WO2017088728A1 - 一种用于ic卡的交易装置和方法 - Google Patents

一种用于ic卡的交易装置和方法 Download PDF

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Publication number
WO2017088728A1
WO2017088728A1 PCT/CN2016/106757 CN2016106757W WO2017088728A1 WO 2017088728 A1 WO2017088728 A1 WO 2017088728A1 CN 2016106757 W CN2016106757 W CN 2016106757W WO 2017088728 A1 WO2017088728 A1 WO 2017088728A1
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Prior art keywords
card
transaction
processing unit
data processing
housing
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PCT/CN2016/106757
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English (en)
French (fr)
Inventor
蒋焜
丁林润
李春欢
和浩
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中国银联股份有限公司
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Publication of WO2017088728A1 publication Critical patent/WO2017088728A1/zh

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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated
    • G07G1/14—Systems including one or more distant stations co-operating with a central processing unit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • G06Q20/3567—Software being in the reader

Definitions

  • Embodiments of the present invention relate to transaction processing mechanisms, and in particular to transaction devices and methods for IC cards.
  • IC card Integrated Circuit Card
  • IC card is widely used in banking, telecommunications, public transportation and other fields due to its safety and portability. People use IC cards for various transactions, for example, using a bank card to spend credit cards at a POS terminal, and using a bus card to swipe a subway station at a subway station.
  • the card reader of the POS terminal or the subway station can be used as an IC card reader/writer to read and write the IC card through contact or non-contact communication.
  • these readers cannot be carried around.
  • a technical solution uses the audio interface of the mobile phone and the IC reader to transmit data to complete the transaction of the IC card.
  • Using the phone's audio interface for transaction data transfer rates are low and versatile, as different phones may have different audio interfaces.
  • a transaction device for an IC card comprising a casing and an IC card reader/writer, a Bluetooth module, and a data processing unit disposed inside the casing, wherein the IC card reader/writer and the Bluetooth module are The data processing unit is coupled, the IC card reader/writer is further configured to couple with the chip of the IC card, and perform read and write operations on the IC card according to an instruction from the data processing unit; the data processing unit passes the Bluetooth module and the external Mobile terminal communication.
  • the housing is configured as a rectangular parallelepiped for housing an IC card, the top surface of the housing being an opening for inserting an IC card, the IC card reader/writer being mounted opposite the top surface Bottom surface.
  • the transaction device further includes a power source disposed inside the housing for The IC card reader/writer, the Bluetooth module, and the data processing unit supply power.
  • the charging interface of the power source is located on a bottom surface of the housing.
  • the data processing unit receives a transaction request from the mobile terminal through the Bluetooth module, and according to the transaction request, the data processing unit interacts with the IC card through the IC card reader/writer, and uses the IC card to complete the transaction. .
  • the mobile terminal is a cell phone.
  • the transaction request is sent to the data processing unit via a Bluetooth link via an APP installed at the mobile terminal.
  • a transaction method for an IC card which uses a transaction device including a casing and an IC card reader/writer, a Bluetooth module, and a data processing unit disposed inside the casing, the IC card reader and the Bluetooth module Coupling with the data processing unit, the IC card reader/writer is further configured to couple with the chip of the IC card, and perform read and write operations on the IC card according to an instruction from the data processing unit; the data processing unit passes the Bluetooth module and the external Mobile terminal communication, the method comprising: the data processing unit receiving a transaction request from the mobile terminal through a Bluetooth module, according to the transaction request, the data processing unit interacts with the IC card through the IC card reader/writer, using the IC The card completes the transaction.
  • the housing is configured as a rectangular parallelepiped for housing an IC card, the top surface of the housing being an opening for inserting an IC card, the IC card reader/writer being mounted opposite the top surface Bottom surface.
  • the method further includes: powering the IC card reader/writer, the Bluetooth module, and the data processing unit with a power source disposed inside the housing.
  • the method further includes charging the power source through a charging interface of the power source located on a bottom surface of the housing.
  • the transaction request is sent to the data processing unit via a Bluetooth link via an APP installed at the mobile terminal.
  • the transaction request is a payment request.
  • the IC card is a bank card.
  • Advantages of the present invention include: simplified transaction operations. You don't need to remove the card reader and card when using it, but You can do this by operating your phone with a Bluetooth connection.
  • the APP set in the mobile phone support financial transactions such as consumption, transfer, deposit, balance inquiry, industry card recharge, etc. based on the bank IC card, the transaction information is encrypted by the IC card chip and the transaction terminal hardware, and transmitted by the secure channel technology. Therefore, compared with the online cardless payment scheme, the present invention has the advantages of high security, support for large transactions, and the like, and the present invention can be used by the user without taking out the terminal and the bank card when compared with other mobile phone card readers. Complete the transaction via Bluetooth with greater security.
  • FIG. 1A and 1B are schematic views of a transaction apparatus for an IC card according to an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of a transaction device for an IC card in accordance with an embodiment of the present invention.
  • FIG. 3 is a flow chart of a method for a transaction device of an IC card in accordance with an embodiment of the present invention.
  • a transaction device is designed to simplify a transaction process using an IC card, such as simplifying operations required by a user to make an payment using an IC card or simplifying communication between an IC card and a user. mechanism.
