CN101789152B

CN101789152B - Multipurpose contactless card supporting large amount payment and online recharge and application method thereof

Info

Publication number: CN101789152B
Application number: CN2010101087485A
Authority: CN
Inventors: 黄志军
Original assignee: Individual
Current assignee: Individual
Priority date: 2010-02-11
Filing date: 2010-02-11
Publication date: 2012-04-11
Anticipated expiration: 2030-02-11
Also published as: CN101789152A

Abstract

The invention discloses a multipurpose contactless card which supports large amount payment and online recharge; the multipurpose contactless card is composed of a central processing unit, a ROM for storing an operating system, a data memory RAM, a E2PROM for storing application data, an encryption part for encryption and decryption operation, a radio frequency interface circuit and a hardware communication interface corresponding to a mobile phone TF card slot. The hardware communication interface comprises a NO. 0 data interface, a NO.1 data interface, a NO.3 data interface, a CMD command communication interface, a CLK clock input interface, a power supply anode VCC interface and a ground GND interface. The invention also discloses an application method and an authentication method required by the application method; the application method supports large amount payment, online recharge and adapts to various authentication reader-writers, and is applicable to the multipurpose contactless card supporting large amount payment and online recharge; the security, reliability and accuracy of payment and recharge functions of the multipurpose contactless card supporting large amount payment and online recharge are guaranteed, and the practicality of the invention is also greatly improved.

Description

A kind of a large sum of money payment and online multipurpose contactless card of supplementing with money and method of application thereof supported

Technical field

The invention belongs to the contactless IC card applied technical field, is to utilize contactless IC card and pass through cell-phone microprocessor MCU with GPRS or 3G mode and assigned ip address server system or merchant server system communication, realizes payment or the mode of supplementing with money.

Background technology

Contactless IC card (CICC) human society in modern times has extremely wide application market and development prospect; As: the charge automatically of urban public transport, highway, automobile fuel filler, goalkeeper's work attendance, identification, qualification authentication, small amount consumption, logistics management, Theft-proof and anti-counter ..., almost relate to human lives's every field.

But mainly there is following defective in traditional contactless IC card at present:

1, owing to the passive power supply mode of employing, so the volume ratio of card is bigger;

2, traditional contactless IC card can only rely on the dedicated RF read write line could be to E in the card ²The numerical value of PROM increases operation promptly supplements with money, very inconvenience of operation like this;

3, because the modes of payments of traditional contactless IC card is to the E in the card through the RF read write line ²The numerical value of PROM is reduced, and traditional contactless IC card can't accomplish to report the loss function, so the payment of present contactless IC card can only be carried out the payment of the little amount of money;

4, narrow in application range: traditional contactless IC card even other IC-card be not owing to provide the IO port of the data of communicating by letter with outside MCU, and the function that isolates of can only communicating by letter with the read write line of appointment is used, and can't expand its purposes.

Development along with Internet technology; Each large-scale commerce bank has all released online payment system (promptly alleged assigned ip address server system); But in operation, must import information such as complicated card number, title by hand; Produce in real life purchase activity meeting that inconvenient greatly (as at supermarket shopping, accomplish not only the time to input and go up very longly from learning card number, title, formality is also quite complicated.)

Meanwhile, the communications market of China has obtained flourish, and GPRS and 3G mode have dropped in the actual operation.Smart mobile phone has been the main flow consumption pattern of China's mobile phone market as a kind of mobile computer product.And smart mobile phone all has basic configuration a: TF (Micro SD) card slot, and it provides the communication interface of power interface and SPI (or TF card) pattern.

Summary of the invention

The objective of the invention is defective to traditional contactless IC card; Utilize RF identification (Radio FrequencyIdentification; RFID) technology; Particular merchant will be consumed payment informations such as the amount of money, name of firm, account number utilizes the radio frequency discrimination RFID technology let to be inserted with the mobile phone of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to receive and accomplish input; The microprocessor MCU of mobile phone utilizes GRPS or 3G network and assigned ip address server system to communicate and updating data again, thereby realizes the mode of a large sum of money consumption on-line payment, and owing to is not to reduce E in the card under a large sum of money payment mode ²The numerical value of PROM is reported the loss so can easily handle; The merchant server system utilizes GPRS or 3G to upgrade through cell-phone microprocessor MCU and supports E in a large sum of money payment and the online multipurpose contactless card of supplementing with money ²The prom memory data (refer to increase E ²The Stored Value amount of money in the PROM), avoided traditional IC-card Stored Value amount of money to go the trouble of supplementing with money to appointment RF read write line; The interface of communicating by letter with outside MCU is provided in addition; Utilize the microprocessor MCU of mobile phone to call different encrypted software through this communication interface; Make and support a large sum of money payment and online multipurpose contactless card of supplementing with money can adapt to various authenticating device, expanded the scope of its application greatly.

The present invention provides and can realize that above-mentioned purpose supports a large sum of money to pay and online multipurpose contactless card of supplementing with money comprises: the storer E of the ROM of central processor CPU, storage operating system, data-carrier store RAM, storing applied data ²PROM, be used to encrypt or the encryption unit of decrypt operation, meet ISO/IEC14443 or ISO/IEC15693 standard radio frequency interface circuit; Comprise modulation circuit, demodulator circuit and antenna circuit; It is characterized in that: also comprise and mobile phone TF (MicroSD) card slot corresponding hardware communication interface, this hardware communication interface comprise the 0th to 3 data-interface DAT0～3, CMD command communication interface, CLK clock input interface, positive source VCC interface, the GND interface; Wherein with TF (MicroSD) card slot corresponding hardware communication interface in the CLK interface for supporting that central processing unit provides the work clock input in a large sum of money payment and the online multipurpose contactless card of supplementing with money, be connected to the central processor CPU clock signal input terminal mouth of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The the 0th to 3 data input/output interface DAT0～3 are central processor CPU and cell-phone microprocessor MCU data communication interface in a large sum of money payment and the online multipurpose contactless card of supplementing with money, are connected to the data IO port of supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The CMD interface is the interface that cell-phone microprocessor MCU and the central processor CPU in the card carry out transmission command, is connected to the data IO port of supporting the central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The VCC interface is to support a large sum of money payment and the interior all functions circuit of online multipurpose contactless card of supplementing with money that the port of direct supply is provided, and is connected to the power input of each functional circuit in the card; The GND interface is to support all functions circuit in a large sum of money payment and the online multipurpose contactless card of supplementing with money that grounding ports is provided, and is connected to the earth terminal of each functional circuit in the card.

The ROM of storage operating system of the present invention is connected to address end and the data terminal of supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money through address bus and data bus; Data-carrier store RAM is used to store operational data, is connected to address end and the data terminal of supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money through address bus and data bus; The storer E of storing applied data ²PROM is connected to address end and the data terminal of supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money through address bus and data bus; Encryption unit is connected to through data line and supports central processor CPU data input/output terminal in a large sum of money payment and the online multipurpose contactless card of supplementing with money, with the encryption of data or the central processor CPU communication of deciphering result of calculation and Ka Nei; The data input pin that meets the modulation circuit in the radio-frequency interface circuit of ISO/IEC14443 or ISO/IEC15693 standard is connected to the data output end of supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The output terminal of modulation circuit is connected on the antenna circuit; Data after central processor CPU handled are connected to the input end of modulation circuit through the central processor CPU data output end, are transmitted to the RF read write line through antenna circuit again after the modulating circuit modulates in radio-frequency interface circuit and receive; Antenna circuit connects the input end of the demodulator circuit in the radio-frequency interface circuit and antenna circuit is received data that the RF read write line sends after the demodulator circuit demodulation, is connected to the data input pin of supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money through the demodulator circuit data output end.

The present invention is integrated into the microprocessor that contains central processor CPU and program memory ROM and random access memory ram with ROM, the data-carrier store RAM of central processor CPU, storage operating system; Data IO port DAT2 the 5th pin of said microprocessor connects data input/output terminal DAT2 the 1st pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; Data input/output terminal CS/DAT3 the 48th pin of said microprocessor connects data IO port CD/DAT3 the 2nd pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; Order input/output terminal CMD the 46th pin of said microprocessor connects order input/output terminal CMD the 3rd pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; Input end of clock CLK the 44th pin of said microprocessor connects clock end CLK the 5th pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; Data input number DAT0 the 41st pin of said microprocessor connects data input/output terminal DAT0 the 7th pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; Data input/output terminal DAT1 the 40th pin of said microprocessor connects data IO port DAT1 the 8th pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; Power positive end VCC6 the 2nd pin of said microprocessor connect with positive source VCC the 4th pin of mobile phone TF (MicroSD) card slot corresponding hardware communication interface and on this line through the capacity earth of connecting; Output terminal of clock DAT5 the 7th pin of said microprocessor connects input end of clock mouth SCL the 6th pin of encryption unit, and the address port of the connected storage of said microprocessor is through address bus connected storage E ²The data IO port of the connected storage of the said microprocessor of address end of PROM is connected storage E respectively ²The corresponding data input/output terminal of PROM, the output enable end connected storage E of said microprocessor ²The output enable end of PROM, the chip enable end connected storage E of said microprocessor ²The chip enable end of PROM, said microprocessor write Enable Pin connected storage E ²PROM writes Enable Pin; The data input pin of said microprocessor connects demodulator circuit data output end R_DO in the radio-frequency interface circuit that meets ISO/IEC14443 or ISO/IEC15693 standard; Data output end DAT6 the 43rd pin of said microprocessor connects the data input pin R_DI of modulation circuit in the radio-frequency interface circuit that meets ISO/IEC14443 or ISO/IEC15693 standard; Earth terminal GND the 45th pin of said microprocessor connects GND the 6th pin with mobile phone TF (MicroSD) card slot corresponding hardware communication interface, and data input/output terminal DAT4 the 47th pin of said microprocessor connects data input/output terminal SDA the 5th pin of encryption unit; Preserve the storer E of user's application data ²Positive source VDD the 8th pin of PROM connects with positive source VCC the 4th pin of mobile phone TF (MicroSD) card slot corresponding hardware communication interface and on this line and is connected ground through electric capacity of series connection, and earth terminal VSS the 24th pin connects the GND with mobile phone TF (MicroSD) card slot corresponding hardware communication interface; The connected storage address end of microprocessor in the address end Connection Card of encryption unit; State of activation mode selection terminal STA the 2nd heel selects high level or low level to activate according to concrete active mode; Earth terminal GND the 4th pin ground connection, positive source VCC the 8th pin connects the positive source VCC with mobile phone TF (MicroSD) card slot corresponding hardware communication interface.

