CN102855565B - Intelligent card capable of remotely changing nonvolatile internal storage value in chip and storage value changing method thereof - Google Patents

Intelligent card capable of remotely changing nonvolatile internal storage value in chip and storage value changing method thereof Download PDF

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CN102855565B
CN102855565B CN 201210285647 CN201210285647A CN102855565B CN 102855565 B CN102855565 B CN 102855565B CN 201210285647 CN201210285647 CN 201210285647 CN 201210285647 A CN201210285647 A CN 201210285647A CN 102855565 B CN102855565 B CN 102855565B
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smart card
stored value
cardholder
chip
remote
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CN 201210285647
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Chinese (zh)
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CN102855565A (en )
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郑延海
程珺
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江苏优因特智能科技有限公司
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Abstract

一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于它是一种可通过远程平台利用卡上键盘或者声音动态密码进行账户额增加或减少的智能卡,它至少包括一个微处理芯片、一个可充电或不可充电的电池以及人机交互界面,所述人机交互界面包括键盘、压电装置或麦克风、一个或多个LED灯。 A remotely change the non-volatile memory chip stored value smart card, characterized in that it is carried out an increase or decrease in the amount of the account card by the smart card using the keypad on the remote platform or sound dynamic password, which comprises at least one micro processing chip, a rechargeable or non-rechargeable batteries as well as man-machine interface, the interactive interface includes a keyboard, a microphone or a piezoelectric device, or a plurality of LED lamps. 本发明的一种可远程更改芯片中非易失性内存储值的智能卡及其储值方法,利用远程系统进行智能卡内账户额度的增加或减少,使用方便便捷,无须依赖特定设备,并且指令的发送和接收具有很好的安全性。 Smart cards and gift method of the present invention can remotely change the chip nonvolatile memory stored value, the remote system using the smart card account the amount of increase or decrease, convenient and easy to use, without relying on a particular device, and instructs the transmission and reception with good security.

Description

—种可远程更改芯片中非易失性内存储值的智能卡及其储值更改方法 - species can be changed remotely chip non-volatile memory stored-value smart card and stored-value change method

技术领域 FIELD

[0001] 本发明涉及智能卡领域,具体是一种可远程更改芯片中非易失性内存储值的智能卡及其储值更改方法。 [0001] The present invention relates to the field of smart cards, in particular a remotely change the non-volatile memory chip in a smart card and stored value gift change method. 本发明涉及接触式或非接触式智能卡通过网络或者电话对账户额进行远程充值,尤其适用于当持卡人不能借助智能卡终端机、刷卡支付终端机或ATM自动终端机或其它各种类型的阅读器对智能卡进行充值的情况下。 The present invention relates to a contact or contactless smart cards for remote recharge the account by the amount or telephone network, especially for when the cardholder smart card terminal means can not, or ATM card payment terminals or other various types of automatic reading terminal the case is the smart card recharge.

背景技术 Background technique

[0002] 智能卡容量大,其工作原理类似于微型计算机,能够同时具备多种功能。 [0002] Smart card capacity, it works like a mini-computer, you can also have a variety of functions. 现在正以其高安全性和多功能应用已成为全球银行卡的发展趋势。 Now its high safety and versatility of application has become the development trend of global bank card.

[0003] 智能卡不仅支持借贷记、电子现金、电子钱包、脱机支付、快速支付等多项金融应用,还可以应用于金融、交通、通讯、商业、教育、医疗、社保和旅游娱乐等多个行业领域,真正实现一卡多能,为客户提供更丰富的增值服务。 [0003] Smart cards not only support lending to remember, electronic cash, electronic wallet, offline payments, fast payments and many other financial applications, can also be applied to multiple financial, transportation, communications, commerce, education, health care, social security and travel and entertainment industries, the real one card can provide customers with a richer value-added services.

