CN109640297A - No card interactive system and simulation card apparatus - Google Patents

Abstract

This application discloses a kind of no card interactive system and a kind of simulation card apparatus, which may include that operation has the simulation card apparatus of multiple analog card applications, each analog card using corresponding terminal device and the server-side connecting with the simulation card apparatus.Card apparatus is simulated to be used to establish wireless connection using corresponding terminal device with any analog card；It sends information acquisition request to any analog card and applies corresponding terminal device；Obtain the equipment interactive information that any analog card applies corresponding terminal device；Sending device interactive information and any analog card are using corresponding user's registration information to server-side.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 information acquisition request that the simulation card apparatus is sent using corresponding terminal device；Any analog card is sent using corresponding equipment interactive information to simulating card apparatus.The embodiment of the present application can realize the interaction of no card.

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 being confirmed whether to show correct service card, especially when there are many service card of user, it is possible to mistake can be shown Service card or waste the plenty of time find corresponding service card, to bring very big inconvenience to user.

Summary of the invention

In view of this, user only needs to carry mould this application provides a kind of no card interactive system and a kind of simulation card apparatus The interaction of no card can be realized in quasi- card apparatus trip, brings great convenience to user's life.

This application provides a kind of no card interactive system, including running the simulation card apparatus for having multiple analog cards applications, every One analog card is using corresponding terminal device and the server-side connecting with the simulation card apparatus；

The simulation card apparatus is used to establish with any analog card using corresponding terminal device and be wirelessly connected；Send letter It ceases acquisition request to any analog card and applies corresponding terminal device；Any analog card is obtained using corresponding end The equipment interactive information of end equipment；The equipment interactive information and any analog card are sent using corresponding user's registration Information is 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 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.

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 later and be set to any analog card using corresponding Standby terminal；

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

Preferably, the server-side sends the equipment interactive information and any analog card applies corresponding user Registration information to the server-side is specifically to apply corresponding use based on the equipment interactive information and any analog card Family registration information generates business processing request；The 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 the business processing.

Preferably, after the server-side receives the business processing request that the simulation card apparatus is sent, it is also used to send institute Business processing confirmation message is stated to the simulation card apparatus；Receive the simulation card apparatus transmission is directed to the business processing The response message of information；Judge whether to execute business processing operation based on the response message；If so, being based on the business Request, progress business processing and feedback traffic processing result are handled to the terminal device；If not, terminating corresponding business Processing；

The simulation card apparatus is also used to receive the response triggered for the user's operation of the business processing confirmation message Information；And the response message is sent to the server-side.

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.

Preferably, the simulation card apparatus determines that the equipment interactive information corresponding service type is specifically, described in determination The corresponding service type of interactive information is identity authentication service.

Preferably, the simulation card apparatus determine any analog card using in corresponding user's registration information with institute Stating the corresponding user's registration sub-information of service type is specifically, and determines any simulation corresponding with the identity authentication service The user's registration sub-information of card application is subscriber identity information；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically, Authentication processing request is generated based on the equipment interactive information and the subscriber identity information；Based on the authentication Processing request carries out authentication processing.

Preferably, the simulation card apparatus determines that the equipment interactive information corresponding service type is specifically, described in determination The corresponding service type of interactive information is transactional services.

Preferably, the simulation card apparatus determine any analog card using in corresponding user's registration information with institute Stating the corresponding user's registration sub-information of service type is specifically, and determines that any analog card corresponding with the transactional services is answered User's registration sub-information is account information；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically, Transactional services processing request is generated based on the equipment interactive information and the account information；Based on transactional services processing Request carries out trading processing.

Preferably, the simulation card apparatus determines that the equipment interactive information corresponding service type is specifically, described in determination The corresponding service type of equipment interactive information is the service of checking card.

Preferably, the simulation card apparatus determine any analog card using in corresponding user's registration information with institute Stating the corresponding user's registration sub-information of service type is specifically, determining to service corresponding any analog card with described check card and answer User's registration sub-information is subscriber identity information；

The server-side is based on the equipment interactive information and user's registration information progress business processing is specifically, It checks card based on the equipment interactive information and subscriber identity information generation and handles request；It is requested based on the processing of checking card, Store record of checking card.

Preferably, the transactional services include financial payment service；

The server-side is based on transactional services processing request and carries out trading processing to be specifically to take based on financial payment The account information carried in business processing request carries out financial payment processing.

Preferably, the transactional services include integral service；

The server-side is based on transactional services processing request and carries out trading processing to be specifically to take based on the integral The account information carried in business processing request carries out user integral processing to proper account.

Preferably, the transactional services include ticket service；

The server-side is based on transactional services processing request and carries out trading processing to be specifically to be based on ticket service center The account information carried in reason request carries out the purchase of electronic bill or replaces processing.

Preferably, the transactional services include user's right service；

The server-side is based on transactional services processing request and carries out trading processing to be specifically to take based on authority of a user The account information carried in business processing request obtains corresponding user's right, and executes finance based on the user's right Payment transaction.

Preferably, the transactional services include point card service；

The server-side is based on transactional services processing request and carries out trading processing to be specifically to be based on Dian Ka service center The account information carried in reason request carries out card purchase or a payment processing.

