WO2018086229A1 - Transaction routing identification method and system - Google Patents

Abstract

A terminal device, comprising an NFC chip, and further comprising at least two NFC antennas and at least two secure transaction units, each NFC antenna corresponding to a secure transaction unit. The at least two NFC antennas are respectively located at different positions on the terminal device. The at least two secure transaction units separately comprises a host system or a secure element; or the at least two secure transaction units separately comprises secure elements in at least two SIM cards; or the at least two secure transaction units separately comprises a host system or a secure element in a common domain or a secure domain. The terminal device stores a transaction routing relation table used for storing a correspondence relation between IDs of NFC antennas and card emulation transaction routing destinations. The present invention also provides a transaction routing identification method and system implemented using the terminal device. The present invention can automatically identify the transaction routing of NFC.

Description

Transaction route identification method and system

The present application claims priority to Chinese Patent Application No. 201610994444.0, entitled "Transaction Routing Identification Method and System", filed on November 11, 2016, the entire disclosure of which is incorporated herein by reference.

Technical field

The present invention relates to the field of secure payment technologies, and in particular, to a NFC-based transaction route identification method and system.

Background technique

NFC (Near Field Communication) payment is a technology that has been continuously debated in the technology circle in the last two years. The terminal with NFC function can simulate the credit card, debit card, membership card and other cards into the mobile phone through the card simulation. Just touch the POS machine gently, “嘀”, do not swipe the card in the card slot, do not lose Password, no signature.

The NFC function currently has two ways to implement card emulation: one is hardware-based, called Virtual Card Mode; the other is software-based, called Host Card Mode.

In virtual card mode, you need to provide a Secure Module (SE). The SE provides secure storage of sensitive information and provides a secure execution environment for transaction transactions. The NFC chip acts as a contactless communication front end, and forwards commands received from the external reader to the SE, which are then processed by the SE and replied by the NFC chip. The SE may be integrated in a SIM (Subscriber Identification Module), an SD (Secure Digital Memory Card), or other chips.

In the host card mode, the SE is not required to be provided, but the function of the SE is completed by an application running in the mobile phone or a server in the cloud, and the data received by the NFC chip is sent by the operating system or the application to the mobile phone, or The interaction is done through a mobile network to the server in the cloud.

At present, there are more and more NFC-enabled terminals, and various NFC solutions are also emerging. For example, both HCE (Host-based Card Emulation) and SWP-NFC based on virtual card mode are supported. At the same time, it supports two kinds of SIM card SWP-NFC solutions, dual-system dual-domain NFC solutions.

The combination of the above solutions may have a problem of a card simulating transaction routing. For example, when the user performs a card simulation transaction, the terminal finally routes the transaction to the HCE host or the SIM card, the first SIM card or the second SIM card, the general domain, or Security domain, etc. This is a problem of transaction routing. Existing solutions generally require manual setting by the user. For example, the location of the security module at the time of payment can be selected from the NFC settings. Therefore, the above operation is inconvenient, the user experience is poor, and it is impossible to switch in the off state.

Summary of the invention

In view of the above, it is necessary to propose a terminal device that can automatically recognize the transaction route of the NFC.

A terminal device includes an NFC chip, and further includes:

At least two NFC antennas and at least two secure transaction units, each of which corresponds to a secure transaction unit.

In a preferred embodiment of the present invention, the at least two NFC antennas are respectively located at different positions on the terminal device.

In a preferred embodiment of the present invention, the at least two secure transaction units respectively comprise a host system or a security module;

Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards;

Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.

In a preferred embodiment of the present invention, the terminal device stores a transaction routing relationship table for storing a correspondence between an ID of the NFC antenna and a card analog transaction routing destination.

In view of the above, it is also necessary to propose a transaction route identification method, which can automatically identify the transaction route of the NFC.

A transaction route identification method is applied to the foregoing terminal device, and the transaction route identification method includes:

When detecting a card analog transaction signal of the NFC antenna, determining an NFC antenna that transmits the card analog transaction signal and acquiring an ID of the determined NFC antenna;

Retrieving a corresponding card analog transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship; and

The card simulation transaction information is routed to a secure transaction unit corresponding to the destination.

In a preferred embodiment of the present invention, the at least two secure transaction units respectively comprise a host system or a security module;

Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards;

Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.

In a preferred embodiment of the present invention, the transaction routing relationship is recorded in a transaction routing relationship table, and the transaction routing relationship table stores a correspondence between an ID of the NFC antenna and a card simulation transaction routing destination.

In view of the above, it is also necessary to propose a transaction route identification system that can automatically identify NFC transaction routes.

