CN104951936A - Cell phone card swiping device and card swipe transaction method thereof - Google Patents
Cell phone card swiping device and card swipe transaction method thereof Download PDFInfo
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- CN104951936A CN104951936A CN201410114211.8A CN201410114211A CN104951936A CN 104951936 A CN104951936 A CN 104951936A CN 201410114211 A CN201410114211 A CN 201410114211A CN 104951936 A CN104951936 A CN 104951936A
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Abstract
A cell phone card swiping device and a card swipe transaction method thereof relate to the field of mobile POS technology in financial payment industry. The cell phone card swiping device includes a mobile terminal and a large-capacity USIM card in mutual connection with the mobile terminal. The mobile terminal is inside provided with a near-field communication radio frequency terminal and a card swiping application program. The near-field communication radio frequency terminal is in communication with an external non-contact intelligent card through a radio frequency field. The near-field communication radio frequency terminal is used for reading and writing the non-contact intelligent card involved in transactions. The large-capacity USIM card is connected to the mobile terminal through an IC-USB interface and supports multiple applications, namely, the telecom applications and the card swipe transaction application at the same time. The card swiping application program stores data involved in transactions in a safe storage zone of the large-capacity USIM card. The card swiping application program calls a network of an operation system for accessing API (Application Program Interface)and realizes remote communication with a server during an online transaction process. By adopting the device and method provided by the invention, offline transactions can be realized and requirements for online transactions in mobile internet era are met. The invention provides a convenient and safety payment method.
Description
Technical field
The present invention relates to the mobile POS(Point of Sale of financial payment industry, point of sales terminal) technical field, particularly mobile phone card reader and method of commerce of swiping the card thereof.
Background technology
In prior art, the popular handset audio card reader in market is connected by 3.5 millimeters of audio interface with between mobile phone terminal, using Mike, earphone signal as data IO channel.Because such card reader belongs to the attached peripheral hardware of mobile phone, compatible being difficult to ensures, carries, installs the inconvenience that also seems.And due to input/output signal employing audio coding, traffic rate is lower.Existing audio frequency card reader majority can only brush magnetic stripe card, if will support that following bank generally adopts contactless smart card, will face the difficult problem such as the power supply providing radio-frequency field, the PSAM relating to transaction security installation.
Along with support NFC(Near Field Communication, near-field communication) smart mobile phone universal, become the idea of mobile POS to become possibility a general mobile terminal upgrading.Support NFC and IC-USB(Inter-Chip Universal Serial Bus, USB (universal serial bus) between sheet simultaneously) mobile terminal coordinate Large Copacity usim card may be advanced to the complete attainable technical scheme stage by this.
Summary of the invention
For above-mentioned the deficiencies in the prior art, the object of this invention is to provide a kind of mobile phone card reader and method of commerce of swiping the card thereof.It both can realize offline transaction, met again the demand of mobile Internet epoch instant online transaction, was a kind of convenient, safe modes of payments.
In order to reach foregoing invention object, technical scheme of the present invention realizes as follows:
A kind of mobile phone card reader, its design feature is, it comprises mobile terminal and Large Copacity USIM card interconnective with it.The built-in near-field communication radio-frequency head of described mobile terminal and application program of swiping the card, near-field communication radio-frequency head carries out communication by radio-frequency field and outside contactless smart card.
Near-field communication radio-frequency head, for reading and writing the contactless smart card of participating in business.
Large Copacity usim card, is connected with mobile terminal by IC-USB interface, and the support of Large Copacity usim card is applied more, namely supports telecommunications application and transaction application of swiping the card simultaneously.
Swipe the card application program, the API calling near-field communication radio-frequency head completes and the communication of contactless smart card of participating in business, read-write operation.The data that application program of swiping the card relates to concluding the business are stored into the secure storage areas of Large Copacity usim card.The network access API of application call operating system of swiping the card, realizes when on-line transaction and the telecommunication of server.
