CN104915834A - Mobile payment system based on high-capacity USIM card, and implementation method thereof - Google Patents
Mobile payment system based on high-capacity USIM card, and implementation method thereof Download PDFInfo
- Publication number
- CN104915834A CN104915834A CN201410083462.4A CN201410083462A CN104915834A CN 104915834 A CN104915834 A CN 104915834A CN 201410083462 A CN201410083462 A CN 201410083462A CN 104915834 A CN104915834 A CN 104915834A
- Authority
- CN
- China
- Prior art keywords
- large copacity
- mobile terminal
- card
- payment
- usim
- Prior art date
- Legal status (The legal status 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 status listed.)
- Pending
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to a mobile payment system based on a high-capacity USIM card and an implementation method of the mobile payment system, which relate to the technical field of mobile payment. The mobile payment system comprises a mobile terminal and a high-capacity USIM card attached to the mobile terminal, wherein a near field communication RF head and a payment application program are arranged inside the mobile terminal, the mobile terminal is connected with the high-capacity USIM card through an IC-USB interface, and the near field communication RF head performs communication and data interaction with the outside through an RF field. Compared with the prior art, the mobile terminal adopted by the mobile payment system is connected with the high-capacity USIM card through the IC-USB interface for transaction, the transaction process is convenient, and the efficiency of mobile payment can be improved.
Description
Technical field
The present invention relates to mobile payment technical field, particularly based on mobile-payment system and its implementation of Large Copacity usim card.
Background technology
Along with the upgrading of the market demand and reaching its maturity of near field communication technology, mobile payment has obtained applying more and more widely.In existing mobile payment technical manual and scheme, mobile phone and SIM (Subscriber Identify Module, user identification module) between by SWP(Single Wire Protocol, single-wire-protocol) the NFC(Near Field Communication that connects, near-field communication agreement) scheme is comparatively ripe and market share is higher.
Even if but adopt NFC scheme, domestic consumer is still difficult to avoid the trouble of not only changing mobile phone but also changing SIM, because the program needs use to be integrated with CLF(Contactless Front, non-contact front-end) custom-made mobile phone, and require to be equipped with the SIM card supporting SWP interface and related protocol.
In the NFC-SWP scheme of prior art, be sent to SIM process from the trade command of mobile terminal CLF and data by SWP and protocol stack thereof; And in process of exchange, SIM is again as SE(Secure Element, safe unit) be moved the transaction application programs that terminal is run and contact intelligent card interface with the API(Application Programming Interface of protocol specification by ISO/IEC 7816, application programming interface) conduct interviews.In this scenario, SIM must support ISO/IEC 7816, SWP two physical interfaces and solve the problems such as double nip collaborative work; SIM must realize complex protocol stack required by specification to meet transaction-based requirements, and work efficiency is not high.
Summary of the invention
For above-mentioned the deficiencies in the prior art, the object of this invention is to provide a kind of mobile-payment system based on Large Copacity usim card and its implementation.Its adopts mobile terminal to conclude the business with being connected by IC-USB interface between Large Copacity usim card, and transaction flow is convenient, can improve the efficiency of mobile payment.
In order to reach foregoing invention object, technical scheme of the present invention realizes as follows:
Based on a mobile-payment system for Large Copacity usim card, its design feature is, it comprises mobile terminal and Large Copacity usim card interconnective with it.The built-in near-field communication radio-frequency head of described mobile terminal and payment application, be connected by IC-USB interface between mobile terminal with Large Copacity usim card.Near-field communication radio-frequency head is by radio-frequency field and external communication and data interaction.
In the above-mentioned mobile-payment system based on Large Copacity usim card, between described mobile terminal from Large Copacity usim card, the mutual Application Protocol Data Unit APDU of telecommunication service and the Application Protocol Data Unit APDU of payment transaction adopts different CCID draw-in grooves to distinguish.
As mentioned above based on the implementation method of the mobile-payment system of Large Copacity usim card, comprise the steps:
1) the near-field communication radio-frequency head on mobile terminal is opened;
2) payment application is started;
3) mobile terminal is put into outside environment for card use;
4) near-field communication radio-frequency head receives from the trade command of outside environment for card use and data;
5) payment application obtains near-field communication trade command that radio-frequency head receives and data;
6) payment application APDU form that trade command and data prediction are become to be sent by CCID message;
7) trade command of APDU form and data after payment application forwards pre-service by the payment transaction CCID draw-in groove of specifying to Large Copacity usim card;
8) Large Copacity usim card processes trade command and data;
9) result is returned back to payment application by Large Copacity usim card;
10) result is sent to outside environment for card use by near-field communication radio-frequency head by payment application;
11) closing the transaction.
