CN102542323A - Multifunctional visual intelligent card - Google Patents

Multifunctional visual intelligent card Download PDF

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Publication number
CN102542323A
CN102542323A CN2011102765786A CN201110276578A CN102542323A CN 102542323 A CN102542323 A CN 102542323A CN 2011102765786 A CN2011102765786 A CN 2011102765786A CN 201110276578 A CN201110276578 A CN 201110276578A CN 102542323 A CN102542323 A CN 102542323A
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China
Prior art keywords
card
function
electronic paper
otp
usbkey
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Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN2011102765786A
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Chinese (zh)
Inventor
周江瑜
兰天
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Beijing CEC Huada Electronic Design Co Ltd
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Beijing CEC Huada Electronic Design Co Ltd
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Priority to CN2011102765786A priority Critical patent/CN102542323A/en
Publication of CN102542323A publication Critical patent/CN102542323A/en
Pending legal-status Critical Current

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Abstract

The invention provides a multifunctional visual intelligent card and relates to the field of application of a USBKEY (Universal Serial Bus Key), an OTP (One Time Password) dynamic password and a financial IC (Integrated Circuit) card. The invention provides the visual intelligent card which is integrated with functions of the USBKEY, an OTP and the financial IC card. Three carriers can be combined, the functions of an OTP dynamic password card, the financial IC card and the USBKEY are implemented by one carrier, and a user conveniently selects to use the functions. According to the invention, by a battery, keys and visual electronic paper which are embedded in the intelligent card, the functions of the generation and display of the OTP dynamic password, the information input and authentication of the USBKEY in the authentication process and the display and query of electronic cash balance of the financial IC card are implemented.

