WO2013181882A1 - 手写笔、移动终端以及信息的处理方法 - Google Patents

手写笔、移动终端以及信息的处理方法 Download PDF

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Publication number
WO2013181882A1
WO2013181882A1 PCT/CN2012/079371 CN2012079371W WO2013181882A1 WO 2013181882 A1 WO2013181882 A1 WO 2013181882A1 CN 2012079371 W CN2012079371 W CN 2012079371W WO 2013181882 A1 WO2013181882 A1 WO 2013181882A1
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WO
WIPO (PCT)
Prior art keywords
stylus
information
merchant terminal
smart card
user
Prior art date
Application number
PCT/CN2012/079371
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English (en)
French (fr)
Inventor
刘婷婷
Original Assignee
中兴通讯股份有限公司
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 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Priority to US14/405,977 priority Critical patent/US20150149347A1/en
Priority to EP12878221.6A priority patent/EP2851764A4/en
Publication of WO2013181882A1 publication Critical patent/WO2013181882A1/zh

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Classifications

    • 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
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/03—Arrangements for converting the position or the displacement of a member into a coded form
    • G06F3/033—Pointing devices displaced or positioned by the user, e.g. mice, trackballs, pens or joysticks; Accessories therefor
    • G06F3/0354—Pointing devices displaced or positioned by the user, e.g. mice, trackballs, pens or joysticks; Accessories therefor with detection of 2D relative movements between the device, or an operating part thereof, and a plane or surface, e.g. 2D mice, trackballs, pens or pucks
    • G06F3/03545—Pens or stylus
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F3/00—Input arrangements for transferring data to be processed into a form capable of being handled by the computer; Output arrangements for transferring data from processing unit to output unit, e.g. interface arrangements
    • G06F3/01—Input arrangements or combined input and output arrangements for interaction between user and computer
    • G06F3/048—Interaction techniques based on graphical user interfaces [GUI]
    • G06F3/0487—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser
    • G06F3/0488—Interaction techniques based on graphical user interfaces [GUI] using specific features provided by the input device, e.g. functions controlled by the rotation of a mouse with dual sensing arrangements, or of the nature of the input device, e.g. tap gestures based on pressure sensed by a digitiser using a touch-screen or digitiser, e.g. input of commands through traced gestures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/04—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the shape
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/352—Contactless payments by cards

Definitions

  • Stylus Stylus, mobile terminal, and information processing method
  • the present invention relates to the field of mobile delivery, and more particularly to a stylus, a mobile terminal, and a method of processing information. Background technique
  • NFC Near Field Communication
  • the technical problem to be solved by the present invention is to provide a stylus, a mobile terminal and a method for processing information.
  • the merchant does not need to eliminate the original merchant terminal, and only needs to add a processing device, so that the original merchant terminal can adopt the NFC.
  • Technology deals with transactions and saves costs.
  • a stylus comprising: an NFC reading module, a transmitting module, and an interface module;
  • the NFC reading module is configured to acquire the information of the smart card by using the NFC technology
  • the sending module is configured to send, by using the interface module, the information of the smart card acquired by the NFC reading module to the merchant terminal;
  • An interface module configured to perform information transmission with a merchant terminal.
  • the NFC reading module is specifically configured to acquire information of the smart card from a smart card by using an NFC technology, or obtain information of the smart card from a user terminal by using an NFC technology.
  • the stylus further comprises:
  • the input module after receiving the response from the merchant terminal, inputs the signature of the user to the merchant terminal.
  • the interface module is a Universal Serial BUS (USB) interface module or a Bluetooth module.
  • USB Universal Serial BUS
  • a mobile terminal including the stylus described above.
  • a method of processing information comprising:
  • the stylus obtains the information of the smart card through NFC technology
  • the stylus transmits information of the smart card to a merchant terminal.
  • the stylus obtains information of the smart card through the NFC technology, so that the stylus obtains the information of the smart card from the smart card through the NFC technology, or
  • the stylus acquires information of the smart card from the user terminal through the NFC technology.
  • the method further includes:
  • the stylus After receiving the response from the merchant terminal, the stylus inputs the signature of the user to the merchant terminal.
  • the inputting the signature of the user to the merchant terminal is,
  • the stylus inputs the signature of the user on a touch screen or a tablet of the merchant terminal according to a user operation;
  • the stylus obtains the signature of the user from the user terminal through the NFC technology, and sends the signature of the user to the merchant terminal.
