CN202632359U

CN202632359U - Near-field payment system based on anti-shield universal antenna patch

Info

Publication number: CN202632359U
Application number: CN 201220108401
Authority: CN
Inventors: 熊文俊
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-03-21
Filing date: 2012-03-21
Publication date: 2012-12-26
Anticipated expiration: 2022-03-21

Abstract

The utility model relates to a mobile terminal near-field payment technology, and specially relates to a near-field payment system based on an anti-shield universal antenna patch. Three communication modes of ''active '', ''passive'' and ''label'' of a mobile terminal are achieved under different conditions through the antenna patch according to different power supply modes of a cell; internal communication between an antenna system and a chip integrated to the SIM/SD card of the mobile terminal is achieved through a terminal power line or a wireless link or an LED optical coupler link; and thereby near-field payment business is associated with a service provider. According to the system, various disadvantages of a 13.56 Mhz system are well overcome, a terminal unnecessary to be replaced by a user, the near-field payment business is generally suitable for various mobile terminals of various patterns with metal back covers and cell shields of different sizes, the payment business is simultaneously associated with banks, telecommunication servers and many other service providers, and the development of mobile near-field payment business is substantially promoted.

Description

Near field payment system based on anti-shielding general antenna paster

Technical field

The utility model relates to portable terminal near field payment technology, particularly based on the anti-near field payment system that shields the general antenna paster.

Background technology

Along with the deepening continuously of mobile e-business, portable terminal (comprising mobile phone) near field payment cry is surging, market reaches its maturity in recent years.Domestic is representative with RF_ (U) the SIM technology of 2.4Ghz frequency and SIMpass (double-interface SIM card) technology of 13.56Mhz frequency mainly, but because its all deficiency has limited professional development.Because inconsistent with the 13.56Mhz frequency of the current international practice, it is very huge to cause it in the input of POS machine, to invest, just when portable terminal has electricity, can not swipe the card in addition like RF_ (U) SIM of 2.4G; And the SIMpass of 13.56M (contain full card SC) system since signal can not the penetrating metal bonnet, battery and to the harsh requirement of portable terminal size, maybe must be replaced by defective such as NFC-SWP portable terminal and restrict further popularization widely.

The utility model content

The utility model is for solving the problems of the technologies described above; Near field payment system based on anti-shielding general antenna paster is provided; This system can solve all disadvantages of 13.56M system well; Must not change under the situation of portable terminal the user, not of uniform size, all kinds of portable terminals that style is different that make near field payment transaction not only generally be fit to comprise metal back cover and have that battery blocks can also realize that " initiatively ", " passive " of portable terminal reaches " label " three kinds of communication patterns; Simultaneously the payment transaction of many operators such as comprising bank, telecommunications can also be on the portable terminal portable terminal, can also merged, the development of near field payment transaction can be promoted to move greatly.

The technical scheme of the utility model is following:

First kind of embodiment (being passive system) of the utility model:

Near field payment system based on anti-shielding general antenna paster; It is characterized in that: comprise being affixed on antenna patch general on the battery; The substrate two sides of this antenna patch all scribbles the absorbing material of high permeability; Wherein the one side of antenna patch is pasted on battery of mobile terminal surface and the battery limit wall; The another side of antenna patch is printed with some circles and is used to the antenna pickup coil that receives the card reader signal and reply card reader, is integrated with the payment, safety and the communication chip that are used for payment transaction on the antenna patch; Said antenna pickup coil is used to receive the card reader signal and replys card reader as the antenna of this payment system; Payment, safety and communication chip obtain power supply through the electromagnetic energy of antenna pickup coil coupling card reader, and this system is a passive system.

According to " Lenz law "; Magnetic flux Ψ=N * B * S; N is a coil turn; Be to increase battery limit wall coil magnetic field induction amount, and consider that coil inductance makes the influence of difficulty to resonant capacitance, can be on the battery limit wall coil single face close around multiturn coil or perfecting around multiturn coil to increase antenna magnetic field induction amount intensity.

Second kind of embodiment (being active system) of the utility model:

Near field payment system based on anti-shielding general antenna paster; It is characterized in that: comprise being affixed on antenna patch general on the battery; The substrate two sides of this antenna patch all scribbles the absorbing material of high permeability; Wherein the one side of antenna patch is pasted on battery of mobile terminal surface and the battery limit wall; The another side of antenna patch is printed with some circles and is used to the antenna pickup coil that receives the card reader signal and reply card reader, is integrated with the payment, safety and the communication chip that are used for payment transaction on the antenna patch; Said antenna pickup coil is used to receive the card reader signal and replys card reader as the antenna of this payment system; Wherein, Integrated 3-5 electrode rake on the end face of said antenna patch; Each electrode rake all has two corresponding with it cube electrode contacts, and the electrode rake is fixed on the antenna patch when dispatching from the factory, and an end of each electrode rake all is connected to payment, safety and communication chip; The other end of each electrode rake is connected with two cube electrode contacts respectively through two soft circle lines, and said electrode contact blade is used for contacting with battery electrode groove positive and negative electrode contact and makes antenna patch obtain power supply; Perhaps; Harrow without electrode on the above antenna patch; But integrated two jewelry, expensive clothing and other valuables are justified the power leads of lines as antenna system on this antenna patch; One end of said soft circle line all connects payment, safety and the communication chip of antenna patch, and the other end connects two cube electrode contacts respectively, these two soft circle lines with curved around storage line mode on the antenna pickup coil next door of antenna patch cabling; And end at certain edge of antenna patch; When it is used for the large scale battery, just have sufficiently long soft circle line to go out from this edge tractive of antenna patch, can enclose the vacancy of reserving around this limit of antenna patch for unnecessary soft line, this two cube electrodes contact contacts with the both positive and negative polarity contact of battery electrode groove; When the battery electrode column of portable terminal during at other ends, only need will be said two soft wire-wounds of justifying cross certain angle (when at symmetrical end face, then can walk around 180 °) and just can embed the battery electrode groove.Said general antenna paster is connected the payment, safety and the communication chip that make antenna patch and the system communication of portable terminal through this electrode contact blade with the electrode thimble of portable terminal, make that native system is an active system.

The length of electrode contact blade slightly is longer than battery limit wall, and an end of electrode contact blade can fixedly be affixed on the edge near battery limit wall, and the limit wall that twined battery then is pasted on the other end another side of battery.This had both fixed electrode contact blade, was convenient to the battery that this face has electrode contacts again.When the electrode contact blade that posts when battery inserts portable terminal; The electrode spring thimble that utilizes portable terminal with electrode contact blade well roof pressure in the battery electrode groove; Thus; This two cube electrodes contact both was communicated with portable terminal, and link to each other with antenna patch again (can tearing off or cut off) for unnecessary electrode contact blade, electrode rake, electrode contact blade just can utilize battery for antenna patch power supply to be provided like this.On the other hand, utilize soft circle line curved be convenient to electrode contact blade around characteristic can be when seeking battery electrode groove groove position in this wall move left and right position, battery limit, but but also opposed polarity of two cube electrode contact same polarities of same electrode rake.

According to second kind of embodiment, can be further designed to the condition active system:

Said antenna patch is integrated with the inductive coupling module and condition has source module duplex feeding module; Said inductive coupling module comprises the resonance coil that is formed by antenna pickup coil and electric capacity parallel connection; Said resonance coil is connected with commutation diode, isolating diode VD, filtering unit RC and voltage stabilizer in turn, connects payment, safety and communication chip at last again; Said condition has source module to comprise switching tube G1, switching tube G2, loop actuating switch pipe K1, loop actuating switch pipe K2, filtering unit RC, voltage stabilizer 10 and payment, safety and communication chip 1; The end of switching tube G1, switching tube G2 all is connected with anode, and the other end of switching tube G1, switching tube G2 is connected with payment, safety and communication chip through isolating diode VD.When portable terminal does not have electricity, behind the whole heap stream of commutation diode, isolate, be payment, safety and communication chip power supply after the filtering of RC assembly, voltage stabilizer voltage stabilizing through isolated tube diode VD by the card reader signal of antenna pickup coil coupling; Said condition has source module to comprise switching tube G1, switching tube G2, loop actuating switch pipe K1, loop actuating switch pipe K2, RC filtering unit, voltage stabilizer and payment, safety and communication chip; The end of switching tube G1, switching tube G2 all is connected with anode, and the other end of switching tube G1, switching tube G2 is connected with payment, safety and communication chip through isolating diode VD; When portable terminal is swiped the card; Because switching tube G1, switching tube G2 lead at antenna coupled voltages lower whorl conductance; Therefore battery is payment, safety and communication chip power supply through switching tube G1, switching tube G2, and at this moment, the voltage of inductive coupling module coupling also is payment, safety and communication chip power supply; The two-way power supply is combined into one the tunnel at RC filtering unit place, and condition has source module and inductive coupling module to isolate through isolated tube diode VD.

Simultaneously, " aggressive mode, Passive Mode and label mode " three kinds of communication patterns need be set, wherein on portable terminal; As card reader, antenna patch obtained power supply from the battery of portable terminal when portable terminal worked in " aggressive mode ", when portable terminal works in " Passive Mode " or " label mode "; When only portable terminal is swiped the card; Battery just is the antenna patch auxiliary power supply, and promptly the condition active system also possesses the power down function of swiping card simultaneously.

The power initiation principle of said antenna patch: in the antenna pickup coil, directly induce voltage by external signal and start supply module; When swiping the card; Antenna patch is caught 13.56Mhz frequency signal that card reader sends and resonance on this frequency; 13.56Mhz the positive half cycle voltage of signal ends switching tube G1 conducting, the switching tube G2 of low valve valve voltage, so the switching tube G1 of portable terminal power supply through conducting provides power supply after filtering, voltage stabilizing, for payment, safety and communication chip; 13.56Mhz signal negative half period voltage makes, and switching tube G1 ends, switching tube G2 conducting, the battery of portable terminal provides power supply after filtering, voltage stabilizing, for payment, safety and communication chip through the switching tube G2 of conducting again, so circulation; When not swiping the card, switching tube G1, switching tube G2 all end, thus, supply module only when swiping the card the battery side of portable terminal payment system is supplied power; Said switching tube G2, switching tube G1 are metal-oxide-semiconductor, by switching tube K1, switching tube K2 return passage are provided when switching tube G2, the switching tube G1 conducting respectively;

The power down of the said supply module workflow of swiping the card:

When battery of mobile terminal was supplied power, cell voltage was payment, safety and communication chip power supply through switching tube G and after filtering, voltage stabilizing; When dead battery, be payment, safety and communication chip power supply by the direct coupled signal of antenna pickup coil and after rectification, filtering, voltage stabilizing, isolating diode VD prevents that induced voltage from releasing from switching tube K1, K2 after rectification; When battery of mobile terminal did not have electricity, because antenna patch can not obtain operator's associated data, kind, the number of times of therefore swiping the card were limited.

In above-mentioned two kinds of embodiments,, can the signal of coupling be amplified for avoiding crossing weak causes system job insecurity because of the antenna coupled signal.Being that said payment, safety and communication chip are integrated with two amplifiers based on 13.56Mhz, is respectively the receiving signal amplifier and the positive feedback resonance amplifier that is used to amplify the answer signal that returns to card reader that is used to amplify the incoming wave signal of antenna pickup coil coupling card reader;

One end of said receiving signal amplifier (A1) is connected in payment, safety and communication chip (1); The other end of payment, safety and communication chip (1) connects antenna pickup coil and commutation diode, and receiving signal amplifier (A1) is connected with the switching tube (K2) that the control conducting ends;

One end of said positive feedback resonance amplifier (A2) is connected in payment, safety and communication chip (1); And be connected in ground; The other end of payment, safety and communication chip (1) connects antenna pickup coil and commutation diode, and positive feedback resonance amplifier (A2) is connected with the switching tube (K1) that the control conducting ends.

Said antenna pickup coil is a resonance L/C coil, as resonant load; The telefault of resonance L/C coil is in series with electric capacity (C1), and electric capacity (C1) is for preventing the stray capacitance of positive feedback resonance amplifier (A2).

