CN103337117A

Movatterモバイル変換

Info

Publication number: CN103337117A
Application number: CN2012103106028A
Authority: CN
Inventors: 苏辉东; 邱琦; 闵晓琼
Original assignee: SHANGHAI F-ROAD COMMERCIAL SERVICES Co Ltd
Current assignee: SHANGHAI F-ROAD COMMERCIAL SERVICES Co Ltd
Priority date: 2012-08-28
Filing date: 2012-08-28
Publication date: 2013-10-02

Abstract

The invention provides a mobile card-swiping terminal, which at least comprises a master controller, a read-write card module used for reading card information, a display screen used for displaying card transaction information, a password keyboard used for inputting the password of the card, a safety chip which stores a secret key and is used for encrypting the card information and the card password via the secret key, an audio frequency conversion module used for converting the encrypted card information and card password into audio frequency signals as well as converting the audio frequency signals received from a consumption terminal into the control instructions to be recognized by the mobile card-swiping terminal, and an audio frequency interface used for realizing the communication between the mobile card-swiping terminal and the consumption terminal, wherein the read-write card module comprises a magnetic strip card read-write unit used for reading the information of the magnetic strip card and/or an IC card read-write unit used for reading the information of the IC card. The mobile card-swiping terminal provided by the invention can read bank cards and IC cards and connect the mobile card-swiping terminal with the consumption terminal, thereby allowing consumers to swipe card for payment at anytime anywhere.

Description

A kind of movement terminal of swiping the card

Technical field

The present invention relates to pay by mails technical field, particularly relate to a kind of movement terminal of swiping the card.

Background technology

Along with the progress of science and technology, people's consumption means change payment, the Web bank payment etc. of swiping the card of POS machine into from means of payment such as initial cash, checks, for people provide consumption pattern easily.Current, the POS machine is widespread usage in consumption occasions such as each emporium, and the POS machine has very strong advantage aspect security, and the consumer can directly pay to the product of buying by the form of swiping the card.Yet when the consumer paid by swiping the card, the most important condition was can swipe the card just now on the ground that the POS machine is arranged, and this has just caused restriction to consumer's payment, can't satisfy the demand of convenience for users.

On the other hand, the universal and communication network of mobile phone makes the user expect to use easily mobile phone to carry out individual's payment to the development of two-forty, high bandwidth.Yet present mobile phone can't directly read magnetic stripe card information, is a trouble and personal account information will be input in the mobile phone, for example needs to use keyboard or touch-screen manual input credit or debit card number of the account and other related data.

In using based on the Mobile banking of mobile phone, E-Payment, ecommerce etc., take the mode of mobile phone and bank card binding mostly, do not have the function of swiping the card as required, the safety of data was also very important during these were used simultaneously, existing these modes of using many employing passwords or document certificate based on mobile phone guarantee safety, not very reliable aspect security, can not show a candle to and adopt hardware to carry out the safe of key storage.

Therefore we need a kind of terminal of swiping the card, and this terminal of swiping the card can be used together with mobile phone, and the consumer can carry and can realize immediately payment easily namely.

Summary of the invention

The shortcoming of prior art in view of the above the object of the present invention is to provide a kind of movement terminal of swiping the card, and is used for solving can not the swipe the card problem of payment of prior art whenever and wherever possible.

Reach other relevant purposes for achieving the above object, the invention provides a kind of movement terminal of swiping the card, comprise at least: master controller; The read-write card module links to each other with described master controller, is used for reading card information; Display screen links to each other with described master controller, is used for showing the card Transaction Information; Code keypad links to each other with described master controller, is used for the input card password; The safety chip that has key links to each other with described master controller, is used for card information and clip pin are encrypted by key; Audio conversion module links to each other with described safety chip, and the card information after being used for encrypting and clip pin are converted to sound signal for consumption terminal identification and will be converted to the swipe the card steering order of terminal recognition of the described movement of confession from the sound signal that consumption terminal receives; Audio interface, the earphone interface with audio conversion module and consumption terminal links to each other respectively, is used for realizing the communication of mobile swipe the card terminal and consumption terminal.

