CN113988247A - Payment card and payment method - Google Patents

Payment card and payment method Download PDF

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Publication number
CN113988247A
CN113988247A CN202111347786.0A CN202111347786A CN113988247A CN 113988247 A CN113988247 A CN 113988247A CN 202111347786 A CN202111347786 A CN 202111347786A CN 113988247 A CN113988247 A CN 113988247A
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China
Prior art keywords
payment card
radio frequency
wireless charging
frequency signal
antenna
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Pending
Application number
CN202111347786.0A
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Chinese (zh)
Inventor
杨岩
靳立才
兰国庆
吴桐
顾韵晗
白媛媛
朱婷
何京燕
牛志慧
夏雪
王伟
程雪
李开亮
霍来超
孙岚
王晨
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Bank of China Ltd
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Bank of China Ltd
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Publication date
Application filed by Bank of China Ltd filed Critical Bank of China Ltd
Priority to CN202111347786.0A priority Critical patent/CN113988247A/en
Publication of CN113988247A publication Critical patent/CN113988247A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0701—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management
    • G06K19/0702—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
    • G06K19/0704—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery the battery being rechargeable, e.g. solar batteries
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0719—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips at least one of the integrated circuit chips comprising an arrangement for application selection, e.g. an acceleration sensor or a set of radio buttons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07749—Constructional details, e.g. mounting of circuits in the carrier the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
    • G06K19/07773—Antenna details
    • 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
    • G06K7/10237—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 the reader and the record carrier being capable of selectively switching between reader and record carrier appearance, e.g. in near field communication [NFC] devices where the NFC device may function as an RFID reader or as an RFID tag
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards

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  • Engineering & Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Hardware Design (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • Health & Medical Sciences (AREA)
  • Toxicology (AREA)
  • Life Sciences & Earth Sciences (AREA)
  • Sustainable Development (AREA)
  • Sustainable Energy (AREA)
  • Electromagnetism (AREA)
  • General Health & Medical Sciences (AREA)
  • Artificial Intelligence (AREA)
  • Computer Vision & Pattern Recognition (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

The application provides a payment card and a payment method, and relates to the technical field of Internet of things. According to the technical scheme, the payment card can initiate transaction payment after power is supplied in a wireless charging mode. The payment card includes: the NFC charging system comprises a Near Field Communication (NFC) antenna used for sending or receiving radio frequency signals and a wireless charging antenna used for wireless charging. After being powered by the wireless charging antenna, the payment card sends a first radio frequency signal for instructing the contralateral device to increase or decrease the amount of money in the contralateral device through the NFC antenna. After receiving a second radio frequency signal indicating successful increase or decrease of the amount of money in the contralateral device, the payment card decreases or increases the amount of money in the payment card. The method and the device are used in the mobile payment process.

Description

Payment card and payment method
Technical Field
The application relates to the technical field of Internet of things, in particular to a payment card and a payment method.
Background
With the development of mobile payment technology, payment cards can be utilized to make transaction payments in many scenarios. For example, when taking a city public transport, the payment of the transportation fee can be realized by using the NFC technology by approaching a bus card (i.e., a kind of payment card) to a vehicle-mounted card swiping machine.
However, in the current situation of using a payment card to perform transaction payment, the payment can be completed only by swiping the card through a special card swiping machine.
Disclosure of Invention
The application provides a payment card and a payment method, which are used for solving the problem that the transaction payment can not be carried out by using the payment card under the condition that a card swiping machine is not provided.
In order to achieve the purpose, the following technical scheme is adopted in the application:
in a first aspect, the present application provides a payment card comprising: the NFC charging system comprises a Near Field Communication (NFC) antenna used for sending or receiving radio frequency signals and a wireless charging antenna used for wireless charging. After being powered by the wireless charging antenna, the payment card sends a first radio frequency signal for instructing the contralateral device to increase or decrease the amount of money in the contralateral device through the NFC antenna. After receiving a second radio frequency signal indicating successful increase or decrease of the amount of money in the contralateral device, the payment card decreases or increases the amount of money in the payment card. The payment card provided by the application can be charged by utilizing the wireless charging equipment, the payment card can be in a read-write mode after being wirelessly charged, collection of money to opposite-side equipment or payment to the opposite-side equipment are initiated by sending the first radio frequency signal, and then the amount of money of the payment card is rewritten after the second radio frequency signal is received, so that the transaction is completed. So that the transaction payment can be made between two payment cards without a swipe.
