CN103489028A - Financial IC card and multi-protocol communication system and method - Google Patents
Financial IC card and multi-protocol communication system and method Download PDFInfo
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- CN103489028A CN103489028A CN201310461065.1A CN201310461065A CN103489028A CN 103489028 A CN103489028 A CN 103489028A CN 201310461065 A CN201310461065 A CN 201310461065A CN 103489028 A CN103489028 A CN 103489028A
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Abstract
The invention discloses a financial IC card which comprises a financial IC chip and a multi-protocol communication module. The multi-protocol communication module is used for carrying out communication through a multi-protocol communication mode and carrying out information interaction with the financial IC chip. The financial IC chip is used for storing information of users, and receiving signature information. The invention further provides a multi-protocol communication system and method. The financial IC card, the system and the method can carry out communication with a banking system through the multi-protocol communication mode and through terminal equipment, on one hand, the problem that the financial IC card cannot be used due to the fact that the number of POS terminals is insufficient, and on the other hand, communication is made to be more reliable by carrying out information transmission through the multi-protocol communication mode. According to the technical scheme, the problem that the financial IC card cannot be further popularized and used in the existing technical scheme is solved, and the financial IC card is made to be more convenient to use.
Description
Technical field
The present invention relates to the financial transaction field, in particular, relate to a kind of financial IC card, Multi-protocol communication system and method.
Background technology
The fast development of China's economic, the issued volume of financial IC card also presents the pattern of exponential increase, but at present 10,000,000 of the POS terminal less thaies of financial IC card can be accepted in the whole nation, and wherein can use contactless access only have 1/8th of POS terminal, due to the deficiency of POS terminal, popularization and the use of financial IC card have been hindered.Along with the development of electronic industry, increasing people has the intelligent terminal of oneself, if can realize swiping the card of intelligent terminal, this will lay the foundation for financial leap.
Therefore, need a kind of financial IC card, Multi-protocol communication system and method, can overcome POS terminal quantity deficiency and the popularization of obstruction financial IC card and the problem of use.
Summary of the invention
The object of the present invention is to provide a kind of financial IC card, Multi-protocol communication system and method, be intended to solve the not enough and problem that can't use that financial IC card is concluded the business etc. of POS terminal quantity in prior art.
In order to realize purpose of the present invention, a kind of financial IC card, is characterized in that, comprises financial IC chip and multi-protocol communication module;
Described multi-protocol communication module is used for carrying out communication by the multi-protocol communication mode, and carries out information interaction with financial IC chip;
Described financial IC chip is for storing user's information, and the reception signing messages.
Further, multi-protocol communication module comprises: unit, coding and decoding unit and information transfer unit are set up in communication;
Unit is set up in described communication, for by multi-protocol communication mode and terminal device, setting up short distance communication, is connected;
Described coding and decoding unit, encoded for the information of the financial IC chip to receiving, and the information of the terminal device that receives is decoded;
Described information transfer unit, for transmitting the information between terminal device and financial IC chip.
Preferably, described multi-protocol communication module also comprises micro-control unit, for controlling multi-protocol communication module, selects the multi-protocol communication mode; Described multi-protocol communication mode comprises Wi-Fi, bluetooth and NFC.
Preferably, describedly set up communication and be connected to short-distance wireless communication and connect.
In order better to realize the present invention, a kind of Multi-protocol communication system also is provided, it is characterized in that financial IC card, terminal device and banking system;
Described terminal device is connected with financial IC card with banking system respectively by wireless communication mode;
Described financial IC card comprises financial IC chip and multi-protocol communication module;
Described multi-protocol communication module is used for carrying out communication by multi-protocol communication mode and terminal device, and carries out information interaction with financial IC chip;
Described financial IC chip is for storing user's information, and the reception signing messages;
Described banking system is for confirming signing messages, carrying out delivery operation and payment result information is issued to terminal device.
Preferably, multi-protocol communication module comprises: unit, coding and decoding unit and information transfer unit are set up in communication;
Unit is set up in described communication, for by multi-protocol communication mode and terminal device, setting up short distance communication, is connected;
Described coding and decoding unit, encoded for the information of the financial IC chip to receiving, and the information of the terminal device that receives is decoded;
Described information transfer unit, for transmitting the information between terminal device and financial IC chip.
