CN101937591B - Financial film smart card - Google Patents
Financial film smart card Download PDFInfo
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- CN101937591B CN101937591B CN 201010258289 CN201010258289A CN101937591B CN 101937591 B CN101937591 B CN 101937591B CN 201010258289 CN201010258289 CN 201010258289 CN 201010258289 A CN201010258289 A CN 201010258289A CN 101937591 B CN101937591 B CN 101937591B
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Abstract
The invention discloses a financial film smart card. The financial film smart card comprises a mobile communication card and a financial card, wherein the financial card is stuck to the mobile communication card by a film; the financial card serving as a main control chip of the financial film smart card is used for processing a financial command sent by a non-contact type POS terminal or contact type external equipment so as to realize a financial transaction function; simultaneously, the financial card transmits a communication command sent by the contact type external equipment to the mobile communication card and returns the communication command processed by the mobile communication card to the financial card for convergence processing or directly returns the communication command to the contact type external equipment so as to realize the convergence of financial information or the function of mobile communication. Due to the financial film smart card of the invention, the issue of financial mobile payment cards can be fully independent of communication operators, wherein the technical architecture core fully adopts the system of the original financial cards; and the financial film smart card purposefully expands the STK operation so as to ensure that a user can conveniently access related account information in the financial card and perform related operation such as enquiry or account transferring through interactive operation with a mobile phone.
Description
Technical field
The present invention relates to intelligent CPU card field, particularly a kind of financial pad pasting smart card is applied to the mobile payment field.
Background technology
Mobile payment is a complicated industrial chain that relates to a plurality of interests sides such as common carrier, bank finance mechanism, third party's payment platform; These interests sides are in actual operation process; All hope to be in leading relatively status, to obtain bigger distribution of interests.
Mobile payment based on single sheet smart card; Must need a plurality of shareholders' compromise cooperation, because some the policy barriers between domestic industry, actual cooperation talks often is difficult to satisfy the interests demand of relevant partner; Cause progress slow, mobile industry development is slow relatively.
China Mobile has started its mobile payment pilot based on the 2.4G technology in 2009, further greatly developed remote payment in 2010.
The bank finance industry also has very urgent growth requirement for mobile payment, and in May, 2010, Unionpay united the common mobile payment industry alliance that sets up such as 18 tame commercial banks, CHINAUNICOM and China Telecom, mobile-phone manufacturers etc.
In to move the huge mobile payment market outlook of bringing along with the 3G technology development with this " going alone " trend of Unionpay more and more clear, and in this game, both sides are each tool advantage obviously.
Thus, the loose coupling that preferably can provide a kind of technology can realize each interests side makes that relevant benefit can be with stand-alone development separately.
Summary of the invention:
Financial pad pasting smart card of the present invention is combined on the other sheet smart card through the pad pasting smart card, utilizes the control technology in the pad pasting card to realize the chip of two difference in functionalitys is incorporated into together, makes the user feel using a complete card.
The present invention has realized the financial business later stage is incorporated into the finished product communication intelligent card from the angle of financial smart card as the pad pasting card, realizes independent hair fastener thereby make bank finance mechanism can be independent of common carrier.
To above-mentioned problem, the present invention proposes a kind of simple fusion and move the scheme with financial business: the operating system to fiscard is made amendment, and changes its control method; Outward appearance is transformed, and is attached on the mobile communication card with the form of pad pasting.
Among the present invention the fiscard outward appearance is transformed as follows: the form that fiscard is packaged into film; The contact identical with common CP U arranged on the film; Contact position, size design according to the standard of CPU card fully, at the reverse side of film the powerful conducting resinl of one deck are arranged, and directly are attached to this film on the mobile communication card; Form an integral body, be used as a CPU card and use.
Financial pad pasting smart card of the present invention; Comprise mobile communication card and fiscard; Said fiscard sticks on this mobile communication card through pad pasting; This fiscard is as the main control chip of financial pad pasting smart card, is used to handle the finance instruction that contactless POS terminal or contact peripheral hardware send, and realizes finance trade function; Simultaneously, this fiscard is passed to mobile communication card with the communication instruction that the contact peripheral hardware sends, and after mobile communication card is handled, turns back to said fiscard and carries out fusion treatment or directly return to the contact peripheral hardware, realizes the fusion of Financial Information or the function of mobile communication.
When the pad pasting fiscard was received 7816 instructions of importing into, this instruction of card operation system analysis was mobile communication instruction or financial application instruction, if the financial application instruction is then handled voluntarily, and the result is returned to the external world; If the communications applications instruction, card operation system then will be ordered through connecting terminal and passed through by the communication intelligent card of pad pasting, wait for the return results of communication intelligent card then, again this result returned to the external world.
