TWI556179B - Dual mode card reader and card-reading method thereof - Google Patents

Description

Dual-mode card reader and card reading method thereof

The invention relates to a card reader and a card reading method, in particular to a dual mode card reader and a card reading method using the dual mode card reader.

Electronic money (E-money) is one of the most popular payment methods in recent years. By using electronic money (such as Easy Card, Octopus, UnionPay card, credit card or member stored value card issued by the merchant), consumers can quickly complete the consumer payment without carrying a lot of cash, and can save the trouble of change.

At present, the payment method of electronic money issued can be divided into contact payment and contactless payment according to the data transmission method between electronic money and card reader, and the contactless payment is the most widely used. Contact payment can be performed by means of magnetic stripe reading or wafer contact reading and writing. Contactless payment uses, for example, Near Field Communication (NFC) technology or Radio Frequency Identification (RFID) technology for data transmission.

However, the conventional card reader only has the data transmission function (such as reading and writing the card), and does not have a security mechanism or an authentication function, and cannot operate the card reader (such as performing a stored value card). The identity of the store clerk who operates or debits is verified or identified. Therefore, when a problematic transaction occurs, it is often difficult to clarify the responsibilities (such as the inability to understand the question, which transaction is completed by the store clerk, or whether it is done by the store clerk).

In addition, a dual-mode card reader that supports contact and contactless payment has been proposed. The dual mode card reader can choose to read the card in contact (such as inserting a stored value chip card into the dual mode card reader) or read the card in a contactless manner (such as storing a value) The proximity card is moved into the sensing range of the dual mode card reader). Thereby, the consumer can arbitrarily select the stored value wafer card or the stored value sensing card to make the payment. However, the conventional dual-mode card reader can only read one card at a time, and does not have a security mechanism or an authentication function, and cannot safely verify or identify the identity of the operator of the card reader.

Therefore, the conventional card reader cannot perform security verification or identification on the identity of the operator, and a more effective solution is proposed.

The main object of the present invention is to provide a dual mode card reader and a card reading method, which can provide a card read/write function with a security mechanism.

Another main object of the present invention is to provide a dual mode card reader capable of recording the identity of an operator of the dual mode card reader while performing wireless data transmission with the stored value sensing card.

To achieve the above objective, the present invention is mainly a dual-mode card reader, comprising: a non-contact type read/write module for wirelessly sensing a stored value card for data transmission; and for plugging in a verification chip card a contact type read/write module for data transmission; a connection module for connecting an external host for data transmission; and electrically connecting the contactless read/write module, the contact type read/write module and the A microcontroller that connects the modules.

According to the above, the microcontroller allows the contactless read/write module to transmit data to the stored value card through wireless sensing when the contact type read/write module has been inserted into the verification chip card to obtain the A stored value data of the stored value sensing card.

The present invention further discloses a card reading method for the dual mode card reader of claim 1, the card reading method comprising the steps of: a) determining whether the verification chip card has been inserted; b) if the card is inserted Receiving the verification chip card, reading an identification data of the verification chip card and performing step c; c) reading the stored value data of the stored value sensor card; d) receiving a consumption data after step c; e) controlling the contactless reading and writing module according to the consumption data to update the stored value data of the stored value sensing card.

The effect achieved by the present invention over the prior art is that non-operational rights can be avoided. The limited number of people operate the dual-mode card reader, which can greatly improve transaction security and reliability. At the same time, when using the stored value sensing card for trading behavior, the identity of the operator of the dual-mode card reader can be recorded, thereby clarifying the attribution of responsibility when the problem transaction occurs.

1‧‧‧Double Mode Card Reader

10‧‧‧Contactless Reading and Writing Module

100‧‧‧Antenna Module

102‧‧‧Wireless transceiver

12‧‧‧Contact Reader Module

120‧‧‧wafer read and write interface

14‧‧‧Connecting module

16‧‧‧Microcontroller

160‧‧‧ Hub Module

162‧‧‧ verification module

164‧‧‧Processing module

180‧‧‧Reader housing

20‧‧‧ stored value card

22‧‧‧Verification wafer card

220a‧‧‧Employee photo

220b‧‧‧Employee name

30‧‧‧Host

300‧‧‧ human machine interface

302‧‧‧Printer

304‧‧‧ processor

306‧‧‧Transmission module

32‧‧‧ Identification data

34‧‧‧ stored value information

36‧‧‧ Consumption Information

40‧‧‧Internet

50‧‧‧Remote Server

S300-S310‧‧‧Steps

S600-S610‧‧‧Steps

1 is a structural diagram of a dual mode card reader according to a first embodiment of the present invention.

