CN101193135A - Stacked card combination - Google Patents
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Abstract
本发明有关一种迭层卡组合。通信终端的迭层卡组合包括做成标准SIM卡形状并具有第一啮合机构的交易卡;以及挠性SIM薄片,用于执行通信终端的通信作业,具有第二啮合机构,与交易卡的第一啮合机构啮合,使得挠性SIM薄片可迭层于交易卡上,以插入通信终端的标准SIM插槽,能有效整合多种用途。
The present invention relates to a combination of laminated cards. The laminated card combination for a communication terminal includes a transaction card in the shape of a standard SIM card and having a first engaging mechanism; An engaging mechanism engages, so that the flexible SIM sheet can be stacked on the transaction card to be inserted into the standard SIM slot of the communication terminal, which can effectively integrate multiple purposes.
Description
技术领域 technical field
本发明有关整合卡系统,尤指一种用于通信终端(如移动电话)的迭层卡组合。The invention relates to an integrated card system, especially a stacked card combination for a communication terminal (such as a mobile phone).
背景技术 Background technique
一般来说,为提供网络用户多样化的服务,有许多种电信网络已建立。由电信网络所供应的最广为使用与熟知的服务当然非移动电话服务莫属,如手机。同时,为了使电子装置的功能提供更多服务,多种具有特殊电路表面接触卡已广泛使用于电子装置。举例来说,用户识别模块(SIM)卡可放置于手提电话,SIM卡持有者得以使用电话的功能。再者,部份电信网络提供其它有关金融业务操作与交易的服务。然而,SIM卡仅仅包含使用者的基本数据,以提供网络用户多样化的服务。因为可携式电话内的SIM无法提供更进一步的信息,所以当进行金融业务操作与交易的服务时,在电信网络间同时会有大量的数据传输。In general, many types of telecommunication networks have been established to provide diverse services to network users. The most widely used and well-known service provided by telecommunication networks is of course mobile telephony services, such as cell phones. At the same time, in order to make the functions of the electronic device provide more services, various surface contact cards with special circuits have been widely used in the electronic device. For example, a Subscriber Identity Module (SIM) card can be placed in a mobile phone, allowing the SIM card holder to use the phone's functions. Furthermore, some telecommunications networks provide other services related to financial business operations and transactions. However, the SIM card only contains the basic data of the user to provide diversified services for network users. Since the SIM in the portable phone cannot provide further information, a large amount of data will be transmitted between the telecommunication networks when performing financial business operations and transaction services.
此外,IC卡可做多项应用,如消费时付款(即“金融卡”)、拨打公共电话的电话卡、停车费、通行费、移动电话(如SIM卡)、大众运输系统、或电子钱包。种种的应用总是与某些特定卡有关,如金融卡、电话卡、停车卡、以及GSM(Global System of Mobile,全球移动通信系统)电话的SIM卡等。In addition, IC cards can be used in many applications, such as payment at the time of consumption (ie "financial card"), telephone card for calling public telephones, parking fees, tolls, mobile phones (such as SIM cards), public transportation systems, or electronic wallets. Various applications are always related to certain specific cards, such as financial cards, telephone cards, parking cards, and SIM cards for GSM (Global System of Mobile, Global System for Mobile Communications) phones.
在实际应用时,因信用卡和现金卡遭窃或伪造所产生的问题日益严重,各方积极作为,欲减低上述的风险。诸多解决办法纷纷出笼,包括时间限制、限制提取、副本加密以及持卡者身分认证,认证方式包罗万象,从个人识别码(PIN)、指纹辨识到一次性密码等。尽管有许多防护数据外泄的方法,然而,不肖之徒总是能以高门坎技术,排除万难,想出破解之道。In practical application, the problems caused by the theft or counterfeiting of credit cards and cash cards are becoming more and more serious, and all parties are actively trying to reduce the above-mentioned risks. A number of solutions have been proposed, including time limits, restricted withdrawals, copy encryption, and cardholder identity verification, which includes everything from personal identification numbers (PINs) and fingerprint recognition to one-time passwords. Although there are many ways to prevent data leakage, unscrupulous people can always use high-threshold technology to overcome all difficulties and come up with a way to crack it.
