CN102469081A - Method, equipment and system for operating smart card - Google Patents

Method, equipment and system for operating smart card Download PDF

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Publication number
CN102469081A
CN102469081A CN2010105412264A CN201010541226A CN102469081A CN 102469081 A CN102469081 A CN 102469081A CN 2010105412264 A CN2010105412264 A CN 2010105412264A CN 201010541226 A CN201010541226 A CN 201010541226A CN 102469081 A CN102469081 A CN 102469081A
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China
Prior art keywords
card
intelligent cards
user terminal
service server
operation requests
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Granted
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CN2010105412264A
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CN102469081B (en
Inventor
崔宗麟
黄更生
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China Mobile Communications Group Co Ltd
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China Mobile Communications Group Co Ltd
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Priority to CN201010541226.4A priority Critical patent/CN102469081B/en
Publication of CN102469081A publication Critical patent/CN102469081A/en
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Abstract

The embodiment of the invention discloses a method, a system and equipment for operating a smart card. The system comprises a user terminal and a virtual terminal, wherein the user terminal is used for logging in a card service server through a configured card service client, and sending a smart card operating request; the card information of the smart card is read by a reader according to a card operation instruction of the virtual terminal, and is transmitted to the virtual terminal; the virtual terminal is used for transmitting the card operation instruction to the user terminal after receiving the operating request, and interacting the card service server according to the card information transmitted by the user terminal to perform operation corresponding to the operating request on the smart card. By the embodiment, the smart card can be operated by a common user terminal.

Description

Intelligent cards method of operating, equipment and system
Technical field
The present invention relates to the communications field, relate in particular to a kind of intelligent cards method of operating, equipment and system.
Background technology
The integrating with close range communication technology is one of current hot spot technology in the portable terminal; Can be through the short distance wireless communication technology so that portable terminal is expanded communication interface outside mobile communication interface, make portable terminal with mobile network communication outside had means of communication again.Short-range communication has the incomparable advantage of mobile communication; For example can utilize the short distance wireless communication technology to realize novel business such as payment, public transport, gate inhibition, garage management, characteristics such as the individualizing of the characteristics of wireless near field communication and portable terminal, portability can form organic the combination.
In order to realize integrating with close range radio communication function on the portable terminal, normally common IC (Integrated Circuit, integrated circuit) is blocked outer being attached on the mobile phone in the prior art; Its radio-frequency module and safety chip are all realized at IC-card; Itself and SIM cards of mobile phones do not have communication interface, because this scheme cost is low, almost do not have user's threshold; Promotion business is adopted by numerous mobile operator at present fast.But, since the outer IC-card that pastes not with the communication interface of SIM, the user can't pass through the inquiry into balance of visual STK (SIM Tool Kit, STK) realization card, function such as supplement with money in the air.In order to solve the business function that lacks because there not being air interface; The solution of main flow is that special-purpose POS facility are set in the business hall of operator at present; These POS facility provide the card inquiry into balance, function such as supplement with money in the air; But this method needs the user to specifying the site to operate, and has lost the characteristics of mobile e-business mobility, convenience.
Summary of the invention
The embodiment of the invention provides a kind of intelligent cards method of operating, equipment and system, makes the user carry out the card operation to intelligent cards through the domestic consumer terminal.
The embodiment of the invention provides a kind of intelligent cards operated system, comprises user terminal and virtual terminal, wherein
Said user terminal is used for the card service customer end login card service server through configuration, the operation requests of sending said intelligent cards; Read the card image of said intelligent cards according to the card operational order of said virtual terminal through said card reader/writer, the card image of said intelligent cards is sent to said virtual terminal;
Said virtual terminal; After being used to receive the operation requests of said intelligent cards; Send the card operational order to said user terminal; The card image and the card service server of the said intelligent cards that sends according to said user terminal are mutual, and said intelligent cards is carried out the operation corresponding with said operation requests.
The embodiment of the invention provides a kind of application server, comprising:
Transmit-Receive Unit is used to receive the operation requests of said intelligent cards, sends the card operational order to said user terminal, receives the card image of the said intelligent cards that said user terminal sends;
Processing unit, the said card image and the card service server that are used for sending according to said user terminal are mutual, and said intelligent cards is carried out the operation corresponding with said operation requests.
