WO2017028405A1

WO2017028405A1 - Smart card and payment terminal integrated device and control method thereof

Info

Publication number: WO2017028405A1
Application number: PCT/CN2015/096841
Authority: WO
Inventors: 陈柳章
Original assignee: 深圳市文鼎创数据科技有限公司
Priority date: 2015-08-14
Filing date: 2015-12-09
Publication date: 2017-02-23
Also published as: CN105046814B; CN105046814A

Abstract

The invention relates to the technical field of smart card payments. Provided are a smart card and payment terminal integrated device and control method thereof. The integrated device comprises: a control chip (101), a display screen (102), and a keyboard (103). The control chip (101) is configured to perform data interaction with a card reader via a first contact communication interface (104) or a first non-contact communication interface (105). The control chip (101) is further configured to read/write smart card information and transmit the smart card information to an intelligent apparatus, to display a password entry box on the display screen (102) upon reception of a transaction information prompt transmitted by the intelligent apparatus, and to transmit password information entered by a user to the intelligent apparatus to complete a transaction. The integrated device can function as a smart card and a payment terminal, thereby bringing a user great convenience and satisfying needs of the user.

Description

Smart card and payment terminal integrated device and control method thereof

[0001] The present invention relates to the field of smart card payment technologies, and in particular, to a smart card and payment terminal integrated device and a control method thereof.

Background technique

[0002] Smart cards such as contactless cards have successfully combined radio frequency identification technology and IC card technology to solve the problem of passive and contactless, which is a breakthrough in the field of electronic devices. Magnetic cards and contact IC cards are not available. The advantages of comparison. Currently, contactless cards have been used on a large scale in various industries and are growing at an alarming rate. Consumers use contactless cards to make payments, just by bringing the contactless card closer to the payment terminal, they can use the credit card. However, the current smart card and payment terminal have a single function, which cannot meet the needs of some users on the payment terminal. There is also a need for a smart card function. In summary, in the prior art, there is a problem that the functions of the smart card and the payment terminal cannot satisfy the user's needs.

technical problem

[0003] An object of the present invention is to provide a smart card and payment terminal integrated device and a control method thereof, which aim to solve the problem that the function of the smart card and the payment terminal in the prior art cannot satisfy the user's demand alone.

Technical solution

The present invention is implemented in this way. The first aspect provides a smart card and payment terminal integrated device, where the integrated device includes a control chip, a display screen, and a keyboard;

[0005] the control chip is provided with a first contact communication interface and/or a first contactless communication interface;

[0006] the control chip is configured to perform data interaction with the card reader through the first contact communication interface or the first contactless communication interface;

[0007] The first output end of the control chip is connected to the control end of the display screen, the input end of the control chip is connected to the output end of the keyboard, and the control chip is further provided with a second contact communication interface and / or a second contactless communication interface, the control chip passes the second contact communication interface or the second contactless communication Interface read and write smart card;

[0008] the control chip is further configured to read and write smart card information, and send the smart card information to the smart device, and when receiving the transaction information prompt sent by the smart device, displaying a password input on the display screen a box, and the password information input by the user is sent to the smart device to complete the transaction.

In combination with the first aspect, in a first implementation manner of the first aspect, the integrated device further includes a wireless transmission module, and the control chip is connected to the smart device by using the wireless transmission module.

[0010] With reference to the first aspect, in a second implementation manner of the first aspect, the control chip is further configured to be connected to the charging platform by using the wireless transmission module;

[0011] The control chip is further configured to send the data encryption sequence to the recharge platform, so that the recharge platform checks the encryption sequence, and displays the recharge amount dialog through the display screen after the verification result is correct. Blocking, and sending the recharge amount input by the user to the recharge platform, so that the recharge platform performs a refill operation on the control chip.

[0012] With reference to the first aspect, in a third implementation manner of the first aspect, the control chip is connected to the smart device by using the U SB interface.

