WO2009132475A1 - Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab - Google Patents

Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab Download PDF

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Publication number
WO2009132475A1
WO2009132475A1 PCT/CN2008/000870 CN2008000870W WO2009132475A1 WO 2009132475 A1 WO2009132475 A1 WO 2009132475A1 CN 2008000870 W CN2008000870 W CN 2008000870W WO 2009132475 A1 WO2009132475 A1 WO 2009132475A1
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WO
WIPO (PCT)
Prior art keywords
circuit
settlement terminal
card
bank
core
Prior art date
Application number
PCT/CN2008/000870
Other languages
English (en)
Chinese (zh)
Inventor
郭建国
毛星原
Original Assignee
Guo Jianguo
Mao Xingyuan
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Guo Jianguo, Mao Xingyuan filed Critical Guo Jianguo
Priority to PCT/CN2008/000870 priority Critical patent/WO2009132475A1/fr
Publication of WO2009132475A1 publication Critical patent/WO2009132475A1/fr

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/28—Data switching networks characterised by path configuration, e.g. LAN [Local Area Networks] or WAN [Wide Area Networks]
    • H04L12/2803—Home automation networks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • the invention relates to a "networked family bank IC card and ATM credit card dual-purpose settlement terminal", referred to as: a family bank settlement terminal.
  • a family bank settlement terminal Specifically, it is applicable to RFIC cards (referred to as: bank IC cards), ISO/IEC14443A&B and ISO/IEC15693 standard RFIC cards, bank magnetic stripe ATM credit cards, and PBOC 2.0 standards that can be accepted by the Bank in accordance with the PBOC 2.0 standards promulgated by the Bank of China.
  • the family bank settlement terminal can also carry out digital certification of the second generation ID card of Chinese citizens. Background technique
  • Family banks can be broadly divided into telephone banking, video terminal, home banking, etc.
  • telephone banking is the mainstay of Telephone Banking.
  • the business handled by the family bank generally has the following types: • payment of utility fees, credit card payment and purchase payment, etc.; • transfer of funds between different accounts; • account details inquiry; • financial information inquiry. Since the mid-1990s, with the gradual popularization of the Internet and the Internet as a service channel, home users can access a variety of banking products and services by visiting the bank's website.
  • EMV the smart card financial payment application standard established by the three international credit card organizations Europay, Mas-terCard and VISA.
  • EMV the smart card financial payment application standard established by the three international credit card organizations Europay, Mas-terCard and VISA.
  • European and Asian regions have adopted the EMV standard bank IC card, due to the long-term development of China's bank card industry and the security of financial payment, China has insisted on formulating and promulgating a new version of China's financial integrated circuit (IC) card specification.
  • the standard can be said to be China's own 'EMV' standard (financial IC card - PBOC 2.0).
  • the present invention is to adapt to the PBOC 2.0 specification and the current market situation, and proposes a "networked home banking IC card and ATM credit card dual-purpose settlement terminal" for home multi-function applications. Summary of the invention
  • the invention provides a kind of PBOC2.0 standard silver for accepting the EMV migration plan of the Bank of China.
  • the settlement side of the dual-use networked family bank IC card and ATM credit card for IC card and magnetic strip ATM credit card (referred to as: home bank settlement terminal).
  • the technical solution for achieving the object of the present invention is: a networked family bank IC card and an ATM credit card dual-purpose settlement terminal, the settlement terminal includes a core processing unit, a magnetic card reading circuit unit and an RFIC card reading circuit unit; the core processing unit includes a core micro The processor and the Ethernet interface circuit, the Ethernet interface circuit are connected to the core microprocessor; the magnetic card reading circuit unit and the RHC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor.
  • the core processing unit further includes a memory (flash, SDRAM) audio circuit (Audio), a display circuit (TFT LCD), a keyboard circuit (Keyboard), a DCPL-Bus interface, and a power supply voltage stabilization circuit.
  • a memory flash, SDRAM
  • Audio audio circuit
  • TFT LCD display circuit
  • Keyboard keyboard circuit
  • DCPL-Bus interface DCPL-Bus interface
  • the core microprocessor uses an ARM9 or ARM7 series of microcontrollers.
  • the magnetic card reading circuit unit is composed of a key 2 micro control circuit and a magnetic card reader.
  • the RFIC card read/write circuit unit is composed of a key 1 micro control circuit and a read/write circuit.
  • the Ethernet interface circuit may include an Ethernet chip, a transformer, and an RJ45 interface circuit.
  • the Ethernet chip is connected to one end of the transformer, and the other end of the transformer is connected to the RJ45 interface circuit.