[0004]目前,已知的系统均需要读卡器来改变上述智能卡储值数据的账户状态。 [0004] Currently, the known systems require the reader to change the state of the smart card stored value account data. 该发明涉及通过电话和网络以随机加密的方式通过电话和网络通道来改变智能卡储值数据。 This invention relates to encrypted random way to change the smart card and stored-value data over a telephone network and the telephone network channel.

[0005] 事实上,目前尚没有这类产品的记载,但是有类似能够通过电话与远程平台服务器进行信息交互的产品,但是该类产品并不能够独立更改智能卡的储值数据,也就是说,本发明是依靠智能卡自身加载的有源单片机嵌入式系统进行储值的更改。 [0005] In fact, there is currently no record of such products, but there are similar products can exchange information over the telephone with a remote server platform, but these products are not able to change the data stored-value smart card independent, that is to say, the present invention relies on the active single-chip embedded smart card system itself will be loaded stored value changes.

发明内容 SUMMARY

[0006] 本发明提供一种可远程更改芯片中非易失性内存储值的智能卡及其储值更改方法,该智能卡中的非易失性内存进行储值的过程包括:智能卡首先向远程服务器发送一个包含身份信息和储值额度的响应声音信号,远程服务器收到响应信号并进行解码后,向智能卡返回一个应答声音信号,当应答声音信号与最初的响应声音信号相匹配时,则执行修改智能卡的账户额。 [0006] The present invention provides a remotely change the non-volatile memory chip in a smart card and stored value gift Change method, the smart card is a nonvolatile memory for the stored value of the process comprising: a first smart card to a remote server after sending a sound signal in response to the amount of stored value and identity information includes, remote server response signal is received and decoded, it returns a response to the smart card sound signal, when the answer to the original sound signal in response to sound signals match, then perform the modification account the amount of smart cards.

[0007] 本发明的技术方案: [0007] The technical solution of the present invention:

[0008] 一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于它是一种可通过远程平台进行账户额增加或减少的智能卡,它至少包括一个微处理芯片、一个可充电或不可充电的电池以及人机交互界面,所述人机交互界面包括按键、喇叭或麦克风、一个或多个LED 灯。 [0008] A remotely change the non-volatile memory chip stored value smart card, characterized in that it is carried out an increase or decrease in the amount of the account by the remote smart card platform, which includes at least a microprocessor chip, a rechargeable or non-rechargeable batteries as well as man-machine interface, the interactive interface comprises a button, speaker or microphone, or a plurality of LED lamps.

[0009] 所述智能卡可以是接触式(IS07816)智能卡或非接触式智能卡(IS014443)。 The [0009] smart card may be a contact (IS07816) smart cards or contactless smart card (IS014443).

[0010] 所述智能卡上的额度值更改是通过声音信号的传输手段,即使用FSK或DTMF调制方式,利用压电喇叭通过电信网络或互联网来传输随机声音。 [0010] The threshold value is changed on the smart card by means of transmission of a sound signal, i.e., the use of DTMF or FSK modulation scheme, a random sound transmitted over a telecommunications network or the Internet using a piezoelectric horn.

[0011] 所述智能卡上的更改的额度值的选择是通过智能卡上的按钮或键盘操作,也可以是电脑键盘、智能手机、平板电脑或任何种类手机的按键操作。 Select threshold value on the change of [0011] the smart card or keyboard operation by a button on the smart card may be a computer keyboard, smart phone, tablet or any kind of mobile phone key operation. 所述智能卡还可内嵌电子纸或IXD屏幕,芯片内额度值可以通过卡上的屏幕进行显示,或者通过互联网申请浏览,或者通过交互式语音应答系统查询。 The smart card can also be embedded in paper or electronic IXD screen, the amount of chip values ​​can be displayed through the screen on the card, or via the Internet browsing application, or through an interactive voice response system queries.

