CN102567770A - Smart card and POS (Point-Of-Sale) terminal - Google Patents
Smart card and POS (Point-Of-Sale) terminal Download PDFInfo
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- CN102567770A CN102567770A CN201010619702XA CN201010619702A CN102567770A CN 102567770 A CN102567770 A CN 102567770A CN 201010619702X A CN201010619702X A CN 201010619702XA CN 201010619702 A CN201010619702 A CN 201010619702A CN 102567770 A CN102567770 A CN 102567770A
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Abstract
The invention discloses a smart card. The smart card comprises a first interface, a master control chip internally provided with business software for realizing the functions of a POS (Point-Of-Sale) terminal, and a radio frequency chip, wherein the radio frequency chip is used for building a wireless communication channel with a user RFID (Radio Frequency Identification) radio frequency card under the control of the master control chip; the master control chip is used for controlling the radio frequency chip to receive and transmit transaction data, and finishing the transaction process with the user RFID radio frequency card through the built-in business software which is used for realizing the functions of the POS terminal; and the smart card interchanges data with an external device via the first interface. The smart card further comprises an IC (Integrated Circuit) business chip. When the IC business chip is a mobile phone SIM (Subscriber Identity Module) card chip, after replacing the original SIM card of the mobile phone by the smart card disclosed by the invention, the mobile phone terminal can realize the functions of the POS terminal, so that the arrangement of the POS terminal is facilitated and the arrangement cost is reduced; and since the software for realizing the POS functions is set in the smart card, the software is convenient to upgrade.
Description
Technical field
The present invention relates to the small amount payment field, relate in particular to a kind of smart card and a kind of POS terminal.
Background technology
The tradition small amount payment system mainly contains three parts and forms: card, POS terminal, background system.Card adopts noncontact radio communication mode with POS communication between terminals mode.Card is for contact type intelligent card, and for the user holds, POS terminal operating service processing software is the direct interface that transaction takes place for user and system.
At present, the RFID-SIM in the mobile phone is stuck in the small amount payment Application for Field and has obtained good development.Be stuck in the application in the small amount payment in order to promote RFID-SIM better; The configuration of corresponding establishment also should be perfect synchronously, and still, present situation is really not so; With the quantity shortcoming of the matching used POS of RFID-SIM card terminal in market, can not play the professional effect of mobile-phone payment of promoting.And the POS terminal great majority of widely applying on the market do not possess the ability that noncontact is swiped the card.For supporting the noncontact function of swiping card, one side need increase the radio frequency card-reading apparatus to the POS terminal, revises the POS business software simultaneously.On the other hand, therefore existing POS terminal needs the different manufacturers support from a lot of equipment producer on the market, further increases the upgrading complexity.In addition, for the trade company at the newly-increased POS terminal of needs, its cost also becomes the key factor that each trade company considers.
Quantity and distribution that the POS terminal is disposed can be directly connected to the convenience that card user uses, so to dispose be the major issue of promoting service and application at the POS terminal, and the difficulty of existing P OS terminal staging also becomes its widely used bottleneck.
(its publication number is Chinese patent " a kind of with the mobile phone intelligent card of twireless radio-frequency communication function and supporting peripheral processor ": disclose a kind of with the mobile phone intelligent card of twireless radio-frequency communication function and supporting peripheral processor CN1773528); It specifically discloses through the SIM/UIM card in the mobile phone being replaced with smart card realizing the function of mobile phone small payment, and the problem of POS terminal quantity deficiency and software upgrading difficulty in the unresolved prior art.
(its Granted publication number is Chinese patent " a kind of portable terminal of supporting electronic wallet application through SIM ": disclose CN100534237) and a kind ofly supported wherein specifically to disclose the portable terminal of electronic wallet application through in mobile phone, adopting double-interface SIM card and in new SIM, increasing an application software that is used for the stored value card of penny ante through SIM.Be equally with mobile phone terminal as stored value card, and the problem of POS terminal quantity and software upgrading difficulty in the unresolved prior art.
Summary of the invention
The technical problem underlying that the present invention will solve is that the problem to POS terminal in the prior art is disposed and software upgrading is difficult provides a kind of smart card, and a kind of POS terminal that comprises this smart card is provided, and makes things convenient for the deployment at POS terminal and the upgrading of software.
