TW202407605A - Chip card transaction system based on mobile device and implementation method thereof by driving the mobile device to communicate with a chip card that is also located in a first communication range by using a first wireless communication protocol - Google Patents

Abstract

A chip card transaction system based on a mobile device includes a mobile device that is installed with or executes an application program (APP). The application program is configured to at least: drive the mobile device to communicate with a chip card that is also located in a first communication range by using a first wireless communication protocol (such as the NFC protocol), so as to read card information of the chip card, the mobile device determining whether to approve a transaction request of the chip card (such as deduction and adding value); and drive the mobile device to use the first wireless communication protocol to write updated card information (such as information including electronic value) into the chip card within the first communication range after the transaction is completed. The present invention also provides an implementation method of a chip card transaction system.

Description

Mobile device-based chip card transaction system and implementation method thereof

The present invention relates to a technology that uses wireless communication technology and mobile devices to manage and verify chip card transactions. In particular, it refers to a mobile device that can decide whether to allow a chip card transaction request through an application program, and can complete online or offline real-time chip card transactions. , and in response to the transaction request result being allowed, within the communication range where the chip card and the mobile device can communicate with each other, the mobile device uses wireless communication technology (such as NFC technology) to associate the updated card information (such as (including card balance information) is written into the chip card, thereby achieving a "mobile device-based chip card" that is not limited by time and location and can instantly complete chip card transactions such as card deductions and card top-ups through the application. Trading system and its implementation method".

With the frequency of electronic transactions, most people now use chip cards such as debit cards, credit cards, and transportation ticket cards to replace the traditional cash payment method. However, if consumers want to use chip cards in physical stores or online For purchases in stores, transactions must be completed through the merchant's end or a self-prepared proximity/swipe card reader and must be online. In addition, for transportation ticket cards, if consumers want to make value-added transactions, The use of debit transactions is also limited to stations or merchants (such as supermarkets) equipped with induction reading and writing equipment, which is quite inconvenient. Therefore, how to come up with a method that can solve the aforementioned problems and achieve the goal of making chip card transactions not subject to restrictions? The "mobile device-based chip card transaction system and its implementation method" that is limited in time and usage field is a problem that needs to be solved.

To achieve the above objectives, the present invention discloses a mobile device-based chip card transaction system. The chip card transaction system includes a mobile device. The mobile device includes a communication module, a processor and a memory. The processor is electrically connected to the communication module and the memory respectively. The mobile device loads or executes an application program (APP). .

Following the above, the application is used to drive the communication module to use a first wireless communication protocol (such as NFC or Bluetooth protocol) to conduct wireless communication with a chip card to read and write card information of the chip card (such as card ID, financial information, etc.). Card number, credit card number, card account balance, previous transaction record, current transaction record, card issuance date, card expiration date, card type, card issuer information, card transaction serial number, bank code, value-added transaction flag , any combination of value-added transaction amount, value-added transaction date, message authentication code, card anti-counterfeiting verification code, card identity, identity expiration date, county and city code. It should be noted that this should depend on the transaction type and card type of the transaction request. Certainly).

Following the above, the communication module can also use a second wireless communication protocol (such as a Wi-Fi protocol or a mobile communication protocol with a communication distance/effective communication range greater than the first wireless communication protocol) and a back-end server through an Internet road for communication.

In various embodiments, both the mobile device and the backend server may decide whether to allow a transaction request from the chip card.

The key to the present invention is that when the chip card and the communication module are within a first communication range that can communicate with each other using the first wireless communication protocol, the application program can cause the processor to decide whether to allow the transaction request of the chip card (for example, Deduction request, value-adding request, card swiping request), and generate a transaction request result (such as deduction success, value-adding success, card swiping success), and the communication module does not need to connect to the back-end server, or the communication module In a mode that does not need to be connected to the Internet, the result of allowing the chip card transaction request is achieved in this offline mode, and the communication module uses the first wireless communication protocol to update the transaction request within the first communication range. The card information is then written to the chip card.

Based on the above, when the mobile device and the chip card of the present invention are within the first communication range that can communicate with each other using the first wireless communication protocol, and the mobile device does not need to be connected to the Internet, the mobile device can Decide whether to allow the chip card transaction request through the application, and complete real-time chip card transactions. And in response to the result of the transaction request being allowed, within the first communication range between the chip card and the mobile device, the updated card information associated with the transaction request can be written into the chip card using, for example, the NFC protocol using wireless communication technology, thereby , it can achieve the advantageous effect that instant transactions with chip cards are not limited by time and usage areas, effectively improving the convenience of instant transactions with chip cards.