Preferably, described terminal device is connected with financial IC card by Wi-Fi communication modes or bluetooth communication mode or NFC communication modes; Described terminal device is connected with banking system by 3G communication modes or Wi-Fi communication modes.
In above-mentioned arbitrary technical scheme, described terminal device comprises middle control module, WIFI module, bluetooth module and NFC module;
Described multi-protocol communication module also comprises micro-control unit, WIFI unit, bluetooth unit and NFC unit;
Described middle control module is for searching for attachable financial IC card, and controls successively the WIFI module and set up a kind of communication with bluetooth unit, NFC module with the NFC unit with WIFI unit, bluetooth module and be connected.
The present invention also provides a kind of multi-protocol communication method, comprising: S1, terminal device are searched for attachable financial IC card, and set up short distance communication by multi-protocol communication mode and financial IC card and be connected; S2, terminal device create payment information to be signed, and payment information that will be to be signed sends to financial IC card; S3, financial IC card are delivered to terminal device by signing messages, and terminal device sends the request of payment to banking system; S4, banking system are confirmed signing messages, and carry out delivery operation, and payment result information is sent to terminal device.S5, terminal device prompting payment result.
Wherein, described terminal device comprises middle control module, WIFI module, bluetooth module and NFC module;
Described multi-protocol communication module also comprises micro-control unit, WIFI unit, bluetooth unit and NFC unit;
Described middle control module is for searching for attachable financial IC card, and controls successively the WIFI module and set up a kind of communication with bluetooth unit, NFC module with the NFC unit with WIFI unit, bluetooth module and be connected.
Preferably, described multi-protocol communication mode specifically comprises: Wi-Fi, bluetooth and NFC.
Preferably, described S3 specifically comprises: signing messages is delivered to terminal device, and terminal device sends the request of payment to the banking system backstage by wireless mode;
Described wireless mode comprises 3G and Wi-Fi.
Financial IC card of the present invention can carry out communication by terminal device and banking system by the mode of multi-protocol communication, can overcome the problem that can't use financial IC card because the POS terminal quantity is not enough on the one hand, carry out the information transmission by the multi-protocol communication mode on the other hand, make communication more reliable.This technical scheme has solved the problem that in the prior art scheme, financial IC card can't further be promoted and use, and makes financial IC card use more convenient.
The accompanying drawing explanation
Fig. 1 is the structural representation of financial IC card in first embodiment of the invention.
Fig. 2 is the detailed construction schematic diagram of financial IC card in first embodiment of the invention.
Fig. 3 is the structural representation of Multi-protocol communication system in second embodiment of the invention.
Fig. 4 is the detailed construction schematic diagram of Multi-protocol communication system in second embodiment of the invention.
Fig. 5 is the means of communication schematic diagram of multi-protocol communication method in third embodiment of the invention.
Embodiment
In order to make the object of the invention, technical scheme and advantage clearer, clear, below in conjunction with accompanying drawing, be explained.
Wi-Fi described in the present invention be a kind of can be by terminals such as PC, handheld devices (as panel computer, mobile phone) with the interconnected technology of wireless mode.Bluetooth is the radiotelegraphy of a kind of support equipment short haul connection (generally in the 10m scope), can carry out swap data comprising between numerous equipment such as mobile phone, panel computer, wireless headset, notebook computer, relevant peripheral hardware.NFC(Near Field Communication, near field communication (NFC)) also referred to as near-field communication, be a kind of short-range high frequency wireless communication technology, allow to carry out contactless Point-to-Point Data Transmission (generally in the 10cm scope) swap data between electronic equipment.
In conjunction with Fig. 1 and Fig. 2, the present invention proposes an embodiment.A kind of financial IC card comprises: multi-protocol communication module 1 and financial IC chip 2.
(1) multi-protocol communication module 1, for by the multi-protocol communication mode, carrying out communication, and carries out information interaction with financial IC chip.
(2) financial IC chip, for storing user's information, and receive signing messages.
