WO2014187272A1 - Portable payment device - Google Patents

Abstract

Provided is a portable payment device integrated with a financial IC card module, an online transaction module, and a USB communication module having a USB interface and/or an audio communication module having an audio interface card; the financial IC card module, the USB communication module, and the audio communication module are each communicatively coupled to the online transaction module.

Description

 Portable payment device

 The present invention relates to the field of financial payment technology, and more particularly to a portable payment device. Background technique

 Nowadays, IC cards with financial transaction functions, that is, financial IC cards, are increasingly appearing in people's lives. Such financial IC cards are issued by commercial banks or payment institutions, using integrated circuit technology, with all or part of financial functions such as consumer credit, transfer settlement, cash access, etc., and may have other commercial services and social management functions, which have become An important payment tool in people's lives.

 Usually, the IC card must be operated by a professional card reader or a device such as an ATM or a POS machine, which has certain limitations for the application of the IC card. In order to promote the expansion of financial IC card business and large-scale market application, banking institutions are actively developing various channels of acceptance, and constantly introducing more easy-to-use terminals, faster communication, and a more flexible transaction acceptance environment. At present, in order to meet the payment needs of users in the Internet and mobile network environment, a card reader such as an audio interface or an Internet payment terminal with a USB interface has gradually appeared on the market. The emergence of such products has reduced the cardholder's reliance on professional equipment and service outlets, which is convenient for users.

 However, current payment instruments such as financial IC cards are still in a state in which the card players are separated, and a separate intermediate device such as a card reader is required to operate the cards, so that the user's use cost is increased and the operation convenience is poor. Summary of the invention

 In order to solve the above problems, the present invention provides a portable payment device that integrates a financial IC card module and an online transaction module, and is also integrated with a belt.

a USB communication module of a USB interface and/or an audio communication module with an audio interface plug-in; wherein the financial IC card module, the USB communication module, and the audio communication module are respectively The online transaction module is coupled.

 According to some embodiments of the present invention, the payment device further integrates an antenna module, and the financial IC card module is coupled to the antenna module.

 According to some embodiments of the invention, the financial IC card module is coupled to the online transaction module via an IS07816 interface.

Ja J -4- on one, vV ^λ- .ic:^? + ^ ^- 丄曰-,^ 叮X^ ^H /g wy——s ^ ^'i^j, n\ ^ and f jL ei The security module for establishing a secure channel in the stone man process, wherein the security module Coupling with the online transaction module.

 According to some embodiments of the present invention, the payment device is further integrated with a Bluetooth communication module, and the Bluetooth communication module is coupled to the online transaction module.

 According to some embodiments of the invention, the audio interface card is a standard 3.5mm 4-core earphone plug.

 According to some embodiments of the invention, the audio interface plug-in is constructed as a foldable audio interface plug-in.

 According to some embodiments of the invention, the payment device further includes a transaction anti-hijacking button.

 According to some embodiments of the invention, the payment device is further integrated with an indicator light for prompting the transaction to proceed normally.

 According to some embodiments of the invention, the payment device further includes a power module that provides power when the audio communication module is used.

According to some embodiments of the invention, the payment device is constructed as a box-like structure. Embodiments of the present invention provide a portable payment product having USB and/or audio communication functions, which solves the problem of card machine separation of payment tools such as financial IC cards, so that the mobile payment device held by the user has direct The ability to access the network from a PC or mobile communication terminal for online transactions without the need for an external card reader for user convenience. DRAWINGS The foregoing and other objects, features, and advantages of the invention will be apparent from

 Fig. 1 schematically shows a block diagram of a portable payment device according to an embodiment of the present invention.

 Figures 2a-2c schematically illustrate an application scenario of a portable payment device in accordance with one embodiment of the present invention, in accordance with an embodiment of the present invention. detailed description

 The invention will be further described in detail below with reference to the drawings and specific embodiments. It is to be understood that in the claims

 Fig. 1 schematically shows a block diagram of a portable payment device in accordance with one embodiment of the present invention. The portable payment device 100 can basically integrate a financial IC card module and an online transaction module, and can further integrate a USB communication module with a USB interface or an audio communication module with an audio interface plug-in or a USB communication module with a USB interface and a band simultaneously Both of the audio communication modules of the audio interface plug-in.

