CN103714376A - Mobile payment intelligent card - Google Patents
Mobile payment intelligent card Download PDFInfo
- Publication number
- CN103714376A CN103714376A CN201310713343.8A CN201310713343A CN103714376A CN 103714376 A CN103714376 A CN 103714376A CN 201310713343 A CN201310713343 A CN 201310713343A CN 103714376 A CN103714376 A CN 103714376A
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- China
- Prior art keywords
- intelligent card
- swp
- mobile payment
- antenna
- nfc
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3229—Use of the SIM of a M-device as secure element
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
- G07F7/0833—Card having specific functional components
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/0806—Details of the card
- G07F7/0833—Card having specific functional components
- G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
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- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Accounting & Taxation (AREA)
- General Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Hardware Design (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Credit Cards Or The Like (AREA)
- Telephone Function (AREA)
Abstract
The invention relates to a mobile payment intelligent card, and belongs to the technical field of an intelligent card. A conventional mobile payment intelligent card cannot simultaneously support a non-NFC-SWP hand-held terminal and an NFC-SWP hand-held terminal. The mobile payment intelligent card in the invention is integrated with a double-interface intelligent card chip, an RF antenna and an SWP intelligent card chip. The mobile payment intelligent card further comprises a safety module and a non-contact front-end amplifier. The SWP intelligent card chip is arranged in the safety module. The mobile payment intelligent card in the invention can not only support the non-NFC-SWP hand-held terminal, but also can support the NFC-SWP hand-held terminal; and, non-contact experience of a user can be satisfied by the intelligent card without externally connecting with the RF antenna.
Description
Technical field
The invention belongs to technical field of intelligent card, be specifically related to a kind of mobile payment intelligent card.
Background technology
Existing mobile payment intelligent card can integrated Double interface intelligent card chip and RF (Radio Frequency, less radio-frequency) antenna, and this RF antenna can be external, also can be integrated in smart card base; Or integrated SWP (Single Wire Protocol, single-wire-protocol) intelligent card chip, RF antenna is integrated on handheld terminal.
Above-mentioned two kinds of mobile payment intelligent cards can be realized the wireless data communication of mobile payment intelligent card and POS, and wherein SWP protocol mode is the standard solution of ETSI tissue definition.With respect to two interface movement, pay smart card, the RF antenna of its non-contact function is realized part and is provided by handheld terminal, rather than realize by the integrated RF antenna of double-interface card itself.
But there is following shortcoming in prior art:
(1) mobile payment intelligent card of the integrated Double interface intelligent card chip of the first is applicable to most of handheld terminals, but does not support the non-contact function of NFC-SWP terminal, can not meet the need of market;
(2) mobile payment intelligent card of the integrated SWP intelligent card chip of the second is applicable to NFC-SWP terminal, but to not supporting the non-contact function of non-NFC-SWP terminal, can not meet the need of market.
In prior art, also have a kind of many interface mobile payment intelligent cards, support integrated Double interface intelligent card chip and SWP intelligent card chip simultaneously, but can RF antenna need to support NFC-SWP chip according to handheld terminal, and carry out outside weldings or do not weld.These many interface mobile payment intelligent cards need user's external antenna to be unfavorable for marketing, cannot meet the demand in user's experience;
On present stage market, support that the handheld terminal of SWP function is less, a large amount of on market what exist is non-NFC-SWP handheld terminal, but along with the development of mobile communication technology and mobile payment technology, the quantity of NFC-SWP handheld terminal also can get more and more.
For above-mentioned situation, realize a kind of mobile payment intelligent card and both can support non-NFC-SWP handheld terminal, can support NFC-SWP handheld terminal again, and the noncontact that does not need the smart card of external RF antenna just can meet user experiencing, is very urgent.
