CN104424495A - Card transaction device and card transaction method - Google Patents
Card transaction device and card transaction method Download PDFInfo
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- CN104424495A CN104424495A CN201410401805.7A CN201410401805A CN104424495A CN 104424495 A CN104424495 A CN 104424495A CN 201410401805 A CN201410401805 A CN 201410401805A CN 104424495 A CN104424495 A CN 104424495A
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- card transaction
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- reading head
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- 238000000034 method Methods 0.000 title claims description 32
- 230000005540 biological transmission Effects 0.000 claims description 58
- 238000004891 communication Methods 0.000 claims description 14
- 230000008901 benefit Effects 0.000 abstract description 2
- 238000010586 diagram Methods 0.000 description 14
- 238000004080 punching Methods 0.000 description 11
- 230000008569 process Effects 0.000 description 5
- 230000005236 sound signal Effects 0.000 description 4
- 238000006243 chemical reaction Methods 0.000 description 2
- 230000005611 electricity Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- WHXSMMKQMYFTQS-UHFFFAOYSA-N Lithium Chemical compound [Li] WHXSMMKQMYFTQS-UHFFFAOYSA-N 0.000 description 1
- 230000009471 action Effects 0.000 description 1
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- ZXQYGBMAQZUVMI-GCMPRSNUSA-N gamma-cyhalothrin Chemical compound CC1(C)[C@@H](\C=C(/Cl)C(F)(F)F)[C@H]1C(=O)O[C@H](C#N)C1=CC=CC(OC=2C=CC=CC=2)=C1 ZXQYGBMAQZUVMI-GCMPRSNUSA-N 0.000 description 1
- 238000003780 insertion Methods 0.000 description 1
- 230000037431 insertion Effects 0.000 description 1
- 229910052744 lithium Inorganic materials 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
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Abstract
The invention provides a card transaction device, which is applied to a portable electronic device. The card reading head is used for reading basic data of a card, the microcontroller is electrically connected with the card reading head, and the converter is electrically connected with the microcontroller. The invention has the advantages of improving the safety of payment transaction and reducing the occurrence of faults.
Description
Technical field
The invention relates to a kind of method of card transaction system and card transaction, and particularly about a kind of, there is the card transaction system of a microcontroller and the method for card transaction.
Background technology
Traditional card mechanism of exchange is divided into two kinds: the machine for punching the card of online transaction and the machine for punching the card of off line formula, and the machine for punching the card of wherein this online transaction must be arranged on the fixed position that network can be communicated with, as store credit card machine for punching the card; And although the machine for punching the card of off line formula does not need the fixed position being arranged on network to swipe the card, but still need to connect back-end system after transaction of swiping the card, belong to the operation that afterwards online mode completes credit card validation, also because the machine for punching the card of off line formula cannot in real time in the validity of online verification card, the risk of collecting money is improved relatively, and the machine for punching the card of off line formula is such as the POS machine on aircraft.The machine for punching the card of online transaction and the machine for punching the card of line formula are except having above-mentioned shortcoming, and the expense of buying more of machine for punching the card is also quite high.
At present, document disclosed in some improves the problem of conventional brush card machine, add the convenience of card transaction, also the expense that user buys equipment of swiping the card is reduced, [the Cardreader device for a cell phone and method of use] of such as U.S. Patent number US7810729 discloses a kind of small-sized reader device (the card reader device) and is connected on the audio source hole of an intelligent mobile phone, this intelligent mobile phone is allowed to become the machine for punching the card of an action instantaneously, it can complete transaction of swiping the card by real-time online, and the movement being also convenient to individual is carried.Data Data when card is mainly concluded the business by the technology of this reader device converts audio signal to, after again this audio signal being transferred to this intelligent mobile phone, this audio signal is reduced into Data Data during card transaction by this intelligent mobile phone again, is finally uploaded in the database of bank by this Data Data.[the Card reader device for a cell phone and method of use] although of U.S. Patent number US7810729 improve conventional brush card machine carry inconvenience and can not real-time online swipe the card transaction problem, this reader device (the card reader device) still has following shortcoming:
1. reader device (the card reader device) easily causes when reading card and converting audio signal to and works as machine, and causing swiping the card concluding the business produces unsuccessfully, needs user to restart rear just enough in normal operation.
