CN105447548A - Bank card and dynamic password transmission method - Google Patents
Bank card and dynamic password transmission method Download PDFInfo
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- CN105447548A CN105447548A CN201410441643.XA CN201410441643A CN105447548A CN 105447548 A CN105447548 A CN 105447548A CN 201410441643 A CN201410441643 A CN 201410441643A CN 105447548 A CN105447548 A CN 105447548A
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Abstract
The invention relates to a bank card and a dynamic password transmission method. The bank card comprises a processor, a memory, a display device, a buzzer device, keys and a circuit board. The circuit board is connected to the processor, the memory, the display device, the buzzer device and the keys. The keys are used for transmitting key information to the processor. The processor is used for generating a dynamic password based on the key information, transmitting to the display device, acquiring a first sound signal corresponding to the dynamic password from the memory, and transmitting to the buzzer device. The display device is used for displaying the dynamic password. The buzzer device is used for decoding and playing the first sound signal. From the above, the bank card in the embodiment of the invention is simple in user operation and good in user experience; can be used for the blind or illiterate people to listen to the dynamic password through the buzzer device; and can also be used for users to listen to the dynamic password through the buzzer device in a poor light.
Description
Technical field
The present invention relates to field of information security technology, particularly relate to bank card and dynamic password sending method.
Background technology
Current, along with the develop rapidly of science and technology, the usable range of bank card constantly expands, and in order to avoid the cash in banks of user is stolen, usually will carry out access authentication to bank card, and after certification is passed through, user could use bank card to carry out operations such as withdrawing the money.Authentication method has two kinds usually, the first authentication method, takes the mode of " card number+static password ", because static password is changeless, provides the chance stealing individual subscriber deposit to lawless person; The second authentication method, takes the mode of " card number+static password+dynamic password ", because dynamic password repetition rate is very low, achieves the dynamic log of one-time pad, improves the security of bank card access.
In prior art, when adopting above-mentioned the second authentication method to carry out access authentication to bank card, usual elder generation produces dynamic password by certificate server, and according to the phone number that user reserves, dynamic password is sent to user, after user receives dynamic password by mobile phone, input this dynamic password by mobile phone or other-end equipment again, by Internet Transmission to certificate server, by certificate server, access authentication is carried out to bank card.
Therefore, in prior art user to obtain the process of dynamic password more loaded down with trivial details, Consumer's Experience is not good, and, when user be blind person or illiterate people time cannot obtain dynamic password.
Summary of the invention
The invention provides a kind of bank card and dynamic password sending method, object is that to obtain the process of dynamic password more loaded down with trivial details in order to solve user in prior art, Consumer's Experience is not good, and, when user be blind person or illiterate people time cannot obtain the problem of dynamic password.
For achieving the above object, first aspect, the invention provides a kind of bank card, and this bank card comprises: processor, storer, display device, buzzing device, button and circuit board; Described circuit board connects described processor, described storer, described display device, described buzzing device and described button respectively; Described button, for sending key information to described processor; Described processor, generates dynamic password for the key information according to described button, sends to described display device, and from described storer, obtain the first sound tone signal corresponding to described dynamic password, send to described buzzing device; Described display device, for showing described dynamic password; Described buzzing device, for playing described first sound tone signal decoding.
Second aspect, the invention provides a kind of dynamic password sending method, the method comprises: obtain key information; Generate dynamic password according to described key information, show described dynamic password; Obtain the first sound tone signal corresponding to described dynamic password, described first sound tone signal decoding is play.
In the bank card of the embodiment of the present invention, not only comprise processor, storer, display device, button and circuit board, also comprise buzzing device, wherein, circuit board is connection handling device respectively, storer, display device, buzzing device and button, user just can send key information to processor by operation push-button, processor generates dynamic password according to key information, send to display device, dynamic password is shown by display device, and the first sound tone signal obtained from storer corresponding to dynamic password, send to buzzing device, by buzzing device, the decoding of first sound tone signal is play.Therefore, bank card in the application of the invention embodiment, the button that user only need operate on bank card just can obtain dynamic password, simple to operate, Consumer's Experience is good, and, this bank card not only has display device and also has buzzing device, user can watch dynamic password by display device, also buzzing device uppick dynamic password can be passed through, therefore when user be blind person or illiterate people time, although dynamic password cannot be watched by display device, but can buzzing device uppick dynamic password be passed through, in addition, when light is not good, user also can pass through buzzing device uppick dynamic password.
