WO2018086229A1 - 交易路由识别方法及系统 - Google Patents

交易路由识别方法及系统 Download PDF

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Publication number
WO2018086229A1
WO2018086229A1 PCT/CN2016/113430 CN2016113430W WO2018086229A1 WO 2018086229 A1 WO2018086229 A1 WO 2018086229A1 CN 2016113430 W CN2016113430 W CN 2016113430W WO 2018086229 A1 WO2018086229 A1 WO 2018086229A1
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transaction
secure
terminal device
nfc
card
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French (fr)
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张子敬
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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Yulong Computer Telecommunication Scientific Shenzhen Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the present invention relates to the field of secure payment technologies, and in particular, to a NFC-based transaction route identification method and system.
  • NFC Near Field Communication
  • the NFC function currently has two ways to implement card emulation: one is hardware-based, called Virtual Card Mode; the other is software-based, called Host Card Mode.
  • the SE provides secure storage of sensitive information and provides a secure execution environment for transaction transactions.
  • the NFC chip acts as a contactless communication front end, and forwards commands received from the external reader to the SE, which are then processed by the SE and replied by the NFC chip.
  • the SE may be integrated in a SIM (Subscriber Identification Module), an SD (Secure Digital Memory Card), or other chips.
  • the SE In the host card mode, the SE is not required to be provided, but the function of the SE is completed by an application running in the mobile phone or a server in the cloud, and the data received by the NFC chip is sent by the operating system or the application to the mobile phone, or The interaction is done through a mobile network to the server in the cloud.
  • NFC-enabled terminals there are more and more NFC-enabled terminals, and various NFC solutions are also emerging.
  • HCE HyperText-based Card Emulation
  • SWP-NFC SWP-NFC based on virtual card mode
  • it supports two kinds of SIM card SWP-NFC solutions, dual-system dual-domain NFC solutions.
  • the combination of the above solutions may have a problem of a card simulating transaction routing.
  • the terminal when the user performs a card simulation transaction, the terminal finally routes the transaction to the HCE host or the SIM card, the first SIM card or the second SIM card, the general domain, or Security domain, etc.
  • Existing solutions generally require manual setting by the user. For example, the location of the security module at the time of payment can be selected from the NFC settings. Therefore, the above operation is inconvenient, the user experience is poor, and it is impossible to switch in the off state.
  • a terminal device includes an NFC chip, and further includes:
  • the at least two NFC antennas are respectively located at different positions on the terminal device.
  • the at least two secure transaction units respectively comprise a host system or a security module
  • the at least two secure transaction units respectively comprise security modules in at least two SIM cards
  • the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.
  • the terminal device stores a transaction routing relationship table for storing a correspondence between an ID of the NFC antenna and a card analog transaction routing destination.
  • a transaction route identification method is applied to the foregoing terminal device, and the transaction route identification method includes:
  • the card simulation transaction information is routed to a secure transaction unit corresponding to the destination.
  • the at least two secure transaction units respectively comprise a host system or a security module
  • the at least two secure transaction units respectively comprise security modules in at least two SIM cards
  • the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.
  • the transaction routing relationship is recorded in a transaction routing relationship table, and the transaction routing relationship table stores a correspondence between an ID of the NFC antenna and a card simulation transaction routing destination.
  • a transaction route identification system running in the foregoing terminal device, the transaction route identification system comprising:
  • a detection module configured to detect a card analog transaction signal of the NFC antenna
  • a determining module configured to determine an NFC antenna that transmits the card analog transaction signal and obtain an ID of the determined NFC antenna
  • a retrieval module configured to retrieve a corresponding card simulation transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship
  • a routing module is configured to route the card simulated transaction information to a secure transaction unit corresponding to the destination.
  • the at least two secure transaction units respectively comprise a host system or a security module
  • the at least two secure transaction units respectively comprise security modules in at least two SIM cards
  • the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.
  • the transaction routing relationship is recorded in a transaction routing relationship table, and the transaction routing relationship table stores a correspondence between an ID of the NFC antenna and a card simulation transaction routing destination.
  • the present invention integrates two or more NFC antennas on a terminal device and deploys them at different locations, and simulates the card from each NFC antenna by retrieving the NFC antenna and the transaction routing relationship table of the transaction.
  • the transaction is routed to a specific secure transaction unit.
  • the solution of the invention can be automatically routed to a specific secure transaction unit during the card simulation transaction process, without manual selection by the user, improving the convenience and enhancing the user experience, and the scheme can perform route switching in the terminal device shutdown state, and the function More powerful.
  • FIG. 1 is a flow chart of a method of a preferred embodiment of the transaction route identification method of the present invention.
