CN102693480A - Mobile terminal with read card function and mobile terminal payment method - Google Patents
Mobile terminal with read card function and mobile terminal payment method Download PDFInfo
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- CN102693480A CN102693480A CN2012101467619A CN201210146761A CN102693480A CN 102693480 A CN102693480 A CN 102693480A CN 2012101467619 A CN2012101467619 A CN 2012101467619A CN 201210146761 A CN201210146761 A CN 201210146761A CN 102693480 A CN102693480 A CN 102693480A
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- card
- portable terminal
- smart card
- mobile terminal
- bank
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Abstract
The invention discloses a mobile terminal with a read card function for reading intelligent card information. The mobile terminal is characterized in that: an intelligent card read module is disposed in the terminal, connected with a processor on a general mobile terminal platform by a COM and processes read-write operation to intelligent cards. Users can read the intelligent card held by themselves via the mobile terminal with the read card function with increasing of intelligent card circulation, thereby the problem of USB key use inconvenience is solved.
Description
Technical field
The present invention relates to a kind of method that has the portable terminal of card-reading function and utilize this portable terminal to pay.
Background technology
Along with Development of E-business, online transaction and more and more universal, therefore, also increasingly high to the security requirement of network trading.Each big bank has released the security that various U-key guarantee internet bank trade one after another.
Existing way has following shortcoming:
(1): be inconvenient to carry: all there is the U-key of oneself in each bank, need carry a plurality of U-key, inconvenience when going out;
(2): PC must be arranged, could use U-key to carry out safe online transaction;
(3): the U-Key cost is higher than common smart card, and bank also need issue U-Key when sending out smart card, has increased operation and maintenance cost;
The bank card medium was in from the stage of magnetic stripe card to the smart card transition at present; Magnetic stripe card does not possess security feature; And smart card itself possesses security feature from principle, can support functions such as safety identification authentication and digital signature, makes bank intelligent card possess the function of U shield fully; Can be used in the network on-line payment, but at present a lot of portable terminal does not support to read and write the function of smart card.
Summary of the invention
The purpose of this invention is to provide a kind of portable terminal that possesses card-reading function, can be through information in the wired or wireless mode direct read smart card, thus solve the problem that portable terminal can not be read and write smart card.
For achieving the above object; The present invention adopts following technical scheme: a kind of portable terminal with card-reading function; In order to read smart card information, it is characterized in that, be provided with the smart card reader module in the said terminal; This card reading module is connected to through COM on the processor of general mobile terminal platform, and smart card is carried out read-write operation.
Especially, this card reading module comprises the contact intelligent card seat, and the contact intelligent card control chip reaches the application specific processor that electrically connects with said contact intelligent card control chip, and smart card carries out communication through ISO7816 interface and said card reading module.
Especially, radio-frequency card control chip that said card reading module comprises radio-frequency antenna, be connected with radio-frequency antenna and the application specific processor that is connected with said radio-frequency card control chip, said card reading module is passed through radio-frequency antenna and is read and write smart card.
Especially, said smart card is a bank card, has holder's accounts information.
Especially, said card reading module also comprises the Card Reader firmware, is used for accepting the order of the processor of general mobile terminal platform, and realizes the read-write operation to smart card.
Especially, said intelligent cards length is greater than the deck degree of depth, and said intelligent cards electrically connects through communication contact and said intelligent deck.
Especially, be provided with storer in the said portable terminal, in order to store the driver of this card reading module.
The present invention also discloses a kind of mobile terminal payment method, uses the above-mentioned portable terminal with card-reading function, it is characterized in that this method may further comprise the steps:
S1. at host side operation Web bank client software;
S2. move the U-key assembly in the portable terminal, and read the digital certificate and the private key of storing in the smart card that are used to discern user identity, and said smart card possesses the logical encrypt calculation function through portable terminal;
S2. above-mentioned information is sent to above-mentioned main frame;
The S3 main frame is sent to Web bank's server with above-mentioned information, utilizes smart card logical encrypt calculation function, and whether identifying user identity is legal between server and smart card, and said Web bank server end stores server certificate and privacy key;
S4. if validated user, then Web bank lands success, sends a transaction request information through this main frame to bank's platform of correspondence; If the checking result is illegal among the step S4, then finish;
S5. bank's platform is handled transaction request information, and returns result.
Especially, said smart card is a bank card.
Especially, said portable terminal is mobile phone or panel computer or POS machine.
Beneficial effect:
Along with the increase of smart card circulation, the user if through this portable terminal with card-reading function with regard to the read-write smart card of holding, thereby solve the problem that portable terminal does not support to read and write smart card, expanded the application of portable terminal; While mobile terminal payment method disclosed by the invention; The function of existing U shield is implanted in the smart card; Read information in the smart card through portable terminal, realize, accomplish network bank business based function thereby substitute the U shield to subscriber authentication; Reduce issued by banks and operation cost, and improved the convenience that the user uses.
