A circuit module for a payment terminal

Abstract

The application provides a circuit module of a payment terminal, comprising a substrate, a UWB chip, an NFC chip, an SE chip and a processor; the UWB chip is arranged in the substrate and is used for UWB payment; the NFC chip is arranged in the substrate and is used for NFC payment; the SE chip is arranged in the substrate, and the SE chip is provided with a key storage used for storing a payment key and a key calculation algorithm; the processor is arranged in the substrate, the UWB chip, the NFC chip and the SE chip are connected with the processor, the processor is connected with a Bluetooth antenna, the processor transmits a wake-up signal through the Bluetooth antenna to wake up a UWB tag in a range; UWB non-inductive payment and NFC card swiping payment can be supported, and multiple payment modes can be selected; the payment efficiency can be improved through Bluetooth wake-up; the transmission data is subjected to encryption processing, the safety of payment information and transaction data is ensured, and the safety of the payment process is significantly improved.

Description

Technical Field

[0001] This application relates to the field of mobile communication technology, and more particularly to a circuit module for a payment terminal. Background Technology

[0002] Currently, public transportation payment methods mainly include physical cards, NFC mobile virtual cards, and QR codes. Passengers using physical cards and NFC mobile virtual cards need to tap them against a card reader; passengers using QR codes need to take out their phones and open the corresponding app to scan the code; these methods are not very convenient. Furthermore, if transaction data is not transmitted encrypted during transportation payments, security issues arise. Utility Model Content

[0003] The following is an overview of the subject matter described in detail herein. This overview is not intended to limit the scope of the claims.

[0004] The purpose of this application is to at least partially solve one of the technical problems existing in the related technologies. The embodiments of this application provide a circuit module for a payment terminal, which can improve the convenience and security of transportation payment.

[0005] An embodiment of the first aspect of this application provides a circuit module for a payment terminal, comprising:

[0006] substrate;

[0007] UWB chip, which is disposed in the substrate and used for UWB payment;

[0008] An NFC chip, which is disposed within the substrate, is used for NFC payment;

[0009] SE chip, the SE chip is disposed in the substrate, and the SE chip is provided with a key memory for storing payment keys and key calculation algorithms;

[0010] The processor is disposed within the substrate. The UWB chip, the NFC chip, and the SE chip are connected to the processor. The processor is connected to a Bluetooth antenna. The processor transmits a wake-up signal through the Bluetooth antenna to wake up UWB tags within range.

[0011] According to an embodiment of the first aspect of this application, the processor is connected to a memory chip, the memory chip being used to store operating parameters.

[0012] According to an embodiment of the first aspect of this application, the UWB chip is connected to a UWB antenna.

[0013] According to an embodiment of the first aspect of this application, the NFC chip is connected to an NFC antenna.

[0014] According to an embodiment of the first aspect of this application, a power supply is provided in the substrate, and the power supply is connected to the UWB chip, the NFC chip, the SE chip, and the processor.

[0015] According to an embodiment of the first aspect of this application, the processor is connected to a speaker.

[0016] According to an embodiment of the first aspect of this application, the substrate is rectangular in shape.

[0017] According to an embodiment of the first aspect of this application, the substrate has through holes.

[0018] According to an embodiment of the first aspect of this application, the substrate has a receiving cavity, in which the UWB chip, the NFC chip, the SE chip and the processor are placed, and the receiving cavity is covered with a cover plate.

[0019] According to an embodiment of the first aspect of this application, the receiving cavity is divided into multiple chambers, and each chamber is placed in a corresponding manner to a chip.

[0020] The above solution has at least the following beneficial effects: (1) When passengers use a transit card to pass through a gate with UWB contactless payment function, they do not need to take out the transit card to swipe it. They can directly pass through the gate by making contactless payment through the UWB chip. When passengers pass through a gate without UWB contactless payment function, or when the UWB chip is not working, passengers can pay by swiping their NFC chip and pass through. The circuit module of this payment terminal can support both contactless payment and card payment, improving the convenience of payment for passengers.

[0021] (2) The processor sends a wake-up signal via Bluetooth antenna to wake up the UWB tags within range. When a passenger uses a transit card to pass through a gate with UWB contactless payment functionality, the processor sends a wake-up signal via Bluetooth antenna. The gate receives the wake-up signal and wakes up the UWB tags. The UWB chip and the UWB tags interact with each other to achieve contactless payment and improve payment efficiency.

