CN206584402U - Mobile payment module and wearing payment devices - Google Patents

Abstract

The disclosure provides a mobile payment module and a wearable payment device. The mobile payment module includes: a bluetooth chip, a smart card chip, a power amplifier chip and an NFC antenna. The bluetooth chip has a bluetooth communication function; the smart card chip is connected to the bluetooth chip and has a payment function The power amplifier chip is connected with the smart card chip, and has the function of amplifying and adjusting the communication signal of the smart card chip; the NFC antenna is connected with the power amplifier chip, and has the function of communicating with the first device. The mobile payment module provided by this disclosure has the capability of NFC communication with the first device and the capability of Bluetooth communication with the second device by integrating the Bluetooth chip smart card chip, the power amplifier chip and the NFC antenna. The third device can communicate with the serial port communication capability, and the smart wearable device can easily integrate the mobile payment module, adding Bluetooth and NFC payment functions.

Description

Mobile payment module and wearable payment device

technical field

The present disclosure relates to the technical field of mobile payment, in particular to a mobile payment module and a wearable payment device.

Background technique

At present, Near Field Communication (NFC for short) payment technology is already a very mature short-distance (less than 10CM) payment communication method, which is mainly used in standard smart cards such as bank cards and bus cards and mobile phones with NFC function. Such as larger products and mobile devices.

With the popularity of Bluetooth Low Energy (BLE for short) technology, smart wearable devices based on Bluetooth Low Energy (BLE) technology have been widely popularized. Among many types of smart wearable devices, smart hands Wristband products such as rings and smart watches are the most popular among users, and adding NFC payment functions to smart bracelets and smart watches has also become a common application demand.

However, in order to meet the wearing needs of the human body, smart wearable devices are generally smaller in size and lighter in weight, resulting in a small area of NFC antennas for smart wearable products, which cannot meet the normal functional transmission and data communication requirements of NFC antennas. , so it is impossible to load the NFC payment function on smart wearable products.

Based on the above, the existing technology has the problem that NFC payment technology cannot be applied to smart wearable devices. Therefore, the present disclosure provides a new mobile payment module and wearable payment device.

The above information disclosed in this Background section is only for enhancement of understanding of the background of the disclosure and therefore it may contain information that does not form the prior art that is already known in the art to a person of ordinary skill in the art.

Utility model content

Aiming at the problems existing in the prior art, the present disclosure provides a mobile payment module and a wearable payment device to solve the technical problem in the prior art that it is impossible to load the NFC payment function on smart wearable products.

Other features and advantages of the present disclosure will become apparent from the following detailed description, or in part, be learned by practice of the present disclosure.

According to an aspect of the present disclosure, a mobile payment module is provided, including:

Bluetooth chip, with Bluetooth communication function;

Smart card chip, connected with bluetooth chip, has payment function;

The power amplifier chip is connected with the smart card chip and has the function of amplifying and adjusting the NFC communication signal of the smart card chip; and

The NFC antenna is connected with the power amplifier chip and has the function of communicating with the first device.

According to another embodiment of the present disclosure, the NFC antenna is a loop coil formed by etching on the circuit substrate.

According to another embodiment of the present disclosure, the Bluetooth chip is connected to the smart card chip through an ISO7816 interface.

According to another embodiment of the present disclosure, the bluetooth chip is connected to the power amplifier chip through an SPI interface.

According to another embodiment of the present disclosure, the Bluetooth chip includes:

The bluetooth communication unit is used to realize the communication between the bluetooth chip and the second device, and transmit the business instruction sent by the second device to the bluetooth chip and the processing result of the bluetooth chip.

According to another embodiment of the present disclosure, the bluetooth chip also includes:

The power amplifier and power management unit is used to monitor the working state of the power amplifier chip to ensure that the working state of the power amplifier chip meets the signal transmission requirements between the smart card chip and the NFC antenna.

According to another embodiment of the present disclosure, the bluetooth chip also includes:

The smart card communication unit is used to receive the application instruction and the control instruction, and send out the result processed according to the application instruction and the control instruction.

According to another embodiment of the present disclosure, the bluetooth chip also includes:

The serial port communication unit is used to realize the data exchange and transmission between the mobile payment module and the external function module.

According to another embodiment of the present disclosure, the Bluetooth chip further includes:

The payment control unit is respectively connected to the Bluetooth communication unit, the power amplification and power management unit, the smart card communication unit, and the serial communication unit, and is used to obtain business instructions through the Bluetooth communication unit and the serial communication unit, and The service instructions are divided into smart card application instructions, serial port transfer instructions, power amplification management instructions, power supply management instructions and payment service instructions.

According to another aspect of the present disclosure, a wearable payment device is also provided, including:

The above mobile payment module;

A wearable function module connected with a mobile payment module; and

The power module is connected with the wearable function module.

