WO2009132475A1 - A home network bank paying terminal used for both ic cards and atm credit cards - Google Patents

Abstract

A home network bank paying terminal used for both IC cards and ATM credit cards includes a central processing unit, a magnetic card reading circuit unit and a RFIC card reading circuit unit. The central processing unit includes a central microprocessor and an Ethernet interface circuit, and the Ethernet interface circuit is connected with the central microprocessor. The magnetic card reading circuit unit and the RFIC card reading circuit unit are respectively connected with the I/O interfaces of the central microprocessor.

Description

 Networked family bank IC card and ATM credit card dual-purpose settlement terminal

 The invention relates to a "networked family bank IC card and ATM credit card dual-purpose settlement terminal", referred to as: a family bank settlement terminal. Specifically, it is applicable to RFIC cards (referred to as: bank IC cards), ISO/IEC14443A&B and ISO/IEC15693 standard RFIC cards, bank magnetic stripe ATM credit cards, and PBOC 2.0 standards that can be accepted by the Bank in accordance with the PBOC 2.0 standards promulgated by the Bank of China. A home settlement terminal for an integrated card of an RFIC card and a bank magnetic stripe card. The family bank settlement terminal can also carry out digital certification of the second generation ID card of Chinese citizens. Background technique

 Family banks can be broadly divided into telephone banking, video terminal, home banking, etc. Currently, telephone banking is the mainstay of Telephone Banking. The business handled by the family bank generally has the following types: • payment of utility fees, credit card payment and purchase payment, etc.; • transfer of funds between different accounts; • account details inquiry; • financial information inquiry. Since the mid-1990s, with the gradual popularization of the Internet and the Internet as a service channel, home users can access a variety of banking products and services by visiting the bank's website.

 At present, the internationally accepted smart chip card standard is EMV, which is the smart card financial payment application standard established by the three international credit card organizations Europay, Mas-terCard and VISA. Although some European and Asian regions have adopted the EMV standard bank IC card, due to the long-term development of China's bank card industry and the security of financial payment, China has insisted on formulating and promulgating a new version of China's financial integrated circuit (IC) card specification. ", the standard can be said to be China's own 'EMV' standard (financial IC card - PBOC 2.0).

 At present, China Industrial and Commercial Bank of China has issued a RMB credit IC card that complies with the PBOC 2.0 standard, and has actively and steadily promoted the pilot application of the bank IC card multi-function card. The current development of bank IC card settlement terminals that can accept PBOC2.0 standards requires a large number of existing magnetic stripe card commercial POS machines and ATM ATMs, which is one of the key tasks for advancing the Bank of China EMV migration plan.

 The present invention is to adapt to the PBOC 2.0 specification and the current market situation, and proposes a "networked home banking IC card and ATM credit card dual-purpose settlement terminal" for home multi-function applications. Summary of the invention

 The invention provides a kind of PBOC2.0 standard silver for accepting the EMV migration plan of the Bank of China.

1

- Confirmation The settlement side of the dual-use networked family bank IC card and ATM credit card for IC card and magnetic strip ATM credit card (referred to as: home bank settlement terminal).

 The technical solution for achieving the object of the present invention is: a networked family bank IC card and an ATM credit card dual-purpose settlement terminal, the settlement terminal includes a core processing unit, a magnetic card reading circuit unit and an RFIC card reading circuit unit; the core processing unit includes a core micro The processor and the Ethernet interface circuit, the Ethernet interface circuit are connected to the core microprocessor; the magnetic card reading circuit unit and the RHC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor.

 The core processing unit further includes a memory (flash, SDRAM) audio circuit (Audio), a display circuit (TFT LCD), a keyboard circuit (Keyboard), a DCPL-Bus interface, and a power supply voltage stabilization circuit.

 The core microprocessor uses an ARM9 or ARM7 series of microcontrollers.

 The magnetic card reading circuit unit is composed of a key 2 micro control circuit and a magnetic card reader.

 The RFIC card read/write circuit unit is composed of a key 1 micro control circuit and a read/write circuit.

 The Ethernet interface circuit may include an Ethernet chip, a transformer, and an RJ45 interface circuit. The Ethernet chip is connected to one end of the transformer, and the other end of the transformer is connected to the RJ45 interface circuit.

