Card management method and related equipment

Abstract

The invention discloses a card management method and related equipment, terminal equipment can activate part or all of a plurality of opened NFC simulation cards, if the NFC simulation card which a user wants to use is in an activated state, the NFC simulation card can be directly and normally used, and if the NFC simulation card which the user wants to use is not in the activated state, the NFC simulation card can be directly and normally used. If yes, the terminal equipment can automatically activate the NFC simulation card, and the NFC simulation card can be normally used after being activated. Therefore, a user does not need to manually switch the card, user operation is simplified, convenience and rapidness are achieved, card swiping time consumption is reduced, the card swiping success rate is increased, and the user experience is improved.

Description

Technical Field

[0001] The present application relates to the field of terminal technology, and in particular to a card management method and related equipment. Background Art

[0002] With the development of communication technology, many terminal devices (such as mobile phones and watches) can interact with card readers (such as subway / bus / campus gates, home door locks, vehicles, etc.) through near-field communication (NFC) technology to implement card emulation (CE) functions. In other words, the terminal device can be used to simulate the interaction process between the physical card and the card reader.

[0003] Taking the card reader as a turnstile as an example, when a user wants to pass through the turnstile, he or she can place the terminal device close to the turnstile to simulate the card swiping operation. After the card is swiped successfully, the gate can be opened and the user can pass through the turnstile.

[0004] However, in the above-mentioned card swiping process, problems such as long card swiping time and low card swiping success rate usually occur, resulting in a poor user experience. Summary of the Invention

[0005] The present invention provides a card management method and related devices, which enable a terminal device to activate at least two NFC simulated cards from among multiple activated NFC simulated cards. This reduces the time required to swipe an NFC simulated card, increases the success rate of swiping, and enhances the user experience.

[0006] In a first aspect, an embodiment of the present application provides a card management method, which is applied to a terminal device, and the method includes: the terminal device is close to a first card reader device that supports a first near-field communication NFC simulated card; the terminal device receives a first identifier sent by the first card reader device; the terminal device selects a first NFC simulated card from multiple activated NFC simulated cards based on the first identifier, and the first NFC simulated card is associated with the first identifier; the terminal device executes a first task based on the first NFC simulated card; and the terminal device sends the execution result of the first task to the first card reader device.

[0007] Among them, the above-mentioned first NFC simulated card can be an NFC simulated card activated on the terminal device (such as a transportation card, etc.), the first card reading device can be a card reading device that supports the first NFC simulated card (such as a transportation card gate, etc.), the first identifier can be the AID of the first NFC simulated card, and the first task can be a task that the first NFC simulated card can perform (such as payment, identity authentication, etc.).

[0008] It should be noted that the “activated state” mentioned in this application may also be referred to as the first state.

[0009] By implementing the method provided in the first aspect, when a user uses a terminal device to perform a card swiping operation, the terminal device can directly select the first NFC simulated card from multiple activated NFC simulated cards to perform NFC transactions without switching cards, thereby reducing the time consumed in swiping the card and improving the success rate of swiping the card.

[0010] In a possible implementation, the terminal device activates M NFC simulation cards, some or all of the M NFC simulation cards are in an activated state, and the activated NFC simulation cards include a first NFC simulation card and a second NFC simulation card.

[0011] The first NFC simulated card and the second NFC simulated card are two different NFC simulated cards.

[0012] That is to say, in this application, among the multiple NFC simulated cards activated on the terminal device, at least two NFC simulated cards can be in an activated state and available at the same time. In this way, when the user performs a card swiping operation, the terminal device can reduce the number of card switching times to a certain extent, thereby improving the card swiping success rate. Preferably, the terminal device can activate all of these multiple activated NFC simulated cards. In this way, when the user performs a card swiping operation, the terminal device does not need to switch cards in real time. All cards are available at the same time. The user can directly perform NFC transactions when swiping the card, which can maximize the card swiping success rate.

[0013] In a possible implementation, the method also includes: the terminal device approaches a second card reader device that supports a second NFC simulated card; the terminal device receives a second identifier sent by the second card reader device; the terminal device selects a second NFC simulated card from multiple activated NFC simulated cards based on the second identifier, and the second NFC simulated card is associated with the second identifier; the terminal device executes a second task based on the second NFC simulated card; the terminal device sends the execution result of the second task to the second card reader device; wherein the second identifier is different from the first identifier.

[0014] Among them, the above-mentioned second NFC simulated card can be an NFC simulated card activated on the terminal device that is different from the first NFC simulated card (such as a car key, etc.), the second card reader device can be a card reader device that supports the second NFC simulated card (such as a vehicle, etc.), the second identifier can be the AID of the second NFC simulated card, and the second task can be a task that the second NFC simulated card can perform (such as opening a car door, etc.).

[0015] In this way, when the user performs a card swiping operation, the terminal device can directly select the first NFC simulated card from multiple activated NFC simulated cards to perform NFC transactions without switching cards, reducing the time consumed in card swiping and improving the success rate of card swiping.

[0016] In a possible implementation, after the terminal device selects the second NFC simulated card from a plurality of activated NFC simulated cards based on the second identifier, the first NFC simulated card remains in the activated state.

[0017] That is to say, when the terminal device chooses to use the second NFC simulated card to conduct NFC transactions with the second card reader, the first NFC simulated card can still be in an activated state. In this way, when the first NFC simulated card needs to be used, there is no need to re-activate the card, which reduces the time spent on card swiping and improves the success rate of card swiping.

[0018] In one possible implementation, before the terminal device sends the execution result of the second task to the second card reader device, the method further includes: the terminal device sends a first NFC protocol parameter with a first value to the second card reader device; before the terminal device sends the execution result of the first task to the first card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with a first value to the first card reader device.

[0019] The first NFC protocol parameter may be the contactless parameter mentioned in the following embodiment, and the first value may be the value of the system-level contactless parameter mentioned in the following embodiment.

[0020] In an embodiment of the present application, after the terminal device approaches the first card reader device and the second card reader device, it can send system-level contactless parameters and their values ​​to the first card reader device and the second card reader device to negotiate the NFC interaction rate with the first card reader device and the second card reader device, so that the NFC transaction task can be completed smoothly subsequently.

[0021] In a possible implementation, both the first NFC simulation card and the second NFC simulation card are activated by the terminal device based on a first NFC protocol parameter with a first value.

[0022] In other words, the terminal device activates the activated NFC emulated card based on the system-level contactless parameter values. In this way, the terminal device can use the system-level contactless parameter values ​​to conduct NFC transactions with the card reader when using different NFC emulated cards.

[0023] In one possible implementation, before the terminal device approaches a first card reader device that supports a first near-field communication NFC simulation card, the method further includes: the terminal device obtains a first NFC protocol parameter with a second value; the terminal device adjusts the first NFC protocol parameter with the second value to the first NFC protocol parameter with the first value; before the terminal device approaches a second card reader device that supports a second NFC simulation card, the method further includes: the terminal device obtains a first NFC protocol parameter with a third value; the terminal device adjusts the first NFC protocol parameter with the third value to the first NFC protocol parameter with the first value; wherein the second value is associated with the first NFC simulation card, the third value is associated with the second NFC simulation card, and the second value and the third value are different.

[0024] The second value may be the value of the original contactless parameter corresponding to the first NFC simulation card, and the third value may be the value of the original contactless parameter of the second NFC simulation card.

[0025] That is to say, after activating the NFC simulated card, the terminal device can first obtain the value of the original contactless parameter corresponding to the NFC simulated card, and then adjust the value of the original contactless parameter to the value of the system-level contactless parameter, and then activate the NFC simulated card based on the value of the system-level contactless parameter.

[0026] In a possible implementation, the first NFC protocol parameter, the first value, the second value, and the third value are pre-stored on the terminal device, or are obtained by the terminal device from the server.

[0027] That is to say, the system-level contactless parameters and their values, and the original contactless parameters and their values ​​of the NFC simulated card can be pre-stored on the terminal device or stored on the server, and the terminal device can obtain them from the server when needed.

[0028] In a possible implementation, the method further includes: the terminal device updates the first NFC protocol parameter with the first value to the first NFC protocol parameter with a fourth value; before the terminal device sends the execution result of the second task to the second card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with the fourth value to the second card reader device; before the terminal device sends the execution result of the first task to the first card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with the fourth value to the first card reader device.

[0029] That is to say, in actual applications, the values ​​of the system-level contactless parameters can be updated according to actual needs. After the update, the terminal device will use the updated values ​​of the system-level contactless parameters to perform NFC communication with the card reader device.

[0030] In a possible implementation, the terminal device displays a first user interface, where the first user interface includes a plurality of activated NFC simulated cards.

[0031] The first user interface may be a user interface for displaying a currently activated card.

[0032] In this way, after activating multiple NFC simulated cards, the terminal device can also display these multiple activated NFC simulated cards on the user interface for the user to view.

[0033] In a possible implementation, the terminal device includes a security chip, and the terminal device adjusts the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value, specifically including: the security chip adjusts the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value; the terminal device adjusts the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value, specifically including: the security chip adjusts the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value.

[0034] That is to say, the terminal device can use the security chip to perform the operation of "adjusting the original contactless parameter values ​​of the NFC simulated card to the values ​​of the system-level contactless parameters".

[0035] In a possible implementation, the terminal device further includes a first application. Before the security chip adjusts the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value, the method further includes: the first application sends a first message to the security chip, where the first message is used to instruct the security chip to adjust the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value; before the security chip adjusts the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value, the method further includes: the first application sends a second message to the security chip, where the second message is used to instruct the security chip to adjust the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value.

[0036] Among them, the above-mentioned first application can be a business management application (such as a wallet application).

[0037] That is, the terminal device can instruct the security chip through the first application to perform the operation of "adjusting the original contactless parameter values ​​of the NFC simulated card to the system-level contactless parameter values".

[0038] In a possible implementation, the terminal device further includes an NFC chip and an NFC service module, and the method further includes: the NFC service module sends a first NFC protocol parameter with a first value to the NFC chip; the NFC chip saves the first NFC protocol parameter with the first value; the terminal device sends the first NFC protocol parameter with the first value to the second card reader device, specifically including: the NFC chip sends the first NFC protocol parameter with the first value to the second card reader device; the terminal device sends the first NFC protocol parameter with the first value to the first card reader device, specifically including: the NFC chip sends the first NFC protocol parameter with the first value to the first card reader device.

[0039] That is to say, after activating the NCF simulated card, the NFC service module can send the system-level contactless parameters and their values ​​used by the security chip when activating the NFC simulated card to the NFC information, so that the subsequent NFC chip can use the system-level contactless parameters and their values ​​to communicate with the card reader device through NFC.

[0040] In one possible implementation, the first NFC protocol parameter includes one or more of the following: a unique identifier UID, a request response SAK of a SELECT command, a request response ATQA of a REQA command, historical bytes ATS History Bytes of the selection response, a frame waiting time and a start frame protection time FWI, SFGI, a supported card identifier field CIDSupport, and a maximum data transmission rate Max Data Rate.

[0041] In a possible implementation, the terminal device is in a powered-off state.

[0042] That is to say, when the terminal device is turned off and the user performs a card swiping operation, these multiple activated NFC simulated cards are still available, improving the user experience.

[0043] In second aspect, an embodiment of the present application provides a card management method, which is applied to a terminal device, and the method includes: the terminal device is close to a first card reader device that supports a first NFC simulated card, and the terminal device sends a first NFC protocol parameter with a first value to the first card reader device; the terminal device is close to a second card reader device that supports a second NFC simulated card, and the terminal device sends a first NFC protocol parameter with a first value to the second card reader device; wherein, the first NFC simulated card is different from the second NFC simulated card.

[0044] The first NFC protocol parameter may be the contactless parameter mentioned in the following embodiment, and the first value may be the value of the system-level contactless parameter mentioned in the following embodiment.

[0045] That is to say, when the terminal device uses different NFC simulated cards to interact with the card reader device for NFC, the values ​​of the NFC protocol parameters used by the terminal device are the same.

[0046] In a possible implementation, the terminal device activates M NFC simulation cards, some or all of the M NFC simulation cards are in an activated state, and the activated NFC simulation cards include a first NFC simulation card and a second NFC simulation card.

[0047] The first NFC simulated card and the second NFC simulated card are two different NFC simulated cards.

[0048] That is to say, in this application, among the multiple NFC simulated cards activated on the terminal device, at least two NFC simulated cards can be in an activated state and available at the same time. In this way, when the user performs a card swiping operation, the terminal device can reduce the number of card switching times to a certain extent, thereby improving the card swiping success rate. Preferably, the terminal device can activate all of these multiple activated NFC simulated cards. In this way, when the user performs a card swiping operation, the terminal device does not need to switch cards in real time. All cards are available at the same time. The user can directly perform NFC transactions when swiping the card, which can maximize the card swiping success rate.

[0049] In a possible implementation, the method also includes: the terminal device receives a first identifier sent by a first card reader device; the terminal device selects a first NFC simulated card from multiple activated NFC simulated cards based on the first identifier, and the first NFC simulated card is associated with the first identifier; the terminal device performs a first task based on the first NFC simulated card; the terminal device sends the execution result of the first task to the first card reader device; the terminal device receives a second identifier sent by a second card reader device; the terminal device selects a second NFC simulated card from multiple activated NFC simulated cards based on the second identifier, and the second NFC simulated card is associated with the second identifier; the terminal device performs a second task based on the second NFC simulated card; the terminal device sends the execution result of the second task to the second card reader device; wherein the second identifier is different from the first identifier.

[0050] In this way, when the user uses the terminal device to perform a card swiping operation, the terminal device can directly select an NFC simulated card from multiple activated NFC simulated cards to perform NFC transactions without switching cards, reducing the time consumed in swiping the card and improving the success rate of swiping the card.

[0051] In a possible implementation, after the terminal device selects the second NFC simulated card from a plurality of activated NFC simulated cards based on the second identifier, the first NFC simulated card remains in the activated state.

[0052] That is to say, when the terminal device chooses to use the second NFC simulated card to conduct NFC transactions with the second card reader, the first NFC simulated card can still be in an activated state. In this way, when the first NFC simulated card needs to be used, there is no need to re-activate the card, which reduces the time spent on card swiping and improves the success rate of card swiping.

[0053] In a possible implementation, both the first NFC simulation card and the second NFC simulation card are activated by the terminal device based on a first NFC protocol parameter with a first value.

[0054] In other words, the terminal device activates the activated NFC emulated card based on the system-level contactless parameter values. In this way, the terminal device can use the system-level contactless parameter values ​​to conduct NFC transactions with the card reader when using different NFC emulated cards.

[0055] In one possible implementation, before the terminal device approaches a first card reader device that supports a first near-field communication NFC simulation card, the method further includes: the terminal device obtains a first NFC protocol parameter with a second value; the terminal device adjusts the first NFC protocol parameter with the second value to the first NFC protocol parameter with the first value; before the terminal device approaches a second card reader device that supports a second NFC simulation card, the method further includes: the terminal device obtains a first NFC protocol parameter with a third value; the terminal device adjusts the first NFC protocol parameter with the third value to the first NFC protocol parameter with the first value; wherein the second value is associated with the first NFC simulation card, the third value is associated with the second NFC simulation card, and the second value and the third value are different.

[0056] The second value may be the value of the original contactless parameter corresponding to the first NFC simulation card, and the third value may be the value of the original contactless parameter of the second NFC simulation card.

[0057] That is to say, after activating the NFC simulated card, the terminal device can first obtain the value of the original contactless parameter corresponding to the NFC simulated card, and then adjust the value of the original contactless parameter to the value of the system-level contactless parameter, and then activate the NFC simulated card based on the value of the system-level contactless parameter.

[0058] In a possible implementation, the first NFC protocol parameter, the first value, the second value, and the third value are pre-stored on the terminal device, or are obtained by the terminal device from the server.

[0059] That is to say, the system-level contactless parameters and their values, and the original contactless parameters and their values ​​of the NFC simulated card can be pre-stored on the terminal device or stored on the server, and the terminal device can obtain them from the server when needed.

[0060] In a possible implementation, the method further includes: the terminal device updates the first NFC protocol parameter with the first value to the first NFC protocol parameter with a fourth value; before the terminal device sends the execution result of the second task to the second card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with the fourth value to the second card reader device; before the terminal device sends the execution result of the first task to the first card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with the fourth value to the first card reader device.

[0061] That is to say, in actual applications, the values ​​of the system-level contactless parameters can be updated according to actual needs. After the update, the terminal device will use the updated values ​​of the system-level contactless parameters to perform NFC communication with the card reader device.

[0062] In a possible implementation, the terminal device displays a first user interface, where the first user interface includes a plurality of activated NFC simulated cards.

[0063] The first user interface may be a user interface for displaying a currently activated card.

[0064] In this way, after activating multiple NFC simulated cards, the terminal device can also display these multiple activated NFC simulated cards on the user interface for the user to view.

[0065] In a third aspect, an embodiment of the present application provides a card management method, which is applied to a terminal device. The method includes: the terminal device displays a first user interface of a first application, and the first user interface includes M near-field communication NFC simulation cards activated by the terminal device through the first application, where M is a positive integer greater than 1, and the M NFC simulation cards include at least 2 NFC simulation cards in an activated state.

[0066] That is to say, after activating multiple NFC simulated cards, the terminal device can also display these multiple activated NFC simulated cards on the user interface for the user to view.

[0067] In one possible implementation, at least two activated NFC simulated cards include a first NFC simulated card. Before the first NFC simulated card is activated, the method further includes: the terminal device activates the first NFC simulated card; the terminal device detects the user's confirmation operation to activate the first NFC simulated card, and in response to the operation, the terminal device activates the first NFC simulated card.

[0068] In this way, the terminal device can support users to manually activate the activated NFC simulated card.

[0069] In one possible implementation, at least two activated NFC simulated cards include a second NFC simulated card. Before the second NFC simulated card is activated, the method further includes: the terminal device activates the second NFC simulated card and automatically activates the second NFC simulated card.

