WO2023056775A1

WO2023056775A1 - Method for extending simulation function of nfc card, nfc extension device and nfc terminal

Info

Publication number: WO2023056775A1
Application number: PCT/CN2022/109287
Authority: WO
Inventors: 王大耀
Original assignee: 深圳市汇顶科技股份有限公司
Priority date: 2021-10-08
Filing date: 2022-07-30
Publication date: 2023-04-13
Also published as: CN113965228A; CN113965228B

Abstract

Embodiments of the present application disclose a method for extending a simulation function of an NFC card, an NFC extension device, and an NFC terminal. The method comprises: an NFC terminal obtaining standard static data of a physical card by means of an NFC extension device, wherein the NFC extension device and the physical card communicate on the basis of a first communication protocol, and the NFC terminal and the NFC extension device communicate on the basis of a second communication protocol; when the physical card is activated by means of the NFC terminal, an NFC card reader obtaining the standard static data of the physical card by means of the NFC terminal; the NFC card reader obtaining additional static data and/or dynamic data of the physical card by means of the NFC terminal and the NFC extension device; or the NFC card reader obtaining the additional static data of the physical card by means of the NFC terminal; and the NFC card reader managing the physical card by means of the standard static data and/or additional static data and /or dynamic data of the physical card.

Description

Method for extending NFC card simulation function, NFC extension device and NFC terminal

cross reference

This application is based on the Chinese patent application with the application number "202111172375.2" and the filing date is October 8, 2021, and claims the priority of the Chinese patent application. The entire content of the Chinese patent application is hereby incorporated by reference. Apply.

technical field

This application relates to the field of near field communication (Near Field Communication, NFC), in particular to a method for expanding the simulation function of an NFC card, an NFC extension device and an NFC terminal.

Background technique

Transportation ticketing, access management, loyalty management and many more systems use ISO/IEC 14443 compliant contactless cards in their infrastructure. Terminals are usually designed to operate a defined set of cards, holding specific applications, this is also known as a closed system approach. End customers are struggling with a large number of different cards in their wallets, all carrying a single application. Therefore, there is a strong trend to require devices or methods capable of carrying multiple applications.

NFC terminals (such as mobile phones, tablet computers, wearable electronic devices with wireless communication functions, etc.) refer to mobile devices with NFC hardware. NFC terminals can support many corresponding applications. At present, many physical card simulation applications cannot be downloaded and copied by NFC mobile devices, mainly due to security factors and system compatibility issues. For example, social security cards and ID cards cannot be emulated on mobile phones, and some other Advanced Encryption Standard (AES) encryption cards cannot be cracked and copied. Some cards cannot be successfully implemented by NFC terminals because they are not compatible with the actual application specifications of mobile phone systems such as NFC forum/EMVco. Due to the above-mentioned reasons, in practical applications, physical cards still cannot be completely replaced. In real life, there are many physical cards. The existence of card and other processes and the existence of situations such as the target user forgets to take the card after swiping the card also increase the risk of losing the physical card.

Contents of the invention

The first aspect of the present application provides a method for extending the NFC card simulation function. The NFC terminal realizes the simulation of the physical card through the NFC expansion device, and the NFC card reader obtains the standard static data and/or additional static data of the physical card from the NFC terminal. data and/or dynamic data, the method specifically includes:

The NFC terminal obtains the standard static data of the entity card through the NFC extension device, the NFC extension device communicates with the entity card based on a first communication protocol, and the NFC terminal communicates with the NFC extension device based on a second communication protocol;

When the physical card is activated through the NFC terminal, the NFC card reader obtains the standard static data of the physical card through the NFC terminal;

The NFC card reader obtains the additional static data and/or dynamic data of the entity card through the NFC terminal and the NFC extension device; or the NFC card reader obtains the additional static data of the entity card through the NFC terminal; and

The NFC card reader manages the physical card through standard static data and/or additional static data and/or dynamic data of the physical card.

The second aspect of the embodiment of the present application provides a method applied to an NFC terminal, a method of NFC card simulation, the NFC terminal realizes the simulation of a physical card through an NFC expansion device, and the method includes:

The NFC terminal obtains standard static data of the entity card through the NFC extension device, the NFC extension device communicates with the entity card based on a first communication protocol, and the NFC terminal communicates with the NFC extension device based on a second communication protocol;

According to the standard static data of the physical card, a mapping relationship between the simulated card and the physical card is generated on the NFC terminal.

In the third aspect, the embodiment of the present application provides a method for emulating an NFC card applied to an NFC extension device, the method is used to realize the card emulation of an entity card in an NFC terminal through an NFC extension device, and the NFC extension device is connected to the entity card Communication based on the first communication protocol, the NFC terminal and the NFC extension device communicate based on the second communication protocol, the method includes:

The NFC extension device receives a card search command sent by the NFC terminal for obtaining standard static data of the entity card;

The NFC extension device sends the card search command to the physical card;

The NFC extension device receives the standard static data returned by the physical card and sends it to the NFC terminal, so that the NFC terminal generates a mapping relationship between the simulated card and the physical card on the NFC terminal according to the standard static data of the physical card.

In a fourth aspect, an embodiment of the present application provides a terminal, the NFC terminal supports the first communication protocol and the second communication protocol, and the NFC terminal includes: a memory, a chip supporting the first communication protocol and the second communication protocol, and one or A plurality of processors; the memory is coupled with the one or more processors, the memory is used to store computer program codes, the computer program codes include computer instructions, and the one or more processors call the computer instructions to make the NFC terminal implement:

The standard static data of the entity card is obtained through the NFC extension device, the NFC extension device communicates with the entity card based on a first communication protocol, and the NFC terminal communicates with the NFC extension device based on a second communication protocol;

In a fifth aspect, the present application provides an NFC extension device, which is used for communicating with an NFC terminal and a physical card, including: a processor, an application module, an operating system module, a transmission module, and a radio frequency identification module, wherein,

The transmission module is used for communicating with the NFC terminal based on the second communication protocol, receiving a card search command sent by the NFC terminal for obtaining standard static data of the entity card, sending the card search command to the entity card, and receiving the standard static data of the entity card. The static data is sent to the NFC terminal based on the second communication protocol, so that the NFC terminal generates a mapping relationship between the analog card and the physical card on the NFC terminal according to the standard static data of the physical card;

The radio frequency identification module is used for communicating with the entity card based on the first communication protocol; receiving standard static data returned by the entity card.

Description of drawings

One or more embodiments are exemplified by the pictures in the corresponding drawings, these exemplifications do not constitute a limitation to the embodiments, and components with the same reference numerals in the drawings represent substantially the same components. Unless otherwise stated, the drawings in the drawings are not limited to scale.

A schematic flow diagram of a method for extending the NFC card simulation function provided by the embodiment of the present application in Fig. 1;

FIG. 2 is a schematic diagram of a graphical user interface of an NFC terminal provided in an embodiment of the application;

Fig. 3 shows the flow chart of the method for the NFC terminal to obtain the standard static data of the physical card through the NFC extension device;

FIG. 4 is a schematic interaction diagram of an NFC card reader obtaining additional static data and/or dynamic data of a physical card through an NFC terminal and an NFC extension device according to an embodiment of the present application;

FIG. 5 is a schematic flow diagram of obtaining additional static data provided by the embodiment of the present application;

FIG. 6 is a schematic flowchart of a logic for processing read and write requests provided by an embodiment of the present application;

FIG. 7 is a flow chart of a method for dealing with a communication timeout problem provided by an embodiment of the present application;

FIG. 8 is a schematic interaction diagram of stages provided by the embodiment of the present application;

FIG. 9 is a schematic diagram of a hardware structure of an NFC terminal provided in an embodiment of the present application;

FIG. 10 is a schematic diagram of a hardware structure of an NFC extension device provided in an embodiment of the present application;

Figure 11 is a schematic diagram of a product form provided by the embodiment of the present application;

Figure 12 is a second schematic diagram of a product form provided by the embodiment of the present application;

Fig. 13 is a third schematic diagram of a product form provided by the embodiment of the present application.

