WO2016023467A1 - 多卡合一装置、系统和卡信息加载方法 - Google Patents

多卡合一装置、系统和卡信息加载方法 Download PDF

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Publication number
WO2016023467A1
WO2016023467A1 PCT/CN2015/086641 CN2015086641W WO2016023467A1 WO 2016023467 A1 WO2016023467 A1 WO 2016023467A1 CN 2015086641 W CN2015086641 W CN 2015086641W WO 2016023467 A1 WO2016023467 A1 WO 2016023467A1
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WIPO (PCT)
Prior art keywords
card
information
target
instruction
unit
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PCT/CN2015/086641
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English (en)
French (fr)
Inventor
高建松
赵晔
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北京橙鑫数据科技有限公司
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Publication of WO2016023467A1 publication Critical patent/WO2016023467A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G06Q20/3555—Personalisation of two or more cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to information technology, and in particular, to a multi-card combination device, system, and card information loading method.
  • cards With the continuous development of information technology, a variety of cards are emerging, and these cards can store card information including card identification and security authentication information. According to the way of the information of the memory card, it is generally divided into a magnetic stripe card and an IC card, and is divided into a bus card, an access card, a membership card, and a payment card according to the use of the card information. Due to the wide variety of cards, users often need to carry multiple cards, which is inconvenient to use. Therefore, multi-cards come into being.
  • the card information of multiple cards is stored in the multi-card unit, and when the user needs to use the card, all the cards stored in the multi-card device are read by an external terminal, such as a POS machine. Information, and then the user selects a card on the external terminal that needs to perform operations such as payment, and the external terminal interacts with the server to perform operation processing after the identity and security authentication are passed according to the card information of the selected card, for example,
  • the account corresponding to the payment card is used for payment, and the user authority corresponding to the access card can also be authenticated.
  • the multi-card integrated device is easy to read and copy all the card information stored in the multi-card integrated device without the user's knowledge, resulting in leakage of the card information. Therefore, the prior art multi-card unit is not safe.
  • the invention provides a multi-card combination device, a system and a card information loading method, which are used for solving the technical problem that the multi-card combination device in the prior art is not high in safety.
  • a first aspect of the present invention provides a multi-card unit comprising a memory for storing card information of a plurality of cards, the multi-card unit further comprising:
  • An input unit configured to receive a first instruction, where the first instruction is used to indicate a target card of the plurality of cards;
  • a processor configured to read card information of the target card from the memory according to the first instruction
  • the communication unit is configured to load the card information of the read target card, so that the external terminal acquires the card information of the loaded target card from the communication unit.
  • Another aspect of the present invention provides a multi-card combination system comprising: the multi-card combination device as described above, and an external terminal;
  • the external terminal is configured to acquire card information of the target card loaded by the multi-card unit; and perform operation processing according to the card information of the target card.
  • Another aspect of the present invention provides a card information loading method, including:
  • the first instruction is used to indicate a target card among the plurality of cards
  • the multi-card combination device, system and card information loading method provided by the present invention, after receiving the first instruction issued by the user by the input unit of the multi-card combination device, the processor reads the first instruction from the memory according to the first instruction The card information of the indicated target card, and then the communication unit only loads the card information of the target card, so that the external terminal can only obtain the card information of the target card, thereby preventing the external terminal from reading without the user's knowledge. Furthermore, all the card information stored in the multi-card integrated device is copied, and the security of the multi-card integrated device is improved.
  • FIG. 1 is a schematic structural diagram of a multi-card combination device according to an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a multi-card combination device according to another embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a multi-card combination system according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of a multi-card combination system according to another embodiment of the present invention.
  • FIG. 5 is a schematic flowchart of a method for loading card information according to an embodiment of the present invention.
  • FIG. 1 is a schematic structural diagram of a multi-card combination device according to an embodiment of the present invention.
  • the memory device 11 includes an input unit 12, a processor 13, and a communication unit 14.
  • the memory 11 is configured to store card information of a plurality of cards.
  • the memory 11 can be divided into a plurality of different storage areas, where the storage area stores card information of at least one card, and each storage area is not associated with each other.
  • Each storage area corresponds to an encryption key for performing encrypted storage, and the card information of the stored card can be securely encrypted.
  • the card information of different types of cards may be stored in different storage areas according to different types of cards such as a traffic card, an access card, a payment card, and a membership card. It is also possible to store only one card card information in each storage area.
  • each storage area is not related to each other, and may be logically independent of each other and not related to each other, or may be physically independent of each other and not related to each other, when each storage area is physically independent of each other.
  • the strobe circuit can also be connected to the processor, so that the storage area where the card information of the target card is located is connected to the processor.
  • the input unit 12 is configured to receive the first instruction.
  • the first instruction is used to indicate a target card among the plurality of cards.