The embodiment of the invention provides a kind of intelligent cards method of operating, comprising:
Steps A, user terminal is through the card service customer end login card service server of configuration, the operation requests of sending said intelligent cards according to the card operation pages;
Step B; After virtual terminal receives the operation requests of said intelligent cards; Send the card operational order to said user terminal; The card image of the said intelligent cards that sends according to said user terminal, mutual with the card service server, said intelligent cards is carried out the operation corresponding with said operation requests.
Compared with prior art, the embodiment of the invention has the following advantages at least:
In the embodiment of the invention; The operation requests that user terminal sends intelligent cards through client login card service server; And to virtual terminal transmission card image, mutual by virtual terminal and card service server, intelligent cards is carried out the operation corresponding with operation requests; Because low to the user terminal requirement, the user can realize the card operation through the domestic consumer terminal.
Description of drawings
Fig. 1 is the structural representation of the intelligent cards operated system that provides of the embodiment of the invention one;
Fig. 2 be in the intelligent cards operated system that provides of the embodiment of the invention two each level and between concern sketch map;
Fig. 3 is the structural representation of the virtual terminal that provides of the embodiment of the invention two;
Fig. 4 is the network architecture sketch map of the virtual terminal that provides of the embodiment of the invention two;
Fig. 5 is the applied network scenarios sketch map of intelligent cards method of operating that the embodiment of the invention three provides;
Fig. 6 accomplishes IC-card process sketch map at line service under the B/S framework in the embodiment of the invention three;
Fig. 7 is the online recharging service process of a mobile phone wallet sketch map in the embodiment of the invention three;
Fig. 8 and Fig. 9 are that mobile phone wallet is supplemented page sketch map with money in the online recharging service process of mobile phone wallet shown in Figure 7.
Embodiment
To combine the accompanying drawing in the embodiments of the invention below, the technical scheme in the embodiments of the invention is carried out clear, intactly description, obviously, the embodiments described below only are the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills are not making the every other embodiment that is obtained under the creative work prerequisite, all belong to the scope of embodiments of the invention protection.
Embodiment one
The embodiment of the invention one provides a kind of intelligent cards operated system, and is as shown in Figure 1, comprises noncontact portable terminal 10, card reader/writer 20, user terminal 30, virtual terminal 40 and card service server 50, wherein
Said user terminal 30 is used for the card service customer end login card service server through configuration, the operation requests of the operation of card operation pages being sent said intelligent cards according to the user; Read the card image of said intelligent cards according to the card operational order of said virtual terminal through said card reader/writer, the card image of said intelligent cards is sent to said virtual terminal;
Said virtual terminal 40; After being used to receive the operation requests of said intelligent cards; Send the card operational order to said user terminal; The card image and the card service server of the said intelligent cards that sends according to said user terminal are mutual, and said intelligent cards is carried out the operation corresponding with said operation requests.
Said card service server 50 is used for:
Send the authentication request of said intelligent cards to said virtual terminal;
After receiving the authentication success message of said virtual terminal transmission, in said user terminal displays card operation pages; Otherwise, show the information that reports an error.
Said virtual terminal 40 also is used for:
Receive the authentication request that said card service server sends to said intelligent cards;
Judge according to pre-configured key whether said intelligent cards is legal, and send judged result to said card service server.
Said virtual terminal 40 also is used for:
After receiving the operation requests of said intelligent cards, send the checking request, verify whether said operation requests is legal to said card service server;
When verifying that the result is legal, hair card operational order under said user terminal.
Embodiment two
The embodiment of the invention two provides a kind of intelligent cards operated system, and on architectural framework, this system is by operation layer; Client layer; Mechanical floor and card layer constitute, and wherein operation layer comprises application platform and virtual terminal, and client layer is made up of user terminal program or user terminal plug-in unit (corresponding to the card service customer end among the embodiment one); Mechanical floor is that the individual moves card-reading apparatus, and the card layer is an intellective IC card (the perhaps portable terminal for having the contactless communication function) of supporting mobile phone wallet professional.Wherein, the card service customer end of client layer can externally provide service with terminal program (C/S framework) and two kinds of forms of browser plug-in (B/S framework).As shown in Figure 2, the relation between each level reaches in this system is:
IC-card by the intellective IC card that the professional card issuer of mobile phone wallet provides, comprises the non-contact card of mobile phone wallet service application.
