CN102810144A

CN102810144A - Method and device for distance-controllable mobile payment

Info

Publication number: CN102810144A
Application number: CN2011101436387A
Authority: CN
Inventors: 罗魏熙
Original assignee: Individual
Current assignee: Individual
Priority date: 2011-05-30
Filing date: 2011-05-30
Publication date: 2012-12-05
Anticipated expiration: 2031-05-30
Also published as: WO2012163118A1; CN102810144B

Abstract

The invention relates to a method and a device for distance-controllable mobile payment. The method includes measuring the magnetic field intensity (M2) of a first low-frequency (F2) radio signal sent from a multi-band card reader by a multi-band integrated circuit card; comparing to judge whether the measured magnetic field intensity (M2) of the first low-frequency (F2) radio signal is larger than the calibration starting magnetic field intensity threshold (Tm2); if so, determining the card-reading permission magnetic field threshold (M2gate) according to a very-low frequency (F3); judging whether the magnetic field intensity (M2) is higher than the magnetic field intensity threshold (M2gate) or not, and is so, executing mobile payment by the aid of a high frequency (F1) radio signal. The high frequency (F1) is higher than 80MHz, the first low frequency (F2) ranges from 2KHz to 50 KHz, and the very-low frequency (F3) ranges from 2Hz to 2KHz. The method and the device for distance-controllable mobile payment have the advantages that the card-reading permission magnetic field intensity threshold (M2gate) is set automatically, the set card reading distance is accurate, and safety in payment is guaranteed.

Description

Method of mobile payment and device that distance is controlled

Technical field the present invention relates to a kind of E-Payment technology, particularly relates to a kind of method and device that utilizes portable terminal to pay, and can be used in on-the-spot small amount payment field.

Background technology is along with mobile phone popularizes, and the business demand of mobile payment (being mainly mobile-phone payment) is very urgent.In the various application of mobile payment, wherein the convenience of the small amount payment of on-site payment receives user's welcome.The basic demand of moving small amount payment (generally using the standard of stored value card) is to use convenient and safety.One of convenience requirement of small amount payment is to accomplish delivery operation very quickly; In the use such as subway; Because people's current density is big, require to realize in 0.3 second the operation of deduction (or return) subway fare, accomplish delivery operation quickly and also make things convenient for the passenger to pass in and out lock; To avoid subway gate mouth to accumulate a large amount of passengers, practice thrift passenger's time.One of security requirement of small amount payment is; The consumer just can deduct the fee when having only Payment Card (or mobile phone) near pos machine safe distance with interior (in 10cm); The consumer can in time know the consumption number simultaneously; And can inquire about consumption record inventory at any time, to avoid the arbitrary imposition of fees problem afterwards.Use at present the mass transit card of 13.56MHzRFID scheme to be widely used in subway public transport etc., but also expose safety issue, such as, in the public transport payment, report has been arranged, in the public bus network that some individual contracts, there is ticket seller's charging problem that exceeds the quata.Owing to can't show toll amount on the present mass transit card, also can't inquire about the consumption inventory, and other querying method hell to pays.Thereby the ticket seller utilizes most of passenger never to see or do not see the defective that riding fee is used, the charge that exceeds the quata, even after deliberately the fee register display being blocked, charge again exceeds the quata.And the mobile phone of popularizing has LCDs and keyboard, can check payment inventry at any time, thereby the following small amount payment of realizing by mobile phone can be accomplished safety.

The a variety of mobile payment schemes that on mobile phone, realize have been arranged at present.Mainly be scheme and RF-sim (the Radio Frequency Sim) scheme of 13.56MHz.13.56MHz scheme mainly contain: NFC (Near Field Communication) scheme, simpass (Beijing Watch Data System Co., Ltd exploitation technical scheme) scheme, eNFC scheme (enhancement mode NFC) etc.These schemes respectively have relative merits.Such as: NFC solution security reliability is better, but needs the customization mobile phone, promotes the use of the cost height.The simpass scheme need not customize mobile phone, but reliability has problem, damages easily.The RF-sim scheme, need not change the also high but delivery operation of mobile phone, reliability apart from poor controllability, security has problem.Be stuck in the difference in the different terminals in order to solve RF-sim, Chinese patent CN101330334A discloses a kind of technology of using calibration, carries out Calibration Method before use at the terminal earlier and eliminates the difference that RF-sim is stuck in range observation when using in the various terminals.But, need use special calibrating installation during calibration, if after the user changes the terminal, before swiping the card, do not find calibrating installation just can't use.

Summary of the invention technical matters to be solved by this invention is that the distance for delivery operation does not need special calibrating installation, can calibrate the controlled method of mobile payment and the device of distance of delivery operation distance automatically.

The present invention solve the technical problem and can realize through adopting following technical scheme:

Propose the controlled method of mobile payment of a kind of distance, may further comprise the steps:

1. the multiband integrated circuit card in the portable terminal is near the multiband reader device, the first magnetic field intensity M2 of low frequency F2 radio signal very that measures that said multiband reader device sends;

2. the multiband integrated circuit card judges whether its inside has recorded one and allowed the magnetic field intensity threshold value M2gate that swipes the card; If record allows the magnetic field intensity threshold value M2gate that swipes the card, do not swipe the card;

If 3. multiband integrated circuit card inside does not record and allows the magnetic field intensity threshold value M2gate that swipes the card; The said first very magnetic field intensity M2 and the startup calibration magnetic field intensity thresholding Tm2 comparison of low frequency F2 radio signal that then said multiband integrated circuit card will record; If said first very the magnetic field intensity M2 of low frequency F2 radio signal when starting calibration magnetic field intensity thresholding Tm2; Then start the calibration flow process automatically; Promptly confirm to allow the magnetic field intensity threshold value M2gate that swipes the card, comprise step

A. multiband integrated circuit card and multiband reader device carry out authentication;

B. the multiband integrated circuit card is measured the magnetic field intensity M3 of the extremely low frequency F3 radio signal that the multiband reader device sends;

C. calculate and allow the magnetic field intensity threshold value M2gate that swipes the card; The magnetic field intensity threshold value M2gate that allows to swipe the card equals magnetic field intensity M3 that the average magnetic field intensity level M3ave in the extremely low frequency F3 radio signal that sets the distance of on average swiping the card that the multiband reader device sends deducts extremely low frequency F3 radio signal and adds the first magnetic field intensity M2 sum of low frequency F2 radio signal very that records, promptly

The average magnetic field intensity level M3ave of magnetic field intensity threshold value M2gate=extremely low frequency F3 radio signal

The magnetic field intensity M3 of-extremely low frequency F3 radio signal

+ the first magnetic field intensity M2 of low frequency F2 radio signal very;

4. the multiband integrated circuit card judge measured first very the magnetic field intensity M2 of low frequency F2 radio signal whether greater than the magnetic field intensity threshold value M2gate that allows to swipe the card;

If 5. measured first very the magnetic field intensity M2 of low frequency F2 radio signal is greater than the magnetic field intensity threshold value M2gate that allows to swipe the card, then multiband integrated circuit card and multiband reader device carry out authentication;

6. authentication is passed through, and carries out mobile payment by high frequency frequency F1 radio signal and swipes the card;

Said high frequency frequency F1 is greater than 80MHz, first very low frequency F2 at 2KHz between the 50KHz, extremely low frequency F3 at 2Hz between the 2KHz.

Step authentication 6. through after carry out before mobile payment swipes the card, the acceleration analysis processing module of multiband integrated circuit card is measured the acceleration of multiband integrated circuit card, action is confirmed in swiping the card of identification holder.

Said multiband integrated circuit card and multiband reader device carry out authentication and comprise step:

A. multiband integrated circuit card second radio signal of low frequency F4 very that receives that the multiband reader device sends comprises communicate by letter with multiband reader device numerical value and the identity information IDr of multiband reader device of high frequency frequency F1 of use of multiband integrated circuit card in this radio signal;

B. the very numerical value of the high frequency frequency F1 in the radio signal of low frequency F4 and the identity information IDr of multiband reader device of multiband integrated circuit card demodulating and decoding said second;

C. to send frequency be that the RI radio intelligence of high frequency frequency F1 is given the multiband reader device to the multiband integrated circuit card, request calibration flow process or mobile payment, and the RI radio intelligence of this high frequency frequency F1 comprises the identity information IDr of multiband reader device;

D. the multiband reader device receive RI radio intelligence and the checking identity information IDr wherein of this high frequency frequency F1 correct after, calibrate flow process between multiband integrated circuit card and the multiband reader device or mobile payment is swiped the card.

Be used to measure magnetic field intensity radio signal first very low frequency F2 and the radio signal that is used to communicate by letter second very low frequency F4 is identical.

Be used to measure magnetic field intensity radio signal first very low frequency F2 and the radio signal that is used to communicate by letter second very low frequency F4 is different, said second very low frequency F4 greater than the first low frequency F2 very.

First constant amplitude of the magnetic field intensity M3 of magnetic field intensity M2 and the extremely low frequency F3 radio signal of low frequency F2 radio signal very of said multiband reader device emission, amplitude is variation in time.

Design a kind of multiband reader device, comprise reader device control module, wireless receiving and dispatching processing module and interface circuit; Said wireless receiving and dispatching processing module comprises

High-frequency band transmitting-receiving processing sub is used to transmit and receive the radiofrequency signal of frequency greater than 80MHz;

Low frequency frequency range processing sub is used to launch the very low-frequency radio signal of 2KHz to 50KHz and the radio signal of launching very low-frequency portability data message of 2KHz to 150KHz; And

Extremely low frequency frequency range processing sub is used to launch the radio signal of the extremely low frequency of 2Hz to 2KHz.

Said high-frequency band transmitting-receiving processing sub comprises high frequency transmitting-receiving treatment circuit and high frequency antenna again; Said low frequency frequency range processing sub and extremely low frequency frequency range processing sub comprise again first very the magnetic field intensity signal of low frequency F2 generate digital signal processing module, second very the radio coding modulation of the low frequency F4 magnetic field intensity signal that generates digital signal processing module, extremely low frequency F3 generate digital signal processing module, low frequency and extremely low frequency D/A converter, low frequency and extremely low frequency driver and low frequency and extremely-low frequency antenna; Said low frequency and extremely low frequency driver are electrically connected with low frequency and extremely low frequency D/A converter and low frequency and extremely-low frequency antenna respectively, said first very the magnetic field intensity signal of low frequency F2 generate digital signal processing module, second very the radio coding modulation of the low frequency F4 magnetic field intensity signal that generates digital signal processing module, extremely low frequency F3 generate digital signal processing module and be electrically connected with low frequency and extremely low frequency D/A converter respectively.

