CN113924574A - 用于将非接触式卡与可折叠移动设备对准的设备和方法 - Google Patents

用于将非接触式卡与可折叠移动设备对准的设备和方法 Download PDF

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CN113924574A
CN113924574A CN202080038536.6A CN202080038536A CN113924574A CN 113924574 A CN113924574 A CN 113924574A CN 202080038536 A CN202080038536 A CN 202080038536A CN 113924574 A CN113924574 A CN 113924574A
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component
card
screen interface
contactless card
configuration
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杰弗里·鲁尔
拉伊科·埃琳西克
科林·哈特
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Capital One Services LLC
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Capital One Services LLC
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Abstract

提供了用于将交易卡对准的系统、方法以及设备的示例性实施例。在一个示例性实施例中，移动设备可以包括第一组件和第二组件，它们在第一配置和第二配置之间相对于彼此可折叠。移动设备还可以包括在所述第一组件内侧上的屏幕界面，以及沿着所述内侧的对准特征，所述对准特征为非接触式卡提供相对于所述屏幕界面的对准，其中所述非接触式卡在所述第一配置中由所述第二组件揭开，并且在所述第二配置中由所述第二组件覆盖。

Description

用于将非接触式卡与可折叠移动设备对准的设备和方法
技术领域
本公开涉及用户和交易卡认证，并且更具体地，涉及用于将非接触式卡与可折叠移动设备对准的设备和方法。
优先权要求
本申请要求于2019年3月28日提交的名称为“DEVICES AND METHODS FORCONTACTLESS CARD ALIGNMENT WITH A FOLDABLE MOBILE DEVICE”的美国专利申请序列号第16/367,892的优先权。上述申请的内容通过引用全部纳入本文。
背景技术
数据安全和交易完整性对企业和消费者至关重要。随着电子交易构成商业活动中越来越大的份额，这种需求也在继续增长。
电子邮件可以被用作验证交易的工具，但是电子邮件易遭受攻击并且易受到黑客行为或其他未经授权的访问。还可以使用短信息服务(SMS)消息，但是这也易受到损害。此外，即使是数据加密算法，诸如三重数据加密标准(DES)算法，也存在类似的漏洞。
虽然越来越多地使用基于芯片的金融/交易卡，为个人消费提供了比以前的技术(例如，磁条卡)更安全的特性，但是帐户访问仍然可能依赖登录凭据(例如，用户名和密码)来确认持卡人的身份。然而，如果登录凭据被泄露，或者用户的交易卡被盗，则别人可以访问该用户的帐户。
存在这些和其他缺陷。因此，需要向用户提供克服这些缺陷的适当解决方案来为交易和交易卡提供数据安全、认证和验证。此外，需要一种改进的用于帐户访问的卡/用户认证方法。
发明内容
提供本发明内容以简化形式介绍在下面的详细描述中进一步描述的概念的选择。本发明内容不旨在识别所要求保护的主题内容的关键特征或基本特征，也不旨在作为在确定所要求保护的主题内容的范围上的帮助。
本公开的实施例提供一种移动设备，包括第一组件和第二组件，它们在第一配置和第二配置之间相对于彼此可折叠。该移动设备还可以包括在第一组件内侧上的屏幕界面；以及沿着内侧的对准特征，对准特征为非接触式卡提供相对于屏幕界面的对准，其中非接触式卡在第一配置中由第二组件揭开，并且在第二配置中由第二组件覆盖。
本公开的实施例提供了一种数据传输系统，包括具有第一组件和第二组件的移动设备，它们在第一配置和第二配置之间相对于彼此可折叠。数据传输系统还可以包括在所述第一组件内侧上的屏幕界面和沿着内侧的对准特征。所述对准特征为非接触式卡提供相对于所述屏幕界面的对准，其中非接触式卡在第一配置中由第二组件揭开，并且在第二配置中由第二组件覆盖。非接触式卡还可以包括具有处理器和存储器的读卡器，其中当非接触式卡与屏幕界面对准时，读卡器可操作以通过非接触式卡发送数据。
本公开的实施例提供了一种方法，包括提供可操作以通过非接触式卡发送数据的移动设备，移动设备包括第一组件和第二组件，其中第一组件和第二组件在开放配置和闭合配置之间相对于彼此可折叠，并且其中非接触式卡在闭合配置中由第二组件覆盖，并且在开放配置中由第二组件揭开。该方法还可以包括沿着第一组件的内侧提供对准特征，该对准特征有助于非接触式卡相对于第一组件的屏幕界面的对准。该方法还可以包括确定非接触式卡是否在屏幕界面上对准，并且基于非接触式卡是否在屏幕界面上对准来提供关于非接触式卡的放置的反馈。
附图说明
附图说明了本公开的示例方法，包括其原理的实际应用，如下所示：
图1是根据示例性实施例的系统的图；
