CN203746179U - Mobile safe financial terminal - Google Patents
Mobile safe financial terminal Download PDFInfo
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- CN203746179U CN203746179U CN201420054554.5U CN201420054554U CN203746179U CN 203746179 U CN203746179 U CN 203746179U CN 201420054554 U CN201420054554 U CN 201420054554U CN 203746179 U CN203746179 U CN 203746179U
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- 230000003993 interaction Effects 0.000 claims abstract description 21
- 230000001413 cellular effect Effects 0.000 claims abstract description 7
- 230000004224 protection Effects 0.000 claims description 14
- 238000004891 communication Methods 0.000 claims description 9
- 238000000034 method Methods 0.000 abstract description 11
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 4
- 229910052709 silver Inorganic materials 0.000 description 4
- 239000004332 silver Substances 0.000 description 4
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 241000700605 Viruses Species 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000007547 defect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000010295 mobile communication Methods 0.000 description 1
- 229910052755 nonmetal Inorganic materials 0.000 description 1
- 238000012545 processing Methods 0.000 description 1
- 238000010408 sweeping Methods 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Abstract
The utility model discloses a mobile safe financial terminal which comprises a terminal body. The terminal body is provided with a power supply module, a card reading module, a processor chip and antennae, wherein the card reading module communicates with another financial terminal or an intelligent card, the processor chip interacts safe financial interaction data, and the antennae include a digital cellular antenna and a wifi antenna; and the card reading module is connected with the processor chip, and the processor chip communicates with other financial terminals via the antennae. The mobile safe financial terminal can complete financial transactions independent from PC, mobile phones or other intelligent terminals, solves the hidden safety trouble that information may be intercepted or distorted by malicious program when the information input or output in the transaction process is displayed by a present open operating system, and improves the safety level.
Description
Technical field
The utility model relates to Internet banking and mobile payment technical field, is specifically related to a kind of mobile security financial terminal.
Background technology
List is controlled at present up-to-date OCL(operation) two generation Net silver key; except possessing the hardware protection function of existing Net silver key to digital certificate; also make the legal holder of Net silver key to confirm the key message in process of exchange; mutual by being independent of physics display screen, button and the enciphered message of PC; realize credible demonstration and the user feedback of Transaction Information and confirm, can effectively resist the threat that existing attack means is distorted Transaction Information.Similarly authenticating device also has OTP(dynamic password), also there is the mode such as password card, digital certificate of file, object is that authentication and safety of payment guarantee are provided under complicated personal computer environment.In whole authentication and payment transaction flow process, this kind equipment or authentication mode are as just a safety guarantee link, must depend on the hardware and software conditions such as webpage that computer provides or client software interface display, network data communication, word input completely, just can authenticate, pay and conclude the business.
In addition, the fast development of the smart machine calculating such as mobile phone plane plate, mobile communication ability, man-machine interaction mode, application, and follow demand quick, convenient payment, expedite the emergence of mobile payment.Ensure at present the solution of mobile payment security, be still in openings such as Android, iOS, Symbian or partly develop under operating system, by hardware SE safe unit, as: SIM card, safe SD card, audio frequency Key, OTP etc., or the mode such as digital certificate of file, ensure certification and safety of payment, need to rely on equally the software and hardware support such as demonstration, word input, network service of the smart machines such as mobile phone plane plate.Be that the conventional network payment mode of current ordinary consumer is all carried out on general software and hardware system, and existing software and hardware safety protection technique is difficult to safeguards system bottom I/O and shows the safety of exporting in the general-purpose operating system, cannot definitely ensure that user is not is not intercepted and captured in the time of input sensitive information, and ensure the genuine and believable of sensitive content in the time of output display.Although take above-mentioned safety protection technique, also can only ensure safety within the specific limits, instead of comprehensively from information browse, generate to order, to user sensitive information input, to setting up Secure Transaction with bank backstage, to the safety guarantee of confirming payment.
Utility model content
For the defect existing in prior art, the purpose of this utility model is to provide a kind of mobile security financial terminal, can the multiple financial transaction of complete independently by this terminal, and improve convenience and the security of transaction.
