Magnetic stripe contactless double-mode payment device and method based on television terminal and remote controller

Abstract

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.

Description

technical field [0001] The present invention relates to a remote control device and method, in particular to a magnetic stripe contactless dual-mode payment device and method based on a TV terminal and a remote controller. Background technique [0002] Digital TV is the focus of the development of digital consumer electronic information products in the world, and has become a common focus of radio and television, telecommunications, and Internet operators. At present, most of the digital TV systems have completed two-way digital conversion, and gradually realized the integration of three networks and entered the new media era. [0003] The integrated radio and television operators provide end users with more and newer value-added services, such as video-on-demand, Internet access, data-on-demand, online scenario shopping, and so on. While providing services, electronic payment is the most important technical problem among many problems for radio and television operators. Tr...

AI Technical Summary

Problems solved by technology

Its security controls for financial bank cards, including encryption logic, passwords and encryption algorithms, have not passed the inspection of the Card Security Testing Center of the People's Bank of China after inspection, do not meet the security standards, and cannot guarantee the security of financial data

Moreover, the card reading head is not equipped with a security structure control, which cannot guarantee one machine and one secret, posing a potential risk of being cracked

[0006] 2. The encryption module is solidified into the set-top box through middleware, causing each type of set-top box to be fixed with a different version of the encryption module, which weakens the versatility of the encryption module

[0007] 3. The password input is realized on the TV screen through the option key, which does not meet the standard requirements of the People's Bank of China for the confidentiality and safety of financial equipment, and may easily cause financial data leakage

[0008] 4. Communicate with digital set-top boxes through infrared communication. Encrypted information is easy to be intercepted, the connection distance is short and the sensing range is limited. The infrared transmission characteristics cannot guarantee the one-to-one fixed pairing between the set-top box and the remote control, and cannot guarantee the security of the financial card.

[0009] 5. Not in conformity with the provisions of the PBOC3.0 of the head office of the People's Bank of China

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