CN102306265A - Contactless value storing device and contactless identity differentiating method - Google Patents
Contactless value storing device and contactless identity differentiating method Download PDFInfo
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- CN102306265A CN102306265A CN201110170870A CN201110170870A CN102306265A CN 102306265 A CN102306265 A CN 102306265A CN 201110170870 A CN201110170870 A CN 201110170870A CN 201110170870 A CN201110170870 A CN 201110170870A CN 102306265 A CN102306265 A CN 102306265A
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Abstract
The invention relates to a contactless value storing device which comprises a contactless value storing card which is provided with a substrate; the substrate comprises an IC (Integrated Circuit) and a contactless value storing card reader, wherein IC is coupled to a contactless signal transmitting and receiving device, so as to store a value in a contactless mode, wherein the IC is used for storing information related to storage of the value; and the contactless value storing card reader is coupled to the contactless signal transmitting and receiving device of the contactless value storing card in the contactless mode, so as to store the value of the contactless value storing card in the contactless mode.
Description
The application is to be on August 23rd, 2006 applying date, and application number is 200610115056.7, and name is called the dividing an application of application for a patent for invention of " non-contact credit card and fiscard and non-contact trading method thereof ".
Technical field
The invention relates to a kind of transaction with credit device, particularly relevant a kind of contactless Stored Value device.
Background technology
In general, credit card is widely used in financial transaction or commodity transaction field, the main at present contact credit card that adopts.In addition, conventional smart card is a kilocalorie, is of a size of 84mmX54mm, generally is applied to financial transaction system such as fiscard, credit card, ATM card; Or identity authorization system such as health insurance cards.When swiping the card, machine for punching the card reads the information on the magnetic stripe, with identity verification, is beneficial to the carrying out of transaction with credit.But this contact mode often causes the credit card wearing and tearing and pollutes and cause hygienic issues, and stolen by other people when importing password.
Summary of the invention
The present invention can provide a kind of credit card of contactless fiscard, non-contact or above-mentioned composite card of being applicable to.
Above-mentioned non-contact card comprises an integrated circuit IC-card.And for the application of fixed terminal machine, possess the function of interactive authentication, for example at Automatic Teller Machine (ATM), the user can operate at Automatic Teller Machine (ATM), or induction type machine for punching the card or card read machine operation, so that consumption or service to be provided.
The present invention discloses a kind of credit card; It comprises a substrate; The substrate that it is characterized in that this credit card comprises an IC and is coupled to a signal sending and receiving apparatus; Be beneficial to carry out contactless transaction with credit through the signal sending and receiving apparatus with electromagnetic induction or electromagentic resonance, wherein this IC stores this letter card relevant information and is beneficial to transaction authentication.Like card number, date of expiration, and user's relevant information.Wherein above-mentioned signal sending and receiving apparatus must be an antenna or inductive coil.Like flat plane antenna, like PIFA, fourchette antenna, a plurality of cycle antenna.This antenna or inductive coil are disposed at this substrate inside or outside surface.
The present invention is again a kind of fiscard; It comprises a substrate; This substrate comprises an IC and is coupled to an antenna or inductive coil, is beneficial to carry out contactless financial transaction with electromagnetic induction or electromagentic resonance, and wherein this IC stores this fiscard relevant information and is beneficial to transaction authentication.Comprise user's relevant information, password, account information, bank of deposit's information or the like.
In like manner; The present invention proposes a kind of subscriber identifying module card and comprises a substrate; It is characterized in that substrate comprises an IC and is coupled to a signal sending and receiving apparatus; Be beneficial to carry out contactless transaction with credit with electromagnetic induction or electromagentic resonance through the signal sending and receiving apparatus; Wherein this IC stores authentication-related information and is beneficial to transaction authentication, and this subscriber identifying module card comprises input and output interfaces and is beneficial to be connected with mobile phone connector.Wherein this signal sending and receiving apparatus comprises an antenna or inductive coil.It is inner or outside that wherein this antenna or inductive coil are disposed at this substrate inside or outside surface or mobile phone.This subscriber identifying module card comprises user identity identification sign indicating number.
