CN113222586A - Active visual card supporting active and passive payment receiving and paying functions - Google Patents
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/14—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
- G06K7/1404—Methods for optical code recognition
- G06K7/1408—Methods for optical code recognition the method being specifically adapted for the type of code
- G06K7/1417—2D bar codes
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Abstract
The invention discloses an active visual card supporting active and passive payment receiving and paying functions, which relates to the field of communication and comprises an NFC controller, a keyboard module, a Bluetooth module, a display module and a main controller, wherein the NFC controller is used for switching the transaction state of the active visual card, and the transaction state comprises a card simulation state and a card reader state; the keyboard module is used for selecting a payment transaction mode and inputting a transaction type and a transaction amount; the Bluetooth module is used for carrying out wireless connection and data transmission with external equipment; the display module is used for displaying the transaction information, the payment transaction mode and the Bluetooth module MAC address; the main controller is used for controlling the NFC controller to switch the transaction state based on a payment transaction mode instruction input by the keyboard module, and driving the display module to display transaction information and the MAC address of the Bluetooth module. The invention can meet the support of various payment transaction scenes of the intelligent card.
Description
Technical Field
The invention relates to the field of communication, in particular to an active visual card supporting active and passive payment receiving and paying functions.
Background
Smart cards are the generic term for cards with embedded microchips. Most smart cards contain a microelectronic chip and require data interaction with other devices via a reader/writer. With the continuous and deep development of gold card engineering construction, smart cards have been widely used in many fields, and have obtained preliminary social and economic benefits.
Meanwhile, the smart card also relates to the field of payment transactions such as finance, but the current smart card used for payment transaction scenes can only support one transaction scene, so that the problem that the application of the smart card in the payment transaction scenes is single is caused.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to provide an active visual card supporting the active and passive payment and receipt functions, which can meet the support of various payment transaction scenes of a smart card.
In order to achieve the above purposes, the technical scheme adopted by the invention is as follows:
the NFC controller is used for switching the transaction state of the active visual card, and the transaction state comprises a card simulation state and a card reader state;
the keyboard module is used for selecting a payment transaction mode and inputting a transaction type and a transaction amount;
the Bluetooth module is used for carrying out wireless connection and data transmission with external equipment;
the display module is used for displaying the transaction information, the payment transaction mode and the MAC address of the Bluetooth module;
and the main controller is used for controlling the NFC controller to switch the transaction state based on a payment transaction mode instruction input by the keyboard module, and driving the display module to display transaction information and the MAC address of the Bluetooth module.
On the basis of the technical scheme, the transaction information comprises transaction amount and account balance.
On the basis of the technical scheme, the system further comprises a security chip, and the security chip is used for storing the transaction information.
On the basis of the technical scheme, the power supply module is further included and used for supplying power to the NFC controller, the keyboard module, the Bluetooth module, the display module, the main controller and the safety chip.
On the basis of the technical scheme, the payment transaction mode comprises a passive payment receiving and paying mode, an active payment receiving and paying mode and a Bluetooth connection mode.
On the basis of the technical scheme, under the passive payment and receipt mode:
the keyboard module selects a passive payment receiving mode displayed by the display module;
the main controller controls the NFC controller to be switched to a card simulation state to perform payment and receipt transaction with the POS machine based on a passive payment and receipt mode selected by the keyboard module, so that transaction information is obtained;
the safety chip stores the obtained transaction information and pushes the transaction information to the main controller, and the main controller drives the display module to display the transaction information.
On the basis of the technical scheme, under the mode of actively receiving and paying:
the keyboard module selects an active payment and receipt mode displayed by the display module;
the keyboard module inputs transaction types and transaction amounts;
the main controller controls the NFC controller to be switched into a card reader state to communicate with other financial cards to obtain transaction information based on an active payment and receipt mode selected by the keyboard module;
the safety chip stores the obtained transaction information and pushes the transaction information to the main controller, and the main controller drives the display module to display the transaction information.
On the basis of the technical scheme, under the Bluetooth connection mode:
the keyboard module selects a Bluetooth connection mode displayed by the display module;
the main controller drives the display module to display the MAC address of the Bluetooth module, so that after the intelligent equipment is connected with the Bluetooth module based on the MAC address of the Bluetooth module, the main controller sends the transaction information stored by the safety chip to the intelligent equipment through the Bluetooth module;
and the intelligent equipment uploads the transaction information to the server.
