CN106952092A - Payment terminal, miniature passive payment devices, payment system and its method of work - Google Patents
Payment terminal, miniature passive payment devices, payment system and its method of work Download PDFInfo
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- CN106952092A CN106952092A CN201710376916.0A CN201710376916A CN106952092A CN 106952092 A CN106952092 A CN 106952092A CN 201710376916 A CN201710376916 A CN 201710376916A CN 106952092 A CN106952092 A CN 106952092A
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- 230000008878 coupling Effects 0.000 claims abstract description 65
- 238000010168 coupling process Methods 0.000 claims abstract description 65
- 238000005859 coupling reaction Methods 0.000 claims abstract description 65
- 230000006698 induction Effects 0.000 claims abstract description 64
- 238000012011 method of payment Methods 0.000 claims description 6
- 230000005611 electricity Effects 0.000 claims description 2
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- 238000007650 screen-printing Methods 0.000 description 1
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- 238000003860 storage Methods 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10297—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092
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Abstract
The present invention provides a kind of payment terminal, miniature passive payment devices, payment system and its method of work, the payment terminal includes housing, card reader is provided with housing, wherein, payment terminal is provided with induction antenna at the surface of housing, induction antenna includes first antenna and the second antenna, and the area of first antenna is more than the area of the second antenna；First antenna is coupled with the card reader antenna of card reader, first antenna is communicated with card reader antenna with first frequency, first antenna is electrically connected with the second antenna, and second the second frequency of radiofrequency signal that sends of antenna be higher than the first frequency, the second antenna is communicated with the coupling microcell antenna of miniature passive payment devices with second frequency.The payment devices include IC chip and coupling microcell antenna, and the payment system includes above-mentioned payment terminal and payment devices, and the present invention also provides the means of payment of above-mentioned payment system.The present invention can greatly reduce the volume of payment devices.
Description
Technical field
The present invention relates to financial transaction payment terminal field, pay and set more particularly, to a kind of payment terminal, miniature passive
It is standby, the payment system being made up of above-mentioned payment terminal and miniature passive payment devices is also set up, and this payment system institute is in fact
Existing method of work.
Background technology
With the development of intelligent payment devices, people are more and more to be paid using the various intelligent means of payment, for example,
People like being paid using the application program of various electronic equipments, when paying, and user often only needs to open corresponding
Application program, and Quick Response Code is scanned, input is needed after the amount of money of payment, you can to complete branch after authentication
Pay.Because intelligence payment has the advantages that payment is convenient, do not need small change, more and more welcomed by the people.
However, being all based on intelligent electronic device realization because current intelligence is paid, such as in smart mobile phone, flat board
Specific application program is installed on computer, delivery operation is performed using the application program.In addition, people also are intended to using each now
Plant the card with payment function to be paid, for example, paid using the debit card with sudden strain of a muscle pair function, credit card, or made
With the wearable device with payment function, such as bracelet is paid.Intelligence wearable device and various card classes are equal now
Antenna is provided with, contactless communication is carried out using antenna and the antenna of payment terminal, so as to complete delivery operation.
Generally, an IC chip is provided with Payment Card class and intelligent wearable device, IC chip is miniature with one
CPU, and be provided with an antenna, when Payment Card class and intelligent wearable device are close to payment terminal, pass through antenna
The wireless signal that sends of payment terminal is received, by antenna cutting magnetic line and senses and forms induced-current, passes through the induced-current
Power supply is provided to IC chip, to activate IC chip.
But, at present on the market intelligence wearing class product or it is miniature it is non-connect payment product, if antenna effective area is small
In 4 square centimeters, during close to the antenna of payment terminal, cause the magnetic line of force produced not because the effective area of antenna is too small
Foot, the induced-current for often leading to produce is too small and can not activate IC chip, it is impossible to meet the normal work demand of IC chip.So
And, small-sized due to present intelligent wearable device, the design of antenna is also limited by the size of wearable device in itself
And design, generally require to increase power amplifier and battery in wearable device, to power to IC chip.
But, set battery and power amplifier to cause the design complex of wearable device on wearable device,
It must also require that wearable device has charge function simultaneously, that is, charging inlet is set.So, the body of wearable device
Product is difficult further to reduce, and when running into internal circuit failure, component aging or battery life and exhausting, whole active to pay
Wearable device just face situation about can not use.
