CN102436617A - Smart card business processing system, method, smart card and mobile terminal shell - Google Patents
Smart card business processing system, method, smart card and mobile terminal shell Download PDFInfo
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- CN102436617A CN102436617A CN2011102172901A CN201110217290A CN102436617A CN 102436617 A CN102436617 A CN 102436617A CN 2011102172901 A CN2011102172901 A CN 2011102172901A CN 201110217290 A CN201110217290 A CN 201110217290A CN 102436617 A CN102436617 A CN 102436617A
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Abstract
The invention discloses a smart card business processing system, a method, a smart card and a mobile terminal shell. The smart card comprises an interface module, which is used for connecting with the data interface of a mobile terminal; and a central processing unit, which is used for receiving first business processing information transmitted by the mobile terminal through the interface module and conducting relevant processing to smart card business corresponding to a business tag carried in the first business processing information, wherein the first business processing information carries the business tag of the smart card business which is required to be processed. By adopting the technical scheme, the problems that the compatibility of the smart card with the mobile terminal is poor and the flexibility is low when the smart card business is realized by combining the mobile terminal with the smart card in the prior art are solved.
Description
Technical field
The present invention relates to communication technical field, relate in particular to the professional disposal system of a kind of smart card, method, smart card and mobile terminal case.
Background technology
Quickening along with modern society's rhythm of life; People are more and more urgent to the demand of the modes of payments easily and efficiently; Integrated circuit (IC; Integrate Circuit) card as a kind of can support to enclose deposit, consumption, remaining sum reads and professional detail such as reads at the smart card of function, has been widely used in fields such as public transport, gate inhibition, doit electronic payment.Meanwhile, portable terminal has experienced developing rapidly for many years, and is more and more universal in daily life and work, for people's work and life bring great convenience.Because the function of portable terminal from strength to strength; And there is integrated multi-purpose trend; Therefore portable terminal and smart card are combined and realize the smart card business; People just can directly use the portable terminal of carrying to pay or supplement with money, have further enlarged the usable range of portable terminal, for people provide convenient, the modes of payments efficiently.
In the prior art, portable terminal combined with smart card realizes that the professional method of smart card mainly contains following two kinds:
1, through global system for mobile communications Subscriber Identity Module (SIM; Global System for Mobile Communication Subscriber Identity Module) PASS technology realizes: need the SIM in the portable terminal be replaced by the SIMPASS card, need the customization portable terminal of built-in radio-frequency antenna simultaneously, or between the battery of portable terminal and bonnet, place the antenna that the SIMPASS card carries; Be used for communicating with other smart card; But receive the influence of material, space, SIM slot direction and the radio-frequency antenna shape of mobile terminal case, the SIMPASS technology can not be applicable to all portable terminals, if the shell of portable terminal is a metal material; Radiofrequency signal that so will the shielded radio frequency antenna; Cause in the portable terminal SIM can't and point-of-sale terminal (POS, Point Of Sale) equipment communicate, therefore need the user to change specific portable terminal and could realize the smart card business; Thereby compatible relatively poor with portable terminal, dirigibility is also lower;
2, through radio frequency (RF; Radio Frequency)-and the SIM realization: need the SIM in the portable terminal be replaced by the RF-SIM card; That is to say that needing the user to change SIM in the portable terminal could realize that smart card is professional, so dirigibility is lower, application prospect is wideless.
Therefore prior art combines portable terminal when realizing that smart card is professional with smart card, compatible relatively poor with portable terminal, and dirigibility is lower.
Summary of the invention
The embodiment of the invention provides the professional disposal system of a kind of smart card, method, smart card and mobile terminal case; In order to solve in the prior art portable terminal is combined with smart card when realizing the smart card business; Compatible relatively poor with portable terminal, and the lower problem of dirigibility.
Embodiment of the invention technical scheme is following:
The professional disposal system of a kind of smart card; Comprise portable terminal and smart card, said portable terminal links to each other with the interface module of said smart card through data-interface, wherein: portable terminal; Be used for when needs are handled the smart card business; Through said data-interface, send the first business processing message to said smart card, carry the professional service identification of smart card that needs processing in the said first business processing message; Smart card after being used for receiving the said first business processing message through said interface module, carries out handled to the corresponding smart card business of service identification of carrying in the said first business processing message.
The professional disposal route of a kind of smart card; The method comprising the steps of: smart card passes through interface module; The first business processing message that mobile terminal receive sends; Said portable terminal links to each other with the interface module of said smart card through data-interface, carries the professional service identification of smart card that needs processing in the said first business processing message; And the corresponding smart card business of the service identification that carries in the said first business processing message carried out handled.
A kind of smart card comprises: interface module is used to connect the data-interface of portable terminal; Central processing unit; Be used for through said interface module; Receive the first business processing message that said portable terminal sends; Carry the professional service identification of smart card that needs processing in the said first business processing message, and the corresponding smart card business of service identification of carrying in the said first business processing message is carried out handled.
A kind of mobile terminal case; Comprise above-mentioned smart card, data-interface, internal layer shell and outer shell; Wherein: said data-interface places on the said internal layer shell; One end of said data-interface links to each other with interface module in the said smart card, the other end with link to each other with the data-interface of the portable terminal of said mobile terminal case coupling; Said smart card places between said internal layer shell and the said outer shell.
