CN105225106A - Electronic transaction payment system and induction payment mechanism, networking transaction system - Google Patents

Electronic transaction payment system and induction payment mechanism, networking transaction system Download PDF

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Publication number
CN105225106A
CN105225106A CN201510600322.4A CN201510600322A CN105225106A CN 105225106 A CN105225106 A CN 105225106A CN 201510600322 A CN201510600322 A CN 201510600322A CN 105225106 A CN105225106 A CN 105225106A
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CN
China
Prior art keywords
induction
networking
terminal
payment
chip
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Pending
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CN201510600322.4A
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Chinese (zh)
Inventor
赵慧
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SAMOA FANXING TECHNOLOGY Co Ltd
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SAMOA FANXING TECHNOLOGY Co Ltd
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Application filed by SAMOA FANXING TECHNOLOGY Co Ltd filed Critical SAMOA FANXING TECHNOLOGY Co Ltd
Priority to CN201510600322.4A priority Critical patent/CN105225106A/en
Publication of CN105225106A publication Critical patent/CN105225106A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352Contactless payments by cards

Abstract

The invention provides a kind of electronic trading system, include an induction payment mechanism and a networking transaction system, networking transaction system can connect or be placed on induction payment mechanism, the label chip of induction payment mechanism will be located in networking transaction system, when the transaction system that networks is placed in induction payment mechanism, networking transaction system will be electrically connected with induction payment mechanism, therefore the contactless induction modes of payments can be supported, networking transaction system also can connect an external electronic and/or with a network platform line, when not needing contactless rf readers, stored value card in label chip can the required expense of online payment network platform, also can proceed to carry out value added action from the network platform, by this to improve shopping convenience person.

Description

Electronic transaction payment system and induction payment mechanism, networking transaction system
[technical field]
Present invention is directed to a kind of electronic transaction payment system, be applicable to a contactless induction modes of payments, also can in the situation not needing wireless radio frequency reader, by direct for the stored value card Stored Value amount of money in label chip online upper payment, value added or account transfer person.
[background technology]
The inductive intelligent card 10 commonly used, as shown in Figure 1, intelligent card chip 11 (including card chip and contact interface) and a credit card number 13 that one meets international standard ISO7816 specification is provided with in card front, the magnetic stripe 15 that one meets international standard ISO7811 specification is then pasted with in the card back side, and in card, be provided with an electronic tag 19, such as meet the RFID (RadioFrequencyIdentification of international standard ISO14443 specification; Radio frequency identification system) electronic tag.Electronic tag 19 is include a label chip 191 and label antenna 195, label chip 191 can be electrically connected label antenna 195, and can store in label chip 191 and have a RFID data (or claiming an induction storage data) 193, a mechanical code (MachineCode) can be comprised, an ISN (or claiming stored value card) and/or can be stored in electronics Stored Value ticket data (or claiming Stored Value amount of money) in ISN.
A card operating system (CardOperatingSystem is provided with in intelligent card chip 11; And/or a safe control (SecureFlement COS); SE), with the value added of security management and control intelligent card chip 11 and RFID data 193 or the behavior of payment.
Commonly use inductive intelligent card 10 and can be used in the function of swiping card of general credit card, the drawing function of financial cash machine and/or RFID induction type payment or value added, although significantly improve user at shopping, payment or the To Facility Consumption of account transfer.But, electronic tag 19 non-contact reader (contactlessreader) of must arranging in pairs or groups can be used, to ensure the cryptographic security of instant offline transaction and the clearance mode clearing transactions amount of money by closure, therefore not only cannot by the RFID data 193 in label chip 191 to pay electronic transaction or the behavior of payment of online (on the net), and also or cannot count the amount of money in a network platform and directly proceed in electronic tag 19 in online, so still inconvenient in real consumption behavior, there is the space of its improvement.
[summary of the invention]
The fundamental purpose of the present invention, be to provide a kind of electronic transaction payment system, a networking transaction system can be electrically connected by an induction payment mechanism, not only be applicable to the contactless induction modes of payments, also can when not needing contactless rf readers, reach induction storage data in induction type label chip by online use, change, payment, value added, value of money conversion and/or effect person of the account transfer on the net.
The secondary objective of the present invention, is to provide a kind of electronic transaction payment system, and networking transaction system can be placed in induction payment mechanism, easily carries by this, and can provide safeguard protection person to reach networking transaction system.
The another object of the present invention, is to provide a kind of networking transaction system, can be connected with multiple multi-form induction payment mechanism, by this to reach the profile of the payment mechanism of change induction at any time, and improve product utilization rate person.
The another object of the present invention, be to provide a kind of electronic transaction payment system, when with network connectivity, the Stored Value amount of money in stored value card can be paid the defrayment required for a network platform, and do not need to carry out online behavior of swiping the card, therefore can reduce the risk that the stolen brush of credit card or personal information leak.
The another object of the present invention, be to provide a kind of induction payment mechanism, inside be provided with a plurality of label chip, institute of the liquidation center certification that each label chip has it corresponding is counted or the different currency amount of money, and mutually can change Stored Value and count or the different currency amount of money, be not therefore easy to use person and be used in different liquidation center or country variant user.