[0022] (3) The key calculation algorithm is used to encrypt the transmitted data according to the key, so as to ensure the security of payment information and transaction data, significantly improve the security of the payment process, and reduce the risk of fraud and unauthorized access. Attached Figure Description

[0023] The accompanying drawings are used to provide a further understanding of the technical solutions of this application and constitute a part of the specification. They are used together with the embodiments of this application to explain the technical solutions of this application and do not constitute a limitation on the technical solutions of this application.

[0024] Figure 1 This is a structural diagram of the circuit module of the payment terminal. Detailed Implementation

[0025] To make the objectives, technical solutions, and advantages of this application clearer, the following detailed description is provided in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative and not intended to limit the scope of this application.

[0026] It should be noted that although functional modules are divided in the device schematic diagram and a logical order is shown in the flowchart, in some cases, the steps shown or described may be performed in a different order than the module division in the device or the order in the flowchart. The terms "first," "second," etc., in the specification, claims, or the aforementioned drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence.

[0027] The embodiments of this application will be further described below with reference to the accompanying drawings.

[0028] Reference Figure 1 The embodiments of this application provide a circuit module for a payment terminal.

[0029] The circuit module of the payment terminal includes: substrate 10, UWB chip 200, NFC chip 400, SE chip 300 and processor 100.

[0030] The UWB chip 200 is disposed within the substrate 10 for UWB payment; the NFC chip 400 is disposed within the substrate 10 for NFC payment; the SE chip 300 is disposed within the substrate 10 and has a key memory for storing payment keys and key calculation algorithms; the processor 100 is disposed within the substrate 10, and the UWB chip 200, NFC chip 400, and SE chip 300 are connected to the processor 100. The processor 100 is connected to the Bluetooth antenna 620, and the processor 100 wakes up the UWB tags within range by transmitting a wake-up signal through the Bluetooth antenna 620.

[0031] The UWB chip 200 uses UWB (Ultra Wide Band) technology to achieve contactless payment. UWB is a wireless carrier communication technology that uses frequency bandwidths above 1 GHz to transmit data through nanosecond-level non-sinusoidal narrow pulses. Features of UWB technology include high data transmission rates (reaching hundreds of megabits per second or more), strong resistance to multipath interference, low power consumption, low cost, strong penetration capability, low interception rate, and spectrum sharing with other existing wireless communication systems.

[0032] The UWB chip 200 is connected to the UWB antenna 610. The UWB chip 200 transmits data outward through the UWB antenna 610 and receives data through the UWB antenna 610.

[0033] The NFC chip 400 uses NFC (Near Field Communication) technology to enable card payments. NFC is a short-range, high-frequency wireless communication technology that allows electronic devices to exchange data at very close range (typically within a few centimeters).

[0034] The NFC chip 400 is connected to the NFC antenna 630. The NFC chip 400 transmits data outward through the NFC antenna 630 and receives data through the NFC antenna 630.

[0035] When passengers use their transit cards to pass through turnstiles equipped with UWB contactless payment functionality, they do not need to take out their transit cards to swipe; they can directly pass through using the UWB chip 200 for contactless payment. When passengers pass through turnstiles without UWB contactless payment functionality, or when the UWB chip 200 is not working, passengers can use the NFC chip 400 to swipe their cards and pass through. The circuit module of this payment terminal supports both contactless payment and card payment, improving the convenience of passenger travel payments.

[0036] The processor 100 is connected to the Bluetooth antenna 620, and the processor 100 transmits a wake-up signal through the Bluetooth antenna 620 to wake up the UWB tags within range. When a passenger uses a transit card to pass through a gate with UWB contactless payment functionality, the processor 100 transmits the wake-up signal through the Bluetooth antenna 620, and the gate receives the wake-up signal and wakes up the UWB tags. The UWB chip 200 interacts with the UWB tags to achieve contactless payment.

[0037] The SE chip 300 is equipped with a key memory for storing payment keys and key calculation algorithms. When a passenger makes a transportation payment, the processor 100 reads the key from the SE chip 300 and uses the key calculation algorithm to encrypt the transmitted data according to the key, ensuring the security of payment information and transaction data, significantly improving the security of the payment process, and reducing the risk of fraud and unauthorized access.

