CN202189407U - Card swiping payment equipment on basis of mobile phone - Google Patents
Card swiping payment equipment on basis of mobile phone Download PDFInfo
- Publication number
- CN202189407U CN202189407U CN2011203074719U CN201120307471U CN202189407U CN 202189407 U CN202189407 U CN 202189407U CN 2011203074719 U CN2011203074719 U CN 2011203074719U CN 201120307471 U CN201120307471 U CN 201120307471U CN 202189407 U CN202189407 U CN 202189407U
- Authority
- CN
- China
- Prior art keywords
- card
- mobile phone
- chip
- track information
- magnetic track
- 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 - Fee Related
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Abstract
The utility model discloses card swiping payment equipment on the basis of a mobile phone. The card swiping payment equipment is matched with an intelligent mobile phone to be used and comprises a shell. A circuit board is arranged in the shell. The circuit board is provided with a singlechip MCU (Microprogrammed Control Unit), a magnetic track information decoding chip, a communication module and a financial PSAM (Purchase Secure Access Module) card. The shell is provided with a card reading magnetic head and a key-press keyboard. The singlechip MCU is connected with the magnetic track information decoding chip, the communication module, the financial PSAM card and the key-press keyboard respectively. The magnetic track information decoding chip is connected with the card reading magnetic head, wherein the communication module can be used for carrying out communication in a bluetooth wireless communication, audio header or serial port connector wire communication mode. The card swiping payment equipment disclosed by the utility model is subjected to communication integration with the mobile phone, so that a bank card can be used to carry out a series of bank financial services of mobile payment and inquiry and the like anytime and anywhere. The card swiping payment equipment has the characteristics of strong mobility, convenience, rapidness and safety.
Description
Technical field
The utility model relates to a kind of payment devices of swiping the card, and particularly, relates to a kind of payment devices of swiping the card based on mobile phone.
Background technology
The finance self-help terminal greatly facilitates user's paying and other financial operation service.Can adopt at home based on the self-service telephone terminal of traditional phone line transmission fsk signal communication like, user and to swipe the card, accomplish pay the fees, a series of bank finances such as inquiry are professional.Self-service telephone terminal is swiped the card through the swiping card equipment completion that carries on the phone when needing payment through LCD display display business information, uses the button of phone itself to accomplish the input password.Bank card magnetic track and encrypted message are encrypted through the encrypted card that People's Bank of China provides.Bank card magnetic track and the password encrypted transfer to payment platform through telephone wire with fsk signal together with Transaction Information, and payment platform is forwarded to information Unionpay's completion business and the information of returning is returned telephone terminal through fsk signal again according to specified format and is shown to the client.This kind fixed network telephone terminal of swiping the card is handled safe and reliablely to bank card magnetic track and encrypted message, and the transmission mode ubiquity is strong.But it is professional that it needs fixed power source, fixing telephone wire to accomplish, poor mobility, and transmission mode is single, is difficult for integrating with other equipment.
At present, the mobile-phone payment through the mobile network also greatly facilitates the user, but can't directly utilize the bank card operation of swiping the card through mobile-phone payment, it is used also have certain limitation.
The utility model content
The purpose of the utility model is to overcome the shortcoming and defect of above-mentioned prior art; A kind of payment devices of swiping the card based on mobile phone is provided; Through with the communication integrating of mobile phone; It is professional to use bank card to move a series of bank finances such as paying and inquiry whenever and wherever possible, has strong, the safe characteristics of movability.
The technical scheme that realizes above-mentioned purpose is following:
A kind of payment devices of swiping the card based on mobile phone; With the supporting use of smart mobile phone, comprise housing, be provided with circuit board in the housing; Circuit board is provided with single-chip microprocessor MCU, magnetic track information decoding chip, communication module, financial PSAM card, and housing is provided with card-reading magnetic head, key board; Said single-chip microprocessor MCU is connected respectively with magnetic track information decoding chip, communication module, financial PSAM card and key board; Said magnetic track information decoding chip is connected with card-reading magnetic head.
Further, said communication module comprises Bluetooth chip and the blue tooth interface that is connected with said Bluetooth chip.
Further, said communication module is audio frequency head or serial ports connector.
Further, the I0 mouth through single-chip microprocessor MCU between said single-chip microprocessor MCU and the magnetic track information decoding chip is connected, and passes through I between said single-chip microprocessor MCU and the financial PSAM card
2C interface connects.
The payment devices of swiping the card based on mobile phone of the utility model; Be a kind of portable finance self-help terminal, when the user uses mobile phone consumption or carries on business when needing payment, can supporting use its carry out bankcard consumption; This payment devices of swiping the card carries out the transmission of enciphered data through wireless or wire communication mode with mobile phone; Through the mobile phone private network, import the customer's consumption data into the existing systems payment platform then, accomplish payment.