  • the method further includes: Sending, by the merchant terminal, the signature of the user to the server, so that the server performs handwriting authentication;
  • the server processes the account balance of the smart card and the account balance of the merchant separately stored in the server according to the transaction amount and the transaction mode information sent by the merchant terminal.
  • the stylus acquires the information of the smart card through the NFC technology; the stylus sends the information of the smart card to the merchant terminal, so that the merchant terminal sends the smart card information to the server for verification.
  • the merchant does not need to eliminate the original merchant terminal, and only needs to add a processing device (stylus) to enable the original merchant terminal to use NFC technology for transaction processing and save costs.
  • FIG. 1 is a schematic view showing the connection of a stylus according to the present invention
  • FIG. 2 is a schematic structural view of a stylus according to the present invention.
  • FIG. 3 is a schematic diagram of connection of a transaction processing system according to the present invention.
  • FIG. 4 is a schematic flowchart of a first embodiment of a method for processing information according to the present invention
  • FIG. 5 is a schematic flowchart of a second embodiment of a method for processing information according to the present invention
  • FIG. 7 is a schematic flowchart of a process after a merchant terminal side receives credit card information sent by a stylus in an application scenario of the present invention.
  • the stylus includes: NFC reading An ear block 11, a transmitting module 12, and an interface module 13;
  • the NFC reading module 11 acquires information of the smart card through the NFC technology
  • the sending module 12 sends the information of the smart card acquired by the NFC reading module 11 to the merchant terminal through the interface module 13;
  • the interface module 13 performs information transmission with the merchant terminal
  • the interface module 13 can be a USB interface module or a Bluetooth module.
  • the stylus and the merchant terminal can be connected through the USB port, which is relatively safe; it can also be connected by other means such as Bluetooth.
  • the interface module 13 can be integrated in the stylus pen.
  • the NFC reading module 11 and the transmitting module 12 can be integrated in the pen body of the stylus. Of course, other mechanical assembly methods are also possible.
  • the NFC reading module 11 specifically: obtains the information of the smart card from the smart card by using the NFC technology, and correspondingly, the smart card supports the NFC technology.
  • the NFC reading module 11 specifically: obtains information of the smart card from the user terminal by using the NFC technology.
  • the user terminal supports the NFC technology, and the information of the smart card is stored in advance.
  • the stylus further includes:
  • the input module 14 inputs the signature of the user to the merchant terminal after receiving the response from the merchant terminal.
  • the input module 14 is specifically configured to: input a signature of the user on a touch screen or a tablet of the merchant terminal according to an operation of the user, thereby inputting a signature handwriting of the user to the merchant terminal.
  • the merchant terminal has a touch screen or a tablet.
  • the input module 14 is specifically: the stylus receives the signature of the user from the user terminal by using NFC technology, and sends the signature of the user to the merchant terminal.
  • the user terminal supports NFC technology, and the user's signature handwriting is stored in advance.
  • the application scenario of the stylus according to the present invention is described below.
  • the invention provides a stylus combined with the NFC function, and the user can complete the process of payment, settlement and signing through the NFC stylus.
  • the stylus is divided into three parts: the pen tip, the pen body, and the pen tip.
  • processor NFC card reader module
  • USB interface Added in the pen body: processor, NFC card reader module, USB interface and power supply module.
  • the pen body integrates the NFC card reader module, which is equivalent to the above-mentioned NFC read ear module 11; the processor is equivalent to the above-mentioned transmitting module 12; the pen head integrates the USB interface, which is equivalent to the above-mentioned interface module 13.
  • the NFC card reader module is used to read the customer's NFC terminal or the NFC smart card to obtain the information of the smart card and hand it to the processor for processing.
  • Processor Used to connect to the NFC card reader and forward the received transaction information to the USB interface.
  • USB interface Used to transfer transaction information obtained from the processor from the USB interface to the connected merchant terminal.
  • Power supply module Used to supply power to the processor and USB interface.
  • the pen body of the stylus of the present invention has an NFC card reader for reading data, and cooperates with the existing terminal of the merchant (which can be a mobile phone or a tablet computer) to complete the function of submitting data to the bank to complete the transaction.
  • the merchant can not replace the existing terminal (the application that needs to update the terminal), and the stylus is added, and at the same time, the stylus has the advantage of being convenient to carry.