Alternatively, described read-write card module comprises be used to the magnetic stripe card read-write cell that reads magnetic stripe card information and/or for the IC-card read-write cell that reads IC-card information.

Alternatively, described magnetic stripe card read-write cell comprises swipe the card groove and the card read head for ID that is arranged in the groove of swiping the card.

Alternatively, also comprise with described safety chip the NFC communication module and the antenna that links to each other with described NFC communication module that links to each other, is used for near-field communication.

Alternatively, described audio conversion module comprises D/A converter and A/D converter.

Alternatively, the size of described audio interface is 2.5mm or 3.5mm.

Alternatively, described master controller is central processor CPU or microprocessor.

Alternatively, described consumption terminal is mobile phone, panel computer, PC or PDA.

As mentioned above, a kind of movement of the present invention terminal of swiping the card has following beneficial effect:

1, the movement of the present invention terminal of swiping the card can read bank card and IC-card, and the mobile terminal of swiping the card is linked to each other with consumption terminals such as mobile phone, panel computer, PC or PDA, realize the purpose that the consumer can swipe the card and pay whenever and wherever possible, improved the convenience of consumption and payment.

2, the earphone interface of the present invention by audio interface and consumption terminal is connected, the feasible movement terminal of swiping the card can be easy to be connected with consumption terminal, and is functions such as the bank in the consumption terminal uses, pays financial application and Taobao, Sunings such as application, E-business applications and electronic wallet application by mails, purchases by group etc. that shopping application provides that bank card is swiped the card, secret key safety storage, data encryption and authentication.

3, the movement of the present invention terminal configuration of swiping the card has password key and display screen, and be provided with safety chip to bank cipher, magnetic stripe card information etc. is carried out safety encipher, do not need by the input number of the account of the button in the consumption terminal and password, the risk of having avoided consumption terminal embedded software PI virus to bring for bank card or IC-card has significantly improved the bank card security of payment.

4, the movement of the present invention terminal structure of swiping the card is small and exquisite, is easy to carry.

Description of drawings

Fig. 1 is shown as the swipe the card structural representation of embodiment one of terminal of a kind of movement of the present invention.

Fig. 2 is shown as the swipe the card external structure synoptic diagram of terminal of movement of the present invention.

Fig. 3 is shown as the movement of the present invention synoptic diagram of terminal when carrying out financial transaction of swiping the card.

Fig. 4 is shown as the movement of the present invention synoptic diagram of terminal when carrying out remote payment of swiping the card.

Fig. 5 is shown as the swipe the card structural representation of embodiment two of terminal of a kind of movement of the present invention.

Fig. 6 is shown as the movement of the present invention terminal of swiping the card and is carrying out the near field synoptic diagram in when payment.

The element numbers explanation

1 moves the terminal of swiping the card

10 read-write card modules

101 magnetic stripe card read-write cells

102 IC-card read-write cells

11 master controllers

12 code keypads

13 display screens

14 safety chips

15 audio conversion modules

16 audio interface

17 NFC communication modules

18 antennas

2 consumption terminals

3 bank servers

4 users

5 supply of commodities side's servers

6 near field payment devices

Embodiment

Below by particular specific embodiment explanation embodiments of the present invention, person skilled in the art scholar can understand other advantages of the present invention and effect easily by the disclosed content of this instructions.