[0013] In conjunction with the first aspect, in a fourth implementation manner of the first aspect, the control chip further includes a USB interface, and the control chip is connected to the recharge platform through the USB interface.

[0014] In conjunction with the fourth implementation manner of the first aspect, in a fifth implementation manner of the first aspect, the control chip is further configured to send a data encryption sequence to a recharge platform, so that the recharge platform is The encryption sequence is verified, and after the verification result is correct, the recharge amount dialog box is displayed through the display screen, and the recharge amount input by the user is sent to the recharge platform, so that the recharge platform is opposite to the control chip. Perform a recharge operation.

[0015] With reference to the second embodiment and the fifth implementation manner of the first aspect, in a sixth implementation manner of the first aspect, the control chip encrypts an initial balance and a sequence number to generate an encryption sequence, and Passing the encrypted sequence to the recharge platform, causing the recharge platform to check the encrypted sequence, and causing the recharge platform to generate a key according to the card information queried in the background, and receiving the recharge platform. The sent verification result and the key, and prompting the user to input the recharge amount on the terminal after the verification result is correct.

[0016] With reference to the sixth embodiment of the first aspect, in a seventh implementation manner of the first aspect, the controlling The chip generates a recharge sequence according to the key and the input recharge amount, and sends the recharge sequence and the operation result to the recharge platform, so that the recharge platform decrypts the recharge sequence, and causes the recharge platform to recharge according to the value The information carried by the sequence is recharged.

With reference to the seventh embodiment of the first aspect, in the eighth implementation manner of the first aspect, the control chip is further configured to receive, after the refilling operation of the recharge platform is successful, the recharge platform is recharged and sent. An encryption command for writing a card, and performing a card writing operation according to the encryption command.

[0018] In conjunction with the first aspect, in a ninth implementation of the first aspect, the first contact communication interface and the second contact communication interface are 7816 interfaces.

[0019] With reference to the first aspect, in a tenth implementation manner of the first aspect, the first contactless communication interface is

13.56M PICC interface, the second contactless communication interface is a 13.56M PCD interface.

In conjunction with the first aspect, in an eleventh embodiment of the first aspect, the integrated device further includes a buzzer, and the control end of the buzzer is connected to the second output end of the control chip.

[0021] A second aspect of the present invention provides a control method for a smart card and a payment terminal integrated device according to the first aspect, wherein the control method includes the following steps:

[0022] performing data interaction with the card reader through the first contact communication interface or the first contactless communication interface

[0023] The control method further includes the following steps:

[0024] reading and writing smart card information, and transmitting the smart card information to the smart device;

[0025] when receiving the transaction information prompt sent by the smart device, displaying a password input box on the display screen;

[0026] The password information input by the user is sent to the smart device to complete the transaction.

[0027] With reference to the second aspect, in a first implementation manner of the second aspect, the control method further includes the following steps:

[0028] sending the data encryption sequence to the recharge platform, so that the recharge platform performs verification on the encryption sequence. [0029] After the verification result is correct, the recharge amount dialog box is displayed through the display screen;

[0030] sending the recharge amount input by the user to the recharge platform, so that the recharge platform performs a refill operation on the control chip. [0031] With reference to the second aspect, in a second implementation manner of the second aspect, the step of sending the data encryption sequence to the recharge platform, so that the recharging platform performs verification on the encryption sequence is specifically:

[0032] the control chip encrypts the initial balance and the sequence number, generates an encryption sequence, and transmits the encrypted sequence to the recharge platform, so that the recharge platform checks the encryption sequence, and The recharge platform generates a key according to the card information queried in the background, and receives the verification result sent by the recharge platform and the key.

[0033] In conjunction with the second implementation of the second aspect, in a third implementation manner of the second aspect, the recharging amount input by the user is sent to the recharge platform, so that the recharge platform is The steps of controlling the chip to perform the refilling operation are specifically as follows:

[0034] the control chip generates a recharge sequence according to the key and the input recharge amount, and sends the recharge sequence and the operation result to the recharge platform, so that the recharge platform decrypts the recharge sequence, and The recharge platform performs a refill operation according to the information carried in the recharge sequence.