The payment of support a large sum of money and the online multipurpose contactless card of supplementing with money that adopt this mode to design; Owing to adopt the mobile phone in-line power; So the central processor CPU in the card strengthens with the stability and the reliability of other functional circuit data processing greatly; The antenna volume that transmits and receives usefulness also can be dwindled greatly; And hardware communication interface DAT0～3, CMD and the CLK that can utilize this card realize carrying out data communication with cell-phone microprocessor MCU or other MCU with SPI (or TF card mode bus), thereby realization can directly can not upgraded E in the card by the dedicated RF read write line through cell-phone microprocessor MCU ²The radio frequency interface that PROM data (supplementing with money) and utilization meet ISO/IEC14443 or ISO/IEC15693 standard obtains payment information and is transferred to cell-phone microprocessor MCU from the RF read write line, utilizes server data exchange functions such as (on-line payments) on realization of GRPS or 3G network and the particular ip address again.

The present invention is used for a large sum of money payment, and its method of payment is following:

Be inserted with the mobile phone of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through GPRS or 3G connect land assigned ip address server system and accomplish authentication procedure after; Trade company utilizes REID to be transferred to the antenna of supporting in a large sum of money payment and the online multipurpose contactless card radio frequency interface of supplementing with money through the RF read write line payment informations such as own name of account, number of the account and dealing money and receives; Be transferred to the data input pin of the central processing unit in the card after the signal demodulation of demodulator circuit in the radio frequency interface with the antenna reception, central processing unit is transferred to cell-phone microprocessor MCU with data through data input/output port DAT0～3 in TF (MicroSD) the card hardware interface and receives; Cell-phone microprocessor MCU connects and lands the online payment system of assigned ip address server system through GPRS or 3G; Accomplish safe authentication procedure; Cell-phone microprocessor MCU accomplishes payment information through GPRS or 3G the making a report on of online payment system name on account, number of the account and dealing money of assigned ip address server system automatically, thereby accomplishes the transfer of payment transaction.

The present invention is used for online mode and gives E in the card ²PROM supplements with money, and its method is following:

Be inserted with the mobile phone of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through GPRS or 3G connect land the merchant server system and accomplish authentication procedure after; Get into the program of supplementing with money of server system; Select behind the amount of money that will supplement with money; The merchant server system automatically links to the online transaction system in the assigned ip address server system through the internet, after accomplishing safe authentication procedure and transferring accounts, returns merchant server system account inquiry menu automatically; After selecting to supplement option with money to contactless IC card, the merchant server system will show on its homepage or be transferred to the designated mobile phone confirmation codes that number affirmation is supplemented with money through note; After accomplishing the affirmation authentication procedure, the merchant server system utilizes cell-phone microprocessor MCU to give through TF (MicroSD) card through GPRS or 3G and supports E in a large sum of money payment and the online multipurpose contactless card of supplementing with money ²PROM numerical value carries out add operation, the numerical value that is increased for the numerical value that will supplement with money.

It is following that the present invention is adapted to the versatile method of multiple authentication:

A kind of method is: after will being inserted with the mobile phone response authentication read write line authentication request of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money; The authentication read write line is inner to be produced random number and after encryption unit is encrypted, obtains authentication with encrypting numerical value; The authentication read write line is transmitted to authenticated encryption numerical value again through radio frequency interface supports the radio frequency interface of a large sum of money payment and online multipurpose contactless card of supplementing with money to receive; Support the central processor CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money that authenticated encryption numerical value is transferred to cell-phone microprocessor MCU through TF (MicroSD) card; Encrypting and decrypting software on the cell-phone microprocessor MCU calling mobile phone carries out obtaining behind the decrypt operation after the rreturn value being transferred to through TF (MicroSD) card to authenticated encryption numerical value to be supported a large sum of money payment and online multipurpose contactless card of supplementing with money and is transmitted to the authentication read write line through radio frequency interface; The authentication read write line is verified contrast to rreturn value and the random number of supporting a large sum of money payment and online multipurpose contactless card emission of supplementing with money, and unanimity is then through authentication;

Another kind method is: after will being inserted with the mobile phone response authentication read write line authentication request of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money; The inner random number that produces of authentication read write line; The authentication read write line is transmitted to random number again through radio frequency interface supports the radio frequency interface of a large sum of money payment and online multipurpose contactless card of supplementing with money to receive; Support the central processor CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money that random number is transferred to cell-phone microprocessor MCU through TF (MicroSD) card; Encrypting and decrypting software on the cell-phone microprocessor MCU calling mobile phone carries out obtaining behind the cryptographic calculation behind the secret value being transferred to through TF (MicroSD) card to random number to be supported a large sum of money payment and online multipurpose contactless card of supplementing with money and is transmitted to the authentication read write line through radio frequency interface; The authentication read write line carries out decrypt operation to the secret value of supporting a large sum of money payment and online multipurpose contactless card emission of supplementing with money; Decrypted value and the random number of authentication read write line after with decrypt operation verified contrast, and unanimity is then through authentication.

The invention allows for three kinds of authentication methods, be respectively:

The authentication procedure method:

(1) produce random number by the server system on the assigned ip address, each random number must be different;

(2) cell-phone microprocessor MCU reads through TF (MicroSD) interface and supports a large sum of money payment and online multipurpose contactless card card number of supplementing with money;

(3) after the support a large sum of money payment that will read of cell-phone microprocessor MCU and online multipurpose contactless card card number of supplementing with money were transferred to assigned ip address server system through GPRS or 3G, server system was sent this random number and the support a large sum of money payment that obtains and online multipurpose contactless card card number of supplementing with money into the system encryption storehouse and is carried out computations and obtain end value;

(4) mobile phone is through the end value of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor MCU is transferred to the central processor CPU of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money with the end value that receives through TF (MicroSD) interface DAT0～3, CMD and CLK with SPI or TF mode card;

(5) support the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money receiving end value and be deposited in the payment of support a large sum of money and online multipurpose contactless card card number of supplementing with money in the encryption unit and give encryption unit and decipher and calculate rreturn value, encryption unit is transferred to the interior central processor CPU of card through data line)

(6) support the central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money that rreturn value is transferred to cell-phone microprocessor MCU through hardware communication interface DAT0～3, CMD and the CLK that blocks with SPI or TF mode card;

(7) cell-phone microprocessor MCU utilizes GPRS or 3G that rreturn value is transferred to assigned ip address server system again;

(8) the assigned ip address server compares rreturn value and random number again, and if unanimity through the checking; If the inconsistent step (1) of returning again is again through a verification process;

(9) can set certain naturally for several times all not through authentication, then system withdraws from authentication.

The safe authentication procedure method is divided into two kinds:

A kind of method is: key resides on the assigned ip address server

(1) produce random number by the server system on the assigned ip address, wherein each random number must be different, and simultaneity factor is sent transmission to mobile phone and supported a large sum of money payment and online multipurpose contactless card card number request of supplementing with money;

(3) after the support a large sum of money payment that will read of cell-phone microprocessor MCU and online multipurpose contactless card card number of supplementing with money will be transferred to assigned ip address server system through GPRS or 3G, server system with this random number with reserve key of depositing and the support a large sum of money that obtains payment and online multipurpose contactless card card number of supplementing with money and send into the system encryption storehouse and carry out computations and obtain end value;

(4) mobile phone is through the end value of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor (MCU) is transferred to card interior central processor CPU through supporting a large sum of money payment and online multipurpose contactless card hardware communication interface DAT0～3, CMD and the CLK that supplements with money with SPI or TF mode card with the key of end value that receives and cell phone keyboard input;

(5) central processor CPU sends to the encryption unit in the card at the key that receives the input of end value and cell phone keyboard;

(6) encryption unit is deciphered the rreturn value that calculates with the payment of support a large sum of money and the online multipurpose contactless card card number of supplementing with money that are deposited in the encryption unit behind the key of receiving the input of end value and cell phone keyboard, and encryption unit is transferred to the central processor CPU in the card through data line with rreturn value;

(7) support the central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money to give cell-phone microprocessor MCU through the hardware communication interface (DAT0～3, CMD and CLK) of card with SPI (or TF card) mode transfer with rreturn value;

(8) cell-phone microprocessor MCU is utilizing GPRS or 3G that rreturn value is transferred to assigned ip address server system;

(9) the assigned ip address server compares rreturn value and random number again, and if unanimity through the checking; If the inconsistent step (1) of returning again is again through a verification process;

(10) can set certain naturally for several times all not through authentication, then system withdraws from authentication.

Another kind method is: key resides on the encryption unit in the non-contact card:

(1) produce random number by the server system on the assigned ip address, wherein each random number must be different, and simultaneity factor is sent input to mobile phone and supported a large sum of money payment and online multipurpose contactless card card number request of supplementing with money and input payment key request;

(2) cell-phone microprocessor MCU reads through TF (MicroSD) interface and supports a large sum of money payment and online multipurpose contactless card card number of supplementing with money and pass through cell phone keyboard input payment key;

(3) after the payment key of the support a large sum of money payment that will read of cell-phone microprocessor (MCU) and online multipurpose contactless card card number of supplementing with money and cell phone keyboard input will be transferred to assigned ip address server system through GPRS or 3G, server system was with this random number, payment key and support a large sum of money to pay and online multipurpose contactless card card number of supplementing with money is sent into the system encryption storehouse and carried out computations and obtain end value;

(4) mobile phone is through the end value of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor MCU is transferred to payment of payment a large sum of money and online central processor CPU of supplementing with money in the multipurpose contactless card with the end value TF that receives (MicroSD) card hardware communication interface DAT0～3, CMD and CLK with SPI or TF mode card;

(5) support the central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money to send to the encryption unit in the card receiving end value;

(6) encryption unit is deciphered the rreturn value that calculates to receiving end value and the payment key key that resides in the encryption unit with supporting a large sum of money payment and online multipurpose contactless card card number of supplementing with money, and encryption unit is transferred to the central processor CPU in the card through data line with rreturn value;

(7) support the central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money that rreturn value is transferred to cell-phone microprocessor MCU through hardware communication interface DAT0～3, CMD and the CLK that blocks with SPI or TF mode card;

Confirm that the authentication procedure method is:

(1) the merchant server system can produce random number at random and confirm password, and wherein each random number must be different, and server system can show at system's homepage to be confirmed password or will confirm that through note password sends on the mobile phone of assigned number;

(2) server system can and be confirmed the value of obtaining a result after password is through the encryption library computing with payment of the support a large sum of money of random number, access authentication and online multipurpose contactless card card number of supplementing with money;

(3) cell-phone microprocessor MCU receives the end value that the merchant server system sends through GPRS or 3G;

(4) mobile phone is known the affirmation password through browser server system homepage or reception note;

(5) cell-phone microprocessor MCU will utilize TF (MicroSD) card to be transferred to the central processor CPU of payment of support a large sum of money and online multipurpose contactless card of supplementing with money through the affirmation password and the end value of cell phone keyboard input;

