CN105592115A - Distributed intelligent card industry application system and method - Google Patents
Distributed intelligent card industry application system and method Download PDFInfo
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- CN105592115A CN105592115A CN201410570781.8A CN201410570781A CN105592115A CN 105592115 A CN105592115 A CN 105592115A CN 201410570781 A CN201410570781 A CN 201410570781A CN 105592115 A CN105592115 A CN 105592115A
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Abstract
The invention relates to a distributed intelligent card industry application device comprising an information platform for providing safety authentication, a personal system terminal including a terminal device and a device plug-in element, and an internet-based distributed, independent, and heterogeneous application information device. The application information device carries out front-end support on the personal system terminal by the device plug-in element and provides a background support for the application information device; and the application information device carries out financial payment and information synchronization authentication on the terminal device according to a client demand. On the basis of integration of the industrial application and finance, the rapid internet on-line application hardware device support, solution support, and platform operation mode support can be provided for industrial intelligent cards that include a financial social security card, a resident health card, and a special co-branded card and the like and are loaded with financial functions.
Description
Technical field
The present invention relates to internet smart card technical field, relate in particular to a kind of distributed intelligence card industryApplication system and method.
Background technology
Sector application taking social security as representative, has issued the social security chip with financial functionCard, has adopted the reader/writer mode that field of intelligent cards is traditional, at human resources and social security business windowUtilize read write line to launch application of IC cards. Because social security card loads financial function, people society business is also depositedIn financial payment, under such application scenarios, a kind of is to adopt to possess to support the social security of financial function to readWrite device; One is to adopt financial POS machine, and financial POS machine is supported social security function; Or access two simultaneouslyThe equipment of kind.
But for the people society application of interconnected networking, traditional read write line is unaccommodated, traditionalRead write line has larger volume, need to load PSAM card and use, and the management of PSAM card has strict streamJourney, and be not suitable for issuing towards individual. For the people society application of interconnected networking, financial payment equipmentAlso be unaccommodated, the function of social security card is mainly authentication, information recording and information inquiry, financePayment is not major function, and financial payment equipment has higher cost, is difficult to the institute for personal user yetAccept.
Summary of the invention
The technical problem to be solved in the present invention is to provide one and possesses social security card and financial payment function simultaneouslyDistributed intelligence card sector application system and method.
For achieving the above object, the present invention by the following technical solutions: a kind of distributed intelligence card industry shouldBy system, it comprises: the information platform that safety certification is provided; Ps terminal, described individual systemSystem terminal comprises terminal device, equipment plug-in unit; Distributed, independence based on internet, the application of isomeryMassaging device; Wherein, described application message device by described equipment plug-in unit to described individual isSystem terminal is carried out front end support, and provides back-office support to described application message device, described application letterBreath device, according to customer demand, carries out financial payment and information synchronously authenticates by described terminal device.
Wherein, described equipment plug-in unit comprises: one for compatible operating system, browser and communication partyThe device driver module of formula; One carries out the peace of device authentication, card certification, card operation and financial payment onlineFull authentication module; One provides the AIM of access interface for user; The man-machine friendship of one convenient operationModule mutually.
Wherein, described security authentication module comprises: one recognizes for the application of determining application system legitimacyCard module; One determines the device authentication module of application terminal legitimacy; One for to smart card or fiscardThe card authentication module of legitimacy certification; The card module for reading and writing of one Remote Acquisitioning secret key authority; And one pass throughDescribed information platform completes the card payment module of payment.
Wherein, described application message device comprises: an application management module, described application pipeReason module, taking Application Certificate as carrier, realizes the registration management to sector application; One by long-range friendshipThe security authentication module that agreement authenticates mutually; One termination management module, described terminal management mouldPiece one device certificate is carrier, management terminal device; One industry data module, described industry numberCarrying out data, services according to module and internet shares.
Wherein, described application management module is taked registration mode, and is the sector application unit of providingThe data, services of termination is reached the standard grade, is applied in registration, application registration, application debugging, application.
A kind of distributed intelligence card sector application method, it comprises the steps:
The first step, for personal terminal system loads equipment plug-in unit, for smart card enters sector application providing endMouthful;
Second step, by public information platform, carries out safety certification to smart card;
The 3rd step, enters application message device, synchronously completes financial payment and authentification of message.
Wherein, describedly comprise the steps: for personal terminal system loads equipment plug-in unit
The first step, by human-computer interaction module, initiates sector application request;
Second step, drives for compatible operating system, browser and communication equipment;
The 3rd step, the safety certification of carrying out online device authentication, card checking, card operation and financial payment;
The 4th step, by application interface, carries out corresponding sector application system.