Summary of the invention
For the defect existing in prior art, the object of this invention is to provide a kind of mobile payment intelligent card.This smart card can either be supported non-NFC-SWP handheld terminal, can support NFC-SWP handheld terminal again, and the noncontact that does not need the smart card of external RF antenna just can meet user is experienced.
For reaching above object, the technical solution used in the present invention is:
A kind of mobile payment intelligent card, be integrated with Double interface intelligent card chip and RF antenna, described mobile payment intelligent card is also integrated SWP intelligent card chip, comprises security module, contactless front-end amplifier, and described SWP intelligent card chip is arranged in security module.
Further, described RF antenna adopts built-in mode, built-in RF power amplification chip in antenna.
Or described RF antenna adopts external mode.
Further, when described mobile payment intelligent card is connected use with non-NFC-SWP terminal, utilize the RF antenna that is integrated in mobile payment intelligent card to carry out contactless communication; When described mobile payment intelligent card is connected use with NFC-SWP terminal, by SWP intelligent card chip and NFC-SWP terminal, communicate, also can utilize the RF antenna that is integrated in NFC-SWP terminal to carry out contactless communication.
Further, described security module is comprised of one or more safety chips, and described contactless front-end amplifier is comprised of one or more chips, and described SWP function is realized by one or more SWP intelligent card chips.
Further, described security module, for authentication, is communicated by letter with non-contact front-end amplifier by universal input/output interface, selects to have the SE of GPIO interface, thereby realizes the data communication of SE and ACLF.
Further, described contactless front-end amplifier is directly connected with RF radio-frequency antenna, and wherein SWP is responsible for processing Physical layer and data link layer logic.
Further, described contactless front-end amplifier is connected with the contactless front end of handheld terminal by single-wire-protocol, and wherein SWP is responsible for processing Physical layer and data link layer logic.
Effect of the present invention is: adopt mobile payment intelligent card of the present invention, both can support non-NFC-SWP handheld terminal, can support NFC-SWP handheld terminal again, and the noncontact that does not need the smart card of external RF antenna just can meet user is experienced.
Accompanying drawing explanation
Fig. 1 be a kind of mobile payment intelligent card of the present invention (SIM) structure and with the connection diagram of handheld terminal.
Embodiment
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
Product design of the present invention comprises double-interface smart card function, SWP intelligent card function and RF radio-frequency antenna function.
Fig. 1 is the structural drawing of a kind of mobile payment intelligent card of the present invention (SIM) 10 and is connected signal with the structure of handheld terminal (Handset) 20.
As shown in Figure 1, a kind of mobile payment intelligent card, be integrated with Double interface intelligent card chip, SWP intelligent card chip and RF antenna, comprise security module (SE), contactless front-end amplifier (ACLF), RF radio-frequency antenna (ANT), in wherein said security module (SE), be provided with SWP intelligent card chip, support SWP function, the structure of described RF antenna can be built-in RF power amplification chip and RF antenna, can be also the design of the multiple RF antenna structures such as external RF antenna.
In the present embodiment, the integrated RF antenna of described mobile payment intelligent card itself, can adapt to NFC-SWP terminal and non-NFC-SWP terminal, when described mobile payment intelligent card is connected use with non-NFC-SWP terminal, can utilize the RF antenna that is integrated in mobile payment intelligent card to carry out contactless communication; When described mobile payment intelligent card is connected use with NFC-SWP terminal, can communicate by SWP intelligent card chip and NFC-SWP terminal, also can utilize the RF antenna that is integrated in NFC-SWP terminal to carry out contactless communication.
In the structure of Fig. 1, integrated security module (SE) 11, contactless front-end amplifier (ACLF) 12, RF radio-frequency antenna (ANT) 13 in described mobile payment intelligent card 10 (SIM), described contactless front-end amplifier (ACLF) 12 is supported SWP functions.This SIM card is a kind of double-interface smart card, supports contact interface communication to communicate by letter with non-contact interface, and wherein contact interface meets ISO/IEC7816 agreement, and non-contact interface meets ISO/IEC14443 agreement.