  • a transaction processing system includes: a stylus 31, a merchant terminal 32, and a server 33;
  • the stylus 31 acquires information of the smart card through the NFC technology; and sends the information of the smart card to the merchant terminal;
  • the merchant terminal 32 sends the information of the smart card and the merchant information to the server;
  • the server 33 performs information authentication on the information of the smart card and the merchant information.
  • the application scenario of the processing system of the transaction described in the present invention is described below.
  • the merchant terminal (which can be used for mobile phones or tablets) can handle the corresponding processing. In order to cooperate with the transaction, the merchant terminal is specifically:
  • the merchant terminal can include a touch screen or a tablet. After the customer signs the order, the user's handwriting is submitted to the bank server.
  • the present invention can also provide a mobile terminal including the above-described stylus.
  • a first embodiment of a method for processing information according to the present invention includes:
  • Step 41 The stylus obtains the information of the smart card through the NFC technology.
  • Step 42 The stylus sends the information of the smart card to the merchant terminal.
  • the stylus and the merchant terminal can be connected through the USB port, which is relatively safe; or can be connected by other means such as Bluetooth.
  • Step 41 is specifically: the stylus obtains the information of the smart card from the smart card by using NFC technology; correspondingly, the smart card supports the NFC technology;
  • the step 41 is specifically: the stylus obtains the information of the smart card from the user terminal by using the NFC technology. Accordingly, the user terminal supports the NFC technology, and the information of the smart card is stored in advance.
  • the method further includes:
  • Step 43 After receiving the response from the merchant terminal, the stylus inputs the signature of the user to the merchant terminal;
  • Step 43 is specifically: the stylus inputs the signature handwriting of the user on the touch screen or the tablet of the merchant terminal according to the operation of the user, thereby inputting to the merchant terminal The signature of the household.
  • the merchant terminal has a touch screen or a tablet; or, the step 43 is specifically: the stylus receives the signature of the user from the user terminal by using NFC technology, and sends the signature of the user to the stylus The merchant terminal.
  • the user terminal supports the NFC technology, and the signature handwriting of the user is stored in advance.
  • a second embodiment of a method for processing information according to the present invention includes:
  • Step 51 The stylus acquires the information of the smart card through the NFC technology.
  • Step 52 The stylus sends the information of the smart card to the merchant terminal.
  • the stylus and the merchant terminal can be connected through the USB port, which is relatively safe; or can be connected by other means such as Bluetooth.
  • Step 53 The merchant terminal sends the information of the smart card and the merchant information to the server, so that the server performs information authentication on the information of the smart card and the merchant information.
  • the merchant terminal After the merchant terminal receives the information that the information returned by the server is successfully authenticated, the merchant terminal sends a response message to the stylus.
  • Step 55 After receiving the response from the merchant terminal, the stylus inputs the signature of the user to the merchant terminal.
  • Step 56 The merchant terminal sends the signature of the user to the server, so that the server performs handwriting authentication; after the handwriting authentication is successful, the server according to the transaction amount and transaction mode information received from the merchant terminal, The account balance of the smart card saved in the server and the account balance of the merchant are separately processed. Specifically, when the transaction mode is consumption, the account balance of the smart card decreases the transaction amount value, and the account balance of the merchant increases the account balance of the merchant; when the transaction mode is refund, the account balance of the smart card increases the transaction amount value; The merchant's account balance reduces the merchant's account balance.
  • the method further includes: the step of the merchant terminal sending the transaction amount and the transaction mode information to the server.
  • the step may be performed at the merchant terminal to receive the information returned by the server. This step is performed after the information of the work; this step can also be performed after the server handwriting authentication is successful.
  • a third embodiment of a method for processing information according to the present invention includes:
  • Step 61 The stylus obtains the information of the smart card through the NFC technology.
  • Step 62 The stylus sends the information of the smart card to the merchant terminal.
  • the stylus and the merchant terminal can be connected through the USB port, which is relatively safe; or can be connected by other means such as Bluetooth.
  • Step 63 The merchant terminal sends the information of the smart card and the merchant information to the server, so that the server performs information authentication.
  • Step 64 After receiving the information that the information returned by the server is successfully authenticated, the merchant terminal acquires the password of the smart card according to the instruction of the user.
  • Step 65 The merchant terminal sends a password of the smart card to the server, so that the server performs password authentication.
  • Step 66 After the merchant terminal receives the information that the password authentication succeeded by the server, the merchant terminal sends a response message to the stylus.
  • Step 67 After receiving the response from the merchant terminal, the stylus inputs the signature of the user to the merchant terminal.