The content of the invention
The problem of in order to solve above-mentioned, the first object of the present invention be to provide it is a kind of can realize payment devices miniaturization
Payment terminal.
The second object of the present invention is to provide a kind of small volume and meets the miniature passive of wearable device small form factor requirements
Payment devices.
The third object of the present invention is to provide a kind of payment with above-mentioned payment terminal and miniature passive payment devices
System.
The fourth object of the present invention is to provide a kind of passive method of payment using above-mentioned payment system.
To realize the first above-mentioned purpose, the payment terminal that the present invention is provided, which has in housing, housing, is provided with card reader,
Wherein, payment terminal is provided with induction antenna at the surface of housing, and induction antenna includes first antenna and the second antenna,
The area of first antenna is more than the area of the second antenna；First antenna is coupled with the card reader antenna of card reader, first antenna with
Card reader antenna is communicated with first frequency, and first antenna is electrically connected with the second antenna, and the radio frequency letter that the second antenna is sent
Number second frequency be higher than the first frequency, the coupling microcell antenna of the second antenna and miniature passive payment devices is with second frequency
Communicated.
From such scheme, induction antenna is provided with payment terminal surface of shell, and induction antenna includes one
The larger first antenna of area and less second antenna of an area, the frequency of the radiofrequency signal of the second antenna compare first antenna
Radiofrequency signal frequency it is higher, can so allow the tranmitting frequency of the second antenna and coupling on miniature passive payment devices micro-
The transmission signal of antenna is the frequency values matched so that miniature passive payment devices enter the radio-frequency region of the second antenna
When can work well disturbing without the signal by first antenna.
Further, since the non-connection interface of the IC chip of miniature passive payment devices couples microcell antenna with this and is directly connected to, therefore
When region of the miniature passive payment devices close to card reader antenna, occurs secondary coupling with the induction antenna already in radiofrequency field
Close, the induced-current activation IC chip of generation and the work for realizing IC chip complete payment transaction and information exchange function.By
It is higher in the radio frequency signal frequency of the second antenna, and area is smaller, therefore coupling microcell antenna can induce larger induced electricity
Flow to meet the work of IC chip.
One preferred scheme is that induction antenna is arranged on the inner surface of housing or is arranged on the outer surface of housing.
As can be seen here, induction antenna is arranged at the surface of whole payment terminal, can avoid the signal quilt of induction antenna
Other devices are blocked, and are conducive to the coupling microcell antenna of miniature passive payment terminal to receive the signal that induction antenna is sent.
To realize the second above-mentioned purpose, the miniature passive payment devices that the present invention is provided include setting in shell, shell
There is IC chip, wherein, the coupling microcell antenna electrically connected with IC chip is additionally provided with shell, coupling microcell antenna receives payment terminal
The signal that sends of induction antenna, and couple microcell antenna and communicated with second frequency with induction antenna, couple microcell antenna and connect
Receive and formed after the signal of induction antenna induced-current and export to IC chip.
From such scheme, the coupling microcell antenna of miniature passive payment devices receives the induction antenna hair of payment terminal
After the signal gone out, induced-current will be produced and powered to IC chip, IC chip work can be so activated.Due to payment terminal
The second antenna of induction antenna send the signal of the higher second frequency of frequency, therefore coupling microcell antenna can be received more
The wireless signal of high frequency and induced-current is formed, the area of coupling microcell antenna can be made small, be set so as to meet and can transmit
The requirement of standby miniaturization.
One preferred scheme is that the area of coupling microcell antenna is between 0.5 square centimeter to 2 square centimeter.
As can be seen here, by couple microcell antenna area do it is very small, it can be ensured that the volume of miniature passive payment devices
It is made small, and then reduces the volume of wearable device.
For the 3rd purpose in realization, the payment system that the present invention is provided includes payment terminal and communicated with payment terminal
Miniature passive payment devices, payment terminal, which has in housing, housing, is provided with card reader, wherein, payment terminal is close to housing
Surface at be provided with induction antenna, induction antenna includes first antenna and the second antenna, and the area of first antenna is more than the
The area of two antennas；First antenna is coupled with the card reader antenna of card reader, and first antenna is with card reader antenna with first frequency
Communicated, first antenna is electrically connected with the second antenna, and the second frequency of radiofrequency signal that the second antenna is sent is higher than described
First frequency, the second antenna is communicated with the coupling microcell antenna of miniature passive payment devices with second frequency；Miniature passive branch
Dispensing apparatus has the coupling microcell antenna that IC chip is provided with shell, shell and is electrically connected with IC chip, and coupling microcell antenna connects
The signal that induction antenna is sent is received, and couples microcell antenna and is communicated with second frequency with induction antenna, coupling microcell antenna connects
Receive and formed after the signal of induction antenna induced-current and export to IC chip.
