CN102122415B - Non-contact mobile payment terminal and payment method based on security TF (TransFLash) card and NFC (near field communication) technology - Google Patents
Non-contact mobile payment terminal and payment method based on security TF (TransFLash) card and NFC (near field communication) technology Download PDFInfo
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Abstract
The invention relates to a non-contact mobile payment terminal and a payment method based on a security TF (TransFLash) card and a NFC (near field communication) technology. The non-contact mobile payment terminal comprises the security TF card taken as a carrier for providing security storage as well as a mobile payment service component added in a mobile terminal system with a NFC module, wherein, the security TF card is an intelligent security TF card password product formed by packaging a password chip, an SD (secure digital) controller and a flash memory; and the mobile payment service component comprises a first component module which interacts with the NFC module in the mobile terminal as well as a second component module which interacts with the security TF card, and the mobile payment service component initializes the NFC module into a smart card simulation mode by calling the first component module so that the NFC module and an external non-contact card reader perform information interaction so as to provide security storage. By utilizing the security TF card, the non-contact mobile payment terminal and the payment method can be realized under the support of the card so that the NFC-based non-contact mobile payment method is mutually independent with a telecom operator, thus more units and institutions support and use the terminal and the method.
Description
Technical field:
The present invention relates to a kind of non-contact mobile payment terminal and method of payment, particularly a kind of non-contact mobile payment terminal and method of payment based on safety TF card and NFC technology.
Background technology:
Mobile payment is meant by mobile communication terminal and equipment (being designated hereinafter simply as portable terminal) such as mobile phone, PDA, notebook computers, through bank transfer that wireless mode carried out, pay the fees and business transaction activity such as shopping.According to the distance in payment geographic position, mobile payment service can be divided into remote payment and local payment.Remote payment can not receive the constraint in geographic position, and independence or rely on environment such as shopping online, teleshopping as disbursement account, is mentioned service request with modes such as voice, WAP, notes with bank account, mobile phone charge or virtual pre-stored account; Local payment then utilizes technology such as radio-frequency technique (like NFC etc.), infrared ray, bluetooth, makes that the localized communication between the terminal devices such as mobile phone and POS terminal, automatic vending machine becomes possibility, really accomplishes aspectant transaction with mobile phone.Local payment has comprised the non-contact mobile payment based on the NFC technology.
NFC (Near Field Communication) technology is a kind of the short distance wireless communication technology of being promoted mainly by major companies such as Philips, Nokia and Sony.NFC merges the new technology that develops and come on the basis of radio frequency identification (RFID) and interconnection technique.It is integrated Non-contact Media Reader, contact type intelligent card and point-to-point function on one chip; Operate in the frequency range of 13.56MHz; Can be in the connection between the apparatus for establishing in the about 10cm scope; Transfer rate can be 106kbit/s, 212kbit/s, 424 kbit/s, and can bring up to more than the 848kbit/s future.It is accepted to become relevant international standard by International Standards Organization such as ISO, ECMA and ETSI.The NFC technology fully possessed following near radio interconnect equipment due low-power, low price, compatible characteristics, and make NFC become a kind of technology that is rich in competitive power of near radio field of interconnects.NFC has three kinds of mode of operations: 1) intelligent card artificial pattern; 2) point-to-point communication pattern; 3) card reader pattern.Main use is first kind of pattern in based on the non-contact mobile payment of NFC.Several kinds of main application schemes of present non-contact mobile payment comprise: the 1) integration program of mobile phone and SIM; This scheme has been separated application layer and bottom function; Be placed on the NFC application in the SIM, be placed on the NFC functional chip in the mobile phone to solve compatibility issue; 2) other parts of NFC functional chip and antenna and mobile phone and SIM scheme independently mutually; 3) two interface intelligent SIM card scheme.These several kinds of schemes respectively have characteristics.Wherein scheme 1 has obtained the support of global mobile communication alliance (GSMA), and GSMA proposes between mobile phone and SIM, to adopt single-wire-protocol (SWP).The Related product of NFC is announced to develop according to the standard that GSMA confirms in semiconductor manufacturing company grace intelligence Pu (NXP), and each big mobile-phone manufacturers and SIM manufacturer also express support for this scheme one after another simultaneously.
