CN102289711A - SD (Secure Digital) memory card for mobile phone payment and with function of contactless smart card - Google Patents
SD (Secure Digital) memory card for mobile phone payment and with function of contactless smart card Download PDFInfo
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- CN102289711A CN102289711A CN2010102038185A CN201010203818A CN102289711A CN 102289711 A CN102289711 A CN 102289711A CN 2010102038185 A CN2010102038185 A CN 2010102038185A CN 201010203818 A CN201010203818 A CN 201010203818A CN 102289711 A CN102289711 A CN 102289711A
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Abstract
The invention discloses an SD (Secure Digital) memory card for mobile phone payment and with a function of a contactless smart card, which is used for carrying out contactless payment through a mobile phone. The memory card has parts and functions of the common SD memory card, comprises a storage unit (1), a card controller (2), an interface pin (3) and the like, also has contactless intelligent card parts and functions, and comprises a CPU (Central Processing Unit) circuit (4), a radio frequency receiving and transmitting circuit (5), an antenna (6) and the like, wherein the CPU circuit (4) is wirelessly communicated with the outside through the radio frequency receiving and transmitting circuit (5) and the antenna (6); and the storage unit (1) is internally provided with electronic purse application software used for small-amount payment, is controlled by the CPU circuit (4) and is protected by using a private key. Before the outside equipment is used for carrying out access operation on data of an electronic purse every time, the data needs to be subjected to private key security verification through the CPU circuit (4), the CPU circuit (4) carries out relevant operations after the verification is successful, and payment, recharge and other operations are provided.
Description
[technical field]
The present invention relates to electronics and mechanics of communication, particularly relate to a kind of SD memory card that is used for mobile-phone payment and has non-contact intelligent card function.
[background technology]
Present employing mobile phone carries out contactless payment, and most of NFC (Near Field Communication) technology that adopts is that NFC communication element and stored value card are set on mobile phone.When paying, as long as mobile phone is put on the NFC reader, by the foundation of the NFC communication element on NFC reader and mobile phone wireless telecommunications between the two, then by the NFC reader to the operation of paying of the stored value card in the mobile phone.General cellphone subscriber uses this mobile-phone payment service, need change the mobile phone of NFC element built-in, but the mobile phone of built-in on the market NFC element is considerably less at present, price is also higher, cause a lot of users to abandon attempting the mobile-phone payment service, be unfavorable for the popularization of mobile-phone payment service like this.In addition, the mobile-phone payment service of the built-in NFC element mobile phone that uses at present, its stored value card major part is to be arranged in the mobile phone, can not at will stored value card be forwarded in other the mobile phone, this is to the very inconvenience of people of frequent replacing new cell-phone.
[summary of the invention]
Purpose of the present invention is to provide a kind of SD memory card that is used for mobile-phone payment and has non-contact intelligent card function, can be arranged in the mobile phone that does not have the NFC element, carries out the application of contactless payment by mobile phone.
The object of the present invention is achieved like this, adopt a kind of like this SD memory card with radio frequency label function, be used for carrying out contactless payment by mobile phone, it is characterized in that, described memory card possesses the parts and the function of conventional SD memory card, comprise storage unit (1), card controller (2), interface pin (3) etc., described card controller (2) is connected by the read write line circuitry phase of interface pin (3) with the outside, card controller (2) is connected with storage unit (1) circuitry phase, storage unit is provided with internal memory and Memory Controller Hub in (1), can storage data, outside read write line carries out read-write operation by card controller (2) to storage unit (1), these all are parts and function that conventional memory card possessed, memory card also is provided with contact type intelligent card parts and function, comprise cpu circuit (4), radio frequency receives radiating circuit (5), antenna (6) etc., wherein, radio frequency receives radiating circuit (5) and is connected with antenna (6) circuitry phase, by antenna (6) transmission/received RF signal, cpu circuit (4) receives radiating circuit (5) circuitry phase with radio frequency and is connected, cpu circuit (4) receives radiating circuit (5) by radio frequency and antenna (6) carries out wireless telecommunications with the outside, cpu circuit (4) is connected with card controller (2) circuitry phase, can pass through card controller (2) access memory cell (1), and, be provided with the electronic wallet application software that is used for little amount of money payment in the storage unit (1).
