CN101383018A - Method for implementing non-contact payment based on intelligent storage card and mobile phone - Google Patents
Method for implementing non-contact payment based on intelligent storage card and mobile phone Download PDFInfo
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- CN101383018A CN101383018A CNA2007100940680A CN200710094068A CN101383018A CN 101383018 A CN101383018 A CN 101383018A CN A2007100940680 A CNA2007100940680 A CN A2007100940680A CN 200710094068 A CN200710094068 A CN 200710094068A CN 101383018 A CN101383018 A CN 101383018A
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Abstract
The invention discloses a method for realizing contactless payment based on an intelligent SD memory card and a mobile phone. Three technical proposals are adopted to realize the method, namely, technical proposal 1: a mobile phone provided with a dedicated antenna and a CPU IC for contactless payment, wherein, the dedicated antenna comprises a thin metal plate, a metal layer, a metal wire, an earthing device and a feeder device; technical proposal 2: a mobile phone provided with a dedicated antenna, a microwave modem and a CPU IC (an intelligent SD memory card) for contactless payment, wherein, the dedicated antenna comprises a metal layer, a metal wire and an earthing device; and the dedicated antenna and the microwave modem are embedded on a PCB (a phone mainboard); and technical proposal 3: a mobile phone provided with an antenna and an intelligent memory card bonded with a thin film for contactless payment, wherein, the thin film comprises an antenna device and an interface. By applying the three technical proposals, a method of safe and reliable contactless mobile payment can be realized.
Description
Technical field
The present invention relates to a kind of method of depositing SD card storage and mobile phone realization contactless payment based on intelligence.
Background technology
Universal day by day along with computing machine, internet, the especially develop rapidly of mechanics of communication, cash, conventional payment means such as bill and credit card are replaced by electronic payment mode gradually.The so-called E-Payment by mails is exactly the litigant of electronic transaction, comprises consumer, manufacturer and financial institution, and E-Payment means safe in utilization are carried out monetary payoff or fund flow by network.Has convenient, fast, efficient, economic advantage.
On the other hand, along with developing rapidly of mobile communication technology and payment technology, mobile payment has become an emerging technical field.Mobile payment is exactly mobile communication technology and the product that the E-Payment technology combines, and has merged the functional characteristics of mobile phone and handheld POS, makes payment system thoroughly break away from the restriction of unfavorable factors such as time, place.
Now, the non-contact mobile payment solution mainly contains: the NFC technology of Nokia, the SIMPASS technology of holding odd data and intelligent memory card mobile payment technology etc.
NFC (Near Field Commuication) is integrated by the non-contact radio-frequency identification and the technology that interconnects to develop, and is a kind of technology that is used for wireless near field communication.The NFC technology of Nokia mainly is that contactless smart card is embedded in the mobile phone, and the processing power by mobile phone realizes the non-contact mobile payment function simultaneously.
The SIMPASS technological incorporation DI technology and SIM technology, utilize the SIMPASS technology, can under the support of cordless communication network and corresponding mobile-phone payment service platform, carry out various on-the-spot mobile payment services based on mobile phone.Use the user of DISIM only to need before corresponding consumption terminal, to wave, can safely, easily finish the non-contact mobile payment function.
Intelligent memory card mobile payment technology is to be connected to form through circuit by chip controller, standard extension interface, CPU IC (be embedded microprocessor, have the IC module of computing function), memory module and RF module and antenna thereof.Mobile phone can be connected with this standard extension card by standard extension interface, thereby carries out read/write operation.Combine by mobile phone and intelligence storage SD card, can support remote online payment and two kinds of modes of payments of on-the-spot non-contact mobile payment simultaneously.
Summary of the invention
The object of the present invention is to provide a kind of method of depositing SD card storage and mobile phone realization contactless payment based on intelligence.