In scheme 1, the NFC mobile phone (is annotated: the mobile phone that refers to contain NFC module and function) and between the SIM communicate through the SWP agreement.User's important information (like credit card account, employee's card number etc.) is stored in the SIM safety zone.When the user changes SIM, can take away existing transaction data, realize separation between machine and card completely.But the problem of this scheme has: except mobile phone need have the NFC module and support the SWP agreement that must use the SIM of custom-designed support SWP agreement, for this reason, the original user SIM just must be changed.And owing to SIM will be issued by telecom operators, so this scheme is more favourable to telecom operators.
How to improve existing application scheme; Make its more simple possible, easy to usely be easy to promote (such as, the SIM that needs custom-designed support SWP agreement can not used; And make this scheme control and to dominate by telecom operators), become urgent problem.And described be smart card class password product and portable terminal cryptographic service module based on safety TF card by Zhengzhou Xinda Jiean Information Technology Co., Ltd.'s independent development.It is the password card that has adopted Micro SD (being TF) interface, and built-in Flash memory module can provide cryptographic service (encryption and decryption, summary, mathematics signature etc.) and safety storing for the mobile terminal of mobile telephone with TF interface.This security service module can be used in multiple intelligent terminal operating system.Described is a kind of TF smart card based on safety TF card, and it can provide safety storing, uses it can support the realization of this non-contact mobile payment terminal and method of payment.
Summary of the invention:
The objective of the invention is to overcome the deficiency that exists in the prior art and a kind of non-contact mobile payment terminal and method of payment that under the support of safety TF card, realizes based on safety TF card and NFC technology is provided; User's TF card safe in utilization is stored important information in the NFC mobile phone; And its original common SIM need not be changed; And safe TF card also can be purchased distribution by non-telecom operators (like bank); It can provide safety storing, uses it can support the realization of this non-contact mobile payment terminal and method of payment, thereby makes this NFC non-contact mobile payment method and telecom operators separate; And then obtain the much support and uses of units and mechanism more widely, help further applying of NFC technology.
The objective of the invention is to realize like this:
A kind of non-contact mobile payment terminal based on safety TF card and NFC technology; Comprise as the safe TF card of safety storing carrier being provided and in mobile terminal system, increasing by two parts of mobile payment serviced component, it is characterized in that with NFC module and function:
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF; Safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, is used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Is the intelligent card artificial pattern through calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having.
Carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating, comprising with the NFC hardware module:
1) be the intelligent card artificial pattern with the NFC module initialization; Be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides; If call success, then this NFC portable terminal just successfully is modeled to a contactless card, is read and write by other outside card reader; And its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card; Be specially: ran succeeded in a last step; After the NFC portable terminal gets into the intelligent card artificial pattern; When this NFC portable terminal was received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface added in these orders and event handling interface sticking into calling of relevant portion in the capable mutual assembly module with safety TF; To be converted into read-write operation from read write command or the incident that external read card device is sent to secure storage section in the safety TF card
3) result is returned to outside card reader; Be specially: carry out the return results interface that mutual assembly module gets calling system after the result to the end with NFC module in the portable terminal; Object information is returned to outside card reader through the NFC hardware module, so that accomplish this transaction.
Stick into the second mutual assembly module of row with safety TF and be used for the information of safety storing in the safety TF card is carried out access, comprising:
1) safe TF card initialization; Be specially: before need operating the secure storage section of safety TF card; To call the initialization interface that it provides earlier; To safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safety storing operation in the safe TF card; Be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section; These requests are delivered to the smartcard processor place in the safe TF card through the Information Access operation-interface of safety TF card; The parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safety storing in the safe TF card; Be specially: safe TF card is accomplished after the Information Access operation; Can operating result as being beamed back in the NFC mobile terminal system, accessing operation request responding order just now be sticked into the mutual assembly module of row with safety TF; This module again with result return to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back through the NFC hardware module.