[0012] 一种可远程更改芯片中非易失性内存储值的方法,其特征是包括以下步骤: [0012] A remotely change the non-volatile memory chip stored value method, which is characterized in comprising the steps of:

[0013] 持卡人通过信息传输网络访问远程服务平台,持卡人通过如权力要求I至6任意之一所述的可远程更改芯片中非易失内存储值的智能卡上集成的按键和键盘向远程服务平台释放一个包含身份认证码和储值的额度值的响应信号。 [0013] cardholder information transmission network via remote access to internet services, such as the cardholder by one of the claims I to 6 can remotely change any chip integrated on the nonvolatile memory stored value smart card keys and keyboard released in response to a signal limit value and stored value contains the authentication code to the remote service platform.

[0014] 远程服务平台接收到上述响应信号之后,进行解码和指令识别,从而确认持卡人的身份认证以及需要充值的额度。 [0014] After the remote service platform receives the response signal and decode the identification command, thereby confirming that the card authentication and the amount required to recharge.

[0015] 远程服务平台对持卡者身份认证码进行解码和指令识别校验通过后,远程服务平台得到更改储值的授权,远程服务平台发出应答信号,该应答信号通过信息传输网络传输给智能卡; [0015] The remote service platform cardholder authentication code decoding instructions and identification verification is passed, the remote service platform is authorized to change the stored value, the remote service platform sent response signal, the response signal transmitted by the information transmission network to the smart card ;

[0016] 智能卡上的监听装置监听并获取上述应答反馈信号; [0016] The listening device on the smart card monitor the response and obtain a feedback signal;

[0017] 最终,持卡人通过智能卡上的键盘对获得的储值的额度值进行验证确认,智能卡的储值成功。 [0017] Finally, the cardholder for verification confirmed the success of the smart card stored value amount value stored-value obtained through the keyboard on the smart card.

[0018] 当持卡人想减少智能卡上的信用点时,也采用相同的机理。 [0018] When the cardholder wants to reduce the credits on the smart card, using the same mechanism.

[0019] 所述信息传输网络为电话通信网络、手机通信网络或互联网。 The [0019] information transmission network is a telephone communication network, mobile communication network or the Internet.

[0020] 所述远程服务平台为IVR交互式声音应答系统。 [0020] The remote service platform for the IVR interactive voice response system.

[0021] 所述响应和应答信号为声音动态信号。 [0021] and the answer signal in response to the dynamic signal into a sound.

[0022] 所述智能卡,其装备了一个柔性印刷电路版,在智能卡利用压电喇叭或麦克风来发送和接受声音、键盘来输入密码或信息并在智能卡上集成一个柔性显示器来显示信息,上述装置均通过一个内部电源用于产生电能来运行整个卡上的操作系统。 [0022] The smart card, which is equipped with a flexible printed circuit board, transmits a piezoelectric speaker or a microphone in a smart card and receiving voice, the keyboard to enter a password or information and integrates a flexible display on the smart card to display information, said apparatus via one of the internal power source for generating electrical energy to run the operating system on the entire card.

[0023] 所述智能卡上的储值或数据通过信息传输网络访问远程服务平台可以被反复加载或卸载。 [0023] The stored value or data on the smart card may be repeatedly loaded or unloaded through the information transmission network to access the remote service platform.

[0024] 所述智能卡上的额度值可以通过电子纸或IXD显示器进行显示,或者通过互联网申请浏览,或者通过交互式应答系统查询,用于验证账户额的增加或减少以及帐户余额。 [0024] limit on the value of the smart card can be displayed by the electronic paper or IXD display, or via the Internet browsing application, or through interactive response system queries, verify the account used to increase or decrease the amount and account balance.

[0025] 信息传输能够采用动态密码技术或其他加密手段保护。 [0025] Information can be transmitted using encryption technology or other dynamic password protection means.

[0026] 所述智能卡上的监听装置为麦克风。 The [0026] listening device is a microphone on a smart card. 只有在智能卡上的键盘上输入正确的密码或者通过智能卡上集成的生物特征传感器有效获取持卡人生物特征后,智能卡的存储额度值才可能被传输和更改。 Only after the correct password is entered on the keyboard or on the smart card via the smart card biometric sensor integrated biometric effective access to the cardholder, the value of the amount of storage available smart card can be transferred and changed.

