TWI709928B - Online payment method, program product and mobile payment card - Google Patents

Abstract

The embodiment of the present invention discloses an online payment method, program product and mobile payment card. Through the Bluetooth communication channel, an access mechanism and verification mechanism with special arrangements are formed in the online payment process, which makes the online payment The transaction is convenient and it can also provide a secure access and identity verification mechanism, and the specially configured Bluetooth communication module on the mobile payment card brings a user experience with good reliability and a wide range of applications.

Description

Online payment method, program product and mobile payment card

The present invention relates to an online payment method, program product and mobile payment card, and more particularly to an online payment method, program product and mobile payment card for further application through Bluetooth communication technology.

Combining e-commerce and financial systems, today's mobile payment systems are developing faster and faster. Near Field Communication (NFC) technology is a short-range wireless communication technology developed based on the Radio Frequency Identification (RFID) standard. NFC technology is applied to near-end mobile payments.

When a user wants to use mobile payment and uses a mobile communication device to sense a POS system (Point of Sales, point of sales terminal) for payment, the POS system will pass through the NFC chip and NFC antenna and security element (Security Element) in the mobile communication device. ,SE) to communicate, read the data inside the secure element, and then use the voltage amplifier chip in the NFC chip to amplify the response signal generated by the secure element, and then transmit the signal to the POS system through the NFC antenna to complete the authentication process Payment for the action.

In the case of mobile payment cards, in the application of near field communication technology, the SWP-SIM card with the payment interface as the Single Wire Protocol (SWP) is used as the NFC terminal. However, this must be achieved through a complex protocol. Access to the secure element (SE) in the SWP-SIM card, and in different NFC working modes, the standards that must be followed are different, including radio frequency protocols (such as: ISO 14443, 18092), intermediate protocols (such as: various NFC Forum ), application protocols (e.g. regulations between different industries, NFC Forum RTD), other protocols (e.g. ETSI, RTD), etc., as well as related standardization in NFC-SWP terminals Corresponding to the required test standards and test tools, these complex protocols require the joint support of mobile phone manufacturers, mobile phone NFC controller manufacturers, and mobile phone baseband CPU manufacturers. This has led to the current support for SIM card access interfaces in NFC mobile phones The degree is not high.

One purpose of the present invention is to provide a convenient mobile payment channel.

Another object of the present invention is to provide a method, a program product and a mobile payment card without complicated protocol.

Another purpose of the present invention is to improve the reliability and stability of the mobile transaction process.

To achieve the above and other objectives, the present invention provides an online payment method, which is applied to a mobile communication device with Bluetooth communication function and the mobile communication device is equipped with a mobile payment card with Bluetooth communication function. The card also has a secure element, and the method includes: responding to an authentication request procedure of an online payment service providing system, the mobile communication device uses a device-side Bluetooth of the mobile communication device according to a received authentication request packet The communication module wirelessly transmits a corresponding authentication command packet through Bluetooth communication; the Bluetooth communication module on the payment card side of the mobile payment card receives the authentication command packet through Bluetooth communication, and wirelessly uses Bluetooth communication Transmit a correspondingly generated security key packet; enable the device-side Bluetooth communication module of the mobile communication device to receive the security key packet and submit it to the online payment service providing system; enable the mobile communication device to receive the online payment service Provide the authentication result of the system, complete the authentication request procedure after the authentication is successful, and wirelessly transmit a corresponding payment request packet through Bluetooth communication; a payment request procedure that enables the mobile payment card to rely on the payment card’s Bluetooth The payment request packet received by the communication module is used to perform the payment action, and A payment result report packet is wirelessly transmitted by the payment card-side Bluetooth communication module; and the device-side Bluetooth communication module of the mobile communication device receives the payment result report packet to complete the online mobile payment process.

In an embodiment of the present invention, after the authentication of the online payment service providing system is successful and before the payment request packet is generated, at least one of the following additional authentication procedures is further included, and all additional authentication procedures are authenticated The payment request packet is generated after success: a user identification information authentication process is to enable the mobile communication device to obtain a biometric information and compare it with the user biometric information stored in the mobile communication device. After the comparison is successful Initial authentication is successful; and a user password authentication procedure is to enable the mobile communication device to obtain a password information and compare it with the user password information stored in the mobile communication device. After the comparison is successful, the authentication succeeds.

In an embodiment of the present invention, the biometric information includes at least one of the following: user fingerprint information, user face information, user pupil information, and user voiceprint information.

In order to achieve the above and other objectives, the present invention also provides an online payment program product, which is mounted on a mobile communication device, the mobile communication device is equipped with a mobile payment card, the mobile payment card has a secure element, and the program After the product is executed in the mobile communication device, the online payment method described above is executed.

In an embodiment of the present invention, the aforementioned online payment can also be executed in a mobile communication device with a communication function of a selected communication protocol, and the mobile communication device is equipped with a mobile payment card with a communication function of the selected communication protocol . Further, the selected communication protocol may be a wireless fax Wi-Fi transmission protocol or a ZigBee wireless transmission protocol.

