CN105373816B - Dual-mode card reader and card reading method thereof - Google Patents

Abstract

A dual-mode card reader and a card reading method thereof, the dual-mode card reader comprises a contactless reading and writing module, a contact reading and writing module, a connection module and a microcontroller. The contactless reading and writing module wirelessly senses a stored-value induction card, the contact reading and writing module is plugged with a verification chip card, and the connection module is connected to an external host. When the contact reading and writing module is plugged with a verification chip card, the microcontroller allows the contactless reading and writing module and the stored-value induction card to perform data transmission through wireless induction. The dual-mode card reader of the present invention requires the insertion of a verification chip card before it can perform reading and writing operations on the stored-value induction card, which can effectively improve transaction security and reliability.

Description

Dual-mode card reader and card reading method thereof

technical field

The invention relates to a card reader and a card reading method, in particular to a dual-mode card reader and a card reading method using the dual-mode card reader.

Background technique

Electronic money (E-money) is one of the most popular payment methods in recent years. By using electronic money (such as EasyCard, Octopus, UnionPay card, credit card or membership stored-value card issued by merchants), consumers can quickly complete consumption payments without carrying a large amount of cash, and save the trouble of making change.

Currently issued electronic money payment methods can be divided into contact payment and contactless payment according to the data transmission method between the electronic money and the card reader. Among them, contactless payment is the most widely used. Contact payment can use methods such as magnetic stripe reading or chip contact reading and writing for data transmission. The contactless payment uses Near Field Communication (NFC) technology or Radio Frequency Identification (RFID) technology for data transmission.

However, the existing card readers only have data transmission functions (such as reading and writing operations on cards), without security mechanisms or identity verification functions, and cannot provide information to the operators of the card readers (such as performing value-adding on stored-value cards). The identity of the store clerk who operates or deducts money) is verified or identified securely. Therefore, when a problematic transaction occurs, it is often difficult to clarify responsibility (for example, it is impossible to know which clerk of the store completed the problematic transaction, or whether it was completed by the clerk of the store).

In addition, a dual-mode card reader capable of supporting contact and contactless payment has been proposed. The dual-mode card reader can choose to read cards in contact (such as inserting a stored-value chip card into the dual-mode card reader) or non-contact (such as moving a stored-value proximity card into the dual-mode card reader). within the sensing range of the card reader). In this way, consumers can arbitrarily choose a stored-value chip card or a stored-value proximity card for payment. However, the existing dual-mode card reader can only read one type of card at a time, and is not equipped with a security mechanism or identity verification function, so it cannot safely verify or identify the identity of the operator of the card reader.

Therefore, the existing card reader cannot safely verify or identify the identity of the operator, and a more effective solution is urgently needed.

Contents of the invention

The main purpose of the present invention is to provide a dual-mode card reader and a card reading method, which can provide a card reading/writing function with a security mechanism.

Another main purpose of the present invention is to provide a dual-mode card reader, which can record the identity of the operator of the dual-mode card reader while performing wireless data transmission with the stored-value induction card.

In order to achieve the above-mentioned purpose, the present invention is mainly a dual-mode card reader, which includes: a non-contact read-write module for wireless sensing a stored-value proximity card for data transmission; for inserting a verification chip card A contact read-write module for data transmission; a connection module for connecting an external host for data transmission; and an electrical connection between the non-contact read-write module, the contact read-write module and the connection module a microcontroller.

Further, the microcontroller allows the non-contact read-write module to transmit data to the stored-value proximity card through wireless sensing to obtain the stored-value sensing A stored value data of the card.

Further, the microcontroller includes a hub module, one end of the hub module is electrically connected to the non-contact read-write module and the contact read-write module, and the other end is electrically connected to the connection module, so that the host and the stored value The proximity card and the verification chip card perform data transmission.

Further, the microcontroller includes a verification module, through which the microcontroller verifies an identification data of the verification chip card, and allows the non-contact read-write module to sense the stored value when the verification is correct. card for data transfer.