Based on the above technical solutions, the beneficial effects of the present disclosure are as follows:

The mobile payment module integrates the bluetooth chip smart card chip, the power amplifier chip and the NFC antenna together, and has the ability to communicate with the first device through NFC, and has the ability to communicate with the second device through bluetooth, and can communicate with the third device Communication serial port communication capability, smart wearable devices can easily integrate mobile payment modules, adding Bluetooth and NFC payment functions.

Description of drawings

The above and other features and advantages of the present disclosure will become more apparent by describing in detail example embodiments thereof with reference to the accompanying drawings.

Fig. 1 is a schematic composition diagram of a mobile payment module provided in an embodiment of the present disclosure.

FIG. 2 is a schematic structural diagram of a Bluetooth chip in an embodiment of the present disclosure.

Fig. 3 is a schematic diagram of a mobile payment module in an application process according to an embodiment of the present disclosure.

Fig. 4 is a schematic diagram of a wearable payment device provided in an embodiment of the present disclosure.

Fig. 5 is a schematic diagram of a wearable payment device provided in another embodiment of the present disclosure.

detailed description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals denote the same or similar parts in the drawings, and thus their detailed descriptions will be omitted.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, one skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details, or that other methods, components, materials, etc. may be employed. In other instances, well-known structures, materials, or operations are not shown or described in detail to avoid obscuring aspects of the present disclosure.

In order to realize the NFC communication function on a smaller antenna area, a power amplifier chip can be added between the smart card chip and the NFC antenna, and the power provided by an external power supply can ensure that the smart card chip and the power amplifier chip can work normally. In addition, in order to reduce the size and application difficulty, the standard smart card and the power amplifier chip can be packaged in a chip package, and the NFC antenna can be etched on the circuit substrate, so that the product can be standardized.

The above method of combining the smart card chip and the power amplifier chip in a chip package can solve the problem of NFC payment, but if it is applied to smart wearable payment products, there are still some problems.

First of all, the NFC payment module is separated from the Bluetooth chip. For smart wearable devices, the hardware integration is not high. Secondly, most smart wearable manufacturers are consumer electronics manufacturers. For NFC payment applications, especially consumer payment systems, COS and applet applications of smart card chips, they can only do hardware integration, but cannot complete software integration. Finally, the traditional NFC payment module is only suitable for short-distance payment transaction environments, and does not provide solutions for medium and long-distance (1-10 meters) transaction scenarios (such as automatic toll machines in parking lots).

Based on the above, the present disclosure provides a mobile payment module, and FIG. 1 shows a schematic composition diagram of a mobile payment module provided in an embodiment of the present disclosure. As shown in Figure 1, this mobile payment module 100 comprises: bluetooth chip 110, smart card chip 120, power amplification chip 130 and NFC antenna 140, bluetooth chip 110 has bluetooth communication function; smart card chip 120 is connected with bluetooth chip 110, has payment function The power amplification chip 130 is connected with the smart card chip 120, and has the function of amplifying and adjusting the NFC communication signal of the smart card chip 120; function of communication.

The mobile payment module provided by this disclosure adds the payment function to the original module with the Bluetooth communication function by sealing and integrating the Bluetooth chip and the NFC payment module. At the same time, by adding a power amplification chip between the smart chip card and the antenna, Realize the signal exchange between the smart chip card and external devices (such as consumer equipment POS machines, etc.).

The bluetooth chip in the present embodiment can realize the service function processing and the control of payment module such as bluetooth low power consumption (BLE) communication, serial port communication protocol; The inside of smart card chip is equipped with smart card operating system (JAVA COS) and applet application program, can According to different application scenarios, dynamically download, install, run and delete applet applications; the function amplification chip cooperates with the smart card chip to realize NFC communication and amplify and adjust the RF signal.

The antenna in this embodiment can be an NFC antenna formed by etching on the circuit substrate. The built-in NFC antenna formed in this way has a small area. Handshake for external POS machines.

In this embodiment, by etching the NFC antenna on the circuit substrate, the Bluetooth chip and the power amplifier chip are stacked on the smart card chip, and the smart card chip is stacked on the circuit substrate, and packaged into a chip through internal leads. The Bluetooth chip is connected to the smart card chip through the ISO7816 interface, and the Bluetooth chip is connected to the power amplifier chip through the SPI interface. At the same time, there is RF signal transmission and exchange between the power amplifier chip, the smart card chip and the NFC antenna.

The structure schematic diagram of bluetooth chip as shown in Figure 2, comprise in the bluetooth chip 110: bluetooth communication unit 111, power amplification and power supply management unit 112, smart card communication unit 113, serial port communication unit 114 and respectively with bluetooth communication unit 111, power Zoom in on the payment control unit 115 connected to the power management unit 112 , the smart card communication unit 113 and the serial port communication unit 114 .

