CN109547554A

CN109547554A - No card interactive system and simulation card apparatus

Info

Publication number: CN109547554A
Application number: CN201811457534.1A
Authority: CN
Inventors: 简东权; 何亦凡; 马晓军; 王岱辉; 肖英伟; 谭敏; 詹义
Original assignee: Beijing Jujube Science And Technology Co Ltd; China Mobile Communications Group Co Ltd; China Mobile Group Design Institute Co Ltd
Current assignee: Beijing Jujube Science And Technology Co Ltd; China Mobile Communications Group Co Ltd; China Mobile Group Design Institute Co Ltd
Priority date: 2018-11-30
Filing date: 2018-11-30
Publication date: 2019-03-29
Anticipated expiration: 2038-11-30
Also published as: CN109547554B

Abstract

This application discloses a kind of no card interactive system and a kind of simulation card apparatus, which includes server-side and the user terminal connecting respectively with server-side and simulation card apparatus.User terminal determines any analog card application to be downloaded of simulation card apparatus；Send any analog card application downloads request to server-side.Server-side sends the download instruction for the application of any analog card to simulating card apparatus based on downloading request.It simulates card apparatus and is based on download instruction from any analog card of server-side downloading using corresponding installation file；It is applied based on any analog card of installation file installation and obtains any analog card using corresponding user's registration information.Simulation card apparatus is interacted with any one analog card using corresponding terminal device, to realize based on any analog card using corresponding user's registration information and the equipment interactive information of any one analog card application counterpart terminal equipment, carries out business processing.The application can realize the interaction without card based on user demand.

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 systems, the use connecting including server-side and respectively with the server-side Family end and simulation card apparatus；

The user terminal is used to determine the simulation card apparatus any analog card application to be downloaded；It sends described any Analog card application downloads request to the server-side；

The server-side sends the download instruction for any analog card application to described based on the downloading request Simulate card apparatus；

The simulation card apparatus is based on the download instruction, from server-side downloading any analog card application pair The installation file answered；It is applied based on installation file installation any analog card and obtains any analog card application Corresponding user's registration information；

Wherein, the simulation card apparatus is interacted with any one analog card using corresponding terminal device, to realize base In any analog card using corresponding user's registration information and any one the analog card application counterpart terminal equipment Equipment interactive information carries out business processing.

It preferably, further include with any analog card using corresponding terminal device；

Any analog card is used to establish with the simulation card apparatus and be wirelessly connected using corresponding terminal device, real Now with it is described simulation card apparatus interaction.

Preferably, any analog card is using corresponding terminal device for connecting with the server-side；

The simulation card apparatus interacts specifically with any one analog card using corresponding terminal device, receives institute State the first information acquisition request that any analog card applies corresponding terminal device to send；It is asked based on first information acquisition It asks, any analog card is sent to any analog card using corresponding terminal using corresponding user's registration information Equipment；

Any analog card using corresponding terminal device be used for based on the user's registration information and it is described any one The equipment interactive information of analog card application counterpart terminal equipment carries out business processing.

Preferably, any analog card is based on the user's registration information using corresponding terminal device and carries out business Processing is specifically to generate the request of the first business processing based on the user's registration information and the equipment interactive information；Send institute The first business processing is stated to request to the server-side；The server-side is requested based on first business processing, is executed corresponding Simultaneously feedback traffic processing result to any analog card applies corresponding terminal device to business processing.

Preferably, the server-side receives the first business that any analog card applies corresponding terminal device to send After processing request, it is also used to send the business processing confirmation message to the simulation card apparatus；Receive the simulation card apparatus The response message for the business processing confirmation message sent；Judged whether at execution business based on the response message Reason operation；If so, requesting based on the business processing, corresponding business processing and feedback traffic processing result are executed to institute State 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.

Preferably, the simulation card apparatus is based on the first information acquisition request, by any analog card application pair It is specifically to determine first letter that the user's registration information answered, which is sent to any analog card using corresponding terminal device, Cease acquisition request corresponding service type；Determine any analog card using in corresponding user's registration information with the service The corresponding user's registration sub-information of type；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 interacts specifically with any one analog card using corresponding terminal device, The simulation card apparatus sends the second information acquisition request to any analog card and applies corresponding terminal device；Obtain institute State the equipment interactive information that any analog card applies corresponding terminal device；Send the equipment interactive information and described any Analog card is using corresponding user's registration information to the server-side；

The server-side is based on the equipment interactive information and the user's registration information carries out business processing；

Any analog card is used to receive the second information that the simulation card apparatus is sent using corresponding terminal device Acquisition request；Any analog card is sent using corresponding equipment interactive information to the simulation card apparatus.

Preferably, the server-side is based on the equipment interactive information and the user's registration information carries out business processing It is also used to send the service processing result using the simulation card apparatus to any analog card later using corresponding end End equipment；

Any analog card is also used to execute based on the service processing result corresponding using corresponding terminal device Processing operation.

Preferably, the simulation card apparatus sends the equipment interactive information and any analog card using corresponding User's registration information to the server-side is specifically to be corresponded to based on the equipment interactive information and any analog card application User's registration information generate the second business processing request；Second business processing is sent to request to the server-side；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically, It requests to carry out business processing based on second business processing.

Preferably, the simulation card apparatus sends the equipment interactive information and any analog card using corresponding User's registration information to the server-side is specifically to determine the equipment interactive information corresponding service type；It determines described any Analog card is using user's registration sub-information corresponding with the service type in corresponding user's registration information；It is set described in transmission Standby interactive information and the user's registration sub-information are to the server-side；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically, Business processing is carried out based on the equipment interactive information and the user's registration sub-information.

Preferably, any analog card of analog card device downloads is also used to give birth to after applying the success of corresponding installation file Successfully prompt information is downloaded using corresponding at any analog card；And send it is described download successfully prompt information to described Server-side；

The server-side be also used to send it is described download successfully prompt information to the user terminal；

The user terminal is updated based on the successfully prompt information of downloading for the simulation of downloading for simulating card apparatus Card list of application.

Preferably, the simulation card apparatus is based on also using after the installation file installs any analog card application success In the successful prompt information of installation that transmission is applied for any analog card to the server-side；Obtain any simulation Card applies corresponding user's registration information；

The server-side send it is described install successfully prompt information to the user terminal；Obtain what the user terminal was sent Any analog card applies corresponding user's registration information, and sends the user's registration information to simulating card apparatus；

The user terminal is updated based on the successfully prompt information of installing for the simulation of installation for simulating card apparatus Card list of application；User is received based on the user's note for having installed any analog card application input in analog card list of application Volume information.

Preferably, the server-side is also used to detect whether receive what the simulation card apparatus was sent in preset time For the installation success prompt information of any analog card application；If so, send it is described install successfully prompt information to institute State user terminal；If not, sending install failure prompt information for any analog card application to the user terminal；

The user terminal is also used to export the install failure prompt information.

Preferably, the simulation card apparatus installs any analog card based on the installation file and applies and obtain institute Stating any analog card, the server-side sends appoints for described using being also used to receive after corresponding user's registration information The activation instruction of one analog card application；Any analog card application is run based on the activation instruction；

The user terminal is generated based on user's operation described in the activation instruction for being directed to any analog card application and transmission Activation instruction is to the server-side.

Preferably, the simulation card apparatus is based on also using after activation instruction operation any analog card application In the activation success prompt information for generating any analog card application；Send it is described activate successfully prompt information to the clothes Business end；

The activation that the user terminal receives generation any analog card application that the server-side is sent successfully prompts to believe Breath；Based on the analog card list of application of activation for activating successfully prompt information update for the simulation card apparatus.