The technical scheme that realizes objects of the present invention is as follows:
Technical scheme 1: a kind of mobile phone that has special antenna and CPU IC realization contactless payment, wherein special antenna comprises: sheet metal, metal level, metal wire, earthing device and feeder means (as shown in Figure 3).The transport stream signal journey of the technical program is as shown in Figure 6: intelligent SD storage card (CPU IC) is inserted in the SD card slot of mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone, there is a feeder means will receive the electromagnetic wave of fixed frequency (13.56MHz) in the special antenna in the mobile phone and sends to the SD card slot of mobile phone by metal wire, intelligence SD storage card (CPUIC) is by being connected with special PIN pin (the PIN pin that installs additional in the mobile phone SD card slot as required) in the mobile phone SD card slot, its inner intelligent chip will receive this group electromagnetic wave of fixed frequency (13.56MHz), thereby finish whole transmission course.
Technical scheme 2: a kind of mobile phone that has special antenna, microwave modulator-demodular unit and CPU IC (intelligent SD storage card) realization contactless payment, special antenna wherein comprises: metal level, metal wire and earthing device.Special antenna and microwave modulator-demodular unit are embedded on the PCB (cell phone mainboard).The transport stream signal journey of the technical program is as shown in Figure 7: intelligent SD storage card (CPU IC) is inserted in the SD card slot of mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone, be embedded in microwave modem chip on the PCB (cell phone mainboard) will dam fixed frequency (13.56MHz) electromagnetic wave and send to the SD card slot of mobile phone by metal wire, intelligence SD storage card (CPU IC) is by being connected with mobile phone SD card slot standard P IN pin, its inner intelligent chip will receive this group electromagnetic wave of fixed frequency (13.56MHz), thereby finish whole transmission course.
Technical scheme 3: a kind of mobile phone that has antenna and post the intelligent memory card realization contactless payment of film, film wherein comprises: antenna assembly and interface (as Fig. 4).The transport stream signal journey of the technical program is as shown in Figure 8: the intelligent SD storage card (CPU IC) that will post film inserts in the SD card slot of mobile phone, and film antenna is hidden in (between cell panel and the phone housing) in the mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to the intelligent SD storage card (CPU IC) that has film, be embedded in that feeder means in the film receives the electromagnetic wave of fixed frequency (13.56MHz) and by metal wire and interface (interface that links to each other with intelligent SD memory card standards PIN pin), this group electromagnetic wave is sent to the inside chip of intelligent SD storage card (CPU IC), thereby finishes whole transmission course.
But described intelligent memory card physical characteristics and application referenced patent application number are the content in 2007100363081 patent documents.
The present invention will realize a kind of convenient, safe and reliable mobile payment mode by above technical scheme.
Description of drawings
Fig. 1 is a mobile phone schematic perspective view (1) in the embodiment of the invention.
Fig. 2 is a mobile phone schematic perspective view (2) in the embodiment of the invention.
Fig. 3 is the structured flowchart (scheme 1) of special antenna in the embodiment of the invention.
Fig. 4 is the structured flowchart (scheme 3) of film in the embodiment of the invention.
Fig. 5 is that film sticks intelligent SD storage card synoptic diagram in the embodiment of the invention.
Fig. 6 is the transport stream signal journey figure (scheme 1) of special antenna in the embodiment of the invention.
Fig. 7 is the transport stream signal journey figure (scheme 2) of special antenna in the embodiment of the invention.
Fig. 8 is the transport stream signal journey figure (scheme 3) of special antenna in the embodiment of the invention.
Fig. 9 is the as seen operational flowchart (scheme 1) of the embodiment of the invention.
Figure 10 is the as seen operational flowchart (scheme 2) of the embodiment of the invention.
Figure 11 is the as seen operational flowchart (scheme 3) of the embodiment of the invention.
Describe embodiment and function of the present invention, operating mechanism etc. in detail below with reference to accompanying drawing, by concrete enforcement will understand that clearer.
Embodiment
Consult Fig. 1, the special antenna 2 among the present invention, this special antenna 2 can be a sheet metal, and special antenna 2 is arranged on the PCB (cell phone mainboard) 1, and this special antenna 2 comprises: metal level 5, metal wire 6, earthing device 7 and feeder means 8.
