CN204303007U - A kind of smart payment card - Google Patents

Abstract

The utility model discloses an intelligent payment card, which comprises a microcontroller unit, an NFC interface, a fingerprint sensor, a nonvolatile memory, a battery module and a payment card shell; the NFC interface, the fingerprint sensor, the nonvolatile memory and the The battery modules are respectively connected to the microcontroller unit through cables, and the microcontroller unit, the NFC interface, the fingerprint sensor, the non-volatile memory and the battery module are arranged in the payment card housing; the NFC interface and the NFC reader of the external merchant The writer communicates and performs information interaction to realize near-field payment, and the battery module is used to supply power to the microcontroller unit. The smart payment card of the utility model can realize the non-contact payment function, and at the same time realize the strict verification of the identity of the account user through the fingerprint sensor, which ensures the safety of the mobile payment process, and is suitable for popularization and use in payment occasions with high safety requirements and financial institutions .

Description

A smart payment card

technical field

The utility model relates to a payment card, in particular to an intelligent payment card, which belongs to the technical field of intelligent payment.

Background technique

With the popularization of mobile payment, more and more consumers adopt mobile payment mode instead of cash and credit card consumption mode. The current mobile payment method is mainly mobile payment, that is, the mobile phone is used as a mobile payment tool, and the payment technologies used mainly include three types:

1) Near-field payment: using RFID, NFC and other technologies to realize near-distance non-contact payment, also known as mobile phone card payment, using the built-in payment chip in the mobile phone to realize consumption activities such as car rides and shopping.

2) Mobile phone SMS payment: use the mobile phone number as the account ID, and complete the payment activity by receiving the verification SMS sent by the payment institution.

3) Mobile Internet payment: that is, to connect to the website of the payment institution with the help of a mobile phone, interact with the website of the payment institution, and complete the payment activity.

The above three mobile payment modes all rely on the mobile phone as the hardware carrier and the mobile phone number as the identity code of the personal account. Obviously, there are certain defects in security: First, the mobile phone is not designed for payment, even if it is specially designed for mobile payment. Smartphones designed by the Internet are still derivatives of personal computers, with complex hardware systems and vulnerable software, so they are not secure payment terminals. Secondly, a mobile phone number is not an ID number, and it is inconvenient to use as an identity or account identification code, because a person may have multiple mobile phones, and the acquisition of mobile phone numbers cannot be strictly real-named, and mobile phones are easy to be stolen. It will also take a certain amount of time to retrieve the number of the stolen mobile phone from the communication operator after the theft. These factors make the mobile payment method not safe enough. Under the situation of rapid development of mobile payment, it is necessary to improve the existing mobile payment mode and invent a special, safe and non-contact payment device that can strictly verify the identity of the account.

Utility model content

The purpose of the utility model is to solve the defects of the above-mentioned prior art, and provide an intelligent payment card capable of realizing the function of mobile payment and realizing personal identification by verifying fingerprints.

The purpose of this utility model can be achieved by taking the following technical solutions:

A smart payment card, comprising a microcontroller unit, an NFC interface, a fingerprint sensor, a nonvolatile memory, a battery module, and a payment card housing; Connected with the microcontroller unit, the microcontroller unit, NFC interface, fingerprint sensor, non-volatile memory and battery module are arranged in the payment card shell; the NFC interface communicates with the NFC reader-writer of the external merchant, Information exchange is used to realize near-field payment, and the battery module is used to supply power to the microcontroller unit.

As an implementation, the microcontroller unit includes CPU, RAM and ROM.

As an implementation, the NFC interface includes a connected NFC chip and an antenna.

As an implementation, the non-volatile memory is a FLASH memory.

As an embodiment, the battery module is a lithium battery module.

The working principle of the smart payment card of the utility model is: before work, the account and identity information is entered into the non-volatile memory of the smart payment card in the form of encrypted data by the payment institution or financial institution; Put the smart payment card close to the NFC reader of the external merchant, and the NFC interface of the smart payment card will communicate with the NFC reader to exchange payment information. When the identity information of the payer needs to be verified, the consumer will send the fingerprint data to Pass it to the microcontroller unit, and the microcontroller unit compares the fingerprint data with the fingerprint identity information stored in the non-volatile memory to verify whether the consumer has legal use rights. If the verification is passed, the NFC reader will be sent Issue an instruction to complete the payment.

Compared with the prior art, the utility model has the following beneficial effects:

1. The smart payment card of the present invention realizes the near-field payment function through the NFC interface, can realize non-contact payment, and realizes strict verification of the identity of the account user through the fingerprint sensor, ensuring the security of the mobile payment process.

2. As a special payment device, the smart payment card of the present invention is more secure than mobile phones in mobile payment. Even if it is stolen, it cannot be used by the thief, so it is more suitable for payment occasions with higher security requirements and financial institutions. Promotional use.

