CN113837752B - Method, device and equipment for automatically switching virtual cards - Google Patents
Method, device and equipment for automatically switching virtual cards Download PDFInfo
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- CN113837752B CN113837752B CN202110950019.2A CN202110950019A CN113837752B CN 113837752 B CN113837752 B CN 113837752B CN 202110950019 A CN202110950019 A CN 202110950019A CN 113837752 B CN113837752 B CN 113837752B
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- 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
- G06Q20/351—Virtual cards
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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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
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Abstract
The invention relates to the technical field of virtual cards, in particular to a method, a device and equipment for automatically switching virtual cards, wherein the method comprises the following steps: reading behavior mode information of a card swiping terminal; among all the virtual cards, determining a target virtual card which is pre-associated with behavior pattern information; and using the target virtual card and the card swiping terminal to conduct card swiping transaction. By adopting the technical scheme of the invention, the default card is determined from the analysis of the behavior pattern of the card swiping terminal, the card swiping terminal is not required to be updated, and the construction cost is saved. In addition, the number of virtual cards actually owned by the user is limited, and the use scene is limited.
Description
Technical Field
The present invention relates to the field of virtual card technologies, and in particular, to a method, an apparatus, and a device for automatically switching virtual cards.
Background
At present, in intelligent terminal equipment such as mobile phones or tablet computers of people, a plurality of virtual cards, such as virtual bus cards, virtual entrance guard cards or virtual bank cards, are generally opened. By setting various virtual cards, a user only needs to use portable intelligent terminal equipment to perform card swiping, and does not need to carry various entity cards, so that convenience is provided for life of people. However, there may be multiple virtual cards in the user's smart terminal device, and different virtual cards are applied to different swipe terminals. Before a certain Zhang Xuni card is used, people need to set the virtual card as a default card, so that the transaction can be successfully completed on the corresponding card swiping terminal. Therefore, the process of setting the default card in advance still affects the convenience of the card swiping process.
In the prior art, in order to further improve the convenience of card swiping, technicians have developed Enhanced Contactless Polling (ECP). The ECP adds a new card polling instruction based on the NFC Forum definition. The new card polling instruction carries the attribute information of the card swiping terminal, so that the mobile phone can switch the corresponding virtual card according to the attribute information to complete the transaction. Although the scheme can solve the problem of automatically switching cards, the implementation of the scheme depends on upgrading the software or hardware of all the card swiping terminals, so that the card swiping terminals after upgrading support newly added card polling instructions, follow the unified card swiping terminal attribute coding rules and have higher cost. In addition, technicians have developed smart cards, and smart card schemes are based on big data technology, and by combining with the geographic location of the swipe card, the attribute and type of the swipe card terminal are determined, so that the corresponding virtual card is switched. The mode has high probability of misjudgment, and the positions of the gate inhibition card swiping point and the bus card swiping point of the common office worker are likely to be relatively close, so that the misjudgment rate is further improved.
Therefore, in the prior art, when confirming the default card among the plurality of virtual cards, there are problems of high cost and high misjudgment rate, and a person skilled in the art is required to solve the problems.
Disclosure of Invention
Therefore, the present invention aims to provide a method, apparatus and device for automatically switching virtual cards, so as to solve the problems of high cost and high misjudgment rate when confirming a default card among a plurality of virtual cards.
In order to achieve the above purpose, the invention adopts the following technical scheme:
in one aspect, the present invention provides a method for automatically switching virtual cards, which is applied to intelligent terminal equipment, and the method includes:
reading behavior mode information of a card swiping terminal;
determining a target virtual card which is pre-associated with the behavior mode information in all the virtual cards;
and carrying out card swiping transaction with the card swiping terminal by using the target virtual card.
Further, the method for automatically switching virtual cards described above, before reading the behavior pattern information of the card swiping terminal, includes:
in the process of swiping the card, if the card is detected to enter a card swiping transaction stage, reading behavior mode information of a card swiping terminal in the process of swiping the card;
and associating the behavior mode information of the card swiping terminal in the card swiping process with a default card in the card swiping process.
Further, in the method for automatically switching virtual cards described above, the behavior pattern information of the card swiping terminal includes: the method comprises the steps of card polling mode information in a pre-communication stage, communication instruction information in a protocol interaction stage, initial application instruction information in an application interaction stage and interval time of adjacent instructions; the determining, among all the virtual cards, a target virtual card that is associated with the behavior pattern information in advance includes:
determining a first virtual card set which is pre-associated with the polling card mode information and the interval time of the adjacent instructions of the pre-communication stage in all the virtual cards;
determining a first virtual card in the first virtual card set so that the first virtual card and the card swiping terminal perform protocol interaction;
determining a second virtual card set which is related to the communication instruction information and the interval time of the adjacent instructions in the protocol interaction stage in the first virtual card set in the process of carrying out protocol interaction between the first virtual card and the card swiping terminal;
determining a third virtual card set associated with the initial application instruction information and the interval time of the application interaction stage adjacent instruction in the second virtual card set;
and determining the target virtual card in the third virtual card set.
