CN110097347A - A kind of visual card transaction system of wireless charging digital cash - Google Patents
A kind of visual card transaction system of wireless charging digital cash Download PDFInfo
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- CN110097347A CN110097347A CN201910368128.6A CN201910368128A CN110097347A CN 110097347 A CN110097347 A CN 110097347A CN 201910368128 A CN201910368128 A CN 201910368128A CN 110097347 A CN110097347 A CN 110097347A
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- digital cash
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- card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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Abstract
The invention discloses a kind of visual card transaction systems of wireless charging digital cash, including digital cash visible card system and transaction terminal device；Digital cash visible card system includes the circuit board of shell and setting inside the shell, is provided with the visual card chip of digital cash, battery power supply module, battery management module, display module, base control module and Anneta module on circuit board.Transaction terminal device includes power module, Anneta module, base control module, digital cash memory management module and communication module structure.The present invention has rational design, the problem that digital cash visible card can not trade in the passive state is well solved, and in process of exchange the problem of automatic charging, the problem of efficiently solving battery altering bring cost and benefit, and allow digital cash holder's " whenever and wherever possible " digital cash is used to trade, it is the universal basis of providing convenience of digital cash and digital cash visible card.
Description
Technical field
The present invention relates to transaction system fields, more specifically, belong to a kind of wireless charging digital cash visible card transaction
System.
Background technique
NFC technique is derived from RFID technique (RadioFrequencyIdentifyDetection) in radio frequency identification, realizes point
Short-range communication to point.It is widely used in the fields such as wireless payment, data transmission.With the universal and consumption of smart phone
Demand of the person to consumption convenience, NFC antenna are more and more designed into wireless terminal device.
The effect of wireless charging is traditional wired charging mode before, realizes more convenient and fast move mode charging,
Wireless charging can be implemented as mobile phone set compact wireless charging function, and pave simultaneously for the charging of multiple portable equipments
Road.When charging to multiple equipment, equipment does not have any restrictions relative to the position of charging, therefore has wireless charging function
Wireless terminal also more and more enter market among.
Popularize with the development of mobile internet, mobile payment industry quickly changes propulsion, based on mobile Internet, NFC,
The business model of all kinds of technologies such as HCE (host simulation card technique), Token, bio-identification skill is constantly brought forth new ideas, and application scenarios are continuous
Expand it is abundant, on line, under line business integrative development accelerate.Mobile payment new technology provides the convenient payment of diversification for user
While service, the industries transition and upgrade such as communication, finance, internet is also led to develop.Mobile payment broad based growth prospect is
Extensive common recognition as full industry.The approval in financial transaction field is just increasingly being obtained using mobile payment as the e-payment of core,
With extensive user base, good disposal environment and use habit.
A kind of important means of payment of the bank card as electronic fare payment system, function is just gradually abundant and perfect, for example,
Current some bank finance systems are proposed the visual bank card towards individual user, and user can pass through the aobvious of visual bank card
Remaining sum on the direct inquirying card of display screen also has the function of safety certification (dynamic token), allows bank by visual bank
Block to authenticate the identity of holder, but this bank card still has several drawbacks at present, battery has certain service life,
Visible card, which exhausts (passive states) in battery, to trade, it is necessary to can trade after more renewing battery, replacement cell process is very
It is cumbersome, so that the cost of card is very high, great inconvenience also is brought to consumer, at present still in more peddling less selling awkward
A word used for translation situation.
Digital cash is a kind of completely new note issuance mode, i.e., the Central Bank gradually reduces until stopping traditional object completely
The production of tally coin is changed to using cryptographic technique production figures currency.The transaction of digital cash, circulation by symmetric cryptography,
Asymmetric cryptography, message digest algorithm and Identity- based cryptography etc. realize transaction flow and Transaction Safety,
System realizes that aspect must deeply consider the overall security of cryptographic system, the selection of cryptographic algorithm, and the realization of cryptographic algorithm is handed over
Design, the world, the compatibility of domestic standard etc. of mutual agreement, guarantee the transaction security of digital cash.In e-commerce initiative,
Because of role's difference, the requirement to digital cash is also different；Customer requirement digital cash is easy to use, and storage is safe and has anonymity
Property；Businessman requires digital cash to have confirmability, and can be exchanged into true currency；Bank then requires digital cash cannot be by
Illegally uses and forge.
Summary of the invention
It is visual in view of the deficiencies of the prior art, the present invention intends to provide a kind of wireless charging digital cash
Card transaction system, design rationally, have well solved the problem that digital cash visible card can not trade in the passive state, and
In process of exchange the problem of automatic charging, the problem of efficiently solving battery altering bring cost and benefit, and make number
Currency holder can be traded using digital cash " whenever and wherever possible ", be the universal of digital cash and digital cash visible card
It provides convenience basis.