图2是示出根据示例性实施例的用于提供认证访问的序列的图；
图3是根据示例性实施例的使用交易卡的系统的图；
图4A-4B是根据示例性实施例的使用交易卡的移动设备的透视图；
图5A是根据示例性实施例的可与交易卡一起操作的移动设备的透视图；
图5B是根据示例性实施例的图5A的移动设备和交易卡的端部剖面图；
图6是根据示例性实施例的可与交易卡一起操作的移动设备的透视图；
图7是示出根据示例性实施例的用于在移动设备上对准交易卡的方法的流程图；以及
图8是示出根据示例性实施例的用于在移动设备上对准交易卡的方法的流程图。
附图不一定按比例绘制。附图仅是表示，不旨在描绘本公开的具体参数。附图旨在描绘本公开的示例性实施例，并且因此不被认为对范围的限制。在附图中，类似的编号代表类似的元素。
此外，为了说明清楚，可以省略一些图中的某些元件，或不按比例示出。剖面图可以是“切片”或“近视”剖面图的形式，为了说明清楚，省略了在“真实”剖面图中其他可见的某些背景线。此外，某些附图中可以省略一些参考编号。
具体实施方式
以下详细描述提供了参考标号的非限制性代表性示例，以具体描述本公开的不同方面的特征和教导。所描述的实施例应当被认为是能够与来自详细描述的其他实施例分开实施或组合实施。回顾该详细描述的本领域普通技术人员应该能够学习和理解本公开的不同描述方面。该详细描述应该促进对本公开的理解，以至于未具体涵盖但在已经阅读了实施例的描述的本领域技术人员的知识范围内的其他实施方式，将被理解为与本公开的应用一致。
本公开的一些实施例的目的是提供非接触式卡在翻盖或折叠屏手机内的对准和适当放置以优化卡的近场通信(NFC)无线读取。移动设备对卡的非接触式读取高度依赖于卡相对于移动设备的正确放置。在本公开中，移动设备能够提供关于诸如时间、卡的放置和/或信号强度的标准的反馈。在各种实施例中，移动设备可以在开放或闭合配置中操作，并且具有闭合翻盖或可折叠屏幕设计。可以在移动设备的屏幕界面上生成诸如标记或轮廓的对准特征以建议卡的放置。一旦在屏幕界面上放置了非接触式卡，就可以生成读数以指示对卡放置的反馈。在一些实施例中，当卡相对于移动设备是可接受地定位时，然后移动设备就可以发起卡和读卡器之间的数据传输。
图1示出了根据示例性实施例的系统100。如下面进一步讨论的，系统100可以包括卡105、客户端设备110、网络115以及服务器120。虽然图1示出了组件的单个实例，但是系统100可以包括任何数量的组件。
系统100可以包括一张或多张非接触式交易卡105(以下称为“一张或多张卡”)。卡105可以是信用卡或借记卡、RFID护照或访问卡。尽管非限制性，但是卡105可由聚氯乙烯、聚氯乙烯醋酸乙烯酯、丙烯腈-丁二烯-苯乙烯、聚碳酸酯、聚酯纤维、阳极氧化钛、钯、金、碳、纸以及生物可降解材料的一层或多层制成。在一些示例中，卡105可以具有符合ISO/IEC7810标准的ID-1格式的物理特性，并且卡105可以在其他方面符合ISO/IEC 14443标准。然而，可以理解，根据本公开的卡105可以具有不同的特性，并且本公开不限于任何特定的卡设计。
由于通过诸如RFID芯片的识别芯片的通信的方法，本文描述为非接触式，卡105还可以提供一种或多种需要接触的功能。例如，卡105可以包括连接到存在于卡105的外层上的触点的常规磁条和/或微芯片。在一些实施例中，卡105可以在示例中利用NFC，与客户端设备110无线通信。
系统100可以包括客户端设备110，其可以是支持网络的计算机。如本文所指，支持网络的计算机可以包括但不限于计算机设备或通信设备，其包括例如服务器、网络设备、个人计算机、工作站、电话、掌上PC、个人数字助理、瘦客户端、胖客户端、互联网浏览器或其他设备。客户端设备110还可以是移动设备，例如，移动设备可以包括来自
Figure BDA0003369174190000051
的iPhone、iPod、iPad或运行Apple的
Figure BDA0003369174190000053
操作系统的任何其他移动设备，运行Microsoft的
Figure BDA0003369174190000052
Mobile操作系统的任何设备，运行Google的
Figure BDA0003369174190000054
操作系统的任何设备，和/或任何其他智能手机、平板电脑或类似的可穿戴移动设备。在示例性实施例中，客户端设备110是可配置的移动设备，诸如翻盖式“翻盖手机”或折叠屏手机。
客户端设备110可以包括处理器和存储器，并且可以理解，处理电路可以包含附加组件，包括存储器、错误和奇偶校验/CRC校验器、数据编码器、防碰撞算法、控制器、命令解码器、安全原语以及防篡改硬件，如执行本文描述的功能所必需的。客户端设备110还可以包括显示器和输入设备。显示器可以是用于呈现视觉信息的任何类型的设备，诸如电脑显示器、平板显示器和移动设备屏幕，包括液晶显示器、发光二极管显示器、等离子面板以及阴极射线管显示器。输入设备可以包括可用的并由用户设备支持的用于将信息输入到用户设备的任何设备，诸如触摸屏、键盘、鼠标、光标控制设备、麦克风、数码相机、录像机或摄像机。这些设备可以被用来输入信息并且与本文描述的软件和其他设备交互。
在一些示例中，系统100的客户端设备110可以执行一个或多个应用程序，诸如软件应用程序，其启用，例如，与系统100的一个或多个组件网络通信并且发送和/或接收数据。客户端设备110可以经由一个或多个网络115与一个或多个服务器120通信，并且可以作为与服务器120的相应前端到后端对进行操作。客户端设备110可以例如从在客户端设备110上执行的移动设备应用程序向服务器120传送一个或多个请求。所述一个或多个请求可以与从服务器120检索数据相关联。服务器120可以从客户端设备110接收一个或多个请求。基于来自客户端设备110的一个或多个请求，服务器120可以被配置为从一个或多个数据库(未示出)检索请求的数据。基于从一个或多个数据库接收到所请求的数据，服务器120可以被配置为将所接收到的数据发送给客户端设备110，所接收到的数据响应于一个或多个请求。
