CN101201947A - Multifunctional EC card as well as method for machine card separation payment and energy consumption control thereof - Google Patents
Multifunctional EC card as well as method for machine card separation payment and energy consumption control thereof Download PDFInfo
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Abstract
The invention discloses a multifunctional e-commerce card, a machine-card separation payment method and a power consumption control method thereof. The multifunctional e-commerce card is allowed to be independent from a mobile termination, by matching with which varied safe mobile electronic payment can be realized. The multifunctional e-commerce card can be used as an electronic payment card, varied member cards, an RFID reader and writer, etc., so as to reduce the cost and solve universal problems. The invention essentially comprises a system management module, a mainframe communication interface module, a near field communication module and an intelligent card control module, wherein, the system management module is mainly used for coordinating communication between other modules and the mainframe communication interface module is used for communicating with the mobile termination. A non-contact interface module is used for treating non-contact near field communication and changing data with a payment termination, and the intelligent card control module is used for treating data storage, reading, writing, encryption and decryption of varied electronic payment cards and making non-contact communication with the payment termination under the control of the near field communication module.
Description
Technical field
The present invention relates to a kind of mobile e-business card, relate in particular to a kind of multifunctional electric commerce card that is independent of portable terminals such as mobile phone, PDA, notebook computer.The invention still further relates to a kind of described multifunctional electric commerce card separation between machine and card method of payment and described separation between machine and card formula multifunctional electric commerce card is used the method for electric control.
Background technology
At present, mobile payment mainly contains following two kinds of implementations:
First kind is to adopt built-in special transaction chip in as portable terminals such as mobile phone, PDA, and carry based on short message and to carry out account balance inquiry, small amount payment by the transfer of account (as the government utility charge, order receiving paper etc.), this implementation function is limited, only be fit to carry out the payment of the little amount of money, and the security of transaction is difficult to be guaranteed fully.
Second method can be with reference to PHILIPS Co. shown in Figure 1 proposes carry out cellular handset and NFC technology in conjunction with the hardware structure diagram of realizing mobile payment, this method is by built-in NFC chip and intelligent card chip on portable terminal, thereby realization can be carried out connectionless E-Payment function by the NFC interfacing.Though this mobile payment mode has solved the safety issue of transaction to a certain extent, but the user still must be equipped with special portable terminal, and consider that most of users have been equipped with the portable terminal (as mobile phone, PDA, notebook computer etc.) with general processing capacity in the actual life, therefore this implementation has caused the waste on the resource to a certain extent, cost is higher and use underaction, is difficult to realize popularizing.And, if the portable terminal of built-in NFC chip and intelligent card chip damages or needs repairing, also will bring the danger of great inconvenience and data leakage to the user.
Summary of the invention
Technical matters to be solved by this invention provides a kind of multifunctional electric commerce card, can realize the means of payment of separation between machine and card formula, can be under the prerequisite of not transforming portable terminal hardware, realize various safe mobile E-Payments by being used with described portable terminal, avoid the wasting of resources, thereby solve the problem of popularization.The present invention also provides a kind of separation between machine and card method of payment of multifunctional electric commerce card to reach the method for described multifunctional electric commerce card being used electric control for this reason.
For solving the problems of the technologies described above, the invention provides a kind of multifunctional electric commerce card, comprising: system management module, host communication interface module, noncontact interface module and intelligent card control module;
Described system management module is responsible for coordinating communicating by letter between described host communication interface module, noncontact interface module and intelligent card control module;
Described host communication interface module is used for communicating with portable terminal;
Described noncontact interface module is used to handle contactless near-field communication; The equipment of supporting the payment terminal of ISO14443, ISO18092 and MIFARE Classic agreement with noncontact or having a near field communication interface carries out exchanges data;
Described intelligent card control module is used to handle the function of data storage, read-write and the encrypting and decrypting of various electronic payment cards; Under the control of described near-field communication module, carry out contactless communication with payment terminal.
The present invention also provides a kind of separation between machine and card method of payment of multifunctional electric commerce card, adopts Bluetooth Communication Technology or serial communication interface technology and portable terminal to communicate, and obtains order and payment data are set.
