CN103971456A - Intelligent terminal wherein financial IC card can be embedded - Google Patents
Intelligent terminal wherein financial IC card can be embedded Download PDFInfo
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- CN103971456A CN103971456A CN201310044925.1A CN201310044925A CN103971456A CN 103971456 A CN103971456 A CN 103971456A CN 201310044925 A CN201310044925 A CN 201310044925A CN 103971456 A CN103971456 A CN 103971456A
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- intelligent terminal
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0873—Details of the card reader
- G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
- G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07737—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts
- G06K19/07741—Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts comprising a first part operating as a regular record carrier and a second attachable part that changes the functional appearance of said record carrier, e.g. a contact-based smart card with an adapter part which, when attached to the contact card makes the contact card function as a non-contact card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/353—Payments by cards read by M-devices
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- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Business, Economics & Management (AREA)
- Computer Hardware Design (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Telephone Function (AREA)
- Credit Cards Or The Like (AREA)
Abstract
The invention relates to an intelligent terminal wherein a financial IC card can be embedded. The intelligent terminal comprises an SIM card slot, a financial IC card slot, and a non-contact antenna; the SIM card slot arranged inside is used for inserting an SIM card; the financial IC card slot arranged inside is used for inserting a financial IC card; the non-contact antenna is coupled to the financial IC card; the financial IC card is of a PLUG-IN card type. The financial IC card slot is as large as the SIM card slot. The financial IC card is as large as the SIM card. The intelligent terminal has the advantages that the financial IC card can be better embedded in the intelligent terminal, the functions of the financial IC card can be achieved, and the financial IC card is more portable and easier to use.
Description
Technical field
The intelligent terminal that the present invention relates to carry out mobile payment, relates to the intelligent terminal that can embed financial IC card particularly.
Background technology
In the prior art, along with the rise in mobile payment market, various mobile payment products also all in succession occur and promote the use of on market, the scheme that these products adopt comprises double-interface smart card technology, independent RFID technology, NFC technology and the full terminal technology of eNFC etc., and these products all will be attached to certain intelligent terminal as moved relevant payment application on mobile phone.SIM card and the mobile phone controlled due to operator have the advantage of natural combination, mobile payment application can be distributed in SIM card very naturally, thereby can promote well the mobile payment operation mode of taking as the leading factor with operator, the product of this class has SWP-SIM etc. at present.
But, in prior art, do not propose to be independent of SIM card and the intelligent terminal that carries out mobile payment.
Summary of the invention
In view of the above problems, the present invention aims to provide a kind of intelligent terminal that can be independent of SIM card and embed financial IC card.
Further, the present invention also aims to provide a kind of intelligent terminal that can improve the property easy to use of financial IC card and the embedded financial IC card of ease for use.
The intelligent terminal that embeds financial IC card of the present invention, is characterized in that, described intelligent terminal comprises:
Be arranged in described intelligent terminal and for inserting the financial IC card draw-in groove of financial IC card; And
The non-antenna that connects coupling with described financial IC card,
Described financial IC card is the financial IC card of PLUG-IN card pattern.
Preferably, described intelligent terminal also possesses and is arranged in described intelligent terminal and for inserting the SIM card draw-in groove of SIM card, the size of described financial IC card draw-in groove and described SIM card draw-in groove measure-alike, the size of described financial IC card and described SIM card measure-alike.
Preferably, described financial IC card draw-in groove and described SIM card draw-in groove independent setting respectively.
Preferably, described financial IC card is the safety chip of supporting non-connection function.
Preferably, the described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and financial IC card draw-in groove has the second antenna contacts,
The described non-antenna that connects is set to described the first antenna contacts in the case of the bonnet of described intelligent terminal covers and is electrically connected with described the second antenna contacts.
Preferably, the described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, described financial IC card draw-in groove has the second antenna contacts, by described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described in the first antenna contacts be electrically connected with described the second antenna contacts.
Preferably, described fiscard IC comprises NFC chip, safety chip and the antennal interface of supporting non-connection function.
Preferably, described intelligent terminal possesses the operating system of intelligent terminal being applied, operated control, and described safety chip at least has the first communication interface being connected with described operating system; And the second communication interface being connected with described NFC chip.
Preferably, described second communication interface is SWP interface.