On the basis of the technical scheme, the MAC address of the Bluetooth module displayed by the display module is a two-dimensional code corresponding to the MAC address of the Bluetooth module.
On the basis of the technical scheme, the intelligent device is connected with the Bluetooth module, and the intelligent device is specifically as follows:
the display module displays the two-dimensional code of the MAC address of the Bluetooth module;
the intelligent equipment scans the two-dimensional code displayed by the display module to obtain the MAC address of the Bluetooth module;
based on the obtained MAC address of the Bluetooth module, the intelligent device is connected with the Bluetooth module.
Compared with the prior art, the invention has the advantages that: the NFC controller switches the card transaction state between the card simulation state and the card reader state, so that the active visual card can read other financial cards and can also be read by other transaction terminal equipment, a passive payment receiving transaction scene and an active payment receiving transaction scene are supported, and the support of various payment transaction scenes of the intelligent card is met.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic structural diagram of an active video card supporting active and passive payment and receipt functions according to an embodiment of the present invention.
Detailed Description
The embodiment of the invention provides an active visual card supporting an active and passive payment receiving and paying function, and the transaction state of the card is switched between a card simulation state and a card reader state through an NFC controller, so that the active visual card can read other financial cards and can be read by other transaction terminal equipment, a passive payment receiving transaction scene and an active payment receiving mode transaction scene are supported, and the support of various payment transaction scenes of an intelligent card is met.
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Referring to fig. 1, an active video card supporting active and passive payment functions according to an embodiment of the present invention includes an NFC (Near Field Communication) controller, a keyboard module, a bluetooth module, a display module, a host controller, a security chip, and a power module.
The NFC controller is used for switching the transaction state of the active visual card, the transaction state comprises a card simulation state and a card reader state, corresponding simulation is carried out under the action of the NFC controller, the active visual card is equivalent to a common financial card at the moment and can carry out payment transaction with other transaction terminals such as POS (Point of sale) machines and the like, and the active visual card is equivalent to a transaction terminal (such as a POS machine) at the moment and can carry out payment transaction with the common financial card at the card reader state.
The keyboard module is used for selecting a payment transaction mode and inputting a transaction type and a transaction amount; the Bluetooth module is used for carrying out wireless connection and data transmission with external equipment; the display module is used for displaying transaction information, a payment transaction mode and a Bluetooth module MAC address (physical address), wherein the transaction information comprises a transaction amount and an account balance; the main controller is used for controlling the NFC controller to switch the transaction state based on a payment transaction mode instruction input by the keyboard module, and driving the display module to display transaction information and the MAC address of the Bluetooth module. The safety chip is used for storing transaction information. The power module is used for supplying power to NFC controller, keyboard module, bluetooth module, display module, main control unit and safety chip, and power module itself still supports simultaneously and charges.
The payment transaction mode in the embodiment of the invention comprises a passive payment receiving and paying mode, an active payment receiving and paying mode and a Bluetooth connection mode. In the passive payment mode: the keyboard module selects a passive payment receiving mode displayed by the display module; the main controller controls the NFC controller to be switched to a card simulation state to perform payment and receipt transaction with the POS machine based on a passive payment and receipt mode selected by the keyboard module to obtain transaction information; the safety chip stores the obtained transaction information, the transaction information is pushed to the main controller, and the main controller drives the display module to display the transaction information.
When a user needs to use the passive payment and receipt mode, menu options on the display module can be switched through the keyboard module, the passive payment and receipt mode is selected, the NFC controller is controlled to be switched to the card simulation mode after the main controller obtains an instruction input by the keyboard module, and the NFC controller is used as a card simulation state when the user holds a card and conducts payment and receipt transaction with the POS machine. The active visual card is communicated with the POS machine to obtain transaction information, the transaction information is transmitted to the security chip through the main controller, and the security chip realizes the transaction flow and related data storage in the card. After the transaction is completed, the security chip pushes transaction information such as transaction amount, balance and the like to the main controller, and the main controller drives the display module to display the transaction information.
In the active collection and payment mode: the keyboard module selects an active payment and receipt mode displayed by the display module; the keyboard module inputs the transaction type and the transaction amount; the main controller controls the NFC controller to be switched into a card reader state to communicate with other financial cards to obtain transaction information based on an active payment and receipt mode selected by the keyboard module; the safety chip stores the obtained transaction information, the transaction information is pushed to the main controller, and the main controller drives the display module to display the transaction information.
