WO2012113333A1 - Système à une carte sur un terminal de communication mobile - Google Patents

Système à une carte sur un terminal de communication mobile Download PDF

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Publication number
WO2012113333A1
WO2012113333A1 PCT/CN2012/071473 CN2012071473W WO2012113333A1 WO 2012113333 A1 WO2012113333 A1 WO 2012113333A1 CN 2012071473 W CN2012071473 W CN 2012071473W WO 2012113333 A1 WO2012113333 A1 WO 2012113333A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
nfc module
communication terminal
identification information
card
Prior art date
Application number
PCT/CN2012/071473
Other languages
English (en)
Chinese (zh)
Inventor
顾建良
Original Assignee
惠州Tcl移动通信有限公司
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 惠州Tcl移动通信有限公司 filed Critical 惠州Tcl移动通信有限公司
Publication of WO2012113333A1 publication Critical patent/WO2012113333A1/fr

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    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/351—Virtual cards
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards

Definitions

  • the present invention relates to a card based technology, and in particular to a card system based on a mobile communication terminal.
  • the industry has developed a card system for campus or industrial parks, which integrates applications such as access control, attendance, canteen consumption, supermarket consumption, book lending and water and electricity payment.
  • the smart IC card plays an important role, and the user can use a smart IC card to consume and apply the campus or industrial park.
  • the smart IC card used in the existing card system is usually a contactless IC card or a contact IC card.
  • the contact type IC card needs a card reading device to cooperate with the card slot, and wears out after a long time of use, so the service life is usually short; the non-contact IC card realizes wireless communication with the card reading device through the radio frequency technology, so The life will be longer than the contact IC card.
  • the above-mentioned card system requires the user to carry the smart IC card with him, and thus it is still inconvenient to use. Moreover, when it is necessary to recharge the smart IC card, the user needs to operate through the device of the management center of the card system, and self-service recharging cannot be realized.
  • the invention provides a card system based on a mobile communication terminal, which solves the problem of inconvenient use of the prior art card system.
  • the card system provided by the invention comprises:
  • a mobile communication terminal comprising a first short-range communication NFC module, the first NFC module having unique identification information;
  • a management control center comprising: a database for storing user account information, the account information of the user having a corresponding relationship with the identification information of the first NFC module of the mobile communication terminal;
  • a card reading device comprising a second NFC module, a microcontroller and an input module
  • the second NFC module is configured to perform with a first NFC module of the mobile communication terminal when the mobile communication terminal performs a card swipe action
  • the communication is used to obtain the identification information of the first NFC module
  • the microcontroller is connected to the second NFC module through an I2C interface, and is configured to receive the identification information, and query the management control center according to the identification information.
  • User account information stored in the database instructing the management control center to complete payment or refill using the user's account, the input module being connected to the microcontroller for inputting a charge to the microcontroller Amount information or recharge amount information.
  • the card system provided by the invention comprises:
  • a mobile communication terminal comprising a first short-range communication NFC module, the first NFC module having unique identification information;
  • a management control center comprising: a database for storing user account information, the account information of the user having a corresponding relationship with the identification information of the first NFC module of the mobile communication terminal;
  • a card reading device comprising a second NFC module and a microcontroller
  • the second NFC module is configured to communicate with a first NFC module of the mobile communication terminal to obtain when the mobile communication terminal performs a card swipe action
  • the identifier information of the first NFC module, the microcontroller is configured to query user account information stored in a database of the management control center according to the identifier information, and instruct the management control center to use an account of the user Complete payment or top up.
  • the card system of the mobile communication terminal provided by the invention utilizes the identification information of the NFC module of the wireless communication terminal carried by the user, so that the user can easily realize the consumption payment or recharge in each card reading device through the wireless communication terminal carried by the user. Wait, without having to carry an extra IC card. Therefore, the card system provided by the present invention can bring great convenience to the daily application of the user.
  • FIG. 1 is a schematic structural diagram of a card system according to an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a mobile communication terminal in the card system shown in FIG. 1;
  • FIG. 3 is a schematic structural view of a card reading device in the card system shown in FIG. 1;
  • FIG. 4 is a schematic structural diagram of a card system according to another embodiment of the present invention.
  • the invention firstly provides a card system based on a wireless communication terminal, and integrates the functions of the smart IC card into the hardware of the mobile communication terminal, so that the wireless communication terminal can also serve as a smart card of the card system while being used as a communication tool. Therefore, the user only needs to enjoy the card function in the card system through the mobile communication terminal in daily application, without additionally carrying other IC cards, thereby facilitating daily consumption and other applications.
  • FIG. 1 is a schematic structural diagram of a card system 100 according to an embodiment of the present invention.
