WO2016082405A1 - 穿戴设备及基于该穿戴设备的数据交互方法 - Google Patents

穿戴设备及基于该穿戴设备的数据交互方法 Download PDF

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Publication number
WO2016082405A1
WO2016082405A1 PCT/CN2015/075659 CN2015075659W WO2016082405A1 WO 2016082405 A1 WO2016082405 A1 WO 2016082405A1 CN 2015075659 W CN2015075659 W CN 2015075659W WO 2016082405 A1 WO2016082405 A1 WO 2016082405A1
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Prior art keywords
data
chip
interaction
payment account
wearable device
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PCT/CN2015/075659
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English (en)
French (fr)
Inventor
刘哲
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捷开通讯(深圳)有限公司
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Application filed by 捷开通讯(深圳)有限公司 filed Critical 捷开通讯(深圳)有限公司
Priority to US14/898,596 priority Critical patent/US10296896B2/en
Priority to EP15864016.9A priority patent/EP3226189A4/en
Publication of WO2016082405A1 publication Critical patent/WO2016082405A1/zh

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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
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means 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
    • G06Q20/321—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wearable 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
    • G06Q20/34—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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/349—Rechargeable cards

Definitions

  • the present invention relates to the field of data interaction technologies, and in particular, to a wearable device and a data interaction method based on the wearable device.
  • the card's data interaction program is based primarily on an online account and a payment account (offline wallet or bus card).
  • the online account is used for online payment to recharge the payment account
  • the recharge program is to provide a mini card reader with a value of about 100 yuan for the user to recharge the card through the built-in card reader chip of the mini card reader, correspondingly the interaction scheme is also Data interaction is performed by a card reader chip built into the mini card reader.
  • the technical problem to be solved by the present invention is to provide a wearable device and a data interaction method based on the wearable device, which can improve the convenience of card charging.
  • a technical solution adopted by the present invention is to provide a wearable device, including a card reading chip and a micro control chip connected thereto, a crystal unit, a communication module, and an antenna connected to the crystal unit, in data interaction.
  • the card reader chip is used to perform the first data writing operation on the payment account of the wafer under the control of the micro control chip, so that the payment account holds the recharge data to be recharged; in the interaction phase of the data interaction, the mobile credit card is swiped.
  • the antenna is connected to the first terminal, so that the first terminal performs a second data writing operation on the payment account by using the energy provided by the antenna to deduct the interaction data to be exchanged from the payment account; in the interaction phase of the data interaction
  • the card reader chip is used under the control of the micro control chip to deduct the interaction data to be exchanged from the payment account of the wafer, wherein the communication module is configured to establish a connection with the second terminal to bind the payment account to the second terminal.
  • the micro-control chip obtains the pre-configuration of the second terminal through the communication module, and reads according to the pre-configured control Chip online payment, pre-arranged password Free comprising defining data exchange operation, a single upper and / or one-day interactive online account data and automatically transferred to the upper limit of any combination of the payment interaction data in the account.
  • the card reading chip completes the first data writing operation, it is further used for data reading operation on the wafer to ensure that the refill data held by the payment account is the recharge data to be recharged.
  • the wearable device further comprises a display screen for displaying the recharge data to be recharged and a vibration motor for vibrating the reminder.
  • the micro-control chip is further configured to confirm whether the data held by the payment account is greater than or equal to the interaction data, and if not, control the display screen and the vibration motor to remind, if yes, the micro-control chip further determines whether the interactive confirmation option is enabled; When enabled, the micro-control chip controls the display screen to display interactive data, and controls the vibration motor to remind the vibration reminder; if not, the micro-control chip controls the card reader chip to deduct the interaction data from the payment account, and controls the display screen and the vibration motor to remind .
  • the communication module is further configured to send the interaction data to the second terminal under the control of the micro control chip.
  • another technical solution adopted by the present invention is to provide a wearable device, including a card reading chip and a micro control chip and a die connected thereto, and in the recharging stage of data interaction, the card reader chip is used for The first data write operation is performed on the payment account of the wafer under the control of the micro control chip, so that the payment account holds the recharge data to be recharged; in the interaction phase of the data interaction, the wafer is used to deduct the desired interaction from the payment account.
  • Interactive data including a card reading chip and a micro control chip and a die connected thereto, and in the recharging stage of data interaction, the card reader chip is used for The first data write operation is performed on the payment account of the wafer under the control of the micro control chip, so that the payment account holds the recharge data to be recharged; in the interaction phase of the data interaction, the wafer is used to deduct the desired interaction from the payment account.
  • the wearable device further includes an antenna connected to the crystal unit, the antenna is configured to be connected to the first terminal, so that the first terminal performs a second data write operation on the payment account by using the energy provided by the antenna to deduct the interaction data from the payment account. .
  • the interaction phase includes online payment, and the card reader chip is further configured to deduct the interaction data from the payment account under the control of the micro control chip.
  • the wearable device further includes a communication module, configured to establish a connection with the second terminal, so that the payment account is bound to the online account of the second terminal.
