CN109544146A - No card interactive system and simulation card apparatus - Google Patents

No card interactive system and simulation card apparatus Download PDF

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Publication number
CN109544146A
CN109544146A CN201811457576.5A CN201811457576A CN109544146A CN 109544146 A CN109544146 A CN 109544146A CN 201811457576 A CN201811457576 A CN 201811457576A CN 109544146 A CN109544146 A CN 109544146A
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CN
China
Prior art keywords
card
information
user
terminal device
analog
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.)
Granted
Application number
CN201811457576.5A
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Chinese (zh)
Other versions
CN109544146B (en
Inventor
何亦凡
王岱辉
肖英伟
马晓军
简东权
谭敏
詹义
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.)
Beijing Jujube Science And Technology Co Ltd
China Mobile Communications Group Co Ltd
China Mobile Group Design Institute Co Ltd
Original Assignee
Beijing Jujube Science And Technology Co Ltd
China Mobile Communications Group Co Ltd
China Mobile Group Design Institute Co Ltd
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Publication date
Application filed by Beijing Jujube Science And Technology Co Ltd, China Mobile Communications Group Co Ltd, China Mobile Group Design Institute Co Ltd filed Critical Beijing Jujube Science And Technology Co Ltd
Priority to CN201811457576.5A priority Critical patent/CN109544146B/en
Publication of CN109544146A publication Critical patent/CN109544146A/en
Application granted granted Critical
Publication of CN109544146B publication Critical patent/CN109544146B/en
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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357—Cards having a plurality of specified features
    • G06Q20/3574—Multiple applications on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354—Card activation or deactivation

Abstract

This application discloses a kind of no card interactive system and a kind of simulation card apparatus, which includes the simulation card apparatus that operation has multiple analog card applications and each analog card using corresponding terminal device.The simulation card apparatus is used to establish with any analog card using corresponding terminal device and be wirelessly connected；Receive the information acquisition request that any analog card applies corresponding terminal device to send；Based on the information acquisition request, any analog card is sent to any analog card using corresponding terminal device using corresponding user's registration information.Any analog card is used to carry out business processing based on the user's registration information using corresponding terminal device.The interaction without card can be achieved in the embodiment of the present application, bring great convenience to user's life.

Description

No card interactive system and simulation card apparatus
Technical field
The application belongs to Internet technical field, specifically, being related to a kind of no card interactive system and a kind of analog card is set It is standby.
Background technique
Currently, needing to obtain the clothing of user in user's daily life using different service cards according to different living scenes Eat the service for life of the various aspects such as row, work entertainment.Service card may include bank card, member card, accumulating card, employee Card, access card, transportation card, water card electric card etc..For example, user needs to pay and use using bank card in daily shopping, food and drink Member card or accumulating card carry out total mark of consumption, seating public transport needs to need employee job card in transportation card payment, work or life Or access card carries out authentication, pays charges for water and electricity and need water card, electric card etc..
Although can obtain corresponding convenient for servicing by service card, user goes for a certain item convenient for servicing just Firstly the need of finding corresponding service card, especially when there are many service card of user, it is possible to the service card of mistake can be shown Or the waste plenty of time finds corresponding service card, to bring very big inconvenience to user.
Summary of the invention
In view of this, user only needs to carry mould this application provides a kind of no card interactive system and a kind of simulation card apparatus The interaction of no card can be realized in quasi- card apparatus trip, brings great convenience to user's life.
This application provides a kind of no card interactive system, including run the simulation card apparatus for having multiple analog cards applications and Each analog card applies corresponding terminal device；
The simulation card apparatus is used to establish with any analog card using corresponding terminal device and be wirelessly connected；Receive institute State the information acquisition request that any analog card applies corresponding terminal device to send；It, will be described based on the information acquisition request Any analog card is sent to any analog card using corresponding terminal device using corresponding user's registration information；
Any analog card is used to carry out at business based on the user's registration information using corresponding terminal device Reason.
Preferably, the system can also include respectively with the simulation card apparatus and each described analog card application The server-side of corresponding terminal device connection；
Any analog card is specific based on user's registration information progress business processing using corresponding terminal device It is that business processing request is generated based on the user's registration information；The business processing is sent to request to the server-side；
The server-side is requested based on the business processing, executes corresponding business processing and feedback traffic processing result Corresponding terminal device is applied to any analog card.
Preferably, the server-side receives the business processing that any analog card applies corresponding terminal device to send After request, it is also used to send the business processing confirmation message to the simulation card apparatus；The simulation card apparatus is received to send The response message for the business processing confirmation message；Judge whether to execute business processing behaviour based on the response message Make；If so, requesting based on the business processing, corresponding business processing and feedback traffic processing result are executed to the end End equipment；If not, terminating corresponding business processing；
The simulation card apparatus is also used to receive the response triggered for the user's operation of the business processing confirmation message Information；And the response message is sent to the server-side.
Preferably, the simulation card apparatus is based on the information acquisition request, by any analog card using corresponding It is specifically to determine that the acquisition of information is asked that user's registration information, which is sent to any analog card using corresponding terminal device, Seek corresponding service type；Determine any analog card using corresponding with the service type in corresponding user's registration information User's registration sub-information；The user's registration sub-information is sent to any analog card using corresponding terminal device；
Any analog card is used to carry out business processing based on the user's registration information using corresponding terminal device Specifically, business processing is carried out based on the user's registration sub-information.
Preferably, the simulation card apparatus determines that the information acquisition request corresponding service type is specifically, described in determination The corresponding service type of information acquisition request is identity authentication service.
Preferably, the simulation card apparatus determine any analog card using in corresponding user's registration information with institute Stating the corresponding user's registration sub-information of service type is specifically, and determines any simulation corresponding with the identity authentication service The user's registration sub-information of card application is subscriber identity information；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out subscriber authentication processing based on the subscriber identity information.
Preferably, the simulation card apparatus determines that the information acquisition request corresponding service type is specifically, described in determination The corresponding service type of information acquisition request is transactional services.
Preferably, the simulation card apparatus determine any analog card using in corresponding user's registration information with institute Stating the corresponding user's registration sub-information of service type is specifically, and determines any simulation corresponding with the identity authentication service The user's registration sub-information of card application is account information.
Preferably, the simulation card apparatus determines that the information acquisition request corresponding service type is specifically, described in determination The corresponding service type of information acquisition request is logical card service.
Preferably, the simulation card apparatus determine any analog card using in corresponding user's registration information with institute Stating the corresponding user's registration sub-information of service type is specifically to determine that the logical card services corresponding any analog card and answers User's registration sub-information is private key information；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to be based on the private key information, obtain the corresponding account address of the private key information and trading signature authentication information； Business processing is carried out based on the account address and the trading signature authentication information.
Preferably, any analog card application counterpart terminal equipment is also used to send transaction code key acquisition request to institute State simulation card apparatus；It receives any analog card that the simulation card apparatus is sent and applies corresponding transaction key；
Any analog card is based on the user's registration sub-information using corresponding terminal device and carries out business processing tool Body is to verify the transaction code key；If be proved to be successful, corresponding business processing is carried out based on the user's registration sub-information And store corresponding service handling information.
Preferably, the transactional services include financial payment service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out financial payment processing based on the account information.
Preferably, the transactional services include integral service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out user integral processing to the account based on the account information.
Preferably, the transactional services include ticket service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out the purchase of electronic bill based on the account information or replace processing.
Preferably, the transactional services include user's right service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to obtain corresponding user's right based on the account information, and carry out financial payment friendship based on the user's right Easily.
Preferably, the transactional services include point card service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out card purchase or a payment processing based on the account information.
Preferably, any analog card is based on the account address using corresponding terminal device and the transaction is signed Name authentication information carries out business processing, carries out logical card based on the account address and the trading signature authentication information Trading processing.
The application embodiment provides a kind of simulation card apparatus, applied to no card interactive system, the simulation card apparatus Mould group is controlled including microcontroller, the NFC connecting with the microcontroller；
The microcontroller is for running multiple analog card applications；
Any analog card that the NFC control mould group is used to receive in pre-determined distance is connected using corresponding terminal device Request；Based on the connection request, establishes and be wirelessly connected using corresponding terminal device with any analog card；Receive institute It states the information acquisition request that any analog card is sent using corresponding terminal device and sends the information acquisition request to described Microcontroller；It receives any analog card that the microcontroller is sent and applies corresponding user's registration information；Described in transmission User's registration information to any analog card applies corresponding terminal device.