Notice, the appended graphic structure that illustrates of this instructions, ratio, size etc., equal contents in order to cooperate instructions to disclose only, understand and reading for person skilled in the art scholar, be not in order to limit the enforceable qualifications of the present invention, so technical essential meaning of tool not, the adjustment of the modification of any structure, the change of proportionate relationship or size, not influencing under the effect that the present invention can produce and the purpose that can reach, all should still drop on disclosed technology contents and get in the scope that can contain.Simultaneously, quote in this instructions as " on ", D score, " left side ", " right side ", " centre " reach the term of " " etc., also only for ease of understanding of narrating, but not in order to limit the enforceable scope of the present invention, the change of its relativeness or adjustment, under no essence change technology contents, when also being considered as the enforceable category of the present invention.

In using based on the Mobile banking of mobile phone, E-Payment, ecommerce etc., take the mode of mobile phone and bank card binding mostly, do not have the function of swiping the card as required, the safety of data was also very important during these were used simultaneously, existing these modes of using many employing passwords or document certificate based on mobile phone guarantee safety, not very reliable aspect security, can not show a candle to and adopt hardware to carry out the safe of key storage.Therefore we need a kind of terminal of swiping the card, and this terminal of swiping the card can be used together with mobile phone, and the consumer can carry and can realize immediately payment easily namely.In view of this, the invention provides a kind of movement terminal of swiping the card, be used for solving prior art and be used for solving can not the swipe the card problem of payment of prior art whenever and wherever possible.Below will elaborate a kind of movement of the present invention swipe the card principle and the embodiment of terminal, and make those skilled in the art not need creative work can understand a kind of movement of the present invention terminal of swiping the card.

First embodiment

Describedmaster controller 11 is central processor CPU or microprocessor.

Described read-write card module 10 links to each other with describedmaster controller 11, is used for reading card information; Particularly, in the present embodiment, described read-write card module 10 comprises be used to the magnetic stripe card read-writecell 101 that reads magnetic stripe card information with for the IC-card read-writecell 102 that reads IC-card information.

Magnetic stripe card is to be information carrier with liquid magnetic material or magnetic stripe, the liquid magnetic material is coated in (as bankbook) on the card or the magnetic stripe of wide about 614mm is overlayed on card, as common bank card.IC-card (Integrated Circuit Card, integrated circuit card), some countries and regions also claims smart card (smart card), smart card (intelligent card), microcircuit card (microcircuit card) or chip card etc., it is a microelectronic chip to be embedded meet in the card base of ISO 7816 standards, make card form, as common charges for water and electricity pay the fees card, dinning card, medical card, attendance card etc.

The profile of IC-card is similar to magnetic stripe card, and it is that with the difference of magnetic stripe card the medium of data storage are different.Magnetic stripe card is to store information by the changes of magnetic field of blocking magnetic stripe, and IC-card is to come storing data information by the electric erasing type programmable read only memory integrated circuit (IC) chip that embeds in the card.

Read-writecard module 10 among the present invention can read bank card, also can read IC-card.When reading bank card, owing on the general bank card magnetic stripe is arranged, when using the bank card payment, need brush bank card, so in the present invention, described magnetic stripe card read-writecell 101 comprises swipe the card groove and the card read head for ID that is arranged in the described groove of swiping the card.After brushing in described bank card is being swiped the card groove, the Card Reader in the described groove of swiping the card can read the card information of described bank card.Described magnetic stripe card reading unit is transferred to this card information in themaster controller 11 after getting access to card information.Because the movement among the present invention is swiped thecard terminal 1 be connect withconsumption terminal 2 after, the payment of swiping the card again, be to swipe the card conveniently, the described groove of swiping the card should be arranged on away from the described movement junction ofterminal 1 andconsumption terminal 2 of swiping the card, and preferably is arranged on the periphery of themobile terminal 1 of swiping the card.

Movement of the present invention is swiped thecard terminal 1 when reading IC-card, described IC-card is attached to or near the swipe the card surface ofterminal 1 of described movement, IC-card read-writecell 102 so that described movement is swiped the card in theterminal 1 is sensed described IC-card, after described IC-card read-writecell 102 is sensed described IC-card, just can read the card information of described IC-card.After described IC-card read-writecell 102 reads the card information of IC-card, this card information can be transferred in themaster controller 11.

