WO2016019835A1 - 一种智能卡及基于该智能卡的通信系统 - Google Patents

一种智能卡及基于该智能卡的通信系统 Download PDF

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Publication number
WO2016019835A1
WO2016019835A1 PCT/CN2015/085909 CN2015085909W WO2016019835A1 WO 2016019835 A1 WO2016019835 A1 WO 2016019835A1 CN 2015085909 W CN2015085909 W CN 2015085909W WO 2016019835 A1 WO2016019835 A1 WO 2016019835A1
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Prior art keywords
smart card
unit
card
card body
acoustic wave
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PCT/CN2015/085909
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English (en)
French (fr)
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何栋
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国民技术股份有限公司
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Publication of WO2016019835A1 publication Critical patent/WO2016019835A1/zh

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    • 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
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3221Access to banking information through M-devices

Definitions

  • the utility model relates to the technical field of acoustic wave communication, in particular to a smart card and a communication system based on the smart card.
  • U-Shield and Dynamic Password Card Mobile payment has been inseparable from our lives, and the existing online banking transaction security protection tools mainly include U-Shield and Dynamic Password Card.
  • U shield's built-in security chip has a hardware encryption algorithm, so it is considered to have the highest security level in the online banking identity authentication method, and its transaction quota is not limited, but at the same time, it is also carried with the same and its communication interface adopts the USB interface. It can only be used for online banking transactions with PC as the terminal, and it is difficult to cope with the growing payment of mobile Internet terminals.
  • the dynamic port token uses a string of periodically changing bank passwords for online banking transaction security authentication. Its form is diverse. Currently, it also displays a smart card form, which can be placed in a wallet and is convenient to carry, but has a lower security level than the U shield. The transfer amount is limited. Due to the timing change of the dynamic password, the user is required to complete the transaction within the prescribed time. Otherwise, the transaction authentication process is restarted, so there is a problem of inconvenience in use.
  • the utility model provides a smart card and a communication system based on the smart card, which can solve the technical problem of carrying and inconvenience of the security unit in the prior art mobile payment process.
  • the present invention provides a smart card, which includes: a card body, a sound wave response unit, a main control unit, a display unit, and a battery unit; the acoustic wave response unit is disposed inside the card body; the main control unit is disposed at The card body is internally connected to the acoustic wave response unit; the display unit is embedded on the surface of the card body and electrically connected to the main control unit; the battery unit is disposed inside the card body and connected to the main control unit for Powering each functional unit of the smart card.
  • the acoustic wave response unit further includes a piezoelectric buzzer, a speaker hole, a driving circuit, and a microphone respectively electrically connected to the main control unit;
  • the piezoelectric buzzer is disposed on the card body Internally and used to generate buzzer vibration;
  • the microphone is disposed on a surface of the card body and is configured to receive an external acoustic wave signal, and the sounding hole is disposed on a surface of the card body.
  • the smart card further includes an operation button arranged on the surface of the card body, and the operation button is a touch button or a mechanical button.
  • the smart card further includes an interface unit disposed on a surface of the smart card body, and the interface unit is coupled to the main control unit and the battery unit.
  • the interface unit is a 7816 physical interface.
  • the card body of the smart card has a length of 85.6 mm, a width of 54.3 mm, and a thickness of 0.80 ⁇ 0.04 mm.
  • the main control unit further includes an A/D conversion circuit, an acoustic wave modulation and demodulation circuit, a display driving circuit, a key driving circuit and a signal processing circuit, which are respectively connected to each other for realizing the digital-to-analog signal. Conversion, modulation and demodulation of the acoustic signal, driving of the display and the operating button, and processing of the acoustic signal.
  • the present invention also provides a smart card-based communication system, which includes the above-described smart sound wave card and mobile terminal.
  • the smart card provided by the utility model has the advantages of compact structure and convenient carrying, and the smart card communication system has strong compatibility, and can play a good security role in the mobile payment process, in addition, the smart card communication
  • the system also has a wide range of uses, such as: sonic bus communication, identity authentication and so on.
  • FIG. 1 is a schematic front view of a smart card according to a preferred embodiment of the present invention.
  • FIG. 2 is a schematic view showing the structure of the back side of the smart card in the embodiment of FIG. 1;
  • FIG. 3 is a schematic structural diagram of a module of a smart card in the embodiment of FIG. 1;
  • FIG. 4 is a schematic diagram of a smart card communication system according to a preferred embodiment of the present invention.
  • Figure 5 is a flow chart showing the operation of the smart card communication system based on the embodiment of Figure 4.
  • FIG. 1 is a schematic diagram of a front view of a smart card according to a preferred embodiment of the present invention
  • FIG. 2 is a schematic diagram of the back structure of the smart card in the embodiment of FIG. 1