Further, the microcontroller includes a processing module electrically connected to the hub module, the dual-mode card reader obtains consumption data from the host, and the processing module controls the non-contact read-write module to update according to the consumption data The stored value data of the stored value proximity card, and control the contact read-write module to transmit the consumption data to the verification chip card.

Further, the non-contact read-write module includes an antenna module for sending and receiving a transmission signal and a reception signal; and a wireless transceiver electrically connected to the antenna module.

Further, the wireless transceiver is used for modulating a transmission data into the transmission signal and sending it to the antenna module, and demodulating the received signal received by the antenna module into a received data.

Further, the transmission data and the reception data are the stored value data.

Further, the contact read-write module includes a chip read-write interface for actually contacting the verification chip card and performing data transmission.

Further, the connection module is a Universal Serial Bus (USB) connector, and is detachably connected to the host; the non-contact read-write module is a Radio Frequency Identification (RFID) module or a Near Field Communication (NFC) module.

Further, the dual-mode card reader further includes a card reader housing covering the contactless read-write module, the contact read-write module and the microcontroller.

The present invention further discloses a card reading method, which is used in the aforementioned dual-mode card reader. The card reading method includes the following steps: a) judging whether the verification chip card has been plugged in; b) if the verification chip card has been plugged in, chip card, then read an identification data of the verification chip card and execute step c; c) read the stored value data of the stored value proximity card; d) receive a consumption data after step c; and e) according to The consumption data controls the non-contact read-write module to update the stored-value data of the stored-value proximity card.

Further, the step b includes the following steps: b1) when the verification chip card is inserted, read the identification data of the verification chip card; b2) verify whether the identification data is correct; b3) verify that the identification data is correct Execute step c.

Compared with the prior art, the present invention achieves the effect of avoiding the operation of the dual-mode card reader by personnel without operation authority, and greatly improving transaction security and reliability. At the same time, when the stored-value proximity card is used for transactions, the identity of the operator of the dual-mode card reader can be recorded, so as to clarify the responsibility when a problematic transaction occurs.

The present invention will be described in detail below in conjunction with the accompanying drawings and specific embodiments, but not as a limitation of the present invention.

Description of drawings

Fig. 1 is the structure diagram of the dual-mode card reader of the first specific embodiment of the present invention;

Fig. 2 is a schematic diagram of the appearance of a dual-mode card reader according to the first embodiment of the present invention;

3 is a flow chart of the card reading method according to the first embodiment of the present invention;

Fig. 4 is a host architecture diagram of the first specific embodiment of the present invention;

Fig. 5 is a schematic diagram of the use of the dual-mode card reader and the host computer according to the first embodiment of the present invention;

Fig. 6 is a flow chart of storing value in the second specific embodiment of the present invention.

Among them, reference signs

1…Dual Mode Card Reader

10…Contactless read-write module

100…antenna module

102…Wireless Transceiver

12…Contact read-write module

120...chip read and write interface

14...connection module

16…Microcontroller

160…Hub Module

162...Authentication module

164…processing module

180…Card reader housing

20…stored value proximity card

22…Authenticate chip card

220a...Employee photo

220b...Employee Name

30…host

300…Man-machine interface

302…Printer

304…processor

306…transmission module

32...Identification data

34…stored value data

36...Consuming Data 40...Internet

50…remote server

S300-S310…steps

S600-S610… steps

Detailed ways

For a more detailed understanding of the features and technical content of the present invention, please refer to the following description and drawings, but the attached drawings are only for reference and description, not for limitation.

First please refer to FIG. 1 , which is a structure diagram of a dual-mode card reader according to a first embodiment of the present invention. As shown in FIG. 1 , the dual-mode card reader 1 of the present invention mainly includes a non-contact read-write module 10 , a contact-type read-write module 12 , a connection module 14 and a microcontroller 16 . The microcontroller 16 is electrically connected to the non-contact read-write module 10 , the contact read-write module 12 and the connection module 14 .

