CN106296162A - A kind of NFC payment system based on HCE and mobile terminal - Google Patents
A kind of NFC payment system based on HCE and mobile terminal Download PDFInfo
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- CN106296162A CN106296162A CN201510318779.6A CN201510318779A CN106296162A CN 106296162 A CN106296162 A CN 106296162A CN 201510318779 A CN201510318779 A CN 201510318779A CN 106296162 A CN106296162 A CN 106296162A
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- hce
- mobile terminal
- nfc
- payment system
- chip
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The present invention provides a kind of NFC payment system based on HCE and mobile terminal, and described NFC payment system includes: NFC antenna, for being traded the transmission of data with the NFC card-reading apparatus near field；CLF chip, is connected with the central processing unit in NFC antenna and mobile terminal, for processing the transaction data of NFC antenna transmission；HCE application program module, the transaction data after processing according to CLF chip carries out corresponding transactional operation；Pasting card, fits with the SIM in mobile terminal and is connected with HCE application program module, being integrated with safety chip in pasting card, is used for being encrypted transaction data and transactional operation, storing safely and certification.The present invention can avoid the restriction of SWP, it is not necessary to mobile terminal supports SWP single-wire-protocol, without mobile terminal carries out the change of hardware or software view, i.e. can realize CLF chip and communicate with the connection of safety chip.
Description
Technical field
The present invention relates to mobile payment technical field, particularly relate to NFC mobile payment technical field, be specially a kind of based on
The NFC payment system of HCE and mobile terminal.
Background technology
Mobile phone near field pays and refers to that consumer, when buying commodity or service, is paid to businessman by mobile phone, the process of payment
Carry out at the scene, use mobile phone radio frequency (NFC), the passage such as infrared, bluetooth, it is achieved with automatic vending machine and POS
Local communication, completes to pay.Near-field communication (Near Field Communication, NFC) is the wireless of a kind of short distance high frequency
Power technology, it is allowed to carry out contactless Point-to-Point Data Transmission exchange data between electronic equipment, by non-contact radio-frequency identification
(RFID) develop.NFC operating frequency is 13.56Hz, and within effective range is 20cm, its transmission speed has 106Kbit/
Second, 212Kbit/ second or 424Kbit/ second three kinds.NFC has 3 kinds of mode of operations: card reader pattern, ad hoc mode, card
Simulation model.When card reader pattern, NFC device produces radio-frequency field and uses read-write number the NFC label of identical standard from outside
According to.In ad hoc mode, NFC can carry out point-to-point data transmission with other NFC device communication.Card simulation mould
In formula, card reader is active devices, produces radio-frequency field；NFC device is passive equipment, simulates one and meets the non-of NFC standard
Contact card interacts with card reader.HCE technology the most discussed in this article is mainly used for the pattern of card simulation.
Traditional NFC terminal mainly include untouchable front end CLF chip (being also NFC controller), antenna (Antenna),
Three critical pieces of security module (Secure Element, SE).Provide recognition interface in CLF, P2P interface, card simulation connect
Mouthful, the most corresponding three kinds of mode of operations described above.
At present in the mobile phone near field payment scheme of main flow, processor, aerial coil, CLF module (CLF chip) typically all collect
Become at interior of mobile phone, and the difference of the implementation according to SE module (safety chip), SWP-SD scheme, SWP-SIM can be divided into
Scheme and full phone solution.Wherein SWP-SD scheme, i.e. safety chip are integrated on SD card (special SD card), SE
And by single-wire-protocol communication between CLF module；SWP-SIM scheme, i.e. safety chip are integrated (special on the sim card
SIM), also it is by single-wire-protocol communication between SE and CLF module；Full phone solution, i.e. safety chip are integrated in mobile phone
Inside, preset related application when dispatching from the factory, or download related application by OTA.
