CN103927661A - Bank card system with portable electronic device as carrier - Google Patents

Bank card system with portable electronic device as carrier Download PDF

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Publication number
CN103927661A
CN103927661A CN201410137248.2A CN201410137248A CN103927661A CN 103927661 A CN103927661 A CN 103927661A CN 201410137248 A CN201410137248 A CN 201410137248A CN 103927661 A CN103927661 A CN 103927661A
Authority
CN
China
Prior art keywords
bank
portable electric
electric appts
card
identity information
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201410137248.2A
Other languages
Chinese (zh)
Inventor
李恒扬
周淑绒
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
XI'AN LINGZHONG SOFTWARE TECHNOLOGY Co Ltd
Original Assignee
XI'AN LINGZHONG SOFTWARE TECHNOLOGY Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by XI'AN LINGZHONG SOFTWARE TECHNOLOGY Co Ltd filed Critical XI'AN LINGZHONG SOFTWARE TECHNOLOGY Co Ltd
Priority to CN201410137248.2A priority Critical patent/CN103927661A/en
Publication of CN103927661A publication Critical patent/CN103927661A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223Realising banking transactions through M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • G06Q20/38215Use of certificates or encrypted proofs of transaction rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

Abstract

A bank card system with a portable electronic device as a carrier comprises the portable electronic device, an identification information card, a bank server and a bank terminal. The portable electronic device is connected with a communication device, and the bank terminal is connected with an external communication device and a data file processing module. After the portable electronic device sends out a trade order, a data file of a bank card icon pre-established in the portable electronic device is provided for the external device on the bank terminal, the external device captures and sends the information of the data file to the bank terminal so that the data file can be processed, the identification information card is used for verifying the identity legality of a user, the account information is extracted when the user identity is legal, and accordingly the function that a real bank card is swiped through a reading device of the bank terminal so that the account information can be read is achieved, the trouble of carrying a plurality of real bank cards can be avoided, the user burden is relieved, and the bank card system has the advantages of being convenient to use and high in safety performance, and cost and social resources are saved.

