CN104239945A - Universal card - Google Patents

Universal card Download PDF

Info

Publication number
CN104239945A
CN104239945A CN 201410461439 CN201410461439A CN104239945A CN 104239945 A CN104239945 A CN 104239945A CN 201410461439 CN201410461439 CN 201410461439 CN 201410461439 A CN201410461439 A CN 201410461439A CN 104239945 A CN104239945 A CN 104239945A
Authority
CN
Grant status
Application
Patent type
Prior art keywords
card
universal
payment
terminal
mobile
Prior art date
Application number
CN 201410461439
Other languages
Chinese (zh)
Inventor
张乘风
徐晓伟
Original Assignee
上海坤锐电子科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date

Links

Abstract

The invention discloses a universal card. The universal card comprises an RFID antenna, a power management unit, a rechargeable battery, a double-interface card body, a 7816 interface, a wireless transceiver, a wireless transmitting and receiving antenna, a safety controller and a human-computer interface. The boundary dimension of the universal card is identical to a traditional 7816 smart card or a traditional 14443 smart card, and the universal card can be used as a contact card or a non-contact card. Different types of cards or multiple cards of the same type can be stored. The universal card is compatible with existing ISO/IEC7816, NFC, ISO/IEC14443, ISO/IEC15693 and other standards. The universal card can be connected with a personal mobile terminal and has access to the internet and is connected with a payment operator through the personal mobile terminal, and therefore payment to multiple operators can be achieved with the same card. Through data interaction, secret key secondary or real-time authentication with the personal mobile terminal, the safety and the real-time performance of the universal card are improved when the universal card is used as an ATM card. The universal card has the advantages of being convenient to use, convenient to carry, wide in application range, capable of facilitating payment, high in safety, high in expansion capability, transplantable and the like.

Description

一种万能卡 A versatile card

技术领域 FIELD

[0001] 本发明涉及智能卡,特别是一种万能卡,其外形与普通智能卡相同,可以兼容接触式或非接触式或双界面,并装有短距离无线通信装置,可以与个人移动终端连接。 [0001] The present invention relates to a smart card, in particular a Universal Card, which is the same shape and general smart cards can be compatible with contact or contactless or dual interface type, and equipped with short range wireless communication device, may be connected to a personal mobile terminal.

背景技术 Background technique

[0002]自从智能卡技术诞生以来,其在我们日常生活中的应用越来越广泛。 [0002] Since the birth of smart card technology, its application in our daily lives more and more widely. 常用的智能卡种类包括接触式IC卡、接触或非接触CPU卡、非接触RFID智能卡等等。 Common species include smart card contactless IC card, CPU contact or contactless cards, contactless RFID smart card or the like. 各种智能卡在我们日生活方面的应用越来越广泛,其广泛应用于公交卡、金融卡、电话卡、各种会员卡、手机NFC支付等; Smart cards in our daily lives more and more widely, it is widely used in public transportation card, debit card, phone cards, various membership cards, mobile NFC payments;

[0003] 这些卡片由于采用的技术、标准、安全等级、读卡设备的不同,不可能采用一张卡来代替其他卡;即使采用相同的标准,由于发行方不同,也需要多张卡。 [0003] These cards due to different technical standards, security level, reader devices employ, impossible to use a card instead of other cards; even with the same standard, because of the different issuers, also need more than one card. 生活中我们常常随身携帯多张卡,例如一张或多张银行卡、一张公交卡和一张或多张超市积分卡等等,这些卡片不仅占用空间,而且卡片太多不易保管、携帯。 Life we ​​often carry Bands carry multiple cards, such as one or more bank cards, a bus card and one or more sheets supermarket loyalty cards, etc. These cards not only space, but too much is not easy to keep the card, carrying Bands. 同时,不断发行的各种卡在资源上造成巨大的浪费,也污染了环境。 At the same time, we continue to issue various cards cause enormous waste of resources, but also pollutes the environment.

[0004] 传统的智能卡还存在以下风险,其基本数据和安全数据保存在卡的芯片上,一旦卡丢失,存在被他人盗用的风险。 [0004] traditional smart card also there is a risk, the basic data and security data stored on the chip card, once the card is lost, there is the risk of unauthorized use.