[0070] In this way, the terminal device can automatically activate the activated NFC simulated card without the need for manual operation by the user, which is convenient and quick.

[0071] In one possible implementation, the second NFC simulated card is an NFC simulated card that complies with preset rules, and the preset rules include one or more of the following: the priority of the service corresponding to the second NFC simulated card is higher than the first threshold, and the second NFC simulated card is one of the first X NFC simulated cards activated in the terminal device, where X is a positive integer less than or equal to the second threshold.

[0072] That is to say, the terminal device will only automatically activate NFC simulated cards that meet the preset rules. For example, the service priority rule states that NFC simulated cards with service priorities in the top M (where M is a positive integer greater than 1) can be automatically activated, that is, NFC simulated cards with the above service priorities higher than the first threshold can be automatically activated; for example, the card activation order rule states that the first X NFC simulated cards that have been activated can be automatically activated.

[0073] In a fourth aspect, an embodiment of the present application provides a chip system, comprising: a processor, the processor being coupled to a memory, the memory being used to store programs or instructions, and when the programs or instructions are executed by the processor, the chip system executes the method described in any possible implementation of the first aspect, the second aspect, or the third aspect above.

[0074] In a fifth aspect, an embodiment of the present application provides an electronic device, which includes one or more processors and one or more memories; wherein the one or more memories are coupled to the one or more processors, and the one or more memories are used to store computer program code, and the computer program code includes computer instructions, and when the one or more processors execute the computer instructions, the electronic device executes the method described in any possible implementation of the first aspect, the second aspect, or the third aspect above.

[0075] In a sixth aspect, an embodiment of the present application provides a computer storage medium storing a computer program, wherein the computer program includes program instructions. When the program instructions are run on an electronic device, the electronic device executes the method described in any possible implementation of the first aspect, the second aspect, or the third aspect.

[0076] In a seventh aspect, an embodiment of the present application provides a computer program product, which, when running on a computer, enables the computer to execute the method described in any possible implementation of the first aspect, the second aspect, or the third aspect above. BRIEF DESCRIPTION OF THE DRAWINGS

[0077] Figure 1 This is a schematic diagram of a user interface for displaying an activated NFC simulated card provided in an embodiment of the present application; Figure 2 This is a schematic diagram of a scenario in which a terminal device and a card reader device (such as a vehicle, subway / bus gate, etc.) perform NFC communication, as provided in an embodiment of the present application; Figure 3 is a schematic diagram of a communication system provided by an embodiment of the present application; Figure 4 This is a flowchart of a card management method provided in an embodiment of the present application; Figure 5 This embodiment of the present application provides Figure 4 The card management method shown is a schematic diagram of a possible collaboration between various modules within a terminal device, and a possible collaboration between various modules within the terminal device and a card reader; Figure 6 This is a flowchart of another card management method provided in an embodiment of the present application; Figure 7 This embodiment of the present application provides Figure 6 The card management method shown is a schematic diagram of a possible collaboration between various modules within the terminal device 100, and a possible collaboration between various modules within the terminal device 100 and the card reading device 300 and the internal modules of the server 200; Figure 8 The embodiment of this application provides Figure 6 Schematic diagram of changes in contactless parameters and activation status of an NFC simulated card before and after the card management method shown; Figure 9 The terminal device provided in the embodiment of the present application is in the power-on state or the power-off state. Figure 6 The basic implementation logic diagram of the card management method shown; Figure 10 The embodiment of this application provides Figure 6 Schematic diagram of the user interface showing an activated NFC emulated card before and after the card management method shown; Figures 11A-11V is a set of user interface schematic diagrams involved in the card management method provided in the embodiment of the present application; Figure 12This is a flowchart of another card management method provided in an embodiment of the present application; Figure 13 This is a schematic diagram of the software structure of a terminal device provided in an embodiment of the present application; Figure 14 This is a schematic diagram of the structure of a server provided in an embodiment of the present application; Figure 15 This is a hardware structure diagram of a terminal device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0078] The following will be combined with the accompanying drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. In the description of the embodiments of the present application, unless otherwise specified, " / " means or, for example, A / B can mean A or B; "and / or" in the text is only a description of the association relationship of associated objects, indicating that there can be three relationships, for example, A and / or B can mean: A exists alone, A and B exist at the same time, and B exists alone. In addition, in the description of the embodiments of the present application, "multiple" means two or more than two.

[0079] It should be understood that the terms "first," "second," and the like in the specification, claims, and drawings of this application are used to distinguish between different objects, rather than to describe a particular order. Furthermore, the terms "including," "having," and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, product, or apparatus comprising a series of steps or elements is not limited to the listed steps or elements, but may optionally include steps or elements not listed, or may optionally include other steps or elements inherent to the process, method, product, or apparatus.

[0080] References to "embodiments" in this application mean that a particular feature, structure, or characteristic described in connection with the embodiment may be included in at least one embodiment of the application. The appearance of this phrase in various places in the specification does not necessarily refer to the same embodiment, nor does it constitute an independent or alternative embodiment that is mutually exclusive of other embodiments. It is understood, both explicitly and implicitly, by those skilled in the art that the embodiments described in this application may be combined with other embodiments.

[0081] The term "user interface (UI)" in the following embodiments of this application refers to the media interface for interaction and information exchange between an application or operating system and a user. It realizes the conversion between the internal form of information and the form acceptable to the user. The user interface is source code written in a specific computer language such as Java and extensible markup language (XML). The interface source code is parsed and rendered on an electronic device and finally presented as content that the user can recognize. The commonly used form of user interface is graphical user interface (GUI), which refers to a user interface related to computer operations that is displayed in a graphical manner. It can be visual interface elements such as text, icons, buttons, menus, tabs, text boxes, dialog boxes, status bars, navigation bars, widgets, etc. displayed on the display screen of an electronic device.

[0082] First, let’s introduce the working principle of NFC technology.

[0083] Typically, the two parties communicating using NFC technology may include a proximity integrated circuit card (PICC) and a proximity coupling device (PCD), also known as a reader.

[0084] A PCD can implement near-field contactless communication with a PICC. Near-field communication between the PCD and the PICC can occur at a specific data rate (e.g., 106, 212, 424, or 848 kilobits per second (kbps)) and a specific frequency (e.g., 13.56 MHz). Communication between the PCD and the PICC can occur within a short distance between the PCD and the PICC, for example, within a range of less than or equal to 4 centimeters.

[0085] The PCD can generate high-frequency alternating current to create a radio frequency field at a specified frequency (for example, 13.56MHz) and transmit data to the PICC via the radio frequency field. When the PICC approaches the PCD, it can sense the radio frequency field emitted by the PCD. After entering the radio frequency field emitted by the PCD, the PICC can obtain energy from the PCD's radio frequency field through electromagnetic induction. This energy is used to generate electricity to drive the PICC's internal circuits and analyze the data sent by the PCD via the radio frequency field, thereby enabling data transmission from the PCD to the PICC. The PICC can also send data to the PCD by load modulating the radio frequency field, enabling data transmission from the PICC to the PCD.

[0086] The PICC may be a physical NFC tag card.

[0087] In an embodiment of the present application, a terminal device (for example, a mobile phone, watch, bracelet, or other electronic device) can use the data of an NFC simulated card to simulate itself into a PICC that complies with NFC-related standards, thereby realizing the functions of a PICC and communicating with a PCD based on NFC technology.

[0088] In an embodiment of the present application, the terminal device can activate one or more NFC simulated cards in a certain application (such as a wallet application, etc.) based on user operations. These one or more NFC simulated cards can be stored in the terminal device in the form of digital cards to simulate the functions of traditional physical cards and can be widely used in scenarios such as access control, payment, ticketing and identity authentication.

[0089] Among them, the above-mentioned NFC analog card (also called key card or digital card) can include various types of cards, such as bank cards, transportation cards, door lock keys, membership cards, car keys, campus cards, park cards (also called work cards), etc.

[0090] In the embodiment of the present application, the terminal device can support the user to activate multiple NFC simulated cards at the same time, for example Figure 1 The car key 1 , the transportation card 1 , the door lock key 1 , and the park card 1 are shown as examples.

[0091] For some types of NFC emulated cards, the terminal device can support users activating multiple cards simultaneously. For example, if a user owns multiple cars, they can activate multiple car keys at the same time. For another example, if a user frequently works or lives in City 1 and City 2, they can activate Transportation Card 1 for City 1 and Transportation Card 2 for City 2 simultaneously.

[0092] In actual applications, after the terminal device activates the NFC simulated card, it needs to be activated. After activation, the NFC simulated card can be used normally. Specifically, the user only needs to hold the terminal device close to the card reader to complete the corresponding tasks (such as payment, unlocking, etc.) through NFC technology, without the user having to carry a physical card.

[0093] Among them, the above-mentioned card reading devices can be various devices that can support the execution of corresponding tasks through the NFC function, such as subway / bus / park gates, home door locks, vehicles, etc.

[0094] Among them, the above-mentioned proximity to the card reader device may refer to a location on the card reader device where the card can be recognized, such as a door handle / central control on a vehicle, a card sticking location on a subway / bus / park gate, a card sticking location on a home door lock, etc.

[0095] Currently, when multiple NFC emulation cards are activated at the same time, the terminal device can only support activating one of the NFC emulation cards. In some embodiments, the terminal device can support a default card mode, that is, the terminal device can support the user to specify one of the NFC emulation cards that can be in an activated state. For example, see Figure 2 As can be seen, the car key is in an activated state and can be used normally, while the transportation card is in an inactivated state and cannot be used normally. Therefore, when the terminal device approaches the vehicle, the vehicle can complete the door opening task normally, but when the terminal device approaches the subway / bus gate, the gate cannot complete the gate opening task normally. In this case, the user needs to manually switch cards, triggering the terminal device to deactivate the car key and activate the transportation card. The next time the user wants to open the car door, the user still needs to manually switch cards, triggering the terminal device to deactivate the transportation card and activate the car key. In this way, the user needs to manually switch cards repeatedly, which is cumbersome and inconvenient, and will bring a poor user experience.

[0096] Based on the above problems, the embodiment of the present application provides a card management method, in which a terminal device can activate some or all of the multiple NFC simulated cards that have been activated. If the NFC simulated card that the user wants to use is in an activated state, the NFC simulated card can be used normally. If the NFC simulated card that the user wants to use is not in an activated state, the terminal device can automatically activate the NFC simulated card, and it can be used normally after activation. In this way, there is no need for the user to manually switch cards, which simplifies user operations, is convenient and quick, reduces the time spent on card swiping, improves the success rate of card swiping, and enhances the user experience.

[0097] It should be noted that the embodiments of the present application can implement the above-mentioned card management method by adjusting the values ​​of the NFC protocol parameters. Among them, the contactless parameters included in the NFC protocol parameters are used as an example for illustration and should not constitute a limitation of the present application. In some other embodiments of the present application, some other parameters included in the NFC protocol parameters besides the contactless parameters can also be adjusted, and the present application does not limit this.

[0098] It should be noted that the contactless parameters mentioned in this application may also be referred to as first NFC protocol parameters.

[0099] For ease of understanding, the “non-contact parameters” involved in this application are first introduced below.

[0100] Contactless parameters (also called contactless parameters) are NFC protocol parameters used when an NFC simulated card on a terminal device interacts with a card reader (such as a gate or door lock) in a contactless manner via NFC. They are typically used to identify the type of NFC simulated card and negotiate parameters such as the NFC interaction rate.

[0101] The contactless parameter values ​​are typically defined by the issuer of the NFC emulation card's applet. Due to the lack of a unified standard, each NFC emulation card has different contactless parameter values. When the applet is installed, the contactless parameters and their values ​​are sent to the terminal device. When the applet is activated, the contactless parameters and their values ​​are sent to the NFC chip so that the NFC chip can apply the parameters. Because NFC chips can only apply one set of contactless parameters at a time, they cannot be compatible with different values ​​of the same set of contactless parameters. Therefore, when applets for different NFC emulation cards are activated, contactless parameter conflicts may occur.

[0102] Based on the above problem, the method provided in this application can adjust the original contactless parameter values ​​of different NFC simulated cards to a unified contactless parameter value, which can also be called the system-level contactless parameter value. In this way, the contactless parameter conflict problem can be eliminated.

[0103] The method provided in this application mainly involves adjusting the values ​​of some contactless parameters in the ISO 14443-3 protocol and the ISO 14443-4 protocol in the NFC communication protocol.

[0104] Among them, the ISO 14443-3 protocol is mainly used to define the relevant content of initialization and anti-collision, and the ISO 14443-4 protocol is mainly used to define the relevant content of data transmission.

[0105] The main contactless parameters involved in the ISO 14443-3 protocol include UID (unique identifier), SAK (select acknowledge), and ATQA (answer to request, type A). UID is used to indicate the unique identifier of the NFC simulated card, SAK is used to indicate the request response of the SELECT command, and ATQA is used to indicate the request response of the REQA command.

[0106] The main contactless parameters involved in the ISO 14443-4 protocol include ATS History Bytes, FWI, SFGI (frame waiting time and start-up frame guard time), CID Support (support of the card identifier field), and Max Data Rate. ATS History Bytes indicates the history bytes of the answer to select (ATS), FWI, SFGI indicates the frame waiting time and start-up frame guard time, CID Support indicates the supported card identifier field, and Max Data Rate indicates the maximum data transmission rate.

[0107] Each contactless parameter has a corresponding value, which can include protocol data and a mandatory mask. As long as at least one of the protocol data and the mandatory mask is different, the values ​​are considered different.

[0108] For example, referring to Table 1 and Table 2, Table 1 shows an example of the original contactless parameters of a certain transportation card and their values, and Table 2 shows an example of the original contactless parameters of a certain car key and their values. It can be seen that for the above-mentioned transportation card and car key, the values ​​of most contactless parameters are different, only the value of SAK is the same.

[0109] It is easy to understand that as long as the value of one contactless parameter in a set of contactless parameters of two NFC simulated cards is different, it can be considered that the values ​​of the contactless parameters of the two NFC simulated cards are different.

[0110] For example, referring to Table 3, Table 3 shows examples of system-level contactless parameters and their values.

[0111] In this application, the system-level contactless parameters and their values ​​are preset and can be pre-stored in a server. The terminal device can obtain them from the server when needed, or they can be pre-stored on the terminal device. The system-level contactless parameters and their values ​​can be a set of common contactless parameters and their values ​​determined after verifying the contactless parameters and their values ​​of multiple NFC simulated cards. These multiple NFC simulated cards can all use this set of contactless parameters and their values ​​to implement NFC transactions with the card reader device.

[0112]

[0113] Table 1

[0114] Table 2

[0115] Table 3 It should be noted that the protocol data and mandatory mask corresponding to each contactless parameter shown in Table 1, Table 2, and Table 3 are merely exemplary and should not constitute a limitation to the present application.

[0116] The following describes a communication system provided by an embodiment of the present application.

[0117] Figure 3 A communication system provided by an embodiment of the present application is exemplified.

[0118] See Figure 3 The communication system may include: a terminal device 100, a server 200, and a card reading device 300.

[0119] The terminal device 100 may be any type of smart electronic device, such as a mobile phone, a watch / bracelet, or other wearable device. The embodiment of the present application does not limit the type of the terminal device 100.

[0120] In the embodiment of the present application, the terminal device 100 may include a service management application, an NFC service module, an NFC chip, and a security chip.

[0121] The service management application is an application (such as a wallet application) installed on the terminal device 100. As a service initiator, it can be used to accept the user's card activation (i.e., activation of an NFC simulated card) request and write one or more NFC simulated card applets and their card data to the security chip; it can also be used to send system-level contactless parameters and their values ​​to the security chip during the card activation process; it can also be used to trigger the security chip to activate one or more activated NFC simulated card applets; and so on.

[0122] The applet can be an application program that implements the business processing logic of the NFC emulated card. It serves as the carrier of the NFC emulated card in the security chip and can be used to store business keys. After activation, the applet can support the terminal device 100 to communicate with the card reader 300 via NFC. The applet can be stored and executed in the security chip. Each NFC emulated card can correspond to an applet, and each applet can be associated with a unique application identifier (AID). The activated applet can be selected by specifying the AID for subsequent NFC transactions with the card reader 300.

[0123] In the embodiment of the present application, activating the Applet of the NFC simulated card means activating the NFC simulated card.

[0124] The NFC service module is a system service module in the terminal device 100, which can be used to receive instructions issued by the business management application to trigger the security chip to activate the Applet of the activated NFC simulated card; it can also be used to receive instructions issued by the business management application to trigger the security chip to adjust the saved contactless parameters and their values; it can also be used to send the contactless parameters and their values ​​to the NFC chip so that the NFC chip can save the contactless parameters and their values; and so on.

[0125] The NFC chip is the NFC module in the terminal device 100. As a contactless front-end (CLF) module, it can be used to communicate with the card reader device 300 based on the NFC standard protocol; it can also be used to save the contactless parameters and values ​​of the activated NFC simulated card; and so on.

[0126] Typically, during NFC communication between the terminal device 100 and the card reader device 300, the NFC chip can forward the NFC command received from the card reader device 300 to the Applet in the security chip to trigger the Applet to process the NFC command and generate response data. The security chip can send the response data to the NFC chip, and the NFC chip can send the response data to the card reader device 300.

[0127] The security chip is a secure element (SE) in the terminal device 100. As a contactless registry service (CRS) module and secure storage module, it can be used to store NFC simulated card applets for various services; it can also be used to manage the activation status of the applet; it can also be used to provide the operating environment of the NFC simulated card applet and store and process the business data of the NFC simulated card; and so on.

[0128] It is easy to understand that when the security chip activates an Applet of an NFC simulated card, the Applet can support NFC transactions between the terminal device 100 and the card reader device 300; when the security chip does not activate an Applet of an NFC simulated card, the Applet cannot support NFC transactions between the terminal device 100 and the card reader device 300.

