CN102831733B - Split type bank card structure and a method for realizing wireless payment through intelligent terminal - Google Patents
Split type bank card structure and a method for realizing wireless payment through intelligent terminal Download PDFInfo
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- CN102831733B CN102831733B CN201210286462.5A CN201210286462A CN102831733B CN 102831733 B CN102831733 B CN 102831733B CN 201210286462 A CN201210286462 A CN 201210286462A CN 102831733 B CN102831733 B CN 102831733B
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- card
- intelligent terminal
- bank card
- chip body
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Abstract
The invention discloses a split type bank card structure and a method for realizing wireless payment through an intelligent terminal. The split type bank card structure comprises a card body and a chip body, wherein the chip body is detachably connected with the card body, and the card body is provided with a hollow groove used for containing the chip body. In the method for carrying out the wireless payment of the back card through the intelligent terminal, an IC (Integrated Circuit)) card type bank card chip body with an electric contact point is adopted, the IC card type bank card chip body is inserted into an inserting groove arranged in the intelligent terminal, and the identification of the IC card type bank card chip body is completed through an application processing module of the intelligent terminal. The bank card is designed into the split type structure, can not only be combined with the card body into an integer for the traditional service, such as the deposit and withdraw of an ATM (Automatic Teller Machine) machine, of a bank system, but also be taken and inserted into the inserting groove of the portable type intelligent terminal to realize non-contact type mobile payment through the portable type intelligent terminal so that the portability of a user in a bank card using process is greatly enhanced, thereby being favorable to increasing the use frequency of the non-contact type mobile payment and achieving environmental protection and energy saving by reducing the use of paper money.
Description
Technical field
The present invention relates to a kind of bank card structure and method of payment thereof, more particularly refer to a kind of split type bank card structure and realized the method for wireless payment by intelligent terminal.
Background technology
Novel movable calculates concept influence to social every field and stratum, and mobile e-business becomes current if you stretch out your hand you feel the heat topic.Due to mobile phone ubiquity and convenience, hold the Portable intelligent terminal such as mobile phone, panel computer and at any time, Anywhere all can meet financial service demand, financial circles and mobile communication and IT combine with technique paces constantly accelerate.Meanwhile, banking industry is also promoting its Web bank and electronic accounting mode energetically.Traditional contact-type electronic clearing form, is still greatly limited during use, and its reason is, speed of swiping the card is slow, and the running time is longer, and user carries bank card and inconvenience.And mobile operator is mostly user and provides communication class service, if it promotes personal financial business in large quantities in the face of user, not only not there is industrial advantage, also will be subject to the control of the administrative authority such as administrative.
In the face of increasingly mature mobile payment mode, and the huge customer group of banking industry and settlement system, be necessary to develop the technology being realized bank card wireless payment by mobile phone, to meet the use needs of people.
Summary of the invention
The object of the invention is to the defect overcoming prior art, and a kind of split type bank card structure is provided and is realized the method for wireless payment by intelligent terminal, by the bank card of this split-type structural, namely chip can be contained in card by user, handle the business such as to deposit and withdraw of banking system, can also be inserted on Portable intelligent terminal, be settled accounts by non-contact modular and wireless type POS terminal.
For achieving the above object, the present invention is by the following technical solutions:
A kind of split type bank card structure, comprises card body, and the chip body that connect removable with card body, and described card body is provided with the dead slot for accommodating chip body.
Its further technical scheme is: one end of described dead slot is provided with lug boss, and the other end is provided with movable convex buckle mechanism, and described movable convex buckle mechanism comprises and is embedded at the intrinsic sliding shoe of card, and the outer end of sliding shoe is provided with protuberance; The two ends of described chip body are respectively equipped with for embedding lug boss, the first groove of protuberance, the second groove; Described card body is provided with the sliding cavity for loading sliding shoe.
Its further technical scheme is: be provided with the elastic component be positioned at bottom sliding shoe in described sliding cavity.
Its further technical scheme is: also comprise the sliding pin be arranged between card body and sliding shoe, and described card body is provided with the slip straight trough vertical with glide direction, and described sliding shoe is provided with the slip skewed slot crossing with the straight trough bevel that slides.
Its further technical scheme is: the both sides in described slip skewed slot are provided with positioning convex strip, and described sliding pin is provided with the location scrobicular ring for embedding positioning convex strip.