[0005] 随着智能手机移动终端的广泛使用,各种终端运用越来越丰富,而传统的智能卡无法连接移动终端或互联网,因此很难扩展功能和应用。 [0005] With the widespread use of smart phones mobile terminals, terminal use has become increasingly diverse, and traditional smart card can not connect mobile terminals or the Internet, it is difficult to extend the functionality and applications.

发明内容 SUMMARY

[0006] 为克服上述现有技术的不足,本发明提出一种万能卡,以解决卡片过多及一张卡不能在多个方面应用的问题,并且可以通过短距离无线通信与手机等个人智能终端连接,并通过个人智能终端上的应用软件链接入运营商或互联网,大大增强了整个系统的扩展能力、可移植性和安全性。 [0006] To overcome the above deficiencies of the prior art, the present invention provides a universal card, in order to solve the problem of too many cards and a card can not be applied in various aspects, and may be personal smart via short-range wireless communication with mobile phones terminal connection, and the operators or the Internet through the application of software link to personal intelligent terminal, greatly enhancing the scalability of the entire system, portability and security.

[0007] 本发明的技术方案是: [0007] aspect of the present invention is:

[0008] 一种万能卡,其特点在于,包括RFID天线、电源管理单元、充电电池、双界面卡、7816接口、无线收发器、无线收发天线、安全控制器和人机界面; [0008] A Universal Card, which is characterized, including an RFID antenna, the power management unit, a rechargeable battery, dual interface card, the interface 7816, a wireless transceiver, a radio antenna, the security controller and HMI;

[0009] 所述的RFID天线与双界面卡中的智能芯片相连,用于接受或发送信号; [0009] The RFID antenna and dual interface smart card chip is connected for receiving or transmitting a signal;

[0010] 所述的RFID天线和电源管理模块相连,充电电池通过无线方式,从读卡器上获得能量,传送给电源管理模块; [0010] The RFID antenna and a power management module connected wirelessly rechargeable battery, the energy from the reader, to transmit the power management module;

[0011] 所述的电源管理模块分别与所述的双界面卡、安全控制器、无线收发器相连,为它们供电,并进行节电管理; [0011] The power management module of the dual interface cards, respectively, the safety controller, a wireless transceiver connected to power them, and saving management;

[0012] 所述的电源管理模块与7816接口相连,该7816接口与双界面卡相连; [0012] The power management module connected to the interface 7816, the interface 7816 is connected to the dual interface cards;

[0013] 所述的双界面卡具有接触和非接触两个界面,接触界面采用IS07816协议,通过7816接口进行数据交互,该双界面卡的无线接口与RFID天线相连,实现支持协议ISO/IEC14443或IS0/IEC15693或NFC,双界面卡的数据接口与安全控制器相连,向安全控制器传递密钥或加密信息; The dual interface card [0013] having two contact and contactless interface, the contact interface with IS07816 protocol exchanges data through the interface 7816, the dual interface card is connected to a wireless interface with the RFID antenna implementation supports the protocol ISO / IEC14443 or IS0 / IEC15693 or the NFC, dual interface card and security data interface connected to the controller, or encryption key information is transmitted to the safety controller;

[0014] 所述的安全控制器与无线收发器相连,该无线收发器与无线收发天线相连,通过无线手段获得信息,并存储于安全控制器内,安全控制器传递给双界面卡机密信息或用于双界面卡的安全权限验证; Security Controller [0014] The wireless transceiver is connected with the wireless transceiver and a wireless transceiver connected to the antenna, access to information through wireless means, and stored in the safety controller, the controller is transmitted to the security of confidential information or dual interface cards security permissions for dual interface card verification;

[0015] 所述的无线收发器与无线收发天线相连,所述的人机界面与双界面卡相连,用于选着卡的工作模式、确认或显示卡的交易信息。 [0015] The wireless transceiver and a wireless transceiver connected to the antenna, the man-machine interface with the dual interface card is connected, for selecting the mode of operation of the card, or to confirm the transaction information display card.

[0016] 所述的人机界面具有一个或多个控制键和一个显示屏。 [0016] The man-machine interface having one or more control keys and a display.

[0017] 所述的万能卡通过个人移动终端与互联网连接,并与支付运营商连接。 [0017] The card connector of the universal personal mobile terminal via the Internet, and is connected to the payment operator.

[0018] 所述的万能卡在与支付运营商连接后,可下载使用者在多个支付运营商的账户信息,从而用一张卡实现多个运营商的支付。 [0018] After the Universal Card payment operator connected, the user can download the payment account information at a plurality of carriers, whereby a plurality of operators to pay with a card implemented.

