CN103632437B - financial authentication device applied to intelligent device - Google Patents

Abstract

The present invention relates to a financial authentication device applied to a smart device, which mainly inserts the authentication device into the audio jack of the smart device through an audio plug terminal, and reads the financial authentication information in the smart card owned by the user through a card reader interface, so as to convert the financial authentication information into an audio financial authentication information through an audio conversion module, and finally the audio financial authentication information is generated into a digital password by the application module, so as to achieve the purpose of providing the user with the smart device to complete consumption behavior.

Description

Financial authentication device applied to smart devices

technical field

The present invention provides a financial authentication device applied to an intelligent device, in particular to an authentication device applied to an intelligent device for financial consumption.

Background technique

By the way, many of today's trading and financial transaction circulation methods have developed from pure money and currency exchanges in the past to different forms of plastic currency such as credit cards, debit cards or cash cards. Because plastic currency is light and light and easy to carry around, it can also be exempted. It is troublesome to carry a lot of money and currency, so the usage rate of plastic currency is increasing year by year all over the world, and it has become the consumption method chosen by most people. Most of the ways to use plastic currency are to use specific equipment to read plastic currency. After the information is correct, the consumer payment can be completed. However, due to the popularity and rapid development of the Internet today, many consumers will use such as smart phones, tablet computers, notebook computers, desktop computers or other Internet-connected devices. Etc. The behavior of spending on the Internet is different. When using plastic currency for online consumption, the payment must be completed by entering the card number, authentication code or password. However, entering the password by yourself also leads to many shortcomings. and inconvenience are often criticized by users.

Contents of the invention

In view of this, the main purpose of the present invention is to provide a financial authentication device applied to smart devices that can obtain financial authentication information through the audio socket of the smart device to complete consumption behavior without the need for consumers to input.

For realizing above-mentioned technical purpose, the present invention adopts following technical scheme:

A financial authentication device applied to an intelligent device, which includes an authentication device and an intelligent device, and the authentication device includes:

A card reader interface;

An audio conversion module electrically connected to the card reading interface;

an audio plug terminal electrically connected to the audio conversion module;

The smart device includes:

an audio jack for connecting the audio jack of the authentication device;

an application module electrically connected to the audio socket;

Insert the authentication device into the audio socket of the smart device through the audio plug terminal, and read the financial authentication information in the smart card owned by the user through the card reading interface, so as to pass the audio conversion module to the financial authentication information. The authentication information is converted into an audio financial authentication information, and finally the application module generates a digital password from the audio financial authentication information to achieve the purpose of providing the user with the smart device to complete the consumption behavior.

Preferably, the card reading interface is an interface of IOS7816-3 standard.

Preferably, the authentication device further includes an integrated integrated circuit storing financial authentication information.

Preferably, the smart card includes credit card, debit card and cash card owned by the user.

Preferably, the authentication device is further provided with a power supply module, which is electrically connected with the card reading interface, the audio conversion module and the audio plug terminal.

Preferably, the application module generates the digital password according to the frequency and period of the audio authentication information. amplitude or phase.

Technical scheme of the present invention can also be realized like this:

A financial authentication device applied to an intelligent device, which includes an authentication device and an intelligent device, and the authentication device includes:

A smart card, which stores financial authentication information and is provided with an output interface;

A card reading interface for reading smart cards;

an audio plug terminal electrically connected to the card reading interface;

The smart device includes:

An audio socket for connecting the audio socket of the authentication device;

An application module is electrically connected with the audio socket.

Preferably, the output interface and the card reading interface are of an interface specification for outputting audio.

Preferably, the output interface and the card reading interface conform to the interface specification of ISO7816-3.

Preferably, the authentication device is additionally equipped with an audio conversion module.

Preferably, the authentication device is further provided with a power supply module, which is electrically connected with the card reading interface, the audio conversion module and the audio plug terminal.

Description of drawings

Fig. 1 is the architectural block diagram of the invention.

Fig. 2 is a block diagram of the usage state of the invention.

Fig. 3 is a schematic diagram of the first use state of the invention.

Fig. 4 is a second schematic diagram of the use state of the invention.

Figure 5 is a diagram of a further embodiment of the invention.

Fig. 6 is Fig. 1 of another embodiment of the invention.

Fig. 7 is Fig. 2 of another embodiment of the invention.

[Description of main component symbols]

Financial authentication device..1

Authentication device....2

Card reader interface...21

Audio conversion module..22

Audio connector..23

Power supply module....24

smart card...25

Integrated integrated circuit.26

Smart device...3

Audio socket...31

Application Module....32

Financial authentication device..4

Authentication device....5

smart card...51

Output interface....511

Card reader interface....52

Audio connector..53

Power supply module....54

Audio conversion module..55

Intelligent device...6

Audio socket...61

Application Module....62

detailed description

In order to achieve the above-mentioned effects and purposes, as well as the means, techniques and structures adopted, the content, features and embodiments of this creation are explained below with diagrams, so that your examiners can have a better understanding of this creation.

