CN102930643B - Integrated circuit (IC) card with loading debit-credit service data interface and loading method for IC card - Google Patents
Integrated circuit (IC) card with loading debit-credit service data interface and loading method for IC card Download PDFInfo
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Abstract
The invention discloses an integrated circuit (IC) card with a loading debit-credit service data interface. The IC card comprises a Bluetooth wireless communication unit, a central processing unit (CPU), an IC card standard base-band processing unit, a security processing storage unit, a radio frequency transceiver unit and a radio frequency antenna, wherein the Bluetooth wireless communication unit is used as the loading debit-credit service data interface, communicates with a network terminal with a built-in Bluetooth wireless communication function, establishes a data link between the IC card and the network terminal, and is used for finishing data information interaction; the CPU is connected with the Bluetooth wireless communication unit, is used for processing data transmitted and received by the Bluetooth wireless communication unit, is also connected with the security processing storage unit through the IC card standard base-band processing unit, and finishes a loading debit-credit service through the security processing storage unit according to the loading debit-credit service data interface in line with a financial industry standard; the IC card standard base-band processing unit is connected with the radio frequency transceiver unit; and the radio frequency transceiver unit is electrically connected with the radio frequency antenna, and is used for realizing a payment function of the IC card.
Description
Technical field
The present invention relates to technical field of electronic equipment, particularly relate to and a kind ofly there is circle deposit the IC-card of debt-credit note business datum interface and realize enclosing the method for depositing.
Background technology
Along with the fast development of development of Mobile Internet technology and application, the demand of user to mobile-phone payment promotes greatly, and mobile-phone payment development rapidly.Mobile-phone payment, also referred to as mobile payment (Mobile Payment), refers to and allows mobile subscriber to use its mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service.Mobile-phone payment is simple to operate, can conclude the business whenever and wherever possible, can realize numerous payment function, the stored value card really allowing mobile phone become to carry with.
At present, the solution of China's mobile-phone payment is various, one be adopt based on 13.56M(China Unionpay support) built-in NFC(Near Field Communication, i.e. near-field communication technology) Mobile-Payment Technology.NFC is a kind of non contact angle measurement and interconnection technique, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.The NFC module of embedded in mobile phone comprises RF-Transceiver(radio-frequency (RF) transceiver), modulator-demodular unit, main control processor and the safe handling storage unit be connected with main control processor, the main control processor of NFC is connected with the central cpu of mobile phone by serial port etc.; Mobile phone CPU is connected with bank service end by internet, carry out transaction data and exchange cipher key interaction, designated amounts in bank card account number is imported safe handling storage unit by the central cpu of mobile phone, realize electronic cash circle and deposit function, just can realize payment function by radio-frequency (RF) transceiver afterwards.The weak point of the method is, must implant NFC module before mobile phone dispatches from the factory, and needs manufacturer to coordinate, and has the little of NFC function in existing mobile phone on the market.
The another kind of solution of mobile-phone payment adopts non-contact IC card technique.IC-card (Integrated Circuit Card, i.e. integrated circuit card) also claims smart card (smart card), smart card (intelligent card), microcircuit card (microcircuit card) or chip card etc. in some countries and regions.Non-contact IC card, also known as radio-frequency card, is mainly used in the automatic fare collection system of public transport, ferry, subway, is also applied in entrance guard management, proof of identification and stored value card.Non-contact IC card integrated circuit (IC) chip and antenna circuit is buried underground to be packaged in card base, makes card form (such as soft card) and be attached on phone housing, for swiping the card.Antenna in non-contact IC card only has coil, connects integrated circuit by coil, and is received and transmitting data by radio-frequency (RF) transceiver.The ultimate principle of its work is: the radio-frequency (RF) transceiver of card reader sends out the electromagnetic wave of one group of fixed frequency to contactless IC card, LC association of connecting is had to shake circuit in card, its frequency is identical with the frequency that radio-frequency (RF) transceiver is launched, like this under excitation of electromagnetic wave, LC assists the circuit that shakes to produce resonance, thus makes there has been electric charge in electric capacity; At the other end of this electric charge, be connected to the electronic pump of an one-way conduction, electric charge in electric capacity is delivered to the storage of another capacitor memory, when accumulated electric charge reaches operating voltage necessary requirement time (such as 2V), this electric capacity can be used as power supply for other circuit provides operating voltage, data in card is launched or the data of received RF transceiver.The weak point of the method is, the non-contact IC card of prior art itself is not connected with internet, Transaction Information cannot be obtained from the server of bank, thus electronic cash circle cannot be realized deposit function, and need to supplement with money to special voucher center or platform as existing transportation card is supplemented with money, bring very big inconvenience to user; Particularly when in IC-card, Sorry, your ticket has not enough value, and when user is inconvenient to voucher center, payment transaction just cannot complete.
