CN203490736U - Portable payment device - Google Patents
Portable payment device Download PDFInfo
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- CN203490736U CN203490736U CN201320274148.5U CN201320274148U CN203490736U CN 203490736 U CN203490736 U CN 203490736U CN 201320274148 U CN201320274148 U CN 201320274148U CN 203490736 U CN203490736 U CN 203490736U
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- module
- payment mechanism
- payment
- communication module
- financial
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/0013—Methods or arrangements for sensing record carriers, e.g. for reading patterns by galvanic contacts, e.g. card connectors for ISO-7816 compliant smart cards or memory cards, e.g. SD card readers
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- Artificial Intelligence (AREA)
- Computer Vision & Pattern Recognition (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The utility model provides a portable payment device, integrated with a financial IC card module and an online trading module, and a USB communication module with a USB interface and/or an audio frequency communication module with an audio interface. The financial IC card module, the USB communication module, and the audio frequency communication module are respectively coupled with the online trading module in a communication manner.
Description
Technical field
The utility model relates to financial payment technical field, and relates more specifically to a kind of portable payment device.
Background technology
Nowadays, have the integrated circuit card of finance trade function, financial IC card appears in people's life more and more.Such financial IC card is issued by commercial bank or payment mechanism, adopt integrated circuit technique, there is all or part of financial functions such as consumer credit, the transfer and settlement of accounts, cash-access, and can there is other commerce services and social management function, become the important means of payment in people's life at present.
Generally, IC-card must carry out business operation by professional card reader or such as the equipment of ATM or POS machine, and this application scenario for IC-card has certain limitation.In order to promote expansion and the application of large-scale market of financial IC card business, banking institution is developing the various channels of accepting energetically, constantly releases how wieldy terminal, communication faster and the disposal environment of concluding the business more flexibly.At present, in order to meet the payment demand of user under internet, mobile network environment, also engendered on the market the internet payment terminal as the card reader of audio interface or USB interface.The appearance of this series products, has reduced the dependence of holder to professional equipment and service network, has facilitated user.
Yet the state in card machine separation still of the means of payment as financial IC card, need to carry out operation sheet such as card reader, independent middle device at present, user's use cost is increased and operation ease poor.
Utility model content
For addressing the above problem, the utility model provides a kind of portable payment device, this portable payment device is integrated with financial IC card module and on-line transaction module, and is integrated with the usb communication module of USB interface and/or with the voice communication module of audio interface plug-in unit; Wherein said financial IC card module, usb communication module and described voice communication module couple with described on-line transaction module respectively.
According to embodiment more of the present utility model, described payment mechanism is also integrated with Anneta module, and described financial IC card module and described Anneta module couple.
According to embodiment more of the present utility model, described financial IC card module couples by ISO7816 interface and on-line transaction module.
According to embodiment more of the present utility model, described payment mechanism also comprises that wherein said security module and described on-line transaction module couple for set up the security module of escape way at process of exchange.
According to embodiment more of the present utility model, described payment mechanism is also integrated with bluetooth communication, and described bluetooth communication and described on-line transaction module couple.
According to embodiment more of the present utility model, described audio interface plug-in unit is standard 3.5mm 4 core headset plugs.
According to embodiment more of the present utility model, described audio interface plug-in unit is constructed to folding audio interface plug-in unit.
According to embodiment more of the present utility model, described payment mechanism also comprises the anti-abduction button of transaction.
According to embodiment more of the present utility model, described payment mechanism is also integrated with the pilot lamp for pointing out transaction normally to carry out.
According to embodiment more of the present utility model, described payment mechanism is also included in the power module that power supply is provided while using described voice communication module.
According to embodiment more of the present utility model, described payment mechanism is constructed to box like structure.
Embodiment of the present utility model provides the portable payment product of a kind of USB of having and/or voice communication function, solved the problem of the card machine separation of the current means of payment such as financial IC card, the mobile payment device that makes to be held by user possesses directly from PC or mobile communication terminal accesses network to carry out the ability of on-line transaction, and need to be by outside card reader, for user provides convenience.
Accompanying drawing explanation
Foregoing and other target of the present utility model, feature and advantage will be according to being apparent to the more specific description of embodiment of the present utility model below, and these embodiment are illustrated in the accompanying drawings.
