WO2012163254A1 - 利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置 - Google Patents

利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置 Download PDF

Info

Publication number
WO2012163254A1
WO2012163254A1 PCT/CN2012/076116 CN2012076116W WO2012163254A1 WO 2012163254 A1 WO2012163254 A1 WO 2012163254A1 CN 2012076116 W CN2012076116 W CN 2012076116W WO 2012163254 A1 WO2012163254 A1 WO 2012163254A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
ultrasonic
reading device
integrated circuit
interface integrated
Prior art date
Application number
PCT/CN2012/076116
Other languages
English (en)
French (fr)
Inventor
罗魏熙
Original Assignee
Luo Weixi
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 Luo Weixi filed Critical Luo Weixi
Publication of WO2012163254A1 publication Critical patent/WO2012163254A1/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
    • 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]
    • G—PHYSICS
    • G01—MEASURING; TESTING
    • G01S—RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES
    • G01S11/00—Systems for determining distance or velocity not using reflection or reradiation
    • G01S11/16—Systems for determining distance or velocity not using reflection or reradiation using difference in transit time between electrical and acoustic signals
    • 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]
    • G06Q20/3224—Transactions dependent on location 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
    • G06Q20/32—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
    • G06Q20/3272—Short range or proximity payments by means of M-devices using an audio code
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/0893—Details of the card reader the card reader reading the card in a contactless manner

