WO2016107260A1 - 一种异频卡间防冲突的方法及双频读卡器 - Google Patents

一种异频卡间防冲突的方法及双频读卡器 Download PDF

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Publication number
WO2016107260A1
WO2016107260A1 PCT/CN2015/093051 CN2015093051W WO2016107260A1 WO 2016107260 A1 WO2016107260 A1 WO 2016107260A1 CN 2015093051 W CN2015093051 W CN 2015093051W WO 2016107260 A1 WO2016107260 A1 WO 2016107260A1
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card
frequency
communication module
control module
dual
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PCT/CN2015/093051
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English (en)
French (fr)
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熊星
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国民技术股份有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns

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  • the present invention generally relates to the field of radio frequency communication, and more particularly to a method for preventing conflicts between inter-frequency cards and a dual-frequency card reader.
  • Both the limited field communication technology (RCC) and the near field communication (NFC) technology use wireless radio frequency signals to realize information transmission.
  • the NFC scheme based on the 13.56 MHz frequency band starts early and has applications in many aspects, and is based on the 2.4 GHz frequency band.
  • the RCC solution has innate technical advantages, such as strong signal penetration and good card distance, and has wide application and development potential in many new business areas.
  • the RF user identification module based on the 2.4 GHz band (SIM card) Used on mobile phones, it enables mobile phones to have wireless payment functions such as electronic wallets. As a result, a number of cards and mobile terminals supporting different payment technologies have emerged.
  • a dual-band reader with both the 13.56 MHz band and the 2.4 GHz band can read cards based on the 13.56 MHz band or read cards based on the 2.4 GHz band. For example, it can read bands based on 13.56 MHz.
  • the bus card of the NFC solution can also read a mobile phone with a radio frequency SIM card based on the 2.4 GHz band.
  • the problem is that the user usually carries more than one card or mobile phone, so when the card is swiped in sequence (for example, when taking a bus or subway), when the bus card and the mobile phone held by the user enter the card swiping area at the same time, May cause the bus card to be swiped on the card reader, while the hand
  • the machine also carried out payment transactions, resulting in repeated credit card billing, resulting in the user's deadweight loss.
  • the existing dual-frequency card reader has inherent trading risks, and the inter-frequency card is prone to conflict when entering the card-swapping area at the same time.
  • the present invention provides a method for preventing conflicts between different frequency cards, which can detect that there are two or even multiple different frequency cards in the card swipe area, and prevent the two or more cards from being repeatedly swiped. The user caused a loss.
  • a method for preventing conflicts between different frequency cards includes the following steps:
  • the above method can prohibit the payment transaction of the second card while detecting the first card, and avoid the second card when the first card performs the payment transaction. Make a transaction, causing repeated credit card.
  • the method further includes: when detecting that the second card enters the card swipe area within a predetermined time after the second card leaves the card swipe area, prohibiting the second card from performing a payment transaction.
  • the above method may further include: (d) prohibiting the first card from performing a payment transaction while prohibiting the second card from performing a payment transaction.
  • the method of the present invention can simultaneously close the transactions of the first card and the second card, avoiding conflicts between the inter-frequency cards.
  • the first card is a high frequency card and the second card is an ultra high frequency or a high frequency card.
  • the first card is based on a 13.56MHz smart card, while the second card is based on 2.4GHz intelligence.
  • Can card Preferably, the second card is a radio frequency SIM card.
  • the invention also provides a dual frequency card reader, comprising a first communication module, a second communication module and a main control module, wherein:
  • the first communication module is configured to communicate with the first card based on the first frequency
  • the second communication module is configured to communicate with the second card based on the second frequency, the second frequency being different from the first frequency;
  • the main control module is configured to communicate with the first communication module and the second communication module such that the second card is prohibited from performing a payment transaction when the first card is detected.
  • the dual-frequency card reader can detect the first card and prohibit the payment transaction of the second card, thereby preventing the first card from performing the payment transaction. After that, the second card is also traded, causing a second brush.
  • the first communication module includes a first control module and a first frequency communication module connected to each other, and the first frequency communication module is configured to detect whether the first card enters the card swipe area, and the first control module is under the control of the main control module. , with the first card to implement a payment transaction.
  • the first control module establishes a transmission channel between the main control module and the first frequency communication module, parses the instruction from the main control module, and performs a corresponding action to transmit data to the first frequency communication module, which will be from the first frequency communication.
  • the data of the module is transmitted to the main control module to implement the payment transaction of the first card, or the first card is prohibited from performing the payment transaction.
  • the second communication module includes a second control module and a second frequency communication module connected to each other, the second frequency communication module is configured to detect whether the second card enters the card swipe area, and the second control module is under the control of the main control module. , with the second card to implement a payment transaction.
  • the second frequency communication module includes a limited domain communication module and a magnetic circuit module, and the magnetic circuit module is configured to transmit a magnetic signal to define a card swipe area, and the limited domain communication module communicates with the second card.
  • the main control module further prohibits the first card from performing a payment transaction.
  • the first frequency is 13.56 MHz and the second frequency is 2.4 GHz.
  • the card-seeking response of the other frequency channel is continuously monitored, thereby Determine if there is a conflict with the inter-frequency card, and when it is found that there is a possibility of conflict, It is forbidden to swipe at least one card, so there is no continuous brushing phenomenon.
  • the card search and transaction between the two communication modules are processed in parallel, one channel listens to the card search response without affecting the transaction data of the other channel. Therefore, the card search response speed is fast.
  • FIG. 1 is a block diagram showing the structure of a dual frequency card reader according to an embodiment of the present invention.
  • FIG. 2 is a flow chart of an inter-frequency card anti-collision method in accordance with the principles of the present invention.
