CN106845996A - Visual intelligent card and the certification method of payment based on the visual intelligent card - Google Patents
Visual intelligent card and the certification method of payment based on the visual intelligent card Download PDFInfo
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- CN106845996A CN106845996A CN201710057224.XA CN201710057224A CN106845996A CN 106845996 A CN106845996 A CN 106845996A CN 201710057224 A CN201710057224 A CN 201710057224A CN 106845996 A CN106845996 A CN 106845996A
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- visual intelligent
- intelligent card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
- G06Q20/40975—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners using encryption therefor
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- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Credit Cards Or The Like (AREA)
Abstract
The present invention provides a kind of visual intelligent card and the certification method of payment based on the visual intelligent card, and the visual intelligent card includes：Financial chip；Display processing system, including display module and write-in processing module；Write-in processing module is connected with financial chip, it is suitable to the write-in information when financial chip carries out information exchange with the external world and exchanges required authentication information, authentication information and operation information send to Verification System after binding encryption to be authenticated, and when certification passes through by certification by feedback of the information to financial chip completing information exchange.The visual intelligent card has write-in and data processing function, while with display function, can also when information exchange is carried out with the external world need not by other equipment by complete authentication information write-in, authentication information certification and information exchange, with it is multiple functional, easy to use the characteristics of.
Description
Technical field
The present invention relates to visual intelligent card technical field, more particularly to a kind of visual intelligent card and based on the visual intelligence
The certification method of payment that can block.
Background technology
With the progress of electronic science and technology, the financing service such as ATM, E-Payment, network payment, QUICKPASS,
The life of people is allowed to become convenient and swift, people also become increasingly dependent on to these services, they are increasingly becoming indispensable in life
A few part.Traditional magnetic stripe bank card information capacity it is small and there is certain potential safety hazard financial IC card and its extension can
Just gradually replacing original conventional magnetic stripe bank card depending on smart card；Financial IC card is also called chip bank card, is using chip as Jie
The bank card of matter, chip card capacity is big, can store the information such as key, digital certificate and fingerprint, in displays such as loading Electronic Papers
After technology, the non-sensitive informations such as electronic cash balances, transaction details and credit card issuer self-defining data can be shown.But it is existing can
It is only used for the non-sensitive informations such as display electronic cash balances, transaction details and credit card issuer self-defining data at present depending on smart card,
The function of write-in and certification is not had, when the visual intelligent card carries out information trading, it is necessary to enter by other equipment
Row certification to complete information exchange, using not enough facilitate.
The content of the invention
The shortcoming of prior art, of the invention to provide a kind of visual intelligent card and based on the visible intelligent in view of the above
The certification method of payment of card, is only used for more than display electronic cash for solve that visual intelligent card of the prior art is present
The non-sensitive informations such as volume, transaction details and credit card issuer self-defining data, do not have the function of write-in and certification, described visual
, it is necessary to be authenticated to complete information exchange by other equipment when smart card carries out information trading, using not convenient enough
Problem.
In order to achieve the above objects and other related objects, the present invention provides a kind of visual intelligent card, the visual intelligent card
Including：
Financial chip；
Display processing system, including display module and write-in processing module；Said write processing module and the financial core
Piece is connected, and is suitable to the write-in information when the financial chip carries out information exchange with the external world and exchanges required authentication information, will
The authentication information and operation information send to Verification System after binding encryption being authenticated, and will recognize when certification passes through
Card passes through feedback of the information to the financial chip to complete information exchange.
Used as a kind of preferred scheme of visual intelligent card of the invention, the display processing system includes touch-screen.
Used as a kind of preferred scheme of visual intelligent card of the invention, said write processing module includes：
Writing unit, is suitable to the certification needed for write-in information exchange when the financial chip carries out information exchange with the external world
Information；
Encryption and transmitting element, are connected with said write unit, are suitable to enter the authentication information and operation information of write-in
Sent to Verification System after row binding encryption and be authenticated；
Receive and feedback unit, be suitable to receive the authentication result of the Verification System, and lead to certification when certification passes through
Feedback of the information is crossed to the financial chip to complete information exchange.
