CN202758442U - Mobile card-swiping terminal - Google Patents
Mobile card-swiping terminal Download PDFInfo
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- CN202758442U CN202758442U CN201220431827.4U CN201220431827U CN202758442U CN 202758442 U CN202758442 U CN 202758442U CN 201220431827 U CN201220431827 U CN 201220431827U CN 202758442 U CN202758442 U CN 202758442U
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Abstract
Disclosed is a mobile card-swiping terminal, comprising a master controller, a read-write card module used for reading card information, a display screen used for displaying card transaction information, a password keyboard used for inputting the password of the card, a safety chip which stores a secret key and is used for encrypting the card information and the card password via the secret key, an audio frequency conversion module used for converting the encrypted card information and card password into audio frequency signals as well as converting the audio frequency signals received from a consumption terminal into the control instructions to be recognized by the mobile card-swiping terminal, and an audio frequency interface used for realizing the communication between the mobile card-swiping terminal and the consumption terminal, wherein the read-write card module comprises a magnetic strip card read-write unit used for reading the information of the magnetic strip card and/or an IC card read-write unit used for reading the information of the IC card. The mobile card-swiping terminal of the utility model can read band cards and IC cards and connect the mobile card-swiping terminal with the consumption terminal, thereby allowing consumers to swipe card for payment at anytime anywhere.
Description
Technical field
The utility model relates to the E-Payment technical field, particularly relates to a kind of mobile card swiping terminal.
Background technology
Along with the progress of science and technology, people's consumption means change payment, the Web bank payment etc. of swiping the card of POS machine into from means of payment such as initial cash, checks, for people provide easily consumption pattern.Current, the POS machine is generally used in the consumption occasions such as each emporium, and the POS machine has very strong advantage aspect security, and the consumer can directly pay the product of buying by the form of swiping the card.Yet when the consumer paid by swiping the card, the most important condition was can swipe the card just now on the ground that the POS machine is arranged, and this has just caused restriction to consumer's payment, can't satisfy the demand of user's convenience.
On the other hand, the universal and communication network of mobile phone is to the development of two-forty, high bandwidth, so that user's expectation can use mobile phone to carry out individual's payment easily.Yet present mobile phone can't directly read magnetic stripe card information, and will be a trouble in mobile phone with the personal account input information, for example needs to use keyboard or touch-screen manual input credit or debit card account and other related data.
In using based on the Mobile banking of mobile phone, E-Payment, ecommerce etc., mostly take the mode of mobile phone and bank card binding, do not have the function of swiping the card as required, the safety of data was also very important during these were used simultaneously, existing these modes of using many employing passwords or document certificate based on mobile phone guarantee safety, not very reliable aspect security, can not show a candle to and adopt hardware to carry out the safe of key storage.
Therefore we need a kind of card swiping terminal, and this card swiping terminal can use together with mobile phone, and the consumer can carry and can realize immediately namely easily payment.
The utility model content
The shortcoming of prior art in view of the above, the purpose of this utility model is to provide a kind of mobile card swiping terminal, is used for solving can not the swipe the card problem of payment of prior art whenever and wherever possible.
Reach for achieving the above object other relevant purposes, the utility model provides a kind of mobile card swiping terminal, comprises at least: master controller; Link to each other, be used for reading the read-write card module of card information with described master controller; Link to each other, be used for showing the display screen of card Transaction Information with described master controller; Link to each other, be used for the code keypad of input card password with described master controller; Link to each other with described master controller, have key, be used for safety chip that card information and clip pin are encrypted by key; Link to each other with described safety chip, the card information after being used for encrypting and clip pin are converted to sound signal identified and will be converted to from the sound signal that consumption terminal receives the steering order of identifying for described mobile card swiping terminal for consumption terminal audio conversion module; Earphone interface with audio conversion module and consumption terminal links to each other respectively, for the audio interface of the communication that realizes mobile card swiping terminal and consumption terminal.
Alternatively, described read-write card module comprises be used to the magnetic stripe card read-write cell that reads magnetic stripe card information and/or for the IC-card read-write cell that reads IC-card information.