Further, in the method for automatically switching virtual cards described above, the determining a first virtual card in the first virtual card set so that the first virtual card performs protocol interaction with the card swiping terminal includes:
determining a first virtual card in the first virtual card set according to a preset priority order;
detecting whether the card swiping terminal is abnormal or not in the protocol interaction process of the first virtual card and the card swiping terminal;
if the card swiping terminal is abnormal in the protocol interaction process of the first virtual card and the card swiping terminal, the first virtual card is redetermined in the remaining virtual cards of the first virtual card set according to the priority order, so that the redetermined first virtual card and the card swiping terminal perform protocol interaction until the protocol interaction is completed.
Further, the method for automatically switching virtual cards described above further includes:
and taking the first virtual card interacted with the card swiping terminal by the protocol as a common virtual card, and improving the priority order of the common virtual card.
Further, the method for automatically switching virtual cards described above, wherein determining the target virtual card in the third virtual card set includes:
determining a target virtual card in the third virtual card set according to the priority order;
judging whether the card swiping terminal is abnormal or not in application interaction between the target virtual card and the card swiping terminal;
if the target virtual card is abnormal in the application interaction between the target virtual card and the card swiping terminal, the target virtual card is redetermined in the remaining virtual cards in the third virtual card set, so that the redetermined target virtual card and the card swiping terminal perform application interaction until the application interaction is successful.
Further, the method for automatically switching virtual cards described above further includes:
and taking the target virtual card which is interacted with the card swiping terminal to finish application as a common virtual card, and improving the priority order of the common virtual card.
Further, in the method for automatically switching virtual cards described above, the communication instruction information includes: the card command content.
On the other hand, the invention also provides a device for automatically switching virtual cards, which is applied to intelligent terminal equipment and comprises:
the reading module is used for reading the behavior mode information of the card swiping terminal;
the determining module is used for determining target virtual cards which are pre-associated with the behavior mode information in all the virtual cards;
and the card switching module is used for carrying out card swiping transaction with the card swiping terminal by using the target virtual card.
In another aspect, the present invention further provides an apparatus for automatically switching virtual cards, including a processor and a memory, where the processor is connected to the memory:
the processor is used for calling and executing the program stored in the memory;
the memory is configured to store the program, and the program is configured to at least execute the method for automatically switching virtual cards according to any one of the above.
The invention discloses a method, a device and equipment for automatically switching virtual cards, wherein the method comprises the following steps: reading behavior mode information of a card swiping terminal; among all the virtual cards, determining a target virtual card which is pre-associated with behavior pattern information; and using the target virtual card and the card swiping terminal to conduct card swiping transaction. By adopting the technical scheme of the invention, the default card is determined from the analysis of the behavior pattern of the card swiping terminal, the card swiping terminal is not required to be updated, and the construction cost is saved. In addition, the number of virtual cards actually owned by the user is limited, and the use scene is limited. The scheme can be more pertinently adapted to the daily use scene of the user, and the success rate of switching the default card is improved.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a flow chart provided by one embodiment of a method of automatically switching virtual cards of the present invention;
FIG. 2 is a schematic diagram of an embodiment of an apparatus for automatically switching virtual cards according to the present invention;
FIG. 3 is a schematic diagram illustrating the structure provided by one embodiment of an apparatus for automatically switching virtual cards according to the present invention;
fig. 4 is a schematic diagram of an architecture provided by one embodiment of a system for automatically switching virtual cards.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be described in detail below. It will be apparent that the described embodiments are only some, but not all, embodiments of the invention. All other embodiments, based on the examples herein, which are within the scope of the invention as defined by the claims, will be within the scope of the invention as defined by the claims.
FIG. 1 is a flow chart of a method for automatically switching virtual cards according to an embodiment of the present invention.
The method for automatically switching the virtual card can be applied to intelligent terminal equipment such as mobile phones, intelligent bracelets and tablet computers. As shown in fig. 1, the present embodiment may include the following steps:
s11, reading behavior mode information of the card swiping terminal.
In the process of information interaction between the virtual card in the intelligent terminal equipment and the card swiping terminal, behavior mode information of the card swiping terminal can be acquired.