  • the input unit 12 can be specifically a physical button keyboard or an external dial switch.
  • the processor 13 is respectively connected to the memory 11 and the input unit 12 for reading the card information of the target card from the memory 11 according to the first instruction.
  • the card information may include all security authentication information, such as a username and a key, for interacting with the backend security system of the bank or merchant.
  • the communication unit 14 is connected to the processor 13 for loading the card information of the read target card, so that the external terminal acquires the card information of the loaded target card.
  • the communication unit 14 may use the Near Field Communication (NFC) mode, or other wired or wireless manner to actively send the card information of the loaded target card to the external terminal; in addition, the communication unit 14 includes the NFC chip.
  • the NFC chip can also be operated in the passive mode, that is, the NFC chip loads the card information of the target card, so that the external terminal uses the corresponding NFC chip to read the card information of the loaded target card, thereby obtaining the target. Card information for the card.
  • the external terminal performs an operation process on the user data corresponding to the target card according to the card information of the target card. For example, if the target card is a payment card, the payment operation may be performed on the account corresponding to the payment card; if the target card is the access card, the user authority corresponding to the access card may be authenticated.
  • the input unit 12 can also receive the card password of the target card.
  • the communication unit 14 also The card password used to load the target card.
  • the input unit 12 can also receive the card password of the target card, so that the processor 13 sends the card password to the communication unit, and the communication unit 14 receives the target card through the processor 13.
  • the card password load it.
  • the target card is a payment card
  • the card password is input, so that the external terminal acquires the loaded card information and the card password, and interacts with the bank background system according to the card information and the card password. To achieve payment.
  • the processor reads the card information of the target card indicated by the first instruction from the memory according to the first instruction, and then the communication unit only Loading the card information of the target card, so that the external terminal can only obtain the card information of the target card, thereby preventing the external terminal from reading and copying all the cards stored in the multi-card device without the user's knowledge. Information improves the security of the multi-card unit.
  • FIG. 2 is a schematic structural diagram of a multi-card unit according to another embodiment of the present invention. As shown in FIG. 2, the multi-card unit in this embodiment further includes: a display unit based on the previous embodiment. twenty one.
  • the input unit 12 is further configured to acquire authentication information input by the user.
  • the user after the user is authenticated according to the authentication information, the user can select the target card, and then issue the first instruction.
  • the authentication information may include an unlock password and/or a fingerprint.
  • the multi-card combination device is started, or when the switching card needs to be changed, that is, the selected target card is changed, the user is requested to input the authentication information, thereby acquiring the password input by the user by using the input unit 12 as the keyboard, and also utilizing The fingerprint reader acquires the fingerprint of the user.
  • the processor 13 is further configured to: if the authentication is authenticated according to the authentication information, control the display unit to display the prompt information.
  • the prompt information is used to prompt the user to select a target card from a plurality of cards.
  • the display unit 21 is connected to the processor 13 for displaying prompt information under the control of the processor.
  • the display unit 21 is implemented by a touch screen, which can also be used to implement the function of the input unit 12.
  • the prompt information displayed by the display unit 21 may be a pull-down menu containing a card identifier of the card, or an icon, and the card identifier displayed by the display unit 21 may be all of the plurality of cards.
  • the card identifier of a part of the card is not limited in this embodiment.
  • the multi-card device provided in this embodiment can also implement the prompt for the user to perform the information of the target card to be paid.
  • the communication unit 14 loads the card information of the target card, thereby performing the payment operation corresponding to the information to be paid by using the target card.
  • the processor 13 is further configured to: when receiving the third instruction, control the display unit 21 to display the information to be paid indicated by the third instruction.
  • the information to be paid is displayed to prompt the user to confirm whether to use the target card to perform payment corresponding to the payment information.
  • the third instruction may include a to-be-paid amount, a transaction merchant name, and a transaction merchant account waiting for payment information, and the processor 13 controls the display unit 21 to display when receiving the third instruction.
  • the amount to be paid, the name of the transaction merchant, and the transaction merchant account are waiting for payment information.
  • the display unit 21 is further configured to display the information to be paid under the control of the processor 13 to obtain the confirmation information corresponding to the information to be paid.
  • the input unit 12 is further configured to receive confirmation information input by the user for confirming payment by using the target card. Specifically, it is used for receiving confirmation information corresponding to the information to be paid input by the user.
  • the confirmation information is input through the input unit 12, and the confirmation information is used to confirm the payment corresponding to the information to be paid by the target card.
  • the processor 13 is further configured to generate a second instruction according to the received confirmation information.
  • the communication unit 14 is specifically configured to load the card information of the target card read by the processor 13 when the second instruction is received.
  • the processor reads the card information of the target card indicated by the first instruction from the memory according to the first instruction, and then the communication unit only Loading the card information of the target card, so that the external terminal can only obtain the card information of the target card, thereby preventing the external terminal from reading and copying all the cards stored in the multi-card device without the user's knowledge. Information improves the security of the multi-card unit.