Definitions

  • the present invention relates to the field of card swipe based on mobile terminals, and more particularly to determining that a mobile terminal swipes within a set safe distance by using ultrasonic waves. Method and apparatus.
  • 3 ⁇ 4 fc ⁇ technology With the popularity of mobile phones, the business needs of mobile payment (mainly mobile payment) are very urgent. Among the various applications of mobile payment, the convenience of on-site micropayment is welcomed by users.
  • the basic requirement for mobile micropayments is that they are easy to use and safe.
  • One of the convenience requirements for on-site micropayment is that the payment operation can be completed very quickly. For example, in the use of the subway, due to the high population density, it is required to realize the operation of deducting (or returning) the subway fare within 0.3 seconds, and quickly complete the payment.
  • the operation also facilitates passengers entering and exiting the gate to avoid the accumulation of a large number of passengers at the subway gate, thereby saving passenger time.
  • One of the security requirements for on-site micropayment is that the user can deduct the fee only when the payment card (or mobile phone) is within the safe distance of the POS machine (for example, within 10cm), and the user can know the consumption amount in time, and can Check the list of consumption records to avoid the problem of arbitrary charges.
  • Bus cards that currently use the 13.56MHz RFID scheme have been widely used in subway buses, but they also expose security issues. For example, in bus payments, there have been reports of some privately contracted bus lines, where there is a problem of overcharge for ticket sellers. Since the current bus card cannot display the charge amount, it is not possible to check the consumption list, and other query methods are too cumbersome.
  • the ticket seller uses the defect that most passengers never see or can not see the fare of the ride, overcharges, and even deliberately blocks the monitor display, and then overcharges.
  • the popular mobile phone has a liquid crystal display and a keyboard, and can view the payment list at any time, so that the small payment by the mobile phone in the future can be made more secure.
  • the fraudster or the attacker can increase the relay by adding The method of the amplifier makes the receiver mistakenly think that the electromagnetic field signal is strong enough and the distance is close enough to achieve the purpose of swiping the card outside the safe distance.
  • the confirmation function must be completed on the mobile phone to complete the function of swiping the card, so that the security of the swipe card can be ensured, but at the same time, the convenience of swiping the card is lost.
  • the confirmation operation is generally used in situations where the security requirements such as large-value payment are high and the convenience requirements are low.
  • the technical problem to be solved by the present invention is to prevent a fraudster or an attacker from implementing a credit card outside a safe distance to ensure card security, and at the same time, to ensure convenient use of ultrasonic waves to determine a mobile terminal to swipe within a set safe distance.
  • a method for determining a mobile terminal credit card within a set safe distance by using ultrasonic waves includes the following steps:
  • the multi-interface integrated circuit function module disposed in the mobile terminal transmits data information by using a radio
  • the card reading device After receiving the data information, the card reading device transmits the received data information and/or the processed data information by means of ultrasonic waves; the processing process refers to calculating the received data information to obtain another data information related to the original data.
  • the processing includes an encryption operation processing of the data information, a check code for calculating the data information, an error correction code for calculating the data information, a hash function value for calculating the data information, and/or a message authentication code (MAC) for calculating the data information.
  • MAC message authentication code
  • the multi-interface integrated circuit function module demodulates and decodes the data information therein, and compares whether the received data information matches the sent data information;
  • 5 multi-interface integrated circuits compare the calculated distance between the multi-interface integrated circuit function module and the card reading device with the set safety distance, if the distance between the multi-interface integrated circuit function module and the card reading device is less than the set The safe distance allows the card to be swiped.
  • the multi-interface integrated circuit function module measures its own acceleration, and recognizes the user's card-sending confirmation action. If the multi-interface integrated circuit function module does not recognize the user's card-sending confirmation action, the card is prohibited from being swiped.
  • a method for determining a mobile terminal credit card within a set safe distance by using ultrasonic waves comprising the steps of: 1
  • the card reading device transmits data information by means of ultrasonic waves;
  • the multi-interface integrated circuit function module disposed in the mobile terminal demodulates and decodes the data information, and sends the data information and/or the processed data information to the card reading device by radio;
  • the processing refers to a process of calculating data information related to the original data after performing the operation of the received data information, and the processing includes the encryption operation processing of the data information, the verification code for calculating the data information, the error correction code for calculating the data information, Calculating a hash function value of the data information and/or a message authentication code (MAC) for calculating the data information;
  • MAC message authentication code
  • the card reading device After the card reading device receives the radio information sent by the multi-interface integrated circuit function module, the card reading device compares whether the data information matches the transmitted data information;
  • the time difference between the time when the radio information is received and the time when the ultrasonic information is transmitted is calculated, and the time difference value is converted into a multi-interface integrated circuit.
  • the card reading device compares the calculated distance between the multi-interface integrated circuit function module and the card reading device with the set safety distance, if the distance between the multi-interface integrated circuit function module and the card reading device is less than the set security Distance is allowed to be swiped.
  • the multi-interface integrated circuit function module measures its own acceleration, and recognizes the user's swipe card confirmation action. If the multi-interface integrated circuit function module does not recognize the user swipe card confirmation action, the multi-interface integrated circuit function module refuses to complete the subsequent swipe operation. .
  • a card reading device comprising a card reading device controller, a radio transceiver processing module, an ultrasonic transmitting module and a card reader interface circuit;
  • the radio transceiver processing module is connected with the card reading device controller, and the external multi-interface integrated circuit function Two-way radio communication between modules;
  • ultrasonic transmitting module is connected with card reading device controller for ultrasonic generation, encoding, modulation, driving and transmitting;
  • card reader interface circuit is connected with card reading device controller, card reader interface circuit Realize communication between the card reader and the main circuit of the external card reader.
  • the ultrasonic transmitting module is composed of an ultrasonic electric signal generating module and an ultrasonic transmitter.
  • the ultrasonic electric signal generating module is connected with the ultrasonic transmitter, and the ultrasonic electric signal generating module generates the required ultrasonic electric signal, and the ultrasonic electric signal drives the ultrasonic transmitter to generate the ultrasonic wave to be emitted into the air.
  • Ultrasonic transmitters are mainly made up of piezoelectric ceramics, magnetostrictive materials, and Micro Electro Mechanical Systems. Or piezoelectric polymer composition.
  • a multi-interface integrated circuit card comprising a card body and a multi-interface integrated circuit function module, the multi-interface integrated circuit function module further comprising a control circuit, a wired interface, a radio transceiver processing module, an ultrasonic receiving module and a card swiping function module; Connected to the control circuit, the multi-interface integrated circuit function module is connected to the external mobile terminal through a wired interface; the radio transceiver processing module is connected with the control circuit, and is responsible for bidirectional radio data information exchange with the external card reading device; the ultrasonic receiving module is connected with the control circuit Receiving an ultrasonic signal transmitted by the external card reading device, and obtaining data information sent by the card reading device from the received ultrasonic signal, and calculating a distance between the multi-interface integrated circuit function module and the card reading device according to the ultrasonic propagation time value; The card swiping function module is connected with the control circuit, and cooperates with the external card reading device and the mobile terminal to complete the card
  • the ultrasonic receiving module is composed of an ultrasonic sensor and an ultrasonic receiving processing circuit.
  • the ultrasonic sensor is connected to the ultrasonic receiving processing circuit, and converts the ultrasonic signal into an ultrasonic electric signal and sends it to the ultrasonic receiving processing circuit for processing.
  • the ultrasonic receiving processing circuit processes the ultrasonic electric signal sent from the ultrasonic sensor, demodulates and decodes the data information therein, and calculates the distance between the multi-interface integrated circuit card and the card reading device according to the ultrasonic propagation time value.
  • the internal circuit of the mobile terminal comprises a multi-interface integrated circuit function module, the multi-interface integrated circuit function module further comprises a control circuit, a radio transceiver processing module, an ultrasonic receiving module and a card swiping function module; a radio transceiver processing module and The control circuit is connected, and is responsible for bidirectional radio data information exchange with the external card reading device; the ultrasonic receiving module is connected with the control circuit, receives the ultrasonic signal transmitted by the external card reading device, and obtains the data sent by the card reading device from the received ultrasonic signal.
  • the information is calculated according to the ultrasonic propagation time value to obtain the distance between the mobile terminal and the card reading device;
  • the ultrasonic receiving module is composed of an ultrasonic sensor and an ultrasonic receiving processing circuit, and the ultrasonic sensor is connected with the ultrasonic receiving processing circuit to convert the ultrasonic signal into an ultrasonic electrical signal.
  • the ultrasonic receiving processing circuit processes the ultrasonic electric signal sent by the ultrasonic sensor, demodulating and decoding the data information therein; according to the ultrasonic propagation time value
  • the distance between the mobile terminal and the card reading device is calculated.
  • the card swiping function module is connected to the control circuit, and cooperates with the external card reading device and the mobile terminal to complete the card swiping operation under the control of the control circuit.
  • the multi-interface integrated circuit functional module further includes an optional acceleration measurement processing module connected to the control circuit, and the acceleration measurement processing module further includes an acceleration sensor and a processing circuit. Acceleration measurement processing module receives processing from The acceleration of the body changes information to identify a specific motion action.
  • the ultrasonic sensor can convert ultrasonic waves into electrical signals by piezoelectric crystals, piezoelectric ceramics, piezoelectric materials, MEMS (Micro Electro Mechanical Systems), piezoelectric semiconductors, piezoelectric high polymers, piezoelectric composite materials or other prior art.
  • Piezoelectric polymers include the following materials: polyvinyl chloride, polytetrafluoroethylene, polyvinylidene fluoride, polypropylene, fluorinated ethylene propylene copolymer, polychlorotrifluoroethylene, polyimide, polyvinylidene fluoride, Vinylidene dicyanoacrylate, polyurea.
  • the technical effect of the present invention is that: the problem that the electromagnetic field strength varies with distance can be avoided to easily be deceived and attacked when measuring distance, and the card swipe operation implemented by the present invention, such as mobile payment or access control card swiping, can be avoided. Even in the case of deception and attack, it is still possible to swipe the card only within the set security distance; at the same time, it can ensure the convenience of swiping.
  • FIG. 1 is a schematic structural view of a card swipe system used by a multi-interface integrated circuit card of the present invention for determining a method for swiping a mobile terminal within a set safe distance by using ultrasonic waves;
  • FIG. 2 is a block diagram showing the structure of a multi-interface integrated circuit card of the present invention.
  • FIG. 3 is a block diagram showing the structure of the card reading device of the present invention.
  • FIG. 4 is a schematic flow chart of an embodiment of a method for determining a mobile terminal credit card within a set safety distance by using ultrasonic waves according to the present invention