A kind of hand-hold communication device; It is characterized in that comprising an IC and be coupled to a contactless transaction signal sending and receiving apparatus; Be beneficial to carry out contactless transaction with electromagnetic induction or electromagentic resonance through this signal sending and receiving apparatus; Wherein this IC stores authentication-related information and is beneficial to transaction authentication; The identification sign indicating number is stored in this hand-held device or in the subscriber identifying module, it comprises input and output interfaces and is beneficial to be connected with mobile phone connector.Wherein hand-hold communication device comprises a mobile phone or a personal digital assistant.
Based on above-mentioned demand; The present invention proposes a kind of non-contact credit card calculating punch; Its characteristic comprises a non-contact reader-writer; Be coupled to the non-contact type signal sending and receiving apparatus; Be beneficial to carry out contactless transaction with credit through this signal sending and receiving apparatus with electromagnetic induction or electromagentic resonance, wherein the non-contact credit card calculating punch is coupled to remote server and is beneficial to transaction authentication when using.Wherein this contactless transaction signal sending and receiving apparatus comprises an antenna or inductive coil.
A kind of contactless financial cash machine; Its characteristic is compared to known technology; It comprises a non-contact reader-writer; Be coupled to the non-contact type signal sending and receiving apparatus; Be beneficial to carry out contactless financial transaction through this non-contact type signal sending and receiving apparatus with electromagnetic induction or electromagentic resonance, wherein contactless financial cash machine is coupled to remote server and is beneficial to transaction authentication when using.Wherein this contactless transaction signal sending and receiving apparatus comprises an antenna or inductive coil.
Description of drawings
Fig. 1 is the synoptic diagram according to IC-card of the present invention.
Fig. 2 is the synoptic diagram according to SIM card of the present invention.
Fig. 3 is the synoptic diagram according to automated teller equipment of the present invention.
Symbol description:
IC-card 10
IC?12
Date of expiration 12B
User's relevant information 12C
Signal I/O contact interface 16
IC-card 10A
Signal input and output contact interface 16A
Non-contact Media Reader 50
Read write line 54
Cash output or input block 102
Cash magazine 106
Conveying arrangement 108
Non-contact reader-writer 110
Non-contact type signal sending and receiving apparatus 112
Contact reader 114
Network interface 116
Embodiment
By following being described in detail of reference, above-mentioned viewpoint and advantage of the present invention can be understood fast, and by following description and annexed drawings, can understand spirit of the present invention easily.
Below explanation provides explicit description, so that the overall understanding for the embodiment of the invention to be provided.Please refer to graphic and following explanation, its purpose is just in order to illustrate most preferred embodiment of the present invention, and is not in order to limit interest field of the present invention.The present invention is applicable to authentication application such as transaction with credit, financial transaction; Like the fixed terminal machine, comprise Automatic Teller Machine (Automated Teller Machine:ATM), machine for punching the card, calculating punch or end points marketing system (Point of Sales:POS) calculating punch.Below illustrate respectively to above-mentioned application.
With reference to figure 1, it shows the synoptic diagram according to IC-card 10 of the present invention.In a preferred embodiment, the base material of the above-mentioned IC of having 12 can be the similar plastic material that is used in credit card or the transactional cards.For example, the material preferred thickness range of substrate is between the 0.08mm to 0.12mm.In another preferred embodiment, the size of above-mentioned IC-card, material and shape are applicable to present fiscard, credit card or Standard User identification module card.The inconvenience of not adopting the direct contact of the magnetic stripe mechanism of swiping the card to be caused.But the present invention does not get rid of and is able to comprise magnetic stripe and possesses two kinds of operator schemes.
As shown in the figure, be a surface signal according to IC-card of the present invention.Above-mentioned IC-card 10 comprises IC 12 and is coupled to an antenna 14 (or electromagnetic induction coil), and the position of antenna 14 can be arranged in card or surperficial any position, comprises but is not limited to arbitrary of IC-card.With credit card, information such as user's information, authentication code, card number or password, the ISP can be stored among the IC in advance.IC-card can comprise single IC, integrate IC or a plurality of IC adheres to or is embedded in the above-mentioned IC-card.Above-mentioned IC-card can be a soft printed circuit board (PCB) (being commonly called as soft board) or a hard printed circuit board, can be transparent or transparent materials.On the other hand; Above-mentioned IC also can comprise storer; But for example can remove and program read-only memory (Electrically Erasable Programmable Read-Only Memory:EEPROM) or flash memory (Flash) by electricity, be beneficial to store data, to be used for User Recognition application etc.