In the embodiment of the invention technical scheme; Portable terminal links to each other with the interface module of smart card through data-interface; When portable terminal is handled the smart card business at needs,, send the first business processing message to above-mentioned smart card through above-mentioned data-interface; Wherein, Carry the professional service identification of smart card that needs processing in the first business processing message, after smart card receives the first business processing message through above-mentioned interface module, the corresponding smart card business of service identification of carrying in the first business processing message is carried out handled.Therefore; Embodiment of the invention technical scheme combines portable terminal when realizing that smart card is professional with smart card; Need not at portable terminal set inside radio-frequency antenna, but directly the interface module of smart card is linked to each other with the data-interface of portable terminal, so the user need not change specific portable terminal and could realize the smart card business; Thereby improved compatibility effectively with portable terminal; Therefore in addition, embodiment of the invention technical scheme also need not the user and changes the SIM in the portable terminal, has improved the portable terminal dirigibility when realizing the smart card business that combines with smart card effectively.
Description of drawings
Fig. 1 is in the embodiment of the invention one, the professional disposal system structural representation of smart card;
Fig. 2 is in the embodiment of the invention two, the smartcard internal structural representation;
Fig. 3 is in the embodiment of the invention three, the structural representation of mobile terminal case;
Fig. 4 is in the embodiment of the invention three, the schematic appearance of mobile terminal case;
Fig. 5 is in the embodiment of the invention three, the vertical view of mobile terminal case;
Fig. 6 is in the embodiment of the invention three, the front elevation of mobile terminal case;
Fig. 7 is in the embodiment of the invention three, the side view of mobile terminal case;
Fig. 8 is in the embodiment of the invention four, the professional process flow synoptic diagram of smart card;
Fig. 9 is in the embodiment of the invention five, the realization Organization Chart of the professional disposal route of smart card;
Figure 10 is in the embodiment of the invention five, and the smart card of need handling is professional for reading the stored value card amount of money when professional, smart card business process flow synoptic diagram;
Figure 11 is in the embodiment of the invention five, when the smart card business that need handle is the stored value card recharging service, and the professional process flow synoptic diagram of smart card;
Figure 12 is in the embodiment of the invention five, when the smart card business that need handle is payment transaction, and the professional process flow synoptic diagram of smart card;
Figure 13 is in the embodiment of the invention six, the realization Organization Chart of the professional disposal route of smart card;
Figure 14 is in the embodiment of the invention six, and the smart card of need handling is professional for reading the stored value card amount of money when professional, smart card business process flow synoptic diagram;
Figure 15 is in the embodiment of the invention seven, the realization Organization Chart of the professional disposal route of smart card.
Embodiment
At length set forth to the main realization principle of embodiment of the invention technical scheme, embodiment and to the beneficial effect that should be able to reach below in conjunction with each accompanying drawing.
Embodiment one
As shown in Figure 1, for the professional disposal system structural representation of smart card in the embodiment of the invention one, comprise portable terminal and smart card, portable terminal links to each other with the interface module of smart card through data-interface, wherein:
Portable terminal is used for when needs are handled the smart card business, through above-mentioned data-interface, sending the first business processing message to above-mentioned smart card, wherein, carries the professional service identification of smart card that needs processing in the first business processing message;
Smart card after being used for receiving the first business processing message through above-mentioned interface module, carries out handled to the corresponding smart card business of service identification of carrying in the first business processing message.
Wherein, The data-interface that links to each other with smart card in the portable terminal can but be not limited to USB (USB, Universal Serial Bus) interface, in the embodiment of the invention one; Portable terminal and smart card are combined when realizing that smart card is professional; Radio-frequency antenna need be set in portable terminal, need not change the SIM in the portable terminal yet, but directly the data-interface of portable terminal linked to each other with the interface module of smart card; Portable terminal can continue to use original SIM to communicate by letter normally; Handle smart card when professional at needs, realize that through the smart card that links to each other smart card is professional again, thereby improved with the compatible of portable terminal effectively and handle the dirigibility of smart card when professional.
In the embodiment of the invention one, above-mentioned smart card business can but be not limited to data to read business or data modification professional.
When above-mentioned smart card business reads business for data; The service identification that carries in the first business processing message that portable terminal sends is that data read professional corresponding service sign; And also carry the Data Identification of the business datum that need read in the first business processing message, when above-mentioned smart card carries out handled to the corresponding smart card business of service identification of carrying in the first business processing message, concrete according to the service identification that carries in the first business processing message that receives; Determine the smart card business that needs to handle and read business for data; According to the Data Identification that carries in the first business processing message that receives, in the business datum of storage, find out the business datum that above-mentioned portable terminal need read then; Again through said interface module; The business datum that reads is sent to above-mentioned portable terminal, and portable terminal represents the business datum that receives, and the user just can check the business datum in the smart card through portable terminal.
Wherein, The business datum that above-mentioned needs read can but be not limited to the account amount of money, dealing money or transaction record; Above-mentioned account refers to the stored value card or the electronic bankbook of smart card; The user can read the account amount of money of continuous smart card through portable terminal, perhaps reads the at the appointed time interior dealing money of section of this smart card, perhaps reads the at the appointed time interior transaction record of section of this smart card.
When above-mentioned smart card business was the data modification business, the service identification that carries in the first business processing message that portable terminal sends was the professional corresponding service sign of data modification, and also carried the type identification of revising the type correspondence and the modification numerical value that needs to revise in the first business processing message; Wherein, Revise type can but be not limited to increase and revise or deduction is revised, when portable terminal is revised the specified services data in the smart card at needs, send data modification request message to the background processing system of network side; The modification numerical value of carry the professional corresponding service sign of data modification in this data modification request message, revising the corresponding type identification of type and need to revise; Background processing system with the professional corresponding service sign of data modification, revise the corresponding type identification of type and the modification numerical value that needs to revise is carried in the first business processing message, and, the modification numerical value that carries in the first business processing message is encrypted according to first key of making an appointment with above-mentioned smart card; The modification numerical value and the first business processing message after after will encrypting then send to portable terminal in the lump; Portable terminal is given above-mentioned smart card with the modification numerical value after encrypting and the first business processing forwards through said data-interface, second key that smart card basis and said background processing system are made an appointment; Modification numerical value to receiving after the encryption carries out authentication; If authentication is passed through, then according to the data modification business corresponding service sign of carrying in the first business processing message, determining the smart card that needs processing professional is that data modification is professional; Smart card is according to the type identification of the modification type correspondence of carrying in the first business processing message and the modification numerical value that needs are revised then; Said specified services data to storage are made amendment, and revise for increasing if revise type, and then smart card is to the said specified services data of storage; Increase said modification numerical value; Revise for deduction if revise type, then smart card is deducted said modification numerical value to the said specified services data of storage.