  • the card system 100 can include a management control center 11, a card reading device 12, and a mobile communication terminal 13.
  • each mobile communication terminal 13 is internally integrated with near field communication (Near Field Communication, The NFC) module
  • the mobile communication terminal 13 can implement wireless communication with the card reading device 12 through the NFC module, thereby implementing a consumer payment function.
  • the NFC module has globally unique identification (ID) information, and the identification information can serve as a unique identity of the user of the mobile communication terminal 13 (ie, the cardholder of the card system 100), so that The identification information of the NFC module is associated with the account of the user.
  • ID globally unique identification
  • the card reading device 12 can be disposed as a consumer payment device in a different area (such as a cash register of a supermarket or a dining hall, etc.) for performing a debit payment of the mobile communication terminal, and it can be controlled by a bus interface ( An Ethernet interface or a serial interface is connected to the management control center 11.
  • the management control center 11 is configured to perform centralized management and control of the card system 100, and includes a database storing account information of a user of the mobile communication terminal 13.
  • the mobile communication terminal 13 may include a baseband module 131, a first NFC module 132, a SIM card 133, and a first antenna 134.
  • the baseband module 131 is a main chip of the mobile communication terminal 13 for performing traditional wireless communication and parameter configuration of the first NFC module 132.
  • the first NFC module 132 is connected to the baseband module 131 through an I2C interface to implement parameter configuration, and on the other hand, wireless data can be performed with the card reading device 12 through the first antenna 134 (such as a loop antenna). transmission.
  • the SIM card 133 is connected on the one hand to the baseband module 131 for traditional wireless communication, and on the other hand to the storage of NFC keys, in particular, it can pass the standard single-wire protocol (Single) Wire Protocol (SWP) implements interaction with the first NFC module 132, wherein the SWP protocol interface can be integrated within the first NFC module 132.
  • Single Single-wire protocol
  • SWP Single Wire Protocol
  • the card reading device 12 may include a microcontroller (Micro Control Unit, The MCU) 121, the second NFC module 122, the second antenna 123, the control bus interface 124, the input module 125, and the display module 126.
  • the microcontroller 121 can be implemented by using a single chip computer, and can be connected to the second NFC module 122 through an I2C interface, for controlling the second NFC module 122, and receiving the forwarding by the second NFC module 122.
  • the microcontroller 121 can also be connected to the management control center 11 through the control bus interface 124 to query user account information stored in the database of the management control center 11.
  • the second NFC module 122 can perform wireless data transmission with the mobile communication terminal 13 through the second antenna 123 (such as a loop antenna) under the control of the microcontroller 121.
  • the control bus interface 124 can be a serial interface (such as an RS-485 interface) or an Ethernet interface.
  • the input module 125 and the display module 126 can be respectively a keyboard and an LCD display, both of which are connected to the microcontroller 121, wherein the input module 125 can be used to input the amount of the deduction or the amount of the recharge.
  • the display module 126 can be used to display the user account balance information, the recharge or the output of the microcontroller 121 The amount of deductions, etc.
  • the mobile communication terminal 13 can be brought close to the card reading device 12 to perform a card swipe operation, and the second NFC module 122 in the card reading device 12 can Receiving, by the second antenna 123, a wireless signal (such as a radio frequency signal) provided by the first NFC module 132 in the mobile communication terminal 13 and transmitted through the first antenna 134, wherein the wireless signal carries the first Identification information of an NFC module 132.
  • the second NFC module 122 can convert the wireless signal it receives into an NFC signal and provide it to the microcontroller 121 through an I2C interface. And, the worker inputs the deduction amount information through the input module 125 of the card reading device 12.
  • the microcontroller 121 may be networked with the management control center 11 and query user account information in the database of the management control center 11 according to the identification information of the first NFC module 132, and according to the debit The amount information generates a corresponding control signal to instruct the management control center 11 to modify the user account information in the database, thereby completing the payment deduction using the user's account. Further, after the deduction is completed, the management control center 11 may feed back the account balance information of the user after the deduction to the microcontroller 121, and the microcontroller 121 may correspondingly control the display module 126. The balance information is displayed.
  • the user can perform account refill through the card reading device 12. Specifically, the user may bring the mobile communication terminal 13 close to the card reading device 12 to perform a card swipe action to identify the first NFC module 132 by the first NFC module 132 and the second NFC module 122. Information is provided to the microcontroller 121. The staff can input the corresponding recharge information through the input module 125 according to the charged recharge amount. The microcontroller 121 may query the user account information in the database of the management control center 11 according to the identification information of the first NFC module 132, and generate a corresponding control signal according to the recharge information to indicate the The management control center 11 modifies the user account information in the database to implement refilling. Further, after the refilling is completed, the management control center 11 may feed back the account balance information of the user after recharging to the microcontroller 121, and the microcontroller 121 may correspondingly control the display module 126 to display the location. The balance information.