Design a kind of multiband integrated circuit card; Cooperate the processing of carrying out radio signal with the multiband reader device; Comprise control module, wireless receiving and dispatching processing module, function of swiping card module and wireline interface; Said control module is electrically connected with wireless receiving and dispatching processing module, function of swiping card module and wireline interface respectively, and said wireless receiving and dispatching processing module comprises

High-frequency band transmitting-receiving processing sub transmitting-receiving frequency uses the radio of high frequency frequency F1 to carry out the exchange of two-way data message greater than the radiofrequency signal of 80MHz with the multiband reader device;

Low frequency frequency range processing sub; Radio signal and the demodulating and decoding data message wherein of the 2KHz to 150KHz of the very low-frequency wireless magnetic field intensity information of the 2KHz to 50KHz of reception multiband reader device emission and the emission of reception multiband reader device; And

Extremely low frequency frequency range processing sub receives the wireless magnetic field intensity information that the multiband reader device is launched the extremely low frequency of 2Hz to 2KHz.

Said multiband integrated circuit card also comprises the acceleration analysis processing module that is electrically connected with control module; This acceleration analysis processing module comprises acceleration treatment circuit and acceleration transducer; Be used to measure the acceleration of multiband integrated circuit card, action is confirmed in swiping the card of identification holder.

Said high-frequency band transmitting-receiving processing sub comprises high frequency transmitting-receiving treatment circuit and high frequency antenna again; Said low frequency frequency range processing sub and extremely low frequency frequency range processing sub comprise again first very the magnetic field intensity of low frequency F2 measure digital processing circuit, second very the wireless receiving digital processing circuit, the magnetic field intensity of extremely low frequency F3 of low frequency F4 measured digital processing circuit, low frequency and extremely low frequency A/D converter, low frequency and extremely low frequency amplifier and low frequency and extremely-low frequency antenna; Said low frequency and extremely low frequency amplifier are electrically connected with low frequency and extremely low frequency A/D converter and low frequency and extremely-low frequency antenna respectively, said first very the magnetic field intensity of low frequency F2 measure digital processing circuit, second very the magnetic field intensity of wireless receiving digital processing circuit, the extremely low frequency F3 of low frequency F4 measure digital processing circuit and be electrically connected with low frequency and extremely low frequency A/D converter respectively.

Compare with prior art; Technique effect of the present invention is: the distance setting that allows to swipe the card is at multiband integrated circuit card automatic setting during near the multiband reader device; Do not need special setting utility appliance, do not need the setting operation process of artificial special control; The distance of swiping the card of automatic setting is accurate, can guarantee safety of payment.

Description of drawings

Fig. 1 is that radius is the relative magnetic field strength that in free space, produces of the desirable coil of 3cm and relation curve (Theoretical Calculation) apart from x;

Fig. 2 is that radius is that 4cm, line directly are the enameled wire coil (see figure 3) of 0.3mm, 50 circles relative magnetic field strength and relation curve apart from x in the air that the simple harmonic wave electric current of different frequency produces; Magnetic field intensity apart from x=0cm is the 0db reference value under the corresponding test frequency, and magnetic field receiving sensor coil is the rectangle pcb coil (see figure 4) of 3 wide circles of long 15mm of 25mm;

Fig. 3 is that radius is the enameled wire coil of 4cm, line footpath 0.3mm, 50 circles;

Fig. 4 is the rectangle pcb coil of 3 wide circles of the long 15mm of 25mm;

Fig. 5 produces like the simple harmonic wave electric current of the enameled wire coil among Fig. 3 at different frequency; Relative magnetic field strength in model is the nokiaE50 mobile phone with apart from the relation curve of x; Apart from the magnetic field intensity of x=2cm is that (handset size is greater than coil dimension for 0db reference value under the corresponding test frequency; Mobile phone can not be positioned over the hub of a spool point, can only be positioned over the coil top), pcb coil as shown in Figure 4 is positioned over sim card position in the mobile phone;

Fig. 6 produces like the simple harmonic wave electric current of the enameled wire coil among Fig. 3 at different frequency; Relative magnetic field strength in model is the anycallS5230c mobile phone with apart from the relation curve of x; Apart from the magnetic field intensity of x=2cm is that (handset size is greater than coil dimension for 0db reference value under the corresponding test frequency; Mobile phone can not be positioned over the hub of a spool point, can only be positioned over the coil top), pcb coil as shown in Figure 4 is positioned over sim card position in the mobile phone;

Fig. 7 is that enameled wire coil as shown in Figure 3 produces at the simple harmonic wave electric current of different frequency; Relative magnetic field strength in model is the xdc5310 mobile phone with apart from the relation curve of x; Apart from the magnetic field intensity of x=2cm is that (handset size is greater than coil dimension for 0db reference value under the corresponding test frequency; Mobile phone can not be positioned over the hub of a spool point, can only be positioned over the coil top), pcb coil as shown in Figure 4 is positioned over sim card position in the mobile phone;

Fig. 8 is that enameled wire coil as shown in Figure 3 produces at the simple harmonic wave electric current of different frequency; Relative magnetic field strength in model is the motoV8 mobile phone with apart from the relation curve of x; Apart from the magnetic field intensity of x=2cm is that (handset size is greater than coil dimension for 0db reference value under the corresponding test frequency; Mobile phone can not be positioned over the hub of a spool point, can only be positioned over the coil top), magnetic field receiving sensor coil as shown in Figure 4 is positioned over sim card position in the mobile phone;

Fig. 9 is with respect to free space, the point in several locus, and the mobile phone of nokiaE50 influences the variable quantity curve to the simple harmonic wave magnetic field intensity of a plurality of frequencies;

Figure 10 is with respect to free space, the point in several locus, and the mobile phone of anycallS5230c influences the variable quantity curve to the simple harmonic wave magnetic field intensity of a plurality of frequencies;

Figure 11 is with respect to free space, the point in several locus, and the mobile phone of xdc5310 influences the variable quantity curve to the simple harmonic wave magnetic field intensity of a plurality of frequencies;

Figure 12 is with respect to free space, the point in several locus, and the mobile phone of motoV8 influences the variable quantity curve to the simple harmonic wave magnetic field intensity of a plurality of frequencies;

Figure 13 is the controlled used card-punching system block diagram of method of mobile payment of the present invention's distance;

Figure 14 is the functional-block diagram of multiband integrated circuit card of the present invention;

Figure 15 is the functional-block diagram of multiband reader device of the present invention;

Figure 16 is the functional-block diagram of said multiband integrated circuit card preferred embodiment;

Figure 17 is the functional-block diagram of said multiband reader device preferred embodiment;

Figure 18 is the process flow diagram of the controlled method of mobile payment of the present invention's distance.

Embodiment is done further to detail below in conjunction with the preferred embodiment shown in the accompanying drawing.

The definition of several nouns: integrated circuit card is meant and is packaged with integrated circuit in the card, in order to the electronic product of storage and deal with data.Integrated circuit card as herein described comprises following product: SD card (Secure Digital Memoty Card), mmc card (MultiMedia Card), memory stick (Memory Stick), SM card (SmartMedia), SIM (Subscriber Identity Module), usim card (UniversalSubscriber Identity Module), UIM card (User Identity Model).The multiband integrated circuit card is meant the integrated circuit card that the radio frequency band of use more than 3 or 3 and extraneous supporting multiband reader device carry out radio communication.Portable terminal: weight is light, can be from powered battery, be connected with regard to operable electronic equipment with other electronic equipments without cable.Portable terminal as herein described comprises following electronic equipment: MP3 player, handheld device, GPS, PDA (Personal Digital Assistant), digital camera, electronic dictionary, hand-held cashing machine etc.Swiping the card is the communication of integrated circuit card and reader device and the exchange process of data message, and establishment, the storage of data message in the integrated circuit card in the process, revise, read, verification, comparison, processing.As herein described swiping the card comprises the identity identifying and authenticating process that E-Payment is swiped the card and the gate inhibition swipes the card and blocks.The operation of swiping the card that the card-punching system of using the present invention to form realizes can guarantee only in the distance of safety, just can swipe the card through automatic calibration.

The ultimate principle that just can swipe the card in the distance that realizes requiring is:

The multiband reader device uses coil around it, to produce very low-frequency field signal, and far away more apart from the multiband reader device, magnetic field intensity is more little.Integrated circuit card is during near the multiband reader device, and distance is near more, and the magnetic field intensity that measures is strong more, the magnetic field intensity that distance more far measures more a little less than.Integrated circuit card is according to the distance of the magnetic field intensity judgement that records with the multiband reader device; Thereby according to the magnetic field intensity that records confirm with the multiband reader device whether in the distance that allows to swipe the card; If in the distance that requires, just allow to swipe the card, thus the security that assurance is swiped the card.This magnetic field must be very low-frequency magnetic field, if RF magnetic field, because frequency is very high, the relation between the distance of the decrease of the magnetic field intensity of certain point and multiband reader device increases on the space is unstable, and it is bigger to fluctuate.Particularly inner in different mobile terminals, although with the same distance of multiband reader device on, the inner high-frequency magnetic field intensity of different mobile terminals is widely different.The magnetic field intensity that the energising circular coil produces; Vertical line and hub of a spool point distance at hub of a spool are on the free space point of x; If the electric current of coil is I, coil turn is N, and coil radius is R; The magnetic field intensity that coil current produces is H (x), according to result's (method of Biot-Savart law and integral and calculating H (x) please refer to Theory of Electromagnetic Field) formula of Theory of Electromagnetic Field Biot-Savart law integral and calculating H (x) is:

H (x) = \frac{{NIR}^{2}}{{2 (x^{2} + R^{2})}^{3 / 2}}

It is thus clear that along with the increase apart from x, magnetic field intensity H (x) can reduce.

Calculating radius R=3cm, number of turn N=50, a coil current according to above-mentioned formula is the coil of 1A; In free space (minimum with the difference of free space in the air, it is identical can regarding as with free space), on the axis vertical with plane, coil place; With hub of a spool point distance be H (x) for the magnetic field intensity at x place; H (x) is along with reducing apart from the increase of x, change of magnetic field strength amount and relation curve apart from x, and Theoretical Calculation result is as shown in Figure 1.Among the figure transverse axis be measured point and hub of a spool apart from x, unit is cm, vertical pivot is the result that the db number of db number and the magnetic field intensity of ordering apart from x=ocm of the magnetic field intensity of this point subtracts each other, the db number of the magnetic field intensity of promptly ordering with respect to x=ocm.

By Theoretical Calculation; If coil current is not direct current but the simple harmonic wave alternating current of a certain fixed frequency; In fact whether the variation relation of its magnetic field intensity also should be as shown in Figure 1, like this? Following actual test result curve can draw some related conclusions.

