Payment module and payment device

Abstract

The utility model provides a payment module and payment equipment, the payment module comprises a control module circuit board and an expandable module circuit board, the control module circuit board comprises a microcontroller unit, a wireless communication unit and a security encryption unit, the microcontroller unit is in communication connection with the wireless communication unit, the wireless communication unit is used for non-contact communication, and the security encryption unit is used for encrypting the security encryption unit. The microcontroller unit is used for transmitting payment data and is in communication connection with the security encryption unit, and the security encryption unit is used for storing and encrypting the payment data; the expandable module circuit board comprises an antenna unit and at least one external interface, the external interface is used for being connected with external equipment, the antenna unit is connected with the wireless communication unit, and the antenna unit is used for data transmission between the payment module and equipment interacting with the payment module. According to the utility model, a modular design is adopted, the overall development cost is reduced, the development period is shortened, and the system can adapt to various payment scenes and terminal devices.

Description

Technical Field

[0001] The utility model relates to the technical field of payment, and particularly relates to a payment module and a payment device. Background Art

[0002] With the acceleration of the global integration process and the continuous deepening of China's informatization construction, the popularization and expansion of self-service terminals have become an irreversible trend. These devices, with their characteristics of high efficiency, convenience, and self-service, have greatly improved the production and service efficiency of all walks of life. Currently, self-service terminals are beginning to rapidly expand from the banking industry to other fields, and their application scope has expanded to multiple industries and fields such as telecommunications, power, medical care, aviation, and retail. In particular, self-service payment terminals are widely used in various payment scenarios, such as vending machines, ticket machines, inquiry machines, express cabinets, storage cabinets, and self-service payment devices, providing users with a more secure, convenient, and efficient payment experience. Content of the Utility Model

[0003] The utility model provides a payment module and a payment device. The payment module can be applicable to different physical sizes and interface standards of products from different manufacturers, which is conducive to the installation of the payment module and improves compatibility.

[0004] In the first aspect of the utility model, the utility model provides a payment module, which includes a control module circuit board and an expandable module circuit board, wherein:

[0005] The control module circuit board includes a microcontroller unit, a wireless communication unit, and a security encryption unit. The microcontroller unit is communicatively connected to the wireless communication unit. The wireless communication unit is used for non-contact communication to transmit payment data. The microcontroller unit is communicatively connected to the security encryption unit. The security encryption unit is used for the storage and encryption of the payment data;

[0006] The expandable module circuit board includes an antenna unit and at least one external interface. The external interface is used to connect to external devices. The antenna unit is connected to the wireless communication unit. The antenna unit is used for data transmission between the payment module and the devices interacting with the payment module.

[0007] Further, the at least one external interface includes a camera interface. The expandable module circuit board is used to set up a camera. The camera interface is used to connect to the camera. The camera interface is connected to the microcontroller unit;

[0008] And / or, the at least one external interface includes a display screen interface, the expandable module circuit board is used to set up a display screen, the display screen interface is used to connect with the display screen, the display screen interface is connected with the microcontroller unit, and the display screen is used to display payment information.

[0009] Further, the payment module further includes an electromagnetic shielding cover, and the control module circuit board is located in the electromagnetic shielding cover.

[0010] Further, the control module circuit board further includes a filtering unit and a power supply unit interface. The input end of the filtering unit is connected to the power supply unit interface, and the output end of the filtering unit is connected to the microcontroller unit and the wireless communication unit. The filtering unit is at least used to filter out the power frequency interference output by the power supply unit interface.

[0011] Further, the control module circuit board further includes a power isolation unit and / or a voltage stabilizing unit, where:

[0012] The input end of the power isolation unit is connected to the output end of the filtering unit, and the output end of the power isolation unit is connected to the analog power supply end of the wireless communication unit. The power isolation unit is used to attenuate the waveform transmitted to the power supply unit interface when the wireless communication unit starts up.

[0013] The input end of the voltage stabilizing unit is connected to the filtering unit. The first output end of the voltage stabilizing unit is connected to the microcontroller unit, and the second output end of the voltage stabilizing unit is connected to the digital power supply end of the wireless communication unit. The voltage stabilizing unit is used to provide voltage for the microcontroller unit and maintain the stability of the output voltage.

[0014] Further, the external interface includes one or more of an SPI interface, an ADC interface, a PWM interface, a UART interface, and an IIC interface.

