WO2010102488A1 - 一种非接触电子支付中实现应用选择的方法及终端 - Google Patents

一种非接触电子支付中实现应用选择的方法及终端 Download PDF

Info

Publication number
WO2010102488A1
WO2010102488A1 PCT/CN2009/074219 CN2009074219W WO2010102488A1 WO 2010102488 A1 WO2010102488 A1 WO 2010102488A1 CN 2009074219 W CN2009074219 W CN 2009074219W WO 2010102488 A1 WO2010102488 A1 WO 2010102488A1
Authority
WO
WIPO (PCT)
Prior art keywords
application
electronic payment
manual selection
select
card
Prior art date
Application number
PCT/CN2009/074219
Other languages
English (en)
French (fr)
Inventor
马景旺
贾倩
Original Assignee
中兴通讯股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Publication of WO2010102488A1 publication Critical patent/WO2010102488A1/zh

Links

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

Definitions

  • the present invention relates to Near Field Communication (NFC) technology, and more particularly to a method and terminal for implementing application selection in contactless electronic payment.
  • NFC Near Field Communication
  • Integrated circuit (IC, Integrate Circuit) cards have been widely used in public transportation, access control, and small-scale electronic payment after more than ten years of development.
  • mobile terminals have experienced rapid development over the past two decades, and have been widely popular among residents, bringing great convenience to people's work and life.
  • Mobile terminals are becoming more powerful and have a tendency to integrate more features.
  • Combining mobile terminals with non-contact IC card technology, enabling mobile terminals to be used in the field of electronic payment, will further expand the use of mobile terminals, bring more convenience to people's lives, and have broad application prospects.
  • the mobile terminal After adding support for the contactless IC card on the mobile terminal, the mobile terminal can be simulated as a non-contact IC card, and can interact with the contactless card reader of the payment system to realize contactless electronic payment.
  • eNFC enhanced Near Field Communication
  • the eNFC solution is an enhancement and improvement of the Near Field Communication (NFC) scheme. It is a short-range wireless communication technology operating at 13.56 MHz. It is a fusion of radio frequency identification (RFID) technology and interconnection technology. It has evolved.
  • NFC Near Field Communication
  • NFC analog front end CMF, Contactless Front-end
  • NFC antenna NFC analog front end
  • SWP single wire protocol
  • the card may be a SIM (Subscriber Identity Module) card, or a User Identity Model (UIM) card, or a User Service Identity Module (USIM) card.
  • SIM Subscriber Identity Module
  • UIM User Identity Model
  • USIM User Service Identity Module
  • the RFID protocols supported by the NFC analog front-end chip include ISO 14443 Type A/Type B, Felica, IS015693, and so on.
  • the NFC analog front-end chip and the NFC antenna in the mobile terminal implement a contactless communication function, and can communicate with an external contactless card reader according to the RFID protocol.
  • the NFC analog front-end chip can communicate with the main processor of the mobile terminal through a Universal Asynchronous Receiver/Transmitter (UART) interface; the NFC analog front-end chip passes a signal line and a mobile user card.
  • the C6 pin is connected, and the SWP is used to communicate with the application part of the mobile user card; the mobile user card is connected to the main processor of the mobile terminal through the IS07816 interface, and the connection uses the reset (Reset) and the clock (CLK) of the mobile user card.
  • the input/output (10) pins can correspond to the C2, C3, and C7 pins, respectively.
  • eNFC is characterized by storing and executing electronic payment applications in mobile user cards, and storing and executing electronic payment applications by mobile user cards.
  • the NFC analog front end chip in the mobile terminal can establish communication with the contactless card reader according to the RFID protocol, and transmit the instruction sent by the contactless card reader to the mobile terminal.
  • the mobile user card processes the electronic payment related instructions by the mobile user card, and the response information returned after the mobile user card processing instruction can be sent to the contactless card reader through the NFC analog front end chip.
  • the eNFC solution can support the terminal power-down mode by connecting the power supply (VCC) of the mobile subscriber card, that is, the C1 pin to the NFC analog front-end chip.
  • VCC power supply
  • the NFC analog front-end chip and the mobile user card acquire energy through the NFC antenna, and can also work in the card emulation mode when the mobile terminal is dead, and interact with the external non-contact card reader to complete the electronic payment. .
  • the NFC solution Similar to the eNFC solution, the NFC solution also needs to add NFC analog front-end chips and NFC antennas.
  • the supported RFID protocols include ISO 14443 Type A/Type B, Felica, and IS015693.
  • the NFC analog front-end chip can be connected to the main processor of the mobile terminal through the UART interface, and the main processor of the mobile terminal controls the function of the NFC analog front-end chip.
  • the NFC solution differs from the eNFC solution in that instead of using a mobile subscriber card to store an electronic payment application, the NFC solution uses a security chip integrated on the mobile terminal or a pluggable memory card, such as a MicroSD memory card.
  • the security chip provides an operating environment for electronic payment, a security chip and an NFC analog front end chip. Communication takes place via the S2C interface (sign-in/signal-out communication interface).
  • the NFC analog front end chip in the mobile terminal can establish communication with the contactless card reader according to the RFID protocol, and transmit the instruction sent by the contactless card reader to the mobile terminal.
  • the security chip processes the electronic payment related instructions by the security chip, and the response information returned by the security chip after processing the instructions can be sent to the contactless card reader through the NFC analog front end chip.
  • the mobile terminal needs to integrate a card slot that can support the memory card, and the card slot provides a plurality of pins, and the memory card provides an operating environment for electronic payment.
  • the mobile terminal supplies power to the memory card through the pin of the card slot; the memory card is connected to the NFC analog front end chip through a part of the pin slot of the card slot to establish communication; the memory card is connected to the main processor of the mobile terminal through a part of the pin slot of the card slot,
  • the mobile terminal main processor manages the memory card through the connection.
  • the NFC analog front end chip in the mobile terminal can establish communication with the contactless card reader according to the RFID protocol, and transmit the instruction sent by the contactless card reader to the mobile terminal.
  • the memory card processes the electronic payment related instructions by the memory card, and the response information returned by the memory card processing instruction can be sent to the contactless card reader through the NFC analog front end chip.
  • eNFC is basically similar to the NFC solution, and can be used to store electronic payment applications using mobile user cards, memory cards or security chips.
  • mobile user cards, memory cards, and security chips are all in the category of smart cards.
  • a mobile terminal When a mobile terminal implements contactless electronic payment, it can simultaneously support multiple electronic payment applications.
  • Smart cards comply with the technical requirements of the Global Platform Card Specification V2.2 specification and can support multiple applications.
  • Electronic payment applications from different application providers can be stored in different security domains of smart cards, logical isolation between security domains, and different electronic payments. The storage and operation of the application do not interfere with each other, thus providing a secure operating environment for each electronic payment application.
  • Java cards have become the trend of smart cards, smart cards can use the Java card specification, and electronic payment applications running in smart cards can achieve platform independence.
  • the electronic payment application developed according to the Java Card technical specification can run in the Java card of different smart card manufacturers, which brings great technical advantages for the promotion of electronic payment applications.
  • the smart card when the mobile terminal supports contactless electronic payment, the smart card generally complies with the Java card technical specification, and the electronic payment application can be written in the Java language and conforms to the Java card technical specification.
  • Each electronic payment application has a unique application identifier (AID, Application ID), and the AID is a Registered Application Provider Identifier (RID) and a Proprietary Application Identifier Extension (PIX) code.
  • AID application identifier
  • RID Registered Application Provider Identifier
  • PIX Proprietary Application Identifier Extension
  • the electronic payment application in the smart card can be preset in the smart card when the smart card is issued, or the electronic payment application can be downloaded and installed into the smart card from the remote server through the mobile communication network after the smart card is issued.
  • the information about the electronic payment application is registered in the registry of the smart card, and the registration information may include the application name, the AID, and the application status.
  • the mobile terminal After the mobile terminal enters the working area of the contactless card reader of the electronic payment system, the mobile terminal establishes communication with the contactless card reader, and the contactless card reader sends an application selection (SELECT) command to the mobile terminal to select the electronic payment application.
  • the AID parameter specified in the SELECT instruction is part of the complete AID or AID.
  • the smart card processes the SELECT command to determine whether there is an electronic payment application corresponding to the AID parameter in the stored electronic payment application; if present, the smart card selects the corresponding electronic payment application, and then the contactless card reader is processed by the selected electronic payment application.
  • the electronic payment related instruction is sent to complete the specific electronic payment application, and if not, terminate the communication with the contactless reader.
  • the choice of electronic payment application can be achieved through the AID parameter.
  • the contactless reader selects the electronic payment application by the AID parameter contained in the SELECT command, and the smart card processes the SELECT instruction and returns the response information.
  • the format of the SELECT instruction and response information conforms to the Global Platform Card Specification V2.2 "11.9 SELECT Command". Requirements.
  • the smart card forwards the electronic payment related instruction sent by the external contactless card reader to the selected electronic payment application, and the selected electronic payment application processes the electronically sent by the contactless card reader. Pay the relevant instructions.
  • the choice of electronic payment application is generally defined by the explicit selection method, and the explicit selection is specified in the Global Platform Card Specification V2.2 "6.4 Logical Channels and Application Selection".
  • the smart card searches the smart card's registry for the presence of the SELECT command based on the AID parameter in the SELECT instruction.
  • Sub-payment application where the electronic payment application in the locked state will not be selected. If there is an electronic payment application that satisfies the SELECT instruction, the smart card selects the corresponding electronic payment application, and then the selected electronic payment application processes the electronic payment related instruction sent by the contactless card reader, thereby completing the specific electronic payment application, if not present , terminates communication with the contactless reader.
  • the contactless card reader supports multiple electronic payment applications stored by the smart card at the same time.
  • the AID parameter contained in the SELECT command sent by the contactless reader when selecting an electronic payment application may be part of the AID to select a type of electronic payment application supported by the contactless reader. In this case, it is possible that a plurality of electronic payment applications in the smart card can satisfy the requirements of the SELECT instruction sent by the contactless card reader, and the electronic payment application selected by the explicit selection method may not meet the user, ie, payment. The will of the person.
  • the smart card of the mobile terminal stores the electronic payment application A and the electronic payment application B, and the contactless card reader of the electronic payment system supports both the electronic payment application A and the electronic payment application B; the user uses the mobile terminal to perform electronic payment.