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

The microcontroller is for running multiple analog card applications；

Any analog card that the NFC control mould group is used to receive in pre-determined distance is connected using corresponding terminal device Request；Based on the connection request, establishes and be wirelessly connected using corresponding terminal device with any analog card；It will be described The information acquisition request that microcontroller is sent is sent to any analog card using corresponding terminal device；Receive described appoint One analog card applies the equipment interactive information of corresponding terminal device transmission and sends the equipment interactive information to the micro-control Device processed；

The telecommunication mould group is connect for establishing narrowband Internet of Things with server-side；Receive the institute that microcontroller is sent Equipment interactive information and any analog card are stated using corresponding user's registration information；By the equipment interactive information and institute It states user's registration information and is sent to the server-side, to realize that the server-side is based on the equipment interactive information and the use Family 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 at least 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, which includes that operation has at least one Simulation card apparatus, each analog card of a analog card application connect using corresponding terminal device and with the simulation card apparatus The server-side connect.The simulation card apparatus is used to establish with any analog card using corresponding terminal device and be wirelessly connected；It sends Information acquisition request to any analog card applies corresponding terminal device；Any analog card is obtained using corresponding The equipment interactive information of terminal device；The equipment interactive information and any analog card is sent to infuse using corresponding user Volume information is 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 acquisition of information that the simulation card apparatus is sent using corresponding terminal device and asks It asks；Any analog card is sent using corresponding equipment interactive information to the simulation card apparatus.Based on simulation card apparatus, Server-side and each analog card using the building of corresponding terminal device without card interactive system, can be by simulation card apparatus Running any one analog card and be wirelessly connected using corresponding terminal device can be obtained the service card accordingly simulated and provides Service, thus realize life in the interaction without card, to user life bring great convenience.

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 one embodiment of simulation card apparatus of the embodiment of the present application；

Fig. 4 is a kind of structural schematic diagram of another embodiment of simulation card apparatus of the embodiment of the present application；

Fig. 5 is the structural representation of an embodiment of the simulation card apparatus that one kind of the application embodiment can embed Figure；

Fig. 6 is a kind of structure of an embodiment of simulation card apparatus that can work independently of the application embodiment Schematic diagram.

Specific embodiment

Presently filed embodiment is described in detail below in conjunction with accompanying drawings and embodiments, how the application is answered whereby It solves technical problem with technological means and reaches the realization process of technical effect to fully understand and implement.

In some processes of the description in the description and claims of this application and above-mentioned attached drawing, contain by According to multiple operations that particular order occurs, but it should be clearly understood that these operations can not be what appears in this article according to its Sequence is executed or is executed parallel, and serial number of operation such as 101,102 etc. is only used for distinguishing each different operation, sequence It number itself does not represent and any to execute sequence.In addition, these processes may include more or fewer operations, and these are grasped Work can be executed in order or be executed parallel.It should be noted that the description such as " first " herein, " second ", is for area Divide different message, equipment, module etc., does not represent sequencing, also do not limit " first " and " second " and be different type.

Technical scheme is described in detail below in conjunction with attached drawing.

Fig. 1 is a kind of structural schematic diagram of one embodiment of no card interactive system provided by the embodiments of the present application.This is System may include that operation has the simulation card apparatus 101 of at least one analog card application, each analog card using corresponding terminal Equipment 102 and server-side 103 is connect with the simulation card apparatus 101；

The simulation card apparatus 101 is used to establish with any analog card using corresponding terminal device 102 and be wirelessly connected； It sends information acquisition request to any analog card and applies corresponding terminal device 102；Obtain any analog card application The equipment interactive information of corresponding terminal device 102；It sends the equipment interactive information and any analog card application corresponds to User's registration information to the server-side 103.

The server-side 103 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 letter that the simulation card apparatus 101 is sent using corresponding terminal device 102 Cease acquisition request；Any analog card is sent using corresponding equipment interactive information to the simulation card apparatus 101.

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 analog card for there are multiple analog cards to apply and store run in card apparatus 101 is simulated Using corresponding user's registration information, can be through staff according to pre-set user information registering to the simulation card apparatus In.It is, of course, also possible to be that user according to the use demand of itself installs and register in advance acquisition, specific limit is not done herein It is fixed.

It is understood that being all different for the user's registration information of different analog cards application, such as bank card application Corresponding user's registration information may include bank card number, user name, associated cell-phone number, identification card number etc.；Such as employee The corresponding user's registration information of card application may include employee's work number, department's coding, mechanism coding, user fingerprints information, head portrait Information etc.；Such as accumulating card using corresponding user's registration information may include integral card number, integral trade company, user mobile phone number, User's birthday etc..The registration demand that can be actually applied according to different analog cards, inputs corresponding user's registration information.

If necessary to install any analog card application by staff, staff can be set using special analog card Standby management terminal device logs in the application installation application of any analog card and appoint that administrator's application management platform is provided according to user One analog card applies corresponding user information, which is installed in simulation card apparatus 101, and store phase The user's registration information answered.If user wants oneself to carry out the downloading of any analog card application and installation operation, equally can benefit With corresponding analog card equipment management terminal equipment login user application management platform, according to their needs by any simulation Card application is installed in simulation card apparatus 101, and stores corresponding user's registration information.The analog card equipment management terminal can With with simulation card apparatus establish be wirelessly connected, radio connection can be NFC (Near Field Communication, Near-field communication) it is wirelessly connected the telecommunication connection being also possible to based on narrowband Internet of Things, it is not specifically limited herein.

Simulation card apparatus can run any one the analog card application being mounted in simulation card apparatus, be in practical application It avoids running excessive analog card application and the data processing speed of simulation card apparatus is caused to reduce, when user does not need some When the service that analog card application provides, which can be carried out deactivating or unloading is handled, when needed respective service When can be downloaded according to self-demand and any analog card is activated to apply, which equally can be by staff or use Family is operated by analog card equipment management terminal.