In the present embodiment, described security module (SE) 11 can be one or more chips, contactless front-end amplifier (ACLF) 12 can be one or more chips, SWP function can be separately by one or more chip practical functions, but this three's johning knot composition, by consistent with the structure of above-mentioned Fig. 1.
The SE that security module (hereinafter to be referred as SE) 11 is general SIM card, is mainly used in authentication; SE communicates by letter with non-contact front-end amplifier (hereinafter to be referred as ACLF) by universal input/output interface (hereinafter to be referred as GPIO), should select to have the SE of GPIO interface, thereby realize the data communication of SE and ACLF.
Described contactless front-end amplifier (ACLF) 12 can directly be connected (hereinafter to be referred as ANT) with RF radio-frequency antenna, can pass through again the contactless front end (hereinafter to be referred as CLF) of single-wire-protocol (hereinafter to be referred as SWP) and handheld terminal (hereinafter to be referred as Handset); Wherein SWP is responsible for processing Physical layer and data link layer logic.
Said structure can be realized same security module (SE) and connect two kinds of radio-frequency units, and a kind of radio-frequency unit is the radio-frequency unit being embedded in SIM card, and another kind of radio-frequency unit is the radio-frequency unit being embedded in Handset; By based on SE chip operating system (hereinafter to be referred as the COS) exploitation and design of ACLF module, can realize the selection of two kinds of radio-frequency units and configuration.
It will be understood by those skilled in the art that device of the present invention is not limited to the embodiment described in embodiment, specific descriptions are above just in order to explain object of the present invention, not for limiting the present invention.Those skilled in the art's technical scheme according to the present invention draws other embodiment, belongs to equally technological innovation scope of the present invention, and protection scope of the present invention is limited by claim and equivalent thereof.
Claims (8)
1. a mobile payment intelligent card, be integrated with Double interface intelligent card chip and RF antenna, it is characterized in that: described mobile payment intelligent card is also integrated SWP intelligent card chip, comprise security module, contactless front-end amplifier, described SWP intelligent card chip is arranged in security module.
2. a kind of mobile payment intelligent card as claimed in claim 1, is characterized in that: described RF antenna adopts built-in mode, built-in RF power amplification chip in antenna.
3. a kind of mobile payment intelligent card as claimed in claim 1, is characterized in that: described RF antenna adopts external mode.
4. a kind of mobile payment intelligent card as described in as arbitrary in claims 1 to 3, is characterized in that: when described mobile payment intelligent card is connected with non-NFC-SWP terminal while using, utilize the RF antenna that is integrated in mobile payment intelligent card to carry out contactless communication; When described mobile payment intelligent card is connected use with NFC-SWP terminal, by SWP intelligent card chip and NFC-SWP terminal, communicate, also can utilize the RF antenna that is integrated in NFC-SWP terminal to carry out contactless communication.
5. a kind of mobile payment intelligent card as claimed in claim 1, it is characterized in that: described security module is comprised of one or more safety chips, described contactless front-end amplifier is comprised of one or more chips, and described SWP function is realized by one or more SWP intelligent card chips.
6. a kind of mobile payment intelligent card as claimed in claim 5, it is characterized in that: described security module is for authentication, by universal input/output interface, communicate by letter with non-contact front-end amplifier, select to there is the SE of GPIO interface, thereby realize the data communication of SE and ACLF.
7. a kind of mobile payment intelligent card as claimed in claim 1, is characterized in that: described contactless front-end amplifier is directly connected with RF radio-frequency antenna, and wherein SWP is responsible for processing Physical layer and data link layer logic.