Preferably, the user terminal is also used to generate based on user's operation in the analog card application activating list The deactivated instruction of any analog card application simultaneously sends the deactivated instruction to the server-side；

The simulation card apparatus receives the deactivated instruction for any analog card application that the server-side is sent； Based on the deactivated instruction, any analog card application out of service.

Preferably, the user terminal, which is also used to generate based on user's operation, has installed analog card list of application for described In the application of any analog card unloading command；The unloading command is sent to the server-side；Receive what the server-side was sent For the unloading success prompt information of any analog card application；Corresponding institute is updated based on the successfully prompt information that unloads State the analog card list of devices of installation of simulation card apparatus；

The simulation card apparatus receives the unloading command for any analog card application that the server-side is sent； Any analog card application is unloaded based on the unloading command；If unloaded successfully, any analog card application is generated Unload successfully prompt information and send it is described unload successfully prompt information to the server-side.

Preferably, the user terminal is also used to receive that the server-side sends has installed analog card application for described The update prompt information of any analog card application in list；Export the update prompt information；It is directed to based on user's operation generation The more new command of any analog card application；The more new command is sent to the server-side；The server-side is received to send Being updated successfully prompt information and be updated successfully prompt information described in exporting for any analog card application；

The user equipment receives the more new command for any analog card application that the server-side is sent；From The server-side obtains the update file of any analog card application；Any simulation is updated based on the update file Card application；If any analog card application is updated successfully, generates and mentioned for any being updated successfully for analog card application Show and is updated successfully prompt information to the server-side described in information and transmission.

Preferably, the simulation card apparatus is also used to detect equipment of itself state and generating device status information；Send institute Device status information is stated to the server-side；

The user terminal is also used to obtain and show the device status information for the simulation card apparatus that server-side is sent.

Preferably, the user terminal is also used to generate at least one described in corresponding simulation card apparatus based on user's operation The transaction record inquiry request of analog card application；And the transaction record inquiry request is sent to the server-side；Described in reception The transaction record of the application of at least one analog card described in the correspondence that server-side is sent simultaneously is shown；

The server-side is looked into based on the transaction record of at least one analog card application described in the corresponding simulation card apparatus Request is ask, the transaction record of at least one analog card application is obtained.

Present invention also provides a kind of simulation card apparatus, and applied to no card interactive system, the simulation card apparatus includes micro- Controller, connect with the microcontroller and telecommunication mould group；

The telecommunication mould group is connect for establishing narrowband Internet of Things with server-side；Receive what the server-side was sent For the download instruction of at least one described analog card application；The download instruction is sent to the microcontroller；

The microcontroller is used to be based on the download instruction, downloads at least one described analog card from the server-side Using corresponding installation file；It is applied based on installation file installation any analog card and obtains any simulation Card applies corresponding user's registration information；Wherein, the simulation card apparatus applies corresponding terminal device with any one analog card It interacts, corresponding user's registration information and any one described analog card is applied based on any analog card to realize Using the equipment interactive information of counterpart terminal equipment, business processing is carried out.

Preferably, the simulation card apparatus further includes the NFC control mould group connecting with the microcontroller；

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；With it is described Any analog card is interacted using corresponding terminal device.

Preferably, any analog card described in the NFC control mould group interacts specifically using corresponding terminal device It is to receive the first information acquisition request that any analog card is sent using corresponding terminal device and send described first Information acquisition request is to the microcontroller；It receives any analog card that the microcontroller is sent and applies corresponding use Family registration information；The user's registration information is sent to any analog card using corresponding terminal device.

Preferably, any analog card described in the NFC control mould group interacts specifically using corresponding terminal device It is that the second information acquisition request for sending the microcontroller is sent to any analog card and sets using corresponding terminal It is standby；It receives the equipment interactive information that any analog card is sent using corresponding terminal device and sends the equipment interaction Information is to the microcontroller；

The telecommunication mould group is also used to receive the equipment interactive information and any mould that microcontroller is sent Quasi- card applies corresponding user's registration information；The equipment interactive information and the user's registration information are sent to the clothes Business end, to realize that the server-side is based on the equipment interactive information and the user's registration information carries out corresponding service processing.

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.

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 any one the described 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, including server-side and respectively with institute State the user terminal and simulation card apparatus of server-side connection.The user terminal is used to determine that the simulation card apparatus to be to be downloaded and appoints One analog card application；Send any analog card application downloads request to the server-side.The server-side is based on described Downloading requests to send the download instruction for being directed to any analog card application to the simulation card apparatus.The simulation card apparatus Based on the download instruction, any analog card is downloaded from the server-side and applies corresponding installation file；Based on the peace Dress file installs any analog card and applies and obtain any analog card using corresponding user's registration information.Wherein, The simulation card apparatus is interacted with any one analog card using corresponding terminal device, is based on any mould to realize The equipment interaction letter of the quasi- card corresponding user's registration information of application and any one the analog card application counterpart terminal equipment Breath carries out business processing.No card interactive system provided by the present application, user can by user terminal according to self-demand by institute Corresponding analog card application installation need to be serviced into simulation card apparatus, based on simulation card apparatus and the application pair of each analog card The terminal device building answered without card interactive system, can be right applied to its by running any one analog card in simulation card apparatus Terminal device is answered to carry out being wirelessly connected the service that the service card that can be obtained and accordingly simulate provides, to realize the nothing in life While the interaction of card, meet the personalized service demand of user, 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 structural schematic diagram of another embodiment of no card interactive system of the embodiment of the present application；

Fig. 4 is a kind of structural schematic diagram of another embodiment of no card interactive system of the embodiment of the present application；

Fig. 5 is a kind of structural schematic diagram of one 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 a kind of structural schematic diagram of another embodiment of simulation card apparatus of the embodiment of the present application；

Fig. 8 is the structural representation of an embodiment of the simulation card apparatus that one kind of the application embodiment can embed Figure；

Fig. 9 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 server-side 101 and the user terminal 102 connecting respectively with the server-side 101 and simulation card apparatus 103.

The user terminal 102 is used to determine the simulation card apparatus any analog card application to be downloaded；Send described appoint The application of one analog card downloads request to the server-side 101.

The server-side 101 is directed to the download instruction of any analog card application extremely based on the downloading request transmission The simulation card apparatus 103.

Server-side may include application management platform in practical application, the user terminal 102 can be mobile phone, computer, Intelligent wearable device etc. is equipped with the smart machine of the corresponding equipment APP (application program) of simulation card apparatus.User is by being somebody's turn to do Smart machine can log in management and monitoring of the analog card using corresponding equipment APP realization to simulation card apparatus.Specifically may be used The registering and logging of equipment APP is carried out with the unique identifier based on simulation card apparatus.Real process can be user and be based on using Name in an account book or cell-phone number or mailbox etc. carry out user's registration and by the user name or cell-phone number or mailbox that obtain after registration and users Simulation card apparatus unique identifier binding, user can realize the management that apply to analog card, realization by equipment APP Simulate the management of analog card application and equipment management in card apparatus.In practical application, application management platform can also be to analog card The unique identifier of equipment is identified, judges that backstage is recorded with the presence or absence of the factory of the equipment, can if it fails to match Feedback device APP matching result, to inform that user's equipment is not present；If successful match, feedback device APP matching knot Fruit, to inform user registration success.When user possesses multiple simulation card apparatus, multiple simulation card apparatus can be bound simultaneously, To be managed to multiple simulation card apparatus.

Analog card is additionally provided in equipment APP using store, user can apply quotient by analog card based on demand for services City is searched for or searches any analog card application, and triggers the downloading request generated for the application of any analog card.Server-side receives After the downloading request applied to any analog card, generates and apply corresponding download instruction for any analog card, to be based on The download instruction controls the installation file of corresponding analog card device downloads any analog card applications and is installed.

