TW201636916A - Card transaction device - Google Patents

Abstract

A card transaction device is provided. The card transaction device is configured to be used with a portable electronic device. The card transaction device includes a card reading head, a microcontroller, a security element, a first transmission interface, and a converter. The card reading head is configured to read fundamental information of a card. The microcontroller is electrically connected to the card reading head, the security element and the converter.

Description

Card transaction device and card transaction method

The present invention relates to a card transaction apparatus and a method of card transaction, and more particularly to a card transaction apparatus having an encryption function and a method of card transaction.

There are two types of traditional card transaction mechanisms: online transaction card readers and offline card readers. The online transaction card reader must be installed in a fixed location where the network can be connected, such as a store credit card machine; and offline. Although the card swiping machine does not need to be installed in a fixed position for swiping, it still needs to connect to the back-end system after the swiping transaction, which is a method of completing the credit card verification after the connection, and because the offline card-sending machine cannot verify the card online. The effectiveness of the collection makes the risk of collection relatively high, and the offline credit card machine is, for example, a credit card credit card machine on an airplane.

At present, some published documents have improved the problems of the conventional card swiping machine, increased the convenience of the card transaction, and reduced the cost of the user to purchase the card swiping device. For example, the US Patent No. US7810729 "Card reader device for a cell phone and method of use" The invention discloses that a small card reader device is connected to a sound source hole of a smart phone, so that the smart phone instantly becomes an action card swiping machine, which can complete the card transaction on the line and is convenient. Personal mobile carry. The technology of the card reading device of US Pat. No. 7,810,729 is mainly to convert the data of the card transaction into an audio signal, and then transmit the audio signal to the smart phone. After that, the smart phone restores the audio signal to the data data of the card transaction, and finally uploads the data data to the bank database.

Although the "Card reader device for a cell phone and method of use" of U.S. Patent No. 7,810,729 improves the inconvenience of the conventional card reader and the problem of inconvenient online card transaction, the card reader device of US7810729 has the following Shortcomings:

1. The card reader device is easy to cause a crash when reading a card and converting it into an audio signal, which causes the card transaction to fail, and requires the user to restart the computer to operate normally.

2. The basic information of the card has not been encoded and converted, so the basic data is easy to be cracked and the security is insufficient.

Therefore, how to design a card transaction device, so that the card transaction device can effectively reduce the occurrence of failures and improve the safety during use, is worthy of consideration by those who have ordinary knowledge in the field.

SUMMARY OF THE INVENTION It is an object of the present invention to provide a card transaction apparatus which can reduce the occurrence of malfunctions and improve the security in payment transactions.

The present invention provides a card transaction device for use in a portable electronic device. The card transaction device includes a card reading head, a microcontroller, an encryption and decryption unit, a converter, and a first transmission interface. The card reading head is a basic material for reading a card, and the microcontroller is electrically connected to the card reading head, the encryption and decryption unit, and the converter.

In the card transaction device described above, the portable electronic device includes a second transmission interface and a transaction processing application software. The second transmission interface is coupled to the first transmission interface signal, and the transaction processing application software generates a transaction information via a user inputting a data.

The invention provides a card transaction method, the card transaction method is applied to a card transaction device, the card transaction device comprises a card reading head, an encryption and decryption unit, a converter, and a first transmission interface, and the card transaction method comprises The following steps:

a. The card reading head reads the basic information on a card;

b. the encryption and decryption unit encodes the basic data to generate an encoded data;

c. The converter converts the encoded data into a transmission signal;

d. The first transmission interface transmits the transmission signal to a portable electronic device;

f. Restore the transmission signal to the basic data;

g. generate a transaction information;

h. Transfer basic information and transaction information to a remote database.

The present invention provides a card transaction method, the card transaction method is applied to a card transaction device, the card transaction device includes a card read head, a microcontroller, an encryption and decryption unit and a converter, and a first transmission interface. The card transaction method includes the following steps:

a. The card reading head reads the basic information on a card;

b. The microcontroller encodes the basic data to generate a first encoded data;

c. The encryption and decryption unit encodes the first encoded data to generate a second encoded data;

d. The converter converts the second encoded data into a transmission signal;

e. The first transmission interface transmits the transmission signal to a portable electronic device;

f. Restore the transmission signal to basic data;

g. generate a transaction information;

h. Transfer basic information and transaction information to a remote database.