In this embodiment, the interaction between the virtual card and the card swiping terminal in the intelligent terminal device is divided into four processes, namely, a process before communication, a protocol interaction process in a beginning stage, an application interaction process in an intermediate stage and a transaction process in a final stage. When the card swiping terminal sends request information to poll the card, the virtual card in the intelligent terminal device does not reply, for example, REQA information or REQB information is sent to poll the card; the protocol interaction process is a stage of replying the virtual card in the intelligent terminal equipment to the request information sent by the card swiping terminal and negotiating to establish communication; the application interaction process is a stage of sending a first application instruction by the card swiping terminal and replying by the virtual card in the intelligent terminal equipment; the transaction process is the stage of last brushing the buckle fee. The first three phases are typically referred to as the poll card phase.
The embodiment can collect the behavior mode information of the card swiping terminal in the process before communication, the protocol interaction process in the beginning stage and the application interaction process in the middle stage, so as to determine the virtual card meeting the requirements according to the behavior mode information of the card swiping terminal, and enable the virtual card meeting the requirements and the card swiping terminal to complete the final transaction process.
The behavior mode information of the card swiping terminal comprises: the method comprises the steps of card polling mode information in a pre-communication stage, communication instruction information in a protocol interaction stage, initial application instruction information in an application interaction stage and interval time of adjacent instructions.
S12, determining a target virtual card which is pre-associated with the behavior mode information in all the virtual cards.
In this embodiment, determining, among all the virtual cards, a target virtual card associated with behavior pattern information in advance includes the following sub-steps:
the method comprises the following substeps: determining a first virtual card set which is pre-associated with the polling card mode information and the interval time of the adjacent instructions of the pre-communication stage in all virtual cards;
sub-step two: determining a first virtual card in a first virtual card set so that the first virtual card and the card swiping terminal perform protocol interaction;
and a sub-step three: in the process of carrying out protocol interaction between the first virtual card and the card swiping terminal, determining a second virtual card set which is related to communication instruction information and the interval time of adjacent instructions in the protocol interaction stage in the first virtual card set;
and a sub-step four: determining a third virtual card set associated with the initial application instruction information and the interval time of the adjacent instruction of the application interaction stage in the second virtual card set;
fifth, the sub-steps are: in the third set of virtual cards, a target virtual card is determined.
Specifically, this embodiment describes the above sub-steps by:
the current card swiping mode information of the card swiping terminal generally comprises the following modes: firstly, the card swiping terminal is electrified to open a magnetic field, REQA and REQB are sent at intervals, and the operation is repeated; secondly, the card swiping terminal is powered on to turn on the magnetic field, sends REQA and REQB at intervals, is powered off to turn off the magnetic field, and is powered on to turn on the magnetic field, so that the operation is repeated; thirdly, the card swiping terminal is electrified to open a magnetic field and continuously send REQA; fourth, the card swiping terminal is powered on to turn on the magnetic field, continuously transmits REQA, and is powered off to turn off the magnetic field. Still other variations, such as a swipe terminal that does not use REQA, but instead uses WUPA; instead of REQB, WUPB is used instead, etc. Moreover, the time interval between adjacent commands of different types of card swiping terminals in the pre-communication stage is also different, such as the time interval between REQA and REQB or REQA.
In this embodiment, the card inquiry mode information of the card swiping terminal and the interval time of the adjacent instruction of the pre-communication stage may be associated with the corresponding virtual card in advance. When the intelligent terminal device carried by the user approaches the card swiping terminal and reaches the identification range of the card swiping terminal, the interval time between the card polling mode information of the card swiping terminal and the adjacent instruction of the pre-communication stage can be detected, and as the interval time between the card polling mode information of the card swiping terminal and the adjacent instruction of the pre-communication stage has a certain difference, the first virtual card set which is associated with the card polling mode information and the interval time of the adjacent instruction of the pre-communication stage in advance can be determined in all virtual cards.
And determining the first virtual card in the first virtual card set so that the first virtual card and the card swiping terminal perform protocol interaction. In some alternative embodiments, the first virtual card may be determined by:
the method comprises the following substeps: determining a first virtual card in a first virtual card set according to a preset priority order;
sub-step two: detecting whether the card swiping terminal is abnormal or not in the protocol interaction process of the first virtual card and the card swiping terminal;
and a sub-step three: if the card swiping terminal is abnormal in the protocol interaction process of the first virtual card and the card swiping terminal, the first virtual card is redetermined in the remaining virtual cards of the first virtual card set according to the priority order, so that the redetermined first virtual card and the card swiping terminal perform protocol interaction until the protocol interaction is completed.