The present invention also provides a kind of method of described multifunctional electric commerce card being used electric control, with host communication interface module in the described multifunctional electric commerce card and noncontact interface module is main controlled device, by system management module the duty of described host communication interface module and noncontact interface module is monitored, wherein said host communication interface module is the blue tooth interface module;
If described system management module monitors described host communication interface module and receives the setting of using power mode or revise order from portable terminal, then be set to use accordingly power mode by this host communication interface module of LMP Link Manager Protocol;
If monitoring described host communication interface module, described system management module is being in idle condition above in the period of very first time length always, after then the warp-wise portable terminal is confirmed, be set to dormant state by the described host communication interface module of LMP Link Manager Protocol;
Be in idle condition if described system management module monitors described noncontact interface module above in the period of second time span always, then sending signal and make it enter deep sleep to described noncontact interface module.
The present invention is owing to adopted technique scheme, has such beneficial effect, promptly, can be used as electronic payment card, member card, electronic coupons and RFID (radio-frequency (RF) identification) read write line etc. by built-in system control module, host communication interface module, noncontact interface module and smart card module; Though multifunctional electric commerce card of the present invention need be used with portable terminal, but be independent of described portable terminal, and therefore realized the means of payment of separation between machine and card formula, avoided the waste on the resource to a certain extent, thereby reduced cost, solved the popularization problem; And, therefore can not bring any influence, thereby avoid bringing various inconvenience to the user to other uses of portable terminal because multifunctional electric commerce card of the present invention and portable terminal are separated from each other.
Description of drawings
The present invention is further detailed explanation below in conjunction with the drawings and specific embodiments:
In Fig. 1 prior art based on the structural representation of the mobile payment terminal of NFC technology;
Fig. 2 is the system architecture synoptic diagram of multifunctional electric commerce card of the present invention;
Fig. 3 is the communications protocol synoptic diagram between multifunctional electric commerce card of the present invention and portable terminal;
Fig. 4 is that an example hardware of multifunctional electric commerce card of the present invention realizes block scheme;
Fig. 5 is the example software block scheme based on the multifunctional electric commerce card of the present invention of the described hardware configuration of Fig. 4;
Fig. 6 is that the another example hardware of multifunctional electric commerce card of the present invention realizes block scheme;
The schematic diagram of Fig. 7 for communicating between multifunctional electric commerce card of the present invention and portable terminal and e-commerce services platform.
Embodiment
Be illustrated in figure 2 as the system architecture synoptic diagram of multifunctional electric commerce card of the present invention, this mainly comprises module: system management module, host communication interface module, noncontact interface module and smart card (SMX) control module.
Wherein, described system management module mainly is responsible for following work:
(1) coordinates communicating by letter between described host communication interface module, noncontact interface module and intelligent card control module, mainly comprise: described host communication interface module is judged from order or data that portable terminal receives, if what receive is about being provided with or revising the order of solid software operation pattern in the noncontact interface module, then will the solid software of described noncontact interface module be provided with, wherein said operator scheme mainly comprises payment mode, RFID read-write mode and electronic coupons pattern etc.; If what receive is data about information such as Payment Card, electronic coupons, then these data is sent in the SMX control module by described noncontact interface module and store; The Transaction Information that the noncontact interface module is returned sends to described host communication interface module by serial line interface, shows or the like can further sending to portable terminal.
(2) the host communication interface module is decrypted from order or the data that portable terminal receives, and the order or the data that will need to send to portable terminal from described host communication interface module encrypt, thereby have improved the security of communicating by letter between described host computer communication module and portable terminal to a certain extent.