  • the smart card may select the electronic payment application A to perform electronic payment, and the user may wish to perform electronic payment through the electronic payment application B, thereby causing the problem that the result of the electronic payment application selection is inconsistent with the user's expectation. .
  • the main object of the present invention is to provide a method and terminal for implementing application selection in contactless electronic payment, so that the result of electronic payment application selection is consistent with the user's expectation.
  • a method for implementing application selection in contactless electronic payment comprising: receiving, by the terminal, an application selection SELECT instruction, determining whether there is a manual selection application, and if so, determining whether the existing manual selection application meets the requirements of the application selection SELECT instruction If yes, select the manual selection application for electronic payment.
  • the step of determining whether there is a manual selection application comprises: A reading application setting information, if there is setting information, determining that there is a manual selection application; if not, determining that the application does not exist Manually select an application.
  • the application setting information is a set application identifier AID variable
  • the step A includes: reading the set application identifier AID variable, determining whether the application identifier AID variable records the AID of the manual selection application, and if there is a record, determining that there is a manual selection application; if there is no record, determining There is no manual selection application.
  • the application setting information is stored in a smart card of the terminal.
  • the method further comprises: performing selection of the electronic payment application in an explicitly selected manner.
  • the step of determining whether the manually selected application meets the requirements of the application selection SELECT instruction comprises: comparing the AID of the manually selected application with the AID parameter carried in the SELECT instruction, and determining whether the AID can match the AID parameter. If it can match, the manual selection application meets the requirements of the SELECT instruction; if it cannot be matched, the manual selection application does not meet the requirements of the SELECT instruction.
  • the AID parameter is: a complete AID, or part of the AID content.
  • the method further includes: performing selection of the electronic payment application in an explicitly selected manner; or terminating communication with the external contactless card reader.
  • the method further includes: setting an effective manner of manually selecting the application;
  • the method further includes: the terminal determining, according to the effective manner of the manual selection application, that the manual selection application is currently invalid, and canceling the setting of the manual selection application.
  • the valid mode is stored in a smart card of the terminal.
  • the valid mode is: one time is valid, or is always valid.
  • the present invention also provides a terminal for implementing application selection in a contactless electronic payment, the terminal comprising: a receiving unit, a default application determining unit, and a matching unit, where
  • the receiving unit is configured to receive a SELECT instruction
  • the default application determining unit is configured to determine whether there is a manual selection application, if present, Trigger matching unit;
  • the matching unit is configured to determine whether the manual selection application meets the requirements of the SELECT instruction, and if so, select the manual selection application that meets the requirements of the SELECT instruction to perform electronic payment.
  • the terminal further includes: an explicit selection unit configured to select an electronic payment application that meets the requirements of the SELECT instruction according to an explicit selection manner; and/or an electronic payment unit configured to perform electronic payment through the electronic payment application .
  • the terminal receives the SELECT instruction, determines that there is a manual selection application, determines that the manual selection application meets the requirements of the SELECT instruction, and selects a manual selection application that meets the requirements of the SELECT instruction, so that the terminal stores multiple electronic payment applications.
  • one or more electronic payment applications may be selected for electronic payment according to the user's wishes; further, the terminal may still support the existing explicit selection method to select an electronic payment application, thereby perfecting the electronic payment selected by the terminal. Application plan.
  • the user selects the application desired by the user, which greatly improves the user's satisfaction with the electronic payment service and enhances the user's business experience.
  • FIG. 2 is a schematic structural diagram of a terminal for implementing application selection in contactless electronic payment according to the present invention.
  • FIG. 1 is a flowchart of implementing application selection in contactless electronic payment according to the present invention. As shown in FIG. 1 , a specific processing process for implementing application selection in contactless electronic payment includes the following steps:
  • Steps 101 to 102 The terminal receives the SELECT command to determine whether there is a manual selection application. If yes, step 103 is performed; if not, the electronic payment application that meets the requirements of the SELECT instruction is explicitly selected to perform electronic payment, that is, Determining whether there is an electronic payment application corresponding to the AID parameter in the stored electronic payment application, if present, selecting a corresponding electronic payment application, and then processing the electronic payment related instruction sent by the contactless card reader by the selected electronic payment application, if not If it exists, the communication with the contactless reader is terminated, and the flow of course ends.
  • Place The manual selection application refers to one or more default electronic payment applications manually selected by the user in the electronic payment application stored in the terminal.
  • Determining whether there is a manual selection application can be implemented by reading the application setting information. If the setting information is present, the application setting information can be read, determining that there is a manual selection application; if not, the application setting information cannot be read. Then it is determined that there is no manual selection application.
  • the application setting information is setting information of the manual selection application, and is used to indicate whether the manual selection application is currently set.
  • Step 103 The terminal determines whether the manual selection application meets the requirements of the SELECT instruction. If the requirements are met, step 104 is performed; if the requirements are not met, step 105 is performed.
  • Step 104 The terminal selects the manual selection application that meets the requirements of the SELECT instruction to perform electronic payment, and then ends the current process.
  • Step 105 The terminal terminates communication with the contactless card reader. That is to say, only the electronic payment application selected by the user can be selected as the specific application of the current electronic payment, and other electronic payment applications cannot be selected. In addition, after determining that the manual selection application does not meet the requirements of the SELECT instruction, the terminal may also electronically pay by explicitly selecting an electronic payment application that meets the requirements of the SELECT instruction.
  • the terminal involved in the present invention can simultaneously support the manual selection of the user while supporting the explicit selection; and in the case where the manual selection application exists, the manual selection of the user is prioritized.
  • the terminal determines whether the current manual selection application meets the requirements of the SELECT instruction according to the AID parameter included in the SELECT command, and if it meets the requirements, selects The electronic payment application is electronically paid; if it does not meet the requirements, the selection failure may be returned to the contactless card reader, and the communication with the contactless card reader is terminated.
  • the terminal can provide an input interface to the user through the terminal, and the user can manually select the application setting, that is, store the The electronic payment application in the terminal selects; the setting of the manual selection application can also be canceled through the input interface; and even the manually selected setting information of the electronic payment application stored in the terminal can be viewed.
  • the manual selection application generally only needs to perform one or several electronic payment in actual use, it is also possible to further set an effective manner of manually selecting an application through the input interface.
  • the manual selection application can be set to be always valid or valid once. Setting the manual selection application to always active means that the manual selection application is always set to the default electronic payment application until the setting corresponding to the manual selection application is canceled. Setting the manual selection application to be active once means setting the number of times the manual selection application is used as the default electronic payment application to only one time.
  • the terminal When the effective mode is valid once, after the corresponding manual selection application is selected by the contactless card reader, the terminal will automatically cancel the setting of the manual selection application corresponding to the electronic payment application according to a valid effective manner, and the subsequent electronic payment processing process The corresponding electronic payment application will no longer be used as a manual selection application, ie a default electronic payment application.
  • the terminal When the terminal supports manual selection by the user, it can support an effective mode that is always valid or effective once, or both of them can be supported.
  • the terminal pair is always active and valid at one time. Determine the effective way to manually select the application by selecting the corresponding setting option in the input interface.
  • the smart card for the storage electronic payment application may be a mobile user card, a pluggable memory card, or a security chip integrated on the terminal.
  • smart cards provide a secure, open operating environment for electronic payment applications.
  • the mobile user card can be a SIM card, a UIM card or a USIM card depending on the usage. In the following description of the embodiments, only the USIM card is taken as an example.
  • the mobile user card is a SIM card or a UIM card, or the smart card is a security chip or a pluggable memory card, the following description may also be used.
  • the program used used.
  • the USIM card can use Java Card technology and comply with the technical requirements of the Global Platform Card Specification V2.2.
  • the USIM card includes the Java Card Runtime Environment (JCRE).
  • JCRE includes Java Card Virtual Machine (JCVM, Java Card Virtual Machine), Java Card Framework and API, and card provider-specified extension interfaces.
  • the electronic payment application is based on the javacard.framework.Applet class library and needs to implement the security defined in the "Runtime Environment Specification for the Java Card Platform, Version 2.2.2". Install , register , select , deselect , process ( rocess ) .
  • Each electronic payment application has a unique AID consisting of a registered RID and a PIX, and the AID encoding specification conforms to the requirements of ISO/IEC 7816-5 Identification cards-Integrated circuit cards-Part 5 egistration of application providers:2004.
  • the USIM card supports multi-electronic payment applications, and multiple electronic payment applications can be installed on the USIM card.
  • the electronic payment application can be pre-installed on the USIM card, or the electronic payment application can be downloaded and installed from the remote server to the USIM card via the mobile communication network after the USIM card is issued.
  • the information about the electronic payment application is registered in the registry of the USIM card.
  • the registration information may include the application name, AID, and application status.
  • the contactless reader instructs the mobile terminal to select the electronic payment application by the SELECT command
  • the USIM card in the mobile terminal processes the SELECT instruction and returns the response information.
  • the format of the SELECT instruction and the response information conforms to the Global Platform Card Specification V2.2. 11.9 Requirements in SELECT Command".