Realizing an intelligent terminal for bank card wireless payment, comprising the slot for inserting bank card chip body, and the application processing module be electrically connected with slot, and with the closely non-contact communication module of application processing module.
A kind of bank card carries out the method for wireless payment by intelligent terminal, the method adopts the IC card type bank card chip body with electrical pickoff, inserted in the slot be provided with in intelligent terminal by IC card type bank card chip body, the application processing module due to intelligent terminal completes the identification to IC card type bank card chip body; Further comprising the steps of:
Step 1, intelligent terminal is closely positioned over the radio frequency operation field of accepting terminal by user, and accepting terminal sends order to obtain the data message of initiating exchange and needing to the closely non-contact communication module of intelligent terminal;
Step 2, closely non-contact communication module receives the order that accepting terminal is initiated, and converts simulating signal to digital signal by application processing module and be transmitted to bank card chip body;
Step 3, bank card chip body responds the digital signal order received, and returns response results to closely non-contact communication module;
Step 4, closely non-contact communication module converts the digital signal that bank card chip body returns to simulating signal and returns to accepting terminal;
Step 5, accepting terminal obtains the information of bank card chip body;
Wherein, step 1 is to step 4, and intelligent terminal need keep closely being positioned over radio frequency operation field.
Its further technical scheme is: described intelligent terminal is smart mobile phone; Described closely non-contact communication module is NFC module.
Its further technical scheme is: also comprise described step and also comprise encrypted message input, described encrypted message is numerical ciphers or finger-print cipher, and described encrypted message inputs from accepting terminal.
Its further technical scheme is: described step also comprises encrypted message input, and described encrypted message is numerical ciphers or finger-print cipher, and described encrypted message inputs from intelligent terminal; Described intelligent terminal comprises the input key and fingerprint sensor that are connected with application processing module; During input encrypted message, intelligent terminal and accepting terminal keep remote.
The present invention's beneficial effect is compared with prior art: bank card is designed to split-type structural by the present invention, both can become as a whole with card body, for the traditional business of banking system, and depositing and withdrawing of such as ATM; Also can be taken out, be inserted in the slot of Portable intelligent terminal (such as mobile phone, panel computer), contactless mobile payment is realized by Portable intelligent terminal, greatly increase user in the portability using bank card process, thus be conducive to the frequency of utilization improving mobile payment, reduce the use of bank note, not only environmental protection but also energy-conservation.In contactless process of exchange, encrypted message can also be inputted by intelligent terminal, owing to being the equipment self held, in encrypted message input process, effectively can prevent the leakage of encrypted message.
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
Accompanying drawing explanation
Fig. 1 is floor map and the enlarged drawing thereof of a kind of split type bank card structure specific embodiment of the present invention;
Fig. 2 is A-A cut-open view and the enlarged drawing thereof of Fig. 1;
Fig. 3 is a kind of block diagram realizing the intelligent terminal specific embodiment of bank card wireless payment of the present invention;
Fig. 4 is the block diagram together with accepting terminal embodiment illustrated in fig. 3.
Description of reference numerals
10 card body 11 dead slots
12 lug boss 13 sliding cavities
14 elastic sheet metals 15 slide straight trough
20 chip body 21 first grooves
The movable convex buckle mechanism of 22 second groove 30
31 sliding shoe 311 protuberances
312 slip skewed slot 40 sliding pins
90 intelligent terminal 91 slots
92 application processing module 93 NFC module
94 input key 95 fingerprint sensors
Embodiment
In order to more fully understand technology contents of the present invention, below in conjunction with specific embodiment technical scheme of the present invention being introduced further and illustrating, but being not limited to this.
As depicted in figs. 1 and 2, a kind of split type bank card structure of the present invention, comprises card body 10, and the chip body 20 that connect removable with card body 10, and card body 10 is provided with the dead slot 11 for accommodating chip body 20.
One end of dead slot 11 is provided with lug boss 12, and the other end is provided with movable convex buckle mechanism 30, and movable convex buckle mechanism 30 comprises the sliding shoe 31 be embedded in card body 10, and the outer end of sliding shoe 31 is provided with protuberance 311; The two ends of chip body 20 are respectively equipped with the first groove 21, second groove 22 for embedding lug boss 12, protuberance 311; Card body 10 is provided with the sliding cavity 13 for loading sliding shoe 31.
Being provided with the elastic component be positioned at bottom sliding shoe 31 in sliding cavity 13, is elastic sheet metal 14 in the present embodiment.
