CN109034789B - Method for online payment, computer program product and mobile payment card thereof - Google Patents
Method for online payment, computer program product and mobile payment card thereof Download PDFInfo
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- CN109034789B CN109034789B CN201711467984.4A CN201711467984A CN109034789B CN 109034789 B CN109034789 B CN 109034789B CN 201711467984 A CN201711467984 A CN 201711467984A CN 109034789 B CN109034789 B CN 109034789B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
Abstract
Embodiments of the present invention provide an online payment method, a computer program product and a mobile payment card thereof, wherein an access mechanism and a verification mechanism with special arrangement are formed in an online payment process by a bluetooth communication pipeline, so that online payment transaction is facilitated and a secure access and authentication mechanism can be provided, and a bluetooth communication module specially configured on the mobile payment card brings better reliability and a wide application level of user experience.
Description
Technical Field
The present invention relates to an online payment method, a computer program product and a mobile payment card thereof, and more particularly, to an online payment method, a computer program product and a mobile payment card thereof using bluetooth communication technology.
Background
With the combination of electronic commerce and financial systems, the development of mobile payment systems is becoming faster and faster today. Near Field Communication (NFC) is a short-range wireless Communication technology derived and developed based on Radio Frequency Identification (RFID) standards, and is applied to Near-end mobile payment.
When a user wants to use mobile payment and uses the mobile communication device to sense a Point of sale (POS) system to pay, the POS system communicates with a Security Element (SE) through an NFC chip and an NFC antenna in the mobile communication device to read data inside the Security Element, and then amplifies a response signal generated by the Security Element by using a voltage amplification chip in the NFC chip and transmits the signal to the POS system through the NFC antenna to complete mobile payment with an authentication program.
For the mobile payment card, in the application of the near field communication technology, the payment interface is a Single Wire Protocol (SWP) SWP-SIM card as the NFC terminal, however, this necessitates access to the Secure Element (SE) in the SWP-SIM card through complex protocols, and under different NFC working modes, the standards to be followed are different and comprise radio frequency protocols (such as ISO 14443 and 18092), intermediate protocols (such as various NFC Forum), application protocols (such as the regulations between different industries and NFC Forum RTD), other protocols (such as ETSI and RTD) and the like, in addition, there are also the test standards and test tools required for the relevant standardized correspondences in the NFC-SWP terminals, the complex protocols need the common support of a mobile phone manufacturer, a mobile phone NFC controller manufacturer and a mobile phone Baseband chip (Baseband CPU) manufacturer, which causes that the support of the NFC mobile phone to the SIM card access interface is not high at present.
Disclosure of Invention
It is an object of the present invention to provide a convenient mobile payment conduit.
It is another object of the present invention to provide a method, a program product and a mobile payment card thereof that do not require complex protocols.
It is another object of the present invention to improve the reliability and stability of the mobile transaction process.
To achieve the above and other objects, the present invention provides an online payment method applied in a mobile communication device having a first transmission module and configured with a mobile payment card having a second transmission module, the mobile payment card having an intelligent authentication module therein, the method comprising: and a payment program, which is used for carrying out wireless communication by the same wireless communication protocol of the first transmission module and the second transmission module and is used as a verification pipeline for online payment, so that the mobile communication device can access the intelligent authentication module to complete online payment.
In an embodiment of the present invention, the first transmission module and the second transmission module are bluetooth communication modules, the payment procedure is applied to the mobile communication device with bluetooth communication function and the mobile communication device is configured with a mobile payment card with bluetooth communication function, the mobile payment card has a security element as the smart authentication module therein, and the payment procedure includes: responding to an authentication request procedure of an online payment service providing system, and wirelessly transmitting a corresponding authentication command packet by a device end Bluetooth communication module of the mobile communication device in a Bluetooth communication mode according to a received authentication request packet by the mobile communication device; enabling a payment card end Bluetooth communication module of the mobile payment card to receive the authentication command packet in a Bluetooth communication mode and wirelessly transmit a security key packet correspondingly generated in the Bluetooth communication mode; enabling the device-side Bluetooth communication module of the mobile communication device to receive the security key packet and submit the security key packet to the online payment service providing system; the mobile communication device receives the authentication result of the on-line payment service providing system, completes the authentication request procedure after the authentication is successful, and wirelessly transmits a corresponding payment request packet in a Bluetooth communication mode; a payment request program, which makes the mobile payment card pay according to the payment request packet received by the payment card end Bluetooth communication module, and wirelessly transmits a payment result report packet by the payment card end Bluetooth communication module; and enabling the device end Bluetooth communication module of the mobile communication device to receive the payment result report packet to complete the on-line mobile payment procedure.
In an embodiment of the present invention, after the authentication of the online payment service providing system is successful and before the payment request packet is generated, at least one of the following additional authentication procedures is further included, and the payment request packet is generated after all the additional authentication procedures are successfully authenticated: a user identification information authentication procedure, which makes the mobile communication device obtain a biological characteristic information, and compares the biological characteristic information with the user biological characteristic information stored in the mobile communication device, and after the comparison is successful, the authentication is successful; and a user password authentication procedure, which makes the mobile communication device obtain a password information and compares with the user password information stored in the mobile communication device, and after the comparison is successful, the authentication is successful.
In an embodiment of the present invention, the biometric information includes at least one of the following: user fingerprint information, user face information, user pupil information and user voiceprint information.
In an embodiment of the present invention, the first transmission module and the second transmission module are both selected communication protocols, and the selected communication protocol may be a wireless fax Wi-Fi transmission protocol or a group-bee ZigBee wireless transmission protocol.