The shared described antenna pickup coil of said receiving signal amplifier and positive feedback resonance amplifier, antenna pickup coil are used for signal reception and signal emission; Receiving signal amplifier and positive feedback resonance amplifier time-sharing work; That is, receive the stage at signal, receiving signal amplifier amplifies the incoming wave signal of antenna pickup coil coupling card reader; Positive feedback this moment resonance amplifier is not worked; But in the signal acknowledgment phase, the positive feedback resonance amplifier amplifies, replys the modulation signal that returns to card reader, and receiving signal amplifier quits work; Said antenna pickup coil is a resonance L/C coil,

The workflow of said positive feedback resonance amplifier is following:

A, 13.56Mhz signal receive the stage: in the antenna pickup coil coupling card reader signal phase of antenna patch; Owing to also do not have coding, the modulation acknowledgment phase of entering signal; Therefore " coding enables " level of payment, safety and communication chip is " 0 "; Switching tube K1 ends, and positive feedback resonance amplifier A2 power down quits work, and receiving signal amplifier A1 under switching tube K2 effect electric and 13.56Mhz incoming wave signal amplified;

B, antenna patch are to the card reader acknowledgment phase; " coding enables " level of payment, safety and communication chip is permanent to be " 1 "; Signal is behind graceful Chester of payment, safety and communication chip or miller coding: 1. if " modulating pulse " be " 1 ", and XOR gate 12 output logic level " 0 " then, switching tube K1 disconnection, positive feedback resonance amplifier A2 dead electricity quit work; 13.56Mhz signal does not amplify in positive feedback resonance amplifier A2; On the other hand, down by " load-modulate pipe " short circuit, the off resonance of resonant antenna L/C coil, Q value descend resonant antenna L/C coil at high level " modulating pulse "; The influence of reading card device is minimum, and card reader judges that the answer signal that this time returned is " 1 "; 2. if " modulating pulse " be " 0 ", XOR gate 12 output logic level " 1 " then, switching tube K1 conducting, positive feedback resonance amplifier A2 get electrician's work; 13.56Mhz signal in the resonance L/C coil is exaggerated in positive feedback resonance amplifier A2; Because " modulating pulse " be " 0 ", " load-modulate pipe " ended, so resonance L/C coil not by short circuit, be in the natural resonance state; Because the signal that returns is exaggerated at positive feedback resonance amplifier A2; Therefore resonance L/C coil strengthens with the mutual inductance of card reader, and the reflected impedance of reading card device is maximum, and this time of card reader judgement returned is encoded to " 0 "; In the case, receiving signal amplifier A1 quits work because of switching tube K2 ends;

Simultaneously; Said payment, safety and communication chip are through the gain that increases, subtracts the next positive feedback of adjusting automatically resonance amplifier to programming resistors device resistance; So that swipe the card, after calibrated distance, the resistor coding value is stored in payment, safety and communication chip apart from the compliant requirement.

In above-mentioned two kinds of embodiments, said payment, safety and communication chip all are integrated with the rectifying device that is used for the 13.56M coupled signal, so the both positive and negative polarity position of the electrode contact blade in the scheme two, three does not influence the chip power system.Because said electrode contact blade is arbitrarily adjustable in the position, the left and right sides of this limit wall of battery; Antenna patch can also integral level move on battery simultaneously; Therefore, be provided with the various portable terminals that antenna patch can pervasive different sizes, thickness is different of electrode contact blade, also comprise various mobile phones.

According to the antenna pickup coil on antenna patch, enclose around mode; The mode that the antenna pickup coil crosses battery surface and battery limit wall fully is printed on the antenna patch; Perhaps the antenna pickup coil cross fully battery surface and around battery limit wall circle around mode be printed on the antenna patch, antenna patch and battery are integrated.

When the antenna patch that is affixed on battery limit wall was partly partly long than the antenna patch that is affixed on battery surface, because the area of its coil has more one section, so coupling effect was better.But when it was used for the small size portable terminal, the antenna patch that grows part can be rolled over and is attached to the battery limit wall that battery does not have pole, if this face has battery electrode column, then with behind the antenna patch Rotate 180 ° on the limit on its opposite wall paste.

For adapting to the portable terminal of various sizes; Integrated large scale and the two sides of being of antenna patch all had on the thin soft substrate of high permeability absorbing material; The thin soft substrate of said suction wave plate is made up of some tearable grids of cutting, and can tear along grid and cut, and makes when inhaling wave plate high magnetic conduction powder is injected in its two sides; Because the suction wave plate of gridding is the benchmark preparation with big battery of mobile terminal, can tears as required according to the size of battery when therefore using and cut to adapt to the battery of different size.For the large scale portable terminal, because this antenna patch size is less than its size, therefore fully can be fit bonding; Inhale the size of wave plate and, then can adjust (or shearing) antenna patch for the small size portable terminal.

When system is active system, for preventing antenna patch because of influencing the impedance matching of portable terminal to the battery power taking, therefore can be on antenna patch integrated build-out resistor.

Version for above-mentioned two kinds of embodiments; The internal data communication mode portable terminal its own power source capable of using line communication of the chip chamber of said system; So that the related operator of payment transaction; Integrated chip carries out intercommunication to obtain operator or user's associated data on the payment of antenna patch, safety and communication chip and the SIM/SD card, accomplishes the mutual of internal data automatically; When swiping the card at every turn or concluding the business; The payment of antenna patch, safety and communication chip are all asked for operator's sign or international mobile subscriber identity data (IMSI) to the chip of SIM/SD card; Wait for SIM/SD card passback data at the appointed time, and judge its attribute, if this provider customer then allows transaction; Otherwise do not allow transaction, international mobile subscriber identity (IMSI) also is used for the account No. of user bound; If payment, safety and the communication chip of antenna patch are not received the passback data in regulation in the time limit, then conclude the business with the associated data of nearest storage; Wherein according to the different phase of market development, native system has does not change two kinds of scheme replies of portable terminal scheme and the scheme that adopts customization portable terminal different phase;

A, the communication process of not changing the portable terminal scheme are following: the payment, safety and the communication chip that are integrated on the antenna patch are integrated with payment function and security function; When the antenna paster installs, when battery inserts portable terminal; Utilize battery electrode contact and portable terminal power lead transmission internal correlation data; Adopt jamproof " DSSS " (DSSS) technology; Soon integrated chip is serially connected with a sampling resistor respectively on payment, safety and communication chip on the antenna patch and the SIM/SD card on the loop of portable terminal power lead; On the portable terminal power lead, transmit with signal through feedback on the sampling resistor through spread spectrum accent carrier modulation (BFSK frequency shift keying or BPSK phase-shift keying (PSK)); Integrated chip is sampled, filtering, demodulation, is separated and extend to differentiation the variation of the electric current on two sampling resistors, voltage respectively on payment, safety and communication chip and the SIM/SD card, accomplishes the mutual of chip chamber internal data; For realizing this function, will be isolated into two halves with dielectric film with the end face of battery electrodes in contact contact, wherein half connects payment, safety and communication chip and the movable electrode terminal thimble of antenna patch, and second half then is connected with battery electrode;

When portable terminal powered up, the intercommunication flow process between the chip of the payment on the antenna patch, safety and communication chip and SIM/SD card was to obtain operator or user's associated data:

1. install and battery when inserting portable terminal when the antenna paster; The chip of SIM/SD card obtains power supply; For guarantee electric current on the power lead stable, ensure internal data accurately; This moment, the chip of SIM/SD card closed the I/O line that switching tube K1 breaks off SIM/SD card and portable terminal through long, and by the storer of the chip of SIM/SD card the start-up command that portable terminal mails to the SIM/SD card was kept in;

Also charge when 2. battery inserts portable terminal to starting electric capacity; Voltage on the starting resistance makes payment on the antenna patch, safety and communication chip obtain power supply and sends the Frame that lead code is arranged through band spectrum modulation and carrier modulation to the chip of SIM/SD card through the sampling resistor on the antenna patch; Voltage on the sampling resistor on the antenna patch, change in current pass to the sampling resistor of SIM/SD card through battery electrode and power lead, and the chip of SIM/SD card is done sampling, despreading, filtering, demodulation and parsing to the electric quantity change of the sampling resistor on the SIM/SD card; In the chip echo back data stage of SIM/SD card; For reducing influence to the portable terminal power-supply system; The chip simulation SIM/SD card working condition of SIM/SD card, electric parameter; Through switching tube K2 self load is turned down; Through band spectrum modulation and carrier modulation the Frame of lead code is arranged through payment, safety and the communication chip loopback of the sampling resistor on the antenna patch on antenna patch via power lead then, so the payment on the antenna patch, safety and communication chip just obtain operator or user's associated data from the chip of SIM/SD card;

3. the payment on the antenna patch, safety and communication chip if data check is correct, then notify the chip of SIM/SD card to finish communication through also filtering, despreading, demodulation, parsing that the electric quantity change signal of the sampling resistor on the antenna patch is sampled; Payment on the antenna patch, safety and communication chip are just accomplished intercommunication to obtain operator or user's associated data with the chip of SIM/SD card thus;

4. the chip of SIM/SD card is received the disconnecting signal of payment, safety and communication chip on the antenna patch through the sampling resistor on the SIM/SD card via power lead; Just recovery length is closed switching tube K1 state makes SIM/SD card I/O line unimpeded, and transmits the temporary portable terminal instruction of its storer to the SIM/SD card;

5. about a few minutes after the portable terminal completion start flow process, start the rising of electric capacity charging voltage starting resistance power down, the payment on the antenna patch, safety and communication chip are quit work with the saving power supply;

Through said process, the intercommunication of chip of when battery inserts portable terminal, just accomplishing payment, safety and communication chip, SIM/SD card is to obtain operator or user's associated data;

When portable terminal was swiped the card, the intercommunication flow process between the chip of the payment on the antenna patch, safety and communication chip and SIM/SD card was to obtain operator or user's associated data:

For making related this operator of payment transaction; What prevent antenna patch electrode contact blade and battery artificially is connected the flexible cord tear fracture; Swipe the card at portable terminal, the payment on the antenna patch, safety and communication chip obtain in the power supply; Obtain associated data via power lead to the chip of SIM/SD card through the sampling resistor on the antenna patch, the payment on the antenna patch, safety and communication chip are studied and judged following three kinds of situation:

1. the sampling resistor on the antenna patch does not have signal level:

This situation possibly be that not have the flexible cord that is connected of electricity or antenna patch and battery (be exactly the thin round line that the front is said to battery of mobile terminal; Can bend arbitrarily around) by artificial tear fracture; Because payment, safety and communication chip when battery inserts portable terminal on the antenna patch have obtained associated data from the chip of SIM/SD card; No matter therefore be that power down or connection flexible cord are disconnected; Payment on the antenna patch, safety and communication chip are all swiped the card, are concluded the business by operator in the nearest stored record or ID, but the cumulative number of swiping the card or concluding the business is limited; When battery had electricity, the payment on the antenna patch, safety and communication chip rebulid with the chip of SIM/SD card and communicate by letter, and then were used for the totalizer zero clearing of accumulative total transaction count;

2. the sampling resistor on the antenna patch has signal level, but intercommunication is disturbed:

If payment, safety and the communication chip on the antenna patch, the chip internal communication of SIM/SD card get nowhere; Chip echo back data or payment, safety and the communication chip of promptly confiscating the SIM/SD card in the regulation time limit to the data of loopback repeatedly verification make mistakes, then said mobile-payment system is swiped the card, is concluded the business by operator in the nearest stored record or ID;

3. the sampling resistor on the antenna patch has signal level, and intercommunication is noiseless:

This moment is not because portable terminal has communication event, so the electric current on the portable terminal power lead is very steady, and the payment on the antenna patch, safety and communication chip are swiped the card, concluded the business from the up-to-date operator or the ID of the chip acquisition of SIM/SD card;

The scheme of B, employing customization portable terminal: in the case; Be will pay, safety chip is integrated in the chip of SIM/SD card; Only keep communication chip on the antenna patch; And the intercommunication of the chip chamber through battery electrode contact and portable terminal power lead transport communication chip and SIM/SD card is to obtain operator or user's associated data; The serial/parallel I/O communication port of the chip of communication chip on antenna patch and SIM/SD card physically is provided with a single worker or two duplex data lines; This single worker or two duplex data lines get final product through setting up one or two electrode contact blade at the arbitrary wall of battery; The communication chip on antenna patch and the chip chamber of SIM/SD card are set up an antenna induction power supply line more simultaneously; So that the chip chamber of communication chip when dead battery on the antenna patch and SIM/SD card still can be accomplished intercommunication and obtain operator's sign or international mobile subscriber identity; And on the wall of battery limit, increase corresponding connection electrode so that battery has just connected when inserting portable terminal, but or on battery and portable terminal, install the concavo-convex spring leaf socket of electrode or the contact pin of plug additional, be convenient to being connected of data line that antenna patch and SIM/SD card on the battery draw and power lead.

