WO2012148304A1 - Système de paiement impliquant l'utilisation d'une carte à puce et d'un substrat de carte sim - Google Patents

Système de paiement impliquant l'utilisation d'une carte à puce et d'un substrat de carte sim Download PDF

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Publication number
WO2012148304A1
WO2012148304A1 PCT/RU2011/000789 RU2011000789W WO2012148304A1 WO 2012148304 A1 WO2012148304 A1 WO 2012148304A1 RU 2011000789 W RU2011000789 W RU 2011000789W WO 2012148304 A1 WO2012148304 A1 WO 2012148304A1
Authority
WO
WIPO (PCT)
Prior art keywords
substrate
sim card
mobile communication
card
communication device
Prior art date
Application number
PCT/RU2011/000789
Other languages
English (en)
Russian (ru)
Inventor
Сергей Павлович СУЛЬГИН
Михаил Юрьевич ЛЯЩ
Original Assignee
Общество С Ограниченной Ответственностью "Усп Компьюлинк"
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 Общество С Ограниченной Ответственностью "Усп Компьюлинк" filed Critical Общество С Ограниченной Ответственностью "Усп Компьюлинк"
Priority to RU2012148577/08A priority Critical patent/RU2520324C1/ru
Publication of WO2012148304A1 publication Critical patent/WO2012148304A1/fr

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
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • 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
    • G06Q20/353—Payments by cards read by M-devices