  • Fig. 5 is a flow chart showing another embodiment of the method for determining a credit card of a mobile terminal within a set safe distance by using ultrasonic waves.
  • FIG. 6 is a schematic structural diagram of a card swiping system used by a mobile terminal of the present invention for determining a method for swiping a mobile terminal within a set safe distance by using an ultrasonic wave;
  • FIG. 7 is a block diagram showing the structure of a mobile terminal of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
  • the preferred embodiments shown in the drawings will be further described in detail.
  • Integrated circuit card An electronic product in which an integrated circuit is stored in a card to store and process data.
  • the integrated circuit card described herein includes the following products: SD card (Secure Digital Memory Card), MMC card (MultiMediaCard), Memory Stick, SM card (SmartMedia), SIM card (Subscriber Identity Module), USIM card ( Universal Subscriber Identity Module ), UIM Card ( User Identity Model ).
  • the interface for information and energy exchange with the outside world has two or more interfaces.
  • the main interfaces are: wired interface, radio interface, ultrasonic receiving interface, acceleration receiving interface.
  • Mobile terminal An electronic device that is lightweight, can be powered from a battery, and can be used without a cable to connect to other electronic devices.
  • the mobile terminal described herein includes the following electronic devices MP3 player, handheld game console, GPS, PDA (Personal Digital Assistant), digital camera, electronic dictionary, handheld cash register, mobile phone, smart phone and the like.
  • the card is the process of exchanging communication and data information between the multi-interface integrated circuit function module and the card reading device, and the creation, storage, modification, reading, verification and comparison of data information in the multi-interface integrated circuit function module in the process. , deal with.
  • the card described herein includes an electronic payment card and an access card and an identification and authentication process for the multi-interface integrated circuit function module.
  • Ultrasonic waves travel at a constant speed in air (about 330 meters per second), far less than the propagation speed of radio waves, and are more suitable for close-range measurements.
  • the ultrasonic propagation time is proportional to the propagation distance.
  • a relatively safe card swipe function can be realized by using a mobile terminal or a mobile terminal plus the multi-interface integrated circuit card of the present invention.
  • users need to use the swipe function they only need to replace the original integrated circuit card (such as sim card) in the mobile terminal (such as mobile phone) with multi-interface integrated circuit card (multi-interface sim card), or directly use multi-interface integrated circuit.
  • the mobile terminal of the function module is sufficient.
  • a card reader such as a POS machine of the subway company
  • the mobile terminal or the multi-interface integrated circuit card can measure the distance from the card reading device, and if the distance is too far, the card is prohibited from being swiped, thereby ensuring the security of the user of the mobile terminal.
  • the card reading device in the card reader can measure the distance from the mobile terminal or the multi-interface integrated circuit card. If the distance is too far, the card is prohibited from being swiped, thereby ensuring the security of the card reader user.
  • Multi-interface integrated circuit cards do not belong to mobile terminals themselves. In addition to being installed in mobile terminals (such as mobile phones), multi-interface integrated circuit cards can also be installed on other non-mobile terminals (such as USB card readers). Used inside).
  • the card swiping system mainly comprises a multi-interface integrated circuit card, a card reading device 2, a mobile terminal and a card reader main circuit 6, wherein the card reading device 2 and the card reader main circuit 6 form a card reader 5.
  • the multi-interface integrated circuit card and the mobile terminal are connected by a plurality of metal wires and a plurality of connection contacts, that is, the multi-interface integrated circuit card is connected to the mobile terminal by means of a wired interface.
  • the multi-interface integrated circuit card and the mobile terminal can communicate data information through a wired interface, and the mobile terminal can provide the power required for the operation of the multi-interface integrated circuit card through the wired interface. Under normal use, the user holds the mobile terminal to actively move.
  • a multi-interface integrated circuit card with an acceleration measurement processing module can measure its own acceleration changes to identify specific actions of the user. This particular action can be used by the user to confirm the swipe operation.
  • the acceleration measurement processing module is an optional module for a multi-interface integrated circuit card, not a required module.
  • the card swiping system mainly includes a mobile terminal having a multi-interface integrated circuit function module, a card reading device 2, and a card reader main circuit 6.
  • the card reading device 2 and the card reader main circuit 6 form a card reader 5.
  • the user moves the mobile terminal actively, and at this time, the mobile terminal having the acceleration measurement processing module can measure its own acceleration change, thereby identifying the specific action of the user. This particular action can be used by the user to confirm the card swipe operation.
  • the acceleration measurement processing module is an optional module of the mobile terminal, not a required module.
  • the card reader 5 is composed of a card reading device 2 and a card reader main circuit 6.
  • the card reader device 2 and the card reader main circuit 6 have a signal and power connection.
  • the card reader main circuit 6 supplies a card reader.
  • the card reading device 2 and the card reader main circuit 6 exchange information data such as credit cards.
  • the card reading device 2 exchanges information data with the mobile terminal or the multi-interface integrated circuit card through the wireless interface, and also measures the distance between each other.
  • the first type is a two-way communication radio communication interface, and the other One is a one-way ultrasonic signal interface.
  • the ultrasonic signal is emitted from the card reading device 2 and received by the mobile terminal or a multi-interface integrated circuit card.
  • the card reading device 2 and the mobile terminal or the multi-interface integrated circuit card determine the distance to the other party by measuring the delay time of the ultrasonic signal from the card reading device 2 to the mobile terminal or the multi-interface integrated circuit card.
  • a multi-interface integrated circuit card includes a card body (shown in the figure) and a multi-interface integrated circuit function module 1.
  • the multi-interface integrated circuit function module 1 further includes a control circuit 15, a wired interface 11, and a radio.
  • a mobile terminal includes a multi-interface integrated circuit function module, and the multi-interface integrated circuit function module further includes a control circuit 15, a radio transceiver processing module 12, an ultrasonic receiving module 13, and an optional acceleration measuring processing module 14. And swipe function module 16.
  • the control circuit 15 and the radio transceiver processing module 12, the wired interface 11, the ultrasonic receiving module 13, the optional acceleration measuring processing module 14, and the card swiping function, respectively Module 16 is connected.
  • the control circuit 15 is capable of implementing various functions of a conventional integrated circuit card.
  • Conventional integrated circuit cards include an SD card (Secure Digital Memory Card), an MMC card (MultiMediaCard), a Memory Stick, a SM card (SmartMedia), a SIM card (Subscriber Identity Module), a USIM card (Universal Subscriber Identity Module), and UIM card (User Identity Model).
  • the control circuit 15 contains a CPU and a memory as well as a software program.
  • control circuit 15 is connected to the radio transmission and reception processing module 12, the ultrasonic receiving module 13, the optional acceleration measuring processing module 14, and the swipe function module 16, respectively.
  • Control circuit 15 is capable of implementing various functions of conventional integrated circuit cards.
  • the control circuit 15 contains a CPU and a memory and a software program.
  • the wired interface 11 of the multi-interface integrated circuit card shown in FIG. 2 is connected to the control circuit 15, and the multi-interface integrated circuit card is connected to the external mobile terminal through the wired interface 11.
  • the wired interface 11 is composed of a plurality of wires and a plurality of contacts, and is responsible for data information exchange with an external mobile terminal, and can provide working power to the multi-interface integrated circuit card.
  • the wired communication method can use various existing mature wired communication method technologies, and can also be customized and improved according to application requirements, for example, the methods and protocols in the IS07816 standard can be used.
  • the radio transceiver processing module 12 is connected to the control circuit 15 and is responsible for bidirectional radio data information exchange with the external card reading device.
  • the radio transceiver processing module 12 is composed of an antenna and a processing circuit, and a part of the circuit is integrated in the integrated circuit.
  • the method technology of radio communication namely, modulation and demodulation, codec and communication protocol, can use various existing mature radio communication method technologies, and can also define and improve methods according to application requirements.
  • the antenna technology can use various existing mature antenna technologies, and can also use the latest antenna technology according to the continuous development of antenna technology.
  • the ultrasonic receiving module 13 is connected to the control circuit 15.
  • the ultrasonic receiving module 13 is composed of an ultrasonic sensor 131 and an ultrasonic receiving processing circuit 132, and is capable of receiving an ultrasonic signal transmitted by an external card reading device, and can obtain data information sent by the card reading device from the received ultrasonic signal, and measure the ultrasonic wave from reading.
  • the ultrasonic wave propagation time is obtained by subtracting the time of the ultrasonic wave from the time when the ultrasonic wave is received, and the distance between the two is obtained by converting the propagation time value.
  • the ultrasonic sensor 131 can convert ultrasonic waves into electricity by piezoelectric crystals, piezoelectric ceramics, piezoelectric materials, MEMS (Micro Electro Mechanical Systems), piezoelectric semiconductors, piezoelectric high polymers, piezoelectric composite materials, or other prior art.
  • Piezoelectric polymers include the following materials: polyvinyl chloride, polytetrafluoroethylene, polyvinylidene fluoride, polypropylene, fluorinated ethylene propylene copolymer, polychlorotrifluoroethylene, polyimide, polyvinylidene fluoride, Vinylidene dicyanopropane copolymer and polyurea.
  • the ultrasonic sensor 131 receives the ultrasonic wave and converts the ultrasonic wave into an ultrasonic electric signal, and sends the ultrasonic electric signal to the ultrasonic wave receiving processing circuit 132. After the ultrasonic wave is converted into the ultrasonic electric signal, the subsequent processing is processed according to the method of the electric signal, wherein the demodulation and decoding method of the data information carried by the ultrasonic signal can use various methods that have been maturely applied in radio communication, and can also be used according to the needs of the application. Customize and improve the method.
  • An optional acceleration measurement processing module 14 is coupled to the control circuit 15.
  • the acceleration measurement processing module 14 is composed of an acceleration sensor and a processing circuit, and is capable of measuring the acceleration of the mobile terminal or the multi-interface integrated circuit card, and by extracting the acceleration variation feature, the user specific action can be determined. This particular action can be used by the user to confirm the card swipe operation.
  • the acceleration measurement processing module 14 is an optional module of a mobile terminal or a multi-interface integrated circuit card, and is not a required module.
  • the swipe function module 16 is connected to the control circuit 15.
  • the card swiping function module 16 is mainly a software module, which is composed of a mobile terminal or a cpu and a memory in a multi-interface integrated circuit card, and cooperates with an external card reading device and a mobile terminal to complete the card swiping operation under the control of the cpu and the program.
  • the card reading device 2 of the present invention includes a card reading device controller 21, a radio transmission/reception processing module 22, an ultrasonic transmission module 23, and a card reader interface circuit 24.
  • the card reader interface circuit 24 is connected to the card reading device controller 21 and the external card reader main circuit 6, and the card reader interface circuit 24 realizes communication between the card reading device 2 and the card reader main circuit 6, and is also provided for reading the card.
  • the card reading device controller 21 is connected to the radio transmission/reception processing module 22, the ultrasonic transmission module 23, and the card reader interface circuit 24.
  • the card reading device controller 21 contains modules such as a CPU memory and software.
  • the card reading device controller 21 performs various functions such as control, operation, communication, and card swipe under the control of the CPU and software.
