CN203299924U - Intelligent terminal capable of being embedded with finance IC card - Google Patents
Intelligent terminal capable of being embedded with finance IC card Download PDFInfo
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- CN203299924U CN203299924U CN2013200661147U CN201320066114U CN203299924U CN 203299924 U CN203299924 U CN 203299924U CN 2013200661147 U CN2013200661147 U CN 2013200661147U CN 201320066114 U CN201320066114 U CN 201320066114U CN 203299924 U CN203299924 U CN 203299924U
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Abstract
The utility model relates to an intelligent terminal capable of being embedded with a finance IC card. The intelligent terminal comprises a finance IC card slot and a non-contact antenna. The finance IC card can be inserted into the finance IC card slot, and the non-contact antenna is coupled with the finance IC card. The finance IC card is of a PLUG-IN card type. According to the intelligent terminal, the finance IC card can be embedded into the intelligent terminal better, functions of the existing finance IC card can be achieved, and portability and usability of the finance IC card can be improved.
Description
Technical field
The utility model relates to the intelligent terminal that can carry out mobile payment, relates to particularly the intelligent terminal that can embed financial IC card.
Background technology
In the prior art, rise along with mobile payment market, various mobile payment products also all in succession occur and promote the use of on market, the scheme that these products adopt comprises double-interface smart card technology, independent RFID technology, NFC technology and the full terminal technology of eNFC etc., and these products all will be attached on certain intelligent terminal such as mobile phone and move relevant payment application.The advantage that the SIM card of controlling due to operator and mobile phone have natural combination, the mobile payment application can be distributed in SIM card very naturally, thereby can promote well the mobile payment operation mode of taking as the leading factor with operator, the product of this class has SWP-SIM etc. at present.
Yet, in prior art, do not propose to be independent of SIM card and the intelligent terminal that carries out mobile payment.
The utility model content
In view of the above problems, the utility model aims to provide a kind of intelligent terminal that can be independent of SIM card ground embedding financial IC card.
Further, the utility model also aims to provide the intelligent terminal of the embedded financial IC card of a kind of property easy to use that can improve financial IC card and ease for use.
The intelligent terminal that embeds financial IC card of the present utility model, is characterized in that, described intelligent terminal comprises:
Be arranged in described intelligent terminal and be used to inserting the financial IC card draw-in groove of financial IC card; And
The non-antenna that connects that couples with described financial IC card,
Described financial IC card is the financial IC card of PLUG-IN card pattern.
Preferably, described intelligent terminal also possesses and is arranged in described intelligent terminal and be used to inserting the SIM card draw-in groove of SIM card, the size of described financial IC card draw-in groove and described SIM card draw-in groove measure-alike, the size of described financial IC card and described SIM card measure-alike.
Preferably, described financial IC card draw-in groove and described SIM card draw-in groove independent setting respectively.
Preferably, described financial IC card is for supporting the safety chip of non-connection function.
Preferably, the described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and the financial IC card draw-in groove has the second antenna contacts,
Describedly non-ly connect that antenna is set in the situation that the bonnet of described intelligent terminal covers described the first antenna contacts with described the second antenna contacts, is electrically connected to.
Preferably, the described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, described financial IC card draw-in groove has the second antenna contacts, by described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described the first antenna contacts with described the second antenna contacts, be electrically connected to.
Preferably, described financial IC card comprises NFC chip, safety chip and the antennal interface of supporting non-connection function.
Preferably, described intelligent terminal possesses the operating system of applying, operate control to intelligent terminal, and described safety chip has the first communication interface that is connected with described operating system at least; And the second communication interface that is connected with described NFC chip.
Preferably, described second communication interface is the SWP interface.
Preferably, described the first communication interface is any one in 7816 interfaces, SPI interface, MMC interface, IC-USB interface.
Preferably, the described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
Describedly non-ly connect that antenna is set in the situation that the bonnet of described intelligent terminal covers described the first antenna contacts with described the second antenna contacts, is electrically connected to.
Preferably, the described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
By described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described the first antenna contacts with described the second antenna contacts, be electrically connected to.
Preferably, described intelligent terminal possesses and applies/operate the control operation system to intelligent terminal; And the NFC chip that is connected and can realizes non-connection function with described operating system, described financial IC card is the safety chip that possesses the SWP interface.