Detailed ways

The technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the accompanying drawings. Apparently, the described embodiments are part of the embodiments of the present application, but not all of the embodiments.

The embodiment of the present application provides a method for expanding the NFC card simulation function, an NFC expansion device and an NFC terminal, which are used to solve the problem that the target user needs to repeatedly search for and take out the card and cause the card to be lost due to the presence of encrypted cards and other cards that cannot be simulated. The problem of increased risk, that is, the embodiment of the present application can expand the NFC card simulation function. Described technical scheme is as follows:

Through the communication between the NFC expansion device and the physical card and the NFC terminal, the target user can realize the card swiping operation without taking out the physical card that cannot be simulated by the NFC terminal. The target user selects the card through the NFC terminal and is close to the NFC The card reader can realize the physical card swiping, which improves the efficiency of swiping the card and reduces the risk of card loss caused by the target user looking for and taking the card. In addition, the target user can put the NFC extension device into the wallet or luggage, etc., and does not need to take out the NFC extension device frequently when swiping the card, which increases safety and convenience. In the case that the target user has multiple cards that cannot be simulated by the NFC terminal, the target user can put these cards together with the NFC expansion device at the same time, and select the card through the NFC terminal, making the card easy to manage. In addition, this solution can assist the NFC card simulation expansion operation, expanding the scope of the NFC terminal card simulation function.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the application. As used in this application and the appended claims, the singular forms "a", "the", and "the" are intended to include the plural forms as well, unless the context clearly dictates otherwise.

In this application, directional terms such as "upper", "lower", "front", and "rear" are defined relative to the schematic placement of components in the drawings, and it should be understood that these directional terms are relative Concepts, which are used for description and clarification relative to one another, may change accordingly according to changes in the orientation of parts in the drawings.

In addition, unless the specified order is clearly stated in the context of the application, the processing steps described herein may be performed out of the specified order, that is, each step may be performed in the specified order, substantially simultaneously. steps, perform each step in reverse order, or perform each step in a different order.

Below, the basic concepts involved in this application are explained. It should be noted that these explanations are for the purpose of making the embodiments of the present application easier to understand, and should not be regarded as limiting the scope of protection required by the embodiments of the present application.

Card emulation (cardemulation, CE) mode, at this time the NFC terminal is simulated as a contactless card, such as access control card, bank card, transportation card, coupon, ID card, etc. The card simulation mode is mainly used in contactless mobile payment scenarios such as shopping malls and transportation.

The NFC controller, the NFC controller (near field communication controller, NFCC) is responsible for the physical transmission of data through the radio frequency (radio frequency, RF) interface and antenna, so as to realize the communication between the NFC terminal and the peer device. That is to say, the communication between the NFC terminal and the peer device needs to be realized through the NFC controller.

In an NFC terminal, the hardware entity corresponding to NFCC is usually an NFC chip.

NFCC is a term used in the NFC control interface (NFC controller interface, NCI) specification developed by the NFC Forum (NFC Forum), which can correspond to the host control interface (host controller) developed by the European Telecommunications Standards Institute (ETSI). interface (HCI) specification in the contactless front-end (contactless front-end, CLF).

NFCEE, NFCEE is an entity that provides a secure execution environment for NFC applications (such as various card simulation applications such as bank cards and bus cards) on the first terminal. NFCEE is a term used in the NCI specification formulated by NFCForum. It can correspond to the Universal Integrated Circuit Card (Universal Integrated Circuit Card, UICC), Embedded Secure Element (Embedded Secure Element, eSE) and Secure Digital Memory Card (Secure Digital Memory Card, SD) in the HCI specification formulated by ETSI. Card), etc.; it can also correspond to the Security Element (Secure Element, SE) in the specifications formulated by GP, or the Card Emulation Environment (CEE). One of the special NFCEEs is DH NFCEE, which is an NFCEE directly connected to DH or within DH. That is to say, the physical carrier of NFCEE or SE can be eSE, UICC, SD card, etc. In addition, the NFC application on the above-mentioned first terminal can also be point-to-point applications such as business card sharing and card reader applications such as bank POS and bus POS. Download and install these NFC applications. Of course, these applications can also be preset in the eSE of the mobile phone when the mobile phone leaves the factory or in the UICC when the UICC card leaves the factory.

Radio frequency identification technology (Radio Frequency Identification, RFID) is a kind of automatic identification technology. It performs non-contact two-way data communication through radio frequency, and uses radio frequency to read and write recording media (electronic tags or radio frequency cards), so as to achieve Identify the target and purpose of the data exchange.

NFC terminal, NFC terminal can be widely used in access control, bus, mobile payment, smart poster, data transmission and other fields. The NFC device in the embodiment of the present application may be various devices configured with a near field communication function (i.e. supporting NFC communication standards and/or RFID communication standards), including but not limited to: (1) Mobile communication devices: characteristics of such devices It has the function of mobile communication, and its main goal is to provide voice and data communication. Such terminals include: smart phones (such as iPhone), multimedia phones, feature phones, and low-end phones. (2) Ultra-mobile personal computer equipment: This type of equipment belongs to the category of personal computers, with computing and processing functions, and generally also has the characteristics of mobile Internet access. Such terminals include: PDA, MID and UMPC equipment, such as iPad. (3) Portable entertainment equipment: This type of equipment can display and play multimedia content. Such devices include: audio and video players (such as iPod), handheld game consoles, e-books, as well as smart toys and portable car navigation devices. (4) Other electronic devices with data interaction functions. Specifically, the simulation of non-contact smart cards such as bank cards, bus cards, and access control cards can be realized through the NFC controller and secure element unit contained in the mobile terminal, in conjunction with the software system. The NFC terminal can also be implemented as an Internet of Things (Internet of Things, IOT) device.

NFC card reader. In this application, the NFC card reader is a POS machine supporting the NFC protocol, or a device supporting the RFID communication protocol.

POS machine, the POS in the embodiment of the present application can be understood as a POS that supports NFC. Exemplarily, the POS in this embodiment of the application includes but is not limited to bank POS machines, bus POS machines, and access control POS machines. POS is a multi-functional terminal. The POS installed at the designated merchant or the acceptance outlet is connected to a computer to form a network. Through the communication between the POS and the NFC device, functions such as consumption, pre-authorization, balance inquiry and transfer can be realized.

NFC specification, in order to better realize the above functions and scenarios, NFCforum has developed a variety of NFC specifications. Among them, the Digital specification stipulates the encoding format, modulation mode, transmission rate, frame format, transmission protocol and command set of the three technologies of NFC-A, NFC-B and NFC-F. The NFC reader sends a radio frequency electromagnetic field carrying information to the NFC tag, and the NFC tag performs load modulation on the radio frequency electromagnetic field to send data to the NFC reader. In this application, the frame of the NFC technology of the physical card can be understood as the encoding format, modulation method, transmission rate, frame format, transmission protocol and command set of the three technologies of NFC-A, NFC-B and NFC-F.

When the NFC device is in the card simulation mode, there are generally two mobile payment methods: SE-based mobile payment and HCE-based mobile payment.

1. SE-based mobile payment. For the SE-based mobile payment method, refer to FIG. 1. At this time, the NFC application is stored in the SE, so the information of the NFC application is isolated from the operating system (OS). After receiving the business command sent by the NFC card reader (POS), the NFC controller routes the business command to the SE, and the corresponding NFC application stored in the SE executes the mobile payment transaction.