Preferably, described the first communication interface is any one in 7816 interfaces, SPI interface, MMC interface, IC-USB interface.
Preferably, the described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
The described non-antenna that connects is set to described the first antenna contacts in the case of the bonnet of described intelligent terminal covers and is electrically connected with described the second antenna contacts.
Preferably, the described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
By described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described in the first antenna contacts be electrically connected with described the second antenna contacts.
Preferably, described intelligent terminal possesses control operation system is applied/operated to intelligent terminal; And being connected and can realizing the NFC chip of non-connection function with described operating system, described financial IC card is the safety chip that possesses SWP interface.
Preferably, described safety chip is connected with the NFC chip of described intelligent terminal by described SWP interface, and described operating system conducts interviews to described safety chip by described NFC module.
Preferably, the described non-antenna arrangement that connects is in the bonnet of described intelligent terminal, the described non-antenna that connects has the first antenna contacts, described financial IC card draw-in groove has the second antenna contacts, and the described non-antenna that connects is set to described the first antenna contacts in the case of the bonnet of described intelligent terminal covers and is electrically connected with described the second antenna contacts.
Preferably, described financial IC card is directly connected with described application/operation control operation system.
According to the intelligent terminal of realizing embedded financial IC card of the present invention, can effectively improve portability and the ease for use of financial IC card.And, by such financial IC card is set in intelligent terminal, can tackle well the strong control of current operator to SIM card industrial chain, the mobile payment application that more domestic larger bank, the third-party institution etc. draw oneself up on intelligent terminal of being more convenient for, is also more conducive to promote the development of mobile payment industry.Secondly, than current mobile payment SD card, because this financial IC card is to adopt the design of class PLUG-IN card, it can continue to continue to use existing PLUG-IN blocking fabrication technique in realization, can better reduce the cost of mobile payment, improve bank, the third-party institution and even user's enthusiasm and property of participation.
Brief description of the drawings
Fig. 1 is the structured flowchart that represents the intelligent terminal that embeds financial IC card of the present invention.
Fig. 2 is the design figure that represents the surface contact of the financial IC card in the present invention.
Fig. 3 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of first embodiment of the invention.
Fig. 4 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of second embodiment of the invention.
Fig. 5 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of third embodiment of the invention.
Fig. 6 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of the conversion example of third embodiment of the invention.
Embodiment
What introduce below is some in multiple embodiment of the present invention, aims to provide basic understanding of the present invention.Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
First, explain for the professional term that will mention in the present invention.
(1)financial IC card: financial IC card is called again chip bank card is the bank card using chip as medium.It is by commercial bank (credit office) or payment mechanism distribution, adopt integrated circuit technique, follow national financial industry standard, there is consumer credit, the transfer and settlement of accounts, all or part of financial function of cash-access, can there is the financial instrument of other commerce services and social management function.
(2)pLUG-IN card: a kind of according to the card of PLUG-IN SIM card standard manufacturing.Its long 2.5 centimetres, wide 1.5 centimetres.The card base of PLUG-IN card is made up of PVC or ABS plastic material, above card base, is the PLUG-IN card surface of contact that studs with sheet metal, has 6 or 8 pins on it.Below PLUG-IN card surface of contact, be chip, be connected with pin by goldleaf silk.
(3)sWP: i.e. single-wire-protocol (Single Wire Protocol), be the one of the existing mature technology requirement of current ETSI and method of testing for the interface protocol of transmission information between contactless communication module (CLF) and usim card, definite SWP protocol definition physical connection form and the bottom layer signal transmission requirement etc. (comprising Physical layer, data link layer) of safety chip transmission information in CLF module and usim card.
(4)nFC:NFC is Near Field Communication abbreviation, i.e. near field communication (NFC).Be a kind of contactless identification and interconnection technique by the NFC of PHILIPS Co. and Sony joint development, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.NFC provides a kind of solution of simple, touch, can allow consumer's simple, intuitive ground exchange message, access content and serve.