  • the AID parameter contained in the SELECT instruction can be a complete AID or a part of the AID, that is, part of the AID.
  • the selection mode of the default electronic payment application of the USIM card is the manual selection of the user.
  • the electronic payment application is selected according to the manually selected method; when the manual selection application is not set in the USIM card, the USIM card performs the electronic payment application according to the explicitly selected method. select.
  • an AID variable can be set in the storage area of the USIM card, which is used to record the relevant information of the manually selected application, that is, the application setting information.
  • a variable is set in the storage area of the USIM card, the name is strDefaultAppletAID, and the length is 18 bytes (bytes). This variable is used to record the AID of the manual selection application, that is, the electronic payment application.
  • variable strDefaultAppletAID records the AID of the manually selected application; if the setting of the manual selection application in the USIM card is canceled, or the setting of the manual selection application is not performed in the USIM card, the variable The value of strDefaultAppletAID is all 0s or empty to indicate that there is currently no manual selection application. USIM card can pass this change The reading of the quantity is used to determine whether there is a manual selection application in the USIM card, that is, whether the user has set a manual selection application.
  • the user needs to provide an input interface for setting a manual selection application, and the input interface can be implemented by using a card application toolkit (CAT, Card Application Toolkit).
  • CAT Card Application Toolkit
  • Both the mobile terminal and the USIM card need to support the CAT specification to implement the technical requirements in the ETSI TS 102 223 Card Application Toolkit (CAT).
  • the setup menu can be built according to the CAT specification, which is used for the user to manually select the settings of the application.
  • the mobile terminal displays the setting menu built into the USIM card to the user, and the user manually selects the setting operation of the application in the setting menu according to his/her own needs.
  • the functions that can be implemented when the user sets the manual selection application include: selecting one or more electronic payment applications from the electronic payment application that can be selected in the USIM card as the default electronic payment application; displaying the settings of the current manual selection application; Cancel the manual selection of the app's settings.
  • the default application menu can be included in the setting menu built into the USIM card.
  • the next level menu of the default application menu can include three sub-menus, namely the current default application, the default application, and the default application.
  • the USIM card When the user selects the submenu "Current Default Application", the USIM card reads the variable strDefaultAppletAID. If the value of the variable strDefaultAppletAID is all 0 or empty, the USIM card indicates on the mobile terminal screen that there is no manual selection of the application by the display text (DISPLAY TEXT) command; if the variable strDefaultAppletAID records the AID of the manually selected application, the USIM card is based on The AID retrieves the name of the corresponding manual selection application in the registry of the USIM card and displays it on the screen of the mobile terminal through the DISPLAY TEXT command.
  • DISPLAY TEXT display text
  • the USIM card When the user selects the submenu "Set Default Application", the USIM card displays the name of the electronic payment application that can be selected in the registry on the screen of the mobile terminal in the form of a list, and two soft keys can be provided below the screen of the mobile terminal. They are confirmation and return.
  • strDefaultAppletAID is set to all 0s or is empty, and the mobile terminal screen prompts that the setting has been canceled.
  • the USIM card When manually selecting an application for electronic payment, most of them require only one electronic payment.
  • the effective mode of the manual selection application is set to one time, if the manual selection application performs an electronic payment, the USIM card can automatically cancel the setting of the manual selection application, and the electronic payment can be selected according to the explicit selection method in the next electronic payment. Application, this will bring great convenience to the actual application. Therefore, the USIM card can be always active or active once when manually setting the application settings.
  • the effective mode of manually selecting an application is set to be always valid, the USIM card always selects the manual application as the selectable electronic payment application; when the manual selection application is set to be valid once, the USIM card also selects the manual application as the selectable electronic payment application.
  • the mobile terminal interacts with the contactless card reader. After the manual selection application is used for electronic payment, the USIM card can automatically cancel the setting of the manually selected application, and then the electronic payment application can be selected electronically by using an explicit selection method. Pay.
  • an effective way to manually select an application can be supported as always effective or once, or both.
  • a variable is added to the storage area of the set manual selection application.
  • the variable name can be bDefaultAppletValidSet and the length is 1 bit.
  • the variable is used to record the effective way of manually selecting the application. For example, when the value of the variable bDefaultAppletValidSet is 0, it means that the effective mode corresponding to the manual selection application is always valid; when the value of the variable bDefaultAppletValidSet is 1, it means that the effective mode corresponding to the manual selection application is valid once.
  • the effective mode input interface can be realized by setting the menu in the USIM card.
  • the built-in menu can use the CAT menu for the user to manually select the effective mode of the application.
  • the specific implementation can be: Add a submenu "Default Application Valid Settings" in the next submenu of the default application menu. After the user finishes manually setting the application settings, he can select the sub-menu "Default Application Valid Settings” to set the effective mode of the manual selection application.
  • the built-in menu displays two options "always valid" and "once valid" on the terminal screen. The user can select an effective way of manually selecting an application by selecting a direction key of the mobile terminal or other methods. After the user selects a valid mode, the USIM card is modified. The value of bDefaultAppletValidSet is used to record the settings made by the user, and then the prompt is set successfully and returned to the previous menu.
  • the USIM card can read the variable bDefaultAppletValidSet to obtain the effective mode used by the current manual selection application, and then display it on the screen of the mobile terminal.
  • the effective way to manually select an application can also use the default setting, that is, after the user completes the manual selection of the application, the corresponding effective mode is used corresponding to the effective way of manually selecting the application. For example, if the default effective mode of the manual selection application is one time, the user selects the application to be selected once, and the corresponding manual selection application is valid once. After the corresponding manual selection application has performed an electronic payment, the USIM card will cancel the setting corresponding to the manual selection application.
  • Step A The mobile terminal enters the working area of the contactless card reader, and the contactless card reader establishes communication with the mobile terminal according to the non-contact communication protocol, and the contactless card reader sends a SELECT command to the USIM card through the mobile terminal, in the SELECT instruction Carry the AID parameter.
  • Step B After the USIM card receives the SELECT instruction, it parses the SELECT instruction.
  • Step D When there is a setting for manually selecting an application in the USIM card, the electronic payment application that can be selected in the USIM card has only the manual selection application set by the user.
  • the USIM card is processed according to the existing application selection specification according to the instruction of the SELECT instruction.
  • For the specific processing of the SELECT instruction by the USIM card refer to Global Platform Card Specification V2.2 "11.9 SELECT Command" and "6.4 Logical Channels and Application Selection". In the regulations.
  • the USIM card compares the AID of the manual selection application recorded in the variable strDefaultAppletAID with the AID parameter carried in the SELECT instruction to determine whether the AID of the manually selected application can match the AID parameter carried in the SELECT instruction, if the AID recorded in the variable strDefaultAppletAID Can match the AID parameter carried in the SELECT instruction, indicating that the manual selection application meets the requirements of the SELECT instruction; if the AID recorded in the variable strDefaultAppletAID cannot match the AID parameter carried in the SELECT instruction, it indicates that the manual selection application does not conform to the SELECT Instruction requirements.
  • the USIM card sets SW1 and SW2 in the SELECT response to 90, 00 respectively, notifies the non-contact reader that the SELECT instruction is successfully executed, and sets the state of the corresponding manual selection application to Select, manually select the application and the contactless reader to continue the operations associated with the electronic payment application.
  • the USIM card can set the value of the variable strDefaultAppletAID to all 0s or null after the electronic payment is completed, and automatically cancel the setting of the manual selection application. End the current process.
  • the USIM card sets SW1 and SW2 in the SELECT response to 6A and 82 respectively, notifying the non-contact reader that the SELECT instruction fails to execute, and the electronic payment application specified in the SELECT instruction does not exist. , then terminate communication with the contactless reader, ending the current process.
  • Step E The USIM card selects the appropriate electronic payment application by explicit selection.
  • the USIM card selects the electronic payment application according to the existing explicit selection method. See Global Platform Card Specification V2.2 “11.9 SELECT Command” and "6.4". Provisions in Logical Channels and Application Selection”.
  • the USIM card searches in the registry according to the AID parameter carried in the SELECT command to determine whether there is an electronic payment application that meets the requirements of the SELECT command. If it exists, the USIM card sets the state corresponding to the manually selected application to be selected, and manually selects the application.
  • the operation related to the electronic payment application is continued with the contactless card reader; if not, the USIM card sets SW1 and SW2 in the SELECT response to 6A, 82, respectively, to notify the contactless reader that the SELECT instruction fails to execute, the SELECT instruction
  • the electronic payment application specified in it does not exist, and then terminates communication with the contactless reader, ending the current process.
  • the above embodiment describes a method for implementing electronic payment application selection in the eNFC scheme.
  • the method provided in the present invention can also be used to implement the selection of the electronic payment application.
  • the terminal includes: a receiving unit, a default application determining unit, a matching unit, an explicit selecting unit, and an electronic payment unit, wherein the receiving unit is configured to receive a SELECT instruction; and the default application determining unit is configured to determine whether there is a manual Select the application, if it exists, trigger the matching unit, if it does not exist, trigger the explicit selection unit; the matching unit is used to determine whether the manual selection application meets the requirements of the SELECT instruction, and if so, determine the manual selection that meets the requirements of the SELECT instruction.
  • the explicit selection unit is used to select an electronic payment application that meets the requirements of the SELECT instruction according to an explicit selection method, and provides the electronic payment application Payment unit; an electronic payment unit is used for electronic payment by an electronic payment application.
  • the solution provided by the present invention can select one or more electronic payment applications for electronic payment according to the user's will, improve the scheme of the electronic payment application selected by the terminal, and greatly improve the user's satisfaction with the electronic payment service. Degree, enhance the user's business experience.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Description

