CN104102934B - A kind of portable IC card read-write equipment, system and method - Google Patents
A kind of portable IC card read-write equipment, system and method Download PDFInfo
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- CN104102934B CN104102934B CN201410325450.8A CN201410325450A CN104102934B CN 104102934 B CN104102934 B CN 104102934B CN 201410325450 A CN201410325450 A CN 201410325450A CN 104102934 B CN104102934 B CN 104102934B
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Abstract
A kind of portable IC card read-write equipment, system and method, the portable IC card read-write equipment include：Main control chip, smart card reader, memory element, encryption/decryption element, conversion unit of protocol, audio interface plug and display screen；Smart card reader gathers card image from IC-card, card image is transferred to main control chip, and carries out script write back operations to IC-card；Memory element storage device numbering, device certificate, communication key and transaction key；Encryption/decryption element carries out Encrypt and Decrypt to the data of the transmission between portable IC card read-write equipment and intelligent terminal using communication key；Audio interface plug connects portable IC card read-write equipment and intelligent terminal；Audio signal is changed into and be transferred to after data main control chip by conversion unit of protocol, and data are converted into after audio signal are transferred to intelligent terminal；Main control chip reads device certificate, device numbering and transaction key, and coordinates smart card reader, memory element, encryption/decryption element and display screen action.
Description
Technical field
The present invention be with regard to IC-card read and write technical field, especially with regard to a kind of portable IC card read-write equipment, system and
Method.
Background technology
Intelligent terminal is the general designation for being loaded with the mobile devices such as the mobile phone and panel computer of intelligent operating system.From being based on
The mobile phone of IOS is sold greatly, is emerged in large numbers to the smart mobile phone and flat board for carrying Android operation system like the mushrooms after rain,
Smart mobile phone till now based on Windows Phone8 and the panel computer based on Windwos8, intelligent terminal market is just
Step presents the general layout in IOS, Android and tri- points of world of Microsoft WindowsPhone.These intelligent terminal have carrying side
Just, network function is powerful, it is possible to installs all kinds of APP application programs according to user preferences, meets the different demands of user.
The magnetic stripe card brushing card device based on intelligent terminal has been occurred in that at present, in the environment for not disposing POS terminal,
User can directly pass through the magnetic stripe card brushing card device bankcard consumption, very convenient.
But, as intelligent terminal is operated in open network environment, while user can voluntarily install various applications.
Wooden horse, illegal software for the purpose of stealing user profile, data for mobile phone operating system also continues to bring out out, user's
There is the risk being stolen in Transaction Information, accounts information, transaction key.Hacker can distort transaction, it might even be possible to control user
Mobile phone, forges transaction, steals user's fund.
The content of the invention
The present invention provides a kind of portable IC card read-write equipment, system and method, easily to carry out transaction of swiping the card, while
The risk that reduction is swiped the card in process of exchange.
To achieve these goals, the embodiment of the present invention provides a kind of portable IC card read-write equipment, and described is portable
IC-card read-write equipment includes：Main control chip, smart card reader, memory element, encryption/decryption element, conversion unit of protocol, audio frequency
Interface plug and display screen；Described smart card reader, memory element, encryption/decryption element and display screen are respectively by internal electricity
The described main control chip of road connection；The described encryption/decryption element of described conversion unit of protocol connection, and by described audio frequency
Interface plug connects intelligent terminal；
Described card image, for card image is gathered from IC-card, is transferred to institute by described smart card reader
The main control chip stated, and script write back operations are carried out to the IC-card；
Described memory element, for storage device numbering, device certificate, communication key and transaction key；
Described encryption/decryption element, for using the communication key to the portable IC card read-write equipment and the intelligence
The data of the transmission of energy terminal room carry out Encrypt and Decrypt；
Described audio interface plug, for connecting the portable IC card read-write equipment and the intelligent terminal；
Described conversion unit of protocol, for the audio signal received by the audio interface plug is changed into data
Described main control chip is transferred to afterwards, and the data that the main control chip sends are converted into after audio signal by the audio frequency
Interface plug is transferred to the intelligent terminal；
Described display screen, includes card number, dealing money, proceeds to the Transaction Information of account and transfer amounts for showing；
Described main control chip, for device certificate, device numbering and transaction key are read from the memory element, and
Coordinate the smart card reader, memory element, encryption/decryption element and display screen action.
In one embodiment, described portable IC card read-write equipment also includes：Control button, includes validating that key and cancellation
Key, for confirming transaction or Cancelling Transaction.
In one embodiment, described portable IC card read-write equipment also includes：Relay indicating light, for show it is described just
The working condition of Formulas I C card read-write equipment is taken, described working condition includes Card Reader, writes card and wait.
In one embodiment, described portable IC card read-write equipment also includes：Power supply, for for described portable IC
Card read-write equipment is powered.