Optionally, at least one analog card application may include the bank card application of corresponding any bank, corresponding any door The member card application in shop (line Shang Huoxianxia shops is applicable in), the product for corresponding to any store (store is applicable on line or under line) Divide card application, the employee job card application of corresponding any operative unit, the access card application for corresponding to any electronic access, correspondence any The transportation card application of urban public transport, the water card application of corresponding any city water power service department and electric card application, it is corresponding to appoint The token applications etc. of one ticket service department (being applicable on line or under line), it is existing that each analog card application can correspond to substitution Service card simultaneously can provide corresponding service, and multiple analog card application includes but is not limited to above-mentioned analog card application, can root It needs and promotes demand to be set according to actual design, be not specifically limited herein.

Optionally, simulation card apparatus can be established using corresponding terminal device 102 with any analog card and is wirelessly connected, The radio connection can be the connection of the near-field communication based on NFC (preferential selection), certainly can with and infrared ray, bluetooth, The wireless connection of the foundation such as radio frequency can also be other any applicable technical schemes of wireless connection.

Optionally, terminal device 102 can correspond at least one analog card application, it can only correspond to an analog card Using can also correspond to multiple analog card applications, be not specifically limited herein.When terminal device 102 can correspond to multiple simulations Card is in application, can trigger type of service at the terminal device by shops staff or user, such as ticket is answered It may include the different type of service states such as ticket is inquired, ticket is bought, ticket is replaced with corresponding terminal device.User Or staff can determine the current type of service of the terminal device by the corresponding terminal device of operation token applications.From And after receiving the information acquisition request that simulation card apparatus 101 is sent, by the corresponding equipment interaction of its present type of service Information is sent to simulation card apparatus 101.For example, the terminal device for simulating multiple bank card applications can be POS (point of Sale, point-of-sale terminal) machine, which can correspond to the bank card application of multiple banks, when user needs to obtain a certain bank Payment services when, the corresponding type of service state that POS machine is in required bank can be triggered, based on simulation card apparatus hair The message acquisition request sent sends the equipment interactive information extremely simulation card apparatus 101 of the corresponding bank card application.

In practice simulation card apparatus 101 can with the corresponding equipment interactive information of the received message acquisition request of automatic identification, And judge whether that operation has corresponding analog card application.Specifically, it can be answered by carrying the analog card in equipment interactive information With it is corresponding certification code key verified or equipment interactive information in carry the analog card application identification code verified. For example, each analog card application has preset certification code key, being only proved to be successful Shi Caihui in certification code key will simulate accordingly Card is sent to corresponding server-side 103 using corresponding user's registration information；Either each analog card application is preset only One identification code is identified, only when any mould stored in the identification code and simulation card apparatus carried in message acquisition request The corresponding identification code of quasi- card application matches, then corresponding analog card is sent to server-side using corresponding user's registration information, Interaction failure prompt information is returned to if certification code key authentication failed or codes match failure to corresponding terminal device, It may be without running corresponding simulation card apparatus or the abnormal conditions such as communication failure occur in card apparatus to prompt user to simulate.

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 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 server-side 103 sends the equipment interactive information and any mould Quasi- card specifically can be using corresponding user's registration information to the server-side, based on the equipment interactive information and described Any analog card generates business processing request using corresponding user's registration information；The business processing is sent to request to described Server-side 103.

The server-side 103 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 business processing request.

In practical application, business processing request can be simulation card apparatus and be based on equipment interactive information and corresponding user Registration information generation is sent to server-side 103, is also possible to simulate equipment interactive information and user's registration that card apparatus will acquire It after information is sent to server-side, is generated by server-side, can specifically be set according to actual design requirement.

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.

But since the restriction of some safety factors or use environment limit, such as terminal device is in unsafe network In environment, then terminal device cannot be protected with server-side by the indirect safety in internet.Therefore in order to guarantee analog card Using and data safety, can be based on simulation card apparatus 101 and the narrowband that be established based on block chain technology of server-side 103 Internet of Things carries out telecommunication connection.It can provide multi-party trust based on the block chain technology that narrowband Internet of Things is established, data add It is close, can not distort, the technical capabilities such as data unanimously store, establish peace for more ownership, multiple types, interacting without card for more scenes All risk insurance barrier, to guarantee the safety of information exchange.

For example, the use environment where terminal device do not have connection internet condition, for instance in it is more remote, When the weaker environment of signal, terminal device can not be connect with server-side realizes information exchange, therefore can be based on simulation card apparatus Information transmission is carried out based on the narrowband Internet of Things that block chain technology is established with server-side, guarantees that user still can get any simulation The service provided is provided.

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.Without user to analog card in the application embodiment Equipment is operated, and simulation card apparatus can be to send automatically after any analog card establishes connection using corresponding terminal device Message acquisition request is to corresponding terminal device, to obtain the corresponding equipment interactive information of the terminal device.Simulate card apparatus Determine the user's registration information of any analog card application based on equipment interactive information, and by equipment interactive information and any simulation Card is sent to server-side using corresponding user's registration information, so that server-side can be based on the equipment interactive information and user Registration information carries out business processing.It is found accordingly so as to avoid the user's registration information or waste plenty of time of feedback error Analog card apply to inconvenience caused by user security risk.User only needs carrying simulation card apparatus trip that can simply and quickly obtain it The convenient service that any analog card application of operation provides, brings great convenience to user's life.

Optionally, one embodiment structural schematic diagram of no card interactive system is provided as shown in Figure 2,

Optionally, server-side 103 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.