A transaction route identification system, running in the foregoing terminal device, the transaction route identification system comprising:

a detection module configured to detect a card analog transaction signal of the NFC antenna;

a determining module, configured to determine an NFC antenna that transmits the card analog transaction signal and obtain an ID of the determined NFC antenna;

a retrieval module, configured to retrieve a corresponding card simulation transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship; and

A routing module is configured to route the card simulated transaction information to a secure transaction unit corresponding to the destination.

In a preferred embodiment of the present invention, the at least two secure transaction units respectively comprise a host system or a security module;

Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards;

Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.

In a preferred embodiment of the present invention, the transaction routing relationship is recorded in a transaction routing relationship table, and the transaction routing relationship table stores a correspondence between an ID of the NFC antenna and a card simulation transaction routing destination.

Compared with the prior art, the present invention integrates two or more NFC antennas on a terminal device and deploys them at different locations, and simulates the card from each NFC antenna by retrieving the NFC antenna and the transaction routing relationship table of the transaction. The transaction is routed to a specific secure transaction unit. The solution of the invention can be automatically routed to a specific secure transaction unit during the card simulation transaction process, without manual selection by the user, improving the convenience and enhancing the user experience, and the scheme can perform route switching in the terminal device shutdown state, and the function More powerful.

DRAWINGS

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the embodiments and the prior art description will be briefly described below. Obviously, the drawings in the following description are only some implementations of the present invention. For example, other drawings may be obtained from those skilled in the art without any inventive effort.

1 is a flow chart of a method of a preferred embodiment of the transaction route identification method of the present invention.

2 is a schematic structural diagram of a preferred embodiment of the transaction route identification system of the present invention.

FIG. 3 is a schematic structural diagram of a terminal device according to an embodiment of the present invention.

Main component symbol description

Terminal equipment 1000

NFC chip 1

First NFC antenna 20

Second NFC antenna 21

First secure transaction unit 30

Second Secure Transaction Unit 31

Transaction routing identification system 10

Detection module 100

Judgment module 101

Search module 102

Routing module 103

detailed description

Embodiments of the present invention provide a transaction route identification method, which can automatically identify a transaction route of an NFC. Embodiments of the present invention also provide a corresponding transaction route identification system, terminal device, and computer readable storage medium.

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is an embodiment of the invention, but not all of the embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts shall fall within the scope of the present invention.

The detailed description will be respectively made below through specific embodiments.

Embodiment 1

1 is a flow chart of a method of a preferred embodiment of the transaction route identification method of the present invention.

The order of execution in the flowchart shown in the figure may vary depending on various requirements, and some may be omitted.

The transaction route identification method of the present invention can be applied to a terminal device. The terminal device may be, but not limited to, a device including an NFC module, such as a personal computer, a smart phone, a tablet, and a smart wearable device.

NFC is the abbreviation of Near Field Communication, a short-range wireless communication technology. It is a contactless identification and interconnection technology for short-range wireless communication between mobile devices, consumer electronics, PCs and smart control tools. NFC provides a simple, touch-enabled solution that allows consumers to easily and intuitively exchange information and access content and services.

The NFC module is mainly composed of an NFC chip and an NFC antenna. The NFC chip has a communication function and a certain computing capability, and some models even include an encryption logic circuit and an encryption/decryption module, and the NFC antenna is a near-field coupling antenna, generally a coupling coil and a magnetic film. For power transmission and data reception.

The NFC antenna may be built in the terminal device.

In a preferred embodiment of the present invention, the terminal device includes at least two NFC antennas, which are respectively located at different positions of the terminal device.

In other preferred embodiments of the present invention, the terminal device may also have more than two NFC antennas, and is not limited to two.

For example, the at least two NFC antennas may be located on the upper side and the lower side of the terminal device, or respectively located on the upper side, the middle side, and the lower side of the terminal device, or on the upper and lower ends of the terminal device. , left and right four vertices, and so on.

In a preferred embodiment of the present invention, one of the NFC antennas may be located on the upper side of the terminal device, and the other NFC antenna may be located on the lower side of the terminal device.

Each of the NFC antennas has an ID (identification) for distinguishing the NFC antennas.

Referring to FIG. 1, the transaction route identification method includes:

S10. The terminal device determines whether a card analog transaction signal of the NFC antenna is detected.

In the embodiment of the present invention, the card analog transaction signal may be data received by the NFC antenna.

When the card analog transaction signal of the NFC antenna is detected, the following S11 is performed.