[0019] 所述的7816接口是标准的标准的IS07816接口。 [0019] The 7816 interface is a standard interface to the standard IS07816.

[0020] 所述的无线收发器是蓝牙或WiFi手机用的短距离无线通信芯片。 [0020] The wireless transceiver is a mobile phone with WiFi or Bluetooth short-range wireless communication chip.

[0021] 双界面卡6采用双界面芯片,接触和非接触两个界面,接触界面采用IS07816协议,非接触界面支持协议IS0/IEC14443或IS0/IEC15693或NFC,所述的双界面芯片如果其中的智能卡芯片采用NFC的CLF,则此卡还可以当非接触读卡器用; [0021] The dual interface card 6 dual interface chip, two contact and contactless interface, the contact interface with IS07816 protocol, the protocol supports non-contact interface IS0 / IEC14443 or IS0 / IEC15693 or the NFC, if the dual interface chip therein the smart card chip NFC CLF, this card can also be used when the non-contact card reader;

[0022] 无线收发器8是蓝牙、WiFi等手机用的短距离无线通信芯片;但不限于蓝牙,WiFi,其他如音频,红外等等短距离通信技术也是本发明的范围。 [0022] The wireless transceiver 8 is a Bluetooth, WiFi, mobile phone and other short range wireless communication chip; but not limited to Bluetooth, WiFi, others such as audio, and so an infrared short range communication technology is the scope of the present invention.

[0023] 无线收发天线4是与无线收发器8相匹配的天线; [0023] 4 radio antenna 8 is a wireless transceiver antenna matches;

[0024] 充电电池用于供电,是可充电或一次性的电池,其厚度小于智能卡标准厚度; [0024] rechargeable battery for supplying power, rechargeable or disposable batteries, the thickness thereof is smaller than the thickness of the smart card standard;

[0025] 电源管理单元用于给芯片供电,同时也可以从7816接口或RFID天线I得到能量,用以给充电电池充电。 [0025] Power management unit for power supply to the chip, but also from the 7816 interface or RFID antenna I to give energy to a rechargeable battery.

[0026] 安全控制器用于存储万能卡的机密信息(如认证信息、数字证书); [0026] The security controller for confidential information (such as authentication information, digital certificates) universal memory card;

[0027] 本发明的工作原理如下: [0027] The working principle of the present invention is as follows:

[0028] 发卡阶段,通过短距离无线收发器与手机等个人智能终端连接,并通过个人智能终端上的应用软件与云平台建立数据链接。 [0028] issuing stage, connected by a short-range wireless transceivers and mobile phones and other personal intelligent terminal, and set up a data link through the application software and platform personal cloud intelligent terminal. 云平台可以过应用软件进行空中发卡,把卡信息传递到此万能卡上的安全控制器。 Cloud platform through application software air card, pass card information to this universal security controller on the card. 此卡的存储容量较大,可以存储多个智能卡信息,从而实现一^多用。 Larger memory capacity of this card, the smart card may store a plurality of information, in order to achieve a multi ^.

[0029] 使用阶段,使用者通过应用软件选择要使用的类型或种类的卡,通过无线收发器,通知万能卡选用某种类型的卡则万能卡就用所选择的类型进行支付等操作。 [0029] Using phase, the user selects the type or kind of the card to be used by the application software, through the wireless transceiver, Universal Card selection notice some type of card is a universal payment cards and other operations with the selected type. 而此时此万能卡相当于一张接触式卡或非接触式卡,可以与POS机上(可以是接触式或非接触式)进行卡操作;万能卡在与POS机通信的同时可以从POS机得到电能(7816接口5或RFID天线I),对电池3进行充电。 This case corresponds to the Universal Card contactless card or a contactless card, the POS machine may (can be a contact or contactless) card for operation; Universal Card while communicating with the POS POS machine from to obtain electric energy (5 or RFID antenna 7816 interfaces I), terephthalic the battery 3 is charged.

