CN102005087A - Multi-bank-card-in-one device and method for payment by using same - Google Patents
Multi-bank-card-in-one device and method for payment by using same Download PDFInfo
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- CN102005087A CN102005087A CN2009101947972A CN200910194797A CN102005087A CN 102005087 A CN102005087 A CN 102005087A CN 2009101947972 A CN2009101947972 A CN 2009101947972A CN 200910194797 A CN200910194797 A CN 200910194797A CN 102005087 A CN102005087 A CN 102005087A
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Abstract
The invention discloses a multi-bank-card-in-one payment device and a method for payment by using the same. The device comprises a universal serial bus (USB) interface and a storage area divided into several areas, wherein the storage area comprises a safety control storage area for storing information such as card level safety application and a control key, a bank card information storage area for safely storing encrypted account information of multiple bank cards, and an expansion storage area divided into multiple separated functional areas. The device can be used as a safety carrier of the account information of the multiple bank cards to perform two types of payment, namely spot payment and remote payment, and expansion application of other functions, thereby facilitating uniform management over data of various bank cards and other information carriers, and payment by a card owner, and providing higher safety as well as a more convenient and faster payment experience.
Description
Technical field
The present invention relates to bank card paying system, relate in particular to and a kind ofly concentrate in the unified device many bank cards and the technology of paying.
Background technology
Along with the development of bank card technology and the progress of society, adopt the bank card payment to become a kind of consumption habit, the existing modes of payments is divided into on-site payment pattern and remote payment pattern two classes.In the on-site payment pattern, the holder selects commodity or service in entity trade company shop, carries out the transaction of entity bank card bankcard consumption finished surface opposite; In the remote payment pattern, the holder browses online store by the computer terminal and selects commodity or service to transfer by online bank capital to finish non-face-to-face transaction.But all there are some drawbacks:
1, the holder carries and manages several bank cards and trading card, selects suitable card to conclude the business in the payment process, carries, manages, selects many cards very loaded down with trivial details and not convenient.
2, during the holder swiped the card payment process, sensitive informations such as magnetic track information were monitored by illegal means by the lawless person easily and are stolen;
3, existing bank card card canned data is too single, is not easy to issuing bank the holder is carried out special service targetedly;
4, there is security risk hidden danger in substance cryptoguard;
5, Web bank adopts USB-KEY, IE certificate to add the securities of guaranteeing payment such as password card, file in download certificate mostly, and process of exchange uses bank card number, does not need the magnetic track information in the entity card, and no magnetic transaction exists security risk hidden danger;
6, every bank card that is used for remote payment all needs to open ebanking services at the cabinet face respectively, and relates to a plurality of passwords such as bank card payment cipher, e-Bank payment password, password for inquiry, brings many loaded down with trivial details and inconvenient to the holder;
7, the pairing certificate form difference of bank card of different bank distribution, operation format is disunity very, brings loaded down with trivial details and not convenient for holder's use, management;
8, existing bank card card canned data is too single, is not easy to issuing bank the holder is carried out special service targetedly.
As seen it is very inconvenient to have the bank card of many different banks and need often carry numerous bank cards, needs a kind of unified pattern that can manage various bank cards concentratedly.
Summary of the invention
The purpose of this invention is to provide a kind of novel payment mechanism, adopt the safety barrier of USB interface-based standard extension as many bank card account information, carry out information interaction and finish payment by USB interface-based standard extension and computer terminal, increment POS terminal, whole process adopts means such as a series of encryptions, deciphering, authentication to guarantee the security of sensitive information in storage, transmission course, experiences for the holder provides convenient, safe, efficient payment.
The present invention has disclosed a kind of multi-use card payment mechanism, comprises a USB interface, and is divided into the storage area of several regions, and is independent mutually in logic between the zone, controlled by encryption key separately respectively.Described storage area comprises: the security control memory block of depositing information such as application of card level security and control key; Can safety encipher the bank card information memory block of many bank card account information of storage; Can be divided into the extension storage district of a plurality of distinct area, can load polymorphic types such as electronic cash account, trading card information, transportation card information and gate inhibition's card as required and use, can also divide a distinct area and be used for storing personal data information specially.
Further, described device comprises that also a payment function enables switch.
Further, described device is provided with access code.
Further, described device is a contactless memory storage, finishes information interaction by noncontact wireless technology and POS terminal.
