CN102063635B - Multi-interface mobile payment smart card and control method thereof - Google Patents
Multi-interface mobile payment smart card and control method thereof Download PDFInfo
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Abstract
The invention relates to a multi-interface mobile payment smart card integrated with a SWP (Single Wire Protocol) communication smart card chip and a dual-interface smart card chip. The SWP communication smart card chip is provided with an ISO (International Standards Organization) 7816 interface and a SWP (Single Wire Protocol) interface, the dual-interface smart card chip is provided with an ISO 7816 interface and a RF (Radio Frequency) interface, and the SWP communication smart card chip is connected with the dual-interface smart card chip through the ISO 7816 interface so as to solely issue payment instruction data through a STK (SIM Tool Kit) menu or an OTA (Over-The-Air) extended instruction or send a payment instruction data received from the ISO 7816 interface or the SWP interface to the dual-interface smart card chip for processing. The invention also provides a method for controlling the multi-interface mobile payment smart card. The multi-interface mobile payment smart card provided by the invention can provide different non-contact payment interfaces to be compatible with the development from movable phone terminals to the SWP payment mode, can effectively meet user needs and standard development and decrease the use cost.
Description
[technical field]
The present invention relates to mobile payment intelligent card, relate in particular to a kind of many interface mobile payment intelligent cards and control method thereof.
[background technology]
Mobile payment intelligent card is a kind of smart card that is applied to realize on the mobile phone terminal near field payment function, present each large telecom operators and bank, the relevant research and development of the numerous and confused tissue such as Unionpay and application various solutions occurred, so that its development is a splendid legacy.
At present, the realization of mobile payment on terminal mainly depends on following dual mode.
First kind of way be directly on the hardware platform that mobile phone provides Application and Development realize.NFC (Near Field Communication such as Japanese NTT DoCoMo, close range wireless communication) mobile phone, be used for realizing the radio frequency chip of wireless telecommunications and realize that the chip of security control all is integrated into the mainboard of mobile phone, the payment that is provided by operator is provided on the mobile phone uses, thereby provide the mobile payment service for the user.
Another mode then is to realize by the communication intelligent card of integrated belt payment function on mobile phone.
Since the second way payment use integrated aspect more flexible, and need not to bind specific mobile phone, reduced the user and used threshold, therefore more operator favors.With the communication intelligence card request of integrated payment function when realizing communication function supported, can also support wireless radio interface with non-contact function such as support near field payments, therefore have typical two interfaces ability to work, can be applied in simultaneously mobile communication and contactless payment field.
For above-mentioned mobile payment intelligent card, the realization of communication function requires with traditional communication intelligent card in full accord, also is to realize being connected with mobile communication by the ISO7816-3 interface.For the realization of contactless payment function, then there is the multiple interfaces settling mode, wherein the 13.56MHz technology of main flow comprises two kinds of interface schemes:
(1) SWP (Single Wire Protocol, single-wire-protocol) interface.Intelligent card chip is followed the technical manuals such as ETSI102.613, carry out exchanges data by the NFC chip on SWP agreement and the mobile phone terminal, mobile phone NFC chip then carries out wireless telecommunications with 13.56MHz mode and POS, thereby smart card has been realized the radio communication with POS indirectly.
(2) the integrated 13.56MHz radio frequency interface of double-interface card.The inner directly integrated radio frequency control chip of 13.56MHz of double-interface card, its non-contact interface support be ISO/IEC 14443A﹠amp; The B standard.After double-interface card is made communication intelligent card, on the card of communication intelligent card, further connect antenna and just can realize data interaction with POS.
Above-mentioned interface mode can be realized the wireless data communication of mobile payment card and POS, and wherein the SWP protocol mode is the standard solution of ETSI tissue definition.Than two interface communications smart card solution, the less radio-frequency of its non-contact function realizes that part is provided specially by mobile phone, rather than the mode of two interface communications smart card by outer subsides antenna realizes.Because the difference that antenna equipment is realized, Comparatively speaking, the radio communication of the non-contact function that the SWP mobile phone provides has better stability.
Even so, also be in the reason at initial stage owing to the development in mobile payment market, support the mobile phone terminal of SWP function on the present stage market also seldom, basically belong to test character, therefore a large amount of all right and wrong SWP mobile phones that exist on the market need to could realize mobile payment function by the mobile payment card that installation has two interface functions.