Lift among the embodiment, wherein this IC 12 is coupled to such an extent that store the storer 122 that this letter card relevant information is beneficial to transaction authentication.Data comprises but is not limited to, like card number 12A, date of expiration 12B, and user's relevant information 12C or password, identification code etc.This IC 12 must be an integration IC with this storer 122.Wherein above-mentioned signal sending and receiving apparatus must be an antenna or inductive coil.Like flat plane antenna, like PIFA, fractal antenna, fourchette antenna, a plurality of cycle antenna.Credit card then need not be positioned at the magnetic stripe or the Metal Contact interface of card face, a plurality of metal contacts on the for example general fiscard.
With fiscard, IC-card 10 according to the present invention can select to omit signal I/O contact interface 16, can also comprise above-mentioned I/O contact interface 16, to be able to implement contact and non-contact transaction authentication function.In addition, be beneficial to user's Change Password.Credit card then need not this interface 16.Moreover, suitable on the contact interface of IC-card with the pin position of known standard intelligent card, be the contact interface that known standard intelligent card provided.Therefore calculating punch can be linked up through input/output interface.But widespread use to fixed terminal machine comprises Automatic Teller Machine or end points marketing system calculating punch.In the present embodiment, IC-card can be a smart card and comprises but be not limited to credit card, financial ATM card, EasyCard, debt-credit card, stored value card.In addition, based on this embodiment use required, the characteristic of embodiments of the invention more comprises signal, sending and receiving apparatus, generally it can be a flat plane antenna.Said embodiment of the present invention, its size is equivalent to fiscard or IC-card haply.It can be coupled to antenna 14, as transaction of electronic wireless closely or discriminating function.Above-mentioned antenna 14 can be thin formula or a plane formula inductive coil or a so-called flat plane antenna, comprises but is not limited to the circulating antenna shown in the figure.In one embodiment, arrangement of antennas is not limited to aforesaid way, can change its configuration mode according to different needs.Through antenna emission and reception signal.
Compared to known technology, the invention has the advantages that it is to be applied in contactless finance or transactional services.The present invention has following advantage: non-contact credit card, financial card application etc. are provided, can avoid suffering other people side record password.Based on contactless, then can avoid the process of swiping the card to undermine the card body.Be able to provide mode of doing business based on contactless than health.In addition, do not have any personal information or specific sign from the outward appearance of card, also not having any card number or account number, to be shown in naked eyes in appearance cognizable.Common people are in stealing or read any relevant information, improving safety in appearance.Signature can also adopt digital form to be stored in the storer 122 in addition, can be beneficial to read back and bill signature comparison identification.And card face can be according in addition customized making or adopt artistic pattern of personal style.Be beneficial to the identification comparison and also can add digital photo in the storer 122, promote transaction security.
And on Another Application; The present invention one can be used in it on subscriber identifying module card (SIM card) of mobile phone; With reference to figure 2, that is disposing an antenna 14A, to be embedded in this IC-card 10A inner or be disposed at the surface or be disposed at mobile phone inside or the outside is beneficial to receiving and transmitting signal.It comprises a signal input and output contact interface 16A in order to contacting with mobile phone.Be noted that the antenna of the speech communication of the non-mobile phone of this antenna own is the antenna that additionally is beneficial to contactless transaction.So, be able to through mobile phone as instrument of exchange.Based on this, this subscriber identifying module has specific or personal authentication's identification code, is able to identification transaction counterpart.So, can utilize this configuration to carry out contactless transaction.It can be collected the charges through telecommunications or financial service subsidiary, or utilizes value added card mode to withhold.Above-mentioned contact interface 16A comprises eight above pin positions, and the mobile phone dealer only uses wherein six at present, thus can adopt wherein still untapped pin position and antenna coupling, and then get in touch with IC 12A, as information transmission path.The lifting of based semiconductor technology; Be able to the storage volume that provides enough; In the storer of card, store value added amount, withhold, and its relevant information must show remaining sum or dealing money and time etc. through the transaction software of planting in mobile phone or card IC (or storer) through consumption.When needs are value added, be able to through the non-contact card reading machine or the end points marketing system is value added counts, or through mobile phone-downloaded or world-wide web value added (if mobile phone has the WiFi module).When Sorry, your ticket has not enough value when calculating punch induction, be able to the amount that automatic value added institute is scheduled to or sets, withhold through credit card issuing bank again.