  • FIG. 3 is a flow chart of an inter-frequency card anti-collision method in accordance with one embodiment of the present invention.
  • FIG. 4 is a flow chart of an inter-frequency card anti-collision method according to another embodiment of the present invention.
  • a dual-frequency card reader is taken as an example to describe an anti-collision method between different frequency cards. It will be appreciated that the technical principles of the present invention are not limited to the dual frequency card readers exemplified herein.
  • a dual frequency card reader includes: a first communication module for communicating with a first card based on a first frequency; and a second communication module for communicating with a second card based on a second frequency, said The second frequency is different from the first frequency; and the main control module is configured to communicate with the first communication module and the second communication module, so that the second card is prohibited from performing a payment transaction when the first card is detected .
  • the two communication modules of the dual-frequency card reader form two parallel channels, and under the control of the main control module, the cards of different frequencies are respectively searched for, and when receiving the card-seeking response of the first card, continue Listening to the response from the second card, when the second card is also found to enter the card swipe area, the second card is prohibited from performing a payment transaction, thereby avoiding repeated card swiping.
  • the dual-frequency card reader enables a smart card in the high-frequency (HF) band (for example, a bus card that conforms to the ISO 14443 (Contactless card standards) protocol) and a VHF ( Smart cards in the HF) band (for example, 2.4GHz RF SIM cards conforming to the RCC specification) allow only one card to be swiped during the simultaneous access to the swipe area of the dual-frequency card reader, and even all cards cannot be swiped. .
  • HF high-frequency
  • VHF Smart cards in the HF band
  • the dual frequency card reader can read a bus card based on 13.56 MHz, or can read a 2.4 GHz based radio frequency SIM card (located in a mobile terminal such as a mobile phone). Therefore, on this dual-frequency card reader, you can either pay by card or pay by mobile phone.
  • the dual frequency card reader of the present invention is not limited to the frequencies of 13.56 MHz and 2.4 GHz described herein, and dual frequency readers that read different frequencies in accordance with the principles of the present invention fall within the scope of the present invention. The scope of protection.
  • the dual frequency card reader comprises a main control module 1, a first communication module 2, and a second communication module 3.
  • the first communication module 2 can also be referred to as an NFC communication module in this embodiment, which is used for communicating with the main control module 1. Under the control of the main control module 1, the bus card based on the 13.56 MHz frequency is detected to enter the swipe area, and Enter the bus card and communicate with the bus card to achieve credit card payment.
  • the first communication module 2 includes a first control module 21 and a 13.56 MHz radio frequency communication module 22.
  • the first control module 21 is connected to the main control module 1 and the 13.56 MHz radio frequency communication module 22, and transmits instructions and data between the 13.56 MHz radio frequency communication module 22 and the main control module 1, and receives the information of the 13.56 MHz radio frequency communication module 22, and the parsing is from The instructions and data of the main control module 1 perform corresponding actions.
  • the main control module 1 issues an automatic card-finding command.
  • the 13.56 MHz radio frequency communication module 22 continuously transmits a 13.56 MHz card-seeking command to receive the 13.56 MHz radio frequency communication.
  • Module 22 detects the response from the bus card.
  • the first control module 21 immediately notifies the main control module 1, and the main control module 1 determines whether to access the bus card according to the current access card condition.
  • the main control module 1 controls the first control.
  • the module 21 causes the 13.56 MHz radio frequency communication module 22 to complete the access procedure of the bus card.
  • the first control module 21 enters a transparent mode, which is only a transmission channel for instructions and/or data, without any processing of instructions and/or data. In this way, the first control module 21 transparently transmits the APDU command sent by the main control module 1 to the 13.56 MHz radio frequency communication module 22, and receives the response of the bus card to the command from the 13.56 MHz radio frequency communication module 22, and transmits the response to the main control module 1. This cycle until the transaction payment process is completed.
  • a detailed description of the payment transaction process is omitted, and the person skilled in the art is aware of the payment transaction process.
  • the main control module 1 passes the control.
  • a control module 21 prohibits the access of the bus card. In this way, when the user's mobile phone first accesses the dual-frequency card reader or is conducting a payment transaction, the bus card cannot be accessed, and thus the payment transaction cannot be performed, thereby preventing the user from repeatedly swiping the card, and the other person's card is first connected. When entering, the user's card can't be accessed, so that multiple users can avoid the card at the same time, causing confusion and error in the dual-frequency card reader.
  • the 13.56 MHz radio frequency communication module 22 is connected to the first control module 21 for transmitting a card search command at a frequency of 13.56 MHz, receiving a card search response of the bus card, and accessing the bus card under the control of the first control module 21, ie, It is detected whether the bus card is in the card swipe area, and the bus card is accessed under the control of the first control module 21. It should be noted that after starting the dual-frequency card reader, the 13.56 MHz RF communication module 22 will always send a card-seeking instruction to continue to search for cards at certain time intervals.
  • the second communication module 3 is also referred to as an RCC communication module in this embodiment of the present invention, and is configured to communicate with the main control module 1 to detect the entry of the 2.4 GHz radio frequency SIM card into the swipe area under the control of the main control module 1. , access the radio frequency SIM card, and communicate with the radio frequency SIM card to realize the payment of the mobile phone.
  • the second communication module 3 includes a second control module 31, a 2.4 GHz limited domain communication module 32, and a magnetic circuit module 33.
  • the second control module 31 is connected to the main control module 1, the 2.4 GHz limited domain communication module 32, and the magnetic circuit module 33, and transmits instructions and data between the main control module 1 and the 2.4 GHz limited domain communication module 32 and the magnetic circuit module 33.
  • the information of the 2.4 GHz limited domain communication module 32 and the magnetic circuit module 33 is received, the commands and data from the main control module 1 are parsed, and corresponding actions are performed.
