WO2022227274A1 - Active video card supporting active/passive collection and payment functions - Google Patents

Active video card supporting active/passive collection and payment functions Download PDF

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Publication number
WO2022227274A1
WO2022227274A1 PCT/CN2021/104183 CN2021104183W WO2022227274A1 WO 2022227274 A1 WO2022227274 A1 WO 2022227274A1 CN 2021104183 W CN2021104183 W CN 2021104183W WO 2022227274 A1 WO2022227274 A1 WO 2022227274A1
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payment
module
transaction
active
display
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PCT/CN2021/104183
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French (fr)
Chinese (zh)
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杨斐霏
张新访
董逢华
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武汉天喻信息产业股份有限公司
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Publication of WO2022227274A1 publication Critical patent/WO2022227274A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
    • 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
    • G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
    • G06K7/14—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation using light without selection of wavelength, e.g. sensing reflected white light
    • G06K7/1404—Methods for optical code recognition
    • G06K7/1408—Methods for optical code recognition the method being specifically adapted for the type of code
    • G06K7/1417—2D bar codes

Definitions

  • the invention relates to the field of communications, in particular to an active visual card supporting active and passive payment and collection functions.
  • a smart card is a generic term for a card with a microchip embedded in it. Most smart cards contain a microelectronic chip, and the smart card needs to interact with other devices through a reader. With the continuous and in-depth development of the construction of the gold card project, smart cards have been widely used in many fields, and have achieved preliminary social and economic benefits.
  • smart cards are also involved in financial and other payment transaction fields.
  • the current smart cards used in payment transaction scenarios often only support one transaction scenario, resulting in a single application of smart cards in payment transaction scenarios.
  • the purpose of the present invention is to provide an active visual card that supports the function of active and passive collection and payment, which can meet the support of various payment transaction scenarios of the smart card.
  • the technical scheme adopted by the present invention is, including:
  • an NFC controller which is used to switch the transaction state of the active visual card, where the transaction state includes a card simulation state and a card reader state;
  • a keyboard module which is used to select the payment transaction mode, and enter the transaction type and transaction amount
  • Bluetooth module which is used for wireless connection and data transmission with external devices
  • Display module which is used to display transaction information, payment transaction mode and Bluetooth module MAC address;
  • the main controller is used to control the NFC controller to switch the transaction state based on the payment transaction mode command input by the keyboard module, and to drive the display module to display the transaction information and the MAC address of the Bluetooth module.
  • the transaction information includes transaction amount and account balance.
  • a security chip is also included, and the security chip is used for storing transaction information.
  • a power supply module is also included, and the power supply module is used for supplying power to the NFC controller, the keyboard module, the Bluetooth module, the display module, the main controller and the security chip.
  • the payment transaction mode includes a passive payment and collection mode, an active payment and collection mode, and a Bluetooth connection mode.
  • the keyboard module selects the passive payment mode displayed by the display module
  • the main controller controls the NFC controller to switch to a card simulation state based on the passive payment and payment mode selected by the keyboard module to perform payment and payment transactions with the POS machine, and obtain transaction information;
  • the security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
  • the keyboard module selects the active payment mode displayed by the display module
  • the keyboard module inputs the transaction type and the transaction amount
  • the main controller controls the NFC controller to switch to the card reader state based on the active payment mode selected by the keyboard module to communicate with other financial cards to obtain transaction information;
  • the security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
  • the keyboard module selects the Bluetooth connection mode displayed by the display module
  • the main controller drives the display module to display the MAC address of the Bluetooth module, so that after the smart device establishes a connection with the Bluetooth module based on the MAC address of the Bluetooth module, the main controller sends the transaction information stored in the security chip to the smart device through the Bluetooth module. equipment;
  • the smart device uploads transaction information to the server.
  • the MAC address of the Bluetooth module displayed by the display module is a two-dimensional code corresponding to the MAC address of the Bluetooth module.
  • the smart device establishes a connection with the Bluetooth module, specifically:
  • the display module displays the QR code of the MAC address of the Bluetooth module
  • the smart device scans the QR code displayed by the display module to obtain the MAC address of the Bluetooth module
  • the smart device Based on the obtained MAC address of the Bluetooth module, the smart device establishes a connection with the Bluetooth module.
  • the present invention has the advantages that the card transaction state is switched between the card simulation state and the card reader state through the NFC controller, so that the active visual card of the present invention can perform other financial cards. It can be read, and can be read by other transaction terminal devices. It supports passive collection and payment transaction scenarios and active collection and payment mode transaction scenarios, and meets the support of various payment transaction scenarios of smart cards.
  • FIG. 1 is a schematic structural diagram of an active video card supporting an active and passive payment function in an embodiment of the present invention.