Also comprise the sliding pin 40 be arranged between card body 10 and sliding shoe 31, card body 10 is provided with the slip straight trough 15 vertical with glide direction, and sliding shoe 31 is provided with the slip skewed slot 312 crossing with straight trough 15 bevel that slides.
Both sides in slip skewed slot 312 are provided with positioning convex strip (not shown), and sliding pin 40 is provided with the location scrobicular ring for embedding positioning convex strip, and the two forms slip cooperating relationship, can prevent sliding pin from taking off out.
In order to prevent sliding pin when being in locking state further, not producing displacement, raised points can also be provided with in the both sides of slip straight trough, to make sliding pin when locking position, be not moved.
As shown in Figure 3 and Figure 4, a kind of intelligent terminal 90 realizing bank card wireless payment of the present invention, comprise the slot 91 for inserting bank card chip body, and the application processing module 92 to be electrically connected with slot 91, and with the closely non-contact communication module of application processing module 92, in the present embodiment, closely non-contact communication module is NFC module 93.Also comprise the input key 94 and fingerprint sensor 95 that are connected with application processing module 92.Wherein, application processing module is the master chip circuit of intelligent terminal.
In other embodiment, closely non-contact communication module also can adopt other the RFID module closely used.
A kind of bank card of the present invention carries out the method for wireless payment by intelligent terminal, the method adopts the IC card type bank card chip body with electrical pickoff, inserted in the slot be provided with in intelligent terminal by IC card type bank card chip body, the application processing module due to intelligent terminal completes the identification to IC card type bank card chip body; Further comprising the steps of:
Step 1, intelligent terminal is closely positioned over the radio frequency operation field of accepting terminal by user, and accepting terminal sends order to obtain the data message of initiating exchange and needing to the closely non-contact communication module of intelligent terminal;
Step 2, closely non-contact communication module receives the order that accepting terminal is initiated, and converts simulating signal to digital signal by application processing module and be transmitted to bank card chip body;
Step 3, bank card chip body responds the digital signal order received, and returns response results to closely non-contact communication module;
Step 4, closely non-contact communication module converts the digital signal that bank card chip body returns to simulating signal and returns to accepting terminal;
Step 5, accepting terminal obtains the information of bank card chip body;
Wherein, step 1 is to step 4, and intelligent terminal need keep closely being positioned over radio frequency operation field.
Wherein, intelligent terminal is preferably smart mobile phone; Closely non-contact communication module is preferably NFC module.
Wherein, also comprise the step (this step according to the needs of transaction, can be located between different steps) of encrypted message input, encrypted message is numerical ciphers or finger-print cipher, and encrypted message inputs from accepting terminal, also can input from intelligent terminal.Wherein, be no matter from the encrypted message of intelligent terminal input be numerical ciphers, or finger-print cipher; When inputting encrypted message, intelligent terminal all departs from the constraint of accepting terminal, after carrying out the input of password, then puts back to the induction region of accepting terminal (i.e. POS) outside at a distance.From intelligent terminal input encrypted message time, not easily stolen a glance at by them, also not easily other people equipment stolen.Use safer.
Below for utilizing the specific embodiment of the remaining sum of mobile phones enquiring bank card to illustrate, its main flow is:
1 selects noncontact consumption;
2 put the cell phone to the radio-frequency field of POS;
3 selective gist;
4 mobile phone responses, select application data, comprising: NFC module converts selective gist simulating signal to digital signal, digital signal IC-card (i.e. slot) contact is sent to bank card chip body by mobile phone, bank card chip body returns selective gist response data (these data are digital signal), and digital signal is converted to simulating signal and sends out confused to accepting terminal (i.e. POS) by NFC module again;
5 records reading bank card;
6 mobile phone responses, read record data, comprising: NFC module converts read record simulating signal to digital signal, digital signal is sent to bank card chip body by IC-card contact by mobile phone, bank card chip body returns and reads recording responses data (these data are digital signal), and NFC module converts digital signal to simulating signal and issues accepting terminal;
7 fetch data;
8 mobile phone responses, fetch data, comprising: NFC module converts data analog signal to digital signal, digital signal is sent to bank card chip body by IC-card contact by mobile phone, bank card chip body returns response data of fetching data (these data are digital signal), and NFC module converts digital signal to simulating signal and issues accepting terminal;
Wherein, the instruction that relates to of mobile phones enquiring remaining sum is as follows:
1: application choice (SELECT)
2: read record (READ RECORD)
3: fetch data (GET DATA)
1: application choice (SELECT)
Application choice determines the transaction that should be used for selecting which card and terminal all to support.This process is divided into two steps:
Step 1: terminal sets up the list of application that terminal and card are all supported;
Step 2: determine that from list one should be used for processing transaction.
