CN102693480B - Mobile terminal with read card function and mobile terminal payment method - Google Patents
Mobile terminal with read card function and mobile terminal payment method Download PDFInfo
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- CN102693480B CN102693480B CN201210146761.9A CN201210146761A CN102693480B CN 102693480 B CN102693480 B CN 102693480B CN 201210146761 A CN201210146761 A CN 201210146761A CN 102693480 B CN102693480 B CN 102693480B
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Abstract
The invention discloses a mobile terminal with a read card function for reading intelligent card information. The mobile terminal is characterized in that: an intelligent card read module is disposed in the terminal, connected with a processor on a general mobile terminal platform by a COM and processes read-write operation to intelligent cards. Users can read the intelligent card held by themselves via the mobile terminal with the read card function with increasing of intelligent card circulation, thereby the problem of USB key use inconvenience is solved.
Description
Technical field
The present invention relates to and a kind ofly there is the mobile terminal of card-reading function and utilize this mobile terminal to carry out the method paid.
Background technology
Along with the development of ecommerce, online transaction and more and more universal, therefore, also more and more higher to the security requirement of network trading.Each big bank is proposed various U-key one after another to ensure the security of internet bank trade.
Existing way has following shortcoming:
(1): be inconvenient to carry: there is oneself U-key in each bank, needs to carry multiple U-key when going out, inconvenient;
(2): must PC be had, U-key could be used to carry out safe online transaction;
(3): U-Key cost is higher than normal smart cards, and bank also needs to issue U-Key while sending out smart card, adds operation and maintenance cost;
Current bank card medium is in the stage from magnetic stripe card to smart card transition, magnetic stripe card does not possess security feature, and smart card itself possesses security feature from principle, the function such as safety identification authentication and digital signature can be supported, bank intelligent card is made to possess the function of U shield completely, can be used in network on-line payment, but a lot of mobile terminal does not support the function reading and writing smart card at present.
Summary of the invention
The object of this invention is to provide a kind of mobile terminal possessing card-reading function, by information in wired or wireless mode direct read/write smart card, thus the problem that mobile terminal can not read and write smart card can be solved.
For achieving the above object, the present invention is by the following technical solutions: a kind of mobile terminal with card-reading function, in order to read smart card information, it is characterized in that, smart card reader module is provided with in described terminal, this card reading module is connected on the processor of general mobile terminal platform by COM port, carries out read-write operation to smart card.
Especially, this card reading module comprises contact intelligent card seat, contact intelligent card control chip, and the application specific processor be electrically connected with described contact intelligent card control chip, and smart card carries out communication by ISO7816 interface and described card reading module.
Especially, the application specific processor that described card reading module comprises radio-frequency antenna, the radio-frequency card control chip be connected with radio-frequency antenna and is connected with described radio-frequency card control chip, described card reading module reads and writes smart card by radio-frequency antenna.
Especially, described smart card is bank card, has the accounts information of holder.
Especially, described card reading module also comprises Card Reader firmware, is used for the order of the processor accepting general mobile terminal platform, and realizes the read-write operation to smart card.
Especially, described intelligent cards length is greater than the deck degree of depth, and described intelligent cards is electrically connected by communication contact and described intelligent deck.
Especially, in described mobile terminal, be provided with storer, in order to store the driver of this card reading module.
The present invention also discloses a kind of payment method, and apply the above-mentioned mobile terminal with card-reading function, it is characterized in that, the method comprises the following steps:
S1. Web bank's client software is run in host side;
S2. run the U-key assembly in mobile terminal, and read digital certificate and the private key for the identifying user identity that store in smart card by mobile terminal, and described smart card possesses logical encrypt calculation function;
S2. above-mentioned information is sent to above-mentioned main frame;
Above-mentioned information is sent to online banking service device by S3 main frame, and utilize smart card logical encrypt calculation function, between server and smart card, whether identifying user identity is legal, and described online banking service device end stores server certificate and privacy key;
S4. if validated user, then Web bank logs in successfully, sends a transaction request information by this main frame to bank's platform of correspondence; If the result is illegal in step S4, then terminate;
S5. bank's platform processes transaction request information, and returns result.
Especially, described smart card is bank card.
Especially, described mobile terminal is mobile phone or panel computer or POS.
Beneficial effect:
Along with the increase of smart card issuance amount, as long as user has mobile terminal just read-write the held smart card of card-reading function by this, thus solve the problem that mobile terminal does not support to read and write smart card, extend the application of mobile terminal; Payment method disclosed by the invention simultaneously, the function of existing U shield is implanted in smart card, information in smart card is read by mobile terminal, realize subscriber authentication, thus alternative U shield completes network bank business based function, reduce issued by banks and operation cost, and improve the convenience of user's use.
