CN109547554B

CN109547554B - Card-free interaction system and card simulation equipment

Info

Publication number: CN109547554B
Application number: CN201811457534.1A
Authority: CN
Inventors: 简东权; 何亦凡; 马晓军; 王岱辉; 肖英伟; 谭敏; 詹义
Original assignee: Beijing Red Date Technology Co ltd; China Mobile Communications Group Co Ltd; China Mobile Group Design Institute Co Ltd
Current assignee: Beijing Red Date Technology Co ltd; China Mobile Communications Group Co Ltd; China Mobile Group Design Institute Co Ltd
Priority date: 2018-11-30
Filing date: 2018-11-30
Publication date: 2022-04-15
Anticipated expiration: 2038-11-30
Also published as: CN109547554A

Abstract

The application discloses a card-free interaction system and a simulation card device. The user side determines any analog card application to be downloaded by the analog card equipment; and sending a downloading request of any analog card application to the server. The server sends a download instruction for any one of the emulated card applications to the emulated card device based on the download request. The simulation card equipment downloads an installation file corresponding to any simulation card application from the server side based on the downloading instruction; and installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application. The simulation card device interacts with the terminal device corresponding to any simulation card application to realize service processing based on the user registration information corresponding to any simulation card application and the device interaction information of the terminal device corresponding to any simulation card application. The method and the device can realize card-free interaction based on user requirements.

Description

Card-free interaction system and card simulation equipment

Technical Field

The application belongs to the technical field of internet, and particularly relates to a card-free interaction system and a card simulation device.

Background

At present, different service cards are used for obtaining life services of various aspects of clothes, eating, housing, work, entertainment and the like of a user according to different life scene requirements in daily life of the user. The service card may include a bank card, a membership card, a loyalty card, an employee card, an access card, a transportation card, a water card, a power card, and the like. For example, a user needs to pay by using a bank card and use a membership card or a credit card to perform consumption credit in daily shopping and catering, needs to pay by using a traffic card when taking public transportation, needs to authenticate the identity by using the membership card or an access card in work or life, needs a water card and an electricity card when paying water and electricity charges, and the like.

Although the corresponding service convenience can be obtained through the service card, the user needs to find the corresponding service card first to obtain a certain service convenience, and particularly when the number of the service cards of the user is large, the user may present a wrong service card or waste a lot of time to find the corresponding service card, thereby causing great inconvenience to the user.

Disclosure of Invention

In view of this, the application provides a card-free interaction system and an analog card device, and a user only needs to carry the analog card device to go out to realize card-free interaction, thereby bringing great convenience to the life of the user.

The application provides a card-free interaction system, which comprises a server, a user side and an analog card device, wherein the user side and the analog card device are respectively connected with the server;

the user side is used for determining any analog card application to be downloaded by the analog card equipment; sending a downloading request of any analog card application to the server;

the server sends a downloading instruction aiming at any analog card application to the analog card equipment based on the downloading request;

the simulation card equipment downloads an installation file corresponding to any simulation card application from the server based on the downloading instruction; installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application;

the simulation card device interacts with terminal devices corresponding to any simulation card application to realize service processing based on user registration information corresponding to any simulation card application and device interaction information of the terminal devices corresponding to any simulation card application.

Preferably, the system further comprises a terminal device corresponding to any analog card application;

and the terminal equipment corresponding to any analog card application is used for establishing wireless connection with the analog card equipment to realize interaction with the analog card equipment.

Preferably, the terminal device corresponding to any analog card application is used for connecting with the server;

specifically, the interaction between the analog card device and the terminal device corresponding to any analog card application is to receive a first information acquisition request sent by the terminal device corresponding to any analog card application; based on the first information acquisition request, sending user registration information corresponding to any analog card application to terminal equipment corresponding to any analog card application;

and the terminal equipment corresponding to any analog card application is used for carrying out service processing based on the user registration information and the equipment interaction information of the terminal equipment corresponding to any analog card application.

Preferably, the terminal device corresponding to any analog card application performs service processing based on the user registration information, specifically, a first service processing request is generated based on the user registration information and the device interaction information; sending the first service processing request to the server; and the server executes corresponding service processing and feeds back a service processing result to the terminal equipment corresponding to any analog card application based on the first service processing request.

Preferably, after receiving the first service processing request sent by the terminal device corresponding to any analog card application, the server is further configured to send the service processing confirmation information to the analog card device; receiving response information aiming at the service processing confirmation information sent by the analog card equipment; judging whether to execute business processing operation based on the response information; if yes, based on the service processing request, executing corresponding service processing and feeding back a service processing result to the terminal equipment; if not, terminating the corresponding service processing;

the analog card equipment is also used for receiving response information triggered by user operation aiming at the service processing confirmation information; and sending the response information to the server.

Preferably, the analog card device sends the user registration information corresponding to any analog card application to the terminal device corresponding to any analog card application based on the first information acquisition request, specifically, determines a service type corresponding to the first information acquisition request; determining user registration sub-information corresponding to the service type in user registration information corresponding to any simulation card application; sending the user registration sub-information to terminal equipment corresponding to any analog card application;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration information, specifically, performing service processing based on the user registration sub-information.

Preferably, the interaction between the analog card device and the terminal device corresponding to any analog card application is specifically that the analog card device sends a second information acquisition request to the terminal device corresponding to any analog card application; acquiring equipment interaction information of terminal equipment corresponding to any analog card application; sending the equipment interaction information and user registration information corresponding to any analog card application to the server;

the server performs service processing based on the equipment interaction information and the user registration information;

the terminal device corresponding to any analog card application is used for receiving a second information acquisition request sent by the analog card device; and sending the device interaction information corresponding to any simulation card application to the simulation card device.

Preferably, the server is further configured to send the service processing result to a terminal device corresponding to any one of the analog card applications by using the analog card device after performing service processing based on the device interaction information and the user registration information;

and the terminal equipment corresponding to any simulation card application is also used for executing corresponding processing operation based on the service processing result.

Preferably, the sending, by the analog card device, the device interaction information and the user registration information corresponding to any analog card application to the server specifically includes generating a second service processing request based on the device interaction information and the user registration information corresponding to any analog card application; sending the second service processing request to the server;

the service end performs service processing based on the device interaction information and the user registration information, specifically, performs service processing based on the second service processing request.

Preferably, the sending, by the analog card device, the device interaction information and the user registration information corresponding to any analog card application to the server specifically determines a service type corresponding to the device interaction information; determining user registration sub-information corresponding to the service type in user registration information corresponding to any simulation card application; sending the equipment interaction information and the user registration sub-information to the server;

the service end performs service processing based on the device interaction information and the user registration information, specifically, performs service processing based on the device interaction information and the user registration sub-information.

Preferably, the simulation card device is further configured to generate a download success prompt message corresponding to any simulation card application after successfully downloading the installation file corresponding to any simulation card application; sending the prompt information of successful downloading to the server;

the server is also used for sending the download success prompt information to the user side;

and the user side updates a downloaded analog card application list aiming at the analog card equipment based on the download success prompt information.

Preferably, after the analog card device successfully installs any analog card application based on the installation file, the analog card device is further configured to send installation success prompt information for any analog card application to the server; obtaining user registration information corresponding to any simulation card application;

the server side sends the installation success prompt information to the user side; acquiring user registration information corresponding to any analog card application sent by the user side, and sending the user registration information to analog card equipment;

the user side updates an installed simulation card application list aiming at the simulation card equipment based on the installation success prompt information; and receiving user registration information input by a user based on any simulation card application in the installed simulation card application list.

Preferably, the server is further configured to detect whether installation success prompt information for any one of the analog card applications sent by the analog card device is received within a preset time; if so, sending the installation success prompt message to the user side; if not, sending installation failure prompt information aiming at any analog card application to the user side;

the user side is also used for outputting the installation failure prompt message.

Preferably, after the analog card device installs any one of the analog card applications based on the installation file and obtains user registration information corresponding to any one of the analog card applications, the analog card device is further configured to receive an activation instruction for any one of the analog card applications, which is sent by the server; running any of the simulated card applications based on the activation instruction;

and the user side generates an activation instruction aiming at any analog card application based on user operation and sends the activation instruction to the server side.

Preferably, the simulated card device is further configured to generate a prompt message indicating that activation of any simulated card application is successful after the simulated card device runs any simulated card application based on the activation instruction; sending the activation success prompt information to the server;

the user side receives the prompt information which is sent by the server side and used for generating the activation success of any analog card application; updating an activated emulated card application list for the emulated card device based on the activation success hint information.

Preferably, the user side is further configured to generate a deactivation instruction for any one of the analog card applications in the analog card application activation list based on a user operation and send the deactivation instruction to the server side;

the analog card equipment receives a deactivation instruction which is sent by the server and aims at any analog card application; stopping running any of the analog card applications based on the deactivation instruction.

Preferably, the user side is further configured to generate an uninstalling instruction for any one of the installed emulated card applications in the emulated card application list based on a user operation; sending the unloading instruction to the server; receiving unloading success prompt information aiming at any analog card application sent by the server; updating an installed analog card device list corresponding to the analog card device based on the uninstallation success prompt message;

the simulation card equipment receives an unloading instruction which is sent by the server and aims at any simulation card application; uninstalling the any simulation card application based on the uninstalling instruction; and if the unloading is successful, generating unloading success prompt information of any simulation card application and sending the unloading success prompt information to the server.

Preferably, the user side is further configured to receive update prompt information, which is sent by the server side and is for any analog card application in the installed analog card application list; outputting the updating prompt information; generating an updating instruction for any simulation card application based on user operation; sending the updating instruction to the server; receiving successful update prompt information aiming at any analog card application sent by the server side and outputting the successful update prompt information;

the user equipment receives an updating instruction which is sent by the server and aims at any analog card application; acquiring an update file of any analog card application from the server; updating the any simulated card application based on the update file; and if any simulation card application is successfully updated, generating update success prompt information aiming at any simulation card application and sending the update success prompt information to the server.

Preferably, the analog card device is further configured to detect a device state of the analog card device and generate device state information; sending the equipment state information to the server;

the user side is further used for obtaining and displaying the device state information of the analog card device sent by the server side.

Preferably, the user side is further configured to generate a transaction record query request corresponding to the at least one emulated card application in the emulated card device based on a user operation; sending the transaction record query request to the server; receiving and displaying a transaction record which is sent by the server and corresponds to the at least one analog card application;

and the server acquires the transaction record of the at least one simulated card application on the basis of the transaction record query request of the at least one simulated card application in the corresponding simulated card equipment.

The application also provides analog card equipment which is applied to a card-free interactive system and comprises a microcontroller and a remote communication module connected with the microcontroller;

the remote communication module is used for establishing narrow-band Internet of things connection with the server; receiving a downloading instruction which is sent by the server and aims at any analog card application; sending the downloading instruction to the microcontroller;

the microcontroller is used for downloading the installation file corresponding to any analog card application from the server based on the downloading instruction; installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application; the simulation card device interacts with terminal devices corresponding to any simulation card application to realize service processing based on user registration information corresponding to any simulation card application and device interaction information of the terminal devices corresponding to any simulation card application.

Preferably, the analog card device further comprises an NFC control module connected to the microcontroller;

the NFC control module is used for receiving a terminal equipment connection request corresponding to any analog card application within a preset distance; establishing wireless connection with the terminal equipment corresponding to any analog card application based on the connection request; and interacting with the terminal equipment corresponding to any analog card application.

