WO2020073412A1 - 一种可扫码支付的电子卡片 - Google Patents

一种可扫码支付的电子卡片 Download PDF

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WO2020073412A1
WO2020073412A1 PCT/CN2018/115110 CN2018115110W WO2020073412A1 WO 2020073412 A1 WO2020073412 A1 WO 2020073412A1 CN 2018115110 W CN2018115110 W CN 2018115110W WO 2020073412 A1 WO2020073412 A1 WO 2020073412A1
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main control
control unit
code
payment
electronic card
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PCT/CN2018/115110
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English (en)
French (fr)
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张明
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深圳市融智联科技有限公司
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Publication of WO2020073412A1 publication Critical patent/WO2020073412A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Definitions

  • the utility model relates to the technical field of electronic cards, in particular to an electronic card that can be scanned for payment.
  • NFC near field communication
  • This traditional electronic card needs to be equipped with customized card swiping equipment, and the scope of use is also limited to the campus.
  • Traditional electronic cards require students to take the card to a designated device and swipe the card through NFC, so that the customized device obtains the information of the electronic card and interacts with related transaction data.
  • Scanning code payment is currently the most used consumption method of smart phones, but it has not entered the campus usage scenario. Since the traditional electronic card does not support scan code payment, it is restricted to use in scenarios outside the campus.
  • the present invention provides an electronic card that can be scanned for payment.
  • the utility model discloses an electronic card capable of scanning code payment, which comprises a housing, a main control unit, a security unit, and a Bluetooth antenna.
  • the main control unit and the security unit are arranged in the housing, and the Bluetooth
  • the antenna and the security module are both connected to the main control unit, the housing is provided with a display unit for displaying a dynamic payment code, and the display unit is connected to the main control unit.
  • the security unit is connected to the main control unit through an SPI (Serial Peripheral Interface) interface.
  • SPI Serial Peripheral Interface
  • the security unit includes an encryption and decryption algorithm module and a security data access space.
  • main control unit is connected to the display unit through an SPI interface.
  • the display unit includes an LCD display screen.
  • the whole casing has a rectangular structure.
  • the payment code includes a two-dimensional code or barcode for displaying various consumer payment scenarios.
  • the electronic card with a dynamic payment code of the present invention adds a dynamic payment code, which can be used to adapt to the usage scenarios on and off campus (including scan code consumption, etc.), At the same time, the payment code generation algorithm of multiple consumption scenarios is put into the card.
  • FIG. 1 is a schematic view of the appearance of an electronic card capable of scanning code payment according to an embodiment of the present invention.
  • FIG. 2 is a schematic diagram of the circuit module in FIG. 1.
  • an electronic card 1 capable of scanning code payment including a housing 10, a main control unit 20, a Bluetooth antenna 40, and a security module.
  • Security modules include various types of symmetric or asymmetric encryption and decryption algorithm modules and secure data access space.
  • the main control unit 20 is connected to the power supply unit and is provided in the housing 10.
  • the Bluetooth antenna 40 is connected to the main control unit 20.
  • the housing 10 is provided with a display unit 50 for displaying a dynamic payment code. Connected.
  • the main control unit 20 is connected to a two-dimensional code (or bar code) generation module and a display unit through an SPI interface.
  • the two-dimensional code generation module can also be highly integrated in the main control unit 20.
  • the product model of the QR code generation module can be: STM3280C51;
  • the product model of the safety module can be: AS01-ML01DP5;
  • the product model adopted by the main control unit 20 may be: nrf52832.
  • the display unit 50 is provided in the upper half of the housing 10, and a start part for starting the display of the dynamic payment code, such as one of the buttons 60, connected to the main control unit 20 is provided in the lower half of the housing 10.
  • the LCD displays a two-dimensional code (or bar code). The display screen will not be lit normally, and it will not be lit and the two-dimensional code (or bar code) pattern will be displayed until the use button 60 is pressed.
  • the power supply unit, the Bluetooth antenna 40, the security module, the display unit 50, and other modules and the button 60 are connected to the main control unit 20 through the SPI interface.
  • the display unit 50 includes an LCD display screen.
  • the casing 10 has a rectangular structure as a whole.
  • the LCD display has a rectangular structure.
  • the working principle of this product is: the two-dimensional code (or bar code) generation module is bound to the ID of the card.
  • the main control unit 20 receives the information and sends an instruction to the security module to generate payment data.
  • the security module generates After payment of the data, the data is immediately transmitted to the main control unit, and the main control unit issues an instruction to generate a two-dimensional code (or bar code) to the two-dimensional code (or bar code) generation module, and the two-dimensional code (or bar code) generation module generates dynamic information immediately
  • the payment code is transmitted to the main control unit.
  • the main control unit sends the two-dimensional code (or bar code) to the display unit 50 through the SPI interface for display. After the user scans the code, the service platform decrypts the payment data as the user's payment voucher or other Certificate.
  • QR codes or barcodes
  • the service platform decrypts the QR code (or barcode) information as the user's payment certificate.
  • the timeliness of the real-time QR code (or barcode) can be set through the service platform, for example: 5 seconds, if it exceeds 5 seconds, the instantly generated QR code (or barcode) becomes invalid, thereby effectively preventing the misuse of others by others Dimension codes (or bar codes) cause unnecessary losses.
  • the electronic card 1 has a Bluetooth module connected to the main control unit 20, and utilizes Bluetooth to interact with the mobile phone to realize the binding between the electronic card and the account system.
  • Bluetooth is also a widely used standard configuration for smartphones.
  • the traditional electronic card is restricted in its promotion in a wider area due to the use of interactive methods. Since the most common consumption scenarios of electronic cards cannot be networked at any time, traditional electronic cards can only use specific devices for transaction data interaction. Once out of the campus environment, these traditional e-cards cannot be used without the support of specific devices.
  • the purpose of the invention of the new dynamic payment code electronic card is to solve the constraints of the traditional electronic card.
  • the key technical features of the new dynamic payment code electronic card are:
  • the following figure describes the entire hardware framework, using a highly integrated main control chip, so that only the security module, Bluetooth antenna, LCD and battery are needed for the periphery.
  • the payment code generation algorithm can also be run on the main chip.
  • the electronic card with multiple dynamic payment codes of the present invention has multiple dynamic payment code generation algorithms to adapt to the use scenarios on and off campus (including scan code consumption) and many more).