Pad pasting fiscard card is as a financial smart card; Except realizing financial application, also can operate by extension realization STK, like account query; Control through the pad pasting card operation system; With the STK menu of finance operation with realized dynamically integrating by the communication intelligence card STK menu of pad pasting, the user both can have been had no change ground use before the STK value-added service that provides of communication intelligent card, also can be by the line correlation operation of going forward side by side of the accounts information in the STK menu access financial smart card.
Beneficial effect of the present invention has:
In the mobile payment intelligent card scheme of implementing at present; All need bank and other financial mechanism and telecom operators to carry out hand-in-glove; The architectural framework of card operation system changes greatly, and the corresponding techniques risk is also bigger, and more crucial is; Because the contention conflict of industrial chain distribution of interests power; Cause also having big difficulty before this cooperative target, the invention enables the hair fastener of financial mobile payment card can be totally independent of common carrier and carry out, the Technical Architecture core is used the system of original fiscard fully;
Finance pad pasting smart card operating system has carried out STK operation expansion pointedly, lets the user pass through just can visit related account information in the fiscard easily with the interactive operation of mobile phone, and the line correlation of going forward side by side operation like inquiry, is transferred accounts.
Description of drawings
Fig. 1 pad pasting financial smart card schematic appearance
Fig. 2 pad pasting fiscard and communication intelligent card connect to form principle
Fig. 3 handles the software flow of mobile communication or financial function through the contact interface
Embodiment
Below in conjunction with accompanying drawing and specific embodiment, the present invention is explained further details.
As shown in Figure 1; Financial pad pasting smart card of the present invention comprises fiscard and mobile communication card; Said fiscard C1 exists with the form of pad pasting; It is used to the demonstration of accomplishing the external input and output of data, completion noncontact financial transaction, accomplishing Financial Information as the main control chip of financial pad pasting smart card C of the present invention; Said mobile communication card C2 is as the companion chip of financial pad pasting smart card C; Be used to accomplish mobile communication function; The communication instruction that fiscard sends the contact peripheral hardware is passed to mobile communication card C2, after mobile communication card is handled, turns back to said fiscard and carries out fusion treatment or directly return to the contact peripheral hardware.Mobile communication card is a common communication card, need not make any modification.The fiscard C1 of pad pasting form is pasted on the mobile communication card C2, can form financial pad pasting smart card of the present invention.
As shown in Figure 2, said fiscard C1 partly is common two interfaces payment chip, can select to comprise the Mifare function, can the compatible existing contactless application of most widely used 13.56MHz.Fiscard C1 comprises two kinds of external basic interfaces; A kind of is contact interface (being the IO1 among Fig. 2), meets ISO 7186-3 agreement, and another kind is the non-contact type wireless interface (being the TATB among Fig. 2) of 13.56MHz; Requirement meets the ISO radio frequency standard, i.e. ISO 14443A, ISO 15693 etc.; Said fiscard C1 also comprises a kind of internal contact interface (being the IO2 among Fig. 2), meets ISO 7186-3 agreement.
Fiscard chip C1 carries out radio communication through interface TATB and contactless POS C4, and instruction is accomplished in chip C1 and handled, and result also directly returns to contactless POS C4 by interface TATB.
As shown in Figure 2, said fiscard C1 comprises communication module M1, financial business processing module M2, STK processing module M3.Said communication module M1 is used for communicating with contact read-write equipment C3 (like mobile phone), contactless POS C4 and mobile communication card C2; Said financial business processing module M2 is used to handle the financial transaction instruction of coming through contact or contactless outer equipment biography; STK processing module M3 is used to merge the STK menu of finance and mobile communication, thereby realizes the demonstration of Financial Information.
As shown in Figure 3, described communication module M1 comprises contactless communication module MM1 and contact communication module MM2.Noncontact POS C4 passes to contactless communication module MM1 through the ISO14443 interface with instruction; After the processing of the instruction that contactless communication module MM1 receives through financial business processing module M2, result returns to noncontact POS C4 through the ISO14443 interface.
Contact read-write equipment C3 (like mobile phone) passes to contact communication module MM2 through the interface IO1 that meets the ISO7816 agreement with contact command; Contact communication module MM2 passes to mobile communication card C2 with the contact command that receives through the interface IO2 that meets the ISO7816 agreement; Through after the processing of C2; Through IO2 the result is returned to contact communication module MM2 again, be input to STK processing module M3 again and handle, the new data that comprises Financial Information and communication card information after obtaining merging; Through interface IO1 the result is returned to contact read-write equipment C3 (like mobile phone) by contact communication module MM2 more at last, accomplish the processing of whole communication instruction.