Accompanying drawing explanation
Fig. 1 is the bank card inner structure schematic diagram in one embodiment of the invention;
Fig. 2 is the bank card schematic appearance in one embodiment of the invention;
Fig. 3 is the dynamic password sending method process flow diagram in one embodiment of the invention;
Fig. 4 is the dynamic password sending method process flow diagram in another embodiment of the present invention.
Embodiment
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
The bank card that the embodiment of the present invention provides can generate dynamic password at any time according to user's request, and by the display device on bank card, this dynamic password user can be shown to, by the buzzing device on bank card, this dynamic password user can also be played to.
Fig. 1 is the bank card inner structure schematic diagram in one embodiment of the invention.This bank card comprises: processor 101, storer 102, display device 103, buzzing device 104, button 105 and circuit board 106; Described circuit board 106 connects described processor 101, described storer 102, described display device 103, described buzzing device 104 and described button 105 respectively;
Wherein, described button 105, for sending key information to described processor 101;
Described processor 101, generates dynamic password for the key information according to described button 105, sends to described display device 103, and obtain the first sound tone signal corresponding to described dynamic password from described storer 102, send to described buzzing device 104;
Described display device 103, for showing described dynamic password;
Described buzzing device 104, for playing described first sound tone signal decoding.
Wherein, foregoing circuit plate 106 is specifically as follows flexible printed circuit board (FPCB, FlexiblePrintedCircuitBoard), FPCB is a kind of printed circuit board (PCB) with figure utilizing flexible parent metal to make, be made up of insulating substrate and conductive layer, cementing agent can be had between insulating substrate and conductive layer, due to it has can continuous automatic production, distribution density is high, lightweight, volume is little, distribution mistake is few, pliability and elasticity can change the characteristic such as shape, and the bank card in the embodiment of the present invention therefore can be made to have lighter weight.
Aforementioned display device part 103 is specifically as follows liquid crystal display (LCD, LiquidCrystalDisplay), can be used for showing numeral, and described display device 103 specifically can show described dynamic password by the mode of numerical monitor.
In the embodiment of the present invention, the binary message that some can need be fed back to LCD by processor 101 is converted into the information that buzzing device 104 can uniquely identify, then carries out playback process by buzzing device 104.
In the embodiment of the present invention, storer 102 can prestore multinomial audio files, such as, prerecord the audio files that 0 to 9 each numeral is corresponding, the audio files of 0 correspondence is Y0, the audio files of 1 correspondence is Y1, by that analogy, the audio files of 9 correspondences is Y9, if the dynamic password that processor 101 generates is 3784, then from storer 102, choose audio files Y3, Y7, Y8, Y4 according to this dynamic password, audio files Y3, Y7, Y8, Y4 to be carried out after merging treatment, as first sound tone signal, sending to described buzzing device 104.In addition, report in order to described buzzing device 104 can carry out numeral by country variant language, storer 102 can also prestore the audio files of multinomial country variant language, such as, storer 102 stores Chinese and the macaronic audio files of English, described processor 101 is given tacit consent to Chinese and is reported, when described processor 101 get English that user sent by button 105 report indication information time, described processor 101 is switched to English report and carries out respective handling.
In addition, described processor 101 can generate dynamic password based on any one cryptographic algorithm, particularly, can generate ordered series of numbers combination based on the Time dynamic factor, intercepts the numeral of ordered series of numbers combination middle finger location number as dynamic password.
Preferably, described bank card also comprises battery 107, for powering for described processor 101, described storer 102, described display device 103, described buzzing device 104, described button 105 and described circuit board 106.
