CN201374093Y - Electronic payment card - Google Patents
Electronic payment card Download PDFInfo
- Publication number
- CN201374093Y CN201374093Y CN200820235885U CN200820235885U CN201374093Y CN 201374093 Y CN201374093 Y CN 201374093Y CN 200820235885 U CN200820235885 U CN 200820235885U CN 200820235885 U CN200820235885 U CN 200820235885U CN 201374093 Y CN201374093 Y CN 201374093Y
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- CN
- China
- Prior art keywords
- electronic payment
- payment card
- interface
- card
- processor
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Abstract
The utility model provides an electronic payment card suitable for the field of memory cards, which comprises a processor, a communication interface and a memory unit, wherein the communication interface and the memory unit are connected with the processor and the communication interface includes an SWP interface. The utility model has the advantages that the electronic payment card has the SWP interface and can be connected with the mobile communication terminal to facilitate the remote online electronic payment, and great convenience is provided to the user.
Description
Technical field
The utility model belongs to the storage card field, relates in particular to a kind of electronic payment card.
Background technology
At present, the structure of storage card comprises CPU and Nand type flash memory, and this storage card has the SD interface.In the time need managing to the data of the Nand type flash memory in the storage card, need this storage card is connected with computing machine by specific card reader, thus the data of the Nand type flash memory in the storage card of making amendment.This shows that the storage card of prior art is owing to only have the SD interface, therefore can only be applied in could the operation store card under the occasion that is connected with the equipment with SD interface.
The utility model content
Technical problem to be solved in the utility model is to provide a kind of SWP of having interface, can be connected with mobile communication terminal, so that be applicable to the electronic payment card that remote online is paid by mails.
For solving the problems of the technologies described above, the utility model provides a kind of electronic payment card, comprises processor, the communication interface and the storage unit that are connected with described processor; Described communication interface comprises the SWP interface.
In the utility model embodiment, electronic payment card has the SWP interface, can be connected with mobile communication terminal, pays by mails so that be applicable to remote online, has increased user's convenience.
Description of drawings
Fig. 1 is the structural representation of the electronic payment card that provides of the utility model.
Embodiment
In order to make technical problem to be solved in the utility model, technical scheme and beneficial effect clearer,, the utility model is further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the utility model, and be not used in qualification the utility model.
See also Fig. 1, be the electronic payment card that the utility model embodiment provides, this electronic payment card comprises: processor 10, storage unit 20 and communication interface.This storage unit 20 and communication interface are connected with processor 10 respectively.
This communication interface mainly comprises: USB interface 30, SD interface 40, NFC interface 50, SWP interface 60 etc.This USB interface 30, SD interface 40, NFC interface 50 and SWP interface 60 are connected with processor 10 respectively.
This electronic payment card also comprises: the antenna 70 that is connected with NFC interface 50.This antenna 70 can be the NFC antenna, and this NFC antenna is connected with NFC interface 50.
This electronic payment card also comprises: the algoritic module 80 that is connected with processor 10, this algoritic module 80 can be: DES algoritic module, 3DES algoritic module, aes algorithm module or random number generation module etc.
In the utility model embodiment, this storage unit 20 can comprise read-only memory unit and random read-write storage unit.This read-only memory unit can be the non-volatile erasable storage unit of removing.
Different peripheral electronic device can communicate by the corresponding communication interface of electronic payment card, the communication interface of electronic payment card receives the trading instruction information that sends from peripheral electronic device, the processor 10 of electronic payment card is resolved this trading instruction information, according to the trading instruction information after resolving the data of storage in the storage unit 20 is operated accordingly.
The application scenario of the electronic payment card that the utility model embodiment provides is described below by giving an example.
When the transaction operating process of electronic payment card as credit card:
In the last payment stage of shopping, the cashier imports all commodity prices POS machines and calculates total value, and send the transaction data command information by the electronic payment card that electric field provides to the utility model embodiment by card reader, after the NFC interface of electronic payment card receives the transaction data command information, and this transaction data command information is sent to the processor of electronic payment card, after processor receives the transaction data command information, from the storage unit of electronic payment card, select a bank card that is used to pay, and the input payment cipher; Processor reads the magnetic strip information of bank card, and generates transaction message, finally returns to the POS machine by electric field; The POS machine sends to payment gateway with transaction message, sends to corresponding bank card center by payment gateway according to bank card information, finishes payment.
When the transaction operating process of electronic payment card as stored value card:
The cashier imports the POS machine with dealing money, and generates relevant Transaction Information.With the close NFC card reader that links to each other with the POS machine of electronic payment card that the utility model embodiment provides, initiate communication by the NFC card reader, NFC card reader and electronic payment card carry out bi-directional verification then; After being proved to be successful, the NFC card reader sends Transaction Information to electronic payment card; The accuracy of electronic payment card checking Transaction Information is to be stored in the available balance of storage unit, and remaining sum is enough then concluded the business, and remaining sum is reduced; Electronic payment card returns to the NFC card reader with transaction results, and the notice customer transaction is finished.
