WO2015090052A1 - 一种移动支付智能卡 - Google Patents

一种移动支付智能卡 Download PDF

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Publication number
WO2015090052A1
WO2015090052A1 PCT/CN2014/082070 CN2014082070W WO2015090052A1 WO 2015090052 A1 WO2015090052 A1 WO 2015090052A1 CN 2014082070 W CN2014082070 W CN 2014082070W WO 2015090052 A1 WO2015090052 A1 WO 2015090052A1
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Prior art keywords
smart card
mobile payment
swp
antenna
nfc
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PCT/CN2014/082070
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English (en)
French (fr)
Inventor
刘峰
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北京握奇智能科技有限公司
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Publication of WO2015090052A1 publication Critical patent/WO2015090052A1/zh

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G06K7/10Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • G06K7/10237Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the reader and the record carrier being capable of selectively switching between reader and record carrier appearance, e.g. in near field communication [NFC] devices where the NFC device may function as an RFID reader or as an RFID tag
    • G06K7/10247Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves the reader and the record carrier being capable of selectively switching between reader and record carrier appearance, e.g. in near field communication [NFC] devices where the NFC device may function as an RFID reader or as an RFID tag issues specific to the use of single wire protocol [SWP] in NFC like devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352Contactless payments by cards

Definitions

  • the invention belongs to the technical field of smart cards, and in particular relates to a mobile payment smart card.
  • Existing mobile payment smart card can integrate dual interface smart card chip and RF (Ra d i 0
  • Frequency, radio frequency antenna, the RF antenna can be external, or integrated in the smart card base; or integrated SWP (Single Wi Re Pro toco l, single line protocol) smart card chip, RF antenna integrated in On the handheld terminal.
  • SWP Single Wi Re Pro toco l, single line protocol
  • Both of the above mobile payment smart cards can realize wireless data communication between the mobile payment smart card and the P0S, wherein the SWP protocol mode is a standard solution defined by the ETS I organization.
  • the non-contact RF antenna implementation is partially provided by the handheld terminal rather than by the integrated RF antenna of the dual interface card itself.
  • the first mobile payment smart card with integrated dual interface smart card chip is suitable for most handheld terminals, but does not support the non-contact function of NFC-SWP terminals, and can not meet the market demand;
  • the second integrated mobile payment smart card with SWP smart card chip is suitable for NFC-SWP terminals, but does not support the non-contact function of non-NFC-SWP terminals, which cannot meet the market demand.
  • NFC-SWP chip with or without external soldering.
  • the multi-interface mobile payment smart card requires the user's external antenna to be unfavorable for marketing, and cannot meet the user experience requirements;
  • the smart card can support both non-NFC-SWP handheld terminals and NFC-SWP handheld terminals, and does not require a smart card with an external RF antenna to meet the user's contactless experience.
  • a mobile payment smart card integrates a dual interface smart card chip and an RF antenna, and the mobile payment smart card also integrates a SWP smart card chip. Further, the mobile payment smart card further includes a security module and a contactless front end amplifier. Further, the SWP smart card chip is disposed in a contactless front end amplifier. Further, the RF antenna is built in, and an RF power amplifier chip is built in the antenna.
  • the RF antenna is connected in an external manner.
  • the contactless communication is performed by using an RF antenna integrated in the mobile payment smart card; when the mobile payment smart card is connected to the NFC-SWP terminal, the SWP smart card is used.
  • the chip communicates with the NFC-SWP terminal, and can also perform contactless communication using the RF antenna integrated in the NFC-SWP terminal.
  • the security module is composed of one or more security chips, and the non-contact front-end amplifier is composed of one or more chips, and the SWP function is implemented by one or more SWP smart card chips.
  • the security module is used for identity authentication, and communicates with the non-contact front-end amplifier through a universal input/output interface, and selects an SE with a GPIO interface, thereby implementing data communication between the SE and the ACLF.
  • the non-contact front-end amplifier is directly connected to the RF antenna, wherein the SWP is responsible for processing the physical layer and the data link layer logic.
  • the non-contact front-end amplifier is connected to the contactless front end of the handheld terminal by a single-wire protocol, wherein the SWP is responsible for processing the physical layer and the data link layer logic.
  • the NFC-SWP handheld terminal can also support the NFC-SWP handheld terminal, and the smart card without an external RF antenna can satisfy the user's contactless experience.
  • FIG. 1 is a schematic diagram of a structure of a mobile payment smart card (S IM) and a connection with a handheld terminal according to the present invention. detailed description
  • the product design of the present invention includes a dual interface smart card function, a SWP smart card function, and an RF radio antenna function.
  • FIG. 1 is a schematic diagram of a structure of a mobile payment smart card (S IM) 10 and a connection with a handheld terminal (Hande t) 20 according to the present invention.
  • S IM mobile payment smart card
  • Hande t handheld terminal
  • a mobile payment smart card 10 integrates a dual interface smart card chip, a SWP smart card chip and an RF antenna, including a security module (SE) 11, a contactless front end amplifier (ACLF) 12, and an RF antenna (ANT). 13)
  • SE security module
  • ACLF contactless front end amplifier
  • ANT RF antenna
  • the non-contact front-end amplifier (ACLF) 12 is provided with an SWP smart card chip, and supports the SWP function.
  • the RF antenna 13 may be configured with an internal RF power amplifier chip and an RF antenna, or may be Design of various RF antenna structures such as external RF antennas.
  • the mobile payment smart card itself has an integrated RF antenna, which can be adapted to
  • the mobile payment smart card (SIM) 10 integrates a security module (SE) 11, a contactless front end amplifier (ACLF) 12, an RF antenna (ANT) 13, and the non-contact type.
  • the front end amplifier (ACLF) 12 supports the SWP function.
  • the SIM card is a dual-interface smart card that supports contact interface communication and non-contact interface communication.
  • the contact interface conforms to the IS0/IEC 7816 protocol, and the non-contact interface conforms to the IS0/IEC 14443 protocol.
  • the security module (SE) 11 may be one or more chips
  • the contactless front end amplifier (ACLF) 12 may be one or more chips
  • the SWP function may be separately composed of one or more chips. The function is realized, but the connection structure diagram of the three will be consistent with the structure of FIG. 1 above.
  • the security module (hereinafter referred to as SE) is a SE of a universal SIM card, mainly used for identity authentication; SE uses a general-purpose input/output interface (hereinafter referred to as GPI0) and a non-contact front-end amplifier (hereinafter referred to as SE)
  • GPI0 general-purpose input/output interface
  • SE non-contact front-end amplifier
  • SE with GPI0 interface should be selected to realize data communication between SE and ACLF.
  • the non-contact front-end amplifier (ACLF) 12 can be directly connected to an RF antenna (hereinafter referred to as ANT), and can also be a non-contact front end of a single-wire protocol (hereinafter referred to as SWP) and a handheld terminal (hereinafter referred to as Handset) (below Referred to as CLF); where SWP is responsible for processing physical layer and data link layer logic.
  • ANT RF antenna
  • SWP single-wire protocol
  • Handset handheld terminal
  • the above structure can realize the same security module (SE) connecting two kinds of radio frequency devices, one radio frequency device is embedded in the radio frequency device in the SIM card, and the other radio frequency device is embedded in the radio device in the Handset; by SE ⁇ ACLF
  • SE security module
  • the module's on-chip operating system (hereinafter referred to as COS) is developed and designed to enable the selection and configuration of two RF devices. It should be understood by those skilled in the art that the present invention is not limited to the embodiments of the present invention, and is not intended to limit the present invention. Other embodiments of the present invention will be apparent to those skilled in the art in the light of the appended claims.