  • the embodiment of the present invention provides an active visual card that supports active and passive payment and collection functions, and the card transaction state is switched between the card simulation state and the card reader state through the NFC controller, so that the active visual card of the present invention is It can not only read other financial cards, but also be read by other transaction terminal devices, supports passive payment and payment transaction scenarios and active payment and payment mode transaction scenarios, and meets the support of various payment transaction scenarios of smart cards.
  • an active visual card supporting active and passive payment and receipt functions includes an NFC (Near Field Communication) controller, a keyboard module, a Bluetooth module, a display modules, main controllers, security chips and power modules.
  • NFC Near Field Communication
  • the NFC controller is used to switch the transaction state of the active visual card.
  • the transaction state includes the card simulation state and the card reader state. Through the function of the NFC controller, the corresponding simulation is performed.
  • the active visual card of the present invention is equivalent to an ordinary financial card, and can conduct payment transactions with other transaction terminals, such as POS (Point of Sales, point of sale information management system) machines, etc.
  • POS Point of Sales, point of sale information management system
  • the present invention has The source video card is equivalent to a transaction terminal (such as a POS machine), which can conduct payment transactions with ordinary financial cards.
  • the keyboard module is used for the selection of payment transaction mode, and the input of transaction type and transaction amount;
  • the Bluetooth module is used for wireless connection and data transmission with external devices;
  • the display module is used to display transaction information, payment transaction mode and Bluetooth Module MAC address (physical address), transaction information includes transaction amount and account balance;
  • the main controller is used to control the NFC controller to switch transaction status based on the payment transaction mode command input by the keyboard module, and to drive the display module to perform transaction information And the display of the MAC address of the Bluetooth module.
  • the security chip is used for the storage of transaction information.
  • the power module is used to supply power to the NFC controller, keyboard module, Bluetooth module, display module, main controller and security chip, and the power module itself also supports charging.
  • the payment transaction mode includes a passive collection and payment mode, an active collection and payment mode, and a Bluetooth connection mode.
  • passive payment mode the keyboard module selects the passive payment mode displayed by the display module; the main controller controls the NFC controller to switch to the card simulation state based on the passive payment mode selected by the keyboard module to receive and pay with the POS machine
  • the transaction is performed to obtain transaction information; the security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
  • the main controller when the user needs to use the passive collection and payment mode, he can switch the menu options on the display module through the keyboard module, and select the passive payment and payment mode.
  • the main controller obtains the instruction input from the keyboard module, it controls the NFC controller to switch to the card.
  • the NFC controller acts as the card simulation state.
  • the active visual card communicates with the POS machine, obtains transaction information, and transmits the transaction information to the security chip through the main controller, and the security chip realizes the transaction process and related data storage in the card.
  • the security chip pushes transaction information such as transaction amount and balance to the main controller, and the main controller drives the display module to display the transaction information.
  • the keyboard module selects the active payment mode displayed by the display module; the keyboard module inputs the transaction type and transaction amount; the main controller controls the NFC controller to switch to the active payment mode based on the active payment mode selected by the keyboard module.
  • the card reader status communicates with other financial cards to obtain transaction information; the security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
  • the main controller obtains the instruction input from the keyboard module, it controls the NFC controller to switch to card reading. device mode.
  • the type of transaction such as small-value transaction, password-free transaction, etc.
  • the transaction amount are input through the keyboard module, and the NFC controller is used as the card reader.
  • Status communicate with the financial card, obtain transaction information, and transparently transmit the transaction information to the security chip through the main controller, and the security chip realizes the transaction process and related data storage in the card.
  • the security chip pushes data such as transaction status and transaction information to the main controller, and the main controller drives the display module to display the transaction information.
  • the keyboard module selects the Bluetooth connection mode displayed by the display module; the main controller drives the display module to display the Bluetooth module MAC address, so that after the smart device establishes a connection with the Bluetooth module based on the Bluetooth module MAC address, The main controller sends the transaction information stored in the security chip to the smart device through the Bluetooth module; the smart device uploads the transaction information to the server.
  • the MAC address of the Bluetooth module displayed by the display module is a two-dimensional code corresponding to the MAC address of the Bluetooth module.
  • the smart device establishes a connection with the Bluetooth module, specifically:
  • the display module displays the QR code of the MAC address of the Bluetooth module
  • the smart device scans the QR code displayed by the display module to obtain the MAC address of the Bluetooth module
  • the smart device Based on the obtained MAC address of the Bluetooth module, the smart device establishes a connection with the Bluetooth module.
  • the main controller when the user needs to use the Bluetooth network communication, he can switch the menu options on the display module through the keyboard module, and select the Bluetooth connection mode.
  • the main controller After the main controller obtains the instruction input by the keyboard module, it drives the display module to display the two-dimensional code pattern corresponding to the MAC address of the Bluetooth module.
  • the user only needs to scan the two-dimensional code pattern with a mobile phone or other networked smart device to obtain the MAC address of the Bluetooth module of the active visual card of the present invention, thereby realizing fast connection and binding.