Preferably, described safety chip is connected with the NFC chip of described intelligent terminal by described SWP interface, and described operating system conducts interviews to described safety chip by described NFC chip.
Preferably, the described non-antenna arrangement that connects is in the bonnet of described intelligent terminal, the described non-antenna that connects has the first antenna contacts, described financial IC card draw-in groove has the second antenna contacts, describedly non-ly connects that antenna is set in the situation that the bonnet of described intelligent terminal covers described the first antenna contacts with described the second antenna contacts, is electrically connected to.
Preferably, described financial IC card directly is connected with described application/operation control operation system.
According to the intelligent terminal of realizing embedded financial IC card of the present utility model, can effectively improve portability and the ease for use of financial IC card.And, by such financial IC card is set in intelligent terminal, can tackle well the strong control of present operator to the SIM card industrial chain, more domestic larger bank, the third-party institution etc. draw oneself up on intelligent terminal the mobile payment application of being more convenient for, also be more conducive to promote the development of mobile payment industry.Secondly, than present mobile payment SD card, because this financial IC card is to adopt the design of class PLUG-IN card, it can continue to continue to use existing PLUG-IN blocking fabrication technique in realization, can better reduce the cost of mobile payment, improve bank, the third-party institution and even user's enthusiasm and property of participation.
The accompanying drawing explanation
Fig. 1 means the structured flowchart that embeds the intelligent terminal of financial IC card of the present utility model.
Fig. 2 means the design figure of the surface contact of the financial IC card in the utility model.
Fig. 3 means the structured flowchart of intelligent terminal of the embedded financial IC card of the utility model the first embodiment.
Fig. 4 means the structured flowchart of intelligent terminal of the embedded financial IC card of the utility model the second embodiment.
Fig. 5 means the structured flowchart of intelligent terminal of the embedded financial IC card of the utility model the 3rd embodiment.
Fig. 6 means the structured flowchart of intelligent terminal of embedded financial IC card of the conversion example of the utility model the 3rd embodiment.
Embodiment
What below introduce is some in a plurality of embodiment of the present utility model, aims to provide basic understanding of the present utility model.Be not intended to confirm key of the present utility model or conclusive key element or limit claimed scope.
At first, for the professional term that will mention in the utility model, explain.
(1)Financial IC card: financial IC card is called again the chip bank card, is to using the bank card of chip as medium.It is by commercial bank (credit office) or payment mechanism distribution, adopt integrated circuit technique, follow national financial industry standard, have consumer credit, the transfer and settlement of accounts, all or part of financial function of cash-access, the financial instrument that can have other commerce services and social management function.
(2)PLUG-IN card: a kind of card according to the manufacturing of PLUG-IN SIM card standard.Its long 2.5 centimetres, wide 1.5 centimetres.The card base of PLUG-IN card is comprised of PVC or ABS plastic material, above the card base, is the PLUG-IN card surface of contact that studs with sheet metal, and 6 or 8 pins are arranged on it.Below PLUG-IN card surface of contact, be chip, by the goldleaf silk, with pin, be connected.
(3)SWP: i.e. single-wire-protocol (Single Wire Protocol), a kind of interface protocol for transmission information between contactless communication module (CLF) and usim card of the existing mature technology requirement of present ETSI and method of testing, definite SWP protocol definition (comprising Physical layer, data link layer) such as the physical connection form of the safety chip transmission information in CLF module and usim card and bottom layer signal transmission requirements.
(4)NFC:NFC is Near Field Communication abbreviation, i.e. near field communication (NFC).NFC by PHILIPS Co. and Sony joint development is a kind of contactless identification and interconnection technique, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.NFC provides a kind of solution of simple, touch, can allow consumer's simple, intuitive ground exchange message, access content and serve.