Fig. 1 schematically shows according to the structural drawing of the portable payment device of an embodiment of the present utility model.
Fig. 2 a-2c schematically shows according to the stereographic map of the portable payment device of an embodiment of the present utility model.
Fig. 3 schematically shows according to the application scenarios of the portable payment device of an embodiment of the present utility model.
Embodiment
Below in conjunction with the drawings and specific embodiments, further describe the utility model.It should be noted that, each structure in accompanying drawing just schematically illustrates, and with so that those of ordinary skills understand principle of the present utility model best, it is not necessarily drawn in proportion.
Fig. 1 schematically shows according to the structural drawing of the portable payment device of an embodiment of the present utility model.Portable payment device 100 basically can integrated financial IC card module and on-line transaction module, and further integrated belt USB interface usb communication module or with the voice communication module of audio interface plug-in unit or simultaneously integrated belt USB interface usb communication module and with the voice communication module of audio interface plug-in unit the two.
Financial IC card module can for example be implemented as financial IC chip.According to an embodiment of the present utility model, this financial IC card module can be constructed to meet the PBOC of the People's Bank standard.On the one hand, this module can couple by ISO7816 interface and on-line transaction module, to conclude the business under contact mode; On the other hand, in the situation that payment mechanism 100 is integrated with Anneta module, this module can also couple with Anneta module, to work under noncontact mode, near field, concludes the business.And do not need existing non-contact card read-write equipment to transform.
On-line transaction module is used to carry out information interaction and data processing between financial IC card module, usb communication module and voice communication module, and it can realize for example function of reader device substantially.
Usb communication modular belt USB interface, it is based on USB standard implementation and meet USB CCID(Chip/Smart Card Interface Devices: chip intelligent card interface equipment) agreement, payment mechanism 100 can be directly connected to can be by the same treatment facility with usb communication module, such as personal computer, mobile communication terminal device etc.Application program on these treatment facilities can be carried out by PC/SC DLL (dynamic link library) and according to CCID agreement and payment mechanism alternately.Payment mechanism 100 possesses thus by PC or mobile communication equipment directly accesses to carry out the ability of on-line transaction.
Voice communication modular belt audio interface plug-in unit, and can comprise corresponding hardware compression unit, for simulated audio signal is carried out to modulation /demodulation.Audio interface plug-in unit can be for example standard 3.5mm 4 core headset plugs, mates with the audio interface of equipment such as personal computer, mobile communication terminal, and audio analog signals can be transmitted between payment mechanism 100 and treatment facility.Further, can on audio analog signals, carry out the two-way modulation /demodulation of digital signal, for example, by the API for voice communication, realize the encapsulation to delivery operation instruction.Payment mechanism 100 has possessed thus by PC or mobile communication equipment directly accesses to carry out the ability of on-line transaction.For the size of payment mechanism is easy to carry, according to embodiment more of the present utility model, audio interface plug-in unit can be constructed to folding.
Preferably, voice communication module can also be configured to define standards with two kinds of 3.5mm earphone cord orders that adapt to existence at present by automatic discrimination, wherein a kind of line order from plug end start according to L (L channel), R (R channel), MIC (microphone), GND () arrange, another kind of line order press L (L channel), R (R channel), GND (), MIC (microphone) arrangement.
In the situation that payment mechanism 100 comprises Anneta module, usb communication module and this three of voice communication module simultaneously, payment mechanism 100 can be concluded the business under non-contact card, USB access and three kinds of patterns of audio frequency access, and it can be constructed to be operated in wherein under a kind of pattern, which kind of pattern is the priority of mode of operation depend under first connects with treatment facility.Under non-contact card pattern, payment mechanism 100 does not need to access any equipment, and only by non-contact interface, as the contactless financial IC card of routine, concludes the business.Under USB access module, payment mechanism 100 can access the USB interface for the treatment of facility, now can only carry out the on-line transaction on line.Under audio frequency access mould, the audio interface of payment mechanism 100 access treatment facilities, can only carry out the on-line transaction on line equally.
Alternatively, payment mechanism 100 can also be integrated with other communication modules, such as bluetooth communication, WiFi communication module, ethernet communication module etc., such communication module and the coupling of on-line transaction module, payment mechanism 100 can be communicated by letter with access device more neatly, thereby carry out on-line transaction.