(5)safety chip: safety chip is exactly TPM (TruSTed Platform Module), trusted console module, it is a device that can independently carry out key generation, encryption and decryption, inside has independently processor and storage unit, can storage key and characteristic, for providing, encrypts and Security Authentication Service by computer.Be encrypted with safety chip, key is stored in hardware, stolen data cannot be deciphered, thereby protection business privacy and data security. safety chip is supported symmetric cryptographic algorithm, asymmetric cryptographic algorithm and the hash algorithm that national Password Management office specifies, and supports international other cryptographic algorithm its features simultaneously; Such as symmetric cryptographic algorithm: SM1; Asymmetric cryptographic algorithm: SM2; Hash algorithm and hash algorithm: SM3.Safety chip is integrated at a high speed secure cryptographic algorithm and communication interface, adopt exclusive data stream encryption and decryption treatment mechanism, realized the synchronous encryption and decryption functions of high-speed data-flow.
Fig. 1 is the structured flowchart that represents the intelligent terminal that embeds financial IC card of the present invention.
As shown in Figure 1, the intelligent terminal that embeds financial IC card of the present invention comprises: be arranged in intelligent terminal and for being inserted in the SIM card draw-in groove 400 of SIM card; Be arranged in above-mentioned intelligent terminal and for inserting the financial IC card draw-in groove 100 of financial IC card 200; The non-antenna 300 that connects coupling with above-mentioned financial IC card 200.
In the present invention, only as an example, intelligent terminal can be intelligent mobile terminal, for example mobile phone.
In the present invention, financial IC card 200 is customized to the plug-in card with the PLUG-IN card pattern of SIM card same size.Described financial IC card 200 cards are for supporting the safety chip of non-connection function.
Financial IC card draw-in groove 100 is and the draw-in groove of the PLUG-IN card pattern of above-mentioned financial IC card 200 pattern matching.The size of this financial IC card draw-in groove 100 and SIM card draw-in groove 400 measure-alike, and this financial IC card draw-in groove 100 and SIM card draw-in groove 400 independent setting respectively.
Financial IC card 200 is designed to SIM card pattern and at intelligent terminal (for example, intelligent terminal) upper increasing and the financial IC card draw-in groove 100 of the class SIM card draw-in groove of this pattern matching, the reason of doing is like this, the production technology of SIM card and sim card slot is very ripe, with low cost, and user cognition degree is higher.And for the third party who makes bank etc. has complete control to this jig, this financial IC card draw-in groove 100 is independent of the original sim card slot 400 using on intelligent terminal and arranges.
In order better to support the non-paying ability that connects of intelligent terminal, antenna 300 is wrapped in the mode of coil in the bonnet of intelligent terminal, like this, cover after the antenna contacts 301,302 of this antenna 300 can be connected with the antenna contacts 101,102 on the financial IC card groove 100 of SIM pattern.This antenna mode is arranged simply on intelligent terminal, be easy to use, and non-connection letter is stable.In use, only financial IC card 200 need be inserted in financial IC card draw-in groove 100, and cover the bonnet of intelligent terminal, just can directly use the payment application on financial IC card 200.
Certainly, the arrangement of antenna 300 is not limited to above-mentioned external mode, also can adopt built-in mode, for example, be integrated in financial IC card 200.This built-in integrated mode has reduced the vulnerability of antenna, also can improve portability and the ease for use (particular content refers to the first follow-up embodiment, the second embodiment) of integral product.
Fig. 2 is the design figure that represents the surface contact of the financial IC card in the present invention.
As shown in Figure 2, as an example, suppose that this financial IC card 200 possesses these 8 interface contacts of C1～C8.In these 8 interface contact figure of C1～C8 in Fig. 2 shown in being allocated as follows of interface contact:
| C1 | Supply voltage (VCC) | C5 | Ground (GND) |
| C2 | Reset signal (RST) | C6 | （SWP） |
| C3 | Clock signal (CLK) | C7 | Input and output (I/O) |
| C4 | (antennal interface) | C8 | (antennal interface) |
For example, C4, C8 mouth can be used for connecting antenna (referring to the first following embodiment) in adopting non-connection news.C6 mouth can be used for transmitting SWP(and refer to the 3rd following embodiment when financial IC card uses NFC communication).
As mentioned above, the intelligent terminal that embeds financial IC card of the present invention is independent of SIM card by financial IC card and is embedded in intelligent terminal, can effectively tackle the strong control of mobile operator to SIM card industrial chain, and by financial IC card being combined with intelligent terminal preferably and completing the realization on intelligent terminal, can greatly improve portability and the ease for use of financial IC card.