(5)Safety chip: safety chip is exactly TPM (TruSTed Platform Module), the trusted console module, be one and can independently carry out the device of key generation, encryption and decryption, inside has independently processor and storage unit, but storage key and characteristic, encrypt and Security Authentication Service for computer provides.With safety chip, be encrypted, key is stored in hardware, stolen data can't be deciphered, thereby protection business privacy and data security. symmetric cryptographic algorithm, asymmetric cryptographic algorithm and the hash algorithm of the appointment of the national Password Management of safety chip support office, support simultaneously international other cryptographic algorithm its features; Such as symmetric cryptographic algorithm: SM1; Asymmetric cryptographic algorithm: SM2; Hash algorithm and hash algorithm: SM3.Safety chip is integrated at a high speed secure cryptographic algorithm and communication interface, adopt exclusive data stream encryption and decryption treatment mechanism, realized the synchronous encryption and decryption functions of high-speed data-flow.
Fig. 1 means the structured flowchart that embeds the intelligent terminal of financial IC card of the present utility model.
As shown in Figure 1, the intelligent terminal that embeds financial IC card of the present utility model comprises: be arranged in intelligent terminal and be used to being inserted in the SIM card draw-in groove 400 of SIM card; Be arranged in above-mentioned intelligent terminal and be used to inserting the financial IC card draw-in groove 100 of financial IC card 200; The non-antenna 300 that connects that couples with above-mentioned financial IC card 200.
In the utility model, only as an example, intelligent terminal can be the mobile terminal of intelligence, for example mobile phone.
In the utility model, financial IC card 200 is customized to the plug-in card with the PLUG-IN card pattern of SIM card same size.Described financial IC card 200 cards are for supporting the safety chip of non-connection function.
Financial IC card draw-in groove 100 is the draw-in grooves with the PLUG-IN card pattern of above-mentioned financial IC card 200 pattern matching.The size of this financial IC card draw-in groove 100 and SIM card draw-in groove 400 measure-alike, and this financial IC card draw-in groove 100 and SIM card draw-in groove 400 independent setting the respectively.
Financial IC card 200 is designed to SIM card pattern and at intelligent terminal (for example, intelligent terminal) the financial IC card draw-in groove 100 of the class SIM card draw-in groove of upper increase and this pattern matching, the reason of doing like this is, the production technology of SIM card and sim card slot is very ripe, with low cost, and the user cognition degree is higher.And for the third party who makes bank etc. has complete control to this jig, this financial IC card draw-in groove 100 is independent of the original sim card slot 400 that uses on intelligent terminal and arranges.
In order better to support the non-paying ability that connects of intelligent terminal, antenna 300 is wrapped in the bonnet of intelligent terminal in the mode of coil, like this, cover after the antenna contacts 301,302 of this antenna 300 namely can be connected with the antenna contacts 101,102 on the financial IC card groove 100 of SIM pattern.This antenna mode is arranged simply on intelligent terminal, be easy to use, and non-connection letter is stable.In use, only financial IC card 200 need be inserted in financial IC card draw-in groove 100, and cover the bonnet of intelligent terminal, just can directly use the payment application on financial IC card 200.
Certainly, the arrangement of antenna 300 is not limited to above-mentioned external mode, also can adopt built-in mode, for example is integrated in financial IC card 200.This built-in integrated mode has reduced the vulnerability of antenna, also can improve portability and the ease for use (particular content refers to the first follow-up embodiment, the second embodiment) of integral product.
Fig. 2 means the design figure of the surface contact of the financial IC card in the utility model.
As shown in Figure 2, as an example, suppose that this financial IC card 200 possesses these 8 interface contacts of C1～C8.In these 8 interface contact figure of C1～C8 in Fig. 2 shown in being allocated as follows of interface contact:
| C1 | Supply voltage (VCC) | C5 | Ground (GND) |
| C2 | Reset signal (RST) | C6 | （SWP） |
| C3 | Clock signal (CLK) | C7 | Input and output (I/O) |
| C4 | (antennal interface) | C8 | (antennal interface) |
For example, C4, C8 mouth can be used for connecting antenna (referring to the first following embodiment) when adopting non-connection news.The C6 mouth can be used for transmitting SWP(and refer to the 3rd following embodiment when financial IC card uses the NFC communication).
As mentioned above, the intelligent terminal that embeds financial IC card of the present utility model is independent of SIM card ground by financial IC card and is embedded in intelligent terminal, can effectively tackle the strong control of mobile operator to the SIM card industrial chain, and, by financial IC card being combined with intelligent terminal preferably and completing the realization on intelligent terminal, can greatly improve portability and the ease for use of financial IC card.