For above-mentioned situation, be necessary to realize a kind of mobile payment intelligent card scheme, so that the user can be linked into by the mode of double-interface card the mobile payment service when not popularizing the SWP terminal, in a single day and upgrading to the mobile phone terminal of supporting the SWP function, the user only needs simple operations just can automatically adapt to the SWP interface.
[summary of the invention]
In view of this, the invention provides many interface mobile payment intelligent cards of a kind of compatible SWP mobile payment and double-interface card mobile payment.
A kind of many interface mobile payment intelligent cards, described many interface mobile payment intelligent cards are integrated with SWP communication intelligent card chip and Double interface intelligent card chip, described SWP communication intelligent card chip has ISO 7816 interfaces and SWP interface, described Double interface intelligent card chip has ISO 7816 interfaces and RF interface, described SWP communication intelligent card chip is processed with being connected that Double interface intelligent card chip connects that with ISO 7816 interfaces described SWP communication intelligent card chip is initiated by STK menu or OTA extended instruction self or sending to described Double interface intelligent card chip from the payment instruction data that its described ISO 7816 interfaces or described SWP interface receive, described many interface mobile payment intelligent cards dispose the exterior antenna that is connected with the RF interface of described Double interface intelligent card chip when dispatching from the factory, the RF interface of described Double interface intelligent card chip can the form with the RF signal receive or send payment information after connecting exterior antenna, after described many interface mobile payment intelligent card is removed exterior antenna and is inserted into the mobile phone of supporting the SWP interface, can be connected to receive with the NFC chip of mobile phone by the SWP interface of described SWP communication intelligent card chip or send mobile payment information.
Preferably, two interfaces on the described SWP communication intelligent card chip are respectively by being communicated with the control of action to two switches, the control whether realization is inputted power supply and the clock signal of described Double interface intelligent card chip, described SWP communication intelligent card determines by the input of control power supply and clock signal whether described Double interface intelligent card chip works under ISO 7816 interface modes.
Preferably, when described SWP communication intelligent card chip is worked under the ISO7816 interface modes at the described Double interface intelligent card chip of activation, the RF interface conductively-closed of described Double interface intelligent card chip, the instruction of described Double interface intelligent card chip obtains from described SWP communication intelligent card chip.
Preferably, adopt the T=0 agreement communication of ISO7816-3 between described SWP communication intelligent card chip and the described Double interface intelligent card chip.
Preferably, the frequency of described RF interface is 13.56MHz.
Preferably, described SWP communication intelligent card chip and described Double interface intelligent card chip are integrated on described many interface mobile payment intelligent cards by system in package technique.
In view of this, the present invention also provides a kind of method of mobile payment of above-mentioned many interface mobile payment intelligent cards.
A kind of method of controlling above-mentioned many interface mobile payment intelligent cards, when described mobile payment intelligent card is connected with described exterior antenna, during the close noncontact POS machine of described mobile payment intelligent card, the RF interface of described Double interface intelligent card chip starts, and receives also emission mobile payment instruction.When described mobile payment intelligent card removed described exterior antenna and inserts mobile phone terminal, the mobile payment flow process of described mobile payment intelligent card may further comprise the steps: described SWP communication intelligent card chip is initiated by STK menu or OTA extended instruction self or is received the mobile payment instruction from its described ISO 7816 interfaces or described SWP interface; Described SWP communication intelligent card chip is connected described power switch and is made the activation that powered on of described Double interface intelligent card chip, described SWP communication intelligent card chip is connected described clock switch, make described Double interface intelligent card chip obtain identical clock signal input source, thereby with the synchronous swap data of the communication of realization and SWP communication intelligent card chip; The SWP agreement mobile payment instruction transformation that described SWP communication intelligent card chip receives becomes the T=0 protocol instructions of ISO 7816-3 and sends described Double interface intelligent card chip to; Described Double interface intelligent card chip processing instruction and return results are given described SWP communication intelligent card chip; And described SWP communication intelligent card chip result that described Double interface intelligent card chip is returned by the T=0 agreement of ISO 7816-3 sends to mobile phone terminal after being converted to the SWP protocol form.