2. HCE-based mobile payment. In order to bypass the constraints of card issuers and meet the needs of rapid deployment of NFC applications, HCE-based mobile payment technology has emerged. At this time, the NFC application is stored in a trusted execution environment (trusted execution environment, TEE) or a rich execution environment (rich execution environment, REE). The HCE-based mobile payment technology can route the business instructions sent by the NFC card reader (POS) to a chip with computing processing capabilities such as an application processor (application processor, AP) by the NFC controller without the need for SE, and Notified by the operating system to the NFC application. Compared with the SE-based mobile payment method, the HCE-based mobile payment can enable any application in the NFC device to simulate a contactless card to communicate directly with the NFC card reader (POS).

ISO-DEP: ISO-DEP is ISO 14443 Data Exchange Protocol, which is a transmission protocol defined in ISO 14443-4. It is used for data interaction through the ISO-DEP protocol after the type 4A and 4B label platforms complete device activation.

Transparent transmission: transparent transmission (pass-through), refers to the transmission of the content from the source address to the destination address regardless of the business content transmitted during the communication, without making any changes to the content of the business data.

Standard static data: such as UID (User Identification), protocol type, interactive negotiation parameters, etc., are used to mark and distinguish physical cards, and can generate the corresponding relationship between physical cards and simulated cards.

Additional static data: Data that will not change during the card swiping process. Including: 1. The inherent information of the physical card, but not used to mark the physical card. Take the ID card as an example, the user's photo, name, etc.; 2. The ciphertext data information corresponding to the static key, which is generally related to security authentication. The difference between additional static data and standard static data lies in the acquisition time. Standard static data can generally be read and stored by NFC terminals during the card simulation (copy) stage, while additional static data generally needs to be stored in NFC readers and physical cards. Obtained in the data interaction phase. In addition, in the data interaction stage, it generally takes two or more times to obtain additional static data.

Dynamic data: data that will change during the card swiping process, such as the information corresponding to the dynamic key, which is generally related to security authentication and is used for authentication; for example, it is used to make the connection between the NFC card reader and the physical card Mutual authentication to confirm whether the physical card is a real and valid card and whether the NFC card reader has legal read and write permissions. One of the ways of expressing dynamic data is random numbers, but not limited to this. In addition, the financial related information of the physical card, such as the card balance information, because the card balance information will change as the target user swipes the card, so the card balance information is dynamic data.

Smart card selection strategy: intelligently select the required NFC analog cards based on the multi-directional information collected by the system without manual card selection, for example, associating different geographic location information with different cards, when the user enters different sensing areas , the system selects a card for the user in advance and switches to a card associated with the location according to the positioning and multi-directional sensor information movement data; or, associate different time information with different cards, when in different time intervals , the system selects a card for the user in advance and switches to a card associated with the location according to the time and multi-directional sensor information and motion data.

The first aspect of the embodiment of the present application provides a method for extending the NFC card simulation function, the method enables the NFC terminal to realize the simulation of the physical card through the NFC expansion device, and the NFC card reader obtains the standard static data of the physical card from the NFC terminal , additional static data, and dynamic data.

FIG. 1 is a schematic flow chart of a method for expanding the simulation function of an NFC card provided by an embodiment of the present application. Specifically, as follows:

S101: The NFC terminal obtains standard static data of the physical card through the NFC extension device, the NFC extension device communicates with the physical card based on a first communication protocol, and the NFC terminal communicates with the NFC extension device based on a second communication protocol. Specifically, in this step, the protocol between the NFC extension device and the physical card is a near field communication protocol, including: NFC protocol or RFID protocol. The protocol between the NFC extension device and the NFC terminal is a wireless communication protocol, including: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol. It can be understood that the communication protocol between the NFC terminal and the NFC extension device supports communication between the NFC terminal and the NFC extension device within a range of several meters to thousands of meters. The NFC terminal obtains the standard static data of the physical card through the NFC extension device to simulate the physical card into the NFC terminal. After the physical card completes the card simulation, the target user can perform card swiping operations on the NFC terminal.

S102: When the physical card is activated through the NFC terminal, the NFC card reader obtains standard static data of the physical card through the NFC terminal. Specifically, in this step, since the physical card has been emulated into the NFC terminal in step S101, the target user can perform a card selection operation on the NFC terminal, which activates the physical card. It should be understood that the NFC terminal may also activate the physical card required by the target user based on the smart card selection policy, without the target user performing a card selection operation. After the specific physical card is activated, the NFC terminal touches or approaches the NFC card reader, so that the NFC terminal and the NFC card reader are within the effective communication range (for example, 0-40cm). At this time, the NFC card reader acts as the initiator, generating a radio frequency field, and the NFC terminal, as the receiver, is generally in listening mode and obtains energy from the radio frequency field. The NFC card reader selects the transmission rate for data transmission, and the NFC terminal passes the load Modulation, data response at the same transmission rate, sending the standard static data of the physical card to the NFC reader.

S103: The NFC card reader obtains the additional static data and/or dynamic data of the physical card through the NFC terminal and the NFC extension device; or the NFC card reader obtains the additional static data of the physical card through the NFC terminal. Specifically, in this step, there are two processing logics for the read and write requests sent by the NFC card reader. One logic is that the read and write requests sent by the NFC card reader can be transparently transmitted to the physical card through the NFC extension device, It is used to obtain additional static data and/or dynamic data of the physical card; another logic is that for the read and write request sent by the NFC card reader, if the read and write request is to obtain the additional static data of the physical card, it can be sent by NFC The terminal directly returns additional static data without transparent transmission to the physical card.

S104: The NFC card reader manages the physical card through standard static data and/or additional static data and/or dynamic data of the physical card. Specifically, managing the physical card refers to, for example: obtaining the information of the target user in the physical card (such as the target user's name, age, photo, etc.), performing security authentication, such as performing security verification between the NFC card reader and the physical card. Authentication, to confirm that the physical card is the target physical card required by the target user. In addition, the financial information of the physical card, such as the card balance, etc. can be obtained. In addition, financial payment is also a form of management of the physical card.

Different from the prior art, the embodiment of the present application can obtain the standard static information of the physical card through the NFC expansion device to perform the card simulation operation, can also realize the card selection and swiping operation through the NFC terminal, and can also obtain the physical card information through the NFC expansion device. For dynamic data and/or additional static data, the NFC extension device and the NFC terminal are based on the wireless communication protocol, and the physical card is based on the near-field communication protocol, so that the user does not need to take out the physical card (the combination of the NFC expansion device and the physical card needs to be placed on the Carrying wallets, backpacks, suitcases, etc.), card selection and card swiping can be realized through the NFC terminal.

2 is a schematic diagram of a graphical user interface of an NFC terminal provided in the embodiment of the application. As shown in the figure, the NFC terminal 200 can display the corresponding relationship between the physical card and the simulated card on the graphical user interface 201, and the target user is on the NFC terminal 200. On the graphical user interface 201, the required physical card can be clicked according to the above corresponding relationship, so as to activate the required physical card.

In another optional implementation manner, the NFC terminal can realize automatic card selection based on a smart card selection strategy, without the need for the user to click on the NFC terminal 200, and the NFC terminal performs an automatic card selection operation based on geographic location information or time information, and such During the card selection operation, the NFC terminal can be in the following states: screen off, screen on, on or off.

Fig. 3 is a flowchart of a method for an NFC terminal to obtain standard static data of a physical card through an NFC extension device. as the picture shows:

S1021: The NFC terminal sends a card search command to allow the NFC extension device to send a first card search request; specifically, the NFC terminal and the extension device send a card search command based on a second communication protocol, such as Bluetooth, and the card search command uses So that the NFC extension device sends the first card-seeking request. Preferably, in this embodiment, when the NFC extension device receives the request sent by the NFC terminal, the NFC extension device is activated and in a working state; when the NFC extension device does not receive the request sent by the NFC terminal for a certain period of time, the NFC The extension device enters a low power consumption state, which can reduce the power consumption of the NFC extension device and reduce the heat generation of the extension device.

S1022: The NFC extension device sends a first card finding request to the physical card, for obtaining standard static data of the physical card.