2. the transaction data data of card are not through code conversion, therefore these transaction data data are more easily cracked, and security is not enough.
Therefore, how to design a card transaction system, security when allowing this card transaction system effectively reduce the generation of fault in use and to improve transaction is that worth those skilled in the art go to consider ground.
Summary of the invention
The object of the present invention is to provide a card transaction system, this card transaction system can reduce the generation of fault, and security when improving payment transaction.
The invention provides a kind of card transaction system, it is applied on a portable electronic apparatus, and this card transaction system comprises a card read head, a microcontroller, one first transmission interface and a converter.Wherein, card read head is the master data for reading a card, and microcontroller is electrically connected at card read head, and converter is electrically connected at microcontroller.
At upper described card transaction system, this portable electronic apparatus forgives one second transmission interface and an issued transaction uses software, and the second transmission interface links with the first transmission interface signal.
The present invention carries a kind of card method of commerce, and card method of commerce is applied on a card transaction system, and card transaction system comprises a card read head, a microcontroller and a converter, and card method of commerce comprises the following steps:
A. card read head reads the master data on a card, and stored in a data buffer of this card transaction system;
B. microcontroller is encoded to this master data, to produce one second coded data;
C. the second coded data is converted to a transmission signal;
D. transmission signal is sent to a portable electronic apparatus;
E. transmission signal is reduced into this master data;
F. a Transaction Information is produced;
G. master data and this Transaction Information are sent in a long-range database.
The invention provides a kind of card method of commerce, card method of commerce is applied on a card transaction system, and card transaction system comprises a card read head, a microcontroller and a converter, and card method of commerce comprises the following steps:
A. card read head reads the master data on a card, and stored in a data buffer of this card transaction system;
B. master data is encoded, to produce a first coding data;
C. first coding data is encoded, to produce one second coded data;
D. the second coded data is converted to a transmission signal;
E. transmission signal is sent to a portable electronic apparatus;
F. transmission signal is reduced into this master data;
G. a Transaction Information is produced;
H. master data and this Transaction Information are sent in a long-range database.
At upper described card method of commerce, wherein card read head reads card by the mode of near-field communication.
The invention has the beneficial effects as follows, the generation of fault can be reduced, and security when improving payment transaction.
For above-mentioned purpose of the present invention, feature and advantage more can be become apparent, hereafter will coordinate institute's accompanying drawings with embodiment, be described in detail below.It is noted that each assembly in institute's accompanying drawings is only signal, do not illustrate according to the actual ratio of each assembly.
Accompanying drawing explanation
Figure 1 shows that the card transaction system 10 of the present embodiment.
Figure 2 shows that the card transaction system 10 of the present embodiment is installed in the schematic diagram on intelligent mobile phone 20.
Fig. 3 and Figure 4 shows that the card transaction system 10 of the present embodiment reads the schematic diagram of credit card 30.
Figure 5 shows that the card transaction system 10 ' of another embodiment reads the schematic diagram of credit card 30.
Figure 6 shows that the process flow diagram of the card method of commerce S100 of the present embodiment.
Figure 7 shows that the schematic diagram of card 30 transaction program and each all meta functions of the present invention.
Figure 8 shows that the process flow diagram of the card method of commerce S200 of another embodiment.
Figure 9 shows that the schematic diagram of the another kind of transaction program of card 30 and each all meta functions of the present invention.
