RU2520324C1 - Payment system and sim card and smart card substrate set - Google Patents

Abstract

FIELD: radio engineering, communication.

SUBSTANCE: payment system comprises a payment terminal, an information processing centre connected to said payment terminal, a smart card and a mobile communication means. The information processing centre is capable of transmitting and receiving messages by mobile communication. The SIM card of the mobile communication means is provided with a substrate having a microcontroller and a transceiver with an antenna and is formed with contact interfaces for connection to the SIM card and to the mobile communication means, wherein the substrate is fit into a socket of the mobile communications means. The smart card is equipped with an analogous transceiver with an antenna for data exchange with the substrate of the SIM card over a radio channel.

EFFECT: using of any mobile communication means which uses a SIM card when making payments.

11 cl, 3 dwg

Description

Technical field

The present invention relates to payment systems that provide for the use of smart cards and mobile communications.

State of the art

From the prior art, see international publication WO 2009/039419 of March 26, 2009 of international application PCT / US2008 / 077089, there is known a payment system including payment terminals, an associated information processing center, a smart card and a mobile communication device, wherein the center the processing is configured to transmit and receive messages over mobile communications, and the mobile communications tool and smart card are configured to exchange data with each other over the air.

A disadvantage of the known payment system is the need for mandatory use of a mobile communication device made with bluetooth (bluetooth), which limits the use of this payment system.

In the current level of technology, a set of a smart card and a substrate for a SIM (Subscriber Identification Module) SIM card has not been identified. At the same time, a smart card is known that is capable of exchanging data with a mobile communication device, see international publication WO 2009/039419 of March 26, 2009 of international application PCT / US2008 / 077089, and a SIM card substrate with an integrated microcontroller, for example, see patent US 6775725 from 08/10/2004 and patent US 7303137 from 04/04/2007.

A disadvantage of the known smart cards and known substrates for SIM cards is that they cannot interact and there is no radio channel between them.

Disclosure of invention

The technical result achieved in the claimed payment system is the ability to use in this system any means of mobile communication using a SIM card. This technical result is achieved thanks to a universal tool - a substrate for a SIM card that provides data exchange with a smart card, and more precisely, thanks to a set of smart cards and a substrate for a SIM card.

The technical result achieved in the claimed set of smart cards and the substrate for the SIM card is that data exchange is implemented between them. Moreover, the use of the kit is universal, since it can be used in the payment system by almost any user of a mobile communication device.

The indicated technical result is achieved in a payment system, including payment terminals, an information processing center, a smart card and a mobile communication device with a SIM card, the processing center being configured to send and receive messages via mobile communication, and the mobile communication device and the smart card is capable of exchanging data with each other over the air, since the SIM card of the mobile communication device is provided with a substrate made with contact interfaces on both sides of the plug-ins for connecting to a SIM card and to a means of mobile communication, a microcontroller and a transceiver with an antenna for exchanging data with a smart card over the air.

Data exchange between a smart card and a mobile communication device can be carried out in the high-frequency range of radio waves at a distance of up to 10 m.

A smart card can be made with contact and / or contactless interfaces for interacting with readers of payment terminals and contain a microcontroller, a battery, a flat spiral antenna and a transceiver with a built-in antenna for exchanging data via a radio channel with a SIM card substrate for a mobile communication device.

The specified technical result is achieved in a set of a smart card and a substrate for a SIM card installed in a slot of a mobile communication device together with a SIM card and made with contact interfaces for connecting to a SIM card and a mobile communication device, while the substrate for a SIM card, and a smart card for exchanging data between them over the air is made with a microcontroller and a transceiver with an antenna.

The substrate for the SIM card and smart card can be configured to exchange data between them in the high-frequency range of radio waves, at a distance of up to 10 m.

The smart card can be implemented with a contact and / or contactless interface for interaction with the corresponding reader of the payment terminal.

The substrate for the SIM card installed with the SIM card in the socket of a mobile communication device is made with contact interfaces for connecting to a SIM card and a mobile communication device and with a microcontroller and a transceiver mounted on a substrate with an antenna connected to the microcontroller.

The substrate can be made of two layers of a polyimide film, and the wiring from the contact interfaces and the transceiver to the microcontroller can be made between the layers of polyimide.