For this reason, according to an aspect of the present invention, the present invention provides a kind of smart card, and said smart card comprises: first interface, be built-in with the main control chip and the radio frequency chip of the business software of realizing the POS termination function; Said radio frequency chip is used under the control of said main control chip setting up the wireless communication with user RFID radio-frequency card; Said main control chip is used to control said radio frequency chip transmitting-receiving transaction data, and through the business software completion of built-in realization POS termination function and the transaction flow of user RFID radio-frequency card; Said smart card is through said first interface and external equipment interaction data.
Further; In one embodiment; Said smart card also comprises the IC business chip; The IC business chip is connected with main control chip, and the IC business chip also is connected with first interface, and the IC business chip is through said main control chip and first interface and the relevant business information of the mutual IC business chip of external equipment.
Further; In another embodiment, said smart card also comprises the IC business chip, and the IC business chip is connected with main control chip; First interface is arranged on the IC business chip, and the IC business chip is through first interface and the relevant business information of the mutual IC business chip of external equipment.
In one embodiment, said IC business chip is SIM cards of mobile phones chip/UIM the core of the card sheet or PSAM the core of the card sheet.
In one embodiment, said first interface is the ISO7816 interface.
According to another aspect of the present invention, a kind of POS is provided the terminal, has comprised terminal body and smart card mentioned above, said terminal body is provided with second interface, and said smart card is connected with the terminal body through first interface and second interface.
Further, said terminal body comprises display module.
Further, said terminal body comprises MIM message input module.
In one embodiment, said POS terminal is a mobile phone terminal.
The invention has the beneficial effects as follows: the business software on the POS terminal is integrated on the independent intelligent card; And machine integrated radio frequency chip provides the twireless radio-frequency communication function on the card; Realized read-write capability, possessed the noncontact ability of swiping the card, realized separation between machine and card user RFID radio-frequency card; And made things convenient for the upgrading of business software, can realize quick upgrading and the deployment of POS in the small amount payment field.
Description of drawings
Fig. 1 is the structural representation of smart card core among the present invention;
Fig. 2 is the structural drawing of smart card in an embodiment of the present invention;
Fig. 3 is the structural drawing of smart card among the another kind of embodiment of the present invention;
Fig. 4 is the structural drawing of smart card among the another kind of embodiment of the present invention;
Fig. 5 is the structural drawing of smart card among the another kind of embodiment of the present invention;
Fig. 6 is the process flow diagram of smart card work among the present invention.
Embodiment
Combine accompanying drawing that the present invention is done further explain through embodiment below.
Please refer to Fig. 1; The basic framework of conceiving for the present invention shown in the figure; Comprise main control chip, radio frequency chip; Said main control chip is built-in with the business software of realizing the POS termination function, and said radio frequency chip is used to receive and send the radio frequency signal that is produced by said main control chip, and under the control of said main control chip, sets up and the wireless communication of user RFID radio-frequency card; Said main control chip is used to control said radio frequency chip transmitting-receiving transaction data, and through the business software completion of built-in realization POS termination function and the transaction flow of user RFID radio-frequency card; Said smart card is through said first interface and external equipment interaction data.In one embodiment, said first interface is the ISO7816 interface.Operation realizes the business software of POS termination function on the main control chip, carries out the instruction as the POS terminal.In one embodiment, the smart card that has main control chip, radio frequency chip shown in directly will scheming is encapsulated in and makes an IC-card on the card base.Certainly wherein main control chip still is connected with radio frequency chip, and in one embodiment, main control chip is connected with the ISO7816 interface that terminal called is used.Said IC-card is applicable to the POS terminal with IC-card slot.When the user uses radio-frequency card to swipe the card, this IC-card is inserted in the slot, the environment of non-contact transaction is provided.When using Contact Type Ic Card to conclude the business, extract autonomous service smart card, insert the transaction of user's IC-card, do not influence the trade mode of original POS for the user.For example, taxi POS terminal is transformed into the POS terminal of supporting that radio-frequency card is swiped the card.Since have on the taxi POS terminal one for rent the driver individual use the slot of IC-card, every day, the transaction record at POS terminal will be deposited on the card, again by the taxi driver to the designated terminal import system.For this situation, make taxi driver individual IC-card into an anticipatory remark and invent described IC and just can accomplish the upgrading at former POS terminal smoothly.
