CN113052591A - Mobile payment terminal and payment method - Google Patents
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- CN113052591A CN113052591A CN202110244702.4A CN202110244702A CN113052591A CN 113052591 A CN113052591 A CN 113052591A CN 202110244702 A CN202110244702 A CN 202110244702A CN 113052591 A CN113052591 A CN 113052591A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
Abstract
The application provides a mobile payment terminal and a payment method, wherein the terminal comprises: the system comprises a controller, a security component and a card reader component, wherein the controller is used for sending a card reading command or a card swiping command; the card reader component is used for acquiring card swiping information of a target card, feeding the card swiping information back to the controller to be converted into card reading data, or receiving a card reading signal of the target card reader, acquiring the card reading information of the target card reader, and feeding the card swiping data stored in the security component back to the target card reader according to the card reading information; the security component is used for storing card reading data or card swiping data. In the technical scheme, the card reading signal can be sent out through the card reader component to read information of other cards so as to collect money, the card reader component can also be used as a simulation card to receive the card reading signal and read by other card readers so as to pay, two-dimensional codes are not needed in the whole money collection and payment process, leakage of payment information is avoided, and safety of the payment process is improved.
Description
Technical Field
The application relates to the technical field of mobile payment, in particular to a mobile payment terminal and a payment method.
Background
With the rapid popularization of mobile payment, mobile payment products are rapidly developed, for example, smart phones and the like, when a user uses a mobile phone to pay, the user can complete a payment task of collecting or paying only by displaying a payment code or a collection code and then scanning the payment code or the collection code by the other party, and the whole payment process is very convenient.
In the prior art, when a user carries out mobile payment, a payment interface of a collection two-dimensional code or a payment two-dimensional code needs to be displayed for a payer or a payee to scan, two-dimensional code information carried on the payment interface is very easy to leak, and a higher safety risk exists in the payment process.
Disclosure of Invention
The application provides a mobile payment terminal and a payment method, which are used for solving the problem that the existing payment mode is low in safety.
In a first aspect, an embodiment of the present application provides a mobile payment terminal, including: the safety device comprises a controller, a safety component and a card reader component, wherein the controller is connected with the card reader component, and the safety component is connected with the controller;
the controller is used for sending a card reading command or a card swiping command to the card reader component;
the card reader component is used for sending a card swiping signal to a target card when receiving the card reading command, acquiring card swiping information of the target card, and feeding the card swiping information back to the controller to be converted into card reading data, or,
the safety component is used for receiving a card reading signal of a target card reader when receiving the card reading command, acquiring card reading information of the target card reader, and feeding back card reading data stored in the safety component to the target card reader according to the card reading information;
the security component is used for storing card reading data or card swiping data, the card reading data comprises collection information, and the card swiping data comprises payment information.
In another possible design of the first aspect, the card reader assembly includes: the antenna is used for carrying out near field communication with a target card and sending a card swiping signal to the target card, or is used for carrying out near field communication with a target card reader and receiving a card reading signal of the target card reader.
In yet another possible design of the first aspect, the method further includes: a feature recognition component connected with the controller;
the characteristic identification component is used for acquiring user characteristic information and sending the user characteristic information to the controller;
the controller is used for comparing preset verification information with the user characteristic information, and when the user characteristic information is matched with the preset verification information, sending a card reading command or a card swiping command to the card reader component.
In yet another possible design of the first aspect, the method further includes: a communication component connected with the controller;
the communication assembly is used for acquiring the card reading data or the card swiping data stored by the security assembly through the controller and uploading the card reading data or the card swiping data to the terminal equipment.
In yet another possible design of the first aspect, the method further includes: the display assembly is connected with the controller;
the display component is used for acquiring the card swiping data and/or the card reading data stored by the security component through the controller and displaying the card swiping data and/or the card reading data.
In yet another possible design of the first aspect, the method further includes: a data converter, the information conversion component is connected with the controller and the display component,
the information conversion component is used for generating picture information according to the card reading command or the card swiping command and sending the picture information to the display component for displaying, and the picture information comprises a collection two-dimensional code and a payment two-dimensional code.
In yet another possible design of the first aspect, the method further includes: a power component connected to the controller, the security component, and the card reader component;
the power supply assembly is used for supplying power to the controller, the security assembly and the card reader assembly.
