CN102567770B - A kind of smart card and a kind of POS terminal - Google Patents
A kind of smart card and a kind of POS terminal Download PDFInfo
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- CN102567770B CN102567770B CN201010619702.XA CN201010619702A CN102567770B CN 102567770 B CN102567770 B CN 102567770B CN 201010619702 A CN201010619702 A CN 201010619702A CN 102567770 B CN102567770 B CN 102567770B
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Abstract
The invention discloses a kind of smart card, comprising: first interface, the main control chip being built-in with the business software realizing POS terminal function and radio frequency chip; Described radio frequency chip is used for setting up the wireless communication with user RFID radio-frequency card under the control of described main control chip; Described main control chip for controlling described radio frequency chip transmitting-receiving transaction data, and completes the transaction flow with user RFID radio-frequency card by the built-in business software realizing POS terminal function; Described smart card is by described first interface and external equipment interaction data.Described smart card also comprises IC business chip.When IC business chip is SIM cards of mobile phones chip, substitute the SIM card of former mobile phone with the smart card in the present invention, mobile phone terminal can realize POS terminal function, facilitates the deployment of POS terminal and reduces the cost of deployment; Owing to realizing the software design patterns of POS function on smart cards, facilitate the upgrading of software.
Description
Technical field
The present invention relates to small amount payment field, particularly relate to a kind of smart card and a kind of POS terminal.
Background technology
Tradition small amount payment system mainly contains three part compositions: card, POS terminal, background system.Communication mode between card and POS terminal adopts Non-contact radio-frequency communication mode.Card is contact type intelligent card, and for user holds, POS terminal runs service processing software, is the direct interface that user and system occur to conclude the business.
At present, the application that the RFID-SIM in mobile phone is stuck in small amount payment field has obtained good development.Application in small amount payment is stuck in order to promote RFID-SIM better, the configuration of corresponding establishment also should be synchronously perfect, but current situation is really not so, be short of with the matching used POS terminal of RFID-SIM card quantity in the market, the effect promoting mobile-phone payment business can not be played.And the POS terminal great majority that market is widely applied do not possess the ability that noncontact is swiped the card.For supporting noncontact function of swiping card, needing on the one hand to increase radio frequency card reading equipment to POS terminal, revising POS business software simultaneously.On the other hand, on market, existing POS terminal is from a lot of equipment manufacturer, therefore needs different manufacturers support, increases upgrading complexity further.In addition, for the trade company needing newly-increased POS terminal, its cost also becomes the key factor that each trade company considers.
The quantity that POS terminal is disposed and distribution, can be directly connected to the convenience that card user uses, and therefore POS terminal deployment is the major issue of promoting service and application, and the difficulty of existing POS terminal upgrading also becomes its widely used bottleneck.
A kind of mobile phone intelligent card with twireless radio-frequency communication function and supporting peripheral processor is disclosed in Chinese patent " a kind of mobile phone intelligent card with twireless radio-frequency communication function and supporting peripheral processor " (its publication number is: CN1773528), it specifically discloses by the SIM/UIM card in mobile phone is replaced with smart card to realize the function of mobile phone small payment, and the problem of POS terminal lazy weight and software upgrading difficulty in unresolved prior art.
Disclose a kind of mobile terminal being supported electronic wallet application by SIM card in Chinese patent " a kind of mobile terminal by SIM card support electronic wallet application " (its Authorization Notice No. is: CN100534237), wherein specifically disclose by adopting double-interface SIM card and increase an application software for the stored value card of penny ante in mobile phone in new SIM card.That mobile phone terminal is used as stored value card equally, and the problem of POS terminal quantity and software upgrading difficulty in unresolved prior art.
Summary of the invention
The main technical problem to be solved in the present invention is, for the problem of POS terminal deployment and software upgrading difficulty thereof in prior art, provides a kind of smart card, and provides a kind of POS terminal comprising this smart card, facilitate the deployment of POS terminal and the upgrading of software.