As shown in Figure 2, be shown as the swipe the card external structure synoptic diagram ofterminal 1 of movement of the present invention.The present invention is in order to guarantee the security of payment of swiping the card, avoid the risk that may be intercepted and captured password by the illegal software on theconsumption terminal 2 or virus that causes byconsumption terminal 2 keyboards inputs password, the movement of thepresent invention terminal 1 self-cipher keyboard 12 of swiping the card, simultaneously in order to reduce in the process of exchange of swiping the card the dependence ofconsumption terminal 2, the movement of thepresent invention terminal 1 of swiping the card also carriesdisplay screen 13.

Describeddisplay screen 13 links to each other with describedmaster controller 11, is used for showing the card Transaction Information.When using movement of the present invention to swipe thecard terminal 1, any information in the operating process can be shown to the user bydisplay screen 13, for example information, the information of the success of swiping the card, the information of password mistake and the information of Fail Transaction etc. of prompting input password.

Owing to show that 13 link to each other withmaster controller 11, describeddisplay screen 13 also can be touch display screen in addition, has demonstrations, touches and send the function that instruction andreplacement code keypad 12 are imported passwords.Touch display screen is formed by touching detection part and touch controller; Touch the screen front that detection part is installed in touch display screen, for detection of user touch location, be sent to touch controller after the acceptance; And the main effect of touch controller is to detect touch display screen from the touch point to receive touch information, and converts it to contact coordinate, givesmaster controller 11 again, and its can receive the order thatmaster controller 11 sends simultaneously and be carried out.

Describedcode keypad 12 links to each other with describedmaster controller 11, is used for the input card password.Particularly, describedcode keypad 12 comprises numerical key and function key; Described numerical key comprises the 10 numeric keys that can import 0 ~ 90 numeral respectively; Described function keyboard comprises for the back spacer of the password of deletion input, is used for the acknowledgement key that cancellation is imported the cancel key of password and is used for confirming submitting to the password of input.The describedmovement terminal 1 of swiping the card can be carried out the input of password at brush after the bank card bycode keypad 12, do not need by the input number of the account of the button in theconsumption terminal 2 and password, the risk of having avoidedconsumption terminal 2 embedded software PIs virus to bring for bank card or IC-card has significantly improved the bank card security of payment.

Describedsafety chip 14 has key, has the safety certification function, and describedsafety chip 14 links to each other with describedmaster controller 11, is used for card information and clip pin are carried out authenticated encryption by key.After the accounts information that obtains bank card by the read-write card module 10 of swiping the card and the password bycode keypad 12 input bank cards, describedmaster controller 11 just can receive bank card information and bank card password, simultaneously describedmaster controller 11 can be transferred to this bank card information and bank card password in the describedsafety chip 14 so that bank card information and password are encrypted, and guarantees that this bank card information and password can not be stolen.

Described safety chip 14 is exactly the trusted console module, it is a device that can independently carry out key generation, encryption and decryption, inside has separate processor and storage unit, but storage key and characteristic are encrypted and Security Authentication Service for the mobile terminal 1 of swiping the card provides.Be encrypted with safety chip 14, key is stored in the hardware, and stolen data can't be deciphered, thereby protects the data security of commercial privacy and card.And reach 2048 most in the key length kind of safety chip 14 supports, and this means and will untie the data that this safety chip 14 transfers out, must crack 2048 passwords.So the encryption through safety chip 14 has effectively guaranteed the security of card information and clip pin.Described safety chip 14 roles are equivalent to one " safety cabinet ", most important code data all is stored in the safety chip 14, safety chip 14 logical buses and master controller 11 communicate, principle according to safety chip 14, the computing of encryption and decryption is finished in safety chip 14 inside, and just the result is outputed to the upper strata, the chance of having avoided password to be cracked.Safety chip of the present invention 14 is inner integrated multiple high-speed hardware enciphering algorithm module, encrypting step is realized by the proprietary encryption algoritic module, is made the speed of data encryption a qualitative leap be arranged up to 25MB/s.