Alternatively, described magnetic stripe card read-write cell comprises card-brushing groove and is arranged on the interior card read head for ID of card-brushing groove.
Alternatively, also comprise with described safety chip the NFC communication module and the antenna that links to each other with described NFC communication module that links to each other, is used for near-field communication.
Alternatively, described audio conversion module comprises D/A converter and A/D converter.
Alternatively, the size of described audio interface is 2.5mm or 3.5mm.
Alternatively, described master controller is central processor CPU or microprocessor.
Alternatively, described consumption terminal is mobile phone, panel computer, PC or PDA.
As mentioned above, a kind of mobile card swiping terminal of the present utility model has following beneficial effect:
1, mobile card swiping terminal of the present utility model can read bank card and IC-card, and mobile card swiping terminal is linked to each other with consumption terminals such as mobile phone, panel computer, PC or PDA, realize the purpose that the consumer can swipe the card and pay whenever and wherever possible, improved the convenience of consumption and payment.
2, the earphone interface of the utility model by audio interface and consumption terminal is connected, so that mobile card swiping terminal can be easy to be connected with consumption terminal, and for the Bank application in the consumption terminal, pay financial application and Taobao, the Sunings such as application, E-business applications and electronic wallet application by mails, purchase by group etc. that shopping application provides that bank card is swiped the card, the functions such as secret key safety storage, data encryption and authentication.
3, mobile card swiping terminal of the present utility model disposes password key and display screen, and be provided with safety chip to bank cipher, magnetic stripe card information etc. is carried out safety encipher, do not need by key-press input account and password in the consumption terminal, avoid consumption terminal embedded software PI virus to the risk that bank card or IC-card bring, significantly improved the bank card payment safety.
4, mobile card swiping terminal structure of the present utility model is small and exquisite, is easy to carry.
Description of drawings
Fig. 1 is shown as the structural representation of the embodiment one of a kind of mobile card swiping terminal of the present utility model.
Fig. 2 is shown as the external structure schematic diagram of mobile card swiping terminal of the present utility model.
Fig. 3 is shown as the schematic diagram of mobile card swiping terminal of the present utility model when carrying out financial transaction.
Fig. 4 is shown as the schematic diagram of mobile card swiping terminal of the present utility model when carrying out remote payment.
Fig. 5 is shown as the structural representation of the embodiment two of a kind of mobile card swiping terminal of the present utility model.
Fig. 6 is shown as the schematic diagram of mobile card swiping terminal of the present utility model when carrying out the near field payment.
The element numbers explanation
1 moves card swiping terminal
10 read-write card modules
101 magnetic stripe card read-write cells
102 IC-card read-write cells
11 master controllers
12 code keypads
13 display screens
14 safety chips
15 audio conversion modules
16 audio interface
17 NFC communication modules
18 antennas
2 consumption terminals
3 bank servers
4 users
5 supply of commodities side's servers
6 near field payment devices
Embodiment
Below by particular specific embodiment embodiment of the present utility model is described, person skilled in the art scholar can understand other advantages of the present utility model and effect easily by the disclosed content of this instructions.
Notice, the appended graphic structure that illustrates of this instructions, ratio, size etc., equal contents in order to cooperate instructions to disclose only, understand and reading for person skilled in the art scholar, be not to limit the enforceable qualifications of the utility model, therefore the technical essential meaning of tool not, the adjustment of the modification of any structure, the change of proportionate relationship or size, do not affecting under the effect that the utility model can produce and the purpose that can reach, all should still drop on the technology contents that the utility model discloses and get in the scope that can contain.Simultaneously, quote in this instructions as " on ", D score, " left side ", " right side ", " centre " reach the term of " " etc., also only for ease of understanding of narrating, but not in order to limit the enforceable scope of the utility model, the change of its relativeness or adjustment, under without essence change technology contents, when also being considered as the enforceable category of the utility model.