(3) duty of monitoring described host communication interface module, noncontact interface module and intelligent card control module, and use certain algorithm to above-mentioned module electric control, it should be noted that since when described host communication interface module can be multifunctional electric commerce card power supply of the present invention directly during for usb interface module by portable terminal, so at this moment described host communication interface module only refers to the blue tooth interface module.Because under most situation, separation between machine and card formula multifunctional electric commerce card of the present invention all is in idle condition, and described host communication interface module and described non-contact modular are two parts of the power consumption of described multifunctional electric commerce card, therefore of the present invention with electric control mainly be at be described host communication interface module and described non-contact modular, thereby can reach purpose of energy saving from the consumption of conserver power source to a great extent.In one embodiment, the present invention is what to realize with electric control by the following method: described system management module is monitored the duty of described host communication interface module, if described host communication interface module receives the order that multifunctional electric commerce card is made as energy saver mode that portable terminal sends, then by being set to closed condition as this host communication interface module of the LMP in the Bluetooth protocol standard (Link Manager Protocol, LMP Link Manager Protocol); If the described host communication interface module that is under the closed condition is received the wake command that portable terminal sends, after then described system management module monitors this order, can be set to duty by this host communication interface module of LMP; When monitoring described host communication interface module, described system management module all is being in idle condition above in the certain hour length (this time can be preestablished by system management module) always, then communicate by host communication interface module and portable terminal, whether inquiry needs to make described host communication interface module to enter dormant state, think as portable terminal and need enter dormant state, then this host communication interface module is made as dormant state, can enters closed condition automatically through this host communication interface module after the certain hour length by LMP.Described noncontact interface module is set in deep sleep under default situation, at this moment this module consumed current is very little, and general noncontact process chip only consumes the electric current less than 1uA when being in deep sleep, therefore very power saving.This module can activate by the user or by outside card reader.Described system management module also can be monitored the duty of this noncontact interface module, all be in idle condition if this module surpasses in the certain hour length (this time also can be preestablished by system management module), then system management module can make it enter deep sleep to this noncontact interface module transmission signal by serial line interface always.
Described host communication interface module is mainly used in and portable terminal (as mobile phone, PDA, notebook computer etc.) communicates.In one embodiment, the blue tooth interface module that described host communication interface module is a built-in with CPU, thus make multifunctional electric commerce card of the present invention carry out radio communication with portable terminal.In another embodiment, described communication interface modules also can as usb interface module, thereby make multifunctional electric commerce card of the present invention carry out serial communication with portable terminal for the serial interface module of built-in with CPU.Communicating by letter between described in the present invention host communication interface module and portable terminal is mainly used in: information such as the electronic payment card that mobile terminal receive is downloaded from the internet electronic commercial platform, electronic coupons; The various control commands that reception is sent from portable terminal, as to as described in the order that is provided with or revises of the operator scheme (as payment mode, RFID read-write mode, electronic coupons pattern etc.) of noncontact interface module, the order of change multifunctional electric commerce card energy-saving mode, the order of change fetcher code etc.; And send various feedback informations etc. to portable terminal.For the security that guarantees to communicate by letter between multifunctional electric commerce card of the present invention and portable terminal, in one embodiment, communicating by letter between host communication interface module of the present invention and portable terminal can be followed following agreement: as shown in Figure 3, the main pattern that adopts order and response in the communication process, wherein each order bag and respond packet all are the processing of process encryption, and when these order bags or respond packet are not encrypted, its form is: information header | information data | and FCS (Frame Check Sequence), wherein the value of last byte FCS can calculate by following formula: all byte+FCS=0x00 in the order bag.
Described noncontact interface module is mainly used in: (1) handles the NFC contactless communication; (2) support the payment terminal of agreements such as ISO14443, ISO18092 and MIFARE Classic and other equipment with NFC interface to carry out exchanges data with noncontact.
Described SMX control module is mainly used in: (1) handles the functions such as data storage, read-write and encrypting and decrypting that bank card, debit card etc. are paid by mails; (2) under the control of noncontact interface module, carry out contactless communication, finish the contactless transaction behavior with control with payment terminal.