Summary of the invention
Technical matters to be solved by this invention is, there is provided a kind of there is circle to deposit the IC-card of debt-credit note business datum interface and realize enclosing the method for depositing, by Bluetooth wireless communication mode with almost everybody works in coordination with at the smart mobile phone with Bluetooth wireless communication function carried with, solving prior art when not changing mobile terminal itself, the problem that function deposited by electronic cash circle cannot be realized.
In order to solve the problem, the invention provides and a kind ofly have the IC-card that debt-credit note business datum interface deposited by circle, described IC-card comprises Bluetooth wireless communication unit, CPU, IC-card standard baseband processing unit, safe handling storage unit, Transmit Receive Unit and radio-frequency antenna; Described Bluetooth wireless communication unit is deposited debt-credit note business datum interface as circle and is communicated with the network terminal of an embedded with bluetooth radio communication function, sets up the data link of described IC-card and the described network terminal, mutual for completing data message; Described CPU is connected with described Bluetooth wireless communication unit, for the treatment of the data of Bluetooth wireless communication unit transmitting-receiving, described CPU is connected with described safe handling storage unit further by IC-card standard baseband processing unit, and described CPU manages described safe handling storage unit by described IC-card standard baseband processing unit; Described safe handling storage unit is deposited and is borrowed or lent money note business datum and carries out encryption and decryption and checking authentication process according to financial IC card standard to circle; Described IC-card standard baseband processing unit is connected with described Transmit Receive Unit further, and described Transmit Receive Unit is connected with described radio-frequency antenna electricity further, for realizing the payment function of IC-card.
Described IC-card comprises a keyboard further, and described keyboard is connected with described CPU electricity, for completing input operation.
Described keyboard comprises a wake module further, for activating described CPU and Bluetooth wireless communication unit.
Described IC-card comprises a minicell further, powers for giving described CPU and Bluetooth wireless communication unit.
Described IC-card is arranged on the described network terminal by bonding method.
In order to solve the problem, present invention also offers a kind of IC-card to realize enclosing the method for depositing, adopt and of the present inventionly have the IC-card that debt-credit note business datum interface deposited by circle, it comprises the steps: (1) mates the network terminal of described Bluetooth wireless communication unit and embedded with bluetooth radio communication function; (2) described CPU utilizes described Bluetooth wireless communication unit, is sent to described financial institution services end by the described network terminal by comprising the request circle deposit data information that circle deposits the amount of money; (3) described financial institution services end and described CPU carry out alternately, return and confirm circle deposit data information; (4) described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit and is decrypted and verifies authentication by described CPU, completes circle and deposits operation.
Described IC-card comprises a keyboard further, described keyboard is connected with described CPU electricity, then step (2) comprises further: described CPU utilizes described Bluetooth wireless communication unit, comprising after employing transaction data being exchanged secret key encryption by the described network terminal encloses the request circle deposit data information of depositing the amount of money and is sent to described financial institution services end, and described request circle deposit data information passes through input through keyboard in advance; Step (3) comprises further: described financial institution services end encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to described CPU; Step (4) comprises further: described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit by described CPU, described safe handling storage unit is exchanged described in double secret key by transaction data and confirms that circle deposit data information is decrypted, user completes the password of bank card account number, the input operation of authentication certificate by keyboard simultaneously, thus the circle of specifying is deposited amount of money importing safe handling storage unit.
Described keyboard comprises one further for activating the wake module of described CPU and Bluetooth wireless communication unit, then taking a step forward of step (1) comprises: user starts described CPU and Bluetooth wireless communication unit by described wake module.