With reference to the third embodiment of the second aspect, in a fourth implementation manner of the second aspect, the control method includes the following steps: the control chip is further configured to: after the recharge operation of the recharge platform is successful Receiving an encryption command for writing a card that is recharged by the refilling platform, and performing a card writing operation according to the encryption command.

Advantageous effects of the invention

Beneficial effect

[0036] The smart card and payment terminal integrated device and the control method thereof, realize the function of the smart card through the control chip, the first contact communication interface and the first contactless communication interface, through the control chip, the second contact communication interface, The two non-contact communication interface, the USB interface and the wireless transmission module realize the functions of the payment terminal, and can be used as a smart card or as a payment terminal, which brings great convenience to the user and satisfies the needs of the user.

Brief description of the drawing

DRAWINGS

[0037] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the embodiments or the prior art description will be briefly described below. Obviously, the drawings in the following description are merely Some embodiments of the present invention are not laborious for those skilled in the art. Further drawings can also be obtained from these drawings.

1 is a schematic structural diagram of an apparatus for integrating a smart card and a payment terminal according to an embodiment of the present invention;

2 is a flow chart of a control method for a smart card and a payment terminal integrated device according to an embodiment of the present invention;

3 is a flow chart of a control method for a smart card and a payment terminal integrated device according to an embodiment of the present invention.

Embodiments of the invention

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0042] In order to explain the technical solution of the present invention, the following description will be made by way of specific embodiments.

An embodiment of the present invention provides a smart card and payment terminal integrated device. As shown in FIG. 1, the integrated device includes a control chip 101, a display screen 102, and a keyboard 103.

[0044] Specifically, the control chip 101 may be a control chip integrated with a security chip function or a control chip without an integrated security chip function. Those skilled in the art may understand that when the control chip does not have an integrated security chip function. The security chip can be configured by a security chip that is connected to the control chip, such as key generation, key storage, encryption and decryption operations, and the like.

[0045] The control chip 101 is provided with a first contact communication interface 104 and/or a first contactless communication interface 105, and the control chip 101 is used for the card reader through the first contact communication interface 104 or the first contactless communication interface 105. Perform data interaction.

[0046] The first output end of the control chip 101 is connected to the control end of the display screen 102, the input end of the control chip 101 is connected to the output end of the keyboard 103, and the control chip 101 is further provided with a second contact communication interface 106 and/or second. The contactless communication interface 107, the control chip 101 reads and writes the smart card through the second contact communication interface 106 or the second contactless communication interface 107. The smart device may be a computer, or an intelligent mobile terminal such as a smart phone or a tablet computer.

[0047] The control chip 101 is further configured to read and write smart card information, and send the smart card information to the smart device, when receiving To the transaction information prompt sent by the smart device, a password input box is displayed on the display screen 102, and the password information input by the user is sent to the smart device to complete the transaction.

[0048] Specifically, the first contact communication interface 104 and the second contact communication interface 106 are 7816 interfaces, wherein the first contact communication interface 104 is a 7816 slave interface, and the second contact communication interface 106 is a 7816 master interface.

[0049] Specifically, the first contactless communication interface 105 is 13.56M.

The PICC interface, the second contactless communication interface 107 is a 13.56M PCD interface.

[0050] Further, the control chip 101 further includes a USB interface 108, and the control chip 101 can also be connected to the smart device through the USB interface 108.

[0051] A smart card and a payment terminal integrated device of the present invention have the functions of a smart card and a payment terminal, wherein, on the one hand, the control chip 101, the first contact communication interface 104, and the first contactless communication interface 105 are used to implement a smart card. The function, that is, through the 7816 interface and the 13.56M PICC interface, ensures that the card can exchange data with the card reader through the contact channel and the non-contact channel, which is no different from the conventional card; on the other hand, the control chip 101 and the second contact communication interface 106 The second contactless communication interface 107, the USB interface 108, and the wireless transmission module 109 are used to form a payment terminal, and the contact smart card is read and written through the main 7816 interface, and the 13.56M is passed.