Below, describe for the embodiment of the intelligent terminal that embeds financial IC card of the present invention.
The first embodiment
Fig. 3 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of first embodiment of the invention.
As shown in Figure 3, the intelligent terminal of the embedded financial IC card of the first embodiment of the present invention comprises: be arranged in above-mentioned intelligent terminal and for inserting the financial IC card draw-in groove of financial IC card 210; And the non-antenna (not shown this non-antenna that connects here) that connects coupling with above-mentioned financial IC card 210.In the first embodiment, intelligent terminal is the intelligent terminal that possesses application controls/operating system 510, for example smart mobile phone, but intelligent terminal of the present invention is not limited only to smart mobile phone.
In the present embodiment, financial IC card 210 is customized to and the plug-in card of the PLUG-IN card pattern of SIM card same size.Financial IC card 210 possesses the safety chip of supporting non-connection function, and this financial IC card 210 does not possess NFC function.
In the present embodiment, financial IC card draw-in groove is and the draw-in groove of the PLUG-IN card pattern of above-mentioned financial IC card 210 pattern matching.The size of this financial IC card draw-in groove and SIM card draw-in groove measure-alike, this financial IC card draw-in groove and SIM card draw-in groove be independent setting respectively.And this financial IC card draw-in groove has antenna contacts.
In the present embodiment, the not shown non-antenna that connects has antenna contacts, and this non-antenna arrangement that connects is in the bonnet of intelligent terminal, and preferably, this non-antenna that connects is wrapped in the bonnet of intelligent terminal in the mode of coil.And the above-mentioned non-antenna that connects is set to the above-mentioned non-antenna contacts that connects antenna in the case of the bonnet of above-mentioned intelligent terminal covers and is electrically connected with the antenna contacts of above-mentioned financial IC card draw-in groove.
This is non-connect antenna on being arranged in the bonnet of intelligent terminal, can be also not adopt so external mode but the non-antenna that connects is integrated in financial IC card 210.In this case, the non-antenna that connects is integrated in financial IC card 210 so that the non-antenna contacts that connects antenna in the situation that financial IC card 210 is inserted into financial IC card draw-in groove is electrically connected with the antenna contacts of financial IC card draw-in groove.
In the first embodiment, safety chip in financial IC card 210 is supported non-connection letter, and financial IC card 210 with the application/operating system of intelligent terminal without being directly connected, therefore the intelligent terminal of this first embodiment only can be supported on-site payment (or claim " near field payment ").
In the situation that carrying out near field payment, carrying out near-field communication when mutual with extraneous POS terminal, data are passed to the safety chip in financial IC card 210 by the non-antenna that connects, process (concrete processing procedure can normative reference ISO 14443) by safety chip, send to POS terminal by safety chip data after treatment by the non-antenna that connects.The corresponding non-agreement that connects of this safety chip support is as ISO14443 TYPE A, TYPE B etc., and the application of mobile payment operates in this safety chip.
As mentioned above, according to the intelligent terminal of the embedded financial IC card of first embodiment of the invention, need hardly to carry out the change of software and hardware aspect, only need increase that an extra financial IC card draw-in groove is set, change cost little, easily promotion and implementation.And financial IC card draw-in groove is connected without concrete hardware and software aspect with intelligent terminal, thereby the layout in intelligent terminal has very large dirigibility to financial IC card draw-in groove.But, due to intelligent terminal without being connected of any interface, be therefore similar to a non-smart card that connects be provided, on-site payment function (not supporting remote payment ability) can only be provided.
The second embodiment
Fig. 4 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of second embodiment of the invention.
As shown in Figure 4, the intelligent terminal of the embedded financial IC card of the second embodiment of the present invention comprises: be arranged in above-mentioned intelligent terminal and for inserting the financial IC card draw-in groove of financial IC card 220; The non-antenna (not shown) that connects coupling with above-mentioned financial IC card 220; Intelligent terminal is applied, is operated the application controls/operating system 520 of control.Above-mentioned financial IC card 220 comprises NFC chip 221, safety chip 222 and the antennal interface (not shown) of supporting non-connection function.