In one possible design, the NFC antenna and the wireless charging antenna are concentric circular structures. Therefore, the space occupied by the two antennas in the payment card can be reduced, and the miniaturization of the payment card is facilitated.
In one possible design, the NFC antenna and the wireless charging antenna are soldered on a flexible circuit board FPC. Thereby reducing the thickness and quality of the payment card.
In one possible design, the flexible circuit board is enclosed in a rigid housing. Therefore, the bending degree of the payment card can be reduced, and the effects of protecting each element on the internal flexible circuit board and prolonging the service life of the payment card are achieved.
In one possible design, the surface of the payment card further comprises: an operation unit for receiving a user operation. After being powered by the wireless charging antenna, the payment card sends a first radio frequency signal through the NFC antenna for instructing a contralateral device to modify the amount of money in the contralateral device, including: after the power is supplied by the wireless charging antenna and the first operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing a contralateral device to reduce the amount of money in the contralateral device through the NFC antenna; or after the power is supplied by the wireless charging antenna and the second operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing the contralateral device to increase the amount of money in the contralateral device through the NFC antenna. Through the design, the payment card can be switched between the collection state and the payment state according to the use requirement, so that the payment card is convenient for a user to use.
In one possible design, the first rf signal carries a transaction amount. In this way, after receiving the first radio frequency signal, the opposite-side device can rewrite the money information stored in the opposite-side device according to the transaction money in the first radio frequency signal.
In one possible design, the transaction amount is persistently stored in the payment card. In this way, a quota transaction may be effected using the payment card. On one hand, due to the adoption of quota transaction, a user is not required to set transaction amount in each transaction, and an additional operation device is not required to be arranged on the payment card, so that the structure of the payment card is facilitated to be simplified, and the volume of the payment card is reduced; on the other hand, the user can complete transaction payment of different transaction amounts by swiping the card for multiple times, the operation is simple and convenient, and the user experience is better.
In one possible design, the payment card sends a third radio frequency signal after being powered by the wireless charging antenna; the third radio frequency signal is used for instructing the wireless charging device to close the NFC function. The payment card sends the third radio frequency signal after being powered on, the NFC function of the wireless charging equipment can be closed in time, and the interference of the NFC function of the wireless charging equipment on the NFC communication between the payment card and the opposite side equipment is avoided.
In a second aspect, a payment method is provided, which is applied to a payment card, and the payment card includes: the NFC antenna is used for sending or receiving radio frequency signals, and the wireless charging antenna is used for wireless charging; the method comprises the following steps: after being powered by the wireless charging antenna, sending a first radio frequency signal for instructing a contralateral device to increase or decrease the amount of money in the contralateral device through the NFC antenna; and decreasing or increasing the amount of money in the payment card upon receiving a second radio frequency signal indicating a successful increase or decrease of the amount of money in the contralateral device.
In one possible design, the surface of the payment card further comprises: an operation unit for receiving a user operation; the sending, by the NFC antenna, a first radio frequency signal instructing a contralateral device to increase or decrease the amount of money in the contralateral device after being powered by the wireless charging antenna, comprising: after the power is supplied by the wireless charging antenna and the first operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing a contralateral device to reduce the amount of money in the contralateral device through the NFC antenna; or after the power is supplied by the wireless charging antenna and the second operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing the contralateral device to increase the amount of money in the contralateral device through the NFC antenna.
In one possible design, the first rf signal carries a transaction amount.
In one possible design, the transaction amount is persistently stored in the payment card.
In one possible design, the payment card sends a third radio frequency signal after being powered by the wireless charging antenna; the third radio frequency signal is used for instructing the wireless charging device to close the NFC function.
In a third aspect, a control apparatus is provided, comprising a processor and a memory; instructions are stored in the memory; the processor is configured to execute the instructions to implement the method of any of the second aspect or the second aspect.
In a fourth aspect, a computer-readable storage medium is provided, wherein the storage medium has stored therein a computer program which, when executed by a processor, implements the method of any of the second aspect or the second aspect.
