CN205247523U - A transaction device for IC -card - Google Patents

Abstract

A transaction device for an IC card. The transaction device includes a housing and an IC card reader, a Bluetooth module, and a data processing unit arranged inside the housing, wherein the IC card reader and the Bluetooth module are coupled with the data processing unit, and the IC card reader The writer is also used for coupling with the chip of the IC card, and reads and writes the IC card according to the instruction from the data processing unit; the data processing unit communicates with the external mobile terminal through the Bluetooth module.

Description

A transaction device for IC card

technical field

The embodiment of the utility model relates to a transaction processing mechanism, in particular to a transaction device for an IC card.

Background technique

IC cards (Integrated Circuit Cards, integrated circuit cards) are widely used in banking, telecommunications, public transportation and other fields due to their advantages of safety and portability. People use IC cards to carry out various transactions, for example, use bank cards to swipe card consumption at POS terminals, use bus cards to swipe cards at subway stations to take subways. The POS terminal or the card reader of the subway station, as the IC card reader, can read and write the IC card through contact or non-contact communication. However, these readers cannot be carried around.

Currently, there are IC reader/writers that can be carried by users to increase the convenience of transactions. A technical scheme uses the audio interface of the mobile phone to transmit data with the IC reader-writer to complete the transaction of the IC card. Using the audio interface of the mobile phone to conduct transactions has a low data transmission rate and poor versatility, because different mobile phones may have different audio interfaces.

Utility model content

A transaction device for an IC card, the transaction device includes a housing and an IC card reader, a bluetooth module, and a data processing unit arranged inside the housing, wherein the IC card reader and the bluetooth module are connected to the The data processing unit is coupled, and the IC card reader is also used for coupling with the chip of the IC card, and reads and writes the IC card according to the instructions from the data processing unit; the data processing unit communicates with the external Bluetooth module through the Bluetooth module. Mobile terminal communication.

In one embodiment, the casing is configured as a cuboid for accommodating an IC card, the top surface of the casing is an opening for inserting an IC card, and the IC card reader is installed on the top surface opposite bottom surface.

In one embodiment, the transaction device further includes a power supply provided inside the casing, for supplying power to the IC card reader-writer, the Bluetooth module, and the data processing unit.

In one embodiment, the charging interface of the power supply is located on the bottom surface of the housing.

In one embodiment, the data processing unit receives a transaction request from the mobile terminal through the Bluetooth module, and according to the transaction request, the data processing unit interacts with the IC card through the IC card reader-writer, and uses the IC card to complete the transaction .

In one embodiment, the mobile terminal is a mobile phone.

In one embodiment, the transaction request is sent to the data processing unit through an APP installed on the mobile terminal via a Bluetooth link.

The advantages of the utility model include: simplified transaction operation. There is no need to take out the credit card reader and the card during use, and the operation can be completed by operating the mobile phone through the Bluetooth connection. Through the APP set in the mobile phone, financial transactions such as consumption, transfer, transfer, balance inquiry, and industry card recharge are supported. Card-present transactions based on bank IC cards, transaction information is encrypted by IC card chips and transaction terminal hardware, and transmitted using secure channel technology Therefore, compared with the scheme of online card-free payment, the utility model has the advantages of high security and supports large-value transactions; compared with other mobile phone card readers, the utility model does not need to take out the terminal and bank card when the user uses it The transaction can be completed through Bluetooth, which has greater security.

Other features and advantages of embodiments of the invention will also be understood when read in conjunction with the following description when taken in conjunction with the accompanying drawings, illustrating by way of example the principles of embodiments of the invention.

Description of drawings

1A and 1B are schematic diagrams of a transaction device for an IC card according to an embodiment of the present invention.

Fig. 2 is a schematic diagram of a transaction device for an IC card according to an embodiment of the present invention.

Fig. 3 is a flowchart of a method for an IC card transaction device according to an embodiment of the present invention.

detailed description

Hereinafter, the principles of the present utility model will be described in conjunction with embodiments. It should be understood that the given embodiments are only for those skilled in the art to better understand and practice the utility model, rather than to limit the scope of the utility model. For example, the inclusion of many specific implementation details in this specification should not be construed as limitations on the scope of the invention or of what may be claimed, but rather as descriptions specific to the embodiments. For example, features that are described in the context of separate embodiments can be implemented in combination in a single embodiment. Features described in the context of a single embodiment can be implemented in multiple embodiments.

According to one or more embodiments of the present utility model, the designed transaction device is used to simplify the transaction process using the IC card, such as simplifying the operations required by the user when using the IC card for payment or simplifying the communication between the IC card and the user. communication mechanism. The designed transaction device has improved portability, and it is designed to accommodate the entire IC card. The compact structure allows the transaction device to be placed in a wallet or pocket without changing the appearance and inherent functions of the existing wallet or pocket. Under the conditions, the financial function provided by the utility model is added to it, so that this combined product is more functional and practical). Before and after use, the IC card can still be kept in the transaction device, and the user only needs to operate a mobile terminal (for example, smart devices such as mobile phones and tablet computers) to complete various financial operations on the IC card.

1A and 1B are schematic diagrams of a transaction device for an IC card according to an embodiment of the present invention. FIG. 1A shows a schematic view when an IC card 20 (for example, a bank card) is inserted into the transaction device 10 . FIG. 1B shows a schematic diagram of a transaction device 10 for an IC card. The housing 11 of the transaction device 10 is configured as a cuboid for accommodating an IC card (not shown). The top surface of the case 10 is an opening 12 for inserting an IC card. The size of the inner space of the housing 10 can be configured to just accommodate the IC card, for example, its length L and width W can be adapted to the length and width of the IC card, and its height H can be adapted to the thickness of the IC card, slightly larger than the IC card. The size of the card. Optionally, the casing 10 is configured as a compact structure in the shape of a thin sheet, so as to be easy to carry. Optionally, a fixing structure (not shown) may be provided inside the housing 10 for fixing the IC card 20; ), when the IC card 20 is held in the housing 10, the cover plate covers the opening 11 to prevent the IC card 20 from falling out. It can be understood that the housing 10 can also have other various shapes. Preferably, the housing is shaped to fit a purse or a pocket of clothing.