In the technical program, the signature result of finance IC chip can be transmitted by the mode of multi-protocol communication, can overcome the problem that can't use financial IC card because the POS terminal quantity is not enough on the one hand, carry out the information transmission by the multi-protocol communication mode on the other hand, make communication more reliable.This technical scheme has solved the problem that in the prior art scheme, financial IC card can't further be promoted and use, and makes financial IC card use more convenient.
Wherein, the financial IC card in the present embodiment is for can be used for carrying out bank card or the credit card of financial transaction arbitrarily, and the financial IC card in the present embodiment can be set up multiple communication modes by multi-protocol communication with terminal device.
Further, described financial IC chip is without particular restriction.Preferably, described financial IC chip comprises the chip that stores customer bank information.
Further, multi-protocol communication module comprises: unit 11, coding and decoding unit 12 and information transfer unit 13 are set up in communication.Wherein: unit 11 is set up in (1) communication, for by multi-protocol communication mode and terminal device, setting up short distance communication, is connected; (2) the coding and decoding unit 12, for the information of the financial IC chip to receiving, encoded, and the information of the terminal device that receives is decoded; (3) the information transfer unit 13, for transmitting the information between terminal device and financial IC chip, being also information transfer unit 12 passes to financial IC chip for the information of the transmission by decoded terminal device, and the information that the financial IC chip after coding is sent passes to terminal device.In the technical program, communication is set up unit and is set up short distance communication with terminal device and be connected, after successful connection, the signature request (being also the payment information request) that information transfer unit receiving terminal apparatus sends, decoded to the information that comprises signature request received in the coding and decoding unit, the information transfer unit sends to financial IC chip by decoded information; The finance IC chip result of sign returns to the coding and decoding unit, is encoded to the result of signing in the coding and decoding unit, and the signature object information after coding sends to terminal device by the information transfer unit.
Further, described multi-protocol communication module 1 also comprises micro-control unit, for controlling multi-protocol communication module, selects the multi-protocol communication mode.Particularly, described multi-protocol communication module also comprises micro-control unit, for controlling multi-protocol communication module, selects the multi-protocol communication mode.Wherein, multiple kinds includes but not limited to short-range communication modes such as Wi-Fi, bluetooth and NFC.Carry out communication by short-range communication modes, make the reliability of information communication higher, more stable.
In conjunction with Fig. 3 and Fig. 4, the present invention proposes the second embodiment, and a kind of Multi-protocol communication system comprises financial IC card 1, terminal device 2 and banking system 3.
(1) terminal device 2 is connected with financial IC card with banking system respectively by wireless mode.
(2) financial IC card comprises financial IC chip 12 and multi-protocol communication module 11.Multi-protocol communication module 11 is for by multi-protocol communication mode and terminal device 2, carrying out communication, and carries out information interaction with financial IC chip 12; Described financial IC chip 12 is for storing user's information, and the reception signing messages.
(3) banking system 3 is for confirming signing messages, carry out delivery operation and payment result information being issued to terminal device 2.
Technique scheme of the present invention, by terminal device, realize financial IC card is swiped the card, can overcome on the one hand due to the not enough problem that can't use financial IC card existed of POS machine, financial IC card carries out the information transmission by multi-protocol communication mode and terminal device on the other hand, makes communication more reliable.
In the present embodiment, described terminal device 2 is without particular restriction; Preferably, described terminal device 2 includes but not limited to smart mobile phone, panel computer, notebook computer etc.Wherein, described terminal device 2 can comprise application software, and this application software is controlled the foundation of multi-protocol communication.Described financial IC card 1 is also without particular restriction; Preferably, described financial IC card 1 includes but not limited to bank card or the credit card for carrying out financial transaction.
Further, described multi-protocol communication module 11 comprises: unit, coding and decoding unit and information transfer unit are set up in communication.Wherein: unit is set up in described communication, for by multi-protocol communication and terminal device, setting up short distance communication, is connected; Described coding and decoding unit, encoded for the information of the financial IC chip to receiving, and the information of the terminal device that receives is decoded; Described information transfer unit, for transmitting the information between terminal device and financial IC chip, also pass to financial IC chip for the information of the transmission by decoded terminal device, and the information that the financial IC chip after coding is sent passes to terminal device.