In an embodiment of the present invention, the online payment program product is an application program running on an operating system of the mobile communication device.

In order to achieve the above and other objectives, the mobile payment card used in the foregoing method of the present invention includes: a covering material; and a package body for system packaging. The packaging system of the system package is partially covered by the coating material, including: a lower package body with a Bluetooth communication chip and a security element as a user identification chip; an upper package body with a plurality of metal contacts and a Bluetooth antenna circuit, each of the metal contacts is at least partially uncovered by the covering material; and an intermediate layer package body set is located between the upper side of the lower package body and the lower side of the upper package body, the The middle-level package group has at least one middle-level package, the middle-level package has a metal mesh layer and a plurality of wiring connection points, and the area of the metal mesh layer is smaller than at least the upper package body or the lower package body First, the wiring connection points make the upper package body and the corresponding part of the lower package body couple; wherein, the Bluetooth communication chip is coupled to the secure element for the mobile communication device to communicate via Bluetooth The interface accesses the secure element to complete the payment action, and, in the vertical direction of the package, the bluetooth antenna line is arranged in the middle layer package body group and the metal mesh layer overlap area does not exceed the blue 20% of the line area of the bud antenna.

In an embodiment of the present invention, the bluetooth antenna circuit is disposed adjacent to the edge of the upper package body.

In an embodiment of the present invention, the bluetooth antenna line is a straight strip with a twist to form an "L" shape.

In an embodiment of the present invention, the distance between the bluetooth antenna line and the outer edge of the upper package body is between 3.9mm and 4.7mm. It is preferably about 4.3 mm.

In an embodiment of the present invention, the bluetooth antenna circuit does not overlap with the metal mesh layer of the intermediate package group in the vertical direction of the package.

In an embodiment of the present invention, the metal mesh layer is a grid-shaped copper mesh layer.

In an embodiment of the present invention, a near field communication chip, a matching circuit, and a near field communication antenna circuit are further packaged under the lower package body, and the near field communication antenna circuit is coupled to the matching circuit, The matching circuit is coupled to the near field communication chip for the mobile communication device to access the secure element through the Bluetooth communication interface or the near field communication interface to complete the payment operation.

In an embodiment of the present invention, the mobile payment card is used as a user identification module, wherein the metal contacts are a connecting terminal set of the user identification module, and the connecting terminal set has: VCC Terminal, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal.

In an embodiment of the present invention, the power source of the security element is the VCC terminal and the GND terminal, and the VCC terminal and the GND terminal are coupled through the Bluetooth communication chip and the near field communication chip, The power supply of the secure element is controlled by the Bluetooth communication chip or the near field communication chip, and the secure element can be enabled to a high power consumption state when the payment action is performed.

In an embodiment of the present invention, the user identification chip has a separate payment security element and a telecommunication security element, and the payment security element is individually coupled to the Bluetooth communication chip and the near field through different interfaces Communication chip, the telecommunication security element is coupled to a baseband chip of the mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal and the GND terminal.

In an embodiment of the present invention, the near field communication chip is coupled to the Bluetooth communication chip, and the security element is coupled to the security element through a general input/output interface (GPIO) of the Bluetooth communication chip.

In an embodiment of the present invention, the near field communication chip and the Bluetooth communication chip are individually coupled to the security element.

In an embodiment of the present invention, the near field communication antenna line is arranged adjacent to the edge of the lower package and does not overlap with the Bluetooth antenna line in the vertical direction of the package or the overlap area does not exceed the 10% of the area of the Bluetooth antenna line.

In an embodiment of the present invention, the near field communication antenna line and the Bluetooth antenna line do not overlap with the metal mesh layer of the intermediate package group in the vertical direction of the package.

In one embodiment of the present invention, the configuration of the package of the system package is such that when the mobile payment card is installed in the mobile communication device, the near field communication antenna line and the Bluetooth antenna line are in the package The vertical direction does not overlap with the metal mesh element in the mobile communication device, and the near field communication antenna line is adjacent to the side of the mobile communication device.

Accordingly, the online payment method, program product and mobile payment card disclosed in the present invention, when the Bluetooth communication channel is used in the online transaction process, the access of the secure element does not require complicated protocols, and the process is simple and includes The verification mechanism, and the mobile payment card disclosed in the embodiment of the present invention can bring high reliability, connection stability, and reach the application level under the mobile payment card with both near field communication capability and Bluetooth communication capability A wider user experience.

