WO2012152079A1 - 一种防止移动支付卡被盗刷的移动支付设备 - Google Patents

一种防止移动支付卡被盗刷的移动支付设备 Download PDF

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Publication number
WO2012152079A1
WO2012152079A1 PCT/CN2012/070351 CN2012070351W WO2012152079A1 WO 2012152079 A1 WO2012152079 A1 WO 2012152079A1 CN 2012070351 W CN2012070351 W CN 2012070351W WO 2012152079 A1 WO2012152079 A1 WO 2012152079A1
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WO
WIPO (PCT)
Prior art keywords
mobile payment
nfc antenna
payment card
loop
card
Prior art date
Application number
PCT/CN2012/070351
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English (en)
French (fr)
Inventor
周仕霞
孙钦利
佘海波
陈普查
Original Assignee
中兴通讯股份有限公司
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Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Publication of WO2012152079A1 publication Critical patent/WO2012152079A1/zh

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/70—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes
    • H04B5/77—Near-field transmission systems, e.g. inductive or capacitive transmission systems specially adapted for specific purposes for interrogation
    • 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
    • G06Q20/30—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]
    • G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • 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
    • G06Q20/30—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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • 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
    • G07F7/0813—Specific details related to card security
    • 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
    • G07F7/0813—Specific details related to card security
    • G07F7/082—Features insuring the integrity of the data on or in the card
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B5/00—Near-field transmission systems, e.g. inductive or capacitive transmission systems
    • H04B5/20—Near-field transmission systems, e.g. inductive or capacitive transmission systems characterised by the transmission technique; characterised by the transmission medium
    • H04B5/24—Inductive coupling
    • H04B5/26—Inductive coupling using coils