In a fifth aspect, the present application provides a computer program product comprising instructions that, when executed on a processor, implement the method of any of the second aspects or designs thereof.
Drawings
Fig. 1 is a schematic structural diagram of a payment card according to an embodiment of the present disclosure;
fig. 2 is a schematic view of a scenario of performing a transaction by using a payment card according to an embodiment of the present application;
fig. 3 is a second schematic structural diagram of a payment card according to an embodiment of the present application;
fig. 4 is a schematic flowchart of a payment method according to an embodiment of the present application;
fig. 5 is a third schematic structural diagram of a payment card according to an embodiment of the present application.
Detailed Description
The technical solution in this embodiment will be described below with reference to the drawings in this embodiment. In the embodiments of the present application, terms such as "first" and "second" are used to distinguish the same or similar items having substantially the same function and action. Those skilled in the art will appreciate that the terms "first," "second," etc. do not denote any order or quantity, nor do the terms "first," "second," etc. denote any order or importance. Also, in the embodiments of the present application, words such as "exemplary" or "for example" are used to mean serving as examples, illustrations or illustrations. Any embodiment or design described herein as "exemplary" or "e.g.," is not necessarily to be construed as preferred or advantageous over other embodiments or designs. Rather, use of the word "exemplary" or "such as" is intended to present relevant concepts in a concrete fashion for ease of understanding.
First, a related technology related to the technical solution provided by the present embodiment is described:
near Field Communication (NFC), which is a technology providing short-range wireless connection, realizes bidirectional interactive communication between electronic devices. NFC technology evolved from Radio Frequency Identification (RFID) technology, but NFC has a specific set of standards that ensure interoperability of NFC-enabled devices (hereinafter referred to simply as "NFC devices").
NFC adopts an electromagnetic coupling induction technology, the frequency of an electromagnetic field is 13.56MHz, and the carrier wave frequency band is a worldwide unlicensed wave band. The initiating device excites the antenna with a 13.56MHz signal, generating a magnetic field. Energy is delivered to the contralateral device by near-field coupling. The opposite side device modulates the magnetic field and returns data to the initiating device to complete communication.
In practical applications, during NFC communication, there may be three operation modes of an electronic device: read/write mode (NFC reader/writer), card emulation mode (NFC card emulation), and peer to peer mode (NFC peer to peer). The read/write mode may also be referred to as an active mode. In the read-write mode, the electronic device sends out a radio frequency signal to identify other electronic devices in the identification area, and reads data in the other electronic devices or writes data in the other electronic devices through the radio frequency signal. The card emulation mode may also be referred to as a passive mode. In the card emulation mode, the electronic device operates similar to a standard contactless smart card, and the electronic device may perform data writing in response to radio frequency signals of other electronic devices or transmit data stored in the electronic device in response to radio frequency signals of other electronic devices. The point-to-point mode may also be referred to as a bidirectional mode. In the point-to-point mode, the electronic device and other electronic devices can realize bidirectional data transmission.
Fig. 1 is a schematic structural diagram of a payment card in the related art. Wherein, the payment card 10 includes: NFC antenna 101 and control chip 102. When a transaction payment is made using the payment card 10, the payment card 10 may be brought close to the swipe 11, as shown in fig. 2. At this time, the swipe card machine 11 is in the read-write mode, and the payment card 10 is in the card emulation mode. When the POS machine 11 works, the POS machine 11 can transmit a certain radio frequency signal outwards in real time. In one aspect, when the payment card 10 enters the effective range of the rf signal, the NFC antenna 101 senses the rf signal and generates a voltage, so as to supply power to the control chip 102 by using the voltage. On the other hand, the swipe card 11 may further encode the first control instruction to be sent and then load the encoded first control instruction into the radio frequency signal transmitted outwards, after the payment card 10 receives the radio frequency signal through the NFC antenna 101, the control chip 102 decodes the radio frequency signal to obtain the first control instruction, and rewrites the remaining amount stored in the control chip 102 in response to the first control instruction, so as to complete payment to the payment card 10 (i.e., reduce the remaining amount stored in the control chip 102 in response to the first control instruction), or complete recharging to the payment card 10 (i.e., increase the remaining amount stored in the control chip 102 in response to the first control instruction), or send data stored in the control chip 102 to the swipe card 11 in response to the first control instruction to query the remaining amount of the payment card 20.