再者,关于移动电话或电子钱包作为支付工具的议题已被广泛讨论,利用电子钱支付大笔款项的比例亦日与俱增。伪造/复制的电话及SIM卡的问题已存在多时,而使用电话及SIM卡的付费功能会加剧上述风险。Furthermore, the topic of using mobile phones or electronic wallets as payment tools has been widely discussed, and the proportion of using electronic money to pay large sums of money is also increasing day by day. The problem of counterfeit/duplicate phones and SIM cards has existed for a long time, and the use of phone and SIM card payment functions will exacerbate the above risks.
其中,在日常使用这么多种卡片中最容易遇到的问题莫过于要使用卡片的当下却发现无法使用,无论是忘了带出门、卡片的储值用完亦或过期失效。此外,要管理以及携带各种卡片实在很不方便。于是,所谓的“多功能卡”于是产生。Among them, the most common problem encountered in the daily use of so many cards is that the card cannot be used when it is used, whether it is forgotten to take it out, the stored value of the card is used up, or it has expired. In addition, it is very inconvenient to manage and carry various cards. Thus, the so-called "multi-function card" was produced.
虽然多功能卡在技术上可行,但实际上却很难实施。同时,现有技术无法将SIM卡与金融卡结合,以整合多项用途。因此,现今最亟需的是可用于通信终端的整合SIM卡系统。发明人提出通过与通信终端配合使用的双卡系统,能有效整合多项功能于一身,并可改正现有的缺点和解决上述问题。While multifunction cards are technically possible, they are difficult to implement in practice. At the same time, the existing technology cannot combine the SIM card with the financial card to integrate multiple purposes. Therefore, the most urgent need now is an integrated SIM card system that can be used for communication terminals. The inventor proposes that the dual-card system used in conjunction with the communication terminal can effectively integrate multiple functions, correct existing shortcomings and solve the above-mentioned problems.
发明内容 Contents of the invention
本段辑取了本发明的某些特色,而其它体现本发明特征与优点的一些典型实施方式将在后段的说明中详细叙述。应理解的是本发明能够在不同的形式上具有各种的变化,其皆不脱离本发明的范围,且其中的说明及附图在本质上当作说明之用,而非用以限制本发明。Some features of the present invention are collected in this paragraph, and some typical implementations embodying the features and advantages of the present invention will be described in detail in the description in the following paragraphs. It should be understood that the present invention is capable of various changes in different forms without departing from the scope of the present invention, and that the description and drawings thereof are illustrative in nature and not limiting of the present invention.
有鉴于现有技术受限于上述的问题。本发明的目的为提供一种用于移动电话的整合SIM卡迭层卡组合,通过与通信终端配合使用的双卡系统,能有效整合多项功能于一身,尤其是结合移动电话的SIM卡及多功能卡以达到多重应用的目的。In view of the prior art being limited by the above-mentioned problems. The purpose of the present invention is to provide an integrated SIM card laminated card combination for mobile phones, which can effectively integrate multiple functions into one body through a dual-card system used in conjunction with a communication terminal, especially in combination with the SIM card and SIM card of a mobile phone. Multi-function card to achieve the purpose of multiple applications.
为达上述目的,本发明的较广义实施方式为提供一种用于通信终端的迭层卡组合,包括做成标准SIM卡形状并具有第一啮合机构的交易卡;及挠性SIM薄片,用于执行通信终端的通信作业,具有第二啮合机构,与上述交易卡的第一啮合机构啮合,使得挠性SIM薄片可迭层于交易卡上,以插入通信终端的标准SIM插槽。For reaching above-mentioned object, the broader embodiment of the present invention is to provide a kind of laminated card combination that is used for communication terminal, comprises the transaction card that makes standard SIM card shape and has first engagement mechanism; And flexible SIM sheet, uses For carrying out the communication operation of the communication terminal, there is a second engaging mechanism engaged with the first engaging mechanism of the transaction card, so that the flexible SIM sheet can be stacked on the transaction card to be inserted into the standard SIM slot of the communication terminal.
