CN100419802C - Radio frequency identification read-write device and financial transaction method using same - Google Patents

Abstract

The invention discloses a radio frequency identification read-write device and a financial transaction method using the same, wherein the radio frequency identification read-write device comprises: an SD interface unit, a radio frequency read/write unit and a memory unit. The radio frequency reading and writing unit is connected with the SD interface unit and can read and change the content of the radio frequency identification label; the memory unit is connected with the SD interface unit and can store data. In addition, the invention also provides a financial transaction method using the device, the radio frequency identification read-write device is inserted into an SD interface slot of an electronic terminal device, the electronic terminal device is used for controlling the radio frequency identification read-write device to read the commodity with the price recorded by a radio frequency identification volume label, and the radio frequency identification read-write device is used for reading the commodity price recorded in the radio frequency identification volume label to perform transaction.

Description

Radio frequency identification reading and writing device and financial transaction method using the device

technical field

The invention relates to a radio frequency identification reading and writing device and a financial transaction method using the device, in particular to a radio frequency identification reading and writing device with an SD interface (Secure Digital interface) and UHF communication, and a radio frequency identification reading and writing device using the radio frequency identification A radio frequency identification reading and writing device for financial transactions and a financial transaction method using the device.

Background technique

Radio Frequency Identification (RFID) is listed as one of the top ten important technology projects in this century, and it is an emerging technology that can change the way of human consumption. The radio frequency identification system architecture can be applied in a wide range of fields. Because it has non-contact reading, updating and can store large-capacity data, it has greater advantages compared to traditional barcode identification. Therefore, in electronic labels, scanning Systems such as devices are widely used, and the applicable industries include aviation baggage monitoring, production automation control, warehouse management, transportation monitoring, security control, library management, consumer product management, electronic finance, mobile communication and medical management, etc. It is expected to be available in the near future. Replace the currently used bar code (Bar-code) information identification system.

Among them, in the field of communication, adding the function of radio frequency identification on the handheld mobile device mainly includes setting the radio frequency identification tag (RFID Tag) in the handheld mobile device as a communication mechanism for envoys; or using the radio frequency identification device ( RFID Reader/Writer) is integrated in a handheld mobile device as a reading mechanism for radio frequency identification tags. These technologies have been widely disclosed in many patent documents.

For example, the technology disclosed in US Pat. No. 6,892,052 is based on a short-range communication mechanism and has a handheld mobile device with a radio frequency identification scanner function. The handheld mobile device disclosed in the patent has a built-in radio frequency identification scanner (Terminal RFID Reader Module) and a radio frequency identification tag.

Another example is U.S. Patent Publication US2003/0120745, which discloses the use of a handheld mobile phone with a built-in radio frequency identification device as a radio frequency identification scanner, and directly reads the server address obtained by reading the radio frequency identification label with the handheld mobile phone. Connect to the address of this server without going through human operator procedures.

Comprehensive above-mentioned prior art, can find to have following shortcoming:

(1) Both use high-frequency or low-frequency communication mechanisms, thus limiting the use of long-distance requirements.

(2) It is a built-in radio frequency identification device, so the user cannot install or remove the radio frequency identification device according to the situation.

In addition, the technology disclosed in US Pat. No. 5,729,591 uses a hand-held mobile phone as a credit card transaction mechanism. The hand-held mobile phone has functions of receiving, transmitting and antenna. However, the device with financial transaction function is fixedly installed on the hand-held mobile phone, so not only does it have a volume problem, but also the user must carry an additional credit card to conduct transactions, which is quite inconvenient.

Contents of the invention

The purpose of the present invention is to provide a radio frequency identification reading and writing device and a financial transaction method using the device, wherein the radio frequency identification reading and writing device is installed on an electronic terminal device with an SD interface, and can be plug-and-play.

The secondary purpose of the present invention is to provide a radio frequency identification reading and writing device and a financial transaction method using the device, wherein the radio frequency identification reading and writing device adopts an ultra-high frequency communication mechanism to increase the scanning, reading and writing range.

Another object of the present invention is to provide a radio frequency identification reading and writing device and a financial transaction method using the device. The radio frequency identification reading and writing device is used to consume commodities with a radio frequency identification label to realize electronic shopping.