For the 4th purpose in realization, the method for payment that the present invention is provided includes the card reader day of the card reader of payment terminal
Line is coupled with induction antenna and to induction antenna sending signal, and induction antenna includes first antenna and the second antenna, first
The area of antenna is more than the area of the second antenna, and first antenna is communicated with card reader antenna with first frequency；First day
Line is electrically connected with the second antenna, and the second frequency of radiofrequency signal that the second antenna is sent is higher than the first frequency；Miniature nothing
When source payment devices are close to payment terminal, the coupling microcell antenna of the second antenna and miniature passive payment devices is coupled, and with second
Frequency is communicated with coupling microcell antenna；Induced-current is formed after the signal for coupling microcell antenna reception induction antenna and is exported to IC
Chip, the signal that IC chip is sent is received after passing sequentially through coupling microcell antenna, the second antenna, first antenna by card reader.
From such scheme, induction antenna, the radiofrequency signal of the second antenna are provided with payment terminal surface of shell
Frequency it is higher than the frequency of the radiofrequency signal of first antenna, can so allow tranmitting frequency and the miniature passive branch of the second antenna
The transmission signal of coupling microcell antenna on dispensing apparatus is the frequency values matched so that miniature passive payment devices enter
Can work disturbing without the signal by first antenna well during the radio-frequency region of two antennas.
, will after the signal that the induction antenna that the coupling microcell antenna of miniature passive payment devices receives payment terminal is sent
Produce induced-current and powered to IC chip, and the radio frequency signal frequency of coupling microcell antenna is higher, therefore can produce larger
Induced-current with activate IC chip work.Because the second antenna of the induction antenna of payment terminal sends higher second of frequency
The signal of frequency, thus coupling microcell antenna can receive the more wireless signal of high frequency and form enough induced-currents,
Coupling microcell antenna area can be made small so that meet can transmission equipment miniaturization requirement.
Brief description of the drawings
Fig. 1 is the structural schematic block diagram of payment system embodiment of the present invention.
Fig. 2 is the structural representation of induction antenna in payment terminal embodiment of the present invention.
Fig. 3 is structural representation of the IC chip with coupling microcell antenna in miniature passive payment devices embodiment of the present invention.
Fig. 4 is the flow chart of method of payment embodiment of the present invention.
Below in conjunction with drawings and Examples, the invention will be further described.
Embodiment
The payment terminal of the present invention can be POS with antenna or other be able to carry out the machines of gathering functions,
And the payment terminal is contactless payment terminal, can be communicated by way of radio communication with payment devices.
The miniature passive payment devices of the present invention can be the passive payment devices of volume very little, such as wearable payment devices or micro-
The antenna of volume very little is set on type smart card, these miniature passive payment devices, for realizing the channel radio with payment terminal
Letter.The payment system of the present invention includes above-mentioned payment terminal and miniature passive payment devices, and method of payment of the invention is
Apply in above-mentioned payment system, the contactless payment method of above-mentioned payment system for realizing.
Referring to Fig. 1, the payment system of the present embodiment includes payment terminal 10 and miniature passive payment devices 20, pays eventually
End 10 and miniature passive payment devices 20 are equipped with antenna to realize radio communication.For example, setting Card Reader in payment terminal 10
Device 11 and induction antenna 13, wherein induction antenna 13 are used to carry out radio communication with miniature passive payment devices 20.This implementation
In example, card reader 11 is used for the data for reading IC chip 21 in miniature passive payment devices 20, and enters with the server on backstage
Row data exchange, so as to complete delivery operation.Also, it is provided with card reader antenna 12, the present embodiment, reads in card reader 11
The frequency for the wireless signal that card device antenna 12 is launched is first frequency, such as 13.56M hertz.
It is preferred that, payment terminal 10 is a POS for carrying contactless function, and such as payment terminal 10 sets a shell
Body, card reader 11 is arranged in housing, and payment terminal 10 can pass through the wired or wirelessly backstage with beneficiary
Server is communicated, and such as examines identity information, the verification dealing money of Payment Card or miniature passive payment devices 20.