The invention also proposes an implementation method of a mobile device-based chip card transaction system, a computer-readable recording medium and a computer program product.

In order to enable you, the review committee, to clearly understand the purpose, technical features and effectiveness of the present invention, the following description is provided with illustrations, please refer to it.

Please refer to Figures 1 and 2, a chip card transaction system based on a mobile device. In one embodiment, the chip card transaction system 10 mainly includes a mobile device 101. The chip card transaction system 10 may further include a back-end server. 102.

Please refer to Figure 1. In one embodiment, the mobile device 101 includes a processor 1011, a communication module 1012 and a memory 1013. The processor 1011 is electrically connected to the communication module 1012 and the memory 1013 respectively.

Please refer to Figures 1 and 2. In one embodiment, the mobile device 101 installs or executes an application APP. The data of the application APP (such as multiple commands and actions of the application APP in the functions disclosed in the present invention) Temporary data generated after the device 101 executes the application program APP) is stored in the memory 1013.

Please refer to Figures 1 and 2. In one embodiment, the application APP is configured to at least drive the communication module 1012 to use a first wireless communication protocol P1 to perform wireless communication with a chip card C. It should be noted that this When the communication module 1012 and the chip card C are in a first communication range that can communicate with each other using the first wireless communication protocol P1. Next, the application APP is configured to drive the communication module 1012 to read a piece of card information I from the chip card C within the first communication range, and then cause the processor 1011 executing the application APP to verify the chip based on the card information I. Whether the card C is a valid card and whether to allow a transaction request T of the chip card C is determined. In addition, the application APP can also be configured to drive the communication module 1012 to read and write the card information I of the chip card C based on the first wireless communication protocol P1. In this way, the mobile device 101 can allow the transaction request T of the chip card C within the first communication range through the application APP, effectively improving the convenience of real-time transactions with the chip card.

Please refer to Figures 1 and 2. In one embodiment, the mobile device 101 allows the processor 1011 to verify the card information I through the application APP, and can store the card information I corresponding to the chip card C in the memory 1013. ', so that when the processor 1011 performs card verification, it can compare the card information I with the card information I' stored in the memory 1013, and after the verification is completed, the processor 1011 generates a card verification result C_V.

As an example, the first wireless communication protocol P1 can be a near field communication (NFC) protocol, a Bluetooth Low Energy (BLE), a high-speed Bluetooth communication protocol (Bluetooth HS), or a ZigBee communication protocol. protocol, a Sub-1GHz communication protocol, a Z-Wave communication protocol, an Ultra-Wideband communication protocol (UWB), a Wi-Fi communication protocol, a HiperLAN communication protocol, or any combination thereof, but not limited to this .

Please refer to Figures 1 and 2. In one embodiment, the card information I that can be used to verify the validity of the card or as a decision factor for whether to allow a chip card transaction can be a card data, a transaction data, One or a combination of one verification information and one identity information, but is not limited to this.

As an example, the card information may include any combination of card ID, card account balance (Electronic Value, EV), card issuance date, card expiration date, card type, and card issuer information. In addition, if the chip card C is a debit card or a credit card, the card information may further include a debit card number or a credit card number.

As an example, the transaction data may be the previous transaction record, this transaction record, card transaction serial number, bank code (bank_code), value-added transaction flag (autoload enable flag), value-added transaction amount, value-added transaction Any combination of dates.

Wherein, as an example, the verification information may include a message authentication code (Message Authentication Code, referred to as MAC, also known as a message authentication code, a file message authentication code or a key code), a card anti-counterfeiting verification code (Counterfeit Proof Data (CPD for short) or one of the two. In one embodiment, when the processor 1011 executing the application APP can verify whether the chip card C is a valid card based on the card information I, the card information I required for verification should at least include the verification data.