Preferably, the interacting of the terminal device corresponding to any one of the analog card applications by the NFC control module specifically includes receiving a first information acquisition request sent by the terminal device corresponding to any one of the analog card applications and sending the first information acquisition request to the microcontroller; receiving user registration information corresponding to any analog card application sent by the microcontroller; and sending the user registration information to the terminal equipment corresponding to any analog card application.

Preferably, the NFC control module interacts with the terminal device corresponding to any emulated card application, specifically, sends a second information acquisition request sent by the microcontroller to the terminal device corresponding to any emulated card application; receiving device interaction information sent by terminal equipment corresponding to any analog card application and sending the device interaction information to the microcontroller;

the remote communication module is also used for receiving the equipment interaction information sent by the microcontroller and the user registration information corresponding to any analog card application; and sending the equipment interaction information and the user registration information to the server so as to realize that the server performs corresponding business processing on the basis of the equipment interaction information and the user registration information.

Preferably, the analog card device further comprises a security control module;

the NFC control module is connected with the microcontroller through the safety control module, and the safety control module is used for realizing the safety processing of any analog card application running in the microcontroller and corresponding user registration information.

Preferably, the system further comprises a positioning module connected with the microcontroller;

the positioning module is used for receiving a positioning instruction sent by the microcontroller; acquiring current position information based on the positioning instruction and sending the current position information to the microcontroller;

the microcontroller is used for controlling the positioning module to collect current position information; and sending the current position information to the server through the remote communication module.

Preferably, the fingerprint identification device further comprises a fingerprint module connected with the microcontroller;

the fingerprint module is used for reading fingerprint information of a user and sending the fingerprint information to the microcontroller;

and the microcontroller performs fingerprint authentication or fingerprint storage processing based on the fingerprint information.

Preferably, the device further comprises an indicator lamp control module connected with the microcontroller;

the indicating lamp control module controls the indicating lamp connected with the indicating lamp control module to display corresponding light signals based on the driving instruction of the microcontroller.

Preferably, the device further comprises a button control module connected with the microcontroller;

the button control module is used for detecting the trigger state of any key; and sending the trigger state of any key to the microcontroller;

and the microcontroller executes corresponding operation based on the trigger state of any key.

Preferably, the microcontroller is further configured to run a self-diagnostic function application;

the self-diagnosis function application is used for monitoring the working state of each module in the analog card equipment; generating state indicating information based on the working state of each module and sending the state indicating information to the microcontroller;

and the microcontroller generates a driving instruction based on the state indicating information and outputs the driving instruction to the indicating lamp module so as to control the indicating lamp connected with the indicating lamp control module to display a corresponding light signal.

Preferably, the microcontroller is further configured to run a watchdog function application;

the watchdog function application is used for executing reset operation on the analog card equipment when monitoring that the analog card equipment is abnormal.

Preferably, the analog card device further includes a memory;

the memory is used for storing the application data of any one analog card running in the microcontroller.

Compared with the prior art, the application can obtain the following technical effects:

the application provides a card-free interaction system and a simulation card device, which comprise a server side, a user side and a simulation card device, wherein the user side and the simulation card device are respectively connected with the server side. The user side is used for determining any analog card application to be downloaded by the analog card equipment; and sending a downloading request of any analog card application to the server. And the server sends a downloading instruction aiming at any analog card application to the analog card equipment based on the downloading request. The simulation card equipment downloads an installation file corresponding to any simulation card application from the server based on the downloading instruction; and installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application. The simulation card device interacts with terminal devices corresponding to any simulation card application to realize service processing based on user registration information corresponding to any simulation card application and device interaction information of the terminal devices corresponding to any simulation card application. According to the card-free interaction system, a user can install the simulation card application corresponding to the required service to the simulation card equipment according to the user side requirement, the card-free interaction system is constructed based on the simulation card equipment and the terminal equipment corresponding to each simulation card application, the service provided by the corresponding simulated service card can be obtained by operating any simulation card application in the simulation card equipment and performing wireless connection with the corresponding terminal equipment, and therefore the card-free interaction in life is achieved, the personalized service requirement of the user is met, and great convenience is brought to the life of the user.

Drawings

The accompanying drawings, which are included to provide a further understanding of the application and are incorporated in and constitute a part of this application, illustrate embodiment(s) of the application and together with the description serve to explain the application and not to limit the application. In the drawings:

FIG. 1 is a schematic structural diagram of an embodiment of a cardless interaction system according to an embodiment of the present application;

FIG. 2 is a schematic structural diagram of another embodiment of a cardless interactive system according to an embodiment of the present application;

FIG. 3 is a schematic structural diagram of another embodiment of a cardless interactive system according to an embodiment of the present application;

FIG. 4 is a schematic structural diagram of another embodiment of a cardless interactive system according to an embodiment of the present application;

FIG. 5 is a schematic block diagram of an embodiment of an analog card device according to an embodiment of the present application;

FIG. 6 is a schematic diagram of another embodiment of an analog card device according to an embodiment of the present application;

FIG. 7 is a schematic diagram of an analog card device according to another embodiment of the present application;

FIG. 8 is a schematic diagram of an embodiment of an embeddable analog card apparatus according to an embodiment of the present disclosure;

fig. 9 is a schematic structural diagram of an embodiment of a standalone analog card device according to an embodiment of the present application.

Detailed Description

Embodiments of the present application will be described in detail with reference to the drawings and examples, so that how to implement technical means to solve technical problems and achieve technical effects of the present application can be fully understood and implemented.

In some of the flows described in the specification and claims of this application and in the above-described figures, a number of operations are included that occur in a particular order, but it should be clearly understood that these operations may be performed out of order or in parallel as they occur herein, the number of operations, e.g., 101, 102, etc., merely being used to distinguish between various operations, and the number itself does not represent any order of performance. Additionally, the flows may include more or fewer operations, and the operations may be performed sequentially or in parallel. It should be noted that, the descriptions of "first", "second", etc. in this document are used for distinguishing different messages, devices, modules, etc., and do not represent a sequential order, nor limit the types of "first" and "second" to be different.

The technical solution of the present application will be described in detail below with reference to the accompanying drawings.

Fig. 1 is a schematic structural diagram of an embodiment of a cardless interaction system according to an embodiment of the present application. The system can comprise a server 101, and a client 102 and an analog card device 103 which are respectively connected with the server 101.

The user terminal 102 is configured to determine any analog card application to be downloaded by the analog card device; and sending a download request of any analog card application to the server 101.

The server 101 sends a download instruction for any one of the emulated card applications to the emulated card device 103 based on the download request.

In practical application, the server may include an application management platform, and the user terminal 102 may be a mobile phone, a computer, a smart wearable device, or another smart device that is installed with a device APP (application program) corresponding to the analog card device. The user can log in the device APP corresponding to the simulation card application through the intelligent device to realize management and monitoring of the simulation card device. Specifically, the device APP can be registered and logged in based on the unique identification number of the analog card device. In the actual process, the user registers the user based on the user name, the mobile phone number or the mailbox, and binds the user name, the mobile phone number or the mailbox obtained after the registration with the unique identification number of the analog card device of the user, so that the user can realize the management of the analog card application through the device APP, and the management of the analog card application in the analog card device and the device management are realized. In practical application, the application management platform can also identify the unique identification number of the analog card equipment, judge whether the background has factory records of the equipment, and if the matching fails, feed back the matching result of the equipment APP to inform a user that the equipment does not exist; and if the matching is successful, feeding back an APP matching result of the equipment to inform the user that the registration is successful. When a user owns a plurality of analog card devices, the plurality of analog card devices can be bound at the same time so as to manage the plurality of analog card devices.

The device APP also provides an analog card application mall, and a user can search or search any analog card application through the analog card application mall based on service requirements and trigger generation of a download request for any analog card application. And after receiving the download request of any analog card application, the server generates a download instruction corresponding to any analog card application, so as to control corresponding analog card equipment to download and install the installation file of any analog card application based on the download instruction.

The simulation card device 103 downloads an installation file corresponding to any simulation card application from the server 101 based on the downloading instruction; and installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application.

In practical applications, the analog card device 101 may run a plurality of analog card applications, and the plurality of analog card applications may be downloaded to the analog card device by a user through a user terminal according to a user's own requirement. Optionally, the user registration information may be that after the user installs any analog card device in the analog card device, the user registration information may also be that the user registers in the analog card device according to preset user information by a worker. Of course, the user may also send the user registration information to the server through the APP side of the device, and the server sends the user registration information to the analog card device for storage, or the user may also directly input the user registration information through the analog card device, which is not specifically limited herein and may be set according to the existing function of the analog card device.

It will be appreciated that the user registration information may include user identity information, account information, and the like. The user registration information for different analog card applications is different, for example, the user registration information corresponding to the bank card application may include a bank card number, a user name, an associated mobile phone number, an identification number, and the like; for example, the user registration information corresponding to the employee card application may include employee job numbers, department codes, organization codes, user fingerprint information, avatar information, and the like; for example, the user registration information corresponding to the point card application may include a point card number, a point merchant, a user mobile phone number, a user birthday, and the like. Corresponding user registration information can be actually input according to the registration requirements of different analog card applications.

In practical application, if any analog card application needs to be installed by a worker, the worker can log in the administrator application management platform by using a special analog card device management terminal device, install any analog card application into the analog card device 103 according to any analog card application installation application provided by the user and user information corresponding to any analog card application, and store corresponding user registration information. The analog card device management terminal may be a computer device or other terminal device equipped with an administrator application management platform corresponding to the analog card device, and is not limited specifically herein. The analog card device management terminal may establish a wireless connection with the analog card device, where the wireless connection may be an NFC (Near Field Communication) wireless connection or a remote Communication connection based on a narrowband internet of things, and is not limited herein.

Optionally, in this embodiment of the application, in order to ensure the security of the application and data of the analog card, the user terminal 102 needs to implement control and management of the analog card device 103 through the server terminal 101. The server 101 and the analog card device 103 preferentially select a narrowband internet of things established based on a block chain technology for remote communication connection. The block chain technology established based on the narrow-band Internet of things can provide technical capabilities of multi-party trust, data encryption, non-tampering, data consistent storage and the like, and safety guarantee is established for multi-homing, multi-type and multi-scene card-free interaction, so that the safety of information interaction is ensured.

Of course, it can be understood that when a secure and trusted data communication connection can be established between the user terminal 102 and the analog card device 103, the user terminal 102 can directly control and manage the analog card device 103 without passing through a server, and at this time, the user terminal can also be used as an application management terminal device to implement near field communication with the analog card device. The specific setting may be set according to actual conditions, and is not particularly limited.

The simulation card device 103 interacts with a terminal device corresponding to any simulation card application to implement service processing based on the user registration information corresponding to any simulation card application and the device interaction information of the terminal device corresponding to any simulation card application.

In practical application, a user wants to obtain a service provided by any one of the analog card applications, and interaction between the analog card device installed with the any one of the analog card applications and a terminal device corresponding to the any one of the analog card applications is needed. And realizing service processing based on the user registration information corresponding to any analog card application and the equipment interaction information of the terminal equipment corresponding to any analog card application through the interaction between the analog card equipment and the terminal equipment, and obtaining convenient service brought by card-free interaction.

