CN202142082U - Financial IC card reader-writer - Google Patents

Financial IC card reader-writer Download PDF

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Publication number
CN202142082U
CN202142082U CN201120264278U CN201120264278U CN202142082U CN 202142082 U CN202142082 U CN 202142082U CN 201120264278 U CN201120264278 U CN 201120264278U CN 201120264278 U CN201120264278 U CN 201120264278U CN 202142082 U CN202142082 U CN 202142082U
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CN
China
Prior art keywords
financial
card
interface
read write
write line
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime
Application number
CN201120264278U
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Chinese (zh)
Inventor
郭思建
郑立
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Collection Networking Network Technology Co Ltd
Original Assignee
Beijing Collection Networking Network Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
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Application filed by Beijing Collection Networking Network Technology Co Ltd filed Critical Beijing Collection Networking Network Technology Co Ltd
Priority to CN201120264278U priority Critical patent/CN202142082U/en
Application granted granted Critical
Publication of CN202142082U publication Critical patent/CN202142082U/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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Abstract

The utility model relates to the technical field of computer recognition, in particular to a financial IC card reader-writer. The financial IC card reader-writer comprises a shell, a card slot, a button, a liquid crystal display screen, a USB (Universal Serial Bus) interface and an earphone and/or microphone interface, wherein the earphone and/or microphone interface is used for taking electricity or is used as an input and output channel for data transmission; and the interface standard of the card slot and a financial IC card is the code standard of PBOC (People's Bank of China) 2.0.