Please refer to Figures 1 and 2. In one embodiment, in addition to storing the message authentication code of the chip card C in the chip card C, the mobile device 101 can also calculate another message authentication code through the application 101. When the processor 1011 for executing the application APP verifies whether the chip card C is a valid card based on the card information I, the mobile device 101 and the chip card C can mutually check the message authentication sent to each other based on the first wireless communication protocol P1. Whether the codes are the same or corresponding to each other, so as to ensure that the content of the message (Message, such as card ID, card expiration date, card production date, card type, etc.) during the transmission process between the chip card C and the mobile device 101 has not been Changed to achieve the purpose of verifying the card with two-way authentication. The message authentication code is generated by executing a MAC algorithm on the message using a key, but is not limited to this.

Please refer to Figures 1 and 2. In one embodiment, the card anti-counterfeiting verification code can be determined by several fields of the card information (such as card ID, card expiration date, card production date, card type) , generated by calculating the message authentication code, and before executing/allowing each transaction request T, the mobile device 101 can check the card anti-counterfeiting verification code through the application APP to avoid the possibility of counterfeit cards.

As an example, the identity information may include one of a card identity (such as ordinary, student, preferential status, etc.), an identity expiration date (only needs to be set for special identities), and a county or city code (area_code) or any combination thereof.

Please refer to Figures 1 and 2. In one embodiment, the communication module 1012 can use a second wireless communication protocol P2 to communicate with the back-end server 102 through an Internet. The back-end server 102 can include A transaction subsystem 1021 and a card management subsystem 1022.

As an example, the second wireless communication protocol P2 can be one of a Wi-Fi communication protocol, a HiperLAN communication protocol, and a mobile communication protocol (such as 2G, 2.5G, 3G, 3.5G, 4G LTE, 5G, etc.) or combination thereof. Wherein, the mobile communication protocol refers to the communication method by which the mobile device 101 can connect to the Internet through the base station of a telecommunications operator.

Please refer to Figures 1 and 2, especially the dotted line part of Figure 2. In another embodiment of the present invention, the transaction subsystem 1021 of the back-end server 102 can decide whether to allow the transaction request T of the chip card C and Generate a transaction request result T_A. The card management subsystem 1022 is used to verify whether the chip card C is a valid card and generate a card verification result C_V. Both the card verification result C_V and the transaction request result T_A can be sent to the mobile device 101 through the Internet based on the second wireless communication protocol P2, so as to be updated in the memory 1013 of the mobile device 101 regularly or irregularly.

Please refer to Figures 1 and 2. In one embodiment, the application APP of the mobile device 101 is configured so that the communication module 1012 does not need to be connected to the back-end server 102, or the communication module 1012 does not need to be connected. In a first mode of the Internet (which can also be called an offline state), when the chip card C and the communication module 1012 are within a first communication range that can communicate with each other using the first wireless communication protocol P1, The processor 101 determines whether to allow the transaction request T of the chip card C, generates the transaction request result T_A, and causes the communication module 1012 to use the first wireless communication protocol P1 to update the card associated with the transaction request T in the offline state. The information I_U is written on the chip card C, and allows the user to confirm the transaction request result T_A (for example, transaction permission) in the application APP. In this way, the mobile device 101 can allow the transaction request T of the chip card C in an offline state through the application APP, effectively improving the convenience of real-time transactions with the chip card. In addition, the transaction request T of the chip card C can be triggered by the chip card C sending to the communication module 1012 (that is, the chip card C serves as the initiating device and the communication module 1012 serves as the slave device), but the transaction request T of the chip card C can also be triggered by the communication module 1012. The module 1012 is triggered by sending to the chip card C (that is, the communication module 1012 serves as the initiating device and the chip card C serves as the slave device).

Please refer to Figures 1 and 2. In one embodiment, the mobile device 101 determines whether to allow the transaction request T of the chip card C. The application APP can drive the processor 1011 to at least process the card information in the first mode. The verification data in I is verified and a card verification result C_V is generated, but this is only an example and is not limited to this. In addition, the information that may be included in the verification data has been mentioned above and will not be described again here.

Please refer to Figures 1 and 2. In one embodiment, the card verification result C_V, the transaction request result T_A and the updated card information I_U generated by the mobile device 101 can all be requested on the mobile device 101 after the transaction is completed. In a second mode connected to the back-end server 102, the communication module 1012 sends the information to the back-end server 102 regularly or irregularly through the second wireless communication protocol P2 for updates.

Please refer to Figures 1 and 2. In one embodiment, the communication distance/effective communication range of the wireless communication technology using the first wireless communication protocol P1 (i.e., the aforementioned first communication range) can be smaller than that using the first wireless communication protocol P1. A second communication distance of the wireless communication technology of the second wireless communication protocol P2.

