The invention discloses a magnetic stripe contactless double-mode
payment device and method based on a television terminal and a remote controller. The magnetic stripe contactless double-mode
payment device comprises a
digital television set-top box
client side, a remote controller, a network and an electronic
payment system of a
bank; a contactless NFC card reading area and a
magnetic stripe card slot are arranged on the remote controller; the magnetic stripe contactless double-mode payment device comprises a contactless NFC card reading module, a
magnetic stripe card reading module, a card reading magnetic head security
encryption module, an information packet security
encryption module, a keyboard digital key value
mode switching module, a keyboard module, a micro-processor, an
infrared communication module and a
Bluetooth communication module; the micro-processor adopts a double-processor module according with PBOC3.0 electronic payment standards; and a
financial security control detected through the card detection centre of people's
bank of china is also adopted. By means of the method, security electronic payment of users is realized through magnetic head security
encryption and information packet security encryption. The magnetic stripe contactless double-mode payment device and method based on the television terminal and the remote controller have the advantages that: two reading
modes including contactless NFC and magnetic strip card information can be adopted; due to security encryption, the fact that one device has one
password is ensured; standard requirements of national PBOC3.0 on an intelligent card terminal are satisfied; and full offline electronic payment of financial cards is realized.