系统100可以包括一个或多个网络115。在一些示例中，网络115可以是无线网络、有线网络或无线网络和有线网络的任何组合中的一个或多个，并且可以被配置为将客户端设备110连接到服务器120。例如，网络115可以包括以下一个或多个：光纤网络、无源光网络、电缆网络、互联网网络、卫星网络、无线局域网(LAN)、全球移动通信系统、个人通信服务、个人局域网、无线应用协议、多媒体信息服务、增强型短消息服务、短信息服务、基于时分复用的系统、基于码分多址(CDMA)的系统、D-AMPS、Wi-Fi、固定无线数据、IEEE802.11b、802.15.1、802.11n以及802.11g、蓝牙、NFC、射频识别(RFID)、Wi-Fi和/或诸如此类的网络。
另外，网络115可以包括但不限于电话线、光纤、IEEE以太网902.3、广域网、无线个域网、LAN或诸如互联网的全球网络。另外，网络115可支持互联网网络、无线通信网络、蜂窝网络等等，或其任何组合。网络115还可以包括作为独立网络运行或彼此协作运行的一个网络或上面提及的任何数量的示例性类型的网络。网络115可以利用它们通信地耦合到其中的一个或多个网络元件的一种或多种协议。网络115可以转换成或者从其他协议转换成网络设备的一种或多种协议。尽管网络115被描绘为单个网络，但是应当理解，根据一个或多个示例，网络115可以包括多个互连的网络，诸如，例如互联网、服务提供商的网络、有线电视网、企业网络(诸如信用卡协会网络)以及家庭网络。
系统100可以包括一个或多个服务器120。在一些示例中，服务器120可以包括耦合到存储器的一个或多个处理器。服务器120可被配置为中央系统、服务器或平台以在不同时间控制和调用各种数据来执行多个工作流行为。服务器120可以被配置为连接到一个或多个数据库。服务器120可以连接到至少一个客户端设备110。
图2是示出根据本公开的一个或多个实施例的用于提供用户/卡认证的示例序列的时序图。系统100可以包括卡105和客户端设备110，客户端设备110可以包括应用122和处理器124。图2可以参考如在图1中示出的类似的组件。
在过程102，应用122与卡105通信以根据标准协议接收包含持卡人数据的一次认证。例如，当在由应用122识别的交易期间使用卡105时，一次认证可以基于应用122和卡105之间的通信。
在过程104，应用122可以请求对卡105的二次认证。应用122和卡105之间的通信可以涉及卡105足够接近客户端设备110的读卡器(未示出)，以启用应用122和卡105之间的NFC数据传递，如过程106示出的。在一些实施例中，卡105被提供为与客户端设备110的屏幕界面直接物理接触。
在过程108，应用122将交易卡数据传送给处理器124。在过程112，处理器124可以执行指令以基于交易卡数据和预定识别数据之间的比较来确定是否认证交易。
在一些示例中，与卡105的通信可以由除客户端设备110之外的设备执行，诸如服务器120(例如，如在图1中示出的)。例如，处理器124可以将来自卡105的数据输出到服务器120。在一些实施例中，服务器120可以通过将从卡105接收到的数据与经由服务器120访问的交易/用户数据进行比较，来验证交易和/或用户身份。在其他实施例中，服务器120可以通过检索与卡105相关联的账户密码来验证卡105，并且将卡数据与账户密码进行比较。
图3示出了数据传输系统(以下称为“系统”)200，该系统使用卡205、一个或多个客户端设备210、网络215、服务器220、225、一个或多个硬件安全模块230以及数据库235。尽管图3示出了组件的单个实例，但是系统200可以包括任何数量的组件。
系统200可以包括一张或多张卡205。在一些示例中，卡205可以与客户端设备210进行无线通信，例如NFC通信。卡205可以包括被配置为经由NFC或其他短程协议进行通信的一个或多个芯片，诸如射频识别芯片。在其他实施例中，卡205可以通过其他方式与客户端设备210进行通信，包括但不限于蓝牙、卫星、Wi-Fi、有线通信和/或无线和有线连接的任何组合。根据一些实施例，当卡205在读卡器213的范围内时，卡205可以被配置为通过NFC与客户端设备210的读卡器213进行通信。在其他示例中，可以通过物理接口实现与卡205的通信，例如通用串行总线接口或刷卡接口。
系统200可以包括客户端设备210，其可以是支持网络的计算机。如本文所指，支持网络的计算机可以包括但不限于：例如计算机设备或通信设备，其包括例如服务器、网络设备、个人计算机、工作站、移动设备、电话、掌上PC、个人数字助理、瘦客户端、胖客户端、互联网浏览器或其他设备。一个或多个客户端设备210也可以是移动设备。移动设备可以包括来自
Figure BDA0003369174190000081
的iPhone、iPod、iPad或运行Apple的
Figure BDA0003369174190000082
操作系统的任何其他移动设备，运行Microsoft的
Figure BDA0003369174190000083
Mobile操作系统的任何设备，运行Google的
Figure BDA0003369174190000084