Concrete implementation is as follows:
Step 1: card receives selection (SELECT) order that is carried out self terminal, request selecting PSE (filename " 1PAY.SYS.DDF01 ");---if card locking or selection (SELECT) order are not supported, card response SW1SW2=" 6A81 ";---if do not have PSE in card, card response selects (SELECT) order to point out that file does not exist (SW1SW2=" 6A82 ");---if PSE locks, card response " 6283 ";
---if PSE finds, and card response " 9000 " returns the FCI of PSE.
Step 2: if PSE finds, what card receiving terminal sent shows that the read record (READ RECORD) of short file identification and recording mechanism is ordered, and card is to the record content of each read record (READ RECORD) command response request and return state word SW1SW2=" 9000 ".When the record of request does not exist, card returns SW1SW2=" 6A83 ";
Step 3: each entrance in terminal processes record.If entrance shows a DDF, terminal sends out one has the selection (SELECT) of this DDF name to order, the FCI of card response DDF.FCI comprises the SFI of a catalogue file.Terminal reads all records belonged in the catalogue file of this DDF, and card returns record and the status word " 9000 " of request to each read record (READRECORD) order.When the record of request does not exist, card response " 6A83 ", terminal return step 2 continue to read PSE under catalogue file.
2: read record (READ RECORD)
Read record (READ RECORD) order reads a file record from a linear file.
The record will comprising this and be read out from the response that IC-card returns.The order that card receives comprises short file identifier (SFI) and recording mechanism.Record content in card response data file.
3: fetch data (GET DATA)
(GET DATA) order of fetching data is used for from current application, obtain a master data object be not encapsulated in record.(GET DATA) order of fetching data can be used for obtaining in master data object ATC (label is " 9F36 "), online ATC register last time (label is " 9F13 ") or PIN retryCounter (label is " 9F17 "), journal format (label is " 9F4F "), card remaining sum etc.
In sum, bank card is designed to split-type structural by the present invention, both can become as a whole with card body, for the traditional business of banking system, and depositing and withdrawing of such as ATM; Also can be taken out, be inserted in the slot of Portable intelligent terminal (such as mobile phone, panel computer), contactless mobile payment is realized by Portable intelligent terminal, greatly increase user in the portability using bank card process, thus be conducive to the frequency of utilization improving mobile payment, reduce the use of bank note, not only environmental protection but also energy-conservation.In contactless process of exchange, encrypted message can also be inputted by intelligent terminal, owing to being the equipment self held, in encrypted message input process, effectively can prevent the leakage of encrypted message.
Above-mentionedly only further illustrate technology contents of the present invention with embodiment, so that reader is easier to understand, but does not represent embodiments of the present invention and be only limitted to this, any technology done according to the present invention extends or recreation, all by protection of the present invention.Protection scope of the present invention is as the criterion with claims.
Claims (7)
1. a split type bank card structure, is characterized in that comprising card body, and the chip body that connect removable with card body, and described card body is provided with the dead slot for accommodating chip body; One end of described dead slot is provided with lug boss, and the other end is provided with movable convex buckle mechanism, and described movable convex buckle mechanism comprises and is embedded at the intrinsic sliding shoe of card, and the outer end of sliding shoe is provided with protuberance; The two ends of described chip body are respectively equipped with for embedding lug boss, the first groove of protuberance, the second groove; Described card body is provided with the sliding cavity for loading sliding shoe; The elastic component be positioned at bottom sliding shoe is provided with in described sliding cavity; Also comprise the sliding pin be arranged between card body and sliding shoe, described card body is provided with the slip straight trough vertical with glide direction, and described sliding shoe is provided with the slip skewed slot crossing with the straight trough bevel that slides; The raised points for preventing sliding pin from producing displacement when being in locking state is also provided with in the both sides of slip straight trough.
2. split type bank card structure according to claim 1, is characterized in that the both sides in described slip skewed slot are provided with positioning convex strip, and described sliding pin is provided with the location scrobicular ring for embedding positioning convex strip.