Abstract

本发明涉及一种移动支付智能卡,属于智能卡技术领域。现有的移动支付智能卡不通现时支持非NFC-SWP手持终端和NFC-SWP手持终端。本发明所述的一种移动支付智能卡,集成有双界面智能卡芯片和RF天线,并且还集成了SWP智能卡芯片。釆用本发明所述移动支付智能卡,既可以支持非NFC-SWP手持终端,又可以支持NFC-SWP手持终端,并且不需要外接RF天线的智能卡就可以满足用户的非接触体验。

Description

一种移动支付智能卡 技术领域
本发明属于智能卡技术领域, 具体涉及一种移动支付智能卡。
现有的移动支付智能卡可集成双界面智能卡芯片和 RF (Ra d i 0
Frequency , 无线射频)天线, 该 RF天线可以是外置的, 也可以是集成在智能 卡基内的; 或是集成 SWP (S ing l e Wi re Pro toco l , 单线协议)智能卡芯片, RF天线集成在手持终端上。
上述两种移动支付智能卡都可以实现移动支付智能卡与 P0S的无线数据 通讯,其中 SWP协议方式是 ETS I组织定义的标准解决方案。相对于双界面移 动支付智能卡,其非接触功能的 RF天线实现部分是由手持终端提供的, 而不 是通过双界面卡本身集成的 RF天线实现的。
但是, 现有技术存在以下的缺点:
(1)第一种集成双界面智能卡芯片的移动支付智能卡适用于大多数手持 终端, 但不支持 NFC-SWP终端的非接触功能, 不能够满足市场需求;
(2)第二种集成 SWP智能卡芯片的移动支付智能卡适用于 NFC-SWP终端, 但不支持非 NFC-SWP终端的非接触功能, 不能满足市场需求。
现有技术中, 还有一种多接口移动支付智能卡, 支持同时集成双界面智 能卡芯片和 SWP智能卡芯片, 但 RF天线需要根据手持终端能否支持
NFC-SWP芯片, 而进行外部焊接或不焊接。 该多接口移动支付智能卡需要 用户外接天线不利于市场推广, 无法满足用户体验上的需求;
现阶段市场上支持 SWP功能的手持终端较少, 市场上大量存在的是非 NFC-SWP手持终端, 但随着移动通信技术与移动支付技术的发展, NFC-SWP 手持终端的数量也会越来越多。
针对上述情况,实现一种移动支付智能卡既可以支持非 NFC-SWP手持终 端, 又可以支持 NFC-SWP手持终端, 并且不需要外接 RF天线的智能卡就可以 满足用户的非接触体验, 是非常迫切的。 发明内容
针对现有技术中存在的缺陷,本发明的目的是提供一种移动支付智能卡。 该智能卡既能够支持非 NFC-SWP手持终端, 又能够支持 NFC-SWP手持终 端, 并且不需要外接 RF天线的智能卡就可以满足用户的非接触体验。
为达到以上目的, 本发明釆用的技术方案是:
一种移动支付智能卡, 集成有双界面智能卡芯片和 RF天线, 所述的移 动支付智能卡还集成了 SWP智能卡芯片。 进一步, 所述的移动支付智能卡还包括安全模块、非接触式前端放大器。 更进一步, 所述的 SWP智能卡芯片设置在非接触式前端放大器中。 进一步, 所述的 RF天线釆用内置的方式, 在天线中内置了 RF功率放大 芯片。
或者, 所述的 RF天线釆用外接的方式。 进一步, 当所述移动支付智能卡与非 NFC-SWP终端连接使用时, 利用 集成在移动支付智能卡的 RF天线进行非接触通信; 当所述移动支付智能卡 与 NFC-SWP终端连接使用时, 通过 SWP智能卡芯片与 NFC-SWP终端进行 通信, 也可利用集成在 NFC-SWP终端的 RF天线进行非接触通信。 进一步, 所述的安全模块由一个或多个安全芯片组成, 所述的非接触式 前端放大器由一个或多个芯片组成, 所述的 SWP功能由一个或多个 SWP智 能卡芯片实现。 进一步, 所述的安全模块用于身份认证, 通过通用输入输出接口与非接 触前端放大器通信, 选择具有 GPIO接口的 SE, 从而实现 SE与 ACLF的数 据通信。 进一步,所述的非接触式前端放大器直接与 RF射频天线连接,其中 SWP 负责处理物理层和数据链路层逻辑。 进一步, 所述的非接触式前端放大器通过单线协议与手持终端的非接触 式前端连接, 其中 SWP负责处理物理层和数据链路层逻辑。 本发明的效果在于: 釆用本发明所述移动支付智能卡, 既可以支持非