In the present embodiment, financial IC card 220 is customized to and the plug-in card of the PLUG-IN card pattern of SIM card same size.Financial IC card draw-in groove is and the draw-in groove of the PLUG-IN card pattern of above-mentioned financial IC card 220 pattern matching.The size of this financial IC card draw-in groove and SIM card draw-in groove measure-alike, and this financial IC card draw-in groove and SIM card draw-in groove independent setting respectively.
In the present embodiment, the non-antenna that connects has antenna contacts, and this non-antenna arrangement that connects is in the bonnet of intelligent terminal, and preferably, this non-antenna that connects is wrapped in the bonnet of intelligent terminal in the mode of coil.And the above-mentioned non-antenna that connects is set to the above-mentioned non-above-mentioned antenna contacts that connects antenna in the case of the bonnet of above-mentioned intelligent terminal covers and is electrically connected with the antenna contacts of above-mentioned financial IC card draw-in groove.
Non-connect antenna on being arranged in the bonnet of intelligent terminal, can be also not adopt so external mode but the non-antenna that connects is integrated in financial IC card 220 (not shown).In this case, the non-antenna that connects is integrated in financial IC card 220 so that the non-antenna contacts that connects antenna in the situation that financial IC card 220 is inserted to financial IC card draw-in groove is electrically connected with the antenna contacts of financial IC card draw-in groove.
In the second embodiment, safety chip 222 at least has the first communication interface 224 being connected with application controls/operating system 520; And the second communication interface 225 being connected with NFC chip 221.
This first communication interface 224 can be any one in 7816 interfaces, SPI interface, MMC interface, IC-USB interface.This second communication interface 225 can be SWP interface.
In the second embodiment, NFC chip 221 is for realizing non-connection function, and safety chip 222 is for moving mobile payment application.Mobile payment application in the non-connection function access security chip 222 that exterior terminal can provide by NFC chip 221, meanwhile, the application controls/operating system 520 of intelligent terminal also can be by the mobile payment program on the communication interface access security chip 222 being connected with safety chip 222.
In the time carrying out near field payment, first extraneous POS terminal can carry out data interaction by NFC chip built-in in ISO 14443 agreements and financial IC card 220 221, NFC chip 221 extracts by incidental data in this agreement afterwards, and send in the safety chip 222 of financial IC card 220 inside that coexist by these data of SWP agreement Reseal again, finally, in safety chip 222, just can this transaction data be processed and be completed and return.
In the time carrying out remote payment, it can be client application or the browser (being referred to as afterwards application) in operating system that object is initiated in transaction.First, can data be sent in the safety chip 222 of financial IC card 200 by for example ISO 7816 agreements (now financial IC card 220 is just connected by 7816 interfaces with intelligent terminal) by application, and complete information processing and return by safety chip 222.Now NFC chip 221 does not participate in the process of data interaction.
As mentioned above, according to the intelligent terminal of the embedded financial IC card of second embodiment of the invention, connect the application controls/operating system 520 of financial IC card 220 and intelligent terminal by the first communication interface 224, can with intelligent terminal on program carry out alternately, expand the function of financial IC card 220, can support to realize remote payment function by the client software on intelligent terminal.And, as this first interface 224, can adopt polytype communication interface (for example 7816 interfaces, SPI interface, MMC interface, IC-USB interface etc.), therefore, can improve the dirigibility of interface shape and interface protocol, and 7816 mouthfuls of being no longer confined to that financial IC card adopts, can adopt high-speed communication interface as IC-USB, MMC or SPI interface etc., therefore can improve largely the reliability of communication speed, data throughout and the data of interface, for payment client terminal brings better user experience.Moreover, in financial IC card 220, be furnished with NFC chip 221, therefore, utilize this NFC chip 221 to realize various based on diversified application forms such as mode card, card reader pattern, P2P patterns.Moreover, the communication interface that financial IC card 220 adopts, intelligent terminal is all supported on hardware, without extra interpolation (still need to revise the corresponding driver on intelligent terminal, have certain customization to require to the operating system of intelligent terminal manufacturer).
The 3rd embodiment
Fig. 5 is the structured flowchart that represents the intelligent terminal of the embedded financial IC card of third embodiment of the invention.