Description of drawings

Fig. 1 is a schematic structural diagram of a smart payment card according to Embodiment 1 of the present invention.

Fig. 2 is a schematic diagram of the connection between the smart payment card in Embodiment 2 of the present invention and various external NFC readers.

Among them, 1-microcontroller unit, 2-NFC interface, 3-fingerprint sensor, 4-non-volatile memory, 5-battery module, 6-payment card shell.

Detailed ways

The specific implementation of the smart payment card of the present invention will be described in detail below in conjunction with the accompanying drawings.

Example 1:

As shown in Figure 1, the smart payment card of this embodiment includes a microcontroller unit 1, an NFC interface 2, a fingerprint sensor 3, a nonvolatile memory 4, a battery module 5 and a payment card housing 6; the NFC interface 2, Fingerprint sensor 3, nonvolatile memory 4 and battery module 5 are respectively connected with microcontroller unit 1 by cable, and described microcontroller unit 1, NFC interface 2, fingerprint sensor 3, nonvolatile memory 4 and battery module 5 is set in the payment card housing 6; wherein:

The micro-controller unit 1 is the computing core of the whole device, and is used to control the work of other modules. It generally includes CPU, RAM and ROM. What adopts is the STM32 series, and the specific model is a single-chip microcomputer of STM32F103C8T6.

The NFC interface 2 includes a connected NFC chip and an antenna, which communicate with an NFC reader of an external merchant to perform information interaction to realize near-field payment.

The fingerprint sensor 3 is used to verify the identity of the owner of the smart payment card and realize the security verification function in the payment process.

The non-volatile memory 4 is used to store account information, fingerprint identity information and various temporary data, and it is preferably a FLASH memory.

The battery module 5 is used for powering the microcontroller unit 1, and it preferably adopts a lithium battery module.

The working principle of the smart payment card of this embodiment is as follows:

1) The account and identity information is entered into the non-volatile memory 4 in the form of encrypted data by the payment institution or financial institution before work;

2) When working, the consumer puts the smart payment card close to the NFC cash register of the merchant (the NFC cash register is a kind of NFC reader-writer), and the NFC interface 2 of the smart payment card communicates with the NFC cash register. Interactive payment information, when it is necessary to verify the identity information of the payer, the consumer passes the fingerprint data to the microcontroller unit 1 through the fingerprint sensor 3, and the microcontroller unit 1 passes the fingerprint data with the stored in the non-volatile memory. The fingerprint identity information is compared to verify whether the consumer has the legal right to use it. If the verification is passed, an instruction is sent to the NFC cash register to complete the payment.

The above working principles are all realized by adopting the prior art.

To sum up, the smart payment card of this embodiment can realize the non-contact payment function, and at the same time realize the strict verification of the identity of the account user through the fingerprint sensor, which ensures the safety of the mobile payment process, and is suitable for payment occasions with high security requirements and promoted by financial institutions.

Example 2:

As shown in Figure 2, the payment functions that can be realized by the smart payment card of this embodiment specifically include:

1) Complete the purchase of goods or services by interacting the smart payment card with the NFC cash register connected to the merchant's computer.

2) Complete refueling payment by interacting the smart payment card with the NFC reader connected to the refueling device.

3) By interacting with the NFC reader connected to the ATM with the smart payment card, transactions such as account inquiry, transfer or cash deposit and withdrawal are completed.

The specific structural features and principles of the smart payment card in this embodiment are the same as those in Embodiment 1.

The above is only a preferred embodiment of the utility model patent, but the scope of protection of the utility model patent is not limited thereto, any skilled person familiar with the technical field within the disclosed scope of the utility model patent, according to The technical scheme of the utility model patent and the equivalent replacement or change of the utility model concept all belong to the protection scope of the utility model patent.

Claims (5)

1. a smart payment card, is characterized in that: comprise micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory, battery module and Payment Card shell; Described NFC interface, fingerprint sensor, nonvolatile memory are connected with micro controller unit respectively by cable with battery module, and described micro controller unit, NFC interface, fingerprint sensor, nonvolatile memory and battery module are arranged in Payment Card shell; Described NFC interface communicates with the NFC read write line of outside businessman, and carry out information interaction and pay to realize near field, described battery module is used for powering for micro controller unit.

2. a kind of smart payment card according to claim 1, is characterized in that: described micro controller unit comprises CPU, RAM and ROM.

3. a kind of smart payment card according to claim 1, is characterized in that: described NFC interface comprises the NFC chip and antenna that are connected.

4. a kind of smart payment card according to any one of claim 1-3, is characterized in that: described nonvolatile memory is FLASH memory.

5. a kind of smart payment card according to any one of claim 1-3, is characterized in that: described battery module is lithium battery module.