WO2016082681A1

WO2016082681A1 - Pos terminal and payment system comprising same

Info

Publication number: WO2016082681A1
Application number: PCT/CN2015/094433
Authority: WO
Inventors: 褚红梅; 吕旭峰; 张飞; 冯晓; 徐超
Original assignee: 中国银联股份有限公司
Priority date: 2014-11-27
Filing date: 2015-11-12
Publication date: 2016-06-02
Also published as: CN204650536U; TWM519776U

Abstract

The present invention relates to the technical field of payments. Provided are a POS terminal and payment system comprising the same. The POS terminal is provided with an acoustic magnetic sensor unit for receiving sound wave information indicating at least a part of magnetic stripe information and converting the sound wave information to generate corresponding magnetic field information. The payment system comprises a mobile card-reading terminal and the POS terminal; the mobile card-reading terminal is provided with a sound wave formation and generation unit thereon; and the sound wave formation and generation unit has a wireless coupling with the magnetic sensor unit, and transmits to the magnetic sensor unit the sound wave information indicating at least a part of magnetic stripe information. The POS terminal is easy to realize and has low cost, and the payment system improves convenience during payment, and facilitates a reduction in the weight of a user wallet.

Description

POS terminal and payment system including the same

Technical field

The present invention belongs to the field of payment technology, and relates to a POS (Point Of Sells) terminal provided with an acousto-magnetic sensor unit and a payment system including the POS terminal.

Background technique

A payment card (such as a bank card and various stored value cards) can be divided into a magnetic stripe card and a chip card according to different information carriers, wherein the magnetic stripe card mainly comprises a base and a magnetic strip formed on the base, and the magnetic strip is passed The particulate magnetic material is uniformly coated on the substrate. When writing a card (ie, making a card), the coil of the recording head of the card writing device is energized, and when the magnetic surface of the magnetic card (that is, the side on which the magnetic strip is formed) passes through the gap of the recording head at a certain speed, A magnetic field proportional to the current is generated at the gap, whereby the magnetic body of the magnetic stripe card and the contact portion of the gap is magnetized to realize a card writing process (i.e., recording magnetic stripe information). Therefore, the magnetic stripe card in the user's hand has changed the magnetic density (magnetic flux) and the corresponding magnetic field size of the magnetic material at different positions on the magnetic strip during the writing process.

The magnetic stripe card is read during the transaction payment process (ie, the magnetic stripe information is read) and is typically read by the POS terminal. Specifically, when the user's magnetic stripe card passes the working magnetic head with the coil on the POS device at a certain speed, the coil of the magnetic head generates a varying induced electromotive force under the action of a varying magnetic field, and then the electrical signal corresponding to the induced electromotive force is used by the POS terminal. Read, thereby transmitting magnetic stripe information recorded by the magnetic strip, such as card number information.

Therefore, when the existing POS terminal reads the magnetic stripe card for transaction payment, first, the user must carry the magnetic stripe card, and secondly, the contact swipe action must be performed, and the information recorded by the magnetic stripe is sensed on the magnetic head in the POS. To achieve the read payment process.

Summary of the invention

One of the objects of the present invention is to provide a POS terminal that does not require the magnetic stripe card for contact swiping when using a magnetic stripe card for transaction payment.

It is still another object of the present invention to provide a payment system based on acoustic wave transfer magnetic stripe card information.

To achieve the above object or other objects, the present invention provides the following technical solutions.

According to an aspect of the present invention, a POS terminal is provided, wherein a POS terminal is provided for receiving An acousto-magnetic sensor unit that represents at least a portion of the magnetic wave information of the magnetic stripe information and converts the acoustic wave information to generate corresponding magnetic field information.

According to an embodiment of the present invention, a POS terminal is provided with a first cryptographic component and an acousto-magnetic component.

A POS terminal according to still another embodiment of the present invention, wherein the acousto-magnetic sensing component comprises:

a carbon fine film for converting the sound wave information into electrical information;

A coil for converting the electrical information into the magnetic field information.

Preferably, the acousto-magnetic sensor unit is pre-mounted on the POS terminal.

According to still another aspect of the present invention, a payment system is provided, including a mobile card reading terminal, wherein the mobile card reading terminal is provided with a sound wave generating and generating unit; wherein the payment system further includes any of the above A POS terminal, wherein the sound wave generating and generating unit is wirelessly coupled to the acousto-magnetic sensor unit and transmits sound wave information indicating at least part of magnetic stripe information to the acousto-magnetic sensor unit.

A payment system according to an embodiment of the present invention, wherein the sound wave generation and generation unit includes: a sound wave generation unit configured to generate sound wave information indicating at least part of magnetic stripe information;

a second cryptographic component for encrypting the sound wave information;

A sound wave transmitting unit for transmitting the sound wave information.

A payment system according to still another embodiment of the present invention, wherein the mobile card reading terminal is integrated on a mobile phone terminal.