Wherein, above-mentioned specified services data can but be not limited to the account amount of money of storing in the smart card, at this moment; If revising type revises for increasing; Then this data modification business is actually the account charging business, and the account amount of money that is about to smart card increases respective value, revises for deduction if revise type; Then this data modification business is actually payment transaction, promptly from the account amount of money of smart card, deducts respective value.
By on can know; The smart card that need handle when portable terminal is professional to be data modification when professional to need background processing system to encrypt revising numerical value, in order to improve the professional security of smart card; Background processing system is before encrypting modification numerical value; Can carry out authentication to this smart card, in the embodiment of the invention one, background processing system can be carried out authentication to smart card according to the release data of smart card; And smart card is carried out business authentication according to above-mentioned specified services data, be specially:
Portable terminal is if need carry out the data modification business; Then before the modification numerical value and the first business processing message that send to smart card after encrypting,, send data read cancellation breath to smart card through above-mentioned data-interface; After this smart card receives data read cancellation breath; Through said interface module, the release data and the said specified services data of storing are sent to portable terminal, portable terminal sends to background processing system with release data that receives and said specified services data carry in data modification request message; Background processing system is according to the release data and the said specified services data of carrying in the data modification request message that receives; Above-mentioned smart card is carried out authentication, after authentication is passed through, according to first key of making an appointment with above-mentioned smart card; Modification numerical value to carrying in the first business processing message is encrypted, and the modification numerical value after will encrypting then and the first business processing message send to portable terminal.
Wherein, background processing system is carried out authentication according to the release data of carrying in the data modification request message to smart card; And according to the said specified services data of carrying in the data modification request message; Smart card is carried out business authentication, and it is professional whether this smart card of authentication can handle this data modification, for example; When revising type for the deduction modification, background processing system needs the numerical value of the account amount of money of this smart card of authentication whether to be not less than the numerical value of needs deduction.
In addition, background processing system can also be carried out authentication to smart card according to the release data and the certificate of certification data of smart card, and according to above-mentioned specified services data smart card is carried out business authentication, is specially:
Portable terminal is if need carry out the data modification business; Then before the modification numerical value and the first business processing message that send to smart card after encrypting,, send data read cancellation breath to smart card through above-mentioned data-interface; After this smart card receives data read cancellation breath; Through said interface module, release data, certificate of certification data and the said specified services data of storing are sent to portable terminal, portable terminal sends to background processing system with the release data that receives, certificate of certification data and said specified services data carry in data modification request message; Background processing system is according to release data, certificate of certification data and the said specified services data of carrying in the data modification request message that receives; Above-mentioned smart card is carried out authentication, after authentication is passed through, according to first key of making an appointment with above-mentioned smart card; Modification numerical value to carrying in the first business processing message is encrypted, and the modification numerical value after will encrypting then and the first business processing message send to portable terminal.
Wherein, background processing system is carried out authentication according to release data of carrying in the data modification request message and certificate of certification data to smart card, and according to the said specified services data of carrying in the data modification request message, smart card is carried out business authentication.
In the embodiment of the invention one, background processing system can be carried out authentication earlier, carries out business authentication again; Also can advanced industry affair authentication; Carry out authentication again, can also carry out authentication and business authentication simultaneously, the sequencing of business authentication and authentication is not limited here.
Portable terminal not only can be handled the smart card business of continuous smart card, also can be through this smart card that links to each other, and the smart card that handle other smart card is professional, is specially:
If it is professional that portable terminal need be handled the smart card of other smart card; For example; Read the account amount of money of other smart card, for other smart card carries out the account amount of money, uses that other smart card is paid etc., then through said data-interface, to the smart card transmission emission of radio frequency signals request message that links to each other with this portable terminal; The smart card that links to each other with this portable terminal is after receiving the emission of radio frequency signals request message; Emitting radio frequency signal, and monitor other smart card in the radiofrequency signal scope that enters into emission, through said interface module; Second that mobile terminal receive sends, as to be directed against other smart card business processing message; The second business processing message that the smart card that links to each other with this portable terminal will receive sends to the smart card that monitors, and in this case, the smart card that links to each other with this portable terminal mainly is used for transmitting and handle mobile terminal and enter into interactive messages and data between other smart card in the radiofrequency signal scope.
Can know by above-mentioned processing procedure; In the embodiment of the invention technical scheme, portable terminal links to each other with the interface module of smart card through data-interface, when portable terminal is handled the smart card business at needs; Through above-mentioned data-interface; Send the first business processing message to above-mentioned smart card, wherein, carry the professional service identification of smart card that needs processing in the first business processing message; After smart card receives the first business processing message through above-mentioned interface module, the corresponding smart card business of service identification of carrying in the first business processing message is carried out handled.Therefore; Embodiment of the invention technical scheme combines portable terminal when realizing that smart card is professional with smart card; Need not at portable terminal set inside radio-frequency antenna, but directly the interface module of smart card is linked to each other with the data-interface of portable terminal, so the user need not change specific portable terminal and could realize the smart card business; Thereby improved compatibility effectively with portable terminal; Therefore in addition, embodiment of the invention technical scheme also need not the user and changes the SIM in the portable terminal, has improved the portable terminal dirigibility when realizing the smart card business that combines with smart card effectively.