S1023: The physical card sends standard static data to the NFC extension device in response to the first card finding request.

S1024: The NFC extension device sends standard static data to the NFC terminal. After the above steps, the physical card completes card simulation, and generates a simulated card corresponding to the physical card at the NFC terminal. It should be understood that the standard static data can be stored in the NFC terminal (exemplarily, a memory, a secure element (Secure Element, SE), a host-based card simulation application (Host-based Card Emulation, HCE), a Universal Integrated Circuit Card (Universal Integrated Circuit Card, UICC).

Fig. 4 is a schematic interaction diagram of an NFC card reader obtaining additional static data and/or dynamic data of a physical card through an NFC terminal and an NFC extension device according to an embodiment of the present application. as the picture shows:

S1031: The NFC card reader sends to the NFC terminal a read and write request for obtaining additional static data and/or dynamic data of the physical card. The number of read and write requests may be more than two, and the embodiment of the present application does not specifically limit the number of read and write requests for obtaining additional static data and/or dynamic data of the physical card.

S1032: The NFC terminal transparently transmits the read and write request to the NFC extension device. Specifically, the NFC terminal sends the read and write request to the NFC extension device through data forwarding. Specifically, the communication standard of the NFC terminal and the NFC extension device may be Bluetooth, Bluetooth Low Energy (Bluetooth Low Energy, BLE), WIFI, 4G or 5G, etc., which are not specifically limited in this embodiment.

S1033: The NFC extension device transparently transmits the read and write request to the physical card.

S1034: In response to the read-write request, the physical card sends a read-write response to the NFC extension device, where the read-write response includes dynamic data and/or the additional static data. Specifically, read and write responses correspond to read and write requests, so according to different read and write requests, read and write responses may include the following situations: 1. Only dynamic data; 2. Only additional static data; 3. Both dynamic data and additional static data.

S1035: The NFC extension device sends a read and write response to the NFC terminal.

S1036: The NFC terminal sends a read-write response to the NFC card reader. It should be understood that the NFC terminal sends the read-write response to the NFC card reader, and communicates with the card reader until the interaction is successful.

FIG. 5 is a schematic flowchart of obtaining additional static data provided by the embodiment of the present application. Referring to FIG. 4, as shown in the figure, after step S1035, that is, after the NFC extension device sends the read-write response to the NFC terminal, the NFC terminal stores M read-write requests and read-write responses. That is, the NFC terminal can store a record of read and write requests and read and write responses every time the target user swipes the card.

When M is a natural number less than 2, that is, when M is 0 or 1, the NFC terminal cannot calculate (comparison) through the algorithm to obtain additional static data because it does not store a sufficient number of read-write requests and read-write responses. Therefore, NFC The terminal needs to continue to store read and write requests and read and write responses during the target user's card swiping process.

When M is a natural number greater than or equal to 2, the NFC terminal stores more than 2 (including 2) read-write requests and read-write responses. The NFC terminal traverses the read and write requests to determine whether there are the same read and write requests, and the NFC terminal traverses the read and write responses. If the read and write responses corresponding to the same read and write requests are also the same, the read and write responses are additional static data. The request corresponding to the extra static data is an extra static data request, and the NFC terminal obtains the extra static data and the extra static data request. It should be understood that when M is 2, the purpose of obtaining the additional static data in this embodiment can be achieved, but the larger the value of M, the more accurate the result of the NFC obtaining the additional static data. The value of M can be adjusted according to actual needs, that is, this embodiment is a method of dynamically correcting and distinguishing to obtain additional static data.

In this implementation manner, operations such as the above judgment and comparison can be performed by writing an algorithm into the NFC terminal, but this embodiment of the application does not limit the specific implementation manner.

FIG. 6 is a schematic flowchart of a logic for processing read and write requests provided by an embodiment of the present application. When the NFC terminal receives the read and write request sent by the NFC card reader to obtain the additional static data and/dynamic data of the physical card, the NFC terminal can judge that if the read and write request is an additional static data request, the NFC terminal returns the additional static data , because this type of data has been stored in the NFC terminal (exemplarily, additional static data information can be stored in a memory, a secure element (SE, Secure Element), a host-based card simulation application (Host-based Card Emulation, HCE) application 1. Universal Integrated Circuit Card (Universal Integrated Circuit Card, UICC), if the read and write request is not an additional static data request, the NFC terminal transparently transmits the dynamic data request to the NFC extension device. The effect of this embodiment for distinguishing between dynamic data and additional static data is that, generally speaking, the content of dynamic data is relatively short, and the probability of communication timeout is relatively low, while the data content of additional static data is long, which is likely to cause timeout. According to the solution provided in this embodiment, on the one hand, when the target user swipes the card, the system responds faster, which can improve the efficiency of swiping the card; on the other hand, the occurrence of communication timeout is reduced, and the stability of the system is increased. In addition, dynamic data generally changes every time the card is swiped. Even if it is stored in the NFC terminal, returning it from the NFC terminal in the next swiping of the card cannot meet the purpose of this application, and even a communication error occurs.

In this application, standard static data and additional static data are obtained and stored by the NFC terminal. The effect of distinguishing standard static data, additional static data, and dynamic data and adopting different processing logics is that the responses corresponding to standard static data and additional static data are directly returned by the NFC terminal, which shortens the communication link and speeds up the communication response , Improve the efficiency of card swiping, reduce data loss, reduce the possibility of timeout, and increase the success rate of communication. The dynamic data changes every time the card is swiped. Therefore, every time the card is swiped, the dynamic data request needs to be routed to the physical card to obtain the dynamic data of the physical card. Generally speaking, the dynamic data is related to security authentication.

It should be noted that the basic data processing logic of this application is that when the NFC terminal receives the read and write requests, it does not identify, judge or distinguish the read and write requests, but sends them all to the NFC extension device, and then the NFC extension The device sends to the physical card to obtain additional static data and/or dynamic data of the physical card. This scheme is applicable to all physical cards, has a wide range of applications and has a low probability of error; another optional data processing logic is, The NFC terminal sends the read and write request for dynamic data to the NFC extension device, and then the NFC extension device sends it to the physical card. However, when the NFC terminal receives the read and write request for additional static data, the NFC terminal directly returns the additional static data. Data, there is no need to transparently transmit the read and write requests to the NFC expansion device, thereby shortening the communication link. The scope of application of the second processing logic for cards is narrower than that of physical cards under the basic processing logic. In practical applications, the target user can choose different processing logics on the NFC terminal, or the NFC terminal can decide independently to obtain the optimal processing logic.

In a possible implementation manner, the NFC terminal includes an HCE application, configured to transparently transmit the read-write request to the NFC extension device and send a read-write response to the NFC card reader.

In a possible implementation, the communication between the NFC terminal and the NFC card reader times out, and the NFC card reader resends overtime, resending N read and write requests to form N resent read and write requests, and the NFC extension device filters the The resent read/write request, and the read/write response corresponding to the read/write request is used as the resend response of the Nth resent read/write request, where N is a natural number greater than or equal to 1.

Specifically, if the timeout period of the NFC card reader is 90 milliseconds, and there are 3 times of timeout retransmission, at this time, there are 3 retransmitted read and write requests. The NFC extension device filters the retransmitted read and write requests, and uses the read and write response of the first read and write request sent by the NFC card reader (that is, the first read and write request sent by the NFC card reader) as the third resent read and write request. The retransmission response of the write request, therefore, in fact, the read and write responses within 270 milliseconds after the two or more read and write requests are sent are all received by the NFC card reader, that is, the timeout period of the extended NFC card reader is reached Effect. In this way, the disadvantage of terminating communication caused by multiple overtime retransmissions can be avoided, and the system stability can be increased. This embodiment is not limited by a specific communication protocol and has good adaptability.