The payment system of the present invention controls the generation of corresponding sound wave information by the sound wave generation and transmission unit according to the card number information, and then generates the magnetic field information of the regular change through the acoustic magnetic induction component of the acousto-magnetic sensor unit, thereby simulating the operation of the on-site card swiping. Therefore, the payment system of the embodiment of the present invention can store information of all magnetic stripe cards, achieve complete slimming of the user's wallet, make payment more convenient, and easily upgrade and upgrade existing POS machines to implement the POS of the present invention. terminal.

DRAWINGS

The above and other objects and advantages of the present invention will be more fully understood from the aspects of the appended claims.

1 is a block diagram showing the structure of a payment system according to an embodiment of the present invention.

2 is a schematic diagram showing the working principle of the payment system shown in FIG. 1.

detailed description

The following is a description of some of the various possible embodiments of the invention, which are intended to provide a basic understanding of the invention and are not intended to identify key or critical elements of the invention or the scope of the invention. It is to be understood that, in accordance with the technical aspects of the present invention, those skilled in the art can suggest other alternatives that are interchangeable without departing from the spirit of the invention. Therefore, the following detailed description and the accompanying drawings are merely illustrative of the embodiments of the invention, and are not intended to

In the following description, for the sake of clarity and conciseness of the description, all the various components shown in the drawings are not described in detail. A number of components of the present invention that are fully achievable are provided by those of ordinary skill in the art. The operation of many of the components is familiar and obvious to those skilled in the art.

FIG. 1 is a block diagram showing the structure of a payment system according to an embodiment of the invention. In this embodiment, as shown in Fig. 1, a POS terminal 12 of an embodiment of the present invention is shown at the same time.

FIG. 2 is a schematic diagram showing the working principle of the payment system shown in FIG. 1. The POS terminal and the payment system according to the embodiment of the present invention will be described below with reference to FIGS. 1 and 2.

The payment system 10 is for implementing magnetic stripe card-based payment. The magnetic stripe card can be, but is not limited to, a bank card and various stored value cards, and the magnetic stripe information includes at least a card number signal that must be read during the payment process. The payment system 10 mainly includes a mobile card reading terminal 11 and a POS terminal 12. As shown in FIG. 1, the mobile card reading terminal 11 is provided with a sound wave generating and generating unit 110, and the POS terminal 12 is provided with an acousto-magnetic sensor unit 120 for generating sound waves. The coupling unit 110 and the acousto-magnetic sensor unit 120 are wirelessly coupled so that acoustic wave information can be transmitted to each other. The specific wireless coupling mode is not limited herein. The sound wave generation and generation unit 110 may convert, for example, card number information to generate corresponding sound wave information and transmit it to the acousto-magnetic sensor unit 120.

It should be noted that the POS terminal 12 includes other components of the existing POS terminal, such as a coil, a magnetic head, and the like, including the acousto-magnetic sensor unit 120, and details are not described herein.

In an embodiment, as shown in FIG. 2, the sound wave generation and generation unit 110 is provided with sound waves. A generating component 111 is configured to generate acoustic wave information representative of at least a portion of the magnetic stripe information. The magnetic stripe information may include the card number information. The manner in which the sound wave generating component 111 obtains the magnetic stripe information is not limited. For example, the magnetic stripe information of each magnetic stripe card may be correspondingly stored in the mobile card reading terminal 11, or The card number information corresponding to the magnetic stripe information is obtained and recognized by the camera device, for example, and the card number information corresponding to the magnetic stripe information is input by the user manually inputting.

In an embodiment, as shown in FIG. 2, the sound wave generation and generation unit 110 is optionally provided with a cryptographic modulation component 113 for encrypting the acoustic wave information, and the specific encryption method is not limited.

In an embodiment, as shown in FIG. 2, the sound wave generation and generation unit 110 is provided with a sound wave transmitting section 115 for transmitting sound wave information. Therefore, the encrypted sound wave information can be transmitted and transmitted to the POS terminal 12 at the other end.

It is to be noted that the sound wave generating unit 111, the cryptographic modulating unit 113, and the sound wave transmitting unit 115 of the sound wave generating and generating unit 110 are sequentially coupled to each other.

Preferably, the mobile card reading terminal 11 is integrated on the mobile phone terminal, so that if the user's card number information is stored in the sound wave generating and generating unit 110, even if the user does not carry the magnetic stripe card for payment, The sound wave information indicating the magnetic stripe information is conveniently transmitted through the carried mobile phone. When the mobile card reader terminal 11 is integrated on the mobile phone terminal, the corresponding APP application can be installed on the mobile phone terminal to implement the control of the terminal of the mobile card reading terminal 11 to obtain the magnetic stripe information as an example, and the following three manners can be adopted. At least one to get the magnetic stripe information:

First, the magnetic stripe information (such as magnetic density information) of the magnetic stripe card obtained by the card reading device is converted into a digital manner by using the storage function of the APP application;

Secondly, for the card number information obtained by the similar camera device, the storage function of the APP application can store the card number information according to the requirements after parsing the image, and the card number information corresponds to the magnetic stripe information;

Third, for manually input card number information, the APP application stores it directly.