For reaching above-mentioned purpose, the invention provides a kind of electronic transaction payment system, it is characterized in that, include: an induction payment mechanism, be provided with a putting groove and a label antenna, be provided with an induction pieces the first terminal in putting groove, and induction pieces the first terminal be by this label antenna of electric connection; One networking transaction system, the putting groove of this induction payment mechanism can be passed in and out, be provided with a plurality of networking terminal, induction pieces second terminal, networking chip and a memory cell, this induction pieces second terminal can when the transaction system that networks is placed in putting groove, be electrically connected with this induction pieces the first terminal, to cause this networking transaction system and this induction payment mechanism to be electrically connected, this networking chip is then electrically connected with this networking terminal, induction pieces second terminal and memory cell respectively; And one or more label chip, be located at this induction payment mechanism maybe this networking transaction system, those label chip internal memories are placed with an induction storage data, as label chip is located in this induction payment mechanism, label chip will be electrically connected this label antenna and this induction pieces the first terminal respectively, as label chip is located in this networking transaction system, label chip is then electrically connected this networking chip and this induction pieces second terminal respectively.
Again, for reaching above-mentioned purpose, the invention provides a kind of induction payment mechanism, it is characterized in that, be provided with induction pieces networking terminal and an one or more electronic tag, electronic tag has a label antenna and a label chip, and label chip is electrically connected label antenna and induction pieces networking terminal, and label chip internal memory is placed with an induction storage data.
Again, for reaching above-mentioned purpose, the invention provides a kind of induction payment mechanism, it is characterized in that, be provided with one or more electronic tag, electronic tag has a label antenna and a label chip, label chip is electrically connected label antenna and induction pieces networking terminal, be provided with an induction storage data in label chip, and this induction storage data is provided with multiple Stored Value amount of money storage area, each Stored Value amount of money storage area can deposit the corresponding currency amount of money or liquidation center.
Again, for reaching above-mentioned purpose, the invention provides a kind of networking transaction system, it is characterized in that, be provided with a plurality of networking terminal, at least one induction pieces second terminal, networking chip, a memory cell and a label chip, networking chip is electrically connected this networking terminal, induction pieces second terminal, memory cell and label chip respectively, and label chip is electrically connected this induction pieces second terminal, and label chip internal memory is placed with an induction storage data.
Again, for reaching above-mentioned purpose, the invention provides a kind of electronic transaction payment system, it is characterized in that, include: an induction payment mechanism, be provided with one or more electronic tag, this electronic tag is provided with a label chip and a label antenna, label chip is electrically connected label antenna, and label chip internal memory is placed with an induction storage data; One networking transaction system, is connected with this induction payment mechanism, and be provided with a plurality of networking terminal, networking chip and a memory cell, networking chip is electrically connected with this networking terminal and memory cell respectively.
[accompanying drawing explanation]
Fig. 1: the organigram commonly using inductive intelligent card.
Fig. 2: the organigram of electronic transaction payment system one of the present invention preferred embodiment.
Fig. 3: the partial circuit schematic diagram of the present invention's embodiment as shown in Figure 2.
Fig. 4: the partial circuit schematic diagram of electronic transaction payment system one embodiment of the present invention.
Fig. 5: the organigram of the present invention's embodiment as shown in Figure 4.
Fig. 6: the use schematic diagram of the present invention's embodiment as shown in Figure 5.
Fig. 7: the organigram of electronic transaction payment system one embodiment of the present invention.
Fig. 8: the organigram of electronic transaction payment system one embodiment of the present invention.
Fig. 9: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 10: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 11: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 12: the use schematic diagram of the present invention's embodiment as shown in Figure 11.
Figure 13: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 14: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 15: the present invention responds to the organigram of payment mechanism one embodiment.
Figure 16: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 17: the organigram of electronic transaction payment system one embodiment of the present invention.
Figure 18: the present invention responds to the organigram of payment mechanism one embodiment.
Figure 19: the organigram of electronic transaction payment mechanism one embodiment of the present invention.
Figure 20: the present invention responds to the organigram of payment mechanism one embodiment.
Primary clustering symbol description:
10 inductive intelligent card 11 intelligent card chips
115 chip microprocessor 13 card numbers
15 magnetic stripe 19 electronic tags
191 label chip 193RFID data
195 label antenna 200 electronic transaction payment systems
20 induction payment mechanism 21 credit card chips
215 chip microprocessor 23 card numbers
25 magnetic stripe 27 putting grooves
271 connect guiding, cause part
275 induction pieces the first terminals 278 fix revolving part
279 are fixed part 295 label antenna
300 electronic transaction payment systems 30 network transaction system
31 networking terminals
311,312,317,318 data terminals
33 induction pieces second terminals 35 network chip
355 card operating system 357 safe control
37 memory cell 371 data hidden areas
373 data fixed area 375 data access districts
377 Stored Value amount of money storage area 39 electronic tags
391 label chips 393 respond to storage data
400 electronic transaction payment systems 40 network transaction system
41 networking terminals 45 respond to payment mechanism
48 external electronic 49 network platforms
50 induction payment mechanism 51 induction pieces networking terminals
555 card operating system 557 safe control
57 putting groove 575 induction pieces the first terminals
60 induction payment mechanism 63 induction pieces networking terminals
637 connector impellers imported and exported by 635 connectors
65 fastening connector 67 putting grooves
675 induction pieces the first terminal 700 electronic transaction payment systems
71 induction payment mechanisms 75 network transaction system
79 connection line 800 electronic transaction payment systems
81 induction payment mechanisms 85 network transaction system
Payment mechanism responded to by 87 memory cells 89
900 electronic transaction payment systems 90 respond to payment mechanism
The wireless networking antenna of 93 wireless networking chip 95
97 power supply unit 99 electronic tags
991 second label chips 993 respond to storage data
995 second label antenna 997 connection lines
[embodiment]
First, refer to Fig. 2 and Fig. 3, system is respectively organigram and the circuit diagram of electronic transaction payment system one of the present invention preferred embodiment, and electronic transaction payment system 200 of the present invention mainly system includes induction payment mechanism 20 and a networking transaction system 30.