Compared with prior art, the utlity model has following beneficial effect:
1, movability is strong, for the mobile phone client provides swipe the card easily payment and consumer channel
The mobile phone card-brushing payment does not receive the restriction in time, space, will promote the fast development of cellular service, consumption service greatly.Use mobile phone card-brushing to pay business such as water, electricity, gas charge, telephone charge, significantly reduced the traffic pressure that lobby is on the rise, make financial company, businessman and client tripartite benefited.Wherein, Can adopt wireless communication modes such as bluetooth as the data transmission solution; Can simplify the communication between the mobile communication terminal device effectively, also communicating by letter between simplified apparatus and the Internet Internet successfully is efficient more rapidly thereby data transmission becomes; Be the radio communication widening road, it is convenient, comfortable more to operate.
2, use the technology of swiping the card to meet the security mechanism of People's Bank of China, mobile phone card-brushing consumption has safety guarantee.
The payment devices of swiping the card of the utility model is equipped with the function that bank card 2/3 magnetic track information read and PIN are encrypted through built-in financial PSAM jig, and these two information can transfer to mobile phone with safer ciphertext form.In addition, bank card information is obtained and is encrypted all and in the payment devices of swiping the card, accomplishes, and has more advantage on the business operation, and when running into fault, the payment devices of swiping the card can be abandoned the service data of swiping the card automatically, guarantees the safety of finance data.
3, other advantages:
The payment devices of swiping the card of the utility model with the supporting use of smart mobile phone, need not be transformed mobile phone, does not receive the restriction of mobile phone model.Use mobile phone card-brushing consumption not consume amount of money restriction, meet popular now consumption habit, and cost is low is convenient to promote the use of.
Through accompanying drawing and embodiment, the technical scheme of the utility model is done further detailed description below.
Description of drawings
Fig. 1 is the structure principle chart (bluetooth communication) of the utility model;
Fig. 2 is the structure principle chart (audio frequency head, the communication of serial ports connector) of the utility model.
Embodiment
Describe below in conjunction with the preferred embodiment of accompanying drawing, should be appreciated that preferred embodiment described herein only is used for explanation and explains the utility model, and be not used in qualification the utility model the utility model.
Embodiment 1
As shown in Figure 1; The payment devices of swiping the card based on mobile phone of the utility model; With the supporting use of the smart mobile phone that has the bluetooth communication function, comprise housing (directly not illustrating among the figure), be provided with circuit board in the housing; Circuit board is provided with single-chip microprocessor MCU, magnetic track information decoding chip, communication module (comprising Bluetooth chip and connected blue tooth interface), financial PSAM card, and housing is provided with card-reading magnetic head, key board; Single-chip microprocessor MCU is connected respectively with magnetic track information decoding chip, communication module, financial PSAM card and key board; The magnetic track information decoding chip is connected with card-reading magnetic head.Pass through I between single-chip microprocessor MCU and the financial PSAM card
2C interface is realized the control to encrypting module, accomplishes that key is discrete, track encryption, PIN encryption function; Through the I0 mouth of MCU, accomplish reading of two, three magnetic track informations between single-chip microprocessor MCU and the magnetic track information decoding chip; Each row of key board button all are connected to the disjunction gate chip, and this or any button of goalkeeper are triggered to the interruption of MCU.
The payment devices of swiping the card of the utility model, wherein the function of each chief component is following:
Single-chip microprocessor MCU:, organize other each modules to carry out work as the payment devices circuit board core component of swiping the card.Swipe the card payment devices primary control program (PCP) and button value table of centralized stores in MCU Flash.KEIL software is adopted in writing of MCU program, and MCU adopts the STC single-chip microcomputer, and PC end ISP downloading control software is used for the chip programming.
Magnetic track information decoding chip and card-reading magnetic head: read bank card 2/3 magnetic track information through card-reading magnetic head, carry out decode operation, thereby obtain bank card magnetic track information through the magnetic track information decoding chip.
Bluetooth chip and blue tooth interface: convert operational order into meet the Bluetooth communication standard signal and see off through blue tooth interface through Bluetooth chip, output data is to smart mobile phone.
Key board: through this key board input bank card business dealing password, keyboard input is differentiated, carried out each button corresponding command through equipment single-chip microprocessor MCU button value table.
Finance PSAM card: major function guarantees the information conforms financial security standard of seeing off for bank card magnetic track information and trading password are carried out the instant encryption operation through Unionpay's encryption key.
Through the payment devices of swiping the card of the utility model, the business that can select to open comprises:
1, self-help bank: bank card inquiry into balance, bank card are transferred accounts, credit card is refunded;
2, the handy service for the people: charge for water, the electricity charge, combustion gas expense;
3, communication is paid the fees: UNICOM's fixed line, mobile phone, cell phone, telecommunication telephone, Gehua Cable;
4, welfare lottery ticket: twin color ball, 3D, seven happy coloured silks;
5, ecommerce: buy address card, the card of game points, bill payment, purchase the air ticket.
