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CN104240075A - Financial card, mobile terminal and mobile payment system - Google Patents

Financial card, mobile terminal and mobile payment system Download PDF

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Publication number
CN104240075A
CN104240075A CN201310226138.9A CN201310226138A CN104240075A CN 104240075 A CN104240075 A CN 104240075A CN 201310226138 A CN201310226138 A CN 201310226138A CN 104240075 A CN104240075 A CN 104240075A
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CN
China
Prior art keywords
card
financial
mobile terminal
chip
payment
Prior art date
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Pending
Application number
CN201310226138.9A
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Chinese (zh)
Inventor
朱冰
徐刚
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
ZTE Corp
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ZTE Corp
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Filing date
Publication date
Application filed by ZTE Corp filed Critical ZTE Corp
Priority to CN201310226138.9A priority Critical patent/CN104240075A/en
Priority to PCT/CN2013/079739 priority patent/WO2013174317A2/en
Publication of CN104240075A publication Critical patent/CN104240075A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226Use of secure elements separate from M-devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415Cards acting autonomously as pay-media
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Telephone Function (AREA)

Abstract

The invention provides a financial card, a mobile terminal and a mobile payment system, wherein the financial card comprises a substrate and an IC card chip for performing a financial payment function. The IC card chip is arranged on the substrate. The financial card further comprises a near-field communication module. The near-field communication module is arranged on the substrate and is coupled with the IC card chip and is used for transmitting payment information generated in transaction of the IC card chip with an outer reader to the mobile terminal. The financial card according to the technical solution provided by the utility model settles the technical problems of low versatility, low transplantability and incapability of satisfying the control requirement of payment mechanisms of Unionpay, etc. in existing mobile payment solution in related technique, thereby improving versatility and transplantability of the financial card, and furthermore improving versatility and transplantability of the mobile payment mode. Furthermore, dominance of the mobile payment solution by the Unionpay without restriction by mobile service operators can be realized.