  • the main controller can send the transaction information stored in the security chip to the mobile phone or other networked smart devices through the bluetooth module, and finally upload it to the server to realize data synchronization.
  • the active visual card supporting the active and passive payment function switches the card transaction state between the card simulation state and the card reader state through the NFC controller, so that the active visual card of the present invention can both It can read other financial cards and can be read by other transaction terminal devices, supports passive payment and payment transaction scenarios and active collection and payment mode transaction scenarios, and meets the support of various payment transaction scenarios of smart cards.

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Abstract

The present invention relates to the field of communications. Disclosed is an active video card supporting active/passive collection and payment functions. The active video card comprises an NFC controller, a keyboard module, a Bluetooth module, a display module and a main controller. The NFC controller is used to switch the transaction state of the active video card, the transaction state comprising a card simulation state and a card reader state; the keyboard module is used to select a payment transaction mode, as well as input of transaction type and transaction amount; the Bluetooth module is used for performing wireless connection and data transmission with an external device; the display module is used to display transaction information, payment transaction mode, and the MAC address of the Bluetooth module; the main controller is used to, on the basis of a payment transaction mode instruction inputted by the keyboard module, control the NFC controller to switch the transaction state, and drive the display module to display transaction information and the MAC address of the Bluetooth module. The present invention can enable a smart card to support various payment transaction scenarios.

Description

一种支持主被动收付款功能的有源可视卡An Active Visual Card Supporting Active and Passive Collection and Payment Functions 技术领域technical field
本发明涉及通讯领域，具体涉及一种支持主被动收付款功能的有源可视卡。The invention relates to the field of communications, in particular to an active visual card supporting active and passive payment and collection functions.
背景技术Background technique
智能卡是内嵌有微芯片的卡片的通称。大多数智能卡包含一个微电子芯片，智能卡需要通过读写器与其它设备进行数据交互。随着金卡工程建设的不断深入发展，智能卡已在众多领域获得广泛应用，并取得了初步的社会效益和经济效益。A smart card is a generic term for a card with a microchip embedded in it. Most smart cards contain a microelectronic chip, and the smart card needs to interact with other devices through a reader. With the continuous and in-depth development of the construction of the gold card project, smart cards have been widely used in many fields, and have achieved preliminary social and economic benefits.
同时，智能卡也涉及到了金融等支付交易领域，但是，当前用于支付交易场景的智能卡，往往只能支持一种交易场景，从而导致出现智能卡在支付交易场景的应用单一问题。At the same time, smart cards are also involved in financial and other payment transaction fields. However, the current smart cards used in payment transaction scenarios often only support one transaction scenario, resulting in a single application of smart cards in payment transaction scenarios.
发明内容SUMMARY OF THE INVENTION
针对现有技术中存在的缺陷，本发明的目的在于提供一种支持主被动收付款功能的有源可视卡，能够满足智能卡的多种支付交易场景支持。In view of the defects existing in the prior art, the purpose of the present invention is to provide an active visual card that supports the function of active and passive collection and payment, which can meet the support of various payment transaction scenarios of the smart card.
为达到以上目的，本发明采取的技术方案是，包括：In order to achieve the above purpose, the technical scheme adopted by the present invention is, including:
NFC控制器，其用于对所述有源可视卡的交易状态进行切换，所述交易状态包括卡模拟状态和读卡器状态；an NFC controller, which is used to switch the transaction state of the active visual card, where the transaction state includes a card simulation state and a card reader state;
键盘模组，其用于进行支付交易模式的选择，以及交易类型和交易金额的输入；A keyboard module, which is used to select the payment transaction mode, and enter the transaction type and transaction amount;
蓝牙模组，其用于与外部设备进行无线连接和数据传输；Bluetooth module, which is used for wireless connection and data transmission with external devices;
显示模组，其用于显示交易信息、支付交易模式和蓝牙模组MAC地址；Display module, which is used to display transaction information, payment transaction mode and Bluetooth module MAC address;
主控制器，其用于基于键盘模组输入的支付交易模式指令控制NFC控制器进行交易状态的切换，以及驱动显示模组进行交易信息和蓝牙模组MAC地址的显示。The main controller is used to control the NFC controller to switch the transaction state based on the payment transaction mode command input by the keyboard module, and to drive the display module to display the transaction information and the MAC address of the Bluetooth module.
在上述技术方案的基础上，所述交易信息包括交易金额和账户余额。Based on the above technical solution, the transaction information includes transaction amount and account balance.
在上述技术方案的基础上，还包括安全芯片，所述安全芯片用于进行交易信息的存储。On the basis of the above technical solution, a security chip is also included, and the security chip is used for storing transaction information.