  • the micro-control chip is further configured to obtain a pre-configuration of the second terminal through the communication module, and control the card reading chip according to the pre-configuration, and pre-configure includes an upper limit of the password-free operation, the single-time and/or the single-day interaction data when the data interaction is limited. And any combination of the upper limit of the interactive data that the online account automatically transfers to the payment account.
  • the card reading chip completes the first data writing operation, it is further used for data reading operation on the wafer to ensure that the refill data held by the payment account is the recharge data to be recharged.
  • the wearable device further comprises a display screen for displaying the recharge data to be recharged and a vibration motor for vibrating the reminder.
  • the micro-control chip is further configured to confirm whether the data held by the payment account is greater than or equal to the interaction data, and if not, control the display screen and the vibration motor to remind, if yes, the micro-control chip further determines whether the interactive confirmation option is enabled; When enabled, the micro-control chip controls the display screen to display interactive data, and controls the vibration motor to remind the vibration reminder; if not, the micro-control chip controls the card reader chip to deduct the interaction data from the payment account, and controls the display screen and the vibration motor to remind .
  • the communication module is further configured to send the interaction data to the second terminal under the control of the micro control chip.
  • the wearable device includes a card reading chip and a micro control chip and a crystal chip connected to the card reading chip, and the method includes: In the recharge phase of the interaction, the card reader chip performs a data write operation on the payment account of the wafer under the control of the micro control chip, so that the payment account holds the recharge data to be recharged; in the interaction phase of the data interaction, the card reader chip is in the micro phase. The interaction data to be exchanged is deducted from the payment account of the wafer under the control of the control chip.
  • the embodiment of the present invention performs a data writing operation on a payment account held by a crystal cell of a card through a card reader chip of the wearable device, and replaces the traditional device with a wearable device.
  • the card reader performs recharge and interaction, and the portable device is easy to carry, which can greatly improve the convenience of the card solution.
  • FIG. 1 is a schematic block diagram of a wearable device in accordance with a preferred embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an application scenario of the wearable device shown in FIG. 1.
  • the wearable device 10 of the present embodiment includes a micro control chip 11 , a card reader chip 12 , and a crystal chip 13 .
  • the micro control chip 11 and the crystal chip 13 are connected to the card reader chip 12 , and may be preferably electrically. Connect to achieve communication between them.
  • the wearable device 10 of the present embodiment includes a micro control chip 11 , a card reader chip 12 , and a crystal chip 13 .
  • the micro control chip 11 and the crystal chip 13 are connected to the card reader chip 12 , and may be preferably electrically. Connect to achieve communication between them.
  • the card reader chip 12 performs a first data write operation on the payment account held by the wafer 13 under the control of the micro control chip 11 so that the payment account holds the recharge data to be recharged.
  • the wafer 13 is used to deduct the interaction data to be exchanged from the payment account.
  • deducting the interactive data specifically supports two ways, one is similar to the current life of mobile card payment, that is, the wearable device 10 is close to the card reader, through NFC (Near Field) Communication, short-range wireless communication technology, performs data writing operation on the payment account of the crystal unit 13 to deduct the interaction data from the payment account; second, online payment, that is, the card reading chip 12 under the control of the micro-control chip 11
  • the payment account of 13 performs a data write operation to deduct the interaction data from the payment account.
  • the main purpose of the embodiment is to perform a data write operation on the payment account held by the wafer 13 of the existing card through the card reader chip 12 of the wearable device 10, and open the payment account such as the offline wallet with the online account, and the wearable device 10 is utilized.
  • the mobile payment is directly completed by the wearable device 10, and the convenience of carrying the device 10 greatly enhances the convenience of the card solution.
  • FIG. 2 is a schematic structural diagram of an application scenario of the wearable device 10 shown in FIG. 1 and 2, the wearable device 10 further includes an antenna 14 coupled to the wafer 13.
  • the antenna 14 of the present embodiment is used to establish a connection with the first terminal when the wearable device 10 approaches the first terminal such as the card reader, so that the energy provided by the first terminal through the antenna 14 is a single-sided pair of crystal cells.
  • the payment account of 13 performs a second data write operation to deduct the interaction data from the payment account.
  • the micro control chip 11 and the card reader chip 12, the card reader chip 12 and the wafer 13 are connected by using the ISO14443 protocol, and the USART is used in the transport layer protocol part.
  • the USART is used in the transport layer protocol part.
  • Universal Synchronous/Asynchronous Receiver/Transmitter a universal synchronous/asynchronous serial receive/transmitter protocol, with a synchronous clock and a pin pin for mobile payment, wherein the pin is used for communication to transmit data TX and receive RX, that is, to achieve pin foot recovery use.
  • Microcontroller chip 11 is MCU (Micro Control A Unit, Micro Control Unit chip, preferably an STM32 chip, is primarily used to control the card reader chip 12 to implement data read/write operations, and to configure the wearable device 10 to be in smart mode.
  • MCU Micro Control A Unit
  • STM32 chip is primarily used to control the card reader chip 12 to implement data read/write operations, and to configure the wearable device 10 to be in smart mode.