300: Mobile payment card

310: As a security element of the user identification chip

312: Payment Security Element

314: Telecommunications Security Elements

320: Bluetooth communication module

322: Bluetooth communication chip

324: Bluetooth communication antenna line

330: Near Field Communication Module

332: Near Field Communication Chip

334: matching circuit

336: Near Field Communication Antenna Line

350: Cladding

360: Package body of system package

362: Upper package body

3622: contact layer

364: Intermediate package body group

3642: Metal Laying Layer

366: Lower package body

E1: Single wire connection protocol connection terminal (NFC controller)

E2: ISO7816 connector (baseband chip in mobile communication device)

E3: Bluetooth wireless transmission connection terminal (Bluetooth communication module in mobile communication device)

E4: NFC wireless transmission connection terminal (external NFC device)

d1: distance

S102~S112: steps

SE: secure element

BLE: Bluetooth communication module

BLE Chip: Bluetooth communication chip

NFC: Near Field Communication Module

[Figure 1] is a flowchart of an online payment method according to an embodiment of the present invention.

[Figure 2] is a schematic diagram of the data flow process of online payment in an embodiment of the present invention.

[Figure 3] is a structural diagram of a mobile payment card according to an embodiment of the present invention.

[Figure 4] is a structural diagram of a mobile payment card according to another embodiment of the present invention.

[Figure 5] is a structural diagram of a mobile payment card according to another embodiment of the present invention.

[Figure 6] is a structural diagram of a mobile payment card according to another embodiment of the present invention.

[Figure 7] is a schematic cross-sectional view of a mobile payment card according to an embodiment of the present invention.

[Figure 8] is a structural diagram of a package under the mobile payment card according to an embodiment of the present invention.

[Figure 9] is a structural diagram of an intermediate package group of a mobile payment card according to an embodiment of the present invention.

[Figure 10] is a structural diagram of a package on a mobile payment card according to an embodiment of the present invention.

[Fig. 11] is a structural diagram of a package under a mobile payment card according to another embodiment of the present invention.

In order to fully understand the purpose, features, and effects of the present invention, the following specific embodiments are used in conjunction with the accompanying drawings to give a detailed description of the present invention. The description is as follows: In this article, the terms described " "Include, include, have" or any other similar terms are not limited to the elements listed in this article, but may include those that are not explicitly listed but are usually inherent in the element, package, device, or method Other requirements or steps.

In this text, the term "a" is used to describe the element, material, package, etc. This is just for the convenience of description and provides a general meaning to the scope of the present invention. Therefore, unless it is clearly stated otherwise, this description should be understood as including one or at least one, and the singular number also includes the plural number.

In this text, the term “coupled” is used to describe the connection relationship between the described elements, chips, devices and other functional elements or objects, etc., which can represent a direct connection or an indirect connection between the two. The two can include other elements, chips, devices, and other elements or objects used to describe functions, and can simultaneously achieve the functions or actions required by the connection between the two. In addition, the size and size of the blocks in each figure are only indicative, and unless otherwise clearly indicated in the text, they are not a limitation.

The embodiment disclosed herein is applied to a mobile communication device with bluetooth communication function, and the mobile communication device is configured with a mobile payment card with bluetooth communication function. The payment card also has a secure element. In addition, it can also be applied to mobile communication devices with wireless fax Wi-Fi transmission capabilities, ZigBee wireless transmission capabilities, or other wireless transmission capabilities, and the mobile payment card also has corresponding Wi-Fi -Fi transmission capability, ZigBee wireless transmission capability or other wireless transmission capability. The mobile communication device can be a smart phone, a tablet computer, a notebook computer, a personal digital assistant, etc. or an electronic device with similar functions or a device generally referred to as a computer device. The mobile payment card can be a card type SIM (Subscriber Identity Module) card, such as a Mini (mini) SIM card, a Micro (micron) SIM card or a Nano (nano) SIM card.

In one embodiment, the mobile payment card with Bluetooth communication function means that the mobile payment card is equipped with a Bluetooth communication module, and the Bluetooth communication module is coupled with the secure element to allow access to the mobile payment card. The Bluetooth communication module can then have access to the secure element. Most of today's mobile communication devices have built-in Bluetooth communication capabilities, which also makes it possible to establish a communication channel with the secure components in the mobile payment card through the Bluetooth communication chip of the mobile communication device body. In addition, mobile communication devices with Wi-Fi communication functions or ZigBee communication functions are also increasing. The embodiments of the present invention use wireless communication channels commonly found on mobile communication devices and corresponding mobile payment cards. Wireless communication channels to match. Furthermore, the embodiment of this document is a mobile payment process with high convenience and verification mechanism through special design and arrangement on the process.

Please refer to FIG. 1 and FIG. 2. FIG. 1 is a flowchart of an online payment method according to an embodiment of the present invention, and FIG. 2 is a schematic diagram of an online payment data flow process according to an embodiment of the present invention.