Please refer to Figures 1 and 2. In one embodiment, the application APP is also configured so that the communication module 1012 does not need to be connected to the back-end server 102, or the communication module 1012 does not need to be connected to the Internet. In a first mode of the road (that is, offline state), within the first communication range where the chip card C and the communication module 1012 are located, the processor 1011 uses the application APP to store the card information I' in the memory 1013 , compared with the card information I read from the chip card C by the communication module 1012 based on the first wireless communication protocol P1, thereby achieving the function of verifying the chip card C in an offline state, and the processor 1011 generates a card verification result. C_V, it also allows users to confirm the card verification result C_V (for example, the card verification is successful) in the application APP. In this way, the mobile device 101 can achieve a technical means of offline verification of card validity through the application APP.

Please refer to Figures 1 and 2. In one embodiment, after the transaction is completed, the card verification result C_V generated by the mobile device 101 in the offline state can be used in the second mode where the mobile device 101 needs to be connected to the backend server 102. Next, the communication module 1012 sends the information to the backend server 102 regularly or irregularly through the second wireless communication protocol P2 for updating.

Please refer to Figures 1 and 2. In one embodiment, the first wireless communication protocol P1 can be the near field communication (NFC) protocol, and the scenario of this embodiment is that the communication module 1012 does not need to be connected to The backend server 102 or the communication module 1012 does not need to be connected to the first mode (also called offline state) of the Internet. More specifically, when the application APP needs to drive the communication module 1012 to use the first wireless communication protocol P1 to perform wireless communication with the chip card C, the first communication range where the chip card C and the communication module 1012 are located is the available Within the communication range of near field communication (NFC), for example, the location of the chip card C needs to be adjacent to the NFC sensing area of the mobile device 101 (not shown in the figure).

Please refer to Figure 3, which is an implementation method S of the mobile device-based chip card transaction system of the present invention, which is applied to a mobile device 101 and a chip card C. Please refer to Figures 1 and 2 in conjunction with the chip card. The implementation method S of the trading system includes the following steps.

In step S1 (the application drives the communication module to use the first wireless communication protocol in response to the transaction request of the chip card to verify whether the chip card is a valid card), an application APP installed or executed on the mobile device 101 responds to A transaction request T of the chip card C drives the communication module 1012 to communicate with the chip card C using a first wireless communication protocol P1, and reads a card information I from the chip card C, and can drive the processor through the application program APP 1011 Compare the card information I of the chip card C with the card information I' stored in the memory 1013 of the mobile device 101 to verify whether the chip card C is a valid card.

Next, the judgment condition of whether the transaction request T is processed by the mobile device 101 is entered. If the application APP is configured to allow the transaction request T to be processed by the mobile device 101, the judgment result is yes, and step S2 is continued; otherwise, if The application APP is configured to determine that the transaction request T cannot be processed by the mobile device 101, then the determination result is negative, and step S3 continues.

In step S2 (within the communication range between the chip card and the communication module, the communication module determines whether to allow the card transaction request by the mobile device in a mode that does not need to be connected to the Internet), when the communication module of the mobile device 101 The group 1012) and the chip card C are within a first communication range that can use the first wireless communication protocol P1 with each other, and the application APP is configured to be able to communicate in the communication module 1012 without connecting to the backend server 102. The module 1012 does not need to be connected to the Internet in a first mode (which can also be called an offline mode). In this offline state, the processor 1011 of the mobile device 101 determines whether to allow the transaction request T of the chip card C.

In addition, in another embodiment, in the above step S2, the application APP can also be configured as "when the mobile device 101 (the communication module 1012) and the chip card C are in a state where each other can use the first wireless communication protocol P1 Within the first communication range, the processor 1011 of the mobile device 101 can allow the transaction request T of the chip card C to generate a transaction request result T_A, so that the communication module 1012 uses the first wireless communication protocol P1 to update the transaction request T associated with it. Then the card information I_U is written to the chip card C".

In step S3 (when the mobile device cannot allow the transaction request, the application drives the communication module to use the second wireless communication protocol to connect to the back-end server, so that the back-end server determines whether to allow the transaction request). When the mobile device 101 The processor 1011 cannot allow the transaction request T. The application APP can drive the communication module 1012 to use the second wireless communication protocol P2 to communicate with the back-end server 102 through the Internet, so that when the communication module 1012 needs to be connected to In a second mode of the end server 102, the backend server 102 determines whether to allow the transaction request T of the chip card C.

