CN107230075A

CN107230075A - A kind of multi-application smart card method of commerce and system

Info

Publication number: CN107230075A
Application number: CN201611101885.XA
Authority: CN
Inventors: 李东声
Original assignee: Tendyron Technology Co Ltd
Current assignee: Tendyron Corp; Tendyron Technology Co Ltd
Priority date: 2016-12-02
Filing date: 2016-12-02
Publication date: 2017-10-03
Anticipated expiration: 2036-12-02
Also published as: CN107230075B

Abstract

The invention discloses a kind of multi-application smart card method of commerce and system, this method includes：Multi-application smart card receives user and instructed by the first application activating of key-press input, and activation first is applied；Multi-application smart card receives the card seeking inputted by wireless communication interface and instructed, and sets up and communicates to connect with first terminal；First terminal sends application to multi-application smart card and obtains instruction；Multi-application smart card receives the application inputted by wireless communication receiver and obtained after instruction, and the application that the identification information for carrying the application for being currently at state of activation is returned to first terminal obtains response；First terminal initiates the transaction request of the application for being currently at state of activation to multi-application smart card, and transaction request at least includes Transaction Information；Multi-application smart card receives the transaction request inputted by wireless communication receiver, points out Transaction Information, and after confirming that Transaction Information is correct, trade confirmation response is sent to first terminal；First terminal carries out follow-up transactional operation.

Description

A kind of multi-application smart card method of commerce and system

Technical field

The present invention relates to a kind of electronic technology field, more particularly to a kind of multi-application smart card method of commerce and system.

Background technology

It can be realized in existing smart card by the download, the multiple application programs of installation with realizing on a card Different functions, this smart card is properly termed as multi-application smart card.However, in the prior art, multi-application smart card needs The selection of application could be completed by card reader：Multi-application smart card needs the list of application by all application compositions in card to send To card reader；Card reader receives list of application, and all applications in list of application are included on screen, is completed to apply by user Selection, and the applicative notifications that user is selected are applied card reader more.The application selection needs of existing multi-application smart card are borrowed The card reader of outside is helped, inconvenience is brought to user, and multi-application smart card needs repeatedly to be interacted with card reader, ability Application selection is completed, the complexity of transaction flow is added, reduces the efficiency of transactional operation.

The content of the invention

Present invention seek to address that one of above mentioned problem.

It is a primary object of the present invention to provide a kind of multi-application smart card method of commerce；

Another object of the present invention is to provide a kind of multi-application smart card transaction system.

To reach above-mentioned purpose, what technical scheme was specifically realized in：

One aspect of the present invention provides a kind of multi-application smart card method of commerce, including：Multi-application smart card receives user Instructed by the first application activating of the key-press input of the multi-application smart card, the instruction of the first application activating at least includes activation The configured information of first application, activation first is applied；Multi-application smart card receives first terminal and passes through multi-application smart card After the card seeking instruction of wireless communication interface input, card seeking response is returned to first terminal, and communicate to connect with first terminal foundation； First terminal is received after the card seeking response inputted by the wireless communication receiver, and sending application to multi-application smart card obtains Instruction；Multi-application smart card receives application acquisition and instructed, and obtains and responds to first terminal return application, in being responded using acquisition extremely The identification information for the application for being currently at state of activation is carried less；First terminal receives application and obtains response, according to current place The transaction of the application for being currently at state of activation is initiated to multi-application smart card in the identification information of the application of state of activation Request, transaction request at least includes Transaction Information；Multi-application smart card receives the friendship inputted by the wireless communication receiver Easily after request, Transaction Information is pointed out, and after the correct trade confirmation instruction of confirmation Transaction Information is received, trade confirmation is rung It should send to first terminal；First terminal is received after trade confirmation response, carries out follow-up transactional operation.

Optionally, first terminal is initiated according to the identification information for the application for being currently at state of activation to multi-application smart card For the transaction request for the application for being currently at state of activation, including：First terminal is obtained in response from application and obtained from current It is currently in the identification information of the application of state of activation, and according to the identification information judgment for the application for being currently at state of activation The application of state of activation whether be first terminal support application, if it is, according to the application for being currently at state of activation Identification information initiates the transaction request of the application for being currently at state of activation to multi-application smart card.

Optionally, after the application of multi-application smart card activation first, response is obtained returning to application to first terminal Before, method also includes：Multi-application smart card receives the second application of the key-press input that user passes through the multi-application smart card Activation instruction, the second application activating instruction at least includes the configured information of the application of activation second；First application is deactivated Operation, and activate the second application.

Optionally, the identification information for the application for being currently at state of activation is at least carried in transaction request；Applying more Smart card is received after transaction request, and before trade confirmation response is sent to first terminal, method also includes：Judge transaction What is carried in request is currently at the identification information of the application of state of activation and the mark of the currently active application of multi-application smart card Know whether information matches, sent if it is, performing and responding trade confirmation to the operation of first terminal.

Optionally, method also includes：The application that multi-application smart card sends the application of download the 3rd to second terminal is downloaded please Ask；Second terminal receives and applies download request, will be sent using download request to server；Server response application is downloaded please Ask, the 3rd is sent to second terminal using corresponding application load information；Second terminal receives and applies load information, will apply Load information is sent to multi-application smart card；Multi-application smart card, which is received, applies load information, and loading the 3rd is applied.

Another aspect of the present invention provides a kind of multi-application smart card transaction system, including：Multi-application smart card and first Terminal；Multi-application smart card, the first application activating for receiving the key-press input that user passes through the multi-application smart card refers to Order, the first application activating instruction at least includes the configured information of the application of activation first, and activation first is applied；Multi-application smart card, It is additionally operable to receive after card seeking instruction of the first terminal by the wireless communication interface input of multi-application smart card, is returned to first terminal Card seeking response is returned, and communication connection is set up with first terminal；First terminal, for receiving card seeking response, to multi-application smart card Send application and obtain instruction；Multi-application smart card, is additionally operable to receive the application acquisition inputted by the wireless communication receiver Instruction, returns using response is obtained to first terminal, answering for state of activation is currently at using obtaining at least to carry in response Identification information；First terminal, is additionally operable to receive application acquisition response, according to the mark for the application for being currently at state of activation Information initiates the transaction request of the application for being currently at state of activation to multi-application smart card, and transaction request at least includes handing over Easy information；Multi-application smart card, is additionally operable to receive the transaction request inputted by the wireless communication receiver, points out transaction letter Breath, and after the correct trade confirmation instruction of confirmation Transaction Information is received, trade confirmation response is sent to first terminal；The One terminal, is additionally operable to receive after trade confirmation response, carries out follow-up transactional operation.

Optionally, first terminal, is additionally operable to the identification information according to the application for being currently at state of activation to applying intelligence more The transaction request for initiating the application for being currently at state of activation can be blocked, including：First terminal, is additionally operable to obtain from application and rings The identification information for the application for being currently at state of activation is obtained in answering, and is believed according to the mark for the application for being currently at state of activation Breath judge be currently at state of activation application whether be first terminal support application, if it is, sharp according to being currently at The identification information of the application of state living initiates the transaction request of the application for being currently at state of activation to multi-application smart card.