  • the radio transceiver processing module 22 is connected to the card reading device controller 21, and mainly performs a two-way radio communication function with an external mobile terminal or a multi-interface integrated circuit card.
  • the radio transceiver processing module 22 is mainly composed of an antenna and a radio circuit, and also includes a part of software modules. Among them, the radio communication method can use various existing mature radio communication method technologies, and can also define and improve the method according to the application needs, but the method must be consistent with the method of the mobile terminal or the multi-interface integrated circuit card.
  • the ultrasonic transmitting module 23 is connected to the card reading device controller 21, and mainly performs generation, encoding, modulation, driving, and emission of ultrasonic waves.
  • the ultrasonic transmitting module 23 is mainly composed of an ultrasonic electric signal generating module 231 and an ultrasonic transmitter 232, and the ultrasonic transmitter 232 is mainly composed of a piezoelectric ceramic, a magnetostrictive material, a microelectromechanical system or a piezoelectric polymer.
  • the modulation and coding method of the data information carried by the ultrasonic signal may use various methods that have been maturely applied in radio communication, and may also be customized and improved according to application requirements, but the method must be combined with a mobile terminal or a multi-interface integrated circuit card.
  • the demodulation and decoding methods are consistent. Before the card swipe operation within the set safe distance, the distance measurement must be possible without fraud, and the distance between the card reading device 2 and the mobile terminal or the multi-interface integrated circuit card can be measured using the following two methods.
  • Method for measuring the distance between a mobile terminal or a multi-interface integrated circuit card and the card reading device 2 As shown in FIG. 4, the multi-interface integrated circuit function module in the mobile terminal or the multi-interface integrated circuit card is transmitted by using the radio transceiver processing module 12. a string of data information is sent to the card reading device 2, and after receiving the data information, the radio transceiver processing module 22 of the card reading device 2 modulates and encodes the data into the ultrasonic wave using the data information or the processed data information, and the ultrasonic wave It is emitted from the ultrasonic transmitting module 23.
  • Data processing refers to the process of computing data information to obtain another data information related to the original data, such as encryption operation processing of data information, verification of data information, error correction code of calculation data information, calculation The hash function value of the data information, the message authentication code (MAC) for calculating the data information, and the like.
  • Ultrasonic Propagation through a propagation medium mainly air
  • the speed of the radio is the speed of light, and the time that the radio propagates from the mobile terminal or the multi-interface integrated circuit card to the card reading device 2 is much less than the propagation time of the ultrasonic wave through the air, and the propagation time is negligible.
  • the ultrasonic receiving module 13 of the mobile terminal or the multi-interface integrated circuit card demodulates and decodes the data information therein. If the data matches the data information sent by the data, it is further converted according to the delay time of receiving the ultrasonic wave. It is the distance d from the card reading device 2. If the data does not match the data sent, the distance is determined to be an invalid distance, and the card can be rejected. If the data comparison result is consistent, the mobile terminal or the multi-interface integrated circuit card compares the distance d with a preset safety distance. If the distance d is greater than the set safety distance, the card is rejected. If the distance d is less than the set safety distance, the execution is performed. The process of swiping.
  • the method 2 of measuring the distance between the card reading device 2 and the mobile terminal or the multi-interface integrated circuit card As shown in FIG. 5, the card reading device 2 modulates and encodes the ultrasonic wave with a certain data information and transmits it through the ultrasonic transmitting module 23, The ultrasonic receiving module 13 of the mobile terminal or the multi-interface integrated circuit card receives the ultrasonic waves transmitted through the air, demodulates and decodes the data information, and decodes the data information and/or the processed data information through the radio transceiver processing module 12 It is sent to the card reading device 2, and the radio transceiver processing module 22 of the card reading device 2 receives the returned signal and compares it with the transmitted data information.
  • the delay time of the returned data is further converted into the distance from the mobile terminal or the multi-interface integrated circuit card. Otherwise, if the data does not match, the distance is invalid and the card is rejected. If the data comparison result is consistent, the card reading device 2 compares the distance d with a preset safety distance. If the distance d is greater than the set safety distance, the card is rejected. If the distance d is less than the set safety distance, the subsequent card swipe process is executed. .
  • the card reading device 2 needs to transmit ultrasonic waves, and the mobile terminal or the multi-interface integrated circuit card receives the ultrasonic waves. And measuring the distance between the two by measuring the time when the ultrasonic wave propagates from the card reading device 2 to the mobile terminal or the multi-interface integrated circuit card, and then converting the time into a distance.
  • Method 3 for measuring the distance between the mobile terminal or the multi-interface integrated circuit card and the card reading device 2 The card reading device 2 transmits the same data information from the ultrasonic transmitting module 23 and the radio transceiver module 22 at the same time, the mobile terminal or After receiving the two pieces of data information from the ultrasonic receiving module 13 and the radio transceiver processing module 12, the multi-interface integrated circuit card compares the delay time of the arrival of the super-wave signal with the radio signal, and multiplies the length of time by the speed of the ultrasonic wave to obtain The distance of the card reading device 2.
  • the method 4 of measuring the distance between the card reader device 2 and the mobile terminal or the multi-interface integrated circuit card first using the method 3, the mobile terminal or the multi-interface integrated circuit card obtains the distance of the card reading device 2, and then transmitting the distance value by radio Give the card reading device 2.
  • Distance measurement methods 3 and 4 and other methods can be used without fear of attack fraud.
  • the card reading device 2 is dishonest, ultrasonic waves are transmitted in advance or delayed, the distance measured by the mobile terminal or the multi-interface integrated circuit card is not equal to the actual distance.
  • Embodiment 1 access control application:
  • the card reader of the company access control is composed of a card reader main circuit 6 and a card reading device 2, and the card reader 5 has software and hardware connected to the company computer attendance management system.
  • the mobile terminal is the employee's mobile phone.
  • the multi-interface integrated circuit card in the employee mobile phone is a multi-interface integrated circuit card with a SIM card function, and the swipe function module 16 in the multi-interface integrated circuit card includes the attendance credit card software and employee identity information.
  • the card swiping operation process is as follows:
  • the ultrasonic transmitting module 23 of the card reading device 2 continuously transmits an ultrasonic signal containing data information, and the data information includes information such as the frequency of the radio signal, the modulation method, the protocol, the identity of the card reading device, and the authentication code. .
  • the radio transceiver processing module 22 of the card reading device 2 is in the receiving state, waiting for the radio signal sent by the multi-interface integrated circuit card.
  • the employee When the employee needs to enter and exit the company door, the employee holds the mobile phone close to the card reading device, and the ultrasonic receiving module 13 of the multi-interface integrated circuit card in the mobile phone receives the valid ultrasonic signal, demodulates and decodes the data information, and obtains the radio communication.
  • the frequency, modulation mode, protocol, card reader identity and authentication code, etc. and determine whether the identity of the card reader is a card reader supported by the card. If so, the authentication code is transmitted to the card reading device 2 by radio using the correct frequency channel.
  • the card reading device 2 After receiving the authentication code, the card reading device 2 first compares whether it is sent for itself, and if not, the card reading device 2 does not respond, and continues to transmit the ultrasonic signal to find the card. If it is sent by itself, calculate the multi-interface IC card according to the delay time. The distance d, if the distance d is within a predetermined safe distance range, the card is answered by a radio signal, and then the card reading device 2 and the multi-interface integrated circuit card communicate by radio to establish a connection and read the identity of the employee. And through the attendance management system to compare whether it is a legal identity, if it is, open the door to release, and make a record.
  • the card reader of the shopping mall credit card is composed of a card reader main circuit 6 and a card reading device 2, and the card reader 5 has software and hardware connected to the bank account management system.
  • the mobile terminal is the user's mobile phone.
  • the multi-interface integrated circuit card in the user's mobile phone is a multi-interface integrated circuit card with a SIM card function
  • the swipe function module 16 in the multi-interface integrated circuit card contains credit card account swiping software and credit card identity authentication information. Since the security requirements of the credit card are particularly high and the card swipe speed requirement is not too high, the cardholder's confirmation operation is required, so an optional acceleration measurement processing module 14 is required in the multi-interface integrated circuit card of this type of application.
  • the card swiping operation process is as follows: The cashier operates the card reader 5, starts the credit card operation, and the card reading device 2 in the card reader 5 starts the card search, and the ultrasonic transmitting module 23 of the card reading device 2 continuously transmits the ultrasonic signal containing the data information.
  • the data information may contain information such as the frequency of the radio signal, the modulation method, the protocol, the identity of the card reader device, and the authentication code.
  • the radio transceiver processing module 22 of the card reading device 2 is in the receiving state, waiting for the radio signal sent by the multi-interface integrated circuit card.
  • the multi-interface IC card in the mobile phone parses the data information to obtain the frequency, modulation mode, protocol, card reader identity and authentication of the radio communication.
  • the code and other information and determine whether the card reading device is a card reading device supported by the card. If so, the authentication code and the distance confirmation code are transmitted to the card reading device 2 by radio using the correct frequency channel, and then waiting to receive the ultrasonic signal.
  • the card reading device 2 After receiving the authentication code, the card reading device 2 first compares whether it is sent for itself, and if not, the card reading device 2 does not respond, and continues to transmit the ultrasonic signal to find the card.
  • the distance confirmation code is modulated into the ultrasonic signal and transmitted by the ultrasonic transmitting module 23.
  • the ultrasonic receiving module 13 of the multi-interface integrated circuit card parses out the distance confirmation code. If the distance confirmation code does not match, the card is rejected, and the card is swiped. If the distance confirmation code matches, the delay time according to the received distance confirmation code is converted into a distance d from the card reading device 2, and then the multi-interface integrated circuit card determines whether the distance d exceeds a preset safety distance range. If it is out of range, refuse to swipe. If the card is allowed to be swiped, the payment operation process is initiated.
  • the multi-interface integrated circuit card and the card reading device 2 use radio signals for communication, and perform identity authentication and the like.
  • identity authentication card readers and bank accounts
  • the user management system is connected, and the bank account management system further confirms the legality of the card identity.
  • the deduction process is entered.
  • the multi-interface integrated circuit card starts the operation of the acceleration measurement processing module 14 and waits for the specific confirmation action of the user. After receiving the valid confirmation action of the user within the specified time, the acceleration measurement processing module 14 continues to execute the entire deduction process, otherwise rejects the deduction and ends the entire card swipe operation.
  • encryption and decryption security algorithms and protocols There are already many mature encryption and decryption security algorithms and protocols, and will not be described here.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Remote Sensing (AREA)
  • Radar, Positioning & Navigation (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephone Function (AREA)