It is optionally, in certain embodiments, described in order to further increase the safety of information exchange in practical application After server-side 103 receives the business processing request that the simulation card apparatus 101 is sent, it can be also used for sending at the business Confirmation message is managed to the simulation card apparatus；Receive the sound for the service handling information that the simulation card apparatus is sent Answer information；Judge whether to execute business processing operation based on the response message；If so, requested based on the business processing, Business processing and feedback traffic processing result are carried out to the terminal device；If not, terminating corresponding business processing.

The simulation card apparatus 101 can be also used for receiving the user's operation touching for the business processing confirmation message The response message of hair；And the response message is sent to the server-side 103.

Simulating card apparatus 101 can be configured with display screen, by showing that screen shows corresponding business processing confirmation letter Breath, and it is configured with input module, such as physical button or fingerprint identification key etc., user is recognized by confirmation key or fingerprint Card triggering generates response message.Certainly, similarly server-side 103 service processing result can also be sent to simulation card apparatus into Row display is prompted by indicator light, can be set according to the actual situation herein.

Server-side may also include application management platform in practical application, and user can be by the intelligence that connect with server-side Equipment such as smart phone or computer log in the corresponding equipment APP (application program) of simulation card apparatus, and are set based on analog card Standby unique identifier carries out registration login.Real process can be user and be based on user name or the progress such as cell-phone number or mailbox User's registration and by the unique identifier of the simulation card apparatus of the user name or cell-phone number or mailbox that are obtained after registration and user Binding, user can be realized the management of management and analog card application to simulation card apparatus by equipment APP, realize analog card The management and equipment management that analog card is applied in equipment.In practical application, application management platform can also be to simulation card apparatus Unique identifier is identified, is judged that backstage is recorded with the presence or absence of the factory of the equipment, if it fails to match, can be fed back and set Standby APP matching result, to inform that user's equipment is not present；If successful match, feedback device APP matching result, to accuse Know user registration success.When user possesses multiple simulation card apparatus, multiple simulation card apparatus can be bound, simultaneously so as to right Multiple simulation card apparatus is managed.

Equipment APP user can also be by searching for using store or searching any analog card application, and it is any to trigger generation The download instruction of analog card application.After server-side receives the download instruction of any analog card application, corresponding simulation is controlled Card apparatus is downloaded the installation file of any analog card application and is installed.Simulation card apparatus can monitor this by itself and answer Installation situation, and feed back the equipment that received installation results are sent to user terminal to server-side, server-side by installation results It is shown on APP, has prompted the user whether to install successfully.

User can also browse the installation application in simulation card apparatus by equipment APP, and can show corresponding application More new information, user grasp the users such as the unloading, deactivated, update, activation for having installed application according to self-demand selection triggering Make, and generated based on user's operation to having installed the unloading command of application, having deactivated instruction, more new command, activation instruction etc., is led to Server-side control simulation card apparatus is crossed to unload the analog card application that user selects accordingly, deactivate, update, activate Operation.

It is understood that the analog card application downloaded in simulation card apparatus have to carry out activation operation just can be with It uses, activation operation is the user's registration information that user exports analog card application, which may include user's body Part information, account information etc..User can export user's registration information by the end equipment APP, can also be by simulating card apparatus It is inputted, is not specifically limited herein.

Optionally, user can also inquire the transaction record of corresponding simulation card apparatus by the end equipment APP.And friendship can be passed through Easily record query frame set querying condition, such as exchange hour, transaction simulation card apparatus (there are when multiple simulation card apparatus), Stateful transaction (trade successfully, Fail Transaction), transaction trade company etc., obtained from server-side meet querying condition transaction record it is bright Carefully.

Optionally, user can also inquire status information, such as battery capacity, instruction of simulation card apparatus by equipment APP Equipment may be implemented certainly in lamp state, fingerprint control function, button state, NFC communication function, GPS function etc., simulation card apparatus Inspection can be real-time detection and be also possible to carry out equipment self-inspection based on user's trigger action, and self-detection result is fed back to service End, and recorded.Wherein, equipment self-inspection includes the hardware for simulating card apparatus and the function of software systems and analog card application Detection.

It is understood that 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, 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 103, determine the equipment interactive information Corresponding service type；Determine any analog card using corresponding with the service type in corresponding user's registration information User's registration sub-information；The equipment interactive information and the user's registration sub-information are sent to the server-side 103.

The server-side be based on the equipment interactive information and the user's registration information carry out business processing specifically can be with It is that business processing is carried out based on the equipment interactive information and the user's registration sub-information.

Optionally, in certain embodiments, the simulation card apparatus 101 determines the equipment interactive information corresponding with service Type is specifically to determine that the corresponding service type of the interactive information is identity authentication service.

The simulation card apparatus determine any analog card using in corresponding user's registration information with the service class The corresponding user's registration sub-information of type is specifically to determine any analog card application corresponding with the identity authentication service User's registration sub-information is subscriber identity information.

The server-side is based on the equipment interactive information and user's registration sub-information progress business processing is specific It is that authentication processing request is generated based on the equipment interactive information and the subscriber identity information；Recognized based on the identity Card processing request carries out authentication processing.

In practical application, identification card number can be divided into according to different application scenarios subscriber identity informations, employee number, referred to Line information, head portrait, certification code key, student's identity card number etc., including but not limited to above- mentioned information.Therefore, for different application scene and The business processing of different user 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, on the dormitory of school, library, laboratory and other places, in order to guarantee The identity information of the security needs verifying user of student and equipment, then based on acquisition, any student card applies corresponding terminal The service type of the equipment interactive information of equipment is authentication type, determines any student card card using corresponding user Sub-information is registered as student's identity card number.