When a user needs to use the active payment receiving mode, the menu options on the display module are switched through the keyboard module, the active payment receiving mode is selected, and after the main controller obtains an instruction input by the keyboard module, the NFC controller is controlled to be switched to the card reader mode. When a user holds the active visual card and the financial card to perform payment and receipt transaction, the type (such as small amount transaction, secret-free transaction and the like) and the transaction amount of the transaction are input through the keyboard module, the NFC controller is used as a card reader state and is communicated with the financial card to obtain transaction information, the transaction information is transmitted to the security chip through the main controller, and the transaction flow and related data storage in the card are realized through the security chip. After the transaction is completed, the safety chip pushes data such as transaction state and transaction information to the main controller, and the main controller drives the display module to display the transaction information.
In the Bluetooth connection mode: the keyboard module selects a Bluetooth connection mode displayed by the display module; the main controller drives the display module to display the MAC address of the Bluetooth module, so that after the intelligent equipment is connected with the Bluetooth module based on the MAC address of the Bluetooth module, the main controller sends the transaction information stored by the safety chip to the intelligent equipment through the Bluetooth module; and the intelligent equipment uploads the transaction information to the server.
In the embodiment of the invention, the MAC address of the Bluetooth module displayed by the display module is a two-dimensional code corresponding to the MAC address of the Bluetooth module. The intelligent device is connected with the Bluetooth module, and specifically comprises:
a: the display module displays the two-dimensional code of the MAC address of the Bluetooth module;
b: the intelligent equipment scans the two-dimensional code displayed by the display module to obtain the MAC address of the Bluetooth module;
c: based on the obtained MAC address of the Bluetooth module, the intelligent device is connected with the Bluetooth module.
When the user needs to use the Bluetooth networking communication, the menu options on the display module can be switched through the keyboard module, and the Bluetooth connection mode is selected. After the main controller obtains the instruction input by the keyboard module, the display module is driven to display the two-dimensional code pattern corresponding to the MAC address of the Bluetooth module. The user can obtain the MAC address of the Bluetooth module of the active visual card by scanning the two-dimensional code pattern by using a mobile phone or other networked intelligent equipment, so that the quick connection binding is realized. After the Bluetooth connection, the main controller can send the transaction information stored in the security chip to a mobile phone or other networked intelligent devices through the Bluetooth module and finally uploads the transaction information to the server, and data synchronization is achieved.
According to the active visual card supporting the active and passive payment receiving and paying functions, the card transaction state is switched between the card simulation state and the card reader state through the NFC controller, so that the active visual card can read other financial cards and can be read by other transaction terminal equipment, a passive payment receiving transaction scene and an active payment receiving mode transaction scene are supported, and the support of various payment transaction scenes of the intelligent card is met.
The above description is merely exemplary of the present application and is presented to enable those skilled in the art to understand and practice the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
Claims (10)
1. An active visual card supporting active and passive receipt and payment functions, comprising:
the NFC controller is used for switching the transaction state of the active visual card, and the transaction state comprises a card simulation state and a card reader state;
the keyboard module is used for selecting a payment transaction mode and inputting a transaction type and a transaction amount;
the Bluetooth module is used for carrying out wireless connection and data transmission with external equipment;
the display module is used for displaying the transaction information, the payment transaction mode and the MAC address of the Bluetooth module;
and the main controller is used for controlling the NFC controller to switch the transaction state based on a payment transaction mode instruction input by the keyboard module, and driving the display module to display transaction information and the MAC address of the Bluetooth module.
2. The active visual card supporting active and passive receipt and payment functions as claimed in claim 1, wherein: the transaction information includes a transaction amount and an account balance.
3. The active visual card supporting active and passive receipt and payment functions as claimed in claim 1, wherein: the system also comprises a security chip, wherein the security chip is used for storing transaction information.
4. An active visual card supporting active and passive receipt and payment functions as claimed in claim 3, wherein: still include power module, power module is used for supplying power to NFC controller, keyboard module, bluetooth module, display module, main control unit and security chip.
5. An active visual card supporting active and passive receipt and payment functions as claimed in claim 3, wherein: the payment transaction mode comprises a passive payment receiving mode, an active payment receiving mode and a Bluetooth connection mode.
6. The active visual card supporting active and passive receipt and payment functions of claim 5, wherein in the passive receipt and payment mode:
the keyboard module selects a passive payment receiving mode displayed by the display module;
the main controller controls the NFC controller to be switched to a card simulation state to perform payment and receipt transaction with the POS machine based on a passive payment and receipt mode selected by the keyboard module, so that transaction information is obtained;
the safety chip stores the obtained transaction information and pushes the transaction information to the main controller, and the main controller drives the display module to display the transaction information.