Wherein, induction payment mechanism 20, such as but not limit be an inductive intelligent card, the card of itself and general standard credit card, fiscard or smart card is measure-alike or approximate, and be provided with an intelligent card chip 21 (including a card chip and a contact interface) meeting international standard ISO7816 specification in its card front or the back side, magnetic stripe 25 that a card number 23 and/or meets international standard ISO7811 specification, and in card, be provided with a label antenna 295.In the appropriate location of induction payment mechanism 20, the position, lower right side of such as card, can be provided with a putting groove 27, is provided with an induction pieces the first terminal 275 in putting groove 27, and induction pieces the first terminal 275 is by this label antenna 295 of electric connection.
Networking transaction system 30, such as but not limit be a microSD card, a miniSD card or a SD card, there is a SD transmission interface, the surface of networking transaction system 30 is provided with a plurality of networking terminal 31 and at least one induction pieces second terminal 33, is then provided with networking chip 35, memory cell 37 and a label chip 391 in device.Networking chip 35 is by electric connection networking terminal 31, memory cell 37 and label chip 391, label chip 391 is then electrically connected networking chip 35 and induction pieces second terminal 33, can store in label chip 391 and have an induction storage data 393 (or claiming RFID data), a mechanical code (MachineCode) can be comprised, an ISN (or claiming stored value card) and/or can be stored in an electronics Stored Value ticket data (or claiming Stored Value amount of money) in ISN, a personal information, a kinds of goods data or a Stored Value are counted.
Networking terminal 31, network chip 35 and the memory cell 37 of networking transaction system 30 can form a microSD card, a miniSD card or a SD card.Networking transaction system 30 directly or indirectly (such as by a SD card adapter) can be plugged in external electronic 48 such as computer, lithographic plate computer, mobile phone, Smartphone, Wearable device (wearabledevices), TV or shop ticket sale system (as ibon ticket sale system), via networking terminal 31 be electrically connected external electronic 48, then by external electronic 48 line one network platform 49.The network platform 49 is can be a digital content supplier (ContentProvider; CP), an ASP (ServiceProvider; SP), an ecommerce business (FlectronicCommerce; EC) a, liquidation center (ClearingHouse) and/or a third party transaction platform (PaymentServiceProvider; PSP).
When the transaction system 30 that networks inserts and is placed in article putting groove 27, induction pieces second terminal 33 of networking transaction system 30 can be contacted with the induction pieces the first terminal 275 of induction payment mechanism 20, with the electronic tag causing label chip 391, induction pieces second terminal 33, induction pieces the first terminal 275 and label antenna 295 jointly to be formed an induction type (contactless), such as but not limit be a RFID (RadioFrequencyIdentification meeting international standard ISO14443 specification; Radio frequency identification system) electronic tag, as less radio-frequency contactless card.Electronic transaction payment system 200 can read by the non-contact reader (contactlessreader) and use, by this to perform contactless RFID transaction payment function, the cryptographic security of instant offline transaction can be ensured equally, and carry out the clearing transactions amount of money by the clearance mode of closure or Stored Value is counted.
Otherwise, after networking transaction system 30 is moved out of article putting groove 27, the transaction system 30 that networks can be restored to the microSD card of generally tradition, a miniSD card or a SD card, but has a label chip 391 in card and be present in the induction storage data 393 in label chip 391.When direct or indirect line one network platform 49 of the transaction system 30 that networks, can according to being located at the network platform 49, networking one of chip 35 and/or label chip 391 card operating system (CardOperatingSystem; And/or a safe control (SecureFlement COS); SE) setting and security management and control is carried out to networking chip 35 and label chip 391, and also the induction storage data 393 in label chip 391 can be used, pay, value added, revise and/or the function such as account transfer.
Such as, use in embodiment in the present invention one, the card operating system (COS) 355 about this electronic transaction payment system 200 and/or a safe control (SE) 357 is provided with in networking chip 35, therefore, the chip 35 that networks gets final product data turnover or the change of the induction storage data 393 of security management and control label chip 391.Networking transaction system 30 via external electronic 48 with the network platform 49 line time, if user has needs, can by the management and control of the card operating system 355 in networking chip 35 and safe control 357, with allow be present in label chip 391 stored value card 393 in the Stored Value amount of money or Stored Value count and to transfer accounts under a legal norm to the representative digital content supplier (CP) of this network platform 49, ASP (SP), ecommerce business (EC), liquidation center and/or a third party transaction platform.The induction storage data 393 that so can complete in label chip 391 is transferred into online use, payment, value of money are changed and/or effect of online account transfer.
Certainly, under connection state, the data of the representative digital content supplier (CP) of the network platform 49, ASP (SP), ecommerce business (EC), liquidation center and/or third party transaction platform or Stored Value are counted also can be transferred into label chip 391 under the management and control of card operating system 355 in networking chip 35 and safe control 357, and to modify to stored value card (induction storage data) 393, value added, value of money changes and/or effect of online account transfer.