Optionally, the plurality of analog card applications may include a bank card application corresponding to any bank, a membership card application corresponding to any store (both online and offline stores are applicable), a loyalty card application corresponding to any mall (both online and offline stores are applicable), a employee card application corresponding to any work unit, an entrance guard card application corresponding to any electronic entrance guard, a transportation card application corresponding to any urban public transportation, a water card application and an electricity card application corresponding to any urban hydropower service department, an application corresponding to any ticket service department (both online and offline) and the like, each analog card application may correspondingly replace an existing service card and may provide corresponding services, and the plurality of analog card applications include but are not limited to the analog card applications described above, may be set according to actual design requirements and promotion requirements, and are not specifically limited herein.

In the embodiment of the application, the card-free interaction system is provided, and the control of downloading any analog card application in the analog card equipment is realized through a user side, so that the analog card application required by a user is installed in the analog card equipment, and the analog card equipment can meet the personalized requirements of different users. And the simulation card equipment installs any simulation card application based on the installation file and interacts with terminal equipment corresponding to any simulation card application after obtaining user registration information corresponding to any simulation card application. And realizing service processing based on the user registration information corresponding to any analog card application and the equipment interaction information of the terminal equipment corresponding to any analog card application. In the embodiment of the application, a user can simply and quickly obtain the convenient service provided by any running analog card application only by carrying the analog card equipment meeting the personalized use requirements of the user for going out, and great convenience is brought to the life of the user.

Fig. 2 to fig. 4 are schematic structural diagrams of another embodiment of a cardless interaction system according to an embodiment of the present application. The system may include a terminal device 104 corresponding to any analog card application, in addition to the server 101, the client 102 and the analog card device 103 described in the embodiment of fig. 1.

The terminal device 104 corresponding to any analog card application is configured to establish a wireless connection with the analog card device 103, so as to implement interaction with the analog card device 103.

Optionally, the analog card device may establish a wireless connection with the terminal device 104 corresponding to any analog card application, where the wireless connection may be a near field communication connection (preferred) based on NFC, and of course, the wireless connection may also be established with infrared rays, bluetooth, radio frequency, and the like, and any other wireless connection may be applicable to the technical solution of the present application.

Optionally, the terminal device 104 may correspond to at least one analog card application, and may of course correspond to only one analog card application, which is not specifically limited herein. When the terminal device 104 may correspond to multiple analog card applications, a store staff or a user may trigger a service type in which the terminal device is located, for example, the terminal device corresponding to the ticket application may include different service type states such as ticket inquiry, ticket purchase, ticket refund, and the like. The user or the staff can determine the current service type of the terminal device by operating the terminal device corresponding to the ticket application. Therefore, after receiving the information acquisition request sent by the analog card device 103, the device interaction information corresponding to the current service type of the information acquisition request is sent to the analog card device 103. For example, the terminal device may be a point of sale (POS) machine, the POS machine may correspond to bank card applications of multiple banks, and when a user needs to obtain a payment service of a certain bank, the POS machine may be triggered to be in a corresponding service type state of the needed bank.

Optionally, according to a connection condition between the terminal device corresponding to any analog card application and the server, the interaction between the analog card device 103 and the terminal device 104 corresponding to any analog card application may be divided into the following different interaction modes.

In practical applications, the service application function can be divided into an online application or an offline application by distinguishing from the analog card application mode. The terminal equipment corresponding to the analog card application supporting the off-line application can realize the service processing without being connected with the server side. And installing the application program and data applied by the analog card into a secure storage area of the analog card device as required to ensure the security of the transaction. The analog card applications that support the offline application may include an electronic wallet application conforming to PBOC specification, a public transportation card application conforming to the technical specification of urban public transportation of department of transportation, and other offline applications conforming to the "Mifare" standard and based on 13.56MHz, such as a car key application, an entrance guard card application, and the like, which are included in the embodiments of the present application but not limited to the above analog card applications. Online applications employing PKI authentication are primarily considered for emulated card applications that support online applications. The following describes in detail the interaction process between the terminal device corresponding to the online application and the terminal device corresponding to the offline application and the analog card device, respectively.

Therefore, optionally, in an interactive manner, as shown in fig. 2, the terminal device 104 corresponding to any analog card application is used for connecting with the server 101.

In practical application, the terminal device and the server corresponding to any analog card application can be connected with the server in a wireless or wired manner. And is not particularly limited herein.

Specifically, the analog card device 103 interacts with the terminal device 104 corresponding to any analog card application, and receives a first information acquisition request sent by the terminal device corresponding to any analog card application; and sending the user registration information corresponding to any analog card application to the terminal device 104 corresponding to any analog card application based on the first information acquisition request.

The terminal device 104 corresponding to any analog card application is configured to perform service processing based on the user registration information and device interaction information of the terminal device 104 corresponding to any analog card application.

At this time, the terminal device 104 corresponding to any analog card application cannot independently implement service processing, and needs to send the generated service processing request to the server 104, and the server 103 performs corresponding service processing based on the service processing request.

In practice, the analog card device may automatically identify the analog card application corresponding to the received message acquisition request, and determine whether the corresponding analog card application is running. Specifically, the verification may be performed by obtaining an authentication key corresponding to the analog card application carried in the message request, or by obtaining an identification code of the analog card application carried in the message request. For example, each analog card application is preset with an authentication key, and only when the authentication key is successfully verified, the corresponding analog card application corresponding user registration information is sent to the corresponding terminal device; or each analog card is marked by a preset unique identification code, corresponding user registration information corresponding to the corresponding analog card application is sent to corresponding terminal equipment only when the identification code carried in the message acquisition request is matched with the identification code corresponding to any analog card application stored in the analog card equipment, and if authentication key verification fails or identification code matching fails, message acquisition failure information is returned to the corresponding terminal equipment to prompt that the corresponding analog card equipment may not be operated or abnormal conditions such as communication failure occur in the user analog card equipment.

It can be understood that, when each analog card application is preconfigured with an authentication key or an identification code, and when each analog card application is installed in the analog card device, the authentication key or the identification code corresponding to each preset analog card application is stored at the same time, and the information may be an installation file in the analog card application, or a security control file that needs to be downloaded and installed separately, which is not limited herein.

It can be understood that, in order to illustrate that the analog card device can send the user registration information corresponding to any analog card application to the corresponding terminal device based on the message acquisition request, the present application provides the above two specific implementation manners, and the implementation examples of the present application include, but are not limited to, the above two specific implementation manners.

Optionally, in some implementation examples, the terminal device 104 corresponding to any analog card application performs service processing based on the user registration information, specifically, generates a first service processing request based on the user registration information and the device interaction information; and sending the first service processing request to the server.

The server 101 executes corresponding service processing based on the first service processing request, and feeds back a service processing result to the terminal device 104 corresponding to any analog card application.

When the terminal device corresponding to any analog card application can be connected with the server, the user registration information acquired from the analog card device and the device interaction information corresponding to the current service type state can be sent to the server, and the server performs corresponding service processing.

After receiving the user registration information fed back by the analog card device, the terminal device corresponding to any analog card application can generate a service processing request based on the user registration information and perform corresponding service processing. In practical application, when a financial payment service performed by a user, particularly a payment service provided by a bank card application, is performed, the terminal device needs to trigger generation of transaction password input prompt information and display of the transaction password input prompt information after generating a service processing request based on user registration information, so as to prompt the user to input a transaction password corresponding to the bank card application, so as to perform subsequent payment service processing.

Certainly, for some analog card applications, fast payment modes such as small-amount password-free payment and transaction key authentication payment can be supported, payment service processing can be directly performed without inputting a transaction password by a user, and the payment service processing method can be specifically set according to actual requirements and is not specifically limited herein.

It can be understood that, after the terminal device generates the service processing request based on the user registration information, it may also generate a service processing confirmation request and display it on the terminal device, and after the user confirms that there is no error, the terminal device is triggered to generate a confirmation instruction, and the terminal device executes the corresponding service processing based on the confirmation instruction.

It is understood that the terminal device corresponding to any analog card application may be, for example, a POS machine, a card puncher, a self-service ticket or vending machine, a bank access machine, an electronic lock, an intelligent electronic device, etc. which are corresponding to any analog card application and can implement wireless connection with the analog card device, and is not limited in particular herein.

In the embodiment of the application, a card-free interaction system is provided, and the analog card device establishes wireless connection with a terminal device corresponding to any analog card application to realize information interaction, so that user registration information corresponding to any analog card application is obtained. And enabling the terminal equipment corresponding to any analog card application to perform service processing based on the user registration information. According to the application, the user does not need to operate the simulation card equipment, and the simulation card equipment can automatically send the corresponding user registration information to the corresponding terminal equipment based on the message acquisition request, so that the inconvenience of feeding back wrong user registration information or wasting a large amount of time to find the corresponding simulation card application to the user is avoided. A user can simply and quickly obtain convenient service provided by any one operating analog card application only by carrying the analog card device for going out, and great convenience is brought to the life of the user.

Optionally, in a second interactive mode, as shown in fig. 3, the terminal device corresponding to the analog card application supporting the offline application is not connected to the server 101.

Optionally, in some implementation examples, specifically, the interacting between the analog card device and the terminal device corresponding to any analog card application is to receive a first information acquisition request sent by the terminal device corresponding to any analog card application; and sending the user registration information corresponding to any analog card application to the terminal equipment corresponding to any analog card application based on the first information acquisition request.

The terminal equipment supporting the off-line application can have the capability of independently processing the service, so that the corresponding service processing can be completed without sending the equipment interaction information and the user registration information to the server.

Optionally, in some implementation examples, the terminal device corresponding to any analog card application is further configured to send a transaction key obtaining request to the analog card device; and receiving a transaction key corresponding to any analog card application sent by the analog card equipment.

The step of carrying out business processing by using the corresponding terminal equipment of any analog card based on the user registration sub-information is to verify the transaction secret key; and if the verification is successful, performing corresponding service processing based on the user registration sub-information and storing corresponding service processing information.

Optionally, in some embodiments, the terminal device corresponding to any analog card application supporting the offline application may be a terminal device corresponding to a transaction key, for example, an access card application or a car key application, and the user registration information stored in the analog card device may be the transaction key. And the terminal equipment carries out verification based on the transaction secret key sent by the analog card equipment, and if the verification is successful, the automobile door can be triggered to be opened or pass through a rolling mill. The user registration information of the electronic wallet application or the public transport card application can comprise account information and a transaction key, namely, after the transaction key is successfully verified, fee deduction processing can be carried out based on the account information. However, in order to ensure that the user fee deduction of the server is consistent with the actual consumption record of the user, the terminal device needs to perform transaction record after fee deduction processing, and store the transaction record in the server through an administrator or automatically upload the transaction record to the server under the networking condition.

The application embodiment provides an interactive mode supporting terminal equipment and analog card equipment corresponding to offline application. The difference from the achievable interaction mode is that in the implementation example of the present application, the terminal device needs to additionally acquire a transaction key applied to any analog card in the analog card device, and performs service processing independently based on the transaction key and user registration information, and this process does not need the participation of the server, and the terminal device only needs to store a corresponding transaction record after the service processing is completed, and automatically sends the transaction record generated after the service processing to the server for storage through a manager or under a networking condition. The method and the device provide convenience for realizing card-free interaction with the simulated card device for the terminal device which has no networking condition or does not support networking.