In the card transaction method described above, the card reading head reads the card by means of near field communication.

The above described features and advantages will be more apparent from the following description.

10, 10'‧‧‧ card trading device.

11‧‧‧ Card reading head

12‧‧‧ converters.

13‧‧‧Microcontrollers

14‧‧‧Battery

15‧‧‧ Warning lights.

151‧‧‧The first color LED light.

152‧‧‧Second color LED lights.

153‧‧‧ Third color LED lights.

16‧‧‧ First transmission interface.

17‧‧‧ Data register.

18‧‧‧Addition and decryption unit.

19‧‧‧ buzzer

20‧‧‧ Portable electronic devices.

21‧‧‧ Second transmission interface.

22‧‧‧Transaction processing application software.

30‧‧‧ cards.

S100, S200‧‧‧ card trading methods.

S1~S7‧‧‧ steps.

S21~28‧‧‧ steps.

FIG. 1 illustrates the card transaction apparatus 10 of the present embodiment.

FIG. 2 is a schematic diagram of the card transaction device 10 of the embodiment mounted on the portable electronic device 20.

FIG. 3 and FIG. 4 are schematic diagrams showing the card transaction device 10 reading the card 30 of the present embodiment.

FIG. 5 is a schematic diagram of the card transaction device 10' of another embodiment reading the card 30.

FIG. 6 is a flow chart of the card transaction method S100 of the embodiment.

FIG. 7 is a schematic diagram showing the card 30 transaction program and the various functions of the present invention.

FIG. 8 is a flow chart of a card transaction method S200 according to another embodiment.

FIG. 9 is a schematic diagram showing another transaction procedure of the card 30 and the functions of the various components of the present invention.

Please refer to FIG. 1 and FIG. 2 . FIG. 1 is a schematic diagram of the card transaction device 10 of the present embodiment. FIG. 2 is a schematic diagram of the card transaction device 10 of the embodiment mounted on the portable electronic device 20 . The card transaction device 10 is a thin rectangular box that is used for signal connection with a portable electronic device 20 in order to perform a payment transaction for the card.

The card transaction device 10 of the embodiment includes a card reading head 11, a converter 12, a microcontroller 13, a battery 14, a set of warning lights 15, a first transmission interface 16, and a data register. And a decryption unit 18. The warning light 15 is disposed on the outer surface of the card transaction device 10. The first transmission interface 16 is communicatively coupled to a second transmission interface 21 of the portable electronic device 20, and the card reading head 11, the converter 12, and the micro The controller 13, the battery 14, the data register 17, and the encryption/decryption unit 18 are provided inside the card transaction device 10. In the above, the data register 17 is, for example, a random access memory (Random Access Memory).

In addition, the first transmission interface 16 is, for example, a sound source plug, a USB plug, an HDMI plug, a Video port plug, a WiFi, an RFID, a Bluetooth wireless module, or an infrared communication module, and the second transmission interface 21 corresponds to the first. The transmission interface 16, the second transmission interface 21 is, for example, a sound source jack (corresponding to a sound source plug), a USB socket (corresponding to a USB plug), an HDMI socket (corresponding to an HDMI plug), a Video port socket (corresponding to a Video port plug), Or wireless modules such as Bluetooth, infrared communication modules, etc.

Please refer to FIG. 3 and FIG. 4 again. FIG. 3 and FIG. 4 are schematic diagrams showing the card transaction device 10 reading the card 30 according to the embodiment. In this embodiment, the card transaction device 10 is a Bluetooth wireless module as an example for communication connection, and the portable electronic device 20 is, for example, a smart phone, a tablet computer or a notebook computer.

The card reading head 11 is mainly used for reading basic information of a card 30, such as cardholder information, cardholder contact information (mobile phone number or e-mail address), card card number and card validity period. The microcontroller 13 of the card transaction device 10 is electrically connected between the card reading head 11, the converter 12, the warning light 15, the data register 17 and the encryption and decryption unit 18, and the microcontroller 13 periodically detects the card. Whether the read head 11, the converter 12 and the warning light 15 are in normal operation, for example, the microcontroller 13 detects whether the card reading head 11 is in the standby state every 15 minutes. When the microcontroller 13 detects that the card reading head 11 is in the state of being down, the microcontroller 13 will immediately reset the card reading head 11 (once the card reading head 11 is turned back on) to make the card reading head 11 Restore the standby status.