Definitions

  • Mobile payment device for preventing mobile payment card from being stolen
  • the present invention relates to the field of mobile device technologies, and in particular, to a mobile payment device for preventing a mobile payment card from being stolen. Background technique
  • NFC technology With the wide application of Near Field Communication (NFC) technology, NFC technology has become the official standard supported by more and more major manufacturers after being compatible with existing contactless smart card technology. NFC technology provides easy, secure, fast and automatic communication between various devices, mainly used in access control, public transportation, mobile payment and other fields. NFC technology is low-cost, easy to use and more intuitive, which makes it more potential in some areas, enabling communication of various devices within a few centimeters, bringing people's work and life. Great convenience, especially in portable devices, has become more and more widely used.
  • NFC technology has been applied to mobile payment services.
  • the NFC antenna is connected to the payment card to form a loop between the NFC antenna and the mobile payment card.
  • the card reader reads the account information from the mobile payment card through the NFC antenna to complete the mobile payment.
  • mobile payment has the problem of fraudulent brushing and false brushing, which brings risks and even economic losses to users using mobile payment.
  • illegal use of illegal credit card systems deliberately close to the user's portable devices, resulting in stolen brush, or users when using the phone, unintentionally close to the card device, causing false brushing. Since the use of mobile payment adopts the method of pre-deposit and the deposit amount is often large, the fraudulent use of mobile payment will cause unpredictable losses to the user.
  • the prior art adopts a software authentication method to protect mobile payment: the mobile device is connected with the bank financial center, the bank financial center and the verifier, the payment module is activated, the value is stored in the security chip, and the payment module is encrypted and transmitted to the bank finance. Center, the verifier receives the data and then advances Decrypt, verify, and feedback the results to the bank's financial center and mobile devices.
  • the present invention provides a mobile payment device for preventing a mobile payment card from being stolen, which can effectively prevent the mobile payment card from being stolen or accidentally swiped.
  • the present invention is a mobile payment device for preventing a mobile payment card from being stolen, including a mobile payment card and an NFC antenna, wherein two connections of the two antenna contacts of the mobile payment card to the NFC antenna connected to the mobile payment card
  • the end connection constitutes a loop
  • the switch unit further includes a switch unit for enabling or disabling the NFC antenna, wherein the NFC antenna is effective to cause the NFC antenna to be in a work of providing wireless data transmission for the mobile payment card.
  • the invalidating the NFC antenna means that the NFC antenna is in a state in which wireless data transmission cannot be provided for the mobile payment card.
  • the switching unit is connected in parallel with the NFC antenna.
  • a switching unit is connected in series in the loop.
  • the switch unit is a mechanical switch.
  • the switch unit includes:
  • a main control unit configured to control closing or opening of the switch circuit
  • a switching circuit for closing or opening under the control of the main control unit to control whether the loop between the NFC antenna and the mobile payment card is turned on.
  • the main control unit is used,
  • the main control unit is used to set the NFC antenna and mobile when the mobile payment device is in the off state. Whether the loop between the payment cards is turned on.
  • the present invention controls whether a loop between the NFC antenna and the mobile payment card is turned on by a series or parallel connection of a switching unit in a loop between the mobile payment card and the NFC antenna.
  • disconnecting the NFC antenna from the mobile payment card or short-circuiting the NFC antenna to prevent it from working properly can effectively prevent the mobile payment from being stolen or accidentally swiped.
  • FIG. 1 is a circuit structural diagram of an NFC antenna and a mobile payment card of a conventional mobile payment device according to the present invention
  • Figure 2 is a structural view of a first embodiment of the present invention
  • Figure 3 is a structural view of a second embodiment of the present invention.
  • Figure 4 is a structural view showing a third embodiment of the present invention.
  • Figure 5 is a structural view of a fourth embodiment of the present invention. detailed description
  • the invention adopts a series or parallel switch unit in a loop between the NFC antenna and the mobile payment card to control whether the loop between the NFC antenna and the mobile payment card is turned on.
  • the two terminals of the NFC antenna 22 are connected to the terminals 2a and 2b of the mobile payment card 21 to form a closed circuit;
  • a mechanical switch 23 as a switching unit is connected to the two terminals of the NFC antenna 22, and is connected in parallel with the NFC antenna in a loop between the NFC antenna 22 and the mobile payment card 21 for controlling whether the NFC antenna 22 is short-circuited.
  • the mechanical switch 23 is connected in parallel to the two ends of the NFC antenna 22.
  • the mechanical switch 23 is placed. In the closed state. At this time, the NFC antenna is short-circuited, and the loop between the mobile payment card 21 and the NFC antenna 22 is not turned on. Even if the NFC antenna is close to the card swiping device, the payment cannot be completed because the loop between the NFC antenna and the mobile payment card is not conductive.