8. a kind of mobile payment intelligent card as claimed in claim 1, is characterized in that: described contactless front-end amplifier is connected with the contactless front end of handheld terminal by single-wire-protocol, and wherein SWP is responsible for processing Physical layer and data link layer logic.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310713343.8A CN103714376A (en) | 2013-12-20 | 2013-12-20 | Mobile payment intelligent card |
| PCT/CN2014/082072 WO2015090053A1 (en) | 2013-12-20 | 2014-07-11 | Mobile payment smart card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201310713343.8A CN103714376A (en) | 2013-12-20 | 2013-12-20 | Mobile payment intelligent card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103714376A true CN103714376A (en) | 2014-04-09 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201310713343.8A Pending CN103714376A (en) | 2013-12-20 | 2013-12-20 | Mobile payment intelligent card |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN103714376A (en) |
| WO (1) | WO2015090053A1 (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015090053A1 (en) * | 2013-12-20 | 2015-06-25 | 北京握奇智能科技有限公司 | Mobile payment smart card |
| WO2015096459A1 (en) * | 2013-12-27 | 2015-07-02 | 北京握奇智能科技有限公司 | Method and system for selecting contactless communication technique based on mobile terminal type |
| CN105303228A (en) * | 2015-10-23 | 2016-02-03 | 大唐微电子技术有限公司 | Mobile payment chip, terminal and method |
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| CN101833817A (en) * | 2009-03-11 | 2010-09-15 | 中兴通讯股份有限公司 | Method and terminal for realizing application selection in non-contact electronic payment |
| EP2251986A1 (en) * | 2009-05-15 | 2010-11-17 | Nxp B.V. | A near field communication device |
| CN102426658A (en) * | 2011-11-01 | 2012-04-25 | 上海柯斯软件有限公司 | Dual-protocol supporting contact-less communication smart card |
| CN203287939U (en) * | 2013-05-06 | 2013-11-13 | 中国移动通信集团湖北有限公司 | Mobile payment full-card supporting single-wire transport protocol |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101359383A (en) * | 2008-09-23 | 2009-02-04 | 中国移动通信集团广东有限公司 | Non-contact card application management system and management method based on mobile communication |
| CN102063635B (en) * | 2010-10-15 | 2013-01-23 | 武汉天喻信息产业股份有限公司 | Multi-interface mobile payment smart card and control method thereof |
| CN103714376A (en) * | 2013-12-20 | 2014-04-09 | 北京握奇数据系统有限公司 | Mobile payment intelligent card |
| CN103745254A (en) * | 2013-12-20 | 2014-04-23 | 北京握奇数据系统有限公司 | Mobile payment intelligent card |
-
2013
- 2013-12-20 CN CN201310713343.8A patent/CN103714376A/en active Pending
-
2014
- 2014-07-11 WO PCT/CN2014/082072 patent/WO2015090053A1/en active Application Filing
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101833817A (en) * | 2009-03-11 | 2010-09-15 | 中兴通讯股份有限公司 | Method and terminal for realizing application selection in non-contact electronic payment |
| EP2251986A1 (en) * | 2009-05-15 | 2010-11-17 | Nxp B.V. | A near field communication device |
| CN102426658A (en) * | 2011-11-01 | 2012-04-25 | 上海柯斯软件有限公司 | Dual-protocol supporting contact-less communication smart card |
| CN203287939U (en) * | 2013-05-06 | 2013-11-13 | 中国移动通信集团湖北有限公司 | Mobile payment full-card supporting single-wire transport protocol |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2015090053A1 (en) * | 2013-12-20 | 2015-06-25 | 北京握奇智能科技有限公司 | Mobile payment smart card |
| WO2015096459A1 (en) * | 2013-12-27 | 2015-07-02 | 北京握奇智能科技有限公司 | Method and system for selecting contactless communication technique based on mobile terminal type |
| CN105303228A (en) * | 2015-10-23 | 2016-02-03 | 大唐微电子技术有限公司 | Mobile payment chip, terminal and method |
Also Published As
| Publication number | Publication date |
|---|---|
| WO2015090053A1 (en) | 2015-06-25 |
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Application publication date: 20140409 |