The present invention further provides an online payment computer program product, which is loaded on a computer device, the computer device has a first transmission module and is configured with a mobile payment card having a second transmission module, the mobile payment card has a security element as an intelligent authentication module, the computer device loads the program to execute a payment program, wherein the payment program performs wireless communication via the same wireless communication protocol as the first transmission module and the second transmission module, and is used as a verification pipeline for online payment, so that the computer device accesses the intelligent authentication module to complete online payment.
In an embodiment of the present invention, the computer device is a mobile communication device, the first transmission module and the second transmission module are bluetooth communication modules, the payment procedure is applied to the mobile communication device with bluetooth communication function and the mobile communication device is configured with the mobile payment card with bluetooth communication function, and the steps of the payment procedure include the method as described above.
To achieve the above and other objects, the mobile payment card for use in the method or computer program product of the present invention comprises: a coating material; and a system-in-package partially encapsulated by the encapsulating material, the package having: the communication chip and the corresponding antenna circuit as the second transmission module, and the security element as the intelligent authentication module, wherein the communication chip is coupled to the security element for the computer device to access the security element through the communication chip via the same communication interface, thereby completing the payment procedure.
In one embodiment of the present invention, the package includes: a lower packaging body which is provided with a Bluetooth communication chip and a safety element used as the intelligent authentication module; an upper package having a plurality of metal contacts and a Bluetooth antenna circuit, wherein at least a portion of each metal contact is not covered by the covering material; and an interlayer package set disposed between the upper side of the lower package and the lower side of the upper package, the interlayer package set having at least one interlayer package, the interlayer package having a metal mesh layer and a plurality of wiring connection points, the area of the metal mesh layer being smaller than that of at least one of the upper package or the lower package, the wiring connection points coupling corresponding portions of the upper package and the lower package.
In one embodiment of the present invention, the bluetooth antenna line is configured to overlap the metal mesh layer of the middle package group by no more than 20% of the area of the bluetooth antenna line in the vertical direction of the package.
In one embodiment of the present invention, the bluetooth antenna circuit is disposed adjacent to an edge of the upper package.
In an embodiment of the present invention, the bluetooth antenna line is a straight strip and has a turn and is in an "L" shape.
In one embodiment of the present invention, the bluetooth antenna circuit is spaced from the outer edge of the upper package by a distance of 3.9mm to 4.7 mm.
In one embodiment of the present invention, the bluetooth antenna line is about 4.3mm from the outer edge of the upper package.
In one embodiment of the present invention, the bluetooth antenna circuit is not overlapped with the metal mesh layer of the middle package in the vertical direction of the package.
In one embodiment of the present invention, the metal mesh layer is a copper mesh layer.
In an embodiment of the present invention, a near field communication chip, a matching circuit and a near field communication antenna circuit are further packaged on the lower side of the lower package, the near field communication antenna circuit is coupled to the matching circuit, and the matching circuit is coupled to the near field communication chip, so that the mobile communication device can access the secure element through the bluetooth communication interface or the near field communication interface to complete the payment procedure.
In an embodiment of the present invention, as a subscriber identity module, the metal contacts are a connection terminal set of the subscriber identity module, and the connection terminal set includes: VCC terminal, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal.
In an embodiment of the present invention, the power source terminals of the secure element are the VCC terminal and the GND terminal, and the VCC terminal and the GND terminal are coupled through the bluetooth communication chip and the near field communication chip, so that the power supply of the secure element is controlled by the bluetooth communication chip or the near field communication chip, and the secure element is enabled to a high power consumption state when a payment operation is performed.
In an embodiment of the present invention, the sim has a payment security component and a telecommunication security component separately, the payment security component is coupled to the bluetooth communication chip and the nfc chip through different interfaces, and the telecommunication security component is coupled to a Baseband chip (Baseband Processor) of the mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal and the GND terminal.
In an embodiment of the invention, the nfc chip is coupled to the bluetooth communication chip, and is coupled to the secure element through a general purpose input/output interface (GPIO) of the bluetooth communication chip.
In one embodiment of the present invention, the secure element is authenticated by a One Time Password (OTP) mechanism or a dynamic password (token) mechanism in completing the payment process by accessing the secure element.
In an embodiment of the invention, the nfc chip and the bluetooth chip are respectively coupled to the secure element.
In one embodiment of the present invention, the near field communication antenna line is disposed adjacent to an edge of the lower package and is non-overlapping or overlapping with the bluetooth antenna line in a vertical direction of the package by no more than 10% of an area of the bluetooth antenna line.
In an embodiment of the present invention, the nfc antenna line and the bluetooth antenna line do not overlap with the metal mesh layer of the middle package group in a vertical direction of the package.
In one embodiment of the present invention, the arrangement inside the package of the system package is such that when the mobile payment card is mounted into the mobile communication device, the near field communication antenna line and the bluetooth antenna line are not overlapped with the metal mesh element inside the mobile communication device in the vertical direction of the package, and the near field communication antenna line is adjacent to the side of the mobile communication device.
Therefore, when the Bluetooth communication pipeline is used in the process of online transaction, the access of the secure element does not need a complex protocol, the process is simple and comprises a verification mechanism, and the mobile payment card disclosed by the embodiment of the invention can bring high reliability and online stability, and can achieve wider user experience in the application level under the mobile payment card with near-field communication capability and Bluetooth communication capability.