The microcontroller and transceiver with antenna can be mounted in the substrate from the contact interface to connect to the SIM card.

The microcontroller and the transceiver with the antenna can be mounted in the substrate from the contact interface for connection to a mobile communication device.

The substrate can be made of two-layer polyimide.

The substrate may further include a layer of glue applied in the form of strips along the edges of the substrate, for connection with a SIM card.

Brief Description of the Drawings

Figure 1 shows a diagram of a payment system, which shows a set of smart cards and the substrate for a SIM card.

Figure 2 and figure 3 depicts embodiments of the substrate for the SIM card.

Embodiments of the invention

Figure 1 presents a diagram of a payment system, including a payment terminal 1, an associated information processing center 2, a smart card 3 and a mobile phone 4 with a SIM card 5 and a substrate 6 for a SIM card installed in the telephone jack, while the information processing center 2 is configured to transmit and receive messages via mobile communication, and the SIM card substrate 6 and smart card 3 are configured to exchange data with each other over the air. The support for SIM card 6 and smart card 3 are the kit, using which the phone user becomes the user of the corresponding payment system. The smart card 3 includes a microcontroller 7 and a transceiver 8 with an antenna connected to it, operating in the high-frequency range of radio waves for data exchange with the SIM card substrate 6 and a protected microcontroller 9 with a transceiver and antenna operating at a frequency of 13.56 MHz, for exchange data with the reader of the payment terminal.

The substrate 6 shown in FIG. 2, which is installed in the telephone jack with a SIM card 5, is made of a two-layer polyimide with a contact interface 10 thick for connecting to a SIM card 5, and on the back with a contact interface similar to the SIM card interface for connecting to a mobile phone, a microcontroller (chip) 11 and a transceiver 12 with an antenna 13, operating in the high-frequency range of radio waves, for exchanging data with a smart card over the air. 14 - an adhesive layer deposited on a substrate and covered with a film that is removed before connecting the substrate to the SIM card. The wiring from the interface to the microcontroller (chip) and from the microcontroller to the transceiver is made between the layers of polyimide. The thickness of the substrate in the kit with the SIM card does not exceed 1.36 mm, which ensures the placement of the kit in the phone jack for the SIM card.

Another option is the placement of the microcontroller (chip) and transceiver, as shown in Figure 3, where 6 is a substrate made of a two-layer polyimide. The substrate can also be made of textolite, or fiberglass, or getinaks, as well as fluoroplastic, ceramics, polyimide materials, such as kapton. A contact interface 15 is applied to the substrate, similar to the SIM card interface, designed to connect the microcontroller 11 (chip) in the phone, the wiring from the interface to the microcontroller (chip) is made between the layers of polyimide. Also mounted transceiver 12, with built-in antenna 13, operating in the high frequency range of radio waves. On the reverse side of the substrate, a contact interface is made for connecting the microcontroller (chip) to the SIM card 5. 16 - an adhesive layer deposited on the substrate on the side adjacent to the SIM card.

There are also 2 more options for the location of the microcontroller (chip) and transceiver. The microcontroller can be mounted in the substrate from the side of the contact interface for connecting to a mobile communications device, and the transceiver with an antenna from the side of the contact interface for connecting to a SIM card. And vice versa: the microcontroller can be mounted in the substrate from the side of the contact interface to connect to the SIM card, and the transceiver from the antenna from the side of the contact interface to connect to the mobile communication device.

The microcontroller 11 has the ability to exchange data with the server software information processing center 2 (figure 2) using a mobile phone 4 (figure 2) through the network of a cellular operator. The microcontroller 11 is loaded with software (operating system), which, in fact, is a software platform for hosting client corporate applications (services) in the microcontroller 11 intended for the end user.

The transceiver 8 in a smart card (contactless bank card) is an analogue of a transceiver mounted in a substrate 12. Data transmission between two transceivers is organized via a protected channel of the high-frequency range of radio waves. Range up to 10 m.

A secure microcontroller 9 in a contactless bank card is designed to store sensitive information. This microcontroller has two interfaces (Dual Interface Security Controller). The first interface is a pin interface that complies with the IS07816 standard for bank cards.