The invention has the advantages that, the chip and cpu chip with function of Bluetooth communication is packaged with by superposing one in addition at existing IC-card integrated chip, function deposited by the electronic cash circle that namely can realize IC-card, or directly integrated chip and the cpu chip with function of Bluetooth communication in IC-card standard baseband processing unit integrated chip, and without the need to carrying out any physics change to the network terminal itself; Only need install application software in the network terminal, this application software is mutual by Bluetooth wireless communication link and described IC-card, can at any time for IC-card is supplemented with money, and realization is concluded the business whenever and wherever possible; And by the authenticate key of burned issuer services mechanism of dispatching from the factory to built-in encrypting module, financial institution services end and CPU and the mutual data message of IC-card standard baseband processing unit are by the form transmission of encrypted packet, thus avoid plain code bag to propagate, ensure that the security of process deposited by circle.
Accompanying drawing explanation
Fig. 1, of the present invention have the Organization Chart that the IC-card of debt-credit note business datum interface deposited by circle;
Fig. 2, of the present invention have the embodiment schematic diagram that the IC-card of debt-credit note business datum interface deposited by circle;
Fig. 3, adopts and of the present inventionly has the schematic flow sheet that IC-card that circle deposits debt-credit note business datum interface realizes enclosing the method for depositing.
[primary clustering symbol description]
T1, IC-card; T2, the network terminal; T3, financial institution services end;
11, Bluetooth wireless communication unit; 12, CPU; 13, safe handling storage unit;
14, Transmit Receive Unit; 15, IC-card standard baseband processing unit;
17, minicell; 18, display unit; 19, keyboard.
Embodiment
There is the IC-card that circle deposits debt-credit note business datum interface and the embodiment realizing enclosing the method for depositing elaborates below in conjunction with accompanying drawing to provided by the invention.The network terminal of the band function of Bluetooth communication in the present invention be can with IC-card Bluetooth wireless communication, can also and the terminal of internet communication, as mobile phone, panel computer, card reader special, with oneself amusing products etc.In order to make description of the invention simple and clear, be only described for mobile phone in a specific embodiment, other the network terminal is identical with the principle of mobile phone.
With reference to accompanying drawing 1, of the present invention have the Organization Chart that the IC-card of debt-credit note business datum interface deposited by circle, and described IC-card T1 comprises Bluetooth wireless communication unit 11, CPU 12, safe handling storage unit 13, Transmit Receive Unit 14 and IC-card standard baseband processing unit 15.
Described Bluetooth wireless communication unit 11 as circle deposit interface with one with the network terminal T2(of Bluetooth wireless communication function hereinafter referred to as mobile phone) communicate, set up the data link of described IC-card T1 and mobile phone, mutual for completing data message.Described Bluetooth wireless communication unit 11 can adopt the bluetooth of 2.1 versions or 4.0 versions; Preferred employing 4.0 version, can reach the effect of more power saving.
When described Bluetooth wireless communication unit 11 is in opening, pairing can be completed by the Bluetooth wireless communication unit of the bluetooth password that pre-sets and mobile phone, set up the data link of described IC-card T1 and mobile phone; Mobile phone is communicated with bank background server by operator wireless communication network again, for completing transaction data information interaction, namely described Bluetooth wireless communication unit 11 is by mobile phone and internet, receive described financial institution services end T3(and refer to bank service end in this embodiment, hereinafter referred to as bank service end) data message that sends, and the data message of described CPU 12 and IC-card standard baseband processing unit 15 is forwarded to bank service end, the data message completing described CPU 12 and IC-card standard baseband processing unit 15 and bank service end is mutual.Wherein, the bluetooth password of IC-card can consign to user with IC-card.
Described CPU 12 is connected with described Bluetooth wireless communication unit 11, for the treatment of the data that Bluetooth wireless communication unit 11 is received and dispatched; Described CPU 12 is connected with described safe handling storage unit 13 further by IC-card standard baseband processing unit 15, described CPU 12 by described IC-card standard baseband processing unit 15 and described safe handling storage unit 13 mutual, complete the certification of standard financial IC card, identify, the encryption and decryption that read-write requires, the security algorithms such as authentication, carry out circle and deposit, the operation of debt-credit note.