The non-contact read-write module 10 is used for wirelessly sensing a stored-value proximity card 20 for data transmission. Preferably, the stored-value proximity card 20 is a membership stored-value card issued by an individual or a merchant, and stores a stored-value data (stored-value data 34 as shown in FIG. 5 ), and is issued to a consumer holding . The consumer only needs to move the stored-value proximity card 20 within a sensing range of the contactless read-write module 10 to perform contactless payment.

In this embodiment, the stored-value proximity card 20 refers to a card with a built-in chip with a wireless induction transmission function, or a smart mobile device with a built-in chip, but it is not limited thereto. The chip with wireless inductive transmission function referred to in this embodiment can mainly be, for example, a radio frequency identification (RFID) chip or a near field communication (NFC) chip. For the convenience of description, when describing the stored-value proximity card 20 in the description below, only a card with an RFID chip will be used as an example for illustration, but this is not intended to limit the scope of claims of the present invention.

The contactless read-write module 10 includes an antenna module 100 and a wireless transceiver 102 . The antenna module 100 is used for transmitting radio frequency signals or near field communication signals. The wireless transceiver 102 is electrically connected to the antenna module 100 for modulating data to be transmitted and demodulating data received by the antenna module 100 .

More specifically, the wireless transceiver 102 modulates a transmission data generated by the microcontroller 16 into a transmission signal and transmits it to the antenna module 100 for external transmission. And, a received signal received by the antenna module 100 is demodulated into received data and then sent to the microcontroller 16 for processing.

Preferably, the transmission signal is a transmission radio frequency signal of radio frequency type or a transmission near field communication signal of near field communication type, and the receiving signal is a reception radio frequency signal of radio frequency type or a reception near field communication type of near field communication Signal. The transmitted data and the received data are the stored value data 34 . The contactless read-write module 10 is a radio frequency identification (RFID) module or a near field communication (NFC) module, and uses a specific radio frequency band (such as 13.56MHz) as its transmission frequency band.

The contact read-write module 12 is plugged with a verification chip card 22 for data transmission. Preferably, the verification chip card 22 is held by the person in charge of the merchant or an employee of the merchant, and stores an identification data (such as the identification data 32 shown in FIG. 5 ), the identification data 32 can be but not limited to an employee number, an employee's name, or a random verification code corresponding to a specific employee.

Furthermore, the contact read-write module 12 includes a chip read-write interface 120 . The chip read-write interface 120 is electrically connected to the verification chip card 22 for data transmission. In more detail, the chip read-write interface 120 is inserted into the card socket of the contact-type read-write module 12 after the verification chip card 22 is inserted. An Integrated Circuit (IC) chip (not shown) actually contacts the authentication chip card 22 . In this embodiment, the contact read-write module 12 can be, for example, a chip read-write module conforming to the International Organization for Standardization (International Organization for Standardization, ISO) 7816 standard, and the verification chip card 22 can be, for example, a contact reading module conforming to the ISO7816 and ISO7810 standards. Type smart card (smart card), but the contact read-write module 12 and the verification chip card 22 can also be based on other standards, not limited to the above.

The connection module 14 is used for connecting with an external host 30 for data transmission. Preferably, the connection module 14 is a Universal Serial Bus (Universal Serial Bus, USB) connector, an external serial advanced technology attachment (externalSerial Advanced Technology Attachment, eSATA) connector or Apple's (APPLE Co.) lightning (Lightning ) connector, and the dual-mode card reader 1 is detachably connected to the external host 30 through the connection module 14 .

The micro-controller 16 is used to control the operation of the dual-mode card reader 1 (such as power transmission control or data transmission control), and when the contact read-write module 12 has been plugged into the verification chip card 22, the non- The contact read-write module 10 performs data transmission with the stored-value proximity card 20 .

For example, when an employee intends to use the dual-mode card reader 1 (for example, to store value or deduct money from the stored-value proximity card 20 of the consumer), he must first use the verification chip card owned by the employee. 22 is inserted into the contact read-write module 12, so that the dual-mode card reader 1 can allow the non-contact read-write module 10 to carry out data transmission with the stored-value proximity card 20 of the consumer.