在上述技术方案的基础上，还包括电源模组，所述电源模组用于对NFC控制器、键盘模组、蓝牙模组、显示模组、主控制器和安全芯片进行供电。On the basis of the above technical solution, a power supply module is also included, and the power supply module is used for supplying power to the NFC controller, the keyboard module, the Bluetooth module, the display module, the main controller and the security chip.
在上述技术方案的基础上，所述支付交易模式包括被动收付款模式、主动收付款模式和蓝牙连接模式。On the basis of the above technical solutions, the payment transaction mode includes a passive payment and collection mode, an active payment and collection mode, and a Bluetooth connection mode.
在上述技术方案的基础上，被动收付款模式下：On the basis of the above technical solutions, in the passive collection and payment mode:
所述键盘模组选择显示模组显示的被动收付款模式；The keyboard module selects the passive payment mode displayed by the display module;
所述主控制器基于键盘模组选择的被动收付款模式，控制NFC控制器切换为卡模拟状态以与POS机进行收付款交易，得到交易信息；The main controller controls the NFC controller to switch to a card simulation state based on the passive payment and payment mode selected by the keyboard module to perform payment and payment transactions with the POS machine, and obtain transaction information;
所述安全芯片对得到的交易信息进行存储，并将交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。The security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
在上述技术方案的基础上，主动收付款模式下：On the basis of the above technical solutions, under the mode of active collection and payment:
所述键盘模组选择显示模组显示的主动收付款模式；The keyboard module selects the active payment mode displayed by the display module;
所述键盘模组输入交易类型和交易金额；The keyboard module inputs the transaction type and the transaction amount;
所述主控制器基于键盘模组选择的主动收付款模式，控制NFC 控制器切换为读卡器状态以与其它金融卡进行通讯，得到交易信息；The main controller controls the NFC controller to switch to the card reader state based on the active payment mode selected by the keyboard module to communicate with other financial cards to obtain transaction information;
所述安全芯片对得到的交易信息进行存储，并将交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。The security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
在上述技术方案的基础上，蓝牙连接模式下：On the basis of the above technical solutions, in the Bluetooth connection mode:
所述键盘模组选择显示模组显示的蓝牙连接模式；The keyboard module selects the Bluetooth connection mode displayed by the display module;
所述主控制器驱动显示模组显示蓝牙模组MAC地址，以使智能设备基于蓝牙模组MAC地址与蓝牙模组建立连接后，主控制器通过蓝牙模组发送安全芯片存储的交易信息至智能设备；The main controller drives the display module to display the MAC address of the Bluetooth module, so that after the smart device establishes a connection with the Bluetooth module based on the MAC address of the Bluetooth module, the main controller sends the transaction information stored in the security chip to the smart device through the Bluetooth module. equipment;
智能设备上传交易信息至服务器。The smart device uploads transaction information to the server.
在上述技术方案的基础上，所述显示模组显示的蓝牙模组MAC地址，为蓝牙模组的MAC地址对应的二维码。Based on the above technical solution, the MAC address of the Bluetooth module displayed by the display module is a two-dimensional code corresponding to the MAC address of the Bluetooth module.
在上述技术方案的基础上，智能设备与蓝牙模组建立连接，具体为：On the basis of the above technical solutions, the smart device establishes a connection with the Bluetooth module, specifically:
显示模组显示蓝牙模组MAC地址的二维码；The display module displays the QR code of the MAC address of the Bluetooth module;
智能设备扫描显示模组显示的二维码，得到蓝牙模组MAC地址；The smart device scans the QR code displayed by the display module to obtain the MAC address of the Bluetooth module;
基于得到的蓝牙模组MAC地址，智能设备与蓝牙模组建立连接。Based on the obtained MAC address of the Bluetooth module, the smart device establishes a connection with the Bluetooth module.
与现有技术相比，本发明的优点在于：通过NFC控制器对卡交易状态在卡模拟状态和读卡器状态间进行切换，使得本发明的有源可视卡既能对其它金融卡进行读取，又能被其它交易终端设备进行读取，支持被动收付款交易场景和主动收付款模式交易场景，满足智能卡的多种支付交易场景支持。Compared with the prior art, the present invention has the advantages that the card transaction state is switched between the card simulation state and the card reader state through the NFC controller, so that the active visual card of the present invention can perform other financial cards. It can be read, and can be read by other transaction terminal devices. It supports passive collection and payment transaction scenarios and active collection and payment mode transaction scenarios, and meets the support of various payment transaction scenarios of smart cards.
附图说明Description of drawings
为了更清楚地说明本申请实施例中的技术方案，下面将对实施例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申请的一些实施例，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他的附图。In order to illustrate the technical solutions in the embodiments of the present application more clearly, the following briefly introduces the drawings that are used in the description of the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. For those of ordinary skill in the art, other drawings can also be obtained from these drawings without creative effort.
图1为本发明实施例中一种支持主被动收付款功能的有源可视卡的结构示意图。FIG. 1 is a schematic structural diagram of an active video card supporting an active and passive payment function in an embodiment of the present invention.