In the embodiment of the present invention, bank card can not provide backlight function, when the light is dusky, although user's None-identified goes out the dynamic password shown by display device 103, can hear the voice signal that described buzzing device 104 is play, thus obtains dynamic password.
Preferably, described processor 101 is also for being encrypted the first sound tone signal after obtaining encryption to described first sound tone signal;
Described buzzing device 104 is specifically for playing the first sound tone signal decoding after described encryption.
Wherein, can have multiple to the method that described first sound tone signal is encrypted, such as, according to predetermined way, frequency modulation process is carried out to described first sound tone signal, or adopt the cipher processing method of ultrasound wave code, to make people's ear cannot first sound tone signal after the encryption of playing of buzzing device 104 described in Direct Recognition, by receiving trap, process is decrypted to the first sound tone signal after encryption, restore first sound tone signal, obtain dynamic password according to first sound tone signal and be used for carrying out certification to bank card.By being encrypted first sound tone signal, user not only can be allowed can to obtain dynamic password when the light is dusky, and avoid the voice signal that other people hear that described buzzing device 104 plays and obtain dynamic password.
Preferably, described processor 101 also for transfer from described storer 102 according to the key information of described button 105 the domestic-investment golden number order of card, card in integrated value, holder hold grade or need refund the date, and generate the grade voice signal or need date voice signal of refunding of holding of integrated value voice signal in the domestic-investment golden number order voice signal of corresponding card, card, holder, send to described buzzing device 104;
Described buzzing device 104 also for by domestic-investment for described card golden number order voice signal, card in integrated value voice signal, holder the grade voice signal that holds, need refund the date voice signal decoding play.
Therefore, when some in bank card can information extraction need to feed back time, can be play by the buzzing device 104 in bank card, feed back to user by the form of sound.
Preferably, described button 105 comprises: first kind button and Second Type button;
Described first kind button, for sending digital keys information to described processor 101;
Described Second Type button, for sending trigger key information to described processor 101.
Wherein, bank card can be arranged several first kind buttons, for sending the digital keys information of 0 to 9 to described processor 101, the number of above-mentioned first kind button can be selected as required, such as, bank card can be arranged 10 first kind buttons, be used for sending respectively the digital keys information of 0 to 9; Or, bank card also only can arrange 1 first kind button, be used for the digital keys information of transmission 0 to 9, when can set user's first time operation push-button, send the digital keys information of 0, during user's second time operation push-button, send the digital keys information of 1, by that analogy, do not repeat at this.
Bank card can be arranged several Second Type buttons, for sending trigger key information to described processor 101, after described processor 101 obtains trigger key information, corresponding processing procedure is started according to trigger key information, such as, generate dynamic password, send to described display device 103, and the first sound tone signal obtained from described storer 102 corresponding to described dynamic password, send to described buzzing device 104.In the embodiment of the present invention, the number of above-mentioned Second Type button can be selected as required, particularly, can be one, also can be multiple.
From the concrete inner structure of above-mentioned bank card, in the bank card of the embodiment of the present invention, not only comprise processor 101, storer 102, display device 103, button 105 and circuit board 106, also comprise buzzing device 104, wherein, circuit board 106 is connection handling device 101 respectively, storer 102, display device 103, buzzing device 104 and button 105, user just can send key information to processor 101 by operation push-button 105, processor 101 generates dynamic password according to key information, send to display device 103, dynamic password is shown by display device 103, and the first sound tone signal obtained from storer 102 corresponding to dynamic password, send to buzzing device 104, by buzzing device 104, the decoding of first sound tone signal is play.Therefore, bank card in the application of the invention embodiment, the button 105 that user only need operate on bank card just can obtain dynamic password, simple to operate, Consumer's Experience is good, and, this bank card not only has display device 103 and also has buzzing device 104, user can watch dynamic password by display device 103, also buzzing device 104 uppick dynamic password can be passed through, therefore when user be blind person or illiterate people time, although dynamic password cannot be watched by display device 103, but can buzzing device 104 uppick dynamic password be passed through, in addition, when light is not good, user also can pass through buzzing device 104 uppick dynamic password.