In yet another possible design of the first aspect, the power supply further includes a charging component, the charging component is connected to the power supply component, and the charging component is further configured to connect to an external power supply;
the charging assembly is used for converting the input voltage of the external power supply into a charging voltage so as to charge the power supply assembly.
In yet another possible design of the first aspect, the method further includes: the key assembly is connected with the controller;
the key assembly is used for acquiring key information and sending the key information to the controller;
the controller is also used for sending a card reading command or a card swiping command to the card reader component according to the key information.
In a second aspect, an embodiment of the present application provides a payment method, which is applied to the mobile payment terminal, and includes:
acquiring a mode determining instruction, and determining a working mode, wherein the working mode comprises a card swiping mode and a card reading mode;
when the working mode is a card reading mode, performing near field communication with a target card to obtain card swiping information of the target card, and reading a card according to the card swiping information to obtain card reading data;
and when the working mode is a card swiping mode, carrying out near field communication with a target card reader, and sending card swiping data to the target card reader for card swiping.
According to the mobile payment terminal and the payment method, the card reader component is controlled through the controller, so that the card reader component can send out a card swiping signal to read information of other cards to collect money, and can also be used as a simulation card to receive the card reading signal and read by other card readers to pay, two-dimensional codes are not needed in the whole money collection and payment process, leakage of payment information is avoided, and safety of the payment process is improved.
Drawings
Fig. 1 is a schematic view of a first scenario of a mobile payment terminal according to an embodiment of the present application;
fig. 2 is a schematic diagram of a second scenario of the mobile payment terminal according to the embodiment of the present application;
fig. 3 is a schematic structural diagram of a first embodiment of a mobile payment terminal according to the present application;
fig. 4 is a schematic structural diagram of a second embodiment of a mobile payment terminal provided in the embodiment of the present application;
fig. 5 is a schematic structural diagram of a third embodiment of a mobile payment terminal provided in the embodiment of the present application;
fig. 6 is a schematic structural diagram of a fourth embodiment of a mobile payment terminal provided in the embodiment of the present application;
fig. 7 is a schematic structural diagram of a fifth embodiment of a mobile payment terminal provided in the embodiment of the present application;
fig. 8 is a schematic flowchart of a payment method according to an embodiment of the present application.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
With the development of internet technology, mobile terminal payment is more and more popular, a data stream form is adopted in the payment process, a user can complete payment without carrying any cash, a mainstream mode of mobile payment is that a software application with a payment function is installed on a mobile terminal, a bank account is bound on the software application, when payment is needed, a two-dimensional code, such as a collection two-dimensional code or a payment two-dimensional code, is displayed by operating the software application, collection or payment can be carried out after a collection party or a payment party scans the two-dimensional code, and payment is completed, the mode is convenient and quick, but the displayed two-dimensional code is easy to leak, safety risks exist, when the software application generates the two-dimensional code, the network is required to be accessed, the other payment mode is that payment is carried out by adopting a bank card swiping mode, and the user can complete payment by inputting a password on a bank card swiping device by using a card, this method is relatively safe, but only can be used for one-way collection or payment, if there is both collection business and payment business, the user needs to carry the bank card and the card reader at the same time, and the use is not convenient enough.
In view of the above problems, the embodiments of the present application provide a mobile payment terminal and a payment method, and the inventive concepts are as follows: through setting up the mode of two kinds of differences of card reader subassembly, when the user need pay, regard card reader subassembly as the card, carry out the operation of punching the card by other card readers, realize paying, when the user need collect money, read other cards through card reader subassembly, other cards are brushed, realize collecting money, whole payment process need not use the two-dimensional code, the security of payment is higher, and both can pay, can carry out the operation of collecting money again, it is more convenient to use.
The technical solution of the present application will be described in detail below with reference to specific examples. It should be noted that the following specific embodiments may be combined with each other, and the same or similar concepts or processes may not be described in detail in some embodiments.
Fig. 1 is a schematic view of a first scenario of a mobile payment terminal according to an embodiment of the present disclosure, as shown in fig. 1, a mobile payment terminal 11 serves as a collection tool, and can read a credit card 12 to collect money, specifically, a payer holds the credit card close to the mobile payment terminal 11, the mobile payment terminal 11 and the credit card 12 can communicate in a Near Field Communication (NFC) manner, when the mobile payment terminal 11 senses the credit card 12, the payee can input an amount of money to be collected on the mobile payment terminal 11, and after confirmation of the two parties, the mobile payment terminal 11 and the credit card 12 perform data interaction to complete a collection process.
