CN204303007U - A kind of smart payment card - Google Patents
A kind of smart payment card Download PDFInfo
- Publication number
- CN204303007U CN204303007U CN201420765485.9U CN201420765485U CN204303007U CN 204303007 U CN204303007 U CN 204303007U CN 201420765485 U CN201420765485 U CN 201420765485U CN 204303007 U CN204303007 U CN 204303007U
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- Prior art keywords
- payment card
- battery module
- controller unit
- micro controller
- payment
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Abstract
The utility model discloses a kind of smart payment card, comprise micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory, battery module and Payment Card shell; Described NFC interface, fingerprint sensor, nonvolatile memory are connected with micro controller unit respectively by cable with battery module, and described micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory and battery module are arranged in Payment Card shell; Described NFC interface communicates with the NFC read write line of outside businessman, and carry out information interaction and pay to realize near field, described battery module is used for powering for micro controller unit.Smart payment card of the present utility model can realize contactless payment function, realize the strict checking to account user identity by fingerprint sensor simultaneously, ensure the safety of mobile payment process, be adapted at the higher payment occasion of safety requirements and financial institution promotes the use of.
Description
Technical field
The utility model relates to a kind of Payment Card, especially a kind of smart payment card, belongs to intelligent payment technology field.
Background technology
Along with popularizing of mobile payment, increasing consumer adopts mobile payment pattern to replace cash and bankcard consumption pattern.Current mobile payment mode mainly mobile-phone payment, namely by the instrument of mobile phone as mobile payment, its payment technology adopted mainly comprises three kinds:
1) near field pays: namely utilize the technology such as RFID, NFC to realize closely contactless payment, pays also referred to as mobile phone card-brushing, utilizes the consume activities such as payment chip built-in in mobile phone realizes by bus, shopping.
2) SMS pays: utilize cell-phone number as account ID, and the checking note sent by receiving payment mechanism completes payment activity.
3) mobile Internet pays: namely connect payment mechanism website by means of mobile phone, mutual with payment mechanism website, completes payment activity.
Above three kinds of mobile payment patterns all depend on this hardware carrier of mobile phone and depend on the Identity Code of cell-phone number as personal account, obviously in safety, there is certain defect: first, mobile phone is not for designed by paying, even if designed by mobile Internet, smart mobile phone still belongs to the derivative of personal computer specially, its hardware system is complicated, software is also easily under attack, so do not belong to safe payment terminal.Secondly, cell-phone number is not identification card number, as identity or account identification code also inconvenience, because a people may have multiple mobile phone, and the acquisition of phone number also can not accomplish strict real name now, in addition mobile phone is easily stolen, and the number that stolen backward common carrier recovers stolen mobile phone also needs certain hour.These factors make mobile-phone payment mode safe not, under the situation of mobile payment fast development, are necessary to improve existing mobile-phone payment pattern, invent a kind of special, safety, and strictly can verify the contactless payment device of account identity.
Utility model content
The purpose of this utility model is the defect in order to solve above-mentioned prior art, provides one to realize mobile payment function, and can be realized the smart payment card of personal identification qualification by checking fingerprint.
The purpose of this utility model can reach by taking following technical scheme:
A kind of smart payment card, comprises micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory, battery module and Payment Card shell; Described NFC interface, fingerprint sensor, nonvolatile memory are connected with micro controller unit respectively by cable with battery module, and described micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory and battery module are arranged in Payment Card shell; Described NFC interface communicates with the NFC read write line of outside businessman, and carry out information interaction and pay to realize near field, described battery module is used for powering for micro controller unit.
As a kind of embodiment, described micro controller unit comprises CPU, RAM and ROM.
As a kind of embodiment, described NFC interface comprises the NFC chip and antenna that are connected.
As a kind of embodiment, described nonvolatile memory is FLASH memory.
As a kind of embodiment, described battery module is lithium battery module.
Smart payment card principle of work of the present utility model is: before work, is entered in the nonvolatile memory of smart payment card by payment mechanism or financial institution by account and identity information with the form of enciphered data; Operationally, consumer is by the NFC read write line of smart payment card near outside businessman, NFC interface and the NFC read write line of smart payment card carry out near-field communication, mutual payment information, when needs validation of payment person's identity information, finger print data is passed to micro controller unit by fingerprint sensor by consumer, micro controller unit is by comparing the Fingerprint Identity information stored in this finger print data and nonvolatile memory, whether checking consumer possesses legal rights of using, just sends instruction to NFC read write line complete payment as being verified.