  • FIG. 3 is a schematic structural diagram of a multi-card combination system according to an embodiment of the present invention. As shown in FIG. 3, the multi-card combination device 31 and the external terminal 32 are included in the foregoing embodiment.
  • the multi-card unit 31 can communicate with the external terminal 32 in an NFC manner.
  • Other wired or wireless means can also be used to communicate with the external terminal 32.
  • the external terminal 32 is configured to acquire card information of the target card loaded by the multi-card unit, and perform operation processing according to the card information of the target card.
  • the external terminal 32 can be a point of sale (POS) machine, or an Automatic Teller Machine (ATM) machine, or a combination of a computer and a smart phone.
  • POS point of sale
  • ATM Automatic Teller Machine
  • the external terminal 32 communicates with the multi-card combination device 31, and the external terminal 32 includes a chip corresponding to the chip mounted by the communication unit in the multi-card integration device.
  • the communication unit in the multi-card unit 31 includes an NFC chip
  • the external terminal 32 is a POS machine including an NFC chip, or an ATM machine including an NFC chip, or a combination of a computer and a smartphone including an NFC chip.
  • the embodiment also provides an application scenario in which the target card is a payment card and the external terminal 32 is an ATM.
  • the multi-card integration system in this embodiment is described.
  • the user inputs a first instruction on the input unit of the multi-card unit 31 to indicate the selected target card, and the processor of the multi-card unit 31 reads the card information of the target card from the memory, and then, The communication unit loads the card information of the target card by using the NFC chip.
  • the ATM machine acquires the card information of the target card loaded by it from the multi-card unit 31 using the installed NFC chip. After obtaining the card information of the target card, the ATM prompts the user to input the card password of the target card on the display of the ATM machine, and if the card password is correct, the authentication is passed, and the process of cash withdrawal, deposit or payment is performed, thereby the target card. Take action.
  • the workflow of the multi-card system is similar to the foregoing process. The only difference is that if the card password is correct, the authentication is passed, and the POS machine can only perform the payment process. Let me repeat.
  • the processor reads the card information of the target card indicated by the first instruction from the memory according to the first instruction, and then the communication unit only Loading the card information of the target card, so that the external terminal can only obtain the card information of the target card, thereby preventing the external terminal from reading and copying all the cards stored in the multi-card device without the user's knowledge. Information improves the security of the multi-card unit.
  • FIG. 4 is a schematic structural diagram of a multi-card combination system according to another embodiment of the present invention.
  • the communication unit in the multi-card combination device 31 includes an NFC chip
  • the external The terminal 32 includes a computer 321 and a smartphone 322 including an NFC chip.
  • the smart phone 322 is configured to acquire card information of the target card from the multi-card unit 31 by using an NFC chip, and forward the card information of the target card to the computer 321 .
  • the computer 321 is connected to the smart phone 322 by wire or wirelessly, and is configured to interact with a server of a bank or a merchant's back-end system to perform the identity card and the security card according to the card information of the target card.
  • the corresponding user data is processed.
  • the computer 321 interacts with the server of the bank or the merchant's background system according to the card information of the target card, so that the background system performs the security authentication according to the card information, and the computer 321 continues to interact with the background system to execute the target.
  • the user data corresponding to the card performs the corresponding operation processing flow.
  • the user data can be an account, a credit user right, and the like.
  • the operation processing flow may be a process of querying the credit corresponding to the target card, or using the account corresponding to the target card to perform payment.
  • the embodiment further provides an application scenario in which the target card is a payment card:
  • the user inputs a first instruction on the input unit of the multi-card unit 31 to indicate the selected target card, and the processor of the multi-card unit 31 reads the card information of the target card from the memory. Then, the communication unit loads the card information of the target card using the NFC chip.
  • the e-commerce platform when the user uses the computer 321 to perform online payment on the e-commerce platform, the e-commerce platform generates a two-dimensional code, and the two-dimensional code includes the to-be-paid amount, the transaction merchant name, and the transaction merchant account waiting for payment information, and the second The dimension code is displayed on the display of the computer 321 .
  • the smart phone 322 scans the two-dimensional code by using the camera, and generates a third instruction, which includes the to-be-paid amount, the transaction merchant name, and the transaction merchant account waiting for payment information.
  • the smartphone 322 transmits the third command to the multi-card unit 31 in an NFC manner.
  • the control display unit 21 displays the information to be paid in the third command.
  • the display unit 21 displays the to-be-paid information under the control of the processor 13, so that the input unit 12 acquires the confirmation information corresponding to the to-be-paid information, wherein the confirmation information corresponding to the to-be-paid information is used to confirm the payment information by using the target card. Corresponding payment.