Fig. 2 is a schematic diagram of a transaction device for an IC card according to an embodiment of the present invention. Exemplarily, the transaction device 10 is disposed inside the wallet 30 . For example, being attached to the inside of a wallet. Optionally, transaction device 10 forms part of wallet 30 .

The configuration of the transaction device 10 will be described below. The transaction device 10 includes an IC card reader 15 , a Bluetooth module 13 , a data processing unit 14 , and an optional power supply 16 arranged inside the casing 10 . The power supply 16 has a power supply interface 17 . The IC card reader 15 and the Bluetooth module 13 are coupled with the data processing unit 14 . The IC card reader 15 is used to couple with the chip of the IC card 20 , and read and write the IC card 20 according to the instruction from the data processing unit 14 . The data processing unit 14 communicates with an external mobile terminal 40 through the Bluetooth module 13 . The IC card reader-writer 15 may be a contact-type reader-writer or a non-contact-type reader-writer equipped with a coil.

Continue to refer to Figure 3. The IC card reader/writer 15 is mounted on the bottom surface opposite to the top surface of the casing 10 . An optional power supply 16 can also be arranged at the bottom of the housing 10 to supply power 14 for the IC card reader 15 , the Bluetooth module 13 , and the data processing unit. The charging interface 17 of the rechargeable power source 16 may be located on the bottom surface of the housing 10 and exposed from the bottom surface. The bluetooth module 13 can be arranged. Those skilled in the art can understand that one or more components in the casing 10 can be arranged on a common main board. As mentioned above the housing 10 is shaped to fit in a purse or clothing pocket, so it will be appreciated that the internal components of the housing can be rearranged as desired.

In order to simplify the transaction operation, the housing of the transaction device has no screen and keyboard design, so the transaction operation is only completed through the mobile terminal. An advantage of this solution is that the user does not need to take out a bank card, card reader, or mobile phone to conduct transactions, but only needs to operate the mobile phone to complete the transaction. And the transaction device that holds the bank card can be affixed to, or form part of, a wallet, key case, business card holder.

The following describes the process of the transaction device interacting with the mobile terminal through the bluetooth link to complete the card swiping process. Fig. 3 is a flowchart of a method for an IC card transaction device according to an embodiment of the present invention.

In step 301, a connection between a transaction device and a mobile terminal is established. In one example, the transaction device is connected by operating an APP installed in the mobile. Optionally, the user's APP retains the ID of the last connected IC card. When establishing a connection, the user inputs the ID of the IC card or a part of the ID (such as the last four digits of the bank card number) for verification, and only starts to establish a Bluetooth connection with the transaction device after the verification is passed.

In step 302, the data processing unit receives a transaction request from the mobile terminal through the Bluetooth module. In one example, the user selects the type of transaction (for example, consumption, transfer, transfer, balance inquiry, industry card recharge) through the APP, and enters the transaction information and transaction password to generate a transaction request. In another example, the user scans the QR code using the APP to generate the type and information of the transaction.

In step 303, according to the transaction request, the data processing unit interacts with the IC card through the IC card reader and uses the IC card to complete the transaction. In one example, after the transaction is completed, the data processing unit returns the transaction result to the mobile terminal. Those skilled in the art can understand that a common transaction process can be used to execute a transaction by establishing a secure channel between the transaction device and the background server.

Various modifications and variations to the foregoing exemplary embodiments of the present invention may become apparent to those skilled in the relevant arts when they read the foregoing specification in conjunction with the accompanying drawings. Therefore, the embodiments of the invention are not to be limited to the particular embodiments disclosed and modifications and other embodiments are intended to be covered within the scope of the appended claims.

Claims (7)

1. for a transaction system for IC-card, it is characterized in that, this transaction system comprises housing and is arranged onThe IC-card read write line of this enclosure interior, bluetooth module, data processing unit, wherein,

This IC-card read write line and this bluetooth module and the coupling of this data processing unit,

This IC-card read write line also for the chip coupling of IC-card, and according to from this data processing unitInstruction is carried out read-write operation to IC-card;

This data processing unit is by this bluetooth module and outside communication of mobile terminal.

2. transaction system as claimed in claim 1, is characterized in that,

This housing is constructed to cuboid, for holding IC-card,

The end face of this housing is the opening for inserting IC-card,

This IC-card read write line is installed in the bottom surface relative with this end face.

3. transaction system as claimed in claim 1, is characterized in that,

This transaction system also comprises the power supply that is arranged on this enclosure interior, is used to described IC-card read write line, instituteState bluetooth module, the power supply of described data processing unit.

4. transaction system as claimed in claim 3, is characterized in that,

The charging inlet of described power supply is positioned at the bottom surface of described housing.

5. transaction system as claimed in claim 1, is characterized in that,

Described data processing unit receives the transaction request from mobile terminal by bluetooth module,

According to this transaction request, described data processing unit is mutual by this IC-card read write line and IC-card, usesThis IC-card completes transaction.

6. transaction system as claimed in claim 1, is characterized in that,

Described mobile terminal is mobile phone or the panel computer of bluetooth enable.

7. transaction system as claimed in claim 6, is characterized in that,

Described transaction request is sent to described data processing by the APP that is arranged on mobile terminal via Bluetooth linkUnit.