Description

A kind of portable electric appts that adopts is the bank card system of carrier
Technical field
The invention belongs to Electronic Finance service system technical field, particularly a kind of portable electric appts that adopts is the bank card system of carrier.
Background technology
The arrival in financeization epoch, makes individual have increasing bank card, such as the credit card of Ge Jia bank, deposit card etc.Carrying of numerous bank cards, particularly bank card making up after losing etc. all brought inconvenience to people; Traditional information recordings such as bank card bank account, on the magnetic stripe of bank card, copy simply, easily cause the leakage of bank account information, poor stability; Bank card easily damages, bank card making up after losing in addition, and maintenance cost is very high.
And current portable electric appts intelligent portable electric appts extensively universal particularly, its good software processing power and subsidiary several data switching equipment on it provide good carrier for bank card.
Summary of the invention
In order to overcome above-mentioned the deficiencies in the prior art, the object of the invention is to propose a kind of portable electric appts that adopts is the bank card system of carrier, bank card is created on personal portable electronic equipment, can realize bank card in kind swipes the card and reads the function of accounts information on the fetch equipment of banking terminal, can avoid carrying the trouble of multiple bank cards in kind, alleviate burden for users, there is feature easy to use, safe, that save cost and social resources.
To achieve these goals, the technical solution used in the present invention is:
Adopting portable electric appts is a bank card system for carrier, comprises portable electric appts 101, identity information card 201, bank server 301, banking terminal 401 four modules; Portable electric appts 101 is connected with communication apparatus, and banking terminal 401 is connected with communication external equipment 402 and data documents disposal module 403.
Described portable electric appts 101 can create one or more different bank card, portable electric appts 101 is matched and is shaken hands by near-field communication device and communication external equipment 402, and portable electric appts 101 carries out the transmission of data by far field communication apparatus and bank server 301.
The communication modes that the communication apparatus connecting on described portable electric appts 101 carries out comprises near-field communication mode and far field communication modes, near-field communication mode comprises NFC, bluetooth, one or several in infrared, and far field communication modes comprises one or several in GPRS, 3G, 4G, wifi.
101 pairs of bank account informations of described portable electric appts are encrypted generated data file, and cryptographic algorithm comprises DES algorithm, SSL cryptographic algorithm, MD5.
Described identity information card 201 is a kind of special memory cards, be arranged on portable electric appts 101, for its identification, read, the memory block of data is divided into 2 regions: information protection district and common material district, information protection district records subscriber identity information: identification card number, officer's identity card number, passport No., and the unique identification code of identity information card 201, this region is one-time write characteristic; Common material district records the secret key of user's bank card, a unique corresponding subscriber identity information of identity information card 201.
Described bank server 301 is subscriber identity information and certificate data center, can generate certificate and the secret key of authentication.
The certificate content of described authentication comprises subscriber identity information, identity information card 201 unique identification codes and secret key content.
The cryptographic algorithm of described secret key comprises DES algorithm, SSL cryptographic algorithm, MD5.
Described data documents disposal module 403 adopts one or more in ADSL, optical fiber, wifi communication modes with the data transmission of bank server 301.
Because the present invention adopts portable electric appts, user's bank card is managed, user can create multiple bank cards, and bank card is based on portable electric appts, in the situation that user carries the portable electric appts that is equipped with native system, avoided carrying the trouble of multiple bank cards in kind, alleviate user's burden, for user offers convenience, also saved fabrication cost and social resources simultaneously; Native system is associated the state of the certificate status of authentication and bank account, when lose at user's portable electric appts, stolen etc. likely caused potential safety hazard, system is accepted user's request only needs the state of the certificate of authentication to close and can realize closing of bank account, user is as need continuation use bank card, only need on portable electric appts, re-create bank card, there is great convenience; Native system is encrypted and deciphers bank account information, and algorithms for encryption and decryption program can be upgraded at any time, has increased the difficulty that cracks bank account information, to forging the behavior of bank account information, has had good strick precaution; The extraction of native system to bank account information, must be through the certificate of authentication and the double verification of secret key, and certificate is on bank server, secret key is on specific identity information card, and this separated mode of preserving, has extremely strong security, in addition native system is to the read requests of secret key with read response, equal additional dynamic character strings, has avoided greatly in communication process the monitoring of data and has adopted the deception of false communication information to system, has guaranteed greatly the safety of user's fund.
Accompanying drawing explanation
Fig. 1 is prototype system framework map of the present invention.
Fig. 2 is system flowchart of the present invention.
Fig. 3 is that the present invention creates bank card program flow diagram.
Fig. 4 be the present invention while creating bank card bank select display interface.
Fig. 5 is the present invention's bank card information data input display interface while creating bank card.
Fig. 6 is the bank card display interface that the present invention has created.
Fig. 7 is data documents disposal process flow diagram of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention is described in further detail.
As shown in Figure 1 and Figure 2, a kind of portable electric appts that adopts is the bank card system of carrier, comprises portable electric appts 101, identity information card 201, bank server 301, banking terminal 401 four modules; Portable electric appts 101 is connected with communication apparatus, and banking terminal 401 is connected with communication external equipment 402 and data documents disposal module 403.
Described portable electric appts 101 can create one or more different bank card, portable electric appts 101 is matched and is shaken hands by near-field communication device and communication external equipment 402, thereby realize the transmission of data, portable electric appts 101 carries out the transmission of data by far field communication apparatus and bank server 301, bank account information is encrypted to generated data file, and is additional on the bank card icon that creates generation.
The communication modes that the communication apparatus connecting on described portable electric appts 101 carries out comprises near-field communication mode and far field communication modes, near-field communication mode comprises NFC, bluetooth, one or several in infrared, and far field communication modes comprises one or several in GPRS, 3G, 4G, wifi.
101 pairs of bank account informations of described portable electric appts are encrypted generated data file, and cryptographic algorithm comprises DES algorithm, SSL cryptographic algorithm, MD5.
Described identity information card 201 is a kind of special memory cards, be arranged on portable electric appts 101, for its identification, read, the memory block of data is divided into 2 regions: information protection district and common material district, information protection district records subscriber identity information: identification card number, officer's identity card number, passport No., and the unique identification code of identity information card 201, this region is one-time write characteristic; Common material district records the secret key of user's bank card, a unique corresponding subscriber identity information of identity information card 201.
