CN102122415A - Non-contact mobile payment terminal and payment method based on security TF (TransFLash) card and NFC (near field communication) technology - Google Patents
Non-contact mobile payment terminal and payment method based on security TF (TransFLash) card and NFC (near field communication) technology Download PDFInfo
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Abstract
The invention relates to a non-contact mobile payment terminal and a payment method based on a security TF (TransFLash) card and a NFC (near field communication) technology. The non-contact mobile payment terminal comprises the security TF card taken as a carrier for providing security storage as well as a mobile payment service component added in a mobile terminal system with a NFC module, wherein, the security TF card is an intelligent security TF card password product formed by packaging a password chip, an SD (secure digital) controller and a flash memory; and the mobile payment service component comprises a first component module which interacts with the NFC module in the mobile terminal as well as a second component module which interacts with the security TF card, and the mobile payment service component initializes the NFC module into a smart card simulation mode by calling the first component module so that the NFC module and an external non-contact card reader perform information interaction so as to provide security storage. By utilizing the security TF card, the non-contact mobile payment terminal and the payment method can be realized under the support of the card so that the NFC-based non-contact mobile payment method is mutually independent with a telecom operator, thus more units and institutions support and use the terminal and the method.
Description
Technical field:
The present invention relates to a kind of non-contact mobile payment terminal and method of payment, particularly a kind of non-contact mobile payment terminal and method of payment based on safety TF card and NFC technology.
Background technology:
Mobile payment is meant by mobile communication terminal and equipment (being designated hereinafter simply as portable terminal) such as mobile phone, PDA, notebook computers, by bank transfer that wireless mode carried out, pay the fees and business transaction activity such as shopping.According to the distance in payment geographic position, mobile payment service can be divided into remote payment and local payment.Remote payment can not be subjected to the constraint in geographic position, and independence or rely on environment such as shopping online, teleshopping as disbursement account, is mentioned service request in modes such as voice, WAP, notes with bank account, mobile phone charge or virtual pre-stored account; Local payment then utilizes technology such as radio-frequency technique (as NFC etc.), infrared ray, bluetooth, makes that the localized communication between the terminal devices such as mobile phone and POS terminal, automatic vending machine becomes possibility, really finishes aspectant transaction with mobile phone.Local payment has comprised the non-contact mobile payment based on the NFC technology.
NFC(Near Field Communication) technology is a kind of the short distance wireless communication technology of being promoted mainly by major companies such as Philips, Nokia and Sony.NFC merges the new technology that develops and come on the basis of radio frequency identification (RFID) and interconnection technique.It is integrated Non-contact Media Reader, contact type intelligent card and point-to-point function on one chip, operate in the frequency range of 13.56MHz, can be in the connection between the apparatus for establishing in the about 10cm scope, transfer rate can be 106kbit/s, 212kbit/s, 424 kbit/s, and can bring up to more than the 848kbit/s future.It is accepted to become relevant international standard by International Standards Organization such as ISO, ECMA and ETSI.The NFC technology fully possessed following near radio interconnect equipment due low-power, low price, compatible characteristics, and make NFC become a kind of technology that is rich in competitive power of near radio field of interconnects.NFC has three kinds of mode of operations: 1) intelligent card artificial pattern; 2) point-to-point communication pattern; 3) card reader pattern.Main use is first kind of pattern in based on the non-contact mobile payment of NFC.Several main application scheme of present non-contact mobile payment comprises: the 1) integration program of mobile phone and SIM card, this scheme has been separated application layer and bottom function, the NFC application is placed in the SIM card, the NFC functional chip is placed in the mobile phone to solve compatibility issue; 2) other parts of NFC functional chip and antenna and mobile phone and SIM card scheme independently mutually; 3) two interface intelligent SIM card scheme.These several schemes respectively have characteristics.Wherein scheme 1 has obtained the support of global mobile communication alliance (GSMA), and GSMA proposes to adopt single-wire-protocol (SWP) between mobile phone and SIM card.Semiconductor manufacturing company grace intelligence Pu (NXP) announces to develop the Related product of NFC according to the standard that GSMA determines, each big mobile-phone manufacturers and SIM card manufacturer also express support for this scheme one after another simultaneously.
In scheme 1, the NFC mobile phone (is annotated: the mobile phone that refers to contain NFC module and function) and between the SIM card communicate by the SWP agreement.User's important information (as credit card account, employee's card number etc.) is stored in the SIM card safety zone.When the user changes SIM card, can take away existing transaction data, realize separation between machine and card completely.But the problem of this scheme has: except mobile phone need have the NFC module and support the SWP agreement that must use the SIM card of custom-designed support SWP agreement, for this reason, the original user SIM card just must be changed.And owing to SIM card will be issued by telecom operators, so this scheme is more favourable to telecom operators.
