CN107229962A - A kind of universal smart card based on mobile terminal - Google Patents

A kind of universal smart card based on mobile terminal Download PDF

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Publication number
CN107229962A
CN107229962A CN201710532757.9A CN201710532757A CN107229962A CN 107229962 A CN107229962 A CN 107229962A CN 201710532757 A CN201710532757 A CN 201710532757A CN 107229962 A CN107229962 A CN 107229962A
Authority
CN
China
Prior art keywords
mobile terminal
file
smart card
nfc
payment
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201710532757.9A
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Chinese (zh)
Inventor
朱晓东
邓俊雄
阮昊
彭舒迪
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shanghai Zhikun Semiconductor Co Ltd
ZHI KUN (JIANGSU) SEMICONDUCTOR Co Ltd
Original Assignee
Shanghai Zhikun Semiconductor Co Ltd
ZHI KUN (JIANGSU) SEMICONDUCTOR Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shanghai Zhikun Semiconductor Co Ltd, ZHI KUN (JIANGSU) SEMICONDUCTOR Co Ltd filed Critical Shanghai Zhikun Semiconductor Co Ltd
Priority to CN201710532757.9A priority Critical patent/CN107229962A/en
Publication of CN107229962A publication Critical patent/CN107229962A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card

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  • Engineering & Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

The invention discloses a kind of universal smart card based on mobile terminal, including NFC processors, memory, digital baseband circuit, radio circuit and security module, the security module is used to enter line command between the NFC processors and data are interacted, and safe encryption is carried out to data, NFC processors are interacted by carrying out secure data between digital baseband, radio frequency unit, antenna and card reader, complete authentication and payment function;Wherein, the payment system file relevant with paying application is loaded with NFC processors, the system file is in a kind of tree structure that can be accessed by bibliographic structure, the root node of tree structure is the master file of description payment system environment and the constituent instruments of description payment system environment indices, root node inferior division is the various user profile and control information file that branch into the means of payment under the catalogue file of multiple means of payment, the catalogue file of each means of payment.The present invention can realize one card for multiple uses.

