CN102592377A - Method for realizing finance card terminal by Bluetooth mobile phone - Google Patents
Method for realizing finance card terminal by Bluetooth mobile phone Download PDFInfo
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- CN102592377A CN102592377A CN2012100491023A CN201210049102A CN102592377A CN 102592377 A CN102592377 A CN 102592377A CN 2012100491023 A CN2012100491023 A CN 2012100491023A CN 201210049102 A CN201210049102 A CN 201210049102A CN 102592377 A CN102592377 A CN 102592377A
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Abstract
The invention relates to a method for realizing a finance card terminal by a Bluetooth mobile phone. The method comprises the step of providing a mobile phone with a Bluetooth function and the finance card terminal. The method is characterized in that communication data between the finance card terminal and the mobile phone is simulated into an audio signal, data communication between the mobile phone and the finance card terminal is realized through a Bluetooth protocol, and data interaction with a bank system is completed by using the communication function of the mobile phone and the data received from the finance card terminal. The invention can realize finance services such as transaction, transfer, inquiry and payment are carried out by using various finance cards and non-finance cards.
Description
Technical field
The present invention relates to the financial transaction technical field, the method that realize at particularly a kind of bluetooth cellular phone pairing fiscard terminal.
Background technology
At present; Equipment such as individual internet usage payment terminal on the market, Ukey exist not support card problem such as maybe can't be convenient for carrying; And every fiscard terminal all will be provided with the unit with bank correspondence; The employing cable network that existing terminal has is realized communicating by letter with banking system, and the then employing wireless mode that has is communicated by letter with banking system, and this makes the fiscard terminal increase the cost of communicating circuit undoubtedly.This product can pass through Bluetooth protocol, supports the mobile phones of bluetooth earphone functions to be connected with great majority on the market, and realizes using the electronic transaction function of fiscard.
The technical terms that occurs among the present invention is explained as follows: (1) bluetooth earphone: bluetooth is it and other important symbol of WLAN phase region to the support of voice; Bluetooth telephone control standard is an employing Bit-Oriented Protocol of Q.931 advising based on ITU-T; He has defined and has been used for mobility management process (2) PIN that bluetooth equipment is set up voice and data call control signaling and handled bluetooth TCS equipment: personal identification code Personal Identification Number; It is personal identification number; Be the data message of identification holder identity legitimacy in online or offline transaction, any link does not allow PIN expressly to occur in computing machine and network system.
Summary of the invention
The purpose of this invention is to provide the method that realize at a kind of bluetooth cellular phone pairing fiscard terminal, the information interaction with banking system is accomplished at realization mobile phone pairing fiscard terminal.
The present invention adopts following scheme to realize: the method that realize at a kind of bluetooth cellular phone pairing fiscard terminal; Comprise provide one have a Bluetooth function a mobile phone and a fiscard terminal; It is characterized in that: the communication data between said fiscard terminal and mobile phone is modeled to sound signal; Through the data communication of Bluetooth protocol realization mobile phone and fiscard terminal room, utilize the communication function of said mobile phone and the data that receive from the fiscard terminal and banking system to accomplish data interaction.
In an embodiment of the present invention; Said communication data simulation is the mode through simulation bluetooth earphone and mobile communication; Utilize the left and right acoustic channels in the bluetooth earphone to realize mobile phone, utilize the microphone channel realization fiscard terminal of bluetooth earphone to upload data to mobile phone to fiscard terminal downlink data.
In an embodiment of the present invention, described sound signal is modeled to UART, IIC or SPI serial communication protocol.
In an embodiment of the present invention, described fiscard terminal does not possess directly and the function of banking system information interaction, and it is through information being sent to said mobile phone, realizing with banking system mutual by mobile phone.
In an embodiment of the present invention, said fiscard terminal comprises encryption processing module and the card reading module that is connected with this encryption processing module, PIN load module and LCD MODULE.
In an embodiment of the present invention; Described fiscard terminal can be read and met ISO7811,7816,14443 magnetic card, Contact Type Ic Card and non-contact IC card; And bank card inspection center related specifications is satisfied in design, and said mobile phone is given with card information that obtains and PIN information transmission in this fiscard terminal.
In an embodiment of the present invention, described card information and PIN information convert sound signal to after encrypting through the built-in encrypting module of said fiscard again, are transferred to said mobile phone through Bluetooth protocol.
In an embodiment of the present invention, said mobile phone passes through Bluetooth protocol to the fiscard terminal transmits information; The sound signal that can decode and transmit through the bluetooth earphone microphone channel in this fiscard terminal, and the instruction of identification mobile phone transmission.
In an embodiment of the present invention, said mobile phone is provided with the net purchase payment application.