一种非接触电子支付中实现应用选择的方法及终端 技术领域
本发明涉及近场通信 ( NFC, Near Field Communication )技术， 特别是 指一种非接触电子支付中实现应用选择的方法及终端。
背景技术
集成电路（IC, Integrate Circuit )卡、 特别是非接触式 IC卡经过十多年 的发展， 已经被广泛应用于公交、 门禁、 小额电子支付等领域。 与此同时， 移动终端经历二十多年的迅速发展， 在居民中基本得到普及， 为人们的工作 及生活带来极大的便利。 移动终端的功能越来越强大， 并存在集成更多功能 的趋势。 将移动终端与非接触式 IC卡技术相结合， 使移动终端应用于电子支 付领域， 会进一步扩大移动终端的使用范围， 为人们的生活带来更多便捷， 存在着广阔的应用前景。
在移动终端上增加对非接触式 IC卡的支持后，移动终端可以模拟为非接 触触 IC卡，能够与支付系统的非接触读卡器进行交互，实现非接触电子支付。 使用移动终端实现非接触电子支付的方案存在多种，主要是釆用 NFC方案或 增强型近场通信 ( eNFC , enhanced Near Field Communication )方案。 对于 接触电子支付， 目前业界主流的技术方案是 eNFC, eNFC方案得到了运营商 和有关终端厂商的支持。
eNFC方案是对近场通信（ NFC , Near Field Communication )方案的增强 和改进，是一种工作于 13.56MHz的近距离无线通信技术，由射频识别（RFID, Radio Frequency Identification )技术及互连技术融合演变而来。
在移动终端上实现 eNFC方案， 需要在移动终端上增加 NFC模拟前端 ( CLF, Contactless Front-end ) 芯片和 NFC天线， 并进一步使用支持单线协 议（ SWP, Single Wire Protocol )的移动用户卡， 移动用户卡可以是客户识别 模块（ SIM, Subscriber Identity Module )卡、或用户识别模块（ UIM, User Identity Model )卡、 或用户服务识别模块（USIM, User Service Identity Module )卡 等。 NFC模拟前端芯片支持的 RFID协议包括 ISO 14443 Type A/Type B、 Felica、 IS015693等。移动终端中的 NFC模拟前端芯片和 NFC天线实现非接 触通信功能， 可以与外部的非接触读卡器按照 RFID协议进行通信。
eNFC 方案中， NFC 模拟前端芯片可以通过通用异步接收 /发送装置 ( UART , Universal Asynchronous Receiver/Transmitter )接口与移动终端的主 处理器进行通信； NFC模拟前端芯片通过一根信号线与移动用户卡的 C6引 脚连接， 使用 SWP 与移动用户卡中的应用部分进行通信； 移动用户卡通过 IS07816接口与移动终端的主处理器连接， 该连接使用到了移动用户卡的复 位（Reset ) 、 时钟（CLK ) 、 输入输出 （10 )管脚， 可以分别对应着 C2、 C3、 C7管脚。
eNFC的特点是将与电子支付应用存储在移动用户卡中，由移动用户卡进 行电子支付应用的存储和执行。 移动终端进入电子支付系统的非接触读卡器 的工作区域后， 移动终端中的 NFC模拟前端芯片可以按照 RFID协议与非接 触读卡器建立通信， 并将非接触读卡器发送的指令传递给移动用户卡， 由移 动用户卡对电子支付相关指令进行处理， 移动用户卡处理指令后返回的响应 信息可以通过 NFC模拟前端芯片发送给非接触读卡器。
另外， 通过将移动用户卡的电源 （VCC ) 、 即 C1管脚与 NFC模拟前端 芯片相连， 使 eNFC方案能够支持终端掉电模式。 在这种模式下， NFC模拟 前端芯片和移动用户卡通过 NFC天线获取能量，在移动终端没电的情况下也 同样能够工作在卡模拟模式下， 与外部的非接触读卡器交互完成电子支付。
NFC方案和 eNFC方案类似，移动终端上也需要增加 NFC模拟前端芯片 和 NFC天线， 支持的 RFID协议包括 ISO 14443 Type A/Type B、 Felica、 IS015693等。 NFC模拟前端芯片可以通过 UART接口与移动终端的主处理 器连接， 由移动终端主处理器控制 NFC模拟前端芯片的功能。 但 NFC方案 与 eNFC方案不同的是， 在 NFC方案中没有使用移动用户卡存储电子支付应 用， 而是使用集成在移动终端上的安全芯片或可插拔的存储卡、 如 MicroSD 存储卡。
在 eNFC方案中， 如果使用集成在移动终端上的安全芯片存储电子支付 应用， 则安全芯片提供电子支付的运行环境， 安全芯片与 NFC模拟前端芯片 通过 S2C接口 ( signal-in/signal-out communication interface )进行通信。 移动 终端进入电子支付系统的非接触读卡器的工作区域后，移动终端中的 NFC模 拟前端芯片可以按照 RFID协议与非接触读卡器建立通信， 并将非接触读卡 器发送的指令传递给安全芯片， 由安全芯片对电子支付相关指令进行处理， 安全芯片处理指令后返回的响应信息可以通过 NFC模拟前端芯片发送给非接 触读卡器。
在 eNFC方案中， 如果使用可插拔的存储卡存储电子支付应用， 则移动 终端中需要集成可以支持存储卡的卡槽， 该卡槽提供多个管脚， 存储卡提供 电子支付的运行环境。 移动终端通过卡槽的管脚向存储卡供电； 存储卡通过 卡槽的部分管脚与 NFC模拟前端芯片连接并建立通信；存储卡通过卡槽的部 分管脚与移动终端的主处理器连接， 移动终端主处理器通过该连接对存储卡 进行管理。 移动终端进入电子支付系统的非接触读卡器的工作区域后， 移动 终端中的 NFC模拟前端芯片可以按照 RFID协议与非接触读卡器建立通信， 并将非接触读卡器发送的指令传递给存储卡， 由存储卡对电子支付相关指令 进行处理，存储卡处理指令后返回的响应信息可以通过 NFC模拟前端芯片发 送给非接触读卡器。
eNFC与 NFC方案基本类似， 可以使用移动用户卡、 存储卡或者安全芯 片存储电子支付应用。 概括来讲， 移动用户卡、 存储卡和安全芯片均属于智 能卡的范畴。
移动终端实现非接触电子支付时， 可以同时支持多个电子支付应用。 智 能卡遵守 Global Platform Card Specification V2.2规范中的技术要求， 可以支 持多应用， 来自不同应用提供者的电子支付应用可以存储在智能卡的不同安 全域中， 安全域之间实现逻辑隔离， 不同电子支付应用的存储和运行互不干 扰， 从而为各电子支付应用提供安全的运行环境。 另外， 由于 Java卡已经成 为智能卡的发展趋势， 智能卡可以釆用 Java卡规范， 运行在智能卡中的电子 支付应用可以实现平台无关性。 按照 Java卡技术规范开发的电子支付应用能 够运行在不同智能卡厂家的 Java卡中， 从而为电子支付应用的推广带来很大 的技术优势。 因此，移动终端在支持非接触电子支付时，智能卡通常遵守 Java 卡技术规范， 电子支付应用可以釆用 Java语言编写并符合 Java卡技术规范。 每个电子支付应用拥有一个唯一的应用标识符（AID, Application ID ) , AID由注册的应用提供者标识（ RID, Registered Application Provider Identifier ) 和专用应用标识符扩展 ( PIX, Proprietary Application Identifier Extension )码 组成， AID的编码规范符合 ISO/IEC 7816-5 Identification cards-Integrated circuit cards-Part 5 egistration of application providers:2004的要求。
智能卡中的电子支付应用可以在智能卡发行时就预置在智能卡中， 也可 以在智能卡发行后通过移动通信网络从远程服务器上将电子支付应用下载并 安装到智能卡中。 电子支付应用在智能卡中进行安装时， 会将电子支付应用 的有关信息注册到智能卡的注册表（Registry ) 中， 注册信息可以包括应用名 称、 AID和应用状态等。
移动终端进入到电子支付系统的非接触读卡器的工作区域后， 移动终端 与非接触读卡器建立通信， 非接触读卡器会向移动终端发送应用选择 ( SELECT )指令以选择电子支付应用， 该 SELECT指令中指定的 AID参数 是完整的 AID或者 AID的一部分。智能卡对 SELECT指令进行处理， 判断存 储的电子支付应用中是否存在对应于 AID参数的电子支付应用； 如果存在， 智能卡会选择对应电子支付应用， 然后由被选择的电子支付应用处理非接触 读卡器发送的电子支付相关指令， 从而完成具体的电子支付应用， 如果不存 在， 则终止与非接触读卡器的通信。
电子支付应用的选择可以通过 AID 参数来实现。 非接触读卡器通过 SELECT指令中包含的 AID参数来选择电子支付应用，由智能卡处理 SELECT 指令并返回响应信息， SELECT指令和响应信息的格式符合 Global Platform Card Specification V2.2 "11.9 SELECT Command"中的要求。在某个电子支付应 用被选择后， 智能卡将外部的非接触读卡器发送的电子支付相关指令转发给 被选择的电子支付应用， 由被选择的电子支付应用处理非接触读卡器发送的 电子支付相关指令。
电子支付应用的选择一般釆用显式选择 ( explicit selection ) 的方法， 在 Global Platform Card Specification V2.2 "6.4 Logical Channels and Application Selection"中对显式选择进行了规定。 实现显式选择时， 智能卡根据 SELECT 指令中的 AID参数在智能卡的注册表中查找是否存在满足 SELECT指令的电 子支付应用， 其中处于锁定状态的电子支付应用将不能被选择。 如果存在满 足 SELECT指令的电子支付应用， 智能卡会选择对应电子支付应用， 然后由 被选择的电子支付应用处理非接触读卡器发送的电子支付相关指令， 从而完 成具体的电子支付应用， 如果不存在， 则终止与非接触读卡器的通信。
由于智能卡内可以存储多个电子支付应用， 在移动终端与外部的非接触 读卡器交互时， 可能存在非接触读卡器同时支持智能卡存储的多个电子支付 应用的情况。 另外， 非接触读卡器选择电子支付应用时发送的 SELECT指令 中包含的 AID参数可以是 AID的一部分，以选择非接触读卡器所支持的某一 类电子支付应用。 在这种情况下， 有可能智能卡内的多个电子支付应用可以 满足非接触读卡器发送的 SELECT指令的要求， 釆用显式选择的方法选择出 的电子支付应用可能不符合用户、 即支付人的意愿。
例如， 移动终端的智能卡中存储有电子支付应用 A和电子支付应用 B, 而电子支付系统的非接触读卡器对电子支付应用 A和电子支付应用 B都支 持； 用户使用该移动终端进行电子支付时， 如果釆用显式选择的方法， 智能 卡可能选择电子支付应用 A进行电子支付， 而用户可能希望通过电子支付应 用 B进行电子支付， 从而产生电子支付应用选择的结果与用户的期望不一致 的问题。
发明内容