  • FIG. 2 is a schematic structural diagram of a preferred embodiment of the transaction route identification system of the present invention.
  • FIG. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present invention.
  • Embodiments of the present invention provide a transaction route identification method, which can automatically identify a transaction route of an NFC. Embodiments of the present invention also provide a corresponding transaction route identification system, terminal device, and computer readable storage medium.
  • FIG. 1 is a flow chart of a method of a preferred embodiment of the transaction route identification method of the present invention.
  • the transaction route identification method of the present invention can be applied to a terminal device.
  • the terminal device may be, but not limited to, a device including an NFC module, such as a personal computer, a smart phone, a tablet, and a smart wearable device.
  • NFC is the abbreviation of Near Field Communication, a short-range wireless communication technology. It is a contactless identification and interconnection technology for short-range wireless communication between mobile devices, consumer electronics, PCs and smart control tools. NFC provides a simple, touch-enabled solution that allows consumers to easily and intuitively exchange information and access content and services.
  • the NFC module is mainly composed of an NFC chip and an NFC antenna.
  • the NFC chip has a communication function and a certain computing capability, and some models even include an encryption logic circuit and an encryption/decryption module, and the NFC antenna is a near-field coupling antenna, generally a coupling coil and a magnetic film. For power transmission and data reception.
  • the NFC antenna may be built in the terminal device.
  • the terminal device includes at least two NFC antennas, which are respectively located at different positions of the terminal device.
  • the terminal device may also have more than two NFC antennas, and is not limited to two.
  • the at least two NFC antennas may be located on the upper side and the lower side of the terminal device, or respectively located on the upper side, the middle side, and the lower side of the terminal device, or on the upper and lower ends of the terminal device. , left and right four vertices, and so on.
  • one of the NFC antennas may be located on the upper side of the terminal device, and the other NFC antenna may be located on the lower side of the terminal device.
  • Each of the NFC antennas has an ID (identification) for distinguishing the NFC antennas.
  • the transaction route identification method includes:
  • the terminal device determines whether a card analog transaction signal of the NFC antenna is detected.
  • the card analog transaction signal may be data received by the NFC antenna.
  • the terminal device determines an NFC antenna that sends the card analog transaction signal and acquires the ID of the determined NFC antenna; and in S12, retrieves a corresponding card according to the ID of the NFC antenna and a preset transaction routing relationship. Simulating the transaction routing destination; further, at S13, the card simulation transaction information is routed to the secure transaction unit corresponding to the destination.
  • the routing destination may be a different secure transaction unit according to different NFC schemes included in the terminal device.
  • the secure transaction unit It may include a host system such as a mobile phone application (APP) and a security module (Secure Element, SE) such as SWP-SIM or SWP-SD.
  • HCE Host-based Card Emulation
  • SWP Single Wire Protocol
  • SWP-SD Single Wire Protocol-NFC scheme
  • APP mobile phone application
  • SE security module
  • the terminal device includes the first SIM card and the second SIM card, and the first SIM card and the second SIM card both have a security module.
  • the secure transaction unit may include a first SIM card and a security module corresponding to the second SIM card.
  • the secure transaction unit may include a common domain and a host system and/or a security module in the security domain.
  • a terminal device supports an NFC scheme of a dual SIM card, and the card analog transaction can be routed to the first SIM card or the second SIM card.
  • the user usually needs to use the first SIM card or the second SIM card, and the device needs to be reset when it needs to be changed, but cannot be changed in the shutdown state.
  • the embodiment of the present invention may preset a transaction routing relationship, where the transaction routing relationship may be recorded in a transaction routing relationship table, where the correspondence between the ID of the NFC antenna and the destination of the card simulated transaction may be stored. As shown in the following table:
  • the transaction routing relationship table may be stored in the terminal device.
  • the card analog transaction routing destination may be retrieved as the first SIM card. And routing the card simulation transaction information to a security module corresponding to the first SIM card.
  • FIG. 1 details the transaction route identification method of the present invention.
  • the transaction route identification system and the terminal device for realizing the above-described transaction route identification method are respectively described below with reference to FIGS. 2 to 3.
  • FIG. 2 is a schematic structural diagram of a preferred embodiment of the transaction route identification system of the present invention.
  • the transaction route identification system 10 of the present invention may comprise a plurality of program segments consisting of computer program code, which may be installed in the terminal device and executed by the terminal device to implement transaction route identification.
  • the transaction route identification system 10 shown in FIG. 2 can be divided into a plurality of functional modules according to the functions performed thereby.
  • the function module at least includes: a detection module 100, a determination module 101, a retrieval module 102, and a routing module 103.
  • the detection module 100 is configured to detect a card analog transaction signal of the NFC antenna.