For the version of above-mentioned three kinds of schemes, the communication mode of native system can also adopt the wireless link mode, and the wireless link mode comprises: radio frequency or base band link, carry out intercommunication through linking between the chip with radio frequency or base band.

Version for above-mentioned three kinds of schemes; The intercommunication mode of native system perhaps can also adopt the link of LED (Light Emitting Diode) optocoupler to obtain operator or user's associated data; The chip of general antenna paster and SIM/SD card is provided with the LED photoelectric tube; Accomplish intercommunication to obtain operator or ID through the link of LED photoelectric tube optocoupler between the chip of the payment on the antenna patch, safety and communication chip and SIM/SD card; Corresponding spectrum such as infrared ray capable of using, ultraviolet ray or visible light communicates; Transmission data rate can reach several Mbit/s, for increasing the light modulated transmitting range, through reducing LED photoelectric tube pulse signal dutycycle.

The module class of the photoelectric communication module of the payment on the antenna patch, safety and communication chip and the chip of SIM/SD card seemingly, the payment on the antenna patch, safety and communication chip obtain power supply through antenna coupling or foregoing method is obtained power supply from battery of mobile terminal.

When adopting the link of LED optocoupler, following structure is arranged:

1, LED is integrated on SIM/SD card and the general antenna paster: the position up and down that is stuck in portable terminal owing to SIM/SD is indefinite; In order to guarantee the photoelectric tube luminous flux; Take into account the application (particularly being stuck in below the battery) of all types of portable terminals simultaneously; At SIM/SD card four direction integrated quadruplet photoelectric tube LED respectively up and down, LED is as T-R tube.The space of considering the SIM draw-in groove is very little; LED manages and is no more than SIM/SD card plane when integrated so that in the plug of its draw-in groove; Equally at the also integrated cover photoelectric tube LED of general antenna paster; LED is as T-R tube, and the payment on the antenna patch, safety and communication chip link to obtain operator or ID through photoelectricity with SIM/SD the core of the card sheet, and optical communication is mainly carried out through the reflection of light in portable terminal.

2, ° make photoelectric tube LED penetrate the light direction shortcoming of SIM/SD card dorsad on the contrary the antenna patch Rotate 180 for solving because of avoiding battery electrode column; Said photoelectric tube LED adopts round wire and optocoupler or radio frequency flat wire mixing line with the optocoupler line of payment, safety and communication chip; Round wire be bent or bend the back with antenna patch on payment, safety and communication chip be connected; Therefore photoelectric tube LED can be at an easy rate with the antenna patch parallel plane on flat 180 ° of upsets on 180 ° or its vertical plane, thereby make LED light directive SIM/SD card.Especially; Be positioned in below the battery for SIM/SD; Can the pipe of the LED on the antenna patch is curved around below battery; The narrow slit that inclined to one side zero diopter coupling line can pass between battery and portable terminal at an easy rate is curved around the another side to battery, and like this, the optocoupler line is unlikely the extruding battery and influences the loading or unloading operation to battery.

Perhaps, said LED photoelectricity adopts soft circle line and flat wire mixing line with the optocoupler line of payment, safety and the communication chip of antenna patch, and this mixing line center section is a flat wire; An end that mixes line connects payment, safety and the communication chip of antenna patch; The other end connects the LED photoelectric tube; The jewelry, expensive clothing and other valuables circle line that mixes line with curved around storage line mode on antenna pickup coil next door cabling; And end at some edges of antenna patch,, it just have sufficiently long soft circle line to involve when being used for the large scale battery from this edge of antenna patch; Can bend the vacancy of reserving around this limit of antenna patch for unnecessary soft line; If SIM/SD is positioned in below the battery; Can the LED photoelectric tube on the antenna patch is curved around below battery; The narrow slit that flat wire can pass between battery and portable terminal at an easy rate is curved around the another side to battery, and like this, the optocoupler line is unlikely the extruding battery and influences the loading or unloading operation to battery.

Aforesaid way is applicable to the SIM of 2.5 * 1.5cm commonly used at present; But little SIM (Micro SIM) to 1.5 * 1.2cm; Like apple portable terminal (Apple) etc.; For this lesser calorie class portable terminal, because its SIM is very little so that be difficult to hold the payment system chip, so need the Kato of little SIM be designed to be integrated with the SIM holder of communication chip; And integrated communication chip is connected on 8 electrode contact blades of the center of Kato and SIM haptic element and the contact of portable terminal spring leaf and the Kato, and adopts the intercommunication mode of foregoing chip chamber so that like the mobile payment service association operator of the little SIM portable terminal of apple class.

, multi-bank card fusion related that native system can be realized with telecom dealer.For more effectively bundling, attract the user, mobile payment service needs related with each operator, and when promptly swiping the card at every turn or concluding the business, mobile-payment system need judge all whether this SIM is this provider customer.At every turn the start shooting chip of SIM of portable terminal all will read the sign that can discern operator or user from SIM, transacts on the net to prevent the rete mirabile user.The chip of SIM is monitored SIM I/O line through the C7 pin of SIM; When on SIM and network (mobile switch MSC) completion start flow process and I/O line (C7 pin), not having data stream and being high level " 1 "; The chip of SIM/SD card is used the clock (or self clock) of SIM C3 pin, IMSI (international mobile subscriber identity) in simulating mobile terminal and SIM communication instruction and the form reading SIM card and storage.When portable terminal is swiped the card at every turn or is concluded the business; The payment of antenna patch, safety and communication chip are asked for user identification code IMSI (or ICCID etc.) through power lead or radio frequency/base band or LED optocoupler chip on SIM; The payment of antenna patch, safety and communication chip payment transaction flow process all will be studied and judged this sign; Then allow transaction if belong to this Carrier Identification Code, otherwise Fail Transaction; On the other hand, these IMSI data also are used for " portable terminal wallet " professional account No. binding.

Simultaneously, native system can also be realized the function that merges with the multi-bank card.For multi-channelly carrying out mobile payment service, this programme realizes that on portable terminal mobile payment service is related with the merchant of bank.In order to carry out mobile payment service independently; Utilize Micro-sd (the secure digital card) flash card of portable terminal to carry payment system; It is mutual that still payment, safety and communication chip through foregoing antenna patch and SD stick into capable internal data, and accomplish the transaction flow of swiping the card via the card reader (or POS) of antenna pickup coil that is affixed on portable terminal limit wall and outside.Be integrated with the required SD the core of the card sheet of payment system, storer, data receipts/send out FIFO, buffer, codec, serial/parallel converter and communication transceiver etc. in the Micro-sd flash card, the payment on the antenna patch, safety and communication chip are communicated by letter with the chip internal of SD card and are still used foregoing power lead or radio frequency (or base band) or LED optocoupler mode.Under this mode, the payment on the antenna patch, safety and communication chip obtain user's account No. but not user's IMSI data from SD Ka Chu.

Because integrated multi-bank card system data in the SD card; Therefore need integrated central control module in the SD card; And manage, respectively pay subsystem in the dispatch card through bus (bus) mode, MPU, storer, communication module and external interface etc. are arranged in it, the communication instruction of portable terminal and SIM is monitored and resolved to central control module at any time; Because each payment subsystem is by the central control module unified management; Therefore, if this control module is judged communication data genus payment type instruction, then via controller is dispatched, is managed its subsystem of having jurisdiction over after resolving.This controller and mobile terminal system be connected in parallel, listening mode work, therefore can not influence the performance of the communication of mobile terminal system.The user presets main with bank and card number through portable terminal STK menu, other non-masters are forbidden communication with payment chip (or bank) by central control module.When portable terminal is swiped the card, the chip communication of the payment on the antenna patch, safety and communication chip and SD card because non-master is under an embargo with system, therefore only have main with chip can with payment, safety and the communication chip interaction data on the antenna patch.The user still changes being provided with if will use other banks and card number instead through portable terminal STK menu, use bank card instead as present user.

Simultaneously, native system can also be realized the function that merges with multi-operator.In order to share scientific and technological achievement, harmonious development win-win, this programme can all incorporate portable terminal with operator's payment systems such as China Mobile, China Telecom, CHINAUNICOM, both can be used for the GSM system, also can be used for the CDMA standard.Because SIM hair fastener power is grasped in each telecom operators' hand, therefore need to realize merging by be described below " multisystem paster ".

The pay this extra system merges simultaneously, and native system can also realize that the pay this extra system merges the function of multi-operator fusion simultaneously.This programme sticks on through " the multisystem paster " that merges carries out payment transaction on the SIM, and does not take C4, the C8 pin (high speed RFU port) of SIM.Consider time and the cost of investment of changing SIM; Change the about 100-120 of the expense unit of a 2.4G frequency SIM at present; The about 30-50 of the expense of the SIMPASS of 13.56M frequency unit; If development 500,000,000 mobile terminal payment users then change card cost hundred million yuan of 150-500 at least, so can use intelligent paste at mobile payment service establishment period or transitional period.

1. multisystem paster

This paster and SIM size is consistent and be close to its lower surface and the intelligent paste of 6 electrodes is arranged; Be integrated with radio frequency (or base band) or power lead or optocoupler LED communication system or LED transmitting-receiving amplifier and storer, a data receipts/FIFO, buffer, serial/parallel converter and I/O controller etc. on it; Paster obtains power supply through C1, the C5 pin of SIM on the one hand; Communicate by letter with SIM via its C7, C3 pin on the other hand; This paster is communicated by letter with SIM and is met ISO/IEC 7816 standards; And can be apparent as shielding through the command calls portable terminals such as APDU of GSM standard, resource such as internal memory, realize that thus mobile payment service is related with multi-operator, its communication and connected mode are with as stated.

2. chip position arrangement

Because the sim card slot space is very limited, this programme utilizes the card body body first half of SIM and the space between groups of springs to hold the payment system chip.

For energy-conservation, a lot of portable terminals can be closed some no parts, function after accomplishing the start flow process, like SIM/SD card clock etc., the chip simulating mobile terminal instruction of SIM/SD card need use SIM/SD card clock when reading the SIM/SD card information; For making payment transaction be applicable to all kinds of portable terminals; Integrated and the duplicate R/W read-write of SIM/SD card clock in the chip of SIM/SD card or antenna patch; So as to be in energy saver mode at portable terminal, when stopping paying out clock; This chip can utilize the clock of self to read data such as SIM/SD card IMSI or ICCID to the SIM/SD card through its pin, or the APDU command calls portable terminal through the GSM standard such as internal memory, keyboard, screen resource record such as show, show transaction data.

Consider that part portable terminal I/O receiver mobile terminal memory when standby still is in accepting state; During for the chip of avoiding the SIM/SD card and SIM/SD card self chip interaction data mobile terminal system is disturbed; Simultaneously because " multisystem paster " gone up integrated multi-operator system; Therefore integrated central control module and I/O data are led and are changed switch in the chip of SIM/SD card, with bus mode each subsystem are carried out unified management.In addition; Paster is divided into two with SIM/corresponding electrode of SD card C7 pin, and the one electrode sheet contacts (C7-1) with C7, and another electrode slice contacts (C7-2) with the card spring leaf; This two cube electrodes sheet is connected with this control module switches set, simultaneously its two electrode slice is separated with dielectric film.During mobile terminal-opening, its length is closed switching tube K1 and is communicated with the C7-1 electrode, and portable terminal is communicated with also interaction data, completion with SIM/SD cartoon road and communicates by letter; Accomplish start flow process and central control module normally closed switch pipe K2 when portable terminal and monitor the I/O line when being high level " 1 "; Just take family IMSI data to the SIM/SD Carcel; Switching tube K1 breaks off the C7-1 electrode then connects pin C5 under central controller controls simultaneously; Making portable terminal I/O is low level " 0 ", also promptly cuts off the passage of portable terminal and SIM/SD card, has so just avoided the influence of native system to mobile terminal system.When this central controller has obtained SIM/SD card IMSI data or after communication was accomplished with it, normally closed switch pipe K1 broke off pin C5 and connects the C7-1 electrode again, central control module is surrendered I/O serial ports control, keeps portable terminal and SIM/SD cartoon road unimpeded.When native system need call mobile terminal resource (as showing transaction record etc.), normally closed switch pipe K2 connects the C7-2 electrode, and normally closed switch pipe K1 swings to vacant shelves simultaneously.Native system is accomplished the back switching tube K1 that communicates by letter with mobile terminal system, K2 recovers ortho states again.