Wherein, the safety certification step of described second step comprises:
The first step, authenticates the legitimacy of application system;
Second step, authenticates the legitimacy of application terminal;
The 3rd step, authenticates the legitimacy of smart card;
The 4th step, by the secret key authority of Remote Acquisitioning, and blocks read-write operation;
The 5th step, by information platform, completes payment.
Wherein, the sector application massaging device that enters of described the 3rd step comprises:
The first step, by application management module, registers, manages sector application;
Second step, carries out safety certification by remote interaction agreement;
The 3rd step, taking device certificate as carrier, management terminal device;
The 4th step, by internet, serves industry data to share.
Further, the sector application registration of the described first step, management adopt registration mode, are rowThe data, services of termination is reached the standard grade, is applied in the registration of the industry unit of providing, application registration, application debugging, application.
By sector application and financial fusion, for loading the industry smart card of financial function (as financial societyProtect card, residents ' health card, special joint name card) provide the online application hardware equipment in internet efficiently to prop upHold, solution support and the support of platform operation mode.
Brief description of the drawings
Fig. 1 is the system construction drawing of distributed intelligence card sector application system of the present invention;
Fig. 2 is the modular structure block diagram of distributed intelligence card sector application system of the present invention.
Detailed description of the invention
In order to more fully understand technology contents of the present invention, below in conjunction with specific embodiment to skill of the present inventionArt scheme is described further and illustrates.
Refer to accompanying drawing 1 and accompanying drawing 2, this distributed intelligence card sector application system, it comprises: provideThe information platform 2 of safety certification; Ps terminal 1, described ps terminal 1 comprises terminalEquipment 13, equipment plug-in unit 12; Distributed, independence based on internet, the application message device 3 of isomery;Wherein, described application message device 3 by described equipment plug-in unit 12 to described ps eventuallyEnd 1 carries out front end support, and provides back-office support to described application message device 3, described application letterBreath device 3, according to customer demand, carries out financial payment and information is synchronously recognized by described terminal device 13Card.
In more detail, wherein, described information platform 2, is a kind of distributed intelligence card of the present embodimentThe core information system of sector application system, internet on-line operation, in conjunction with industrial security system and financeSecurity system realizes the required safety certification of sector application and financial payment, with row together with equipment plug-in unitIndustry resource hierarchy connects, and data resource Industry-oriented application that can interconnected networking is shared.
Described ps terminal 1, be holder's client environment, mainly comprises sector applicationClient part, equipment plug-in unit 12, terminal device 13, at user's computer or smart mobile phone ringBorder, realizes the man-machine interaction of application. Wherein terminal device 13 has USB interface-based PC version, also hasMobile phone version based on audio port, bluetooth port. Wherein equipment plug-in unit 12 according to different operating system,The version of distinct interface mode, different browsers, as mobile phone Android system, towards red fox browser,Adopt the equipment plug-in unit of bluetooth 4.0 standard traffics.
Described application message device 3 is distributed, independence, the Heterogeneous Information of internet on-line operationSystem, completes different application. Described application comprises social security card certification, financial payment card, withAnd the application of the smart card of other intelligent interconnection.
Described ps terminal 1, the interconnected work of information platform 2 and application message device 3 is closedSystem is that information platform 2, by equipment plug-in unit 12, carries out front end support to all ps; PlatformBy application management, realize the back-office support of the sector application to all registrations; Sector application as required,Provide application to different ps; In other words, individual, according to self needs, establishes by card, terminalStandby and computer or mobile phone, access different sector applications and operate.
Refer to accompanying drawing 2, wherein, described equipment plug-in unit 12 comprises: one for compatible operating system,The device driver module 123 of browser and communication mode; One carry out online device authentication, card certification,The security authentication module 122 of card operation and financial payment; One provides the application interface of access interface for userModule 121; The human-computer interaction module 124 of one convenient operation.
Described terminal device 13 comprises two operational modules, and one is financial instruments 131, and another isDevice certificate 132, described financial instruments 131 adopts China's Financial standard agreement, passes through financial instruments131 directly carry out safety verification. Device certificate 132, by default device security authorization information coupling, entersRow safety verification.
In more detail, described device driver module 123, realizes equipment plug-in unit to terminal device 13Control and mutual, mainly solve the difference of operating system, browser, communication mode. DescribedSecurity authentication module 122 is mainly to realize device authentication, card certification, card operation and financial paymentFlow process works online together with information platform 2, realization and industrial security system, finance peaceThe docking of all systems, according to related protocol and standard implementation card application flow. Described application interfaceModule 121, for the client-side program code of sector application provides API, realizes correspondingWith smart card relevant rudimentary function support. Described human-computer interaction module 124, should according to industryThe request of transmitting by application interface with program interface, calls hardware device and realizes man-machine interaction, asDisplay reminding information on the display screen of terminal device, requires to be used on keyboard and inputs PIN, points outUser's plug-in card, pull out card etc.