In another embodiment of the present invention, the microcontroller 16 may further include a hub module 160, one end of which is electrically connected to the non-contact read-write module 10 and the contact-type read-write module 12, and the other end is electrically connected to The connection module 14 .

The host computer 30 can be connected to the micro-controller 16 through the connection module 14, and through the hub module 160 of the micro-controller 16 and the stored-value induction card 20 of the non-contact read-write module 10 wirelessly connected and plugged into the The authentication chip card 22 of the contact read-write module 12 performs data transmission. For example, the host 30 can obtain the identification data 32 of the verification chip card 22 through the non-contact read-write module 10 , and obtain the stored-value data 34 of the stored-value proximity card 20 through the contact-type read-write module 12 . After the consumer completes the consumption, the host 30 can generate and transmit a consumption data (consumption data 36 as shown in FIG. 5 ), such as consumption details, value-added amount, consumption amount or any combination of the above to the dual-mode card reader machine 1, thereby writing the stored-value induction card 20 or/and the verification chip card 22.

In another embodiment of the present invention, the microcontroller 16 may further include a verification module 162 electrically connected to the hub module 160 for obtaining and verifying the identification data 32 stored in the verification chip card 22 . The microcontroller 16 mainly allows the non-contact read-write module 10 to perform data transmission with the stored-value proximity card 20 when the verification module 162 verifies that the identification data 32 is correct.

For example, if the identification data 32 is an employee number, the verification module 162 can judge whether the employee number recorded in the verification chip card 22 inserted at present has operation authority according to a permission data, if the verification chip card 22 records If the employee number has operation authority, enable the non-contact read-write module 10 to allow data transmission with the stored-value proximity card 20; otherwise, disable the non-contact read-write module 10. In this embodiment, the dual-mode card reader 1 can have the authority data built in, or be connected to the host 30 to obtain the authority data, or be connected to a remote server 50 via the Internet 40 to obtain the authority data, without limitation. .

In another embodiment of the present invention, the microcontroller 16 may further include a processing module 164 electrically connected to the hub module 160 . The processing module 164 receives the consumption data 36 generated by the host and the identification data 32 recorded by the verification chip card 22 , and corresponds the identification data 32 to the consumption data 36 . Moreover, the processing module 164 is also responsible for controlling the non-contact read-write module 10 so as to update the stored-value data 34 of the stored-value proximity card 20 according to the consumption data 36 . At the same time, in order to effectively record the consumption data 36, the processing module 164 is also responsible for controlling the non-contact read-write module 10 or/and the contact-type read-write module 12, so as to transmit the consumption data 36 to the stored-value proximity card 20 Or/and stored in the authentication chip card 22.

In the present invention, the identification data 32 of the employee in charge of a transaction is associated with the consumption data 36 generated by the transaction, and stored in the stored-value contactless card 20 or/and the host 30, so that the identification data 32 can be found afterwards When the consumption data 36 is a problematic transaction, the employee in charge of the transaction can be known according to the corresponding identification data 32, and the responsibility can be clarified. Moreover, the present invention stores the consumption data 36 of the transaction that the employee is responsible for into the verification chip card 22 of the employee, so that the employee can count and know the number or amount of transactions completed by the employee.

It is worth mentioning that the hub module 160, the verification module 162 and the processing module 164 can be realized by hardware modules (such as electronic circuits or integrated circuits with burned digital circuits), and can also be realized by software modules (such as Application Programming Interface (Application Programming Interface, API) or firmware (firmware), without limitation.

The dual-mode card reader 1 further includes a card reader housing 180 covering the non-contact read-write module 10 , the contact-type read-write module 12 and the microcontroller 16 for protection. Please refer to FIG. 2 , which is a schematic diagram of the appearance of the dual-mode card reader according to the first embodiment of the present invention. As shown in FIG. 2 , the connection module 14 is a Universal Serial Bus (USB) connector. The card reader housing 180 covers most components of the dual-mode card reader 1 , and only the connection module 14 and its transmission line are exposed outside the card reader housing 180 .