  • Step 68 The merchant terminal sends the signature of the user to the server, so that the server performs handwriting authentication. After the handwriting authentication is successful, the server according to the transaction amount and transaction mode information received from the merchant terminal. The account balance of the smart card saved in the server and the account balance of the merchant are separately processed.
  • the method further includes: the step of the merchant terminal sending the transaction amount and the transaction mode information to the server.
  • the step may be performed after the merchant terminal receives the information that the information returned by the server is successfully authenticated; or the step may be performed after the server handwriting authentication is successful. This step can also be performed after the server password authentication is successful.
  • the smart cards described herein include, but are not limited to, financial cards, supermarket prepaid cards, transit cards, and the like.
  • the application scenario of the present invention is described below. In this application scenario, the smart card is a credit card and the server is a bank server.
  • the method includes:
  • USB interface of the stylus connects the USB interface of the stylus to the USB interface of the merchant terminal (other connection methods such as Bluetooth can also be used);
  • the stylus sweeps over the customer's NFC terminal (for example, a mobile phone or tablet) or an NFC credit card.
  • the NFC reader in the stylus reads the credit card information stored by the customer's NFC terminal, or the NFC reader in the stylus. Obtaining the credit card information by reading the NFC credit card; then, the stylus is transmitted to the merchant terminal through the USB interface (other transmission methods are also possible);
  • the merchant terminal sends the merchant information and the credit card information to the bank server (either wirelessly or by wire) for information verification;
  • the merchant terminal obtains the credit card password input by the user, and sends it to the bank server for verification;
  • the merchant terminal obtains a sign that the user completes the stylus on the touch screen or the tablet of the merchant terminal;