Optionally, in another situation, due to some security factor limitations or usage environment limitations, for example, the usage environment in which the terminal device 104 is located does not have a condition for connecting to the internet, for example, in a relatively remote environment with weak signals, the terminal device cannot connect to the server to implement information interaction; or the terminal device is in an unsafe network environment, the indirect security between the terminal device and the server through the internet cannot be protected.

Therefore, under the condition that the device terminal 104 corresponding to any analog card application does not have a networking condition, the capability of independently performing service processing cannot be realized, and thus an optional interaction mode is provided in the embodiment of the present application.

As shown in fig. 3, optionally, in some implementation examples, specifically, the analog card device interacts with the terminal device corresponding to any analog card application, that is, the analog card device sends a second information acquisition request to the terminal device corresponding to any analog card application; acquiring equipment interaction information of terminal equipment corresponding to any analog card application; and sending the equipment interaction information and the user registration information corresponding to any analog card application to the server.

And the server performs service processing based on the equipment interaction information and the user registration information.

The device interaction information may be device registration information in the terminal device corresponding to any analog card application; the device registration information may include a registered merchant, a type of service, an authentication key, and the like. Optionally, the terminal device corresponding to any analog card application may further include an information input device for receiving input information of a merchant, where the input information may include a transaction interface type, such as a transaction type, a transaction amount, and a user right corresponding to a certain bank interface.

For a case where the terminal device corresponding to any analog card application is a card punching device, such as a patrol card terminal or an Access Control card terminal, the device interaction information may further include device ID information (e.g., a terminal device serial number, a device model, a device MAC (Media Access Control) address, etc.), device location information, and the like. The setting may be specifically performed according to an actual application scenario, and is not specifically limited herein.

In practical applications, the analog card device 103 may run and store user registration information corresponding to each of a plurality of analog card applications. The user registration information may be registered in the analog card device by a worker according to preset user information. Of course, the user may also perform installation and registration in advance according to the use requirement of the user, and is not limited specifically herein.

In practice, the emulation card device 103 may automatically recognize device interaction information corresponding to the received second message acquisition request, and determine whether a corresponding emulation card application is running. Specifically, the verification may be performed by using an authentication key corresponding to the analog card application carried in the device interaction information, or by using an identification code of the analog card application carried in the device interaction information. For example, each analog card application has a preset authentication key, and only when the authentication key is successfully verified, the corresponding analog card application corresponding user registration information is sent to the corresponding server 101; or each analog card is marked by applying a preset unique identification code, only when the identification code carried in the message acquisition request is matched with the identification code corresponding to any analog card application stored in the analog card equipment, the corresponding user registration information corresponding to the analog card application is sent to the server, and if the authentication key fails to be verified or the identification code fails to be matched, interaction failure prompt information is returned to the corresponding terminal equipment to prompt that the corresponding analog card equipment may not be operated or abnormal conditions such as communication failure occur in the user analog card equipment.

It is understood that, in order to illustrate that the analog card device may determine the user registration information corresponding to any analog card application based on the device interaction information, the present application provides the above two specific implementations, and the implementation examples of the present application include, but are not limited to, the above two specific implementations.

Optionally, in some embodiments, after performing service processing based on the device interaction information and the user registration information, the server 103 may further be configured to send the service processing result to the terminal device 102 corresponding to any analog card application by using the analog card device.

The terminal device 102 corresponding to any analog card application is further configured to execute a corresponding processing operation based on the service processing result.

Taking the terminal device corresponding to the access card application as an example, after the server 103 successfully performs the authentication based on the service processing request, the authentication success information is sent to the analog card device, and the authentication success information may be an unlocking password, such as a fixed private key or a dynamic verification code. And opening the entrance guard by using the corresponding terminal equipment of the entrance guard card based on the verification success message to release the user.

Optionally, in some embodiments, the sending, by the analog card device 101, the device interaction information and the user registration information corresponding to any analog card application to the server may specifically be that a second service processing request is generated based on the device interaction information and the user registration information corresponding to any analog card application; and sending the second service processing request to the server 101.

The service end 101 performs service processing based on the device interaction information and the user registration information, specifically, performs service processing based on the second service processing request.

In practical application, the second service processing request may be generated by the analog card device based on the device interaction information and the corresponding user registration information and sent to the server 101, or may be generated by the server after the analog card device sends the acquired device interaction information and the user registration information to the server, and specifically may be set according to actual design requirements.

In an embodiment of the present application, a card-less interaction system is provided, where the analog card device may automatically send a second message acquisition request to a corresponding terminal device after establishing a connection with a terminal device corresponding to any analog card application, so as to acquire device interaction information corresponding to the terminal device. The simulation card device determines user registration information of any simulation card application based on the device interaction information, and sends the device interaction information and the user registration information corresponding to any simulation card application to the server side, so that the server side can perform service processing based on the device interaction information and the user registration information. The simulation card equipment and the server side are narrow-band Internet of things established based on a block chain technology, and the block chain technology established based on the narrow-band Internet of things can provide technical capabilities of multi-party trust, data encryption, non-falsification, data consistent storage and the like, so that safety guarantee is established for multi-homing, multi-type and multi-scene card-free interaction, and the safety of information interaction can be guaranteed.

In practical application, no matter which interaction mode is adopted by the analog card device and the terminal device corresponding to any analog card application, when the service processing is required to be performed by the server, the process of performing the service processing at the server is similar.

Optionally, the server is further configured to send the service processing confirmation information to the analog card device after receiving the first service processing request sent by the terminal device corresponding to any analog card application; receiving response information aiming at the service processing confirmation information sent by the analog card equipment; judging whether to execute business processing operation based on the response information; if yes, based on the service processing request, executing corresponding service processing and feeding back a service processing result to the terminal equipment; if not, the corresponding service processing is terminated.

Or optionally, after receiving the second service processing request sent by the analog card device, the server is further configured to send the service processing confirmation information to the analog card device; receiving response information aiming at the service processing confirmation information sent by the analog card equipment; judging whether to execute business processing operation based on the response information; if so, based on the service processing request, performing service processing and feeding back a service processing result to the terminal equipment; if not, terminating the corresponding service processing;

In practical applications, the analog card device 103 may be configured with a display screen, and configured with an input component, such as a physical key or a fingerprint confirmation key, and the user may trigger generation of the response message through the confirmation key or the fingerprint authentication. Of course, in the same way, the service end 101 may also send the service processing result to the analog card device for display or prompt through an indicator light, where the service processing result may be set according to the actual situation.

In practical applications, for the first and second interaction modes, optionally, the analog card device sends the user registration information corresponding to any analog card application to the terminal device corresponding to any analog card application based on the first information acquisition request, specifically, determines a service type corresponding to the first information acquisition request; determining user registration sub-information corresponding to the service type in user registration information corresponding to any simulation card application; and sending the user registration sub-information to the terminal equipment corresponding to any analog card application.

After receiving the user registration sub-information sent by the analog card device, the terminal device may perform service processing on the terminal device corresponding to the analog card application supporting the offline application based on the device interaction information and the user registration sub-information corresponding to the current service type of the terminal device. For a terminal device corresponding to an analog card application supporting connection application, optionally, performing service processing on the terminal device corresponding to any analog card application based on the user registration information, specifically, generating a first service processing request based on the user registration information and the device interaction information; and sending the first service processing request to the server.

And the server executes corresponding service processing and feeds back a service processing result to the terminal equipment corresponding to any analog card application based on the first service processing request.

For the third interaction mode, optionally, the sending, by the analog card device, the device interaction information and the user registration information corresponding to any analog card application to the server specifically determines a service type corresponding to the device interaction information; determining user registration sub-information corresponding to the service type in user registration information corresponding to any simulation card application; and sending the equipment interaction information and the user registration sub-information to the server.

In practical application, whether the analog card device determines the current service type of the terminal device based on the first information acquisition request or the device interaction information, the analog card device may determine the current service type based on information such as a service type number or a service type ID. It can be understood that, when determining the user registration information, the user registration information may include a plurality of user registration sub-information, and the user registration sub-information should be determined according to a minimum usage rule based on the security of information interaction. Therefore, no matter in the first information acquisition request or the device interaction information, the information such as the service type number or the service type ID of the terminal device can be carried, so that the analog card device can determine the user registration sub-information corresponding to the current service type.

It can be understood that, after the current service state of the terminal device corresponding to any analog card application is determined, information such as a corresponding service type number or service type ID may be generated and sent to the analog card device as part of the information in the first acquisition request or part of the information in the device interaction information.

Optionally, the server 101 may include a service processing platform, configured to process a service processing request generated based on the device interaction information and the user registration information of any analog card device sent by the analog card device. The service processing platform can be respectively connected with the core service processing module, the bank module and the third-party butt joint module through the core routing module.

The core routing module is used for identifying application sources (such as an application identification code, a transaction code and the like) of the message, determining a logic processing module of the message, and then synchronously sending the message to the corresponding module for specific logic processing. For example, the core routing module receives a service processing request sent by the service processing platform, and if the service processing request is recognized as a payment request of a bank card application by the application source, the core routing module sends the service processing request to the corresponding bank module. And receiving the processing result of the bank module to the service processing request, such as processing success or failure, feeding back the processing result to the service processing platform, and sending the service processing result to the corresponding analog card device and the terminal device by the service processing platform.

The core service processing module is in direct communication with the routing module and is responsible for service processing of the supported self-owned application in the analog card device. Including off-line transactions for payment, on-line transactions, data reception, and the like. For example, the user may deposit money or the like into the electronic wallet application, and consume the money or the like at the terminal device corresponding to the electronic wallet application. The transaction processing can also be performed by corresponding terminal equipment arranged in shops, supermarkets, shopping malls, APP malls and the like which are cooperated with the self-owned simulation card application of the simulation card equipment, such as a point card application, a point application, a ticket application, a member application and the like of self-owned services. The data reception of the core service module may be used to receive transaction data sent by the analog card device or a monitoring log of the device itself.

The bank module can directly realize system butt joint with a cooperative bank through an interface. The bank module is also used for converting the request message in the business processing platform into a message meeting the bank interface specification and converting the response message of the bank into a message format in the business processing platform based on the docking interface, so that the information interaction is realized. Meanwhile, the encryption and decryption of the message and the MAC verification can be carried out to ensure the safety of information interaction.

The third party docking module may interface with a cooperating third party company or enterprise to implement a system. The business processing that the user can realize through the third party company or the enterprise and public institution that the third party butt joint module is butted can include paying water and electricity fee, gas fee, public transportation is rechargeable, property fee is paid, social security is paid etc. and provide more convenient for people for the user, this application embodiment includes but not limited to above-mentioned business processing scope can be set up according to the actual conditions. Of course, it can be understood that the third party docking module is mainly used for financial payment, and therefore, a payment account, such as an electronic wallet application in a self-owned service or a resident card application, a bank account of a bank card application in a bank service, or other accounts docked with the service processing platform, needs to be bound to the corresponding analog card application in advance, and is not limited specifically herein.

Similarly, the third-party docking module is also used for converting the request message in the service processing platform into a message meeting the third-party platform interface specification and converting the response message of the third-party platform into a message format in the service processing platform based on the docking interface, so that information interaction is realized. Meanwhile, the encryption and decryption and signature authentication of the message can be carried out to ensure the safety of information interaction.