Preferably, the simulation card apparatus further includes security control mould group；
The NFC control mould group is connect by the security control mould group with the microcontroller, the security control mould Group is for realizing the application of any analog card and the safe handling of relative users registration information to running in the microcontroller.
Preferably, the simulation card apparatus also packet telecommunication mould group；
The telecommunication mould group is connect with the microcontroller to be connect for establishing narrowband Internet of Things with server-side.
It preferably, further include the positioning module being connect with the microcontroller；
The positioning module is used to receive the positioning instruction that the microcontroller is sent；It is acquired based on the positioning instruction Current location information simultaneously sends the current location information to the microcontroller；
The microcontroller is for controlling the positioning module acquisition current location information；And pass through the telecommunication Mould group sends the current location information to the server-side.
It preferably, further include the fingerprint mould group being connect with the microcontroller；
The fingerprint mould group is used to read the finger print information of user and sends the finger print information to the microcontroller；
The microcontroller is based on the finger print information and carries out finger print identifying or fingerprint storage processing.
It preferably, further include the indicator light control mould group being connect with microcontroller；
The indicator light control mould group controls mould group with the indicator light based on the driving instruction control of the microcontroller The indicator light of connection shows corresponding light signal.
It preferably, further include the button control mould group being connect with the microcontroller；
The button control mould group is used to detect the triggering state of any key；And send the triggering of any key State is to the microcontroller；
The microcontroller executes corresponding operation based on the triggering state of any key.
Preferably, the microcontroller is also used to run self-diagnostic function application；
The self-diagnostic function applies the working condition for monitoring each mould group in the simulation card apparatus；Based on each mould Group working condition generates status indication information and sends the status indication information to the microcontroller；
The microcontroller is based on the status indication information and generates driving instruction, and exports the driving instruction to institute Indicator light mould group is stated, shows corresponding light signal to control the indicator light of the indicator light control mould group connection.
Preferably, the microcontroller is also used to run watchdog function application；
The watchdog function is applied for being set to the analog card when monitoring the simulation card apparatus appearance exception Standby execute resets operation.
Preferably, the simulation card apparatus further includes memory；
The memory is for storing the multiple analog card application data run in the microcontroller.
Compared with prior art, the application can be obtained including following technical effect:
The application gives a kind of no card interactive system and a kind of simulation card apparatus, which includes that operation has multiple moulds The simulation card apparatus and each analog card of quasi- card application apply corresponding terminal device.The simulation card apparatus is used for and appoints One analog card is established using corresponding terminal device and is wirelessly connected；Any analog card is received using corresponding terminal device The information acquisition request of transmission；Based on the information acquisition request, any analog card is believed using corresponding user's registration Breath is sent to any analog card using corresponding terminal device.Any analog card is used using corresponding terminal device In based on user's registration information progress business processing.Corresponding end is applied based on simulation card apparatus and each analog card End equipment building without card interactive system, can be by run any one analog card applied to its counterpart terminal in simulation card apparatus Equipment carries out being wirelessly connected the service that the service card that can be obtained and accordingly simulate provides, to realize the friendship without card in life Mutually, it brings great convenience to user's life.
Detailed description of the invention
The drawings described herein are used to provide a further understanding of the present application, constitutes part of this application, this Shen Illustrative embodiments and their description please are not constituted an undue limitation on the present application for explaining the application.In the accompanying drawings:
Fig. 1 is a kind of structural schematic diagram of one embodiment of no card interactive system of the embodiment of the present application；
Fig. 2 is a kind of structural schematic diagram of another embodiment of no card interactive system of the embodiment of the present application；
Fig. 3 is a kind of another structural schematic diagram of no card interactive system of the embodiment of the present application；
Fig. 4 is a kind of structural schematic diagram of one embodiment of simulation card apparatus of the embodiment of the present application；
Fig. 5 is a kind of structural schematic diagram of another embodiment of simulation card apparatus of the embodiment of the present application；
Fig. 6 is a kind of structural schematic diagram of another embodiment of simulation card apparatus of the embodiment of the present application；
Fig. 7 is the structural representation of an embodiment of the simulation card apparatus that one kind of the application embodiment can embed Figure；
Fig. 8 is a kind of structure of an embodiment of simulation card apparatus that can work independently of the application embodiment Schematic diagram.
Specific embodiment
Presently filed embodiment is described in detail below in conjunction with accompanying drawings and embodiments, how the application is answered whereby It solves technical problem with technological means and reaches the realization process of technical effect to fully understand and implement.
In some processes of the description in the description and claims of this application and above-mentioned attached drawing, contain by According to multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article according to its Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, sequence It number itself does not represent and any to execute sequence.In addition, these processes may include more or fewer operations, and these are grasped Work can be executed in order or be executed parallel.It should be noted that the description such as " first " herein, " second ", is for area Divide different message, equipment, module etc., does not represent sequencing, also do not limit " first " and " second " and be different type.
Technical scheme is described in detail below in conjunction with attached drawing.
Fig. 1 is a kind of structural schematic diagram of one embodiment of no card interactive system provided by the embodiments of the present application.This is System may include that operation has the simulation card apparatus 101 of multiple analog card applications and each analog card to set using corresponding terminal Standby 102；
The simulation card apparatus 101 is used to establish with any analog card using corresponding terminal device 102 and be wirelessly connected； Receive the information acquisition request that any analog card applies corresponding terminal device 102 to send；It is asked based on the acquisition of information It asks, any analog card is sent to any analog card using corresponding terminal using corresponding user's registration information Equipment 102.
Any analog card is used to carry out business based on the user's registration information using corresponding terminal device 102 Processing.
In practical application, simulates the multiple analog cards application run in card apparatus 101 and the application of multiple analog card corresponds to User's registration information, can be by staff in advance according to and be registered in the simulation card apparatus.It is, of course, also possible to It is that user according to the use demand of itself installs and register in advance acquisition, is not specifically limited herein.
It is understood that being all different for the user's registration information of different analog cards application, such as bank card application Corresponding user's registration information may include bank card number, user name, associated cell-phone number, identification card number etc.；Such as employee The corresponding user's registration information of card application may include employee's work number, department's coding, mechanism coding, user fingerprints information, head portrait Information etc.；Such as accumulating card using corresponding user's registration information may include integral card number, integral trade company, user mobile phone number, User's birthday etc..The registration demand that can be actually applied according to different analog cards, inputs corresponding user's registration information.
If necessary to install any analog card application by staff, staff can be set using special analog card Standby management terminal device logs in the application installation application of any analog card and appoint that administrator's application management platform is provided according to user One analog card applies corresponding user information, which is installed in simulation card apparatus 101, and store phase The user's registration information answered.If user wants oneself to carry out the downloading of any analog card application and installation operation, equally can benefit With corresponding analog card equipment management terminal equipment login user application management platform, according to their needs by any simulation Card application is installed in simulation card apparatus 101, and stores corresponding user's registration information.The analog card equipment management terminal can With with simulation card apparatus establish be wirelessly connected, radio connection can be NFC (Near Field Communication, Near-field communication) it is wirelessly connected the telecommunication connection being also possible to based on narrowband Internet of Things, it is not specifically limited herein.
Simulation card apparatus can run any one the analog card application being mounted in simulation card apparatus, be in practical application It avoids running excessive analog card application and the data processing speed of simulation card apparatus is caused to reduce, when user does not need some When the service that analog card application provides, which can be carried out deactivating or unloading is handled, a certain simulation when needed It can be downloaded according to self-demand when blocking the service of application and the analog card is activated to apply, which equally can be by work Make personnel or user to operate by analog card equipment management terminal.
Optionally, multiple analog card application may include the bank card application of corresponding any bank, corresponding any shops The member card application of (line Shang Huoxianxia shops is applicable in), the integral for corresponding to any store (store is applicable on line or under line) Card application, the employee job card application of corresponding any operative unit, the access card application of corresponding any electronic access, corresponding any city The transportation card application of city's public transport, the water card application of corresponding any city water power service department and electric card application, correspondence are any The token applications etc. of ticket service department (being applicable on line or under line), each analog card application can correspond to the existing clothes of substitution Business blocks and can provide corresponding service, and multiple analog card application includes but is not limited to above-mentioned analog card application, can basis Actual design needs and promotes demand to be set, and is not specifically limited herein.
Optionally, simulation card apparatus can be established using corresponding terminal device 102 with any analog card and is wirelessly connected, The radio connection can be the connection of the near-field communication based on NFC (preferential selection), certainly can with and infrared ray, bluetooth, The wireless connection of the foundation such as radio frequency can also be other any applicable technical schemes of wireless connection.