Description

A kind of multi-functional visible intelligent card
Technical field
The present invention relates to merge the application of the visible intelligent card system of USBKEY and hardware OTP dynamic password and financial IC card function, include but are not limited to this field.
Background technology
Financial IC card is with the bank card of chip as safety storing and working medium, has encapsulated the intelligent card chip that has microprocessor, safe processor and storer in the card.This chip computing power is high, and the security protection ability is strong, and memory capacity is big, but the information that storage key, digital certificate, fingerprint etc. need protection, the multiple application software of operation that also can safety.Compare with the magnetic stripe card of present use, security improves greatly, also more value-added services can be provided.The standard of financial IC card mainly is to use the more EMV standard and the PBOC2.0 standard of China Unionpay in the world.Present China is promoting the granting of financial IC card, substitutes magnetic stripe card by financial IC card and realizes borrowing or lending money the ability of citing sb. for meritorious service, and has increased expanded functions such as electronic cash and stored value card simultaneously again.
USBKEY is a kind of safety equipment; The inner intelligent card chip that has microprocessor, safe processor and storer that also encapsulated; This chip computing power is high, and the security protection ability is strong, and memory capacity is big; But the information that storage key, digital certificate, fingerprint etc. need protection also can the safe multiple application software of operation.When USBKEY is applied to financial business, is mainly used in and deposits user certificate, realize authentication and data security function when network bank business based.USBKEY also can be applicable to other fields that need carry out authentication and data encryption.
Hardware OTP dynamic password equipment also is a kind of safety equipment, is widely used in fields such as Web bank, E-Government, ecommerce, and " middle capable e makes " Token based on the time synchronized type of Bank of China's distribution is more typically arranged.It adopts the AES generation multidigit dynamic data based on the OATH standard to carry out the mode authentication of one-time pad.Dynamic data generally adopts LCD display to show.
The issued by banks financial IC card is used on specialized equipments such as ATM/POS, realizing bank service at present; Simultaneously also issue USBKEY and OTP Token, be used for realizing on the internet authentification of user and data encryption service.Though all be in order to realize user's banking and since this three with separately independently carrier issue respectively, need the user to handle respectively and carry simultaneously, both caused the user to use inconvenience, caused the waste of equipment waste and user's money simultaneously again.
Consider that financial IC card and USBKEY have encapsulated the intelligent card chip of each processing power of tool and security capabilities, and in its ISO7816 contact, VCC, GND reusable be USB power supply, pin; Simultaneously C4, two reserved contacts of C8 can be used to draw the D+ and the D-signal of USB interface, therefore can merge financial IC card and USBKEY is an one.
Further contemplating the OTP dynamic password has by key control and Presentation Function; The USBKEY of a new generation also has by key control and Presentation Function; And the electronic cash function of defined in the PBOC agreement; As a kind of small amount payment; Has the demand that remaining sum shows, consumes record queries; Therefore can realize that simultaneously the remaining sum of generation of OTP password and demonstration, USBKEY authentication information of new generation input, affirmation and demonstration and financial IC card shows and consumption record queries function with accomplishing on the smart card by key control and Electronic Paper Presentation Function.
Summary of the invention
The present invention proposes the visible intelligent card system of a kind of USBKEY of fusion and OTP and financial IC function, can realize merging above-mentioned three functions by enough carriers; And can let the user select to use above-mentioned functions freely.
Multifunctional visible smart card according to the invention comprises that having card M1 and a switching device M2 of exposing the ISO7816 interface constitutes; Wherein comprise two parts of main control unit K1 and adjunct unit K2 in the middle layer of card M1.The end of switching device M2 is used to connect the ISO7816 hard contact that exposes on the card, and the other end is the USB interface form, is used for being linked into the terminal with USB function.The main control unit K1 in card M1 middle layer includes the chip with security algorithm, is used for realizing the function such as authentication and data encryption of debt-credit note, electronic cash and the USBKEY of financial IC card; Adjunct unit K2 comprises that Electronic Paper shows module, Electronic Paper chip for driving module, hull cell module, antenna modules, button control die set, is used to realize data and the symbol display on the Electronic Paper.OTP algorithm function module can be embedded in main control unit or the Electronic Paper chip for driving.
Said card is with when the contact terminals with ISO7816 interface is connected, and the main control chip in the main control unit is communicated by letter with contact terminals, realizes the functions such as debt-credit note of financial IC card.
Said card can be realized the electronic cash function of financial IC card when being connected with the contact terminals with ISO7816 interface or getting into the work field intensity at noncontact terminal.Electronic cash balance data in the main control chip is delivered among the NVM of Electronic Paper chip for driving, and is shown on the Electronic Paper.
Said card disengage or noncontact terminal situation under, can realize OTP function and electronic cash inquiry into balance function by hull cell power supply.The user is input to OTP algorithm function module by the signal that the OTP key produces, and produces dynamic password, and exports to the Electronic Paper driver module, on Electronic Paper, shows.The signal that the user produces by inquiry button is input in the Electronic Paper chip for driving and reads NVM, and exports to the Electronic Paper driver module, on Electronic Paper, shows.OTP key and query key can be multiplexing with the USBKEY function key.
