CN202268030U - POS credit card payment apparatus applied in mobile communication terminal - Google Patents
POS credit card payment apparatus applied in mobile communication terminal Download PDFInfo
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- CN202268030U CN202268030U CN2011203809096U CN201120380909U CN202268030U CN 202268030 U CN202268030 U CN 202268030U CN 2011203809096 U CN2011203809096 U CN 2011203809096U CN 201120380909 U CN201120380909 U CN 201120380909U CN 202268030 U CN202268030 U CN 202268030U
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Abstract
The utility model discloses an external connection payment apparatus utilizing a common handset as an information transmission carrier, wherein POS credit card payment or account transfer can be conveniently realized in a mobile or fixed environment. The apparatus includes an MCU processor, a magnetic card read module, a magnetic head decoding module, a DTMF decoding module, a data packing and encrypting module, a modulation/demodulation module, a voice dialing module, a handset audio frequency interface plug, a signal prompt module and a power supply management module. In the apparatus, the technology and safety problems of handset payment are solved, and POS payment or account transfer on the present common handset can be popularized with low cost.
Description
Technical field:
The utility model relates to the external payment mechanism of swiping the card that is applied to mobile communication terminal, and is particularly a kind of through utilizing regular handset in mobile or fixed environment, can conveniently realize the external payment mechanism that POS swipes the card or transfers accounts as information promulgating platform.
Background technology:
At present, existing electronic fare payment system mainly is divided into following several types: based on payment on the line of internet, based on payment under the line of POS machine, and based on some mobile-phone payments based on smart mobile phone.
Wherein, there are unsafe factors such as well-known virus and hacker attacks in payment on the line.Certainly, its another limitation be exactly on the line payment need the user to rely on desktop computer or notebook computer these are not portable, perhaps carry inconvenient operating terminal.Payment relatively is fit to the net purchase financial transaction payment towards Online Store usually on the line; And bank card and relevant payment thereof in solid shop/brick and mortar store, carrying out, present majority is still swiped the card through the POS machine under the line and indivedual smart mobile phone that possesses payment function that has just come out is at present realized.
Yet, at present the cost of POS machine equipment with and maintenance cost higher, and the volume of POS machine equipment is relatively also bigger, even if portable POS machine equipment uses also very heaviness.Though; Above-mentioned this defective is remedied by the smart mobile phone that some of just having come out at present possess payment function, but these smart mobile phones are realized the network electronic payment through the mobile phone in house software mostly, because smart mobile phone itself also is regarded as a kind of small-sized PC that possesses the mobile networking function; So the virus of also paying on type of the having liny and the security risk of hacker aspect; Simultaneously, because this smart mobile phone itself just possesses certain requirement to the software and hardware at terminal, can adopt this mode of mobile-phone payment so be only limited to the smart mobile phone of a part of manufacturer and model; Then can't on all mobile phones, promote, popularization is relatively poor.
The utility model content:
In view of above-mentioned technical matters, it is a kind of through utilizing regular handset in mobile or fixed environment, can conveniently realize the external payment mechanism that POS swipes the card or transfers accounts as information promulgating platform that the utility model provides.This device can solve the technology and the safety problem of above-mentioned mobile-phone payment, and can mobile phone POS swiped the card or transferred accounts with lower cost and on existing regular handset, popularized.
To achieve these goals, the technical scheme of the utility model employing is such:
The POS that the is applied to mobile communication terminal payment mechanism of swiping the card comprises:
One MCU processor;
One from the magnetic stripe of magnetic card recorded information or the magnetic card read module of chip collection card image;
One converts the card image of being gathered the magnetic head decoder module of transaction data to;
One receives information that the user imports and becomes data transmission to give the DTMF decoder module of MCU processor information translation through the handset audio interface on mobile phone;
Integrate once the MCU processor data, the mobile phone input data that will obtain from the transaction data and the DTMF decoder module of magnetic card collection are packed and ciphered data packing and encrypting module;
One is modulated at the modulation/demodulation modules on the sound signal with the transaction data behind the packaging ciphering;
One passes through the phonetic dialing module of the IVR Data Receiving platform phone of handset audio interface control mobile phone dialing appointment;
One is used for to DTMF decoder module transmitting cell-phone input information, and the transaction data that will be modulated into sound signal is through being transferred to mobile phone and borrowing antenna for mobile phone to send to the handset audio interface plug of IVR Data Receiving platform;
One is used in real time to the swipe the card signal prompt module of status information of user feedback;
One be used for providing power supply to device power management module.