Alternatively, in order to guarantee the security of transaction, payment mechanism 100 can also be integrated with security module, and it is used to set up escape way in process of exchange.This security module can couple to carry out information interaction with on-line transaction module.In the situation that payment mechanism 100 is for example integrated with WiFi communication module, this security module can be used to solve the problem of safety certification and safety data transmission in remote transaction.
Alternatively, in order to improve the completeness of transaction, payment mechanism 100 can also be integrated with the anti-abduction button of transaction, for carry out anti-abduction processing at process of exchange.According to embodiment more of the present utility model, in the situation that user carries out on-line transaction by transaction system 100, first user generally inputs online PIN code on access device, access device and then online PIN code plain text encryption is produced PIN ciphertext and this PIN ciphertext is sent back to payment mechanism.Now, access device can touch the anti-abduction button of transaction on payment mechanism by corresponding display interface prompting user, to guarantee that holder confirms transaction in the situation that in the know.If user does not touch this button at the appointed time, finish this transaction; Otherwise continue and complete transaction.
Further alternatively, all right integrated power supply module of payment mechanism 100, it is used to power supply is provided and carry out power management when using voice communication module.In certain embodiments, this power module can comprise the button cell for powering.
Fig. 2 a-2c schematically shows according to the stereographic map of the portable payment device of an embodiment of the present utility model.In embodiment more of the present utility model, payment mechanism can be constructed to box like structure.Fig. 2 a shows moulded according to the payment mechanism of this embodiment, and wherein audio interface plug-in unit is arranged on the side of payment mechanism main body, and is folding.The state that audio interface plug-in unit is opened has been shown in Fig. 2 b.
Fig. 2 c shows the decomposition structure of this payment mechanism, and wherein 1 is payment mechanism upper casing; 2 is the lower casing of payment mechanism; 3 is audio interface plug-in unit; 4 is the circuit board of payment mechanism inside, can be on this circuit board integrated security module, financial IC card module, on-line transaction module, usb communication module, voice communication module and power module; 5 is button cell; 6 is pilot lamp; 7 is trade prevention abduction touch controlled key; 8 is USB interface.
Those skilled in the art will appreciate that the payment mechanism structure shown in Fig. 2 a-2c is only schematically, and nonrestrictive.Generally speaking, may be implemented as on overall dimensions small and exquisite portablely according to the payment mechanism of the utility model embodiment, its profile and volume preferably can mate with mobile terminals such as mobile phones.
Fig. 3 schematically shows according to the application scenarios of the portable payment device 300 of an embodiment of the present utility model.In traditional scheme, such as the means of payment of financial IC card, need to carry out operation sheet by for example card reader of internet payment terminal, the application-dependent of this means of payment is in intermediate treatment facility.According to embodiment of the present utility model, payment mechanism 300 can complete transaction by direct connection access treatment facility, for example personal computer or smart mobile phone, no longer rely on the intermediate treatment facility as card reader, greatly improve the convenience of operation, be particularly useful for relatively concentrating the user who uses an account.
It should be noted that above embodiment is only in order to the technical solution of the utility model to be described but not be limited.Although the utility model is had been described in detail with reference to above-mentioned embodiment; those of ordinary skill in the art is to be understood that; still can modify or part technical characterictic is equal to and replaces and do not depart from essence of the present utility model embodiment of the present utility model, it be all encompassed in the scope that the utility model asks for protection.
Claims (10)
1. a portable payment device, is characterized in that, it is integrated with financial IC card module and on-line transaction module, and is integrated with the usb communication module of USB interface and/or with the voice communication module of audio interface plug-in unit;
Wherein said financial IC card module, usb communication module and described voice communication module couple with described on-line transaction module respectively.
2. portable payment device as claimed in claim 1, is characterized in that, described payment mechanism is also integrated with Anneta module, and described financial IC card module and described Anneta module couple.
3. portable payment device as claimed in claim 1, is characterized in that, described financial IC card module couples by ISO7816 interface and on-line transaction module.
4. portable payment device as claimed in claim 1, it is characterized in that, described payment mechanism is also integrated with one or more in bluetooth communication, WiFi communication module and ethernet communication module, and described one or more communication modules and described on-line transaction module couple.