Main control chip among the said card M1; Set up an ADF and subordinate's thereof data file for the USBKEY function; And distribute a unique SFI and AID, in 1PAY.SYS.DDF01 or MF catalogue data file, generate a record simultaneously to preserve information such as this SFI, AID and path.When system according to the invention was connected to PC or mobile phone, wherein terminal program was selected 1PAY.SYS.DDF01 or MF catalogue data file, then from article one start-of-record reading and recording one by one, up to the record of reading the USBKEY function.After the record of USBKEY function is read at the terminal, have the USBKEY function to user prompt, the user just can select this function then, operates according to the method for application of USBKEY.
Said card M1 with the C1 in 7816 interfaces on the card, C5, C4, these 4 contacts of C8, draws VCC, GND, D+, D-signal, supplies the USB communication to use, and wherein the C1 interface can support 1.8,3.3 and the voltage input of 5V.
Description of drawings
Fig. 1 is for merging the visible intelligent card system schematic of USBKEY and OTP and financial IC card function
Fig. 2 is the functional module group structural drawing in card middle layer
Fig. 3 is that a present invention who has display screen and button realizes synoptic diagram
Embodiment
Visible intelligent card system to a kind of USBKEY of fusion and OTP and financial IC card function is elaborated below in conjunction with accompanying drawing.
Fig. 3 is a kind of product synoptic diagram of the present invention of having realized.M1 described in the figure is for merging the card face and the reverse side of USBKEY and OTP and financial IC card function; M2 described in the figure is a switching device.
Card M1 has function button and Electronic Paper Presentation Function; Card M1 produces the OTP dynamic password through function button, and on Electronic Paper, shows; Card M1 imports the relevant information in the USBKEY verification process through button, and confirms through function button; Card M1 shows the electronic cash account balance through Electronic Paper, and inquires about account consumption record through function button.
Embed 13.56M antenna A1 among the figure among the card M1, be used to realize non-contact application; The positive visible ISO 7816 interface A2 that expose of M1 are used for realizing that contact is used and USB interface is multiplexing.
Antenna A1 among the figure among the card M1 and 7816 interface A2 all with card M1 in embedded smart card main control chip link to each other, this chip possesses functions such as debt-credit note in the financial IC card, electronic cash, also possesses authentication and communication encryption function among the USBKEY; In embedded OTP algorithm, can realize the OTP function.In order to realize the USBKEY function; In this chip, set up an ADF and subordinate's thereof data file for the USBKEY function; And distribute a unique SFI and AID, generate a record simultaneously in 1PAY.SYS.DDF01 under the chip root directory or the MF catalogue data file to preserve information such as this SFI, AID and path.Also be embedded with among the M1 from chip, drive function or only realize that Electronic Paper drives function in order to realize OTP function and Electronic Paper.Only realizing that from chip Electronic Paper drives under the situation of function, the built-in OTP algorithm of master chip is realized the OTP function.
When 7816 interface A2 are multiplexed with USB interface among the figure, with C1, C5, C4, these 4 contacts of C8, draw VCC, GND, D+, D-signal, supply USBKEY to use, wherein the C1 interface can support 1.8,3.3 and voltage input such as 5V.
But card M1 reverse side comprises the electronic paper screen A3 of a character display among the figure.When using, the user is gone up button inputted password through M1 show, and show Net silver execution in step information as USBKEY.Card M1 reverse side comprises 4 film keys among the figure, and A6 is used for Check and Cancel operation (inquiry and cancellation are operated), and A4 is used for numeral input (Num), and A5 is used for the Electronic Paper focal position and moves (Mov), and A7 is used for OTP and OK operation (OTP and affirmation operation).
Breakout box M2 is by adapter B1 among the figure, and patchcord B2 and USB joint B3 constitute.Wherein adapter B1 can touch together with 7816 interface contacts that expose among the M1.
When the user uses system of the present invention on ATM or POS machine, have only card M1 to get final product.
When the user when carrying out small amount payment, have only card M1 to get final product.Disengaging under terminal and the noncontact terminal situation, the user can consume record queries with A6.Whenever press once historical record of retaking of a year or grade.The long displaying contents that will remove Electronic Paper by this key.
When the user need use OTP dynamic password function, under the situation that breaks away from the terminal, just can obtain dynamic password by button A7.The long displaying contents that will remove Electronic Paper by this key.
When the user uses USBKEY function of the present invention on PC or mobile phone, realize through following steps:
1) at first the adapter A3 among the switching device M2 is connected together with 7816 interfaces among the card M1, the USB joint with M2 is inserted in the USB interface of PC or mobile phone then.
2) the Net silver terminal program in PC or the mobile phone is selected 1PAY.SYS.DDF01 or MF catalogue data file, then from article one start-of-record reading and recording one by one, up to the record of reading the USBKEY function.
3) there is the USBKEY function in the Net silver terminal program to user prompt, and after the user selected the USBKEY function, the Net silver terminal program got into USBKEY ADF catalogue according to the path in the record.
4) financial business that will accomplish is selected at the interface of user through the Net silver terminal program; With the transferred account service is example, and the input purpose account number and the amount of money, Net silver terminal program should be concluded the business to order and delivered in the system of the present invention; The prompting user inputs password, and the user is through the input of the button A4 on card M1 password.After the input digit, press A7 and confirm this bit data, this position becomes middle line "-" automatically.After all having imported, confirm by A7.If certain position input is not right, press A5 to the relevant position, with this position input of A6 key cancellation, make amendment by A4 again, if all not right, then with current all input of A6 key cancellation.
5) system of the present invention uses authentication and the encryption function among the USBKEY, with sending to bank's background system behind the data encryption signature, accomplishes Net silver and uses.