When the payment card is used for transaction payment, a special card swiping machine is provided by the other party of the transaction, and then the subsequent payment process can be carried out. In some application scenarios, for example, when both transaction parties only carry a payment card and do not have a card swiping machine, the transaction payment can not be performed by using the payment card.
In view of the above situation, the present embodiment provides a payment card, where the payment card may be charged by using a wireless charging device, and after the payment card is wirelessly charged, the payment card may be in a read-write mode, and initiate an operation of collecting money from other payment cards or paying money from other payment cards. So that the transaction payment can be made between two payment cards without a swipe.
For example, as shown in fig. 3, which is a schematic structural diagram of a payment card provided in this embodiment, the payment card 20 may include: NFC antenna 201, wireless charging antenna 202, and control unit 203. The NFC antenna 201 and the wireless charging antenna 202 are respectively connected to the control unit 203.
The NFC antenna 201 is configured to receive or transmit a radio frequency signal.
And the wireless charging antenna 202 is used for acquiring electric energy in a wireless charging mode and supplying power to the control unit 203.
And the control unit 203 is configured to perform data interaction with another electronic device (e.g., another payment card) through the NFC antenna 201 after power is supplied by the wireless charging antenna 202, so as to complete an operation of collecting or paying money from the payment card 20 to the other electronic device.
In addition, the control unit 203 is further configured to utilize the rf signal received by the NFC antenna 201 to supply power, and perform data interaction with another electronic device (e.g., another payment card) through the NFC antenna 201 after the rf signal received by the NFC antenna 201 is supplied power, so as to complete the operation of collecting or paying money from the payment card 20 to the other electronic device.
Specifically, the control unit 203 includes a processor for data processing and a memory for data storage. The processor may include a Central Processing Unit (CPU), a modem processor, a Digital Signal Processor (DSP), a baseband processor, and the like. The memory may include a charged erasable programmable read only memory (EEPROM), a FLASH memory (FLASH ROM), or the like.
In one implementation, as shown in fig. 3, in the payment card 20, the NFC antenna 201 and the wireless charging antenna 202 form concentric circles. Through setting up NFC antenna 201 and wireless antenna 202 that charges into concentric circles's structure to can reduce the space that two kinds of antennas occupy in the payment card, be convenient for payment card's miniaturization.
In addition, in one implementation, the NFC antenna 201, the wireless charging antenna 202, and the control unit 203 are soldered on a Flexible Printed Circuit (FPC). Thereby reducing the thickness and quality of the payment card.
Further, in a possible design, in the payment card 20, the flexible circuit board on which the NFC antenna 201, the wireless charging antenna 202, and the control unit 203 are soldered is packaged in a hard case, so that the bending degree of the payment card 20 can be reduced, and the functions of preventing water and torsion, protecting elements on the internal flexible circuit board, prolonging the service life of the payment card 20, and the like can be achieved.
It should be noted that, in the practical application process, the payment card referred to in this embodiment may be specifically a smart card manufactured according to a preset card-based size standard and used for transaction payment.
For example, the ISO 7810 standard (2003 edition) set by the International Organization for Standardization (ISO) specifies 4 formats of card base sizes, ID-1, ID-2, ID-3 and ID-000. Wherein the specified size of ID-1 is 85.60 × 53.98 mm (3.370 inch × 2.125 inch), and is commonly used for bank cards (such as debit cards and credit cards), drivers' licenses, personal business cards, Chinese ID cards, and loyalty card issued by stores. With an aspect ratio close to that of the golden section (1.618: 1). Additional features of the ID-1 plastic bank card, including a thickness of 0.76 mm and a radius of 3.18 mm, are further specified in ISO 7813. The specified dimensions for ID-2 are 105 mm by 74 mm (4.134 inches by 2.913 inches), the same as the A7 dimensions, slightly larger than ID-1, to hold a clearer picture of the appearance, yet still be able to be placed in a purse. This standard is used by German identity cards and the like. The specified dimensions for ID-3 are 125 mm 88 mm (4.921 inches 3.465 inches), the same as B7, for use with a variety of passports and visas.