Embodiment two
Based on the professional disposal system of above-mentioned smart card, the embodiment of the invention two proposes a kind of smart card, and its structure is as shown in Figure 2, comprises interface module 21 and central processing unit 22, wherein:
In the embodiment of the invention two; The interface module of smart card links to each other with the data-interface of portable terminal; Professional to realize smart card through portable terminal; Therefore need not in portable terminal, to be provided with radio-frequency antenna, also need not change the SIM in the portable terminal, thereby can improve with the compatible of portable terminal effectively and handle the dirigibility of smart card when professional.
Preferably, also comprise data memory module 23 in the said smart card, store the business datum of said smart card, above-mentioned smart card business can but be not limited to data to read business or data modification professional.
When above-mentioned smart card business reads business for data; The service identification that in the first business processing message that central processing unit 22 receives, carries is that data read professional corresponding service sign; When also carrying the Data Identification of the business datum that need read in the said first business processing message; Said central processing unit 22 specifically is used for the service identification that carries according to the said first business processing message, determines the smart card business that needs to handle and reads business for data, then according to the Data Identification that carries in the said first business processing message; In the business datum of data memory module 23 storages; Search the business datum that said portable terminal need read, and, the business datum that reads is sent to said portable terminal through said interface module 21.Wherein, the business datum that reads of above-mentioned needs can but be not limited to the account amount of money, dealing money or transaction record.
When above-mentioned smart card business is the data modification business; The service identification that in the first business processing message that said central processing unit 22 receives, carries is the professional corresponding service sign of data modification; Also carry in the said first business processing message when revising the corresponding type identification of type and needing the modification numerical value of modification; First key that said central processing unit 22 specifically is used for is that mobile terminal receive sends, background processing system basis and said smart card are made an appointment; The modification numerical value that carries in the said first business processing message is encrypted the modification numerical value and the first business processing message after the encryption of sending the back; Second key according to making an appointment with background processing system carries out authentication to the modification numerical value after the encryption that receives, after authentication is passed through; According to the said service identification that carries in the first business processing message; Determining the smart card business that needs to handle is that data modification is professional, then according to said type identification that carries in the first business processing message and said modification numerical value, the specified services data of data memory module 23 storages is made amendment.Wherein, Revise type can but be not limited to increase and revise or deduction is revised, revise for increasing if revise type, then central processing unit 22 is to the said specified services data of data memory module 23 storages; Increase said modification numerical value; Revise for deduction if revise type, then central processing unit 22 is deducted said modification numerical value to the said specified services data of data memory module 23 storages.
Wherein, above-mentioned specified services data can but be not limited to the account amount of money of storing in the smart card, at this moment; If revising type revises for increasing; Then this data modification business is actually the account charging business, and the account amount of money that is about to smart card increases respective value, revises for deduction if revise type; Then this data modification business is actually payment transaction, promptly from the account amount of money of smart card, deducts respective value.
The smart card that need handle when portable terminal is professional to be data modification when professional; Need background processing system to encrypt to revising numerical value; In order to improve the professional security of smart card; Background processing system can be carried out authentication to this smart card before modification numerical value is encrypted, background processing system can be carried out authentication to smart card according to the release data of smart card; And smart card is carried out business authentication according to above-mentioned specified services data; Wherein, store the business datum and the release data of smart card in the data memory module 23, central processing unit 22 also was used for before the first business processing message that mobile terminal receive sends; Data read cancellation breath according to the portable terminal that receives through said interface module 21 sends sends to said portable terminal through said interface module 21 with release data of storing in the said data memory module and specified services data.
In addition; Background processing system can also be carried out authentication to smart card according to the release data and the certificate of certification data of smart card; And smart card is carried out business authentication according to above-mentioned specified services data, wherein, store the business datum and the release data of said smart card in the data memory module 23; Said smart card also comprises security authentication module 24; Store the certificate of certification data of said smart card, central processing unit 22 also was used for before the first business processing message that mobile terminal receive sends, and the data read cancellation of sending according to the portable terminal that receives through said interface module 21 ceases; Through the certificate of certification data of said interface module, send to said portable terminal in the lump with storage in the release data of storing in the data memory module 23 and specified services data and the security authentication module 24.
Portable terminal not only can be handled the smart card business of continuous smart card; Also can be through this smart card that links to each other, the smart card of handling other smart card is professional, and is professional if portable terminal need be handled the smart card of other smart card; For example; Read the account amount of money of other smart card, supplement, use that other smart card is paid with money etc. for other smart card, then through said data-interface, to the smart card transmission emission of radio frequency signals request message that links to each other with this portable terminal; The smart card that links to each other with this portable terminal also comprises radio-frequency module 25 and radio-frequency antenna 26; Said central processing unit 22 also is used for through said interface module 21, receives the emission of radio frequency signals request message that said portable terminal sends, and the emission of radio frequency signals request message that receives is sent to said radio-frequency module 25; And through said interface module 21; Receive the second business processing message to other smart card that said portable terminal sends, and the second business processing message that will receive sends to said radio-frequency module 25, radio-frequency module 25 is used for after receiving said emission of radio frequency signals request message; Through said radio-frequency antenna 26 emitting radio frequency signals; And monitor other smart card in the radiofrequency signal scope that enters into emission, and after receiving the second business processing message, the second business processing message is sent to the smart card that monitors through said radio-frequency antenna 26.