In order to achieve the above object, the present invention provides a radio frequency identification reading and writing device that can be inserted into an electronic terminal device, the electronic terminal device includes a control unit, a radio frequency transmitting unit and an SD interface slot, the SD interface slot and the radio frequency The transmitting unit is connected with the control unit, and the radio frequency identification reading and writing device can read and record data inside a radio frequency identification label through the operation of the electronic terminal device, and the radio frequency identification reading and writing The device includes: an SD interface unit, a radio frequency reading and writing unit and a memory unit. The SD interface unit can be connected with the SD interface slot for data communication transmission; the radio frequency read-write unit is connected with the SD interface unit, and the radio frequency read-write unit can read and change the content of the radio frequency identification tag; the storage The unit is connected with the SD interface unit, and the storage unit records an amount of electronic money for electronic transactions.

Preferably, the radio frequency reading and writing unit can send a signal for reading or writing radio frequency identification by the radio frequency transmitting unit.

Preferably, the radio frequency identification reading and writing device further includes a radio frequency antenna unit connected to the SD interface unit. The bandwidth of the radio frequency antenna unit is ultra high frequency (Ultra High Frequency).

Preferably, the electronic terminal device is a mobile phone or a personal digital assistant device.

Preferably, the content recorded in the storage unit includes an amount of electronic money.

In order to achieve the above object, the present invention provides a method for conducting financial transactions with a radio frequency identification reading and writing device, comprising the following steps: providing an electronic terminal device with an SD interface slot; providing a storage unit for recording the amount of an electronic currency Insert a radio frequency identification reading and writing device into the SD interface slot to realize plug and play; operate the electronic terminal device to control the radio frequency identification reading and writing device to read the price recorded in the radio frequency identification label; and conduct transactions.

In order to facilitate a further understanding of the features, purposes and functions of the present invention, the relevant detailed structure and design concept of the device of the present invention will be described in detail below in conjunction with the accompanying drawings.

Description of drawings

Fig. 1A is a schematic diagram of the combination of a preferred embodiment of the radio frequency identification reading and writing device of the present invention and an electronic terminal device;

Fig. 1B is a schematic diagram of another preferred embodiment of the radio frequency identification reading and writing device of the present invention;

Fig. 2 is a schematic diagram of a first preferred embodiment of a radio frequency identification tag read by the radio frequency identification reading and writing device of the present invention;

Fig. 3 is a schematic flow chart of a method for performing financial transactions by the radio frequency identification reading and writing device of the present invention;

Fig. 4 is a schematic flow diagram of a preferred process of performing transaction steps of the method for conducting financial transactions by the radio frequency identification reading and writing device of the present invention;

Fig. 5 is a schematic diagram of a second preferred embodiment of a radio frequency identification tag read by the radio frequency identification reading and writing device of the present invention;

FIG. 6 is a schematic flow diagram of the transaction steps in the second preferred embodiment of the financial transaction method of the radio frequency identification reading and writing device of the present invention.

Explanation of reference signs: 1 electronic terminal device; 11 control unit; 12-SD interface slot; 13 radio frequency transmitting unit; 14 display unit; 15 operation unit; 2 radio frequency identification reading and writing device; unit; 23 storage unit; 231 personal information of the operator; 24 radio frequency antenna unit; 3 method flow of financial transaction; 31-34-steps; 341-346-steps; 6 commodities; price; 622 operator profile.

Detailed ways

Please refer to FIG. 1 , which is a schematic diagram showing the combination of a preferred embodiment of the radio frequency identification reading and writing device of the present invention and an electronic terminal device. The present invention proposes a radio frequency identification reading and writing device 2, which can be inserted into an electronic terminal device 1, and the electronic terminal device 1 includes a control unit 11, an SD interface slot 12, a radio frequency transmitting unit 13, and a display unit 14 and an operating unit 15 . The SD interface slot 12, the radio frequency transmitting unit 13, the operating unit 15 and the display unit 14 are connected to the control unit 11, and the electronic terminal device 1 can be a mobile phone or a personal digital assistant (Personal Digital Assistant, PDA), etc. electronic product.

The radio frequency identification reading and writing device 2 includes: an SD interface unit 21 , a radio frequency reading and writing unit 22 , and a storage unit 23 . The SD interface unit 21 can be connected with the SD interface slot 12 for data communication transmission; the radio frequency read-write unit 22 is connected with the SD interface unit 21, and the radio frequency read-write unit 22 can read and change the radio frequency The content of the identification tag (RFID Tag); the storage unit 23 is connected with the SD interface unit 21, and the storage unit 23 can store data, such as stored value electronic money to carry out electronic transactions and record the user's relevant personal data, transaction date . The radio frequency identification reading and writing device 2 can be inserted into the SD interface slot 12 to be electrically connected with the electronic terminal device 1 through the SD interface unit 21 . In this embodiment, the radio frequency identification reading and writing device 2 can perform scanning, reading and writing operations with the radio frequency transmitting unit 22 of the electronic terminal device 1 in the ultra high frequency band (Ultra High Frequency, 860M-930MHz), so as to Increase the scanning distance for reading and writing.