Description of drawings
Shown in Figure 1 is the principle assumption diagram of the portable terminal with card-reading function of the embodiment of the invention;
Shown in Figure 2 is card reading module theory diagram in the portable terminal with card-reading function of the embodiment of the invention;
Shown in Figure 3 is the mobile terminal payment method flow diagram of the embodiment of the invention.
Embodiment
By specifying technology contents of the present invention, structural attitude, realized purpose and effect, give explanation below in conjunction with embodiment and conjunction with figs. are detailed.
Portable terminal among the following embodiment is example with the mobile phone, the portable terminal with card-reading function is elaborated, but is not limited thereto, and portable terminal can also comprise panel computer, POS machine etc.
See also Fig. 1; A kind of mobile phone with card-reading function; In order to the read-write smart card information, be provided with the smart card reader module in the said terminal, the store memory of this portable terminal contains the driver of this card reading module; This card reading module is connected to through COM on the processor of general mobile terminal platform, and smart card is carried out read-write operation.
As an embodiment, above-mentioned card reading module comprises the contact intelligent card seat, and the contact intelligent card control chip reaches the application specific processor that electrically connects with said contact intelligent card control chip, and smart card carries out communication through ISO7816 interface and said card reading module.
This mobile phone itself has application processor, is used for being responsible for accomplishing the required various functions of mobile phone, and the relevant various peripheral hardwares of control mobile phone, comprising: demonstration, button/touch, storer, wireless module, camera, WIFI/ bluetooth etc.In addition, application processor through with the application specific processor communication, let the application program moved on the application processor can the operative intelligence card; Above-mentioned application specific processor is according to the application processor requirement, accomplishes contact and contact type intelligent card are operated, and the result is turned back to application processor.Application specific processor is accomplished the operation to contact intelligent card through contact intelligent card control chip and deck.The contact intelligent card control chip is through deck, connects contact intelligent card with the ISO7816 interface, and it is responsible for encapsulating hardware hardware time order and bottom communications protocol, thereby reduces the workload of moving firmware on the application specific processor and to the dependence of sequential.
In the present embodiment, intelligent cards length is greater than the deck degree of depth, and said intelligent cards electrically connects through communication contact and said intelligent deck.
Certainly, above-mentioned card reading module also can read contact type intelligent card, the radio-frequency card control chip that this card reading module comprises radio-frequency antenna, be connected with radio-frequency antenna, and the application specific processor that is connected with said radio-frequency card control card chip.The radio-frequency card control chip passes through radio-frequency antenna; With ISO14443 A&B interface and contact type intelligent card communication; It is responsible for the contact type intelligent card communication data is carried out the rf modulations demodulation; And the packaging bottom layer communications protocol, thereby can reduce on the application specific processor workload of operation firmware and to the dependence of sequential.
Because bank gradually adopts smart card at present, so above-mentioned smart card can be a bank card also, has holder's accounts information.
To sum up; The present invention is based on the general mobile phone platform and improves, and adds a card reading module, and this card reading module is a hardware module that is embedded in the terminal; Be connected on the processor of general mobile phone platform the visit of can achieve a butt joint touch or contact type intelligent card through COM.
Please refer to Fig. 2, in the Card Reader hardware module, store the Card Reader firmware, be used for receiving the order of the processor of general mobile phone platform, back response, and the operation of the touch/contact type intelligent card that achieves a butt joint.On the general mobile phone platform, relevant bottom software module is also arranged, be used to realize the communication with card reading module, thereby the access interface to these contact intelligent cards and contact type intelligent card be provided for the mobile phone end application program.
In this embodiment, mobile phone has been realized the function of card reader, and through reading the smart card of various interface, support comprises the embedded application payment of smart card and uses based on the payment of client software.
Please refer to Fig. 3, use the process flow diagram of the embodiment that mobile phone pays for the present invention.This method of payment also relates to the bank intelligent card that possesses logical encrypt calculation function and store digital certificate function; Store the digital certificate and the private key that are used to discern user identity in this smart card, client software is installed and has the main frame of wireless communication function and bank's plateform system that can carry out network service with main frame.This method of payment may further comprise the steps:
S1. at host side operation Web bank client software;
S2. move the U-key assembly in the portable terminal, and read the digital certificate and the private key of storing in the smart card that are used to discern user identity, and said smart card possesses the logical encrypt calculation function through portable terminal;
S2. above-mentioned information is sent to above-mentioned main frame;
The S3 main frame is sent to Web bank's server with above-mentioned information, utilizes smart card logical encrypt calculation function, and whether identifying user identity is legal between server and smart card, and said Web bank server end stores server certificate and privacy key;
S4. if validated user, then Web bank lands success, sends a transaction request information through this main frame to bank's platform of correspondence; If the checking result is illegal among the step S4, then finish;
S5. bank's platform is handled transaction request information, and returns result.