Abstract

公开了一种利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置，包括：读卡装置（2）发送超声波信息，移动终端或者多界面集成电路卡接收超声波信息，并且借助超声波信息或无线电信息进行身份确认，身份确认后，计算接收到超声波信号的时刻与发送无线电信息的时刻之间的时间差值，并将该时间差值换算为移动终端或者多界面集成电路卡与读卡装置（2）之间的距离；将计算得到的移动终端或者多界面集成电路卡与读卡装置（2）之间的距离与设定的安全距离比较，如果二者之间的距离小于设定的安全距离，则允许刷卡。该方法可以避免利用电磁场强度随距离变化的原理来测量距离时容易被欺骗和攻击的问题，能保证在安全距离范围内才能刷卡，同时又能保证刷卡的方便性。

Description

利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置 技术令页域本发明涉及基于移动终端进行刷卡的技术领域,特别是涉及利用超声波确定 在设定的安全距离内的移动终端刷卡方法和装置。
¾fc景技术 随着移动电话的普及， 移动支付（主要为手机支付）的业务需求非常迫切。 移动支付的各种应用中， 其中现场小额支付的方便性受到用户的欢迎。 移动小额支付的基本 要求是使用方便而且安全。 现场小额支付的方便性要求之一是能够非常快捷地完成支付操 作， 比如地铁的使用中， 由于人流密度大， 要求 0.3秒内实现扣除（或返还）地铁车费的操 作， 快捷地完成支付操作也方便乘客进出闸， 以避免地铁闸机口累积大量乘客， 从而节约乘 客的时间。 现场小额支付的安全性要求之一是用户只有将支付卡（或移动电话） 靠近 pos机 安全距离以内 （比如 10cm 以内） 时才可以扣除费用， 同时用户能够及时知晓消费数额， 并 且能够事后随时查询消费记录清单， 以避免乱收费问题。 目前使用 13.56MHzRFID方案的公 交卡已经广泛应用于地铁公交等， 但也暴露出安全性问题， 比如， 公交支付中， 已经有报道 某些私人承包的公交线路中， 存在售票员超额收费问题。 由于目前的公交卡上无法显示收费 金额， 也无法查询消费清单， 而其他查询方法太麻烦。 因而售票员利用大部分乘客从来不看 或看不清乘车费用的缺陷， 进行超额收费， 甚至故意将计价器显示器遮挡后， 再超额收费。 而普及的移动电话有液晶显示屏和键盘， 能够随时查看支付清单， 因而， 未来借助移动电话 实现的小额支付可以做到更加安全。
目前已经有很多种在移动电话上实现的移动刷卡方案。 主要为 13.56MHz 的方案和 RF-sim ( Radio Frequency Sim )方案。 这两种方案都是基于电磁场强度随着与发射源的距离 增加而减小的规律来确定和限制移动刷卡距离， 基本上有两种方法。 一是根据测得的电磁场 强度换算为刷卡距离； 二是只有在足够强的电磁场强度下才能实现移动支付， 当电磁场强度 不够强时， 卡片不能获得足够的能量， 不能工作，这样也能实现移动刷卡距离的限制。 因此, 对于基于电磁场强度确定和限制移动刷卡距离的方法， 欺骗者或者攻击者可以通过增加中继 放大器的方法， 使得接收方误认为电磁场信号足够强、 距离足够近， 从而达到在安全距离之 外就能刷卡的目的。 当然， 如果对所有小额支付的操作， 增加必须通过手机上的确认操作， 才能完成刷卡的功能， 就可以保证刷卡的安全性， 但同时却失去了刷卡的方便性。 确认操作 一般用在大额支付等安全要求较高而方便性要求较低的场合。 发明内容 本发明所要解决的技术问题在于避免欺骗者或攻击者在安全距离之外能实 现刷卡从而保证刷卡安全， 同时又能保证使用方便的利用超声波确定在设定的安全距离内的 移动终端刷卡方法和装置。
本发明解决所述技术问题可以通过釆用以下技术方案来实现：
提出一种利用超声波确定在设定的安全距离内的移动终端刷卡方法， 包括以下步骤，
① 设置于移动终端内的多界面集成电路功能模块借助无线电发送数据信息；
② 读卡装置接收数据信息后，借助超声波将接收数据信息和 /或者加工处理后的数据信 息发送出去； 加工处理是指对接收数据信息进行运算后得到另一与原有数据相关的数据信息 的过程， 加工处理包括数据信息的加密运算处理、 计算数据信息的校验码、 计算数据信息的 纠错码、 计算数据信息的散列函数值和 /或计算数据信息的报文鉴别码 （MAC )。
③ 所述多界面集成电路功能模块收到所述读卡装置发送的超声波信号后， 解调解码出 其中的数据信息， 并比较收到的数据信息与发出的数据信息是否相符；
④ 如果多界面集成电路功能模块收到的数据信息与发出的数据信息相符， 则计算接收 到超声波信号的时刻与发送无线电数据的时刻之间的时间差值， 并将该时间差值换算为多界 面集成电路功能模块与读卡装置之间的距离；
⑤多界面集成电路将计算得到的多界面集成电路功能模块与读卡装置之间的距离与设 定的安全距离比较， 如果多界面集成电路功能模块与读卡装置之间的距离小于设定的安全距 离， 则允许刷卡。
步骤⑤中进行刷卡之前， 多界面集成电路功能模块测量自身加速度， 识别用户刷卡确认 动作， 如果多界面集成电路功能模块没有识别出用户刷卡确认动作， 禁止刷卡。
或者提出一种利用超声波确定在设定的安全距离内的移动终端刷卡方法， 包括步骤： ① 读卡装置借助超声波发送数据信息；
②设置于移动终端内的多界面集成电路功能模块收到超声波信息后，解调解码出其中数 据信息， 并将该数据信息和 /或者加工处理后的数据信息借助无线电发送给读卡装置； 加工处 理是指对接收数据信息进行运算后得到另一与原有数据相关的数据信息的过程， 加工处理包 括数据信息的加密运算处理、 计算数据信息的校验码、 计算数据信息的纠错码、 计算数据信 息的散列函数值和 /或计算数据信息的报文鉴别码 （ MAC )；
③ 读卡装置收到多界面集成电路功能模块发送的无线电信息后， 读卡装置比较其中的 数据信息与发送出去的数据信息是否相符；
④ 如果读卡装置收到的数据信息与发出的数据信息相符， 则计算接收到无线电信息的 时刻和发送超声波信息的时刻之间的时间差值， 并将该时间差值换算为多界面集成电路功能 模块与读卡装置之间的距离；
⑤ 读卡装置将计算得到的多界面集成电路功能模块与读卡装置之间的距离与设定的安 全距离比较， 如果多界面集成电路功能模块与读卡装置之间的距离小于设定的安全距离， 则 允许刷卡。
步骤⑤中进行刷卡之前， 多界面集成电路功能模块测量自身加速度， 识别用户刷卡确认 动作， 如果多界面集成电路功能模块没有识别出用户刷卡确认动作， 多界面集成电路功能模 块拒绝完成后面的刷卡操作。
设计一种读卡装置，包括读卡装置控制器、 无线电收发处理模块、超声波发射模块以及 读卡机接口电路； 所述无线电收发处理模块与读卡装置控制器连接， 与外部多界面集成电路 功能模块之间进行双向无线电通讯； 超声波发射模块与读卡装置控制器连接， 进行超声波的 产生、 编码、 调制、 驱动和发射； 读卡机接口电路与读卡装置控制器连接， 读卡机接口电路 实现读卡装置与外部读卡机主电路之间的通讯。 超声波发射模块由超声波电信号产生模块和 超声波发送器组成。 超声波电信号产生模块与超声波发送器连接， 超声波电信号产生模块产 生需要的超声波电信号， 超声波电信号驱动超声波发送器生成超声波发射到空气中。 超声波 发送器主要由压电陶瓷、 磁致伸缩材料、微电子机械系统（ Micro Electro Mechanical Systems ) 或者压电聚合物组成。
设计一种多界面集成电路卡，包括卡体和多界面集成电路功能模块，该多界面集成电路 功能模块又包括控制电路、 有线接口、 无线电收发处理模块、 超声波接收模块和刷卡功能模 块； 有线接口与控制电路连接， 多界面集成电路功能模块通过有线接口与外部的移动终端连 接； 无线电收发处理模块与控制电路连接， 负责与外部读卡装置进行双向无线电数据信息交 换； 超声波接收模块与控制电路连接， 接收外部读卡装置发射的超声波信号， 并从接收到的 超声波信号中得到读卡装置发出的数据信息， 根据超声波传播时间值计算得到多界面集成电 路功能模块和读卡装置之间的距离； 刷卡功能模块与控制电路连接， 在控制电路的控制下与 外部读卡装置和移动终端配合共同完成刷卡操作。 超声波接收模块由超声波传感器和超声波 接收处理电路组成。 超声波传感器与超声波接收处理电路连接， 将超声波信号变换为超声波 电信号送给超声波接收处理电路处理。 超声波接收处理电路处理超声波传感器送过来的超声 波电信号， 解调解码其中的数据信息;根据超声波传播时间值计算得到多界面集成电路卡和读 卡装置之间的距离。
设计一种移动终端，所述移动终端内部电路包括多界面集成电路功能模块，该多界面集 成电路功能模块又包括控制电路、 无线电收发处理模块、 超声波接收模块和刷卡功能模块； 无线电收发处理模块与控制电路连接， 负责与外部读卡装置进行双向无线电数据信息交换； 超声波接收模块与控制电路连接， 接收外部读卡装置发射的超声波信号， 并从接收到的超声 波信号中得到读卡装置发出的数据信息， 根据超声波传播时间值计算得到移动终端和读卡装 置之间的距离； 超声波接收模块由超声波传感器和超声波接收处理电路组成,超声波传感器与 超声波接收处理电路连接，将超声波信号变换为超声波电信号送给超声波接收处理电路处理, 超声波接收处理电路处理超声波传感器送过来的超声波电信号， 解调解码其中的数据信息;根 据超声波传播时间值计算得到移动终端和读卡装置之间的距离。 刷卡功能模块与控制电路连 接， 在控制电路的控制下与外部读卡装置和移动终端配合共同完成刷卡操作。
所述的多界面集成电路功能模块，还包括可选的加速度测量处理模块，其与控制电路连 接， 加速度测量处理模块又包括加速度传感器和处理电路。 加速度测量处理模块接收处理自 身的加速度变化信息， 从而识别出特定的运动动作。
超声波传感器由压电晶体、 压电陶瓷、 压磁材料、 MEMS ( Micro Electro Mechanical Systems ), 压电半导体、 压电高聚物、 压电复合材料或者其他现有技术中能够将超声波变换 为电信号的传感器材料组成。 压电高聚物包括以下材料： 聚氯乙烯、 聚四氟乙烯 、 聚偏氟乙 烯 、 聚丙烯、 氟化乙丙烯共聚物、 聚三氟氯乙烯、 聚酰亚胺、 聚偏二氟乙烯、 亚乙烯基二氰 共聚物、 聚脲。
同现有技术相比较，本发明的技术效果在于： 可以避免利用电磁场强度随距离变化的原 理来测量距离时容易被欺骗和攻击的问题， 使用本发明实现的刷卡操作， 例如移动支付或者 门禁刷卡， 即使在有欺骗和攻击的情况下，仍然可以做到只有在设定的安全距离内才能刷卡； 同时又能保证刷卡的方便性。 附图说明