Radius is about the enameled wire coil (see figure 3) of 4cm, line footpath 0.3mm, 50 circles under the simple harmonic wave excitation current of different frequency; The change of magnetic field strength amount of the simple harmonic wave that produces with see Fig. 2 (actual test result) apart from the relation curve of x; Magnetic field intensity apart from x=0cm is the 0db reference value under the corresponding test frequency; Magnetic field receiving sensor coil is that the shape of 3 wide circles of long 15mm of 25mm is roughly rectangular pcb coil (see figure 4); Transmitting coil is parallel with receiving coil during measurement, and the center of receiving coil is on the central axis of transmitting coil, and the centre distance of two coils is x.Visible by measured curve Fig. 2; The frequency that produces the electric current of coil in magnetic field is that 50Hz is under the condition of the simple harmonic wave electric current of 60KHz; Almost it doesn't matter for the relative variation db number of the magnetic field intensity in the air between the different spaces point and frequency, promptly apart from the magnetic field intensity at the spatial point place of x with respect to variable quantity and frequency-independent (50Hz is in the 60KHz frequency range) apart from the magnetic field intensity at 0cm point place.Can know that from the analysis of Theory of Electromagnetic Field when frequency was lower, this conclusion was still correct.But when frequency was very high, owing to the influence of distribution parameters such as distributed capacitance between the enameled wire coil in emission magnetic field, actual test result error can increase, and that is to say when frequency is very high, and the test result on the actual Project Realization has bigger error.X=2cm is with respect to the variable quantity (Fig. 2) at the x=0cm place big (see figure 1) of variable quantity than desirable coil in the curve; Its reason is that transmitting coil has thickness; Receiving coil neither be put coil; The nearest edge of the outer edge of receiving coil and transmitting coil is far smaller than the distance between desirable coil, so the actual magnetic field strength when x=0cm is much larger than the calculated value of desirable coil.So remaining, measured result meets Theory of Electromagnetic Field.The size (with respect to the magnetic field intensity at x=0cm place) of the change of magnetic field strength amount on the outer spatial point of transmitting coil axis also with frequency-independent (less than the simple harmonic wave electric current of 60KHz), this point also can draw from theoretical analysis.

If not in air, and inner at portable terminal, above conclusion also is in the main true.Fig. 5 is that mobile phone model is the test result curve of nokiaE50, and Fig. 6 is that mobile phone model is that test result curve, Fig. 7 of anycallS5230c is that mobile phone model is that test result curve, Fig. 8 of xdc5310 is that mobile phone model is the test result curve of motoV8.From Fig. 5 to Fig. 8, the mobile phone test result and the theoretical analysis of other models can draw to draw a conclusion:

Conclusion 1: use multiturn coil to excite the magnetic field intensity of generation; When the frequency of excitation current is the simple harmonic wave of very low-frequency certain frequency; Near the simple harmonic wave magnetic field that can produce same frequency on certain 2 position p1 and the p2 around the coil; If certain the point of fixity P3 in the portable terminal is moved to p1, p2 2 points, let P3 overlap with p1, p2 respectively, measure some P3 and p1, two magnetic field intensity H1 when p2 overlaps, H2 in this portable terminal respectively.The db value of the ratio of H1 and H2, for most of portable terminal, particularly most of mobile phone terminal, when particularly frequency is lower than 50KHz when the coil current frequency is very low, this ratio substantially constant, irrelevant basically with frequency, frequency is low more, and this ratio is stablized constant more.Visible from Fig. 7, be the mobile phone of xdc5310 for model, said ratio obviously is different from the situation of other low frequencies when frequency is 60KHz.

The magnetic field receiving coil of more several kinds of interior SIM positions of different mobile phones uses some low frequency frequency at same emission of magnetic field coil below, but the magnetic field strength characteristics that the same spatial point in the magnetic field that identical simple harmonic wave electric current excites receives.Be on the transmitting coil central shaft, to be the characteristic of magnetic field intensity of the spatial point of x among Fig. 9,10,11,12 with transmitting coil centre distance; Transmitting coil is that radius is the enameled wire coil (see figure 3) of 4cm, line footpath 0.3mm, 50 circles, and magnetic field receiving sensor coil is that 3 wide circle shapes of the long 15mm of 25mm are roughly rectangular pcb coil (see figure 4).The 0db RP of magnetic field intensity among the figure; Be when not having portable terminal; The magnetic field intensity of this spatial point is the 0db RP in the air; So, the value of vertical pivot then is on the curve: the variation of the magnetic field intensity when the same space point has portable terminal during with respect to free space also is the negative of the damping capacity db value of the magnetic field intensity that causes of portable terminal.From Fig. 9 to Figure 12, the mobile phone test result and the theoretical analysis of other models can draw to draw a conclusion:

Conclusion 2: for most of portable terminal; Particularly most of mobile phone terminal is when magnetic field produces simple harmonic wave power frequency that coil flows through when very low, when particularly frequency is less than 50KHz; Portable terminal is irrelevant basically to the damping capacity and the residing position of portable terminal of magnetic field intensity, only and frequency dependence.The low more damping capacity of frequency is more little, and frequency high attenuation more is big more.

From Fig. 9 to Figure 11, the mobile phone test result and the theoretical analysis of other models can draw to draw a conclusion:

Conclusion 3: when magnetic field produces simple harmonic wave power frequency that coil flows through when extremely low, during particularly less than 2KHz, portable terminal is to almost not decay of magnetic field intensity, and its damping capacity is basically less than 6db.

Can get following inference by conclusion 1,2,3:

Inference 4: portable terminal is constant to the difference of the damping capacity of different two very low-frequency simple harmonic wave magnetic field intensitys, and is irrelevant basically with the portable terminal present position.

Conclusion 1,2,3 and inference 4 are set up has certain qualifications, is mainly:

In a, the air at the earth's surface, air pressure is about under 0.5 to 1.5 atmospheric pressure.

B, environment temperature are between 0 to+50 degrees centigrade.

C, magnetic excitation electric current are the simple harmonic wave of frequency less than 50KHz.

D, only under the condition for most of portable terminal, particularly most of mobile phone, conclusion and inference are correct.Can not guarantee all to set up for all portable terminal conclusions and inference.

The size value that e, magnetic field produce coil size is far smaller than the corresponding wavelength value of power frequency value in the coil.

It is multiturn coil that f, magnetic field produce coil, and coil dimension can not be little more too many than mobile phone.

Qualifications is equal to people and normally uses portable terminal particularly normally to use the environment of mobile phone, and the coil that produces low frequency magnetic field in the multiband reader device also is the size under the normal condition.

According to above conclusion, can design following portable terminal brushing card device system, and this system is applicable to the use of most of portable terminal under general normal condition.

The numerical value of the distance B min that at first confirms to allow to swipe the card distance B max farthest according to the safety requirements of using and must can swipe the card recently is 10cm such as the general subway pos machine distance B max that swipes the card farthest, and the nearest distance B min that must be able to swipe the card is 5cm.Confirm on average to swipe the card distance B ave=(Dmax+Dmin)/2 then, use Dave=7.5cm for general subway.

Design a multiband reader device; The multiband reader device that all distribution are used can transmit and receive the radiofrequency signal greater than 80MHz; Radio frequency high frequency frequency is F1, and the multiband reader device can take the frequency values that situation is adjusted high frequency frequency F1 voluntarily according to the environment radio-frequency spectrum.The multiband reader device uses high frequency frequency F1 emission receiving data information.The method and technology of radio communication wherein, i.e. modulation, coding and decoding and communications protocol etc. can be used the radio communication method of existing various maturations, also can define voluntarily and improve one's methods according to the needs of using.

The multiband reader device that all distribution are used can also produce the first very radio signal of low frequency F2 of emission 2KHz to 50KHz; Make its generation first very the radio signal of low frequency F2 in multiband reader device surrounding air; Be about about M2ave apart from the multiband reader device distance magnetic field intensity during for Dave, what M2ave was meant that the multiband reader device sends is setting the first average magnetic field intensity level of low frequency (F2) radio signal very of the distance of on average swiping the card.Apart from multiband reader device distance the locus that necessarily can not swipe the card greater than Dmax; First very the magnetic field intensity of low frequency F2 is less than M2min, and M2min is meant that multiband reader devices that all distribution are used are emitted in distance greater than necessarily can not swipe the card first maximal value of the magnetic field intensity M2 of low frequency F2 radio signal very at place of Dmax.In the locus of swiping the card less than certain needs of Dmin apart from multiband reader device distance; First very the magnetic field intensity of low frequency F2 is greater than M2max, and M2max is meant that multiband reader devices that all distribution are used are emitted in distance less than necessarily need swipe the card first minimum value of the magnetic field intensity M2 of low frequency F2 radio signal very at place of Dmin.The multiband reader device that all distribution are used can also produce the second very radio signal of low frequency F4 of emission 2KHz to 150KHz and portability data message, uses second numerical value and other data messages of the high frequency frequency F1 that using very of the radio signal transmission multiband reader device of low frequency F4.The second wireless data transferring method technology of low frequency F4 very, i.e. modulation, coding and decoding and communications protocol etc. can be used the radio communication method of existing various maturations, also can define voluntarily and improve one's methods according to the needs of using.Second very low frequency F4 and first very low frequency F2 also can use same frequency, use same low frequency signal both to transmit also transfer data information of magnetic field intensity information.

The multiband reader device that all distribution are used can produce the radio signal of emission 2Hz to the extremely low frequency F3 of 2KHz; Make the radio signal of extremely low frequency F3 of its generation in multiband reader device surrounding air; Be about M3ave apart from the multiband reader device distance magnetic field intensity during for Dave, M3ave is meant the average magnetic field intensity level in the extremely low frequency F3 radio signal that sets the distance of on average swiping the card that the multiband reader device sends.Apart from multiband reader device distance the locus that necessarily can not swipe the card greater than Dmax; The magnetic field intensity of extremely low frequency F3 is less than M3min, and M3min is meant that the multiband reader device of all distribution uses is emitted in apart from necessarily can not swipe the card greater than Dmax the maximal value of the magnetic field intensity M3 of the extremely low frequency F3 radio signal of locating.In the locus of swiping the card less than certain needs of Dmin apart from multiband reader device distance; The magnetic field intensity of extremely low frequency F3 is greater than M3max, and M3max is meant that the multiband reader device of all distribution uses is emitted in apart from necessarily need swipe the card less than Dmin the minimum value of the magnetic field intensity M3 of the extremely low frequency F3 radio signal of locating.

Design and the supporting multiband integrated circuit card of said multiband reader device again, it can cooperate the multiband reader device to carry out the processing of following radio signal:

The multiband integrated circuit card that all distribution are used, the radiofrequency signal that can receive and dispatch high frequency frequency F1 uses the radio signal of high frequency frequency F1 to carry out the exchange of bi-directional data information with the multiband reader device.The method and technology of radio communication wherein, i.e. modulation, coding and decoding and communications protocol etc. will conform to the multiband reader device.

The multiband integrated circuit card that all distribution are used can receive the first magnetic field intensity information of the radio signal of low frequency F2 very of multiband reader device emission.Can receive second radio signal of low frequency F4 very of multiband reader device emission, and demodulating and decoding data message wherein.

The multiband integrated circuit card that all distribution are used can receive the magnetic field intensity information of radio signal of the extremely low frequency F3 of multiband reader device emission.

The system scheme that the present invention uses multiband integrated circuit card and supporting multiband reader device to form can accomplish that low cost can guarantee again to swipe the card in the distance that requires.Use the present invention program need not customize mobile phone, only need the multiband integrated circuit card be inserted in the mobile phone (or other portable terminals), cooperate the pos machine that the multiband reader device is installed to be implemented in the application that the interior mobile payment of requirement distance is swiped the card.The present invention also can be applied to other occasion and swipe the card, and swipes the card such as the gate inhibition.