To more clearly illustrate the objects, technical solutions and advantages of the present invention, the following detailed description of the present invention is provided with reference to the accompanying drawings and the detailed description. Like reference numerals have the same meaning in the various figures.
Drawings
FIG. 1 is a flowchart of an online payment method according to an embodiment of the present invention.
FIG. 2 is a diagram illustrating a data flow process for online payment according to an embodiment of the present invention.
Fig. 3 is an architecture diagram of a mobile payment card according to an embodiment of the invention.
Fig. 4 is an architecture diagram of a mobile payment card according to another embodiment of the present invention.
Fig. 5 is an architecture diagram of a mobile payment card according to still another embodiment of the present invention.
Fig. 6 is an architecture diagram of a mobile payment card according to another embodiment of the present invention.
Fig. 7 is a cross-sectional view of a mobile payment card according to an embodiment of the invention.
FIG. 8 is a diagram illustrating the structure of the lower package of the mobile payment card according to an embodiment of the present invention.
FIG. 9 is a diagram illustrating an architecture of an inter-layer package of a mobile payment card according to an embodiment of the present invention.
Fig. 10 is an architecture diagram of an upper package of a mobile payment card according to an embodiment of the invention.
FIG. 11 is a diagram of the structure of the lower package of the mobile payment card according to another embodiment of the present invention.
FIG. 12 is a mobile device of a SIM card according to an embodiment of the present invention.
Detailed Description
As used herein, the terms "comprises," "comprising," "includes," "including," "has," "having" or any other similar language, are intended to cover a non-exclusive inclusion, such that a term does not include a limitation, but includes other elements or steps not expressly listed or inherent to such element, package, device or method.
As used herein, the term "a" or "an" is used to describe a described component, material, package, etc. This is done for convenience of illustration only and to provide a general sense of the scope of the invention. Accordingly, unless clearly indicated to the contrary, such description should be read to include one or at least one and the singular also includes the plural.
In this document, the term "coupled" is used to describe any relationship between elements, chips, devices, etc. that describes a relationship between functional elements or objects, and may represent a direct connection or an indirect connection. Other components, chips, devices, and other elements or objects for describing functions may be included between the two, and the functions or actions required to be achieved by the two in a connected relationship may be achieved simultaneously. Moreover, the sizes of the blocks in the figures are merely illustrative and are not intended to be limiting unless otherwise indicated herein.
The embodiments disclosed herein are applied to a mobile communication device with bluetooth communication function, and the mobile communication device is configured with a mobile payment card with bluetooth communication function, and the mobile payment card has a security element therein, and in addition, the embodiments can also be applied to a mobile communication device with wireless fax Wi-Fi transmission capability, swarm ZigBee wireless transmission capability or other wireless transmission capability, and the mobile payment card also has corresponding Wi-Fi transmission capability, swarm ZigBee wireless transmission capability or other wireless transmission capability. The mobile communication device can be a smart phone, a tablet computer, a notebook computer, a personal digital assistant, or other electronic devices with similar functions or devices generally called computer devices. The mobile payment card may be a sim (subscriber Identity module) card, such as: mini (Mini) SIM card, Micro (Micro) SIM card or Nano (Nano) SIM card.
In one embodiment, the mobile payment card with bluetooth communication function is a mobile payment card having a bluetooth communication module mounted therein, and the bluetooth communication module is coupled to the secure element, so that accessing the bluetooth communication module can have a pipeline accessing the secure element. Nowadays, most mobile communication devices are built-in with bluetooth communication capability, which also makes it possible to establish a communication channel between the bluetooth communication chip of the mobile communication device body and the secure element in the mobile payment card. In addition, mobile communication devices having Wi-Fi communication function or group-bee ZigBee communication function are increasing, and the embodiment of the present invention is configured by using a common wireless communication channel on the mobile communication device and a corresponding wireless communication channel on the mobile payment card. Furthermore, the embodiments herein achieve a mobile payment process with high convenience and authentication mechanism by special design and arrangement of the process.
Referring to fig. 1 and fig. 2, fig. 1 is a flowchart illustrating an online payment method according to an embodiment of the present invention, and fig. 2 is a schematic diagram illustrating a data flow process of online payment according to an embodiment of the present invention.
As shown in fig. 1, the flow of the online payment method is as follows: s102, responding to an authentication request program, and wirelessly transmitting a corresponding authentication command packet in a Bluetooth communication mode. The authentication command packet is sent to the secure element. In detail, referring to fig. 2, a user may operate an Application (APP) installed/installed in the mobile communication device to initiate a transaction (1), that is, to generate an online mobile payment behavior, and the initiated transaction may cause the application to apply for an online payment service providing system and start an authentication request procedure (2), and then receive an authentication request packet (3) transmitted from the online payment service providing system. After receiving the authentication request packet, the application program carried/installed in the mobile communication device analyzes the authentication request packet and generates an authentication command packet (4) according to the authentication request packet, and enables a device-side bluetooth communication module (i.e. a bluetooth communication module of the mobile device) of the mobile communication device to wirelessly transmit the authentication command packet (5) in a bluetooth communication mode.
The online payment service providing system is, for example, a third party payment system or a bank payment service system, wherein the third party payment system is cooperated and connected with a bank terminal, and the online payment service providing system described herein generally refers to a related system or a combination thereof for a user to perform authentication and payment.
