TWM494362U - Portable payment device - Google Patents

Description

Portable payment device

The present invention relates to the field of financial payment technology, and more particularly to a portable payment device.

Nowadays, integrated circuit cards with financial transaction functions, that is, financial IC cards, are increasingly appearing in people's lives. Such financial IC cards are issued by commercial banks or payment institutions, using integrated circuit technology, and have all or part of financial functions such as consumer credit, transfer settlement, cash access, etc., and may have other commercial services and social management functions. Become an important payment tool in people's lives.

Usually, the IC card must be operated by a professional card reader or a device such as an ATM or a POS machine, which has certain limitations for the application of the IC card. In order to promote the expansion of financial IC card business and large-scale market applications, banking institutions are actively developing various acceptance channels, and constantly introducing more easy-to-use terminals, faster communication, and a more flexible transaction acceptance environment. At present, in order to meet the payment needs of users in the Internet and mobile network environment, a card reader such as an audio interface or an Internet payment terminal of a USB interface has gradually appeared on the market. The emergence of such products has reduced the cardholder's dependence on professional equipment and service outlets, which is convenient for users.

However, currently payment instruments such as financial IC cards are still in a state in which the card players are separated, and a separate intermediate device such as a card reader is required to operate the cards, so that the user's use cost is increased and the operation convenience is poor.

In order to solve the above problems, the present invention provides a portable payment device, which integrates a financial IC card module and an online transaction module, and also integrates a USB communication module with a USB interface and/or An audio communication module with an audio interface card; wherein the financial IC card module, the USB communication module, and the audio communication module are respectively coupled to the online transaction module.

According to some embodiments of the present invention, the payment device further integrates an antenna module, and the financial IC card module is coupled to the antenna module.

According to some embodiments of the present invention, the financial IC card module is coupled to the online transaction module through an ISO7816 interface.

According to some embodiments of the present invention, the payment device further includes a security module for establishing a secure channel during the transaction, wherein the security module is coupled to the online transaction module.

According to some embodiments of the present invention, the payment device is further integrated with a Bluetooth communication module, and the Bluetooth communication module is connected to the online transaction. The module is coupled.

According to some embodiments of the present invention, the audio interface card is a standard 3.5 mm 4-core earphone plug.

According to some embodiments of the present invention, the audio interface plug-in is constructed as a foldable audio interface plug-in.

According to some embodiments of the present invention, the payment device further includes a transaction anti-hijacking button.

According to some embodiments of the present invention, the payment device is further integrated with an indicator light for prompting the transaction to proceed normally.

According to some embodiments of the present invention, the payment device further includes a power module that provides power when the audio communication module is used.

According to some embodiments of the invention, the payment device is constructed as a box-like structure.

The embodiment of the present invention provides a portable payment product with USB and/or audio communication functions, which solves the problem of the separation of card machines of payment instruments such as financial IC cards, so that the mobile payment device held by the user has The ability to access the network directly from a PC or mobile communication terminal for online transactions without the need for an external card reader provides convenience to the user.

1‧‧‧Upper shell

2‧‧‧ lower case

3‧‧‧Audio Interface Plugin

4‧‧‧ boards

5‧‧‧ button battery

6‧‧‧ indicator light

7‧‧‧Anti-transaction hijacking touch buttons

8‧‧‧USB interface

100‧‧‧(portable) payment device

300‧‧‧Portable payment device

The foregoing and other objects, features, and advantages of the invention will be apparent from

FIG. 1 schematically shows a block diagram of a portable payment device in accordance with an embodiment of the present invention.

2a-2c schematically illustrate perspective views of a portable payment device in accordance with one embodiment of the present invention.

FIG. 3 schematically illustrates an application scenario of a portable payment device in accordance with an embodiment of the present invention.

The present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It is to be understood that in the claims

FIG. 1 schematically shows a block diagram of a portable payment device in accordance with an embodiment of the present invention. The portable payment device 100 can basically integrate a financial IC card module and an online transaction module, and can further integrate a USB communication module with a USB interface or an audio communication module with an audio interface plug-in or a USB interface at the same time. Both the USB communication module and the audio communication module with an audio interface plug-in.