[0129] It should be noted that the current security chip only supports modifying the value of the SAK parameter in the contactless parameters. In order to be able to apply system-level contactless parameters, the security chip is required to support modifying more parameters. Therefore, in an embodiment of the present application, the security chip can provide new instructions through firmware upgrades to uniformly modify the values ​​of the original contactless parameters, such as those shown in Tables 1 and 2 above, to the values ​​of the system-level contactless parameters, such as those shown in Table 3 above.

[0130] The server 200 may be a traditional server or a cloud server, which is not limited in this embodiment of the present application.

[0131] In the embodiment of the present application, the server 200 may include a trusted service manager (TSM) module and may also include other service modules.

[0132] The trusted service management module can be used to provide cloud-side management services for security chips. It holds the security chip key and can achieve secure communication with the security chip based on a secure channel.

[0133] In an embodiment of the present application, the server 200 can manage the security chip of the terminal device 100 through the trusted service management module to achieve parameter delivery capabilities, etc.

[0134] For example, when the terminal device 100 needs to activate an NFC simulation card, the server 200 can send the Applet of the NFC simulation card, the original contactless parameters of the NFC simulation card and their values ​​to the terminal device 100, so that the security chip of the terminal device 100 can install the Applet of the NFC simulation card and save the original contactless parameters of the NFC simulation card and their values.

[0135] For another example, before the terminal device 100 activates the NFC simulated card, the server 200 may send system-level contactless parameters and their values ​​to the terminal device 100 so that the security chip of the terminal device 100 may adjust the original contactless parameter values ​​of the NFC simulated card to the system-level contactless parameter values; and so on.

[0136] The card reader device 300 can be any type of device that can support the execution of corresponding tasks through the NFC function, such as subway / bus / park gates, home door locks, vehicles, etc.

[0137] In the embodiment of the present application, the card reading device 300 can communicate with the terminal device 100 via NFC so that the card reading device 300 can perform corresponding tasks.

[0138] For example, taking the card reader 300 as a subway / bus gate, when the terminal device 100 opens and activates the transportation card and is close to the card reader 300, the card reader 300 can open the gate to allow the user to pass.

[0139] For example, taking the card reading device 300 as a park gate, when the terminal device 100 opens and activates the park card and is close to the card reading device 300, the card reading device 300 can open the gate to allow the user to pass.

[0140] For example, taking the card reader device 300 as a home door lock, when the terminal device 100 turns on and activates the door lock key and is close to the card reader device 300, the card reader device 300 can be unlocked for the user to open the door.

[0141] For example, taking the card reading device 300 as a vehicle, when the terminal device 100 is turned on and activates the car key and is close to the card reading device 300, the card reading device 300 can be unlocked to allow the user to open the car door.

[0142] Based on the above Figure 3 The communication system shown in FIG. 1 is used to describe the card management method provided by the present application in detail through Example 1 and Example 2.

[0143] Example 1 In embodiment one, the terminal device can support the smart flash card mode. In this mode, the terminal device can only support the activation of one of the activated NFC simulated cards. When the terminal device turns on the NFC function and is in the power-on state, the terminal device is close to the card reader device. The terminal device can realize intelligent identification and situational awareness, and automatically match the NFC simulated card corresponding to the card reader device. If the currently activated NFC simulated card is not the NFC simulated card corresponding to the card reader device, then the terminal device can first deactivate the NFC simulated card, and then deactivate the NFC simulated card corresponding to the card reader device. There is no need for the user to manually select the card, which simplifies user operations and improves the user experience.

[0144] Figure 4 The specific process of a card management method provided in an embodiment of the present application is exemplified.

[0145] like Figure 4 As shown, the method can be applied to a communication system including a terminal device 100 and a card reader 300. Taking the scenario where the terminal device 100 is a mobile phone, the card reader 300 is a gate machine, and the user has activated a transportation card and a car key as an example, the specific steps of the method are described in detail below: S401. The terminal device 100 activates the transportation card and the car key based on the user operation, wherein the Applet of the car key is activated, and the Applet of the transportation card is not activated.

[0146] The above user operation may be an operation for the user to activate a transportation card and a car key.

[0147] In some embodiments, when multiple NFC simulated cards are activated at the same time, since different NFC simulated cards have different issuers and their corresponding original contactless parameter values ​​are also inconsistent, the terminal device 100 can only apply the contactless parameters of one NFC simulated card at a time. Activating NFC simulated cards with different contactless parameter values ​​will cause a contactless parameter conflict. Therefore, the terminal device 100 can only activate one NFC simulated card. Specifically, the terminal device 100 can determine which NFC simulated card's applet to activate based on preset rules. The above-mentioned preset rules are not specifically limited in the embodiments of the present application.

[0148] For example, the above-mentioned preset rule can be a preset service priority rule. The terminal device 100 will preferentially activate the applet of the NFC simulated card with a higher service priority. For example, the service corresponding to the car key is the vehicle service, and the service corresponding to the transportation card is the transportation service. If the vehicle service has a higher priority than the transportation service, the terminal device 100 will preferentially activate the applet of the car key. It is easy to understand that when the applet of the car key is in an activated state, the applet of the transportation card will be in an inactivated state.

[0149] S402 , the terminal device 100 approaches the card reader 300 , wherein the card reader 300 is a traffic card gate.

[0150] In an embodiment of the present application, the terminal device 100 is close to the card reader device 300, which specifically means that the terminal device 100 enters the radio frequency field of the card reader device 300 (for example, the terminal device 100 touches the card reader device 300), that is, the distance between the terminal device 100 and the card reading area of ​​the card reader device 300 is within the communication distance range of NFC.

[0151] S403 : The card reader 300 sends the AID of the transportation card to the terminal device 100 .

[0152] Specifically, since the card reader device 300 is a traffic card gate machine, when it detects that the terminal device 100 is close to the card reader device 300, the card reader device 300 can send the AID of the traffic card to the terminal device 100 to apply to the terminal device 100 for the card reader device 300 to conduct NFC transactions with the Applet of the traffic card.

[0153] S404: The terminal device 100 determines that the Applet of the transportation card is not activated based on the AID of the transportation card.

[0154] Specifically, since an NFC simulated card Applet corresponds to an AID, and the currently activated Applet is the car key Applet, after the terminal device 100 receives the AID of the transportation card sent by the card reader device 300, it can determine based on the AID that the transportation card Applet is not activated.

[0155] S405. The terminal device 100 sends a response message to the card reader 300. The response message is used to indicate that the Applet of the transportation card is not activated.

[0156] Specifically, after determining that the Applet of the transportation card is not activated, the terminal device 100 can send a response message (for example, the error code 6A82) to the card reader device 300 to notify the card reader device 300 that the Applet of the transportation card is not activated. The terminal device 100 cannot select the Applet of the transportation card to conduct an NFC transaction with the card reader device 300, that is, the transaction fails.

[0157] S406: The terminal device 100 turns off the card emulation function.

[0158] S407: The terminal device 100 deactivates the Applet of the car key and activates the Applet of the transportation card.

[0159] S408: The terminal device 100 turns on the card emulation function.

[0160] Specifically, after determining that the Applet of the transportation card is not activated, the terminal device 100 can first turn off the card simulation function, and then deactivate the Applet of the car key. After deactivating the Applet of the car key, the terminal device 100 can activate the Applet of the transportation card. After activating the Applet of the transportation card, the card simulation function can be turned on again so that the subsequent card reading device 300 can conduct NFC transactions with the Applet of the transportation card.

[0161] S409 : The card reader 300 sends the AID of the transportation card to the terminal device 100 .

[0162] Specifically, after receiving the response message sent by the terminal device 100 in the above step S405, the card reader device 300 can send the AID of the transportation card to the terminal device 100 again to re-apply to the terminal device 100 for the card reader device 300 to conduct NFC transactions with the Applet of the transportation card.

[0163] In one possible implementation, when the distance between the terminal device 100 and the card reading area of ​​the card reader device 300 is within the communication distance range of NFC, the card reader device 300 can periodically send the AID of the transportation card to the terminal device 100 until the Applet transaction between the card reader device 300 and the transportation card is successful.

[0164] In another possible implementation, when the distance between the terminal device 100 and the card reading area of ​​the card reader device 300 is within the communication distance range of NFC, if the first NFC transaction between the card reader device 300 and the transportation card Applet fails, the user needs to move the terminal device 100 away from the card reading area of ​​the card reader device 300, and then move it closer to the card reading area of ​​the card reader device 300. In this way, the card reader device 300 can send the AID of the transportation card to the terminal device 100 again, and apply to the terminal device 100 again for the card reader device 300 to conduct an NFC transaction with the transportation card Applet.

[0165] S410 , the terminal device 100 determines that the Applet of the transportation card has been activated based on the AID of the transportation card, and determines that the authentication is passed based on the Applet of the transportation card.

[0166] S411. The terminal device 100 sends a processing result to the card reading device 300. The processing result is used to indicate that the authentication is successful.

[0167] S412: The card reader 300 determines that the authentication is successful based on the processing result, and opens the gate.

[0168] Specifically, when the terminal device 100 activates the NFC simulated card Applet, it can simulate the functions of a physical card, process the NFC transaction request of the card reader device 300 through the NFC simulated card Applet, and respond, for example, sending the processing result to the card reader device 300 so that the card reader device 300 performs the corresponding task based on the processing result. For example, if the NFC simulated card is a transportation card, then after receiving the processing result of the terminal device 100's authentication, the card reader device 300 can determine that the authentication is passed based on the processing result and open the gate.

[0169] The following combination Figure 5 The following example describes how to implement the above Figure 4 The method shown is a possible collaboration mode between the modules within the terminal device 100 , and a possible collaboration mode between the modules within the terminal device 100 and the card reading device 300 .

[0170] like Figure 5 As shown, the terminal device 100 may include an NFC chip, an NFC service module, a security chip, and a service management application. Detailed descriptions are given below.

[0171] Phase 1: Card activation and activation S501. The business management application activates the transportation card and car key based on the user operation.

[0172] Among them, the above-mentioned business management application can be, for example, a wallet application.

[0173] The above user operation may be an operation for the user to activate a transportation card and a car key.

[0174] Among them, the user interface involved in the process of the user activating the transportation card and car key will be introduced in detail in the subsequent interface-related embodiments and will not be expanded here.

[0175] In an embodiment of the present application, the service management application activates the NFC simulated card, which may include but is not limited to the following two possible implementation methods.

[0176] In one possible implementation, when activating an NFC simulated card, the service management application can obtain the NFC simulated card's data from the server. This data includes, but is not limited to, the installation data of the NFC simulated card's applet and the original contactless parameters and their values ​​of the NFC simulated card. Furthermore, the service management application can send this data to the security chip, which can install the NFC simulated card's applet and save the original contactless parameters and their values ​​of the NFC simulated card. At this point, the NFC simulated card is successfully activated.

[0177] In another possible implementation, the security chip may also pre-store data of certain NFC simulated cards. When detecting that a user has activated one of the NFC simulated cards, the security chip may install the applet of the NFC simulated card based on the pre-stored data of the NFC simulated card. Thus, the NFC simulated card is successfully activated.

[0178] In some embodiments, when multiple NFC simulated cards are activated simultaneously, because the original contactless parameter values ​​of different NFC simulated cards are inconsistent and the NFC chip can only apply the contactless parameters of one NFC simulated card at a time, the service management application can determine which NFC simulated card applet to activate based on preset rules. However, the embodiments of this application do not specifically limit the above preset rules.

[0179] For example, the above-mentioned preset rule can be a preset service priority rule. The service management application will determine to activate the applet of the NFC simulated card with a higher service priority first. For example, the service corresponding to the car key is vehicle service, and the service corresponding to the transportation card is transportation service. If the vehicle service has a higher priority than the transportation service, the service management application will determine to activate the car key applet first. It is easy to understand that when the car key applet is in an activated state, the transportation card applet will be in an inactivated state.

[0180] In an embodiment of the present application, when it is determined that the car key Applet needs to be activated, the business management application will instruct the security chip to activate the car key Applet through the NFC service module. A possible implementation method is as follows: Steps S502 to S503.

[0181] S502: The service management application sends a message 1 to the NFC service module. The message 1 is used to instruct the NFC service module to notify the security chip to activate the car key Applet.

[0182] S503: The NFC service module sends message 2 to the security chip. Message 2 is used to instruct the security chip to activate the car key Applet.

[0183] S504. The security chip activates the car key's Applet.

[0184] Specifically, after the security chip receives message 2 sent by the NFC service module, since the security chip installed the car key Applet when the business management application activated the car key, the security chip can perform an activation operation on the installed car key Applet to activate the car key Applet.

[0185] It is easy to understand that after the security chip activates the Applet of a certain NFC simulated card, the Applet can be in an activated state.

[0186] In the embodiment of the present application, an Applet being in an activated state may mean that the Applet is in a normal running state.

[0187] S505 : The NFC service module sends the original contactless parameters and their values ​​of the car key to the NFC chip.

[0188] Specifically, after the security chip activates the car key's Applet, the NFC service module can send the car key's original contactless parameters and their values ​​to the NFC chip, which can save them so that the NFC chip can subsequently perform NFC communication with the card reader based on the car key's original contactless parameters and their values.

[0189] It is easy to understand that the original contactless parameters of the above-mentioned car key and their values ​​can be obtained by the NFC service module in the security chip.

[0190] Phase 2: Transaction Phase S506 , the terminal device 100 approaches the card reader 300 , wherein the card reader 300 is a traffic card gate.

[0191] S507: The card reader 300 sends the AID of the transportation card to the NFC chip.

[0192] In the embodiment of the present application, the card reading device 300 can perform NFC communication with the terminal device 100 through the NFC chip in the terminal device 100.

[0193] Specifically, since the card reader device 300 is a traffic card gate machine, when it detects that the terminal device 100 is close to the card reader device 300, the card reader device 300 can send the AID of the traffic card to the NFC chip to apply to the terminal device 100 for the card reader device 300 to conduct NFC transactions with the Applet of the traffic card.

[0194] In a possible implementation, the AID of the transportation card may be sent by the card reader 300 to the NFC chip in the terminal device 100 via a SELECT AID instruction.

[0195] The AID may be a unique identifier of an NFC simulated card Applet defined in the ISO 14443-4 protocol.

[0196] S508. The NFC chip sends message 3 to the security chip. Message 3 is used to request the security chip to select the Applet of the transportation card to execute the transaction task.

[0197] Specifically, after receiving the AID of the transportation card sent by the card reader 300, the NFC chip can directly route to the security chip based on the AID of the transportation card to request the security chip to select the Applet of the transportation card to perform the transaction task.

[0198] S509: The security chip detects that the transportation card Applet is not activated.

[0199] Specifically, after receiving the above message 3 sent by the NFC chip, the security chip can detect whether the Applet of the transportation card has been activated. In the above step S504, it can be seen that the security chip activated the Applet of the car key, and the security chip can only keep one NFC simulated card in an activated state at the same time. Therefore, the security chip can determine that the Applet of the transportation card has not been activated.

[0200] In one possible implementation, the above-mentioned message 3 may include the AID of the transportation card. The chip operating system (COS) in the security chip will perform the AID distribution operation of the transportation card, that is, distribute the above-mentioned transportation card AID to the corresponding transportation card Applet. If the distribution fails, it means that the transportation card Applet is not activated. If the distribution is successful, it means that the transportation card Applet has been activated.

[0201] S510: The security chip sends message 4 to the NFC chip. Message 4 is used to indicate that the Applet of the transportation card is not activated.

[0202] Specifically, after detecting that the Applet of the transportation card is not activated, the security chip may notify the NFC chip that the Applet of the transportation card is not activated, so that the NFC chip may respond to the card reading device 300 .

[0203] S511. The NFC chip sends a response message to the card reader 300. The response message is used to indicate that the Applet of the transportation card is not activated.

[0204] Specifically, after the NFC chip receives the above-mentioned message 4 sent by the security chip, the NFC chip can send a response message (for example, error code 6A82) to the card reader device 300 based on message 4 to notify the card reader device 300 that the Applet of the transportation card has not been activated, and the security chip cannot select the Applet of the transportation card to conduct an NFC transaction with the card reader device 300, that is, the transaction fails.

[0205] S512. The NFC chip sends the AID of the transportation card to the NFC service module.

[0206] Specifically, after the NFC chip receives the above message 4 sent by the security chip, the NFC chip can send the AID of the transportation card to the NFC service module to instruct the NFC service module to apply to the security chip to activate the Applet of the transportation card. That is to say, the NFC chip sends a card switching application so that the security chip can switch the Applet of the currently activated NFC simulated card from the Applet of the car key to the Applet of the transportation card.

[0207] It should be noted that the embodiment of the present application does not limit the execution time sequence of the above-mentioned step S511 and step S512. The above-mentioned step S511 and step S512 can be executed simultaneously, and the above-mentioned step S511 can also be executed before / after the above-mentioned step S512.

[0208] S513: The NFC service module disables the card emulation function.

[0209] Specifically, after receiving the AID of the above-mentioned transportation card sent by the NFC chip, the NFC service module can turn off the card simulation function of the terminal device 100 so that the subsequent card cutting operation can be performed, that is, the operation of "deactivating the car key Applet and activating the transportation card Applet" in the following step S515.

[0210] S514. The NFC service module sends message 5 to the security chip. Message 5 is used to instruct the security chip to activate the Applet of the transportation card.

[0211] S515: The security chip deactivates the car key's Applet and activates the transportation card's Applet.

[0212] Specifically, after the security chip receives the above message 5 sent by the NFC service module, under normal circumstances, the original contactless parameter values ​​of two different NFC simulated cards are also inconsistent. Therefore, when the security chip detects that the original contactless parameter values ​​of the car key and the original contactless parameter values ​​of the transportation card are inconsistent, the security chip can first deactivate the Applet of the car key and then activate the Applet of the transportation card.

[0213] S516. The security chip sends message 6 to the NFC service module. Message 6 is used to indicate that the Applet of the transportation card has been activated.

[0214] S517: The NFC service module enables the card emulation function.

[0215] Specifically, after receiving the above message 6 sent by the security chip, the NFC service module can re-enable the card emulation function of the terminal device 100 so that the subsequent card reader device 300 can perform NFC transactions with the Applet of the transportation card.