7. The active visual card supporting active and passive receipt and payment functions of claim 5, wherein in the active receipt and payment mode:
the keyboard module selects an active payment and receipt mode displayed by the display module;
the keyboard module inputs transaction types and transaction amounts;
the main controller controls the NFC controller to be switched into a card reader state to communicate with other financial cards to obtain transaction information based on an active payment and receipt mode selected by the keyboard module;
the safety chip stores the obtained transaction information and pushes the transaction information to the main controller, and the main controller drives the display module to display the transaction information.
8. The active visual card supporting active and passive receipt and payment functions of claim 5, wherein in the Bluetooth connection mode:
the keyboard module selects a Bluetooth connection mode displayed by the display module;
the main controller drives the display module to display the MAC address of the Bluetooth module, so that after the intelligent equipment is connected with the Bluetooth module based on the MAC address of the Bluetooth module, the main controller sends the transaction information stored by the safety chip to the intelligent equipment through the Bluetooth module;
and the intelligent equipment uploads the transaction information to the server.
9. The active visual card supporting active and passive receipt and payment functions as claimed in claim 8, wherein: the Bluetooth module MAC address displayed by the display module is a two-dimensional code corresponding to the Bluetooth module MAC address.
10. The active visual card supporting the active and passive receipt and payment functions as claimed in claim 9, wherein the smart device establishes a connection with the bluetooth module, specifically:
the display module displays the two-dimensional code of the MAC address of the Bluetooth module;
the intelligent equipment scans the two-dimensional code displayed by the display module to obtain the MAC address of the Bluetooth module;
based on the obtained MAC address of the Bluetooth module, the intelligent device is connected with the Bluetooth module.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110469907.2A CN113222586A (en) | 2021-04-28 | 2021-04-28 | Active visual card supporting active and passive payment receiving and paying functions |
| PCT/CN2021/104183 WO2022227274A1 (en) | 2021-04-28 | 2021-07-02 | Active video card supporting active/passive collection and payment functions |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110469907.2A CN113222586A (en) | 2021-04-28 | 2021-04-28 | Active visual card supporting active and passive payment receiving and paying functions |
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| CN113222586A true CN113222586A (en) | 2021-08-06 |
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| CN202110469907.2A Pending CN113222586A (en) | 2021-04-28 | 2021-04-28 | Active visual card supporting active and passive payment receiving and paying functions |
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| WO (1) | WO2022227274A1 (en) |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104881779A (en) * | 2015-06-17 | 2015-09-02 | 恒宝股份有限公司 | Device, system, and method for mobile convergence payment |
| CN106529925A (en) * | 2016-10-27 | 2017-03-22 | 飞天诚信科技股份有限公司 | Bluetooth visual card and method of realizing electronic cash transactions |
| CN109544146A (en) * | 2018-11-30 | 2019-03-29 | 北京红枣科技有限公司 | No card interactive system and simulation card apparatus |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103268511B (en) * | 2013-05-02 | 2016-03-09 | 中国工商银行股份有限公司 | Integrated circuit card, security information disposal system and method for work thereof |
| CN103577867B (en) * | 2013-11-13 | 2016-09-07 | 上海众人网络安全技术有限公司 | A kind of financial IC visible card carrying bluetooth equipment |
| CN106169091B (en) * | 2016-07-03 | 2019-11-08 | 恒宝股份有限公司 | A kind of fiscard and its application method |
| US11010752B1 (en) * | 2020-04-07 | 2021-05-18 | Bank Of America Corporation | Card-to-card direct payment with generated one-time password communicated from one card to a second card |
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2021
- 2021-04-28 CN CN202110469907.2A patent/CN113222586A/en active Pending
- 2021-07-02 WO PCT/CN2021/104183 patent/WO2022227274A1/en active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104881779A (en) * | 2015-06-17 | 2015-09-02 | 恒宝股份有限公司 | Device, system, and method for mobile convergence payment |
| CN106529925A (en) * | 2016-10-27 | 2017-03-22 | 飞天诚信科技股份有限公司 | Bluetooth visual card and method of realizing electronic cash transactions |
| CN109544146A (en) * | 2018-11-30 | 2019-03-29 | 北京红枣科技有限公司 | No card interactive system and simulation card apparatus |
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| WO2022227274A1 (en) | 2022-11-03 |
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