The second interface is non-contact, complying with the ISO 14443 standard. The non-contact interface operates at a frequency of 13.56 MHz using a flat helical antenna connected to a protected microcontroller. This interface allows you to interact with the existing infrastructure of contactless card readers and public transport access systems. The pair works as follows. The reader contains a generator that powers the reader's antenna. The reader antenna radiation is received by the smart card antenna and is used to power the microcircuit (chip), which, when power is supplied by the modulator (M), begins to modulate the reader signal with a code recorded in the read-only memory (ROM) of the card. The modulated signal in the reader is detected, amplified and fed to the microcontroller, which converts the signal received from the contactless card to a form convenient for transmission to an external device to which the reader is connected. Contactless cards interact with the reader according to the protocol defined by the ISO 14443 standard, at a distance of up to 10 cm.

Contactless interaction between the substrate 6 with the microcontroller 11 in the phone and the contactless card is carried out by means of transceivers built into them at a distance of up to 10 meters.

Thus, it becomes possible to exchange data between the server software platform, a mobile phone and a contactless credit card.

The described system for the interaction of devices: substrate 6 with a microcontroller 11 and a contactless bank card (smart card) - allows you to:

- to the client (user) to access information on his contactless card via the mobile phone interface;

- service providers (banks, public transport systems, retail enterprises, mobile operators) to get secure access to the client’s card through wireless communication channels (for example, GPRS, Wi-Fi) in order to transmit classified information.

The client receives the following options for using his card, including due to the ability to control the card through the mobile phone interface:

- make payments;

- manage accounts and payment for services online and offline;

- use contactless bank cards;

- withdraw / replenish cards in terminals and ATMs;

- It is safe to transfer funds between customers online and offline;

- carry out access control;

- buy and use electronic transport tickets;

- buy and use electronic parking cards and coupons;

- use personal data in contactless access systems;

- carry out marketing.

Claims (11)

1. A payment system including a payment terminal, an associated information processing center, a smart card and a mobile communication device, wherein the information processing center is configured to transmit and receive messages via mobile communication, and the mobile communication device and smart card are configured with the ability to exchange data with each other via a radio channel, characterized in that the SIM card of the mobile communication device is provided with a substrate installed in the socket of the mobile communication device together with the SIM card and made with contact interfaces and for connecting to a SIM card and to a mobile communication device and a microcontroller and a transceiver with an antenna mounted therein for exchanging data with a smart card via a radio channel. 2. The system according to claim 1, characterized in that the data exchange between the smart card and the mobile communication device is carried out in the high-frequency range of radio waves, at a distance of up to 10 m. 3. The system according to claim 1, characterized in that the smart card is made with contact and / or contactless interfaces for interacting with a reader of a payment terminal and contains a microcontroller, a flat battery, a flat spiral antenna and a transceiver with a built-in antenna for exchanging data via a radio channel with substrate for a SIM card mobile communications. 4. A set of a smart card and a substrate for a SIM card installed in a socket of a mobile communication device together with a SIM card and made with contact interfaces for connecting to a SIM card and a mobile communication device and a microcontroller and transceiver mounted in it with an antenna for data exchange with a smart card also made with a microcontroller and a transceiver with an antenna. 5. The kit according to claim 4, characterized in that the substrate for the SIM card and smart card are configured to exchange data between them in the high-frequency range of radio waves, at a distance of up to 10 m 6. The kit according to claim 4, characterized in that the smart card is made with a contact and / or contactless interface for interaction with a reader of a payment terminal. 7. The kit according to claim 4, characterized in that the substrate for the SIM card is made of two layers of a polyimide film, and the wiring from the contact interfaces and the transceiver to the microcontroller is made between the layers of the polyimide. 8. The kit according to claim 7, characterized in that the microcontroller and the transceiver with the antenna are mounted in the substrate from the contact interface for connecting to a SIM card. 9. The kit according to claim 7, characterized in that the microcontroller and the transceiver with the antenna are mounted in the substrate for the SIM card from the contact interface for connecting to a mobile communication device. 10. The kit according to claim 7, characterized in that the substrate for the SIM card is made of a two-layer polyimide. 11. The kit according to claim 7, characterized in that the SIM card substrate further comprises an adhesive layer deposited in the form of strips along the edges of the substrate.

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