操作系统的任何设备，和/或任何其他智能手机或类似的可穿戴移动设备。在一些示例中，客户端设备210可以与如参考图1和图2所描述的客户端设备110相同或相似。
客户端设备210可以经由一个或多个网络215与一个或多个服务器220和225进行通信。客户端设备210可以例如从在客户端设备210上执行的应用211向一个或多个服务器220和225发送一个或多个请求。所述一个或多个请求可以与从一个或多个服务器220和225检索数据相关联。服务器220和225可以从客户端设备210接收一个或多个请求。基于来自客户端设备210的一个或多个请求，一个或多个服务器220和225可以被配置为从一个或多个数据库235检索请求的数据。基于从一个或多个数据库235所接收到的请求的数据，一个或多个服务器220和225可以被配置为将所接收到的数据发送到客户端设备210，所接收到的数据响应于一个或多个请求。例如，在一些非限制性实施例中，响应于来自服务器220和225的请求，可以从一个或多个数据库235中检索与卡205相关联的预定的用户数据和/或与卡205相关联的账户密码。
在一些实施例中，系统200可以包括一个或多个硬件安全模块(HSM)230。例如，一个或多个HSM 230可以被配置为执行如本文公开的一个或多个加密操作。在一些示例中，一个或多个HSM 230可以被配置为专用安全设备，其被配置为执行一个或多个加密操作。可以配置HSM 230使得密钥永远不会在HSM230之外泄露，而是被保存在HSM 230内。例如，一个或多个HSM 230可以被配置为执行密钥推导、解密以及MAC操作中的至少一个。一个或多个HSM230可以被包含在服务器220和225内，或者可以与之进行数据通信。
系统200可以包括一个或多个网络215。在一些示例中，网络215可以是无线网络、有线网络或无线网络和有线网络的任何组合中的一个或多个，并且可以被配置为将客户端设备210连接到服务器220、225。例如，网络215可以包括以下一个或多个：光纤网络、无源光网络、电缆网络、蜂窝网络、互联网网络、卫星网络、无线LAN、全球移动通信系统、个人通信服务、个人局域网、无线应用协议、多媒体信息服务、增强型短消息服务、短信息服务、基于时分复用的系统、基于码分多址的系统、D-AMPS、Wi-Fi、固定无线数据、IEEE 802.11b、802.15.1、802.11n以及802.11g、蓝牙、NFC、RFID、Wi-Fi和/或其网络的任何组合。作为非限制性示例，来自卡205和客户端设备210的通信可以包括NFC通信、客户端设备210和运营商之间的蜂窝网络以及运营商和后端之间的互联网。
另外，网络215可以包括但不限于电话线、光纤、IEEE以太网902.3、广域网、无线个域网、局域网或诸如互联网的全球网络。另外，网络215可以支持互联网网络、无线通信网络、蜂窝网络等等，或其任何组合。网络215还可以包括作为独立网络运行或彼此协作运行的一个网络或上面提及的任何数量的示例性类型的网络。网络215可以利用它们通信地耦合到其中的一个或多个网络元件的一种或多种协议。网络215可以转换成或者从其他协议转换成网络设备的一种或多种协议。尽管网络215被描绘为单个网络，但是应当理解，根据一个或多个示例，网络215可以包括多个互连网络，诸如，例如互联网、服务提供商的网络、有线电视网、企业网络(诸如信用卡协会网络)以及家庭网络。
在根据本公开的各种示例中，系统200的客户端设备210可以执行一个或多个应用211，并且包括一个或多个处理器212和一个或多个读卡器213。例如，诸如软件应用的一个或多个应用211可以被配置为例如启用与系统200的一个或多个组件的网络通信并且发送和/或接收数据。可以理解，尽管在图3中仅示出了客户端设备210的组件的单个实例，但是可以使用任何数量的客户端设备210。读卡器213可以被配置为从卡205读取和/或与卡205通信。结合一个或多个应用211，读卡器213可以与卡205通信。
任何客户端设备210的应用211可以使用短程无线通信(例如，NFC)与卡205进行通信。应用211可以被配置为与客户端设备210的读卡器213接口，其被配置为与卡205通信。应当注意，本领域技术人员将理解小于二十厘米的距离是与NFC范围一致的。如下面将进一步详细描述的，当在客户端设备210的屏幕界面上放置卡205时，客户端设备210能够提供关于诸如时间、卡的放置和/或信号强度的标准的反馈。
服务器220可以是与数据库235通信的网页服务器。服务器225可以包括账户服务器。在一些示例中，服务器220可以被配置为基于与数据库235中的一个或多个凭据的比较证实来自卡205和/或客户端设备210的一个或多个凭据。服务器225可以被配置为基于该比较授权来自卡205和/或客户端设备210的一个或多个请求，诸如支付交易。
图4A-4B示出了与客户端设备310一起操作的示例卡305，其可以是由服务提供商发行的支付卡，诸如信用卡、借记卡或礼品卡。在示出的实施例中，客户端设备310是铰链式的、可折叠的移动设备。例如，客户端设备310可以包括在第一配置(例如，打开)和第二配置(例如，闭合)之间相对于彼此可折叠的第一组件312和第二组件314。尽管是非限制性的，但是一组铰链311可以允许第一与第二组件312、314可旋转地耦合。客户端设备310可以包括沿着第一组件312的内侧316设置的第一屏幕界面315，以及沿着第二组件314的内侧320设置的第二屏幕界面318。可选地，客户端设备310可以包括沿着第一或第二组件312、314的外侧设置的第三屏幕界面355(图5A)。