Specifically, in this embodiment, a priority order is set for each virtual card in advance, for example, the level of the virtual card with high usage rate may be set higher, so as to reduce the time of polling the card. And determining the virtual card with the highest priority order in the first virtual card set as the first virtual card, and carrying out protocol interaction with the card swiping terminal by taking the first virtual card as a default card. It should be noted that, the specific type of card swiping terminal can only accept the corresponding virtual card. When the virtual cards with different types are read, the communication interruption card swiping terminal stops interaction, and meanwhile, the card swiping terminal can prompt a user for errors. Therefore, once the abnormality of the card swiping terminal in the communication process is found, the current first virtual card is judged not to be the card acceptable by the card swiping terminal, so that other virtual cards can be automatically switched to continue to try to swipe the card, and the matching virtual card is tried to be found. Specifically, the policy adopted in this embodiment is that if an abnormality occurs in the card swiping terminal during a protocol interaction process between the first virtual card and the card swiping terminal, the first virtual card is redetermined among the remaining virtual cards in the first virtual card set according to the priority order, that is, the virtual card with the highest priority order is determined as the redetermined first virtual card among the remaining virtual cards in the first virtual card set, so that the redetermined first virtual card is used as a default card to perform protocol interaction with the card swiping terminal, whether the card swiping terminal is abnormal is detected during the interaction process, and if the abnormality occurs, the first virtual card is continuously redetermined until the protocol interaction is completed.
And determining a second virtual card set which is related to the communication instruction information and the interval time of the adjacent instructions in the protocol interaction stage in the first virtual card set in the process of carrying out protocol interaction between the first virtual card and the card swiping terminal. Specifically, the communication protocols commonly used in the NFC field in China are Type a and Type B of ISO 14443. The Type a protocol is commonly used in various industries, while the Type B protocol is currently only used for identity card reading. Therefore, this embodiment further illustrates the protocol interaction procedure of Type a. In addition, the principle of Type B is the same, and this embodiment is not described in detail.
For the Type A protocol, the specific interaction of the card swiping terminal and the virtual card to establish communication in the protocol interaction process is as follows:
the card swiping terminal sends REQA, and the virtual card returns to ATQA to indicate that the virtual card exists; the card swiping terminal sends an anti-collision, and the virtual card returns to the UID according to an anti-collision mechanism; the card swiping terminal sends a SELECT to SELECT a virtual card. The virtual card returns to SAK, indicating that it is selected. If the card reader is the Mifare card reader currently, the next step of the card swiping terminal sends Mifare instructions, and the virtual card returns a response. If the card reader is the CPU card reader currently, the next step of card swiping terminal sends an RATS, and requests to return to the ATS. The virtual card returns to the ATS. The card swiping terminal sends an application instruction, and the card processes the application instruction and returns response data.
At present, mifare cards are commonly used in the field of entrance guard, and public transportation is a CPU card.
Specifically, when the swipe terminal transmits REQA, ATQA data responded by the virtual card is different. For example, mifare cards often use 0x0800 as the ATQA value, while CPU cards often use 0x0400 as the ATQA value. Thus, it is possible that the swipe terminal will not continue to establish a communication connection when encountering an unexpected value of ATQA, but will instead send other commands to terminate the interaction or re-power up or repeatedly send REQA to continue polling the card. The SAK of the virtual card response may also have a different value when the swipe terminal sends a SELECT. For example, mifare cards often use 0x08 as the SAK value, while CPU cards often use 0x20 as the SAK value. Thus, it is possible that the swipe terminal will not continue to establish a communication connection when encountering an unexpected value of SAK, but will instead send other commands to terminate the interaction or to re-power up or to re-send REQA to continue to poll the card. The ATS of the virtual card response may also have a different value when the swipe terminal sends the RATS. The ATS contains a number of communication parameters including communication rate supported by the virtual card, frame size, and history data. Thus, it is possible that the swipe terminal will not continue to establish a communication connection when encountering an unexpected value of ATS, but will send other commands to terminate the interaction or to re-power up or to re-send the REQA to continue to poll the card.
When such abnormal communication occurs, the embodiment switches the next virtual card as the first virtual card according to the priority order, so as to change the values of ATQA, SAK and ATS, and make the card swiping terminal continuously try to poll the card. If the parameters of a certain virtual card are found to enable the card swiping terminal to complete the establishment of communication connection and the subsequent card swiping is successful, the priority of the card is increased, so that the communication establishment and the card swiping can be completed more quickly next time.
In addition, the card inquiry instruction intervals of different types of card swiping terminals are also different. Such as REQA to anti-version time interval, anti-version to SELECT time interval, SELECT to RATS time interval, and RATS to first application instruction time interval.