A kind of non-contact mobile payment method based on safety TF card and NFC technology; It is characterized in that: this method of payment comprises that TF card safe in utilization is as the carrier of safety storing being provided and in the mobile terminal system with NFC function, increasing by two steps of mobile payment serviced component
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF, and safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, the storage user certificate; Be used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card provides corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Is the intelligent card artificial pattern through calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having
Wherein, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC module, its step comprises:
1) be the intelligent card artificial pattern with the NFC module initialization; Be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides; If call success, then this NFC portable terminal just successfully is modeled to a contactless card, is read and write by other outside card reader; And its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card; Be specially: ran succeeded in a last step; After the NFC portable terminal gets into the intelligent card artificial pattern; When this NFC portable terminal was received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface added in these orders and event handling interface sticking into calling of relevant portion in the capable mutual assembly module with safety TF; To be converted into read-write operation from read write command or the incident that external read card device is sent to secure storage section in the safety TF card
3) result is returned to outside card reader; Be specially: carry out the return results interface that mutual assembly module gets calling system after the result to the end with NFC module in the portable terminal; Object information is returned to outside card reader through the NFC hardware module, so that accomplish this transaction.
Wherein, stick into the second mutual assembly module of row with safety TF and be used for the information of safety storing in the safety TF card is carried out access, its step comprises:
1) safe TF card initialization; Be specially: before need operating the secure storage section of safety TF card; To call the initialization interface that it provides earlier; To safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safety storing operation in the safe TF card; Be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section; These requests are delivered to the smartcard processor place in the safe TF card through the Information Access operation-interface of safety TF card; The parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safety storing in the safe TF card; Be specially: in the last step; Safe TF card is accomplished after the Information Access operation; Can with operating result as to accessing operation request responding just now order beam back in the NFC mobile terminal system and sticking into capable mutual assembly module with safety TF, this module again with result return to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back through the NFC hardware module.
The present invention has following good effect: the application scheme that the main acquisition of the present non-contact mobile payment based on NFC is extensively supported is the integration program of mobile phone and SIM.In this scheme, NFC mobile phone and SIM communicate through the SWP agreement.User's important information (like credit card account, employee's card number etc.) is stored in the SIM safety zone.When the user changes SIM, can take away existing transaction data, realize separation between machine and card completely.But the problem of this scheme has: except mobile phone need have the NFC module and support the SWP agreement the necessary SIM that uses custom-designed support SWP agreement.And owing to SIM will be issued by telecom operators, so this scheme is more favourable to telecom operators.If adopt the non-contact mobile payment method that proposes among the present invention then can solve the problem described in the such scheme based on safety TF card and NFC technology; User's TF card safe in utilization is stored important information in the NFC mobile phone, and its original common SIM does not need to change.And; Safe TF card also can be purchased distribution by non-telecom operators (like bank); Thereby make this NFC non-contact mobile payment method and telecom operators separate; And then obtain the much support and uses of units and mechanism more widely, help further applying of NFC technology.
Description of drawings:
Fig. 1 is a basic synoptic diagram of the present invention.
Fig. 2 carries out mutual synoptic diagram for mobile payment serviced component of the present invention and NFC module.
Fig. 3 is that mobile payment serviced component of the present invention and safe TF stick into the mutual synoptic diagram of row.
Embodiment:
Basic synoptic diagram of the present invention is as shown in Figure 1, the invention discloses a kind of non-contact mobile payment terminal and method of payment based on safety TF card and NFC technology.A kind of non-contact mobile payment terminal based on safety TF card and NFC technology comprises as the safe TF card of safety storing carrier being provided and in the mobile terminal system with NFC module and function, increasing by two parts of mobile payment serviced component.A kind of non-contact mobile payment method based on safety TF card and NFC technology, this method of payment comprise that TF card safe in utilization is as the carrier of safety storing being provided and in the mobile terminal system with NFC function, increasing by two steps of mobile payment serviced component.