Used as a kind of preferred scheme of visual intelligent card of the invention, the authentication information includes targeted customer's signature, eID
Or targeted customer's signature and eID.
Used as a kind of preferred scheme of visual intelligent card of the invention, the display module is connected with the financial chip
Connect, be suitable to show the column information of the amount of money, payment cipher, transaction code or the operating system of the visual intelligent card.
Used as a kind of preferred scheme of visual intelligent card of the invention, the visual intelligent card also includes：
Smart card body, the financial chip is located in the smart card body, and the display processing system is embedded in institute
State in smart card body；
IC chip contact face structure, is embedded in the smart card body surface, and be connected with the financial chip；
Antenna, in the smart card body, and is connected with the financial chip.
Used as a kind of preferred scheme of visual intelligent card of the invention, the visual intelligent card also includes：
Wireless communication module, in the smart card body, is connected with the financial chip；
Power supply module, in the smart card body, with the display processing system and the wireless communication module phase
Connection, is suitable for the display processing system and the wireless communication module is powered.
The present invention also provides a kind of based on the above-mentioned certification method of payment based on the visual intelligent card, and the certification pays
Method is comprised the following steps：
1) financial chip carries out sending certification request during information exchange with the external world；
2) authentication information needed for writing information exchange in said write processing module according to the certification request；
3) authentication information and operation information send to Verification System after binding encryption being authenticated；
4) to the financial chip feedback certification by information when certification passes through, the financial chip is completed and extraneous letter
Breath interaction.
As a kind of preferred scheme of certification method of payment of the invention, step 2) in, the authentication information includes target
User's signature, eID or targeted customer signature and eID.
As described above, visual intelligent card of the invention and the certification method of payment based on the visual intelligent card, with
Lower beneficial effect：The visual intelligent card of the invention has write-in and data processing function, while with display function,
Information exchange can also be write by the display processing system of itself when the visual intelligent card carries out information exchange with the external world
Required authentication information, and send to Verification System after the authentication information is encrypted and be authenticated, when certification passes through
Certification is passed through into feedback of the information to the financial chip to complete information exchange, during entirely being interacted with external information,
Need not can complete authentication information write-in, authentication information certification and information exchange by other equipment, with it is multiple functional, make
Use the characteristics of facilitating.
Brief description of the drawings
Fig. 1 to Fig. 3 is shown as the block diagram of the visual intelligent card provided in the embodiment of the present invention one.
Fig. 4 is shown as the flow chart of the certification method of payment provided in the embodiment of the present invention two.
Component label instructions
1 financial chip
2 display processing systems
21 display modules
22 write-in processing modules
221 writing units
222 encryption equipment transmitting elements
223 receive and feedback unit
3 smart card bodies
4 IC chip contact face structures
5 antennas
6 wireless communication modules
7 power supply modules
Specific embodiment
Embodiments of the present invention are illustrated below by way of specific instantiation, those skilled in the art can be by this specification
Disclosed content understands other advantages of the invention and effect easily.The present invention can also be by specific realities different in addition
The mode of applying is embodied or practiced, the various details in this specification can also based on different viewpoints with application, without departing from
Various modifications or alterations are carried out under spirit of the invention.
Refer to Fig. 1 to Fig. 4.It should be noted that the diagram provided in the present embodiment only illustrates this in a schematic way
The basic conception of invention, though package count when only display is with relevant component in the present invention rather than according to actual implementation in diagram
Mesh, shape and size are drawn, and the form of each component, quantity and ratio can be a kind of random change during its actual implementation, and its
Assembly layout form is likely to increasingly complex.