[0216] S518. The NFC service module sends the original contactless parameters and their values ​​of the transportation card to the NFC chip.

[0217] Specifically, after the security chip activates the Applet of the transportation card, the NFC service module can send the original contactless parameters and their values ​​of the transportation card to the NFC chip, and the NFC chip can save them so that the NFC chip can subsequently communicate with the card reader device through NFC based on the original contactless parameters and their values ​​of the transportation card.

[0218] It is easy to understand that the original contactless parameters of the above-mentioned transportation card and their values ​​can be obtained by the NFC service module in the security chip.

[0219] In a possible implementation, after saving the original contactless parameters and values ​​of the transportation card, the NFC chip may delete the previously saved original contactless parameters and values ​​of the car key.

[0220] S519: The card reader 300 sends the AID of the transportation card to the NFC chip.

[0221] Specifically, after receiving the response message sent by the NFC chip of the terminal device 100 in the above step S511, the card reader device 300 can send the AID of the transportation card to the NFC chip of the terminal device 100 again to re-apply to the terminal device 100 for the card reader device 300 to conduct NFC transactions with the Applet of the transportation card.

[0222] S520: The NFC chip sends message 7 to the security chip. Message 7 is used to request the security chip to select the Applet of the transportation card to execute the transaction task.

[0223] Specifically, after receiving the AID of the transportation card sent by the card reader 300, the NFC chip can directly route to the security chip based on the AID of the transportation card to request the security chip to select the Applet of the transportation card to perform the transaction task.

[0224] S521. The security chip detects that the Applet of the transportation card has been activated, and determines that the authentication is successful based on the Applet of the transportation card.

[0225] S522: The security chip sends a processing result to the card reader 300 via the NFC chip. The processing result is used to indicate that the authentication is successful.

[0226] S523: The card reader 300 determines that the authentication is successful based on the processing result, and opens the gate.

[0227] Specifically, after receiving the above message 7 sent by the NFC chip, the security chip can detect whether the Applet of the transportation card has been activated. In the above step S515, it can be seen that the security chip has activated the Applet of the transportation card. Therefore, the security chip can determine that the Applet of the transportation card has been activated.

[0228] Furthermore, when it is determined that the Applet of the transportation card has been activated, the security chip can process the NFC transaction request of the card reader device 300 through the Applet of the transportation card and respond, for example, by sending the processing result to the card reader device 300 through the NFC chip so that the card reader device 300 can perform the corresponding task based on the processing result. For example, after receiving the processing result of the authentication of the terminal device 100, the card reader device 300 can determine that the authentication is passed based on the processing result and open the gate.

[0229] By implementing the above Figure 4 and Figure 5 In the method shown, when the terminal device 100 is close to the card reader 300, the terminal device 100 can automatically activate the NFC simulated card Applet corresponding to the card reader 300 without the user having to manually select the card, thereby simplifying the user operation. Figure 4 and Figure 5 The method shown also has the following problems: 1. When the terminal device 100 is powered on and is close to the card reader 300, the card reader 300 needs to report the characteristics of the NFC simulated card (such as the AID of the NFC simulated card) to the terminal device 100 to trigger the terminal device 100 to match the NFC simulated card corresponding to the card reader 300. If the currently activated NFC simulated card is not the NFC simulated card corresponding to the card reader 300, then the terminal device needs to switch cards in real time, that is, first deactivate the NFC simulated card, and then deactivate the NFC simulated card corresponding to the card reader 300.

[0230] In this way, on the one hand, the whole process takes a long time, for example, it may take at least 700ms; on the other hand, if the card reader device 300 fails to report the characteristics of the NFC simulated card to the terminal device 100 in a timely manner, the terminal device 100 may default to using the currently activated NFC simulated card to conduct NFC transactions with the card reader device 300. If the NFC simulated card is not the NFC simulated card corresponding to the card reader device 300, the NFC simulated card corresponding to the card reader device 300 is still in an unactivated state, resulting in transaction failure. The user needs to manually operate to trigger the terminal device 100 to activate the NFC simulated card corresponding to the card reader device 300 and re-execute the transaction process, resulting in poor user experience.

[0231] 2. After the terminal device 100 completes the card switching through the security chip, that is, after activating the NFC simulated card corresponding to the card reader device 300, it is necessary to rely on the card reader device 300 to re-initiate a transaction application to the terminal device 100 in order to execute the subsequent transaction process. Different card readers 300 have different suppliers, so the mechanism of re-initiating the transaction application may also be different and difficult to standardize, which may cause the entire process to be time-consuming and uncontrollable, and may require the user to perform the card swiping operation multiple times (that is, perform the operation of bringing the terminal device 100 close to the card reader device 300 multiple times), resulting in a poor user experience.

[0232] 3. Since the service module of the software layer of the terminal device 100 (such as the NFC service module, etc.) is usually powered off and in a closed state when the terminal device 100 is in a closed state, when the terminal device 100 is in a closed state and multiple NFC simulated cards have been activated, the terminal device 100 will not perform the aforementioned card switching operation, that is, only the NFC simulated card that is currently in an activated state will be available, and another NFC simulated card will not be activated. If the NFC simulated card corresponding to the card reader 300 that the terminal device 100 is currently close to is not the NFC simulated card that is currently in an activated state, the transaction will fail and the user experience will be poor.

[0233] Based on the above problems, this application provides the following embodiment 2 Figure 6 The solution shown is described in detail below.

[0234] Example 2 In the second embodiment, when the terminal device activates each NFC simulation card, it can adjust the original contactless parameter value of each NFC simulation card to the system-level contactless parameter value, that is, normalize the contactless parameter values ​​of all NFC simulation cards to the same set of contactless parameter values. In this way, when the terminal device activates multiple NFC simulation cards, it can simultaneously activate all of these multiple NFC simulation cards, so that all activated NFC simulation cards are available at the same time. In addition, when the terminal device is in the off state, these multiple NFC simulation cards will still remain activated and available at the same time without special processing. In this way, there is no need for additional user operations, which is convenient and fast, can reduce the time spent on card swiping, improve the success rate of card swiping in the event of non-standard card reading devices or other abnormal scenarios, and improve the user's card swiping experience.

[0235] Figure 6 The specific process of another card management method provided in an embodiment of the present application is exemplified.

[0236] like Figure 6 As shown, the method can be applied to a communication system including a terminal device 100, a server 200, and a card reader 300. Taking the scenario where the terminal device 100 is a mobile phone, the card reader 300 is a gate, and the user activates the transportation card first and then the car key as an example, the specific steps of the method are described in detail below: Phase 1: Transportation Card Activation and Activation S601: The terminal device 100 detects the user's operation of activating a transportation card.

[0237] S602: The terminal device 100 sends a message 1 to the server 200. The message 1 is used to apply for adjusting the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values.

[0238] Specifically, after detecting the user's operation to activate the transportation card, the terminal device 100 can send message 1 to the server 200 in response to the operation, so as to apply to the server 200 to adjust the value of the original contactless parameter of the transportation card to the value of the system-level contactless parameter, and obtain the system-level contactless parameter and its value.

[0239] S603: The server 200 sends a message 2 to the terminal device 100. The message 2 includes system-level contactless parameters and their values.

[0240] Specifically, after receiving the above message 1 sent by the terminal device 100, the server 200 can send message 2 to the terminal device 100 based on the above message 1 to send system-level contactless parameters and their values ​​to the terminal device 100, indicating that the server 200 has approved the above application submitted by the terminal device 100.

[0241] S604: The terminal device 100 adjusts the original contactless parameter value of the transportation card to the system-level contactless parameter value.

[0242] Specifically, after receiving the above-mentioned message 2 sent by the server 200, the terminal device 100 can adjust the value of the original contactless parameter of the transportation card to the value of the system-level contactless parameter based on message 2, and save it, so that the terminal device 100 can subsequently perform NFC communication with the card reader corresponding to the transportation card based on the system-level contactless parameters and their values.

[0243] S605: The terminal device 100 activates the transportation card Applet.

[0244] Specifically, after the terminal device 100 adjusts the original contactless parameter value of the transportation card to the system-level contactless parameter value, the terminal device 100 may activate the Applet of the transportation card.

[0245] It is easy to understand that after the terminal device 100 activates the transportation card Applet, the transportation card Applet will be in an activated state.

[0246] In the embodiment of the present application, an Applet being in an activated state may mean that the Applet is in a normal running state.

[0247] It should be noted that the data of a certain NFC simulated card (such as the installation data of the NFC simulated card Applet, the original contactless parameters and their values ​​of the NFC simulated card, etc.) can be pre-stored in the terminal device 100 before the terminal device 100 detects the user's operation to activate the NFC simulated card. After detecting the user's operation to activate the NFC simulated card, the terminal device 100 can install the NFC simulated card Applet, thereby successfully activating the NFC simulated card; or it can be obtained from the server 200 by the terminal device 100 after detecting the user's operation to activate the NFC simulated card. After obtaining it, the terminal device 100 can install the NFC simulated card Applet and save the original contactless parameters and their values ​​of the NFC simulated card, thereby successfully activating the NFC simulated card.

[0248] Phase 2: Car key activation and opening S606: The terminal device 100 detects the user's operation of activating the car key.

[0249] S607 : The terminal device 100 sends a message 3 to the server 200 . The message 3 is used to apply for adjusting the original contactless parameter value of the car key to the system-level contactless parameter value.

[0250] Specifically, after detecting the user's operation to activate the car key, the terminal device 100 can send message 3 to the server 200 in response to the operation, so as to request the server 200 to adjust the value of the original contactless parameter of the car key to the value of the system-level contactless parameter, and obtain the system-level contactless parameter and its value.

[0251] S608: The server 200 sends a message 4 to the terminal device 100. The message 4 includes system-level contactless parameters and their values.

[0252] Specifically, after receiving the above message 3 sent by the terminal device 100, the server 200 can send message 4 to the terminal device 100 based on the above message 3 to send system-level contactless parameters and their values ​​to the terminal device 100, indicating that the server 200 has approved the above application submitted by the terminal device 100.

[0253] In some embodiments, when the terminal device 100 is not activating the NFC simulation card for the first time, and the above-mentioned system-level contactless parameters and their values ​​have not been updated since the last activation of the NFC simulation card, the above-mentioned message 4 may not include the system-level contactless parameters and their values, but is only used to indicate that the server 200 has approved the above-mentioned application. After receiving message 4, the terminal device 100 can directly use the system-level contactless parameters and their values ​​obtained when the NFC simulation card was activated last time to adjust the original contactless parameters and their values ​​of the NFC simulation card activated this time.

[0254] S609: The terminal device 100 adjusts the original contactless parameter value of the car key to the system-level contactless parameter value.

[0255] Specifically, after receiving the above-mentioned message 4 sent by the server 200, the terminal device 100 can adjust the value of the original contactless parameter of the car key to the value of the system-level contactless parameter based on message 4, and save it, so that the terminal device 100 can subsequently perform NFC communication with the card reader device corresponding to the car key based on the system-level contactless parameters and their values.

[0256] S610: The terminal device 100 activates the Applet of the car key and simultaneously keeps the Applet of the transportation card in an activated state.

[0257] Specifically, after the terminal device 100 adjusts the value of the original contactless parameter of the car key to the value of the system-level contactless parameter, the terminal device 100 can activate the Applet of the car key.

[0258] It is easy to understand that after the terminal device 100 activates the Applet of the transportation card, the Applet of the transportation card will be in an activated state, that is, a normal operating state.

[0259] It can be seen that, unlike the aforementioned embodiment 1, since the contactless parameters and their values ​​of the car key and the transportation card all use system-level contactless parameters and their values, the contactless parameter values ​​of the two NFC simulated cards are consistent and there is no conflict. Therefore, in the above step S610, after activating the Applet of the car key, the terminal device 100 can still keep the Applet of the transportation card in an activated state at the same time, thereby achieving the purpose of activating multiple NFC simulated cards at the same time. It is easy to understand that when multiple NFC simulated cards are activated at the same time, these multiple NFC simulated cards are also available at the same time, without the need for manual operation by the user, and reducing time consumption, improving the success rate of card swiping, and can bring greater convenience and a better card swiping experience to the user.

[0260] Phase 3: Transaction Phase S611. The terminal device 100 approaches the card reader 300, where the card reader 300 is a traffic card gate.

[0261] In an embodiment of the present application, the terminal device 100 is close to the card reader device 300, which specifically means that the terminal device 100 enters the radio frequency field of the card reader device 300 (for example, the terminal device 100 touches the card reader device 300), that is, the distance between the terminal device 100 and the card reading area of ​​the card reader device 300 is within the communication distance range of NFC.

[0262] S612 : The card reader 300 sends the AID of the transportation card to the terminal device 100 .

[0263] Specifically, since the card reader device 300 is a traffic card gate machine, when it detects that the terminal device 100 is close to the card reader device 300, the card reader device 300 can send the AID of the traffic card to the terminal device 100 to apply to the terminal device 100 for the card reader device 300 to conduct NFC transactions with the Applet of the traffic card.

[0264] S613. The terminal device 100 determines that the Applet of the transportation card has been activated based on the AID of the transportation card, and determines that the authentication is successful based on the Applet of the transportation card.

[0265] S614: The terminal device 100 sends a processing result to the card reader 300, where the processing result indicates that the authentication is successful.

[0266] S615: The card reader 300 determines that the authentication is successful based on the processing result, and opens the gate.

[0267] Specifically, when the terminal device 100 activates the NFC simulated card Applet, it can simulate the functions of a physical card, process the NFC transaction request of the card reader device 300 through the NFC simulated card Applet, and respond, for example, sending the processing result to the card reader device 300 so that the card reader device 300 performs the corresponding task based on the processing result. For example, if the NFC simulated card is a transportation card, then after receiving the processing result of the terminal device 100's authentication, the card reader device 300 can determine that the authentication is passed based on the processing result and open the gate.

[0268] The following combination Figure 7 The following example describes how to implement the above Figure 6 The method shown is a possible collaboration mode between the modules in the terminal device 100 , and a possible collaboration mode between the modules in the terminal device 100 and the modules in the card reading device 300 and the server 200 .

[0269] like Figure 7 As shown, the terminal device 100 may include an NFC chip, an NFC service module, a security chip, and a service management application, and the server 200 may include a trusted service management module. Detailed descriptions are given below.

[0270] Phase 1: Transportation Card Activation and Activation S701: The service management application detects the user's operation of activating a transportation card.

[0271] Among them, the above-mentioned business management application can be, for example, a wallet application.

[0272] Among them, the user interface involved in the process of the user opening a transportation card will be introduced in detail in the subsequent interface-related embodiments and will not be expanded here.

[0273] S702: The business management application sends a message 1 to the trusted service management module. The message 1 is used to apply for adjusting the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values.

[0274] Specifically, after the business management application detects the user's operation of activating a transportation card, in response to the operation, the business management application can send message 1 to the trusted service management module of the server 200 to apply to the server 200 to adjust the values ​​of the original contactless parameters of the transportation card to the values ​​of the system-level contactless parameters, and obtain the system-level contactless parameters and their values.

[0275] S703: The trusted service management module sends a message 2 to the service management application. The message 2 includes system-level contactless parameters and their values.

[0276] Specifically, after receiving the above-mentioned message 1 sent by the business management application of the terminal device 100, the trusted service management module can send message 2 to the business management application of the terminal device 100 based on the above-mentioned message 1, so as to issue system-level contactless parameters and their values ​​to the business management application of the terminal device 100, indicating that the server 200 has passed the above-mentioned application submitted by the business management application of the terminal device 100.

[0277] In a possible implementation, the message 2 may be sent in the form of an instruction, which may be used to instruct an Applet for managing an NFC simulated card, adjust the values ​​of original contactless parameters of the NFC simulated card, and the like.

[0278] S704: The service management application sends message 3 to the security chip. Message 3 is used to instruct the security chip to adjust the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values.

[0279] In one possible implementation, the above-mentioned message 3 and the above-mentioned message 2 may be the same message. After receiving the above-mentioned message 2 sent by the trusted service management module of the server 200, the business management application may transmit the above-mentioned message 2 transparently to the security chip so that the security chip can perform the operation of adjusting the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values.

[0280] S705: The security chip adjusts the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values.

[0281] Specifically, after receiving the message 3 sent by the service management application, the security chip can adjust the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values ​​based on the message 3.

[0282] S706: The security chip sends message 4 to the service management application. Message 4 is used to indicate that the security chip has adjusted the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values.

[0283] Specifically, after the security chip adjusts the values ​​of the original contactless parameters of the transportation card to the values ​​of the system-level contactless parameters, it can send message 4 to the business management application to notify the business management application that the security chip has adjusted the values ​​of the original contactless parameters of the transportation card to the values ​​of the system-level contactless parameters, so that the business management application can continue to perform subsequent operations.

[0284] In an embodiment of the present application, the service management application activates the NFC simulated card, which may include but is not limited to the following two possible implementation methods.

[0285] In one possible implementation, when a business management application activates a certain NFC simulation card, it can first obtain the data of the NFC simulation card from the server. The data includes but is not limited to the installation data of the NFC simulation card's Applet, the original contactless parameters of the NFC simulation card and their values. Furthermore, the business management application can send the data to the security chip, and the security chip can install the NFC simulation card's Applet and save the original contactless parameters of the NFC simulation card and their values. Furthermore, the business management application can also obtain and send system-level contactless parameters and their values ​​to the security chip, and the security chip can adjust the values ​​of the original contactless parameters of the NFC simulation card to the values ​​of the system-level contactless parameters. At this point, the NFC simulation card is successfully activated.

[0286] In another possible implementation, the security chip may also pre-store data on certain NFC simulated cards. When detecting that a user has activated one of the NFC simulated cards, the security chip may install the applet for the NFC simulated card based on the pre-stored data of the NFC simulated card. Furthermore, the service management application may also obtain and send system-level contactless parameters and their values ​​to the security chip. The security chip may then adjust the original contactless parameter values ​​of the NFC simulated card to the system-level contactless parameter values. At this point, the NFC simulated card is successfully activated.