2 is a schematic view showing the appearance of a dual mode card reader according to a first embodiment of the present invention.

3 is a flow chart of a card reading method according to a first embodiment of the present invention.

4 is a diagram showing a host architecture of a first embodiment of the present invention.

FIG. 5 is a schematic diagram of the dual-mode card reader and the host according to the first embodiment of the present invention.

Figure 6 is a flow chart of a stored value according to a second embodiment of the present invention.

For a more detailed understanding of the features and technical aspects of the present invention, reference should be made to the description and the accompanying drawings.

Referring first to FIG. 1, FIG. 1 is a structural diagram of a dual mode card reader according to a first embodiment of the present invention. As shown in FIG. 1 , the dual-mode card reader 1 of the present invention mainly includes a contactless read/write module 10 , a contact read/write module 12 , a connection module 14 and a microcontroller 16 . The microcontroller 16 is electrically connected to the contactless read/write module 10, the contact read/write module 12, and the connection module 14.

The contactless reading and writing module 10 is configured to wirelessly sense a stored value sensing card 20 for data transmission. Preferably, the stored value sensing card 20 is a member stored value card issued by an individual or a merchant, and stores a stored value data (such as the stored value data 34 shown in FIG. 5) and is sent to a consumer. . The consumer only needs to move the stored value sensing card 20 to a sensing range of the contactless reading and writing module 10 to perform contactless payment.

In this embodiment, the stored value sensing card 20 refers to a card in which a chip having a wireless sensing transmission function is built, or a smart mobile device in which the above chip is built, but is not limited. Wireless sensing transmission function as referred to in this embodiment The wafer may be, for example, a radio frequency identification (RFID) chip or a near field communication (NFC) chip. For convenience of explanation, when the stored value proximity card 20 is described in the following description, it will be exemplified only by a card having an RFID chip, but it is not intended to limit the scope of the invention.

The contactless read/write module 10 includes an antenna module 100 and a wireless transceiver 102. The antenna module 100 is configured to transmit an RF signal or a near field communication signal. The wireless transceiver 102 is electrically connected to the antenna module 100 for modulating data to be transmitted externally and demodulating the data received by the antenna module 100.

More specifically, the wireless transceiver 102 converts a transmission data generated by the microcontroller 16 into a transmission signal and transmits it to the antenna module 100 for external transmission. And demodulating a received signal received by the antenna module 100 into a received data and transmitting the data to the microcontroller 16 for processing.

Preferably, the transmission signal is a radio frequency type transmission radio frequency signal or a near field communication type transmission near field communication signal, and the reception signal is a radio frequency type receiving radio frequency signal or a near field communication type receiving near field communication. Signal. The transmission data and the received data are the stored value data 34. The contactless read/write module 10 is a radio frequency identification (RFID) module or a near field communication (NFC) module, and uses a specific radio frequency band (such as 13.56 MHz) as its transmission frequency band.

The contact type read/write module 12 is plugged into a verification wafer card 22 for data transmission. Preferably, the verification chip card 22 is held by the owner of the merchant or the employee of the merchant, and stores an identification material (such as the identification data 32 shown in FIG. 5), which may be but not limited to an employee. A number, an employee's name, or a random verification code that corresponds to a specific employee.

Further, the contact read/write module 12 includes a wafer card interface 120. The chip read/write interface 120 is electrically connected to the verification chip card 22 and performs data transmission. In more detail, the wafer read/write interface 120 is inserted after the verification chip card 22 is inserted into the card socket of the contact type read/write module 12. An integrated circuit (IC) wafer (not shown) that actually contacts the verification wafer card 22. In this embodiment, the contact type read/write module 12 can be, for example, in accordance with the International Organization for Standardization (ISO) 7816 standard. The chip reader module 22 can be, for example, a contact smart card that conforms to the ISO 7816 and ISO 7810 standards, but the contact type read/write module 12 and the verification chip card 22 can also have other standards. Based on the above, not limited to the above.