When operation; Non-contact Media Reader 50 or end points marketing system based on icon are able to by read write line power supply is provided; Produce magnetic field (coil type) produces the current drives card at the coil of credit card (or other IC-card, subscriber identifying module card) with way of electromagnetic induction IC; Intercepting storer internal information; Handle return signal in like manner through IC to the non-contact card reading machine; Based on electromagnetic induction; The coil 52 of Non-contact Media Reader 50 produces signal and feeds back to read write line 54; One control module 60, the above-mentioned read write line 54 that is coupled will be handled institute's tendency to develop and send or reception information.Adopt the outer antenna that also can adopt and replace coil, transmit through antenna and also supervene magnetic field.On card, produce electric current through resonating, subsequent treatment as stated.Non-contact card reading machine or end points marketing system are then related to remote server.Through network interface 56,, be able to be beneficial to transaction with long distance database exchange message with control module 60 couplings.And printing list unit 58 be coupled to control module 50 be beneficial to reception information and with credit card United Center authentication after information print off the list of signing the bill.
Fig. 3 is the function block schematic diagram of the present invention's contactless cash machine 100 of being correlated with.It comprises cash output or input block 102 in order to output cash or input cash in order to withdrawing deposit or depositing.Comprise control module 104 and be beneficial to transaction authentication and information inquiry in order to the control and treatment input signal and with main frame is online.It is connected with cash machine 100 primary memorys 105.106 is the cash magazine, gets in touch through conveying arrangement 108 and cash output or input block 102.Contactless financial cash machine; Its characteristic comprises a non-contact reader-writer 110; Be coupled to non-contact type signal sending and receiving apparatus 112 and control module 104; Be beneficial to carry out contactless financial transaction through this non-contact type signal sending and receiving apparatus with electromagnetic induction or electromagentic resonance, wherein contactless financial cash machine is coupled to remote server and is beneficial to transaction authentication when using.Wherein this contactless transaction signal sending and receiving apparatus comprises an antenna or inductive coil.Other part operation mechanism is suitable with traditional mechanism, and it must dispose contact card reading mechanism 114 in order to the traditional type Card Reader.Be able to be beneficial to transaction through network interface 116 with long distance database exchange message.
Based on state; The present invention is also applicable to authentication or member authentication, wherein is authentication data (membership number), event record, digital photos, personal identification relevant information such as blood group, health and fitness information, lives institute's information, spouse's information or the like for stored data in the storer with one of credit card difference.
The present invention proposes the method through hand-hold communication device consumption, comprises:
Implant a contactless Stored Value and be stuck in this hand-hold communication device, this contactless stored value card comprises or is coupled to a signal receiving/transmission device;
Press close to a non-contact reader-writer with this hand-hold communication device; Carry out contactless transaction through this non-contact type signal sending and receiving apparatus with electromagnetic induction or electromagentic resonance, wherein this contactless stored value card is one to be independent of the stored value card of user discrimination module card or to be integrated in this user discrimination module card.Wherein this antenna or inductive coil be disposed in this contactless stored value card, in this user discrimination module card, this mobile phone is inner or outside.
A kind of contactless method of carrying out transaction with credit comprises:
One noncontact credit card and non-contact card reading machine are provided, and this non-contact credit card and this non-contact card reading machine comprise a signal receiving/transmission device individually;
Press close to a non-contact card reading machine with this noncontact credit card; Carry out contactless transaction through this non-contact type signal sending and receiving apparatus with electromagnetic induction or electromagentic resonance; Wherein this non-contact credit card comprises this signal receiving/transmission device that an IC is coupled to correspondence, and it stores card number, valid period and user's information.