Optionally, multi-application smart card, is additionally operable to after the application of activation first, is obtained returning to application to first terminal Before response, the second application activating instruction for the key-press input that user passes through the multi-application smart card, the second application are received Activation instruction at least includes the configured information of the application of activation second；Deactivating operation is carried out to the first application, and activates second answering With.

Optionally, the identification information for the application for being currently at state of activation is at least carried in transaction request；Apply intelligence more It can block, be additionally operable to after transaction request is received, before trade confirmation response is sent to first terminal, judge transaction request The identification information of the application for being currently at state of activation of middle carrying is believed with the mark of the currently active application of multi-application smart card Whether breath matches, and is sent if it is, performing and responding trade confirmation to the operation of first terminal.

Optionally, system also includes：Second terminal and server；Multi-application smart card, is additionally operable to send to second terminal Download the application download request of the 3rd application；Second terminal, for receive apply download request, will be sent using download request to Server；Server, for response application download request, the 3rd is sent to second eventually using corresponding application load information End；Second terminal, is additionally operable to reception application load information, will be sent using load information to multi-application smart card；Apply intelligence more It can block, be additionally operable to reception application load information, loading the 3rd is applied.

As seen from the above technical solution provided by the invention, the invention provides a kind of multi-application smart card counterparty Method, multi-application smart card is selection, the activation that application can be achieved without outside first terminal, passes through card seeking process and the One terminal sets up communication connection, and is traded based on the application activated and first terminal, reduces the complexity of transaction flow Property, improve the efficiency of transactional operation.

Brief description of the drawings

In order to illustrate the technical solution of the embodiments of the present invention more clearly, being used required in being described below to embodiment Accompanying drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for this For the those of ordinary skill in field, on the premise of not paying creative work, other can also be obtained according to these accompanying drawings Accompanying drawing.

Fig. 1 is the flow chart for the multi-application smart card method of commerce that the embodiment of the present invention 1 is provided；

Fig. 2 is a kind of structural representation for the multi-application smart card transaction system that the embodiment of the present invention 2 is provided；

Fig. 3 is another structural representation for the multi-application smart card transaction system that the present embodiment 2 is provided.

Embodiment

With reference to the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Ground is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.Based on this The embodiment of invention, the every other implementation that those of ordinary skill in the art are obtained under the premise of creative work is not made Example, belongs to protection scope of the present invention.

In the description of the invention, it is to be understood that term " " center ", " longitudinal direction ", " transverse direction ", " on ", " under ", The orientation or position relationship of the instruction such as "front", "rear", "left", "right", " vertical ", " level ", " top ", " bottom ", " interior ", " outer " are Based on orientation shown in the drawings or position relationship, it is for only for ease of the description present invention and simplifies description, rather than indicate or dark Specific orientation must be had, with specific azimuth configuration and operation by showing the device or element of meaning, therefore it is not intended that right The limitation of the present invention.In addition, term " first ", " second " are only used for describing purpose, and it is not intended that indicating or implying and be relative Importance or quantity or position.

In the description of the invention, it is necessary to illustrate, unless otherwise clearly defined and limited, term " installation ", " phase Even ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected；Can To be mechanical connection or electrical connection；Can be joined directly together, can also be indirectly connected to by intermediary, Ke Yishi The connection of two element internals.For the ordinary skill in the art, with concrete condition above-mentioned term can be understood at this Concrete meaning in invention.

The embodiment of the present invention is described in further detail below in conjunction with accompanying drawing.

Embodiment 1

A kind of multi-application smart card method of commerce is present embodiments provided, as shown in figure 1, many applications that the present embodiment is provided Smart card method of commerce comprises the following steps (S101-S107)：

S101, the first application activating that multi-application smart card receives the key-press input that user passes through multi-application smart card refers to Order, the first application activating instruction at least includes the configured information of the application of activation first, and activation first is applied.

In the present embodiment, multi-application smart card receives an operational order, it can be determined that the operational order is by button Input is still inputted by wireless communication interface, is judging it is after the operational order of key-press input, if parsing obtains the operation and referred to The configured information of the application of activation first is carried in order, then can identify that the operational order passes through multi-application smart card for user Key-press input the instruction of the first application activating, wherein, the application that first application is currently selected for user.

In the present embodiment, multi-application smart card refers to apply by downloading, installing, and realizes a variety of difference in functionalitys Smart card.For example, realization finance, social security, the application of public transport function can be installed in multi-application smart card so that apply intelligence more Can block can use as fiscard, social security card, mass transit card, can also be installed in multi-application smart card and realize other functions Application program so that the card that multi-application smart card is realized as other functions is used, in the present embodiment not to many applications The function of application in smart card is specifically limited.In the present embodiment, the type of multi-application smart card can be java intelligence Energy card, IC-card, CPU card etc., are not especially limited in the present embodiment.

In actual use, multi-application smart card can be shut down after the completion of use to save the electricity of smart card, , therefore, can as one of the embodiment of the present invention when needing to reuse multi-application smart card, it is necessary to which first start could be used Embodiment is selected, before step S101, the multi-application smart card method of commerce that the present embodiment is provided can also include following step Suddenly：S100, multi-application smart card receives start-up command, and the initialization of upper electric completion system, activation system application or acquiescence are answered With or last shutdown before the application that finally activates.Pass through the optional embodiment, it is ensured that electricity is initial on multi-application smart card There is an application being active after change.

It is now many if this time start is the first time start after multi-application smart card hair fastener in specific implementation process Completed using electricity is only provided with system application, multi-application smart card in smart card after system initialization, can only activation system should With, wherein, system application is being used for of installing in multi-application smart card to realize answering for the functions such as download, the management of application program With.Default application gives tacit consent to the application being active after referring to multi-application smart card start, and user can will be the most frequently used Using being set to default application so that the most frequently used application is to be active after start, user is reduced using many applications The number of times of application selection is carried out during smart card.In specific implementation process, user can be arranged as required to electric first Which kind of in the application finally activated before activation system application or default application or last shutdown after beginningization is applied.

In specific implementation process, if before multi-application smart card receives the instruction of the first application activating, applying intelligence more The application activating finally to be activated before default application state of activation or system application activating state or last shutdown can be blocked State, then recognizing that the instruction of the first application activating is that (i.e. the instruction includes the instruction letter of the application of activation first to application selection instruction Breath) after, before the application of activation first, the method that the present embodiment is provided can also include：Should to default application or system With or last shutdown before finally activate apply and carry out deactivating operation.Deactivation refers to turning application by state of activation It is changed into unactivated state.Carry out reactivation user selection after deactivating operation to the application for being currently at state of activation first should With, it is to avoid different multiple applications are active causing multi-application smart card response failure or mistake simultaneously.