It will be seen that use traditional implementation pattern, in addition to full phone solution, SWP-SIM and SWP-SD is required for mobile phone
Supporting SWP single-wire-protocol, to realize the connection between CLF module and SE module, this needs mobile phone at hardware, software view
Support.
Summary of the invention
The shortcoming of prior art in view of the above, it is an object of the invention to provide a kind of NFC payment system based on HCE
And mobile terminal, being used for solving mobile phone time mobile phone near field pays in prior art needs to support single-wire-protocol or needs at hardware, soft
The problem that part aspect is modified.
For achieving the above object and other relevant purposes, the present invention provides a kind of NFC payment system based on HCE, is applied to
Being configured with in the mobile terminal of SIM, described NFC payment system based on HCE includes: NFC antenna, is used for and near field
NFC card-reading apparatus be traded the transmission of data；Centre in CLF chip, with described NFC antenna and mobile terminal
Reason device is connected, and processes for the transaction data transmitting described NFC antenna；HCE application program module, with described CLF
Chip is connected, and the transaction data after processing according to CLF chip carries out corresponding transactional operation；Pasting card, with described movement
SIM in terminal is fitted and is connected with described HCE application program module, is integrated with safety chip in described pasting card, uses
In described transaction data and described transactional operation being encrypted, storing safely and certification.
Further, described CLF chip and described HCE application program module also with the operating system phase in described mobile terminal
Even, the transaction data after described CLF chip will process sends the operating system to described mobile terminal, in described mobile terminal
Operating system the transaction data received is forwarded to described HCE application program module again.
Further, described HCE application program module receive CLF chip process after transaction data time, to described pad pasting
Card sends instruction, so that described transaction data and described transactional operation are encrypted by the safety chip in described pasting card, safety
Storage and certification.
Further, the described HCE application program module operating system in described mobile terminal in advance is registered.
Further, being configured with the some application for financial transaction in described safety chip, the most described safety chip storage has
Financial payment accounts information and corresponding related credentials.
Further, described NFC antenna is transmitted with radiofrequency signal form with the transaction data of the NFC card-reading apparatus transmission near field.
Further, the frequency of described radiofrequency signal is 13.56MHz.
For achieving the above object, the present invention also provides for a kind of NFC based on HCE and pays mobile terminal, in described mobile terminal
It is configured with NFC payment system based on HCE as above.
Further, described mobile terminal is to possess NFC function and the mobile terminal of HCE function.
Further, described mobile terminal is smart mobile phone, PAD or palm PC.
As it has been described above, a kind of based on HCE NFC payment system of the present invention and mobile terminal, have the advantages that
The present invention by transaction data and transactional operation being encrypted in safety chip is integrated in pasting card, safety store and recognize
Card, and carry out corresponding transactional operation by HCE application program module, the restriction of SWP can be avoided, it is not necessary to mobile terminal
Supporting SWP single-wire-protocol, without mobile terminal being carried out the change of hardware or software view, i.e. can realize CLF chip
Connection with safety chip (SE module) communicates.The present invention is economical and practical, and general mobile terminal is had universal adaptability.
Accompanying drawing explanation
Fig. 1 is shown as a kind of based on HCE NFC payment system and the overall structure schematic diagram of mobile terminal of the present invention.
Element numbers explanation
1 NFC payment system based on HCE
11 NFC antenna
12 CLF chips
13 HCE application program modules
14 pasting cards
2 mobile terminals
21 central processing units
22 SIMs
Detailed description of the invention
By particular specific embodiment, embodiments of the present invention being described below, those skilled in the art can be taken off by this specification
The content of dew understands other advantages and effect of the present invention easily.