The intelligent terminal of the embedded financial IC card of the 3rd embodiment of the present invention comprises: control operation system 530 is applied/operated to intelligent terminal; Be connected and can realize the NFC chip 600 of non-connection function with application/operation control operation system 530; Be arranged in intelligent terminal and for inserting the financial IC card draw-in groove (not shown) of financial IC card 230; And the non-antenna (not shown) that connects coupling with above-mentioned financial IC card 230.In the present embodiment, NFC chip 600 is modules that intelligent terminal itself possesses, and that is to say, this intelligent terminal itself is the intelligent terminal with NFC function.
Wherein, above-mentioned financial IC card 230 is the safety chips that possess SWP interface.This safety chip is connected with the NFC chip 600 of intelligent terminal by SWP interface, and like this, application/operation control operation system 530 can conduct interviews to this safety chip by NFC chip 600.
In the present embodiment, financial IC card 230 is customized to and the plug-in card of the PLUG-IN card pattern of SIM same size.Financial IC card draw-in groove is and the draw-in groove of the PLUG-IN card pattern of above-mentioned financial IC card 230 pattern matching, the size of this financial IC card draw-in groove and SIM card draw-in groove measure-alike, and this financial IC card draw-in groove and SIM card draw-in groove independent setting respectively.
In the present embodiment, the non-antenna that connects has antenna contacts, and this non-antenna arrangement that connects is in the bonnet of intelligent terminal, and preferably, this non-antenna that connects is wrapped in the bonnet of intelligent terminal in the mode of coil.And the above-mentioned non-antenna that connects is set to the above-mentioned non-above-mentioned antenna contacts that connects antenna in the case of the bonnet of above-mentioned intelligent terminal covers and is electrically connected with the antenna contacts of above-mentioned financial IC card draw-in groove.
In the present embodiment, NFC chip 600 is chips that intelligent terminal itself possesses, and NFC chip 600 is undertaken alternately by SWP agreement and safety chip, and the intelligent terminal of the embedded financial IC card of present embodiment can be supported near field Zhi Fuyu remote payment.The in the situation that of the Zhi Fuyu remote payment of near field, all need to be via the NFC chip 600 on intelligent terminal, and carried out Reseal and the forwarding of data by NFC chip 600.Wherein, when remote payment, the application in application/operation control operation system 530 can be carried out communication by ISO 7816 agreements and NFC chip 600, and when the payment of near field, can be that extraneous POS terminal is carried out communication by ISO 14443 agreements and NFC chip 600.
As the variation of this 3rd embodiment, can also be set to financial IC card 230 to be directly connected with application/operation control operation system 530 of intelligent terminal.Fig. 6 is the structured flowchart that has represented the intelligent terminal of the embedded financial IC card of this variation.Under this connected mode, communication mode when near field pays is constant, and communication mode while carrying out remote payment, change to application in application/operation control operation system 530 by 7816 mouthfuls of ISO directly and safety chip carry out alternately, and do not need to carry out transfer by NFC chip 600 again.
In this 3rd embodiment, in intelligent terminal, is furnished with NFC chip 600, thereby intelligent terminal can, by the application in these NFC chip 600 access security chips, expand the function of financial IC card, can support to realize remote payment function by the client software on intelligent terminal.Because possessed NFC chip 600 in intelligent terminal, therefore the intelligent terminal of the embedded financial IC card of present embodiment can be realized based on diversified application forms such as various mode cards, card reader pattern, P2P patterns.
On the other hand, because intelligent terminal is all supported on hardware, without extra interpolation, but need on the payment client terminal using at present, carry out certain change.Because communication interface is no longer based on SD Cavan part system form or 7816 interface shapes, need to change into and support NFC interface shape, therefore, can bring certain software cost.What but this change was used is the primary NFC interface that operating system provides, more standardization comparatively speaking.