Optionally, terminal device 102, which can correspond at least one analog card application, can certainly only correspond to a simulation Card application, is not specifically limited herein.When terminal device 102 can correspond to multiple analog cards in application, can be by shops's work Make personnel or user triggers type of service at the terminal device, such as the corresponding terminal device of token applications can wrap Include the different type of service states such as ticket is inquired, ticket is bought, ticket is replaced.User or staff can pass through operation The corresponding terminal device of token applications determines the current type of service of the terminal device.To receive simulation card apparatus After 101 information acquisition requests sent, the corresponding equipment interactive information of its present type of service is sent to simulation card apparatus 101.For example, terminal device can be POS (point of sale, point-of-sale terminal) machine, which can correspond to multiple silver Capable bank card application can trigger POS machine and be in required bank when user needs to obtain the payment services of a certain bank Corresponding type of service state after, send for should bank bank card application message acquisition request to analog card set It is standby.
Simulation card apparatus can be with the corresponding analog card application of the received message acquisition request of automatic identification in practice, and sentences It is disconnected whether to have run corresponding analog card application.Specifically, analog card application pair can be carried in message request by obtaining The certification code key answered verified or message acquisition request in carry the analog card application identification code verified.Example Such as, each analog card application has preset certification code key, is only proved to be successful Shi Caihui for corresponding analog card in certification code key Corresponding terminal device is sent to using corresponding user's registration information；Either each analog card application default settings are unique Identification code be identified, only when any simulation stored in the identification code that is carried in message acquisition request and simulation card apparatus The corresponding identification code of card application matches, then corresponding analog card is sent to corresponding end using corresponding user's registration information End equipment returns to message if certification code key authentication failed or codes match failure and obtains failure information to corresponding end End equipment, it is different to prompt to simulate accordingly card apparatus without operation in user's simulation card apparatus or communication failure occur etc. Reason condition.
It is understood that when the application of each analog card is provided with certification code key or identification code in advance, the simulation Each analog card is being installed in application, can be secret using corresponding certification by each preset analog card in card apparatus Key or identification code are stored simultaneously, what the installation file which can be in analog card application carried, are also possible to need The security control file for being individually downloaded and installing, is not specifically limited herein.
It is understood that in order to illustrate simulation card apparatus any analog card can will be corresponded to based on message acquisition request The user's registration information of application is sent to corresponding terminal device, and this application provides above two concrete implementation modes, originally Apply for that embodiment includes but is not limited to above two concrete implementation mode.
Any analog card is using corresponding terminal device in the user's registration information for receiving simulation card apparatus feedback Afterwards, business processing can be generated based on the user's registration information to request and carry out corresponding business processing.In practical application, when The payment transaction that the application of the financial payment business that user carries out, especially bank card provides, the terminal device are based on user's registration Information also needs to trigger generation trading password input prompt information after generating business processing request and shows, to prompt user defeated Enter the bank card using corresponding trading password, to carry out subsequent payment transaction processing.
Certainly, small amount can be supported to exempt from the quick branch such as close payment, transaction code key certification payment some analog card applications The mode of paying may not need user and input trading password, can directly carry out payment transaction processing, specifically can be according to actual needs It is configured, is not specifically limited herein.
It is, of course, understood that terminal device is based on to give birth to after user's registration information generates business processing request It is shown at business processing confirmation request and in the terminal device, after user's confirmation is errorless, triggers the terminal device and generate Confirmation instruction, terminal device are based on the corresponding business processing of confirmation instruction execution.
It is understood that the terminal device of corresponding any analog card application for example can be corresponding any analog card and answer , and can be realized the POS machine, punched-card machine, self-service ticket or the vending machine that are wirelessly connected with simulation card apparatus, bank Access integral machine, electronic lock, intelligent electronic device etc., are not specifically limited herein.
In the embodiment of the present application, provide a kind of no card interactive system, the simulation card apparatus by with any analog card It establishes and is wirelessly connected using corresponding terminal device, realize information exchange, to obtain any analog card using corresponding user Registration information.So that any analog card can carry out business processing based on the user's registration information using corresponding terminal device. Simulation card apparatus is operated without user in the application embodiment, simulation card apparatus can be based on message acquisition request certainly It is dynamic that corresponding user's registration information is sent to corresponding terminal device, so as to avoid the user's registration information of feedback error Or the waste plenty of time finds corresponding analog card and applies to inconvenience caused by user security risk.User only needs carrying simulation card apparatus to go out Row can simply and quickly obtain the convenient service that any analog card application of its operation provides, and bring to user's life Great convenience.
It in practical application, is distinguished from analog card application model, service application function can be divided into on-line Application or de- Machine application.Belong to and supports the analog card of off line application does not need to connect with server-side using corresponding terminal device can be realized Business processing.Application program and data that the analog card is applied are installed to the secure storage section of simulation card apparatus as needed In, to guarantee the safety of transaction.Belong to and supports that the analog card application of off line application may include meeting PBOC (Chinese people Bank) specification electronic wallet application, meet Ministry of Communications's urban public transport technical specification public transport card application and symbol " Mifare " standard of conjunction, other off lines application based on 13.56MHz such as automobile key application, access card application etc., this Include but unlimited above-mentioned analog card application in application embodiment.
Optionally, in certain embodiments, for supporting any analog card of off line application to set using corresponding terminal It is standby, it can be and verified by code key of trading, such as the corresponding terminal device such as access card application or automobile key application, Its user's registration information being stored in simulation card apparatus can be transaction code key.Terminal device is based on simulation card apparatus and sends If transaction code key verified to be proved to be successful and can trigger arrangements for automotive doors and open or pass through milling train.Stored value card is answered With or public transport card using its user's registration information may include account information and transaction code key, i.e., transaction code key verifying at After function fee deduction treatment can be carried out based on account information.But in order to guarantee that the user of server-side deducts fees and the actual consumption of user Record is consistent, which also needs to carry out transaction record after carrying out fee deduction treatment, and passes through administrator for the transaction Record storage is uploaded to server-side to server-side or under networking situation automatically.
For supporting the analog card application of on-line Application to be mainly considered as the online of PKI (Public Key Infrastructure) certification Using.The treatment process of following pairs of on-line Applications is described in detail.
Fig. 2 is a kind of structural schematic diagram of another embodiment of no card interactive system provided by the embodiments of the present application.Institute State system remove include Fig. 1 embodiment in simulation card apparatus 101 and each analog card using corresponding terminal device 102 it It outside, can also include applying corresponding terminal device 102 with the simulation card apparatus 101 and each described analog card respectively The server-side 103 of connection.
Any analog card is based on the user's registration information using corresponding terminal device 102 and carries out business processing Specifically, business processing request is generated based on the user's registration information；The business processing is sent to request to the server-side 103。
The server-side 103 is requested based on the business processing, executes corresponding business processing and feedback traffic processing knot Fruit to any analog card applies corresponding terminal device.
In practical application, each analog card can be by way of wirelessly or non-wirelessly using corresponding terminal device 102 It connect with server-side, is not specifically limited herein.
In order to guarantee analog card application and the safety of data, simulation card apparatus 101 and server-side can pass through protenchyma Networking technology carries out telecommunication connection.It can provide multi-party trust based on the block chain technology that narrowband Internet of Things is established, data add It is close, can not distort, the technical capabilities such as data unanimously store, establish peace for more ownership, multiple types, interacting without card for more scenes All risk insurance barrier.
Any analog card can not independently realize business processing using corresponding terminal device 102, need the business that will be generated Processing request is sent to server-side 103, is based on business processing request by server-side 103 and carries out corresponding business processing.
One embodiment structural schematic diagram of no card interactive system is provided as shown in Figure 3,
Optionally, server-side 103 may include service process platform, for receiving with any analog card using corresponding The business processing request that terminal device is sent.The service process platform can by core routing module respectively with core business The connection of processing module, bank's module and third party to connection module.
Wherein, application of the core routing module for being responsible for identification message is former (such as application identities code and transaction code etc.) It determines the logic processing module of message, message synchronization is then sent to corresponding module and carries out specific logical process.For example, Core routing module receives the business processing request of service process platform transmission, can recognize to be one by application source The payment request of bank card application can then request the business processing to be sent to corresponding bank's module.And receive bank's module To the processing result of business processing request, such as processing success or failure, and feedback processing result is flat to the business processing Platform, then shown by service process platform issuing service processing result to corresponding terminal device.