The connection module 14 is configured to connect to an external host 30 for data transmission. Preferably, the connection module 14 is a universal serial bus (USB) connector, an external serial advanced technology attachment (eSATA) connector or an Apple (APPLE Co.) lightning bolt. The connector is lighted, and the dual mode card reader 1 is detachably connected to the external host 30 through the connection module 14.

The microcontroller 16 is configured to control the operation of the dual-mode card reader 1 (such as power transmission control or data transmission control), and allows the non-contact when the contact type read/write module 12 has been inserted into the verification chip card 22. The contact type reading and writing module 10 and the stored value sensing card 10 perform data transmission.

For example, when an employee wants to use the dual-mode card reader 1 (for example, storing or debiting the stored value card 20 of the consumer), the verification chip card owned by the employee must be first used. The contact type read/write module 12 is inserted into the touch mode module 12, so that the dual mode card reader 1 can allow the contactless read/write module 10 to perform data transmission with the stored value card 20 of the consumer.

In another embodiment of the present invention, the microcontroller 16 further includes a hub module 160, one end of which is electrically connected to the contactless read/write module 10 and the contact type read/write module 12, and the other end is electrically The connection module 14 is connected.

The host computer 30 can be connected to the microcontroller 16 through the connection module 14 and wirelessly connected to the stored value sensor card 20 of the contactless read/write module 10 through the hub module 160 of the microcontroller 16. The verification chip card 22 connected to the contact type read/write module 12 performs data transmission. For example, the host device 30 can obtain the identification data 32 of the verification chip card 22 through the contactless read/write module 10, and obtain the stored value data of the stored value sensor card 20 through the contact type read/write module 12. . After the consumer completes the consumption, the host 30 can generate and transmit a consumption data (such as the consumption data 36 shown in FIG. 5), such as consumption details, value-added amount, and consumption amount. Or any combination of the above to the dual mode card reader 1 whereby the stored value proximity card 20 or/and the verification chip card 22 are written.

In another embodiment of the present invention, the microcontroller 16 further includes a verification module 162 electrically connected to the hub module 160 for obtaining the identification data 32 stored by the verification chip card 22 and performing verification. The microcontroller 16 allows the contactless read/write module 10 and the stored value proximity card 20 to perform data transmission when the verification module 162 verifies that the identification data 32 is correct.

For example, if the identification data 32 is an employee number, the verification module 162 can determine, according to a permission data, whether the employee number recorded in the verification wafer card 22 currently inserted has the operation authority, and if the verification chip card 22 The recorded employee number has the operation authority, and the contactless reading and writing module 10 is enabled to permit data transmission with the stored value sensing card 10; otherwise, the contactless reading and writing module 10 is disabled. In this embodiment, the dual-mode card reader 1 can be built with the permission data, or connected to the host 30 to obtain the permission data, or connected to a remote server 50 via the Internet 40 to obtain the permission data. , not limited.

In another embodiment of the present invention, the microcontroller 16 further includes a processing module 164 electrically connected to the hub module 160. The processing module 164 receives the consumption data 36 generated by the host and the identification data 32 recorded by the verification wafer card 22, and maps the identification data 32 to the consumption data 36. Moreover, the processing module 164 is further responsible for controlling the contactless reading and writing module 10, so as to update the stored value data 34 of the stored value sensing card 20 according to the consumption data 36. At the same time, in order to effectively record the consumption data 36, the processing module 164 is also responsible for controlling the contactless reading and writing module 10 or/and the contact type reading and writing module 12, thereby transmitting the consumption data 36 to the stored value sensing. The card 20 or/and the verification wafer card 22 are stored.

The present invention associates the identification data 32 of the employee responsible for a transaction with the consumption data 36 generated by the transaction, and stores it in the stored value sensing card 20 or/and the host 30, thereby discovering the consumption afterwards. When the information 36 is a problem transaction, the employee who is responsible for the transaction is known according to the corresponding identification data 32, and the responsibility can be clarified. Moreover, the present invention stores the consumption data 36 of the transaction for which the employee is responsible, in the verification wafer card 22 of the employee, Employees count and know the number or amount of transactions they have completed.

It is to be noted that the hub module 160, the verification module 162, and the processing module 164 can be implemented by using a hardware module (such as an integrated circuit of an electronic circuit or a burned digital circuit), or Software module implementation (such as Application Programming Interface (API) or firmware) is not limited.