In using based on the Mobile banking of mobile phone, E-Payment, ecommerce etc., mostly take the mode of mobile phone and bank card binding, do not have the function of swiping the card as required, the safety of data was also very important during these were used simultaneously, existing these modes of using many employing passwords or document certificate based on mobile phone guarantee safety, not very reliable aspect security, can not show a candle to and adopt hardware to carry out the safe of key storage.Therefore we need a kind of card swiping terminal, and this card swiping terminal can use together with mobile phone, and the consumer can carry and can realize immediately namely easily payment.In view of this, the utility model provides a kind of mobile card swiping terminal, is used for solving prior art and is used for solving the problem that prior art can not be swiped the card and be paid whenever and wherever possible.Below will elaborate principle and the embodiment of a kind of mobile card swiping terminal of the present utility model, and make those skilled in the art not need creative work can understand a kind of mobile card swiping terminal of the present utility model.
The first embodiment
See also Fig. 1 to Fig. 4, the utility model provides a kind of mobile card swiping terminal, is used for the financial application that disposes or the consumption terminal 2 of doing shopping and using, and described consumption terminal 2 can be mobile phone, panel computer, PC or PDA.As shown in Figure 1, described mobile card swiping terminal 1 comprises: master controller 11, read-write card module 10, display screen 13, code keypad 12, safety chip 14, audio conversion module 15 and audio interface 16.
Described master controller 11 is central processor CPU or microprocessor.
Described read-write card module 10 links to each other with described master controller 11, is used for reading card information; Particularly, in the present embodiment, described read-write card module 10 comprises be used to the magnetic stripe card read-write cell 101 that reads magnetic stripe card information with for the IC-card read-write cell 102 that reads IC-card information.
Magnetic stripe card is take liquid magnetic material or magnetic stripe as information carrier, the liquid magnetic material is coated in (such as bankbook) on the card or the magnetic stripe of wide approximately 614mm is overlayed on card, such as common bank card.IC-card (Integrated Circuit Card, integrated circuit card), some countries and regions also claims 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, make card form, such as common charges for water and electricity pay the fees card, dinning card, medical card, attendance card etc.
The profile of IC-card is similar to magnetic stripe card, and it is that from the difference of magnetic stripe card the media of data storage are different.Magnetic stripe card is to store information by the changes of magnetic field of blocking upper magnetic stripe, and IC-card is to come storing data information by the electric erasing type programmable read only memory integrated circuit (IC) chip that embeds in the card.
Read-write card module 10 in the utility model both can read bank card, also can read IC-card.When reading bank card, owing on the general bank card magnetic stripe being arranged, when using the bank card payment, need to brush bank card, so in the utility model, described magnetic stripe card read-write cell 101 comprises card-brushing groove and the card read head for ID that is arranged in the described card-brushing groove.After described bank card was brushed in card-brushing groove, the Card Reader in the described card-brushing groove can read the card information of described bank card.Described magnetic stripe card read-write cell 101 is transferred to this card information in the master controller 11 after getting access to card information.Since the mobile card swiping terminal 1 in the utility model be connect with consumption terminal 2 after, the payment of swiping the card again, for swiping the card conveniently, described card-brushing groove should be arranged on away from the junction of described mobile card swiping terminal 1 with consumption terminal 2, and preferably is arranged on the periphery of mobile card swiping terminal 1.
Mobile card swiping terminal 1 of the present utility model is when reading IC-card, described IC-card is attached to or near the surface of described mobile card swiping terminal 1, so that the IC-card read-write cell 102 in the described mobile card swiping terminal 1 is sensed described IC-card, after described IC-card read-write cell 102 is sensed described IC-card, just can read the card information of described IC-card.After described IC-card read-write cell 102 reads the card information of IC-card, this card information can be transferred in the master controller 11.
As shown in Figure 2, be shown as the external structure schematic diagram of mobile card swiping terminal 1 of the present utility model.The utility model is in order to guarantee the payment safety of swiping the card, avoid the risk that may be intercepted and captured by the illegal software on the consumption terminal 2 or virus password that causes by consumption terminal 2 keyboards inputs password, mobile card swiping terminal 1 self-cipher keyboard 12 of the present utility model, simultaneously in order to reduce in the process of exchange of swiping the card the dependence of consumption terminal 2, mobile card swiping terminal 1 of the present utility model also carries display screen 13.