(6) support a large sum of money payment and online multipurpose contactless card central processor CPU of supplementing with money will confirm that password, end value, the payment of support a large sum of money and online multipurpose contactless card card number of supplementing with money give the interior encryption unit of card and carry out decrypt operation and obtain rreturn value, encryption unit is transferred to the interior central processor CPU of card through data line with rreturn value;

(7) support the CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money that rreturn value is flowed to cell-phone microprocessor MCU through TF (MicroSD) interface;

(8) cell-phone microprocessor (MCU) sends to the merchant server system with rreturn value through GPRS or 3G;

(9) the merchant server system compares the random number that rreturn value and server system produce, if unanimity then through checking; If the inconsistent step (1) of returning again is again through once confirming verification process;

The present invention supports the advantage of a large sum of money payment and online multipurpose contactless card of supplementing with money and application process thereof:

1, IC-card of the present invention provides the interface of communicating by letter with outside MCU; After making that mobile phone is linked to the online payment system of commercial bank through GPRS or 3G; Utilize REID (RFID) to realize the automatic input of the payment informations such as " user's name; number of the account, the amount of money of transferring accounts " that Web bank is required through the radio frequency interface of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money, thereby realize a large sum of money modes of payments;

2, the amount of money of being paid in a large sum of money modes of payments of the present invention is the amount of money of user in commercial bank's account, but not supports E in a large sum of money payment and the online multipurpose contactless card of supplementing with money among the present invention ²The amount of money of being stored in the PROM (being called for short the little amount of money), thus even if lose support a large sum of money payment of the present invention and online multipurpose contactless card of supplementing with money, the little amount of money in the just card of loss, and a large sum of money in the bank account can be through reporting the loss preservation.

3, after mobile phone was connected to trade company and " supplements " system with money through GPRS or 3G, the interface of communicating by letter with outside MCU that utilizes non-contact card of the present invention to provide was realized utilizing cell-phone microprocessor MCU to blocking interior E through the internet ²Supplementing with money of the PROM amount of money removed traditional contactless IC card from and must be arrived the trouble that the dedicated RF read write line is supplemented with money;

4, IC-card of the present invention provides the interface of communicating by letter with outside MCU, and the flexible Application of the encrypting and decrypting software through mobile phone or other equipment can replace the identity recognition function of other various IC-cards, realizes the authentication function of multi-usage card;

5, the present invention supports a large sum of money payment and online multipurpose contactless card of supplementing with money and outside MCU Design of Communication Interface; Make the simple function of the traditional contactless IC card MCU through external unit is used and links to the internet, expanded the function of contactless IC card greatly and used; The radio frequency interface function of utilizing IC-card of the present invention in addition also can have been enriched the information of other electronic equipments such as smart mobile phone and obtain the also application of input information automatically through REID.

6, the payment of a large sum of money among the present invention and prepaid mobile phone recharging flow process and 3 authentication procedures; Overcome the defective of traditional contactless IC card; And guaranteed to support a large sum of money payment and online multipurpose contactless card of supplementing with money in its payment with supplement security, reliability and the correctness of function in using with money, greatly strengthened practicality of the present invention.

7, be TF (MicroSD) card slot mode owing to what adopt, antenna is arranged on the other end of interface, has avoided the problem of battery of mobile phone and circuit board of mobile phone shielding, need not to adopt flexible antennas, thereby has overcome the defective that adopts the flexible antennas frangible.

8, be TF (MicroSD) card slot mode owing to what adopt, exploitation third party application software is easy, the development and application difficulty reduces greatly, does not receive the Virtual network operator limit value, uses more extensive.

Description of drawings

Accompanying drawing 1 is to support a large sum of money payment and online multipurpose contactless card built-in function structure of supplementing with money.

Accompanying drawing 2 is to support a large sum of money payment and the online multipurpose contactless card a large sum of money payment of supplementing with money and the process flow diagram of prepaid mobile phone recharging.

Accompanying drawing 3 is to support a large sum of money payment and online multipurpose contactless card of supplementing with money and authentication read write line identifying procedure figure.

Accompanying drawing 4 is to support a large sum of money payment and online multipurpose contactless card of supplementing with money through mobile phone and assigned ip address server system authentication program process figure.

Accompanying drawing 5 is to support a large sum of money payment and online multipurpose contactless card of supplementing with money through mobile phone and merchant server system validation authentication procedure procedure chart.

Accompanying drawing 6 is to support a large sum of money payment and online multipurpose contactless card of supplementing with money through mobile phone and assigned ip address server security of system authentication procedure procedure chart.

Accompanying drawing 7 is hardware communication interface J1 and the concrete connected mode figure of encryption unit U3 (DM2016) that support in a large sum of money payment and the inner concrete connection layout of online multipurpose contactless card of supplementing with money.

Accompanying drawing 8 is the concrete connected mode figure that support the microprocessor U1 (SK6612XXSC) in a large sum of money payment and the inner concrete connection layout of online multipurpose contactless card of supplementing with money.

Accompanying drawing 9 is the E that support in a large sum of money payment and the inner concrete connection layout of online multipurpose contactless card of supplementing with money ²The concrete connected mode figure of prom memory U2 (SST39LF512).

Accompanying drawing 10 is modulation circuit U4 and the concrete connected mode figure of antenna circuit ANT that support in a large sum of money payment and the inner concrete connection layout of online multipurpose contactless card of supplementing with money.

Accompanying drawing 11 is the concrete connected mode figure that support the demodulator circuit U5 in a large sum of money payment and the inner concrete connection layout of online multipurpose contactless card of supplementing with money.

Embodiment

The present invention will be described further through following examples.

Embodiment:

Support a large sum of money payment and online multipurpose contactless card specific embodiment of supplementing with money according to accompanying drawing 1 described inner structure design, mainly contain E with TF (MicroSD) card slot corresponding hardware communication interface J1, the microprocessor U1 (SK6612XXSC) that contains central processor CPU and program memory ROM and random access memory ram, preservation user data ²Prom memory U2 (SST39LF512), be used for encrypting or decrypt operation encryption unit U3 (DM2016) and meet ISO/IEC14443 or the radio-frequency interface circuit of ISO/IEC15693 standard is formed.Comprise with TF (MicroSD) card slot corresponding hardware communication interface: the 0th to 3 data-interface DAT0～3, CMD command communication interface, CLK clock input interface, positive source VCC interface and ground GND interface.The radio-frequency interface circuit that meets ISO/IEC14443 or ISO/IEC15693 standard comprises: modulation circuit U4, demodulator circuit U5 and antenna ANT.(seeing accompanying drawing 7-11)

Concrete connected mode is following:

Be designed to the plug of 8 pin with TF (MicroSD) card slot corresponding hardware communication interface J1; The data IO port DAT2 (the 1st pin) of J1 connects the digital data IO port (DAT2 the 5th pin) of U1; The data IO port CD/DAT3 (the 2nd pin) of J1 connects the data input/output terminal (CS/DAT3 the 48th pin) of U1; The order input/output terminal CMD (the 3rd pin) of J1 connects the order input/output terminal (CMD the 46th pin) of U1; The positive source interface VCC (the 4th pin) of J1 provides the VCC power supply to supply other circuit to use as positive source; The clock end CLK of J1 (the 5th pin) connects the input end of clock (CLK the 44th pin) of U1, and the grounding ports GND of J1 (the 6th pin) is as ground, and the ground of other circuit all is connected to this; The data input/output terminal DAT0 (the 7th pin) of J1 connects the data input number (DAT0 the 41st pin) of U1, and the data IO port DAT1 (the 8th pin) of J1 connects the data input/output terminal (DAT1 the 40th pin) of U1.(seeing Fig. 7 and Fig. 8)

Support the power positive end (VCC6 the 2nd pin) of a large sum of money payment and the online multipurpose contactless card microprocessor U1 that supplements with money to connect the positive source VCC (the 4th pin) of J1 and on this line, pass through a series connection electric capacity (C1) ground connection; The power positive end of U1 (VCC4 the 3rd a pin) series connection electric capacity (C2) ground connection; The grounding ports of U1 (GND the 4th pin) ground connection; The output terminal of clock of U1 (DAT5 the 7th pin) connects the input end of clock mouth (SCL the 6th pin) of encryption unit U3; The positive source port of U1 (VCC1 the 8th pin) connects the power positive end VCC of J1 and on this line, passes through a series connection electric capacity (C1) ground connection, and U1 connects E ²The address port of PROM (ED0 the 9th pin, ED1 the 15th pin, ED2 the 13rd pin, ED3 the 12nd pin) connects E through address bus ²The address end of prom memory U2 (A0 the 20th pin, A1 the 19th pin, A2 the 18th pin, A3 the 17th pin), U1 connects E ²The data IO port of PROM (ED4 the 17th pin, ED5 the 34th pin, ED6 the 18th pin, ED7 the 32nd pin) connects E respectively ²The data input/output terminal of prom memory U2 (DQ0 the 21st pin, DQ1 the 22nd pin, DQ2 the 23rd pin, DQ3 the 25th pin), U1 connects E ²The output enable end of PROM (OE_N the 20th pin) connects E ²The output enable end of prom memory U2 (OE# the 32nd pin), the chip enable end of U1 (CE0_N the 21st pin) connects E ²The chip enable end of prom memory U2 (CE# the 30th pin), the Enable Pin (WE_N the 27th pin) of writing of U1 connects E ²Prom memory U2 writes Enable Pin (WE# the 7th pin); The positive source of U1 (VCC3 the 36th pin) connects the positive source VCC of J1; The mode selection terminal of U1 (TF_SD the 39th pin) connects the VCC of J1; The data input/output terminal of U1 (DAT7 the 42nd pin) connects the data output end (R_DO) of demodulator circuit U5; The data input/output terminal of U1 (DAT6 the 43rd pin) connects the data input pin (R_DI) of modulation circuit U4, the earth terminal of U1 (GND the 45th pin) ground connection, and the data input/output terminal of U1 (DAT4 the 47th pin) connects the data input/output terminal (SDA the 5th pin) of encryption unit U3.(seeing Fig. 8 and Fig. 9)

Preserve the E of user data ²The positive source of prom memory U2 (VDD the 8th pin) connects the positive source VCC of J1 and on this line, connects ground through an electric capacity of series connection (C4), and the earth terminal of U2 (VSS the 24th pin) connects ground.(see figure 9)

The address end of encryption unit U3 can connect the connection E that supports a large sum of money payment and the online multipurpose contactless card microprocessor U1 that supplements with money ²Prom memory address end; But in the present embodiment owing to adopt comparatively simple enciphered data; So with its (A0 the 1st pin) ground connection; The state of activation mode selection terminal of U3 (STA the 2nd pin) connects ground through a resistance of series connection (R22) simultaneously through the positive source VCC that an electric capacity (C22) is connected to J1, the earth terminal of U3 (GND the 4th pin) ground connection, and the positive source of U3 (VCC the 8th pin) connects the positive source VCC of J1.Antenna circuit ANT days stitch 1 connects antenna input and the modulation circuit U4 antenna output end of demodulator circuit U5, day stitch 2 ground connection, and day stitch 3 connects antenna input and the modulation circuit U4 antenna output end of demodulator circuit U5.(seeing Fig. 7, Fig. 8 and Figure 10)