Conclude above-mentionedly, wherein this metal wire 6, earthing device 7, feeder means 8 are an electrically conducting loop, and earthing device 7 is connected with the zero potential of PCB (cell phone mainboard) 1, and it mainly acts on is to provide ground voltage to the special antenna 2 of mobile phone.Feeder means 8 links to each other by metal wire 6 fixed frequency (13.56MHz) electromagnetic wave that receives with special PIN pin (the PIN pin that installs additional as required) 4 in the mobile phone microSD card slot 3 in the mobile phone SD card slot, electromagnetic wave signal is transferred to intelligent SD storage card (CPU IC).And the design by sheet metal can make the entire length of special antenna 2 be dwindled, thereby reach special antenna 2 is contained in the finite space of original mobile phone, has kept light, thin, short, the little characteristic of mobile phone.
Consult Fig. 2, special antenna 12 among the present invention, this special antenna 12 can be a sheet metal, and special antenna 12 and microwave modem chip 18 are embedded on the PCB (cell phone mainboard) 11, and this special antenna 12 comprises: metal level 15, metal wire 16, earthing device 17.
Conclude above-mentioned, wherein this metal wire 16, earthing device 17, microwave modem chip 18 are an electrically conducting loop, earthing device 17 is connected with the zero potential of PCB (cell phone mainboard) 11, and it mainly acts on is to provide ground voltage to the special antenna 2 of mobile phone.Microwave modem chip 18 is connected with the related circuit of PCB (cell phone mainboard) 11.It mainly acts on is that fixed frequency (13.56MHz) electromagnetic wave that will receive links to each other by the PIN pin 14 that the PCB (cell phone mainboard) 11 that is connected passes through standard in the mobile phone microSD card slot 13, and electromagnetic wave signal is transferred to intelligent SD storage card (CPU IC).And the design by sheet metal can make the entire length of special antenna 12 be dwindled, thereby reach special antenna 12 and microwave modem chip 18 is contained in the finite space of original mobile phone, has kept light, thin, short, the little characteristic of mobile phone.
Fig. 3 is the structured flowchart (scheme 1) of special antenna in the embodiment of the invention.Its basic comprising comprises: metal wire 1, metal level 2, earthing device 3 and feeder means 4.
Metal wire 1: can use the metallic conductor of Copper Foil, plating or printing etc.It mainly acts on is the transmission electromagnetic wave.
Metal level 2: be the carrier of the described metal wire part of carrying, described carrier can be FPC (flexible printed circuit board), PCB (printed circuit board (PCB)) etc.It mainly acts on is to receive or send wireless signal.
Earthing device 3: be connected with the ground plane of mobile phone P.e.c., it mainly acts on is to provide ground voltage to the special antenna of mobile phone.
Feeder means 4: be connected with mobile phone SD intelligent memory card slot, it mainly acts on is that 13.56MHz electromagnetic wave with receiving sends in the intelligent memory card inside chip by mobile phone SD intelligent memory card slot.
Other connection and additional device are explained no longer one by one because persons skilled in the art can be understood referring to accompanying drawing.
Fig. 4 is the structured flowchart of film in the embodiment of the invention.Its basic structure comprises: antenna assembly 35, interface 34.Antenna assembly 35 wherein comprises: metal wire 32 and feeder means 33.
Metal wire 32: main effect be with electromagnetic transmission to interface that two standard P IN pin of intelligent SD storage card (CPU IC) are connected on.
Feeder means 33: main effect is to receive the 13.56MHz electromagnetic wave.
Interface 34: be connected with two standard P IN pin of intelligent SD storage card (CPU IC), it mainly acts on is by connecting two standard P IN pin electromagnetic wave to be sent in the intelligent memory card inside chip.
Its maximum characteristics of this structure Design are not change under the situation of mobile phone original structure finishes contactless mobile payment function.
Fig. 5 is that film sticks intelligent SD storage card synoptic diagram in the embodiment of the invention.It comprises: intelligent SD storage card (CPU IC) 41, the standard P IN pin 42, the film 43 that are connected with the film interface.