  • the main control module 1 issues an automatic card-finding instruction, and the second control After receiving the automatic card seeking instruction, the module 31 instructs the magnetic circuit module 33 to continuously transmit the 2.4 GHz card seek command and receive the response of the detected radio frequency SIM card from the 2.4 GHz limited domain communication module 32. Upon receiving the response, the second control module 31 immediately notifies the main control module 1, and the main control module 1 determines whether to access the radio frequency SIM card according to the current access card.
  • the main control module 1 connects the 2.4 GHz limited domain communication module 32 to the radio frequency SIM card by controlling the second control module 31. Once the access is completed, the second control module 31 enters the transparent transmission mode, and transparently transmits the Application Protocol Data Unit (APDU) command sent by the main control module 1, and sends it through the 2.4 GHz limited domain communication module 32. And receiving the response of the radio frequency SIM card, transparently transmitted to the main control module 1, and so on, until the transaction process is completed.
  • APDU Application Protocol Data Unit
  • the main control module 1 controls the second control module 31.
  • the radio frequency SIM card is forbidden to access. In this way, when the user's bus card first accesses the dual-frequency card reader or the payment transaction is in progress, the radio frequency SIM card cannot be accessed, and thus the payment transaction cannot be performed, thereby preventing the user from repeatedly swiping the card. Moreover, when another person's card is first accessed, the user's mobile phone cannot be accessed, so that multiple users can be prevented from swiping at the same time, causing confusion and errors in the dual-frequency card reader.
  • the 2.4 GHz limited-area communication module 32 is connected to the second control module 31, and receives the card-seeking response of the radio frequency SIM card, and provides a 2.4 GHz radio frequency channel between the radio frequency SIM card and the second control module 31, and completes data communication to implement payment or prohibition. Into the operation.
  • the magnetic circuit module 33 is connected to the second control module 31, receives the command and data of the second control module 31, and modulates and transmits the corresponding low frequency magnetic signal for receiving by the 2.4 GHz card in the signal area.
  • the magnetic circuit module 33 continuously transmits the low frequency magnetic field, and the 2.4 GHz card detects the field strength, so that the card judges the distance from the magnetic circuit module 33 according to the field strength, and reaches the limit field. It should be noted that after the dual-frequency card reader is activated, the magnetic circuit module 33 always transmits the low-frequency magnetic signal, and continues to search for the card at a certain time interval.
  • the main control module 1 is the core of the dual-frequency card reader, and is used to control other components to implement the operation of the dual-frequency card reader.
  • the operations of the first communication module 2 and the second communication module 3 described above are performed directly or indirectly under the control of the main control module 1.
  • the main control module 1 detects the response of the bus card through the 13.56 MHz radio frequency communication module 22
  • the second control module 31 is prohibited from accessing the radio frequency SIM card, thereby prohibiting the radio frequency SIM card from being performed.
  • Payment transactions so you can avoid repeated credit card payments.
  • the main control module 1 can further prohibit the bus card from performing the payment transaction, so that the two cards (the bus card and the radio frequency SIM card) cannot implement the card transaction, thereby attracting the user's attention and avoiding the conflict between the inter-frequency cards. .
  • the main control module 1 detects the response of the radio frequency SIM card through the 2.4 GHz limited domain communication module 32, the first control module 21 is prevented from accessing the bus card, thereby prohibiting the bus card from performing payment transactions, thereby avoiding the second time. Pay by card. Further, the main control module 1 can further prohibit the radio frequency SIM card from performing the card payment, thereby attracting the attention of the user and avoiding conflicts between the inter-frequency cards.
  • the main control module 1 can control the corresponding module (the first communication module 2 or the second communication module 3) as a transparent transmission channel, and send and receive an APDU command to interact with the corresponding card to implement a payment transaction. It can be seen that the main control module 1 can control the first communication module 2 and the second communication module 3 to perform a series of control operations such as sourcing, accessing, disconnecting, interacting with the corresponding card to perform a payment transaction process.
  • the main control module 1 can be a central processing unit or a microprocessor.
  • FIG. 2 A dual frequency card reader in accordance with one embodiment of the present invention has been described above in connection with FIG. A method for preventing conflicts between inter-frequency cards according to the present invention will be described below with reference to FIG. 2, which may include the following steps:
  • the above method can prohibit the payment transaction of the second card while detecting the first card, and avoid the second card when the first card performs the payment transaction. Make a transaction, causing repeated credit card.
  • the method for preventing conflicts between different frequency cards may further include: prohibiting the first card from completing a payment transaction (not shown in FIG. 2).
  • the method for preventing conflicts between different frequency cards further includes: recording a card number or a label of the second card It is recognized that the second card is prohibited from performing a payment transaction (not shown in FIG. 2) when it is detected that the second card enters the card swipe area within a predetermined time period when the second card is detected to leave the card swipe area.
  • the second card can be re-entered into the card swipe area within a short time after leaving the card swipe area, and the card is swiped again.
  • FIG. 3 is a flow chart of an inter-frequency card anti-collision method in accordance with one embodiment of the present invention. As shown in Figure 3, when using a dual-frequency card reader, while starting the dual-frequency card reader, perform the following steps:
  • the dual-frequency card reader During the use of the dual-frequency card reader, it is always necessary to transmit RF signals for card search. If the response of the card is never received, the dual-frequency card reader continues to perform the card search.
  • step S2 If the response of the bus card is received, that is, the 13.56 MHz radio frequency communication module in the first communication module receives the card seek response, it proceeds to step S2.
  • the bus module and the main control module of the dual-frequency card reader perform multiple interactions of data and instructions to finally realize payment.