In the embodiment of the invention two, data memory module 23 and radio-frequency module 25 can individual packages on physical arrangement, also can be packaged together with central processing unit 22.
Handle smart card when professional through the RF-SIM card in the prior art, its frequency of operation is 2.4GHz, and the smart card standard of the 13.56MHz that promotes mainly with each big industry (like finance, traffic etc.) does not at present conform to, so application prospect is wideless.And the smart card that the embodiment of the invention two proposes can adopt the frequency of operation of 13.56MHz, therefore conforms to existing smart card standard, and application prospect is extensive.
Embodiment three
Based on above-mentioned smart card, the embodiment of the invention three proposes a kind of mobile terminal case, and its structure is as shown in Figure 3, comprises smart card 31 (its structure is as shown in Figure 2), data-interface 32, internal layer shell 33 and outer shell 34, wherein:
Said data-interface 32 places on the said internal layer shell 33; One end of said data-interface 32 links to each other with interface module in the said smart card 31; The other end with link to each other with the data-interface of the portable terminal of said mobile terminal case coupling, said smart card 31 places between said internal layer shell 33 and the said outer shell 34.
Preferably, in said mobile shell, can also comprise screen layer, place between said smart card 31 and the said outer shell 34.
The mobile terminal case that the embodiment of the invention three proposes can be installed on the portable terminal of coupling; Need not portable terminal is carried out the change of hardware configuration; Realize that smart card is professional if need to use portable terminal; Then only need to be installed on this portable terminal with the mobile terminal case of this portable terminal coupling and get final product, thereby can improve with the compatible of portable terminal effectively and the dirigibility when handling the smart card business, wherein; Mobile terminal case and portable terminal coupling is meant that the data-interface of data-interface and portable terminal on the mobile terminal case matees, as is the identical USB interface of specification.
As shown in Figure 4, the schematic appearance of the mobile terminal case that proposes for the embodiment of the invention three, its vertical view is as shown in Figure 5, and its front elevation is as shown in Figure 6, and its side view is as shown in Figure 7.
Embodiment four
Based on the professional disposal system of above-mentioned smart card, the embodiment of the invention four proposes the professional disposal route of a kind of smart card, and as shown in Figure 8, its concrete treatment scheme is following:
Step 81; Smart card passes through interface module; The first business processing message that mobile terminal receive sends, said portable terminal links to each other with the interface module of said smart card through data-interface, carries the professional service identification of smart card that needs processing in the said first business processing message;
Step 82 is carried out handled to the corresponding smart card business of service identification of carrying in the said first business processing message.
Wherein, the data-interface that links to each other with smart card in the portable terminal can but be not limited to USB interface.
In the embodiment of the invention one, above-mentioned smart card business can but be not limited to data to read business or data modification professional.
If it is professional that portable terminal is handled the smart card of the smart card that links to each other; This smart card mode of operation one that has the initiative at this moment then; If the smart card of portable terminal through linking to each other; The smart card that handle to get into other smart card in the radiofrequency signal scope is professional, and if the smart card that then links to each other with the portable terminal mode of operation two that has the initiative at this moment is in the radiofrequency signal scope of smart card other smart cards of entering or POS equipment; Then this smart card is in passive work mode at this moment, describes in detail to three kinds of mode of operations respectively below.
Embodiment five
When interface module that need be through portable terminal is directly operated when realizing that smart card is professional smart card; The user selects active work mode one through portable terminal; The communication of setting up between portable terminal and the smart card connects; As shown in Figure 9; Be the realization Organization Chart of the professional disposal route of smart card in the embodiment of the invention five, at this moment, portable terminal can read the business datum (like the account amount of money, dealing money or transaction record etc.) in the continuous smart card; Also can carry out account charging (amount of money of supplementing with money is provided by Web bank or provided in the backstage account of network side binding by the user), can also use continuous smart card to carry out consumption and payment to the smart card that links to each other.
If the smart card business that needs to handle is then shown in figure 10 for reading stored value card amount of money business, in the embodiment of the invention five, the professional process flow figure of smart card, its concrete treatment scheme is following:
Step 101, it is active work mode one that the user selects the mode of operation of smart card through portable terminal;
Between the step 102, portable terminal and the smart card that links to each other mode of operation is set, the communication of setting up between portable terminal and the smart card connects, and portable terminal is supplied power for this smart card;
Step 103, the user is in each smart card business that portable terminal provides, and the smart card business that selection needs to handle is for reading stored value card amount of money business;
Step 104, portable terminal are sent the stored value card amount of money to smart card and are read message through data-interface, and the stored value card amount of money reads and carries the Data Identification that reads the professional corresponding service sign of the stored value card amount of money, stored value card amount of money correspondence in the message;
Step 105; Smart card passes through interface module; Receive after the stored value card amount of money that portable terminal sends reads message, read the service identification that carries in the message according to the stored value card amount of money, it is professional for reading stored value card amount of money business to determine the smart card that needs to handle;
Step 106, smart card reads the Data Identification that carries in the message according to the stored value card amount of money, in the business datum of storage, finds the stored value card amount of money;
Step 107, smart card sends to portable terminal through interface module with the stored value card amount of money that reads;
Step 108, portable terminal represents the stored value card amount of money that receives.