Then, as shown in step S104 of fig. 1, the mobile payment card receives the authentication command packet by bluetooth communication and wirelessly transmits a security key packet generated correspondingly. In detail, referring to fig. 2, a payment card end bluetooth communication module of the mobile payment card wirelessly receives and parses the authentication command packet in a bluetooth communication manner (6), and then transmits the parsed authentication command code to an operation core (7) of the secure element, the secure element correspondingly responds to a secure key code (8), the payment card end bluetooth communication module organizes a secure key packet (9) and wirelessly transmits the secure key packet in a bluetooth communication manner by the payment card end bluetooth communication module (10).
Then, as shown in step S106 of fig. 1, the device-side bluetooth communication module of the mobile communication device receives the security key packet and submits the security key packet to the online payment service providing system. In detail, referring to fig. 2, the device-side bluetooth communication module of the mobile communication device receives and parses the security key packet (11) to submit the security key packet to the online payment service providing system (12).
Then, as shown in step S108 of fig. 1, the mobile communication device receives the authentication result of the online payment service providing system, and wirelessly transmits a corresponding payment request packet in a bluetooth communication manner after the authentication is successful. In detail, referring to fig. 2, the online payment service providing system authenticates according to the received security key package, for example, to confirm whether the security key package matches the user's pre-established one, and then sends the authentication result to the mobile communication device (13). The mobile communication device correspondingly generates a payment request packet (15) after confirming the successful authentication (14), and the mobile communication device wirelessly transmits the payment request packet (16) in a Bluetooth communication mode.
Then, as shown in step S110 of fig. 1, a payment request procedure is performed. In detail, referring to fig. 2, the mobile payment card submits the payment request packet (17) received by the payment card-side bluetooth communication module to the secure element for payment (18, 19), and wirelessly transmits a payment result report packet (20) generated by the secure element in response to the payment card-side bluetooth communication module to the device-side bluetooth communication module (21) of the mobile communication device.
Then, as shown in step S112 of fig. 1, the online mobile payment procedure is completed. In detail, referring to fig. 2, the device-side bluetooth communication module of the mobile communication device receives the payment result report packet (22) and displays the related payment result (23) to be known to the user.
After the authentication of the online payment service providing system in step S108 is successful and before the payment request packet is generated, at least one of the following additional authentication procedures is further included: one for user identification information authentication procedure and one for user password authentication procedure. These additional authentication procedures may be performed either or both, in which case the two authentication procedures are not limited by the order of execution.
The authentication procedure of the user identification information is to make the mobile communication device obtain a biological characteristic information, and compare it with the user biological characteristic information stored in the mobile communication device, and after the comparison is successful, the authentication is successful. For example, the biometric information may include at least one of: the user fingerprint information (via the fingerprint recognition module of the mobile communication device), the user face information (via the camera module of the mobile communication device), the user pupil information (via the camera module of the mobile communication device), and the user voiceprint information (via the radio module of the mobile communication device), i.e., the user can pre-establish a biometric information or a plurality of biometric information, and the user identification information authentication procedure can run the authentication of a single biometric information or a plurality of biometric information.
The user password authentication procedure is to make the mobile communication device obtain a password information and compare it with the user password information stored in the mobile communication device, and after the comparison is successful, the authentication is successful. Thus, through the user authentication process requiring the user to participate, it can be further ensured that the online transaction is a transaction known by the user, and the payment request packet is generated after the transaction is passed.
As mentioned above, the program for executing the method can be a computer program product (e.g. an application APP in an online mall or a payment service program embedded in the application APP), which is downloaded to a Mobile communication device with Bluetooth communication function and runs on an operating system (Mobile operating system, Mobile OS, such as Android, iOS, Symbian, Windows Phone and BlackBerry OS under the name of the operating system or registered trademark), and after the Mobile communication device is configured with a Mobile payment card with Bluetooth communication function (e.g. installing a Mobile payment card with Bluetooth transmission function), when the program product is executed, the Mobile communication device and the Mobile payment card can cooperate to execute the above-mentioned method steps with the selection of the transaction payment confirmation of the user, so that the flow of the payment transaction is simple and includes a verification mechanism, various excessively complex protocols are not needed, and supply units in all links of mobile payment can be quickly, conveniently and effectively put into various applications. The computer program product can also be stored on a computer readable medium and executed after the computer readable medium is installed in a computer device.
Referring to fig. 3, an architecture diagram of a mobile payment card according to an embodiment of the invention is shown. The embodiments of FIGS. 3-10 are illustrated with a mobile payment card 300 of nano SIM size. As shown in fig. 3, the mobile payment card 300 is configured with: a secure element 310 as a subscriber identity chip, a bluetooth communication chip 322 and a near field communication module 330. The near field communication module 330 includes: the NFC antenna circuit 336 is coupled to the matching circuit 334, the matching circuit 334 enables the energy sent by the NFC IC in the NFC chip 332 to be maximally transferred to the NFC antenna circuit 336 (modulating the NFC sensing signal received from the antenna end), and the NFC chip 332 may include an NFC IC and an LC filter or a near field communication Tag Contactless Front-end (NFC Tag contact Front-end, NFC TCF). The bluetooth communication antenna collocated with the bluetooth communication chip 322 is not shown in this figure, and refer to fig. 6 and fig. 10.
As shown in fig. 3, the bluetooth communication chip 322 is coupled to the secure element 310, the near field communication chip 332 is coupled to the bluetooth communication chip 322, and the near field communication chip 332 is connected to the secure element via a general purpose input/output interface (GPIO) of the bluetooth communication chip 322, for example: the SPI or UART interface is used to couple to the secure element 310, this embodiment is limited by the specification of the secure element 310, the secure element 310 is a single interface, so the nfc chip 332 needs to couple to the secure element 310 through a general purpose input/output interface (GPIO) of the bluetooth communication chip 322, which is a single interface but a large-capacity secure element.