有鉴于此， 本发明的主要目的在于提供一种非接触电子支付中实现应用 选择的方法及终端， 使电子支付应用选择的结果与用户的期望达成一致。
为达到上述目的， 本发明的技术方案是这样实现的：
一种非接触电子支付中实现应用选择的方法， 该方法包括： 终端接收应 用选择 SELECT指令， 确定是否存在人工选择应用， 若存在， 则判断所存在 的人工选择应用是否符合应用选择 SELECT指令的要求， 若符合， 则选择所 述人工选择应用进行电子支付。
进一步， 确定是否存在人工选择应用的步骤包括： A读取应用设置信息， 如果存在设置信息， 则确定存在人工选择应用； 如果不存在， 则确定不存在 人工选择应用。
进一步， 所述应用设置信息为设置的应用标识符 AID变量；
所述步骤 A包括： 读取设置的应用标识符 AID变量， 判断所述应用标识 符 AID变量是否记录有人工选择应用的 AID, 如果有记录， 则确定存在人工 选择应用； 如果没有记录， 则确定不存在人工选择应用。
进一步， 所述应用设置信息存储于终端的智能卡中。
进一步， 所述方法在确定不存在人工选择应用的步骤之后还包括： 按照 显式选择的方式进行电子支付应用的选择。
进一步， 判断所存在的人工选择应用是否符合应用选择 SELECT指令的 要求的步骤包括：将人工选择应用的 AID与 SELECT指令中携带的 AID参数 进行对比，判断所述 AID是否能够与所述 AID参数匹配上，如果能够匹配上， 则人工选择应用符合 SELECT指令的要求； 如果不能匹配上， 则人工选择应 用不符合 SELECT指令的要求。
进一步， 所述 AID参数是： 完整的 AID, 或者 AID的部分内容。
进一步， 所述方法在所述人工选择应用不符合 SELECT指令的要求的步 骤之后， 进一步包括： 按照显式选择的方式进行电子支付应用的选择； 或者， 终止与外部非接触读卡器的通信。
进一步， 该方法还包括： 设置人工选择应用的有效方式；
所述方法在选择所述人工选择应用进行电子支付的步骤之后， 进一步包 括： 终端根据所述人工选择应用的有效方式， 确定所述人工选择应用当前已 经无效， 取消所述人工选择应用的设置。
进一步， 所述有效方式存储于终端的智能卡中。
进一步， 所述有效方式为： 一次有效， 或一直有效。
本发明还提供一种非接触电子支付中实现应用选择的终端，该终端包括： 接收单元、 默认应用判断单元和匹配单元， 其中，
所述接收单元设置成接收 SELECT指令；
所述默认应用判断单元设置成确定是否存在人工选择应用， 若存在， 则 触发匹配单元；
所述匹配单元设置成判断人工选择应用是否符合 SELECT指令的要求， 若符合， 选择所述符合 SELECT指令的要求的人工选择应用进行电子支付。
进一步， 所述终端还包括： 显式选择单元， 其设置成按照显式选择方式 选择符合 SELECT指令的要求的电子支付应用； 和 /或， 电子支付单元， 其设 置成通过电子支付应用进行电子支付。
本发明提供的方案， 终端接收 SELECT指令， 确定存在人工选择应用， 并确定人工选择应用符合 SELECT指令的要求， 选择符合 SELECT指令的要 求的人工选择应用， 这样， 终端中存储有多个电子支付应用时， 可以根据用 户的意愿选择其中的一个或多个电子支付应用进行电子支付； 进一步地， 终 端仍然可以支持现有的显式选择方式来选择电子支付应用， 由此完善了终端 选择的电子支付应用的方案。 进一步地， 进行电子支付时使用用户期望的人 工选择应用， 大大提高了用户对电子支付业务的满意度， 增强用户的业务体 验。
附图概述
图 1为本发明中非接触电子支付中实现应用选择的流程图；
图 2为本发明中非接触电子支付中实现应用选择的终端的结构示意图。
本发明的较佳实施方式
图 1为本发明中非接触电子支付中实现应用选择的流程图，如图 1所示， 非接触电子支付中实现应用选择的具体处理过程包括以下步骤：
步骤 101〜步骤 102: 终端接收 SELECT指令， 判断是否存在人工选择应 用， 如果存在， 则执行步骤 103 ; 如果不存在， 则通过显式选择选择符合 SELECT指令的要求的电子支付应用进行电子支付， 即判断存储的电子支付 应用中是否存在对应于 AID参数的电子支付应用， 如果存在， 选择对应电子 支付应用， 然后由被选择的电子支付应用处理非接触读卡器发送的电子支付 相关指令， 如果不存在， 则终止与非接触读卡器的通信， 结束当然流程。 所 述人工选择应用是指用户在终端存储的电子支付应用中人工选择的一个或多 个默认电子支付应用。 判断是否存在人工选择应用可以通过读取应用设置信 息来实现， 如果存在设置信息， 即能够读取到应用设置信息， 则确定存在人 工选择应用； 如果不存在， 即不能读取到应用设置信息， 则确定不存在人工 选择应用。 所述应用设置信息为人工选择应用的设置信息， 用来表明当前是 否设置了人工选择应用。
步骤 103: 终端判断人工选择应用是否符合 SELECT指令的要求， 如果 符合要求， 则执行步骤 104; 如果不符合要求， 则执行步骤 105。
步骤 104: 终端选择符合 SELECT指令的要求的人工选择应用进行电子 支付， 然后结束当前流程。
步骤 105: 终端终止与非接触读卡器的通信。 也就是说， 只有被用户人 工选择的电子支付应用才可以被选择作为当前电子支付的具体应用， 其他电 子支付应用不能被选择。 另外， 终端在确定人工选择应用不符合 SELECT指 令的要求后， 也可以通过显式选择选择符合 SELECT指令的要求的电子支付 应用进行电子支付。
通过以上流程描述可见， 本发明中涉及的终端可以在支持显式选择的情 况下， 还同时支持用户的人工选择； 并且在人工选择应用存在的情况下， 优 先釆用用户的人工选择。 釆用用户的人工选择时， 终端接收到外部的非接触 读卡器发送的 SELECT指令后，根据 SELECT指令中包含的 AID参数判断当 前人工选择应用是否符合 SELECT指令的要求， 如果符合要求， 则选择对应 电子支付应用进行电子支付； 如果不符合要求， 则可以向非接触读卡器返回 选择失败， 并终止与非接触读卡器的通信。
为了实现用户对人工选择应用的设置， 即用户对终端存储的电子支付应 用中进行人工选择， 可以通过终端向用户提供输入界面， 用户可以通过该输 入界面进行人工选择应用的设置、 即对存储在终端中的电子支付应用进行选 择； 也可以通过该输入界面对人工选择应用的设置进行取消； 甚至还可以查 看终端中存储的电子支付应用的人工选择的设置信息。
考虑到人工选择应用在实际使用中一般只需要进行一次或几次电子支 付， 因此， 还可以进一步地通过输入界面设置人工选择应用的有效方式。 例 如， 用户选择电子支付应用时， 可以将人工选择应用设置为一直有效或者一 次有效。 将人工选择应用设置为一直有效是指将人工选择应用始终设置为默 认电子支付应用， 直至取消对应人工选择应用的设置。 将人工选择应用设置 为一次有效是指将人工选择应用作为默认电子支付应用的有效次数设置为只 有一次。 有效方式为一次有效时， 在对应人工选择应用被非接触读卡器选择 一次后， 终端将根据一次有效的有效方式自动取消对应电子支付应用的人工 选择应用的设置， 后续电子支付的处理过程中， 对应电子支付应用将不再被 作为人工选择应用、 即默认电子支付应用。
终端支持用户的人工选择时， 可以支持一直有效或一次有效中的一种有 效方式， 也可以这两种有效方式都支持。 终端对一直有效和一次有效都支持 通过在输入界面中选择相应设置选项确定人工选择应用的有效方式。
下面以移动终端以 USIM卡作为智能卡为例， 对本发明方案的具体实现 进行更为详细的说明。
移动终端支持非接触电子支付时， eNFC方案是一种主要的解决方案， 因 此以下描述中釆用 eNFC方案来实现电子支付应用的选择方法。 存储电子支 付应用的智能卡可以是移动用户卡， 也可以是可插拔的存储卡， 还可以是集 成在终端上的安全芯片。 eNFC方案中， 智能卡为电子支付应用提供安全、 开 放的运行环境。 移动用户卡根据使用情况的不同， 可以是 SIM卡、 UIM卡或 USIM卡。 在以下实施例描述中， 仅以 USIM卡为例进行说明； 在移动用户 卡是 SIM卡或 UIM卡时，或者智能卡是安全芯片或可插拔的存储卡， 同样可 以釆用以下描述中所釆用的方案。
USIM卡可以釆用 Java卡技术， 并遵守 Global Platform Card Specification V2.2规范中的技术要求。 USIM卡中包括 Java卡运行环境（JCRE, Java Card Runtime Environment ) 。 JCRE包括 Java卡虚拟机 ( JCVM, Java Card Virtual Machine ) 、 Java卡才匡架及 API接口 （ Java Card Framework and API )和卡提 供商指定的扩展接口。
电子支付应用基于 javacard.framework.Applet类库， 需要实现 "Runtime Environment Specification for the Java Card Platform, Version 2.2.2"中定义的安 装 ( install ) 、 注册（ register ) 、 选择 ( select ) 、 去选择 ( deselect ) 、 进程 ( rocess ) 。 每个电子支付应用拥有一个唯一的 AID, AID由注册的 RID和 PIX组成， AID的编码规范符合 ISO/IEC 7816-5 Identification cards-Integrated circuit cards-Part 5 egistration of application providers:2004的要求。
USIM卡支持多电子支付应用， 可以在 USIM卡上安装多个电子支付应 用。 电子支付应用可以预先安装到 USIM卡中， 也可以在 USIM卡发行后通 过移动通信网络从远程服务器上将电子支付应用下载并安装到 USIM卡。 电 子支付应用在 USIM卡中进行安装时， 会将电子支付应用的有关信息注册到 USIM卡的注册表中， 注册信息可以包括应用名称、 AID和应用状态等。
非接触读卡器通过 SELECT指令来指示移动终端对电子支付应用进行选 择， 由移动终端中的 USIM卡处理 SELECT指令并返回响应信息， SELECT 指令和响应信息的格式符合 Global Platform Card Specification V2.2 "11.9 SELECT Command"中的要求。 SELECT指令中包含的 AID参数可以是完整的 AID, 也可以是 AID的一部分、 即 AID的部分内容。 在某个电子支付应用被 选择后， USIM卡中的 JCRE将外部的非接触读卡器发送的电子支付相关指令 转发给被选择的电子支付应用， 由被选择的电子支付应用处理非接触读卡器 发送的电子支付相关命令。
本发明实施例方案中， USIM卡默认的电子支付应用的选择方式为用户 的人工选择。 USIM卡中进行了人工选择应用的设置时， 按照人工选择的方 式进行电子支付应用的选择；在 USIM卡中没有进行人工选择应用的设置时， USIM卡按照显式选择的方式进行电子支付应用的选择。