If the smart card business that needs to handle is the stored value card recharging service, and is then shown in figure 11, in the embodiment of the invention five, the professional process flow figure of smart card, its concrete treatment scheme is following:
Step 111, it is active work mode one that the user selects the mode of operation of smart card through portable terminal;
Between the step 112, portable terminal and the smart card that links to each other mode of operation is set, sets up the connection between portable terminal and the smart card, portable terminal is this smart card power supply;
Step 113, the user is in each smart card business that portable terminal provides, and the smart card business that selection needs to handle is the stored value card recharging service;
Step 114, portable terminal are sent data read cancellation breath through data-interface to smart card;
Step 115, smart card be through interface module, receive the data read cancellation breath that portable terminal sends after, the data such as release data, certificate of certification data and the stored value card amount of money of storage are sent to portable terminal;
Step 116; Portable terminal sends the stored value card recharge request message to background processing system, the recharge amount that carries release data, certificate of certification data, the stored value card amount of money, stored value card recharging service corresponding service sign in this stored value card recharge request message and need supplement with money;
Step 117, background processing system is carried out authentication according to release data, certificate of certification data and the stored value card amount of money to smart card;
Step 118, after authentication was passed through, first key that background processing system basis and smart card are made an appointment was encrypted the recharge amount that needs are supplemented with money;
Step 119, the recharge amount after background processing system will be encrypted is supplemented message with money with the stored value card of the recharge amount that carries stored value card recharging service corresponding service sign and need supplement with money and is sent to portable terminal;
Step 1110, portable terminal are supplemented recharge amount after the encryption after encrypting and stored value card with money forwards to smart card through data-interface;
Second key that step 1111, smart card basis and background processing system are made an appointment carries out authentication to the recharge amount after the encryption that receives;
Step 1112, after authentication was passed through, smart card was supplemented the stored value card recharging service corresponding service sign of carrying in the message with money according to stored value card, determined the smart card business that needs to handle and was the stored value card recharging service;
Step 1113, smart card is supplemented the recharge amount that the needs that carry in the message are supplemented with money with money according to stored value card, and the stored value card amount of money is made amendment;
Step 1114, smart card are sent the successful recharging response message through interface module to portable terminal;
Step 1115, portable terminal are sent to background processing system and are supplemented completion message with money;
Step 1116, background processing system are sent to portable terminal and are supplemented the completion response message with money.
If the smart card business that needs to handle is a payment transaction, and is then shown in figure 12, in the embodiment of the invention five, the professional process flow figure of smart card, its concrete treatment scheme is following:
Step 121, it is active work mode one that the user selects the mode of operation of smart card through portable terminal;
Between the step 122, portable terminal and the smart card that links to each other mode of operation is set, the communication of setting up between portable terminal and the smart card connects, and portable terminal is supplied power for this smart card;
Step 123, the user is in each smart card business that portable terminal provides, and the smart card business that selection needs to handle is a payment transaction;
Step 124, portable terminal are sent data read cancellation breath through data-interface to smart card;
Step 125, smart card be through interface module, receive the data read cancellation breath that portable terminal sends after, release data, certificate of certification data and the stored value card amount of money of storage is sent to portable terminal;
Step 126, portable terminal sends payment request message to background processing system, the payment that carries release data, certificate of certification data, the stored value card amount of money, payment transaction corresponding service sign in this payment request message and need to pay;
Step 127, background processing system is carried out authentication according to release data, certificate of certification data and the stored value card amount of money to smart card;
Step 128, after authentication was passed through, first key that background processing system basis and smart card are made an appointment was encrypted the payment of needs payment;
Step 129, the payment after background processing system will be encrypted sends to portable terminal with the payment message of the payment that carries payment transaction corresponding service sign and need to pay;
Step 1210, portable terminal are transmitted to smart card through data-interface with payment and payment message after encrypting;
Second key that step 1211, smart card basis and background processing system are made an appointment carries out authentication to the payment after encrypting;
Step 1212, after authentication was passed through, smart card was determined the smart card business that needs to handle and is payment transaction according to the payment transaction corresponding service sign of carrying in the payment message;
Step 1213, smart card is made amendment to the stored value card amount of money according to the payment of the needs payment of carrying in the payment message;
Step 1214, smart card are sent payment success response message through interface module to portable terminal;
Step 1215, portable terminal sends payment to background processing system and accomplishes message;
Step 1216, background processing system is sent payment to portable terminal and is accomplished response message.
Embodiment six
Need be when portable terminal through the smart card that links to each other, when handling the smart card business of other smart card, the user selects active work mode two through portable terminal; Between portable terminal and the continuous smart card mode of operation is set; Set up the connection between portable terminal and the continuous smart card, shown in figure 13, be the realization Organization Chart of the professional disposal route of smart card in the embodiment of the invention six; At this moment; Portable terminal can read the business datum (like the stored value card amount of money, dealing money or transaction record etc.) in other smart card, also can carry out stored value card to other smart card and supplement (amount of money of supplementing with money is provided by Web bank or provided in the backstage account of network side binding by the user) with money, can also use other smart card to carry out consumption and payment; Can also and other smart cards between carry out the transfer of fund, it is professional promptly to move money between the card.
If the smart card business that needs to handle is then shown in figure 14 for reading stored value card amount of money business, in the embodiment of the invention six, the professional process flow figure of smart card, its concrete treatment scheme is following:
Step 141, it is active work mode two that the user selects the mode of operation of smart card through portable terminal;
Between the step 142, portable terminal and the smart card that links to each other mode of operation is set, sets up the connection between portable terminal and the smart card, portable terminal is this smart card power supply;
Step 143, the user is in each smart card business that portable terminal provides, and the smart card business that selection needs to handle is for reading stored value card amount of money business;
Step 144, portable terminal are sent the emission of radio frequency signals request message through data-interface to the smart card that links to each other with this portable terminal;
Step 145, the smart card that links to each other with this portable terminal after receiving the emission of radio frequency signals request message, emitting radio frequency signal;
Step 146, the smart card that links to each other with this portable terminal is monitored other smart card in the radiofrequency signal scope that enters into emission;
Step 147; Portable terminal passes through data-interface; Send the stored value card amount of money to the smart card that links to each other and read message, the stored value card amount of money reads and carries the Data Identification that reads the professional corresponding service sign of the stored value card amount of money, stored value card amount of money correspondence in the message;
Step 148, the smart card that links to each other with this portable terminal reads message with the stored value card amount of money that receives and sends to other smart card that monitors;
Step 149, this other smart card reads the service identification that carries in the message according to the stored value card amount of money, and it is professional professional for reading the stored value card amount of money to determine the smart card that needs processing;
Step 1410, smart card reads the Data Identification that carries in the message according to the stored value card amount of money, in the business datum of storage, finds the stored value card amount of money;
Step 1411, other smart card sends to the smart card that links to each other with this portable terminal with the stored value card amount of money that reads;
Step 1412, the smart card that links to each other with portable terminal sends to portable terminal through interface module with the stored value card amount of money that receives;
Step 1413, portable terminal represents the stored value card amount of money that receives.