Embodiment one
Fig. 1 is referred to, the present invention provides a kind of visual intelligent card, and the visual intelligent card includes：Financial chip 1；Display
Processing system 2, the display processing system 2 includes display module 21 and write-in processing module 22；Said write processing module 21
It is connected with the financial chip 1, is suitable to the write-in information when the financial chip 1 carries out information exchange with the external world and exchanges required
Authentication information (private key), sent to Verification System (not shown) after the authentication information and operation information are carried out into binding encryption
It is authenticated using public key, and hands over certification to complete information by feedback of the information to the financial chip 1 when certification passes through
Mutually.
As an example, the financial chip 1 is with all-purpose card and dodges the safety chip for paying function.
As an example, the Verification System can be but be not limited only to bank's background system.
As an example, the display processing system 2 can include that touch-screen, i.e. user grasp by the touch-screen
Make to write the authentication information needed for information exchange.
Fig. 2 is referred to, said write processing module 22 includes：Writing unit 221, said write unit 221 is suitable in institute
State financial chip 1 and the extraneous authentication information carried out during information exchange needed for write-in information exchange；Encryption and transmitting element 222,
The encryption and transmitting element 222 are connected with said write unit 221, are suitable to enter the authentication information and operation information of write-in
Sent to Verification System after row binding encryption and be authenticated；Receive and feedback unit 223, the reception and feedback unit 223 are suitable
In the authentication result for receiving the Verification System, and certification is passed through into feedback of the information to the financial chip 1 when certification passes through
To complete information exchange.It should be noted that it is described encryption and transmitting element 222 and it is described reception and feedback unit 223 lead to
Cross radio connection to be connected with the Verification System, to ensure the encryption and transmitting element 222 and the Verification System
And the reception and feedback unit 223 can carry out information transmission with the Verification System.
As an example, the authentication information can include targeted customer's signature, eID or targeted customer's signature and eID.
As an example, the authentication information that the encryption and transmitting element 222 are suitable to write encrypts calculation using SM1~SM4
Method is encrypted, it would however also be possible to employ RSA, SHA or des encryption algorithm are encrypted.
As an example, the display module 21 is connected with the financial chip 1, it is suitable to show the visual intelligent card
The column information of the amount of money, payment cipher, transaction code or operating system.
Fig. 3 is referred to, the visual intelligent card also includes：Smart card body 3, the financial chip 1 is located at the intelligence
In card main body 3, the display processing system 2 is embedded in the smart card body 3, and the display processing system 2 upper table
Face is exposed to the outside of the smart card body 3, is specifically as follows, the upper surface of the display processing system 2 can with it is described
The upper surface flush of smart card body 3, it is also possible to the upper surface of slightly below described smart card body 3；IC chip contact surface knot
Structure 4, the IC chip contact face structure 4 is embedded in the surface of the smart card body 3, and is connected with the financial chip 1, institute
State the upper surface of IC chip contact face structure 4 and the upper surface flush of the smart card body 3；Antenna 5,5, the antenna
In in the smart card body 3, and it is connected with the financial chip 1, is suitable to the financial chip 1 and passes through day with external equipment
The mode of line coupling carries out information exchange.The concrete structure of the IC chip contact face structure 4 be those skilled in the art known to, this
Place is not repeated.
As an example, the visual intelligent card also includes：Wireless communication module 6, the wireless communication module 6 is located at described
In smart card body 3, it is connected with the financial chip 1；Power supply module 7, the power supply module 7 is located at the smart card body
In 3, it is connected with the display processing system 2 and the wireless communication module 6, is suitable for the display processing system 2 and institute
Wireless communication module 6 is stated to power.
As an example, the wireless communication module 6 can be bluetooth module, WiFi module or NFC (near-field communication) module
At least one of three；I.e. described wireless communication module 6 can be bluetooth module, can be WiFi module, can be NFC moulds
Block, can for bluetooth module and WiFi module, can for bluetooth module and NFC module, can for WiFi module and NFC module,
Can also be bluetooth module, WiFi module and NFC module.