Fig. 2 is the bank card schematic appearance in one embodiment of the invention.The surface of this bank card can be seen: card body 201, LCD202, loudspeaker 203 and button 204, wherein, each ingredient of bank card inside is encapsulated in card body 201, LCD202 can be used in display dynamic password or bank card that other can information extraction, loudspeaker 203 to can be used for playing in dynamic password or bank card other can information extraction, button 204 comprises first kind button and Second Type button, first kind button, digital keys information is sent for the processor to bank card inside, Second Type button, for sending trigger key information to processor.
Fig. 3 is the dynamic password sending method process flow diagram in one embodiment of the invention, and the executive agent of the method can be the processor of bank card inside, and the method comprises:
Step 301, obtains key information.
Wherein, the button that bank card is arranged can comprise the button of two types, first kind button and Second Type button, first kind button, digital keys information is sent, Second Type button, for sending trigger key information to processor for the processor to bank card inside.
Above-mentioned acquisition key information comprises the digital keys information obtaining first kind button and the trigger key information obtaining Second Type button.
Step 302, generates dynamic password according to key information.
Wherein, dynamic password can be generated according to the trigger key information of the Second Type button obtained by the processor of bank card inside, particularly, ordered series of numbers combination can be generated based on the Time dynamic factor, intercept the numeral of ordered series of numbers combination middle finger location number as dynamic password.
Step 303, display dynamic password.
In the embodiment of the present invention, the dynamic password that can be generated by the display device step display 302 on bank card.
Step 304, obtains the first sound tone signal corresponding to dynamic password.
Wherein, the dynamic password that can generate according to step 302, obtains the first sound tone signal corresponding to this dynamic password from storer.
Step 305, plays the decoding of first sound tone signal.
The first sound tone signal decoding that specifically step 304 can be obtained by the buzzing device on bank card is play.
Fig. 4 is the dynamic password sending method process flow diagram in another embodiment of the present invention, and the executive agent of the method can be the processor of bank card inside, and the method comprises:
Step 401, obtains key information.
Wherein, the button that bank card is arranged can comprise the button of two types, first kind button and Second Type button, first kind button, digital keys information is sent, Second Type button, for sending trigger key information to processor for the processor to bank card inside.
Above-mentioned acquisition key information comprises the digital keys information obtaining first kind button and the trigger key information obtaining Second Type button.
Step 402, generates dynamic password according to key information.
Wherein, dynamic password can be generated according to the trigger key information of the Second Type button obtained by the processor of bank card inside, particularly, ordered series of numbers combination can be generated based on the Time dynamic factor, intercept the numeral of ordered series of numbers combination middle finger location number as dynamic password.
Step 403, display dynamic password.
In the embodiment of the present invention, the dynamic password that can be generated by the display device step display 302 on bank card.
Step 404, obtains the first sound tone signal corresponding to dynamic password.
Wherein, the dynamic password that can generate according to step 302, obtains the first sound tone signal corresponding to this dynamic password from storer.
Step 405, is encrypted the first sound tone signal after obtaining encryption to described first sound tone signal.
Step 406, plays the first sound tone signal decoding after encryption.
Preferably, the method can also comprise: the grade or need the date of refunding of holding transferring integrated value in the domestic-investment golden number order of card, card, holder according to key information, and generates the grade voice signal or need date voice signal of refunding of holding of integrated value voice signal in the domestic-investment golden number order voice signal of corresponding card, card, holder; By the grade voice signal that holds of integrated value voice signal, holder in domestic-investment for described card golden number order voice signal, card, need date voice signal decoding broadcasting of refunding.
In conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, generally describe composition and the step of each example in the above description according to function.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not thought and exceeds scope of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
Claims (8)
1. a bank card, is characterized in that, described bank card comprises: processor, storer, display device, buzzing device, button and circuit board; Described circuit board connects described processor, described storer, described display device, described buzzing device and described button respectively;
Described button, for sending key information to described processor;
Described processor, generates dynamic password for the key information according to described button, sends to described display device, and from described storer, obtain the first sound tone signal corresponding to described dynamic password, send to described buzzing device;
Described display device, for showing described dynamic password;
Described buzzing device, for playing described first sound tone signal decoding.
2. bank card as claimed in claim 1, it is characterized in that, described bank card also comprises battery, for powering for described processor, described storer, described display device, described buzzing device, described button and described circuit board.
3. bank card as claimed in claim 1, is characterized in that:
Described processor is also for being encrypted the first sound tone signal after obtaining encryption to described first sound tone signal;
Described buzzing device is specifically for playing the first sound tone signal decoding after described encryption.
4. bank card as claimed in claim 1, is characterized in that:
Described processor also for transfer from described storer according to the key information of described button the domestic-investment golden number order of card, card in integrated value, holder hold grade or need refund the date, and generate the grade voice signal or need date voice signal of refunding of holding of integrated value voice signal in the domestic-investment golden number order voice signal of corresponding card, card, holder, send to described buzzing device;
Described buzzing device also for by domestic-investment for described card golden number order voice signal, card in integrated value voice signal, holder the grade voice signal that holds, need refund the date voice signal decoding play.
5. bank card as claimed in claim 1, it is characterized in that, described button comprises: first kind button and Second Type button;
Described first kind button, for sending digital keys information to described processor;
Described Second Type button, for sending trigger key information to described processor.
6. a dynamic password sending method, is characterized in that, described method comprises:
Obtain key information;
Generate dynamic password according to described key information, show described dynamic password;
Obtain the first sound tone signal corresponding to described dynamic password, described first sound tone signal decoding is play.
7. method as claimed in claim 6, is characterized in that, described described first sound tone signal decoding play before, also comprise:
First sound tone signal after obtaining encryption is encrypted to described first sound tone signal;
Described broadcasting of described first sound tone signal being decoded is specially: the first sound tone signal decoding after described encryption play.
8. method as claimed in claim 6, is characterized in that, also comprise:
Transfer the grade or need the date of refunding of holding of integrated value in the domestic-investment golden number order of card, card, holder according to key information, and generate the grade voice signal or need date voice signal of refunding of holding of integrated value voice signal in the domestic-investment golden number order voice signal of corresponding card, card, holder;
By the grade voice signal that holds of integrated value voice signal, holder in domestic-investment for described card golden number order voice signal, card, need date voice signal decoding broadcasting of refunding.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410441643.XA CN105447548A (en) | 2014-09-02 | 2014-09-02 | Bank card and dynamic password transmission method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410441643.XA CN105447548A (en) | 2014-09-02 | 2014-09-02 | Bank card and dynamic password transmission method |
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| CN105447548A true CN105447548A (en) | 2016-03-30 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201410441643.XA Pending CN105447548A (en) | 2014-09-02 | 2014-09-02 | Bank card and dynamic password transmission method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN111859323A (en) * | 2020-06-30 | 2020-10-30 | 维沃移动通信有限公司 | Identity authentication method, device, equipment and storage medium |
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| CN203800949U (en) * | 2014-03-14 | 2014-08-27 | 苏州海博智能系统有限公司 | Dynamic password generator, and authentication device based on dynamic password generator |
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| US8127142B2 (en) * | 2005-09-09 | 2012-02-28 | University Of South Florida | Method of authenticating a user on a network |
| TW201222420A (en) * | 2010-11-26 | 2012-06-01 | Smartdisplayer Technology Co Ltd | Method for performing login process by light sensing and electronic card device thereof |
| CN102298718A (en) * | 2011-07-07 | 2011-12-28 | 天速特信息科技（上海）有限公司 | Multifunctional financial IC (Integrated Circuit) visible card |
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Application publication date: 20160330 |