CN202003442U - Self-service payment terminal supporting contactless IC cards - Google Patents
Self-service payment terminal supporting contactless IC cards Download PDFInfo
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- CN202003442U CN202003442U CN2011200529765U CN201120052976U CN202003442U CN 202003442 U CN202003442 U CN 202003442U CN 2011200529765 U CN2011200529765 U CN 2011200529765U CN 201120052976 U CN201120052976 U CN 201120052976U CN 202003442 U CN202003442 U CN 202003442U
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Abstract
The utility model provides a self-service payment terminal supporting contactless IC cards. The self-service payment terminal is a card-holder self-service payment terminal, requires no cooperation from staff to complete transactions, and supports contactless IC cards, so that a card-holder can complete needed transactions through reading a contactless IC card. The self-service payment terminal is provided with a contactless IC card communication module used for communicating with a contactless IC card and a security module at least used for validating the effectiveness of the contactless IC card. The self-service payment terminal has low possibility of user account leakage due to the adoption of the contactless IC card, so that the transaction safety is improved; the self-service payment terminal can be applied to outdoor unattended environment; through completing the transactions on the terminal, people do not need to go to a business hall, an agency, etc., to complete transactions; and through adopting the contactless IC cards, unfavorable card reading caused by abrasion and ageing of card-reading heads of magnetic strip card terminals and contact-type IC card terminals is avoided, thus terminal maintenance work is reduced.
Description
Technical field
The utility model relates to the self-help payment terminal of supporting contactless IC card, is applied to payment technical field.
Background technology
Present self-help payment terminal mainly is arranged at lobby, and what also have is arranged at ground such as megastore, subway, all is to use bank's magnetic stripe card to swipe the card and transacts business.The magnetic stripe card security is low, has certain risk during user card punching.Because bank's magnetic stripe card safety issue, outdoor self-aided terminal never have large tracts of land and promote, there is not large tracts of land to install, there is not large tracts of land to use.Magnetic stripe card self-help payment terminal generally is provided with automatic advance and retreat card device, cost height; The self-help payment terminal is used magnetic stripe card, and card reader because of wearing and tearing and the aging bad phenomenon of swiping the card that occurs, needs often to safeguard easily; The magnetic stripe card magnetic material is easily by demagnetization.
The provide support self-help payment terminal of contactless IC card of the utility model is used non-contact card on this terminal, improved the security of consumption, and purposes is more extensive; Use contactless IC card.Reduced the maintenance work of terminal, cut operating costs.
Summary of the invention
The purpose of this utility model be the to provide support self-help payment terminal of contactless IC card is to solve user's problem that number of the account is leaked when doing business on the self-help payment terminal; Solve the trouble that people need remove business hall, agency's transacting business; Solve the terminal of supporting magnetic stripe card and easy fault of terminal and the big problem of maintenance workload of supporting Contact Type Ic Card; Do not need to have reduced the terminal cost with advancing card automatically, moving back the magnetic stripe card card reader of card function.
In order to realize the purpose of this utility model, the provide support self-help payment terminal of contactless IC card of the utility model, described self-help payment terminal is card user's self-help payment terminal, need not staff's cooperation and finish transaction, do not support magnetic stripe card and Contact Type Ic Card business, support contactless IC card, the card user brushes contactless IC card and finishes required business.It is characterized in that: described self-help payment terminal is provided with the contactless IC card communication module, is used at least and the contactless IC card communication; Described self-help payment terminal is provided with security module, and security module is related with contactless IC card, is used to verify the validity of contactless IC card at least; Described self-help payment terminal is provided with keyboard, is used for the user at least and selects required business; Described self-help payment terminal is provided with display module, is used to point out state, the transaction results of current transaction at least; Described self-help payment terminal is provided with communication module, is used at least and the system platform communication, sends transaction request and receives transaction results, finishes required transaction; Described self-help payment terminal is provided with processor, is used at least finishing required business by treatment scheme; Described self-help payment terminal is provided with power management module, is used to the self-help payment terminal that working power is provided at least.