Induction antenna 13 can be relay antenna, be arranged on surface treatment of the payment terminal 10 close to housing, for example, pasting
Housing inner surface or be arranged on the outer surface of housing, it is preferred that on the housing of payment terminal 10 reserve it is special
Aerial position, induction antenna 13 is bonded in aerial position.As shown in Fig. 2 induction antenna 13 is led by etching or silk-screen printing
Electric printing ink to manufacture is formed, and the small size of induction antenna 13 is very much not limited by the size of standard intelligent card, but can be with
Designed according to the size of card reader, for example the size than card reader 11 is slightly larger, to reach optimal inductive effects.
When induction antenna 13 is arranged on the inner surface of housing, one layer of sticking tablet can be used to be pasted onto induction antenna 13
On the inner surface of housing, therefore induction antenna 13 is fitted between shell inner surface and sticking tablet.In order to avoid housing is to sense
The signal shielding for answering antenna 13 to launch, the housing of payment terminal 10 can use plastic or other material to be made, without that should use gold
The material that category etc. can shield wireless signal is made.
When induction antenna 13 is arranged on the outer surface of housing, induction antenna 13 can be designed to a variety of different shapes
Or picture and be attached on the outer surface of payment terminal 10, with increase the attractive in appearance of payment terminal 10 and can visual sense, while also may be used
The communication zone optimal to indicate miniature passive payment devices 20.
As shown in Figure 2, induction antenna 13 includes the antenna 17 of first antenna 16 and second, wherein first antenna 16
Area is more than the area of the second antenna 17, i.e. the coil outer diameter of first antenna 16 is larger, and the external diameter of the coil of the second antenna 17
It is smaller.In the present embodiment, the frequency for the wireless signal that first antenna 16 is launched is also 13.56M hertz, that is, first antenna 16
Radiofrequency signal frequency and the radiofrequency signal of card reader antenna 12 frequency it is basically identical, be all first frequency, thus sensing
The first coil 16 of antenna 13 can be coupled with card reader antenna 12 and carry out data exchange.Also, in card reader day
In plane where line 12, the projection of first antenna 16 at least partially overlaps with card reader antenna 12, in order to first antenna 16
The radiofrequency signal that sends of card reader antenna 12 is received, so that sensing forms induced-current in first antenna 16, the is achieved in
One secondary coupling.
Second antenna 17 is electrically connected with first antenna 16, and first antenna 16 receives the radio frequency that card reader antenna 12 is sent
Induced-current is formed after signal, induced-current is flowed on the second antenna 17.Because the area of the second antenna 17 is smaller, and second day
The coil turn of line 17 is more, and the gap between adjacent two turn coils is smaller.It is preferred that, the coil turn of the second coil 17
It is less than first coil 16 more than the gap between the coil turn of first coil 16, and the two adjacent turn coils of the second coil 17
Two adjacent turn coils between gap.Therefore the frequency of the radiofrequency signal of the second coil 17 transmitting is higher, i.e. the second antenna
The frequency of 17 radiofrequency signals sent is higher than first frequency, that is, the frequency of the radiofrequency signal of the second antenna 17 is higher than first day
The frequency that line 16 is communicated with card reader antenna 12, it is preferred that the frequency of the radiofrequency signal of the second antenna 17 transmitting is conspicuous in 20M
More than hereby.
Miniature passive payment devices 20 have shell, and such as miniature passive payment devices 20 are one and wearable set
It is standby, such as Intelligent bracelet, then the Intelligent bracelet be provided with shell, be provided with shell an IC chip 21 and coupling microcell antenna
22, referring to Fig. 3, IC chip 21 is that CPU and memory are provided with the intelligent chip of a volume very little, and IC chip 21,
The data that the CPU can be stored to memory are encrypted, to avoid the data that memory is stored from illegally being read
Or distort.Memory is used to store user data, and the identity information of such as user, accounts information, wherein accounts information are also wrapped
Include the data such as number, the account balance of the account.
Coupling microcell antenna 22 is also provided in shell, and it is very small to couple the area of microcell antenna 22, it can be provided
Between 0.5 square centimeter to 2 square centimeters, it is preferred that the area of coupling microcell antenna 22 only has 1 square centimeter.So, couple micro-
Antenna 22 can be closely looped around outside IC chip 21 so that the area of IC chip 21 and coupling microcell antenna 22 only has 1 square
Centimetre to 2 square centimeters or so.