[0287] S707: The service management application sends message 5 to the NFC service module. Message 5 is used to instruct the NFC service module to notify the security chip to activate the Applet of the transportation card.

[0288] S708. The NFC service module sends message 6 to the security chip. Message 6 is used to instruct the security chip to activate the Applet of the transportation card.

[0289] Specifically, after receiving the above message 4 sent by the security chip, the business management application determines based on the above message 4 that the security chip has adjusted the original contactless parameter values ​​of the transportation card to the system-level contactless parameter values. Furthermore, the business management application can notify the security chip through the NFC service module to activate the Applet of the transportation card.

[0290] S709. The security chip activates the transportation card Applet.

[0291] Specifically, after the security chip receives message 6 sent by the NFC service module, since the security chip installed the transportation card Applet when the business management application activated the transportation card, the security chip can perform an activation operation on the installed transportation card Applet to activate the transportation card Applet.

[0292] It is easy to understand that after the security chip activates the Applet of a certain NFC simulated card, the Applet can be in an activated state, that is, a normal operating state.

[0293] S710: The NFC service module sends system-level contactless parameters and their values ​​to the NFC chip.

[0294] Specifically, after the security chip activates the Applet of the transportation card, the NFC service module can send system-level contactless parameters and their values ​​to the NFC chip, and the NFC chip can save them so that the NFC chip can subsequently perform NFC communication with the card reader device based on the system-level contactless parameters and their values.

[0295] It is easy to understand that since the transportation card is the first NFC simulated card activated on the terminal device 100, no other contactless parameters will be stored in the NFC chip before the transportation card Applet is activated. Therefore, after the transportation card Applet is activated, the NFC chip can normally save and apply system-level contactless parameters without any conflict.

[0296] It is easy to understand that the above-mentioned system-level contactless parameters and their values ​​can be obtained by the NFC service module in the security chip.

[0297] Phase 2: Car key activation and opening S711. The business management application detects that the user has activated the car key.

[0298] S712: The business management application sends message 7 to the trusted service management module. Message 7 is used to apply for adjusting the original contactless parameter values ​​of the car key to the system-level contactless parameter values.

[0299] S713: The trusted service management module sends a message 8 to the service management application. The message 8 includes system-level contactless parameters and their values.

[0300] S714: The service management application sends a message 9 to the security chip. The message 9 is used to instruct the security chip to adjust the original contactless parameter values ​​of the car key to the system-level contactless parameter values.

[0301] S715: The security chip adjusts the original contactless parameter values ​​of the vehicle key to the system-level contactless parameter values.

[0302] S716: The security chip sends a message 10 to the service management application. The message 10 is used to indicate that the security chip has adjusted the original contactless parameter values ​​of the car key to the system-level contactless parameter values.

[0303] S717: The service management application sends a message 11 to the NFC service module. The message 11 is used to instruct the NFC service module to notify the security chip to activate the car key Applet.

[0304] S718. The NFC service module sends a message 12 to the security chip. The message 12 is used to instruct the security chip to activate the car key Applet.

[0305] S719. The security chip activates the car key's Applet and simultaneously keeps the transportation card's Applet activated.

[0306] Among them, the specific execution process of steps S711 to S719 in the above-mentioned stage 2 is similar to the specific execution process of steps S701 to S709 in the above-mentioned stage 1. Please refer to the above-mentioned relevant text description and will not be repeated here.

[0307] It is easy to understand that since the car key is an NFC simulated card activated by the terminal device 100 after the transportation card is activated, the contactless parameters are saved in the NFC chip before the car key's Applet is activated. However, since both the car key and the transportation card use system-level contactless parameters, after activating the car key's Applet, the transportation card's Applet will still be in an activated state, and the NFC chip can still apply the system-level contactless parameters normally, and there will be no conflict.

[0308] Phase 3: Transaction Phase S720. The terminal device 100 approaches the card reader 300, where the card reader 300 is a traffic card gate.

[0309] S721. The card reader 300 sends the AID of the transportation card to the NFC chip.

[0310] In the embodiment of the present application, the card reading device 300 can perform NFC communication with the terminal device 100 through the NFC chip in the terminal device 100.

[0311] Specifically, since the card reader device 300 is a traffic card gate machine, when it detects that the terminal device 100 is close to the card reader device 300, the card reader device 300 can send the AID of the traffic card to the NFC chip to apply to the terminal device 100 for the card reader device 300 to conduct NFC transactions with the Applet of the traffic card.

[0312] In a possible implementation, the AID of the transportation card may be sent by the card reader 300 to the NFC chip in the terminal device 100 via a SELECT AID instruction.

[0313] The AID may be a unique identifier of an NFC simulated card Applet defined in the ISO 14443-4 protocol.

[0314] S722. The NFC chip sends a message 13 to the security chip. The message 13 is used to request the security chip to select the Applet of the transportation card to perform the transaction task.

[0315] Specifically, after receiving the AID of the transportation card sent by the card reader 300, the NFC chip can directly route to the security chip based on the AID of the transportation card to request the security chip to select the Applet of the transportation card to perform the transaction task.

[0316] S723. The security chip detects that the Applet of the transportation card has been activated, and determines that the authentication is successful based on the Applet of the transportation card.

[0317] S724. The security chip sends a processing result to the card reader 300 via the NFC chip. The processing result is used to indicate that the authentication is successful.

[0318] S725. The card reader 300 determines that the authentication is successful based on the processing result and opens the gate.

[0319] Specifically, after receiving the above message 13 sent by the NFC chip, the security chip can detect whether the Applet of the transportation card has been activated. In the above step S709, it can be seen that the security chip has activated the Applet of the transportation card. Therefore, the security chip can determine that the Applet of the transportation card has been activated.

[0320] In one possible implementation, the message 13 may include the AID of the transportation card. The chip operating system (COS) in the security chip will perform the AID distribution operation of the transportation card, that is, distribute the AID of the transportation card to the corresponding transportation card Applet. If the distribution fails, it means that the transportation card Applet is not activated. If the distribution is successful, it means that the transportation card Applet has been activated.

[0321] It is easy to see that since all the opened NFC simulated cards have been activated in advance, compared with the aforementioned embodiment 1, there is no need for the security chip to perform the operation of activating the NFC simulated card again, that is, there is no need to switch cards, and NFC transactions can be started directly with the card reader device 300.

[0322] Furthermore, when it is determined that the Applet of the transportation card has been activated, the security chip can process the NFC transaction request of the card reader device 300 through the Applet of the transportation card and respond, for example, by sending the processing result to the card reader device 300 through the NFC chip so that the card reader device 300 can perform the corresponding task based on the processing result. For example, after receiving the processing result of the authentication of the terminal device 100, the card reader device 300 can determine that the authentication is passed based on the processing result and open the gate.

[0323] By implementing the above Figure 6 and Figure 7 The method shown can achieve the following beneficial effects: 1. See Figure 8 ,Each NFC simulated card has different contactless parameter values. NFC chip can only use one set of contactless parameters at the same time and cannot be compatible with the same set of contactless parameters with different values ​​at the same time. When different NFC simulated cards are activated at the same time, contactless parameter conflicts will occur. Therefore, only one NFC simulated card (for example Figure 8 The transportation card 1) shown can be in an activated state, while other NFC simulation cards are in a deactivated state. When other NFC simulation cards need to be activated, the currently activated simulation card needs to be deactivated first, and then the other NFC simulation cards need to be deactivated. By implementing the improved solution in the above-mentioned embodiment 2, the values ​​of the contactless parameters of all NFC simulation cards can be globally unified for use by all NFC simulation cards, which can solve the problem of contactless parameter conflicts. All NFC simulation cards can be in an activated state and available at the same time. In this way, when the user performs a card swiping operation, the terminal device 100 does not need to switch cards in real time, which can save the time of deactivating the original card and activating the target card (for example, at least 700ms). In addition, all cards are available at the same time, and the user can directly perform NFC transactions when swiping the card, which can improve the success rate of card swiping.

[0324] 2. See Figure 9 By implementing the improved solution in the second embodiment, when the terminal device 100 is powered on, the terminal device 100 can adjust the contactless parameter values ​​of each card when activating each card to maintain consistent contactless parameter values ​​for each card. After activating the applets for each card, the applets for each card with consistent contactless parameter values ​​can remain activated simultaneously, and these multiple cards can be used simultaneously. In this way, the purpose of simultaneously using multiple cards in the powered-on state is achieved.

[0325] Continue reading Figure 9 By implementing the improved solution in the second embodiment, when the terminal device 100 is powered off, the security chip and NFC chip are still independently powered, and the applets for each card in the security chip are all activated before the device is powered off. Therefore, after the terminal device 100 is powered off, the activation status of the applets for these multiple cards can remain unchanged and they will still be on standby in real time. This solves the problem of only a single card being available in the power-off scenario and achieves the goal of making multiple cards available simultaneously in the power-off state.

[0326] 3. See Figure 10 In the case that the terminal device 100 can only activate the applet of one NFC simulation card among the multiple NFC simulation cards that have been opened, the terminal device 100 can only display one activated NFC simulation card (for example, Figure 10 By implementing the improved solution in the second embodiment, the terminal device 100 can activate the Applets of multiple NFC simulated cards that have been opened. Then, the terminal device 100 can display these multiple activated NFC simulated cards (for example, Figure 10 In this way, the terminal device 100 can support the user to view multiple activated NFC simulated cards.

[0327] From the above Figure 6 and Figure 7 It can be seen from the method shown that each time the terminal device 100 activates an NFC simulated card, the Applet of the NFC simulated card will be automatically activated. That is to say, the terminal device 100 can automatically keep the Applets of all activated NFC simulated cards activated at the same time.

[0328] In some embodiments, the terminal device 100 may also automatically activate only the applets of some activated NFC simulated cards, while keeping the applets of other activated NFC simulated cards in an inactivated state. In this case, the terminal device 100 may determine which NFC simulated card applets can be automatically activated and which NFC simulated card applets cannot be automatically activated based on preset rules. The preset rules may include, but are not limited to, the following: 1. Service priority rule, for example, the applets of NFC simulated cards with the top M service priorities (where M is a positive integer greater than 1) can be automatically activated; 2. Card activation order rule, for example, the applets of the first N activated NFC simulated cards (where N is a positive integer greater than 1) can be automatically activated; etc. In this way, the terminal device 100 can automatically activate the NFC simulated cards used by most users or the NFC simulated cards used by each user. When the user uses the card, there is no need to switch cards, which is convenient and quick, ensuring a good user experience.

[0329] In other embodiments, the terminal device 100 may also support the user to manually activate the Applets of some or all of the activated NFC simulation cards. In this way, the user can activate the Applet of the NFC simulation card that he wants to activate, which can give the user more choice and autonomy in setting settings. It is easy to understand that when the number of NFC simulation card applets manually activated by the user is greater than or equal to 2, it is also necessary to adjust the original contactless parameter values ​​of the NFC simulation card to the system-level contactless parameter values, that is, multiple NFC simulation cards use the same set of contactless parameter values.

[0330] The following combination Figures 11A-11T The user interface involved in the card management method provided in the embodiment of the present application is introduced.

[0331] Taking the activation and activation of two NFC simulated cards, a transportation card and a car key, as an example, assuming that the transportation card is activated first and then the car key is activated, the following is an exemplary introduction.

[0332] Figures 11A-11I The following example illustrates a series of user interfaces involved in the process of activating a transportation card.

[0333] See Figure 11A , Figure 11AThe user interface shown may be a user interface provided by the desktop of the terminal device 100, which may include one or more application icons (such as a wallet application icon, a settings application icon, etc.). The terminal device 100 may detect a user operation (such as a click operation) on the wallet application icon, and in response to the operation, the terminal device 100 may display Figure 11B The user interface is shown as an example.

[0334] See Figure 11B , Figure 11B The user interface shown may be a "home" user interface provided by the wallet application, which may include multiple function controls. The user may operate on these multiple function controls to use the functions corresponding to these multiple function controls. Assume that the user wants to add an NFC simulated card (such as a transportation card, car key, etc.) to the terminal device 100. Then, the terminal device 100 may detect the user's operation on the NFC simulated card. Figure 11B The user interface shown in FIG. 1 includes an operation (eg, a click operation) of the “add” function control. In response to the operation, the terminal device 100 may display Figure 11C The window shown in the example may include one or more controls (such as a "Scan" control, an "Add Card" control, etc.). The user can click the "Add Card" control to trigger the terminal device 100 to display Figure 11D The user interface is shown as an example.

[0335] It should be noted that the terminal device 100 is triggered to display Figure 11D There are many operation entrances for the user interface for adding cards, and the above is only an example. Figure 11B The "add" function control shown is used as an example of an operation entry and should not constitute a limitation of the present application. In some other embodiments of the present application, other operation entries may also be used to trigger the terminal device 100 to display a user interface for adding a card, such as Figure 11B The "Card Pack" function controls shown, etc.

[0336] See Figure 11D , Figure 11D The user interface shown may include multiple card adding items (such as "bank card" adding item, "transportation card" adding item, "car key" adding item, "certificate" adding item, "membership card" adding item, "physical card" adding item, etc.). If the user wants to activate a transportation card on the terminal device 100, the user can click on the "transportation card" adding item to trigger the terminal device 100 to display Figure 11E An example user interface for adding a transit card is shown.

[0337] See Figure 11E , Figure 11EThe user interface shown may display a transportation card of the city where the terminal device 100 is currently located. For example, if the city where the terminal device 100 is currently located is XX City, a transportation card of XX City (such as "XX Interconnection Card") may be displayed. Figure 11E The user interface shown may also display a control for activating the above-mentioned transportation card (such as an "activate now" control).

[0338] Optionally, Figure 11E The user interface shown may also display addition entries for transportation cards of other cities (such as “XXX Intercommunication Card” addition entry, “XXXX Public Transportation Card” addition entry, etc.), so that users can add transportation cards of other cities besides their current city on the terminal device 100.

[0339] Continue reading Figure 11E If the user wants to activate the transportation card of the city where the terminal device 100 is currently located on the terminal device 100, the user can click the "Activate Now" control to trigger the terminal device 100 to display Figure 11F The user interface is shown as an example.

[0340] See Figure 11F , Figure 11F The user interface shown can allow the user to view the card opening service fee, select the recharge amount of the transportation card, etc. The user interface can also display a "confirm activation" control. After determining the recharge amount of the transportation card, the user can click the "confirm activation" control to trigger the terminal device 100 to display Figure 11G The user interface is shown as an example.

[0341] See Figure 11G , Figure 11G The user interface shown allows the user to view the amount to be paid, select the payment method, etc. The user interface can also display a "Confirm Payment" control. After determining the payment method, the user can click the "Confirm Payment" control, so that the terminal device 100 can execute the operation of activating the transportation card.

[0342] Optionally, during the operation of activating the transportation card, the terminal device 100 may also display Figure 11H The user interface shown in the example may display a prompt (for example, "Transportation card is being added, it will take about 1 minute, please wait") to remind the user that the terminal device 100 is activating the transportation card. The user interface may also display the real-time progress of the terminal device 100 in activating the transportation card so that the user can be informed in time.

[0343] In an embodiment of the present application, the terminal device 100 performs the operation of activating the transportation card, which may specifically include: obtaining the installation data of the transportation card Applet, obtaining the original contactless parameters of the transportation card and their values, installing the transportation card Applet, obtaining the system-level contactless parameters and their values, adjusting the values ​​of the original contactless parameters of the transportation card to the system-level contactless parameter values, etc.

[0344] See Figure 11I After successfully opening the transportation card, the terminal device 100 can display Figure 11I The user interface shown in the example prompts the user terminal device 100 to successfully activate the transportation card. At this point, the terminal device 100 has successfully activated the transportation card. The terminal device 100 can allow the user to view the activated transportation card in the "Card Package" provided by the wallet application.

[0345] It is easy to understand that the operations of the user opening a transportation card mentioned in the above-mentioned embodiment 1 and embodiment 2 may include: Figure 11D-11G A series of user operations are shown as an example in FIG.

[0346] It should be noted that the above Figures 11A-11I This is merely an exemplary description of the user interactions involved in the process of activating a transportation card and should not constitute a limitation of this application.

[0347] Figure 11J-11P The following example shows a series of user interfaces involved in the process of activating a vehicle key.

[0348] Continue reading Figure 11D If the user wants to activate the car key on the terminal device 100, the user can click on the "car key" item to trigger the terminal device 100 to display Figure 11J The user interface shown in the example may include vehicle keys corresponding to multiple types of vehicles (such as car keys, two-wheeled vehicle keys, etc.). Since each type of vehicle may have multiple brands, and each brand has different car keys, the user interface may include multiple brands of car key addition controls (such as "Brand 1 Car Key" addition controls, "Brand 2 Car Key" addition controls, and "Brand 3 Car Key" addition controls corresponding to car keys, and "Brand A Car Key" addition controls and "Brand B Car Key" addition controls corresponding to two-wheeled vehicle keys, etc.). Assuming that the user wants to activate the "Brand 1 Car Key" corresponding to the car key on the terminal device 100, the user can click on the "Brand 1 Car Key" addition control to trigger the terminal device 100 to display Figure 11K The user interface is shown as an example.

[0349] See Figure 11K , Figure 11KThe user interface shown can display relevant information about the brand 1 car key (such as the car key display style, name (such as "My Car"), etc.), and can also display an "Add Now" control. The user clicks the "Add Now" control to trigger the terminal device 100 to activate the car key.

[0350] Optionally, during the process of opening the car key, the terminal device 100 may also display Figure 11L The user interface shown in the example may display a prompt (for example, "Adding car key, it will take about 1 minute, please wait") to remind the user that the terminal device 100 is activating the car key. The user interface may also display the real-time progress of the terminal device 100 activating the car key so that the user can be informed in time.

[0351] In an embodiment of the present application, the terminal device 100 performs the operation of activating the car key, which may specifically include: obtaining the installation data of the car key's Applet, obtaining the car key's original contactless parameters and their values, installing the car key's Applet, obtaining system-level contactless parameters and their values, adjusting the car key's original contactless parameter values ​​to system-level contactless parameter values, etc.