Below, for the embodiment that embeds the intelligent terminal of financial IC card of the present utility model, describe.
The first embodiment
Fig. 3 means the structured flowchart of intelligent terminal of the embedded financial IC card of the utility model the first embodiment.
As shown in Figure 3, the intelligent terminal of the embedded financial IC card of the first embodiment of the present utility model comprises: be arranged in above-mentioned intelligent terminal and be used to inserting the financial IC card draw-in groove of financial IC card 210; And the non-antenna (not shown this non-antenna that connects here) that connects that couples with above-mentioned financial IC card 210.In the first embodiment, intelligent terminal is the intelligent terminal that possesses application controls/operating system 510, smart mobile phone for example, but intelligent terminal of the present utility model is not limited only to smart mobile phone.
In the present embodiment, financial IC card 210 is customized to the plug-in card with the PLUG-IN card pattern of SIM card same size.Financial IC card 210 possesses the safety chip of supporting non-connection function, and this financial IC card 210 does not possess the NFC function.
In the present embodiment, the financial IC card draw-in groove is the draw-in groove with the PLUG-IN card pattern of above-mentioned financial IC card 210 pattern matching.The size of this financial IC card draw-in groove and SIM card draw-in groove measure-alike, this financial IC card draw-in groove and SIM card draw-in groove be independent the setting respectively.And this financial IC card draw-in groove has antenna contacts.
In the present embodiment, the not shown non-antenna that connects has antenna contacts, and this non-antenna arrangement that connects is in the bonnet of intelligent terminal, and preferably, this is non-connects antenna and be wrapped in the bonnet of intelligent terminal in the mode of coil.And above-mentionedly non-ly connect that antenna is set in the situation that the bonnet of above-mentioned intelligent terminal covers the above-mentioned non-antenna contacts that connects antenna with the antenna contacts of above-mentioned financial IC card draw-in groove, is electrically connected to.
This is non-connect antenna on the bonnet that is arranged in intelligent terminal, can be also not adopt so external mode but the non-antenna that connects is integrated in financial IC card 210.In this case, by non-, connect that antenna is integrated in financial IC card 210 so that in the situation that financial IC card 210 is inserted into the non-antenna contacts that connects antenna of financial IC card draw-in groove with the antenna contacts of financial IC card draw-in groove, is electrically connected to.
In the first embodiment, safety chip in financial IC card 210 is supported non-connection letter, and the application/operating system of financial IC card 210 and intelligent terminal is without directly being connected, and therefore the intelligent terminal of this first embodiment only can be supported on-site payment (or claim " near field payment ").
In the situation that carry out the near field payment, in the POS terminal with the external world, carry out near-field communication when mutual, data are passed to the safety chip in financial IC card 210 by the non-antenna that connects, by safety chip, process (but concrete processing procedure normative reference ISO 14443), the data after being processed by safety chip send to the POS terminal by the non-antenna that connects.Corresponding non-agreement such as ISO14443 TYPE A, the TYPE B etc. of connecing of this safety chip support, the application of mobile payment operates in this safety chip.
As mentioned above, intelligent terminal according to the embedded financial IC card of the utility model the first embodiment, need to carry out the change of software and hardware aspect hardly, only needs to increase an extra financial IC card draw-in groove is set, the change cost is little, easily promotion and implementation.And the financial IC card draw-in groove is connected without concrete hardware and software aspect with intelligent terminal, thereby the layout of financial IC card draw-in groove in intelligent terminal had to very large dirigibility.But, due to intelligent terminal without being connected of any interface, therefore be similar to a non-smart card that connects be provided, on-site payment function (not supporting the remote payment ability) can only be provided.
The second embodiment
Fig. 4 means the structured flowchart of intelligent terminal of the embedded financial IC card of the utility model the second embodiment.
As shown in Figure 4, the intelligent terminal of the embedded financial IC card of the second embodiment of the present utility model comprises: be arranged in above-mentioned intelligent terminal and be used to inserting the financial IC card draw-in groove of financial IC card 220; The non-antenna (not shown) that connects that couples with above-mentioned financial IC card 220; Intelligent terminal is applied, is operated to the application controls/operating system 520 of control.Above-mentioned financial IC card 220 comprises NFC chip 221, safety chip 222 and the antennal interface (not shown) of supporting non-connection function.