[0038] The SE chip 300 can store different types of keys and key calculation algorithms. For example, the SE chip 300 stores key a and key calculation algorithm A corresponding to UWB payment, and also stores key b and key calculation algorithm B corresponding to UWB payment.

[0039] When a passenger uses a transit payment card to pass through a gate with UWB contactless payment functionality, the transit payment card makes a contactless payment through the UWB chip 200. The processor 100 reads key a from the SE chip 300 and uses key calculation algorithm A to encrypt the transmitted data based on key a, ensuring the security of payment information and transaction data during the UWB contactless payment process.

[0040] When a passenger uses a transit payment card to swipe and pay via the NFC chip 400, the processor 100 reads key b from the SE chip 300 and uses key calculation algorithm B to encrypt the transmitted data based on key b, ensuring the security of payment information and transaction data during the NFC card payment process.

[0041] By storing different keys and key calculation algorithms in the SE chip 300 and reading keys and key calculation algorithms from the SE chip 300 to encrypt transaction data, soft isolation of different key systems can be achieved. When a new key system needs to be added, the new key can be loaded through software without adding new physical hardware slots.

[0042] The processor 100 is connected to the storage chip 500, which stores the operating parameters of the processor 100, UWB chip 200, and NFC chip 400. When the processor 100, UWB chip 200, and NFC chip 400 are running and processing data, they cache data in the storage chip 500 and read operating parameters from the storage chip 500.

[0043] A power supply is provided within the substrate 10, and the power supply is connected to the UWB chip 200, NFC chip 400, SE chip 300, memory chip 500, and processor 100. The power supply is a button cell battery, which is small in size, suitable for the space-constrained substrate 10, and has a long lifespan, suitable for long-term power supply needs. In other embodiments, the power supply may be a lithium manganese battery or other types of batteries.

[0044] In some embodiments, the processor 100 may be connected to a speaker. The processor 100 sends prompt voice information to the speaker, which then plays the prompt voice. For example, when payment is completed through the circuit module of the payment terminal, the processor 100 sends a prompt voice message corresponding to "beep" to the speaker, which then plays the prompt voice "beep".

[0045] In some embodiments, the circuit module of the payment terminal may be equipped with a display screen, which is exposed on the substrate 10 and electrically connected to the processor 100 and a power supply. The display screen serves as the interface between the user and the circuit module of the payment terminal. The content displayed on the screen can be designed according to requirements, such as displaying card balance, transaction records, and travel history. When the passenger information or card status is normal, the display screen will show a travel QR code, providing passengers with more payment options suitable for different travel methods. When the passenger information or card status is abnormal, the display screen will show corresponding prompts to alert the passenger, allowing them to be aware of the abnormal status promptly.

[0046] The above is a detailed description of the preferred embodiments of this application, but this application is not limited to the embodiments. Those skilled in the art can make various equivalent modifications or substitutions without departing from the spirit of this application, and these equivalent modifications or substitutions are all included within the scope defined by the claims of this application.

Claims

1. A circuit module for a payment terminal, characterized in that, include: substrate; UWB chip, which is disposed in the substrate and used for UWB payment; An NFC chip, which is disposed within the substrate, is used for NFC payment; SE chip, the SE chip is disposed in the substrate, and the SE chip is provided with a key memory for storing payment keys and key calculation algorithms; The processor is disposed within the substrate. The UWB chip, the NFC chip, and the SE chip are connected to the processor. The processor is connected to a Bluetooth antenna. The processor transmits a wake-up signal through the Bluetooth antenna to wake up UWB tags within range.

2. The circuit module of the payment terminal according to claim 1, characterized in that, The processor is connected to a memory chip, which is used to store operating parameters.

3. The circuit module of the payment terminal according to claim 1, characterized in that, The UWB chip is connected to the UWB antenna.

4. The circuit module of the payment terminal according to claim 1, characterized in that, The NFC chip is connected to the NFC antenna.

5. The circuit module of the payment terminal according to claim 1, characterized in that, A power supply is provided inside the substrate, and the power supply is connected to the UWB chip, the NFC chip, the SE chip, and the processor.

6. The circuit module of the payment terminal according to claim 1, characterized in that, The processor is connected to the speaker.

7. The circuit module of the payment terminal according to claim 1, characterized in that, The substrate is rectangular in shape.

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