The present invention has also disclosed a kind of method that adopts the multi-use card payment mechanism to pay, described multi-use card payment mechanism has a circumscribed USB interface and is divided into the storage area of several regions, described storage area comprises a security control memory block, the bank card information memory block, holder's step of paying is as follows:
The holder opens payment function and enables switch;
Payment platform reads described device bank card information and finishes information interaction with corresponding device;
The holder imports the chip access code of described device;
The holder selects the bank card that is used to pay in the shown a plurality of bank cards of payment platform;
The holder imports the bank card payment cipher and confirms payment.
Further, having a deciphering module in the payment background system that the holder pays is decrypted the bank card cipher-text information.
Further, described payment mechanism can carry out on-site payment, and concrete steps are as follows:
The holder is on-the-spot selection commodity or service in the merchant entities shop;
Having the input consumption amount of money on this payment platform of POS terminal of contactless card reader;
The holder opens payment function and enables switch;
The holder makes a movement described device and realizes wireless information interaction transmission on this device and the POS terminal in the rolling of contactless card reader place;
The holder is the input reference password on the POS terminal;
The POS terminal shows the some bank card titles in this device, the bank card that holder's selection is used to pay;
The holder imports the bank card payment cipher and confirms payment;
Further, described payment mechanism can carry out remote payment:
Holder's online browse on this payment platform of computer terminal is selected commodity or service, and submits the request of purchase to;
The holder opens payment function and enables switch;
The USB interface of described device is inserted the USB interface of computer terminal;
The holder imports described device chip access code by computer interface, realizes that described device and computer terminal finish information interaction;
The computer terminal shows some bank card titles of described device, the bank card that holder's selection is used to pay;
The holder imports the bank card payment cipher and confirms payment;
Further, the described bank card information that is stored in the described device comprises magnetic track information.
Compare with existing other payment scheme, the present invention has following advantage:
1, described multi-bank engaging one device can hold many bank card account information, can freely select use also to be managed by the user, has solved the worry that the holder carries several Zhang Shiti bank card, has improved operation ease;
2, adopt closely noncontact wireless communication technology and universal serial bus technology, can carry out information interaction with increment POS facility, the USB mouth that also can directly insert the computer terminal carries out the information transmission;
3, support two kinds of application scenarioss of on-site payment and remote payment simultaneously, the holder can select commodity or service to finish aspectant payment transaction by these novel means of payment at increment POS facility in the entity shop, also can select commodity or service to finish non-face-to-face transaction in store, online browse internet, cover payment technical field more widely by the computer terminal;
4, adopt magnetic track information to conclude the business in the remote payment process, have higher security and convenience than the professional mode of bank's card number, password and certificate verifications such as USB-KEY or password card that adopts of traditional on-line payment as necessary authentication information;
5, the bank card that is used for remote payment need not to open online banking, adopt unitized mode to operate and manage the bank card of different bank distribution, set unified chip access code, still pay simultaneously, improved convenience with each bank card payment cipher;
6, can also load polymorphic types such as electronic cash account, trading card information, transportation card information and gate inhibition's card as required and use, be not the wallet of a storage accounts information, can also be as the key of authentication; Simultaneously, these novel means of payment also can be used as the personal data information storage tool;
7, the design of enabling multi-level protection system such as switch, bank card payment cipher by safety chip access code, payment function guarantees the security of user's payment process and the security of personal data storage.
Description of drawings
Fig. 1 is USB interface-based standard extension inner structure;
Fig. 2 reads flow process for the on-site payment bank card information;
Fig. 3 reads flow process for the remote payment bank card information.
Embodiment
This motion provides a kind of novel payment solution, and it is that sensitive information in the payment process provides safeguard protection that this scheme is come with USB interface-based standard extension, supports simultaneously on-the-spot and long-range two kinds of modes of payments almost to cover all payment technical field.In the on-site payment pattern, standard extension and increment POS facility carry out information interaction by closely noncontact wireless communication technology and finish payment transaction; In the remote payment pattern, standard extension and computer terminal are carried out information interaction by universal serial bus technology and are finished payment transaction.