Further, described security authentication module 122 comprises: one is legal for determining application systemThe application authorization module of property; One determines the device authentication module of application terminal legitimacy; One for to intelligenceThe card authentication module of card or the certification of fiscard legitimacy; The card module for reading and writing of one Remote Acquisitioning secret key authority;And one complete the card payment module of payment by described information platform.
In more detail, described application authorization module, refers to that information platform can not by sector applicationThe network information of change and the Application Certificate of loading thereof, according to digital certificate standard flow process certification industryThe legitimacy of application system, guarantees to use card software Environmental security; If application authorization module authentication is obstructedCross, equipment plug-in unit is not worked.
Described device authentication module, refers to that information platform can not changed information by equipment and addThe device certificate carrying, according to the legitimacy of digital certificate standard flow process certification terminal device, guarantees to useCard hardware environment safety; Device authentication does not pass through, and all card operations cannot be carried out.
Described card authentication module, refers to that information platform passes through and industrial security system, financial securitySystem mutual, realizes the legitimacy of industry smart card, financial IC card is differentiated, and guarantees cardThe information security of application. The certification of card authentication module is not passed through, and all follow-up card operations cannot be carried out.
Described card module for reading and writing, refers to that information platform passes through and industrial security system, financial securitySystem mutual, according to specification Remote Acquisitioning association key authority, realizes the read-write operation to card,Meet application demand, in this process, key does not operate within the scope of ps and occurs.
Described card payment module, refers to that information platform and equipment plug-in unit 12 coordinate, and realize informationThe payment flow of the payment flow of platform definition or financial institution's definition, meets sector application to adoptingThe demand that smart card is concluded the business and paid the bill.
Wherein, described application message device 3 comprises: an application management module 21, and describedApplication management module, taking Application Certificate as carrier, realizes the registration management to sector application; One passes throughThe security authentication module 22 that remote interaction agreement authenticates; One termination management module 23, described inTermination management module one device certificate be carrier, management terminal device; One industry data module24, described industry data module 24 is carried out data, services with internet and is shared.
In more detail, described application management module 21, taking Application Certificate as carrier, it is right to realizeThe registration system management of sector application. Described security authentication module 22, together with equipment plug-in unit 12,Based on industrial security system and financial security system, by network service, realize device authentication, answerThe remote interaction agreement paying with certification, card certification, card read-write, card. Described terminal management mouldPiece 23, taking device certificate as carrier, realizes the management to terminal device 13. Described industry numberAccording to module 24, connect data resource face that can interconnected networking with industry resource systemShare to sector application, on the basis of smart card industry application, provide data, services.
Further, described application message device 3 comprises three kinds of systems, is respectively industrial security bodyBe 31, financial security system 32 and industry resource system 33.
Wherein, described application management module is taked registration system, and is the sector application unit of providingThe data, services of termination is reached the standard grade, is applied in registration, application registration, application debugging, application.
The present invention also provides a kind of application management method, completes the association between sector application and platform, instituteThe method of stating, based on Application Certificate, allows the distributed existence of sector application, and independent mutually between platform,Platform takes registration system to manage, and the registration of the sector application unit of providing, application are registered, answeredReach the standard grade, apply five management links such as termination with debugging, application, cover the whole life cycle of application.Only meet the sector application of platform application rule, application interface that can invocation facility plug-in unit,Realize the operation to industry smart card, financial IC card by terminal device.
By the description of above-mentioned operational module and workflow thereof, the present embodiment also discloses a kind of distributedSmart card industry application process, it comprises the steps:
The first step, for personal terminal system loads equipment plug-in unit, for smart card enters sector application providing endMouthful;
Second step, by public information platform, carries out safety certification to smart card;
The 3rd step, enters application message device, synchronously completes financial payment and authentification of message.
Wherein, describedly comprise the steps: the first step for personal terminal system loads equipment plug-in unit, pass throughHuman-computer interaction module, initiates sector application request; Second step, drives for compatible operating system, browsesDevice and communication equipment; The 3rd step, carries out device authentication, card checking, card operation and financial payment onlineSafety certification; The 4th step, by application interface, carries out corresponding sector application system.
Wherein, the safety certification step of described second step comprises: the first step, and to the legitimacy of application systemAuthenticate; Second step, authenticates the legitimacy of application terminal; The 3rd step, to closing of smart cardMethod authenticates; The 4th step, by the secret key authority of Remote Acquisitioning, and blocks read-write operation; The 5thStep, by information platform, completes payment.