How to improve existing application scheme, make its more simple possible, easy to usely be easy to promote (such as, the SIM card that needs custom-designed support SWP agreement can not used, and make this scheme control and to dominate by telecom operators), become urgent problem.And described be smart card class password product and portable terminal cryptographic service module based on safety TF card by Zhengzhou Xinda Jiean Information Technology Co., Ltd.'s independent development.It is the password card that has adopted Micro SD (being TF) interface, and built-in Flash memory module can provide cryptographic service (encryption and decryption, summary, mathematics signature etc.) and safe storage for the mobile terminal of mobile telephone with TF interface.This security service module can be used in multiple intelligent terminal operating system.Described is a kind of TF smart card based on safety TF card, and it can provide safe storage, uses it can support the realization of this non-contact mobile payment terminal and method of payment.
Summary of the invention:
The objective of the invention is to overcome the deficiencies in the prior art and a kind of non-contact mobile payment terminal and method of payment that realizes under the support of safety TF card based on safety TF card and NFC technology be provided, user's TF card safe in utilization is stored important information in the NFC mobile phone, and its original common SIM card need not be changed, and safe TF card also can be purchased distribution by non-telecom operators (as bank), it can provide safe storage, use it can support the realization of this non-contact mobile payment terminal and method of payment, thereby make this NFC non-contact mobile payment method and telecom operators separate, and then the support and the use of more units widely of acquisition and mechanism, help further applying of NFC technology.
The object of the present invention is achieved like this:
A kind of non-contact mobile payment terminal based on safety TF card and NFC technology, comprise as the safe TF card of safe storage carrier being provided and in mobile terminal system, increasing by two parts of mobile payment serviced component, it is characterized in that with NFC module and function:
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is by the operation of these interface libraries realizations to safety TF card;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF, the mobile payment serviced component moves when system start-up, is the intelligent card artificial pattern by calling first assembly module with the NFC module initialization, make itself and outside Non-contact Media Reader interactive information, the mobile payment serviced component is analyzed these information, just calls user profile and the Transaction Information of second assembly module with handling safety TF card stored if necessary.
Carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating, comprising with the NFC hardware module:
1) be the intelligent card artificial pattern with the NFC module initialization, be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides, if call success, then this NFC portable terminal just successfully is modeled to a contactless card, read and write by other outside card reader, and its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card, be specially: run succeeded in previous step, after the NFC portable terminal enters the intelligent card artificial pattern, when this NFC portable terminal is received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface, in these orders and event handling interface, add sticking into calling of relevant portion in the capable mutual assembly module with safety TF, the read write command that to send from external read card device or incident are converted into the read-write operation to secure storage section in the safety TF card
3) result is returned to outside card reader, be specially: carry out the return results interface that mutual assembly module gets calling system after to the end the result with NFC module in the portable terminal, object information is returned to outside card reader by the NFC hardware module, so that finish this transaction.
Stick into the second mutual assembly module of row with safety TF and be used for the information of safe storage in the safety TF card is carried out access, comprising:
1) safe TF card initialization, be specially: before need operating the secure storage section of safety TF card, to call the initialization interface that it provides earlier, to safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safe storage operation in the safe TF card, be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section, the Information Access operation-interface of these requests by safety TF card is delivered to the smartcard processor place in the safe TF card, the parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safe storage in the safe TF card, be specially: safe TF card is finished after the Information Access operation, operating result can be sticked into the mutual assembly module of row as accessing operation request responding order just now being beamed back in the NFC mobile terminal system with safety TF, this module again result is returned to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back by the NFC hardware module.