To achieve the above object, the present invention provides the following technical scheme that
A kind of visual card transaction system of wireless charging digital cash, it is characterised in that: including digital cash visible card system
And transaction terminal device；Digital cash visible card system includes the circuit board of shell and setting inside the shell, is set on circuit board
It is equipped with the visual card chip of digital cash, battery power supply module, battery management module, display module, base control module and antenna
Module；Battery power supply module is connected with battery management module, display module, battery management module and Anneta module, display module
It is connected；Base control module and display module, Anneta module are connected；Transaction terminal device includes power module, Anneta module, base
Plinth control module, digital cash memory management module and communication module structure；Power module is connected with Anneta module, Anneta module with
Control module of trading is connected, and transaction control module is connected with digital cash memory module, and memory module is connected with communication module.
The visual card chip of digital cash is not in the case where establishing network connection with business bank's digital coin systems, to friendship
Easy terminal device sends the payment request of digital cash, and the payment request includes digital cash and transaction amount to be paid；
Transaction terminal device detects the visual card chip of digital cash, reads wherein after detecting the visual card chip of digital cash
Information；Nontransaction relevant information is read, Anneta module is set charging mould by the base control module of transaction terminal device
The frequency of antenna is adjusted to charge frequency by formula, in charging mode, Anneta module；Base control module is adjusted in charging mode
The output power of power supply of whole transaction terminal device carries out quick charge to visible card.
As a kind of technical solution of optimization, the state of the transaction terminal device intermittent detection visible card, reading can
Depending on the nontransaction relevant information of card, wherein interval time is TdIf detect number greater than n times, related letter still can't detect
Breath, then it is assumed that the card is dead card；Dead card prompt information is exported on transaction terminal device, otherwise on transaction terminal device
Show the nontransaction relevant information of the visual card chip of digital cash read；And read the pertinent authorization information of transaction；If reading
It takes less than relevant authorization message, then user is prompted to input correct startup password or biology in the visual card chip of digital cash
Identification, user is after input proper password or bio-identification booting and after transaction terminal device obtains correct authorization message, and
Shown in display screen, at the same base control module by Anneta module be set as trade mode；Anneta module is by antenna
Set of frequency is trading frequency, and sends transaction request notice.
As a kind of technical solution of optimization, business bank's digital coin systems are used for according to the payment request,
Payment affirmation request is sent to Central Bank's digital coin systems, the payment affirmation request is for the number to be paid
Currency carries out owner's change, and the payment-confirmation request is containing the digital cash to be paid, transaction amount, described
Authentication information.
By adopting the above-described technical solution, compared with prior art, the present invention has rational design, number has been well solved
In the problem and process of exchange that currency visible card can not trade in the passive state the problem of automatic charging, efficiently solve
The problem of battery altering bring cost and benefit, and allow digital cash holder's " whenever and wherever possible " to use digital goods
Coin transaction is the universal basis of providing convenience of digital cash and digital cash visible card.
Referring to drawings and examples, the present invention will be further described.
Detailed description of the invention
Fig. 1 is the block schematic illustration of the visual card transaction system of digital cash in an embodiment of the present invention；
Fig. 2 is the flow chart of the visual card transaction system of digital cash in an embodiment of the present invention.
Specific embodiment
Embodiment
As shown in Figure 1, a kind of visual card transaction system of wireless charging digital cash, including digital cash visible card system and
Transaction terminal device.Digital cash visible card system includes the circuit board of shell and setting inside the shell, is arranged on circuit board
There are the visual card chip of digital cash, battery power supply module, battery management module, display module, base control module and antenna mould
Block；Battery power supply module is connected with battery management module, display module, battery management module and Anneta module, display module phase
Even；Base control module and display module, Anneta module are connected.
Transaction terminal device includes power module, Anneta module, base control module, digital cash memory management module and
Communication module structure；Power module is connected with Anneta module, and Anneta module is connected with transaction control module, control module of trading and number
Word currency memory module is connected, and memory module is connected with communication module.
The visual card chip of digital cash is not in the case where establishing network connection with business bank's digital coin systems, to friendship
Easy terminal device sends the payment request of digital cash, and the payment request includes digital cash and transaction amount to be paid.
Transaction terminal device detects the visual card chip of digital cash, reads wherein after detecting the visual card chip of digital cash
Information；Nontransaction relevant information is read, Anneta module is set charging mould by the base control module of transaction terminal device
The frequency of antenna is adjusted to charge frequency by formula, in charging mode, Anneta module；Base control module is adjusted in charging mode
The output power of power supply of whole transaction terminal device carries out quick charge to visible card.