  • the first control module in the first communication module enters the transparent transmission mode, and then proceeds to step S3.
  • the main control module of the dual-frequency card reader sends an APDU to the bus card via the first communication module, and in the process, the second communication module is still detecting the card-seeking response. At this time, if the radio frequency SIM card responds, that is, it is detected that the radio frequency SIM card also enters the swipe area, step S4 is performed. If there is no response from the radio frequency SIM card, go directly to step S5.
  • step S4 Record the card number or logo of the radio frequency SIM card, but do not access the radio frequency SIM card for the payment transaction, but continue the transaction payment of the bus card, that is, proceed to step S5.
  • step S1 if the radio frequency SIM card first responds to the dual frequency card reader, see the right side branch of FIG. After step S1, if the radio frequency SIM card first has a card seek response, that is, the 2.4 GHz limited domain communication module in the second communication module receives the card seek response, it proceeds to steps S6-S9.
  • the main control module of the dual frequency card reader sends an APDU to the radio frequency SIM card via the second communication module, and in the process, the first communication module is still listening for the card seek response. At this time, if the bus card responds, that is, it is detected that the bus card also enters the card swipe area, step S8 is performed. If there is no response from the bus card, it proceeds directly to step S9.
  • step S8 Record the card number or logo of the bus card, but do not access the bus card for the payment transaction, but continue the payment transaction of the radio frequency SIM card, that is, proceed to step S9.
  • the dual-frequency card reader also detects that the card entering the card-swapping area leaves the card-swapping area, and then proceeds to step S10.
  • the predetermined time may be, for example, 5 seconds, 10 seconds, or the like. In this way, it can be avoided that the card that has not been paid out is charged after a short time (for example, due to a misoperation or the like) and then enters the card swipe area again, thereby avoiding repeated card swiping by the same user.
  • Step S10 causes the radio frequency SIM card at this time to be not accessed but to perform the card payment. Further, in a short period of time, the bus card will not be charged again by the card. Thus, it is possible to avoid repeated charging for the user.
