CN202904766U - Mobile card swiping unit and mobile payment system - Google Patents
Mobile card swiping unit and mobile payment system Download PDFInfo
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- CN202904766U CN202904766U CN201220442158.0U CN201220442158U CN202904766U CN 202904766 U CN202904766 U CN 202904766U CN 201220442158 U CN201220442158 U CN 201220442158U CN 202904766 U CN202904766 U CN 202904766U
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- Prior art keywords
- mobile
- portable terminal
- card reader
- card
- encryption chip
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Abstract
The utility model provides a mobile card swiping unit and a mobile payment system. The mobile card swiping unit comprises a card swiping slot, a password keyboard, a data encryption chip and a connecting interface of a mobile terminal, wherein the data encryption chip encrypts bank card information collected by the card swiping slot and transaction password received by the password keyboard and sends the bank card information collected by the card swiping slot and transaction password received by the password keyboard to the mobile terminal through the connecting interface of the mobile terminal. In the technical scheme, as a hardware encryption chip and the password keyboard are arranged on the mobile card swiping unit, the bank card information and transaction password are transmitted to the mobile terminal only after being encrypted and then are transmitted to a payment background through a mobile Internet to decrypt, and after verification, payment is carried out, and thus the safety of transaction information is better guaranteed.
Description
Technical field
The utility model relates to the remote payment technology field of movement-based internet, particularly relates to a kind of mobile card reader, and, a kind of mobile-payment system.
Background technology
Mobile payment service is that a kind of user only needs at mobile phone or panel computer client-side program to be installed, and the earphone jack of mobile card reader insertion mobile phone or panel computer can be finished by swiping the card the service of a series of delivery operations.After being released by U.S. Square mobile payment company in 2010, Square mobile phone card-brushing payment mode starts the overbearing tide of mobile payment in the U.S., data according to authoritative institution's issue, by the end of the end of the year 2011, Square has had and has surpassed 1,000,000 businessman, and every day, trading volume surpassed 1,100 ten thousand U.S. dollars.
Square Dangle card reader is a kind of revolutionary external terminal device that Square mobile payment company releases, and with audio interface and the card-brushing groove of a standard, its outward appearance is small and exquisite, is slightly larger than one piece of monobasic coin.Square Dangle card reader links to each other with mobile device, and the application program in mobile device consists of a wireless POS machine, realizes mobile payment service.At present, the portable terminal of Square Dangle support comprises iPhone mobile phone, iPad panel computer, Android mobile phone and Android panel computer etc.
Below, the explanation mobile payment service transaction flow as an example of Square Dangle card reader example:
1, the consumer is in the Square Dangle operation (swiping the card similar with conventional P OS machine) of swiping the card;
2, after Square Dangle receives card information, convert thereof into audio-frequency information, and send mobile terminal device to by standard 3.5mm audio interface;
3, the Square application program that is installed on the portable terminal converts the audio-frequency information that Square Dangle sends to numerical information, encrypted message with the user takes at portable terminal is sent to the Square background service system by mobile communications network or wlan network;
4, the Square background service system by and each hair fastener tissue between interface, information is sent to the hair fastener tissue, and authenticates;
5, after authentication is passed through, the Square background service system will go to from the fund that hair fastener tissue clearance is come the Square account of trade company;
6, in 12～36 hours after transaction is finished, the Square background service system goes to the fund in the Square account of trade company in the bank account of trade company's binding.
But above-mentioned mobile-payment system and application model have determined the Square mobile payment service and have had following major defect: at first, the rear bank card magnetic track information of swiping the card does not directly send the mobile phone terminal application program to through encrypting, secondly, encrypted message need to be inputted at portable terminal according to the prompting of application program, thereby exists the wooden horse that is present on the portable terminal to steal the potential safety hazard of the confidential information such as card number, password.In addition, because Square Dangle card reader is only supported the 3.5mm audio interface, need at card reader and portable terminal D/A converter module and analog-to-digital conversion module to be set respectively, not only increased system complexity and cost, also affected to a certain extent the performance of system.
