CN101964103A - Electronic banking tool - Google Patents
Electronic banking tool Download PDFInfo
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- CN101964103A CN101964103A CN2009100890479A CN200910089047A CN101964103A CN 101964103 A CN101964103 A CN 101964103A CN 2009100890479 A CN2009100890479 A CN 2009100890479A CN 200910089047 A CN200910089047 A CN 200910089047A CN 101964103 A CN101964103 A CN 101964103A
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Abstract
The invention discloses an electronic banking tool which comprises a user information module, a user certificate module, a safety module and a communication protocol module, wherein the user information module is used for storing account information of an electronic bank user; the user certificate module is used for storing a safety certificate of the electronic bank user; the safety module is respectively connected with the user information module and the user certificate module and used for carrying out safe operation on information stored in the user information module and the user certificate module; and the communication protocol module is connected with the safety module and used for carrying out information transmission between devices of an electronic bank system. The banking tool adopting the technical scheme can not only be used as a bank card, but also be used as an electronic bank certification tool; simultaneously, as the storage capacity is improved and the hardware encryption way is adopted, the electronic banking tool is difficult to replicate, thereby improving the safety of the tool.
Description
Technical field
The present invention relates to e-bank's technical field, relate in particular to a kind of electronic banking instrument.
Background technology
Along with banking is increasing in the influence in the people life, as the terminal device of individual participating banks business use also more and more general.In the general banking, bank card not only provide the interface that inserts banking, and the information of its storage inside also is the important information in the banking as the instrument medium of people's participating banks business.
According to State Standard of the People's Republic of China GB/T 19584-2004 " bank card magnetic strip information form and operating specification ", the bank card magnetic stripe comprises 3 tracks, wherein first track data coding dominant record size is 79 characters, second track data coding dominant record size is 40 characters, the 3rd track data coding dominant record size is 107 characters, has write down the user profile of bank-user and accounts information etc.
Because what bank card adopted is the soft encryption mode, and memory space is less, be difficult to finish complicated work, thereby make the content in the bank card magnetic stripe duplicate easily and read, cause bank card security decline.
Summary of the invention
The objective of the invention is to propose a kind of electronic banking instrument, the security that can improve the banking instrument.
For reaching this purpose, the present invention by the following technical solutions:
A kind of electronic banking instrument comprises subscriber information module, user certificate module, security module and communication protocol module, wherein,
Subscriber information module is used for the account information of store electrons bank-user;
The user certificate module is used for the safety certificate of store electrons bank-user;
Security module is connected with the user certificate module with subscriber information module respectively, is used for the information of subscriber information module and user certificate module stores is carried out safe computing;
Communication protocol module is connected with security module, be used for and e-banking system equipment between carry out information transmission.
Described security module further comprises algorithm unit and arithmetic element, and wherein algorithm unit is used for the storage security algorithm, and arithmetic element is used for carrying out safe computing according to security algorithm.
Described security module adopts hardware configuration to realize.
The algorithm unit storage is no less than 2 security algorithms.
The subscriber information module storage is no less than 2 users' of e-bank account information.
The described user of e-bank of user certificate module stores is no less than 2 safety certificate.
Adopted technical scheme of the present invention, because user profile and user certificate are all put into a business tool, this instrument not only can be used as bank card and uses, can also be as e-bank's authentication means; Owing to improved memory capacity, and adopted the hardware encryption mode, transreplication not, thereby the security that has improved instrument; Can store a plurality of user profile in addition, reach instrument of many people, reach the purpose of centralized management; And can store a plurality of user certificates of the corresponding a plurality of banks of a user, so a user only needs an instrument just can use a plurality of bankings.
Description of drawings
Fig. 1 is an electronic banking tool construction synoptic diagram in the specific embodiment of the invention.
Embodiment
Further specify technical scheme of the present invention below in conjunction with accompanying drawing and by embodiment.
Fig. 1 is an electronic banking tool construction synoptic diagram in the specific embodiment of the invention.As shown in Figure 1, this electronic banking instrument 1 comprises subscriber information module 2, user certificate module 3, security module 4 and communication protocol module 5, and wherein security module further comprises algorithm unit 41 and arithmetic element 42.
The account information of subscriber information module store electrons bank-user, the user certificate module stores user's of e-bank safety certificate, security module is connected with the user certificate module with subscriber information module respectively, information to subscriber information module and user certificate module stores is carried out safe computing, communication protocol module is connected with security module, can and e-banking system equipment between carry out information transmission.
Security module adopts hardware configuration to realize that the algorithm unit in the security module can be stored 1 or a plurality of security algorithm, thereby realizes recombinating logic; Arithmetic element is carried out safe computing according to security algorithm.
Can store 1 or a plurality of users' of e-bank account information at subscriber information module, a plurality of like this users only need an instrument just can use banking, reach the purpose of centralized management.
The user security certificate of user certificate module can the store electrons bank-user corresponding 1 or a plurality of banks, such user only needs an instrument just can use a plurality of bankings.
The above; only for the preferable embodiment of the present invention, but protection scope of the present invention is not limited thereto, and anyly is familiar with the people of this technology in the disclosed technical scope of the present invention; the variation that can expect easily or replacement all should be encompassed within protection scope of the present invention.Therefore, protection scope of the present invention should be as the criterion with the protection domain of claim.
Claims (6)
1. an electronic banking instrument is characterized in that, comprises subscriber information module, user certificate module, security module and communication protocol module, wherein,
Subscriber information module is used for the account information of store electrons bank-user;
The user certificate module is used for the safety certificate of store electrons bank-user;
Security module is connected with the user certificate module with subscriber information module respectively, is used for the information of subscriber information module and user certificate module stores is carried out safe computing;
Communication protocol module is connected with security module, be used for and e-banking system equipment between carry out information transmission.
2. a kind of electronic banking instrument according to claim 1, it is characterized in that, described security module further comprises algorithm unit and arithmetic element, and wherein algorithm unit is used for the storage security algorithm, and arithmetic element is used for carrying out safe computing according to security algorithm.
3. a kind of electronic banking instrument according to claim 1 is characterized in that, described security module adopts hardware configuration to realize.
4. a kind of electronic banking instrument according to claim 2 is characterized in that, the algorithm unit storage is no less than 2 security algorithms.
5. a kind of electronic banking instrument according to claim 1 is characterized in that, the subscriber information module storage is no less than 2 users' of e-bank account information.
6. a kind of electronic banking instrument according to claim 1 is characterized in that, the described user of e-bank of user certificate module stores is no less than 2 safety certificate.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100890479A CN101964103A (en) | 2009-07-22 | 2009-07-22 | Electronic banking tool |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100890479A CN101964103A (en) | 2009-07-22 | 2009-07-22 | Electronic banking tool |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101964103A true CN101964103A (en) | 2011-02-02 |
Family
ID=43516966
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN2009100890479A Pending CN101964103A (en) | 2009-07-22 | 2009-07-22 | Electronic banking tool |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN101964103A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106952091A (en) * | 2017-04-05 | 2017-07-14 | 恒宝股份有限公司 | A kind of Internet of Things payment devices and its method of work |
-
2009
- 2009-07-22 CN CN2009100890479A patent/CN101964103A/en active Pending
Non-Patent Citations (1)
| Title |
|---|
| 王卫平: "工行用"U盾"为网上银行护航", 《中国税务报》 * |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106952091A (en) * | 2017-04-05 | 2017-07-14 | 恒宝股份有限公司 | A kind of Internet of Things payment devices and its method of work |
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Application publication date: 20110202 |