The PCD interface can be used to read and write a contactless smart card. It can be connected to a PC using a USB interface 108, 7816 interface and a 13.56M PICC interface. It can also be connected to a mobile phone using a USB interface 108, a wireless transmission module 109, and a 13.56M PICC interface. Module 109 can be a Bluetooth module, an NFC module, and a WI FI module. Those skilled in the art can understand that when a smart card and payment terminal integrated device of the present invention is connected to a PC through a 13.56M PICC interface, the PC needs to be connected with a 13.56M non-card reader, and the 13.56M is not read. The card device provides a 13.56M PCD interface; when the smart card and payment terminal integrated device of the present invention is connected to the mobile phone through the 13.56M PICC interface, the mobile phone provides a 13.56M PCD interface.

[0052] The smart card and payment terminal integrated device of the present invention realizes the function of the smart card through the control chip, the first contact communication interface and the first contactless communication interface, through the control chip, the second contact communication interface, and the second contactless communication The interface, the USB interface, and the wireless transmission module implement the functions of the payment terminal, and can be used as a smart card or as a payment terminal, which brings great convenience to the user and satisfies the needs of the user. [0053] Further, the integrated device further includes a buzzer, and the control end of the buzzer is connected to the second output end of the control chip 101, and the buzzer is configured to issue an alarm to the user when the transaction information does not meet the predetermined condition.

[0054] Further, the integrated device further includes a wireless transmission module 109, and the control chip 101 is connected to the smart device through the wireless transmission module 109.

[0055] Further, the control chip 101 is further configured to be connected to the recharge platform via the USB interface 108 or the wireless transmission module 109.

[0056] The control chip 101 is further configured to send the data encryption sequence to the recharge platform, so that the recharge platform checks the encryption sequence, and after the verification result is correct, displays the recharge amount dialog box through the display screen 102, and inputs the user. The recharge amount is sent to the recharge platform, so that the recharge platform performs the recharge operation on the control chip 101.

[0057] Further, the control chip 101 further includes a USB interface 108, and the control chip 101 can also be connected to the recharge platform through the USB interface 108.

[0058] Specifically, the control chip 101 encrypts the initial balance and the serial number to generate an encryption sequence M1; the control chip 101 transmits the M1 to the recharge platform through the interface; the recharge platform decrypts the M1, and checks the serial number in the background. The information is generated according to the card information queried in the background. The recharge platform sends the verification result and the M2 to the control chip 101 through the interface machine. The control chip 101 prompts the user to input the recharge amount on the terminal after the verification result is correct. The control chip 101 generates a recharge sequence M3 according to the M2 and the input recharge amount; sends the encryption sequence M3 and the operation result to the recharge platform, and the recharge platform decrypts the M3, and performs recharge operation in the background according to the information carried by the M3. After successful, an encryption command M4 for writing a card is generated; M4 is sent to the control chip 101 for a card writing operation.

[0059] Further, the recharge amount is the amount of the above-mentioned consumption from the smart card, that is, the smart card is deducted by the function of the payment terminal and stored in the control chip 101 to perform consumption as a smart card.

[0060] Another embodiment of the present invention provides a control method based on the smart card and payment terminal integrated device described above, and the control method includes the following steps:

[0061] S201. Perform data interaction with the card reader through the first contact communication interface 104 or the first contactless communication interface 105.

[0062] In this step, specifically, the control chip 101, the first contact communication interface 104, and the first non-contact pass The interface 105 is used to implement the function of the smart card, that is, the 7816 interface and the 13.56M PICC interface ensure that the card can exchange data with the card reader through the contact channel and the non-contact channel, which is no different from the traditional card.

[0063] The control method further includes the following steps:

[0064] S301. Read and write smart card information, and send the smart card information to the smart device.

