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WO2015090053A1 - 一种移动支付智能卡 - Google Patents

一种移动支付智能卡 Download PDF

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Publication number
WO2015090053A1
WO2015090053A1 PCT/CN2014/082072 CN2014082072W WO2015090053A1 WO 2015090053 A1 WO2015090053 A1 WO 2015090053A1 CN 2014082072 W CN2014082072 W CN 2014082072W WO 2015090053 A1 WO2015090053 A1 WO 2015090053A1
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WIPO (PCT)
Prior art keywords
smart card
swp
mobile payment
antenna
nfc
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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PCT/CN2014/082072
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English (en)
French (fr)
Inventor
刘峰
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Beijing WatchSmart Technologies Co Ltd
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Beijing WatchSmart Technologies Co Ltd
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Publication date
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Publication of WO2015090053A1 publication Critical patent/WO2015090053A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • 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
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0833—Card having specific functional components
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0833—Card having specific functional components
    • G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis

Definitions

  • the invention belongs to the technical field of smart cards, and in particular relates to a mobile payment smart card.
  • Existing mobile payment smart card can integrate dual interface smart card chip and RF (Ra d i 0
  • Frequency, radio frequency antenna, the RF antenna can be external, or integrated in the smart card base; or integrated SWP (Single Wi Re Pro toco l, single line protocol) smart card chip, RF antenna integrated in On the handheld terminal.
  • SWP Single Wi Re Pro toco l, single line protocol
  • Both of the above mobile payment smart cards can realize wireless data communication between the mobile payment smart card and the P0S, wherein the SWP protocol mode is a standard solution defined by the ETS I organization.
  • the non-contact RF antenna implementation is partially provided by the handheld terminal rather than by the integrated RF antenna of the dual interface card itself.
  • the first mobile payment smart card with integrated dual interface smart card chip is suitable for most handheld terminals, but does not support the non-contact function of NFC-SWP terminals, and can not meet the market demand;
  • the second integrated mobile payment smart card with SWP smart card chip is suitable for NFC-SWP terminals, but it does not meet the market demand for non-contact functions that do not support non-NFC-SWP terminals.
  • NFC-SWP chip with or without external soldering.
  • the multi-interface mobile payment smart card requires the user's external antenna to be unfavorable for marketing, and cannot meet the user experience requirements;
  • a mobile payment smart card can support both a non-NFC-SWP handheld terminal and an NFC-SWP handheld terminal, and a smart card that does not require an external RF antenna can satisfy the user's contactless experience, which is very urgent.
  • the smart card can support both non-NFC-SWP handheld terminals and NFC-SWP handheld terminals, and does not require a smart card with an external RF antenna to meet the user's contactless experience.
  • the technical solution adopted by the present invention is:
  • a mobile payment smart card integrated with a dual interface smart card chip and an RF antenna the mobile payment smart card also integrates a SWP smart card chip, including a security module, a contactless front end amplifier, and the SWP smart card chip is disposed in the security module . Further, the RF antenna is built in, and an RF power amplifier chip is built in the antenna.
  • the RF antenna is connected in an external manner.
  • the contactless communication is performed by using an RF antenna integrated in the mobile payment smart card; when the mobile payment smart card is connected to the NFC-SWP terminal, the SWP smart card is used.
  • the chip communicates with the NFC-SWP terminal, and can also perform contactless communication using the RF antenna integrated in the NFC-SWP terminal.
  • the security module is composed of one or more security chips, and the non-contact front-end amplifier is composed of one or more chips, and the SWP function is implemented by one or more SWP smart card chips.
  • the security module is used for identity authentication, and communicates with the non-contact front-end amplifier through a universal input/output interface, and selects an SE with a GPIO interface, thereby implementing data communication between the SE and the ACLF.
  • the non-contact front-end amplifier is directly connected to the RF antenna, wherein the SWP is responsible for processing the physical layer and the data link layer logic.
  • the non-contact front-end amplifier is connected to the contactless front end of the handheld terminal by a single-wire protocol, wherein the SWP is responsible for processing the physical layer and the data link layer logic.
  • the mobile payment smart card of the invention can support non-NFC-SWP handheld terminals, and can also support NFC-SWP handheld terminals, and can satisfy the user's non-contact without the need of an external RF antenna smart card.
  • the mobile payment smart card of the invention can support non-NFC-SWP handheld terminals, and can also support NFC-SWP handheld terminals, and can satisfy the user's non-contact without the need of an external RF antenna smart card.
  • FIG. 1 is a schematic diagram of a structure of a mobile payment smart card (S IM) and a connection with a handheld terminal according to the present invention. detailed description
  • the product design of the present invention includes a dual interface smart card function, a SWP smart card function, and an RF radio antenna function.
  • FIG. 1 is a structural diagram of a mobile payment smart card (S IM) 10 and a structural connection with a handheld terminal (Hands e t ) 20 according to the present invention.
  • S IM mobile payment smart card
  • Hands e t handheld terminal
  • a mobile payment smart card integrates a dual interface smart card chip, a SWP smart card chip and an RF antenna, including a security module (SE), a contactless front end amplifier (ACLF), and an RF antenna (ANT).
  • the security module (SE) is provided with an SWP smart card chip, and supports the SWP function.
  • the structure of the RF antenna may be a built-in RF power amplifying chip and an RF antenna, or may be an external RF antenna and other RF antenna structures. the design of.
  • the mobile payment smart card itself has an integrated RF antenna, and can be adapted to an NFC-SWP terminal and a non-NFC-SWP terminal.
  • the integration can be utilized.
  • Contactless communication is performed on the RF antenna of the mobile payment smart card; when the mobile payment smart card is used in connection with the NFC-SWP terminal, the SWC smart card chip can communicate with the NFC-SWP terminal, or can be integrated with the NFC-SWP terminal.
  • the RF antenna performs contactless communication.
  • a security module is integrated in the mobile payment smart card 10 (S IM).
  • S IM mobile payment smart card 10.
  • Non-contact front-end amplifier ACLF
  • ANT RF antenna
  • the non-contact front-end amplifier (ACLF) 12 supports the SWP function.
  • the SIM card is a dual-interface smart card that supports contact interface communication and non-contact interface communication.
  • the contact interface conforms to the IS0/IEC 7816 protocol, and the non-contact interface conforms to the IS0/IEC 14443 protocol.
  • the security module (SE) 11 may be one or more chips
  • the contactless front end amplifier (ACLF) 12 may be one or more chips
  • the SWP function may be separately composed of one or more chips. The function is realized, but the connection structure diagram of the three will be consistent with the structure of FIG. 1 above.
  • the security module (hereinafter referred to as SE) 11 is the SE of the universal SIM card, and is mainly used for identity authentication; the SE communicates with the non-contact front-end amplifier (hereinafter referred to as ACLF) through the universal input/output interface (hereinafter referred to as GPI0), and should select the interface with the GPI0 interface. SE, thus achieving data communication between SE and ACLF.
  • ACLF non-contact front-end amplifier
  • GPI0 universal input/output interface
  • the non-contact front-end amplifier (ACLF) 12 can be directly connected to an RF antenna (hereinafter referred to as ANT), and can also be a non-contact front end of a single-wire protocol (hereinafter referred to as SWP) and a handheld terminal (hereinafter referred to as Handset) (below Referred to as CLF); where SWP is responsible for processing physical layer and data link layer logic.
  • ANT RF antenna
  • SWP single-wire protocol
  • Handset handheld terminal
  • the above structure can realize the same security module (SE) connecting two kinds of radio frequency devices, one radio frequency device is embedded in the radio frequency device in the SIM card, and the other radio frequency device is embedded in the radio device in the Handset; by SE ⁇ ACLF
  • SE security module
  • the module's on-chip operating system (hereinafter referred to as COS) is developed and designed to enable the selection and configuration of two RF devices. It should be understood by those skilled in the art that the present invention is not limited to the embodiments of the present invention, and is not intended to limit the invention. Other embodiments of the invention will be apparent to those skilled in the art in the light of the appended claims.