Description

A kind of financial IC card read write line
Technical field
The utility model relates to the Computer Recognition Technology field, is specifically related to a kind of financial IC card read write line.
Background technology
Integrated circuit card (being called for short IC-card, Integrated Circuit Card, integrated circuit card) is another the novel information instrument that after magnetic card, occurs.IC-card also is called as smart card (smart card), smart card (intelligent card), microcircuit card (microcircuit card) or chip card etc.It is a microelectronic chip to be embedded meet in the card base of ISO 7816 standards, makes card form; Very be widely used in and comprised a lot of fields such as finance, traffic, social security.
Integrated circuit card is called as financial IC card and is called the chip bank card again in financial industry, is with the bank card of chip as medium.The chip card capacity is big, can storage key, information such as digital certificate, fingerprint, and the standard (being called for short PBOC 2.0) that People's Bank of China has issued China's finance integrated circuit (IC) card is used the standard of IC-card as the China's finance industry.
The IC-card read write line is the bridge between IC-card and application system; In the PBOC2.0 standard, be referred to as interfacing equipment (Interface Device); The IC-card read write line refers to insert on the machine part of IC-card; Comprise wherein machinery and electric part, comprise miscellaneous part and interface simultaneously, for example: button, display screen and with interface of host communication etc.
Personal computer (abbreviation PC) go up to realize that the read-write capability of IC-card mainly is following several method: carry IC-card read write line function, IC-card read write line on the PC and be connected to mobile phone, IC-card read write line through serial ports or USB mouth wireline interface and be connected to mobile phone through infrared, bluetooth or WIFI wave point.The PC/SC standard is proposed by the PC/SC working group that Microsoft and other famous smart card manufacturer of the world form; The PC/SC standard is a Standard User interface (API) based on the WINDOWS platform; Integration environment from PC (Personal Computer) to smart card (SmartCard) is provided; Though up to the present; Windows is the operating system platform of unique support PC/SC standard, but because the influence power of Windows, the PC/SC standard is also accepted by the smart card industry.
The read-write capability of realizing IC-card on the mobile phone mainly is following several method: carry IC-card read write line function, IC-card read write line on the mobile phone terminal and be connected to mobile phone, IC-card read write line through serial ports or USB mouth wireline interface and be connected to mobile phone through infrared, bluetooth or WIFI wave point.Tissue does not propose the corresponding interface standard at present.
Defective below existing card reader exists:
1, kind of interface is single and do not have versatility, and among the CN201607745U, the IC-card card reader is connected through RS232 with intelligent mobile phone platform, and among the CN2791758Y, input channel is RS232 and USB.Basically all dispose the RS232 interface no longer separately on the digital equipment at present.USB interface is the standard configuration interface; But USB interface is of a great variety; Do not have unitarity, each manufacturer's standard disunity of USB interface in the market, external shape and interface definition are inconsistent; Not following 5 kinds of all kinds, the IC-card read write line need dispose the various access demands that a variety of adapters could adapt to market product.
2, product function is single does not have an extendability, and CN201780639U can only support magnetic card, can not satisfy the use of financial IC card, and does not have software on the operating system to cooperate can not to constitute a bank card environment for use complete, safety.
3, financial IC card read write line security function is not enough; CN201607745U uses the button and the display screen of digital equipment to carry out the input of financial IC card core password code; At digital equipment; Especially PC is injected after the wooden horse by the hacker, and the Account Security property of bank-user can not get ensureing, is very easy to occur the generation of the stolen case of account funds.
The utility model content
The purpose of the utility model is that the defective that overcomes existing card reader existence provides a kind of financial IC card read write line.
The financial IC card read write line exists in market in a large number; Connecting with PC simultaneously is present industrywide standard configuration; But; The financial IC card read write line connects with the digital equipment of cell phone type does not also have standard, connects and can solve the access of the fund of financial IC card with digital equipment, has many technological invention points and technological improvement point to carry out.The core of the utility model is to increase earphone/standard 2.5mm or the 3.5mm interface interface as data transmission and power supply, relates to protecting theing contents are as follows:
According to a kind of financial IC card read write line of the present invention, comprise shell, draw-in groove, button, LCDs, earphone and/or microphone interface;
Said earphone and/or microphone interface are used for power taking or as the input and output passage of data transmission;
The interface standard of said draw-in groove and financial IC card is the codes and standards of PBOC2.0.
Wherein, also comprise USB interface.
Wherein, earphone and/or microphone interface also comprise low-loss transducing circuit and efficient booster circuit; This financial IC card read write line can be supplied power through one or more of USB interface, earphone and/or microphone interface, battery.
Wherein, Earphone interface and microphone interface use as the input and output passage of data transmission respectively; The basis of data modem is that sine wave output uses amplitude-shift keying ASK mode or uses dtmf code to carry out data-modulated and demodulation as carrier signal on carrier signal on voice band line.
Wherein, said draw-in groove also comprises the magnetic stripe draw-in groove.
The said financial IC card read write line of the utility model particular point is to make the range of application of existing read write line more extensive, the environment for use that expands the financial IC card personal user through the power supply and the data transmission of earphone and/or microphone interface.
The utility model has also designed the financial IC card read write line equipment of an off-line, online unification, and whether off-line be connected with online being defined as with the bank finance background processing system.The online financial IC card read write line that is connected to carries out interconnected through the background processing system of computing machine or digital equipment and bank.As shown in Figure 1.
The beneficial effect of the utility model is: the IC-card read write line of the utility model can satisfy user's request for utilization to financial IC card in multiple environment:
1, under the situation of the powered battery of leaning on machine intimate and off-line, the various service functions in the financial IC card can be provided, for example stored value card, trading signature, dynamic password function.
2, computing machine and digital equipment are being arranged; But under the situation of computing machine or digital equipment off-line, lean on USB interface or the earphone and/or the microphone interface power supply of computing machine or digital equipment, the various service functions in the financial IC card can be provided; For example stored value card, trading signature, dynamic password function; Earphone and/or microphone interface only have 2.5mm and two kinds of standards of 3.5mm at present, and are the standard interfaces of digital equipment, are very easy to accomplish the unification of interface.