Description

A kind of universal smart card based on mobile terminal
Technical field
The present invention relates to smart card techniques, more particularly to a kind of universal smart card based on mobile terminal.
Background technology
With convenience is taken because smart card has, using the simple, characteristic such as flexible, therefore in finance, telecommunications, public thing safely The industries such as industry, medical treatment are widely applied, and are very easy to daily life.All trades and professions are in order to improve competition Power, all issues various exclusive smart cards, the lasting Final of this situation cause user to hold substantial amounts of card, to card pipe one after another Reason is chaotic, seriously hinders the popularization of smart card.
On the other hand, opened rapidly as the mobile payment market relied on using intelligent terminal and mobile network.Near-field communication is made For a kind of new wireless communication technology, more conform to for intelligent requirements very high today, and with low cost, conveniently The features such as easy-to-use, richer intuitive.Near-field communication (Near Field Communication, NFC), also known as near radio lead to Letter, is a kind of short-range high frequency wireless communication technology, it is allowed to contactless Point-to-Point Data Transmission is carried out between electronic equipment (in ten centimetres) exchange data.This technology is developed by contact-free formula RF identification (RFID), and backward compatible RFID, Each succeeded in developing by Sony and Philips earliest, be mainly used in the handheld devices such as mobile phone providing M2M (Machine to Machine communication).Because near-field communication has natural security, therefore, NFC technique is considered as leading in mobile-phone payment etc. Domain has great application prospect.NFC chip is that have to be in communication with each other function, and with computing capability, in Felica standards Also contain encryption logic, MIFARE later stage standard has also added encrypting-decrypting module (SAM).The compatible rope of NFC standard The FeliCaTM standards of Buddhist nun company, and ISO 14443 A, B, that is, use the MIFARE standards of Philip.It is in the industry cycle simple Referred to as TypeA, TypeB and TypeF, wherein A, B are Mifare standards, and F is Felica standards.
The content of the invention
Goal of the invention:There is provided a kind of universal intelligent based on mobile terminal for the problem of present invention exists for prior art Card, it is hand-held that the smart card with difference in functionality that can issue different industries concentrates on the few users of , Yi Minus on a nfc card piece Number of cards, facilitate user management and routine use.
Technical scheme:Universal smart card of the present invention based on mobile terminal, including NFC processors, memory, number Word baseband circuit, radio circuit and security module, the NFC processors, digital baseband circuit and radio circuit are sequentially connected, institute State memory and security module and connect the NFC processors respectively, the radio circuit connects the antenna of mobile terminal;The peace Full module is used to enter line command between the NFC processors and data are interacted, and carries out safe encryption, NFC processing to data Device is interacted by carrying out secure data between digital baseband, radio frequency unit, antenna and card reader, is completed authentication and is paid work( Energy;Wherein, the payment system file relevant with paying application is loaded with NFC processors, the system file can pass through in one kind The tree structure that bibliographic structure is accessed, the root node of tree structure is that the master file of description payment system environment and description pay system The constituent instruments for environment indices of uniting, root node inferior division is the catalogue file of multiple means of payment, the catalogue of each means of payment Various user profile and control information file are branched under file.Various user profile and control information the File bag Include file control information file, cardholder information file, transaction record file and remaining sum log file bag in catalogue file Include file control information file, cardholder information file, transaction record file and remaining sum of the means of payment in catalogue file Log file.
Further, the card reader is also connected with background server and carries out data interaction, complete data upload or after Platform authentication function.
Wherein, the security module can be selected as encryption chip, the NFC processors, memory, digital baseband electricity Road, radio circuit and security module are mounted in mobile terminal, and the operating system of the universal smart card is carried in NFC processing On device.
The security module can also be the security module realized using the software of mobile terminal, by the processing of mobile terminal Device control operation, the processor of mobile terminal, security module and NFC processors two are two interconnected, NFC processors, memory, Digital baseband circuit, radio circuit and security module are mounted in mobile terminal.The operating system of the universal smart card adds It is loaded on NFC processors or on the processor of mobile terminal.The memory is the memory or NFC specific stores of mobile terminal Device.
The security module can also be arranged on remote security service device, NFC processors, memory, digital baseband electricity Road and radio circuit are mounted in mobile terminal, and the processor of mobile terminal, security module are mutually interconnected two-by-two with NFC processors Connect.The operating system of the universal smart card is carried on NFC processors.
Beneficial effect:Compared with prior art, its remarkable advantage is the present invention:
1st, the universal smart card proposed by the present invention based on mobile terminal, has difference in functionality by what different industries were issued Smart card concentrates on the hand-held number of cards of the few users of , Yi Minus on a nfc card piece, facilitates user management and routine use.
2nd, smart card simulation is considered as in NFC technique the most field of prospect, and the prospect of profit is most reliable.Therefore by user It is a reality and urgent requirement to hold function (smart card/non-contact tag) to add in mobile phone, will greatly promote NFC intelligence The use of mobile phone and profit potential.
3rd, the present invention proposes pure hardware, three kinds of universal smart card operational modes based on software realization and telesecurity, pole The earth facilitates the application of the manufacturer, service provider of different technologies level so that high-end manufacturer/operator/service provider can be with Production, operation, using the hardware based universal smart card system of highest safe class, manufacturer/operators of other levels/ Service provider can produce, run, using secondary one-level safe class based on software or online universal smart card system.This office Face will be greatly facilitated the use of NFC smart mobile phones, facilitate different smart card issuance departments.Under latter two pattern, Ren Hekai Originator can develop based on software or online universal intelligent card application, have fixed read write line with existing for exploitation Infrastructure interaction application program provide may.That is, developer can develop the gate inhibition based on mobile phone, branch Pay, public transport and ticketing service application program, in the system using RFID ticket cards and smart card.Generally speaking, based on software Or online universal smart card be general developer, rather than those " industry giants " can should from simple NFC label With the fine opportunity for carrying out Function Extension.