[0030] 与现有技术相比,本发明的有益效果是: [0030] Compared with the prior art, the beneficial effects of the present invention are:

[0031] I) 一张卡、外形与与传统的IS07816或IS14443智能卡相同,可以当做一张接触式或非接触式卡使用,与传统卡无异; [0031] I) a card, with the conventional shape and IS07816 or IS14443 same smart card can be used as a contact or non-contact type card, the card is no different from the traditional;

[0032] 2)采用双界面卡与安全控制器,可以存储多张不同类型及多张相同类型的卡,可兼容现有的IS07816、NFC、IS014443和IS015693等标准,实现一^^多用; [0032] 2) The security controller and dual interface cards, may store a plurality of different types and a plurality of cards of the same type, compatible with the existing IS07816, NFC, IS014443 and the like IS015693 standard, to achieve a multi-^^;

[0033] 3)本发明万能卡可以通过个人移动终端与互联网连接,与支付运营商连接。 [0033] 3) Universal Card present invention may be connected to the Internet via a personal mobile terminal, connected to the payment operator. 此万能卡在与支付运营商连接后,可以下载使用者在多个支付运营商的账户信息,从而用一张卡实现多个运营商的支付;通过个人移动终端的APP进行数据交互、密钥数据二次或实时认证,提高了此卡作为金融卡时的安全性和实时性; This universal card in connection with the payment of the operator, the user can download payment account information in multiple carriers, thus pay multiple carriers implemented a card; data interaction through APP personal mobile terminal, the key secondary data or real-time authentication, improved upon as a financial card security and real-time card;

[0034] 4)充电采用智能卡接口,即在用卡交易的同时实现充电,不需要专门的充电装置。 [0034] 4) Charge smart card interface, i.e. at the same time for charge card transactions, no special charging device.

[0035] 5)具有使用方便、便于携带、应用广泛、便于支付、安全性高、扩展能力强、可移植性等优点。 [0035] 5) easy to use, easy to carry, is widely used to facilitate payment, safe, strong scalability, portability advantages.

附图说明 BRIEF DESCRIPTION

[0036] 图1是本发明万能卡的结构原理图。 [0036] FIG. 1 is a configuration diagram of the universal card of the present invention.

具体实施方式 detailed description

[0037] 以下,用实施例结合附图对本发明作更详细的描述。 [0037] Hereinafter, embodiments of the present invention in conjunction with the accompanying drawings be described in more detail. 这些实施例仅仅是对本发明最佳实施方式的描述,并不对本发明的范围有任何限制。 These examples are merely illustrative of the preferred embodiments of the present invention, there is not any limitation on the scope of the invention.

[0038] 请参阅图1,图1是本发明万能卡的结构原理图,如图所示,一种万能卡,包括RFID天线1、电源管理单元2、充电电池3、双界面卡6、7816接口5、无线收发器8、无线收发天线 [0038] Referring to FIG. 1, FIG. 1 is a configuration diagram of the Universal Card present invention, as shown, a versatile card 1 includes an RFID antenna, the power management unit 2, a rechargeable battery 3, dual interface cards 6,7816 interface 5, a wireless transceiver 8, a wireless transceiver antenna

4、安全控制器7和人机界面9 ;所述的RFID天线与双界面卡中的智能芯片相连,用于接受或发送信号;所述的RFID天线和电源管理模块相连,充电电池通过无线方式,从读卡器上获得能量,传送给电源管理模块2 ;所述的电源管理模块2分别与所述的双界面卡6、安全控制器7、无线收发器8相连,为它们供电,并进行节电管理;所述的电源管理模块2与7816接口5相连,该7816接口5与双界面卡6相连;所述的双界面卡6具有接触和非接触两个界面,接触界面采用IS07816协议,通过7816接口5进行数据交互,该双界面卡6的无线接口与RFID天线I相连,实现支持协议IS0/IEC14443或IS0/IEC15693或NFC,双界面卡6的数据接口与安全控制器7相连,向安全控制器7传递密钥或加密信息;所述的安全控制器7与无线收发器8相连,该无线收发器8与无线收发天线4相连,通过无线手段获得信息,并存储 4, safety controller and human-machine interface 7 9; RFID antenna and the dual interface smart card chip is connected for receiving or transmitting a signal; connected to the RFID antenna and the power management module, the rechargeable battery wirelessly , the energy from the reader, to transmit the power management module 2; the power management module 2 respectively dual interface card of claim 6, safety controller 7, 8 is connected to the wireless transceiver, to power them, and saving management; the power management module 7816 is connected to the interface 2 and 5, the 7816 interface 5 is connected to the dual interface card 6; dual interface card of claim 6 having two contact and contactless interface, the contact interface with IS07816 protocol, 7816 through the data exchange interface 5, the dual interface card and a wireless interface 6 is connected to the RFID antenna I, to achieve agreement supports connected IS0 / IEC14443 or IS0 / IEC15693 or the NFC, dual interface card security data interface controller 6 and 7, the the security controller 7 pass key or encryption information; security controller coupled to said wireless transceiver 8 and 7, 8 is connected to the radio transceiver and the radio antenna 4, to obtain information by wireless means, and storage 于安全控制器7内,安全控制器7传递给双界面卡6机密信息或用于双界面卡6的安全权限验证;所述的无线收发器8与无线收发天线4相连,所述的人机界面9与双界面卡6相连,用于选着卡的工作模式、确认或显示卡的交易信息。 7 in the safety controller, the safety controller 7 is transmitted to the dual interface card 6 confidential or security permissions for dual interface cards validation 6; wireless transceiver coupled to the radio antenna 8 and 4, the man-machine interface 9 connected to the dual interface card 6, for selecting the mode of operation of the card, or to confirm the transaction information display card.