  • FIG. 3 is a smart card of the embodiment of FIG.
  • the smart card 1 includes a card body 11, a sound wave response unit 12, a main control unit 13, a display unit 14, an operation button 15, a battery unit 16, and an interface unit 17.
  • the size of the card body 11 can be the same as that of the standard bank card, specifically: 85.6 mm in length, 54.3 mm in width, and 0.80 ⁇ 0.04 mm in thickness.
  • the size of the card body 11 is not limited thereto, and may be designed in other sizes.
  • the acoustic wave response unit 12 is disposed inside the card body 11.
  • the acoustic wave response unit 12 further includes a piezoelectric buzzer (not shown) electrically connected to the main control unit, a speaker hole 122, and a driving circuit (not shown).
  • the microphone 124; the piezoelectric buzzer may be a piezoelectric ceramic piece, and the piezoelectric ceramic piece is integrated with the card body of the smart card 1, and the driving circuit drives the piezoelectric buzzer to vibrate, and the piezoelectric buzzer is The vibration can drive the overall vibration of the smart card 1 to realize the process of converting the electric energy into the acoustic wave signal of the acoustic wave.
  • the acoustic wave signal is transmitted to the microphone end of the intelligent terminal through the speaker hole 122 provided on the back of the card body 11, and the sound wave signal is transmitted.
  • the microphone 124 may be disposed on the back of the card body 1 and configured to receive an external acoustic wave signal.
  • the microphone 124 converts the acoustic wave signal sent by the intelligent terminal into electrical energy and transmits the same to the main control unit 13.
  • boost converters can also be used to implement the acoustic wave signal. The reception of the numbers is within the understanding of those skilled in the art and will not be enumerated here.
  • the main control unit 13 is disposed inside the card body 11 and is electrically connected to the acoustic wave response unit 12, the display unit 14, the operation button 15, the battery unit 16, and the interface unit 17.
  • the main control unit 13 may specifically include an A/D conversion circuit, an acoustic wave modulation and demodulation circuit, a display driving circuit, a key driving circuit and a signal processing circuit, which are respectively connected to realize conversion of digital-to-analog signals and modulation and solution of acoustic signals.
  • the driving of the tuning and display unit 14 and the operating button 15 and the processing of the acoustic signal are within the understanding of those skilled in the art and are conventional selections for processing the signal circuit, and are not described herein again.
  • the display unit 14 can be embedded in the upper right position of the front surface of the card body 11. Specifically, it can be an LCD or LED display screen, and adopts a dot matrix display method to achieve the effect of displaying Chinese characters, thereby realizing display and confirmation of transaction information and data.
  • the smart card 1 is arranged with a plurality of operation buttons 15 arranged under the front side thereof.
  • the operation button 15 can be a touch button or a mechanical button, and the mechanical button can be made of a pan slice to realize the switch of the smart card 1 and Confirm the operation of the process, the mechanical structure buttons have the advantage of preventing misoperation.
  • the touch button is composed of a touch panel and a touch circuit, and can be implemented by a capacitive touch principle. Specifically, a numeric key, a confirmation key, a cancel key, and the like can be set.
  • the battery unit 16 is also disposed inside the card body 11 for supplying power to the smart card 1.
  • the battery unit 16 is preferably in the form of an ultra-thin rechargeable battery to meet the package requirements of the overall size of the card body 11, and the internal structure of the battery unit. And chemical principles and the like are common knowledge in the art and will not be described in detail herein.
  • the interface unit 17 can be disposed at a front central position of the card body 11 of the smart card 1.
  • the interface unit 17 is a 7816 physical interface for charging the battery unit 16 and implementing the smart card 1 before use. The process of debugging, communication, etc. of the physical connection.
  • FIG. 4 is a schematic diagram of a smart card communication system according to a preferred embodiment of the present invention.
  • the communication system includes a smart card 1 and a mobile terminal 2, and the smart card 1 and Data transmission and exchange are performed between the mobile terminals 2 by the acoustic signal 3.
  • FIG. 5 is a flow chart of the operation of the smart card communication system according to the embodiment of FIG. 4, the communication system
  • the workflow includes but is not limited to the following steps.
  • Step S500 the user opens the smart card client on the mobile terminal 2;
  • Step S510 inputting user information and a password on the mobile terminal 2 to implement connection with the smart card 1;
  • Step S520 the mobile terminal 2 sends the transaction information to the smart card 1, and the smart card 1 displays the transaction information;
  • Step S530 after the user confirms that the transaction information is correct, the operation button is used to input confirmation or cancellation of the transaction information;
  • step S540 the operation command is transmitted back to the mobile terminal 2 through the acoustic signal 3, and the operation flow ends.
  • the smart card provided by the utility model has the advantages of compact structure, similar or identical size to the standard bank card, convenient to use and convenient to carry; the smart card communication system has strong compatibility and can play a good security role in the mobile payment process.
  • the smart card communication system has a wide range of uses, such as: sonic bus communication, identity authentication, and the like.