The operating process that electronic payment card is supplemented with money:
Electronic payment card can be linked to each other with computing machine by USB interface, and by on-line payment system, electronic payment card be supplemented with money, its concrete steps comprise: electronic payment card is inserted USB interface of computer; Electronic payment card is enumerated on computers and is standard CC ID equipment or other privately owned equipment; By on-line payment system, request is supplemented with money electronic payment card; On-line payment system is carried out bi-directional verification by USB interface and electronic payment card; After being proved to be successful, on-line payment system sends to electronic payment card by USB interface and supplements instruction with money; Electronic payment card receives and supplements instruction with money, and the remaining sum in the built-in storage unit is made amendment, and returns transaction results; Electronic fare payment system is handled transaction results, and is shown to the user.
Management process to electronic payment card:
Electronic payment card is connected with computing machine by USB interface, and in computing machine, enumerates and be standard CC ID equipment or other privately owned equipment; The managing electronic Payment Card software of installing in the operation computing machine, computer management E-Payment card software communicates by the processor of USB interface and electronic payment card, after processor receives processing instruction, according to personal certificate and the enciphered data in certain limiting operation storage unit, thereby realization is to the management of electronic payment card.
The transaction flow that the electronic payment card remote online is paid by mails:
Be connected the mode of carrying out exchanges data by mobile communication terminal (as mobile phone) with the SWP interface or the SD interface of electronic payment card.This mode is by will the conclude the business transaction program of odd numbers input handset of user, and the mobile phone transaction program will be concluded the business odd numbers by certain rule, and SWP interface or SD interface by electronic payment card write in the electronic payment card; Authentication information in the processor reading cells of electronic payment card, and with the processor of operation result return electron Payment Card; Finally give the cashier with information feedback, or directly be submitted to payment gateway, finish payment by network via the mobile phone transaction program.
As from the foregoing, the electronic payment card that the utility model embodiment provides has the SWP interface, can be connected with mobile communication terminal, pays by mails so that be applicable to remote online; This electronic payment card also has a plurality of communication interfaces, can connect with different peripheral electronic device according to different interfaces conclude the business, so that be applicable under the different occasions and conclude the business, supplement with money etc., has increased user's convenience.
The above only is preferred embodiment of the present utility model; not in order to restriction the utility model; all any modifications of within spirit of the present utility model and principle, being done, be equal to and replace and improvement etc., all should be included within the protection domain of the present utility model.
Claims (7)
1, a kind of electronic payment card comprises processor, the communication interface and the storage unit that are connected with described processor; It is characterized in that described communication interface comprises the SWP interface.
2, electronic payment card as claimed in claim 1 is characterized in that, described communication interface also comprises the one or any combination of USB interface, SD interface, NFC interface.
3, electronic payment card as claimed in claim 2 is characterized in that, described electronic payment card also comprises the antenna that is connected with described NFC interface.
4, electronic payment card as claimed in claim 3 is characterized in that, described antenna is the NFC antenna.
5, electronic payment card as claimed in claim 1 is characterized in that, described storage unit comprises: read-only memory unit and random read-write storage unit.
6, electronic payment card as claimed in claim 5 is characterized in that, described read-only memory unit can be the non-volatile erasable storage unit of removing.
7, electronic payment card as claimed in claim 1 is characterized in that, described electronic payment card also comprises: the algoritic module that is connected with described processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200820235885U CN201374093Y (en) | 2008-12-30 | 2008-12-30 | Electronic payment card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200820235885U CN201374093Y (en) | 2008-12-30 | 2008-12-30 | Electronic payment card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN201374093Y true CN201374093Y (en) | 2009-12-30 |
Family
ID=41500174
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200820235885U Expired - Fee Related CN201374093Y (en) | 2008-12-30 | 2008-12-30 | Electronic payment card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN201374093Y (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102279940A (en) * | 2011-04-06 | 2011-12-14 | 武汉天喻信息产业股份有限公司 | SD card for mobile payment on the basis of SWP protocol |
-
2008
- 2008-12-30 CN CN200820235885U patent/CN201374093Y/en not_active Expired - Fee Related
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102279940A (en) * | 2011-04-06 | 2011-12-14 | 武汉天喻信息产业股份有限公司 | SD card for mobile payment on the basis of SWP protocol |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20091230 Termination date: 20161230 |
|
| CF01 | Termination of patent right due to non-payment of annual fee |