Brief description of the drawings
Fig. 1 is the system block diagram of the one embodiment for the universal smart card based on mobile terminal that the present invention is provided;
Fig. 2 is the tree structure schematic diagram for the payment system file that the present invention is provided;
Fig. 3 is the system block diagram of the another embodiment for the universal smart card based on mobile terminal that the present invention is provided;
Fig. 4 is the system block diagram of the another embodiment for the universal smart card based on mobile terminal that the present invention is provided.
Embodiment
Embodiment 1
A kind of universal smart card based on mobile terminal is present embodiments provided, as shown in figure 1, universal smart card is all adopted Realized with hardware, including NFC processors, memory, digital baseband circuit, radio circuit and security module, NFC processors, number Word baseband circuit and radio circuit are sequentially connected, and memory and security module connect NFC processors respectively, and radio circuit connection is moved The antenna of dynamic terminal, security module is specially encryption chip, NFC processors, memory, digital baseband circuit, radio circuit and Security module is mounted in mobile terminal.Security module is used to enter line command between NFC processors and data are interacted, and right Data carry out safe encryption, and NFC processors are by carrying out secure data between digital baseband, radio frequency unit, antenna and card reader Interaction, completes authentication and payment function;Card reader is connected with background server and carries out data interaction, completes data and uploads Or background authentication function.
The operating system of universal smart card is carried on NFC processors, the operating system meet ISO7816 series standards and 《China's finance integrated circuit (IC) calliper model》.The operating system is by transfer management, file management, security system, command interpretation Four software function module compositions.Wherein, transfer management software module by ISO7816-3, ISO14443-4 standard supervision card with Communication between terminal, it is ensured that data are correctly transmitted, prevents that communication data is illegally stolen and distorted between card and terminal;Text Part managing software module stores user data in memory with document form, it is ensured that rapidity and data peace when accessing file Quan Xing;Security system software module it be related to the discriminating and verification of card, mechanism of authorization control during to file access;Order solution Release software module and check whether parameters are correct according to the order received, perform corresponding operation.
The payment system file relevant with paying application is also loaded with NFC processors, the system file can lead in one kind The tree structure of bibliographic structure access is crossed, as shown in Fig. 2 master file of the root node of tree structure for description payment system environment With the constituent instruments of description payment system environment indices, master file is uniquely present in NFC processors, and root node inferior division is many The catalogue file of the individual means of payment, the means of payment includes electronic bankbook, common reserve fund, access card, medical card, campus card, transportation card Etc., the branch under the catalogue file of each means of payment includes file control information text of the means of payment in catalogue file Part, cardholder information file, transaction record file and remaining sum log file etc..Payment system application can be with universal smart card By clearly selecting payment system environment to activate, a successful payment system environmental selection can be visited bibliographic structure Ask.
The different application card creation method of the smart card, is to utilize mobile terminal (such as mobile phone, tablet personal computer etc.) user After authentication is carried out, download the special APP softwares of different hair fastener departments by application for registration to realize.It is different creating Application card when, mobile phone application processor accesses NFC processors and security module, carries out the establishment of different application smart cards, Now, the payment function of whole universal smart card is (see the Fig. 3) shielded
In the present embodiment, in order to realize that the memory span in hardware-type universal smart card, NFC module is as big as possible, The disposal ability of NFC processors is as strong as possible.
Embodiment 2
Another universal smart card based on mobile terminal is present embodiments provided, as shown in figure 4, including NFC processing Device, memory, digital baseband circuit, radio circuit and security module, NFC processors, digital baseband circuit and radio circuit according to Secondary connection, memory and security module connect NFC processors respectively, and radio circuit connects the antenna of mobile terminal, NFC processing Device, memory, digital baseband circuit, radio circuit are mounted in mobile terminal.Security module is used between NFC processors Enter line command and data interaction, and data carried out with safe encryption, NFC processors by digital baseband, radio frequency unit, antenna with Secure data interaction is carried out between card reader, authentication and payment function is completed;Card reader is connected with background server and gone forward side by side Row data interaction, completes data and uploads or background authentication function.Security module is specially to be realized using the software of mobile terminal Security module, by the processor control operation of mobile terminal, processor, security module and the NFC processors of mobile terminal are two-by-two It is connected with each other, memory is the memory or NFC private memories of mobile terminal.
The operating system of universal smart card is carried on NFC processors or on the processor of mobile terminal, works as operating system During with store function all using the original module of smart mobile phone, the disposal ability of memory span and processor in NFC module Can accordingly it reduce.Operating system meet ISO7816 series standards and《China's finance integrated circuit (IC) calliper model》.The operation System is made up of transfer management, file management, security system, four software function modules of command interpretation.Wherein, transfer management is soft Part module is by the communication between ISO7816-3, ISO14443-4 standard supervision card and terminal, it is ensured that data are correctly transmitted, and prevents Only communication data is illegally stolen and distorted between card and terminal;File manager software module deposits user data with document form Storage is in memory, it is ensured that rapidity and Information Security when accessing file;Security system software module it be related to the mirror of card Not with verification, mechanism of authorization control during to file access;Command interpretation software module checks every according to the order received Whether parameter is correct, performs corresponding operation.