Support each functional module collaborative work of the self-help payment terminal of contactless IC card, business such as finish purchase, supplement with money, pay the fees such as buying sports lottery ticket, car and boat ticket, plane ticket, is supplemented with money prepaid mobile phone recharging, mass transit card, pay water rate, the electricity charge, gas charge, credit card refund etc.Because contactless IC card uses the radiofrequency signal communication, eavesdrop data such as the card number that on wireless signal, transmits and be not easy, so security performance of the present utility model improves greatly.
According to a kind of preferred implementation of the self-help payment terminal of above-mentioned support contactless IC card, described contactless IC card comprises contactless smart card and non-contact logic encryption card at least.Non-contact logic encryption card has only simple cipher protection function, does not support the dynamic operation of key, as the Mifare card.
According to a kind of preferred implementation of the self-help payment terminal of above-mentioned support contactless IC card, described security module is the SAM card.The SAM card has cipher key calculation and safety verification function, can calculate the password of non-contact logic encryption card, perhaps calculates mutually, verifies with contactless smart card to be used to finish required transaction by required secure data.
According to a kind of preferred implementation of the self-help payment terminal of above-mentioned support contactless IC card, the communication module of described self-help payment terminal is supported cable network or wireless network; Described cable network is telephone wire Modem Dial-up Network or broadband networks such as ADSL, ISDN; Described wireless network is GPRS or 3G or 4G communication network.The self-help payment terminal is connected in system platform by described network, with the system platform interactive communicate to finish required business.
According to a kind of preferred implementation of the self-help payment terminal of above-mentioned support contactless IC card, the power management module of described self-help payment terminal comprises external power supply and battery at least; External power supply is resident's civil power or sun-generated electric power or road lamp power supply.When external power supply is effective, accumulator is charged, the self-help payment terminal was used the power work that accumulator provides when external power supply was invalid.
A kind of preferred implementation according to the self-help payment terminal of above-mentioned support contactless IC card, described self-help payment terminal is provided with the fingerprint recognition processing module, is used for gathering card user's fingerprint image data at least and extracts fingerprint characteristic data from this fingerprint image data.The card user's fingerprint characteristic data that extracts is sent into the contactless IC card checking, perhaps sends to the system platform checking, and checking card user finger print information is finished subsequent transaction; Checking card user's finger print information replaces checking card user's password, improves security of system.
According to a kind of preferred implementation of the self-help payment terminal of above-mentioned support contactless IC card, described self-help payment terminal is provided with photographing module, is used at least the card user is taken pictures.When terminal or platform detect user cipher mistake or finger print information and do not match, to take pictures immediately, take a picture uploads to system platform by communication module and handles.
According to a kind of preferred implementation of the self-help payment terminal of above-mentioned support contactless IC card, described self-help payment terminal is arranged at outdoor unattended operation environment and uses.Such as the location of people's daily lifes such as bus stop, residential quarter, rural area, street, school, activity, process, the business hall of bank, telecommunications, water supply management board etc., the trouble that the agency removes transacting business have been avoided.
The beneficial effect that the utility model adopts above-mentioned technical solution to reach is: the utility model is not easy to reveal user's account number by the mode of brush contactless IC card, improves transaction security; Can be applied to outdoor unattended operation environment, on the utility model, finish transaction, solve the trouble that people need remove business hall, agency's transacting business; Solve the terminal of supporting magnetic stripe card and easy fault of terminal and the big problem of maintenance workload of supporting Contact Type Ic Card; Do not need the magnetic stripe card card reader of advance and retreat card automatically, reduced the terminal cost.
Description of drawings
Fig. 1 is a structural representation sketch of the present utility model;
Fig. 2 is provided with the structural representation sketch of fingerprint recognition processing module for the utility model;
Fig. 3 is provided with the structural representation sketch of fingerprint recognition processing module and photographing module for the utility model;
Wherein self-help payment terminal 10 comprises: processor 1, power module 2, contactless IC card communication module 3, security module 4, keyboard 5, display module 6, communication module 7, fingerprint recognition processing module 8, photographing module 9.
Embodiment
Below in conjunction with the drawings and specific embodiments the utility model is described in further details.
Be to guarantee the convenience of transaction, in the on-line transaction of following embodiment, under the state of prompting user card punching or input password, the user swipe the card earlier input password again or during by fingerprint acquiescence by system platform checking user cipher or user fingerprints information; The user input password earlier or when swiping the card again by fingerprint acquiescence by contactless IC card checking user cipher or user fingerprints information.