Many interface mobile payment intelligent cards provided by the present invention are integrated with SWP communication intelligent card chip and Double interface intelligent card chip, and two chips can provide different payment function interfaces, thereby compatible mobile phone terminal is to the development of SWP payment mode.By above-mentioned many interface mobile payment intelligent cards and control method thereof, the user need not to change card again, both can not support the mobile phone of SWP function to use at present, also can use at the mobile phone of supporting the SWP function, can effectively adapt to the development of user's request and standard, reduce use cost.
[description of drawings]
Fig. 1 is the schematic diagram of many interface mobile payment intelligent cards of the preferred embodiments of the present invention.
The processing flow chart of Fig. 2 for adopting the many interface mobile payment intelligent cards shown in Fig. 1 under the contact interface, to carry out financial payment.
The processing flow chart of Fig. 3 for adopting the many interface mobile payment intelligent cards shown in Fig. 1 under the SWP interface, to carry out financial payment.
Fig. 4 is the connection control schematic diagram of the switch shown in Fig. 1.
The connection diagram of Fig. 5 in not with the mobile phone of NFC, using the many interface mobile payment intelligent cards among Fig. 1 to pay.
The connection diagram of Fig. 6 in the mobile phone of NFC, using the many interface mobile payment intelligent cards among Fig. 1 to pay.
[embodiment]
In order to understand better the present invention, below with reference to accompanying drawing inventive embodiment is described in detail.
Develop into the SWP form for adapting to Mobile payment terminal from non-SWP form, the present invention proposes a kind of mobile payment intelligent card scheme of many interface modes.As shown in fig. 1, the preferred embodiments of the present invention mobile payment intelligent card 100 interior two chips that encapsulated are respectively the Double interface intelligent card chips 120 of supporting the SWP communication intelligent card chip 110 of SWP interface and having the non-connection function of 13.56MHz.Wherein, Double interface intelligent card chip 120 is realized the function relevant with payment, and 110 of SWP communication intelligent card chips are realized communication function.The mobile payment instruction of self being initiated by SWP communication intelligent card chip 110 by STK menu or OTA extended instruction sends to Double interface intelligent card chip 120 processing, is also finished by Double interface intelligent card chip 120 under its control by the payment function that SWP interface (being the interface IO6 among Fig. 1) or 7816 interfaces (being the interface IO1 among Fig. 1) of SWP communication intelligent card chip 110 are initiated.SWP communication intelligent card chip 110 and Double interface intelligent card chip 120 are integrated on the smart card 100 by SIP (System In a Package, system in package) technique.SWP communication intelligent card chip 110 is connected with Double interface intelligent card chip and is connected communication with interface IO3 by interface IO2.Be designed with special exterior antenna connecting terminal 130 on the smart card 100, the radio frequency control assembly of Double interface intelligent card chip 120 is connected to contact 130, thereby obtains energy and command signal.Exterior antenna 400 can be connected to by connecting terminal 130 the interface RF IO (radio frequency interface) of Double interface intelligent card chip 120.
Double interface intelligent card chip 120 can select to comprise the Mifare function, can compatiblely have the contactless application of most widely used 13.56MHz now, support two kinds of basic interfaces: a kind of is contact interface (being the interface IO3 among Fig. 1), meet ISO 7186-3 agreement, another kind is the non-contact type wireless interface (being the interface RF IO among Fig. 1) of 13.56MHz.Interface RF IO requires to meet ISO radio frequency standard, i.e. ISO 14443A, ISO 15693 etc.Double interface intelligent card chip 120 can carry out radio communication by interface RF IO and POS machine 300, and instruction is finished processing in Double interface intelligent card chip 120, and result also directly returns to POS machine 300 by interface RF IO.
Smart card 100 comprises communication function and payment function, and communication function is provided by SWP communication intelligent card chip 110, and the financial payment function is provided by Double interface intelligent card chip 120.Double interface intelligent card chip 120 can provide the financial payment function with contact interface or non-contact interface, and its contact financial payment function realizes under 110 controls of SWP communication intelligent card chip.