Among them, as an example, the mobile device 101, processor 1011, application program APP, communication module 1012, memory 1013, back-end server 102, chip card C, The functions and aspects of these technical features of the card information I, the first wireless communication protocol P1 and the second wireless communication protocol P2 have been described in the embodiments in Figures 1 and 2, and will not be described again here.

Please refer to Figure 3. In one embodiment, the present invention further provides a non-transitory computer-readable recording medium associated with at least one instruction to define the implementation method S of the aforementioned chip card transaction system, and relevant descriptions of each step. The embodiment shown in Figure 3 has been described in detail and will not be described again here.

Please refer to Figure 3. In one embodiment, the present invention further provides a computer-readable recording medium associated with at least one instruction to define the implementation method S of the aforementioned chip card transaction system. The relevant descriptions of each step have been described in detail. The embodiment shown in Figure 3 will not be described again here.

Please refer to Figure 3. In one embodiment, the present invention further provides a computer program product. When the computer system loads a plurality of instructions of the computer program product, it can at least complete the implementation method of the chip card transaction system as mentioned above. S. Relevant descriptions of each step have been described in detail in the embodiment shown in Figure 3 and will not be repeated here.

Please refer to Figure 4, which is a schematic diagram of a chip card transaction system according to another embodiment (1) of the present invention. The technology is similar to that of the embodiment shown in Figures 1 to 3. Please refer to Figures 1 to 3 together. As can be seen from Figure 3, the main difference is that the transaction request T in this embodiment can be a value-adding request or a debit request. In this embodiment, the application APP can read the card information I including the balance of the card account from the chip card C after driving the communication module 1012 based on the first wireless communication protocol P1 (such as but not limited to the NFC protocol). , in the first mode (i.e., offline state), the processor 1011 allows the recharge request or the debit request of the chip card C, and causes the processor 1011 to generate updated balance data (which belongs to the card account one of the modes of the balance), and causes the communication module 1012 to use the first wireless communication protocol P1 to send the updated balance data associated with the recharge request or the debit request within the first communication range. Write to an electronic wallet account W or a bank account (not shown in the figure) linked to the chip card C. In this way, the mobile device 101 can use the application APP to achieve the function of one-click adding value or deducting money through the APP in the offline state, effectively improving the convenience of real-time transactions with chip cards.

Please refer to Figure 4. In one embodiment, after the transaction is completed, the updated balance data generated by the mobile device 101 can be used by the communication module in the second mode in which the mobile device 101 is connected to the back-end server 102. 1012 is sent to the backend server 102 regularly or irregularly through the second wireless communication protocol P2 for update.

Please refer to Figure 4. In one embodiment, if the transaction request T is the deduction request, the application program APP executed by the mobile device 101 verifies whether the chip card C is based on the card information I in the driver processor 1011. Before the card is valid (that is, before step S1 in Figure 3 is executed), the transaction data of the card information I read from the chip card C by driving the communication module 1012 may at least include: the previous transaction record, all One or a combination of the transaction record and the card transaction serial number. As for other data fields that may be included in the transaction data, they have been mentioned above and will not be described again.

Please refer to Figure 4. In one embodiment, if the transaction request T is the deduction request, the application program APP executed by the mobile device 101 verifies whether the chip card C is based on the card information I in order to drive the processor 1011. When the card is valid (that is, when step S1 in Figure 3 is executed), the communication module 1012 of the mobile device 101 reads the card information I from the chip card C based on the first wireless communication protocol P1. One or a combination of the transaction information, the verification information and the identity information (the types have been mentioned above and will not be repeated here), in this embodiment, may at least include, for example, the card ID, the card Account balance (EV), the previous transaction record, the current transaction record, the card transaction serial number, the card anti-counterfeiting verification code, the card identity, the card expiration date, the county and city The code is for example only and is not limited to this.

Please refer to Figure 4. In one embodiment, if the transaction request T is the value-added request, the application program APP executed by the mobile device 101 verifies whether the chip card C is based on the card information I in the driver processor 1011. Before the card is valid (that is, before step S1 in Figure 3 is executed), the transaction data of the card information I read from the chip card C by driving the communication module 1012 may include at least the previous transaction record, the This transaction record, the card transaction serial number, the bank code, the automatic recharge flag, the recharge transaction amount, and the recharge transaction date. As for other data fields that may be included in the transaction data, they have been mentioned above and will not be described again.