3, computing machine and digital equipment are being arranged; And under the online situation of computing machine or digital equipment; Lean on USB interface or the earphone and/or the microphone interface power supply of computing machine or digital equipment; Through USB interface or earphone and/or microphone interface, the various service functions in the financial IC card can be provided simultaneously, for example stored value card, electronic bankbook, transfer accounts on the net, consumption online, digital signature function.
Bank-user use this financial IC-card read write line can with banking system off-line, online environment under oneself financial IC card is operated, under the situation that has or not external interface to supply power, can operate financial IC card, make the range of application of financial IC card more extensive.
USB interface exists as the standard interface of computing machine, through this financial IC-card read write line and corresponding driving software, when computing machine connects the internet, provides financial IC card based on online self-service financial service easily.
Earphone and/or microphone interface exist as the standard interface of mobile phone and computing machine; Can make this IC-card read write line not have USB interface at the digital product that can connect the internet; Only have under the situation of earphone and/or microphone interface; Through this financial IC-card read write line and corresponding driving software, provide financial IC card easily based on online self-service financial service.
Button and liquid crystal display all accomplish IC-card user's operation on the financial IC card read write line, stopped the threat to user's fund security of virus on the digital product or wooden horse.
Description of drawings
Fig. 1 is a financial IC card read write line equipment synoptic diagram.
Fig. 2 is that the internal module of financial IC card read write line is formed synoptic diagram.
Embodiment
Below in conjunction with embodiment the utility model is described further.
As shown in Figure 2, the internal module of the financial IC card read write line of the utility model is formed as follows:
1, the earphone of financial IC card and/or microphone interface power taking
Earphone output voltage peak-to-peak value is 2V (the positive crest of output voltage and the difference of negative peak); Effective output less than ten milliwatts; Common use can only drive earphone; Through low-loss transducing circuit and efficient booster circuit, earphone interface can provide the electric current greater than 1ma to supply the inner use of financial IC card read write line.
2, many power supply managements of financial IC card read write line
Need manage to the electric energy that obtains from earphone, battery power and USB interface electric energy, carry out the control of power supply power supply according to preferential, the big electric current power supply principle of priority of externally fed.Financial IC card to different voltage requirements in the draw-in groove carries out power supply management simultaneously.
3, the earphone of financial IC card read write line and/or microphone interface data transmission
Earphone interface and microphone interface use as the input and output passage of data transmission respectively, and the basis of data modem is that sine wave output is as carrier signal on voice band line, and audio frequency sine wave freuqency output area is 1K-20K.On carrier signal, use amplitude-shift keying (ASK) mode or use dtmf code to carry out data-modulated and demodulation.
4, the data transfer management between the earphone of financial IC card read write line and/or microphone interface and the USB interface
The financial IC card read write line has two data transmission channels; Earphone and/or microphone interface are the digital simulation transmission channels; USB interface is the pure digi-tal transmission channel, and under any one the interface duty in two interfaces, the access of other interfaces needs limiting access.Under the situation that interface inserts simultaneously, need carry out priority arbitration.An interface is after communication process breaks, and the switching of another one interface need be managed.
5, button and liquid crystal display
The financial IC card read write line can use the button of these equipment and display unit to carry out interactive operation after inserting PC or digital equipment; In safety issue itself that consider that these equipment possibly exist; Special-purpose button and liquid crystal display component on the financial IC card read write line, have been designed; Be used for the financial IC card that the user operates oneself, strengthened the level of security of financial IC card read write line greatly.
6, draw-in groove
When financial IC card is carried out read-write operation, need financial IC card be inserted the draw-in groove of financial IC card read write line, and carry out the action of plug-in card according to the requirement of bank, the interface standard of draw-in groove and financial IC card meets the code requirement of PBOC2.0.Consider a large amount of non-financial IC card of present society circulation, i.e. the existence of ordinary bank's magnetic stripe card, the financial IC card read write line also can be matched the magnetic stripe draw-in groove, to accomplish the operation of swiping the card of magnetic stripe card.Behind the following issued by banks contactless IC card, only need replacing radio-frequency card antenna and circuit can support the contactless ic mode card.
7, the driving of multiple operating system and transmitting software
The financial IC card read write line is when inserting PC or digital equipment; Drive software and corresponding data transmission software based on its operating system need be installed on relevant device; Drive software and data transmission software based on following operating system are necessary, for example operating systems such as Windows, apple IOS, Android, WinCE.
Operation example
1, inserts the draw-in groove of financial IC card to the financial IC card read write line; On the financial IC card read write line, select the electronic purse balance amount query function through demonstration and button; Through button input financial IC card personal identification number, through showing the electronic purse balance amount that obtains current financial IC card.
2, the USB interface of inserting the financial IC card read write line is to PC; PC is through Internet connection bank bank system of web; Insert the draw-in groove of financial IC card, on the financial IC card read write line,, import the financial IC card personal identification number through button through showing and button selection Net silver login feature to the financial IC card read write line; The financial IC card read write line generates the log-on message of encryption and digital signature; USB interface through the financial IC card read write line is delivered to this log-on message on the PC, and driving that PC is last and transmitting software are realized Web bank's login action with sending the bank net system on this log-on message.
3, the user uses apple IPAD browsing online shopping mall; Choose satisfied commodity to need payment, select the financial IC card payment, the earphone and/or the microphone interface of financial IC card read write line is inserted on the IPAD at the consumption page of bank; Insert the draw-in groove of financial IC card to the financial IC card read write line; Through showing and button selection Net silver payment function, import the financial IC card personal identification number through button, Payment Amount and merchant information are confirmed in the prompting of financial IC card read write line on the financial IC card read write line; Confirm to generate the payment transaction information of encryption and digital signature; Earphone and/or microphone interface through the financial IC card read write line are delivered to this payment transaction information on the IPAD, and driving that IPAD is last and transmitting software are realized Web bank's payment action with sending the bank net system on this payment transaction information.