Optionally, the service type may be determined according to services that the analog card application may provide, for example, may be divided into an identity authentication service, a transaction service, a pass-through service, a card punching service, and the like, where the identity authentication service may be divided into employee identity authentication, student identity authentication, VIP user authentication, electronic lock password authentication, smart terminal authentication, and the like, and may be implemented by any authentication manner such as collecting a fingerprint, a face, obtaining a password, obtaining a certificate number, and the like; the transaction services may include financial payment services, credit services, ticket services, user equity services, point card services, and the like. The implementation example of the present application includes, but is not limited to, the service types described above, and may be specifically set according to different usage scenarios and usage requirements, which is not specifically limited herein.

Optionally, in some embodiments, the service type is an authentication service.

The simulation card device determines that the user registration sub-information corresponding to the service type in the user registration information corresponding to any simulation card application is specifically that the user registration sub-information corresponding to any simulation card application corresponding to the identity authentication service is determined as user identity information.

Optionally, in some implementation examples, the terminal device corresponding to any one of the analog card applications is configured to perform service processing based on the user registration sub-information, specifically, perform user identity verification processing based on the user identity information.

In practical applications, the user identity information may be classified into an identity card number, a employee number, fingerprint information, an authentication key, a student card number, and the like according to different application scenarios, including but not limited to the above information. Therefore, the service processing for different application scenarios and different user identity information terminal devices is also different, as described below.

Optionally, in an application scenario, for example, when entering a specific public area, such as a station, an airport, a museum, a government department, and the like, authentication is required, device interaction information is obtained through any terminal device corresponding to the authentication application, user registration information corresponding to the authentication service in the analog card device, such as fingerprint information, head portrait information, an identity card number, and the like, is determined based on the service type of the device interaction information as the authentication service, the service end matches the user registration information based on the device interaction information and the user registration information with corresponding user registration information stored in the service end database, if matching is successful, the authentication is considered to be successful, and otherwise, the authentication fails.

Optionally, in a certain application scenario, for example, when a user opens a corresponding intelligent electronic lock through an intelligent electronic lock application in the analog card device, the analog card device needs to acquire device interaction information of the intelligent electronic lock, where the device interaction information may be a dynamic verification code or a device ID generated in real time. And determining user registration information corresponding to the identity authentication service in the analog card equipment, such as an intelligent lock authentication key, based on the service type of the equipment interaction information as the identity authentication service. The server side determines whether the authentication secret key of the intelligent electronic lock stored in the database of the server side is matched or not based on the received authentication secret key of the intelligent lock, namely the equipment ID of the intelligent electronic lock, and generates an unlocking instruction if the authentication secret key of the intelligent electronic lock stored in the database of the server side is successfully matched; and if the matching fails, prompting information about the failure of the range authentication.

Optionally, in an application scenario, for example, the analog card device acquires device interaction information through a terminal device corresponding to any insurance application or any property management registration application, and determines that a service type corresponding to the device interaction information is a contract signing service, and needs to acquire fingerprint information or signature information of a user to sign an insurance contract or sign a house buying and selling contract, and the like. Therefore, the user registration sub-information corresponding to any insurance application or any property management registration application in the analog card device is determined to be acquired as user fingerprint information or user signature information. And the server carries out the network sign of an insurance contract or a house contract based on the equipment interaction information and the user registration information.

Optionally, in an application scenario, for example, when entering a specific public area, such as a station, an airport, a museum, a government department, and the like, authentication needs to be performed, and a terminal device corresponding to any authentication application needs to acquire the user registration sub-information corresponding to the any authentication application as the identification number from the analog card device. And the terminal equipment sends the identity card number and the equipment interaction information to the server side, the server side returns verification success information after verification is successful, and otherwise, the server side returns verification failure information and displays the verification failure information on the terminal equipment.

Optionally, in an application scenario, for example, when an employee punches a card through a card punch corresponding to any card punching application, it is necessary to acquire the analog card device, where the user registration sub-information corresponding to the any card punching application is an employee number, and the employee is already punched on duty or off duty.

Alternatively, in an application scenario, for example, through a corresponding terminal device such as any insurance application or any property management registration application, fingerprint information of a user needs to be acquired for insurance contract making or house buying and selling contract making, etc. Therefore, the terminal device needs to acquire the user registration sub-information corresponding to any one of the insurance applications or any one of the property management registration applications in the analog card device as the fingerprint information.

Optionally, in a certain application scenario, for example, if a user wants to open an electronic lock (e.g., a home smart lock, an automotive electronic lock, etc.), an electronic lock corresponding to any electronic lock application needs to acquire an analog card device, the user registration sub-information corresponding to the any electronic lock application is an authentication key, the electronic lock verifies the authentication key, and the electronic lock automatically opens after successful verification.

Optionally, in some embodiments, the service type is a transaction service.

The simulation card device determines that the user registration sub-information corresponding to the service type in the user registration information corresponding to any simulation card application is account information.

Optionally, the user identity information may be divided into a card number corresponding to a bank card application, a card number corresponding to a water card application, a card number corresponding to an electric card application, a card number corresponding to a membership card application, a card number corresponding to a public transportation card application, an account number of an electronic wallet application, a card number of a loyalty card application, and the like according to different application scenarios, including but not limited to the above information. Therefore, the service processing for different application scenarios and different account information terminal devices is also different, as described below.

Optionally, in some application scenarios, for example, after the user goes to a shopping mall, a supermarket, or a restaurant to shop or eat a meal, financial payment is performed through the POS, and at this time, the POS needs to acquire a card number corresponding to any bank card application or an account number corresponding to an electronic wallet in the analog card device.

At this time, the transaction service may include a financial payment service;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, specifically, performing financial payment processing based on the account information.

Optionally, after the user finishes consuming, credit service may be performed according to the consumption amount, at this time, a card number corresponding to any credit card application in the analog card device is obtained by using a terminal device corresponding to any credit card application, and the credit amount is stored in the card number corresponding to any credit card application.

At this time, the transaction service may include a point service;

the terminal device corresponding to any analog card application is configured to perform service processing based on the user registration sub-information, specifically, perform user point processing on the account based on the account information.

Optionally, before the user performs the financial payment service processing, the user is a member of the mall, supermarket or restaurant, for example, the member may enjoy the eight-fold discount, and the card number corresponding to any one of the member card applications in the simulated card device may be preferentially obtained through any terminal device corresponding to the card application, so that the user may enjoy the corresponding member rights and interests.

Thus, the transaction service may comprise a user equity service;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, specifically, acquiring corresponding user rights and interests based on the account information, and performing financial payment transaction based on the user rights and interests.

Optionally, in an application scenario, for example, an electronic ticket (air ticket, train ticket, movie ticket, presentation ticket, sight spot ticket, etc.) is purchased through a self-service ticket purchasing machine corresponding to any ticket application, and the self-service ticket purchasing machine needs to acquire a card number corresponding to any bank card application in the analog card device or an account number corresponding to an electronic wallet to purchase a ticket. For some special tickets, such as air tickets, train tickets, etc., user identity information can also be obtained simultaneously to purchase tickets or change back electronic tickets.

Thus, the transaction service may comprise a ticket service;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, specifically, performing purchasing or refunding processing of an electronic ticket based on the account information.

Optionally, in a certain application scenario, the user may also make a point card purchase, that is, purchase virtual money for a virtual transaction, on some application platforms, such as a game website, a social networking website, and a multimedia website. Optionally, the card-ordering terminal corresponding to any card-ordering application needs to acquire a card number corresponding to any card-ordering application in the analog card device, and the card-ordering application may be bound with the electronic wallet or any bank card application in advance, so as to purchase a virtual card-ordering in the card number corresponding to the corresponding card-ordering application.

Thus, the transaction service may comprise a point card service;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, specifically, performing card ordering purchase or payment processing based on the account information.

Optionally, in an application scenario, if the user wants to pay water or electricity, the card number corresponding to the water or electricity card application in any city of the analog card device is obtained through the terminal device corresponding to the water or electricity card application in any city. The water card application or the electric card application is bound with the electronic wallet or any bank card application in advance, so that the payment of the water and electricity charge in the card number corresponding to the water card application or the electric card application is realized.

Thus, the transaction service may include a life expenditure payment service;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, and specifically, life expenditure payment processing is performed on the account based on the account information.

In practical applications, no matter whether any analog card application belongs to an online application or an offline application, a corresponding transaction key needs to be acquired for encryption or verification, so as to ensure the security of a transaction process. Optionally, in some embodiments, the terminal device corresponding to any analog card application is further configured to send a transaction key obtaining request to the analog card device; and receiving a transaction key corresponding to any analog card application sent by the analog card equipment.

For an offline application, a terminal device corresponding to the offline application needs to verify a transaction key, and the verification is successfully performed in a deduction process, such as a public transport card application. Therefore, the terminal equipment corresponding to any analog card application performs business processing based on the user registration sub-information and the equipment interaction information, specifically, the transaction secret key is verified; and if the verification is successful, performing corresponding service processing based on the user registration sub-information and the equipment interaction information and storing corresponding service processing information.

For online application, the terminal device corresponding to the online application needs to encrypt the generated service processing request by using the acquired transaction key, perform signature authentication, and then send the encrypted first service processing request to the server. And the server side decrypts the first service processing request according to a preset protocol, and performs corresponding service processing after decryption. Therefore, the terminal device corresponding to any analog card application performs service processing based on the user registration sub-information, specifically, generates a first service processing request based on the user registration information and the device interaction information; encrypting the first business processing request based on the transaction key; and sending the encrypted first service processing request to a server.

Optionally, in some embodiments, the simulated card device may also provide services for the pass-through transaction. The Token (Token) is applied in the field of blockchain and refers to a negotiable encrypted digital rights certificate, which may refer to a Token in a narrow sense. In the implementation example of the application, the block chain technology can be used for realizing the evidence-based transaction service, any analog card application can be an evidence-based wallet application which is used for specially storing the evidence, and due to the particularity of the evidence-based transaction, only private key information of a user is stored in the evidence-based wallet application. And the terminal equipment corresponding to the certificate-passing wallet application needs to acquire the user registration sub-information corresponding to the certificate-passing wallet application in the analog card equipment as private key information.

Therefore, the determination of the service type corresponding to the information acquisition request by the analog card device is specifically that the service type corresponding to the information acquisition request is determined to be a pass-through service.

The step of determining, by the analog card device, user registration sub-information corresponding to the service type in the user registration information corresponding to any analog card application is specifically determining, by the analog card device, that the user registration sub-information corresponding to any analog card application corresponding to the pass-through service is private key information.

The server is used for performing service processing based on the user registration sub-information and the equipment interaction information, and specifically, based on the private key information, an account address and transaction signature authentication information corresponding to the private key information are obtained; and performing service processing based on the account address and the transaction signature authentication information.

Optionally, in some embodiments, the service end performs service processing based on the account address and the transaction signature authentication information, specifically, performs certified transaction processing based on the account address and the transaction signature authentication information.

In practical application, the terminal device corresponding to any analog card application can also be used for performing service processing based on the user registration sub-information and the device interaction information, specifically, based on the private key information, obtaining a certificate-passing wallet address and transaction signature authentication information corresponding to the private key information; generating a first business processing request based on the certification wallet address and the transaction signature authentication information; and sending the first service processing request to a server side.

And the server side verifies the transaction signature and authenticates, and then carries out the certification transaction based on the certification wallet address.

Various real world equity certificates such as equity, bond, point and bill can be Token to make a pass transaction. The evidence-based transaction inherits a block chain decentralized high trust system and a high circulation system, can also bear actual rights and interests, is a safer and more credible transaction approach, and greatly improves the safety of information interaction.

