CN103971456A - Intelligent terminal wherein financial IC card can be embedded - Google Patents

Intelligent terminal wherein financial IC card can be embedded Download PDF

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Publication number
CN103971456A
CN103971456A CN 201310044925 CN201310044925A CN103971456A CN 103971456 A CN103971456 A CN 103971456A CN 201310044925 CN201310044925 CN 201310044925 CN 201310044925 A CN201310044925 A CN 201310044925A CN 103971456 A CN103971456 A CN 103971456A
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Prior art keywords
card
financial
ic
slot
terminal
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CN 201310044925
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Chinese (zh)
Inventor
苏宁
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中国银联股份有限公司
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    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0873Details of the card reader
    • G07F7/088Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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
    • G06K19/0723Record 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 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KRECOGNITION OF DATA; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07737Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts
    • G06K19/07741Constructional details, e.g. mounting of circuits in the carrier the record carrier consisting of two or more mechanically separable parts comprising a first part operating as a regular record carrier and a second attachable part that changes the functional appearance of said record carrier, e.g. a contact-based smart card with an adapter part which, when attached to the contact card makes the contact card function as a non-contact card
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353Payments by additional cards plugged into M-devices

Abstract

The invention relates to an intelligent terminal wherein a financial IC card can be embedded. The intelligent terminal comprises an SIM card slot, a financial IC card slot, and a non-contact antenna; the SIM card slot arranged inside is used for inserting an SIM card; the financial IC card slot arranged inside is used for inserting a financial IC card; the non-contact antenna is coupled to the financial IC card; the financial IC card is of a PLUG-IN card type. The financial IC card slot is as large as the SIM card slot. The financial IC card is as large as the SIM card. The intelligent terminal has the advantages that the financial IC card can be better embedded in the intelligent terminal, the functions of the financial IC card can be achieved, and the financial IC card is more portable and easier to use.

Description

一种可嵌入金融IC卡的智能终端 A financial IC card embedded intelligent terminal

技术领域 FIELD

[0001] 本发明涉及能够进行移动支付的智能终端,具体地涉及可嵌入金融IC卡的智能终端。 [0001] The present invention relates to an intelligent mobile payment terminals, particularly, to the intelligent terminal may be embedded in the financial IC card.

背景技术 Background technique

[0002] 在现有技术中,随着移动支付市场的兴起,各种移动支付广品也都相继在市场上出现并推广使用,这些产品采用的方案包括双界面智能卡技术、独立RFID技术、NFC技术以及eNFC全终端技术等,这些产品都要依附在一定的智能终端如手机上来运行相关的支付应用。 [0002] In the prior art, with the rise of mobile payments market, a wide variety of mobile payment products also have appeared on the market and promote the use of the program used in these products include dual interface smart card technology, independent RFID technology, NFC eNFC full technical and terminal technology, these products must be up to run in a certain intelligent terminals such as mobile phones related payment application dependent. 由于运营商控制的SIM卡与手机具有天然结合的优势,移动支付应用可以很自然地分布在SIM卡内,从而可以很好地推动以运营商为主导的移动支付运营模式,这类的产品目前有SWP-SM等。 As the operator-controlled SIM card and the phone has a natural combining the advantages of mobile payment applications can be naturally distributed in the SIM card, which can be a good impetus to the operator-led mobile payment business model, these products are now there SWP-SM and the like.

[0003] 然而,现有技术中并没有提出过能够独立于SIM卡而进行移动支付的智能终端。 [0003] However, the prior art has not proposed intelligent terminals independently of the SIM card and mobile payments. 发明内容 SUMMARY

[0004] 鉴于上述问题,本发明旨在提供一种能够独立于SM卡地嵌入金融IC卡的智能终端。 [0004] In view of the above problems, the present invention aims to provide a SM card independently of the intelligent terminal embedded in the financial IC card.

[0005] 进一步地,本发明还旨在提供一种能够提高金融IC卡的使用便捷性和易用性的可嵌入金融IC卡的智能终端。 [0005] Further, the present invention also aims to provide an intelligent terminal can be improved ease of use and ease of use of the financial IC card of the financial IC card can be embedded.

[0006] 本发明的可嵌入金融IC卡的智能终端,其特征在于,所述智能终端包括: [0006] may be embedded in the financial IC card of the present invention is the intelligent terminal, wherein the intelligent terminal comprises:

设置在所述智能终端内并用于插入金融IC卡的金融IC卡卡槽;以及 Disposed in the intelligent terminal and financial IC card for insertion of a financial IC card slot; and

与所述金融IC卡耦接的非接天线, Coupled with the financial IC card connected to a non-contact antenna,

所述金融IC卡为PLUG-1N卡样式的金融IC卡。 The IC card is a financial card style PLUG-1N financial IC card.

[0007] 优选地,所述智能终端还具备设置在所述智能终端内并用于插入SM卡的SM卡卡槽,所述金融IC卡卡槽的尺寸与所述SIM卡卡槽的尺寸相同,所述金融IC卡的尺寸与所述SIM卡的尺寸相同。 [0007] Preferably, the intelligent terminal further includes a terminal disposed within the smart card and for inserting SM SM card slot, the same size of the financial IC card slot of the SIM card slot, the financial IC card of the same size dimensions as the SIM card.

[0008] 优选地,所述金融IC卡卡槽和所述SM卡卡槽分别独立设置。 [0008] Preferably, the grooves and the financial IC card SM card slot provided independently.

[0009] 优选地,所述金融IC卡为支持非接功能的安全芯片。 [0009] Preferably, the financial IC card contactless chip support secure functions.

[0010] 优选地,所述非接天线布置在所述智能终端的后盖内, [0010] Preferably, the non-contact antenna disposed within the rear cover of the intelligent terminal,

所述非接天线具有第一天线触点,金融IC卡卡槽具有第二天线触点, The non-contact antenna having a first antenna contact, financial IC card slot has a second line contact,

将所述非接天线设置为在所述智能终端的后盖盖上的情况下所述第一天线触点与所述第二天线触点电连接。 The non-contact antenna to the first antenna contact is connected electrically to the second antenna line contact in a case where the rear cover of the intelligent terminal.

[0011] 优选地,所述非接天线集成在所述金融IC卡内, [0011] Preferably, the non-contact antenna is integrated within the financial IC card,

所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点,将所述非接天线集成为在所述金融IC卡插入所述金融IC卡卡槽内时所述第一天线触点与所述第二天线触点电连接。 The non-contact antenna having a first antenna contact, the financial IC card slot has a second line contact, the non-contact antenna is integrated in the financial IC card is inserted into the financial IC card slot said first contact and said second antenna line contact electrically connected.

[0012] 优选地,所述金融卡IC包括支持非接功能的NFC芯片、安全芯片以及天线接口。 [0012] Preferably, the financial IC card chip includes a non-contact NFC-enabled functions, security chip and an antenna connector. [0013] 优选地,所述智能终端具备对智能终端进行应用、操作控制的操作系统,所述安全芯片至少具有与所述操作系统连接的第一通信接口;以及与所述NFC芯片连接的第二通信接口。 [0013] Preferably, the intelligent terminal includes a intelligent terminal application, operational control of the operating system, the security chip having at least a first communication interface with the operating system; and connected to the second NFC chip second communication interface.

[0014] 优选地,所述第二通信接口是SWP接口。 [0014] Preferably, the second communication interface is a SWP interface.