The communication instruction of portable terminal and SIM is monitored and resolved to central control module at any time; Because each payment subsystem is by the central control module unified management; Therefore; If this control module is judged communication data genus payment type instruction, then via controller is dispatched, is managed its subsystem of having jurisdiction over after resolving.This controller and mobile terminal system be connected in parallel, listening mode work, therefore can not influence the performance of the communication of mobile terminal system.

For rationally utilizing technical resource, saving cost of development, cultivate the user simultaneously and be accustomed to, branch out, excavate market rapidly, can be designed as the full mobile terminal radio frequency of double frequency system.

Said double frequency scheme is utilized RFID-(U) SIM of 2.4Ghz frequency; The mobile-payment system of 13.56M and 2.4Ghz two cover frequencies is dissolved in the portable terminal; The not only organic combination of two systems but also independently of one another; Under the 2.4G environment, the gate inhibition who accomplishes enclosed environment by RFID-(U) SIM checks card or the business of swiping the card such as ticket; And under the 13.56M environment, use public's payment transaction like POS machine class.On the RFID-of 2.4G (U) SIM, be integrated with foregoing and chip 2 or multisystem paster the 13.56M system, in portable terminal, be mounted with foregoing 13.56M antenna system simultaneously.System's use independently of one another of two cover frequencies at ordinary times, but when card-reading apparatus of card reader coexistence of two cover frequencies, owing to the 2.4G system should use at enclosed environment, so the user can be in portable terminal can to preset the 2.4G system through the STK menu preferential.When the 2.4G system swiped the card inefficacy, system just started the 13.56M system.Because in the portable terminal or the payment system of two cover frequencies arranged outward; Therefore this programme also is integrated with central control module in RFID-(U) SIM; Control thus, the orderly function of agreement two cover systems, the 13.56M chip 2 that is integrated in RFID-(U) SIM all is connected this central control module with the 2.4G chip and connects and receive its control, scheduling.Be integrated with MPU, storer, communication module, scheduling controller and external interface etc. on this control module, and transmit the payment subsystem and call portable terminal and (U) SIM resource instruction.When a chip system only being arranged when controller proposes communication request, controller does not start scheduling, arbitrates control flow and directly permission communication; And as two chip systems (being two port) during simultaneously to the controller communication request; This controller only allows the 2.4G system to start; Simultaneously the request of 13.56M system is hung up; To controller loopback communication message, if the 2.4G system swipes the card successfully, then central control module stopped whole flow process after flow process was accomplished 2.4G system swipes the card; If its failure of swiping the card, then control module starts the 13.56M system,

When the bonnet of portable terminal is a non-metallic material, perhaps the bonnet of portable terminal is metal material and edge when being nonmetal, said general antenna paster is affixed on battery and the limit wall get final product; When the shell of portable terminal is that all-metal and edge are when being inlaid with gold; Then at inside and outside each attaching antenna paster of portable terminal bonnet; Line and the inboard antenna patch transmission of bonnet signal that the signal of the antenna patch coupling card reader in the bonnet outside wears long and covers the side slit later; It is different with the upper-lower position of battery to look the SM/SD card; The chip of the inboard antenna patch of bonnet and SIM/SD card carries out intercommunication and is divided into: 1. if SIM/SD card and battery isoplanar, then payment, safety and the communication chip on the antenna patch of bonnet inboard through the wireless or direct SIM/SD the core of the card of LED optocoupler mode sheet intercommunication to obtain operator or ID; 2. if SIM/SD be stuck in battery with below; Then the inboard antenna patch of bonnet carries out inductive coupling, transmits signal with the general antenna paster that is affixed on the battery, and by the LED optocoupler of the payment on the antenna patch, safety and communication chip or the SIM/SD the core of the card sheet intercommunication under power lead and the battery or directly through wireless mode to obtain operator or ID.

The beneficial effect of the utility model is following:

The utility model can be realized the non-transformer powering mode, the power supply powering mode is arranged through being affixed on the general antenna paster various power scheme on the battery, and is when the power supply power supply is arranged, can also realization condition active to reach purpose of energy saving; Provide based on 13.56Mhz general antenna paster and anti-shielding mobile-payment system; This system can solve all disadvantages of present 13.56M technology well; Must not change under the situation of portable terminal the user; Not of uniform size, all kinds of portable terminals that style is different that make near field payment transaction generally be fit to comprise metal back cover and have that battery blocks; Also having overcome the SIMPASS technology needs the limiting mobile terminal size and limits the bonnet material and the fixing defectives such as " debating son " line of length; Also avoided simultaneously must changing the great number cost of portable terminal because of external NFC-SWP technical user; " initiatively ", " passive " of also having realized the distinctive portable terminal of NFC technology reach " label " three kinds of communication patterns, and can also on the portable terminal portable terminal, merge the payment transaction that comprises many operators such as bank, telecommunications, can promote to move the development of near field payment transaction greatly.

Description of drawings

Fig. 1 is a kind of tiling structural representation of the passive antenna paster of the utility model

Fig. 2 is the structural representation that the another kind of the passive antenna paster of the utility model tiles

Fig. 3 is affixed on the structural representation on the battery for the passive antenna paster of Fig. 1

Fig. 4 is affixed on the structural representation on the battery for the passive antenna paster of Fig. 2

Fig. 5 is the structural representation of passive antenna paster of the parallel connection type of the utility model

Fig. 6 is the structural representation of passive antenna paster of the another kind of parallel connection type of the utility model

Fig. 7 sticks on the synoptic diagram on battery limit wall and surface for the antenna patch of the utility model

Fig. 8 is the two-sided passive stacked antenna paster structure synoptic diagram of the utility model

Fig. 9 adopts the antenna patch of active system and the synoptic diagram of current electrode contact for the utility model

The dress of battery electrode groove and electrode contact blade pasted synoptic diagram when Figure 10 adopted the antenna patch of active system for the utility model

The synoptic diagram of the electrode contact blade when Figure 11 adopts the antenna patch of active system for the utility model in the jacking battery case

Figure 12 makes power lead and LED optocoupler connecting line construction synoptic diagram for the jewelry, expensive clothing and other valuables circle line of the utility model on the active antenna paster

Figure 13 is the dress subsides synoptic diagram of the integrated two soft circle lines of the antenna patch among Figure 12 as power lead and electrode contact blade

Figure 14 is the structural representation in the opposite end, terminal of the utility model LED optocoupler line and payment, safety and communication chip and battery

Figure 15 works in Passive Mode and the power down structural representation when swiping the card for the payment portable terminal of the utility model

Another synoptic diagram when Figure 16 swipes the card for the payment portable terminal aggressive mode of the utility model and power down

Figure 17 is for the payment portable terminal master/Passive Mode and the power down of the utility model are swiped the card, the synoptic diagram of automatic adjustment distance

Figure 18 is that the signal modulation and the card reader of the utility model receives the signal sequence synoptic diagram

Figure 19 cuts the synoptic diagram of inhaling the ripple substrate for the gridding substrate of the utility model is tearable

Figure 20 cuts the another kind of synoptic diagram of inhaling the ripple substrate for the gridding substrate of the utility model is tearable

Figure 21 adopts the intercommunicating schematic diagram of portable terminal power lead between the chip of the utility model

Figure 22 is the battery of mobile terminal contact of the utility model and the connection layout of paster antenna

Figure 23 utilizes the process flow diagram of portable terminal power line communication for the utility model

Figure 24 adopts the synoptic diagram of customization payment portable terminal internal data line for the utility model

Figure 25 is the battery data line contact and the data line cushion socket synoptic diagram of the utility model

Figure 26 is the synoptic diagram of the antenna patch RF radio-frequency receiving-transmitting of the utility model

Figure 27 is the synoptic diagram of the antenna patch base band transmitting-receiving of the utility model

Figure 28 is the synoptic diagram of the SIM/SD card base band transmitting-receiving of the utility model

Figure 29 is the synoptic diagram of the SIM/SD card light-electric coupling transmitting-receiving of the utility model

Figure 30 is the synoptic diagram of the antenna patch photoelectricity coupling transmitting-receiving of the utility model

Figure 31 lays synoptic diagram for the SIM and the battery isoplanar photoelectric tube of the utility model

Another lays synoptic diagram to Figure 32 for the SIM of the utility model and battery isoplanar photoelectric tube

Figure 33 is positioned at fixed height of photocell synoptic diagram under the battery for the SIM of the utility model

Figure 34 is positioned at fixed height of photocell synoptic diagram under the battery for the SIM of the another side of Figure 30

Figure 35 is the checking process flow diagram of the associated data of the utility model

Figure 36 is the multi-bank card near field payment system synoptic diagram of the utility model

Figure 37 is positioned over the synoptic diagram that is positioned between SIM and draw-in groove for the chip of the utility model

Figure 38 is positioned over the side schematic view that is positioned between SIM and draw-in groove for the chip of the utility model

Figure 39 leads the synoptic diagram that changes switch for the multisystem chip data of the utility model

When Figure 40 is used for the full metal jacket portable terminal for the utility model the SIM/SD card is installed on the synoptic diagram below the battery

The synoptic diagram of when Figure 41 is used for the full metal jacket portable terminal for the utility model SIM/SD card and battery isoplanar being installed

Figure 42 is the Micro-SIM card Kato synoptic diagram that is integrated with payment system of the utility model

Figure 43 is the central controller of the utility model and the synoptic diagram of two cover payment systems

Figure 44 is the startup process flow diagram of the full mobile terminal radio frequency of the double frequency of the utility model system

Embodiment

Embodiment 1

Shown in Fig. 1-8; Near field payment system based on anti-shielding general antenna paster; Comprise the general antenna paster 3 that is affixed on the battery 4, substrate 15 two sides of this antenna patch 3 all scribble the absorbing material of high permeability, and wherein the one side of antenna patch 3 is pasted on portable terminal 14 batteries, 4 surfaces and the battery 4 limit walls; The another side of antenna patch 3 is printed with some circle antenna pickup coils 5, is integrated with the payment, safety and the communication chip 1 that are used for payment transaction on the antenna patch 3; Said antenna pickup coil 5 is used to receive the card reader signal and replys card reader as the antenna of this payment system; Said payment, safety and communication chip 1 obtain power supply through the electromagnetic energy of antenna pickup coil 5 coupling card reader, make that this system is a passive system.

According to " Lenz law "; Magnetic flux Ψ=N * B * S; N is a coil turn; Be to increase battery 4 limit wall coil magnetic field induction amounts, and consider that coil inductance makes the influence of difficulty to resonant capacitance, can battery 4 limit wall coil single faces close around multiturn coil or perfecting around multiturn coil to increase antenna magnetic field induction amount intensity.

Said payment, safety and communication chip 1 are integrated with the rectifying device that is used for the 13.56M coupled signal.

According to antenna pickup coil 5 on antenna patch 3, enclose around mode; The mode that antenna pickup coil 5 crosses battery 4 surfaces and battery 4 limit walls fully is printed on the antenna patch 3; Perhaps antenna pickup coil 5 cross fully battery 4 surface and around battery 4 limit wall circles around mode be printed on the antenna patch 3, antenna patch 3 is integrated with battery 4.

When antenna patch 3 parts that are affixed on battery 4 limit walls were longer than antenna patch 3 parts that are affixed on battery 4 surfaces, because the area of its coil has more one section, so coupling effect was better.But when it was used for small size portable terminal 14, the antenna patch that grows can be rolled over the battery 4 limit walls that are attached to battery 4 no poles, if this face has battery electrode column, then with behind antenna patch 3 Rotate 180s ° on the limit on its opposite wall paste.

For adapting to the portable terminal 14 of various sizes; With antenna patch 3 integrated being on large-sized high permeability suction ripple film; The substrate 15 of said suction ripple film is made up of some tearable grids of cutting, and can tear along grid and cut, and the absorbing material powder with high magnetic conduction when making the suction wave plate is injected in its two sides; Because the suction wave plate of gridding is the benchmark preparation with big portable terminal 14 batteries 4, can tear the battery of cutting to adapt to different size 4 as required according to the size of battery 4 when therefore using.For large scale portable terminal 14, because this antenna patch size is less than its size, therefore fully can be fit bonding; And, then can adjust the size of the suction ripple substrate 15 of (or shear) high permeability for small size portable terminal 14, shown in Figure 19-20.

