CN103186873A - Radio frequency IC card, mobile terminal and bank card service system - Google Patents
Radio frequency IC card, mobile terminal and bank card service system Download PDFInfo
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- CN103186873A CN103186873A CN2011104595760A CN201110459576A CN103186873A CN 103186873 A CN103186873 A CN 103186873A CN 2011104595760 A CN2011104595760 A CN 2011104595760A CN 201110459576 A CN201110459576 A CN 201110459576A CN 103186873 A CN103186873 A CN 103186873A
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Abstract
The invention discloses a radio frequency IC card, a mobile terminal and a bank card service system. According to the radio frequency IC card, the mobile terminal and the bank card service system, bank card information is stored in the radio frequency IC card, service information interaction between the radio frequency IC card and a bank card service center is achieved by means of the telecommunication and close identification technique, and the radio frequency IC card can be further integrated into the mobile terminal. According to the radio frequency IC card, the mobile terminal and the bank card service system, wide applicability and necessity characteristics and favorable software and hardware environment of the mobile terminal are fully utilized to solve certain service restriction and experience problems of users, and safety is improved at the same time.
Description
Technical field
The present invention relates to a kind of REID, particularly relate to a kind of mobile payment technology based on radio-frequency (RF) identification.
Background technology
Developing rapidly of electronic banking changes modern popular consumption pattern and consumption idea, and people's economic activity on ordinary days not only has been confined to money transaction.Many electrical type business such as bank card, Net silver, Mobile banking emerge in an endless stream.On the other hand, not merely there is it in the continuous leap of portable terminal technology such as mobile phone as a kind of means of communication, and the research staff of each big cell-phone giant and operator is sparing no effort to drop in the middle of various novel mobile phone businesses, the function development.Just under such trend, mobile-phone payment arises at the historic moment as a kind of brand-new modes of payments, and the development trend of the positive leader's ecommerce of its plurality of advantages and wireless financal more and more is subjected to consumer's favor.
Radio-frequency (RF) identification is RFID (Radio Frequency Identification) technology, claim electronic tag, radio frequency identification again, it is a kind of communication technology, can identify specific objective and read and write related data by radio signals, and need not to set up machinery between recognition system and the specific objective or optics contacts, in daily life, its application is very extensive.At present more existing be applied to pay by mails the technology of class business, the electronic entrance ticket of knowing such as us, city all-purpose card, colleges and universities' all-purpose card etc.Application in the future that it serves to show this technology will be more extensive.
Applying in radio frequency identification is constantly progressive in the technology of mobile-phone payment, and bank card class business also just is being flooded with each corner of people's life.Yet in the existing technology, there are problems such as security and hair fastener be single in pure magnetic track formula bank card, some in particular cases can the person of curbing consumption use.And based on the mobile banking service of WAP (wireless application protocol), adopt the WAP mode to login website of bank and carry out financial transaction, this just requires to ensure that cordless communication network is communicated with.Though other adopt the technology of near field modes of payments binding bank card to solve subproblem, but still have some shortcomings, such as binding a card, needing to increase auxiliary equipment to finish this function etc.
Summary of the invention
The technical matters that the present invention solves is to propose a kind of radio-frequency (RF) IC card, portable terminal and bank card business system, the fusion of magnetic track formula bank card and REID can be realized replacing existing magnetic track formula bank card to realize bank card business by portable terminal.
The present invention proposes a kind of radio-frequency (RF) IC card, comprising: bank card information storage unit, radio frequency communications unit and IC unit; Described radio frequency communications unit is used for obtaining bank card information by described bank card information storage unit, and passes through closely recognition method realization bank card business; Described IC unit is used for obtaining bank card information by described bank card information storage unit, and realizes bank card business by the telecommunication mode.
Further, the bank card information of storing in the described bank card information storage unit is the magnetic track information of at least one bank card.
Further, the communication frequency of the closely recognition method of described radio frequency communications unit is 2.4GHz.
Further, described IC unit is a SIM unit, and a described SIM unit realizes that bank card business with the telecommunication mode that adopts is: based on the communication of a described SIM unit.
Further, described IC unit is the SD unit, and described SD unit realizes that the telecommunication mode that bank card business adopts is: based on the communication of the 2nd SIM unit of the portable terminal that is inserted into described radio-frequency (RF) IC card.
The invention allows for a kind of portable terminal, comprise terminal called module and above-mentioned radio-frequency (RF) IC card; Described radio-frequency (RF) IC card is used for realizing bank card business by described terminal called module in the telecommunication mode; Described radio-frequency (RF) IC card also is used for passing through closely, and recognition method realizes bank card business.
Further, described portable terminal also comprises human and machine interface unit, and described human and machine interface unit be used for to realize the conversion of man-machine interface information and bank card business information, and with described terminal called module or radio-frequency (RF) IC card interactive information.
The present invention has proposed a kind of bank card business system again, comprising: bank card affair center and as above-mentioned portable terminal; Described bank card affair center is by the terminal called module interactive service information in telecommunication mode and the described portable terminal; Described bank card affair center is by the radio-frequency (RF) IC card interactive service information in recognition method closely and the described portable terminal.