The utility model content
Technical problem to be solved in the utility model provides a kind of mobile card reader, and a kind of mobile-payment system can solve the security hidden trouble that the confidential information such as user bank card number and password may be stolen in the existing mobile payment service system.
In order to address the above problem, the utility model discloses a kind of mobile card reader, comprise card-brushing groove, code keypad, data encryption chip and portable terminal connecting interface, wherein, after the trading password that the bank card information that described data encryption chip gathers described card-brushing groove and described code keypad receive is encrypted, be sent on the portable terminal by described portable terminal connecting interface.
Preferably, also comprise LCD display, be used for the sequence information that shows that described portable terminal receives.
Preferably, described mobile terminal interface is USB interface or 3.5mm audio interface.
Preferably, described data encryption chip adopts RSA Algorithm that described bank card information and trading password are encrypted.
According to another preferred embodiment of the present utility model, a kind of mobile-payment system is also disclosed, comprise mobile card reader, portable terminal and background service system, described mobile card reader comprises card-brushing groove, portable terminal connecting interface, code keypad and data encryption chip, wherein: the data encryption chip of described mobile card reader is encrypted the rear enciphered data that generates with the bank card information of described card-brushing groove collection and the trading password of described code keypad reception, is sent on the portable terminal by described portable terminal connecting interface; Described portable terminal is sent to described background service system by mobile Internet with sequence information and the described enciphered data that the user inputs; Described background service system carries out verification to the sequence information that receives, and enciphered data is decrypted, authenticates, and the transaction results after transaction finished is back to described portable terminal.
Preferably, described portable terminal is provided with the user interface that receives user's sequence information.
Preferably, described mobile card reader also comprises be used to the LCD display that shows the sequence information that described portable terminal receives.
Compared with prior art, the utlity model has following advantage:
In the utility model preferred embodiment, owing to being provided with hardware encryption chip and code keypad at mobile card reader, bank card information and trading password just are transferred to portable terminal after encrypting, and then by mobile Internet be transferred to payment backstage deciphering, checking by after carry out payment processes, guaranteed preferably the security of Transaction Information.
The code keypad of mobile card reader setting can make the user input trading password at mobile card reader, when in the mobile payment transaction process, using the portable terminal of trade company, can solve the trading password leakage problem of prior art because needing the user to cause at portable terminal input password.
In addition, the utility model is except supporting the 3.5mm audio interface, also support USB interface, can solve prior art and at card reader and portable terminal the system complexity that D/A converter module and analog-to-digital conversion module cause and the problem that cost is higher, system performance is low are set respectively because of needs.
Description of drawings
Fig. 1 is the structural representation that the utility model moves card reader the first embodiment;
Fig. 2 is the structural representation that the utility model moves card reader the second embodiment;
Fig. 3 is the structural representation of the utility model mobile-payment system one embodiment;
Fig. 4 is the process flow diagram of the utility model method of mobile payment one embodiment.
Embodiment
For above-mentioned purpose of the present utility model, feature and advantage can be become apparent more, below in conjunction with the drawings and specific embodiments the utility model is described in further detail.
With reference to Fig. 1, show the structural representation that the utility model moves card reader the first embodiment, in this preferred embodiment, mobile card reader 1 specifically comprises:
Card-brushing groove 11: be used for gathering bank card information;
Code keypad 12: the payment cipher information that is used for receiving user's input;
Data encryption chip 13: be used for the bank card information of card-brushing groove 11 collections and the payment cipher of code keypad 12 receptions are encrypted rear generating cipher data;
In this preferred embodiment, data encryption chip 13 adopts RSA Algorithm that bank card information and trading password are encrypted.
LCD display 15: be used for showing the user in the information such as the order amount of money of portable terminal 2 inputs, and implicit expression echo user is by the payment cipher of code keypad 12 inputs;
Usb 1 4-1: be used for setting up being connected of mobile card reader 1 and portable terminal 2.