Please refer to Figure 4. In one embodiment, if the transaction request T is the value-added request, the application program APP executed by the mobile device 101 verifies whether the chip card C is based on the card information I in order to drive the processor 1011. When the card is valid (that is, when step S1 in Figure 3 is executed), the communication module 1012 of the mobile device 101 reads the card information I from the chip card C based on the first wireless communication protocol P1. One or a combination of the transaction information, the verification information and the identity information (the types have been mentioned above and will not be repeated here). In this embodiment, it may include, for example, the card ID, the card account Balance (EV), the previous transaction record, the current transaction record, the card transaction serial number, the card anti-counterfeiting verification code, the card identity, the card expiration date, the county and city code , the bank code, the automatic top-up flag, the top-up transaction amount, and the top-up transaction date, but are only examples and are not limited to this.

Please refer to Figure 5, which is a schematic diagram of a chip card transaction system according to another embodiment (2) of the present invention. The technology is similar to that of the embodiment shown in Figures 1 to 3. Please refer to Figures 1 to 3 together. As can be seen from Figure 3, the main difference is that the card management subsystem 1022 of the backend server 102 in this embodiment is used to verify whether the chip card C is a valid card, and the card management subsystem 1022 stores card information corresponding to the chip card C. I', in contrast, the memory 1013 of the mobile device 101 in this embodiment does not store the card information I', or does not store the complete card information I', so the mobile device 101 cannot verify whether the chip card C is valid. Card (that is, when the application APP cannot enable the processor 101 to perform card verification).

Please refer to Figure 5, and please refer to Figures 1 to 3 together. In this embodiment, the application APP uses the first wireless communication protocol P1 to communicate wirelessly with the chip card C in the driver communication module 1012 to from After the chip card C reads the card information I, the application APP needs to drive the communication module 1012 to use the second wireless communication protocol P2 to communicate with the back-end server 102 through the Internet to send at least one card verification request to the back-end. Server 102. Subsequently, the back-end server 102 can compare the received card information I with the card information I' stored in its own memory (not shown in the figure) to verify whether the chip card C is a valid card. . Thereby, after the communication module 1012 receives the card verification result C_V in a second mode that needs to be connected to the backend server 102, the user can confirm the card verification result C_V in the application APP (for example, the card verification is successful).

Please refer to Figure 5 again, and please refer to Figures 1 to 3 together. In this embodiment, the transaction subsystem 1021 of the backend server 102 can also be used to determine whether to allow the transaction request T of the chip card C, and The transaction subsystem 1021 stores the card information I' corresponding to the chip card C; in contrast, the memory 1013 of the mobile device 101 in this embodiment does not store the card information I', or does not store the complete card information I'. , and the transaction request T of the chip card C cannot be allowed (that is, when the application APP cannot let the processor 101 decide whether to allow the transaction request T). More specifically, after the application APP of this embodiment drives the communication module 1012 to use the first wireless communication protocol P1 to perform wireless communication with the chip card C to read the card information I from the chip card C, the application APP then drives The communication module 1012 uses the second wireless communication protocol P2 to communicate with the back-end server 102 through the Internet to send the transaction request T of the chip card C to the back-end server 102. Thereafter, the transaction subsystem 1021 can perform the transaction according to the card. The verification result C_V (whether generated by the mobile device 101 or the card management subsystem 1022 of the backend server 102) and the card information I determine whether to allow the transaction request T. Afterwards, the backend server 102 can at least send a transaction request The result T_A is sent to the communication module 102, so that the communication module 1012 receives the transaction request result T_A in the second mode that needs to be connected to the back-end server 102, and then uses the first wireless communication protocol P1 to update the card information. I_U is written in the chip card C, and allows the user to confirm the transaction request result T_A (for example, transaction permission) in the application APP.

As an example, the mobile device 101 of the present invention can be a portable wireless communication device such as a smart phone, a tablet computer, a wearable device, etc., and the operating system of the mobile device 101 can be an Android system or an iOS system, but this is not the case. limit.