  • the RJ45 interface circuit of the "home bank settlement terminal” can be connected to an Ethernet or connected to a telephone line through an ADSL modem. At this time, "Home Bank Settlement Terminal” is called “Desktop Terminal”.
  • USB interface of the "family bank settlement terminal” can be connected to a personal computer, and the personal computer is connected to the Ethernet. At this time, the "family bank settlement terminal” is called “USB interface type terminal”.
  • the "family bank settlement terminal” is a dual-purpose settlement terminal capable of performing a networked self-service form of a magnetic strip ATM credit card and a bank IC card for settlement and withdrawal of various banking services in a home.
  • the settlement terminal can perform account information inquiry, transfer, e-wallet withdrawal, levy, bank information release, various settlement fund business settlement, traffic card charging and other services.
  • the withdrawal function of the "family bank settlement terminal" of the present invention is realized as follows: After the credit card ATM card or the bank IC card is used for the "home bank settlement terminal" card and key operation, and the withdrawal information is notified to the bank for confirmation, the The amount information is returned to the "Home Bank Settlement Terminal" on the customer bank IC card, and the "Home Bank Settlement Terminal” check data, and the return information is sent to the bank to confirm the already filled withdrawal amount information.
  • the "family bank settlement terminal” can apply magnetic stripe ATM credit card, bank IC card, or magnetic strip ATM credit card and bank IC card. Card.
  • the family bank settlement terminal can also carry out the digital certification of the second generation ID card of Chinese citizens.
  • the "home bank settlement terminal” further includes a wireless communication unit connected to the core microprocessor.
  • the wireless communication unit adopts China's TD-SCDMA broadband wireless communication module, or adopts The WCDMA/CDMA2000/GPRS wireless communication module enables the home bank settlement terminal to communicate with the outside world through wireless communication or Ethernet.
  • “home bank settlement terminal” is called “wall-mounted terminal”.
  • the core processing unit further includes a DCPL-Bus interface and an RS-485 interface, and the DCPL-Bus interface and the RS-485 interface are connected with the core microcontroller to provide management and copying of the home water and electric information terminal and Communication interface for home security systems.
  • the DCPL-Bus interface involved in the "Home Bank Settlement Terminal" is described in China 03132268.
  • 9 Invention Patent: "DCPL Fieldbus and Network Prepaid Bridge for Network Smart Metering Terminals" is described in detail.
  • the invention adopts the DCPL-Bus bus working mode to form a bus shared by the two-wire power supply line and the digital communication line.
  • the invention also has the following beneficial effects:
  • Home Bank Settlement Terminal consists of a core processing unit, a magnetic card reader circuit unit, and an RFIC card read/write circuit unit, which constitutes a home bank settlement terminal in the form of a desktop and a USB interface.
  • the desktop home bank settlement terminal can communicate digitally with a telephone line or an Ethernet network through an ADSL modem, and is suitable for banking services of a home user who does not have a personal computer but can perform wired communication in the network; USB interface type home bank settlement terminal, suitable for computer Internet access Family use.
  • Home Bank Settlement Terminal consists of a core processing unit, a magnetic card reader circuit unit, an RFIC card read/write circuit unit and a wireless communication unit, and constitutes a wall-mounted family bank settlement terminal.
  • the wall-mounted family bank settlement terminal can communicate digitally via wireless communication or Ethernet network, and is suitable for banking services in the network that do not accept personal computers for home users.
  • FIG. 1 is a structural diagram of a circuit of a home bank settlement terminal according to Embodiment 1 of the present invention.
  • FIG. 2 is a structural diagram of a circuit of a home bank settlement terminal according to Embodiment 2 of the present invention.
  • FIG. 3 is a structural diagram of a circuit of a home bank settlement terminal according to Embodiment 3 of the present invention.
  • FIG. 4 is a key node diagram of a communication data of a home bank settlement terminal of the present invention.
  • FIG. 5 is a schematic circuit diagram of a magnetic card reading circuit unit according to an embodiment of the present invention.
  • FIG. 6 is a schematic circuit diagram of an RFIC card read/write circuit unit according to an embodiment of the present invention.
  • Example 7 is a circuit diagram of an Ethernet interface in Example 1 and Embodiment 2 of the present invention.
  • a networked family bank IC card and an ATM credit card dual-purpose settlement terminal includes a core processing unit, a magnetic card reading circuit unit, an RFIC card reading circuit unit, and a wireless communication unit.
  • the core processing unit includes a core microprocessor and an Ethernet interface circuit, and the Ethernet interface circuit is coupled to the P1 end of the core microprocessor.