In the present embodiment, financial IC card 220 is customized to the plug-in card with the PLUG-IN card pattern of SIM card same size.The financial IC card draw-in groove is the draw-in groove with the PLUG-IN card pattern of above-mentioned financial IC card 220 pattern matching.The size of this financial IC card draw-in groove and SIM card draw-in groove measure-alike, and this financial IC card draw-in groove and SIM card draw-in groove independent setting the respectively.
In the present embodiment, the non-antenna that connects has antenna contacts, and this non-antenna arrangement that connects is in the bonnet of intelligent terminal, and preferably, this is non-connects antenna and be wrapped in the bonnet of intelligent terminal in the mode of coil.And above-mentionedly non-ly connect that antenna is set in the situation that the bonnet of above-mentioned intelligent terminal covers the above-mentioned non-above-mentioned antenna contacts that connects antenna with the antenna contacts of above-mentioned financial IC card draw-in groove, is electrically connected to.
Non-connect antenna on the bonnet that is arranged in intelligent terminal, can be also not adopt so external mode but the non-antenna that connects is integrated in financial IC card 220 (not shown).In this case, the non-antenna that connects is integrated in financial IC card 220 so that in the situation that the non-antenna contacts that connects antenna of financial IC card 220 insertion financial IC card draw-in groove is electrically connected to the antenna contacts of financial IC card draw-in groove.
In the second embodiment, safety chip 222 has the first communication interface 224 that is connected with application controls/operating system 520 at least; And the second communication interface 225 that is connected with NFC chip 221.
This first communication interface 224 can be any one in 7816 interfaces, SPI interface, MMC interface, IC-USB interface.This second communication interface 225 can be the SWP interface.
In the second embodiment, NFC chip 221 is be used to realizing non-connection function, and safety chip 222 is be used to moving the mobile payment application.Exterior terminal can be by the interior mobile payment application of the non-connection function access security chip 222 that NFC chip 221 provides, simultaneously, the application controls/operating system 520 of intelligent terminal also can be by the mobile payment program on the communication interface access security chip 222 that is connected with safety chip 222.
When carrying out the near field payment, at first extraneous POS terminal can carry out data interaction by NFC chip built-in in ISO 14443 agreements and financial IC card 220 221, NFC chip 221 is about to incidental data in this agreement and extracts afterwards, and by these data of SWP agreement Reseal, send in the safety chip 222 of financial IC card 220 inside that coexist again, finally, in safety chip 222, just can process and complete this time transaction data and return.
When carrying out remote payment, it can be client application or the browser (being referred to as afterwards application) on operating system that object is initiated in transaction.At first, can data be sent in the safety chip 222 of financial IC card 200 by for example ISO 7816 agreements (this moment, financial IC card 220 just was connected by 7816 interfaces with intelligent terminal) by application, and complete information processing and return by safety chip 222.NFC chip 221 does not participate in the process of data interaction at this moment.
As mentioned above, intelligent terminal according to the embedded financial IC card of the utility model the second embodiment, application controls/the operating system 520 that connects financial IC card 220 and intelligent terminal by the first communication interface 224, can with intelligent terminal on program carry out alternately, expanded the function of financial IC card 220, can support to realize the remote payment function by the client software on intelligent terminal.And, as this first interface 224, can adopt polytype communication interface (such as 7816 interfaces, SPI interface, MMC interface, IC-USB interface etc.), therefore, can improve the dirigibility of interface shape and interface protocol, and 7816 mouthfuls of being confined to no longer that financial IC card adopts, can adopt high-speed communication interface such as IC-USB, MMC or SPI interface etc., therefore can improve largely the reliability of communication speed, data throughout and the data of interface, for payment client terminal brings better user experience.Moreover, in financial IC card 220, be furnished with NFC chip 221, therefore, utilize this NFC chip 221 to realize various based on diversified application forms such as mode card, card reader pattern, P2P patterns.Moreover, the communication interface that financial IC card 220 adopts, intelligent terminal all supports on hardware, without extra interpolation (but need to revise the driver of the correspondence on intelligent terminal, to the operating system of intelligent terminal manufacturer, have certain customization to require).