[0015] 优选地,所述第一通信接口是7816接口、SPI接口、MMC接口、IC-USB接口中的任 [0015] Preferably, the first communication interface 7816 is an interface, SPI interfaces, MMC interfaces, any IC-USB interface

意一种。 Meaning one kind.

[0016] 优选地,所述非接天线布置在所述智能终端的后盖内, [0016] Preferably, the non-contact antenna disposed within the rear cover of the intelligent terminal,

所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, The non-contact antenna having a first antenna contact, the financial IC card slot has a second line contact,

将所述非接天线设置为在所述智能终端的后盖盖上的情况下所述第一天线触点与所述第二天线触点电连接。 The non-contact antenna to the first antenna contact is connected electrically to the second antenna line contact in a case where the rear cover of the intelligent terminal.

[0017] 优选地,所述非接天线集成在所述金融IC卡内, [0017] Preferably, the non-contact antenna is integrated within the financial IC card,

所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, The non-contact antenna having a first antenna contact, the financial IC card slot has a second line contact,

将所述非接天线集成为在所述金融IC卡插入所述金融IC卡卡槽内时所述第一天线触点与所述第二天线触点电连接。 The non-contact integrated antenna is the first antenna and the second antenna contact is electrically connected to contacts at the financial IC card insertion slot of the financial IC card.

[0018] 优选地,所述智能终端具备对智能终端进行应用/操作控制操作系统;以及与所述操作系统连接并且能够实现非接功能的NFC芯片,所述金融IC卡是具备SWP接口的安全芯片。 [0018] Preferably, the intelligent terminal includes a intelligent terminal application / operation of the control operating system; and a connection with the operating system and enables non-contact NFC chip function, the financial IC card is provided with safety SWP interface chip.

[0019] 优选地,所述安全芯片通过所述SWP接口与所述智能终端的NFC芯片连接,所述操作系统通过所述NFC模块对所述安全芯片进行访问。 [0019] Preferably, the security chip, the operating system access to the security chip via the SWP interface NFC chip is connected with the intelligent terminal via the NFC module.

[0020] 优选地,所述非接天线布置在所述智能终端的后盖内,所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点,将所述非接天线设置为在所述智能终端的后盖盖上的情况下所述第一天线触点与所述第二天线触点电连接。 [0020] Preferably, the non-contact antenna disposed within the rear cover of the smart terminal, then the non-contact antenna having a first antenna, the financial IC card slot has a second line contact, The said non-contact antenna is disposed to contact the first antenna is connected to the second antenna electrically contacts in a case where the rear cover of the intelligent terminal.

[0021] 优选地,所述金融IC卡与所述应用/操作控制操作系统直接连接。 [0021] Preferably, the financial IC card and said application / operation of the control operating system is directly connected.

[0022] 根据本发明的实现嵌入式金融IC卡的智能终端,能够有效提高金融IC卡的便携性和易用性。 [0022] The implementation of embedded smart financial IC card terminal of the present invention can effectively improve the ease of use and portability of the financial IC card. 而且,通过在智能终端中设置这样的金融IC卡,能够很好地应对目前运营商对SM卡产业链的强控制力,更便于国内一些较大的银行、第三方机构等在智能终端上控制自己的移动支付应用,也更利于推动移动支付产业的发展。 Furthermore, by providing such financial IC card in the intelligent terminal, able to cope well with the current operators strong control over SM card industry chain, domestic easier for some of the larger banks, institutions and other third-party control in the smart terminal own mobile payment applications, but also more conducive to promoting the development of mobile payment industry. 其次,相比于目前移动支付SD卡,由于此金融IC卡是采用类PLUG-1N卡设计,则其在实现上可以继续沿用现有PLUG-1N卡制造工艺,将可以更好的降低移动支付的成本,提高银行、第三方机构乃至用户的积极性与参与性。 Second, compared to the current mobile payment SD card, since this is the use of financial IC card class PLUG-1N card design, it may continue to use existing PLUG-1N card manufacturing process on implementation, will be able to better reduce mobile payments the cost and improve the bank, as well as third party user of enthusiasm and participation.

[0023] [0023]

附图说明 BRIEF DESCRIPTION

[0024] 图1是表示本发明的可嵌入金融IC卡的智能终端的结构框图。 [0024] FIG. 1 is a block diagram showing a configuration of the present invention, the intelligent terminal may be embedded in the financial IC card.

[0025] 图2是表示本发明中的金融IC卡的表面触点的设计方式图。 [0025] FIG. 2 is a diagram showing a surface contact design approach in the financial IC card of the present invention.

[0026] 图3是表示本发明第一实施方式的可嵌入金融IC卡的智能终端的结构框图。 [0026] FIG. 3 is a block diagram of the intelligent terminal may be embedded in the financial IC card of the first embodiment of the present invention.

[0027] 图4是表示本发明第二实施方式的可嵌入金融IC卡的智能终端的结构框图。 [0027] FIG. 4 is a block diagram of the intelligent terminal may be embedded in the financial IC card of the second embodiment of the present invention.

[0028] 图5是表示本发明第三实施方式的可嵌入金融IC卡的智能终端的结构框图。 [0028] FIG. 5 is a block diagram of the intelligent terminal may be embedded in the financial IC card of the third embodiment of the present invention.

[0029] 图6是表示本发明第三实施方式的变换例的可嵌入金融IC卡的智能终端的结构框图。 [0029] FIG. 6 is a block diagram of the intelligent terminal may be embedded in the financial IC card converting the third embodiment of the present invention.

[0030] _ [0030] _

具体实施方式 detailed description

[0031] 下面介绍的是本发明的多个实施例中的一些,旨在提供对本发明的基本了解。 [0031] The following are some of the described embodiments of the present invention, a plurality of embodiments, are intended to provide a basic understanding of the present invention. 并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。 The scope of the present invention is not intended to identify key or critical elements or limitations to be protected.

[0032] 首先,对于本发明中将要提到的专业用语进行解释说明。 [0032] First, in the terminology of the present invention is to be mentioned explanation.

[0033] (I)金融IC卡:金融IC卡又称为芯片银行卡,是以芯片作为介质的银行卡。 [0033] (I) financial IC card: Financial IC card chip, also known as bank cards, based on the chip as a medium of bank cards. 它是由商业银行(信用社)或支付机构发行的,采用集成电路技术,遵循国家金融行业标准,具有消费信用、转账结算、现金存取全部或部分金融功能,可以具有其他商业服务和社会管理功能的金融工具。 It is issued by commercial banks (credit unions) or payment institutions, the use of integrated circuit technology, following the country's financial industry standards, with consumer credit, transfer and settlement, access to cash all or part of the financial function, may have other business services and social management financial instruments function.

[0034] (2) PLUG-1N卡:一种按照PLUG-1N SM卡标准所制造的卡片。 [0034] (2) PLUG-1N Card: A process according PLUG-1N SM card standard card manufactured. 其长2.5厘米,宽1.5厘米。 Which is 2.5 cm long, 1.5 cm wide. PLUG-1N卡的卡基由PVC或ABS塑料材料组成,卡基上面是镶有金属薄片的PLUG-1N卡接触面,其上有6个或8个管脚。 PLUG-1N card the card made of PVC or ABS plastic material, is above the card PLUG-1N card contacts inlaid metal foil, on which there are six or eight pins. PLUG-1N卡接触面下面是芯片,通过金箔丝与管脚相连。 PLUG-1N below a chip card contacts, connected by a gold wire and the pin.