As shown in Figure 1, the standard extension that the present invention is based on USB interface is divided into some storage areas, independent mutually in logic between the zone, control by encryption key separately respectively, be that each different storage area has key separately, key is used to encrypt memory contents, encrypts control such as the bank card information of different bank by different bank's keys, can accomplish separate.Information such as application of card level security and control key are put in the security control memory block; Many bank card account information can be stored by safety encipher in the bank card memory block; The extension storage district can be divided into a plurality of distinct area, very strong expansion is provided, can load polymorphic types such as electronic cash account, trading card information, transportation card information and gate inhibition's card as required and use, can also divide a distinct area and be used for storing personal data information specially.
Information in the USB interface-based standard extension in all storage areas all adopts the encryption storage mode, at first this extension is provided with access code, the user need input a password could visit this extension, and each different storage area also has key separately, key is used to encrypt memory contents, bank card information such as different bank is encrypted control by different bank's keys, can accomplish separately, cannot illegally read and write and use.
This invention concentrates on holder's bank card information in the same device, make the holder need not to carry entity cards such as several bank cards and trading card, as long as carry a USB interface-based standard extension, just can unify to use and manage, for the holder brings convenience, the holder can by cabinet face or other downloading modes with the bank card account download of information to the bank card memory block of described extension.
The present invention adopts payment function to enable multi-level protection system such as switch, access code, bank card payment cipher and guarantees; at first only under the situation of opening the payment function switch, could use payment function; and enable USB interface-based standard extension of the present invention by access code; to show the concrete bank card of being supported; also to carry out last payment at last, to guarantee payment safety of the present invention by bank card password.
USB interface-based standard extension imports bank card information into increment POS terminal by noncontact wireless communication technique closely in the on-site payment process, and concrete transaction step is as follows:
1, holder's on-the-spot selection commodity or service in the merchant entities shop;
2, the cashier is having the input consumption amount of money on the POS terminal of contactless card reader;
3, the holder opens payment function and enables switch, and rolling makes a movement at the contactless card reader place with USB interface-based standard extension, makes itself and POS terminal finish information interaction;
4, holder's input reference password on the POS terminal;
5, the POS terminal shows the some bank card titles in the USB interface-based standard extension, the bank card that holder's selection is used to pay;
6, the holder imports the bank card payment cipher and confirms payment;
7, subsequent transaction flow process and traditional bank card entity card bankcard consumption flow process only need to increase a deciphering module and be decrypted the bank card cipher-text information together in background system.
From the on-site payment transaction step as can be seen, holder's on-site payment flow process and traditional bankcard consumption are similar, USB interface-based standard extension is equal to all entity bank cards in holder's wallet as the unified carrier of all bank card information, brings great convenience for the holder when not changing holder's use habit; In the step 3, USB interface-based standard extension is sent to increment POS terminal with the bank card information of encrypting, even information is stolen, the bank card information ciphertext also can't be cracked, and has fully guaranteed payment safety.
USB interface-based standard extension imports bank card information into computer terminal by universal serial bus technology in the remote payment process, and concrete transaction step is as follows:
1, the holder selects commodity or service in the online store of online browse, the computer terminal of family or office, and submits the request of purchase to;
2, the holder opens payment function and enables switch, USB interface-based standard extension is inserted the USB interface of computer terminal;
3, the holder makes itself and computer terminal finish information interaction by the soft keyboard input chip access code of interface ejection;
4, the computer terminal shows the some bank card titles in the USB interface-based standard extension, the bank card that holder's selection is used to pay;
5, the holder imports the bank card payment cipher and confirms payment;
6, subsequent transaction flow process and traditional shopping online payment flow only need to increase a deciphering module and be decrypted the bank card cipher-text information together in background system.
From the remote payment transaction step as can be seen, holder's remote payment flow process and traditional shopping online consumption are similar, but use magnetic track information to conclude the business as necessary authentication information in the payment process, have higher security than traditional online payment business; Being used for the bank card of online payment need not each issuing bank and opens internet bank trade, and unified for different bank card operation format, for holder's use brings very big facility.
This patent proposes the payment solution and compares with existing payment scheme, adopt the safety barrier of USB interface-based standard extension as many bank card account information, cover on-the-spot and long-range two kinds of payments and other applications, when improving payment safety, experience for the holder has brought facility, payment efficiently more.
Claims (14)
1. multi-use card payment mechanism, it is characterized in that: described device comprises a USB interface, and is divided into the storage area of several regions, described storage area comprises a security control memory block and bank card information memory block.
2. a kind of multi-use card payment mechanism according to claim 1 is characterized in that: described security control memory block is used for that the memory card level security is used and control key information.