具体实施方式Detailed ways
本发明实施例提供一种支持主被动收付款功能的有源可视卡，通过NFC控制器对卡交易状态在卡模拟状态和读卡器状态间进行切换，使得本发明的有源可视卡既能对其它金融卡进行读取，又能被其它交易终端设备进行读取，支持被动收付款交易场景和主动收付款模式交易场景，满足智能卡的多种支付交易场景支持。The embodiment of the present invention provides an active visual card that supports active and passive payment and collection functions, and the card transaction state is switched between the card simulation state and the card reader state through the NFC controller, so that the active visual card of the present invention is It can not only read other financial cards, but also be read by other transaction terminal devices, supports passive payment and payment transaction scenarios and active payment and payment mode transaction scenarios, and meets the support of various payment transaction scenarios of smart cards.
为使本申请实施例的目的、技术方案和优点更加清楚，下面将结合本申请实施例中的附图，对本申请实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本申请的一部分实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动的前提下所获得的所有其他实施例，都属于本申请保护的范围。In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be described clearly and completely below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, but not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of the present application.
参见图1所示，本发明实施例提供的一种支持主被动收付款功能的有源可视卡，包括NFC(Near Field Communication，近场通信)控制器、键盘模组、蓝牙模组、显示模组、主控制器、安全芯片和电源模组。Referring to FIG. 1, an active visual card supporting active and passive payment and receipt functions provided by an embodiment of the present invention includes an NFC (Near Field Communication) controller, a keyboard module, a Bluetooth module, a display modules, main controllers, security chips and power modules.
NFC控制器用于对所述有源可视卡的交易状态进行切换，交易状态包括卡模拟状态和读卡器状态，通过NFC控制器的作用，进行相应的模拟，在卡模拟状态下，此时本发明的有源可视卡相当于普通的金融卡，能够与其它交易终端，如POS(Pointofsales，销售点情报管理系统)机等进行支付交易，在读卡器状态下，此时本发明的有源可视卡相当于交易终端(如POS机)，可与普通的金融卡进行支付交 易。The NFC controller is used to switch the transaction state of the active visual card. The transaction state includes the card simulation state and the card reader state. Through the function of the NFC controller, the corresponding simulation is performed. In the card simulation state, at this time The active visual card of the present invention is equivalent to an ordinary financial card, and can conduct payment transactions with other transaction terminals, such as POS (Point of Sales, point of sale information management system) machines, etc. In the state of the card reader, the present invention has The source video card is equivalent to a transaction terminal (such as a POS machine), which can conduct payment transactions with ordinary financial cards.
键盘模组用于进行支付交易模式的选择，以及交易类型和交易金额的输入；蓝牙模组用于与外部设备进行无线连接和数据传输；显示模组用于显示交易信息、支付交易模式和蓝牙模组MAC地址(物理地址)，交易信息包括交易金额和账户余额；主控制器用于基于键盘模组输入的支付交易模式指令控制NFC控制器进行交易状态的切换，以及驱动显示模组进行交易信息和蓝牙模组MAC地址的显示。安全芯片用于进行交易信息的存储。电源模组用于对NFC控制器、键盘模组、蓝牙模组、显示模组、主控制器和安全芯片进行供电，同时电源模组本身还支持充电。The keyboard module is used for the selection of payment transaction mode, and the input of transaction type and transaction amount; the Bluetooth module is used for wireless connection and data transmission with external devices; the display module is used to display transaction information, payment transaction mode and Bluetooth Module MAC address (physical address), transaction information includes transaction amount and account balance; the main controller is used to control the NFC controller to switch transaction status based on the payment transaction mode command input by the keyboard module, and to drive the display module to perform transaction information And the display of the MAC address of the Bluetooth module. The security chip is used for the storage of transaction information. The power module is used to supply power to the NFC controller, keyboard module, Bluetooth module, display module, main controller and security chip, and the power module itself also supports charging.