Embodiment
Please refer to Fig. 1 and Fig. 2, Figure 1 shows that the card transaction system 10 of the present embodiment, Figure 2 shows that the card transaction system 10 of the present embodiment is installed in the schematic diagram on portable electronic apparatus 20, card transaction system 10 is the rectangular box of a thin shape, it must link with a portable electronic apparatus 20 when using, just can carry out the payment transaction of card, portable electronic apparatus 20 is provided with one second transmission interface 21.The card transaction system 10 of the present embodiment comprises card read head 11, converter 12, microcontroller 13, battery 14, one group of warning lamp 15,1 first transmission interface 16 and a data buffer 17.Wherein, warning lamp 15 is arranged on the outer surface of card transaction system 10, first transmission interface 16 can be connected with the second transmission interface 21 communication of portable electronic apparatus, and card read head 11, converter 12, microcontroller 13, battery 14 and data buffer 17 are the inside being arranged on card transaction system 10.In above-mentioned, data buffer 17 is such as random access memory (Random AccessMemory).In addition, first transmission interface 16 is such as sound source plug, USB plug, HDMI plug or Video port plug, the wireless modules such as WiFi, RFID, bluetooth, infrared-ray communication module etc. and the second transmission interface 21 can corresponding to the first transmission interface 16, second transmission interface 21 is such as source of sound jack (corresponding to sound source plug), USB socket (corresponding to USB plug), HDMI socket (corresponding to HDMI plug) or Video port socket (corresponding to Video port plug), the wireless modules such as bluetooth, infrared-ray communication module etc.
Referring again to Fig. 3 and Fig. 4, Fig. 3 and Figure 4 shows that the card transaction system 10 of the present embodiment reads the schematic diagram of card 30.In the present embodiment, card transaction system 10 is that portable electronic apparatus 20 is such as intelligent mobile phone, flat computer or notebook computer etc. with the source of sound jack of the sound source plug of 3.5mm insertion portable electronic apparatus 20 for example carries out communication connection.Card read head 11 is mainly used in the master data of reading one card 30, such as: the effective age of cardholder data, holder's contact information (Mobile Directory Number or E-mail), card card number and card.Further, the master data that it reads by card read head 11 stored in data buffer 17, can carry out primary coding to master data, to produce a first coding data simultaneously.The microcontroller 13 of card transaction system 10 be electrically connected at card read head 11, converter 12, between warning lamp 15 and data buffer 17, whether microcontroller 13 timing detecting card read head 11, converter 12 and warning lamp 15 can have normal operation, such as: microcontroller 13 can be detected a card read head 11 and whether be in stand-by state every 15 minutes.When microcontroller 13 detects card read head 11 in the state when machine, card read head 11 can reset (card read head 11 restarts once) by microcontroller 13 immediately, makes card read head 11 recover stand-by state.Compared to known reader device (the card reader device), the card transaction system 10 of the present embodiment utilizes the function situation of microcontroller 13 management and control card read head 11 and converter 12, allow user when using card transaction system 10 to conclude the business, not easily produce the situation of card transaction system 10 when machine, so the chance of Fail Transaction is lower.In above-mentioned, card 30 is such as fiscard, cash card, credit card or the stored value card with data function of value storage.
In addition, the master data of encoding without card read head 11 or the first coding data after card read head 11 is encoded can be encoded by microcontroller 13, produce one second coded data.Second coded data can be converted to a transmission signal (such as sound source signal) via converter 12.Afterwards, be connected by the communication of the first transmission interface 16 (such as sound source plug) with the second transmission interface 21 (such as source of sound jack), transmission signal can be sent in portable electronic apparatus 20 by the first transmission interface 16.Because transmission signal is sent in portable electronic apparatus 20 process via the first transmission interface 16, in mobile phone, trojan horse program may steal transmission signal in the second transmission interface 21, due to card transaction system 10 by the master data of card through coding (that is: first time coding) at least one times, even if so transmission signal is also not easy the master data being reduced into card after being stolen.In addition card read head 11 and the coding criterion of microcontroller 13, by the coding settings specification of portable electronic apparatus by remote data base, by the first transmission interface and the second transmission interface, irregularly can upgrade, and reduces the risk that data are cracked further.