Please refer to Fig. 1, Fig. 2, Fig. 3, Fig. 4 and Fig. 5, which are a block diagram of a preferred embodiment of the present invention, a block diagram of a state of use, a schematic diagram of a state of use and a diagram of a further embodiment, which can be clearly seen from the figure It can be seen that the financial authentication device 1 includes an authentication device 2 and an intelligent device 3:

Authentication device 2 includes:

A card reading interface 21, which is an interface of ISO7816-3 standard;

An audio conversion module 22, electrically connected to the card reading interface 21;

An audio plug-in terminal 23 is electrically connected to the audio conversion module 22;

In addition, the authentication device 2 is further provided with a power supply module 24, which is electrically connected with the card reading interface 21 and the audio plug terminal 23, so as to provide the required power;

Smart device 3 includes:

A sound source socket 31 for connecting the audio socket 23 of the authentication device 2;

An application module 32, which is electrically connected to the sound source socket 31, is a kind of application software pre-loaded in the smart device 3;

When a user purchases goods online through a smart phone, tablet computer, notebook computer, desktop computer, or other smart device 3 that can be connected to the Internet, the authentication device 2 will Insert it into the sound source socket 31 of the smart device 3, and put the smart card 25 of one of the traditional credit card, debit card or cash card owned by the user into the card reading interface 21, and make the card reading interface 21 read out the smart card 25 After the financial authentication information of the card number, identification code, authentication code or authorization code, it is converted into an audio financial authentication information through the audio conversion module 22, and is transmitted to the smart device 3 through the audio plug terminal 23, and finally through the application module 32. The audio financial authentication information is generated into a digital password (card number, identification code, authentication code or authorization code), and finally directly input into the consumption system, so as to achieve the purpose of completing the consumption behavior;

Since the sound source jack 31 is originally used by the smart device 3 to connect external earphones, speakers or other sound output devices, it can only accept audio signals, so before the financial authentication information is output to the smart device 3, it must go through The audio conversion module 22 converts it into audio financial authentication information, and finally the application module 32 generates a digital password according to the frequency, period, vibration or phase of the audio authentication information to provide the card number, identification code, Authentication code or authorization code;

Following the above, when the audio socket 23 is connected to the audio socket 31, a connection confirmation test will be generated between the application module 32 and the authentication device 2, that is to say, the smart device 3 will send a signal from the audio socket 31. The detection signal is given to the authentication device 2. If the authentication device 2 has been connected to the smart device 3, the authentication device 2 will also send a response signal to the smart device 3 through the audio socket 31. However, if the audio source is plugged in If the hole 31 does not receive the response signal from the authentication device 2, it will send a detection signal to the authentication device 2 again until it receives the response signal from the authentication device 2, and when the sound source socket 31 receives the response signal, that is, When the connection confirmation test is completed, the application module 32 then immediately sends a signal to the authentication device 2 to drive the authentication device 2 to output audio authentication information;

Wherein the smart card 25 is a traditional credit card, financial card or cash card owned by a general user. Since the contact interface of the smart card 25 is the ISO7816-3 specification, the card reading interface 21 of the present invention is limited to the interface of the ISO7816-3 specification. Able to read the information in the smart card 25;

In addition, the authentication device 2 can also be provided with an integrated integrated circuit 26 (as shown in FIG. 5 ), which is mainly used by banks or financial institutions to pre-register information such as the card number, identification code, authentication code or authorization code contained in the smart card 25. Stored in the integrated integrated circuit 26, the difference is that the data is directly stored in the integrated integrated circuit 26 in the form of audio financial authentication information, so it can be directly transmitted to the smart device without conversion by the audio conversion module 22. For the device 3 , of course, even if the authentication device 2 itself has an integrated integrated circuit 26 , the user can also use the original smart card 25 through the card reading interface 21 at the same time.

Please refer to FIG. 6 and FIG. 7 , which are diagrams of another embodiment of the present invention. It can be clearly seen from the diagram that the financial authentication device 4 includes an authentication device 5 and an intelligent device 6 .