The method of commerce of swiping the card of mobile phone card reader described above, the steps include:
1) the near-field communication radio-frequency head on mobile terminal is opened;
2) application program of swiping the card is run;
3) be placed into by the contactless smart card being used for concluding the business in the radio-frequency field that near-field communication radio-frequency head launches, near-field communication radio-frequency head and contactless smart card set up communication;
4) to be swiped the card transaction by application program launching of swiping the card;
5) application program of swiping the card determines on-line transaction or off-line trading according to network condition and application scenarios;
6) the Large Copacity usim card that application program of swiping the card is used as PSAM by CCID channel access;
7) transaction data is stored into the secure storage areas of Large Copacity usim card (2) by application program of swiping the card;
8) once to swipe the card closing the transaction.
The present invention, owing to have employed said structure and method, both can realize offline transaction, met again the demand of mobile Internet epoch instant online transaction, and for mobile communications operator, businessman provides another can selection scheme.The present invention has also enriched mobile phone application, for cellphone subscriber provides a kind of convenient, safe payment scheme.
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
Accompanying drawing explanation
Fig. 1 is the structural representation of mobile phone card reader of the present invention;
Fig. 2 is that the present invention swipes the card method of commerce process flow diagram.
Embodiment
Referring to Fig. 1, mobile phone card reader of the present invention comprises mobile terminal 1 and Large Copacity USIM card 2 interconnective with it.The built-in near-field communication radio-frequency head 3 of mobile terminal 1 and application program 5 of swiping the card, near-field communication radio-frequency head 3 carries out communication by radio-frequency field and outside contactless smart card.
Near-field communication radio-frequency head 3, for reading and writing the contactless smart card of participating in business.
Large Copacity usim card 2, is connected with mobile terminal 1 by IC-USB interface 4.Large Copacity usim card 2 supports many application, namely supports telecommunications application and transaction application of swiping the card simultaneously.
Swipe the card application program 5, the API calling near-field communication radio-frequency head 3 completes and the communication of contactless smart card of participating in business, read-write operation.The data that application program of swiping the card 5 relates to concluding the business are stored into the secure storage areas of Large Copacity usim card 2; The network access API of application program of swiping the card 5 call operation system, realizes when on-line transaction and the telecommunication of server.
During the invention process, by supporting that intelligent mobile terminal 1 upgrade cost of NFC and IC-USB interface is invented the mobile phone card reader introduced and realized, implement the first step, develop application program 5 of swiping the card, complete following work:
1) by calling the standard A PI storehouse that terminal operating system provides, the functions such as the user interface of program, user input method, voice message are realized.
2) by calling the API of NFC as reader/writer mode, the communication to contactless smart card, read and write access is realized.
3) by calling CCID API, realize swiping the card in process of exchange to the access of the Large Copacity usim card 2 used as PSAM.
4) by calling CCID API and operating system storage class API, the secure storage areas to transaction data being stored into Large Copacity usim card 2 is realized.
5) by the network access API of call operation system, realize when on-line transaction and the telecommunication of server.
Implement second step, transaction of swiping the card, referring to Fig. 2, is completed by following steps:
1) the near-field communication radio-frequency head 3 on mobile terminal 1 is opened.
2) application program 5 of swiping the card is run.
3) be placed into by the contactless smart card being used for concluding the business in the radio-frequency field launched near-field communication radio-frequency head 3 front end, near-field communication radio-frequency head 3 sets up communication with reader/writer mode and non-contact card.
4) start by application program 5 of swiping the card transaction of swiping the card.
5) application program of swiping the card 5 determines on-line transaction or off-line trading according to network condition and application scenarios.
6) the Large Copacity usim card 2 that application program of swiping the card 5 is used as PSAM by CCID channel access.
7) transaction data is stored into the secure storage areas of Large Copacity usim card 2 by application program of swiping the card 5.
8)
once to swipe the card closing the transaction.
Claims (2)
1. a mobile phone card reader, it is characterized in that, it comprises mobile terminal (1) and Large Copacity USIM card (2) interconnective with it, the built-in near-field communication radio-frequency head (3) of described mobile terminal (1) and application program of swiping the card (5), near-field communication radio-frequency head (3) carries out communication by radio-frequency field and outside contactless smart card;
Near-field communication radio-frequency head (3), for reading and writing the contactless smart card of participating in business;
Large Copacity usim card (2), is connected with mobile terminal (1) by IC-USB interface (4), and Large Copacity usim card (2) supports many application, namely supports telecommunications application and transaction application of swiping the card simultaneously;
Application program of swiping the card (5), the API calling near-field communication radio-frequency head (3) completes and the communication of contactless smart card of participating in business, read-write operation; The data that application program of swiping the card (5) relates to concluding the business are stored into the secure storage areas of Large Copacity usim card (2); The network access API of application program of swiping the card (5) call operation system, realizes when on-line transaction and the telecommunication of server.
