CN1783141A - Multifunction electronic device with resident software to capture financial and nonfinancial transactions - Google Patents

Abstract

Electronic multifunctional device belonging to the field of systems and equipment for electronic transactions, which consists of devices for the interface with the user, including a display (3) and a keyboard (4), a slot type reader device, a DTMF communication device connected through a telephone line (80), with a preprocessing data distribution station (40) to an associate system (60) formed by banks, stores, cable TV systems and other affiliates to the system; said reading device is formed by a magnetic reader (5) and additionally by a barcode reader (6) to read credit, debit and other cards with magnetic tracks belonging to banks and similar institutions and others printed with barcodes such as bills from public concessionaires, bank slips, tax collection documents, catalogs, among others, to pay bills, taxes, make purchases and other financial transactions from the home of the user; or to carryout non-financial transactions such as voting, answer prize contests and others.

Description

Utilize the multifunction electronic device of resident software capture financial and non financial transaction

The present invention relates to a kind of multi-function electronic device, described equipment is taken on individual and entity at one end, with at the data processing of the other end and the interface between the Distribution Center, described multi-function electronic device allows capture financial and non financial transaction, and comprises the interactive type communication between its user in some communication networks of radio and TV network.

This multifunctional equipment is electric autonomy, and it obtains power supply from the telephone network that is connected.This multifunctional equipment is furnished with user interface facilities, described user interface facilities comprises: keyboard, display and optics and magnetic reader, this reader can read some kinds of magnetic cards and all thickness, and (scope is 0.2～0.8mm) bar code, and the printed matter with bar code, for example public utilities carrier and bank money.Therefore, individual and company can carry out the electronic transaction that some types were paid and carried out to accounts from their family or shop.

Multifunctional equipment advances operation as the ingredient of network (network of relation), and this network then is the ingredient of system, as shown in Figure 1.Usually, multifunctional equipment is connected to ARU platform hub by dial-up connection, sets up interactive type communication with it.Such hub communicates by IP agreement and one or more data center.In such data center, the electronic transaction data are handled and/or are distributed to the member company of this system of participation, for example: credit card issue person, bank, financial institution, brand name (brand name), grabber (acquirer), government entity, medium, advertisement and sales company, loyal company (CRM:fidelitycompany), and other.This multifunctional equipment is stored the nearly number of 10 hub central offices in its storer.Can select the number when card passes through multifunctional equipment, dialed automatically according to the type of card or associated brand name.

Multifunctional equipment and relative network are divided into four service environments with its primary structure: telecommunications; Medium and leisure; Financial circles; And ecommerce and TV commercial affairs.

Multifunctional equipment can be commercial as furthering some e-commerce field, be B2B (business to business), B2C (business to customer), C2C (customer to customer), and the instrument of the enterprise among the M2M (the extensive commercial affairs in separation or unseparated client, cooperation and the cooperative cluster geographically).

Multifunctional equipment is a kind of effect-reaction encouragement equipment, and individual can use he option and can with they real-time, interactives.The network that it was connected to uses the infrastructure-telephone wire of telecommunications company and data center-as its main delivery vehicle basically.

Consider that will use the field of multifunctional equipment in these fields is financial environment, catch wherein that the safety requirements of credit card, debit card and pre-paid card transaction is strict, expected that multifunctional equipment should be very safe.It is equipped with embedded 192 switch 3DES data encryption features, and this makes at the transmission of the sensitive data (for example password and credit/debit card number) of data center inviolability almost.

Current, great amount of terminals, POS (point of sale device) and electronic funds transfer system-EFT-are arranged, and they catch and handle finance and non financial transaction, but, because their expensive and one-sidedness (unilaterality), they can not serve family market, can not serve little trader.Such equipment builds in the medium-sized and large scale business facility usually.Usually, small-sized and miniature trader does not have condition to bear the heavy lease cost of such terminal and equipment.