Description

Financial card, mobile terminal and mobile payment system
Technical Field
The invention relates to the field of mobile payment, in particular to a financial card, a mobile terminal and a mobile payment system.
Background
Near Field Communication (NFC) is a Near Field Communication technology evolved by RFID, mobile payment is a main function of NFC, and in order to ensure security of payment, an NFC mobile phone payment system needs to have a Secure Element (SE). According to the different positions of the SE, the NFC-based mobile phone payment service has three different schemes: the NFC terminal comprises an NFC full terminal (SE is built in mobile phone hardware), an NFC Single Wire Protocol (NFC-SWP for short) (SE is built in SIM card), and an NFC-SD card (SE is built in SD card).
Due to the fact that the SE has three different modes, a lot of disputes are brought, and the SE is controlled by the SE, so that the NFC mobile phone market is led. However, currently only the NFC-SWP solution is globally unified, and this solution SE is stored on the SIM card and is controlled by the operator, but for banks and other payment institutions, it also wants to control SE.
In the current market, the NFC chips are all on the terminals, and the NFC-SWP scheme is controlled by the telecommunication operator, depends on the terminal type, has no universality and portability, cannot satisfy the dominance of payment mechanisms such as union pay and the like on the NFC industry, and is in the way of preventing the NFC from being popularized comprehensively.
In view of the above problems in the related art, no effective solution has been proposed at present.
Disclosure of Invention
The invention provides a financial card, a mobile terminal and a mobile payment system, aiming at solving the technical problems that the existing mobile payment scheme has low universality and portability and cannot meet the control requirements of payment mechanisms such as Unionpay and the like in the related art.
According to an aspect of the present invention, there is provided a financial card including: base plate and the IC-card chip that is used for carrying out financial payment function, the IC-card chip set up in on the base plate, the financial card still includes: the near field communication module is arranged on the substrate, is coupled with the IC card chip and is used for sending payment information generated when the IC card chip is transacted with an external reader to the mobile terminal.
Preferably, the financial card further comprises: and the security chip is connected with the near field communication module and used for encrypting the payment information and sending the encrypted payment information to the mobile terminal.
Preferably, the substrate is shaped to fit a designated card slot in the mobile terminal.
Preferably, the substrate has the same shape as a SIM card in the mobile terminal.
Preferably, the financial card further comprises: and the SIM card module is arranged on the substrate.
Preferably, the financial card comprises one of: bus card, entrance guard card, union pay card.
Preferably, the financial card further comprises: the NFC antenna or the NFC contact is in contact connection with the NFC antenna in the mobile terminal.
According to still another aspect of the present invention, there is provided a mobile terminal including: a card slot for mounting the financial card of any one of claims 1 to 6; and the main control chip is used for receiving payment information generated when the IC card chip is communicated with an external reader and verifying the payment information.
Preferably, the card slot includes: and the subscriber identity module SIM card slot.
Preferably, the number of the SIM card slots is at least two.
Preferably, the mobile terminal further includes: the NFC antenna is connected with the near field communication module in the financial card; or the NFC contact is connected with the NFC antenna in the financial card.
According to still another aspect of the present invention, there is provided a mobile payment system including: the financial card, the mobile terminal and the Unionpay payment system are used for the payment; and the mobile terminal forwards payment information generated when the financial card is communicated with an external reader to the Unionpay payment system for payment.
According to the invention, the technical means that the near field communication module capable of communicating with the external reader is arranged in the financial card is adopted, so that the technical problems that the universality and the portability of the existing mobile payment scheme are not strong, the control requirements of payment mechanisms such as Unionpay and the like cannot be met and the like in the related technology are solved, the universality and the portability of the financial card are enhanced, the universality and the portability of a mobile payment mode are further enhanced, and the mobile payment scheme is dominated by the Unionpay and is not restricted by mobile operators.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the invention and together with the description serve to explain the invention without limiting the invention. In the drawings:
FIG. 1 is a block diagram of a financial card according to an embodiment of the present invention;
FIG. 2 is another block diagram of a financial card according to an embodiment of the present invention;
fig. 3 is a block diagram of a mobile terminal according to an embodiment of the present invention;
fig. 4 is a block diagram of a mobile payment system according to an embodiment of the present invention;
fig. 5 is a schematic structural view of a financial IC card according to a preferred embodiment of the present invention;
fig. 6 is a schematic structural diagram of a mobile terminal according to a preferred embodiment of the present invention;
fig. 7 is a schematic structural view of a rear cover of a mobile terminal according to a preferred embodiment of the present invention;
fig. 8 is a schematic diagram of a communication interface between a mobile terminal main control chip and a financial IC card according to the present invention.
Detailed Description
The invention will be described in detail hereinafter with reference to the accompanying drawings in conjunction with embodiments. It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict.
Fig. 1 is a block diagram illustrating a structure of a financial card according to an embodiment of the present invention. As shown in fig. 1, the financial card includes: the mobile terminal comprises a substrate 10, an IC card chip 101 for performing a financial payment function, and a near field communication module 103, wherein the IC card chip 101 is arranged on the substrate 10, and the near field communication module 103 is arranged on the substrate 10, coupled with the IC card chip 101, and configured to send payment information generated when the IC card chip 101 and an external reader perform a transaction to the mobile terminal.
By adopting the financial card provided by the embodiment, the near field communication chip for the near field communication function is arranged in the financial card, so that the financial card can directly carry out near field communication with an external reader (such as a POS machine), the financial card can be more flexibly applied to the field of mobile payment, the universality and the portability of a mobile payment mode are improved, and the effective control of a UnionPay system on the mobile payment can be realized.
In this embodiment, the near field communication module may be a near field communication NFC chip, and in order to implement an NFC function, an NFC antenna may be integrated on the financial card, or an NFC contact connected to an NFC antenna (for example, an NFC antenna on a mobile terminal) may be provided. For the latter, an antenna implementation with contacts may be provided on the back cover of the mobile terminal.