  • step S11 is performed instead of the payment transaction of the two cards. Specifically, if the mobile phone enters the card swipe area and receives the card search response of the radio frequency SIM card in the NFC transaction process, not only the radio frequency SIM card access is prohibited, but also the payment transaction of the bus card is terminated.
  • the dual frequency card reader when two cards based on different frequency schemes enter the card swipe area, the dual frequency card reader according to the present invention can detect the presence of two types of cards and control the card reader to stop at least one of the cards. Transaction, thus avoiding conflicts between multiple inter-frequency cards and solving the trading risks of dual-frequency card readers.

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Abstract

本发明涉及异频卡间防冲突的方法和双频读卡器，其中，该方法包括：检测第一卡片处于刷卡区域中；与所述第一卡片通信的同时，检测到第二卡片处于所述刷卡区域中，所述第二卡片与所述第一卡片使用不同的频率；以及禁止所述第二卡片执行支付交易。本发明还提供一种能够防止异频卡间冲突的双频读卡器。本发明的方案能够使得异频卡同时进入刷卡区域时，在一个频率通道收发数据过程中，持续侦听另一频率通道的寻卡响应，以此来判断是否有异频卡冲突，并在发现有可能冲突的时候，禁止至少一张卡片的刷卡交易，由此不会造成连刷现象。

Description

一种异频卡间防冲突的方法及双频读卡器 技术领域
本发明总地涉及射频通信领域，更具体地，涉及一种异频卡间防冲突的方法及双频读卡器。
背景技术
当前，刷卡消费已经非常普遍，随着移动终端的普及，利用移动终端进行电子支付也日益活跃起来。于是，出现了很多刷卡片、刷手机的支付技术，例如，限域通信(RCC，Range Controlled Communication)技术、单线协议(SWP，Single Wire Protocol)技术以及传统的近场通信(NFC，Near Field Communication)技术。这些技术的发展，使得用户只需携带卡片或者移动终端而不需要携带现金就可以进行支付。
限域通信技术(RCC)和近场通信(NFC)技术都是利用无线射频信号实现信息传输，其中，基于13.56MHz频段的NFC方案起步早，在很多方面都有应用，而基于2.4GHz频段的RCC方案具有先天的技术优势，例如，信号穿透能力强，刷卡距离一致性好等，在许多新业务领域有着广泛的应用和发展潜力，例如，基于2.4GHz频段的射频用户识别模块(SIM卡)用在手机上，能够使手机具有电子钱包等无线支付功能。于是，出现了诸多支持不同支付技术的卡片和移动终端。
为了兼具各种支付技术，方便用户使用，也出现了与不同卡片和/或移动终端相匹配的读卡器。例如，兼具13.56MHz频段和2.4GHz频段的双频读卡器，既可以读取基于13.56MHz频段的卡，也可以读取基于2.4GHz频段的卡，例如，既可以读取基于13.56MHz频段的NFC方案的公交卡，也可以读取具有基于2.4GHz频段的射频SIM卡的手机。
如此，带来的问题是，用户通常会携带不只一张卡片或手机，那么在依次刷卡的情况下(例如乘坐公交、地铁时)，当用户持有的公交卡和手机同时进入刷卡区域时，可能导致公交卡在读卡器上进行了刷卡交易，而手 机也进行了支付交易，造成重复刷卡计费，导致用户的无谓损失。可见，现有的双频读卡器存在着固有的交易隐患，异频卡同时进入刷卡区域时容易产生冲突。
当前并没有合适的技术来解决不同频率方案下的多个卡片在同时进行支付交易时的冲突问题。
发明内容
有鉴于此，本发明提供一种异频卡之间防冲突的方法，能够检测到刷卡区域中有两张乃至于多张异频卡，并防止该两张或多张卡片被重复刷卡，给用户造成损失。
具体地，本发明的技术方案是这样的：
一种异频卡间防冲突的方法，包括如下步骤：
(a)检测第一卡片处于刷卡区域中；
(b)与所述第一卡片通信的同时，检测第二卡片处于所述刷卡区域中，所述第二卡片与所述第一卡片使用不同的频率；
(c)禁止所述第二卡片执行支付交易。
如此一来，当频率不同的两张卡片同时进入刷卡区域时，上述方法可以在检测到第一卡片的同时，禁止第二卡片的支付交易，避免第一卡片进行支付交易时，第二卡片也进行交易，造成重复刷卡。
进一步地，所述方法还包括：检测到所述第二卡片离开所述刷卡区域的预定时间内，再次检测到所述第二卡片进入刷卡区域时，禁止所述第二卡片执行支付交易。
这样，可以避免误操作造成的第二卡片在离场后再次进入刷卡区域造成的计费刷卡，以及由此带来的重复计费。
进一步地，上述方法还可以包括：(d)在禁止所述第二卡片执行支付交易的同时，还禁止所述第一卡片执行支付交易。
这样，本发明的方法可以同时关闭第一卡片和第二卡片的交易，避免异频卡间的冲突。
优选地，上述第一卡片是高频卡，第二卡片是超高频或甚高频卡。例如，第一卡片是基于13.56MHz的智能卡，而第二卡片是基于2.4GHz的智 能卡。优选地，所述第二卡片是射频SIM卡。
本发明还提供一种双频读卡器，包括第一通信模块，第二通信模块和主控模块，其中：
第一通信模块用于基于第一频率与第一卡片通信；
第二通信模块用于基于第二频率与第二卡片通信，所述第二频率与所述第一频率不同；和
主控模块用于与所述第一通信模块和所述第二通信模块通信，使得在检测到所述第一卡片时禁止第二卡片执行支付交易。