As shown in Figure 1; A kind of non-contact mobile payment terminal of the present invention based on safety TF card and NFC technology; Comprise as the safe TF card of safety storing carrier being provided and in mobile terminal system, increasing by two parts of mobile payment serviced component, it is characterized in that with NFC module and function:
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF; Safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, is used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Is the intelligent card artificial pattern through calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having.
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF; Safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, is used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries;
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Is the intelligent card artificial pattern through calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having.
As shown in Figure 2, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC hardware module, comprising:
1) be the intelligent card artificial pattern with the NFC module initialization; Be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides; If call success, then this NFC portable terminal just successfully is modeled to a contactless card, is read and write by other outside card reader; And its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card; Be specially: ran succeeded in a last step; After the NFC portable terminal gets into the intelligent card artificial pattern; When this NFC portable terminal was received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface added in these orders and event handling interface sticking into calling of relevant portion in the capable mutual assembly module with safety TF; To be converted into read-write operation from read write command or the incident that external read card device is sent to secure storage section in the safety TF card
3) result is returned to outside card reader; Be specially: carry out the return results interface that mutual assembly module gets calling system after the result to the end with NFC module in the portable terminal; Object information is returned to outside card reader through the NFC hardware module, so that accomplish this transaction.
As shown in Figure 3, stick into the second mutual assembly module of row with safety TF and be used for the information of safety storing in the safety TF card is carried out access, comprising:
1) safe TF card initialization; Be specially: before need operating the secure storage section of safety TF card; To call the initialization interface that it provides earlier; To safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safety storing operation in the safe TF card; Be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section; These requests are delivered to the smartcard processor place in the safe TF card through the Information Access operation-interface of safety TF card; The parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safety storing in the safe TF card; Be specially: safe TF card is accomplished after the Information Access operation; Can operating result as being beamed back in the NFC mobile terminal system, accessing operation request responding order just now be sticked into the mutual assembly module of row with safety TF; This module again with result return to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back through the NFC hardware module.
The used safe TF card of the present invention is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF; Safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, is used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided.Safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries.
A kind of non-contact mobile payment method based on safety TF card and NFC technology; It is characterized in that: this method of payment comprises that TF card safe in utilization is as the carrier of safety storing being provided and in the mobile terminal system with NFC function, increasing by two steps of mobile payment serviced component
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF, and safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, the storage user certificate; Be used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card provides corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries
Described mobile payment serviced component comprise with portable terminal in the NFC module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Is the intelligent card artificial pattern through calling first assembly module with the NFC module initialization; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having
Wherein, carry out the first mutual assembly module with NFC module in the portable terminal and be used for communicating with the NFC module, its step comprises:
1) be the intelligent card artificial pattern with the NFC module initialization; Be specially: carry out mutual assembly module with NFC module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides; If call success, then this NFC portable terminal just successfully is modeled to a contactless card, is read and write by other outside card reader; And its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this artificial card; Be specially: ran succeeded in a last step; After the NFC portable terminal gets into the intelligent card artificial pattern; When this NFC portable terminal was received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface added in these orders and event handling interface sticking into calling of relevant portion in the capable mutual assembly module with safety TF; To be converted into read-write operation from read write command or the incident that external read card device is sent to secure storage section in the safety TF card
3) result is returned to outside card reader; Be specially: carry out the return results interface that mutual assembly module gets calling system after the result to the end with NFC module in the portable terminal; Object information is returned to outside card reader through the NFC hardware module, so that accomplish this transaction.