  • the designed transaction device has an improved portable type, which is designed to accommodate an entire IC card, and the compact structure allows the transaction device to be placed in a wallet or pocket without changing the appearance and inherent functions of the existing wallet or pocket. Under the condition that the financial functions provided by the invention are added, And make this combination of products more functional and practical). Before and after use, the IC card can still be kept in the transaction device, and the user only needs to operate the mobile terminal (for example, a smart device such as a mobile phone or a tablet computer) to complete various financial operations on the IC card.
  • the mobile terminal for example, a smart device such as a mobile phone or a tablet computer
  • FIG. 1A and 1B are schematic views of a transaction apparatus for an IC card according to an embodiment of the present invention.
  • FIG. 1A shows a schematic diagram when an IC card 20 (for example, a bank card) is inserted into the transaction device 10.
  • FIG. 1B shows a schematic diagram of a transaction device 10 for an IC card.
  • the housing 11 of the transaction device 10 is configured as a rectangular parallelepiped for housing an IC card (not shown).
  • the top surface of the housing 10 is an opening 12 for inserting an IC card.
  • the internal space of the casing 10 may be sized to accommodate the IC card, for example, its length L, width W may be adapted to the length and width of the IC card, and its height H may be adapted to the thickness of the IC card, slightly larger than the IC.
  • the housing 10 is constructed in a compact structure in the form of a sheet to facilitate carrying.
  • a fixing structure (not shown) may be disposed inside the casing 10 for fixing the IC card 20; or the vicinity of the opening 12 of the casing 11 may be additionally disposed (eg, pivotally) with a cover plate (not shown).
  • the cover covers the opening 11 to prevent the IC card 20 from falling out.
  • the housing 10 can also have other various shapes.
  • the shape of the housing is designed to accommodate the wallet or the pocket of the garment.
  • FIG. 2 is a schematic diagram of a transaction device for an IC card in accordance with an embodiment of the present invention.
  • the transaction device 10 is disposed inside the wallet 30.
  • the transaction device 10 is attached to the inside of the wallet.
  • the transaction device 10 forms part of the wallet 30.
  • the transaction device 10 includes an IC card reader/writer 15 disposed inside the casing 10, a Bluetooth module 13, a data processing unit 14, and an optional power source 16.
  • the power source 16 has a power interface 17.
  • the IC card reader/writer 15 and the Bluetooth module 13 are coupled to the data processing unit 14.
  • the IC card reader/writer 15 is for coupling with the chip of the IC card 20, and reads and writes the IC card 20 in accordance with an instruction from the data processing unit 14.
  • the data processing unit 14 communicates with the external mobile terminal 40 via the Bluetooth module 13.
  • the IC card reader/writer 15 may be a contact type reader/writer or a contactless reader/writer equipped with a coil.
  • the IC card reader/writer 15 is mounted on a bottom surface opposite to the top surface of the casing 10.
  • Can The selected power source 16 can also be disposed at the bottom of the housing 10 for powering the IC card reader/writer 15, the Bluetooth module 13, and the data processing unit 14.
  • the charging interface of the rechargeable power source 16 can be located at the bottom surface of the housing 10 and exposed from the bottom surface.
  • the Bluetooth module 13 can be configured as will be understood by those skilled in the art that one or more components in the housing 10 can be disposed on a common motherboard.
  • the shape of the housing 10 is designed to fit the wallet or the pocket of the garment as described above, so it will be appreciated that the internal components of the housing can be rearranged as desired.
  • the housing of the transaction device has no screen and keyboard design, so the transaction operation is only done by the mobile terminal.
  • One advantage of this solution is that the user does not need to take out the bank card, card reader, mobile phone to conduct the transaction, just need to operate the mobile phone to complete the transaction.
  • the transaction device that houses the bank card can be glued to a wallet, key case, business card holder, or form part of them.
  • FIG. 3 is a flow chart of a method for a transaction device of an IC card in accordance with an embodiment of the present invention.
  • a connection between the transaction device and the mobile terminal is established.
  • the APP installed on the move is connected to the transaction device by operating the APP.
  • the user's APP retains the ID of the last connected IC card.
  • the connection is established, the user inputs the ID of the IC card or a part of the ID (for example, the last four digits of the bank card number) for verification, and the Bluetooth connection is established with the transaction device after the verification is passed.
  • the data processing unit receives a transaction request from the mobile terminal via the Bluetooth module.
  • the user selects the type of transaction (eg, consumption, transfer, deposit, balance inquiry, industry card refill) through the APP, and enters transaction information and transaction password to generate a transaction request.
  • the user generates a type and information of the transaction by scanning the two-dimensional code using the APP.
  • step 303 the data processing unit interacts with the IC card through the IC card reader/writer, and uses the IC card to complete the transaction.
  • the data processing unit returns the transaction result to the mobile terminal upon completion of the transaction.
  • transactions can be performed by establishing a secure channel between the transaction device and the backend server using a common transaction process.
  • the exemplary embodiments can be implemented in hardware, software, or a combination thereof.
  • some aspects of the invention may be implemented in hardware, while other aspects may be implemented in software.
  • an exemplary embodiment of the present invention Aspects may be shown and described as block diagrams, flow diagrams, but it is well understood that the devices, or methods described herein may be implemented as a functional module in a system that is a non-limiting example.
  • the above-described apparatus should not be construed as requiring such separation in all embodiments, but it should be understood that the described program components and systems can generally be integrated into a single software product or packaged into multiple software products. .