  • the processor 13 When the input unit 12 acquires the confirmation information input by the user, the processor 13 generates a second instruction according to the acquired confirmation information, and transmits the second instruction to the communication unit 14.
  • the communication unit 14 loads the card information of the target card read by the processor when receiving the second instruction.
  • the smartphone 322 acquires the card information of the target card to be loaded from the multi-card unit 31 by using the NFC method.
  • the computer 321 obtains the card information of the target card from the smart phone 322 by wire or wirelessly, and interacts with the server of the bank or the merchant's background system, so as to perform the identity and security authentication according to the card information of the target card, the target card
  • the corresponding user data is processed.
  • the user data may be an account in an application scenario in which the target card is a payment card, and the operation may specifically be a payment operation.
  • the step of inputting the first instruction on the input unit of the multi-card unit 31 may be performed again.
  • the first instruction is used to indicate the target card after the switching.
  • the processor reads the card information of the target card indicated by the first instruction from the memory according to the first instruction, and then the communication unit only Loading the card information of the target card, so that the external terminal can only obtain the card information of the target card, thereby preventing the external terminal from reading and copying all the cards stored in the multi-card device without the user's knowledge. Information improves the security of the multi-card unit.
  • FIG. 5 is a schematic flowchart of a card information loading method according to an embodiment of the present invention.
  • the card information loading method provided in this embodiment may be implemented by a multi-card mobile device, as shown in FIG. 5, including:
  • the first instruction is used to indicate a target card among the plurality of cards.
  • the rights information may include an unlock password and/or a fingerprint. If the authentication is passed according to the authentication information, the prompt information is displayed, and the prompt information is used to prompt the user to select the target card from the plurality of cards.
  • the multi-card combination device performs communication by using the NFC method, after loading the card information of the target card, the card information may be sent to the external terminal in an active manner or in a passive manner, waiting for the external terminal to be integrated from the multi-card.