Optionally, in certain embodiments, the simulation card apparatus determines the equipment interactive information corresponding service type Specifically, determine that the corresponding service type of the equipment interactive information 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.

Optionally, in certain embodiments, the simulation card apparatus 101 determines the corresponding clothes of the equipment interactive information Service type specifically can be, and determine that the corresponding service type of the interactive information is transactional services.

The simulation card apparatus determine any analog card using in corresponding user's registration information with the service class The corresponding user's registration sub-information of type specifically can be, and determine any analog card application corresponding with the transactional services User's registration sub-information is account information.

The server-side is based on the equipment interactive information and user's registration sub-information progress business processing is specific It is that trading processing is carried out based on the equipment interactive information and the 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 It crosses POS machine and carries out financial payment, at this point, POS machine cannot achieve the networking with server-side, it is therefore desirable to the equipment for obtaining the POS Interactive information, the equipment interactive information may include the device id of POS machine, the information such as transaction amount, transaction merchant, the equipment The corresponding service type of interactive information is financial payment service.It is thus determined that the user's registration information of any financial payment application For corresponding card number or the corresponding account number of stored value card.

Optionally, the transactional services may include financial payment service；The server-side is based on equipment interaction letter Breath and the account information, which carry out trading processing, specifically can be, described in carrying in the request of financial payment service processing Account information carries out financial payment processing.

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.

Optionally, the transactional services may include integral service；The server-side be based on the equipment interactive information and The account information, which carries out trading processing, specifically can be, based on the account information carried in the integral service processing request User integral processing is carried out to proper account.

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, optionally, the transactional services may include user's right service；The server-side is based on the equipment Interactive information and the account information, which carry out trading processing, specifically can be, based on carrying in the request of authority of a user service processing The account information obtain corresponding user's right, and financial payment transaction is executed based on the user's right.

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.

Optionally, the transactional services may include ticket service；The server-side be based on the equipment interactive information and The account information, which carries out trading processing, specifically can be, based on the account information carried in the request of ticket service processing It carries out the purchase of electronic bill or replaces 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.

Optionally, the transactional services may include a card service；The server-side be based on the equipment interactive information and The account information, which carries out trading processing, specifically can be, based on the account information carried in card service processing request Carry out card purchase or a payment processing.

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.

Optionally, the transactional services may include the service of paying of life expenditure；The server-side is handed over based on the equipment Mutual information and the account information, which carry out trading processing, specifically can be, and be given birth to based on the account information to the account Expenditure payment processing living.

Optionally, in certain embodiments, it is secret to be also used to send transaction for any analog card application counterpart terminal equipment Key acquisition request is to the simulation card apparatus；Any analog card of the simulation card apparatus transmission is received using corresponding Transaction key retransmits equipment interactive information to the simulation card apparatus to guarantee information after correct to transaction code key certification Interactive safety.

In practical application, optionally, simulation card apparatus is obtaining any analog card using corresponding terminal device After equipment interactive information, the transaction code key of the terminal device can also be obtained and utilize the transaction secret key pair analog card obtained Equipment encrypt and signature authentication based on the business processing request that equipment interaction and user's registration information generate, then will plus Business processing request after close is sent to server-side.Place is decrypted to business processing request according to preset protocol in server-side Reason, carries out corresponding business processing after decryption.Therefore the simulation card apparatus is based on the equipment interactive information and described any Analog card generates business processing request using corresponding user's registration information and specifically can be, and is believed based on user's registration Breath generates business processing request；It is encrypted based on the request of business processing described in the transaction secret key pair；By encrypted industry Business processing request is sent to server-side 103.

Optionally, in certain embodiments, which can also provide the service of the logical card transaction.Logical card (Token) it applies in block chain field, refers to that negotiable encrypted digital right benefit proves, can be reference coin in the narrow sense.This Apply in embodiment, block chain technology can be used to realize logical card transactional services, which can be for special The logical card wallet application of the logical card of door storage only stores the private key of user due to the particularity of logical card transaction in logical card wallet application Information.It is logical to demonstrate,prove the corresponding terminal device of wallet application, it needs to obtain and leads to the corresponding user's note of card wallet application in simulation card apparatus Book information is private key information.

Therefore, the simulation card apparatus determines that the information acquisition request corresponding service type is specifically to determine the letter Ceasing the corresponding service type of acquisition request is logical card service.

The simulation card apparatus determine any analog card using in corresponding user's registration information with the service class The corresponding user's registration sub-information of type is specifically to determine the user of the corresponding any analog card application of the logical card service Sub-information is registered as private key information.

It is described specifically to can be based on business processing request progress business processing, it is based on the private key information, is obtained The corresponding account address of the private key information and trading signature authentication information；Based on the account address and the trading signature Authentication information carries out business processing.

Optionally, in certain embodiments, the server-side is based on the account address and trading signature certification letter It is specifically to carry out logical card transaction based on the logical card wallet address after verifying trading signature certification that breath, which carries out business processing,.

The various interests proof of practical real world can realize Token such as equity, bond, integral, bill Change, carries out logical card transaction.And the exceptionally high degree of trust system of block chain decentralization is inherited based on the transaction of the logical card of block chain technology With height circulation systems, practical equity value can also be carried, is a kind of safer, believable transaction approach, mentions significantly The high safety of information exchange.

As a kind of achievable application scenarios, user is lower online or line on consume or some interactive scenes in, can lead to The logical card of reward is crossed such as can be token, integral, discount coupon, user is made to obtain corresponding user's right.