Further, described bank card affair center comprises card affair server, and described card affair server is by the terminal called module interactive service information in telecommunication mode and the described portable terminal.
Further, described bank card affair center comprises card affair service terminal, and described card affair service terminal is by the radio-frequency (RF) IC card interactive service information in recognition method closely and the described portable terminal.
The present invention compared with prior art advantage is:
(1) adopt radio-frequency (RF) IC card to substitute bank card, when portable terminal that radio-frequency (RF) IC card is packed into, portable terminal just can substitute bank card, take full advantage of portable terminal broad applicability and indispensability characteristics, with and good hardware environment, solve some use restriction and experience problems of user, improved security simultaneously;
(2) mode of employing near field and far field combination for the requirement of cordless communication network condition, has realized terminal electronic commercial affairs and wireless financal function when having solved merely based on WAP (wireless application protocol), makes it have more integrality and reliability;
(3) adopt the stagewise man-machine interface to carry out service management, take full advantage of the advantageous feature of terminal device, and consider user's operational requirements, make it possess superior operability and interactivity;
(4) adopt classification of banks registration management mode, realized the management mode of the many accounts of multi-bank, solve the drawback that some technology can only be bound a card, improved professional spreadability;
(5) the present invention only needs terminal to change radio-frequency (RF) IC card, and required application software is installed get final product, needing to avoid the increase auxiliary equipment to finish the complicated procedures of this function, has stronger operability and maintainability.
Description of drawings
Fig. 1 is the radio-frequency (RF) IC card structural representation that one embodiment of the present invention provides;
Fig. 2 is the bank card business system works schematic diagram that one embodiment of the present invention provides;
Fig. 3 is the bank card business system architecture synoptic diagram of the band man-machine interface that provides of one embodiment of the present invention;
Fig. 4 is the business processing interface synoptic diagram that one embodiment of the present invention provides.
Embodiment
Below in conjunction with accompanying drawing, and by specific embodiment realization of the present invention is elaborated.
As shown in Figure 1, the radio-frequency (RF) IC card structure that one embodiment of the present invention provides comprises in the radio-frequency (RF) IC card: bank card information storage unit 121, radio frequency communications unit 122, IC unit 123.Radio frequency communications unit 122 is used for obtaining bank card information by bank card information storage unit 121, and passes through closely recognition method realization bank card business.IC unit 123 is used for obtaining bank card information by bank card information storage unit 121, and realizes bank card business by the telecommunication mode.In addition, can also communicate between radio frequency communications unit 122 and the IC unit 123, realize the application of professional multi-access mode.In bank card information storage unit 121, can store the magnetic track information of many bank cards.
In one embodiment, the communication frequency of the closely recognition method of radio frequency communications unit 122 is 2.4GHz, can certainly adopt other communication frequency to realize short-range communication.
When the IC unit was a SIM unit, radio-frequency (RF) IC card became radio-frequency SIM card, and a SIM unit realizes that bank card business with the telecommunication mode that adopts is: based on the communication of a SIM unit, for example: GPRS, 3G cordless communication network etc.
When the IC unit is the SD unit, radio-frequency (RF) IC card becomes radio frequency SD card, the SD unit realizes that the telecommunication mode that bank card business adopts is: based on the communication of the 2nd SIM unit of the portable terminal that is inserted into radio frequency SD card, for example: GPRS, 3G cordless communication network etc.
As shown in Figure 2, the principle of work of the bank card business system that provides of one embodiment of the present invention.The bank card business system comprises: portable terminal 1 and bank card affair center 2.Can realize that two kinds communicate to connect between portable terminal 1 and the bank card affair center 2: telecommunication and closely identification.Wherein be provided with terminal called module 11 and radio-frequency (RF) IC card 12 in the portable terminal 1.Radio-frequency (RF) IC card 12 is used for realizing bank card business by terminal called module 11 in the telecommunication mode that radio-frequency (RF) IC card 12 also is used for passing through closely, and recognition method realizes bank card business.Radio-frequency (RF) IC card 12 can adopt structure shown in Figure 1.Be provided with card affair server 21 and card affair service terminal 22 in the bank card affair center 2.Card affair server 21 is by the terminal called module 11 interactive service information in telecommunication mode and the portable terminal 1.Card affair service terminal 22 is by the radio-frequency (RF) IC card 12 interactive service information in closely recognition method and the portable terminal 1.Card affair service terminal 22 is for being arranged on POS terminal or the ATM terminal of bank or businessman, and card affair server 21 operated by rotary motion are in bank.Above-mentioned telecommunication mode can adopt voice or the digital communication mode based on cordless communication network, for example: utilize GPRS, 3G network to realize telecommunications such as text, numeral or voice.