Described display screen 13 links to each other with described master controller 11, is used for showing the card Transaction Information.When using mobile card swiping terminal 1 of the present utility model, any information in the operating process can be shown to the user by display screen 13, such as information, the successful information of swiping the card, the information of password mistake and the information of Fail Transaction etc. of prompting input password.
Owing to showing that 13 link to each other with master controller 11, described display screen 13 also can be touch display screen in addition, has demonstrations, touches and send the function that instruction and replacement code keypad 12 are inputted passwords.Touch display screen forms by touching detection part and touch controller; Touch the screen front that detection part is installed in touch display screen, for detection of user touch location, be sent to touch controller after the acceptance; And the Main Function of touch controller is to detect touch display screen from the touch point to receive touch information, and converts it to contact coordinate, gives master controller 11 again, and its can receive the order that master controller 11 sends simultaneously and be carried out.
Described code keypad 12 links to each other with described master controller 11, is used for the input card password.Particularly, described code keypad 12 comprises numerical key and function key; Described numerical key comprises the 10 numeric keys that can input respectively 0 ~ 90 numeral; Described function keyboard comprises for the back spacer of the password of deletion input, is used for the acknowledgement key that cancellation is inputted the cancel key of password and is used for confirming submitting to the password of input.Described mobile card swiping terminal 1 can carry out the input of password by code keypad 12 after the brush bank card, do not need by key-press input account and password in the consumption terminal 2, avoid consumption terminal 2 embedded software PIs virus to the risk that bank card or IC-card bring, significantly improved the bank card payment safety.
Described safety chip 14 has key, has the safety certification function, and described safety chip 14 links to each other with described master controller 11, is used for card information and clip pin are carried out authenticated encryption by key.After the accounts information that obtains bank card by the read-write card module 10 of swiping the card and the password by code keypad 12 input bank cards, described master controller 11 just can receive bank card information and bank card password, simultaneously described master controller 11 can be transferred to this bank card information and bank card password in the described safety chip 14 so that bank card information and password are encrypted, and guarantees that this bank card information and password can not be stolen.
Described safety chip 14 is exactly the trusted console module, it is a device that can independently carry out key generation, encryption and decryption, inside has independently processor and storage unit, but storage key and characteristic are encrypted and Security Authentication Service for mobile card swiping terminal 1 provides.Be encrypted with safety chip 14, key is stored in the hardware, and stolen data can't be deciphered, thereby protects the data security of commercial privacy and card.And reach 2048 most in the key length kind of safety chip 14 supports, and this means and will untie the data that this safety chip 14 transfers out, must crack 2048 passwords.So the encryption through safety chip 14 has effectively guaranteed the security of card information and clip pin.Described safety chip 14 roles are equivalent to one " safety cabinet ", most important code data all is stored in the safety chip 14, safety chip 14 logical buses and master controller 11 communicate, principle according to safety chip 14, the computing of encryption and decryption is finished in safety chip 14 inside, and just the result is outputed to the upper strata, the chance of having avoided password to be cracked.Safety chip of the present utility model 14 is inner integrated multiple high-speed hardware enciphering algorithm module, encrypting step is realized by the proprietary encryption algoritic module, is made the speed of data encryption up to 25MB/s, a qualitative leap be arranged.
The algorithm that adopts key to be encrypted at safety chip 14 of the present utility model comprises symmetric cryptographic algorithm, asymmetric cryptographic algorithm and hash algorithm, supports simultaneously other cryptographic algorithms such as SM1, SM2, SM3, SM4,3DES, RSA.In addition, safety chip 14 of the present utility model adopts anti-tamper design, is equipped with unique sequence number, can prevent SEMA/DEMA, SPA/DPA, DFA and sequential attack; Safety chip 14 in the utility model can arrange multiple detecting sensor simultaneously: high pressure and low pressure sensor, frequency sensor, wave filter, pulse transducer, temperature sensor etc., has the sensor life-time test function, in case and safety chip 14 detects illegal detection, inner self-destroying function will be started, described safety chip 14 can also adopt bus encryption, has the metallic shield protective layer, detects internal data self-destruction behind the external attack.