 The financial IC card module can be implemented, for example, as a financial IC chip. According to an embodiment of the present invention, the financial IC card module can be constructed to comply with the PBOC specification of the People's Bank of China. In the aspect, the module can be coupled to the online transaction module through the IS07816 interface to perform the transaction in the contact mode; on the other hand, in the case that the payment device 100 is integrated with the antenna module, the module can also be coupled to the antenna module, Works in contactless mode for near field trading. There is no need to modify existing contactless card readers.

The online transaction module is used for information interaction and data processing between the financial IC card module, the USB communication module, and the audio communication module, which can substantially implement functions of, for example, a card reader device. The USB communication module has a USB interface, which is implemented based on the USB standard and conforms to the USB CCID (Chip/Smart Card Interface Devices) protocol, so that the payment device 100 can be directly connected to a processing device capable of passing the same USB communication module. For example, personal computers, mobile communication terminal devices, and the like. Applications on these processing devices can interact with the payment device via the PC/SC programming interface and in accordance with the CCID protocol. The payment device 100 thus has the ability to be directly accessed by a PC or mobile communication device for online transactions.

 The audio communication module has an audio interface plug-in and may include a corresponding hardware codec unit for modulating the analog audio signal. The audio interface card can be, for example, a standard 3.5mm 4-pin earphone plug that matches the audio interface of a device such as a personal computer, mobile communication terminal, etc., such that the audio analog signal can be transmitted between the payment device 100 and the processing device. Further, bidirectional modulation and demodulation of the digital signal can be performed on the audio analog signal, such as encapsulation of the payment operation instruction by an API for audio communication. The payment device 100 thus has the ability to be directly accessed by a PC or mobile communication device for online transactions. In order to make the size of the payment device portable, in accordance with some embodiments of the present invention, the audio interface card can be constructed to be foldable.

 Preferably, the audio communication module can also be configured to automatically identify and adapt to the two existing 3.5 mm headphone line definition standards, one of which follows the L (left channel) and R (right) from the end of the plug. Line), MIC (microphone), GND (ground), another line order is arranged by L (left channel), R (right channel), GND (ground), MIC (microphone).

 In the case that the payment device 100 includes the antenna module, the USB communication module, and the audio communication module at the same time, the payment device 100 can perform transactions in three modes of contactless card, USB access, and audio access, and it can be Constructed to work in only one mode, the priority of the working mode depends on which mode is used first to process Hr it ί-*- -ti 4 db -ti <ί on «■ Jr - -b /J -^ ^ 1 f\n - ^f ^ i -H/^r

-^- J3⁄4^ o " , and Ί ^»IL 丄, and ^ ^i, l work equipment, and only through non-contact interface such as conventional contactless financial IC card transactions. In USB access mode The payment device 100 can access the USB interface of the processing device, and only online transactions can be performed at this time. Under the audio access mode, the payment device 100 access to the audio interface of the processing device, the same online transaction can only be carried out. Optionally, the payment device 100 may also be integrated with other communication modules, such as a Bluetooth communication module, a WiFi communication module, an Ethernet communication module, etc., such a communication module is coupled with the online transaction module, so that the payment device 100 can be more flexibly connected. Incoming device communication for online transactions.

 °j ^ , 刀 j 1 止 ^ ^ ΐ ^ 3⁄4·^ "玍, 夂 ^! υυ υυ 呆 呆 ^ ^ security module, which is used to establish a secure channel during the transaction. The security module can be coupled with the online trading module In order to interact with the information. In the case where the payment device 100 is integrated, for example, with a WiFi communication module, the security module can be used to solve the problem of secure authentication and secure data transmission in remote transactions.

 Optionally, in order to improve the completeness of the transaction, the payment device 100 may also be integrated with a transaction anti-hijacking button for performing anti-hijacking processing during the transaction. According to some embodiments of the present invention, in the case that the user conducts an online transaction through the transaction device 100, the user generally first inputs an online PIN code on the access device, and the access device further encrypts the online PIN code to generate a PIN ciphertext and The PIN ciphertext is sent back to the payment device. At this time, the access device may prompt the user to touch the transaction anti-hijacking button on the payment device through the corresponding display interface to ensure that the cardholder confirms the transaction in an informed manner. If the user does not touch the button within the specified time, the transaction is ended; otherwise, the transaction is continued and completed.

