RFID-BASED SMART TERMINAL, BANK CARD AND FINANCIAL MANAGEMENT SYSTEM

• US 20160307187A1
• Filed: 01/22/2015
• Published: 10/20/2016
• Est. Priority Date: 11/12/2014
• Status: Active Grant

• Current Assignee: Huizhou TCL Mobile Communication Company Limited (TCL Technology Group Corp.)
• Original Assignee: Huizhou TCL Mobile Communication Company Limited (TCL Technology Group Corp.)
• Inventors: GUO, George, HU, Xuelong Ronald, ZHAO, Shiqing
• Granted Patent: US 10,289,998 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06K 19/0705 the battery being connected to a power saving arrangement
• CPC Class Codes: G06K 19/0716 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: H04B 5/24 Inductive coupling
• CPC Class Codes: H04B 5/266 One coil at each side, e.g. with primary and secondary coils
• CPC Class Codes: H04B 5/70 specially adapted for specific purposes
• CPC Class Codes: H04B 5/77 for interrogation
• CPC Class Codes: Y02D 30/70 in wireless communication networks

Abstract

An RFID-based smart terminal, bank card and financial management system are disclosed. The smart terminal comprises a first RFID antenna, a sensor switch and a processor. The first RFID antenna is configured to receive RFID signals. The sensor switch is configured to, when sensing the approach of an RFID signal source, activate the first RFID antenna directly or through the processor so as to enable RFID function. The smart terminal according to the present disclosure can, when sensing the approach of the RFID signal source, trigger the first RFID antenna a to be activated, and can effectively reduce the power consumption and save energy.

Claims

1. An RFID-based financial management system, comprising a smart terminal, a bank card and a banking system, wherein

the smart terminal comprises a first RFID antenna, a sensor switch, a processor and a signaling module configured to interact with the banking system via network based on RFID signals;

the bank card comprises a second RFID antenna, an RFID chip and an inductive source, the RFID chip comprising information of the bank card;

wherein when the bank card approaches the smart terminal, the sensor switch senses the inductive source and thus activates the first RFID antenna directly or through the processor to receive the RFID signals transmitted by the second RFID antenna to implement RFID function.

2. The RFID-based financial management system according to claim 1, wherein the inductive source is of magnetic material, and the sensor switch is a Hall switch;

wherein when the bank card approaches the smart terminal, the Hall switch senses a magnetic field produced by the magnetic material and is automatically closed and thus activates the first RFID antenna directly or through the processor;

when the bank card moves away from the smart terminal, the Hall switch no longer senses the magnetic field produced by the magnetic material and is automatically opened and thus deactivates the first RFID antenna directly or through the processor.

11. The RFID-based financial management system according to claim 1, wherein the first RFID antenna is attached to an interior of a housing of the smart terminal, and the second RFID antenna is arranged such that an induction zone to be produced by the second RFID antenna is at the center of the bank card.

12. The RFID-based financial management system according to claim 2, wherein the smart terminal further comprises an electromagnet configured to be powered on when the Hall switch senses the inductive source and is closed, and to produce a magnetic field to enable the bank card comprising the inductive source of magnetic material to be attracted onto the smart terminal.

13. The RFID-based financial management system according to claim 12, wherein the inductive source is a magnetic strip configured to trigger the RFID function of the smart terminal to be activated or deactivated, and the bank card further comprises a magnetic block configured to be attracted to the smart terminal.

14. The RFID-based financial management system according to claim 1, wherein the bank card further comprises an IC chip read-interface and a magnetic strip read-interface.

3. An RFID-based smart terminal, comprising a first RFID antenna, a sensor switch and a processor, wherein the first RFID antenna is configured to receive RFID signals, the sensor switch is configured to, when sensing the approach of a RFID signal source, activate the first RFID antenna directly or through the processor so as to implement RFID function.

4. The RFID-based smart terminal according to claim 3, wherein the sensor switch is a Hall switch, which is automatically closed when sensing a magnetic-field signal in order to activate the first RFID antenna directly or through the processor.

5. The RFID-based smart terminal according to claim 3, further comprising an electromagnet, wherein the sensor switch powers on the electromagnet when sensing the approach of the RFID signal source.

6. The RFID-based smart terminal according to claim 3, wherein the sensor switch is further configured to, when sensing the moving away of the RFID signal source, deactivate the first RFID antenna directly or through the processor.

7. The RFID-based smart terminal according to claim 3, further comprising a display screen and a signaling module, wherein the display screen is configured to, when the first RFID antenna is activated directly or through the processor, enable visualization of the RFID function via the display screen of the smart terminal, and the signaling module is configured to interact with a banking system via network based on the RFID signals.

15. The RFID-based smart terminal according to claim 3, wherein the sensor switch is an infrared sensor switch or an ultrasound sensing switch.

16. The RFID-based smart terminal according to claim 3, further comprising a permanent magnet configured to attract the RFID signal source when the sensor switch senses the approach of the RFID signal source.

17. The RFID-based smart terminal according to claim 3, wherein the smart terminal comprises at least one of a mobile phone, a tablet computer and a public inquiry machine.

8. An RFID-based bank card, comprising an RFID chip, a second RFID antenna and an inductive source, wherein the RFID chip comprises information of the bank card, the second RFID antenna is configured to transmit at least one portion of the information of the bank card, and the inductive source is configured to trigger RFID function of a smart terminal to which the bank card is approaching to be activated.

9. The RFID-based bank card according to claim 8, wherein the inductive source is of magnetic material, which comprises at least one of a magnetic strip, a magnet and a magnetic block.

10. The RFID-based bank card according to claim 8, wherein the inductive source is further configured to trigger the RFID function of the smart terminal from which the bank card is moving away to be deactivated.

18. The RFID-based bank card according to claim 8, wherein the bank card further comprises an IC chip read-interface and a magnetic strip read-interface.

19. The RFID-based bank card according to claim 8, wherein the second RFID antenna is arranged as such that an induction zone produced by the second RFID antenna is at the center of the bank card.

20. The RFID-based bank card according to claim 8, wherein the inductive source is a magnetic strip configured to trigger the RFID function of the smart terminal to be activated or deactivated, and the bank card further comprises a magnetic block configured to be attracted to the smart terminal.