As shown in Fig. 1, the process of the online payment method is as follows: S102, responding to an authentication request procedure, wirelessly transmitting a corresponding authentication command packet through Bluetooth communication. The authentication command packet is to be sent to the secure element. In detail, referring to Figure 2, the user can operate the application (APP) installed/installed on the mobile communication device to initiate a transaction (1), that is, generate an online mobile payment behavior, and the initiated transaction will cause the application The program applies to an online payment service providing system and starts a certification request process (2), Then receive an authentication request packet (3) transmitted from the online payment service providing system. After receiving the authentication request packet, the application installed/installed on the mobile communication device parses the authentication request packet and generates an authentication command packet (4) accordingly, and enables one of the mobile communication devices to communicate via Bluetooth The module (that is, the Bluetooth communication module of the mobile device itself) wirelessly transmits the authentication command packet (5) through Bluetooth communication.

The online payment service provision system, for example, is a third-party payment system or a bank payment service system. The third-party payment system has cooperation and connection with the bank. The online payment service provision system described in this article refers to The related system or combination of user verification and payment.

Then, in step S104 of FIG. 1, the mobile payment card receives the authentication command packet in the Bluetooth communication mode and wirelessly transmits a correspondingly generated security key packet. In detail, please refer to Figure 2. One of the payment card-side Bluetooth communication modules of the mobile payment card wirelessly receives the authentication command packet through Bluetooth communication and analyzes it (6), and then transmits the parsed authentication command code To the operating core of the secure component (7), the secure component responds with a secure key code (8). The payment card-side Bluetooth communication module is organized into a secure key packet (9) and is used by the payment card-side Bluetooth The communication module wirelessly transmits the security key packet (10) through Bluetooth communication.

Then, in step S106 of FIG. 1, the device-side Bluetooth communication module of the mobile communication device receives the security key packet and submits it to the online payment service providing system. In detail, referring to Figure 2, the device-side Bluetooth communication module of the mobile communication device receives the security key packet and parses it (11) to submit the security key packet to the online payment service providing system (12).

Then, in step S108 of FIG. 1, the mobile communication device is made to receive the authentication result of the online payment service providing system, and after the authentication is successful, a corresponding payment request packet is wirelessly transmitted by Bluetooth communication. In detail, refer to Figure 2. The online payment service provider system seals the security key according to the received security key. The packet is authenticated. For example, it is used to confirm whether the security key packet matches the one pre-built by the user, and then the authentication result is sent to the mobile communication device (13). After confirming that the authentication is successful (14), the mobile communication device generates a payment request packet (15) correspondingly, and the mobile communication device wirelessly transmits the payment request packet (16) through Bluetooth communication.

Then, in step S110 shown in Figure 1, the payment request procedure is performed. In detail, referring to Figure 2, the mobile payment card submits the payment request packet (17) received by the payment card terminal's Bluetooth communication module to the secure element for payment (18, 19), and borrows The payment card-side Bluetooth communication module wirelessly transmits a payment result report packet (20) generated in response to the secure element to the device-side Bluetooth communication module (21) of the mobile communication device.

Then, in step S112 as shown in Figure 1, the online mobile payment procedure is completed. In detail, referring to Figure 2, the device-side Bluetooth communication module of the mobile communication device receives the payment result report packet (22) and displays the relevant payment result (23) for the user to know.

Wherein, after the authentication in the online payment service providing system in step S108 is successful and before the payment request packet is generated, at least one of the following additional authentication procedures is further included: one is a user identification information authentication procedure 1. One is the user password authentication program. These additional authentication procedures can be executed either or both of them. In the case of both of them, there is no restriction on the order of the two authentication procedures.

The biometric information authentication process enables the mobile communication device to obtain a biometric information, and compare it with the user's biometric information stored in the mobile communication device, and the authentication succeeds after the comparison is successful. For example, the biometric information may include at least one of the following: user fingerprint information (through the fingerprint recognition module of the mobile communication device), user face information (through the camera module of the mobile communication device), and user pupil information (Through the camera module of the mobile communication device), user voiceprint information (transparent Through the radio module of the mobile communication device), that is, the user can pre-build a biometric information or plural biometric information, and the user identification information authentication process can run the authentication of a single biometric information or run a plurality of biometric information. A certification of biometric information.

The authentication procedure of the user identification information enables the mobile communication device to obtain a password information, and compare it with the user password information stored in the mobile communication device, and the authentication is successful after the comparison is successful. In this way, the user's own participation is required through the user authentication process, which can further ensure that the online transaction is a transaction that the user himself knows, and the payment request packet can only be generated after it is passed.

As mentioned above, the program used to execute these methods can be a downloadable program product (such as the application APP in the online mall or the payment service program embedded in the application APP). The mobile communication device with Bluetooth communication function runs on an operating system (mobile operating system, Mobile OS, such as the following operating system names or registered trademarks: Android, iOS, Symbian, Windows Phone and BlackBerry OS), and After the mobile communication device is equipped with a mobile payment card with bluetooth communication function (for example, a mobile payment card with bluetooth transmission function is installed), when the program product is executed, the user's transaction payment confirmation selection is sufficient. Make the mobile communication device and the mobile payment card cooperate to perform the aforementioned method steps, thereby making the payment transaction process simple and including a verification mechanism, without overly complex various agreements, and allowing the supply units in each link of the mobile payment to be able to Quickly, conveniently and effectively put into various applications. The aforementioned program product can also be stored in a computer readable medium, and after the computer readable medium is installed on the computer device, the aforementioned payment method is executed.

