CN1897530A - Financial-transaction terminal for processing information carrier according to USB interface normalization and its operation - Google Patents
Financial-transaction terminal for processing information carrier according to USB interface normalization and its operation Download PDFInfo
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- CN1897530A CN1897530A CN 200610086564 CN200610086564A CN1897530A CN 1897530 A CN1897530 A CN 1897530A CN 200610086564 CN200610086564 CN 200610086564 CN 200610086564 A CN200610086564 A CN 200610086564A CN 1897530 A CN1897530 A CN 1897530A
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- 238000010606 normalization Methods 0.000 title 1
- 238000004891 communication Methods 0.000 claims abstract description 12
- 238000000034 method Methods 0.000 claims description 17
- 238000007639 printing Methods 0.000 claims description 4
- 230000002452 interceptive effect Effects 0.000 claims description 2
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Abstract
The invention comprises a system control module, an input module, an output module, an interface module, a security module and a communication module. The system control module comprises an USB processor, and connects to and controls the input module, output module, interface module, security module and communication module; the interface module comprises a USB sub-processor connected to a USD device; the security control module is used to make hardware encryption; the communication module is used to connect to the bank network system. By the invention the USB device can be either in PC or in finance transaction terminal.
Description
Technical field
The present invention relates to a kind of financial transaction system and method for work thereof, relate to a kind of financial transaction terminal and the method for work thereof that can handle the information carrier that meets the USB interface standard specifically.
Background technology
Along with society and constant development of economy, there is increasing financial transaction terminal (as ATM, EFT/POS machine etc.) to appear at various places such as bank, market and street corner.The appearance of these financial transaction terminals has made things convenient for various financial transaction activity such as people withdraw the money, shopping.At present, financial transaction terminal can only be handled cards such as magnetic stripe card, IC-card and radio-frequency card.Storing identification informations such as the primary account number (PAN) and the term of validity on these cards.Special card reader is arranged on the financial transaction terminal, can read the information on these cards.And transaction terminal connects the access bank network by network, thereby realizes information interaction, finishes financial transaction.Wherein, most popular is magnetic stripe card.But the shortcoming of magnetic stripe card is to be forged easily.
USB (Universal Serial Bus, USB) as the interface scheme between a computer and the peripheral hardware, because of it has easy to use, characteristics such as transmission speed is fast, the easy expansion of port, numerous areas such as consumer electronics, mobile communication, home network, Industry Control and instrument and meter progressively have been extended to.
In order to adapt to the needs of each field to transfer of data and interfacing, the standard of USB technology has developed into 2.0 from 1.0, and the speed of transfer of data has also been brought up to 480Mbit/s from initial 1.5Mbit/s.When transmission speed increased substantially, USB was especially immediately following the wireless penetration trend of the communication technology, and tradition is expanded to Wireless USB (Wireless USB) based on wireless transmission platform based on the USB of cable.This new high speed wireless personal interconnection technique, in the higher transmission rates advantage that wired USB 2.0 standards of inheriting tradition are had, make full use of the flexibility of Radio Transmission Technology and the high degree of freedom, having exempted wired USB needs cable to connect the various troubles of being brought, for interconnect equipment provides bigger convenience and mobility.
At present, many information carriers that meet the USB interface standard are arranged, as intelligent code key on the market.Intelligent code key (USB TOKEN) adopts USB interface, can stored information, and stable performance.It includes secure file system, can storing X .509 digital certificate, key and other confidential information, can be enough effectively, the configuration simplified, offer commerce, electronics supplier and end user are safe to carry out, the user identifies easily, thereby reduce cost.And the distribution of intelligent code key is very extensive, a large amount of intelligent code keys that use in the online transaction.
At present, financial transaction terminal can only be handled the card that comprises magnetic stripe card and smart card, can not handle the USB information carrier equipment that is widely used.
Summary of the invention
At above-mentioned situation, the present invention aims to provide a kind of financial transaction terminal that can handle the information carrier (being called for short " USB information carrier ") that meets the USB interface standard.