When portable terminal 14 bonnets 31 are non-metallic material, then only need antenna patch be affixed on its battery 4 surfaces and can use.

When portable terminal 14 bonnets 31 when being nonmetal, then antenna patch 3 is affixed on and uses on battery 4 surfaces and the limit wall, its edge non-metallic regions coupled signal of the limit wall antenna by using of battery 4 for metal material and its edge.

The internal data communication mode of said system can utilize portable terminal 14 its own power source line communications, also can adopt the wireless link mode, and the wireless link mode comprises: radio frequency or base band link, and shown in Figure 26-28.

Perhaps the chip 1 of said system, between 2 through carrying out intercommunication with the link of radio frequency or base band, perhaps can also adopt the link of LED (Light Emitting Diode) optocoupler, shown in Figure 29-30.

Embodiment 2

Shown in Fig. 9-12; Near field payment system based on anti-shielding general antenna paster; Comprise the general antenna patch 3 that is affixed on the battery, substrate 15 two sides of this antenna patch 3 all scribble the absorbing material of high permeability, and wherein the one side of antenna patch 3 is pasted on portable terminal 14 batteries, 4 surfaces and the battery 4 limit walls; The another side of antenna patch 3 is printed with some circle antenna pickup coils 5, is integrated with the payment, safety and the communication chip 1 that are used for payment transaction on the antenna patch 3; Said antenna pickup coil 5 is used to receive the card reader signal and replys card reader as the antenna of this payment system; Wherein, Integrated 3-5 electrode rake 6 on the end face of said antenna patch 3; Electrode rake 6 is fixed on the antenna patch 3 when dispatching from the factory; One end of each electrode rake 6 all is connected to payment, safety and communication chip 1, and the other end of each electrode rake 6 is connected with two cube electrode contacts 8 respectively through two soft circle lines 7, and said electrode contact blade 8 is used for contacting with battery electrode groove 9 positive and negative contacts and obtains power supply; Perhaps; Shown in Figure 12-14; Harrow 6 without electrode on the above antenna patch 3, but at this antenna patch 3 and the power lead of integrated two soft circle lines 7 as antenna system 3, this is payment, safety and the communication chip (1) of a connection antenna patch 3 of round line 7 carefully; The other end connects two cube electrode contacts 8 respectively; These two soft circle lines 7 with the bending circle around storage line mode along the aerial coil 5 next door cablings of antenna patch 3, and stop at antenna patch 3 edges at antenna patch payment, safety and communication chip (1) opposite slightly to the right or left, when it is used for large scale battery 4, just have sufficiently long soft circle line 7 to go out from this edge tractive of antenna patch 3; This two cube electrodes contact 8 contacts with the both positive and negative polarity contact of battery electrode groove 9, can enclose the vacancy of reserving around antenna patch 3 these limits for unnecessary soft line 7; When the battery electrode column 9 of portable terminal during, only need just can embed battery electrode groove 9 around 180 ° with these two soft circle 7 lines are flat at the other end; Said payment, safety and communication chip 1 are connected with the electrode thimble 11 of portable terminal 14 through this electrode contact blade 8 and communicate by letter with mobile terminal system, make that native system is an active system.

The length of electrode contact blade 8 slightly is longer than battery 4 limit walls, and an end of electrode contact blade 8 can fixedly be affixed on the edge near battery 4 limit walls, and the limit wall that twined battery 4 then is pasted on the other end another side of battery 4.This had both fixed electrode contact blade 8, was convenient to the battery 4 that this face has electrode contacts again.When the electrode contact blade that posts 8 when battery 4 inserts portable terminals 14; The electrode contact pilotage that utilizes portable terminal 14 with electrode contact blade 8 well roof pressure in battery electrode groove 9; Thus; This two cube electrodes contact 8 both was communicated with portable terminal 14, and link to each other with antenna patch 3 again (can tearing off or cut off) for unnecessary electrode contact blade 8, electrode rake 6, electrode contact blade 8 just can utilize battery 4 for antenna patch 3 power supply to be provided like this.On the other hand, utilize soft circle line 7 curved be convenient to electrode contact blade 8 around characteristic can the move left and right position when seeking the groove position of battery electrode groove 9, but but also opposed polarity of two cube electrode contacts, 8 same polarities of same electrode rake 6.

Said payment, safety and communication chip 1 are integrated with the rectifying device that is used for the 13.56M coupled signal, and the both positive and negative polarity position of said electrode contact blade 8 does not influence the chip power system.Because said electrode contact blade is arbitrarily adjustable in the position, the left and right sides of this limit wall of battery; Antenna patch can also integral level move on battery 4 simultaneously; Therefore, be provided with the various portable terminals that antenna patch can pervasive different sizes, thickness is different of electrode contact blade, also comprise various mobile phones.

According to antenna pickup coil 5 on antenna patch, enclose around mode; The mode that antenna pickup coil 5 crosses battery 4 surfaces and battery 4 limit walls fully is printed on the antenna patch 3; Perhaps antenna pickup coil 5 cross fully battery 4 surface and around battery 4 limit wall circles around mode be printed on the antenna patch 3, antenna patch 3 is integrated with battery 4.

When the antenna patch that is affixed on battery 4 limit walls was partly partly long than the antenna patch that is affixed on battery 4 surfaces, because the area of its coil has more one section, so coupling effect was better.But when it was used for small size portable terminal 14, this antenna patch that has more can be rolled over and be attached to the battery 4 limit walls that battery does not have pole, if this face has battery electrode column, then with behind the antenna patch Rotate 180 ° on the limit on its opposite wall paste.

For adapting to the portable terminal 14 of various sizes; Antenna patch 3 integrated large scale and the two sides of being are all had on the thin soft substrate 15 of high permeability absorbing material; The thin soft substrate 15 of said suction wave plate is made up of some tearable grids of cutting, and can tear along grid and cut, and makes when inhaling wave plate high magnetic conduction powder is injected in its two sides; Because the suction wave plate of gridding is the benchmark preparation with big portable terminal 14 batteries 4, can tear the battery of cutting to adapt to different size 4 as required according to the size of battery 4 when therefore using.For large scale portable terminal 14, because this antenna patch 3 sizes are less than its size, therefore fully can be fit bonding; And, then can adjust the size that (or shearing) antenna patch 3 is inhaled wave plate for small size portable terminal 14, shown in Figure 19-20.

For preventing antenna patch 3 because of influencing the impedance matching of portable terminal 14 to battery 4 power takings, therefore can be on native system integrated build-out resistor.

Internal data communication mode between said System on Chip/SoC can utilize portable terminal 14 its own power source line communications, also can adopt the wireless link mode, and the wireless link mode comprises: radio frequency or base band link, and shown in Figure 26-28.

Embodiment 3

According to the embodiment of active system, can be further designed to the condition active system:

Said antenna patch 3 is integrated with the inductive coupling module and condition has source module duplex feeding module, and the inductive coupling module is by antenna pickup coil 5 induction power supplies, and condition has source module by 4 power supplies of portable terminal 14 batteries; Said inductive coupling module comprises antenna pickup coil 5, commutation diode, isolating diode VD, RC filtering unit and the voltage stabilizer 10 that is parallel with electric capacity; When portable terminal does not have electricity;, behind the whole heap stream of commutation diode, isolate, be payment, safety and communication chip 1 power supply after the filtering of RC assembly, voltage stabilizer 10 voltage stabilizings by the card reader signal of antenna pickup coil 5 coupling through isolated tube diode VD; Said condition has source module to comprise switching tube G1, switching tube G2, loop actuating switch pipe K1, loop actuating switch pipe K2, RC assembly, voltage stabilizer 10 and payment, safety and communication chip 1; The end of switching tube G1, switching tube G2 all is connected with battery 4 positive poles, and the other end of switching tube G1, switching tube G2 is connected with payment, safety and communication chip 1 through isolating diode VD; When portable terminal is swiped the card; Because switching tube G1, switching tube G2 lead at antenna coupled voltages lower whorl conductance; Therefore battery 4 is payment, safety and communication chip 1 power supply through switching tube G1, switching tube G2, and at this moment, the voltage of inductive coupling module coupling also is payment, safety and communication chip 1 power supply; The two-way power supply is combined into one the tunnel at RC filtering unit place, and condition has source module and inductive coupling module to isolate through isolated tube diode VD.

Simultaneously, " aggressive mode, Passive Mode and label mode " three kinds of communication patterns need be set, wherein on portable terminal 14; As card reader, antenna patch obtained power supply from the battery 4 of portable terminal 14 when portable terminal 14 worked in " aggressive mode ", when portable terminal 14 works in " Passive Mode " or " label mode "; When only portable terminal 14 was swiped the card, battery 4 just was antenna patch auxiliary power supply, i.e. condition active system; Also possesses the power down function of swiping card simultaneously, shown in Figure 15-16; Be provided with sound detector 16 and signal projector 22 between resonance coil and the chip 1; Resonance coil is provided with the modulation switch 17 of resonance coil; A receipts/amplifier 18, condition active switch 19 can also be set, and payment, safety and communication chip 1 are connected with crystal oscillator 20, frequency divider 21,13.56Mhz traffic filter 23 and power supply energy-saving module 33.

The power initiation principle of said antenna patch: in antenna pickup coil 5, directly induce voltage by external signal and start supply module; When swiping the card; Antenna patch 3 is caught 13.56Mhz frequency signal that card reader sends and resonance on this frequency; 13.56Mhz the positive half cycle voltage of signal ends switching tube G1 conducting, the switching tube G2 of low valve valve voltage, so the switching tube G1 of portable terminal 14 power supplys through conducting provides power supply after voltage stabilizer 10 voltage stabilizings, for payment, safety and communication chip 1; 13.56Mhz signal negative half period voltage makes, and switching tube G1 ends, switching tube G2 conducting, the battery 4 of portable terminal 14 provides power supply after filtering, voltage stabilizing, for payment, safety and communication chip 1 through the switching tube G2 of conducting again, so circulation; When not swiping the card, switching tube G1, switching tube G2 all end, thus, supply module only when swiping the card battery 4 sides of portable terminal 14 payment system is supplied power; Said switching tube G2, switching tube G1 are metal-oxide-semiconductor, by switching tube K1, switching tube K2 return passage are provided when switching tube G2, the switching tube G1 conducting respectively;

The power down of the said supply module workflow of swiping the card:

When 4 power supplies of portable terminal 14 batteries, battery 4 voltages are payment, safety and communication chip 1 power supply through switching tube G and after filtering, voltage stabilizing; When battery 4 does not have electricity, be payment, safety and communication chip 1 power supply by antenna pickup coil 5 direct coupled signals and after rectification, filtering, voltage stabilizing, isolating diode VD prevents that induced voltage from releasing from switching tube K1, K2 after rectification; When portable terminal 14 batteries 4 did not have electricity, because antenna patch 3 can not obtain operator's associated data, kind, the number of times of swiping the card were limited.