图 1 是本发明多界面集成电路卡利用超声波确定在设定的安全距离内的移动终端刷卡 方法所用刷卡系统结构示意图；
图 2是本发明多界面集成电路卡的结构方框示意图；
图 3是本发明读卡装置的结构方框示意图；
图 4是本发明利用超声波确定在设定的安全距离内的移动终端刷卡方法一种实施方式 的流程示意图；
图 5 是本发明利用超声波确定在设定的安全距离内的移动终端刷卡方法另一种实施方 式的流程示意图。
图 6是本发明移动终端利用超声波确定在设定的安全距离内的移动终端刷卡方法所用 刷卡系统结构示意图；
图 7是本发明移动终端的结构方框示意图。 具体实施方式 以下结合附图所示之优选实施例作进一步详述。
几个名词的定义如下： 集成电路卡： 卡片内封装有集成电路， 用以存储和处理数据的电子产品。 本文所述的集 成电路卡包含以下产品： SD卡（ Secure Digital Memory Card ), MMC卡（ MultiMediaCard ), 记忆棒（ Memory Stick )、 SM卡（ SmartMedia )、 SIM卡（ Subscriber Identity Module )、 USIM 卡 ( Universal Subscriber Identity Module )、 UIM卡 ( User Identity Model )。
多界面集成电路功能模块： 与外界进行信息与能量交换的界面有两个及两个以上界面。 主要界面是： 有线接口、 无线电界面、 超声波接收界面、 加速度接收界面。
移动终端： 重量较轻、 可以从电池供电、 不用电缆与其他电子设备连接就可以使用的电 子设备。本文所述的移动终端包含以下电子设备 MP3播放器、掌上游戏机、 GPS、 PDA( Personal Digital Assistant ), 数码相机、 电子词典、 手持收款机、 手机、 智能手机等。
刷卡： 刷卡是多界面集成电路功能模块与读卡装置的通讯和数据信息的交换过程， 以及 该过程中多界面集成电路功能模块内数据信息的创建、 存储、 修改、 读取、 校验、 比较、 处 理。 本文所述的刷卡包含电子支付刷卡和门禁刷卡以及多界面集成电路功能模块的身份识别 认证过程。
超声波在空气中的传播速度恒定（约 330米每秒）， 远远小于无线电波的传播速度， 比 较适合用于近距离的测量。 超声波传播时间与传播距离成正比， 通过测量超声波从读卡装置 传播到移动终端或者内置于移动终端的多界面集成电路卡的时间， 从而能够计算得到两者间 的距离。 如果距离太远就禁止刷卡功能， 这样就能保证移动终端用户刷卡的安全性和读卡机 用户的刷卡安全性。 使用欺骗攻击的手段， 只能将传播时间延长， 不能够将传播时间变短， 故无法在安全距离之外进行欺骗性刷卡。
为了达到上述目的， 本发明所釆用的技术方案为：
对于消费者用户，可以使用移动终端或者一移动终端再加上本发明中的多界面集成电路 卡即可实现比较安全的刷卡功能。 用户需要使用刷卡功能时， 只需要将移动终端（比如手机） 中原有的集成电路卡（比如 sim卡） ， 更换为多界面集成电路卡（多界面 sim卡）， 或者直 接使用具有多界面集成电路功能模块的移动终端即可。 对于消费服务提供者， 只需要提供安 装有本发明所述读卡装置的读卡机（比如地铁公司的 pos机） 即可。 所述移动终端或者多界面集成电路卡可以测量与读卡装置的距离，如果距离太远就禁止 刷卡， 从而保证移动终端用户刷卡的安全性。 读卡机中的读卡装置可以测量与移动终端或者 多界面集成电路卡的距离， 如果距离太远就禁止刷卡， 从而保证读卡机用户刷卡的安全性。
多界面集成电路卡（比如多界面 sim卡）本身不属于移动终端， 多界面集成电路卡除了 可以安装于移动终端（比如手机） 内使用外， 也可以安装于其他非移动终端（比如 USB读卡 器） 内使用。
如图 1所示， 刷卡系统主要包括多界面集成电路卡、 读卡装置 2、 移动终端和读卡机主 电路 6, 其中读卡装置 2 和读卡机主电路 6组成读卡机 5。多界面集成电路卡与移动终端以多 根金属导线和多个连接触点相连接， 即多界面集成电路卡借助有线接口和移动终端连接。 多 界面集成电路卡与移动终端可以通过有线接口进行数据信息的通讯， 移动终端可以通过有线 接口提供给多界面集成电路卡工作所需的电源。 一般使用情况下， 使用者手持移动终端主动 运动， 此时， 多界面集成电路卡也跟着一起运动。 具有加速度测量处理模块的多界面集成电 路卡可以测量自身的加速度变化， 从而可以识别使用者的特定动作。 该特定动作可以用于使 用者对刷卡操作的确认。 加速度测量处理模块是多界面集成电路卡的可选模块， 不是必须模 块。
如图 6所示， 刷卡系统主要包括具有多界面集成电路功能模块的移动终端、 读卡装置 2 和读卡机主电路 6。 其中读卡装置 2 和读卡机主电路 6组成读卡机 5。 一般使用情况下， 使 用者手持移动终端主动运动， 此时， 具有加速度测量处理模块的移动终端可以测量自身的加 速度变化， 从而可以识别使用者的特定动作。该特定动作可以用于使用者对刷卡操作的确认。 加速度测量处理模块是移动终端的可选模块， 不是必须模块。
读卡机 5由读卡装置 2和读卡机主电路 6组成,读卡装置 2和读卡机主电路 6之间有信 号和电源连接， 一般情况下， 读卡机主电路 6供给读卡装置 2的工作电源。 读卡装置 2与读 卡机主电路 6进行刷卡等信息数据的交换。 刷卡时， 读卡装置 2通过无线接口与移动终端或 者多界面集成电路卡进行信息数据的交换， 也进行相互之间距离的测量。 读卡装置 2与移动 终端或者多界面集成电路卡之间有两种无线接口： 第一种是双向通讯的无线电通讯接口， 另 一种是单向的超声波信号接口。 超声波信号从读卡装置 2发出， 由移动终端或者多界面集成 电路卡接收。 读卡装置 2与移动终端或者多界面集成电路卡通过测量超声波信号从读卡装置 2传播到移动终端或者多界面集成电路卡的延时时间来判断与对方之间的距离。
如图 2所示， 一种多界面集成电路卡包括卡体（图中为示）和多界面集成电路功能模块 1 , 该多界面集成电路功能模块 1又包括控制电路 15、 有线接口 11、 无线电收发处理模块 12、 超声波接收模块 13、 可选的加速度测量处理模块 14和刷卡功能模块 16。
如图 7所示， 一种移动终端包括多界面集成电路功能模块， 而多界面集成电路功能模块 又包括控制电路 15、 无线电收发处理模块 12、 超声波接收模块 13、 可选的加速度测量处理 模块 14和刷卡功能模块 16。
图 2所示的多界面集成电路卡的多界面集成电路功能模块中， 控制电路 15分别与无线 电收发处理模块 12、 有线接口 11、 超声波接收模块 13、 可选的加速度测量处理模块 14和刷 卡功能模块 16连接。 控制电路 15能够实现常规集成电路卡的各种功能。 常规集成电路卡包 括 SD卡（ Secure Digital Memory Card ), MMC卡（ MultiMediaCard ),记忆棒（ Memory Stick ), SM卡 ( SmartMedia )、 SIM卡 ( Subscriber Identity Module )、 USIM卡 ( Universal Subscriber Identity Module )和 UIM卡（ User Identity Model )。 控制电路 15含有 CPU和存储器以及软件 程序。
图 7所示的移动终端中的多界面集成电路功能模块中， 控制电路 15分别与无线电收发 处理模块 12、 超声波接收模块 13、 可选的加速度测量处理模块 14和刷卡功能模块 16连接。 控制电路 15能够实现常规集成电路卡的各种功能。控制电路 15含有 CPU和存储器以及软件 程序。 图 2所示的多界面集成电路卡的有线接口 11与控制电路 15连接，多界面集成电路卡通 过有线接口 11与外部的移动终端连接。 有线接口 11 由多根导线和多个触点组成， 负责与外 部的移动终端进行数据信息交换， 并可以给多界面集成电路卡提供工作电源。 其中有线通讯 的方法可以使用现有各种成熟的有线通讯方法技术， 也可以根据应用需要自行定义和改进， 比如可以使用 IS07816标准中的方法和协议。 移动终端或者多界面集成电路卡中： 无线电收发处理模块 12与控制电路 15连接， 负责 与外部读卡装置进行双向无线电数据信息交换。无线电收发处理模块 12由天线和处理电路组 成， 其电路中有一部分集成在集成电路内。 其中无线电通讯的方法技术即调制解调、 编解码 以及通讯协议等， 可以使用现有各种成熟的无线电通讯方法技术， 也可以根据应用需要自行 定义和改进方法。 其中天线技术可以使用各种已有成熟天线技术， 也可以根据天线技术的不 断发展使用最新天线技术。超声波接收模块 13与控制电路 15连接。超声波接收模块 13由超 声波传感器 131和超声波接收处理电路 132组成，能够接收外界读卡装置发射的超声波信号， 并可以从接收到的超声波信号中得到读卡装置发出的数据信息， 并测量超声波从读卡装置传 播到移动终端或者多界面集成电路卡的时刻， 将接收到超声波的时刻减去超声波发射的时刻 得到超声波传播时间， 从而通过换算传播时间值得到两者间的距离。 超声波传感器 131 由压 电晶体、 压电陶瓷、 压磁材料、 MEMS ( Micro Electro Mechanical Systems ), 压电半导体、 压 电高聚物、压电复合材料或者其他现有技术中能够将超声波变换为电信号的传感器材料组成。 压电高聚物包括以下材料： 聚氯乙烯、 聚四氟乙烯 、 聚偏氟乙烯 、 聚丙烯、 氟化乙丙烯共 聚物、 聚三氟氯乙烯、 聚酰亚胺、 聚偏二氟乙烯、 亚乙烯基二氰共聚物和聚脲。 超声波传感 器 131接收超声波并将超声波转换为超声波电信号， 将超声波电信号送给超声波接收处理电 路 132。 超声波转换为超声波电信号后， 后续处理按照电信号的方法来处理， 其中超声波信 号携带的数据信息的解调解码方法可以使用在无线电通讯中已经成熟应用的各种方法， 也可 以根据应用的需要自行定义和改进方法。
可选的加速度测量处理模块 14, 与控制电路 15连接。 加速度测量处理模块 14由加速 度传感器和处理电路组成， 能够测量移动终端或者多界面集成电路卡的加速度， 通过对加速 度变化特征的提取， 从而可以判断用户特定动作。 该特定动作可以用于用户对刷卡操作的确 认。 加速度测量处理模块 14是移动终端或者多界面集成电路卡的可选模块， 不是必须模块。