[0027] 智能卡的额度值的获取可以通过接触界面例如IS07816和/或非接触式界面例如NFC, IS014443或IS015693和/或声音界面和/或显示界面。 Obtaining credit values ​​[0027] of a smart card contact interface by IS07816, for example, and / or non-contact interface, for example, NFC, IS014443 or IS015693 and / or audio interface and / or display interface.

[0028] 本发明因此涉及到一个ISO智能卡,此智能卡上内嵌了一个柔性印刷电路板,此电路板上集成了一个内部电源,用于产生电能来运行整个卡上的操作系统,还集成了喇叭或麦克风来发送和声音、键盘来输入密码或信息,还可以集成一个柔性显示屏来显示信息。 [0028] The present invention therefore relates to an ISO smart card, embedded with a flexible printed circuit board of this smart card, the circuit board incorporates an internal power source for generating electrical energy to run the operating system on the whole card, also integrates or a microphone and speaker to transmit voice, information or keyboard to enter a password, a flexible display screen can be integrated to display the information.

[0029] 本发明的有益效果是: [0029] Advantageous effects of the present invention are:

[0030] 本发明的一种可远程更改智能卡中非易失性内存储值的智能卡及其储值方法,利用远程系统进行智能卡内账户额度的增加或减少,使用方便便捷,无须依赖特定设备,并且指令的发送和接收具有很好的安全性。 [0030] A according to the present invention can remotely change the smart card and smart card stored-value method of the nonvolatile memory stored value, the remote system using the smart card account the amount of increase or decrease, convenient and easy to use, without relying on a particular device, and transmits and receives an instruction having good security. 另外,本发明依靠智能卡自身加载的有源单片机嵌入式系统进行储值的更改。 In addition, the present invention is loaded on its own single-chip embedded system active smart card stored value changes. 附图说明 BRIEF DESCRIPTION

[0031] 图1为本发明的智能卡结构示意图。 [0031] FIG structural diagram of a smart card 1 of the present invention.

[0032] 图2为本发明的智能卡发送响应声音信号到远程服务器的工作原理图。 [0032] FIG. 2 of the present invention the smart card transmits a response to the sound signal operating principle of the remote server.

[0033] 图3为本发明的智能卡接收远程服务器发出的应答声音信号的工作原理图。 FIG sound signal response works smart card [0033] FIG. 3 of the present invention receives a remote server issued.

[0034] 图中:1为智能卡、2为压电喇叭、3为电池、4为显示窗口、5为麦克风、6为键盘、7为电话、8为电信网络、9为远程平台。 [0034] FIG: 1 is a smart card, 2 a piezoelectric loudspeaker, a battery 3, a display window 4, microphone 5, a keyboard 6, 7 of the telephone, the telecommunication network 8, 9 for a remote platform.

具体实施方式 detailed description

[0035] 下面本发明将结合附图中的实施例作进一步的描述: [0035] The invention will be further described in conjunction with the accompanying drawings Example:

[0036] 如图1,是一种可远程更改芯片中非易失性内存储值的智能卡结构,它是一种可通过远程平台利用卡上键盘或者声音信息进行账户额增加或减少的智能卡,它至少包括: [0036] As shown in FIG 1, a smart card may be changes to the structure of the remote memory chip nonvolatile stored value, which is an account for increases or decreases in the smart card using the keyboard on the card or the sound information through remote platform, it includes at least:

[0037] 一个可充电或不可充电的电池,对整个卡上的操作系统进行供电。 [0037] a rechargeable or non-rechargeable batteries, the entire operating system on the card is powered.

[0038] 人机交互界面,包括键盘、压电喇叭和麦克风、一个或多个LED灯。 [0038] The human machine interface, including a keyboard, a piezoelectric speaker and microphone, or a plurality of LED lamps.

