CN103577867B - A kind of financial IC visible card carrying bluetooth equipment - Google Patents

Abstract

The invention discloses a financial IC visual card carrying a bluetooth device. The financial IC visual card includes a financial IC visual card main device and a bluetooth device. The operating system COS is composed of an IC card chip and a financial application processor. The communication interface of the main device includes a first communication interface for two-way communication with an external reading device and a second communication interface for two-way communication with a Bluetooth device. The Bluetooth device consists of a financial IC interface, The bluetooth controller and the bluetooth transceiver are composed, the financial IC interface is connected with the second communication interface, and the bluetooth transceiver is connected with the external bluetooth device for two-way communication with the external bluetooth device. The financial IC visual card of the present invention realizes the wireless communication with the external Bluetooth device through the built-in Bluetooth device, borrows the large screen and a plurality of buttons of the external Bluetooth device to realize all the functions originally on the IC card, and is convenient for users. Bring convenience.

Description

A financial IC visual card carrying bluetooth equipment

technical field

The invention relates to the field of financial IC cards, in particular to a financial IC visual card carrying a bluetooth device.

Background technique

Financial IC card, also known as chip bank card, is a bank card with a chip as the medium. The chip card has a large capacity and can store information such as keys, digital certificates, fingerprints, etc. Its working principle is similar to that of a microcomputer and can handle multiple functions at the same time. , to provide cardholders with the convenience of using one card for multiple purposes. Financial IC cards are issued by commercial banks, credit unions or payment institutions, adopt integrated circuit technology, follow financial industry standards, and have consumer credit, transfer settlement, cash deposit and withdrawal all or Some financial functions are financial instruments with other business services and social management functions.

At present, financial IC cards have been widely used, and major banks at home and abroad are scrambling to launch financial IC cards, and the early magnetic stripe cards will soon withdraw from the financial market. Since the financial IC card has a built-in intelligent integrated chip, which can realize many derivative functions, the financial IC visual card came into being. The financial IC visual card refers to the financial IC card loaded with electronic paper technology or other display technologies, the electronic cash balance, transaction details, custom data of the issuing bank and other non-sensitive information in the visual card, as well as the combination of dynamic passwords and second-generation U-shields. And other functions, financial IC card value-added products that display transaction authentication data.

The financial IC visual card has powerful functions, which can be used to check the electronic cash balance, transaction details, custom data of the issuing bank, etc., and can also be used as a dynamic password, second-generation U-shield, etc. However, in the prior art, due to the limitation of the size and thickness of the card itself, it will inevitably lead to many problems such as less display content, unfriendly display interface, inconvenient button operation, etc., which seriously limits the display of various convenient functions as a smart IC card. Therefore, there is a need for a financial IC visual card, which can expand the display interface and the scale of operation buttons while the card is light and small and easy to carry, so as to facilitate the use of users.

Contents of the invention

Aiming at the problem that the existing financial IC visual card is limited by the size of the card itself and cannot be conveniently viewed and operated by the user, the present invention provides a financial IC visual card carrying a Bluetooth device. Through the wireless communication function of the Bluetooth device, the The financial IC visual card is wirelessly connected to our daily electronic devices, such as mobile phones, computers, personal digital assistants PDA, etc., so that the IC card devices can be conveniently operated through the large-screen display or multi-buttons of these devices to realize Originally, various operations were performed on the financial IC visual card.

In order to achieve the above object, the present invention provides a financial IC visual card carrying a bluetooth device, the financial IC visual card includes a financial IC visual card main device and a bluetooth device, and the financial IC visual card main device consists of The main device communication interface, the IC card chip running the chip operating system COS, and the financial application processor are composed. The main device communication interface includes a first communication interface for two-way communication with an external reading device, and a second communication interface for two-way communication with a Bluetooth device. Interface; the bluetooth device is set on the main device of the financial IC visual card, and is composed of a financial IC interface, a bluetooth controller and a bluetooth transceiver, the financial IC interface is connected with the second communication interface, and the bluetooth The transceiver is connected with the external bluetooth device to communicate bidirectionally with the external bluetooth device; wherein, the external bluetooth device includes a display screen showing financial data related to the financial IC visual card, and the external bluetooth device also includes an input button, Realize the user operation on the financial IC visual card.

Optionally, the first communication interface is a contact interface or a non-contact interface, the contact interface adopts the GB/T16649 specification, the non-contact interface adopts the JR/T0025.8 specification, and the second communication The interface adopts the contact interface of GB/T16649 specification, the non-contact interface of JR/T0025.8 specification, or the serial interface of wired connection; the IC card chip has two working modes: active mode and passive mode; The external reading device starts the active mode after the IC card chip is powered on, and the IC card chip pushes the financial data related to the financial IC visual card to the bluetooth device, and the bluetooth device will receive and The financial IC can transmit financial data related to the visual card to the external bluetooth device; after the user inputs control data through the input button of the external bluetooth device and forwards the control data to the IC card chip through the bluetooth device Start the passive module, and the IC card chip sends the financial data related to the financial IC visual card read from the external reading device to the external Bluetooth device through the Bluetooth device according to the control data; The bluetooth device also includes a memory for storing the financial data related to the financial IC visual card, and after receiving the control data input by the user through the input button of the external bluetooth device through the bluetooth transceiver, the The financial data related to the financial IC visual card is sent to the external Bluetooth device through the Bluetooth transceiver.