  • the size of the card reader chip 12 is preferably 4*4 mm, and the power consumption in the unused state is below microamperes, and the power consumption is low.
  • the card reader chip 12 integrates the ISO7816 protocol in the confidential and message parts, and of course, the SPI (Serial) can also be selected. Peripheral Interface, or I2c (Inter-Integrated) Circuit, two-wire serial bus) interface to integrate a contactless card and a contact card reader.
  • the card reader chip 12 of the present embodiment can well meet some of the more demanding financial-related payment scenarios, and can overcome the design difficulties of implementing the entire protocol and high-intensity encryption through the micro-control chip 11, and requires hardware. Decoding to meet the shortcomings of many industry standards.
  • the wafer 13 is packaged on a circuit board of the wearable device 10, which supports dual interfaces to support both the ISO 14443 protocol of the contactless card and the ISO 7816 protocol of the contact card. That is to say, when the credit card payment is performed by using the card swiping machine, the data of the payment account held by the crystal unit 13 is provided through the antenna 14; during the recharge and online payment, the micro-control chip 11 is used to control the card reading chip 12 to pass the ISO7816. The protocol directly modifies the data.
  • the main purpose of the antenna 11 is to ensure that the wearable device 10 is compatible with card readers that are commonly used in the current life. And it is preferable to place the wafer 13 inside the entire wearing device 10 so that the area of the antenna 11 is as large as possible to ensure the practicality of the card.
  • the wearable device 10 of the embodiment of the present invention further includes a communication module 15, a display screen 16, and a vibration motor 17.
  • a communication module 15 for converting a signal to a signal.
  • a display screen 16 for displaying images
  • a vibration motor 17 for generating vibrations.
  • the specific principle and process of implementing mobile payment by the wearable device 10 are described in detail below with reference to FIG. 1 :
  • the communication module 15 establishes a connection with the second terminal 22 to bind the payment account of the wafer 13 to the online account of the second terminal 22.
  • the micro-control chip 11 can also obtain the pre-configuration of the second terminal 22 through the communication module 15, and control the card-reading chip 12 to perform corresponding operations according to the pre-configuration.
  • the pre-configuration preferably includes a combination of any one or at least two of an upper limit of the data-free operation, the upper limit of the single-time and/or single-day interaction data, and the upper limit of the interaction data of the online account automatically transferred to the payment account, of course. It may also include an account of the payment account and information of the second terminal 22, such as a mobile number binding.
  • the refill data is configured by the application APP associated with the second terminal 22, and then the recharge data is encrypted according to the protocol requirements, and is transparently transmitted to the wearable device 10 through the communication module 15.
  • the micro-control chip 11 performs security check and decryption operations on the encrypted data received by the wearable device 10, and then controls the card reader chip 12 to perform a first data write operation on the payment account of the wafer 13 so that the payment account holds the required recharge value. Recharge data.
  • the micro control chip 11 controls the card reader chip 12 to perform a data read operation on the payment account of the wafer 13 to ensure that the refill data held by the payment account is the recharge data to be recharged. And after the entire data write/read operation is successful, the micro control chip 11 generates a refill successful transaction information, and controls the communication module 15 to present the refilled successful transaction information to the user through the display screen 16, and the display screen 16 can also display the recharge value.
  • the recharge data is used to alert the user through the vibration of the vibration motor 17, and then the micro control chip 11 also controls the communication module 15 to transmit the current interaction information back to the second terminal 22 for unified management.
  • the wearable device 10 When the user needs to perform the card interaction of the payment account, the wearable device 10 is close to the first terminal of the transaction party, and the first terminal automatically reads the interactive data of the interaction and deducts the interaction data from the payment account.
  • the micro-control chip 11 of the embodiment of the present invention is further configured to confirm whether the data held by the payment account is greater than or equal to the interaction data to determine whether the interaction can be performed. If the data held by the payment account is less than the current interaction data, the micro control chip 11 controls the display screen 16 and the vibration motor 17 to remind the user to perform the recharge.
  • the micro-control chip 11 further determines whether the interactive confirmation option displayed on the display screen 16 is turned on. If enabled, the micro-control chip 11 controls the display screen 16 to display interactive data, and controls the vibration motor 17 to vibrate to remind the user to confirm, facilitating timely transactions.
  • the micro control chip 11 controls the card reader chip 12 to directly deduct the interaction data from the payment account, and controls the display screen 16 and the vibration motor 17 to remind the completion of the interaction.
  • the micro control chip 11 also controls the communication module 15 to transmit the current interaction information back to the second terminal 22 for unified management.
  • the user can perform transaction confirmation on the interactive content and the interaction amount in real time through the second terminal 22 or the wearable device 10, and query and manage the historical interaction record, and also update the account information on the online account.
