CN201773445U - Payment instrument capable of conducting information interaction and transmission with mobile equipment - Google Patents
Payment instrument capable of conducting information interaction and transmission with mobile equipment Download PDFInfo
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- CN201773445U CN201773445U CN2009202086285U CN200920208628U CN201773445U CN 201773445 U CN201773445 U CN 201773445U CN 2009202086285 U CN2009202086285 U CN 2009202086285U CN 200920208628 U CN200920208628 U CN 200920208628U CN 201773445 U CN201773445 U CN 201773445U
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Abstract
The utility model discloses a payment instrument capable of conducting information interaction and transmission with mobile equipment. The payment instrument comprises an intelligent chip, a Bluetooth module connected with the intelligent chip, and a storage area. The payment instrument can centralize a plurality of bank cards, and the interaction and transmission of the bank card information between the payment instrument and the mobile communication equipment can be conducted by the Bluetooth wireless transmission technology, thus facilitating a card holder to conduct unified management and payment through the mobile equipment, and providing high payment safety.
Description
Technical field
The utility model relates to bank card paying system, relates in particular to a kind ofly to concentrate in the unified device many bank cards and the technology of paying.
Background technology
Along with the development of bank card technology and the progress of society, adopt the bank card payment to become a kind of consumption habit, the existing modes of payments is divided into on-site payment pattern and remote payment pattern two classes.In the on-site payment pattern, the holder selects commodity or service in entity trade company shop, carries out the transaction of entity bank card bankcard consumption finished surface opposite; In the remote payment pattern, the holder browses online store by the computer terminal and selects commodity or service to transfer by online bank capital to finish non-face-to-face transaction.Compare with traditional POS payment, this emerging payment scheme of online payment and mobile-phone payment has obtained in channel expansion than much progress, but all has some drawbacks:
1, the holder carries and manages several bank cards and trading card, selects suitable card to conclude the business in the payment process, carries, manages, selects many cards very loaded down with trivial details and not convenient.
2, during the holder swiped the card payment process, sensitive informations such as magnetic track information were monitored by illegal means by the lawless person easily and are stolen;
3, existing bank card card canned data is too single, is not easy to issuing bank the holder is carried out special service targetedly;
4, there is security risk hidden danger in substance cryptoguard;
5, Web bank adopts USB-KEY, IE certificate to add the securities of guaranteeing payment such as password card, file in download certificate mostly, and process of exchange uses bank card number, does not need the magnetic track information in the entity card, and no magnetic transaction exists security risk hidden danger;
6, every bank card that is used for remote payment all needs to open ebanking services at the cabinet face respectively, and relates to a plurality of passwords such as bank card payment cipher, e-Bank payment password, password for inquiry, brings many loaded down with trivial details and inconvenient to the holder;
7, the pairing certificate form difference of bank card of different bank distribution, operation format is disunity very, brings loaded down with trivial details and not convenient for holder's use, management.
For mobile-phone payment, the technical scheme kind of employing is a lot, and main shortcoming has following several aspect:
1, present most of mobile-phone payment extension that only is online payment---cable network has been extended to wireless network, so aspect security and flow operations, exist the deficiency of above-mentioned online payment equally, such as each bank different operating processes is arranged, at validation problem that does not have holder under the situation of magnetic track information etc.
2, the mobile phone operating system version is varied, various hardware interfaces also can't be unified, cause on mobile phone safe storage payment information difficulty bigger, such as the technology of encrypting the storage bank card information at present by financial smart card, though can solve above-mentioned safety issue, but there is the suitability problem between financial smart card and the mobile phone, different mobile phone operating systems and hardware interface need different financial smart cards to adapt, like this for a financial smart card of storing bank card information, in case changing mobile phone might re-use, the limitation that this has just increased mobile-phone payment greatly becomes a big obstacle of promoting mobile-phone payment.