The trader who receives credit card uses those small-sized hand-operated machines of being familiar with (" reco-reco "), and it is not reliable fully, need carry out voice telephone calls to obtain the authorization from Ka Yunyingshangchu.Small-sized machine is not so accepted debit card.Multifunctional equipment will make that miniature and small company (account for 96% of all companies of Brazil, amount to 5.4 hundred ten thousand mechanism) can receive credit card, debit card and the payment of pre-paid card, thereby improve their competitive power, security and customer service.

Consider in small-sized transaction and to use debit card to come to have powerful market trend aspect the substitute money use, can catch be in and bantam shop to use this existence that sticks into the equipment of capable transaction be extremely important.

Up to now, do not visualize and take on family inlet and the easy operation of interactive communication apparatus and cheap equipment.On very little scale, so-called set-top box is in the initial stage installation phase.These boxes that are placed on the televisor provide limited interactivity to televisor.Usually, such equipment belongs to the pay TV operator, and has very limited performance rate, is ordering film (pay-per-view) and is being to be useful when the customer group of such operator's registration is broadcasted.Usually, pay by bank money, described bill monthly arrives at the client, is attended by the paying to paid television services.Some such set-top box/equipment also allow to use TV in interactive game.In this case, the Internet is often used as means of communication.In this case, we are not in the face of interactive television, but in the face of using televisor to replace the Internet of monitor.

This head and shoulders above box of multifunctional equipment provides real-time domestic equipment to connect with mutual to the individual, and radio and television interactive show, and other function:

Pay his bill by bank money, and do not need to import bar code (this bar code is read by shaven head);

Buy products ﹠ services by some media channels;

Overall safety ground uses his credit card, debit card or pre-paid card to cross any ordering that phone is made with PayPal.

In Brazil, the numeral of the company aspect message reference comprises partly to be finished by enterprise network, causes the boundary expansion process that continues.Compare the school with company, individual's numeral comprises and is in the primitive stage.It is one of target of multifunctional equipment implementation strategy that this numeral comprises.

Though many Brazilian families have been equipped with communication and message access tool, still have the significance difference distance.90 (90%) percent family has TV, and 62% has phone, and 14% has PC, and 10% energy access the Internet is only arranged.

Up to the present, in fact the household electronic transaction that relates to products ﹠ services is confined to those by the Internet or the transaction undertaken by the voice call shopping.

The Internet-global computer network-in worldwide, expand day by day.But, only have the world population of relative fraction can visit this global network.Owing to lack culture and to the fear of numeral infringement, even people still less uses such network to carry out electronic transaction, and described electronic transaction for example is payment bill, electronic business transaction, electronic voting and other interactive affairs.Except that safety problem, particularly undertaken by Dialing Method under the situation that the Internet connects, taking the too many time and be used for individual login, access bank or shop website, entering password, import a large amount of account bar codes and close the trade, this is thought unacceptable by many people.

Here it is majority refusal enters the real-time electronic transaction world, give up enjoy ecommerce and the potential facility that provides of online transaction, quick, save time and the reason of chance.

Have low purchasing power than the population below the poverty line need bank's streamline and shop cost quality time paying their bill, rather than enjoy progress, saving and facility that electronic transaction provides.

(poor) C, 40 (40%) percent of D and E Social Grading accounts for 70% of Brazilian population, do not have bank account; A federal target is exactly " bankization " this crowd.These accounts' financial transaction will be undertaken by using debit card rather than check.Multifunctional equipment is for expanding the point that can carry out electronic transaction, and the quantity that comprises family is extremely important.

Those do not have or the optional mode of home shopping that do not rely on the people of the Internet is the voice call shopping.This shopping that generally is subjected to television advertising, printing catalogue and periodical encouragement is very unsafe.Usually, it is captive danger because of wiretaping only that the shopper is emitting their number, and their credit number is provided, even their voice security number.Owing to capture easily and the radio signal of the user's voice of using them of decoding, therefore when such data are transmitted by mobile phone, the risk of capturing even can increase.

Multifunctional equipment is with barcode reader (it carries out payable billing data input automatically and makes it not allow to be subject to the influence of error), magnetic card reading, and be integrated in the independent equipment at the function of the automatic dialing of data pre-service and office of Distribution Center.In addition, this equipment makes the payment bill, carries out the very fast and safety of process of electronic business transaction and other financial transaction.