In the another use embodiment of the present invention, user is when carrying out game on-line by the external electronic such as computer or Smartphone 48, if find that GAMEPOINT is inadequate, and when needing to buy GAMEPOINT input again, the electronic transaction payment system 200 of the present invention can be used, networking transaction system 30 with inserts connect or radio connection be connected with external electronic 48, again by computer or Smartphone 48 and the network platform 49 network connectivity, and the network platform 49 is a digital content supplier (CP) and a third party transaction platform (PSP).Via the management and control of the card operating system 355 in the payment mechanism of the network platform 49, networking chip 35 and safe control 357, the Stored Value amount of money in the stored value card 393 of label chip 391 or Stored Value can be counted and proceed to the network platform 49, to complete the object immediately buying GAMEPOINT.User like this can not need must buy GAMEPOINT card to convenience store as existing way, then the code of GAMEPOINT card input digital content supplier (CP) 49 is continued to play game on-line after obtaining GAMEPOINT again.Certainly, user does not need to swipe the card by credit card online to buy game card and count yet again, and therefore can reduce the risk of the stolen brush of credit card.Aforementioned network platform 49, networking chip 35 and/or the card operating system 355 of label chip 391 and safe control 357 set system and have the knack of the security management and control mode that this operator has the knack of; such as each Internet bank, each smart card or as the card operating system of the label chip manufacturers such as Gemalto (company), G & D (company), NXP (company), Shanghai Huahong (company) etc. and/or safe control, do not repeat them here.Again, aforementioned legal norm means that decree uses restriction to the account transfer of rfid card sheet, and such as once account transfer may not exceed amount of money A, and the sum total of account transfer in a day may not exceed amount of money B.
Use in embodiment in the present invention one, the network platform 49 is centered by third party transaction platform (PSP) mainly, and line has a liquidation center, and line has at least one digital content supplier (CP), ASP (SP) or ecommerce business (EC), when an electronic transaction payment system 200 wire net platform 49, third party transaction platform can dominate carrying out of whole trading activity, such as, game card required for buying by the Stored Value amount of money of label chip 391 internal induction storage data 393 or Stored Value point number conversion and to digital content supplier (CP) is counted, again game card is counted and proceed to user account.And the Stored Value amount of money remaining after purchase points or Stored Value are counted in input label chip 391 again, to change its induction storage data 393.The amount of money that digital content supplier (CP) game card of peddling is counted then is settled accounts to liquidation center by the 3rd transaction platform.
Networking transaction system 30 due to the present invention is pluggable in the article putting groove 27 of induction payment mechanism 20; not only can perform the behavior of contactless electronic transaction payment by this; conveniently can be networked again the carrying of transaction system 30 (such as microSD card, miniSD card or SD card), and protection networking transaction system 30 is not collided by foreign object or allow networking terminal 31 be exposed to outer and to damage.
In further embodiment of this invention, the transaction system 30 that conveniently networks can pass in and out induction payment mechanism 20 smoothly, and therefore, the periphery in article putting groove 27 can be provided with a connection guiding, causes part 271.
Moreover referring to Fig. 4 and Fig. 5, is the circuit diagram and the organigram that are respectively the another embodiment of electronic transaction payment system of the present invention.The networking transaction system 40 of the present invention also can be one and has the USB Portable disk of USB transmission interface or the computer peripheral element of other transmission interfaces, such as but not limit be a USBCOB (chiponboard) Portable disk, microSD card, TypeCUSB device or there is IEEE1394, SSD, SD, PS/2, IDE, SATA, SCSI, HDMI, AV, the various transmission interface such as TF or MMC, networking transaction system 40 is provided with at least one networking terminal 41 and induction pieces second terminal 33, networking chip 35 and a memory cell 37, networking chip 35 can be electrically connected memory cell 37, networking terminal 41 and induction pieces second terminal 33.
Be not arranged in networking transaction system 40 unlike, label chip 391 with previous embodiment, and be arranged at induction payment mechanism 45.Label chip 391 can be electrically connected label antenna 295 and induction pieces the first terminal 275, can be provided with an induction storage data 393 in label chip 391 equally.
In order to safety puts networking transaction system 40, in this embodiment, putting groove 27 is provided with one and is fixed part 279, when network transaction system 40 outward (as graphic to the right) release one section of pluggable operating distance in external electronic 49 time, the part 279 that is fixed can network transaction system 40 be fastened on induction payment mechanism 45 ad-hoc location, do not allow networking transaction system 40 depart from induction payment mechanism 45 toward extrapolation again, can guarantee that networking transaction system 40 can not leave behind by this.
When the whole insertion article putting groove 27 of the transaction system 40 that networks, induction pieces second terminal 33 of networking transaction system 40 can't the induction pieces the first terminal 275 of contact induction payment mechanism 45, therefore, induction payment mechanism 45 can perform the behavior of induction type electronic transaction payment, as shown in Figure 6.
Otherwise, when the transaction system 40 that networks has part dish body to be moved apart article putting groove 27, fixture 279 can be engaged be fixed, induction pieces second terminal 33 of networking transaction system 40 will touch the induction pieces the first terminal 275 of induction payment mechanism 45, as shown in Figure 5, so to cause networking transaction system 40 can be electrically connected induction payment mechanism 45.
In further embodiment of this invention, the card operating system (COS of electronic transaction payment system 200; As Fig. 3 355) and/or a safe control (SE; As Fig. 3 357) be located in networking chip 35.Therefore, when electronic transaction payment system 200 and the network platform 49 line, be namely subject to the security management and control of networking chip 35 about behaviors such as the payment of the induction storage data 393 of label chip 391, account transfer, value added or data readings.
In further embodiment of this invention, the card operating system (COS of electronic transaction payment system 200; As Fig. 3 355) and/or a safe control (SE; As Fig. 3 357) be located in label chip 391.Therefore, when electronic transaction payment system 200 and the network platform 49 line, be namely subject to the security management and control of label chip 391 about behaviors such as the payment of the induction storage data 393 of label chip 391, account transfer, value added or data readings.