The dual-mode card reader 1 further includes a card reader housing 180 that encloses the contactless read/write module 10, the contact reader module 12 and the microcontroller 16 for protection. Referring to FIG. 2, it is a schematic diagram of the appearance of a dual mode card reader according to a first embodiment of the present invention. As shown in FIG. 2, the connection module 14 is a universal serial bus (USB) connector. The card reader housing 180 encloses most of the components of the dual mode card reader 1 and only the connection module 14 and its transmission line are exposed outside the card reader housing 180.

The stored value proximity card 20 performs data transmission with the dual mode card reader 1 using radio frequency identification (RFID) technology. The verification chip card 22 is an employee identification card, and the employee identification card is printed with information sufficient to identify the employee (such as an employee photo 220a or an employee name 220b).

In the case that the connection module 14 is connected to the host 30 (as shown in FIG. 1), if the employee wants to use the dual-mode card reader 1 to perform data transmission with the stored value proximity card 20, the employee's The verification chip card 22 is inserted into the wafer read/write interface 120, and after the dual mode card reader 1 verifies that the verification chip card 22 is correct, the dual mode card reader 1 and the stored value sensor card 20 can be configured to perform data. transmission.

In this embodiment, the dual-mode card reader 1 further includes a printed circuit board (not shown) disposed at an intermediate position of the card reader housing 180. The contactless read/write module 10 is electrically connected to one side of the printed circuit board and adjacent to the top surface of the card reader housing 180. When the customer wants to use the stored value proximity card 20 for transaction, the stored value proximity card 20 is placed on the top surface of the dual mode card reader 1. The contact type read/write module 12 is electrically connected to the other side of the printed circuit board relative to the contactless read/write module 10 and is adjacent to the bottom surface of the card reader housing 180. The card reader housing 180 defines an opening near the bottom surface, and the opening corresponds to the card slot of the contactless read/write module 10. When the employee wants to use the verification chip In the case of the card 22, the verification chip card 22 is mainly inserted into the opening of the bottom surface of the dual-mode card reader 1 and inserted into the card slot of the contactless read/write module 10. At the same time, the connection module 14 is mainly electrically connected to the same surface of the printed circuit board as the contactless read/write module 10, but is not limited thereto.

Continuing to refer to FIG. 3, it is a flowchart of a card reading method according to a first embodiment of the present invention. The card reading method of this embodiment is mainly realized by the dual mode card reader 1 shown in FIG.

Step S300: The dual mode card reader 1 determines whether the verification chip card 22 has been inserted. If the dual-mode card reader 1 determines that the contact-type read/write module 12 has been inserted into the verification chip card 22, step S302 is performed; if the dual-mode card reader 1 is not inserted into the verification chip card 22, The stored value proximity card 20 is sensed by the contactless read/write module 10.

Step S302: The dual-mode card reader 1 reads the identification data 32 of the verification chip card 22. Preferably, after the verification chip card 22 is inserted into the contact type read/write module 12, the dual mode card reader 1 can read the identification data 32 of the verification chip card 22. Furthermore, the dual-mode card reader 1 can transmit the identification data 32 to the host 30 via the connection module 14.

Step S304: The dual mode card reader 1 verifies whether the identification data 32 is correct. If the identification data 32 is verified to be correct, step S306 is performed, otherwise the card reading operation is ended. In more detail, the dual-mode card reader 1 can verify whether the identification data 32 is correct according to the authority data, that is, whether the currently inserted verification chip card 22 has operational authority by the authority data. If the verification chip card 22 has the operation authority, the contactless read/write module 10 is enabled to permit data transmission with the stored value proximity card 20; otherwise, the contactless read/write module 10 is disabled and the reading is terminated. Card operation.

Step S306: The dual-mode card reader 1 reads the stored value data 34 of the stored value sensing card 20. Preferably, if the stored value sensing card 20 is located within the sensing range of the contactless reading and writing module 10, the dual mode card reader 1 can read the stored value sensing card through the contactless reading and writing module 10. The stored value data of 20 is 34. Further, the dual-mode card reader 1 transmits the stored value data 34 to the host 30 via the connection module 14.