To achieve these goals, the embodiment of the present invention additionally provides a kind of portable IC card read-write system, and its feature exists
In described portable IC card read-write system includes：Portable IC card read-write equipment, intelligent terminal and banking system, it is described
Intelligent terminal passes through mobile cellular network or Internet network is connected with described banking system；Described portable IC card
Read-write equipment includes：
Main control chip, smart card reader, memory element, encryption/decryption element, conversion unit of protocol, audio interface plug and
Display screen；Described smart card reader, memory element, encryption/decryption element and display screen are described by internal circuit connection respectively
Main control chip；The described encryption/decryption element of described conversion unit of protocol connection, and connected by described audio interface plug
Meet described intelligent terminal；
Described card image, for card image is gathered from IC-card, is transferred to institute by described smart card reader
The main control chip stated, and script write back operations are carried out to the IC-card；
Described memory element, for storage device numbering, device certificate, communication key and transaction key；
Described encryption/decryption element, for using the communication key to the portable IC card read-write equipment and the intelligence
The data of the transmission of energy terminal room carry out Encrypt and Decrypt；
Described audio interface plug, for connecting the portable IC card read-write equipment and the intelligent terminal；
Described conversion unit of protocol, for the audio signal received by the audio interface plug is changed into data
Described main control chip is transferred to afterwards, and the data that the main control chip sends are converted into after audio signal by the audio frequency
Interface plug is transferred to described intelligent terminal；
Described display screen, includes card number, dealing money, proceeds to the Transaction Information of account and transfer amounts for showing.
In one embodiment, described portable IC card read-write equipment also includes：Control button, includes validating that key and cancellation
Key, for confirming transaction or Cancelling Transaction.
In one embodiment, described portable IC card read-write equipment also includes：Relay indicating light, for show it is described just
The working condition of Formulas I C card read-write equipment is taken, described working condition includes Card Reader, writes card and wait.
In one embodiment, described portable IC card read-write equipment also includes：Power supply, for for described portable IC
Card read-write equipment is powered.
To achieve these goals, the embodiment of the present invention additionally provides a kind of portable IC card reading/writing method, is applied to
The portable IC card read-write system stated, it is characterised in that described portable IC card reading/writing method includes：
Access request is sent to described IC-card read-write equipment by described audio interface plug；
The device certificate and device numbering of the IC-card read-write equipment feedback are received by described audio interface plug；
Described device certificate and device numbering are sent to described banking system to be verified, and receive the bank
The check results that system is returned；
If the check results are legal, user is pointed out to insert or IC-card near described smart card reader；
The card image that the smart card reader is read from the IC-card is received by described audio interface plug；
The authentication secret of receiving user's input, and described card image and authentication secret are sent to into the banking system
Verified；
Receive the check results of the banking system feedback, if the check results are correct, the friendship that user is selected
Easily information is sent to described IC-card read-write equipment by the audio interface plug；
The transaction key and transaction letter of the IC-card read-write equipment feedback are received by described audio interface plug
Breath, and the transaction key and the Transaction Information are sent to into described banking system；
The trading processing object information of the banking system feedback is received, and is judged according to the trading processing object information
Whether transaction is successful；
If it is, successful information machine write-back foot is sent to the IC-card read-write equipment by described audio interface plug
This, so that described IC-card read-write equipment carries out script write back operations.
To achieve these goals, the embodiment of the present invention additionally provides a kind of portable IC card reading/writing method, is applied to
The portable IC card read-write system stated, described portable IC card reading/writing method include：
Receive the access request that the intelligent terminal initiates；
The device certificate and device numbering of storage are read according to described access request, and by the device certificate and equipment
Numbering is sent to described intelligent terminal by described audio interface plug after being converted to audio signal；
The card image of insertion or the IC-card near the smart card reader is read, and the card image is passed through into institute
The audio interface plug stated is sent to described intelligent terminal；
After the Transaction Information that the intelligent terminal sends is received, locally stored transaction key is read, and by the friendship
Transaction key after easy information and encryption is sent to described intelligent terminal；
The write-back script that the intelligent terminal sends is received, perform script write back operations generate script back result feedback
To the intelligent terminal.
The beneficial effect of the embodiment of the present invention is, instant invention overcomes current POS terminal is larger and to lay region limited
The shortcoming of system, also overcoming Web bank, Mobile banking, telephone bank etc. needs the shortcoming of registration, while overcoming existing skill
In art if card have the shortcomings that increase also need to repetition go cabinet face addition after unrestrictedly could use, it is possible to achieve at any time with
Ground, the function being traded (such as consume, transfer accounts, cancelling, returning goods) using IC-card, and wind present in effective control transaction
Danger, has great convenience for the user.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
Accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without having to pay creative labor, may be used also
To obtain other accompanying drawings according to these accompanying drawings.
Structural representations of the Fig. 1 for the portable IC card read-write equipment of the embodiment of the present invention；
Portable IC card read-write system schematic diagrams of the Fig. 2 for the embodiment of the present invention；
Portable IC card reading/writing method flow charts of the Fig. 3 for one embodiment of the invention；
Portable IC card reading/writing method flow charts of the Fig. 4 for another embodiment of the present invention；
Portable IC card reading/writing method flow charts of the Fig. 5 for further embodiment of this invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
As shown in figure 1, the embodiment of the present invention provides a kind of portable IC card read-write equipment, described portable IC card read-write
Device includes：Main control chip 101, smart card reader 102, memory element 103, encryption/decryption element 104, conversion unit of protocol
105th, audio interface plug 106 and display screen 107.
Smart card reader 102, memory element 103, encryption/decryption element 104 and display screen 107 pass through internal circuit respectively
Connection main control chip 101.Conversion unit of protocol 105 connects encryption/decryption element 104, and connects intelligence by audio interface plug 106
Can terminal 111.Intelligent terminal 111 can be the portable terminal product such as mobile phone, panel computer, wherein be provided with bank issue,
The APP application programs of certification, to interact with client.