Core business processing module and routing module direct communication, be responsible in simulation card apparatus supported own answer Business processing.Including paying the offline transaction used, on-line transaction, data receiver etc..For example, electronic wallet application, Money etc. can be stored in the electronic wallet application by user, be consumed in the corresponding terminal device of the electronic wallet application. Can also be the point card application of own business, integral application, ticket application, member's application etc., with the simulation card apparatus from There is the corresponding terminal device of the settings such as shops, supermarket, market and the store APP of analog card application cooperation to carry out at transaction Reason.Wherein, the transaction data or equipment that the data receiver of core business module can be used for receiving simulation card apparatus transmission are certainly Monitoring log of body etc..
Bank's module can be docked directly with cooperative bank by Interface for System.To realize the industry of bank card application Business processing, bank's module are also used to be converted into the request message in service process platform to meet bank based on mating interface The response message of bank simultaneously can be converted to the message format in service process platform by the message of interface specification, realize that information is handed over Mutually.Encrypting and decrypting and the MAC verifying of message can also be carried out simultaneously to guarantee the safety of information exchange.
Third party can pass through Interface for System pair with the third company of cooperation or enterprises and institutions to connection module It connects.The business processing that the third company or enterprises and institutions that user docks connection module by third party singly may be implemented can wrap It includes and pays charges for water and electricity, combustion gas expense, that public transport is supplemented with money, property fees are paid, social security is paid etc. is more convenience-for-people to provide for user It services, includes but is not limited to that above-mentioned business processing scope can be set according to the actual situation in the application embodiment.When So, it is to be understood that third party is mainly used for financial payment to connection module, it is therefore desirable in advance by its corresponding analog card Using the electronic wallet application or resident's card application in one payment account of binding, for example own business, it is also possible to bank The bank account of bank card application in business, or can also be other other accounts etc. docked with service process platform, It is not specifically limited herein.
Similarly, third party is also used to turn the request message in service process platform to connection module based on mating interface It changes the message for meeting third-party platform interface specification into and the response message of third-party platform can be converted to service process platform Interior message format realizes information exchange.Encrypting and decrypting and the signature authentication of message can also be carried out simultaneously to guarantee that information is handed over Mutual safety.
In practical application, there may be no displays using corresponding terminal device for any analog card, can not show industry Business processing confirmation message or service processing result.Optionally, in certain embodiments, the server-side 103 receives described any After analog card is requested using the business processing that corresponding terminal device 102 is sent, it is also used to send the business processing confirmation letter It ceases to the simulation card apparatus；The response for the business processing confirmation message that the simulation card apparatus is sent is received to believe Breath；Judge whether to execute business processing operation based on the response message；If so, being requested based on the business processing, execute Corresponding business processing and feedback traffic processing result are to the terminal device；If not, terminating corresponding business processing；
The simulation card apparatus is also used to receive the response triggered for the user's operation of the business processing confirmation message Information；And the response message is sent to the server-side.
Simulating card apparatus 101 can be configured with display screen, by showing that screen shows corresponding business processing confirmation letter Breath, and it is configured with input module, such as physical button or fingerprint identification key etc., user is recognized by confirmation key or fingerprint Card triggering generates response message.Certainly, similarly server-side 103 service processing result can also be sent to simulation card apparatus into Row display is prompted by indicator light, can be set according to the actual situation herein.
Server-side may also include application management platform in practical application, and user can be by the intelligence that connect with server-side Equipment such as smart phone or computer log in the corresponding equipment APP (application program) of simulation card apparatus, and are set based on analog card Standby unique identifier carries out registration login.Real process can be user and be based on user name or the progress such as cell-phone number or mailbox User's registration and by the unique identifier of the simulation card apparatus of the user name or cell-phone number or mailbox that are obtained after registration and user Binding, user can be realized the management of management and analog card application to simulation card apparatus by equipment APP, realize analog card The management and equipment management that analog card is applied in equipment.In practical application, application management platform can also be to simulation card apparatus Unique identifier is identified, is judged that backstage is recorded with the presence or absence of the factory of the equipment, if it fails to match, can be fed back and set Standby APP matching result, to inform that user's equipment is not present；If successful match, feedback device APP matching result, to accuse Know user registration success.When user possesses multiple simulation card apparatus, multiple simulation card apparatus can be bound, simultaneously so as to right Multiple simulation card apparatus is managed.
Equipment APP user can also be by searching for using store or searching any analog card application, and it is any to trigger generation The download instruction of analog card application.After server-side receives the download instruction of any analog card application, corresponding simulation is controlled Card apparatus is downloaded the installation file of any analog card application and is installed.Simulation card apparatus can monitor this by itself and answer Installation situation, and feed back the equipment that received installation results are sent to user terminal to server-side, server-side by installation results It is shown on APP, has prompted the user whether to install successfully.
User can also browse the installation application in simulation card apparatus by equipment APP, and can show corresponding application More new information, user grasp the users such as the unloading, deactivated, update, activation for having installed application according to self-demand selection triggering Make, and generated based on user's operation to having installed the unloading command of application, having deactivated instruction, more new command, activation instruction etc., is led to Server-side control simulation card apparatus is crossed to unload the analog card application that user selects accordingly, deactivate, update, activate Operation.
It is understood that the analog card application downloaded in simulation card apparatus have to carry out activation operation just can be with It uses, activation operation is the user's registration information that user exports analog card application, which may include user's body Part information, account information etc..User can export user's registration information by the end equipment APP, can also be by simulating card apparatus It is inputted, is not specifically limited herein.
Optionally, user can also inquire the transaction record of corresponding simulation card apparatus by the end equipment APP.And friendship can be passed through Easily record query frame set querying condition, such as exchange hour, transaction simulation card apparatus (there are when multiple simulation card apparatus), Stateful transaction (trade successfully, Fail Transaction), transaction trade company etc., obtained from server-side meet querying condition transaction record it is bright Carefully.
Optionally, user can also inquire status information, such as battery capacity, instruction of simulation card apparatus by equipment APP Equipment may be implemented certainly in lamp state, fingerprint control function, button state, NFC communication function, GPS function etc., simulation card apparatus Inspection can be real-time detection and be also possible to carry out equipment self-inspection based on user's trigger action, and self-detection result is fed back to service End, and recorded.Wherein, equipment self-inspection includes the hardware for simulating card apparatus and the function of software systems and analog card application Detection.
It is understood that in order to avoid the equipment APP of other people the login users simulation card apparatus for corresponding to user carries out Operation, caused safety problem, user need user after being managed operation to the analog card application in simulation card apparatus The confirmation key of the corresponding simulation card apparatus of triggering executes corresponding operation with the control instruction issued based on server-side.
Optionally, equipment APP can also dial or inquire service calls in addition to above-mentioned function, carry out on-line consulting, equipment It reports for repairment, check that commodity are preferential, connect the functions such as purchase commodity by commodity shopping guide, be not specifically limited herein.
Optionally, of course, if simulation card apparatus has stronger data processing function, and there is corresponding hardware Such as supported with display, key etc., it can be directly by simulation card apparatus logging device APP in the simulation card apparatus Analog card application be managed, can specifically be designed, be not specifically limited herein according to the actual situation.
Optionally, in certain embodiments, the simulation card apparatus 101 is based on the information acquisition request, described will appoint One analog card is sent to any analog card using corresponding user's registration information specifically can be with using corresponding terminal device It is to determine the information acquisition request corresponding service type；Determine any analog card using corresponding user's registration information In user's registration sub-information corresponding with the service type；The user's registration sub-information is sent to any simulation Card applies corresponding terminal device 102.
Any analog card is used to carry out business processing based on the user's registration information using corresponding terminal device Specifically, business processing is carried out based on the user's registration sub-information.
Optionally, in certain embodiments, the simulation card apparatus 101 determines the equipment interactive information corresponding with service Type is specifically to determine that the corresponding service type of the interactive information is identity authentication service.
The simulation card apparatus determine any analog card using in corresponding user's registration information with the service class The corresponding user's registration sub-information of type is specifically to determine any analog card application corresponding with the identity authentication service User's registration sub-information is subscriber identity information.
Optionally, in certain embodiments, any analog card is used for using corresponding terminal device based on described User's registration sub-information carries out business processing, carries out subscriber authentication processing based on the subscriber identity information.
In practical application, identification card number can be divided into according to different application scenarios subscriber identity informations, employee number, referred to Line information, certification code key, student's identity card number etc., including but not limited to above- mentioned information.Therefore, for different application scene and difference The business processing of subscriber identity information terminal device is also not quite similar, as described below.
Optionally, under a certain application scenarios, for example, into specific public domain, such as station, airport, natural science The ground such as shop, government department need to carry out authentication, apply corresponding terminal device by any authentication, need to obtain It simulates in card apparatus, which is identification card number using corresponding user's registration sub-information.