Authentication device 5 includes:

A smart card 51, which stores financial authentication information, and is provided with an output interface 511, and the output interface 511 has an interface for outputting audio and an interface of ISO7816-3 specification;

A card reading interface 52 for reading the smart card 51;

An audio plug-in terminal 53 is electrically connected to the card reading interface 52;

In addition, the authentication device 5 is further provided with a power supply module 54, which is electrically connected with the card reading interface 52 and the audio plug terminal 53, so as to provide the required power;

Smart device 6 includes:

A sound source socket 61 for connecting the audio socket 53 of the authentication device 5;

An application module 62, which is electrically connected to the sound source socket 61, is a kind of application software pre-loaded in the smart device 6;

Insert the authentication device 5 into the sound source socket 61 of the smart device 6 through the audio socket 52 (as shown in FIG. 6 ), and insert the smart card 51 into the card reader interface 52, so that the card reader interface 52 can read Take out the financial authentication information in the smart card 51, and transmit it to the smart device 6 through the audio plug terminal 53, and finally generate a digital password (card number, identification code, authentication code) by the audio financial authentication information through the application module 62 or authorization code), and finally input directly into the consumption system, so as to achieve the purpose of completing the consumption behavior;

Next, the smart card 51 referred to in this embodiment is not a traditional credit card, financial card or cash card owned by the user itself. , authentication code or authorization code and other data are directly stored in the smart card 51 in the form of audio financial authentication information, so in this embodiment, the card reading interface 52 is an audio type interface, and the smart card 51 is through the ISO7816-3 standard The output interface 511 outputs financial authentication information;

And in order to allow the user to also use the smart card 25 of the traditional credit card, debit card or cash card owned by itself at the same time, the authentication device 5 can be provided with an audio conversion module 55 (as shown in Figure 7 ) in addition to read the smart card 25 The financial authentication information converted into audio financial authentication information, and, since the smart card 25 which is a credit card, debit card or cash card must be able to be used, the card reading interface 52 in this embodiment must be an ISO7816-3 interface specification , and the smart card 51 outputs financial authentication information through the output interface 511 of the ISO7816-3 standard, so that the smart card 51 and the traditional smart card 25 that is a credit card, debit card or cash card can be used on the authentication device 5 .

The above-mentioned embodiment is used to illustrate one of the preferred feasible embodiments of the present invention, and is not intended to limit the scope of the present invention. Anyone skilled in this art can make some changes without departing from the spirit and scope of the present invention. Therefore, the scope of protection of the present invention should be defined by the scope of the appended patent application.

Claims (11)

1. A financial authentication device applied to an intelligent device, comprising an authentication device and an intelligent device: Authentication devices include: A card reader interface; An audio conversion module electrically connected to the card reading interface; an audio plug terminal electrically connected to the audio conversion module; Smart devices include: An audio source socket for connection to the audio socket of the authentication device; an application module electrically connected to the audio socket; It mainly inserts the authentication device into the sound source socket of the smart device through the audio plug-in terminal, and reads the financial authentication information in the smart card owned by the user through the card reading interface, so as to pass the audio conversion module to the The financial authentication information is converted into an audio financial authentication information, and finally the application module generates a digital password from the audio financial authentication information to achieve the purpose of providing the user with the smart device to complete the consumption behavior. 2 . The financial authentication device applied to smart devices according to claim 1 , wherein the card reading interface is an interface of ISO7816-3 standard. 3. The financial authentication device applied to a smart device as claimed in claim 1, wherein the authentication device further comprises an integrated integrated circuit storing financial authentication information. 4. The financial authentication device applied to a smart device as claimed in claim 1, wherein the smart card includes a credit card, a debit card and a cash card owned by the user. 5 . The financial authentication device applied to smart devices according to claim 1 , wherein the authentication device is further provided with a power supply module, which is electrically connected to the card reading interface, the audio conversion module and the audio plug-in terminal. 6 . 6 . The financial authentication device applied to a smart device according to claim 1 , wherein the digital password generated by the application module is based on the frequency, period, amplitude or phase of the audio authentication information. 7. A financial authentication device applied to a smart device, comprising an authentication device and a smart device: Authentication devices include: A smart card, which stores financial authentication information and is provided with an output interface; A card reading interface for reading smart cards; an audio plug terminal electrically connected to the card reading interface; Smart devices include: An audio source socket for connection to the audio socket of the authentication device; An application module is electrically connected with the audio socket. 8 . The financial authentication device applied to a smart device according to claim 7 , wherein the output interface and the card reading interface are an interface specification for outputting audio. 9 . The financial authentication device applied to smart devices according to claim 7 , wherein the output interface and the card reading interface are interface specifications of ISO7816-3. 10. The financial authentication device applied to a smart device according to claim 7, wherein the authentication device is further provided with an audio conversion module. 11. The financial authentication device applied to smart devices as claimed in claim 7, characterized in that, the authentication device is additionally provided with a power supply module, and is electrically connected to the card reading interface, the audio conversion module and the audio plug terminal. connect.