于是，在两张异频卡同时进入双频读卡器的刷卡区域时，双频读卡器能够检测到第一卡片的同时，禁止第二卡片的支付交易，避免第一卡片进行了支付交易后，第二卡片还进行交易，造成二次连刷。
其中，所述第一通信模块包括彼此相连的第一控制模块和第一频率通信模块，第一频率通信模块用于检测第一卡片是否进入刷卡区域，第一控制模块在主控模块的控制下，与第一卡片实现支付交易。
这样，第一控制模块在主控模块与第一频率通信模块之间建立传输通道，解析来自主控模块的指令，并执行相应动作，向第一频率通信模块传输数据，将来自第一频率通信模块的数据传输给主控模块，以便实现第一卡片的支付交易，或者禁止第一卡片进行支付交易。
进一步，所述第二通信模块包括彼此相连的第二控制模块和第二频率通信模块，第二频率通信模块用于检测第二卡片是否进入刷卡区域，第二控制模块在主控模块的控制下，与第二卡片实现支付交易。
进一步地，第二频率通信模块包括限域通信模块和磁电路模块，磁电路模块用于发射磁信号来限定刷卡区域，限域通信模块与第二卡片通信。
进一步地，所述主控模块进一步禁止所述第一卡片进行支付交易。
其中，所述第一频率是13.56MHz，所述第二频率是2.4GHz。
于是，利用本发明的上述方法和双频读卡器，能够使得异频卡同时进入刷卡区域时，在一个频率通道收发数据过程中，持续侦听另一频率通道的寻卡响应，以此来判断是否有异频卡冲突，并在发现有可能冲突的时候， 禁止至少一张卡片的刷卡交易，由此不会造成连刷现象。
由于两个通信模块之间的寻卡和交易是并行处理的，一个通道侦听寻卡响应时不影响另一个通道的交易数据的收发，因此，寻卡响应速度快。
附图说明
参照以下附图，将更好地理解本发明的基本原理。
图1是根据本发明一个实施例的双频读卡器的结构示意图。
图2是根据本发明原理的异频卡间防冲突方法的流程图。
图3是根据本发明一个实施例的异频卡间防冲突方法的流程图。
图4是根据本发明另一个实施例的异频卡间防冲突方法的流程图。
具体实施方式
为使本发明的目的、技术方案和优点更加清楚，下面结合附图对本发明的具体实施方式进行详细说明。附图中所示和根据附图描述的本发明的实施方式仅仅是示例性的，本发明并不限于这些实施方式。
需要说明的是，为了避免因不必要的细节而模糊了本发明，在附图中仅仅示出了与根据本发明的方案密切相关的结构和/或处理步骤，而省略了其他细节。
下面，以双频读卡器为例描述异频卡之间防冲突的方法。可以理解，本发明的技术原理不局限于这里所举例的双频读卡器。
根据本发明的原理，双频读卡器包括：第一通信模块，用于基于第一频率与第一卡片通信；第二通信模块，用于基于第二频率与第二卡片通信，所述第二频率与所述第一频率不同；和主控模块，用于与所述第一通信模块和所述第二通信模块通信，使得在检测到所述第一卡片时禁止第二卡片执行支付交易。
这样，双频读卡器的两个通信模块形成两个并行的通道，在主控模块的控制下分别对不同频率的卡片进行寻卡，并在收到第一卡片的寻卡响应时，持续侦听来自第二卡片的响应，在发现第二卡片也进入刷卡区域时，禁止第二卡片执行支付交易，从而避免重复刷卡。
下面以一个具体的双频读卡器为例，来描述异频卡间防冲突的方案。例如，该双频读卡器使得一张高频(HF)频段的智能卡片(例如，符合ISO14443(非接触式IC卡标准，Contactless card standards)协议规范的公交卡)与一张甚高频(HF)频段的智能卡(例如，符合RCC技术规范的2.4GHz射频SIM卡)在同时进入双频读卡器的刷卡区域时，只允许其中一张卡片进行刷卡交易，甚至所有卡片都不能进行刷卡交易。
在这个实施例中，双频读卡器可以读取基于13.56MHz的公交卡，也可以读取基于2.4GHz的射频SIM卡(置于移动终端，例如手机中)。于是，在这个双频读卡器上，既可以刷卡消费，也可以刷手机进行支付。本领域的技术人员可以理解，本发明的双频读卡器不局限于这里描述的13.56MHz和2.4GHz的频率，依据本发明的原理读取不同频率的双频读卡器都落入本发明的保护范围。
参见图1，图1示出根据本发明一个实施例的双频读卡器的结构示意图。如图1所示，双频读卡器包括主控模块1、第一通信模块2、第二通信模块3组成。
第一通信模块2在本实施例中也可以称为NFC通信模块，其用于与主控模块1通信，在主控模块1的控制下，检测基于13.56MHz频率的公交卡进入刷卡区域，接入公交卡，并与公交卡通信实现刷卡支付。第一通信模块2包括第一控制模块21和13.56MHz射频通信模块22。
第一控制模块21与主控模块1和13.56MHz射频通信模块22相连，在13.56MHz射频通信模块22与主控模块1之间传输指令和数据，接收13.56MHz射频通信模块22的信息，解析来自主控模块1的指令和数据，执行相应动作。
例如，启动双频读卡器后，主控模块1下发自动寻卡指令，第一控制模块21收到后，控制13.56MHz射频通信模块22连续发送13.56MHz寻卡指令，接收13.56MHz射频通信模块22检测到的来自公交卡的响应。一旦接收到响应，第一控制模块21立即通知主控模块1，主控模块1会根据当前接入卡的情况确定是否接入公交卡。
如果双频读卡器当前没有接入任何卡，则主控模块1通过控制第一控 制模块21使13.56MHz射频通信模块22完成该公交卡的接入流程。一旦完成接入，第一控制模块21就进入透传模式，所谓透传模式即仅作为指令和/或数据的传输通道，而不对指令和/或数据做任何处理。这样，第一控制模块21透传主控模块1下发的APDU指令至13.56MHz射频通信模块22，并从13.56MHz射频通信模块22接收公交卡对指令的响应，透传至主控模块1，如此循环，直到完成交易支付流程。这里，省略对支付交易过程的细节描述，本领域普通技术人员知晓该支付交易过程。
如果双频读卡器当前已经有卡接入，例如用户持有的手机中的射频SIM卡已经接入，或者他人的公交卡已经接入，正在执行支付流程，则主控模块1通过控制第一控制模块21而禁止该公交卡接入。这样，当用户的手机首先接入双频读卡器或者正在进行支付交易时，公交卡就不能接入，也因此不能执行支付交易，从而可以避免用户重复刷卡，并且在其他人的卡首先接入时，该用户的卡也不能接入，避免多个用户同时刷卡，造成双频读卡器记录混乱和错误。