In the present embodiment, the size of the card base of the payment card 20 may be one of the above-mentioned ID-1, ID-2, ID-3 and ID-000.
In addition, the surface of the payment card 20 may be printed with the method of use and notes of the payment card 20 for the convenience of the user.
In addition, it will be appreciated that for convenience of description herein, a smart card used for transaction payment will be referred to as a "payment card". It is understood that, in the practical application process, the payment card in the present embodiment may also be referred to as a smart card, a transaction card, or the like. The name of the payment card is not limited in this embodiment.
The operation of the payment card provided in the present embodiment will be described below by taking as an example two aspects, that is, the payment of money from the payment card 20 to another payment card (hereinafter, referred to as an opposite side payment card) and the payment of money from the payment card 20 to the opposite side payment card.
On one hand, in a scenario where the payment card 20 collects money to an opposite side payment card, as shown in fig. 4, the embodiment provides a payment method, including:
and S301, supplying power to the payment card 20 by using the wireless charging equipment.
For example, the payment card 20 may be placed in a charging area of a wireless charging device (e.g., a wireless charger, a cell phone with reverse wireless charging, or a wireless charging cradle, etc.) to provide power to the payment card 20 using the wireless charging device.
S302, after the payment card 20 is powered on, the first radio frequency signal is sent through the NFC antenna.
The first radio frequency signal carries a first control instruction. For example, after the payment card 20 is powered on, the control unit 203 encodes the first control instruction and loads the encoded first control instruction to a baseband radio frequency signal with a preset frequency to form a first radio frequency signal, and the first radio frequency signal is transmitted through the NFC antenna 201.
The first control instruction is used for instructing the opposite side payment card in the NFC identification area to rewrite stored amount information so as to reduce the amount of money in the opposite side payment card.
After placing the contralateral payment card within the NFC identification zone, the method further comprises:
and S303, supplying power to the opposite side payment card by using the first radio frequency signal, and acquiring a first control instruction in the first radio frequency signal.
Specifically, a resonant circuit is arranged in the payment card on the opposite side, and the working frequency of the resonant circuit is the same as the frequency of the first radio-frequency signal. When the opposite side payment card enters the receiving area of the first radio frequency signal, the resonance circuit generates resonance and generates charge accumulation, and when the charge accumulation reaches a certain value, the current in the opposite side payment card can provide working voltage. Then, the opposite side payment card can decode the first control instruction through the radio frequency interface module in the card. When the first control instruction is coded and decoded, the first control instruction can be encrypted by adopting a corresponding encryption means so as to ensure the transaction reliability.
And S304, the opposite side payment card rewrites the amount information in the opposite side payment card according to the first control instruction and feeds back a second radio frequency signal indicating successful operation to the payment card 20.
Specifically, after the contralateral payment card obtains the first control instruction, the validity of the payment card 20 and the transaction may be verified according to the first control instruction. After the verification is completed, the amount information in the memory (e.g., FLASH ROM) in the contralateral payment card is rewritten to reduce the amount, e.g., the amount information stored in the contralateral payment card is reduced by 1 yuan. And then the opposite side payment card can send a second radio frequency signal outwards through the built-in NFC antenna.
S305, after the payment card 20 receives the second rf signal, rewriting the amount information stored in the payment card 20 to increase the amount of money in the payment card 20.
Specifically, in the payment card 20, after receiving the second radio frequency signal through the NFC antenna 201, the control unit 203 decodes the second radio frequency signal to obtain corresponding indication information. Thereafter, the control unit 203 may verify the legitimacy of the contralateral payment card and the present transaction according to the instruction information. After the completion of the verification, the control unit 203 rewrites the amount information recorded in the built-in memory, for example, by 1 yuan corresponding to the decrease of the amount information stored in the opposite payment card, and by 1 yuan, the amount information stored in the payment card 20, thereby completing the transaction.
In addition, after the transaction is completed, the payment card 20 and the opposite side payment card can also store transaction information (for example, the card number of the opposite side payment card, the transaction amount or the transaction time, etc.) so as to inquire the transaction information through a mobile phone or a card swiping machine.
In an implementation manner, in S302, the first radio frequency signal sent by the payment card 20 further carries transaction amount information.
Therefore, after the opposite-side payment card receives the first radio frequency signal, the amount information stored in the opposite-side payment card can be rewritten according to the transaction amount in the first radio frequency signal.