A kind of contactless method of carrying out financial transaction comprises:
One noncontact fiscard and contactless cash machine are provided, and this contactless fiscard and this contactless cash machine respectively comprise signal receiving/transmission device;
Press close to a contactless cash machine with this noncontact fiscard; Through carrying out contactless transaction with electromagnetic induction or electromagentic resonance between this non-contact type signal sending and receiving apparatus; Wherein this contactless fiscard comprises this signal receiving/transmission device that an IC is coupled to correspondence, its storage bank account number, password and account information.
The material of antenna pattern must be Copper Foil or metal alloy; Also can be to comprise the oxide with metal, wherein, and some conductive material of processing with the method be transparent or intimate transparent; And if this antenna is attached on glass or the transparency carrier, it will have vision and penetrate effect.Transparent material also comprises the oxide with doped aluminium, and its shape is in the process that forms in transparency conducting layer, to use an adequate shielding to constitute.
The method that forms transparency conducting layer is contained in the ion beam method of formation membrane structure under the low temperature; For instance; Film can at room temperature form and have the acceptance less than 3x104 ohm/centimetre, and also can adopt radio-frequency magnetic fulgurite sputtering thin film method (RF magnetron sputtered thin film method).Consider in what make based on cost, formation at room temperature forms in the malaria like the method for the antenna film of indium tin oxide in the present embodiment, and can obtain required pattern by high etching ratio.This film form with one patterned after, it will be carried out with the temperature between 180 degree Celsius to 220 degree in the heat place reduced the resistance of film and promoted its penetrability in about one to three hour.Another kind of generation type is the chemical solution coating process; It is that 1 to 25 micron electrically conductive particles, mean diameter is 1 to 25 micron silicon dioxide microparticle and solvent that this coating solution comprises mean diameter; Part by weight between silicon dioxide or tripoli particulate and conductor particulate is preferably between 0.1 to 1, and electrically conductive particles is preferably the metal that is selected from gold, zinc, silver, palladium, platinum, rhodium, ruthenium, copper, iron, nickel, cobalt, tin, titanium, indium, aluminium, tantalum, gallium, germanium and antimony.Electrically conductive particles can and get by dilution one or more aforesaid metal concentrations of attenuating in one alcohol/water mixed solvent, and the temperature in heating place is to be higher than 100 degree Celsius.The tripoli particulate can increase the conductive capability of conductive film, includes percentage by weight in the conductive film coating liquid and accounts for 0.1% to 5% metal particle.Wherein can add thinning agent, like ferrous sulfate, trisodium citrate, tartaric acid, sodium boron hydride in dilution.Transparent conductive film can be by above-mentioned liquid being put on the substrate and is got, and makes its drying to obtain an electrically conducting transparent particulate layer, to form a transparent membrane.Again substrate is adhered on the object.Or directly coat on the object.In order to the coating liquid that forms transparency conducting layer is that method by immersion, rotary coating, sprinkling, roller bearing coating or flexographic printing (flexographic printing) etc. is applied on the substrate; Temperature by room temperature to 90 degree Celsius make this liquid drying then, then toast the film of coating with the high temperature that are not less than 100 degree Celsius or with electromagnetic radiation irradiation.
In sum, the present invention illustrates as above that with preferred embodiment so it is not in order to limit the patent right scope that the present invention advocated.Its scope of patent protection when look claim and etc. same domain and deciding.All art of being familiar with this field, in not breaking away from this patent spirit or scope, change of being done or retouching all belong to the equivalence of being accomplished under the disclosed spirit and change or design, and should be included in the claim.
Claims (11)
1. a contactless Stored Value device is characterized in that, comprises:
Contactless stored value card has a substrate, and this substrate comprises an IC and is coupled to the non-contact signal sending and receiving apparatus, and to carry out contactless Stored Value, wherein this IC stores the Stored Value relevant information; And
Contactless Stored Value card reader, noncontact are coupled to the non-contact signal sending and receiving apparatus of this contactless stored value card, so that this contactless stored value card is carried out contactless Stored Value.
2. contactless Stored Value device as claimed in claim 1 is characterized in that the material of this signal sending and receiving apparatus comprises metal or metal oxide.