In this embodiment, the communication instruction information of the card swiping terminal and the interval time of the adjacent instruction of the protocol interaction stage may be associated with the corresponding virtual card in advance. As mentioned above, because the communication instruction information of the card swiping terminal has a certain difference from the interval time of the adjacent instruction of the protocol interaction stage, the second virtual card set associated with the communication instruction information and the interval time of the adjacent instruction of the protocol interaction stage can be further determined in the first virtual card set.
And determining a third virtual card set associated with the initial application instruction information and the interval time of the adjacent instruction of the application interaction stage in the second virtual card set. Specifically, the initial application instruction information is a first application command sent by the card swiping terminal. The first application command sent by the card swiping terminal is related to the type of the card swiping terminal. Such as a swipe terminal conforming to the traffic department specification, the first application command is select PPSE (Proximity Payment System Environment), while a swipe terminal conforming to the building department specification, the first application command may be select PSE (Payment System Environment), or select a root directory, etc.
The time interval between adjacent instructions of different card swiping terminals in the application interaction stage is also different, for example, the time interval from the RATS to the first application instruction is also different.
In this embodiment, the initial application instruction information of the card swiping terminal and the interval time of the adjacent instruction of the application interaction stage may be associated with the corresponding virtual card in advance. As described above, since the initial application instruction information of the card swiping terminal and the interval time of the application interaction phase adjacent instruction have a certain difference, the third virtual card set associated with the initial application instruction information and the interval time of the application interaction phase adjacent instruction can be determined in the second virtual card set.
Further, a target virtual card may be determined in the third set of virtual cards. The method specifically comprises the following substeps:
the method comprises the following substeps: determining a target virtual card in the third virtual card set according to the priority order;
sub-step two: judging whether the card swiping terminal is abnormal or not in application interaction between the target virtual card and the card swiping terminal;
and a sub-step three: if the card swiping terminal is abnormal in the application interaction between the target virtual card and the card swiping terminal, the target virtual card is redetermined in the remaining virtual cards of the third virtual card set according to the priority order, so that the redetermined target virtual card and the card swiping terminal perform application interaction until the application interaction is successful.
Specifically, in this embodiment, since the priority order is set for each virtual card in advance, it is possible to determine, in the third virtual card set, the virtual card with the highest priority order as the target virtual card, and use the target virtual card as the default card to perform application interaction with the card swiping terminal. It should be noted that, the specific type of card swiping terminal can only accept the corresponding virtual card. When the virtual cards with different types are read, the communication interruption card swiping terminal stops interaction, and meanwhile, the card swiping terminal can prompt a user for errors. Therefore, the abnormality of the card swiping terminal in the communication process is found, the current target virtual card is judged not to be the virtual card acceptable by the card swiping terminal, and other virtual cards can be automatically switched to serve as the target virtual cards to continuously try to swipe the cards, so that the matched virtual cards are tried to be found. Specifically, the policy adopted in this embodiment is that if an abnormality occurs in the card swiping terminal in application interaction between the target virtual card and the card swiping terminal, the target virtual card is redetermined among the remaining virtual cards in the third virtual card set according to the priority order, that is, the virtual card with the highest priority among the remaining virtual cards in the third virtual card set is used as the redetermined target virtual card, so that the redetermined target virtual card and the card swiping terminal perform application interaction until the application interaction is successful. It should be noted that, when the card swiping terminal reads the virtual card with different types, the communication interrupts the card swiping terminal to stop interaction, so in this step, the card swiping terminal is abnormal, and the target virtual card needs to interact with the card swiping terminal again to establish communication, and then enters the application interaction stage after the protocol interaction stage.
And taking the target virtual card which is interacted with the card swiping terminal to finish application as a common virtual card, and improving the priority order of the common virtual card. So as to shorten the time for determining the target virtual card next time.
S13, using the target virtual card and the card swiping terminal to conduct card swiping transaction.
After the target virtual card is determined, the target virtual card can be used as a default card to carry out subsequent card swiping transaction with the card swiping terminal.
The invention discloses a method, a device and equipment for automatically switching virtual cards, wherein the method comprises the following steps: reading behavior mode information of a card swiping terminal; among all the virtual cards, determining a target virtual card which is pre-associated with behavior pattern information; and using the target virtual card and the card swiping terminal to conduct card swiping transaction. By adopting the technical scheme of the embodiment, the default card is determined from the analysis of the behavior pattern of the card swiping terminal, the card swiping terminal is not required to be updated, and the construction cost is saved. In addition, the number of virtual cards actually owned by the user is limited, and the use scene is limited. The scheme can be more pertinently adapted to the daily use scene of the user, and the success rate of switching the default card is improved.