Mobile card swiping terminal 1 inner this safety chip 14 of configuration that passes through of the present utility model, be transferred to again in the consumption terminal 2 after the card information that obtains and clip pin be encrypted, be difficult in the consumption terminal 2 crack encrypted information, thus the utility model effective guarantee the payment safety of swiping the card.
In addition, the safety chip 14 in the utility model also has the function of safety certification, for example to user's authentication.Authentication is to confirm the process of operator's identity and the solution that produces in network.All information comprise that user's identity information all represents with one group of specific data in the network world, and computing machine or mobile phone can only be identified user's digital identity, and all mandates to the user also are the mandates for the number identity.How to guarantee that with the operator that digital identity operates be exactly this digital identity lawful owner, that is to say that the physical identity that guarantees the operator is corresponding with digital identity, authentication is exactly in order to address this problem.
Can store the data relevant with user identity in the IC-card, the IC-card authentication is can be by not counterfeit by the not reproducible user identity that guarantees of IC-card hardware, yet because the data that read from IC-card are static at every turn, still be easy to be truncated to user's authentication information by technology such as internal memory scanning or network monitorings, therefore still have potential safety hazard.But when using mobile card swiping terminal 1 of the present utility model to carry out authentication, just can efficiently protect the safety of authentication information.IC-card is carried by validated user, when consumption terminal 2 needs identity verification, IC-card inserted mobile card swiping terminal 1 of the present utility model and read wherein information, by sending to consumption terminal 2 with the identity of authentication of users after 14 pairs of information encryptions of reading of safety chip.
Move card swiping terminal 1 by the above and can find out with being connected of consumption terminal 2, mobile card swiping terminal 1 of the present utility model carries out communication by sound signal and described consumption terminal 2.So in the utility model, also include audio conversion module 15, described audio conversion module 15 links to each other with described safety chip 14 with described audio interface 16 respectively, and the card information after being used for encrypting and clip pin are converted to sound signal and the sound signal that consumption terminal 2 sends is converted to the steering order that supplies described mobile card swiping terminal 1 identification.
Particularly, described audio conversion module 15 comprises D/A converter and A/D converter.Card information after described D/A converter is used for encrypting and clip pin are converted to sound signal and receive identification for consumption terminal 2, described A/D converter is used for the steering order that the sound signal that consumption terminal 2 sends is converted to for described mobile card swiping terminal 1 identification is transferred to master controller 11, mutually should steering order for described primary controller.
Described mobile card swiping terminal 1 with the concrete communication process of described consumption terminal 2 is: when described mobile card swiping terminal 1 was connected with consumption terminal 2, the earphone jack that the audio interface 16 of described mobile card swiping terminal 1 is connected with consumption terminal connected.When need to sending to described mobile card swiping terminal 1, consumption terminal 2 swipes the card, key storage, during the steering order such as data encryption and authentication, the data that need to send are at first become sound signal by the audio coding decoding program coding in the consumption terminal 2, and these sound signals are sent to the audio interface 16 of the described mobile card swiping terminal 1 that links to each other with consumption terminal 2 earphone jacks by the earphone jack of consumption terminal 2, after described mobile card swiping terminal 1 receives sound signal, carry out analog to digital conversion by the 15 pairs of sound signals of audio conversion module in the described mobile card swiping terminal 1, described mobile card swiping terminal 1 is carried out this steering order according to the steering order content after changing by other parts in the described mobile card swiping terminal 1 of master controller 11 controls in the described mobile card swiping terminal 1, in read-write card module 10, password key, safety chip 14, after this steering order was finished in audio conversion module 15 cooperations, the audio interface 16 in the described mobile card swiping terminal 1 of can being open to the custom outputed in the consumption terminal 2.When described mobile card swiping terminal 1 need to send data to consumption terminal 2, the data that send form sound signal after changing through audio conversion module 15, and the sound signal of representative data is sent to the earphone jack of the consumption terminal 2 that links to each other with this audio interface 16 by the audio interface 16 of described mobile card swiping terminal 1, after consumption terminal 2 is received sound signal, can be by some modules of consumption terminal 2 inside (such as the audio amplifier circuit in the consumption terminal 2, mould/number conversion circuit and microprocessor etc.) process the data message that transmits to obtain described mobile card swiping terminal 1.
