CN1682240A - 用于无线便携电话验证的插入式信用卡读出器模块 - Google Patents

用于无线便携电话验证的插入式信用卡读出器模块 Download PDF

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CN1682240A
CN1682240A CNA038221217A CN03822121A CN1682240A CN 1682240 A CN1682240 A CN 1682240A CN A038221217 A CNA038221217 A CN A038221217A CN 03822121 A CN03822121 A CN 03822121A CN 1682240 A CN1682240 A CN 1682240A
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credit card
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肯尼思·史蒂文·贝利
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    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
    • H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
    • H04B1/40—Circuits
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2250/00—Details of telephonic subscriber devices
    • H04M2250/14—Details of telephonic subscriber devices including a card reading device

Abstract

本发明描述了用于将标准的消费者手持便携电话转换为手持销售点(POS)信用卡终端的方法，其使用附加模块，其插入在便携电话的底部或外部的RS－232端口上的数据端口内。该模块包括：浇铸的与便携电话的轮廓相符的加强塑料外壳；包含微处理器单元、存储器芯片、I/R接口芯片、I/R二极管的内部印刷电路板；已被修改以减小读出器头的厚度的信用卡读出器头；条形码读出器；电子指纹读出器接口及加密模块芯片。

Description

用于无线便携电话验证的插入式信用卡读出器模块
背景技术
本发明涉及信用卡交易的处理领域，通常，信用卡仅可通过人工将信用卡压印设备滑过信用卡而得以处理，同时被保持在机械设备内，接着将所得到的信用卡信息用电话人工通讯给处理中心的客户服务代表，接着，将在电话上口头叙述的授权码人工记录给处理交易的人。该手续不仅不方便和耗时，而且由于欺诈增加了信用卡公司的损失，及由于日益增长的欺诈的可以认识到的风险而增加了在另外的处理费用领域接受支付的商户的成本。当卡滑过槽并被电子地读时，如大多数百货商场和餐馆中的情形那样，欺诈得以减少，因为使用卡来使购买有效的个人通常在刷卡时在现场。当数量仅被写下而不被电子地读时，信用卡欺诈的情形为接受卡的商户及给予其授权的处理者双方的预计风险。在卡可能适于所收取的量的同时，使用卡号来使购买生效的个人可能不被授权那样做。对于商户，这产生了收费欠款并最终在有争议的信用卡购买及解决这些有争议的收费时的劳动成本方面耗费处理者。
早先的解决该问题的方法最多是拼凑起来的系统，并包括在硬件方面以极大的代价对各种技术进行随便的混合。其中一种解决方案，由公开交易的公司Hypercom开发，包括脱离架式Verifone信用卡读出器的标准及较小的公文包中的传统手持电话包在及运转电池的结合。系统成本大约为每单位$1500元且在客户方便方面不是非常便于携带。尚未发现有公司提供可在按需基础上使用的设备，其仅需将附加模块插入便携电话的外部数据端口，并在没有信用卡交易处理时移去插入式模块。
信用卡数据在空中传输期间被认为处于潜在的盗用或扫描的危险中。Hypercom在目前尚未使用政府许可类型的加密标准加密他们的传输，且没有提供无线电信用卡交易的客户安全。本发明致力于无线电安全的需要，使用政府许可的三倍数字算法加密与数字签名关键信号交换的结合，所有的均被鉴定为与国家安全机构默认标准(National Security Agency Compliance Standard)相符。在此被使得有效的无线电传输公开了实现美国国防部所公知的安全级别的方法，即物理安全级别2，及软件加密级别3。这与大多数使银行间及银行内的传输有效的银行计算机一样安全，并具有与ATM机一样的安全性。
在今天快速发展的世界，计算机处理的效率和速度在任何交易中均是至关重要的，或实质上在财政方面，或仅向用户或客户提供节约时间的优点。早先的使用成对的技术来处理交易的时间，如由Hypercom及其它公司提供的技术，通常包括几乎一分钟来处理一交易。使用在此描述的技术，将每一交易的处理时间减少到几秒。这增加了客户满意度并产生更多的令人满意的产品。
具体实施方式
插入式模块被设计来插入在全球市场上最流行的便携手持电话的外部端口内。内部电路板、组件、设计、固件、软件及运行特征在便携电话的不同制造商之间不会有很大变化，直到涉及最终用户，除了主要由住宿设计组成的外壳将随特定的电话制造商改变以外，其改变是为了与特定的型号及所使用的电话商标相符。电话模块的各个特征将包括加密模块、信用卡读出器头、及用于通信到打印机或p/c以打印收据的红外端口、及用于从印刷材料如杂志、小册子和包装读条形码的条形码读出器、及电子地识别便携电话的用户或正通过信用卡读出器模块的读出器槽刷卡的信用卡用户。
当正常使用便携电话时，信用卡读出器模块可一直保持连接到便携电话的外部数据端口，当然，模块将进入备用模式，以减少便携电话的功耗，直到信用卡读出器模块通过将信用卡滑过其槽而被激活为止。一旦有信用卡刷过信用卡读出器模块的主体，嵌入在信用卡读出器模块内的电路板上的电子元件将进入其唤醒模式并按如下处理信用卡数据：
1)从信用卡磁条道1、2和3读出磁保存的信用卡数据并保存在内部存储器中。
2)使用美国政府认证的T-DES算法将所保存的信用卡数据在微处理器单元内加密。
3)将所加密的卡数据显示在电话单元上显示的L.C.D.上。
4)电话的L.C.D.显示提醒用户输入交易的美元数量并按发送(SEND)键。
5)便携电话单元中的WAP应用程序产生与信用卡处理中心的因特网协议会话(IP会话)并将加密的信用卡数据通过移动电话交换站(MTSO)经从MTSO到处理器设施的专用帧中继链路无线传输给处理器。
6)处理中心使用插入式模块的制造商拥有并运行的服务器计算机解密数据。
7)以通常的方式处理所解密的数据，确定信用卡是否已期满、被窃取、或超越其限制，及核准或拒绝正处理的当前购买的美元数量的交易量。
8)所得到的核准或拒绝使用IP会话协议经进行中的WAP应用程序传输给便携电话模块。
9)来自处理器的结果经WAP应用程序显示在便携电话内的L.C.D.的屏幕上。
10)终止信用卡核准会话，信用卡模块电路回到休眠方式等待随后的另一信用卡交易。
11)通过将模块的红外窗口对准便携式打印机并压下模块上的打印(PRINT)键，所保存的关于先前交易的信息通过红外传输而传输给打印机以向用户或客户发出收据。
12)在描述用于出售的衣服或商品的杂志的情况下，如飞行中的航线杂志，用户或客户可扫描该物品的条形码，其将被保存在附件模块的内部存储器内，并可用于通过刷信用卡以使购买生效并完成交易而进行无线购买。
13)在不知道信用卡用户的身份的情况下，客户可通过或将其磁条式的驾驶执照刷过信用卡槽或使其手指通过附件模块一侧上的指纹读出器镜头的前面而积极地识别他/她自己。
一旦驾驶执照或指纹数据被读和保存，使用上面提及的用于信用卡俘获数据的加密算法加密数据。对所有类型的交易包括但不限于使用信用卡、贷记卡、支票或其它形式的支付验证的电子邮件消息、财务事项及购买及用于在路边支付客运票，这创建了安全的入口。
附图简要说明
图1示出了插入式模块的外部及其连接的便携电话的轮廓。
图2示出了电路板的内部组件定位及模块内腔内的各个部分。
图3示出了从刷卡到授权到完成的一步一步由插入式模块执行的行动的流程图。
图4示出了示例性的商品交易，其从刷卡开始到IP会话到MTSO到卡处理器，通过安全网关经专用帧中继到信用卡核准或拒绝的交易完成点及交易的完成。
图5示出了从开始到结束的加密过程及随后的解密过程。
图6示出了各个机构包括处理中心、结算银行、移动提供商、便携电话的制造商、模块制造商、及信用卡发行代理，它们共享丢失装置、客户抱怨或质询、及各个机构的客户支持的公共数据库。