Again, in further embodiment of this invention, memory cell 37 can be divided into three blocks: data hidden area 371, data fixed area 373 and data access district 375.Data hidden area 371 is that storage has and can not change, and does not also allow user is appreciable stores data, such as, in network chip 35 or label chip 391 data such as regarding safety control (SE) or liquidation center's setting.Data fixed area 373 internal memory contain one can be inspected by user, but the data content that can not change or delete, such as the networking data of digital content supplier (CP), ASP (SP), ecommerce business (EC) or third party transaction platform (PSP).Data access district 375 is the region that user can access data, is and generally stores memory.
In addition, the network platform 49 dealers such as digital content supplier (CP), ASP (SP), ecommerce business (EC) or third party transaction platform (PSP) also can utilize the present invention to go to collect networking data or the payment data of label chip 391 and/or networking chip 35, show which digital content supplier (CP), ASP (SP) or ecommerce business (EC) are more welcome to add up and to analyze by this? does is it maximum that single offer the amount of money? or maximum at which period wire net platform? etc. useful data
Again, refer to Fig. 7, it is the organigram of further embodiment of this invention, be by fixing revolving part 278 one of in putting groove 27 with the previous embodiment difference transaction system 40 that is namely to network, be accommodated in putting groove 27 to cause networking transaction system 40 rotatable, or rotate and leave putting groove 27.When networking transaction system 40 leaves putting groove 27, the function of networking and/or account transfer can be performed, otherwise, when being accommodated in putting groove 27, then can perform the action of induction type transaction payment.
In addition, referring to Fig. 8, is the organigram of further embodiment of this invention.Namely be that networking transaction system 30 is not provided with induction pieces second terminal (33) in addition in previous embodiment difference, but induction pieces second terminal can be used as by peculation by finding out one group in a plurality of transfer protocol pins of networking transaction system 30.Such as, if when networking transaction system 30 is a SD card, wherein 2 branch connecting pins of the 1st leg (DAT3), the 7th leg (DATO), the 8th leg (DAT1) and the 9th leg (DAT2) then can be selected to be used as induction pieces second terminal, such as graphic element number 311,312,317 or 318 shownschematically data terminal.If networking transaction system 30 be a microSD card or a miniSD card time, then wherein 2 branch connecting pins of the 1st leg (DAT2), the 2nd leg (DAT3), the 7th leg (DAT0) and the 8th leg (DAT1) can be selected to be used as induction pieces second terminal.
Referring to Fig. 9, is the organigram of further embodiment of this invention, and in this embodiment, networking transaction system 40 is a microSD card or a miniSD card, and responding to payment mechanism 50 is then a SD card adapter.In SD card adapter 50, be provided with label antenna 295, putting groove 57, induction pieces the first terminal 575 and induction pieces networking terminal 51, label antenna 295 is electrically connected induction pieces the first terminal 575.Then be provided with networking chip 35 in microSD card 40, networking chip 35 will be electrically connected memory cell 37, label chip 391, networking terminal 31 and induction pieces second terminal 33.
When the transaction system 40 that networks is placed in the putting groove 57 of induction payment mechanism 50, pluggable in computer system, induction pieces second terminal 33 is by contact induction part the first terminal 575, to cause label chip 391 to be controlled by networking chip 35 and be electrically connected label antenna 295, and the data that induction storage data 393 undertaken by non-contact inductive mode can be performed take, pay and/or transfer accounts.
Meanwhile, the networking terminal 31 of networking transaction system 40 is electrically connected the induction pieces networking terminal 51 of induction payment mechanism 50, so can by respond to payment mechanism 50 and grafting or wireless connections in an external electronic 48 and/or with the network platform 49 line.Be controlled by networking chip 35, the induction storage data 393 in label chip 391 can be checked on time and the network platform 49 carries out the reading of data, change and/or account transfer in the security mechanism of card operating system (COS) and/or a safe control (SE).
In further embodiment of this invention, induction payment mechanism 50 is a portable electronic devices, such as but not limit be a Smartphone or a panel computer, networking transaction system 40 can directly be plugged in a portable electronic devices, the networking terminal 31 of networking transaction system 40 can be electrically connected portable electronic devices, and the transmit antenna that can directly use portable electronic devices interior is used as label antenna, the induction type modes of payments and online or line mode of doing business can be reached equally.
Continuing, refer to Figure 10, is the organigram of further embodiment of this invention.The label chip 391 of electronic transaction payment system 300 and induction storage data 393 also can be directly located in induction payment mechanism 50, and are electrically connected with label antenna 295 and the induction pieces terminal 51 that networks.A card operating system (COS) 555 and/or a safe control (SE) 557 is provided with in label chip 391.So, respond to the label chip 391 of payment mechanism 50, label antenna 295 and induction storage data 393 and can form an induction type modes of payments.
And when electronic transaction payment system 300 is for external connection, also directly external electronic 48 and/or a network platform 49 can be connected by induction pieces networking terminal 51, be subject to the security management and control of the interior card operating system of label chip 391 555 and/or safe control 557, and can Secure execution induction storage data 393 carried out the reading of data, payment, value added, change and/or account transfer.Namely the networking transaction system 40 as previous embodiment is not needed in this embodiment.
Refer to Figure 11 and Figure 12, system is respectively the organigram of further embodiment of this invention and uses schematic diagram, electronic transaction payment system 400 of the present invention is include networking transaction system 40 and an induction payment mechanism 60, wherein responding to payment mechanism 60 is a key chain (keyfob) pattern, and the transaction system 40 that networks is a TypeCUSB device.Be provided with article putting groove 67, label antenna 295 and an induction pieces the first terminal 675 in the body of induction payment mechanism 60, can pass in and out and put networking transaction system 30 in article putting groove 67, and induction pieces the first terminal 675 can be electrically connected label antenna 295.
Induction payment mechanism 60 is still provided with an induction pieces networking terminal 63, it connects a connector impeller 637, and user can allow induction pieces networking terminal 63 import and export the body of 635 and turnover induction payment mechanism 60 through a connector by manipulation connector impeller 637.