As an achievable application scenario, the user may be given corresponding user rights by using a reward certificate, which may be, for example, a token, a point, a coupon, etc., in an offline or online consumption scenario, or in some interactive scenarios.

Optionally, in some embodiments, the service type is a card punch-in service.

The determining, by the analog card device, the user registration sub-information corresponding to the service type in the user registration information corresponding to any analog card application may specifically be determining, by the analog card device, that the user registration sub-information corresponding to any analog card application corresponding to the card punching service is user identity information.

The service end performs service processing based on the device interaction information and the user registration sub-information, specifically, the service end generates a card punching processing request based on the device interaction information and the user identity information; and storing a card punching record based on the card punching processing request.

Optionally, in an application scenario, for example, a corresponding card punching machine is applied to punch a card by an employee through any one of the simulated card devices, the simulated card device first obtains device interaction information of the card punching machine, and determines that a service type corresponding to the device interaction information is a card punching service, so as to determine that user registration information corresponding to any one of the card punching applications is an employee number. And the server records the punching time of the employee in the punching machine based on the employee number and the ID of the punching machine terminal equipment so as to punch the card by the employee on duty and/or off duty.

Optionally, in a certain application scenario, for example, a property person in a cell performs a cell security patrol, and after passing through a corresponding patrol area, performs patrol and card punching. The patrol punching is carried out by applying the corresponding punching machine through the patrol card in the analog card equipment, the punching machine card can be an NFC terminal capable of carrying out position positioning, after the property personnel patrol to a preset punching area, the equipment interaction information of the punching machine is obtained through the analog card equipment, the equipment interaction information can comprise the position information and the equipment ID of the punching machine, and the service corresponding to the equipment interaction information is determined to be the punching service, so that the user registration information of any punching application is determined. It is understood that the user registration information may include patrol information generated by the patrol personnel triggering the analog card device based on the current patrol conditions, such as all normal, abnormal, alarm, etc. And sending the device interaction information and the user registration information to the server to record the patrol time, patrol time and other conditions of the patrol to a preset area, which is not limited in detail herein.

The same situation may exist for the user registration sub-information that may be obtained for different service types, for example, the card punching service or the identity authentication service may both obtain the user identity information, but a specific service processing process also needs to be processed according to the service type and other information in the device interaction information, which is not limited specifically herein. Any application scenario may be used in at least one interaction mode, that is, the application scenario may be applicable to one or more of the three interaction modes corresponding to the analog card device and any terminal device corresponding to the analog card application, and may be set according to an actual situation, which is not specifically limited herein.

It is understood that the above-mentioned service processing application scenarios provided in the embodiments of the present application are merely illustrative, and the actual service processing capabilities thereof are related to the service processing capabilities supported by the corresponding emulated card applications, including but not limited to the above-mentioned service processing scenarios.

In practical applications, the application scenarios of the analog card device include, but are not limited to, the above, and the embodiments of the present application are merely exemplified by the above application scenarios.

Optionally, in some implementation examples, the user may also browse an installed application in the analog card device through the device APP, and may display corresponding application update information, the user selects and triggers user operations such as uninstallation, deactivation, update, and activation of the installed application according to a self-requirement, and generates an uninstall instruction, a deactivation instruction, an update instruction, an activation instruction, and the like of the installed application based on the user operations, and controls the analog card device to perform operations such as uninstallation, deactivation, update, and activation of the analog card application selected by the user through the application management platform of the server.

Optionally, in some implementation examples, after the analog card device successfully downloads the installation file corresponding to any analog card application, the analog card device is further configured to generate a download success prompt message corresponding to any analog card application; sending the prompt information of successful downloading to the server;

Optionally, in some implementation examples, after the analog card device successfully installs any analog card application based on the installation file, the analog card device is further configured to send installation success prompt information for the any analog card application to the server; obtaining user registration information corresponding to any simulation card application;

Optionally, in some implementation examples, the server is further configured to detect whether installation success prompt information for any one of the analog card applications sent by the analog card device is received within preset time; if so, sending the installation success prompt message to the user side; if not, sending installation failure prompt information aiming at any analog card application to the user side;

Optionally, in some implementation examples, after the analog card device installs any one of the analog card applications based on the installation file and obtains user registration information corresponding to the any one of the analog card applications, the analog card device is further configured to receive an activation instruction for the any one of the analog card applications, where the activation instruction is sent by the server; running any of the simulated card applications based on the activation instruction;

Optionally, in some implementation examples, the emulated card device is further configured to generate an activation success prompt message of the any emulated card application after running the any emulated card application based on the activation instruction; sending the activation success prompt information to the server;

Optionally, in some implementation examples, the user side is further configured to generate a deactivation instruction for any one of the emulated card applications in the emulated card application activation list based on a user operation, and send the deactivation instruction to the server side;

Optionally, in some implementation examples, the user side is further configured to generate an uninstalling instruction for any one of the emulated card applications in the installed emulated card application list based on a user operation; sending the unloading instruction to the server; receiving unloading success prompt information aiming at any analog card application sent by the server; updating an installed analog card device list corresponding to the analog card device based on the uninstallation success prompt message;

Optionally, in some implementation examples, the user side is further configured to receive update prompt information, sent by the server side, for any one of the analog card applications in the installed analog card application list; outputting the updating prompt information; generating an updating instruction for any simulation card application based on user operation; sending the updating instruction to the server; receiving successful update prompt information aiming at any analog card application sent by the server side and outputting the successful update prompt information;

Optionally, in some implementation examples, the analog card device is further configured to detect a device state of the analog card device and generate device state information; sending the equipment state information to the server;

Optionally, in some embodiments, the user terminal is further configured to generate a transaction record query request corresponding to the at least one emulated card application in the emulated card device based on a user operation; sending the transaction record query request to the server; receiving and displaying a transaction record which is sent by the server and corresponds to the at least one analog card application;

It can be understood that the analog card application downloaded to the analog card device must be activated for use, and the user is required to output user registration information of the analog card application after the activation operation, where the user registration information may include user identity information, account information, and the like. The user may output the user registration information through the APP terminal of the device, or may input the user registration information through the analog card device, which is not specifically limited herein.

Optionally, the user may also query the transaction record of the corresponding analog card device through the device APP. And setting query conditions such as transaction time, transaction simulation card equipment (when a plurality of simulation card equipment exist), transaction states (transaction success and transaction failure), transaction merchants and the like through the transaction record query box, and obtaining transaction record details meeting the query conditions from the server.

Optionally, the user can also query state information of the analog card device through the device APP, such as battery level, indicator light state, fingerprint control function, button state, NFC communication function, GPS function, and the like, and the analog card device can implement device self-check, and may perform device self-check in real time or based on user-triggered operation, and feed back the self-check result to the server for recording. The equipment self-check comprises hardware and software systems of the analog card equipment and function detection of the analog card application.

It can be understood that, in order to avoid a security problem caused by the fact that other people log in the device APP of the user to operate the analog card device of the user, after the user manages the analog card application in the analog card device, the user needs to trigger the confirmation key of the corresponding analog card device, so as to execute the corresponding operation based on the control instruction issued by the server.

Optionally, the device APP may also have functions of dialing or querying a customer service telephone, performing online consultation, reporting and repairing equipment, checking product offers, purchasing products through product shopping guide connection, and the like, which are not specifically limited herein.

Of course, optionally, if the analog card device has a stronger data processing function and has corresponding hardware, for example, a display, a key, and the like, the analog card application in the analog card device may be managed directly through the analog card device login device APP, which may be specifically designed according to actual situations, and is not specifically limited herein.

Optionally, as shown in fig. 4, in some embodiments, the server 101 may further include an operation management platform simulating card equipment, which is a management end facing an administrator entrance. The manager can manage the sold analog card equipment through the operation management platform, manage and serve the user, simultaneously realize the setting and management of the corresponding analog card application, count and analyze the transaction, and comprehensively master the operation condition of the ecosystem of the analog card equipment.

The administrator can also manage the equipment manufacturer and the application provider of the seller through the equipment management platform, for example, the address, the legal person, the name, the industry, the resistance mechanism code, the contact person, the contact telephone, the purchasing condition and the selling condition of the manufacturer are recorded and managed. Blacklists and the like can also be set by manufacturers with lower integrity or illegal manufacturers.

The method can also be used for classifying and managing the equipment, and is mainly used for managing the functions of simulating the card equipment classes. Device classification management is equivalent to application classification management, and is intended to better distinguish devices corresponding to applications

The method can also be used for managing the device parameters, setting the device type information through the device parameter management, increasing the selected device type when the device information is newly added, and increasing the description of the parameters of the newly added device.

The method can also be used for simulating card device management, and is mainly used for registering new devices, tracking the state of the devices, freezing the devices, unfreezing the devices and managing the blacklists of the devices.

Meanwhile, the sales volume, distribution area and use condition of the equipment of a certain model can be related in the equipment management of the analog card. The marketing situation and the application situation of certain equipment can be intuitively inquired and analyzed by managing the marketing situation and the use situation of single-model equipment.

The recommended applications and version numbers are set in the analog card, management can be carried out through analog card equipment, and the application and the frequency downloaded on the equipment can be checked to analyze the preference and the market selling trend of a user.

It is also possible to establish business rules, such as the recording of the status of equipment sale, activation, repair, factory return, maintenance, and to inquire about the date of activation, production lot, unique identification code, etc. of the analog card equipment

And all installable application software in the analog card equipment can be managed by a management user, application uploading, application updating and application downloading are mainly managed, and all applications need to be associated with an upper supplier. The loading, unloading and application updating of the application in the application management all need to be audited by a principal department, and corresponding operation can be carried out after the audit is passed.

In the application management, the downloading amount, the activation amount, the unloading amount, the number of the usage books, the updating period and the income condition of a certain type or a certain application can be searched through the query conditions, and the market trend of the application is analyzed for operators.

Optionally, the system can also perform information interaction with an APP of the user, receive online consultation, online repair and technical support of the user, and the like, so as to provide more complete after-sale service for the user.

The above description is only illustrative, and includes but not limited to the above function management, and the specific implementation and the corresponding function management can be set according to the actual situation, and are not specifically limited, and are not listed here.

In the embodiment of the application, the service processing of the online application can be realized by adding the server, and the management of any analog card application in the analog card equipment and the operation management of the analog card equipment can be realized. Meanwhile, through schematic illustration, the analog card device can realize multi-scene, multi-application, multi-type and multi-homing card-free application. Therefore, convenient service can be provided for the user, and great convenience is brought to the life of the user.

Fig. 5 is a schematic structural diagram of an embodiment of an analog card device according to an embodiment of the present disclosure. The analog card device can be applied to a card-free interactive system, and the analog card device can comprise a microcontroller 501 and a remote communication module 502 connected with the microcontroller 501.

The remote communication module 502 is used for establishing a narrowband internet of things connection with a server; receiving a downloading instruction which is sent by the server and aims at any analog card application; the download instruction is sent to the microcontroller 501.

The microcontroller 501 is configured to download, from the server, an installation file corresponding to any one of the analog card applications based on the download instruction; and installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application.

The remote communication module 502 may be an NB-IoT communication module, i.e., a narrowband wireless communication unit (preferred) for network data transmission. The system is communicated with the MCU through a USB and a serial port, and the MCU executes related processing tasks by sending an AT instruction control module.