Abstract

一种智能卡,该智能卡包括:卡体(11)、声波响应单元(12)、主控单元(13)、显示单元(14)以及电池单元(16);该声波响应单元(12)、主控单元(13)以及电池单元(16)分别设于该卡体(11)的内部,该显示单元(14)嵌设在卡体(11)的表面,主控单元(13)分别与该声波响应单元(12)、该显示单元(14)以及该电池单元(16)连接,该电池单元(16)用于为智能卡的各功能单元供电。该智能卡通过声波信号与移动终端进行数据交换,可提高移动支付的安全性,同时可作为一种便捷、实用的通信媒介应用于多种领域。

Description

一种智能卡及基于该智能卡的通信系统 技术领域
本实用新型涉及声波通信的技术领域,特别涉及一种智能卡及基于该智能卡的通信系统。
背景技术
移动支付已经与我们的生活密不可分,而现有的网上银行交易安全保护工具主要有U盾和动态口令卡等形态。U盾内置的安全芯片具有硬件加密算法,因此在网银身份认证手段中被认为安全级别最高,其交易额度不受限制,但同时也存在随身携带不变且其通信接口采用USB接口的方式,因此只能针对以PC机为终端的网上银行交易使用,难于应对日益增长的移动互联网终端支付。
另外,动态口令牌采用一串定期变化的银行密码进行网银交易安全认证,其形态多样,目前也有显示智能卡形态,可放于钱包之中,携带方便,但相对于U盾,安全级别较低、限制了转账金额,由于动态口令的定时变化,要求用户在规定的时间内完成交易,否则重新开始交易认证过程,因此存在使用不便的问题。
实用新型内容
本实用新型提供一种智能卡及基于该智能卡的通信系统,能够解决现有技术的移动支付过程中密保单元携带及操作不便的技术问题。
为解决上述问题,本实用新型提供一种智能卡,该智能卡包括:卡体、声波响应单元、主控单元、显示单元以及电池单元;声波响应单元设于该卡体的内部;主控单元设于该卡体的内部,并与该声波响应单元电连接;显示单元嵌设在该卡体的表面,与该主控单元电连接;电池单元设于卡体内部并与主控单元连接,用于为该智能卡的各功能单元供电。
根据本实用新型一优选实施例,该声波响应单元进一步包括分别与主控单元电连接的压电蜂鸣片、扬声孔、驱动电路、以及麦克风;该压电蜂鸣片设于该卡体内部并用于产生蜂鸣振动;该麦克风设于该卡体的表面并用于接收外界的声波信号,该扬声孔设在该卡体的表面。
根据本实用新型一优选实施例,该智能卡还包括排列设于该卡体表面的操作按键,该操作按键为触摸按键或机械按键。
根据本实用新型一优选实施例,该智能卡还包括设于该智能卡卡体表面位置的接口单元,该接口单元与该主控单元及该电池单元连接。
根据本实用新型一优选实施例,该接口单元为7816物理接口。
根据本实用新型一优选实施例,该智能卡的卡体尺寸为:长85.6mm,宽54.3mm,厚0.80±0.04mm。
根据本实用新型一优选实施例,该主控单元进一步包括相互连接的A/D转换电路、声波调制解调电路、显示器驱动电路、按键驱动电路以及信号处理电路,分别用于实现数模信号的转换、该声波信号的调制与解调、该显示器和该操作按键的驱动以及对该声波信号的处理过程。
为解决上述问题,本实用新型还提供一种基于智能卡的通信系统,该通信系统包括上述的智能声波卡及移动终端。
相对于现有技术,本实用新型提供的智能卡结构小巧、便于携带,该智能卡通信系统的兼容性强,在移动支付过程中可以起到很好的密保作用,除此之外,该智能卡通信系统还具有广泛的用途,譬如:声波公交通信、身份识别认证等。
附图说明
为了更清楚地说明本实用新型实施例中的技术方案,下面将对实施例描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本实用新型的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动的前提下,还可以根据这些附图获得其他的附图。
图1是本实用新型一优选实施例智能卡的正面结构示意图;
图2是图1实施例中智能卡的背面结构示意图;
图3是图1实施例中智能卡的模块结构示意图;
图4是本实用新型一优选实施例基于智能卡通信系统的示意图;以及
图5是图4实施例中基于智能卡通信系统的工作流程图。
具体实施方式