[0035] (3)SWP:即单线协议(Single Wire Protocol),是目前ETSI已有成熟技术要求和测试方法的一种用于在非接触通信模块(CLF)与USIM卡之间传输信息的接口协议,确切来说SWP协议定义了CLF模块和USM卡内的安全芯片传输信息的物理连接形式和底层信号传输要求等(包括物理层、数据链路层)。 [0035] (3) SWP: singlet Protocol (Single Wire Protocol), it is the ETSI mature prior art test method and requirements for the interface transmission between a non-contact communication module (CLF) and the USIM card information protocol, SWP be precise protocol defines the physical connection form and the underlying signaling requirements for transmission within the security chip and CLF USM module card information (including the physical layer, data link layer).

[0036] (4) NFC:NFC是Near Field Communication缩写,即近距离无线通讯技术。 [0036] (4) NFC: NFC Near Field Communication is an abbreviation of short-range wireless communications technology. 由飞利浦公司和索尼公司共同开发的NFC是一种非接触式识别和互联技术,可以在移动设备、消费类电子产品、PC和智能控件工具间进行近距离无线通信。 By Philips and Sony jointly developed NFC is a contactless identification and interconnection technologies, may be short-range wireless communication between mobile devices, consumer electronics, PC and intelligent control tools. NFC提供了一种简单、触控式的解决方案,可以让消费者简单直观地交换信息、访问内容与服务。 NFC offers a simple, touch-based solution that allows consumers to exchange information simple and intuitive way to access content and services.

[0037] (5)安全芯片:安全芯片就是TPM(TruSTed Platform Module),可信任平台模块,是一个可独立进行密钥生成、加解密的装置,内部拥有独立的处理器和存储单元,可存储密钥和特征数据,为电脑提供加密和安全认证服务。 [0037] (5) security chip: security chip is TPM (TruSTed Platform Module), Trusted Platform Module, is an independent key generation, encryption and decryption means, independent of the internal processor and the storage means may store key features and data encryption and security for the computer to provide authentication services. 用安全芯片进行加密,密钥被存储在硬件中,被窃的数据无法解密,从而保护商业隐私和数据安全.安全芯片支持国家密码管理局指定的对称密码算法、非对称密码算法和杂凑算法,同时支持国际通用其他密码算法它的特点;比如对称密码算法:SM1 ;非对称密码算法:SM2 ;杂凑算法及哈希算法:SM3。 Carried out by the security chip encryption key is stored in hardware, the stolen data can not be decrypted in order to protect business privacy and data security. Security chip supports symmetric encryption algorithm specified by the State Encryption Administration, asymmetric cryptographic algorithms and hash algorithms, while supporting other internationally accepted cryptographic algorithms it features; such as symmetric ciphers: SM1; asymmetric cryptographic algorithms: SM2; hash algorithm and hash algorithm: SM3. 安全芯片集成了高速的安全加密算法和通讯接口,采用独有的数据流加解密处理机制,实现了对高速数据流同步加解密功能。 Security chip integrates a high-speed secure encryption algorithms and communication interface, using a unique data stream encryption and decryption mechanism, the realization of high-speed synchronous data stream encryption and decryption functions.

[0038] 图1是表示本发明的可嵌入金融IC卡的智能终端的结构框图。 [0038] FIG. 1 is a block diagram showing a configuration of the present invention, the intelligent terminal may be embedded in the financial IC card.

[0039] 如图1所示,本发明的可嵌入金融IC卡的智能终端包括:设置在智能终端内并且用于插入于SM卡的SM卡卡槽400 ;设置在上述智能终端内并且用于插入金融IC卡200的金融IC卡卡槽100 ;与上述金融IC卡200耦接的非接天线300。 [0039] 1, may be embedded financial IC card of the present invention, the intelligent terminal comprises: a terminal provided for inserting the smart card in SM SM card slot 400; provided in the intelligent terminal and for financial IC card is inserted into the card slot financial IC 200 100; and the above-mentioned financial IC card 200 coupled to the non-contact antenna 300.

[0040] 在本发明中,仅作为一个示例,智能终端可以为智能的移动终端,例如手机。 [0040] In the present invention, merely as an example, intelligent terminal may be a mobile intelligent terminal, such as mobile phones.

[0041] 本发明中,金融IC卡200被定制成与SIM卡相同尺寸的PLUG-1N卡样式的插卡。 [0041] In the present invention, financial IC card 200 is customized to the card with the SIM card PLUG-1N style card of the same size. 所述金融IC卡200卡为支持非接功能的安全芯片。 The financial IC card 200 card security chip to support contactless functionality.

[0042] 金融IC卡卡槽100是与上述金融IC卡200样式匹配的PLUG-1N卡样式的卡槽。 [0042] 100 is a financial IC card slot 200 and the above-described pattern matching financial IC card style PLUG-1N card slot. 该金融IC卡卡槽100的尺寸与SM卡卡槽400的尺寸相同,并且该金融IC卡卡槽100和SIM卡卡槽400分别独立设置。 The same size of the financial IC card and SM card slot 100 of the slot 400, and the financial IC card slot 100 and a SIM card slot 400 are provided independently.

[0043] 将金融IC卡200设计成SIM卡样式并且在智能终端(例如,智能终端)上增加与该样式匹配的类SIM卡卡槽的金融IC卡卡槽100,这样做的原因在于,SIM卡及SIM卡槽的生产工艺十分成熟,成本低廉,且用户认知程度较高。 [0043] Design of the financial IC card 200 into the SIM card style and increase financial IC card slot that matches the SIM card slot pattern based on the intelligent terminal 100 (e.g., smart terminal), the reason for this is that, SIM SIM card slot and the production process is very mature, low cost, and higher user awareness. 而为了使得银行等的第三方对该卡具有完全控制权,该金融IC卡卡槽100独立于智能终端上使用的原有SM卡槽400而设置。 In order that the third party such as a bank card has full control of the financial IC card slot 100 is used independently on the original SM card slot 400 provided on the intelligent terminal.

[0044] 为了更好的支持智能终端的非接支付能力,天线300以线圈的方式缠绕在智能终端的后盖内,这样,盖上后该天线300的天线触点301、302即能够与SM样式的金融IC卡槽100上的天线触点101、102相连接。 [0044] For a better capacity to support intelligent contactless payment terminal, the antenna coil 300 is wound so as to cover the intelligent terminal, so that the rear cover of the antenna of the antenna 300 and contacts 301, 302 that is capable of SM antenna contact 101 and 102 on the financial IC card slot 100 is connected to the style. 这种天线方式在智能终端上布置简单,易于使用,并且非接通信稳定。 Such an antenna arranged on the intelligent terminal is simple, easy to use and stable non-contact communication. 在使用时,只需将金融IC卡200插入金融IC卡卡槽100内,并盖上智能终端的后盖,便可以直接使用金融IC卡200上的支付应用。 In use, simply insert the financial IC card 200 financial IC card slot 100, and the back cover of intelligent terminals, you can use direct payment applications on 200 financial IC card.

[0045] 当然,天线300的布置方式不限于上述的外接方式,也可以采用内置方式,例如集成在金融IC卡200内。 [0045] Of course, the antenna arrangement 300 is not limited to the above-described external mode, the built-in mode may be used, for example, integrated in the financial IC card 200. 这种内置集成的方式降低了天线的易损性,也能够提高整体产品的便携性和易用性(具体内容请参见后续的第一实施方式、第二实施方式)。 This built-in in an integrated manner to reduce the vulnerability of the antenna, it is possible to improve portability and ease of use of the overall product (specifically, refer to the subsequent first embodiment, second embodiment).