Battery power supply module in digital cash visible card system is ultrathin flexible rechargeable lithium battery or other can be filled
The slimline battery of electricity.The display screen of display module connection is ultrathin flexible liquid crystal display or EInk screen.Digital cash visible card system
Film key (ten key, " ", deletion, confirmation, corrigendum, inquiry etc.) is carried in system.Power key is pressed, digital cash can
Enter open state depending on card system, if can not normal boot-strap, digital cash visible card system be in passive states (battery consumption
Under to the greatest extent), the antenna condition in the digital cash visible card system is defaulted as charge mode, and the antenna is chargeable NFC
Hybrid antenna circle.Wherein base control module can configure the antenna mode of visible card, respectively charge mode and trade mode,
The frequency of Anneta module can be adjusted to charge frequency by middle charge mode；The frequency of Anneta module can be adjusted best friend by trade mode
Easy frequency.
Visible card is placed within transaction terminal device distance close enough, transaction terminal examines visual card
It surveys, reads the nontransaction relevant information of visible card, such as: battery level information, basic ID of visible card etc., if reading less than institute
Nontransaction relevant information is stated, Anneta module is set charge mode by the base control module of transaction terminal device, in charging mould
Under formula, the frequency of antenna is adjusted to charge frequency by Anneta module；The transaction terminal antenna is chargeable NFC hybrid antenna
Circle.Base control module adjusts transaction terminal device output power of power supply in charging mode simultaneously, carries out to visible card quick
Charging.
Transaction terminal device intermittent detects the state of visible card, reads the nontransaction relevant information of visible card, among it
It is T every the timedIf detect number greater than n times, relevant information still can't detect, then it is assumed that the card is dead card；It is trading
Dead card prompt information is exported on terminal device；Otherwise the nontransaction phase of the visible card read is shown on transaction terminal device
Close information；And read the pertinent authorization information of transaction, such as: the public key or private key of digital visual card signature etc., if read less than
Relevant authorization message, then prompt user to input correct startup password or bio-identification on visible card, and user is inputting just
After true password or bio-identification booting and after the correct authorization message of transaction terminal device acquisition, and shown in display screen,
Simultaneously base control module by Anneta module be set as trade mode；The set of frequency of antenna is transaction frequency by Anneta module
Rate, and send transaction request notice.
Digital cash visible card is received by base control modular spacing notify in charging mode, if the base control mould
Block receives transaction request notice, and Anneta module is set trade mode by base control module, and Anneta module is by visible card antenna
It is set as trading frequency, is ready for trading.
Transaction terminal device reads the basic information of visible card such as: subscriber identity information, such as: ID card No., hand
Machine number, signature authorization message etc., transaction terminal generate trade order number after inputting transaction amount and after confirming；Then lead to
It crosses communication module to be connected to the network with hair fastener business bank, after successful connection, the user of payment request and acquisition is authorized and is believed
Breath is sent to the digital coin systems of business bank, and business bank's digital coin systems detect user account total value
DRMBsumIf account total value is less than this transaction amount, the information that Sorry, your ticket has not enough value is returned to, notice transaction terminal, which is cancelled, this time to be handed over
Easily.
Otherwise remaining sum digital cash DRMB is generated according to transaction amountrem, represent amount of money Drem=Dsum-Dtrans, wherein Drem
For the remaining sum of visible card, DsumTotal amount before trading for visible card, DtransFor transaction amount；According to the remaining sum digital cash
The character string that business bank's digital cash rule generates；Transaction confirmation message is returned to simultaneously, the transaction confirmation message includes, remaining
Volume digital cash, visible card ID, user identity demonstrate,prove information etc..
The transaction terminal device is wireless by NFC hybrid antenna and visible card progress NFC by transaction confirmation message
Communication, visible card pop up user's ACK button after receiving transaction confirmation message on a display screen, after user's confirmation, send true
Information is recognized to transaction terminal, and after transaction terminal receives transaction confirmation message, user confirmation is fed back into business bank's number
Money-system, system modify the balance information of the visible card according to Transaction Information, and return to transaction and complete information.Transaction terminal
After receiving transaction completion information, notice visible card transaction is completed.After visible card receives transaction completion information, digital cash is stored
The remaining sum of module modifies DRMBrem, while visible card is set to charge mode by base control module.Above-mentioned process is detailed in attached drawing 2.