Abstract

用于IC卡的交易装置和方法。该交易装置包括壳体（10）和设置在该壳体（10）内部的IC卡读写器（15）、蓝牙模块（13）、数据处理单元（14），其中，该IC卡读写器（15）和该蓝牙模块（13）与该数据处理单元（14）耦合，该IC卡读写器（15）还用于与IC卡（20）的芯片耦合，并且根据来自该数据处理单元（14）的指令对IC卡（20）进行读写操作；该数据处理单元（14）通过该蓝牙模块（13）与外部的移动终端（40）通信。

Description

一种用于IC卡的交易装置和方法 技术领域
本发明的实施例涉及交易处理机制，具体涉及用于IC卡的交易装置和方法。
背景技术
IC卡(Integrated Circuit Card，集成电路卡)凭借其使用安全性、便于携带等优点，被广泛应用于银行、电信、公共交通等领域。人们使用IC卡进行各种交易，例如，使用银行卡在POS终端进行刷卡消费、使用公交卡在地铁站刷卡乘坐地铁。POS终端或者地铁站的刷卡器作为IC卡的读写器可以通过接触式或者非接触式的通信方式对IC卡进行读写。然而这些读写器不能随身携带。
目前，存在能够由用户随身携带的IC读写器，以增加交易的便利性。一种技术方案使用手机的音频接口与IC读写器传输数据完成IC卡的交易。利用手机的音频接口进行交易数据传输速率较低、而且通用性差，因为不同的手机可能具有不同的音频接口。
发明内容
一种用于IC卡的交易装置，该交易装置包括壳体和设置在该壳体内部的IC卡读写器、蓝牙模块、数据处理单元，其中，该IC卡读写器和该蓝牙模块与该数据处理单元耦合，该IC卡读写器还用于与IC卡的芯片耦合，并且根据来自该数据处理单元的指令对IC卡进行读写操作；该数据处理单元通过该蓝牙模块与外部的移动终端通信。
在一个实施例中，该壳体被构造为长方体，用于容纳IC卡，该壳体的顶面是用于插入IC卡的开口，该IC卡读写器被安装在与该顶面相对的底面。
在一个实施例中，该交易装置还包括设置在该壳体内部的电源，用于为所述 IC卡读写器、所述蓝牙模块、所述数据处理单元供电。
在一个实施例中，所述电源的充电接口位于所述壳体的底面。
在一个实施例中，所述数据处理单元通过蓝牙模块接收来自移动终端的交易请求，根据该交易请求，所述数据处理单元通过该IC卡读写器与IC卡交互，使用该IC卡完成交易。
在一个实施例中，所述移动终端是手机。
在一个实施例中，所述交易请求通过安装在移动终端的APP经由蓝牙链路发送至所述数据处理单元。
一种用于IC卡的交易方法，使用包括壳体和设置在该壳体内部的IC卡读写器、蓝牙模块、数据处理单元的交易装置进行交易，该IC卡读写器和该蓝牙模块与该数据处理单元耦合，该IC卡读写器还用于与IC卡的芯片耦合，并且根据来自该数据处理单元的指令对IC卡进行读写操作；该数据处理单元通过该蓝牙模块与外部的移动终端通信，该方法包括：所述数据处理单元通过蓝牙模块接收来自移动终端的交易请求，根据该交易请求，所述数据处理单元通过该IC卡读写器与IC卡交互，使用该IC卡完成交易。
在一个实施例中，该壳体被构造为长方体，用于容纳IC卡，该壳体的顶面是用于插入IC卡的开口，该IC卡读写器被安装在与该顶面相对的底面。
在一个实施例中，该方法还包括：利用设置在该壳体内部的电源为所述IC卡读写器、所述蓝牙模块、所述数据处理单元供电。