Its workflow is: the user is sent on the LCD display 15 by usb 1 4-1 and shows after portable terminal 2 input sequence informations; Prompting user is swiped the card by card-brushing groove 11 and is passed through code keypad 12 input trading passwords, after the trading password that the bank card information that data encryption chip 13 gathers card-brushing groove 11 and code keypad 12 receive is encrypted, be sent on the portable terminal 2 by usb 1 4-1.
With reference to Fig. 2, show the structural representation that the utility model moves card reader the second embodiment, except the included card-brushing groove 11 of above-mentioned the first embodiment, code keypad 12, outside data encryption chip 13 and the LCD display 15, also comprise Date Conversion Unit 16 and be used to set up the 3.5mm audio interface 14-2 that mobile card reader 1 is connected with portable terminal 2, wherein, the enciphered data that data encryption chip 13 is encrypted generation needed by Date Conversion Unit 16 digital signal " enciphered data " is converted to sound signal first before being sent to portable terminal 2 by 3.5mm audio interface 14-2.
With reference to Fig. 3, show the structural representation of the utility model mobile-payment system one embodiment, comprise mobile card reader 1, portable terminal 2 and background service system 3, wherein:
Mobile card reader 1 specifically comprises: the card-brushing groove 11 that is used for gathering bank card information; The code keypad 12 that is used for the payment cipher information of reception user input; Be used for the bank card information of card-brushing groove 11 collections and the payment cipher of code keypad 12 receptions are encrypted the data encryption chip 13 of rear generating cipher data; Be used for showing the user in the information such as the order amount of money of portable terminal 2 inputs, and implicit expression echo user is by the LCD display 15 of the payment cipher of code keypad 12 inputs; Be used for setting up the usb 1 4-1 that is connected between mobile card reader 1 and the portable terminal 2.
Need to prove, when the portable terminal connecting interface that comprises when mobile card reader 1 is the 3.5mm audio interface, should comprise also in the portable terminal 2 that the analog signal conversion that sends for the mobile card reader 1 that will receive is the AD conversion unit of digital signal, the digital signal that sends to mobile card reader 1 is converted to the D/A conversion unit of simulating signal.
In this preferred embodiment, portable terminal can be various smart mobile phones and panel computer, such as iPhone mobile phone, Android mobile phone, iPad panel computer etc.
Need to prove, said apparatus embodiment belongs to preferred embodiment, and related unit and module might not be that the utility model is necessary.
With reference to Fig. 4, show the flow process of the utility model method of mobile payment one embodiment, specifically may further comprise the steps:
Step S401: the user is by the information such as the user interface 21 input order amount of money of portable terminal 2;
Step S402: mobile card reader 1 gathers the bank card information and the trading password that receive with it and encrypts the rear enciphered data that generates;
Step S403: mobile card reader 1 is sent to above-mentioned enciphered data on the portable terminal 2 by the portable terminal connecting interface;
Step S404: portable terminal 2 is sent to the above order information and enciphered data on the front server 31 of background service system 3 by mobile Internet;
Step S405: 31 pairs of the above order information of front server are carried out verification, and after enciphered data was decrypted, the group bag was sent to backstage transaction processing system 32;
Step S406: the transaction results after backstage transaction processing system 32 is finished transaction is back to portable terminal 2 by front server 31.
In the further preferred embodiment of the present embodiment, comprise the steps: also that after step S401 portable terminal 2 is passed to mobile card reader 1 with the sequence information that user interface 21 receives, and show by the LCD display 15 of mobile card reader 1.
For aforesaid each embodiment of the method, simple in order to describe, therefore it all is expressed as a series of combination of actions, but those skilled in the art should know, the utility model is not subjected to the restriction of described sequence of movement, because according to the utility model, some step can adopt other orders or carry out simultaneously; Secondly, those skilled in the art also should know, said method embodiment all belongs to preferred embodiment, and related action and module might not be that the utility model is necessary.
Each embodiment in this instructions all adopts the mode of going forward one by one to describe, and what each embodiment stressed is and the difference of other embodiment that identical similar part is mutually referring to getting final product between each embodiment.