In above-mentioned two kinds of embodiments; For avoiding crossing weak causes system job insecurity because of the antenna coupled signal; Can the signal of coupling be amplified; I.e. payment, safety and communication chip 1 are integrated with two amplifiers that are used for 13.56Mhz, are respectively receiving signal amplifier and positive feedback resonance amplifier; Receiving signal amplifier is used to amplify the incoming wave signal of antenna pickup coil 5 coupling card reader; The positive feedback resonance amplifier is used to amplify the answer signal that returns to card reader, and the shared described antenna pickup coil 5 of receiving signal amplifier and positive feedback resonance amplifier, antenna pickup coil 5 are used for signal reception and signal emission; Receiving signal amplifier and positive feedback resonance amplifier time-sharing work; That is, receive the stage at signal, receiving signal amplifier amplifies the incoming wave signal of antenna pickup coil 5 coupling card reader; Positive feedback this moment resonance amplifier is not worked; But in the signal acknowledgment phase, the positive feedback resonance amplifier amplifies, replys the modulation signal that returns to card reader, and receiving signal amplifier quits work; Said antenna pickup coil 5 is a resonance L/C coil, as resonant load;

The workflow of said positive feedback resonance amplifier is following:

A, 13.56Mhz signal receive the stage: in the antenna pickup coil 5 coupling card reader signal phase of antenna patch 3; Owing to also do not have coding, the modulation acknowledgment phase of entering signal; Therefore " coding enables " level of payment, safety and communication chip 1 is " 0 "; Switching tube K1 ends, and positive feedback resonance amplifier A2 power down quits work, and receiving signal amplifier A1 under switching tube K2 effect electric and 13.56Mhz incoming wave signal amplified;

B, antenna patch 3 are to the card reader acknowledgment phase; " coding enables " level of payment, safety and communication chip 1 is permanent to be " 1 "; Signal is behind payment, safety and communication chip 1 graceful Chester or miller coding: 1. if " modulating pulse " be " 1 ", and XOR gate 12 output logic level " 0 " then, switching tube K1 disconnection, positive feedback resonance amplifier A2 dead electricity quit work; 13.56Mhz signal does not amplify in positive feedback resonance amplifier A2; On the other hand, down by " load-modulate pipe " short circuit, the off resonance of resonant antenna L/C coil, Q value descend resonant antenna L/C coil at high level " modulating pulse "; The influence of reading card device is minimum, and card reader judges that the answer signal that this time returned is " 1 "; 2. if " modulating pulse " be " 0 ", XOR gate 12 output logic level " 1 " then, switching tube K1 conducting, positive feedback resonance amplifier A2 get electrician's work; 13.56Mhz signal in the resonance L/C coil is exaggerated in positive feedback resonance amplifier A2; Because " modulating pulse " be " 0 ", " load-modulate pipe " ended, so resonance L/C coil not by short circuit, be in the natural resonance state; Because the signal that returns is exaggerated at positive feedback resonance amplifier A2; Therefore resonance L/C coil strengthens with the mutual inductance of card reader, and the reflected impedance of reading card device is maximum, and this time of card reader judgement returned is encoded to " 0 "; In the case, receiving signal amplifier A1 quits work because of switching tube K2 ends;

Simultaneously; Said payment, safety and communication chip 1 are by increasing, subtract the gain of regulating the positive feedback resonance amplifier automatically to programming resistors device 23 resistances; Distance meets code requirement so that swipe the card, and after calibrated distance, the resistor coding value is stored in chip 1, shown in Figure 17-18;

On the said resonance L/C coil, resonance coil L connects with capacitor C, and capacitor C is for preventing the stray capacitance of positive feedback resonance amplifier A2.

When system is active system, for preventing antenna patch 3 because of influencing the impedance matching of portable terminal 14 to battery 4 power takings, therefore can be on antenna patch 3 integrated build-out resistor.

The internal data communication mode of said system utilizes portable terminal 14 its own power source line communications; Integrated chip 2 carries out intercommunication to obtain operator or user's associated data on the payment of antenna patch 3, safety and communication chip 1 and the SIM/SD card, accomplishes the mutual of internal data automatically; When swiping the card at every turn or concluding the business; Antenna patch 3 is all wanted operator's sign or international mobile subscriber identity data (IMSI) to the SIM/SD Carcel; Wait for SIM/SD card passback data at the appointed time; And judge its attribute; If this provider customer then allows transaction; Otherwise do not allow transaction, international mobile subscriber identity (IMSI) also is used for the account No. of user bound; If payment, safety and the communication chip 1 of antenna patch 3 are not received the passback data in regulation in the time limit, then conclude the business with the associated data of nearest storage; Wherein based on the different phase of market development, native system has does not change two kinds of scheme replies of portable terminal 14 schemes and the scheme that adopts customization portable terminal 14 different phase;

A, the communication process of not changing portable terminal 14 schemes are following: the payment, safety and the communication chip 1 that are integrated on the antenna patch 3 are integrated with payment function and security function; When antenna paster 3 installs, when battery 4 inserts portable terminals 14; Utilize battery 4 and portable terminal 14 power leads transmission internal correlation data; And adopt jamproof " DSSS " (DSSS) method; Be about to all to be serially connected with a sampling resistor 26,27 on the loop that chip 2 integrated on payment, safety and communication chip 1 and the SIM/SD card on the antenna patch 3 forms with portable terminal 14 power leads respectively; On portable terminal 14 power leads, transmit with signal through feedback on the sampling resistor through spread spectrum accent carrier modulation (BFSK frequency shift keying or BPSK phase-shift keying (PSK)); Integrated chip 2 is sampled, filtering, demodulation, is separated and extend to differentiation the variation of the electric current on two sampling resistors, voltage respectively on payment, safety and communication chip 1 and the SIM/SD card, accomplish chip 1, between 2 intercommunication to obtain operator or user's associated data; For realizing this function, will be isolated into two halves with dielectric film 35 with the end face of battery 4 electrodes in contact contacts 8, wherein half connects antenna patch 3 and movable electrode terminal thimble 14, and second half then is connected with battery 4;

When portable terminal 14 powered up, the intercommunication flow process between the chip 2 of the payment on the antenna patch 3, safety and communication chip 1 and SIM/SD card was to obtain operator or user's associated data:

1. install and battery 4 when inserting portable terminals when antenna paster 3; The chip 2 of SIM/SD card obtains power supply; For guarantee electric current on the power lead stable, ensure internal data accurately; This moment, the chip 2 of SIM/SD card closed the I/O line that switching tube K1 breaks off SIM/SD card and portable terminal through long, and by the storer of the chip 2 of SIM/SD card the start-up command that portable terminal mails to the SIM/SD card was kept in;

When 2. battery 4 inserts portable terminal 14 also to starting electric capacity 24 chargings; Voltage on the starting resistance 25 makes payment on the antenna patch 3, safety and communication chip 1 obtain power supply and sends the Frame that lead code is arranged through band spectrum modulation and carrier modulation to the chip 2 of SIM/SD card through the sampling resistor on the antenna patch 3 26; Voltage on the sampling resistor 26 on the antenna patch 3, change in current pass to the sampling resistor 27 of SIM/SD card through power lead, and the electric quantity change of the sampling resistor 27 on 2 pairs of SIM/SD cards of the chip of SIM/SD card is done sampling, despreading, filtering, demodulation and parsing; In the 2 echo back data stages of chip of SIM/SD card; For reducing influence to portable terminal 14 power-supply systems; The chip 2 simulation SIM/SD card working conditions of SIM/SD card, electric parameter; Through switching tube K2 self load is turned down; Through band spectrum modulation and carrier modulation the Frame of lead code is arranged through payment, safety and communication chip 1 loopback of the sampling resistor on the antenna patch 3 26 on antenna patch 3 then, the payment on the antenna patch 3, safety and communication chip 1 obtain operator or user's associated data from the chip 2 of SIM/SD card;

3. the payment on the antenna patch 3, safety and communication chip 1 carry out filtering, despreading, demodulation, parsing through 26 pairs of electric quantity change signals of the sampling resistor on the antenna patch 3, if data check is correct, then notify the chip 2 of SIM/SD card to finish communication; Payment on the antenna patch 3, safety and communication chip 1 are just accomplished intercommunication to obtain operator or user's associated data with the chip 2 of SIM/SD card thus;

4. the chip 2 of SIM/SD card is received the disconnecting signal of payment, safety and communication chip 1 on the antenna patch 3 through the sampling resistor on the SIM/SD card 27 via power lead; Just recovery length is closed switching tube K1 state makes SIM/SD card I/O line unimpeded, and transmits 14 instructions of the temporary portable terminal of its storer to the SIM/SD card;

5. about a few minutes after the portable terminal 14 completion start flow processs, start the rising of electric capacity 24 charging voltages starting resistance 25 power down, the payment on the antenna patch 3, safety and communication chip 1 are quit work with the saving power supply;

Through said process, the internal data of chip 2 of when battery 4 inserts portable terminals 14, just accomplishing payment, safety and communication chip 1, SIM/SD card is mutual, to obtain operator or user's associated data;

When portable terminal 14 was swiped the card, the intercommunication flow process between the chip 2 of the payment on the antenna patch 3, safety and communication chip 1 and SIM/SD card was to obtain operator or user's associated data:

For making related this operator of payment transaction; What prevent antenna patch 3 electrode contact blades 8 and battery 4 artificially is connected the flexible cord tear fracture; Swipe the card at portable terminal 14, the payment on the antenna patch 3, safety and communication chip 1 obtain in the power supply; Obtain associated data through the sampling resistor on the antenna patch 3 26 to the chip 2 of SIM/SD card, the payment on the antenna patch 3, safety and 1 pair of following three kinds of situation of communication chip are studied and judged:

1. the sampling resistor 26 on the antenna patch 3 does not have signal level:

This situation possibly be that not have the flexible cord that is connected of electricity or antenna patch 3 and battery 4 (be exactly the thin round line 7 that the front is said to portable terminal 14 batteries 4; Can bend arbitrarily around) by artificial tear fracture; Because payment, safety and communication chip 1 when battery 4 inserts portable terminal 14 on the antenna patch 3 have obtained associated data from the chip 2 of SIM/SD card; No matter therefore be that power down or connection flexible cord are disconnected; Payment on the antenna patch 3, safety and communication chip 1 are all swiped the card, are concluded the business by the operator in the nearest stored record or user's associated data, but the cumulative number of swiping the card or concluding the business is limited; When battery 4 had electricity, the payment on the antenna patch 3, safety and communication chip 1 rebulid with the chip 2 of SIM/SD card and communicate by letter, and then were used for the totalizer zero clearing of accumulative total transaction count;

2. the sampling resistor 26 on the antenna patch 3 has signal level, but intercommunication is disturbed:

If payment, safety and the communication chip 1 on the antenna patch 3, chip 2 intercommunications of SIM/SD card get nowhere; Promptly the regulation time limit confiscate the SIM/SD card chip 2 echo back datas or payment, safety and 1 pair of loopback of communication chip data repeatedly verification make mistakes, then said mobile-payment system is swiped the card, is concluded the business by the operator in the nearest stored record or user's associated data;

3. the sampling resistor 26 on the antenna patch 3 has signal level, and intercommunication is noiseless:

This moment is not because portable terminal 14 has communication event; Therefore the electric current on portable terminal 14 power leads is very steady, and the payment on the antenna patch 3, safety and communication chip 1 are swiped the card, concluded the business from up-to-date operator or user's associated data of chip 2 acquisitions of SIM/SD card;

Accomplish above-mentioned communication process, concrete realization circuit structure is:

Switching tube K and sampling impedance and sampling/amplification etc. are integrated in respectively and reach on the antenna patch 3 in the SIM/SD card, shown in Figure 16～18, the dotted line left side be the parts of native system, all be integrated in antenna patch 3 the insides or the chip 1; The right be SIM the inside, it all is integrated in SIM the inside or the chip 2, shown in Figure 21-23.

The scheme of B, employing customization portable terminal 14: in the case; Payment on the antenna patch, safety chip are integrated in the chip 2 of SIM/SD card; And only keep communication chip 1a on the antenna patch; And the intercommunication data of 2 of chips through battery electrode contact and power circuit thereof transmission chip 1a and SIM/SD card are to obtain operator or user's associated data; The serial/parallel I/O communication port of the communication chip 1a on antenna patch 3 and the chip 2 of SIM/SD card physically is provided with a single worker or two duplex data lines; This single worker or two duplex data lines get final product through setting up one or two electrode contact blade 8 at battery 4 arbitrary walls; Between the chip 2 of the communication chip 1a on the antenna patch 3, SIM/SD card, set up simultaneously an antenna induction power lead again; So that 2 of the chips of the communication chip 1a when battery 4 does not have electricity on the antenna patch 3, SIM/SD card still can be accomplished intercommunication obtaining operator or user's associated data, and on battery 4 limit walls, increase corresponding connection electrode 9 so that battery has just connected when inserting portable terminal 14, but or on battery 4 and portable terminal 14, install the concavo-convex spring leaf socket of electrode (pin) of plug additional; Be convenient to draw being connected of this data line and power lead, shown in Figure 24-25 with the SIM/SD card.

The communication mode of native system can also adopt the wireless link mode, and the wireless link mode comprises: radio frequency or base band link, carry out intercommunication through linking between the chip with radio frequency or base band.

Shown in figure 29; The communication mode of native system perhaps can also adopt the link of LED (Light Emitting Diode) optocoupler; On the chip 2 of general antenna paster 3 and SIM/SD card, be provided with LED photoelectric tube 30; Accomplish intercommunication to obtain operator or ID through the link of LED photoelectric tube 30 optocouplers between the chip 2 of the payment on the antenna patch 3, safety and communication chip 1 and SIM/SD card, utilize corresponding spectrum such as infrared ray, ultraviolet ray or visible light to communicate, transmission data rate can reach several Mbit/s; For increasing the light modulated transmitting range, through reducing LED photoelectric tube 30 pulse signal dutycycles.