根据本发明的构想,第一啮合机构可为开口,而第二啮合机构可为凸部。According to the idea of the present invention, the first engaging mechanism may be an opening, and the second engaging mechanism may be a protrusion.
根据本发明的构想,作为第一啮合机构的开口周围具有多个凸缘,作为第二啮合机构的凸部具有多个凹口与多个凸缘对应啮合。According to the idea of the present invention, there are multiple flanges around the opening as the first engaging mechanism, and the convex part as the second engaging mechanism has multiple notches to engage with the multiple flanges correspondingly.
根据本发明的构想,作为第一啮合机构的开口周围有多个凹口,作为第二啮合机构的凸部具有多个凸缘与多个凹口对应啮合。According to the idea of the present invention, there are multiple notches around the opening as the first engaging mechanism, and the convex part as the second engaging mechanism has a plurality of flanges to engage with the plurality of notches correspondingly.
根据本发明的构想,第一啮合机构为凸部,而第二啮合机构为开口。According to the idea of the present invention, the first engaging mechanism is a protrusion, and the second engaging mechanism is an opening.
根据本发明的构想,作为第二啮合机构的开口周围有多个凸缘,作为第一啮合机构的凸部具有多个凹口与多个凸缘对应啮合。According to the idea of the present invention, there are multiple flanges around the opening as the second engaging mechanism, and the convex part as the first engaging mechanism has multiple notches to engage with the multiple flanges correspondingly.
根据本发明的构想,作为第二啮合机构的开口周围有多个凹口,作为第一啮合机构的凸部具有多个凸缘与多个凹口对应啮合。According to the idea of the present invention, there are multiple notches around the opening as the second engaging mechanism, and the convex part as the first engaging mechanism has a plurality of flanges correspondingly engaged with the plurality of notches.
根据本发明的构想,交易卡还包括第一内存,安装有信用卡的操作系统。According to the idea of the present invention, the transaction card also includes a first memory, which is installed with a credit card operating system.
根据本发明的构想,第一内存可为只读存储器(ROM)。According to the concept of the present invention, the first memory may be a read only memory (ROM).
根据本发明的构想,交易卡还包括第二内存,用以储存与运输费用应用程序、红利回馈系统、会员VIP管理、银行移动付款、电影院电子票务管理以及商店电子折价券管理等相关的应用数据。According to the idea of the present invention, the transaction card also includes a second memory for storing application data related to transportation fee application programs, bonus reward system, member VIP management, bank mobile payment, movie theater electronic ticket management, and store electronic discount coupon management. .
根据本发明的构想,第二内存为电子抹除式可编程只读存储器(EEPROM)。According to the concept of the present invention, the second memory is an electronically erasable programmable read-only memory (EEPROM).
根据本发明的构想,迭层卡组合还包括耦接于交易卡的天线。According to the idea of the present invention, the laminated card combination further includes an antenna coupled to the transaction card.
根据本发明的构想,通信终端包括移动电话及个人数字助理。According to the idea of the present invention, the communication terminal includes a mobile phone and a personal digital assistant.
根据本发明的构想,有镭射防伪卷标印刷于交易卡上。According to the idea of the present invention, a laser anti-counterfeiting label is printed on the transaction card.
附图说明 Description of drawings
为使本发明的上述目的、特征和优点更浅显易懂,下文特举优选实施方式,并配合所附图示,作详细说明如下:In order to make the above-mentioned purposes, features and advantages of the present invention easier to understand, the preferred implementation modes are specifically cited below, together with the accompanying drawings, and are described in detail as follows:
图1为本发明的交易卡一表面的示意图;Fig. 1 is a schematic diagram of a surface of a transaction card of the present invention;
图2为本发明的交易卡另一表面的示意图;Fig. 2 is a schematic diagram of another surface of the transaction card of the present invention;
图3为本发明的挠性SIM薄片一表面的示意图;3 is a schematic diagram of a surface of a flexible SIM sheet of the present invention;
图4为本发明的挠性SIM薄片另一表面的示意图;4 is a schematic diagram of another surface of the flexible SIM sheet of the present invention;
图5为本发明的迭层卡组合与可拆卸天线的优选实施方示示意图。FIG. 5 is a schematic diagram of a preferred embodiment of the stacked card combination and the detachable antenna of the present invention.