第一屏幕界面315、第二屏幕界面318以及第三屏幕界面355中的一个或多个可以是触摸屏界面。即，屏幕界面是能够监测电流变化的显示器。例如，第一屏幕界面315、第二屏幕界面318以及第三屏幕界面355每个都可以是具有一层电容式材料以保持电荷的电容式触摸屏，其中触摸屏幕改变指定接触点处的电荷量。在其他实施例中，屏幕界面中的一个或多个可以包括电阻屏，其中来自手指的压力导致电路的导电层和电阻层彼此接触，从而改变电路的电阻。其他界面可以监测诸如声波或近红外光束的波反射的变化。还有其他界面可以使用传感器来测量当物体(诸如手指或触控笔)撞击屏幕表面时引起的振动变化，或者可以使用一个或多个摄像头来监测光影变化。
在一些实施例中，卡305可以包括耦合(例如，凹进或部分嵌入)到其表面的识别芯片308。如本文所使用的，识别芯片308可以是配置为以电磁方式交换数据的任何微处理器设备，诸如RFID芯片。RFID芯片可以包括射频感应器、易失性或非易失性存储器、微处理器、电路逻辑和/或天线。虽然在一些实施例中来自RFID芯片的电磁数据通信将以射频发生，但是其他实施例可以以不同频率交换电磁数据。尽管未示出，但是卡305还可以在反面包括磁条。
如上面描述的，卡305可以构建在可在智能卡或具有有限内存的其他设备(诸如JavaCard)上操作的软件平台上，并且可以安全地执行一个或多个或者多个应用程序或小程序。小程序可以被添加到非接触式卡中，以在各种基于移动应用程序的用例中为多因素身份验证(MFA)提供一次性密码(OTP)。小程序可以被配置为响应来自客户端设备310的读取器(诸如移动NFC读取器)的一个或多个请求(诸如近场数据交换请求)，并产生包括编码为NDEF文本标签的加密安全OTP的NDEF消息。
此外，卡305和读卡器313彼此交互以交换信息。在一些实施例中，卡305和读卡器313两者都包括一个或多个NFC通信设备，诸如天线。可以以点对点(P2P)通信模式或读写器(R/W)通信模式在天线之间交换信息和数据。在P2P通信模式中，卡305可以被配置为按照主动通信模式和/或被动通信模式操作。
如下面将进一步被描述的，卡305足够接近读卡器，使得信息通信感应地耦合到读卡器313的天线上。读卡器313可以解调所通信的信息以恢复信息。读卡器可以通过将其对应的信息调制到第二载波上，并且通过将该调制信息通信施加到天线来生成第二磁场以在主动通信模式中提供第二调制信息通信，来响应该信息。可替选地，读卡器可以通过用对应的信息调制其天线来调制第一载波以在被动通信模式中提供第二调制信息通信来响应该信息。在一些实施例中，卡305从客户端设备310获得或收集电力以恢复、处理和/或提供对信息的响应。
如在图4A-4B中进一步示出的，客户端设备310可以包括经由第一组件312的第一屏幕界面315生成的对准特征330。对准特征330为卡305提供相对于第一屏幕界面315的对准，从而将卡305定位在非常接近客户端设备310的读卡器313处。读卡器313可以是嵌入在第一和/或第二组件312、314内的组件。如将在下面更详细地被描述的，当客户端设备310处于第一打开配置时，卡305可以由第二组件314揭开，并且当客户端设备310处于第二闭合配置时，卡305由第二组件314覆盖。
在一些实施例中，对准特征330可以是经由第一屏幕界面315显示的视觉指示器。例如，如图所示出，对准特征330可以是大致对应于卡305的形状的对准窗口。然而，对准特征330实际上可以采用任何形状、配置、颜色等。在又一其他实施例中，客户端设备310可以包括一个或多个物理对准特征，诸如从第一组件312或第二组件314中的至少一个延伸的支座334。而不是将卡305对准在第一屏幕界面315的中间，用户可以简单地沿着第一屏幕界面315滑动卡305直到它遇到支座334为止。这在当第一组件和第二组件312、314处于第二闭合位置时，卡305可以被插入客户端设备310的情况下可能特别有用。
如在图4A中进一步示出的，第二屏幕界面318可以显示提示338，其邀请用户将卡305放置在第一屏幕界面315的上面。一旦卡305在第一屏幕界面315上就位，如在图4B中示出的，就可以闭合客户端设备310。
图5A-5B示出了在第二闭合配置中的卡305和客户端设备310。如图所示，第一组件312与第二组件314可旋转地耦合在一起，使得第一组件312的内侧316和第二组件314的内侧320彼此邻接以将卡305夹在它们之间。沿着第二组件314的外侧352示出的是可选的第三屏幕界面355。在一些实施例中，当客户端设备310处于第二闭合位置时，可以经由第三屏幕界面355向用户提供反馈。当在第一组件和第二组件312、314之间放置了卡305时，第三屏幕界面355可以提供关于诸如时间、卡的放置和/或信号强度的标准的反馈344。附加地，第三屏幕界面355可以生成并显示提示，其邀请用户将卡305定位在第一组件和第二组件312、314之间的中间。
如图所示，反馈344可以是指示该卡是否正确对准的文本和/或图形消息。如果卡305被认为没有正确对准，则反馈344可以指示可以如何重新定位卡(例如，向上/向下、向右/向左移动该卡等)。如果卡305正确对准，则反馈344可以指示用户继续。在另一个示例中，第三屏幕界面355可以向用户提供关于信号强度的反馈。文本和/或图形消息可以指示信号强度，其中在由读卡器313读取卡305之前，可能需要达到预定的NFC信号强度阈值。如果信号强度低于阈值，则反馈344可以指示增加信号的方法，诸如重新定位卡。