  • the device acquires the card information of the target card loaded by the device, and the external terminal performs operation processing according to the card information of the target card.
  • the external terminal may be a POS machine including an NFC chip, or an ATM machine including an NFC chip, or a combination of a computer and a smart phone including an NFC chip.
  • the smart phone can be used to obtain the card information of the target card from the multi-card device by using the NFC chip, and forward the card information of the target card to the computer;
  • the computer can be connected to the smart phone by wire or wirelessly, and used with the bank or
  • the server of the merchant's back-end system interacts to perform security authentication according to the card information of the target card, and then performs operation processing on the user data corresponding to the target card.
  • the processor reads the card information of the target card indicated by the first instruction from the memory according to the first instruction, and then the communication unit only Loading the card information of the target card, so that the external terminal can only obtain the card information of the target card, thereby preventing the external terminal from reading and copying all the cards stored in the multi-card device without the user's knowledge. Information improves the security of the multi-card unit.
  • the aforementioned program can be stored in a computer readable storage medium.
  • the program when executed, performs the steps including the foregoing method embodiments; and the foregoing storage medium includes various media that can store program codes, such as a ROM, a RAM, a magnetic disk, or an optical disk.

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Abstract

本发明提供一种多卡合一装置、系统和卡信息加载方法，通过多卡合一装置在输入单元接收用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。

Description

多卡合一装置、系统和卡信息加载方法 技术领域
本发明涉及信息技术，尤其涉及一种多卡合一装置、系统和卡信息加载方法。
背景技术
随着信息技术的不断发展，各式各样的卡片层出不穷，这些卡片可以存储包括卡标识和安全认证信息在内的卡信息。按照存储卡信息的方式不同，通常大致可分为磁条卡、IC卡，按照卡信息的用途不同又分为公交卡、门禁卡、会员卡和支付卡等。由于卡片种类众多，用户往往需要携带多张卡片，使用不便，因此，多卡合一应运而生。
在现有技术中，多卡合一装置中存储有多张卡片的卡信息，在用户需要使用卡片时，由外部终端，例如：POS机，读取多卡合一装置中所存储的全部卡信息，然后用户在外部终端上选定需要进行支付等操作的卡片，进而外部终端与服务器交互，以根据所选定卡片的卡信息，在进行身份和安全认证通过后进行操作处理，例如可以对支付卡对应的账户进行支付，还可以对门禁卡对应的用户权限进行鉴权。可见，现有技术中的多卡合一装置在使用过程中，外部终端很容易在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，导致卡信息泄露，因此，现有技术中的多卡合一装置安全性不高。
发明内容
本发明提供一种多卡合一装置、系统和卡信息加载方法，用于解决现有技术中的多卡合一装置安全性不高的技术问题。