In above-mentioned implementation method, described outside environment for card use refers to contactless smart card reader radio-frequency field.
In above-mentioned implementation method, described result comprises refers to state word and response data.
The present invention is owing to have employed said structure and implementation method, adopt mobile terminal to conclude the business with being connected by IC-USB interface between Large Copacity usim card, Large Copacity usim card loads the USB CCID and USB mass memory unit that become and support many draw-in grooves on mobile terminals.Along with the appearance of Large Copacity usim card, with 12Mbps(MBPS) IC-USB(Inter-Chip Universal Serial Bus, USB (universal serial bus) between sheet) interface replace flank speed be 2Mbps(MBPS) SWP interface technically there is advance.On the other hand, based on the Large Copacity usim card of IC-USB interface, load on mobile terminals and become USB CCID(Integrated Circuit (s) the Card Interface Devices supporting many draw-in grooves, integrated circuit card interfacing equipment) and USB mass memory (USB Mass Storage).Wherein, USB mass memory is used for storage capacity in expansion card, and the storage capacity of USIM is risen to GB (GB) rank from kilobyte (KB) rank.A draw-in groove of CCID completes the telecommunication services such as traditional voice, data for replacing ISO/IEC 7816 interface, and all the other draw-in grooves can realize the expanded function of mobile payment.The present invention can make transaction flow convenient and improve mobile payment efficiency.
Below in conjunction with the drawings and specific embodiments, the invention will be further described.
Accompanying drawing explanation
Fig. 1 is present system structural representation;
Fig. 2 is the pin schematic diagram of Large Copacity usim card card in the embodiment of the present invention;
Fig. 3 is implementation method process flow diagram of the present invention.
Embodiment
Referring to Fig. 1, mobile-payment system of the present invention comprise mobile terminal 1 and with it by the interconnective Large Copacity usim card 2 of IC-USB interface 4.The built-in near-field communication radio-frequency head 3 of mobile terminal 1 and payment application 5.Near-field communication radio-frequency head 3, by radio-frequency field and external communication and data interaction, is connected by IC-USB interface 4 between mobile terminal 1 with Large Copacity USIM card 2.Between mobile terminal 1 from Large Copacity usim card 2, the mutual Application Protocol Data Unit APDU of telecommunication service and the Application Protocol Data Unit APDU of payment transaction adopts different CCID draw-in grooves to distinguish.
Referring to Fig. 2, each pin function of Large Copacity usim card 2 in the present invention is defined as:
C1: power supply;
C2: reset;
C3: clock;
C4:USB D+ (data just);
C5: ground;
C6: retain and use;
C7: serial i O (Input Output, defeated people exports);
C8:USB D-(data minus).
Large Copacity usim card 2 in present system obtains power supply by pin C1, carries out communication by pin C5 ground connection by pin C4 and pin C8 and mobile terminal.In the present invention, Large Copacity usim card 2 blocks with CCID form and mobile terminal 1 communication.
In mobile-payment system of the present invention, the annexation of each several part is as follows:
1) near-field communication radio-frequency head 3 is as one of the peripheral hardware of mobile terminal 1, externally connects outside environment for card use (as contactless smart card reader);
2) payment application 5 is as the specific program operated in mobile terminal 1 operating system, and described specific program is used for:
1) receive the trade command from near-field communication radio-frequency head 3 and data, carry out data prediction;
2) by the special draw-in groove of payment that CCID specifies, (pretreated) trade command and data are forwarded with APDU form to Large Copacity usim card 2;
3) the APDU result (status word and response data) from Large Copacity usim card 2 is received;
4) APDU result is sent to outside environment for card use by near-field communication radio-frequency head 3.
Present system, in concrete enforcement, need use the mobile terminal 1 and Large Copacity usim card 2 of supporting IC-USB and near-field communication simultaneously, and with the POS(Point of Sale supporting contactless smart card to conclude the business, point of sale) as outside environment for card use.Be used for telecommunication service with the 0# draw-in groove of CCID in Large Copacity usim card 2, it is example that 1# draw-in groove is used for payment transaction.Develop the payment application 5 run in mobile terminal 1 system; This application call near-field communication and USB CCID standard A PI realize the function that the present invention introduces;
Referring to Fig. 3, mobile payment transaction of the present invention is completed by following steps:
1) the near-field communication radio-frequency head 3 on mobile terminal 1 is opened;
2) payment application 5 is started;
3) mobile terminal 1 is put into outside environment for card use POS field frequently, set up contactless smart card communication;
4) near-field communication radio-frequency head 3 receives trade command from POS and data;
5) payment application 5 obtain near-field communication radio-frequency head 3 receive trade command and data;
6) payment application 5 APDU form that trade command and data prediction are become to be sent by CCID message;
7) trade command of APDU form and data after payment application 5 forwards pre-service by CCID 1# draw-in groove to Large Copacity usim card 2;
8) Large Copacity usim card 2 processes transaction;
9) result (status word and response data) is returned back to payment application 5 by Large Copacity usim card 2;
10) result is sent to POS by near-field communication radio-frequency head 3 by payment application 5;
11) closing the transaction.