Please refer to the schematic diagram of another preferred embodiment of the radio frequency identification reading and writing device of the present invention shown in FIG. 1B . In addition to the unit shown in Figure 1A, the radio frequency identification reading and writing device also includes a radio frequency antenna unit 24, which is connected to the SD interface unit 21, and the radio frequency antenna unit 24 can emit radio frequency signals for the radio frequency identification label For scanning, reading and writing operations, the frequency band of the radio frequency antenna unit 24 is UHF.

Returning to Fig. 1A again, when the user uses the radio frequency identification reading and writing device 2, he only needs to insert the radio frequency identification reading and writing device 2 into the SD interface slot 12 of the electronic terminal device, and the user can control the operation unit 15 to select That is, the control unit 11 can control the radio frequency identification reading and writing device 2 to scan the data stored in the radio frequency identification tag or change the data of the radio frequency identification tag through the SD interface. Since the radio frequency identification reading and writing device 2 of the present invention is an ultra-high frequency band, the range that can be scanned or written is increased. In addition, the radio frequency identification reading and writing device 2 is an SD interface, which can be plugged and pulled at any time, so it is easy for users to read and write. In other words, not only can it be used according to the situation, but also there is no need to worry about the trouble caused when the electronic terminal device 1 is lost.

Please refer to Fig. 2 and Fig. 3, wherein Fig. 2 is a schematic diagram of a first preferred embodiment of a radio frequency identification tag that utilizes the radio frequency identification reading and writing device of the present invention to read commodities; Fig. 3 is a financial transaction performed by the radio frequency identification reading and writing device of the present invention Schematic diagram of the method flow. The present invention provides a method 3 for conducting financial transactions using a radio frequency identification reading and writing device, which can conduct electronic financial transactions on a commodity with a radio frequency identification label, which includes the following steps:

Step 31 - providing an electronic terminal device with an SD interface slot;

Step 32—provide a radio frequency identification read-write device for recording an amount of electronic money with a storage unit and insert it into the SD interface slot;

Step 33 - operate the electronic terminal device to control the radio frequency identification reading and writing device to read a commodity price recorded on the radio frequency identification tag; and

Step 34 - Make the transaction.

The radio frequency identification reading and writing device of the present invention can be used as electronic financial currency to carry out electronic transactions of small amounts, and users can pre-store the amount of electronic currency for consumption. Step 31 and step 32 can be referred to FIG. 2 together. The radio frequency identification reading and writing device 2 has been inserted into an electronic terminal device 1 , and the electronic terminal device 1 is a mobile phone in this embodiment. In step 33, the electronic terminal device 1 is used to control the radio frequency identification reading device 2 to read the price of the product. Wherein, the manufacturer may set a radio frequency identification tag 61 on the commodity 6 , which includes a storage unit 62 , and the storage unit 62 records a commodity price 621 representing the value of the commodity 6 . The electronic transaction of step 34 is then carried out.

Please refer to FIG. 4 , which is a schematic flow diagram showing the preferred transaction steps of the financial transaction method of the radio frequency identification reading and writing device of the present invention. This step 34 also includes a step 341 of judging whether the electronic money amount is greater than the commodity price, and if the electronic currency amount is greater than the commodity price, then proceed to the step 344 of deducting the commodity price from the electronic currency amount to complete the transaction, and then proceed to The display unit 14 of the electronic terminal device (as shown in FIG. 2 ) displays the information of the successful transaction and the remaining payment at step 345 . If the amount of electronic money is less than the commodity price, then proceed to step 342 of stopping the transaction, and then proceed to step 343 of displaying a transaction failure message on the display unit 14 (as shown in FIG. 2 ) of the electronic terminal device.

Please refer to FIG. 5 , which is a schematic diagram of a second preferred embodiment of using the radio frequency identification reading and writing device of the present invention to read the radio frequency identification tags of commodities. In this embodiment, most of the components are the same as those in the first preferred embodiment shown in FIG. 3 , and will not be repeated here. Wherein, in this embodiment, the storage unit 23 in the radio frequency identification reading and writing device 2 records an operator's personal data 231 , that is, relevant information of the user, such as name, address or telephone number.