It is understood that the above-mentioned business processing application scenarios that the application embodiment provides are only to illustrate, reality Traffic handing capacity is related to the traffic handing capacity that the application of corresponding analog card is supported, including but not limited to above-mentioned business processing Scene.

Private key information, key information, certification key information for being related in the embodiment of the present application etc. are in not same applied field It is all different under scape, is set with specific reference to actual encrypted agreement and authentication protocol, be not specifically limited herein.

In practical application, the application scenarios for simulating card apparatus include but is not limited to above content, and the embodiment of the present application is only It is illustrated by above-mentioned application scenarios.

Optionally, in certain embodiments, which can also include the operation management system of simulation card apparatus, It is the management end towards administrative staff's entrance.Administrative staff can set the analog card sold by the operation management system It is standby to be managed, and user is managed and is serviced, while can realize that corresponding analog card application is configured and manages, it is right Transaction is counted and is analyzed, and grasps the operation conditions of the ecosystem of simulation card apparatus comprehensively.

Administrator can also be managed device manufacturer and retailer application provider etc. by equipment management system, Such as the address to manufacturer, legal person, title, industry, resistance value mechanism coding, contact person, telephone number, buying situation and sale Situation etc. is recorded and is managed.Manufacturer's setting blacklist that can also be lower or illegal by credibility etc..

It can be also used for the function of being mainly used for management simulation card apparatus classification to equipment classification management.Device class pipe Reason is equivalent to application class management, in order to preferably distinguish using corresponding equipment

It can be also used for device parameter management, device class information be arranged by device parameter management, works as newly added equipment Increase selection device class when information, and increases the description to newly added equipment parameter.

It can be also used for analog card equipment management, be mainly used for the registration of new equipment, equipment state tracks, the jelly of equipment Knot, the defrosting of equipment and the management of equipment blacklist.

Simultaneously can be in the equipment management of analog card, the sales volume of certain model device, distributed areas and use in association Situation.It, can also intuitive query analysis class equipment Market by managing the market sale and service condition of single model device Sales situation and applicable cases.

The application and version number that setting is recommended to use in analog card, can be by analog card equipment management, and can view The application downloaded in the equipment and number, to analyze the hobby and market sale trend situation of user.

Business rule can also be formulated, such as device sales, the record that activates, report for repairment, returning factory, service mode, and can be looked into Ask the inquiry for activating date, production batch, exclusive identification code etc. of simulation card apparatus

All installable application software in card apparatus, main management application can also be simulated by management user management Restocking, using update, using undercarriage, all applications all need to be associated with supplier.The restocking applied in application management, undercarriage And application more new capital needs main duty department for review, can carry out corresponding operation after the approval.

And can be searched out by querying condition in application management certain a kind of or some application download, activation amount, Discharging quantity, using volumes, the update cycle and income situation, to operation personnel analyze application market trend.

Optionally, information exchange can also be carried out with the equipment APP of user, receives the on-line consulting of user, reports for repairment online And technical support etc. is in order to providing more perfect after-sales service for user.

It above are only schematic description, situation and corresponding function pipe is embodied in including but not limited to above-mentioned function management Reason can be set according to the actual situation, be not specifically limited, numerous to list herein.

In the embodiment of the present application, by increase server-side, it can be achieved that on-line Application business processing, and can realize simulation The management of any analog card application and the operation management of simulation card apparatus in card apparatus.Meanwhile by schematically illustrate, the simulation Card apparatus may be implemented more scenes, mostly application, multiple types, belong to more without card apply.So as to be provided easily for user Service brings great convenience to user's life.

Fig. 3 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, the simulation card apparatus may include microcontroller 301, respectively with it is described The NFC control mould group 302 and telecommunication mould group 303 that microcontroller 301 connects.

The microcontroller 301 is for running multiple analog card applications.

Optionally, which is the trusted processes unit for simulating card apparatus, can integrate CPU, memory The perimeter interfaces such as (ROM RAM), counter, USB interface, serial ports, UART interface, DAM, other mould groups by perimeter interface with Microprocessor 401 docks.Simulating the application program run in card apparatus in practice can save in memory, answer after booting It is read into memory with program by the main control unit of microcontroller.

In hardware selection, microcontroller can be the STM32L476JGY6BTR of ST Microelectronics, preferential to select Low-power consumption series, CORTEX M4 kernel, 32bit processor, 100DMIPS, 128KRAM, 1 USB interface, 3 SPI interfaces, Meet configuration needs.

Optionally, in certain embodiments, which can also include memory, the multiple for storing Analog card application and its data.

Optionally, which can be FLANSH memory, which can also need memory region according to application It divides, in addition to the identification information for saving simulation card apparatus itself, different, separate storage region can also be divided according to demand Give each analog card application.

Any analog card that the NFC control mould group 402 is used to receive in pre-determined distance connects using corresponding terminal device Connect request；Based on the connection request, establishes and be wirelessly connected using corresponding terminal device with any analog card；By institute The information acquisition request for stating microcontroller transmission is sent to any analog card using corresponding terminal device；Described in reception Equipment interactive information that any analog card is sent using corresponding terminal device simultaneously sends the equipment interactive information to described micro- Controller.

In practical application, the NFC control mould group for simulating card apparatus can also receive the information that any analog card application is sent Acquisition request.Therefore, simulation card apparatus is also used as a terminal device and the NFC mould of another simulation card apparatus is set up Vertical near-field communication connection, or with other NFC devices establish near-field communication and connect and be not specifically limited herein.

The NFC controls mould group in hardware selection, can choose the PN65T of model NXP company, which can support Card reader, writer, card analog functuion support following popular protocol: ISO/IEC 14443A, ISO/IEC 14443B, Feilca, MIFARE can satisfy different demands for interconnection.