3. a kind of multi-use card payment mechanism according to claim 2, it is characterized in that: described bank card information memory block is divided into a plurality of logic independent partitions again, control by encryption key separately respectively, be used for the different bank card account information of safety encipher storage respectively.
4. according to claim 1 or 3 described a kind of multi-use card payment mechanisms, it is characterized in that: described storage area also comprises an extension storage district, described extension storage district comprises a plurality of distinct area, electronic cash account, trading card information, transportation card information can be loaded in each zone as required, gate inhibition's card information, and personal data information polymorphic type information.
5. a kind of method that adopts the multi-use card payment mechanism to pay according to claim 3 is characterized in that: the described bank card account information that is stored in the described device comprises magnetic track information.
6. a kind of multi-use card payment mechanism according to claim 1 is characterized in that: described device is contactless memory storage, and it adopts closely noncontact wireless communication technology to carry out the information interaction transmission with other data read facility.
7. according to claim 1,5,6 each described a kind of multi-use card payment mechanisms is characterized in that: described device comprises that also a payment function enables switch.
8. according to claim 1,5,6 each described a kind of multi-use card payment mechanisms, it is characterized in that: described device is provided with access code.
9. method that adopts the multi-use card payment mechanism to pay, it is characterized in that: described multi-use card payment mechanism has a USB interface and is divided into the storage area of several regions, described storage area comprises a security control memory block, the bank card information memory block, holder's step of paying is as follows:
The holder opens payment function and enables switch;
Payment platform reads described device bank card information and finishes information interaction with corresponding device;
The holder imports the access code of described device;
The holder selects the bank card that is used to pay in the shown a plurality of bank cards of payment platform;
The holder imports the bank card payment cipher and confirms payment.
10. a kind of method that adopts the multi-use card payment mechanism to pay according to claim 9, it is characterized in that: described device is contactless memory storage, and it adopts closely noncontact wireless communication technology to carry out the information interaction transmission with other data read facility.
11. a kind of method that adopts the multi-use card payment mechanism to pay according to claim 10 is characterized in that: described payment mechanism can carry out on-site payment, and concrete steps comprise:
The holder is on-the-spot selection commodity or service in the merchant entities shop;
Having the input consumption amount of money on this payment platform of POS terminal of contactless card reader;
The holder opens payment function and enables switch;
The holder makes a movement described device and realizes wireless information interaction transmission on this device and the POS terminal in the rolling of contactless card reader place;
The holder is the input reference password on the POS terminal;
The POS terminal shows the some bank card titles in this device, the bank card that holder's selection is used to pay;
The holder imports the bank card payment cipher and confirms payment.
12. a kind of method that adopts the multi-use card payment mechanism to pay according to claim 9 is characterized in that: described payment mechanism can carry out remote payment, and concrete steps comprise:
Holder's online browse on this payment platform of computer terminal is selected commodity or service, and submits the request of purchase to;
The holder opens payment function and enables switch;
The USB interface of described device is inserted the USB interface of computer terminal;
The holder imports described device access code by computer interface, realizes that described device and computer terminal finish information interaction;
The computer terminal shows some bank card titles of described device, the bank card that holder's selection is used to pay;
The holder imports the bank card payment cipher and confirms payment.
13. according to claim 9,11,12 each described a kind of methods that adopt the multi-use card payment mechanism to pay is characterized in that: have a deciphering module in the payment background system that the holder pays the bank card cipher-text information is decrypted.
14. a kind of method that adopts the multi-use card payment mechanism to pay according to claim 9 is characterized in that: the described bank card information that is stored in the described device comprises magnetic track information.