Described safe handling storage unit 13 receives and dispatches circle deposit data information by IC-card standard baseband processing unit 15 and described CPU 12, and complete the operations such as circle deposit data information encryption and decryption authentication, wherein the password of circle deposit data information encryption and decryption and the certificate of authenticating user identification are also stored in described safe handling storage unit 13, thus avoid by the danger of mobile phone to issuable information leakage in circle deposit data information encryption process.
When IC-card T1 starts Bluetooth wireless communication function, after setting up the data link with mobile phone, CPU 12 and IC-card standard baseband processing unit 15 are started working, and the request circle deposit data information comprising circle and deposit the amount of money, by Bluetooth wireless communication unit 11 and mobile phone, is sent to bank service end by CPU 12.Request circle deposit data information can comprise circle and deposit the amount of money, bank card password etc., and these information can complete input by mobile phone.Mobile phone is connected to the bank service end of financial institution by the internet of itself, circle in request circle deposit data information is deposited the amount of money and is marked from this bank card account number by bank service end, returns afterwards and confirms that circle deposit data information is to CPU 12 and IC-card standard baseband processing unit 15.Circle deposit data information is sent to described safe handling storage unit 13 by IC-card standard baseband processing unit 15 by CPU 12.Safe handling storage unit 13 to after circle deposit data decrypts information, thus completes and the circle of specifying is deposited the circle that the amount of money imports described safe handling storage unit 13 from bank card and deposit work.
Described IC-card standard baseband processing unit 15 is connected with described CPU 12, safe handling storage unit 13 and Transmit Receive Unit 14 respectively, described Transmit Receive Unit 14 is connected with radio-frequency antenna (not shown) electricity further, for realizing the payment function of the no-contact electronic wallet of IC-card T1.Wherein, described Transmit Receive Unit 14 is for meeting the 13.56Mhz Transmit Receive Unit of NFC non-contact IC card standard.Described safe handling storage unit 13 received by IC-card standard baseband processing unit 15 and store described CPU 12 import circle deposit the amount of money; And when described Transmit Receive Unit 14 completes delivery operation synchronous balance amount information.Described Transmit Receive Unit 14 is connected with radio-frequency antenna electricity further, by carrying out radio communication with payment platform and with described safe handling storage unit 13, completes delivery operation.Wherein the realization of payment function can adopt technological means of the prior art to realize delivery operation, does not repeat one by one herein.
Present embodiment CPU realizes circle by the safe handling storage unit be connected with standard IC-card baseband processing unit and deposits function and borrow or lend money and remember service data function (i.e. the function of IC-card POS).In other embodiments, CPU directly can connect an independently second safe handling storage unit, make to enclose to deposit function and borrow or lend money note service data function and realized with the second safe handling storage unit that CPU is directly connected by this, the benefit of the setting of the second safe handling storage unit does not need the original circuit of Standard modification IC-card.
In order to strengthen the security of aforesaid operations, described IC-card T1 comprises a keyboard 19 further, and described keyboard 19 is connected with described CPU 12 electricity.Adopt keyboard 19 can the input operation of the key message such as password, identifying code of bank card account number of completing user, and without the need to being completed the input of information by the keyboard of mobile phone, avoid input information on mobile phone stolen, thus IC-card is sent and the information that receives is all encryption.When IC-card T1 starts Bluetooth wireless communication function, after setting up the data link with mobile phone, CPU 12 and IC-card standard baseband processing unit 15 are started working, CPU 12 is by Bluetooth wireless communication unit 11 and mobile phone, comprising after exchanging secret key encryption by adopting transaction data encloses the request circle deposit data information of depositing the amount of money and is sent to bank service end, wherein, request circle deposit data information is adopt transaction data to exchange secret key encryption by safe handling storage unit 13 in advance, and this is comprised the request circle deposit data information that circle deposits the amount of money and is inputted by keyboard 19 in advance.Request circle deposit data information can comprise the password etc. that circle deposits the amount of money, bank card account number.Bank service end encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to CPU 12 and IC-card standard baseband processing unit 15; CPU 12 sends the confirmation circle deposit data information of the encryption received to safe handling storage unit 13 by IC-card standard baseband processing unit 15, safe handling storage unit 13 exchanges double secret key by transaction data and confirms that circle deposit data information is decrypted, user completes the information input operations such as identifying code as required by keyboard 19 simultaneously, thus the circle of specifying is deposited the amount of money from the stored value card account data region inside bank card account number importing safe handling storage unit 13.CPU 12 and IC-card standard baseband processing unit 15 are connected by internet with bank service end, mutual data message is all by encrypted packet transmission, and the key message such as the password of bank card account number, identifying code, authentication all completes input operation by the keyboard 19 of IC-card itself, thus avoid plain code bag to propagate, ensure that the security of process deposited by circle.Wherein, the safety certificate that transaction data exchange needs and key are stored in advance in the secure data storage area of this IC-card safe handling storage unit when sending out IC-card by financial institution or the third party service organization, for verifying the legitimacy of this IC-card, ensure the security of transaction.