Except the pure digi-tal that allows transaction (by the dialog interaction on the display) was carried out, the shopping that multifunctional equipment allows to be undertaken by voice call traditionally equally can so be finished.For example, the user can be by selecting and list the product of expectation, and carry out alternately with the sales force in the shop that is equipped with family's delivery system.Only when order is closed, use this multifunctional equipment.To his order sign indicating number of user notification, and the user imports described code by using multifunctional equipment, brushed his credit card, debit card or pre-paid card then and come this order is paid in equipment by voice in the shop.When receive from the notice of card management organization or bank use the user stick into the affirmation that capable transaction obtained the authorization the time, the payment of commodity will be ratified in the shop.

Multifunctional equipment is equipped with some commercial podiums, is just developing some base application for this reason, and is as follows:

I. Electronic Finance transaction: catch the transaction of using credit card, debit card and private badge card, and the bill payment that is undertaken by bank money.

II. medium and leisure: catch by multiple medium channel, mutual or nonreciprocal recreation, ballot and order the purchase-transaction that registration is carried out.

The function of developing in these two kinds of commercial podiums is as follows:

1. family finance service: the bill payment and other the finance/bank function that are undertaken by bank money.

2. commercial affairs and industry financial service: the bill payment that is undertaken by bank money; The reception of credit/debit card; Other finance/bank function.

3. home shopping: ecommerce, TV commercial affairs; Public service (E-Government); Catalogue and the shopping of other medium.

4. the non-financial service of family: cell phone is supplemented with money, tourist service (journey parcel, ticket etc.), pay-per-view TV, lottery ticket.

5. interactive television: interactive program; Product and annex test; Order registration and electronic voting; TV lottery and interactive mode/non-interactive type recreation.

Medium and leisure industry often cause strong " for concern is fought ", and it will influence the power and the direction of this industry.Along with the growth that constantly increases progressively, and cause high classification in the industry, even content will be more changeable.Though spend every day equal number hour, people will have more right to choose and more login method.Therefore, keep the audience to pay close attention to mean how discovery influences, fascinate, unite, attract individual and get in touch with individual Bao Te.

Make effect and reaction, make that promptly the feasible available content of interactivity will be the essential elements in the war of such audience and concern.

Because occur at home and owing to be interactive device, under this news, multifunctional equipment will have significant effect.Use multifunctional equipment, only just can become some functions of possible (described Digital Television needs many Nian Caihui to become a reality from now on) by the Digital Television popularization can use jointly with traditional tv.

Because the interactivity that multifunctional equipment provides, pay TV market can be developed towards eliminating the direction of paying in fixing month, and continues to collect the expense of real consumption.Can select and watch some programs and film at any time, and will when selecting program, pay by multifunctional equipment itself.Each program will have the code of importing in multifunctional equipment, and by swiping the card with user's credit, debit or pre-paid card and handling transaction and send.

The multifunctional equipment commercial plan focuses on two additional platforms equally, is preparing some application for this reason:

III. medical science-hospital-drug world: catch and handle transaction and be used for the health insurance member with the consulting and the medical science formality of authorized doctor mechanism, clinic, laboratory and hospital; Mandate is the health insurance member sale medicine that gives a discount in the pharmacy.

IV. logic control field: follow the tracks of goods delivery means and Heat ﹠ Control Pty Ltd.'s merchant ship, detect any deviation about pre-established route.

Aspect public management mechanism, loyalty and crm system, video education (can use multifunctional equipment to select the answer of each problem) and public's election process (via the electronic voting of multifunctional equipment) by test and assessment that the multiselect system carries out, just considering the application of other interactive configuration, and will produce these application by the same principle of using the multifunctional equipment in the network.

The first version of multifunctional equipment is connected to the landline phone network with needs.The redaction of expecting in its development plan comprises the model of using the integrating mobile communication service.By this function, multifunctional equipment user, especially businessman and professional, can login system data center (covering Anywhere) from mobile telephone system so that carry out a large amount of electronic transactions.