In some alternative embodiments, it may be desirable to pre-associate behavior pattern information of the swipe terminal with the virtual card. The method specifically comprises the following steps:
step one: in the process of card swiping, if the entering of a card swiping transaction stage is detected, the behavior mode information of a card swiping terminal in the process of card swiping is read;
step two: and associating the behavior mode information of the card swiping terminal in the card swiping process with a default card in the card swiping process.
In the process of card swiping, if the entering of the card swiping transaction stage, namely after the successful card polling, is detected, the behavior mode information of the card swiping terminal in the process of card swiping can be read, and then the behavior mode information of the card swiping terminal in the process of card swiping is associated with a default card in the process of card swiping.
Specifically, there are several possible ways for the card swiping terminal to poll the card, the first is to turn on the magnetic field by powering on, and send REQA and REQB at intervals, so that the above steps are repeated; secondly, powering on the magnetic field, sending REQA and REQB at intervals, powering off the magnetic field, powering on the magnetic field again, and repeating the steps; thirdly, powering on the magnetic field to continuously send REQA; fourth, the power on turns on the magnetic field, continuously transmits REQA, and the power off turns off the magnetic field. Still other variations, such as a swipe terminal that does not use REQA, but instead uses WUPA; instead of REQB, WUPB is used instead. Recording the card polling mode of the card swiping terminal, and preparing to establish association with the currently default virtual card. If the subsequent card swiping is successful, the card polling mode is associated with the current default card, otherwise, the association relationship is abandoned.
Further, the time interval between REQA and REQB or REQA may be recorded. After the poll card is successful, record REQA to anti-version time interval, anti-version to SELECT time interval, SELECT to RATS time interval, and RATS to first application instruction time interval. The time interval is recorded and an association is prepared to be established with the currently default virtual card. If the subsequent card swiping is successful, the time interval mode is associated with the current default card, otherwise, the association relationship is abandoned.
Further, the first application command sent by the card swiping terminal is related to the type of the card swiping terminal. Such as a swipe terminal conforming to the traffic department specification, the first order of the application is to select PPSE (Proximity Payment System Environment), while a swipe terminal conforming to the building specification, the first order of the application may be to select PSE (Payment System Environment), or to select a root directory, etc. The first application command is recorded and an association is prepared with the currently default virtual card. If the subsequent card swiping is successful, the time interval mode is associated with the current default card, otherwise, the association relationship is abandoned.
Based on a general inventive concept, the invention also provides a device for automatically switching virtual cards, which is used for realizing the method embodiment.
Fig. 2 is a schematic structural diagram of an embodiment of an apparatus for automatically switching virtual cards according to the present invention. As shown in fig. 2, the apparatus of this embodiment includes:
a reading module 21, configured to read behavior pattern information of the card swiping terminal;
a determining module 22, configured to determine a target virtual card that is associated with behavior pattern information in advance among all the virtual cards;
and the card switching module 23 is used for performing card swiping transaction with the card swiping terminal by using the target virtual card.
Further, the apparatus of this embodiment further includes an association module;
the reading module 21 is further configured to, in the process of swiping a card, read behavior pattern information of the card swiping terminal in the process of swiping a card if the entering of the card swiping transaction stage is detected;
and the association module is used for associating the behavior mode information of the card swiping terminal in the card swiping process with a default card in the card swiping process.
Further, the behavior pattern information of the card swiping terminal includes: the method comprises the steps of card polling mode information in a pre-communication stage, communication instruction information in a protocol interaction stage, initial application instruction information in an application interaction stage and interval time of adjacent instructions; the determining module 22 is specifically configured to determine, among all the virtual cards, a first virtual card set that is associated in advance with the polling card mode information and the interval time of the pre-communication stage adjacent instruction; determining a first virtual card in a first virtual card set so that the first virtual card and the card swiping terminal perform protocol interaction; in the process of carrying out protocol interaction between the first virtual card and the card swiping terminal, determining a second virtual card set which is related to communication instruction information and the interval time of adjacent instructions in the protocol interaction stage in the first virtual card set; determining a third virtual card set associated with the initial application instruction information and the interval time of the adjacent instruction of the application interaction stage in the second virtual card set; in the third set of virtual cards, a target virtual card is determined.
Further, the determining module 22 is specifically configured to determine, according to a preset priority order, a first virtual card in the first virtual card set; detecting whether the card swiping terminal is abnormal or not in the protocol interaction process of the first virtual card and the card swiping terminal; if the card swiping terminal is abnormal in the protocol interaction process of the first virtual card and the card swiping terminal, the first virtual card is redetermined in the remaining virtual cards of the first virtual card set according to the priority order, so that the redetermined first virtual card and the card swiping terminal perform protocol interaction until the protocol interaction is completed.