  • the NFC antenna When the mechanical switch 23 is disconnected, the NFC antenna is close to the card swiping device and communicates to obtain energy; the card reader obtains personal account information information obtained from the mobile payment card through the NFC antenna and performs authentication verification with the card swiping system;
  • FIG. 3 it is a second embodiment of the present invention.
  • the switch unit includes a switch circuit and a main control unit, and is programmed by a CPU (Central Processing Unit) 34 as a main control unit to control whether the circuit of the electronic switch 33 as the switch unit is closed or closed to control whether the loop between the NFC antenna and the mobile payment card is controlled. Turn on.
  • a CPU Central Processing Unit
  • the two terminals of the NFC antenna 32 are connected to the ends 3a and 3b of the mobile payment card 31 to form a closed circuit; the electronic switch 33 is connected to the two terminals of the NFC antenna 32, and is connected in parallel with the NFC antenna in a loop between the NFC antenna and the mobile payment card. , for controlling whether the NFC antenna 32 is short-circuited.
  • the electronic switch 33 is controlled by the CPU 34.
  • the electronic switch is connected to the programmable control pin GPIO of the CPU. Whether or not the loop between the NFC antenna 32 and the mobile payment card 31 is turned on is controlled by writing a program in the CPU to control the turning on or off of the electronic switch 33.
  • the CPU 34 controls the electronic switch 33 to be closed, the NFC antenna 32 is short-circuited, and the loop between the NFC antenna 32 and the mobile payment card 31 is not turned on, the payment cannot be completed.
  • the NFC antenna 32 When the electronic switch 33 is disconnected, the NFC antenna 32 is close to the card swapping device and communicates to obtain energy; the card reader passes the personal account information information obtained from the mobile payment card 31 through the NFC antenna 32 and performs authentication verification with the card swiping system;
  • the password verification function can also be added, that is, when the switch needs to be closed or opened, the password needs to be input first, and the operation can be performed after the verification is successful. Strong protection against theft and wrong brushing.
  • the switch unit When the switch unit is controlled by the control unit, it can be programmed to be off or on by default when the switch is turned off.
  • the default function of the shutdown is added to enhance the protection against theft and wrong brushing. Or when the user needs it, it can also be swiped during the shutdown state, which is convenient for the user.
  • the switching unit is connected in series between the NFC antenna and the mobile payment card. It is a third embodiment of the present invention.
  • the two terminals of the NFC antenna 42 are connected to the 4a, 4b terminals of the mobile payment card 41 to form a loop.
  • a mechanical switch 43 as a switching unit is connected in series to any one of the two connecting lines of the NFC antenna 42 and the mobile payment card 41 for controlling whether or not the circuit between the NFC antenna and the mobile payment card is turned on.
  • the mechanical switch 43 is placed in the off state. At this time, even if the NFC antenna 42 is close to the card swiping device, the payment cannot be completed because the loop between the NFC antenna 42 and the mobile payment card 41 is not turned on.
  • the NFC antenna 42 When the mechanical switch 43 is closed, the NFC antenna 42 is close to the card swiping device and communicates to obtain energy; the card swipe machine receives the personal account information information acquired by the NFC antenna 42 from the mobile payment card 41 and performs authentication verification with the card swiping system;
  • the switching unit in the third embodiment is composed of a switching circuit and a main control unit, and the switching circuit is an electronic switch 53.
  • the CPU (Central Processing Unit) 54 as a main control unit controls the conduction of the electronic switch 53 or Disconnected is a fourth embodiment of the present invention.
  • the two terminals of the NFC antenna 52 are connected to the 5a, 5b ends of the mobile payment card 51 to form a loop; and the connection is made in any one of the two connecting lines of the NFC antenna 52 and the mobile payment card 51.
  • the electronic switch 53 as a switch circuit in the switch unit is used to control whether the loop between the NFC antenna and the mobile payment card is turned on.
  • the electronic switch 53 is controlled by the CPU 54 as a main control unit.
  • the electronic switch is connected to the programmable control pin GPIO of the CPU54. Whether or not the loop between the NFC antenna 52 and the mobile payment card 51 is turned on is controlled by the CPU 54 controlling the turning on or off of the electronic switch 53. When the CPU 54 controls the electronic switch 53 to be turned off, the loop between the NFC antenna 52 and the mobile payment card 51 is not turned on, and the payment cannot be completed.
  • the NFC antenna 52 When the electronic switch 53 is closed, the NFC antenna 52 is close to the card swiping device and communicates to obtain energy; the card swiping machine receives the personal account information information acquired by the NFC antenna 52 from the mobile payment card 51 and performs authentication verification with the card swiping system;
  • the present invention can also control whether the NFC antenna can be connected to the mobile payment card by connecting a switch in parallel between the NFC antenna and the mobile payment card.
  • the password check function can also be added. That is, when the switch needs to be closed or opened, the password needs to be input first, and the operation can be performed only after the verification is successful.
  • the switch circuit When the switch circuit is controlled by the main control unit, it can be programmed to be turned off or closed by default when the switch is turned off.
  • the present invention is capable of invalidating an NFC antenna when mobile payment is not required, thereby effectively preventing mobile payment from being stolen or accidentally swiped.