The data input pin of modulation circuit U4 (R_DI) connects the grid of P-type mos pipe (being called for short the MOSFET pipe) MP1 and N type MOSFET pipe MN1 respectively; The source electrode of P type MOSFET pipe MP1 connects the source electrode of P type MOSFET pipe MP2 and is connected to the VCC of J1; The drain electrode that the drain electrode of P type MOSFET pipe MP1 connects N type MOSFET pipe MN1 connects the grid that P type MOSFET manages MP2 and N type MOSFET pipe MN2 simultaneously; The drain electrode of the drain electrode connection N type MOSFET pipe MN2 of P type MOSFET pipe MP2 and the grid of connection N type MOSFET pipe MN3 be series capacitance (C30) ground connection on this line simultaneously; The source electrode of N type MOSFET pipe MN1 links to each other and ground connection with the source electrode of N type MOSFET pipe MN2, and the drain electrode of N type MOSFET pipe MN3 is connected antenna output end (ANT1) and antenna output end ANT2 respectively with source electrode.(see figure 10)

Antenna input ANT1 among the demodulator circuit U5 connects the drain electrode of P type MOSFET pipe MP3, the source electrode of P type MOSFET pipe MP5, the grid of P type MOSFET pipe MP4; The base stage of P type MOSFET pipe MP3 links to each other with source electrode with the base stage of P type MOSFET pipe MP4 with source electrode and is connected the base stage that P type MOSFET manages MP5; The drain electrode of the grid connection P type MOSFET pipe MP4 of P type MOSFET pipe MP3 and the drain electrode that P type MOSFET manages MP5 are connected the grid that N type MOSFET manages MN4 and MN5 with grid and the drain electrode of P type MOSFET pipe MP7 and the grid that P type MOSFET manages MP8 that grid is connected P type MOSFET pipe MP6 simultaneously with drain electrode again; Antenna input among the demodulator circuit U5 connects drain electrode and the grid of P type MOSFET pipe MP7 and the source electrode of P type MOSFET pipe MP8 of P type MOSFET pipe MP6; The source electrode of P type MOSFET pipe MP6 is connected source electrode that P type MOSFET manages MP7 with base stage and be connected the base stage that P type MOSFET manages MP8 with base stage; The drain electrode of N type MOSFET pipe MN4 connects the positive source VCC of J1; The source electrode of N type MOSFET pipe MN4 connects the source electrode of N type MOSFET pipe MN5 through a resistance of series connection (R30); The source electrode of N type MOSFET pipe MN5 connects data output end (R_DO) and on this line, passes through a series connection electric capacity (C31) ground connection simultaneously, the grounded drain of N type MOSFET pipe MN5.(seeing Figure 11)

The present invention mainly is being divided into two big processes from payment of support a large sum of money and online multipurpose contactless card of supplementing with money to the complete communication process of assigned ip address server system (merchant server system):

1, cell-phone microprocessor MCU and payment of support a large sum of money and online multipurpose contactless card communication process of supplementing with money;

2, cell-phone microprocessor MCU and assigned ip address server system (or client server system) communication process.

The present invention is in order to ensure in whole process of data communication, and the security of data communication, reliability and correctness flow to and read and write rule to data and done following agreement:

(1) be inserted with support a large sum of money payment and the online multipurpose contactless card cell-phone microprocessor MCU that supplements with money and assigned ip address server system carry out data communication or merchant server system through mobile phone to support a large sum of money and pay and online multipurpose contactless card of supplementing with money on E ²Before the enterprising line number value of PROM increases operation, must pass through authentication procedure.Its verification process method (accompanying drawing 4) is as follows:

A) produce N position (as 64) random number A (each random number must be different) by the server system on the assigned ip address;

B) mobile phone reads 32 card numbers supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through TF (MicroSD) interface;

C) after cell-phone microprocessor MCU was transferred to assigned ip address server system with 32 card numbers of the contactless IC card that reads through GPRS or 3G, server system was sent this random number A and 32 contactless ic card numbers that obtain into the system encryption storehouse and is carried out computations and obtain end value B;

D) mobile phone is through the end value B of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor MCU gives through TF (MicroSD) interface (DAT0～3, CMD and CLK) the end value B that receives and supports a large sum of money payment and the interior CPU of online multipurpose contactless card of supplementing with money with SPI (or TF card) mode transfer;

E) support the CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money receiving end value B and be deposited in the encryption unit 32 and support as large sum of money payment and online multipurpose contactless card card number of supplementing with money to give encryption unit to decipher the rreturn value C that calculates N position (as 64) that encryption unit is transferred to the interior central processor CPU of card through data line;

F) hardware communication interface (DAT0～3, CMD and CLK) of supporting the central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money rreturn value C to be passed through block is given the microprocessor MCU of mobile phone with SPI (or TF card) mode transfer;

G) cell-phone microprocessor MCU utilizes GPRS or 3G that rreturn value C is transferred to assigned ip address server system again;

H) the assigned ip address server compares N position (as 64) the random number A of rreturn value C and generation again, and if unanimity through the checking; If the inconsistent step a) of returning again is again through a verification process;

I) if 3 times all not through authentication, then system withdraws from authentication procedure.

(2) in order to prevent that not obtaining trade company authorizes (arrearage) just to supporting E in a large sum of money payment and the online multipurpose contactless card of supplementing with money ²The behavior that PROM supplements with money, the present invention have increased supporting the CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money not passing through to confirm authentication procedure, can not be to blocking interior E ²The last numerical value of PROM increases (supplementing with money) operation.

Confirm authentication procedure (accompanying drawing 5) as follows:

A) the merchant server system can produce N position (as 64) random number D (each random number must different) and 6 s' affirmation password at random, and server system can be presented at system's homepage or send on the mobile phone of assigned number through the affirmation password of note with 6;

B) server system can support N position (as 64) random number D, the authentication that obtains 32 as large sum of money payment and online multipurpose contactless card card number of supplementing with money and 6 to confirm the value of obtaining a result E after passwords are through the encryption library computing;

C) cell-phone microprocessor MCU receives the end value E that the merchant server system sends through GPRS or 3G;

D) mobile phone knows that through browser server system homepage or reception note 6 are confirmed passwords;

E) cell-phone microprocessor MCU will confirm that password and end value E utilize TF (MicroSD) card to give the central processor CPU of payment of support a large sum of money and online multipurpose contactless card of supplementing with money through 6 of cell phone keyboard input;

F) support a large sum of money payment and online multipurpose contactless card central processor CPU of supplementing with money to confirm that with 6 passwords, end value E and 32 card numbers give encryption unit in the contactless IC card and carry out decrypt operation and obtain N position (as 64) rreturn value F, encryption unit is transferred to the interior central processor CPU of card through data line;

G) support the CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money that rreturn value F is flowed to cell-phone microprocessor MCU through TF (MicroSD) interface;

H) cell-phone microprocessor MCU broadcasts rreturn value F to the merchant server system through GPRS or 3G;

I) the merchant server system compares N position (as 64) the random number D that rreturn value F and server system produce, if unanimity then through checking; If the inconsistent step a) of returning again is again through once confirming verification process;

J) if 3 times all not through authentication, system's exit confirmation authentication procedure then.

Describe cell-phone microprocessor MCU of the present invention below respectively and support a large sum of money payment and online multipurpose contactless card communication process of supplementing with money and cell-phone microprocessor MCU and assigned ip address server communication process:

(1) cell-phone microprocessor MCU and payment of support a large sum of money and online multipurpose contactless card communication process of supplementing with money:

A) after supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money insert mobile phone TF (MicroSD) card slot; Support a large sum of money payment and online multipurpose contactless card of supplementing with money to get into TF card mode bus automatically at the initial stage of powering on, cell-phone microprocessor MCU is to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send reset command CMD0 under this pattern.If support that a large sum of money payment and online multipurpose contactless card of supplementing with money CS low level in receiving the reset command process is effective, then get into the SPI pattern, otherwise be operated in TF card mode bus.

B) cell-phone microprocessor MCU then gets into the order waiting status to after supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money carry out initialization.If cell-phone microprocessor MCU sends supporting E in a large sum of money payment and the online multipurpose contactless card of supplementing with money ²The instruction that PROM numerical value increases then must could be operated E through confirming authentication procedure ²The increase of numerical value instruction in the PROM.

C) specific practice of cell-phone microprocessor MCU simulation spi bus operation is: the original state of CLK line is set to 1, and is allowing to be changed to 0 again after the reception.Like this; Cell-phone microprocessor MCU is in 1 SCK clock of output; The interface chip serial will be moved to left; Thereby export 1 bit data to the MISO line, after this putting the CLK line again is 1, makes cell-phone microprocessor MCU export 1 bit data (earlier for high-order) to supporting CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money from the MOSI line.So far, simulating 1 bit data input and output just accomplishes.After this putting the CLK line again is 0, and simulation is the input and output of 1 bit data down, circulate according to this 8 times, can accomplish the operation of transmitting 8 bit data for 1 time through spi bus.

A, cell-phone microprocessor MCU to support a large sum of money payment and online multipurpose contactless card of supplementing with money initialization

A) cell-phone microprocessor MCU sends 74 clock period through the CLK of TF (MicroSD) hardware interface;

B) cell-phone microprocessor MCU sends initialization directive CMD0 through the CMD of TF (MicroSD) hardware interface;

C) cell-phone microprocessor MCU gets into the SPI pattern, sends activation command;

D) support the CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money to send response to cell-phone microprocessor MCU;

Does e) cell-phone microprocessor MCU receive response and the judgement of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money: BIT0=0?

F) if BIT0=0? Be Yes, initialization finishes; Being No, returning c) step restarts.

B, cell-phone microprocessor MCU to support a large sum of money payment and online multipurpose contactless card of supplementing with money read flow process

A) cell-phone microprocessor MCU is after accomplishing the initialization of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money, and cell-phone microprocessor MCU sends read instruction (CMD17) through TF (MicroSD) card hardware interface CMD;

B) CPU sends response in the novel non-contact card;

Does c) cell-phone microprocessor MCU detect response instruction=0xFE? If No returns step a) and restarts; If Yes receives the 512 bytes of user data pieces of supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money send, receive 2 CRC identifying codes subsequently;

D) reader finishes.

