WO2010022642A1 - Terminal mobile enfc et procédé associé de contrôle de paiement électronique - Google Patents

Terminal mobile enfc et procédé associé de contrôle de paiement électronique Download PDF

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Publication number
WO2010022642A1
WO2010022642A1 PCT/CN2009/073476 CN2009073476W WO2010022642A1 WO 2010022642 A1 WO2010022642 A1 WO 2010022642A1 CN 2009073476 W CN2009073476 W CN 2009073476W WO 2010022642 A1 WO2010022642 A1 WO 2010022642A1
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WO
WIPO (PCT)
Prior art keywords
electronic payment
interface
message
mobile terminal
integrated circuit
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Application number
PCT/CN2009/073476
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English (en)
Chinese (zh)
Inventor
贾倩
Original Assignee
中兴通讯股份有限公司
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Publication of WO2010022642A1 publication Critical patent/WO2010022642A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems

Definitions

  • the present invention relates to communication or, in particular, to an eNFC (Enhanced Near Field Communication) mobile terminal and an electronic payment control method thereof.
  • eNFC Enhanced Near Field Communication
  • IC (Integrated Circuit) cards have been widely used in public transportation, access control, and small electronic payment.
  • eNFC a technical solution in the industry is eNFC, which is a mainstream mobile payment solution in China, and is supported by operators and related terminal manufacturers.
  • eNFC technology is an enhancement and improvement of NFC (Near Field Communication) technology. It is a near-macro wireless communication technology operating at 13.56MHz. It is RFID (Radio Frequency Identification) technology and The convergence of interconnect technologies has evolved.
  • eNFC technology can simulate non-contact IC cards for related applications of electronic payment.
  • Implementing this technology on a mobile terminal requires adding an NFC analog front end chip and an NFC antenna to the terminal, and using a SIM (Subscriber Identity Module) card supporting SWP (Single Wire Protocol).
  • the NFC analog front-end chip communicates with the terminal baseband chip through a UART (Universal Asynchronous Receiver/Transmitter) interface; the NFC analog front-end chip is connected to the C6 pin of the SIM card through a signal line, using the SWP protocol and SIM.
  • the application part of the card communicates; the SIM card is connected to the baseband chip of the terminal through the IS07816 interface.
  • the eNFC is characterized by placing an application related to electronic payment on a SIM card, and processing the electronic payment application by the SIM card.
  • the user cannot flexibly close the electronic payment function of the mobile terminal or reactivate the electronic payment function of the mobile terminal according to the actual needs and actual use of the individual, so that the existing electronic payment of the eNFC mobile terminal lacks security and flexibility.
  • the present invention aims to provide an eNFC mobile terminal and an electronic payment control method thereof to solve the above problem. At least one of the questions.
  • an electronic payment control method for an eNFC mobile terminal comprising the steps of: a universal integrated circuit card accepts a message requesting to turn off or turn on electronic payment; The current state of the single-line protocol interface; when the current state is active, the non-contact front end is requested to save the current work of the single-wire protocol interface or wait for the single-line ten-party interface to complete the current work, and then activate or activate the single-line ten-party interface; When the current state is deactivated or suspended, the single-wire protocol interface is directly deactivated or activated.
  • the message that the universal integrated circuit card accepts to request to turn off or enable the electronic payment specifically includes: the host provides an interface; the host receives an indication from the user to close or turn on the electronic payment through the interface; and the host generates a request to close or enable the electronic payment according to the indication. Message; The host sends the message to the universal integrated circuit card.
  • the universal integrated circuit card accepts the request to close or open the electronic payment message further includes: a verification message; if the verification message is successful, the step of entering the universal integrated circuit card to determine the current state of the single-wire protocol interface; otherwise, the operation is ended.
  • the verification message specifically includes: prompting to input a password; verifying whether the input password is correct; if correct, the risk certificate is successful; if not, the risk certificate message fails.
  • the non-contact front end saves the current work of the single-wire protocol interface or waits for the single-line protocol interface to complete the current work, including: the universal integrated circuit card sends a close or open electronic payment message to the non-contact front end; the non-contact front end saves the current work of the single-wire protocol interface. Or wait for the single-wire protocol interface to complete the current work; the contactless front end sends a close or open electronic payment confirmation message to the universal integrated circuit card.
  • the deactivating or activating the single-wire protocol interface specifically includes: the universal integrated circuit card sends an active command to the mobile terminal: "deactivate” or “activate”; the mobile terminal sends a command to the universal integrated circuit card indicating that the specified operation has been completed.
  • an enhanced near field communication mobile terminal including: a universal integrated circuit card, comprising: an accepting module, configured to accept a message requesting to turn off or turn on electronic payment; For determining the current state of the single-wire protocol interface; the indirect module is configured to request the non-contact front end to save the current work of the single-wire protocol interface or wait for the single-line protocol interface to complete the current work, and then deactivate or activate the single-wire protocol when the current state is active.