In addition, the electric power needed for card transaction system 10 of the present embodiment all supplied by built-in battery 14, and battery 14 is to use the effect of lithium battery for the best.Further, when battery 14 is not powered to data buffer 17, the master data of card 30 stored in data buffer 17 just can disappear.In addition, warning lamp 15 comprises one first coloured light LED 151,1 second coloured light LED 152 and one the 3rd coloured light LED 153.Wherein, when the electricity of battery 14 is less than total electricity of 1/4th, microcontroller 13 can start the first coloured light LED151, makes to send light, and the light that the first coloured light LED151 sends mainly reminding user charges to card transaction system 10.Moreover, when card read head 11 is when reading credit card 30, microcontroller 13 starts the second coloured light LED 152, makes the second coloured light LED152 send light, by the light of the second coloured light 152, user can learn that card read head 11 is reading the master data of card.In addition, when card read head 11 is in stand-by state, microcontroller 13 starts the 3rd coloured light LED 153, makes the 3rd coloured light LED 153 send light.Thus, by the light of the 3rd coloured light LED 153, user just can learn that card transaction system 10 is the states being in normal operation.In addition, portable electronic apparatus 20 domestic demand first downloads an issued transaction application software 22, card transaction system 10 could be coordinated to carry out reading the operation of card, and issued transaction application software 22 can carry out decoding to the transmission signal after converter 12 conversion, makes transmission signal be reduced into this master data.And, issued transaction application software 22 can input the data amount of money of bankcard consumption (such as) via user and produce a Transaction Information, and this master data and this Transaction Information to be sent to by a communication network and to be arranged in a long-range database (the Card Verification center of such as bank) by issued transaction application software 22.In the above-described embodiment, card read head 11 utilizes near-field communication (Near Field Communication, NFC) mode reads the master data on card 30 stored by chip, so card read head 11 does not directly contact with card 30.
Please refer to Fig. 5, Figure 5 shows that the card transaction system 10 ' of another embodiment reads the schematic diagram of card 30.Card transaction system 10 ' also comprises a hummer 19, when card read head 11 is when reading card 30, microcontroller 13 is except starting the second coloured light LED 152, also can start hummer 19 simultaneously, make the second coloured light LED152 send light, and allow hummer 19 produce the sound of " serge " simultaneously.
Please refer to Fig. 6 and Fig. 7, Figure 6 shows that the process flow diagram of the card method of commerce S100 of the present embodiment, Figure 7 shows that the schematic diagram of card 30 transaction program and each all meta functions of the present invention, composition graphs 6 and Fig. 7 can understand the practical operation program of the present invention.First the credit card trade method of the present embodiment comprises the following steps:, as as described in step S1, card transaction system 10 as Fig. 1 is provided, and by the card read head 11 of card transaction system 10 to read the master data stored by card 30, and by this master data stored in a data buffer 17 of card read head 11, and the first transmission interface 16 of card transaction system 10 links with the second transmission interface 21 signal of portable electronic apparatus 20.Then, as described in step S2, micro controller 13 can be encoded to this master data, to produce the second coded data.Then, as described in step S3, by the converter 12 of card transaction system 10, so that the second coded data is converted to transmission signal; Afterwards, as described in step S4, transmission signal is sent to portable electronic apparatus 20.Then, as described in step S5, an issued transaction application software 22 pairs of transmission signals by portable electronic apparatus 20 carry out decoding, with this transmission signal is reduced into this master data or.Come again, as described in step S6, produce a Transaction Information by issued transaction application software 22.Then, as described in step S7, this master data and Transaction Information be sent in a long-range database by a communication network.Just the payment transaction of card 30 can be completed via step S1 ~ S7.Afterwards, issued transaction application software 22 can be made an electronic receipt by the expense that this transaction information produces, and recycles on E-mail or mobile phone that this electronic receipt is sent to the user of card 30 by above-mentioned communication network.In above-mentioned, after completing the payment transaction of card 30, this master data stored by data buffer 17 can be removed by micro controller 13.