When the transaction system 40 that networks inserts induction payment mechanism 60, induction pieces second terminal 33 will be electrically connected induction pieces the first terminal 675, and label chip 391 can be electrically connected label antenna 295, can perform induction payment behavior to cause electronic transaction payment system 400.Again, when induction pieces networking terminal 63 be pushed out of induction payment mechanism 60 external time, networking terminal 31 can be electrically connected induction pieces networking terminal 63, induction pieces networking terminal 63 directly or indirectly can connect external electronic 48 and/or the network platform 49 again, be controlled by card operating system or the safe control of setting in label chip 391 or networking chip 35, data in networking chip 35 and/or the induction storage data 393 in label chip 391 can with external electronic 48 and/or the network platform 49 line, and be therefore read, pay, value added, conversion and/or account transfer.
Refer to Figure 13, it is the organigram that the present invention responds to payment mechanism one embodiment, namely be that the induction pieces terminal (63) that networks is one fixed with not existing together of previous embodiment, expanding-contracting action cannot be carried out, but the present invention can be reached equally in the situation not needing wireless radio frequency reader, the function of the payable or online account transfer of induction storage data 393 in label chip 391.
The networking transaction system 40 of the present invention arbitrarily can be interspersed in the induction payment mechanism of all kinds or profile, the smart card 20 of such as Fig. 2, the general card 45 of Fig. 8, the card breakout box 50 of Fig. 9 and/or the key chain 60 of Figure 11, not only can be easy to carry about with one networking transaction system 40, label chip 391 and induction storage data 393, also the profile of induction payment mechanism can be converted at any time, to be conducive to the popularization of product.
Continuing, refer to Figure 14 and Figure 15, is the organigram being respectively the present invention's two embodiments.Electronic transaction payment system 700 is can be a Wearable device, as square object wearing device or Figure 15 shownschematically circular object wearing device of Figure 14.Include induction payment mechanism 71 and a networking transaction system 75 equally, networking transaction system 75 connects or is fixed on induction payment mechanism 71.Be provided with an electronic tag 39 in induction payment mechanism 71, include label chip 391 and a label antenna 295.Networking terminal 31, networking chip 35 is then provided with in networking transaction system 75.Be electrically connected with networking chip 35 to cause label chip 391 by a connection line 79, and the induction storage data 393 in label chip 391 can be controlled by card operating system and/or the safe control of label chip 391 or networking chip 35, and by external world's use, change and/or account transfer person.
In further embodiment of this invention, as aforementioned Figure 10, the networking chip 35 in networking transaction system 75 also can be integrated in label chip 391.In other words, namely the transaction system 75 that networks is only have networking terminal 31.
Again, refer to Figure 16, it is the organigram of further embodiment of this invention, electronic transaction payment system 800 includes induction payment mechanism 81 and a networking transaction system 85 equally, be with the difference of embodiment described in earlier figures 2, networking transaction system 85 is be fixed on induction payment mechanism 81, and both also can not separate.And induction payment mechanism 81 may be selected to be general card or a smart card.
Again, in one embodiment of the invention, memory cell 87 also directly can be located at induction payment mechanism 81, and is no longer located at networking transaction system 85.Label chip 391 can be electrically connected memory cell 87, and can control the start of networking chip 35.Certainly, in further embodiment of this invention, networking chip 35 also can directly be integrated in label chip 391, and card operating system (COS) and/or safe control (SE) are also located at label chip 391.
Refer to Figure 17, it is the organigram of further embodiment of this invention, electronic transaction payment system 900 is include networking transaction system 40 and an induction payment mechanism 60, but namely the present embodiment and difference embodiment illustrated in fig. 12 are that the induction pieces terminal (63) that networks is a wireless networking interface, comprise wireless networking chip 93, wireless networking antenna 95 and a power supply unit 97.
When electronic transaction payment system 900 is for directly or indirectly connecting external electronic (48) and/or the network platform (49), wireless networking chip 93, wireless networking antenna 95 and power supply unit 97 can be activated, by wireless networking antenna 95 with external electronic (48) and/or the network platform (49) radio connecting.Radio connecting mode system can be a RFID, infrared ray, bluetooth, ZigBee, Wifi, ANT or NFC etc.
In further embodiment of this invention, label antenna 295 and wireless networking antenna 95 also can be integrated into the same antenna.And, if label chip 391 is be located in induction payment mechanism 60, then by single induction payment mechanism 60 can complete induction the modes of payments or networking mode of doing business, networking transaction system 40 function completely by wireless networking chip 93 and wireless networking antenna 95 replace.
Again, in further embodiment of this invention, label antenna 295 also can use the transmit antenna (not shown) of a communication device, such as but not limit be transmit antenna in a mobile phone, a Smartphone or a panel computer.When the transaction system 40 that networks inserts in communication device, networking terminal 31 can be electrically connected circuit in communication device, so can allow the transmit antenna of label wafer electrical connecting communication device, can carry out an induction equally and pay behavior or an online trading behavior.
Referring to Figure 18, is the organigram that the present invention responds to payment mechanism one embodiment.The present invention responds in payment mechanism 89 also can be provided with one or more electronic tag 39,99, and wherein an electronic tag 39 has one (the first) label chip 391 and and is connected its (first) label antenna 295 with (first) label antenna 391.Another electronic tag 99 has one second label chip 991 and second label antenna 995 be connected with the second label chip 991.Electronic tag 39,99 can be applicable to individually from issuing unit, liquidation center and/or non-contact reader (contactlessreader).