For this reason, according to an aspect of the present invention, the invention provides a kind of smart card, described smart card comprises: first interface, the main control chip being built-in with the business software realizing POS terminal function and radio frequency chip; Described radio frequency chip is used for setting up the wireless communication with user RFID radio-frequency card under the control of described main control chip; Described main control chip for controlling described radio frequency chip transmitting-receiving transaction data, and completes the transaction flow with user RFID radio-frequency card by the built-in business software realizing POS terminal function; Described smart card is by described first interface and external equipment interaction data.
Further, in one embodiment, described smart card also comprises IC business chip, IC business chip is connected with main control chip, and IC business chip is also connected with first interface, IC business chip is by described main control chip and the first interface business information relevant to external equipment mutual IC business chip.
Further, in another embodiment, described smart card also comprises IC business chip, and IC business chip is connected with main control chip, first interface is arranged on IC business chip, and IC business chip is by the relevant business information of first interface and external equipment mutual IC business chip.
In one embodiment, described IC business chip is SIM cards of mobile phones chip/UIM the core of the card sheet or PSAM the core of the card sheet.
In one embodiment, described first interface is ISO7816 interface.
According to another aspect of the present invention, provide a kind of POS terminal, comprise terminal body and smart card mentioned above, described terminal body is provided with the second interface, described smart card is connected with terminal body by first interface and the second interface.
Further, described terminal body comprises display module.
Further, described terminal body comprises MIM message input module.
In one embodiment, described POS terminal is mobile phone terminal.
The invention has the beneficial effects as follows: the business software in POS terminal is integrated into one independently on smart card, and machine integrated radio frequency chip provides twireless radio-frequency communication function on card, achieve the read-write capability to user RFID radio-frequency card, possess noncontact to swipe the card ability, achieve separation between machine and card, and facilitate the upgrading of business software, quick upgrading and the deployment of POS can be realized in small amount payment field.
Accompanying drawing explanation
Fig. 1 is the structural representation of smart card core part in the present invention;
Fig. 2 is the structural drawing of smart card in an embodiment of the present invention;
Fig. 3 is the structural drawing of smart card in the another kind of embodiment of the present invention;
Fig. 4 is the structural drawing of smart card in the another kind of embodiment of the present invention;
Fig. 5 is the structural drawing of smart card in the another kind of embodiment of the present invention;
Fig. 6 is the process flow diagram of smart card work in the present invention.
Embodiment
By reference to the accompanying drawings the present invention is described in further detail below by embodiment.
Please refer to Fig. 1, it is the basic framework of the present invention's design shown in figure, comprise main control chip, radio frequency chip, described main control chip is built-in with the business software realizing POS terminal function, described radio frequency chip for receiving and send the radio frequency signal produced by described main control chip, and sets up the wireless communication with user RFID radio-frequency card under the control of described main control chip; Described main control chip for controlling described radio frequency chip transmitting-receiving transaction data, and completes the transaction flow with user RFID radio-frequency card by the built-in business software realizing POS terminal function; Described smart card is by described first interface and external equipment interaction data.In one embodiment, described first interface is ISO7816 interface.Main control chip runs the business software realizing POS terminal function, perform the instruction as POS terminal.In one embodiment, directly the Intelligent card package with main control chip, radio frequency chip shown in figure is made an IC-card on card base.Certainly wherein main control chip is still connected with radio frequency chip, and in one embodiment, main control chip and terminal called with ISO7816 interface be connected.Described IC-card is applicable to the POS terminal with IC-card slot.When user uses radio-frequency card to swipe the card, this IC-card is inserted in slot, the environment of non-contact transaction is provided.When using Contact Type Ic Card to conclude the business for user, extract autonomous Intelligent Service card, insert the transaction of user's IC-card, do not affect the trade mode of original POS.Such as, taxi POS terminal is transformed into the POS terminal supporting that radio-frequency card is swiped the card.Owing to taxi POS terminal there being one, for the slot of taxi driver individual IC-card, every day, the transaction record of POS terminal will be deposited on card, then by taxi driver to designated terminal import system.For this situation, make taxi driver individual IC-card into upgrading that an IC of the present invention just can complete former POS terminal smoothly.