Claims (1)

  1. 作为市场设备之后的用于任何所制造的便携电话的插入式附加模块，其连接到现有的便携电话，没有修改，其通过标准外部数据端口或经RS-232配置或USB配置进行连接，所述模块包含：
    1)信用卡磁条读出器头；
    2)智能卡插入槽；
    3)条形码读出器设备；
    4)指纹读出器；
    5)IHR(红外)无线打印机接口(标准协议)；
    6)AES型认可的加密模块；
    7)用于数据保持的存储器存储设备；
    8)微处理器单元；
    所述模块连接到信用卡处理中心、零售机构、账单支付中心、或因特网销售机构以使购买生效、支付账单、结清账目及实现财务事项经安全入口的安全传输，或经因特网或经专用网络；该安全连接经移动支撑网络上的IP会话、拨号会话或高空发信号及消息会话实现。
CNA038221217A 2002-07-30 2003-07-24 用于无线便携电话验证的插入式信用卡读出器模块 Pending CN1682240A (zh)

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US10/207,730 US20040104268A1 (en) 2002-07-30 2002-07-30 Plug in credit card reader module for wireless cellular phone verifications
US10/207,730 2002-07-30

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JP (1) JP2006514767A (zh)
KR (1) KR20050039836A (zh)
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AU (1) AU2003263807A1 (zh)
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CN101393665B (zh) * 2007-09-17 2010-12-08 联想(北京)有限公司 一种信用卡解锁方法及装置
CN101373552B (zh) * 2007-08-24 2011-03-09 上海瀚银信息技术有限公司 一种带有智能存储卡插槽的pos机及其应用
CN102460520A (zh) * 2009-05-03 2012-05-16 洛格摩提公司 使用移动通信装置的支付终端，例如移动电话；直接借记支付交易的方法
CN101770670B (zh) * 2009-01-07 2012-05-30 深圳市江波龙电子有限公司 一种支付装置及利用其发卡和实现移动支付的方法
CN102855456A (zh) * 2011-06-17 2013-01-02 林舒惟 读卡器
CN102947838A (zh) * 2010-01-27 2013-02-27 Rem控股3有限责任公司 读卡器设备和使用方法
CN104680369A (zh) * 2009-10-13 2015-06-03 平方股份有限公司 通过小型化读卡器进行金融交易的系统和方法
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