CN108898384A - A kind of digital wallet and its application method - Google Patents

A kind of digital wallet and its application method Download PDF

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Publication number
CN108898384A
CN108898384A CN201810737300.6A CN201810737300A CN108898384A CN 108898384 A CN108898384 A CN 108898384A CN 201810737300 A CN201810737300 A CN 201810737300A CN 108898384 A CN108898384 A CN 108898384A
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CN
China
Prior art keywords
account
micro
control unit
communication unit
safety chip
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Pending
Application number
CN201810737300.6A
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Chinese (zh)
Inventor
巨琳辉
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SHENZHEN SILONE TONGHUI TECHNOLOGY Co Ltd
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SHENZHEN SILONE TONGHUI TECHNOLOGY Co Ltd
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Publication date
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Priority to CN201810737300.6A priority Critical patent/CN108898384A/en
Publication of CN108898384A publication Critical patent/CN108898384A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3274Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/227Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4018Transaction verification using the card verification value [CVV] associated with the card

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a kind of digital wallet and its application method, belongs to financial payment equipment technical field.A kind of digital wallet of the present invention, including:Printed circuit board, touch type electronic paper display screen, battery, upper cover, lower cover, safety chip, micro-control unit, the first communication unit, the second communication unit;The safety chip is electrically connected for storing user account security information with the micro-control unit, provides encryption and Security Authentication Service for the digital wallet;The safety chip supports the storage of subregion isolation safe, can store the security information of multiple accounts simultaneously;The account includes savings account, credit card, digital encryption monetary accounts.The present invention solves the problems, such as that the prior art can not carry out storage that is integrated and paying product to a variety of payment accounts.Present invention can apply to the payments of multi-exchange type.