Claims (6)

1. multi-functional visible intelligent card is characterized in that: merge USBKEY and hardware OTP dynamic password and financial IC card function, this smart card comprises card M1 and a switching device M2; Wherein there are ISO7816 hard contact, Electronic Paper and film key in the surface of card M1; Comprise two parts of main control unit K1 and adjunct unit K2 in the middle layer of card M1; The end of switching device M2 is used to connect the ISO7816 hard contact that exposes on the card, and the other end is the USB interface form, is used for being linked into the terminal with USB function; The main control unit K1 in card M1 middle layer includes the chip with security algorithm, is used for realizing the function such as authentication and data encryption of debt-credit note, electronic cash and the USBKEY of financial IC card; Adjunct unit K2 comprises that Electronic Paper shows module, Electronic Paper chip for driving module, hull cell module, antenna modules, button control die set, is used to realize data and the symbol display on the Electronic Paper; OTP algorithm function module can be embedded in main control unit or the Electronic Paper chip for driving.
2. like claim 1 described visible intelligent card; It is characterized in that: the financial IC debt-credit note of this card and electronic cash function are moved through the power supply of ISO7816 hard contact interface; When this card is inserted into the contact terminal; The contact terminal is signals such as card provides power supply, resets, clock, and with stick into row communication.
3. like claim 1 described visible intelligent card; It is characterized in that: the OTP function of this card is supplied power through the hull cell group and is moved; OTP push button signalling on the button control die set; Be input to OTP algorithm function module, produce dynamic password after, export to Electronic Paper chip for driving module and show on the module and show in Electronic Paper.
4. like claim 1 described visible intelligent card, it is characterized in that: the electronic cash function of this card can be supplied power by antenna and moved, and gets into the yard persistent erection of contactless card reader as card M1; Antenna is the main control chip power supply, and contactless card reader is communicated by letter with main control chip simultaneously, realizes the business such as consumption of electronic cash; The electronic cash remaining sum outputs in the storer of Electronic Paper chip for driving storage for the consumption record queries from main control chip; Show on the module simultaneously to show, when card disengages or the contactless card reader environment, during the consumption record of offline search electronic cash in Electronic Paper; The hull cell module provides electric energy; Inquiry button signal on the button control die set is input in the Electronic Paper chip for driving module and reads information recorded in the storer, and by showing on the Electronic Paper demonstration module.
5. like claim 1 described visible intelligent card; It is characterized in that being connected with switching device M2 and when USB interface is connected in the terminal with USB function as card M1; Have the USBKEY function to user prompt, the user just can select this function then, according to the method for application of USBKEY at the terminal enterprising line operate; On card, carry out compounding practice simultaneously; After digital input key on the button control die set, acknowledgement key or cancel key were pressed by the user, the signal of generation was input to main control chip and handles, and realized affirmation of authentication and Transaction Information and information input function.
6. like claim 1 described visible intelligent card, it is characterized in that: the OTP function disengages at card under the situation at terminal or noncontact terminal and realizes, its function button can multiplexing USB KEY button; The remaining sum of the electronic cash of financial IC card reads and query function, disengages at card under the situation at terminal or noncontact terminal to realize, its function button can multiplexing USB KEY button.
CN2011102765786A 2010-11-16 2011-09-09 Multifunctional visual intelligent card Pending CN102542323A (en)

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Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102938033A (en) * 2012-10-18 2013-02-20 张仁平 System for enhancing safety of U shield for bank and application method thereof
CN103020695A (en) * 2012-12-28 2013-04-03 北京大唐智能卡技术有限公司 Financial IC (integrated circuit) card and implementation method thereof
CN103595532A (en) * 2013-10-21 2014-02-19 上海动联信息技术股份有限公司 Multi-functional composite password key based on USBKEY and OTP technology
CN103778713A (en) * 2012-10-24 2014-05-07 航天信息股份有限公司 Financial ic card system
CN103871163A (en) * 2012-12-13 2014-06-18 航天信息股份有限公司 Composited financial transaction method and system
CN104218689A (en) * 2014-09-09 2014-12-17 昆腾微电子股份有限公司 Visual card power management device and method
CN104268984A (en) * 2014-09-26 2015-01-07 中国工商银行股份有限公司 Intelligent card supporting off-line query and transaction terminal thereof
CN104463307A (en) * 2013-09-23 2015-03-25 富港电子(东莞)有限公司 Easy card with escaping function and using method thereof
WO2015180578A1 (en) * 2014-05-30 2015-12-03 刘劲彤 Secure payment method for visual financial card
CN105528631A (en) * 2014-09-30 2016-04-27 苏州海博智能系统有限公司 Single-key visual intelligent card and operating method thereof
CN105809012A (en) * 2014-12-31 2016-07-27 北京华大智宝电子系统有限公司 Second-generation USBKey (Universal Serial Bus Key)
CN106779694A (en) * 2016-12-19 2017-05-31 飞天诚信科技股份有限公司 A kind of method and visual intelligent card for inquiring about visible intelligent card inside information
CN106845996A (en) * 2017-01-26 2017-06-13 上海浦江智能卡系统有限公司 Visual intelligent card and the certification method of payment based on the visual intelligent card
CN107066894A (en) * 2017-03-09 2017-08-18 天地融科技股份有限公司 A kind of multifunction intelligent key equipment and its method for executing operating instructions and device
CN108108802A (en) * 2017-12-06 2018-06-01 河北吕望信息科技有限公司 Visible card and its remaining sum display methods