Main control chip 101 can be MCU processors, can be received from smart card reader 102, be deposited by internal circuit
The information of the modules such as storage unit 103, encryption/decryption element 104 and conversion unit of protocol 105, and life is issued to above-mentioned modules
Order, coordinates the work between modules.Main control chip 101 can read device certificate, device numbering from memory element 103
And transaction key.
Smart card reader 102 can be used for card image is gathered from IC-card, and the card image for collecting is transmitted
Subsequent treatment is carried out to main control chip 101.Smart card reader 102 can also receive intelligent terminal 111 transmission write back foot
After this, script write back operations are carried out to IC-card.
Smart card reader 102 can adopt IC-card read head or non-contact IC card read head, the Card Type of read-write wrap
Include IC-card, rfid card etc..The data being stored in contact smart IC chip (IC-card) can be read by IC-card read head；Pass through
In non-contact IC card read head, the radio frequency of aerial radiation can read the data that contactless smart IC chip (IC-card) is blocked.Together
When, after smart card reader 102 receives the writing commands and data of main control chip 101, write operation can also be carried out to IC-card.
Memory element 103 can be used for storage device numbering, device certificate and two group keys.The APP programs of intelligent terminal
The device numbering and device certificate in memory element 103 is obtained, intelligent terminal 111 passes through network and department of banking using device certificate
Two-way SSL links are stood in construction in a systematic way, and such as device certificate is not present or device certificate is illegal, then banking system refuses its access.It is two-way
After the completion of SSL links are set up, in follow-up transaction, it is both needed to check the device numbering sent on intelligent terminal 111, if equipment is compiled
Number illegal (do not exist, state is abnormal such as freeze to report the loss), then refuse continuous business.In one embodiment, two group key
Respectively communication key and transaction key.
Encryption/decryption element 104 is used for communication key between portable IC card read-write equipment and the intelligent terminal
The data of transmission carry out Encrypt and Decrypt.AES can using the symmetry algorithm such as DES, 3DES, using transaction key to Jing just
Take the transaction data after Formulas I C card read-write equipment confirms to be encrypted, AES can adopt asymmetric arithmetic.In an embodiment
In, transaction key ciphering process can also use the signature authentication algorithm based on digital certificate to substitute.
It should be noted that the request and response between intelligent terminal 111 and portable IC card read-write equipment is required for making
Encrypted with communication key, encryption and decryption is responsible for by encryption/decryption element 104.
Audio interface plug 106 connects portable IC card read-write equipment and intelligent terminal 111, for realizing portable IC card
Data between read-write equipment and intelligent terminal are mutually transmitted, and audio interface plug 106 is properly termed as the passage of data transfer.
Conversion unit of protocol 105 can be used for for the audio signal received by audio interface plug 106 changing into data
After be transferred to main control chip 101, and the data that main control chip 101 sends be converted into after audio signal pass through audio interface plug
106 are transferred to intelligent terminal 111.
When confirmation is traded, display screen 107 can show transaction key message, including card number, dealing money, proceed to
Account, transfer amounts etc., read for user and confirm.
In one embodiment, portable IC card read-write equipment also includes：Control button 108, is led by internal circuit connection
Control chip 101, control button 108 include validating that key and cancel key, for confirming transaction or Cancelling Transaction.Perform in user and disappear
When the operation such as taking, transfer accounts, cancelling, returning goods, need to press acknowledgement key and confirm transaction, or press cancel key and Cancel Transaction.Control
Button 108 is physical button, and which is using the generation that can effectively avoid forgery transaction.
In one embodiment, portable IC card read-write equipment also includes：Relay indicating light 109, is connected by internal circuit
Main control chip 101, relay indicating light 109 show the working condition of portable IC card read-write equipment, and working condition can include reading
Block, write card and wait etc..
In one embodiment, portable IC card read-write equipment also includes：Power supply 110, power supply 110 are read and write for portable IC card
Device is powered, and power supply 110 can adopt the lithium battery of changeable type.
The portable IC card read-write equipment of the present invention is written and read operation to chip card (IC-card), with existing magnetic stripe card phase
Than chip card has the advantages that transaction security, is difficult to be cloned, and can greatly protect bank client fund security.Meanwhile, IC
Card has the advantages of information storage is big, and extensibility is strong, and many banks row has all issued IC-card at present, and IC-card is bank
The direction of card development and trend.
The portable IC card read-write equipment connection intelligent terminal of the present invention, after intelligent terminal's connection banking system, Yong Huke
To be traded, IC-card is written and read, it is larger and lay the conditional shortcoming in region to overcome current POS terminal, also overcomes
Web bank, Mobile banking, telephone bank etc. need the shortcoming of registration, while if card has increase in overcoming prior art
Also need to the shortcoming that unrestrictedly could be used after the addition of cabinet face is gone in repetition, it is possible to achieve be traded using IC-card whenever and wherever possible
The function of (such as consume, transfer accounts, cancelling, returning goods), and risk present in effective control transaction, have great convenience for the user.
As shown in Fig. 2 the embodiment of the present invention provides a kind of portable IC card read-write system, the portable IC card read-write system
Including：Intelligent terminal 1, portable IC card read-write equipment 3 and banking system 2, intelligent terminal 1 pass through mobile cellular network or
Internet network is connected with banking system 2.