Fig. 2 is a schematic diagram of a second scenario of the mobile payment terminal provided in the embodiment of the present application, as shown in fig. 2, the mobile payment terminal 21 serves as a payment tool, and it is simulated as a credit card itself and is swiped by the card swiper 22 to implement payment, for example, an NFC communication mode may be adopted between the mobile payment terminal 21 and the card swiper 22, when the card swiper 22 senses that the mobile payment terminal 21 is close to, information such as an amount to be paid is transmitted to the mobile payment terminal 21, and after the mobile payment terminal 21 confirms that the amount to be paid has no problem, payment is performed, and a payment process is completed.
For example, the mobile payment terminal 21 may store the information of the bank account of the user, and the amount of payment will be directly swiped from the bank account.
Fig. 3 is a schematic structural diagram of a first embodiment of a mobile payment terminal according to the present application, and as shown in fig. 3, the mobile payment terminal includes a controller 31, a card reader assembly 32, and a security assembly 33, where the controller 31 is connected to the card reader assembly 32, and the security assembly 33 is connected to the controller 31.
The controller 31 is configured to issue a card reading command or a card swiping command to the card reader component 32, specifically, the card reading command may be a command indicating that the card reader component 32 is ready to read a credit card and collect money, and the card swiping command may be a command indicating that the card reader component 32 is ready to simulate a credit card and pay money.
For example, the user may input corresponding information to enable the controller 31 to issue a card reading command or a card swiping command to the card reader assembly 32, for example, the user inputs a "card swiping" voice, and when the controller 32 receives the voice, the card swiping command is issued to the card reader assembly 32, and for example, when the user inputs letters or numbers through keys, the controller 32 receives the letters or numbers, and determines that the user needs to read a card at this time according to the letters or numbers, and then issues a card reading command to the card reader assembly 32.
Alternatively, the controller 31 may be a microcontroller, and the controller 31 may issue a card reading command to the card reader assembly 32 under the condition of default no user input, so that the card reader assembly 32 simulates a credit card and is ready to be swiped by a card reader, and only when the user has a corresponding input, the controller 32 issues a card reading command to the card reader assembly 32, so that the card reader assembly 32 is ready to read the credit card.
Optionally, the controller 31 is further configured to take charge of operation control, logic management, process control, power consumption management, and the like of the whole mobile payment terminal
The card reader component 32 judges whether a card reading command or a card swiping command is received, the card reading command or the card swiping command corresponds to different working modes respectively, when the card reading command is received by the card reader component 32, the card reader component 32 enters the card reading mode, the card reader component 32 is used for sending a card swiping signal to a target card at the moment, obtaining card swiping information of the target card, and feeding the card swiping information back to the controller to be converted into card reading data.
Specifically, the target card may be a credit card or the like, the card swiping signal may be a magnetic field signal and includes amount information of the amount of money to be paid by the target card, the card reader assembly 32 and the target card may transmit the signal and the information through near field communication, when the target card receives the card swiping signal, amount transfer is performed according to the amount information of the amount of money to be paid, the card swiping information is fed back to the card reader assembly 32, the card swiping information at least includes payment confirmation data of the target card, then the card reader assembly 32 feeds back the card swiping information to the controller 31, the controller 31 converts the card swiping information into card reading data, and stores the card reading data in the security assembly 33, the whole card reading mode is completed, and the card reading data at least includes payment information.
When the card reader component 32 receives a card swiping command, the card reader component 32 enters a card swiping mode, and at this time, the card reader component 32 is configured to receive a card reading signal of the target card reader, acquire card reading information of the target card reader, and feed back card swiping data generated by the security component 33 according to the card reading information to the target card reader.
Specifically, the card reader component 32 may simulate a credit card, receive a card reading signal sent by the target card reader, establish a communication connection with the target card reader, obtain card reading information, where the card reading information includes information such as payment amount, and the security component 33 generates corresponding card swiping data according to the payment amount information, where the card swiping data includes payment confirmation information, and then the card reader component 32 feeds back the card swiping data to the target card reader.
Illustratively, the target reader may be another mobile payment terminal.