在一些实施例中，客户端设备310可以包括凹进第一和/或第二组件312、314中的槽360。槽360进一步有助于卡305的对准，并且可以允许当客户端设备310处于第二闭合位置时，卡305被插入第一组件和第二组件312、314之间。在一些实施例中，仅当客户端设备310处于第二闭合位置时，才会读取卡305。例如，卡305可能需要第一组件和第二组件312、314两者的紧密物理接近以发起数据传输。即，合上第二组件314使读取器与读卡器313接触小于2cm。客户端设备310的闭合可以将卡305锁定在最佳读取位置。在其他实施例中，当客户端设备310处于第一打开位置时，当卡305沿着第一组件312正确对准并且读卡器313位于第一组件312中时，可以读取卡305。
图6示出了可与卡405一起操作的示例客户端设备410，卡405可以是由服务提供商发行的支付卡，诸如信用卡、借记卡或礼品卡。在所示的实施例中，客户端设备410是具有柔性屏幕的可折叠智能手机。然而，客户端设备410替选地可以是平板电脑、个人数字助理、媒体播放器、电子书阅读器或显示器。如图所示，客户端设备410可以包括在第一配置(例如，打开、平放)和第二配置(例如，闭合)之间相对于彼此可折叠的第一部分412和第二部分414。尽管是非限制性的，但是第一部分和第二部分412、414可以围绕折叠位置447折叠/旋转，折叠位置447可以跨客户端设备410延伸。尽管未示出，但是折叠位置447可以是客户端设备410内的对应机械组件的结果。折叠位置447可以将客户端设备410划分成沿着第一部分412的内侧416设置的第一屏幕界面415和沿着第二部分414的内侧420设置的第二屏幕界面418。可选地，客户端设备410可以包括沿着第一和/或第二部分412、414的外侧设置的第三屏幕界面(未示出)。
如图所示，第一屏幕界面和第二屏幕界面415、418可以是跨第一部分412和第二部分414延伸的单个连续屏幕界面的一部分。在示例性实施例中，第一屏幕界面和第二屏幕界面415、418组合以提供触敏显示器，其包括用于检测用户在其上或其附近的触摸的触摸传感器。触摸传感器可以包括电阻式、表面声波、电容式(例如，表面电容)、投射式电容、互电容或自电容(例如，红外线)、光学式、色散信号和/或声学脉冲识别触摸传感器或其阵列。
第一屏幕界面和第二屏幕界面415、418可以由塑料、薄玻璃、薄金属或弹性体制成。在一些实施例中，第一屏幕界面和第二屏幕界面415、418可以包括弹性材料，诸如凝胶、弹性体、泡沫、橡胶或硅树脂或其他弹性结构，诸如中空、编织、折叠或螺旋结构，或例如织物的薄聚合物的折叠膜。在第一配置中，第一屏幕界面和第二屏幕界面415、418可以基本上彼此平面。在第二配置中，第一部分412的内侧416和第二部分414的内侧420可以彼此接触和/或非常接近。
此外，卡405和读卡器413彼此交互以交换信息。在一些实施例中，卡405和读卡器413两者都包括一个或多个NFC通信设备，诸如天线。可以以点对点(P2P)通信模式或读写器(R/W)通信模式在天线之间交换信息和数据。在P2P通信模式下，卡405可以被配置为按照主动通信模式和/或被动通信模式操作。
当客户端设备410处于第二闭合位置时，卡405足够接近读卡器，使得信息通信感应地耦合到读卡器413的天线上。读卡器413可以解调所传送的信息以恢复信息。读卡器可以通过将其对应的信息调制到第二载波上，并且通过将该调制信息通信施加到天线来生成第二磁场以在主动通信模式中提供第二调制信息通信，来响应该信息。可替选地，读卡器可以通过用对应的信息调制其天线来调制第一载波以在被动通信模式中提供第二调制信息通信来响应该信息。在一些实施例中，卡405从客户端设备410获得或收集电力以恢复、处理和/或提供对信息的响应。
如在图6中进一步示出的，客户端设备410可以包括经由第一部分412的第一屏幕界面415生成的对准特征430。对准特征430提供卡405相对于第一屏幕界面412的对准，从而当闭合第二部分414时，将卡405定位在非常接近客户端设备410的读卡器413的位置。在所示的实施例中，可以在第二部分414内嵌入读卡器413。
如在图6中进一步示出的，第二屏幕界面418可以显示提示438，其邀请用户将卡405放置在第一屏幕界面415的上面。一旦卡405在第一屏幕界面415上就位，就可以闭合客户端设备410，以发起读卡器413和卡405之间的通信。
图7是示出根据示例性实施例的方法500的流程图。将参考图4A-5B的客户端设备310和卡305来描述方法500。如图所示，在框501，方法500可以包括沿着客户端设备310的第一组件312提供对准特征330。在框503，方法500可以包括检测卡305相对于对准特征330的位置，以确定卡305相对于读卡器313的对准。在框505，方法500可以包括提供关于卡305的对准的反馈。在卡305可接受地被定位在第一组件312上面的情况下，经由第一、第二和/或第三屏幕界面显示的反馈344可以像这样指示。在卡305不可接受地被定位在第一部件312上面的情况下，反馈344可以指示用于调整卡305的方法。在框507，方法500然后可以包括当卡305可接受地被定位在第一组件312的上面时，发起卡305和读卡器313之间的数据传输。在一些实施例中，仅当已经实现了卡的对准并且客户端设备310处于第二闭合位置时，才发起卡305和读卡器313之间的数据传输。