In order to prevent multi-application smart card from being used by disabled user, in the step s 100, the one of the embodiment of the present invention is used as Individual optional embodiment,, can be with before the initialization of upper electric completion system after multi-application smart card receives start-up command Authentication first is carried out to user.In specific implementation process, multi-application smart card is received after start-up command, can first show body Part authentication interface, points out user to carry out authentication, and the authentication of only user passes through, and it is complete that multi-application smart card could go up electricity Into the initialization of system, prevent multi-application smart card from being used by disabled user, cause the loss of user.Multi-application smart card is carried out Whether the concrete mode of authentication can correct for the PIN code of checking user's input, or the biological characteristic of checking user is believed Whether breath (for example, fingerprint, pulse etc.) matches.If the PIN code of input is correct or biometric information matches, identity is recognized Card passes through, and otherwise authentication does not pass through.

In the present embodiment, the first application can be that at least one in multi-application smart card in multiple applications for installing should With for example, being provided with mass transit card application, identity card application in multi-application smart card, bank card is applied, access card is answered using 4 With the instruction of the first application activating can include the configured information of activation mass transit card application to activate mass transit card application.Thus, may be used To indicate that multi-application smart card swashs by carrying the identification information of the first application to be activated in the instruction of the first application activating The application for identification information instruction that it serves somebody right.

In specific implementation process, when the multi-application smart card that the present embodiment is provided is java smart cards, Ke Yiyou Java virtual machines (Java Virtual Machine, abbreviation JVM) judge that the operational order received is connect by which kind of interface Receive, and recognize which kind of instruction instruction is, for example, can identify that operational order is the input interface from the button of smart card Either received from wireless communication interface, the input interface and wireless communication interface of button at least included in the present embodiment, Wherein, when it is from key-press input that multi-application smart card, which detects operational order, it can recognize that the operational order should for first With activation instruction, (and the second application activating for hereinafter mentioning is instructed, the 3rd application activating is instructed, i.e., by key-press input Operational order for activating respective application).In the present embodiment, the wireless communication interface of multi-application smart card can be WIFI Interface, blue tooth interface, near-field communication (Near Field Communication, abbreviation NFC) interface etc., in the present embodiment not Make specific limit.

In step S101, after the application of activation first, a kind of optional embodiment of the embodiment of the present invention, this reality are used as Applying the method for example offer can also include：The list of application of multi-application smart card is shown on a display screen, and the list of application includes The list item for one or more applications that multi-application smart card is installed, the content of the list item includes application identities, Apply Names, application State etc. applies description information, and the list item of the first application that active user is selected distinguishes aobvious with the list item of non-selected application Show (for example, the list item overstriking for the first application that user is selected, or add shade to show), facilitate user to know the of activation One application is specially the information such as which kind of application and application state.

S102, multi-application smart card receives first terminal and passes through seeking that the wireless communication interface of multi-application smart card is inputted After card instruction, card seeking response is returned to first terminal, and communicate to connect with first terminal foundation.

In step s 102, first terminal can be the equipment (for example, card reader) with card-reading function, many for reading Using smart card.First terminal broadcast card seeking instruction, to search card admission, enters first terminal in multi-application smart card Electromagnetic field after, the card seeking instruction of the first terminal just can be received, and card seeking response is returned to first terminal, so as to the One terminal sets up communication connection.Multi-application smart card receives an operational order, and it is from channel radio to detect the operational order Letter interface is arrived, and just can determine that not the first application activating is instructed (by the instruction of key-press input) operational order, and It is that card reader is sent from first terminal, and according to the identification information carried in the operational order, the form of operational order, behaviour Making the instruction description information such as the length that instructs identifies the type of operational order (for example, card seeking is instructed, and in subsequent step Using acquisition instruction, transaction request).Thus, can in the description information that the instruction description information of operational order instructs for card seeking To identify that the card seeking that the operational order is inputted as first terminal by the wireless communication interface of the multi-application smart card is instructed. In specific implementation process, in the case of terminal of the first terminal to support NFC communication, first terminal is referred to by sending card seeking The multi-application smart card for the support NFC communication being located in self electromagnetism is found in order, if the channel radio of the multi-application smart card Believe that interface supports NFC communication, multi-application smart card just can receive the card seeking instruction of first terminal transmission, then many applications Smart card returns to a card seeking to first terminal and responded, to indicate that first terminal presence in its electromagnetic field can support NFC to lead to The smart card of letter, and wireless communication connection is set up with first terminal, if the wireless communication interface of the multi-application smart card is not propped up NFC communication is held, then does not return to card seeking response to first terminal.It is the terminal of support WIFI or Bluetooth communication in first terminal In the case of, card seeking process is referred to the card seeking process of the example above, and this is no longer going to repeat them.

In the present embodiment, step S101 and step S102 execution sequence is in no particular order., can in specific implementation process To first carry out step S101, then step S102 is performed, i.e., application selection is first completed on multi-application smart card, in many application intelligence Just enter after the application of card activation first in the magnetic field of first terminal, first terminal carries out card seeking operation and built with multi-application smart card again Vertical communication connection；Step S102 can also be first carried out, then performs step S101, i.e. multi-application smart card and is introduced into first terminal Magnetic field, first terminal carries out card seeking operation and set up with multi-application smart card after communication connection, then is completed on multi-application smart card Using selection.

So far, multi-application smart card has just been completed before the communication interaction related with transaction is carried out to first terminal The activation manipulation of application, in order to first terminal to multi-application smart card send application obtain instruction after, multi-application smart card The relevant information of the currently active application can be directly returned to first terminal, i.e., once interacting first terminal just can complete to answer With selection, without as prior art, multi-application smart card is after the application for receiving first terminal obtains instruction, to first Terminal returns to the information of whole applications of multi-application smart card, points out user to operate selection to apply on first terminal, and first eventually The application that user selects is back to multi-application smart card by end again, indicates that multi-application smart card activates the application of user selection, I.e. multi-application smart card needs repeatedly to be interacted with first terminal, could complete using selection.As can be seen here, in the present embodiment The method of offer can reduce the interaction times of multi-application smart card and first terminal, and shorten transaction flow, improve transaction The efficiency of operation.

S103, first terminal receives card seeking response, and sending application to multi-application smart card obtains instruction.

In the present embodiment, using obtain instruction be used to refer to multi-application smart card to first terminal return be currently at it is sharp The identification information of the application of state living.

S104, multi-application smart card receives the application inputted by wireless communication receiver and obtained after instruction, to first eventually Hold and return to application acquisition response, using the identification information that the application for being currently at state of activation is at least carried in acquisition response.

It is similar to the identification of operational order with step S102, in this step, according to the instruction description of operational order Information, it is that application obtains instruction that can identify the operational order arrived by wireless communication receiver.Multi-application smart card is received should With obtaining after instruction, return to application to first terminal and obtain response, activation is currently at using obtaining at least to carry in response The identification information of the application of state, thus, first terminal, which can be obtained, is currently at answering for state of activation in multi-application smart card Identification information, and to multi-application smart card initiate for be currently at state of activation application transaction flow.

In the present embodiment, during being traded using multi-application smart card, there is situations below, for example, with Family activation multi-application smart card first apply (such as Construction Bank's application), then by multi-application smart card close to card reader such as After POS, it is not desired to temporarily using the first application, has been switched to the second application (other application beyond the first application, such as industrial and commercial bank Using), for such case, as an optional embodiment of the embodiment of the present invention, first is activated in multi-application smart card After, before application acquisition response is returned to first terminal, the method that the present embodiment is provided can also include：Many applications Smart card receives the second application activating instruction for the key-press input that user passes through the multi-application smart card, and second application swashs Instruction living at least includes the configured information of the application of activation second, is identifying that the instruction of the second application activating is defeated by button for user After the instruction entered, deactivating operation is carried out to the first application, and activates second applying.Pass through the optional embodiment, Ke Yi The switching between different application is realized on multi-application smart card, and avoids different applications while activating and producing and interfere.