Claims (5)
1. the mobile-payment system based on Large Copacity USIM, it is characterized in that, it comprises mobile terminal (1) and Large Copacity USIM card (2) interconnective with it, the built-in near-field communication radio-frequency head (3) of described mobile terminal (1) and payment application (5), be connected by IC-USB interface (4) between described mobile terminal (1) with Large Copacity USIM card (2), near-field communication radio-frequency head (3) is by radio-frequency field and external communication and data interaction.
2. the mobile-payment system based on Large Copacity USIM according to claim 1, it is characterized in that, between described mobile terminal (1) from Large Copacity USIM card (2), the mutual Application Protocol Data Unit APDU of telecommunication service and the Application Protocol Data Unit APDU of payment transaction adopts different CCID draw-in grooves to distinguish.
3., as claimed in claim 1 based on the implementation method of the mobile-payment system of Large Copacity USIM, comprise the steps:
1) the near-field communication radio-frequency head (3) on mobile terminal (1) is opened;
2) payment application (5) is started;
3) mobile terminal (1) is put into outside environment for card use;
4) near-field communication radio-frequency head (3) receives from the trade command of outside environment for card use and data;
5) payment application (5) obtain near-field communication radio-frequency head (3) receive trade command and data;
6) payment application (5) APDU form that trade command and data prediction are become to be sent by CCID message;
7) payment application (5) by the payment transaction CCID draw-in groove of specifying to Large Copacity USIM(2) forward trade command and the data of APDU form after pre-service;
8) Large Copacity usim card (2) processes trade command and data;
9) result is returned back to payment application (5) by Large Copacity usim card (2);
10) result is sent to outside environment for card use by near-field communication radio-frequency head (3) by payment application (5);
11) closing the transaction.
4. implementation method according to claim 3, is characterized in that, described outside environment for card use refers to contactless smart card reader radio-frequency field.
5. the implementation method according to claim 3 or 4, is characterized in that, described result comprises refers to state word and response data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410083462.4A CN104915834A (en) | 2014-03-10 | 2014-03-10 | Mobile payment system based on high-capacity USIM card, and implementation method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410083462.4A CN104915834A (en) | 2014-03-10 | 2014-03-10 | Mobile payment system based on high-capacity USIM card, and implementation method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104915834A true CN104915834A (en) | 2015-09-16 |
Family
ID=54084881
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410083462.4A Pending CN104915834A (en) | 2014-03-10 | 2014-03-10 | Mobile payment system based on high-capacity USIM card, and implementation method thereof |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104915834A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107977564A (en) * | 2016-10-21 | 2018-05-01 | 中国移动通信有限公司研究院 | A kind of transaction authentication processing method, certificate server, terminal and traction equipment |
| CN111371836A (en) * | 2016-09-20 | 2020-07-03 | 徐蔚 | Verification method and device for secure payment of digital currency and mobile terminal |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN201229582Y (en) * | 2008-04-21 | 2009-04-29 | 北京同方微电子有限公司 | System for publishing smart card with USB interface |
| CN101567052A (en) * | 2008-04-21 | 2009-10-28 | 北京同方微电子有限公司 | System and method for issuing intelligent card with USB interface |
| CN102393938A (en) * | 2011-10-24 | 2012-03-28 | 中国联合网络通信集团有限公司 | On-site payment business processing method and smart card |
| US20120231844A1 (en) * | 2011-03-11 | 2012-09-13 | Apriva, Llc | System and device for facilitating a transaction by consolidating sim, personal token, and associated applications for electronic wallet transactions |
| CN103164794A (en) * | 2011-12-16 | 2013-06-19 | 中国电信股份有限公司 | Transaction processing chip card, movable terminals and payment method |
| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全系统有限公司 | Mobile payment system and mobile payment implementation method |
-
2014