For making those skilled in the art further understand mobile card swiping terminal 1 of the present utility model, below will be with the brush bank card, consumption terminal 2 is the use step that example describes mobile card swiping terminal 1 of the present utility model in detail for mobile phone.
When using mobile card swiping terminal 1 of the present utility model, should install in the consumption terminal 2 and dispose Bank application, pay application, E-business applications or electronic wallet application by mails and step on.State in the use each and use when needing payment, just pay by mobile card swiping terminal 1 of the present utility model.
As shown in Figure 3, be shown as the schematic diagram of mobile card swiping terminal 1 of the present utility model when carrying out financial transaction.
1, financial transaction: user 4 is by consumption terminal 2(mobile phone) enter Bank application, pay by mails and use, the financial application such as E-business applications or electronic wallet application, select relevant financial transaction, input on request relationship trading information, after confirming input, bank card by mobile card swiping terminal 1 oneself, then input bank card password (display screen 13 can show relevant prompting) at the code keypad 12 of mobile card swiping terminal 1, mobile card swiping terminal 1 can with bank card information and password by 14 encryptions of built-in safety chip after, send to financial application in the mobile phone by audio interface 16, financial application is sent to bank server 3 after with all information package and finishes corresponding transaction processing, and mobile phone is connected with bank server 3 by wireless network.According to above use procedure, mobile card swiping terminal 1 of the present utility model can also realize brushing the empty ring manipulation that bank card is supplemented with money to the stored value card in the mobile phone.
As shown in Figure 4, be shown as the schematic diagram of mobile card swiping terminal 1 of the present utility model when carrying out remote payment.
2, remote payment: user 4 is by consumption terminal 2(mobile phone) enter Taobao, Suning, the shopping such as purchasing by group uses, select dependent merchandise, after confirming purchasing demand, bank card by mobile card swiping terminal 1 brush oneself, then input bank card password (display screen 13 can show relevant prompting) at the code keypad 12 of mobile card swiping terminal 1, mobile card swiping terminal 1 can with bank card information and password by 14 encryptions of built-in safety chip after, sending to shopping by audio interface 16 uses, shopping is used and will be sent to the transaction processing that bank server 3 is finished payment after the payment information packing, and transaction results is returned to shopping use, shopping is used and is sent relevant information to supply of commodities side's server 5, finishes remote payment and processes.Mobile phone is connected with supply of commodities side's server with bank server 3 respectively by wireless network and is connected.
The second embodiment
The difference of the second embodiment and the first embodiment is, in a second embodiment, as shown in Figure 5, described mobile card swiping terminal 1 also comprises with described safety chip 14 the NFC communication module 17 and the antenna 18 that links to each other with described NFC communication module 17 that links to each other, is used for near-field communication.
Described mobile card swiping terminal 1 can be finished the near field payment by its inner NFC communication module 17.The near field payment refers to that the consumer is when buying commodity or service, IMU is crossed mobile phone and is paid to businessman, the processing of payment is carried out at the scene, and carry out under online, do not need to use the mobile network, but use the passages such as mobile phone radio frequency (NFC), infrared, bluetooth, the local communication of realization and automatic vending machine and POS machine.So-called NFC(Near Field Communication) being near field communication (NFC), is a kind of contactless identification and interconnection technique, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.NFC provides a kind of solution of simple, touch, can allow user's simple, intuitive ground exchange message, accessed content and service.NFC is a kind of short-range high frequency wireless communication technology, allows to carry out contactless Point-to-Point Data Transmission swap data between the electronic equipment.This technology is developed by contact-free formula radio-frequency (RF) identification (RFID), and backward compatible RFID, and being mainly used in provides the M2M communication of (Machine to Machine) in the handheld device such as mobile phone.Because near-field communication has natural security, therefore, the NFC technology is considered to have great application prospect in fields such as mobile-phone payments.
Fig. 6 is shown as the schematic diagram of mobile card swiping terminal 1 of the present utility model when carrying out the near field payment.