The stored-value proximity card 20 uses radio frequency identification (RFID) technology to transmit data with the dual-mode card reader 1 . The verification chip card 22 is an employee identification card, and information sufficient to identify the employee (such as an employee photo 220a or an employee name 220b) is printed on the employee identification card.

Under the condition that the connection module 14 has been connected to the host computer 30 (as shown in Figure 1), if the employee wants to use the dual-mode card reader 1 and the stored-value proximity card 20 for data transmission, the employee's The verification chip card 22 is inserted into the chip read-write interface 120, and after the verification chip card 22 is verified by the dual-mode card reader 1, the data transmission between the dual-mode card reader 1 and the stored-value proximity card 20 can be performed. .

In this embodiment, the dual-mode card reader 1 further includes a printed circuit board (not shown in the figure), which is arranged in the middle of the card reader housing 180 . The non-contact read-write module 10 is mainly electrically connected to one side of the printed circuit board and close to the top surface of the card reader housing 180 . When the customer wants to use the stored-value contactless card 20 for transaction, the stored-value contactless card 20 is placed on the top surface of the dual-mode card reader 1 . The contact read-write module 12 is mainly electrically connected to the other side of the printed circuit board opposite to the non-contact read-write module 10 , and is close to the bottom surface of the card reader housing 180 . The card reader housing 180 defines an opening near the bottom surface, and the opening corresponds to the card slot of the non-contact read-write module 10 . When the employee intends to use the verification chip card 22 , he mainly inserts the verification chip card 22 into the opening on the bottom of the dual-mode card reader 1 , and then inserts the card slot of the non-contact read-write module 10 . Meanwhile, the connection module 14 is mainly electrically connected to the same surface of the printed circuit board as the non-contact read-write module 10 , but it is not limited thereto.

Continue referring to FIG. 3 , which is a flow chart of the card reading method according to the first embodiment of the present invention. The card reading method of this embodiment is mainly implemented by the dual-mode card reader 1 shown in FIG. 1 .

Step S300: The dual-mode card reader 1 determines whether the verification chip card 22 has been inserted. If the dual-mode card reader 1 judges that the contact-type read-write module 12 has been plugged with the verification chip card 22, step S302 is performed; if the dual-mode card reader 1 is not plugged with the verification chip card 22, it cannot pass The non-contact read-write module 10 senses the stored-value induction card 20 .

Step S302 : the dual-mode card reader 1 reads the identification data 32 of the verification chip card 22 . Preferably, when the verification chip card 22 is inserted into the contact-type reader-writer module 12 , the dual-mode card reader 1 can read the identification data 32 of the verification chip card 22 . And further, the dual-mode card reader 1 can transmit the identification data 32 to the host 30 via the connection module 14 .

Step S304: The dual-mode card reader 1 verifies whether the identification data 32 is correct. If the verification of the identification data 32 is correct, execute step S306, otherwise end the card reading operation. In more detail, the dual-mode card reader 1 can verify whether the identification data 32 is correct according to the authority data, that is, judge whether the currently inserted verification chip card 22 has operation authority through the authority data. If the verification chip card 22 has operating authority, then enable the non-contact read-write module 10 to allow data transmission with the stored-value proximity card 20; otherwise, disable the non-contact read-write module 10 and end the reading process. card operation.

Step S306: The dual-mode card reader 1 reads the stored-value data 34 of the stored-value proximity card 20 . Preferably, if the stored-value proximity card 20 is within the sensing range of the non-contact read-write module 10, the dual-mode card reader 1 can read the stored-value proximity card through the non-contact read-write module 10 20 of the stored value data 34 . Furthermore, the dual-mode card reader 1 transmits the stored value data 34 to the host 30 via the connection module 14 .

Step S308: the dual-mode card reader 1 receives the consumption data 36 from the host 30 . Preferably, the host 30 can generate the consumption data 36 according to the consumer's current transaction behavior and the stored-value data 34 of the stored-value proximity card 20 , and send it back to the dual-mode card reader 1 . In this embodiment, the consumption data 36 may mainly include value-added amount or consumption amount, but it is not limited thereto.