  • the enhanced near field communication mobile terminal further includes a host, and the method includes: an interface module, configured to provide an interface, receive an indication from the user to close or turn on the electronic payment through the interface; and create a module, configured to generate the information according to the indication A message requesting to close or open an electronic payment; a sending module for transmitting a message to a universal integrated circuit card.
  • the host further includes: a verification module, configured to verify the message: if the verification message is successful, triggering the determining module to operate; otherwise, the determining module is not triggered.
  • the verification module specifically includes: a prompting module, configured to prompt for a password; and a confirmation module, configured to confirm whether the entered password is correct: if correct, the risk certificate message is successful; if not, the risk certificate message fails.
  • the indirect module is configured to send a close or open electronic payment message to the non-contact front end; the non-contact front end is used to save the current work of the single-wire protocol interface or wait for the single-line protocol interface to complete the current work; and send the shutdown or open to the universal integrated circuit card. Electronic payment confirmation message.
  • the present invention by providing the eNFC mobile terminal with the function of turning off and turning on electronic payment, it is possible to overcome the problem of lack of security and flexibility of the existing eNFC mobile terminal electronic payment, so that the user can rely on the actual needs and actual use of the individual. Flexibly turn off the electronic payment function of the mobile terminal or reactivate the electronic payment function of the mobile terminal.
  • FIG. 1 is a flow chart of an electronic payment control method for an eNFC mobile terminal according to an embodiment of the present invention
  • FIG. 2 is a flow chart of an electronic payment cancellation of an eNFC mobile terminal according to a preferred embodiment of the present invention
  • DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention provides an enhanced near field communication mobile terminal and an electronic payment control method thereof, in view of the problem that the NFC mobile terminal electronic payment lacks security and flexibility in the related art.
  • the processing principle of the method is: the universal integrated circuit card accepts a message requesting to close or open the electronic payment; the universal integrated circuit card judges the current state of the single-wire protocol interface; when the current state is active, requests the non-contact front end to save the single-wire protocol interface After the current work or waiting for the single-wire protocol interface to complete the current work, then activate or activate the single-wire protocol interface; when the current state is deactivated or suspended, directly activate or activate the single-wire protocol interface.
  • the user can flexibly turn off the electronic payment function of the mobile terminal or reactivate the electronic payment function of the mobile terminal according to the actual needs and actual use of the individual.
  • FIG. 1 is a flowchart of an electronic payment control method of an eNFC mobile terminal according to an embodiment of the present invention, as shown in FIG.
  • the method includes the following steps: Step S10, the UICC (Universal Integrated Circuit Card) accepts a message requesting to close or enable the electronic payment; Step S20, the UICC determines the current state of the SWP interface; If the dog state is activated, proceed to step S30, request CLF (contactless frontend) to save the current work of the SWP interface or wait for the SWP interface to complete the current work; Step S40, deactivate or activate the SWP interface; if the current state is deactivated Or suspend, then directly proceeds to step S40.
  • Step S10 the UICC (Universal Integrated Circuit Card) accepts a message requesting to close or enable the electronic payment
  • Step S20 the UICC determines the current state of the SWP interface; If the dog state is activated, proceed to step S30, request CLF (contactless frontend) to save the current work of the SWP interface or wait for the SWP interface to complete the current work; Step S40, deactivate or activate the SWP interface; if the current state is deactivated Or
  • the electronic payment control method provides the eNFC mobile terminal with the function of closing and opening the electronic payment, so that the existing eNFC mobile terminal electronic payment lacks security and flexibility, and the user can
  • the mobile terminal electronic payment function can be flexibly turned off or the mobile terminal electronic payment function can be reactivated.
  • the step S10 specifically includes: the host provides an interface; the host receives an indication from the user to close or turn on the electronic payment through the interface; the host generates a message requesting to close or enable the electronic payment according to the indication; the host sends the message to the UICC.
  • the user can conveniently operate the mobile terminal through an interface (for example, a menu interface).
  • step S10 specifically includes: verifying the message; if the verification message is successful, entering the UICC to determine the current state of the S WP interface; otherwise, ending the operation.
  • the verification message specifically includes: prompting to input a password; verifying whether the input password is correct; if correct, the risk certificate is successful; if not, the risk certificate message fails.
  • the step S30 specifically includes: the UICC sends a close or open electronic payment message to the CLF; the CLF saves the current work of the SWP interface or waits for the SWP interface to complete the current work; the CLF sends a close or open electronic payment confirmation message to the UICC.
  • the deactivating or activating the SWP interface specifically includes: the UICC sends an active command to the mobile terminal: “deactivate” or “activate”; the mobile terminal sends a command to the UICC indicating that the specified operation has been completed, for example, "TERMINAL RESPONSE”"Command.
  • 2 is a flowchart of an eNFC mobile terminal closing an electronic payment according to a preferred embodiment of the present invention, where 1 is a mobile terminal, 2 is a UICC card, and 3 is a CLF.
  • Step S201 A user sends through the mobile terminal 1 "Close electronic payment message" to UICC card 2;