The simulation card apparatus 103 is based on the download instruction, downloads any analog card from the server-side 101 Using corresponding installation file；It is applied based on installation file installation any analog card and obtains any simulation Card applies corresponding user's registration information.

In practical application, multiple analog card applications can be run by simulating in card apparatus 101, and multiple analog card application can Multiple analog card application is downloaded in simulation card apparatus by user terminal according to self-demand with being user.Optionally, institute State user's registration information can be user simulation card apparatus in install any simulation card apparatus after, user's registration information is also It can be through staff according to pre-set user information registering into the simulation card apparatus.It is, of course, also possible to be that user passes through The end equipment APP sends user's registration information to server-side, and server-side registers customers as information and is sent to simulation card apparatus storage, Or be also possible to user directly pass through simulation card apparatus input, be not specifically limited herein, can according to simulation card apparatus Both functional be configured.

It is understood that the user's registration information may include subscriber identity information, account information etc..And for not User's registration information with analog card application is all different, such as bank card may include using corresponding user's registration information Bank card number, user name, associated cell-phone number, identification card number etc.；Such as employee job card can using corresponding user's registration information To include employee's work number, department's coding, mechanism coding, user fingerprints information, head image information etc.；Such as accumulating card application corresponds to User's registration information may include integral card number, integral trade company, user mobile phone number, user's birthday etc..It actually can be according to difference The registration demand of analog card application, inputs corresponding user's registration information.

In practical application, if necessary to install any analog card application by staff, staff can be using specially Analog card equipment management terminal equipment log in any analog card application that administrator's application management platform is provided according to user and pacify Dress application and any analog card apply corresponding user information, which is installed to simulation card apparatus 103 In, and store corresponding user's registration information.The analog card equipment management terminal can be equipped with simulation card apparatus it is corresponding The computer equipment or other terminal devices of administrator's application management platform, are not specifically limited herein.The simulation card apparatus pipe Wireless connection can be established with simulation card apparatus by managing terminal, and 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 does not do herein It is specific to limit.

Optionally, in the embodiment of the present application, in order to guarantee analog card application and the safety of data, user terminal 102 needs The control and management to simulation card apparatus 103 are realized by server-side 101.Server-side 101 and simulation card apparatus 103, it is preferential to select It selects the narrowband Internet of Things established based on block chain technology and carries out telecommunication connection.The block chain established based on narrowband Internet of Things Technology can provide multi-party trusts, data encryption, can not distort, the technical capabilities such as data unanimously store, for mostly ownership, multiple types, More scenes establish safety guarantee without card interaction, to guarantee the safety of information exchange.

It is, of course, understood that safe, believable when can establish between user terminal 102 and simulation card apparatus 103 Data communication connection may be implemented user terminal 102 and be not necessarily to directly to realize control to simulation card apparatus 103 by server-side And management, at this point, user terminal can also be used as an application management terminal device and simulation card apparatus realizes near-field communication.Tool Body can be set according to the actual situation here, being not specifically limited.

Wherein, the simulation card apparatus 103 is interacted with any one analog card using corresponding terminal device, with reality Now set based on any analog card using corresponding user's registration information and any one described analog card application counterpart terminal Standby equipment interactive information carries out business processing.

In practical application, user wants to obtain the service that any analog card application provides, and needs any by being equipped with this The simulation card apparatus of analog card application is realized with the interaction of the terminal device of corresponding any analog card application.Pass through analog card The interaction of equipment and terminal device is realized based on any analog card using corresponding user's registration information and described any The equipment interactive information of a analog card application counterpart terminal equipment carries out business processing, obtains and is based on without card interaction bring just Benefit service.

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.

In the embodiment of the present application, a kind of no card interactive system is provided, is realized by user terminal and is appointed in simulation card apparatus The control of one analog card application downloading, thus by the application installation of analog card needed for user into the simulation card apparatus, so that Card apparatus, which must be simulated, can satisfy the individual demand of different user.Card apparatus is simulated to be based on described in installation file installation Any analog card is applied and obtains any analog card using after corresponding user's registration information, by with any analog card It is interacted using corresponding terminal device.Realize based on any analog card using corresponding user's registration information and The equipment interactive information of any one the analog card application counterpart terminal equipment carries out business processing.In the application embodiment The simulation card apparatus trip that user only needs carrying to meet user individual use demand can simply and quickly obtain its operation The convenient service that provides of any analog card application, bring great convenience to user's life.

Fig. 2-Fig. 4 is a kind of structural representation of another embodiment of no card interactive system provided by the embodiments of the present application Figure.The system except may include server-side 101, user terminal 102 described in Fig. 1 embodiment and simulation card apparatus 103 in addition to, It can also include with any analog card using corresponding terminal device 104.

Any analog card wirelessly connects using corresponding terminal device 104 for establishing with the simulation card apparatus 103 It connects, realizes the interaction with the simulation card apparatus 103.

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 104, 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.

Optionally, the connection of corresponding terminal device and server-side is applied according to any analog card, analog card is set Standby 103 apply corresponding terminal device 104 to interact from any analog card can be divided into following several different interaction sides Formula.

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 the electronics for meeting PBOC specification " Mifare " standard is applied and met to wallet application, the public transport card for meeting Ministry of Communications's urban public transport technical specification, Other off lines based on 13.56MHz apply such as automobile key application, access card application etc., include in the embodiment of the present application But unlimited above-mentioned analog card application.For supporting the analog card application of on-line Application to be mainly considered as online the answering of PKI certification With.The corresponding terminal device of following pairs of on-line Applications and off line using corresponding terminal device respectively with the simulation card apparatus Interactive process be described in detail.

Therefore, optionally interactive mode one, as shown in Fig. 2, any analog card apply corresponding terminal device 104 For being connect with the server-side 101.

In practical application, any analog card can be by wirelessly or non-wirelessly using corresponding terminal device and server-side Mode is connect with server-side.It is not specifically limited herein.

The simulation card apparatus 103 interacts specifically with any one analog card using corresponding terminal device 104, Receive the first information acquisition request that any analog card applies corresponding terminal device to send；Based on the first information Any analog card is sent to any analog card application using corresponding user's registration information and corresponded to by acquisition request Terminal device 104.

Any analog card is used to be based on the user's registration information and described using corresponding terminal device 104 The equipment interactive information of one analog card application counterpart terminal equipment 104 carries out business processing.

At this point, any analog card can not independently realize business processing using corresponding terminal device 104, need to generate Business processing request be sent to server-side 104, business processing request is based on by server-side 103 and carries out corresponding business Reason.

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.

Optionally, in certain embodiments, any analog card is based on described using corresponding terminal device 104 User's registration information carries out business processing, generates the based on the user's registration information and the equipment interactive information The request of one business processing；First business processing is sent to request to the server-side.

The server-side 101 is requested based on first business processing, is executed at corresponding business processing and feedback traffic It manages result to any analog card and applies corresponding terminal device 104.

When any analog card using corresponding terminal device can connect with server-side when, can will from simulate card apparatus It obtains user's registration information and server-side is sent to based on the corresponding equipment interactive information of present type of service state, by taking Business end carries out corresponding business processing.

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 understood that terminal device is based on that industry can also be generated after user's registration information generates business processing request Business processing confirmation request is simultaneously shown in the terminal device, after user's confirmation is errorless, is triggered the terminal device and is generated 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.

Optionally interactive mode two, as shown in figure 3, supporting the analog card of off line application using corresponding end for belonging to End equipment its do not connect with the server-side 101.

Optionally, in certain embodiments, the simulation card apparatus is set with any one analog card using corresponding terminal It is standby to interact specifically, receive the first information acquisition request that any analog card applies corresponding terminal device to send； Based on the first information acquisition request, any analog card is sent to described appoint using corresponding user's registration information One analog card applies corresponding terminal device.