[0046] 图2是表示本发明中的金融IC卡的表面触点的设计方式图。 [0046] FIG. 2 is a diagram showing a surface contact design approach in the financial IC card of the present invention.

[0047] 如图2所示,作为一个示例,假设该金融IC卡200具备Cl~C8这8个接口触点。 [0047] As shown in FIG 2, as an example, assuming that the financial IC card 200 is provided with Cl ~ C8 eight contact interfaces. 图2中的Cl~C8这8个接口触点图中接口触点的分配如下所示: FIG 2 is Cl ~ C8 allocated eight contact interfaces in FIG interface contact is as follows:

Figure CN103971456AD00071

例如,C4、CS 口可以在采用非接通讯的时候用来连接天线(请参见下述的第一实施方式)。 For example, C4, CS can be used to connect the antenna port when the non-contact communication (see the first embodiment described below). 而C6 口则可以在金融IC卡使用NFC通讯的时候用来传输SWP (请参见下述的第三实施方式)。 C6 port and can be used to transmit SWP financial IC card when using the NFC communications (see Third Embodiment below).

[0048] 如上所述,本发明的可嵌入金融IC卡的智能终端将金融IC卡独立于SM卡地嵌入到智能终端中,能够有效地应对移动营运商对SM卡产业链的强控制力,而且通过将金融IC卡较好地与智能终端结合起来并完成在智能终端上的实现,能够大大提高金融IC卡的便携性和易用性。 [0048] As described above, may be embedded in a smart financial IC card of the present invention, the terminal independent of the financial IC card to be fitted SM card in the intelligent terminal, mobile operators can effectively cope with a strong control over the chain SM card, and by the financial IC card is better integrated with intelligent terminals and complete the implementation of the smart terminal, can greatly enhance the portability and ease of use of financial IC card.

[0049] 下面,对于本发明的可嵌入金融IC卡的智能终端的具体实施方式进行说明。 [0049] Next, the specific embodiments may be embedded in financial IC card of the present invention, the intelligent terminal will be described.

[0050] 第一实施方式 [0050] First Embodiment

图3是表示本发明第一实施方式的可嵌入金融IC卡的智能终端的结构框图。 FIG 3 is a block diagram of the financial IC card may be embedded in a first embodiment of the present invention, intelligent terminal.

[0051] 如图3所示,本发明的第一实施方式的可嵌入金融IC卡的智能终端包括:设置在上述智能终端内并且用于插入金融IC卡210的金融IC卡卡槽;以及与上述金融IC卡210耦接的非接天线(这里未图示该非接天线)。 [0051] As shown, may be embedded in the financial IC card of the embodiment 3 of the first embodiment of the present invention, the intelligent terminal comprises: a terminal disposed within the smart financial IC card for inserting groove 210 of the financial IC card; and non-contact antenna (not shown here, the non-contact antenna) the financial IC card 210 is coupled. 在第一实施方式中,智能终端为具备应用控制/操作系统510的智能终端,例如智能手机,但本发明的智能终端不仅限于智能手机。 In the first embodiment, the intelligent terminal is provided with a control application / operating system 510 of the intelligent terminal, such as smart phones, intelligent terminal but the present invention is not limited to smart phones.

[0052] 在本实施方式中,金融IC卡210被定制成与SM卡相同尺寸的PLUG-1N卡样式的插卡。 [0052] In the present embodiment, the financial IC card and the card 210 is customized to PLUG-1N SM card style card of the same size. 金融IC卡210具备支持非接功能的安全芯片,而该金融IC卡210不具备NFC功能。 Financial IC card 210 includes a security chip to support non-contact function, and the financial IC card 210 does not have the NFC function.

[0053] 在本实施方式中,金融IC卡卡槽是与上述金融IC卡210样式匹配的PLUG-1N卡样式的卡槽。 [0053] In the present embodiment, the financial IC card slot with the above-described pattern matching financial IC card 210 of PLUG-1N style card slot. 该金融IC卡卡槽的尺寸与SIM卡卡槽的尺寸相同,该金融IC卡卡槽和SIM卡卡槽分别独立设置。 The same size of the financial IC card slot of the SIM card slot of the size of the financial IC card and SIM card slot grooves are provided independently. 并且,该金融IC卡卡槽具有天线触点。 And, with the financial IC card slot antenna contact. [0054] 在本实施方式中,未图示的非接天线具有天线触点,该非接天线布置在智能终端的后盖内,优选地,该非接天线以线圈的方式缠绕在智能终端的后盖内。 [0054] In the present embodiment, the non-contact antenna (not shown) having antenna contact, connected to the antenna disposed within the non-intelligent terminal cover, preferably, the non-contact coil antenna is wound in the manner of an intelligent terminal inside back cover. 并且将上述非接天线设置为在上述智能终端的后盖盖上的情况下上述非接天线的天线触点与上述金融IC卡卡槽的天线触点电连接。 And the non-contact antenna to the non-contact antenna of antenna contact is electrically connected to the above-described antenna contact financial IC card slot in the case where the rear cover of the smart terminal.

[0055] 该非接天线除了布置在智能终端的后盖上之外,也可以是不采用这样的外置方式而是将非接天线集成在金融IC卡210内。 [0055] In addition to the non-contact antenna disposed on the back cover outside the intelligent terminal may not employ such a manner, but the external antennas are integrated in a non-contact IC card 210 within the financial. 这种情况下,将非接天线集成在金融IC卡210内以使得在金融IC卡210插入到金融IC卡卡槽的情况下非接天线的天线触点与金融IC卡卡槽的天线触点电连接。 In this case, the non-contact antenna integrated in the financial IC card 210 so that the antenna contact in the case of financial IC card 210 is inserted into a non-financial IC card slot connected antenna and antenna contact of the financial IC card slot the electrical connection.

[0056] 在第一实施方式中,金融IC卡210内的安全芯片支持非接通信,而金融IC卡210与智能终端的应用/操作系统无直接连接,因此本第一实施方式的智能终端仅能够支持现场支付(或称“近场支付”)。 [0056] In a first embodiment, the security chip in the financial IC card 210 supports non-contact communication, and financial IC card 210 and the intelligent terminal application / operating system have no direct connection, so the intelligent terminal according to the present embodiment of the first embodiment only to support site payment (or "near-field payment").

[0057] 在进行近场支付的情况下,在与外界的POS终端进行近场通信交互时,数据通过非接天线传入到金融IC卡210内的安全芯片,由安全芯片进行处理(具体处理过程可参考标准ISO 14443),由安全芯片处理后的数据通过非接天线发送到POS终端。 [0057] The case of performing the near field of the payment, when near field communication to interact with the POS terminal outside, data is passed through the antenna connected to the non-secure chip in the financial IC card 210, the security chip processing (specific processing process can refer to standard ISO 14443), the data sent by the security chip antenna connected to the non-processed by the POS terminal. 该安全芯片支持相应的非接协议如IS014443 TYPE A、TYPE B等,移动支付的应用运行在该安全芯片内。 The security chip supports protocols such as corresponding non-contact IS014443 TYPE A, TYPE B, etc., an application running in the mobile payment security chip.