Definitions

  • the present invention relates to payment systems that provide for the use of smart cards and mobile communications.
  • a disadvantage of the known payment system is the need for mandatory use of a mobile communication device made with bluetooth (bluetooth), which limits the use of this payment system.
  • a set of a smart card and a substrate for a SIM (Subscriber Identification Module) SIM card has not been identified.
  • a smart card is known that is capable of exchanging data with a mobile communication device, see international publication WO 2009/039419 of March 26, 2009 of international application PCT / US2008 / 077089, and a SIM card substrate with an integrated microcontroller, for example, see patent US6775725 of 08/10/2004 and patent US7303137 of 04/04/2007.
  • the technical result achieved in the claimed payment system is the ability to use in this system any means of mobile communication using a SIM card.
  • This technical result is achieved thanks to a universal tool - a substrate for a SIM card that provides data exchange with a smart card, and more precisely, thanks to a set of smart cards and a substrate for a SIM card.
  • the technical result achieved in the claimed set of smart cards and the substrate for the SIM card is that data exchange is implemented between them. Moreover, the use of the kit is universal, since it can be used in the payment system by almost any user of a mobile communication device.
  • a payment system including payment terminals, an information processing center, a smart card and a mobile communication device with a SIM card, the processing center being configured to send and receive messages via mobile communication, and the mobile communication device and the smart card is capable of exchanging data with each other over the air, since the SIM card of the mobile communication device is provided with a substrate made with contact interfaces on both sides of the plug-ins for connecting to a SIM card and to a mobile communication device, a microcontroller and a transceiver with an antenna for exchanging data with a smart card via a radio channel.
  • Data exchange between a smart card and a mobile communication device can be carried out in the high-frequency range of radio waves, at a distance of up to 10 m.
  • a smart card can be made with contact and / or contactless interfaces for interaction with readers of payment terminals and contain a microcontroller, a battery, a flat spiral antenna, and a transceiver with a built-in antenna for exchanging data via a radio channel with a substrate for a SIM card of a mobile communication device.
  • the specified technical result is achieved in a set of a smart card and a substrate for a SIM card installed in a slot of a mobile communication device along with a SIM card and made with contact interfaces for connecting to a SIM card and a mobile communication device, and the substrate for a SIM card, and a smart card for exchanging data between them over the air is made with a microcontroller and a transceiver with an antenna.
  • the substrate for the SIM card and smart card can be configured to exchange data between them in the high-frequency range of radio waves, at a distance of up to 10 m.
  • the smart card can be made with a contact and / or contactless interface for interaction with the corresponding reader ⁇
  • the substrate for the SIM card installed with the SIM card in the socket of a mobile communication device is made with contact interfaces for connecting to a SIM card and a mobile communication device, and with a microcontroller and a transceiver mounted on a substrate with an antenna connected to the microcontroller.
  • the substrate can be made of two layers of a polyimide film, and the wiring from the contact interfaces and the transceiver to the microcontroller can be made between the layers of polyimide.
  • the microcontroller and transceiver with antenna can be mounted in the substrate from the contact interface to connect to the SIM card.
  • the microcontroller and the transceiver with the antenna can be mounted in the substrate from the contact interface for connection to a mobile communication device.
  • the substrate can be made of two-layer polyimide.
  • the substrate may further include a layer of glue applied in the form of strips along the edges of the substrate, for connection with a SIM card.
  • FIG. 1 shows a diagram of a payment system in which a set of a smart card and a substrate for a SIM card is shown.
  • FIG. 2 and FIG. 3 shows the options for the implementation of the substrate for the SIM card.
  • FIG. 1 is a diagram of a payment system including a payment terminal 1, an associated information processing center 2, a smart card 3 and a mobile phone 4 with a SIM card 5 and a substrate 6 for a SIM card installed in the telephone jack, and the information processing center 2 is configured with the ability to send and receive messages over mobile communications, and the substrate for the SIM card 6 and smart card 3 are configured to exchange data with each other over the air.
  • the support for SIM card 6 and smart card 3 are the kit, using which the phone user becomes the user of the corresponding payment system.
  • Smart card 3 includes a microcontroller 7 and a transceiver 8 with an antenna connected to it, operating in the high-frequency range of radio waves for data exchange with the SIM card substrate 6 and a protected microcontroller 9 with a transceiver and antenna operating at a frequency of 13.56 MHz, for exchange data with the reader of the payment terminal.
  • the substrate 6, installed in the telephone jack with the SIM card 5 is made of a two-layer polyimide with a thickness of contact interface 10 for connecting to a SIM card 5, and on the reverse side with a contact interface similar to that of a SIM card for connecting to a mobile phone, microcontroller (chip) 11 and transceiver 12 with antenna 13 operating in the high-frequency range of radio waves for data exchange with a smart card over the air.
  • 14 an adhesive layer deposited on a substrate and covered with a film that is removed before connecting the substrate to the SIM card.
  • the wiring from the interface to the microcontroller (chip) and from the microcontroller to the transceiver is made between the layers of polyimide.
  • the thickness of the substrate in the kit with the SIM card does not exceed 1.36 mm, which ensures the placement of the kit in the phone jack for the SIM card.
  • microcontroller (chip) and transceiver are placed in Fig.Z, where 6 is a substrate made of a two-layer polyimide.
  • the substrate can also be made of textolite, or fiberglass, or getinaksa, as well as fluoroplastic, ceramic, polyimide materials, for example, kapton.
  • a contact interface 15 is applied to the substrate, similar to the SIM card interface, designed to connect the microcontroller 1 1 (chip) in the phone, the wiring from the interface to the microcontroller (chip) is made between the layers of polyimide.
  • transceiver 12 with built-in antenna 13, operating in the high frequency range of radio waves.
  • a contact interface is made for connecting the microcontroller (chip) to the SIM card 5.
  • 16 an adhesive layer deposited on the substrate on the side adjacent to the SIM card.
  • the microcontroller can be mounted in the substrate from the side of the contact interface for connecting to a mobile communications device, and the transceiver with an antenna from the side of the contact interface for connecting to a SIM card. And vice versa: the microcontroller can be mounted on a substrate on the side of the contact interface for connecting to a SIM card, and a transceiver on the side on the side of the contact interface for connecting to a mobile communications device
  • the microcontroller 1 1 has the ability to exchange data with the server software information processing center 2 (Fig. 2) using a mobile phone 4. (Fig. 2) through the network of a cellular operator.
  • the microcontroller 1 1 loads the software (operating system), which, in fact, is a software platform for hosting corporate enterprise applications (services) intended for the end user in the microcontroller 1 1.
  • the transceiver 8 in a smart card is an analogue of a transceiver mounted in a substrate 12. Data transmission between two transceivers is organized via a protected channel of the high-frequency range of radio waves. Range up to Yu m.
  • a secure microcontroller 9 in a contactless bank card is designed to store sensitive information.
  • This microcontroller has two interfaces (Dual Interface Security Controller).
  • the first interface is a pin interface that complies with the IS07816 standard for bank cards.
  • the second interface is non-contact, complying with the ISO 14443 standard.
  • the non-contact interface operates at a frequency of 13.56 MHz using a flat helical antenna connected to a protected microcontroller.
  • This interface allows you to interact with the existing infrastructure of contactless card readers and public transport access systems.
  • the pair works as follows.
  • the reader contains a generator that powers the reader's antenna.
  • the reader s antenna radiation is received by the smart card antenna and is used to power the microcircuit (chip), which, when the power appears with the help of a modulator (M), begins to modulate the signal reader code recorded in read-only memory (ROM) cards.
  • M modulator
  • the modulated signal in the reader is detected, amplified and fed to the microcontroller, which converts the signal received from the contactless card to a form convenient for transmission to an external device to which the reader is connected.
  • Contactless cards interact with the reader according to the protocol defined by the IS014443 standard, at a distance of up to 10 cm.
  • substrate 6 with a microcontroller 1 1 and a contactless bank card (smart card) - allows you to:
  • - service providers banks, public transport systems, retail enterprises, mobile operators
  • wireless communication channels for example, GPRS, Wi-Fi
  • the client receives the following options for using his card, including due to the ability to control the card through the mobile phone interface:

Landscapes

  • 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)
  • Telephone Function (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un système de paiement comprenant un terminal de paiement, un centre de traitement d'informations connecté à celui-ci, une carte à puce et un moyen de communication mobile. Le centre de traitement d'informations est capable de transmettre et de recevoir des communications par liaison mobile. La carte SIM du moyen de communication mobile comprend un substrat qui comporte une micro-unité de commande et un émetteur-récepteur avec une antenne, et qui comprend des interfaces de contact en vue de la connexion à la carte SIM et au moyen de communication mobile. La carte à puce comprend un émetteur-récepteur analogique avec une antenne afin d'échanger des données avec le substrat de la carte SIM via un canal radio.
PCT/RU2011/000789 2011-04-26 2011-10-10 Système de paiement impliquant l'utilisation d'une carte à puce et d'un substrat de carte sim WO2012148304A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
RU2012148577/08A RU2520324C1 (ru) 2011-04-26 2011-10-10 Платежная система и комплект из подложки для сим карты и смарт-карты

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
RU2011116432 2011-04-26
RU2011116432 2011-04-26

Publications (1)

Publication Number Publication Date
WO2012148304A1 true WO2012148304A1 (fr) 2012-11-01

Family

ID=47072586

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/RU2011/000789 WO2012148304A1 (fr) 2011-04-26 2011-10-10 Système de paiement impliquant l'utilisation d'une carte à puce et d'un substrat de carte sim

Country Status (2)

Country Link
RU (1) RU2520324C1 (fr)
WO (1) WO2012148304A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107392586A (zh) * 2017-06-16 2017-11-24 南京维智感网络科技有限公司 基于接近关系检测的二维码支付系统与方法

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060175417A1 (en) * 2005-02-04 2006-08-10 Chun-Hsin Ho Dual integrated circuit card system
RU72375U1 (ru) * 2007-12-10 2008-04-10 Закрытое акционерное общество "Научно-производственное предприятие "Оптические и электронные комплексы и системы" (ЗАО "НПП "ОПТЭКС") Многослойная печатная плата
US20090036166A1 (en) * 2007-07-31 2009-02-05 Hong-Kai Yen Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device
WO2009039419A1 (fr) * 2007-09-21 2009-03-26 Wireless Dynamics, Inc. Carte à puce sans fil et réseau de zone personnelle intégré, communication en champ proche et système de paiement sans contact
RU97582U1 (ru) * 2009-11-27 2010-09-10 Сергей Павлович Сульгин Сим карта с адаптером (варианты), адаптер и устройство для сборки сим карты с адаптером
EP2302568A2 (fr) * 2009-09-16 2011-03-30 Phytrex Technology Corporation Dispositif d'antenne

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2794547B1 (fr) * 1999-06-03 2001-08-24 Gemplus Card Int Preparation et execution d'un programme dans une carte a puce additionnelle d'un terminal

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20060175417A1 (en) * 2005-02-04 2006-08-10 Chun-Hsin Ho Dual integrated circuit card system
US20090036166A1 (en) * 2007-07-31 2009-02-05 Hong-Kai Yen Combi-SIM card framework of electronic purse combining non-contacting transceiver of mobile device
WO2009039419A1 (fr) * 2007-09-21 2009-03-26 Wireless Dynamics, Inc. Carte à puce sans fil et réseau de zone personnelle intégré, communication en champ proche et système de paiement sans contact
RU72375U1 (ru) * 2007-12-10 2008-04-10 Закрытое акционерное общество "Научно-производственное предприятие "Оптические и электронные комплексы и системы" (ЗАО "НПП "ОПТЭКС") Многослойная печатная плата
EP2302568A2 (fr) * 2009-09-16 2011-03-30 Phytrex Technology Corporation Dispositif d'antenne
RU97582U1 (ru) * 2009-11-27 2010-09-10 Сергей Павлович Сульгин Сим карта с адаптером (варианты), адаптер и устройство для сборки сим карты с адаптером

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107392586A (zh) * 2017-06-16 2017-11-24 南京维智感网络科技有限公司 基于接近关系检测的二维码支付系统与方法
CN107392586B (zh) * 2017-06-16 2024-05-17 深圳市一敏商用设备有限公司 基于接近关系检测的二维码支付系统与方法

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