主要组件符号说明Explanation of main component symbols
20 交易卡20 trading cards
21 内存模块21 memory modules
211 ROM211 ROM
212 EEPROM212 EEPROM
22 第一啮合机构22 The first meshing mechanism
221 凸缘221 Flange
23 切割斜边23 cut beveled edge
24 表面24 surface
26 表面26 surface
27 镭射防伪卷标27 Laser anti-counterfeiting label
30 挠性SIM薄片30 flexible SIM sheets
31 SIM内存模块31 SIM memory module
32 第二啮合机构32 Second engagement mechanism
321 凹口321 notch
40 天线40 antennas
具体实施方式 Detailed ways
体现本发明特征与优点的一些实施方式将在后段的说明中详细叙述。应理解的是本发明能够在不同的形式上具有各种的变化,其皆不脱离本发明的范围,且其中的说明及附图在本质上当作说明之用,而非用以限制本发明。Some implementations embodying the features and advantages of the present invention will be described in detail in the description in the following paragraphs. It should be understood that the present invention is capable of various changes in different forms without departing from the scope of the present invention, and that the description and drawings thereof are illustrative in nature and not limiting of the present invention.
请参照图1至图4。图1与图2分别显示本发明的交易卡的两个表面;图3与图4分别显示本发明的挠性SIM薄片的两个表面。如前所述,迭层卡组合包括交易卡20及挠性SIM薄片30。同时交易卡20,如图1与图2所示,包括第一啮合机构22并做成标准SIM卡的形状。交易卡20具有内存模块21,置于交易卡20的一个表面24(如图1所示),用以储存相关数据及信息。交易卡20的内存模块21还包括ROM 211的第一内存和EEPROM 212的第二内存。ROM 211可包括信用卡系统。EEPROM 212可包括与运输费用应用程序、红利回馈系统、会员VIP管理、银行移动付款、电影院电子票务管理以及商店电子折价券管理等相关的应用数据。因此,交易卡20可提供信用卡与多功能卡的整合功能。Please refer to Figure 1 to Figure 4. Fig. 1 and Fig. 2 respectively show the two surfaces of the transaction card of the present invention; Fig. 3 and Fig. 4 respectively show the two surfaces of the flexible SIM sheet of the present invention. As previously mentioned, the laminated card combination includes a
在本实施方式中,交易卡20为标准可插入的尺寸,大约长25毫米、宽15毫米、厚度较1毫米薄。此外,为确保交易卡20能以正确的方向插入移动电话,切割长方形卡的一角,形成切割斜边23,从而卡片的一个边缘的长度约略缩减为21毫米,而其相邻边缘的宽度约略缩减为12毫米。卡片只能以一斜角在正确方向插入电话中。镭射防伪卷标27形成于交易卡20另一个表面26(如图2所示)。In this embodiment, the
另一方面,迭层卡组合还包含挠性SIM薄片30,如图3与图4所示,用以执行通信终端的通信作业。同时,挠性SIM薄片30具有第二啮合机构32,与该交易卡的第一啮合机构22啮合,使得挠性SIM薄片30可迭于交易卡20上,以插入通信终端的标准SIM插槽。本实施方式中,第一啮合机构22可为开口,而第二啮合机构32可为凸部。开口周围具有多个凸缘221,凸部具有多个凹口321与多个凸缘221对应啮合。本发明的第一啮合机构可为凸部,则第二啮合机构为开口。开口周围具有多个凸缘,凸部相对地具有多个凹口与多个凸缘对应啮合;或是开口周围具有多个凹口,凸部相对地具有多个凸缘与多个凹口对应啮合。On the other hand, the laminated card combination also includes a
在实际应用时,本发明的迭层卡组合可应用于可携式装置。本实施方式中,可携式装置为移动电话或个人数字助理。交易卡20与挠性SIM薄片30可一起插入SIM插槽中。本实施方式中,迭层卡组合整合了移动电话(挠性SIM薄片30)与信用卡(交易卡20)的功能。In actual application, the stacked card combination of the present invention can be applied to portable devices. In this embodiment, the portable device is a mobile phone or a personal digital assistant. The