Compared with the conventional card reader device, the card transaction device 10 of the present embodiment controls the operation of the card reading head 11 and the converter 12 by using the microcontroller 13, so that the user can use the card transaction. When the device 10 is trading, it is not easy to cause the card transaction device 10 to crash, so the chance of transaction failure is low. In the above, the card 30 is, for example, a financial card, a cash card, a credit card, or a stored value card having a data stored value function.

In addition, the microcontroller 13 can encode the basic data read by the card reading head 11 to generate a first encoded material. Next, the encryption and decryption unit 18 encodes the first encoded material to generate a second encoded material. The second encoded data is temporarily stored in the data register 17. Then, the second encoded data is converted into a transmission signal (for example, a sound source signal) via the converter 12.

The first transmission interface 16 transmits the transmission signal to the portable electronic device 20 by a communication connection between the first transmission interface 16 (eg, a sound source plug) and the second transmission interface 21 (eg, a sound source jack). Because the transmission signal is transmitted to the portable electronic device 20 via the first transmission interface 16, the Trojan horse in the portable electronic device 20 may steal the transmission signal from the second transmission interface 21. Since the card transaction device 10 has subjected the card's basic data to at least two times of encoding (ie, 2 times of encryption), the transmitted signal is not easily restored to the card's basic data even after being stolen.

In addition, the coding specifications of the encryption and decryption unit 18 and the microcontroller 13 can be used to pass the encoding and setting specifications of the encryption and decryption unit 18 and the microcontroller 13 through the portable electronic device 20 through the first transmission interface 16 and the second transmission interface 21. Unscheduled updates further reduce the risk of data being compromised.

In addition, the power required by the card transaction apparatus 10 of the present embodiment is supplied by the built-in battery 14, and the battery 14 is preferably a lithium battery. Moreover, when the battery 14 is not powered to the data register 17, the second encoded data stored in the data register 17 will disappear.

In addition, the warning light 15 includes a first color light LED lamp 151, a second color light LED lamp 152, and a third color light LED lamp 153. Wherein, when the power of the battery 14 is less than a quarter of the total power, the microcontroller 13 activates the first color LED 151 to emit a bright light, and the light emitted by the first color LED 151 is mainly to remind the user of the card transaction device. 10 to charge.

Moreover, when the card reading head 11 is reading the credit card 30, the microcontroller 13 activates the second color LED lamp 152 to cause the second color LED 152 to emit light, and the user can know by the brightness of the second color light 152. The card reading head 11 is reading the basic data of the card. Further, when the card reading head 11 is in the standby state, the microcontroller 13 activates the third color light LED lamp 153 to cause the third color light LED lamp 153 to emit bright light. In this way, the user can know that the card transaction device 10 is in a normal operation state by the illumination of the third color LED lamp 153.

In addition, the transaction processing application software 22 is first downloaded in the portable electronic device 20, and the transaction processing application software 22 can decode the converted transmission signal of the converter 12 to restore the transmission signal to the basic data.

Moreover, the transaction processing application 22 can generate a transaction information by inputting a piece of data (for example, the amount consumed for the card card) by the user, and the transaction processing application software 22 can transmit the basic data and the transaction information to the remote location through a telecommunication network. In a database (such as a bank's credit card certification center).

In the above embodiment, the card reading head 11 can use Near Field Communication (NFC), RFID, or Bluetooth wireless transmission to read the basic data stored on the chip on the card 30, so the card reading The take-up head 11 has no direct contact with the card 30. The card reading head 11 is a non-contact card reading head.

Please refer to FIG. 5. FIG. 5 is a schematic diagram of the card transaction device 10' of another embodiment reading the card 30. The card transaction device 10' further includes a buzzer 19. When the card reading head 11 is reading the card 30, the microcontroller 13 activates the buzzer 19 at the same time in addition to the second color LED lamp 152. The buzzer 19 produces a "click" sound.