In the present embodiment, the second application can be that at least one in the multiple applications installed in multi-application smart card should With the second application can be the application for being different from the first application, for example, the instruction of the second application activating can include activation identity card The configured information of application is to activate identity card application.Thus, it is possible to by carrying to be activated in the instruction of the second application activating Second application identification information with indicate multi-application smart card activate this second application.In order to avoid mutual between different application The same time can only have an application to be active in interference, multi-application smart card, therefore, and multi-application smart card is in identification , it is necessary to first should to being currently at the first of state of activation after the instruction that the instruction of second application activating passes through key-press input for user With deactivating operation is carried out, reactivation second is applied.

S105, first terminal receive application obtain response, according to the identification information for the application for being currently at state of activation to Multi-application smart card initiates the transaction request of the application for being currently at state of activation, and transaction request at least includes transaction letter Breath.

In the present embodiment, Transaction Information can include：Type of transaction, dealing money, paying party accounts information, beneficiary Accounts information etc., is not especially limited in the present embodiment.

As an optional embodiment of the embodiment of the present invention, first terminal is according to the application for being currently at state of activation Identification information to multi-application smart card initiate for be currently at state of activation application transaction request, including：First eventually The identification information for being obtained from application and the application for being currently at state of activation being obtained in response is held, and according to being currently at state of activation Application identification information judgment be currently at state of activation application whether be first terminal support application, if it is, Initiated according to the identification information for the application for being currently at state of activation to multi-application smart card for being currently at state of activation The transaction request of application.Whether first terminal is first by the application for judging to be currently at state of activation in multi-application smart card The application that terminal is supported, and then decide whether to be traded, only in the case of support, just it is traded, if it does not, Follow-up transaction flow (being not carried out step S106-S107) is then not carried out, therefore, it is possible to terminate what is do not supported in time Transaction, saves the interactive operation of follow-up first terminal and multi-application smart card, saves the money of first terminal and multi-application smart card Source expense.

S106, multi-application smart card receives transaction request, points out Transaction Information, and confirm that Transaction Information is correct receiving Trade confirmation instruction after, trade confirmation response is sent to first terminal.

It is similar to the identification of operational order with step S102, in this step, according to the instruction description of operational order Information, can identify that the operational order that arrives arrived by wireless communication receiver is transaction request.In this step, many application intelligence Clamping is received after transaction request, can point out Transaction Information by display screen display mode or voice broadcasting modes, user confirms After Transaction Information is correct, it can be instructed by key-press input trade confirmation, by confirming to Transaction Information, it is ensured that Yong Hujiao Easy safety.Specifically, after multi-application smart card prompting Transaction Information, having detected whether that button is pressed, if so, then recognizing quilt The key assignments for the button pressed, determines whether it is trade confirmation instruction, if it is, thinking to have received use according to the key assignments of acquisition The trade confirmation instruction of family input.In addition, the security in order to further improve transaction, prevents multi-application smart card after powering Loss causes damage, and the concrete mode of input trade confirmation instruction can also input transaction PIN for user to multi-application smart card Code or the fingerprint for providing user, only the transaction PIN code of user's input or the finger print identifying of user pass through, and show that input is handed over After easily confirming that the user identity of instruction is legal, multi-application smart card could send trade confirmation response to first terminal.

S107, first terminal is received after trade confirmation response, carries out follow-up transactional operation.

In the present embodiment, the relevant information confirmed to Transaction Information can be at least included in trade confirmation response. First terminal is received after trade confirmation response, and follow-up transactional operation can include：First terminal is recombinated Transaction Information After send to background server, background server is completed to merchandise according to Transaction Information, and transaction results are sent to first terminal, First terminal sends transaction results to multi-application smart card.

The multi-application smart card method of commerce provided by the present embodiment, multi-application smart card is without outside first Terminal is that selection, the activation of application can be achieved, set up and communicated to connect by card seeking process and first terminal, and based on being activated It is traded using with first terminal, reduces the complexity of transaction flow, improves the efficiency of transactional operation.

In the present embodiment, if hacker is attacked smart card, forge transaction request and send the transaction request To smart card, response transaction is asked and completes transaction by smart card, therefore in order to prevent the transaction illegally applied, is used as the present invention The mark letter for the application for being currently at state of activation is at least carried in one optional embodiment of embodiment, transaction request Breath；After multi-application smart card receives transaction request, before trade confirmation response is sent to first terminal, the present embodiment The method of offer also includes：Judge that what is carried in transaction request is currently at the identification information of the application of state of activation and many applications Whether the identification information of the currently active application of smart card matches, and sends trade confirmation response to first if it is, performing The operation of terminal.By judging that what is carried in transaction request is currently at the identification information of the application of state of activation with applying intelligence more Whether the identification information that the currently active application can be blocked matches, and can interpolate that the application that transaction request is initiated in multi-application smart card It is whether identical with the current application for performing transaction, prevent hacker from forging the identified attacks smart card of application activating, illegally should prevent Transaction, protects the account safety of user.

In the optional embodiment, if what is carried in transaction request is currently at the mark letter of the application of state of activation Breath and the identification information of the currently active application of multi-application smart card are mismatched, and can terminate transaction, multi-application smart card may be used also To return to Fail Transaction response to first terminal, the first terminal, which receives the transaction, to be stopped after response, stops follow-up Transactional operation.

As an optional embodiment of the embodiment of the present invention, the multi-application smart card counterparty provided in the present embodiment In the arbitrary steps of method, the download that may be employed program is installed, and the download of application program, which is installed, to be included：Many application intelligence Block the application download request for being sent to second terminal and downloading the 3rd application；Second terminal receives and applies download request, will apply down Request is carried to send to server；Server response application download request, by the 3rd using corresponding application load information send to Second terminal；Second terminal receives and applies load information, will be sent using load information to multi-application smart card；Many application intelligence Clamping, which is received, applies load information, and loading the 3rd is applied.By the optional embodiment, under the application for realizing multi-application smart card Carry, install.

In the optional embodiment, second terminal can be the terminals different from first terminal, can also be with first eventually Hold as same terminal.Specifically, second terminal can be mobile terminal, PC, tablet personal computer, transaction terminal etc..Using download The 3rd identification information applied that multi-application smart card asks to download can at least be included in request.Server receives second terminal , can be with response application download request after the application download request of forwarding, will be using the corresponding application load information hair of download request Second terminal is delivered to, wherein, it can include application code using load information.

So that multi-application smart card is java cards as an example, using downloading, installation process is as follows, and server receives application download please After asking, the identification information for the application for asking to download according to the multi-application smart card carried in application download request obtains application Java codes, are class files by java code conversions, class files further are converted into cap files, and by cap files Send to second terminal, cap files are converted to Application Protocol Data Unit APDU files by second terminal, and APDU is literary Part is forwarded to multi-application smart card, and multi-application smart card installs application program according to APDU files.