The 3rd embodiment
Fig. 5 means the structured flowchart of intelligent terminal of the embedded financial IC card of the utility model the 3rd embodiment.
The intelligent terminal of the embedded financial IC card of the 3rd embodiment of the present utility model comprises: to intelligent terminal, apply/operate control operation system 530; With application/operation control operation system 530, be connected and can realize the NFC chip 600 of non-connection function; Be arranged in intelligent terminal and be used to inserting the financial IC card draw-in groove (not shown) of financial IC card 230; And the non-antenna (not shown) that connects that couples with above-mentioned financial IC card 230.In the present embodiment, NFC chip 600 is modules that intelligent terminal itself possesses, and that is to say, this intelligent terminal itself is the intelligent terminal with NFC function.
Wherein, above-mentioned financial IC card 230 is the safety chips that possess the SWP interface.This safety chip is connected with the NFC chip 600 of intelligent terminal by the SWP interface, and like this, application/operation control operation system 530 can conduct interviews by 600 pairs of these safety chips of NFC chip.
In the present embodiment, financial IC card 230 is customized to the plug-in card with the PLUG-IN card pattern of SIM same size.The financial IC card draw-in groove is the draw-in groove with the PLUG-IN card pattern of above-mentioned financial IC card 230 pattern matching, the size of this financial IC card draw-in groove and SIM card draw-in groove measure-alike, and this financial IC card draw-in groove and SIM card draw-in groove independent setting the respectively.
In the present embodiment, the non-antenna that connects has antenna contacts, and this non-antenna arrangement that connects is in the bonnet of intelligent terminal, and preferably, this is non-connects antenna and be wrapped in the bonnet of intelligent terminal in the mode of coil.And above-mentionedly non-ly connect that antenna is set in the situation that the bonnet of above-mentioned intelligent terminal covers the above-mentioned non-above-mentioned antenna contacts that connects antenna with the antenna contacts of above-mentioned financial IC card draw-in groove, is electrically connected to.
In the present embodiment, NFC chip 600 is chips that intelligent terminal itself possesses, and NFC chip 600 is undertaken alternately by SWP agreement and safety chip, and the intelligent terminal of the embedded financial IC card of present embodiment can be supported near field Zhi Fuyu remote payment.In the situation that near field Zhi Fuyu remote payment, all need to be via the NFC chip 600 on intelligent terminal, and by NFC chip 600, carried out Reseal and the forwarding of data.Wherein, during remote payment, the application in application/operation control operation system 530 can be carried out communication by ISO 7816 agreements and NFC chip 600, and near field can be that extraneous POS terminal is carried out communication by ISO 14443 agreements and NFC chip 600 while paying.
As the variation of this 3rd embodiment, can also be set to the application of financial IC card 230 and intelligent terminal/operation control operation system 530 directly is connected.Fig. 6 has meaned the structured flowchart of intelligent terminal of the embedded financial IC card of this variation.Under this connected mode, communication mode when pay near field is constant, and the communication mode while carrying out remote payment, change in application/operation control operation system 530 application by 7816 mouthfuls of ISO directly and safety chip carry out alternately, and do not need by NFC chip 600, to carry out transfer again.
In this 3rd embodiment, in intelligent terminal, is furnished with NFC chip 600, thereby intelligent terminal can expand the function of financial IC card by the application in these NFC chip 600 access security chips, can support to realize the remote payment function by the client software on intelligent terminal.Because in intelligent terminal, possessed NFC chip 600, so the intelligent terminal of the embedded financial IC card of present embodiment can be realized based on diversified application forms such as various mode cards, card reader pattern, P2P patterns.
On the other hand, because intelligent terminal is all supported on hardware, without extra interpolation, but need on the payment client terminal that uses at present, carry out certain change.Because communication interface no longer is based on SD Cavan part system form or 7816 interface shapes, need to change into and support the NFC interface shape, therefore, can bring certain software cost.What but this change was used is the primary NFC interface that operating system provides, more standardization comparatively speaking.