图8是示出根据示例性实施例的方法600的流程图。在框601，方法600可以包括提供可操作以通过非接触式卡发送数据的移动设备，该移动设备包括在打开和闭合配置之间相对于第二组件可折叠的第一组件。在一些实施例中，非接触式卡在闭合配置中由第二组件覆盖，并且在打开配置中由第二组件揭开。在一些实施例中，移动设备是翻盖式手机或折叠屏手机。在一些实施例中，客户端设备是具有一个或多个柔性屏幕的可折叠智能手机。在一些实施例中，移动设备具有多个屏幕界面。在一些实施例中，屏幕界面可以是具有触摸屏能力的。在一些实施例中，非接触式卡可以是能够进行NFC通信的交易卡，诸如借记卡和/或信用卡。在一些实施例中，在第一组件和第二组件中的至少一个中凹入槽，其中当第一组件和第二组件处于闭合配置时，可以通过该槽容纳非接触式卡。
在框603，方法600还可以包括沿着第一组件的内侧提供对准特征。对准特征有助于非接触式卡相对于第一组件的屏幕界面的对准。在一些实施例中，对准特征是视觉指示器，诸如与非接触式卡的形状大致对应的点状对准窗口。在一些实施例中，经由第一屏幕界面生成和显示对准特征。在其他实施例中，对准特征可以是从第一组件和第二组件中的至少一个延伸的支座。
在框605，方法600可以包括确定非接触式卡是否在屏幕界面上对准。在框607，方法600可以包括基于非接触式卡是否在屏幕界面上对准来提供关于非接触式卡的放置的反馈。在一些实施例中，经由沿着第二组件的内侧设置的第二屏幕界面提供反馈。在一些实施例中，第二屏幕界面显示关于诸如时间、卡的放置和/或信号强度的标准的反馈。还可以向用户提供其他类型的反馈。
在框609，方法600还可以包括基于非接触式卡是否与屏幕界面对准，以允许非接触式卡和移动设备的读卡器之间的数据传输。在一些实施例中，该方法可以包括确定第一组件和第二组件从打开配置到闭合配置的配置变化，并且然后响应于第一组件和第二组件的配置变化，发起非接触式卡和移动设备的读卡器之间的数据传输。例如，除非第一组件和第二组件处于闭合配置，否则可能不允许或不可能进行数据传输。
在一些示例中，交易卡根据接收方设备而可以选择性地传送信息。一旦接收到用户输入，交易卡就可以识别输入所指向的设备，并且基于这种识别，交易卡可以为该设备提供适当的数据。这有利地允许交易卡仅发送完成即时行为或交易(诸如支付或卡认证)所需的信息。通过限制数据传输，并且避免不必要的数据传输，可以提高效率和数据安全。识别和选择性传送信息可以作为减少欺诈的方式被应用于各种场景，包括卡激活、余额代偿、帐户访问尝试、商业交易等。
如果交易卡输入指向运行Apple的
Figure BDA0003369174190000171
操作系统的设备，例如iPhone、iPod或iPad，则交易卡可以识别
Figure BDA0003369174190000172
操作系统，并且发送适当的数据以与该设备进行通信。例如，交易卡可以经由例如NFC提供使用NDEF标签来认证卡所必需的加密身份信息。类似地，如果交易卡输入指向运行
Figure BDA0003369174190000173
操作系统的设备，例如
Figure BDA0003369174190000175
智能手机或平板电脑，则交易卡可以识别
Figure BDA0003369174190000174
操作系统，并且发送适当的数据以与该设备进行通信(诸如，通过本文描述的方法，对认证所必需的加密身份信息)。
作为另一个示例，交易卡输入可以指向POS设备，包括但不限于自助服务机、结账登记器、支付站或其他终端。在正确对准交易卡后，交易卡可以识别POS设备并且仅发送动作或交易所必需的信息。例如，在识别出用于完成商业交易的POS设备后，交易卡可以根据EMV标准传送完成交易所必需的支付信息。
在一些示例中，参与交易的POS设备可以要求或指定将由交易卡提供的附加信息，例如设备特定信息、位置特定信息以及交易特定信息。例如，一旦POS设备接收到来自交易卡的数据通信，POS设备就可以识别交易卡，并且请求完成动作或交易所必需的附加信息，诸如经由标记输入到覆盖层的序列。
在一些示例中，可以收集关于用户输入行为的数据作为生物识别/手势认证。例如，加密安全且不易被拦截的唯一标识符可以被传送到一个或多个后端服务。唯一标识符可以被配置为查找关于个人的次要信息。次要信息可以包括关于用户的个人可识别信息。在一些示例中，可以在交易卡内存储次要信息。
尽管说明性方法500和600被描述为一系列行为或事件，但除非特别说明，否则本公开不受这些行为或事件的所示顺序的限制。例如，根据本公开，一些行为可以以不同的顺序发生和/或与除了本文示出和/或描述的那些之外的其他行为或事件同时发生。另外，并非所有示出的行为或事件对于根据本公开实施的方法都是必要的。
在整个说明书和权利要求书中，除非上下文另有明确规定，否则以下术语至少具有本文明确关联的含义。术语“或”旨在表示包含性的“或”。此外，除非另有说明或从上下文中清楚地指向单数形式，否则术语“一个”和“该”旨在表示一个或多个。
在本描述中，已经阐述了许多具体细节。然而，应当理解，可以在没有这些具体细节的情况下实践所公开技术的实施方式。在其他情况下，为了不混淆对本描述的理解，没有详细示出众所周知的方法、结构和技术。对“一些示例”、“其他示例”、“一个示例”、“示例”、“各种示例”、“一个实施例”、“实施例”、“一些实施例”、“示例性实施例”、“各种实施例”、“一种实施方式”、“实施方式”、“示例实施方式”、“各种实施方式”、“一些实施方式”等的引用，指示如此描述的所公开技术的一种或多种实施方式可以包括特定特征、结构或特性，但并非每种实施方式都必须包括特定的特征、结构或特性。此外，短语“在一个示例中”、“在一个实施例中”或“在一种实施方式中”的重复使用不一定是指相同的示例、实施例或实施方式，尽管它可以。