Please refer to FIG. 6 and FIG. 7. FIG. 6 is a flowchart of the card transaction method S100 of the present embodiment, and FIG. 7 is a schematic diagram of the card 30 transaction program and the functions of the various components of the present invention, and FIG. 6 is combined with FIG. Figure 7 illustrates the actual operational procedures of the present invention. The credit card transaction method S100 of this embodiment includes the following steps:

First, as described in step S1, the card transaction device 10 and the portable electronic device 20 of FIG. 3 are provided, and the card reading head 11 of the card transaction device 10 reads a basic data stored by the card 30, and the card The first transmission interface 16 of the transaction device 10 is coupled to the second transmission interface 21 of the portable electronic device 20.

Next, as described in step S2, the encryption/decryption unit 18 encodes the basic data to generate an encoded data, and stores the encoded data in the data register 17. Then, as described in step S3, the first encoded data is converted into a transmission signal by the converter 12 of the card transaction device 10; after that, as described in step S4, the first transmission interface 16 transmits the transmission signal to the portable type. Electronic device 20. Then, as described in step S5, the transaction signal is decoded by a transaction processing application 22 of the portable electronic device 20 to restore the transmission signal to the basic data.

Then, as described in step S6, the transaction processing application 22 generates a transaction information. Then, as described in step S7, the basic data and the transaction information are transmitted to a remote database through a telecommunication network. The payment transaction of the card 30 is completed via steps S1 to S7.

Thereafter, the transaction processing application 22 creates an electronic receipt for the fee generated by the transaction information, and transmits the electronic receipt to the user's electronic mailbox or mobile phone of the card 30 using the telecommunications network. In the above, after the payment transaction of the card 30 is completed, the first encoded data stored in the data register 17 is cleared by the microcontroller 13.

Please refer to FIG. 8 and FIG. 9. FIG. 8 is a flowchart of a card transaction method S200 according to another embodiment. FIG. 9 is a schematic diagram showing another transaction procedure of the card 30 and various functions of the present invention. The credit card transaction method S200 of another embodiment includes the following steps. First, as described in step S21, the card transaction device 10 and the portable electronic device 20 of FIG. 3 are provided, and the card reading head 11 of the card transaction device 10 is provided. The basic data stored in the card 30 is read, and the first transmission interface 16 of the card transaction device 10 is connected to the second transmission interface 21 of the portable electronic device 20. Next, as described in step S22, the microcontroller 13 encodes the basic data to generate the first encoded material. Then, as described in step S23, the first encoded data is encoded by the encryption and decryption unit 18 of the card transaction device 10 to generate the second encoded data, and the second encoded data is stored in the deposited data. Inside the register 17.

Then, as described in step S24, the second encoded data is converted into a transmission signal by the converter 12 of the card transaction device 10; after that, as described in step S25, the first transmission interface 16 transmits the transmission signal to the portable electronic device. 20. Then, as described in step S26, the transaction signal is decoded by a transaction processing application 22 of the portable electronic device 20 to restore the transmission signal to the basic data.

Then, as described in step S27, a transaction information is generated by the transaction processing application 22. Then, as described in step S28, the basic data and the transaction information are transmitted to a remote database through a telecommunication network. The payment transaction of the card 30 can be completed via steps S21 to S28.

Thereafter, the transaction processing application 22 creates an electronic receipt for the fee generated by the transaction information, and transmits the electronic receipt to the user's electronic mailbox or mobile phone of the card 30 using the telecommunications network. In the above, after the payment transaction of the card 30 is completed, the second encoded data stored in the data register 17 is cleared by the microcontroller 13.

In summary, the card transaction apparatus 10 of the present invention periodically detects whether the card reading head 11 and the converter 12 are functioning normally by the microcontroller 13, so that when the card reading head 11 and the converter 12 are down, The controller 13 will immediately reset the card reading head 11 and the converter 12, so that the user has a lower chance of failure of the card transaction device 10 when using the card transaction device 10 to trade.

In addition, since the card transaction device 10 encodes the basic data of the card 30 at least once, the transmission signal is not easily restored to the basic data of the card 30 by other malicious programs, so the payment transaction using the card transaction device 10 is higher. The integrity and confidentiality of the case.

The present invention is described above by way of example, but it is not intended to limit the scope of patent rights claimed herein. The scope of patent protection is subject to the scope of the patent application and its equivalent fields. Any changes or modifications made by those skilled in the art without departing from the spirit or scope of this patent are subject to the equivalent changes or designs made in the spirit of the present disclosure and should be included in the scope of the patent application below. Inside.