The individual moves POS (corresponding to the card reader/writer among the embodiment one), is the home-use card reader/writer of writing of band USB interface (using the HID agreement to be connected communication with PC).This card reader/writer can built-in security module, realizes authenticating user identification and transaction data or route protection.
The user terminal program is installed in the client-side program on the individual PC under the C/S framework.This program mainly realizes 2 functions of operation flow and IC-card operation: 1), represent all kinds of professional page of application platform through the mode of embedded IE browser plug-in, and receive the IC-card remote operation instruction that application platform is sent; 2), the IC-card remote operation instruction sent according to application platform, set up and be connected, and the mobile POS of IC-card remote operation instruction operation individual that issues according to virtual terminal, the remote transaction of completion IC-card with virtual terminal communication.
User terminal plug-in unit (like the browser ActiveX control) is the IE browser plug-in that is deployed under the B/S structure on the individual PC.Application platform moves POS through its issue page embedded JS script and this control traffic operation individual, accomplishes the IC-card remote transaction.Different with the user terminal program, the user terminal plug-in unit does not directly connect and communicates by letter with virtual terminal, but realizes that the individual moves the POS operation, all with the work of virtual terminal communication by page script (as using the Ajax technology) completion.
Virtual terminal is the application server that operates in operation layer, mainly realizes the IC-card remote operation.From the preposition angle of IC-card business platform, virtual terminal is a large-scale IC-card service terminal, but the many transactions of parallel processing.Virtual terminal obtains service order from application platform; Decomposite one group of IC-card operational order; Through connected user terminal (control) instruction is issued to IC-card; Receive the IC-card response data that user terminal (control) reports, and judge the operation of IC-card response data decision trailer card, accomplish up to transaction.After no matter successfully the IC-card transaction accomplished (still failure), virtual terminal returned transaction results to the application platform of assigning instruction to it, by application platform decision follow-up business flow process.
Application platform, the application server that operation is professional is the implementor of service logic and the supplier of user interface.The operation flow of all IC-card remote transactions and operational order all have this platform management and issue.
Professional front-end system and backstage operation system are responsible for the instruction that the long-range card of process user is operated, and comprise that IC-card is supplemented with money in the air, online consumption etc.
Wherein, the structure of virtual terminal is as shown in Figure 3, comprising:
Transmit-Receive Unit 31 is used to receive the operation requests of said intelligent cards, sends the card operational order to user terminal, receives the card image of the said intelligent cards that said user terminal sends;
Processing unit 32, the said card image and the card service server that are used for sending according to said user terminal are mutual, and said intelligent cards is carried out the operation corresponding with said operation requests.
Said Transmit-Receive Unit 31 also is used for: receive the authentication request to said intelligent cards that said card service server sends;
Also comprise authentication ' unit 33, be used for judging according to pre-configured key and said authentication request whether said intelligent cards is legal.
Also comprise authentication unit 34, be used for after said Transmit-Receive Unit 31 receives said operation requests, send the checking request, verify whether said operation requests is legal to said card service server;
Said processing unit 32 also is used for: when the checking result of said authentication unit when legal, send the card operational order to said user terminal.
Said processing unit 32 also is used for:
Confirm corresponding card service server according to said operation requests;
Send the card operation requests to said definite card service server, wherein carry the identification information of said intelligent cards.
The framework of this virtual terminal is as shown in Figure 4, comprising:
Access Layer: mainly be responsible for packet sending and receiving with user terminal (being pc client or browser plug-in).
Business treatment: Business treatment is made up of a business processing manager and a plurality of different service process device; Business processing manager is called the different service process device according to different service; And a plurality of modules are arranged in the operational processor; Be specifically responsible for respectively and supplement with money, consumption etc. specifically transaction are also got in touch to obtain transaction data with corresponding acting server.Therefore, virtual terminal can be according to a plurality of business platforms of the parallel access of professional actual needs.
Agent layer: acting server is divided into application proxy and POS agency, uses the front platform communication with application platform and IC respectively.According to the expansion of business, can laterally hang up a plurality of acting servers and different platforms communication.
In the embodiment of the invention, virtual terminal is realized all card operating processes, and the user terminal that operates on the PC is used to represent application interface, and fit applications Platform Implementation operation flow realizes the card operation according to the virtual terminal operating equipment, accomplishes business transaction.