[0015] Further, the wireless communication unit at least includes an NFC chip, and the antenna unit at least includes an RF antenna;

[0016] And / or, the security encryption unit at least includes a secure element SE chip;

[0017] And / or, the microcontroller unit is directly connected to the wireless communication unit and directly connected to the security encryption unit;

[0018] And / or, the payment module is a separate modular product.

[0019] Further, the control module circuit board and the expandable module circuit board are connected by one or more of welding, plugging, and cable connection;

[0020] And / or, the expandable module circuit board is formed by splicing multiple circuit boards.

[0021] Furthermore, the control module circuit board or the expandable module circuit board also includes a power supply unit, and the power supply unit at least includes a battery or a power supply unit interface, and the power supply unit is used to supply power to the payment module.

[0022] In a second aspect of the present invention, the present invention provides a payment device, wherein the payment device comprises the payment module described in the first aspect of the present invention.

[0023] The payment module and payment device provided by the utility model adopt a modular design to allow users or developers to flexibly select and combine different functional modules according to actual needs, and can integrate new payment methods, security authentication technologies or user interface elements. By sharing a common control module, the R&D and production costs can be shared among multiple products. When it is necessary to launch new products or upgrade functions, only specific modules need to be replaced or added, thereby reducing the overall development cost and shortening the development cycle. The modular structure makes troubleshooting and maintenance simpler and faster. When a problem occurs in a module, it can be quickly located and replaced to reduce the impact on the overall device. Through reasonable control core board architecture design, pin resource extraction and flexible design of peripheral expansion boards, the payment module can adapt to a variety of payment scenarios and terminal devices. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions of the embodiments of the utility model, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the utility model and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other relevant drawings can be obtained based on these drawings without paying creative work.

[0025] Figure 1 It is a first schematic diagram of the structure of the payment module provided in an embodiment of the utility model;

[0026] Figure 2 This is a second schematic diagram of the structure of the payment module provided by the embodiment of the utility model;

[0027] Figure 3 This is a third schematic diagram of the structure of the payment module provided by the embodiment of the utility model;

[0028] Figure 4 It is a schematic diagram of the structure of a payment device provided in an embodiment of the utility model.

[0029] Description of main component symbols:

[0030] 100. Payment module; 110. Control module circuit board; 111. Microcontroller unit; 112. Wireless communication unit; 113. Security encryption unit; 114. Filter unit; 115. Power supply unit interface; 116. Power isolation unit; 117. Voltage stabilization unit; 120. Expandable module circuit board; 121. External interface; 1211. Camera interface; 1212. Display interface; 122. Antenna unit; 123. Camera; 124. Display; 200. Payment device. Detailed implementation manners

[0031] To make the objectives, technical solutions and advantages of the present utility model clearer, the technical solutions of the present utility model will be further described clearly and completely below in conjunction with the accompanying drawings in the embodiments of the present utility model. It should be noted that the described embodiments are only a part of the embodiments of the present utility model, rather than all of the embodiments. Based on the embodiments of the present utility model, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present utility model.

[0032] In addition, the terms "first" and "second" are only used for descriptive purposes and cannot be construed as indicating or implying relative importance or implicitly specifying the quantity of the indicated technical features. Thus, features defined with "first" and "second" may explicitly or implicitly include one or more of such features. In the description of the present utility model, "a plurality of" means two or more, unless otherwise specifically defined.

[0033] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by those of ordinary skill in the technical field to which this application belongs. The terms used in the specification of the present utility model are only for the purpose of describing specific embodiments and are not intended to limit the present utility model. The term "and / or" used herein includes any and all combinations of one or more of the related listed items.

[0034] Payment terminals often have a payment circuit, which integrates multiple functions such as payment information recognition and processing, encryption and security protection, and payment instruction transmission and confirmation. It can recognize and process payment information from different payment tools (such as mobile phones, smart bracelets, etc.) and transmit this information to the background payment system for processing. In actual production, products from different manufacturers often have different physical sizes and interface standards, and different payment circuits need to be designed for different payment terminals respectively, which results in a long product development cycle and high development cost of payment terminals.

[0035] Embodiment 1

[0036] In view of the above deficiencies of the prior art, an embodiment of the present utility model provides a payment module, which can be applicable to different physical sizes and interface standards of products from different manufacturers. The payment module is easy to install and has good compatibility. Figure 1 is the first schematic diagram of the structure of the payment module provided by the embodiment of the present utility model. As Figure 1 shown, the payment module includes a control module circuit board 110 and an expandable module circuit board 120, where:

[0037] The control module circuit board 110 includes a microcontroller unit 111, a wireless communication unit 112, and a security encryption unit 113. The microcontroller unit 111 is communicatively connected to the wireless communication unit 112. The wireless communication unit 112 is used for non-contact communication to transmit payment data. The microcontroller unit 111 is communicatively connected to the security encryption unit 113. The security encryption unit 113 is used for the storage and encryption of payment data.