As shown in Figure 2, when smart card 100 was paid under the contact interface, read write line 200 peripheral hardwares such as grade send selected the financial payment application instruction to communication intelligent card chip 110 (step S1).Communication intelligent card chip 110 judges that financial payment uses whether on this chip (step S2).As not existing, turn on-switch 141,142 (step S3) then, activate the contact mode of operation of Double interface intelligent card chip 120, the selection instruction that financial payment is used is sent to Double interface intelligent card chip 120 (step S4), successfully select financial payment to use (step S5) such as Double interface intelligent card chip 120, judge that then read write line 200 peripheral hardwares such as grade need and Double interface intelligent card chip 120 is set up communication.Subsequently all the contact instructions that will receive from interface IO1 of SWP communication intelligent card chip 110 through interface IO2 transparent forwarding to Double interface intelligent card chip 120 (step S6).As shown in Figure 2, confirm to carry out between peripheral hardware and Double interface intelligent card chip contact when mutual at SWP communication intelligent card chip, follow-up all instructions are all processed by transparent forwarding, and what this place dotted arrow represented is exactly to enter into this transparent instruction forward process process.The result of Double interface intelligent card chip 120 (step S8) is then from the interface IO2 of interface IO3 through chip 110, further process (step S7) by SWP communication intelligent card chip 110 and return to read write line 200 external units such as grade (step S9) from interface IO1 afterwards, thereby so that Double interface intelligent card chip 120 is finished the work under the contact environment.
As shown in Figure 3, smart card 100 can also utilize the NFC chip 210 of mobile phone and POS machine 300 to carry out radio communication.At this moment, POS machine 300 sends to NFC chip 210 (step T1) with the financial payment instruction, non-ly connects instruction and is passed to SWP communication intelligent card chip 110 (step T2) by NFC chip 210 with the SWP agreement.SWP communication intelligent card chip 110 powers on first and activates the contact interface (step T4) of Double interface intelligent card chip 120.110 pairs of instructions of importing into of SWP communication intelligent card chip are repacked, and process (step T6) to be transferred to Double interface intelligent card chip 120 behind the T=0 Protocol reassembling (step T5).Double interface intelligent card chip 120 places financial payment instruction (step T7) and result turned back to chip 110 (step T8) after, communication intelligent card chip 110 or pass to the NFC chip 210 (step T9) of mobile phone with the SWP agreement.Financial payment instruction process result finally arrives POS machine 300 (step T11) after transmitting (step T10) by NFC chip 210.
As shown in Figure 4, SWP communication intelligent card chip 110 is connected with Double interface intelligent card chip and is connected communication with interface IO3 by interface IO2, with T=0 agreement realization communication connection.The VCC pin of Double interface intelligent card chip 120 is connected to the VCC pin of smart card 100 by switch 141, the CLK pin of Double interface intelligent card chip 120 is connected to the CLK pin of smart card 100 by switch 142; SWP communication intelligent card chip 110 can gauge tap 141, the connectedness of switch 142, thereby whether control double-interface smart card 120 contact mode of operations start.
When above-mentioned many interface mobile payment intelligent cards 100 initially dispatch from the factory, at antenna connecting terminal 130 places welding exterior antenna 400, thereby so that the non-radio-frequency unit that connects of integrated Double interface intelligent card chip 120 can use.When near the read head of POS machine 300, the 13.56MHz non-contact function of Double interface intelligent card chip 120 starts, and carries out relevant payment function.The peripheral hardwares such as mobile phone and read write line 200, also can be by the payment function of contact interface accessing Double interface intelligent card chip 120, comprise by mobile phone STK menu and initiating, perhaps initiated by OTA payment instructions such as space transferences, this moment, SWP communication intelligent card chip 110 was with gauge tap 141,142, the signals such as the power supply of connection Double interface intelligent card chip 120, clock are so that the contact function of described Double interface intelligent card chip 120 is activated.Then, payment instruction or the upper payment instruction that generates of using of card that described SWP communication intelligent card chip 110 sends peripheral hardware, issue described Double interface intelligent card chip 120 with the T=0 protocol mode, Double interface intelligent card chip 120 is enabled corresponding application program again and is processed.