According to the utility model first embodiment, with reference to Fig. 1, the card user is inquiry contactless IC card electronic purse balance amount on the self-help payment terminal of supporting contactless IC card.
1: the card user selects contactless IC card electronic purse balance amount inquiry business by keyboard 5 on self-help payment terminal 10;
2: self-help payment terminal 10 is pointed out user card punching on display module 6;
3: the card user brushes contactless IC card on the contactless IC card communication module 3 of self-help payment terminal 10;
4: self-help payment terminal 10 read when detecting card by contactless IC card communication module 3 brush electronic purse balance amount on the contactless IC card, on display module 6, show remaining sum; Transaction is finished.
According to the utility model second embodiment, with reference to Fig. 1, card user usage platform account, verification platform account password on the self-help payment terminal of supporting contactless IC card are bought train ticket.
1: the card user selects to buy the train ticket business by keyboard 5 on self-help payment terminal 10;
2: network and system platform that self-help payment terminal 10 is supported by communication module 7 connect;
3: the user is input/selection departure place, the input/point that selects your destination, input/selection sailing date etc. on self-help payment terminal 10; Self-help payment terminal 10 sends to system platform with the information that the user of institute imports/selects, and initiates the request of train number and the inquiry of ticket amount to system platform;
4: system platform is replied train number and ticket amount information to self-help payment terminal 10;
5: the user selects required train number, imports required ticket booking quantity;
6: self-help payment terminal 10 is pointed out user card punching or input password on display module 6;
7: the card user brushes contactless IC card on the contactless IC card communication module 3 of self-help payment terminal 10;
8: self-help payment terminal 10 prompting card users input password; The card user imports the platform account password on self-help payment terminal 10;
9: self-help payment terminal 10 sends to system platform, the request ticket booking with data such as card user's card number, password, ordered ticket train number, date, quantity;
10: system platform is withholdd from card user's platform account, orders and takes the required train ticket in family; And the result that will book tickets is issued to self-help payment terminal 10; Transaction is finished.
The card user snaps into the place of getting tickets with the used contactless ic of ticket booking and gets ordered ticket, and the place of getting tickets is arranged at the railway station, has avoided the user to go to the railway station in advance and has bought the trouble of ticket.
According to the utility model the 3rd embodiment, with reference to Fig. 2, the card user is the usage platform account on the self-help payment terminal of supporting contactless IC card, is topped up by contactless IC card checking user fingerprints information.
1: the card user selects the business that tops up by keyboard 5 on self-help payment terminal 10;
2: network and system platform that self-help payment terminal 10 is supported by communication module 7 connect;
3: the card user need supplement phone number with money by keyboard 5 inputs on self-help payment terminal 10;
4: the card user is input/selection recharge amount on self-help payment terminal 10;
5: self-help payment terminal 10 is pointed out user card punching or input password on display module 6;
6: the card user presses fingerprint on fingerprint recognition processing module 8; Fingerprint recognition processing module 8 is gathered the user fingerprint image data and is extracted the fingerprint characteristic data that contactless ic can be discerned;
7: the card user brushes contactless IC card on the contactless IC card communication module 3 of self-help payment terminal 10; Self-help payment terminal 10 is sent the contactless IC card checking with above-mentioned fingerprint characteristic data; Contactless IC card checking card user's finger print information is also sent the checking result.
8: the data such as result that self-help payment terminal 10 is supplemented need with money phone number, recharge amount, contactless IC card account number, the success of contactless IC card checking card user finger print information send to system platform, initiate charging request to system platform;
9: system platform is withholdd from card user's platform account, and supplements with money to the phone number of user's input; Recharging result is replied to self-help payment terminal 10.Transaction is finished.
According to the utility model the 4th embodiment, with reference to Fig. 2, the card user is the usage platform account on the self-help payment terminal of supporting contactless IC card, by system platform checking user fingerprints information electricity payment.