Please refer to Fig. 8 and Fig. 9, Figure 8 shows that the process flow diagram of the card method of commerce S200 of another embodiment, Figure 9 shows that the schematic diagram of the another kind of transaction program of card 30 and each all meta functions of the present invention.First the credit card trade method S200 of another embodiment comprises the following steps:, as as described in step S21, card transaction system 10 as Fig. 1 is provided, and by the card read head 11 of card transaction system 10 to read the master data stored by card 30, and by this master data stored in a data buffer 17 of card read head 11, and the first transmission interface 16 of card transaction system 10 links with the second transmission interface 21 signal of portable electronic apparatus 20.Then, as described in step S22, card read head 11 can be encoded to this master data, to produce first coding data.Come again, as described in step S23, by a microcontroller 13 of card transaction system 10, to encode to this first coding data, to produce the second coded data.Then, as described in step S24, by the converter 12 of card transaction system 10, so that the second coded data is converted to transmission signal; Afterwards, as described in step S25, transmission signal is sent to portable electronic apparatus 20.Then, as described in step S26, an issued transaction application software 22 pairs of transmission signals by portable electronic apparatus 20 carry out decoding, so that this transmission signal is reduced into this master data.Come again, as described in step S27, produce a Transaction Information by issued transaction application software 22.Then, as described in step S28, this master data and Transaction Information be sent in a long-range database by a communication network.Just the payment transaction of card 30 can be completed via step S21 ~ S28.Afterwards, issued transaction application software 22 can be made an electronic receipt by the expense that this transaction information produces, and recycles on E-mail or mobile phone that this electronic receipt is sent to the user of card 30 by above-mentioned communication network.In above-mentioned, after completing the payment transaction of card 30, this master data stored by data buffer 17 can be removed by micro controller 13.
In sum, whether card transaction system 10 of the present invention operates normally by microcontroller 13 timing detecting card read head 11 and converter 12, card read head 11 and converter 12 is allowed to occur when machine, card read head 11 and converter 12 can reset by microcontroller 13 immediately, so user is when using card transaction system 10 to conclude the business, the chance that card transaction system 10 breaks down is just lower.In addition, because card transaction system 10 is by the coding of the master data of card 30 through secondary, so transmission signal is not easy the master data being reduced into card 30 by other Malwares, therefore use card transaction system 10 to carry out payment transaction to have the full property of higher case and confidentiality.
Above-described embodiment is only illustrate for convenience of description, though suffer person of ordinary skill in the field modify arbitrarily, all can not depart from as in claims institute for protect scope.
Claims (18)
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW102131613 | 2013-09-03 | ||
| TW102131613 | 2013-09-03 | ||
| TW103125022 | 2014-07-22 | ||
| TW103125022A TWI543086B (en) | 2013-09-03 | 2014-07-22 | Card transaction device and method of card transaction |
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| Publication Number | Publication Date |
|---|---|
| CN104424495A true CN104424495A (en) | 2015-03-18 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410401805.7A Pending CN104424495A (en) | 2013-09-03 | 2014-08-15 | Card transaction device and card transaction method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106056762A (en) * | 2015-04-07 | 2016-10-26 | 速码波科技股份有限公司 | Card transaction device and card transaction method |
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| CN1554064A (en) * | 2001-09-10 | 2004-12-08 | ������������ʽ���� | Portable card reader and card settlement system |
| CN102326175A (en) * | 2009-02-10 | 2012-01-18 | 4361423加拿大有限公司 | Be used to use communication facilities to carry out the apparatus and method of business transaction |
| CN103123678A (en) * | 2011-11-18 | 2013-05-29 | 深圳市中磁计算机技术有限公司 | Magnetic card reader |
| CN203012736U (en) * | 2011-10-26 | 2013-06-19 | 广州网家信息技术有限公司 | Card reader device for connecting earphone-microphone interface |
-
2014
- 2014-08-15 CN CN201410401805.7A patent/CN104424495A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1554064A (en) * | 2001-09-10 | 2004-12-08 | ������������ʽ���� | Portable card reader and card settlement system |
| CN102326175A (en) * | 2009-02-10 | 2012-01-18 | 4361423加拿大有限公司 | Be used to use communication facilities to carry out the apparatus and method of business transaction |
| CN203012736U (en) * | 2011-10-26 | 2013-06-19 | 广州网家信息技术有限公司 | Card reader device for connecting earphone-microphone interface |
| CN103123678A (en) * | 2011-11-18 | 2013-05-29 | 深圳市中磁计算机技术有限公司 | Magnetic card reader |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106056762A (en) * | 2015-04-07 | 2016-10-26 | 速码波科技股份有限公司 | Card transaction device and card transaction method |
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