Multipurpose contactless card supporting large amount payment and online recharge and application method thereof

Abstract

The invention discloses a multipurpose contactless card which supports large amount payment and online recharge; the multipurpose contactless card is composed of a central processing unit, a data memory for storing an operating system, a memory for storing application data, an encryption part for encryption and decryption operation, a radio frequency interface circuit and a hardware communication interface corresponding to a mobile phone TF card slot. The hardware communication interface comprises a NO. 0 data interface, a NO.1 data interface, a NO.3 data interface, a CMD command communication interface, a CLK clock input interface, a power supply anode VCC interface and a ground GND interface. The invention also discloses an application method and an authentication method required by the application method; the application method supports large amount payment, online recharge and adapts to various authentication reader-writers, and is applicable to the multipurpose contactless card supporting large amount payment and online recharge; the security, reliability and accuracy of payment and recharge functions of the multipurpose contactless card supporting large amount payment and online recharge are guaranteed, and the practicality of the invention is also greatly improved.

Description

technical field [0001] The invention belongs to the technical field of non-contact IC card application, and uses a non-contact IC card to communicate with a designated IP address server system or a merchant server system through GPRS or 3G through a mobile phone microprocessor MCU to realize payment or recharging. Background technique [0002] Contactless IC card (CICC) has an extremely broad application market and development prospects in modern human society, such as: urban public transportation, automatic highway toll collection, car refueling, goalkeeper attendance, identification, qualification certification, small consumption, logistics management, Anti-theft and anti-counterfeiting... almost involve every field of human life. [0003] However, the traditional non-contact IC card mainly has the following defects: [0004] 1. Due to the passive power supply method, the size of the card is relatively large; [0005] 2. The traditional non-contact IC card can only rely ...

AI Technical Summary

Problems solved by technology

[0004] 1. Due to the passive power supply method, the size of the card is relatively large;

[0005] 2. The traditional non-contact IC card can only rely on the dedicated RF reader to read the E in the card. 2 To increase the value of PROM is to recharge, which is extremely inconvenient to operate;

[0006] 3. Since the traditional non-contact IC card payment method is to read the E in the card through the RF reader 2 The value of the PROM is deducted, and the traditional non-contact IC card cannot report the loss, so the current non-contact IC card payment can only be used for small amount of payment;

[0007] 4. Narrow application range: Traditional non-contact IC cards and even other IC cards do not provide data input and output ports for communication with external MCUs, so they can only communicate with designated Reader communication for isolated functional applications, unable to expand its use

[0008]With the development of Internet technology, major commercial banks have launched online payment systems (namely the designated IP address server system referred to below), but the operation must Manually inputting complex card numbers, names and other information will cause great inconvenience in real-life purchases (for example, when shopping in a supermarket, it takes a long time from knowing the card number and name to the completion of the input, and the procedures are also quite complicated.

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