The present invention realizes by following scheme: a kind of processing meets the financial transaction terminal of the information carrier of USB interface standard, comprises system control module, input module, output module, interface module, safety control module, communication module; Described financial transaction terminal can be handled the USB information carrier, promptly can carry out information interaction with the USB information carrier, can carry out transfer of data between the two; Described system control module comprises USB information carrier processing sub, system control module connection and control input module, output module, interface module, safety control module, communication module; Interface module comprises USB information carrier interface sub-module, and this submodule can link to each other with the USB information carrier; Described safety control module is used to carry out data encryption and deciphering.Described communication module is connected with bank network, as the media that carries out information interaction between USB information carrier and the bank network.
Described information and data are financial transaction information and data.
Described input module can be keyboard, button or touch-screen, perhaps is its combination.
Described output module can comprise ancillary equipment such as display screen and printing equipment.
Described financial transaction terminal can be ATM, EFT/POS machine or other forms of financial application self-aided terminal.
Storing user's financial transaction identification information on the described USB information carrier, as the primary account number and the term of validity.
Described USB information carrier interface sub-module can be Wireless USB information carrier interface sub-module.
Described USB information carrier can be for comprising the USB portable equipment of USB TOKEN, USB flash disk.
A kind of processing meets the method for work of financial transaction terminal of the information carrier of USB interface standard, comprises the steps:
(1) connects the USB information carrier;
(2) financial transaction terminal detects the USB information carrier;
(3) financial transaction terminal uses default address to send the device descriptor request to the USB information carrier;
(4) the USB information carrier returns the device descriptor of self to financial transaction terminal;
(5) financial transaction terminal distributes a new unique address to the USB information carrier;
(6) financial transaction terminal uses new address to send a device descriptor request to the USB information carrier again;
(7) the USB information carrier returns the device descriptor of self to financial transaction terminal;
(8) financial transaction terminal sends the request of configuration descriptor to the USB information carrier;
(9) the USB information carrier takes out corresponding descriptor and returns to financial transaction terminal from program's memory space;
(10) carry out financial transaction.
Described financial transaction process is the information interactive process between financial transaction terminal, USB information carrier and the bank network, comprises the operation that financial transaction terminal conducts interviews and handles the information on the USB information carrier that is connected.
The beneficial effect of financial transaction terminal of the present invention is: having can be for the USB interface and the processing module of the insertion of USB information carrier, connection, thereby can handle the USB information carrier, make the USB information carrier both can be used for PC, can be used for financial transaction terminal again, greatly facilitate people's use.
Description of drawings
Fig. 1 is a structural representation of the present invention.
Fig. 2 is transaction flow figure of the present invention.
Fig. 3 is a workflow diagram of the present invention.
Embodiment
Below in conjunction with specific embodiment the present invention is described in further detail:
As shown in Figure 1, financial transaction terminal of the present invention comprises system control module 11, input module 12, output module 13, interface module 14, safety control module 15, communication module 16.Wherein, described interface module 14 comprises USB information carrier interface sub-module 141 again; Described system control module 11 comprises USB information carrier processing sub 111 again.Described input module 12 can be keyboard, button or touch-screen, perhaps is its combination.Described output module 13 can comprise ancillary equipment such as display screen and printing equipment.Described USB information carrier interface sub-module 141 is connected with USB information carrier 17; Described safety control module 15 is used for by key transaction data being carried out encryption and decryption, to guarantee the fail safe of transaction.Described communication module 16 is connected with bank network 18, as the media that carries out information interaction between USB information carrier 17 and the bank network 18, can carry out the mutual of information between USB information carrier, financial transaction terminal and the bank network.Described financial transaction terminal can be ATM, EFT/POS machine or other financial application self-aided terminals.