If the digital cash visible card is in normal power supply situation, by any key, the visible card enters open state,
After user inputs correct startup password or bio-identification, the Anneta module of visible card is set to transaction mould by base control module
The frequency of antenna is adjusted to trading frequency by formula, Anneta module；When by the digital cash visible card close to transaction terminal device
When certain distance, transaction terminal has detected whether matched digital cash visible card, if detecting is matched visible card, hands over
Anneta module is set to trade mode by the base control module of easy terminal, while transaction terminal device reads the basis letter of visible card
It ceases such as: subscriber identity information, such as: ID card No., phone number, signature authorization message etc., transaction terminal is handed in input
After the easy amount of money and after confirming, trade order number is generated.Then above-mentioned transaction flow is carried out.
The present invention has rational design, has well solved the problem that digital cash visible card can not trade in the passive state,
And in process of exchange the problem of automatic charging, the problem of efficiently solving battery altering bring cost and benefit, and make
Digital cash holder can be traded using digital cash " whenever and wherever possible ", be digital cash and digital cash visible card
Universal basis of providing convenience.
Protection scope of the present invention is not limited merely to above-described embodiment, and all technical solutions belonged under thinking of the present invention are equal
It belongs to the scope of protection of the present invention.It should be pointed out that for those skilled in the art, not departing from the present invention
Several improvements and modifications under the premise of principle, these modifications and embellishments should also be considered as the scope of protection of the present invention.
Claims (3)
1. a kind of visual card transaction system of wireless charging digital cash, it is characterised in that: including digital cash visible card system and
Transaction terminal device；
Digital cash visible card system includes the circuit board of shell and setting inside the shell, is provided with digital cash on circuit board
Visual card chip, battery power supply module, battery management module, display module, base control module and Anneta module；Battery power supply
Module is connected with battery management module, display module, battery management module and Anneta module, and display module is connected；Base control
Module and display module, Anneta module are connected；
Transaction terminal device includes power module, Anneta module, base control module, digital cash memory management module and communication
Module structure；Power module is connected with Anneta module, and Anneta module is connected with transaction control module, transaction control module and digital goods
Coin memory module is connected, and memory module is connected with communication module.
The visual card chip of digital cash is not in the case where establishing network connection with business bank's digital coin systems, eventually to transaction
End equipment sends the payment request of digital cash, and the payment request includes digital cash and transaction amount to be paid；
Transaction terminal device detects the visual card chip of digital cash, reads letter therein after detecting the visual card chip of digital cash
Breath；Nontransaction relevant information is read, Anneta module is set charge mode by the base control module of transaction terminal device,
Under charge mode, the frequency of antenna is adjusted to charge frequency by Anneta module；Base control module adjusts friendship in charging mode
The output power of power supply of easy terminal device carries out quick charge to visible card.
2. a kind of visual card transaction system of wireless charging digital cash according to claim 1, it is characterised in that: the friendship
The state of easy terminal device intermittent detection visible card, reads the nontransaction relevant information of visible card, and wherein interval time is Td,
If detect number greater than n times, relevant information still can't detect, then it is assumed that the card is dead card；On transaction terminal device
Dead card prompt information is exported, the nontransaction of the visual card chip of the digital cash read is otherwise shown on transaction terminal device
Relevant information；And read the pertinent authorization information of transaction；If reading less than relevant authorization message, prompt user in digital goods
Correct startup password or bio-identification are inputted in the visual card chip of coin, user is after input proper password or bio-identification booting
And after transaction terminal device obtains correct authorization message, and shown in display screen, at the same base control module by day
Wire module is set as trade mode；The set of frequency of antenna is trading frequency by Anneta module, and sends transaction request notice.
3. a kind of visual card transaction system of wireless charging digital cash according to claim 2, it is characterised in that: the quotient
Industry bank digital coin systems, for sending payment affirmation to Central Bank's digital coin systems and asking according to the payment request
It asks, the payment affirmation request is for carrying out owner's change to the digital cash to be paid, and the payment affirmation is requested
Include the digital cash to be paid, the transaction amount, the authentication information.
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| CN201910368128.6A CN110097347A (en) | 2019-05-05 | 2019-05-05 | A kind of visual card transaction system of wireless charging digital cash |
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| CN201910368128.6A CN110097347A (en) | 2019-05-05 | 2019-05-05 | A kind of visual card transaction system of wireless charging digital cash |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112101921A (en) * | 2020-09-25 | 2020-12-18 | 珠海优特物联科技有限公司 | Digital currency transferring method and system, Internet of things card and storage medium |
| CN114372549A (en) * | 2021-12-23 | 2022-04-19 | 中国农业银行股份制有限公司云南省分行 | Electronic ink screen bank card |
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Application publication date: 20190806 |