Optionally, the main device of the financial IC visual card further includes a power supply device, which supplies power to the Bluetooth device in the passive mode of the IC card chip.

Optionally, in the active mode of the IC card chip, the Bluetooth device is powered by the external reading device.

Optionally, the financial data related to the financial IC visual card is electronic cash balance, transaction details, card issuing bank custom data, dynamic password or U shield password, and the external reading device is a POS machine or an ATM machine, The external bluetooth device is a mobile phone, a personal digital assistant PDA or a notebook.

The present invention has the following advantages due to the adoption of the above-mentioned technical scheme: the financial IC visual card carrying a Bluetooth device of the present invention has transformed the structure of the financial IC visual card in the prior art, so that the financial IC visual card integrates Bluetooth Wireless communication function, so that the financial data can be displayed and operated by using external common bluetooth devices without additional wired cables. In addition, through bluetooth communication, it also saves the trouble of connecting the U shield to the computer with a cable, and solves the problem Eliminate the obstacle that the U-shield cannot be used on mobile phones and PDA devices.

Description of drawings

Fig. 1 is a structural representation of a financial IC visual card carrying a bluetooth device of the present invention;

Fig. 2 is a connection diagram of components of a financial IC visual card carrying a bluetooth device according to the present invention.

detailed description

The specific embodiments of the present invention will be described in detail below in conjunction with the accompanying drawings.

First of all, please refer to Fig. 1, Fig. 1 is a schematic structural diagram of a financial IC visual card carrying a Bluetooth device according to the present invention, the financial IC visual card includes a financial IC visual card main device 1 and a Bluetooth device 2, and a financial IC visual card Visual card main device 1 carries out two-way communication with external reading device 4, and bluetooth device 2 carries out two-way communication with external bluetooth device 3, and financial IC visual card main device 1 includes main device communication interface 11, IC card chip 12, financial application Processor 13, IC card chip 12 are respectively connected with main equipment communication interface 11, financial application processor 13, and main equipment communication interface comprises first communication interface, second communication interface, runs chip operating system COS, bluetooth on IC card chip 12 Equipment 2 comprises financial IC interface 21, bluetooth controller 22, bluetooth transceiver 23, and the first communication interface is connected with external reading device 4 to carry out two-way communication of data, and the second communication interface is connected with external bluetooth device 3 to carry out bluetooth data Two-way charging, the external reading device 4 can be a POS machine or an ATM machine, and the external Bluetooth device 3 can be a mobile phone, a personal digital assistant PDA or a notebook. Wherein, bluetooth device 2 is arranged on described financial IC visual card main equipment 1, and external bluetooth device 3 comprises display screen, shows the financial data relevant with financial IC visual card, and external bluetooth device 3 also comprises input button, realizes to The financial IC is visible to the user of the card. Among them, the first communication interface is a contact interface or a non-contact interface, the contact interface adopts the GB/T16649 specification, the non-contact interface adopts the JR/T0025.8 specification, and the second communication interface is a contact interface that adopts the GB/T16649 specification Interface, non-contact interface of JR/T0025.8 specification, or serial interface of wired connection; IC card chip 12 has two working modes of active mode and passive mode; After the chip 12 is powered on, the active mode is started, and the IC card chip 12 pushes the financial data related to the financial IC visual card to the bluetooth device 2, and the bluetooth device 2 will receive the financial data related to the financial IC visual card. The financial data of the external bluetooth device 3 is forwarded to the external bluetooth device 3; after the user inputs control data through the input button of the external bluetooth device 3 and transmits the control data to the IC card chip 12 through the bluetooth device 2, the passive Module, the IC card chip 12 sends the financial data related to the financial IC visual card read from the external reading device 4 to the external Bluetooth device through the Bluetooth device 2 according to the control data 3; the bluetooth device 2 also includes a memory, stores the financial data related to the financial IC visual card, and receives the control input by the user through the input button of the external bluetooth device 3 through the bluetooth transceiver 23 After the data is collected, the financial data related to the financial IC visual card is sent to the external Bluetooth device 3 through the Bluetooth transceiver 23 . Wherein, the main device 1 of the financial IC visual card also includes a power supply device, which supplies power to the Bluetooth device 2 in the passive mode of the IC card chip 12; in the active mode of the IC card chip 12, the The bluetooth device 2 is powered by the external reading device 4; the financial data related to the financial IC visual card is the electronic cash balance, transaction details, custom data of the issuing bank, dynamic password or USB-shield password.

In addition, the chip operating system COS (Chip Operation System) is the core of the financial IC card, which runs on the IC card chip and is a relatively small, complete and rigorous system. This system manages every move of the financial IC card, and all commands issued to the financial IC card by the outside world need to pass through the operating system to work on the IC card chip. The main function of the chip operating system COS is to control the information exchange between the financial IC card and the outside world, manage the memory in the financial IC card and complete the processing of various commands inside the financial IC card.