[0065] S302. When receiving the transaction information prompt sent by the smart device, the password input box is displayed on the display screen 102.

[0066] S303. Send the password information input by the user to the smart device to complete the transaction.

[0067] In the above steps S301 to S303, specifically, the control chip 101, the second contact communication interface 106, the second contactless communication interface 107, the USB interface 108, and the wireless transmission module 109 are used to form a payment terminal, through the main 7816 interface read and write contact smart card, through the 13.56M PCD interface to read and write contactless smart card, you can use USB interface 108, 7816 interface and 13.56M PICC interface to connect with PC, you can also use USB interface 108, wireless transmission module 109 and The 13.56M PICC interface is connected to the phone.

[0068] Further, the control method further includes the following steps:

[0069] S401. Send the data encryption sequence to the recharge platform, so that the recharge platform checks the encryption sequence;

[0070] S402. After the verification result is correct, the refill amount dialog box is displayed through the display screen 102;

[0071] S403. Send the recharge amount input by the user to the recharge platform, so that the recharge platform performs a refill operation on the control chip 101.

[0072] In the above steps S401 to S403, specifically, the control chip 101 encrypts the initial balance and the serial number to generate an encrypted sequence M1; the control chip 101 transmits M1 to the recharge platform through the interface; and the recharge platform decrypts the M1. Operation, and verifying the serial number and other information in the background, generating a key M2 according to the card information queried in the background; the replenishing platform sends the verification result and M2 to the control chip 101 through the interface machine; the control chip 101 has the correct verification result吋 prompting the user to input the recharge amount on the terminal; the control chip 101 generates a recharge sequence M3 according to the M2 and the input recharge amount; the encryption sequence M3 and the operation result are sent to the recharge platform, and the recharge platform decrypts the M3, and carries according to the M3 The information is recharged in the background, and after the operation is successful, an encryption command M4 for writing the card is generated; M4 is sent to the control chip 101 for card writing operation.

[0073] Further, the recharge amount is the amount of money consumed from the smart card in the above steps S301 to S303, that is, the smart card is debited by the function of the payment terminal and stored in the control chip 101. To consume as a smart card.

[0074] A smart card and payment terminal integrated device control method, the function of the smart card is realized by the control chip, the first contact communication interface and the first contactless communication interface, through the control chip, the second contact communication interface, and the second The contactless communication interface, the USB interface and the wireless transmission module realize the functions of the payment terminal, and can be used as a smart card or as a payment terminal, which brings great convenience to the user and satisfies the needs of the user.

The above is a further detailed description of the present invention in connection with the specific preferred embodiments, and it is not intended that the specific embodiments of the invention are limited to the description. It will be apparent to those skilled in the art that <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; </ RTI> <RTIgt; The scope of patent protection as determined by the book.

Claims

Claim

A smart card and payment terminal integrated device, wherein the integrated device comprises a control chip, a display screen and a keyboard;

The control chip is provided with a first contact communication interface and/or a first contactless communication interface; the control chip is configured to be performed by the first contact communication interface or the first contactless communication interface and the card reader Data interaction;

The first output end of the control chip is connected to the control end of the display screen, the input end of the control chip is connected to the output end of the keyboard, and the control chip is further provided with a second contact communication interface and/or a second contactless communication interface, the control chip reads and writes a smart card through the second contact communication interface or the second contactless communication interface;

The control chip is further configured to read and write smart card information, send the smart card information to the smart device, and when receiving the transaction information prompt sent by the smart device, display a password input box on the display screen, and display the user The entered password information is sent to the smart device to complete the transaction.

The integrated device according to claim 1, wherein the integrated device further comprises a wireless transmission module, and the control chip is connected to the smart device through the wireless transmission module.

The integrated device according to claim 2, wherein the control chip is further configured to be connected to the recharge platform by using the wireless transmission module;

The control chip is further configured to send the data encryption sequence to the recharge platform, so that the recharge platform checks the encryption sequence, and after the verification result is correct, the recharge amount dialog box is displayed through the display screen, and Sending the recharge amount input by the user to the recharge platform, so that the recharge platform performs a refill operation on the control chip.