  • the card analog transaction signal may be data received by the NFC antenna.
  • the determining module 101 is configured to determine an NFC antenna that transmits the card analog transaction signal and acquire an ID of the determined NFC antenna when detecting a card analog transaction signal of the NFC antenna.
  • the retrieval module 102 is configured to retrieve a corresponding card simulation transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship.
  • the routing module 103 is arranged to route the card simulated transaction information to a secure transaction unit corresponding to the destination.
  • the routing destination may be a different secure transaction unit according to different NFC schemes included in the terminal device.
  • the secure transaction unit may include a host system, such as a mobile phone application (APP) and a security module (Secure Element, SE) such as SWP-SIM or SWP-SD.
  • a host system such as a mobile phone application (APP) and a security module (Secure Element, SE) such as SWP-SIM or SWP-SD.
  • SE Secure Element
  • the terminal device includes the first SIM card and the second SIM card, and the first SIM card and the second SIM card both have a security module.
  • the secure transaction unit may include a first SIM card and a security module corresponding to the second SIM card.
  • the secure transaction unit may include a host system and/or a security module in a normal domain or a security domain.
  • a terminal device supports an NFC scheme of a dual SIM card, and the card analog transaction can be routed to the first SIM card or the second SIM card.
  • the user usually needs to use the first SIM card or the second SIM card. If it needs to be changed, it can be reset, but it cannot be changed in the shutdown state.
  • the embodiment of the present invention may preset a transaction routing relationship, where the transaction routing relationship may be recorded in a transaction routing relationship table, where the correspondence between the ID of the NFC antenna and the destination of the card simulated transaction may be stored. As shown in the following table:
  • the retrieval module may retrieve the card analog transaction routing destination according to the preset transaction routing relationship table.
  • the first SIM card is used by the routing module 103 to route the card simulation transaction information to the security module corresponding to the first SIM card.
  • the transaction routing relationship table may be stored in the terminal device.
  • the above-described integrated unit implemented in the form of a software function module can be stored in a computer readable storage medium.
  • the above software function module is stored in a storage medium, and includes a plurality of instructions for causing a terminal device (which may be a personal computer, a smart phone, a tablet computer, a smart wearable device, etc.) or a processor to execute various implementations of the present invention. Part of the steps of the method described.
  • FIG. 3 it is a schematic structural diagram of a terminal device that implements the transaction route identification method of the present invention.
  • the terminal device 1000 of the present invention may be, but not limited to, a personal computer, a smart phone, a tablet computer, and a smart wearable device, including a watch, a wristband, glasses, and the like.
  • the terminal device 1000 in the embodiment of the present invention includes an NFC chip 1, a first NFC antenna 20, a second NFC antenna 21, a first secure transaction unit 30, and a second secure transaction unit 31.
  • the first NFC antenna 20 corresponds to the first secure transaction unit 30, and the second NFC antenna 21 corresponds to the second secure transaction unit 31.
  • the terminal device 1000 may also include more than two NFC antennas and two or more secure transaction units according to different requirements, and is not limited to the above embodiments.
  • the NFC chip 1 has a communication function and a certain computing power, and some models even include an encryption logic circuit and an encryption/decryption module.
  • the first NFC antenna 20 and the second NFC antenna 21 are a near field coupling antenna, and generally a coupling coil is formed with a magnetic film for power transmission and data reception.
  • the first NFC antenna 20 and the second NFC antenna 21 may be built in the terminal device 100 and located at different locations of the terminal device 1000.
  • the first NFC antenna 20 may be located on an upper side of the terminal device 1000, and the second NFC antenna 21 may be located on a lower side of the terminal device 1000.
  • the first NFC antenna 20 and the second NFC antenna 21 both have an ID (identification number).
  • the first secure transaction unit 30 may be a host system, such as a mobile phone application (APP), and the second secure transaction unit 31 may be a Secure Module (SE) such as SWP-SIM or SWP-SD;
  • SE Secure Module
  • SWP-NFC solution supports two SIM cards, that is, the terminal device 1000 includes a first SIM card and a second SIM card, and the first SIM card and the second SIM card both have a security module, and the first secure transaction
  • the unit 30 may be a first SIM card, and the second secure transaction unit 31 may be a second SIM card; and if the terminal device 1000 simultaneously supports a dual system dual domain NFC scheme, the first secure transaction unit 30 may be a host system and/or security module of a common domain, and the second secure transaction unit 31 may be a host system and/or a security module of the security domain.
  • the terminal device 1000 further stores a transaction routing relationship table for storing the correspondence between the ID of the NFC antenna and the card simulation transaction routing destination.