[0058] 如上所述,根据本发明第一实施方式的可嵌入金融IC卡的智能终端,几乎不需要进行软件和硬件方面的改动,只需增加设置一个额外的金融IC卡卡槽而已,改动成本小,容易推广实施。 [0058] As described above, according to the financial IC card can be embedded intelligent terminal to the first embodiment of the present invention requires little software and hardware modifications, simply increasing provided an additional financial IC card slot only, changes small cost, easy to promote implementation. 而且,金融IC卡卡槽与智能终端无具体的硬件和软件方面连接,因而对金融IC卡卡槽在智能终端内的布局具有非常大的灵活性。 Moreover, the financial IC card slot with the intelligent terminal without specific hardware and software connection, thus having a great flexibility in the layout of the financial IC card slot in the intelligent terminal. 但是,由于与智能终端无任何接口的连接,因此类似于提供了一张非接智能卡,只能提供现场支付功能(不支持远程支付能力)。 However, due to the intelligent terminal without any connection interface, thus providing a similar contactless smart card, can only provide on-site payment functions (does not support remote ability to pay).

[0059] 第二实施方式 [0059] Second Embodiment

图4是表示本发明第二实施方式的可嵌入金融IC卡的智能终端的结构框图。 FIG 4 is a block diagram of the financial IC card may be embedded in a second embodiment of the present invention, intelligent terminal.

[0060] 如图4所示,本发明的第二实施方式的可嵌入金融IC卡的智能终端包括:设置在上述智能终端内并且用于插入金融IC卡220的金融IC卡卡槽;与上述金融IC卡220耦接的非接天线(未图示);对智能终端进行应用、操作控制的应用控制/操作系统520。 [0060] As shown in FIG. 4, may be embedded in a smart financial IC card terminal to a second embodiment of the present invention comprises: disposed in said intelligent terminal and financial IC card for insertion into the groove 220 of the financial IC card; described above non-contact antenna (not shown) financial IC card 220 coupled; intelligent terminal application, the application control / operation control of the operating system 520. 上述金融IC卡220包括支持非接功能的NFC芯片221、安全芯片222以及天线接口(未图示)。 Financial IC card 220 comprises the above-described non-contact support function NFC chip 221, the secure chip 222 and an antenna interface (not shown).

[0061] 在本实施方式中,金融IC卡220被定制成与SM卡相同尺寸的PLUG-1N卡样式的插卡。 [0061] In the present embodiment, the financial IC card and the card 220 is customized to PLUG-1N SM card style card of the same size. 金融IC卡卡槽是与上述金融IC卡220样式匹配的PLUG-1N卡样式的卡槽。 Financial IC card slot with the above-described pattern matching financial IC card 220 of PLUG-1N style card slot. 该金融IC卡卡槽的尺寸与SIM卡卡槽的尺寸相同,并且该金融IC卡卡槽和SIM卡卡槽分别独立设置。 The same size of the financial IC card slot of the SIM card slot size, and the financial IC card and SIM card slot grooves are provided independently.

[0062] 在本实施方式中,非接天线具有天线触点,该非接天线布置在智能终端的后盖内,优选地,该非接天线以线圈的方式缠绕在智能终端的后盖内。 [0062] In the present embodiment, the non-contact antenna having antenna contact, connected to the antenna disposed within the non-intelligent terminal cover, preferably, the non-contact coil antenna is wound so as to cover the intelligent terminal. 并且将上述非接天线设置为在上述智能终端的后盖盖上的情况下上述非接天线的上述天线触点与上述金融IC卡卡槽的天线触点电连接。 And the non-contact antenna to antenna contact is electrically connected to the antenna of the non-contact antenna with said financial IC card slot in the back cover is connected to the smart terminal cover.

[0063] 非接天线除了布置在智能终端的后盖上之外,也可以是不采用这样的外置方式而是将非接天线集成在金融IC卡220内(未图示)。 [0063] In addition to the non-contact antenna disposed on the back cover outside the intelligent terminal may not employ such a manner, but the external antennas are integrated in a non-contact IC card 220 within the financial (not shown). 这种情况下,将非接天线集成在金融IC卡220内以使得在将金融IC卡220插入金融IC卡卡槽的情况下非接天线的天线触点与金融IC卡卡槽的天线触点电连接。 In this case, the antennas are integrated in the contactless IC card 220 so that financial antenna contact in the case where the financial IC card 220 is inserted into a non-financial IC card slot connected antenna and antenna contact of the financial IC card slot the electrical connection. [0064] 在第二实施方式中,安全芯片222至少具有与应用控制/操作系统520连接的第一通信接口224 ;以及与NFC芯片221连接的第二通信接口225。 [0064] In the second embodiment, the security chip 222 having a first communication interface 224 and the application control / operating system connected to at least 520; and a second communication connection with the NFC chip 221 of the interface 225.

[0065] 该第一通信接口224可以是7816接口、SPI接口、MMC接口、IC-USB接口中的任意一种。 [0065] The first communication interface 224 may be an interface 7816, SPI interfaces, MMC interfaces, any one IC-USB interface. 该第二通信接口225可以是SWP接口。 The second communication interface 225 may be an SWP interface.

[0066] 在第二实施方式中,NFC芯片221用于实现非接功能,安全芯片222用于运行移动支付应用。 [0066] In the second embodiment described above, the NFC chip 221 for implementing the non-contact function of the secure chip 222 for operating a mobile payment application. 外部终端可以通过NFC芯片221提供的非接功能访问安全芯片222内的移动支付应用,同时,智能终端的应用控制/操作系统520也可以通过与安全芯片222连接的通信接口访问安全芯片222上的移动支付程序。 External terminal may NFC chip 221 provides a non-contact function of the mobile payment application in accessing the secure chip 222, the same time, the application control intelligent terminal / operating system 520 may also be via a communications interface to access the secure chip 222 is connected to the security chip 222 mobile payment program.

[0067] 在进行近场支付时,外界POS终端首先会通过ISO 14443协议与金融IC卡220中内置的NFC芯片221进行数据交互,之后NFC芯片221即将该协议中所附带的数据进行提取,并再通过SWP协议重新封装该数据发送到同在金融IC卡220内部的安全芯片222中,最后,在安全芯片222内就可以对该次交易数据进行处理及完成返回。 [0067] When carrying out near-field payments, external POS terminal will first exchange data through ISO 14443 protocols and financial IC card 220 built-in NFC chip 221, after the NFC chip 221 is about the agreement that comes with data extraction, and through the SWP protocol transmits the data to the re-encapsulated with the financial IC card 220 inside the security chip 222, and finally, in the security chip 222 can process the data transaction is completed and returned.

[0068] 在进行远程支付时,交易发起对象可以是操作系统上的客户端应用或者浏览器(后统称为应用)。 [0068] During remote payment transactions initiated by the object may be a client application on the operating system or browser (collectively referred to as the application). 首先,可以由应用将数据通过例如ISO 7816协议(此时金融IC卡220与智能终端就通过7816接口连接)传送到金融IC卡200的安全芯片222中,并由安全芯片222完成信息处理并进行返回。 First, for example, ISO 7816 protocol may be transmitted (in this case the financial IC card 220 to intelligent terminals via 7816 interface) to secure financial IC card chip 222 through 200, the secure chip 222 is completed by the information processing by the application data and return. 此时NFC芯片221不参与到数据交互的过程中。 At this time, the process of the NFC chip 221 is not involved in the data exchange.