  • the merchant terminal sends the handwritten note of the user to the bank server for handwriting verification.
  • the processing process includes the following:
  • the merchant terminal sends the merchant information and the received credit card information to the bank server (via wireless network or other transmission method) in accordance with the format and order negotiated with the bank server to verify whether the credit card and the merchant information are legitimate. If it is legal, continue with the following steps; if it is not legal, it ends.
  • the merchant terminal obtains the transaction amount entered by the merchant, and the customer confirms and enters the credit card.
  • the password the merchant terminal obtains the credit card password entered by the customer; the merchant terminal sends the credit card password and the transaction amount to the bank server to verify whether the data is legal. If it is legal, continue with the following steps; if it is not legal, it ends.
  • the screen of the merchant terminal displays the merchant information, the credit card information, the spending amount, and the signature area, and the customer signs the ticket in the signature area with the stylus.
  • the merchant terminal then sends the user's handwriting to the bank server to verify that the data is legitimate. If legal, the transaction ends; if not, the transaction is cancelled.

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Abstract

本发明提供了一种手写笔、移动终端以及信息的处理方法，所述手写笔包括：近场通讯（NFC）读取模块、发送模块和接口模块；其中，所述NFC读取模块，用于通过NFC技术获取智能卡的信息；所述发送模块，用于将所述NFC读取模块获取的智能卡的信息通过所述接口模块发送给所述商户终端；接口模块，用于与商户终端进行信息传输。商家不需要淘汰原有的商户终端，只需要增加一处理设备（手写笔），就可以使原有的商户终端能够采用NFC技术进行交易处理，节省成本。

Description

手写笔、 移动终端以及信息的处理方法 技术领域
本发明涉及移动交付领域， 特别是指一种手写笔、 移动终端以及信息 的处理方法。 背景技术
与传统的近巨离通讯技术相比， 近场通讯 ( Near Field Communication , NFC )技术不仅能够快速建立数据连接， 而且具有较高的数据传输安全性。 随着 NFC技术的不断成熟， NFC技术逐渐应用到移动交付领域。
但是，目前商家所采用的商户终端通常不支持采用 NFC技术进行交付， 如果要采用 NFC技术进行交付， 就需要淘汰原有的商户终端， 更换为支持 采用 NFC技术进行交易的商户终端， 更换成本很高。 发明内容
本发明要解决的技术问题是提供一种手写笔、 移动终端以及信息的处 理方法， 商家不需要淘汰原有的商户终端， 只需要增加一处理设备， 就可 以使原有的商户终端能够采用 NFC技术进行交易处理， 节省成本。
为解决上述技术问题， 本发明的实施例提供技术方案如下：
一方面， 提供一种手写笔， 所述手写笔包括： NFC读取模块、 发送模 块和接口模块； 其中，
所述 NFC读取模块， 用于通过 NFC技术获取智能卡的信息； 所述发送模块， 用于将 NFC读取模块获取的所述智能卡的信息通过所 述接口模块发送给所述商户终端；