According to shown in Figure 5, film 43 is sticked on the intelligent SD storage card (CPU IC) 41, two interfaces on the film are connected with two standard P IN pin 42 on the intelligent SD storage card (CPU IC) 41, thereby realize electromagnetic transmission.
Fig. 6 is the transport stream signal journey figure (scheme 1) about special antenna among the present invention.
Signal system for transmitting according to special antenna among the present invention shown in Figure 6 comprises: have special antenna mobile phone, CPU IC (intelligent SD storage card meets ISO/IEC7618 and ISO/IEC14443 standard), have the read write line of non-contact function.
Intelligent SD storage card (CPU IC) is inserted in the SD card slot of mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone, there is a feeder means will receive the electromagnetic wave of fixed frequency (13.56MHz) in the special antenna in the mobile phone and sends to the SD card slot of mobile phone by metal wire, intelligence SD storage card (CPU IC) is by being connected with special PIN pin (the PIN pin that installs additional in the mobile phone SD card slot as required) in the mobile phone SD card slot, its inner intelligent chip will receive this group electromagnetic wave of fixed frequency (13.56MHz), thereby finish whole transmission course.
Those skilled in the art should be able to understand at an easy rate, the innovative point of the signal transfer mode of describing among the present invention mainly is to have special antenna and CPU IC (intelligent SD storage card in the read write line, mobile phone of non-contact function, meet ISO/IEC7618 and ISO/IEC14443 standard) between communication, whole communication process has all been used the mode that hardware level encrypts and has been transmitted, and makes the communication process safer, reliable, convenient.
Fig. 7 is the transport stream signal journey figure (scheme 2) about special antenna among the present invention.
Signal system for transmitting according to special antenna among the present invention shown in Figure 7 comprises: have special antenna mobile phone, CPU IC (intelligent SD storage card meets ISO/IEC7618 and ISO/IEC14443 standard), have read write line and a microwave modem chip of non-contact function.
Intelligent SD storage card (CPU IC) is inserted in the SD card slot of mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone, be embedded in microwave modem chip on the cell phone mainboard will dam fixed frequency (13.56MHz) electromagnetic wave and send to the SD card slot of mobile phone by metal wire, intelligence SD storage card (CPU IC) is by being connected with mobile phone SD card slot standard P IN pin, its inner intelligent chip will receive this group electromagnetic wave of fixed frequency (13.56MHz), thereby finish whole transmission course.
Those skilled in the art should be able to understand at an easy rate, the innovative point of the signal transfer mode of describing among the present invention mainly is to have special antenna and CPU IC (intelligent SD storage card in the read write line, mobile phone of non-contact function, meet ISO/IEC7618 and ISO/IEC14443 standard) and be embedded in communication between the microwave modem chip on the cell phone mainboard, whole communication process has all been used the mode that hardware level encrypts and has been transmitted, and makes the communication process safer, reliable, convenient.
Fig. 8 is the transport stream signal journey figure (scheme 3) about special antenna among the present invention.
Signal system for transmitting according to special antenna among the present invention shown in Figure 8 comprises: mobile phone, film, CPU IC (intelligent SD storage card meets ISO/IEC7618 and ISO/IEC14443 standard) and the read write line that has non-contact function.
The intelligent SD storage card (CPU IC) that posts film is inserted in the SD card slot of mobile phone, and film antenna is hidden in (between cell panel and the phone housing) in the mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to the intelligent SD storage card (CPU IC) that has film, be embedded in that feeder means in the film receives the electromagnetic wave of fixed frequency (13.56MHz) and by metal wire and interface (interface that links to each other with intelligent SD memory card standards PIN pin), this group electromagnetic wave is sent to the inside chip of intelligent SD storage card (CPU IC), thereby finishes whole transmission course.
Those skilled in the art should be able to understand at an easy rate, the innovative point of the signal transfer mode of describing among the present invention mainly is to have read write line, film and CPU IC (the intelligent SD storage card of non-contact function, meet ISO/IEC7618 and ISO/IEC14443 standard) between communication, whole communication process has all been used the mode that hardware level encrypts and has been transmitted, and makes the communication process safer, reliable, convenient.