Step S310 : the dual-mode card reader 1 updates the stored-value data 34 of the stored-value proximity card 20 . Preferably, the dual-mode card reader 1 updates the card balance of the stored value data 34 according to the consumption data 36 .

It is worth mentioning that, in another embodiment of the present invention, the dual-mode card reader 1 can also omit the step S304, and only judge whether the dual-mode card reader 1 has been plugged with the verification chip card 20, It is not verified whether the identification data 32 is correct.

Continue please refer to FIG. 4 , which is a host architecture diagram of the first embodiment of the present invention, which is used to illustrate how the dual-mode card reader 1 of the present invention interacts with the host 30 to generate the above-mentioned transaction behavior for the consumer. Consumption data 36, and the identity of the employee responsible for the transaction is recorded.

As shown in Figure 4, the host 30 in this embodiment mainly includes a man-machine interface 300, a printer 302, a processor 304 and a transmission module 306, wherein the processor 304 is electrically connected to the man-machine interface 300, the printer 302. The transmission module 306 is configured to integrate and transmit data and instructions. The host 30 is also electrically connected to the connection module 14 of the dual-mode card reader 1, so that the dual-mode card reader 1 receives the stored value data 34 and the identification data 32, and transmits the consumption data 36 to the dual-mode card reader. Die card reader 1.

The host 30 is mainly a transaction device provided in a specific store to provide the consumer with self-service transactions. The dual-mode card reader 1 of the present invention is mainly used in conjunction with the host 30, so that the consumer can store value and deduct money from the stored-value induction card 20 during the transaction process, and assist the host 30 to record the current This identification data 32 of the employee responsible for the above-mentioned transaction. When describing the host 30 below, a self-service ordering device installed in a restaurant will be used as an example, but it is not limited thereto.

The man-machine interface 300 is mainly a touch-sensitive display screen, which is used to display a menu data of the store and accept the customer's ordering operation.

The processor 304 obtains the identification data 32 of the verification chip card 22 and the stored-value data 34 of the stored-value proximity card 20 from the dual-mode card reader 1, and performs the identification data 32 and the stored-value data 34 Records, wherein the identification data 32 mainly corresponds to the data of the employees currently on duty.

When the consumer 20 orders food by himself, the processor 304 generates a little meal data according to the consumer's ordering operation. The remaining amount, cooperate with the order data to generate the consumption data 36, and store the consumption data 36 corresponding to the identification data 32. Then the processor 30 transmits the consumption data 36 to the dual-mode card reader 1 , so that the dual-mode card reader 1 updates the stored-value data 34 of the stored-value proximity card 20 according to the consumption data 36 .

In another embodiment of the present invention, the processor 304 can further record the identification data 32 on the stored-value proximity card 20 via the dual-mode card reader 1 . Thereby, the stored-value proximity card 20 can simultaneously record all the consumption data 36 and the identification data 32 of the employee in charge of the transaction, so as to clarify the responsibility.

In another embodiment of the present invention, the processor 304 can further record the consumption data 36 to the verification chip card 22 via the dual-mode card reader 1 . In this way, the verification chip card 22 can simultaneously record the consumption data 36 of all transactions that the employee is responsible for, so that the employee can count and know the number or amount of transactions completed by the employee.

After the consumer finishes ordering food and the stored-value data 34 of the stored-value proximity card 20 is updated, the host computer 30 prints a receipt through the printer 302 . On the other hand, the printer 302 can also print the meal ordered by the consumer as an order list according to the meal order data, so as to facilitate comparison when the consumer picks up the meal.

The processor 304 can further transmit the stored value data 34 , the consumption data 36 and the identification data 32 to the outside through the transmission module 306 . More specifically, the host 30 is connected to the Internet 40 through the transmission module 306, and the processor 304 can transmit the stored value data 34, the consumption data 36 and the identification data 32 to the remote server 50 through the transmission module 306 . The remote server 50 can record the stored value data 34, the consumption data 36 and the identification data 32 into a member database (not shown), whereby the member database stores all transaction behaviors of these stores, and The stored value data 34 recorded in the membership database can correspond to the actual card balance of the stored value induction card 20 .