The payment system file relevant with paying application is also loaded with NFC processors, the system file can lead in one kind The tree structure of bibliographic structure access is crossed, as shown in Fig. 2 master file of the root node of tree structure for description payment system environment With the constituent instruments of description payment system environment indices, root node inferior division is the catalogue file of multiple means of payment, payer Formula includes electronic bankbook, common reserve fund, access card, medical card, campus card, transportation card etc., the catalogue file of each means of payment Under branch include the means of payment file control information file, cardholder information file, transaction record in catalogue file File and remaining sum log file etc..In universal smart card payment system application can by clearly select payment system environment come Activation, a successful payment system environmental selection can conduct interviews to bibliographic structure.
Different application program for mobile terminal are called to meet the intelligence of ISO/IEC 14443-4 standards with comprehensive simulation It can block, including type A and type B.Application program for mobile terminal can specify static attribute (such as unique ID of analog card (UID) and ISO/IEC 14443Type A cards historical data), and in block exchange agreement as defined in ISO/IEC14443-4 On the basis of carry out message protocol data unit exchange.Application program simulation smart card method can be:Can be by mobile whole End directly access background system, which is registered, is modeled as application program for mobile terminal different smart cards.When from external reader When obtaining order, mobile terminal notifies the simulation application program of intelligent card by a call back function, and obtained order is made The call back function is passed to for parameter.Simulation application program of intelligent card can accordingly be handled by parameter, the readjustment letter Several return values may return to read write line.
The present embodiment is to realize that the application in the security module function in NFC, such NFC mobile phone can nothing using software Hardware security module is needed just to be interacted with existing RFID smart card reading and writing device system, so as to realize the general intelligence based on software Can card.The technology is that numerous developers open the gate for realizing card analog functuion, is tightly controlled before the function, This will increase the scope that NFC technique is used, so as to cause the increase to NFC device demand, and promote NFC to turn into one really Extensive application technology.This method makes complexity, and intelligent card function under tight control becomes simpler And opening.By this method, developer can bypass security module (generally being controlled by " industry giants "), to realize innovation Property NFC apply provide chance.But at the same time, the security of this method is than the peace based on the universal smart card for depositing pure hardware Full property reduction, is applicable to the not high application of security level required.Or security is improved using other method.
Embodiment 3
Present embodiments provide another universal smart card based on mobile terminal, as shown in figure 4, including NFC processors, Memory, digital baseband circuit, radio circuit and security module, NFC processors, digital baseband circuit and radio circuit connect successively Connect, memory and security module connect NFC processors respectively, radio circuit connects the antenna of mobile terminal, NFC processors, deposit Reservoir, digital baseband circuit, radio circuit are mounted in mobile terminal.Security module is arranged on remote security service device, The processor of mobile terminal, security module and NFC processors two are two interconnected.Security module is used between NFC processors Enter line command and data interaction, and data carried out with safe encryption, NFC processors by digital baseband, radio frequency unit, antenna with Secure data interaction is carried out between card reader, authentication and payment function is completed;Card reader is connected with background server and gone forward side by side Row data interaction, completes data and uploads or background authentication function.
The operating system of universal smart card is carried on NFC processors or on the processor of mobile terminal, operating system symbol Close ISO7816 series standards and《China's finance integrated circuit (IC) calliper model》.The operating system is by transfer management, file pipe Reason, security system, four software function module compositions of command interpretation.Wherein, transfer management software module by ISO7816-3, Communication between ISO14443-4 standard supervisions card and terminal, it is ensured that data are correctly transmitted, prevents from communicating between card and terminal Data are illegally stolen and distorted;File manager software module stores user data in memory with document form, it is ensured that Rapidity and Information Security when accessing file;It is related to the discriminating and verification of card to security system software module, and file is visited Mechanism of authorization control when asking;Command interpretation software module checks whether parameters are correct according to the order received, performs Corresponding operation.
The payment system file relevant with paying application is also loaded with NFC processors, the system file can lead in one kind The tree structure of bibliographic structure access is crossed, as shown in Fig. 2 master file of the root node of tree structure for description payment system environment With the constituent instruments of description payment system environment indices, root node inferior division is the catalogue file of multiple means of payment, payer Formula includes electronic bankbook, common reserve fund, access card, medical card, campus card, transportation card etc., the catalogue file of each means of payment Under branch include the means of payment file control information file, cardholder information file, transaction record in catalogue file File and remaining sum log file etc..In universal smart card payment system application can by clearly select payment system environment come Activation, a successful payment system environmental selection can conduct interviews to bibliographic structure.
Call different application programs to meet the smart card of ISO/IEC 14443-4 standards with comprehensive simulation, wrap Include type A and type B.Application program can specify static attribute (such as unique ID (UID) and the ISO/ of analog card The historical data of IEC14443Type A cards), and enter row information on the basis of block exchange agreement as defined in ISO/IEC14443-4 Protocol Data Unit is exchanged.Application program simulation smart card method can be:Backstage can directly be accessed by mobile terminal System, which is registered, is modeled as application program for mobile terminal different smart cards.When obtaining order from external reader, move Dynamic terminal notifies the simulation application program of intelligent card by a call back function, and obtained order is passed into this as parameter Call back function.Simulation application program of intelligent card can accordingly be handled by parameter, and the return value of the call back function can be with Return to read write line.
In addition to NFC mobile phone, miscellaneous equipment, such as NFC reader can also realize universal smart card according to the present invention System, it can in addition contain design and produce special universal smart card analog machine according to invention.
Above disclosed is only a kind of preferred embodiment of the invention, it is impossible to the right model of the present invention is limited with this Enclose, therefore the equivalent variations made according to the claims in the present invention, still belong to the scope that the present invention is covered.