Described bank server 301 is subscriber identity information and certificate data center, when portable electric appts 101 creates bank card, bank card user identity to user's input is verified, and can generate certificate and the secret key of authentication, the certificate of authentication is kept on bank server 301, secret key is encrypted and is sent to portable electric appts 101, by portable electric appts 101, the secret key of encryption is kept on identity information card 201.The certificate of described authentication, content comprises subscriber identity information, identity information card 201 unique identification codes and secret key content.The cryptographic algorithm of described secret key comprises DES algorithm, SSL cryptographic algorithm, MD5.
Described data documents disposal module 403 adopts one or more in ADSL, optical fiber, wifi communication modes with the data transmission of bank server 301.
As shown in Figure 3, bank card establishing stage, on portable electric appts 101, can create a plurality of different bank cards, after portable electric appts 101 sends the information that creates bank card, user need to select bank, then need to input some substances of bank card, as the certificate information of opening an account, card number, CVV code, the term of validity, as Fig. 4, shown in Fig. 5, system is by the contents such as bank card of user's input, the server 301 of submitting to bank carries out authentication, in the situation that subscriber authentication is legal, the certificate of 101 pairs of bank servers of portable electric appts 301 authentication above and identity information card 201 secret key are above carried out the checking of state, if certificate and secret key state normal (while increasing a bank card on new equipment), 101 pairs of bank account informations of portable electric appts are encrypted generated data file, and by data file and bank's picture binding, thereby set up a bank card, if certificate and secret key state undesired when reconstruction for the first time (after creating for the first time bank card or certificate and closing), bank server 301 generates certificate and the secret key of authentication, certificate leaves bank server 301 in, secret key writes on identity information card 201 by portable electric appts 101 through encrypting, then 101 pairs of bank account informations of portable electric appts are encrypted generated data file, and by data data file and bank's picture binding, thereby set up a bank card, as shown in Figure 6.
Secret key writing on identity information card 201, refer to when creating bank card, user inputs bank account information, as subscriber identity information, card number, CVV code, the term of validity, while producing the certificate of authentications and secret key by bank server 301 after bank server 301 carries out authentication, secret key content passes to portable electric appts 101 after bank server 301 is encrypted, the identity information of inputting when portable electric appts 101 reads the subscriber identity information in identity information Ka201 information protection district and creates bank card is compared, if consistent, the secret key of encrypting is written to the common material district of identity information card 201.
Secret key reading on identity information card 201, refer at bank account information and extract the stage, data documents disposal module 403 is decrypted data file, the algorithm of decipherment algorithm when encrypting is corresponding, in accounts information after deciphering, extract subscriber identity information, the certificate that sends to 301 couples of users' of bank server authentication carries out the checking of state, if certificate status is normal, data documents disposal module 403 dynamically generates a character string, the instruction of secret key will be read simultaneously, subscriber identity information on the certificate of authentication and identity information card 201 unique identification code packaging cipherings send to portable electric appts 101, 101 pairs of contents that receive of portable electric appts are decrypted, first the identity information card 201 unique identification codes that extract on identity information card 201 unique identification codes and portable electric appts 101 are compared, if consistent, identity information card 201 is legal identity release, otherwise is false identity information card, the in the situation that of legal identity release, portable electric appts 101 extracts subscriber identity information again and goes to compare with identity information card 201 subscriber identity information above, if identity is consistent, secret key file is legitimate files, portable electric appts 101 reads this secret key and the subsidiary dynamic character string receiving sends to data documents disposal module 403, data documents disposal module 403 checking dynamic character strings, to guarantee that actual response rather than duplicity reply, thereby the secret key content of actual response is decrypted and obtains secret key content, if identity comparison is inconsistent, secret key file is illegal file, will not read.
The transfer stages of data file transmission and secret key, when portable electric appts 101 sends trading instruction, by being additional to data file on bank card icon, offering portable electric appts 101 and carry out the transmission of data from the communication apparatus having, the external equipment 402 of received data file sends after receiving instruction data file is received in data documents disposal module 403, and the data file data receiving is passed to data documents disposal module 403 processes, data documents disposal module 403 dynamically generates a character string in the normal situation of certificate status of identity verification checking, the instruction of secret key will be read simultaneously, subscriber identity information on the certificate of authentication and identity information card 201 unique identification code packaging cipherings send to portable electric appts 101, portable electric appts 101 receives packet from the communication apparatus having, and according to the packet content receiving, the legitimacy of identity information card 201 and user identity is verified, in the situation that the two checking is all legal, portable electric appts 101 reads the secret key of encryption from identity information card 201, and the subsidiary dynamic character string receiving sends to external equipment 402 to receive.The transmission of above-mentioned data,, after the external equipment 402 of opening received data file at portable electric appts 101 from the communication apparatus having as NFC, bluetooth, any one and banking terminal in infrared carries out the pairing of communication apparatus and shakes hands, to realize the transmission of data file and the transmission of secret key.
As shown in Figure 7, bank account information extracts the stage, data documents disposal module 403 is decrypted data file, the algorithm of decipherment algorithm when encrypting is corresponding, in accounts information after deciphering, extract subscriber identity information, and send to the checking of state that bank server 301 carries out the certificate of authentication, if certificate status is normal, the secret key that reads secret key and certificate from identity information card 201 is carried out consistency desired result and is confirmed that whether user identity is legal, validated user if, from accounts information file, extract accounts information to banking terminal 401, to carry out follow-up transaction operation, if portable electric appts 101 is lost, stolen or the bank card on it is likely caused to potential safety hazard, system is accepted user's request, the certificate of authentication is carried out to shutoff operation, certificate is closed condition, return to illegal invalidation request, stop current transaction request, thereby realize closing of bank card account.
Prototype system framework of the present invention as shown in Figure 1, being created in bank card on portable electric appts 101 passes to external equipment 402 by data file data and receives and processed by data documents disposal module 403, the certificate that data documents disposal module 403 is extracted authentication is delivered to bank server 301 and is carried out state verification, simultaneously from identity information card 201, obtain secret key and carry out user identity validity checking, thereby make user's operation of concluding the business.