In practical application, also simulation card apparatus be can integrate on a pcb board, and configured with relevant structure and firmly Part device such as NFC antenna is highly integrated hardware module component.It therefore, can be by the mould for the ease of user's carrying Quasi- card apparatus is made into the form of key chain, such as to be made into its shape such as automobile key string shape small and exquisite easy to carry.Certainly may be used also To be integrated in intelligent electronic device, such as in the equipment such as smart phone, smartwatch, electronics bracelet, earphone, certainly also The design that can be other forms is for example mounted to ring or bangle is medium, can also can independently set according to actual needs Appearance forrns are counted, are not specifically limited herein.

The telecommunication mould group 303 is connect for establishing narrowband Internet of Things with server-side；Microcontroller 301 is received to send out The equipment interactive information sent and any analog card apply corresponding user's registration information；Equipment interaction is believed Breath and the user's registration information be sent to the server-side, with realize the server-side be based on the equipment interactive information and The user's registration information carries out corresponding service processing.

The telecommunication mould group 404 is established narrow between the microcontroller and server-side based on block chain technology Band Internet of Things connects, and really may be implemented and the internet trusted and application so as to construct.

Telecommunication mould group mould group can be NB-IoT communications module i.e. narrowband wireless communication unit (preferential selection), use In network data transmission.It is communicated by USB and serial ports with MCU, and MCU is executed at correlation by sending AT instruction control mould group Reason task.

On hardware selection, what is selected be concrete model can be SIM7000C, multifrequency LTE-FDD and double frequency GPRS/ The NBIOT mould group of EDGE.The mould group uses SMT encapsulation, supports LTE CAT-M1 (eMTC), NB-IoT and GPRS/EDGE, number Can reach 375Kbps according to transmission speed, low-power consumption: PSM mode is 9uA, sleep mode 1.3mA, available frequency band packet It includes LTEBand3 (1800MHz), Band8 (900MHz), GPRS/EDGE Band3, Band8 etc..

In the embodiment of the present application, 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.

In addition, connecting by the foundation of telecommunication mould group with the protenchyma connected network communication of server-side, guaranteeing data transmission On the basis of rate, the reliability communicated between simulation card apparatus and server-side is further ensured, and then be simulation card apparatus It establishes the multi-party trust of one kind, data encryption, can not distort, the secure interactive process that data unanimously store.It provide the user A kind of safer means of payment and mode of doing business, substantially increase the safety guarantee of user.

Fig. 4 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 301 described in Fig. 3 embodiment, NFC control 302 telecommunication mould group of mould group It further include security control mould group 304, the positioning module 305 that is connect with the microcontroller 301 except 303；With the micro-control The fingerprint mould group 306 of 301 connection of system；Connect with microcontroller 301 indicator light control mould group 307 and with the microcontroller The button that device 301 connects controls mould group 308.

The NFC control mould group 302 is connect by the security control mould group 304 with the microcontroller 301, described Security control mould group 304 is registered for realizing to any analog card application run in the microcontroller 301 and relative users The safe handling of information.

Security control mould group 304 completes the function of analog card application under the cooperation with NFC control mould group 302, 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 the embodiment of the present application, the security control mould group provided can guarantee to simulate card apparatus and any analog card application The safety of the information interaction of corresponding terminal device, the analog card application being further ensured that are traded safer.

The positioning module 305 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 301.

The microcontroller 301 is for controlling the positioning module acquisition current location information；And by described long-range logical Letter mould group 303 sends the current location information to the server-side.

In practical application, positioning module 305 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 306 is used to read the finger print information of user and sends the finger print information to the microcontroller Device 301.

The microcontroller 301 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 307 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 307 and External indicator light is realized.Different colours are lighted and shown by indicator light, can be used for function confirmation prompt and information alert, 1) function prompt has for example initiated telecommunication, and prompt in the communications；2) prompt of the transmission of alarm signal is completed；3) Transaction communications confirmation near field starts to prompt；4) prompt of near field transaction communications success or failure.Information alert such as 1) analog card The functional fault of any mould group of equipment；2) battery capacity is insufficient or full of prompt etc..It can specifically be handed over according to actual functional capability and information It is mutually configured, is not specifically limited herein.

Optionally, in practical application, the microcontroller is also used to run self-diagnostic function application.

The self-diagnostic function applies the working condition for monitoring each mould group in the simulation card apparatus；Based on each mould Group working condition generates status indication information and sends the status indication information to the microcontroller.

The microcontroller is based on the status indication information and generates driving instruction, and exports the driving instruction to institute Indicator light mould group is stated, shows corresponding light signal to control the indicator light of the indicator light control mould group connection.Based on autodiagnosis Disconnected functional application is matched with indicator light mould group, can working condition to a functional module for simulating card apparatus, working condition into Row distinguishes and confirmation.

Optionally, in certain embodiments, the microcontroller is also used to run watchdog function application.

The watchdog function is applied for being set to the analog card when monitoring the simulation card apparatus appearance exception Standby execute resets operation.

Specifically, house dog application is mainly used for simulating the monitoring of application program in card apparatus, can guarantee hardware fortune During row, because being caused the reasons such as internal storage data confusion, program pointer mistake by various interference, when falling into endless loop, It is restarted automatically hardware, realizes the reset work of hardware.

The button control mould group 308 is used to detect the triggering state of any key；And send the touching of any key Hair-like state is to the microcontroller；

The microcontroller executes corresponding operation based on the triggering state of any key.