Further, the determining module 22 is specifically configured to take the first virtual card interacting with the card swiping terminal to complete the protocol as a common virtual card, and promote the priority order of the common virtual card.
Further, the determining module 22 is specifically configured to determine, according to the priority order, the target virtual card in the third virtual card set; judging whether the card swiping terminal is abnormal or not in application interaction between the target virtual card and the card swiping terminal; if the card swiping terminal is abnormal in the application interaction between the target virtual card and the card swiping terminal, the target virtual card is redetermined in the remaining virtual cards of the third virtual card set according to the priority order, so that the redetermined target virtual card and the card swiping terminal perform application interaction until the application interaction is successful.
Further, the determining module 22 is specifically configured to take the target virtual card that completes the application interaction with the card swiping terminal as a common virtual card, and promote the priority order of the common virtual card.
Further, the communication instruction information includes: the card command content.
The specific manner in which the various modules perform the operations in the apparatus of the above embodiments have been described in detail in connection with the embodiments of the method, and will not be described in detail herein.
Based on a general inventive concept, the invention also provides a device for automatically switching virtual cards, which is used for realizing the method embodiment.
Fig. 3 is a schematic structural diagram provided by an embodiment of the apparatus for automatically switching virtual cards according to the present invention. As shown in fig. 3, the apparatus for automatically switching virtual cards of the present embodiment includes a processor 31 and a memory 32, the processor 31 being connected to the memory 32. Wherein the processor 31 is used for calling and executing the program stored in the memory 32; the memory 32 is used to store a program for executing at least the method of automatically switching virtual cards in the above embodiment.
Based on a general inventive concept, the present embodiment also provides a system for automatically switching virtual cards.
Fig. 4 is a schematic diagram of an architecture provided by one embodiment of a system for automatically switching virtual cards. As shown in fig. 4, the system for automatically switching virtual cards of the present embodiment includes a security module 42, an NFC antenna module 43, and the apparatus 41 for automatically switching virtual cards of the above embodiments. The apparatus 41 for automatically switching virtual cards of the above embodiment serves as a communication front-end module (Contactless Front-end, CLF) in the system for automatically switching virtual cards.
The communication front-end module is integrated into an embedded chip and is responsible for communicating with an external card reader through the NFC antenna module 43, and meanwhile, different communication parameters are applied according to different default cards in the security module 42. The method of automatically switching virtual cards according to the above embodiment is implemented in the communication front-end module, and the actual switching state of the virtual cards is performed in the security module 42, and the card swiping transaction is implemented in the corresponding virtual cards in the security module 42.
It is to be understood that the same or similar parts in the above embodiments may be referred to each other, and that in some embodiments, the same or similar parts in other embodiments may be referred to.
It should be noted that in the description of the present invention, the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying relative importance. Furthermore, in the description of the present invention, unless otherwise indicated, the meaning of "plurality" means at least two.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and further implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It is to be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above-described embodiments, the various steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, may be implemented using any one or combination of the following techniques, as is well known in the art: discrete logic circuits having logic gates for implementing logic functions on data signals, application specific integrated circuits having suitable combinational logic gates, programmable Gate Arrays (PGAs), field Programmable Gate Arrays (FPGAs), and the like.
Those of ordinary skill in the art will appreciate that all or a portion of the steps carried out in the method of the above-described embodiments may be implemented by a program to instruct related hardware, where the program may be stored in a computer readable storage medium, and where the program, when executed, includes one or a combination of the steps of the method embodiments.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing module, or each unit may exist alone physically, or two or more units may be integrated in one module. The integrated modules may be implemented in hardware or in software functional modules. The integrated modules may also be stored in a computer readable storage medium if implemented in the form of software functional modules and sold or used as a stand-alone product.
The above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, or the like.
In the description of the present specification, a description referring to terms "one embodiment," "some embodiments," "examples," "specific examples," or "some examples," etc., means that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present invention. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
While embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are illustrative and not to be construed as limiting the invention, and that variations, modifications, alternatives and variations may be made to the above embodiments by one of ordinary skill in the art within the scope of the invention.