Optionally, under a certain application scenarios, for example, being beaten by any check card using corresponding punched-card machine progress employee Card needs to obtain in simulation card apparatus, which is employee number, carry out person Work goes to work or comes off duty and checks card.
Optionally, under a certain application scenarios, for example, passing through any insurance application or any housing property management registration application Etc. corresponding terminal device, the finger print information for needing to obtain user carries out insurance contract signing or estate trade contract signing etc.. Therefore, it is necessary to obtain any insurance application of this in simulation card apparatus or any housing property management registration to apply corresponding user's registration Sub-information is finger print information.
Optionally, under a certain application scenarios, for example, on the dormitory of school, library, laboratory and other places, in order to guarantee The identity information of the security needs verifying user of student and equipment, then any student card applies corresponding terminal device, needs It obtains in simulation card apparatus, which is student's identity card number using corresponding user's registration sub-information.
Optionally, under a certain application scenarios, for example, user, which wants opening electronic lock, can be (home intelligent lock, vapour Vehicle electronic lock etc.), then any electronic lock needs to obtain in simulation card apparatus using corresponding electronic lock, which answers It is certification code key with corresponding user's registration sub-information, which verifies the certification code key, is proved to be successful electronic lock It automatically opens.
Optionally, in certain embodiments, the simulation card apparatus 101 determines the corresponding clothes of the equipment interactive information Service type is specifically to determine that the corresponding service type of the interactive information is transactional services.
The simulation card apparatus determine any analog card using in corresponding user's registration information with the service class The corresponding user's registration sub-information of type is specifically to determine any analog card application corresponding with the identity authentication service User's registration sub-information is account information.
Optionally, bank card can be divided into using corresponding card number, water according to different application scenarios subscriber identity informations The corresponding card number of card application, electric card are corresponded to using corresponding card number, member card using corresponding card number, the application of public transport card Card number, the account number of electronic wallet application, accumulating card application card number etc., including but not limited to above- mentioned information.Therefore, right It is also not quite similar in different application scene and difference with the business processing of account information terminal device, as described below.
Optionally, under certain application scenarios, for example, leading to after user does shopping or has a meal to market, supermarket, restaurant Cross POS machine carry out financial payment, at this point, POS machine need obtain simulation card apparatus in, any bank card using corresponding card number, Or the corresponding account number of stored value card.
At this point, the transactional services may include financial payment service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out financial payment processing based on the account information.
Optionally, after customer consumption is complete, integral service can be carried out according to spending amount, at this point, passing through any accumulating card Using corresponding terminal device, obtains any accumulating card in simulation card apparatus and apply corresponding card number, and will integral amount storage To any accumulating card using in corresponding card number.
At this point, the transactional services may include integral service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out user integral processing to the account based on the account information.
It optionally, is the member in the market, supermarket or restaurant before user carries out financial payment business processing, such as Member can enjoy eighty percent discount, then can preferentially by it is any can block obtain the analog card using corresponding terminal device and set Any member card applies corresponding card number in standby, so as to enjoy corresponding member's equity.
Therefore, the transactional services may include user's right service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to obtain corresponding user's right based on the account information, and carry out financial payment friendship based on the user's right Easily.
Optionally, under a certain application scenarios, for example, buying electricity by the corresponding self-help ticket-buying machine of any token applications Sub- ticket (air ticket, train ticket, film ticket, show ticket, sight spot admission ticket etc.), self-help ticket-buying machine need to obtain in simulation card apparatus, Any bank card applies corresponding card number or the corresponding account number of stored value card, carries out booking.For example to certain special tickets Air ticket, train ticket etc. can also obtain subscriber identity information simultaneously and carry out booking or replace electronic bill.
It therefore, may include ticket service in the transactional services；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out the purchase of electronic bill based on the account information or replace processing.
Optionally, under a certain application scenarios, user is in some application platforms such as game website, social network sites, more matchmakers Body website can also carry out a card purchase, namely purchase ideal money carries out virtual trading.Optionally, any point card application pair The point card terminal answered needs to obtain in simulation card apparatus any point card using corresponding card number, the point card application can in advance with Stored value card or the application binding of any bank card are realized and buy virtual point card in the corresponding card number of respective point card application.
Therefore, the transactional services may include a card service；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out card purchase or a payment processing based on the account information.
Optionally, under a certain application scenarios, user wants to pay water rate or the electricity charge, then passes through the water card in any city Using or electric card apply corresponding terminal device, obtain simulation card apparatus in any city water card application or electric card application pair Answer card number.Water card application or electric card application are bound with stored value card or the application of any bank card in advance, are realized in corresponding water card Using or electric card application corresponding card number in charges for water and electricity pay.
Therefore, the transactional services may include the service of paying of life expenditure；
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to carry out life expenditure payment processing to the account based on the account information.
In practical application, no matter any analog card application belongs to on-line Application or off line application, requires to obtain corresponding Transaction code key encrypted or verified, to guarantee the safety of process of exchange.Optionally, in certain embodiments, described One analog card application counterpart terminal equipment is also used to send transaction code key acquisition request to the simulation card apparatus；Described in reception It simulates any analog card that card apparatus is sent and applies corresponding transaction key.
For off line application, which needs to verify transaction code key using corresponding terminal device, verifies Success is carrying out fee deduction treatment, such as public transport card application.Therefore any analog card applies corresponding terminal device base Carrying out business processing in the user's registration sub-information is specifically to verify the transaction code key；If be proved to be successful, it is based on institute User's registration sub-information is stated to carry out corresponding business processing and store corresponding service handling information.
For on-line Application, the corresponding terminal device of the on-line Application needs raw using the transaction secret key pair obtained At business processing request be encrypted, and carry out signature authentication, be then sent to the request of encrypted business processing Server-side.Server-side is decrypted business processing request according to preset protocol, carries out at corresponding business after decryption Reason.Therefore, any analog card is based on the user's registration sub-information using corresponding terminal device and carries out business processing tool Body is to generate business processing request based on the user's registration sub-information；It is asked based on business processing described in the transaction secret key pair It asks and is encrypted；The request of encrypted business processing is sent to server-side 103.
Optionally, in certain embodiments, which can also provide the service of the logical card transaction.Logical card (Token) it applies in block chain field, refers to that negotiable encrypted digital right benefit proves, can be reference coin in the narrow sense.This Apply in embodiment, block chain technology can be used to realize logical card transactional services, which can be for special The logical card wallet application of the logical card of door storage only stores the private key of user due to the particularity of logical card transaction in logical card wallet application Information.It is logical to demonstrate,prove the corresponding terminal device of wallet application, it needs to obtain and leads to the corresponding user's note of card wallet application in simulation card apparatus Book information is private key information.
Therefore, the simulation card apparatus determines that the information acquisition request corresponding service type is specifically to determine the letter Ceasing the corresponding service type of acquisition request is logical card service.
The simulation card apparatus determine any analog card using in corresponding user's registration information with the service class The corresponding user's registration sub-information of type is specifically to determine the user of the corresponding any analog card application of the logical card service Sub-information is registered as private key information.
Any analog card is used to carry out at business based on the user's registration sub-information using corresponding terminal device Reason is specifically to be based on the private key information, obtain the corresponding account address of the private key information and trading signature authentication information； Business processing is carried out based on the account address and the trading signature authentication information.
Optionally, in certain embodiments, any analog card applies corresponding terminal device based on the account It is specifically to be recognized based on the account address and the trading signature that location and the trading signature authentication information, which carry out business processing, Card information carries out logical card trading processing.
Terminal device gets logical card wallet address and the transaction that can obtain user after private key information based on private key information Signature authentication information generates business processing request based on logical card wallet address and trading signature authentication information；Concurrently at the business Reason is requested to server-side.
Server-side carries out leading to card transaction after verifying trading signature certification based on the logical card wallet address.
The various interests proof of practical real world can realize Token such as equity, bond, integral, bill Change, carries out logical card transaction.And the exceptionally high degree of trust system of block chain decentralization is inherited based on the transaction of the logical card of block chain technology With height circulation systems, practical equity value can also be carried, is a kind of safer, believable transaction approach, mentions significantly The high safety of information exchange.
As a kind of achievable application scenarios, user is lower online or line on consume or some interactive scenes in, can lead to The logical card of reward is crossed such as can be token, integral, discount coupon, user is made to obtain corresponding user's right.
It is understood that the above-mentioned business processing application scenarios that the application embodiment provides are only to illustrate, reality Traffic handing capacity is related to the traffic handing capacity that the application of corresponding analog card is supported, including but not limited to above-mentioned business processing Scene.