Illustratively, the card reader assembly 32 includes an analog front end and an antenna, the analog front end is configured to receive a card reading command or a card swiping command, when the analog front end receives the card reading command, a card swiping signal is sent through the antenna, when the analog front end receives the card swiping command, a credit card is simulated, and a card reading signal sent by a target card reader is received through the antenna, and the antenna is configured to achieve wireless transmission of signals and information. Specifically, the analog front end may include a card reading chip and a card swiping chip.
The security component 33 is used to store card reading data or swiping data.
The card reading data comprises collection information, and the card swiping data comprises payment information.
Illustratively, the security component 33 includes a security chip having a data processing function, and when the payment is received and paid, the data processing is performed by the security chip, and the result after the processing is transmitted to the card reader component 32 through the controller 31, and the card reader component 32 performs data interaction with the target card or the target card reader.
Illustratively, the security component 33 may be connected to the controller 31 via a Serial Peripheral Interface (SPI), and the controller 31 may be connected to the card reader component 32 via the SPI.
Illustratively, the controller 31, the card reader assembly 32 and the security assembly 33 may be integrated on a circuit board, the mobile payment terminal further includes an upper housing and a lower housing, the circuit board is disposed between the upper housing and the lower housing, and the whole mobile payment terminal may be shaped like a bank card.
The mobile payment terminal can be used for digital currency payment, wherein the card reading data or the card swiping data at least comprises encrypted digital currency strings, payer identity identifications, payee identity identifications, card reading data or card swiping data, and the like.
The card reader component is controlled through the controller, when a user needs to pay, the card can be simulated by the card reader component, the card can be swiped by other card readers, the payment operation is completed, when the user needs to collect money, other cards can be read by the card reader component, the card swiping operation is completed, the money collection is realized, the two-dimensional code does not need to be used in the whole process, and the safety of the payment process is improved.
Fig. 4 is a schematic structural diagram of a second embodiment of a mobile payment terminal provided in the embodiment of the present application, and as shown in fig. 4, the card reader component 41 may include at least one antenna 411, where the antenna is used to perform near field communication with a target card and send a card swiping signal to the target card, or is used to perform near field communication with the target card reader and receive a card reading signal of the target card reader.
Specifically, taking an antenna as an example, when the card reader assembly 41 is in the card reading mode, the antenna 411 performs near field communication with a target card (for example, a bank card or a credit card) through a magnetic field signal, and when the card reader assembly 41 is in the card swiping mode, the antenna 411 performs near field communication with the target card reader through the magnetic field signal to receive a card reading signal of the target card reader.
The card reader assembly further includes an analog front end 412(CLF, Contact less front), where the analog front end 412 is configured to receive a card reading command (e.g., polling command) or a card swiping command (e.g., analog command) from the controller 42, and when receiving the card reading command, the analog front end 412 sends a magnetic field signal through the antenna 411 to perform data interaction with the target card, and when receiving the card swiping command, the analog front end 412 simulates the card, receives a card reading signal sent by the target card reader through the antenna 411, and performs data interaction with the target card reader.
The card reader assembly 41 is connected to a controller 42, the controller 42 is connected to a security assembly 43, and other mobile payment terminals may be used as target cards or target card readers.
Fig. 5 is a schematic structural diagram of a third embodiment of a mobile payment terminal provided in the embodiment of the present application, and as shown in fig. 5, the mobile payment terminal includes a feature recognition component 51, and the feature recognition component is connected to a controller 52;
the feature identification component 51 is used for collecting user feature information and sending the user feature information to the controller 52;
the controller 52 is configured to compare the predetermined authentication information with the user profile and issue a card reading command or a card swiping command to the card reader component 54 when the user profile matches the predetermined authentication information.
Specifically, the user characteristic information may be a biological characteristic of the user, such as a fingerprint, a voice, pupil information, and the like of the user, and correspondingly, the characteristic identification component 51 may be a fingerprint collector, a voice collector, and a pupil information collector.
For example, the preset authentication information may be input by the user himself in advance, for example, the user inputs his fingerprint as the preset authentication information, and the preset authentication information may be stored in the security component 53.
When collecting or paying money using the mobile payment terminal, the user of the mobile payment terminal may be identified by the controller 52 to prevent other users from collecting or paying money using the mobile payment terminal.
Optionally, the controller 52 may also control the mobile payment terminal to be turned on or turned off according to the user characteristic information, for example, when the user needs to use the mobile payment terminal, the user characteristic information is input first, if the user characteristic information does not match the preset verification information, the controller 52 controls the mobile payment terminal to be turned off, and only after the user characteristic information matching the preset verification information is input, the controller 52 controls the mobile payment terminal to be turned on.