Claims (9)

  1. One kind to adopt portable electric appts be the bank card system of carrier, comprise portable electric appts 101, identity information card 201, bank server 301, banking terminal 401 four modules, it is characterized in that, portable electric appts 101 is connected with communication apparatus, and banking terminal 401 is connected with communication external equipment 402 and data documents disposal module 403.
  2. 2. a kind of portable electric appts that adopts according to claim 1 is the bank card system of carrier, it is characterized in that, described portable electric appts 101 can create one or more different bank card, portable electric appts 101 is matched and is shaken hands by near-field communication device and communication external equipment 402, and portable electric appts 101 carries out the transmission of data by far field communication apparatus and bank server 301.
  3. 3. a kind of portable electric appts that adopts according to claim 1 is the bank card system of carrier, it is characterized in that, the communication modes that the communication apparatus connecting on described portable electric appts 101 carries out comprises near-field communication mode and far field communication modes, near-field communication mode comprises NFC, bluetooth, one or several in infrared, and far field communication modes comprises one or several in GPRS, 3G, 4G, wifi.
  4. 4. a kind of portable electric appts that adopts according to claim 1 is the bank card system of carrier, it is characterized in that, 101 pairs of bank account informations of described portable electric appts are encrypted generated data file, and cryptographic algorithm comprises DES algorithm, SSL cryptographic algorithm, MD5.
  5. 5. a kind of portable electric appts that adopts according to claim 1 is the bank card system of carrier, it is characterized in that, described identity information card 201 is a kind of special memory cards, be arranged on portable electric appts 101, for its identification, read, the memory block of data is divided into 2 regions: information protection district and common material district, information protection district records subscriber identity information: identification card number, officer's identity card number, passport No., and the unique identification code of identity information card 201, this region is one-time write characteristic; Common material district records the secret key of user's bank card, a unique corresponding subscriber identity information of identity information card 201.
  6. 6. a kind of portable electric appts that adopts according to claim 1 is the bank card system of carrier, it is characterized in that, described bank server 301 is subscriber identity information and certificate data center, can generate certificate and the secret key of authentication.
  7. 7. a kind of portable electric appts that adopts according to claim 6 is the bank card system of carrier, it is characterized in that, the certificate content of described authentication comprises subscriber identity information, identity information card 201 unique identification codes and secret key content.
  8. 8. a kind of portable electric appts that adopts according to claim 6 is the bank card system of carrier, it is characterized in that, the cryptographic algorithm of described secret key comprises DES algorithm, SSL cryptographic algorithm, MD5.
  9. 9. a kind of portable electric appts that adopts according to claim 1 is the bank card system of carrier, it is characterized in that, described data documents disposal module 403 adopts one or more in ADSL, optical fiber, wifi communication modes with the data transmission of bank server 301.
CN201410137248.2A 2014-04-08 2014-04-08 Bank card system with portable electronic device as carrier Pending CN103927661A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201410137248.2A CN103927661A (en) 2014-04-08 2014-04-08 Bank card system with portable electronic device as carrier

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201410137248.2A CN103927661A (en) 2014-04-08 2014-04-08 Bank card system with portable electronic device as carrier

Publications (1)

Publication Number Publication Date
CN103927661A true CN103927661A (en) 2014-07-16

Family

ID=51145875

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201410137248.2A Pending CN103927661A (en) 2014-04-08 2014-04-08 Bank card system with portable electronic device as carrier

Country Status (1)

Country Link
CN (1) CN103927661A (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104899496A (en) * 2014-09-26 2015-09-09 腾讯科技(深圳)有限公司 Data reading method and terminal for same
CN106650358A (en) * 2016-12-30 2017-05-10 顺丰科技有限公司 Mixed identity information collecting and verifying method and system

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104899496A (en) * 2014-09-26 2015-09-09 腾讯科技(深圳)有限公司 Data reading method and terminal for same
CN104899496B (en) * 2014-09-26 2020-01-31 腾讯科技(深圳)有限公司 data reading method and terminal thereof
CN106650358A (en) * 2016-12-30 2017-05-10 顺丰科技有限公司 Mixed identity information collecting and verifying method and system

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Application publication date: 20140716

RJ01 Rejection of invention patent application after publication