Intelligent terminal 1 can be the portable terminal products such as mobile phone, panel computer, wherein being provided with bank's issue, certification
APP application programs, interact with client.Banking system 2 provides bank finance service for client.
Portable IC card read-write equipment 3 is connected with intelligent terminal 1, there is provided reading to information in 4 chip of IC-card and write
Enter.As shown in figure 1, portable IC card read-write equipment includes：Main control chip 101, smart card reader 102, memory element 103,
Encryption/decryption element 104, conversion unit of protocol 105, audio interface plug 106 and display screen 107.
Smart card reader 102, memory element 103, encryption/decryption element 104 and display screen 107 pass through internal circuit respectively
Connection main control chip 101.Conversion unit of protocol 105 connects encryption/decryption element 104, and connects intelligence by audio interface plug 106
Can terminal 111.
Main control chip 101 can be MCU processors, receive single from smart card reader 102, storage by internal circuit
The information of the module such as unit 103, encryption/decryption element 104 and conversion unit of protocol 105, issues to above-mentioned modules and orders, and coordinates
Work between modules.Main control chip 101 can read device certificate, device numbering and transaction from memory element 103
Key.
Smart card reader 102 can be used for card image is gathered from IC-card, and the card image for collecting is transmitted
Subsequent treatment is carried out to main control chip 101.Smart card reader 102 can also receive intelligent terminal 111 transmission write back foot
After this, script write back operations are carried out to IC-card.
Smart card reader 102 can adopt IC-card read head or non-contact IC card read head, the Card Type of read-write wrap
Include IC-card, rfid card etc..The data being stored in contact smart IC chip (IC-card) can be read by IC-card read head；Pass through
In non-contact IC card read head, the radio frequency of aerial radiation can read the data that contactless smart IC chip (IC-card) is blocked.Together
When, after smart card reader 102 receives the writing commands and data of main control chip 101, write operation can be carried out to IC-card.
Memory element 103 can be used for storage device numbering, device certificate and two group keys.The APP programs of intelligent terminal
The device numbering and device certificate in memory element 103 is obtained, intelligent terminal 111 passes through network and department of banking using device certificate
Two-way SSL links are stood in construction in a systematic way, and such as device certificate is not present or device certificate is illegal, then banking system refuses its access；Link
After the completion of foundation, in subsequent transaction, it is both needed to check the device numbering sent on intelligent terminal 111, if device numbering is illegal
(do not exist, state is abnormal such as freeze to report the loss), then refusal transaction.In one embodiment, two group keys respectively communicate close
Key and transaction key.
Encryption/decryption element 104 is used for communication key between portable IC card read-write equipment and the intelligent terminal
The data of transmission carry out Encrypt and Decrypt.AES can using the symmetry algorithm such as DES, 3DES, using transaction key to Jing just
Take the transaction data after Formulas I C card read-write equipment confirms to be encrypted, AES can adopt asymmetric arithmetic.In an embodiment
In, transaction key ciphering process can also use the signature authentication algorithm based on digital certificate to substitute.
It should be noted that the request and response between intelligent terminal 111 and portable IC card read-write equipment is required for making
Encrypted with communication key, encryption and decryption is responsible for by encryption/decryption element 104.
Audio interface plug 106 connects portable IC card read-write equipment and intelligent terminal 111, for realizing portable IC card
Data between read-write equipment and intelligent terminal are mutually transmitted, and audio interface plug 106 is properly termed as the passage of data transfer.
Conversion unit of protocol 105 can be used for for the audio signal received by audio interface plug 106 changing into data
After be transferred to main control chip 101, and the data that main control chip 101 sends be converted into after audio signal pass through audio interface plug
106 are transferred to intelligent terminal 111.
When confirmation is traded, display screen 107 can show transaction key message, including card number, dealing money, proceed to
Account, transfer amounts etc., read for user and confirm.
In one embodiment, portable IC card read-write equipment also includes：Control button 108, is led by internal circuit connection
Control chip 101, control button 108 include validating that key and cancel key, for confirming transaction or Cancelling Transaction.Perform in user and disappear
When the operation such as taking, transfer accounts, cancelling, returning goods, need to press acknowledgement key and confirm transaction, or press cancel key and Cancel Transaction.Control
Button 108 is physical button, and which is using the generation that can effectively avoid forgery transaction.
In one embodiment, portable IC card read-write equipment also includes：Relay indicating light 109, is connected by internal circuit
Main control chip 101, relay indicating light 109 show the working condition of the portable IC card read-write equipment, and working condition can be wrapped
Include Card Reader, write card and wait etc..
In one embodiment, portable IC card read-write equipment also includes：Power supply 110, power supply 110 are read and write for portable IC card
Device is powered, and power supply 110 can adopt the lithium battery of changeable type.
The present invention portable IC card read-write system, transactional operation can be provided the user, overcome current POS terminal compared with
Big and lay the conditional shortcoming in region, also overcoming Web bank, Mobile banking, telephone bank etc. needs the shortcoming of registration,
If card has the shortcomings that increase also needs to unrestrictedly to use after the addition of cabinet face is gone in repetition simultaneously in overcoming prior art,
Can realize whenever and wherever possible, the function being traded (such as consume, transfer accounts, cancelling, returning goods) using IC-card, and effective control is handed over
Risk present in easily, has great convenience for the user.