The bluetooth communication unit 111 is used to realize the communication between the bluetooth chip 110 and the second device (not shown), and to transmit the business instructions sent by the second external module to the bluetooth chip 111 and the processing results of the bluetooth chip. Wherein the second device can be a mobile terminal such as a smart phone, and the Bluetooth communication unit 111 in this embodiment is based on the Bluetooth Low Energy (BLE) protocol to realize the communication connection between the mobile payment module and mobile terminals such as a smart phone, The main functions of the bluetooth communication unit 111 include:

1. Carry out Bluetooth protocol broadcast, bind with mobile terminals such as smartphones, and establish a Bluetooth communication channel;

2. Receive the application business instructions sent by the smart phone through the Bluetooth protocol.

3. Send the processing result of the application business instruction to the smart phone through the Bluetooth protocol.

The power amplification and power management unit 112 is used to monitor the working state of the power amplification chip 130 to ensure that the working state of the power amplification chip 130 meets the signal transmission requirements between the smart card chip 120 and the antenna 140 . The power amplification and power management unit 112 ensures that the working state of the power amplification chip 130 meets the RF signal transmission requirements between the smart card chip 120 and the NFC antenna 140 by setting the hardware parameters of the power amplification chip 130 and the hardware parameters of the power management circuit. Monitor the working state of the power amplifier chip, and set the power state of other hardware chips through the power management circuit, thereby reducing unnecessary power consumption.

The smart card communication unit 113 is used to receive the application instruction and control instruction sent by the payment control unit 115 to the smart card chip 120 , and send the processing result according to the application instruction and control instruction to the payment control unit 115 . The communication with the smart card chip can be realized through the smart card communication unit 113, which meets the requirements of the ISO7816 protocol. The main functions include:

1. Receive the application instruction (APDU) and the control instruction of the smart card chip of the payment control unit 115, and operate the smart card chip according to the standard definition requirements of the ISO7816 agreement, including:

a) Chip reset, obtain the reset response (ATS) of the smart card chip;

b) Protocol selection, setting the protocol type and communication rate with the smart card chip;

c) Command processing, according to the selected protocol type, carry out protocol packaging on the smart card application command (APDU), convert it into a transmission protocol data unit command format (TPDU) conforming to the ISO7816 communication protocol, send it to the smart card chip, and receive the response of the smart card chip Data, and then convert the response format of the smart card application command (APDU).

2. Send the processing results of the application instruction and the control instruction of the smart card chip to the payment control unit 115 .

The serial port communication unit 114 is used to realize the data exchange and transmission between the mobile payment module 100 and the external functional modules (which may be other functional modules of the wearable payment device), send control and business instructions to the payment control unit 115, and receive instructions from the payment control unit 115 Process the results and forward them to other functional modules.

The payment control unit 115 is used to obtain service instructions through the Bluetooth communication unit 111 and the serial port communication unit 114, and divide the service instructions into smart card application instructions, serial port transfer instructions, power amplification management instructions, power supply management instructions and payment service instructions.

The payment control unit 115 is the main control unit of the mobile payment module. It mainly receives business instructions transmitted by each unit, processes or forwards the business instructions, and sends them to other equipment modules through each unit. Its main functions include:

1. Receive the service instructions sent by the external device through the Bluetooth communication unit 111 or the serial port communication unit 114, and classify the instructions into smart card application instructions (APDU), serial port transfer instructions, power amplification management instructions, power supply management instructions and payment service instructions (query wallet balance, set default wallet, etc).

2. Transmit the smart card application command APDU to the smart card chip 120 through the smart card communication unit 113, and receive the processing result of the smart card application command APDU through the smart card communication unit 113, and then send it to an external device through Bluetooth or a serial port.

3. Process the power amplification management instruction and the power management instruction, and realize the power management of the mobile payment module by setting the power amplification chip 130 and the power management circuit, and pass the processing result and status to the Bluetooth communication unit 111 or the serial port communication unit 114 sent to an external device.

4. Process the payment service instruction, organize the smart card application instruction (APDU) sequence according to the definition of the payment service instruction, and send the smart card application instruction (APDU) sequence to the smart card chip 120 through the smart card communication unit 113, and receive it through the smart card communication unit 113 The smart card chip 120 processes the result of the smart card application instruction (APDU), analyzes and processes the result, converts it into a response format defined by the payment service instruction, and sends it to an external device through the Bluetooth communication unit 111 or the serial communication unit 114.

The above-mentioned control unit and the communication unit with various communication functions run inside the Bluetooth chip, mainly realizing Bluetooth communication, smart card communication, serial port communication, power amplification and power management, and analysis and processing of application business instructions.