为实现人工选择的方式， 可以在 USIM卡的存储区域内设置一个 AID变 量， 该变量用于记录人工选择应用的相关信息， 即应用设置信息。 例如， 在 USIM卡的存储区域内设置变量， 名称为 strDefaultAppletAID, 长度为为 18 字节 （bytes ) , 该变量用于记录人工选择应用、 即电子支付应用的 AID。 如 果 USIM卡中进行了人工选择应用的设置， 则变量 strDefaultAppletAID记录 有人工选择应用的 AID; 如果取消了 USIM卡中人工选择应用的设置， 或者 USIM卡中没有进行过人工选择应用的设置，则变量 strDefaultAppletAID的值 为全 0或为空， 以表明当前不存在人工选择应用。 USIM卡可以通过对该变 量值的读取来判断 USIM卡中是否存在人工选择应用， 即判断用户是否设置 了人工选择应用。
为了实现用户对人工选择应用的设置， 需要向用户提供设置人工选择应 用的输入界面， 该输入界面可以釆用卡应用工具包（CAT, Card Application Toolkit )来实现。移动终端和 USIM卡均需要支持 CAT规范，实现 ETSI TS 102 223 Card Application Toolkit(CAT)中的技术要求。在 USIM卡中可以按照 CAT 规范内置设置菜单， 该设置菜单用于用户进行人工选择应用的设置。 移动终 端向用户显示 USIM卡内置的设置菜单， 用户根据自身需要在设置菜单中进 行人工选择应用的设置操作。
用户设置人工选择应用时可以实现的功能包括： 从 USIM卡中存储的、 可以被选择的电子支付应用中选择一个或多个电子支付应用作为默认电子支 付应用； 显示当前的人工选择应用的设置； 取消人工选择应用的设置。 为了 实现上述的功能， USIM卡内置的设置菜单中可以包括默认应用菜单， 默认 应用菜单的下一级菜单可以包括 3个子菜单， 分别是当前的默认应用、 设置 默认应用、 取消默认应用。
用户选择子菜单 "当前的默认应用 " 时， USIM 卡会读取变量 strDefaultAppletAID。 如果变量 strDefaultAppletAID 的值为全 0 或为空， 则 USIM卡通过显示文本（DISPLAY TEXT )指令在移动终端屏幕上提示当前 没有人工选择应用； 如果变量 strDefaultAppletAID 记录有人工选择应用的 AID, 则 USIM卡根据 AID在 USIM卡的注册表中检索到对应人工选择应用 的名称， 并通过 DISPLAY TEXT指令显示在移动终端屏幕上。
用户选择子菜单 "设置默认应用" 时， USIM卡会将注册表中可以被选 择的电子支付应用的名称按照列表的形式显示在移动终端屏幕上， 移动终端 屏幕的下方可以提供两个软键， 分别是确认和返回。 在此设置菜单的界面中， 可以通过移动终端的方向键或者其它方式， 选择某个电子支付应用， 然后再 按软键确认， 则 USIM 卡会将用户选择的电子支付应用的 AID 记录入 strDefaultAppletAID, 并可以进一步在移动终端屏幕上提示设置成功， 然后返 回上一级菜单。
用户选择子菜单 "取消默认应用 " 时， USIM 卡会将变量 strDefaultAppletAID设置为全 0或为空， 并在移动终端屏幕上提示已取消设 置。
人工选择应用进行电子支付时， 大部分为只需要进行一次电子支付的情 况。 人工选择应用的有效方式设置为一次时， 如果该人工选择应用进行了一 次电子支付后， USIM卡可以自动取消该人工选择应用的设置， 在下一次电 子支付时可以按照显式选择的方法选择电子支付应用， 这样会给实际应用带 来极大方便。 因此， 在进行人工选择应用的设置时， USIM卡可以支持一直 有效或一次有效。 人工选择应用的有效方式设置为一直有效时， USIM卡一 直将人工选择应用作为可选择的电子支付应用； 人工选择应用设置为一次有 效时， USIM卡同样将人工选择应用作为可选择的电子支付应用， 但移动终 端与非接触读卡器交互， 使用该人工选择应用进行电子支付后， USIM卡可 以自动取消该人工选择应用的设置， 后续可以釆用显式选择的方式来选择电 子支付应用进行电子支付。
根据实际使用的需要， 人工选择应用的有效方式可以支持一直有效或一 次有效， 也可以两种有效方式同时支持。 对一直有效和一次有效都支持时， 在输入界面中选择相应设置选项确定人工选择应用的有效方式。 另外， 在设 置的人工选择应用的存储区域中增加一个变量， 该变量的名称可以为 bDefaultAppletValidSet , 长度为 1比特位（bit ) , 通过该变量记录人工选择应 用的有效方式。 例如， 变量 bDefaultAppletValidSet的值为 0时， 表示对应人 工选择应用的有效方式为一直有效；变量 bDefaultAppletValidSet的值为 1时， 表示对应人工选择应用的有效方式为一次有效。 有效方式的输入界面可以通 过在 USIM卡中内置设置菜单的方式来实现，该内置菜单可以釆用 CAT菜单， 用于用户进行人工选择应用有效方式的设置。 具体的实现可以为： 在默认应 用菜单的下一级子菜单中增加子菜单 "默认应用有效设置" 。 用户完成人工 选择应用的设置后， 可以选择子菜单 "默认应用有效设置" ， 进行人工选择 应用的有效方式的设置， 内置菜单在终端屏幕上显示两个选项 "一直有效" 和 "一次有效" ， 用户可以通过移动终端的方向键或者其它方法进行选择来 设置人工选择应用的有效方式。 用户选择有效方式后， USIM卡通过修改变 量 bDefaultAppletValidSet的值以记录用户所做的设置， 然后提示设置成功并 返回到上一级菜单。
用户查询人工选择应用的有效方式时， USIM 卡可以读取变量 bDefaultAppletValidSet,获取当前人工选择应用所釆用的有效方式， 然后显示 在移动终端屏幕上。
人工选择应用的有效方式也可以釆用默认设置， 即用户完成人工选择应 用的设置后， 对应人工选择应用的有效方式釆用默认的有效方式。 例如， 人 工选择应用的默认有效方式为一次有效，则用户完成人工选择应用的设置后， 对应人工选择应用为一次有效。 相应人工选择应用执行过一次电子支付后， USIM卡将取消对应人工选择应用的设置。
在本发明中， USIM卡增加对人工选择应用的支持后， 在与外部的非接 触读卡器进行电子支付应用选择的流程参见图 1 , 具体处理为：
步骤 A: 移动终端进入非接触读卡器的工作区域， 非接触读卡器与移动 终端按照非接触通信协议建立通信， 非接触读卡器通过移动终端向 USIM卡 发送 SELECT指令， 该 SELECT指令中携带有 AID参数。
步骤 B: USIM卡收到 SELECT指令后， 对 SELECT指令进行解析。 步骤 C: USIM卡读取变量 strDefaultAppletAID,如果 strDefaultAppletAID 中记录有人工选择应用的 AID,则表明 USIM卡中存在人工选择应用的设置， 继续执行步骤 D; 如果 strDefaultAppletAID的值为全 0或为空， 则表明 USIM 卡中不存在人工选择应用的设置， 继续执行步骤 E。
步骤 D: USIM卡中存在人工选择应用的设置时， USIM卡中可以被选择 的电子支付应用只有用户设置的人工选择应用。 USIM卡根据 SELECT指令 的指示按照现有的应用选择规范进行对应的处理， USIM卡对 SELECT指令 的具体处理可以参见 Global Platform Card Specification V2.2 "11.9 SELECT Command"和" 6.4 Logical Channels and Application Selection"中的规定。 USIM 卡将变量 strDefaultAppletAID中记录的人工选择应用的 AID与 SELECT指令 中携带的 AID参数进行对比， 判断人工选择应用的 AID是否能够与 SELECT 指令中携带的 AID参数匹配上， 如果变量 strDefaultAppletAID中记录的 AID 能够与 SELECT指令中携带的 AID参数匹配上， 则表明人工选择应用符合 SELECT指令的要求； 如果变量 strDefaultAppletAID 中记录的 AID 不能与 SELECT指令中携带的 AID参数匹配上，则表明人工选择应用不符合 SELECT 指令的要求。
如果人工选择应用符合 SELECT指令的要求， 则 USIM卡将 SELECT响 应中的 SW1、 SW2分别设置为 90、 00, 通知非接触读卡器 SELECT指令执 行成功， 并将对应人工选择应用的状态设置为已选择， 人工选择应用与非接 触读卡器继续进行与电子支付应用有关的操作。 人工选择应用被选择后， 如 果当前人工选择应用的有效方式设置为一次有效， USIM卡可以在电子支付 完成后， 将变量 strDefaultAppletAID的值设置为全 0或为空， 自动取消人工 选择应用的设置， 结束当前流程。
如果人工选择应用不符合 SELECT指令的要求， 则 USIM卡将 SELECT 响应中的 SW1、 SW2分别设置为 6A、 82, 通知非接触读卡器 SELECT指令 执行失败， SELECT指令中指定的电子支付应用不存在， 然后终止与非接触 读卡器的通信， 结束当前流程。
步骤 E: USIM卡通过显式选择选择适当的电子支付应用， USIM卡按照 现有的显式选择方式进行电子支付应用的选择，可以参见 Global Platform Card Specification V2.2 "11.9 SELECT Command"和" 6.4 Logical Channels and Application Selection"中的规定。 USIM卡根据 SELECT指令中携带的 AID参 数在注册表中进行检索， 判断是否存在符合 SELECT指令要求的电子支付应 用， 如果存在， 则 USIM卡将对应人工选择应用的状态设置为已选择， 人工 选择应用与非接触读卡器继续进行与电子支付应用有关的操作；如果不存在， USIM卡将 SELECT响应中的 SW1、 SW2分别设置为 6A、 82, 通知非接触 读卡器 SELECT指令执行失败， SELECT指令中指定的电子支付应用不存在， 然后终止与非接触读卡器的通信， 结束当前流程。
以上实施例中描述了在 eNFC方案中实现电子支付应用选择的方法， 在 移动终端电子支付的其它解决方案的实际应用中， 也可以釆用本发明中提供 的方法实现电子支付应用的选择。
图 2为本发明中非接触电子支付中实现应用选择的终端的结构示意图， 如图 2所示， 该终端包括： 接收单元、 默认应用判断单元、 匹配单元、 显式 选择单元和电子支付单元， 其中， 接收单元用于接收 SELECT指令； 默认应 用判断单元用于判断是否存在人工选择应用， 如果存在， 则触发匹配单元， 如果不存在， 则触发显式选择单元； 匹配单元用于判断人工选择应用是否符 合 SELECT指令的要求， 如果符合， 则确定符合 SELECT指令的要求的人工 选择应用， 并提供给电子支付单元， 如果不符合， 则不进行操作或者触发显 式选择单元； 显式选择单元用于按照显式选择方式选择符合 SELECT指令的 要求的电子支付应用， 并提供给电子支付单元； 电子支付单元用于通过电子 支付应用进行电子支付。
以上所述， 仅为本发明的较佳实施例而已， 并非用于限定本发明的保护 范围。
工业实用性
与现有技术相比， 本发明提供的方案， 可以根据用户的意愿选择一个或 多个电子支付应用进行电子支付， 完善终端选择的电子支付应用的方案， 大 大提高了用户对电子支付业务的满意度， 增强用户的业务体验。