The algorithm that adopts key to be encrypted atsafety chip 14 of the present invention comprises symmetric cryptographic algorithm, asymmetric cryptographic algorithm and hash algorithm, supports other cryptographic algorithms such as SM1, SM2, SM3, SM4,3DES, RSA simultaneously.In addition,safety chip 14 of the present invention adopts anti-tamper design, is equipped with unique sequence number, can prevent SEMA/DEMA, SPA/DPA, DFA and sequential attack.

Safety chip 14 among the present invention simultaneously can arrange multiple detecting sensor: high pressure and low pressure sensor, frequency sensor, wave filter, pulse transducer, temperature sensor etc., has the sensor life-time test function, in case andsafety chip 14 detects illegal detection, inner self-destroying function will be started, describedsafety chip 14 can also adopt bus encryption, has the metallic shield protective layer, detects internal data self-destruction behind the external attack.

Movement of the present invention is swiped thecard terminal 1 inside by thissafety chip 14 of configuration, be transferred to again in theconsumption terminal 2 after the card information that obtains and clip pin be encrypted, be difficult in theconsumption terminal 2 crack encrypted information, so the present invention has effectively ensured the security of payment of swiping the card.

In addition, thesafety chip 14 among the present invention also has the function of safety certification, for example to user's authentication.Authentication is to confirm the process of operator's identity and the solution that produces in network.All information comprise that user's identity information all represents that with one group of specific data computing machine or mobile phone can only be identified user's digital identity in the network world, and all mandates to the user also are the mandates at the number identity.How to guarantee that with the operator that digital identity is operated be exactly this digital identity lawful owner, that is to say that the physical identity that guarantees the operator is corresponding with digital identity, authentication is exactly in order to address this problem.

Can store the data relevant with user identity in the IC-card, the IC-card authentication is can be by not counterfeit by the not reproducible user identity that guarantees of IC-card hardware, yet because the data that read from IC-card are static at every turn, still be easy to be truncated to user's authentication information by technology such as internal memory scanning or network monitorings, so still have potential safety hazard.But use movement of the present invention to swipe thecard terminal 1 when carrying out authentication, just can efficiently protect the safety of authentication information.IC-card is carried by validated user, IC-card is inserted the movement of thepresent invention terminal 1 of swiping the card whenconsumption terminal 2 needs identity verification and reads wherein information, by sending toconsumption terminal 2 after 14 pairs of information encryptions of reading of safety chip with checking user's identity.

Consumption terminal 2 all disposes earphone jack, the present invention is in order to make the terminal of swiping the card more convenient with being connected ofconsumption terminal 2, swipe thecard terminal 1 of feasible movement links to each other withconsumption terminal 2 by this earphone jack, and the described like this terminal of swiping the card can be easy to be connected with consumption terminal 2.By the describedaudio interface 16 that matches with the earphone jack ofconsumption terminal 2 of configuration, make described terminal and the describedconsumption terminal 2 of swiping the card couple together among the present invention.Describedaudio interface 16 can realize the communication of mobile swipe thecard terminal 1 and consumption terminal 2.According to the size of the earphone jack ofconsumption terminal 2, the size of describedaudio interface 16 is 2.5mm or 3.5mm, more than theaudio interface 16 of two kinds of sizes all be that size with the earphone jack of common standard configuration matches.

Move being connected as can be seen of swipe thecard terminal 1 andconsumption terminal 2 by the above, the movement of thepresent invention terminal 1 of swiping the card is carried out communication by sound signal and described consumption terminal 2.So also includeaudio conversion module 15 in the present invention, describedaudio conversion module 15 links to each other with describedsafety chip 14 with describedaudio interface 16 respectively, and the card information after being used for encrypting and clip pin are converted to sound signal and the sound signal thatconsumption terminal 2 sends is converted to for the described movement steering order thatterminal 1 identifies of swiping the card.