Claims (9)
1. A method for automatically switching virtual cards, which is applied to intelligent terminal equipment, the method comprising:
reading behavior mode information of a card swiping terminal;
determining a target virtual card which is pre-associated with the behavior mode information in all the virtual cards;
using the target virtual card and the card swiping terminal to conduct card swiping transaction;
the behavior mode information of the card swiping terminal comprises: the method comprises the steps of card polling mode information in a pre-communication stage, communication instruction information in a protocol interaction stage, initial application instruction information in an application interaction stage and interval time of adjacent instructions;
the determining, among all the virtual cards, a target virtual card that is associated with the behavior pattern information in advance includes:
determining a first virtual card set which is pre-associated with the polling card mode information and the interval time of the adjacent instructions of the pre-communication stage in all the virtual cards;
determining a first virtual card in the first virtual card set so that the first virtual card and the card swiping terminal perform protocol interaction;
determining a second virtual card set which is related to the communication instruction information and the interval time of the adjacent instructions in the protocol interaction stage in the first virtual card set in the process of carrying out protocol interaction between the first virtual card and the card swiping terminal;
determining a third virtual card set associated with the initial application instruction information and the interval time of the application interaction stage adjacent instruction in the second virtual card set;
and determining the target virtual card in the third virtual card set.
2. The method for automatically switching virtual cards according to claim 1, wherein before the reading of the behavior pattern information of the card swiping terminal, comprising:
in the process of swiping the card, if the card is detected to enter a card swiping transaction stage, reading behavior mode information of a card swiping terminal in the process of swiping the card;
and associating the behavior mode information of the card swiping terminal in the card swiping process with a default card in the card swiping process.
3. The method for automatically switching virtual cards according to claim 1 wherein said determining a first virtual card in said first set of virtual cards to enable said first virtual card to interact with said swipe terminal in a protocol includes:
determining a first virtual card in the first virtual card set according to a preset priority order;
detecting whether the card swiping terminal is abnormal or not in the protocol interaction process of the first virtual card and the card swiping terminal;
if the card swiping terminal is abnormal in the protocol interaction process of the first virtual card and the card swiping terminal, the first virtual card is redetermined in the remaining virtual cards of the first virtual card set according to the priority order, so that the redetermined first virtual card and the card swiping terminal perform protocol interaction until the protocol interaction is completed.
4. A method of automatically switching virtual cards according to claim 3 wherein the method further comprises:
and taking the first virtual card interacted with the card swiping terminal by the protocol as a common virtual card, and improving the priority order of the common virtual card.
5. The method for automatically switching virtual cards according to claim 3 wherein said determining said target virtual card in said third set of virtual cards comprises:
determining a target virtual card in the third virtual card set according to the priority order;
judging whether the card swiping terminal is abnormal or not in application interaction between the target virtual card and the card swiping terminal;
if the card swiping terminal is abnormal in the application interaction between the target virtual card and the card swiping terminal, the target virtual card is redetermined in the remaining virtual cards of the third virtual card set according to the priority order, so that the redetermined target virtual card and the card swiping terminal perform application interaction until the application interaction is successful.
6. A method of automatically switching virtual cards according to claim 3 wherein the method further comprises:
and taking the target virtual card which is interacted with the card swiping terminal to finish application as a common virtual card, and improving the priority order of the common virtual card.
7. The method for automatically switching virtual cards according to claim 3 wherein said communication instruction information comprises: the card command content.
8. An apparatus for automatically switching virtual cards, which is applied to an intelligent terminal device, the apparatus comprising:
the reading module is used for reading the behavior mode information of the card swiping terminal; the behavior mode information of the card swiping terminal comprises: the method comprises the steps of card polling mode information in a pre-communication stage, communication instruction information in a protocol interaction stage, initial application instruction information in an application interaction stage and interval time of adjacent instructions;
a determining module, configured to determine, among all the virtual cards, a target virtual card that is associated with the behavior pattern information in advance, including: determining a first virtual card set which is pre-associated with the polling card mode information and the interval time of the adjacent instructions of the pre-communication stage in all the virtual cards; determining a first virtual card in the first virtual card set so that the first virtual card and the card swiping terminal perform protocol interaction; determining a second virtual card set which is related to the communication instruction information and the interval time of the adjacent instructions in the protocol interaction stage in the first virtual card set in the process of carrying out protocol interaction between the first virtual card and the card swiping terminal; determining a third virtual card set associated with the initial application instruction information and the interval time of the application interaction stage adjacent instruction in the second virtual card set; determining the target virtual card in the third virtual card set;
and the card switching module is used for carrying out card swiping transaction with the card swiping terminal by using the target virtual card.
9. An apparatus for automatically switching virtual cards, comprising a processor and a memory, the processor being coupled to the memory:
the processor is used for calling and executing the program stored in the memory;
the memory for storing the program at least for executing the method of automatically switching virtual cards according to any one of claims 1 to 7.
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