In the such scheme, said device also is provided with one and is used for security module that the safe key in data packings and the encrypting module is managed, stored and upgrades.
In the such scheme, said magnetic card read module is magnetic stripe card read head, IC-card read head, contactless IC card read head.
In the such scheme, said magnetic head decoder module is for passing through the inner software functional block of realizing of MCU processor or the decoding circuit of hardware.
In the such scheme, said packing data and encrypting module adopt DES, 3DES and AES encryption method.
In the such scheme, said modulation/demodulation modules adopts FSK, PSK, ASK modulation/demodulation methods.
In the such scheme, said signal prompt module comprises LED light, display screen and/or loudspeaker.
The beneficial effect of the utility model device in practical application is following:
1. mobile phone is without any need for the embedded software beyond itself.
2. card reader receives the information that the user imports through COBBAIF on mobile phone.
3. last voice-grade channel through mobile phone is transferred to platform after all information encryptions.
4. under the situation of built-in mobile phone software not, this device can also remove to control the platform number of this mobile phone dialing appointment through the mobile phone of support voice dial feature through the phonetic dialing instruction.
5. security module is set reduces the security risk of equipment in data transmission procedure with replacement through key being carried out real-time management.
Description of drawings:
Further specify the utility model below in conjunction with accompanying drawing and embodiment.
Fig. 1 is the swipe the card structured flowchart of payment mechanism of the said POS of the utility model.
Fig. 2 is the said POS of the utility model application block diagram of payment mechanism in concrete payment system of swiping the card.
Embodiment:
For technological means, creation characteristic that the utility model is realized, reach purpose and be easy to understand understanding with effect, below in conjunction with concrete diagram, further set forth the utility model.
As shown in Figure 1; The described POS that is applied to mobile communication terminal (mainly being mobile phone) of the utility model payment mechanism of swiping the card; It comprises: MCU processor 101, magnetic card read module 102, magnetic head decoder module 103, DTMF decoder module 104, packing data and encrypting module 105, modulation/demodulation modules 106, phonetic dialing module 107, handset audio interface plug 108, signal prompt module 109, power management module 110, and security module 111.
Wherein, MCU processor 101 is its processing core of this device.Magnetic card read module 102 is used for gathering card image from the magnetic stripe of magnetic card recorded information or chip.Because this magnetic card read module 102 can adopt types such as magnetic stripe card read head, IC-card read head, contactless IC card read head mostly.So the magnetic card type of being read and write also comprises at present at finance and the extensive adopted IC-card of payment technical field, rfid card etc.103 of connected magnetic head decoder modules convert the card image of being gathered transaction data to and are submitted to MCU processor 101, thereby accomplish whole identification and collection to data on magnetic card.On the other hand; 104 of DTMF decoder modules receive information that the user imports and become data transmission to give MCU processor 101 information translation through the handset audio interface on mobile phone; Since this part mobile phone input data be in the whole process of swiping the card the user by this input platform of mobile phone, the affirmation information related to payment flow.So also be one of indispensable data message of whole POS payment mechanism.Afterwards, through MCU processor 101 data integration, the mobile phone input data that packing data and encrypting module 105 will obtain from the transaction data and the DTMF decoder module 104 of magnetic card collection are packed and are encrypted.Encryption method can adopt these two kinds of algorithms of DES, 3DES and AES.It is pointed out that in order to make whole payment mechanism in whole transmission of transaction data process, possess higher security better, come the safe key in data packing and the encrypting module 105 is managed, stored and upgrades through security module 111 is set.After accomplishing above-mentioned steps, modulation/demodulation modules 106 will be modulated at the transaction data behind the packaging ciphering on the sound signal, and the modulation methods rule adopts these several kinds of FSK, PSK, ASK.
After accomplishing above-mentioned payment data integration and modulating; Phonetic dialing module 107 will be through the IVR Data Receiving platform phone of handset audio interface control mobile phone dialing appointment; After waiting to connect the backstage service platform, these transmission of transaction data that are modulated into sound signal are given mobile phone and are borrowed antenna for mobile phone to send to IVR Data Receiving platform.
The said POS of the utility model payment mechanism of swiping the card can insert COBBAIF that existing mobile phone all has through handset audio interface plug 108 when using and comes being connected of implement device and mobile phone.Then read card image by magnetic card read module 102; Magnetic head decoder module 103 through a hardware (or adopting embedded software to realize); Convert the relevant data of transaction such as card number to, the inner DTMF decoder module 104 of device can receive the information that the user imports through the handset audio interface on mobile phone, packs these data together with other transaction related informations such as card numbers then and encrypts; Be modulated on the sound signal with FSK or other method (PSK or ASK); Start the phonetic dialing of mobile phone again through the handset audio interface, the IVR Data Receiving platform phone of control mobile phone dialing appointment, treat IVR auto answer after; Give mobile phone the fsk signal that comprises transaction data after the modulation through the handset audio interface at last, change the IVR Data Receiving platform that passes to far-end by mobile phone again.