Wherein, above-mentioned terminal device 2 is connected with financial IC card with banking system respectively by wireless mode.Described wireless mode is without particular restriction.Preferably, described terminal device is connected with financial IC card by Wi-Fi communication modes or bluetooth communication mode or NFC communication modes; Described terminal device is connected with banking system by 2G, 3G or Wi-Fi communication modes.
In above-mentioned arbitrary technical scheme of the present embodiment, described terminal device comprises middle control module, WIFI module, bluetooth module and NFC module; Described multi-protocol communication module comprises micro-control unit, WIFI unit, bluetooth unit and NFC unit.Wherein:
(1) described middle control module is for searching for attachable financial IC card, and controls successively the WIFI module and be connected with the NFC unit with bluetooth unit, NFC module with WIFI unit, bluetooth module.Wherein, described three kinds of connected modes can be set up arbitrarily a kind of connected mode and carry out communication.
(2) described micro-control unit connects for the multi-protocol communication of controlling financial IC card.
In the technique scheme of the present embodiment, terminal device and financial IC card can carry out communication by short distance, and multiple communication modes can be arranged, in the situation that guarantee normal communication, and also can be so that communication be more reliable.
Based on the second embodiment, in conjunction with Fig. 5, the present invention proposes the 3rd embodiment, a kind of multi-protocol communication method, it can comprise the following steps: S1, terminal device are searched for attachable financial IC card, and set up short distance communication by multi-protocol communication mode and financial IC card and be connected.
When terminal device receives the payment request, terminal device is searched for attachable financial IC card.
S2, terminal device create payment information to be signed, and payment information that will be to be signed sends to financial IC card.
Payment information described the to be signed information such as the amount of money, bank card password input that include but not limited to swipe the card.Wherein, after financial IC card receives signature request, carry out information decoding, and the signature request of decoding is issued to financial IC chip, financial IC chip is signed, and returns to the signature result.
S3, financial IC card are delivered to terminal device by signing messages, and terminal device sends the request of payment to banking system.
Wherein, signing messages includes but not limited to the information such as bank card number, password.
This step is specially: signing messages is delivered to terminal device, and terminal device sends the request of payment to the banking system backstage by wireless mode.Wherein said wireless mode includes but not limited to 2G, 3G and Wi-Fi.
S4, banking system are confirmed signing messages, and carry out delivery operation, and payment result information is sent to terminal device.
Banking system confirms whether signing messages mates, if coupling is carried out delivery operation, otherwise refusal to pay, also i.e. this payment transaction failure.
S5, terminal device prompting payment result information.Wherein, described payment result information comprises: pay successful information and pay failed information.
Wherein, terminal device is connected with financial IC card with banking system respectively by wireless communication mode; Described financial IC card comprises financial IC chip and multi-protocol communication module; Described multi-protocol communication module is used for carrying out communication by multi-protocol communication mode and terminal device, and carries out information interaction with financial IC chip; Described financial IC chip is for storing user's information, and the reception signing messages; Described banking system is for confirming signing messages, carrying out delivery operation and payment result information is issued to terminal device.
In technique scheme of the present invention, described financial IC card comprises multi-protocol communication module and financial IC chip.Described financial IC chip is for storing user's bank information.Described multi-protocol communication module is used for carrying out communication by the multi-protocol communication mode, and carries out information interaction with financial IC chip.
Technique scheme of the present invention, can realize that financial IC card carries out bank paying by terminal device, thereby overcome the problem that can't complete payment transaction that in the prior art, POS machine deficiency is brought.And financial IC card of the present invention can be connected by multi-protocol communication, thereby make the connection of financial IC card more convenient.
In the present embodiment, described terminal device is without particular restriction.Preferably, described terminal device includes but not limited to smart mobile phone, panel computer, notebook computer etc.Described financial IC card is also without particular restriction.Preferably, described financial IC card includes but not limited to bank card or the credit card for carrying out financial transaction.
Further, described multi-protocol communication mode comprises Wi-Fi, bluetooth and NFC.Described terminal device is connected with financial IC card by any in Wi-Fi, bluetooth and NFC.The technical program, realize the connection of terminal device and financial IC card by short distance, this makes connection more reliable.