NFC-SWP手持终端, 又可以支持 NFC-SWP手持终端, 并且不需要外接 RF 天线的智能卡就可以满足用户的非接触体验。 附图说明
图 1是本发明所述的一种移动支付智能卡(S IM)的结构及与手持终端的 连接示意图。 具体实施方式
下面结合附图和具体实施方式对本发明作进一步描述。
本发明的产品设计包含双界面智能卡功能、 SWP智能卡功能和 RF射频天 线功能。
图 1为本发明所述的一种移动支付智能卡(S IM) 10的结构及与手持终端 ( Handse t ) 20的连接示意图。
如图 1所示, 一种移动支付智能卡 10, 集成有双界面智能卡芯片、 SWP 智能卡芯片和 RF天线,包括安全模块(SE ) 11、非接触式前端放大器( ACLF ) 12、 RF射频天线 (ANT ) 13, 其中所述的非接触式前端放大器 (ACLF ) 12 中设置有 SWP智能卡芯片, 支持 SWP功能, 所述的 RF天线 13的结构可以 是内置了 RF功率放大芯片和 RF天线, 也可以是外接 RF天线等多种 RF天 线结构的设计。
本实施例中, 所述移动支付智能卡本身已集成 RF天线, 可以适配于
NFC-SWP终端与非 NFC-SWP终端, 当所述移动支付智能卡与非 NFC-SWP终端 连接使用时,可利用集成在移动支付智能卡的 RF天线进行非接触通信; 当所 述移动支付智能卡与 NFC-SWP终端连接使用时, 可通过 SWP智能卡芯片与 NFC-SWP终端进行通信,也可利用集成在 NFC-SWP终端的 RF天线进行非接触 通信。 图 1的结构中, 所述的移动支付智能卡(SIM)IO中集成了安全模块(SE) 11、 非接触式前端放大器 (ACLF) 12、 RF射频天线 ( ANT ) 13, 所述的非接 触式前端放大器 (ACLF) 12支持 SWP功能。 该 SIM卡是一种双界面智能卡, 支持接触界面通信和非接触界面通信,其中接触界面符合 IS0/IEC 7816协议, 非接触界面符合 IS0/IEC 14443协议。
在本实施例中, 所述的安全模块(SE) 11可以是一个或多个芯片, 非接 触式前端放大器 (ACLF) 12可以是一个或多个芯片, SWP功能可以单独由一 个或多个芯片实现功能,但这三者的连接结构图,将与上述图 1的结构一致。
安全模块 (以下简称 SE) 为通用 SIM卡的 SE, 主要用于身份认证; SE 通过通用输入输出接口(以下简称 GPI0)与非接触前端放大器 (以下简称
ACLF) 通信, 应该选择具有 GPI0接口的 SE, 从而实现 SE与 ACLF的数据通 信。
所述的非接触式前端放大器( ACLF ) 12可以直接与 RF射频天线连接(以 下简称 ANT) , 又可以通过单线协议(以下简称 SWP)与手持终端(以下简称 Handset ) 的非接触式前端 (以下简称 CLF); 其中 SWP负责处理物理层和数 据链路层逻辑。
上述结构可以实现同一个安全模块(SE)连接两种射频装置, 一种射频装 置为内嵌入 SIM卡内的射频装置, 另一种射频装置为内嵌入 Handset内的射 频装置; 通过基于 SE\ACLF模块的片内操作系统 (以下简称 COS) 开发与设 计, 可以实现对两种射频装置的选择与配置。 本领域技术人员应该明白, 本发明所述的装置并不限于具体实施方式中 所述的实施例, 上面的具体描述只是为了解释本发明的目的, 并非用于限制 本发明。 本领域技术人员根据本发明的技术方案得出其他的实施方式, 同样 属于本发明的技术创新范围,本发明的保护范围由权利要求及其等同物限定。