Based on the above, the mobile payment module provided by this embodiment integrates the Bluetooth chip and the smart card chip into an integrated package, and uses a power amplifier chip to connect between the smart card chip and the antenna to amplify and adjust the signal, and uses the NFC antenna for short-distance communication and Bluetooth The characteristics of medium and long-distance communication realize the dual-mode payment method.

Fig. 3 shows the schematic diagram of the mobile payment module in the present embodiment in the application process, and this mobile payment module can carry out bluetooth communication with the second device (such as smart phone etc. mobile terminals) through the bluetooth chip, or communicate with the outside through the serial port The control module (such as a wearable function module as a third device) is connected and receives control commands through serial port communication, and then performs near-field communication (that is, NFC communication) with the first device (such as a consumer POS machine) through an NFC antenna to complete the consumption process .

Fig. 4 also shows a schematic diagram of a wearable payment device 1000 provided in an embodiment of the present disclosure, the wearable payment device 1000 includes: a mobile payment module 100 and a power supply module 200, and the power supply module 200 provides power for the mobile payment module 100 .

FIG. 5 also shows a schematic diagram of a wearable payment device 1000 provided in another embodiment of the present disclosure. The wearable payment device 1000' includes: a mobile payment module 100, a power supply module 200 and a wearable function module 300. The wearable function module 300 and The mobile payment module 100 is connected, the power supply module 200 is connected with the wearable function module 300 , and the power supply module 200 provides power for the mobile payment module 100 and the wearable function module 300 .

The mobile system module in the wearable payment device adds a Bluetooth communication function to the NFC payment module that originally has the ability to communicate with the first device through NFC, so that the mobile payment module can directly communicate with the second device. At the same time, the mobile payment module provides a serial port The communication function can communicate with the third device (that is, the wearable function module), and the smart wearable device can easily integrate the NFC payment function.

To sum up, this disclosure solves the problem that smart wearable devices (smart bracelets, smart watches, etc.) cannot load NFC payment functions in a limited space due to their small size by sealing the NFC antenna, Bluetooth chip, and smart card chip in a standard chip. Combining the product characteristics of Bluetooth and NFC payment modules, it solves the conflict between the diversity of smart wearable products and the standardization (normativeness) of bank (bus) NFC payment products. .

Those skilled in the art should realize that changes and modifications made without departing from the scope and spirit of the present disclosure disclosed in the appended claims of the present disclosure are within the protection scope of the claims of the present disclosure.

Claims (10)

1. A mobile payment module, characterized in that, comprising: Bluetooth chip, with Bluetooth communication function; The smart card chip is connected with the bluetooth chip and has a payment function; A power amplifier chip, connected to the smart card chip, has the function of amplifying and adjusting the NFC communication signal of the smart card chip; and The NFC antenna is connected with the power amplifier chip and has the function of communicating with the first device. 2. The mobile payment module according to claim 1, wherein the NFC antenna is a loop coil formed by etching on the circuit substrate. 3. The mobile payment module according to claim 1, wherein the bluetooth chip is connected to the smart card chip through an ISO7816 interface. 4. The mobile payment module according to claim 1, wherein the bluetooth chip is connected to the power amplifier chip through an SPI interface. 5. The mobile payment module according to claim 1, wherein the bluetooth chip includes: The Bluetooth communication unit is configured to implement communication between the Bluetooth chip and the second device, and transmit the service instructions sent by the second device to the Bluetooth chip and the processing results of the Bluetooth chip. 6. The mobile payment module according to claim 5, wherein the bluetooth chip also includes: The power amplification and power management unit is used to monitor the working state of the power amplification chip to ensure that the working state of the power amplification chip meets the signal transmission requirements between the smart card chip and the NFC antenna. 7. The mobile payment module according to claim 6, wherein the bluetooth chip also includes: The smart card communication unit is used to receive the application instruction and the control instruction, and send out the result processed according to the application instruction and the control instruction. 8. The mobile payment module according to claim 7, wherein the bluetooth chip also includes: The serial port communication unit is used to realize the data exchange and transmission between the mobile payment module and the external function module. 9. The mobile payment module according to claim 8, wherein the bluetooth chip also includes: The payment control unit is respectively connected to the Bluetooth communication unit, the power amplification and power management unit, the smart card communication unit, and the serial communication unit, and is used to obtain business instructions through the Bluetooth communication unit and the serial communication unit, and The service instructions are divided into smart card application instructions, serial port transfer instructions, power amplification management instructions, power supply management instructions and payment service instructions. 10. A wearable payment device, characterized in that it comprises: The mobile payment module according to any one of claims 1-9; A wearable functional module connected to the mobile payment module; and The power supply module is connected with the wearable function module.