For achieving the above object, the technical solution adopted in the utility model is as follows:
A kind of mobile security financial terminal, comprises terminal body, and terminal body is provided with supply module, it is characterized in that, this terminal also comprises the card reading module of communicating by letter with other financial terminal or intelligent cards; Carry out the mutual processor chips of secure financial interaction data; Described card reader module is connected with described processor chips;
Described terminal body also comprises antenna, and described antenna comprises digital cellular antenna and wifi antenna, and described processor chips communicate by antenna and other financial terminal.
Wherein, described antenna also comprises short-range wireless communication antenna.
Further, described antenna is arranged in the shell of terminal body.
Wherein, other described financial terminal comprises that POS terminal, financial card reader, computer, smart mobile phone, bank backstage, banking front-end system and other order generate equipment.
Wherein, be also provided with the camera for obtaining financial interaction data in described terminal body, camera is connected with described processor chips.
Wherein, described card reading module comprises the plug-in type draw-in groove being arranged in terminal body, is provided with card reader contact in plug-in type draw-in groove.
Wherein, described card reading module is contactless card reading unit.
Wherein, described processor chips comprise security module, and described security module is the module with IC-card physical protection rank.
Wherein, described security module comprises a security protection unit or multiple security protections unit.
The beneficial effects of the utility model are:
1) this terminal of mobile security finance described in the utility model can be used as traditional Ukey of bank, also can be used as OTP and uses;
2) terminal described in the utility model is without computer or smart mobile phone, in the place that has wireless Wi-Fi or cellular digital net signal to cover, can carry out at any time safe network payment, transfers accounts, the financial transaction operation such as account inquiries;
3) financial payment being built by intelligent card chip, special-purpose secure operating system (safe processor) and transaction specialized security device, promote user and use confidence, can eliminate the doubt of user to Malware and virus threat transaction security;
4) this terminal is by financial institution's unified certification and distribution, and consistent with existing Net silver Key distribution flow process, product is guaranteed, further increases user's use confidence;
5) possesses multiple card-reading mode contactless, contact;
6) possess camera, input information efficiently can be provided, as scanning order Quick Response Code, obtain quickly and easily goods orders
7) possess NFC card function, support the expanded application such as transportation card, ID card.
Mobile security financial terminal described in the utility model does not rely on PC and mobile phone plane plate, can the complete independently financial transaction service such as online order payment, Web bank service identical with existing computer and mobile phone, can solve under existing open operation system, when in process of exchange, user inputs and obtains output information demonstration, the hidden danger that the information that may exist is intercepted by rogue program.
Brief description of the drawings
Fig. 1 is the structured flowchart of a kind of mobile security financial terminal in embodiment;
Fig. 2 is the structural representation of a kind of mobile security financial terminal in embodiment.
Embodiment
Below in conjunction with Figure of description and embodiment, the utility model is described in further detail.
Fig. 1 shows the structured flowchart of this mobile security financial terminal, as can be seen from Figure, this mobile security financial terminal 10 comprises a terminal body, and terminal body is provided with and is used to supply module 11, this terminal of the power supply of mobile security financial terminal also to comprise the card reading module 12 of communicating by letter with other financial terminal or intelligent cards; When card reading module 12 is communicated by letter with other financial terminal, be operated in intelligent cards pattern; During with other smart card communications, be operated in Card Reader pattern.Carry out the mutual processor chips of secure financial interaction data 13; Described card reading module 12 is connected with described processor chips 13; Processor chips 13 complete after financial interaction data mutual, complete financial transaction according to described financial interaction data.Wherein, processor chips 13 and other financial terminal or intelligent cards carry out mutual financial interaction data and comprise information data in safety verification data and/or mobile payment data and/or Internet banking data and/or intelligent cards etc.The function of processor chips 13 can be by well known to a person skilled in the art that technology realizes, and the specific implementation of function that this chip possesses is not within protection domain of the present utility model.