Above, intelligent terminal for the embedded financial IC card of the first～three embodiment of the present invention is illustrated, below for these three kinds of embodiments the hardware change of intelligent terminal, software development, cost and functional aspect the relative merits that exist separately of philosophy simply compare again, shown in table 1 specific as follows:
Table 1
| The first embodiment | The second embodiment | The 3rd embodiment | |
| Terminal transformation complexity | Little | In | Greatly |
| Terminal software is changed | Nothing | Greatly | In |
| Mode card | Support | Support | Support |
| Card Reader pattern | Do not support | Support | Support |
| Ad hoc mode | Do not support | Support | Support |
| User experiences | In | Good | Good |
| IC-card cost | Little | Greatly | Little |
| Remote payment | Do not support | Support | Support |
| Near field pays | Support | Support | Support |
As shown in table 1, from terminal transformation complexity, in the first embodiment, only add a draw-in groove and antenna, therefore change cost minimization; In the second embodiment, add a draw-in groove, antenna and the communication interface circuit with financial IC card, improvement cost is moderate; In the 3rd embodiment change larger, not only need intelligent terminal itself just to support NFC, also need to add a draw-in groove and antenna.Moreover, change complexity from terminal software, support terminal software not in the first embodiment, therefore without transformation; In the second embodiment, need to revise the communication interface driver being connected with safety chip in operating system aspect, therefore transformation is larger; In the 3rd embodiment, only need the communication interface of terminal software transformation and financial IC card, therefore change moderate.
Based on foregoing, the present invention proposes a kind of intelligent terminal of realizing embedded financial IC card, utilize intelligent terminal of the present invention, can effectively improve portability and the ease for use of financial IC card.For example, the intelligent terminal of realizing embedded financial IC card of the present invention can also, on the basis of cost control, combine intelligent terminal and financial IC card well.For example, can on financial IC card, realize management of personal money etc. function, because this financial IC card can be by bank's hair fastener and control voluntarily, so be to carry out personalized customization according to banking in content, being more conducive to bank's scope that extends one's service increases portfolio.
And, by such financial IC card is set in intelligent terminal, can tackle well the strong control of current operator to SIM card industrial chain, the mobile payment application that more domestic larger bank, the third-party institution etc. draw oneself up on intelligent terminal of being more convenient for, is also more conducive to promote the development of mobile payment industry.
Secondly, than current mobile payment SD card, because this financial IC card is to adopt the design of class PLUG-IN card, it can continue to continue to use existing PLUG-IN blocking fabrication technique in realization, can better reduce the cost of mobile payment, improve bank and even user's enthusiasm and property of participation.
Above example has mainly illustrated the intelligent terminal that embeds financial IC card of the present invention.Although only some of them the specific embodiment of the present invention is described, those of ordinary skill in the art should understand, and the present invention can implement not departing from its purport and scope with many other forms.Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, and in the situation that not departing from spirit of the present invention as defined in appended each claim and scope, the present invention may be contained various amendments and replacement.
Claims (16)
1. the intelligent terminal that can embed financial IC card, is characterized in that, described intelligent terminal comprises:
Be arranged in described intelligent terminal and for inserting the financial IC card draw-in groove of financial IC card;
The non-antenna that connects coupling with described financial IC card; And
Described financial IC card is the financial IC card of PLUG-IN card pattern.
2. the intelligent terminal that embeds financial IC card as claimed in claim 1, is characterized in that,
Described financial IC card is the safety chip of supporting non-connection function.
3. the intelligent terminal that embeds financial IC card as claimed in claim 2, is characterized in that,
The described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
The described non-antenna that connects is set to described the first antenna contacts in the case of the bonnet of described intelligent terminal covers and is electrically connected with described the second antenna contacts.
4. the intelligent terminal that embeds financial IC card as claimed in claim 2, is characterized in that,
The described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
By described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described in the first antenna contacts be electrically connected with described the second antenna contacts.
5. the intelligent terminal that embeds financial IC card as claimed in claim 1, is characterized in that,
Described fiscard IC comprises NFC chip, safety chip and the antennal interface of supporting non-connection function.
6. the intelligent terminal that embeds financial IC card as claimed in claim 5, is characterized in that,
Described intelligent terminal also possesses the operating system of intelligent terminal being applied, operated control,
Described safety chip at least has the first communication interface being connected with described operating system; And the second communication interface being connected with described NFC chip.
7. the intelligent terminal that embeds financial IC card as claimed in claim 6, is characterized in that,
Described second communication interface is SWP interface.
8. the intelligent terminal that embeds financial IC card as claimed in claim 7, is characterized in that,
Described the first communication interface is any one in 7816 interfaces, SPI interface, MMC interface, IC-USB interface.