The whole POS of above-mentioned the utility model device swipes the card in the process of exchange, the prompt tone that signal prompt module 109 is sent through internal loudspeaker, and LCD display comes explicit user to swipe the card and on mobile phone, imports transaction related information.
In addition, because user's mobile phone has two functions as the part of the utility model payment mechanism operation carrier in the application of the utility model device:
1. a voice communication passage is provided; All Activity element and data are after handling and encrypting; Be modulated on the sound signal with FSK or other mode; Final insert mobile phone, be transferred to long-range receiving end and receive control information that far-end beams back and be transferred to card reader through audio port through voice channel through COBBAIF.
2. when needing the input Transaction Information in the process of exchange, the user utilizes the keyboard of mobile phone to import, and these users' input meeting is transferred to card reader through keypad tone at COBBAIF on the mobile phone, discerns.All above-mentioned these functions of the mobile phone of mentioning all are the basic functions that mobile phone itself just has, thus in the mobile phone without any need for extra software, any mobile phone is all available, and never the people proposed this usage.
Among the embodiment as shown in Figure 2,, form the swipe the card main body of payment system of whole POS, also comprise bank or third party's payment platform 400 simultaneously in conjunction with mobile phone and IVR Data Receiving platform 300 three parts by the mobile phone POS of the utility model payment mechanism 100 of swiping the card.In this system; Mobile phone is the used any mobile phone of user oneself; The voice channel of a communication usefulness only is provided for application through simple COBBAIF; Accomplish card reader to the transmission of remote I VR data in server, payment mechanism and IVR Data Receiving platform are the core of total system so the utility model mobile phone POS is swiped the card.
Except the above-mentioned the utility model mobile phone POS that has detailed is swiped the card the payment mechanism; IVR Data Receiving platform end in the system can be directly to insert multi-channel optical fibre through a road single telephone wire or from telecom operators, replys one or more audio call, receives the voice data of voice channel; Demodulate real transmission data; The checking integrality is deciphered, and send user's Transaction Information to handle to corresponding bank or third party's payment platform then.
The concrete application flow of payment system is following: when the user pays the bill at needs, take out the mobile phone POS payment mechanism of swiping the card, be inserted on the COBBAIF of own mobile phone; This device is opened automatically, and playing alert tones, and the user is under the indication of prompt tone (or pilot lamp); Swipe the card; And on mobile phone, import Transaction Information, card reader inside is modulated to these Transaction Information packaging cipherings on the sound signal then; Phonetic dialing order control mobile phone dialing through mobile phone refers to IVR platform number, and the sound signal after the transmission modulation is to the IVR platform.The IVR platform is accepted audio call, demodulates enciphered data, to data deciphering, is reduced into transaction data, is transferred to bank or third party's payment platform with other specific format and carries out account transaction and handle.
More than show and described ultimate principle of the utility model and the advantage of principal character and the utility model.The technician of the industry should understand; The utility model is not restricted to the described embodiments; The principle of describing in the foregoing description and the instructions that the utility model just is described; Under the prerequisite that does not break away from the utility model spirit and scope, the utility model also has various changes and modifications, and these variations and improvement all fall in the utility model scope that requires protection.The utility model requires protection domain to be defined by appending claims and equivalent thereof.
Claims (6)
1. the POS that the is applied to mobile communication terminal payment mechanism of swiping the card is characterized in that, comprising:
One MCU processor;
One from the magnetic stripe of magnetic card recorded information or the magnetic card read module of chip collection card image;
One converts the card image of being gathered the magnetic head decoder module of transaction data to;
One receives information that the user imports and becomes data transmission to give the DTMF decoder module of MCU processor information translation through the handset audio interface on mobile phone;
Integrate once the MCU processor data, the mobile phone input data that will obtain from the transaction data and the DTMF decoder module of magnetic card collection are packed and ciphered data packing and encrypting module;
One is modulated at the modulation/demodulation modules on the sound signal with the transaction data behind the packaging ciphering;
One passes through the phonetic dialing module of the IVR Data Receiving platform phone of handset audio interface control mobile phone dialing appointment;
One is used for to DTMF decoder module transmitting cell-phone input information, and the transaction data that will be modulated into sound signal is through being transferred to mobile phone and borrowing antenna for mobile phone to send to the handset audio interface plug of IVR Data Receiving platform;
One is used in real time to the swipe the card signal prompt module of status information of user feedback;
One be used for providing power supply to device power management module.