Please refer to Fig. 2, smart card shown in figure also can comprise IC business chip, and described IC business chip is connected with main control chip.Wherein IC business chip refers to the chip be originally inserted in certain terminal in smart card.Chip in chip such as, in mobile phone in SIM card, UIM card, and the chip etc. in PSAM card in existing POS terminal.In smart card of the present invention, why add IC business chip, be the inherent function in order to not change original terminal when carrying out POS function distributing to original terminal.Such as, when adopting the smart card in the present invention in the SIM card draw-in groove of mobile phone, do not change the original function can carrying out communicating of mobile phone; When adopting the smart card in the present invention in the PSAM card slot of POS terminal, do not change original PSAM card function.When carrying out the business information relevant to described IC business chip from first interface transmission, described business information is passed through IC business chip by described main control chip.Certainly, mobile phone terminal or other prepare be used as POS terminal terminal device on design a draw-in groove being specifically designed to smart card in the present invention be also feasible.
Please refer to Fig. 3, alternatively, IC business chip is connected with first interface, and then is connected with terminal, and the information of main control chip and terminal room passes through IC business chip and transmits.For convenience of description, to be all connected with main control chip for first interface in following examples and to be described.
Please refer to Fig. 4, is the structural representation of the smart card when IC business chip is SIM cards of mobile phones chip shown in figure.Above mentioned terminal is the terminal be associated with IC business chip, and in the present embodiment, the terminal be associated with IC business chip is mobile phone terminal, and IC business chip is SIM cards of mobile phones chip; Intelligent card package becomes SIM card shape, inserts SIM cards of mobile phones slot.Namely mobile phone terminal now can be used as POS terminal machine.POS terminal machine is not had for those, and wish the trade company supporting now more and more flourish radio-frequency card payment, as long as mobile phone can be converted to the POS terminal machine that is supported contactless small amount payment by the smart card be replaced by by existing common SIM cards in the present invention.Below by the principle of work of this smart card of specific descriptions in mobile phone:
First, be that the smart card of SIM card chip puts into SIM cards of mobile phones draw-in groove by IC business chip.Mobile phone terminal by the ISO7816 interface that main control chip is arranged be described main control chip, radio frequency chip and SIM card chip provide power supply support, ensures that it normally works.When consumer holds radio-frequency card consumption, during the mobile phone terminal that radio-frequency card uses as POS terminal machine near trade company, radio-frequency card described in the radio frequency chip identification in mobile phone intelligent card also sets up the communication channel between described radio-frequency card and main control chip simultaneously.Main control chip calls the dependent instruction in its business software, for trade company provides amount of money inputting interface, after trade company confirms input, main control chip again sends the amount of money and confirms instruction and transfer to radio-frequency card card holder to confirm by trade company, confirm successfully, transaction completes, and sets up a consumer record, is kept in described main control chip.Further, if radio-frequency card card holder needs to input password, can the dependent instruction in business software be called by main control chip and be inputted by cell phone keyboard equally.Above, the mobile phone comprising smart card in the present invention as the POS terminal easily of a movement, can accelerate the deployment of POS terminal widely, and farthest reduces the cost that trade company disposes POS terminal.In addition, in the present invention, the use of smart card can not affect the realization of mobile phone original function completely.When mobile phone terminal uses the function such as phone or short message, business information is passed through SIM card chip by the first interface that is connected with main control chip and main control chip by mobile phone terminal, SIM card chip processes these business, does not affect the normal use of mobile phone completely.Certainly, mobile phone UIM card is suitable for the scheme of this example equally.
In the present embodiment, be the shape of SIM cards of mobile phones by smart card designs, load in mobile phone, this mobile phone terminal can realize the function of POS terminal.Do not change original design of mobile phone, do not affect the normal use of mobile phone.