Another circuit of expection development is that multifunctional equipment is integrated into pay phone and interactive common information booth, so that the people of the machine of not having a telephone installed at home can do shopping and be mutual with the different system that is integrated into the multifunctional equipment network.

Accompanying drawing shows the theme of multifunctional equipment, wherein:

Fig. 1 shows the legend that can see multifunctional equipment and network of relation and system;

" A " of Fig. 2 shows the front elevation of multifunctional equipment, and " B " shows the equipment that is just using;

Fig. 3 shows the block diagram of multifunctional equipment, wherein shows the main modular of this equipment;

Fig. 4 shows the legend of some key elements of the establishment of the multifunctional equipment that uses card authentication (main card) and proof procedure;

The safety-key that Fig. 5 shows on the devices keypad is arranged;

Fig. 6 shows the legend of the electronic circuit of safety-key; And

Fig. 7 shows the safety equipment in this apparatus casing, plans to load the totality space, so that prevent the intrusion of deception device.

According to Fig. 1, multifunctional equipment (1) is preferably mounted in family (20), perhaps, alternatively, be installed in (21) such as small-sized business mechanism or offices, and it is the ingredient of network (40) (network of relation), this network then is the ingredient of system (60).Usually, multifunctional equipment connects by telephone wire (80) and is dial-up connection to ARU platform hub (41), and it is the part of network of relation (40), sets up interactive type communication with it.This hub (41) communicates via the IP agreement with one or more data center (42), and described data center also is the part of network of relation (40).In these data centers (42), handle the electronic transaction data, and/or it is distributed to member's entity of this system of participation (60), for example: medium, ballot, advertisement and sales company (61); Government corporation (62); Bank (63); Grabber (64); Brand name (65); Card issuer (66).Multifunctional equipment (1), the integrated common communication system that has realized of network of relation (40) and system (60).

According to Fig. 2 and 3, multifunctional equipment (1) comprises substantially: based on the CPU (2) of central special software; User interface facilities and data inlet comprise: display (3); Keypad (4); The DTMF module (4) that comprises generator and amplifier; Magnetic reader (5); And optical pickup (6), two kinds of nearest slot-types; This equipment also comprises the safety equipment (7) with safety-key; With the interface (8) of telephone wire (80), it comprises this type of supply of electrical energy that electric power is provided for equipment by telephone wire; Serial line interface and output circuit, all these assemblies are all taken in or are incorporated in the small outline package (9), can be held in the one hand.

According to top structure, suitable software provides the multifunctional equipment with following distinguishing feature with combining of hardware characteristics:

Use at preferred dwelling house; For this purpose, it only is connected to one and is used to communicate by letter and the telephone wire of electric power supply, and is equipped with even also is user-friendly interface for the non-user of being familiar with.

Read in magnetic orbit and bar code;

With the magnetic card compatibility of some types, magnetic card thickness is 0.20 to 0.80mm;

With paper document printing compatibility;

Use compression DTMF agreement;

Secure guiding system: multifunctional equipment is by guide card (main card) guiding, this jig has a magnetic orbit and another optical rail, it has the code section that complementation is finished, described code section relate to buy the multifunctional equipment unit at multifunctional equipment unit sequence number and user code (telephone wire number);

3DES international safety standard: reach 192 10 memory capacity from master key;

Can not glass bad: this multifunctional equipment has the embedding safety equipment, after its shell is damaged, and the transaction data and the resident program of deletion storage;

Carry out software upgrading and parameter downloads by this network of relation;

Storage and utilization be 10 electronic keys nearly;

Related between the sequence number of this equipment, main card code, user's telephone wire number and any registrable card;

Write the text message matrix stores in advance in its local memory unit, when activating by telephone network (80), just in display (3), show by appropriate codes from processing central office (40);

New text message can be downloaded to be presented on the display (3) by telephone line (80), is used to replace or expands before write on advance on this equipment in factory.