  • the NFC chip 1 may include one or more microprocessors and digital processors, and the transaction route identification system 10 may be executed to implement:
  • the card simulation transaction information is routed to a secure transaction unit corresponding to the destination.
  • the at least two secure transaction units respectively comprise a host system or a security module
  • the at least two secure transaction units respectively comprise security modules in at least two SIM cards
  • the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.
  • the transaction routing relationship is recorded in a transaction routing relationship table, and the transaction routing relationship table stores a correspondence between an ID of the NFC antenna and a card simulation transaction routing destination.
  • Embodiments of the present invention also provide a computer readable storage medium storing one or more programs, the one or more programs including instructions that, when executed by a terminal device including one or more processors, cause The terminal device performs a transaction route identification method of a terminal device as described in the foregoing method embodiment.
  • the program may be stored in a computer readable storage medium, and the storage medium may include: ROM, RAM, disk or CD.
  • modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment.
  • each functional module in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.
  • the above integrated unit can be implemented in the form of hardware or in the form of hardware plus software function modules.

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Abstract

一种终端设备，包括NFC芯片，还包括：至少两个NFC天线以及至少两个安全交易单元，其中每一个NFC天线对应一个安全交易单元。其中，所述至少两个NFC天线分别位于所述终端设备上的不同位置。所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。所述终端设备存储有一个交易路由关系表，用于存储NFC天线的ID与卡模拟交易路由目的地的对应关系。本发明还提供一种利用上述终端设备实现的交易路由识别方法及系统。本发明可以自动识别NFC的交易路由。

Description

交易路由识别方法及系统
本申请要求于2016年11月11日提交中国专利局，申请号为201610994444.0、发明名称为“交易路由识别方法及系统”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明涉及安全支付技术领域，具体涉及一种基于NFC的交易路由识别方法及系统。
背景技术
NFC（Near Field Communication，近场通信）支付是最近两年科技圈的持续热议的一项技术。有NFC功能的终端，可以通过卡模拟，将信用卡、借记卡、会员卡等卡片模拟到手机中，只需轻轻一碰POS机，“嘀”的一下，不在卡槽里刷卡、不输密码，也不用签字。
NFC功能目前有两种方式实现卡模拟：一种是基于硬件的，称为虚拟卡模式（Virtual Card Mode）；一种是基于软件的，被称为主机卡模式（Host Card Mode）。