By on can know that during the mode of operation two that has the initiative, smart card mainly is used for the read-write card instruction that mobile terminal receive sends, and other smart card that enters in the radiofrequency signal scope is carried out data write (comprising: read and revise).
Treatment scheme and above-mentioned treatment scheme when the smart card business that need handle is stored value card recharging service or stored value card payment transaction are similar, repeat no more here.
Move money between for card when professional when the smart card that needs are handled is professional, can regard payment transaction and the merging of the stored value card recharging service of the smart card of the fund of immigration of the smart card of the fund of shifting out as, also repeat no more here.
Embodiment seven
When the user closes active work mode through portable terminal; When promptly selecting passive work mode, smart card only uses as common smart card, accepts the read-write operation of other smart cards or POS equipment; Do not receive operational order from portable terminal; Shown in figure 15, when being that the realization Organization Chart of the professional disposal route of smart card in the embodiment of the invention seven, smart card enter in the radiofrequency signal scope of POS equipment or other smart card; POS equipment or other smart card can read the business datum (like the stored value card amount of money, dealing money or transaction record etc.) in this smart card; Also can carry out stored value card and supplement (amount of money of supplementing with money is provided by Web bank or provided in the backstage account of network side binding by the user) with money, can also use this smart card to carry out the money of moving between consumption and payment and card, in this case to this smart card; The professional disposal route of smart card is consistent with the method for smart card self realization smart card business in the prior art, repeats no more here.
Although described the preferred embodiments of the present invention, in a single day those skilled in the art get the basic inventive concept could of cicada, then can make other change and modification to these embodiment.So accompanying claims is intended to be interpreted as all changes and the modification that comprises preferred embodiment and fall into the scope of the invention.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, belong within the scope of claim of the present invention and equivalent technologies thereof if of the present invention these are revised with modification, then the present invention also is intended to comprise these changes and modification interior.
Claims (16)
1. the professional disposal system of smart card is characterized in that comprise portable terminal and smart card, said portable terminal links to each other with the interface module of said smart card through data-interface, wherein:
Portable terminal is used for when needs are handled the smart card business, through said data-interface, sending the first business processing message to said smart card, carries the professional service identification of smart card that needs processing in the said first business processing message;
Smart card after being used for receiving the said first business processing message through said interface module, carries out handled to the corresponding smart card business of service identification of carrying in the said first business processing message.
2. the system of claim 1; It is characterized in that; The service identification that carries in the first business processing message that portable terminal sends is that data read professional corresponding service sign, and also carries the Data Identification of the business datum that need read in the said first business processing message;
Said smart card; Specifically be used for the service identification that carries according to the said first business processing message, confirm that the smart card business that needs to handle reads business for data, according to the Data Identification that carries in the said first business processing message; In the business datum of storage; Search the business datum that said portable terminal need read,, the business datum that reads is sent to said portable terminal through said interface module.
3. the system of claim 1; It is characterized in that; The service identification that carries in the said first business processing message that portable terminal sends is the professional corresponding service sign of data modification, and also carries the type identification of revising the type correspondence and the modification numerical value that needs to revise in the said first business processing message;
Said portable terminal; Specifically be used for when needs are revised the specified services data of smart card; Send data modification request message to background processing system; The modification numerical value of carry the professional corresponding service sign of data modification in the said data modification request message, revising the corresponding type identification of type and need to revise; Receive first key that background processing system basis and said smart card are made an appointment; The modification numerical value that carries in the said first business processing message is encrypted the modification numerical value and the first business processing message after the encryption of sending the back, and, the modification numerical value and the first business processing message after encrypting are sent to said smart card through said data-interface;
Said smart card; Specifically be used for second key that basis and said background processing system are made an appointment, the modification numerical value after encrypting carried out authentication, after authentication is passed through; According to the said service identification that carries in the first business processing message; Confirm that the smart card business that needs to handle is that data modification is professional,, the said specified services data of storage are made amendment according to said type identification that carries in the first business processing message and said modification numerical value.
4. system as claimed in claim 3 is characterized in that, said modification type is revised or the deduction modification for increasing.
5. system as claimed in claim 3; It is characterized in that; Said portable terminal also is used for before the modification numerical value and the first business processing message that send to said smart card after encrypting, through said data-interface; Send data read cancellation breath to said smart card, and said smart card is sent to background processing system according to release data and the said specified services data carry that data read cancellation breath returns in data modification request message;
Said portable terminal; Specifically be used for receiving release data and the said specified services data that background processing system is carried according to the data modification request message that receives; After said smart card carried out authentication and pass through; According to first key of making an appointment with said smart card, the modification numerical value that carries in the first business processing message is encrypted the modification numerical value and the first business processing message after the encryption of sending the back;
Said smart card; Also be used for before the modification numerical value and the first business processing message after the encryption that mobile terminal receive sends; Data read cancellation breath according to receiving through interface module sends to said portable terminal with the release data and the said specified services data of storing through said interface module.