  • the wearable device 10 can correspond to the login payment account, and the second terminal 22 can correspondingly log in to the online account, and the online account is similar to the electronic bond that can be bound to the bank card account or the UnionPay mobile bank account, such as Yubao and Licai. Account, or other electronic ticket counting account, check-in queue service account. Based on,
  • the data interaction mentioned in the full text of the embodiment of the present invention is preferably described in the form of an electronic cash amount transaction payment, for example, a bus card payment, and preferably the wearable device 10 is a payer terminal of the transaction, and the corresponding payment account is in the transaction payment.
  • the electronic cash payment account, the first terminal is, for example, a card reader of a car or subway gate.
  • the first terminal uses the smart phone as the example, and the second terminal 22 is not limited to this. Both of them may be any terminal device that satisfies the above transaction payment function, including a PDA (Personal Any combination of Digital Assistant, personal digital assistant or tablet), portable mobile communication terminal, and the like.
  • the wearable device 10 mentioned in the full text of the embodiment of the present invention is exemplified by a smart wristband, and is of course not limited to a smart wristband, and may be any terminal having a mobile payment function, including a smart watch and being disposed in jewelry and clothing. Embedded devices in accessories, etc.
  • the connection mode between the communication module 15 and the second terminal 22 of the wearable device 10 may be wireless, including a connection mode such as near field communication and Bluetooth.
  • the embodiment disclosed in the wearable device 10 shown in FIG. 1 is merely schematic, and may be further divided in actual implementation, for example, may further include a sensor module, a battery and power management module, a charging module, and a flash memory.
  • the sensor module can include an acceleration sensor for recognizing the user's transaction actions and collecting action information, and completing the functions of the user's step counting and calorie consumption through the acceleration sensor, and providing the mobile phone short message, incoming call, and the like in real time.
  • the battery and power management module is mainly used for power supply of the wearable device 10 and low power consumption management