Please refer to Fig. 2, smart card shown in the figure also can comprise the IC business chip, and said IC business chip is connected with main control chip.Wherein the IC business chip is meant and is inserted in the chip in the smart card in certain terminal originally.For example interior chip, the interior chip of UIM card of SIM in the mobile phone, and the chip in the PSAM card in the existing POS terminal etc.In smart card of the present invention, why adding the IC business chip, is in order when the POS function distributing is carried out at original terminal, not change the inherent function at original terminal.For example, when in the SIM draw-in groove of mobile phone, adopting the smart card among the present invention, do not change the original function that can communicate of mobile phone; When in the PSAM at POS terminal card slot, adopting the smart card among the present invention, do not change original PSAM card function.When coming the business information relevant with said IC business chip from the first interface transmission, said main control chip passes through the IC business chip with said business information.Certainly, also be feasible at mobile phone terminal or other preparations as draw-in groove that is specifically designed to smart card among the present invention of design on the terminal device at POS terminal.
Please refer to Fig. 3, as a kind of alternative, the IC business chip is connected with first interface, and then is connected with the terminal, and the information transmission of main control chip and terminal room is transmitted through the IC business chip.Explanation all is connected to example with first interface and main control chip in following examples and describes for ease.
Please refer to Fig. 4, is the structural representation of smart card when the IC business chip is the SIM cards of mobile phones chip shown in the figure.The terminal of the terminal of being mentioned in the preceding text for being associated with the IC business chip, in the present embodiment, the terminal that is associated with the IC business chip is a mobile phone terminal, the IC business chip is the SIM cards of mobile phones chip; Smart card is packaged into the SIM shape, inserts the SIM cards of mobile phones slot.The mobile phone terminal of this moment promptly can be used as the POS terminating machine.There is not the POS terminating machine for those; And the trade company that hopes the radio-frequency card payment that support is now more and more flourish, as long as the smart card that existing common SIM is replaced by among the present invention can convert mobile phone into a POS terminating machine of supporting contactless small amount payment.To specifically describe the principle of work of this smart card in mobile phone below:
At first, be that the smart card of SIM chip is put into the SIM cards of mobile phones draw-in groove with the IC business chip.Mobile phone terminal is that said main control chip, radio frequency chip and SIM chip provide the power supply support through the ISO7816 interface that is provided with on the main control chip, guarantees its operate as normal.When the consumer holds radio-frequency card when consumption, during mobile phone terminal that radio-frequency card uses as the POS terminating machine near trade company, the radio frequency chip in the mobile phone intelligent card is discerned said radio-frequency card and is set up the communication channel between said radio-frequency card and the main control chip simultaneously.Main control chip calls the dependent instruction in its business software; For trade company provides amount of money inputting interface, after trade company confirmed input, main control chip sent the amount of money once more and confirms to instruct and transfer to the radio-frequency card card holder by trade company and confirm; After confirming successfully; Transaction is accomplished, and sets up a consumption record, is kept in the said main control chip.Further, if the radio-frequency card card holder need input password, can call the dependent instruction in the business software and import by main control chip equally through cell phone keyboard.More than, comprise that the mobile phone of smart card can be used as a mobile terminal of POS easily among the present invention, accelerate the deployment at POS terminal widely, and farthest reduced the cost that trade company disposes the POS terminal.In addition, the use of smart card can not influence the realization of mobile phone original function fully among the present invention.When functions such as mobile phone terminal use phone or short message; Mobile phone terminal passes through the SIM chip through first interface and the main control chip that is connected with main control chip with business information; The SIM chip is handled these business, does not influence the normal use of mobile phone fully.Certainly, mobile phone UIM card is suitable for the scheme of this instance equally.
In the present embodiment, be the shape of SIM cards of mobile phones with smart card designs, in the mobile phone of packing into, this mobile phone terminal can be realized the function at POS terminal.Do not change original design of mobile phone, do not influence the normal use of mobile phone.