6. system as claimed in claim 5 is characterized in that, smart card also is used for the certificate of certification data of storage are sent to said portable terminal in company with said release data, said specified services data through said interface module in the lump;
Said portable terminal also is used for the certificate of certification data carry that receives is sent to background processing system in data modification request message, and wherein the certificate of certification data are used for background processing system and said smart card is carried out authentication use.
7. the system of claim 1 is characterized in that, said portable terminal also is used for through said data-interface, sends the emission of radio frequency signals request message to said smart card;
Said smart card; Also be used for after receiving said emission of radio frequency signals request message; Emitting radio frequency signal; And monitor other smart card in the radiofrequency signal scope that enters into said smart card emission, and receive the second business processing message that said portable terminal sends through said interface module, and the second business processing message that will receive sends to the smart card that monitors.
8. the professional disposal route of smart card is characterized in that, comprising:
Smart card passes through interface module; The first business processing message that mobile terminal receive sends; Said portable terminal links to each other with the interface module of said smart card through data-interface, carries the professional service identification of smart card that needs processing in the said first business processing message; And
The corresponding smart card business of service identification to carrying in the said first business processing message is carried out handled.
9. a smart card is characterized in that, comprising:
Interface module is used to connect the data-interface of portable terminal;
Central processing unit; Be used for through said interface module; Receive the first business processing message that said portable terminal sends; Carry the professional service identification of smart card that needs processing in the said first business processing message, and the corresponding smart card business of service identification of carrying in the said first business processing message is carried out handled.
10. smart card as claimed in claim 9 is characterized in that, also comprises data memory module, stores the business datum of said smart card;
The service identification that in the first business processing message that said central processing unit receives, carries is that data read professional corresponding service sign; When also carrying the Data Identification of the business datum that need read in the said first business processing message; Said central processing unit; Specifically be used for the service identification that carries according to the said first business processing message, confirm that the smart card business that needs to handle reads business for data, according to the Data Identification that carries in the said first business processing message; In the business datum of data memory module storage; Search the business datum that said portable terminal need read, and, the business datum that reads is sent to said portable terminal through said interface module.
11. smart card as claimed in claim 9 is characterized in that, also comprises data memory module, stores the business datum of said smart card;
The service identification that in the first business processing message that said central processing unit receives, carries is the professional corresponding service sign of data modification; Also carry in the said first business processing message when revising the corresponding type identification of type and needing the modification numerical value of modification; Said central processing unit; Specifically be used for first key that mobile terminal receive sends, background processing system basis and said smart card are made an appointment, the modification numerical value that carries in the said first business processing message encrypted the modification numerical value and the first business processing message after the encryption of sending the back, according to second key of making an appointment with background processing system; Modification numerical value to after the encryption that receives carries out authentication; After authentication is passed through,, confirm that the smart card business that needs to handle is that data modification is professional according to the said service identification that carries in the first business processing message; According to said type identification that carries in the first business processing message and said modification numerical value, the specified services data of data memory module storage are made amendment.
12. smart card as claimed in claim 9 is characterized in that, also comprises data memory module, stores the business datum and the release data of said smart card;
Said central processing unit; Also be used for before the first business processing message that mobile terminal receive sends; Data read cancellation breath according to the portable terminal that receives through said interface module sends sends to said portable terminal through said interface module with release data of storing in the said data memory module and specified services data.
13. smart card as claimed in claim 9 is characterized in that, also comprises:
Data memory module stores the business datum and the release data of said smart card;
Security authentication module stores the certificate of certification data of said smart card;
Said central processing unit; Also be used for before the first business processing message that mobile terminal receive sends; The data read cancellation of sending according to the portable terminal that receives through said interface module ceases; With the certificate of certification data of storing in the release data of storing in the data memory module and specified services data and the security authentication module, send to said portable terminal through said interface module in the lump.
14. smart card as claimed in claim 9 is characterized in that, said smart card also comprises radio-frequency module and radio-frequency antenna;
Said central processing unit; Also be used for through said interface module; Receive the emission of radio frequency signals request message that said portable terminal sends, the emission of radio frequency signals request message that receives is sent to said radio-frequency module, and through said interface module; Receive the second business processing message that said portable terminal sends, and the second business processing message that will receive sends to said radio-frequency module;
Said radio-frequency module; Be used for after receiving said emission of radio frequency signals request message; Through said radio-frequency antenna emitting radio frequency signal; And monitor other smart card in the radiofrequency signal scope that enters into said smart card emission, and after receiving the second business processing message, the second business processing message is sent to the smart card that monitors through said radio-frequency antenna.
15. a mobile terminal case is characterized in that, comprises the described smart card of the arbitrary claim of claim 9～14, data-interface, internal layer shell and outer shell, wherein:
Said data-interface places on the said internal layer shell, and an end of said data-interface links to each other with interface module in the said smart card, the other end with link to each other with the data-interface of the portable terminal of said mobile terminal case coupling;
Said smart card places between said internal layer shell and the said outer shell.
16. mobile terminal case as claimed in claim 15 is characterized in that, also comprises:
Screen layer places between said smart card and the said outer shell.
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| CN201110217290.1A CN102436617B (en) | 2011-08-01 | 2011-08-01 | Smart card transaction processing system, method, smart card and mobile terminal case |
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| CN201110217290.1A CN102436617B (en) | 2011-08-01 | 2011-08-01 | Smart card transaction processing system, method, smart card and mobile terminal case |
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| CN102436617B (en) | 2016-07-06 |
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