[0039] 本发明的具体操作过程如下: [0039] In particular the process of this invention is as follows:

[0040] 发卡阶段:某使用者有一张或多张银行卡、一张公交卡、一张或多张超市积分卡。 [0040] issuers stages: a user has one or more bank cards, a bus card, one or more sheets supermarket loyalty cards. 银行卡开通手机银行和手机支付。 Bank card to open mobile banking and mobile payments. 银行在发普通银行卡的同时向万能卡发出一张副卡(通过云平台,向手机应用软件发送,再通过手机上的蓝牙与本发明万能卡上的无线收发器8通信,从而将卡的信息发送到万能卡上)或现场在POS机上通过万能卡上的接触式或非接触式接口,向万能卡发卡。 While ordinary bank from bank card issued to a sub-card Universal Card (sent to a mobile phone application platform through the cloud, then the communication via the radio transceiver 8 Bluetooth mobile phone and on the universal card of the present invention, so that the card information sent to the universal card) or a field on the POS machine by a contact or contactless interface to the universal card, the universal card issuer. 同样,公交和超市在发公交卡和超市卡的同时,也可以用同样的方法在万能卡上发卡。 Similarly, bus and supermarket hair while bus card and a supermarket card, you can also issuing on universal card the same way. 卡片的基本信息存储在手机上,以便以后手机操作,但机密信息(如认证信息、数字证书)则通过安全控制存储在万能卡的安全控制器中。 Basic information of this card is stored on the phone, after the phone for operation, but the confidential information (e.g., authentication information, a digital certificate) by the security control of the memory controller universal security card.

[0041] 使用银行卡:使用者需要使用银行卡时,在手机应用软件上选择要使用的银行卡,手机则通过蓝牙通知万能卡要使用的银行卡,并可根据万能卡的回复确认。 [0041] using a bank card: When users need to use a bank card, you want to use on mobile applications bank cards, mobile phones through Bluetooth notification universal card bank card to be used, and can confirm that according to the reply universal card. 此时使用者就可以把本发明万能卡当作一张普通的信用卡来使用。 At this point the user can put universal card of the invention as an ordinary credit card to use. 使用者可以设定让万能卡与手机在使用时保持蓝牙连接状态,一旦通信不成功(如万能卡丢失或被盗),则不允许交易,以提高用卡的安全性。 Users can set the phone to make and maintain the universal card when using a Bluetooth connection status, once the communication is unsuccessful (such as universal card is lost or stolen), it is not allowed to trade, in order to improve the security of the card used. 使用完后,交易记录可以传回手机,以便记录。 After use, transaction records can be transferred back to the phone, to record. 甚至可以传回银行以确认(银行会受到POS机传来的交易记录,这样可以核对)。 Even return the bank to confirm the (banking transactions POS machines will be coming, so you can check).

[0042] 使用公交卡:使用公交卡的方法与使用银行卡相同。 [0042] use public transportation card: use public transportation card bank card using the same method. 由于公交卡使用频度较高,手机应用软件可设定万能卡缺省处于公交卡状态,以方便使用。 As the bus cards are frequently used, mobile application software can be set in a universal card bus card default state for ease of use.