Optionally, when the mobile payment terminal is turned off, the card reader component can be used as a card and can be used for swiping the card, at the moment, the mobile payment terminal can only swipe the card for payment and cannot collect money, and payment information can be recorded after swiping the card.
Fig. 6 is a schematic structural diagram of a fourth embodiment of a mobile payment terminal according to the present application, and as shown in fig. 6, the mobile payment terminal further includes a communication component 61, the communication component 61 is connected to a controller 62, the controller 62 is connected to a card reader component 64, and the communication component 61 is configured to obtain, through the controller 62, card reading data or card swiping data stored in a security component 63, and upload the card reading data or the card swiping data to a terminal device.
Specifically, the communication component 61 may be bluetooth, the mobile payment terminal may perform a plurality of off-line payments, the payment data, such as payment information and collection information, may be stored in the security component 63, when the number of off-line payments reaches a certain number, the payment cannot be continued, the communication component 61 needs to be connected to the terminal device, and the transaction data stored in the security component 63 is uploaded to enable the off-line payment to be continued.
Illustratively, the terminal device may be a handset.
In some embodiments, the mobile payment terminal further comprises a display component, the display component is connected with the controller, and the display component is used for acquiring the card swiping data and/or the card reading data stored by the security component through the controller and displaying the card swiping data and/or the card reading data.
Specifically, the display component may be an LED display screen or a liquid crystal display screen, and when the user needs to view the card reading data and/or the card reading data, the display component may display the data to the user for viewing.
Further, in some embodiments, the mobile payment terminal further includes a data converter, the data converter is connected to the controller and the display component, the data converter is configured to generate picture information according to the card reading command or the card swiping command, and the picture information is sent to the display component to be displayed, and the picture information includes the collection two-dimensional code and the payment two-dimensional code.
Specifically, the card reading command is used for collecting money, the card swiping command is used for paying, the data converter generates a collection two-dimensional code according to the card reading command, a payer can pay for a user by scanning the collection two-dimensional code to collect money, the data converter can also generate a payment two-dimensional code according to the card swiping command, and the collection is sent by scanning the payment two-dimensional code to collect money.
In some embodiments, the mobile payment terminal further comprises a power supply component connecting the controller, the security component and the card reader component, the power supply component for powering the controller, the security component and the card reader component.
Illustratively, the power supply assembly comprises an energy storage power supply and a transformer, and the transformer converts an output voltage of the energy storage power supply into an operating voltage suitable for the controller, the safety assembly and the card reader assembly and provides a stable operating voltage for the controller, the safety assembly and the card reader assembly.
The embodiment supplies power through the energy storage power supply assembly, can make things convenient for mobile payment terminal to hand-carry, improves mobile payment terminal's portability.
Further, in some embodiments, the mobile payment terminal further includes a charging component, the charging component is connected to the power supply component, the charging component is further configured to connect to an external power supply, and the charging component is configured to convert an input voltage of the external power supply into a charging voltage, so as to charge the power supply component.
Specifically, the charging assembly comprises a transformer and a filter circuit, the input voltage of the external power supply is reduced through the transformer, the current after reduction is filtered through the filter circuit, the input voltage of the external power supply is finally converted into the charging voltage, the external power supply after conversion charges the power supply assembly, the charging management of the power supply assembly is effectively carried out, and the service life of the power supply assembly is prolonged.
In some embodiments, the mobile payment terminal further comprises: the key assembly is connected with the controller; the key assembly is used for acquiring key information and sending the key information to the controller; the controller is also used for sending a card reading command or a card swiping command to the card reader component according to the key information.
Specifically, a user can input key information through the key assembly, and the key information is used for controlling the controller to send a card reading command or a card swiping command.
For example, the key assembly may be a keyboard array, including number keys, decimal keys, and other functional keys, and the user may input payment amount or collection amount information through the key assembly.
In some embodiments, the mobile payment terminal further comprises a word stock module, the word stock module may be integrated in the controller or in the security component, and the word stock module may store and display a chinese character word stock, an interface display picture, and the like.
In some embodiments, the mobile payment terminal further includes a real-time clock chip, and the real-time clock chip can be used for timing and is responsible for checking and maintaining time in the communication process.