In the example of fig. 3, the mobile payment card 300 has both the bluetooth communication chip 322 and the NFC chip 332, so that the external NFC device as the NFC wireless transmission connection E4 can access the secure element 310 through the NFC chip 332. The NFC controller (not shown) in the mobile communication device can also access the secure element 310 via the SWP terminal (E1) of the mobile payment card 300 via the single wire connection protocol (SWP). Five pins of C1(VCC), C2(RST), C3(CLK), C5(GND), C7(I/O) and the like are pins of a conventional SIM card, and an interface between the SIM card and an NFC chip includes three lines: VCC (C1), GND (C5), SWP (C6). The secure element 310 is coupled to a Baseband chip (Baseband Processor) in the mobile communication device through the ISO7816 connection E2. The bluetooth communication chip 322 is used to wirelessly connect the bluetooth wireless transmission connection E3 that is originally provided in/connected to the mobile communication device.
In addition, the power source end of the secure element 310 can be the VCC terminal and the GND terminal, and is coupled to the VCC terminal and the GND terminal through the bluetooth communication chip 322 and the near field communication chip 332, so that the power supply of the secure element 310 is controlled by the bluetooth communication chip 322 or the near field communication chip 332, and then the secure element 310 can be enabled to a high power consumption state when a payment action is performed, and the secure element 310 can be in a low power consumption state at the rest time, thereby further saving power consumption.
Referring to fig. 4, a mobile payment card according to another embodiment of the invention is shown. In the embodiment of fig. 4, a secure device with dual interfaces (including a contact interface and a non-contact interface) but small capacity is provided, so that the nfc chip 332 and the bluetooth chip 322 can be respectively coupled to the secure device 310.
Next, please refer to fig. 5, which is a diagram illustrating an architecture of a mobile payment card according to another embodiment of the present invention. In the embodiment of fig. 5, the secure element as the subscriber identity chip has a separate payment secure element 312 and a separate telecommunication secure element 314. The payment security component 312 is coupled to the bluetooth communication chip 322 and the nfc chip 332 through different interfaces. The telecom security element 314 is coupled to a baseband chip of a mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal, and the GND terminal to form an ISO7816 connection E2. The telecom security element 314 is coupled to the NFC controller of the mobile communication device through the VCC terminal (C1), the GND terminal (C5), and the SWP terminal (C6) to form a single wire connection protocol connection terminal E1.
Referring to fig. 6, a mobile payment card according to another embodiment of the invention is shown. In the embodiment of fig. 6, the nfc module 330 is not provided. In fig. 6, a bluetooth communication antenna 324 of a bluetooth communication module 320 is illustrated, which is disposed at the edge of the mobile payment card 300.
Referring to fig. 7, a cross-sectional view of a mobile payment card according to an embodiment of the invention is shown. The mobile payment card for operating the above-mentioned online payment method must integrate the bluetooth communication module 320 and the secure element 310 as a subscriber identity chip, preferably the near field communication module 330, and fig. 8-10 illustrate the case of integrating the bluetooth communication module 320, the near field communication module 330 and the secure element 310 as a subscriber identity chip.
As shown in fig. 7, the mobile payment card includes: a cover material 350 and a package 360 for system packaging. The covering material 350 may be, for example: polyvinyl chloride (PVC), Acrylonitrile (ABS), or combinations thereof, or other materials suitable for use in configuring a SIM card. The System in Package (System in Package) 360 is different from the conventional SIM card manufacturing process, but includes a chip or a plurality of chips in an IC Package, and a Package including more than one passive component, capacitor, resistor, connector, antenna, etc. to form a Package in which a plurality of discrete components are directly packaged together, similar to the integration of the Package.
As shown in fig. 7, the package 360 includes: an upper package 362, a lower package 366, and an interlayer package set 364. The upper package 362 has a plurality of metal contacts and a bluetooth antenna circuit (see fig. 10), and each metal contact is at least partially uncovered by the covering material 360 to expose the pins of the SIM card.
Next, please refer to fig. 8, which is a diagram illustrating an architecture of a lower package of the mobile payment card according to an embodiment of the present invention. The lower package 366 has a bluetooth communication chip 322, a nfc module 330, and a secure element 310 as a subscriber identity chip.
Referring to fig. 9, a diagram of an architecture of an inter-layer package of a mobile payment card according to an embodiment of the invention is shown. The middle package set 364 may include at least one middle package, which is mainly used as a layout for electrical coupling between the upper package 362 and the lower package 366, or as a layout for electrical coupling between devices on the upper package 362 and the lower package 366. The middle package assembly 364 is located between the upper side of the lower substrate of the lower package 366 and the lower side of the upper substrate of the upper package 362. The interposer package has a metal mesh layer 3642 and a plurality of wiring connection points, which is illustrated by the metal mesh layer 3642 only in one area in FIG. 9. The area encompassed by the periphery of the metal mesh 3642 (i.e., calculated by the periphery of the metal mesh 3642) is smaller than at least one of the upper package 362 or the lower package 366, i.e., the area encompassed by the periphery of the metal mesh 3642 is limited within a predetermined range, so that the mobile payment card of an embodiment of the invention can be packaged into a package and the functions of the components are normal and unproblematic. The wiring connection points are used to couple the upper package 362 to the lower package 366 or to provide electrical coupling between the devices on the upper package 362 and the lower package 366. In addition, the metal mesh layer 3642 provides good heat dissipation and enables the mobile payment card to be used as a mobile payment card: during the SMT IR reflow process, the warpage of the substrate can be controlled within a desired range, and the metal mesh 3642 can also provide RF high frequency anti-interference effect.