The IC card chip 101 and the near field communication module 103 may be provided on an outer surface of the substrate 10, and may be embedded or attached to a surface of the substrate, or may be internally provided in the substrate.
In this embodiment, in order to enhance the security during the transaction, as shown in fig. 2, a secure chip 105 may be further disposed on the financial card, and the secure chip 105 is connected to the near field communication module 103, and is configured to encrypt the payment information and send the encrypted payment information to the mobile terminal. Therefore, the mobile terminal can directly verify and authorize the delivery information (such as bus card payment information) according to the type of the payment information to finish payment, and can also send the payment information to a Unionpay system to confirm and authorize to finish payment.
At this time, the near field communication module may communicate with the secure chip through a Single Wire Protocol (SWP) to implement encryption of the above payment information.
The financial card can be installed in a mobile terminal (for example, a mobile phone) when applied, at the moment, a corresponding installation position needs to be arranged in the terminal, for example, a specific card slot can be arranged, and at the moment, the shape of the substrate is adapted to a specified card slot in the mobile terminal. Of course, when the mobile terminal is a multi-card mobile phone, the financial card can be installed by using one of the SIM card slots, in which case the shape of the substrate is the same as that of the SIM card in the mobile terminal.
In this embodiment, as described above, the financial card may be configured in the same shape as the SIM card, so that as shown in fig. 2, the financial card may further include: the SIM card module 107 is disposed on the substrate 10. In other words, the financial card in the present embodiment may be provided on the SIM card.
In this embodiment, the financial card may support a card simulation form, and may simulate the financial card as follows: bus card, entrance guard card, union pay card, electronic wallet. The electronic tag can also support a card reader mode and can be used for reading related information on the electronic tag; and a point-to-point mode is also supported, and data interaction between NFC devices can be realized.
The financial IC card provided by the embodiment can be compatible with mobile terminals of different standards, is plug-and-play, convenient and flexible, and has strong universality; besides near-field payment, remote payment can be supported, and the card is multifunctional.
In this embodiment, in accordance with the financial card, there is also provided a mobile terminal, as shown in fig. 3, including:
a card slot 30 for installing the financial card;
and the main control chip 32 is used for receiving payment information generated when the IC card chip of the financial card communicates with an external reader and verifying the payment information.
The card slot can be a special card slot for installing financial cards or a SIM card slot. In the latter case, in order not to affect the normal communication service of the mobile terminal, the number of the SIM card slots is at least two.
In this embodiment, the mobile terminal may include: the NFC antenna is connected with the near field communication module in the financial card; or the NFC contact is connected with the NFC antenna in the financial card.
In this embodiment, there is further provided a mobile payment system, as shown in fig. 4, including: the financial card 40 described above, the mobile terminal 42 described above, and the unionpay payment system 44; the mobile terminal forwards payment information generated when the financial card is communicated with an external reader to a Unionpay payment system for payment.
For a better understanding of the above embodiments, reference is made to the following detailed description of preferred embodiments of the above embodiments.
As shown in fig. 5, the present embodiment provides a novel financial IC card 50, which includes an NFC chip 501 (equivalent to the NFC module 103) and an IC card chip 503 (equivalent to the IC card chip 101), where the NFC chip 501 and the IC card chip 503 are correspondingly connected through an L1 (SWP, Single Wire Protocol).
The NFC antenna of the present embodiment may be embedded in the card base 505 (equivalent to the substrate 10) of the financial IC card 50, or the financial IC card 50 may be provided with a contact P1 for connecting the NFC antenna.
A Secure Element (SE, Secure Element) 507 (equivalent to the Secure chip 105) is built in the IC card chip 503, and the Secure Element 507 is used for controlling the NFC chip 501 to interact with external NFC equipment, so as to complete specific functions such as card swiping and authentication.
As shown in fig. 6, the present embodiment further provides a mobile terminal 60, which includes a financial IC card slot 601, wherein the financial IC card 50 is placed in the financial IC card slot 601 and is in communication connection with the mobile terminal through the relevant contact channel.
As shown in fig. 7, the mobile terminal 60 may further include a mobile phone rear cover 603, and an NFC antenna 6031 with a contact P2 is wound on the mobile phone rear cover 603, and the contact P2 is connected to the contact P1 of the financial IC card 50.
Referring to fig. 8, the connection between the main control chip 605 of the mobile terminal and the financial IC card 50 may be on the NFC chip 501 or the IC card chip 503.
If the financial IC card 50 and the main control chip 605 are connected to the IC card chip 503, the main control chip 605 may perform information interaction with the financial IC card 50 through the L2 and L3 interfaces (for example, ISO7816 interfaces) of the conventional IC card, or may also use a high-speed communication interface, such as IC-USB, MMC, SPI, etc., to improve the communication efficiency of the interface. The IC card chip 503 of the financial IC card 50 communicates with the NFC chip 501 via the SWP protocol.
If the financial IC card 50 and the main control chip 605 are connected to the NFC chip 501, the main control chip 605 may perform information interaction with the financial IC card 50 through IC-USB, MMC, or other connection methods. The IC chip 503 and the NFC chip 501 of the financial IC card 50 still communicate with each other via the SWP protocol.
Therefore, the financial IC card provided by the embodiment comprises the NFC chip and the IC card chip, the security chip is embedded in the IC card chip, and the NFC chip and the security chip communicate through an SWP protocol. The financial IC card is connected with the mobile phone main control chip through another contact channel so as to carry out information interaction.
In summary, the financial card chip provided by the embodiment has the following beneficial effects: the financial IC card can be designed into an SIM card style, and can reuse a card reader of the SIM card, thereby reducing the development cost; the financial IC card is provided with an NFC chip, and can support a card reader and a P2P mode besides a card mode; the financial IC card and the mobile phone have communication interfaces, so that the near field payment and the remote payment are supported; the financial IC card can be flexibly matched with tariff packages of different operators, and compared with an NFC-SWP card scheme, the financial IC card does not need to be replaced by an NFC-SIM card when different types of mobile phones are used, and the universality is good.
The above is only a preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes will occur to those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims (12)