[0069] 如上所述,根据本发明第二实施方式的可嵌入金融IC卡的智能终端,通过第一通信接口224连接金融IC卡220与智能终端的应用控制/操作系统520,能够与智能终端上的程序进行交互,扩展了金融IC卡220的功能,能够支持通过智能终端上的客户端软件实现远程支付功能。 [0069] As described above, according to the financial IC card can be embedded in the intelligent terminal to the second embodiment of the present invention, the communication interface 224 is connected via a first financial IC card 220 and the intelligent terminal application control / operating system 520, the intelligent terminal is capable of program on the interaction, extends the capabilities of financial IC card 220 to support remote payment function through the client software on the smart terminal. 而且,作为该第一接口224,能够采用多种类型的通信接口(例如7816接口、SPI接口、MMC接口、IC-USB接口等),因此,能够提高接口形式和接口协议的灵活性,而不再局限于金融IC卡所采用的7816 口,可以采用高速通信接口如IC-USB、MMC或SPI接口等,故能够很大程度地提高接口的通信速度、数据吞吐量和数据的可靠性,为支付客户端带来更好的用户体验度。 Further, as the first interface 224, the communication interface can be employed (e.g. 7816 Interface, SPI interfaces, MMC interfaces, IC-USB interface, etc.) of various types, therefore, possible to improve the flexibility of the interface type and interface protocol, without longer confined to 7816 financial IC card used, can be employed, such as high speed communication interface IC-USB, MMC SPI interface, or the like, it is possible to greatly increase the speed of the communication interface, the data reliability and data throughput, is pay better experience of the user client. 再者,金融IC卡220内配有NFC芯片221,因此,利用该NFC芯片221能够实现各种基于卡模式、读卡器模式、P2P模式等多样化的应用形式。 Furthermore, the financial IC card 220 is equipped with an NFC chip 221, and therefore, the NFC chip 221 using a variety of diverse applications can be realized in the form of card-based mode, the card reader mode, P2P mode. 再者,金融IC卡220所采用的通信接口,智能终端在硬件上都已支持,无需额外的添加(但是需要修改智能终端上的对应的驱动程序,对智能终端厂商的操作系统有一定的定制要求)。 Furthermore, communication interface, intelligent terminal financial IC card 220 have been adopted in the hardware support, no additional add (but need to modify the corresponding driver on the smart terminal operating system for intelligent terminal manufacturers have some custom Claim).

[0070] 第三实施方式 [0070] Third Embodiment

图5是表示本发明第三实施方式的可嵌入金融IC卡的智能终端的结构框图。 FIG 5 is a block diagram of the intelligent terminal may be embedded in the financial IC card of the third embodiment of the present invention.

[0071] 本发明的第三实施方式的可嵌入金融IC卡的智能终端包括:对智能终端进行应用/操作控制操作系统530 ;与应用/操作控制操作系统530连接并且能够实现非接功能的NFC芯片600 ;设置在智能终端内并且用于插入金融IC卡230的金融IC卡卡槽(未图示);以及与上述金融IC卡230耦接的非接天线(未图示)。 [0071] financial IC card can be embedded intelligent terminal to the third embodiment of the present invention includes: the intelligent terminal application / operation of the control operating system 530; connected to the application / operation of the control operating system 530 and enables non-contact NFC function chip 600; disposed for insertion into the intelligent terminal and financial IC card 230 of the financial IC card slot (not shown); and the above-mentioned financial IC card 230 is coupled to the non-contact antenna (not shown). 在本实施方式中,NFC芯片600是智能终端本身具备的模块,也就是说,该智能终端本身是具有NFC功能的智能终端。 In the present embodiment, the intelligent terminal 600 is an NFC chip itself has a module, i.e., the intelligent terminal itself is an NFC-enabled smart terminal.

[0072] 其中,上述金融IC卡230是具备SWP接口的安全芯片。 [0072] wherein the financial IC card includes a security chip 230 is a SWP interface. 该安全芯片通过SWP接口与智能终端的NFC芯片600连接,这样,应用/操作控制操作系统530能够通过NFC芯片600对该安全芯片进行访问。 The secure NFC chip connected by chip SWP interface with the intelligent terminal 600, so that the application / operation of the control operating system 530 can access the secure chip 600 through the NFC chip.

[0073] 在本实施方式中,金融IC卡230被定制成与SM相同尺寸的PLUG-1N卡样式的插卡。 [0073] In the present embodiment, the financial IC card and the card 230 is customized to PLUG-1N card size SM of the same style. 金融IC卡卡槽是与上述金融IC卡230样式匹配的PLUG-1N卡样式的卡槽,该金融IC卡卡槽的尺寸与SIM卡卡槽的尺寸相同,并且该金融IC卡卡槽和SIM卡卡槽分别独立设置。 Financial IC card slot with the above-described pattern matching financial IC card 230 of PLUG-1N style card slot, the same size as the size of the financial IC card slot of the SIM card slot, and the financial IC card slot and SIM card slot provided independently.

[0074] 在本实施方式中,非接天线具有天线触点,该非接天线布置在智能终端的后盖内,优选地,该非接天线以线圈的方式缠绕在智能终端的后盖内。 [0074] In the present embodiment, the non-contact antenna having antenna contact, connected to the antenna disposed within the non-intelligent terminal cover, preferably, the non-contact coil antenna is wound so as to cover the intelligent terminal. 并且将上述非接天线设置为在上述智能终端的后盖盖上的情况下上述非接天线的上述天线触点与上述金融IC卡卡槽的天线触点电连接。 And the non-contact antenna to antenna contact is electrically connected to the antenna of the non-contact antenna with said financial IC card slot in the back cover is connected to the smart terminal cover.

[0075] 在本实施方式中,NFC芯片600是智能终端本身具备的芯片,NFC芯片600通过SffP协议与安全芯片进行交互,本实施方式的可嵌入金融IC卡的智能终端能够支持近场支付与远程支付。 [0075] In the present embodiment, the NFC chip 600 is an intelligent terminal itself has the chip, the NFC chip 600 by interacting SffP agreement with the security chip, the present embodiment may be embedded intelligent terminal financial IC card can support near field payment and remote payment. 在近场支付与远程支付的情况下,都需要经由智能终端上的NFC芯片600,并由NFC芯片600进行数据的重新封装与转发。 In the case of the near-field payment and remote payment, we need 600 via NFC chip on a smart terminals, NFC chip 600 by re-packaging and forwarding data. 其中,远程支付时,应用/操作控制操作系统530中的应用可通过ISO 7816协议与NFC芯片600进行通讯,而近场支付时,可以是外界POS终端通过ISO 14443协议与NFC芯片600进行通讯。 Wherein the remote payment application / operation of the application control operating system 530 may communicate via ISO 7816 protocol with the NFC chip 600, and the near field payment, it may be outside the POS terminal to communicate through the ISO 14443 protocol with the NFC chip 600.

[0076] 作为本第三实施方式的变形例,还可以设置为将金融IC卡230与智能终端的应用/操作控制操作系统530直接连接。 [0076] As a third embodiment of the present modification may also be arranged to apply a direct connection with the financial IC card intelligent terminal 230/530 operating the control operating system. 图6是表示了这种变形例的可嵌入金融IC卡的智能终端的结构框图。 FIG 6 is a block diagram showing this embodiment of the intelligent terminal may be embedded in the financial IC card deformation. 在该连接方式下,近场支付时的通信方式不变,而进行远程支付时的通信方式,则更改为应用/操作控制操作系统530中的应用通过ISO 7816 口直接与安全芯片进行交互,而不需要再通过NFC芯片600进行中转。 In this connection, when the near field communication payment unchanged, while the communication system is a remote payment, it changes to the application the application / operation of the control operating system 530 by way of the port directly to ISO 7816 with the security chip, and no further transit through the NFC chip 600.