For realizing purpose of the present invention, can also adopt a kind of like this SD memory card with radio frequency label function, be used for carrying out contactless payment by mobile phone, it is characterized in that, described memory card possesses the parts and the function of conventional SD memory card, comprise storage unit (1), card controller (2), interface pin (3) etc., described card controller (2) is connected by the read write line circuitry phase of interface pin (3) with the outside, card controller (2) is connected with storage unit (1) circuitry phase, storage unit is provided with internal memory and Memory Controller Hub in (1), can storage data, outside read write line carries out read-write operation by card controller (2) to storage unit (1), these all are parts and function that conventional memory card possessed, memory card also is provided with and comprises cpu circuit (4), radio frequency receives radiating circuit (5) etc., wherein, radio frequency reception radiating circuit (5) is connected with antenna (66) circuitry phase of outside by wherein two interface pin (3) of memory card, for example SD memory khaki has 9 interface pin (3), by the pin multiplexing mode will be wherein the 3rd receive the pin that radiating circuit (5) is connected with the antenna (66) of outside as radio frequency with 9 pins (being the Vss and D2 pin of SD memory card), or adopt the 4th and 9 pins (being the Vdd and the D2 pin of SD memory card), also can be on the basis of original SD memory card, newly-increased two pins that are used to connect exterior antenna (66), by these two interface pin (3) with after outside antenna (66) circuitry phase is connected, radio frequency receives radiating circuit (5) by outside antenna (66) transmission/received RF signal, cpu circuit (4) receives radiating circuit (5) circuitry phase with radio frequency and is connected, cpu circuit (4) receives the antenna (66) of radiating circuit (5) and outside by radio frequency and outside wireless card reading device carries out wireless telecommunications, cpu circuit (4) is connected with card controller (2) circuitry phase, can pass through card controller (2) access memory cell (1), and, be provided with the electronic wallet application software that is used for little amount of money payment in the storage unit (1).
In the present invention, described electronic wallet application software is the software that is used to pay by mails, need carry out safety certification during payment, just can pay behind the authentication success.This stored value card is a prior art, for example generally is used to the smart card electronic wallet paid, and Bus Card etc. all are provided with this electron-like wallet, and the present invention has adopted this stored value card technology to realize purpose of the present invention.
So just realized purpose of the present invention well.
The advantage that is used for mobile-phone payment and has a SD memory card of non-contact intelligent card function of the present invention is when changing mobile phone, stored value card in the SD memory card can be transferred to new mobile phone in company with the SD memory card, just can continue to use this stored value card to carry out mobile-phone payment immediately.
[description of drawings]
Fig. 1 is the image schematic illustration of the SD memory card of the first embodiment of the present invention;
Fig. 2 is the structural representation key diagram of the SD memory card of the first embodiment of the present invention;
Fig. 3 is the structural representation key diagram of the SD memory card of the second embodiment of the present invention;
Fig. 4 is the image schematic illustration of the SD memory card of the third embodiment of the present invention;
Fig. 5 is the image schematic illustration of the SD memory card of the fourth embodiment of the present invention;
Fig. 6 is the image schematic illustration of the SD memory card of the fifth embodiment of the present invention;
Among the figure, the device that identical digitized representation is identical, parts device, accompanying drawing are schematically, in order to formation of the present invention and principal character to be described.
[embodiment]
Below in conjunction with accompanying drawing, method of the present invention is described in further detail.
Consult Fig. 1 and Fig. 2, Fig. 1 is the image schematic illustration of the SD memory card of the first embodiment of the present invention, Fig. 2 is the structural representation key diagram of the SD memory card of the first embodiment of the present invention, the memory card of first embodiment shown in Fig. 1 and Fig. 2 possesses the parts and the function of conventional SD memory card, comprise storage unit (1), card controller (2), interface pin (3) etc., described card controller (2) is connected by the read write line circuitry phase of interface pin (3) with the outside, card controller (2) is connected with storage unit (1) circuitry phase, storage unit is provided with internal memory and Memory Controller Hub in (1), can storage data, outside read write line carries out read-write operation by card controller (2) to storage unit (1), these all are parts and function that conventional memory card possessed, memory card also is provided with contact type intelligent card parts and function, comprise cpu circuit (4), radio frequency receives radiating circuit (5), antenna (6) etc., wherein, radio frequency receives radiating circuit (5) and is connected with antenna (6) circuitry phase, by antenna (6) transmission/received RF signal, cpu circuit (4) receives radiating circuit (5) circuitry phase with radio frequency and is connected, cpu circuit (4) receives radiating circuit (5) by radio frequency and antenna (6) carries out wireless telecommunications with the outside, cpu circuit (4) is connected with card controller (2) circuitry phase, can pass through card controller (2) access memory cell (1), and, be provided with the electronic wallet application software that is used for little amount of money payment in the storage unit (1).