Above, intelligent terminal for the embedded financial IC card of the first～three embodiment of the present utility model is illustrated, below for these three kinds of embodiments the hardware change of intelligent terminal, software development, cost and functional aspect the relative merits that exist separately of philosophy simply compare again, shown in table 1 specific as follows:
Table 1
| ? | The first embodiment | The second embodiment | The 3rd embodiment |
| Terminal transformation complexity | Little | In | Greatly |
| Terminal software is changed | Nothing | Greatly | In |
| Mode card | Support | Support | Support |
| The Card Reader pattern | Do not support | Support | Support |
| Ad hoc mode | Do not support | Support | Support |
| The user experiences | In | Good | Good |
| The IC-card cost | Little | Greatly | Little |
| Remote payment | Do not support | Support | Support |
| The near field payment | Support | Support | Support |
As shown in table 1, from terminal transformation complexity, in the first embodiment, only added a draw-in groove and antenna, therefore change cost minimization; In the second embodiment, add a draw-in groove, antenna and with the communication interface circuit of financial IC card, improvement cost is moderate; In the 3rd embodiment, change greatlyr, not only need intelligent terminal itself just to support NFC, also need to add a draw-in groove and antenna.Moreover, from terminal software, change complexity, support terminal software not in the first embodiment, therefore without transformation; In the second embodiment, need to revise the communication interface driver that is connected with safety chip in the operating system aspect, therefore transformation is larger; The communication interface that only needs terminal software transformation and financial IC card in the 3rd embodiment, therefore change moderate.
Based on foregoing, the utility model proposes a kind of intelligent terminal of realizing embedded financial IC card, utilize intelligent terminal of the present utility model, can effectively improve portability and the ease for use of financial IC card.For example, of the present utility modelly realize that the intelligent terminal of embedded financial IC card can also, on the basis of cost control, combine intelligent terminal and financial IC card well.For example, can on financial IC card, realize management of personal money etc. function, because this financial IC card can be by bank's hair fastener and control voluntarily, so on content, be to carry out personalized customization according to banking, more being conducive to bank's scope that extends one's service increases portfolio.
And, by such financial IC card is set in intelligent terminal, can tackle well the strong control of present operator to the SIM card industrial chain, more domestic larger bank, the third-party institution etc. draw oneself up on intelligent terminal the mobile payment application of being more convenient for, also be more conducive to promote the development of mobile payment industry.
Secondly, than present mobile payment SD card, because this financial IC card is to adopt the design of class PLUG-IN card, it can continue to continue to use existing PLUG-IN blocking fabrication technique in realization, can better reduce the cost of mobile payment, improve bank and even user's enthusiasm and property of participation.
Above example has mainly illustrated the intelligent terminal that embeds financial IC card of the present utility model.Although only some of them embodiment of the present utility model is described, those of ordinary skills should understand, and the utility model can be within not departing from its purport and scope be implemented with many other forms.Therefore, the example of showing and embodiment are regarded as illustrative and not restrictive, in the situation that do not break away from the utility model spirit as defined as appended each claim and scope, the utility model may be contained various modifications and replacement.
Claims (16)
1. the intelligent terminal that can embed financial IC card, is characterized in that, described intelligent terminal comprises:
Be arranged in described intelligent terminal and be used to inserting the financial IC card draw-in groove of financial IC card;
The non-antenna that connects that couples with described financial IC card; And
Described financial IC card is the financial IC card of PLUG-IN card pattern.
2. the intelligent terminal that embeds financial IC card as claimed in claim 1, is characterized in that,
Described financial IC card is for supporting the safety chip of non-connection function.
3. the intelligent terminal that embeds financial IC card as claimed in claim 2, is characterized in that,
The described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
Describedly non-ly connect that antenna is set in the situation that the bonnet of described intelligent terminal covers described the first antenna contacts with described the second antenna contacts, is electrically connected to.
4. the intelligent terminal that embeds financial IC card as claimed in claim 2, is characterized in that,
The described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
By described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described the first antenna contacts with described the second antenna contacts, be electrically connected to.
5. the intelligent terminal that embeds financial IC card as claimed in claim 1, is characterized in that,
Described financial IC card consists of NFC chip, safety chip and the antennal interface of supporting non-connection function.
6. the intelligent terminal that embeds financial IC card as claimed in claim 5, is characterized in that,
Described intelligent terminal also possesses the operating system of applying, operate control to intelligent terminal,
Described safety chip has the first communication interface that is connected with described operating system at least; And the second communication interface that is connected with described NFC chip.