In the aspect of hardware selection, the specific model can be SIM7000C, a NBIOT module of multi-frequency LTE-FDD and dual-frequency GPRS/EDGE. The module adopts SMT encapsulation, supports LTE CAT-M1(eMTC), NB-IoT and GPRS/EDGE, has the highest data transmission speed up to 375Kbps and low power consumption: the PSM mode is 9uA, the sleep mode is 1.3mA, and available frequency bands comprise LTEBand3(1800MHz), Band8(900MHz), GPRS/EDGE Band3, Band8 and the like.

The microcontroller 501 is used to run a plurality of analog card applications.

Optionally, the microcontroller 501 is a trusted processing unit of an analog card device, and may be integrated with peripheral interfaces such as a CPU, a memory (ROM \ RAM), a counter, a USB interface, a serial interface, a UART interface, and a DAM, and other modules are connected to the microcontroller 501 through the peripheral interfaces. In practice, the application program running in the analog card device may be stored in the memory, and the application program is read into the memory through the main control unit of the microcontroller after the start-up.

In terms of hardware selection, the microcontroller can be STM32L476JGY6BTR of Italian semiconductor company, preferably selects low-power consumption series, a CORTEX M4 kernel, a 32bit processor, 100DMIPS, 128KRAM, 1 USB interface and3 SPI interfaces, and meets configuration requirements.

Optionally, in some embodiments, the emulated card device may further include a memory for storing a plurality of emulated card applications and data thereof.

Optionally, the memory may be a FLANSH memory, and the memory may also be partitioned according to an application need, store identification information of the analog card device itself, and partition different and independent memory areas according to a need to be applied to each analog card.

In the embodiment of the application, the communication connection with the server side of the Internet of things is established through the remote communication module, the reliability of communication between the simulation card equipment and the server side is further ensured on the basis of ensuring the data transmission rate, and then a safe interaction process with multi-party trust, data encryption, non-falsification and consistent data storage is established for the simulation card equipment. A safer payment mode and a safer transaction mode are provided for the user, and the safety guarantee of the user is greatly improved.

Fig. 6 is a schematic structural diagram of another embodiment of an analog card device according to an embodiment of the present disclosure. The emulated card device may further include an NFC control module 503 and a security control module 504 connected to the microcontroller 501, in addition to the microcontroller 501 and the remote communication module 502 described in the embodiment of fig. 5.

The NFC control module 503 is configured to receive a terminal device connection request corresponding to any analog card application within a preset distance; establishing wireless connection with the terminal equipment corresponding to any analog card application based on the connection request; and interacting with the terminal equipment corresponding to any analog card application.

Specifically, the interaction between the NFC control module 503 and the terminal device corresponding to any analog card application may be receiving a first information acquisition request sent by the terminal device corresponding to any analog card application and sending the first information acquisition request to the microcontroller; receiving user registration information corresponding to any analog card application sent by the microcontroller; and sending the user registration information to the terminal equipment corresponding to any analog card application.

Optionally, in some embodiments, the interaction between the NFC control module 503 and the terminal device corresponding to any analog card application may specifically be sending a second information acquisition request sent by the microcontroller to the terminal device corresponding to any analog card application; and receiving device interaction information sent by the terminal device corresponding to any analog card application and sending the device interaction information to the microcontroller 501.

The remote communication module 502 may be further configured to receive the device interaction information and the user registration information corresponding to any analog card application, which are sent by the microcontroller 501; and sending the equipment interaction information and the user registration information to the server so as to realize that the server performs corresponding business processing on the basis of the equipment interaction information and the user registration information.

Therefore, the NFC control module of the emulated card device may also be used as a terminal device to establish a near field communication connection with an NFC module of another emulated card device, or establish a near field communication connection with other NFC devices, which is not limited specifically herein.

This NFC control module can select the model to be PN65T of NXP company in the hardware selection, and this module can support the card reader, writes the card ware, and the card simulation function supports following mainstream protocol: ISO/IEC14443A, ISO/IEC 14443B, Feilca, MIFARE can meet different interconnection requirements.

The NFC control module 503 is connected to the microcontroller 501 through the security control module 504, and the security control module 504 is configured to implement secure processing on any analog card application running in the microcontroller and corresponding user registration information.

The security control module 504 completes the function of simulating card application under the cooperation with the NFC control module 503, and receives and sends related data and application storage instructions corresponding to the microcontroller, thereby implementing secure processing of data and application. The method can be used for realizing the functions of safe storage of application and data in the analog card equipment and decryption algorithm of the encryption algorithm so as to realize the safe interaction of the analog card equipment and the terminal equipment corresponding to any analog card application.

The security control module can be embedded into PN65T of an NFC module with the model of NXP company in hardware selection, and the module can be compatible with an ESE encryption module, supports the standard of ETSI/SCP R9 and meets the security required by the financial payment function.

In practical applications, the analog card device may be integrated on a PCB board and configured with related structures and hardware devices such as NFC antenna, which are highly integrated hardware module components. Therefore, for the convenience of carrying, the analog card device can be made in the form of a key string, for example, in the form of a car key string, which is small and portable. Of course, the design may also be integrated in an intelligent electronic device, such as a smart phone, a smart watch, an electronic bracelet, an earphone, or other types of design, such as being embedded in a ring or a bracelet, or the design may also be designed independently according to actual requirements, and is not limited specifically here.

In the embodiment of the application, the provided simulation card equipment applicable to the card-free interaction system has the advantages of high integration level, small size and easiness in embedding, can be embedded into a key string, intelligent electronic equipment or other equipment for use, and can also be independently used, so that the interaction requirements in the card-free interaction system are met. Meanwhile, based on the safety control module, the safety of information interaction between the simulation card equipment and the terminal equipment corresponding to any simulation card application can be ensured, and the simulation card application transaction is further ensured to be safer.

Fig. 7 is a schematic structural diagram of another embodiment of an analog card device according to an embodiment of the present disclosure. The analog card device comprises a positioning module 505 connected with the microcontroller 501, in addition to the microcontroller 501, the remote communication module 502, the NFC control module 503 and the security control module 504 described in the embodiment example of fig. 6; a fingerprint module 506 connected to the microcontroller 501; the display device comprises an indicator lamp control module 507 connected with the microcontroller 501 and a button control module 508 connected with the microcontroller 501.

The positioning module 505 is configured to receive a positioning instruction sent by the microcontroller; and acquiring current position information based on the positioning instruction and sending the current position information to the microcontroller 501.

The microcontroller 501 is configured to control the positioning module to acquire current position information; and sends the current location information to the server via the remote communication module 504.

In practical applications, the positioning module 505 may be a positioning module such as a GPS module or a beidou module. The obtained position information can be obtained by other modules and can be used for service processing of built-in application, for example, the server can obtain the position information of the simulation card equipment in real time and feed back the position information to the APP (application) end of the user equipment, so that the user equipment can be found based on the position information when the simulation card equipment is lost.

The fingerprint module 506 is configured to read fingerprint information of a user and send the fingerprint information to the microcontroller 501.

The microcontroller 501 performs fingerprint authentication or fingerprint storage processing based on the fingerprint information.

After the fingerprint module gathered user's fingerprint information and stored, the user can set up and carry out message confirmation, authentication, on-off control etc. through this fingerprint module. The fingerprint information may also be associated with a corresponding analog card application as user registration information.

The indication lamp control module 507 controls the indication lamp connected with the indication lamp control module to display a corresponding light signal based on the driving instruction of the microcontroller.

The simulation card equipment can interact with a user through a light signal and is mainly realized through an indicator lamp control module 507 and an external indicator lamp. The indicator lights and displays different colors, which can be used for function confirmation prompts and information prompts, such as 1) prompts in communication and initiated remote communication; 2) finishing the prompt of sending the alarm signal; 3) a near field transaction communication confirmation start prompt; 4) a prompt for success or failure of the near field transaction communication. Information prompt, for example, 1) functional failure of any module of the analog card device; 2) and prompting that the battery is insufficient or full. The setting can be specifically performed according to the actual function and information interaction, and is not specifically limited herein.

Optionally, in practical applications, the microcontroller is further configured to run a self-diagnostic function application.

The self-diagnosis function application is used for monitoring the working state of each module in the analog card equipment; and generating state indicating information based on the working state of each module and sending the state indicating information to the microcontroller.

And the microcontroller generates a driving instruction based on the state indicating information and outputs the driving instruction to the indicating lamp module so as to control the indicating lamp connected with the indicating lamp control module to display a corresponding light signal. Based on the cooperation of the self-diagnosis function application and the indicator light module, the working state and the working condition of each functional module of the analog card equipment can be distinguished and confirmed.

Optionally, in some embodiments, the microcontroller is further configured to run a watchdog function application.

Specifically, the watchdog application is mainly used for monitoring an application program in the analog card device, and can automatically restart the hardware when the hardware runs into a dead loop due to reasons such as memory data confusion and program pointer errors caused by various interferences in the hardware running process, so as to realize the reset work of the hardware.

The button control module 508 is configured to detect a trigger state of any key; and sending the trigger state of any key to the microcontroller;

The user may control the analog card apparatus through an external button associated with the button control module 508. Through the combination of the buttons and the me-just control module, the functions can be realized by 1) controlling the analog card equipment to initiate remote communication so as to realize the interaction between the analog card equipment and a background system; 2) after the control simulation card equipment reads the current position, the position information and the alarm signal are sent to a background system; 3) and controlling the analog card equipment to confirm the near field communication so as to realize the interaction between the analog card equipment and the terminal equipment corresponding to any analog card application. The specific setting may be performed according to the actual function, and is not particularly limited herein.

Each module of the analog card device can be highly integrated on a PCB substrate, and an interface corresponding to each module is provided, as shown in fig. 8, which is an appearance design of the analog card device that can be realized, and can be embedded into any intelligent electronic device through a peripheral interface. The peripheral interface can comprise a fingerprint module interface, a power supply interface, a button interface, an indicator light interface, an NB-IoT antenna interface, a GPS antenna interface, an NFC antenna interface and an IO bus interface, and is used for being connected with corresponding components embedded into any intelligent electronic equipment. Of course, it is understood that fig. 8 is merely a schematic illustration, including but not limited to the above interface types and appearance images.

Alternatively, the analog card device may also be a hardware module that works independently, as shown in fig. 9. The analog card equipment also comprises a power supply control module for carrying out power supply management on each module. And is externally connected with a corresponding hardware module. For example, an NFC antenna externally connected to the NFC control module, an NB-IoT antenna externally connected to the remote communication module, a GPS antenna externally connected to the positioning module, an indicator light externally connected to the indicator light control module, and an external button externally connected to the button control module. And the power supply control module can also comprise a battery which is externally connected with the power supply control module.

It is to be understood that the above is merely illustrative of the functional modules provided to simulate the requirements of a card device for substantially cardless interaction, including but not limited to the functional modules described above.

According to the requirement, the simulation card equipment can also comprise a display module, an audio module, a touch module and the like, so that the display function, the audio playing function, the touch input function and the like of the simulation card equipment are realized, the display module, the audio playing function, the touch input function and the like are not specifically limited, and the display module, the audio playing function, the touch input module and the like can be set according to actual requirements

In the embodiment of the application, the function application and the realization of the simulation card equipment are further perfected through the positioning module, the fingerprint module, the indicator lamp control module, the button control module and the like, the information interaction and the information prompt of a user can be realized through the keys and the light, a foundation is laid for realizing that the simulation card equipment becomes an independent function module, and the thought is provided for the design and the function realization of the simulation card equipment.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include non-transitory computer readable media (transient media), such as modulated data signals and carrier waves.