  • Step S202 mobile terminal 1 waits for user confirmation and password; if the user does not confirm or the password does not pass, proceeds to step S203': mobile terminal 1 rejects Sending a message to the UICC card 2, exiting the program; if the user confirms and the password is passed, proceeding to step S203: the UICC card 2 determines the current state of the SWP interface, and if it is currently in the "active" state, the next step is to proceed to step 204; If it is in the "suspended state" or "deactivated state", steps S204 and S205 are skipped, and the process proceeds directly to step S206.
  • Step S204 the UICC card 2 sends a "close electronic payment request" message to the CLF 3, in the process, the CLF 3 should perform an appropriate save operation on the current processing and data or wait for the current operation to be completed; step S205, the CLF 3 sends the message to the UICC card 2 "Close electronic payment confirmation"message; Step S206, UICC card 2 sends an active command "deactivate" to mobile terminal 1
  • the "deactivate” command is not currently a command defined in the ETSI standard, but can be enhanced into the ETSI TS 102.223 standard. This command is used to request the terminal to activate a specified interface, for example, SWP interface or UICC- USB interface, etc. If the terminal is deactivated or the interface is in the "deactivated” state, the terminal shall return a "Host Response” command.
  • the "DEAVTIVE" command can be defined as follows:
  • FIG. 3 is a flowchart of an ENFC mobile terminal activating an electronic payment according to a preferred embodiment of the present invention.
  • 1 is a mobile terminal
  • 2 is a UICC card
  • 3 is a CLF.
  • Step S301 The user sends the mobile terminal 1 through the mobile terminal 1 "Activating the electronic payment message" to the UICC card 2; Step S302, the mobile terminal 1 waits for the user confirmation and the password; if the user does not confirm or the password does not pass, proceeds to step S303': the mobile terminal 1 refuses to send a message to the UICC card 2, exits If the user confirms and the password passes, proceed to step S303: the UICC card 2 determines the current state of the SWP interface, and if it is currently in the "active" state, the next step will proceed to step S304; if it is currently in the "suspended state" or " In the deactivated state, steps S304 and S305 are skipped, and the process proceeds directly to step S306.
  • Step S304 the UICC card 2 sends an "Activate Electronic Payment Request” message to the CLF3.
  • the CLF 3 should perform an appropriate save operation on the current processing and data or wait for the current operation to be completed;
  • Step S305 the CLF 3 sends the message to the UICC card 2"
  • the electronic payment confirmation "message is activated”; in step S306, the UICC card 2 sends an active command "active" command to the mobile terminal 1.
  • the "ACTIVE" command is not currently a command defined in the ETSI standard, but can be added to the revised version of the ETSI TS 102.223 standard.
  • the "Host Response” command is used to respond to the "Activate” command, indicating that the SWP interface has been “activated”.
  • the user can flexibly activate the electronic payment function of his own ENFC-enabled mobile terminal.
  • a computer readable medium having stored thereon computer executable instructions for causing a computer or processor to perform, for example, when executed by a computer or processor.
  • the processing of the steps shown in FIGS. 1 to 3 preferably, one or more of the above-described respective method embodiments may be performed.
  • Apparatus Embodiments According to an embodiment of the present invention, an enhanced near field communication mobile terminal is provided, the eNFC mobile terminal comprising:
  • the UICC includes: an accepting module, configured to accept a message requesting to close or open the electronic payment; a determining module, configured to determine a current state of the SWP interface; and an indirect module, configured to request the CLF to save the SWP when the current state is active The current working of the interface or waiting for the SWP interface to complete the current work, then deactivate or activate the SWP interface; the direct module is used to directly deactivate or activate the SWP interface when the current state is deactivated or suspended;
  • the SWP interface is used as an interface between the CLF and the UICC for deactivation or activation to turn off or enable electronic payment.
  • the CLF has a contactless communication function for saving the current work of the SWP interface.
  • the host in the UICC includes: an interface module, configured to provide an interface, receive an indication from the user to close or open the electronic payment through the interface; and create a module, configured to generate a message requesting to close or enable the electronic payment according to the indication
  • a sending module for sending a message to the UICC.
  • the user can conveniently operate the mobile terminal through an interface such as a menu interface.
  • the host further includes: a verification module, configured to verify the message: if the verification message is successful, triggering the determining module to operate; otherwise, the determining module is not triggered.
  • the verification module specifically includes: a prompting module, configured to prompt for a password; and a confirmation module, configured to confirm whether the entered password is correct: if correct, the risk certificate message is successful; if not, the risk certificate message fails.
  • the indirect module is configured to send a closed or open electronic payment message to the CLF; the CLF is used to save the current working of the SWP interface or wait for the SWP interface to complete the current work; and to the UICC Send Close or turn on the electronic payment confirmation message.
  • the implementation of the present invention does not modify the system architecture and the current processing flow, is easy to implement, facilitates promotion in the technical field, and has strong industrial applicability.
  • the above modules or steps of the present invention can be implemented by a general-purpose computing device, which can be concentrated on a single computing device or distributed over a network composed of multiple computing devices.
  • the invention is not limited to any specific combination of hardware and software.
  • the above is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and various modifications and changes can be made to the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the scope of the present invention are intended to be included within the scope of the present invention.