As seen it is very inconvenient to have the bank card of many different banks and need often carry numerous bank cards, needs a kind of unified pattern that can manage various bank cards concentratedly.
The utility model content
The purpose of this utility model provide a kind of can with mobile device carry out that information interaction transmits the means of payment, employing is based on the standard extension of bluetooth, USB interface and the non-contact type wireless interface safety barrier as many bank card account information, thereby replace bank card and finish payment, whole process adopts means such as a series of encryptions, deciphering, authentication to guarantee the security of sensitive information in storage, transmission course, experiences for the holder provides convenient, safe, efficient payment.
The utility model provides following technical scheme:
A kind of means of payment that can carry out the information interaction transmission with mobile device, wherein, the described means of payment comprise intelligent chip, the bluetooth module that links to each other with intelligent chip, and storage area.
Further, the means of payment that the utility model provides are built-in with non-contact type coil, and described noncontact coil links to each other with intelligent chip, are used for carrying out bank card information with wireless mode with increment POS facility and transmit alternately.
Further, the means of payment that the utility model provides also comprise a USB modular converter, link to each other with described intelligent chip, are used for being connected with computer USB interface transmitting alternately with the bank card information between instrument of paying and the computer.
The utility model has disclosed a kind of means of payment that can carry out the information interaction transmission with mobile device, comprise intelligent chip and at least one external communication interface, bluetooth wireless interface normally, USB interface or non-contact type wireless interface, and be divided into the storage area of several regions, independent mutually in logic between the zone, control by encryption key separately respectively.Information such as application of card level security and control key are put in the security control memory block; Many bank card account information can be stored by safety encipher in the bank card memory block; The extension storage district can be divided into a plurality of distinct area, very strong expansion is provided, can load polymorphic types such as electronic cash account, trading card information, transportation card information and gate inhibition's card as required and use, can also divide a distinct area and be used for storing personal data information specially.
Adopt these means of payment to link to each other with external unit, finish the payment of bank card process of its storage inside, compare, the utlity model has following advantage with existing other payment scheme by external communication interface:
1, Bluetooth technology is integrated in the described means of payment,,, can solves the suitability problem that exists between SD card and the different model mobile phone so compare with realize mobile-phone payment by financial smart card insertion mobile phone because Bluetooth technology has very high versatility.Carry out communication by Bluetooth technology and mobile phone, thereby realize the wireless remote payment by mobile phone.Simultaneously, because the global general-use of Bluetooth technology can be applied to this safe payment mode in the mobile device of more band function of surfing the Net, and be not only existing mobile-phone payment, thereby bring more by all kinds of means secure payment pattern for the holder.
2, by closely noncontact wireless communication technology and universal serial bus technology, can carry out information interaction with contactless POS machine and realize on-site payment, the USB mouth that can directly insert the computer terminal carries out the information transmission, realizes the remote payment of wired internet; Undertaken alternately by Bluetooth technology and the mobile device that has blue tooth interface, mobile device reads the mode that is stored in the bank card information in this extension by Bluetooth technology and realizes the wireless remote payment.
Description of drawings
Fig. 1 is the standard extension inner structure that the utility model disclosed.
Embodiment
This motion proposed a kind of can with mobile device carry out that information interaction transmits the payment solution, it is the integrated with Bluetooth technology on a standard extension that has USB interface and a non-contact type coil, realize the communication between this extension and mobile phone or other mobile device, the information that makes mobile device read safe storage in this extension by Bluetooth technology realizes various payments application, for the user provides omnibearing payment solution.Bluetooth technology is based on the wireless network interconnection technique of WPAN (Wireless Personal Area Network), be the special connection of fixing or the mobile device communication environment has been set up a short range radio with the short range radio transmit-receive technology, its technical characterstic just is, it adopts the 2.4GHZ ISM band of global general-use, enough make at a distance of 10 meters to be connected to each other with interior equipment, message transmission rate reaches about 1Mb/s.Just because of bluetooth adopts the unified frequency in the whole world, make it have global general-use, adopt frequency hopping again simultaneously, antijamming capability is strong.