图5进一步说明交易卡20与挠性SIM薄片30的关系。根据图1至图5,交易卡20具有内存模块21,嵌入或是安装于交易卡20的表面24(如图1所示),还具有切割斜边23,用来引导使用者以正确的方向插入交易卡20。如前所述,切割斜边23为用来引导插入标准SIM卡载架或插槽。在本实施方式中,交易卡20为标准SIM卡形状,但具有内存模块21(信用卡与多功能卡)中ROM 211的第一内存以及EEPROM 212的第二内存。再者,镭射防伪卷标27形成于交易卡20的另一个表面26(如图2所示)。FIG. 5 further illustrates the relationship of the
交易卡20的基板可由和制作信用卡类似的塑料材料制成。交易卡20的材料、形状及大小适用于移动电话中的标准SIM卡。ROM 211可包括信用卡系统;EEPROM 212可包括与运输费用应用程序、红利回馈系统、会员VIP管理、银行移动付款、电影院电子票务管理以及商店电子折价券管理等相关的应用数据。因此,交易卡20可提供信用卡与多功能卡的功能。同时,镭射防伪卷标可印制于交易卡20上。The base plate of the
再者,挠性SIM薄片30包括SIM内存模块31嵌入或安装于卡片33的一个表面。在本实施方式中,挠性SIM薄片30较交易卡20更薄。当挠性SIM薄片30与交易卡20啮合,其厚度与移动电话的标准SIM卡几乎相同。Furthermore, the
本实施方式另一特征为迭层卡组合还包括耦接于交易卡20的天线40。如图5所示,交易卡20与挠性SIM薄片30之间有一部份的天线40被剪去,然而,第二啮合机构32和第一啮合机构22相互啮合。再者,为了与外部通信装置联系,天线40具有两个终端(未图标),分别和交易卡20的内存模块21的接点L1及接点L2通电,将天线40耦接于交易卡20。实际上,天线40可为挠性。由于内存模块21可与外部交易装置联系,如信用卡卡片阅读机,经由电子信号的传送与接收,通过空气来使用可携式通信装置的RF(Radio Frequency,射频)模块,服务供货商可识别交易卡20中的使用者密码或装置密码。此方法使得服务供货商可确定交易卡20的通信参数。交易卡20通过交易装置,以电子信号的形式传送及接收信息。本实施方式中,天线40耦接于交易卡20以达到近端通信(非接触式应用)。交易卡20经由电子信号的传送接收,通过空气来使用天线40以和交易装置通信。应注意的是天线40为用于非接触式近端通信(Near Field Communication,NFC)的低功耗天线,不同于一般可携式通信装置的天线。非接触式交易的优点更甚于接触式卡片,例如可更迅速完成交易、方便使用等。Another feature of this embodiment is that the laminated card combination further includes an
经由交易卡20,非接触式交易的交易装置的数据传送与读取,通过天线40传送RF信号来达成。当使用者将具有非接触式交易功能的交易卡20贴近卡片阅读机感应范围内时,卡片阅读机便可经由天线40读取内存模块21内的识别数据。当非接触式交易用于运输系统时,卡片内的内存模块21内建有用户账号信息或扣款记录。使用者可存取或更新账户信息。如前所述,交易卡20及挠性SIM薄片30能从可携式装置的插槽卸除。挠性SIM薄片30及交易卡20能以塑料材料制成,并且结合成标准尺寸SIM卡,以插入移动电话的卡片插槽。天线40可为一段线,以印刷的方式形成。此外,射频识别(RFID)的技术可用于挠性SIM薄片的第二啮合机构32,或是交易卡20的内存模块21。RFID系统通常是由天线、收发器(常与读取器结合)及转发器(即标签)所组成。天线利用射频信号来传送启动转发器的信号。启动后,卷标将数据传回天线。此数据用来通知可程序逻辑控制器应有动作发生。其动作可如提升存取闸一样的简单,或如中介数据库以执行金融交易一样的复杂。同时,RFID模块的天线可用于挠性SIM薄片的第二啮合机构32、交易卡20的内存模块21或两者皆可。因此,本发明的迭层卡组合提供不须接触或扫描的附加服务。Through the
总而言之,本发明提出一种用于通信终端的迭层卡组合,经由无接触交易来使用付款功能、其尺寸可容易地置于移动电话中。尤其,本发明的交易卡还包括ROM和EEPROM,用以储存信用卡系统的信息,及多功能卡的系统的信息,如与运输费用应用程序、红利回馈系统、会员VIP管理、银行移动付款、电影院电子票务管理以及商店电子折价券管理等相关的应用数据。因此,本发明的迭层卡组合可进一步提供信用卡与多功能卡的功能,改正了现有的缺点、克服在应用上的障碍且解决了上述问题。In summary, the present invention proposes a stacked card combination for a communication terminal to use payment functions via contactless transactions, the size of which can be easily placed in a mobile phone. In particular, the transaction card of the present invention also includes ROM and EEPROM, which are used to store the information of the credit card system, and the information of the multi-function card system, such as application programs related to transportation expenses, bonus reward system, member VIP management, bank mobile payment, movie theater Application data related to electronic ticket management and store electronic discount coupon management. Therefore, the laminated card combination of the present invention can further provide the functions of a credit card and a multi-function card, correct existing shortcomings, overcome obstacles in application, and solve the above-mentioned problems.