  • the charging module is used to implement the charging function of the wearable device 10
  • the flash storage memory is mainly used for wearing Storage of system programs of device 10 and storage of related data.
  • the embodiment of the present invention further provides a data interaction method based on the wearable device 10.
  • a data interaction method based on the wearable device 10.
  • the payment account is bound to the online account, which allows the user to directly query the amount in the bus card and complete the recharge of the bus card by using the smart phone, and allows the third party transaction institution to wirelessly swipe the card.
  • the wearer device 10 quickly completes the payment transaction process.
  • the wearable device 10 of the embodiment of the present invention can be adapted to more use scenarios because the user wears it, and can adopt a more natural payment action when paying, thereby greatly improving the convenience of the travel card. Sex, while greatly reducing the probability of users forgetting to bring a bus card.
  • the wearable device 10 of the embodiment of the present invention can also be used for an electronic ticket counting account, a meeting and queuing service for important events, and the like.

Abstract

公开了一种穿戴设备及基于该穿戴设备的数据交互方法。该穿戴设备包括读卡芯片（12）以及与其连接的微控芯片（11）和晶元（13），在数据交互的充值阶段，读卡芯片（12）用于在微控芯片（11）的控制下对晶元（13）的支付账户进行第一次数据写操作，以使支付账户持有所要充值的充值数据；在数据交互的交互阶段，晶元（13）用于从支付账户中扣除所要交互的交互数据。通过上述方式，该方案利用穿戴设备取代传统的刷卡器进行充值和交互，穿戴设备的便于携带可极大的提高一卡通方案的便利性。

Description

穿戴设备及基于该穿戴设备的数据交互方法
【技术领域】
本发明涉及数据交互技术领域，特别涉及一种穿戴设备及基于该穿戴设备的数据交互方法。
【背景技术】
随着通信电子技术的发展，电子商务交互已成为大众生活中不可或缺的一部分。其中，一卡通等移动支付作为电子商务交互的重要组成，以其具有的面对面交互的优点，更是为大众普遍使用。
当前，一卡通的数据交互方案主要基于一个在线账户和一个支付账户（离线钱包或公交卡）。其中，在线账户用于网上支付以为支付账户充值，其充值方案是为用户有偿提供一个价值百元左右的迷你刷卡器，以通过迷你刷卡器内置的读卡芯片进行充值，对应地其交互方案也是通过迷你刷卡器内置的读卡芯片进行数据交互。
然而，由于支付账户的公交卡无法挂失，导致人们普遍不愿意为其充值较大数额，这又会导致支付账户需要经常充值，但迷你刷卡器不便于携带，排队充值也为大众所诟病，可见当前的一卡通的数据交互方案在移动支付，特别是充值时极为不便。
【发明内容】
鉴于此，本发明所要解决的技术问题是提供一种穿戴设备及基于该穿戴设备的数据交互方法，能够提高一卡通充值的便利性。
为解决上述技术问题，本发明采用的一个技术方案是：提供一种穿戴设备，包括读卡芯片以及与其连接的微控芯片、晶元、通信模块以及与晶元连接的天线，在数据交互的充值阶段，读卡芯片用于在微控芯片的控制下对晶元的支付账户进行第一次数据写操作，以使支付账户持有所要充值的充值数据；在数据交互的交互阶段为移动刷卡支付时，天线与第一终端连接，使得第一终端通过天线提供的能量单方对支付账户进行第二次数据写操作，以从支付账户中扣除所要交互的交互数据；在数据交互的交互阶段为在线支付时，读卡芯片在微控芯片的控制下用于从晶元的支付账户中扣除所要交互的交互数据，其中通信模块用于与第二终端建立连接以使支付账户绑定第二终端的在线账户，微控芯片通过通信模块得到第二终端的预先配置，并根据预先配置控制读卡芯片进行在线支付，预先配置包括限定数据交互时免密码操作、单次和/或单日交互数据的上限以及在线账户自动转入支付账户的交互数据的上限中的任意组合。
其中，在充值阶段，读卡芯片完成第一次数据写操作之后，进一步用于对晶元进行数据读操作，以确保支付账户持有的充值数据为所要充值的充值数据。
其中，穿戴设备还包括显示屏和震动马达，所述显示屏用于显示所要充值的所述充值数据，震动马达用于震动提醒。