Wherein, stick into the second mutual assembly module of row with safety TF and be used for the information of safety storing in the safety TF card is carried out access, its step comprises:
1) safe TF card initialization; Be specially: before need operating the secure storage section of safety TF card; To call the initialization interface that it provides earlier; To safety TF card initialization operation, initialization operation comprise checking NFC mobile terminal system TF card safe in utilization authority, set the transfer rate of communicating by letter between safe TF card and NFC mobile terminal system
2) Information Access of safety storing operation in the safe TF card; Be specially: when receive with portable terminal in after the NFC module carries out the read-write operation request of mutual assembly module to safety TF card secure storage section; These requests are delivered to the smartcard processor place in the safe TF card through the Information Access operation-interface of safety TF card; The parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safety storing in the safe TF card; Be specially: in the last step; Safe TF card is accomplished after the Information Access operation; Can with operating result as to accessing operation request responding just now order beam back in the NFC mobile terminal system and sticking into capable mutual assembly module with safety TF, this module again with result return to portable terminal in the NFC module carry out mutual assembly module, pass outside card reader by it back through the NFC hardware module.
Claims (4)
1. non-contact mobile payment terminal based on safety TF card and NFC technology; Comprise as the safe TF card of safety storing carrier being provided and in mobile terminal system, increasing by two parts of mobile payment serviced component, it is characterized in that with NFC hardware module and function:
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF; Safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, can store user certificate, is used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card will provide corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries;
Described mobile payment serviced component comprise with portable terminal in the NFC hardware module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Through calling first assembly module NFC hardware module is initialized as the intelligent card artificial pattern; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having.
2. the non-contact mobile payment terminal based on safety TF card and NFC technology according to claim 1 is characterized in that: carry out the first mutual assembly module with NFC hardware module in the portable terminal and be used for communicating with the NFC hardware module, comprising:
1) the NFC hardware module is initialized as the intelligent card artificial pattern; Be specially: carry out the first mutual assembly module with NFC hardware module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides; If call success, then this portable terminal with NFC hardware module and function just successfully is modeled to a contactless card, is read and write by other outside card reader; And its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this smart card; Be specially: ran succeeded in a last step; After having the portable terminal entering intelligent card artificial pattern of NFC hardware module and function; When this portable terminal with NFC hardware module and function was received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface added in these orders and event handling interface sticking into calling of relevant portion in the first capable mutual assembly module with safety TF; To be converted into read-write operation from read write command or the incident that external read card device is sent to secure storage section in the safety TF card
3) result is returned to outside card reader; Be specially: carry out the return results interface that the first mutual assembly module gets calling system after the result to the end with NFC hardware module in the portable terminal; Object information is returned to outside card reader through the NFC hardware module, so that accomplish this transaction.
3. the non-contact mobile payment terminal based on safety TF card and NFC technology according to claim 1 is characterized in that:
Stick into the second mutual assembly module of row with safety TF and be used for the information of safety storing in the safety TF card is carried out access, comprising:
1) safe TF card initialization; Be specially: before need operating the secure storage section of safety TF card; To call the initialization interface that it provides earlier; To safety TF card initialization operation, initialization operation comprises that checking has the authority of the mobile terminal system TF card safe in utilization of NFC hardware module and function, sets the transfer rate of communicating by letter between safe TF card and the mobile terminal system with NFC hardware module and function
2) Information Access of safety storing operation in the safe TF card; Be specially: when receive with portable terminal in after the NFC hardware module carries out the read-write operation request of the second mutual assembly module to safety TF card secure storage section; These requests are delivered to the smartcard processor place in the safe TF card through the Information Access operation-interface of safety TF card; The parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safety storing in the safe TF card; Be specially: safe TF card is accomplished after the Information Access operation; Can operating result as being beamed back in the mobile terminal system with NFC hardware module and function, accessing operation request responding order just now be sticked into the second mutual assembly module of row with safety TF; This module again with result return to portable terminal in the NFC hardware module carry out the second mutual assembly module, pass outside card reader by it back through the NFC hardware module.