As shown in Figure 2, a kind of process of exchange that can handle the financial transaction terminal of the information carrier that meets the USB interface standard comprises the steps:
After step 201 beginning, step 202 user at first inserts the USB information carrier USB information carrier interface on the described financial transaction terminal.Then, step 203 will be verified (this step is optional) to user identity.For example, require the user to input password or fingerprint.If be proved to be successful, then step 207 user can the request of sending by the input module on the described financial transaction terminal (instruction).Otherwise step 204 will be informed the user rs authentication failure, and step 205 selects whether to continue operation by the user.If the user selects to continue operation, then get back to step 203 and need verify again, till being proved to be successful, the user just can carry out next step operation, i.e. step 207 request of sending (instruction).If step 205 user selects then carry out step 206, log off.After described financial transaction terminal received the request that the user sends, step 208 was forwarded to bank network with this request.At this moment, step 209 bank network will judge whether this request is legal.If legitimate request, step 212 bank network will be given an order to described financial transaction terminal, notify it to carry out user's request.Otherwise step 210 bank network can inform that by described financial transaction terminal its request of user is illegal, denial of service.Step 211 system will point out the user to select whether to continue operation.If the user selects to continue operation, then get back to step 207 request user and re-enter request.Otherwise step 206 will log off.After described financial transaction terminal executed the request that the user sends, step 213 can return to bank network with execution result, and with information data-in storehouse, final step 214 ends task by bank network.
As shown in Figure 3, can use before the USB information carrier carries out aforesaid operations, financial transaction terminal can carry out an enumeration process to the USB information carrier.This process comprises the steps:
After step 301 beginning, step 302 connects the USB information carrier;
The device descriptor that step 305, USB information carrier are returned self to financial transaction terminal in response;
The device descriptor that step 308, USB information carrier are returned self to financial transaction terminal in response;
Above embodiment only is used for principle of the present invention and execution mode are set forth.For the those skilled in the art in this field,, aspect embodiment, some variations can be arranged according to thought of the present invention.Therefore, to should not be construed as be limitation of the present invention to the foregoing description.
Claims (15)
1. a processing meets the financial transaction terminal of the information carrier of USB interface standard, comprise system control module, input module, output module, interface module, safety control module, communication module, it is characterized in that: described system control module comprises USB information carrier processing sub, system control module connection and control input module, output module, interface module, safety control module, communication module; Interface module comprises USB information carrier interface sub-module, and this submodule can link to each other with the USB information carrier; Described safety control module is used to carry out data encryption and deciphering; Described communication module is connected with bank network.
2. processing according to claim 1 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described information and data are financial transaction information and data.
3. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described input module is a keyboard.
4. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described input module is a button.
5. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described input module is a touch-screen.
6. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described input module is the combination of keyboard, button, touch-screen.
7. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described output module is a display screen.
8. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described output module is a printing equipment.
9. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described output module is display screen and printing equipment.
10. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described financial transaction terminal is ATM or EFT/POS machine.
11. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: the financial transaction identification information of storing the user on the described USB information carrier.
12. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described USB information carrier interface sub-module is a Wireless USB information carrier interface sub-module.
13. processing according to claim 1 and 2 meets the financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: described USB information carrier is the USB portable equipment that contains USBTOKEN or USB flash disk.
14. a processing meets the method for work of financial transaction terminal of the information carrier of USB interface standard, it is characterized in that: comprise the steps:
(1) connects the USB information carrier;
(2) financial transaction terminal detects the USB information carrier;
(3) financial transaction terminal uses default address to send the device descriptor request to the USB information carrier;
(4) the USB information carrier returns the device descriptor of self to financial transaction terminal;
(5) financial transaction terminal distributes a new unique address to the USB information carrier;
(6) financial transaction terminal uses new address to send a device descriptor request to the USB information carrier again;
(7) the USB information carrier returns the device descriptor of self to financial transaction terminal;
(8) financial transaction terminal sends the request of configuration descriptor to the USB information carrier;
(9) the USB information carrier takes out corresponding descriptor and returns to financial transaction terminal from program's memory space;
(10) carry out the financial transaction process.