Have the embodiment that the mobile phone of special antenna, intelligent SD storage card (CPU IC), the read write line that has non-contact function and POS equipment carry out mobile payment as on-the-spot use the shown in Figure 9, its detailed process is as follows.
1, intelligent SD storage card (CPU IC) insertion is had in the SD card slot of special antenna mobile phone.
2, with mobile phone near (2～3cm) have the read write line of non-contact function.
3, read write line sends the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone.
4, there is a feeder means will receive the electromagnetic wave of fixed frequency (13.56MHz) in the special antenna in the mobile phone.
5, by feeder means and metal wire the mobile phone SD card slot is arrived in the electromagnetic transmission of fixed frequency (13.56MHz).
6,, thereby the electromagnetic wave of fixed frequency (13.56MHz) is sent to the inside chip of intelligent SD storage card (CPU IC) owing to inner two the special PIN pin (the PIN pin that installs additional as required) of mobile phone SD card slot and intelligent SD storage card (CPU IC) link to each other in the mobile phone SD card slot.
7, the inside chip of intelligent SD storage card (CPU IC) converts the electromagnetic wave of fixed frequency (13.56MHz) to digital signal, and is undertaken sending to the read write line that has non-contact function after hardware level is encrypted by inside chip.
8, the read write line that has a non-contact function sends to POS equipment with information encrypted.
9, POS equipment is followed set rule and is read information, and simultaneously inner PSAM card is encrypted the information that reads, and the background server that the is sent to bank card/bank card tissue operation of concluding the business.
Have the mobile phone of special antenna, intelligent SD storage card (CPU IC), the read write line that has non-contact function, POS equipment and be embedded in the embodiment that the microwave modem chip on the cell phone mainboard carries out mobile payment as on-the-spot use the shown in Figure 10, its detailed process is as follows.
1, intelligent SD storage card (CPU IC) insertion is had in the SD card slot of special antenna mobile phone.
2, with mobile phone near (2～3cm) have the read write line of non-contact function.
3, read write line sends the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone.
4, the microwave modem chip that is embedded on the cell phone mainboard dams to the electromagnetic wave of fixed frequency (13.56MHz).
5, by the metal wire on the special antenna mobile phone SD card slot is arrived in the electromagnetic transmission of fixed frequency (13.56MHz).
6,, thereby the electromagnetic wave of fixed frequency (13.56MHz) is sent to the inside chip of intelligent SD storage card (CPUIC) owing to two inner standard P IN pin of mobile phone SD card slot and intelligent SD storage card (CPU IC) link to each other.
7, the inside chip of intelligent SD storage card (CPU IC) sends signal to the read write line that has non-contact function by standard contact ISO7816 APDU bidding protocol.
8, the information after the read write line that has a non-contact function will be encrypted sends to POS equipment.
9, POS equipment is followed set rule and is read information, and simultaneously inner PSAM card is encrypted the information that reads, and the background server that the is sent to bank card/bank card tissue operation of concluding the business.
Use mobile phone, post the embodiment that the intelligent SD storage card (CPU IC) of film, the read write line that has non-contact function and POS equipment carry out mobile payment as scene shown in Figure 11, its detailed process is as follows.
1, the intelligent SD storage card (CPU IC) that will post film inserts in the SD card slot of mobile phone, and film antenna is hidden in (between cell panel and the phone housing) in the mobile phone.
2, with mobile phone near (2～3cm) have the read write line of non-contact function.
3, read write line sends the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone.
4, there is a feeder means will receive the electromagnetic wave of fixed frequency (13.56MHz) in the film.
5, by metal wire and interface (interface that links to each other with intelligent SD memory card standards PIN pin) electromagnetic transmission of fixed frequency (13.56MHz) is arrived the inside chip of intelligent SD storage card (CPU IC).
6, the inside chip of intelligent SD storage card (CPU IC) converts the electromagnetic wave of fixed frequency (13.56MHz) to digital signal, and is undertaken sending to the read write line that has non-contact function after hardware level is encrypted by inside chip.