The financial IC card module can be implemented, for example, as a financial IC chip. According to an embodiment of the present invention, the financial IC card module can be configured to comply with the PBOC specification of the People's Bank of China. On the one hand, the module can be coupled to the online transaction module through the ISO7816 interface to perform transactions in the contact mode; on the other hand, in the case where the payment device 100 is integrated with the antenna module, the module can also be combined with the antenna. Modules are coupled to be in contactless mode Work for near-field trading. There is no need to modify existing non-contact card readers.

The online transaction module is used for information interaction and data processing between the financial IC card module, the USB communication module, and the audio communication module, which can substantially implement functions such as a card reader device.

The USB communication module has a USB interface, which is implemented based on the USB standard and conforms to the USB CCID (Chip/Smart Card Interface Devices) protocol, so that the payment device 100 can be directly connected to the same USB communication module. Processing equipment, such as personal computers, mobile communication terminal equipment, and the like. Applications on these processing devices can interact with the payment device via the PC/SC programming interface and in accordance with the CCID protocol. The payment device 100 thus has the ability to be directly accessed by a PC or mobile communication device for online transactions.

The audio communication module has an audio interface plug-in and may include a corresponding hardware codec unit for modulating and demodulating the analog audio signal. The audio interface card can be, for example, a standard 3.5mm 4-pin earphone plug that matches the audio interface of a device such as a personal computer, mobile communication terminal, etc., such that an audio analog signal can be transmitted between the payment device 100 and the processing device. Further, bidirectional modulation and demodulation of the digital signal can be performed on the audio analog signal, such as encapsulation of the payment operation instruction by an API for audio communication. The payment device 100 thus has the ability to be directly accessed by a PC or mobile communication device for online transactions. To make the size of the payment device portable, in accordance with some embodiments of the present invention, the audio interface card can be constructed to be foldable.

Preferably, the audio communication module can also be configured to automatically identify and adapt to the two existing 3.5 mm headphone line definition standards, one of which follows the L (left channel) and R (right) from the end of the plug. Line), MIC (microphone), GND (ground) are arranged, and another line sequence is arranged by L (left channel), R (right channel), GND (ground), MIC (microphone).

In the case that the payment device 100 includes three antenna modules, a USB communication module, and an audio communication module, the payment device 100 can perform transactions in three modes of contactless card, USB access, and audio access, and It can be configured to work only in one of the modes, and the priority of the operating mode depends on which mode the connection is first established with the processing device. In the contactless card mode, the payment device 100 does not need to access any device, but only conducts transactions through a contactless interface such as a conventional contactless financial IC card. In the USB access mode, the payment device 100 can access the USB interface of the processing device, and only online transactions can be performed at this time. In the audio access mode, the payment device 100 accesses the audio interface of the processing device, and can only perform online online transactions.

Optionally, the payment device 100 can also be integrated with other communication modules, such as a Bluetooth communication module, a WiFi communication module, an Ethernet communication module, etc., such a communication module is coupled with an online transaction module, so that the payment device The 100 can communicate more flexibly with the access device for online transactions.

Alternatively, in order to ensure the security of the transaction, the payment device 100 may also integrate a security module, which is used to establish a secure channel during the transaction. The security module can be coupled to an online transaction module for funding Communication interaction. In the case where the payment device 100 is integrated, for example, with a WiFi communication module, the security module can be used to solve the problem of secure authentication and secure data transmission in remote transactions.

Optionally, in order to improve the completeness of the transaction, the payment device 100 may further integrate a transaction anti-hijacking button for performing anti-hijacking processing during the transaction. According to some embodiments of the present invention, in the case that the user conducts an online transaction through the transaction device 100, the user generally first inputs an online PIN code on the access device, and the access device further encrypts the online PIN code to generate a PIN ciphertext and The PIN ciphertext is sent back to the payment device. At this time, the access device may prompt the user to touch the transaction anti-hijacking button on the payment device through the corresponding display interface to ensure that the cardholder confirms the transaction in an informed manner. If the user does not touch the button within the specified time, the transaction is ended; otherwise, the transaction is continued and completed.