Referring to fig. 10, an architecture diagram of an upper package of a mobile payment card according to an embodiment of the invention is shown. The upper package 362 has a contact layer 3622 formed by a plurality of metal contacts and a bluetooth antenna 324, each of the metal contacts is at least partially uncovered by the covering material 350 to expose the pins of the SIM card, such as a connection terminal set of a Subscriber Identity Module (SIM), the connection terminal set has: VCC terminal, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal.
As shown in fig. 8 to 10, the bluetooth antenna circuit 324 is disposed near the edge of the upper Package 362 as a result of stacking the packages, i.e., as a result of packaging a System in Package (System in Package). Further, the bluetooth antenna 324 is a straight strip and has a turn and is "L" shaped, wherein the distance d1 between the bluetooth antenna 324 and the outer edge of the upper package is 3.9mm to 4.7 mm.
In one embodiment, the bluetooth antenna circuit 324 preferably does not overlap the metal mesh 3642 of the middle package in the vertical direction of the package 360. In addition, the nfc antenna line 336 is disposed adjacent to the edge of the lower package 366 and does not overlap with the bluetooth antenna line 324 in the vertical direction of the package 360 or overlaps with an area not more than 10% of the area of the bluetooth antenna line 324. Furthermore, the nfc antenna line 336 and the bluetooth antenna line 324 may not overlap with the metal mesh layer 3642 of the middle package in the vertical direction of the package 360. Wherein, the vertical direction of the packaging body refers to the normal direction on the surface of the sheet-shaped payment card.
Still further, the design of the package 360 can be designed according to the internal structure configuration of the mobile communication device to be carried, that is, the configuration in the package 360 of the system package is such that when the mobile payment card 300 is installed in the mobile communication device, the nfc antenna circuit 336 and the bluetooth antenna circuit 324 do not overlap with any metal mesh element or metal sheet in the mobile communication device in the vertical direction of the package 360, and the nfc antenna circuit 336 can be located near the side of the mobile communication device.
In addition, the nfc antenna circuit 336 may be disposed adjacent to the edge of the lower package 366, such as the frame diagram of the lower package of the mobile payment card of fig. 11 according to another embodiment of the invention, fig. 11 shows the upper edge of the lower package 366, it should be understood that the nfc antenna circuit 336 may also be disposed adjacent to the left edge or the lower edge of the lower package 366, for example, the nfc antenna circuit 336 may be correspondingly arranged according to the internal design of the mobile communication device to be used, so that the nfc antenna circuit 336 may reliably face the four side edges of the mobile communication device when the mobile payment card 300 is installed in the mobile communication device. The structure diagrams shown in fig. 8 to 11 show the circuit modules on each package for understanding the arrangement of the circuit blocks in the embodiment, and do not illustrate the overlapping connection manner of the circuits.
Referring next to fig. 12, a mobile device 100 of a sim card 110 according to an embodiment of the invention is shown. The mobile device 100 may be a conventional mobile device such as a mobile phone or a tablet computer, and includes a first transmission module 120 and a Subscriber Identity Module (SIM) card 110.
The first transmission module 120 is used for transceiving a first message 115. The SIM card 110 includes a second transmission module 160, a smart authentication module 130, and an antenna 140, in addition to the circuit elements of the conventional SIM card for storing subscriber identification data. The second transmission module 160 is used for transceiving the first message 115. The smart authentication module 130 is used for performing an authentication procedure via the first message 115. The antenna 140 is electrically connected to the smart authentication module 130.
In detail, in the embodiment of the present invention, in order to reduce the additional components and simplify the communication process, as described above, the first transmission module 120 and the second transmission module 160 can be designed to be Bluetooth modules based on the existing mobile devices each having a Bluetooth (Bluetooth) device. The described embodiments of the present invention can be used without modification to the mobile device.
Further, the first message 115 can be an authentication message generated by a One Time Password (OTP) mechanism or a dynamic password (token) mechanism. At this time, the first message 115 is sent from the first transmission module 120 to the second transmission module 160. In other words, the first message 115 is necessary information for the mobile device 100 to perform remote authentication, which is different from the subscriber identity data stored in the conventional SIM card. That is, the authentication procedure that can be completed by an additional vehicle in the prior art can be completed by the second transmission module 160 and the smart authentication module 130 disposed in the sim card 110 in combination with the first transmission module 120.
In detail, the antenna 140 may be a Near Field Communication (NFC) module. The most commonly used occasion for near field communication modules is inductive transactions. In the nfc induction transaction application, the bluetooth function can be used as a communication channel between an application program in a mobile device and the smart authentication module 130, so that a user can manage and access the contents in the smart authentication module 130.
For example, assuming that an application is an electronic money package, when a user intends to operate a "new credit card" payment operation on a mobile device, the bank verifies and encrypts the data, and then transmits the data back to the mobile device 100, and the transmitted encrypted data is wirelessly transmitted to the sim card 110 by the first transmission module 120 and the second transmission module 160 in a bluetooth manner and stored in the smart authentication module 130. In other words, the remote procedures (including balance inquiry, remote value storage, etc.) that cannot be performed by the nfc module in the prior art can be performed by the sim card 110 having bluetooth and nfc functions. At this time, the first message 115 is sent from the second transmission module 160 to the first transmission module 120.