Use above-mentioned card-punching system, the multiband integrated circuit card can be measured the distance with the multiband reader device, and if the distance is too far just forbids swiping the card, thereby guarantees the security that mobile phone users is swiped the card.

Multiband integrated circuit card (such as multiband sim card) itself does not belong to portable terminal, the multiband integrated circuit card uses in can being installed on portable terminal (such as mobile phone), can be installed in other non-moving terminals (such as the USB card reader) yet and use.

The card-punching system that the present invention forms mainly contains 4 parts, sees Figure 13:

Multiband integrated circuit card 1, multiband reader device 2, portable terminal 3 and CR main circuit 6, wherein multiband reader device 2 is formed CR 5 with CR main circuit 6.Multiband integrated circuit card 1 is connected with the contact with plain conductor with portable terminal 3, and promptly wireline interface connects portable terminal 3 and multiband integrated circuit card 1.Multiband integrated circuit card 1 can carry out the data message communication through wireline interface with portable terminal 3, and portable terminal 3 can offer the required power supply of multiband integrated circuit card 1 work through wireline interface.Under the general operating position, user's 4 hand-held mobile terminals 3 initiatively move portable terminal 3, and at this moment, multiband integrated circuit card 1 is and then motion together also.

Multiband integrated circuit card 1 with acceleration analysis processing module can be measured the acceleration change of self, thereby can discern user 4 specific action.This specific action can be used for the affirmation that 4 couples of users swipe the card and operate.The acceleration analysis processing module is the optional module of multiband integrated circuit card, is not must module.

There is signal to be connected between CR main circuit 6 and the multiband reader device 2, generally speaking, supplies with the working power of multiband reader devices 2 by CR main circuit 6 with power supply.The exchange of information data such as swipe the card of multiband reader device 2 and CR main circuit 6.Multiband reader device 2 and multiband integrated circuit card 1 are connected through wave point when swiping the card, and carry out the exchange of information data with multiband integrated circuit card 1.Wave point between multiband reader device 2 and the multiband integrated circuit card 1 is: the wireless receiving and dispatching processing module.The wireless receiving and dispatching processing module is handled the radio signal of 3 frequency ranges.

Shown in figure 14, the multiband integrated circuit card 1 among the present invention comprises control module 15, wireline interface 11, wireless receiving and dispatching processing module 12, function of swiping card module 13, optional acceleration analysis processing module 14.Control module 15 can realize the various functions of custom integrated circuit card.The custom integrated circuit card comprises SD card (Secure Digital Memory Card), mmc card (MultiMediaCard), memory stick (Memory Stick), SM card (SmartMedia), SIM (Subscriber Identity Module), usim card (Universal Subscriber Identity Module), UIM card (User Identity Model).Control module 15 is connected with wireline interface 11, is connected with wireless receiving and dispatching processing module 12, function of swiping card module 13 and optional acceleration analysis processing module 14 electrical connections.Control module 15 contains CPU and storer and software program.Multiband integrated circuit card 1 is connected with the external moving terminal through wireline interface 11.Wireline interface 11 is made up of lead and contact, is responsible for carrying out data information exchange with the external moving terminal, and working power is provided can for multiband integrated circuit card 1.Wherein the method for wire communication can be used the wire communication method and technology of existing various maturations, also can define new method and technology voluntarily according to application need, such as method and the agreement that can use in the ISO7816 standard.Wireless receiving and dispatching processing module 12 is connected with control module 15; Be responsible for carrying out the bi-directional data message exchange with outside multiband reader device 2, wireless receiving and dispatching processing module 12 also be responsible for receiving measure and according to the magnetic field intensity that records judge with the distance of multiband reader device 2 whether in the distance that can swipe the card safely.Wireless receiving and dispatching processing module 12 is made up of high-frequency band transmitting-receiving processing sub 121, low frequency frequency range processing sub 122 and extremely low frequency frequency range processing sub 123.Function of swiping card module 13 mainly is a software module, is made up of cpu in the integrated circuit card and memory program etc., under the control of cpu and program, cooperates the common operation of swiping the card of accomplishing with outside multiband reader device 2 and portable terminal through each interface.

Optional acceleration analysis processing module 14 is made up of acceleration transducer and treatment circuit, can measure the acceleration of multiband integrated circuit card 1, through to the acceleration change Feature Extraction, thereby can judge holder's specific action.This specific action can be used for the affirmation of holder to the operation of swiping the card.

What 121 transmitting-receivings of high-frequency band transmitting-receiving processing sub were handled is the radio signal of frequency range greater than 80MHz.Form by high frequency antenna 1212 and high frequency transmitting-receiving treatment circuit 1211; Can cooperate communication with supporting multiband reader device 2; Wherein the method and technology of radio communication (technology that comprises antenna) can use the radio communication method and technology of existing various maturations, also can define voluntarily and improves one's methods according to application need.Wherein antenna technology can use various existing ripe antenna technologies, as long as help performance of products, according to the continuous development of antenna technology, also can use up-to-date antenna technology.Can preferentially select for use the 2.4GHz frequency range as the realization of high-frequency band radio frequency centre frequency technology at present, for example integrated circuit nRF24L01 just can high cost performance realizes the communication of 2.4GHz frequency range.

Low frequency frequency range processing sub 122 receives and handles frequency ranges is 2KHz to first radio signal of low frequency F2 very of 50KHz.Low frequency frequency range processing sub receives only radio signal and does not send radio signal.It is the first time-independent field signal of constant amplitude of low frequency F2 very that low frequency frequency range processing sub receives the measuring center frequency.Various countries' radio spectrum management does not stipulate to be lower than the field intensity restriction that the wireless permission of 9KHz is used; Most of mechanism for testing is not lower than the testing apparatus and the testing standard of the radiation limit value of 9KHz yet; Therefore can't obtain the whether test report of National standard of radio radiation; The radio that use is lower than 9KHz for product to promote the use of difficulty very big, though can be actively and each national government link up, obtain to be lower than the use standard and the permission of the wireless device of 9KHz; But its work difficulty is very big, uses very difficulty for the all-round popularization in global various countries area.Preferred first very low frequency F2 be greater than 9KHz, and low as far as possible, promptly approaching with 9KHz as far as possible, receive handle first very the signal bandwidth preferred value of low frequency F2 be 100Hz.It is the first field strength values M2 of low frequency F2 very that calibrated multiband integrated circuit card, low frequency frequency range processing sub 122 receive the measuring center frequencies, and compares with magnetic field intensity threshold value M2gate; If comparative result allows to swipe the card; Just think enough near, in the safe distance that allows to swipe the card, start the flow process of swiping the card with multiband reader device distance; Otherwise forbid swiping the card, require the interior application demand that just can swipe the card of distance thereby be implemented in.Low frequency frequency range processing sub 122 also receives and handles frequency range is 2KHz to second radio signal of low frequency F4 very of 150KHz.From second very the radio signal of low frequency F4 demodulating and decoding go out the data message that wherein transmits; This information is emitted by the multiband reader device; The identity information IDr that the multiband reader device is wherein arranged, and information such as multiband reader device high frequency frequency F1.Low frequency frequency range processing sub 122 need not sent second radio signal of low frequency F4 very.Frequency be second very the radio signal mechanics of communication of low frequency F4 can use the radio communication method and technology of existing various maturations, also can define voluntarily and improve one's methods according to the needs of using.Second very the radio signal of low frequency F4 take the frequency spectrum broad, its bandwidth is decided by the baud rate and the modulation coding mode of data message.Be used for communication radio signal second very low frequency F4 and the radio signal that is used to measure magnetic field intensity first very if low frequency F2 is different; Second very the radio Seize ACK message bandwidth of low frequency F4 can not cover the very scope of low frequency F2 of magnetic field intensity test frequency first; And first very the energy of low frequency F2 can not make second very the wireless signal to noise ratio (S/N ratio) of low frequency F4 obviously reduce; Promptly to guarantee the radio of magnetic field intensity test and the radio mutual interference mutually of data information transfer; Its frequency interval must be enough greatly, in the prioritization scheme second very low frequency F4 be greater than the first low frequency F2 very.Be used for communication radio signal second very low frequency F4 and the radio signal that is used to measure magnetic field intensity first very if low frequency F2 is identical; Low frequency frequency range processing sub 122 is measured acquisition magnetic field intensity information from the radio signal of same centre frequency and demodulating and decoding obtains data message; At this moment, the bandwidth of low frequency frequency range processing sub 122 is decided by the baud rate and the modulation coding mode of data message.Low frequency frequency range processing sub 122 measure magnetic field intensitys wireless first very low frequency F2 can confirm constant; The different multiband integrated circuit of convenient like this realization is stuck on the same multiband reader device and normally uses, the convenient compatibility that realizes the multiband integrated circuit card.Low frequency frequency range processing sub 122 receiving data informations wireless second very low frequency F4 can confirm constant; The different multiband integrated circuit of convenient like this realization is stuck on the same multiband reader device and normally uses, the convenient compatibility that realizes the multiband integrated circuit card.

Extremely low frequency frequency range processing sub 123 receives and handles frequency range is the radio signal of 2Hz to the extremely low frequency of 2KHz.Extremely low frequency frequency range processing sub 123 receives only radio signal and does not send radio signal.Extremely low frequency frequency range processing sub 123 receives the time-independent field signal of constant amplitude of measuring extremely low frequency F3.Need not receive the magnetic field intensity of the radio signal of measuring extremely low frequency F3 when normally swiping the card operation; Only behind multiband integrated circuit card electrification reset, before the operation of swiping the card for the first time; Set for first low frequency F2 allow to swipe the card operating period of magnetic field intensity threshold value M2gate very; Just measure the magnetic field intensity of extremely low frequency F3 radio signal, with the field strength values M3 of the extremely low frequency F3 that records be used to swipe the card first set-up and calculated of low frequency F2 magnetic field intensity threshold value M2gate very of operation.Extremely low frequency F3 can confirm constant, and the different multiband integrated circuit of convenient like this realization is stuck on the same multiband reader device and normally uses, the convenient compatibility that realizes the multiband integrated circuit card.The preferred version of extremely low frequency F3 is 80Hz, and the preferred version of the processing filtering bandwidth of extremely low frequency F3 is about 10Hz.

The multiband integrated circuit card handle first very the radio signal of low frequency F2, extremely low frequency F3 all be the time-independent radio signal of constant amplitude; If first very low frequency F2 very the frequency of low frequency F4 is identical with second, second very low frequency F4 also be the time-independent radio signal of constant amplitude.

Said multiband reader device 2 comprises reader device control module 21, wireless receiving and dispatching processing module 22, interface circuit 23.Reader device control module 21 is connected with interface circuit 23 with wireless receiving and dispatching processing module 22.Reader device control module 21 includes modules such as CPU storer and software.Reader device control module 21 is accomplished control, operation, communication and various functions such as swipe the card under cpu and control of software.Interface circuit 23 also is connected with the CR main circuit 6 of outside, and interface circuit 23 is realized the communication of multiband reader device 2 and CR main circuit 6, also offers the working power of multiband reader device 2.The two-way radio communication function of the multiband integrated circuit card 1 of 22 main completion of wireless receiving and dispatching processing module and outside.Wireless receiving and dispatching processing module 22 mainly is made up of antenna and radio circuit, also comprises the part software module.Wherein the method for radio communication can be used the radio communication method and technology of existing various maturations, also can define voluntarily according to the needs of application and improve one's methods, but this method must be complementary with the method for multiband integrated circuit card 1.