Claims (10)

1. a kind of universal smart card based on mobile terminal, it is characterised in that:Including NFC processors, memory, digital baseband electricity Road, radio circuit and security module, the NFC processors, digital baseband circuit and radio circuit are sequentially connected, the memory Connect the NFC processors respectively with security module, the radio circuit connects the antenna of mobile terminal;The security module is used In entering line command between the NFC processors and data are interacted, and safe encryption is carried out to data, NFC processors pass through number Secure data is carried out between word base band, radio frequency unit, antenna and card reader to interact, and completes authentication and payment function;
Wherein, the payment system file relevant with paying application is loaded with NFC processors, the system file can pass through in one kind The tree structure that bibliographic structure is accessed, the root node of tree structure is that the master file of description payment system environment and description pay system The constituent instruments for environment indices of uniting, root node inferior division is the catalogue file of multiple means of payment, the catalogue of each means of payment The various user profile and control information file that branch into the means of payment under file.
2. the universal smart card according to claim 1 based on mobile terminal, it is characterised in that:The various user profile It is included in file control information file, cardholder information file, transaction record in catalogue file with control information File File and remaining sum log file.
3. the universal smart card according to claim 1 based on mobile terminal, it is characterised in that:The card reader also with it is rear Platform server connects and carries out data interaction, completes data and uploads or background authentication function.
4. the universal smart card according to claim 1 based on mobile terminal, it is characterised in that:The security module is specific For encryption chip, the NFC processors, memory, digital baseband circuit, radio circuit and security module are mounted on mobile whole In end.
5. the universal smart card according to claim 4 based on mobile terminal, it is characterised in that:The universal smart card Operating system is carried on NFC processors.
6. the universal smart card according to claim 1 based on mobile terminal, it is characterised in that:The security module is specific The security module realized for the software for utilizing mobile terminal, by the processor control operation of mobile terminal, the processing of mobile terminal Device, security module and NFC processors two are two interconnected, NFC processors, memory, digital baseband circuit, radio circuit and peace Full module is mounted in mobile terminal.
7. the universal smart card according to claim 6 based on mobile terminal, it is characterised in that:The universal smart card Operating system is carried on NFC processors or on the processor of mobile terminal.
8. the universal smart card according to claim 6 based on mobile terminal, it is characterised in that:The memory is movement The memory or NFC private memories of terminal.
9. the universal smart card according to claim 1 based on mobile terminal, it is characterised in that:The security module is set In on remote security service device, NFC processors, memory, digital baseband circuit and radio circuit are mounted in mobile terminal, The processor of mobile terminal, security module and NFC processors two are two interconnected.
10. the universal smart card according to claim 9 based on mobile terminal, it is characterised in that:The universal smart card Operating system be carried on NFC processors.
CN201710532757.9A 2017-07-03 2017-07-03 A kind of universal smart card based on mobile terminal Pending CN107229962A (en)

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CN110428561A (en) * 2019-09-06 2019-11-08 中国工商银行股份有限公司 A kind of separate type gathering probe, device and method
RU2746305C1 (en) * 2018-02-01 2021-04-12 Хуавей Текнолоджиз Ко., Лтд. Memory card and terminal device
CN113496264A (en) * 2021-06-23 2021-10-12 中国人民解放军总医院第一医学中心 Communication system based on RFID injury card
CN116170794A (en) * 2023-04-25 2023-05-26 深圳市微付充科技有限公司 Online idle issuing system and method for smart card

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RU2746305C1 (en) * 2018-02-01 2021-04-12 Хуавей Текнолоджиз Ко., Лтд. Memory card and terminal device
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CN113496264A (en) * 2021-06-23 2021-10-12 中国人民解放军总医院第一医学中心 Communication system based on RFID injury card
CN113496264B (en) * 2021-06-23 2023-12-19 中国人民解放军总医院第一医学中心 Communication system based on RFID wounded condition card
CN116170794A (en) * 2023-04-25 2023-05-26 深圳市微付充科技有限公司 Online idle issuing system and method for smart card
CN116170794B (en) * 2023-04-25 2023-08-08 深圳市微付充科技有限公司 Online idle issuing system and method for smart card

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Application publication date: 20171003