In the system that the embodiment of the invention provides, service logic and card operation logic realize at virtual terminal that all user terminal program or plug-in unit and service application are irrelevant, and it is stable to help user terminal, less code update, and the trouble of program upgrade promotes user experience; Virtual terminal is equal to an entity POS, has both reduced the business platform improvement cost, has also avoided the difficulty and the management complexity at the preposition a large amount of access individual subscribers of business platform terminal, is convenient to business platform to the POS unified management.Virtual terminal can dock with different application platforms, thereby can expand to the ability that different service (only mobile phone wallet is not professional) provides the remote operation card.
Embodiment three
Based on the intelligent cards operated system that embodiment one and two provides, present embodiment three provides a kind of intelligent cards method of operating, and in conjunction with network scenarios shown in Figure 5, it is as shown in Figure 6 in the process of line service under the B/S framework, to accomplish an IC-card, comprising:
Step 601; The user uses browser (or the embedded browser of user terminal program) to get into operation system from the page that business platform provides; Lead completion operation flow (for example import recharge amount, supplement mode etc. with money) by application platform, and finally assign the card remote task to browser by application platform.Concrete, this card remote task is a series of page operation.
Step 602, user terminal is intercepted and captured the card remote task, initiates the card remote operation request to virtual terminal.
Concrete, store the address information at corresponding virtual terminal in the user terminal in advance, and after intercepting and capturing the card remote task, send the card remote operation request to the corresponding virtual terminal.
Step 603, virtual terminal should be instructed to the application platform checking, and obtain this task particular content according to the card remote task of sending on the user terminal.
For example, the corresponding relation of virtual terminal recording user terminal and card remote task to this card remote task of application platform inquiry, for example sends the identification information of user terminal according to this corresponding relation.The corresponding relation of application platform storage user terminal and card remote task; After receiving the inquiry of virtual terminal; The card remote task corresponding with user terminal sent to virtual terminal, supply virtual terminal that the authenticity of the card remote task of user terminal is verified.
Step 604, virtual terminal returns the business tine of card remote task according to application platform, assigns the card operational order to user terminal.
Step 605, user terminal are received the card operational order that virtual terminal sends, and transmit this and instruct the individual to move card-reading apparatus, and the card return data is reported virtual terminal.
Step 606, virtual terminal is confirmed operating result and subsequent operation according to card feed return data on the user terminal.
Concrete, mutual after virtual terminal obtains card image according to card image and backstage, the execute card remote task.
Step 607, after the card remote task was accomplished, virtual terminal was with the result notification application platform, and informing user terminal card remote task is accomplished simultaneously.
Step 608, user terminal are obtained result and the follow-up business flow process (demonstration subsequent page) that this card remote task is carried out to application platform after receiving the card remote task completion notice of virtual terminal transmission.
Be example with the online recharging service of mobile phone wallet below, describe the noncontact portable terminal card method of operating that the embodiment of the invention provides, as shown in Figure 7, this method comprises:
Step 701, user terminal gets into mobile phone wallet and supplements the page with money, and page prompts " uses the USB connecting line that mobile phone wallet is connected on the PC ".The concrete form that this page shows is as shown in Figure 8.
Step 702 after completion mobile phone wallet USB interface connects PC, is clicked and is confirmed, business platform sends to virtual terminal and asks, and the request virtual terminal carries out authentication to mobile phone wallet, to confirm the mobile phone wallet identity information.
Concrete; The authentication information of pre-configured mobile phone wallet in the virtual terminal; For example PKI or other information, after the authentication request that receives business platform, virtual terminal carries out authentication according to this authentication request to mobile phone wallet; It is pre-conditioned whether the identification information of inquiry mobile phone wallet meets, and for example inquires about the sign of mobile phone wallet and judge whether this mobile phone wallet is the mobile phone wallet of operator's type that virtual terminal allowed.
Step 703, virtual terminal is accomplished after the authentication of mobile phone purse identity, mobile phone wallet is used sequence number (or wallet number of the account) return business platform.
Need explanation, do not use sequence number or internal authentication failure if virtual terminal obtains mobile phone wallet, the result informs application platform with authentification failure, and application platform reports an error at the user terminal displays page, and online recharge procedure stops.