In the present embodiment, during being traded using multi-application smart card, there is situations below, for example, with The first of family activation multi-application smart card completes the first transaction (including step using (such as Construction Bank's application) in POS Rapid S101 to step S107) after, it is necessary to for be active the 4th application (other application beyond the first application, Such as agricultural bank's application) the second transaction is carried out, for such case, it is used as an optional embodiment party of the embodiment of the present invention Formula, after the follow-up transactional operation that first terminal completes the first transaction, the method that the present embodiment is provided can also include： Multi-application smart card receives the 3rd application activating instruction for the key-press input that user passes through the multi-application smart card, and the 3rd should At least include the configured information of the application of activation the 4th with activation instruction, answer being currently at state of activation in multi-application smart card With carrying out deactivating operation, and activate the 4th and apply；First terminal sends application to multi-application smart card and obtains instruction；Many applications Smart card receives the application inputted by wireless communication receiver and obtains instruction, and returning to application to first terminal obtains response, should The identification information that the application for being currently at state of activation is at least carried in response with obtaining；First terminal, which receives application and obtained, to be rung Should, initiated according to the identification information for the application for being currently at state of activation to multi-application smart card for being currently at state of activation Application transaction request, transaction request at least include Transaction Information；Multi-application smart card is received by wireless communication receiver The transaction request of input, points out Transaction Information, and after the correct trade confirmation instruction of confirmation Transaction Information is received, will merchandise Confirm that response is sent to first terminal；First terminal is received after trade confirmation response, carries out follow-up transactional operation.Can by this Embodiment is selected, can again be carried out using switching, and based on the 4th application activated after switching after the first transaction completion Complete the second transaction.The detailed process that multi-application smart card carries out the second transaction may refer to multi-application smart card and carry out the The process of one transaction, will not be repeated here.

Embodiment 2

A kind of multi-application smart card transaction system is present embodiments provided, as described in Figure 2, the transaction system includes：More should With smart card 21 and first terminal 22.

Multi-application smart card 21, the first application for receiving the key-press input that user passes through the multi-application smart card Activation instruction, the first application activating instruction at least includes the configured information of the application of activation first, and activation first is applied；Apply intelligence more 21 can be blocked, be additionally operable to receive the card seeking instruction that first terminal is inputted by the wireless communication interface of the multi-application smart card, Card seeking response is returned to first terminal 22, and communication connection is set up with first terminal 22；First terminal 22, rings for receiving card seeking Should, send application to multi-application smart card 21 and obtain instruction；Multi-application smart card 21, is additionally operable to receive and is connect by radio communication The application for receiving input obtains instruction, and returning to application to first terminal 22 obtains response, works as using obtaining at least to carry in response Before the identification information of application that is active；First terminal 22, is additionally operable to receive application and obtains response, according to being currently at The identification information of the application of state of activation initiates the transaction of the application for being currently at state of activation to multi-application smart card 21 Request, transaction request at least includes Transaction Information；Multi-application smart card 21, is additionally operable to receive and is inputted by wireless communication receiver Transaction request, Transaction Information is pointed out, and after receiving and confirming the instruction of Transaction Information correct trade confirmation, by trade confirmation Response is sent to first terminal 22；First terminal 22, is additionally operable to receive after trade confirmation response, carries out follow-up transactional operation.

The multi-application smart card transaction system provided by the present embodiment, multi-application smart card 21 is without outside the One terminal 22 is that selection, the activation of application can be achieved, and is set up and communicated to connect by card seeking process and first terminal 22, and based on institute The application of activation is traded with first terminal 22, reduces the complexity of transaction, improves the efficiency of transactional operation.

In the present embodiment, in the present embodiment, multi-application smart card receives an operational order, it can be determined that the operation Instruction is inputted by key-press input or by wireless communication interface, is judging it is after the operational order of key-press input, if parsing The configured information that the application of activation first is carried in the operational order is obtained, then can identify that the operational order passes through for user The first application activating instruction of the key-press input of multi-application smart card, wherein, the application that first application currently selects for user.

Multi-application smart card 21 refers to apply by downloading, installing, and realizes the smart card of a variety of difference in functionalitys.First Using that can be at least one application in multi-application smart card 21 in multiple applications for installing, for example, multi-application smart card 21 In be provided with mass transit card application, identity card application, bank card application, access card using 4 application, the first application activating instruction can To activate mass transit card application including activating the configured information of mass transit card application.Thus, it is possible to by the first application activating The identification information of the first application to be activated is carried in instruction to indicate that multi-application smart card 21 activates what the identification information was indicated Using., can be by java when the multi-application smart card 21 that the present embodiment is provided is java smart cards in specific implementation process The operational order that virtual machine (Java Virtual Machine, abbreviation JVM) identification is received is arrived by which kind of interface , and recognize which kind of instruction operational order is, for example, can identify that operational order is the button from multi-application smart card 21 What input interface was either received from wireless communication interface, multi-application smart card 21 is at least defeated including button in the present embodiment Incoming interface and wireless communication interface, wherein, can be with when it is from key-press input that multi-application smart card 21, which detects operational order, Recognize the instruction instruct for the first application activating (and hereinafter mention the instruction of the second application activating, the 3rd application activating refers to Order, i.e., by the instruction for being used to activate respective application of key-press input).In the present embodiment, multi-application smart card 21 is wireless Communication interface can connect for WIFI interface, blue tooth interface, near-field communication (Near Field Communication, abbreviation NFC) Mouthful etc., it is not especially limited in the present embodiment.

In actual use, multi-application smart card 21 can shut down to save electricity after the completion of use, again Using during multi-application smart card 21, it is necessary to first start could use, therefore, be used as an optional embodiment party of the embodiment of the present invention Formula, multi-application smart card 21 is additionally operable to before the instruction of the first application activating is received, and receives start-up command, and upper electricity completes system Finally activated before the initialization of system, the system application of activation multi-application smart card 21 or default application or last shutdown Using.By the optional embodiment, ensure that after the power-up initializing of multi-application smart card 21 has one to be active Application.

In specific implementation process, if this time start is the first time start after the hair fastener of multi-application smart card 21, now System application is only installed, multi-application smart card 21 is completed after system initialization, activation for upper electricity in multi-application smart card 21 System application, wherein, system application is being used for of installing in multi-application smart card 21 to realize the work(such as download, the management of application program The application of energy.Default application refers to that multi-application smart card 21 gives tacit consent to the application in activated state after starting shooting, and user can be by most Conventional application is set to default application so that the most frequently used application is to be active after start, reduces user and is using The number of times of application selection is carried out during multi-application smart card 21.In specific implementation process, user can set as needed Put which kind of in the application finally activated before the application of activation system after power-up initializing or default application or last shutdown Using.