The present invention has the following advantages:
Smart card is follow-up to be moved with EMV; To progressively substitute the conventional magnetic stripe card, so subsequent banks will issue a large amount of financial smart cards, on original fiscard function basis as the main flow financial card application; Deposit client's digital certificate and private key; Utilize the logical encrypt calculation function of smart card, add the smart card advantages of small volume, smart card will substitute USB KEY function gradually.
Prior USB KEY small product size and power consumption are big, also need extra USB interface, casing etc.; Production cost is high; And smart card is ripe because of process chip volume lesser calorie sheet process technology, and the plastic body processing cost is low, can make the intelligent card chip price more excellent than USB KEY module.
Because bank generally can issue smart card as fiscard to the client; Only on former financial smart card basis; Increase the storage and the software interface of digital certificate again, need not to repeat again to issue USB KEY, reduce the issuing working amount of bank; And the Material Cost of saving needs distribution USB KEY, human cost, handling cost etc., and finally save user's cost.
The above is merely embodiments of the invention; Be not so limit claim of the present invention; Every equivalent structure or equivalent flow process conversion that utilizes instructions of the present invention and accompanying drawing content to be done; Or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.
Claims (10)
1. portable terminal with card-reading function; In order to the read-write smart card information, it is characterized in that, be provided with the smart card reader module in the said portable terminal; This card reading module is connected to through COM on the processor of general mobile terminal platform, and smart card is carried out read-write operation.
2. the portable terminal with card-reading function according to claim 1; It is characterized in that; This card reading module comprises the contact intelligent card seat; The contact intelligent card control chip reaches the application specific processor that electrically connects with said contact intelligent card control chip, and smart card carries out communication through ISO7816 interface and said card reading module.
3. the portable terminal with card-reading function according to claim 1; It is characterized in that; Radio-frequency card control chip that said card reading module comprises radio-frequency antenna, be connected with radio-frequency antenna and the application specific processor that is connected with said radio-frequency card control chip, said card reading module pass through radio-frequency antenna and read and write smart card.
4. the portable terminal with card-reading function according to claim 1 is characterized in that said smart card is a bank card, has holder's accounts information.
5. the portable terminal with card-reading function according to claim 1 is characterized in that said card reading module also comprises the Card Reader firmware, is used for accepting the order of the processor of general mobile terminal platform, and realizes the read-write operation to smart card.
6. the portable terminal with card-reading function according to claim 2 is characterized in that, said intelligent cards length is greater than the deck degree of depth, and said intelligent cards electrically connects through communication contact and said intelligent deck.
7. the portable terminal with card-reading function according to claim 1 is characterized in that, is provided with storer in the said portable terminal, in order to store the driver of this card reading module.
8. mobile terminal payment method, application rights requires each described portable terminal with card-reading function among the 1-6, it is characterized in that this method may further comprise the steps:
S1. at host side operation Web bank client software;
S2. move the U-key assembly in the portable terminal, and read the digital certificate and the private key of storing in the smart card that are used to discern user identity, and said smart card possesses the logical encrypt calculation function through portable terminal;
S2. above-mentioned information is sent to above-mentioned main frame;
The S3 main frame is sent to Web bank's server with above-mentioned information, utilizes smart card logical encrypt calculation function, and whether identifying user identity is legal between server and smart card, and said Web bank server end stores server certificate and privacy key;
S4. if validated user, then Web bank lands success, sends a transaction request information through this main frame to bank's platform of correspondence; If the checking result is illegal among the step S4, then finish;
S5. bank's platform is handled transaction request information, and returns result.
9. mobile terminal payment method according to claim 8 is characterized in that, said smart card is a bank card.
10. a kind of mobile terminal payment method according to claim 8 is characterized in that, said portable terminal is mobile phone or panel computer or POS machine.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210146761.9A CN102693480B (en) | 2012-05-11 | 2012-05-11 | Mobile terminal with read card function and mobile terminal payment method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201210146761.9A CN102693480B (en) | 2012-05-11 | 2012-05-11 | Mobile terminal with read card function and mobile terminal payment method |
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| CN102693480A true CN102693480A (en) | 2012-09-26 |
| CN102693480B CN102693480B (en) | 2015-06-17 |
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| CN104408359A (en) * | 2014-10-29 | 2015-03-11 | 新奥科技发展有限公司 | Intelligent card and online safety control method thereof |
| WO2017076277A1 (en) * | 2015-11-03 | 2017-05-11 | 国民技术股份有限公司 | Communication card e-bank key and functioning method thereof |
| CN108763979A (en) * | 2018-05-15 | 2018-11-06 | 苏州澄怀科技有限公司 | A kind of system and method that card application is written to smart card by mobile terminal |
| CN109993013A (en) * | 2019-04-08 | 2019-07-09 | 深圳市德卡科技股份有限公司 | Dual chip intellective IC card card reader and IC card card reading method |
| CN112309056A (en) * | 2019-07-26 | 2021-02-02 | 克拉华网络公司 | Advanced hardware system for self-service checkout kiosk |
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|---|---|
| CN102693480B (en) | 2015-06-17 |
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