S11, the terminal device determines an NFC antenna that sends the card analog transaction signal and acquires the ID of the determined NFC antenna; and in S12, retrieves a corresponding card according to the ID of the NFC antenna and a preset transaction routing relationship. Simulating the transaction routing destination; further, at S13, the card simulation transaction information is routed to the secure transaction unit corresponding to the destination.

In a preferred embodiment of the present invention, the routing destination may be a different secure transaction unit according to different NFC schemes included in the terminal device.

For example, if the terminal device supports both a Host-based Card Emulation (HCE) scheme and a SWP (Single Wire Protocol)-NFC scheme based on a virtual card mode, the secure transaction unit It may include a host system such as a mobile phone application (APP) and a security module (Secure Element, SE) such as SWP-SIM or SWP-SD.

For example, if the terminal device supports the SWP-NFC solution of the two SIM cards at the same time, the terminal device includes the first SIM card and the second SIM card, and the first SIM card and the second SIM card both have a security module. The secure transaction unit may include a first SIM card and a security module corresponding to the second SIM card.

For another example, if the terminal device supports the dual system dual domain NFC solution at the same time, the secure transaction unit may include a common domain and a host system and/or a security module in the security domain.

It is assumed that a terminal device supports an NFC scheme of a dual SIM card, and the card analog transaction can be routed to the first SIM card or the second SIM card. In the existing solution, the user usually needs to use the first SIM card or the second SIM card, and the device needs to be reset when it needs to be changed, but cannot be changed in the shutdown state.

The embodiment of the present invention may preset a transaction routing relationship, where the transaction routing relationship may be recorded in a transaction routing relationship table, where the correspondence between the ID of the NFC antenna and the destination of the card simulated transaction may be stored. As shown in the following table:

NFC antenna ID Card simulation transaction routing destination 1 First SIM card 2 Second SIM card ...... ......

In the preferred embodiment of the present invention, the transaction routing relationship table may be stored in the terminal device.

Therefore, when the terminal device determines that the ID of the NFC antenna that acquires the analog transaction signal is 1, according to the preset transaction routing relationship table, the card analog transaction routing destination may be retrieved as the first SIM card. And routing the card simulation transaction information to a security module corresponding to the first SIM card.

The above-mentioned FIG. 1 details the transaction route identification method of the present invention. The transaction route identification system and the terminal device for realizing the above-described transaction route identification method are respectively described below with reference to FIGS. 2 to 3.

It should be understood that the described embodiments are for illustrative purposes only and are not limited by the scope of the application.

Embodiment 2

2 is a schematic structural diagram of a preferred embodiment of the transaction route identification system of the present invention.

The transaction route identification system 10 of the present invention may comprise a plurality of program segments consisting of computer program code, which may be installed in the terminal device and executed by the terminal device to implement transaction route identification.

In this embodiment, the transaction route identification system 10 shown in FIG. 2 can be divided into a plurality of functional modules according to the functions performed thereby. In this embodiment, the function module at least includes: a detection module 100, a determination module 101, a retrieval module 102, and a routing module 103.

The detection module 100 is configured to detect a card analog transaction signal of the NFC antenna.

In the embodiment of the present invention, the card analog transaction signal may be data received by the NFC antenna.

The determining module 101 is configured to determine an NFC antenna that transmits the card analog transaction signal and acquire an ID of the determined NFC antenna when detecting a card analog transaction signal of the NFC antenna.

The retrieval module 102 is configured to retrieve a corresponding card simulation transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship.

The routing module 103 is arranged to route the card simulated transaction information to a secure transaction unit corresponding to the destination.

In a preferred embodiment of the present invention, the routing destination may be a different secure transaction unit according to different NFC schemes included in the terminal device.

For example, if the terminal device supports both a Host-based Card Emulation (HCE) scheme and a SWP-NFC scheme based on a virtual card mode, the secure transaction unit may include a host system, such as a mobile phone application ( APP) and a security module (Secure Element, SE) such as SWP-SIM or SWP-SD.

For example, if the terminal device supports the SWP-NFC solution of the two SIM cards at the same time, the terminal device includes the first SIM card and the second SIM card, and the first SIM card and the second SIM card both have a security module. The secure transaction unit may include a first SIM card and a security module corresponding to the second SIM card.

For another example, if the terminal device supports the dual-system dual-domain NFC solution at the same time, the secure transaction unit may include a host system and/or a security module in a normal domain or a security domain.

It is assumed that a terminal device supports an NFC scheme of a dual SIM card, and the card analog transaction can be routed to the first SIM card or the second SIM card. In the existing solution, the user usually needs to use the first SIM card or the second SIM card. If it needs to be changed, it can be reset, but it cannot be changed in the shutdown state.