As used in the specification and in the claims, certain terms are used to refer to particular components. As one skilled in the art will appreciate, manufacturers may refer to a component by different names. This specification and claims do not intend to distinguish between components that differ in name but not function. In the following description and in the claims, the terms "include" and "comprise" are used in an open-ended fashion, and thus should be interpreted to mean "include, but not limited to. "substantially" means within an acceptable error range, and a person skilled in the art can solve the technical problem within a certain error range to substantially achieve the technical effect. Furthermore, the term "coupled" is intended to encompass any direct or indirect electrical coupling. Thus, if a first device couples to a second device, that connection may be through a direct electrical coupling or through an indirect electrical coupling via other devices and couplings. The description which follows is a preferred embodiment of the present application, but is made for the purpose of illustrating the general principles of the application and not for the purpose of limiting the scope of the application. The protection scope of the present application shall be subject to the definitions of the appended claims.

It is also noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a good or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such good or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a commodity or system that includes the element

The foregoing description shows and describes several preferred embodiments of the present application, but as aforementioned, it is to be understood that the application is not limited to the forms disclosed herein, but is not to be construed as excluding other embodiments and is capable of use in various other combinations, modifications, and environments and is capable of changes within the scope of the application as described herein, commensurate with the above teachings, or the skill or knowledge of the relevant art. And that modifications and variations may be effected by those skilled in the art without departing from the spirit and scope of the application, which is to be protected by the claims appended hereto.

Claims

1. A card-free interactive system is characterized by comprising a server side, a user side and an analog card device, wherein the user side and the analog card device are respectively connected with the server side;

the simulation card device interacts with terminal equipment corresponding to any simulation card application to realize service processing based on user registration information corresponding to any simulation card application and equipment interaction information of the terminal equipment corresponding to any simulation card application;

the system also comprises terminal equipment corresponding to any analog card application; and

specifically, the analog card device sends a second information acquisition request to the terminal device corresponding to any analog card application; acquiring equipment interaction information of terminal equipment corresponding to any analog card application; sending the equipment interaction information and user registration information corresponding to any analog card application to the server;

2. The system of claim 1,

3. The system according to claim 1, wherein the terminal device corresponding to any analog card application is used for connecting with the server;

4. The system of claim 3,

the terminal equipment corresponding to any analog card application performs service processing based on the user registration information, specifically, a first service processing request is generated based on the user registration information and the equipment interaction information; sending the first service processing request to the server;

5. The system of claim 3,

the server is also used for sending the service processing confirmation information to the analog card equipment after receiving a first service processing request sent by the terminal equipment corresponding to any analog card application; receiving response information aiming at the service processing confirmation information sent by the analog card equipment; judging whether to execute business processing operation based on the response information; if yes, based on the service processing request, executing corresponding service processing and feeding back a service processing result to the terminal equipment; if not, terminating the corresponding service processing;

6. The system of claim 4,

the analog card device sends the user registration information corresponding to any analog card application to the terminal device corresponding to any analog card application based on the first information acquisition request, specifically, determines the service type corresponding to the first information acquisition request; determining user registration sub-information corresponding to the service type in user registration information corresponding to any simulation card application; and sending the user registration sub-information to the terminal equipment corresponding to any analog card application.

7. The system of claim 1,

the server side is used for sending the service processing result to the terminal equipment corresponding to any analog card application by utilizing the analog card equipment after performing service processing on the basis of the equipment interaction information and the user registration information;

8. The system of claim 1,

the simulation card device sends the device interaction information and the user registration information corresponding to any simulation card application to the server, specifically, a second service processing request is generated based on the device interaction information and the user registration information corresponding to any simulation card application; sending the second service processing request to the server;

9. The system of claim 1,

the simulation card device sends the device interaction information and the user registration information corresponding to any simulation card application to the server, and specifically, determines the service type corresponding to the device interaction information; determining user registration sub-information corresponding to the service type in user registration information corresponding to any simulation card application; sending the equipment interaction information and the user registration sub-information to the server;

10. The system of claim 1,

after the analog card equipment successfully downloads the installation file corresponding to any analog card application, the analog card equipment is also used for generating download success prompt information corresponding to any analog card application; sending the prompt information of successful downloading to the server;

11. The system of claim 1,

the simulation card equipment is also used for sending installation success prompt information aiming at any simulation card application to the server side after the simulation card equipment successfully installs any simulation card application based on the installation file; obtaining user registration information corresponding to any simulation card application;

12. The system of claim 11,

the server is further used for detecting whether installation success prompt information aiming at any analog card application sent by the analog card equipment is received within preset time; if so, sending the installation success prompt message to the user side; if not, sending installation failure prompt information aiming at any analog card application to the user side;

13. The system of claim 10,

the simulation card device is used for installing any simulation card application based on the installation file, obtaining user registration information corresponding to any simulation card application, and then receiving an activation instruction aiming at any simulation card application sent by the server; running any of the simulated card applications based on the activation instruction;

14. The system of claim 13,

the simulated card equipment is also used for generating activation success prompt information of any simulated card application after running any simulated card application based on the activation instruction; sending the activation success prompt information to the server;

15. The system of claim 14,

the user side is further used for generating a deactivation instruction aiming at any analog card application in the analog card application activation list based on user operation and sending the deactivation instruction to the server side;

16. The system of claim 11,

the user side is further used for generating an unloading instruction aiming at any simulation card application in the installed simulation card application list based on user operation; sending the unloading instruction to the server; receiving unloading success prompt information aiming at any analog card application sent by the server; updating an installed analog card device list corresponding to the analog card device based on the uninstallation success prompt message;

17. The system of claim 11,

the user side is further used for receiving update prompt information which is sent by the server side and aims at any analog card application in the installed analog card application list; outputting the updating prompt information; generating an updating instruction for any simulation card application based on user operation; sending the updating instruction to the server; receiving successful update prompt information aiming at any analog card application sent by the server side and outputting the successful update prompt information;

18. The system of claim 1,

the simulation card equipment is also used for detecting the equipment state of the simulation card equipment and generating equipment state information; sending the equipment state information to the server;

19. The system of claim 1,

the user side is also used for generating a transaction record query request corresponding to at least one analog card application in the analog card equipment based on user operation; sending the transaction record query request to the server; receiving and displaying a transaction record which is sent by the server and corresponds to the at least one analog card application;

20. The system according to claim 6, wherein the determination by the analog card device of the service type corresponding to the information acquisition request is, in particular, determination that the service type corresponding to the information acquisition request is an identity authentication service.

21. The system of claim 20,

the simulation card device determines that the user registration sub-information corresponding to the service type in the user registration information corresponding to any simulation card application is specifically that the user registration sub-information corresponding to any simulation card application corresponding to the identity authentication service is determined as user identity information;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, specifically, performing user identity verification processing based on the user identity information.

22. The system according to claim 21, wherein the determination by the emulated card device of the type of service to which the information acquisition request corresponds is, in particular, a determination that the type of service to which the information acquisition request corresponds is a transaction service.

23. The system of claim 22,

24. The system according to claim 21, wherein the determination by the analog card device of the service type corresponding to the information acquisition request is, in particular, determination that the service type corresponding to the information acquisition request is a credential service.

25. The system of claim 24,

the simulation card device determines that the user registration sub-information corresponding to the service type in the user registration information corresponding to any simulation card application is specifically that the user registration sub-information corresponding to any simulation card application corresponding to the pass-through service is determined to be private key information;

the terminal device corresponding to any analog card application is used for performing service processing based on the user registration sub-information, specifically, based on the private key information, an account address and transaction signature authentication information corresponding to the private key information are obtained; and performing service processing based on the account address and the transaction signature authentication information.

26. The system of claim 23,

the terminal equipment corresponding to any analog card application is also used for sending a transaction secret key acquisition request to the analog card equipment; receiving a transaction key corresponding to any one analog card application sent by the analog card equipment;

27. The system of claim 23, wherein the transaction service comprises a financial payment service;

28. The system of claim 23, wherein the transaction service comprises a points service;

29. The system of claim 23, wherein the transaction service comprises a ticket service;

30. The system of claim 23, wherein the transaction service comprises a user equity service;

31. The system of claim 23, wherein the transaction service comprises a point card service;

32. The system of claim 25,

and the terminal equipment corresponding to any analog card application performs service processing based on the account address and the transaction signature authentication information, specifically, performs certified transaction processing based on the account address and the transaction signature authentication information.

33. The system according to claim 9, wherein the determination, by the simulated card device, of the service type corresponding to the device interaction information specifically is determination that the service type corresponding to the device interaction information is a card punching service.

34. The system of claim 33,

the simulation card device determines that the user registration sub-information corresponding to the service type in the user registration information corresponding to any simulation card application is specifically that the user registration sub-information corresponding to any simulation card application corresponding to the card punching service is determined as user identity information;

the service end performs service processing based on the equipment interaction information and the user registration sub-information, specifically, generates a card punching processing request based on the equipment interaction information and the user identity information; and storing a card punching record based on the card punching processing request.

35. The analog card equipment is characterized by being applied to a card-free interactive system and comprising a microcontroller and a remote communication module connected with the microcontroller;

the microcontroller is used for downloading the installation file corresponding to any analog card application from the server based on the downloading instruction; installing any simulation card application based on the installation file and obtaining user registration information corresponding to any simulation card application; the simulation card device interacts with terminal equipment corresponding to any simulation card application to realize service processing based on user registration information corresponding to any simulation card application and equipment interaction information of the terminal equipment corresponding to any simulation card application;

the analog card equipment further comprises an NFC control module connected with the microcontroller; the NFC control module is used for interacting with terminal equipment corresponding to any analog card application;

the NFC control module interacts with the terminal device corresponding to any analog card application, specifically, sends a second information acquisition request sent by the microcontroller to the terminal device corresponding to any analog card application; receiving device interaction information sent by terminal equipment corresponding to any analog card application and sending the device interaction information to the microcontroller;

36. The device of claim 35, wherein the NFC control module is specifically configured to: receiving a terminal equipment connection request corresponding to any analog card application within a preset distance; establishing wireless connection with the terminal equipment corresponding to any analog card application based on the connection request; and interacting with the terminal equipment corresponding to any analog card application.

37. The device according to claim 36, wherein the NFC control module interacts with the terminal device corresponding to the any emulated card application by receiving a first information acquisition request sent by the terminal device corresponding to the any emulated card application and sending the first information acquisition request to the microcontroller; receiving user registration information corresponding to any analog card application sent by the microcontroller; and sending the user registration information to the terminal equipment corresponding to any analog card application.

38. The apparatus of claim 35, wherein the mock card apparatus further comprises a security control module;

39. The apparatus of claim 35, further comprising a positioning module connected to the microcontroller;

40. The apparatus of claim 35, further comprising a fingerprint module coupled to the microcontroller;

41. The apparatus of claim 35, further comprising an indicator light control module coupled to the microcontroller;

42. The apparatus of claim 35, further comprising a button control module connected to the microcontroller;

43. The apparatus of claim 41, wherein said microcontroller is further configured to run a self-diagnostic function application;

44. The device of claim 35, wherein the microcontroller is further configured to run a watchdog function application;

45. The device of claim 35, wherein the analog card device further comprises a memory;