[0038] Optionally, the microcontroller unit 111 is directly connected to the wireless communication unit 112, and the microcontroller unit 111 is directly connected to the security encryption unit 113.

[0039] In the embodiment of the present utility model, the microcontroller unit 111 can be one or more of devices such as a single-chip microcomputer, a digital signal processor, and a system-on-chip. The microcontroller unit 111 is responsible for controlling each functional unit in the payment module to work. For example, it is responsible for receiving and processing payment data from the wireless communication unit, and communicating with external devices or servers through appropriate communication interfaces to implement the transmission and processing of payment information. At the same time, the microcontroller unit 111 can adopt a microprocessor device with multiple pin resources, and then design multiple connectors or pin headers on the control module circuit board 110 to lead out most of the pins of the microprocessor device to the expandable module circuit board 120, so as to have more external interfaces for the expandable module circuit board 120 to use.

[0040] Optionally, the wireless communication unit 112 can adopt an NFC chip. The NFC chip communicates with the microcontroller unit 111 through a serial peripheral interface SPI. The NFC chip uses a wireless electric field to realize short-distance communication between the payment module and the payment device, so as to realize the rapid transmission of payment data. The security encryption unit can adopt a security element SE chip. The SE chip is connected to the microcontroller unit 111 through a 7816 interface. The SE chip can perform security processing, security calculation, and security storage on payment data based on its internal security storage and security operation environment, so as to realize functions such as identity authentication, data transmission encryption, and sensitive information protection of the payment module.

[0041] Optionally, the payment module may further include an electromagnetic shielding cover, and the control module circuit board 110 is disposed in the electromagnetic shielding cover, so as to ensure that the control module circuit board 110 is not affected by electromagnetic interference from external devices, and at the same time does not interfere with the normal operation of external devices, ensuring the operation safety of the control module circuit board 110.

[0042] The expandable module circuit board 120 includes an antenna unit 122 and at least one external interface 121. The external interface 121 is used to connect to external devices, and the external devices include but are not limited to devices such as a screen, a speaker, a camera, and a 4G module. The antenna unit 122 is connected to the wireless communication unit 112, and the antenna unit 122 is used for data transmission between the payment module and devices that interact with the payment module.

[0043] Optionally, the external interface 121 includes but is not limited to one or more of an SPI interface, an ADC interface, a PWM interface, a UART interface, and an IIC interface, and can be set according to the actual application scenario. These external interfaces can be connected to the internal interfaces of the control module circuit board 110, so as to be connected to the microcontroller unit 111, the wireless communication unit 112, and the security encryption unit 113. The expandable module circuit board 120 has a peripheral basic circuit. The expandable module circuit board 120 adds corresponding functional modules and devices according to the quantity and functions of the external interfaces for secondary development. The expandable module circuit board 120 is formed by splicing multiple circuit boards. The control module circuit board 110 can be soldered on the expandable module circuit board 120 or connected to the expandable module circuit board 120 through connectors. The expandable module circuit board 120 can cut the circuit boards where each module is located to adapt to and meet the size requirements of different payment devices.

[0044] In the embodiment of the present utility model, the antenna unit 122 adopts an antenna such as an RF antenna that supports short-range wireless communication technology. The RF antenna ensures the smooth progress of payment data communication during the payment process by receiving and sending NFC signals. Since the antenna unit 122 is disposed on the expandable module circuit board 120, the antenna can be more conveniently and precisely designed and adjusted to achieve efficient communication and stable data transmission. For example, the antenna unit 122 can be provided with an LC filter circuit connected to the radio frequency output end of the NFC chip to filter out harmonics and noise higher than 13.56 MHz; in order to make the resonance frequency of the antenna match the operating frequency (13.56 MHz) of NFC communication, resonance matching adjustment is performed by adjusting parameters such as the number of turns, spacing, and capacitor value of the antenna coil.

[0045] As a preferred implementation manner in the embodiment of the present utility model, Figure 2 is the second structural schematic diagram of the payment module provided by the embodiment of the present utility model, as shown in Figure 2As shown in the figure, the external interface 121 can be a camera interface 1211. The expandable module circuit board 120 is provided with a camera 123. The camera 123 is connected to the camera interface 1211, and the camera interface 1211 is connected to the microcontroller unit 111. The camera 123 is used to capture image information to implement various payment methods such as code scanning payment and face recognition payment. Specifically, the microcontroller unit 111 obtains the image scanned by the camera 123 for analysis and simultaneously performs the operations of receiving and paying.