1.一种金融卡,包括:基板和用于进行金融支付功能的IC卡芯片,所述IC卡芯片设置于所述基板上,其特征在于,所述金融卡还包括:1. A financial card, comprising: a substrate and an IC card chip for financial payment function, the IC card chip is arranged on the substrate, it is characterized in that the financial card also includes: 近场通信模块,设置于所述基板上,与所述IC卡芯片耦合连接,用于将所述IC卡芯片与外界阅读器进行交易时产生的支付信息发送至移动终端。The near-field communication module is arranged on the substrate, coupled with the IC card chip, and used to send the payment information generated when the IC card chip trades with the external reader to the mobile terminal. 2.根据权利要求1所述的金融卡,其特征在于,还包括:2. The financial card according to claim 1, further comprising: 安全芯片,与所述近场通信模块进行连接,用于将所述支付信息进行加密,并将加密后的所述支付信息发送至所述移动终端。A security chip, connected to the near field communication module, for encrypting the payment information, and sending the encrypted payment information to the mobile terminal. 3.根据权利要求1所述的金融卡,其特征在于,所述基板的形状与所述移动终端中的指定卡槽相适应。3. The financial card according to claim 1, wherein the shape of the substrate is adapted to a designated card slot in the mobile terminal. 4.根据权利要求1所述的金融卡,其特征在于,所述基板的形状与所述移动终端中的SIM卡形状相同。4. The financial card according to claim 1, wherein the shape of the substrate is the same as that of the SIM card in the mobile terminal. 5.根据权利要求4所述的金融卡,其特征在于,所述金融卡还包括:SIM卡模块,设置于所述基板上。5. The financial card according to claim 4, further comprising: a SIM card module disposed on the substrate. 6.根据权利要求1至5任一项所述的金融卡,其特征在于,所述金融卡包括以下之一:公交卡、门禁卡、银联卡。6. The financial card according to any one of claims 1 to 5, characterized in that the financial card includes one of the following: bus card, access control card, UnionPay card. 7.根据权利要求1至5任一项所述的金融卡,其特征在于,还包括:7. The financial card according to any one of claims 1 to 5, further comprising: NFC天线或与所述移动终端中NFC天线接触连接的NFC触点。An NFC antenna or an NFC contact connected to the NFC antenna in the mobile terminal. 8.一种移动终端,其特征在于,包括:8. A mobile terminal, characterized in that it comprises: 卡槽,用于安装权利要求1至6任一项所述的金融卡;A card slot for installing the financial card according to any one of claims 1 to 6; 主控芯片,用于接收所述IC卡芯片与外界阅读器进行通信时产生的支付信息,并对该支付信息进行验证。The main control chip is used for receiving the payment information generated when the IC card chip communicates with the external reader, and verifying the payment information. 9.根据权利要求7所述的移动终端,其特征在于,所述卡槽包括:用户识别模块SIM卡卡槽。9. The mobile terminal according to claim 7, wherein the card slot comprises: a SIM card slot for a Subscriber Identity Module. 10.根据权利要求7所述的移动终端,其特征在于,所述SIM卡卡槽至少为两个。10. The mobile terminal according to claim 7, wherein there are at least two SIM card slots. 11.根据权利要求7所述的移动终端,其特征在于,还包括:11. The mobile terminal according to claim 7, further comprising: NFC天线,与所述金融卡中的近场通信模块连接;或者,An NFC antenna connected to a near field communication module in the financial card; or, NFC触点,与所述金融卡中的NFC天线连接。The NFC contact is connected with the NFC antenna in the financial card. 12.一种移动支付系统,其特征在于,包括:权利要求1至7任一项所述的金融卡、权利要求8-11任一项所述的移动终端、银联支付系统;其中,所述移动终端将所述金融卡与外界阅读器进行通信时产生的支付信息转发至所述银联支付系统进行支付。12. A mobile payment system, characterized in that it comprises: the financial card according to any one of claims 1 to 7, the mobile terminal according to any one of claims 8-11, and a UnionPay payment system; wherein, the The mobile terminal forwards the payment information generated when the financial card communicates with the external reader to the UnionPay payment system for payment.
CN201310226138.9A 2013-06-07 2013-06-07 Financial card, mobile terminal and mobile payment system Pending CN104240075A (en)

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PCT/CN2013/079739 WO2013174317A2 (en) 2013-06-07 2013-07-19 Financial card, mobile terminal and mobile payment system

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