[0077] 在本第三实施方式中,智能终端内配有NFC芯片600,因而智能终端能通过该NFC芯片600访问安全芯片内的应用,扩展了金融IC卡的功能,能够支持通过智能终端上的客户端软件实现远程支付功能。 [0077] In the third embodiment, the smart terminal is equipped with an NFC chip 600, and thus the application to access the secure chip NFC chip 600 through the intelligent terminal, extend the functionality of the financial IC card can support by the intelligent terminal client software for remote payment function. 因为在智能终端中已经具备NFC芯片600,因此本实施方式的可嵌入金融IC卡的智能终端能够实现基于各种卡模式、读卡器模式、P2P模式等多样化的应用形式。 Since already in the intelligent terminal 600 includes an NFC chip, and therefore may be embedded in a smart financial IC card terminal according to the present embodiment can be realized based on various diverse applications in the form of card mode, the reader mode, P2P mode.

[0078] 另一方面,由于智能终端在硬件上都已支持,无需额外的添加,但需要在目前使用的支付客户端上进行一定的改动。 [0078] On the other hand, due to the intelligent terminals are supported in hardware, no additional add, but requires some changes in the payment the client currently in use. 由于通讯接口不再是基于SD卡文件系统形式或者7816接口形式,需要改为支持NFC接口形式,因此,会带来一定的软件成本。 Since the communication interface is no longer based on the SD card file system interface to the form or 7816 form, the form needs to be changed to support the NFC interface, therefore, will bring some software costs. 但是这种改动使用的是操作系统提供的原生NFC接口,相对而言更为标准化。 But this change is to use the operating system provides native NFC interface, relatively more standardized.

[0079] 上面,对于本发明的第一~第三实施方式的可嵌入金融IC卡的智能终端进行了说明,以下对于这三种实施方式在智能终端的硬件改动、软件开发、成本、以及功能性方面等分别存在着各自的优缺点再进行简单比较,具体如下表1所示: [0079] above, the first to third embodiments of the present invention may be embedded intelligent terminal financial IC card has been described, the following three embodiments for these changes in the hardware of the intelligent terminal, software development, cost, and functional terms, respectively, then there are advantages and disadvantages of a simple comparison, shown in table 1 as follows:

表1 Table 1

Figure CN103971456AD00101

如表1所示,从终端改造复杂度来看,第一实施方式中只添加了一个卡槽和天线,因此改动成本最小;第二实施方式中添加一个卡槽、天线以及与金融ic卡的通信接口线路,改造成本适中;第三实施方式中改动较大,不但需要智能终端本身就支持NFC,还需添加一个卡槽和天线。 As shown in Table 1, the transformation of the terminal from the complexity point of view, only the first embodiment and adds a slot antenna, and therefore changes the minimum cost; add a slot antenna and a financial ic card of the second embodiment a communication interface line, the transformation of moderate cost; large changes in the third embodiment, not only need to support the NFC intelligent terminal itself, and the need to add a slot antenna. 再者,从终端软件改动复杂度来看,第一实施方式中不支持终端软件,因此无需改造;第二实施方式中需要在操作系统层面修改与安全芯片连接的通信接口驱动程序,因此改造较大;第三实施方式中只需要终端软件改造与金融IC卡的通讯接口,因此改动适中。 Moreover, the complexity of the change from the terminal software point of view, the first embodiment does not support the terminal software, so no transformation; need to modify the second embodiment the communication interface connected to the security chip driver in the operating system level, and therefore more transformation large; the third embodiment, the terminal software only needs to reform and financial IC card communication interface, so change is moderate.

[0080] 基于上述内容,本发明提出了一种实现嵌入式金融IC卡的智能终端,利用本发明的智能终端,能够有效提高金融IC卡的便携性和易用性。 [0080] Based on the foregoing, the present invention proposes an implementation of an embedded intelligent terminal financial IC card, using a smart terminal of the present invention can effectively improve the ease of use and portability of the financial IC card. 例如,本发明的实现嵌入式金融IC卡的智能终端还可以在成本控制的基础上,很好地将智能终端与金融IC卡结合起来。 For example, implementation of embedded smart financial IC card terminal of the present invention may also be controlled on the basis of cost, the smart device and the well financial IC card together. 例如,可以在金融IC卡上实现个人理财等等功能,因为该金融IC卡是可以由银行自行发卡与控制的,所以内容上是可以根据银行业务进行个性化定制,更有利于银行扩大用户范围增加业务量。 For example, implemented on financial IC card personal finance function, etc., because of the financial IC card issuing bank can own and control, so the content can be personalized according to banking services, the bank is more conducive to the expansion of the range of users increase in business volume.

[0081] 而且,通过在智能终端中设置这样的金融IC卡,能够很好地应对目前运营商对SIM卡产业链的强控制力,更便于国内一些较大的银行、第三方机构等在智能终端上控制自己的移动支付应用,也更利于推动移动支付产业的发展。 [0081] Furthermore, by providing such financial IC card in the intelligent terminal, able to cope well with the current operators of the strong control over the SIM card industry chain, domestic easier to some of the larger banks, institutions and other third-party smart the terminal control their own mobile payment applications, but also more conducive to promoting the development of mobile payment industry.

[0082] 其次,相比于目前移动支付SD卡,由于此金融IC卡是采用类PLUG-1N卡设计,则其在实现上可以继续沿用现有PLUG-1N卡制造工艺,将可以更好的降低移动支付的成本,提高银行乃至用户的积极性与参与性。 [0082] Second, compared to the current mobile payment SD card, since this is the use of an IC card-based financial PLUG-1N card design, it may continue to use the conventional card manufacturing process PLUG-1N in the realization, it will be better reduce the cost of mobile payment and improve motivation and participation banks as well as users.

[0083] 以上例子主要说明了本发明的可嵌入金融IC卡的智能终端。 [0083] Examples of the above described main terminal may be embedded in the smart financial IC card of the present invention. 尽管只对其中一些本发明的具体实施方式进行了描述,但是本领域普通技术人员应当了解,本发明可以在不偏离其主旨与范围内以许多其他的形式实施。 Although only some embodiments of the present invention which have been described, those skilled in the art will appreciate, the present invention may be made without departing from the spirit and scope of the embodied in many other forms. 因此,所展示的例子与实施方式被视为示意性的而非限制性的,在不脱离如所附各权利要求所定义的本发明精神及范围的情况下,本发明可能涵盖各种的修改与替换。 Thus, with the illustrated example embodiment be considered as illustrative and not restrictive, without departing from the spirit and scope of the invention as defined in the annexed claims the present invention may cover various modifications and replacement.