The integrated device according to claim 1, wherein the control chip further comprises a USB interface, and the control chip is connected to the smart device through the USB interface.

The integrated device according to claim 1, wherein the control chip further comprises a USB interface, and the control chip is connected to the recharge platform through the USB interface.

The integrated device according to claim 5, wherein the control chip is further used for Sending the data encryption sequence to the recharge platform, so that the recharge platform checks the encryption sequence, and after the verification result is correct, displays the recharge amount dialog box through the display screen, and sends the recharge amount input by the user. Go to the recharge platform to enable the recharge platform to perform a recharge operation on the control chip.

The integrated device according to claim 3 or 5, wherein the control chip encrypts the initial balance and the serial number, generates an encrypted sequence, and transmits the encrypted sequence to the charging platform, so that the The replenishing platform verifies the encrypted sequence, and causes the recharging platform to generate a key according to the card information queried in the background, and receives the verification result sent by the recharge platform and the key, and the verification result is Correctly prompt the user to enter the recharge amount on the terminal.

The integrated device according to claim 7, wherein the control chip generates a recharge sequence according to the key and the input recharge amount, and sends the recharge sequence and the operation result to a recharge platform, so that The recharge platform decrypts the recharge sequence and causes the recharge platform to perform a refill operation according to the information carried in the recharge sequence.

The integrated device according to claim 8, wherein the control chip is further configured to receive an encryption command for writing a card sent by the recharge platform after the recharge operation of the recharge platform is successful, according to the The encryption command performs a card write operation.

The integrated device of claim 1, wherein the first contact communication interface and the second contact communication interface are 7816 interfaces.

The integrated device according to claim 1, wherein the first contactless communication interface is a 13.56M PICC interface, and the second contactless communication interface is a 13.56M PCD interface.

Hey.

The integrated device according to claim 1, wherein the integrated device further comprises a buzzer, and the control end of the buzzer is connected to the second output end of the control chip. A control method for integrating a smart card and a payment terminal according to claim 1, wherein the control method comprises the following steps:

Data interaction with the card reader through the first contact communication interface or the first contactless communication interface; The control method further includes the following steps:

Reading and writing smart card information, sending the smart card information to the smart device; when receiving the transaction information prompt sent by the smart device, displaying a password input box on the display screen;

The password information entered by the user is sent to the smart device to complete the transaction.

[Claim 14] The control method according to claim 13, wherein the control method further comprises the following steps:

Sending the data encryption sequence to the recharge platform, so that the recharge platform checks the encryption sequence;

After the verification result is correct, the recharge amount dialog box is displayed through the display screen;

The recharge amount input by the user is sent to the recharge platform, so that the recharge platform performs a refill operation on the control chip.

[Claim 15] The integrated device according to claim 14, wherein the step of transmitting the data encryption sequence to the recharge platform, so that the recharge platform checks the encrypted sequence is specifically:

The control chip encrypts the initial balance and the serial number, generates an encrypted sequence, and transmits the encrypted sequence to the charging platform, so that the charging platform checks the encrypted sequence, and the charging is performed. The platform generates a key according to the card information queried in the background, and receives the verification result sent by the recharge platform and the key.

[Claim 16] The integrated device according to claim 15, wherein the step of transmitting a recharge amount input by a user to the recharge platform to cause the recharge platform to perform a refill operation on the control chip Specifically:

The control chip generates a recharge sequence according to the key and the input recharge amount, and sends the recharge sequence and the operation result to the recharge platform, so that the recharge platform decrypts the recharge sequence, and causes the recharge The platform performs a refill operation according to the information carried in the recharge sequence.

[Claim 17] The integrated device according to claim 16, wherein the control method comprises the following steps: the control chip is further configured to receive the recharge device after the recharge operation succeeds The refilling platform recharges the encrypted command for writing the card, and performs a card writing operation according to the encrypted command.