Claims (5)

1. a financial IC card read write line is characterized in that comprising shell, draw-in groove, button, LCDs, earphone and/or microphone interface;
Said earphone and/or microphone interface are used for power taking or as the input and output passage of data transmission;
The interface standard of said draw-in groove and financial IC card is the codes and standards of PBOC2.0.
2. financial IC card read write line as claimed in claim 1 is characterized in that also comprising USB interface.
3. financial IC card read write line as claimed in claim 2 is characterized in that earphone and/or microphone interface also comprise low-loss transducing circuit and efficient booster circuit; This financial IC card read write line can be supplied power through one or more of USB interface, earphone and/or microphone interface, battery.
4. financial IC card read write line as claimed in claim 3; It is characterized in that earphone interface and microphone interface use as the input and output passage of data transmission respectively; The basis of data modem is that sine wave output uses amplitude-shift keying ASK mode or uses dtmf code to carry out data-modulated and demodulation as carrier signal on carrier signal on voice band line.
5. financial IC card read write line as claimed in claim 4 is characterized in that said draw-in groove also comprises the magnetic stripe draw-in groove.
CN201120264278U 2011-07-25 2011-07-25 Financial IC card reader-writer Expired - Lifetime CN202142082U (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201120264278U CN202142082U (en) 2011-07-25 2011-07-25 Financial IC card reader-writer

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201120264278U CN202142082U (en) 2011-07-25 2011-07-25 Financial IC card reader-writer

Publications (1)

Publication Number Publication Date
CN202142082U true CN202142082U (en) 2012-02-08

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CN201120264278U Expired - Lifetime CN202142082U (en) 2011-07-25 2011-07-25 Financial IC card reader-writer

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103251403A (en) * 2012-02-17 2013-08-21 钱军 Portable electrocardio measuring system and manufacture method thereof
CN103251397A (en) * 2012-02-17 2013-08-21 钱军 Portable blood pressure measuring system and manufacture method thereof
CN104750630A (en) * 2015-04-14 2015-07-01 飞天诚信科技股份有限公司 Working method of PC/SC driving base in IOS device
CN106026354A (en) * 2016-05-16 2016-10-12 新智数字科技有限公司 Active IC card and external charging card sleeve

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103251403A (en) * 2012-02-17 2013-08-21 钱军 Portable electrocardio measuring system and manufacture method thereof
CN103251397A (en) * 2012-02-17 2013-08-21 钱军 Portable blood pressure measuring system and manufacture method thereof
CN104750630A (en) * 2015-04-14 2015-07-01 飞天诚信科技股份有限公司 Working method of PC/SC driving base in IOS device
CN104750630B (en) * 2015-04-14 2017-09-22 飞天诚信科技股份有限公司 A kind of method of work of PC/SC Driver Libraries in ios device
CN106026354A (en) * 2016-05-16 2016-10-12 新智数字科技有限公司 Active IC card and external charging card sleeve

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Granted publication date: 20120208