4. non-contact mobile payment method based on safety TF card and NFC technology; It is characterized in that: this method of payment comprises that TF card safe in utilization is as the carrier of safety storing being provided and in the mobile terminal system with NFC function, increasing by two steps of mobile payment serviced component
Described safe TF card is a kind of safe and intelligent TF card class password product; Safe and intelligent TF card is selected crypto chip, SD controller and Flash for use and is packaged together; The interface packing forms of safe and intelligent TF card is TF, and safe TF card is supported symmetry, asymmetric cryptographic algorithm and digest algorithm, the storage user certificate; Be used for user identity identification, the safety storing of safety control strategy and corresponding security algorithm and user's important information and Transaction Information is provided; Safe TF card provides corresponding calling interface storehouse for the corresponding mobile terminal system, and mobile terminal system is realized the operation to safety TF card through these interface libraries
Described mobile payment serviced component comprise with portable terminal in the NFC hardware module carry out the first mutual assembly module and stick into mutual two essential parts of second assembly module of row with safety TF; The mobile payment serviced component moves when system start-up; Through calling first assembly module NFC hardware module is initialized as the intelligent card artificial pattern; Make itself and outside Non-contact Media Reader interactive information; The mobile payment serviced component is analyzed these information, need just call user profile and the Transaction Information of second assembly module with handling safety TF card stored if having
Wherein, carry out the first mutual assembly module with NFC hardware module in the portable terminal and be used for communicating with the NFC hardware module, its step comprises:
1) the NFC hardware module is initialized as the intelligent card artificial pattern; Be specially: carry out the first mutual assembly module with NFC hardware module in the portable terminal and call the intelligent card artificial interface that the mobile terminal system based on NFC provides; If call success, then this portable terminal with NFC hardware module and function just successfully is modeled to a contactless card, is read and write by other outside card reader; And its passive response in the radio-frequency field that sends of card reader externally only
2) obtain the interactive information of outside card reader and this smart card; Be specially: ran succeeded in a last step; After having the portable terminal entering intelligent card artificial pattern of NFC hardware module and function; When this portable terminal with NFC hardware module and function was received the read write command sent from outside card reader or incident, corresponding order that its calling system provides or event handling interface added in these orders and event handling interface sticking into calling of relevant portion in the first capable mutual assembly module with safety TF; To be converted into read-write operation from read write command or the incident that external read card device is sent to secure storage section in the safety TF card
3) result is returned to outside card reader; Be specially: carry out the return results interface that the first mutual assembly module gets calling system after the result to the end with NFC hardware module in the portable terminal; Object information is returned to outside card reader through the NFC hardware module; So that accomplish this transaction
Wherein, stick into the second mutual assembly module of row with safety TF and be used for the information of safety storing in the safety TF card is carried out access, its step comprises:
1) safe TF card initialization; Be specially: before need operating the secure storage section of safety TF card; To call the initialization interface that it provides earlier; To safety TF card initialization operation, initialization operation comprises that checking has the authority of the mobile terminal system TF card safe in utilization of NFC hardware module and function, sets the transfer rate of communicating by letter between safe TF card and the mobile terminal system with NFC hardware module and function
2) Information Access of safety storing operation in the safe TF card; Be specially: when receive with portable terminal in after the NFC hardware module carries out the read-write operation request of the second mutual assembly module to safety TF card secure storage section; These requests are delivered to the smartcard processor place in the safe TF card through the Information Access operation-interface of safety TF card; The parameter of importing into simultaneously also has information pairing positional information on safety TF card of action required
3) receive and handle the information operating response of safety storing in the safe TF card; Be specially: in the last step; Safe TF card is accomplished after the Information Access operation; Can operating result as being beamed back in the mobile terminal system with NFC hardware module and function, accessing operation request responding order just now be sticked into the second mutual assembly module of row with safety TF; This module again with result return to portable terminal in the NFC hardware module carry out the second mutual assembly module, pass outside card reader by it back through the NFC hardware module.
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| CN2011100803834A CN102122415B (en) | 2011-03-31 | 2011-03-31 | Non-contact mobile payment terminal and payment method based on security TF (TransFLash) card and NFC (near field communication) technology |
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| CN2011100803834A CN102122415B (en) | 2011-03-31 | 2011-03-31 | Non-contact mobile payment terminal and payment method based on security TF (TransFLash) card and NFC (near field communication) technology |
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