A kind of non-contact mobile payment method based on safety TF card and NFC technology, it is characterized in that: this method of payment comprises that TF card safe in utilization is as the carrier of safe storage being provided and increasing by two steps of mobile payment serviced component in the mobile terminal system with NFC function
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, the storage user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card provides corresponding calling interface storehouse for the corresponding mobile terminal system, mobile terminal system is by the operation of these interface libraries realizations to safety TF card
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and carry out mutual two essential parts of second assembly module with safe TF card; Operation when the mobile payment serviced component starts in system; Be the intelligent card artificial pattern by calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information; Just call if necessary user profile and the Transaction Information of second assembly module to store in the handling safety TF card
Wherein, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC module, its step comprises:
1) be the intelligent card artificial pattern with the NFC module initialization, be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides, if call success, then this NFC portable terminal just successfully is modeled to a contactless card, read and write by other outside card reader, and its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card, be specially: run succeeded in previous step, after the NFC portable terminal enters the intelligent card artificial pattern, when this NFC portable terminal is received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface, in these orders and event handling interface, add sticking into calling of relevant portion in the capable mutual assembly module with safety TF, the read write command that to send from external read card device or incident are converted into the read-write operation to secure storage section in the safety TF card
3) result is returned to outside card reader, be specially: carry out the return results interface that mutual assembly module gets calling system after to the end the result with NFC module in the portable terminal, object information is returned to outside card reader by the NFC hardware module, so that finish this transaction.
Wherein, stick into the second mutual assembly module of row with safety TF and be used for the information of safe storage in the safety TF card is carried out access, its step comprises:
1) safe TF card initialization, be specially: before need operating the secure storage section of safety TF card, to call the initialization interface that it provides earlier, to safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safe storage operation in the safe TF card, be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section, the Information Access operation-interface of these requests by safety TF card is delivered to the smartcard processor place in the safe TF card, the parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safe storage in the safe TF card, be specially: in the previous step, safe TF card is finished after the Information Access operation, operating result can be sticked into the mutual assembly module of row as accessing operation request responding order just now being beamed back in the NFC mobile terminal system with safety TF, this module again result is returned to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back by the NFC hardware module.
The present invention has following good effect: the application scheme that the main acquisition of the present non-contact mobile payment based on NFC is extensively supported is the integration program of mobile phone and SIM card.In this scheme, NFC mobile phone and SIM card communicate by the SWP agreement.User's important information (as credit card account, employee's card number etc.) is stored in the SIM card safety zone.When the user changes SIM card, can take away existing transaction data, realize separation between machine and card completely.But the problem of this scheme has: except mobile phone need have the NFC module and support the SWP agreement the necessary SIM card of using custom-designed support SWP agreement.And owing to SIM card will be issued by telecom operators, so this scheme is more favourable to telecom operators.If adopt the non-contact mobile payment method that proposes among the present invention then can solve the problem described in the such scheme based on safety TF card and NFC technology, user's TF card safe in utilization is stored important information in the NFC mobile phone, and its original common SIM card does not need to change.And, safe TF card also can be purchased distribution by non-telecom operators (as bank), thereby make this NFC non-contact mobile payment method and telecom operators separate, and then the support and the use of more units widely of acquisition and mechanism, help further applying of NFC technology.
Description of drawings:
Fig. 1 is a basic synoptic diagram of the present invention.
Fig. 2 carries out mutual synoptic diagram for mobile payment serviced component of the present invention and NFC module.
Fig. 3 is that mobile payment serviced component of the present invention and safe TF stick into the mutual synoptic diagram of row.
Embodiment:
Basic synoptic diagram of the present invention the invention discloses a kind of non-contact mobile payment terminal and method of payment based on safety TF card and NFC technology as shown in Figure 1.A kind of non-contact mobile payment terminal based on safety TF card and NFC technology comprises as the safe TF card of safe storage carrier being provided and increasing by two parts of mobile payment serviced component in the mobile terminal system with NFC module and function.A kind of non-contact mobile payment method based on safety TF card and NFC technology, this method of payment comprise that TF card safe in utilization is as the carrier of safe storage being provided and increasing by two steps of mobile payment serviced component in the mobile terminal system with NFC function.
As shown in Figure 1, a kind of non-contact mobile payment terminal of the present invention based on safety TF card and NFC technology, comprise as the safe TF card of safe storage carrier being provided and in mobile terminal system, increasing by two parts of mobile payment serviced component, it is characterized in that with NFC module and function:
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is by the operation of these interface libraries realizations to safety TF card;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF, the mobile payment serviced component moves when system start-up, is the intelligent card artificial pattern by calling first assembly module with the NFC module initialization, make itself and outside Non-contact Media Reader interactive information, the mobile payment serviced component is analyzed these information, just calls user profile and the Transaction Information of second assembly module with handling safety TF card stored if necessary.
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is by the operation of these interface libraries realizations to safety TF card;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF, the mobile payment serviced component moves when system start-up, is the intelligent card artificial pattern by calling first assembly module with the NFC module initialization, make itself and outside Non-contact Media Reader interactive information, the mobile payment serviced component is analyzed these information, just calls user profile and the Transaction Information of second assembly module with handling safety TF card stored if necessary.