Claims (16)

  1. 1.一种可嵌入金融IC卡的智能终端,其特征在于,所述智能终端包括: 设置在所述智能终端内并用于插入金融IC卡的金融IC卡卡槽; 与所述金融IC卡耦接的非接天线;以及所述金融IC卡为PLUG-1N卡样式的金融IC卡。 An intelligent terminal may be embedded in the financial IC card, wherein the intelligent terminal comprises: disposed in the intelligent terminal and financial IC card for insertion of a financial IC card slot; coupled with the financial IC card non-contact antenna connection; and the financial IC card is a card style PLUG-1N financial IC card.
  2. 2.如权利要求1所述的可嵌入金融IC卡的智能终端,其特征在于, 所述金融IC卡为支持非接功能的安全芯片。 May be embedded as claimed in claim 1 financial IC card of the intelligent terminal, wherein the secure financial IC card chip to support the non-contact function.
  3. 3.如权利要求2所述的可嵌入金融IC卡的智能终端,其特征在于, 所述非接天线布置在所述智能终端的后盖内, 所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, 将所述非接天线设置为在所述智能终端的后盖盖上的情况下所述第一天线触点与所述第二天线触点电连接。 As claimed in claim 2 may be embedded in the financial IC card of the intelligent terminal, wherein the non-contact antenna disposed within the rear cover of the smart terminal, then the non-contact antenna having a first antenna, the financial IC card slot has a second line contact, the non-contact antenna is disposed to contact the first antenna and the second antenna contact in the case of the rear cover of the intelligent terminal the electrical connection.
  4. 4.如权利要求2所述的可嵌入金融IC卡的智能终端,其特征在于, 所述非接天线集成在所述金融IC卡内, 所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, 将所述非接天线集成为在所述金融IC卡插入所述金融IC卡卡槽内时所述第一天线触点与所述第二天线触点电连接。 As claimed in claim 2 may be embedded intelligent terminal financial IC card, wherein said non-contact antenna integrated in the financial IC card, the non-contact antenna having a first antenna contact, said financial IC card slot has a second line contact, the non-contact antenna is integrated in the financial IC card is inserted into the groove of the first financial IC card antenna and the second antenna contact touch point electrical connection.
  5. 5.如权利要求1所述的可嵌入金融IC卡的智能终端,其特征在于, 所述金融卡IC包括支持非接功能的NFC芯片、安全芯片以及天线接口。 May be embedded as claimed in claim 1, said intelligent terminal financial IC card, wherein said IC card includes an NFC-enabled financial chip non-contact function of the security chip and an antenna connector.
  6. 6.如权利要求5所述的可嵌入金融IC卡的智能终端,其特征在于, 所述智能终端还具备对智能终端进行应用、操作控制的操作系统, 所述安全芯片至少具有与所述操作系统连接的第一通信接口;以及与所述NFC芯片连接的第二通信接口。 As claimed in claim 5, wherein the intelligent terminal may be embedded in the financial IC card, wherein the terminal further includes a intelligent intelligent terminal application, operational control of the operating system, the security chip having at least the operation a first communication interface connected to the system; and a second communication interface connecting with the NFC chip.
  7. 7.如权利要求6所述的可嵌入金融IC卡的智能终端,其特征在于, 所述第二通信接口是SWP接口。 As claimed in claim 6 may be embedded in the financial IC card of the intelligent terminal, wherein the second communication interface is a SWP interface.
  8. 8.如权利要求7所述的可嵌入金融IC卡的智能终端,其特征在于, 所述第一通信接口是7816接口、SPI接口、MMC接口、IC-USB接口中的任意一种。 As claimed in claim 7, the intelligent terminal may be embedded in the financial IC card, wherein the first communication interface 7816 is an interface, SPI interfaces, MMC interfaces, any one IC-USB interface.
  9. 9.如权利要求8所述的可嵌入金融IC卡的智能终端,其特征在于, 所述非接天线布置在所述智能终端的后盖内, 所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, 将所述非接天线设置为在所述智能终端的后盖盖上的情况下所述第一天线触点与所述第二天线触点电连接。 As claimed in claim 8, the intelligent terminal may be embedded in the financial IC card, wherein said non-contact antenna disposed within the rear cover of the smart terminal, then the non-contact antenna having a first antenna, the financial IC card slot has a second line contact, the non-contact antenna is disposed to contact the first antenna and the second antenna contact in the case of the rear cover of the intelligent terminal the electrical connection.
  10. 10.如权利要求8所述的可嵌入金融IC卡的智能终端,其特征在于, 所述非接天线集成在所述金融IC卡内, 所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, 将所述非接天线集成为在所述金融IC卡插入所述金融IC卡卡槽内时所述第一天线触点与所述第二天线触点电连接。 As claimed in claim 8, the intelligent terminal may be embedded financial IC card, wherein said non-contact antenna integrated in the financial IC card, the non-contact antenna having a first antenna contact, said financial IC card slot has a second line contact, the non-contact antenna is integrated in the financial IC card is inserted into the groove of the first financial IC card antenna and the second antenna contact touch point electrical connection.
  11. 11.如权利要求1所述的可嵌入金融IC卡的智能终端,其特征在于, 所述智能终端还具备:对智能终端进行应用/操作控制操作系统;以及与所述操作系统连接并且能够实现非接功能的NFC芯片,所述金融IC卡是具备SWP接口的安全芯片。 As claimed in claim 1 may be embedded intelligent terminal financial IC card, wherein the smart terminal further comprising: intelligent terminal application / operation of the control operating system; and a connection with the operating system and can be implemented contactless chip NFC function, the financial IC card is provided with a security chip SWP interface.
  12. 12.如权利要求11所述的可嵌入金融IC卡的智能终端,其特征在于, 所述安全芯片通过所述SWP接口与所述智能终端的NFC芯片连接, 所述操作系统通过所述NFC模块对所述安全芯片进行访问。 Financial IC card can be embedded intelligent terminal as claimed in claim 11, wherein the security chip through the SWP interface NFC chip is connected to the intelligent terminal, the operating system via the NFC module access to the secure chip.
  13. 13.如权利要求12所述的可嵌入金融IC卡的智能终端,其特征在于, 所述非接天线布置在所述智能终端的后盖内, 所述非接天线具有第一天线触点,所述金融IC卡卡槽具有第二天线触点, 将所述非接天线设置为在所述智能终端的后盖盖上的情况下所述第一天线触点与所述第二天线触点电连接。 As claimed in claim 12, wherein the intelligent terminal may be embedded in the financial IC card, wherein said non-contact antenna disposed within the rear cover of the smart terminal, then the non-contact antenna having a first antenna, the financial IC card slot has a second line contact, the non-contact antenna is disposed to contact the first antenna and the second antenna contact in the case of the rear cover of the intelligent terminal the electrical connection.
  14. 14.如权利要求13所述的可嵌入金融IC卡的智能终端,其特征在于, 所述金融IC卡与所述应用/操作控制操作系统直接连接。 Financial IC card can be embedded intelligent terminal as claimed in claim 13, wherein the financial IC card and said application / operation of the control operating system is directly connected.
  15. 15.如权利要求1~14所述的可嵌入金融IC卡的智能终端,其特征在于, 所述智能终端还具备设置在所述智能终端内并用于插入SM卡的SM卡卡槽, 所述金融IC卡卡槽的尺寸与所述SIM卡卡槽的尺寸相同, 所述金融IC卡的尺寸与所述SIM卡的尺寸相同。 May be embedded as claimed in claim 1 to 14. The intelligent terminal of the financial IC card, wherein the terminal further includes a intelligent provided for insertion into the SM and SM card slot in said smart card terminal, the the same size of the financial IC card slot of the SIM card slot, the same size as the size of the financial IC card of the SIM card.
  16. 16.如权利要求15所述的可嵌入金融IC卡的智能终端,其特征在于, 所述金融IC卡卡槽和所述SIM卡卡槽分别独立设置。 As claimed in claim 15, the intelligent terminal may be embedded in the financial IC card, wherein the financial IC card and said SIM card slot grooves are provided independently.
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