1: the card user selects to pay electricity charge business by keyboard 5 on self-help payment terminal 10;
2: network and system platform that self-help payment terminal 10 is supported by communication module 7 connect;
3: the card user imports subscriber payments electricity table numbers by keyboard 5 on self-help payment terminal 10;
4: self-help payment terminal 10 sends to system platform with the electric table number of user's input, initiates the query requests of demand charge arrearage to system platform;
5: system platform is issued to self-help payment terminal 10 with the arrearage information of this electric supply meter correspondence;
6: self-help payment terminal 10 is pointed out user card punching or input password on display module 6;
7: the card user brushes contactless IC card on the contactless IC card communication module 3 of self-help payment terminal 10;
8: self-help payment terminal 10 points out the user to import account password on display module 6;
9: the card user presses fingerprint on the fingerprint recognition processing module 8 of self-help payment terminal 10; Fingerprint recognition processing module 8 is gathered the user fingerprint image data and is extracted the fingerprint characteristic data that system platform can be discerned;
10: self-help payment terminal 10 data such as electric table number, the amount of money of paying the fees, contactless IC card account number, user fingerprints characteristic of will paying the fees send to system platform, initiate to pay the request of the electricity charge to system platform;
11: system platform checking card user's finger print information, withhold from card user's platform account, and pay the fees to the electric table number account of user's input; The result that will pay the fees replys to self-help payment terminal 10.Transaction is finished.
According to the utility model the 5th embodiment, with reference to Fig. 3, the card user is checking non-contact intelligent clip pin mistake on the self-help payment terminal of supporting contactless IC card, and self-aided terminal carries out automatic camera.
1: the card user selects required business by keyboard 5 on self-help payment terminal 10;
2: the relevant pre-service that the user transacts business on self-help payment terminal 10
3: self-help payment terminal 10 is pointed out user card punching or input password on display module 6;
4: the user brushes contactless smart card after importing user cipher; Self-help payment terminal 10 detects the user uses when brushing contactless smart card user's input password contactless smart card to be verified contactless smart card reply code mistake;
5: self-help payment terminal 10 carries out taking pictures immediately by photographing module 9;
6: self-help payment terminal 10 prompting user cipher mistakes;
7: self-help payment terminal 10 with take a picture and upload to system platform.Transaction is finished.
In like manner: self-help payment terminal 10 receives the user cipher mistake of system platform response or finger print information when not matching, also take pictures immediately and with take a picture and upload to system platform; When self-help payment terminal 10 detects the failure of contactless smart card checking card user finger print information, also take pictures immediately and with take a picture and upload to system platform.
By above case study on implementation as can be seen, the utility model is of many uses, and transaction is quick, safety, convenient.
As known by the technical knowledge, the utility model can be realized by other the embodiment that does not break away from its spirit or essential feature.Therefore, above-mentioned disclosed embodiment with regard to each side, all just illustrates, and is not only.All in the utility model scope or the change that is being equal in the scope of the present utility model all be included in the utility model.
Claims (7)
1. support the self-help payment terminal of contactless IC card, described self-help payment terminal is card user's self-help payment terminal, need not staff's cooperation and finishes transaction, does not support magnetic stripe card and Contact Type Ic Card business, support contactless IC card, the card user brushes contactless IC card and finishes required business; It is characterized in that:
Described self-help payment terminal is provided with the contactless IC card communication module, is used for and the contactless IC card communication;
Described self-help payment terminal is provided with security module, and security module is related with contactless IC card, is used to verify the validity of contactless IC card at least;
Described self-help payment terminal is provided with keyboard, is used for the user at least and selects required business;
Described self-help payment terminal is provided with display module, is used to point out state, the transaction results of current transaction at least;
Described self-help payment terminal is provided with communication module, is used at least and the system platform communication, sends transaction request and receives transaction results;
Described self-help payment terminal is provided with processor, is used at least finishing required business by treatment scheme;
Described self-help payment terminal is provided with power management module, is used to the self-help payment terminal that working power is provided at least.
2. according to the self-help payment terminal of the described support contactless IC card of claim 1, it is characterized in that: described contactless IC card comprises contactless smart card and non-contact logic encryption card at least.
3. according to the self-help payment terminal of the described support contactless IC card of claim 1, it is characterized in that: described security module is the SAM card.
4. according to the self-help payment terminal of the described support contactless IC card of claim 1, it is characterized in that: the communication module of described self-help payment terminal is supported cable network or wireless network; Described cable network is telephone wire Modem Dial-up Network or broadband networks such as ADSL, ISDN; Described wireless network is GPRS or 3G or 4G communication network.