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| CN2009101947972A CN102005087A (en) | 2009-08-28 | 2009-08-28 | Multi-bank-card-in-one device and method for payment by using same |
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| CN102509219A (en) * | 2011-11-21 | 2012-06-20 | 快钱支付清算信息有限公司 | Online payment method and system |
| CN103177360A (en) * | 2011-12-21 | 2013-06-26 | 中国银联股份有限公司 | Paying system and method based on unified personal information |
| CN104182874A (en) * | 2014-08-12 | 2014-12-03 | 北京橙鑫数据科技有限公司 | All-purpose card device, all-purpose card system and card information loading method |
| CN104658133A (en) * | 2015-02-13 | 2015-05-27 | 深圳支付界科技有限公司 | Automatic settlement method and system |
| CN104809613A (en) * | 2015-05-19 | 2015-07-29 | 王小安 | One-card multi-account financial IC (integrated circuit) card |
| CN104933611A (en) * | 2015-06-23 | 2015-09-23 | 上海众人科技有限公司 | System and method for quickly realizing on-line transaction |
| CN105303370A (en) * | 2014-07-15 | 2016-02-03 | 中国银联股份有限公司 | Family payment router and payment method based on same |
| CN105719391A (en) * | 2016-01-10 | 2016-06-29 | 深圳市可秉资产管理合伙企业（有限合伙） | Mobile device supporting multiple payment cards and method |
| WO2016124032A1 (en) * | 2015-02-03 | 2016-08-11 | 天地融科技股份有限公司 | Data exchange method |
| CN105991528A (en) * | 2014-11-07 | 2016-10-05 | 天地融科技股份有限公司 | Data interaction method |
| CN105991538A (en) * | 2014-11-07 | 2016-10-05 | 天地融科技股份有限公司 | Data interaction method and system |
| CN106204047A (en) * | 2016-06-30 | 2016-12-07 | 成都生辉电子科技有限公司 | A kind of mobile terminal payment device |
| CN106558157A (en) * | 2015-09-30 | 2017-04-05 | 深圳市泰金田科技有限公司 | A kind of POS card-punching system information processing method and intelligent terminal's application program |
| CN106875175A (en) * | 2016-06-28 | 2017-06-20 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus for being easy to pay main body expansion |
| CN112508159A (en) * | 2020-12-22 | 2021-03-16 | 楚天龙股份有限公司 | Information conversion method for quickly converting information and smart card |
| CN113723121A (en) * | 2021-09-03 | 2021-11-30 | 中国工商银行股份有限公司 | Card making information generation method and device for composite card |
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| CN102509219A (en) * | 2011-11-21 | 2012-06-20 | 快钱支付清算信息有限公司 | Online payment method and system |
| CN103177360A (en) * | 2011-12-21 | 2013-06-26 | 中国银联股份有限公司 | Paying system and method based on unified personal information |
| CN105303370A (en) * | 2014-07-15 | 2016-02-03 | 中国银联股份有限公司 | Family payment router and payment method based on same |
| CN105303370B (en) * | 2014-07-15 | 2019-08-09 | 中国银联股份有限公司 | A kind of family's payment router and the method for payment based on it |
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| CN105991538A (en) * | 2014-11-07 | 2016-10-05 | 天地融科技股份有限公司 | Data interaction method and system |
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| CN104658133A (en) * | 2015-02-13 | 2015-05-27 | 深圳支付界科技有限公司 | Automatic settlement method and system |
| CN104809613A (en) * | 2015-05-19 | 2015-07-29 | 王小安 | One-card multi-account financial IC (integrated circuit) card |
| CN104933611A (en) * | 2015-06-23 | 2015-09-23 | 上海众人科技有限公司 | System and method for quickly realizing on-line transaction |
| CN106558157B (en) * | 2015-09-30 | 2018-11-27 | 深圳市泰金田科技有限公司 | A kind of POS machine card-punching system information processing method and intelligent terminal application program |
| CN106558157A (en) * | 2015-09-30 | 2017-04-05 | 深圳市泰金田科技有限公司 | A kind of POS card-punching system information processing method and intelligent terminal's application program |
| CN105719391A (en) * | 2016-01-10 | 2016-06-29 | 深圳市可秉资产管理合伙企业（有限合伙） | Mobile device supporting multiple payment cards and method |
| CN106875175A (en) * | 2016-06-28 | 2017-06-20 | 阿里巴巴集团控股有限公司 | A kind of method and apparatus for being easy to pay main body expansion |
| CN106875175B (en) * | 2016-06-28 | 2020-07-24 | 阿里巴巴集团控股有限公司 | Method and device convenient for payment subject expansion |
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| CN106204047A (en) * | 2016-06-30 | 2016-12-07 | 成都生辉电子科技有限公司 | A kind of mobile terminal payment device |
| CN112508159A (en) * | 2020-12-22 | 2021-03-16 | 楚天龙股份有限公司 | Information conversion method for quickly converting information and smart card |
| CN113723121A (en) * | 2021-09-03 | 2021-11-30 | 中国工商银行股份有限公司 | Card making information generation method and device for composite card |
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