Please refer to Fig. 5, is the structural representation of smart card when described IC business chip is PSAM the core of the card sheet shown in the figure.This smart card is packaged into PSAM card shape, can insert the PSAM slot of POS machine.The terminal that is associated with the IC business chip in the present embodiment is the POS terminating machine.Need to prove that the POS terminating machine in the present embodiment is the existing contactless POS terminating machine of swiping the card of not supporting.And the function that PSAM the core of the card sheet wherein provides is identical with the PSAM card function at existing POS terminal.Therefore, when having the insertion of this smart card now the POS terminal, only need to adopt the PSAM draw-in groove to supply power, utilize demonstration and the keyboard of POS, just can support that user's radio-frequency card carries out small amount payment, and not influence the original function that has the POS terminal now.Because the structure of smart card is identical with structure in the foregoing description in the present embodiment, its principle of work is also identical, no longer does being repeated in this description at this.Adopt the smart card in the present embodiment; Can be apace to not supporting the POS terminal of small amount payment to upgrade in a large number on the market; Accomplish the quick deployment at small amount payment POS terminal; And the POS terminal behind the upgrading can be realized the function at original POS terminal equally, has greatly practiced thrift the cost that the POS terminal is transformed.
Please refer to Fig. 6, is the process flow diagram that smart card is realized the POS function in an embodiment of the present invention on associated terminal described in the figure.Its concrete workflow is following:
1) main control chip powers on, and starts to realize POS termination function business software;
2) radio frequency chip powers on, and starts;
3) radio frequency chip detects user RFID radio-frequency card in communication coverage scope, produces the look-at-me that is used to trigger main control chip;
4) after main control chip is received the look-at-me of radio frequency chip transmission, send link establishment message, by being wirelessly transmitted to user RFID radio-frequency card after the radio frequency chip modulation to radio frequency chip.
5) user RFID radio-frequency card is responded the link establishment response message, and is wirelessly transmitted to radio frequency chip, by sending to main control chip after the radio frequency chip demodulation.
6) carry out identifying procedure between main control chip and the user RFID radio-frequency card, behind the authentication success, set up the radio communication channel of communicating by letter with user RFID radio-frequency card;
7) business software that moves on the main control chip program, the APDU instruction interaction flow process between completion and user RFID radio-frequency card, thus accomplish transaction flow.In addition, in some cases, main control chip and user RFID radio-frequency card carry out in the process of command interaction, need be mutual with the IC business chip, and such as the situation for integrated PSAM card, main control chip need be accomplished relevant interaction flow with the PSAM card.
Need to prove that mentioned ISO7816 interface is the interface that meets the ISO7816 standard in the preceding text.The way of embodiment described in the preceding text all is that main control chip and radio frequency chip are encapsulated in the card of the original IC of comprising business chip.As a kind of alternative, also can main control chip and radio frequency chip be packaged together, become the shape of putting up the film card, it is attached on the card of integrated IC business chip SIM independently for example, PSAM card etc.Specifically, this pad pasting jig has the interface of inside and outside both sides, and the interface of the outside and peripheral communication is packaged into exterior I SO7816 interface shape.The inboard part of touching with SIM or PSAM clamping is that the pin with the ISO7816 interface protrudes with the mode of salient point, corresponding pin contact when both stick, and both sides promptly can communicate through the ISO7816 interface.
The present invention also provides a kind of POS the terminal, and said POS terminal comprises terminal body and above-mentioned smart card, and the terminal body is provided with second interface, and said smart card is connected with said terminal body through first interface and said second interface.On the body of terminal, also be provided with display module and MIM message input module.In one embodiment, said POS terminal is a mobile phone terminal, and said display module is a mobile phone screen, and said MIM message input module is a cell phone keyboard.
The present invention will realize that the software of POS termination function is integrated on the chip of smart card, make things convenient for the upgrading at POS terminal; And the smart card among the present invention is inserted in the PSAM card draw-in groove in SIM cards of mobile phones draw-in groove, mobile phone UIM card draw-in groove, the existing POS terminal; Can on corresponding terminal, add the POS function of supporting small amount payment; Accomplish the deployment at POS terminal fast and need not to change the original hardware designs in terminal, greatly practiced thrift and disposed the needed cost in terminal of supporting small amount payment.
Above content is to combine concrete embodiment to the further explain that the present invention did, and can not assert that practical implementation of the present invention is confined to these explanations.For the those of ordinary skill of technical field under the present invention, under the prerequisite that does not break away from the present invention's design, can also make some simple deduction or replace, all should be regarded as belonging to protection scope of the present invention.
Claims (9)
1. a smart card is characterized in that, comprising: first interface, be built-in with the main control chip and the radio frequency chip of the business software of realizing the POS termination function; Said radio frequency chip is used under the control of said main control chip setting up the wireless communication with user RFID radio-frequency card; Said main control chip is used to control said radio frequency chip transmitting-receiving transaction data, and through the business software completion of built-in realization POS termination function and the transaction flow of user RFID radio-frequency card; Said smart card is through said first interface and external equipment interaction data.