The module class of the photoelectric communication module of the payment on the antenna patch 3, safety and communication chip 1 and the chip 2 of SIM/SD card seemingly; Payment on the antenna patch 3, safety and communication chip 1 obtain power supply through the antenna coupling or foregoing method is obtained power supply from portable terminal 14 batteries 4, and be shown in figure 30.

When adopting the link of LED optocoupler, following structure is arranged:

1, LED is integrated on antenna patch 3 and the SIM/SD card: the position up and down that is stuck in portable terminal owing to SIM/SD is indefinite; In order to guarantee the photoelectric tube luminous flux; Take into account the application (particularly being stuck in below the battery 4) of all types of portable terminal 14 simultaneously; At SIM/SD card four direction integrated quadruplet photoelectric tube LED respectively up and down, LED is as T-R tube.The space of considering the SIM draw-in groove is very little, and LED manages and should be no more than SIM/SD card plane when integrated so that in the plug of its draw-in groove; An also integrated cover photoelectric tube LED on antenna patch 3, LED is as T-R tube, and optical communication is mainly carried out through the reflection of light in portable terminal 14.

2, as Figure 31-34 be depicted as solution because of need avoid battery 4 poles with antenna patch 3 Rotate 180s ° on the contrary photoelectric tube LED penetrate the light direction shortcoming of SIM/SD card dorsad; Said photoelectric tube LED 30 adopts round wire 28 to mix line with optocoupler or radio frequency flat wire 29 with the optocoupler line of payment, safety and communication chip 1; And be connected with payment, safety and communication chip 1 on the antenna patch 3 with crooked round wire 28; Therefore photoelectric tube LED can be at an easy rate with antenna patch 3 parallel planes on flat 180 ° of upsets on 180 ° or its vertical plane, thereby make LED light directive SIM.Especially; Be positioned in below the battery 4 for SIM/SD; Can the pipe of the LED on the antenna patch 3 is curved around below battery 4; Partially can to pass battery 4 at an easy rate curved around the another side to battery 4 with the narrow slit of 14 of portable terminals for zero diopter coupling line, and like this, the optocoupler line is unlikely extruding battery 4 and influences the loading or unloading operation to battery 4; Perhaps, shown in Figure 12-14, said LED photoelectric tube 30 adopts soft circle line 28 to mix line with flat wire 29 with the optocoupler line of payment, safety and the communication chip (1) of antenna patch 3, and this mixes the line center section is flat partially line 29; Mix payment, safety and communication chip (1) that connects antenna patch of line; The other end connects LED optoelectronic transceiver pipe 30; The jewelry, expensive clothing and other valuables of blend circle line 28 with the curve circle around storage line mode along the aerial coil 5 next door cablings of antenna patch 3; And end at antenna patch 3 edges at antenna patch 3 payments, safety and communication chip (1) opposite slightly to the right or left; LED 30 light directive SIM/SD cards, it just have sufficiently long soft circle line 28 to involve when being used for large scale battery 4, so that can enclose the vacancy of reserving around antenna patch 3 these limits 3 for unnecessary soft line 28 from this edge of antenna patch 3; If SIM/SD is positioned in below the battery 4; Can the pipe of the LED on the antenna patch 3 30 is curved around below battery 4; Partially can to pass battery 4 at an easy rate curved around the another side that arrives battery 4 with the narrow slit of 14 of portable terminals for zero diopter coupling line 29; Like this, optocoupler line 29 is unlikely extruding battery 4 and influences the loading or unloading operation to battery 4.

Embodiment 4

Shown in figure 42; The near field payment system is moved in the also anti-shielding based on 13.56Mhz general antenna paster 3 of the utility model; Little SIM to 1.5 * 1.2cm; The Kato 32 of little SIM is designed to be integrated with the Kato 32 of the SIM of communication chip 13, and integrated communication chip 13 is connected on 8 electrode contact blades 8 of the center of said Kato 32 and SIM haptic element and the contact of portable terminal spring leaf and the Kato 32, employing portable terminal power lead carries out intercommunication; Perhaps carry out intercommunication, perhaps adopt the link of LED optocoupler to obtain operator or ID through the wireless link mode.

Embodiment 5

, multi-bank card fusion related that native system can be realized with telecom dealer.For more effectively bundling, attract the user, mobile payment service needs related with each operator, and when promptly swiping the card at every turn or concluding the business, mobile-payment system need judge all whether this SIM is this provider customer.The chip 2 of portable terminal 14 each start SIMs all will read the sign that can discern operator or user from SIM, transacts on the net to prevent the rete mirabile user.The chip 2 of SIM is monitored SIM I/O line through the C7 pin of SIM; When on SIM and network (mobile switch MSC) completion start flow process and I/O line (C7 pin), not having data stream and being high level " 1 "; The chip 2 of SIM/SD card is used the clock (or self clock) of SIM C3 pin, IMSI (international mobile subscriber identity) and storage in simulating mobile terminal 14 and SIM communication instruction and the form reading SIM card.When portable terminal 14 is swiped the card at every turn or is concluded the business; The payment of antenna patch 3, safety and communication chip 1 are asked for user identification code IMSI (or ICCID etc.) through power lead or radio frequency/base band or LED optocoupler to the chip 2 of SIM; The payment of antenna patch 3, safety and communication chip 1 payment transaction flow process all will be studied and judged this sign; Then allow transaction if belong to this Carrier Identification Code, otherwise Fail Transaction; On the other hand, these IMSI data also are used for " portable terminal 14 wallets " professional account No. binds, shown in figure 35.

Simultaneously, native system can also be realized the function that merges with the multi-bank card.For multi-channelly carrying out mobile payment service, this programme realizes that on portable terminal 14 mobile payment service is related with the merchant of bank.In order to carry out mobile payment service independently; Utilize Micro-sd (the secure digital card) flash card of portable terminal 14 to carry payment system; It is mutual that the still payment through foregoing antenna patch 3, safety and communication chip 1 and SD stick into capable internal data, and accomplish the transaction flow of swiping the card via the antenna pickup coil that is affixed on portable terminal 14 limit walls 5 and the card reader (or POS) of outside.FIFO, buffer, codec, serial/parallel converter and communication transceiver etc. are received/sent out to the chip 2, storer, the data that are integrated with the required SD card of payment system in the Micro-sd flash card, and the payment on the antenna patch 3, safety and communication chip 1 are still used foregoing power lead or radio frequency (or base band) or LED optocoupler mode with chip 2 intercommunications of SD card.Under this mode, the payment of antenna patch 3, safety and communication chip 1 obtain user's account No. but not user's IMSI data from SD Ka Chu.

Because integrated multi-bank card system data in the SD card; Therefore need integrated central control module in the SD card; And manage, respectively pay subsystem in the dispatch card through bus (bus) mode, MPU, storer, communication module and external interface etc. are arranged in it, the communication instruction of portable terminal 14 and SIM is monitored and resolved to central control module at any time; Because each payment subsystem is by the central control module unified management; Therefore, if this control module is judged communication data genus payment type instruction, then via controller is dispatched, is managed its subsystem of having jurisdiction over after resolving.This controller and portable terminal 14 systems be connected in parallel, listening mode work, therefore can not influence the performance of the communication of portable terminal 14 systems.The user presets main with bank and card number through portable terminal 14STK menu, other non-masters are forbidden communication with payment chip 13 (or bank) by central control module.When portable terminal 14 was swiped the card, the payment on the antenna patch 3, safety and communication chip 1 were communicated by letter with the chip 2 of SIM because non-master is under an embargo with system, therefore only have main with chip can with payment, safety and communication chip 1 interaction data on the antenna patch 3.The user still changes being provided with if will use other banks and card number instead through portable terminal 14STK menu, use bank card instead as present user, and is shown in figure 36.

Simultaneously, native system can also be realized the function that merges with multi-operator.In order to share scientific and technological achievement, harmonious development win-win, this programme can all incorporate portable terminal 14 with operator's payment systems such as China Mobile, China Telecom, CHINAUNICOM, both can be used for the GSM system, also can be used for the CDMA standard.Because SIM hair fastener power is grasped in each telecom operators' hand, therefore need to realize merging by be described below " multisystem paster ".

The pay this extra system merges simultaneously, and native system can also realize that the pay this extra system merges the function of multi-operator fusion simultaneously.This programme sticks on through " the multisystem paster " that merges carries out payment transaction on the SIM, and does not take C4, the C8 pin (high speed RFU port) of SIM.Consider time and the cost of investment of changing SIM; Change the about 100-120 of the expense unit of a 2.4G frequency SIM at present; The about 30-50 of the expense of the SIMPASS of 13.56M frequency unit; If development 500,000,000 portable terminals 14 payment users, then change card cost hundred million yuan of 150-500 at least, so can use intelligent paste at mobile payment service establishment period or transitional period.

1. multisystem paster

This paster and SIM size is consistent and be close to its lower surface and the intelligent paste of 6 electrodes is arranged; Be integrated with radio frequency (or base band) or power lead or optocoupler LED communication system or LED transmitting-receiving amplifier and storer, a data receipts/FIFO, buffer, serial/parallel converter and I/O controller etc. on it; Paster obtains power supply through C1, the C5 pin of SIM on the one hand; Communicate by letter with SIM via its C7, C3 pin on the other hand; This paster is communicated by letter with SIM and is met ISO/IEC 7816 standards; And can realize that thus mobile payment service is related with multi-operator through the command calls portable terminals such as APDU 14 as the resources such as screen is apparent, internal memory of GSM standard, its communication and connected mode are together as stated.

2. chip position arrangement

Because the sim card slot space is very limited, this programme utilizes the first half and the space between groups of springs of the card body of SIM to hold payment system chip 1, shown in Figure 37-38.

For energy-conservation, a lot of portable terminals 14 can be closed some no parts, function after accomplishing the start flow process, like SIM/SD card clock etc., chip 2 simulating mobile terminals 14 instructions of SIM/SD card need use SIM/SD card clock when reading the SIM/SD card information; For making payment transaction be applicable to all kinds of portable terminals 14; Integrated and the duplicate R/W read-write of SIM/SD card clock in the chip 2 of SIM/SD card or intelligent thin slice; So as to be in energy saver mode at portable terminal 14, when stopping paying out clock; This chip can utilize the clock of self to read data such as SIM/SD card IMSI or ICCID to the SIM/SD card through its pin, or the APDU command calls portable terminal 14 through the GSM standard as internal memory, keyboard, screen such as show at resource record, displaying transaction data.

I/O receiver portable terminal 14 storeies when standby of considering part portable terminal 14 still are in accepting state; For the chip of avoiding the SIM/SD card 2 during with SIM/SD card self chip interaction data to portable terminal 14 system interference; Simultaneously because " multisystem paster " gone up integrated multi-operator system; Therefore integrated central control module and I/O data are led and are changed switch in chip 2, with bus mode each subsystem are carried out unified management.In addition; Paster is divided into two with the electrode that SIM/SD C7 pin is corresponding, and the one electrode sheet contacts (C7-1) with C7, and another electrode slice contacts (C7-2) with the card spring leaf; This two cube electrodes sheet is connected with this control module switches set, simultaneously its two electrode slice is separated with dielectric film 35.During portable terminal 14 starts, its length is closed switching tube K1 and is communicated with the C7-1 electrode, and portable terminal 14 is communicated with also interaction data, completion with SIM/SD cartoon road and communicates by letter; Accomplish start flow processs and central control module normally closed switch pipe K2 when portable terminal 14 and monitor the I/O line when being high level " 1 "; Just take family IMSI data to the SIM/SD Carcel; Switching tube K1 breaks off the C7-1 electrode then connects pin C5 under central controller controls simultaneously; The I/O that makes portable terminal 14 is low level " 0 ", also promptly cuts off the passage of portable terminal 14 and SIM/SD card, has so just avoided the influence of native system to portable terminal 14 systems.When this central controller has obtained SIM/SD card IMSI data or after communication was accomplished with it, normally closed switch pipe K1 broke off pin C5 and connects the C7-1 electrode again, central control module is surrendered I/O serial ports control, keeps portable terminal 14 and SIM/SD cartoon road unimpeded.When native system need call portable terminal 14 resources (as showing transaction record etc.), normally closed switch pipe K2 connects the C7-2 electrode, and normally closed switch pipe K1 swings to vacant shelves simultaneously.Native system is accomplished the back switching tube K1 that communicates by letter with portable terminal 14 systems, K2 recovers ortho states again.