According to above-mentioned, the present invention compared with prior art, the present invention has the following advantages: mobile phone that 1, can any support bluetooth earphone function matches use; 2, can read the various ISO7811 of meeting, ISO7816, the card of ISO14443; 3, can realize the PIN input function; 4, high safety, card information and PIN information are at first by terminal encryption, and Bluetooth communication itself possesses the characteristics of frequency hopping, security is strong than other communication modes.Meet the detection requirement of bank card inspection center; 5, this terminal is modeled to bluetooth earphone when matching with mobile phone, and the mobile phone of any platform can both be developed to the quoting of this terminal very easily, does not receive the restriction of checking and approving of mobile phone producer; 6. as long as once pairing need not connect during use once more, customer experience is better.
Description of drawings
Fig. 1 is the framework synoptic diagram one of the embodiment of the invention.
Fig. 2 is the principle of work schematic flow sheet of another embodiment of the present invention.
Fig. 3 is a packing data structural representation of the present invention.
Fig. 4 is a F2F modulation waveform synoptic diagram.
Fig. 5 is a F2F demodulation waveforms synoptic diagram.
Embodiment
Below in conjunction with accompanying drawing and embodiment the present invention is further specified.
Present embodiment provides a kind of bluetooth cellular phone pairing fiscard method that realize at the terminal; Comprise provide one have a Bluetooth function a mobile phone and a fiscard terminal; Communication data between said fiscard terminal and mobile phone is modeled to sound signal; Realize the data communication of mobile phone and fiscard terminal room through Bluetooth protocol; Utilize the communication function of said mobile phone and the data that receive from the fiscard terminal and banking system to accomplish data interaction, fiscard of the present invention terminal can be connect communication network or do not connect communication network, described sound signal is modeled to UART, IIC or SPI serial communication protocol.Specifically, method of the present invention is utilized the communication function of mobile phone to realize docking with banking system, and is accomplished the function of user at fiscard terminal bankcard consumption through the data at mobile phone reception fiscard terminal.
Please with reference to Fig. 1, the terminal of fiscard described in the present embodiment comprises encryption processing module and the card reading module that is connected with this encryption processing module, PIN load module and LCD MODULE.Can know that from circuit structure this fiscard terminal does not possess directly and the function of banking system information interaction, it is through information being sent to said mobile phone, realizing with banking system mutual by mobile phone.According to the difference of card reading module, this fiscard terminal can not only be read and met ISO7811,7816,14443 magnetic card, Contact Type Ic Card and non-contact IC card, and bank card inspection center related specifications is satisfied in design; It is thus clear that said mobile phone is given with the card information that obtains and PIN information transmission in this fiscard terminal, accomplish mutual with banking system by mobile phone, solve the terminal of swiping the card and carried and connect inconvenient problem, and better saved the cost at the terminal of swiping the card.In addition, for the safety of guarantee information, described card information and PIN information are after encrypting through described encrypting module, to convert sound signal again to, are transferred to said mobile phone through Bluetooth protocol.
Preferable; In an embodiment of the present invention; Said communication data simulation is the mode through simulation bluetooth earphone and mobile communication; Utilize the left and right acoustic channels in the bluetooth earphone to realize mobile phone, utilize the microphone channel realization fiscard terminal of bluetooth earphone to upload data to mobile phone to fiscard terminal downlink data.Be that said mobile phone passes through Bluetooth protocol to the fiscard terminal transmits information; The sound signal that can decode and transmit through the bluetooth earphone microphone channel in this fiscard terminal, and the instruction of identification mobile phone transmission.
What deserves to be mentioned is that the present invention through mobile phone, can realize the real-time online payment because mobile phone has substituted financial the mutual of terminal completion and banking system information of swiping the card, and therefore, we can be provided with the net purchase payment application on mobile phone.
In order to let those skilled in the art better understand the present invention; Process flow diagram below in conjunction with an embodiment further specifies the present invention; See also Fig. 2, pairing is set up at mobile phone and terminal, and mobile phone end starts payment application; Application program of mobile phone sends the transaction request packet to the terminal then, and this packet is modulated into the F2F audio format and passes to the terminal through bluetooth earphone L or R passage; The terminal is demodulated to packet with the F2F sound signal of receiving; The user swipes the card, inputs password, and the terminal obtains financial card information and encrypted message, and encrypts; After enciphered data is packed at the terminal; Packet is modulated into the F2F signal by digital signal, the F2F conversion of signals is become after the sound signal pass to mobile phone at last by the MIC passage of simulation bluetooth earphone, mobile phone with the signal demodulation after the 2G/3G link transmission is given bank server; Bank server carries out verification after receiving receipt, and the reply data bag is fed back to mobile phone.