  • the magnetic card reading circuit unit and the RFIC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor.
  • the microcontroller in the core processing unit uses the ARM9 core S3C2410 microcontroller, which is a microprocessor for network communication asymmetric data encryption.
  • the wireless communication unit adopts the SU130-DIP module of China's TD-SCDMA mobile communication standard.
  • the core processing unit also includes a memory (flash, SDRAM), an audio circuit (Audio), a display circuit (TFT LCD:), a keyboard circuit (Keyboard), a DCPL-Bus interface, an RS-485 interface, and a power supply voltage stabilization circuit.
  • the memory flash, SDRAM
  • the audio circuit Audio
  • the display circuit TFT LCD
  • the keyboard circuit Keyboard
  • the RS-485 interface and the DCPL-Bus interface are respectively connected to the core microcontroller.
  • the memory circuit flash, SDRAM audio circuit (audio), display circuit (TFT LCD), keyboard circuit (Keyboard) uses standard prior art circuit combination.
  • DCPL-Bus interface and RS-485 interface provide management and copy of household water and electricity information terminal and Communication interface for home security systems.
  • autonomous random dynamic classification multiple encryption technology (ECC, DES) is adopted to perform reliable data security network communication.
  • ECC autonomous random dynamic classification multiple encryption technology
  • the mutual authentication and encryption algorithm is performed between the bank IC card and the dedicated read/write module to form the node 1 encrypted data interaction.
  • a private key micro-control circuit and a core microcontroller perform a data encryption engine to form a node 2 encrypted data interaction.
  • the asymmetric composite data is encrypted between the core microcontroller and the bank settlement computer to form node 3 data encryption network communication and mutual data authentication.
  • Magnetic Card Reader Circuit Unit is composed of a key microcontroller Ul, a reset circuit U2, an encrypted memory U3, an ATM magnetic card reader, and peripheral devices.
  • the key microcontroller U1 uses P89LPC936, the encryption memory U3 uses AT88SC1616, the reset circuit U2 uses MAX809, and the Ul, U2, U3 devices are combined into a module structure.
  • the "RFIC card read/write circuit unit” is composed of a key micro-controller IC1, a reset circuit IC2, an encrypted memory IC3, a card reader IC4, and peripheral devices.
  • the key microcontroller IC1 adopts P89LPC936, the encryption memory IC3 adopts AT88SC1616, the reset circuit IC2 adopts MAX809, the card reader IC4 adopts FM1725, and the IC1, IC2, IC3, IC4 devices are combined into a module structure.
  • the RFIC card reading and writing circuit unit adopts Shanghai Fudan Microelectronics FM17xx or Beijing Tongfang Microelectronics THM3050; ⁇ series chips.
  • the Ethernet interface circuit includes an Ethernet chip, a transformer, and an RJ45 interface circuit.
  • the Ethernet interface chip U11 uses DP83848, the crystal drive chip U12 uses CXO7050, the isolation transformer uses J0011D21D, and peripheral components form an Ethernet interface circuit.
  • This embodiment is a wall-mounted family bank settlement terminal, which can perform digital communication through wireless communication or an Ethernet network, and is suitable for banking services in a network that does not connect to a personal computer home user.
  • Example 2
  • the settlement terminal includes a core processing unit, a magnetic card reading circuit unit, and an RFIC card reading circuit unit.
  • the core processing unit includes a core microprocessor and an Ethernet interface circuit, and the Ethernet interface circuit is connected to the P1 end of the core microprocessor.
  • the Ethernet interface circuit is connected to the peripheral ADSL modem.
  • the magnetic card reading circuit unit and the RFIC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor.
  • the microcontroller in the core processing unit uses the ARM7 core LPC23XX series microcontroller.
  • the core processing unit also includes a memory circuit (flash, SDRAM), an audio circuit (Audio), a display circuit (TFT LCD), and a keyboard circuit, which are circuit combinations using standard prior art.
  • This embodiment is a desktop home bank settlement terminal, which can perform digital communication with a telephone line or an Ethernet network through an ADSL modem, and is suitable for a banking service of a home user who does not have a personal computer but can perform wired communication.
  • Example 3
  • USB interface circuit is used to form a USB interface type home bank settlement terminal.
  • the microcontroller in the core processing unit uses the ARM7 core LPC214X. series of microcontrollers.
  • the core processing unit also has a memory circuit (flash, SDRAM), a buzzer circuit, and a light-emitting display circuit (LED), which are circuit combinations using standard prior art.
  • the RFIC card reading and writing circuit is based on Shanghai Fudan Microelectronics FM17xx or Beijing Tongfang Microelectronics THM3050; Key 1 Micro Control Circuit and Key 2
  • the microprocessor in the micro control circuit uses a low power 80C51 system ⁇ U CPU.
  • This embodiment is a USB interface type home bank settlement terminal, and the USB interface is connected to a peripheral personal computer. Suitable for home use on computers.