Next, please refer to FIG. 3, which is a structural diagram of a mobile payment card according to an embodiment of the present invention. The embodiments shown in FIGS. 3-10 take a nano SIM-sized mobile payment card 300 as an example. As shown in FIG. 3, the mobile payment card 300 is configured with a security element 310 as a user identification chip, a Bluetooth communication chip 322 and Near field communication module 330. The near field communication module 330 has: a near field communication chip 332, a matching circuit 334, and a near field communication antenna line 336. The near field communication antenna line 336 is coupled to the matching circuit 334 and enables near field communication through the matching circuit 334. The energy sent by the NFC IC in the chip 332 can be maximized to the near field communication antenna circuit 336 (modulating the NFC induction signal received from the antenna end). The near field communication chip 332 may include an NFC IC and an LC filter or It adopts NFC Tag Contactless Front-end (NFC TCF). Among them, the bluetooth communication antenna matched with the bluetooth communication chip 322 is not shown in this figure, please refer to FIGS. 6 and 10.

As shown in FIG. 3, the Bluetooth communication chip 322 is coupled to the security element 310, and the near field communication chip 332 is coupled to the Bluetooth communication chip 322. The near field communication chip 332 is connected to the Bluetooth communication chip 322 general-purpose input/output interface (GPIO), such as: using SPI or UART interface to couple to the secure element 310, this embodiment is limited by the specifications of the secure element 310, the secure element 310 is a single Interface, the near field communication chip 332 needs to be coupled to the secure element 310 through the general-purpose input/output interface (GPIO) of the Bluetooth communication chip 322. Generally speaking, it is a secure element with a single interface but with large capacity .

In the example of FIG. 3, the mobile payment card 300 has both a Bluetooth communication chip 322 and a near field communication chip 332, so that the external NFC device as the NFC wireless transmission connection terminal E4 can access the secure element through the near field communication chip 332 310. The NFC controller (not shown) in the mobile communication device can also access the secure element 310 through the SWP terminal (E1) of the mobile payment card 300 through the single-wire connection protocol (SWP). The five pins of C1 (VCC), C2 (RST), C3 (CLK), C5 (GND), C7 (I/O) are the pins of the conventional SIM card. The interface between the SIM card and the NFC chip includes three Line: VCC (C1), GND (C5), SWP (C6). The secure element 310 is coupled to the mobile communication device through the ISO7816 connection terminal E2 Built-in baseband chip (Baseband Processor). The Bluetooth communication chip 322 is used to wirelessly connect the built-in/external Bluetooth wireless transmission connection terminal E3 of the mobile communication device.

In addition, the power source of the secure element 310 can be the VCC terminal and the GND terminal, and the VCC terminal and the GND terminal are coupled through the Bluetooth communication chip 322 and the near field communication chip 332, so that the secure element 310 The power supply is controlled by the Bluetooth communication chip 322 or the near field communication chip 332, so that the secure element 310 can be enabled to a high power consumption state when the payment action is in progress, and the secure element 310 can be in The low power consumption state further saves power consumption.

Next, please refer to FIG. 4, which is a structural diagram of a mobile payment card according to another embodiment of the present invention. In the embodiment of FIG. 4, it is a security element with dual interfaces (including contact interface and non-contact interface) but with small capacity. Therefore, the near field communication chip 332 and the Bluetooth communication chip 322 can be individually coupled The secure element 310.

Next, please refer to FIG. 5, which is a structural diagram of a mobile payment card according to another embodiment of the present invention. In the embodiment of FIG. 5, the aforementioned security element as the user identification chip has a separate payment security element 312 and a telecommunication security element 314. The payment security component 312 is individually coupled to the Bluetooth communication chip 322 and the near field communication chip 332 through different interfaces. The telecommunication security element 314 is coupled to the baseband chip of the mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal and the GND terminal to form an ISO7816 connection terminal E2. The telecommunication security element 314 is coupled to the NFC controller of the mobile communication device through the VCC terminal (C1), the GND terminal (C5), and the SWP terminal (C6) to form a single-wire connection protocol connection terminal E1.

Next, please refer to FIG. 6, which is a structural diagram of a mobile payment card according to another embodiment of the present invention. In the embodiment of FIG. 6, the aforementioned near field communication module 330 is not provided. In FIG. 6, the Bluetooth communication antenna 324 of the Bluetooth communication module 320 is illustrated, which is arranged on the edge of the mobile payment card 300.