[0043] 各种卡间转移资金、圈存:个人移动终端上的应用软件可以实现万能卡中各卡之间的资金转移和圈存。 [0043] various transfers of funds between cards, Quancun: application software on the personal mobile terminal can be achieved through transfer and transfer of funds between the various cards Universal card. 当万能卡用作读写器时,可以实现万能卡与其他非接触卡之间的圈存。 When used as a universal card reader, can be achieved through transfer between the universal card and other non-contact card.

Claims (6)

  1. 1.一种万能卡,其特征在于,包括RFID天线(I)、电源管理单元(2)、充电电池(3)、双界面卡(6)、7816接口(5)、无线收发器(8)、无线收发天线(4)、安全控制器(7)和人机界面(9); 所述的RFID天线与双界面卡中的智能芯片相连,用于接受或发送信号; 所述的RFID天线和电源管理模块相连,充电电池通过无线方式,从读卡器上获得能量,传送给电源管理模块⑵; 所述的电源管理模块(2)分别与所述的双界面卡(6)、安全控制器(7)、无线收发器(8)相连,为它们供电,并进行节电管理; 所述的电源管理模块⑵与7816接口(5)相连,该7816接口(5)与双界面卡(6)相连; 所述的双界面卡(6)具有接触和非接触两个界面,接触界面采用IS07816协议,通过7816接口(5)进行数据交互,该双界面卡(6)的无线接口与RFID天线(I)相连,实现支持协议IS0/IEC14443或IS0/IEC15693或NFC,双界面卡(6)的数据接口与安 A Universal Card, which is characterized in that an RFID antenna (the I), power management unit (2), a rechargeable battery (3), dual interface card (6), the interface 7816 (5), a radio transceiver (8) , radio antenna (4), the safety controller (7) and the human-machine interface (9); the RFID antenna and dual interface smart card chip is connected for receiving or transmitting a signal; and the RFID antenna power management module connected wirelessly rechargeable battery, the energy from the reader, to transmit the power management module ⑵; the power management module (2) respectively of the dual interface card (6), the security controller (7), a wireless transceiver (8) connected to their power, and electric power in; ⑵ the power management module 7816 and an interface (5) is connected to the 7816 interface (5) with the dual interface card (6) connected; said dual interface card (6) having two contact and contactless interface, the contact interface with IS07816 protocol exchanges data through the interface 7816 (5), the dual interface card (6) with the RFID antenna wireless interface ( I) connected to the protocol implementation supports IS0 / IEC14443 or IS0 / IEC15693 or the NFC, dual interface card (6) and security data interface 全控制器(7)相连,向安全控制器(7)传递密钥或加密信息; 所述的安全控制器(7)与无线收发器(8)相连,该无线收发器(8)与无线收发天线(4)相连,通过无线手段获得信息,并存储于安全控制器(7)内,安全控制器(7)传递给双界面卡(6)机密信息或用于双界面卡(6)的安全权限验证; 所述的无线收发器(8)与无线收发天线(4)相连,所述的人机界面(9)与双界面卡(6)相连,用于选着卡的工作模式、确认或显示卡的交易信息。 Full controller (7) is connected, or encryption key information is transmitted to the safety controller (7); said safety controller (7) with a wireless transceiver (8) connected to the radio transceiver (8) and a wireless transceiver an antenna (4) is connected by wireless means to obtain information, and stored in (7) the safety controller, the safety controller (7) to the dual interface card (6) for secure confidential or dual interface card (6) rights verification; a wireless transceiver (8) and the radio antenna (4), said man-machine interface (9) with a dual interface card (6) is connected, for selecting the mode of operation of the card, or to confirm transaction information display card.
  2. 2.根据权利要求1所述的万能卡,其特征在于,所述的人机界面(9)具有一个或多个控制键和一个显示屏。 The Universal Card according to claim 1, characterized in that said man-machine interface (9) having one or more control keys and a display.
  3. 3.根据权利要求1所述的万能卡,其特征在于,所述的万能卡通过个人移动终端与互联网连接,并与支付运营商连接。 Universal Card according to claim 1, wherein said universal card connected to the Internet via a personal mobile terminal, and is connected to the payment operator.
  4. 4.根据权利要求3所述的万能卡,其特征在于所述的万能卡在与支付运营商连接后,可下载使用者在多个支付运营商的账户信息,从而用一张卡实现多个运营商的支付。 Universal Card according to claim 3, wherein said universal card in connection with a payment operator, the user can download the payment account information at a plurality of carriers, thereby achieving a plurality of cards with payment operators.
  5. 5.根据权利要求1所述的万能卡,其特征在于,所述的7816接口(5)是标准的标准的IS07816 接口。 Universal Card according to claim 1, characterized in that, the 7816 interface (5) is a standard interface to the standard IS07816.
  6. 6.根据权利要求1所述的万能卡,其特征在于,所述的无线收发器(8)是蓝牙或WiFi手机用的短距离无线通信芯片。 Universal Card according to claim 1, wherein said radio transceiver (8) is a mobile phone with Bluetooth or WiFi short-range wireless communication chip.
CN 201410461439 2014-09-11 2014-09-11 Universal card CN104239945A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN 201410461439 CN104239945A (en) 2014-09-11 2014-09-11 Universal card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN 201410461439 CN104239945A (en) 2014-09-11 2014-09-11 Universal card