Claims

权 利 要 求 书
1、 一种非接触电子支付中实现应用选择的方法， 其包括：
终端接收应用选择 SELECT指令，确定是否存在人工选择应用，若存在， 则判断所存在的人工选择应用是否符合应用选择 SELECT指令的要求， 若符 合， 则选择所述人工选择应用进行电子支付。
2、 根据权利要求 1所述的方法， 其中， 确定是否存在人工选择应用的步 骤包括：
A、 读取应用设置信息， 如果存在设置信息， 则确定存在人工选择应用； 如果不存在， 则确定不存在人工选择应用。
3、 根据权利要求 2所述的方法， 其中，
所述应用设置信息为设置的应用标识符 AID变量，
所述步骤 A包括： 读取设置的应用标识符 AID变量， 判断所述应用标识 符 AID变量是否记录有人工选择应用的 AID, 如果有记录， 则确定存在人工 选择应用； 如果没有记录， 则确定不存在人工选择应用。
4、 根据权利要求 2所述的方法， 其中， 所述应用设置信息存储于终端的 智能卡中。
5、根据权利要求 2所述的方法， 其在确定不存在人工选择应用的步骤之 后， 还包括： 按照显式选择的方式进行电子支付应用的选择。
6、 根据权利要求 1所述的方法， 其中， 判断所存在的人工选择应用是否 符合应用选择 SELECT指令的要求的步骤包括： 将人工选择应用的 AID与
SELECT指令中携带的 AID参数进行对比， 判断所述人工选择应用的 AID是 否能够与所述 SELECT指令中携带的 AID参数匹配上， 如果能够匹配上， 则 所述人工选择应用符合 SELECT指令的要求； 如果不能匹配上， 则所述人工 选择应用不符合 SELECT指令的要求。
7、 根据权利要求 6所述的方法， 其中， 所述 AID参数是： 完整的 AID, 或者 AID的部分内容。
8、 根据权利要求 6所述的方法， 其在所述人工选择应用不符合 SELECT 指令的要求的步骤之后还包括：
按照显式选择的方式进行电子支付应用的选择； 或者，
终止与外部非接触读卡器的通信。
9、 根据权利要求 1至 8任一所述的方法， 其中，
所述方法还包括： 设置人工选择应用的有效方式；
所述方法在选择所述人工选择应用进行电子支付的步骤之后还包括： 终 端根据所述人工选择应用的有效方式，确定所述人工选择应用当前已经无效， 取消所述人工选择应用的设置。
10、 根据权利要求 9所述的方法， 其中， 所述有效方式存储于终端的智 能卡中。
11、 根据权利要求 9所述的方法， 其中， 所述有效方式为： 一次有效， 或一直有效。
12、 一种非接触电子支付中实现应用选择的终端， 其包括： 接收单元、 默认应用判断单元和匹配单元， 其中，
所述接收单元设置成接收 SELECT指令；
所述默认应用判断单元设置成确定是否存在人工选择应用， 若存在， 则 触发匹配单元；
所述匹配单元设置成判断人工选择应用是否符合 SELECT指令的要求， 若符合，则选择所述符合 SELECT指令的要求的人工选择应用进行电子支付。
13、 根据权利要求 12所述的终端， 所述终端还包括：
显式选择单元， 其设置成按照显式选择方式选择符合 SELECT指令的要 求的电子支付应用； 和 /或，
电子支付单元， 其设置成通过电子支付应用进行电子支付。
PCT/CN2009/074219 2009-03-11 2009-09-25 一种非接触电子支付中实现应用选择的方法及终端 WO2010102488A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN200910079444.8 2009-03-11
CN200910079444.8A CN101833817B (zh) 2009-03-11 2009-03-11 一种非接触电子支付中实现应用选择的方法及终端