7, the read write line that has a non-contact function sends to POS equipment with information encrypted.
8, POS equipment is followed set rule and is read information, and simultaneously inner PSAM card is encrypted the information that reads, and the background server that the is sent to bank card/bank card tissue operation of concluding the business.
Described POS can visit the embedded CPU IC of intelligent memory card by the mode of normative document read-write, thereby finishes sequence number that reads CPU IC and the operations such as magnetic track information that write encryption.The concrete mode of described file read-write can be consulted the content among the number of patent application 200710044269.X.
The above; only for the preferable embodiment of the present invention, when protection scope of the present invention is not limited thereto, anyly be familiar with those skilled in the art in the technical scope that the present invention discloses; can expect easily changing or replacing, all should be encompassed within protection scope of the present invention.Therefore, the scope of breaking even of the present invention should be as the criterion with the protection domain of claim.
Claims (8)
1, a kind of method of depositing SD card storage and mobile phone realization contactless payment based on intelligence.Realize that technical scheme of the present invention has 3 kinds, technical scheme 1: a kind of mobile phone that has special antenna and CPU IC realization contactless payment, wherein special antenna comprises: sheet metal, metal level, metal wire, earthing device and feeder means.Technical scheme 2: a kind of mobile phone that has special antenna, microwave modulator-demodular unit and CPU IC (intelligent SD storage card) realization contactless payment, special antenna wherein comprises: metal level, metal wire and earthing device.Special antenna and microwave modulator-demodular unit are embedded on the PCB (cell phone mainboard).Technical scheme 3: a kind of mobile phone that has antenna and post the intelligent memory card realization contactless payment of film, film wherein comprises: antenna assembly and interface.
2, a kind of mobile phone of realizing non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card) according to claim 1, it is characterized in that: special antenna wherein comprises: sheet metal, metal level, metal wire, earthing device and feeder means, and can receive the electromagnetic wave of fixed frequency (13.56MHz).
3, a kind of mobile phone of realizing non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card) according to claim 1 is characterized in that: be embedded in special antenna and microwave modulator-demodular unit on the PCB (cell phone mainboard).Special antenna wherein comprises: metal level, metal wire and earthing device.
4, a kind of mobile phone of realizing non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card) according to claim 1, it is characterized in that: be attached to the film on the CPU IC (intelligent SD storage card), film wherein comprises: antenna assembly and interface.Antenna assembly will be hidden between the cell panel and phone housing of mobile phone.
5, according to claim 4ly a kind ofly realize the mobile phone of non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card), it is characterized in that: antenna assembly wherein comprises: metal wire and feeder means.Interface is to be connected with two standard P IN pin of intelligent SD storage card (CPU IC), and it mainly acts on is by connecting two standard P IN pin electromagnetic wave to be sent in the intelligent memory card inside chip.
6, a kind of mobile phone of realizing non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card) according to claim 1 and 2, it is characterized in that: described mobile phone is by inserting intelligent SD storage card (CPUIC), near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone, there is a feeder means will receive the electromagnetic wave of fixed frequency (13.56MHz) in the special antenna in the mobile phone and sends to the SD card slot of mobile phone by metal wire, intelligence SD storage card (CPUIC) is by being connected with special PIN pin (the PIN pin that installs additional in the mobile phone SD card slot as required) in the mobile phone SD card slot, its inner intelligent chip will receive this group electromagnetic wave of fixed frequency (13.56MHz), the inside chip of intelligence SD storage card (CPU IC) converts the electromagnetic wave of fixed frequency (13.56MHz) to digital signal, and undertaken sending to the read write line that has non-contact function after hardware level is encrypted by inside chip, the read write line that has non-contact function sends to POS equipment with information encrypted, POS equipment is followed set rule and is read information, simultaneously inner PSAM card is encrypted the information that reads, and the background server that the is sent to bank card/bank card tissue operation of concluding the business.