In another possible implementation manner, when the NFC card reader resends overtime, the NFC extension device uses the first communication protocol to request the NFC card reader to set a longer timeout period. Specifically, when the NFC card reader times out, the entity card can use the WTOX req in ISO-DEP to apply for the NFC card reader to set a larger timeout period, so that the communication termination caused by multiple timeout retransmissions can be avoided. Disadvantages, increase system stability. Use WTOX req to apply for NFC card reader to set a larger timeout time, which is flexible and can be adjusted accordingly for different read and write requests. It should be understood that this embodiment needs to be used under the ISO-DEP protocol.

In another possible implementation, when the NFC card reader resends overtime, then in the card simulation stage, set the frame waiting time Integer (Frame Waiting time Integer, FWI) to apply for the NFC card reader to set the timeout time.

FIG. 7 is a flow chart of a method for dealing with a communication timeout problem provided by an embodiment of the present application. Referring to Figure 7, after the NFC terminal obtains the standard static data of the physical card through the NFC extension device, that is, after the NFC terminal reads the standard static data of the physical card, because the standard static data contains FWI, the NFC terminal can judge (that is, according to the program , algorithm, etc.) whether the FWI parameter is appropriate, and set different FWI parameters based on different physical cards. In this embodiment, when the FWI parameter is large, the response time requirement is relatively low, and the compatibility is better. In this way, the disadvantage of terminating communication caused by multiple overtime retransmissions can be avoided, and the compatibility of the scheme can be improved. Generally speaking, when the FWI parameter is large, the response time requirement is relatively low, and the compatibility is better.

Further, the NFC terminal sets the FWI parameter based on the FWI of the physical card and the parameters of the card reader at the same time. The parameter can be a communication timeout parameter. Setting the FWI parameter based on two different data information can make the NFC terminal set More precise FWI parameters.

Further, after the NFC terminal sets the FWI parameter to apply for the NFC card reader to set the timeout period, there is still a situation of overtime retransmission, then the NFC terminal resets the frame waiting integer time to apply for the NFC card reader Set a larger timeout. In this embodiment, the NFC terminal sets the FWI parameters according to the standard static data of the physical card and/or the communication timeout parameters of the card reader during the card simulation stage, but in the actual swiping of the card by the target user, there is still a timeout situation. That is, in the case of failure to swipe the card, the NFC terminal resets the FWI parameter at this time to apply for a larger timeout period for the NFC card reader to avoid re-swiping after timeout again, that is, the reset FWI parameter replaces the NFC terminal in the card simulation The stage is based on standard static data and/or the FWI parameters set by the communication timeout parameters of the card reader, so that the NFC card reader can be better adapted to improve the success rate and efficiency of card swiping. It should be understood that this embodiment needs to be used under the ISO-DEP protocol.

Further, the NFC terminal records the reset FWI parameter, and this parameter forms a mapping with the physical card and the NFC card reader, and can be called in the subsequent communication between the NFC terminal and the NFC card reader. It should be understood that this embodiment needs to be used under the ISO-DEP protocol.

It should be understood that the above processing methods in the case of timeout retransmission can be used in conjunction with each other, or can be used independently.

If timeout still exists after the above method is executed, the NFC terminal notifies the target user that the physical card cannot be compatible.

FIG. 8 is a schematic interaction diagram of stages provided by the embodiment of the present application. As shown in the figure, it includes three phases: card simulation phase, card activation phase and card interaction phase.

Card emulation stage: S801-S805.

S801: The NFC terminal sends a card search command to the NFC extension device, where the card search command is used to make the NFC extension device send a first card search request.

S802: The NFC extension device sends a first card finding request to the physical card, where the first card finding request is used to obtain standard static data of the physical card.

S803: The entity card sends standard static data to the NFC extension device in response to the first card finding request.

S804: The NFC extension device sends standard static data to the NFC terminal.

S805: Generate, on the NFC terminal, a mapping relationship between the simulated card and the physical card according to the standard static data.

Card activation phase: S806-S808.

S806: The NFC terminal receives a card selection instruction.

S807: The NFC card reader sends a second card finding request to the NFC terminal, where the second card finding request is used to acquire standard static data of the physical card.

S808: The NFC terminal sends the standard static data to the NFC card reader.

Card interaction stage: S809-S814.

S809: The NFC card reader sends a read and write request to the NFC terminal, for acquiring dynamic data and/or additional static data of the physical card.

S810: The NFC terminal transparently transmits the read and write request to the NFC extension device.

S811: The NFC extension device transparently transmits the read and write request to the physical card.

S812: The physical card sends a read/write response to the extension device. The read/write response may be in the following three situations: ① only additional static data; ② only dynamic data; ③ additional static data and dynamic data.

S813: The NFC extension device sends a read and write response to the NFC terminal.

S814: The NFC terminal sends a read-write response to the NFC card reader, and communicates with the NFC card reader until the interaction is successful.

The second aspect of the present application provides a method applied to an NFC terminal. The NFC terminal can realize card simulation through an NFC expansion device, specifically including:

In one embodiment, the NFC terminal obtains the standard static data of the entity card through the NFC extension device, and the NFC terminal and the entity card communicate based on a near-field communication protocol, such as: NFC protocol or RFID protocol; the NFC terminal and the NFC extension device are based on wireless Communication protocol communication, such as: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.

After obtaining the standard static data of the physical card, the NFC terminal can generate a mapping relationship between the simulated card and the physical card.

Further, the NFC terminal receives a card selection instruction, and the card selection instruction includes two types: one is that the target user selects a card according to the mapping relationship between the simulated card and the physical card and his actual needs, that is, the user needs to manually operate; It is a smart card selection strategy, that is, the NFC terminal receives an operation instruction to intelligently select the required NFC analog card based on the multi-directional information collected by the system without manual card selection. It should be understood that no matter what kind of card selection instruction is used, the target user does not need to take out the physical card to swipe the card, and the NFC terminal can realize card selection and card swipe operations.

Further, the NFC terminal receives a read/write request for acquiring additional static data and/or dynamic data of the entity card sent by the NFC card reader, and receives a read/write response containing the additional static data and/or dynamic data. That is, the read and write responses received by the NFC terminal include three situations: ① only additional static data; ② only dynamic data; ③ additional static data and dynamic data. And, the NFC terminal sends additional static data and/or dynamic data to the NFC card reader.

For the read and write requests of the card reader, the NFC terminal has two processing logics: one of them is transparently transmitted to the NFC extension device. Taking the communication protocol between the NFC extension module and the NFC terminal as an example using the Bluetooth protocol, the NFC extension device receives After receiving the data on the Bluetooth channel, the NFC technology frame corresponding to the physical card will be used to transparently transmit the read and write request to the physical card. The other is that the NFC terminal receives a read-write request. If the read-write request requires additional static data of the physical card, the data can be directly returned to the NFC card reader by the NFC terminal without transparently transmitting it to the NFC expansion device. , if the read-write request needs the dynamic data of the physical card, the read-write request is still routed to the NFC extension device. This processing logic can shorten the communication link, reduce the occurrence of timeouts, and increase communication efficiency and success rate . For the second processing logic, the NFC terminal needs to obtain additional static data first. For the specific implementation of this part, please refer to the relevant descriptions of the embodiments corresponding to FIG. 5 and FIG. 6 , and details will not be repeated here.

In the third aspect, the embodiment of the present application provides an NFC card simulation method applied to an NFC extension device, which is used to realize the card simulation of the physical card in the NFC terminal through the NFC extension device, and the NFC extension device and the entity card are based on the first Communication protocol communication, NFC terminal and NFC extension device communicate based on the second communication protocol, the first communication protocol is near field communication protocol, near field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is wireless communication protocol, wireless communication Protocols include: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol. Specifically include:

The NFC extension device receives the card search command sent by the NFC terminal to obtain the standard static data of the physical card;

The NFC expansion device sends the card search command to the physical card;

The NFC extension device receives the standard static data returned by the physical card and sends it to the NFC terminal, so that the NFC terminal generates a mapping relationship between the analog card and the physical card on the NFC terminal according to the standard static data of the physical card.