Please refer to FIG. 6 for a preferred flowchart of the transaction steps in the second preferred embodiment of the financial transaction method of the radio frequency identification reading and writing device of the present invention. In this embodiment, steps 341 to 345 are the same as those in FIG. 4 described above, and will not be repeated here. The important feature of this embodiment is that after step 345, that is, after the transaction is successful, step 346 is performed to make the electronic terminal device control the radio frequency identification reading device to write the operator's personal data into the memory of the commodity radio frequency identification tag , as shown in FIG. 5 , an operator personal data 622 is added to the storage unit 62 . The product can retain the relevant data of the operator, that is, the buyer. If the product is lost in the future, the owner can be found by interpreting the content of the frequency identification tag inside the product, or when the owner finds a suspected lost item, the data can be used as prove. In addition, by recording the user's information, it can also be used in the inspection of after-sales service, which has great protection for consumers and manufacturers. In addition to writing the operator's personal data 622, the data of the purchase date can also be written in the radio frequency identification tag 61 of the commodity 6 as a certificate of after-sales service.

Utilizing the device and transaction method of the present invention can provide users with great convenience, eliminating the need to carry banknotes or the trouble of credit cards being stolen, and using radio frequency identification tags to write relevant data can increase a lot of convenience sex.

The above descriptions are only preferred embodiments of the present invention, and should not limit the scope of the present invention. Therefore, all equivalent changes and modifications made according to the claims of the present invention will still not lose the gist of the present invention, nor depart from the spirit and scope of the present invention, and all should be regarded as further implementations of the present invention.

Claims (10)

1. radio frequency identification read-write equipment, it is characterized in that, be inserted on the electric terminal device that comprises a control module, a rf transmitter unit and a SD interface slot and realize plug and play, this SD interface slot and this rf transmitter unit are connected with this control module, this radio frequency identification read-write equipment can be by the operation of this electric terminal device to read in the data of a radio frequency identification label inside and record data in this radio frequency identification label, and this radio frequency identification read-write equipment comprises:

One SD interface unit is connected with this SD interface slot, to carry out the data communication transmission;

One radio frequency read-write cell is connected with this SD interface unit, and this radio frequency read-write cell can read and change the content of radio frequency identification label; And

One storage unit is connected with this SD interface unit, and this unit records has an electronic money amount of money.

2. radio frequency identification read-write equipment as claimed in claim 1 is characterized in that, this radio frequency read-write cell sends the signal that radio frequency identification reads or writes by this rf transmitter unit.

3. radio frequency identification read-write equipment as claimed in claim 1, it is characterized in that also comprise the radio-frequency antenna unit with hyper band, it is connected with this SD interface unit, radio-frequency (RF) signal can be launched in this radio-frequency antenna unit, the radio frequency identification label is swept the operation that reads and writes.

4. a method of carrying out financial transaction with the radio frequency identification read-write equipment is characterized in that, can carry out electronic finance trade to the commodity with a radio frequency identification label, and it comprises the following steps:

(a) provide an electric terminal device with a SD interface slot;

(b) provide with a radio frequency identification read-write equipment of a unit records one electronic money amount of money and be inserted in this SD interface slot;

(c) operating this electric terminal device controls this radio frequency identification read-write equipment and reads the commodity price that this radio frequency identification label is write down; And

(d) conclude the business.

5. method of carrying out financial transaction with the radio frequency identification read-write equipment as claimed in claim 4 is characterized in that this steps d also comprises the following steps:

(d1) if this electronic money amount of money greater than this commodity price, is then deducted this commodity price to finish transaction with this electronic money amount of money; And

(d2) show Transaction Success and the information that remains fund at the electric terminal device.

6. method of carrying out financial transaction with the radio frequency identification read-write equipment as claimed in claim 5 is characterized in that, this storage unit also writes down operator's personal data.

7. method of carrying out financial transaction with the radio frequency identification read-write equipment as claimed in claim 6 is characterized in that, this step (d2) also comprises the following steps: afterwards

(d3) this electric terminal device is controlled this radio frequency identification read-write equipment these operator's personal data is write in this radio frequency identification label.

8. method of carrying out financial transaction with the radio frequency identification read-write equipment as claimed in claim 4 is characterized in that this steps d also comprises the following steps:

(d4) if this electronic money amount of money less than this commodity price, then shut the book; And

(d5) show the information of Fail Transaction at this electric terminal device.

9. method of carrying out financial transaction with the radio frequency identification read-write equipment as claimed in claim 4 is characterized in that, this radio frequency identification read-write equipment also comprises a radio-frequency antenna unit.

10. method of carrying out financial transaction with the radio frequency identification read-write equipment as claimed in claim 9 is characterized in that, the frequency range of this radio-frequency antenna unit is a ultrahigh frequency.

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