Moreover, when the mobile device 100 fails, since the authentication information of the user is stored in the smart authentication module 130 of the sim card 110 and the remote authentication procedure is mainly implemented by the sim card 110, the user can continue to use the mobile device by only pulling out the sim card 110 and replacing it with another mobile device, thereby reducing inconvenience of the user. Therefore, by means of the mobile device and the SIM card, the user can simplify the authentication system of the mobile device, and the second transmission module, the antenna and the intelligent authentication module are accommodated in the SIM card, so that the technical problem that the user cannot perform any remote or near-end authentication procedure due to the fault of the mobile device or the carrier in the prior art is solved.
In summary, when the bluetooth communication channel is used in the process of online transaction, the access of the secure element does not require a complex protocol, the process is simple and includes a verification mechanism, and the detailed configuration of the package of the mobile payment card disclosed in the embodiment of the present invention can further provide high reliability and improve stability, and achieve a wider user experience in the application level under the mobile payment card having both near field communication capability and bluetooth communication capability.
It should be noted that various aspects of the embodiments described above may be combined with and/or substituted for one another, unless such combinations and/or substitutions are mutually exclusive.
Although the present invention has been described in terms of the above embodiments, it should be understood that equivalent modifications made in accordance with the present invention by those of ordinary skill in the art are intended to be included within the scope of the present invention without departing from the scope of the present invention.
Claims (24)
1. An on-line payment method is applied to a mobile communication device with a device end Bluetooth communication module, the mobile communication device is provided with a mobile payment card with a payment card end Bluetooth communication module, and the mobile payment card is internally provided with an intelligent authentication module, the method comprises the following steps:
a payment procedure, which is used for wireless communication between the device end Bluetooth communication module and the payment card end Bluetooth communication module and is used as a verification pipeline for online payment, so that the mobile communication device can access the intelligent authentication module to complete online payment, wherein the mobile payment card is internally provided with a safety element used as the intelligent authentication module, and the payment procedure comprises:
responding to an authentication request program of an online payment service providing system, and wirelessly transmitting a corresponding authentication command packet by the device end Bluetooth communication module of the mobile communication device in a Bluetooth communication mode according to a received authentication request packet by the mobile communication device;
enabling the payment card end Bluetooth communication module of the mobile payment card to receive the authentication command packet in a Bluetooth communication mode and wirelessly transmit a correspondingly generated security key packet in the Bluetooth communication mode; and
and enabling the device end Bluetooth communication module of the mobile communication device to receive the security key package and submit the security key package to the online payment service providing system.
2. The method of claim 1, the payment program comprising:
the mobile communication device receives the authentication result of the on-line payment service providing system, completes the authentication request program after the authentication is successful, and wirelessly transmits a corresponding payment request packet in a Bluetooth communication mode;
a payment request program, which makes the mobile payment card perform payment action according to the payment request packet received by the payment card end Bluetooth communication module, and wirelessly transmits a payment result report packet by the payment card end Bluetooth communication module; and
and enabling the device end Bluetooth communication module of the mobile communication device to receive the payment result report packet to complete the on-line mobile payment procedure.
3. The method as claimed in claim 2, wherein after the authentication of the online payment service providing system is successful and before the payment request packet is generated, at least one of the following additional authentication processes is further included, and the payment request packet is generated after all the additional authentication processes are successfully authenticated:
a user identification information authentication procedure, which makes the mobile communication device obtain a biological characteristic information, and compares the biological characteristic information with the user biological characteristic information stored in the mobile communication device, and after the comparison is successful, the authentication is successful; and
a user password authentication procedure, which makes the mobile communication device obtain a password information and compares it with the user password information stored in the mobile communication device, and after the comparison is successful, the authentication is successful.
4. The method of claim 3, wherein the biometric information comprises at least one of: user fingerprint information, user face information, user pupil information and user voiceprint information.
5. A computer program product for on-line payment is carried on a computer device, the computer device is provided with a device end Bluetooth communication module and is provided with a mobile payment card with a payment card end Bluetooth communication module, a safety element serving as an intelligent authentication module is arranged in the mobile payment card, the computer device loads the program to execute a payment program, wherein the payment program is in wireless communication with the payment card end Bluetooth communication module through the device end Bluetooth communication module and serves as a verification pipeline for on-line payment, and the computer device accesses the intelligent authentication module to finish on-line payment, wherein the computer device is a mobile communication device, the payment program is applied to the mobile communication device with the device end Bluetooth communication module, and the mobile communication device is provided with the mobile payment card with the payment card end Bluetooth communication module The steps of the payment procedure comprising the method according to one of claims 1 to 4.
6. A mobile payment card for use in the method of claim 1 or the computer program product of claim 5, comprising:
a coating material; and
a package of system in package, which is partially encapsulated by the encapsulation material, the package having: the communication chip is used as a communication chip of the payment card end Bluetooth communication module, a corresponding antenna circuit and a safety element used as an intelligent authentication module, wherein the communication chip is coupled with the safety element so that a computer device can access the safety element through the communication chip by the same communication interface, thereby completing a payment procedure.
7. The mobile payment card of claim 6, wherein the packaging body comprises:
the lower packaging body is provided with a Bluetooth communication chip and a safety element serving as the intelligent authentication module;
an upper package body having a plurality of metal contacts and a Bluetooth antenna circuit, wherein at least part of each metal contact is not covered by the covering material; and
an interlayer package set disposed between the upper side of the lower package and the lower side of the upper package, the interlayer package set having at least one interlayer package, the interlayer package having a metal mesh layer and a plurality of wiring connection points, the metal mesh layer having an area smaller than that of at least one of the upper package or the lower package, the wiring connection points coupling corresponding portions of the upper package and the lower package.