The utility model has following beneficial effect relative to prior art:
1, smart payment card of the present utility model realizes near field payment function by NFC interface, can realize contactless payment, realizes the strict checking to account user identity simultaneously, ensured the safety of mobile payment process by fingerprint sensor.
2, smart payment card of the present utility model is as the special payment devices of one, and comparatively mobile phone is safer in mobile payment, can not use by stolen taker even if stolen, is thus more suitable for promoting the use of in the higher payment occasion of safety requirements and financial institution.
Accompanying drawing explanation
Fig. 1 is the smart payment card structural representation of the utility model embodiment 1.
Fig. 2 is the schematic diagram that the smart payment card of the utility model embodiment 2 is connected with the various NFC read write line in outside.
Wherein, 1-micro controller unit, 2-NFC interface, 3-fingerprint sensor, 4-nonvolatile memory, 5-battery module, 6-Payment Card shell.
Embodiment
Be described in detail below in conjunction with the embodiment of accompanying drawing to smart payment card of the present utility model.
Embodiment 1:
As shown in Figure 1, the smart payment card of the present embodiment comprises micro controller unit 1, NFC interface 2, fingerprint sensor 3, nonvolatile memory 4, battery module 5 and Payment Card shell 6; Described NFC interface 2, fingerprint sensor 3, nonvolatile memory 4 are connected with micro controller unit 1 respectively by cable with battery module 5, and described micro controller unit 1, NFC interface 2, fingerprint sensor 3, nonvolatile memory 4 and battery module 5 are arranged in Payment Card shell 6; Wherein:
Described micro controller unit 1 is the calculating core of whole device, for controlling other module work, generally can comprise CPU, RAM and ROM, employing be STM32 series, concrete model is the single-chip microcomputer of STM32F103C8T6.
Described NFC interface 2 comprises the NFC chip and antenna that are connected, and it communicates with the NFC read write line of outside businessman, carries out information interaction and pays to realize near field.
Described fingerprint sensor 3, for verifying the identity of smart payment card owner, realizes the safety verification function in payment process.
Described nonvolatile memory 4 is for storage accounts information, Fingerprint Identity information and all kinds of ephemeral data, and it preferably adopts FLASH memory.
Described battery module 5 is for powering for micro controller unit 1, and it preferably adopts lithium battery module.
The smart payment card principle of work of the present embodiment is as follows:
1) before work by payment mechanism or financial institution by account and identity information with in the nonvolatile memory 4 of the form typing of enciphered data;
2) during work, consumer is by the NFC cashing machine (NFC cashing machine be the one of NFC read write line) of smart payment card near businessman, NFC interface 2 and the NFC cashing machine of smart payment card carry out near-field communication, mutual payment information, when needs validation of payment person's identity information, finger print data is passed to micro controller unit 1 by fingerprint sensor 3 by consumer, micro controller unit 1 passes through by the Fingerprint Identity stored in this finger print data and nonvolatile memory information being compared, whether checking consumer possesses legal rights of using, just send instruction to NFC cashing machine as being verified and complete payment.
Above principle of work is all adopt existing techniques in realizing.
In sum, the smart payment card of the present embodiment can realize contactless payment function, realize strict checking to account user identity by fingerprint sensor simultaneously, ensured the safety of mobile payment process, be adapted at the higher payment occasion of safety requirements and financial institution promotes the use of.
Embodiment 2:
As shown in Figure 2, the payment function that the smart payment card of the present embodiment can realize specifically comprises:
1) by smart payment card is mutual with the NFC cashing machine being connected to trade company's computer, the purchase of commodity or service is completed.
2) by smart payment card is mutual with the NFC read write line being connected to fuel-servicing equipment, complete to refuel paying.
3) by by be connected to the NFC read write line of ATM mutual with smart payment card, complete account inquiries, transfer accounts or the transaction such as cash-access.
The smart payment card specific structural features of the present embodiment and principle are with embodiment 1.