Description

A kind of digital wallet and its application method
Technical field
The present invention relates to a kind of digital wallet and its application methods, belong to financial payment equipment technical field.
Background technique
Common several means of payment in social life now:Cash, bank card (or directly bank tool, such as USB Key, check etc.), Third-party payment account.With the variation that the change and mass consumption of payment environment are accustomed to, the branch of people The means of paying are more and more to tend to electronization (i.e. cash is reduced, and then two ways increases).
The bank card with functions such as consumer credit, the transfer and settlement of accounts that tradition is issued from bank and financial institution to society, Magnetic stripe or chip are generallyd use to store personal account data, when payment passes through brush magnetic stripe, contact or contactless reading account User data realizes payment transaction.
With the appearance of smart phone, it (is exactly that user is allowed to use its mobile terminal that mobile payment, which is also referred to as mobile-phone payment, (usually mobile phone) carries out a kind of method of service of account payment to the commodity or service consumed) it is also more and more as masses The daily means of payment of (especially younger generation).By the property of payment account, bank card payment, Third-party payment can be divided into Bill payment (wechat, Alipay) etc., individual is by mobile device, internet or short distance sensing directly or indirectly to bank Financial institution sends payment instruction and generates currency payment and fund displacement behavior, to realize mobile payment function.
Digital encryption currency, such as bit coin, Lay spy coin and PPCoin are created, are issued by verification and cryptographic technique With the electronic money of circulation.Its main feature is that issuing, managing and currency with P2P peer-to-peer network technology, but because lose The bit coin of 400,000,000 dollars of value, this has shaken the extraneous confidence to bit coin.The chief threat that digital encryption currency faces exists In how safely to take care of, bit coin loses event and has highlighted this problem again.
The utilization of above a variety of means of payment and Automated Clearing House system, reduces the circulation of cash and check, will make " no branch Ticket, cashless society " becomes a reality, and also becomes a kind of trend.
But in user group, how the crowd that can need to possess above a variety of means of payment simultaneously much can possess one The digital carrier of kind safety solves the set and the storage of payment product of various disbursement accounts, it is actual urgent to become one kind Demand needs corresponding product to solve.
Summary of the invention
The present invention is to solve the prior art to carry out a variety of payment accounts integrated asking with storage that is paying product Topic provides a kind of digital wallet and its application method.
A kind of digital wallet of the present invention, including:Printed circuit board, touch type electronic paper display screen, battery, upper cover, Lower cover, safety chip, micro-control unit, the first communication unit, the second communication unit;
The touch type electronic paper display screen is embedded on lid, and the upper cover and lower cover are mutually matched composition box body, institute State that battery and printed circuit board are parallel with touch type electronic paper display screen to be fixedly arranged in box body;The safety chip, microcontroller Unit, the first communication unit and the second communication unit are respectively fixedly disposed on printed circuit board;
The safety chip is electrically connected for storing user account security information with the micro-control unit, is described Digital wallet provides encryption and Security Authentication Service;The safety chip supports the storage of subregion isolation safe, can store simultaneously The security information of multiple accounts;The account includes savings account, credit card, digital encryption monetary accounts;
The touch type electronic paper display screen connects the micro-control unit, and people is provided between user and micro-control unit Machine interactive interface;
The micro-control unit is electrically connected with first communication unit, the second communication unit respectively, and logical by first Believe unit and external equipment Bluetooth communication, passes through the second communication unit and transaction terminal NFC communication;
The box body side is equipped with USB interface, charges for battery or the data between external equipment are transmitted.
It is further described as to above-mentioned technical proposal:
Further, first communication unit includes low-power consumption bluetooth integrated circuit and low-power consumption bluetooth antenna.
Further, the box body is equipped with physics anti-dismounting structure.
Further, the length and width of the touch type electronic paper display screen it is smaller by 5 than the length and width of box body surface where it respectively~ 8mm。
Further, the box body side is equipped with switch.
A kind of digital wallet application method of the present invention, the specific steps are:
1) it turns on the switch, battery is micro-control unit, safety chip, touch type electronic paper display screen, the first communication unit And first communication unit power supply;Safety chip generates dynamic CVV code for different accounts;
2) micro-control unit obtains account status information from safety chip and is transferred to touch type electronic paper display screen and carries out Display;
3) user selects the account for transaction on touch type electronic paper display screen, and micro-control unit is selected according to user Account, judge the application mode that this account is able to carry out, and shown by touch type electronic paper display screen;
4) user selects application mode on touch type electronic paper display screen;
If 5) select application mode for NFC transaction, micro-control unit is transferred from safety chip and chooses account in step 3) Account safety information, and communicated with transaction terminal by the second communication unit;
If selecting application mode for Bluetooth communication, micro-control unit is transferred from safety chip and chooses account in step 3) Account safety information, and pass through the first communication unit and external device communication;
If selecting application mode for USB Key, the USB interface of digital wallet and computer or mobile terminal are connected It connects, micro-control unit transfers the account safety information that account is chosen in step 3) from safety chip, and passes through USB interface and computer Or communication of mobile terminal, finally realize Secure Transaction;
If selecting application mode for two dimensional code bank settlement, micro-control unit is transferred in step 3) from safety chip and is chosen The account safety information of account generates corresponding two dimensional code by respective two-dimensional code algorithm, and is shown by touch type electronic paper Screen is shown.
Present invention feature the most prominent and significant beneficial effect are:
A kind of digital wallet and its application method according to the present invention, mainly solving client can pay a bill to a variety of Family carries out the integrated demand with storage that is paying product.The present invention is using the safety chip for supporting the storage of subregion isolation safe, energy Security information that is enough while storing multiple accounts;And increased on the basis of safety chip such as electronical display, switch input, Power supply, USB and bluetooth communication and auxiliary control circuit, to extend branch guaranteeing payment under original safety requirements The polymerization for the mode of paying and the polymerization of multiple accounts or a variety of accounts, to bring new experience to user, and safely, just Benefit can save the time of user about 10%.
Detailed description of the invention
Fig. 1 is each unit connection relationship diagram on printed circuit board of the present invention;
Fig. 2 is digital wallet side view of the present invention;
Fig. 3 is physics anti-dismounting structure schematic diagram in embodiment four;
Fig. 4 is touch type electronic paper display screen two-dimensional code display schematic diagram;