8. The mobile payment card of claim 7, wherein the bluetooth antenna line is configured to overlap the metal mesh layer of the middle layer package group by no more than 20% of an area of the bluetooth antenna line in a vertical direction of the package.
9. The mobile payment card of claim 7, wherein the bluetooth antenna circuit is disposed adjacent to an edge of the upper package.
10. The mobile payment card of claim 9, wherein said bluetooth antenna line is straight and has a turn and is "L" shaped.
11. The mobile payment card of claim 9, wherein the bluetooth antenna line is spaced between 3.9mm and 4.7mm from an outer edge of the upper package.
12. The mobile payment card of claim 9, wherein the bluetooth antenna line is 4.3mm from an outer edge of the upper package.
13. A mobile payment card as recited in claim 9, wherein the bluetooth antenna circuit does not overlap the metal mesh layer of the middle layer package group in a vertical direction of the package.
14. A mobile payment card as recited in claim 9, wherein said metal mesh layer is a copper mesh layer in a grid pattern.
15. The mobile payment card of any one of claims 7-14, wherein a near field communication chip, a matching circuit and a near field communication antenna circuit are further packaged on the lower side of the lower package, the near field communication antenna circuit is coupled to the matching circuit, and the matching circuit is coupled to the near field communication chip, so that the mobile communication device can access the secure element through the bluetooth communication interface to complete the payment procedure.
16. The mobile payment card of claim 15, functioning as a subscriber identity module, wherein said plurality of metal contacts is a connection terminal set of said subscriber identity module, said connection terminal set having: VCC terminal, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal.
17. The mobile payment card of claim 16, wherein the power source terminals of the secure element are the VCC terminal and the GND terminal, and the VCC terminal and the GND terminal are coupled through the bluetooth communication chip and the near field communication chip, so that the power supply of the secure element is controlled by the bluetooth communication chip or the near field communication chip, and the secure element is enabled to a high power consumption state when a payment operation is performed.
18. The mobile payment card of claim 16, wherein the subscriber identity module has a payment security element and a telecommunication security element, the payment security element is coupled to the bluetooth communication chip and the nfc chip through different interfaces, respectively, and the telecommunication security element is coupled to a Baseband chip (Baseband Processor) of the mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal and the GND terminal.
19. The mobile payment card of claim 15, wherein the nfc chip is coupled to the bluetooth communication chip and coupled to the secure element via a general purpose input/output interface of the bluetooth communication chip.
20. The mobile payment card of claim 15, wherein the near field communication chip and the bluetooth communication chip are respectively coupled to the secure element.
21. The mobile payment card of claim 15, wherein the secure element is authenticated by One Time Password (OTP) mechanism or a dynamic password mechanism in completing the payment procedure by accessing the secure element.
22. The mobile payment card of claim 15, wherein the near field communication antenna line is disposed adjacent an edge of the lower package and is non-overlapping or overlapping with the bluetooth antenna line in a vertical direction of the package by no more than 10% of an area of the bluetooth antenna line.
23. The mobile payment card of claim 22, wherein the near field communication antenna line and the bluetooth antenna line do not overlap with the metal-mesh layer of the middle layer package group in a vertical direction of the package.
24. The mobile payment card of claim 23, wherein the system-in-package is configured such that when the mobile payment card is installed in the mobile communication device, the nfc antenna line and the bluetooth antenna line do not overlap with a metal mesh element in the mobile communication device in a vertical direction of the package, and the nfc antenna line is adjacent to a side of the mobile communication device.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210031810.8A CN114219475A (en) | 2017-06-08 | 2017-12-29 | Mobile payment card |
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW106208289U TWM549900U (en) | 2017-06-08 | 2017-06-08 | Mobile device and subscriber identity module card |
| TW106208289 | 2017-06-08 |
Related Child Applications (1)
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| CN202210031810.8A Division CN114219475A (en) | 2017-06-08 | 2017-12-29 | Mobile payment card |
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| CN109034789A CN109034789A (en) | 2018-12-18 |
| CN109034789B true CN109034789B (en) | 2022-02-15 |
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| CN202210031810.8A Pending CN114219475A (en) | 2017-06-08 | 2017-12-29 | Mobile payment card |
| CN201711467984.4A Active CN109034789B (en) | 2017-06-08 | 2017-12-29 | Method for online payment, computer program product and mobile payment card thereof |
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| CN201721455089.6U Active CN207869159U (en) | 2017-06-08 | 2017-11-03 | Mobile device and subscriber identity module card |
| CN202210031810.8A Pending CN114219475A (en) | 2017-06-08 | 2017-12-29 | Mobile payment card |
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| EP3531615B1 (en) * | 2018-02-21 | 2024-04-10 | EM Microelectronic-Marin SA | Method for authenticating a transponder communicating with a server |
| CN110992581B (en) * | 2019-10-24 | 2020-11-13 | 北京智慧中网科技有限公司 | City all-purpose card with dual identification code |
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Also Published As
| Publication number | Publication date |
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| CN109034789A (en) | 2018-12-18 |
| TWM549900U (en) | 2017-10-01 |
| CN207869159U (en) | 2018-09-14 |
| CN114219475A (en) | 2022-03-22 |
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