Further, the NFC extension device receives the read and write request sent by the NFC terminal for obtaining additional static data and/or dynamic data of the entity card, and the NFC extension device obtains the additional static data and/or dynamic data of the entity card from the entity card; and

Send additional static data and/or dynamic data of the physical card to the NFC terminal. In this embodiment, the NFC extension device communicates with the NFC terminal and the physical card based on different protocols, and communicates with the NFC terminal based on a wireless communication protocol. Taking Bluetooth as an example, the distance between the NFC extension device and the NFC terminal can be several meters to tens of meters. The communication distance between the NFC expansion device and the physical card is based on the near-field communication protocol, that is, the NFC expansion device is generally attached or set on the physical card (for example, the communication distance between the expansion device and the physical card is 20m). In this way, the target user puts the miniaturized NFC expansion device and the physical card together, and then puts them in the wallet or backpack, or puts them in the pocket of the trousers, and then selects and swipes the card through the NFC terminal. , the effect of swiping the card without taking out the physical card can be realized, the operation is simple, and the safety and convenience are increased.

In a fourth aspect, the embodiment of the present application provides a terminal. FIG. 9 is a schematic diagram of a hardware structure of an NFC terminal provided by an embodiment of the present application. It should be understood that the NFC terminal shown in FIG. 9 is only an example, and that the NFC terminal may have more or fewer components than those shown in FIG. 9, may combine two or more components, or may have Different component configurations. The various components shown in the figures may be implemented in hardware, software, or a combination of hardware and software including one or more signal processing and/or application specific integrated circuits.

As shown in the figure, the NFC terminal includes: a memory 910, a processor 920, and a chip 930 supporting the first communication protocol and the second communication protocol. Wherein, the processor 920 may include one or more processing units, for example: the processor 110 may include an application processor (application processor, AP), a modem processor, a graphics processing unit (graphics processing unit, GPU), an image signal Processor (image signal processor, ISP), controller, memory, video codec, digital signal processor (digital signal processor, DSP), baseband processor, etc.

A memory may also be provided in the processor 920 for storing instructions and data. The memory 910 is coupled to the processor 920, and the memory 910 is used for storing computer program codes. The memory 910 may be used to store computer-executable program code, which includes instructions. The processor 920 executes various functional applications and data processing of the NFC terminal by executing instructions stored in the memory 910 .

In one embodiment, the processor 920 calls the computer instructions to make the NFC terminal execute:

The standard static data of the physical card is obtained through the NFC expansion device, the communication between the NFC expansion device and the physical card is based on the first communication protocol, and the communication between the NFC terminal and the NFC expansion device is based on the second communication protocol; wherein, the first communication protocol is near field communication Protocol, the near-field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is a wireless communication protocol, and the wireless communication protocol includes: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.

According to the standard static data of the physical card, the mapping relationship between the simulated card and the physical card is generated on the NFC terminal;

Receive the card selection command based on the mapping relationship, and activate the physical card corresponding to the card selection command;

Receive the read and write request sent by the NFC card reader to obtain additional static data and/or dynamic data of the physical card, and the NFC terminal obtains the read and write response returned by the physical card through the NFC expansion device, and the read and write response contains additional static data and/or dynamic data data; and

Send additional static and/or dynamic data of the physical card to the NFC reader.

Further, the processor 920 can be used to judge whether the memory 910 reads and writes requests and reads and writes corresponding storage times M is a natural number greater than or equal to 2. The specific judgment process can refer to the relevant description of the method embodiment in FIG. 5 above. Here I won't go into details for now.

Further, the processor 920 may also be used to judge and obtain additional static data. For a specific judgment method, refer to the related description of the method embodiment in FIG. 5 above.

Further, the processor 920 may also be used to determine whether the read/write request is an additional static data request, and for a specific determination method, refer to the related description of the method embodiment in FIG. 6 above.

The memory 910 is coupled to the processor 920, and the memory 910 is used for storing computer program codes. The memory 910 may be used to store computer-executable program code, which includes instructions. The processor 110 executes various functional applications and data processing of the electronic device 100 by executing instructions stored in the memory 910 . The memory 910 may be used to store application programs required for executing the method based on the extended NFC card simulation function provided by the embodiment of the present application. In some embodiments, the memory 910 can also be used to store data generated or created by the electronic device when executing the method for extending the emulation function of the NFC card, such as standard static data, additional static data, dynamic data, and the like. For example, the UID of the physical card, the FWI parameter, the radio frequency parameter used when successfully executing the NFC communication process with the physical card, and the like.

The embodiment of the present application does not limit the type of the NFC terminal. The NFC terminal can be a mobile phone, a tablet computer, a personal digital assistant (personal digital assistant, PDA), a wearable device (such as a smart bracelet, a smart watch), a laptop computer (laptop), a computer with a touch-sensitive surface (such as a touch panel) Portable electronic devices such as laptops. Exemplary embodiments of portable electronic devices include, but are not limited to, portable electronic devices running iOS, android, microsoft, or other operating systems.

In a fifth aspect, the embodiment of the present application provides an NFC extension device. FIG. 10 is a schematic diagram of a hardware structure of an NFC extension device provided in an embodiment of the present application. As shown in the figure, the NFC extension device includes: a processor 1001, an application module 1002 (Application), an operating system module 1003 (Operating System, OS), a transmission module 1003, and a radio frequency identification module 1005.

The processor 1001, specifically, the processor may be a Microcontroller Unit (MCU).

The transmission module 1004 is used to communicate with the NFC terminal based on the second communication protocol, receive the card search command sent by the NFC terminal for obtaining the standard static data of the physical card, send the card search command to the physical card, and transfer the standard static data based on the second The communication protocol is sent to the NFC terminal, so that the NFC terminal generates a mapping relationship between the simulated card and the physical card on the NFC terminal according to the standard static data of the physical card.

The communication between the transmission module 1004 and the NFC terminal may be based on different types of communication standards. For example, the communication standard in this embodiment may be Bluetooth Low Energy (Bluetooh Low Energy, BLE), or WiFi, 3G, 4G or 5G, which is not specifically limited in this embodiment of the present application. When the transmission module 1004 receives the request sent by the NFC terminal, the NFC extension device is activated and in a working state. When the NFC terminal does not receive the request sent by the NFC terminal for more than a certain period of time, the NFC extension device enters a low power consumption state, which can Reduce the power consumption of the NFC extension device and reduce the heat generation of the extension device.

The radio frequency identification module 1005 is used for communicating with the entity card based on the first communication protocol, and receiving the standard static data returned by the entity card. The first communication protocol is a near field communication protocol, including: NFC protocol or RFID protocol.

Further, the transmission module 1004 is also configured to receive a read and write request for acquiring additional static data and/or dynamic data of the physical card sent by the NFC terminal, and send the additional static data and/or dynamic data of the physical card to the NFC terminal.

Further, the radio frequency identification module 1005 is further configured to acquire additional static data and/or dynamic data of the physical card from the physical card.

Fig. 11 is a schematic diagram of a product form provided by the embodiment of the present application. As shown in the figure, the wallet 1100 is a wallet installed with an NFC extension device 1101, a physical card 1102 is placed in the wallet 1000, and the physical card 1102 and the NFC extension device 1101 are within an effective communication distance. The target user can put the wallet 1100 into the pocket of the jacket or trousers worn by the target user, or it can be placed in the backpack carried by the target user. The NFC extension device communicates with the mobile phone of the target user based on communication standards such as Bluetooth, and the communication of Bluetooth The distance is generally several meters or more than tens of meters, so the degree of freedom for the target user to swipe the card is increased. The user does not need to take out the physical card, and can swipe the card by putting the mobile phone close to the NFC card reader, which increases the efficiency of card swiping and reduces the risk of card loss. . This embodiment does not limit the form of the NFC extension device, as long as the NFC extension device and the physical card are within the effective communication range, and the implementation of the NFC extension device and the NFC terminal within the effective communication range falls within the scope of protection of this application.