Card operating system (COS) and/or safe control (SE) can be located at label chip 391 and/or the second label chip 991, and the label chip 391,991 being provided with card operating system (COS) and safe control (SE) namely needs the data security of management and control electronic tag 39, electronic tag 99.
In one embodiment of the invention, the label chip 391 of electronic tag 39 will be electrically connected by a connection line 997 with the label chip 991 of (second) electronic tag 99, by be provided with card operating system (COS) and safe control (SE) label chip 391 or 991 come management and control two label chips 391,991 induction storage data 393,993 between document circulation, such as transfer accounts.
Electronic tag 39 and (second) electronic tag 99 are the liquidation center that can belong to difference, also can be the storage currency of difference, such as electronic tag 39 is TaiWan, China EasyCard (ECC), its induction storage data 393 is for the Stored Value amount of money with New Taiwan Currency (NTD), electronic tag 99 is then Shanghai transportation card (SPTCC), and its induction storage data 993 is for the Stored Value amount of money with Renminbi (CNY).Two electronic tags 39, 99 can be applicable to individually its indivedual non-contact reader, but count not enough once the Stored Value amount of money of one of them electronic tag 99 or Stored Value, the Stored Value amount of money of another electronic tag 39 can by networking transaction system 40 with the network platform 49 (such as a liquidation center or a third party transaction platform) line, and the amount of RMB directly becoming electronic tag 99 applicable the part New Taiwan Currency amount of money exchange of electronic tag 39, be subject to the card operating system (COS) of label chip 391 and the security management and control of safe control (SE) and remitted amount of RMB is value added stored in electronic tag 99 again, user so can be allowed easily to carry out electronic tag 39, expenditure between 99, value added or remitted, enjoy the enjoyment in strange land shopping.
Referring to Figure 19, is the another embodiment schematic diagram that the present invention responds to payment mechanism 90.Be that (first) label chip 391 and (second) label chip 991 can share a label antenna 295 with aforementioned Figure 18 difference.When label antenna 295 senses sensor signal, storage data in the induction storage data 393 of label chip 391,991, such as ISN, namely can read by non-contact reader, and determine to arrange in pairs or groups and the label chip 391 or 991 be read, to complete the payable mode of sense.Again, be controlled by card operating system 355 and/or the safe control 357 of label chip 391, the induction storage data 393 in label chip 391,991 will be subject to security management and control.
In further embodiment of this invention, induction pieces second terminal (33) is not provided with in networking transaction system 40, and respond in payment mechanism 90 and be not also provided with corresponding induction pieces the first terminal (675), networking transaction system 40 is only to insert or to be fixed on induction payment mechanism 90, is not electrically connected between the two.Networking transaction system 40 is general memory components or Portable disk.
Finally, referring to Figure 20, is the organigram that the present invention responds to payment mechanism one embodiment.One or more label chip 391 is provided with in induction payment mechanism 90, label chip 391 also can be provided with induction storage data 393, card operating system 355, a safe control 357, and in induction storage data 393 or one be provided with multiple Stored Value amount of money storage area 377 with in label crystalline substance time 391 memory cells be connected 37.One of identical or different currency and the amount of money of a correspondence is provided with in each Stored Value amount of money storage area 377, such as first Stored Value amount of money storage area 377 deposits New Taiwan Currency (NTD), and second Stored Value amount of money storage area deposits Renminbi (CNY), the 3rd Stored Value amount of money storage area deposits U.S. dollar (US $).So, respond to the visual country variant of payment mechanism 90 or different regions and use the currency of difference to carry out payment.
Certainly, the different currency amount of money in different Stored Value amount of money storage area 377 also convert the another kind of currency amount of money to by non-contact reader or the network platform 49, and value addedly in another Stored Value amount of money storage area deposit, with user-friendly.
As described above, be only one of the present invention preferred embodiment, not be used for limiting the scope of the invention process, namely all according to the shape described in the present patent application the scope of the claims, structure, characteristic and spirit institute for it impartial change with modify, all should be included in the claim of the present invention.

Claims (30)

1. an electronic transaction payment system, is characterized in that, includes:
One induction payment mechanism, is provided with a putting groove and a label antenna, be provided with an induction pieces the first terminal, and induction pieces the first terminal is by this label antenna of electric connection in putting groove;
One networking transaction system, pass in and out the putting groove of this induction payment mechanism, be provided with a plurality of networking terminal, induction pieces second terminal, networking chip and a memory cell, this induction pieces second terminal is when the transaction system that networks is placed in putting groove, be electrically connected with this induction pieces the first terminal, to cause this networking transaction system and this induction payment mechanism to be electrically connected, this networking chip is then electrically connected with this networking terminal, induction pieces second terminal and memory cell respectively; And
One or more label chip, be located at this induction payment mechanism maybe this networking transaction system, those label chip internal memories are placed with an induction storage data, as label chip is located in this induction payment mechanism, label chip will be electrically connected this label antenna and this induction pieces the first terminal respectively, as label chip is located in this networking transaction system, label chip is then electrically connected this networking chip and this induction pieces second terminal respectively.
2. electronic transaction payment system according to claim 1, it is characterized in that, be provided with a connection in the putting groove of this induction payment mechanism to guide, cause part, a fixing revolving part or is fixed part, pass in and out to cause this networking transaction system, rotate or be fixed on this putting groove.
3. electronic transaction payment system according to claim 1, is characterized in that, this induction pieces second terminal system of this networking transaction system selects and turns user from a plurality of networking terminal.
4. electronic transaction payment system according to claim 1, is characterized in that, this induction payment mechanism is an inductive intelligent card, includes a card number, an intelligent card chip or a magnetic stripe.