For supporting the terminal device of off line application, can have the independent ability for carrying out business processing and therefore be not required to Equipment interactive information and user's registration information, which are sent to server-side, can be completed corresponding business processing.

Optionally, in certain embodiments, any analog card application counterpart terminal equipment is also used to send transaction Code key acquisition request is to the simulation card apparatus；Any analog card application that the simulation card apparatus is sent is received to correspond to 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.

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.

The application embodiment provides a kind of interaction for supporting off line using corresponding terminal device and simulation card apparatus Mode.The difference is that, terminal device also needs additionally to obtain in the application embodiment with achievable interactive mode one It simulates in card apparatus, the transaction code key of any analog card application independently carries out industry based on transaction code key and user's registration information Business processing, this process do not need the participation of server-side, and terminal device only needs to store corresponding hand over after the completion of business processing Easily record, and by administrative staff or the transaction record generated after the business processing is sent to clothes automatically under the conditions of networking The storage of business end.For for the terminal device realization and the nothing of simulation card apparatus of not supporting in no networking condition or networking Card interaction is provided convenience.

Optionally, in another case, since some safety factors limit or use environment limits, for example, terminal Use environment where equipment 104 does not have the condition of connection internet, for instance in the weaker environment of more remote, signal When, terminal device can not be connect with server-side realizes information exchange；Or terminal device is in unsafe network environment, Then terminal device cannot be protected with server-side by the indirect safety in internet.

Therefore, for any analog card using corresponding device end 104 do not have networking condition or in the case where, It also cannot achieve the independent ability for carrying out business processing simultaneously, therefore the embodiment of the present application provides a kind of optionally interaction side Formula.

Interactive mode three, as shown in figure 3, optionally, in certain embodiments, the simulation card apparatus and any one Analog card interacts specifically using corresponding terminal device, and the simulation card apparatus sends the second information acquisition request extremely Any analog card applies corresponding terminal device；Obtain the equipment that any analog card applies corresponding terminal device Interactive information；The equipment interactive information and any analog card are sent using corresponding user's registration information to the clothes Business end.

The server-side is based on the equipment interactive information and the user's registration information carries out business processing.

Wherein, the equipment interactive information can be any analog card using the equipment in corresponding terminal device Wherein facility registration information may include enrolled merchant, type of service, certification code key etc. to registration information.Optionally, described any Analog card can also include message input device using corresponding terminal device, for receiving the input information of trade company, wherein should Inputting information may include transaction interface type, such as correspond to type of transaction, transaction amount and the user's power of so-and-so bank interface Benefit etc..

It is when checking card equipment using corresponding terminal device for any analog card, such as patrol card terminal or door Prohibit card terminal etc., equipment interactive information can also include equipment id information (such as terminal device sequence number, device model, equipment MAC (Media Access Control, media access control) address etc.), device location information etc..It specifically can be according to reality Application scenarios are set, and are not specifically limited herein.

In practical application, each simulation that multiple analog cards are applied and stored can be run by simulating in card apparatus 103 Card applies corresponding user's registration information.The user's registration information, which can be, to be infused by staff according to pre-set user information Volume is into the simulation card apparatus.It is, of course, also possible to be that user installs in advance according to the use demand of itself and registration obtains , it is not specifically limited herein.

Simulation card apparatus 103 can be with the corresponding equipment interaction of the received second message acquisition request of automatic identification in practice Information, and judge whether that operation has corresponding analog card application.It specifically, can be by carrying the mould in equipment interactive information The corresponding certification code key of quasi- card application verified or equipment interactive information in the identification code of analog card application that carries into Row verifying.For example, each analog card application has preset certification code key, Shi Caihui only is proved to be successful by phase in certification code key The analog card answered is sent to corresponding server-side 101 using corresponding user's registration information；Either each analog card application is pre- It first sets unique identification code to be identified, only be stored when in the identification code carried in message acquisition request and simulation card apparatus Any analog card using corresponding identification code match, then by corresponding analog card using corresponding user's registration information transmission To server-side, interaction failure prompt information is returned if certification code key authentication failed or codes match failure to corresponding Terminal device may simulate accordingly card apparatus without operation or communication failure occur etc. to prompt user to simulate in card apparatus Abnormal conditions.

It is understood that can determine corresponding any simulation based on equipment interactive information in order to illustrate simulation card apparatus Block application user's registration information, this application provides above two concrete implementation mode, the application embodiment include but It is not limited to above two concrete implementation mode.

Optionally, in certain embodiments, the server-side 103 is based on the equipment interactive information and the user infuses Volume information can be also used for after business processing using the simulation card apparatus transmission service processing result to described Any analog card applies corresponding terminal device 102.

Any analog card is also used to execute phase based on the service processing result using corresponding terminal device 102 The processing operation answered.

By taking access card is using corresponding terminal device as an example, tested when server-side 103 is based on business processing request progress identity After demonstrate,proving successfully, transmission is proved to be successful information to the simulation card apparatus, this, which is proved to be successful information, can be unlocking cipher, such as Fixed private or dynamic verification code etc..Access card is based on this using corresponding terminal device and is proved to be successful message, opens gate inhibition couple User lets pass.

Optionally, in certain embodiments, the simulation card apparatus 101 sends the equipment interactive information and described One analog card specifically can be using corresponding user's registration information to the server-side, based on the equipment interactive information and Any analog card generates the request of the second business processing using corresponding user's registration information；It sends at second business Reason is requested to the server-side 101.

The server-side 101 is based on the equipment interactive information and user's registration information progress business processing is specific It is that business processing is carried out based on second business processing request.

In practical application, the request of the second business processing can be simulation card apparatus and be based on equipment interactive information and corresponding User's registration information generation is sent to server-side 101, is also possible to simulate the equipment interactive information and user that card apparatus will acquire It after registration information is sent to server-side, is generated by server-side, can specifically be set according to actual design requirement.

In the application embodiment, a kind of no card interactive system is provided, the simulation card apparatus can be any simulation Card is established after connection using corresponding terminal device sends second message acquisition request to corresponding terminal device automatically, thus Obtain the corresponding equipment interactive information of the terminal device.It simulates card apparatus and determines that any analog card is answered based on equipment interactive information User's registration information, and equipment interactive information is sent to clothes using corresponding user's registration information with any analog card Business end, so that server-side can carry out business processing based on the equipment interactive information and user's registration information.Since analog card is set Standby with server-side is the narrowband Internet of Things established based on block chain technology, and the block chain technology established based on narrowband Internet of Things It can provide multi-party trusts, data encryption, can not distort, the technical capabilities such as data unanimously store, for mostly ownership, multiple types, more Scene establishes safety guarantee without card interaction, thereby may be ensured that the safety of information exchange.

In practical application, no matter simulation card apparatus uses any friendship using corresponding terminal device with any analog card Mutual mode, when needing server-side to carry out business processing, it is similar that the process of business processing is carried out in server-side.

Optionally, the server-side receives the first business that any analog card applies corresponding terminal device to send After processing request, it is also used to send the business processing confirmation message to the simulation card apparatus；Receive the simulation card apparatus The response message for the business processing confirmation message sent；Judged whether at execution business based on the response message Reason operation；If so, requesting based on the business processing, corresponding business processing and feedback traffic processing result are executed to institute State terminal device；If not, terminating corresponding business processing.