Step S308: The dual mode card reader 1 receives the consumption data 36 from the host computer 30. Preferably, the host 30 can generate the consumption data 36 according to the current transaction behavior of the consumer and the stored value data 34 of the stored value sensing card 20, and return it to the dual mode card reader 1. In this embodiment, the consumption data 36 may mainly include an added amount or a consumption amount, but is not limited.

Step S310: The dual mode card reader 1 updates the stored value data 34 of the stored value proximity card 20. Preferably, the dual mode card reader 1 updates the card balance of the stored value data 34 according to the consumption data 36.

It is to be noted that, in another embodiment of the present invention, the dual-mode card reader 1 can also omit the step S304, and only determine whether the dual-mode card reader 1 has been inserted into the verification chip card 20, It is not verified whether the identification data 32 is correct.

4 is a schematic diagram of a host architecture of a first embodiment of the present invention for explaining how the dual mode card reader 1 of the present invention interacts with the host 30 to generate the above-mentioned transaction behavior for the consumer. The consumption profile 36, as well as the identity of the employee responsible for the transaction.

As shown in FIG. 4, in the embodiment, the host device 30 includes a human interface 300, a printer 302, a processor 304, and a transmission module 306. The processor 304 is electrically connected to the human interface 300. The printer 302 and the transmission module 306 are configured to integrate and transmit data and instructions. The host 30 is also electrically connected to the connection module 14 of the dual-mode card reader 1 to receive the stored value data 34 and the identification data 32 by the dual-mode card reader 1 and transmit the consumption data 36 to the Dual mode card reader 1.

The host 30 is primarily a transaction device that is placed in a particular store to provide the consumer with self-service transactions. The dual-mode card reader 1 of the present invention is mainly used in conjunction with the host 30 for the consumer to perform the stored value and deduction of the stored value card 20 during the transaction, and assists the host 30 to record the current The identification data of the employee responsible for the above transaction 32. When the host 30 is described below, it will be exemplified by a self-service ordering device installed in a restaurant, but not limited thereto.

The human interface 300 is mainly a touch display screen for displaying a menu material of the store and accepting the order operation of the consumer.

The processor 304 obtains the identification data 32 of the verification chip card 22 and the stored value data 34 of the stored value card 20 from the dual-mode card reader 1 and performs the identification data 32 and the stored value data 34. The record, wherein the identification data 32 primarily corresponds to the current employee's information on duty.

When the consumer 20 makes a self-service meal, the processor 304 generates a meal information according to the consumer's ordering operation, and at the same time, according to the card balance of the stored value card 20, the current meal amount and the calculated income. The remaining amount is matched with the order information to generate the consumption data 36, and the consumption data 36 is corresponding to the identification data 32 and stored. The processor 30 then transmits the consumption data 36 to the dual mode card reader 1 to cause the dual mode card reader 1 to update the stored value data 34 of the stored value sensor card 20 according to the consumption data 36.

In another embodiment of the present invention, the processor 304 can further record the identification data 32 to the stored value sensing card 20 via the dual mode card reader 1 . Thereby, the stored value sensing card 20 can simultaneously record all the consumption data 36 and the identification data 32 of the employee in charge of the transaction, so as to clarify the attribution of responsibility.

In another embodiment of the present invention, the processor 304 can further record the consumption data 36 to the verification wafer card 22 via the dual mode card reader 1. Thereby, the verification wafer card 22 can simultaneously record the consumption data 36 of all transactions that the employee is responsible for, and the employee can count and know the number or amount of transactions completed by the employee.

After the consumer orders the meal and the stored value data 34 of the stored value card 20 is updated, the host 30 prints the invoice through the printer 302. On the other hand, the printer 302 can also print the meal points ordered by the consumer as a one-off meal list according to the order information, thereby facilitating the consumer to compare at the time of taking the meal.

The processor 304 can further transmit the stored value data 34, the consumption data 36, and the identification data 32 to the outside via the transmission module 306. More specifically, the host 30 is connected to the Internet 40 through the transmission module 306. The processor 304 can transmit the stored value 34, the consumption data 36 and the identification data 32 to the transmission module 306. The remote server 50. The remote server 50 can record the stored value data 34, the consumption data 36 and the identification data 32 into a member database (not shown), whereby the member database stores all of the stores. transaction The behavior, and the stored value data 34 recorded in the member database may correspond to the actual card balance of the stored value proximity card 20.