The inner structure of this extension and external communication mode are shown in Figure 1, can see, this extension inside has an intelligent chip, integrated bluetooth module is used for and the mobile device communication, has USB interface, be used for and the computer terminal communication, also embedded simultaneously non-contact type coil is used for carrying out communication with contactless POS terminal, is applied in the more payment mode by the payment account information of multiple channel with the safe storage in the extension.As shown in Figure 1, this extension is divided into some storage areas, independent mutually in logic between the zone, control by encryption key separately respectively, be that each different storage area has key separately, key is used to encrypt memory contents, encrypts control such as the bank card information of different bank by different bank's keys, can accomplish separate.Comprise the safe storage control zone, bank card information memory block and extension storage district, information such as application of control card level security and control key are put in the security control memory block, many bank card account information can be stored by safety encipher in the bank card memory block, the extension storage district can be divided into a plurality of distinct area, very strong expansion is provided, can load polymorphic types such as electronic cash account, trading card information, transportation card information and gate inhibition's card as required and use, can also divide a distinct area and be used for storing personal data information specially.
Information in the described standard extension in all storage areas all adopts the encryption storage mode, at first this extension is provided with access code, the user need input a password could visit this extension, and each different storage area also has key separately, key is used to encrypt memory contents, bank card information such as different bank is encrypted control by different bank's keys, can accomplish separately, cannot illegally read and write and use.
Main application model has following several:
One, realize the remote payment of wireless network with mobile device by Bluetooth technology:
Adopt the Bluetooth technology realization extension of unified 2.4GHZ ISM band and the communication between the mobile device (as mobile phone).Payment flow is as follows:
1, the holder selects the payment content by mobile device;
2, open the bluetooth equipment of mobile device, should adopt safe mode this moment, input pairing password, finish and extension between the safety pairing;
3, obtain bank card information by bluetooth, select the bank card that to pay by mobile device;
4, the holder imports payment cipher by mobile device, gives extension through the Bluetooth link encrypted transmission;
5, extension carries out sensitive information encryption and passes to mobile device by bluetooth;
6, mobile device organizes message to be sent to the corresponding mobile payment gateway by cordless communication network, finishes payment.
Two, realize the remote payment of cable network with the computer terminal by USB interface:
Because this extension has standard USB interface, can link to each other with the USB interface of computer terminal by universal serial bus technology and realize the remote payment of cable network.Payment flow is as follows:
1, the holder selects the payment content by the computer terminal;
2, the standard extension is inserted the USB interface of computer terminal, obtain bank card information in the standard extension, and select the bank card that to pay on computers by USB interface;
3, the holder imports payment cipher and confirms payment on the computer terminal;
4, extension carries out sensitive information encryption and will pay message by the network equipment of computer terminal being sent to the corresponding payment gateway, finishes payment.
Three, finish on-site payment by non-contact type coil with increment POS machine:
This extension has the non-fit coil, by closely noncontact wireless communication technique and pos machine are finished alternately the realization on-site payment.Payment flow is as follows:
1, the holder is in the on-the-spot payment content of selecting of trade company;
2, the cashier imports the amount of money having on the POS terminal of contactless card reader;
3, the holder opens payment function and enables switch, and rolling makes a movement at the contactless card reader place with extension, makes itself and POS terminal finish information interaction;
4, the POS terminal shows some bank card titles of safe storage in the extension, the bank card that holder's selection is used to pay;
5, the holder imports the bank card payment cipher and confirms payment;
6, the POS machine is organized corresponding message and is sent to payment gateway, finishes payment.
The integrated extension that has USB interface and non-wiring circle of Bluetooth technology, can be implemented in line remote payment, wireless remote payment and on-site payment, pay for wireless remote, can solve smart card and mobile phone suitability problem in the present mobile-phone payment scheme, Bluetooth technology is as a kind of global general-use technology simultaneously, this extension can be extended in the more mobile device and go, make the holder really realize safety payment easily.