As an example, the visual intelligent card meets NFC, and (Near Field Communication, near radio leads to
Letter) communications protocol and ISO14443 agreements or ISO7816 agreements.
As an example, the visual intelligent card includes Non-contact IC smart card, traffic all-purpose card, health are specifically as follows
Card, Citizen Card Item, social security card, eID (Electronic Identity, electronic ID card), stored value card, PBOC cards, VISA credit card,
MasterCard (Master Card), JCB cards and American Express Card etc..
Embodiment two
Fig. 4 is referred to incorporated by reference to Fig. 1 to Fig. 3, the present invention also provides a kind of visual intelligent card based on described in embodiment one
Certification method of payment, the certification method of payment comprises the following steps：
1) financial chip carries out sending certification request during information exchange with the external world；
2) authentication information needed for writing information exchange in said write processing module according to the certification request；
3) authentication information and operation information send to Verification System after binding encryption being authenticated；
4) to the financial chip feedback certification by information when certification passes through, the financial chip is completed and extraneous letter
Breath interaction.
As an example, step 1) in, when the financial chip 1 carries out information exchange with the external world, to the display processing system
System 2 sends certification request.
As an example, step 2) in, the authentication information can include targeted customer's signature, eID or targeted customer's signature
And eID.
As an example, step 3) in, said write processing module by the authentication information using SM1~SM4 AESs,
RSA, SHA or des encryption algorithm are encrypted, and after encryption send to the Verification System, institute authentication information after encryption
It is authenticated using public key after stating the decryption of the authentication information after the encryption that Verification System will be received.The Verification System can be
But it is not limited only to bank's background system.
As an example, step 4) in, the Verification System compares certification authentication information, passes through certification is compared
When, certification is sent by information to said write processing system 22, the certification that said write processing system 22 will be received is by letter
Breath feeds back to the financial chip 1 to complete information exchange.
In sum, the present invention provides a kind of visual intelligent card and the certification method of payment based on the visual intelligent card,
The visual intelligent card includes：Financial chip；Display processing system, including display module and write-in processing module；Said write
Processing module is connected with the financial chip, is suitable to the write-in information when the financial chip and the external world carry out information exchange and hands over
Required authentication information is changed, the authentication information and operation information send to Verification System after binding encryption to be recognized
Card, and certification is passed through into feedback of the information to the financial chip to complete information exchange when certification passes through.It is of the invention described
Visual intelligent card has write-in and data processing function, while with display function, can also be in the visual intelligent card
Authentication information needed for writing information exchange by the display processing system of itself when carrying out information exchange with the external world, and will be described
Authentication information and operation information send to Verification System after binding encryption being authenticated, and pass through certification when certification passes through
Feedback of the information to the financial chip to complete information exchange, during entirely being interacted with external information, it is not necessary to by
Other equipment can complete authentication information write-in, authentication information certification and information exchange, with spy multiple functional, easy to use
Point.
The above-described embodiments merely illustrate the principles and effects of the present invention, not for the limitation present invention.It is any ripe
The personage for knowing this technology all can carry out modifications and changes under without prejudice to spirit and scope of the invention to above-described embodiment.Cause
This, those of ordinary skill in the art is complete with institute under technological thought without departing from disclosed spirit such as
Into all equivalent modifications or change, should be covered by claim of the invention.
Claims (9)
1. a kind of visual intelligent card, it is characterised in that the visual intelligent card includes：
Financial chip；
Display processing system, including display module and write-in processing module；Said write processing module and the financial chip phase
Connection, is suitable to the write-in information when the financial chip carries out information exchange with the external world and exchanges required authentication information, will be described
Authentication information and operation information are sent to Verification System certification after carrying out binding encryption, and certification is passed through into letter when certification passes through
Breath feeds back to the financial chip to complete information exchange.