Please refer to FIG. 5 , which is a schematic diagram of the dual-mode card reader and the host according to the first embodiment of the present invention.

As shown in FIG. 5, in the embodiment, the dual-mode card reader 1 is connected to the host 30 via the connection module 14. After the employee inserts the verification chip card 22 into the dual-mode card reader 1, the human-machine interface 300 of the host computer 30 (in the embodiment, the human-machine interface 300 is based on a touch screen) can be displayed. The identification data 32 of the employee (in the present embodiment, "employee: XXX").

After the consumer moves the stored value sensing card 20 into the sensing range of the contactless reading and writing module 10 of the dual mode card reader 1, the human interface 300 of the host 30 can display the stored value sensing. The stored value data 34 of the card 20 (in this embodiment, "member name: OOO" and "card balance: $300").

After the consumer performs the payment transaction, the processor 304 of the host 30 can further generate the card based on the card balance of the stored value data 34 of the stored value card 20, the current meal amount, and the calculated remaining amount. The consumption data 36 (in the present embodiment, "meal amount: $100" and "card balance: $200"), and the consumption data 36 is transmitted to the display of the human interface 300. After the consumer determines to order, the host 30 updates the stored value data 34 of the stored value sensing card 20 through the dual mode card reader 1. In this embodiment, the stored value is based on the consumption data 36. The stored value data 34 of the proximity card 20 is updated to "$200".

Please refer to FIG. 1 and FIG. 6 simultaneously. FIG. 6 is a stored value flowchart of a second embodiment of the present invention. In this embodiment, the host 30 takes a stored value device as an example. The simulation scenario in which the dual mode card reader 1 of the present invention is applied to stored value transactions will be described below with reference to FIG.

Before the consumer wants to use the stored value sensing card 20 for self-service ordering, the stored value sensing card 20 (or a smart mobile device directly identifying the built-in NFC chip) needs to be processed first, and the host 30 is The stored value sensing card 20 performs a stored value (step S600).

The dual mode card reader 1 connected to the host 30 can simultaneously read the stored value proximity card 20 and the verification wafer card 22 of the employee currently on duty. When the employee goes to the consumer When the cash is received, the host 30 is operated to generate the corresponding consumption data 36 (in the embodiment, the consumption data 36 is the added amount and the remaining amount after the stored value sensor 20 is added) (step S602). And the identification material 32 of the verification wafer card 22 is simultaneously recorded (step S604).

Then, the host 30 uploads the consumption data 36 and the identification data 32 to the remote server 50 (step S606), so that the remote server 50 stores the stored data 36 and the identification data 32 according to the consumption data 36 and the identification data 32. The data of the remote server 50 is updated (step S608). After the remote server 50 is updated, the host 30 transmits the consumption data 36 to the dual-mode card reader 1 to update the stored value data 34 of the stored value sensing card 20 (step S610). Through the above steps, the stored value operation of the stored value sensing card 20 can be completed, and at the same time, the store clerk at the time when the stored value transaction is generated is recorded.

It is worth mentioning that if the transaction behavior is a debit transaction, the action of the host 30 uploading the consumption data 36 may be a batch operation. If the transaction behavior is a stored value transaction, the aforementioned action of uploading the consumption data 36 with the identification information of the store clerk and updating the card balance of the stored value data 34 of the stored value proximity card 20 must be an immediate job. In other words, if the host 30 cannot access the Internet, the stored value sensing card 20 cannot be stored. In this way, there will be no risk of tampering with the stored value of the person concerned, causing damage to the consumer or store.

In another embodiment of the present invention, the host 30 and the remote server 50 can transmit the consumption data 36 and the identification data 32 using an encryption mechanism (such as ISO 8583). In more detail. Before the host 30 uploads the consumption data 36 and the identification data 32 to the remote server 50, the encrypted data key obtained from the remote server 50 can be used to perform the consumption data 36 and the identification data 32. Encryption processing. Moreover, after receiving the encrypted consumption data 36 and the identification data 32, the remote server 50 may use the encrypted private key corresponding to the encrypted public key to encrypt the encrypted consumption data 36 and the The identification data 32 is decrypted to obtain the unencrypted consumption data 36 and the identification data 32.