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CN101101638A (en) * 2006-07-07 2008-01-09 三星电子株式会社 Smart card including a plurality of different interfaces
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Cited By (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102938033A (en) * 2012-10-18 2013-02-20 张仁平 System for enhancing safety of U shield for bank and application method thereof
CN103778713A (en) * 2012-10-24 2014-05-07 航天信息股份有限公司 Financial ic card system
CN103871163A (en) * 2012-12-13 2014-06-18 航天信息股份有限公司 Composited financial transaction method and system
CN103871163B (en) * 2012-12-13 2017-05-10 航天信息股份有限公司 Composited financial transaction method and system
CN103020695A (en) * 2012-12-28 2013-04-03 北京大唐智能卡技术有限公司 Financial IC (integrated circuit) card and implementation method thereof
CN104463307A (en) * 2013-09-23 2015-03-25 富港电子(东莞)有限公司 Easy card with escaping function and using method thereof
CN103595532A (en) * 2013-10-21 2014-02-19 上海动联信息技术股份有限公司 Multi-functional composite password key based on USBKEY and OTP technology
WO2015180578A1 (en) * 2014-05-30 2015-12-03 刘劲彤 Secure payment method for visual financial card
CN104218689A (en) * 2014-09-09 2014-12-17 昆腾微电子股份有限公司 Visual card power management device and method
CN104268984A (en) * 2014-09-26 2015-01-07 中国工商银行股份有限公司 Intelligent card supporting off-line query and transaction terminal thereof
CN105528631B (en) * 2014-09-30 2019-06-21 苏州海博智能系统有限公司 A kind of single-button visual intelligent card and its operating method
CN105528631A (en) * 2014-09-30 2016-04-27 苏州海博智能系统有限公司 Single-key visual intelligent card and operating method thereof
CN105809012A (en) * 2014-12-31 2016-07-27 北京华大智宝电子系统有限公司 Second-generation USBKey (Universal Serial Bus Key)
WO2018113449A1 (en) * 2016-12-19 2018-06-28 飞天诚信科技股份有限公司 Method for querying information in visual smart card and visual smart card
CN106779694A (en) * 2016-12-19 2017-05-31 飞天诚信科技股份有限公司 A kind of method and visual intelligent card for inquiring about visible intelligent card inside information
CN106779694B (en) * 2016-12-19 2023-02-28 飞天诚信科技股份有限公司 Method for inquiring information in visual smart card and visual smart card
CN106845996A (en) * 2017-01-26 2017-06-13 上海浦江智能卡系统有限公司 Visual intelligent card and the certification method of payment based on the visual intelligent card
CN107066894A (en) * 2017-03-09 2017-08-18 天地融科技股份有限公司 A kind of multifunction intelligent key equipment and its method for executing operating instructions and device
CN107066894B (en) * 2017-03-09 2019-12-10 天地融科技股份有限公司 Multifunctional intelligent secret key equipment and operation instruction execution method and device thereof
CN108108802A (en) * 2017-12-06 2018-06-01 河北吕望信息科技有限公司 Visible card and its remaining sum display methods
CN108108802B (en) * 2017-12-06 2021-08-13 河北吕望信息科技有限公司 Visual card and balance display method thereof

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Application publication date: 20120704