Mobile payment smart card and control method thereof

Abstract

The invention discloses a mobile payment smart card. The mobile payment smart card is integrated with a main control communication smart card chip and a financial smart card chip with payment function in an SIP mode, wherein the main control chip is communicated with a mobile phone or other external equipment and performs access control on an affiliated payment smart card chip. The mobile paymentsmart card has contact and non-contact functions, the contact function is controlled by the main control chip, and the non-contact function is controlled by the financial smart card chip. The main control chip is a high-capacity soft mask chip and can support changeful communication application requirements, and the access control of the main control chip on the affiliated payment chip enables the mobile payment smart card to realize STK extension such as financial account information search, aerial earmark and the like by the telecommunication function provided by the main control chip. The affiliated payment chip independent from the main control chip executes the non-contact function, and the mobile payment smart card has higher comprehensive stability due to a parallel processing architecture of the two chips; and the physical independence of the affiliated payment chip ensures that the data has high security of financial level.

Description

【Technical field】 [0001] The invention relates to a mobile payment smart card and a control method thereof, in particular to a dual-chip mobile payment smart card and a control method thereof. 【Background technique】 [0002] Mobile payment is usually also called mobile payment, which allows users to make on-site payment for the goods or services they consume through the terminal equipment they carry, such as swiping a card to buy tickets when taking a bus or subway, swiping a card to buy movie tickets at a movie theater, and buying a movie ticket at a supermarket or The hotel pays by credit card. [0003] The realization of mobile payment on the terminal mainly depends on two methods. The first way is to develop applications directly on the hardware platform provided by the mobile phone, such as the NFC (Near Field Communication, short-distance wireless communication) mobile phone of NTT DoCoMo in Japan, which is used to realize radio frequency chips for wireless communicat...

AI Technical Summary

Problems solved by technology

[0013] (1) The interface standard of the SWP solution conforms to international standards, and can be effectively compatible with existing 13.56MHz contactless applications. However, there are still very few terminals supporting SWP, and there are no commercial terminals launched in large quantities. Users replace terminals for payment functions The requirements will be the biggest obstacle to this technical solution

[0014] (2) The 13.56MHz single-chip dual-interface smart card chip currently generally has a small user space, and in the field of communication applications, it is generally necessary to support more than 64K telecom value-added application space, which makes it difficult for the single-chip dual-interface smart card to be suitable for the current mobile payment card application In some cases, the focus is on the display of payment functions, and the rich communication applications are basically abandoned; in addition, the existing single-chip dual-interface smart card chips basically need mask development, and its development cycle is relatively long, making it difficult to adapt to mobile communication applications. Rapidly Changing User Needs

Radio Frequency (RF) smart card uses 2.4G radio frequency chip and antenna with small size and good signal penetration. The lack of international standard support requires a lot of transformation work on the existing payment environment. On the one hand, operators need to bear huge equipment transformation costs. On the other hand, due to the uncertain risks brought by the lack of standard support, this technology is also very difficult It is difficult to obtain strong support from some partners

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