In some embodiments, the mobile payment terminal further includes a buzzer, the buzzer is connected with the controller, and can perform sound prompt when a user presses a key, and meanwhile, the buzzer can also play voice information, and the voice information includes a collection amount, a payment amount and the like.
Fig. 7 is a schematic structural diagram of a fifth embodiment of a mobile payment terminal according to the present application, and as shown in fig. 7, the mobile payment terminal includes a controller 71, a card reader component 72, a security component 73, a display component 74, a word stock module 75, a key component 76, a communication component 77, a power management component 78, and a feature recognition component 79, where the card reader component 72, the security component 73, the display component 74, the word stock module 75, the key component 76, the communication component 77, the power management component 78, and the feature recognition component 79 are all connected to the controller 71.
The controller 71 is a system core of the whole mobile payment terminal, and is responsible for operation control, logic management, process control, and power consumption management of the whole terminal, for example, the operation mode of the card reader assembly 72 may be controlled, and the operation mode of the card reader assembly 72 includes a card swiping mode and a card reading mode.
The feature recognition component 79 can perform boot user authentication, payment authentication and the like, the feature recognition component 79 has a biological information extraction function, a biological characteristic quantity increasing and decreasing function and a biological characteristic deleting function, and the feature recognition component 79 needs to acquire biological characteristics of a user in advance as preset authentication information and store the biological characteristics in the security component 73.
The display component 74 is used for displaying the card swiping data and/or the card reading data, such as the amount of money to be collected, the amount of payment, and the like, and displaying the two-dimensional code, such as the two-dimensional code of money to be collected or the two-dimensional code of payment, and the like.
The security component 73 is where all applications are executed and stored, and is the core of the various application implementations. The security component 73 can validate and manage payment data, generate payment or payment two-dimensional codes, and the like.
The communication component 77 is used for communicating with a terminal device, for example, an online device such as a mobile phone and a POS device, and transmitting offline payment information to the mobile phone and then to a server, the communication mode of the communication component 77 may be bluetooth or NFC, and the offline payment information is collection information or payment information generated after the mobile payment terminal is offline.
The power management component 78 is mainly used for managing power of the entire mobile payment terminal, such as charging management, power supply management, and the like, and the power management component 78 may include a charging component and a power supply component.
The word stock module 75 stores the Chinese character word stock and information such as interface display pictures for calling other components or modules.
The key assembly 76 may provide input keys for a user, such as the user entering a transaction amount, etc.
The above embodiments describe the mobile payment terminal provided in the embodiments of the present application in detail, and the following explains the payment method of the mobile payment terminal, and for the parts that are not mentioned in the embodiments of the method, reference may be made to the descriptions of the above embodiments.
Fig. 8 is a schematic flowchart of a payment method provided in an embodiment of the present application, where the method may be applied to the mobile payment terminal, and the method includes the following steps:
s801, acquiring a mode determining instruction and determining a working mode;
s802, when the working mode is a card reading mode, near field communication is carried out with a target card to obtain card reading information of the target card, and card reading is carried out according to the card reading information to obtain card reading data;
and S803, when the working mode is a card swiping mode, performing near field communication with the target card reader, and sending card swiping data to the target card reader for card swiping.
In the embodiment of the application, the mode determining instruction comprises a card reading command and a card swiping command, when the command is the card reading command, the working mode is the card reading mode, and when the command is the card swiping command, the working mode is the card swiping mode.
In the card reading mode, the card swiping information of the target card comprises the payment amount information of other users, the card reading data comprises the collection amount information of the users, card reading is carried out according to the payment amount information, the collection operation of the users is completed, in the card swiping mode, the card swiping data comprises the amount information of money to be paid by the users, the payment amount information is sent to the target card reader, the other users can swipe cards, and the payment operation is achieved.
Illustratively, taking the payee and payer as examples, the payment process is as follows:
the mobile payment terminal controller of the payee initiates a polling command to the card reader assembly, and the card reader assembly sends a card reading magnetic field signal to the mobile terminal of the payer.
The mobile terminal controller of the payer sends a simulation command to the card reader component, so that the card reader component simulates a card and realizes data interaction with the card reader component of the payee.
And the controller of the mobile payment terminal of the payee receives the amount of money input by the payee on the keyboard, sends the amount of money to the security component of the mobile payment terminal which is wild for processing, and generates a corresponding money receiving command.