Or optionally, it after the server-side receives the second business processing request that the simulation card apparatus is sent, 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 industry The response message of business processing confirmation message；Judge whether to execute business processing operation based on the response message；If so, base It is requested in the business processing, carries out business processing and feedback traffic processing result to the terminal device；If not, terminating Corresponding business processing；

In practical application, simulation card apparatus 103 can be configured with display screen, by showing that screen shows corresponding industry Business processing confirmation message, and it is configured with input module, such as physical button or fingerprint identification key etc., user pass through confirmation Key or finger print identifying triggering generate response message.Certainly, similarly service processing result can also be sent to by server-side 101 Simulation card apparatus carries out display or is prompted by indicator light, can be set according to the actual situation herein.

In practical application, for the first and second of interactive mode, optionally, the simulation card apparatus is based on described Any analog card is sent to any analog card using corresponding user's registration information by first information acquisition request It is specifically to determine the first information acquisition request corresponding service type using corresponding terminal device；Determine any mould User's registration sub-information corresponding with the service type in the corresponding user's registration information of quasi- card application；The user is infused Book information is sent to any analog card using corresponding terminal device.

After terminal device receives the user's registration sub-information that simulation card apparatus is sent, for supporting the mould of off line application Quasi- card applies corresponding terminal device, can be based on the corresponding equipment interactive information of the terminal device present type of service and use It registers sub-information and carries out business processing in family.For supporting the analog card of connection application to apply corresponding terminal device, optionally, Any analog card is based on the user's registration information to carry out business processing being specifically to be based on using corresponding terminal device The user's registration information and the equipment interactive information generate the request of the first business processing；Send first business processing It requests to the server-side.

The server-side is requested based on first business processing, executes corresponding business processing and feedback traffic processing As a result corresponding terminal device is applied to any analog card.

For the third interactive mode, optionally, the simulation card apparatus sends the equipment interactive information and described One analog card is specifically to determine the corresponding clothes of the equipment interactive information using corresponding user's registration information to the server-side Service type；Determine any analog card using user's note corresponding with the service type in corresponding user's registration information Book information；The equipment interactive information and the user's registration sub-information are sent to the server-side.

In practical application, simulation card apparatus is either based on first information acquisition request and is still based on equipment interactive information It determines the current service type of terminal device, can be all determined based on the information such as service type number or service type ID.It can be with Understand, when determining user's registration information, user's registration information may include multiple user's registration sub-informations, be based on information Interactive safety should determine user's registration sub-information according to minimum purchase project.Therefore, either first information acquisition is asked Ask or equipment interactive information in, can the information such as carried terminal device service style number or service type ID, in order to simulate Card apparatus determines the corresponding user's registration sub-information of current service type.

It is understood that after any analog card is determined using the current service status of corresponding terminal device The information such as respective service style number or service type ID are generated, as the partial information or equipment interaction in the first acquisition request Partial information in information is sent in simulation card apparatus.

Optionally, server-side 101 may include service process platform, be appointed for handling based on what simulation card apparatus was sent The business processing request that the equipment interactive information and user's registration information of one simulation card apparatus generate.The service process platform can To pass through the connection with core business processing module, bank's module and third party to connection module respectively of core routing 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 by service process platform issuing service processing result to corresponding simulation card apparatus and 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.

Optionally, service type can be determined according to analog card using available service, such as can be divided into body Part authentication service, transactional services, logical card service, the service of checking card etc., wherein, identity authentication service can be divided into worker and recognize Card, pupilage certification, the certification of VIP user authentication, electronic lock cipher authentication, intelligent terminal etc., can be by acquiring fingerprint, people Any authentication modes such as face, acquisition password, acquisition passport NO. are realized；Transactional services may include financial payment service, integral Service, ticket service, user's right service, point card service etc..Include in the application embodiment but unlimited with above-mentioned service Type can specifically be configured according to different usage scenario and use demand, not do specific restriction herein.

Optionally, in certain embodiments, the service type 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, obtain equipment using corresponding terminal device by any authentication Interactive information, the service type based on equipment interactive information are identity authentication service, determine that corresponding to identity in simulation card apparatus recognizes The user's registration information, such as finger print information, head image information, identification card number etc. of service are demonstrate,proved, server-side is based on equipment interactive information And the corresponding user's registration information that is stored in user's registration information and server database matched, if matching at Function then thinks authentication success, otherwise, authentication failure.

Optionally, under a certain application scenarios, for example, user is beaten by the intelligent electronic lock application in simulation card apparatus When opening corresponding intelligent electronic lock, simulation card apparatus needs to obtain the equipment interactive information of intelligent electronic lock, equipment interaction letter Breath can be the dynamic verification code or device id generated in real time.Service type based on the equipment interactive information is authentication Service determines that the user's registration information that identity authentication service is corresponded in simulation card apparatus is, for example, smart lock certification code key.Service End group determines that is stored in the database of server-side is somebody's turn to do in receiving the smart lock certification code key i.e. device id of intelligent electronic lock Whether the certification code key of intelligent electronic lock matches, if successful match, generates unlocking instruction；If it fails to match, range is recognized Card failure prompt information.

Optionally, under a certain application scenarios, for example, simulation card apparatus is applied by any insurance or any house property pipe The corresponding terminal devices such as reason registration application obtain equipment interactive information, determine the corresponding service type of equipment interactive information For contract signing service, the finger print information or signing messages for needing to obtain user carry out insurance contract signing or house deal is closed With signing etc..Accordingly, it is determined that obtaining any insurance application of this in simulation card apparatus or any housing property management registration using corresponding User's registration sub-information is user fingerprints information or user's signature information.Server-side is based on equipment interactive information and user's registration Information carries out the net label of insurance contract or house contract.

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.Terminal device is by identity Card number and equipment interactive information are sent to server-side, and server-side is proved to be successful return and is proved to be successful information, otherwise return to verifying and lose Information is lost, and is shown in terminal device.

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, terminal device needs to obtain any insurance application of this in simulation card apparatus or any housing property management registration application is corresponding User's registration sub-information is finger print 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 service type 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 and equipment interactive information is specifically to verify the transaction code key；If tested It demonstrate,proves successfully, corresponding business processing is carried out based on the user's registration sub-information and the equipment interactive information and is stored 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, then will encrypted first business processing request hair It send to server-side.Server-side is decrypted first business processing request according to preset protocol, carries out after decryption corresponding Business processing.Therefore, any analog card is based on the user's registration sub-information using corresponding terminal device and carries out industry Business processing is specifically to generate the request of the first business processing based on the user's registration information and the equipment interactive information；It is based on The request of first business processing described in the transaction secret key pair is encrypted；The request of encrypted first business processing is sent to Server-side.

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.

The server-side is used to carry out business processing tool based on the user's registration sub-information and the equipment interactive information 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；It is based on The account address and the trading signature authentication information carry out business processing.

Optionally, in certain embodiments, the server-side is based on the account address and trading signature certification letter Breath carries out business processing, carries out logical card trading processing based on the account address and the trading signature authentication information.

In practical application, any analog card be can be used for using corresponding terminal device based on user's registration It is specifically to be based on the private key information, obtain the private key information pair that information and the equipment interactive information, which carry out business processing, The logical card wallet address answered and trading signature authentication information；The is generated based on logical card wallet address and trading signature authentication information The request of one business processing；Concurrently first business processing 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.

Optionally, in certain embodiments, the service type is the service of checking card.

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 specifically can be, and determines and services corresponding any analog card application with described check card User's registration sub-information be subscriber identity information.

The server-side is based on the equipment interactive information and the user's registration sub-information carries out business processing and specifically may be used To be, checks card based on the equipment interactive information and subscriber identity information generation and handle request；Based on the processing of checking card Request stores record of checking card.