接口模块， 用于与商户终端进行信息传输。 优选地， 所述 NFC读取模块， 具体用于通过 NFC技术，从智能卡获取 所述智能卡的信息， 或者通过 NFC技术， 从用户终端获取智能卡的信息。
优选地， 所述手写笔还包括：
输入模块， 在收到所述商户终端的响应后， 向所述商户终端输入用户 的签字笔迹。
优选地， 所述接口模块为通用串行总线 （Universal Serial BUS, USB ) 接口模块或者蓝牙模块。
另一方面， 提供一种移动终端， 包括权上述的手写笔。
另一方面， 提供一种信息的处理方法， 所述方法包括：
手写笔通过 NFC技术获取智能卡的信息；
所述手写笔将所述智能卡的信息发送给商户终端。
优选地， 所述手写笔通过 NFC技术获取智能卡的信息， 为， 所述手写 笔通过 NFC技术， 从智能卡获取所述智能卡的信息， 或者
所述手写笔通过 NFC技术， 从用户终端获取智能卡的信息。
优选地， 所述手写笔将所述智能卡的信息发送给商户终端之后， 所述 方法还包括：
所述手写笔收到所述商户终端的响应后， 向所述商户终端输入用户的 签字笔迹。
优选地， 所述向所述商户终端输入用户的签字笔迹， 为，
所述手写笔根据用户的操作， 在所述商户终端的触摸屏或手写板上， 输入所述用户的签字笔迹； 或者
所述手写笔通过 NFC技术， 从用户终端获取所述用户的签字笔迹， 并 将所述用户的签字笔迹发送给所述商户终端。
优选地， 所述向所述商户终端输入用户的签字笔迹之后， 所述方法还 包括： 所述商户终端将所述用户的签字笔迹发送给所述服务器， 使所述服务 器进行笔迹认证；
所述服务器在笔迹认证成功后， 根据商户终端发来的交易金额和交易 方式信息， 对所述服务器中保存的所述智能卡的账户余额和商户的账户余 额分别进行处理。
本发明的实施例具有以下有益效果：
上述方案中， 手写笔通过 NFC技术获取智能卡的信息； 所述手写笔将 所述智能卡的信息发送给商户终端， 从而使得商家终端将所述智能卡信息 发送给服务器进行验证。 商家不需要淘汰原有的商户终端， 只需要增加一 处理设备（手写笔）， 就可以使原有的商户终端能够采用 NFC技术进行交 易处理， 节省成本。 附图说明
图 1为本发明所述的一种手写笔的连接示意图；
图 2为本发明所述的手写笔的结构示意图；
图 3为本发明所述的一种交易的处理***的连接示意图；
图 4为本发明所述的一种信息的处理方法的第一实施例的流程示意图； 图 5为本发明所述的一种信息的处理方法的第二实施例的流程示意图； 图 6为本发明所述的一种信息的处理方法的第三实施例的流程示意图； 图 7 为本发明的应用场景中商户终端侧接收到手写笔发送的***信 息后的处理过程的流程示意图。 具体实施方式
为使本发明的实施例要解决的技术问题、 技术方案和优点更加清楚， 下面将结合附图及具体实施例进行详细描述。
如图 1所示， 为本发明所述的一种手写笔， 所述手写笔包括： NFC读 耳 4莫块 11、 发送模块 12和接口模块 13; 其中，
所述 NFC读取模块 11 , 通过 NFC技术获取智能卡的信息；
发送模块 12, 将所述 NFC读取模块 11获取的智能卡的信息发通过所 述接口模块 13送给商户终端；
接口模块 13, 与商户终端进行信息传输；
所述接口模块 13可以为 USB接口模块或者蓝牙模块。 手写笔与商户 终端可以通过 USB口连接， 安全性比较高； 也可以通过蓝牙等其他方式连 接。
其中， 接口模块 13可以集成在手写笔的笔头。 NFC读取模块 11和发 送模块 12可以集成在所述手写笔的笔身内。 当然， 也可以采用其他的机械 组装方式。
所述 NFC读取模块 11具体为： 通过 NFC技术， 从智能卡获取所述智 能卡的信息， 相应的， 智能卡支持 NFC技术。
或者， 所述 NFC读取模块 11具体为： 通过 NFC技术， 从用户终端获 取智能卡的信息。 相应的， 用户终端支持 NFC技术， 并且预先存储有智能 卡的信息。
所述的手写笔， 还包括：
输入模块 14, 在接收到所述商户终端的响应后， 向所述商户终端输入 用户的签字笔迹。
输入模块 14具体为： 根据用户的操作， 在所述商户终端的触摸屏或者 手写板上， 输入所述用户的签字笔迹， 从而向所述商户终端输入用户的签 字笔迹。 在该实施例中， 商户终端具有触摸屏或者手写板。
或者， 输入模块 14具体为： 所述手写笔通过 NFC技术， 从用户终端 接收所述用户的签字笔迹， 并将所述用户的签字笔迹发送给所述商户终端。 在该实施例中，用户终端支持 NFC技术，并且预先存储有用户的签字笔迹。 以下描述本发明所述的手写笔的应用场景。 本发明提出一种结合 NFC 功能的手写笔， 用户通过 NFC手写笔， 可以完成交费、 结算、签单的过程。
如图 2所示， 手写笔分为笔尖、 笔身、 笔头三部分。 在笔体内增加： 处理器、 NFC读卡器模块、 USB接口以及供电模块。 其中， 笔身集成 NFC 读卡器模块， 相当于上述的 NFC读耳 4莫块 11; 处理器相当于上述的发送模 块 12; 笔头集成 USB接口， 相当于上述的接口模块 13。
其中， NFC读卡器模块： 用于读取客户的 NFC终端或者 NFC智能卡， 以获取智能卡的信息， 并交处理器处理。
处理器：用于连接 NFC读卡器，将接收到的交易信息转发给 USB接口。