本发明的第一个方面是提供一种多卡合一装置，包括用于存储多个卡片的卡信息的存储器，所述多卡合一装置还包括：
输入单元，用于接收第一指令；所述第一指令用于指示所述多个卡片中的目标卡片；
处理器，用于根据所述第一指令，从所述存储器中读取所述目标卡片的卡信息；
所述通信单元，用于加载读取到的目标卡片的卡信息，以使外部终端从所述通信单元获取所加载的目标卡片的卡信息。
本发明的另一个方面是提供一种多卡合一系统，包括：如上所述的多卡合一装置，以及外部终端；
所述外部终端，用于获取所述多卡合一装置所加载的目标卡片的卡信息；根据所述目标卡片的卡信息，进行操作处理。
本发明的又一个方面是提供一种卡信息加载方法，包括：
接收第一指令；所述第一指令用于指示多个卡片中的目标卡片；
根据所述第一指令，从预存的所述多个卡片的卡信息中，读取所述目标卡片的卡信息；
加载读取到的目标卡片的卡信息。
本发明提供的多卡合一装置、系统和卡信息加载方法，通过多卡合一装置的输入单元接收到用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。
附图说明
图1为本发明一实施例提供的多卡合一装置的结构示意图；
图2为本发明另一实施例提供的多卡合一装置的结构示意图；
图3为本发明一实施例提供的多卡合一系统的结构示意图；
图4为本发明另一实施例提供的多卡合一系统的结构示意图；
图5为本发明一实施例提供的卡信息加载方法的流程示意图。
具体实施方式
图1为本发明一实施例提供的多卡合一装置的结构示意图，如图1所示，包括：存储器11、输入单元12、处理器13和通信单元14。
存储器11，用于存储多个卡片的卡信息。
具体的，存储器11可以划分为多个不同的存储区域，该存储区域存储至少一个卡片的卡信息，每个存储区域之间互不关联。每个存储区域分别对应一个用于进行加密存储的加密秘钥，可以安全加密存储卡片的卡信息。在存储区域的划分上，可以根据交通卡、门禁卡、支付卡、会员卡等不同的卡片的类型，将不同类型卡片的卡信息存储在不同的存储区域。也可以在每个存储区域仅存储一张卡片的卡信息。
需要说明的是，每个存储区域之间互不关联可以是逻辑上的相互独立从而互不关联，也可以是物理上的相互独立从而互不关联，当每个存储区域为物理上的相互独立时，还可通过选通电路与处理器连接，从而选通目标卡片的卡信息所在的存储区域与处理器连接。
输入单元12，用于接收第一指令。
其中，第一指令用于指示多个卡片中的目标卡片。输入单元12具体可以为实体按键键盘或者外置拨码开关。
处理器13，分别与存储器11和输入单元12连接，用于根据所述第一指令，从存储器11中读取所述目标卡片的卡信息。
其中，卡信息可以包括用于与银行或者商户的后台安全系统进行交互的所有安全认证信息，如用户名和密钥。
通信单元14，与处理器13连接，用于加载读取到的目标卡片的卡信息，以使外部终端获取所加载的目标卡片的卡信息。
具体的，通信单元14可采用近场通信(Near Field Communication，NFC)方式，或者其他有线或者无线方式主动向外部终端发送所加载的目标卡片的卡信息；另外，该通信单元14在包括NFC芯片时，还可使NFC芯片工作于被动模式，也就是说，NFC芯片加载目标卡片的卡信息，从而外部终端利用对应的NFC芯片对所加载目标卡片的卡信息进行读取，即可获取到目标卡片的卡信息。进而外部终端根据目标卡片的卡信息，对该目标卡片对应的用户数据进行操作处理。例如若目标卡片为支付卡，可以对支付卡对应的账户进行支付操作；若目标卡片为门禁卡，还可以对门禁卡对应的用户权限进行鉴权操作。
进一步，输入单元12还可接收目标卡片的卡密码。相应的，通信单元14，还 用于加载该目标卡片的卡密码。
具体的，输入单元12在接收到第一指令之后，还可以接收到目标卡片的卡密码，从而处理器13将该卡密码发送给通信单元，进而通信单元14通过处理器13接收到目标卡片的卡密码之后，进行加载。例如：在目标卡片为支付卡的应用场景中，用户选定该支付卡之后，输入卡密码，从而外部终端获取加载的卡信息和卡密码，根据该卡信息和卡密码与银行后台系统进行交互，实现支付。
本实施例中，通过多卡合一装置在输入单元接收用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。
图2为本发明另一实施例提供的多卡合一装置的结构示意图，如图2所示，本实施例中的多卡合一装置在上一实施例的基础上，进一步包括：显示单元21。
在本实施例中，输入单元12，还用于获取用户输入的鉴权信息。
可选的，本实施例中的多卡合一装置，需要根据鉴权信息对用户进行鉴权之后，用户才能够选定目标卡片，进而发出第一指令。其中，鉴权信息可以包括解锁密码和/或指纹。例如：多卡合一装置启动之后，或者需要进行切换卡即更改所选定的目标卡片时，请求用户输入鉴权信息，从而利用作为键盘的输入单元12获取用户所输入的密码，还可利用指纹识别器获取用户的指纹。
处理器13，还用于若根据所述鉴权信息鉴权通过，则控制显示单元显示提示信息。
其中，提示信息用于提示用户从多个卡片中选定目标卡片。
显示单元21，与处理器13连接，用于在处理器的控制下，显示提示信息。
具体的，显示单元21通过触摸屏实现，该触摸屏还可用于实现输入单元12的功能。显示单元21显示的提示信息可以是包含卡片的卡标识的下拉菜单，或者图标，显示单元21所显示的卡标识可以是多个卡片中的全部 或部分卡片的卡标识，本实施例中对此不做限定。
进一步，为了在目标卡片为支付卡的应用场景中，提高多卡合一装置的安全性，本实施例提供的多卡合一装置还可以实现对用户进行目标卡片的待支付信息的提示，只有当用户确认在多卡合一装置上所显示的待支付信息无误的情况下，通信单元14才会加载目标卡片的卡信息，从而利用该目标卡片执行该待支付信息所对应的支付操作，因此，提高了安全性，避免了支付卡的误刷和盗刷。具体的：
处理器13，还用于当接收到第三指令时，控制显示单元21显示第三指令所指示的待支付信息。
其中，显示该待支付信息用于提示用户确认是否利用目标卡片进行支付信息所对应的支付。
具体的，在目标卡片为支付卡的应用场景中，第三指令可以包括待支付金额、交易商户名称以及交易商户账号等待支付信息，处理器13当接收到第三指令时，控制显示单元21显示待支付金额、交易商户名称以及交易商户账号等待支付信息。