[0046] The external interface 121 can also be a display screen interface 1212. The expandable module circuit board 120 is provided with a display screen 124. The display screen 124 is connected to the display screen interface 1212, and the display screen interface 1212 is connected to the microcontroller unit 111. The display screen 124 is used to display payment information. For example, in QR code payment, the microcontroller unit 111 controls the SE chip to generate and verify the payment information in the QR code, and then generates a payment QR code for display on the display screen 124. The user can scan the payment QR code with an electronic device such as a mobile phone to complete the payment.

[0047] As another preferred embodiment of the present utility model, Figure 3 is the third schematic diagram of the structure of the payment module provided by the embodiment of the present utility model. As Figure 3 shown, the control module circuit board 110 further includes a filtering unit 114 and a power supply unit interface 115. The input end of the filtering unit 114 is connected to the power supply unit interface 115, and the output end of the filtering unit 114 is connected to the microcontroller unit 111 and the wireless communication unit 112. The power supply unit interface 115 is connected to an external power supply to supply power to the payment module, and the filtering unit 114 is used to filter out the power frequency interference output by the power supply unit interface 115.

[0048] The control module circuit board 110 further includes a power isolation unit 116. The input end of the power isolation unit 116 is connected to the output end of the filtering unit 114, and the output end of the power isolation unit 116 is connected to the analog power supply terminal of the wireless communication unit 112. When the NFC chip starts radio frequency communication, radio frequency signals will be generated. In some cases, these radio frequency signals may propagate to other modules through the circuit, causing unnecessary interference. The power isolation unit 116 is used to attenuate the waveform transmitted to the power supply unit interface 115 when the wireless communication unit 112 is started.

[0049] The control module circuit board 110 further includes a voltage stabilizing unit 117. The input end of the voltage stabilizing unit 117 is connected to the filtering unit 114. The first output end of the voltage stabilizing unit 117 is connected to the microcontroller unit 111, and the second output end of the voltage stabilizing unit 117 is connected to the digital power supply terminal of the wireless communication unit 112. The voltage stabilizing unit 117 is used to supply voltage to the microcontroller unit 111 and maintain the stability of the output voltage.

[0050] Optionally, the payment module may further include a power supply unit, which is disposed on the control module circuit board 110 or the expandable module circuit board 120. In the embodiment of the present invention, the power supply unit may be powered by a button battery. For some application scenarios that require maintaining the persistence of payment data, these payment data are usually stored in a non-volatile memory. When the main power supply of the payment module is cut off or the battery of the external power supply runs out, the button battery can be used to supply power to keep these memories working properly, ensuring that the payment data will not be lost when the power is cut off. At the same time, if the payment module is illegally opened or damaged, it may be necessary to record this event or trigger an alarm. The button battery can supply power to the anti-tamper sensor or anti-tamper mechanism module to ensure that these functions are still effective even when the main power supply is cut off.

[0051] The payment module provided by the embodiment of the present invention adopts a modular design, allowing users or developers to flexibly select and combine different functional modules according to actual needs, and is easy to integrate new payment methods, security authentication technologies or user interface elements. Through a reasonable design of the control core board architecture, pin resource extraction, and flexible design of the peripheral expansion board, the payment module can adapt to a variety of payment scenarios and terminal devices.

[0052] Embodiment 2

[0053] Based on the same technical concept, the embodiment of the present invention provides a payment device. Figure 4 is a schematic structural diagram of the payment device provided by the embodiment of the present invention, as Figure 4 shown, the payment device 200 includes the payment module described in Embodiment 1 above.

[0054] The payment device 200 includes, but is not limited to, electronic devices such as POS machines, vending machines, self-checkout machines, and cash registers.

[0055] The payment device provided by the embodiment of the present invention adopts an expandable payment module. By sharing a common control module, the R & D and production costs can be shared among multiple products. When a new product needs to be launched or a function needs to be upgraded, only specific modules need to be replaced or added, thereby reducing the overall development cost and risk. The modular structure makes fault troubleshooting and repair simpler and faster. When a certain module has a problem, it can be quickly located and replaced, reducing the impact on the overall device.