Next, please refer to FIG. 7, which is a schematic cross-sectional view of a mobile payment card according to an embodiment of the present invention. The mobile payment card used to run the aforementioned online payment method must integrate the Bluetooth communication module 320 and the secure element 310 as a user identification chip, preferably the near field communication module 330, as shown in Figs. 8-10 Take the integration of the Bluetooth communication module 320, the near field communication module 330 and the security element 310 as a user identification chip as an example.

As shown in FIG. 7, the mobile payment card includes: a covering material 350 and a package body 360 for system packaging. The covering material 350 can be, for example, polyvinyl chloride (PVC), acrylonitrile (ABS) or a combination of plastics, or other materials suitable for configuring SIM cards. The package 360 of the System in Package is different from the traditional SIM card manufacturing process. Instead, an IC package contains a chip or multiple chips, plus passive components, capacitors, resistors, etc. The packaging of any component or more such as connectors and antennas forms a package in which multiple discrete components are directly packaged together, which is similar to the integration of packages.

As shown in FIG. 7, the package 360 includes an upper package 362, a lower package 366 and an intermediate package group 364. The upper package 362 has a plurality of metal contacts and a Bluetooth antenna circuit (see FIG. 10), and each of the metal contacts is at least partially not covered by the covering material 360 to reveal the aforementioned SIM card Pin.

Next, please refer to FIG. 8, which is a structural diagram of a package under the mobile payment card according to an embodiment of the present invention. The lower package 366 has a Bluetooth communication chip 322, a near field communication module 330 and a security element 310 as a user identification chip.

Next, please refer to FIG. 9, which is a structural diagram of an intermediate package group of a mobile payment card according to an embodiment of the present invention. The middle-level package group 364 may include at least one middle-level package, which is mainly used as a layout for the electrical coupling between the upper package 362 and the lower package 366, or as a layout for the upper package 362 and the lower package 366. The layout of the electrical coupling between the components on the lower package 366. The middle layer package body group 364 It is located between the upper side of the lower substrate of the lower package 366 and the lower side of the upper substrate of the upper package 362. The middle-level package has a metal mesh layer 3642 and a plurality of wiring connection points. In FIG. 9, only a region of the metal mesh layer 3642 is used for illustration. The area including the periphery of the metal mesh layer 3642 (that is, calculated as the periphery of the metal mesh layer 3642) is smaller than at least one of the upper package body 362 or the lower package body 366, that is, the metal The area enclosed by the periphery of the mesh layer 3642 is limited within a predetermined range, so that the mobile payment card of an embodiment of the present invention can be packaged into a package and the functions of the components are normal. Wherein, the wiring connection points are used to couple the upper package 362 and the lower package 366, or serve as electrical couplings between the upper package 362 and the components on the lower package 366 The layout. In addition, the metal mesh layer 3642 can provide good heat dissipation effect, and when the mobile payment card is used in a process such as SMT IR reflow, the warpage of the substrate can be controlled within an ideal range, and the metal mesh Layer 3642 can also provide RF high frequency anti-interference effect.

Next, please refer to FIG. 10, which is a structural diagram of a package on a mobile payment card according to an embodiment of the present invention. The upper package body 362 has a contact layer 3622 formed by a plurality of metal contacts and a Bluetooth antenna circuit 324. Each of the metal contacts is at least partially uncovered by the covering material 350 to expose the aforementioned SIM card The pins, such as a connection terminal group of a subscriber identity module (Subscriber Identity Module, SIM), the connection terminal group has: VCC terminal, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal.

As shown in FIGS. 8 to 10, the stacking of these packages is the packaging result of System in Package. The Bluetooth antenna line 324 is arranged adjacent to the edge of the upper package 362. Further, the bluetooth antenna line 324 is a straight strip with a twist and has an "L" shape, wherein the distance between the bluetooth antenna line 324 and the outer edge of the upper package is between 3.9mm and 4.7mm Distance d1.

In one embodiment, the Bluetooth antenna circuit 324 preferably does not overlap with the metal mesh layer 3642 of the intermediate package body group in the vertical direction of the package body 360. In addition, the near field communication antenna The wire line 336 is disposed adjacent to the edge of the lower package 366 and does not overlap with the Bluetooth antenna line 324 in the vertical direction of the package 360 or the overlap area does not exceed 10% of the area of the Bluetooth antenna line 324. %. Furthermore, the near field communication antenna line 336 and the Bluetooth antenna line 324 may not overlap with the metal mesh layer 3642 of the intermediate package group in the vertical direction of the package 360. Wherein, the vertical direction of the package refers to the normal direction on the surface of the sheet-shaped payment card.

Furthermore, the design of the package 360 can be designed according to the internal structural configuration of the mobile communication device to be mounted, that is, the configuration in the package 360 of the system package is such that the mobile payment card 300 is installed When entering the mobile communication device, the near field communication antenna line 336 and the Bluetooth antenna line 324 are not connected to any metal mesh element or metal sheet in the mobile communication device in the vertical direction of the package 360. Overlap, and the position of the near field communication antenna line 336 can be adjacent to the side of the mobile communication device.