In one embodiment, as shown in Figure 4 and Figure 5, described system management module and described host communication interface module are realized by the Bluetooth system chip (as BC419143) of a built-in CPU and flash memories jointly, wherein bluetooth solid software is stored in the storer of described Bluetooth system chip, supports the bluetooth protocol repertory up to RFCOMM and SDP; In order to ensure the exchanges data that can carry out high safety with portable terminal, this Bluetooth system chip can adopt up to 128 and above encrypted code; Described Bluetooth system chip should also provide the comprehensive support to the bluetooth energy saver mode, thereby can guarantee when described multifunction electronic payment is in long idle condition, make the host communication interface module enter closed condition, and when portable terminal passes through the host communication interface module to this multifunctional electric commerce card transmission wake command, can under the support of this energy saver mode, make described host communication interface module return duty again, thereby realize purpose of power saving; In order to increase active data speed under the noise circumstance, described Bluetooth system chip also can provide CQDDR (coming specified data speed according to channel quality); Use RSSI (Received Signal Strength, received signal intensity) thereby the connecting interface between other wireless devices of minimizing and use ISM (Industrial, Scientific and Medical, industry, science and medical treatment) frequency band.In another embodiment, as shown in Figure 6, system management module of the present invention and described host communication interface module also can be realized by the USB serial interface chip (as AT90USB1287) of a built-in with CPU.Certainly, one of ordinary skill in the art should recognize that described system management module also can be realized by different hardware cells respectively with described host communication interface module, and can not exceed scope of the present invention.
Described noncontact interface module is realized by noncontact process chip (as PN531), this chip can by as the UART serial ports and as described in the host communication interface module link together, described noncontact process chip can adopt the 80C51 micro controller core of the RAM of the ROM that includes 32KB and 1KB, can be used for supporting by writing certain solid software: ISO 14443 read-write modes;
The Classic encryption function with
High transmission rates communication up to 424KB/s; Abide by FeliCa
TMSpecification is exempted from the contact communication with the transfer rate of 212KB/s and 424KB/s; NFC standard ECMA 340 and ISO 18092:NFCIP-1 Interface and Communication agreement etc.And this chip is supported the host protocol on UART, USB2.0, the interfaces such as SPI, I2C, can guarantee to communicate by described system management module and host communication interface module.
Described SMX control module is to be realized by the safe double nip PKI smart card controller (as P5CN072) of built-in CPU, this controller provide 160KB ROM, 4608B RAM and can be used as data-carrier store and the EEPROM of the 72KB of program storage, therefore guaranteed that various payment card information are had enough big data storage capacities; ISO/IEC 14443A type 3 and type 4 standards are supported in the communication of SMX control module on the S2C interface, can guarantee reliability of data transmission and security; Have PKI (Public Key Infrastructure) coprocessor and dual key DES-3 coprocessor and carry out the encryption and decryption processing specially, thereby further guaranteed the security of data storage and read-write.
Can carry out safe and reliable contactless communication by described noncontact interface module and various payment terminal in order to ensure described SMX control module, described SMX control module and noncontact interface module can link together by the S2C interface.Certainly also can adopt other connected mode, for example, again both be carried out physical connection by after the FPGA conversion.
In another embodiment, the also available contactless smart card chip with a slice built-in with CPU of described noncontact interface module and SMX control module is realized.
Those skilled in the art should recognize, the hardware described in the foregoing description or the implementation of software just realize example of the present invention, but not be used for limiting scope of the present invention, those skilled in the art mentions scheme in can be according to the present invention, used hardware chip or software module are further split, merge or recombinate, thereby form other embodiment.For example, use a System on Chip/SoC that has CPU to realize described system management module, host communication interface module, noncontact interface module and intelligent card control module by programming; Perhaps, each module is used the different hardware combinations of polylith realize or the like by certain connection or programming.These all embodiment should be within protection scope of the present invention.
Under the control that runs on the specific software on the portable terminal of supporting Bluetooth function, multifunctional electric commerce card of the present invention just can be used as electronic payment card, member card, rfid interrogator, electronic coupons etc. and has carried out the payment transaction of separation between machine and card formula.