C, cell-phone microprocessor MCU are to supporting the flow process of writing of a large sum of money payment and online multipurpose contactless card of supplementing with money

A) cell-phone microprocessor MCU is after accomplishing the initialization of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money, and cell-phone microprocessor MCU sends write command (CMD24) through TF (MicroSD) card hardware interface CMD;

B) support that CPU sends response in a large sum of money payment and the online multipurpose contactless card of supplementing with money;

Does c) cell-phone microprocessor MCU receive response, and has judged whether time-out error? If have, return step a) and restart;

D) if do not have, cell-phone microprocessor MCU rings and supports a large sum of money payment and online multipurpose contactless card of supplementing with money to send data start flag, sends the data that 512 bytes write subsequently, 2 the CRC identifying codes of redispatching;

E) support a large sum of money payment and online multipurpose contactless card central processor CPU of supplementing with money to receive data and write E ²Behind the PROM, send to cell-phone microprocessor MCU through TF (MicroSD) and to write the instruction that finishes;

F) cell-phone microprocessor MCU passes through an acknowledgement command affirmation to the data block that each sends to oneself; It is 1 byte long; When being 00101 for low 5, show that data block is correctly write the E that supports in a large sum of money payment and the online multipurpose contactless card of supplementing with money ²PROM.If low by the 5=the 00101st, Yes, the end of then writing a program; If No, then must return a) step and write again.

(2) cell-phone microprocessor MCU and assigned ip address server system (merchant server system) communication process

A) cell-phone microprocessor MCU utilizes GPRS or 3G to be linked to the assigned ip address, and the game server system;

B) server system is accomplished cell-phone microprocessor MCU and after supporting the authentication procedure of a large sum of money payment and online multipurpose contactless card of supplementing with money, is being allowed cell-phone microprocessor MCU data access server application port;

C) data are made amendment on needs are implemented the assigned ip address server; Then need carry out " safe authentication procedure " or " affirmation authentication procedure "; After accomplishing the exchanges data deposit after accomplishing safe authentication procedure or confirming authentication procedure; Server system withdraws from, and cell-phone microprocessor MCU also withdraws from the state of communicating by letter with the assigned ip address server.

One of described safe authentication procedure (accompanying drawing 6) is as follows:

A) produce N position (as 64) random number G (each random number must be different) by the server system on the assigned ip address, simultaneity factor is sent input to mobile phone and is supported a large sum of money payment and 32 card number requests of online multipurpose contactless card of supplementing with money;

B) cell-phone microprocessor MCU reads through TF (MicroSD) interface and supports a large sum of money payment and 32 card numbers of online multipurpose contactless card of supplementing with money;

C) after 32 card numbers of the support a large sum of money payment that will read of cell-phone microprocessor MCU and online multipurpose contactless card of supplementing with money will be transferred to assigned ip address server system through GPRS or 3G, server system with this random number G with reserve 6 passwords depositing and 32 of obtaining and support as large sum of money payment and online multipurpose contactless card card number of supplementing with money to send into the system encryption storehouse to carry out computations and obtain end value H;

D) cell-phone microprocessor MCU receives the end value H that the server of assigned ip address sends through GPRS or 3G, and cell-phone microprocessor MCU supports a large sum of money payment and the interior CPU of online multipurpose contactless card of supplementing with money with 6 passwords of end value H that receives and cell phone keyboard input through supporting a large sum of money payment and online multipurpose contactless card hardware communication interface of supplementing with money (DAT0～3, CMD and CLK) to give with SPI (or TF card) mode transfer;

E) support the CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money to send to the encryption unit in the card at 6 the password that receives the input of end value H and cell phone keyboard;

F) encryption unit will be received behind 6 the key of end value H and cell phone keyboard input and support as large sum of money payment and online multipurpose contactless card card number of supplementing with money to decipher the rreturn value I that calculates N position (as 64) with 32 that are deposited in the encryption unit, and encryption unit is transferred to the interior central processor CPU of card through data line with rreturn value I;

G) hardware communication interface (DAT0～3, CMD and CLK) of supporting the CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money rreturn value I to be passed through block is given the MCU of mobile phone with SPI (or TF card) mode transfer;

H) cell-phone microprocessor MCU is utilizing GPRS or 3G that rreturn value I is transferred to assigned ip address server system;

I) the assigned ip address server compares N position (as 64) the random number G of rreturn value I and generation again, and if unanimity through the checking; If the inconsistent step a) of returning again is again through a verification process;

J) if 3 times all not through authentication, then system withdraws from authentication procedure.

Annotate: 6 keys can be stored in the assigned ip address server system in advance; Also can be deposited in the encryption unit of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money, only need when requiring to import 6 keys, to do respective operations during the safe authentication procedure design.

The concrete operation method of a large sum of money payment of the present invention, online recharge method and multi-usage card:

A, a large sum of money method of payment

1, will support a large sum of money payment and online multipurpose contactless card of supplementing with money to insert in mobile phone TF (MicroSD) card slot; Cell-phone microprocessor MCU sends supporting a large sum of money payment and online multipurpose contactless card initialization directive of supplementing with money after detecting payment of support a large sum of money and online multipurpose contactless card insertion of supplementing with money;

2, support the interior CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money after accomplishing initialization, get into the READY ready state;

3, after cell-phone microprocessor MCU selects to get into " a large sum of money payment " pattern; Support a large sum of money payment and online multipurpose contactless card of supplementing with money to utilize GRPS or the 3G network of mobile phone and assigned ip address server system to carry out authentication procedure; After authentication procedure was passed through, cell-phone microprocessor MCU got into the ACTIVE active state through TF (MicroSD) card to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send; If authentication does not pass, then cell-phone microprocessor MCU gets into the HALT halted state through TF (MicroSD) card to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send;

4 after supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money are in the ACTIVE active state; Trade company can will consume the antenna that payment informations such as the amount of money, name of firm, gathering account number modulation back is transmitted in the radio-frequency interface circuit of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through antenna through the RF read write line and receive, and the demodulator circuit in the radio-frequency interface circuit is transferred to the central processor CPU of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money after with the payment information demodulation that receives;

5, the payment information data after supporting central processor CPU in a large sum of money payment and the online multipurpose contactless card of supplementing with money with demodulation are transferred to cell-phone microprocessor MCU through the hardware communication interface (DAT0～3, CMD and CLK) that TF (MicroSD) blocks;

6, cell-phone microprocessor MCU utilizes GRPS or 3G mode to link and land assigned ip address server system, gets into " online payment " pattern of server system;

7, assigned ip address server system utilizes GPRS or 3G to send " safe authentication procedure " instruction to cell-phone microprocessor MCU; Cell-phone microprocessor MCU can eject input " payment cipher " menu on display screen, cell-phone microprocessor MCU reads through TF (MicroSD) and supports a large sum of money payment and 32 card number informations of online multipurpose contactless card of supplementing with money simultaneously;

8, etc. behind the cell phone keyboard input payment cipher, carry out safety certification according to " safety certifying method ".If safe authentication procedure is passed through; Cell-phone microprocessor MCU with the payment information data fill in automatically on the assigned ip address server system online transaction system the information place that will fill in; And carry out online payment and conclude the business; In this account, reduce behind the amount of money that will pay, and change the equal amount of money over to the account of trade company.

9, after assigned ip address server system accomplishes account transfer, send the completion payment instruction to cell-phone microprocessor MCU, can utilize short message mode the amount of money that is changed over to be sent on the mobile phone of trade company's appointment simultaneously through GPRS or 3G;

10, cell-phone microprocessor MCU is after receiving the completion payment instruction; To instruct to be transferred to payment of support a large sum of money and online multipurpose contactless card central processor CPU of supplementing with money, and send " withdrawing from online payment " instruction to assigned ip address server system through GPRS or 3G through TF (MicroSD) card;

11, instruction sends to radio frequency interface to support a large sum of money payment and online multipurpose contactless card central processor CPU of supplementing with money will " to accomplish payment ", and radio frequency interface will " be accomplished payment ", and instruction modulation back receives for the RF read write line of trade company through antenna transmission.

12, after the RF of trade company read write line receives " accomplish payment " instruction through the antenna radio frequency interface, go out the detailed bill of this transaction through printer prints, give the client sign confirm after, this payment process finishes.

B, merchant server system increase E in payment of support a large sum of money and the online multipurpose contactless card of supplementing with money ²The PROM amount of money (supplementing with money) method

3, after cell-phone microprocessor MCU selects to get into " supplementing with money " pattern; Support a large sum of money payment and online multipurpose contactless card of supplementing with money to utilize GRPS or the 3G network of mobile phone and merchant server system to carry out authentication procedure; After authentication procedure was passed through, cell-phone microprocessor MCU got into the ACTIVE active state through TF (MicroSD) card to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send; If authentication does not pass, then cell-phone microprocessor MCU gets into the HALT halted state through TF (MicroSD) card to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send;

4, after supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money are in the ACTIVE active state, cell-phone microprocessor MCU lands the merchant server system through GPRS or 3G link, and gets into " supplementing with money " pattern of merchant server system;

5, fill in the amount of money that will supplement with money, confirm correct after, the merchant server system gets into the online payment menu, through internet link to assigned ip address server system online payment pattern;

6, assigned ip address server system utilizes GPRS or 3G to send " safe authentication procedure (accompanying drawing 6) " instruction to cell-phone microprocessor MCU; Cell-phone microprocessor MCU can eject input " payment cipher " menu on display screen, cell-phone microprocessor MCU reads through TF (MicroSD) and supports a large sum of money payment and 32 card number informations of online multipurpose contactless card of supplementing with money simultaneously;

7, etc. behind 6 payment ciphers of keyboard input, cell-phone microprocessor MCU utilizes GPRS or 3G to send to assigned ip address server security of system authentication procedure 6 payment ciphers and 32 card numbers.If safe authentication procedure is passed through, server system carries out online payment transaction, in this account, reduce behind the amount of money that will pay, and change the equal amount of money over to the account of trade company.

8, after assigned ip address server system accomplishes account transfer, the automatic back link of assigned ip address server system is to the merchant server system and land the remaining sum after the inquiry system inquiry is transferred accounts, and selects afterwards to click to get into " writing contactless IC card " menu;

9, the merchant server system utilizes GPRS or 3G to send " confirming authentication procedure (seeing accompanying drawing 5) " request and on its webpage, show 6 affirmation key or with note 6 affirmation key mode is sent to cell-phone microprocessor MCU to cell-phone microprocessor MCU to receive;

10, cell-phone microprocessor MCU confirms authentication according to " confirming authentication procedure (seeing accompanying drawing 5) " after through the affirmation key of 6 of keyboard inputs; As passed through " affirmation authentication procedure "; Then merchant server system start-up " is supplemented program with money to contactless IC card ", utilizes GPRS or 3G to send " the numerical value increase is write " and carry out " numerical value of increase " operational order of the recharge amount of wanting to cell-phone microprocessor MCU;

11, cell-phone microprocessor MCU through TF (MicroSD) hardware interface, sends E to payment of support a large sum of money and online multipurpose contactless card central processor CPU of supplementing with money with the SPI pattern after receiving " the numerical value increase is write " and " numerical value of increase " instruction ²Numerical value increases write command in the PROM, and to E ²PROM writes increases received " numeral of increase ";

12, support the CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money to accomplish to E ²After the program that PROM numerical value increases, send " supplement with money and finish " instruction to cell-phone microprocessor MCU through TF (MicroSD) hardware interface;

13, after cell-phone microprocessor MCU obtains " supplement with money and finish " instruction, withdraw from and supplement menu with money, and send " withdraw from and supplement with money " program to the client server system through GPRS or 3G.