In specific implementation process, if before multi-application smart card 21 receives the instruction of the first application activating, many applications Smart card 21 is the application finally activated before default application state of activation or system application activating state or last shutdown State of activation, then multi-application smart card 21, are additionally operable to recognizing that the instruction of the first application activating is to apply selection instruction (i.e. instruction Include activation first application configured information) after, activation first application before, to default application or system application or The application finally activated before last time shutdown carries out deactivating operation.Deactivation refers to application by state of activation being changed into not State of activation.The first application that reactivation user after deactivating operation selects is carried out to the application for being currently at activated state, it is to avoid Different multiple applications are active causing the response of multi-application smart card 21 failure or mistake simultaneously.

In order to prevent multi-application smart card 21 from being used by disabled user, an optional embodiment party of the embodiment of the present invention is used as Formula, multi-application smart card 21, be additionally operable to receive start-up command after, before the initialization of upper electric completion system, first to Family carries out authentication.In specific implementation process, multi-application smart card 21 after start-up command is received, is displayed for Authentication interface, points out user to carry out authentication, the authentication of only user passes through, in the ability of multi-application smart card 21 The initialization of electric completion system, prevents multi-application smart card 21 from being used by disabled user, causes the loss of user.Many application intelligence Whether the concrete mode that card 21 is used to carry out authentication can correct for the PIN code of checking user's input, or checking user Biological information (for example, fingerprint, pulse etc.) whether match.If the PIN code of input is correct or biological information Matching, then authentication passes through, and otherwise authentication does not pass through.

As a kind of optional embodiment of the embodiment of the present invention, multi-application smart card 21 is additionally operable in activation first After, the list of application of multi-application smart card 21 is shown on a display screen, and the list of application is pacified including multi-application smart card 21 The list item of one or more applications of dress, the content of the list item includes the application description such as application identities, Apply Names, application state Information, and the list item of the first application and the list item of non-selected application that active user is selected distinctly displayed (for example, by user Selection first application list item overstriking, or add shade show), facilitate user know activation first application specifically why Plant the information such as application and application state.

In the present embodiment, first terminal 22 can be the equipment (for example, card reader) with card-reading function, for reading Multi-application smart card 21.First terminal 22, can be used for broadcast card seeking instruction (the i.e. second instruction), enters to search card , after multi-application smart card 21 enters the electromagnetic field of first terminal 22, the card seeking that just can receive the first terminal 22 refers to Order, and card seeking response is returned to first terminal 22, communicated to connect to be set up with first terminal 22.Multi-application smart card 21 is received To an operational order, detect the operational order and received from wireless communication interface, just can determine the operational order Not the first application activating is instructed (by the instruction of key-press input), but sent from first terminal 22 i.e. card reader, and according to The instruction description information such as the identification information, the form of operational order, the length of operational order that are carried in the operational order are identified The type of operational order (for example, card seeking is instructed, and the application in subsequent step obtains instruction, transaction request).Thus, in behaviour When making the description information that instruction description information instructs for card seeking instructed, it can identify that the operational order passes through for first terminal The card seeking instruction of the wireless communication interface input of the multi-application smart card.In specific implementation process, it is in first terminal 22 In the case of the terminal for supporting NFC communication, first terminal 22 can be used for being located at self electromagnetism by sending card seeking instruction and finding The multi-application smart card 21 of support NFC communication in, if the wireless communication interface of the multi-application smart card 21 supports NFC to lead to Letter, multi-application smart card 21 just can receive first terminal 22 transmission card seeking instruction, then the multi-application smart card 21 to First terminal 22 returns to a card seeking response, to indicate that the presence in its electromagnetic field of first terminal 22 can support NFC communication Smart card, and wireless communication connection is set up with first terminal 22, if the wireless communication interface of the multi-application smart card 21 is not propped up NFC communication is held, card seeking response is not returned to first terminal 22.In terminal of the first terminal 22 for support WIFI or Bluetooth communication In the case of, card seeking process is referred to the card seeking process of the example above, and this is no longer going to repeat them.

In the present embodiment, multi-application smart card receives an operational order by wireless communication interface, is referred to according to operation The instruction description information of order, it is that application obtains instruction that can identify the operational order arrived by wireless communication receiver.Using obtaining Instruction fetch is used to refer to the identification information that multi-application smart card 21 returns to the application for being currently at state of activation to first terminal 22, The identification information of the application for being currently at state of activation is at least carried in response using obtaining, thus, first terminal 22 can be with Transaction for initiating from the application for being currently at state of activation to multi-application smart card 21.

In the present embodiment, during being traded using multi-application smart card 21, there is situations below, for example, The first of user's activation multi-application smart card 21 applies (such as Construction Bank's application), then by multi-application smart card 21 close to Card Reader After device such as POS, be not desired to temporarily using the first application, be switched to the second application (other application beyond the first application, it is such as industrial and commercial Bank application), for such case, as an optional embodiment of the embodiment of the present invention, multi-application smart card 21 is also used In after the application of activation first, before application acquisition response is returned to first terminal 22, the instruction of the second application activating is received, The instruction of second application activating at least includes the configured information of the application of activation second, is identifying that the instruction of the second application activating is user After the instruction of key-press input, deactivating operation is carried out to the first application, and activates second applying.Pass through the optional embodiment party Formula, can realize the switching between apply, and avoid different applications while activating and producing phase more on multi-application smart card 21 Mutually interference.

In the present embodiment, the second application can be at least one in the multiple applications installed in multi-application smart card 21 Using the second application can be the application for being different from the first application, for example, the instruction of the second application activating can include activation identity The configured information of application is demonstrate,proved to activate identity card application.Thus, it is possible to wait to swash by carrying in the instruction of the second application activating The identification information of second application living is to indicate the activation of multi-application smart card 21 second application.In order to avoid mutual between application The same time can only have an application to be active in interference, multi-application smart card 21, and therefore, multi-application smart card 21 exists Recognize the second application activating instruction be application selection instruction after, it is necessary to first to be currently at state of activation first application carry out Deactivating operation, reactivation second is applied.

As an optional embodiment of the embodiment of the present invention, first terminal 22 is additionally operable to basis and is currently at activation The identification information of the application of state initiates the transaction request of the application for being currently at state of activation to multi-application smart card 21, Including：First terminal 22, is additionally operable to obtain the identification information for obtaining the application for being currently at state of activation in response from application, and Whether the application that state of activation is currently at according to the identification information judgment for the application for being currently at state of activation is first terminal 22 applications supported, if it is, being sent out according to the identification information for the application for being currently at state of activation to multi-application smart card 21 Play the transaction request of the application for being currently at state of activation.First terminal 22 is current in multi-application smart card 21 by judging Whether the application being active is the application of the support of first terminal 22, and then decides whether to be traded, and is only supporting In the case of, just it is traded, if it does not, follow-up transaction flow is then not carried out, therefore, it is possible to terminate in time not The transaction of support, saves the interactive operation of follow-up first terminal 22 and multi-application smart card 21, saves first terminal 22 and more should With the resource of smart card 21.