2. according to the POS that is applied to mobile communication terminal of claim 1 payment mechanism of swiping the card, it is characterized in that said device also is provided with one and is used for security module that the safe key in data packing and the encrypting module is managed, stored and upgrades.
2, according to the POS that is applied to mobile communication terminal of claim 1 payment mechanism of swiping the card, it is characterized in that said magnetic card read module is magnetic stripe card read head, IC-card read head, contactless IC card read head.
3. according to the POS that is applied to mobile communication terminal of claim 1 payment mechanism of swiping the card, it is characterized in that said magnetic head decoder module is for through the inner software functional block of realizing of MCU processor or the decoding circuit of hardware.
4. according to the POS that is applied to mobile communication terminal of claim 1 payment mechanism of swiping the card, it is characterized in that said packing data and encrypting module adopt DES, 3DES and AES encryption method.
5. according to the POS that is applied to mobile communication terminal of claim 1 payment mechanism of swiping the card, it is characterized in that said modulation/demodulation modules adopts FSK, PSK, ASK modulation/demodulation methods.
6. according to the POS that is applied to mobile communication terminal of claim 1 payment mechanism of swiping the card, it is characterized in that said signal prompt module comprises LED light, display screen and/or loudspeaker.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011203809096U CN202268030U (en) | 2011-09-30 | 2011-09-30 | POS credit card payment apparatus applied in mobile communication terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011203809096U CN202268030U (en) | 2011-09-30 | 2011-09-30 | POS credit card payment apparatus applied in mobile communication terminal |
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| Publication Number | Publication Date |
|---|---|
| CN202268030U true CN202268030U (en) | 2012-06-06 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2011203809096U Withdrawn - After Issue CN202268030U (en) | 2011-09-30 | 2011-09-30 | POS credit card payment apparatus applied in mobile communication terminal |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102402827A (en) * | 2011-09-30 | 2012-04-04 | 重庆南天数据资讯服务有限公司 | Point-of-sale (POS) card payment device applied to mobile communication terminal |
| CN102842193A (en) * | 2012-08-31 | 2012-12-26 | 深圳盈烨创新通讯技术有限公司 | Intelligent mobile terminal with on-site payment function |
| CN102968721A (en) * | 2012-11-19 | 2013-03-13 | 交通银行股份有限公司 | Mobile phone acquiring system |
| CN103149874A (en) * | 2013-03-22 | 2013-06-12 | 福州欣联达电子科技有限公司 | Industrial control equipment with earphone communication interface and implementation method |
| 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 |
| CN105139553A (en) * | 2015-09-30 | 2015-12-09 | 上海翰鑫信息科技有限公司 | Multifunctional intelligent tablet computer |
-
2011
- 2011-09-30 CN CN2011203809096U patent/CN202268030U/en not_active Withdrawn - After Issue
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102402827A (en) * | 2011-09-30 | 2012-04-04 | 重庆南天数据资讯服务有限公司 | Point-of-sale (POS) card payment device applied to mobile communication terminal |
| CN102402827B (en) * | 2011-09-30 | 2014-12-10 | 重庆南天数据资讯服务有限公司 | Point-of-sale (POS) card payment device applied to mobile communication terminal |
| 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 |
| CN102842193A (en) * | 2012-08-31 | 2012-12-26 | 深圳盈烨创新通讯技术有限公司 | Intelligent mobile terminal with on-site payment function |
| CN102968721A (en) * | 2012-11-19 | 2013-03-13 | 交通银行股份有限公司 | Mobile phone acquiring system |
| CN103149874A (en) * | 2013-03-22 | 2013-06-12 | 福州欣联达电子科技有限公司 | Industrial control equipment with earphone communication interface and implementation method |
| CN105139553A (en) * | 2015-09-30 | 2015-12-09 | 上海翰鑫信息科技有限公司 | Multifunctional intelligent tablet computer |
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Legal Events
| Date | Code | Title | Description |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| AV01 | Patent right actively abandoned |
Granted publication date: 20120606 Effective date of abandoning: 20141210 |
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| AV01 | Patent right actively abandoned |
Granted publication date: 20120606 Effective date of abandoning: 20141210 |
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| RGAV | Abandon patent right to avoid regrant |