Among them, as an example, the backend server 102 of the present invention can be one or more independent server computers that provide connection services, or a server running in the form of a virtual machine (Virtual Machine), or a virtual dedicated host (Virtual Machine). A server running in the form of Private Server), or a public cloud, or a private cloud, etc., but is not limited to this.

Please refer to Figures 1 to 2. As an example, the application APP of the present invention can be a native application (Native Mobile App) loaded on the mobile device 101, or it can be executed/run on the mobile device 101. A mobile web application (Web Mobile App) or a progressive web application (Progressive Web App, PWA), but are not limited to this.

Among them, as an example, the processor 1011 of the present invention has functions such as logical operations, temporary storage of operation results, and saving of data operation instruction locations. It can include but is not limited to a single processor and the integration of multiple microprocessors. For example, it can include a A central processing unit (CPU), a virtual processor (vCPU), a microprocessor (MPU), a microcontroller (MCU), an application special integrated circuit (ASIC), a programmable logic device (PLD) , a tensor processing unit (TPU), a digital signal processor (DSP), etc., but are not limited to this.

Among them, as an example, the communication module 1012 of the present invention can apply various communication service interfaces. For example, it can integrate a Bluetooth communication unit, a WLAN communication unit, a mobile communication unit, an NFC communication unit, a ZigBee communication unit, a One of a Z-Wave communication unit and a UWB communication unit or any combination thereof. The mobile communication unit can apply 2G, 2.5G, 3G, 3.5G, 4G LTE, 5G wireless communication interfaces, but not This is the limit.

Among them, as an example, the memory 1013 of the present invention can be eMMC (embedded MultiMedia Card) flash memory, UFS (Universal Flash Storage) flash memory, NVMe (NVM Express) flash memory, solid-state drive (solid-state drive). state drive/disk), LPDDR (Low Power Random Access Memory) memory, dynamic random access memory (DRAM) or static random access memory (SRAM), if used as a non-transitory computer, it can After reading the media, the memory 1013 can further store at least one instruction related to the implementation method S of the aforementioned chip card transaction system, and the at least one instruction can be accessed and executed by the processor 1011.

Among them, as an example, the chip card C of the present invention can be a credit card that uses the first wireless communication protocol P1 to perform wireless communication with the mobile device 101, a cash stored-value card, a stored-value card with an electronic payment account, and a spending card. Debit Card, an RFID chip card, a citizen card issued by the county and city government that integrates the function of a stored value card/a senior card/a love card/a love companion card/a digital student ID card, an integrated stored value card issued by the school It is a chip card that functions as a student ID card/a staff identification card or an enterprise-issued identification card that integrates the function of a stored-value card. The chip card C can also be any chip card that complies with the EMV standard.

In summary, it can be seen that after the present invention is implemented, it can at least achieve: within the communication range of the communication module of the chip card and the mobile device, the mobile device is allowed to be in an offline state (or the mobile device determines whether to allow transactions and verifies (When the chip card is valid, there is no need to connect to the back-end server), use the application (APP) to complete offline transactions of the chip card (such as balance top-up/stored value, debit transactions, card swipe transactions) , achieving the beneficial effect that chip card transactions are not limited by time and usage areas, effectively improving the convenience of instant chip card transactions.

The above are only preferred embodiments of the present invention, and are not intended to limit the scope of the present invention. Anyone skilled in the art may make equal changes and modifications without departing from the spirit and scope of the present invention. should be covered by the patent scope of the present invention.

To sum up, the invention has patent requirements such as "industrial applicability", "novelty" and "progressivity"; the applicant has submitted an invention patent application to the Jun Bureau in accordance with the provisions of the Patent Law.

10:Chip card transaction system 101:Mobile device 1011:Processor 1012: Communication module 1013:Memory APP: application C_V: Card verification result T_A: Transaction request result P1: The first wireless communication protocol P2: The second wireless communication protocol C:Chip card T:Transaction request I:Card information I’: Card information I_U:Updated card information W: Electronic wallet account 102:Backend server 1021:Trading subsystem 1022: Card management subsystem S: Implementation method of chip card transaction system S1: In response to the transaction request of the chip card, the application drives the communication module to use the first wireless communication protocol to verify whether the chip card is a valid card. S2: Within the communication range between the chip card and the communication module, the communication module determines whether to allow the card transaction request by the mobile device in a mode that does not require a connection to the Internet. S3: When the mobile device cannot allow the transaction request, the application driver communication module uses the second wireless communication protocol to connect to the back-end server, so that the back-end server determines whether to allow the transaction request.