Wireless receiving and dispatching processing module 22 is made up of high-frequency band transmitting-receiving processing sub 221, low frequency frequency range processing sub 222 and extremely low frequency frequency range processing sub 223.High-frequency band transmitting-receiving processing sub 221 is handled the radio signal of frequency greater than 80MHz, uses high frequency frequency F1 and multiband integrated circuit card 1 to carry out two-way data communication.High-frequency band transmitting-receiving processing sub 221 is made up of high frequency antenna 2212 and high frequency transmitting-receiving treatment circuit 2211.The method and technology of radio communication (technology that comprises antenna) wherein, i.e. modulation, coding and decoding and communications protocol etc. can be used the radio communication method of existing various maturations, also can define voluntarily and improve one's methods according to the needs of using.Present technology can preferentially select for use the 2.4GHz frequency range as the realization of high frequency frequency F1 technology, and for example integrated circuit nRF24L01 just can high cost performance realizes the communication of 2.4GHz frequency range.Preferred version is that high frequency frequency F1 can change, and can change high frequency frequency F1 when the multiband reader device records the electromagnetic noise of a certain frequency when very big, uses the channel of another frequency to carry out communication.Low frequency frequency range processing sub 222 is sent and handled frequency range is the low frequency radio signal of 2KHz to 150KHz.Low frequency frequency range processing sub 222 transmit frequency ranges are 2KHz to the first time-independent field signal of low frequency F2 constant amplitude very of 50KHz.Preferred first very low frequency F2 be greater than 9KHz, as far as possible approaching with 9KHz, first very about the signal bandwidth preferred value 10Hz of low frequency F2 (perhaps frequency error is in 10Hz) of transmission.First field strength values of low frequency F2 very that low frequency frequency range processing sub 222 is sent: be about M2ave for the Dave place apart from multiband reader device distance; Apart from multiband reader device distance during greater than Dmax less than M2min, apart from multiband reader device distance during less than Dmin greater than M2max.The consideration of need compromising of the numerical value of M2ave, M2max, M2min; Can not be too little; The signal to noise ratio (S/N ratio) of the signal that too little multiband integrated circuit card receives is too low; And if field strength value is too big, the volume of multiband reader device or power consumption are too big, also are not easy to satisfy the requirement of radio regulatory organization to the magnetic field intensity limit value.The second low frequency frequency range processing sub 222 is also sent and handled frequency range is 2KHz to second radio signal of low frequency F4 very of 150KHz.Second very the radio signal of low frequency F4 carry relevant data message, such as the information such as high frequency frequency F1 numerical value of the identity information IDr and the multiband reader device of multiband reader device.Second very the method and technology of the radio signal communication of low frequency F4 be modulation, coding and decoding and communications protocol etc., can use the radio communication method of existing various maturations, also can define voluntarily and improve one's methods according to the needs of using.The second very baud rate and the modulation coding mode of the bandwidth of the radio signal frequency spectrum of the low frequency F4 data that are decided by to transmit, its concrete computing method have had various proven technique, repeat no more here.In a word, second very the bandwidth of low frequency F4 be decided by the details of application demand.If first low frequency F2 and the second low frequency F4 same frequency very very, so first very the signal bandwidth of low frequency F2 (second very low frequency F4) be decided by baud rate that data transmit and modulation, coding and decoding mode.If first low frequency F2 and the second low frequency F4 same frequency very uses same radio signal both to transmit also transfer data information of magnetic field intensity information very much.If first low frequency F2 and the second low frequency F4 different frequency very very; Guarantee second very low frequency F4 the radio signal frequency spectrum first very the energy in the bandwidth of low frequency F2 can not obviously influence first energy of low frequency F2 very, and first very the energy of low frequency F2 can not make frequency be second very the signal to noise ratio (S/N ratio) of the radio signal of low frequency F4 obviously reduce.In the preferred version second very low frequency F4 be greater than the first low frequency F2 very.Extremely low frequency frequency range processing sub 223 is sent and handled frequency range is the radio signal of 2Hz to the extremely low frequency of 2KHz.Extremely low frequency frequency range processing sub 223 is sent the time-independent field signal of extremely low frequency F3 constant amplitude.The radio signal that extremely low frequency frequency range processing sub 223 need not sent extremely low frequency F3 when normally swiping the card operation; Only behind multiband integrated circuit card electrification reset, before the operation of swiping the card for the first time; Set for first low frequency F2 allow to swipe the card operating period of magnetic field intensity threshold value M2gate very, just need the magnetic field intensity signal of extremely low frequency frequency range processing sub 223 transmission extremely low frequency F3.The field strength values of the extremely low frequency F3 that extremely low frequency frequency range processing sub 223 is sent; About will be during for Dave for M3ave apart from multiband reader device distance; Be less than M3min during greater than Dmax apart from multiband reader device distance, want during apart from multiband reader device distance less than Dmin big-in M3max.The consideration of need compromising of the numerical value of M3ave, M3max, M3min can not be too little, and the signal to noise ratio (S/N ratio) that too little multiband integrated circuit card 1 receives signal is too low, and is too big, and the volume of multiband reader device 2 or power consumption are too big.Extremely low frequency F3 can confirm constant, the convenient so normally use on same multiband integrated circuit card 1 of different multiband reader devices 2, the convenient compatibility that realizes multiband reader device 2 of realizing.The preferred version of the extremely low frequency F3 that extremely low frequency frequency range processing sub 223 is sent is the frequency of 80Hz, the about 1Hz of preferred version of the extremely low frequency F3 bandwidth that extremely low frequency frequency range processing sub 223 is sent.

If multiband integrated circuit card 1 is inner to have recorded one and allow the magnetic field intensity threshold value M2gate that swipes the card, first just can start the operation of swiping the card when very the magnetic field intensity M2 of low frequency F2 is greater than magnetic field intensity threshold value M2gate when what record.The setting value of magnetic field intensity threshold value M2gate before multiband integrated circuit card 1 electrification reset that allows to swipe the card is invalid.The magnetic field intensity threshold value M2gate that allows to swipe the card be set in multiband integrated circuit card 1 near multiband reader device 2 time automatic setting, do not need special setting utility appliance, do not need the setting operation process of artificial special control.Because very the decay of the magnetic field intensity of low frequency F2 is different to first for different mobile terminals; So when the multiband integrated circuit is stuck in the different terminals; Because very the damping capacity Af2 of the magnetic field intensity of low frequency F2 is different to first for portable terminal, from the card reader same distance time, the magnetic field intensity M2 difference that records; So can not M2 and same magnetic field intensity M2ave relatively be determined whether and can swipe the card, and must relatively determine whether and to swipe the card with M2ave-Af2.Make that M2gate=M2ave-Af2 is the magnetic field intensity threshold value for the thresholding of swiping the card.Multiband integrated circuit card 1 obtains the process of the correct magnetic field intensity threshold value M2gate that swipes the card in portable terminal, be called calibration process.When unregulated integrated circuit card record first very the magnetic field intensity of low frequency F2 start calibration process when starting calibration magnetic field intensity thresholding Tm2.

The definite procedure that starts calibration magnetic field intensity thresholding Tm2 is following:

The needs of a, selected a collection of (about 100) different model are used in the portable terminal of this card-punching system and test;

B, multiband integrated circuit card 1 are in portable terminal during with multiband reader device 2 larger distance Dttm2; Record emission, multiband integrated circuit card 1 position, the first magnetic field intensity TTm2 of low frequency F2 very of multiband reader device 2, and note the numerical value of TTm2 and Dttm2;

C, close the emission of magnetic field of multiband reader device 2, multiband integrated circuit card 1 record first very the noise peak of the magnetic field intensity in it receives bandwidth of low frequency F2 be Zf2;

D, this moment TTm2 must be than the Zf2 in the portable terminal big 6db, otherwise, portable terminal more near multiband reader device 2, is repeated b, c, up to the d that satisfies condition;

The d if e portable terminal and multiband reader device 2 still can not satisfy condition when nearest needs the parameter of adjustment multiband reader device 2, increases following 3 field strength values: M2ave, M2min, the M2max of its emission.Again make test b, c then up to the d that satisfies condition;

F, each portable terminal is repeated the step of b, c, d, e, obtain the TTm2 of each portable terminal under identical M2ave, M2min, M2max value condition, get wherein maximal value as starting calibration magnetic field intensity thresholding Tm2;

G, startup calibration magnetic field intensity thresholding Tm2 must if start calibration magnetic field intensity thresholding Tm2 greater than M2min, need to adjust the parameter of multiband reader device less than M2min, increase following 3 field strength values: M2ave, M2min, the M2max of its emission.Need this moment again all portable terminals to be carried out the test of b, c, d, e, f, up to satisfying condition: start calibration magnetic field intensity thresholding Tm2 less than M2min;

H, test multiband integrated circuit are stuck in and record first in all terminals very during the magnetic field intensity M2=Tm2 of low frequency F2; With the distance of multiband reader device be Dttm2; Dttm2 must be greater than Dmin; Otherwise increase the value of M2ave, M2min, M2max, test b, c, d, e, f, g again up to satisfying Dttm2 greater than Dmin;

Above method is not unique method, in fact can have unlimited several different methods to be used for confirming to start the value of calibration magnetic field intensity thresholding Tm2, and the numerical value of the final startup calibration magnetic field intensity thresholding Tm2 that confirms neither unique feasible numerical value.And do not need to revise repeatedly after the value that increases M2ave, M2min, M2max testing experiment again during practical operation, can estimate the desired value of M2ave, M2min, M2max according to the data that recorded, predictor method repeats no more.But, can let startup calibration magnetic field intensity thresholding Tm2 meet following condition regardless of being which kind of method to obtain to start calibration magnetic field intensity thresholding Tm2 with:

1, in all terminals of test sample book, start calibration magnetic field intensity thresholding Tm2 than more than the big 6db of noise magnetic field intensity in this terminal, the measuring error when this requirement is used to guarantee actual use is unlikely to too big;

2, start calibration magnetic field intensity thresholding Tm2 and be less than M2min, this requirement be used to guarantee to decay very little portable terminal swipe the card farthest apart from the time can realize calibration;

3, in all terminals of test sample book; Terminal and multiband reader device 2 distances are during less than Dmin; Multiband integrated circuit card place first very low frequency F2 magnetic field intensity M2 must be greater than starting calibration magnetic field intensity thresholding Tm2; This requirement is to be used to guarantee in all test sample book portable terminals, can calibrate during less than Dmin with card reader distance;

If 4 application demands are different, more than 1,2,3 specific requirement numerical value can get different numerical, even can increase and decrease above condition.