在一个实施例中，该方法还包括：通过位于所述壳体的底面所述电源的充电接口为电源充电。
在一个实施例中，所述交易请求是通过安装在移动终端的APP经由蓝牙链路发送至所述数据处理单元。
在一个实施例中，所述交易请求是支付请求。
在一个实施例中，该IC卡是银行卡。
本发明的优势包括：简化了交易操作。在使用时不需要取出刷卡器和卡，而 通过蓝牙连接操作手机即可完成操作。通过手机中设置的APP，支持消费、转账、圈存、余额查询、行业卡充值等金融交易基于银行IC卡的有卡交易，交易信息通过IC卡芯片及交易终端硬件加密，采用安全通道技术传输，因此与线上无卡支付的方案相比，本发明具有安全性高、支持大额交易等优点；与其它手机刷卡器相比，本发明在用户使用时无需拿出终端和银行卡即可通过蓝牙完成交易，具备较大的安全性。
当结合附图阅读以下描述时也将理解本发明的实施例的其它特征和优势，其中附图借助于实例示出了本发明的实施例的原理。
附图说明
图1A和1B是根据本发明实施例的用于IC卡的交易装置的示意图。
图2是根据本发明实施例的用于IC卡的交易装置的示意图。
图3是根据本发明实施例的用于IC卡的交易装置的方法的流程图。
具体实施方式
在下文中，将结合实施例描述本发明的原理。应当理解的是，给出的实施例只是为了本领域技术人员更好地理解并且实践本发明，而不是限制本发明的范围。例如，本说明书中包含许多具体的实施细节不应被解释为对发明的范围或可能被要求保护的范围的限制，而是应该被视为特定于实施例的描述。例如，在各实施例的上下文描述的特征可被组合在单一实施例中来实施。在单一实施例的上下文中描述的特可在多个实施例来实施。
根据本发明的一个或多个实施例，设计的交易装置被用来简化使用IC卡的交易过程，例如简化用户在使用IC卡进行支付时所需要的操作或者简化IC卡与用户之间的通信机制。设计的交易装置具有提高的便携型，其被设计为容纳整张IC卡，紧凑的结构可以使得交易装置被放置在钱包或者口袋中，在不改变现有钱包或口袋等的外观和固有功能的条件下，为其新增本发明所提供的金融功能，从 而让这种结合产品更具功能性和实用性)。在使用前后，仍然可以将IC卡保持在交易装置中，用户仅需操作移动终端(例如，手机、平板电脑等智能设备)便可以完成对IC卡的各种金融操作。
图1A和1B是根据本发明实施例的用于IC卡的交易装置的示意图。图1A示出当IC卡20(例如，银行卡)被插进交易装置10中时的示意图。图1B示出用于IC卡的交易装置10的示意图。交易装置10的壳体11被构造为长方体，用于容纳IC卡(未示出)。壳体10的顶面是用于插入IC卡的开口12。壳体10的内部空间的大小可以被构造为恰好容纳IC卡，例如其长度L、宽度W可以与IC卡的长宽相适应，并且其高度H可以与IC卡的厚度相适应，略大于IC卡的尺寸。可选地，壳体10被构造为紧凑型的结构，呈薄片状，从而便于携带。可选地，壳体10内部可以设置固定结构(未示出)，用于固定IC卡20；或者壳体11的开口12附近可以附加地设置(例如，枢接)有盖板(未示出)，当IC卡20被保持在壳体10内时，盖板覆盖开口11防止IC卡20掉出。可以理解的是，壳体10还可以具有其它各种形状。优选地，壳体的形状被设计成与钱包或者衣物的口袋相适应。
图2是根据本发明实施例的用于IC卡的交易装置的示意图。示例性地，交易装置10被设置在钱包30的内部。例如，被贴在钱包的内侧。可选地，交易装置10构成钱包30的一部分。