Above to a kind of mobile card reader provided by the utility model, and, a kind of mobile-payment system and method are described in detail, use specific case herein principle of the present utility model and embodiment are set forth, the explanation of above embodiment just is used for helping to understand the utility model core concept; For one of ordinary skill in the art, according to thought of the present utility model, all will change in specific embodiments and applications, in sum, this description should not be construed as restriction of the present utility model.
Claims (7)
1. a mobile card reader comprises card-brushing groove and portable terminal connecting interface, it is characterized in that, described mobile card reader also comprises code keypad and data encryption chip, wherein:
After the trading password that the bank card information that described data encryption chip gathers described card-brushing groove and described code keypad receive is encrypted, be sent on the portable terminal by described portable terminal connecting interface.
2. mobile card reader as claimed in claim 1 is characterized in that, also comprises LCD display, is used for the sequence information that shows that described portable terminal receives.
3. mobile card reader as claimed in claim 1 is characterized in that, described mobile terminal interface is USB interface or 3.5mm audio interface.
4. mobile card reader as claimed in claim 1 is characterized in that, described data encryption chip adopts RSA Algorithm that described bank card information and trading password are encrypted.
5. a mobile-payment system comprises mobile card reader, portable terminal and background service system, it is characterized in that, described mobile card reader comprises card-brushing groove, portable terminal connecting interface, code keypad and data encryption chip, wherein:
The data encryption chip of described mobile card reader is encrypted the rear enciphered data that generates with the bank card information of described card-brushing groove collection and the trading password of described code keypad reception, is sent on the portable terminal by described portable terminal connecting interface;
Described portable terminal is sent to described background service system by mobile Internet with sequence information and the described enciphered data that the user inputs;
Described background service system carries out verification to the sequence information that receives, and enciphered data is decrypted, authenticates, and the transaction results after transaction finished is back to described portable terminal.
6. mobile-payment system as claimed in claim 5 is characterized in that, described portable terminal is provided with the user interface that receives user's sequence information.
7. mobile-payment system as claimed in claim 5 is characterized in that, described mobile card reader also comprises be used to the LCD display that shows the sequence information that described portable terminal receives.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201220442158.0U CN202904766U (en) | 2012-08-31 | 2012-08-31 | Mobile card swiping unit and mobile payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201220442158.0U CN202904766U (en) | 2012-08-31 | 2012-08-31 | Mobile card swiping unit and mobile payment system |
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| Publication Number | Publication Date |
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| CN202904766U true CN202904766U (en) | 2013-04-24 |
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| CN201220442158.0U Expired - Lifetime CN202904766U (en) | 2012-08-31 | 2012-08-31 | Mobile card swiping unit and mobile payment system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102831738A (en) * | 2012-08-31 | 2012-12-19 | 汇付天下有限公司 | Mobile card swiping unit, mobile payment system and method |
| CN103619015A (en) * | 2013-12-06 | 2014-03-05 | 孙江宁 | Method, device and system for using mobile terminal to carry out information verification |
| CN104077686A (en) * | 2014-07-09 | 2014-10-01 | 辽宁嘉联科技有限公司 | Device and method for safety processing and storage of mobile payment transaction data |
-
2012
- 2012-08-31 CN CN201220442158.0U patent/CN202904766U/en not_active Expired - Lifetime
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102831738A (en) * | 2012-08-31 | 2012-12-19 | 汇付天下有限公司 | Mobile card swiping unit, mobile payment system and method |
| CN103619015A (en) * | 2013-12-06 | 2014-03-05 | 孙江宁 | Method, device and system for using mobile terminal to carry out information verification |
| CN104077686A (en) * | 2014-07-09 | 2014-10-01 | 辽宁嘉联科技有限公司 | Device and method for safety processing and storage of mobile payment transaction data |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CX01 | Expiry of patent term |
Granted publication date: 20130424 |
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| CX01 | Expiry of patent term |