In the present embodiment, multi-application smart card receives an operational order by wireless communication interface, is referred to according to operation The instruction description information of order, it is transaction request that can identify the operational order arrived by wireless communication receiver.Many application intelligence Card 21, can be used for pointing out Transaction Information by display screen display mode or voice broadcasting modes, user confirms Transaction Information After correct, it can be instructed by key-press input trade confirmation.Specifically, multi-application smart card 21, can be used in prompting transaction After information, detect whether that button is pressed, if so, then recognizing the key assignments for the button being pressed, determined according to the key assignments of acquisition Whether it is trade confirmation instruction, if it is, thinking to have received the trade confirmation instruction of user's input.In addition, in order to enter one Step improves the security of transaction, prevents multi-application smart card 21 is lost after powering from causing damage, input trade confirmation instruction Concrete mode can also input transaction PIN code to multi-application smart card 21 for user or provide the fingerprint of user, only user The transaction PIN code of input or the finger print identifying of user pass through, many after showing that the user identity for inputting trade confirmation instruction is legal Trade confirmation response could be sent using smart card 21 to first terminal 22.

In the present embodiment, the relevant information confirmed to Transaction Information can be at least included in trade confirmation response. First terminal 22, can be also used for after trade confirmation response is received, and be sent after Transaction Information is recombinated to backstage clothes Business device；Background server, for being completed to merchandise according to Transaction Information, and transaction results is sent to first terminal 22；First eventually End 22, is additionally operable to send transaction results to multi-application smart card 21.

In the present embodiment, if hacker is attacked smart card, forge transaction request and send the transaction request To smart card, response transaction is asked and completes transaction by smart card, therefore in order to prevent the transaction illegally applied, is used as the present invention The mark letter for the application for being currently at state of activation is at least carried in one optional embodiment of embodiment, transaction request Breath；Multi-application smart card 21, be additionally operable to receive transaction request after, by trade confirmation response send to first terminal 22 it Before, the identification information for the application of state of activation that judges that what is carried in transaction request be currently at currently swashs with multi-application smart card 21 Whether the identification information of application living matches, and is sent if it is, performing and responding trade confirmation to the operation of first terminal 22. It is current by the identification information and multi-application smart card 21 for the application of state of activation that judges that what is carried in transaction request be currently at Whether the identification information of the application of activation matches, can interpolate that in multi-application smart card 21 initiate transaction request application with it is current Whether the application for performing transaction is identical, prevents hacker from forging the identified attacks multi-application smart card 21 of application activating, prevents illegal The transaction of application, protects the account safety of user.

In the optional embodiment, if what is carried in transaction request is currently at the mark letter of the application of state of activation Breath and the identification information of the currently active application of multi-application smart card 21 are mismatched, and system can terminate transaction, many application intelligence Card 21, can be also used for returning to Fail Transaction response to first terminal 22, first terminal 22 can be also used for receiving Fail Transaction Response, stops follow-up transactional operation.

As an optional embodiment of the embodiment of the present invention, as shown in figure 3, the system that provides of the present embodiment can be with Including：Second terminal 23 and server 24；Multi-application smart card 21, is additionally operable to send to second terminal 23 and downloads the 3rd application Using download request；Second terminal 23, applies download request for receiving, will be sent using download request to server 24；Clothes Business device 24, for response application download request, the 3rd is sent to second terminal 23 using corresponding application load information；Second Terminal 23, is additionally operable to reception application load information, will be sent using load information to multi-application smart card 21；Multi-application smart card 21, reception application load information is additionally operable to, loading the 3rd is applied.By the optional embodiment, multi-application smart card 21 is realized Application download, install.

In the optional embodiment, second terminal 23 can be the terminals different from first terminal 22, can also be with One terminal 22 is same terminal.Specifically, second terminal 23 can be mobile terminal, PC, tablet personal computer, transaction terminal etc.. Using the identification information for the 3rd application that can at least include the request download of multi-application smart card 21 in download request.Server 24 Receive after the application download request that second terminal 23 is forwarded, can be with response application download request, will be corresponding using download request Sent using load information to second terminal 22, wherein, it can include application code using load information.

By multi-application smart card 21 be java cards exemplified by, server 24, for receive application download request after, according to answer The identification information for the application downloaded with the request of multi-application smart card 21 carried in download request obtains the java codes of application, will Java code conversions are class files, class files further are converted into cap files, and cap files are sent to second Terminal 23；Second terminal 23, for cap files to be converted into Application Protocol Data Unit APDU files, and APDU is literary Part is forwarded to multi-application smart card 21；Multi-application smart card 21, for installing application program according to APDU files.

In the present embodiment, during being traded using multi-application smart card 21, there is situations below, for example, User activation multi-application smart card 21 first using (such as Construction Bank's application) completed in POS the first transaction it Afterwards, it is necessary to be carried out for the 4th application (other application beyond the first application, such as agricultural bank's application) being active Second transaction, for such case, as an optional embodiment of the embodiment of the present invention, multi-application smart card 21 is gone back Intelligence is applied for after the follow-up transactional operation that first terminal 22 completes the first transaction, receiving user by described more The 3rd application activating instruction for the key-press input that can block, the 3rd application activating instruction at least includes the instruction letter that activation the 4th is applied Breath；Deactivating operation is carried out to the application that state of activation is currently in multi-application smart card 21, and activates the 4th applying；First Terminal 22, is additionally operable to send application acquisition instruction to multi-application smart card 21；Multi-application smart card 21, is additionally operable to receive and passes through The application of wireless communication receiver input, which is obtained, to be instructed, and obtains response to the return application of first terminal 22, in being responded using acquisition extremely The identification information for the application for being currently at state of activation is carried less；First terminal 22, is additionally operable to receive application acquisition response, root Transaction request is initiated to multi-application smart card 21 according to the identification information for the application for being currently at state of activation, transaction request is at least wrapped Include Transaction Information；Multi-application smart card 21, is additionally operable to receive the transaction request inputted by wireless communication receiver, points out transaction Information, and after the correct trade confirmation instruction of confirmation Transaction Information is received, trade confirmation response is sent to first terminal 22； First terminal 22, is additionally operable to receive trade confirmation response, carries out follow-up transactional operation., can be with by the optional embodiment Carried out again using switching after the first transaction completion, and the second transaction is completed based on the 4th application activated after switching. The second transaction process of multi-application smart card transaction system progress may refer to multi-application smart card transaction system and carry out the first stroke The process of transaction, will not be repeated here.

Any process described otherwise above or method description are construed as in flow chart or herein, represent to include Module, fragment or the portion of the code of one or more executable instructions for the step of realizing specific logical function or process Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not be by shown or discussion suitable Sequence, including according to involved function by it is basic simultaneously in the way of or in the opposite order, carry out perform function, this should be of the invention Embodiment person of ordinary skill in the field understood.

It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned In embodiment, the software that multiple steps or method can in memory and by suitable instruction execution system be performed with storage Or firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware Any one of row technology or their combination are realized：With the logic gates for realizing logic function to data-signal Discrete logic, the application specific integrated circuit with suitable combinational logic gate circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..

Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method is carried Rapid to can be by program to instruct the hardware of correlation to complete, described program can be stored in a kind of computer-readable storage medium In matter, the program upon execution, including one or a combination set of the step of embodiment of the method.

In addition, each functional unit in each embodiment of the invention can be integrated in a processing module, can also That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould Block can both be realized in the form of hardware, it would however also be possible to employ the form of software function module is realized.The integrated module is such as Fruit is realized using in the form of software function module and as independent production marketing or in use, can also be stored in a computer In read/write memory medium.