In practical application, the application scenarios for simulating card apparatus include but is not limited to above content, and the embodiment of the present application is only It is illustrated by above-mentioned application scenarios.
Optionally, in certain embodiments, which can also include the operation management system of simulation card apparatus, It is the management end towards administrative staff's entrance.Administrative staff can set the analog card sold by the operation management system It is standby to be managed, and user is managed and is serviced, while can realize that corresponding analog card application is configured and manages, it is right Transaction is counted and is analyzed, and grasps the operation conditions of the ecosystem of simulation card apparatus comprehensively.
Administrator can also be managed device manufacturer and retailer application provider etc. by equipment management system, Such as the address to manufacturer, legal person, title, industry, resistance value mechanism coding, contact person, telephone number, buying situation and sale Situation etc. is recorded and is managed.Manufacturer's setting blacklist that can also be lower or illegal by credibility etc..
It can be also used for the function of being mainly used for management simulation card apparatus classification to equipment classification management.Device class pipe Reason is equivalent to application class management, in order to preferably distinguish using corresponding equipment
It can be also used for device parameter management, device class information be arranged by device parameter management, works as newly added equipment Increase selection device class when information, and increases the description to newly added equipment parameter.
It can be also used for analog card equipment management, be mainly used for the registration of new equipment, equipment state tracks, the jelly of equipment Knot, the defrosting of equipment and the management of equipment blacklist.
Simultaneously can be in the equipment management of analog card, the sales volume of certain model device, distributed areas and use in association Situation.It, can also intuitive query analysis class equipment Market by managing the market sale and service condition of single model device Sales situation and applicable cases.
The application and version number that setting is recommended to use in analog card, can be by analog card equipment management, and can view The application downloaded in the equipment and number, to analyze the hobby and market sale trend situation of user.
Business rule can also be formulated, such as device sales, the record that activates, report for repairment, returning factory, service mode, and can be looked into Ask the inquiry for activating date, production batch, exclusive identification code etc. of simulation card apparatus
All installable application software in card apparatus, main management application can also be simulated by management user management Restocking, using update, using undercarriage, all applications all need to be associated with supplier.The restocking applied in application management, undercarriage And application more new capital needs main duty department for review, can carry out corresponding operation after the approval.
And can be searched out by querying condition in application management certain a kind of or some application download, activation amount, Discharging quantity, using volumes, the update cycle and income situation, to operation personnel analyze application market trend.
Optionally, information exchange can also be carried out with the equipment APP of user, receives the on-line consulting of user, reports for repairment online And technical support etc. is in order to providing more perfect after-sales service for user.
It above are only schematic description, situation and corresponding function pipe is embodied in including but not limited to above-mentioned function management Reason can be set according to the actual situation, be not specifically limited, numerous to list herein.
In the embodiment of the present application, by increase server-side, it can be achieved that on-line Application business processing, and can realize simulation The management of any analog card application and the operation management of simulation card apparatus in card apparatus.Meanwhile by schematically illustrate, the simulation Card apparatus may be implemented more scenes, mostly application, multiple types, belong to more without card apply.So as to be provided easily for user Service brings great convenience to user's life.
Fig. 4 is a kind of structural formula schematic diagram of one embodiment for simulating card apparatus provided by the embodiments of the present application.The mould Quasi- card apparatus can be applied to no card interactive system, and the simulation card apparatus may include microcontroller 401 and the micro-control The NFC that device 401 processed connects controls mould group 402.
The microcontroller 401 is for running multiple analog card applications.
Optionally, which is the trusted processes unit for simulating card apparatus, can integrate CPU, memory The perimeter interfaces such as (ROM RAM), counter, USB interface, serial ports, UART interface, DAM, other mould groups by perimeter interface with Microprocessor 401 docks.Simulating the application program run in card apparatus in practice can save in memory, answer after booting It is read into memory with program by the main control unit of microcontroller.
In hardware selection, microcontroller can be the STM32L476JGY6BTR of ST Microelectronics, preferential to select Low-power consumption series, CORTEX M4 kernel, 32bit processor, 100DMIPS, 128KRAM, 1 USB interface, 3 SPI interfaces, Meet configuration needs.
Optionally, in certain embodiments, which can also include memory, for storing multiple simulations Card application and its data.
Optionally, which can be FLANSH memory, which can also need memory region according to application It divides, in addition to the identification information for saving simulation card apparatus itself, different, separate storage region can also be divided according to demand Give each analog card application.
Any analog card that the NFC control mould group 402 is used to receive in pre-determined distance connects using corresponding terminal device Connect request；Based on the connection request, establishes and be wirelessly connected using corresponding terminal device with any analog card；It receives Any analog card applies the information acquisition request of corresponding terminal device transmission and sends the information acquisition request to institute State microcontroller；It receives any analog card that the microcontroller is sent and applies corresponding user's registration information；Send institute User's registration information is stated to any analog card using corresponding terminal device.
In practical application, the NFC control mould group for simulating card apparatus can also be the transmission of information acquisition request, i.e. conduct One terminal device is established near-field communication with the NFC mould group of another simulation card apparatus and is connect, or establishes with other NFC devices Near-field communication connects here, being not specifically limited.
The NFC controls mould group in hardware selection, can choose the PN65T of model NXP company, which can support Card reader, writer, card analog functuion support following popular protocol: ISO/IEC 14443A, ISO/IEC 14443B, Feilca, MIFARE can satisfy different demands for interconnection.
In practical application, also simulation card apparatus be can integrate on a pcb board, and configured with relevant structure and firmly Part device such as NFC antenna is highly integrated hardware module component.It therefore, can be by the mould for the ease of user's carrying Quasi- card apparatus is made into the form of key chain, such as to be made into its shape such as automobile key string shape small and exquisite easy to carry.Certainly may be used also To be integrated in intelligent electronic device, such as in the equipment such as smart phone, smartwatch, electronics bracelet, earphone, certainly also The design that can be other forms is for example mounted to ring or bangle is medium, can also can independently set according to actual needs Appearance forrns are counted, are not specifically limited herein.
In the embodiment of the present application, provides and can be applied to one of no card interactive system simulation card apparatus, the analog card Equipment has integrated level height, small in size, easily embedded advantage, can be embedded into key chain, intelligent electronic device or other equipment Middle use can also be independently operated, to meet without the interaction demand in card interactive system.
Fig. 5 is a kind of structural formula schematic diagram of another embodiment for simulating card apparatus provided by the embodiments of the present application.Institute Simulation card apparatus is stated in addition to including microcontroller 401 described in Fig. 4 embodiment and NFC control mould group 402, it can be with Including security control mould group 403 and telecommunication mould group 404.
The NFC control mould group 403 is connect by the security control mould group with the microcontroller, the safety control Molding group is for realizing the safe place to the application of any analog card and relative users registration information that run in the microcontroller Reason.
Security control mould group completes the function of analog card application under the cooperation with NFC control mould group, receives and sends micro- The corresponding related data of controller, application memory instruction, realize the safe handling of data and application.It can be responsible for realizing analog card It is applied in equipment and the secure storage of data, Encryption Algorithm decipherment algorithm function, to realize simulation card apparatus and any analog card Using the secure interactive of corresponding terminal device.
The security control mould group can be embedded into the PN65T of NFC mould group selection model NXP company in hardware selection In, which can be compatible with ESE encrypting module simultaneously, support ETSI/SCP R9 standard, meet required by financial payment function Safety.
The telecommunication mould group 404 is connect with the microcontroller to be connect for establishing narrowband Internet of Things with server-side.
Telecommunication mould group mould group can be NB-IoT communications module i.e. narrowband wireless communication unit (preferential selection), use In network data transmission.It is communicated by USB and serial ports with MCU, and MCU is executed at correlation by sending AT instruction control mould group Reason task.
On hardware selection, what is selected be concrete model can be SIM7000C, multifrequency LTE-FDD and double frequency GPRS/ The NBIOT mould group of EDGE.The mould group uses SMT encapsulation, supports LTE CAT-M1 (eMTC), NB-IoT and GPRS/EDGE, number Can reach 375Kbps according to transmission speed, low-power consumption: PSM mode is 9uA, sleep mode 1.3mA, available frequency band packet It includes LTEBand3 (1800MHz), Band8 (900MHz), GPRS/EDGE Band3, Band8 etc..