When the method that more than confirm to start calibration magnetic field intensity thresholding Tm2 realizes, also confirmed the value of M2ave, M2min, M2max.Confirming of the value of M3ave, M3min, M3max is simpler; Only need to guarantee that the maximal value Zf3 that the multiband integrated circuit is stuck in the magnetic field intensity noise of extremely low frequency F3 in it receives bandwidth that records in all test sample book portable terminals gets final product more than the little 6db than M3min; If require more strictness, can require M3min to be far longer than maximal value Zf3.

The method of application 1 of multiband reader device 2 and multiband integrated circuit card 1 (is seen Figure 18) as follows:

The method of mobile payment that a kind of distance is controlled may further comprise the steps,

2. because multiband integrated circuit card 1 is removed calibration marker after powering on; Promptly record allows the magnetic field intensity threshold value M2gate that swipes the card; Therefore the multiband integrated circuit card will judge earlier whether its inside has recorded one and allowed the magnetic field intensity threshold value M2gate that swipes the card; If record allows the magnetic field intensity threshold value M2gate that swipes the card, do not swipe the card;

C. calculate and allow the magnetic field intensity threshold value M2gate that swipes the card; The magnetic field intensity threshold value M2gate that allows to swipe the card equals magnetic field intensity M3 that the average magnetic field intensity level M3ave in the extremely low frequency F3 radio signal that sets the distance of on average swiping the card that the multiband reader device sends deducts the extremely low frequency F3 radio signal that records and adds the first magnetic field intensity M2 sum of low frequency F2 radio signal very that records, promptly

The magnetic field intensity M3 of-extremely low frequency (F3) radio signal

+ the first magnetic field intensity M2 of low frequency F2 radio signal very;

6. authentication is passed through, and carries out mobile payment by high frequency frequency F1 radio signal;

A. the multiband integrated circuit card receives 2KHz that the multiband reader device sends to second between the 150KHz very radio signal of low frequency F4, comprises communicate by letter with multiband reader device numerical value and the identity information IDr of multiband reader device of high frequency frequency F1 of use of multiband integrated circuit card in this radio signal;

C. to send frequency be that the RI radio intelligence of high frequency frequency F1 is given the multiband reader device to the multiband integrated circuit card, request calibration flow process or mobile payment, and the RI radio intelligence of this high frequency frequency F1 comprises the identity information IDr of multiband reader device; The multiband reader device receive RI radio intelligence and the checking identity information IDr wherein of this high frequency frequency F1 correct after, calibrate flow process or mobile payment between multiband integrated circuit card and the multiband reader device.

Swipe the card or the mobile payment operating process following:

1, multiband integrated circuit card 1 receive frequency is second radio signal of low frequency F4 very; This signal is sent by multiband reader device 2, wherein contains multiband reader device 2 and is used for and the high frequency frequency F1 numerical value of multiband integrated circuit card 1 communication use and the information such as identity IDr of multiband reader device 2;

2, multiband integrated circuit card 1 is enough near with multiband reader device 2, and the frequency of its reception is the second radio signal signal to noise ratio (S/N ratio) of low frequency F4 enough greatly time the very, wherein the data messages such as high frequency frequency F1 value and IDr of can right demodulation decoding;

3, after multiband integrated circuit card 1 is received data messages such as correct high frequency frequency F1 and IDr, use the radio transmitting information of high frequency frequency F1 to give multiband reader device 2, ask to swipe the card flow process, contain information such as IDr in the information of transmission.

4, after multiband reader device 2 is received the solicited message of swiping the card of multiband integrated circuit card 1 from the radio of high frequency frequency F1; At first more whether IDr is correct; If it is incorrect; Then refusal is carried out the flow process of swiping the card, to avoid being positioned near multiband integrated circuit card 1 and this multiband reader device 2 other multiband reader devices process of swiping the card;

5, multiband reader device 2 relatively IDr correct after; Cooperate multiband integrated circuit card 1 to carry out the follow-up flow process of swiping the card; In the follow-up flow process; Multiband reader device 2 cooperates multiband integrated circuit card 1 to use the radio frequency of high frequency frequency F1 to carry out both-way communication, common other operations of accomplishing the process of swiping the card;

If multiband integrated circuit card 1 has the acceleration analysis processing module; And this application security requirement of swiping the card is very high; Need user 4 affirmation, multiband integrated circuit card 1 calls the function of acceleration analysis processing module 14, waits user's 4 to be identified specific affirmation action; Do not confirm action if in official hour, recognize, multiband integrated circuit card 1 is abandoned this operation of swiping the card.If acceleration analysis processing module 14 identifies user 4 affirmation action in official hour, multiband integrated circuit card 1 just continues to accomplish the subsequent operation of swiping the card.

The communication process of more than swiping the card not is unique feasible process of swiping the card, and the in fact feasible process of swiping the card can have unlimited multiple variation.

Use the measuring technique of existing electronic signal, first very the measurement implementation method of the magnetic field intensity of low frequency F2 radio signal have a variety ofly, be the some of them method below:

First very the measurement of the magnetic field intensity of low frequency F2 radio signal can form sensor (perhaps being called antenna) and electric signal size measurement module by two modules.Sensor with first very the magnetic field intensity physical quantity of low frequency F2 radio signal be transformed to electric signal (being voltage signal under the normal condition).In multiband integrated circuit card 1, can use coil, mistor, magnetic sensitive transistor, magnetosensitive FET, hall device with first very the magnetic field intensity signal of low frequency F2 be transformed to electric signal.Between magnetic field intensity effective value and output electric signal effective value a conversion coefficient is arranged, the size of this coefficient is confirmed when sensor (or antenna) designs.Electric signal size measurement module can be by amplifier, BPF., peak detector, A/D converter, and the measurement processing program is formed.The measurement processing program is scaled first field strength value of low frequency F2 very according to the parameters such as enlargement factor of the conversion coefficient of sensor, the amplifier numerical value after with the A/D conversion.Electric signal size measurement module also can constitute like this: amplifier, A/D converter, digital band-pass filter, digital peak wave detector, measurement processing program.The measurement processing program is scaled first field strength value of low frequency F2 very according to each parameter and conversion coefficient with peak value.Using digital band-pass filter can realize the wave filter of high performance requirements easily, is reasonable scheme.In a word, the implementation of the prior art of electric signal size measurement module can have various methods, repeats no more here.

The measurement implementation method of the magnetic field intensity of extremely low frequency F3 is with first very the test of low frequency F2 magnetic field intensity is the same that a variety of implementations are arranged.But no matter which kind of mode of use still is made up of sensor (antenna) and electric signal size measurement module.Frequency is the second RI radio intelligence receiving handling method of low frequency F4 very: centre frequency be second very the low frequency F4 radio that carries data message also be to handle by sensor (antenna) and electric signal processing module.Its sensor can be made up of coil, mistor, magnetic sensitive transistor, magnetosensitive FET or hall device equally.The function of electric signal processing module is to amplify and demodulating and decoding second data message among the low frequency F4 very, and its method and technology has been a mature technology.First very 3 of low frequency F4 of low frequency F2, extremely low frequency F3, second (first very low frequency F2, second be 2 when very low frequency F4 the is identical) radio signal very; Its signal spectrum does not have overlapping; Therefore can use same antenna to receive the radio signal of these frequencies simultaneously; And can use same amplifier to amplify these signals simultaneously, deliver to processing module separately after the amplification respectively.Therefore, first very low frequency F2, extremely low frequency F3, second very the processing module common antenna and the amplifier of low frequency F4 radio signal are feasible specific embodiments.Multiband reader device emission first very low frequency F2, extremely low frequency F3, second very the radio-frequency spectrum of low frequency F4 frequency is not overlapping, can use these 3 of same coil antenna emissions (first very low frequency F2, second be 2 when very low frequency F4 is identical) radio signal.The multiband reader device produced first very low frequency F2, extremely low frequency F3, second deliver to an amplification driver after the radio signal linear superposition of low frequency F4 very much, drive then a coil antenna with first very low frequency F2, extremely low frequency F3, second very the RI radio intelligence of low frequency F4 frequency send.Certainly launch from antenna independently after these RI radio intelligences can use independent amplifier to amplify respectively, but more complicated than the scheme of using an amplifier and an antenna like this, the utilization factor of power supply energy is lower.

The embodiment of market POS:

See Figure 13, the CR 5 of market credit card is made up of CR main circuit 6 and multiband reader device 2, and the software and hardware that is connected with the bank account management system is arranged in the CR 5.Portable terminal 3 is user's a mobile phone.Multiband integrated circuit card 1 in the user mobile phone is the multiband integrated circuit card 1 with SIM function, and the function of swiping card module 13 in this multiband integrated circuit card 1 contains credit card account swipe the card software and credit card authentication information.Owing to the high especially rate request of swiping the card of the security requirement of credit card is not too high, thus need holder's affirmation operation, so need acceleration analysis processing module 14 in the multiband integrated circuit card 1 of the type application.

The structure of multiband integrated circuit card 1 is seen Figure 16: multiband integrated circuit card 1 by wireline interface 11, infinitely receive and dispatch processing module 12, function of swiping card module 13, optional acceleration analysis processing module 14 and control module 15 and form.Control module 15 is connected with wireline interface 11, wireless receiving and dispatching processing module 12, function of swiping card module 13 and acceleration analysis processing module 14 respectively.

Wireless receiving and dispatching processing module 12 is made up of high-frequency band transmitting-receiving processing sub 121, low frequency frequency range processing sub 122 and extremely low frequency frequency range processing sub 123.High-frequency band transmitting-receiving processing sub 121 is made up of high frequency antenna 1212 and high frequency transmitting-receiving treatment circuit 1211.Low frequency frequency range processing sub 122 and extremely low frequency frequency range processing sub 123 have three parts of common use: low frequency and extremely-low frequency antenna 1234, low frequency and extremely low frequency amplifier 1233 and low frequency and extremely low frequency A/D converter 1232.Low frequency and extremely-low frequency antenna 1234 are transformed to voltage signal with the radio signal of following three frequencies in space, multiband integrated circuit card 1 place: first very low frequency F2 be 9100Hz magnetic field intensity signal, second very low frequency F4 be that Data Receiving radio signal and the extremely low frequency F3 of 15KHz is the magnetic field intensity signal of 80Hz.Low frequency and extremely-low frequency antenna 1234 conversion gained voltage signals give low frequency and extremely low frequency amplifier 1233 amplifies is transformed to digital voltage signal by low frequency and extremely low frequency A/D converter 1232 then.Low frequency frequency range processing sub by centre frequency be first very magnetic field intensity measurement module and the centre frequency of low frequency F2 be second very the radio data signal receiving processing module of low frequency F4 form.Wherein centre frequency be first very low frequency F2 the magnetic field intensity measurement module by low frequency and extremely-low frequency antenna 1234, low frequency and extremely low frequency amplifier 1233 and low frequency and extremely low frequency A/D converter 1232 and centre frequency be first very the magnetic field intensity of low frequency F2 measure digital signal processing module 1221 and form.