In one possible embodiment, a pre-configured transaction amount is stored permanently in a memory in the control unit 203 for the effect of a quota payment.
Among these, persistent storage is understood to mean that data (i.e., a transaction amount) is stored in a memory capable of long-term storage, such as an EEPROM or a FLASH ROM, and is not lost when the memory is powered down.
Thus, after the payment card 20 is powered up, the transaction amount may be read from the memory to load the transaction amount into the first radio frequency signal.
For example, taking the transaction amount as 1 yuan as an example, the above design can realize that: when the opposite side payment card is brought close to the payment card 20 each time, 1 yuan is paid to the payment card 20 by the opposite side payment card. When the opposite side payment card is required to pay the payment card 20 for 10 dollars, the payment can be completed by repeating the process of approaching the opposite side payment card to the payment card 20 ten times.
In another implementation, the transaction amount may also be preconfigured in the memory of the contralateral payment card. In this way, after the contralateral payment card acquires the first control command in S303, the transaction amount can be read from the memory of the contralateral payment card, and the stored amount information can be rewritten according to the transaction amount. The contralateral payment card may then transmit the transaction amount to the payment card 20 carried in a second radio frequency signal. After receiving the second rf signal, the payment card 20 may overwrite the stored amount information according to the transaction amount to complete the transaction.
In one implementation, after the power is supplied to the payment card 20 by the wireless charging device, the method may further include:
s306, after the payment card 20 is powered on, the third radio frequency signal is sent through the NFC antenna 201.
And the third radio frequency signal carries a second control instruction. The second control instruction is used for instructing the wireless charging device to close the NFC function.
Specifically, when the wireless charging device is an intelligent terminal such as a mobile phone, the NFC function of the intelligent terminal may interfere with the NFC communication between the payment card 20 and the opposite-side payment card, so that the payment card 20 sends a third radio frequency signal after being powered on in the above implementation manner, the NFC function of the intelligent terminal can be timely turned off, and the interference of the NFC function of the intelligent terminal with the NFC communication between the payment card 20 and the opposite-side payment card is avoided.
On the other hand, in a scenario where the payment card 20 pays for the opposite payment card, the payment method provided by the embodiment may include:
and S401, supplying power to the payment card 20 by using the wireless charging device.
S402, after the payment card 20 is powered on, the fourth radio frequency signal is sent through the NFC antenna.
And the fourth radio frequency signal carries a third control instruction. And the third control instruction is used for indicating the contralateral payment card in the NFC identification area to rewrite the stored amount information so as to increase the amount corresponding to the contralateral payment card.
After placing the contralateral payment card within the NFC identification zone, the method further comprises:
and S403, supplying power to the opposite side payment card by using the fourth radio frequency signal, and acquiring a third control instruction in the fourth radio frequency signal.
And S404, the opposite side payment card rewrites the amount information in the opposite side payment card according to the third control instruction and feeds back a fifth radio frequency signal indicating successful operation to the payment card 20.
Specifically, after the opposite-side payment card verifies the validity of the payment card 20 and the transaction, the amount information in the memory (e.g., FLASH ROM) in the opposite-side payment card is rewritten to increase the amount in the opposite-side payment card, for example, the amount corresponding to the opposite-side payment card is increased by 1 yuan. And then the opposite side payment card can send a fifth radio frequency signal outwards through the built-in NFC antenna.
S405, after the payment card 20 receives the fifth rf signal, rewriting the amount information stored in the payment card 20 to reduce the amount of money in the payment card 20.
Specifically, after the payment card receives the second radio frequency signal through the NFC antenna 201, the control unit 203 decodes the second radio frequency signal, and verifies the legitimacy of the payment card on the opposite side and the transaction. After the verification is completed, the control unit 203 modifies the amount information in the local memory, thereby completing the transaction.
It is understood that the implementation procedures of the steps in S401 to S405 and the implementation procedures of the steps in S301 to S305 correspond to each other. Therefore, the implementation process of each step in S401-S405 can refer to the corresponding description of S301-S305 above. The repetition is not described herein.
Additionally, in one implementation, as shown in fig. 5, the surface of the payment card 20 may further include: an operation unit 204.
The operation unit 204 is configured to receive a user operation.