It is preferred that, couple the gap very little between more and adjacent two turn coils of coil turn of microcell antenna 22, coupling
Gap between the coil turn of microcell antenna 22, two adjacent turn coils can be with the coil turn of the second antenna 17, adjacent
Gap between two turn coils is identical or roughly the same.
In the present embodiment, IC chip 21 can be pure bow strip band, can using customization pure non-narrow bars band, so can be with
So that the module volume that IC chip and coupling microcell antenna 22 are constituted is smaller., can be with when making miniature passive payment devices 20
The non-connection interface and miniature coupled antenna 22 of IC chip 21 are directly electrically connected, then IC chip 21 and miniature coupled antenna 22 are collected
Into in shell.
So, IC chip 21 and coupling microcell antenna 22 are encapsulated in after the shell of miniature passive payment devices 20, whole micro-
The size of the passive payment devices 20 of type can accomplish very little, meet the wearable device requirement less and less to volume.Using this
The miniature passive payment devices 20 of invention, can be fabricated to the production such as pendant, earrings of Intelligent bracelet, ring, necklace or bangle
Product, it might even be possible to be on isometric small, thickness ultrathin the product of manicure.
The method that above-mentioned payment system is paid is applied with reference to Fig. 4 introductions.First, the Card Reader in payment terminal
Device antenna sends radiofrequency signal to induction antenna, that is, performs step S1.Due to the first antenna and card reader antenna of induction antenna
Radiofrequency signal there is identical rf frequency, therefore first antenna will receive radiofrequency signal transmitted by card reader antenna,
And thus sensing forms induced-current.Because first antenna is electrically connected with the second antenna, therefore also there is electric current on the second antenna
Flow through.
Because the coil turn of the second antenna is more, and the gap between two adjacent rings coil is smaller, therefore the second antenna
The frequency of the radiofrequency signal of transmitting is higher, such as more than 20M hertz, therefore, the radio frequency signal that the second antenna is sent
Frequency is above the second frequency of first frequency.
When user performs delivery operation, by miniature passive payment devices close to payment terminal, that is, step S2 is performed.Due to micro-
When the passive payment devices of type are close to payment terminal, in the magnetic field range for the radiofrequency signal that coupling microcell antenna is launched in the second antenna,
Therefore sensing generates induced-current and powered to IC chip on coupling microcell antenna, that is, performs step S3.In fact, miniature nothing
As long as source payment devices are close to the region where the card reader antenna of payment terminal, you can with being attached to payment terminal shell already
Induction antenna on body realizes the second secondary coupling, so as to form induced-current, and activates IC chip work.
Finally, perform the IC chip in step S4, miniature passive payment terminal and pass sequentially through coupling microcell antenna, the second antenna
And first antenna carries out signal transmission with card reader antenna, so that the data in IC chip are sent to card reader.Also, branch
Data can also be sent to IC chip by paying the card reader in terminal, so as to read the data of storage on the ic chip, such as read body
Part information, accounts information etc., and the information read is sent to background server, pass through authentication in background server
After carry out delivery operation.
Because the frequency of the frequency and the radiofrequency signal of the second antenna of the radiofrequency signal of first antenna is differed, so, when
When second antenna is communicated with coupling microcell antenna, the radiofrequency signal that can't be sent by first antenna is disturbed.
In the solution of the present invention, the communication between card reader and IC chip needs multiple antennas to occur two secondary couplings, first
Secondary coupling is the coupling between card reader antenna and first antenna, and the communication between first antenna and card reader antenna is to use
What first frequency was carried out, the second secondary coupling is to couple the coupling between microcell antenna and the second antenna, and coupling microcell antenna and second
Communication between antenna is carried out using second frequency.
It can be seen that, using the solution of the present invention, the volume of miniature passive payment devices can be allowed to be made very small, can be by IC cores
Piece is integrated into nearly all small intelligent artifact equipment, while causing that small intelligent artifact need not be put with signal again
Big circuit and power supply, it is not required that carry out periodic charge to equipment, adds the yields of equipment production, reduces and be produced into
This, while the miniature passive payment devices service life of itself can be increased again.
In addition, the induction antenna being pasted onto on the housing of payment terminal is limited by usual standard card size again
System, the design relevant parameter of the coupling microcell antenna by adjusting induction antenna and miniature passive payment devices, can cause miniature
Passive payment devices obtain good inductive effects, and good usage experience is brought to user.