Consult Fig. 3, Fig. 3 is the structural representation key diagram of the SD memory card of the second embodiment of the present invention, second embodiment compares with first embodiment, the main difference part is that the antenna (6) of first embodiment is made of telefault, and be built in the memory card, and second to implement be to adopt exterior antenna (66) mode, antenna (66) is arranged at beyond the memory card, antenna (66) can be done more, or adopt the antenna (66) of other kinds.Continue to consult Fig. 3, the memory card of second embodiment shown in Fig. 3 possesses the parts and the function of conventional SD memory card, comprise storage unit (1), card controller (2), interface pin (3) etc., described card controller (2) is connected by the read write line circuitry phase of interface pin (3) with the outside, card controller (2) is connected with storage unit (1) circuitry phase, storage unit is provided with internal memory and Memory Controller Hub in (1), can storage data, outside read write line carries out read-write operation by card controller (2) to storage unit (1), these all are parts and function that conventional memory card possessed, memory card also is provided with and comprises cpu circuit (4), radio frequency receives radiating circuit (5) etc., wherein, radio frequency reception radiating circuit (5) is connected with antenna (66) circuitry phase of outside by wherein two interface pin (3) of memory card, radio frequency receives radiating circuit (5) by outside antenna (66) transmission/received RF signal, cpu circuit (4) receives radiating circuit (5) circuitry phase with radio frequency and is connected, cpu circuit (4) receives the antenna (66) of radiating circuit (5) and outside by radio frequency and outside wireless card reading device carries out wireless telecommunications, cpu circuit (4) is connected with card controller (2) circuitry phase, can pass through card controller (2) access memory cell (1), and, be provided with the electronic wallet application software that is used for little amount of money payment in the storage unit (1).In a second embodiment, the antenna of memory card outside (66) carries out wireless telecommunications with the wireless card reading device of outside, the physical dimension of antenna (66) just can not be subjected to the volume restrictions of memory card like this, can adopt the higher antenna of efficient, improve the communication quality between memory card and the wireless card reading device.In addition, the SD memory card can be worked under different transmission mode, comprise SPI pattern, 1 SD pattern, 4 SD patterns, under the SPI pattern, wherein the 8th and the 9 two interface pin (3) do not have purposes, can be used for connecting outside antenna (66), for example adopt one of them pin and power supply Vdd or Vss pin as the pin that is connected antenna (66), just can under the interface pin of not changing memory card (3), radio frequency be received radiating circuit (5) be connected with outside circuitry phase.
Continue to consult Fig. 2 to Fig. 3; the electronic wallet application software of the memory card shown in Fig. 2 to Fig. 3 is controlled by cpu circuit (4); and by cpu circuit (4) with cryptographic key protection; before each external unit carries out accessing operation to the data of stored value card; must carry out the secret key safety checking through cpu circuit (4); be proved to be successful back cpu circuit (4) and just carry out, comprise with this stored value card and operation such as pay, supplement with money about operating.In addition; described storage unit (1) includes protected partition and open partition; wherein; the external reader that open partition can be connected; carry out the read-write operation of conventional memory card; and protected partition is controlled its read-write operation by cpu circuit (4); before external reader that use is connected carries out read operation or write operation to the protected partition of storage unit (1); will be to cpu circuit (4) input password; after the success of cpu circuit (4) authentication password; the external reader that cpu circuit (4) just allows protected partition to be connected carries out read-write operation.
Consult Fig. 4, Fig. 4 is the image schematic illustration of the SD memory card of the third embodiment of the present invention, the 3rd embodiment compares with first embodiment, the main difference part is also to be provided with the coil core of being made by permeability magnetic material (7) in the telefault of antenna (6) of the 3rd embodiment, can increase the inductance value of telefault, with the inductive coupling of enhancing antenna (6), improve both sides' communication quality with the aerial coil of external reader.In addition, the antenna of described memory card (6) also can adopt tours antenna or dipole antenna to constitute antenna (6) except can adopting the telefault formation, all can realize purpose of the present invention well equally.