在虚拟卡模式下，需要提供安全模块（Secure Element，SE）。所述SE提供对敏感信息的安全存储和对交易事务提供一个安全的执行环境。NFC芯片作为非接触通讯前端，将从外部读写器接收到的命令转发到SE，然后由SE处理，并通过NFC芯片回复。所述SE可以集成在SIM（Subscriber Identification Module 客户识别模块）、SD（Secure Digital Memory Card，安全数字存储卡）或者其它芯片中。
在主机卡模式下，不需要提供SE，而是由在手机中运行的一个应用或云端的服务器完成SE的功能，此时NFC芯片接收到的数据由操作系统或发送至手机中的应用，或通过移动网络发送至云端的服务器来完成交互。
目前，支持NFC功能的终端越来越多，各种NFC方案的组合也层出不穷，例如同时支持HCE（Host-based Card Emulation，基于主机的卡模拟）方案和基于虚拟卡模式的SWP-NFC方案、同时支持两种SIM卡的SWP-NFC方案、双系统双域NFC方案等。
上述这些方案的组合都会存在一个卡模拟交易路由的问题，如用户进行卡模拟交易时终端最终是把所述交易路由到HCE主机还是SIM卡、第一SIM卡还是第二SIM卡、普通域还是安全域等等这都属于交易路由的问题，现有方案一般需要用户手动设置，如可从NFC设置中选择支付时安全模块的位置。因此，上述操作不方便、用户体验差、且在关机状态下无法切换。
发明内容
鉴于以上内容，有必要提出一种终端设备，其可以自动识别NFC的交易路由。
一种终端设备，所述终端设备包括有NFC芯片，还包括：
至少两个NFC天线以及至少两个安全交易单元，其中每一个NFC天线对应一个安全交易单元。
本发明优选实施例中，所述至少两个NFC天线分别位于所述终端设备上的不同位置。
本发明优选实施例中，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
本发明优选实施例中，所述终端设备存储有一个交易路由关系表，用于存储NFC天线的ID与卡模拟交易路由目的地的对应关系。
鉴于以上内容，还有必要提出一种交易路由识别方法，其可以自动识别NFC的交易路由。
一种交易路由识别方法，应用于上述的终端设备中，所述交易路由识别方法包括：
在检测到NFC天线的卡模拟交易信号时，确定发送所述卡模拟交易信号的NFC天线并获取所述确定的NFC天线的ID；
根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地；及
将所述卡模拟交易信息路由到目的地对应的安全交易单元中。
本发明优选实施例中，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
本发明优选实施例中，所述交易路由关系记录于交易路由关系表中，所述交易路由关系表存储有NFC天线的ID与卡模拟交易路由目的地的对应关系。
鉴于以上内容，还有必要提出一种交易路由识别系统，其可以自动识别NFC的交易路由。
一种交易路由识别系统，运行于上述的终端设备中，所述交易路由识别系统包括：
检测模块，设置为检测NFC天线的卡模拟交易信号；
判断模块，设置为确定发送所述卡模拟交易信号的NFC天线并获取所述确定的NFC天线的ID；
检索模块，设置为根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地；及
路由模块，设置为将所述卡模拟交易信息路由到目的地对应的安全交易单元中。
本发明优选实施例中，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
本发明优选实施例中，所述交易路由关系记录于交易路由关系表中，所述交易路由关系表存储有NFC天线的ID与卡模拟交易路由目的地的对应关系。
相较于现有技术，本发明在终端设备上集成两根或者以上NFC天线，且部署在不同的位置上，通过检索所属交易的NFC天线和交易路由关系表，将来自各NFC天线的卡模拟交易路由至特定的安全交易单元。通过本发明方案可在卡模拟交易过程中自动路由至特定的安全交易单元，无需用户手动选择，提高便利性的同时增强了用户体验，而且该方案可在终端设备关机状态下进行路由切换，功能更强大。
 附图说明
为了更清楚地说明本发明实施例技术方案，下面将对实施例和现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其它的附图。
图1是本发明所述交易路由识别方法较佳实施例的方法流程图。
图2是本发明所述交易路由识别系统较佳实施例的结构示意图。
图3是本发明实施例提供的终端设备的结构示意图。
主要元件符号说明
终端设备 1000
NFC芯片 1
第一NFC天线 20
第二NFC天线 21
第一安全交易单元 30
第二安全交易单元 31
交易路由识别系统 10
检测模块 100
判断模块 101
检索模块 102
路由模块 103
具体实施方式
本发明实施例提供一种交易路由识别方法，可以自动识别NFC的交易路由。本发明实施例还提供相应的交易路由识别系统、终端设备以及计算机可读存储介质。
为了使本技术领域的人员更好地理解本发明方案，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，所描述的实施例仅仅是本发明一部分的实施例，而不是全部的实施例。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劳动前提下所获得的所有其他实施例，都应当属于本发明保护的范围。
下面通过具体实施例，分别进行详细的说明。
实施例一、
图1是本发明所述交易路由识别方法较佳实施例的方法流程图。
根据不同的需求，该图所示流程图中的执行顺序可以改变，某些可以省略。