3. contactless Stored Value device as claimed in claim 2 is characterized in that, this metal is selected from gold, zinc, silver, palladium, platinum, rhodium, ruthenium, copper, iron, nickel, cobalt, tin, titanium, indium, aluminium, tantalum, gallium, germanium and antimony one of them or combination in any.
4. contactless Stored Value device as claimed in claim 1 is characterized in that, this contactless stored value card is disposed in the hand-held communication device, and exportable Transaction Information is in the display of this hand-hold communication device.
5. contactless Stored Value device as claimed in claim 1; It is characterized in that; This contactless stored value card is disposed in the hand-held communication device, and this contactless stored value card is one to be independent of the stored value card of user discrimination module card or to be integrated in this user discrimination module card.
6. like claim 1,4 or 5 described contactless Stored Value devices; It is characterized in that; But this contactless stored value card credit transaction; Wherein this contactless stored value card comprises card number, valid period and user's information; Its step comprises: contact with contactless machine for punching the card is wireless with this noncontact stored value card; Press close to this contactless machine for punching the card with this noncontact stored value card, to carry out the contactless transaction of swiping the card.
7. like claim 1,4 or 5 described contactless Stored Value devices; It is characterized in that; But this contactless stored value card financial transaction; Wherein this contactless stored value card comprises card number, account No. and account information; Its step comprises: contact with contactless cash machine is wireless with this noncontact stored value card; Press close to this contactless cash machine with this noncontact stored value card, to carry out contactless debit transactions.
8. contactless identity identification method as contactless electronic I.D. or license, is characterized in that:
Provide a contactless identification card to comprise a substrate, this substrate comprises an IC and is coupled to a signal sending and receiving apparatus, and to be used for contactless identification, wherein this IC stores this identity-related information; And
One contactless identity recognition device is provided; Comprise contactless card reader; Link up with this contactless identification card to be used for emission or reception information, to be used for the stored information of this contactless identification card of acquisition, this information comprises identity information, digital image and lives institute's information; And
Output or demonstration are stored in stored information in this contactless identification card.
9. contactless identity identification method as claimed in claim 8; It is characterized in that; This contactless identification card is disposed in the hand-held communication device, and this contactless identification card is one to be independent of the stored value card of user discrimination module card or to be integrated in this user discrimination module card.
10. contactless identity identification method as claimed in claim 8 is characterized in that, this contactless identity recognition device connects far-end, to be used for the remote party identity identification.
11., it is characterized in that this contactless identification card information comprises logout or blood group like claim 8,9 or 10 described contactless identity identification methods.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110170870A CN102306265A (en) | 2006-08-23 | 2006-08-23 | Contactless value storing device and contactless identity differentiating method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110170870A CN102306265A (en) | 2006-08-23 | 2006-08-23 | Contactless value storing device and contactless identity differentiating method |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2006101150567A Division CN101131737B (en) | 2006-08-23 | 2006-08-23 | Non-contact credit card and debit card and non-contact trading method thereof |
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| CN102306265A true CN102306265A (en) | 2012-01-04 |
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| CN201110170870A Pending CN102306265A (en) | 2006-08-23 | 2006-08-23 | Contactless value storing device and contactless identity differentiating method |
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| CN1472698A (en) * | 2002-05-20 | 2004-02-04 | 奎德诺威申有限公司 | Non-contact transaction card and adaptor thereof |
| CN1623168A (en) * | 2002-03-11 | 2005-06-01 | 阿鲁策株式会社 | IC card and card reader |
| CN1759414A (en) * | 2003-03-07 | 2006-04-12 | 比特瓦雷特股份有限公司 | Mobile terminal device and providing server program |
| CN1780208A (en) * | 2004-11-19 | 2006-05-31 | 英业达股份有限公司 | Identifying device and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1119774A (en) * | 1994-06-21 | 1996-04-03 | 索尼化学株式会社 | Non-contacting information card |
| CN1305176A (en) * | 2001-03-02 | 2001-07-25 | 中国科学院上海冶金研究所 | Non-contact miniaturized intelligent IC card |
| CN1623168A (en) * | 2002-03-11 | 2005-06-01 | 阿鲁策株式会社 | IC card and card reader |
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Application publication date: 20120104 |