As shown in Figure 2, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating, comprising with the NFC hardware module:
1) be the intelligent card artificial pattern with the NFC module initialization, be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides, if call success, then this NFC portable terminal just successfully is modeled to a contactless card, read and write by other outside card reader, and its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card, be specially: run succeeded in previous step, after the NFC portable terminal enters the intelligent card artificial pattern, when this NFC portable terminal is received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface, in these orders and event handling interface, add sticking into calling of relevant portion in the capable mutual assembly module with safety TF, the read write command that to send from external read card device or incident are converted into the read-write operation to secure storage section in the safety TF card
3) result is returned to outside card reader, be specially: carry out the return results interface that mutual assembly module gets calling system after to the end the result with NFC module in the portable terminal, object information is returned to outside card reader by the NFC hardware module, so that finish this transaction.
As shown in Figure 3, stick into the second mutual assembly module of row with safety TF and be used for the information of safe storage in the safety TF card is carried out access, comprising:
1) safe TF card initialization, be specially: before need operating the secure storage section of safety TF card, to call the initialization interface that it provides earlier, to safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safe storage operation in the safe TF card, be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section, the Information Access operation-interface of these requests by safety TF card is delivered to the smartcard processor place in the safe TF card, the parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safe storage in the safe TF card, be specially: safe TF card is finished after the Information Access operation, operating result can be sticked into the mutual assembly module of row as accessing operation request responding order just now being beamed back in the NFC mobile terminal system with safety TF, this module again result is returned to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back by the NFC hardware module.
The used safe TF card of the present invention is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided.Safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is by the operation of these interface libraries realizations to safety TF card.
A kind of non-contact mobile payment method based on safety TF card and NFC technology, it is characterized in that: this method of payment comprises that TF card safe in utilization is as the carrier of safe storage being provided and increasing by two steps of mobile payment serviced component in the mobile terminal system with NFC function
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, the storage user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card provides corresponding calling interface storehouse for the corresponding mobile terminal system, mobile terminal system is by the operation of these interface libraries realizations to safety TF card
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and carry out mutual two essential parts of second assembly module with safe TF card; Operation when the mobile payment serviced component starts in system; Be the intelligent card artificial pattern by calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information; Just call if necessary user profile and the Transaction Information of second assembly module to store in the handling safety TF card
Wherein, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC module, its step comprises:
1) be the intelligent card artificial pattern with the NFC module initialization, be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides, if call success, then this NFC portable terminal just successfully is modeled to a contactless card, read and write by other outside card reader, and its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card, be specially: run succeeded in previous step, after the NFC portable terminal enters the intelligent card artificial pattern, when this NFC portable terminal is received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface, in these orders and event handling interface, add sticking into calling of relevant portion in the capable mutual assembly module with safety TF, the read write command that to send from external read card device or incident are converted into the read-write operation to secure storage section in the safety TF card
3) result is returned to outside card reader, be specially: carry out the return results interface that mutual assembly module gets calling system after to the end the result with NFC module in the portable terminal, object information is returned to outside card reader by the NFC hardware module, so that finish this transaction.
Wherein, stick into the second mutual assembly module of row with safety TF and be used for the information of safe storage in the safety TF card is carried out access, its step comprises:
1) safe TF card initialization, be specially: before need operating the secure storage section of safety TF card, to call the initialization interface that it provides earlier, to safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safe storage operation in the safe TF card, be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section, the Information Access operation-interface of these requests by safety TF card is delivered to the smartcard processor place in the safe TF card, the parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safe storage in the safe TF card, be specially: in the previous step, safe TF card is finished after the Information Access operation, operating result can be sticked into the mutual assembly module of row as accessing operation request responding order just now being beamed back in the NFC mobile terminal system with safety TF, this module again result is returned to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back by the NFC hardware module.
Claims (4)
1. non-contact mobile payment terminal based on safety TF card and NFC technology, comprise as the safe TF card of safe storage carrier being provided and in mobile terminal system, increasing by two parts of mobile payment serviced component, it is characterized in that with NFC module and function:
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is by the operation of these interface libraries realizations to safety TF card;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF, the mobile payment serviced component moves when system start-up, is the intelligent card artificial pattern by calling first assembly module with the NFC module initialization, make itself and outside Non-contact Media Reader interactive information, the mobile payment serviced component is analyzed these information, just calls user profile and the Transaction Information of second assembly module with handling safety TF card stored if necessary.