相应的，显示单元21，还用于在处理器13的控制下，显示待支付信息，以获得待支付信息对应的确认信息。
输入单元12，还用于接收用户输入的用于确认利用所述目标卡片进行支付的确认信息。具体的，用于接收用户输入的对应待支付信息的确认信息。
具体的，若用户确定显示单元21显示的待支付信息无误，则通过输入单元12输入确认信息，该确认信息用于确认利用所述目标卡片进行待支付信息对应的支付。
处理器13，还用于根据接收的确认信息，生成第二指令。
通信单元14，具体用于当接收到第二指令时，加载处理器13读取的目标卡片的卡信息。
本实施例中，通过多卡合一装置在输入单元接收用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。
图3为本发明一实施例提供的多卡合一系统的结构示意图，如图3所示，包括如前述实施例所述的多卡合一装置31和外部终端32。
多卡合一装置31可以采用NFC方式与外部终端32之间进行通信。也可以采用其他有线或者无线方式与外部终端32进行通信。
需要说明的是，多卡合一装置31中所包含的各功能模块可参见前述实施例的相应描述，本实施例中不再赘述。
外部终端32，用于获取多卡合一装置所加载的目标卡片的卡信息，根据目标卡片的卡信息，进行操作处理。
其中，外部终端32可以为销售终端(point of sale，POS)机，或者自动取款机(Automatic Teller Machine，ATM)机，或者计算机和智能手机的组合。
需要说明的是，本领域技术人员可以知晓，外部终端32与多卡合一装置31进行通信，则外部终端32中包含与多卡合一装置中的通信单元所安装的芯片相应的芯片。如：若多卡合一装置31中的通信单元包括NFC芯片，则外部终端32为包括NFC芯片的POS机，或者为包括NFC芯片的ATM机，或者为计算机和包括NFC芯片的智能手机的组合。
为了清楚说明本实施例，本实施例还提供了一种目标卡片为支付卡、外部终端32为ATM机的应用场景，以对本实施例中的多卡合一系统进行说明。
用户在多卡合一装置31的输入单元上输入第一指令，从而指示所选定的目标卡片，进而多卡合一装置31的处理器从存储器中读取该目标卡片的卡信息，然后，通信单元利用NFC芯片加载该目标卡片的卡信息。
ATM机利用所安装的NFC芯片从多卡合一装置31上获取其所加载的目标卡片的卡信息。ATM机获取到该目标卡片的卡信息之后，在ATM机的显示器上提示用户输入目标卡片的卡密码，若卡密码正确则鉴权通过，执行取现、存款或者支付等流程，从而对该目标卡片进行操作。
需要说明的是，当外部终端32为POS机时，多卡合一系统的工作流程与前述流程相似，区别仅在于若卡密码正确则鉴权通过，POS机仅可执行支付流程，此处不再赘述。
本实施例中，通过多卡合一装置在输入单元接收用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。
图4为本发明另一实施例提供的多卡合一系统的结构示意图，在上一实施例的基础上，在本实施例中，多卡合一装置31中的通信单元包括NFC芯片，外部终端32包括计算机321和包括NFC芯片的智能手机322。
智能手机322，用于利用NFC芯片，从所述多卡合一装置31获取所述目标卡片的卡信息，向所述计算机321转发所述目标卡片的卡信息。
计算机321，采用有线或无线方式与智能手机322连接，用于与银行或者商户的后台系统所在服务器交互以根据所述目标卡片的卡信息，在进行身份和安全认证通过时，对所述目标卡片对应的用户数据进行操作处理。
具体的，计算机321根据目标卡片的卡信息与银行或者商户的后台系统所在服务器进行交互，以使该后台系统根据卡信息进行安全认证通过后，计算机321继续与该后台系统进行交互，执行对目标卡片对应的用户数据进行相应的操作处理的流程。其中，用户数据可以为账户、积分用户权限等。相应的，操作处理流程可为查询目标卡片对应的积分流程，或者利用该目标卡片对应的账户进行支付的流程。
为了清楚说明本实施例，本实施例还提供了一种目标卡片为支付卡的应用场景：
首先，用户在多卡合一装置31的输入单元上输入第一指令，从而指示所选定的目标卡片，进而多卡合一装置31的处理器从存储器中读取该目标卡片的卡信息，然后，通信单元利用NFC芯片加载该目标卡片的卡信息。
然后，用户利用计算机321在电商平台进行在线支付时，由电商平台生成二维码，该二维码内包含包括待支付金额、交易商户名称以及交易商户账号等待支付信息，并将该二维码在计算机321的显示器上进行显示。
智能手机322利用摄像头对二维码进行扫描，解码后生成第三指令，该第三指令中包含待支付金额、交易商户名称以及交易商户账号等待支付信息。 智能手机322采用NFC方式向多卡合一装置31发送该第三指令。
多卡合一装置31中的处理器13通过通信单元14接收到该第三指令之后，控制显示单元21显示第三指令中的待支付信息。显示单元21在处理器13的控制下，显示该待支付信息，以使输入单元12获取该待支付信息对应的确认信息，其中，待支付信息对应的确认信息用于确认利用目标卡片进行支付信息对应的支付。当输入单元12获取到用户输入的确认信息时，处理器13根据获取的确认信息，生成第二指令，向通信单元14发送该第二指令。通信单元14当接收到第二指令时，加载处理器读取的目标卡片的卡信息。
智能手机322采用NFC方式，从多卡合一装置31获取做加载的目标卡片的卡信息。
计算机321采用有线或无线方式从智能手机322获取该目标卡片的卡信息，与银行或商户的后台系统所在服务器交互，从而根据目标卡片的卡信息，在进行身份和安全认证通过时，对目标卡片对应的用户数据进行操作处理。其中，用户数据在目标卡片为支付卡的应用场景中具体可为账户，该操作具体可为支付操作。
需要说明的是，若用户需要切换所加载的卡信息，则可再次执行在多卡合一装置31的输入单元上输入第一指令的步骤。此时，该第一指令用于指示切换后的目标卡片。
本实施例中，通过多卡合一装置在输入单元接收用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。
图5为本发明一实施例提供的卡信息加载方法的流程示意图，本实施例所提供的卡信息加载方法可由多卡合一移动装置实施，如图5所示，包括：