The card reader component of the mobile payment terminal of the payer analyzes a payment receiving command sent by the card reader component of the mobile payment terminal of the payee to send to the controller of the mobile payment terminal of the payer, and then the payment receiving command is forwarded to the security component of the mobile payment terminal of the payer for processing, and the processed payment receiving command is returned to the card reader component of the mobile payment terminal of the payee so as to complete the processes of payment receiving and payment.
In the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone, wherein A and B can be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship; in the formula, the character "/" indicates that the preceding and following related objects are in a relationship of "division". "at least one of the following" or similar expressions refer to any combination of these items, including any combination of the singular or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, a-b, a-c, b-c, or a-b-c, wherein a, b, c may be single or multiple.
It is to be understood that the various numerical references referred to in the embodiments of the present application are merely for convenience of description and distinction and are not intended to limit the scope of the embodiments of the present application. In the embodiment of the present application, the sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiment of the present application.
Finally, it should be noted that: the above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present application.
Claims (10)
1. A mobile payment terminal, comprising: the safety device comprises a controller, a safety component and a card reader component, wherein the controller is connected with the card reader component, and the safety component is connected with the controller;
the controller is used for sending a card reading command or a card swiping command to the card reader component;
the card reader component is used for sending a card swiping signal to a target card when receiving the card reading command, acquiring card swiping information of the target card, and feeding the card swiping information back to the controller to be converted into card reading data, or,
the safety component is used for receiving a card reading signal of a target card reader when receiving the card reading command, acquiring card reading information of the target card reader, and feeding back card reading data generated by the safety component according to the card reading information to the target card reader;
the security component is also used for storing card reading data or card swiping data, the card reading data comprises collection information, and the card swiping data comprises payment information.
2. The terminal of claim 1, wherein the card reader component comprises: the antenna is used for carrying out near field communication with a target card and sending a card swiping signal to the target card, or is used for carrying out near field communication with a target card reader and receiving a card reading signal of the target card reader.
3. The terminal of claim 1, further comprising: a feature recognition component connected with the controller;
the characteristic identification component is used for acquiring user characteristic information and sending the user characteristic information to the controller;
the controller is used for comparing preset verification information with the user characteristic information, and when the user characteristic information is matched with the preset verification information, sending a card reading command or a card swiping command to the card reader component.
4. The terminal of claim 1, further comprising: a communication component connected with the controller;
the communication assembly is used for acquiring the card reading data or the card swiping data stored by the security assembly through the controller and uploading the card reading data or the card swiping data to the terminal equipment.
5. The terminal of claim 1, further comprising: the display assembly is connected with the controller;
the display component is used for acquiring the card swiping data and/or the card reading data stored by the security component through the controller and displaying the card swiping data and/or the card reading data.
6. The terminal of claim 5, wherein the security component comprises: a data converter, the information conversion component is connected with the controller and the display component,
the information conversion component is used for generating picture information according to the card reading command or the card swiping command and sending the picture information to the display component for displaying, and the picture information comprises a collection two-dimensional code or a payment two-dimensional code.
7. The terminal according to any of claims 1-6, further comprising: a power component connected to the controller, the security component, and the card reader component;
the power supply assembly is used for supplying power to the controller, the security assembly and the card reader assembly.
8. The terminal of claim 7, further comprising a charging component, the charging component being connected to the power supply component, the charging component being further configured to connect to an external power supply;
the charging assembly is used for converting the input voltage of the external power supply into a charging voltage so as to charge the power supply assembly.
9. The terminal according to any of claims 1-6, further comprising: the key assembly is connected with the controller;
the key assembly is used for acquiring key information and sending the key information to the controller;
the controller is also used for sending a card reading command or a card swiping command to the card reader component according to the key information.
10. A payment method is applied to a mobile payment terminal and comprises the following steps:
acquiring a mode determining instruction, and determining a working mode, wherein the working mode comprises a card swiping mode and a card reading mode;
when the working mode is a card reading mode, performing near field communication with a target card to obtain card swiping information of the target card, and reading a card according to the card swiping information to obtain card reading data;
and when the working mode is a card swiping mode, carrying out near field communication with a target card reader, and sending card swiping data to the target card reader for card swiping.
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| CN202110244702.4A CN113052591A (en) | 2021-03-05 | 2021-03-05 | Mobile payment terminal and payment method |
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| CN202110244702.4A CN113052591A (en) | 2021-03-05 | 2021-03-05 | Mobile payment terminal and payment method |
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