5. payment mechanism as claimed in claim 1, is characterized in that, described audio interface plug-in unit is standard 3.5mm 4 core headset plugs.
6. payment mechanism as claimed in claim 1, is characterized in that, described audio interface plug-in unit is constructed to folding audio interface plug-in unit.
7. payment mechanism as claimed in claim 1, is characterized in that, described payment mechanism also comprises the anti-abduction button of transaction.
8. payment mechanism as claimed in claim 1, is characterized in that, described payment mechanism is also integrated with the pilot lamp for pointing out transaction normally to carry out.
9. payment mechanism as claimed in claim 1, is characterized in that, described payment mechanism is also included in the power module that power supply is provided while using described voice communication module.
10. payment mechanism as claimed in claim 1, is characterized in that, described payment mechanism is constructed to box like structure.
Priority Applications (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201320274148.5U CN203490736U (en) | 2013-05-20 | 2013-05-20 | Portable payment device |
| TW103208418U TWM494362U (en) | 2013-05-20 | 2014-05-14 | Portable payment device |
| PCT/CN2014/077631 WO2014187272A1 (en) | 2013-05-20 | 2014-05-16 | Portable payment device |
| HK14104625.9A HK1193001A2 (en) | 2013-05-20 | 2014-05-19 | A portable payment device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201320274148.5U CN203490736U (en) | 2013-05-20 | 2013-05-20 | Portable payment device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN203490736U true CN203490736U (en) | 2014-03-19 |
Family
ID=50261550
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201320274148.5U Expired - Lifetime CN203490736U (en) | 2013-05-20 | 2013-05-20 | Portable payment device |
Country Status (4)
| Country | Link |
|---|---|
| CN (1) | CN203490736U (en) |
| HK (1) | HK1193001A2 (en) |
| TW (1) | TWM494362U (en) |
| WO (1) | WO2014187272A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104112199A (en) * | 2014-07-09 | 2014-10-22 | 武汉天喻信息产业股份有限公司 | Multi-communication-port IC card safety terminal, access system and financial transaction payment method |
| WO2014187272A1 (en) * | 2013-05-20 | 2014-11-27 | 中国银联股份有限公司 | Portable payment device |
| CN107195078A (en) * | 2017-07-05 | 2017-09-22 | 佛山杰致信息科技有限公司 | Portable movable payment mechanism |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105138892A (en) * | 2015-08-06 | 2015-12-09 | 深圳市文鼎创数据科技有限公司 | Data interaction method and apparatus applied to composite smart card device |
| CN109389379A (en) * | 2018-10-22 | 2019-02-26 | 汉斯·杰里·乌尔本·彼得森 | A kind of method of payment of automatic identification payment amount |
Family Cites Families (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102523092B (en) * | 2011-12-05 | 2014-06-18 | 上海柯斯软件有限公司 | Audio-based non-contact integrated circuit (IC) card and mobile authentication data transmission device |
| CN203490736U (en) * | 2013-05-20 | 2014-03-19 | 中国银联股份有限公司 | Portable payment device |
-
2013
- 2013-05-20 CN CN201320274148.5U patent/CN203490736U/en not_active Expired - Lifetime
-
2014
- 2014-05-14 TW TW103208418U patent/TWM494362U/en not_active IP Right Cessation
- 2014-05-16 WO PCT/CN2014/077631 patent/WO2014187272A1/en active Application Filing
- 2014-05-19 HK HK14104625.9A patent/HK1193001A2/en not_active IP Right Cessation
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014187272A1 (en) * | 2013-05-20 | 2014-11-27 | 中国银联股份有限公司 | Portable payment device |
| CN104112199A (en) * | 2014-07-09 | 2014-10-22 | 武汉天喻信息产业股份有限公司 | Multi-communication-port IC card safety terminal, access system and financial transaction payment method |
| CN107195078A (en) * | 2017-07-05 | 2017-09-22 | 佛山杰致信息科技有限公司 | Portable movable payment mechanism |
Also Published As
| Publication number | Publication date |
|---|---|
| HK1193001A2 (en) | 2014-09-05 |
| WO2014187272A1 (en) | 2014-11-27 |
| TWM494362U (en) | 2015-01-21 |
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| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
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Granted publication date: 20140319 |
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| CX01 | Expiry of patent term |