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Dual-frequency antenna mobile phone

A dual-frequency antenna and high-frequency antenna technology, applied in the field of communications, can solve problems such as restricting and hindering mobile e-commerce, and achieve the effect of stabilizing the transmission distance

Active Publication Date: 2010-09-15
UNION MOBILE PAY
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, mobile e-commerce is booming, mobile payment has become a new generation of payment methods, mobile banking and mobile electronic wallets are booming at home and abroad, banks, mobile communication companies and many third-party companies have invested huge resources in research and development of mobile internet. Pilot mobile e-commerce, mobile payment and mobile multi-application systems. Since the mobile communication network and financial network are relatively independent, government agencies also supervise the mobile communication service industry and financial service industry separately. Therefore, for mobile payment, mobile banking or mobile electronic Wallets and other applications across financial and communication systems at the same time, the current non-contact mobile phone technology is difficult to solve the security, multi-payment mode coexistence, conflicts and collaboration issues in application management, for example, the security and communication of the financial system The security requirements of the system are different, the security guarantee of financial information in the mobile phone, the management subject of the electronic wallet; the simultaneous support of short-distance payment and medium-distance payment by the mobile payment terminal, etc., the current mobile terminal is lacking in these problems. A better solution, whether it is an NFC mobile phone terminal, a mobile phone terminal with an RFSIM card inserted, or a mobile phone terminal with a SIMPASS dual-interface card, etc., cannot fundamentally solve the above problems. Therefore, it seriously limits and hinders China's mobile e-commerce , the development of mobile electronic payment

Method used

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Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0043] Embodiment 1: Security authentication process of mobile terminal

[0044] Such as figure 1 As shown, after the mobile terminal is combined with the chip card with payment function, when the mobile terminal is turned on, it needs to verify whether the SIM card serial number in the chip card is legal, and at the same time, it needs to submit the legality of the SIM card serial number to the authentication center. , the specific authentication process is as follows:

[0045] 1) After the payment chip card is combined with the mobile terminal, when the mobile terminal is turned on, the main controller of the mobile terminal will actively send an instruction to read the serial number of the SIM card to the chip card, and the instruction content is: 00B0A001000000;

[0046] 2) After the payment chip card receives the instruction from the main controller of the mobile terminal, it will return the internally stored SIM card serial number data to the main controller according t...

Embodiment 2

[0053] Embodiment 2: Scenario where the mobile terminal is used for payment

[0054] Such as figure 2 As shown, after the mobile terminal is combined with the payment chip card, it can carry out short-distance, medium-distance and long-distance payment services. The specific payment process is as follows:

[0055] 1) After the mobile terminal is close to the external device (mainly refers to the reader or POS terminal), the external device first interacts with the radio frequency communication module (mainly high and low frequency antenna) of the mobile terminal, and the external device sends payment to the radio frequency communication module command, the command content is: 805401000F0000000120100412160000AD8FE92B;

[0056] 2) The content of the payment instruction is sent to the main controller through the radio frequency communication module, and the main controller acts as a data channel for retransmission without any processing;

[0057] 3) The main controller sends t...

Embodiment 3

[0062] Embodiment 3: The scenario where the mobile terminal is used as a simulated card reader

[0063] Such as image 3 As shown, the mobile phone terminal has the capability of simulating a card reader. After getting close to peripheral devices such as radio frequency tags, the reading function can be activated through special buttons. The specific payment process is as follows:

[0064] 1) After the mobile terminal is close to the external device (mainly refers to the radio frequency tag, etc.), start the reading function through the special button of the mobile terminal (which can also be realized through the function of the software), and the main controller in the mobile phone sends a signal to the radio frequency communication module ( Mainly high and low frequency antennas) initiate a read command;

[0065] 2) After the radio frequency communication module receives the read command, it senses the peripheral equipment through the coil;

[0066] 3) The radio frequency ...

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Abstract

The invention discloses a dual-frequency antenna mobile phone, which comprises an SD card interface, a low-frequency antenna with the frequency of 13.56MHz, a high-frequency antenna with the frequency of 2.4GHz, a security certification module and a payment module, wherein the security certification module checks whether the bound number in a payment card is consistent with a sequence number of an SIM card of a mobile phone, if the bound number is consistent with the sequence number of the SIM card, the bound number in the payment card is transmitted to a certification center through a mobile channel, and is subjected to security certification by the certification center; the payment module comprises an on-site payment module and a remote payment module, wherein the on-site payment module comprises a short-distance payment module using the low-frequency antenna and a middle-distance payment module using the high-frequency antenna, which are switched through a payment control key; and the remote payment module finishes the wireless payment behavior through a mobile communication network. The mobile phone terminal provided by the invention can be separated from a financial payment card and has a plurality of coexisting payment modes. Therefore, the problem of the coexistence of short-distance, middle-distance and long-distance payment of the payment card on the terminal is solved.

Description

technical field [0001] The invention relates to a dual-frequency antenna mobile phone, belonging to the communication field. Background technique [0002] At present, mobile e-commerce is booming, mobile payment has become a new generation of payment methods, mobile banking and mobile electronic wallets are booming at home and abroad, banks, mobile communication companies and many third-party companies have invested huge resources in research and development of mobile internet. Pilot mobile e-commerce, mobile payment and mobile multi-application systems. Since the mobile communication network and financial network are relatively independent, government agencies also supervise the mobile communication service industry and financial service industry separately. Therefore, for mobile payment, mobile banking or mobile electronic Wallets and other applications across financial and communication systems at the same time, the current non-contact mobile phone technology is difficult...

Claims

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Application Information

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IPC IPC(8): H04W12/06H04W88/06H04M1/725H04B1/00
Inventor 方亚南王浩宽
Owner UNION MOBILE PAY
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