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Telephone Function (AREA)

Abstract

一种可扫码支付的电子卡片（1），包括壳体（10）、主控单元、安全单元、蓝牙天线，所述的主控单元、安全单元设置于所述的壳体（10）内，所述的蓝牙天线及与安全模块均与所述的主控单元相连接，所述的壳体（10）上设置用于显示动态支付码的显示单元（50），所述的显示单元（50）与所述的主控单元相连接。所述电子卡片（1）支持多种消费支付场景的扫码方式，适应了扫码消费场景。

Description

一种可扫码支付的电子卡片 技术领域
本实用新型涉及电子卡片技术领域，特别涉及一种可扫码支付的电子卡片。
背景技术
传统电子卡片通过内置NFC(近场通信，near field communication)等非接触方式完成校园的打电话、食堂消费、小卖部购物等。这种传统电子卡片需要配套定制的刷卡设备，使用范围也局限在校园。传统电子卡片需要学生拿着卡到指定设备通过NFC等刷卡，这样定制设备获取到电子卡片的信息，进行相关交易数据交互。
扫码支付是目前智能手机使用最多的消费方式，但却没有进入校园使用场景。由于传统电子卡片不支持扫码支付，限制了它在校园外场景使用。
实用新型内容
为了解决以上问题，本实用新型提供一种可扫码支付的电子卡片。
本实用新型公开了一种可扫码支付的电子卡片，包括壳体、主控单元、安全单元、蓝牙天线，所述的主控单元及安全单元设置于所述的壳体内，所述的蓝牙天线及与安全模块均与所述的主控单元相连接，所述的壳体上设置用于显示动态支付码的显示单元，所述的显示单元与所述的主控单元相连接。
进一步地，所述的安全单元通过SPI(Serial Peripheral Interface，串行外设接口)接口连接所述的主控单元。
进一步地，所述的安全单元包括加解密算法模块及安全数据存取空间。
进一步地，所述的主控单元通过SPI接口连接所述的显示单元。
进一步地，所述的显示单元包括LCD显示屏。
进一步地，所述的壳体整体为矩形结构。
进一步地区性，所述的支付码包括用于显示多种消费支付场景的二维码或条形码。
实施本技术方案的具有多个动态支付码的电子卡片，具有以下的技术效果：
区别于现有技术中支付码没有进入校园使用场景的不足，本实用新型的具有动态支付码的电子卡片新增动态支付码，可用来适应校园内外的使用场景(包括扫码消费等等)，同时将多个消费场景的支付码生成算法放入卡片。
附图说明
为了清楚地说明本实用新型的实施例或技术方案，特使用附图作简单介绍。显而易见，下面描述中的附图仅仅是本实用新型的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动性的前提下，还可以根据这些附图获得其他的附图。
图1为本实用新型的实施例一种可扫码支付的电子卡片的外观结构示意图。
图2是图1内部的电路模块示意图。
具体实施方式
下面将结合本实用新型实施例中的附图，对本实用新型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实用新型一部分实施例，而不是全部的实施例。基于本实用新型中的实施例，本领域普通技术人员在没有作出创造性劳动前提下所获得的所有其他实施例，都属于本实用新型保护的范围。
请参阅图1及图2，本实用新型的实施例，一种可扫码支付的电子卡片1，包括壳体10、主控单元20、蓝牙天线40、安全模块。
安全模块包括各类对称或非对称加解密算法模块以及安全数据存取空间。