In addition, the near field communication antenna circuit 336 can be arranged at other places adjacent to the edge of the lower package 366, as shown in FIG. 11, a structural diagram of the lower package of a mobile payment card according to another embodiment of the present invention. 11 is shown adjacent to the upper edge of the lower package body 366. It should be understood that the near field communication antenna line 336 can also be arranged adjacent to the left edge or the lower edge of the lower package body 366, for example, according to Corresponding arrangements are made corresponding to the internal design of the mobile communication device used, so that when the mobile payment card 300 is installed in the mobile communication device, the near field communication antenna line 336 is reliably directed to the four side edges of the mobile communication device body. Among them, the architecture diagrams shown in FIGS. 8 to 11 show the circuit modules provided on each package for understanding the configuration of the circuit blocks in the embodiment, and do not clarify the overlapping connection mode of the lines.

In summary, the online payment method, program product and mobile payment card disclosed in the present invention require no repetition of access to secure components when the Bluetooth communication channel is used in the online transaction process. Complex protocols, concise flow and include verification mechanism, and the detailed configuration of the package body of the mobile payment card disclosed in the embodiment of the present invention can bring high reliability, improve stability, and have near field communication at the same time With the mobile payment card of capabilities and Bluetooth communication capabilities, a wider user experience at the application level is achieved.

The present invention has been disclosed in a preferred embodiment above, but those skilled in the art should understand that the embodiment is only used to describe the present invention and should not be construed as limiting the scope of the present invention. It should be noted that all changes and substitutions equivalent to this embodiment should be included in the scope of the present invention. Therefore, the protection scope of the present invention should be defined by the scope of the patent application.

S102~S112: steps

Claims (22)