Please refer to FIG. 5 , which is a schematic diagram of the use of the dual-mode card reader and the host computer according to the first embodiment of the present invention.

As shown in FIG. 5 , in this embodiment, the dual-mode card reader 1 is connected to the host 30 through the connection module 14 . After the employee inserts the verification chip card 22 into the dual-mode card reader 1, the man-machine interface 300 of the host 30 (in this embodiment, the man-machine interface 300 is a touch screen as an example) can display The identification data 32 of the employee ("employee: XXX" in this embodiment).

After the consumer moves the stored-value proximity card 20 into the sensing range of the non-contact read-write module 10 of the dual-mode card reader 1, the man-machine interface 300 of the host 30 can display the stored-value sensing The stored value data 34 of the card 20 (in this embodiment, "member name: OOO" and "card balance: $300").

After the consumer has made a payment transaction, the processor 304 of the host 30 can further generate the payment based on the card balance of the stored value data 34 of the stored value contactless card 20, the current meal amount and the calculated remaining amount. Consumption data 36 (in this embodiment, "meal amount: $100" and "card balance: $200"), and transmit the consumption data 36 to the man-machine interface 300 for display. After the consumer determines to order food, the host 30 updates the stored value data 34 of the stored value induction card 20 through the dual-mode card reader 1. In this embodiment, the stored value will be stored according to the consumption data 36. The stored value data 34 of the proximity card 20 is updated to "$200".

Please refer to FIG. 1 and FIG. 6 at the same time. FIG. 6 is a flow chart of storing value according to the second embodiment of the present invention. In this embodiment, the host 30 is an example of a stored value device. In the following, a simulated scenario where the dual-mode card reader 1 of the present invention is applied to stored-value transactions will be described with reference to FIG. 6 .

Before the consumer intends to use the stored-value proximity card 20 for self-service ordering, he needs to handle the stored-value proximity card 20 (or directly discriminate the smart mobile device with a built-in NFC chip), and go to the host computer 30 to The stored-value induction card 20 stores value (step S600).

The dual-mode card reader 1 connected to the host 30 can simultaneously read the stored-value proximity card 20 and the verification chip card 22 of the employee currently on duty. When the employee receives cash from the consumer, the corresponding operation of the host computer 30 is to generate the corresponding consumption data 36 (in this embodiment, the consumption data 36 is the value-added amount and the value-added contactless card 20) remaining amount) (step S602), and simultaneously record the identification data 32 of the verification chip card 22 (step S604).

Then, the host computer 30 uploads the consumption data 36 and the identification data 32 to the remote server 50 in real time (step S606), so that the remote server 50 can store in the remote server 50 according to the consumption data 36 and the identification data 32 The data is updated (step S608). After the remote server 50 is updated, the host 30 sends the consumption data 36 to the dual-mode card reader 1 to update the stored value data 34 of the stored value proximity card 20 (step S610 ). Through the above steps, the stored-value operation of the stored-value proximity card 20 can be completed, and at the same time, it is recorded who the clerk was when the stored-value transaction was generated.

It is worth mentioning that, if the transaction is a deduction transaction, the uploading of the consumption data 36 by the host 30 may be a batch operation. If the transaction is a stored-value transaction, the actions of uploading the consumption data 36 and the identification data 32 of the clerk and updating the card balance of the stored-value data 34 of the stored-value contactless card 20 must be instant operations. In other words, if the host 30 cannot access the Internet, it cannot store value for the stored-value proximity card 20 . In this way, there will be no risk that the stored value data will be tampered with by malicious people, causing the consumer or store to suffer damage.

In another embodiment of the present invention, the host 30 and the remote server 50 can use an encryption mechanism (such as ISO8583) to transmit the consumption data 36 and the identification data 32 . in more detail. Before the host 30 uploads the consumption data 36 and the identification data 32 to the remote server 50 , the consumption data 36 and the identification data 32 can be encrypted using an encrypted public key obtained from the remote server 50 . And, after the remote server 50 receives the encrypted consumption data 36 and the identification data 32, it can use an encrypted private key corresponding to the encrypted public key to encrypt the encrypted consumption data 36 and the identification data. 32 performs decryption processing to obtain the unencrypted consumption data 36 and the identification data 32 .