本发明实施例中支付交易模式包括被动收付款模式、主动收付款模式和蓝牙连接模式。被动收付款模式下：键盘模组选择显示模组显示的被动收付款模式；主控制器基于键盘模组选择的被动收付款模式，控制NFC控制器切换为卡模拟状态以与POS机进行收付款交易，得到交易信息；安全芯片对得到的交易信息进行存储，并将交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。In the embodiment of the present invention, the payment transaction mode includes a passive collection and payment mode, an active collection and payment mode, and a Bluetooth connection mode. In passive payment mode: the keyboard module selects the passive payment mode displayed by the display module; the main controller controls the NFC controller to switch to the card simulation state based on the passive payment mode selected by the keyboard module to receive and pay with the POS machine The transaction is performed to obtain transaction information; the security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
即当用户需要使用被动收付款模式时，可通过键盘模组切换显示模组上的菜单选项，选择被动收付款模式，主控制器获取键盘模组输入的指令后，控制NFC控制器切换为卡模拟模式，此时用户持卡与POS机进行收付款交易时，NFC控制器作为卡模拟状态。有源可视卡与POS机进行通讯，得到交易信息，并将交易信息通过主控制器传输给安全芯片，由安全芯片实现卡内的交易流程以及相关数据存储。交易完成后，安全芯片将交易金额及余额等交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。That is, when the user needs to use the passive collection and payment mode, he can switch the menu options on the display module through the keyboard module, and select the passive payment and payment mode. After the main controller obtains the instruction input from the keyboard module, it controls the NFC controller to switch to the card. In the simulation mode, when the user holds the card and carries out the payment transaction with the POS machine, the NFC controller acts as the card simulation state. The active visual card communicates with the POS machine, obtains transaction information, and transmits the transaction information to the security chip through the main controller, and the security chip realizes the transaction process and related data storage in the card. After the transaction is completed, the security chip pushes transaction information such as transaction amount and balance to the main controller, and the main controller drives the display module to display the transaction information.
主动收付款模式下：键盘模组选择显示模组显示的主动收付款模 式；键盘模组输入交易类型和交易金额；主控制器基于键盘模组选择的主动收付款模式，控制NFC控制器切换为读卡器状态以与其它金融卡进行通讯，得到交易信息；安全芯片对得到的交易信息进行存储，并将交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。In the active payment mode: the keyboard module selects the active payment mode displayed by the display module; the keyboard module inputs the transaction type and transaction amount; the main controller controls the NFC controller to switch to the active payment mode based on the active payment mode selected by the keyboard module. The card reader status communicates with other financial cards to obtain transaction information; the security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
即当用户需要使用主动收付款模式时，通过键盘模组切换显示模组上的菜单选项，选择主动收付款模式，主控制器获取键盘模组输入的指令后，控制NFC控制器切换为读卡器模式。用户持本发明的有源可视卡与金融卡进行收付款交易时，通过键盘模组输入需要交易的类型(如小额交易、免密交易等)以及交易金额，NFC控制器作为读卡器状态，与金融卡进行通讯，得到交易信息，并将交易信息通过主控制器透传给安全芯片，由安全芯片实现卡内的交易流程以及相关数据存储。交易完成后，安全芯片将交易状态及交易信息等数据推送给主控制器，主控制器驱动显示模组显示交易信息。That is, when the user needs to use the active payment mode, switch the menu options on the display module through the keyboard module, and select the active payment mode. After the main controller obtains the instruction input from the keyboard module, it controls the NFC controller to switch to card reading. device mode. When the user holds the active visual card of the present invention and the financial card for payment transactions, the type of transaction (such as small-value transaction, password-free transaction, etc.) and the transaction amount are input through the keyboard module, and the NFC controller is used as the card reader. Status, communicate with the financial card, obtain transaction information, and transparently transmit the transaction information to the security chip through the main controller, and the security chip realizes the transaction process and related data storage in the card. After the transaction is completed, the security chip pushes data such as transaction status and transaction information to the main controller, and the main controller drives the display module to display the transaction information.
蓝牙连接模式下：键盘模组选择显示模组显示的蓝牙连接模式；主控制器驱动显示模组显示蓝牙模组MAC地址，以使智能设备基于蓝牙模组MAC地址与蓝牙模组建立连接后，主控制器通过蓝牙模组发送安全芯片存储的交易信息至智能设备；智能设备上传交易信息至服务器。In the Bluetooth connection mode: the keyboard module selects the Bluetooth connection mode displayed by the display module; the main controller drives the display module to display the Bluetooth module MAC address, so that after the smart device establishes a connection with the Bluetooth module based on the Bluetooth module MAC address, The main controller sends the transaction information stored in the security chip to the smart device through the Bluetooth module; the smart device uploads the transaction information to the server.
本发明实施例中，显示模组显示的蓝牙模组MAC地址，为蓝牙模组的MAC地址对应的二维码。智能设备与蓝牙模组建立连接，具体为：In the embodiment of the present invention, the MAC address of the Bluetooth module displayed by the display module is a two-dimensional code corresponding to the MAC address of the Bluetooth module. The smart device establishes a connection with the Bluetooth module, specifically:
A：显示模组显示蓝牙模组MAC地址的二维码；A: The display module displays the QR code of the MAC address of the Bluetooth module;
B：智能设备扫描显示模组显示的二维码，得到蓝牙模组MAC地址；B: The smart device scans the QR code displayed by the display module to obtain the MAC address of the Bluetooth module;
C：基于得到的蓝牙模组MAC地址，智能设备与蓝牙模组建立连接。C: Based on the obtained MAC address of the Bluetooth module, the smart device establishes a connection with the Bluetooth module.