Claims

权 利 要 求
1. 一种移动支付智能卡, 集成有双界面智能卡芯片和 RF天线, 其特征 在于: 所述的移动支付智能卡还集成了 SWP智能卡芯片。
2. 如权利要求 1所述的一种移动支付智能卡, 其特征在于: 所述的移动 支付智能卡还包括安全模块、 非接触式前端放大器。
3. 如权利要求 2所述的一种移动支付智能卡, 其特征在于: 所述的 SWP 智能卡芯片设置在非接触式前端放大器中。
4. 如权利要求 1至 3任一所述的一种移动支付智能卡, 其特征在于: 所 述的 RF天线釆用内置的方式, 在天线中内置了 RF功率放大芯片。
5. 如权利要求 1至 3任一所述的一种移动支付智能卡, 其特征在于: 所 述的 RF天线釆用外接的方式。
6. 如权利要求 1至 3任一所述的一种移动支付智能卡, 其特征在于: 当 所述移动支付智能卡与非 NFC-SWP终端连接使用时, 利用集成在移动支付智 能卡的 RF天线进行非接触通信;当所述移动支付智能卡与 NFC-SWP终端连接 使用时, 通过 SWP智能卡芯片与 NFC-SWP终端进行通信, 也可利用集成在 NFC-SWP终端的 RF天线进行非接触通信。
7. 如权利要求 2所述的一种移动支付智能卡, 其特征在于: 所述的安全 模块由一个或多个安全芯片组成, 所述的非接触式前端放大器由一个或多个 芯片组成, 所述的 SWP功能由一个或多个 SWP智能卡芯片实现。
8. 如权利要求 7所述的一种移动支付智能卡, 其特征在于: 所述的安全 模块用于身份认证, 通过通用输入输出接口与非接触前端放大器通信, 选择 具有 GP I O接口的 SE, 从而实现 SE与 ACLF的数据通信。
9. 如权利要求 2所述的一种移动支付智能卡, 其特征在于: 所述的非接 触式前端放大器直接与 RF射频天线连接,其中 SWP智能卡芯片负责处理物理 层和数据链路层逻辑。
1 0. 如权利要求 2所述的一种移动支付智能卡, 其特征在于: 所述的非 接触式前端放大器通过单线协议与手持终端的非接触式前端连接, 其中 SWP 智能卡芯片负责处理物理层和数据链路层逻辑。
PCT/CN2014/082070 2013-12-20 2014-07-11 一种移动支付智能卡 WO2015090052A1 (zh)

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CN103714376A (zh) * 2013-12-20 2014-04-09 北京握奇数据系统有限公司 一种移动支付智能卡
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