The embodiment of the present invention may preset a transaction routing relationship, where the transaction routing relationship may be recorded in a transaction routing relationship table, where the correspondence between the ID of the NFC antenna and the destination of the card simulated transaction may be stored. As shown in the following table:

ID of the NFC antenna Card simulation transaction routing destination (secure transaction unit) 1 First SIM card 2 Second SIM card ...... ......

Therefore, when the determining module 101 determines that the ID of the NFC antenna that acquires the analog transaction signal is 1, the retrieval module may retrieve the card analog transaction routing destination according to the preset transaction routing relationship table. The first SIM card is used by the routing module 103 to route the card simulation transaction information to the security module corresponding to the first SIM card.

In the preferred embodiment of the present invention, the transaction routing relationship table may be stored in the terminal device.

The above-described integrated unit implemented in the form of a software function module can be stored in a computer readable storage medium. The above software function module is stored in a storage medium, and includes a plurality of instructions for causing a terminal device (which may be a personal computer, a smart phone, a tablet computer, a smart wearable device, etc.) or a processor to execute various implementations of the present invention. Part of the steps of the method described.

Embodiment 3

As shown in FIG. 3, it is a schematic structural diagram of a terminal device that implements the transaction route identification method of the present invention.

The terminal device 1000 of the present invention may be, but not limited to, a personal computer, a smart phone, a tablet computer, and a smart wearable device, including a watch, a wristband, glasses, and the like.

As shown in FIG. 3, the terminal device 1000 in the embodiment of the present invention includes an NFC chip 1, a first NFC antenna 20, a second NFC antenna 21, a first secure transaction unit 30, and a second secure transaction unit 31.

The first NFC antenna 20 corresponds to the first secure transaction unit 30, and the second NFC antenna 21 corresponds to the second secure transaction unit 31.

In other preferred embodiments of the present invention, the terminal device 1000 may also include more than two NFC antennas and two or more secure transaction units according to different requirements, and is not limited to the above embodiments.

The NFC chip 1 has a communication function and a certain computing power, and some models even include an encryption logic circuit and an encryption/decryption module.

The first NFC antenna 20 and the second NFC antenna 21 are a near field coupling antenna, and generally a coupling coil is formed with a magnetic film for power transmission and data reception.

The first NFC antenna 20 and the second NFC antenna 21 may be built in the terminal device 100 and located at different locations of the terminal device 1000.

In a preferred embodiment of the present invention, the first NFC antenna 20 may be located on an upper side of the terminal device 1000, and the second NFC antenna 21 may be located on a lower side of the terminal device 1000.

The first NFC antenna 20 and the second NFC antenna 21 both have an ID (identification number).

In the preferred embodiment of the present invention, if the terminal device 1000 supports both a Host-based Card Emulation (HCE) scheme and a SWP-NFC scheme based on a virtual card mode, the first secure transaction unit 30 may be a host system, such as a mobile phone application (APP), and the second secure transaction unit 31 may be a Secure Module (SE) such as SWP-SIM or SWP-SD; The SWP-NFC solution supports two SIM cards, that is, the terminal device 1000 includes a first SIM card and a second SIM card, and the first SIM card and the second SIM card both have a security module, and the first secure transaction The unit 30 may be a first SIM card, and the second secure transaction unit 31 may be a second SIM card; and if the terminal device 1000 simultaneously supports a dual system dual domain NFC scheme, the first secure transaction unit 30 may be a host system and/or security module of a common domain, and the second secure transaction unit 31 may be a host system and/or a security module of the security domain.

In the preferred embodiment of the present invention, the terminal device 1000 further stores a transaction routing relationship table for storing the correspondence between the ID of the NFC antenna and the card simulation transaction routing destination.

In the embodiment of the present invention, the NFC chip 1 may include one or more microprocessors and digital processors, and the transaction route identification system 10 may be executed to implement:

When detecting a card analog transaction signal of the NFC antenna, determining an NFC antenna that transmits the card analog transaction signal and acquiring an ID of the determined NFC antenna;

Retrieving a corresponding card analog transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship; and

The card simulation transaction information is routed to a secure transaction unit corresponding to the destination.

In a preferred embodiment of the present invention, the at least two secure transaction units respectively comprise a host system or a security module;

Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards;

Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.

In a preferred embodiment of the present invention, the transaction routing relationship is recorded in a transaction routing relationship table, and the transaction routing relationship table stores a correspondence between an ID of the NFC antenna and a card simulation transaction routing destination.