As shown in Figure 2, said mobile communication card C2 can select any common communication card, has single contact interface (like the IO3 among Fig. 2), meets ISO 7186-3 agreement and gets final product.
As shown in Figure 2, said mobile communication card C2 comprises communication module M4 and communication service processing module M5.Said communication module M4 is used for communicating with fiscard C1; Communication service processing module M5 is used to handle fiscard C1 and passes the communication instruction of coming.
Finance pad pasting smart card C is connected with contact read-write equipment C3 (like mobile phone) through the interface IO1 of master control finance chip C1, and carries out data transmission through the IO3 interface of interface IO2 and mobile communication card chip C2.Like Fig. 2; When contact read-write equipment C3 (like mobile phone) sends contact when instructing to financial pad pasting smart card C; Master control fiscard chip C1 will give mobile communication card chip C2 through the IO2 transparent forwarding from all contact instructions that IO1 receives; The IO3 of chip C2 receives above-mentioned instruction, is handled by said communication module M4, and result is sent to chip C1 from IO3 through IO2 again; IO1 from chip C1 returns to outside contact read-write equipment C3 (like mobile phone) then, thereby makes mobile communication card chip C2 accomplish the work under the contact environment;
Contact read-write equipment C3 (like mobile phone) passes to contact communication module MM2 through the interface IO1 that meets the ISO7816 agreement with contact command; Contact communication module MM2 passes to communication module M4 with the contact command that receives through the interface IO2 that meets the ISO7816 agreement; The instruction that said communication module M4 will receive is through the processing of communication service processing module M5; Through IO2 the result is returned to contact communication module MM2 again; The result of output this moment need pass through STK processing module M3 and handle; The new data that comprises Financial Information and communication card information after obtaining merging returns to contact read-write equipment (like mobile phone) C3 through interface IO1 with the result by contact communication module MM2 at last again, accomplishes whole communication instruction.
Said STK processing module M3 is used for the combination of multi-service STK menu dynamic; Financial smart card is with the transparent mobile communication card of passing to of order data, and the menu that mobile communication card presets inside is assembled into the STK menu format and returns to financial smart card, after financial smart card is received data; The financial menu that self is built-in with the format combination of STK in the data of front; Form complete STK menu data, return to the terminal, accomplish the dynamic integration of the STK menu in fiscard and the mobile communication card.Wherein, the said communication instruction that turns back to said fiscard comprises STK instruction and mobile communication instruction, and said STK processing module M3 is used for the STK menu of STK instruction with mobile communication card merged,
Detailed process is: the data based mobile communication STK menu standard that STK processing module M3 will receive is analyzed, and distinguishes the corresponding data type, and does following processing:
If data type is the one-level menu, join the Apply Names among the fiscard C1 in the one-level menu this moment, generates the new STK data after merging.The concrete position that adds can confirm as required, as is positioned at first of menu item or last or middle entry.
If data type is financial submenu, this moment, Previous Menu also was financial business, need obtain Financial Information through said financial business processing module M2, regenerated new STK data, and the legacy data of receiving abandons.
If the professional submenu of data type communications then need not done any processing, legacy data remains unchanged.
Said STK processing module M3 extension realization the STK menu operation; The menu instructions or other instructions that can automatic distinguishing be shown to the user; If menu instructions; Can also distinguish financial menu of demonstration or mobile communication menu, still two menu dynamic merged, reach the purpose that finance and mobile communication are united two into one.Owing in fiscard C1, increased menu fusion treatment module, promptly extension realization STK, can also further expand and realize the OTA function, make fiscard C1 realize the traditional financial transaction through aerial mode by the mobile phone wireless communication function.
Claims (8)
1. financial pad pasting smart card; Comprise mobile communication card and fiscard; Said fiscard sticks on this mobile communication card through pad pasting; This fiscard is as the main control chip of financial pad pasting smart card, is used to handle the finance instruction that contactless POS terminal or contact peripheral hardware send, and realizes finance trade function; Simultaneously, this fiscard is passed to mobile communication card with the communication instruction that the contact peripheral hardware sends, and after mobile communication card is handled, turns back to said fiscard and carries out fusion treatment or directly return to the contact peripheral hardware, realizes the fusion of Financial Information or the function of mobile communication.