Please refer to Fig. 5, is the structural representation of the smart card when described IC business chip is PSAM the core of the card sheet shown in figure.This Intelligent card package becomes PSAM card shape, can insert the PSAM slot of POS.The terminal be associated with IC business chip is in the present embodiment POS terminal machine.It should be noted that, the POS terminal machine in the present embodiment is existingly do not support contactless POS terminal machine of swiping the card.And the function that PSAM the core of the card sheet wherein provides is identical with the PSAM card function of existing POS terminal.Therefore, when this smart card is inserted existing POS terminal, only need to adopt PSAM draw-in groove to power, utilize display and the keyboard of POS, just can support that user's radio-frequency card carries out small amount payment, and not affect the original function of existing POS terminal.Because the structure of smart card in the present embodiment is identical with the structure in above-described embodiment, its principle of work is also identical, no longer does repeated description at this.Adopt the smart card in the present embodiment, can not support that the POS terminal of small amount payment is upgraded in a large number on market rapidly, complete the rapid deployment of small amount payment POS terminal, and the POS terminal after upgrading can realize the function of original POS terminal equally, has greatly saved the cost transformed POS terminal.
Please refer to Fig. 6, for smart card in an embodiment of the present invention realizes the process flow diagram of POS function on associated terminal described in figure.Its specific works flow process is as follows:
1) main control chip powers on, and starts and realizes POS terminal function service software;
2) radio frequency chip powers on, and starts;
3) radio frequency chip detects that user RFID radio-frequency card is within the scope of communication coverage, produces the look-at-me for triggering main control chip;
4), after main control chip receives the look-at-me of radio frequency chip transmission, send link establishment message to radio frequency chip, after being modulated by radio frequency chip, be wirelessly transmitted to user RFID radio-frequency card.
5) user RFID radio-frequency card responds link establishment response message, and is wirelessly transmitted to radio frequency chip, is sent to main control chip by after radio frequency chip demodulation.
6) carry out identifying procedure between main control chip and user RFID radio-frequency card, after authentication success, set up the radio communication channel communicated with user RFID radio-frequency card;
7) business software main control chip program run, completes and APDU instruction interaction flow process between user RFID radio-frequency card, thus completes transaction flow.In addition, in some cases, main control chip and user RFID radio-frequency card carry out in the process of command interaction, need with IC business chip mutual, and such as the situation of integrated PSAM card, main control chip needs to complete relevant interaction flow to PSAM card.
It should be noted that, above mentioned ISO7816 interface is the interface meeting ISO7816 standard.Above the way of described embodiment is all that main control chip and radio frequency chip are encapsulated in original comprising in the card of IC business chip.Alternatively, also main control chip and radio frequency chip can be packaged together, become the shape of a pasting card, be attached on the card of integrated IC business chip, such as independently SIM card, PSAM card etc.Specifically, this pasting card has the interface of inside and outside both sides, and outside becomes exterior I SO7816 interface shape with the interface encapsulation of peripheral communication.The part that inner side contacts with SIM card or PSAM card is protruded in the mode of salient point by the pin of ISO7816 interface, and corresponding pin contact when both stick, namely both sides can be communicated by ISO7816 interface.
The present invention also provides a kind of POS terminal, and described POS terminal comprises terminal body and above-mentioned smart card, terminal body is provided with the second interface, and described smart card is connected with described terminal body by first interface and described second interface.Terminal body is also provided with display module and MIM message input module.In one embodiment, described POS terminal is mobile phone terminal, and described display module is mobile phone screen, and described MIM message input module is cell phone keyboard.
The present invention, by the chip of the Integrated Simulation to smart card that realize POS terminal function, facilitates the upgrading of POS terminal; And the smart card in the present invention is inserted in the PSAM card draw-in groove in SIM cards of mobile phones draw-in groove, mobile phone UIM card draw-in groove, existing POS terminal, the POS function supporting small amount payment can be added on corresponding terminal, complete the deployment of POS terminal fast and without the need to changing the original hardware design of terminal, greatly having saved and having disposed the cost required for terminal supporting small amount payment.
Above content is in conjunction with concrete embodiment further description made for the present invention, can not assert that specific embodiment of the invention is confined to these explanations.For general technical staff of the technical field of the invention, without departing from the inventive concept of the premise, some simple deduction or replace can also be made, all should be considered as belonging to protection scope of the present invention.