本发明所述交易路由识别方法可以应用于一个终端设备中。所述终端设备可以是，但不限于，例如，个人计算机，智能手机，平板电脑，以及智能穿戴设备等包括有NFC模块的设备。
NFC是Near Field Communication缩写，即近距离无线通讯技术，是一种非接触式识别和互联技术，可以在移动设备、消费类电子产品、PC 和智能控件工具间进行近距离无线通信。NFC 提供了一种简单、触控式的解决方案，可以让消费者简单直观地交换信息、访问内容与服务。
所述NFC模块主要由NFC芯片与NFC天线组成。其中，所述NFC芯片具有通信功能和一定的计算能力，部分型号甚至含有加密逻辑电路以及加密/解密模块，而NFC天线则是一种近场耦合天线，一般来说是耦合线圈搭配磁性薄膜构成，用于实现功率发射和数据接收。
所述NFC天线可以内置于所述终端设备。
本发明较佳实施例中，所述终端设备包括有至少两个NFC天线，可以分别位于所述终端设备的不同位置上。
本发明其他较佳实施例中，所述终端设备也可以有两个以上的NFC天线，而不限于两个。
例如，所述至少两个NFC天线可以分别位于所述终端设备的上侧、下侧，或者分别位于所述终端设备的上侧、中侧以及下侧，或者位于所述终端设备的上、下、左、右四个顶点处等等。
本发明其中一个较佳实施例中，其中一个NFC天线可以位于所述终端设备的上侧，另一个NFC天线可以位于所述终端设备的下侧。
其中，所述每一个NFC天线都具有一个ID（identification，身份标识号），用于对所述NFC天线进行区分。
参阅图1所示，所述交易路由识别方法包括：
S10，所述终端设备判断是否检测到NFC天线的卡模拟交易信号。
本发明实施例中，所述卡模拟交易信号可以是所述NFC天线接收到的数据。
当检测到NFC天线的卡模拟交易信号时，执行下述的S11。
S11，所述终端设备确定发送所述卡模拟交易信号的NFC天线并获取所述确定的NFC天线的ID；于S12，根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地；进一步地，于S13，将所述卡模拟交易信息路由到目的地对应的安全交易单元中。
本发明较佳实施例中，所述路由目的地根据所述终端设备所包括的不同的NFC方案，可以是不同的安全交易单元。
例如，若所述终端设备同时支持HCE（Host-based Card Emulation，基于主机的卡模拟）方案和基于虚拟卡模式的SWP（Single Wire Protocol，单线连接协议）-NFC方案，则所述安全交易单元可以包括主机系统，如手机应用（APP）以及SWP-SIM或者SWP-SD之类的安全模块（Secure Element，SE）。
又如，若所述终端设备同时支持两种SIM卡的SWP-NFC方案，即所述终端设备包括第一SIM卡和第二SIM卡，而第一SIM卡以及第二SIM卡都存在安全模块，则所述安全交易单元可以包括第一SIM卡以及第二SIM卡对应的安全模块。
再如，若所述终端设备同时支持双系统双域的NFC方案，则所述安全交易单元可以包括普通域以及安全域中的主机系统及/或安全模块。
假设，某终端设备支持双SIM卡的NFC方案，所述卡模拟交易可以路由至第一SIM卡或第二SIM卡中。现有方案中，通常需要用户设定具体是使用第一SIM卡或者第二SIM卡，需要变更时重新设置下即可，但在关机状态下无法变更。
本发明实施例可以预设交易路由关系，所述交易路由关系可以记录在一个交易路由关系表，所述交易路由关系表中可以存储有NFC天线的ID与卡模拟交易路由目的地的对应关系，如下表所示：
NFC 天线ID 卡模拟交易路由目的地
1 第一SIM卡
2 第二SIM卡
…… ……
本发明较佳实施例中，所述交易路由关系表可以存储于所述终端设备中。
因此，当所述终端设备确定获取所述模拟交易信号的NFC天线的ID为1，则根据所述预设的交易路由关系表，可以检索到所述卡模拟交易路由目的地为第一SIM卡，并将所述卡模拟交易信息路由到所述第一SIM卡对应的安全模块中。
上述图1详细介绍了本发明的交易路由识别方法，下面结合第2~3图，分别对实现上述交易路由识别方法的交易路由识别系统以及终端设备进行介绍。
应该了解，所述实施例仅为说明之用，在专利申请范围上并不受此结构的限制。
实施例二、
如图2所示，是本发明所述交易路由识别系统较佳实施例的结构示意图。
本发明所述交易路由识别系统10可以包括多个由计算机程序代码所组成的程序段，可以安装在终端设备中，并由所述终端设备所执行，以实现交易路由识别。
本实施例中，图2所示的交易路由识别系统10根据其所执行的功能，可以被划分为多个功能模块。本实施例中，所述功能模块至少包括：检测模块100、判断模块101、检索模块102以及路由模块103。
所述检测模块100设置为检测NFC天线的卡模拟交易信号。
本发明实施例中，所述卡模拟交易信号可以是所述NFC天线接收到的数据。
所述判断模块101设置为在检测NFC天线的卡模拟交易信号时，确定发送所述卡模拟交易信号的NFC天线并获取所述确定的NFC天线的ID。
所述检索模块102设置为根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地。
所述路由模块103设置为将所述卡模拟交易信息路由到所述目的地对应的安全交易单元中。
本发明较佳实施例中，所述路由目的地根据所述终端设备所包括的不同的NFC方案，可以是不同的安全交易单元。
例如，若所述终端设备同时支持HCE（Host-based Card Emulation，基于主机的卡模拟）方案和基于虚拟卡模式的SWP-NFC方案，则所述安全交易单元可以包括主机系统，如手机应用（APP） 以及SWP-SIM或者SWP-SD之类的安全模块（Secure Element，SE）。