The dual-mode card reader of the present invention can prevent personnel without transaction authority from using the dual-mode card reader to transmit data to the stored-value induction card, thereby providing higher transaction security. In addition, the identification data of the personnel responsible for these transactions are recorded at the same time as the transaction, so as to facilitate the clarification of the attribution of responsibility afterwards.

Certainly, the present invention also can have other multiple embodiments, without departing from the spirit and essence of the present invention, those skilled in the art can make various corresponding changes and deformations according to the present invention, but these corresponding Changes and deformations should belong to the scope of protection of the appended claims of the present invention.

Claims (8)

1. A dual-mode card reader, characterized in that the dual-mode card reader comprises: A non-contact read-write module for wireless sensing a stored-value proximity card for data transmission; A contact-type read-write module for inserting a verification chip card held by a person in charge of a business or an employee of a business for data transmission. The verification chip card stores the information of the person in charge of the business or the business. An identifying data of the employee; A connection module, used for connecting to an external host for data transmission; and A microcontroller, electrically connected to the non-contact read-write module, the contact read-write module and the connection module, the microcontroller allows the non-contact read-write module to be plugged into the verification chip card The contact read-write module performs data transmission with the stored-value proximity card through wireless induction, so as to obtain a stored-value data of the stored-value proximity card. The microcontroller includes: A hub module, one end of the hub module is electrically connected to the non-contact read-write module and the contact-type read-write module, and the other end is electrically connected to the connection module, so that the host, the stored-value proximity card and the verification chip card data transfer; and A processing module, electrically connected to the hub module, the processing module obtains a consumption data from the host, the processing module corresponds the identification data to the consumption data, and stores them in the stored-value proximity card or the host, and according to the The consumption data controls the non-contact read-write module to update the stored-value data of the stored-value proximity card, and controls the contact-type read-write module to transmit the consumption data to the verification chip card. 2. The dual-mode card reader as claimed in claim 1, wherein the microcontroller includes a verification module, and the microcontroller verifies the identification data of the verification chip card through the verification module, and at When the verification is correct, the non-contact read-write module is allowed to transmit data to the stored-value proximity card. 3. The dual-mode card reader as claimed in claim 1, wherein the contactless read-write module comprises: An antenna module for sending and receiving a transmission signal and a reception signal; and A wireless transceiver, electrically connected to the antenna module, for modulating a transmission data into the transmission signal and sending it to the antenna module, and demodulating the received signal received by the antenna module into a received data, wherein The transmission data and the reception data are the stored value data. 4. The dual-mode card reader according to claim 1, wherein the contact read-write module includes a chip read-write interface for actually contacting the verification chip card and performing data transmission. 5. The dual-mode card reader as claimed in claim 1, wherein the connection module is a Universal Serial Bus connector, and is detachably connected to the host; the non-contact read-write module is a radio frequency identification module or near field communication module. 6. The dual-mode card reader as claimed in claim 1, wherein the dual-mode card reader further comprises a card reader housing covering the non-contact read-write module, the contact-type read-write module and the microcontroller. 7. A card reading method, which is used in the dual-mode card reader according to claim 1, wherein the card reading method comprises the following steps: a) judging whether the verification chip card has been inserted; b) If the verification chip card has been inserted, read the identification data of the verification chip card and execute step c; c) read the stored-value data of the stored-value proximity card; d) after step c, receiving a consumption data; e) Corresponding the identification data to the consumption data, and storing it in the stored-value proximity card or the host; f) transmit the consumption data to the verification chip card; and g) controlling the non-contact read-write module according to the consumption data, so as to update the stored-value data of the stored-value proximity card. 8. the card reading method as claimed in claim 7, is characterized in that, this step b comprises the following steps: b1) When the verification chip card is inserted, read the identification data of the verification chip card; b2) Verify that the identification data is correct; b3) Execute step c when the identification data is verified to be correct.