Consult Fig. 5 and Fig. 6, Fig. 5 is the image schematic illustration of the SD memory card of the fourth embodiment of the present invention, Fig. 6 is the image schematic illustration of the SD memory card of the fifth embodiment of the present invention, compare with the 3rd embodiment, the main difference part is the profile size of memory card, the memory card of the 3rd embodiment is the physical dimension of conformance with standard SD memory card, the memory card of the 4th embodiment is the physical dimension of conformance with standard miniSD memory card, and the memory card of the 5th embodiment is the physical dimension of conformance with standard microSD memory card.In this manual, the physical dimension of described memory card comprises wherein a kind of in the following memory card size:
● SD (Secure Digital) card;
● miniSD (Mini Secure Digital) card;
● mircoSD (Micro Secure Digital) card;
● SDHC (Secure Digital High Capacity) card;
● miniSDHC (Mini Secure Digital High Capacity) card;
● mircoSDHC (Micro Secure Digital High Capacity) card;
● SDXC (Secure Digital eXtended Capacity) card;
● miniSDXC (Mini Secure Digital eXtended Capacity) card;
● mircoSDXC (Micro Secure Digital eXtended Capacity) card.
No matter adopting above any memory card size, all can realize purpose of the present invention well, all is to belong to protection scope of the present invention.
Below described the SD memory card that is used for mobile-phone payment and has non-contact intelligent card function of the present invention in detail, though the present invention is illustrated with the above embodiments, but the present invention is not limited to this, under the situation of the scope of not leaving spirit of the present invention and appended claims, can do multiple change and variation.
The SD memory card that is used for mobile-phone payment and has non-contact intelligent card function of the present invention can cooperate general mobile phone to realize the mobile-phone payment function, and is just passable as long as mobile phone is provided with the SD memory card receptacle.In addition, even change mobile phone, stored value card also can be compared with the mobile-phone payment scheme of general employing NFC element mobile phone along with memory card is transferred to new mobile phone, and is more cost-effective.Enforcement of the present invention can will not have the mobile phone of NFC element, becomes the instrument of mobile-phone payment.
Claims (10)
1. SD memory card with non-contact intelligent card function, be used for carrying out contactless payment by mobile phone, it is characterized in that, described memory card possesses the parts and the function of conventional SD memory card, comprise storage unit (1), card controller (2), interface pin (3), also be provided with and comprise cpu circuit (4), radio frequency receives radiating circuit (5), antenna (6), wherein, radio frequency receives radiating circuit (5) and is connected with antenna (6) circuitry phase, by antenna (6) transmission/received RF signal, cpu circuit (4) receives radiating circuit (5) circuitry phase with radio frequency and is connected, cpu circuit (4) receives radiating circuit (5) by radio frequency and antenna (6) carries out wireless telecommunications with the outside, cpu circuit (4) is connected with card controller (2) circuitry phase, can pass through card controller (2) access memory cell (1), and, be provided with the electronic wallet application software that is used for little amount of money payment in the storage unit (1).
2. the SD memory card with non-contact intelligent card function as claimed in claim 1; it is characterized in that; described electronic wallet application software is controlled by cpu circuit (4); and by cpu circuit (4) with cryptographic key protection; before each external unit carries out accessing operation to the data of stored value card; must carry out the secret key safety checking through cpu circuit (4), be proved to be successful back cpu circuit (4) and just carry out relevant operation.
3. the SD memory card with non-contact intelligent card function as claimed in claim 1; it is characterized in that; described storage unit (1) includes protected partition; protected partition by card controller (2) with cryptoguard; have only by after the password authentification success; card controller (2) just allows external reader to pass through card controller (2) protected partition of storage unit (1) is carried out read operation or write operation, and described electronic wallet application software is located in the protected partition.
4. the SD memory card with non-contact intelligent card function as claimed in claim 1 is characterized in that described antenna (6) is made of telefault.
5. the SD memory card with non-contact intelligent card function as claimed in claim 1 is characterized in that described antenna (6) is a tours antenna.
6. the SD memory card with non-contact intelligent card function as claimed in claim 1 is characterized in that described antenna (6) is a dipole antenna.