Described terminal body also comprises antenna 14, and described antenna 14 comprises digital cellular antenna and wifi antenna, and described processor chips 13 communicate by antenna 14 and other financial terminal.Antenna 14 comprises digital cellular antenna and wifi antenna, and processor chips 13 can communicate by digital cellular network or wifi and other financial terminal, realize processor chips 13 and are connected with the telecommunication of other financial terminal.In addition, antenna 14 can also be short-range wireless communication antenna, processor chips 13 such as, communicate by close range wireless communication modes (NFC, the short-range communication modes such as sweeping bar code, card reader, bluetooth of taking pictures) and other financial terminal, realize and being connected with the short-range communication of other financial terminal.Wherein, antenna 14 is arranged on the place of the nonmetal signal shielding in terminal body, and its particular location can arrange according to the product appearance of moving secure financial terminal.
As an embodiment, can also comprise human-computer interaction module, can realize man-machine interaction by modes such as voice, touch-control, keyboard, gestures.The security module that realizes safety certification in processor chips 13 is the module with IC-card physical protection rank, as has the chip of the anti-physical attacks of hardware grade.Wherein, security module can be carried out safety management to all terminal applies on mobile security financial terminal by an overall security protection unit, also can carry out safety management to each terminal applies in terminal respectively by multiple security protections unit, each terminal applies on mobile security financial terminal is carried out safety management by a security protection unit of correspondence.Supply module 11 can adopt powered battery, is whole terminal modules power supply.
Mobile security financial terminal in present embodiment can be used as a card reader, obtain financial interaction data with other intelligent terminal by network service, comprise contact card-reading mode and contactless card reading unit by card reading module 12() obtain the financial interaction data in intelligent cards, then complete corresponding financial transaction according to accessed financial interaction data.For example, for mobile payment transaction, mobile security financial terminal obtains after the data such as Pay Bill and payment that computer sends, and the information such as account and password (can certainly be inputted at mobile security financial terminal by user) that user can get bank card by card reading module completes mobile payment transaction.
Mobile security financial terminal in present embodiment can be used as a non-contact card, communicates by letter with other intelligent terminal, and data are sent to other intelligent terminal, completes transaction.
Fig. 2 shows the entity structure schematic diagram of this financial terminal in this embodiment, and the human-computer interaction module of this terminal is touch screen 1, realizes man-machine interaction by touch screen.Antenna 14 can be set to the flush type antenna 3 in figure, be arranged on the security using for guarantee equipment in the shell of terminal body.In this terminal, be also provided with fingerprint module 2, user, before concluding the business, needs process password or fingerprint identity validation to obtain the legal right to use of equipment.In terminal body, be also provided with the camera 4 for financial interaction data, camera 4 is connected with processor chips 13.In terminal body, be also provided with card reading module 12, processor chips 13 communicate by card reading module 12 and intelligent cards, as shown in Figure 2, a kind of implementation of the card reading module in present embodiment is to comprise the plug-in type draw-in groove 6 being arranged in terminal body, in plug-in type draw-in groove 6, be provided with card reader contact 5, another kind of implementation is contactless card reading unit, the contactless Service Processing Module of for example realizing by existing SIMpass technology.Receipt transceiver module, in the time of the financial interaction data obtaining in intelligent cards, can be inserted into financial card (comprising bank card, other intellective IC card etc.) in draw-in groove 6, and processor chips read the information such as account and password in card; Also can be the information that reads financial card by contactless card reading unit.
While completing above-described financial transaction by mobile security financial terminal of the present invention, mobile security financial terminal can be directly and bank backstage or other financial terminal communication, obtains after the financial interaction data that exchange needs, and directly completes transaction by terminal.Terminal of the present invention only completes in whole financial transaction process and obtains after financial interaction data, carries out the process of last trade according to these data.For example, for mobile payment, this terminal only completes the payment link based on mobile payment data.And whole transaction course of payment, information is all submitted to and is obtained in terminal, and the security context that equipment provides can ensure the non repudiation of privacy, consistance and the process of exchange of Transaction Information.
Obviously, those skilled in the art can carry out various changes and modification and not depart from spirit and scope of the present utility model the utility model.Like this, if these amendments of the present utility model and within modification belongs to the scope of the utility model claim and equivalent technology thereof, the utility model is also intended to comprise these changes and modification interior.