主控单元20连接供电单元，设置于壳体10内，蓝牙天线40与主控单元20相连接，壳体10上设置用于显示动态支付码的显示单元50，显示单元50与主控单元20相连接。
主控单元20通过SPI接口连接二维码(或条形码)生成模块、显示单元。
也可以高度集成二维码生成模块于主控单元20内。
二维码生成模块的产品型号可为：STM3280C51；
安全模块的产品型号可为：AS01-ML01DP5；
主控单元20采用的产品型号可为：nrf52832。
以上芯片均为常用的芯片并且具有辅助电路，故工作原理和过程不再赘述。
显示单元50设置于壳体10的上半部，在壳体10的下半部设置与主控单元20相连接的用于启动动态支付码显示的启动部件，如：按钮60中的一个按钮。LCD显示二维码(或条形码)，平时显示屏幕不会被点亮，直到按下使用按钮60时才会被点亮并显示二维码(或条形码)图案。
如图2所示，供电单元、蓝牙天线40、安全模块、显示单元50等模块及按钮60均通过SPI接口与主控单元20相连接。
显示单元50包括LCD显示屏。
壳体10整体为矩形结构。
LCD显示屏为矩形结构。
本产品的工作原理为：二维码(或条形码)生成模块与卡片的ID是绑定的，按下按钮，主控单元20收到了信息，向安全模块发出生成支付数据的指令，安全模块生成支付数据后即时将数据传输给主控单元，主控单元向二维码(或条形码)生成模块发出即时生成二维码(或条形码)的指令，二维码(或条形码)生成模块即时生成动态支付码并传输给主控单元，主控单元将二维码(或条形码)通过SPI接口发送到显示单元50进行显示，用户扫码后，服务平台解密后将支付数据作为用户的支付凭证或其它的凭证。
按下不同的按钮，提取不同的支付数据，生成不同的二维码(或条形码)，商家扫码后，服务平台解密该二维码(或条形码)信息作为用户的支付凭证。
可以通过服务平台设定该即时二维码(或条形码)的时效性，例如：5秒，若超过5秒，该即时生成的二维码(或条形码)失效，从而有效地防止被他人盗用二维码(或条形码)造成不必要的损失。
电子卡片1具有与主控单元20相连接的蓝牙模块，利用了蓝牙跟手机交互，实现电子卡片跟账户体系绑定。蓝牙也是使用广泛的智能手机标准配置。
传统电子卡片由于使用交互方式限制了它在更广泛领域推广。由于电子卡片最常用消费场景不能随时联网，导致传统电子卡片只能采用特定设备进行交易数据交互。一旦脱离校园环境，这些传统电子卡片在没有特定设备支持的情景里就无法使用。
新型动态支付码电子卡片的发明目的就是为了解决传统电子卡片的约束。
1.使用场景更丰富；
2.消费使用细节更容易掌握；
3.集成成熟技术消费者更容易适应。
新型动态支付码电子卡片关键技术特点在于：
支持动态支付码方式，这样适应了最大消费场景的二维码扫码消费场景，也兼容了绝大部分传统校园消费习惯；
采用基于时间唯一性的MFA(Multi-Factor Authentication)令牌，这样增加了账户安全；
支持蓝牙的智能手机绑定账户。
下图描述了整个硬件框架，选用高集成度的主控芯片，这样外围只需要安全模块、蓝牙天线、LCD和电池。
支付码生成算法也可集中在主芯片上运行。
实施本技术方案的具有动态支付码的电子卡片，具有以下的技术效果：
区别于现有技术中动态支付码没有进入校园使用场景的不足，本实用新型的具有多个动态支付码的电子卡片具有多个动态支付码生成算法来适应校园内外的使用场景(包括扫码消费等等)。
以上所述仅为本实用新型的较佳实施例而已，并不用以限制本实用新型的其他使用案例，凡在本实用新型的精神和原则之内所作的任何修改、等同替换、改进等，均应包含在本实用新型的保护范围之内。