As shown in figure 3, the embodiment of the present invention provides a kind of portable IC card reading/writing method, the portable IC card reading/writing method
The portable IC card read-write system shown in Fig. 1 and Fig. 2 is can apply to, the portable IC card reading/writing method includes：
Step 301：Access request is sent to IC-card read-write equipment by audio interface plug 106；
Step 302：The device certificate and device numbering of IC-card read-write equipment feedback are received by audio interface plug 106；
Step 303：Device certificate and device numbering are sent to described banking system to be verified, and receive the silver
The check results that row system is returned；
Step 304：If the check results are legal, point out user that IC-card is inserted or read near described chip card
Card device；
Step 305：Receive what the smart card reader was read from the IC-card by described audio interface plug
Card image；
Step 306：The authentication secret of receiving user's input, and described card image and authentication secret are sent to described
Banking system is verified；
Step 307：The check results of the banking system feedback are received, if the check results are correct, by user
The Transaction Information of selection is sent to described IC-card read-write equipment by the audio interface plug；
Step 308：Transaction key and the institute of the IC-card read-write equipment feedback are received by described audio interface plug
Transaction Information is stated, and the transaction key and the Transaction Information are sent to into described banking system；
Step 309：The trading processing object information of the banking system feedback is received, and according to the trading processing result
Information judges whether transaction is successful；
Step 310：If it is, successful information machine is sent to the IC-card read-write equipment by described audio interface plug
Write-back script, so that described IC-card read-write equipment carries out script write back operations.
In portable IC card reading/writing method shown in Fig. 3, executive agent is intelligent terminal, intelligent terminal can for mobile phone,
The portable terminal product such as panel computer, wherein being provided with bank's issue, the APP application programs of certification, is interacted with client.
In the flow process shown in Fig. 3, intelligent terminal enters row information with IC-card read-write equipment and banking system and exchanges, and obtains IC
The device certificate and device numbering of card, the banking system of transmission are verified, and are read the card image of IC-card and be traded behaviour
Make, it is larger and lay the conditional shortcoming in region to overcome current POS terminal, also overcomes Web bank, Mobile banking, phone
Bank etc. needs the shortcoming of registration, while if after card has increase to also need to repeat to go the addition of cabinet face in overcoming prior art
The shortcoming that unrestrictedly could be used, it is possible to achieve whenever and wherever possible, is traded using IC-card and (such as consumes, transfers accounts, cancelling, returning goods
Deng) function, and effective control transaction present in risk, have great convenience for the user.
When being embodied as, in step 303, if the check results obtained after banking system verification are legal, step is just carried out
304, otherwise terminate accepting for transaction.
When being embodied as, in step 306, user is input into key by intelligent terminal, and intelligent terminal is by card image, user
The key of input submits to banking system to process, and banking system carries out card image, status poll and judgement, and checking user input is close
The correctness of key.
If the key of user input is correct, in step 307, intelligent terminal can represent interface of main menu；Such as user is defeated
The key for entering is incorrect, shows information to user.
When being embodied as, in step 308, intelligent terminal for reception encryption data bag, the encryption data bag is by transaction is believed
Breath packing is simultaneously encrypted using transaction key and is obtained, and encryption data bag is audio signal, and audio signal is reduced by intelligent terminal
Afterwards, it is submitted directly to banking system.
As shown in figure 4, the embodiment of the present invention provides a kind of portable IC card reading/writing method, the portable IC card reading/writing method
Portable IC card read-write system shown in Fig. 1 and Fig. 2, the portable IC card reading/writing method include：
Step 401：Receive the access request that the intelligent terminal initiates；
Step 402：The device certificate and device numbering of storage are read according to described access request, and the equipment is demonstrate,proved
Book and device numbering are sent to described intelligent terminal by described audio interface plug after being converted to audio signal；
Step 403：The card image of insertion or the IC-card near the smart card reader is read, and the card is believed
Cease and described intelligent terminal is sent to by described audio interface plug；
Step 404：After the Transaction Information that the intelligent terminal sends is received, locally stored transaction key is read, and
Transaction key after the Transaction Information and encryption is sent to into described intelligent terminal；
Step 405：The write-back script that the intelligent terminal sends is received, perform script write back operations generate script write-back
As a result feed back to the intelligent terminal.
In portable IC card reading/writing method shown in Fig. 4, executive agent is the portable IC card read-write equipment shown in Fig. 1.
Flow process as shown in Figure 4 understands that portable IC card read-write equipment receives the access that the intelligent terminal initiates first
Request, reads device certificate and device numbering according to described access request, intelligent terminal is sent to after format transformation；Then read
Described intelligent terminal is sent to after the card image for taking IC-card；After the Transaction Information that the intelligent terminal sends is received, read
Locally stored transaction key is taken, the transaction key after Transaction Information and encryption is sent to into intelligent terminal；Finally receive described
The write-back script that intelligent terminal sends, perform script write back operations generate script back result and feed back to the intelligent terminal.Should
It is larger and lay the conditional shortcoming in region that method overcomes current POS terminal, also overcomes Web bank, Mobile banking, electricity
Words bank etc. needs the shortcoming of registration, while going to cabinet face to add if card has increase to also need to repetition in overcoming prior art
The shortcoming that unrestrictedly could be used afterwards, it is possible to achieve whenever and wherever possible, is traded using IC-card and (such as consumes, transfers accounts, cancelling, moving back
Goods etc.) function, and effective control transaction present in risk, have great convenience for the user.