Further optionally, the payment device 100 can also integrate a power module that is used to provide power and perform power management when the audio communication module is used. In some embodiments, the power module can include a button battery for powering.

The payment device 100 can optionally also be integrated with an indicator light for prompting the transaction to proceed normally. When the payment device 100 accesses the processing device to start work or confirms the transaction, the indicator light may flash to prompt the device to start work or to confirm the work.

2a-2c schematically illustrate perspective views of a portable payment device in accordance with one embodiment of the present invention. In some embodiments of the present invention, the payment device can be constructed as a box-like structure. Figure 2a shows the The overall shape of the payment device of this embodiment, wherein the audio interface card is disposed on the side of the body of the payment device and is foldable. The state in which the audio interface plug-in is open is shown in Figure 2b.

Figure 2c shows an exploded configuration of the payment device, where 1 is the upper casing of the payment device; 2 is the lower casing of the payment device; 3 is the audio interface card; 4 is the circuit board inside the payment device, which can be integrated on the circuit board Security module, financial IC card module, online transaction module, USB communication module, audio communication module and power module; 5 is button battery; 6 is indicator light; 7 is anti-trafficking touch button; 8 For the USB interface.

Those skilled in the art will appreciate that the payment device configurations illustrated in Figures 2a-2c are merely illustrative and not limiting. In general, the payment device according to the present embodiment can be implemented to be small and portable in overall size, and its shape and volume can preferably be matched with mobile terminals such as mobile phones.

FIG. 3 schematically illustrates an application scenario of a portable payment device 300 in accordance with an embodiment of the present invention. In a conventional solution, a payment instrument such as a financial IC card needs to operate a card through a card reader such as an internet payment terminal, and the application of such a payment instrument depends on an intermediate processing device. According to the embodiment of the present invention, the payment device 300 can directly connect to the processing device to complete the transaction, such as a personal computer or a smart phone, and no longer relies on an intermediate processing device like a card reader, which greatly improves the convenience of operation, especially Applicable to users who use a single account in a relatively centralized manner.

It should be noted that the above specific embodiments are only used to illustrate the technical solutions of the present invention and are not limited thereto. Despite the above specific The present invention has been described in detail, and those skilled in the art will understand that the embodiments of the present invention can be modified or equivalently substituted without departing from the spirit of the invention. Within the scope of the new request protection.

100‧‧‧(portable) payment device

Claims (11)

A portable payment device, characterized in that it integrates a financial IC card module and an online transaction module, and also integrates a USB communication module with a USB interface and/or an audio communication module with an audio interface plug-in; The financial IC card module, the USB communication module and the audio communication module are respectively coupled to the online transaction module. The portable payment device of claim 1, wherein the payment device further comprises an antenna module, and the financial IC card module is coupled to the antenna module. The portable payment device of claim 1, wherein the financial IC card module is coupled to the online transaction module through an ISO7816 interface. The portable payment device of claim 1, wherein the payment device further comprises one or more of a Bluetooth communication module, a WiFi communication module, and an Ethernet communication module, the one or more A plurality of communication modules are coupled to the online transaction module. The portable payment device of claim 1, wherein the payment device further comprises a security module for establishing a secure channel during the transaction, wherein the security module is coupled to the online transaction module. . The portable payment device of claim 1, wherein the audio interface card is a standard 3.5 mm 4-core earphone plug. The portable payment device of claim 1, wherein the audio interface plug-in is constructed as a foldable audio interface plug-in. The portable payment device according to claim 1, wherein The payment device further includes a transaction anti-hijacking button. The portable payment device of claim 1, wherein the payment device further integrates an indicator light for prompting the transaction to proceed normally. The portable payment device of claim 1, wherein the payment device further comprises a power supply module that provides power when the audio communication module is used. The portable payment device of claim 1, wherein the payment device is constructed as a box-like structure.