In addition, as shown in FIG. 12 , the target user can place the NFC extension device in the suitcase 1200 and the physical card in the suitcase 1200 as long as the physical card and the NFC extension device 1201 are within an effective communication distance. The target user does not need to take out the physical card that cannot be simulated by the NFC terminal to swipe the card, which increases the convenience of swiping the card and reduces the risk of losing the physical card. This embodiment does not limit the form of the NFC extension device, as long as the NFC extension device and the physical card are within the effective communication range, and the implementation of the NFC extension device and the NFC terminal within the effective communication range falls within the scope of protection of this application.

In addition, as shown in FIG. 13 , the extension device 1301 may be in the form of a thin and light card sticker, and attached to the physical card 1300 . In this way, the target user can put the physical card 1000 attached with the extension device 1301 in the pocket of clothes and/or trousers; or in the wallet, as long as the extension device 1301 and the NFC terminal are within an effective communication range.

In addition, the expansion device 1301 can be in the form of a card holder, so that the physical card 1300 can be placed in the expansion device 1301 .

This application does not limit the form of the NFC extension device, as long as the NFC extension device and the entity card are within the effective communication range and can achieve the purpose of the invention as described in the above embodiments, the implementation methods fall within the protection scope of this application.

The above descriptions are only preferred embodiments of the application, and are not intended to limit the application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the application shall be included in the protection of the application. within range.

Claims

A method for expanding the NFC card simulation function, wherein, the NFC terminal realizes the simulation of the physical card through the NFC expansion device, and the NFC card reader obtains the standard static data and/or additional static data and/or of the physical card from the NFC terminal or dynamic data, the method specifically includes:

When the entity card is activated by the NFC terminal, the NFC card reader obtains the standard static data of the entity card through the NFC terminal; wherein, the standard static data of the entity card is passed by the NFC terminal The NFC extension device obtains, the NFC extension device communicates with the entity card based on a first communication protocol, and the NFC terminal communicates with the NFC extension device based on a second communication protocol; the NFC card reader passes The NFC terminal and the NFC extension device obtain additional static data and/or dynamic data of the entity card; or the NFC card reader obtains additional static data of the entity card through the NFC terminal; and

The NFC card reader manages the physical card through the standard static data and/or additional static data and/or dynamic data of the physical card.
The method according to claim 1, wherein the first communication protocol is a near-field communication protocol, and the near-field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is a wireless communication protocol, and the The wireless communication protocol includes: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.
The method according to claim 1 or 2, wherein the NFC terminal obtains the standard static data of the entity card through the NFC extension device, further comprising:

The NFC terminal sends a card search command, which is used to allow the NFC extension device to send a first card search request;

The NFC extension device sends a first card-seeking request to the physical card for obtaining standard static data of the physical card;

The entity card sends the standard static data to the NFC extension device in response to the first card search request; and

The NFC extension device sends the standard static data to the NFC terminal.
The method according to any one of claims 1-3, wherein the entity card is activated through the NFC terminal, further comprising: displaying the simulated card and the NFC terminal on the NFC terminal according to the standard static data The mapping relationship of the physical card, the target user applies a card selection request to the NFC terminal according to the mapping relationship, so as to activate the physical card required by the target user.
The method according to any one of claims 1-3, wherein the entity card is activated through the NFC terminal, further comprising: generating the simulated card and the card on the NFC terminal according to the standard static data For the mapping relationship of the physical card, the NFC terminal receives a smart card selection policy based on the mapping relationship to activate the physical card required by the target user.
The method according to claim 5, wherein the smart card selection strategy comprises: a smart card selection strategy based on geographic location information or a smart card selection strategy based on time information.
The method according to any one of claims 1-6, wherein the NFC card reader obtains additional static data and/or dynamic data of the entity card through the NFC terminal and the NFC extension device, further comprising:

The NFC card reader sends a read and write request to the NFC terminal to obtain the dynamic data and/or additional static data of the entity card;

The NFC terminal transparently transmits the read-write request to the NFC extension device;

The NFC extension device transparently transmits the read-write request to the physical card;

The entity card returns a read-write response to the NFC extension device in response to the read-write request, and the read-write response includes the dynamic data and/or the additional static data;

The NFC extension device sends the read-write response to the NFC terminal; and

The NFC terminal sends the read-write response to the NFC card reader.
The method according to claim 7, wherein the NFC card reader obtains the additional static data of the entity card through the NFC terminal, further comprising:

After the NFC extension device sends the read-write response to the NFC terminal, the NFC terminal stores the read-write request and the read-write response M times, and when M is a natural number less than 2, the The NFC terminal continues to store the read-write request and the read-write response;

When M is a natural number greater than or equal to 2, and when the read-write request and the read-write response corresponding to the read-write request are identical at the same time, the read-write response is additional static data corresponding to the additional static data The request is an additional static data request, and the NFC terminal obtains the additional static data and the additional static data request.
The method according to claim 8, wherein the NFC card reader obtains the additional static data of the entity card through the NFC terminal, further comprising:

When the read and write request received by the NFC terminal is the additional static data request, the NFC terminal returns the additional static data; or,

When the read-write request is not the additional static data request, the read-write request is a dynamic data request, and the dynamic data request is transparently transmitted to the NFC extension device by the NFC terminal.
The method according to any one of claims 1-9, wherein the standard static data is information used to distinguish physical cards, including UID, communication protocol type or interaction negotiation parameters; the additional static data is The information that will not change during the process includes: target user information or static key information; the dynamic data is information that will change during the card swiping process, including: dynamic key information or financial related information.
The method according to any one of claims 1-10, wherein the method further comprises: directly affixing or sheathing the NFC extension device on the physical card, or indirectly affixing the NFC extension device Or set on the physical card.
The method according to claim 7, wherein the NFC terminal includes an HCE application for transparently transmitting the read-write request to the NFC extension device and for sending the read-write response to the NFC reader card holder.
The method according to claim 7 or 12, wherein the method further comprises:

When the NFC card reader resends overtime, resends the read and write requests N times to form N resent read and write requests, wherein N is a natural number greater than or equal to 1;

The NFC extension device filters the retransmitted read-write request, and uses the read-write response corresponding to the read-write request as the retransmission response of the Nth retransmitted read-write request, where N is greater than or equal to 1 Natural number.
The method according to claim 7 or 12, wherein the method further comprises:

When the NFC card reader resends overtime, the NFC terminal applies to the NFC card reader to set a larger timeout time through the first communication protocol.
The method according to any one of claims 1-14, wherein the method further comprises: after the NFC terminal obtains the standard static data of the entity card through the NFC extension device, the NFC terminal Based on the standard static data and/or the parameters of the NFC card reader, the frame wait integer time (FWI) is set to apply for the NFC card reader to set the timeout period, and the parameters include: communication timeout parameters .
The method according to claim 15, wherein the method further comprises: after the NFC terminal sets the frame to wait for an integer time to apply for the NFC card reader to set the timeout time, there is still a possibility of overtime retransmission In this case, the NFC terminal resets the frame waiting integer time to apply to the NFC card reader to set a larger timeout period.
The method according to claim 16, wherein, when there is an overtime retransmission, after the NFC terminal resets the frame and waits for an integer time, the NFC terminal records the NFC terminal resets the The frame waits for an integer time, and is used for calling in the subsequent communication between the NFC terminal and the NFC card reader.
A method for NFC card simulation, wherein the NFC terminal realizes the simulation of the physical card through the NFC extension device, the method comprising:

The NFC terminal obtains the standard static data of the entity card through the NFC extension device, the NFC extension device communicates with the entity card based on a first communication protocol, and the NFC terminal and the NFC extension device are based on second communication protocol communication;