The mode of operation of C, multi-usage card

Owing to support a large sum of money payment and online multipurpose contactless card of supplementing with money to have the interface of communicating by letter with outside MCU; So just can realize the needs of different authentication read write line authentication, thereby replace the authentication function of other single-minded purposes cards through configuration different encrypted decryption software.In fact the realization of multi-usage card is exactly through loading, move various encrypt and decrypt software program, realizing the authentication of different authentication read write lines.Following two kinds of concrete operation method:

One, the numerical value ciphering process is at authentication read write line end (seeing accompanying drawing 3)

3, when supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to get in the authentication read write line field strength range, the authentication read write line sends the request of request authentication;

4, support a large sum of money payment and online multipurpose contactless card of supplementing with money to accept authentication request;

5, authentication read write line generation random number P, and the inner encryption unit of warp calculates authentication with computations numerical value Q, and after modulating circuit modulates, is transmitted to payment of support a large sum of money and online multipurpose contactless card reception of supplementing with money through antenna;

6, support a large sum of money payment and online multipurpose contactless card of supplementing with money to receive the authenticated encryption numerical signal, be transferred to central processor CPU data input pin in the card through the encryption numerical value Q after the demodulator circuit demodulation through antenna;

7, support the central processor CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money that authenticated encryption numerical value Q is transferred to cell-phone microprocessor MCU through TF (MicroSD) card hardware interface;

8, the inner encrypting and decrypting operational software of cell-phone microprocessor MCU calling mobile phone will be encrypted numerical value Q and carry out decrypt operation and obtain rreturn value R;

9, cell-phone microprocessor MCU sends to rreturn value R and supports the CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money to receive through TF (MicroSD) card hardware interface;

10, support a large sum of money payment and online multipurpose contactless card central processor CPU of supplementing with money that rreturn value R is transferred to modulating circuit modulates after antenna is transmitted to the reception of authentication read write line;

11, the authentication read write line connects antenna and receives rreturn value R and the random number of rreturn value signal after the demodulator circuit demodulation and compare, if consistent, through authentication; If inconsistent, return the 5th step and begin authentication again;

If all do not obtain for 12 3 times through, then move back authentication procedure.

Two, the numerical value ciphering process is in mobile phone end

5, the authentication read write line calls the random number generation and produces random number S, supports a large sum of money payment and online multipurpose contactless card reception of supplementing with money through modulating circuit modulates after antenna is transmitted to;

6, support a large sum of money payment and online multipurpose contactless card of supplementing with money to receive the authenticated encryption numerical signal, be transferred to central processor CPU data input pin in the card through the random number S after the demodulator circuit demodulation through antenna;

7, support the central processor CPU of a large sum of money payment and online multipurpose contactless card of supplementing with money that random number S is transferred to cell-phone microprocessor MCU through TF (MicroSD) card hardware interface;

8, cell-phone microprocessor MCU calls encryption software and obtains secret value T after with random number S cryptographic calculation;

9, cell-phone microprocessor MCU is transferred to the central processor CPU of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money with secret value T through TF (MicroSD) card hardware interface;

10, support a large sum of money payment and online multipurpose contactless card central processor CPU of supplementing with money again secret value to be transferred to modulating circuit modulates after antenna is transmitted to the reception of authentication read write line;

11, the antenna of authentication read write line receives after after the demodulator circuit demodulation secret value T is transferred to the inner deciphering parts deciphering of authentication read write line and generates decrypted value U;

12, is authentication read write line checking deciphering U consistent with random number S? If consistent, authentication passes; If inconsistent, return the authentication again of the 5th step;

If all do not obtain for 13 3 times through, then withdraw from authentication procedure.

Claims

1. support a large sum of money payment and online multipurpose contactless card of supplementing with money for one kind, comprising: the storer (E of the storer (ROM) of central processing unit (CPU), storage operating system, data-carrier store (RAM), storing applied data ²PROM), be used to encrypt or the encryption unit of decrypt operation, meet the radio-frequency interface circuit of ISO/IEC14443 or ISO/IEC15693 standard; Said radio-frequency interface circuit comprises modulation circuit, demodulator circuit and antenna circuit; It is characterized in that: also comprise and mobile phone TF or MicroSD card slot corresponding hardware communication interface, this hardware communication interface comprise the 0th to 3 data-interface (DAT0～3), CMD command communication interface, CLK clock input interface, positive source VCC interface, the GND interface; Wherein with TF or MicroSD card slot corresponding hardware communication interface in CLK clock input interface for supporting that central processing unit provides the work clock input in a large sum of money payment and the online multipurpose contactless card of supplementing with money, be connected to central processing unit (CPU) the clock signal input terminal mouth of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The the 0th to 3 data input/output interface (DAT0～3) is connected to the data IO port of supporting central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money for the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money provides data communication interface with cell-phone microprocessor (MCU); The order input/output terminal CMD of hardware communication interface connects the data IO port of central processing unit (CPU), promptly is connected to the data IO port of supporting the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The VCC interface provides the port of direct supply for supporting a large sum of money payment and the interior all functions circuit of online multipurpose contactless card of supplementing with money, is connected to the power input of each functional circuit in the card; The GND interface provides grounding ports for supporting all functions circuit in a large sum of money payment and the online multipurpose contactless card of supplementing with money, is connected to the earth terminal of each functional circuit in the card.

2. support a large sum of money payment according to claim 1 and online multipurpose contactless card of supplementing with money is characterized in that: the storer of storage operating system (ROM) is connected to address end and the data terminal of supporting central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money through address bus and data bus; Data-carrier store (RAM) is used to store operational data, is connected to address end and the data terminal of supporting central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money through address bus and data bus; Storer (the E of storing applied data ²PROM) be connected to address end and the data terminal of supporting central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money through address bus and data bus; Encryption unit is connected to through data line and supports central processing unit (CPU) data input/output terminal in a large sum of money payment and the online multipurpose contactless card of supplementing with money, with the encryption of data or central processing unit (CPU) communication of deciphering result of calculation and Ka Nei; The data input pin that meets the modulation circuit in the radio-frequency interface circuit of ISO/IEC14443 or ISO/IEC15693 standard is connected to the data output end of supporting central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money; The output terminal of modulation circuit is connected on the antenna circuit; Data after central processing unit (CPU) handled are connected to the input end of modulation circuit through central processing unit (CPU) data output end, are transmitted to the reception of RF read write line through antenna circuit again after the modulating circuit modulates in radio-frequency interface circuit; Antenna circuit connects the input end of the demodulator circuit in the radio-frequency interface circuit; Antenna circuit is received data that the RF read write line sends after the demodulator circuit demodulation, be connected to the data input pin of supporting central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money through the demodulator circuit data output end.

3. support a large sum of money payment according to claim 1 and online multipurpose contactless card of supplementing with money; It is characterized in that: storer (ROM), the data-carrier store (RAM) of central processing unit (CPU), storage operating system is integrated into the storer (ROM) that contains central processing unit (CPU) and storage operating system and the microprocessor of data-carrier store (RAM); The data input/output terminal DAT2 of said microprocessor connects the data-interface DAT2 with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The data input/output terminal CS/DAT3 of said microprocessor connects the data-interface CD/DAT3 with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The order input/output terminal of said microprocessor (CMD the 46th pin) connects the CMD command communication interface with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The input end of clock of said microprocessor (CLK the 44th pin) connects the CLK clock input interface with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The data input/output terminal DAT0 of said microprocessor connects the data-interface DAT0 with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The data input/output terminal DAT1 of said microprocessor connects the data-interface DAT1 with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The power positive end of said microprocessor (VCC6 the 2nd pin) connect with the positive source VCC (the 4th pin) of mobile phone TF or MicroSD card slot corresponding hardware communication interface and on this line through an electric capacity (C1) ground connection of connecting; The output terminal of clock of said microprocessor (DAT5 the 7th pin) connects the input end of clock mouth (SCL the 6th pin) of encryption unit, and the address port of the storer of the connection storing applied data of said microprocessor (ED0 the 9th pin, ED1 the 15th pin, ED2 the 13rd pin, ED3 the 12nd pin) connects the storer (E of storing applied data through address bus ²PROM) address end (A0 the 20th pin, A1 the 19th pin, A2 the 18th pin, A3 the 17th pin), the data IO port of the storer of the connection storing applied data of said microprocessor (ED4 the 17th pin, ED5 the 34th pin, ED6 the 18th pin, ED7 the 32nd pin) connects the storer (E of storing applied data respectively ²PROM) data input/output terminal (DQ0 the 21st pin, DQ1 the 22nd pin, DQ2 the 23rd pin, DQ3 the 25th pin), the output enable end of said microprocessor (OE_N the 20th pin) connects the storer (E of storing applied data ²PROM) output enable end (OE# the 32nd pin), the chip enable end of said microprocessor (CE0_N the 21st pin) connects the storer (E of storing applied data ²PROM) chip enable end (CE# the 30th pin), the storer (E that writes Enable Pin (WE_N the 27th pin) connection storing applied data of said microprocessor ²PROM) write Enable Pin (WE# the 7th pin); The data input pin DAT7 of said microprocessor connects demodulator circuit data output end (R_DO) in the radio-frequency interface circuit that meets ISO/IEC14443 or ISO/IEC15693 standard; The data output end DAT6 of said microprocessor connects the data input pin (R_DI) of modulation circuit in the radio-frequency interface circuit that meets ISO/IEC14443 or ISO/IEC15693 standard; The earth terminal of said microprocessor (GND the 45th pin) connects the GND (the 6th pin) with mobile phone TF or MicroSD card slot corresponding hardware communication interface, and the data input/output terminal DAT4 of said microprocessor connects the data input/output terminal (SDA the 5th pin) of encryption unit; Preserve the storer (E of user's application data ²PROM) positive source (VDD the 8th pin) connects with the positive source VCC (the 4th pin) of mobile phone TF or MicroSD card slot corresponding hardware communication interface and on this line and is connected ground through an electric capacity of series connection (C4), and earth terminal (VSS the 24th pin) connects the GND with mobile phone TF or MicroSD card slot corresponding hardware communication interface; The connected storage address end of microprocessor in the address end Connection Card of encryption unit; State of activation mode selection terminal (STA the 2nd pin) selects high level or low level to activate according to concrete active mode; Earth terminal (GND the 4th pin) ground connection, positive source (VCC the 8th pin) connects the positive source (VCC) with mobile phone TF or MicroSD card slot corresponding hardware communication interface.