5. electronic transaction payment system according to claim 1, is characterized in that, this induction payment mechanism is a SD card adapter, and this networking transaction system is a microSD card or a miniSD card.
6. electronic transaction payment system according to claim 1, is characterized in that, this induction payment mechanism is a key chain or a Wearable device.
7. electronic transaction payment system according to claim 1, it is characterized in that, this induction payment mechanism is provided with an induction pieces networking terminal, and this induction pieces networking terminal is a SD transmission interface, a USB transmission interface, a TypeCUSB transmission interface or a wireless networking interface.
8. electronic transaction payment system according to claim 1, is characterized in that, the networking terminal of this networking transaction system connects an external electronic or a network platform.
9. electronic transaction payment system according to claim 8, is characterized in that, this network platform is a digital content supplier, an ASP, an ecommerce business, a liquidation center or a third party transaction platform.
10. electronic transaction payment system according to claim 1, is characterized in that, this memory cell system includes a data hidden area, a data fixed area and an information storage area.
11. electronic transaction payment systems according to claim 1, is characterized in that, this networking transaction system is a USBCOB Portable disk, a microSD card one miniSD card or a TypeCUSB device.
12. electronic transaction payment systems according to claim 1, is characterized in that, this label chip is maybe provided with the combined type person of a card operating system, a safe control or a card operating system and safe control in this networking chip.
13. electronic transaction payment systems according to claim 1, it is characterized in that, be provided with a connector impeller and a connector in this induction payment mechanism to import and export, connector impeller is connected with an induction pieces networking terminal, and promotes induction pieces networking terminal and pass in and out this connector and import and export.
14. electronic transaction payment systems according to claim 1, is characterized in that, this induction payment mechanism is a portable electronic devices, and this label antenna is the transmit antenna of portable electronic devices.
15. electronic transaction payment systems according to claim 1, is characterized in that, this induction storage data of this label chip is provided with multiple Stored Value amount of money storage area, and each Stored Value amount of money storage area deposits a corresponding currency and the amount of money.
16. 1 kinds of induction payment mechanisms, it is characterized in that, be provided with a putting groove and a label antenna, be provided with an induction pieces the first terminal in putting groove, induction pieces the first terminal is then electrically connected this label antenna.
17. induction payment mechanisms according to claim 16, is characterized in that, this induction payment mechanism is an inductive intelligent card, a SD card adapter, a key chain, a Wearable device or a portable electronic devices.
18. induction payment mechanisms according to claim 16, is characterized in that, more include a label chip, label chip is by this label antenna of electric connection and induction pieces the first terminal.
19. 1 kinds of induction payment mechanisms, it is characterized in that, be provided with induction pieces networking terminal and an one or more electronic tag, electronic tag has a label antenna and a label chip, label chip is electrically connected label antenna and induction pieces networking terminal, and label chip internal memory is placed with an induction storage data.
20. induction payment mechanisms according to claim 19, is characterized in that, this induction pieces networking terminal is a SD transmission interface, a USB transmission interface, a TypeCUSB transmission interface or a wireless networking interface.
21. induction payment mechanisms according to claim 19, is characterized in that, be provided with multiple electronic tag, each electronic tag has a corresponding liquidation center.
22. induction payment mechanisms according to claim 19, it is characterized in that, those electronic tag systems are electrically connected mutually, and are provided with the combined type person of a card operating system, a safe control or a card operating system and safe control in the label chip of a wherein electronic tag.
23. induction payment mechanisms according to claim 19, is characterized in that, be provided with multiple label chip in this electronic tag, jointly use and connect this label antenna.
24. induction payment mechanisms according to claim 19, is characterized in that, this induction storage data of this label chip is provided with multiple Stored Value amount of money storage area, and each Stored Value amount of money storage area deposits the corresponding currency amount of money.
25. induction payment mechanisms according to claim 19, is characterized in that, this induction payment mechanism is an inductive intelligent card, a SD card adapter, a key chain, a Wearable device or a portable electronic devices.
26. 1 kinds of induction payment mechanisms, it is characterized in that, be provided with one or more electronic tag, electronic tag has a label antenna and a label chip, label chip is electrically connected label antenna and induction pieces networking terminal, be provided with an induction storage data in label chip, and this induction storage data is provided with multiple Stored Value amount of money storage area, each Stored Value amount of money storage area deposits the corresponding currency amount of money or liquidation center.
27. 1 kinds of networking transaction systems, it is characterized in that, be provided with a plurality of networking terminal, at least one induction pieces second terminal, networking chip, a memory cell and a label chip, networking chip is electrically connected this networking terminal, induction pieces second terminal, memory cell and label chip respectively, label chip is electrically connected this induction pieces second terminal, and label chip internal memory is placed with an induction storage data.
28. networking transaction systems according to claim 27, is characterized in that, this networking transaction system is a USBCOB Portable disk, a microSD card, a miniSD card or a TypeCUSB device.
29. networking transaction systems according to claim 27, is characterized in that, this induction pieces second terminal system selects and turns user from a plurality of networking terminal.
30. 1 kinds of electronic transaction payment systems, include:
One induction payment mechanism, it is characterized in that, be provided with one or more electronic tag, this electronic tag is provided with a label chip and a label antenna, and label chip is electrically connected label antenna, and label chip internal memory is placed with an induction storage data;
One networking transaction system, is connected with this induction payment mechanism, and be provided with a plurality of networking terminal, networking chip and a memory cell, networking chip is electrically connected with this networking terminal and memory cell respectively.
CN201510600322.4A 2015-09-18 2015-09-18 Electronic transaction payment system and induction payment mechanism, networking transaction system Pending CN105225106A (en)

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