其中，微控芯片还用于确认支付账户持有的数据是否大于或等于交互数据，若否，则控制显示屏和震动马达进行提醒，若是，则微控芯片进一步判断交互确认选项是否开启；若开启，则微控芯片控制显示屏显示交互数据，且控制震动马达提醒震动提醒；若未开启，则微控芯片控制读卡芯片从支付账户中扣除交互数据，并控制显示屏和震动马达进行提醒。
其中，从支付账户中扣除所要交互的交互数据之后，通信模块进一步用于在微控芯片的控制下将交互数据发送给第二终端。
为解决上述技术问题，本发明采用的另一个技术方案是：提供一种穿戴设备，包括读卡芯片以及与其连接的微控芯片和晶元，在数据交互的充值阶段，读卡芯片用于在微控芯片的控制下对晶元的支付账户进行第一次数据写操作，以使支付账户持有所要充值的充值数据；在数据交互的交互阶段，晶元用于从支付账户中扣除所要交互的交互数据。
其中，穿戴设备还包括与晶元连接的天线，天线用于与第一终端连接，使得第一终端通过天线提供的能量对支付账户进行第二次数据写操作，以从支付账户中扣除交互数据。
其中，交互阶段包括在线支付，读卡芯片进一步用于在微控芯片的控制下从支付账户中扣除交互数据。
其中，穿戴设备还包括通信模块，用于与第二终端建立连接，以使支付账户绑定第二终端的在线账户。
其中，微控芯片还用于通过通信模块得到第二终端的预先配置，并根据预先配置控制读卡芯片，预先配置包括限定数据交互时免密码操作、单次和/或单日交互数据的上限以及在线账户自动转入支付账户的交互数据的上限中的任意组合。
其中，在充值阶段，读卡芯片完成第一次数据写操作之后，进一步用于对晶元进行数据读操作，以确保支付账户持有的充值数据为所要充值的充值数据。
其中，穿戴设备还包括显示屏和震动马达，所述显示屏用于显示所要充值的所述充值数据，震动马达用于震动提醒。
其中，微控芯片还用于确认支付账户持有的数据是否大于或等于交互数据，若否，则控制显示屏和震动马达进行提醒，若是，则微控芯片进一步判断交互确认选项是否开启；若开启，则微控芯片控制显示屏显示交互数据，且控制震动马达提醒震动提醒；若未开启，则微控芯片控制读卡芯片从支付账户中扣除交互数据，并控制显示屏和震动马达进行提醒。
其中，从支付账户中扣除所要交互的交互数据之后，通信模块进一步用于在微控芯片的控制下将交互数据发送给第二终端。
为解决上述技术问题，本发明采用的又一个技术方案是：提供一种数据交互方法，穿戴设备包括读卡芯片以及与读卡芯片连接的微控芯片和晶元，所述方法包括：在数据交互的充值阶段，读卡芯片在微控芯片的控制下对晶元的支付账户进行数据写操作，以使支付账户持有所要充值的充值数据；在数据交互的交互阶段，读卡芯片在微控芯片的控制下从晶元的支付账户中扣除所要交互的交互数据。
本发明实施例的有益效果是：区别于现有技术的情况，本发明实施例通过穿戴设备的读卡芯片对一卡通的晶元所持有的支付账户进行数据写操作，利用穿戴设备取代传统的刷卡器进行充值和交互，穿戴设备的便于携带可极大的提高一卡通方案的便利性。
【附图说明】
图1是本发明优选实施例的穿戴设备的原理框图；
图2是图1所示穿戴设备的应用场景的结构示意图。
【具体实施方式】
下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，下文所描述的实施例仅仅是本发明一部分实施例，而不是全部实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性的劳动前提下所获得的所有其他实施例，均属于本发明保护的范围。
图1是本发明优选实施例的穿戴设备的原理框图。请参阅图1所示，本实施例的穿戴设备10包括微控芯片11、读卡芯片12以及晶元13，微控芯片11和晶元13与读卡芯片12连接，具体可优选为电性连接以实现各自之间的通讯。在本实施例中：
在数据交互的充值阶段，读卡芯片12在微控芯片11的控制下对晶元13所持有的支付账户进行第一次数据写操作，以使支付账户持有所要充值的充值数据。在数据交互的交互阶段，晶元13用于从支付账户中扣除所要交互的交互数据。
其中，扣除交互数据具体支持两种方式，一是类似于当前生活中的移动刷卡支付，即穿戴设备10靠近刷卡器，通过NFC（Near Field Communication，近距离无线通讯技术）对晶元13的支付账户进行数据写操作，以从支付账户中扣除交互数据；二是在线支付，即读卡芯片12在微控芯片11的控制下对晶元13的支付账户进行数据写操作，以从支付账户中扣除交互数据。
本实施例的主要目的就是通过穿戴设备10的读卡芯片12对现有一卡通的晶元13所持有的支付账户进行数据写操作，将离线钱包等支付账户与在线账户打通，利用穿戴设备10取代传统的刷卡器进行充值和交互，实现由穿戴设备10直接完成移动支付，借由穿戴设备10的便于携带极大的提高一卡通方案的便利性。
图2是图1所示穿戴设备10在应用场景的结构示意图。请结合图1和图2所示，穿戴设备10还包括与晶元13连接的天线14。
在交互阶段为移动刷卡支付时，本实施的天线14用于在穿戴设备10靠近例如刷卡器的第一终端时与第一终端建立连接，使得第一终端通过天线14提供的能量单方对晶元13的支付账户进行第二次数据写操作，以从支付账户中扣除交互数据。
在图2所示的穿戴设备10中，优选微控芯片11与读卡芯片12之间、读卡芯片12与晶元13之间采用ISO14443协议进行通信连接，且在传输层协议部分采用类USART（Universal Synchronous/Asynchronous Receiver/Transmitter，通用同步/异步串行接收/发送器）协议，具有移动支付时的同步时钟和一个pin脚，其中该pin脚用于通信传输数据的输出TX和接收RX，即实现pin脚复用。
微控芯片11为MCU（Micro Control Unit，微控制单元）芯片，优选为STM32芯片，主要用于控制读卡芯片12实现数据读/写操作，以及将配置穿戴设备10配置为智能模式。