USB接口： 用于把从处理器得到的交易信息从 USB接口传到连接的商 户终端。
供电模块： 用于负责给处理器和 USB接口供电。
本发明的手写笔的笔体内置读取数据的 NFC读卡器， 配合商家现有的 终端（可以为手机或者平板电脑）， 完成向银行提交数据的功能， 以完成交 易。 商家可以不更换现有终端（需要更新终端的应用程序）， 并且增加手写 笔， 同时， 手写笔还具有携带方便的优点。
如图 3所示， 为本发明所述的一种交易的处理***， 包括： 手写笔 31、 商户终端 32、 服务器 33;
所述手写笔 31 , 通过 NFC技术获取智能卡的信息； 将所述智能卡的信 息发送给所述商户终端；
所述商户终端 32, 将所述智能卡的信息以及商户信息发送给所述服务 器；
所述服务器 33 , 对所述智能卡的信息以及商户信息进行信息认证。 以下描述本发明所述的交易的处理***的应用场景。
手写笔， 用于通过 USB接口供电， 将数据送到商户终端。 商户终端 （可以为手机或者平板电脑）设备做出相应的处理， 为了配 合交易， 商户终端具体为：
1、 与银行服务器建立安全连接， 并向银行服务器提交交易数据以进行 验证；
2、 显示交易详单， 并等待客户使用手写笔签单；
3、 商户终端可以包含有触摸屏或者手写板。 客户签单后， 将用户笔迹 提交给银行服务器。
银行服务器， 用于进行安全检查。
本发明还可以提供一种移动终端， 包括上述的手写笔。
如图 4所示， 为本发明所述的一种信息的处理方法的第一实施例， 包 括：
步驟 41 , 手写笔通过 NFC技术获取智能卡的信息。
步驟 42, 所述手写笔将所述智能卡的信息发送给商户终端。 该步驟中， 手写笔与商户终端可以通过 USB口连接， 安全性比较高； 也可以通过蓝牙 等其他方式连接。
步驟 41具体为： 所述手写笔通过 NFC技术， 从智能卡获取所述智能 卡的信息； 相应的， 智能卡支持 NFC技术；
或者， 步驟 41具体为： 所述手写笔通过 NFC技术， 从用户终端获取 智能卡的信息。 相应的， 用户终端支持 NFC技术， 并且预先存储有智能卡 的信息。
可选的， 步驟 42之后， 所述方法还包括：
步驟 43 , 所述手写笔接收到所述商户终端的响应后， 向所述商户终端 输入用户的签字笔迹；
步驟 43具体为： 所述手写笔根据用户的操作， 在所述商户终端的触摸 屏或者手写板上， 输入所述用户的签字笔迹， 从而向所述商户终端输入用 户的签字笔迹。 在该实施例中， 商户终端具有触摸屏或者手写板； 或者， 步驟 43具体为： 所述手写笔通过 NFC技术， 从用户终端接收 所述用户的签字笔迹， 并将所述用户的签字笔迹发送给所述商户终端。 在 该实施例中， 用户终端支持 NFC技术， 并且预先存储有用户的签字笔迹。
如图 5 所示， 为本发明所述的一种信息的处理方法的第二实施例， 包 括：
步驟 51 , 手写笔通过 NFC技术获取智能卡的信息。
步驟 52, 所述手写笔将所述智能卡的信息发送给商户终端。 该步驟中， 手写笔与商户终端可以通过 USB口连接， 安全性比较高； 也可以通过蓝牙 等其他方式连接。
步驟 53 , 所述商户终端将所述智能卡的信息以及商户信息发送给服务 器， 使所述服务器对所述智能卡的信息以及商户信息进行信息认证。
步驟 54,所述商户终端收到所述服务器返回的信息认证成功的信息后， 所述商户终端给所述手写笔发送响应消息。
步驟 55, 所述手写笔接收到所述商户终端的响应后， 向所述商户终端 输入用户的签字笔迹。
步驟 56, 所述商户终端将所述用户的签字笔迹发送给所述服务器， 使 所述服务器进行笔迹认证； 所述服务器在笔迹认证成功后， 根据从商户终 端接收的交易金额和交易方式信息， 对所述服务器中保存的所述智能卡的 账户余额和商户的账户余额分别进行处理。 具体为： 当交易方式为消费， 则所述智能卡的账户余额减少交易金额值， 商户的账户余额增加商户的账 户余额； 当交易方式为退款， 则所述智能卡的账户余额增加交易金额值； 商户的账户余额减少商户的账户余额。
上述实施中， 还包括： 商户终端给服务器发送交易金额和交易方式信 息的步驟。 该步驟可以在所述商户终端收到所述服务器返回的信息认证成 功的信息后执行该步驟； 也可以在所述服务器笔迹认证成功后执行该步驟。 如图 6所示， 为本发明所述的一种信息的处理方法的第三实施例， 包 括：
步驟 61 , 手写笔通过 NFC技术获取智能卡的信息。
步驟 62, 所述手写笔将所述智能卡的信息发送给商户终端。 该步驟中， 手写笔与商户终端可以通过 USB口连接， 安全性比较高； 也可以通过蓝牙 等其他方式连接。
步驟 63 , 所述商户终端将所述智能卡的信息以及商户信息发送给服务 器， 使所述服务器进行信息认证。
步驟 64,所述商户终端收到所述服务器返回的信息认证成功的信息后， 根据所述用户的指令， 获取所述智能卡的密码。
步驟 65 , 所述商户终端将所述智能卡的密码发送给所述服务器， 使所 述服务器进行密码认证。
步驟 66,所述商户终端收到所述服务器返回的密码认证成功的信息后， 所述商户终端给所述手写笔发送响应消息。
步驟 67 , 所述手写笔接收到所述商户终端的响应后， 向所述商户终端 输入用户的签字笔迹。