 Further optionally, the payment device 100 can also integrate a power module that is used to provide power and perform power management when the audio communication module is used. In some embodiments, the power module can include a button battery for powering.

 The payment device 100 can optionally also be integrated with an indicator light for prompting the transaction to proceed normally. When the payment device 100 accesses the processing device to begin work or confirms the transaction, the indicator light may flash to alert the device to begin work or to confirm the work.

2a-2c schematically show perspective views of a portable payment device in accordance with one embodiment of the present invention. In some embodiments of the invention, the payment device may be constructed as a box-like structure. Figure 2a shows the overall shape of the payment device according to this embodiment, The mid-audio interface card is placed on the side of the main body of the payment device and is foldable. The state in which the audio interface plug-in is open is shown in Figure 2b.

 Figure 2c shows an exploded configuration of the payment device, wherein 1 is the upper casing of the payment device; 2 is the lower casing of the payment device; 3 is an audio interface card; 4 is a circuit board inside the payment device, which can be integrated on the circuit board Security module, financial IC card module, online transaction module li, τ τη τ-> 3⁄4 Vr=r J-it iJ, it jt ; K 7-iJ.it J. i. . i -TL *t 1· . -J- Λ« J. _ -, . r U iD 3⁄4iL'l S ^-yC , -W & 3⁄4 T> ; 7-J 3⁄4Η-ίσ 3⁄4 /^; D is the indicator light; 7 is the anti-trafficking touch Control button; 8 is USB interface.

 Those skilled in the art will appreciate that the payment device configurations illustrated in Figures 2a-2c are merely illustrative and not limiting. In general, a payment device according to an embodiment of the present invention can be implemented to be small and portable in overall size, and its shape and volume can preferably be matched with mobile terminals such as mobile phones.

 FIG. 3 schematically illustrates an application scenario of a portable payment device 300 in accordance with one embodiment of the present invention. In the conventional scheme, a payment instrument such as a financial IC card needs to operate a card through a card reader such as an internet payment terminal, and the application of such a payment instrument depends on an intermediate processing device. According to an embodiment of the present invention, the payment device 300 can directly access the processing device to complete a transaction, such as a personal computer or a smart phone, and no longer relies on an intermediate processing device like a card reader, which greatly improves the convenience of operation. Especially suitable for users who use a relatively concentrated account.

 It should be noted that the above specific embodiments are merely illustrative of the technical solutions of the present invention and are not intended to limit them. While the present invention has been described in detail with reference to the preferred embodiments of the present invention, it will be understood that

Claims

WO 2014/187272 upiPCT/CN2014/077631 Claims 1. A portable payment device, characterized in that it integrates a financial IC card module and an online transaction module, and also integrates a USB communication module with a USB interface and/or an audio communication module with an audio interface plug-in; The financial IC card module, the USB communication module and the audio communication module are respectively coupled to the online transaction module. 2. The portable payment device according to claim 1, wherein the payment device is further integrated with an antenna module, and the financial IC card module is coupled to the antenna module. 3. The portable payment device according to claim 1, wherein the financial IC card module is coupled to the online transaction module through an IS07816 interface. 4. The portable payment device according to claim 1, wherein the payment device is also integrated with one or more of a Bluetooth communication module, a WiFi communication module and an Ethernet communication module, and the one or more communication modules A module is coupled to the online transaction module. 5. The payment device according to claim 1, wherein the payment device is further integrated with a security module for establishing a secure channel during the transaction process, wherein the security module is coupled with the online transaction module. 6. The payment device according to claim 1, wherein the audio interface plug-in is a standard 3.5mm 4-core headphone plug. 7. The payment device according to claim 1, wherein the audio interface plug-in is configured as a foldable audio interface plug-in. 8. The payment device as claimed in claim 1, characterized in that the payment device further Includes transaction anti-hijacking button. 9. The payment device according to claim 1, characterized in that the payment device is also integrated with an indicator light for prompting that the transaction is proceeding normally. 1 Π

h * "It T h. -T-ί/τ-ΐ* * ¾ also includes a power supply module that provides power when using the audio communication module. 11. The payment device according to claim 1, characterized in that the payment device is configured as a box-like structure.