3. one kind realizes the intelligent terminal of split type bank card structure wireless payment according to claim 1, it is characterized in that the slot comprised for inserting bank card chip body, and the application processing module to be electrically connected with slot, and the closely non-contact communication module be electrically connected with application processing module.
4. a split type bank card structure according to claim 1 carries out the method for wireless payment by intelligent terminal, the method adopts the IC card type bank card chip body with electrical pickoff, IC card type bank card chip body is inserted in the slot be provided with in intelligent terminal, completes the identification to IC card type bank card chip body by the application processing module of intelligent terminal; Further comprising the steps of:
Step 1, intelligent terminal is closely positioned over the radio frequency operation field of accepting terminal by user, and accepting terminal sends order to obtain the data message of initiating exchange and needing to the closely non-contact communication module of intelligent terminal;
Step 2, closely non-contact communication module receives the order that accepting terminal is initiated, and converts simulating signal to digital signal by application processing module and be transmitted to bank card chip body;
Step 3, bank card chip body responds the digital signal order received, and returns response results to closely non-contact communication module;
Step 4, closely non-contact communication module converts the digital signal that bank card chip body returns to simulating signal and returns to accepting terminal;
Step 5, accepting terminal obtains the information of bank card chip body;
Wherein, step 1 is to step 4, and intelligent terminal need keep closely being positioned over radio frequency operation field.
5. method according to claim 4, is characterized in that described intelligent terminal is smart mobile phone; Described closely non-contact communication module is NFC module.
6. method according to claim 4, it is characterized in that described step also comprises encrypted message input, described encrypted message is numerical ciphers or finger-print cipher, and described encrypted message inputs from accepting terminal.
7. method according to claim 4, it is characterized in that described step also comprises encrypted message input, described encrypted message is numerical ciphers or finger-print cipher, and described encrypted message inputs from intelligent terminal; Described intelligent terminal comprises the input key and fingerprint sensor that are connected with application processing module; During input encrypted message, intelligent terminal and accepting terminal keep remote.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210286462.5A CN102831733B (en) | 2012-08-13 | 2012-08-13 | Split type bank card structure and a method for realizing wireless payment through intelligent terminal |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201210286462.5A CN102831733B (en) | 2012-08-13 | 2012-08-13 | Split type bank card structure and a method for realizing wireless payment through intelligent terminal |
Publications (2)
| Publication Number | Publication Date |
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| CN102831733A CN102831733A (en) | 2012-12-19 |
| CN102831733B true CN102831733B (en) | 2015-06-10 |
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| CN201210286462.5A Expired - Fee Related CN102831733B (en) | 2012-08-13 | 2012-08-13 | Split type bank card structure and a method for realizing wireless payment through intelligent terminal |
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Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN202854950U (en) * | 2012-08-13 | 2013-04-03 | 深圳市新国都技术股份有限公司 | Split type bank card structure and intelligent terminal |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JPS6370392A (en) * | 1986-09-12 | 1988-03-30 | Toppan Printing Co Ltd | Connector for ic card |
| FR2773900B1 (en) * | 1998-01-22 | 2000-02-18 | Gemplus Card Int | CARD WITH INTEGRATED CONTACT CIRCUIT (S), COMPRISING A DETACHABLE MINICARD |
| JP2001076105A (en) * | 1999-09-08 | 2001-03-23 | Toppan Printing Co Ltd | Plug-in ic card and its manufacture |
| EP1358639A1 (en) * | 2001-02-08 | 2003-11-05 | Nokia Corporation | Smart card reader |
| EP2650834A1 (en) * | 2002-04-24 | 2013-10-16 | SK Planet Co., Ltd. | Battery pack for a mobile terminal equipped with an RF antenna |
| JP5738844B2 (en) * | 2009-05-03 | 2015-06-24 | ロゴモーション エス．アール．オー．Ｌｏｇｏｍｏｔｉｏｎ Ｓ．Ｒ．Ｏ． | Payment terminals that use mobile communication devices such as mobile phones, automatic account settlement transaction methods |
| CN102385713B (en) * | 2010-09-01 | 2016-01-06 | 深圳富泰宏精密工业有限公司 | Chip bank card and use its mobile phone |
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2012
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Patent Citations (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN202854950U (en) * | 2012-08-13 | 2013-04-03 | 深圳市新国都技术股份有限公司 | Split type bank card structure and intelligent terminal |
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