Storage medium mentioned above can be read-only storage, disk or CD etc..

In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means to combine specific features, structure, material or the spy that the embodiment or example are described Point is contained at least one embodiment of the present invention or example.In this manual, to the schematic representation of above-mentioned term not Necessarily refer to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be any One or more embodiments or example in combine in an appropriate manner.

Although embodiments of the invention have been shown and described above, it is to be understood that above-described embodiment is example Property, it is impossible to limitation of the present invention is interpreted as, one of ordinary skill in the art is not departing from the principle and objective of the present invention In the case of above-described embodiment can be changed within the scope of the invention, change, replace and modification.The scope of the present invention By appended claims and its equivalent limit.

Claims

1. a kind of multi-application smart card method of commerce, it is characterised in that including：

The first application activating that the multi-application smart card receives the key-press input that user passes through the multi-application smart card refers to Order, the first application activating instruction at least includes the configured information of the application of activation first, activates first application；

The multi-application smart card receives first terminal and passes through seeking that the wireless communication interface of the multi-application smart card is inputted After card instruction, card seeking response is returned to the first terminal, and communicate to connect with first terminal foundation；

The first terminal receives the card seeking response, and sending application to the multi-application smart card obtains instruction；

The multi-application smart card receives the application inputted by the wireless communication receiver and obtained after instruction, to described First terminal returns to application and obtains response, and the application, which is obtained, at least carries the application that is currently at state of activation in response Identification information；

The first terminal receives the application and obtains response, according to the identification information of the application for being currently at state of activation The transaction request for the application for being currently at state of activation is initiated to the multi-application smart card, the transaction request is extremely Include Transaction Information less；

The multi-application smart card is received after the transaction request inputted by the wireless communication receiver, points out described hand over Easy information, and after the correct trade confirmation instruction of the confirmation Transaction Information is received, trade confirmation response is sent to institute State first terminal；

The first terminal is received after the trade confirmation response, carries out follow-up transactional operation.

2. according to the method described in claim 1, it is characterised in that

The identification information that the first terminal is currently at the application of state of activation according to is sent out to the multi-application smart card The transaction request for the application for being currently at state of activation is played, including：

The first terminal obtains the identification information for the application for being currently at state of activation in response described in acquisition from the application, And be currently at according to the identification information judgment of the application for being currently at state of activation state of activation application whether For the first terminal support application, if it is, according to the identification information of the application for being currently at state of activation to The multi-application smart card initiates the transaction request for the application for being currently at state of activation.

3. method according to claim 1 or 2, it is characterised in that

After multi-application smart card activation first application, response is obtained returning to application to the first terminal Before, methods described also includes：

The second application activating that the multi-application smart card receives the key-press input that user passes through the multi-application smart card refers to Order, the second application activating instruction at least includes the configured information of the application of activation second；Described first application is deactivated Operation living, and activate second application.

4. method according to claim 3, it is characterised in that

The identification information of the application for being currently at state of activation is at least carried in the transaction request；

After the multi-application smart card receives the transaction request, sent by trade confirmation response to described first Before terminal, methods described also includes：

Judge that the identification information of the application for being currently at state of activation carried in the transaction request is applied more with described Whether the identification information of the currently active application of smart card matches, and sends trade confirmation response extremely if it is, performing The operation of the first terminal.

5. the method according to any one of Claims 1-4, it is characterised in that methods described also includes：

The multi-application smart card sends the application download request for downloading the 3rd application to second terminal；

The second terminal receives the application download request, and the application download request is sent to server；

The server responds the application download request, and the described 3rd is sent to described using corresponding application load information Second terminal；

The second terminal receives the application load information, and the application load information is sent to many application intelligence Card；

The multi-application smart card receives the application load information, loads the 3rd application.

6. a kind of multi-application smart card transaction system, it is characterised in that including：Multi-application smart card and first terminal；

The multi-application smart card, the first application activating for receiving the key-press input that user passes through the multi-application smart card Instruction, the first application activating instruction at least includes the configured information of the application of activation first, activates first application；

The multi-application smart card, is additionally operable to receive wireless communication interface input of the first terminal by the multi-application smart card Card seeking instruction after, to the first terminal return card seeking response, and with the first terminal set up communicate to connect；

The first terminal, for receiving the card seeking response, sends application to the multi-application smart card and obtains instruction；

The multi-application smart card, is additionally operable to receive the application acquisition instruction inputted by the wireless communication receiver Afterwards, return to application to the first terminal and obtain response, the application, which obtains at least to carry in response, is currently at activation shape The identification information of the application of state；

The first terminal, is additionally operable to receive the application acquisition response, according to the application for being currently at state of activation Identification information initiates the transaction request for the application for being currently at state of activation, the friendship to the multi-application smart card Easily request at least includes Transaction Information；

The multi-application smart card, is additionally operable to receive after the transaction request inputted by the wireless communication receiver, carries Show the Transaction Information, and after the correct trade confirmation instruction of the confirmation Transaction Information is received, trade confirmation is responded Send to the first terminal；

The first terminal, is additionally operable to receive after the trade confirmation response, carries out follow-up transactional operation.

7. system according to claim 6, it is characterised in that

The first terminal, the identification information for being additionally operable to be currently at the application of state of activation according to applies intelligence more to described The transaction request initiated for the application for being currently at state of activation can be blocked, including：

The first terminal, is additionally operable to obtain the mark for the application for being currently at state of activation in response described in acquisition from the application Know information, and be currently at according to the identification information judgment of the application for being currently at state of activation state of activation should With whether being application that the first terminal is supported, if it is, according to the mark of the application for being currently at state of activation Information initiates the transaction request for the application for being currently at state of activation to the multi-application smart card.

8. the system according to claim 6 or 7, it is characterised in that

The multi-application smart card, is additionally operable to after first application is activated, is obtained returning to application to the first terminal Before taking response, the second application activating instruction for the key-press input that user passes through the multi-application smart card is received, described the The instruction of two application activatings at least includes the configured information of the application of activation second；Deactivating operation is carried out to the described first application, and Activate second application.

9. system according to claim 8, it is characterised in that described be currently at least is carried in the transaction request The identification information of the application of state of activation；

The multi-application smart card, is additionally operable to after the transaction request is received, and is sent extremely by trade confirmation response Before the first terminal, the identification information of the application for being currently at state of activation carried in the transaction request is judged Whether the identification information of the application the currently active with the multi-application smart card matches, if it is, performing the transaction is true Recognize response to send to the operation of the first terminal.

10. the system according to any one of claim 6 to 9, it is characterised in that the system also includes：Second terminal and Server；

The multi-application smart card, is additionally operable to send the application download request for downloading the 3rd application to the second terminal；

The second terminal, for receiving the application download request, the application download request is sent to the server；

The server, for responding the application download request, the described 3rd corresponding application load information of application is sent To the second terminal；

The second terminal, is additionally operable to receive the application load information, and the application load information is sent to described and more should Use smart card；

The multi-application smart card, is additionally operable to receive the application load information, loads the 3rd application.