According to the standard static data of the physical card, a mapping relationship between the simulated card and the physical card is generated on the NFC terminal.
The method according to claim 18, wherein said method further comprises:

The NFC terminal receives a card selection instruction based on the mapping relationship, and activates the physical card corresponding to the card selection instruction;

The NFC terminal receives a read-write request for obtaining additional static data and/or dynamic data of the physical card sent by the NFC card reader, and the NFC terminal obtains a read-write response of the physical card through the NFC extension device, said read and write responses contain additional static data and/or dynamic data; and

sending the additional static data and/or dynamic data of the physical card to the NFC card reader.
The method according to claim 18 or 19, wherein the first communication protocol is a near field communication protocol, and the near field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is a wireless communication protocol, The wireless communication protocol includes: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.
The method according to claim 19, wherein the NFC terminal sends the additional static data and/or dynamic data of the entity card to the NFC card reader, further comprising:

The NFC terminal sends the additional static data and/or dynamic data sent to the NFC terminal by the NFC extension device; or

The NFC terminal returns the additional static data to the NFC card reader, and the NFC terminal sends the dynamic data sent to the NFC terminal by the NFC extension device.
The method according to claim 21, wherein the NFC terminal returns the additional static data to the NFC card reader, further comprising:

After the NFC terminal obtains the read-write response of the entity card through the NFC extension device, the NFC terminal stores the read-write request and the read-write response M times, and when M is a natural number less than 2, The NFC terminal continues to store the read-write request and the read-write response;

When M is a natural number greater than or equal to 2, and when the read-write request and the read-write response corresponding to the read-write request are identical at the same time, the read-write response is additional static data corresponding to the additional static data The request is an additional static data request, and the NFC terminal obtains the additional static data and the additional static data request.
The method according to claim 22, wherein the NFC terminal returns the additional static data to the NFC card reader, further comprising:

When the read and write request received by the NFC terminal is the additional static data request, the NFC terminal returns the additional static data; or,

When the read-write request is not the additional static data request, the read-write request is a dynamic data request, and the dynamic data request is transparently transmitted by the NFC terminal to the NFC extension device to obtain the physical card For dynamic data, the NFC terminal receives the dynamic data and sends the dynamic data to the NFC card reader.
A method for emulating an NFC card, wherein the method is used to realize card emulation of an entity card in an NFC terminal through an NFC extension device, wherein the NFC extension device and the entity card communicate based on a first communication protocol, and the NFC extension device communicates with the entity card based on a first communication protocol. The NFC terminal communicates with the NFC extension device based on a second communication protocol, and the method includes:

The NFC extension device receives a card search command sent by the NFC terminal for obtaining standard static data of the physical card;

The NFC extension device sends the card search command to the physical card;

The NFC extension device receives the standard static data returned by the physical card and sends it to the NFC terminal, so that the NFC terminal generates a simulated card and the static data on the NFC terminal according to the standard static data of the physical card. The mapping relationship between the physical cards described above.
The method according to claim 24, wherein said method further comprises:

The NFC extension device receives a read and write request for obtaining additional static data and/or dynamic data of the physical card sent by the NFC terminal, and the NFC extension device obtains the additional static data and/or dynamic data of the physical card from the physical card. Data at rest and/or data in motion; and

sending the additional static data and/or dynamic data of the physical card to the NFC terminal.
The method according to claim 24 or 25, wherein the first communication protocol is a near field communication protocol, and the near field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is a wireless communication protocol, The wireless communication protocol includes: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.
An NFC terminal, wherein the NFC terminal supports a first communication protocol and a second communication protocol, and the NFC terminal includes: a memory, a chip supporting the first communication protocol and the second communication protocol, and one or more processors; The memory is coupled to the one or more processors, the memory is used to store computer program code, the computer program code includes computer instructions, and the one or more processors invoke the computer instructions to make the The NFC terminal executes:

Obtain the standard static data of the entity card through the NFC extension device, the NFC extension device communicates with the entity card based on a first communication protocol, and the NFC terminal communicates with the NFC extension device based on a second communication protocol;

According to the standard static data of the physical card, a mapping relationship between the simulated card and the physical card is generated on the NFC terminal.
The NFC terminal according to claim 27, wherein the one or more processors are further configured to call the computer instructions so that the NFC terminal performs:

receiving a card selection instruction based on the mapping relationship, and activating the physical card corresponding to the card selection instruction;

receiving the read-write request sent by the NFC card reader to obtain additional static data and/or dynamic data of the physical card, the NFC terminal obtains the read-write response returned by the physical card through the NFC extension device, and the read-write write responses containing additional static data and/or dynamic data; and

sending the additional static data and/or dynamic data of the physical card to the NFC card reader.
The NFC terminal according to claim 27 or 28, wherein the first communication protocol is a near field communication protocol, and the near field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is a wireless communication protocol , the wireless communication protocol includes: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.
The NFC terminal according to claim 28, wherein, when the NFC terminal sends additional static data and/or dynamic data of the entity card to the NFC card reader, the one or more processors Specifically for calling the computer instruction so that the NFC terminal executes:

sending the additional static data and/or dynamic data sent by the NFC extension device to the NFC terminal; or

The NFC terminal returns the additional static data to the NFC card reader, and the NFC terminal sends the dynamic data sent to the NFC terminal by the NFC extension device.
The NFC terminal according to claim 30, wherein, when the NFC terminal returns the additional static data to the NFC card reader, the one or more processors are specifically configured to call the computer instructions to causing the NFC terminal to execute:

After the NFC terminal obtains the read-write response of the entity card through the NFC extension device, the NFC terminal stores the read-write request and the read-write response M times, and when M is a natural number less than 2, The NFC terminal continues to store the read-write request and the read-write response;

When M is a natural number greater than or equal to 2, and when the read-write request and the read-write response corresponding to the read-write request are identical at the same time, the read-write response is additional static data corresponding to the additional static data The request is an additional static data request, and the NFC terminal obtains the additional static data and the additional static data request.
The NFC terminal according to claim 30 or 31, wherein, when the NFC terminal returns the additional static data to the NFC card reader, the one or more processors are further configured to call the computer Instructions to cause the NFC terminal to execute:

When the received read and write request is the additional static data request, the NFC terminal returns the additional static data; or,

When the read-write request is not the additional static data request, the read-write request is a dynamic data request, and the dynamic data request is transparently transmitted by the NFC terminal to the NFC extension device to obtain the physical card For dynamic data, the NFC terminal receives the dynamic data and sends the dynamic data to the NFC card reader.
An NFC extension device, wherein the NFC extension device is used for communicating with an NFC terminal and an entity card, including: a processor, an application module, an operating system module, a transmission module and a radio frequency identification module, wherein,

The transmission module is configured to communicate with the NFC terminal based on the second communication protocol, receive a card search command sent by the NFC terminal for obtaining standard static data of the entity card, and send the card search command to the entity card, sending the standard static data to the NFC terminal based on the second communication protocol, so that the NFC terminal generates a connection between the simulated card and the physical card on the NFC terminal according to the standard static data of the physical card Mapping relations;

The radio frequency identification module is used to communicate with the entity card based on the first communication protocol, and receive the standard static data returned by the entity card.
The NFC extension device according to claim 33, wherein the NFC extension device is also used for:

The transmission module is used to receive a read and write request sent by the NFC terminal for obtaining additional static data and/or dynamic data of the entity card, and the radio frequency identification module is used to obtain the entity card from the entity card additional static data and/or dynamic data of the card; and

The transmission module is used to send the additional static data and/or dynamic data of the entity card to the NFC terminal.
The NFC extension device according to claim 33 or 34, wherein the first communication protocol is a near field communication protocol, and the near field communication protocol includes: NFC protocol or RFID protocol; the second communication protocol is wireless communication Protocol, the wireless communication protocol includes: Bluetooth protocol, WiFi protocol, 3G protocol, 4G protocol or 5G protocol.