Therefore, when mounted, guides user was brushed multifunctional equipment with main card.Systems inspection is kept at the sequence number in the nonvolatile memory of equipment, and the consistance between the serial data that is produced according to the password that reads from a main card magnetic track and from the bar code that this card reads by the special routines that is present in the multifunctional equipment resident software.

Have only when this routine shows data consistent, it is effective that multifunctional equipment just is considered to.Then, import credit and debit card so that when being accepted the financial transaction that is used for this multifunctional equipment, stages two beginning of this initialize process as the user.This multifunctional equipment is only stored the partial data of these cards with summarize by.

When financial transaction was carried out in the payment that utilizes card, card one of accreditation card whether of its notch was brushed in the inspection of multifunctional equipment software, and it only accepts those cards of registered in advance.New card can be with post-registration, but can only be by means of main card.

The safety practice of another use is the association of the sequence number of this multifunctional equipment with its subscriber directory number.Be connected to this multifunctional equipment if someone attempts the telephone wire of the registration phone line by being different from, then to go out such number incorrect for the Network Recognition that is attached thereto of multifunctional equipment, and interrupt this operation.

When initialization procedure was finished, the user can normally use the finance and the non financial transaction of this multifunctional equipment carry out desired.

By observation display 3 and operation keyboard 4 and magnetic reader 5 and optical pickup 6, user and network 40 and relevant system 60 carry out alternately, so that carry out relevant electronic transaction.

Interaction message example series when you can find down that the broomrape user selects his option, described sequence produces by multifunctional equipment (family type):

Screen 0 input option or input * (turning to screen 1)

Screen 1 1-buys product

2-pays bill

Screen 2 3-check remaining sum

4-is mutual

Screen 4.1 1-investigation

The 2-ballot

Screen 3 5-recreation

The 6-pay-per-view

Screen 5.1 1-recreation 1

2-recreation 2

Screen 6.1 1-channels 1

2-channel 2

Screen 4 7-pre-payments

8-comprises card

Screen 7.1 1-VIVO

2-BCP

Screen 5 9-other

Explain: waiting when to be transacted, display screen is handled ... (SCREEN PROCESSING...)

Make mistakes at trading time period-display screen operation cancellation (SCREEN OPERATIONCANCLED)

Explain: on this multifunctional equipment keyboard:

-#=OK (being) and ↑ and *=N (denying) and ↓

If it is several 1 selecting, keyboard sequence is as follows so:

1-buys product to supplier

Screen 1.1 product code XXX-NNN (after keying in product code, showing)

Otherwise product code invalid (retreating 3 times) to key in product code

Screen 1.2 quantity NNN

Otherwise product finishes (empty screen and close transaction)

Screen 1.3 (name of product) (amount of money)

Screen 1.4 turns to payment routine 10

If the selection of master menu is several 2, screen sequence is as follows so:

2-utilizes optical pickup payment bill

Screen 2.1 passed optical pickup with bill

Otherwise transmit bill (accept at most 3 times, ask you to key in then) again

Otherwise key entry bar code

Otherwise read make mistakes (returning screen 0)

Screen 2.2 amount of money R$XX, XXX.00

Screen DD/MM/YY 2.3 date of payment

Screen 2.4 (bill title) (amount of money)

Otherwise the date expired (getting back to screen 0)

Screen 2.5 turns to the routine 10 of debit payment

As mentioned above, multifunctional equipment is equipped with one group of security feature, and it is the characteristic that never occurred in the former market generally.

Therefore, multifunctional equipment has the equipment that guarantees data integrity with confidentiality, constitute by described 3DES data encryption characteristic (these data are passed through the international data encryption Standard Encryption 3 times), have with 192 keys, make sensitive data (for example number of password and credit/debit) to the transmission of data center inviolability in fact.

This ciphering process is related to 10 cipher key location being used by different card vendors and supvr, so that guarantee the integrality and the confidentiality of their data.