Refer to Fig. 1.It should be clear that structure depicted in this specification institute accompanying drawings, ratio, size etc., the most only in order to coordinate
Content disclosed in bright book, understands for those skilled in the art and reads, being not limited to the enforceable restriction of the present invention
Condition, therefore do not have technical essential meaning, the modification of any structure, the change of proportionate relationship or the adjustment of size, at not shadow
Ring under the effect that can be generated by of the present invention and the purpose that can reach, all should still fall and obtain can contain at disclosed technology contents
In the range of lid.Meanwhile, in this specification cited as " on ", D score, "left", "right", the term of " middle " and " " etc.,
It is merely convenient to understanding of narration, and is not used to limit the enforceable scope of the present invention, being altered or modified of its relativeness,
Without under essence change technology contents, when being also considered as the enforceable category of the present invention.
It is an object of the invention to provide a kind of NFC payment system based on HCE and mobile terminal, be used for solving prior art
The problem that when middle mobile phone near field pays, mobile phone needs to support single-wire-protocol or need to be modified at hardware, software view.Below will
Elaborate a kind of based on HCE NFC payment system of the present invention and the principle of mobile terminal and embodiment, make this area
Technical staff need not creative work and is i.e. appreciated that a kind of based on HCE NFC payment system and the mobile terminal of the present invention.
As it is shown in figure 1, the present embodiment provides a kind of NFC payment system 1 based on HCE and a kind of NFC based on HCE
Pay mobile terminal 2.The means of payment uses HCE-pasting card pattern, then can avoid the restriction of SWP, if mobile terminal 2
Support NFC and HCE technology, mobile terminal 2 near field payment function can be realized.It is based on HCE that the present embodiment provides
NFC is configured with described NFC payment system 1 based on HCE in paying mobile terminal 2.Here, described mobile terminal 2 wraps
Include and a kind of can automatically carry out numerical computations and information processing according to the instruction being previously set or storing, and there is multimedia shadow
The electronic equipment of sound function, it includes but not limited to smart mobile phone, PAD or palm PC etc..
Hereinafter described NFC payment system 1 based on HCE is described in detail.
As it is shown in figure 1, the present embodiment provides a kind of NFC payment system 1 based on HCE, it is applied to be configured with SIM 22
Mobile terminal 2 in, described NFC payment system 1 based on HCE includes: NFC antenna 11, CLF chip 12, HCE
Application program module 13 and pasting card 14.
HCE (host-based card emulation), the most Host Based card simulation, the mobile phone being equipped with NFC function at is real
Now block simulation.New NFC characteristic HCE (Host Card Emulation), it is " the brush based on common UIM card and common apparatus
Mobile phone " application, it is provided that one possible solution.Owing to HCE application technology is by the application (APP) on smart mobile phone
Realizing the function of card simulation, the most natural platform existing for mobile phone application (APP), can be that holder provides more
Adequate and systematic service function, also brings, for publisher, the probability that more business expand.All have only to be updated, i.e. by simple APP
Application can be completed issue and application propelling movement, very convenient.HCE technology simply achieves delivers to behaviour by the data of NFC reader
Make the HCE service of system or reply data are returned to NFC reader, and for the process of data and depositing of sensitive information
Chu Ze does not implement carefully, and HCE technology is to simulate agreement and the realization that NFC with SE communicates the most on earth.But HCE
Not realizing SE, the mode simply communicated with NFC with SE tells there is the support of SE after NFC reader, thus with void
The mode intending SE completes the safety assurance of NFC business.For the scheme of local software simulation SE, user sensitive information and friendship
Easily data leave this locality in.Process of exchange and data store by operating system management, and this provides a kind of basic safety guarantee machine
System (as each program can be operated in a sandbox by operating system, is so possible to prevent an application program to access other application
Data.
The mobile terminal 2 of the NFC payment system 1 based on HCE in configuration the present embodiment should be configured with SIM 22, and
And described mobile terminal 2 is to possess NFC function and the mobile terminal of HCE function.
NFC antenna 11 for being traded the transmission of data with the NFC card-reading apparatus near field.Specifically, in the present embodiment,
The transaction data of the NFC card-reading apparatus transmission in described NFC antenna 11 and near field transmits with radiofrequency signal form, wherein, described
The frequency of radiofrequency signal is 13.56MHz.