Optionally, under a certain application scenarios, for example, being beaten by any check card in simulation card apparatus using corresponding Card machine carries out employee and checks card, and simulation card apparatus obtains the equipment interactive information of the punched-card machine first, and determines equipment interaction letter Ceasing corresponding service type is the service of checking card, so that it is determined that the user's registration information of corresponding any application of checking card is employee number. Server-side records employee's checking card the time in the punched-card machine based on the employee number and the ID of punched-card machine terminal device, with the person of progress Work goes to work and/or comes off duty and checks card.

Optionally, it under a certain application scenarios, is gone on patrol safely for example, residential property personnel carry out cell, by corresponding After beat, carries out patrol and check card.Patrol is carried out using corresponding punched-card machine by the patrol card in simulation card apparatus to beat Card, the punched-card machine card can be the NFC terminal that can carry out position positioning, and property personnel go on patrol to default region of checking card, lead to The equipment interactive information that simulation card apparatus obtains the punched-card machine is crossed, which may include the position letter of punched-card machine Breath and device id, and determine that the corresponding service of equipment interactive information is the service of checking card, so that it is determined that the use of any application of checking card Family registration information.It is understood that the user's registration information may include that patrol is based on current patrol situation trigger mode The patrol information that quasi- card apparatus generates, such as the patrol information such as all go well, there is abnormal, alarm.And by equipment interactive information And user's registration information be sent to server-side with record patrol to predeterminable area time, patrol the time situations such as, do not do herein It is specific to limit.

Can there is a situation where for the user's registration sub-information that different service types may obtain identical, such as check card Service or identity authentication service may obtain subscriber identity information, but specific business procession also needs basis to set Service type and other information in standby interactive information are handled, and are not specifically limited herein.Practical any of the above-described applied field Scape can be used at least one interactive mode, that is, be applicable to analog card equipment and any analog card application counterpart terminal equipment One of corresponding above-mentioned three kinds of interactive modes are a variety of, can be configured according to the actual situation herein, not do specific limit herein It is fixed.

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, user can also browse the installation in simulation card apparatus by equipment APP Using, and can show it is corresponding apply more new information, user according to self-demand selection triggering to installed application unloading, Deactivate, update, activation etc. user's operations, and based on user's operation generate to installed application unloading command, deactivate instruction, More new command, activation instruction etc. simulate the analog card that card apparatus selects user by the application management platform courses of server-side Using the operation such as being unloaded, deactivate, update, activate accordingly.

Optionally, in certain embodiments, any analog card of analog card device downloads applies corresponding installation file It is also used to generate any analog card after success and downloads successfully prompt information using corresponding；And send described download successfully Prompt information is to the server-side；

Optionally, in certain embodiments, the simulation card apparatus is based on any analog card of installation file installation and answers With the installation success prompt information for being also used to send after success for any analog card application to the server-side；It obtains It obtains any analog card and applies corresponding user's registration information；

Optionally, in certain embodiments, the server-side is also used to detect the mould whether is received in preset time The installation success prompt information for any analog card application that quasi- card apparatus is sent；If so, being mounted to described in sending Function prompt information is to the user terminal；If not, transmission is directed to the install failure prompt information of any analog card application extremely The user terminal；

Optionally, in certain embodiments, the simulation card apparatus is based on the installation file and installs any simulation Card is applied and obtains any analog card using after corresponding user's registration information, being also used to receive the server-side hair The activation instruction for any analog card application sent；Any analog card application is run based on the activation instruction；

Optionally, in certain embodiments, the simulation card apparatus is based on the activation instruction and runs any simulation It is also used to generate the activation success prompt information of any analog card application after card application；Described activate is sent successfully to mention Show information to the server-side；

Optionally, in certain embodiments, the user terminal is also used to generate based on user's operation for the analog card In application activating list the deactivated instruction of any analog card application and the deactivated instruction is sent to the server-side；

Optionally, in certain embodiments, the user terminal is also used to be generated based on user's operation and installed for described The unloading command of any analog card application in analog card list of application；The unloading command is sent to the server-side；Receive institute State the unloading success prompt information for any analog card application of server-side transmission；It is successfully prompted based on described unload Information update corresponds to the analog card list of devices of installation of the simulation card apparatus；

Optionally, in certain embodiments, the user terminal be also used to receive the server-side sends for it is described The update prompt information of any analog card application in analog card list of application is installed；Export the update prompt information；Based on use Family operation generates the more new command for any analog card application；The more new command is sent to the server-side；It receives Being updated successfully prompt information and being updated successfully described in exporting and mention for any analog card application that the server-side is sent Show information；

Optionally, in certain embodiments, the simulation card apparatus is also used to detect equipment of itself state and generating device Status information；The device status information is sent to the server-side；

Optionally, in certain embodiments, the user terminal is also used to generate corresponding simulation card apparatus based on user's operation Described at least one analog card application transaction record inquiry request；And the transaction record inquiry request is sent to described Server-side；It receives the transaction record of the application of at least one analog card described in the correspondence that the server-side is sent and is shown；

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, user is also needed to export the user's registration information of analog card application after activation operation, which may include Subscriber identity information, account information etc..User can export user's registration information by the end equipment APP, can also pass through simulation Card apparatus is inputted, and 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 the equipment APP in order to avoid other people login users grasps the simulation card apparatus of user Make, caused safety problem, user needs user to touch after being managed operation to the analog card application in simulation card apparatus The confirmation key of the corresponding simulation card apparatus of hair 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, as shown in figure 4, in certain embodiments, which can also include the fortune of simulation card apparatus Battalion's management platform, is the management end towards administrative staff's entrance.Administrative staff can be to having sold by the operation management platform Simulation card apparatus be managed, and user is managed and is serviced, while can realize that corresponding analog card application is configured And management, transaction is counted and is analyzed, 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 device management platform, 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. 5 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 501 and the micro-control The telecommunication mould group 502 that device 401 processed connects.

The telecommunication mould group 592 is connect for establishing narrowband Internet of Things with server-side；The server-side is received to send The download instruction at least one analog card application；The download instruction is sent to the microcontroller 501.

The microcontroller 501 is used to be based on the download instruction, from least one described simulation of server-side downloading Card applies corresponding installation file；It is applied based on installation file installation any analog card and obtains any mould Quasi- card applies corresponding user's registration information.

Telecommunication mould group mould group 502 can be (the preferential choosing of NB-IoT communications module i.e. narrowband wireless communication unit Select), it is used for network data transmission.It is communicated by USB and serial ports with MCU, and MCU is executed by sending AT instruction control mould group Related processing 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..

The microcontroller 501 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 501 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.

In the embodiment of the present application, is established by telecommunication mould group and communicated to connect with the Internet of Things of removing of server-side, protected On the basis of demonstrate,proving message transmission rate, the reliability communicated between simulation card apparatus and server-side, Jin Erwei are further ensured Simulation card apparatus establishes the multi-party trust of one kind, data encryption, can not distort, the secure interactive process that data unanimously store.It gives User provides a kind of safer means of payment and mode of doing business, substantially increases the safety guarantee of user.

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 Simulation card apparatus is stated in addition to including microcontroller 501 and telecommunication mould group 502 described in Fig. 5 embodiment, it can be with Including the NFC control mould group 503 being connect with the microcontroller 501 and security control mould group 504.

Any analog card that the NFC control mould group 503 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；With institute Any analog card is stated to interact using corresponding terminal device.

NFC control mould group 503 and any analog card apply corresponding terminal device to interact specifically can be with It is to receive the first information acquisition request that any analog card is sent using corresponding terminal device and send described first Information acquisition request is to the microcontroller；It receives any analog card that the microcontroller is sent and applies corresponding use Family registration information；The user's registration information is sent to any analog card using corresponding terminal device.

Optionally, in certain embodiments, the NFC control mould group 503 applies corresponding end with any analog card End equipment, which interacts, specifically can be, and the second information acquisition request that the microcontroller is sent is sent to described any Analog card applies corresponding terminal device；Receive the equipment interaction that any analog card is sent using corresponding terminal device Information simultaneously sends the equipment interactive information to the microcontroller 501.