7. the intelligent terminal that embeds financial IC card as claimed in claim 6, is characterized in that,
Described second communication interface is the SWP interface.
8. the intelligent terminal that embeds financial IC card as claimed in claim 7, is characterized in that,
Described the first communication interface is any one in 7816 interfaces, SPI interface, MMC interface, IC-USB interface.
9. the intelligent terminal that embeds financial IC card as claimed in claim 8, is characterized in that,
The described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
Describedly non-ly connect that antenna is set in the situation that the bonnet of described intelligent terminal covers described the first antenna contacts with described the second antenna contacts, is electrically connected to.
10. the intelligent terminal that embeds financial IC card as claimed in claim 8, is characterized in that,
The described non-antenna that connects is integrated in described financial IC card,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
By described non-when connecing antenna and being integrated in described financial IC card inserts described financial IC card draw-in groove described the first antenna contacts with described the second antenna contacts, be electrically connected to.
11. the intelligent terminal that embeds financial IC card as claimed in claim 1, is characterized in that,
Described intelligent terminal also possesses: to intelligent terminal, apply/operate the control operation system; And the NFC chip that is connected and can realizes non-connection function with described operating system,
Described financial IC card is the safety chip that possesses the SWP interface.
12. the intelligent terminal that embeds financial IC card as claimed in claim 11, is characterized in that,
Described safety chip is connected with the NFC chip of described intelligent terminal by described SWP interface,
Described operating system conducts interviews to described safety chip by described NFC chip.
13. the intelligent terminal that embeds financial IC card as claimed in claim 12, is characterized in that,
The described non-antenna arrangement that connects in the bonnet of described intelligent terminal,
The described non-antenna that connects has the first antenna contacts, and described financial IC card draw-in groove has the second antenna contacts,
Describedly non-ly connect that antenna is set in the situation that the bonnet of described intelligent terminal covers described the first antenna contacts with described the second antenna contacts, is electrically connected to.
14. the intelligent terminal that embeds financial IC card as claimed in claim 13, is characterized in that,
Described financial IC card directly is connected with described application/operation control operation system.
15. the intelligent terminal that embeds financial IC card as described as claim 1～14, is characterized in that,
Described intelligent terminal also possesses and is arranged in described intelligent terminal and be used to inserting the SIM card draw-in groove of SIM card,
The size of described financial IC card draw-in groove and described SIM card draw-in groove measure-alike,
The size of described financial IC card and described SIM card measure-alike.
16. the intelligent terminal that embeds financial IC card as claimed in claim 15, is characterized in that,
Described financial IC card draw-in groove and described SIM card draw-in groove be independent the setting respectively.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013200661147U CN203299924U (en) | 2013-02-05 | 2013-02-05 | Intelligent terminal capable of being embedded with finance IC card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2013200661147U CN203299924U (en) | 2013-02-05 | 2013-02-05 | Intelligent terminal capable of being embedded with finance IC card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN203299924U true CN203299924U (en) | 2013-11-20 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2013200661147U Expired - Lifetime CN203299924U (en) | 2013-02-05 | 2013-02-05 | Intelligent terminal capable of being embedded with finance IC card |
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| Country | Link |
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| CN (1) | CN203299924U (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103886364A (en) * | 2014-02-18 | 2014-06-25 | 北京中清怡和科技有限公司 | Memory card with intelligent chip |
| CN103971456A (en) * | 2013-02-05 | 2014-08-06 | 中国银联股份有限公司 | Intelligent terminal wherein financial IC card can be embedded |
-
2013
- 2013-02-05 CN CN2013200661147U patent/CN203299924U/en not_active Expired - Lifetime
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103971456A (en) * | 2013-02-05 | 2014-08-06 | 中国银联股份有限公司 | Intelligent terminal wherein financial IC card can be embedded |
| WO2014121734A1 (en) * | 2013-02-05 | 2014-08-14 | 中国银联股份有限公司 | Intelligent terminal in which financial ic card can be built |
| CN103886364A (en) * | 2014-02-18 | 2014-06-25 | 北京中清怡和科技有限公司 | Memory card with intelligent chip |
| CN103886364B (en) * | 2014-02-18 | 2017-02-15 | 北京中清怡和科技有限公司 | Memory card with intelligent chip |
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