When above-mentioned mobile payment intelligent card 100 is applied to the mobile phone terminal of supporting the SWP function, can directly remove the exterior antenna 400 that card welds.Above-mentioned mobile payment intelligent card 100 can be connected with mobile phone NFC chip 210 by pin C6 and be realized connecting and communications.Mobile phone is during near the read head of POS machine 300, and Double interface intelligent card chip 120 can not be found by 300 identifications of POS machine owing to not connecting antenna 400, and the embedded NFC chip 210 of mobile phone is then by 300 identifications of POS machine.The director data that POS machine 300 sends is passed to SWP communication intelligent card chip 110 by the NFC chip 210 of mobile phone through pin SWP.SWP communication intelligent card chip 110 is converted to the protocol data bag of SWP the T=0 protocol data bag of ISO 7816-3, and the contact function of control activation Double interface intelligent card chip 120, payment instruction is passed to Double interface intelligent card chip 120 process.Result is repacked and is SWP protocol data bag after returning to SWP communication intelligent card chip 110, then sends to POS machine 300 through mobile phone NFC chip 210.
As shown in Fig. 5 and Fig. 6, smart card 100 is suitably adjusted the different situations that just can adapt to mobile phone, and solid line represents data among the figure, and dotted line represents control signal.
When smart card 100 is placed in the mobile phone of not supporting the SWP function (as shown in Figure 5), need smart card 100 configured with external antennas 400 this moment, exterior antenna 400 is connected to the interface RF IO of Double interface intelligent card chip 120 by connecting terminal 130, at this moment, the non-connection function of smart card 100 is supported by the interface RF IO of Double interface intelligent card chip 120.
In the situation that the configuration antenna is implemented mobile payment function, the dual-core architecture that the SWP communication intelligent card chip 110 that smart card 100 is integrated and Double interface intelligent card chip 120 form, independent processing is from different interfaces next communication function and payment function separately, can realize parallel processing, have best response real-time.
When smart card 100 is placed in the mobile phone of supporting the SWP function (as shown in Figure 6), need to remove exterior antenna 400 this moment, the pin C6 of smart card 100 will be connected with mobile phone NFC chip 210 and be connected with the SWP agreement, thereby the SWP interface IO6 of SWP communication intelligent card chip 110 is activated, and Double interface intelligent card chip 120 is not owing to connecting exterior antenna 400, its non-connection communication function will no longer can use, and can only receive SWP communication intelligent card chip 110 from contact interface IO3 and transmit the payment arrangement instruction of coming.
When smart card 100 was removed antenna 400 with SWP interface enforcement mobile payment function, SWP communication intelligent card chip 110 needed simultaneously Processing Interface IO1, the next data of two interfaces of interface IO6, and guaranteed the correctness of the data transmission of two interfaces.For guaranteeing the uniqueness of application data, the payment instruction data unification of distinct interface is transferred to Double interface intelligent card chip 120 and is processed.
Above-mentioned many interface mobile payment intelligent cards 100 are integrated with SWP communication intelligent card chip 110 and 120, two chips of Double interface intelligent card chip in the SIP mode can provide the different non-payment function interface that connects with the development of compatible mobile phone terminal to the SWP payment mode.By above-mentioned many interface mobile payment intelligent cards 100, the same card sheet both can not support the mobile phone of SWP function to use at present, can remove behind the antenna yet and use at the mobile phone of supporting the SWP function, and the user need not to change card again.Chip internal construction of switch and control method that above-mentioned many interface mobile payment intelligent cards 100 provide are worked under contact pattern and noncontact mode so that SWP communication intelligent card chip 110 can be controlled Double interface intelligent card chip 120.Above-mentioned many interface control methods, so that all concentrating on the Double interface intelligent card chip 120, the payment instruction that is entered by many interfaces processes, the payment instruction that is particularly entered by the SWP interface, can be by Double interface intelligent card chip 120 reception ﹠ disposals after protocol conversion, payment function is last unified by Double interface intelligent card chip 120 execution, so that can keep the consistance of payment application data, guaranteed the safety that payment is used.
Mobile payment intelligent card 100 provided by the present invention is by the 13.56MHz wave point of SWP interface matching with mobile phone NFC chip 210, perhaps the 13.56MHz wave point of integrated Double interface intelligent card chip 120, can fully compatiblely have most widely used contactless applied environment now, and the compatibility of 100 couples of mobile phone SWP of smart card function, especially a characteristic of the present invention.