Step 704, business platform are confirmed the binding relationship between this mobile phone wallet and the mobile-phone payment main account on the backstage after obtaining mobile phone wallet application sequence number.Do not bind if wallet carries out the mobile-phone payment main account, then online supplementing with money can not be carried out, and the page reports an error.After business platform is confirmed mobile-phone payment main account and mobile phone wallet binding relationship, business platform will be supplemented the page with money in user terminal displays.It is as shown in Figure 9 that this supplements the page with money.
Step 705, the user imports to mobile phone wallet recharge amount and mobile-phone payment main account PIN as required, clicks ACK button.
Step 706, system shows that to the user mobile phone wallet supplements the affirmation page with money, the user confirms that this supplements with money to click and confirms.
Step 707, the wait page is returned in the WEB application service, does not have any button, and the user is in wait state.
Concrete, the user confirms to use mobile phone wallet to bind the mobile-phone payment main account after wallet is supplemented operation with money, and the page shows and please the user wait for.Business platform at first carries out the operation of withholing of mobile-phone payment main account fund account, the failure if the mobile-phone payment main account is withholdd, and mobile phone wallet is online supplements failure with money, and the page reports an error; The mobile-phone payment main account is withholdd after the success, and business platform requires virtual terminal that mobile phone wallet is supplemented with money operation.
Step 708, virtual terminal is supplemented with money mobile phone wallet.
Concrete, virtual terminal sends the wallet charging request according to the mobile phone wallet charging information that obtains to the professional front-end system of the IC-card on backstage.The professional front-end system of IC-card is made response, will supplement with money and confirm that the result sends to virtual terminal.Virtual terminal confirms that according to this result sends instruction to user terminal, and user terminal is supplemented operation through card reader/writer with money to mobile phone wallet.
Step 709, after virtual terminal completion IC-card wallet was supplemented operation with money, to business platform return interface, business platform showed recharging result to the user.Supplement completion with money.
Concrete, in the embodiment of the invention, can adopt asymmetric-key encryption to guarantee the fail safe of concluding the business.For example; Move among the POS the prefabricated in advance server certificate of being provided by virtual terminal before granting, move when POS starts needs the user to import PIN at every turn, and this PIN is encrypted by the key that the security module that moves POS generates; This key is encrypted by the server public key of virtual terminal granting simultaneously; Transaction data is through sending virtual terminal on the SSL passage, and virtual terminal is deciphered moving the data of sending on the POS with privacy key, with safeguard protection and the authentication that realizes whole transaction.
In the embodiment of the invention, move POS card reader and pc client, the friendly interactive interface based on PC is provided, the outer shortcoming of pasting operations such as card does not have alternately or can only inquire about, supplement with money in the appointment site of solution through the individual.Through the operation that the individual moves POS and mobile virtual, the inquiry of off line card, online consumption are provided, onlinely multiple mobile phone wallet correlation function such as supplement with money, do not solved paste card not and the SIM interface, lack the shortcoming of aerial function.Through the design of virtual terminal, give operation layer virtual terminal with all in the card operating process of line service with business platform and realize, thereby make operation layer and card operation layer separately; Be convenient to the adjustment of business development and card operating process, increase the platform flexibility, simultaneously; User terminal program or plug-in unit and service application are irrelevant, and it is stable to help user terminal, less code update; The trouble of program upgrade promotes user experience.At utmost simplify the hardware structure and the design of IC-card sheet, thereby the low cost of realization can be promoted fast.Abandon contactless communication mode, make the communication distance of contactless communication effectively be controlled in the tolerance interval based on hyperfrequency.
Through the description of above execution mode, those skilled in the art can be well understood to the present invention and can realize by the mode that software adds essential general hardware platform, can certainly pass through hardware, but the former is better execution mode under a lot of situation.Based on such understanding; The part that technical scheme of the present invention contributes to prior art in essence in other words can be come out with the embodied of software product; This computer software product is stored in the storage medium; Comprise some instructions with so that computer equipment (can be personal computer, server, the perhaps network equipment etc.) carry out the described method of each embodiment of the present invention.
It will be appreciated by those skilled in the art that accompanying drawing is the sketch map of a preferred embodiment, module in the accompanying drawing or flow process might not be that embodiment of the present invention is necessary.
It will be appreciated by those skilled in the art that the module in the device among the embodiment can be distributed in the device of embodiment according to the embodiment description, also can carry out respective change and be arranged in the one or more devices that are different from present embodiment.The module of the foregoing description can be merged into a module, also can further split into a plurality of submodules.
