CN102693480B - Mobile terminal with read card function and mobile terminal payment method - Google Patents

Abstract

The invention discloses a mobile terminal with a card reading function for reading smart card information, characterized in that the terminal is provided with a smart card reading module, and the card reading module is connected to a general mobile terminal platform through a serial communication port Read and write operations on the smart card on the processor. With the increase of the issuance of smart cards, the user can read the smart cards held by the mobile terminal with the card reading function, thereby solving the problem of inconvenient use of the USB key.

Description

Mobile terminal with card reading function and mobile terminal payment method

technical field

The invention relates to a mobile terminal with a card reading function and a payment method using the mobile terminal.

Background technique

With the development of e-commerce, online transactions are becoming more and more popular. Therefore, the security requirements for network transactions are also getting higher and higher. Major banks have launched various U-keys to ensure the security of online banking transactions.

The current practice has the following disadvantages:

(1): Inconvenient to carry: each bank has its own U-key, and it is inconvenient to carry multiple U-keys when going out;

(2): You must have a PC to use U-key for safe online transactions;

(3): The cost of U-Key is higher than that of ordinary smart cards, and the bank also needs to issue U-Key when issuing smart cards, which increases the cost of operation and maintenance;

At present, bank card media is in the transition stage from magnetic stripe cards to smart cards. Magnetic stripe cards do not have security features, but smart cards themselves have security features in principle, and can support functions such as secure identity authentication and digital signatures, making bank smart cards fully equipped. The function of U-shield can be used for online payment, but currently many mobile terminals do not support the function of reading and writing smart cards.

Contents of the invention

The purpose of the present invention is to provide a mobile terminal with card reading function, which can directly read and write the information in the smart card through wired or wireless mode, so as to solve the problem that the mobile terminal cannot read and write the smart card.

In order to achieve the above object, the present invention adopts the following technical solutions: a mobile terminal with a card reading function for reading smart card information, characterized in that the terminal is provided with a smart card reading module, and the card reading module passes The line communication port is connected to the processor of the universal mobile terminal platform, and the smart card is read and written.

In particular, the card reading module includes a contact smart card holder, a contact smart card control chip, and a dedicated processor electrically connected to the contact smart card control chip. The smart card communicates with the card reading module through an ISO7816 interface.

Specifically, the card reading module includes a radio frequency antenna, a radio frequency card control chip connected to the radio frequency antenna, and a dedicated processor connected to the radio frequency card control chip, and the card reading module reads and writes the smart card through the radio frequency antenna.

In particular, the smart card is a bank card, which stores the cardholder's account information.

In particular, the card reading module also includes card reading firmware, which is used to accept commands from the processor of the universal mobile terminal platform, and realize the read and write operations on the smart card.

In particular, the length of the smart card is greater than the depth of the deck, and the smart card is electrically connected to the smart deck through a communication contact.

In particular, the mobile terminal is provided with a memory for storing the driver program of the card reading module.

The present invention also discloses a mobile terminal payment method, which uses the above-mentioned mobile terminal with a card reading function, and is characterized in that the method includes the following steps:

S1. Run the online banking client software on the host computer;

S2. Run the U-key component in the mobile terminal, and read the digital certificate and private key stored in the smart card for identifying the user's identity through the mobile terminal, and the smart card has a logical encryption operation function;

S2. Send the above information to the above host;

The S3 host sends the above information to the online banking server, uses the smart card logic encryption operation function to verify whether the user identity is legal between the server and the smart card, and the online banking server stores a server certificate and a server private key;

S4. If it is a legitimate user, the online banking login is successful, and a transaction request message is sent to the corresponding bank platform through the host; if the verification result in step S4 is illegal, then end;

S5. The bank platform processes the transaction request information and returns the processing result.

In particular, the smart card is a bank card.

In particular, the mobile terminal is a mobile phone or a tablet computer or a POS machine.

Beneficial effect:

With the increase of smart card issuance, users can read and write the smart card held by the mobile terminal with card reading function, thereby solving the problem that the mobile terminal does not support reading and writing of smart cards, and expanding the application of the mobile terminal; at the same time The mobile terminal payment method disclosed by the invention implants the function of the existing U-shield into the smart card, reads the information in the smart card through the mobile terminal, and realizes user identity verification, thereby replacing the U-shield to complete the online banking transaction function, and reducing bank issuance and operating costs , and improve user convenience.