Protected to prevent to duplicate or change the attempt of its resident software for assurance equipment total energy, multifunctional equipment has 5 safety-key of the sensitive data in attempt that detects any opening device and the RAM (random access memory) that deletion is kept at it.When safety-key was opened, multifunctional equipment was not only deleted the storage data relevant with ongoing transaction, and deletion operation of equipment software, makes its shut-down operation.

When this took place, the mode of only this product operation of reconstruction was to reload resident software (program), and only can be undertaken by the process that is equipped with safety practice equally by the personnel that trusted.

Among safety-key 7, four are positioned on the keyboard body (Fig. 5), and one of in them under keyboard.Key circuit has been shown among Fig. 6.As people's finding, this key is arranged as string, and when opening one of in them, interrupts the power supply of RAM storer, causes storing the deletion fully of data.As everyone knows, when powering by suitable power supply, the RAM storer is preserved information.As shown in the figure, such power supply is three (3) voltaic elements.When interruptive current cycles through by opening any key circuit, the total data that is stored in RAM is lost certainly.When multifunctional equipment assembles in factory, because closed five safety-key of the pressure of outer case on the keyboard.When multifunctional equipment fully or was partly opened, any key of opening all produced interruption at this circuit, and produced the interruption of RAM memory power.

Key area in multifunctional equipment inside promptly, can find that the zone with storer of storing data and running program (software) utilizes the epoxy resin layer protection.Consider its hardness, such material hinders visits the parts that are assemblied in this zone.The unique mode that can visit this electronic unit is by utilizing special drill bit to cut epoxy resin, and this is difficult to carry out, even the risk of these parts of infringement is very high during such processing.Epoxy resin prevents that equally this position component on printed circuit board (PCB) is identified, and this has produced additional difficulty.

Except that epoxy resin, in order not stay any white space in its inside, this multifunctional equipment also is used in the groove 10 in this device housings 9.Even the invador manages not open safety-key (physically can not) and opens this multifunctional equipment, he can not have living space yet and insert attached module to reach the purpose of collection of sensitive data in its inside.Fig. 7 shows the legend of this multifunctional equipment inner structure, can see that wherein groove (groove) occupies the whole not by the inner space of its circuit and module use of this multifunctional equipment.

This multifunctional equipment have two reader-optics with magnetic-the fact be used to improve security in case swindle.When multifunctional equipment granting (in factory), announced the generation of so-called main card, it is a kind of two card (magnetic with optics), a side has magnetic stripe and is printed on bar code at opposite side.The code that is recorded on magnetic stripe and the bar code all is kept in the system, and all relevant with the sequence number of the multifunctional equipment of being provided.This sequence number is recorded in the internal storage of multifunctional equipment equally.

When this multifunctional equipment was intended for use certain user, his telephone wire number was associated in system with the sequence number of multifunctional equipment.When this equipment was installed, the user need brush main card in the past beginning to operate this multifunctional equipment.Because this multifunctional equipment has optical pickup and magnetic reader, so it can read the information that is stored on the card magnetic stripe, and is printed on the information in the bar code on the main card body.Thereby it forms product identification code.Simultaneously, multifunctional equipment is from its internal storage fetch equipment sequence number.Provide this identification code and sequence number to remote data center.In this data center, the identification code that systems inspection obtains from main card, whether Equipment Serial Number and user's telephone number be all compatible.When having only the compatibility when authentication data, system just returns to order of multifunctional equipment, and this order makes its operation start.This characteristic prevents that equally multifunctional equipment is used to be different from the environment of its initial installation environment (theft protection or this equipment of unauthorized use).

This multifunctional equipment has further characteristic, and this characteristic makes its more not susceptible to, and, be safe therefore for the fault that in power network, causes by lightning or variation suddenly.Because it disobeys outer power supply, and this therefrom obtains power supply as its circuit the utilization telephone network, therefore the power network fluctuation immunity of this multifunctional equipment to causing because of lightning and supply voltage vibration, described supply voltage vibration is what to be caused by charge variation unexpected in this network.Because the household electrical source socket do not have grounding pin usually, therefore plan equipment for the family market use, especially those equipment that are connected to telephone network equally are subject to even the influence of worse climatic condition.Do not have stable ground connection benchmark, especially during storm or the overload of this power network, the impaired chance of this equipment is very high.The fact that power network does not have with the identical ground connection of telephone network makes problem more serious.