An online payment method is applied to a mobile communication device with bluetooth communication function. The mobile communication device is equipped with a mobile payment card with bluetooth communication function. The mobile payment card also has a secure element. The payment card has a package body encapsulated by the system and a coating material wrapped around the package body. The method includes: responding to an authentication request procedure of an online payment service providing system, and the mobile communication device packages according to a received authentication request packet, A device-side Bluetooth communication module of the mobile communication device wirelessly transmits a corresponding authentication command packet in a Bluetooth communication mode; a package with a system package is used for the mobile communication device to be installed in the mobile communication device The Bluetooth communication module on the payment card side of one of the payment cards receives the authentication command packet by Bluetooth communication, and wirelessly transmits a correspondingly generated security key packet by Bluetooth communication; and makes the device side of the mobile communication device The Bluetooth communication module receives the security key package and submits it to the online payment service providing system. The method according to claim 1, which further comprises: enabling the mobile communication device to receive the authentication result of the online payment service providing system, completing the authentication request procedure after the authentication is successful, and wirelessly transmitting the corresponding one by Bluetooth communication Payment request packet; a payment request procedure that enables the mobile payment card to perform payment operations based on the payment request packet received by the payment card-side Bluetooth communication module, and use the payment card-side Bluetooth communication module Wireless transmission of a payment result report packet; and Make the device-side Bluetooth communication module of the mobile communication device receive the payment result report packet to complete the online mobile payment procedure; wherein, after the online payment service providing system is successfully authenticated and before the payment request packet is generated, At least one of the following additional authentication procedures is included, and the payment request packet is generated after all the additional authentication procedures are successfully authenticated: a user identification information authentication procedure is to enable the mobile communication device to obtain a biometric information, and The biometric information of the user stored in the mobile communication device is compared, and the authentication is successful after the comparison is successful; and a user password authentication procedure is to enable the mobile communication device to obtain a password information and store it with the mobile communication device The user password information is compared, and the authentication is successful after the comparison is successful. The method according to claim 2, wherein the biometric information includes at least one of the following: user fingerprint information, user face information, user pupil information, and user voiceprint information. An online payment method is applied to a mobile communication device with a communication function of a selected communication protocol, and the mobile communication device is equipped with a mobile payment card with a communication function of the selected communication protocol, and the mobile payment card also has a A secure element. The mobile payment card has a package body encapsulated by the system and a coating material wrapped around the package body. The method includes: responding to an authentication request procedure of an online payment service providing system, and packaging according to a received authentication request packet , The communication protocol is selected by one of the mobile communication devices The communication module uses the communication mode of the selected communication protocol to wirelessly transmit a corresponding authentication command packet; select a payment card terminal that has a package with a system package and is used to be installed in the mobile payment card in the mobile communication device The communication protocol communication module receives the authentication command packet in the communication mode of the selected communication protocol, and wirelessly transmits a correspondingly generated security key packet in the communication mode of the selected communication protocol; making the device end of the mobile communication device select communication The protocol communication module receives the security key packet and submits it to the online payment service providing system; causes the mobile communication device to receive the authentication result of the online payment service providing system, completes the authentication request procedure after the authentication is successful, and selects The communication method of the communication protocol wirelessly transmits a corresponding payment request packet; and a payment request program that enables the mobile payment card to perform a payment operation according to the payment request packet received by the communication module of the communication protocol selected by the payment card terminal, And a payment result report packet is wirelessly transmitted by the communication module of the communication protocol selected by the payment card terminal. An online payment program product is mounted on a mobile communication device, the mobile communication device is equipped with a mobile payment card, the mobile payment card also has a secure element, the program product is executed in the mobile communication device, Perform the online payment method described in any one of Claims 1 to 4. The program product described in claim 5 is an application program running on an operating system of the mobile communication device. A mobile payment card used in the method described in any one of claims 1 to 4 or a mobile payment card used in the program product described in claim 5 or 6, comprising: A packaging material; and a package body of a system package, partially covered by the packaging material, including: a lower package body with a Bluetooth communication chip and a security element as a user identification chip; and an upper package body , Having a plurality of metal contacts and a Bluetooth antenna circuit, each of the metal contacts is at least partially not covered by the coating material; and an intermediate layer package body set located on the upper side of the lower package body and the upper side Between the lower side of the package body, the middle layer package body group has at least one middle layer package body, the middle layer package body has a metal mesh layer and a plurality of wiring connection points, and the area of the metal mesh layer is smaller than the upper package At least one of the lower package body or the lower package body, the wiring connection points are used to couple the upper package body and the corresponding part of the lower package body, wherein the Bluetooth communication chip is coupled to the security element for When installed in the mobile communication device, the mobile communication device can access the secure element through the Bluetooth communication interface to complete the payment operation, and, in the vertical direction of the package, the Bluetooth antenna line is arranged in the middle The overlapping area of the metal mesh layer of the layer package body group does not exceed 20% of the Bluetooth antenna line area. The mobile payment card according to claim 7, wherein the bluetooth antenna line is disposed adjacent to the edge of the upper package body. The mobile payment card according to claim 8, wherein the bluetooth antenna line is a straight strip with a twist and is in an "L" shape. The mobile payment card according to claim 9, wherein the distance between the Bluetooth antenna line and the outer edge of the upper package body is between 3.9 mm and 4.7 mm. The mobile payment card according to claim 9, wherein the distance between the Bluetooth antenna line and the outer edge of the upper package is about 4.3 mm. The mobile payment card according to claim 9, wherein the bluetooth antenna circuit does not overlap with the metal mesh layer of the intermediate package body group in the vertical direction of the package body. The mobile payment card according to claim 9, wherein the metal mesh layer is a grid-shaped copper mesh layer. The mobile payment card according to any one of claims 7 to 13, wherein a near field communication chip, a matching circuit and a near field communication antenna line are further packaged under the lower package body, the near field communication antenna The circuit is coupled to the matching circuit, and the matching circuit is coupled to the near field communication chip for the mobile communication device to access the secure element through the Bluetooth communication interface or the near field communication interface to complete the payment action. The mobile payment card described in claim 14 is used as a user identification module, wherein the metal contacts are a connecting terminal set of the user identification module, and the connecting terminal set has: VCC terminals, RST terminal, CLK terminal, I/O terminal, GND terminal and SWP terminal. The mobile payment card according to claim 15, wherein the power source of the secure element is the VCC terminal and the GND terminal, and the VCC terminal and the GND are coupled through the Bluetooth communication chip and the near field communication chip The terminal enables the power supply of the secure element to be controlled by the Bluetooth communication chip or the near field communication chip, and enables the secure element to a high power consumption state when the payment action is in progress. The mobile payment card according to claim 15, wherein the user identification chip has a separate payment security element and a telecommunication security element, and the payment security element is individually coupled to the Bluetooth communication chip and the communication via different interfaces. Near field communication chip, the telecommunication security element is coupled to a baseband processor of the mobile communication device through the VCC terminal, the RST terminal, the CLK terminal, the I/O terminal and the GND terminal. The mobile payment card according to claim 14, wherein the near field communication chip is coupled to the Bluetooth communication chip, and the security element is coupled through a general input/output interface (GPIO) of the Bluetooth communication chip. The mobile payment card according to claim 14, wherein the near field communication chip and the Bluetooth communication chip are individually coupled to the secure element. The mobile payment card according to claim 14, wherein the near field communication antenna line is arranged adjacent to the edge of the lower package body and does not overlap or overlap with the Bluetooth antenna line in the vertical direction of the package body No more than 10% of the area of the Bluetooth antenna line. The mobile payment card according to claim 20, wherein the near field communication antenna line and the Bluetooth antenna line do not overlap with the metal mesh layer of the intermediate package group in the vertical direction of the package. The mobile payment card according to claim 21, wherein the configuration in the package of the system package is such that when the mobile payment card is installed in the mobile communication device, the near field communication antenna line and the Bluetooth antenna line are connected to the The vertical direction of the package is not related to the action The metal mesh elements in the communication device overlap, and the near field communication antenna line is adjacent to the side of the mobile communication device.

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