7, according to claim 1 or 3 described a kind of mobile phones of realizing non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card), it is characterized in that: described mobile phone is by inserting intelligent SD storage card (CPUIC), near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to mobile phone, be embedded in microwave modem chip on the PCB (cell phone mainboard) will dam fixed frequency (13.56MHz) electromagnetic wave and send to the SD card slot of mobile phone by metal wire, intelligence SD storage card (CPUIC) is by being connected with mobile phone SD card slot standard P IN pin, its inner intelligent chip will receive this group electromagnetic wave of fixed frequency (13.56MHz), the inside chip of intelligence SD storage card (CPU IC) converts the electromagnetic wave of fixed frequency (13.56MHz) to digital signal, and undertaken sending to the read write line that has non-contact function after hardware level is encrypted by inside chip, the read write line that has non-contact function sends to POS equipment with information encrypted, POS equipment is followed set rule and is read information, simultaneously inner PSAM card is encrypted the information that reads, and the background server that the is sent to bank card/bank card tissue operation of concluding the business.
8, according to claim 1 or 4 or 5 described a kind of mobile phones of realizing non-contact mobile payment based on special antenna and CPU IC (intelligent SD storage card), it is characterized in that: mobile phone posts the intelligent SD storage card (CPU IC) of film by insertion, and film antenna is hidden in (between cell panel and the phone housing) in the mobile phone, near (2～3cm) have the read write line of non-contact function, this moment, read write line sent the electromagnetic wave of one group of fixed frequency (13.56MHz) to the intelligent SD storage card (CPU IC) that has film, be embedded in that feeder means in the film receives the electromagnetic wave of fixed frequency (13.56MHz) and by metal wire and interface (interface that links to each other with intelligent SD memory card standards PIN pin), this group electromagnetic wave is sent to the inside chip of intelligent SD storage card (CPU IC), the inside chip of intelligence SD storage card (CPUIC) converts the electromagnetic wave of fixed frequency (13.56MHz) to digital signal, and undertaken sending to the read write line that has non-contact function after hardware level is encrypted by inside chip, the read write line that has non-contact function sends to POS equipment with information encrypted, POS equipment is followed set rule and is read information, simultaneously inner PSAM card is encrypted the information that reads, and the background server that the is sent to bank card/bank card tissue operation of concluding the business.
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| CN2007100940680A CN101383018B (en) | 2007-09-04 | 2007-09-04 | Method for implementing non-contact payment based on intelligent storage card and mobile phone |
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| CN101789152A (en) * | 2010-02-11 | 2010-07-28 | 黄志军 | Multipurpose contactless card supporting large amount payment and online recharge and application method thereof |
| CN101820461A (en) * | 2010-03-30 | 2010-09-01 | 青岛海信移动通信技术股份有限公司 | Mobile phone with RFID antenna |
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| CN102289711A (en) * | 2010-06-18 | 2011-12-21 | 黄金富 | SD (Secure Digital) memory card for mobile phone payment and with function of contactless smart card |
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| CN103295344A (en) * | 2012-02-22 | 2013-09-11 | 普天信息技术研究院有限公司 | Memory card, terminal and transaction system |
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| CN1555179A (en) * | 2003-12-26 | 2004-12-15 | 邵军利 | Cell phone payment system |
| CN100383819C (en) * | 2004-11-12 | 2008-04-23 | 厦门盛华电子科技有限公司 | Mobile telephone smart card with radio-frequency communication function and peripheral processing device |
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| CN102385713B (en) * | 2010-09-01 | 2016-01-06 | 深圳富泰宏精密工业有限公司 | Chip bank card and use its mobile phone |
| CN103295344A (en) * | 2012-02-22 | 2013-09-11 | 普天信息技术研究院有限公司 | Memory card, terminal and transaction system |
| CN102833947A (en) * | 2012-08-14 | 2012-12-19 | 惠州Tcl移动通信有限公司 | Mobile communication terminal, embedded PCB (printed circuit board) structure and processing method of embedded PCB structure |
| CN105335849A (en) * | 2015-11-03 | 2016-02-17 | 上海易码信息科技有限公司 | Mobile payment apparatus |
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