Claims (9)
1. a mobile security financial terminal, comprises terminal body, and terminal body is provided with supply module, it is characterized in that, this terminal also comprises the card reading module of communicating by letter with other financial terminal or intelligent cards; Carry out the mutual processor chips of secure financial interaction data; Described card reader module is connected with described processor chips;
Described terminal body also comprises antenna, and described antenna comprises digital cellular antenna and wifi antenna, and described processor chips communicate by antenna and other financial terminal.
2. a kind of mobile security financial terminal as claimed in claim 1, is characterized in that: described antenna also comprises short-range wireless communication antenna.
3. a kind of mobile security financial terminal as claimed in claim 1 or 2, is characterized in that: described antenna is arranged in the shell of terminal body.
4. a kind of mobile security financial terminal as claimed in claim 3, is characterized in that: other described financial terminal comprises that POS terminal, financial card reader, computer, smart mobile phone, bank backstage, banking front-end system and other order generate equipment.
5. a kind of mobile security financial terminal as claimed in claim 4, is characterized in that: in described terminal body, be also provided with the camera for obtaining financial interaction data, camera is connected with described processor chips.
6. a kind of mobile security financial terminal as claimed in claim 1, is characterized in that: described card reading module comprises the plug-in type draw-in groove being arranged in terminal body, is provided with card reader contact in plug-in type draw-in groove.
7. a kind of mobile security financial terminal as claimed in claim 1, is characterized in that: described card reading module is contactless card reading unit.
8. a kind of mobile security financial terminal as claimed in claim 1, is characterized in that: described processor chips comprise security module, and described security module is the module with IC-card physical protection rank.
9. a kind of mobile security financial terminal as claimed in claim 8, is characterized in that: described security module comprises a security protection unit or multiple security protections unit.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201420054554.5U CN203746179U (en) | 2014-01-28 | 2014-01-28 | Mobile safe financial terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201420054554.5U CN203746179U (en) | 2014-01-28 | 2014-01-28 | Mobile safe financial terminal |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN203746179U true CN203746179U (en) | 2014-07-30 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201420054554.5U Expired - Lifetime CN203746179U (en) | 2014-01-28 | 2014-01-28 | Mobile safe financial terminal |
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| Country | Link |
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| CN (1) | CN203746179U (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016206535A1 (en) * | 2015-06-26 | 2016-12-29 | 深圳国微技术有限公司 | Internet of things multifunctional mobile pos terminal and intelligent payment system |
| CN107609801A (en) * | 2017-10-23 | 2018-01-19 | 国网上海市电力公司 | One kind is based on power transmission and transformation state monitoring apparatus method for evaluating reliability and device |
| CN109087091A (en) * | 2018-06-29 | 2018-12-25 | 北京东方英卡数字信息技术有限公司 | A kind of account trading security system and method |
-
2014
- 2014-01-28 CN CN201420054554.5U patent/CN203746179U/en not_active Expired - Lifetime
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016206535A1 (en) * | 2015-06-26 | 2016-12-29 | 深圳国微技术有限公司 | Internet of things multifunctional mobile pos terminal and intelligent payment system |
| CN107609801A (en) * | 2017-10-23 | 2018-01-19 | 国网上海市电力公司 | One kind is based on power transmission and transformation state monitoring apparatus method for evaluating reliability and device |
| CN109087091A (en) * | 2018-06-29 | 2018-12-25 | 北京东方英卡数字信息技术有限公司 | A kind of account trading security system and method |
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Legal Events
| Date | Code | Title | Description |
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| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CP01 | Change in the name or title of a patent holder | ||
| CP01 | Change in the name or title of a patent holder |
Address after: 100102 Beijing city Chaoyang District Wangjing Lize Park No. 101 Qiming International Building 7 Patentee after: BEIJING WATCHDATA Co.,Ltd. Address before: 100102 Beijing city Chaoyang District Wangjing Lize Park No. 101 Qiming International Building 7 Patentee before: BEIJING WATCH DATA SYSTEM Co.,Ltd. |
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| CX01 | Expiry of patent term | ||
| CX01 | Expiry of patent term |
Granted publication date: 20140730 |