15. described a kind of processing meets the method for work of financial transaction terminal of the information carrier of USB interface standard according to claim 14, it is characterized in that: described financial transaction process is the information interactive process between financial transaction terminal, USB information carrier and the bank network, comprises the operation that financial transaction terminal conducts interviews and handles the information on the USB information carrier that is connected.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200610086564 CN100534039C (en) | 2006-06-22 | 2006-06-22 | Financial-transaction terminal for processing information carrier according to USB interface normalization and its operation |
| JP2007163552A JP5121326B2 (en) | 2006-06-22 | 2007-06-21 | Financial transaction terminal for processing information medium conforming to USB interface standard and its working method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 200610086564 CN100534039C (en) | 2006-06-22 | 2006-06-22 | Financial-transaction terminal for processing information carrier according to USB interface normalization and its operation |
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| Publication Number | Publication Date |
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| CN1897530A true CN1897530A (en) | 2007-01-17 |
| CN100534039C CN100534039C (en) | 2009-08-26 |
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| CN 200610086564 Active CN100534039C (en) | 2006-06-22 | 2006-06-22 | Financial-transaction terminal for processing information carrier according to USB interface normalization and its operation |
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| JP (1) | JP5121326B2 (en) |
| CN (1) | CN100534039C (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101184107B (en) * | 2007-12-17 | 2010-09-01 | 北京飞天诚信科技有限公司 | Network transaction system and method for executing network transaction using the system |
| CN108629207A (en) * | 2017-03-22 | 2018-10-09 | 温科尼克斯多夫国际有限公司 | The system and method that information based on peripheral equipment generates encryption key |
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| KR101404713B1 (en) | 2012-10-30 | 2014-06-09 | 주식회사 티모넷 | SYSTEM FOR MANAGING FINANCE Micro SD |
| CN104123787B (en) * | 2014-07-28 | 2016-08-31 | 梓昆科技（中国）股份有限公司 | A kind of acquisition method of high speed banknote acquisition system |
| CN105069926B (en) * | 2015-08-19 | 2017-06-27 | 浪潮软件集团有限公司 | Counter service self-service realization method |
| CN105405222B (en) * | 2015-12-08 | 2017-12-26 | 江苏科技大学 | Protection cabin door electronic system and control method with restricted ATM screen brightness |
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| CN105389901B (en) * | 2015-12-08 | 2017-12-15 | 江苏科技大学 | Protection cabin door electronic system and control method with the power supply of restricted ATM screen |
| CN109285299A (en) * | 2018-10-23 | 2019-01-29 | 恒银金融科技股份有限公司 | A kind of financial self-service equipment communication security control system and control method |
Family Cites Families (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPH10105624A (en) * | 1996-09-30 | 1998-04-24 | Hitachi Ltd | Telegraphic message enciphering processing system |
| JP3537680B2 (en) * | 1998-10-22 | 2004-06-14 | 富士通株式会社 | Integrated circuit for protocol control |
| JP2005267045A (en) * | 2004-03-17 | 2005-09-29 | Bank Of Tokyo-Mitsubishi Ltd | Settlement system |
| JP2005267165A (en) * | 2004-03-18 | 2005-09-29 | Toppan Printing Co Ltd | Merchandise purchase system |
| JP2005275928A (en) * | 2004-03-25 | 2005-10-06 | Bank Of Tokyo-Mitsubishi Ltd | Transfer system |
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2006
- 2006-06-22 CN CN 200610086564 patent/CN100534039C/en active Active
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2007
- 2007-06-21 JP JP2007163552A patent/JP5121326B2/en active Active
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101184107B (en) * | 2007-12-17 | 2010-09-01 | 北京飞天诚信科技有限公司 | Network transaction system and method for executing network transaction using the system |
| CN108629207A (en) * | 2017-03-22 | 2018-10-09 | 温科尼克斯多夫国际有限公司 | The system and method that information based on peripheral equipment generates encryption key |
| CN108629207B (en) * | 2017-03-22 | 2024-02-20 | 温科尼克斯多夫国际有限公司 | System and method for generating encryption key based on information of peripheral device |
Also Published As
| Publication number | Publication date |
|---|---|
| CN100534039C (en) | 2009-08-26 |
| JP5121326B2 (en) | 2013-01-16 |
| JP2008004098A (en) | 2008-01-10 |
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