Because multifunctional equipment is powered by telephone network, so it becomes the part of the more reliable of equipment and insurance.

Present business terminal (Hypercom, Verifone etc.) has some in these security features (3DES password, safety-key).Yet they do not have groove (groove) feature, and they are managing to implement these features with expensive.Multifunctional equipment has whole described security features highlightedly, and cost and its at main market: family market adapts.

Therefore, because multifunctional equipment is primarily aimed at family market, wherein up to the present do not have terminal can enter this market, multifunctional equipment has developed into the address of affording fully.Its design adopts a batch total to make it be unique to the policy in market.

Can be only reliable and meet technical standard for technical permission by the signal-powered product of telephone network, attempted making multifunctional equipment to have circuit extremely simple, compact and that simplify.It must be small enough to and be installed in the bantam shop, and wherein the free space near check stand is very little.Equally, extremely limited in the space of this multifunctional equipment of the mass market of family-multifunctional equipment-hold.

In order to reach the target of formulation, the standard of selecting to be used to transmit data is DTMF, does not use modulator-demodular unit.On the other hand, utilize the DTMF standard to make that multifunctional equipment is feasible with the communicating by letter of remote server that is equipped with ARU (sense of hearing response unit).This unit is generally used for mutual by sound and conventional telephone set.In this multifunctional equipment, same ARU (relatively inexpensive equipment) is programmed with the display by multifunctional equipment to come and user interactions.

Another improvement of this multifunctional equipment is at a single CPU (CPU (central processing unit))-in this case, and for having concentrated some functions in the extremely low microcontroller of power consumption, these functions are carried out by different microprocessors usually.At this multifunctional equipment, described microcontroller is carried out following function: read and retrieve data from magnetic card, read and retrieve data from bar code, and display and keyboard management, inner management, storage administration is encrypted and data communication (via telephone network).The economize on electricity of these features is significant, thereby makes it possible to cancel external power source.

When this power supply of cancellation, it is compact more that multifunctional equipment becomes.Eliminated required space and the heating radiator of power supply.Required then inner space is quite little.The size of simplifying produces another desirable influence to cost.The smaller szie of multifunctional equipment makes that the use of more cheap shell is feasible.

In order to reach required circuit compactness and breviaty, make whole electronic engineering simple and easy as far as possible.Deleted for family and unnecessary function and the equipment of small enterprise market.Also Optimizing operation software makes it to carry out under other hardware of lowermost level.

It is printer that cost and power consumption are had the deleted equipment of substantial effect.Consider this multifunctional equipment at market environment, bank, copartner and Ka operator have developed the method for work that need not use printer.

Claims (15)

1. multifunction electronic device with resident software of the finance that is captured in family and commercial undertaking and non financial transaction, it is connected to telephone wire when operation, and this multifunction electronic device comprises:

CPU (2) based on specific program;

The user interface facilities of forming by display (3) and keyboard (4);

Slot type readout equipment;

DTMF module (4 '); With

Utilize station (40) to be connected to the interface (8) of telephone wire (80), be used for preprocessed data and distribute this data to related system (60), described related system comprises bank, shop, cable television system etc.;

Described equipment is installed on the shell (9), it is characterized in that, readout equipment is made of magnetic reader (5), described magnetic reader is used to read the magnetic orbit of credit card, debit card and other card, its feature also is barcode reader (6), this barcode reader is used for reading the bar code of printed matter, described printed matter especially for example is public licensed dealer's bill, bank money, taxation file, a catalogue, thereby allow the payment of bill and tax, carry out from subscriber household and buy and other financial transaction (ecommerce and TV commercial affairs); Or the execution non financial transaction, for example vote, participate in agon, answer suggestion pond or the like; Described multifunctional equipment has further dialing automatically, safe guidance and anti-swindle resource.