The above; be only the utility model patent preferred embodiment; but the protection domain of the utility model patent is not limited thereto; anyly be familiar with those skilled in the art in the scope disclosed in the utility model patent; be equal to according to the technical scheme of the utility model patent and utility model design thereof and replaced or change, all belonged to the protection domain of the utility model patent.
Claims (5)
1. a smart payment card, is characterized in that: comprise micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory, battery module and Payment Card shell; Described NFC interface, fingerprint sensor, nonvolatile memory are connected with micro controller unit respectively by cable with battery module, and described micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory and battery module are arranged in Payment Card shell; Described NFC interface communicates with the NFC read write line of outside businessman, and carry out information interaction and pay to realize near field, described battery module is used for powering for micro controller unit.
2. a kind of smart payment card according to claim 1, is characterized in that: described micro controller unit comprises CPU, RAM and ROM.
3. a kind of smart payment card according to claim 1, is characterized in that: described NFC interface comprises the NFC chip and antenna that are connected.
4. a kind of smart payment card according to any one of claim 1-3, is characterized in that: described nonvolatile memory is FLASH memory.
5. a kind of smart payment card according to any one of claim 1-3, is characterized in that: described battery module is lithium battery module.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201420765485.9U CN204303007U (en) | 2014-12-05 | 2014-12-05 | A kind of smart payment card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201420765485.9U CN204303007U (en) | 2014-12-05 | 2014-12-05 | A kind of smart payment card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN204303007U true CN204303007U (en) | 2015-04-29 |
Family
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201420765485.9U Expired - Fee Related CN204303007U (en) | 2014-12-05 | 2014-12-05 | A kind of smart payment card |
Country Status (1)
| Country | Link |
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| CN (1) | CN204303007U (en) |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017088728A1 (en) * | 2015-11-25 | 2017-06-01 | 中国银联股份有限公司 | Transaction device and method for ic card |
| CN106951809A (en) * | 2016-04-01 | 2017-07-14 | 珠海艾派克微电子有限公司 | NFC label |
| WO2018077881A1 (en) * | 2016-10-24 | 2018-05-03 | Robert Bosch Gmbh | Communication arrangement for wireless communication, and method for controlling such a communication arrangement |
| CN108805581A (en) * | 2018-06-29 | 2018-11-13 | 芜湖市联网汇通电子科技有限公司 | A kind of electronic card safety payment system and its method |
-
2014
- 2014-12-05 CN CN201420765485.9U patent/CN204303007U/en not_active Expired - Fee Related
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2017088728A1 (en) * | 2015-11-25 | 2017-06-01 | 中国银联股份有限公司 | Transaction device and method for ic card |
| CN106951809A (en) * | 2016-04-01 | 2017-07-14 | 珠海艾派克微电子有限公司 | NFC label |
| CN106951809B (en) * | 2016-04-01 | 2020-02-07 | 珠海艾派克微电子有限公司 | NFC tag |
| WO2018077881A1 (en) * | 2016-10-24 | 2018-05-03 | Robert Bosch Gmbh | Communication arrangement for wireless communication, and method for controlling such a communication arrangement |
| CN109863698A (en) * | 2016-10-24 | 2019-06-07 | 罗伯特·博世有限公司 | Method for the communication device of wireless communication and for controlling such communication device |
| US10771111B2 (en) | 2016-10-24 | 2020-09-08 | Robert Bosch Gmbh | Communication set-up for wireless communication and method for controlling such a communication set-up |
| US11438028B2 (en) | 2016-10-24 | 2022-09-06 | Robert Bosch Gmbh | Communication set-up for wireless communication and method for controlling such a communication set-up |
| CN108805581A (en) * | 2018-06-29 | 2018-11-13 | 芜湖市联网汇通电子科技有限公司 | A kind of electronic card safety payment system and its method |
| CN108805581B (en) * | 2018-06-29 | 2021-10-08 | 南京中景辉创网络科技有限公司 | Electronic card safety payment system and method thereof |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C14 | Grant of patent or utility model | ||
| GR01 | Patent grant | ||
| CF01 | Termination of patent right due to non-payment of annual fee | ||
| CF01 | Termination of patent right due to non-payment of annual fee |
Granted publication date: 20150429 Termination date: 20161205 |