As preferred embodiment, described keyboard 19 can also comprise a wake module, and described wake module can be a function key on keyboard 19.Described Bluetooth wireless communication unit 11 and CPU 12 flat time can be in dormant state, activate Bluetooth wireless communication unit 11 and CPU 12, with the amount of saving energy by wake module when data is to be transmitted.
In other embodiments, described IC-card T1 can also comprise a display unit 18, it can be such as ultrathin flexible LCDs, described display unit 18 is connected with described CPU 12, Presentation Function is provided, for showing the plain code information enclosing and deposit in process in real time, such as: the identifying code that the request circle deposit data information of user's input, the bank service end after CPU 12 deciphers send; Display unit 18 also can be used for the transaction record of display IC-card T1 and blocks interior balance amount information etc., facilitates user intuitively to obtain IC card information.
As preferred embodiment, described IC-card T1 can also comprise a minicell 17, and the flexible lithium battery of such as micro ultrathin, powers for giving Bluetooth wireless communication unit 11 and CPU 12.Due to Bluetooth wireless communication unit 11 and CPU 12 flat time be in dormant state, battery not power consumption; And in practical operation, it is less that the general access times of function deposited by the electronic cash circle of IC-card, so minicell 17 can provide enough battery durable abilities, and described minicell 17 also can connect with radio-frequency antenna further, comes for self charging to obtain energy from radio-frequency antenna.
With reference to accompanying drawing 2, of the present invention have the embodiment schematic diagram that the IC-card of debt-credit note business datum interface deposited by circle, described IC-card T1 is the special-shaped card that inside is provided with integrated chip and radio-frequency antenna, above the shell on the back being arranged on network terminal T2 by bonding method (on the rear battery cover of such as mobile phone), and by network terminal T2 and financial institution services end T3 interaction data information.In other embodiments, IC-card of the present invention can be an independently card form, sets up data link when needing to use by the mode of Bluetooth wireless communication and network terminal T2.Wherein, special-shaped card does not refer to the card of certain type, and popular says, irregularly in shape can be called special-shaped card, can encapsulate various chip, that is can have multiple difference in functionality in special-shaped card.
IC-card of the present invention can be packaged with the chip and cpu chip with function of Bluetooth communication by superposing in addition on the integrated chip of existing IC-card one, and function deposited by the electronic cash circle that namely can realize IC-card; IC-card of the present invention can also direct integrated chip and the cpu chip with function of Bluetooth communication in existing IC-card integrated chip.The present invention, without the need to making any change to the network terminal, only need install application software, enable this application software by the bluetooth password manually inputting this IC-card in the network terminal; Mutual by Bluetooth wireless communication link and described IC-card after this is application software initiated, can at any time for IC-card to be supplemented with money, realization is concluded the business whenever and wherever possible; And by the authenticate key of burned issuer services mechanism of dispatching from the factory to built-in encrypting module, financial institution services end and CPU and the mutual data message of IC-card standard baseband processing unit are by the form transmission of encrypted packet, thus avoid plain code bag to propagate, ensure that the security of process deposited by circle.
With reference to accompanying drawing 3, adopt and of the present invention there is the schematic flow sheet that IC-card that circle deposits debt-credit note business datum interface realizes enclosing the method for depositing.
Described IC-card realizes enclosing the method for depositing and comprises the following steps:
S31: the network terminal mating described Bluetooth wireless communication unit and embedded with bluetooth radio communication function.