2. according to the multifunction electronic device of claim 1, it is characterized in that providing the card that makes it possible to handle some kinds, comprise the equipment of credit card, debit card, prepayment, credit card and some other cards with the same manner.

3. according to the multifunction electronic device of claim 1, it is characterized in that providing character storage and the equipment of dialing ten different telephone numbers automatically, and these telephone numbers can transmit by telephone wire (80) from remote-data station (40) according to the card of being read.

4. according to the multifunction electronic device of claim 1, it is characterized in that having nearly ten keys to catch transaction safely from some financial institutions (brand).

5. according to the multifunction electronic device of claim 1, it is characterized in that whenever the suitable code that sends by data processing station (40), is used for depositing the equipment at the last text message matrix that shows of display (3) of record in advance at its local storage when being activated via telephone network (80).

6. according to the multifunction electronic device of claim 5, it is characterized in that providing and be used for downloading to go up at display (3) showing to replace or to launch to be previously recorded in the equipment of the new text message of the message on the equipment by phone (80).

7. according to the multifunction electronic device of claim 1, it is characterized in that using a kind of proprietary compression DTMF data communication algorithm.

8. according to the multifunction electronic device of claim 1, it is characterized in that allowing only not needing external power source, catch finance and the non financial transaction that comprises bill payment in family by using a telephone wire (80).

9. according to the multifunction electronic device of claim 1, it is characterized in that a kind of safety equipment, be used for avoiding this multifunction electronic device to be used in the zone that is different from its initial installation region, (theft protection or use this equipment without permission), it allows to catch the telephone wire number that this multifunction electronic device is connected to, this number is associated with Validation Code, and be kept at sequence number in this multifunction electronic device equally, described Validation Code derives from one of magnetic orbit of the guide card that is recorded in main card by name, and the data in the bar code of card record itself.

10. according to the multifunction electronic device of claim 1 and 9, it is characterized in that comprising a kind of credit and debit card number that is used to register and discern its user, thereby prevent to catch safety equipment with the capable transaction of sticking into of unwarranted individual by this multifunction electronic device.

11. multifunction electronic device according to claim 1, the bootup process that it is characterized in that a kind of high safety of well-designed utilization main card, this main card is magnetic and optics simultaneously, and shaven head (6) and magnetic head (5) by this multifunction electronic device read this card, thereby make these cards of clone and swindle or unwarranted use extremely difficult.

12. according to claim 1,9,10 and 11 multifunction electronic device, it is characterized in that a kind of safety equipment, it is only operated by obtaining its power supply from telephone line (80) in international standardization sphere of consumption and voltage levvl; Therefore have stronger opposing thunderbolt, boisterous protective capability in short-term, this thunderbolt, inclement weather is continuous threat for the integrality that is installed in the electronic equipment in the family that does not have appropriate ground connection usually in short-term.

13. multifunction electronic device according to claim 1 and 12, it is characterized in that tackling the safety equipment of the attempt of the shell (9) of opening it, it is made up of five electrical bonds (7) on the power circuit that is installed in the RAM storer, store the data and the resident running program of part of performed transaction in the described RAM storer, be set under the situation of opening shell (9) without permission, interrupt the power circuit of RAM storer, cause the losing of data and forbidding of multifunctional equipment operation of performed transaction.

14. multifunction electronic device according to claim 1 and 13, it is characterized in that tackling the machine insurance equipment of destruction, it is resin-sealed by the circuit sensitive part, the inside surface geometry of shell (9) forms, its use is set to fill substantially the groove in the unappropriated space of electron device of multifunctional equipment, thereby the add-on module of packing into that prevents the malicious person is with collection of sensitive data.

15. multifunction electronic device according to claim 1 and 8, it is characterized in that having electronic circuit extremely compact and that optimize, wherein single microcontroller is carried out the function of being carried out by some discrete circuits usually, improve cost of products and increase for example printer of power consumption and the equipment of modulator-demodular unit thereby eliminate, make it possible to use the equipment of comparing with existing terminal with low-down sell at competitive, and take still less physical space, thereby provide the new solution that meets family market cost and size requirements.

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