Wherein, the sector application massaging device that enters of described the 3rd step comprises:
The first step, by application management module, registers, manages sector application; Second step is logicalCross remote interaction agreement and carry out safety certification; The 3rd step, taking device certificate as carrier, management terminal device;The 4th step, by internet, serves industry data to share.
Further, the sector application registration of the described first step, management adopt registration mode, are rowThe data, services of termination is reached the standard grade, is applied in the registration of the industry unit of providing, application registration, application debugging, application.
The above only further illustrates technology contents of the present invention with embodiment, so that reader more holdsEasily understand, but do not represent that embodiments of the present invention only limit to this, any technology of doing according to the present invention is prolongedStretch or recreate, being all subject to protection of the present invention.
Claims (10)
1. a distributed intelligence card sector application system, is characterized in that, comprising: provide safety to recognizeThe information platform of card; Ps terminal, described ps terminal comprises that terminal device, equipment insertPart; Distributed, independence based on internet, the application message device of isomery; Wherein, described applicationMassaging device carries out front end support by described equipment plug-in unit to described ps terminal, and to instituteThe application message device of stating provides back-office support, and described application message device is according to customer demand, by instituteState that terminal device carries out financial payment and information synchronously authenticates.
2. a kind of distributed intelligence card sector application system according to claim 1, its feature existsIn, described equipment plug-in unit comprises: establishing for compatible operating system, browser and communication modeStandby driver module; One carries out the safety certification of device authentication, card certification, card operation and financial payment onlineModule; One provides the AIM of access interface for user; The human-computer interaction module of one convenient operation.
3. a kind of distributed intelligence card sector application system according to claim 2, its feature existsIn, described security authentication module comprises: one for determining the application authorization module of application system legitimacy;One determines the device authentication module of application terminal legitimacy; One for recognizing smart card or fiscard legitimacyThe card authentication module of card; The card module for reading and writing of one Remote Acquisitioning secret key authority; And one by described informationPlatform completes the card payment module of payment.
4. a kind of distributed intelligence card sector application system as claimed in claim 1, is characterized in that,Described application message device comprises: an application management module, described application management module is to answerWith certificate be carrier, realize registration management to sector application; One is undertaken by remote interaction agreementThe security authentication module of certification; One termination management module, described termination management module one equipment cardBook is carrier, management terminal device; One industry data module, described industry data module is with mutualNetworking is carried out data, services and is shared.
5. a kind of distributed intelligence card sector application system according to claim 4, its feature existsIn, described application management module is taked registration mode, and for the sector application unit of providing registration,The data, services of termination is reached the standard grade, is applied in application registration, application debugging, application.
6. a distributed intelligence card sector application method, is characterized in that, comprises the steps:
The first step, for personal terminal system loads equipment plug-in unit, for smart card enters sector application providing endMouthful;
Second step, by public information platform, carries out safety certification to smart card;
The 3rd step, enters application message device, synchronously completes financial payment and authentification of message.
7. a kind of distributed intelligence card sector application method as claimed in claim 6, is characterized in that,Describedly comprise the steps: for personal terminal system loads equipment plug-in unit
The first step, by human-computer interaction module, initiates sector application request;
Second step, drives for compatible operating system, browser and communication equipment;
The 3rd step, the safety certification of carrying out online device authentication, card checking, card operation and financial payment;
The 4th step, by application interface, carries out corresponding sector application system.
8. a kind of distributed intelligence card sector application method as claimed in claim 6, is characterized in that,The safety certification step of described second step comprises:
The first step, authenticates the legitimacy of application system;
Second step, authenticates the legitimacy of application terminal;
The 3rd step, authenticates the legitimacy of smart card;
The 4th step, by the secret key authority of Remote Acquisitioning, and blocks read-write operation;
The 5th step, by information platform, completes payment.
9. a kind of distributed intelligence card sector application method as claimed in claim 6, is characterized in that,The sector application massaging device that enters of described the 3rd step comprises:
The first step, by application management module, registers, manages sector application;
Second step, carries out safety certification by remote interaction agreement;
The 3rd step, taking device certificate as carrier, management terminal device;
The 4th step, by internet, serves industry data to share.
10. a kind of distributed intelligence card sector application method as claimed in claim 9, is characterized in that,Sector application registration, the management of the described first step adopt registration mode, for the registration of the industry unit of providing,The data, services of termination is reached the standard grade, is applied in application registration, application debugging, application.
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| CN201410570781.8A CN105592115A (en) | 2014-10-23 | 2014-10-23 | Distributed intelligent card industry application system and method |
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| CN201410570781.8A CN105592115A (en) | 2014-10-23 | 2014-10-23 | Distributed intelligent card industry application system and method |
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