Below will be with the brush bank card, consumption terminal 2 is the use step that example describes the near field payment of mobile card swiping terminal 1 of the present utility model in detail for mobile phone.
Near field payment: the safety chip 14 of described mobile card swiping terminal 1 inside can built-in electronic purse application (PBOC stored value card or other industry applying electronic wallet), the antenna 18 that described NFC communication module 17 cooperates and link to each other with described NFC communication module 17, built-in described mobile card swiping terminal 1 is interior, can be by NFC induction and near field payment devices 6(POS machine for example) link to each other, finish the near field delivery operation.
In sum, a kind of mobile card swiping terminal of the present utility model has following beneficial effect:
1, mobile card swiping terminal of the present utility model can read bank card and IC-card, and mobile card swiping terminal is linked to each other with consumption terminals such as mobile phone, panel computer, PC or PDA, realize the purpose that the consumer can swipe the card and pay whenever and wherever possible, improved the convenience of consumption and payment.
2, the earphone interface of the utility model by audio interface and consumption terminal is connected, so that mobile card swiping terminal can be easy to be connected with consumption terminal, and for the Bank application in the consumption terminal, pay financial application and Taobao, the Sunings such as application, E-business applications and electronic wallet application by mails, purchase by group etc. that shopping application provides that bank card is swiped the card, the functions such as secret key safety storage, data encryption and authentication.
3, mobile card swiping terminal of the present utility model disposes password key and display screen, and be provided with safety chip to bank cipher, magnetic stripe card information etc. is carried out safety encipher, do not need by key-press input account and password in the consumption terminal, avoid consumption terminal embedded software PI virus to the risk that bank card or IC-card bring, significantly improved the bank card payment safety.
4, mobile card swiping terminal structure of the present utility model is small and exquisite, is easy to carry.
So the utility model has effectively overcome various shortcoming of the prior art and the tool high industrial utilization.
Above-described embodiment is illustrative principle of the present utility model and effect thereof only, but not is used for restriction the utility model.Any person skilled in the art scholar all can be under spirit of the present utility model and category, and above-described embodiment is modified or changed.Therefore, have in the technical field under such as and know that usually the knowledgeable modifies or changes not breaking away from all equivalences of finishing under spirit that the utility model discloses and the technological thought, must be contained by claim of the present utility model.
Claims (8)
1. a mobile card swiping terminal is characterized in that, comprises at least:
Master controller;
Link to each other, be used for reading the read-write card module of card information with described master controller;
Link to each other, be used for showing the display screen of card Transaction Information with described master controller;
Link to each other, be used for the code keypad of input card password with described master controller;
Link to each other with described master controller, have key, be used for safety chip that card information and clip pin are encrypted by key;
Link to each other with described safety chip, the card information after being used for encrypting and clip pin are converted to sound signal identified and will be converted to from the sound signal that consumption terminal receives the steering order of identifying for described mobile card swiping terminal for consumption terminal audio conversion module;
Earphone interface with audio conversion module and consumption terminal links to each other respectively, for the audio interface of the communication that realizes mobile card swiping terminal and consumption terminal.
2. mobile card swiping terminal according to claim 1 is characterized in that, described read-write card module comprises be used to the magnetic stripe card read-write cell that reads magnetic stripe card information and/or for the IC-card read-write cell that reads IC-card information.
3. mobile card swiping terminal according to claim 2 is characterized in that, described magnetic stripe card read-write cell comprises card-brushing groove and is arranged on the interior card read head for ID of card-brushing groove.
4. mobile card swiping terminal according to claim 1 is characterized in that, also comprises with described safety chip the NFC communication module and the antenna that links to each other with described NFC communication module that link to each other, be used for near-field communication.
5. mobile card swiping terminal according to claim 1 is characterized in that, described audio conversion module comprises D/A converter and A/D converter.
6. mobile card swiping terminal according to claim 1 is characterized in that, the size of described audio interface is 2.5mm or 3.5mm.
7. mobile card swiping terminal according to claim 1 is characterized in that, described master controller is central processor CPU or microprocessor.