When being embodied as, in step 401 and step 402, after intelligent terminal initiates access request, portable IC card read-write
Device receives the access request by audio interface plug, and Jing conversion unit of protocol 105 is sent to main control chip 101, main control chip
101 read device certificate and equipment unique number from memory element 103 according to the request, such as compile without device certificate or equipment
Number, then terminate acceptance procedure；If any, main control chip 101 by 105 change data lattice of certificate and number information Jing conversion unit of protocol
After formula is audio signal, intelligent terminal is sent to by audio interface plug.Intelligent terminal for reception is needed sound to after audio signal
Frequency signals revivification, is then submitted to banking system by network and is verified.If banking system certificate of inspection and device numbering
It is legal, then carry out next step；As one of which is illegal, then terminate acceptance procedure.Wherein, intelligent terminal and portable IC card
Request and response between read-write equipment is all encrypted using communication key, in portable IC card read-write equipment, by encryption and decryption list
Unit 104 is responsible for encryption and decryption.
In step 403, smart card reader 102 reads card image, and Jing main control chips 101 are transmitted to encryption/decryption element
104, after being encrypted using communication key, being sent to conversion unit of protocol 105 carries out format transformation, is then transferred to intelligence by audio port
Can terminal.
In step 404, main control chip 101 reads transaction key from memory element 103, and encryption/decryption element 104 will transaction
Information package is simultaneously encrypted using transaction key, and encryption data bag is returned to intelligent terminal subsequently.
The portable IC card read-write equipment of the present invention (is issued) by issued by banks, and, when getting, bank is to this for user
Device built-in device certificate, Unique Device numbering, initial correspondence key and transaction key, are related at banking system in process of exchange
During reason, need calibration equipment certificate and device numbering, only when both of which exist and it is legal when, transaction can just proceed.
During transaction, linked using two-way SSL between intelligent terminal and banking system, be aided with message encryption, it is ensured that process of exchange
The information of transmission is not stolen and distorts.User, need to be from the display on portable IC card read-write equipment when dynamic account operation is performed
Screen confirms Transaction Information, and is confirmed by the physical button on portable IC card read-write equipment；Portable IC card read-write dress
Put and the transaction data after confirmation is encrypted, banking system is directly uploaded to by intelligent terminal, be prevented effectively from forgery transaction
With distort transaction.
In order that those skilled in the art is better understood from the present invention, example is saved as with electronic cash circle below and is said
It is bright, as shown in figure 5, the embodiment of the present invention provides a kind of portable IC card reading/writing method, including：
Step 500：The audio interface plug 106 of portable IC card read-write equipment is connected with intelligent terminal, and is opened
The APP application programs that bank issues.
Step 501：Intelligent terminal initiates access request first, and Jing conversion unit of protocol 105 is sent to main control chip 101, main
Control chip 101 reads device certificate and device numbering (device numbering is unique) from memory element 103, such as without device certificate
Or device numbering, then terminate acceptance procedure；If any, main control chip 101 by device certificate and number information Jing conversion unit of protocol
After 105 change data forms are audio signal, intelligent terminal is sent to by audio interface.Audio signal is reduced by intelligent terminal
Afterwards, the information after reduction is submitted to banking system by network to be verified.If banking system is checked device certificate and is set
Standby numbering is legal, then carry out next step；As device certificate and device numbering it is therein one it is illegal, then terminate accepted
Journey.Needs are to illustrate, the request and response between intelligent terminal and portable IC card read-write equipment all uses communication key
Encryption, in portable IC card read-write equipment, is responsible for encryption and decryption by encryption/decryption element 104.
Step 502：After being verified, intelligent terminal point out user by IC-card insert deck (smart card reader 102) or
By non-contact IC card near deck.
Step 503：Contact Type Ic Card insertion (or contactless entrance IC-card is close) portable IC card read-write is filled by user
The smart card reader 102 put；
Step 304：Smart card reader 102 reads card image, is then transmitted to card image Jing main control chip 101
Encryption/decryption element 104, after card image is encrypted using communication key by encryption/decryption element 104, is sent to conversion unit of protocol 105 and enters
Row format transformation, is then transferred to intelligent terminal by audio port.
Step 505：Bank APP application programs on intelligent terminal receive the card image for returning, and point out user input close
Key.
Step 506：User is input into key by intelligent terminal, and the key of card image, user input is carried by intelligent terminal
Hand over banking system to be processed, banking system carries out card image, status poll and judgement, verify the correct of user input key
Property.
Step 507：If key is correct, intelligent terminal represents interface of main menu；As key is incorrect, show prompting mistake
Information is to user.
Step 508：User selects electronic cash circle to deposit operation by intelligent terminal, and input circle deposits amount of money etc., and input is completed
Afterwards, above Transaction Information is transferred to portable IC card read-write equipment by intelligent terminal.
Step 509：After portable IC card read-write equipment receives Transaction Information, shown by display screen 107, user reads
The information of the display of display screen 107 is taken, after confirmation is errorless, the ACK button in portable IC card read-write equipment is pressed.
Step 510：Main control chip 101 reads transaction key from memory element 103, and encryption/decryption element 104 is by above-mentioned friendship
Easy information package is simultaneously encrypted using transaction key, and encryption data bag is returned to intelligent terminal then.