Wherein, when the operation unit 204 receives the first operation of the user, the payment card 20 performs the respective steps in S301-S305 for collecting a payment to the opposite side payment card. When the operation unit 204 receives the second operation by the user, the payment card 20 performs the respective steps in S401-S405 for paying for the contralateral payment card.
In the above implementation, the operation unit 204 is disposed on the surface of the payment card 20, so that the payment card 20 can be switched between the collection state and the payment state according to the user's requirement.
For example, in fig. 5, the operation unit 204 may be a slide paddle and may be used to receive a user operation of sliding the paddle to the left or to the right. When collection of money using the payment card 20 is required, the slide is slid to the left, thereby causing the payment card 20 to perform the corresponding steps in S301-S305. When payment with the payment card 20 is required, the scribe is slid to the right, so that the payment card 20 performs the corresponding steps in S401-S405.
In addition, the payment card 20 provided in this embodiment is in a card emulation mode when no wireless charging is performed for power supply, so as to perform a corresponding data rewriting operation in response to a radio frequency signal of other electronic equipment (for example, a card swiping machine, or another payment card powered by wireless charging) to implement a transaction. Specifically, the working process of the payment card 20 in the card emulation mode may refer to the working process of the opposite side payment card in S301-S305 or S401-S405, which is not described herein again.
The method steps in the embodiments of the present application may be implemented by hardware, or may be implemented by software instructions executed by a processor. The software instructions may consist of corresponding software modules that may be stored in RAM, flash memory, ROM, PROM, EPROM, EEPROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. An exemplary storage medium is coupled to the processor such the processor can read information from, and write information to, the storage medium. Of course, the storage medium may also be integral to the processor. The processor and the storage medium may reside in an ASIC. In addition, the ASIC may reside in a network device or a terminal device. Of course, the processor and the storage medium may reside as discrete components in a network device or a terminal device.
In the above embodiments, the implementation may be wholly or partially realized by software, hardware, firmware, or any combination thereof. When implemented in software, may be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer programs or instructions. When the computer program or instructions are loaded and executed on a computer, the processes or functions described in the embodiments of the present application are performed in whole or in part. The computer may be a general purpose computer, a special purpose computer, a computer network, a network appliance, a user device, or other programmable apparatus. The computer program or instructions may be stored in a computer readable storage medium or transmitted from one computer readable storage medium to another computer readable storage medium, for example, the computer program or instructions may be transmitted from one website, computer, server, or data center to another website, computer, server, or data center by wire or wirelessly. The computer-readable storage medium can be any available medium that can be accessed by a computer or a data storage device such as a server, data center, etc. that integrates one or more available media. The usable medium may be a magnetic medium, such as a floppy disk, a hard disk, a magnetic tape; or optical media such as Digital Video Disks (DVDs); but may also be a semiconductor medium, such as an SSD.
In the embodiments of the present application, unless otherwise specified or conflicting with respect to logic, the terms and/or descriptions in different embodiments have consistency and may be mutually cited, and technical features in different embodiments may be combined to form a new embodiment according to their inherent logic relationship.
In the present application, "at least one" means one or more, "a plurality" means two or more, and other terms are similar thereto. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. Furthermore, for elements (elements) that appear in the singular form "a," an, "and" the, "they are not intended to mean" one or only one "unless the context clearly dictates otherwise, but rather" one or more than one. For example, "a device" means for one or more such devices. Still further, at least one (at least one of). In the description of the text of the present application, the character "/" generally indicates that the former and latter associated objects are in an "or" relationship; in the formula of the present application, the character "/" indicates that the preceding and following related objects are in a relationship of "division".
It is to be understood that the various numerical references referred to in the embodiments of the present application are merely for descriptive convenience and are not intended to limit the scope of the embodiments of the present application. The sequence numbers of the above-mentioned processes do not mean the execution sequence, and the execution sequence of the processes should be determined by their functions and inherent logic.

Claims (10)

1. A payment card, comprising: the NFC antenna is used for sending or receiving radio frequency signals, and the wireless charging antenna is used for wireless charging;
after being powered by the wireless charging antenna, the payment card sends a first radio frequency signal for instructing a contralateral device to increase or decrease the amount of money in the contralateral device through the NFC antenna;
after receiving a second radio frequency signal indicating successful increase or decrease of the amount of money in the contralateral device, the payment card decreases or increases the amount of money in the payment card.