As shown in Figure 3, the bank card business system architecture of the band man-machine interface that provides of one embodiment of the present invention.Increase human and machine interface unit 13 in portable terminal 1 side, be used for realizing the conversion of man-machine interface information and bank card business information, and with terminal called module 11 or radio-frequency (RF) IC card 12 interactive information.In the present embodiment, human and machine interface unit comprises three grades of interfaces: application icon interface, sort operation interface and business processing interface; Described application icon interface is highest interface, and described sort operation interface is the intergrade interface, and described business processing interface is the lowermost level interface.The application icon interface can be the IC application menu interface of portable terminal, can increase " Bank Card " icon therein, when selecting this icon, then enters the intergrade interface: the sort operation interface.A plurality of business module options are set in the sort operation interface, for example: classification of banks registration, account management, in real time payment function, deposit and withdraw, Mobile banking etc.Enter the lowermost level interface behind the selection business module: the business processing interface.Be illustrated in figure 4 as the business processing interface of classification of banks registration, a plurality of corresponding service option of operation are set in this interface, for example: the tabulation of registration bank, deletion registration bank, add registration bank, newly-built and return etc.After selecting the business operation option, human and machine interface unit can convert operational order to bank card business information and carry out interaction process by portable terminal 1 and bank card affair center 2 by far and near dual mode.
In sum, the present invention is directed to popularizing rapidly of bank card class business instantly, it certainly exists problems such as some technology and user's experience, security and the single problem of hair fastener such as the hair fastener existence, often need to carry the hand-held card that a plurality of banks issue such as the user, this causes the user to use inconvenience easily, during more urgent or emergency case.According to constantly the improving and become stronger day by day of current mobile terminal function and hardware environment, adopt portable terminal to substitute the mode of bank card in conjunction with REID, to solve the above-mentioned various drawbacks that exist.
The above embodiment; it only is preferred embodiments of the present invention; be not for limiting protection scope of the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace or improvement etc., all should be included within protection scope of the present invention.
Claims (10)
1. a radio-frequency (RF) IC card comprises: bank card information storage unit, radio frequency communications unit and IC unit; Described radio frequency communications unit is used for obtaining bank card information by described bank card information storage unit, and passes through closely recognition method realization bank card business; Described IC unit is used for obtaining bank card information by described bank card information storage unit, and realizes bank card business by the telecommunication mode.
2. radio-frequency (RF) IC card according to claim 1 is characterized in that, the bank card information of storing in the described bank card information storage unit is the magnetic track information of at least one bank card.
3. radio-frequency (RF) IC card according to claim 1 and 2 is characterized in that, the communication frequency of the closely recognition method of described radio frequency communications unit is 2.4GHz.
4. radio-frequency (RF) IC card according to claim 3 is characterized in that, described IC unit is a SIM unit, and a described SIM unit realizes that bank card business with the telecommunication mode that adopts is: based on the communication of a described SIM unit.
5. radio-frequency (RF) IC card according to claim 3, described IC unit is the SD unit, described SD unit realizes that the telecommunication mode that bank card business adopts is: based on the communication of the 2nd SIM unit of the portable terminal that is inserted into described radio-frequency (RF) IC card.
6. portable terminal comprises the terminal called module and as each described radio-frequency (RF) IC card of claim 1-5; Described radio-frequency (RF) IC card is used for realizing bank card business by described terminal called module in the telecommunication mode; Described radio-frequency (RF) IC card also is used for passing through closely, and recognition method realizes bank card business.
7. portable terminal according to claim 6, it is characterized in that, described portable terminal also comprises human and machine interface unit, and described human and machine interface unit be used for to realize the conversion of man-machine interface information and bank card business information, and with described terminal called module or radio-frequency SIM card interactive information.
8. bank card business system comprises: bank card affair center and as each described portable terminal of claim 6-8; Described bank card affair center is by the terminal called module interactive service information in telecommunication mode and the described portable terminal; Described bank card affair center is by the radio-frequency (RF) IC card interactive service information in recognition method closely and the described portable terminal.
9. banking system according to claim 8 is characterized in that, described bank card affair center comprises card affair server, and described card affair server is by the terminal called module interactive service information in telecommunication mode and the described portable terminal.
10. banking system according to claim 8 is characterized in that, described bank card affair center comprises card affair service terminal, and described card affair service terminal is by the radio-frequency (RF) IC card interactive service information in recognition method closely and the described portable terminal.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011104595760A CN103186873A (en) | 2011-12-31 | 2011-12-31 | Radio frequency IC card, mobile terminal and bank card service system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2011104595760A CN103186873A (en) | 2011-12-31 | 2011-12-31 | Radio frequency IC card, mobile terminal and bank card service system |
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| CN103186873A true CN103186873A (en) | 2013-07-03 |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104992327A (en) * | 2015-06-25 | 2015-10-21 | 苏州木兰电子科技有限公司 | RFID-SIM-based mobile phone-associated bank self-service terminal system |
| CN111106933A (en) * | 2018-10-28 | 2020-05-05 | 支录奎 | Mobile phone type banking operation control system |
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| CN102195120A (en) * | 2010-03-16 | 2011-09-21 | 国民技术股份有限公司 | RF (radio frequency) IC (integrated circuit) card |
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Application publication date: 20130703 |