[0352] In some embodiments, the terminal device 100 displays Figure 11L After the user interface shown, a series of user interfaces may be displayed to guide the user to pair the car key added to the terminal device 100 with the corresponding vehicle.

[0353] For example, see Figure 11M , Figure 11M The user interface shown can be used for the user to enter the pairing code, which can be sent to the terminal device 100 in the form of a text message. The user can perform the pairing code sending operation in the key application on the vehicle to trigger the key application to send the pairing code to the mobile phone number bound to the vehicle. After receiving the pairing code, the user can manually enter the pairing code and Figure 11N Click the "Next" control in the user interface shown to trigger the terminal device 100 to display Figure 11O The user interface shown in the example may display a prompt (such as "Place the phone in the tray under the center console") to prompt the user to place the terminal device 100 in the tray under the center console of the vehicle so that the vehicle computer and the terminal device 100 can be paired. The user interface may also display the real-time progress of the pairing so that the user can be informed in time. After the pairing is successful, the terminal device 100 may display Figure 11P The user interface shown is an example to prompt the user that the pairing is successful.

[0354] After the terminal device 100 successfully activates the car key, the terminal device 100 can allow the user to view the activated car key in the "card package" provided by the wallet application.

[0355] It is easy to understand that the operation of the user opening the car key mentioned in the above embodiment 1 and embodiment 2 may include Figure 11J-11N A series of user operations are shown as an example in FIG.

[0356] It should be noted that the above Figure 11J-11P This is merely an exemplary description of the user interactions involved in the process of activating a car key and should not constitute a limitation of this application.

[0357] Figure 11Q-Figure 11T The following example illustrates a series of user interfaces involved in setting a card activation policy.

[0358] In an embodiment of the present application, the terminal device 100 can support the user to independently set a card activation policy for the activated NFC simulated card, wherein the card activation policy can include an automatic activation policy and a manual activation policy.

[0359] When the terminal device 100 applies the automatic activation policy, the terminal device 100 can automatically activate some or all of the Applets of the activated NFC simulation cards without the user having to manually perform the activation operation. In the case of automatically activating some of the Applets of the activated NFC simulation cards, the terminal device 100 can determine which Applets of the NFC simulation cards can be automatically activated and which Applets of the NFC simulation cards cannot be automatically activated based on preset rules, wherein the above preset rules may include but are not limited to the following: 1. Business priority rules, for example, the Applets of the NFC simulation cards with business priorities in the top M (where M is a positive integer greater than 1) can be automatically activated; 2. Card activation order rules, for example, the Applets of the first N (where N is a positive integer greater than 1) NFC simulation cards that are activated first can be automatically activated; and so on.

[0360] In the case where the terminal device 100 applies the manual activation policy, after the terminal device 100 has opened an NFC simulation card, the Applet of the NFC simulation card will not be automatically activated, but the Applet of the NFC simulation card will be activated after the user manually confirms the activation.

[0361] The following is an illustrative description of the process of setting a card activation policy in conjunction with a series of user interfaces.

[0362] See Figure 11Q , Figure 11QThe exemplary user interface shown may be a setting interface provided by the wallet application, which may include one or more setting items (e.g., a "Card Swipe Settings" item, a "Card Activation Settings" item, a "Payment and Security Settings" item, a "Privacy" item, an "Other" item, etc.). The user may click on the "Card Activation Settings" item to trigger the terminal device 100 to display the Figure 11R The user interface shown as an example, the terminal device 100 can support the user to set the card activation policy in the user interface.

[0363] See Figure 11R , Figure 11R The user interface shown may display controls corresponding to card activation policies for the user to select, such as an "automatically activate all activated cards" control, an "automatically activate activated cards that meet preset rules" control, and a "manual activation" control.

[0364] In the embodiment of the present application, the terminal device 100 may first apply a card activation policy by default. The terminal device 100 will set the control corresponding to the card activation policy to be selected. Figure 11R As shown, the "Automatically activate all activated cards" control is in the selected state, indicating that the current terminal device 100 is applying the card activation policy of "Automatically activate all activated cards". It is easy to understand that when the terminal device 100 applies the card activation policy of "Automatically activate all activated cards", if the user wants to newly activate one or more NFC simulated cards on the terminal device 100, the terminal device 100 will automatically activate the Applets of the one or more NFC simulated cards after activating the one or more NFC simulated cards. In other words, each time an NFC simulated card is activated, the terminal device 100 will automatically activate the Applet of the NFC simulated card.

[0365] If the user wants to switch the currently applied card activation policy, he can directly click the control corresponding to the target card activation policy, triggering the terminal device 100 to put the control into a selected state and switch to apply the target card activation policy.

[0366] For example, assuming that the above-mentioned target card activation policy is the card activation policy of "automatically activating activated cards that meet the preset rules", then when the terminal device 100 applies this card activation policy, if the user wants to activate a new NFC simulated card on the terminal device 100, the terminal device 100 will determine whether to automatically activate the Applet of the NFC simulated card based on the preset rules after activating the NFC simulated card. The above-mentioned preset rules can refer to the above-mentioned relevant text description and will not be repeated here.

[0367] For example, assuming that the target card activation policy is the "manual activation" card activation policy, then when the terminal device 100 applies this card activation policy, if the user wants to activate a new NFC simulated card on the terminal device 100, the terminal device 100 will only activate the NFC simulated card, and will not automatically activate the Applet of the NFC simulated card after the NFC simulated card is activated. The user needs to manually confirm the activation before the terminal device 100 will activate the Applet of the NFC simulated card. For example, see Figure 11S The terminal device 100 can support the user to perform a confirmation activation operation on the user interface for displaying the currently activated cards. The user interface can display the activation control corresponding to each activated NFC simulated card. The user clicks the activation control to trigger the terminal device 100 to activate the corresponding NFC simulated card. For example, the user clicks Figure 11S The activation control corresponding to the car key shown in the figure can trigger the terminal device 100 to activate the car key Applet. After activation, the terminal device 100 can Figure 11T The user interface shown shows that the car key has been activated so that the user can know it in time; for example, the user clicks Figure 11T The activation control corresponding to the transportation card shown in the figure can trigger the terminal device 100 to activate the Applet of the transportation card. After activation, the terminal device 100 can Figure 11U The user interface shown shows that the transportation card has been activated so that the user can be informed in time; and so on.

[0368] In an embodiment of the present application, when the terminal device 100 applies the card activation policy of "automatically activating activated cards that comply with preset rules", if the newly activated NFC simulated card is not automatically activated because it does not comply with the preset rules, then the terminal device 100 can also display the activation control corresponding to the NFC simulated card on the aforementioned user interface for displaying the currently activated card, and the user can trigger the terminal device 100 to activate the Applet of the NFC simulated card by clicking the control.

[0369] In the embodiment of the present application, the terminal device 100 can also support the user to manually delete the NFC simulated card, or deactivate the Applet of the NFC simulated card. There are many specific operation methods, which are not limited in the embodiment of the present application. For example, taking the car key as an example, the user can click Figure 11U The vehicle key entry shown triggers the terminal device 100 to display Figure 11VThe user interface shown in the example may display a "Delete Card" control and a "Deactivate Card" control. A user click may trigger the terminal device 100 to delete the car key, and a user click may trigger the terminal device 100 to deactivate the car key Applet.

[0370] It should be noted that in the process of executing the card management method provided in the embodiment of the present application, the terminal device 100 needs to turn on the NFC function. There are many ways to turn on the NFC function. For example, the user can click the NFC switch control in the control center to turn on the NFC function; for example, the user can also click the NFC switch control in the settings application to turn on the NFC function; and so on. The embodiment of the present application does not limit this.

[0371] Figure 12 The specific process of another card management method provided in an embodiment of the present application is exemplified.

[0372] like Figure 12 As shown, the method is applied to a terminal device. The specific steps of the method are described in detail below: S1201: The terminal device is close to a first card reader device that supports a first NFC simulated card.

[0373] S1202: The terminal device receives a first identifier sent by a first card reading device.

[0374] S1203: The terminal device selects a first NFC simulated card from a plurality of activated NFC simulated cards based on the first identifier, where the first NFC simulated card is associated with the first identifier.

[0375] S1204: The terminal device performs the first task based on the first NFC simulated card.

[0376] S1205. The terminal device sends the execution result of the first task to the first card reading device.

[0377] Among them, the above-mentioned first NFC simulated card can be an NFC simulated card activated on the terminal device (such as a transportation card, etc.), the first card reading device can be a card reading device that supports the first NFC simulated card (such as a transportation card gate, etc.), the first identifier can be the AID of the first NFC simulated card, and the first task can be a task that the first NFC simulated card can perform (such as payment, identity authentication, etc.).

[0378] It should be noted that the “activated state” mentioned in this application may also be referred to as the first state.

[0379] In this way, when the user uses the terminal device to perform a card swiping operation, the terminal device can directly select the first NFC simulated card from multiple activated NFC simulated cards to perform NFC transactions without switching cards, reducing the time consumed in swiping the card and improving the success rate of swiping the card.

[0380] In a possible implementation, the terminal device activates M NFC simulation cards, some or all of the M NFC simulation cards are in an activated state, and the activated NFC simulation cards include a first NFC simulation card and a second NFC simulation card.

[0381] The first NFC simulated card and the second NFC simulated card are two different NFC simulated cards.

[0382] That is to say, in this application, among the multiple NFC simulated cards activated on the terminal device, at least two NFC simulated cards can be in an activated state and available at the same time. In this way, when the user performs a card swiping operation, the terminal device can reduce the number of card switching times to a certain extent, thereby improving the card swiping success rate. Preferably, the terminal device can activate all of these multiple activated NFC simulated cards. In this way, when the user performs a card swiping operation, the terminal device does not need to switch cards in real time. All cards are available at the same time. The user can directly perform NFC transactions when swiping the card, which can maximize the card swiping success rate.

[0383] In a possible implementation, the method also includes: the terminal device approaches a second card reader device that supports a second NFC simulated card; the terminal device receives a second identifier sent by the second card reader device; the terminal device selects a second NFC simulated card from multiple activated NFC simulated cards based on the second identifier, and the second NFC simulated card is associated with the second identifier; the terminal device executes a second task based on the second NFC simulated card; the terminal device sends the execution result of the second task to the second card reader device; wherein the second identifier is different from the first identifier.

[0384] Among them, the above-mentioned second NFC simulated card can be an NFC simulated card activated on the terminal device that is different from the first NFC simulated card (such as a car key, etc.), the second card reader device can be a card reader device that supports the second NFC simulated card (such as a vehicle, etc.), the second identifier can be the AID of the second NFC simulated card, and the second task can be a task that the second NFC simulated card can perform (such as opening a car door, etc.).

[0385] In this way, when the user performs a card swiping operation, the terminal device can directly select the first NFC simulated card from multiple activated NFC simulated cards to perform NFC transactions without switching cards, reducing the time consumed in card swiping and improving the success rate of card swiping.

[0386] In a possible implementation, after the terminal device selects the second NFC simulated card from a plurality of activated NFC simulated cards based on the second identifier, the first NFC simulated card remains in the activated state.

[0387] That is to say, when the terminal device chooses to use the second NFC simulated card to conduct NFC transactions with the second card reader, the first NFC simulated card can still be in an activated state. In this way, when the first NFC simulated card needs to be used, there is no need to re-activate the card, which reduces the time spent on card swiping and improves the success rate of card swiping.

[0388] In one possible implementation, before the terminal device sends the execution result of the second task to the second card reader device, the method further includes: the terminal device sends a first NFC protocol parameter with a first value to the second card reader device; before the terminal device sends the execution result of the first task to the first card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with a first value to the first card reader device.

[0389] The first NFC protocol parameter may be the contactless parameter mentioned in the aforementioned embodiment, and the first value may be the value of the system-level contactless parameter mentioned in the aforementioned embodiment.

[0390] In an embodiment of the present application, after the terminal device approaches the first card reader device and the second card reader device, it can send system-level contactless parameters and their values ​​to the first card reader device and the second card reader device to negotiate the NFC interaction rate with the first card reader device and the second card reader device, so that the NFC transaction task can be completed smoothly subsequently.

[0391] In a possible implementation, both the first NFC simulation card and the second NFC simulation card are activated by the terminal device based on a first NFC protocol parameter with a first value.

[0392] In other words, the terminal device activates the activated NFC emulated card based on the system-level contactless parameter values. In this way, the terminal device can use the system-level contactless parameter values ​​to conduct NFC transactions with the card reader when using different NFC emulated cards.

[0393] In one possible implementation, before the terminal device approaches a first card reader device that supports a first near-field communication NFC simulation card, the method further includes: the terminal device obtains a first NFC protocol parameter with a second value; the terminal device adjusts the first NFC protocol parameter with the second value to the first NFC protocol parameter with the first value; before the terminal device approaches a second card reader device that supports a second NFC simulation card, the method further includes: the terminal device obtains a first NFC protocol parameter with a third value; the terminal device adjusts the first NFC protocol parameter with the third value to the first NFC protocol parameter with the first value; wherein the second value is associated with the first NFC simulation card, the third value is associated with the second NFC simulation card, and the second value and the third value are different.

[0394] The second value may be the value of the original contactless parameter corresponding to the first NFC simulation card, and the third value may be the value of the original contactless parameter of the second NFC simulation card.

[0395] That is to say, after activating the NFC simulated card, the terminal device can first obtain the value of the original contactless parameter corresponding to the NFC simulated card, and then adjust the value of the original contactless parameter to the value of the system-level contactless parameter, and then activate the NFC simulated card based on the value of the system-level contactless parameter.

[0396] In a possible implementation, the first NFC protocol parameter, the first value, the second value, and the third value are pre-stored on the terminal device, or are obtained by the terminal device from the server.

[0397] That is to say, the system-level contactless parameters and their values, and the original contactless parameters and their values ​​of the NFC simulated card can be pre-stored on the terminal device or stored on the server, and the terminal device can obtain them from the server when needed.

[0398] In a possible implementation, the method further includes: the terminal device updates the first NFC protocol parameter with the first value to the first NFC protocol parameter with a fourth value; before the terminal device sends the execution result of the second task to the second card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with the fourth value to the second card reader device; before the terminal device sends the execution result of the first task to the first card reader device, the method further includes: the terminal device sends the first NFC protocol parameter with the fourth value to the first card reader device.

[0399] That is to say, in actual applications, the values ​​of the system-level contactless parameters can be updated according to actual needs. After the update, the terminal device will use the updated values ​​of the system-level contactless parameters to perform NFC communication with the card reader device.

[0400] In a possible implementation, the terminal device includes a security chip, and the terminal device adjusts the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value, specifically including: the security chip adjusts the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value; the terminal device adjusts the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value, specifically including: the security chip adjusts the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value.

[0401] That is to say, the terminal device can use the security chip to perform the operation of "adjusting the original contactless parameter values ​​of the NFC simulated card to the values ​​of the system-level contactless parameters".

[0402] In a possible implementation, the terminal device further includes a first application. Before the security chip adjusts the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value, the method further includes: the first application sends a first message to the security chip, where the first message is used to instruct the security chip to adjust the first NFC protocol parameter of the second value to the first NFC protocol parameter of the first value; before the security chip adjusts the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value, the method further includes: the first application sends a second message to the security chip, where the second message is used to instruct the security chip to adjust the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value.

[0403] Among them, the above-mentioned first application can be a business management application (such as a wallet application).

[0404] That is, the terminal device can instruct the security chip through the first application to perform the operation of "adjusting the original contactless parameter values ​​of the NFC simulated card to the system-level contactless parameter values".

[0405] In a possible implementation, the terminal device further includes an NFC chip and an NFC service module, and the method further includes: the NFC service module sends a first NFC protocol parameter with a first value to the NFC chip; the NFC chip saves the first NFC protocol parameter with the first value; the terminal device sends the first NFC protocol parameter with the first value to the second card reader device, specifically including: the NFC chip sends the first NFC protocol parameter with the first value to the second card reader device; the terminal device sends the first NFC protocol parameter with the first value to the first card reader device, specifically including: the NFC chip sends the first NFC protocol parameter with the first value to the first card reader device.

[0406] That is to say, after activating the NCF simulated card, the NFC service module can send the system-level contactless parameters and their values ​​used by the security chip when activating the NFC simulated card to the NFC information, so that the subsequent NFC chip can use the system-level contactless parameters and their values ​​to communicate with the card reader device through NFC.

[0407] In one possible implementation, the first NFC protocol parameter includes one or more of the following: a unique identifier UID, a request response SAK of a SELECT command, a request response ATQA of a REQA command, historical bytes ATS History Bytes of the selection response, a frame waiting time and a start frame protection time FWI, SFGI, a supported card identifier field CIDSupport, and a maximum data transmission rate Max Data Rate.

[0408] In a possible implementation, the terminal device is in a powered-off state.

[0409] That is to say, when the terminal device is turned off and the user performs a card swiping operation, these multiple activated NFC simulated cards are still available, improving the user experience.

[0410] In one possible implementation, the method also includes: the terminal device displays a first user interface of the first application, the first user interface includes M near-field communication NFC simulation cards activated by the terminal device through the first application, M is a positive integer greater than 1, and the M NFC simulation cards include at least 2 NFC simulation cards in an activated state.

[0411] That is to say, after activating multiple NFC simulated cards, the terminal device can also display these multiple activated NFC simulated cards on the user interface for the user to view.

[0412] In one possible implementation, at least two activated NFC simulated cards include a first NFC simulated card. Before the first NFC simulated card is activated, the method further includes: the terminal device activates the first NFC simulated card; the terminal device detects the user's confirmation operation to activate the first NFC simulated card, and in response to the operation, the terminal device activates the first NFC simulated card.

[0413] In this way, the terminal device can support users to manually activate the activated NFC simulated card.

[0414] In one possible implementation, at least two activated NFC simulated cards include a second NFC simulated card. Before the second NFC simulated card is activated, the method further includes: the terminal device activates the second NFC simulated card and automatically activates the second NFC simulated card.