纵使本发明已由上述的实施方式详细叙述而可由本领域普通技术人员做出各种修改和改动,然而皆不脱离所附权利要求书所要求保护的范围。Even though the present invention has been described in detail by the above embodiments, various modifications and changes can be made by those skilled in the art without departing from the scope of protection required by the appended claims.
Claims (14)
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Cited By (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101719943A (en) * | 2009-11-10 | 2010-06-02 | 神州付(北京)软件技术有限公司 | Separate type mobile telephone card paste |
WO2011035686A1 (en) * | 2009-09-23 | 2011-03-31 | 钒创科技股份有限公司 | Antenna device |
US9426127B2 (en) | 2012-05-02 | 2016-08-23 | Visa International Service Association | Small form-factor cryptographic expansion device |
WO2017080208A1 (en) * | 2015-11-13 | 2017-05-18 | 乐视控股(北京)有限公司 | Card-reading device and portable apparatus |
US9686235B2 (en) | 2011-07-20 | 2017-06-20 | Visa International Service Association | Mobile banking system with cryptographic expansion device |
CN108320010A (en) * | 2016-12-09 | 2018-07-24 | 第资本服务有限责任公司 | Transactional cards with safe magnetic band and its manufacturing method |
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2006
- 2006-11-20 CN CNA200610149720XA patent/CN101193135A/en active Pending
Cited By (7)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2011035686A1 (en) * | 2009-09-23 | 2011-03-31 | 钒创科技股份有限公司 | Antenna device |
CN101719943A (en) * | 2009-11-10 | 2010-06-02 | 神州付(北京)软件技术有限公司 | Separate type mobile telephone card paste |
US9686235B2 (en) | 2011-07-20 | 2017-06-20 | Visa International Service Association | Mobile banking system with cryptographic expansion device |
US9426127B2 (en) | 2012-05-02 | 2016-08-23 | Visa International Service Association | Small form-factor cryptographic expansion device |
US9762551B2 (en) | 2012-05-02 | 2017-09-12 | Visa International Service Association | Small form-factor cryptographic expansion device |
WO2017080208A1 (en) * | 2015-11-13 | 2017-05-18 | 乐视控股(北京)有限公司 | Card-reading device and portable apparatus |
CN108320010A (en) * | 2016-12-09 | 2018-07-24 | 第资本服务有限责任公司 | Transactional cards with safe magnetic band and its manufacturing method |
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