即当用户需要使用蓝牙联网通讯时，可通过键盘模组切换显示模组上的菜单选项，选择蓝牙连接模式。主控制器获取键盘模组输入的指令后，驱动显示模组显示蓝牙模组MAC地址对应的二维码图案。用户只需要用手机或其它联网智能设备扫描二维码图案便可获取本发明有源可视卡的蓝牙模组MAC地址，实现快速连接绑定。蓝牙连接后，主控制器可将安全芯片内存储的交易信息通过蓝牙模组发送给手机或其它联网智能设备并最终上传至服务器，实现数据同步。That is, when the user needs to use the Bluetooth network communication, he can switch the menu options on the display module through the keyboard module, and select the Bluetooth connection mode. After the main controller obtains the instruction input by the keyboard module, it drives the display module to display the two-dimensional code pattern corresponding to the MAC address of the Bluetooth module. The user only needs to scan the two-dimensional code pattern with a mobile phone or other networked smart device to obtain the MAC address of the Bluetooth module of the active visual card of the present invention, thereby realizing fast connection and binding. After the bluetooth connection, the main controller can send the transaction information stored in the security chip to the mobile phone or other networked smart devices through the bluetooth module, and finally upload it to the server to realize data synchronization.
本发明实施例的支持主被动收付款功能的有源可视卡，通过NFC控制器对卡交易状态在卡模拟状态和读卡器状态间进行切换，使得本发明的有源可视卡既能对其它金融卡进行读取，又能被其它交易终端设备进行读取，支持被动收付款交易场景和主动收付款模式交易场景，满足智能卡的多种支付交易场景支持。The active visual card supporting the active and passive payment function according to the embodiment of the present invention switches the card transaction state between the card simulation state and the card reader state through the NFC controller, so that the active visual card of the present invention can both It can read other financial cards and can be read by other transaction terminal devices, supports passive payment and payment transaction scenarios and active collection and payment mode transaction scenarios, and meets the support of various payment transaction scenarios of smart cards.
以上所述仅是本申请的具体实施方式，使本领域技术人员能够理解或实现本申请。对这些实施例的多种修改对本领域的技术人员来说将是显而易见的，本文中所定义的一般原理可以在不脱离本申请的精神或范围的情况下，在其它实施例中实现。因此，本申请将不会被限制于本文所示的这些实施例，而是要符合与本文所申请的原理和新颖特点相一致的最宽的范围。The above descriptions are only specific embodiments of the present application, so that those skilled in the art can understand or implement the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, this application is not intended to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features claimed herein.
本发明是参照根据本发明实施例的方法、设备(系统)和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备 的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each process and/or block in the flowchart illustrations and/or block diagrams, and combinations of processes and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to the processor of a general purpose computer, special purpose computer, embedded processor or other programmable data processing device to produce a machine such that the instructions executed by the processor of the computer or other programmable data processing device produce Means for implementing the functions specified in a flow or flow of a flowchart and/or a block or blocks of a block diagram.

Claims (10)

  1. 一种支持主被动收付款功能的有源可视卡，其特征在于，包括：An active visual card supporting active and passive collection and payment functions, characterized in that it includes:
    NFC控制器，其用于对所述有源可视卡的交易状态进行切换，所述交易状态包括卡模拟状态和读卡器状态；an NFC controller, which is used to switch the transaction state of the active visual card, where the transaction state includes a card simulation state and a card reader state;
    键盘模组，其用于进行支付交易模式的选择，以及交易类型和交易金额的输入；A keyboard module, which is used to select the payment transaction mode, and enter the transaction type and transaction amount;
    蓝牙模组，其用于与外部设备进行无线连接和数据传输；Bluetooth module, which is used for wireless connection and data transmission with external devices;
    显示模组，其用于显示交易信息、支付交易模式和蓝牙模组MAC地址；Display module, which is used to display transaction information, payment transaction mode and Bluetooth module MAC address;
    主控制器，其用于基于键盘模组输入的支付交易模式指令控制NFC控制器进行交易状态的切换，以及驱动显示模组进行交易信息和蓝牙模组MAC地址的显示。The main controller is used to control the NFC controller to switch the transaction state based on the payment transaction mode command input by the keyboard module, and to drive the display module to display the transaction information and the MAC address of the Bluetooth module.
  2. 如权利要求1所述的一种支持主被动收付款功能的有源可视卡，其特征在于：所述交易信息包括交易金额和账户余额。The active visual card supporting active and passive collection and payment functions according to claim 1, wherein the transaction information includes transaction amount and account balance.
  3. 如权利要求1所述的一种支持主被动收付款功能的有源可视卡，其特征在于：还包括安全芯片，所述安全芯片用于进行交易信息的存储。The active visual card supporting active and passive payment and collection functions according to claim 1, further comprising a security chip, wherein the security chip is used for storing transaction information.