[0415] In this way, the terminal device can automatically activate the activated NFC simulated card without the need for manual operation by the user, which is convenient and quick.

[0416] In one possible implementation, the second NFC simulated card is an NFC simulated card that complies with preset rules, and the preset rules include one or more of the following: the priority of the service corresponding to the second NFC simulated card is higher than the first threshold, and the second NFC simulated card is one of the first X NFC simulated cards activated in the terminal device, where X is a positive integer less than or equal to the second threshold.

[0417] That is to say, the terminal device will only automatically activate NFC simulated cards that meet the preset rules. For example, the service priority rule states that NFC simulated cards with service priorities in the top M (where M is a positive integer greater than 1) can be automatically activated, that is, NFC simulated cards with the above service priorities higher than the first threshold can be automatically activated; for example, the card activation order rule states that the first X NFC simulated cards that have been activated can be automatically activated.

[0418] The terminal device provided in the embodiment of the present application can run an operating system (OS). The operating system can be various operating systems currently used in the industry, such as operating systems developed based on OpenHarmony, such as HarmonyOS; or other operating systems such as Android® and iOS mobile operating systems; it can also be various open source operating systems or their derivative operating systems, such as Linux OS, and other embedded operating systems; it can also be a new operating system in the future, such as an AI operating system based on artificial intelligence. The operating system is a set of interrelated system software programs that manage and control the operation of terminal devices, utilize and run hardware and software resources, and provide public services to organize user interactions. The operating system plays a connecting role in the terminal device, connecting the physical devices at the hardware layer downward and providing an operating environment for application software upward.

[0419] An operating system typically includes: a kernel layer, a middleware layer, and an application layer; the application layer includes application programs, which may include system applications and third-party applications. The middleware layer is a series of software, or a framework, that provides various services to application developers, used to provide various services such as databases, multimedia, and graphics, or to provide various capabilities such as distributed scheduling and system expansion. For example, the middleware layer can also be roughly divided into a framework layer and / or a system service layer. The framework layer provides an application programming interface (API) and a programming framework for applications in the application layer. The system service layer includes a set of core capabilities of the system and provides services to applications through the framework layer. The kernel layer is the layer between hardware and software. The kernel layer may include hardware drivers and the operating system kernel. In addition to providing hardware drivers, the kernel layer also supports functions such as memory management and system process management.

[0420] The types and forms of terminal devices used in our daily lives are different, and the scenarios in which terminal devices are used are also very wide. Therefore, based on the forms and functions of different terminal devices, different application scenarios and different user needs, the operating systems used for terminal devices may also be different. These operating systems have commonalities and their own characteristics. Different operating systems affect user experience, application ecology and system performance. The basic functions implemented by the terminal device provided in this application can be implemented by a general operating system or by a dedicated operating system. In order to more clearly introduce the implementation of the embodiment of the present application under a specific operating system, the architecture of HarmonyOS is shown below, and those skilled in the art can deduce the implementation of the embodiment of the present application under other specific operating systems, such as the implementation under the Android® operating system.

[0421] Figure 13 The software structure of a terminal device provided in an embodiment of the present application is exemplified.

[0422] like Figure 13 As shown, the software architecture of a terminal device can be divided into several layers. In some embodiments, these layers, from bottom to top, are: kernel layer, system service layer, framework layer, and application layer. Layers communicate with each other via software interfaces. System functions can be tailored, added, or combined at the subsystem level in different device deployment scenarios. Within each subsystem, functions can be tailored, added, or combined at the functional level.

[0423] The Kernel Abstraction Layer (KAL) shields multi-kernel differences and provides basic kernel capabilities to the upper layer, including but not limited to process / thread management, memory management, file system, network management, and peripheral management.

[0424] Kernel subsystem: supports the selection of suitable OS kernels for different resource-constrained devices, including but not limited to Linux kernel, Hongmeng kernel, LiteOS, etc.

[0425] Driver subsystem: The driver framework is the foundation for the system's hardware ecosystem to be open, providing unified peripheral access capabilities and a driver development and management framework. The driver framework includes: display drivers, camera drivers, audio drivers, Bluetooth drivers, sensor drivers, etc.

[0426] The system service layer includes the core capabilities of the system and provides services to applications through the framework layer. This layer includes a set of subsystems, but is not limited to the following: System basic capability subsystem set: provides basic capabilities for the operation, scheduling, migration and other operations of distributed applications on multiple devices; for example, it can include distributed soft bus, distributed data management, distributed task scheduling, compiler / runner; also includes multi-mode input subsystem, graphics subsystem, security subsystem, AI subsystem, etc.

[0427] Basic software service subsystem set: provides public and general software services; for example, event notification subsystem, telephone service subsystem, multimedia subsystem, etc.

[0428] Enhanced software service subsystem set: provides differentiated capability-enhanced software services for different devices; for example, it may include smart screen-specific business subsystems, wearable-specific business subsystems, IoT-specific business subsystems, etc.

[0429] Hardware service subsystem set: provides hardware services; for example, it can include location service subsystem, user IAM (Identity and Access Management) subsystem, wearable proprietary hardware service subsystem, biometric recognition, IoT proprietary hardware service subsystem, etc.

[0430] Distributed task scheduling can realize distributed service management (discovery, synchronization, registration, and calling), and supports remote startup, remote calling, remote connection, and migration of applications across devices.

[0431] Distributed data management can realize data synchronization, data storage, data sharing and data access functions across all scenarios and devices.

[0432] The distributed soft bus provides communication-related capabilities for seamless interconnection between multiple devices, including: WLAN service capabilities, Bluetooth service capabilities, soft bus, inter-process communication RPC (Remote Procedure Call) and other communication capabilities.

[0433] The compiler / runner is a unified compilation and runtime platform designed to support the joint compilation and execution of multiple programming languages ​​and multiple chip platforms. For example, the compiler / runner can be the Ark Compiler.

[0434] The framework layer provides application programming interfaces (APIs) and programming frameworks for applications in the application layer. Examples include the UI framework module (which provides a complete infrastructure for UI development in system applications, including UI features such as components, layouts, animations, interactive events, and real-time interface preview tools), the user program framework, and the Ability framework (an Ability is a lightweight application that schedules and manages its operation and lifecycle). Different devices may run different operating systems, and the APIs they support may also vary.

[0435] The HarmonyOS API is a set of open capabilities designed to support HarmonyOS application development. HarmonyOS APIs can be set up at the framework level or independently of the framework level. Examples include the Audio API (audio services), the Push API (push services), and the Account API (account services).

[0436] The application layer may include application programs (or applications) in the terminal device, including but not limited to: desktop, business management, settings, phone, short message, email, social, memo, calendar, contacts, shopping, etc.

[0437] Among them, the service management can be an application (such as a wallet application) installed on the terminal device 100. As a service initiator, it can be used to accept the user's card activation request and write one or more NFC simulated card applets and their card data into the security chip; it can also be used to send system-level contactless parameters and their values ​​to the security chip during the card activation process; it can also be used to trigger the security chip to activate one or more activated NFC simulated card applets; and so on.

[0438] Among them, the specific functions of the business management application can be referred to the relevant description in the aforementioned embodiment and will not be repeated here.

[0439] It should be noted that the name of the business management application is only a term used in the embodiment of the present application. The meaning it represents has been recorded in the embodiment of the present application, and its name does not constitute any limitation to the embodiment of the present application.

[0440] The following describes the structure of a server provided in an embodiment of the present application.

[0441] Figure 14 The structure of a server provided in an embodiment of the present application is exemplified.

[0442] like Figure 14 As shown, the server 200 may include: one or more processors 1401, a memory 1402, a communication interface 1403, a transmitter 1405, a receiver 1406, a coupler 1407, and an antenna 1408. These components may be connected via a bus 1404 or other means. Figure 14 Take bus connection as an example. Communication interface 1403 can be used by server 200 to communicate with other devices, such as terminal device 100. Specifically, communication interface 1403 can be a 3G communication interface, a 4G communication interface, a 5G communication interface, or a future new air interface communication interface. Server 200 is not limited to a wireless communication interface; it can also be configured with a wired communication interface 1403, such as a local access network (LAN) interface. Transmitter 1405 can be used to transmit and process signals output by processor 1401. Receiver 1406 can be used to receive and process mobile communication signals received by antenna 1408.

[0443] In some embodiments of the present application, transmitter 1405 and receiver 1406 can be considered a wireless modem. In server 200, the number of transmitters 1405 and receivers 1406 can be one or more. Antenna 1408 can be used to convert electromagnetic energy in a transmission line into electromagnetic waves in free space, or vice versa. Coupler 1407 is used to split the mobile communication signal received by antenna 1408 into multiple paths and distribute them to multiple receivers 1406.

[0444] Memory 1402 is coupled to processor 1401 and is used to store various software programs and / or multiple sets of instructions. Specifically, memory 1402 may include high-speed random access memory and may also include non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid-state storage devices. Memory 1402 may store a network communication program that can be used to communicate with one or more additional devices, one or more terminal devices, or one or more network devices.

[0445] In some embodiments of the present application, the memory 1402 may be used to store an implementation program of the card management method provided by one or more embodiments of the present application on the server 200 side.

[0446] The processor 1401 may be configured to read and execute computer-readable instructions. Specifically, the processor 1401 may be configured to call a program stored in the memory 1402, such as an implementation program of the card management method provided in one or more embodiments of the present application on the server 200 side, and execute the instructions contained in the program.

[0447] It should be noted that Figure 14 The server 200 shown is only one implementation of the embodiment of the present application. In actual applications, the server 200 may also include more or fewer components, which is not limited here.

[0448] For more details about the functions and working principles of the server 200, please refer to the relevant content in the above embodiments, which will not be repeated here.

[0449] The following is a schematic diagram of the hardware structure of a terminal device provided in an embodiment of the present application.

[0450] Figure 15 The hardware structure of a terminal device provided in an embodiment of the present application is exemplified.

[0451] like Figure 15 As shown, the terminal device may include: a processor 110, an external memory interface 120, an internal memory 121, a universal serial bus (USB) interface 130, a charging management module 140, a power management module 141, a battery 142, an antenna 1, an antenna 2, a mobile communication module 150, a wireless communication module 160, an audio module 170, a speaker 170A, a receiver 170B, a microphone 170C, an earphone interface 170D, a sensor module 180, a button 190, a motor 191, an indicator 192, a camera 193, a display screen 194, and a subscriber identification module (SIM) card interface 195, etc. The sensor module 180 may include a pressure sensor 180A, a gyroscope sensor 180B, an air pressure sensor 180C, a magnetic sensor 180D, an acceleration sensor 180E, a distance sensor 180F, a proximity light sensor 180G, a fingerprint sensor 180H, a temperature sensor 180J, a touch sensor 180K, an ambient light sensor 180L, a bone conduction sensor 180M, etc.

[0452] It is understood that the structures illustrated in the embodiments of the present application do not constitute specific limitations on the terminal device. In other embodiments of the present application, the terminal device may include more or fewer components than shown, or may combine or separate certain components, or arrange the components differently. The illustrated components may be implemented in hardware, software, or a combination of software and hardware.

[0453] The processor 110 may include one or more processing units. For example, the processor 110 may include an application processor (AP), a modem processor, a graphics processing unit (GPU), an image signal processor (ISP), a controller, a memory, a video codec, a digital signal processor (DSP), a baseband processor, and / or a neural-network processing unit (NPU). The different processing units may be independent devices or integrated into one or more processors.

[0454] The controller can be the nerve center and command center of the terminal device. Based on the instruction opcode and timing signal, the controller can generate operation control signals to complete the control of instruction fetching and execution.

[0455] Processor 110 may also include a memory for storing instructions and data. In some embodiments, the memory in processor 110 is a cache memory. This memory can store instructions or data that have just been used or are being recycled by processor 110. If processor 110 needs to use the same instruction or data again, it can directly access the memory. This avoids duplicate accesses, reduces processor 110 latency, and thus improves system efficiency.

[0456] In some embodiments, the processor 110 may include one or more interfaces. The interfaces may include an inter-integrated circuit (I2C) interface, an inter-integrated circuit sound (I2S) interface, a pulse code modulation (PCM) interface, a universal asynchronous receiver / transmitter (UART) interface, a mobile industry processor interface (MIPI), a general-purpose input / output (GPIO) interface, a subscriber identity module (SIM) interface, and / or a universal serial bus (USB) interface.

[0457] The I2C interface is a bidirectional synchronous serial bus that includes a serial data line (SDA) and a serial clock line (SCL). In some embodiments, the processor 110 may include multiple I2C busses. The processor 110 may be coupled to the touch sensor 180K, charger, flash, camera 193, etc. via different I2C bus interfaces. For example, the processor 110 may be coupled to the touch sensor 180K via the I2C interface, enabling communication between the processor 110 and the touch sensor 180K via the I2C bus interface, thereby implementing touch functionality in the terminal device.

[0458] The I2S interface can be used for audio communication. In some embodiments, the processor 110 can include multiple I2S buses. The processor 110 can be coupled to the audio module 170 via the I2S bus to enable communication between the processor 110 and the audio module 170. In some embodiments, the audio module 170 can transmit audio signals to the wireless communication module 160 via the I2S interface, enabling the function of answering calls through a Bluetooth headset.

[0459] The MIPI interface can be used to connect the processor 110 to peripheral devices such as the display 194 and the camera 193. MIPI interfaces include the camera serial interface (CSI) and the display serial interface (DSI). In some embodiments, the processor 110 and the camera 193 communicate via the CSI interface to implement the camera function of the terminal device. The processor 110 and the display 194 communicate via the DSI interface to implement the display function of the terminal device.

[0460] The GPIO interface can be configured via software. The GPIO interface can be configured as either a control signal or a data signal. In some embodiments, the GPIO interface can be used to connect the processor 110 to the camera 193, display 194, wireless communication module 160, audio module 170, sensor module 180, etc. The GPIO interface can also be configured as an I2C interface, an I2S interface, a UART interface, a MIPI interface, etc.

[0461] USB interface 130 is an interface that complies with USB standards and specifications, and may be a Mini USB interface, a Micro USB interface, a USB Type-C interface, or the like. USB interface 130 can be used to connect a charger to charge the terminal device, or to transfer data between the terminal device and peripheral devices. It can also be used to connect headphones to play audio. This interface can also be used to connect to other terminal devices, such as AR devices.

[0462] It is understood that the interface connection relationship between the modules illustrated in the embodiments of the present application is only a schematic illustration and does not constitute a structural limitation on the terminal device. In other embodiments of the present application, the terminal device may also adopt a different interface connection method from the above embodiments, or a combination of multiple interface connection methods.

[0463] The charging management module 140 is configured to receive charging input from a charger. The charger can be either a wireless charger or a wired charger. In some wired charging embodiments, the charging management module 140 can receive charging input from the wired charger via the USB interface 130. In some wireless charging embodiments, the charging management module 140 can receive wireless charging input via the terminal device's wireless charging coil. While charging the battery 142, the charging management module 140 can also provide power to the terminal device via the power management module 141.

[0464] The power management module 141 is used to connect the battery 142, the charging management module 140 and the processor 110. The power management module 141 receives input from the battery 142 and / or the charging management module 140, and provides power to the processor 110, the internal memory 121, the external memory, the display 194, the camera 193, and the wireless communication module 160. The power management module 141 can also be used to monitor parameters such as battery capacity, battery cycle count, and battery health status (leakage, impedance). In some other embodiments, the power management module 141 can also be set in the processor 110. In other embodiments, the power management module 141 and the charging management module 140 can also be set in the same device.

[0465] The wireless communication function of the terminal device can be implemented through antenna 1, antenna 2, mobile communication module 150, wireless communication module 160, modem processor and baseband processor.

[0466] Antenna 1 and Antenna 2 are used to transmit and receive electromagnetic wave signals. Each antenna in the terminal device can be used to cover a single or multiple communication frequency bands. Different antennas can also be reused to improve antenna utilization. For example, antenna 1 can be reused as a diversity antenna for a wireless local area network. In other embodiments, the antennas can be used in conjunction with a tuning switch.

[0467] The mobile communication module 150 can provide solutions for wireless communications including 2G / 3G / 4G / 5G applied to terminal devices. The mobile communication module 150 may include at least one filter, a switch, a power amplifier, a low noise amplifier (LNA), etc. The mobile communication module 150 can receive electromagnetic waves from the antenna 1, and filter, amplify, and process the received electromagnetic waves, and transmit them to the modulation and demodulation processor for demodulation. The mobile communication module 150 can also amplify the signal modulated by the modulation and demodulation processor, and convert it into electromagnetic waves for radiation through the antenna 1. In some embodiments, at least some of the functional modules of the mobile communication module 150 can be set in the processor 110. In some embodiments, at least some of the functional modules of the mobile communication module 150 can be set in the same device as at least some of the modules of the processor 110.

[0468] The modem processor may include a modulator and a demodulator. The modulator is used to modulate the low-frequency baseband signal to be transmitted into a medium-high frequency signal. The demodulator is used to demodulate the received electromagnetic wave signal into a low-frequency baseband signal. The demodulator then transmits the demodulated low-frequency baseband signal to the baseband processor for processing. After being processed by the baseband processor, the low-frequency baseband signal is passed to the application processor. The application processor outputs a sound signal through an audio device (not limited to the speaker 170A, the receiver 170B, etc.) or displays an image or video through the display screen 194. In some embodiments, the modem processor may be an independent device. In other embodiments, the modem processor may be independent of the processor 110 and be set in the same device as the mobile communication module 150 or other functional modules.

[0469] The wireless communication module 160 can provide wireless communication solutions including wireless local area networks (WLAN) (such as wireless fidelity (Wi-Fi) networks), Bluetooth (BT), global navigation satellite system (GNSS), frequency modulation (FM), near field communication (NFC), infrared (IR), etc. applied to terminal devices. The wireless communication module 160 can be one or more devices integrating at least one communication processing module. The wireless communication module 160 receives electromagnetic waves via the antenna 2, frequency modulates and filters the electromagnetic wave signals, and sends the processed signals to the processor 110. The wireless communication module 160 can also receive the signal to be sent from the processor 110, frequency modulate it, amplify it, and convert it into electromagnetic waves for radiation through the antenna 2.