Particularly, describedaudio conversion module 15 comprises D/A converter and A/D converter.Card information after described D/A converter is used for encrypting and clip pin are converted to sound signal and receive identification forconsumption terminal 2, described A/D converter is used for the sound signal thatconsumption terminal 2 sends is converted to for the swipe the card steering order ofterminal 1 identification of described movement and is transferred tomaster controller 11, mutually should steering order for described primary controller.

For making those skilled in the art further understand the movement of thepresent invention terminal 1 of swiping the card, below will be with the brush bank card,consumption terminal 2 is that example describes the swipe the card use step ofterminal 1 of movement of the present invention in detail for mobile phone.

When using movement of the present invention to swipe thecard terminal 1, should install in theconsumption terminal 2 and dispose bank and use, pay by mails application, E-business applications or electronic wallet application and step on.When stating each in the use and use needing payment, just pay by the movement of thepresent invention terminal 1 of swiping the card.

As shown in Figure 3, be shown as the movement of the present invention synoptic diagram ofterminal 1 when carrying out financial transaction of swiping the card.

1, financial transaction:user 4 is by consumption terminal 2(mobile phone) enter bank and use, pay by mails and use, financial application such as E-business applications or electronic wallet application, select relevant financial transaction, import relationship trading information on request, after confirming input, bank card by themobile terminal 1 oneself of swiping the card, import bank card password (display screen 13 can show relevant prompting) at thecode keypad 12 of themobile terminal 1 of swiping the card then, mobile swipe thecard terminal 1 can with bank card information and password by 14 encryptions of built-in safety chip after, send to financial application in the mobile phone byaudio interface 16, financial application is sent tobank server 3 after with all information package and finishes corresponding transaction processing, and mobile phone is connected withbank server 3 by wireless network.According to above use, the movement of thepresent invention terminal 1 of swiping the card can also realize brushing the empty ring manipulation that bank card supplements with money for the stored value card in the mobile phone.

As shown in Figure 4, be shown as the movement of the present invention synoptic diagram ofterminal 1 when carrying out remote payment of swiping the card.

2, remote payment:user 4 is by consumption terminal 2(mobile phone) enter Taobao, Suning, shopping such as purchasing by group uses, select dependent merchandise, after confirming purchasing demand, bank card bymobile terminal 1 brush oneself of swiping the card, import bank card password (display screen 13 can show relevant prompting) at thecode keypad 12 of themobile terminal 1 of swiping the card then, mobile swipe thecard terminal 1 can with bank card information and password by 14 encryptions of built-in safety chip after, sending to shopping byaudio interface 16 uses, shopping is used and will be sent to the transaction processing that bankserver 3 is finished payment after the payment information packing, and transaction results is returned to shopping use, shopping is used and is sent relevant information to supply of commodities side'sserver 5, finishes remote payment and handles.Mobile phone is connected with supply of commodities side'sserver 5 withbank server 3 respectively by wireless network.

Second embodiment

The difference of second embodiment and first embodiment is, in a second embodiment, as shown in Figure 5, the describedmovement terminal 1 of swiping the card also comprises with describedsafety chip 14 theNFC communication module 17 and theantenna 18 that links to each other with describedNFC communication module 17 that links to each other, is used for near-field communication.