Below be concrete example when multifunctional electric commerce card of the present invention is used as Payment Card or member card: with reference to figure 7, before this multifunctional electric commerce card is used as Payment Card or member card, portable terminal should be at first downloaded the information of described Payment Card or member card from e-commerce services platform by cordless communication network, these information is delivered in the system management module of multifunctional electric commerce card of the present invention by the host communication interface module then and is decrypted processing; And then these data messages are sent in the SMX control module preserve.Just can by the following method multifunctional electric commerce card of the present invention be used as Payment Card or member card then: the electric commerce card application software that runs on the described portable terminal sends the order that this card is set to payment mode by blue tooth interface to described multifunctional electric commerce card; After the host communication interface module is received this order, give system management module with it and handle; System management module is provided with order with this and is decrypted, and is payment mode with the solid software arrangements of noncontact interface module; Send a response message to portable terminal subsequently, illustrate that this multifunctional electric commerce card successfully is set to payment mode; At this moment outside card reader just can directly conduct interviews to the SMX control module by the noncontact interface; This outside card reader accesses to your password the SMX control module is authenticated, and this is to be realized by the security coprocessor that is embedded in the SMC module; If authentication is passed through, then should the outside card reader just can pass through Payment Card or the information in member card of non-contact interface reading pre-stored in the storer of this SMX control module, as read information such as name of account, account number, the term of validity; Described then outside card reader just can be used the account information in these described Payment Cards and carry out certain transaction; After the transaction between outside card reader and this multifunctional electric commerce card is finished, the SMX control module can be inserted a look-at-me and give the noncontact interface module, at this moment this noncontact interface module can be delivered to system management module with the details of current transaction by the host communication interface module and carries out encryption, and then by the host communication interface module these Transaction Informations is further sent to portable terminal by this this system management module and show.
When use of the present invention can also be used as rfid interrogator by electric commerce card more, its concrete application example is as follows: the electric commerce card application software that runs on the described portable terminal sends the order that is set to the RFID read-write mode through this card by the host communication interface module to described multifunctional electric commerce card; After the host communication interface module is received this order, give system management module with it and handle; System management module is provided with order with this and is decrypted, and is reading mode with the solid software arrangements of noncontact interface module; Return a response message to portable terminal subsequently, can use this multifunctional electric commerce card to scan the RFID label with the prompting user; This noncontact interface module can use various agreement and described RFID label to carry out communication, as reading multiple RFID labels such as ISO14443A, ISO18092, MIFARE Classic or Ultra-light; This noncontact interface module will be stored in data in the label and deliver to system management module by the host communication interface module and carry out encryption then, and then by the host communication interface module these data will be ultimately delivered in the portable terminal and show.
Multifunctional electric commerce card of the present invention can also be used as electronic coupons, its concrete application example is as follows: before this multifunctional electric commerce card is used as electronic coupons, portable terminal should at first be downloaded the information of described electronic coupons from e-commerce services platform, by the host communication interface module these information are delivered to then and be decrypted processing in the system management module; And then these data messages are preserved in flash memory.Just can by the following method multifunctional electric commerce card of the present invention be used as electronic coupons subsequently: the electric commerce card application software that runs on the described portable terminal sends the order that is set to the coupons pattern through this card of encrypting by the host communication interface module to described multifunctional electric commerce card; After the host communication interface module is received this order, give system management module with it and handle; System management module is provided with order with this and is decrypted, then with the solid software arrangements of this noncontact interface module for being operated in the coupons pattern; Send a response message to portable terminal subsequently, illustrate that this multifunctional electric commerce card successfully has been set to the coupons pattern; When the user from POS (Point of Sale, goods is sold a little) when terminal is paid a bill, the multifunction electronic Payment Card can be placed on outside card reader that the POS terminal is connected on, should the outside card reader read then by the electronic coupons information of contactless IO interface reading pre-stored in the flash memories of the host communication interface module of this multifunctional electric commerce card, as trade name, discount information and valid period etc.After payment finished, the debt in the POS terminal deduction electronic coupons was also calculated remaining sum.
Claims (15)
1. a multifunctional electric commerce card is characterized in that, comprising: system management module, host communication interface module, noncontact interface module and intelligent card control module;
Described system management module is responsible for coordinating communicating by letter between described host communication interface module, noncontact interface module and intelligent card control module;
Described host communication interface module is used for communicating with portable terminal;
Described noncontact interface module is responsible for handling contactless near-field communication; And the equipment of supporting the payment terminal of ISO14443, ISO18092 and MIFARE Classic agreement with noncontact or having a near field communication interface carries out exchanges data;
Described intelligent card control module is responsible for handling the function of data storage, read-write and the encrypting and decrypting of various electronic payment cards; And under the control of described near-field communication module, carry out contactless communication with payment terminal.