13.56MHz射频通信模块22与第一控制模块21相连，用于以13.56MHz的频率发射寻卡指令，接收公交卡的寻卡响应，在第一控制模块21的控制下接入公交卡，即，检测公交卡是否处于刷卡区域，并在第一控制模块21的控制下接入公交卡。需要说明的是，在启动双频读卡器后，13.56MHz射频通信模块22会始终发送寻卡指令，以一定的时间间隔持续寻卡。
第二通信模块3在本发明的这个实施例中也称为RCC通信模块，其用于与主控模块1通信，在主控模块1的控制下，检测基于2.4GHz的射频SIM卡进入刷卡区域，接入射频SIM卡，并与射频SIM卡通信实现刷手机支付。第二通信模块3包括第二控制模块31、2.4GHz限域通信模块32以及磁电路模块33。
第二控制模块31与主控模块1、2.4GHz限域通信模块32以及磁电路模块33相连，在主控模块1与2.4GHz限域通信模块32和磁电路模块33之间传输指令和数据，接收2.4GHz限域通信模块32和磁电路模块33的信息，解析来自主控模块1的指令和数据，执行相应动作。
例如，启动双频读卡器后，主控模块1下发自动寻卡指令，第二控制 模块31收到自动寻卡指令后，指示磁电路模块33连续发送2.4GHz寻卡指令，并从2.4GHz限域通信模块32接收检测到的射频SIM卡的响应。一旦接收到响应，第二控制模块31立即通知主控模块1，主控模块1根据当前接入卡的情况确定是否接入射频SIM卡。
如果双频读卡器当前没有接入任何卡，则主控模块1通过控制第二控制模块31使2.4GHz限域通信模块32接入射频SIM卡。一旦完成接入，第二控制模块31就进入透传模式，透传主控模块1下发的应用协议数据单元(APDU，Application Protocol Data Unit)指令，通过2.4GHz限域通信模块32发送出去，并接收射频SIM卡的响应，透传至主控模块1，如此循环，直到完成交易流程。这里，省略对支付交易过程的细节描述，本领域普通技术人员知晓该支付交易过程。
如果双频读卡器当前已经有卡接入，例如用户持有的公交卡已经接入，或者其他人的卡已经接入，正在执行支付流程，则主控模块1通过控制第二控制模块31而禁止该射频SIM卡接入。这样，当用户的公交卡首先接入双频读卡器或者正在进行支付交易时，射频SIM卡就不能接入，也因此不能执行支付交易，从而可以避免用户重复刷卡。而且，在有其他人的卡首先接入时，该用户的手机也不能接入，这样可以避免多个用户同时刷卡，造成双频读卡器记录混乱和错误。
2.4GHz限域通信模块32与第二控制模块31相连，接收射频SIM卡的寻卡响应，为射频SIM卡与第二控制模块31之间提供2.4GHz射频通道，完成数据通信实现支付或禁止接入等操作。
磁电路模块33与第二控制模块31相连，接收第二控制模块31的指令和数据，调制并发送相应的低频磁信号，供信号区域内2.4GHz卡片接收。磁电路模块33持续发送低频磁场，2.4GHz卡片检测场强，使得卡片根据场强判断与磁电路模块33的距离，达到限域的目的。需要说明的是，在启动双频读卡器后，磁电路模块33始终都在发送低频磁信号，以一定的时间间隔持续寻卡。
主控模块1是双频读卡器的核心，用于控制其他部件实现双频读卡器的刷卡记录等操作。主控模块1分别与第一通信模块2和第二通信模块3 相连，用来控制第一通信模块2和第二通信模块3的工作。
如上所述，上述第一通信模块2和第二通信模块3的操作都是直接或间接在主控模块1的控制下完成的。特别地，在本发明的该实施例中，主控模块1在通过13.56MHz射频通信模块22检测到公交卡的响应时，禁止第二控制模块31接入射频SIM卡，从而禁止射频SIM卡进行支付交易，因此，可以避免重复刷卡支付。进一步地，主控模块1还可以进一步禁止公交卡执行支付交易，以至于两张卡片(公交卡和射频SIM卡)都不能实现刷卡交易，从而引起用户的注意，避免异频卡之间的冲突。类似地，当主控模块1通过2.4GHz限域通信模块32检测到射频SIM卡的响应时，使第一控制模块21不能接入公交卡，从而禁止公交卡进行支付交易，因此可以避免二次刷卡支付。进一步地，主控模块1还可以进一步禁止射频SIM卡执行刷卡支付，从而引起用户的注意，避免异频卡之间的冲突。
对于接入相应卡片的通道，主控模块1可以控制相应的模块(第一通信模块2或第二通信模块3)作为透传通道，发收APDU指令与相应的卡片进行交互，实现支付交易。可见，主控模块1能够控制第一通信模块2、第二通信模块3执行寻卡、接入、断开接入、与相应卡片交互以执行支付交易过程等一系列控制操作。主控模块1可以是中央处理器或者微处理器。
以上结合图1描述了根据本发明一个实施例的双频读卡器。下面结合图2描述根据本发明的异频卡间防冲突的方法，其可以包括如下步骤：
(a)检测第一卡片处于刷卡区域中；
(b)与所述第一卡片通信的同时，检测到第二卡片处于所述刷卡区域中，所述第二卡片与所述第一卡片使用不同的频率；
(c)禁止所述第二卡片执行支付交易。
如此一来，当频率不同的两张卡片同时进入刷卡区域时，上述方法可以在检测到第一卡片的同时，禁止第二卡片的支付交易，避免第一卡片进行支付交易时，第二卡片也进行交易，造成重复刷卡。
在图2所示实施例的基础上，异频卡间防冲突的方法还可以包括：禁止所述第一卡片完成支付交易(未在图2中示出)。
进一步地，异频卡间防冲突的方法还包括：记录第二卡片的卡号或标 识，在检测到第二卡片离开刷卡区域的预定时间内，再次检测到第二卡片进入刷卡区域中时，禁止第二卡片执行支付交易(未在图2中示出)。
这样，可以避免第一卡片刷卡支付后，第二卡片离开刷卡区域后短时间内再次进入刷卡区域，被再次刷卡。
下面结合图3进行具体描述。图3是根据本发明一个实施例的异频卡间防冲突方法的流程图。如图3所示，在使用双频读卡器时，启动双频读卡器的同时，执行如下步骤：
S1：使第一通信模块和第二通信模块发射各自的射频信号进行寻卡，检测是否有卡片进入刷卡区域；
在启动双频读卡器的使用过程中，始终都需要发射射频信号进行寻卡。如果始终没有接收到卡片的响应，双频读卡器就持续地进行寻卡。
如果接收到公交卡的响应，即第一通信模块中的13.56MHz射频通信模块接收到寻卡响应，则进入步骤S2。
S2：接入公交卡，建立NFC交易流程；
可以理解，在NFC交易过程中，公交卡与双频读卡器的主控模块进行多次数据和指令的交互，才能最终实现支付。如此，第一通信模块中的第一控制模块进入透传模式，于是，进入步骤S3。
S3：经由第一通信模块发射APDU；