读卡芯片12的尺寸优选为4*4mm，且在不使用状态时的功耗在微安以下，功耗较低。另外读卡芯片12在机密和报文部分集成ISO7816协议，当然也可以选择SPI（Serial Peripheral Interface，串行外设接口）或者I2c（Inter－Integrated Circuit，两线式串行总线）接口，以此集成一个非接触卡和一个接触卡读卡器。本实施例的读卡芯片12可以很好地满足要求更为严格的一些与金融相关的支付场景，能够克服单纯通过微控芯片11实现整个协议和高强度的加密时的设计困难，以及需要硬件解码以满足很多行业标准的缺点。
晶元13封装于穿戴设备10的电路板上，其支持双接口以同时支持非接触卡的ISO14443协议和接触卡的ISO7816协议。也就是说，在使用刷卡机进行移动刷卡支付时，通过天线14提供能量修改晶元13持有的支付账户的数据；在充值和在线支付时，使用微控芯片11控制读卡芯片12通过ISO7816协议直接修改数据。
天线11的主要在于保证穿戴设备10能够与当前生活中普遍使用的刷卡机兼容。并且优选将晶元13置于整个穿戴设备10的内部，使得天线11的面积尽可能大，以保证刷卡的实用性。
请再次参阅图1所示，本发明实施例的穿戴设备10还包括通信模块15、显示屏16和震动马达17。下面结合图1详细介绍穿戴设备10实现移动支付的具体原理及过程：
通信模块15与第二终端22建立连接，以使晶元13的支付账户绑定第二终端22的在线账户。并且，微控芯片11还可以通过通信模块15得到第二终端22的预先配置，并根据预先配置控制读卡芯片12进行对应操作。其中，预先配置优选包括限定数据交互时免密码操作、单次和/或单日交互数据的上限以及在线账户自动转入支付账户的交互数据的上限中的任意一个或至少两个的组合，当然还可以包括支付账户的账号与第二终端22的信息，例如手机号码绑定。
当用户需要进行支付账户的充值时，通过第二终端22相关的应用程序APP进行充值数据的配置，然后对充值数据按照协议要求进行加密，并通过通信模块15透传发送至穿戴设备10。
微控芯片11对穿戴设备10接收的加密数据进行安全性校验、解密操作，之后控制读卡芯片12对晶元13的支付账户进行第一次数据写操作，以使支付账户持有所要充值的充值数据。
本实施例优选微控芯片11控制读卡芯片12对晶元13的支付账户进行数据读操作，以确保支付账户持有的充值数据为所要充值的充值数据。并且整个数据写/读操作成功后，微控芯片11产生一个充值成功交易信息，并控制通信模块15将该充值成功交易信息通过显示屏16呈现给用户，同时显示屏16还可以显示本次充值的充值数据，并通过震动马达17震动提醒用户，之后微控芯片11还会控制通信模块15将本次交互信息传回给第二终端22以进行统一管理。
当用户需要进行支付账户的刷卡交互时，将穿戴设备10靠近交易方的第一终端，第一终端自动会将本次交互的交互数据进行读取，并从支付账户中扣除交互数据。
为进一步改善用户体验，本发明实施例的微控芯片11还用于确认支付账户持有的数据是否大于或等于交互数据，以判断是否能够进行本次交互。若支付账户持有的数据小于本次的交互数据，则微控芯片11控制显示屏16和震动马达17提醒用户进行充值。
若支付账户持有的数据大于或等于交互数据，则微控芯片11进一步判断显示屏16显示的交互确认选项是否开启。若开启，则微控芯片11控制显示屏16显示交互数据，且控制震动马达17震动提醒，以提醒用户进行确认，便于及时交易。
若未开启，则微控芯片11控制读卡芯片12直接从支付账户中扣除交互数据，并控制显示屏16和震动马达17进行提醒本次交互完成。
同理，在本次交互之后，微控芯片11还会控制通信模块15将本次交互信息传回给第二终端22以进行统一管理。
通过上述，用户可以通过第二终端22或穿戴设备10实时对交互内容、交互金额进行交易确认，并对历史交互记录进行查询和管理，另外还可以对在线账户进行账户信息的更新。
在本发明实施例中，穿戴设备10可对应登陆支付账户，第二终端22可对应登陆在线账户，在线账户似于余额宝、理财通等可与银行卡账户或银联手机银行账户绑定的电子账户，或者其他电子票据计次账户、签到排队服务账户。基于此，
本发明实施例全文所提及的数据交互优选以电子现金金额交易支付，例如公交卡支付为例进行详细描述，并且优选穿戴设备10为交易的付款方终端，对应的支付账户为交易支付中的电子现金支付账户，第一终端例如为车载或地铁闸机的刷卡机。另外，第一终端以刷卡机、第二终端22以智能手机为例，当然并不局限于此，两者可以是满足上述交易支付功能的任何终端设备，包括PDA（Personal Digital Assistant，个人数字助理或平板电脑）、便携式移动通信终端等的任意组合。
另外，本发明实施例的全文所提及的穿戴设备10以智能手环为例，当然并不局限于智能手环，可以是具有移动支付功能的任何终端，包括智能手表以及设置于首饰和服装配件中的嵌入设备等。其中，穿戴设备10的通信模块15与第二终端22之间的连接方式可以为无线，包括近场通信、蓝牙等连接方式。
还应理解，图1所示穿戴设备10所揭露的实施方式仅仅是示意性的，实际实现时可以有另外的划分方式，例如还可包括传感器模块、电池和电源管理模块、充电模块、Flash存储内存等，其中：传感器模块可包含一个加速度传感器，用于识别用户的交易动作以及采集动作信息，并通过加速度传感器完成用户的计步和卡路里消耗等功能，并能实时提供手机端短信、来电、闹钟和日历等信息的通知提醒功能；电池和电源管理模块主要用于穿戴设备10的供电和低功耗的电源管理；充电模块用于实现穿戴设备10的充电功能；Flash存储内存主要用于穿戴设备10的系统程序的存储以及相关数据的存储。
本发明实施例还提供一种基于穿戴设备10的数据交互方法，具体可参阅穿戴设备10的工作原理及过程，此处不再赘述。
综上所述，本发明实施例中支付账户与在线账户绑定，可允许用户利用智能手机通过蓝牙直接查询公交卡内的金额以及完成对公交卡的充值，同时允许第三方交易机构的无线刷卡器对穿戴设备10快速完成支付交易流程。并且，相比传统的公交卡和银联卡，本发明实施例的穿戴设备10由于用户随身佩戴，适应更多使用场景，在支付时可以适用更为自然的支付动作，极大地提高出行刷卡的便利性，同时大幅降低用户出门忘带公交卡的概率。
当然，本发明实施例的穿戴设备10还可用于电子票据计次账户、开会及重要活动的签到排队服务等。