4. the method that is used for a large sum of money payment according to claim 1 or the payment of 2 or 3 described support as large sum of money and online multipurpose contactless card of supplementing with money:

Be inserted with the mobile phone of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through GPRS or 3G connect land assigned ip address server system and accomplish authentication procedure after; Trade company utilizes REID to be transferred to the antenna of supporting in a large sum of money payment and the online multipurpose contactless card radio frequency interface of supplementing with money through the RF read write line payment informations such as own name of account, number of the account and dealing money and receives; Be transferred to the data input pin of the central processing unit in the card after the signal demodulation of demodulator circuit in the radio frequency interface with the antenna reception, central processing unit is transferred to cell-phone microprocessor (MCU) with data through the data-interface in TF or the MicroSD card hardware communication interface and receives; Cell-phone microprocessor (MCU) connects and lands the online payment system of assigned ip address server system through GPRS or 3G; After accomplishing safe authentication procedure; Cell-phone microprocessor (MCU) is accomplished payment information through GPRS or 3G the making a report on of online payment system name on account, number of the account and dealing money of assigned ip address server system automatically, thereby accomplishes the transfer of payment transaction.

5. be used for online mode according to claim 1 or the payment of 2 or 3 described support as large sum of money and online multipurpose contactless card of supplementing with money and give the method for supplementing with money in the card:

Be inserted with the mobile phone of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through GPRS or 3G connect land the merchant server system and accomplish authentication procedure after; Get into the program of supplementing with money of server system; Select behind the amount of money that will supplement with money; The merchant server system automatically links to the online transaction system in the assigned ip address server system through the internet, after accomplishing safe authentication procedure and transferring accounts, returns merchant server system account inquiry menu automatically; After selecting to supplement option with money to multipurpose contactless card, the merchant server system will show on its homepage or be transferred to the designated mobile phone confirmation codes that number affirmation is supplemented with money through note; After accomplishing the affirmation authentication procedure; The merchant server system utilizes cell-phone microprocessor (MCU) to give through TF or MicroSD card hardware communication interface through GPRS or 3G and supports that numerical value carries out add operation in a large sum of money payment and the online multipurpose contactless card of supplementing with money, the numerical value that is increased for the numerical value that will supplement with money.

6. be adapted to the versatile method of multiple authentication according to claim 1 or the payment of 2 or 3 described support as large sum of money and online multipurpose contactless card of supplementing with money,

A kind of method is: after will being inserted with the mobile phone response authentication read write line authentication request of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money; The authentication read write line is inner to be produced random number and after encryption unit is encrypted, obtains authentication with encrypting numerical value; The authentication read write line is transmitted to authenticated encryption numerical value again through radio frequency interface supports the radio frequency interface of a large sum of money payment and online multipurpose contactless card of supplementing with money to receive; Support the central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money that authenticated encryption numerical value is transferred to cell-phone microprocessor (MCU) through TF or MicroSD card hardware communication interface; Encrypting and decrypting software on cell-phone microprocessor (MCU) calling mobile phone carries out decrypt operation to authenticated encryption numerical value; After obtaining rreturn value; Be transferred to payment of support a large sum of money and online multipurpose contactless card of supplementing with money through TF or MicroSD card hardware communication interface; And be transmitted to the authentication read write line through radio frequency interface, and the authentication read write line is verified contrast to rreturn value and the random number of supporting a large sum of money payment and online multipurpose contactless card emission of supplementing with money, unanimity is then through authentication;

Another kind method is: after will being inserted with the mobile phone response authentication read write line authentication request of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money; The inner random number that produces of authentication read write line; The authentication read write line is transmitted to random number again through radio frequency interface supports the radio frequency interface of a large sum of money payment and online multipurpose contactless card of supplementing with money to receive; Support the central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money that random number is transferred to cell-phone microprocessor (MCU) through TF or MicroSD card hardware communication interface; Encrypting and decrypting software on cell-phone microprocessor (MCU) calling mobile phone carries out cryptographic calculation to random number; After obtaining secret value; Be transferred to payment of support a large sum of money and online multipurpose contactless card of supplementing with money through TF or MicroSD card hardware communication interface, and be transmitted to the authentication read write line through radio frequency interface, the authentication read write line carries out decrypt operation to the secret value of supporting a large sum of money payment and online multipurpose contactless card emission of supplementing with money; Decrypted value and the random number of authentication read write line after with decrypt operation verified contrast, and unanimity is then through authentication.

7. support a large sum of money payment according to claim 4 and online multipurpose contactless card of supplementing with money are used for the method for a large sum of money payment:

(1) will support a large sum of money payment and online multipurpose contactless card of supplementing with money to insert in mobile phone TF or the MicroSD card slot; Cell-phone microprocessor (MCU) sends and supports a large sum of money payment and online multipurpose contactless card initialization directive of supplementing with money after detecting payment of support a large sum of money and online multipurpose contactless card insertion of supplementing with money;

(2) support the interior central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money after accomplishing initialization operation, get into the READY ready state;

(3) after cell-phone microprocessor (MCU) is selected to get into " a large sum of money payment " pattern; Support a large sum of money payment and online multipurpose contactless card of supplementing with money to utilize GRPS or the 3G network of mobile phone and assigned ip address server system to carry out authentication procedure; After authentication procedure was passed through, cell-phone microprocessor (MCU) got into the ACTIVE active state through TF or MicroSD card hardware communication interface to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send; If authentication does not pass, then cell-phone microprocessor (MCU) gets into the HALT halted state through TF or MicroSD card hardware communication interface to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send;

(4) after supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money are in the ACTIVE active state; Trade company will consume the antenna that payment informations such as the amount of money, name of firm, gathering account number modulation back is transmitted in the radio-frequency interface circuit of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money through antenna and receive through the RF read write line, the demodulator circuit in the radio-frequency interface circuit is transferred to the central processing unit of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money (CPU) after with the payment information demodulation that receives;

(5) support the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money that the hardware communication interface (DAT0～3, CMD and CLK) of the payment information data after the demodulation through TF or MicroSD card is transferred to cell-phone microprocessor (MCU);

(6) cell-phone microprocessor (MCU) utilizes GRPS or 3G mode to link and land assigned ip address server system, gets into " online payment " pattern of server system;

(7) assigned ip address server system utilizes GPRS or 3G to send " safety certification " instruction to cell-phone microprocessor (MCU); Cell-phone microprocessor (MCU) can eject input " payment cipher " menu on display screen, cell-phone microprocessor (MCU) reads through TF or MicroSD card hardware communication interface and supports a large sum of money payment and online multipurpose contactless card card number information of supplementing with money simultaneously;

(8) etc. behind the cell phone keyboard input payment cipher; Carry out safety certification according to " safety certifying method "; If safe authentication procedure is passed through; Cell-phone microprocessor (MCU) with the payment information data fill in automatically on the assigned ip address server system online transaction system the information place that will fill in; And carry out online payment and conclude the business; In this account, reduce behind the amount of money that will pay, and change the equal amount of money over to the account of trade company;

(9) after assigned ip address server system accomplishes account transfer, send the completion payment instruction to cell-phone microprocessor (MCU), can utilize short message mode the amount of money that is changed over to be sent on the mobile phone of trade company's appointment simultaneously through GPRS or 3G;

(10) cell-phone microprocessor (MCU) is after receiving the completion payment instruction; This instruction is transferred to the central processing unit of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money (CPU) through TF or MicroSD card hardware communication interface, and sends " withdrawing from online payment " instruction to assigned ip address server system through GPRS or 3G;

(11) instruction sends to radio frequency interface to support a large sum of money payment and online multipurpose contactless card central processing unit (CPU) of supplementing with money will " to accomplish payment ", and radio frequency interface will " be accomplished payment ", and instruction modulation back receives for the RF read write line of trade company through antenna transmission;

(12) after the RF of trade company read write line receives " accomplish payment " instruction through radio frequency interface, go out the detailed bill of this transaction through printer prints, give the client sign confirm after, this payment process finishes.

8. according to the authentication procedure method of claim 1 or payment of 2 or 3 described support as large sum of money and online multipurpose contactless card of supplementing with money:

(2) cell-phone microprocessor (MCU) reads through TF or MicroSD card hardware communication interface and supports a large sum of money payment and online multipurpose contactless card card number of supplementing with money;

(3) after the support a large sum of money payment that will read of cell-phone microprocessor (MCU) and online multipurpose contactless card card number of supplementing with money were transferred to assigned ip address server system through GPRS or 3G, server system was sent this random number and the support a large sum of money payment that obtains and online multipurpose contactless card card number of supplementing with money into the system encryption storehouse and is carried out computations and obtain end value;

(4) mobile phone is through the end value of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor (MCU) is transferred to the central processing unit of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money (CPU) with the end value that receives through TF or MicroSD card hardware communication interface (DAT0～3, CMD and CLK) with SPI or TF mode card;

(5) support the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money receiving end value and be deposited in the payment of support a large sum of money and online multipurpose contactless card card number of supplementing with money in the encryption unit and give encryption unit and decipher and calculate rreturn value, encryption unit is transferred to the interior central processing unit (CPU) of card through data line;

(6) support the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money that rreturn value is transferred to cell-phone microprocessor (MCU) through the hardware communication interface (DAT0～3, CMD and CLK) of blocking with SPI or TF mode card;

(7) cell-phone microprocessor (MCU) utilizes GPRS or 3G that rreturn value is transferred to assigned ip address server system again;

9. according to the safe authentication procedure method of claim 1 or payment of 2 or 3 described support as large sum of money and online multipurpose contactless card of supplementing with money:

A kind of method is: key resides on the assigned ip address server

(3) after the support a large sum of money payment that will read of cell-phone microprocessor (MCU) and online multipurpose contactless card card number of supplementing with money will be transferred to assigned ip address server system through GPRS or 3G, server system with this random number with reserve key of depositing and the support a large sum of money that obtains payment and online multipurpose contactless card card number of supplementing with money and send into the system encryption storehouse and carry out computations and obtain end value;

(4) mobile phone is through the end value of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor (MCU) is transferred to card interior central processing unit (CPU) through supporting a large sum of money payment and online multipurpose contactless card hardware communication interface of supplementing with money (DAT0～3, CMD and CLK) with SPI or TF mode card with the key of end value that receives and cell phone keyboard input;

(5) central processing unit (CPU) sends to the encryption unit in the card at the key that receives the input of end value and cell phone keyboard;