When described Bluetooth wireless communication unit 11 is in opening, pairing can be completed by the Bluetooth wireless communication unit of the bluetooth password that pre-sets and network terminal T2, set up the data link of described IC-card T1 and network terminal T2; Described Bluetooth wireless communication unit 11 is by network terminal T2 and internet, receive the data message that described financial institution services end T3 sends, and the data message of described CPU 12 and IC-card standard baseband processing unit 15 is forwarded to financial institution services end T3, the data message completing described CPU 12 and IC-card standard baseband processing unit 15 and financial institution services end T3 is mutual.Described Bluetooth wireless communication unit 11 can adopt the bluetooth of 2.1 versions or 4.0 versions; Preferred employing 4.0 version, can reach the effect of more power saving.Wherein, the bluetooth password of IC-card can consign to user with IC-card.
S32: described CPU utilizes described Bluetooth wireless communication unit, is sent to described financial institution services end by the described network terminal by comprising the request circle deposit data information that circle deposits the amount of money.
When IC-card T1 starts Bluetooth wireless communication function, after setting up the data link with network terminal T2, CPU 12 and IC-card standard baseband processing unit 15 are started working, the request circle deposit data information comprising circle and deposit the amount of money, by Bluetooth wireless communication unit 11 and network terminal T2, is sent to described financial institution services end T3 by CPU 12; Described request circle deposit data information can comprise circle and deposit the amount of money, bank card password etc.
S33: described financial institution services end and described CPU carry out alternately, returns and confirms circle deposit data information.
Circle in request circle deposit data information is deposited the amount of money and is marked from bank card account number by described financial institution services end T3, backward CPU 12 and IC-card standard baseband processing unit 15 return and confirm circle deposit data information.
Described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit by S34: described CPU to be decrypted and to verify authentication, completes the circle that circle deposits the amount of money and deposits.
Circle deposit data information is sent to described safe handling storage unit 13 by IC-card standard baseband processing unit 15 by CPU 12, after safe handling storage unit 13 is decrypted circle deposit data information and verifies authentication, thus complete and the circle of specifying deposited the circle that the amount of money imports described safe handling storage unit 13 from bank card and deposit work.
Deposit the security of operating process to strengthen circle, described IC-card T1 comprises a keyboard 19 further, and described keyboard 19 is connected with described CPU 12 electricity.Adopt keyboard 19 can the input operation of the key message such as password, identifying code, authentication of bank card account number of completing user, and without the need to being completed the input of information by network terminal T2, thus IC-card is sent and the information that receives is all encryption.When IC-card T1 starts Bluetooth wireless communication function, after setting up the data link with network terminal T2, CPU 12 and IC-card standard baseband processing unit 15 are started working, CPU 12 is by Bluetooth wireless communication unit 11 and network terminal T2, comprising after exchanging secret key encryption by adopting transaction data encloses the request circle deposit data information of depositing the amount of money and is sent to bank service end, wherein, request circle deposit data information is adopt transaction data to exchange after secret key encryption by safe handling storage unit 13 in advance, this is comprised the request circle deposit data information that circle deposits the amount of money and is inputted by keyboard 19 in advance.Request circle deposit data information can comprise circle and deposit the amount of money, bank card password etc.Financial institution services end T3 encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to CPU 12 and IC-card standard baseband processing unit 15; CPU 12 sends the confirmation circle deposit data information of the encryption received to safe handling storage unit 13 by IC-card standard baseband processing unit 15, safe handling storage unit 13 exchanges double secret key by transaction data and confirms that circle deposit data information is decrypted, simultaneously user completes the input operation of the information such as authentication certificate of identifying code, user as required by keyboard 19, thus the circle of specifying is deposited the amount of money and import safe handling storage unit 13 from bank card.When CPU 12 and IC-card standard baseband processing unit 15 carry out in the mutual process of data message with financial institution services end T3, when the identifying code needing user to input to specify or other authorization informations, also input operation can be completed by keyboard 19.Like this, CPU 12 and IC-card standard baseband processing unit 15 are connected by internet with financial institution services end T3, mutual data message is all by encrypted packet transmission, and the key message such as the password of bank card account number, identifying code, authentication all completes input operation by the keyboard 19 of IC-card itself, thus avoid plain code bag to propagate, ensure that the security of process deposited by circle.