The invention described above embodiment sequence number is not represented the quality of embodiment just to description.
More than disclosedly be merely several specific embodiment of the present invention, still, the present invention is not limited thereto, any those skilled in the art can think variation all should fall into protection scope of the present invention.

Claims (12)

1. an intelligent cards operating system is characterized in that, comprises user terminal and virtual terminal, wherein
Said user terminal is used for the card service customer end login card service server through configuration, the operation requests of sending said intelligent cards; Read the card image of said intelligent cards according to the card operational order of said virtual terminal through card reader/writer, the card image of said intelligent cards is sent to said virtual terminal;
Said virtual terminal; After being used to receive the operation requests of said intelligent cards; Send the card operational order to said user terminal; The card image and the card service server of the said intelligent cards that sends according to said user terminal are mutual, and said intelligent cards is carried out the operation corresponding with said operation requests.
2. the system of claim 1 is characterized in that, said card service server is used for:
Send the authentication request of said intelligent cards to said virtual terminal;
After receiving the authentication success message of said virtual terminal transmission, in said user terminal displays card operation pages; Otherwise, show the information that reports an error.
3. system as claimed in claim 2 is characterized in that, said virtual terminal also is used for:
Receive the authentication request that said card service server sends to said intelligent cards;
Judge according to pre-configured key whether said intelligent cards is legal, and send judged result to said card service server.
4. the system of claim 1 is characterized in that, said virtual terminal also is used for:
After receiving the operation requests of said intelligent cards, send the checking request, verify whether said operation requests is legal to said card service server;
When verifying that the result is legal, hair card operational order under said user terminal.
5. an application server is characterized in that, is applied in each described system of claim 1-4 as virtual terminal, and said application server comprises:
Transmit-Receive Unit is used to receive the operation requests of said intelligent cards, sends the card operational order to said user terminal, receives the card image of the said intelligent cards that said user terminal sends;
Processing unit, the said card image and the card service server that are used for sending according to said user terminal are mutual, and said intelligent cards is carried out the operation corresponding with said operation requests.
6. application server as claimed in claim 5 is characterized in that,
Said Transmit-Receive Unit also is used for: receive the authentication request to said intelligent cards that said card service server sends;
This application server also comprises authentication ' unit, is used for judging according to pre-configured key and said authentication request whether said intelligent cards is legal.
7. application server as claimed in claim 5 is characterized in that, also comprises authentication unit, is used for after said Transmit-Receive Unit receives said operation requests, sends the checking request to said card service server, verifies whether said operation requests is legal;
Said processing unit also is used for: when the checking result of said authentication unit when legal, send the card operational order to said user terminal.
8. like each described application server of claim 5-7, it is characterized in that said processing unit also is used for:
Confirm corresponding card service server according to said operation requests;
Send the card operation requests to said definite card service server, wherein carry the identification information of said intelligent cards.
9. an intelligent cards method of operating is characterized in that, comprising:
Steps A, user terminal is through the card service customer end login card service server of configuration, the operation requests of sending said intelligent cards;
Step B; After virtual terminal receives the operation requests of said intelligent cards; Send the card operational order to said user terminal; The card image of the said intelligent cards that sends according to said user terminal, mutual with the card service server, said intelligent cards is carried out the operation corresponding with said operation requests.
10. method as claimed in claim 9 is characterized in that, before the step B, also comprises:
Step C, said card service server sends the authentication request of said intelligent cards to said virtual terminal;
Step D, said virtual terminal receives the authentication request of said intelligent cards, judges according to pre-configured key whether said intelligent cards is legal, and sends judged result to said card service server;
Step e, receive the authentication success message that said virtual terminal sends after, said card service server shows the card operation pages; Otherwise, show the information that reports an error.
11. method as claimed in claim 9 is characterized in that, the operation requests that said virtual terminal receives said intelligent cards also comprises afterwards: send the checking request to said card service server, verify whether said operation requests is legal; When verifying that the result is legal, send said card operational order to said user terminal.
12., it is characterized in that the card image of the said intelligent cards that sends according to said user terminal comprises with the card service server alternately like each described method of claim 9-11:
Confirm corresponding card service server according to said operation requests;
Send the card operation requests to said definite card service server, wherein carry the identification information of said intelligent cards.
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