Description of drawings

Fig. 1 shows the principle structural diagram of the mobile terminal with card reading function of the embodiment of the present invention;

Fig. 2 shows the functional block diagram of the card reading module in the mobile terminal with the card reading function of the embodiment of the present invention;

FIG. 3 is a flow chart of a mobile terminal payment method according to an embodiment of the present invention.

Detailed ways

In order to describe the technical content, structural features, achieved goals and effects of the present invention in detail, the following will be described in detail in conjunction with the embodiments and accompanying drawings.

The mobile terminal in the following embodiments takes a mobile phone as an example to describe a mobile terminal with a card reading function in detail, but is not limited thereto, and the mobile terminal may also include a tablet computer, a POS machine, and the like.

Please refer to Figure 1, a mobile phone with a card reading function for reading and writing smart card information, the terminal is provided with a smart card reading module, the memory of the mobile terminal is stored with the driver of the card reading module, the reading The card module is connected to the processor of the universal mobile terminal platform through the serial communication port, and reads and writes the smart card.

As an embodiment, the card reading module includes a contact smart card holder, a contact smart card control chip, and a dedicated processor electrically connected to the contact smart card control chip, and the smart card communicates with the card reading module through an ISO7816 interface .

The mobile phone itself has an application processor, which is responsible for completing various functions required by the mobile phone and controlling various peripherals related to the mobile phone, including: display, key/touch, memory, wireless module, camera, WIFI/Bluetooth, etc. In addition, the application processor communicates with the special processor, so that the application program running on the application processor can operate the smart card; the above special processor completes the operation of the contact and non-contact smart cards according to the requirements of the application processor, and Return the result to the application processor. The dedicated processor completes the operation of the contact smart card through the contact smart card control chip and card holder. The contact smart card control chip is connected to the contact smart card with the ISO7816 interface through the card socket. It is responsible for packaging the hardware timing and the underlying communication protocol, thereby reducing the workload of running firmware on the dedicated processor and the dependence on timing.

In this embodiment, the length of the smart card is greater than the depth of the deck, and the smart card is electrically connected to the smart deck through communication contacts.

Of course, the above-mentioned card reading module can also read non-contact smart cards, and the card reading module includes a radio frequency antenna, a radio frequency card control chip connected to the radio frequency antenna, and a dedicated processor connected to the radio frequency card control card chip. The radio frequency card control chip communicates with the contactless smart card through the radio frequency antenna and the ISO14443 A&B interface. It is responsible for radio frequency modulation and demodulation of the communication data of the contactless smart card, and encapsulates the underlying communication protocol, thereby reducing the need for firmware running on the dedicated processor. workload and dependence on timing.

Since banks are gradually adopting smart cards at present, the above-mentioned smart cards can also be bank cards, which store the account information of the cardholder.

In summary, the present invention is based on the improvement of the general mobile phone platform, adding a card reading module, which is a hardware module embedded in the terminal, connected to the processor of the general mobile phone platform through the serial communication port, Access to contact or contactless smart cards can be achieved.

Please refer to FIG. 2 , in the card reading hardware module, card reading firmware is stored, which is used to receive commands from the processor of the general mobile phone platform, send back responses, and realize the operation of contact/contactless smart cards. On the common mobile phone platform, there are also related underlying software modules for communicating with the card reader module, so as to provide access interfaces to these contact smart cards and contactless smart cards for mobile phone applications.

In this embodiment, the mobile phone implements the function of a card reader, and by reading smart cards with various interfaces, it supports application payment embedded in smart cards and payment applications based on client software.