The described movement terminal 1 of swiping the card can be finished near field payment by its inner NFC communication module 17.The near field payment refers to that the consumer is when buying commodity or service, IMU is crossed mobile phone and is paid to businessman, the processing of payment is carried out at the scene, and carry out under online, do not need to use the mobile network, and be to use passages such as mobile phone radio frequency (NFC), infrared, bluetooth, the local communication of realization and automatic vending machine and POS machine.So-called NFC(Near Field Communication) being near field communication (NFC), is a kind of contactless identification and interconnection technique, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.NFC provides a kind of solution of simple, touch, can allow user's simple, intuitive ground exchange message, accessed content and service.NFC is a kind of short-range high frequency wireless communication technology, allows to carry out contactless Point-to-Point Data Transmission swap data between the electronic equipment.This technology develops by exempting from contact radio-frequency (RF) identification (RFID), and backward compatible RFID, and being mainly used in provides M2M the communication of (Machine to Machine) in the handheld device such as mobile phone.Because near-field communication has natural security, therefore, the NFC technology is considered to have great application prospect in fields such as mobile-phone payments.

Fig. 6 is shown as the movement of thepresent invention terminal 1 of swiping the card and is carrying out the near field synoptic diagram in when payment.

Below will be with the brush bank card,consumption terminal 2 is that example describes the swipe the card use step of near field payment ofterminal 1 of movement of the present invention in detail for mobile phone.

Near field payment: thesafety chip 14 ofterminal 1 inside is swiped the card in described movement can built-in electronic purse application (PBOC stored value card or other industry applying electronic wallet),antenna 18 in theterminal 1 that describedNFC communication module 17 cooperates and links to each other with describedNFC communication module 17, built-in described movement is swiped the card, can be by NFC induction and near field payment devices 6(POS machine for example) link to each other, finish the near field delivery operation.

In sum, a kind of movement of the present invention terminal of swiping the card has following beneficial effect:

So the present invention has effectively overcome various shortcoming of the prior art and the tool high industrial utilization.

Above-described embodiment is illustrative principle of the present invention and effect thereof only, but not is used for restriction the present invention.Any person skilled in the art scholar all can be under spirit of the present invention and category, and above-described embodiment is modified or changed.Therefore, have in the technical field under such as and know that usually the knowledgeable modifies or changes not breaking away from all equivalences of finishing under disclosed spirit and the technological thought, must be contained by claim of the present invention.

Claims

1. movement terminal of swiping the card is characterized in that, comprises at least:

Master controller;

The read-write card module links to each other with described master controller, is used for reading card information;

Display screen links to each other with described master controller, is used for showing the card Transaction Information;

Code keypad links to each other with described master controller, is used for the input card password;

The safety chip that has key links to each other with described master controller, is used for card information and clip pin are encrypted by key;

Audio conversion module links to each other with described safety chip, and the card information after being used for encrypting and clip pin are converted to sound signal for consumption terminal identification and will be converted to the swipe the card steering order of terminal recognition of the described movement of confession from the sound signal that consumption terminal receives;

Audio interface, the earphone interface with audio conversion module and consumption terminal links to each other respectively, is used for realizing the communication of mobile swipe the card terminal and consumption terminal.

2. the movement according to claim 1 terminal of swiping the card is characterized in that, described read-write card module comprises be used to the magnetic stripe card read-write cell that reads magnetic stripe card information and/or is used for reading the IC-card read-write cell of IC-card information.

3. the movement according to claim 2 terminal of swiping the card is characterized in that, described magnetic stripe card read-write cell comprises swipes the card groove and be arranged on card read head for ID in the groove of swiping the card.

4. the movement according to claim 1 terminal of swiping the card is characterized in that, also comprises with described safety chip the NFC communication module and the antenna that links to each other with described NFC communication module that link to each other, be used for near-field communication.

5. the movement according to claim 1 terminal of swiping the card is characterized in that described audio conversion module comprises D/A converter and A/D converter.

6. the movement according to claim 1 terminal of swiping the card is characterized in that the size of described audio interface is 2.5mm or 3.5mm.

7. the movement according to claim 1 terminal of swiping the card is characterized in that described master controller is central processor CPU or microprocessor.

8. the movement according to claim 1 terminal of swiping the card is characterized in that described consumption terminal is mobile phone, panel computer, PC or PDA.