Publications (1)

Publication Number Publication Date
WO2010102488A1 true WO2010102488A1 (zh) 2010-09-16

Family

ID=42717877

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2009/074219 WO2010102488A1 (zh) 2009-03-11 2009-09-25 一种非接触电子支付中实现应用选择的方法及终端

Country Status (2)

Country Link
CN (1) CN101833817B (zh)
WO (1) WO2010102488A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103065107A (zh) * 2011-10-21 2013-04-24 中国移动通信集团公司 一种非接触刷卡应用的实现方法以及装置

Families Citing this family (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102122415B (zh) * 2011-03-31 2012-08-22 郑州信大捷安信息技术股份有限公司 基于安全tf卡和nfc技术的非接触式移动支付终端及支付方法
CN102426658B (zh) * 2011-11-01 2014-05-21 上海柯斯软件有限公司 支持双协议的非接触通讯智能卡
CN103310537B (zh) * 2012-03-16 2016-01-20 中国移动通信集团公司 一种多应用识别访问方法、智能卡和pos机
KR101911315B1 (ko) 2012-08-24 2018-10-24 삼성전자주식회사 결제 정보 제공 시스템 및 방법
CN104102497B (zh) * 2013-04-02 2017-08-25 中国银联股份有限公司 用于安全性信息交互的设备及其系统管理装置的加载方法
JP6127318B2 (ja) * 2013-06-29 2017-05-17 ▲華▼▲為▼▲終▼端有限公司 非接触支払い方法、デバイスおよびシステム
CN103455915A (zh) * 2013-09-12 2013-12-18 珠海市魅族科技有限公司 一种支付的实现方法和终端
CN103714376A (zh) * 2013-12-20 2014-04-09 北京握奇数据系统有限公司 一种移动支付智能卡
US11068875B2 (en) * 2013-12-30 2021-07-20 Apple, Inc. Person-to-person payments using electronic devices
CN104751327B (zh) * 2013-12-31 2018-08-14 中国移动通信集团公司 一种激活卡应用的方法和设备
FR3037685B1 (fr) * 2015-06-22 2018-11-02 Idemia France Procede et systeme ameliores de selection implicite d'une application dans un element securise, a partir d'un message recu
CN104951310A (zh) * 2015-06-30 2015-09-30 深圳市雪球科技有限公司 一种能够切换多个非接触应用的移动终端及其切换方法
CN105303228A (zh) * 2015-10-23 2016-02-03 大唐微电子技术有限公司 一种移动支付芯片、终端及方法
CN106104601A (zh) * 2016-06-22 2016-11-09 北京小米移动软件有限公司 虚拟卡片激活方法及装置
CN112416227B (zh) * 2020-11-19 2022-06-14 Oppo（重庆）智能科技有限公司 一种配置方法、移动终端及计算机存储介质

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1745519A (zh) * 2002-12-07 2006-03-08 健康乐园株式会社 具有ic卡结算功能的移动通信终端
CN101252729A (zh) * 2008-04-10 2008-08-27 上海柯源软件有限公司 采用sim卡增强支付类芯片功能的方法
CN101261708A (zh) * 2008-04-21 2008-09-10 中兴通讯股份有限公司 基于支持eNFC功能移动终端的在线支付方法和系统
US20090050688A1 (en) * 2007-08-23 2009-02-26 Sony Corporation Electronic wallet device and communication method

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2005275058A1 (en) * 2004-07-15 2006-02-23 Mastercard International Incorporated Method and system for conducting contactless payment card transactions
CN1933351A (zh) * 2006-09-27 2007-03-21 上海复旦微电子股份有限公司 一种具有非接触ic卡或电子标签及非接触ic卡或电子标签读写器用途的手机装置实现方法
CN101201947A (zh) * 2006-12-13 2008-06-18 J&D易多喜有限公司 多功能电子商务卡及其机卡分离支付方法和用电控制方法
CN101359383A (zh) * 2008-09-23 2009-02-04 中国移动通信集团广东有限公司 一种基于移动通信的非接触卡应用管理系统及管理方法

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1745519A (zh) * 2002-12-07 2006-03-08 健康乐园株式会社 具有ic卡结算功能的移动通信终端
US20090050688A1 (en) * 2007-08-23 2009-02-26 Sony Corporation Electronic wallet device and communication method
CN101252729A (zh) * 2008-04-10 2008-08-27 上海柯源软件有限公司 采用sim卡增强支付类芯片功能的方法
CN101261708A (zh) * 2008-04-21 2008-09-10 中兴通讯股份有限公司 基于支持eNFC功能移动终端的在线支付方法和系统

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103065107A (zh) * 2011-10-21 2013-04-24 中国移动通信集团公司 一种非接触刷卡应用的实现方法以及装置
CN103065107B (zh) * 2011-10-21 2015-12-02 中国移动通信集团公司 一种非接触刷卡应用的实现方法以及装置

Also Published As

Publication number Publication date
CN101833817B (zh) 2014-08-13
CN101833817A (zh) 2010-09-15

Similar Documents

Publication Publication Date Title
WO2010102488A1 (zh) 一种非接触电子支付中实现应用选择的方法及终端
JP5349681B2 (ja) 強化型近距離無線通信端末、スマートカード及びその通信方法
JP3718236B2 (ja) チップカード、および外部機器・チップカード間の通信の方法
AU2008298677B2 (en) Wirelessly executing financial transactions
JP4711970B2 (ja) 予期される事前処置を有するトランザクション・デバイス
US8989663B2 (en) Portable terminal system using a contactless communication unit to enable access to application programs
KR20120040693A (ko) 결제수단 설정 방법
US20230054157A1 (en) Near field communication nfc communication method and apparatus, and electronic device
CN205644774U (zh) 具有扫码支付模块的公交智能终端设备
US20090156238A1 (en) User-friendly over-the-air personalization process for mobile telephone/proximity payment device
JP2012507229A (ja) トークンから又はトークンを介して１つのアプリケーション又はアプリケーションのセットにアクセスする方法及び対応するトークンとシステム
KR20110068116A (ko) 결제 정보를 제공하는 이동통신 단말기, 스마트 카드 및 그 방법
WO2010118612A1 (zh) 一种安装非接触支付应用的方法、智能卡及移动终端
CN101610475A (zh) 业务菜单处理方法及移动终端
KR20110121113A (ko) 매장 주문 처리 시스템과 이를 위한 휴대단말 및 가맹점 단말
KR101156664B1 (ko) 무선 정보 제공 방법
KR20110012595A (ko) 비활성화 결제정보 활성화 처리방법 및 시스템과 이를 위한 기록매체
KR20100013363A (ko) 글로벌 플랫폼 기반 아이씨 카드와 그 운영 방법 및 이를위한 기록매체
JP5724694B2 (ja) 通信装置、通信方法、及び通信処理プログラム
WO2007076705A1 (fr) Procede et systeme permettant d'abaisser la consommation au moyen du terminal mobile rfid et procede de signalement de la perte du terminal
KR101552865B1 (ko) 결제 에이전트 구동 방법
CN103186804A (zh) 智能卡及智能卡的工作方法
KR20090114539A (ko) 금융정보 선정 방법 및 시스템, 금융정보 선정 기능 구비무선 단말과 프로그램 기록매체
KR101478349B1 (ko) 금융 서비스 제공 방법
KR20100102578A (ko) 무선단말을 이용한 아이씨칩 금융정보 우선 순위 선정 방법

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 09841357

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 09841357

Country of ref document: EP

Kind code of ref document: A1