9. the intelligent terminal that embeds financial IC card as claimed in claim 8, is characterized in that,
The described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
The described non-antenna that connects is set to described the first antenna contacts in the case of the bonnet of described intelligent terminal covers and is electrically connected with described the second antenna contacts.
10. the intelligent terminal that embeds financial IC card as claimed in claim 8, is characterized in that,
The described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
By described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described in the first antenna contacts be electrically connected with described the second antenna contacts.
11. intelligent terminals that embed financial IC card as claimed in claim 1, is characterized in that,
Described intelligent terminal also possesses: control operation system is applied/operated to intelligent terminal; And be connected and can realize the NFC chip of non-connection function with described operating system,
Described financial IC card is the safety chip that possesses SWP interface.
12. intelligent terminals that embed financial IC card as claimed in claim 11, is characterized in that,
Described safety chip is connected with the NFC chip of described intelligent terminal by described SWP interface,
Described operating system conducts interviews to described safety chip by described NFC module.
13. intelligent terminals that embed financial IC card as claimed in claim 12, is characterized in that,
The described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
The described non-antenna that connects is set to described the first antenna contacts in the case of the bonnet of described intelligent terminal covers and is electrically connected with described the second antenna contacts.
14. intelligent terminals that embed financial IC card as claimed in claim 13, is characterized in that,
Described financial IC card is directly connected with described application/operation control operation system.
The intelligent terminal of 15. embedded financial IC cards as described in claim 1～14, is characterized in that,
Described intelligent terminal also possesses and is arranged in described intelligent terminal and for inserting the SIM card draw-in groove of SIM card,
The size of described financial IC card draw-in groove and described SIM card draw-in groove measure-alike,
The size of described financial IC card and described SIM card measure-alike.
16. intelligent terminals that embed financial IC card as claimed in claim 15, is characterized in that,
Described financial IC card draw-in groove and described SIM card draw-in groove be independent setting respectively.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310044925.1A CN103971456A (en) | 2013-02-05 | 2013-02-05 | Intelligent terminal wherein financial IC card can be embedded |
| PCT/CN2014/071783 WO2014121734A1 (en) | 2013-02-05 | 2014-01-29 | Intelligent terminal in which financial ic card can be built |
| HK15101162.3A HK1200963A1 (en) | 2013-02-05 | 2015-02-04 | An intelligent terminal into which financial ic cards are embeddable ic |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310044925.1A CN103971456A (en) | 2013-02-05 | 2013-02-05 | Intelligent terminal wherein financial IC card can be embedded |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103971456A true CN103971456A (en) | 2014-08-06 |
Family
ID=51240894
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310044925.1A Pending CN103971456A (en) | 2013-02-05 | 2013-02-05 | Intelligent terminal wherein financial IC card can be embedded |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN103971456A (en) |
| HK (1) | HK1200963A1 (en) |
| WO (1) | WO2014121734A1 (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105303228A (en) * | 2015-10-23 | 2016-02-03 | 大唐微电子技术有限公司 | Mobile payment chip, terminal and method |
| CN106570697A (en) * | 2016-10-31 | 2017-04-19 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device, and safety certificate tool |
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- 2013-02-05 CN CN201310044925.1A patent/CN103971456A/en active Pending
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- 2014-01-29 WO PCT/CN2014/071783 patent/WO2014121734A1/en active Application Filing
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| US5895903A (en) * | 1996-02-28 | 1999-04-20 | Hitachi, Ltd. | Terminal for portable IC card |
| CN200990090Y (en) * | 2006-09-27 | 2007-12-12 | 上海复旦微电子股份有限公司 | Mobile telephone device with non-contact IC card or electronic label and reader and writer purpose thereof |
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| CN105303228A (en) * | 2015-10-23 | 2016-02-03 | 大唐微电子技术有限公司 | Mobile payment chip, terminal and method |
| CN106570697A (en) * | 2016-10-31 | 2017-04-19 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device, and safety certificate tool |
| CN106570697B (en) * | 2016-10-31 | 2020-01-10 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device and security authentication tool |
Also Published As
| Publication number | Publication date |
|---|---|
| HK1200963A1 (en) | 2015-08-14 |
| WO2014121734A1 (en) | 2014-08-14 |
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