8. mobile card swiping terminal according to claim 1 is characterized in that, described consumption terminal is mobile phone, panel computer, PC or PDA.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201220431827.4U CN202758442U (en) | 2012-08-28 | 2012-08-28 | Mobile card-swiping terminal |
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| CN201220431827.4U CN202758442U (en) | 2012-08-28 | 2012-08-28 | Mobile card-swiping terminal |
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| CN202758442U true CN202758442U (en) | 2013-02-27 |
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Cited By (13)
| 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 |
| CN103440443A (en) * | 2013-09-04 | 2013-12-11 | 上海辰锐信息科技公司 | Mobile police terminal |
| CN103489263A (en) * | 2013-09-03 | 2014-01-01 | 深圳钱盒信息技术有限公司 | Real-time interaction method, password keyboard swiping card device and mobile terminal |
| CN103618842A (en) * | 2013-12-02 | 2014-03-05 | 南京理工大学连云港研究院 | Multifunctional smart phone system capable of recording magnetic track |
| CN103729949A (en) * | 2014-01-17 | 2014-04-16 | 成都理工大学 | Novel portable mobile transaction device |
| CN103854041A (en) * | 2014-02-28 | 2014-06-11 | 青岛英飞凌电子技术有限公司 | Near-field wireless communication card reading and writing device |
| CN103984911A (en) * | 2014-05-05 | 2014-08-13 | 福建联迪商用设备有限公司 | Password keyboard, payment system and payment method thereof |
| CN104112105A (en) * | 2013-04-19 | 2014-10-22 | 王基旆 | Method for inputting account number and password to computer or communication device by using audio interface |
| CN104579436A (en) * | 2013-10-15 | 2015-04-29 | 张杨 | Dynamic payment device |
| CN104574061A (en) * | 2015-01-16 | 2015-04-29 | 卢晓平 | Mobile payment function 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 |
| CN106204916A (en) * | 2015-04-30 | 2016-12-07 | 日立金融设备系统（深圳）有限公司 | Bank card reading device and bank card read method |
| CN103747001B (en) * | 2014-01-14 | 2017-02-01 | 中电长城(长沙)信息技术有限公司 | Audio-access mobile payment communication method based on security algorithm |
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2012
- 2012-08-28 CN CN201220431827.4U patent/CN202758442U/en not_active Expired - Lifetime
Cited By (14)
| 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 |
| CN104112105A (en) * | 2013-04-19 | 2014-10-22 | 王基旆 | Method for inputting account number and password to computer or communication device by using audio interface |
| CN103489263A (en) * | 2013-09-03 | 2014-01-01 | 深圳钱盒信息技术有限公司 | Real-time interaction method, password keyboard swiping card device and mobile terminal |
| CN103440443A (en) * | 2013-09-04 | 2013-12-11 | 上海辰锐信息科技公司 | Mobile police terminal |
| CN104579436A (en) * | 2013-10-15 | 2015-04-29 | 张杨 | Dynamic payment device |
| CN103618842A (en) * | 2013-12-02 | 2014-03-05 | 南京理工大学连云港研究院 | Multifunctional smart phone system capable of recording magnetic track |
| CN103747001B (en) * | 2014-01-14 | 2017-02-01 | 中电长城(长沙)信息技术有限公司 | Audio-access mobile payment communication method based on security algorithm |
| CN103729949A (en) * | 2014-01-17 | 2014-04-16 | 成都理工大学 | Novel portable mobile transaction device |
| CN103854041A (en) * | 2014-02-28 | 2014-06-11 | 青岛英飞凌电子技术有限公司 | Near-field wireless communication card reading and writing device |
| CN103984911A (en) * | 2014-05-05 | 2014-08-13 | 福建联迪商用设备有限公司 | Password keyboard, payment system and payment method thereof |
| CN103984911B (en) * | 2014-05-05 | 2016-08-17 | 福建联迪商用设备有限公司 | Code keypad, payment system and method for payment thereof |
| CN104574061A (en) * | 2015-01-16 | 2015-04-29 | 卢晓平 | Mobile payment function terminal |
| CN106204916A (en) * | 2015-04-30 | 2016-12-07 | 日立金融设备系统（深圳）有限公司 | Bank card reading device and bank card read 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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