- 2014-03-10 CN CN201410083462.4A patent/CN104915834A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN201229582Y (en) * | 2008-04-21 | 2009-04-29 | 北京同方微电子有限公司 | System for publishing smart card with USB interface |
| CN101567052A (en) * | 2008-04-21 | 2009-10-28 | 北京同方微电子有限公司 | System and method for issuing intelligent card with USB interface |
| US20120231844A1 (en) * | 2011-03-11 | 2012-09-13 | Apriva, Llc | System and device for facilitating a transaction by consolidating sim, personal token, and associated applications for electronic wallet transactions |
| CN102393938A (en) * | 2011-10-24 | 2012-03-28 | 中国联合网络通信集团有限公司 | On-site payment business processing method and smart card |
| CN103164794A (en) * | 2011-12-16 | 2013-06-19 | 中国电信股份有限公司 | Transaction processing chip card, movable terminals and payment method |
| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全系统有限公司 | Mobile payment system and mobile payment implementation method |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111371836A (en) * | 2016-09-20 | 2020-07-03 | 徐蔚 | Verification method and device for secure payment of digital currency and mobile terminal |
| CN111371836B (en) * | 2016-09-20 | 2023-10-24 | 徐蔚 | Verification method and device for secure payment and mobile terminal |
| CN107977564A (en) * | 2016-10-21 | 2018-05-01 | 中国移动通信有限公司研究院 | A kind of transaction authentication processing method, certificate server, terminal and traction equipment |
| CN107977564B (en) * | 2016-10-21 | 2020-07-10 | 中国移动通信有限公司研究院 | Transaction authentication processing method, authentication server, terminal and transaction equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US9420409B2 (en) | Near field communication device | |
| CN103347105B (en) | Mobile phone radio-frequency SIM card with SWP function in compatible mode | |
| CN101009898A (en) | The handset supporting the novel smart card | |
| CN203287939U (en) | Mobile payment full-card supporting single-wire transport protocol | |
| CN202841180U (en) | Data exchange storage device based on WiFi and NFC technology | |
| CN202058194U (en) | Mobile terminal subscriber identify module (SIM) card packaging structure thereof | |
| CN104361382A (en) | Bluetooth based smart card chip operation circuit, Bluetooth based smart card chip operation method and smart card | |
| CN104915834A (en) | Mobile payment system based on high-capacity USIM card, and implementation method thereof | |
| CN202351915U (en) | Mobile payment SD (Secure Digital) card based on SWP (Single Wire Protocol) | |
| CN102279940A (en) | SD card for mobile payment on the basis of SWP protocol | |
| CN203327246U (en) | 4G portable wireless network sharing device | |
| CN103049784B (en) | A kind of radio-frequency SIM card and STK menu setecting thereof and application process | |
| CN201845341U (en) | General card reader | |
| Dai et al. | Analyze on mobile payment based on RFID | |
| CN203179075U (en) | Pasting film card for mobile payment of mobile phone with RF-SIM card and RF storage card | |
| CN101894082A (en) | Storage device and smartphone system | |
| CN203179061U (en) | Pasting film card for mobile payment of mobile phone with RF storage card | |
| CN203224895U (en) | Mobile phone film card used for mobile payment of RF-storage card and RF-USB interface card | |
| CN204288262U (en) | Based on intelligent card chip function circuit and the smart card of bluetooth | |
| CN203492023U (en) | Mobile terminal having contact card reader | |
| CN103258176B (en) | A kind of mancarried device | |
| CN203179070U (en) | Mobile phone pasting film card for mobile payment of mobile phone with RF storage card and RF-SD card | |
| CN203179077U (en) | Pasting film card for mobile payment of mobile phone with RF-SD card, RF-USB card and RF storage card | |
| CN203179072U (en) | Pasting film card for mobile payment of mobile phone with RF-SIM card, RF-USB interface card and RF storage card | |
| CN203287928U (en) | Mobile phone film card applicable to multi-card payment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information |
Address after: 100083 18 floor, West Tower, block D, Tongfang science and Technology Plaza, 1 Wang Zhuang Road, Wudaokou, Haidian District, Beijing. Applicant after: ZIGUANG TONGXIN MICROELECTRONICS Co.,Ltd. Address before: 100083 18 floor, West Tower, block D, Tongfang science and Technology Plaza, 1 Wang Zhuang Road, Wudaokou, Haidian District, Beijing. Applicant before: BEIJING TONGFANG MICROELECTRONICS Co.,Ltd. |
|
| CB02 | Change of applicant information | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20150916 |
|
| WD01 | Invention patent application deemed withdrawn after publication |