[0470] In some embodiments, the antenna 1 of the terminal device is coupled to the mobile communication module 150, and the antenna 2 is coupled to the wireless communication module 160, so that the terminal device can communicate with the network and other devices through wireless communication technology. The wireless communication technology may include global system for mobile communications (GSM), general packet radio service (GPRS), code division multiple access (CDMA), wideband code division multiple access (WCDMA), time-division code division multiple access (TD-SCDMA), long term evolution (LTE), BT, GNSS, WLAN, NFC, FM, and / or IR technology. The GNSS may include a global positioning system (GPS), a global navigation satellite system (GLONASS), a Beidou navigation satellite system (BDS), a quasi-zenith satellite system (QZSS) and / or a satellite based augmentation system (SBAS).

[0471] The terminal device implements display functionality through a GPU, display screen 194, and an application processor. The GPU is a microprocessor for image processing that connects display screen 194 and the application processor. The GPU is used to perform mathematical and geometric calculations for graphics rendering. Processor 110 may include one or more GPUs that execute program instructions to generate or modify display information.

[0472] Display screen 194 is used to display images, videos, etc. Display screen 194 includes a display panel. The display panel can be a liquid crystal display (LCD), an organic light-emitting diode (OLED), an active-matrix organic light-emitting diode (AMOLED), a flexible light-emitting diode (FLED), a MiniLED, a MicroLED, a Micro-oLed, or a quantum dot light-emitting diode (QLED). In some embodiments, the terminal device can include one or N display screens 194, where N is a positive integer greater than 1.

[0473] In an embodiment of the present application, the terminal device can display one or more enabled NFC simulation cards and one or more activated NFC simulation cards through the display screen 194.

[0474] The terminal device can realize the shooting function through the ISP, camera 193, video codec, GPU, display 194 and application processor.

[0475] The external memory interface 120 can be used to connect an external memory card, such as a Micro SD card, to expand the storage capacity of the terminal device. The external memory card communicates with the processor 110 via the external memory interface 120 to implement data storage functions. For example, files such as music and videos can be stored on the external memory card.

[0476] The internal memory 121 can be used to store computer executable program codes, which include instructions. The processor 110 executes various functional applications and data processing of the terminal device by running the instructions stored in the internal memory 121. The internal memory 121 may include a program storage area and a data storage area. Among them, the program storage area can store an operating system, an application required for at least one function (such as a sound playback function, an image playback function, etc.), etc. The data storage area can store data created during the use of the terminal device (such as audio data, a phone book, etc.), etc. In addition, the internal memory 121 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, a universal flash storage (UFS), etc.

[0477] The terminal device can implement audio functions such as music playback and recording through the audio module 170, the speaker 170A, the receiver 170B, the microphone 170C, the headphone jack 170D, and the application processor.

[0478] The audio module 170 is used to convert digital audio information into analog audio signal output, and is also used to convert analog audio input into digital audio signals. The audio module 170 can also be used to encode and decode audio signals. In some embodiments, the audio module 170 can be provided in the processor 110, or some functional modules of the audio module 170 can be provided in the processor 110.

[0479] The speaker 170A, also called a "speaker", is used to convert audio electrical signals into sound signals. The terminal device can listen to music or listen to hands-free calls through the speaker 170A.

[0480] The receiver 170B, also called a "handset", is used to convert audio electrical signals into sound signals. When the terminal device receives a call or voice message, the voice can be heard by placing the receiver 170B close to the human ear.

[0481] Microphone 170C, also known as "microphone" or "microphone", is used to convert sound signals into electrical signals. When making a call or sending a voice message, the user can speak by putting their mouth close to the microphone 170C to input the sound signal into the microphone 170C. The terminal device can be provided with at least one microphone 170C. In other embodiments, the terminal device can be provided with two microphones 170C, which can not only collect sound signals but also realize noise reduction function. In other embodiments, the terminal device can also be provided with three, four or more microphones 170C to realize sound signal collection, noise reduction, and identification of sound sources, and realize directional recording function, etc.

[0482] The headphone jack 170D is used to connect a wired headphone and can be the USB interface 130 or a 3.5mm open mobile terminal platform (OMTP) standard interface or a cellular telecommunications industry association of the USA (CTIA) standard interface.

[0483] Pressure sensor 180A is used to sense pressure signals and convert them into electrical signals. In some embodiments, pressure sensor 180A can be located on display screen 194. There are many types of pressure sensors 180A, such as resistive pressure sensors, inductive pressure sensors, and capacitive pressure sensors. A capacitive pressure sensor can include at least two parallel plates made of conductive material. When force is applied to pressure sensor 180A, the capacitance between the electrodes changes. The terminal device determines the intensity of the pressure based on the change in capacitance. When a touch operation is applied to display screen 194, the terminal device detects the intensity of the touch operation based on pressure sensor 180A. The terminal device can also calculate the location of the touch based on the detection signal from pressure sensor 180A. In some embodiments, touch operations applied to the same touch location but with different touch operation intensities can correspond to different operation instructions. For example, when a touch operation with an intensity less than a first pressure threshold is applied to a short message application icon, an instruction to view short messages is executed. When a touch operation with an intensity greater than or equal to the first pressure threshold is applied to a short message application icon, an instruction to create a new short message is executed.

[0484] The touch sensor 180K is also called a "touch panel." The touch sensor 180K can be provided on the display screen 194. The touch sensor 180K and the display screen 194 form a touch screen, also called a "touch screen." The touch sensor 180K is used to detect touch operations applied thereto or in the vicinity thereof. The touch sensor can transmit the detected touch operations to the application processor to determine the type of touch event. Visual output related to the touch operations can be provided via the display screen 194. In other embodiments, the touch sensor 180K can also be provided on the surface of the terminal device, in a location different from that of the display screen 194.

[0485] Keys 190 include a power button, a volume button, and the like. Keys 190 may be mechanical keys or touch-sensitive keys. The terminal device may receive key inputs and generate key signal inputs related to user settings and function control of the terminal device.

[0486] Motor 191 can generate vibration prompts. Motor 191 can be used for vibration prompts for incoming calls, and can also be used for touch vibration feedback. For example, touch operations acting on different applications (such as taking pictures, audio playback, etc.) can correspond to different vibration feedback effects. For touch operations acting on different areas of the display screen 194, motor 191 can also correspond to different vibration feedback effects. Different application scenarios (for example: time reminders, receiving messages, alarm clocks, games, etc.) can also correspond to different vibration feedback effects. The touch vibration feedback effect can also support customization.

[0487] The indicator 192 may be an indicator light, which may be used to indicate the charging status, power level changes, messages, missed calls, notifications, etc.

[0488] The SIM card interface 195 is used to connect a SIM card. The SIM card can be connected to and separated from the terminal device by inserting it into or removing it from the SIM card interface 195. The terminal device can support 1 or N SIM card interfaces, where N is a positive integer greater than 1. The SIM card interface 195 can support Nano SIM cards, Micro SIM cards, SIM cards, etc. Multiple cards can be inserted into the same SIM card interface 195 at the same time. The types of the multiple cards can be the same or different. The SIM card interface 195 can also be compatible with different types of SIM cards. The SIM card interface 195 can also be compatible with external memory cards. The terminal device interacts with the network through the SIM card to implement functions such as calls and data communications. In some embodiments, the terminal device uses an eSIM, i.e., an embedded SIM card. The eSIM card can be embedded in the terminal device and cannot be separated from the terminal device.

[0489] It should be understood that Figure 15 The terminal device shown is only an example and the terminal device may have more Figure 15 More or fewer components may be shown, two or more components may be combined, or the components may be arranged differently. Figure 15 The various components shown in the drawings may be implemented in hardware, software, or a combination of hardware and software, including one or more signal processing and / or application specific integrated circuits.

[0490] An embodiment of the present application provides a chip system, including: a processor, the processor is coupled to a memory, the memory is used to store programs or instructions, when the program or instructions are executed by the processor, the chip system implements the method in any of the above method embodiments.

[0491] Optionally, there may be one or more processors in the chip system. The processor may be implemented in hardware or software. When implemented in hardware, the processor may be a logic circuit, an integrated circuit, etc. When implemented in software, the processor may be a general-purpose processor implemented by reading software code stored in a memory.

[0492] Optionally, the memory in the chip system may be one or more. The memory may be integrated with the processor or may be provided separately from the processor, which is not limited in the embodiments of the present application. For example, the memory may be a non-transient processor, such as a read-only memory (ROM), which may be integrated with the processor on the same chip or provided on different chips. The embodiments of the present application do not specifically limit the type of memory or the configuration of the memory and the processor.

[0493] Exemplarily, the chip system may be a field programmable gate array (FPGA), an application specific integrated circuit (ASIC), a system on chip (SoC), a central processor unit (CPU), a network processor (NP), a digital signal processor (DSP), a microcontroller unit (MCU), a programmable logic device (PLD) or other integrated chips.

[0494] It should be understood that each step in the above method embodiment can be completed by hardware integrated logic circuits in a processor or by software instructions. The method steps disclosed in the embodiments of the present application can be directly embodied as being executed by a hardware processor, or by a combination of hardware and software modules in a processor.

[0495] In the above embodiments, all or part of the embodiments can be implemented using software, hardware, firmware, or any combination thereof. When implemented using software, all or part of the embodiments can be implemented in the form of a computer program product. The computer program product comprises one or more computer instructions. When loaded and executed on a computer, the computer program instructions fully or partially perform the processes or functions described herein. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable device. The computer instructions can be stored in a computer-readable storage medium or transmitted from one computer-readable storage medium to another. For example, the computer instructions can be transmitted from one website, computer, server, or data center to another website, computer, server, or data center via wired (e.g., coaxial cable, optical fiber, digital subscriber line) or wireless (e.g., infrared, wireless, microwave, etc.) means. The computer-readable storage medium can be any available medium accessible by a computer or a data storage device such as a server or data center that integrates one or more available media. The available medium can be magnetic media (e.g., floppy disk, hard disk, tape), optical media (e.g., DVD), or semiconductor media (e.g., solid-state drive (SSD)).

[0496] Those skilled in the art will appreciate that all or part of the process steps in the above-described method embodiments can be implemented by a computer program instructing the relevant hardware. The program can be stored in a computer-readable storage medium, and when executed, the program can include the process steps in the above-described method embodiments. The aforementioned storage medium includes various media capable of storing program code, such as ROM or random access memory (RAM), magnetic disks, or optical disks.

[0497] The above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A card management method, characterized in that: Applied to a terminal device, the method includes: The terminal device is close to a first card reader device that supports a first near field communication NFC simulated card; The terminal device receives the first identifier sent by the first card reading device; The terminal device selects the first NFC simulated card from a plurality of activated NFC simulated cards based on the first identifier, where the first NFC simulated card is associated with the first identifier; The terminal device performs a first task based on the first NFC simulated card; The terminal device sends the execution result of the first task to the first card reading device.

2. The method according to claim 1, characterized in that The terminal device has activated M NFC simulation cards, some or all of the M NFC simulation cards are in an activated state, and the activated NFC simulation cards include the first NFC simulation card and the second NFC simulation card.

3. The method according to claim 2, characterized in that The method further comprises: The terminal device is close to a second card reader device that supports the second NFC simulated card; The terminal device receives the second identifier sent by the second card reading device; The terminal device selects the second NFC simulated card from the multiple activated NFC simulated cards based on the second identifier, where the second NFC simulated card is associated with the second identifier; The terminal device performs a second task based on the second NFC simulated card; The terminal device sends the execution result of the second task to the second card reading device; The second identifier is different from the first identifier.

4. The method according to claim 3, characterized in that After the terminal device selects the second NFC simulated card from the multiple activated NFC simulated cards based on the second identifier, the first NFC simulated card remains in the activated state.

5. The method according to claim 3 or 4, characterized in that Before the terminal device sends the execution result of the second task to the second card reading device, the method further includes: The terminal device sends a first NFC protocol parameter with a first value to the second card reader device; Before the terminal device sends the execution result of the first task to the first card reading device, the method further includes: The terminal device sends the first NFC protocol parameter of the first value to the first card reader device.

6. The method according to claim 5, characterized in that The first NFC simulated card and the second NFC simulated card are both activated by the terminal device based on the first NFC protocol parameter with the first value.

7. The method according to claim 6, characterized in that Before the terminal device approaches a first card reader device that supports a first near field communication NFC simulated card, the method further includes: The terminal device obtains the first NFC protocol parameter having a second value; the terminal device adjusts the first NFC protocol parameter having the second value to the first NFC protocol parameter having the first value; Before the terminal device approaches a second card reader device supporting the second NFC simulated card, the method further includes: The terminal device acquires the first NFC protocol parameter having a third value; the terminal device adjusts the first NFC protocol parameter having the third value to the first NFC protocol parameter having the first value; The second value is associated with the first NFC simulated card, the third value is associated with the second NFC simulated card, and the second value and the third value are different.

8. The method according to claim 7, characterized in that The first NFC protocol parameter, the first value, the second value, and the third value are pre-stored on the terminal device, or are obtained by the terminal device from a server.

9. The method according to any one of claims 6 to 8, characterized in that: The method further comprises: The terminal device updates the first NFC protocol parameter having the first value to the first NFC protocol parameter having a fourth value; Before the terminal device sends the execution result of the second task to the second card reading device, the method further includes: The terminal device sends the first NFC protocol parameter of the fourth value to the second card reading device; Before the terminal device sends the execution result of the first task to the first card reading device, the method further includes: The terminal device sends the first NFC protocol parameter with the fourth value to the first card reading device.

10. The method according to claim 1 or 2 or 3 or 4 or 6 or 7 or 8, characterized in that The method further comprises: The terminal device displays a first user interface, which includes the multiple NFC simulated cards in an activated state.

11. The method according to claim 7 or 8, characterized in that The terminal device includes a security chip, The terminal device adjusting the first NFC protocol parameter having the second value to the first NFC protocol parameter having the first value specifically includes: the security chip adjusting the first NFC protocol parameter having the second value to the first NFC protocol parameter having the first value; The terminal device adjusting the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value specifically includes: the security chip adjusting the first NFC protocol parameter of the third value to the first NFC protocol parameter of the first value.

12. The method according to claim 11, characterized in that The terminal device also includes a first application, Before the security chip adjusts the first NFC protocol parameter having the second value to the first NFC protocol parameter having the first value, the method further includes: the first application sending a first message to the security chip, where the first message is used to instruct the security chip to adjust the first NFC protocol parameter having the second value to the first NFC protocol parameter having the first value; Before the security chip adjusts the first NFC protocol parameter with the third value to the first NFC protocol parameter with the first value, the method further includes: the first application sending a second message to the security chip, where the second message is used to instruct the security chip to adjust the first NFC protocol parameter with the third value to the first NFC protocol parameter with the first value.

13. The method according to claim 12, characterized in that The terminal device further includes an NFC chip and an NFC service module, and the method further includes: The NFC service module sends the first NFC protocol parameter with the first value to the NFC chip; The NFC chip stores the first NFC protocol parameter with the first value; The terminal device sending the first NFC protocol parameter with the first value to the second card reader device specifically includes: the NFC chip sending the first NFC protocol parameter with the first value to the second card reader device; The terminal device sends the first NFC protocol parameter with the first value to the first card reader device, specifically including: the NFC chip sends the first NFC protocol parameter with the first value to the first card reader device.

14. The method according to claim 6 or 7 or 8 or 12 or 13, characterized in that The first NFC protocol parameters include one or more of the following: a unique identifier UID, a request response SAK of a SELECT command, a request response ATQA of a REQA command, a history bytes ATS History Bytes of a selection response, a frame waiting time and a start frame protection time FWI, SFGI, a supported card identifier field CID Support, and a maximum data transmission rate Max Data Rate.

15. The method according to claim 1 or 2 or 3 or 4 or 6 or 7 or 8 or 12 or 13, characterized in that The terminal device is in a powered-off state.

16. A card management method, characterized in that: Applied to a terminal device, the method includes: The terminal device displays a first user interface of a first application, wherein the first user interface includes M near-field communication NFC simulation cards activated by the terminal device through the first application, where M is a positive integer greater than 1, and the M NFC simulation cards include at least 2 NFC simulation cards in an activated state.

17. The method according to claim 16, characterized in that The at least two activated NFC simulated cards include a first NFC simulated card. Before the first NFC simulated card is activated, the method further includes: The terminal device activates the first NFC simulated card; The terminal device detects an operation by a user confirming activation of the first NFC simulated card, and in response to the operation, the terminal device activates the first NFC simulated card.

18. The method according to claim 16, characterized in that The at least two activated NFC simulated cards include a second NFC simulated card, and before the second NFC simulated card is activated, the method further includes: The terminal device opens the second NFC simulated card and automatically activates the second NFC simulated card.

19. The method according to claim 18, characterized in that The second NFC simulated card is an NFC simulated card that complies with preset rules, and the preset rules include one or more of the following: the priority of the service corresponding to the second NFC simulated card is higher than the first threshold, and the second NFC simulated card is one of the first X NFC simulated cards activated in the terminal device, where X is a positive integer less than or equal to the second threshold.

20. An electronic device, characterized in that: The electronic device includes one or more processors and one or more memories; wherein the one or more memories are coupled to the one or more processors, and the one or more memories are used to store computer program code, and the computer program code includes computer instructions, and when the one or more processors execute the computer instructions, the electronic device executes the method as described in any one of claims 1-15 or 16-19.

21. A computer storage medium, characterized in that The computer storage medium stores a computer program, which includes program instructions. When the program instructions are executed on an electronic device, the electronic device executes the method according to any one of claims 1 to 15 or 16 to 19.

22. A computer program product, characterized in that When the computer program product is run on a computer, the computer is caused to perform the method according to any one of claims 1 to 15 or 16 to 19.

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