The above embodiment has only expressed several embodiment of the present invention, and it describes comparatively concrete and detailed, but can not therefore be interpreted as the restriction to claim of the present invention.Should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be as the criterion with claims.
Claims (7)
1. interface mobile payment intelligent card more than a kind, it is characterized in that: described many interface mobile payment intelligent cards are integrated with SWP communication intelligent card chip and Double interface intelligent card chip, described SWP communication intelligent card chip has ISO 7816 interfaces and SWP interface, described Double interface intelligent card chip has ISO 7816 interfaces and RF interface, described SWP communication intelligent card chip is processed with being connected that Double interface intelligent card chip connects that with ISO 7816 interfaces described SWP communication intelligent card chip is initiated by STK menu or OTA extended instruction self or sending to described Double interface intelligent card chip from the payment instruction data that its described ISO 7816 interfaces or described SWP interface receive, described many interface mobile payment intelligent cards dispose the exterior antenna that is connected with the RF interface of described Double interface intelligent card chip when dispatching from the factory, the RF interface of described Double interface intelligent card chip can the form with the RF signal receive or send payment information after connecting exterior antenna, after described many interface mobile payment intelligent card is removed exterior antenna and is inserted into the mobile phone of supporting the SWP interface, can be connected to receive with the NFC chip of mobile phone by the SWP interface of described SWP communication intelligent card chip or send mobile payment information.
2. many interface mobile payment intelligent cards according to claim 1, it is characterized in that: two interfaces on the described SWP communication intelligent card chip are respectively by being communicated with the control of action to two switches, the control whether realization is inputted power supply and the clock signal of described Double interface intelligent card chip, described SWP communication intelligent card determines by the input of control power supply and clock signal whether described Double interface intelligent card chip works under ISO 7816 interface modes.
3. many interface mobile payment intelligent cards according to claim 2, it is characterized in that: when described SWP communication intelligent card chip is worked under ISO 7816 interface modes at the described Double interface intelligent card chip of activation, the RF interface conductively-closed of described Double interface intelligent card chip, the instruction of described Double interface intelligent card chip obtains from described SWP communication intelligent card chip.
4. many interface mobile payment intelligent cards according to claim 1 is characterized in that: adopt the T=0 agreement communication of ISO 7816-3 between described SWP communication intelligent card chip and the described Double interface intelligent card chip.
5. many interface mobile payment intelligent cards according to claim 4, it is characterized in that: the frequency of described RF interface is 13.56MHz.
6. many interface mobile payment intelligent cards according to claim 5, it is characterized in that: described SWP communication intelligent card chip and described Double interface intelligent card chip are integrated on described many interface mobile payment intelligent cards by system in package technique.
7. a control is such as the method for many interface mobile payment intelligent cards as described in each in the claim 1 to 6, it is characterized in that: when described mobile payment intelligent card is connected with described exterior antenna, during the close noncontact POS machine of described mobile payment intelligent card, the RF interface of described Double interface intelligent card chip starts, and receives and emission mobile payment instruction; When described mobile payment intelligent card removed described exterior antenna and inserts mobile phone terminal, the mobile payment flow process of described mobile payment intelligent card may further comprise the steps:
Described SWP communication intelligent card chip is initiated by STK menu or OTA extended instruction self or is received the mobile payment instruction from its described ISO 7816 interfaces or described SWP interface;
Two interfaces on the described SWP communication intelligent card chip are respectively by being communicated with the control of action to two switches, the control whether realization is inputted power supply and the clock signal of described Double interface intelligent card chip, described SWP communication intelligent card determines by the input of control power supply and clock signal whether described Double interface intelligent card chip works under ISO 7816 interface modes, described SWP communication intelligent card chip is connected described two switches, make the activation that powered on of described Double interface intelligent card chip, and work in the contact mode;
The SWP agreement mobile payment instruction transformation that described SWP communication intelligent card chip receives becomes the T=0 protocol instructions of ISO7816-3 and sends described Double interface intelligent card chip to;
Described Double interface intelligent card chip processing instruction and return results are given described SWP communication intelligent card chip; And
After being converted to the SWP protocol form, described SWP communication intelligent card chip returns described Double interface intelligent card chip by the T=0 agreement of ISO 7816-3 result sends to mobile phone terminal.
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