Accompanying drawing explanation
Figure 1 shows that the principle assumption diagram with the mobile terminal of card-reading function of the embodiment of the present invention;
What Figure 2 shows that the embodiment of the present invention has card reading module theory diagram in the mobile terminal of card-reading function;
Figure 3 shows that the payment method process flow diagram of the embodiment of the present invention.
Embodiment
By describing technology contents of the present invention, structural attitude in detail, realized object and effect, accompanying drawing is coordinated to be explained in detail below in conjunction with embodiment.
Mobile terminal below in embodiment, for mobile phone, is described in detail to the mobile terminal with card-reading function, but is not limited thereto, and mobile terminal can also comprise panel computer, POS etc.
Refer to Fig. 1, a kind of mobile phone with card-reading function, in order to read and write smart card information, smart card reader module is provided with in described terminal, the driver of this card reading module is stored in the storer of this mobile terminal, this card reading module is connected on the processor of general mobile terminal platform by COM port, carries out read-write operation to smart card.
As an embodiment, above-mentioned card reading module comprises contact intelligent card seat, contact intelligent card control chip, and the application specific processor be electrically connected with described contact intelligent card control chip, and smart card carries out communication by ISO7816 interface and described card reading module.
This mobile phone itself has application processor, for being responsible for the various functions needed for mobile phone, and controlling mobile phone and to be correlated with various peripheral hardware, comprising: display, button/touch, storer, wireless module, camera, WIFI/ bluetooth etc.In addition, application processor by with application specific processor communication, allow application program that application processor runs can operative intelligence card; Above-mentioned application specific processor is according to application processor requirement, completes and operates contact and contact type intelligent card, and result is turned back to application processor.Application specific processor completes the operation to contact intelligent card by contact intelligent card control chip and deck.Contact intelligent card control chip is by deck, connects contact intelligent card with ISO7816 interface, and it is responsible for encapsulation hardware element sequential and bottom communication agreement, thus minimizing application specific processor runs the workload of firmware and the dependence to sequential.
In the present embodiment, intelligent cards length is greater than the deck degree of depth, and described intelligent cards is electrically connected by communication contact and described intelligent deck.
Certainly, above-mentioned card reading module also can read contact type intelligent card, the application specific processor that this card reading module comprises radio-frequency antenna, the radio-frequency card control chip be connected with radio-frequency antenna and is connected with described radio-frequency card control card chip.Radio-frequency card control chip passes through radio-frequency antenna, with ISO14443 A & B interface and contact type intelligent card communication, it is responsible for carrying out rf modulations demodulation to contact type intelligent card communication data, and packaging bottom layer communications protocol, thus the workload of application specific processor running firmware and the dependence to sequential can be reduced.
Because current bank gradually adopts smart card, therefore above-mentioned smart card can be also bank card, has the accounts information of holder.
To sum up, the present invention improves based on general mobile phone platform, adds a card reading module, and this card reading module is an embedded hardware module in the terminal, be connected on the processor of general mobile phone platform by COM port, the access of can achieve a butt joint touch or contact type intelligent card.
Please refer to Fig. 2, in Card Reader hardware module, store Card Reader firmware, be used for the order of the processor receiving general mobile phone platform, back response, and the operation of the touch/contact type intelligent card that achieves a butt joint.On general mobile phone platform, also there is relevant bottom software module, for realizing the communication with card reading module, thus providing the access interface to these contact intelligent cards and contact type intelligent card for mobile phone terminal application program.
In this embodiment, mobile phone achieves the function of card reader, and by reading the smart card of various interface, support comprises the embedded application payment of smart card and the payment based on client software is applied.
Please refer to Fig. 3, for the present invention uses mobile phone to carry out the process flow diagram of the embodiment paid.This method of payment also relates to the bank intelligent card possessing logical encrypt calculation function and store digital certificate function, storing the digital certificate for identifying user identity and private key in this smart card, client software being installed and there is the main frame of wireless communication function and bank's plateform system of network service can be carried out with main frame.This method of payment comprises the following steps:
S1. Web bank's client software is run in host side;
S2. run the U-key assembly in mobile terminal, and read digital certificate and the private key for the identifying user identity that store in smart card by mobile terminal, and described smart card possesses logical encrypt calculation function;
S2. above-mentioned information is sent to above-mentioned main frame;
Above-mentioned information is sent to online banking service device by S3 main frame, and utilize smart card logical encrypt calculation function, between server and smart card, whether identifying user identity is legal, and described online banking service device end stores server certificate and privacy key;
S4. if validated user, then Web bank logs in successfully, sends a transaction request information by this main frame to bank's platform of correspondence; If the result is illegal in step S4, then terminate;
S5. bank's platform processes transaction request information, and returns result.