5. according to the self-help payment terminal of the described support contactless IC card of claim 1, it is characterized in that: the power management module of described self-help payment terminal comprises external power supply and battery at least; External power supply is resident's civil power or sun-generated electric power or road lamp power supply.
6. according to the self-help payment terminal of the described support contactless IC card of claim 1, it is characterized in that: described self-help payment terminal is provided with the fingerprint recognition processing module, is used for gathering card user's fingerprint image data at least and extracts fingerprint characteristic data from this fingerprint image data.
7. according to the self-help payment terminal of the described support contactless IC card of claim 1, it is characterized in that: described self-help payment terminal is provided with photographing module, is used at least the card user is taken pictures.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011200529765U CN202003442U (en) | 2011-03-02 | 2011-03-02 | Self-service payment terminal supporting contactless IC cards |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011200529765U CN202003442U (en) | 2011-03-02 | 2011-03-02 | Self-service payment terminal supporting contactless IC cards |
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| Publication Number | Publication Date |
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| CN202003442U true CN202003442U (en) | 2011-10-05 |
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| CN2011200529765U Expired - Fee Related CN202003442U (en) | 2011-03-02 | 2011-03-02 | Self-service payment terminal supporting contactless IC cards |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542699A (en) * | 2012-01-06 | 2012-07-04 | 北京易奈特信息咨询有限公司 | Newsstand intelligent terminal and credit card repayment method |
| CN104794994A (en) * | 2015-04-27 | 2015-07-22 | 北海和思科技有限公司 | Advertisement player system with bar code recognizing function |
| CN107301727A (en) * | 2017-07-11 | 2017-10-27 | 郑州云海信息技术有限公司 | A kind of method and apparatus of processing data card |
| US10679201B2 (en) | 2016-11-04 | 2020-06-09 | Nxp B.V. | Personal point of sale (pPOS) device that provides for card present E-commerce transaction |
| US11514418B2 (en) | 2017-03-19 | 2022-11-29 | Nxp B.V. | Personal point of sale (pPOS) device with a local and/or remote payment kernel that provides for card present e-commerce transaction |
| US11620623B2 (en) | 2018-05-31 | 2023-04-04 | Nxp B.V. | Merchant transaction mirroring for personal point of sale (pPOS) for card present e-commerce and in vehicle transaction |
-
2011
- 2011-03-02 CN CN2011200529765U patent/CN202003442U/en not_active Expired - Fee Related
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542699A (en) * | 2012-01-06 | 2012-07-04 | 北京易奈特信息咨询有限公司 | Newsstand intelligent terminal and credit card repayment method |
| CN104794994A (en) * | 2015-04-27 | 2015-07-22 | 北海和思科技有限公司 | Advertisement player system with bar code recognizing function |
| CN104794994B (en) * | 2015-04-27 | 2017-05-24 | 钟青梅 | Advertisement player system with bar code recognizing function |
| US10679201B2 (en) | 2016-11-04 | 2020-06-09 | Nxp B.V. | Personal point of sale (pPOS) device that provides for card present E-commerce transaction |
| US11514418B2 (en) | 2017-03-19 | 2022-11-29 | Nxp B.V. | Personal point of sale (pPOS) device with a local and/or remote payment kernel that provides for card present e-commerce transaction |
| CN107301727A (en) * | 2017-07-11 | 2017-10-27 | 郑州云海信息技术有限公司 | A kind of method and apparatus of processing data card |
| CN107301727B (en) * | 2017-07-11 | 2020-02-11 | 郑州云海信息技术有限公司 | Method and device for processing data card |
| US11620623B2 (en) | 2018-05-31 | 2023-04-04 | Nxp B.V. | Merchant transaction mirroring for personal point of sale (pPOS) for card present e-commerce and in vehicle transaction |
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| C56 | Change in the name or address of the patentee | ||
| CP02 | Change in the address of a patent holder |
Address after: 510665 Tangxia District, Guangdong, Tianhe District, northeast of the A1-11 District,, 301 Patentee after: Zhang Longqi Address before: 510665, 7, two street, Tai'an Road, Tianhe District, Guangdong, Guangzhou, 606 Patentee before: Zhang Longqi |
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| C17 | Cessation of patent right | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20111005 Termination date: 20130302 |