2. multifunctional electric commerce card according to claim 1 is characterized in that, communication data or order that described system management module also is responsible between described host communication interface module and portable terminal are encrypted or deciphered.
3. multifunctional electric commerce card according to claim 1 and 2 is characterized in that, described system management module also is responsible for the state of monitoring described host communication interface module, noncontact interface module and intelligent card control module activity, uses electric control.
4. multifunctional electric commerce card according to claim 1, it is characterized in that, described system management module mainly comprises the co-ordination of communicating by letter between described host communication interface module, noncontact interface module and intelligent card control module: described host communication interface module is judged from order or data that portable terminal receives, if what receive is about being provided with or revising the order of solid software operation pattern in the noncontact interface module, then will carrying out corresponding setting to the solid software of described noncontact interface module; If what receive is data about various payment card information, then these data is sent in the intelligent card control module by described noncontact interface module and store; The Transaction Information that the noncontact interface module is returned sends to described host communication interface module by serial line interface, shows can further sending to portable terminal.
5. multifunctional electric commerce card according to claim 4 is characterized in that, described operator scheme comprises payment mode, RFID read-write mode and electronic coupons pattern at least.
6. multifunctional electric commerce card according to claim 1 is characterized in that, described system management module and host communication interface module are realized by the Bluetooth system chip or the USB interface chip of built-in with CPU; Described noncontact interface module is realized by the noncontact process chip of special built-in with CPU; Described intelligent card control module is realized by the intelligent card chip that embeds CPU.
7. multifunctional electric commerce card according to claim 6 is characterized in that, described noncontact process chip and described intelligent card chip link together by the S2C interface.
8. multifunctional electric commerce card according to claim 6 is characterized in that, described noncontact process chip and described intelligent card chip carry out physical connection after changing by FPGA again.
9. multifunctional electric commerce card according to claim 1 is characterized in that, described system management module and host communication interface module are realized by Bluetooth system chip that is embedded with CPU or USB interface chip; Described noncontact interface module and described intelligent card control module are realized by the contactless smart card chip with a slice built-in with CPU.
10. multifunctional electric commerce card according to claim 1 is characterized in that, described system management module, host communication interface module, noncontact interface module and intelligent card control module are realized by a System on Chip/SoC that has CPU.
11. the separation between machine and card method of payment of the described multifunctional electric commerce card of claim 1, it is characterized in that, described multifunctional electric commerce card adopts Bluetooth Communication Technology or serial communication interface technology and portable terminal to communicate, and obtains order and payment data are set.
12. the separation between machine and card implementation method of multifunctional electric commerce card according to claim 11 is characterized in that, described serial communication interface technology is a USB serial communication interface technology.
13. one kind to the described multifunctional electric commerce card electric control method of claim 1, it is characterized in that, with host communication interface module in the described multifunctional electric commerce card and noncontact interface module is main controlled device, by described system management module the duty of described host communication interface module and noncontact interface module is monitored, wherein said host communication interface module is the blue tooth interface module;
If described system management module monitors described host communication interface module and receives the setting of using power mode or revise order from portable terminal, then be set to use accordingly power mode by this host communication interface module of LMP Link Manager Protocol;
If monitoring described host communication interface module, described system management module is being in idle condition above in the period of very first time length always, after then the warp-wise portable terminal is confirmed, be set to dormant state by the described host communication interface module of LMP Link Manager Protocol, described subsequently host communication interface module enters closed condition automatically;
Be in idle condition if described system management module monitors described noncontact interface module above in the period of second time span always, then sending signal and make it enter deep sleep to described noncontact interface module.
14. the electric control method of using according to claim 13 is characterized in that, described very first time length and described second time span are predefined by described system management module.
15. the electric control method of using according to claim 13 is characterized in that, is deep sleep with described noncontact interface module default setting.
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| CNA2006101685393A CN101201947A (en) | 2006-12-13 | 2006-12-13 | Multifunctional EC card as well as method for machine card separation payment and energy consumption control thereof |
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| CNA2006101685393A CN101201947A (en) | 2006-12-13 | 2006-12-13 | Multifunctional EC card as well as method for machine card separation payment and energy consumption control thereof |
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