Further, described S3 specifically comprises: signing messages is delivered to terminal device, and terminal device sends the request of payment to the banking system backstage by wireless mode.Wherein said wireless mode includes but not limited to 2G, 3G and WIFI.
Above are only preferred embodiment of the present invention, be not limited to the present invention, all any modifications of making within the spirit and principles in the present invention, be equal to substitutions and modifications etc., within all should being included in the scope of protection of the invention.
Claims (10)
1. a financial IC card, is characterized in that, comprises financial IC chip and multi-protocol communication module;
Described multi-protocol communication module is used for carrying out communication by the multi-protocol communication mode, and carries out information interaction with financial IC chip;
Described financial IC chip is for storing user's information, and the reception signing messages.
2. financial IC card according to claim 1, is characterized in that, multi-protocol communication module comprises: unit, coding and decoding unit and information transfer unit are set up in communication;
Unit is set up in described communication, for by multi-protocol communication mode and terminal device, setting up communication, is connected;
Described coding and decoding unit, encoded for the information of the financial IC chip to receiving, and the information of the terminal device that receives is decoded;
Described information transfer unit, for transmitting the information between terminal device and financial IC chip.
3. financial IC card according to claim 1 and 2, is characterized in that, described multi-protocol communication module also comprises micro-control unit, for controlling multi-protocol communication module, selects the multi-protocol communication mode; Described multi-protocol communication mode comprises Wi-Fi, bluetooth and NFC.
4. financial IC card according to claim 2, is characterized in that, describedly sets up communication and be connected to short-distance wireless communication and connect.
5. a Multi-protocol communication system, is characterized in that, financial IC card, terminal device and banking system;
Described terminal device is connected with financial IC card with banking system respectively by wireless communication mode;
Described financial IC card comprises financial IC chip and multi-protocol communication module;
Described multi-protocol communication module is used for carrying out communication by multi-protocol communication mode and terminal device, and carries out information interaction with financial IC chip;
Described financial IC chip is for storing user's information, and the reception signing messages;
Described banking system is for confirming signing messages, carrying out delivery operation and payment result information is issued to terminal device.
6. Multi-protocol communication system according to claim 5, is characterized in that, multi-protocol communication module comprises: unit, coding and decoding unit and information transfer unit are set up in communication;
Unit is set up in described communication, for by multi-protocol communication mode and terminal device, setting up short distance communication, is connected;
Described coding and decoding unit, encoded for the information of the financial IC chip to receiving, and the information of the terminal device that receives is decoded;
Described information transfer unit, for transmitting the information between terminal device and financial IC chip.
7. Multi-protocol communication system according to claim 5, is characterized in that, described terminal device passes through Wi-Fi communication modes or bluetooth communication mode or NFC communication modes and is connected with financial IC card; Described terminal device is connected with banking system by 3G communication modes or Wi-Fi communication modes.
8. according to the described Multi-protocol communication system of any one in claim 5 to 7, it is characterized in that, described terminal device comprises middle control module, WIFI module, bluetooth module and NFC module;
Described multi-protocol communication module also comprises micro-control unit, WIFI unit, bluetooth unit and NFC unit;
Described middle control module is for searching for attachable financial IC card, and controls successively the WIFI module and set up a kind of communication with bluetooth unit, NFC module with the NFC unit with WIFI unit, bluetooth module and be connected.
9. the multi-protocol communication method based on Multi-protocol communication system claimed in claim 5, is characterized in that, comprising:
S1, terminal device are searched for attachable financial IC card, and set up short distance communication by multi-protocol communication mode and financial IC card and be connected;
S2, terminal device create payment information to be signed, and payment information that will be to be signed sends to financial IC card;
S3, financial IC card are delivered to terminal device by signing messages, and terminal device sends the request of payment to banking system;
S4, banking system are confirmed signing messages, and carry out delivery operation, and payment result information is sent to terminal device;
S5, terminal device prompting payment result.
10. multi-protocol communication method according to claim 9, is characterized in that, described multi-protocol communication mode specifically comprises: Wi-Fi, bluetooth and NFC.
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| CN103489028B (en) | 2017-01-04 |
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