In the embodiment of the present application, the security control mould group provided can guarantee to simulate card apparatus and any analog card application The safety of the information interaction of corresponding terminal device, the analog card application being further ensured that are traded safer.Lead to simultaneously It crosses long-range communications module foundation and the Internet of Things of removing of server-side communicates to connect, on the basis of guaranteeing message transmission rate, into One step ensures the reliability communicated between simulation card apparatus and server-side, and then establishes one kind in many ways for simulation card apparatus Trust data encryption, can not distort, the secure interactive process that data unanimously store.It provide the user a kind of safer branch Mode and mode of doing business are paid, the safety guarantee of user is substantially increased.
Fig. 6 is a kind of structural formula schematic diagram of another embodiment for simulating card apparatus provided by the embodiments of the present application.Institute Stating simulation card apparatus and removing includes microcontroller 401 described in Fig. 5 embodiment, NFC control mould group 402, security control mould group 403 and telecommunication mould group 404 except, further include the positioning module 405 being connect with the microcontroller 401；With the micro-control The fingerprint mould group 406 of 401 connection of system；Connect with microcontroller 401 indicator light control mould group 407 and with the microcontroller The button that device 401 connects controls mould group 408.
The positioning module 405 is used to receive the positioning instruction that the microcontroller is sent；It is adopted based on the positioning instruction Collection current location information simultaneously sends the current location information to the microcontroller 401.
The microcontroller 401 is for controlling the positioning module acquisition current location information；And by described long-range logical Letter mould group 404 sends the current location information to the server-side.
In practical application, positioning module 405 can be the positioning modules such as GPS or Beidou.It obtains location information can be by Other mould groups obtain, and can be used for the business processing of built-in application, set for example, server-side can get the analog card in real time Standby location information simultaneously feeds back the end equipment APP for arriving user, in order to when losing the simulation card apparatus based on location information into Row is found.
The fingerprint mould group 406 is used to read the finger print information of user and sends the finger print information to the microcontroller Device 401.
The microcontroller 401 is based on the finger print information and carries out finger print identifying or fingerprint storage processing.
After fingerprint mould group acquires user fingerprints information and stores, user, which can be set, carries out message by the fingerprint mould group Confirmation, authentication, switching on and shutting down control etc..It can also be answered using the finger print information as user's registration information with corresponding analog card With being associated.
The indicator light control mould group 407 is controlled based on the driving instruction control of the microcontroller with the indicator light The indicator light of mould group connection shows corresponding light signal.
Simulation card apparatus can be interacted by light signal and user, it is main by indicator light control mould group 407 and External indicator light is realized.Different colours are lighted and shown by indicator light, can be used for function confirmation prompt and information alert, 1) function prompt has for example initiated telecommunication, and prompt in the communications；2) prompt of the transmission of alarm signal is completed；3) Transaction communications confirmation near field starts to prompt；4) prompt of near field transaction communications success or failure.Information alert such as 1) analog card The functional fault of any mould group of equipment；2) battery capacity is insufficient or full of prompt etc..It can specifically be handed over according to actual functional capability and information It is mutually configured, is not specifically limited herein.
Optionally, in practical application, the microcontroller is also used to run self-diagnostic function application.
The self-diagnostic function applies the working condition for monitoring each mould group in the simulation card apparatus；Based on each mould Group working condition generates status indication information and sends the status indication information to the microcontroller.
The microcontroller is based on the status indication information and generates driving instruction, and exports the driving instruction to institute Indicator light mould group is stated, shows corresponding light signal to control the indicator light of the indicator light control mould group connection.Based on autodiagnosis Disconnected functional application is matched with indicator light mould group, can working condition to a functional module for simulating card apparatus, working condition into Row distinguishes and confirmation.
Optionally, in certain embodiments, the microcontroller is also used to run watchdog function application.
The watchdog function is applied for being set to the analog card when monitoring the simulation card apparatus appearance exception Standby execute resets operation.
Specifically, house dog application is mainly used for simulating the monitoring of application program in card apparatus, can guarantee hardware fortune During row, because being caused the reasons such as internal storage data confusion, program pointer mistake by various interference, when falling into endless loop, It is restarted automatically hardware, realizes the reset work of hardware.
The button control mould group 408 is used to detect the triggering state of any key；And send the touching of any key Hair-like state is to the microcontroller；
The microcontroller executes corresponding operation based on the triggering state of any key.
User can simulate card apparatus by controlling the extraneous button control of mould group 408 with button.By button and I just Control mould group combines, it can be achieved that function may include the initiation that 1) control simulation card apparatus carries out telecommunication, to realize simulation The interaction of card apparatus and background system；2) after control simulation card apparatus reads present bit confidence, by location information and alarm signal It is sent to background system；3) control simulation card apparatus carries out the confirmation of near-field communication, to realize simulation card apparatus and any simulation The interaction of the corresponding terminal device of card application.It can be specifically configured according to actual functional capability, be not specifically limited herein.
Each mould group of the simulation card apparatus can be in highly integrated to one PCB substrate, and it is corresponding that each mould group is arranged Interface is illustrated in figure 7 a kind of achievable design of simulation card apparatus, can be embedded by Peripheral Interface any In intelligent electronic device.Wherein, Peripheral Interface may include fingerprint mould group interface, power supply power supply interface, push-button interface, instruction Lamp interface, NB-IoT antennal interface, GPS antenna interface and NFC antenna interface and IO bus interface, for taking office with insertion Corresponding assembly connects in one intelligent electronic device.It is, of course, understood that Fig. 7 is only schematic description, including but unlimited In above-mentioned interface and image appearance.Optionally, which can also be the hardware module of autonomous working, such as scheme Shown in 8.The simulation card apparatus can also include that power supply control mould group is used to be powered management to each mould group.And it is external corresponding Hardware module.For example, the NFC antenna external with NFC control mould group, the external NB-IoT antenna with telecommunication mould group, with The external GPS antenna of positioning module, with the indicator light external indicator light of control mould group and with external outer of button control mould group Boundary's button.It can also include the battery external with power supply control mould group.
It is understood that only schematically providing function of the simulation card apparatus realization substantially without card interaction demand above Mould group, including but not limited to above-mentioned functional module group.
As needed, which may also include display module, audio mould group, touch module etc., realize analog card Display function, audio playing function, touch-control input function of equipment etc., are not specifically limited herein, can according to actual needs into Row setting
In the embodiment of the present application, mould group is controlled by positioning module, fingerprint mould group, indicator light and button controls mould group etc. The further perfect functional application and realization of the simulation card apparatus, and key can be passed through and light realizes that the information of user is handed over Mutual and information alert, while to realize that simulation card apparatus is laid a good foundation as separate functional blocks, and to simulate card apparatus Design and Features realization provides thinking.
In a typical configuration, calculate equipment include one or more processors (CPU), input/output interface, Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/ Or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any side Method or technology realize that information stores.Information can be computer readable instructions, data structure, the module of program or other numbers According to.The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory techniques, CD-ROM are read-only Memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage Or other magnetic storage devices or any other non-transmission medium, it can be used for storing and can be accessed by a computing device information.It presses It is defined according to herein, computer-readable medium does not include non-temporary computer readable media (transitory media), is such as adjusted The data-signal and carrier wave of system.
As used some vocabulary to censure specific components in the specification and claims.Those skilled in the art , it is to be appreciated that hardware manufacturer may call the same component with different nouns.This specification and claims not with The difference of title is as the mode for distinguishing component, but with the difference of component functionally as the criterion of differentiation.Such as exist The "comprising" of specification and claim mentioned in is an open language in the whole text, therefore should be construed to " include but do not limit In "." substantially " refer within the acceptable error range, those skilled in the art can solve institute within a certain error range Technical problem is stated, the technical effect is basically reached.In addition, " coupling " word includes any directly and indirectly electrical herein Coupling means.Therefore, if it is described herein that a first device is coupled to a second device, then representing the first device can be direct It is electrically coupled to the second device, or the second device indirectly electrically coupled through other devices or coupling means. Specification subsequent descriptions are to implement the better embodiment of the application, and so the description is the rule to illustrate the application For the purpose of, it is not intended to limit the scope of the present application.The protection scope of the application when regard appended claims institute's defender as It is quasi-.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability Include, so that commodity or system including a series of elements not only include those elements, but also including not clear The other element listed, or further include for this commodity or the intrinsic element of system.In the feelings not limited more Under condition, the element that is limited by sentence "including a ...", it is not excluded that in the commodity or system for including the element also There are other identical elements
Above description shows and describes several preferred embodiments of the present application, but as previously described, it should be understood that the application It is not limited to forms disclosed herein, should not be regarded as an exclusion of other examples, and can be used for various other groups Close, modification and environment, and can in application contemplated scope described herein, by the technology of above-mentioned introduction or related fields or Knowledge is modified.And changes and modifications made by those skilled in the art do not depart from spirit and scope, then it all should be In scope of protection of claims attached to this application.