Centre frequency be first very the magnetic field intensity of low frequency F2 measure digital signal processing module 1221 and handle the digital voltage signal of bringing from low frequency and extremely low frequency A/D converter 1232 in the pure digi-tal territory.The centre frequency that magnetic field intensity is measured digital signal filter device in the digital signal processing module 1221 is 9100Hz, bandwidth 100Hz..Centre frequency be second very low frequency F4 the radio data signal receiving processing module by public low frequency and extremely-low frequency antenna 1234, low frequency and extremely low frequency amplifier 1233 and low frequency and extremely low frequency A/D converter 1232 and centre frequency be second very the wireless receiving digital signal processing module 1222 of low frequency F4 form.Centre frequency be second very the wireless receiving digital signal processing module 1222 of low frequency F4 handle the digital signal of bringing from low frequency and extremely low frequency A/D converter 1232 in the pure digi-tal territory; Centre frequency be second very the radio signal of low frequency F4 use the MSK modulation system; Data transmission bauds is 2Kbps; Wherein the centre frequency of digital signal filter device is 15KHz, bandwidth 2KHz.Extremely low frequency frequency range processing module 123 is that the magnetic field intensity of extremely low frequency F3 is measured digital signal processing module 1231 and formed by public low frequency and extremely-low frequency antenna 1234, low frequency and extremely low frequency amplifier 1233 and low frequency and extremely low frequency A/D converter 1232 and centre frequency.Centre frequency is that the magnetic field intensity of extremely low frequency F3 is measured digital signal processing module 1231 is handled the extremely low frequency F3 that brings from low frequency and extremely low frequency A/D converter 1232 in the pure digi-tal territory magnetic field intensity digital signal; Wherein the centre frequency of digital signal filter device is 80Hz, and bandwidth is 10Hz.

The structure of multiband reader device 2 is seen Figure 17, and multiband reader device 2 is made up of reader device control module 21, wireless receiving and dispatching processing module 22, interface circuit 23.Reader device control module 21 is connected with transceiving processing module 22, interface circuit 23 respectively.Wireless receiving and dispatching processing module 22 is made up of high-frequency band transmitting-receiving processing sub 221, low frequency frequency range processing sub 222 and extremely low frequency frequency range processing sub 223.High-frequency band transmitting-receiving processing sub 221 is made up of high frequency antenna 2212 and high frequency transmitting-receiving treatment circuit 2211.Low frequency frequency range processing sub 222 and extremely low frequency frequency range processing sub 223 have three parts of common use: low frequency and extremely-low frequency antenna 2234, low frequency and extremely low frequency driver 2233 and low frequency and extremely low frequency D/A converter 2232.Low frequency frequency range processing sub 222 by centre frequency be first very the magnetic field intensity of low frequency F2 generate transmitter module and centre frequency be second very the radio data signal generation transmitter module of low frequency F4 form.Centre frequency be first very the magnetic field intensity of low frequency F2 generate transmitter module by public low frequency and extremely-low frequency antenna 2234, low frequency and extremely low frequency driver 2233 and low frequency and extremely low frequency D/A converter 2232 and centre frequency be first very the magnetic field intensity signal of low frequency F2 generate digital signal processing module 2221 and form, centre frequency be second very the radio data signal of low frequency F4 generate the emission processing module by public low frequency and extremely-low frequency antenna 2234, low frequency and extremely low frequency driver 2233 and low frequency and extremely low frequency D/A converter 2232 and centre frequency be second very the radio coding of low frequency F4 modulate generation digital signal processing module 2222 and form.Extremely low frequency frequency range processing sub 223 is that the magnetic field intensity signal of extremely low frequency F3 generates digital signal processing module 2231 and forms by public low frequency and extremely-low frequency antenna 2234, low frequency and extremely low frequency driver 2233 and low frequency and extremely low frequency D/A converter 2232 and centre frequency.Centre frequency be first very the magnetic field intensity signal of low frequency F2 generate digital signal processing module 2221 generate first very low frequency F2 be the magnetic field intensity digital signal of 9100Hz; Centre frequency be second very the radio coding modulation of low frequency F4 generate digital signal processing module 2222 generate second very low frequency F4 be the radio digital signal of 15KHz, the magnetic field intensity signal of extremely low frequency F3 generates digital signal processing module 2231, and to generate extremely low frequency F3 be the magnetic field intensity digital signal of 80Hz.Low frequency and extremely low frequency D/A converter 2232 with first very magnetic field intensity digital signal, the centre frequency of low frequency F2 be second very the radio digital signal of low frequency F4 and the magnetic field intensity digital signal that centre frequency is extremely low frequency F3 carry out converting simulating signal into after the linear superposition, give low frequency and extremely low frequency driver 2233 amplifies the rear drive low frequencies and extremely-low frequency antenna 2234 is launched with simulating signal.Low frequency and extremely-low frequency antenna 2234 are made up of the enameled wire coil of multiturn.Centre frequency be second very the radio signal of low frequency F4 use the MSK modulation system, data transmission bauds is 2Kbps.

The calibration of multiband integrated circuit card and the operating process of swiping the card are:

A, cashier operate CR 5, start the credit card operation, and CR 5 is sought card through interface circuit 23 notice multiband reader devices 2 startups of multiband reader device 2.Centre frequency in the low frequency frequency range processing sub 222 in the wireless receiving and dispatching processing module 22 of multiband reader device 2 be first very the magnetic field intensity signal of low frequency F2 generate digital signal processing module 2221 generate first very low frequency F2 be the digital magnetic field intensity signal of 9100Hz, simultaneously the centre frequency in the low frequency frequency range processing sub 222 in the wireless receiving and dispatching processing module 22 of multiband reader device 2 be second very the radio coding modulation of low frequency F4 generate digital signal processing module 2222 generate second very low frequency F4 be the radio digital signal of 15KHz.Second very low frequency F4 be that modulating-coding has following information in the radio digital signal of 15KHz: the numerical value of the frequency of operation high frequency frequency F1 of the identity information IDr of multiband reader device 2 and high-frequency band transmitting-receiving processing sub 221.Frequency be second very the radio of low frequency F4 use the MSK modulation system of baud rate as 2Kbps.First very low frequency F2 be 9100Hz digital magnetic field intensity signal and second very low frequency F4 convert simulating signal into through low frequency and extremely low frequency D/A converter 2232 after the radio digital signal linear superposition of 15KHz, launch through low frequency and extremely low frequency driver 2233 amplification rear drive low frequencies and extremely-low frequency antenna 2234 again.The high-frequency band transmitting-receiving processing sub 221 of the wireless receiving and dispatching processing module 22 of multiband reader device 2 works in the accepting state that centre frequency is high frequency frequency F1, waits for that the centre frequency that multiband integrated circuit card 1 sends is the radio signal of high frequency frequency F1.

B, when user's handheld mobile phone near multiband reader device 2, low frequency frequency range processing sub 122 test constantlies first of multiband integrated circuit card 1 very low frequency F2 are the magnetic field intensity of 9100Hz.

B1, low frequency and extremely-low frequency antenna 1234 with space, multiband integrated circuit card 1 place first very the magnetic field intensity signal of low frequency F2 be transformed to that voltage signal is given low frequency and extremely low frequency amplifier 1233 amplifies.

Voltage signal after b2, low frequency and extremely low frequency amplifier 1233 amplify gives low frequency and extremely low frequency A/D converter 1232 carries out analog to digital conversion, with analog voltage signal convert into give behind the digital voltage signal centre frequency be first very the magnetic field intensity of low frequency F2 measure digital processing circuit 1221 and handle.

B3, centre frequency be first very the magnetic field intensity of low frequency F2 measure the digital voltage signal that digital processing circuit 1221 is brought low frequency and extremely low frequency A/D converter 1232; Carry out the processing of the digital band-pass filter of centre frequency 9100Hz bandwidth 100Hz earlier, the filtering out-of-band noise.Measure the amplitude of this voltage signal then, again voltage amplitude is transformed to correct field strength values M2.

If do not calibrate behind c multiband integrated circuit card 1 electrification reset; Multiband integrated circuit card 1 is with the field strength values M2 that records and start calibration magnetic field intensity thresholding Tm2 relatively, if M2 calibrates magnetic field intensity thresholding Tm2 greater than startup then starts following calibration flow process such as steps d.Multiband integrated circuit card 1 execution in step f in the mobile phone.

D, multiband integrated circuit card 1 through low frequency frequency range processing sub 122 from centre frequency be second very the radio of low frequency F4 demodulating and decoding go out data message wherein.If signal to noise ratio (S/N ratio) is lower, the data message check errors that solves is got back to step b, continues to detect field strength values M2.Centre frequency is that second very the reception and the demodulating and decoding process of the RI radio intelligence of low frequency F4 is following:

D1, low frequency and extremely-low frequency antenna 1234 with space, multiband integrated circuit card 1 place second very the radio signal of low frequency F4 be transformed to that voltage signal is given low frequency and extremely low frequency amplifier 1233 amplifies.

Voltage signal after d2, low frequency and extremely low frequency amplifier 1233 amplify gives low frequency and extremely low frequency A/D converter 1232 carries out analog to digital conversion, with analog voltage signal convert into give behind the digital voltage signal centre frequency be second very the wireless receiving digital processing circuit 1222 of low frequency F4 handle.

D3, centre frequency are the second advanced line of numbers bandpass filtering of digital signal brought from low frequency and extremely low frequency A/D converter 1232 of 1222 pairs of the wireless receiving digital processing circuits of low frequency F4 very; The centre frequency of digital band-pass filter is 15KHz, and bandwidth is 2KHz (the half the of data baud rate 2Kbps gets final product).Signal behind the filtering out-of-band noise carries out the demodulating and decoding operation of digital radio again, solves high frequency frequency F1 value and the identity information IDr value of multiband reader device in the radio.

After d4, multiband integrated circuit card 1 receive that the high-frequency band of correct multiband reader device 2 is received and dispatched the high frequency frequency F1 and identity information IDr value of processing sub 221 work; The high-frequency band transmitting-receiving processing sub 121 of multiband integrated circuit card 1 is worked on the high frequency frequency F1; And use the channel of high frequency frequency F1 to send calibration request information, comprise the IDr value of receiving in the information.

In d5, the follow-up calibration and the process of swiping the card, each digital signal processing module in the wireless processing interface 12,22 in multiband integrated circuit card 1 and the multiband reader device 2 and the details of operation of public module are no longer carefully stated with aforementioned similar.

E is if the multiband integrated circuit card of not calibrating 1 is got back to step b, otherwise to step f.

F, start the payment operating process of swiping the card when very the magnetic field intensity M2 of low frequency F2 swipes the card thresholding M2gate greater than magnetic field intensity when first.Otherwise get back to step b.

G, multiband integrated circuit card 1 receive frequency are second radio signal of low frequency F4 very; This signal is sent by multiband reader device 2, wherein contains multiband reader device 2 and is used for and the high frequency frequency F1 numerical value of multiband integrated circuit card 1 communication use and the information such as identity information IDr of multiband reader device.

H, multiband integrated circuit card 1 is enough near with multiband reader device 2, second signal to noise ratio (S/N ratio) of the radio signal of low frequency F4 enough greatly time the very of its reception, wherein the data messages such as high frequency frequency F1 value and IDr of can right demodulation decoding.