  • the microcontroller 121 may be further configured with an access control function module (not shown). Show).
  • the access control function module is configured to determine, according to the identification information of the first NFC module, whether the user holding the mobile communication terminal has an access control entry limit when the mobile communication terminal performs a card swiping operation.
  • the access control function module may be configured with a user identification information library having access to the building authority, and the access control of the user may be implemented by the second NFC module 122.
  • the mobile communication terminal 13 can be brought close to the card reading device 12 of the building entrance to perform the card swiping to provide the identification information of the first NFC module 132 to the
  • the microcontroller 121 may further include the identifier information of the first NFC module 132 received by the second NFC module 122 and the user identifier information database in the access control function module. If the matching is successful, the user is allowed to enter the building, and the identification information of the first NFC module 132 is recorded; otherwise, the information that the user enters is displayed through the display module 126. Thereby, the user can easily perform identity verification through the mobile communication terminal 13, thereby realizing access control of the building.
  • the identification information of the first NFC module 132 is unique, the solution can not only realize the access control, but also facilitate the entry and exit management of the building, and even according to the first NFC recorded by the access control function module.
  • the identification information of the module 132 implements attendance control.
  • the user can report the loss through the management control center 11 of the card system 100, and the lost wireless communication terminal 13 through the management control center 11
  • the identification information of the first NFC module 132 is locked to prohibit the pickup from making consumption payment through the wireless communication terminal 13, thereby freezing the user account in the database of the management control center 11, reducing the user's loss of the wireless The loss caused by the communication terminal 13.
  • the user can manually input the identification information of the first NFC module 132 of the wireless communication terminal 13 to the input module 125 of the card reading device 12, and pass the card reading device.
  • the microcontroller 121 of 12 realizes locking of the account.
  • the card system 100 by using the identification information of the NFC module 132 of the wireless communication terminal 13 carried by the user, the user can easily implement the consumer payment at each card reading device 12 through the wireless communication terminal 13 carried by the user. Or recharge, access authentication, etc. without having to carry an extra IC card. Therefore, the card system provided by the present invention can bring great convenience to the daily application of the user. Moreover, the card system 100 can also freeze the user account by locking the identification information of the NFC module 132 of the wireless communication terminal 13, thereby reducing the loss caused by the user accidentally losing the wireless communication terminal 13.
  • FIG. 4 is a schematic structural diagram of a card system 200 according to another embodiment of the present invention.
  • the card system 200 includes a card reading device 22 and a mobile communication terminal 23, which are similar to the implementations of the card reading device 12 and the mobile communication terminal 13 in the card system 100 of the above embodiment, the main difference being that the card system The user account balance information of 200 is directly stored in the SIM card in the mobile communication terminal 23.
  • the microcontroller inside the card reading device 22 can generate a corresponding debit instruction according to the deduction information input by the input module, the reading
  • the NFC module inside the card device 22 establishes NFC communication with the NFC module inside the mobile communication terminal 23 via an antenna and provides the charge instruction to the mobile communication terminal 23, after receiving the charge instruction
  • the mobile communication terminal 23 can modify the account balance in the SIM card according to the debit information carried by the debit instruction to implement the deduction.
  • the card reading device 22 when the user makes a consumer payment, the card reading device 22 can be allowed to have no networking function, and thus the cost is low.
  • the access control function of the card system 100 provided by the above embodiment is also The card system 200 provided in this embodiment can be applied.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un système à une carte sur un terminal de communication mobile, comprenant : un terminal de communication mobile (13), comprenant un premier module NFC (132) possédant des informations d'identification uniques ; un centre de gestion et de commande (11) comprenant une base de données destinée au stockage d'informations de compte d'utilisateur, les informations de compte d'utilisateur correspondant aux informations d'identification du premier module NFC ; un dispositif lecteur de carte (12), comprenant un second module NFC (122) et un microcontrôleur (121). Le second module NFC est utilisé pour communiquer avec le premier module NFC pour recueillir les informations d'identification du premier contrôleur lorsque le terminal de communication mobile exécute un balayage de carte. Le microcontrôleur est utilisé pour interroger, conformément aux informations d'identification, la base de données du centre de gestion et de commande pour les informations de compte d'utilisateur stockées et pour donner des instructions au centre de gestion et de commande pour effectuer un paiement ou un rechargement en utilisant le compte d'utilisateur. En utilisant le système, un utilisateur peut effectuer des paiements de consommation ou des rechargements en utilisant un terminal de communication sans fil portable.
PCT/CN2012/071473 2011-02-25 2012-02-22 Système à une carte sur un terminal de communication mobile WO2012113333A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN2011100463298A CN102184593A (zh) 2011-02-25 2011-02-25 基于移动通信终端的一卡通系统
CN201110046329.8 2011-02-25

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