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  • Business, Economics & Management (AREA)
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  • Computer Networks & Wireless Communication (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
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  • Computer Security & Cryptography (AREA)
  • Signal Processing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Cash Registers Or Receiving Machines (AREA)
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Abstract

本发明提供了一种防止移动支付卡被盗刷的移动支付设备，采用简便易行且成本不高的方法防止移动支付卡被盗刷。本发明为一种防止移动支付卡被盗刷的移动支付设备，包括移动支付卡和NFC天线，其中，所述移动支付卡的两个天线触点与移动支付卡连接的NFC天线的两个连接端连接组成回路，在所述回路上还包括使所述NFC天线有效或无效的开关单元。将开关单元串联或并联在NFC天线与移动支付卡之间的回路中，通过控制开关单元中开关单元的闭合或断开来控制NFC天线与移动支付卡之间的回路是否导通。当不需要进行移动支付时，只要使NFC天线与移动支付卡之间的回路不导通即可。

Description

一种防止移动支付卡被盗刷的移动支付设备 技术领域
本发明涉及移动设备技术领域， 尤其涉及一种防止移动支付卡被盗刷 的移动支付设备。 背景技术
随着近场通信 ( Near Field Communication, NFC )技术的广泛应用， NFC技术与现有非接触智能卡技术兼容后， 成为越来越多主要厂商支持的 正式标准。 NFC技术提供各种设备间轻松、 安全、 迅速而自动的通信， 主 要应用于门禁、 公交、 手机支付等领域。 NFC技术具有成本低廉、 方便易 用和更富直观性等特点， 这让它在某些领域显得更具潜力， 能够实现各种 设备在几厘米范围内的通信， 给人们的工作及生活带来了很大的便利， 特 别是在便携式设备中得到了越来越广泛的使用。
目前 NFC技术已经被应用于移动支付业务。 如图 1所示， 将 NFC天 线与支付卡连接后组成 NFC天线与移动支付卡之间的回路。当 NFC天线靠 近刷卡机时， 刷卡机通过 NFC天线从移动支付卡上读取账户信息来完成移 动支付。 但是移动支付存在着盗刷， 误刷的问题， 给用户使用移动支付带 来风险， 乃至经济上的损失。 比如被非法分子使用非法刷卡***， 故意靠 近用户的便携设备， 造成盗刷， 或者用户在使用手机的时候， 无意靠近刷 卡设备， 引起误刷。 由于使用移动支付采用预先存款的方式并且存款金额 往往比较大， 移动支付的盗刷， 误刷会给用户造成难以预计的损失。
现有技术采用软件鉴权的方法对移动支付进行保护： 移动设备与银行 金融中心、 银行金融中心与验证方连接， 支付模块启动， 把数值存储在安 全芯片中， 支付模块加密后传输到银行金融中心， 验证方接受到数据后进 行解密、 验证， 将结果反馈银行金融中心和移动设备。 这种方法虽然安全 可靠， 但是却需要加入银行金融中心的配合， 方法步驟繁瑣复杂且不易推 广。 发明内容
本发明提供了一种防止移动支付卡被盗刷的移动支付设备， 能够有效 防止移动支付卡被盗刷或者误刷。
本发明为一种防止移动支付卡被盗刷的移动支付设备， 包括移动支付 卡和 NFC天线， 其中， 所述移动支付卡的两个天线触点与移动支付卡连接 的 NFC天线的两个连接端连接组成回路，在所述回路上还包括使所述 NFC 天线有效或无效的开关单元，所述使 NFC天线有效是指使所述 NFC天线处 于可以为所述移动支付卡提供无线数据传输的工作状态， 所述使 NFC天线 无效是指使所述 NFC天线处于无法为所述移动支付卡提供无线数据传输的 状态。
开关单元与 NFC天线并联。
开关单元串联在所述回路中。
开关单元为机械开关。
开关单元包括：
主控单元， 用于控制开关电路的闭合或断开；
开关电路， 用于在主控单元的控制下闭合或断开以控制 NFC天线与移 动支付卡之间的回路是否导通。
主控单元用于，
在控制开关电路的闭合或断开时， 提示输入密码；
当校验接收的密码与预存于主控单元中的密码一致时， 执行开关电路 的闭合或断开的操作。
主控单元用于设置当移动支付设备处于关机状态时， NFC天线与移动 支付卡之间的回路是否导通。
本发明通过在移动支付卡和 NFC天线之间的回路中串联或并联入一开 关单元， 通过开关电路的闭合或断开控制 NFC天线与移动支付卡之间的回 路是否导通。 当不需要进行移动支付时， 将 NFC天线与移动支付卡的连接 断开或者将 NFC天线短路使其不能正常工作， 都可有效的避免移动支付被 盗刷或者误刷。 附图说明
图 1为本发明的现有的移动支付设备的 NFC天线与移动支付卡之间的 回路结构图；
图 2为本发明的第一种实施例结构图；
图 3为本发明的第二种实施例结构图；
图 4为本发明的第三种实施例结构图；
图 5为本发明的第四种实施例结构图。 具体实施方式
本发明采用了在 NFC天线与移动支付卡之间的回路中串联或并联开关 单元， 控制 NFC天线与移动支付卡之间的回路是否导通。