2. visual intelligent card according to claim 1, it is characterised in that：The display processing system includes touch-screen.
3. visual intelligent card according to claim 1 and 2, it is characterised in that：Said write processing module includes：
Writing unit, is suitable to the certification letter needed for write-in information exchange when the financial chip carries out information exchange with the external world
Breath；
Encryption and transmitting element, are connected with said write unit, are suitable to be tied up the authentication information and operation information of write-in
Sent to Verification System after fixed encryption and be authenticated；
Receive and feedback unit, be suitable to receive the authentication result of the Verification System, and certification is passed through into letter when certification passes through
Breath feeds back to the financial chip to complete information exchange.
4. visual intelligent card according to claim 3, it is characterised in that：The authentication information include targeted customer signature,
EID or targeted customer's signature and eID.
5. visual intelligent card according to claim 1, it is characterised in that：The display module is connected with the financial chip
Connect, be suitable to show the column information of the amount of money, payment cipher, transaction code or the operating system of the visual intelligent card.
6. visual intelligent card according to any one of claim 1 to 5, it is characterised in that：The visual intelligent card is also wrapped
Include：
Smart card body, the financial chip is located in the smart card body, and the display processing system is embedded in the intelligence
In energy card main body；
IC chip contact face structure, is embedded in the smart card body surface, and be connected with the financial chip；
Antenna, in the smart card body, and is connected with the financial chip.
7. visual intelligent card according to claim 1, it is characterised in that：The visual intelligent card also includes：
Wireless communication module, in the smart card body, is connected with the financial chip；
Power supply module, in the smart card body, is connected with the display processing system and the wireless communication module,
It is suitable for the display processing system and the wireless communication module is powered.
8. a kind of certification method of payment of the visual intelligent card based on as any one of claim 1 to 7, its feature exists
In the certification method of payment is comprised the following steps：
1) financial chip carries out sending certification request during information exchange with the external world；
2) authentication information needed for writing information exchange in said write processing module according to the certification request；
3) authentication information and operation information send to Verification System after binding encryption being authenticated；
4) to the financial chip feedback certification by information when certification passes through, the financial chip completes to be handed over extraneous information
Mutually.
9. certification method of payment according to claim 8, it is characterised in that：Step 2) in, the authentication information includes mesh
Mark user's signature, eID or targeted customer's signature and eID.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710057224.XA CN106845996A (en) | 2017-01-26 | 2017-01-26 | Visual intelligent card and the certification method of payment based on the visual intelligent card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710057224.XA CN106845996A (en) | 2017-01-26 | 2017-01-26 | Visual intelligent card and the certification method of payment based on the visual intelligent card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106845996A true CN106845996A (en) | 2017-06-13 |
Family
ID=59122427
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710057224.XA Pending CN106845996A (en) | 2017-01-26 | 2017-01-26 | Visual intelligent card and the certification method of payment based on the visual intelligent card |
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| CN105023038A (en) * | 2015-08-14 | 2015-11-04 | 武汉天喻信息产业股份有限公司 | Dual-interface financial IC card having safe input function and using method thereof |
| CN205451131U (en) * | 2016-01-05 | 2016-08-10 | 飞天诚信科技股份有限公司 | Visual smart card |
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2017
- 2017-01-26 CN CN201710057224.XA patent/CN106845996A/en active Pending
Patent Citations (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102542323A (en) * | 2010-11-16 | 2012-07-04 | 北京中电华大电子设计有限责任公司 | Multifunctional visual intelligent card |
| CN103503035A (en) * | 2011-05-06 | 2014-01-08 | 曼努埃尔·让森·瓦拉达斯普雷托 | Telematic payment card |
| US20140054373A1 (en) * | 2012-08-24 | 2014-02-27 | Smartchip Microelectronic Corp. | Financial certification apparatus applied with smart device |
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Application publication date: 20170613 |
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