In the present embodiment, the 3DES algorithm for encryption is adopted in above-mentioned encryption.The terminal all is through bluetooth earphone channel transfer (identical with common bluetooth earphone conversation form) by audio format with communication between main frame.See also Fig. 3, Fig. 3 is the packing data structural representation, and totally 11 of standard bytes of this packet comprise: 1 start bit (0)+8 data bit+1 even parity bit+1 position of rest.
F2F (frequency/double frequency) modulating wave is as shown in Figure 4, and according to the F2F figure, the data of expression 0 are F, and two zero crossing times are 2t; The data of expression 1 are 2F, and 2 zero crossing times are t, can recur 2 times.
The F2F demodulation: use the bit coded system that the transmission data are carried out modulation, twice zero crossing is that 2t then reads interval time is that 0, twice zero crossing time was t, and recurring twice, to read be 1 as shown in Figure 5.
The above is merely preferred embodiment of the present invention, and all equalizations of doing according to claim of the present invention change and modify, and all should belong to covering scope of the present invention.
Claims (9)
1. the method that realizes of bluetooth cellular phone pairing fiscard terminal; Comprise provide one have a Bluetooth function a mobile phone and a fiscard terminal; It is characterized in that: the communication data between said fiscard terminal and mobile phone is modeled to sound signal; Through the data communication of Bluetooth protocol realization mobile phone and fiscard terminal room, utilize the communication function of said mobile phone and the data that receive from the fiscard terminal and banking system to accomplish data interaction.
2. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal; It is characterized in that: said communication data simulation is the mode through simulation bluetooth earphone and mobile communication; Utilize the left and right acoustic channels in the bluetooth earphone to realize mobile phone, utilize the microphone channel realization fiscard terminal of bluetooth earphone to upload data to mobile phone to fiscard terminal downlink data.
3. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal, it is characterized in that: described sound signal is modeled to UART, IIC or SPI serial communication protocol.
4. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal; It is characterized in that: described fiscard terminal does not possess directly and the function of banking system information interaction; It is through information being sent to said mobile phone, realizing with banking system mutual by mobile phone.
5. the method that realize at bluetooth cellular phone pairing fiscard according to claim 4 terminal, it is characterized in that: said fiscard terminal comprises encryption processing module and the card reading module that is connected with this encryption processing module, PIN load module and LCD MODULE.
6. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal; It is characterized in that: described fiscard terminal can be read and met ISO7811,7816,14443 magnetic card, Contact Type Ic Card and non-contact IC card; And bank card inspection center related specifications is satisfied in design, and said mobile phone is given with card information that obtains and PIN information transmission in this fiscard terminal.
7. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal; It is characterized in that: after described card information and PIN information are encrypted through the built-in encrypting module of said fiscard; Convert sound signal again to, be transferred to said mobile phone through Bluetooth protocol.
8. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal, it is characterized in that: said mobile phone passes through Bluetooth protocol to the fiscard terminal transmits information; The sound signal that can decode and transmit through the bluetooth earphone microphone channel in this fiscard terminal, and the instruction of identification mobile phone transmission.
9. the method that realize at bluetooth cellular phone pairing fiscard according to claim 1 terminal, it is characterized in that: said mobile phone is provided with the net purchase payment application.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210049102.3A CN102592377B (en) | 2012-02-29 | 2012-02-29 | Method for realizing finance card terminal by Bluetooth mobile phone |
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| CN201210049102.3A CN102592377B (en) | 2012-02-29 | 2012-02-29 | Method for realizing finance card terminal by Bluetooth mobile phone |
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| CN102592377A true CN102592377A (en) | 2012-07-18 |
| CN102592377B CN102592377B (en) | 2014-06-11 |
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| CN104102995A (en) * | 2013-04-12 | 2014-10-15 | 联芯科技有限公司 | Bank card, mobile terminal, binding method and payment method based on mobile terminal |
| CN106228710A (en) * | 2016-07-21 | 2016-12-14 | 恒宝股份有限公司 | A kind of bank card individual's accepting terminal and using method |
| CN106846001A (en) * | 2017-01-12 | 2017-06-13 | 深圳怡化电脑股份有限公司 | Self-service dealing based reminding method and system, financial transaction apparatus, mobile terminal |
| CN107993068A (en) * | 2017-11-30 | 2018-05-04 | 钱宝科技服务（上海）有限公司 | Payment system under order line on a kind of line |
| CN109076295A (en) * | 2016-04-07 | 2018-12-21 | 索诺瓦公司 | Body worn personal device with pairing control |
| CN111372233A (en) * | 2013-03-27 | 2020-07-03 | 环汇***有限公司 | System and method for secure pairing of bluetooth devices |
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