刷卡功能模块 16与控制电路 15连接。 刷卡功能模块 16 主要是一个软件模块， 由移动 终端或多界面集成电路卡内的 cpu和存储器等组成， 在 cpu及程序的控制下与外部读卡装置 和移动终端配合共同完成刷卡操作。 如图 3所示，本发明中的读卡装置 2包括读卡装置控制器 21、无线电收发处理模块 22、 超声波发射模块 23以及读卡机接口电路 24。 读卡机接口电路 24与读卡装置控制器 21和外 部的读卡机主电路 6连接， 读卡机接口电路 24实现读卡装置 2与读卡机主电路 6的通讯， 还 提供给读卡装置 2的工作电源。 读卡装置控制器 21与无线电收发处理模块 22、 超声波发射 模块 23以及读卡机接口电路 24连接。读卡装置控制器 21内含 CPU存储器以及软件等模块。 读卡装置控制器 21在 cpu和软件的控制下完成控制、 操作、 通讯和刷卡等各种功能。 无线电 收发处理模块 22与读卡装置控制器 21连接， 主要完成与外部移动终端或者多界面集成电路 卡之间的双向无线电通讯功能。 无线电收发处理模块 22主要由天线和无线电电路组成， 还包 括部分软件模块。 其中无线电通讯的方法可以使用现有各种成熟的无线电通讯方法技术， 也 可以根据应用需要自行定义和改进方法,但该方法必须与移动终端或者多界面集成电路卡的 方法相符。 超声波发射模块 23与读卡装置控制器 21连接， 主要完成超声波的产生、 编码、 调制、 驱动和发射。 超声波发射模块 23 主要由超声波电信号产生模块 231和超声波发送器 232组成， 超声波发送器 232主要由压电陶瓷、 磁致伸缩材料、 微电子机械系统或者压电聚 合物组成。 其中超声波信号携带的数据信息的调制编码方法可以使用在无线电通讯中已经成 熟应用的各种方法， 也可以根据应用需要自行定义和改进方法， 但该方法必须与移动终端或 者多界面集成电路卡的解调解码方法相符。 在设定的安全距离内刷卡操作前， 必须能够不被 欺骗地进行距离测量， 可以使用下述两种方法测量读卡装置 2和移动终端或者多界面集成电 路卡之间的距离。
移动终端或者多界面集成电路卡测量与读卡装置 2之间距离的方法 1: 如图 4所示， 移 动终端或者多界面集成电路卡中的多界面集成电路功能模块使用无线电收发处理模块 12发 送一串数据信息到读卡装置 2, 读卡装置 2的无线电收发处理模块 22收到该数据信息后， 使 用该数据信息和或者该数据信息加工处理后的数据信息调制编码到超声波上， 将超声波从超 声波发射模块 23发射出去。数据加工处理是指对数据信息进行运算后得到另一与原有数据相 关的数据信息的过程， 比如数据信息的加密运算处理、 计算数据信息的校验码、 计算数据信 息的纠错码、 计算数据信息的散列函数值、 计算数据信息的报文鉴别码 （MAC )等。 超声波 经过它们之间的传播介质 (主要为空气)传播到移动终端或者多界面集成电路卡。 无线电的速 度为光速， 无线电从移动终端或者多界面集成电路卡传播到读卡装置 2的时间远远小于超声 波经过空气的传播时间， 该传播时间可以忽略。 如果无线电传播时间或者无线电信号的处理 时间不能忽略， 换算距离时可以预先扣除这些时间。 移动终端或者多界面集成电路卡的超声 波接收模块 13收到超声波信号后， 解调解码出其中的数据信息， 如果该数据与其发出去的数 据信息相符， 就进一步根据收到超声波的延时时间换算为与读卡装置 2的距离 d。 如果该数 据与其发出去的数据不相符， 则判定距离为无效距离， 可以拒绝刷卡。 如果数据比较结果相 符， 移动终端或者多界面集成电路卡将距离 d与预先设定的安全距离比较， 如果距离 d大于 设定的安全距离拒绝刷卡， 如果距离 d小于设定的安全距离， 执行后面的刷卡流程。
读卡装置 2测量与移动终端或者多界面集成电路卡之间距离的方法 2: 如图 5所示， 读卡 装置 2使用某一数据信息调制编码到超声波上并通过超声波发射模块 23发送出去，移动终端或 者多界面集成电路卡的超声波接收模块 13收到经过空气传播过来的超声波后， 解调解码出数 据信息， 将解出数据信息和 /或者加工处理后的数据信息通过无线电收发处理模块 12发送给读 卡装置 2, 读卡装置 2的无线电收发处理模块 22收到返回的信号后与发送出去的数据信息进行 比对。 看是否相符， 如果相符， 则进一步根据返回数据的延时时间换算为与移动终端或者多 界面集成电路卡的距离。 否则数据如果不相符， 则判定距离无效， 拒绝刷卡。 如果数据比较 结果相符， 读卡装置 2将距离 d与预先设定的安全距离比较， 如果距离 d大于设定的安全距离拒 绝刷卡， 如果距离 d小于设定的的安全距离， 执行后面的刷卡流程。
以上两种距离测量及刷卡方法， 只是较好的实现方法， 本发明并不排斥其他方法， 但不 管使用何种方法，都需要读卡装置 2发射超声波，移动终端或者多界面集成电路卡接收超声波, 并且通过测量超声波从读卡装置 2传播到移动终端或者多界面集成电路卡的时间，再把时间换 算为距离的方法来测定两者间的距离。
实际上距离测量方法可以有无限多种， 例如还可以使用下列两种方法：
移动终端或者多界面集成电路卡测量与读卡装置 2之间距离的方法 3: 读卡装置 2将同一 个数据信息在同一时刻从超声波发射模块 23和无线电收发处理模块 22发送出去， 移动终端或 者多界面集成电路卡从超声波接收模块 13和无线电收发处理模块 12收到这两个数据信息后， 比较超生波信号比无线电信号到达的延迟时间长度， 将该时间长度乘以超声波的速度， 得到 读卡装置 2的距离。
读卡装置 2测量与移动终端或者多界面集成电路卡之间距离的方法 4: 先使用方法 3, 移 动终端或者多界面集成电路卡得到读卡装置 2的距离后，将该距离数值通过无线电传送给读卡 装置 2。
距离测量方法 3和方法 4以及其他方法可以在不怕攻击欺骗的情况下使用。 在方法 3中， 如果读卡装置 2不诚实， 提前或延后发送超声波， 移动终端或者多界面集成电路卡测得的距离 就会不等于实际距离。
实施例 1 , 门禁应用：
如图 1所示，公司门禁的读卡机由读卡机主电路 6和读卡装置 2组成，读卡机 5内有与公司 电脑考勤管理系统连接的软硬件。 移动终端为员工的手机。 员工手机中的多界面集成电路卡 是具有 SIM卡功能的多界面集成电路卡， 该多界面集成电路卡内的刷卡功能模块 16含有考勤 刷卡软件以及员工身份信息。 由于考勤门禁的安全性要求不是特别高， 所以不需要持卡人的 确认操作，因此该类型应用的多界面集成电路卡内可以不需要可选的加速度测量处理模块 14, 即使多界面集成电路卡内有可选的加速度测量处理模块 14也可以不需要使用。 其刷卡操作过 程为： 读卡装置 2的超声波发射模块 23不断发射含有数据信息的超声波信号进行寻卡， 该数据 信息含有无线电信号的频率、 调制方式、 协议、 读卡装置身份和认证码等信息。 同时读卡装 置 2的无线电收发处理模块 22处于接收状态， 等待多界面集成电路卡发出的无线电信号。 当员 工需要进出公司大门时， 员工手持手机靠近读卡装置， 手机内的多界面集成电路卡的超声波 接收模块 13接收到有效的超声波信号后， 将其中的数据信息解调解码出来， 获得无线电通讯 的频率、 调制方式、 协议、 读卡装置身份和认证码等信息， 并判断该读卡装置身份是否为本 卡片支持的读卡装置。如果是，则使用正确的频率信道将认证码通过无线电发送给读卡装置 2。 读卡装置 2收到认证码后， 首先比较是否为自己发送出去的， 如果不是， 读卡装置 2不做应答, 继续发射超声波信号寻卡。 如果是自己发送出去的， 则根据延时时间计算多界面集成电路卡 的距离 d, 如果距离 d是在预先设定的安全距离范围之内， 则通过无线电信号应答该卡片， 然 后读卡装置 2和多界面集成电路卡通过无线电通讯， 建立连接、 读取员工的身份、 并通过考勤 管理系统比对是否为合法身份， 如果是， 打开大门放行， 并作通行记录。
实施例 2, 商场信用卡刷卡：
如图 1所示，商场信用卡的读卡机由读卡机主电路 6和读卡装置 2组成，读卡机 5内有与银 行账户管理系统连接的软硬件。 移动终端为用户的手机。 用户手机中的多界面集成电路卡是 具有 SIM卡功能的多界面集成电路卡， 该多界面集成电路卡内的刷卡功能模块 16含有信用卡 帐户刷卡软件以及信用卡身份认证信息。 由于信用卡的安全性要求特别高而刷卡速度要求不 是太高， 所以需要持卡人的确认操作， 因此该类型应用的多界面集成电路卡内需要可选的加 速度测量处理模块 14。 其刷卡操作过程为： 收银员操作读卡机 5, 启动信用卡操作， 读卡机 5 中的读卡装置 2启动寻卡， 读卡装置 2的超声波发射模块 23不断发射含有数据信息的超声波信 号进行寻卡， 该数据信息可以含有无线电信号的频率、 调制方式、 协议、 读卡装置身份和认 证码等信息。 同时读卡装置 2的无线电收发处理模块 22处于接收状态， 等待多界面集成电路卡 发出的无线电信号。 当用户手持手机靠近读卡装置， 手机内的多界面集成电路卡接收到有效 的超声波信号后， 将其中的数据信息解析出来， 获得无线电通讯的频率、 调制方式、 协议、 读卡装置身份和认证码等信息， 并判断该读卡装置是否为本卡片支持的读卡装置。 如果是， 则使用正确的频率信道将认证码以及距离确认码通过无线电发送给读卡装置 2,然后等待接收 超声波信号。 读卡装置 2收到认证码后， 首先比较是否为自己发送出去的， 如果不是， 读卡装 置 2不做应答， 继续发射超声波信号寻卡。 如果是， 则将距离确认码调制到超声波信号中， 通 过超声波发射模块 23发射出去。 多界面集成电路卡的超声波接收模块 13收到超声波信号后， 解析出其中的距离确认码， 如果距离确认码不相符， 拒绝刷卡， 结束卡片的刷卡操作。 如果 距离确认码相符， 则根据收到距离确认码的延时时间换算为与读卡装置 2之间的距离 d, 然后 多界面集成电路卡判断距离 d是否超出预先设定的安全距离的范围，如果超出范围，拒绝刷卡。 如果在允许刷卡的范围内， 启动付款操作流程。 付款操作流程中， 多界面集成电路卡和读卡 装置 2之间使用无线电信号进行通讯， 进行身份认证等操作。 在身份认证中， 读卡机与银行账 户管理系统连接， 由银行账户管理系统进一步确认卡片身份的合法性。 在身份等信息确认后, 进入扣费流程， 在扣费流程中， 多界面集成电路卡启动加速度测量处理模块 14的工作， 等待 用户的特定确认动作。 加速度测量处理模块 14在规定的时间内收到用户有效的确认动作后， 继续执行完成整个扣费流程， 否则拒绝扣费， 结束整个刷卡操作。 已经有很多业已成熟的身 份认证等加解密安全算法和协议， 此处不再赘述。