User can simulate card apparatus by controlling the extraneous button control of mould group 308 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 5 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. 5 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 6.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 (25)

1. a kind of no card interactive system, which is characterized in that including run the simulation card apparatus for having the application of multiple analog cards, each Analog card is using corresponding terminal device and the server-side connecting with the simulation card apparatus；

The simulation card apparatus is used to establish with any analog card using corresponding terminal device and be wirelessly connected；Send acquisition of information Request to any analog card applies corresponding terminal device；Any analog card is obtained using corresponding terminal device Equipment interactive information；The equipment interactive information and any analog card are sent using corresponding user's registration information to described 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 information acquisition request that the simulation card apparatus is sent using corresponding terminal device； Any analog card is sent using corresponding equipment interactive information to the simulation card apparatus.

2. system according to claim 1, which is characterized in that the server-side is based on the equipment interactive information and described User's registration information carries out being also used to send the service processing result to institute using the simulation card apparatus after business processing Any analog card is stated using corresponding terminal device；

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

3. the method according to claim 1, wherein

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 business processing request；The 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 business processing request and carries out business processing.

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

After the server-side receives the business processing request that the simulation card apparatus is sent, it is true to be also used to send the business processing Information is recognized to the simulation card apparatus；Receive the response for the business processing confirmation message that the simulation card apparatus is sent Information；Judge whether to execute business processing operation based on the response message；If so, requested based on the business processing, into Row business processing and feedback traffic processing result are to the terminal device；If not, terminating corresponding business processing；

The simulation card apparatus is also used to receive the response message triggered for the user's operation of the business processing confirmation message； And the response message is sent to the server-side.

5. system according to claim 1, 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 corresponding service type of the equipment interactive information to the server-side；Determine any analog card application User's registration sub-information corresponding with the service type in corresponding user's registration information；Send the equipment interactive information and The user's registration sub-information is 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.

6. system according to claim 5, which is characterized in that the simulation card apparatus determines the equipment interactive information pair Answering service type is specifically to determine that the corresponding service type of the interactive information is identity authentication service.

7. system according to claim 6, 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；

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 the subscriber identity information generate authentication processing request；It is asked based on authentication processing It asks and carries out authentication processing.

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

The simulation card apparatus determines that the equipment interactive information corresponding service type is specifically to determine that the interactive information is corresponding Service type be transactional services.

9. system according to claim 8, 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 any analog card application corresponding with the transactional services Information is account 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 the account information carry out trading processing.

10. system according to claim 5, 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.

11. system according to claim 10, 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.

12. system according to claim 9, which is characterized in that the transactional services include financial payment service；

The server-side is based on the equipment interactive information and account information progress trading processing is specifically, based on finance branch It pays the account information carried in service processing request and carries out financial payment processing.

13. system according to claim 9, which is characterized in that the transactional services include integral service；

The server-side is based on the equipment interactive information and account information progress trading processing is specifically to be based on the product The account information carried in the request of point service processing carries out user integral processing to proper account.

14. system according to claim 9, which is characterized in that the transactional services include ticket service；

The server-side is based on the equipment interactive information and account information progress trading processing is specifically to be taken based on ticket The account information carried in business processing request carries out the purchase of electronic bill or replaces processing.

15. system according to claim 9, which is characterized in that the transactional services include user's right service；

The server-side is based on the equipment interactive information and account information progress trading processing is specifically to be weighed based on user The account information carried in sharp service processing request obtains corresponding user's right, and executes gold based on the user's right Melt payment transaction.

16. system according to claim 9, which is characterized in that the transactional services include point card service；

The server-side is based on the equipment interactive information and account information progress trading processing is specifically, based on point card clothes The account information carried in business processing request carries out card purchase or a payment processing.

17. a kind of simulation card apparatus, which is characterized in that applied to no card interactive system, the simulation card apparatus includes microcontroller Device, the NFC being connect respectively with microcontroller control mould group and telecommunication mould group；

The microcontroller is for running multiple analog card applications；

The NFC control mould group is used to receive any analog card in pre-determined distance using corresponding terminal device connection request； Based on the connection request, establishes and be wirelessly connected using corresponding terminal device with any analog card；By the microcontroller The information acquisition request that device is sent is sent to any analog card using corresponding terminal device；Receive any analog card Using corresponding terminal device send equipment interactive information and send the equipment interactive information to the microcontroller；

The telecommunication mould group is connect for establishing narrowband Internet of Things with server-side；Receive the equipment that microcontroller is sent Interactive information and any analog card apply corresponding user's registration information；The equipment interactive information and the user are infused Volume information is sent to the server-side, to realize that the server-side is based on the equipment interactive information and the user's registration information Carry out corresponding service processing.

18. system according to claim 17, 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.

19. equipment according to claim 17, 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.

20. equipment according to claim 17, which is characterized in that further include the fingerprint mould group being connect with the microcontroller；

The fingerprint mould group is used to read the finger print information of user and sends the finger print information to the microcontroller；

The microcontroller is based on the finger print information and carries out finger print identifying or fingerprint storage processing.

21. equipment according to claim 17, 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.

22. equipment according to claim 17, which is characterized in that further include the button control being connect with the microcontroller Mould group；

The button control mould group is used to detect the triggering state of any key；And send the triggering state of any key extremely The microcontroller；

The microcontroller executes corresponding operation based on the triggering state of any key.

23. equipment according to claim 21, 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.

24. equipment according to claim 17, 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.

25. equipment according to claim 17, which is characterized in that the simulation card apparatus further includes memory；

The memory is for storing at least one the described analog card application data run in the microcontroller.