That is untouchable front end of CLF chip 12 is also referred to as NFC controller, and its function includes the modulation /demodulation of radiofrequency signal, non-
The protocol processes of contact communication.On the one hand non-contact front-end connects radio-frequency antenna, it is achieved the transmission of 13.56MHz signal and reception,
On the other hand with safety chip communication.
CLF chip 12 is connected with the central processing unit 21 in described NFC antenna 11 and mobile terminal 2, for described NFC
The transaction data of antenna 11 transmission processes.Described central processing unit 21 realizes the basic function of mobile terminal 2, such as numeral
Communication, power supply, data input, output etc., central processing unit 21 connects CLF chip 12 and pasting card 14 (SE mould respectively
Block), and communicate respectively.CLF chip 12 is connected with pasting card 14 (i.e. SE module), radio signal transmission is changed
Process for passing to the safety chip (SE) in pasting card 14 after digital signal, it is achieved corresponding business function.
HCE technology realizes (HCE service) by system service.The big advantage using service is that it can be always rear
Platform has operated without user interface.This feature allows for HCE technology and is especially suitable for as member card, transportation card, access card
This kind of transaction, when user uses without opening program, it is only necessary to be put in the identification range of NFC reader by mobile phone, hands over
Easily will carry out on backstage.Certainly if necessary, user can also open UI interface.At this moment mobile phone and common intelligence
Energy card is the most as broad as long.
HCE application program module 13 is connected with described CLF chip 12, the number of deals after processing according to CLF chip 12
According to carrying out corresponding transactional operation.HCE application program module 13 is customizable APP application.In the present embodiment, institute
State CLF chip 12 to be also connected with the operating system in described mobile terminal 2 with described HCE application program module 13, described
Transaction data after CLF chip 12 will process sends the operating system to described mobile terminal 2, in described mobile terminal 2
The transaction data received is forwarded to described HCE application program module 13 by operating system again.
Further, described HCE application program module 13 receive CLF chip 12 process after transaction data time, to
Described pasting card 14 sends instruction, so that the safety chip in described pasting card 14 is to described transaction data and described transactional operation
Be encrypted, safety stores and certification.
Wherein, described HCE application program module 13 operating system in described mobile terminal 2 in advance is registered.
Pasting card 14 is fitted with the SIM 22 in described mobile terminal 2 and is connected with described HCE application program module 13,
It is integrated with safety chip in described pasting card 14, for described transaction data and described transactional operation are encrypted, stores safely
And certification.It is to say, described safety chip is mainly responsible for safety storage and the calculation function of transaction critical data, such as, store
Financial payment accounts information, carries out encryption and decryption process to the message of process of exchange.
In the present embodiment, being configured with the some application for financial transaction in described safety chip, the most described safety chip is deposited
Contain financial payment accounts information and corresponding related credentials.
Under HCE-pasting card 14 pattern, the data that NFC chip receives are forwarded to operating system after being changed by CLF module,
And application-specific App (registration the most in an operating system) sent out is opened up by the operating system side of being forwarded to pair.
Specifically, safety chip i.e. SE module is integrated in pasting card 14, is written with related application (such as silver in safety chip
Connection debt-credit note application, Unionpay's electronic wallet application etc.), and store financial payment accounts information and related credentials, can realize with
NFC card-reading apparatus (NFC Reader), such as Unionpay's POS, interact certification, and the message of process of exchange is carried out
Encryption and decryption processes.SE (Secure Elemen) module provides the safety to sensitive information to store and provides a peace to trade transactions
Full execution environment.The order received from external reader, as non-contact communication front end, is forwarded to SE, so by NFC chip
After by SE process, and replied by CLF chip 12.
After described HCE application program module 13 receives data, the safety chip (SE module) in pasting card 14 sends
Dependent instruction, the safety chip (SE module) calling pasting card 14 completes the Business Processing that near field payment is relevant.