Certainly, above-described embodiment is only the preferred embodiment of the present invention, during practical application, and the present invention also has more
Change, for example, the change of induction antenna concrete shape, change of miniature passive payment devices specific product etc., such to change
Also the purpose of the present invention can be realized.
Claims (10)
1. payment terminal, including：
Card reader is provided with housing, the housing；
It is characterized in that：
The payment terminal is provided with induction antenna at the surface of the housing, the induction antenna include first antenna with
And second antenna, the area of the first antenna is more than the area of second antenna；
The first antenna is coupled with the card reader antenna of the card reader, and the first antenna and the card reader antenna are with the
One frequency is communicated, and the first antenna is electrically connected with second antenna, and the radiofrequency signal that second antenna is sent
Second frequency be higher than the first frequency, the coupling microcell antennas of second antenna and miniature passive payment devices is with described the
Two frequencies are communicated.
2. payment terminal according to claim 1, it is characterised in that：
The induction antenna is arranged on the inner surface of the housing or is arranged on the outer surface of the housing.
3. miniature passive payment devices, including：
IC chip is provided with shell, the shell；
It is characterized in that：
The coupling microcell antenna electrically connected with the IC chip is additionally provided with the shell, the coupling microcell antenna, which is received, to be paid eventually
The signal that the induction antenna at end is sent, and the coupling microcell antenna communicated with second frequency with the induction antenna, institute
Induced-current is formed after the signal for stating the coupling microcell antenna reception induction antenna and is exported to the IC chip.
4. miniature passive payment devices according to claim 3, it is characterised in that：
The area of the coupling microcell antenna is between 0.5 square centimeter to 2 square centimeter.
5. payment system, including payment terminal and the miniature passive payment devices that are communicated with the payment terminal, the payment
Terminal, which has in housing, the housing, is provided with card reader；
It is characterized in that：
The payment terminal is provided with induction antenna at the surface of the housing, the induction antenna include first antenna with
And second antenna, the area of the first antenna is more than the area of second antenna；
The first antenna is coupled with the card reader antenna of the card reader, and the first antenna and the card reader antenna are with the
One frequency is communicated, and the first antenna is electrically connected with second antenna, and the radiofrequency signal that second antenna is sent
Second frequency be higher than the first frequency, the coupling microcell antennas of second antenna and miniature passive payment devices is with described the
Two frequencies are communicated；
The miniature passive payment devices, which to be had, be provided with IC chip in shell, the shell and electrically connected with the IC chip
Coupling microcell antenna, the coupling microcell antenna receives the signal that the induction antenna is sent, and the coupling microcell antenna is with the
Two frequencies are communicated with the induction antenna, and the coupling microcell antenna forms induced electricity after receiving the signal of the induction antenna
Flow and export to the IC chip.
6. payment system according to claim 5, it is characterised in that：
The induction antenna is arranged on the inner surface of the housing or is arranged on the outer surface of the housing.
7. the payment system according to claim 5 or 6, it is characterised in that：
The area of the coupling microcell antenna is between 0.5 square centimeter to 2 square centimeter.
8. method of payment, it is characterised in that including：
The card reader antenna of the card reader of payment terminal is coupled with induction antenna and to the induction antenna sending signal, described
Induction antenna includes first antenna and the second antenna, and the area of the first antenna is more than the area of second antenna, and
The first antenna is communicated with the card reader antenna with first frequency；
The first antenna is electrically connected with second antenna, and the second frequency of radiofrequency signal that second antenna is sent is high
In the first frequency；
When miniature passive payment devices are close to the payment terminal, the coupling of second antenna and the miniature passive payment devices
Microcell antenna coupling is closed, and is communicated with the second frequency with the microcell antenna that couples；
The coupling microcell antenna, which is received, to be formed induced-current and exports to the IC chip after the signal of the induction antenna, described
The signal that IC chip is sent is passed sequentially through after the coupling microcell antenna, second antenna, the first antenna by the Card Reader
Device is received.
9. method of payment according to claim 8, it is characterised in that：
The induction antenna is arranged on the payment terminal at the surface of the housing.
10. method of payment according to claim 8 or claim 9, it is characterised in that：
The miniature passive payment devices have shell, and the coupling microcell antenna is arranged in the shell, and coupling microcell antenna
Area be 0.5 square centimeter to 2 square centimeters between.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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