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Abstract

Un procédé de contrôle de paiement électronique, qui est utilisé pour un terminal mobile de communication en champ proche amélioré (eNFC), est fourni dans la présente invention. Le procédé comprend les étapes suivantes : une carte universelle à circuit intégré (UICC) reçoit un message de demande destiné à fermer ou à ouvrir le paiement électronique ; l'UICC évalue l'état actuel d'une interface de protocole à un seul fil (SWP) ; lorsque l'état actuel est « activé », un frontal sans contact (CLF) est requis pour stocker le travail actuel de l'interface SWP ou pour attendre que l'interface SWP termine le travail actuel et ensuite l'interface SWP est activée ou désactivée ; lorsque l'état actuel est « désactivé » ou « arrêté », l'interface SWP est directement désactivée ou activée. Un terminal mobile eNFC est également fourni dans la présente invention. L'invention permet à un utilisateur de fermer ou de réactiver de manière souple la fonction de paiement électronique du terminal mobile selon un besoin réel individuel et une condition d'utilisation réelle.
PCT/CN2009/073476 2008-08-29 2009-08-25 Terminal mobile enfc et procédé associé de contrôle de paiement électronique WO2010022642A1 (fr)

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CN2008102148332A CN101393666B (zh) 2008-08-29 2008-08-29 eNFC移动终端及其电子支付控制方法
CN200810214833.2 2008-08-29

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US8068011B1 (en) 2010-08-27 2011-11-29 Q Street, LLC System and method for interactive user-directed interfacing between handheld devices and RFID media
CN102946471A (zh) * 2012-10-23 2013-02-27 深圳桑菲消费通信有限公司 一种nfc移动终端及其实现方法

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CN101393666B (zh) * 2008-08-29 2011-08-24 中兴通讯股份有限公司 eNFC移动终端及其电子支付控制方法
CN101727705B (zh) * 2008-10-23 2012-06-06 中兴通讯股份有限公司 电子支付应用关闭和开启的方法
CN103152080B (zh) * 2009-02-26 2015-12-23 中兴通讯股份有限公司 支持增强型近场通信的终端及其处理方法
CN102103683A (zh) * 2009-12-17 2011-06-22 中兴通讯股份有限公司 Nfc移动终端的卡模拟应用的实现方法及其装置
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CN104184699B (zh) * 2013-05-21 2018-06-22 中国银联股份有限公司 安全性信息交互系统、设备和方法
CN104219196B (zh) 2013-05-29 2018-12-18 腾讯科技（深圳）有限公司 业务锁定方法、业务解锁方法、装置及系统

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CN102946471A (zh) * 2012-10-23 2013-02-27 深圳桑菲消费通信有限公司 一种nfc移动终端及其实现方法

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