In sum, the present invention is by being encrypted transaction data and transactional operation, pacify in safety chip being integrated in pasting card
Full storage and certification, and carry out corresponding transactional operation by HCE application program module, the restriction of SWP, nothing can be avoided
Needing mobile terminal to support SWP single-wire-protocol, without mobile terminal being carried out the change of hardware or software view, i.e. can realize
CLF chip communicates with the connection of safety chip (SE module).The present invention is economical and practical, has general mobile terminal generally
Adaptability.So, the present invention effectively overcomes various shortcoming of the prior art and has high industrial utilization.
The principle of above-described embodiment only illustrative present invention and effect thereof, not for limiting the present invention.Any it is familiar with this skill
Above-described embodiment all can be modified under the spirit and the scope of the present invention or change by the personage of art.Therefore, such as
All that in art, tool usually intellectual is completed under without departing from disclosed spirit and technological thought etc.
Effect is modified or changes, and must be contained by the claim of the present invention.
Claims (10)
1. a NFC payment system based on HCE, is applied to be configured with in the mobile terminal of SIM, it is characterised in that institute
State NFC payment system based on HCE to include:
NFC antenna, for being traded the transmission of data with the NFC card-reading apparatus near field；
CLF chip, is connected with the central processing unit in described NFC antenna and mobile terminal, for described NFC antenna
The transaction data of transmission processes；
HCE application program module, is connected with described CLF chip, and the transaction data after processing according to CLF chip enters
The corresponding transactional operation of row；
Pasting card, fits with the SIM in described mobile terminal and is connected with described HCE application program module, described patch
It is integrated with safety chip in film card, is used for described transaction data and described transactional operation being encrypted, storing safely and certification.
A kind of NFC payment system based on HCE the most according to claim 1, it is characterised in that described CLF chip and
Described HCE application program module is also connected with the operating system in described mobile terminal, after described CLF chip will process
Transaction data sends the operating system to described mobile terminal, the friendship that the operating system in described mobile terminal will receive again
Easily data are forwarded to described HCE application program module.
A kind of NFC payment system based on HCE the most according to claim 2, it is characterised in that described HCE application journey
During sequence module transaction data after receiving CLF chip and processing, send instruction to described pasting card, so that described pasting card
Described transaction data and described transactional operation are encrypted by interior safety chip, safety stores and certification.
A kind of NFC payment system based on HCE the most according to claim 1 and 2, it is characterised in that described HCE should
Register with in the program module in advance operating system in described mobile terminal.
A kind of NFC payment system based on HCE the most according to claim 1, it is characterised in that join in described safety chip
Being equipped with the some application for financial transaction, the most described safety chip storage has financial payment accounts information and corresponding being correlated with
Certificate.
A kind of NFC payment system based on HCE the most according to claim 1, it is characterised in that described NFC antenna with
The transaction data of the NFC card-reading apparatus transmission near field transmits with radiofrequency signal form.
A kind of NFC payment system based on HCE the most according to claim 6, it is characterised in that the frequency of described radiofrequency signal
Rate is 13.56MHz.
8. a NFC based on HCE pays mobile terminal, it is characterised in that in described mobile terminal, configuration is just like claim
NFC payment system based on HCE described in 1 to claim 7 any claim.
NFC based on HCE the most according to claim 8 pays mobile terminal, it is characterised in that described mobile terminal is tool
Standby NFC function and the mobile terminal of HCE function.
NFC based on HCE the most according to claim 8 pays mobile terminal, it is characterised in that described mobile terminal is
Smart mobile phone, PAD or palm PC.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510318779.6A CN106296162A (en) | 2015-06-11 | 2015-06-11 | A kind of NFC payment system based on HCE and mobile terminal |
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| CN201510318779.6A CN106296162A (en) | 2015-06-11 | 2015-06-11 | A kind of NFC payment system based on HCE and mobile terminal |
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Application publication date: 20170104 |