以下描述交易装置10的构成。交易装置10包括设置在该壳体10内部的IC卡读写器15、蓝牙模块13、数据处理单元14、可选的电源16。电源16具有电源接口17。IC卡读写器15和该蓝牙模块13与该数据处理单元14耦合。IC卡读写器15用于与IC卡20的芯片耦合，并且根据来自该数据处理单元14的指令对IC卡20进行读写操作。数据处理单元14通过该蓝牙模块13与外部的移动终端40通信。该IC卡读写器15可以是接触式读写器或者安装有线圈的非接触式读写器。
继续参考图2。IC卡读写器15被安装在与该壳体10的顶面相对的底面。可 选的电源16，可以同样设置在壳体10的底部，用于为IC卡读写器15、蓝牙模块13、数据处理单元供电14。可充电电源16的充电接口可以17位于壳体10的底面，并且从底面露出。蓝牙模块13可以被设置本领域技术人员可以理解的是，壳体10中的一个或多个元器件可以被设置在共同的主板上。如上所述壳体10的形状被设计成与钱包或者衣物的口袋相适应，因此可以理解的是，壳体的内部元器件可以根据需要被重新排列。
为了简化交易操作，交易装置的壳体没有屏幕和键盘的设计，因此交易操作仅仅通过移动终端完成。这种的方案的一个优势是，用户不需要拿出银行卡、刷卡器、手机来进行交易，仅仅需要操作手机来完成交易。而容纳银行卡的交易装置可以被黏贴到钱包、钥匙包、名片夹，或者形成它们的一部分。
以下描述交易装置通过蓝牙链路与移动终端交互完成刷卡的过程。图3是根据本发明实施例的用于IC卡的交易装置的方法的流程图。
在步骤301中，建立交易装置和移动终端之间的连接。在一个实例中，通过操作安装在移动中的APP与交易装置进行连接。可选地，用户的APP保留上一次连接的IC卡的ID。在建立连接时，用户输入IC卡的ID或ID的一部分(例如银行卡卡号的后四位)进行验证，验证通过后才开始与交易装置建立蓝牙连接。
在步骤302中，数据处理单元通过蓝牙模块接收来自移动终端的交易请求。在一个实例中，用户通过APP选择交易的类型(例如，消费、转账、圈存、余额查询、行业卡充值)，并且输入交易信息和交易密码来生成交易请求。在另一个实例中，用户通过使用APP扫描二维码生成交易的类型和信息。
在步骤303中，根据该交易请求，数据处理单元通过该IC卡读写器与IC卡交互，使用该IC卡完成交易。在一个实例中，数据处理单元在完成交易后，向移动终端返回交易结果。本领域的技术人员可以理解的是，可以采用常用的交易流程，通过在交易装置和后台服务器之间建立安全通道来执行交易。
示例性实施例可在硬件、软件或其组合中来实施。例如，本发明的某些方面可在硬件中实施，而其它方面则可在软件中实施。尽管本发明的示例性实施例的 方面可被示出和描述为框图、流程图，但很好理解的是，这里描述的这些装置、或方法可在作为非限制性实例的系统中被实现为功能模块。此外，上述装置不应被理解为要求在所有的实施例中进行这种分离，而应该被理解为所描述的程序组件和系统通常可以被集成在单一的软件产品中或打包成多个软件产品。
相关领域的技术人员当结合附图阅读前述说明书时，对本发明的前述示例性实施例的各种修改和变形对于相关领域的技术人员会变得明显。因此，本发明的实施例不限于所公开的特定实施例，并且变形例和其它实施例意在涵盖在所附权利要求的范围内。