Claims (9)
1. a smart card, is characterized in that, comprising: first interface, the main control chip being built-in with the business software realizing POS terminal function and radio frequency chip; Described radio frequency chip is used for setting up the wireless communication with user RFID radio-frequency card under the control of described main control chip; Described main control chip for controlling described radio frequency chip transmitting-receiving transaction data, and completes the transaction flow with user RFID radio-frequency card by the built-in business software realizing POS terminal function; Described smart card is by described first interface and external equipment interaction data; Also comprise IC business chip, described IC business chip is connected with described main control chip.
2. smart card as claimed in claim 1, it is characterized in that, described main control chip is connected with described first interface, and described IC business chip is by described main control chip and the described first interface business information relevant to external equipment mutual IC business chip.
3. smart card as claimed in claim 1, it is characterized in that, described IC business chip is also connected with described first interface, and described IC business chip is by the relevant business information of described first interface and external equipment mutual IC business chip.
4. smart card as claimed in claim 2 or claim 3, it is characterized in that, described IC business chip is SIM cards of mobile phones chip/UIM the core of the card sheet or PSAM the core of the card sheet.
5. smart card as claimed in claim 1, it is characterized in that, described first interface is ISO7816 interface.
6. a POS terminal, it is characterized in that, comprise terminal body and the smart card described in any one of claim 1-5, described terminal body is provided with the second interface, described smart card is connected with described terminal body by described first interface and described second interface.
7. POS terminal as claimed in claim 6, it is characterized in that, described terminal body comprises display module.
8. POS terminal as claimed in claims 6 or 7, it is characterized in that, described terminal body comprises MIM message input module.
9. POS terminal as claimed in claim 6, it is characterized in that, described POS terminal is mobile phone.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010619702.XA CN102567770B (en) | 2010-12-31 | 2010-12-31 | A kind of smart card and a kind of POS terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201010619702.XA CN102567770B (en) | 2010-12-31 | 2010-12-31 | A kind of smart card and a kind of POS terminal |
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| CN102567770A CN102567770A (en) | 2012-07-11 |
| CN102567770B true CN102567770B (en) | 2015-10-28 |
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Families Citing this family (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全系统有限公司 | Mobile payment system and mobile payment implementation method |
| CN104683100B (en) * | 2013-11-26 | 2019-04-19 | 中国移动通信集团公司 | A kind of electronic data processing method and equipment |
| CN104951936A (en) * | 2014-03-26 | 2015-09-30 | 北京同方微电子有限公司 | Cell phone card swiping device and card swipe transaction method thereof |
| CN105761077A (en) * | 2016-02-04 | 2016-07-13 | 操明立 | Intelligent card, mobile terminal, and network transaction method and system |
| CN106570697B (en) * | 2016-10-31 | 2020-01-10 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device and security authentication tool |
| CN115866125A (en) * | 2022-11-23 | 2023-03-28 | 东信和平科技股份有限公司 | SIM card swiping and screen flipping method and system and storage medium |
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| KR100738923B1 (en) * | 2006-04-24 | 2007-07-12 | 에스케이 텔레콤주식회사 | Smart card having zigbee module in financial settlement module or subscriber identification module and mobile communication terminal having same |
| CN101567109A (en) * | 2009-06-03 | 2009-10-28 | 普天信息技术研究院有限公司 | Device integrating payment and gathering functions, system and trade method |
| CN201556225U (en) * | 2009-12-17 | 2010-08-18 | 北京握奇数据系统有限公司 | Multi-chip intelligent card |
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| KR100738923B1 (en) * | 2006-04-24 | 2007-07-12 | 에스케이 텔레콤주식회사 | Smart card having zigbee module in financial settlement module or subscriber identification module and mobile communication terminal having same |
| CN101567109A (en) * | 2009-06-03 | 2009-10-28 | 普天信息技术研究院有限公司 | Device integrating payment and gathering functions, system and trade method |
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