7. the SD memory card with non-contact intelligent card function as claimed in claim 4 is characterized in that, also is provided with the coil core of being made by permeability magnetic material (7) in the described telefault.
8. SD memory card with non-contact intelligent card function, be used for carrying out contactless payment by mobile phone, it is characterized in that, described memory card possesses the parts and the function of conventional SD memory card, comprise storage unit (1), card controller (2), interface pin (3), also be provided with and comprise cpu circuit (4), radio frequency receives radiating circuit (5), wherein, radio frequency reception radiating circuit (5) is connected with antenna (66) circuitry phase of outside by wherein two interface pin (3) of memory card, radio frequency receives radiating circuit (5) by outside antenna (66) transmission/received RF signal, cpu circuit (4) receives radiating circuit (5) circuitry phase with radio frequency and is connected, cpu circuit (4) receives the antenna (66) of radiating circuit (5) and outside by radio frequency and outside wireless card reading device carries out wireless telecommunications, cpu circuit (4) is connected with card controller (2) circuitry phase, can pass through card controller (2) access memory cell (1), and, be provided with the electronic wallet application software that is used for little amount of money payment in the storage unit (1).
9. the SD memory card with non-contact intelligent card function as claimed in claim 8; it is characterized in that; described electronic wallet application software is controlled by cpu circuit (4); and by cpu circuit (4) with cryptographic key protection; before each external unit carries out accessing operation to the data of stored value card; must carry out the secret key safety checking through cpu circuit (4), be proved to be successful back cpu circuit (4) and just carry out relevant operation.
10. the SD memory card with non-contact intelligent card function as claimed in claim 8; it is characterized in that; described storage unit (1) includes protected partition; protected partition by card controller (2) with cryptoguard; have only by after the password authentification success; card controller (2) just allows external reader to pass through card controller (2) protected partition of storage unit (1) is carried out read operation or write operation, and described electronic wallet application software is located in the protected partition.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102038185A CN102289711A (en) | 2010-06-18 | 2010-06-18 | SD (Secure Digital) memory card for mobile phone payment and with function of contactless smart card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2010102038185A CN102289711A (en) | 2010-06-18 | 2010-06-18 | SD (Secure Digital) memory card for mobile phone payment and with function of contactless smart card |
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| Publication Number | Publication Date |
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| CN102289711A true CN102289711A (en) | 2011-12-21 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2010102038185A Pending CN102289711A (en) | 2010-06-18 | 2010-06-18 | SD (Secure Digital) memory card for mobile phone payment and with function of contactless smart card |
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Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030112611A1 (en) * | 2000-04-28 | 2003-06-19 | Hitachi, Ltd. | IC card |
| CN1533139A (en) * | 2003-03-24 | 2004-09-29 | 积智日通卡股份有限公司 | Wireless transmission memory card and mobile phone transmission electronic transaction system and method formed by memory card |
| CN101383018A (en) * | 2007-09-04 | 2009-03-11 | 上海瀚银信息技术有限公司 | Method for implementing non-contact payment based on intelligent storage card and mobile phone |
| CN101383017A (en) * | 2007-09-06 | 2009-03-11 | 中国银联股份有限公司 | Intelligent SD card and intelligent SD card access method |
| CN201828944U (en) * | 2010-06-18 | 2011-05-11 | 黄金富 | Secure digital (SD) memory card for mobile phone payment and with non-contact smart card function |
-
2010
- 2010-06-18 CN CN2010102038185A patent/CN102289711A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20030112611A1 (en) * | 2000-04-28 | 2003-06-19 | Hitachi, Ltd. | IC card |
| CN1533139A (en) * | 2003-03-24 | 2004-09-29 | 积智日通卡股份有限公司 | Wireless transmission memory card and mobile phone transmission electronic transaction system and method formed by memory card |
| CN101383018A (en) * | 2007-09-04 | 2009-03-11 | 上海瀚银信息技术有限公司 | Method for implementing non-contact payment based on intelligent storage card and mobile phone |
| CN101383017A (en) * | 2007-09-06 | 2009-03-11 | 中国银联股份有限公司 | Intelligent SD card and intelligent SD card access method |
| CN201828944U (en) * | 2010-06-18 | 2011-05-11 | 黄金富 | Secure digital (SD) memory card for mobile phone payment and with non-contact smart card function |
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Application publication date: 20111221 |