Claims (14)

  1. 一种用于IC卡的交易装置，其特征在于，该交易装置包括壳体和设置在该壳体内部的IC卡读写器、蓝牙模块、数据处理单元，其中，
    该IC卡读写器和该蓝牙模块与该数据处理单元耦合，
    该IC卡读写器还用于与IC卡的芯片耦合，并且根据来自该数据处理单元的指令对IC卡进行读写操作；
    该数据处理单元通过该蓝牙模块与外部的移动终端通信。
  2. 如权利要求1的交易装置，其特征在于，
    该壳体被构造为长方体，用于容纳IC卡，
    该壳体的顶面是用于插入IC卡的开口，
    该IC卡读写器被安装在与该顶面相对的底面。
  3. 如权利要求1的交易装置，其特征在于，
    该交易装置还包括设置在该壳体内部的电源，用于为所述IC卡读写器、所述蓝牙模块、所述数据处理单元供电。
  4. 如权利要求3的交易装置，其特征在于，
    所述电源的充电接口位于所述壳体的底面。
  5. 如权利要求1的交易装置，其特征在于，
    所述数据处理单元通过蓝牙模块接收来自移动终端的交易请求，
    根据该交易请求，所述数据处理单元通过该IC卡读写器与IC卡交互，使用该IC卡完成交易。
  6. 如权利要求1的交易装置，其特征在于，
    所述移动终端是具备蓝牙功能的手机或平板电脑。
  7. 如权利要求6的交易装置，其特征在于，
    所述交易请求通过安装在移动终端的APP经由蓝牙链路发送至所述数据处理单元。
  8. 一种用于IC卡的交易方法，其特征在于，
    使用包括壳体和设置在该壳体内部的IC卡读写器、蓝牙模块、数据处理单元的交易装置进行交易，
    该IC卡读写器和该蓝牙模块与该数据处理单元耦合，
    该IC卡读写器还用于与IC卡的芯片耦合，并且根据来自该数据处理单元的指令对IC卡进行读写操作；
    该数据处理单元通过该蓝牙模块与外部的移动终端通信，
    该方法包括：
    所述数据处理单元通过蓝牙模块接收来自移动终端的交易请求，
    根据该交易请求，所述数据处理单元通过该IC卡读写器与IC卡交互，使用该IC卡完成交易。
  9. 如权利要求8的交易方法，其特征在于，
    该壳体被构造为长方体，用于容纳IC卡，
    该壳体的顶面是用于插入IC卡的开口，
    该IC卡读写器被安装在与该顶面相对的底面。
  10. 如权利要求8的交易方法，其特征在于，该方法还包括：
    利用设置在该壳体内部的电源为所述IC卡读写器、所述蓝牙模块、所述数据处理单元供电。
  11. 如权利要求8的交易方法，其特征在于，该方法还包括：
    通过位于所述壳体的底面所述电源的充电接口为电源充电。
  12. 如权利要求8的交易方法，其特征在于，
    所述交易请求是通过安装在移动终端的APP经由蓝牙链路发送至所述数据处理单元。
  13. 如权利要求8的交易方法，其特征在于，
    所述交易请求是支付请求。
  14. 如权利要求8的交易方法，其特征在于，
    该IC卡是银行卡。
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