The communication instruction of portable terminal 14 and SIM is monitored and resolved to central control module at any time; Because each payment subsystem is by the central control module unified management; Therefore; If this control module is judged communication data genus payment type instruction, then via controller is dispatched, is managed its subsystem of having jurisdiction over after resolving.This controller and portable terminal 14 systems be connected in parallel, listening mode work, therefore can not influence the performance of the communication of portable terminal 14 systems, shown in figure 39.

Embodiment 6

Said double frequency scheme is utilized RFID-(U) SIM of 2.4Ghz frequency; The mobile-payment system of 13.56M and 2.4Ghz two cover frequencies is dissolved in the portable terminal; The not only organic combination of two systems but also independently of one another; Under the 2.4G environment, the gate inhibition who accomplishes enclosed environment by RFID-(U) SIM checks card or the business of swiping the card such as ticket; And under the 13.56M environment, use public's payment transaction like POS machine class.On the RFID-of 2.4G (U) SIM, be integrated with foregoing and chip 2 or multisystem paster the 13.56M system, in portable terminal, be mounted with foregoing 13.56M antenna system simultaneously.System's use independently of one another of two cover frequencies at ordinary times, but when card-reading apparatus of card reader coexistence of two cover frequencies, owing to the 2.4G system should use at enclosed environment, so the user can be in portable terminal can to preset the 2.4G system through the STK menu preferential.When the 2.4G system swiped the card inefficacy, system just started the 13.56M system.Because in the portable terminal or the payment system of two cover frequencies arranged outward; Therefore this programme also is integrated with central control module in RFID-(U) SIM; Control thus, the orderly function of agreement two cover systems, the 13.56M chip 2 that is integrated in RFID-(U) SIM all is connected this central control module with the 2.4G chip and connects and receive its control, scheduling.Be integrated with MPU, storer, communication module, scheduling controller and external interface etc. on this control module, and transmit the payment subsystem and call portable terminal and (U) SIM resource instruction.When a chip system only being arranged when controller proposes communication request, controller does not start scheduling, arbitrates control flow and directly permission communication; And as two chip systems (being two port) during simultaneously to the controller communication request; This controller only allows the 2.4G system to start; Simultaneously the request of 13.56M system is hung up; To controller loopback communication message, if the 2.4G system swipes the card successfully, then central control module stopped whole flow process after flow process was accomplished 2.4G system swipes the card; If its failure of swiping the card, then control module starts the 13.56M system, shown in Figure 43-44.

Embodiment 7

When the bonnet 31 of portable terminal 14 is a non-metallic material, perhaps the bonnet 31 of portable terminal 14 is for metal material but edge when being nonmetal, the general antenna paster 3 of the utility model is affixed on battery 4 and the limit wall get final product.

When the shell of portable terminal 14 is that all-metal and edge are when being inlaid with gold; Then at inside and outside each attaching antenna paster 3 of portable terminal 14 bonnets 31; But the antenna patch 3 in this bonnet outside does not have integrated communicaton and signal processing chip; The antenna pickup coil 5 that is coated with high magnetic conduction absorbing material is only arranged; Line and bonnet 31 inboard antenna patches 3 transmission signals that the signal of the antenna patch 3 coupling card reader in bonnet 31 outsides wears long and covers 31 side slits later; It is different with the position of battery to look the SIM/SD card, and chip 2 intercommunications with the SIM/SD card on the antenna patch 3 of bonnet 31 inboards are divided into again: 1. as if SIM/SD card and battery 4 isoplanars, then payment, safety and the communication chip 1 on the antenna patch 3 of inboard antenna communicated by letter to obtain operator or ID through wireless or the direct SIM/SD the core of the card of LED optocoupler mode sheet 2; 2. if SIM/SD be stuck in battery 4 with below; The inboard antenna patch 3 of such situation does not have integrated communicaton and signal processing chip; And the antenna pickup coil (containing resonant capacitance) 5 that is coated with high magnetic conduction absorbing material is only arranged; Inboard antenna 3 is only as the continuity of outside antenna; Then the inboard antenna patches 3 of bonnet 31 carry out inductive coupling, transmit signal with the general antenna paster 3 that is affixed on the battery 4, and by the LED optocoupler of general antenna paster 3 or the power lead mode is communicated by letter with the SIM/SD the core of the card sheet 2 under the battery 4 or directly through wireless mode to obtain operator or ID, shown in Figure 40-41.

Claims

1. based on the anti-near field payment system that shields the general antenna paster; It is characterized in that: comprise being affixed on antenna patch general on the battery (3); Substrate (15) two sides of this antenna patch (3) all scribbles the absorbing material of high permeability; Wherein the one side of antenna patch (3) is pasted on battery (4) surface and battery (4) Bian Bishang of portable terminal (14); The another side of antenna patch (3) is printed with some circles and is used to the antenna pickup coil (5) that receives the card reader signal and reply card reader, is integrated with payment, safety and the communication chip (1) that are used for payment transaction on the antenna patch (3); Said antenna pickup coil (5) is as the antenna of this payment system.

2. based on the anti-near field payment system that shields the general antenna paster; It is characterized in that: comprise being affixed on antenna patch general on the battery (3); The substrate two sides of this antenna patch (3) all scribbles the absorbing material of high permeability; Wherein the one side of antenna patch (3) is pasted on portable terminal (14) battery (4) surface and battery (4) Bian Bishang; The another side of antenna patch (3) is printed with some circles and is used to the antenna pickup coil (5) that receives the card reader signal and reply card reader, is integrated with payment, safety and the communication chip (1) that are used for payment transaction on the antenna patch (3); Said antenna pickup coil (5) is as the antenna of this payment system; Wherein: be integrated with 3-5 electrode rake (6) on the end face of A, said antenna patch (3); Electrode rake (6) is fixed on the antenna patch (3); Each electrode rake (6) all has two corresponding with it cube electrode contacts (8); One end of each electrode rake (6) all is connected to payment, safety and communication chip (1), and the other end of each electrode rake (6) is connected with this two cube electrodes contact (8) that the both positive and negative polarity contact that is used for battery electrode groove (9) contacts respectively with two soft circle lines (7); Said payment, safety and communication chip (1) are connected with the spring electrode thimble (11) of portable terminal (14) through said two cube electrode contacts (8); Perhaps; B, the last integrated two soft power leads of justifying lines (7) as antenna patch (3) of said antenna patch (3); One end of said soft circle line (7) all connects payment, safety and the communication chip (1) of antenna patch (3); The other end connects two cube electrode contacts (8) respectively; Said two soft circle lines (7) begin along antenna pickup coil (5) cabling from the position of payment, safety and communication chip (1); And with storage line mode curved to and fro around many circles to increase soft circle line (7) length, the terminal cloth of this jewelry, expensive clothing and other valuables circle line is placed on the edge of antenna patch (3), said two cube electrode contacts (8) contact with the both positive and negative polarity contact of battery electrode groove (9).

3. system according to claim 2; It is characterized in that: said antenna patch (3) is integrated with the inductive coupling module and condition has source module duplex feeding module; Said inductive coupling module comprises the resonance coil that is formed by antenna pickup coil (5) and electric capacity parallel connection; Said resonance coil is connected with commutation diode, isolating diode (VD), filtering unit (RC) and voltage stabilizer (10) in turn, connects payment, safety and communication chip (1) at last again; Said condition has source module to comprise first switching tube (G1), second switch pipe (G2), the first loop actuating switch pipe (K1), the second loop actuating switch pipe (K2), filtering unit (RC), voltage stabilizer (10) and payment, safety and communication chip (1); One end of switching tube (G1), switching tube (G2) all is connected with battery (4) is anodal, and the other end of switching tube (G1), switching tube (G2) is connected with payment, safety and communication chip (1) through isolating diode (VD).

4. based on claim 1 or 3 described systems; It is characterized in that: said payment, safety and communication chip (1) are integrated with two amplifiers based on 13.56Mhz, are respectively the receiving signal amplifiers and the positive feedback resonance amplifier that is used to amplify the answer signal that returns to card reader that is used to amplify the incoming wave signal of antenna coupling coil (5) coupling card reader;

One end of said receiving signal amplifier (A1) is connected in payment, safety and communication chip (1); The other end of payment, safety and communication chip (1) connects antenna pickup coil (5) and commutation diode, and receiving signal amplifier (A1) is connected with the second loop actuating switch pipe (K2) that the control conducting ends;

One end of said positive feedback resonance amplifier (A2) is connected in payment, safety and communication chip (1); And be connected in ground; The other end of payment, safety and communication chip (1) connects antenna pickup coil (5) and commutation diode, and positive feedback resonance amplifier (A2) is connected with the first loop actuating switch pipe (K1) that the control conducting ends;

Said antenna pickup coil (5) is a resonance L/C coil, and the telefault of resonance L/C coil is in series with electric capacity (C1), and electric capacity (C1) is for preventing the stray capacitance of positive feedback resonance amplifier (A2).

5. system according to claim 4; It is characterized in that: according to antenna pickup coil (5) antenna patch (3) go up circle around mode different; Include: the mode that antenna pickup coil (5) crosses battery (4) surface and battery (4) limit wall fully is printed on the antenna patch (3), perhaps antenna pickup coil (5) cross fully battery (4) surface and around battery (4) limit wall circle around mode be printed on the antenna patch (3); The substrate (15) of said antenna patch (3) is made up of the thin film of tearable gridding of cutting.

6. system according to claim 5; It is characterized in that: said system is provided with the LED photoelectric tube (30) that is used for optocoupler communication on the chip (2) of antenna patch (3) and SIM/SD card, LED photoelectric tube (30) is following at the chip (2) and the distributing position on the antenna patch (3) of SIM/SD card:

A, at the four direction up and down of SIM/SD card one side integrated quadruplet LED photoelectric tube (30) respectively, the integrated height of photoelectric tube LED is no more than SIM/SD card plane;

B, said antenna patch (3) are gone up an integrated cover LED photoelectric tube (30); The LED photoelectric tube (30) of antenna patch adopts round wire (28) to mix line with optocoupler or radio frequency flat wire (29) with the optocoupler line of payment, safety and the communication chip (1) of antenna patch (3); Round wire (28) be bent the back with antenna patch (3) on payment, safety and communication chip (1) be connected; Round wire (28) drive LED photoelectric tube (30) with antenna patch (3) parallel plane on flat 180 ° of upsets on the vertical plane of 180 ° or antenna patch (3), or curved around to battery (4) another side; Perhaps, said LED photoelectric tube (30) adopts soft circle line (28) to mix line with flat wire (29) with the optocoupler line of payment, safety and the communication chip (1) of antenna patch (3), and the center section of this mixing line is flat wire (29); One end of said mixing line connects payment, safety and the communication chip (1) of antenna patch (3); The other end connects LED photoelectric tube (30), the jewelry, expensive clothing and other valuables circle lines (28) of said mixing line with curved around storage line mode on antenna pickup coil (5) next door cabling.

7. system according to claim 6; It is characterized in that: the intercommunication of payment, safety and the communication chip (1) of said antenna patch (3) and the chip (2) of SIM/SD card adopts the structure of portable terminal power line communication to be: with the middle dielectric film that is provided with of battery of mobile terminal electrodes in contact contact; Dielectric film with this electrode contact blade from its intermediate isolating into two; Wherein half connects payment, safety and the communication chip of antenna patch and the spring electrode thimble of portable terminal, and second half then is connected with the battery electrode of portable terminal.

8. system according to claim 6; It is characterized in that: the bonnet (31) when portable terminal (14) is a non-metallic material; When perhaps the bonnet (31) of portable terminal (14) is nonmetal for metal material and edge, said general antenna paster (3) is affixed on battery (4) and limit wall (4) goes up and get final product; When the shell of portable terminal (14) is metal and edge during also for metal, then at inside and outside each attaching antenna paster (3) of portable terminal (14) bonnet (31).

9. according to any described system of claim 5-8; It is characterized in that: for the SIM of 1.5cm * 1.2cm; On the Kato (32) of SIM, be integrated with communication chip (13), and this communication chip (13) is connected with eight electrode contact blades (8) of the center that is positioned at Kato (32) with SIM haptic element and the contact of portable terminal spring leaf.