Please refer to FIG. 3 , which is a flowchart of an embodiment of the present invention using a mobile phone for payment. The payment method also involves a bank smart card with a logical encryption operation function and a digital certificate storage function. The smart card stores a digital certificate and a private key for identifying the user's identity, and a host computer with a client software installed and a wireless communication function. The banking platform system that communicates with the host computer through the network. This payment method includes the following steps:

S1. Run the online banking client software on the host computer;

S2. Run the U-key component in the mobile terminal, and read the digital certificate and private key stored in the smart card for identifying the user's identity through the mobile terminal, and the smart card has a logical encryption operation function;

S2. Send the above information to the above host;

The S3 host sends the above information to the online banking server, uses the smart card logic encryption operation function to verify whether the user identity is legal between the server and the smart card, and the online banking server stores a server certificate and a server private key;

S4. If it is a legitimate user, the online banking login is successful, and a transaction request message is sent to the corresponding bank platform through the host; if the verification result in step S4 is illegal, then end;

S5. The bank platform processes the transaction request information and returns the processing result.

The present invention has the following advantages:

Smart cards will follow the EMV migration and will gradually replace traditional magnetic stripe cards as mainstream financial card applications. Therefore, banks will issue a large number of financial smart cards in the future. On the basis of the original financial card functions, they will store customer digital certificates and private keys, and use smart cards for logical encryption. Computing functions, coupled with the small size of the smart card, the smart card will gradually replace the USB KEY function.

Existing USB KEY products have a large volume and power consumption, and require additional USB interfaces, casings, etc., resulting in high production costs, while smart cards have mature card processing technology due to the small size of the processing chip, and the processing cost of the plastic body is low, which will reduce the price of smart card chips. Better than USB KEY module.

Because banks generally issue smart cards to customers as financial cards, only on the basis of the original financial smart card, add digital certificate storage and software interface, no need to issue USB KEY repeatedly, reduce the bank's issuance workload, and save the need to issue USB KEY Material cost, labor cost, management cost, etc., and ultimately save the user's cost.

The above is only an embodiment of the present invention, and does not limit the patent scope of the present invention. Any equivalent structure or equivalent process transformation made by using the description of the present invention and the contents of the accompanying drawings, or directly or indirectly used in other related technologies fields, all of which are equally included in the scope of patent protection of the present invention.

Claims (8)

1. A mobile terminal with card reading function for reading and writing smart card information, characterized in that, the mobile terminal is provided with a smart card reading module, and the card reading module is connected to the general mobile terminal platform through a serial communication port Read and write operations on the smart card on the processor; The card reading module includes a contact smart card holder, a contact smart card control chip, and a dedicated processor electrically connected to the contact smart card control chip, and the smart card communicates with the card reading module through an ISO7816 interface; The card reading module includes a radio frequency antenna, a radio frequency card control chip connected to the radio frequency antenna and a special processor connected to the radio frequency card control chip, and the card reading module reads and writes the smart card through the radio frequency antenna. 2 . The mobile terminal with card reading function according to claim 1 , wherein the smart card is a bank card and stores the account information of the cardholder. 3 . 3. The mobile terminal with card-reading function according to claim 1, characterized in that, the card-reading module also includes card-reading firmware, which is used to accept the order of the processor of the Universal Mobile Terminal Platform, and realize the smart card read and write operations. 4. The mobile terminal with card reading function according to claim 1, wherein the length of the smart card is greater than the depth of the card holder, and the smart card is electrically connected to the smart card holder through a communication contact. 5 . The mobile terminal with card reading function according to claim 1 , wherein a memory is provided in the mobile terminal to store the driver program of the card reading module. 6 . 6. A mobile terminal payment method, using the mobile terminal with card reading function described in any one of claims 1-4, characterized in that the method comprises the following steps: S1. Run the online banking client software on the host computer; S2. Run the U-key component in the mobile terminal, and read the digital certificate and private key stored in the smart card for identifying the user's identity through the mobile terminal, and the smart card has a logical encryption operation function; S2. Send the above information to the above host; The S3 host sends the above information to the online banking server, uses the smart card logic encryption operation function to verify whether the user identity is legal between the server and the smart card, and the online banking server stores a server certificate and a server private key; S4. If it is a legal user, the online banking login is successful, and a transaction request message is sent to the corresponding bank platform through the host computer; if the verification result in step S4 is illegal, then end; S5. The bank platform processes the transaction request information and returns the processing result. 7. The mobile terminal payment method according to claim 6, wherein the smart card is a bank card. 8. A mobile terminal payment method according to claim 6, wherein the mobile terminal is a mobile phone or a tablet computer or a POS machine.