After i, multiband integrated circuit card 1 were received data messages such as correct high frequency frequency F1 and IDr, frequency of utilization was that the radio transmitting information of high frequency frequency F1 is given multiband reader device 2, asks to swipe the card flow process, contains information such as IDr in the information of transmission.

J, multiband reader device 2 receive the request of swiping the card of multiband integrated circuit card 1 from frequency is the radio of high frequency frequency F1 after; At first more whether IDr is correct; If it is incorrect; Get back to step b, refusal is carried out the flow process of swiping the card, to avoid being positioned near multiband integrated circuit card 1 and this multiband reader device 2 other multiband reader devices process of swiping the card.

K, multiband reader device 2 relatively IDr correct after; Cooperate multiband integrated circuit card 1 to carry out the follow-up flow process of swiping the card, in the follow-up flow process, multiband reader device 2 cooperation multiband integrated circuit cards 1 frequency of utilization is that the radio frequency of high frequency frequency F1 carries out both-way communication; Further carry out other operations of authentication; In authentication, CR is connected with the bank account management system, is further confirmed the legitimacy of card identity by the bank account management system.A lot of ripe already encryption and decryption security algorithm and agreements such as authentication have been arranged, repeated no more here.

L, behind validation of information such as identity, get into the flow process of deducting fees, in the flow process of deducting fees, multiband integrated circuit card 1 starts the work of acceleration analysis processing module 14, waits for user's specific affirmation action.

M, acceleration analysis processing module 14 continue the complete whole flow process of deducting fees after receiving that in official hour user 4 effectively confirms action, otherwise refuse to deduct fees, and finish the whole operation of swiping the card.

Claims

1. method of mobile payment that distance is controlled is characterized in that: may further comprise the steps,

1. the multiband integrated circuit card in the portable terminal is near the multiband reader device, first magnetic field intensity (M2) of low frequency (F2) radio signal very of measuring that said multiband reader device sends;

2. the multiband integrated circuit card judges whether its inside has recorded one and allowed the magnetic field intensity threshold value (M2gate) of swiping the card;

If 3. multiband integrated circuit card inside does not record and allows the magnetic field intensity threshold value (M2gate) of swiping the card; The said first very magnetic field intensity (M2) and startup calibration magnetic field intensity thresholding (Tm2) comparison of low frequency (F2) radio signal that then said multiband integrated circuit card will record; If said first very the magnetic field intensity (M2) of low frequency (F2) radio signal when starting calibration magnetic field intensity thresholding (Tm2); Then start the calibration flow process automatically; Promptly confirm to allow the magnetic field intensity threshold value (M2gate) of swiping the card, comprise step

B. the multiband integrated circuit card is measured the magnetic field intensity (M3) of extremely low frequency (F3) radio signal that the multiband reader device sends;

C. calculate and allow the magnetic field intensity threshold value (M2gate) of swiping the card; The magnetic field intensity threshold value (M2gate) that allows to swipe the card equals magnetic field intensity (M3) that the average magnetic field intensity level (M3ave) in the extremely low frequency that sets the distance of on average swiping the card (F3) radio signal that the multiband reader device sends deducts extremely low frequency (F3) radio signal and adds first very magnetic field intensity (M2) sum of low frequency (F2) radio signal, i.e. the average magnetic field intensity level (M3ave) of magnetic field intensity threshold value (M2gate)=extremely low frequency (F3) radio signal that records

The magnetic field intensity (M3) of-extremely low frequency (F3) radio signal

+ the first magnetic field intensity (M2) of low frequency (F2) radio signal very;

4. the multiband integrated circuit card judge measured first very the magnetic field intensity (M2) of low frequency (F2) radio signal whether greater than the magnetic field intensity threshold value (M2gate) that allows to swipe the card;

If 5. measured first very the magnetic field intensity (M2) of low frequency (F2) radio signal is greater than the magnetic field intensity threshold value (M2gate) that allows to swipe the card, then multiband integrated circuit card and multiband reader device carry out authentication;

6. authentication is passed through, and carries out mobile payment by high frequency frequency (F1) radio signal and swipes the card;

Said high frequency frequency (F1) is greater than 80MHz, first very low frequency (F2) at 2KHz between the 50KHz, extremely low frequency (F3) at 2Hz between the 2KHz.

2. the controlled method of mobile payment of distance as claimed in claim 1; It is characterized in that: step authentication 6. through after carry out before mobile payment swipes the card; The acceleration analysis processing module of multiband integrated circuit card is measured the acceleration of multiband integrated circuit card, and action is confirmed in swiping the card of identification holder.

3. the controlled method of mobile payment of distance as claimed in claim 1 is characterized in that: said multiband integrated circuit card and multiband reader device carry out authentication and comprise step:

A. multiband integrated circuit card second radio signal of low frequency (F4) very that receives that the multiband reader device sends comprises communicate by letter with multiband reader device numerical value and the identity information (IDr) of multiband reader device of high frequency frequency (F1) of use of multiband integrated circuit card in this radio signal;

B. the very numerical value of the high frequency frequency (F1) in the radio signal of low frequency (F4) and the identity information (IDr) of multiband reader device of multiband integrated circuit card demodulating and decoding said second;

C. to send frequency be that the RI radio intelligence of high frequency frequency (F1) is given the multiband reader device to the multiband integrated circuit card, request calibration flow process or mobile payment, and the RI radio intelligence of this high frequency frequency (F1) comprises the identity information (IDr) of multiband reader device;

D. the multiband reader device receive RI radio intelligence and the checking identity information (IDr) wherein of this high frequency frequency (F1) correct after, calibrate flow process or mobile payment between multiband integrated circuit card and the multiband reader device.

4. the controlled method of mobile payment of distance as claimed in claim 3 is characterized in that: be used to measure magnetic field intensity radio signal first very low frequency (F2) and the radio signal that is used to communicate by letter second very low frequency (F4) is identical.

5. the controlled method of mobile payment of distance as claimed in claim 3; It is characterized in that: be used to measure first second low frequency (F4) difference very of low frequency (F2) and the radio signal that is used to communicate by letter very of the radio signal of magnetic field intensity, said second very low frequency (F4) greater than first low frequency (F2) very.

6. the controlled method of mobile payment of distance as claimed in claim 1; It is characterized in that: first constant amplitude of the magnetic field intensity (M3) of magnetic field intensity (M2) and extremely low frequency (F3) radio signal of low frequency (F2) radio signal very of said multiband reader device emission, amplitude is variation in time.

7. a multiband reader device comprises reader device control module (21), wireless receiving and dispatching processing module (22) and interface circuit (23), and said reader device control module (21) is electrically connected with wireless receiving and dispatching processing module (22) and interface circuit (23) respectively; It is characterized in that: said wireless receiving and dispatching processing module comprises

High-frequency band transmitting-receiving processing sub (221) is used to transmit and receive the radiofrequency signal of frequency greater than 80MHz;

Low frequency frequency range processing sub (222) is used to launch the very low-frequency radio signal of 2KHz to 50KHz and the radio signal of launching very low-frequency portability data message of 2KHz to 150KHz; And

Extremely low frequency frequency range processing sub (223) is used to launch the radio signal of the extremely low frequency of 2Hz to 2KHz.

8. multiband reader device as claimed in claim 7; It is characterized in that: said high-frequency band transmitting-receiving processing sub (221) comprises high frequency transmitting-receiving treatment circuit (2211) and high frequency antenna (2212) again; Said low frequency frequency range processing sub (222) and extremely low frequency frequency range processing sub (223) comprise again first very the magnetic field intensity signal of low frequency (F2) generate digital signal processing module (2221), second very the radio coding modulation of low frequency (F4) magnetic field intensity signal that generates digital signal processing module (2222), extremely low frequency (F3) generate digital signal processing module (2231), low frequency and extremely low frequency D/A converter (2232), low frequency and extremely low frequency driver (2233) and low frequency and extremely-low frequency antenna (2234); Said low frequency and extremely low frequency driver (2233) are electrically connected with low frequency and extremely low frequency D/A converter (2232) and low frequency and extremely-low frequency antenna (2234) respectively, said first very the magnetic field intensity signal of low frequency (F2) generate digital signal processing module (2221), second very the radio coding modulation of low frequency (F4) magnetic field intensity signal that generates digital signal processing module (2222), extremely low frequency (F3) generate digital signal processing module (2231) and be electrically connected with low frequency and extremely low frequency D/A converter (2232) respectively.

9. multiband integrated circuit card; Cooperate the processing of carrying out radio signal with the multiband reader device; Comprise control module (15), wireless receiving and dispatching processing module (12), function of swiping card module (13) and wireline interface (11); Said control module (15) is electrically connected with wireless receiving and dispatching processing module (12), function of swiping card module (13) and wireline interface (11) respectively, it is characterized in that:

Said wireless receiving and dispatching processing module (12) comprises

High-frequency band transmitting-receiving processing sub (121) transmitting-receiving frequency uses the radio of high frequency frequency (F1) to carry out the exchange of two-way data message greater than the radiofrequency signal of 80MHz with the multiband reader device;

Low frequency frequency range processing sub (122); Radio signal and the demodulating and decoding data message wherein of the 2KHz to 150KHz of the magnetic field intensity information of very low-frequency radio signal of the 2KHz to 50KHz of reception multiband reader device emission and the emission of reception multiband reader device; And

Extremely low frequency frequency range processing sub (123) receives the wireless magnetic field intensity information that the multiband reader device is launched the extremely low frequency of 2Hz to 2KHz.

10. multiband integrated circuit card as claimed in claim 9; It is characterized in that: also comprise the acceleration analysis processing module (14) that is electrically connected with control module (15); This acceleration analysis processing module (14) comprises acceleration treatment circuit and acceleration transducer; Be used to measure the acceleration of multiband integrated circuit card, action is confirmed in swiping the card of identification holder.

11. multiband integrated circuit card as claimed in claim 9; It is characterized in that: said high-frequency band transmitting-receiving processing sub (121) comprises high frequency transmitting-receiving treatment circuit (1211) and high frequency antenna (1212) again; Said low frequency frequency range processing sub (122) and extremely low frequency frequency range processing sub (123) comprise again first very the magnetic field intensity of low frequency (F2) measure digital processing circuit (1221), second very the wireless receiving digital processing circuit (1222), the magnetic field intensity of extremely low frequency (F3) of low frequency (F4) measured digital processing circuit (1231), low frequency and extremely low frequency A/D converter (1232), low frequency and extremely low frequency amplifier (1233) and low frequency and extremely-low frequency antenna (1234); Said low frequency and extremely low frequency amplifier (1233) are electrically connected with low frequency and extremely low frequency A/D converter (1232) and low frequency and extremely-low frequency antenna (1234) respectively, said first very the magnetic field intensity of low frequency (F2) measure digital processing circuit (1221), second very the magnetic field intensity of wireless receiving digital processing circuit (1222), the extremely low frequency (F3) of low frequency (F4) measure digital processing circuit (1231) and be electrically connected with low frequency and extremely low frequency A/D converter (1232) respectively.