 The RJ45 interface circuit of the "home bank settlement terminal" can be connected to an Ethernet or connected to a telephone line through an ADSL modem. At this time, "Home Bank Settlement Terminal" is called "Desktop Terminal".

 The USB interface of the "family bank settlement terminal" can be connected to a personal computer, and the personal computer is connected to the Ethernet. At this time, the "family bank settlement terminal" is called "USB interface type terminal".

 The "family bank settlement terminal" according to the present invention is a dual-purpose settlement terminal capable of performing a networked self-service form of a magnetic strip ATM credit card and a bank IC card for settlement and withdrawal of various banking services in a home. The settlement terminal can perform account information inquiry, transfer, e-wallet withdrawal, levy, bank information release, various settlement fund business settlement, traffic card charging and other services. The withdrawal function of the "family bank settlement terminal" of the present invention is realized as follows: After the credit card ATM card or the bank IC card is used for the "home bank settlement terminal" card and key operation, and the withdrawal information is notified to the bank for confirmation, the The amount information is returned to the "Home Bank Settlement Terminal" on the customer bank IC card, and the "Home Bank Settlement Terminal" check data, and the return information is sent to the bank to confirm the already filled withdrawal amount information. In order to utilize the bank's existing magnetic stripe ATM credit card and bank back-end equipment and management software applications, the "family bank settlement terminal" can apply magnetic stripe ATM credit card, bank IC card, or magnetic strip ATM credit card and bank IC card. Card. The family bank settlement terminal can also carry out the digital certification of the second generation ID card of Chinese citizens.

As a further improvement of the present invention, the "home bank settlement terminal" further includes a wireless communication unit connected to the core microprocessor. The wireless communication unit adopts China's TD-SCDMA broadband wireless communication module, or adopts The WCDMA/CDMA2000/GPRS wireless communication module enables the home bank settlement terminal to communicate with the outside world through wireless communication or Ethernet. At this time, "home bank settlement terminal" is called "wall-mounted terminal".

 As a further improvement of the present invention, the core processing unit further includes a DCPL-Bus interface and an RS-485 interface, and the DCPL-Bus interface and the RS-485 interface are connected with the core microcontroller to provide management and copying of the home water and electric information terminal and Communication interface for home security systems. The DCPL-Bus interface involved in the "Home Bank Settlement Terminal" is described in China 03132268. 9 Invention Patent: "DCPL Fieldbus and Network Prepaid Bridge for Network Smart Metering Terminals" is described in detail. The invention adopts the DCPL-Bus bus working mode to form a bus shared by the two-wire power supply line and the digital communication line. The invention also has the following beneficial effects:

 1. "Home Bank Settlement Terminal" consists of a core processing unit, a magnetic card reader circuit unit, and an RFIC card read/write circuit unit, which constitutes a home bank settlement terminal in the form of a desktop and a USB interface. The desktop home bank settlement terminal can communicate digitally with a telephone line or an Ethernet network through an ADSL modem, and is suitable for banking services of a home user who does not have a personal computer but can perform wired communication in the network; USB interface type home bank settlement terminal, suitable for computer Internet access Family use.

 2. "Home Bank Settlement Terminal" consists of a core processing unit, a magnetic card reader circuit unit, an RFIC card read/write circuit unit and a wireless communication unit, and constitutes a wall-mounted family bank settlement terminal. The wall-mounted family bank settlement terminal can communicate digitally via wireless communication or Ethernet network, and is suitable for banking services in the network that do not accept personal computers for home users. DRAWINGS

 1 is a structural diagram of a circuit of a home bank settlement terminal according to Embodiment 1 of the present invention;

 2 is a structural diagram of a circuit of a home bank settlement terminal according to Embodiment 2 of the present invention;

 3 is a structural diagram of a circuit of a home bank settlement terminal according to Embodiment 3 of the present invention;

 4 is a key node diagram of a communication data of a home bank settlement terminal of the present invention;

 FIG. 5 is a schematic circuit diagram of a magnetic card reading circuit unit according to an embodiment of the present invention;

 6 is a schematic circuit diagram of an RFIC card read/write circuit unit according to an embodiment of the present invention;

 7 is a circuit diagram of an Ethernet interface in Example 1 and Embodiment 2 of the present invention.