下面将结合本实用新型实施例中的附图,对本实用新型实施例中的技术方案进行清楚、完整地描述,显然,所描述的实施例仅是本实用新型的一部分实施例,而不是全部的实施例。基于本实用新型中的实施例,本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例,都属于本实用新型保护的范围。
请一并参阅图1-图3,图1是本实用新型一优选实施例智能卡的正面结构示意图,图2是图1实施例中智能卡的背面结构示意图,图3是图1实施例中智能卡的模块结构示意图,该智能卡1包括:卡体11、声波响应单元12、主控单元13、显示单元14、操作按键15、电池单元16以及接口单元17。
具体而言,在优选实施例中,卡体11的尺寸可以与标准银行卡的尺寸相同,具体为:长85.6mm,宽54.3mm,厚0.80±0.04mm。当然,卡体11的尺寸不限于此,也可设计为其他尺寸。
声波响应单元12设于卡体11的内部,声波响应单元12进一步包括分别与主控单元电连接的压电蜂鸣片(图中未示)、扬声孔122、驱动电路(图中未示)、以及麦克风124;该压电蜂鸣片可以为压电陶瓷片,压电陶瓷片与智能卡1的卡体封装为一体,驱动电路驱动该压电蜂鸣片振动,压电蜂鸣片的振动可以带动智能卡1的整体振动,以实现电能转化为声波振动的声波信号过程,该声波信号通过设在卡体11背面的扬声孔122传播至智能终端的麦克风端,完成声波信号的发送。
麦克风124可以设于卡体1背面并用于接收外界的声波信号,在接收声波信号时,麦克风124将智能终端发送的声波信号转换成电能并传输至主控单元13。当然,也可以采用其他的升压转换装置实现对声波信 号的接收,在本领域技术人员的理解范围内,此处不再一一列举。
主控单元13设于卡体11的内部,并与声波响应单元12、显示单元14、操作按键15、电池单元16以及接口单元17电连接。主控单元13具体可以包括相互连接的A/D转换电路、声波调制解调电路、显示器驱动电路、按键驱动电路以及信号处理电路,分别用于实现数模信号的转换、声波信号的调制与解调、显示单元14和操作按键15的驱动以及对声波信号的处理过程,该部分电路的结构形式在本领域技术人员的理解范围内且为处理信号电路的常规选择,此处不再赘述。
显示单元14可以嵌设在卡体11正面的右上方位置,具体可以为一LCD或LED显示屏,采用点阵显示的方式以达到显示汉字的效果,实现交易信息及数据的显示与确认。
在优选实施例中,该智能卡1在其正面下方排列设置多个操作按键15,该操作按键15可以为触摸按键或者机械按键,机械按键可以由锅仔片制成,实现该智能卡1的开关及确认等过程的操作,机械结构按键具有防止误操作等优点。触摸按键则由触摸片及触摸电路等构成,可以采用电容触摸原理实现,具体可以设置数字键、确认键、取消键等。
电池单元16同样设于卡体11的内部,用于为智能卡1供电,该电池单元16的结构形式优选超薄可充电式电池,以满足卡体11整体尺寸的封装要求,关于电池的内部结构及化学原理等为本领域公知常识,此处不再详述。
接口单元17可以设置在该智能卡1的卡体11正面中间位置,在优选实施例中,接口单元17为7816物理接口,该接口单元17用于对电池单元16的充电以及实现在智能卡1使用前物理连接的调试、通信等过程。
本实用新型还提供一种基于智能卡的通信系统,请参阅图4,图4是本实用新型一优选实施例基于智能卡通信系统的示意图,该通信系统包括智能卡1和移动终端2,该智能卡1和移动终端2之间通过声波信号3进行数据传输和交换。
图5为图4实施例中基于智能卡通信系统的工作流程图,该通信系 统工作流程包括但不限于以下步骤。
步骤S500,用户打开移动终端2上的智能卡客户端;
步骤S510,在移动终端2上输入用户信息及密码,实现与智能卡1的连接;
步骤S520,移动终端2将交易信息发送到智能卡1,智能卡1显示该交易信息;
步骤S530,用户确认交易信息无误后,通过操作按键输入交易信息的确认或取消;
步骤S540,操作指令通过声波信号3传回给移动终端2,操作流程结束。
本实用新型提供的智能卡结构小巧,与标准银行卡尺寸相近或相同,使用方便且便于携带;该智能卡通信系统的兼容性强,在移动支付过程中可以起到很好的密保作用,除此之外,该智能卡通信系统还具有广泛的用途,譬如:声波公交通信、身份识别认证等。
以上所述仅为本实用新型的部分实施例,并非因此限制本实用新型的保护范围,凡是利用本实用新型说明书及附图内容所作的等效装置或等效流程变换,或直接或间接运用在其他相关的技术领域,均同理包括在本实用新型的专利保护范围内。