2. The payment card of claim 1, wherein the NFC antenna and the wireless charging antenna are concentric circular structures.
3. The payment card of claim 1, wherein the NFC antenna and the wireless charging antenna are soldered on a flexible circuit board FPC.
4. The payment card of claim 3, wherein the flexible circuit board is enclosed in a rigid housing.
5. The payment card of claim 1, wherein the surface of the payment card further comprises: an operation unit for receiving a user operation;
after being powered by the wireless charging antenna, the payment card sends a first radio frequency signal through the NFC antenna for instructing a contralateral device to modify the amount of money in the contralateral device, including:
after the power is supplied by the wireless charging antenna and the first operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing a contralateral device to reduce the amount of money in the contralateral device through the NFC antenna;
or after the power is supplied by the wireless charging antenna and the second operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing the contralateral device to increase the amount of money in the contralateral device through the NFC antenna.
6. The payment card of claim 1, wherein the first radio frequency signal carries a transaction amount.
7. The payment card of claim 6, wherein the transaction amount is persistently stored in the payment card.
8. The payment card of claim 1, wherein the payment card transmits a third radio frequency signal after being powered by the wireless charging antenna; the third radio frequency signal is used for indicating the wireless charging equipment which supplies power to the payment card to close the NFC function.
9. A payment method, applied to a payment card, the payment card comprising: the NFC antenna is used for sending or receiving radio frequency signals, and the wireless charging antenna is used for wireless charging; the method comprises the following steps:
after being powered by the wireless charging antenna, sending a first radio frequency signal for instructing a contralateral device to increase or decrease the amount of money in the contralateral device through the NFC antenna;
and decreasing or increasing the amount of money in the payment card upon receiving a second radio frequency signal indicating a successful increase or decrease of the amount of money in the contralateral device.
10. The method of claim 9, wherein the surface of the payment card further comprises: an operation unit for receiving a user operation;
the sending, by the NFC antenna, a first radio frequency signal instructing a contralateral device to increase or decrease the amount of money in the contralateral device after being powered by the wireless charging antenna, comprising:
after the power is supplied by the wireless charging antenna and the first operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing a contralateral device to reduce the amount of money in the contralateral device through the NFC antenna;
or after the power is supplied by the wireless charging antenna and the second operation on the operation unit is received, the payment card sends a first radio frequency signal for instructing the contralateral device to increase the amount of money in the contralateral device through the NFC antenna.
CN202111347786.0A 2021-11-15 2021-11-15 Payment card and payment method Pending CN113988247A (en)

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Application Number Priority Date Filing Date Title
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Application Number Priority Date Filing Date Title
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Publications (1)

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CN105846060A (en) * 2015-02-02 2016-08-10 (株)Itm半导体 Antenna module package, antenna module package circuit, battery pack and mobile device
CN108038532A (en) * 2017-12-08 2018-05-15 恒宝股份有限公司 A kind of smart card and its control method
CN108268919A (en) * 2016-12-30 2018-07-10 第资本服务公司 Dynamic transaction card antenna is installed
CN112736412A (en) * 2020-12-25 2021-04-30 上海安费诺永亿通讯电子有限公司 Hybrid structure of wireless charging antenna and NFC antenna, and electronic device
CN113451758A (en) * 2021-06-30 2021-09-28 安徽华米信息科技有限公司 Electronic device and control method thereof

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN105846060A (en) * 2015-02-02 2016-08-10 (株)Itm半导体 Antenna module package, antenna module package circuit, battery pack and mobile device
CN108268919A (en) * 2016-12-30 2018-07-10 第资本服务公司 Dynamic transaction card antenna is installed
CN108038532A (en) * 2017-12-08 2018-05-15 恒宝股份有限公司 A kind of smart card and its control method
CN112736412A (en) * 2020-12-25 2021-04-30 上海安费诺永亿通讯电子有限公司 Hybrid structure of wireless charging antenna and NFC antenna, and electronic device
CN113451758A (en) * 2021-06-30 2021-09-28 安徽华米信息科技有限公司 Electronic device and control method thereof

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