Embodiment 4

Embodiments of the present invention also provide a computer readable storage medium storing one or more programs, the one or more programs including instructions that, when executed by a terminal device including one or more processors, cause The terminal device performs a transaction route identification method of a terminal device as described in the foregoing method embodiment.

In the above embodiments, the descriptions of the various embodiments are different, and the parts that are not described in detail in a certain embodiment can be referred to the related description of other embodiments.

It should be noted that, for the foregoing method embodiments, for the sake of brevity, they are all described as a series of action combinations, but those skilled in the art should understand that the present invention is not limited by the described action sequence, because In accordance with the present invention, certain steps may be performed in other sequences or concurrently. In addition, those skilled in the art should also understand that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by the present invention.

A person skilled in the art may understand that all or part of the various steps of the foregoing embodiments may be performed by a program to instruct related hardware. The program may be stored in a computer readable storage medium, and the storage medium may include: ROM, RAM, disk or CD.

In the several embodiments provided by the present invention, it should be understood that the disclosed system and method can be implemented in other manners. For example, the system embodiment described above is merely illustrative. For example, the division of the module is only a logical function division, and the actual implementation may have another division manner.

The modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment.

In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of hardware plus software function modules.

It is apparent to those skilled in the art that the present invention is not limited to the details of the above-described exemplary embodiments, and the present invention can be embodied in other specific forms without departing from the spirit or essential characteristics of the invention. Therefore, the present embodiments are to be considered as illustrative and not restrictive, and the scope of the invention is defined by the appended claims instead All changes in the meaning and scope of equivalent elements are included in the present invention. Any accompanying drawings in the claims should not be construed as limiting the claim. In addition, it is to be understood that the word "comprising" does not exclude other elements or steps. The plurality of modules or systems set forth in the system claims may also be implemented by a module or system by software or hardware. The first, second, etc. words are used to denote names and do not denote any particular order.

In the following, it should be understood that the above embodiments are only illustrative of the technical solutions of the present invention, and are not intended to limit the details of the present invention, and those skilled in the art will understand that the technology of the present invention can be Modifications or equivalents are made without departing from the spirit and scope of the invention.

Claims (10)

 A terminal device, the terminal device includes an NFC chip, and the terminal device further includes: At least two NFC antennas and at least two secure transaction units, each of which corresponds to a secure transaction unit.  The terminal device according to claim 1, wherein the at least two NFC antennas are respectively located at different positions on the terminal device.  The terminal device according to claim 1, wherein said at least two secure transaction units respectively comprise a host system or a security module; Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards; Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.  The terminal device as claimed in claim 3, wherein the terminal device stores a transaction routing relationship table for storing a correspondence between an ID of the NFC antenna and a card analog transaction routing destination.  A transaction route identification method, wherein the transaction route identification method is applied to the terminal device according to claim 1, the transaction route identification method includes: Determining an NFC antenna ID that receives the card analog transaction signal when receiving the card analog transaction signal through the NFC antenna; Retrieving a corresponding card analog transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship; and The card simulation transaction information is routed to a secure transaction unit corresponding to the destination.  The transaction route identification method according to claim 5, wherein the at least two secure transaction units respectively comprise a host system or a security module; Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards; Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.  The transaction route identification method according to claim 5, wherein said transaction routing relationship is recorded in a transaction routing relationship table, wherein said transaction routing relationship table stores an ID of an NFC antenna and a correspondence of a card simulation transaction routing destination relationship.  A transaction route identification system, characterized in that the transaction route identification system is operated in the terminal device according to claim 1, the transaction route identification system comprising: a detection module configured to detect a card analog transaction signal of the NFC antenna; a determining module, configured to determine an NFC antenna that transmits the card analog transaction signal and obtain an ID of the determined NFC antenna; a retrieval module, configured to retrieve a corresponding card simulation transaction routing destination according to the ID of the NFC antenna and a preset transaction routing relationship; and A routing module is configured to route the card simulated transaction information to a secure transaction unit corresponding to the destination.  The transaction route identification system according to claim 8, wherein said at least two secure transaction units respectively comprise a host system or a security module; Or the at least two secure transaction units respectively comprise security modules in at least two SIM cards; Or the at least two secure transaction units respectively comprise a common domain or a host system or a security module in a secure domain.  The transaction route identification system according to claim 9, wherein said transaction routing relationship is recorded in a transaction routing relationship table, wherein said transaction routing relationship table stores an ID of an NFC antenna and a correspondence of a card simulation transaction routing destination relationship.

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