又如，若所述终端设备同时支持两种SIM卡的SWP-NFC方案，即所述终端设备包括第一SIM卡和第二SIM卡，而第一SIM卡以及第二SIM卡都存在安全模块，则所述安全交易单元可以包括第一SIM卡以及第二SIM卡对应的安全模块。
再如，若所述终端设备同时支持双系统双域NFC方案，则所述安全交易单元可以包括普通域还是安全域中的主机系统及/或安全模块。
假设，某终端设备支持双SIM卡的NFC方案， 所述卡模拟交易可以路由至第一SIM卡或第二SIM卡中。现有方案中，通常需要用户设定具体是使用第一SIM卡或者卡第二SIM卡，需要变更时重新设置下即可，但在关机状态下无法变更。
本发明实施例可以预设交易路由关系，所述交易路由关系可以记录在一个交易路由关系表，所述交易路由关系表中可以存储有NFC天线的ID与卡模拟交易路由目的地的对应关系，如下表所示：
NFC 天线的ID 卡模拟交易路由目的地（安全交易单元）
1 第一SIM卡
2 第二SIM卡
…… ……
因此，当所述判断模块101确定获取所述模拟交易信号的NFC天线的ID为1，则所述检索模块根据所述预设的交易路由关系表，可以检索到所述卡模拟交易路由目的地为第一SIM卡，并由所述路由模块103将所述卡模拟交易信息路由到所述第一SIM卡对应的安全模块中。
本发明较佳实施例中，所述交易路由关系表可以存储于所述终端设备中。
上述以软件功能模块的形式实现的集成单元，可以存储在一个计算机可读取存储介质中。上述软件功能模块存储在一个存储介质中，包括若干指令用以使得一台终端设备（可以是个人计算机，智能手机，平板电脑，以及智能穿戴设备等）或处理器（processor）执行本发明各个实施例所述方法的部分步骤。
实施例三、
如图3所示，是实现本发明所述交易路由识别方法的终端设备的结构示意图。
本发明所述终端设备1000可以是，但不限于，例如，个人计算机、智能手机，平板电脑，以及智能穿戴设备，包括手表、手环、眼镜等。
如图3所示，本发明实施例中的终端设备1000包括NFC芯片1、第一NFC天线20、第二NFC天线 21、第一安全交易单元30以及第二安全交易单元31。
其中，所述第一NFC天线20对应所述第一安全交易单元30，以及所述第二NFC天线21对应所述第二安全交易单元31。
本发明其他较佳实施例中，根据不同的需求，所述终端设备1000也可以包括两个以上的NFC天线以及两个以上的安全交易单元，而不限于上述的实施例。
所述NFC芯片1具有通信功能和一定的计算能力，部分型号甚至含有加密逻辑电路以及加密/解密模块。
所述第一NFC天线20以及第二NFC天线21是一种近场耦合天线，一般来说是耦合线圈搭配磁性薄膜构成，用于实现功率发射和数据接收。
所述第一NFC天线20以及所述第二NFC天线21可以内置于所述终端设备100，并位于所述终端设备1000的不同位置。
本发明其中一个较佳实施例中，所述第一NFC天线20可以位于所述终端设备1000的上侧，以及所述第二NFC天线21可以位于所述终端设备1000的下侧。
其中，所述第一NFC天线20以及第二NFC 天线21都具有一个ID（identification，身份标识号）。
本发明较佳实施例中，若所述终端设备1000同时支持HCE（Host-based Card Emulation，基于主机的卡模拟）方案和基于虚拟卡模式的SWP-NFC方案，则所述第一安全交易单元30可以是主机系统，如手机应用（APP），以及所述第二安全交易单元31可以是SWP-SIM或者SWP-SD之类的安全模块（Secure Element，SE）；若所述终端设备1000同时支持两种SIM卡的SWP-NFC方案，即所述终端设备1000包括第一SIM卡和第二SIM卡，而第一SIM卡以及第二SIM卡都存在安全模块，则所述第一安全交易单元30可以是第一SIM卡，以及所述第二安全交易单元31可以是第二SIM卡；以及若所述终端设备1000同时支持双系统双域的NFC方案，则所述第一安全交易单元30可以是普通域的主机系统和/或安全模块，以及所述第二安全交易单元31可以是安全域的主机系统和/或安全模块。
本发明较佳实施例中，所述终端设备1000还存储有一个交易路由关系表，用于存储有NFC天线的ID与卡模拟交易路由目的地的对应关系。
本发明实施例中，所述NFC芯片1可以包括一个或者多个微处理器、数字处理器，可执行所述交易路由识别系统10，从而实现：
在检测到NFC天线的卡模拟交易信号时，确定发送所述卡模拟交易信号的NFC天线并获取所述确定的NFC天线的ID；
根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地；及
将所述卡模拟交易信息路由到目的地对应的安全交易单元中。
本发明优选实施例中，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
本发明优选实施例中，所述交易路由关系记录于交易路由关系表中，所述交易路由关系表存储有NFC天线的ID与卡模拟交易路由目的地的对应关系。
实施例四、
本发明实施例还提供一种存储一个或多个程序的计算机可读存储介质，所述一个或多个程序包括指令，所述指令当被包括一个或多个处理器的终端设备执行时，使所述终端设备执行如上文方法实施例所述的一种终端设备的交易路由识别方法。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详细描述的部分，可以参见其它实施例的相关描述。
需要说明的是，对于前述的各方法实施例，为了简单描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本发明并不受所描述动作顺序的限制，因为依据本发明，某些步骤可以采用其它顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定是本发明所必须的。