2. a kind of financial pad pasting smart card according to claim 1 is characterized in that said fiscard comprises:
Fiscard communication module M1; Be used for communicating with contactless POS terminal and contact peripheral hardware; Receive finance instruction or communication instruction that the contact peripheral hardware sends; Perhaps receive the finance instruction of sending at contactless POS terminal, and the instruction after will handling returns to outside the contact if contactless POS terminal;
Financial business processing module M2 if the finance instruction that send at contactless POS terminal is handled, accomplishes financial transaction outside the said contact that is used for said communication module M1 is received;
STK processing module M3, the said communication instruction that turns back to said fiscard comprise STK instruction and mobile communication instruction, and said STK processing module M3 is used for the STK menu of STK instruction with mobile communication card merged, and realizes the fusion treatment of said fiscard.
3. a kind of financial pad pasting smart card according to claim 2; It is characterized in that; Described fusion detailed process is: at first, said STK processing module M3 analyzes the said STK instruction of returning according to mobile communication STK menu standard, confirms its data type; Take different amalgamation modes according to the data type difference again, be specially:
If data type is the one-level menu, then the financial application title in the fiscard is joined in the one-level menu, generate new STK menu data; If data type is financial submenu, then obtain Financial Information through said financial business processing module M2, regenerate new STK menu data, the legacy data of receiving abandons; If data type is the communication service submenu, then be left intact, legacy data remains unchanged.
4. a kind of financial pad pasting smart card according to claim 3; It is characterized in that; The detailed process of the STK menu data that said generation is new is: the menu that mobile communication card presets inside is assembled into the STK menu format and returns to fiscard; After fiscard was received data, the financial menu that self is built-in in these data, formed complete STK menu data with the format combination of STK.
5. according to the described a kind of financial pad pasting smart card of one of claim 2-4; It is characterized in that; Described communication module M1 comprises contactless communication module MM1 and contact communication module MM2, is respectively applied for contactless POS terminal and contact peripheral hardware to communicate.
6. according to the described a kind of financial pad pasting smart card of one of claim 1-4; It is characterized in that; Said mobile communication card comprises mobile communication module and communication service processing module; Said mobile communication module is used for communicating with fiscard, and said communication service processing module is used to handle fiscard and passes the communication instruction of coming.
7. according to the described a kind of financial pad pasting smart card of one of claim 1-4; It is characterized in that; Fiscard has contact interface and non-contact type wireless interface; Be respectively applied for and realize communicating by letter with the contact of contact peripheral hardware and mobile communication card, and the contactless communication at realization and contactless POS terminal.
8. a kind of financial pad pasting smart card according to claim 7 is characterized in that described contact interface meets ISO 7186-3 agreement, and described non-contact type wireless interface frequency is 13.56MHz.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201010258289 CN101937591B (en) | 2010-08-20 | 2010-08-20 | Financial film smart card |
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| Application Number | Priority Date | Filing Date | Title |
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| CN 201010258289 CN101937591B (en) | 2010-08-20 | 2010-08-20 | Financial film smart card |
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| CN101937591A CN101937591A (en) | 2011-01-05 |
| CN101937591B true CN101937591B (en) | 2012-03-28 |
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| CN 201010258289 Active CN101937591B (en) | 2010-08-20 | 2010-08-20 | Financial film smart card |
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Families Citing this family (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102682535A (en) * | 2011-03-16 | 2012-09-19 | 国民技术股份有限公司 | Mobile payment method, device and system |
| CN103186362B (en) * | 2011-12-31 | 2017-02-15 | 国民技术股份有限公司 | Resource competition method and system of various instructions in mobile intelligent card |
| CN103186497B (en) * | 2011-12-31 | 2017-02-08 | 国民技术股份有限公司 | Parallel communication control system and method |
| CN103198399A (en) * | 2012-01-04 | 2013-07-10 | 国民技术股份有限公司 | Share-based mobile payment management unit, terminal and service method |
| CN105278943A (en) * | 2014-07-24 | 2016-01-27 | 中国银联股份有限公司 | Deposit method, smart card and remote system |
| CN105270672B (en) * | 2014-07-24 | 2019-04-16 | 小米科技有限责任公司 | Automate control method, device and the automation film sticking equipment of pad pasting |
| CN106339750A (en) * | 2016-11-15 | 2017-01-18 | 上海浦江智能卡系统有限公司 | Gold finger assembly and smart card |
| CN111950684A (en) * | 2020-08-07 | 2020-11-17 | 上海方付通商务服务有限公司 | Thin film smart card and starting method and communication method based on thin film smart card |
Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101154281A (en) * | 2006-09-30 | 2008-04-02 | 联想(北京)有限公司 | Method and mobile device for migrating finance data in smart card |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| US6424845B1 (en) * | 1998-06-19 | 2002-07-23 | Ncr Corporation | Portable communication device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101154281A (en) * | 2006-09-30 | 2008-04-02 | 联想(北京)有限公司 | Method and mobile device for migrating finance data in smart card |
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