Claims (27)

1. a kind of no card interactive system, which is characterized in that including running the simulation card apparatus for having the application of multiple analog cards and each A analog card applies corresponding terminal device；
The simulation card apparatus is used to establish with any analog card using corresponding terminal device and be wirelessly connected；It receives described any The information acquisition request that analog card applies corresponding terminal device to send；Based on the information acquisition request, by any mould Quasi- card is sent to any analog card using corresponding terminal device using corresponding user's registration information；
Any analog card is used to carry out business processing based on the user's registration information using corresponding terminal device.
2. system according to claim 1, which is characterized in that the system can also include setting respectively with the analog card Each standby and described analog card applies the server-side of corresponding terminal device connection；
Any analog card is based on the user's registration information to carry out business processing being specifically base using corresponding terminal device Business processing request is generated in the user's registration information；The business processing is sent to request to the server-side；
The server-side is requested based on the business processing, executes corresponding business processing and feedback traffic processing result to described Any analog card applies corresponding terminal device.
3. system according to claim 2, which is characterized in that
After the server-side receives any analog card using the business processing request of corresponding terminal device transmission, it is also used to The business processing confirmation message is sent to the simulation card apparatus；Receive the simulation card apparatus transmission is directed to the business Handle the response message of confirmation message；Judge whether to execute business processing operation based on the response message；If so, based on institute Business processing request is stated, executes corresponding business processing and feedback traffic processing result to the terminal device；If not, terminating Corresponding business processing；
The simulation card apparatus is also used to receive the response message triggered for the user's operation of the business processing confirmation message； And the response message is sent to the server-side.
4. system according to claim 1, which is characterized in that
The simulation card apparatus is based on the information acquisition request, and any analog card is applied corresponding user's registration information It is specifically to determine the information acquisition request corresponding with service class that any analog card, which is sent to, using corresponding terminal device Type；Determine any analog card using user's registration letter corresponding with the service type in corresponding user's registration information Breath；The user's registration sub-information is sent to any analog card using corresponding terminal device；
Any analog card is used to carry out business processing based on the user's registration information specific using corresponding terminal device It is that business processing is carried out based on the user's registration sub-information.
5. system according to claim 4, which is characterized in that the simulation card apparatus determines the information acquisition request pair Answering service type is specifically to determine that the corresponding service type of the information acquisition request is identity authentication service.
6. system according to claim 5, which is characterized in that
The simulation card apparatus determine any analog card using in corresponding user's registration information with the service type pair The user's registration sub-information answered is specifically the user's note for determining any analog card application corresponding with the identity authentication service Book information is subscriber identity information；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to carry out subscriber authentication processing based on the subscriber identity information.
7. system according to claim 4, which is characterized in that the simulation card apparatus determines the information acquisition request pair Answering service type is specifically to determine that the corresponding service type of the information acquisition request is transactional services.
8. the method according to the description of claim 7 is characterized in that
The simulation card apparatus determine any analog card using in corresponding user's registration information with the service type pair The user's registration sub-information answered is specifically the user's note for determining any analog card application corresponding with the identity authentication service Book information is account information.
9. system according to claim 4, which is characterized in that the simulation card apparatus determines the information acquisition request pair Answering service type is specifically to determine that the corresponding service type of the information acquisition request is logical card service.
10. according to the method described in claim 9, it is characterized in that,
The simulation card apparatus determine any analog card using in corresponding user's registration information with the service type pair The user's registration sub-information answered is specifically user's registration for determining the corresponding any analog card application of the logical card service Information is private key information；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to be based on the private key information, obtain the corresponding account address of the private key information and trading signature authentication information；Based on institute It states account address and the trading signature authentication information carries out business processing.
11. system according to claim 8, which is characterized in that
Any analog card application counterpart terminal equipment is also used to send transaction code key acquisition request to the simulation card apparatus； It receives any analog card that the simulation card apparatus is sent and applies corresponding transaction key；
Any analog card is based on user's registration sub-information progress business processing using corresponding terminal device, Verify the transaction code key；If be proved to be successful, corresponding business processing is carried out based on the user's registration sub-information and is stored Corresponding service handling information.
12. system according to claim 7, which is characterized in that the transactional services include financial payment service；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to carry out financial payment processing based on the account information.
13. system according to claim 7, which is characterized in that the transactional services include integral service；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to carry out user integral processing to the account based on the account information.
14. system according to claim 7, which is characterized in that the transactional services include ticket service；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to carry out the purchase of electronic bill based on the account information or replace processing.
15. system according to claim 7, which is characterized in that the transactional services include user's right service；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to obtain corresponding user's right based on the account information, and carry out financial payment transaction based on the user's right.
16. system according to claim 7, which is characterized in that the transactional services include point card service；
Any analog card is used to carry out business processing tool based on the user's registration sub-information using corresponding terminal device Body is to carry out card purchase or a payment processing based on the account information.
17. system according to claim 10, which is characterized in that
Any analog card using corresponding terminal device be based on the account address and the trading signature authentication information into Row business processing is specifically to carry out logical card trading processing based on the account address and the trading signature authentication information.
18. a kind of simulation card apparatus, which is characterized in that applied to no card interactive system, the simulation card apparatus includes microcontroller Device, the NFC connecting with the microcontroller control mould group；
The microcontroller is for running multiple analog card applications；
The NFC control mould group is used to receive any analog card in pre-determined distance using corresponding terminal device connection request； Based on the connection request, establishes and be wirelessly connected using corresponding terminal device with any analog card；It receives described any Analog card applies the information acquisition request of corresponding terminal device transmission and sends the information acquisition request to the microcontroller Device；It receives any analog card that the microcontroller is sent and applies corresponding user's registration information；Send user's note Volume information to any analog card applies corresponding terminal device.
19. system according to claim 18, which is characterized in that the simulation card apparatus further includes security control mould group；
The NFC control mould group is connect by the security control mould group with the microcontroller, and the security control mould group is used In any analog card application and the safe handling of relative users registration information of the realization to being run in the microcontroller.
20. equipment according to claim 18, which is characterized in that the simulation card apparatus also packet telecommunication mould group；
The telecommunication mould group is connect with the microcontroller to be connect for establishing narrowband Internet of Things with server-side.
21. equipment according to claim 20, which is characterized in that further include the positioning mould being connect with the microcontroller Group；
The positioning module is used to receive the positioning instruction that the microcontroller is sent；Present bit is acquired based on the positioning instruction Confidence ceases and sends the current location information to the microcontroller；
The microcontroller is for controlling the positioning module acquisition current location information；And it is sent out by the telecommunication mould group Send the current location information to the server-side.
22. equipment according to claim 18, which is characterized in that further include the fingerprint mould group being connect with the microcontroller；
The fingerprint mould group is used to read the finger print information of user and sends the finger print information to the microcontroller；
The microcontroller is based on the finger print information and carries out finger print identifying or fingerprint storage processing.
23. equipment according to claim 18, which is characterized in that further include the indicator light control mould being connect with microcontroller Group；
The indicator light control mould group is connect based on the driving instruction control of the microcontroller with indicator light control mould group Indicator light show corresponding light signal.
24. equipment according to claim 18, which is characterized in that further include the button control being connect with the microcontroller Mould group；
The button control mould group is used to detect the triggering state of any key；And send the triggering state of any key extremely The microcontroller；
The microcontroller executes corresponding operation based on the triggering state of any key.
25. equipment according to claim 23, which is characterized in that the microcontroller is also used to run self-diagnostic function and answers With；
The self-diagnostic function applies the working condition for monitoring each mould group in the simulation card apparatus；It is worked based on each mould group State generates status indication information and sends the status indication information to the microcontroller；
The microcontroller is based on the status indication information and generates driving instruction, and exports the driving instruction to the instruction Lamp mould group shows corresponding light signal to control the indicator light of the indicator light control mould group connection.
26. equipment according to claim 18, which is characterized in that the microcontroller is also used to run watchdog function and answers With；
The watchdog function is applied for being executed to the simulation card apparatus when monitoring the simulation card apparatus appearance exception Reset operation.
27. equipment according to claim 18, which is characterized in that the simulation card apparatus further includes memory；
The memory is for storing the multiple analog card application data run in the microcontroller.
CN201811457576.5A 2018-11-30 2018-11-30 Card-free interaction system and analog card equipment Active CN109544146B (en)

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