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  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Accounting & Taxation (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Hardware Design (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Telephone Function (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

　本发明涉及一种移动支付智能卡，属于智能卡技术领域。现有的移动支付智能卡不通现时支持非NFC-SWP手持终端和NFC-SWP手持终端。本发明所述的一种移动支付智能卡，集成有双界面智能卡芯片、RF天线及SWP 智能卡芯片，还包括安全模块、非接触式前端放大器，所述的SWP智能卡芯片设置在安全模块中。采用本发明所述移动支付智能卡，既可以支持非NFC-SWP手持终端，又可以支持NFC-SWP手持终端，并且不需要外接RF 天线的智能卡就可以满足用户的非接触体验。

Description

一种移动支付智能卡 技术领域
本发明属于智能卡技术领域， 具体涉及一种移动支付智能卡。
现有的移动支付智能卡可集成双界面智能卡芯片和 RF (Ra d i 0
Frequency , 无线射频）天线， 该 RF天线可以是外置的， 也可以是集成在智能 卡基内的； 或是集成 SWP (S ing l e Wi re Pro toco l , 单线协议）智能卡芯片， RF天线集成在手持终端上。
上述两种移动支付智能卡都可以实现移动支付智能卡与 P0S的无线数据 通讯，其中 SWP协议方式是 ETS I组织定义的标准解决方案。相对于双界面移 动支付智能卡，其非接触功能的 RF天线实现部分是由手持终端提供的， 而不 是通过双界面卡本身集成的 RF天线实现的。
但是， 现有技术存在以下的缺点：
(1)第一种集成双界面智能卡芯片的移动支付智能卡适用于大多数手持 终端， 但不支持 NFC-SWP终端的非接触功能， 不能够满足市场需求；
(2)第二种集成 SWP智能卡芯片的移动支付智能卡适用于 NFC-SWP终端， 但对不支持非 NFC-SWP终端的非接触功能， 不能满足市场需求。
现有技术中， 还有一种多接口移动支付智能卡， 支持同时集成双界面智 能卡芯片和 SWP智能卡芯片， 但 RF天线需要根据手持终端能否支持
NFC-SWP芯片， 而进行外部焊接或不焊接。 该多接口移动支付智能卡需要 用户外接天线不利于市场推广， 无法满足用户体验上的需求；
现阶段市场上支持 SWP功能的手持终端较少， 市场上大量存在的是非 NFC-SWP手持终端， 但随着移动通信技术与移动支付技术的发展， NFC-SWP 手持终端的数量也会越来越多。
针对上述情况实现一种移动支付智能卡既可以支持非 NFC-SWP手持终 端， 又可以支持 NFC-SWP手持终端， 并且不需要外接 RF天线的智能卡就可以 满足用户的非接触体验， 是非常迫切的。 发明内容
针对现有技术中存在的缺陷，本发明的目的是提供一种移动支付智能卡。 该智能卡既能够支持非 NFC-SWP手持终端， 又能够支持 NFC-SWP手持终 端， 并且不需要外接 RF天线的智能卡就可以满足用户的非接触体验。 为达到以上目的， 本发明釆用的技术方案是：
一种移动支付智能卡， 集成有双界面智能卡芯片和 RF天线， 所述的移 动支付智能卡还集成了 SWP智能卡芯片， 包括安全模块、 非接触式前端放 大器， 所述的 SWP智能卡芯片设置在安全模块中。 进一步， 所述的 RF天线釆用内置的方式， 在天线中内置了 RF功率放大 芯片。