下面结合图 2说明本发明的第一种实施例。
如图 2所示， NFC天线 22的两连接端连至移动支付卡 21的 2a、 2b端 组成闭合电路；
将作为开关单元的机械开关 23连接 NFC天线 22的两连接端，在 NFC 天线 22与移动支付卡 21之间的回路中与 NFC天线并联， 用于控制 NFC 天线 22是否发生短路。
在 NFC天线 22、 移动支付卡 21之间的回路中， 并联入机械开关 23连 接 NFC天线 22的两端， 当不需要使用移动支付功能时， 将机械开关 23置 于闭合的状态。 此时 NFC天线发生短路， 移动支付卡 21与 NFC天线 22 之间的回路不导通。即使 NFC天线靠近刷卡设备，也会因为 NFC天线与移 动支付卡的之间的回路不导通而不能完成支付。
当机械开关 23断开时， NFC天线靠近刷卡设备并通信获取能量； 刷卡机通过 NFC天线从移动支付卡中获取的个人账户资料信息并与刷 卡***进行鉴权验证；
鉴权验证成功后， 扣除相应的金额， 完成支付。
如图 3所示， 为本发明的第二种实施例。
开关单元包括开关电路和主控单元， 通过作为主控单元的 CPU (中央 处理器） 34编程控制作为开关单元的电子开关 33 的闭合或关断达到控制 NFC天线与移动支付卡之间的回路是否导通。
NFC天线 32的两连接端连至移动支付卡 31的 3a、3b端组成闭合电路； 电子开关 33连接 NFC天线 32的两连接端，在 NFC天线与移动支付卡 之间的回路中与 NFC天线并联， 用于控制 NFC天线 32是否发生短路。
电子开关 33受 CPU34控制。 电子开关连接的为 CPU的可编程控制管 脚 GPIO。 通过在 CPU中写入程序， 控制电子开关 33的导通或断开来控制 NFC天线 32与移动支付卡 31之间的回路是否导通。 当 CPU34控制电子开 关 33闭合时， NFC天线 32被短路， NFC天线 32与移动支付卡 31之间的 回路不导通， 则不能完成支付。
当电子开关 33断开时， NFC天线 32靠近刷卡设备并通信获取能量； 刷卡机通过 NFC天线 32从移动支付卡 31中获取的个人账户资料信息 并与刷卡***进行鉴权验证；
鉴权验证成功后， 扣除相应的金额， 完成支付。
通过控制单元对电子开关 33进行控制时， 还可加入密码校验功能， 即 当需要闭合或断开开关时， 都需要先输入密码， 校验成功后才能进行操作。 强了防止盗刷、 误刷的保护。
通过控制单元对开关单元进行控制时， 可以通过编程设定在关机状态 时， 开关默认为断开或导通。
增加了关机默认的功能可以增强防止盗刷、 误刷的保护。 或者当用户 有需要时， 还可以在关机状态时进行刷卡操作， 方便用户的使用。
如图 4所示， 开关单元串联在 NFC天线与移动支付卡之间的回路中。 为本发明的第三种实施例。
NFC天线 42的两连接端连至移动支付卡 41的 4a、 4b端组成回路。 在 NFC天线 42与移动支付卡 41的两连接线中的任意一连接线上串联 入作为开关单元的机械开关 43 ,用于控制 NFC天线与移动支付卡之间的回 路是否导通。
在 NFC天线 42、 移动支付卡 41、 机械开关 43之间的回路中， 当不需 要使用移动支付功能时， 将机械开关 43 置于断开的状态。 此时即使 NFC 天线 42靠近刷卡设备， 也会因为 NFC天线 42与移动支付卡 41之间的回 路不导通而不能完成支付。
当机械开关 43闭合时， NFC天线 42靠近刷卡设备并通信获取能量； 刷卡机接收 NFC天线 42从移动支付卡 41中获取的个人账户资料信息 并与刷卡***进行鉴权验证；
鉴权验证成功后， 扣除相应的金额， 完成支付。
如图 5 所示， 将实施例三中的开关单元为开关电路与主控单元组成， 开关电路为电子开关 53 , 作为主控单元的 CPU (中央处理器） 54控制电子 开关 53的导通或断开， 为本发明第四种实施例。
NFC天线 52的两连接端连至移动支付卡 51的 5a、 5b端组成回路； 在 NFC天线 52与移动支付卡 51的两连接线中的任意一连接线上串联 入开关单元中作为开关电路的电子开关 53 ,用于控制 NFC天线与移动支付 卡之间的回路是否导通。
电子开关 53且受作为主控单元的 CPU54控制。电子开关连接至 CPU54 的可编程控制管脚 GPIO。 通过 CPU54控制电子开关 53的导通或断开来控 制 NFC天线 52与移动支付卡 51之间的回路是否导通。当 CPU54控制电子 开关 53断开时， NFC天线 52与移动支付卡 51的之间的回路不导通， 则不 能完成支付。
当电子开关 53闭合时， NFC天线 52靠近刷卡设备并通信获取能量； 刷卡机接收 NFC天线 52从移动支付卡 51中获取的个人账户资料信息 并与刷卡***进行鉴权验证；
鉴权验证成功后， 扣除相应的金额， 完成支付。
本发明还可以通过在 NFC天线与移动支付卡之间的闭合电路中， 并联 入一开关来控制 NFC天线是否能与移动支付卡连接。
通过主控单元对开关电路进行控制时， 还可加入密码校验功能， 即当 需要闭合或断开开关时， 都需要先输入密码， 校验成功后才能进行操作。
通过主控单元对开关电路进行控制时， 可以通过编程设定在关机状态 时， 开关默认为断开或闭合。
显然， 本领域的技术人员可以对本发明进行各种改动和变型而不脱离 本发明的精神和范围。 这样， 倘若本发明的这些修改和变型属于本发明权 利要求及其等同技术的范围之内， 则本发明也意图包含这些改动和变型在 内。 工业实用性 本发明能够在不需要进行移动支付时， 使 NFC天线失效， 从而有效的 避免移动支付被盗刷或者误刷。