501、接收第一指令。
其中，第一指令用于指示多个卡片中的目标卡片。
进一步，在接收第一指令之前，接收用户输入的鉴权信息。其中，鉴 权信息可以包括解锁密码和/或指纹。若根据鉴权信息鉴权通过，则显示提示信息，该提示信息用于提示用户从多个卡片中选定目标卡片。
502、根据第一指令，从预存的卡信息中，读取目标卡片的卡信息。
503、加载读取到的目标卡片的卡信息。
具体的，若多卡合一装置采用NFC方式进行通信，则在加载目标卡片的卡信息之后，可以采用主动方式向外部终端发送该卡信息或者采用被动的方式，等待外部终端从多卡合一装置获取其所加载的目标卡片的卡信息，进而外部终端根据目标卡片的卡信息，进行操作处理。其中，外部终端可以为包括NFC芯片的POS机，或者为包括NFC芯片的ATM机，或者为计算机和包括NFC芯片的智能手机的组合。智能手机可以用于利用NFC芯片，从多卡合一装置获取目标卡片的卡信息，向所述计算机转发目标卡片的卡信息；计算机可以采用有线或无线方式与智能手机连接，用于与银行或者商户的后台系统所在服务器进行交互，以根据目标卡片的卡信息进行安全认证通过后，对目标卡片对应的用户数据进行操作处理。
本实施例中，通过多卡合一装置在输入单元接收用户发出的第一指令之后，处理器根据第一指令从存储器中读取第一指令所指示的目标卡片的卡信息，然后通信单元仅加载该目标卡片的卡信息，从而使得外部终端仅可以获取该目标卡片的卡信息，因此，避免了外部终端在用户不知情的情况下读取进而复制多卡合一装置中所存储的全部卡信息，提高了多卡合一装置的安全性。
本领域普通技术人员可以理解：实现上述各方法实施例的全部或部分步骤可以通过程序指令相关的硬件来完成。前述的程序可以存储于一计算机可读取存储介质中。该程序在执行时，执行包括上述各方法实施例的步骤；而前述的存储介质包括：ROM、RAM、磁碟或者光盘等各种可以存储程序代码的介质。
最后应说明的是：以上各实施例仅用以说明本发明的技术方案，而非对其限制；尽管参照前述各实施例对本发明进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分或者全部技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本发明各实施例技术方案的范围。

Claims (12)

  1. 一种多卡合一装置，包括用于存储多个卡片的卡信息的存储器，其特征在于，所述多卡合一装置还包括：
    输入单元，用于接收第一指令；所述第一指令用于指示所述多个卡片中的目标卡片；
    处理器，用于根据所述第一指令，从所述存储器中读取所述目标卡片的卡信息；
    所述通信单元，用于加载读取到的目标卡片的卡信息，以使外部终端从所述通信单元获取所加载的目标卡片的卡信息。
  2. 根据权利要求1所述的多卡合一装置，其特征在于，
    所述输入单元，还用于获取用户输入的鉴权信息；
    所述处理器，还用于若根据所述鉴权信息鉴权通过，则控制显示单元显示提示信息；所述提示信息用于提示用户从所述多个卡片中选定所述目标卡片；
    则所述多卡合一装置，还包括：
    显示单元，用于在所述处理器的控制下，显示所述提示信息。
  3. 根据权利要求2所述的多卡合一装置，其特征在于，所述鉴权信息包括解锁密码和/或指纹；
    则所述输入单元包括：键盘和/或指纹识别器。
  4. 根据权利要求1所述的多卡合一装置，其特征在于，
    所述输入单元，还用于接收所述目标卡片的卡密码；
    所述通信单元，还用于加载所述目标卡片的卡密码。
  5. 根据权利要求1-4任一项所述的多卡合一装置，其特征在于，
    所述通信单元，具体用于当接收到第二指令时，加载所述处理器读取的目标卡片的卡信息。
  6. 根据权利要求5所述的多卡合一装置，其特征在于，所述目标卡片为支付卡；
    所述输入单元，还用于获取用户输入的用于确认利用所述目标卡片进行支付的确认信息；
    所述处理器，还用于根据获取的确认信息，生成并发送所述第二指令。
  7. 根据权利要求6所述的多卡合一装置，其特征在于，
    所述处理器，还用于当接收到第三指令时，控制所述显示单元显示所述第三指令所指示的待支付信息；
    所述显示单元，还用于在所述处理器的控制下，显示所述待支付信息，以使所述输入单元获取所述待支付信息对应的确认信息。
  8. 根据权利要求1-4任一项所述的多卡合一装置，其特征在于，所述通信单元包括：近场通信NFC芯片。
  9. 一种多卡合一系统，其特征在于，包括：如权利要求1-8任一项所述的多卡合一装置，以及外部终端；
    所述外部终端，用于获取所述多卡合一装置所加载的目标卡片的卡信息。
  10. 根据权利要求9所述的多卡合一系统，其特征在于，若所述多卡合一装置中的通信单元包括近场通信NFC芯片，则所述外部终端为包括NFC芯片的销售终端POS机，或者为包括NFC芯片的自动取款机ATM机，或者为计算机和包括NFC芯片的智能手机的组合；
    其中，所述智能手机，用于利用NFC芯片，从所述多卡合一装置获取所述目标卡片的卡信息，向所述计算机转发所述目标卡片的卡信息；
    所述计算机，采用有线或无线方式与所述智能手机连接，用于与服务器交互以根据所述目标卡片的卡信息进行身份和安全认证通过时，对所述目标卡片对应的用户数据进行操作处理。
  11. 一种卡信息加载方法，其特征在于，包括：
    接收第一指令；所述第一指令用于指示多个卡片中的目标卡片；
    根据所述第一指令，从预存的所述多个卡片的卡信息中，读取所述目标卡片的卡信息；
    加载读取到的目标卡片的卡信息。
  12. 根据权利要求11所述的卡信息加载方法，其特征在于，所述接收第一指令之前，还包括：
    接收用户输入的鉴权信息；
    若根据所述鉴权信息鉴权通过，则显示提示信息；所述提示信息用于提示用户从所述多个卡片中选定所述目标卡片。
PCT/CN2015/086641 2014-08-12 2015-08-11 多卡合一装置、系统和卡信息加载方法 WO2016023467A1 (zh)

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