再次说明，以上所述仅为本发明的实施例，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，例如各实施例之间技术特征的相互结合，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (15)

  1. 一种穿戴设备，其特征在于，所述穿戴设备包括读卡芯片以及与所述读卡芯片连接的微控芯片、晶元、通信模块以及与所述晶元连接的天线，其中：
    在数据交互的充值阶段，所述读卡芯片用于在所述微控芯片的控制下对所述晶元的支付账户进行第一次数据写操作，以使所述支付账户持有所要充值的充值数据；
    在所述数据交互的交互阶段为移动刷卡支付时，所述天线与第一终端连接，使得所述第一终端通过所述天线提供的能量单方对所述支付账户进行第二次数据写操作，以从所述支付账户中扣除所要交互的交互数据；
    在所述交互阶段为在线支付时，所述读卡芯片在所述微控芯片的控制下用于从所述晶元的所述支付账户中扣除所要交互的所述交互数据，其中所述通信模块用于与第二终端建立连接以使所述支付账户绑定所述第二终端的在线账户，所述微控芯片通过所述通信模块得到所述第二终端的预先配置，并根据所述预先配置控制所述读卡芯片进行所述在线支付，所述预先配置包括限定所述数据交互时免密码操作、单次和/或单日所述交互数据的上限以及所述在线账户自动转入所述支付账户的所述交互数据的上限中的任意组合。
  2. 根据权利要求1所述的穿戴设备，其特征在于，在所述充值阶段，所述读卡芯片完成所述第一次数据写操作之后，进一步用于对所述晶元进行数据读操作，以确保所述支付账户持有的充值数据为所述所要充值的充值数据。
  3. 根据权利要求1所述的穿戴设备，其特征在于，所述穿戴设备还包括显示屏和震动马达，所述显示屏用于显示所要充值的所述充值数据，所述震动马达用于震动提醒。
  4. 根据权利要求3所述的穿戴设备，其特征在于，所述微控芯片还用于确认所述支付账户持有的数据是否大于或等于所述交互数据，若否，则控制所述显示屏和所述震动马达进行提醒，
    若是，则所述微控芯片进一步判断交互确认选项是否开启；
    若开启，则所述微控芯片控制所述显示屏显示所述交互数据，且控制所述震动马达提醒震动提醒；
    若未开启，则所述微控芯片控制所述读卡芯片从所述支付账户中扣除所述交互数据，并控制所述显示屏和所述震动马达进行提醒。
  5. 根据权利要求1所述的穿戴设备，其特征在于，从所述支付账户中扣除所要交互的交互数据之后，所述通信模块进一步用于在所述微控芯片的控制下将所述交互数据发送给所述第二终端。
  6. 一种穿戴设备，其特征在于，所述穿戴设备包括读卡芯片以及与所述读卡芯片连接的微控芯片和晶元，其中：
    在数据交互的充值阶段，所述读卡芯片用于在所述微控芯片的控制下对所述晶元的支付账户进行第一次数据写操作，以使所述支付账户持有所要充值的充值数据；
    在所述数据交互的交互阶段，所述晶元用于从所述支付账户中扣除所要交互的交互数据。
  7. 根据权利要求6所述的穿戴设备，其特征在于，所述穿戴设备还包括与所述晶元连接的天线，所述天线用于与第一终端连接，使得所述第一终端通过所述天线提供的能量对所述支付账户进行第二次数据写操作，以从所述支付账户中扣除所述交互数据。
  8. 根据权利要求6所述的穿戴设备，其特征在于，所述交互阶段包括在线支付，所述读卡芯片进一步用于在所述微控芯片的控制下从所述支付账户中扣除所述交互数据。
  9. 根据权利要求6所述的穿戴设备，其特征在于，所述穿戴设备还包括通信模块，用于与第二终端建立连接，以使所述支付账户绑定所述第二终端的在线账户。
  10. 根据权利要求9所述的穿戴设备，其特征在于，所述微控芯片还用于通过所述通信模块得到所述第二终端的预先配置，并根据所述预先配置控制所述读卡芯片，其中所述预先配置包括限定所述数据交互时免密码操作、单次和/或单日所述交互数据的上限以及所述在线账户自动转入所述支付账户的所述交互数据的上限中的任意组合。
  11. 根据权利要求6所述的穿戴设备，其特征在于，在所述充值阶段，所述读卡芯片完成所述第一次数据写操作之后，进一步用于对所述晶元进行数据读操作，以确保所述支付账户持有的充值数据为所述所要充值的充值数据。
  12. 根据权利要求6所述的穿戴设备，其特征在于，所述穿戴设备还包括显示屏和震动马达，所述显示屏用于显示所要充值的所述充值数据，所述震动马达用于震动提醒。
  13. 根据权利要求12所述的穿戴设备，其特征在于，所述微控芯片还用于确认所述支付账户持有的数据是否大于或等于所述交互数据，若否，则控制所述显示屏和所述震动马达进行提醒，
    若是，则所述微控芯片进一步判断交互确认选项是否开启；
    若开启，则所述微控芯片控制所述显示屏显示所述交互数据，且控制所述震动马达提醒震动提醒；
    若未开启，则所述微控芯片控制所述读卡芯片从所述支付账户中扣除所述交互数据，并控制所述显示屏和所述震动马达进行提醒。
  14. 根据权利要求10所述的穿戴设备，其特征在于，从所述支付账户中扣除所要交互的交互数据之后，所述通信模块进一步用于在所述微控芯片的控制下将所述交互数据发送给所述第二终端。
  15. 一种基于穿戴设备的数据交互方法，其特征在于，所述穿戴设备包括读卡芯片以及与所述读卡芯片连接的微控芯片和晶元，所述方法包括：
    在数据交互的充值阶段，所述读卡芯片在所述微控芯片的控制下对所述晶元的支付账户进行数据写操作，以使所述支付账户持有所要充值的充值数据；
    在所述数据交互的交互阶段，所述读卡芯片在所述微控芯片的控制下从所述晶元的所述支付账户中扣除所要交互的交互数据。
PCT/CN2015/075659 2014-11-24 2015-04-01 穿戴设备及基于该穿戴设备的数据交互方法 WO2016082405A1 (zh)

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