Publications (1)

Publication Number Publication Date
CN104239945A true true CN104239945A (en) 2014-12-24

Family

ID=52227967

Family Applications (1)

Application Number Title Priority Date Filing Date
CN 201410461439 CN104239945A (en) 2014-09-11 2014-09-11 Universal card

Country Status (1)

Country Link
CN (1) CN104239945A (en)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101917216A (en) * 2010-08-25 2010-12-15 罗正棣 System and method for realizing safe mobile application by adopting Bluetooth intelligent card
US8066191B1 (en) * 2009-04-06 2011-11-29 Dynamics Inc. Cards and assemblies with user interfaces
CN103368743A (en) * 2013-07-08 2013-10-23 深圳市文鼎创数据科技有限公司 Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card
CN203799404U (en) * 2014-03-31 2014-08-27 广州移讯网络科技有限公司 Hand-held smart BLE IC card

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8066191B1 (en) * 2009-04-06 2011-11-29 Dynamics Inc. Cards and assemblies with user interfaces
CN101917216A (en) * 2010-08-25 2010-12-15 罗正棣 System and method for realizing safe mobile application by adopting Bluetooth intelligent card
CN103368743A (en) * 2013-07-08 2013-10-23 深圳市文鼎创数据科技有限公司 Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card
CN203799404U (en) * 2014-03-31 2014-08-27 广州移讯网络科技有限公司 Hand-held smart BLE IC card

Similar Documents

Publication Publication Date Title
US8233841B2 (en) Near field communication initialization
US20060091200A1 (en) Method and apparatus for integrating a mobile phone with a contactless IC card
US20140172700A1 (en) Digital wallet device for virtual wallet
US20130092741A1 (en) Wireless smart card and integrated personal area network, near field communication and contactless payment system
US20100203870A1 (en) Systems and methods for contactless payment authorization
US20090100511A1 (en) Method and apparatus for use in personalizing identification token
CN1514635A (en) Method of realizing mobile electronic business using finger print intelligence terminal and intelligent hand set
CN1835007A (en) Mobile payment method based on mobile communication network
CN101567108A (en) Method and system for payment of NFC mobile phone-POS machine
US20130311313A1 (en) Nfc transaction processing systems and methods
CN102315942A (en) Security terminal with Bluetooth and communication method thereof of security terminal and client end
CN101105776A (en) Standard extension card with embedded CPU IC and method for realizing electronic payment
US20120089507A1 (en) Device, system and transaction method for integrating payment function and receipt function
US20100084465A1 (en) Contactless management between a smart card and mobile terminal
CN101201947A (en) Multifunctional EC card as well as method for machine card separation payment and energy consumption control thereof
CN101771754A (en) Mobile terminal and method for near-field communication thereof
CN202075817U (en) Multifunctional device and POS (point-of-sale) system
CN103164738A (en) Mobile phone user identification card based on mobile payment multichannel digital certificate
CN102932333A (en) Safety equipment with mobile payment function, system and method
CN103368743A (en) Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card
CN101882233A (en) Multifunctional chip card
CN101917216A (en) System and method for realizing safe mobile application by adopting Bluetooth intelligent card
CN101853370A (en) Card container and matched radio-frequency SIM card
CN102184593A (en) One-card system based on mobile communication terminal
CN201732388U (en) Credible intelligent card

Legal Events

Date Code Title Description
C06 Publication
C10 Entry into substantive examination
WD01