2. smart card as claimed in claim 1; It is characterized in that; Also comprise the IC business chip; Said IC business chip is connected with said main control chip, and said main control chip is connected with said first interface, and said IC business chip is through said main control chip and said first interface and the relevant business information of the mutual IC business chip of external equipment.
3. smart card as claimed in claim 1; It is characterized in that; Also comprise the IC business chip; Said IC business chip is connected with said main control chip, and said IC business chip also is connected with said first interface, and said IC business chip is through the relevant business information of the mutual IC business chip of said first interface and external equipment.
4. like claim 2 or 3 described smart cards, it is characterized in that said IC business chip is SIM cards of mobile phones chip/UIM the core of the card sheet or PSAM the core of the card sheet.
5. smart card as claimed in claim 1 is characterized in that, said first interface is the ISO7816 interface.
6. POS terminal; It is characterized in that; Comprise each described smart card of terminal body and claim 1-5, said terminal body is provided with second interface, and said smart card is connected with said terminal body through said first interface and said second interface.
7. POS as claimed in claim 6 terminal is characterized in that, said terminal body comprises display module.
8. like claim 6 or 7 described POS terminals, it is characterized in that said terminal body comprises MIM message input module.
9. POS as claimed in claim 6 terminal is characterized in that, said POS terminal is a mobile phone.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201010619702.XA CN102567770B (en) | 2010-12-31 | 2010-12-31 | A kind of smart card and a kind of POS terminal |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201010619702.XA CN102567770B (en) | 2010-12-31 | 2010-12-31 | A kind of smart card and a kind of POS terminal |
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| CN102567770A true CN102567770A (en) | 2012-07-11 |
| CN102567770B CN102567770B (en) | 2015-10-28 |
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Cited By (6)
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| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全***有限公司 | Mobile payment system and mobile payment implementation method |
| CN104683100A (en) * | 2013-11-26 | 2015-06-03 | ***通信集团公司 | Electronic data processing method and equipment |
| CN104951936A (en) * | 2014-03-26 | 2015-09-30 | 北京同方微电子有限公司 | Cell phone card swiping device and card swipe transaction method thereof |
| CN105761077A (en) * | 2016-02-04 | 2016-07-13 | 操明立 | Intelligent card, mobile terminal, and network transaction method and system |
| CN106570697A (en) * | 2016-10-31 | 2017-04-19 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device, and safety certificate tool |
| CN115866125A (en) * | 2022-11-23 | 2023-03-28 | 东信和平科技股份有限公司 | SIM card swiping and screen flipping method and system and storage medium |
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| CN201556225U (en) * | 2009-12-17 | 2010-08-18 | 北京握奇数据***有限公司 | Multi-chip intelligent card |
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| KR100738923B1 (en) * | 2006-04-24 | 2007-07-12 | 에스케이 텔레콤주식회사 | Smart card having zigbee module in financial settlement module or subscriber identification module and mobile communication terminal having same |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103246978A (en) * | 2013-05-06 | 2013-08-14 | 武汉瑞达信息安全***有限公司 | Mobile payment system and mobile payment implementation method |
| CN104683100A (en) * | 2013-11-26 | 2015-06-03 | ***通信集团公司 | Electronic data processing method and equipment |
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| CN104951936A (en) * | 2014-03-26 | 2015-09-30 | 北京同方微电子有限公司 | Cell phone card swiping device and card swipe transaction method thereof |
| CN105761077A (en) * | 2016-02-04 | 2016-07-13 | 操明立 | Intelligent card, mobile terminal, and network transaction method and system |
| CN106570697A (en) * | 2016-10-31 | 2017-04-19 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device, and safety certificate tool |
| CN106570697B (en) * | 2016-10-31 | 2020-01-10 | 北京小米移动软件有限公司 | Mobile terminal payment verification method and device and security authentication tool |
| CN115866125A (en) * | 2022-11-23 | 2023-03-28 | 东信和平科技股份有限公司 | SIM card swiping and screen flipping method and system and storage medium |
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| Publication number | Publication date |
|---|---|
| CN102567770B (en) | 2015-10-28 |
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