The present invention has the following advantages:
Smart card is follow-up to be moved with EMV, to progressively substitute conventional magnetic stripe card as main flow financial card application, therefore subsequent banks is by financial smart cards a large amount of for distribution, on original fiscard function basis, deposit consumer digital certificate and private key, utilize the logical encrypt calculation function of smart card, add smart card compact, smart card will substitute USB KEY function gradually.
Existing USB KEY small product size and power consumption greatly, also need extra USB interface, casing etc., production cost is high, and smart card is because the little card process technology of process chip volume is ripe, plastic body processing cost is low, and intelligent card chip price can be made more excellent compared with USB KEY module.
Because bank generally can issue smart card as fiscard to client, only on former financial smart card basis, increase storage and the software interface of digital certificate again, without the need to repeating distribution USB KEY again, reduce the issuing working amount of bank, and save the Material Cost, human cost, handling cost etc. that need to issue USB KEY, and the final cost saving user.
The foregoing is only embodiments of the invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (8)
1. one kind has the mobile terminal of card-reading function, in order to read and write smart card information, it is characterized in that, in described mobile terminal, be provided with smart card reader module, this card reading module is connected on the processor of general mobile terminal platform by COM port, carries out read-write operation to smart card;
This card reading module comprises contact intelligent card seat, contact intelligent card control chip, and the application specific processor be electrically connected with described contact intelligent card control chip, and smart card carries out communication by ISO7816 interface and described card reading module;
The application specific processor that described card reading module comprises radio-frequency antenna, the radio-frequency card control chip be connected with radio-frequency antenna and is connected with described radio-frequency card control chip, described card reading module reads and writes smart card by radio-frequency antenna.
2. the mobile terminal with card-reading function according to claim 1, is characterized in that, described smart card is bank card, has the accounts information of holder.
3. the mobile terminal with card-reading function according to claim 1, is characterized in that, described card reading module also comprises Card Reader firmware, is used for the order of the processor accepting general mobile terminal platform, and realizes the read-write operation to smart card.
4. the mobile terminal with card-reading function according to claim 1, is characterized in that, described intelligent cards length is greater than the deck degree of depth, and described intelligent cards is electrically connected by communication contact and described intelligent deck.
5. the mobile terminal with card-reading function according to claim 1, is characterized in that, is provided with storer in described mobile terminal, in order to store the driver of this card reading module.
6. a payment method, application rights requires the mobile terminal with card-reading function according to any one of 1-4, and it is characterized in that, the method comprises the following steps:
S1. Web bank's client software is run in host side;
S2. run the U-key assembly in mobile terminal, and read digital certificate and the private key for the identifying user identity that store in smart card by mobile terminal, and described smart card possesses logical encrypt calculation function;
S2. above-mentioned information is sent to above-mentioned main frame;
Above-mentioned information is sent to online banking service device by S3 main frame, and utilize smart card logical encrypt calculation function, between server and smart card, whether identifying user identity is legal, and described online banking service device end stores server certificate and privacy key;
S4. if validated user, then Web bank logs in successfully, sends a transaction request information by this main frame to bank's platform of correspondence; If the result is illegal in step S4, then terminate;
S5. bank's platform processes transaction request information, and returns result.
7. payment method according to claim 6, is characterized in that, described smart card is bank card.
8. a kind of payment method according to claim 6, is characterized in that, described mobile terminal is mobile phone or panel computer or POS.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210146761.9A CN102693480B (en) | 2012-05-11 | 2012-05-11 | Mobile terminal with read card function and mobile terminal payment method |
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| CN201210146761.9A CN102693480B (en) | 2012-05-11 | 2012-05-11 | Mobile terminal with read card function and mobile terminal payment method |
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| CN102693480A CN102693480A (en) | 2012-09-26 |
| CN102693480B true CN102693480B (en) | 2015-06-17 |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| ES2693339T3 (en) * | 2013-05-29 | 2018-12-11 | Legic Identsystems Ag | Mobile electronic device with wireless data exchange transceiver |
| CN104408359A (en) * | 2014-10-29 | 2015-03-11 | 新奥科技发展有限公司 | Intelligent card and online safety control method thereof |
| WO2017076277A1 (en) * | 2015-11-03 | 2017-05-11 | 国民技术股份有限公司 | Communication card e-bank key and functioning method thereof |
| CN108763979A (en) * | 2018-05-15 | 2018-11-06 | 苏州澄怀科技有限公司 | A kind of system and method that card application is written to smart card by mobile terminal |
| CN109993013B (en) * | 2019-04-08 | 2023-04-07 | 深圳市德卡科技股份有限公司 | Double-chip intelligent IC card reader and IC card reading method |
| US10726681B1 (en) * | 2019-07-26 | 2020-07-28 | Clover Network, Inc. | Advanced hardware system for self service checkout kiosk |
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