或者， 所述的 RF天线釆用外接的方式。 进一步， 当所述移动支付智能卡与非 NFC-SWP终端连接使用时， 利用 集成在移动支付智能卡的 RF天线进行非接触通信； 当所述移动支付智能卡 与 NFC-SWP终端连接使用时， 通过 SWP智能卡芯片与 NFC-SWP终端进行 通信， 也可利用集成在 NFC-SWP终端的 RF天线进行非接触通信。 进一步， 所述的安全模块由一个或多个安全芯片组成， 所述的非接触式 前端放大器由一个或多个芯片组成， 所述的 SWP功能由一个或多个 SWP智 能卡芯片实现。 进一步， 所述的安全模块用于身份认证， 通过通用输入输出接口与非接 触前端放大器通信， 选择具有 GPIO接口的 SE， 从而实现 SE与 ACLF的数 据通信。 进一步，所述的非接触式前端放大器直接与 RF射频天线连接，其中 SWP 负责处理物理层和数据链路层逻辑。 进一步， 所述的非接触式前端放大器通过单线协议与手持终端的非接触 式前端连接， 其中 SWP负责处理物理层和数据链路层逻辑。 本发明的效果在于： 釆用本发明所述移动支付智能卡， 既可以支持非 NFC-SWP手持终端， 又可以支持 NFC-SWP手持终端， 并且不需要外接 RF 天线的智能卡就可以满足用户的非接触体验。 附图说明
图 1是本发明所述的一种移动支付智能卡（S IM)的结构及与手持终端的 连接示意图。 具体实施方式
下面结合附图和具体实施方式对本发明作进一步描述。
本发明的产品设计包含双界面智能卡功能、 SWP智能卡功能和 RF射频天 线功能。
图 1为本发明所述的一种移动支付智能卡（S IM) 1 0的结构图及与手持终 端 （Hands e t ) 20的结构连接示意。
如图 1所示， 一种移动支付智能卡， 集成有双界面智能卡芯片、 SWP智 能卡芯片和 RF天线， 包括安全模块（SE )、 非接触式前端放大器（ ACLF ) 、 RF射频天线 （ANT ) ， 其中所述的安全模块（SE ) 中设置有 SWP智能卡芯 片， 支持 SWP功能， 所述的 RF天线的结构可以是内置了 RF功率放大芯片 和 RF天线， 也可以是外接 RF天线等多种 RF天线结构的设计。 本实施例中， 所述移动支付智能卡本身已集成 RF天线， 可以适配于 NFC-SWP终端与非 NFC-SWP终端， 当所述移动支付智能卡与非 NFC-SWP终端 连接使用时，可利用集成在移动支付智能卡的 RF天线进行非接触通信； 当所 述移动支付智能卡与 NFC-SWP终端连接使用时， 可通过 SWP智能卡芯片与 NFC-SWP终端进行通信，也可利用集成在 NFC-SWP终端的 RF天线进行非接触 通信。
图 1的结构中， 所述的移动支付智能卡 1 0 (S IM)中集成了安全模块（SE ) 11、 非接触式前端放大器 （ACLF) 12、 RF射频天线 （ ANT ) 13， 所述的非接 触式前端放大器 （ACLF) 12支持 SWP功能。 该 SIM卡是一种双界面智能卡， 支持接触界面通信和非接触界面通信，其中接触界面符合 IS0/IEC 7816协议， 非接触界面符合 IS0/IEC 14443协议。
在本实施例中， 所述的安全模块（SE) 11可以是一个或多个芯片， 非接 触式前端放大器 （ACLF) 12可以是一个或多个芯片， SWP功能可以单独由一 个或多个芯片实现功能，但这三者的连接结构图，将与上述图 1的结构一致。
安全模块 （以下简称 SE) 11为通用 SIM卡的 SE， 主要用于身份认证； SE通过通用输入输出接口（以下简称 GPI0)与非接触前端放大器 （以下简称 ACLF) 通信， 应该选择具有 GPI0接口的 SE， 从而实现 SE与 ACLF的数据通 信。
所述的非接触式前端放大器（ ACLF ) 12可以直接与 RF射频天线连接（以 下简称 ANT) ， 又可以通过单线协议（以下简称 SWP)与手持终端（以下简称 Handset ) 的非接触式前端 （以下简称 CLF)； 其中 SWP负责处理物理层和数 据链路层逻辑。
上述结构可以实现同一个安全模块（SE)连接两种射频装置， 一种射频装 置为内嵌入 SIM卡内的射频装置， 另一种射频装置为内嵌入 Handset内的射 频装置； 通过基于 SE\ACLF模块的片内操作系统 （以下简称 COS) 开发与设 计， 可以实现对两种射频装置的选择与配置。 本领域技术人员应该明白， 本发明所述的装置并不限于具体实施方式中所述 的实施例， 上面的具体描述只是为了解释本发明的目的， 并非用于限制本发 明。 本领域技术人员根据本发明的技术方案得出其他的实施方式， 同样属于 本发明的技术创新范围， 本发明的保护范围由权利要求及其等同物限定。