Further explanation will be given below in conjunction with the embodiments. Example 1

 Referring to Figure 1, a networked family bank IC card and an ATM credit card dual-purpose settlement terminal, the settlement terminal includes a core processing unit, a magnetic card reading circuit unit, an RFIC card reading circuit unit, and a wireless communication unit. The core processing unit includes a core microprocessor and an Ethernet interface circuit, and the Ethernet interface circuit is coupled to the P1 end of the core microprocessor. The magnetic card reading circuit unit and the RFIC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor.

 The microcontroller in the core processing unit uses the ARM9 core S3C2410 microcontroller, which is a microprocessor for network communication asymmetric data encryption. The wireless communication unit adopts the SU130-DIP module of China's TD-SCDMA mobile communication standard. The core processing unit also includes a memory (flash, SDRAM), an audio circuit (Audio), a display circuit (TFT LCD:), a keyboard circuit (Keyboard), a DCPL-Bus interface, an RS-485 interface, and a power supply voltage stabilization circuit. The memory (flash, SDRAM), the audio circuit (Audio), the display circuit (TFT LCD), the keyboard circuit (Keyboard), the RS-485 interface, and the DCPL-Bus interface are respectively connected to the core microcontroller. The memory circuit (flash, SDRAM audio circuit (audio), display circuit (TFT LCD), keyboard circuit (Keyboard) uses standard prior art circuit combination. DCPL-Bus interface and RS-485 interface provide management and copy of household water and electricity information terminal and Communication interface for home security systems.

 Referring to Figure 4: In the "Home Bank Settlement Terminal" of the present invention, autonomous random dynamic classification multiple encryption technology (ECC, DES) is adopted to perform reliable data security network communication. Among them, the mutual authentication and encryption algorithm is performed between the bank IC card and the dedicated read/write module to form the node 1 encrypted data interaction. A private key micro-control circuit and a core microcontroller perform a data encryption engine to form a node 2 encrypted data interaction. The asymmetric composite data is encrypted between the core microcontroller and the bank settlement computer to form node 3 data encryption network communication and mutual data authentication.

 Referring to Figure 5: "Magnetic Card Reader Circuit Unit" is composed of a key microcontroller Ul, a reset circuit U2, an encrypted memory U3, an ATM magnetic card reader, and peripheral devices. The key microcontroller U1 uses P89LPC936, the encryption memory U3 uses AT88SC1616, the reset circuit U2 uses MAX809, and the Ul, U2, U3 devices are combined into a module structure.

Referring to Figure 6, the "RFIC card read/write circuit unit" is composed of a key micro-controller IC1, a reset circuit IC2, an encrypted memory IC3, a card reader IC4, and peripheral devices. The key microcontroller IC1 adopts P89LPC936, the encryption memory IC3 adopts AT88SC1616, the reset circuit IC2 adopts MAX809, the card reader IC4 adopts FM1725, and the IC1, IC2, IC3, IC4 devices are combined into a module structure. The RFIC card reading and writing circuit unit adopts Shanghai Fudan Microelectronics FM17xx or Beijing Tongfang Microelectronics THM3050; ΤΗΜΙΟχχ series chips. Referring to Figure 7: The Ethernet interface circuit includes an Ethernet chip, a transformer, and an RJ45 interface circuit. The Ethernet interface chip U11 uses DP83848, the crystal drive chip U12 uses CXO7050, the isolation transformer uses J0011D21D, and peripheral components form an Ethernet interface circuit.

 This embodiment is a wall-mounted family bank settlement terminal, which can perform digital communication through wireless communication or an Ethernet network, and is suitable for banking services in a network that does not connect to a personal computer home user. Example 2

 Referring to FIG. 2: a networked family bank IC card and an ATM credit card dual-purpose settlement terminal, the settlement terminal includes a core processing unit, a magnetic card reading circuit unit, and an RFIC card reading circuit unit. The core processing unit includes a core microprocessor and an Ethernet interface circuit, and the Ethernet interface circuit is connected to the P1 end of the core microprocessor. The Ethernet interface circuit is connected to the peripheral ADSL modem. The magnetic card reading circuit unit and the RFIC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor. The microcontroller in the core processing unit uses the ARM7 core LPC23XX series microcontroller. The core processing unit also includes a memory circuit (flash, SDRAM), an audio circuit (Audio), a display circuit (TFT LCD), and a keyboard circuit, which are circuit combinations using standard prior art.