The telecommunication mould group 502 can be also used for receive microcontroller 501 send the equipment interactive information and Any analog card applies corresponding user's registration information；The equipment interactive information and the user's registration information are sent out It send to the server-side, to realize that the server-side is based on the equipment interactive information and the user's registration information carries out phase Answer business processing.

As it can be seen that the NFC control mould group of simulation card apparatus is alternatively arranged as a terminal device and another simulates card apparatus NFC mould group establishes near-field communication connection, or establishes near-field communication with other NFC devices and connect 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.

The NFC control mould group 503 is connect by the security control mould group 504 with the microcontroller 501, described Security control mould group 504 is for realizing the application of any analog card and relative users registration letter to running in the microcontroller The safe handling of breath.

Security control mould group 504 completes the function of analog card application under the cooperation with NFC control mould group 503, receives simultaneously The corresponding related data of microcontroller, application memory instruction are sent, realizes the safe handling of data and application.It can be responsible for realization Applied and the secure storage of data, Encryption Algorithm decipherment algorithm function in simulation card apparatus, with realize simulation card apparatus with it is any Analog card applies 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.

In practical application, which 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.Meanwhile being based on security control mould Group can guarantee to simulate safety of the card apparatus with any analog card using the information interaction of corresponding terminal device, into one The analog card application that step guarantees is traded safer.

Fig. 7 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 501 described in Fig. 6 embodiment, telecommunication mould group 502, NFC control mould group 503 and security control mould group 504 except, further include the positioning module 505 being connect with the microcontroller 501；With the micro-control The fingerprint mould group 506 of 501 connection of system；Connect with microcontroller 501 indicator light control mould group 507 and with the microcontroller The button that device 501 connects controls mould group 508.

The positioning module 505 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 501 is for controlling the positioning module acquisition current location information；And by described long-range logical Letter mould group 504 sends the current location information to the server-side.

In practical application, positioning module 505 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 506 is used to read the finger print information of user and sends the finger print information to the microcontroller Device 501.

The microcontroller 501 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 507 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.

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 508 is used to detect the triggering state of any key；And send the touching of any key Hair-like state is to the microcontroller；

User can simulate card apparatus by controlling the extraneous button control of mould group 508 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 8 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. 8 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, as shown in Figure 9.The simulation card apparatus It can also include that power supply control mould group is used to be powered management to each mould group.And external corresponding hardware module.For example, with NFC controls the external NFC antenna of mould group, the external NB-IoT antenna with telecommunication mould group, the external GPS with positioning module Antenna, external indicator light and the extraneous button external with button control mould group with indicator light control mould group.Can also include The external battery 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

1. a kind of no card interactive system, which is characterized in that the user terminal being connect including server-side and respectively with the server-side With simulation card apparatus；

The user terminal is used to determine the simulation card apparatus any analog card application to be downloaded；Send any analog card Application downloads request to the server-side；

The server-side requests to send the download instruction for being directed to any analog card application to the simulation based on the downloading Card apparatus；

The simulation card apparatus is based on the download instruction, downloads any analog card from the server-side and applies corresponding peace Fill file；It is applied based on installation file installation any analog card and obtains any analog card using corresponding use Family registration information；

Wherein, the simulation card apparatus is interacted with any one analog card using corresponding terminal device, is based on institute to realize Any analog card is stated using corresponding user's registration information and the equipment of any one the analog card application counterpart terminal equipment Interactive information carries out business processing.

2. system according to claim 1, which is characterized in that further include with any analog card using corresponding terminal Equipment；

Any analog card is used to establish with the simulation card apparatus and be wirelessly connected using corresponding terminal device, realization and institute State the interaction of simulation card apparatus.

3. system according to claim 2, which is characterized in that any analog card is used for using corresponding terminal device It is connect with the server-side；

The simulation card apparatus interacts specifically with any one analog card using corresponding terminal device, receives described any The first information acquisition request that analog card applies corresponding terminal device to send；Based on the first information acquisition request, by institute It states any analog card and is sent to any analog card using corresponding terminal device using corresponding user's registration information；

Any analog card is used for using corresponding terminal device based on the user's registration information and any one described simulation Card carries out business processing using the equipment interactive information of counterpart terminal equipment.

4. system according to claim 3, which is characterized in that

Any analog card is based on the user's registration information to carry out business processing being specifically base using corresponding terminal device The request of the first business processing is generated in the user's registration information and the equipment interactive information；Send first business processing It requests to the server-side；

The server-side is requested based on first business processing, executes corresponding business processing and feedback traffic processing result extremely Any analog card applies corresponding terminal device.

5. system according to claim 3, which is characterized in that

After the server-side receives any analog card using the first business processing request of corresponding terminal device transmission, also For sending the business processing confirmation message to the simulation card apparatus；It is described to receive being directed to for the simulation card apparatus transmission The response message of business processing confirmation message；Judge whether to execute business processing operation based on the response message；If so, base It is requested in the business processing, executes corresponding business processing and feedback traffic processing result to the terminal device；If not, Terminate 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.

6. system according to claim 4, which is characterized in that

The simulation card apparatus is based on the first information acquisition request, and any analog card is applied corresponding user's registration It is specifically to determine that the first information acquisition request is corresponding that information, which is sent to any analog card using corresponding terminal device, Service type；Determine any analog card using user's note corresponding with the service type in corresponding user's registration information Book information；The user's registration sub-information is sent to any analog card using corresponding terminal device.

7. system according to claim 2, which is characterized in that

The simulation card apparatus interacts specifically with any one analog card using corresponding terminal device, and the analog card is set Preparation send the second information acquisition request to any analog card using corresponding terminal device；Any analog card is obtained to answer With the equipment interactive information of corresponding terminal device；The equipment interactive information and any analog card are sent using corresponding User's registration information is to the server-side；

Any analog card is used to receive the second acquisition of information that the simulation card apparatus is sent using corresponding terminal device Request；Any analog card is sent using corresponding equipment interactive information to the simulation card apparatus.

8. system according to claim 7, which is characterized in that

The server-side is based on the equipment interactive information and the user's registration information carries out being also used to benefit after business processing The service processing result to any analog card, which is sent, with the simulation card apparatus applies corresponding terminal device；

Any analog card is also used to execute corresponding processing based on the service processing result using corresponding terminal device Operation.

9. system according to claim 7, which is characterized in that

The simulation card apparatus sends the equipment interactive information and any analog card applies corresponding user's registration information It is specifically that corresponding user's registration information is applied based on the equipment interactive information and any analog card to the server-side Generate the request of the second business processing；Second business processing is sent to request to the server-side；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically to be based on institute It states the request of the second business processing and carries out business processing.

10. system according to claim 7, which is characterized in that

The simulation card apparatus sends the equipment interactive information and any analog card applies corresponding user's registration information It is specifically to determine the equipment interactive information corresponding service type to the server-side；Determine any analog card application pair User's registration sub-information corresponding with the service type in the user's registration information answered；Send the equipment interactive information and institute User's registration sub-information is stated to the server-side；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically to be based on institute It states equipment interactive information and the user's registration sub-information carries out business processing.

11. system according to claim 1, which is characterized in that

Any analog card of analog card device downloads is also used to generate any mould after applying the success of corresponding installation file Quasi- card application is corresponding to download successfully prompt information；And send it is described download successfully prompt information to the server-side；

The user terminal is downloaded the analog card of downloading that successful prompt information is updated for the simulation card apparatus and is answered based on described Use list.