  4. 如权利要求3所述的一种支持主被动收付款功能的有源可视卡，其特征在于：还包括电源模组，所述电源模组用于对NFC控制器、键盘模组、蓝牙模组、显示模组、主控制器和安全芯片进行供电。The active visual card supporting active and passive payment and collection functions according to claim 3, further comprising a power module, the power module is used for NFC controller, keyboard module, Bluetooth module Group, display module, main controller and security chip for power supply.
  5. 如权利要求3所述的一种支持主被动收付款功能的有源可视卡，其特征在于：所述支付交易模式包括被动收付款模式、主动收付款模式和蓝牙连接模式。The active visual card supporting active and passive payment and collection functions as claimed in claim 3, wherein the payment transaction modes include passive collection and payment modes, active collection and payment modes and Bluetooth connection modes.
  6. 如权利要求5所述的一种支持主被动收付款功能的有源可视 卡，其特征在于，被动收付款模式下：A kind of active visual card supporting active and passive collection and payment functions as claimed in claim 5, is characterized in that, under passive collection and payment mode:
    所述键盘模组选择显示模组显示的被动收付款模式；The keyboard module selects the passive payment mode displayed by the display module;
    所述主控制器基于键盘模组选择的被动收付款模式，控制NFC控制器切换为卡模拟状态以与POS机进行收付款交易，得到交易信息；The main controller controls the NFC controller to switch to a card simulation state based on the passive payment and payment mode selected by the keyboard module to perform payment and payment transactions with the POS machine, and obtain transaction information;
    所述安全芯片对得到的交易信息进行存储，并将交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。The security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
  7. 如权利要求5所述的一种支持主被动收付款功能的有源可视卡，其特征在于，主动收付款模式下：A kind of active visual card supporting active and passive collection and payment functions as claimed in claim 5, is characterized in that, under active collection and payment mode:
    所述键盘模组选择显示模组显示的主动收付款模式；The keyboard module selects the active payment mode displayed by the display module;
    所述键盘模组输入交易类型和交易金额；The keyboard module inputs the transaction type and the transaction amount;
    所述主控制器基于键盘模组选择的主动收付款模式，控制NFC控制器切换为读卡器状态以与其它金融卡进行通讯，得到交易信息；The main controller controls the NFC controller to switch to the card reader state based on the active payment mode selected by the keyboard module to communicate with other financial cards to obtain transaction information;
    所述安全芯片对得到的交易信息进行存储，并将交易信息推送给主控制器，主控制器驱动显示模组显示交易信息。The security chip stores the obtained transaction information, and pushes the transaction information to the main controller, which drives the display module to display the transaction information.
  8. 如权利要求5所述的一种支持主被动收付款功能的有源可视卡，其特征在于，蓝牙连接模式下：A kind of active visual card supporting active and passive payment function as claimed in claim 5, it is characterized in that, under bluetooth connection mode:
    所述键盘模组选择显示模组显示的蓝牙连接模式；The keyboard module selects the Bluetooth connection mode displayed by the display module;
    所述主控制器驱动显示模组显示蓝牙模组MAC地址，以使智能设备基于蓝牙模组MAC地址与蓝牙模组建立连接后，主控制器通过蓝牙模组发送安全芯片存储的交易信息至智能设备；The main controller drives the display module to display the MAC address of the Bluetooth module, so that after the smart device establishes a connection with the Bluetooth module based on the MAC address of the Bluetooth module, the main controller sends the transaction information stored in the security chip to the smart device through the Bluetooth module. equipment;
    智能设备上传交易信息至服务器。The smart device uploads transaction information to the server.
  9. 如权利要求8所述的一种支持主被动收付款功能的有源可视卡，其特征在于：所述显示模组显示的蓝牙模组MAC地址，为蓝牙模组的MAC地址对应的二维码。The active video card supporting active and passive payment and collection functions as claimed in claim 8, wherein the MAC address of the Bluetooth module displayed by the display module is a two-dimensional image corresponding to the MAC address of the Bluetooth module. code.
  10. 如权利要求9所述的一种支持主被动收付款功能的有源可视卡，其特征在于，智能设备与蓝牙模组建立连接，具体为：A kind of active video card supporting active and passive payment function as claimed in claim 9, it is characterized in that, the intelligent device establishes connection with the bluetooth module, is specifically:
    显示模组显示蓝牙模组MAC地址的二维码；The display module displays the QR code of the MAC address of the Bluetooth module;
    智能设备扫描显示模组显示的二维码，得到蓝牙模组MAC地址；The smart device scans the QR code displayed by the display module to obtain the MAC address of the Bluetooth module;
    基于得到的蓝牙模组MAC地址，智能设备与蓝牙模组建立连接。Based on the obtained MAC address of the Bluetooth module, the smart device establishes a connection with the Bluetooth module.
PCT/CN2021/104183 2021-04-28 2021-07-02 Active video card supporting active/passive collection and payment functions WO2022227274A1 (en)

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