双频读卡器的主控模块经由第一通信模块向公交卡发送APDU，在此过程中，第二通信模块仍然在检测寻卡响应。此时，如果射频SIM卡有响应，即检测到射频SIM卡也进入刷卡区域，则进行步骤S4。如果没有射频SIM卡的响应，则直接进入步骤S5。
S4：记录射频SIM卡的卡号或标识，但不接入射频SIM卡进行支付交易，而是继续公交卡的交易支付，即，进入步骤S5。
S5：如果没有射频SIM卡的响应，则主控模块进行公交卡对APDU指令的响应数据的处理，直至交易结束。
至此，描述了图3的左侧分支，即公交卡首先响应双频读卡器，并执行支付交易的情况。
而对于射频SIM卡首先响应双频读卡器的情形，参见图3的右侧分支。在步骤S1之后，如果是射频SIM卡首先有寻卡响应，即第二通信模块中的2.4GHz限域通信模块接收到寻卡响应，则进入步骤S6-S9。
S6：接入射频SIM卡，建立RCC交易流程；
S7：经由第二通信模块发射APDU；
双频读卡器的主控模块经由第二通信模块向射频SIM卡发送APDU，在此过程中，第一通信模块仍然在侦听寻卡响应。此时，如果公交卡有响应，即检测到公交卡也进入刷卡区域，则进行步骤S8。如果没有公交卡的响应，则直接进入步骤S9。
S8：记录公交卡的卡号或标识，但不接入公交卡进行支付交易，而是继续射频SIM卡的支付交易，即，进入步骤S9。
S9：如果没有公交卡的响应，则主控模块进行射频SIM卡对APDU的响应数据的处理，直至交易结束。
经过以上步骤，当发生异频卡都进入刷卡区域时，可以使得仅有一张卡接入双频卡读卡器来完成交易支付。
进一步地，交易结束后，双频读卡器还会检测到进入刷卡区域的卡片离开刷卡区域，于是，进入步骤S10。
S10：检测到卡片离开刷卡区域，此后的预定时间内再次检测到同样的卡片进入刷卡区域，则不再接入卡片。其中，预定时间可以例如是5秒、10秒等。这样，可以避免没有进行支付的卡片离开刷卡区域后短时间内(例如，由于误操作等原因)又再次进入刷卡区域时被计费，从而避免同一用户的重复刷卡。
例如，用户在使用公交卡进行支付时手机也进入刷卡区域，上述方案使得公交卡执行了支付，而手机的射频SIM卡不会进行支付，但被记录了卡号或其它标识，用户刷卡后离开刷卡区域，但由于某种原因，例如用户折返至读卡器，短时间使得手机再次进入刷卡区域，以致读卡器在短时间内再次收到射频SIM卡的寻卡响应，在这种情况下，步骤S10使得此时的射频SIM卡然而不会被接入而执行刷卡支付。进一步地，短时间内也不会使得公交卡再次被刷卡计费。于是，可以避免对用户重复计费。
以上参照图3描述了异频卡防冲突处理的一个实施例，下面参照图4描述另一个实施例，在这个实施例里，与图3所示的区别仅在于，在步骤S3和S7之后，如果接收到另外一张卡的寻卡响应，不是图3所示的那样，执行步骤S4和S8，而是执行步骤S11：禁止两张卡片的支付交易。具体地，如果在NFC交易流程中，检测手机进入刷卡区域，接收到射频SIM卡的寻卡响应，则不仅禁止射频SIM卡接入，还终止公交卡的支付交易。类似地，在RCC交易流程中，当接收到公交卡的寻卡响应时，不仅禁止公交卡的接入，还终止射频SIM卡的支付。这样，两张卡片都不能进行支付交易，于是，过程结束。于是，可以避免两张卡片重复刷卡计费。
从以上描述可见，当两种基于不同频率方案的卡片进入刷卡区域时，根据本发明的双频读卡器能检测到两种卡片的存在，并控制读卡器至少停止其中一张卡片的刷卡交易，从而避免多张异频卡之间的冲突，解决双频读卡器存在的交易隐患。
以上所述的具体实施方式是用于帮助理解本发明的目的、技术方案和有益效果，应理解的是，以上所述仅为本发明的具体实施方式而已，并不用于限制本发明的保护范围，凡在本发明的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (10)

  1. 一种异频卡间防冲突的方法，其中，该方法包括：
    检测第一卡片处于刷卡区域中；
    与所述第一卡片通信的同时，检测第二卡片处于所述刷卡区域中，所述第二卡片与所述第一卡片使用不同的频率；以及
    禁止所述第二卡片执行支付交易。
  2. 如权利要求1所述的方法，其中，所述方法还包括：
    检测到所述第二卡片离开所述刷卡区域的预定时间内，再次检测到所述第二卡片进入刷卡区域时，禁止所述第二卡片执行支付交易。
  3. 如权利要求1或2所述的方法，其中，所述方法还包括：
    禁止所述第一卡片执行支付交易。
  4. 如权利要求1或2所述的方法，其中，所述第一卡片是基于高频的卡片，所述第二卡片是基于超高频或甚高频的卡片。
  5. 一种双频读卡器，包括第一通信模块、第二通信模块和主控模块，其中，
    第一通信模块用于基于第一频率与第一卡片通信；
    第二通信模块用于基于第二频率与第二卡片通信，所述第二频率与所述第一频率不同；和
    主控模块用于与所述第一通信模块和所述第二通信模块通信，使得在检测到所述第一卡片时禁止第二卡片执行支付交易。
  6. 如权利要求5所述的双频读卡器，其中，所述第一通信模块包括彼此相连的第一控制模块和第一频率通信模块，
    所述第一频率通信模块用于检测第一卡片是否进入刷卡区域，并且
    所述第一控制模块在所述主控模块的控制下，与第一卡片实现支付交 易或者禁止接入所述第一卡片。
  7. 如权利要求5或6所述的双频读卡器，其中，所述第二通信模块包括彼此相连的第二控制模块和第二频率通信模块，
    所述第二频率通信模块用于检测第二卡片是否进入刷卡区域，
    所述第二控制模块在主控模块的控制下，与第二卡片实现支付交易或者禁止接入所述第二卡片。
  8. 如权利要求7所述的双频读卡器，其中，所述第二频率通信模块包括限域通信模块和磁电路模块，
    所述磁电路模块用于发射磁信号来限定刷卡区域，
    所述限域通信模块与所述第二卡片通信。
  9. 如权利要求5所述的双频读卡器，其中，在检测到所述第二卡片离开所述刷卡区域的预定时间内，所述主控模块再次检测到所述第二卡片进入刷卡区域时，禁止所述第二卡片执行支付交易；
    所述主控模块还进一步禁止所述第一卡片执行支付交易。
  10. 如权利要求5所述的双频读卡器，其中，所述第一频率是高频，所述第二频率是甚高频或超高频。
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