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  • Engineering & Computer Science (AREA)
  • Automation & Control Theory (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à CI que pour les cartes de crédit sur GAB et comprenant une unité centrale de traitement, une unité à circuit de lecture de cartes magnétiques et une unité à circuit de lecture de cartes RFIC. L’unité centrale de traitement comprend un microprocesseur central et un circuit d’interface Ethernet, ledit circuit d’interface Ethernet étant relié au microprocesseur central. L’unité à circuit de lecture de cartes magnétiques et l’unité à circuit de lecture de cartes RFIC sont reliées respectivement aux interfaces d’E/S du microprocesseur central.
PCT/CN2008/000870 2008-04-29 2008-04-29 Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab WO2009132475A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2008/000870 WO2009132475A1 (fr) 2008-04-29 2008-04-29 Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2008/000870 WO2009132475A1 (fr) 2008-04-29 2008-04-29 Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab

Publications (1)

Publication Number Publication Date
WO2009132475A1 true WO2009132475A1 (fr) 2009-11-05

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Application Number Title Priority Date Filing Date
PCT/CN2008/000870 WO2009132475A1 (fr) 2008-04-29 2008-04-29 Terminal de paiement bancaire sur réseau privé utilisé tant pour les cartes à ci que pour les cartes de crédit sur gab

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6275991B1 (en) * 1996-02-06 2001-08-14 Fca Corporation IR transmitter with integral magnetic-stripe ATM type credit card reader and method therefor
CN1783141A (zh) * 2004-08-05 2006-06-07 艾博托尼·迪·莱莫斯·布洛伊希 利用常驻软件捕获金融和非金融交易的电子多功能设备
CN1997102A (zh) * 2006-12-08 2007-07-11 四川长虹电器股份有限公司 多功能机顶盒

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6275991B1 (en) * 1996-02-06 2001-08-14 Fca Corporation IR transmitter with integral magnetic-stripe ATM type credit card reader and method therefor
CN1783141A (zh) * 2004-08-05 2006-06-07 艾博托尼·迪·莱莫斯·布洛伊希 利用常驻软件捕获金融和非金融交易的电子多功能设备
CN1997102A (zh) * 2006-12-08 2007-07-11 四川长虹电器股份有限公司 多功能机顶盒

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