Claims

权利要求书
1、 一种防止移动支付卡被盗刷的移动支付设备， 包括移动支付卡和近 场通信 NFC天线， 其中， 所述移动支付卡的两个天线触点与移动支付卡连 接的 NFC 天线的两个连接端连接组成回路， 在所述回路上还包括使所述 NFC天线有效或无效的开关单元。
2、 根据权利要求 1所述的移动支付设备， 其中， 所述开关单元与 NFC 天线并联。
3、 根据权利要求 1所述的移动支付设备， 其中， 所述开关单元串联在 所述回路中。
4、 根据权利要求 1所述的移动支付设备， 其中， 所述开关单元为机械 开关。
5、 根据权利要求 1所述的移动支付设备， 其中， 所述开关单元包括： 主控单元， 用于控制开关电路的闭合或断开；
开关电路， 用于在主控单元的控制下闭合或断开以控制 NFC天线与移 动支付卡之间的回路是否导通。
6、 根据权利要求 5所述的移动支付设备， 其中， 所述主控单元用于， 在控制开关电路的闭合或断开时， 提示输入密码；
当校验接收的密码与预存于主控单元中的密码一致时， 执行开关电路 的闭合或断开的操作。
7、 根据权利要求 5所述的移动支付设备， 其中， 所述主控单元用于设 置当移动支付设备处于关机状态时， NFC天线与移动支付卡之间的回路是 否导通。
PCT/CN2012/070351 2011-09-29 2012-01-13 一种防止移动支付卡被盗刷的移动支付设备 WO2012152079A1 (zh)

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