Figure 1 is a schematic diagram (1) of a chip card transaction system according to an embodiment of the present invention.

Figure 2 is a schematic diagram (2) of a chip card transaction system according to an embodiment of the present invention.

Figure 3 is a flow chart of a chip card transaction method according to an embodiment of the present invention.

Figure 4 is a schematic diagram of a chip card transaction system according to another embodiment (1) of the present invention.

Figure 5 is a schematic diagram of a chip card transaction system according to another embodiment (2) of the present invention.

10:Chip card transaction system

101:Mobile device

1011: Processor

1012: Communication module

1013:Memory

APP: application

P1: The first wireless communication protocol

P2: The second wireless communication protocol

C:chip card

102:Backend server

1021: Transaction subsystem

1022: Card management subsystem

Claims (10)

A mobile device-based chip card transaction system including: A mobile device that executes an application program, which includes a communication module and a processor, the processor is electrically connected to the communication module; and The application is used to drive the communication module to communicate with a chip card using a first wireless communication protocol to read card information from the chip card; wherein When the chip card and the communication module are within a first communication range that can communicate with each other using the first wireless communication protocol, the application is configured to drive the processor to determine whether to allow a communication of the chip card. A transaction request is generated, and a transaction request result is generated, and the communication module uses the first wireless communication protocol to write the updated card information into the chip card within the first communication range. The mobile device-based chip card transaction system of claim 1, wherein the application is used to allow the processor to allow the transaction request in a first mode in which the communication module does not need to be connected to an Internet. The mobile device-based chip card transaction system of claim 1 or claim 2, wherein the transaction request is a value-adding request or a debit request, and the application is allowed by the processor in the first mode The recharge request or the debit request causes the communication module to use the first wireless communication protocol to write updated balance information into an electronic wallet account linked to the chip card. For example, the mobile device-based chip card transaction system of Claim 1 or Claim 2, wherein the application is further used to drive the communication module to send a card verification request to a back-end server using a second wireless communication protocol, The back-end server verifies whether the chip card is valid, so that the communication module receives a card verification result in a second mode that needs to be connected to the back-end server. For example, the mobile device-based chip card transaction system of claim 4, wherein the application is further configured to cause the communication module to use the second wireless communication protocol to send the transaction request to the back-end server, so as to at least rely on the card. The verification result is used to determine whether to allow the transaction request through the Internet routing back-end server, and for the communication module to receive the transaction request result in the second mode, and then use the first wireless communication protocol to The updated card information is written to the chip card. An implementation method of a mobile device-based chip card transaction system, applied to a mobile device and a chip card, including: An application program executed on the mobile device drives a communication module to communicate with the chip card using a first wireless communication protocol in response to a transaction request of the chip card, and reads card information from the chip card; as well as When the chip card and the communication module are within a first communication range that can communicate with each other using the first wireless communication protocol, the application allows the mobile device to decide whether to allow the transaction request of the chip card, And generate a transaction request result, so that the communication module uses the first wireless communication protocol to write the updated card information into the chip card within the first communication range. The implementation method of the mobile device-based chip card transaction system of claim 6, wherein the application allows the transaction request from the mobile device in a first mode in which the communication module does not need to be connected to an Internet. The implementation method of a chip card transaction system based on a mobile device as claimed in claim 6 or claim 7, wherein the application is allowed by the mobile device in the first mode to be a value-added request or a debit request. The transaction request causes the communication module to use the first wireless communication protocol to write updated balance information into an electronic wallet account linked to the chip card. For example, the implementation method of the mobile device-based chip card transaction system of claim 6 or claim 7 further includes the following steps: when the mobile device cannot allow the transaction request, the application drives the communication module to use a second wireless The communication protocol communicates with a back-end server through the Internet, so that in a second mode in which the communication module needs to be connected to the back-end server, the back-end server determines whether to allow the chip card of the transaction request. For example, the implementation method of the mobile device-based chip card transaction system of claim 9 further includes the following steps before the back-end server determines whether to allow the transaction request: the application causes the communication module to use the second wireless communication The protocol sends a card verification request to the backend server, so that the backend server verifies whether the chip card is valid, so that the communication module receives a card verification result in the second mode.