步驟 68 , 所述商户终端将所述用户的签字笔迹发送给所述服务器， 使 所述服务器进行笔迹认证； 所述服务器在笔迹认证成功后， 根据从商户终 端接收的交易金额和交易方式信息， 对所述服务器中保存的所述智能卡的 账户余额和商户的账户余额分别进行处理。
上述实施中， 还包括： 商户终端给服务器发送交易金额和交易方式信 息的步驟。 该步驟可以在所述商户终端收到所述服务器返回的信息认证成 功的信息后执行该步驟； 也可以在所述服务器笔迹认证成功后执行该步驟。 也可以在所述服务器密码认证成功后执行该步驟。 本文所述的智能卡包括但不限于金融卡、 超市的充值卡、 公交卡等。 以下描述本发明的应用场景。 该应用场景中， 智能卡为***， 服务 器为银行服务器。 所述方法包括：
首先，将手写笔的 USB接口与商户终端的 USB接口连接（也可以使用 蓝牙等其他连接方式）；
然后， 手写笔扫过客户的 NFC 终端 （例如为手机或平板电脑）或者 NFC***， 手写笔内的 NFC读卡器读取客户的 NFC终端存储的*** 信息，或者手写笔内的 NFC读卡器通过读取 NFC***获取***的信息； 然后， 手写笔通过 USB接口 （也可以采用别的传输方式）传输到商户 终端；
然后， 商户终端将商户信息和***信息， 发往银行服务器（可以通 过无线方式或者有线方式）， 以进行信息验证；
然后， 信息验证数据合法后， 商户终端获取用户输入的***密码， 并发给银行服务器进行验证；
然后， 密码验证数据合法后， 商户终端获取用户用手写笔在商户终端 的触摸屏或者手写板上完成的签单；
然后， 商户终端将用户签单的笔迹发送到银行服务器， 以进行笔迹验 证。
如图 7所示， 为商户终端侧接收到手写笔发送的***信息后的处理 过程， 包括如下：
首先， 商户终端将商户信息与收到的***信息， 按照与银行服务器 协商的格式和顺序， 送往银行服务器（通过无线网络或者别的传输方式）， 以验证***和商户信息是否合法。 如果合法， 则继续进行以下步驟； 如 果不合法， 则结束。
然后， 商户终端获取商家输入的交易金额， 客户确认后并输入*** 密码， 商户终端获取客户输入的***密码； 商户终端将***密码和交 易金额送往银行服务器， 以验证数据是否合法。 如果合法， 则继续进行以 下步驟； 如果不合法， 则结束。
然后， 商家终端的屏幕显示商户信息、 ***信息、 消费金额和签字 区域， 客户用手写笔在签字区域签单。
然后， 商家终端将用户笔迹送往银行服务器， 以验证数据是否合法。 如果合法， 则交易结束； 如果不合法， 则交易取消。
以上所述是本发明的优选实施方式， 应当指出， 对于本技术领域的普 通技术人员来说， 在不脱离本发明所述原理的前提下， 还可以作出若干改 进和润饰， 这些改进和润饰也应视为本发明的保护范围。

Claims

权利要求书
1.一种手写笔， 其特征在于， 所述手写笔包括： 近场通讯（NFC )读取 模块、 发送模块和接口模块； 其中，
所述 NFC读取模块， 用于通过 NFC技术获取智能卡的信息； 所述发送模块， 用于将所述 NFC读取模块获取的智能卡的信息通过所 述接口模块发送给所述商户终端；
接口模块， 用于与商户终端进行信息传输。
2.根据权利要求 1所述的手写笔， 其特征在于， 所述 NFC读取模块， 具体用于通过 NFC技术， 从智能卡获取所述智能卡的信息， 或者通过 NFC 技术， 从用户终端接收智能卡的信息。
3.根据权利要求 1所述的手写笔， 其特征在于， 所述手写笔还包括： 输入模块， 在收到所述商户终端的响应后， 向所述商户终端输入用户 的签字笔迹。
4.根据权利要求 1所述的手写笔， 其特征在于， 所述接口模块为通用串 行总线 （USB )接口模块或者蓝牙模块。
5.—种移动终端， 其特征在于， 包括权利要求 1至 4任一权利要求所述 的手写笔。
6.—种信息的处理方法， 其特征在于， 所述方法包括：
手写笔通过近场通讯（NFC )技术获取智能卡的信息；
所述手写笔将所述智能卡的信息发送给商户终端。
7.根据权利要求 6所述的信息的处理方法， 其特征在于， 所述手写笔通 过 NFC技术获取智能卡的信息， 为：
所述手写笔通过 NFC技术， 从智能卡获取所述智能卡的信息， 或者 所述手写笔通过 NFC技术， 从用户终端获取智能卡的信息。
8.根据权利要求 6所述的信息的处理方法， 其特征在于， 所述手写笔将 所述智能卡的信息发送给商户终端之后， 所述方法还包括：
所述手写笔收到所述商户终端的响应后， 向所述商户终端输入用户的 签字笔迹。
9.根据权利要求 8所述的信息的处理方法， 其特征在于， 所述向所述商 户终端输入用户的签字笔迹， 为，
所述手写笔根据用户的操作， 在所述商户终端的触摸屏或手写板上， 输入所述用户的签字笔迹； 或者
所述手写笔通过 NFC技术， 从用户终端获取所述用户的签字笔迹， 并 将所述用户的签字笔迹发送给所述商户终端。
10.根据权利要求 8所述的信息的处理方法， 其特征在于， 所述向所述 商户终端输入用户的签字笔迹之后， 所述方法还包括：
所述商户终端将所述用户的签字笔迹发送给服务器， 使所述服务器进 行笔迹认证；
所述服务器在笔迹认证成功后， 根据商户终端发来的交易金额和交易 方式信息， 对所述服务器中保存的所述智能卡的账户余额和商户的账户余 额分别进行处理。
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