Claims

权 利 要 求
1. 一种移动支付智能卡， 集成有双界面智能卡芯片和 RF天线， 其特征 在于： 所述的移动支付智能卡还集成了 SWP智能卡芯片， 包括安全模块、 非 接触式前端放大器， 所述的 SWP智能卡芯片设置在安全模块中。
2. 如权利要求 1所述的一种移动支付智能卡， 其特征在于： 所述的 RF 天线釆用内置的方式， 在天线中内置了 RF功率放大芯片。
3. 如权利要求 1所述的一种移动支付智能卡， 其特征在于： 所述的 RF 天线釆用外接的方式。
4. 如权利要求 1至 3任一所述的一种移动支付智能卡， 其特征在于： 当 所述移动支付智能卡与非 NFC-SWP终端连接使用时， 利用集成在移动支付智 能卡的 RF天线进行非接触通信；当所述移动支付智能卡与 NFC-SWP终端连接 使用时， 通过 SWP智能卡芯片与 NFC-SWP终端进行通信， 也可利用集成在 NFC-SWP终端的 RF天线进行非接触通信。
5. 如权利要求 1所述的一种移动支付智能卡， 其特征在于： 所述的安全 模块由一个或多个安全芯片组成， 所述的非接触式前端放大器由一个或多个 芯片组成， 所述的 SWP功能由一个或多个 SWP智能卡芯片实现。
6. 如权利要求 5所述的一种移动支付智能卡， 其特征在于： 所述的安全 模块用于身份认证， 通过通用输入输出接口与非接触前端放大器通信， 选择 具有 GP I 0接口的 SE， 从而实现 SE与 ACLF的数据通信。
7. 如权利要求 1所述的一种移动支付智能卡， 其特征在于： 所述的非接 触式前端放大器直接与 RF射频天线连接，其中 SWP负责处理物理层和数据链 路层逻辑。
8. 如权利要求 1所述的一种移动支付智能卡， 其特征在于： 所述的非接 触式前端放大器通过单线协议与手持终端的非接触式前端连接， 其中 SWP负 责处理物理层和数据链路层逻辑。
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