如本文使用的，除非另有详细说明，否则使用序数形容词“第一”、“第二”、“第三”等来描述共同的对象，仅指示引用了类似对象的不同实例，并不意在暗示这样描述的对象必须在时间上、空间上、等级上或任何其他方式上处于给定的顺序中。
虽然已经结合目前被认为是最实用的和各种实施方式描述了所公开技术的某些实施方式，但是应当理解，所公开技术不限于所公开的实施方式，而是相反，旨在涵盖包括在所附权利要求范围内的各种修改和等效设置。尽管本文采用了特定术语，但是它们仅被用在通用和描述性意义，而不是为了限制的目的。
本书面描述使用示例来公开所公开技术的某些实施方式，包括最佳模式，并且还使得任何本领域技术人员能够实践所公开技术的某些实施方式，包括制造和使用任何设备或系统以及执行任何纳入的方法。在权利要求中定义所公开技术的某些实施方式的可专利范围，并且可以包括本领域技术人员想到的其他示例。如果这些其他示例具有与权利要求的字面语言没有区别的结构元件，或者如果它们包括与权利要求的字面语言没有实质区别的等效结构元件，则这些其他示例旨在纳入权利要求的范围内。

Claims (20)

1.一种移动设备，包括：
第一组件和第二组件，它们在第一配置和第二配置之间相对于彼此可折叠；
在所述第一组件内侧上的屏幕界面；以及
沿着所述内侧的对准特征，所述对准特征为非接触式卡提供相对于所述屏幕界面的对准，其中所述非接触式卡在所述第一配置中由所述第二组件揭开，并且在所述第二配置中由所述第二组件覆盖。
2.根据权利要求1所述的移动设备，还包括在所述第二组件上的第二屏幕界面，所述第二屏幕界面可用于提供所述非接触式卡相对于所述屏幕界面的定位反馈。
3.根据权利要求2所述的移动设备，其中，所述屏幕界面和所述第二屏幕界面中的至少一个是电容式触摸屏界面。
4.根据权利要求2所述的移动设备，其中，沿着所述第二组件的内侧设置所述第二屏幕界面。
5.根据权利要求1所述的移动设备，其中，所述第一组件与所述第二组件可旋转地耦合，并且其中当所述第二组件处于所述第二配置中时，所述非接触式卡被夹在所述第一组件和所述第二组件之间。
6.根据权利要求1所述的移动设备，其中，所述对准特征包括经由所述屏幕界面显示的视觉指示器。
7.根据权利要求1所述的移动设备，其中，所述对准特征包括从所述第一组件和所述第二组件中的至少一个延伸的支座。
8.根据权利要求1所述的移动设备，还包括凹入到所述第一组件和所述第二组件中的至少一个的槽，其中当所述第二组件处于所述第二配置中时，所述槽允许在所述第一组件和所述第二组件之间插入所述非接触式卡。
9.根据权利要求1所述的移动设备，还包括可与所述非接触式卡通信的读卡器，所述读卡器被设置在所述第一组件和所述第二组件中的至少一个内。
10.一种数据传输系统，包括：
移动设备，所述移动设备包括：
第一组件和第二组件，所述第一组件和第二组件在第一配置和第二配置之间相对于彼此可折叠；
在所述第一组件内侧上的屏幕界面；以及
沿着所述内侧的对准特征，所述对准特征为非接触式卡提供相对于所述屏幕界面的对准，其中所述非接触式卡在所述第一配置中由所述第二组件揭开，并且在所述第二配置中由所述第二组件覆盖；以及
具有处理器和存储器的读卡器，其中，当所述非接触式卡与所述屏幕界面对准时，所述读卡器可操作以通过所述非接触式卡发送数据。
11.根据权利要求10所述的数据传输系统，还包括沿着所述第二组件的内侧设置的第二屏幕界面，所述第二屏幕界面可操作以提供所述非接触式卡相对于所述屏幕界面的定位反馈。
12.根据权利要求10所述的数据传输系统，其中，所述第一组件与所述第二组件可旋转地耦合，并且其中当所述第二组件处于所述第二配置中时，所述非接触式卡被夹在所述第一组件和所述第二组件之间。
13.根据权利要求10所述的数据传输系统，其中，所述对准特征包括经由所述屏幕界面显示的视觉指示器。
14.根据权利要求10所述的数据传输系统，其中，所述对准特征包括从所述第一组件和所述第二组件中的至少一个延伸的支座，所述支座可操作以接合所述非接触式卡。
15.根据权利要求10所述的数据传输系统，还包括凹入到所述第一组件和所述第二组件中的至少一个的槽，其中当所述第二组件处于所述第二配置中时，所述槽允许在所述第一组件和所述第二组件之间插入所述非接触式卡。
16.一种方法，包括：
提供一种可操作以通过非接触式卡发送数据的移动设备，所述移动设备包括第一组件和第二组件，其中所述第一组件和第二组件在打开配置和闭合配置之间相对于彼此可折叠，并且其中所述非接触式卡在所述闭合配置中由所述第二组件覆盖，并且在所述打开配置中由所述第二组件揭开；
沿着所述第一组件的内侧提供对准特征，所述对准特征有助于所述非接触式卡相对于所述第一组件的屏幕界面的对准；
确定所述非接触式卡是否在所述屏幕界面上对准；并且
基于所述非接触式卡是否在所述屏幕界面上对准来提供关于所述非接触式卡的放置的反馈。
17.根据权利要求16所述的方法，还包括基于所述非接触式卡是否与所述屏幕界面对准，来允许在所述非接触式卡和所述移动设备的读卡器之间的数据传输。
18.根据权利要求17所述的方法，还包括：
确定所述第一组件和第二组件从所述打开配置到所述闭合配置的配置变化；以及
响应于所述第一组件和第二组件的所述配置变化，发起所述非接触式卡和所述移动设备的所述读卡器之间的数据传输。
19.根据权利要求16所述的方法，还包括经由所述屏幕界面可视地显示所述对准特征。
20.根据权利要求16所述的方法，还包括：
提供凹入到所述第一组件和所述第二组件中的至少一个的槽；以及
当所述第一组件和第二组件处于所述闭合配置时，通过所述槽容纳所述非接触式卡。
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