2. the non-contact mobile payment terminal based on safety TF card and NFC technology according to claim 1 is characterized in that: carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC hardware module, comprising:
1) be the intelligent card artificial pattern with the NFC module initialization, be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides, if call success, then this NFC portable terminal just successfully is modeled to a contactless card, read and write by other outside card reader, and its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card, be specially: run succeeded in previous step, after the NFC portable terminal enters the intelligent card artificial pattern, when this NFC portable terminal is received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface, in these orders and event handling interface, add sticking into calling of relevant portion in the capable mutual assembly module with safety TF, the read write command that to send from external read card device or incident are converted into the read-write operation to secure storage section in the safety TF card
3) result is returned to outside card reader, be specially: carry out the return results interface that mutual assembly module gets calling system after to the end the result with NFC module in the portable terminal, object information is returned to outside card reader by the NFC hardware module, so that finish this transaction.
3. the non-contact mobile payment terminal based on safety TF card and NFC technology according to claim 1 is characterized in that:
Stick into the second mutual assembly module of row with safety TF and be used for the information of safe storage in the safety TF card is carried out access, comprising:
1) safe TF card initialization, be specially: before need operating the secure storage section of safety TF card, to call the initialization interface that it provides earlier, to safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safe storage operation in the safe TF card, be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section, the Information Access operation-interface of these requests by safety TF card is delivered to the smartcard processor place in the safe TF card, the parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safe storage in the safe TF card, be specially: safe TF card is finished after the Information Access operation, operating result can be sticked into the mutual assembly module of row as accessing operation request responding order just now being beamed back in the NFC mobile terminal system with safety TF, this module again result is returned to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back by the NFC hardware module.
4. non-contact mobile payment method based on safety TF card and NFC technology, it is characterized in that: this method of payment comprises that TF card safe in utilization is as the carrier of safe storage being provided and increasing by two steps of mobile payment serviced component in the mobile terminal system with NFC function
Described safe TF card is a kind of safe and intelligent TF card class password product, safe and intelligent TF card is selected crypto chip for use, SD controller and Flash also are packaged together, the interface packing forms of safe and intelligent TF card is TF, safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, the storage user certificate, be used for user identity identification, the safe storage of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided, safe TF card provides corresponding calling interface storehouse for the corresponding mobile terminal system, mobile terminal system is by the operation of these interface libraries realizations to safety TF card
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and carry out mutual two essential parts of second assembly module with safe TF card; Operation when the mobile payment serviced component starts in system; Be the intelligent card artificial pattern by calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information; Just call if necessary user profile and the Transaction Information of second assembly module to store in the handling safety TF card
Wherein, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC module, its step comprises:
1) be the intelligent card artificial pattern with the NFC module initialization, be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides, if call success, then this NFC portable terminal just successfully is modeled to a contactless card, read and write by other outside card reader, and its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card, be specially: run succeeded in previous step, after the NFC portable terminal enters the intelligent card artificial pattern, when this NFC portable terminal is received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface, in these orders and event handling interface, add sticking into calling of relevant portion in the capable mutual assembly module with safety TF, the read write command that to send from external read card device or incident are converted into the read-write operation to secure storage section in the safety TF card
3) result is returned to outside card reader, be specially: carry out the return results interface that mutual assembly module gets calling system after to the end the result with NFC module in the portable terminal, object information is returned to outside card reader by the NFC hardware module, so that finish this transaction.
Wherein, stick into the second mutual assembly module of row with safety TF and be used for the information of safe storage in the safety TF card is carried out access, its step comprises:
1) safe TF card initialization, be specially: before need operating the secure storage section of safety TF card, to call the initialization interface that it provides earlier, to safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safe storage operation in the safe TF card, be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section, the Information Access operation-interface of these requests by safety TF card is delivered to the smartcard processor place in the safe TF card, the parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safe storage in the safe TF card, be specially: in the previous step, safe TF card is finished after the Information Access operation, operating result can be sticked into the mutual assembly module of row as accessing operation request responding order just now being beamed back in the NFC mobile terminal system with safety TF, this module again result is returned to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back by the NFC hardware module.
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Denomination of invention: A non-contact mobile payment terminal and payment method based on secure TF card and NFC technology Effective date of registration: 20230412 Granted publication date: 20120822 Pledgee: China Construction Bank Corporation Zhengzhou Jinshui sub branch Pledgor: ZHENGZHOU XINDA JIEAN INFORMATION TECHNOLOGY Co.,Ltd. Registration number: Y2023980037751 |