In addition, Bluetooth is a radio technology that supports short-range communication between devices (typically within 10m). It can carry out wireless information exchange between many devices including mobile phones, PDAs, wireless headsets, notebook computers, and related peripherals. The use of "Bluetooth" technology can effectively simplify the communication between mobile communication terminal equipment, and can also successfully simplify the communication between equipment and the Internet, so that data transmission becomes faster and more efficient, and broadens the road for wireless communication. Bluetooth adopts distributed network structure, fast frequency hopping and short packet technology, supports point-to-point and point-to-multipoint communication, works in the globally common 2.4GHz frequency band, and its data rate is 1Mbps, and adopts time-division duplex transmission scheme to realize full-duplex transmission .

Next, please refer to FIG. 2 . FIG. 2 is a component connection diagram of a financial IC visual card carrying a Bluetooth device according to the present invention, which is a specific implementation of electronic components inside the financial IC visual card in FIG. 1 . Wherein the financial IC visual card main device 1 and the bluetooth device 2 are respectively integrated into a financial IC chip and a bluetooth chip, and the financial IC chip communicates bidirectionally with the external read data 4 through a contact interface through the GB/T16649 specification, and the financial IC chip The IC chip can also communicate bidirectionally with the external read data 4 through the non-contact interface through the JR/T0025.8 specification, and the Bluetooth chip can communicate with the financial IC chip bidirectionally through the GB/T16649 specification or other interface specifications, and the Bluetooth chip adopts The non-contact interface specified in JR/T0025.8 or the serial interface using wired connection communicates bidirectionally with the financial IC chip, the Bluetooth chip communicates bidirectionally with the external Bluetooth device 3 through the Bluetooth antenna, and the financial IC visual card also includes a battery To supply power to the Bluetooth chip.

Those skilled in the art should realize that the above-mentioned specific embodiments are only exemplary, and are intended to enable those skilled in the art to better understand the content of this patent, and should not be construed as limiting the scope of protection of this patent. Any equivalent changes or modifications made to the spirit disclosed in the patent fall within the protection scope of this patent.

Claims (4)

1. the financial IC visible card carrying bluetooth equipment, it is characterised in that described finance IC Visible card includes:

Financial IC visible card main equipment, by main equipment communication interface, runs chip operating system COS IC card chip, financial application processor composition, described main equipment communication interface includes reading with outside First communication interface of taking equipment two-way communication and the second communication interface of bluetooth equipment two-way communication；

Bluetooth equipment, is arranged on described financial IC visible card main equipment, by finance IC interface, Bluetooth controller and bluetooth transceiver composition, described finance IC interface is with described second communication interface even Connect, described bluetooth transceiver is connected with outside bluetooth devices with described outside bluetooth devices two-way Letter；

Described first communication interface is contact interface or non-contact interface, described contact interface Using GB/T 16649 specification, described non-contact interface uses JR/T 0025.8 specification, described Second communication interface is to use the contact interface of GB/T 16649 specification, JR/T 0025.8 specification Non-contact interface or the serial line interface of wired connection；

Described bluetooth equipment also includes memory, stores the financial number relevant to financial IC visible card According to, and receiving user's input by described outside bluetooth devices by described bluetooth transceiver After the control data of key-press input, the described finance data relevant to financial IC visible card is passed through institute State bluetooth transceiver and be sent to described outside bluetooth devices；

Described IC card chip has aggressive mode, two kinds of mode of operations of Passive Mode；

Aggressive mode is started after described IC card chip is powered on by described outside reading equipment, described The finance data relevant to financial IC visible card is pushed to described bluetooth equipment, institute by IC card chip State bluetooth equipment the finance data relevant to financial IC visible card received is forwarded to described outside Portion's bluetooth devices；

Data are controlled and by described control by the input key-press input of described outside bluetooth devices user Data processed start passive module after being transmitted to described IC card chip by described bluetooth equipment, described That reading equipment outside described is read by IC card chip according to described control data and financial IC The finance data that visible card is relevant is sent to described outside bluetooth devices by described bluetooth equipment；

Wherein, described outside bluetooth devices includes display screen, shows relevant to financial IC visible card Finance data, described outside bluetooth devices also includes inputting button, it is achieved to financial IC visible card User operation.

Financial IC visible card the most according to claim 1, it is characterised in that:

Described financial IC visible card main equipment also includes power supply unit, at the quilt of described IC card chip Under dynamic model formula, described bluetooth equipment is powered.

Financial IC visible card the most according to claim 1, it is characterised in that:

Under the aggressive mode of described IC card chip, described bluetooth equipment is by described outside reading equipment Power supply.

4. according to the arbitrary described financial IC visible card of claim 1-3, it is characterised in that:

The described finance data relevant to financial IC visible card be electronic cash balances, transaction details, Credit card issuer self-defining data, dynamic password or U-shield password, described outside reading equipment is POS Or ATM, described outside bluetooth devices is mobile phone, personal digital assistant PDA or notebook.