Claims (7)

  1. 一种可扫码支付的电子卡片，包括壳体、主控单元、安全单元、蓝牙天线，所述的主控单元及安全单元设置于所述的壳体内，所述的蓝牙天线及与安全模块均与所述的主控单元相连接，其特征在于，所述的壳体上设置用于显示动态支付码的显示单元，所述的显示单元与所述的主控单元相连接。
  2. 根据权利要求1所述的电子卡片，其特征在于，所述的安全单元通过SPI接口连接所述的主控单元。
  3. 根据权利要求2所述的电子卡片，其特征在于，所述的安全单元包括加解密算法模块及安全数据存取空间。
  4. 根据权利要求1所述的电子卡片，其特征在于，所述的主控单元通过SPI接口连接所述的显示单元。
  5. 根据权利要求1所述的电子卡片，其特征在于，所述的显示单元包括LCD显示屏。
  6. 根据权利要求1所述的电子卡片，其特征在于，所述的壳体整体为矩形结构。
  7. 根据权利要求1所述的电子卡片，其特征在于，所述的支付码包括用于显示多种消费支付场景的二维码或条形码。
PCT/CN2018/115110 2018-10-09 2018-11-13 一种可扫码支付的电子卡片 WO2020073412A1 (zh)

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CN110322238B (zh) * 2019-08-28 2019-12-20 深圳市融纳海川科技有限公司 一种接收商家支付信息的方法、装置及系统
CN112990915A (zh) * 2019-12-13 2021-06-18 阿里巴巴集团控股有限公司 电子装置及数据处理方法

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CN106203586A (zh) * 2016-06-28 2016-12-07 北京华大领创智能科技有限公司 金融ic卡、支付系统及支付方法
CN106384146A (zh) * 2016-09-23 2017-02-08 北京华大智宝电子系统有限公司 金融ic卡、支付系统及支付方法
CN206378885U (zh) * 2016-11-14 2017-08-04 深圳市壹卡付科技有限公司 一种多卡合一的多功能壹卡支付卡

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN204143474U (zh) * 2014-07-08 2015-02-04 珠海市金邦达保密卡有限公司 一种金融ic卡
CN106203586A (zh) * 2016-06-28 2016-12-07 北京华大领创智能科技有限公司 金融ic卡、支付系统及支付方法
CN106384146A (zh) * 2016-09-23 2017-02-08 北京华大智宝电子系统有限公司 金融ic卡、支付系统及支付方法
CN206378885U (zh) * 2016-11-14 2017-08-04 深圳市壹卡付科技有限公司 一种多卡合一的多功能壹卡支付卡

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