Wherein, 1. upper cover, 2. lower covers, 3. printed circuit boards, 4. touch type electronic paper display screens, 5. batteries, 6. safe cores Piece, 7. micro-control units, 8. connection electric wires, 9. first communication units, 10. second communication units.
Specific embodiment
Specific embodiment one:Present embodiment is illustrated in conjunction with Fig. 1, Fig. 2, a kind of number that present embodiment provides Word wallet, including:
Printed circuit board 3, touch type electronic paper display screen 4, battery 5, upper cover 1, lower cover 2, safety chip 6, microcontroller list First 7, first communication unit 9, the second communication unit 10;
The touch type electronic paper display screen 4 is embedded in upper cover 1, and the upper cover 1 and lower cover 2 are mutually matched composition box Body, the battery 5 and printed circuit board 3 is parallel with touch type electronic paper display screen 4 is fixedly arranged in box body;The safety chip 6, micro-control unit 7, the first communication unit 9 and the second communication unit 10 are respectively fixedly disposed on printed circuit board 3;
The safety chip 6 is electrically connected for storing user account security information with the micro-control unit 7, for institute It states digital wallet and encryption and Security Authentication Service is provided;The safety chip 6 supports the storage of subregion isolation safe, can deposit simultaneously Store up the security information of multiple accounts;The account includes savings account, credit card, digital encryption monetary accounts;Safe core Piece card capacity is big, can with account safety information include:Account, validity period, key, digital certificate, additional information, refers to name The information such as line.The protection for being subjected to key is read or be written, is not easy to be decrypted and be stolen.
The touch type electronic paper display screen 4 connects the micro-control unit 7, mentions between user and micro-control unit 7 For man-machine interactive interface;
The micro-control unit 7 is electrically connected with first communication unit 9, the second communication unit 10 respectively, and passes through the One communication unit 9 and external equipment Bluetooth communication, by the second communication unit 10 and transaction terminal NFC communication, NFC is Near Field Communication abbreviation, i.e. near field communication (NFC);
The box body side be equipped with USB interface (USB is the abbreviation of universal serial bus Universal Serial Bus, It is an external bus standard), it charges for battery or the data between external equipment is transmitted.
Specific embodiment two:The present embodiment is different from the first embodiment in that first communication unit 9 wraps Low-power consumption bluetooth integrated circuit and low-power consumption bluetooth antenna are included, the low-power consumption bluetooth antenna and low-power consumption bluetooth integrated circuit connect It connects, the low-power consumption bluetooth antenna in present embodiment uses ceramic antenna, and ceramic dielectric is also more than the dielectric loss of PCB circuit board Small, so the bluetooth module for being extremely suitable for use in low power consumption rate uses, in addition to this, ceramic dielectric can effectively reduce needed for antenna Size is the optimal selection for minimizing bluetooth module.
Other steps and parameter are same as the specific embodiment one.
Specific embodiment three:For present embodiment unlike specific embodiment three, the box body is anti-equipped with physics Detaching structure has anti-disassembling function, once dismantling by force, digital wallet of the present invention will be destroyed and not be available, and protects The safety of user account is protected.Physics anti-dismounting structure such as can be using disassembling prevention screw etc..
The physics anti-dismounting structure of use in present embodiment is implemented as follows:
The connection electric wire 8 of micro-control unit 7 and safety chip 6 is connected respectively continuously across the point of A, B, C, D shown in Fig. 3 (this 4 points be respectively box body where it side midpoint), and connect electric wire 8 and be fixedly connected at this 4 points on the inside of box body, If dismantling data wallet by force, connecting electric wire 8 can be pulled off, and digital wallet is caused to damage and be not available.
Other steps and parameter are identical with embodiment two.
Specific embodiment four:Present embodiment is unlike specific embodiment one, two or three, the touch electricity The size of sub- paper display screen 4 and box body surface where it is substantially the same, and the length and width of touch type electronic paper display screen 4 is respectively than its institute In the small 5~8mm of the length and width of box body surface, that is, usually said " full frame ".
Other steps and parameter are identical as specific embodiment one, two or three.
Specific embodiment five:Unlike specific embodiment four, the box body side is equipped with and opens present embodiment It closes.
Other steps and parameter are identical as specific embodiment four.
Specific embodiment six:A kind of application method for digital wallet that present embodiment provides is specially:
1) it turns on the switch, battery is micro-control unit, safety chip, touch type electronic paper display screen, the first communication unit And first communication unit power supply;Safety chip generates dynamic CVV code for different accounts, and CVV is Card Verification The abbreviation of Value, i.e. credit card validation value;
2) micro-control unit obtains account status information from safety chip and is transferred to touch type electronic paper display screen and carries out Display;
3) user selects the account for transaction on touch type electronic paper display screen, and micro-control unit is selected according to user Account, judge the application mode that this account is able to carry out, and shown by touch type electronic paper display screen;
4) user selects application mode on touch type electronic paper display screen;
If 5) select application mode for NFC transaction, micro-control unit is transferred from safety chip and chooses account in step 3) Account safety information, and communicated with transaction terminal by the second communication unit;
If selecting application mode for Bluetooth communication, micro-control unit is transferred from safety chip and chooses account in step 3) Account safety information, and pass through the first communication unit and external device communication;
If selecting application mode for USB Key, the USB interface of digital wallet and computer or mobile terminal are connected It connects, micro-control unit transfers the account safety information that account is chosen in step 3) from safety chip, and passes through USB interface and computer Or communication of mobile terminal, finally realize Secure Transaction.USB Key is a kind of hardware device of USB interface.Its built-in security core Piece can store the private key and digital certificate of user, be recognized using the public key algorithm realization built in USB Key user identity Card.Since private key for user is stored in coded lock, theoretically make all read in any way, therefore ensure that user authentication Safety.
If selecting application mode for two dimensional code bank settlement, micro-control unit is transferred in step 3) from safety chip and is chosen The account safety information of account is generated the two dimensional code of corresponding band finance by respective two-dimensional code algorithm, contained in two dimensional code close Text, signing messages, it is ensured that safety, and shown by touch type electronic paper display screen, as shown in Figure 4.This implementation Mode produces and the associated static two dimensional code of bank account;It is also possible to third-party two dimensional code, such as Unionpay, wechat or branch Fu Bao has barcode scanning bank settlement function, after two dimensional code is networked when paying the bill by cash receiving terminal, settles accounts on backstage.
The present invention can also have other various embodiments, without deviating from the spirit and substance of the present invention, this field Technical staff makes various corresponding changes and modifications in accordance with the present invention, but these corresponding changes and modifications all should belong to The protection scope of the appended claims of the present invention.