Although the present invention has been disclosed in the above preferred embodiments, it is not intended to limit the invention, and any one of ordinary skill in the art can make some modifications and refinements without departing from the spirit and scope of the invention. Therefore, the scope of the invention is defined by the scope of the appended claims.

10‧‧‧ card transaction device

11‧‧‧ card reader

12‧‧‧ converter

13‧‧‧Microcontroller

15‧‧‧ warning lights

16‧‧‧First transmission interface

17‧‧‧data register

18‧‧‧Addition and decryption unit

20‧‧‧Portable electronic device

21‧‧‧Second transmission interface

22‧‧‧Transaction Processing Application Software

30‧‧‧ cards

Claims (18)

[Item 1]
A card transaction device is applied to a portable electronic device, the card transaction device comprising:
a card reading head is a basic material for reading a card;
a microcontroller electrically connected to the card reading head;
An encryption and decryption unit is electrically connected to the microcontroller; and a converter is electrically connected to the microcontroller. [Item 2]
The card transaction device of claim 1, further comprising a data register, the data register being electrically connected to the microcontroller. [Item 3]
The card transaction device of claim 1, further comprising a first transmission interface. [Item 4]
The card transaction device of claim 1, wherein the portable electronic device comprises:
a second transmission interface, the second transmission interface is coupled to the first transmission interface signal;
A transaction processing application software, the transaction processing application software generates a transaction information via a user inputting a data. [Item 5]
The card transaction device of claim 2, wherein the data register is a random access memory. [Item 6]
The card transaction device of claim 4, wherein the microcontroller is capable of encoding the basic data of the card to generate a first encoded material. [Item 7]
The card transaction device of claim 6, wherein the encryption and decryption unit can encode the first encoded data to generate a second encoded material. [Item 8]
The card transaction device of claim 7, wherein the second encoded data is converted into a transmission signal by the converter. [Item 9]
The card transaction device of claim 8, wherein the transaction processing application software can decode the transmission signal to restore the transmission signal to the basic data of the card. [Item 10]
For example, the card transaction device described in claim 1 of the patent scope further includes:
a battery for supplying power to the card transaction device; and a set of warning lights electrically connected to the microcontroller, the group of warning lights comprising a plurality of LED lights; [Item 11]
The card transaction device of claim 10, wherein the LED lamp comprises a first color light LED, a second color light LED, and a third color light LED, and when the battery power is less than a certain value, the device is activated. The first color LED activates the second color LED when the card reading head reads the card, and activates the third color LED when the card reading head is in the standby state. [Item 12]
The card transaction device of claim 1, further comprising a buzzer, which causes the buzzer to produce a "beep" sound when the card reading head reads the card. [Item 13]
The card transaction device of claim 1, wherein the card reading head is a contactless card reading head. [Item 14]
The card transaction device of claim 4, wherein the transaction processing application software transmits the transaction information to a remote database. [Item 15]
A card transaction method, the card transaction method is applied to a card transaction device, the card transaction device includes a card reading head, an encryption and decryption unit, a converter, and a first transmission interface, and the card transaction method includes the following step:
The card reading head reads basic information on a card;
The encryption and decryption unit encodes the basic data to generate an encoded data;
The converter converts the encoded data into a transmission signal;
The first transmission interface transmits the transmission signal to a portable electronic device;
Reverting the transmission signal to the basic data;
Generate a transaction information;
The basic information and the transaction information are transmitted to a remote database. [Item 16]
A card transaction method, the card transaction method is applied to a card transaction device, the card transaction device includes a card reading head, a microcontroller, an encryption and decryption unit and a converter, and a first transmission interface, The card transaction method includes the following steps:
The card reading head reads basic information on a card;
The microcontroller encodes the basic data to generate a first encoded data;
The encryption and decryption unit encodes the first encoded data to generate a second encoded data;
The converter converts the second encoded data into a transmission signal;
The first transmission interface transmits the transmission signal to a portable electronic device;
Reverting the transmission signal to the basic data;
Generate a transaction information;
The basic information and the transaction information are transmitted to a remote database. [Item 17]
The card transaction method as described in claim 15 or claim 16 of the patent application, wherein the card is a financial card, a cash card or a credit card. [Item 18]
The card transaction method as described in claim 15 or claim 16, wherein the card reading head reads the card by means of near field communication.