As preferred embodiment, described keyboard 19 can also comprise a wake module, and described wake module can be a function key on keyboard 19.Described Bluetooth wireless communication unit 11 and CPU 12 flat time can be in dormant state, activate Bluetooth wireless communication unit 11 and CPU 12, with the amount of saving energy by wake module when data is to be transmitted.Then taking a step forward of step S31 comprises step S30: user starts CPU 12 and described Bluetooth wireless communication unit 11 by described wake module.
In other embodiments, described IC-card T1 can also comprise a display unit 18, it can be such as ultrathin flexible LCDs, described display unit 18 is connected with described CPU 12, Presentation Function is provided, for showing the plain code information enclosing and deposit in process in real time, such as: the identifying code etc. that the request circle deposit data information of user's input, the financial institution services end T3 after deciphering send.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (3)
1. an IC-card realizes enclosing the method for depositing, adopt and there is the IC-card that debt-credit note business datum interface deposited by circle, described IC-card comprises IC-card standard baseband processing unit, Transmit Receive Unit and radio-frequency antenna, described IC-card standard baseband processing unit is connected with described Transmit Receive Unit further, described Transmit Receive Unit is connected with described radio-frequency antenna electricity further, for realizing the payment function of IC-card; Described IC-card also comprises Bluetooth wireless communication unit, CPU and safe handling storage unit; Described Bluetooth wireless communication unit is deposited debt-credit note business datum interface as circle and is communicated with the network terminal of an embedded with bluetooth radio communication function, sets up the data link of described IC-card and the described network terminal, mutual for completing data message; Described CPU is connected with described Bluetooth wireless communication unit, for the treatment of the data of described Bluetooth wireless communication unit transmitting-receiving, described CPU is connected with described safe handling storage unit further by IC-card standard baseband processing unit, and described CPU manages described safe handling storage unit by described IC-card standard baseband processing unit; Described safe handling storage unit is deposited and is borrowed or lent money note business datum and carries out encryption and decryption and checking authentication process according to financial IC card standard to circle, it is characterized in that, comprise the steps:
(1) network terminal of described Bluetooth wireless communication unit and embedded with bluetooth radio communication function is mated;
(2) described CPU utilizes described Bluetooth wireless communication unit, is sent to financial institution services end by the described network terminal by comprising the request circle deposit data information that circle deposits the amount of money;
(3) described financial institution services end and described CPU carry out alternately, return and confirm circle deposit data information;
(4) described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit and is decrypted and verifies authentication by described CPU, completes circle and deposits operation.
2. IC-card realizes enclosing the method for depositing according to claim 1, described IC-card comprises a keyboard further, described keyboard is connected with described CPU electricity, it is characterized in that: step (2) comprises further: described CPU utilizes described Bluetooth wireless communication unit, comprising after employing transaction data being exchanged secret key encryption by the described network terminal encloses the request circle deposit data information of depositing the amount of money and is sent to described financial institution services end, and described request circle deposit data information passes through input through keyboard in advance; Step (3) comprises further: described financial institution services end encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to described CPU; Step (4) comprises further: described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit by described CPU, described safe handling storage unit is exchanged described in double secret key by transaction data and confirms that circle deposit data information is decrypted, user completes the password of bank card account number, the input operation of authentication certificate by keyboard simultaneously, thus the circle of specifying is deposited amount of money importing safe handling storage unit.
3. IC-card realizes enclosing the method for depositing according to claim 2, described keyboard comprises one further for activating the wake module of described CPU and Bluetooth wireless communication unit, it is characterized in that, taking a step forward of step (1) comprises: user starts described CPU and Bluetooth wireless communication unit by described wake module.
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| CN103559757B (en) * | 2013-11-21 | 2015-12-09 | 武汉天喻信息产业股份有限公司 | A kind of aerial charging system of financial IC card and method |
| CN104200567A (en) * | 2014-08-18 | 2014-12-10 | 中国建设银行股份有限公司 | Bank receiving terminal and IC card receiving system and method |
| CN104318143A (en) * | 2014-11-13 | 2015-01-28 | 中国建设银行股份有限公司 | Financial IC (integrated circuit) card and password input method and device based on card |
| CN109146043A (en) * | 2018-09-06 | 2019-01-04 | 武汉市公用电子工程有限责任公司 | A kind of bluetooth communication equipment and the means of communication for simulating IC card |
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