Claims (6)

1. a kind of digital wallet, which is characterized in that the digital wallet includes:Printed circuit board, touch type electronic paper display screen, Battery, upper cover, lower cover, safety chip, micro-control unit, the first communication unit, the second communication unit;
The touch type electronic paper display screen is embedded on lid, and the upper cover and lower cover are mutually matched composition box body, the electricity Pond and printed circuit board is parallel with touch type electronic paper display screen is fixedly arranged in box body;The safety chip, micro-control unit, First communication unit and the second communication unit are respectively fixedly disposed on printed circuit board;
The safety chip is electrically connected for storing user account security information with the micro-control unit, is the number Wallet provides encryption and Security Authentication Service;The safety chip supports the storage of subregion isolation safe, can store simultaneously multiple The security information of account;The account includes savings account, credit card, digital encryption monetary accounts;
The touch type electronic paper display screen connects the micro-control unit, and man-machine friendship is provided between user and micro-control unit Mutual interface;
The micro-control unit is electrically connected with first communication unit, the second communication unit respectively, and passes through the first communication unit Member and external equipment Bluetooth communication, pass through the second communication unit and transaction terminal NFC communication;
The box body side is equipped with USB interface, charges for battery or the data between external equipment are transmitted.
2. a kind of digital wallet according to claim 1, which is characterized in that first communication unit includes low-power consumption bluetooth Integrated circuit and low-power consumption bluetooth antenna.
3. a kind of digital wallet according to claim 2, which is characterized in that the box body is equipped with physics anti-dismounting structure.
4. a kind of according to claim 1,2 or 3 digital wallet, which is characterized in that the touch type electronic paper display screen Length and width of the length and width respectively than box body surface where it is 5~8mm small.
5. a kind of digital wallet according to claim 4, which is characterized in that the box body side is equipped with switch.
6. using a kind of application method of digital wallet described in Claims 1 to 5, which is characterized in that the application method is specific For:
1) turn on the switch, battery be micro-control unit, safety chip, touch type electronic paper display screen, the first communication unit and The power supply of first communication unit;Safety chip generates dynamic CVV code for different accounts;
2) micro-control unit obtains account status information and is transferred to touch type electronic paper display screen and shown from safety chip;
3) user selects the account for transaction, the account that micro-control unit is selected according to user on touch type electronic paper display screen Family judges the application mode that this account is able to carry out, and is shown by touch type electronic paper display screen;
4) user selects application mode on touch type electronic paper display screen;
If 5) select application mode for NFC transaction, micro-control unit transfers the account that account is chosen in step 3) from safety chip Family security information, and communicated by the second communication unit with transaction terminal;
If selecting application mode for Bluetooth communication, micro-control unit transfers the account that account is chosen in step 3) from safety chip Security information, and pass through the first communication unit and external device communication;
If selecting application mode for USB Key, the USB interface of digital wallet is connect with computer or mobile terminal, it is micro- Control unit transfers the account safety information that account is chosen in step 3) from safety chip, and by USB interface and computer or Communication of mobile terminal finally realizes Secure Transaction;
If selecting application mode for two dimensional code bank settlement, micro-control unit is transferred from safety chip and chooses account in step 3) Account safety information, corresponding two dimensional code is generated by respective two-dimensional code algorithm, and by touch type electronic paper display screen into Row display.
CN201810737300.6A 2018-07-06 2018-07-06 A kind of digital wallet and its application method Pending CN108898384A (en)

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CN109801048A (en) * 2018-12-21 2019-05-24 中云信安(深圳)科技有限公司 A kind of digital asset processing unit, system and application method
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CN110310108A (en) * 2019-06-06 2019-10-08 武汉卓目科技有限公司 A kind of band tears the self-destructed New Hardware wallet of machine open
CN114514124A (en) * 2019-09-30 2022-05-17 德国捷德进步52有限公司 Card and method for producing a card
CN111710110A (en) * 2020-06-08 2020-09-25 福建慧捷通科技有限公司 Two-dimensional code safety payment equipment
CN111710110B (en) * 2020-06-08 2022-07-05 福建慧捷通科技有限公司 Two-dimensional code safety payment equipment
CN115529063A (en) * 2021-06-25 2022-12-27 中国人民银行数字货币研究所 Information display device and method
CN115529063B (en) * 2021-06-25 2024-04-16 中国人民银行数字货币研究所 Information display device and method

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