本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序可以存储于一计算机可读存储介质中，存储介质可以包括：ROM、RAM、磁盘或光盘等。
在本发明所提供的几个实施例中，应该理解到，所揭露的系统和方法，可以通过其它的方式实现。例如，以上所描述的系统实施例仅仅是示意性的，例如，所述模块的划分，仅仅为一种逻辑功能划分，实际实现时可以有另外的划分方式。
所述作为分离部件说明的模块可以是或者也可以不是物理上分开的，作为模块显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部模块来实现本实施例方案的目的。
另外，在本发明各个实施例中的各功能模块可以集成在一个处理单元中，也可以是各个单元单独物理存在，也可以两个或两个以上单元集成在一个单元中。上述集成的单元既可以采用硬件的形式实现，也可以采用硬件加软件功能模块的形式实现。
对于本领域技术人员而言，显然本发明不限于上述示范性实施例的细节，而且在不背离本发明的精神或基本特征的情况下，能够以其他的具体形式实现本发明。因此，无论从哪一点来看，均应将实施例看作是示范性的，而且是非限制性的，本发明的范围由所附权利要求而不是上述说明限定，因此旨在将落在权利要求的等同要件的含义和范围内的所有变化涵括在本发明内。不应将权利要求中的任何附关联图标记视为限制所涉及的权利要求。此外，显然“包括”一词不排除其他单元或步骤，单数不排除复数。系统权利要求中陈述的多个模块或系统也可以由一个模块或系统通过软件或者硬件来实现。第一，第二等词语用来表示名称，而并不表示任何特定的顺序。
最之后应说明的是，以上实施例仅用以说明本发明的技术方案而非限制，尽管参照较佳实施例对本发明进行了详细说明，本领域的普通技术人员应当理解，可以对本发明的技术方案进行修改或等同替换，而不脱离本发明技术方案的精神和范围。

Claims (10)

  1. 一种终端设备，所述终端设备包括有NFC芯片，其特征在于，所述终端设备还包括：
    至少两个NFC天线以及至少两个安全交易单元，其中每一个NFC天线对应一个安全交易单元。
  2. 如权利要求1所示的终端设备，其特征在于，所述至少两个NFC天线分别位于所述终端设备上的不同位置。
  3. 如权利要求1所示的终端设备，其特征在于，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
    或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
    或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
  4. 如权利要求3所示的终端设备，其特征在于，所述终端设备存储有一个交易路由关系表，用于存储NFC天线的ID与卡模拟交易路由目的地的对应关系。
  5. 一种交易路由识别方法，其特征在于，所述交易路由识别方法应用于如权利要求1所述的终端设备中，所述交易路由识别方法包括：
    在通过NFC天线接收到卡模拟交易信号时，确定接收所述卡模拟交易信号的NFC天线ID；
    根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地；及
    将所述卡模拟交易信息路由到目的地对应的安全交易单元中。
  6. 如权利要求5所述的交易路由识别方法，其特征在于，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
    或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
    或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
  7. 如权利要求5所示的交易路由识别方法，其特征在于，所述交易路由关系记录于交易路由关系表中，所述交易路由关系表存储有NFC天线的ID与卡模拟交易路由目的地的对应关系。
  8. 一种交易路由识别系统，其特征在于，所述交易路由识别系统运行于如权利要求1所述的终端设备中，所述交易路由识别系统包括：
    检测模块，设置为检测NFC天线的卡模拟交易信号；
    判断模块，设置为确定发送所述卡模拟交易信号的NFC天线并获取所述确定的NFC天线的ID；
    检索模块，设置为根据所述NFC天线的ID以及预设的交易路由关系检索相对应的卡模拟交易路由目的地；及
    路由模块，设置为将所述卡模拟交易信息路由到目的地对应的安全交易单元中。
  9. 如权利要求8所述的交易路由识别系统，其特征在于，所述至少两个安全交易单元分别包括一个主机系统或一个安全模块；
    或者所述至少两个安全交易单元分别包括至少两个SIM卡中的安全模块；
    或者所述至少两个安全交易单元分别包括一个普通域或一个安全域中的主机系统或安全模块。
  10. 如权利要求9所示的交易路由识别系统，其特征在于，所述交易路由关系记录于交易路由关系表中，所述交易路由关系表存储有NFC天线的ID与卡模拟交易路由目的地的对应关系。
PCT/CN2016/113430 2016-11-11 2016-12-30 交易路由识别方法及系统 Ceased WO2018086229A1 (zh)

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