The dual-mode card reader of the invention can make the transaction of the stored value proximity card unable to be transmitted by the dual-mode card reader without the transaction authority, and can provide higher transaction security. Sex. Moreover, the identification information of the person in charge of the transactions is recorded at the same time as the transaction, so as to clarify the attribution of responsibility after the event.

The above is only a specific description of a preferred embodiment of the present invention, and is not intended to limit the scope of the invention, and any other equivalents are intended to be within the scope of the appended claims.

1‧‧‧Double Mode Card Reader

10‧‧‧Contactless Reading and Writing Module

100‧‧‧Antenna Module

102‧‧‧Wireless transceiver

12‧‧‧Contact Reader Module

120‧‧‧wafer read and write interface

14‧‧‧Connecting module

16‧‧‧Microcontroller

160‧‧‧ Hub Module

162‧‧‧ verification module

164‧‧‧Processing module

180‧‧‧Reader housing

20‧‧‧ stored value card

22‧‧‧Verification wafer card

30‧‧‧Host

40‧‧‧Internet

50‧‧‧Remote Server

Claims (8)

A dual-mode card reader, which is installed in a store, includes: a non-contact type read/write module for wirelessly sensing a stored value sensor card for data transmission, wherein the stored value sensor card corresponds to a consumer; a contact type reading and writing module for plugging in a verification chip card for data transmission, wherein the verification chip card corresponds to an employee of the store or the store; and a connection module for connecting an external host for data Transmitting; and a microcontroller electrically connecting the contactless read/write module, the contact type read/write module and the connection module, the microcontroller comprising a verification module, the microcontroller being in the contact type When the read/write module has been inserted into the verification chip card, an identification data of the verification chip card is read by the contact type read/write module, and the read identification data is verified by the verification module, and When the verification is correct, the non-contact type reading and writing module is allowed to perform data transmission with the stored value sensing card by wireless sensing to read a stored value data of the stored value sensing card; wherein the microcontroller will obtain a consumption data when Identification Corresponds to the consumption information, and based on the control information corresponding to the consumption of the non-contact reader module to update the data of the stored value gift cards induction, or after consumption of the corresponding data stored in the host. The dual-mode card reader of claim 1, wherein the microcontroller comprises a hub module, the hub module is electrically connected to the contactless read/write module and the contact type read/write module at one end, and the other end The connection module is electrically connected, and the host transmits data to the stored value sensing card and the verification chip card. The dual-mode card reader of claim 1, wherein the microcontroller comprises a processing module electrically connected to the hub module, the dual-mode card reader acquiring the consumption data by the host, the processing module The contact type read/write module is controlled to transmit the consumption data to the verification wafer card. The dual-mode card reader of claim 1, wherein the non-contact type read/write module comprises: an antenna module for transmitting and receiving a transmission signal and a reception signal; and a wireless transceiver electrically connecting the antenna The module is configured to modulate a transmission data as the transmission signal and transmit the signal to the antenna module, and demodulate the received signal received by the antenna module into a received data, wherein the transmission data and the received data The stored value data. The dual mode card reader of claim 1, wherein the contact read/write module comprises a wafer read/write interface for actually contacting the verification chip card for data transmission. The dual-mode card reader of claim 1, wherein the connection module is a universal serial bus (USB) connector, and the host is detachably connected; the contactless read/write module is radio frequency identification (RFID) Module or Near Field Communication (NFC) module. The dual-mode card reader of claim 1, further comprising a card reader housing covering the contactless read/write module, the contact type read/write module, and the microcontroller. A card reading method for the dual-mode card reader according to claim 1, wherein the dual-mode card reader is installed in the store, the card reading method comprises the following steps: a) the dual-mode card reader determines whether The verification chip card is inserted, wherein the verification chip card corresponds to an employee of the store or the store; b) when the verification chip card is inserted, the verification chip card is read by the contact type read/write module An identification data; c) verifying whether the identification data is correct; d) reading the stored value data of the stored value sensing card through the contactless reading and writing module when the identification data is verified correctly, wherein the stored value sensing card is Corresponding to the consumer; e) receiving a consumption data; f) corresponding the identification data to the consumption data; and g) controlling the contactless reading and writing module according to the corresponding consumption data to update the stored value sensing card The stored value data or the corresponding consumption data is stored in the host.