 This embodiment is a desktop home bank settlement terminal, which can perform digital communication with a telephone line or an Ethernet network through an ADSL modem, and is suitable for a banking service of a home user who does not have a personal computer but can perform wired communication. Example 3

 Referring to FIG. 3: The difference between this embodiment and the above example is that a USB interface circuit is used to form a USB interface type home bank settlement terminal. The microcontroller in the core processing unit uses the ARM7 core LPC214X. series of microcontrollers. The core processing unit also has a memory circuit (flash, SDRAM), a buzzer circuit, and a light-emitting display circuit (LED), which are circuit combinations using standard prior art.

 The RFIC card reading and writing circuit is based on Shanghai Fudan Microelectronics FM17xx or Beijing Tongfang Microelectronics THM3050; Key 1 Micro Control Circuit and Key 2 The microprocessor in the micro control circuit uses a low power 80C51 system 歹 U CPU.

 This embodiment is a USB interface type home bank settlement terminal, and the USB interface is connected to a peripheral personal computer. Suitable for home use on computers.

Claims

Rights request A networked family bank IC card and ATM credit card dual-purpose settlement terminal, characterized in that the settlement terminal comprises a core processing unit, a magnetic card reading circuit unit and an RFIC card reading circuit unit; the core processing unit comprises a core micro processing The Ethernet interface circuit is connected to the core microprocessor; the magnetic card reading circuit unit and the RFIC card reading circuit unit are respectively connected to the I/O interface of the core microprocessor.  2. The settlement terminal according to claim 1, wherein the Ethernet interface circuit comprises an Ethernet chip, a transformer and an RJ45 interface circuit, wherein the Ethernet chip is connected to one end of the transformer, and the other end of the transformer is connected to the RJ45 interface circuit.  The settlement terminal according to claim 1, wherein the core processing unit is provided with an Ethernet interface circuit and a USB interface circuit.  The settlement terminal according to claim 1, wherein the settlement terminal further comprises a wireless communication unit, and the wireless communication unit is connected to the core microprocessor for wireless communication of the settlement terminal.  The settlement terminal according to claim 1, wherein the RFIC card read/write circuit unit is composed of an IC1 key micro controller, an IC2 reset circuit, an IC3 encryption memory, an IC4 card reader, and peripheral devices; IC1 key microcontroller adopts P89LPC936, IC3 encryption memory adopts AT88SC1616, IC2 reset circuit adopts MAX809, IC4 card reader adopts FM1725, and IC1 key microcontroller, IC2 reset circuit, IC3 encryption memory, IC4 read and write The card device devices are combined into a module structure.  The settlement terminal according to claim 1, wherein the magnetic card reading circuit unit is composed of a U1 key micro controller, a U2 reset circuit, a U3 encryption memory, an ATM magnetic card card reader, and peripheral devices; U1 key microcontroller adopts P89LPC936, U3 encryption memory adopts AT88SC1616, U2 reset circuit adopts MAX809, and combines U1 key microcontroller, U2 reset circuit and U3 encryption memory device into module structure.  7. The settlement terminal according to claim 1, wherein the core processing unit further comprises a memory, an audio circuit, a display circuit, a keyboard circuit, a DCPL-Bus interface, and a power voltage stabilization circuit.  8. The settlement terminal according to claim 1, wherein said core microprocessor employs an ARM9 or ARM7 series of microcontrollers. 9. The settlement terminal according to claim 1, wherein the settlement terminal adopts autonomous random dynamic classification multiple encryption technology combination to perform data security network communication; wherein the bank IC card and the dedicated read/write module perform Three mutual authentication and encryption algorithms form a first node encrypted data interaction, a private key micro-control circuit and a core microcontroller perform a data encryption engine to form a second node encrypted data interaction; The asymmetric composite data is encrypted between the controller and the bank settlement computer to form a third node data encryption network communication and mutual data authentication.