[0056] In summary, the payment module and payment device provided by the utility model adopt a modular design, allowing users or developers to flexibly select and combine different functional modules according to actual needs, and are easy to integrate new payment methods, security authentication technologies or user interface elements. By sharing a common control module, the R&D and production costs can be shared among multiple products. When it is necessary to launch new products or perform functional upgrades, only specific modules need to be replaced or added, thereby reducing the overall development cost and shortening the development cycle. The modular structure makes troubleshooting and maintenance simpler and faster. When a module has a problem, it can be quickly located and replaced to reduce the impact on the overall device. Through reasonable control core board architecture design, pin resource extraction and flexible design of peripheral expansion boards, the payment module can adapt to a variety of payment scenarios and terminal devices.

[0057] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0058] The above-mentioned embodiments only express several implementation methods of the utility model, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the patent of the utility model. It should be pointed out that, for ordinary technicians in this field, several variations and improvements can be made without departing from the concept of the utility model, and these all belong to the protection scope of the utility model. Therefore, the protection scope of the utility model patent shall be based on the attached claims.

[0059] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the utility model, rather than to limit it. Although the utility model has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the various embodiments of the utility model.

Claims

1. A payment module, characterized in that: The payment module includes a control module circuit board and an expandable module circuit board, wherein: The control module circuit board includes a microcontroller unit, a wireless communication unit and a security encryption unit, wherein the microcontroller unit is connected to the wireless communication unit for contactless communication to transmit payment data, and the microcontroller unit is connected to the security encryption unit for storage and encryption of the payment data; The expandable module circuit board includes an antenna unit and at least one external interface, wherein the external interface is used to connect an external device, the antenna unit is connected to the wireless communication unit, and the antenna unit is used for data transmission between the payment module and a device interacting with the payment module.

2. The payment module according to claim 1, characterized in that: The at least one external interface includes a camera interface, the expandable module circuit board is used to set a camera, the camera interface is used to connect to the camera, and the camera interface is connected to the microcontroller unit; And / or, the at least one external interface includes a display screen interface, the expandable module circuit board is used to set up the display screen, the display screen interface is used to connect to the display screen, the display screen interface is connected to the microcontroller unit, and the display screen is used to display payment information.

3. The payment module according to claim 1, characterized in that: The payment module also includes an electromagnetic shielding cover, and the control module circuit board is located in the electromagnetic shielding cover.

4. The payment module according to claim 1, characterized in that: The control module circuit board also includes a filtering unit and a power supply unit interface, the input end of the filtering unit is connected to the power supply unit interface, the output end of the filtering unit is connected to the microcontroller unit and the wireless communication unit, and the filtering unit is at least used to filter out the power frequency interference output by the power supply unit interface.

5. The payment module according to claim 4, characterized in that: The control module circuit board also includes a power isolation unit and / or a voltage stabilization unit, wherein: The input end of the power isolation unit is connected to the output end of the filter unit, the output end of the power isolation unit is connected to the analog power supply end of the wireless communication unit, and the power isolation unit is used to attenuate the waveform transmitted to the interface of the power supply unit when the wireless communication unit is started; The input end of the voltage stabilizing unit is connected to the filtering unit, the first output end of the voltage stabilizing unit is connected to the microcontroller unit, the second output end of the voltage stabilizing unit is connected to the digital power supply end of the wireless communication unit, and the voltage stabilizing unit is used to provide voltage to the microcontroller unit to maintain the stability of the output voltage.

6. The payment module according to any one of claims 1 to 5, characterized in that: The external interface includes one or more of an SPI interface, an ADC interface, a PWM interface, a UART interface and an IIC interface.

7. The payment module according to any one of claims 1 to 5, characterized in that: The wireless communication unit includes at least an NFC chip, and the antenna unit includes at least an RF antenna; And / or, the security encryption unit at least includes a security element SE chip; And / or, the microcontroller unit is directly connected to the wireless communication unit, and is directly connected to the security encryption unit; And / or, the payment module is a separate modular product.

8. The payment module according to any one of claims 1 to 5, characterized in that: The control module circuit board and the expandable module circuit board are connected by one or more methods including welding, plugging and wiring connection; And / or, the expandable module circuit board is formed by splicing multiple circuit boards.

9. The payment module according to any one of claims 1 to 5, characterized in that: The control module circuit board or the expandable module circuit board also includes a power supply unit, which includes at least a battery or a power supply unit interface, and the power supply unit is used to supply power to the payment module.

10. A payment device, characterized in that: The payment device comprises the payment module according to any one of claims 1-9.

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