2. the method for commerce of swiping the card of mobile phone card reader as claimed in claim 1, the steps include:
1) the near-field communication radio-frequency head (3) on mobile terminal (1) is opened;
2) application program (5) of swiping the card is run;
3) be placed into by the contactless smart card being used for concluding the business in the radio-frequency field that near-field communication radio-frequency head (3) launches, near-field communication radio-frequency head (3) and contactless smart card set up communication;
4) start by application program of swiping the card (5) transaction of swiping the card;
5) application program of swiping the card (5) determines on-line transaction or off-line trading according to network condition and application scenarios;
6) the Large Copacity usim card (2) that application program of swiping the card (5) is used as PSAM by CCID channel access;
7) transaction data is stored into the secure storage areas of Large Copacity usim card (2) by application program of swiping the card (5);
8) once to swipe the card closing the transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410114211.8A CN104951936A (en) | 2014-03-26 | 2014-03-26 | Cell phone card swiping device and card swipe transaction method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410114211.8A CN104951936A (en) | 2014-03-26 | 2014-03-26 | Cell phone card swiping device and card swipe transaction method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104951936A true CN104951936A (en) | 2015-09-30 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410114211.8A Pending CN104951936A (en) | 2014-03-26 | 2014-03-26 | Cell phone card swiping device and card swipe transaction method thereof |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019237971A1 (en) * | 2018-06-11 | 2019-12-19 | ***股份有限公司 | Point-of-sale management device and point-of-sale service management system based on intelligent terminal |
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| CN101887617A (en) * | 2010-07-13 | 2010-11-17 | 武汉天喻信息产业股份有限公司 | Method and system for establishing data channel of mobile payment |
| CN102256001A (en) * | 2011-04-02 | 2011-11-23 | 上海华申智能卡应用***有限公司 | Near field payment method for smart phone |
| CN102567770A (en) * | 2010-12-31 | 2012-07-11 | 国民技术股份有限公司 | Smart card and POS (Point-Of-Sale) terminal |
| CN102568122A (en) * | 2011-12-26 | 2012-07-11 | 东信和平智能卡股份有限公司 | POS (point of sale) terminal system combining smart card and mobile phone |
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2014
- 2014-03-26 CN CN201410114211.8A patent/CN104951936A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101887617A (en) * | 2010-07-13 | 2010-11-17 | 武汉天喻信息产业股份有限公司 | Method and system for establishing data channel of mobile payment |
| CN102567770A (en) * | 2010-12-31 | 2012-07-11 | 国民技术股份有限公司 | Smart card and POS (Point-Of-Sale) terminal |
| CN102256001A (en) * | 2011-04-02 | 2011-11-23 | 上海华申智能卡应用***有限公司 | Near field payment method for smart phone |
| CN102568122A (en) * | 2011-12-26 | 2012-07-11 | 东信和平智能卡股份有限公司 | POS (point of sale) terminal system combining smart card and mobile phone |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2019237971A1 (en) * | 2018-06-11 | 2019-12-19 | ***股份有限公司 | Point-of-sale management device and point-of-sale service management system based on intelligent terminal |
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| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information |
Address after: 100083 18 floor, West Tower, block D, Tongfang science and Technology Plaza, 1 Wang Zhuang Road, Wudaokou, Haidian District, Beijing. Applicant after: ZIGUANG TONGXIN MICROELECTRONICS Co.,Ltd. Address before: 100083 18 floor, West Tower, block D, Tongfang science and Technology Plaza, 1 Wang Zhuang Road, Wudaokou, Haidian District, Beijing. Applicant before: BEIJING TONGFANG MICROELECTRONICS Co.,Ltd. |
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| CB02 | Change of applicant information | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150930 |
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| WD01 | Invention patent application deemed withdrawn after publication |