(6) encryption unit is deciphered the rreturn value that calculates with the payment of support a large sum of money and the online multipurpose contactless card card number of supplementing with money that are deposited in the encryption unit behind the key of receiving the input of end value and cell phone keyboard, and encryption unit is transferred to the central processing unit (CPU) in the card through data line with rreturn value;

(7) support the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money that rreturn value is transferred to cell-phone microprocessor (MCU) through the hardware communication interface (DAT0～3, CMD and CLK) of blocking with SPI or TF mode card;

(8) cell-phone microprocessor (MCU) is utilizing GPRS or 3G that rreturn value is transferred to assigned ip address server system;

(10) can set certain naturally for several times all not through authentication, then system withdraws from authentication;

(2) cell-phone microprocessor (MCU) reads through TF or MicroSD card hardware communication interface and supports a large sum of money payment and online multipurpose contactless card card number of supplementing with money and pass through cell phone keyboard input payment key;

(4) mobile phone is through the end value of the server transmission of GPRS or 3G reception assigned ip address, and cell-phone microprocessor (MCU) is transferred to payment a large sum of money payment and online central processing unit (CPU) of supplementing multipurpose contactless card in through TF or MicroSD card hardware communication interface (DAT0～3, CMD and CLK) with SPI or TF mode card with the end value that receives;

(5) support the central processing unit (CPU) in a large sum of money payment and the online multipurpose contactless card of supplementing with money to send to the encryption unit in the card receiving end value;

(6) encryption unit is deciphered the rreturn value that calculates to receiving end value and the payment of payment key key and the online multipurpose contactless card card number of supplementing with money that reside in the encryption unit, and

data line is transferred to the central processing unit (CPU) in the card with rreturn value;

(7) support that (rreturn value is passed through the hardware communication interface (DAT0～3, CMD and CLK) of card with SPI or TF mode card cell-phone microprocessor (MCU) to the interior central processing unit of a large sum of money payment and online multipurpose contactless card of supplementing with money;

(8) cell-phone microprocessor (MCU) is utilizing GPRS or 3G that rreturn value is transferred to assigned ip ground

affair device system;

10. support a large sum of money payment according to claim 5 and online multipurpose contactless card of supplementing with money are used for online mode and give the method for supplementing with money in the card:

(1) will support a large sum of money payment and online multipurpose contactless card of supplementing with money to insert in mobile phone TF or the MicroSD card slot; Cell-phone microprocessor (MCU) sends supporting a large sum of money payment and online multipurpose contactless card initialization directive of supplementing with money after detecting payment of support a large sum of money and online multipurpose contactless card insertion of supplementing with money;

(3) after cell-phone microprocessor (MCU) is selected to get into " supplementing with money " pattern; Support a large sum of money payment and online multipurpose contactless card of supplementing with money to utilize GRPS or the 3G network of mobile phone and merchant server system to carry out authentication procedure; After authentication procedure was passed through, cell-phone microprocessor (MCU) got into the ACTIVE active state through TF or MicroSD card hardware communication interface to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send; If authentication does not pass, then cell-phone microprocessor (MCU) gets into the HALT halted state through TF or MicroSD card hardware communication interface to supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to send;

(4) after supporting that a large sum of money payment and online multipurpose contactless card of supplementing with money are in the ACTIVE active state, cell-phone microprocessor (MCU) lands the merchant server system through GPRS or 3G link, and gets into " supplementing with money " pattern of merchant server system;

(5) fill in the amount of money that will supplement with money, confirm correct after, the merchant server system gets into the online payment menu, through internet link to assigned ip address server system online payment pattern;

(6) assigned ip address server system utilizes GPRS or 3G to send " safety certification " instruction to cell-phone microprocessor (MCU); Cell-phone microprocessor (MCU) can eject input " payment cipher " menu on display screen, cell-phone microprocessor (MCU) reads through TF or MicroSD card hardware communication interface and supports a large sum of money payment and online multipurpose contactless card card number information of supplementing with money simultaneously;

(7) etc. behind the keyboard input payment cipher, cell-phone microprocessor (MCU) utilizes GPRS or 3G to send to assigned ip address server security of system authentication procedure payment cipher and card number; If safe authentication procedure is passed through, server system carries out online payment transaction, in this account, reduce behind the amount of money that will pay, and change the equal amount of money over to the account of trade company;

(8) after assigned ip address server system accomplishes account transfer, the automatic back link of assigned ip address server system is to the merchant server system and land the remaining sum after the inquiry system inquiry is transferred accounts, and selects afterwards to click to get into " writing contactless IC card " menu;

(9) the merchant server system utilizes GPRS or 3G to ask and on its webpage, show to confirm key or will confirm that with note the key mode sends to cell-phone microprocessor (MCU) and receives to cell-phone microprocessor (MCU) transmission " affirmation authentication procedure ";

(10) cell-phone microprocessor (MCU) is confirmed authentication according to " affirmation authentication method " after through keyboard input validation key; As passed through " affirmation authentication "; Program " is supplemented " in then merchant server system start-up with money to contactless IC card, utilize GPRS or 3G to send " the numerical value increase is write " and carry out " numerical value of increase " operational order of the recharge amount of wanting to cell-phone microprocessor (MCU);

(11) cell-phone microprocessor (MCU) is after receiving " the numerical value increase is write " and " numerical value of increase " instruction; Through TF or MicroSD card hardware communication interface, send storer (E to payment of support a large sum of money and online multipurpose contactless card central processing unit (CPU) of supplementing with money to storing applied data with SPI or TF mode card ²PROM) interior numerical value increases write command, and to the storer (E of storing applied data ²PROM) write increase received " numeral of increase ";

(12) central processing unit (CPU) of supporting a large sum of money payment and online multipurpose contactless card of supplementing with money is at the storer (E that accomplishes storing applied data ²PROM) after the program that numerical value increases, send " supplement with money and finish " instruction to cell-phone microprocessor MCU through TF or MicroSD card hardware communication interface;

(13) after cell-phone microprocessor (MCU) obtains " supplement with money and finish " instruction, withdraw from and supplement menu with money, and send " withdraw from and supplement with money " program to the client server system through GPRS or 3G.

11. affirmation authentication procedure method according to claim 1 or 2 or 3 described support a large sum of money payments and online multipurpose contactless card of supplementing with money:

(3) cell-phone microprocessor (MCU) receives the end value that the merchant server system sends through GPRS or 3G;

(5) cell-phone microprocessor (MCU) will utilize TF or MicroSD card hardware communication interface to be transferred to the central processing unit (CPU) of payment of support a large sum of money and online multipurpose contactless card of supplementing with money through the affirmation password and the end value of cell phone keyboard input;

(6) support a large sum of money payment and online multipurpose contactless card central processing unit (CPU) of supplementing with money will confirm that password, end value, the payment of support a large sum of money and online multipurpose contactless card card number of supplementing with money give the interior encryption unit of card and carry out decrypt operation and obtain rreturn value, encryption unit is transferred to the interior central processing unit (CPU) of card through data line with rreturn value;

(7) support the central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money that rreturn value is flowed to cell-phone microprocessor (MCU) through TF or MicroSD card hardware communication interface;

12. support a large sum of money payment according to claim 6 and online multipurpose contactless card of supplementing with money are adapted to the versatile method of multiple authentication:

A kind of method is: the numerical value ciphering process is at authentication read write line end

(2) support a large sum of money payment and online multipurpose contactless card of supplementing with money interior (CPU) after accomplishing initialization, get into the READY ready state;

(3) when supporting a large sum of money payment and online multipurpose contactless card of supplementing with money to get in the authentication read write line field strength range, the authentication read write line sends the request of request authentication;

(4) support a large sum of money payment and online multipurpose contactless card of supplementing with money to accept authentication request;

(5) authentication read write line generation random number, and the encryption unit through inside calculates authentication and uses computations numerical value, and after modulating circuit modulates, is transmitted to payment of support a large sum of money and online multipurpose contactless card reception of supplementing with money through antenna;

(6) support a large sum of money payment and online multipurpose contactless card of supplementing with money to receive the authenticated encryption numerical signal, be transferred to central processing unit (CPU) data input pin in the card through the encryption numerical value after the demodulator circuit demodulation through antenna;

(7) support the central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money that authenticated encryption numerical value is transferred to cell-phone microprocessor (MCU) through TF or MicroSD card hardware communication interface;

(8) the inner encrypting and decrypting operational software of cell-phone microprocessor (MCU) calling mobile phone will be encrypted numerical value and carry out decrypt operation and obtain rreturn value;

(9) cell-phone microprocessor (MCU) sends to rreturn value and supports (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money to receive through TF or MicroSD card hardware communication interface;

(10) support a large sum of money payment and online multipurpose contactless card central processing unit (CPU) of supplementing with money that rreturn value is transferred to modulating circuit modulates after antenna is transmitted to the reception of authentication read write line;

(11) the authentication read write line connects antenna and receives rreturn value and the random number of rreturn value signal after the demodulator circuit demodulation and compare, if consistent, through authentication; If inconsistent, return (5) step and begin authentication again;

(12) can set certain naturally for several times all not through authentication, then system withdraws from authentication;

Another kind method is: the numerical value ciphering process is in mobile phone end:

(2) support the interior central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money after accomplishing initialization, get into the READY ready state;

(5) the authentication read write line calls randomizer and produces random number, supports a large sum of money payment and online multipurpose contactless card of supplementing with money to receive through modulating circuit modulates after antenna is transmitted to;

(6) support a large sum of money payment and online multipurpose contactless card of supplementing with money to receive the authenticated encryption numerical signal, be transferred to central processing unit (CPU) data input pin in the card through the random number after the demodulator circuit demodulation through antenna;

(7) support the central processing unit (CPU) of a large sum of money payment and online multipurpose contactless card of supplementing with money that random number is transferred to cell-phone microprocessor (MCU) through TF or MicroSD card hardware communication interface;

(8) cell-phone microprocessor (MCU) calls encryption software and obtains secret value after to the random number cryptographic calculation;

(9) cell-phone microprocessor (MCU) is transferred to the central processing unit of supporting in a large sum of money payment and the online multipurpose contactless card of supplementing with money (CPU) with secret value through TF or MicroSD card hardware communication interface;

(10) support a large sum of money payment and online multipurpose contactless card central processing unit (CPU) of supplementing with money again secret value to be transferred to modulating circuit modulates after antenna is transmitted to the reception of authentication read write line;

(11) antenna of authentication read write line receives after after the demodulator circuit demodulation secret value is transferred to the inner deciphering parts deciphering of authentication read write line and generates decrypted value;

(12) whether authentication read write line checking decrypted value is consistent with random number, if consistent, authentication passes; If inconsistent, return the authentication again of (5) step;

(13) can set certain naturally for several times all not through authentication, then system withdraws from authentication.