In an embodiment, as shown in FIG. 2, the acousto-magnetic sensor unit 120 optionally includes a cryptographic modulation component, and the cryptographic modulation component 121 can correspondingly decrypt the acoustic signal encrypted by the cryptographic modulation component 113.

In an embodiment, as shown in FIG. 2, the acousto-magnetic sensor unit 120 is provided with an acousto-magnetic sensing component 123 for receiving the received acoustic wave information representing the card number information and converting the acoustic wave information. Corresponding magnetic field information, so that the POS terminal 12 with the magnetic head can correctly read the card number information, and the user can complete the payment process after inputting the password verification.

In this embodiment, the acousto-magnetic sensing component 123 converts the acoustic wave information into electrical information and then converts the electrical information into magnetic field information readable by a conventional POS machine. First, converting sound wave information into electrical information can refer to the principle that the microphone of the telephone converts the sound information into electrical information, that is, the carbon magnetic film is disposed in the acousto-magnetic sensing component 123, and the carbon fine film is vibrated after being shocked by the sound wave. Squeezing the carbon particles therein causes the resistance to change suddenly and small, thereby causing a strong current to change the current according to the sound vibration, thereby converting the sound signal into an electrical signal. Further, a coil is further disposed in the acousto-magnetic sensing component 123, and the coil can further convert the electrical information into magnetic field information readable by the POS machine. It should be noted that the specific structure of the acousto-magnetic sensing component 123 is not limited to the above embodiment. For example, when the acoustic signal is converted into an electrical signal, the principles of the capacitive, electromotive, and piezoelectric modes are also implemented, and different vibration media can be used. Cooperate with other materials to realize the function of converting sound waves into electrical signals.

In an embodiment, the POS terminal 12 can be modified by a conventional POS machine. Specifically, the acoustic magnetic sensor unit 120 can be retrofitted by being installed on the POS terminal. Therefore, the upgrade and transformation of the traditional POS machine is simple and the cost is low.

The payment system 10 of the above embodiment generates corresponding sound wave information by the sound wave generation and transmission unit 11 according to the card number information control, and then generates the magnetic field information of the regular change by the acousto-magnetic sensing component 123 of the acousto-magnetic sensor unit 120, thereby simulating the on-site credit card. The operation, that is, the coil of the POS machine, records and transmits the card number information by generating a varying induced electromotive force under the action of a varying magnetic field, and finally completes the transaction process. Therefore, the payment system 10 of the embodiment of the present invention can store the information of all the magnetic stripe cards, and the magnetic stripe card is used for the transaction payment, and the magnetic stripe card is not required to perform the contact and swipe of the POS terminal, and the user wallet can be completely slimmed down. The payment is made more convenient; and it is easy to upgrade the existing POS machine at a low cost to implement the POS terminal of the embodiment of the present invention.

It will be understood that when a component is "connected" or "coupled" to another component, it can be directly connected or coupled to another component or the intermediate component can be present. In contrast, when a component is said to be "directly coupled" or "directly connected" to another component, there is no intermediate component.

The above examples mainly illustrate the POS terminal of the present invention and a payment system including the POS terminal. Although only a few of the embodiments of the present invention have been described, it will be understood by those skilled in the art that the invention may be practiced in many other forms without departing from the spirit and scope of the invention. Accordingly, the examples and embodiments presented are considered to be illustrative The present invention may be susceptible to various modifications and alternatives, without departing from the spirit and scope of the invention as defined by the appended claims.

Claims

A POS terminal (12) is provided with an acousto-magnetic sensor unit (120) for receiving acoustic wave information representing at least part of the magnetic stripe information and converting the acoustic wave information to generate corresponding magnetic field information.
The POS terminal (12) according to claim 1, wherein the acousto-magnetic sensor unit (120) is provided with a first cryptographic component (121) and an acousto-magnetic component (123).
The POS terminal (12) according to claim 2, wherein said acousto-magnetic sensing component (123) comprises:

a carbon fine film for converting the sound wave information into electrical information;

A coil for converting the electrical information into the magnetic field information.
The POS terminal (12) of claim 1 wherein said acousto-magnetic sensor unit (120) is pre-mounted on said POS terminal (12).
A payment system (10) includes a mobile card reading terminal (11), and the mobile card reading terminal (11) is provided with a sound wave generating and generating unit (110); wherein the payment system (10) further The POS terminal (12) according to any one of claims 1 to 4, wherein the sound wave generating and generating unit (110) is wirelessly coupled to the sound magnetic sensor unit (120) and to the sound The magnetic sensor unit (120) transmits acoustic wave information representative of at least a portion of the magnetic stripe information.
The payment system (10) of claim 5, wherein the sound wave generation and generation unit (110) comprises:

a sound wave generating component (111) for generating sound wave information representing at least part of the magnetic stripe information;

a second cryptographic modulation component (113) for encrypting the acoustic wave information;

A sound wave transmitting unit (115) for transmitting the sound wave information.
A payment system (10) according to claim 5, characterized in that said mobile card reading terminal (11) is integrated on a mobile phone terminal.