The utility model above-mentioned swipe the card payment devices need with a supporting use of smart mobile phone with Bluetooth function, concrete method of application is:
Show the payment page, connect the backstage payment platform through smart mobile phone; When the payment transaction of customer selecting proceeds to payment during this step; The client clicks " swiping the card " key in the payment devices key board of swiping the card of the utility model, carries out the operation of swiping the card of Standard Bank card.Completion is swiped the card the back according to prompting input bank card payment cipher.After the input password is accomplished, click " transmissions " key, will encrypt afterwards that data are sent to smart mobile phone, be sent to the backstage processing of paying through operator's mobile phone private network again.
Because bank card information is obtained and is encrypted all and in the payment devices of swiping the card of the utility model, accomplishes; When mistake appears in this payment devices system that swipes the card; As the single-chip microcomputer accident restart, part of module does not have response, bluetooth communication interrupts or supply voltage is low etc.; The payment devices of swiping the card can be abandoned the service data of swiping the card automatically, stops operation this time, guarantees the safety of finance data.
Embodiment 2
As shown in Figure 2; A kind of payment devices of swiping the card based on mobile phone is that with the difference of embodiment 1 communication module wherein adopts audio frequency head or serial ports connector; All the other structures can be passed through the supporting use of wired connection mode with the smart mobile phone with COBBAIF with embodiment 1.
What should explain at last is: the above is merely the preferred embodiment of the utility model; Be not limited to the utility model; Although the utility model has been carried out detailed explanation with reference to previous embodiment; For a person skilled in the art, it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement.All within the spirit and principle of the utility model, any modification of being done, be equal to replacement, improvement etc., all should be included within the protection domain of the utility model.
Claims (4)
1. payment devices of swiping the card based on mobile phone; It is characterized in that; With the supporting use of smart mobile phone, comprise housing, be provided with circuit board in the housing; Circuit board is provided with single-chip microprocessor MCU, magnetic track information decoding chip, communication module, financial PSAM card, and housing is provided with card-reading magnetic head, key board;
Said single-chip microprocessor MCU is connected respectively with magnetic track information decoding chip, communication module, financial PSAM card and key board;
Said magnetic track information decoding chip is connected with card-reading magnetic head.
2. the payment devices of swiping the card according to claim 1 is characterized in that, said communication module comprises Bluetooth chip and the blue tooth interface that is connected with said Bluetooth chip.
3. the payment devices of swiping the card according to claim 1 is characterized in that, said communication module is audio frequency head or serial ports connector.
4. the payment devices of swiping the card according to claim 1 is characterized in that, the I0 mouth through single-chip microprocessor MCU between said single-chip microprocessor MCU and the magnetic track information decoding chip is connected, and passes through I between said single-chip microprocessor MCU and the financial PSAM card
2C interface connects.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011203074719U CN202189407U (en) | 2011-08-23 | 2011-08-23 | Card swiping payment equipment on basis of mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011203074719U CN202189407U (en) | 2011-08-23 | 2011-08-23 | Card swiping payment equipment on basis of mobile phone |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN202189407U true CN202189407U (en) | 2012-04-11 |
Family
ID=45920844
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2011203074719U Expired - Fee Related CN202189407U (en) | 2011-08-23 | 2011-08-23 | Card swiping payment equipment on basis of mobile phone |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN202189407U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103337117A (en) * | 2012-08-28 | 2013-10-02 | 上海方付通商务服务有限公司 | Mobile card-swiping terminal |
| CN103345799A (en) * | 2013-06-08 | 2013-10-09 | 钱袋网（北京）信息技术有限公司 | Card swiping device and method for encrypting information of bank card in card swiping device |
| CN104574061A (en) * | 2015-01-16 | 2015-04-29 | 卢晓平 | Mobile payment function terminal |
-
2011
- 2011-08-23 CN CN2011203074719U patent/CN202189407U/en not_active Expired - Fee Related
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103337117A (en) * | 2012-08-28 | 2013-10-02 | 上海方付通商务服务有限公司 | Mobile card-swiping terminal |
| CN103345799A (en) * | 2013-06-08 | 2013-10-09 | 钱袋网（北京）信息技术有限公司 | Card swiping device and method for encrypting information of bank card in card swiping device |
| CN103345799B (en) * | 2013-06-08 | 2015-08-05 | 北京钱袋宝支付技术有限公司 | Bank card information encryption method and swiping card equipment in swiping card equipment |
| CN104574061A (en) * | 2015-01-16 | 2015-04-29 | 卢晓平 | Mobile payment function terminal |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20120411 Termination date: 20200823 |