Step 511：The above-mentioned encryption data bag of intelligent terminal for reception, the encryption data bag are audio signal, need reduction
For data, banking system is then forwarded to.
Step 512：Banking system receives encryption data bag, according to the device numbering of portable IC card read-write equipment, profit
It is decrypted with corresponding key, generates Transaction Information, after verification, carry out main frame accounting processing, detains customer account.
Step 513：Banking system returns button account result, and such as button account success then carries out flow process 514；Account failure is such as detained, is then opened up
Show error message to user.
Step 514：Successful information is sent to portable IC card read-write equipment button account by audio port on intelligent terminal and is returned
Write script；The smart card reader 202 of portable IC card read-write equipment carries out the script write back operations of IC-card according to write back information.
Step 515：Portable IC card read-write equipment returns script back result to intelligent terminal, and intelligent terminal is according to script
Back result judges whether write-back is successful, such as write-back success, then point out customer transaction success；Prompting is given if write-back failure
Information, pointing out user contact bank carries out subsequent treatment.
Instant invention overcomes current POS terminal is larger and lays the conditional shortcoming in region, Web bank, handss are also overcomed
Machine bank, telephone bank etc. need the shortcoming of registration, while if card has increase to also need to repeat in overcoming prior art
The shortcoming that unrestrictedly could be used after going the addition of cabinet face, it is possible to achieve whenever and wherever possible, is traded (as consumed, turning using IC-card
Account, revocation, return of goods etc.) function, and effective control transaction present in risk, have great convenience for the user.
Those skilled in the art are it should be appreciated that embodiments of the invention can be provided as method, system or computer program
Product.Therefore, the present invention can adopt complete hardware embodiment, complete software embodiment or with reference to the reality in terms of software and hardware
Apply the form of example.And, the present invention can be using the computer for wherein including computer usable program code at one or more
The computer program implemented in usable storage medium (including but not limited to disk memory, CD-ROM, optical memory etc.) is produced
The form of product.
The present invention be with reference to method according to embodiments of the present invention, equipment (system), and computer program flow process
Figure and/or block diagram are describing.It should be understood that can be by computer program instructions flowchart and/or each stream in block diagram
The combination of journey and/or square frame and flow chart and/or flow process and/or square frame in block diagram.These computer programs can be provided
The processor of general purpose computer, special-purpose computer, Embedded Processor or other programmable data processing devices is instructed to produce
A raw machine so that produced for reality by the instruction of computer or the computing device of other programmable data processing devices
The device of the function of specifying in present one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or multiple square frames.
These computer program instructions may be alternatively stored in and can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that the instruction being stored in the computer-readable memory is produced to be included referring to
Make the manufacture of device, the command device realize in one flow process of flow chart or one square frame of multiple flow processs and/or block diagram or
The function of specifying in multiple square frames.
These computer program instructions can be also loaded in computer or other programmable data processing devices so that in meter
Series of operation steps is performed on calculation machine or other programmable devices to produce computer implemented process, so as in computer or
The instruction performed on other programmable devices is provided for realizing in one flow process of flow chart or multiple flow processs and/or block diagram one
The step of function of specifying in individual square frame or multiple square frames.
Apply specific embodiment to be set forth the principle and embodiment of the present invention in the present invention, above example
Explanation be only intended to help and understand the method for the present invention and its core concept；Simultaneously for one of ordinary skill in the art,
According to the thought of the present invention, will change in specific embodiments and applications, in sum, in this specification
Appearance should not be construed as limiting the invention.
Claims (2)
1. a kind of portable IC card reading/writing method, is applied to a portable IC card read-write system, it is characterised in that the portable IC
Card read-write system includes：
Portable IC card read-write equipment, intelligent terminal and banking system, described intelligent terminal pass through mobile cellular network or
Internet network is connected with described banking system；Described portable IC card read-write equipment includes：
Main control chip, smart card reader, memory element, encryption/decryption element, conversion unit of protocol, audio interface plug and display
Screen；Described smart card reader, memory element, encryption/decryption element and display screen are respectively by master that internal circuit connection is described
Control chip；The described encryption/decryption element of described conversion unit of protocol connection, and institute is connected by described audio interface plug
The intelligent terminal for stating；
Described smart card reader, for card image is gathered from IC-card, described card image is transferred to described
Main control chip, and script write back operations are carried out to the IC-card；
Described memory element, for storage device numbering, device certificate, communication key and transaction key；
Described encryption/decryption element, for whole with the intelligence to the portable IC card read-write equipment using the communication key
The data of the transmission between end carry out Encrypt and Decrypt；
Described audio interface plug, connects the portable IC card read-write equipment and the intelligent terminal, described for realizing
Data transfer between portable IC card read-write equipment and the intelligent terminal；
Described conversion unit of protocol, pass after data for the audio signal received by the audio interface plug is changed into
Described main control chip is defeated by, and the data that the main control chip sends are converted into after audio signal by the audio interface
Plug is transferred to described intelligent terminal；
Described display screen, includes card number, dealing money, proceeds to the Transaction Information of account and transfer amounts for showing；
Described portable IC card reading/writing method includes：
Access request is sent to described IC-card read-write equipment by described audio interface plug；
The device certificate and device numbering of the IC-card read-write equipment feedback are received by described audio interface plug；
Described device certificate and device numbering are sent to described banking system to be verified, and receive the banking system
The check results of return；
If the check results are legal, user is pointed out to insert or IC-card near described smart card reader；
The card image that the smart card reader is read from the IC-card is received by described audio interface plug；
The authentication secret of receiving user's input, and described card image and authentication secret are sent to into the banking system carry out
Verification；
The check results of the banking system feedback are received, if the check results are correct, the transaction letter that user is selected
Cease and described IC-card read-write equipment is sent to by the audio interface plug；
The transaction key and the Transaction Information of the IC-card read-write equipment feedback are received by described audio interface plug, and
The transaction key and the Transaction Information are sent to into described banking system；
The trading processing object information of the banking system feedback is received, and judges to conclude the business according to the trading processing object information
It is whether successful；
If it is, successful information machine write-back script is sent to the IC-card read-write equipment by described audio interface plug, with
Described IC-card read-write equipment is made to carry out script write back operations.