Claims

1. 一种利用超声波确定在设定的安全距离内的移动终端刷卡方法， 其特征在于： 包括以下步 骤，
① 设置于移动终端内的多界面集成电路功能模块（1)借助无线电发送数据信息至读卡装 置（2);
② 读卡装置（2)接收数据信息后， 借助超声波将接收的数据信息和 /或加工处理后的数据 信息发送出去；
③ 所述多界面集成电路功能模块（1)接收所述读卡装置（2)发送的超声波信号， 解调 解码出其中的数据信息， 并比较收到的数据信息与发出的数据信息是否相符；
④ 如果多界面集成电路功能模块（1)收到的数据信息与发出的数据信息相符， 则计算接 收到超声波信号的时刻与发送无线电信号的时刻之间的时间差值， 并将该时间差值换 算为多界面集成电路功能模块（1) 与读卡装置（2) 之间的距离；
⑤ 多界面集成电路功能模块（1) 将计算得到的多界面集成电路功能模块（1) 与读卡装 置 （2) 之间的距离与设定的安全距离比较， 如果多界面集成电路功能模块（1) 与读 卡装置（2) 之间的距离小于设定的安全距离， 则允许刷卡。
2. 如权利要求 1所述的利用超声波确定在设定的安全距离内的移动终端刷卡方法， 其特征在 于： 步骤⑤中进行刷卡之前， 多界面集成电路功能模块（1) 测量自身加速度， 识别用户 刷卡确认动作， 如果多界面集成电路功能模块（1) 没有识别出用户刷卡确认动作， 则禁 止刷卡。
3. 一种利用超声波确定在设定的安全距离内的移动终端刷卡方法， 其特征在于， 包括步骤：
① 读卡装置（2)借助超声波发送数据信息；
② 设置于移动终端内的多界面集成电路功能模块（1)收到超声波信息后， 解调解码出其 中的数据信息， 并将该数据信息和 /或加工处理后的数据信息借助无线电发送给读卡装 置（2); ③ 读卡装置（2)收到多界面集成电路功能模块（ 1 )发送的无线电信息后， 读卡装置（2) 比较其中的数据信息与发送出去的数据信息是否相符；
④ 如果读卡装置（2)收到的数据信息与发出的数据信息相符， 则计算接收到无线电信息 的时刻和发送超声波信息的时刻之间的时间差值， 并将该时间差值换算为多界面集成 电路功能模块（1) 与读卡装置（2) 之间的距离；
⑤ 读卡装置（2)将计算得到的多界面集成电路功能模块与读卡装置 （2) 之间的距离与 设定的安全距离比较， 如果多界面集成电路功能模块（1) 与读卡装置（2) 之间的距 离小于设定的安全距离， 则允许刷卡。
4. 如权利要求 3所述的利用超声波确定在设定的安全距离内的移动终端刷卡方法， 其特征在 于： 步骤⑤中进行刷卡之前， 多界面集成电路功能模块（1) 测量自身加速度， 识别用户 刷卡确认动作， 如果多界面集成电路功能模块（1) 没有识别出用户刷卡确认动作， 多界 面集成电路功能模块（1)拒绝完成后面的刷卡操作。
5. 一种读卡装置， 包括读卡装置控制器（21)、 无线电收发处理模块（22)、 超声波发射模块
(23) 以及读卡机接口电路（24);
所述无线电收发处理模块（22)与读卡装置控制器（21)连接， 与外部多界面集成电 路功能模块（1) 之间进行双向无线电通讯；
超声波发射模块（23)与读卡装置控制器（21)连接， 进行超声波的产生、 编码、 调 制、 驱动和发射； 超声波发射模块（23) 由超声波电信号产生模块（231) 和超声波发送 器 （232)组成， 超声波电信号产生模块（231) 与超声波发送器（232)连接， 超声波电 信号产生模块（231)产生需要的超声波电信号， 超声波电信号驱动超声波发送器（232) 生成超声波发射到空气中；
读卡机接口电路（24)与读卡装置控制器（21)连接， 读卡机接口电路（24)实现读 卡装置与外部读卡机主电路之间的通讯。
6. 如权利要求 5所述的读卡装置， 其特征在于： 所述超声波发送器（232) 由压电陶瓷将超 声波电信号变换为超声波。
7. 一种多界面集成电路卡， 包括卡体和多界面集成电路功能模块（1), 该多界面集成电路功 能模块（1)又包括控制电路（15)、 有线接口 （11)、 无线电收发处理模块（12)、 超声波 接收模块（13)和刷卡功能模块（16);
有线接口 （11) 与控制电路（15)连接， 多界面集成电路功能模块（1)通过有线接 口 （11) 与外部的移动终端连接；
无线电收发处理模块（12)与控制电路（15)连接， 负责与外部读卡装置进行双向无 线电数据信息交换；
超声波接收模块（ 13 )与控制电路（ 15 )连接， 接收外部读卡装置发射的超声波信号， 并从接收到的超声波信号中得到读卡装置（2)发出的数据信息， 根据超声波传播时间值 计算得到多界面集成电路功能模块（1)和读卡装置（2)之间的距离；超声波接收模块（13) 由超声波传感器 （131)和超声波接收处理电路（132)组成， 超声波传感器（131) 与超 声波接收处理电路（132)连接， 将超声波信号变换为超声波电信号送给超声波接收处理 电路（132) 处理， 超声波接收处理电路（132) 处理超声波传感器（131) 送过来的超声 波电信号，解调解码其中的数据信息;根据超声波传播时间值计算得到多界面集成电路功能 模块（1)和读卡装置（2) 之间的距离。
刷卡功能模块（16)与控制电路（15)连接， 在控制电路（15)的控制下与外部读卡 装置和移动终端配合共同完成刷卡操作。
8. 如权利要求 7所述的多界面集成电路卡， 其特征在于： 所述超声波传感器（131) 由微电 子机械系统将超声波变换为超声波电信号。
9. 如权利要求 7所述的多界面集成电路卡， 其特征在于： 还包括与控制电路（15)连接的加 速度测量处理模块（14), 加速度测量处理模块（14) 又包括加速度传感器和处理电路。
10.—种移动终端， 其特征在于： 所述移动终端内部电路包括多界面集成电路功能模块（1), 该多界面集成电路功能模块（1) 又包括控制电路（15)、 无线电收发处理模块（12)、 超 声波接收模块（13)和刷卡功能模块（16);
无线电收发处理模块（12)与控制电路（15)连接， 负责与外部读卡装置进行双向无 线电数据信息交换；
超声波接收模块（ 13 )与控制电路（ 15 )连接， 接收外部读卡装置发射的超声波信号， 并从接收到的超声波信号中得到读卡装置（2)发出的数据信息， 根据超声波传播时间值 计算得到移动终端和读卡装置（2) 之间的距离； 超声波接收模块（13) 由超声波传感器 (131) 和超声波接收处理电路（132) 组成， 超声波传感器（131) 与超声波接收处理电 路（ 132)连接， 将超声波信号变换为超声波电信号送给超声波接收处理电路（ 132)处理, 超声波接收处理电路（132)处理超声波传感器（131)送过来的超声波电信号， 解调解码 其中的数据信息;根据超声波传播时间值计算得到移动终端和读卡装置（2) 之间的距离； 刷卡功能模块（16)与控制电路（15)连接， 在控制电路（15)的控制下与外部读卡 装置配合共同完成刷卡操作。
PCT/CN2012/076116 2011-05-30 2012-05-25 利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置 WO2012163254A1 (zh)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201110143639.1 2011-05-30
CN201110143639.1A CN102810145B (zh) 2011-05-30 2011-05-30 利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置

Publications (1)

Publication Number Publication Date
WO2012163254A1 true WO2012163254A1 (zh) 2012-12-06

Family

ID=47233849

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2012/076116 WO2012163254A1 (zh) 2011-05-30 2012-05-25 利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置

Country Status (2)

Country Link
CN (1) CN102810145B (zh)
WO (1) WO2012163254A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2945093A4 (en) * 2013-01-10 2016-08-31 Weixi Luo METHOD AND DEVICE FOR SCANNING A CARD FOR DETERMINING A MOBILE TERMINAL FOR SCANNING A CARD USING THE INTENSITY OF AN ULTRASONIC SIGNAL

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103905190A (zh) * 2012-12-24 2014-07-02 国民技术股份有限公司 一种无线密码钥匙的认证方法及系统
CN104484962B (zh) * 2014-10-30 2017-11-03 深圳市易联技术有限公司 一种pos机安全检测的方法及装置
CN106355394A (zh) * 2016-08-22 2017-01-25 广西咪付网络技术有限公司 一种基于移动智能终端传感器控制支付的方法
CN113487314A (zh) * 2021-06-25 2021-10-08 中国银联股份有限公司 一种交易处理方法及装置

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1719277A (zh) * 2005-07-26 2006-01-11 清华大学 空间位置检测系统及其检测方法
CN101873371A (zh) * 2009-04-24 2010-10-27 华旗移动通讯科技(北京)有限公司 可控制电脑游戏的手机、系统及方法
CN102044028A (zh) * 2009-10-13 2011-05-04 国民技术股份有限公司 移动支付的实现方法及移动支付系统

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB0111989D0 (en) * 2001-05-16 2001-07-04 Ncr Int Inc Card reader

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1719277A (zh) * 2005-07-26 2006-01-11 清华大学 空间位置检测系统及其检测方法
CN101873371A (zh) * 2009-04-24 2010-10-27 华旗移动通讯科技(北京)有限公司 可控制电脑游戏的手机、系统及方法
CN102044028A (zh) * 2009-10-13 2011-05-04 国民技术股份有限公司 移动支付的实现方法及移动支付系统

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP2945093A4 (en) * 2013-01-10 2016-08-31 Weixi Luo METHOD AND DEVICE FOR SCANNING A CARD FOR DETERMINING A MOBILE TERMINAL FOR SCANNING A CARD USING THE INTENSITY OF AN ULTRASONIC SIGNAL

Also Published As

Publication number Publication date
CN102810145A (zh) 2012-12-05
CN102810145B (zh) 2015-11-25

Similar Documents

Publication Publication Date Title
US10122841B2 (en) Smartphone proximity card emulation
US20080114699A1 (en) System, hardware and method for mobile pos payment
US20100281261A1 (en) Device and method for near field communications using audio transducers
RU2008113214A (ru) Система и способ использования защищенных номеров счетов в устройствах бесконтактного действия
KR20090007540A (ko) 통신망으로 거래를 용이하게 하는 시스템 및 방법
WO2012163254A1 (zh) 利用超声波确定在设定的安全距离内的移动终端刷卡方法和装置
CN108475372B (zh) 用于公共交通的移动设备上的进入控制旁路
TWI578274B (zh) A withdrawing system based on near field communication (NFC) function and its withdrawal method and the teller machine
WO2012163118A1 (zh) 距离可控的移动支付方法及装置
JP6363503B2 (ja) 情報処理システム及び情報処理方法
US9792473B2 (en) Card swiping method and device for determining mobile terminal for swiping card, utilizing intensity of ultrasonic signal
CN103365819A (zh) 具有网络转账与收支功能的电子计算器及其网络转账方法
CN111954878A (zh) 用于安全装置连接的系统和方法
CN111210221A (zh) 一种基于区块链技术的nfc数字货币支付系统
US11887122B2 (en) Payment methods and systems based on wireless communication and biometric features
CN112150140B (zh) 资源配置方法、装置及系统
KR101529040B1 (ko) 엔에프씨 인증카드를 이용한 인증장치와 방법
KR20180114573A (ko) 근거리 무선신호를 이용한 결제 방법
KR20130069234A (ko) 교통카드모듈, 그를 충전하는 단말기 및 그들의 제어방법
US20200193433A1 (en) System and method for securely processing verification data
CN204517885U (zh) 一种近距离无线通信设备和电子设备
US20220391876A1 (en) Payment system and apparatus
CN203812264U (zh) 一种射频传输信息与能量的挑战应答型动态密码ic卡
TWI655590B (zh) 具音波行動支付之驗證系統
KR102640368B1 (ko) 토큰 결제용 블록체인 결제 단말기 및 이를 이용한 토큰 결제 시스템

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: 12792188

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205 DATED 10/04/2014)

122 Ep: pct application non-entry in european phase

Ref document number: 12792188

Country of ref document: EP

Kind code of ref document: A1