12. the method according to claim 1, wherein

The simulation card apparatus is based on being also used to send for institute after the installation file installs any analog card application success The installation success prompt information of any analog card application is stated to the server-side；Any analog card is obtained using corresponding use Family registration information；

The server-side send it is described install successfully prompt information to the user terminal；Obtain described that the user terminal is sent One analog card applies corresponding user's registration information, and sends the user's registration information to simulating card apparatus；

The user terminal is installed the analog card of installation that successful prompt information is updated for the simulation card apparatus and is answered based on described Use list；User is received based on the user's registration letter for having installed any analog card application input in analog card list of application Breath.

13. system according to claim 12, which is characterized in that

The server-side be also used to detect whether receive that the simulation card apparatus sends in preset time for described any The installation success prompt information of analog card application；If so, send it is described install successfully prompt information to the user terminal；If It is no, install failure prompt information for any analog card application is sent to the user terminal；

14. system according to claim 11, which is characterized in that

The simulation card apparatus is based on installation file installation any analog card and applies and obtain any analog card After corresponding user's registration information, be also used to receive the server-side transmission is directed to what any analog card was applied Activation instruction；Any analog card application is run based on the activation instruction；

The user terminal generates the activation instruction for any analog card application based on user's operation and sends the activation It instructs to the server-side.

15. system according to claim 14, which is characterized in that

The simulation card apparatus is based on being also used to generate described appoint after activation instruction operation any analog card application The activation success prompt information of one analog card application；Send it is described activate successfully prompt information to the server-side；

The user terminal receives the activation success prompt information for generation any analog card application that the server-side is sent；Base In the analog card list of application of activation for activating successfully prompt information update for the simulation card apparatus.

16. system according to claim 15, which is characterized in that

The user terminal is also used to be generated based on user's operation and be answered for any analog card in the analog card application activating list Deactivated instruction simultaneously sends the deactivated instruction to the server-side；

The simulation card apparatus receives the deactivated instruction for any analog card application that the server-side is sent；Based on institute State deactivated instruction, any analog card application out of service.

17. system according to claim 12, which is characterized in that

The user terminal, which is also used to generate based on user's operation, has installed any analog card in analog card list of application for described The unloading command of application；The unloading command is sent to the server-side；It is described any to receive being directed to for the server-side transmission The unloading success prompt information of analog card application；The corresponding simulation card apparatus is updated based on the successfully prompt information that unloads Analog card list of devices has been installed；

The simulation card apparatus receives the unloading command for any analog card application that the server-side is sent；Based on institute It states unloading command and unloads any analog card application；If unload successfully generate the unloading of any analog card application at Function prompt information and send it is described unload successfully prompt information to the server-side.

18. system according to claim 12, which is characterized in that

The user terminal is also used to receive that the server-side sends has installed any mould in analog card list of application for described The update prompt information of quasi- card application；Export the update prompt information；It is generated based on user's operation and is directed to any simulation Block the more new command of application；The more new command is sent to the server-side；Receive appointing for described for the server-side transmission Being updated successfully described in prompt information and output for one analog card application is updated successfully prompt information；

The user equipment receives the more new command for any analog card application that the server-side is sent；From the clothes Business end obtains the update file of any analog card application；Any analog card application is updated based on the update file； If any analog card application is updated successfully, generates and be updated successfully prompt information simultaneously for any analog card application Prompt information is updated successfully described in transmission to the server-side.

19. system according to claim 1, which is characterized in that

The simulation card apparatus is also used to detect equipment of itself state and generating device status information；Send the equipment state letter It ceases to the server-side；

20. system according to claim 1, which is characterized in that

The user terminal is also used to generate at least one analog card application described in corresponding simulation card apparatus based on user's operation Transaction record inquiry request；And the transaction record inquiry request is sent to the server-side；Receive what the server-side was sent The transaction record of corresponding at least one analog card application is simultaneously shown；

The server-side is asked based on the transaction record inquiry of at least one analog card application described in the corresponding simulation card apparatus It asks, obtains the transaction record of at least one analog card application.

21. system according to claim 6, which is characterized in that the simulation card apparatus determines the information acquisition request Corresponding service type is specifically to determine that the corresponding service type of the information acquisition request is identity authentication service.

22. system according to claim 21, 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.

23. system according to claim 22, which is characterized in that the simulation card apparatus determines the information acquisition request Corresponding service type is specifically to determine that the corresponding service type of the information acquisition request is transactional services.

24. according to the method for claim 23, 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 account information.

25. system according to claim 22, which is characterized in that the simulation card apparatus determines the information acquisition request Corresponding service type is specifically to determine that the corresponding service type of the information acquisition request is logical card service.

26. according to the method for claim 25, 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 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.

27. system according to claim 24, 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.

28. system according to claim 23, 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.

29. system according to claim 23, 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.

30. system according to claim 23, 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.

31. system according to claim 23, 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.

32. system according to claim 23, 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.

33. system according to claim 26, 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.

34. system according to claim 10, which is characterized in that the simulation card apparatus determines the equipment interactive information Corresponding service type is specifically to determine that the corresponding service type of the equipment interactive information is the service of checking card.

35. system according to claim 34, 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, determining to service user's registration of corresponding any analog card application with described check card Information is subscriber identity information；

It is specifically to be based on that the server-side, which is based on the equipment interactive information and user's registration sub-information progress business processing, The equipment interactive information and subscriber identity information generation check card and handle request；Based on the processing request of checking card, storage It checks card record.

36. 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 telecommunication mould group being connect with the microcontroller；

The telecommunication mould group is connect for establishing narrowband Internet of Things with server-side；Receive the server-side transmission is directed to institute State the download instruction of at least one analog card application；The download instruction is sent to the microcontroller；

The microcontroller is used to be based on the download instruction, downloads at least one analog card application pair from the server-side The installation file answered；It is applied based on installation file installation any analog card and obtains any analog card application pair The user's registration information answered；Wherein, the simulation card apparatus is interacted with any one analog card using corresponding terminal device, It is corresponding eventually using corresponding user's registration information and the application of any one described analog card based on any analog card to realize The equipment interactive information of end equipment carries out business processing.

37. equipment according to claim 36, which is characterized in that the simulation card apparatus further includes and the microcontroller The NFC of connection controls mould group；

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；With any mould Quasi- card is interacted using corresponding terminal device.

38. the equipment according to claim 37, which is characterized in that the NFC control mould group is answered with any analog card It is interacted specifically with corresponding terminal device, receives any analog card applies the transmission of corresponding terminal device first Information acquisition request simultaneously sends the first information acquisition request to the microcontroller；Receive the institute that the microcontroller is sent Any analog card is stated using corresponding user's registration information；The user's registration information is sent to any analog card application pair The terminal device answered.

39. the equipment according to claim 37, which is characterized in that the NFC control mould group is answered with any analog card It is interacted specifically with corresponding terminal device, the second information acquisition request that the microcontroller is sent is sent to described Any analog card applies corresponding terminal device；Any analog card is received to hand over using the equipment that corresponding terminal device is sent Mutual information simultaneously sends the equipment interactive information to the microcontroller；

The telecommunication mould group is also used to receive the equipment interactive information and any analog card that microcontroller is sent Using corresponding user's registration information；The equipment interactive information and the user's registration information are sent to the server-side, To realize that the server-side is based on the equipment interactive information and the user's registration information carries out corresponding service processing.

40. system according to claim 36, 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.

41. equipment according to claim 36, 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.

42. equipment according to claim 36, which is characterized in that further include the fingerprint mould group being connect with the microcontroller；

43. equipment according to claim 36, 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.

44. equipment according to claim 36, 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；

45. equipment according to claim 43, 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.

46. equipment according to claim 36, 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.

47. equipment according to claim 36, which is characterized in that the simulation card apparatus further includes memory；