2. a kind of portable IC card reading/writing method, is applied to a portable IC card read-write system, it is characterised in that the portable IC
Card read-write system includes：
Portable IC card read-write equipment, intelligent terminal and banking system, described intelligent terminal pass through mobile cellular network or
Internet network is connected with described banking system；Described portable IC card read-write equipment includes：
Main control chip, smart card reader, memory element, encryption/decryption element, conversion unit of protocol, audio interface plug and display
Screen；Described smart card reader, memory element, encryption/decryption element and display screen are respectively by master that internal circuit connection is described
Control chip；The described encryption/decryption element of described conversion unit of protocol connection, and institute is connected by described audio interface plug
The intelligent terminal for stating；
Described smart card reader, for card image is gathered from IC-card, described card image is transferred to described
Main control chip, and script write back operations are carried out to the IC-card；
Described memory element, for storage device numbering, device certificate, communication key and transaction key；
Described encryption/decryption element, for whole with the intelligence to the portable IC card read-write equipment using the communication key
The data of the transmission between end carry out Encrypt and Decrypt；
Described audio interface plug, connects the portable IC card read-write equipment and the intelligent terminal, described for realizing
Data transfer between portable IC card read-write equipment and the intelligent terminal；
Described conversion unit of protocol, pass after data for the audio signal received by the audio interface plug is changed into
Described main control chip is defeated by, and the data that the main control chip sends are converted into after audio signal by the audio interface
Plug is transferred to described intelligent terminal；
Described display screen, includes card number, dealing money, proceeds to the Transaction Information of account and transfer amounts for showing
Described portable IC card reading/writing method includes：
Receive the access request that the intelligent terminal initiates；
The device certificate and device numbering of storage are read according to described access request, and by the device certificate and device numbering
Described intelligent terminal is sent to by described audio interface plug after being converted to audio signal；
The card image of insertion or the IC-card near the smart card reader is read, and by the card image by described
Audio interface plug is sent to described intelligent terminal；
After the Transaction Information that the intelligent terminal sends is received, locally stored transaction key is read, and the transaction is believed
Transaction key after breath and encryption is sent to described intelligent terminal；
The write-back script that the intelligent terminal sends is received, perform script write back operations generate script back result and feed back to institute
State intelligent terminal.
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| CN201410325450.8A CN104102934B (en) | 2014-07-09 | 2014-07-09 | A kind of portable IC card read-write equipment, system and method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410325450.8A CN104102934B (en) | 2014-07-09 | 2014-07-09 | A kind of portable IC card read-write equipment, system and method |
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| CN104102934A CN104102934A (en) | 2014-10-15 |
| CN104102934B true CN104102934B (en) | 2017-04-05 |
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Families Citing this family (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104484635A (en) * | 2014-12-25 | 2015-04-01 | 东信和平科技股份有限公司 | Portable IC (integrated circuit) card operation system and method based on mobile terminal |
| CN105654629A (en) * | 2015-12-28 | 2016-06-08 | 天津市通卡公用网络系统有限公司 | IC card auto-recharging method |
| CN107704778B (en) * | 2017-10-28 | 2024-02-06 | 深圳市鹏力凯科技有限公司 | Low-power-consumption card reading and writing device and implementation method thereof |
| CN110119946B (en) * | 2018-02-05 | 2022-12-13 | 库币科技有限公司 | Pairing authentication method for electronic transaction device |
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| CN202486808U (en) * | 2012-03-20 | 2012-10-10 | 成都华唯科技有限责任公司 | Health card reader-writer system |
| CN102867366A (en) * | 2012-09-19 | 2013-01-09 | 中国工商银行股份有限公司 | Portable bank card data processing device, system and method |
| CN203366457U (en) * | 2013-07-18 | 2013-12-25 | 深圳市文鼎创数据科技有限公司 | A multifunctional financial terminal |
| CN203480606U (en) * | 2013-09-16 | 2014-03-12 | 深圳市卡联科技有限公司 | Small fee desk-type POS machine by TCP/IP communication |
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| CN202486808U (en) * | 2012-03-20 | 2012-10-10 | 成都华唯科技有限责任公司 | Health card reader-writer system |
| CN102867366A (en) * | 2012-09-19 | 2013-01-09 | 中国工商银行股份有限公司 | Portable bank card data processing device, system and method |
| CN203366457U (en) * | 2013-07-18 | 2013-12-25 | 深圳市文鼎创数据科技有限公司 | A multifunctional financial terminal |
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