The utility model concentrates on holder's bank card information in the same device, make the holder need not to carry entity cards such as several bank cards and trading card, as long as carry a USB interface-based standard extension, just can unify to use and manage, for the holder brings convenience.
The utility model adopts payment function to enable multi-level protection system such as switch, access code, bank card payment cipher and guarantees; at first only under the situation of opening the payment function switch, could use payment function; and enable standard extension described in the utility model by access code; to show the concrete bank card of being supported; also to carry out last payment at last, to guarantee payment safety of the present utility model by bank card password.
Claims (3)
1. one kind can be carried out the means of payment that information interaction is transmitted with mobile device, and it is characterized in that: the described means of payment comprise intelligent chip, the bluetooth module that links to each other with intelligent chip, and storage area.
2. a kind of means of payment that can carry out the information interaction transmission according to claim 1 with mobile device, it is characterized in that: described means of payment type built-in contactless coil, described noncontact coil links to each other with intelligent chip, is used for carrying out bank card information with wireless mode with increment POS facility and transmits alternately.
3. a kind of means of payment that can carry out the information interaction transmission according to claim 1 and 2 with mobile device, it is characterized in that: the described means of payment also comprise a USB modular converter, link to each other with described intelligent chip, be used for being connected and transmit alternately with the bank card information between instrument of paying and the computer with computer USB interface.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009202086285U CN201773445U (en) | 2009-08-28 | 2009-08-28 | Payment instrument capable of conducting information interaction and transmission with mobile equipment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009202086285U CN201773445U (en) | 2009-08-28 | 2009-08-28 | Payment instrument capable of conducting information interaction and transmission with mobile equipment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201773445U true CN201773445U (en) | 2011-03-23 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009202086285U Expired - Lifetime CN201773445U (en) | 2009-08-28 | 2009-08-28 | Payment instrument capable of conducting information interaction and transmission with mobile equipment |
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| Country | Link |
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| CN (1) | CN201773445U (en) |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102592377A (en) * | 2012-02-29 | 2012-07-18 | 福建联迪商用设备有限公司 | Method for realizing finance card terminal by Bluetooth mobile phone |
| CN104881779A (en) * | 2015-06-17 | 2015-09-02 | 恒宝股份有限公司 | Device, system, and method for mobile convergence payment |
| CN105512716A (en) * | 2015-12-29 | 2016-04-20 | 北京握奇智能科技有限公司 | Multifunctional IC card |
| CN105719391A (en) * | 2016-01-10 | 2016-06-29 | 深圳市可秉资产管理合伙企业（有限合伙） | Mobile device supporting multiple payment cards and method |
| CN106485494A (en) * | 2016-11-28 | 2017-03-08 | 金邦达有限公司 | Wearable device and its method of work, wearable system |
-
2009
- 2009-08-28 CN CN2009202086285U patent/CN201773445U/en not_active Expired - Lifetime
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102592377A (en) * | 2012-02-29 | 2012-07-18 | 福建联迪商用设备有限公司 | Method for realizing finance card terminal by Bluetooth mobile phone |
| CN104881779A (en) * | 2015-06-17 | 2015-09-02 | 恒宝股份有限公司 | Device, system, and method for mobile convergence payment |
| CN105512716A (en) * | 2015-12-29 | 2016-04-20 | 北京握奇智能科技有限公司 | Multifunctional IC card |
| CN105719391A (en) * | 2016-01-10 | 2016-06-29 | 深圳市可秉资产管理合伙企业（有限合伙） | Mobile device supporting multiple payment cards and method |
| CN106485494A (en) * | 2016-11-28 | 2017-03-08 | 金邦达有限公司 | Wearable device and its method of work, wearable system |
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| Date | Code | Title | Description |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
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| CX01 | Expiry of patent term |
Granted publication date: 20110323 |