Claims (8)

  1. 一种智能卡,其特征在于,包括:
    卡体;
    声波响应单元,设于所述卡体的内部;
    主控单元,设于所述卡体的内部,并与所述声波响应单元电连接;
    显示单元,嵌设在所述卡体的表面,与所述主控单元电连接;
    电池单元,设于所述卡体内部并与所述主控单元连接,用于为所述智能卡的各功能单元供电。
  2. 根据权利要求1所述的智能卡,其特征在于,所述声波响应单元进一步包括分别与所述主控单元电连接的压电蜂鸣片、扬声孔、驱动电路、以及麦克风;所述压电蜂鸣片设于所述卡体内部并用于产生蜂鸣振动;所述麦克风设于所述卡体的表面并用于接收外界的声波信号,所述扬声孔设在所述卡体的表面。
  3. 根据权利要求2所述的智能卡,其特征在于,所述智能卡还包括排列设于所述卡体表面的操作按键,所述操作按键为触摸按键或机械按键。
  4. 根据权利要求3所述的智能卡,其特征在于,所述智能卡还包括设于所述智能卡卡体表面的接口单元,所述接口单元与所述主控单元及所述电池单元连接。
  5. 根据权利要求4所述的智能卡,其特征在于,所述接口单元为7816物理接口。
  6. 根据权利要求4所述的智能卡,其特征在于,所述智能卡的卡体尺寸为:长85.6mm,宽54.3mm,厚0.80±0.04mm。
  7. 根据权利要求4所述的智能卡,其特征在于,所述主控单元进一步包括相互连接的A/D转换电路、声波调制解调电路、显示器驱动电路、按键驱动电路以及信号处理电路,分别用于实现数模信号的转换、所述声波信号的调制与解调、所述显示器和所述操作按键的驱动以及对所述声波信号的处理过程。
  8. 一种基于智能卡的通信系统,其特征在于,所述通信系统包括上述权利要求1-7任一项所述的智能声波卡及移动终端。
PCT/CN2015/085909 2014-08-07 2015-08-03 一种智能卡及基于该智能卡的通信系统 WO2016019835A1 (zh)

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