[0039] 电子纸或IXD屏幕,来显示存储值的更改和储值余额。 [0039] IXD electronic paper or screen, to display and change the stored value balance stored value.

[0040] 一种可远程更改芯片中非易失性内存储值的方法,其特征是包括以下步骤: [0040] A remotely change the non-volatile memory chip stored value method, which is characterized in comprising the steps of:

[0041] 持卡人通过信息传输网络访问远程服务平台,持卡人通过如权力要求I至6任意之一所述的可远程更改芯片中非易失内存储值的智能卡上集成的按键和键盘向远程服务平台释放一个包含身份认证码和储值的额度值的响应信号。 [0041] cardholder information transmission network by a remote access service platform, such as the cardholder by one of the claims I to 6 can remotely change any chip integrated on the nonvolatile memory stored value smart card keys and keyboard released in response to a signal limit value and stored value contains the authentication code to the remote service platform.

[0042] 远程服务平台接收到上述响应信号之后,进行解码和指令识别,从而确认持卡人的身份认证以及需要充值的额度。 [0042] The remote service platform after receiving the response signal, and decoding instruction identifying, confirming the cardholder's identity and the need to recharge amount.

[0043] 远程服务平台对持卡者身份认证校验通过后,远程服务平台得到更改储值的授权,远程服务平台发出应答信号,该应答信号通过信息传输网络传输给智能卡。 [0043] remote service platform for the cardholder identity verification through remote service platform authorized to change the stored value, the remote service platforms respond with the response signal transmission of information transmitted over the network to the smart card.

[0044] 智能卡上的监听装置监听并获取上述应答信号; [0044] The listening device listening on the smart card and obtain a response signal;

[0045] 最终,持卡人通过智能卡上的键盘对获得的储值的额度值进行验证确认,智能卡的储值成功。 [0045] Finally, the cardholder for verification confirmed the success of the smart card stored value amount value stored-value obtained through the keyboard on the smart card.

[0046] 当持卡人想减少智能卡上的信用点时,也采用相同的机理。 [0046] When the cardholder wants to reduce the credits on the smart card, using the same mechanism.

[0047] 所述信息传输网络为电话通信网络、手机通信网络或互联网。 The [0047] information transmission network is a telephone communication network, mobile communication network or the Internet.

[0048] 所述远程服务平台为IVR交互式声音应答系统。 [0048] The remote service platform for the IVR interactive voice response system.

[0049] 所述响应和应答信号为声音动态密码。 [0049] The response signal in response to sound and dynamic password.

[0050] 所述智能卡,其装备了一个柔性印刷电路版,在智能卡利用压电喇叭或麦克风来传输声音信号、键盘来输入密码或信息并在智能卡上集成一个柔性显不器来显不信息,上述装置均通过一个内部电源来运行整个卡上的操作系统。 [0050] The smart card, which is equipped with a flexible printed circuit board, in the smart card using a piezoelectric speaker or microphone to transmit sound signal, the keyboard to enter a password or information and integrates a flexible substantially not in the smart card to manifest no information, the above-described devices are to run the operating system on the whole card through an internal power supply.

[0051] 所述智能卡上的储值或数据通过信息传输网络访问远程服务平台可以被反复加载或卸载。 [0051] The stored value or data on the smart card may be repeatedly loaded or unloaded through the information transmission network to access the remote service platform.

[0052] 所述智能卡上的额度值可以通过电子纸或IXD显示器进行显示,或者通过互联网申请浏览,或者通过交互式应答系统查询,用于验证账户额的增加或减少以及帐户余额。 [0052] limit on the value of the smart card can be displayed by the electronic paper or IXD display, or via the Internet browsing application, or through interactive response system queries, verify the account used to increase or decrease the amount and account balance.

[0053] 所述信息传输网络能够采用动态密码技术或其他手段加密保护。 The [0053] information transmission network can employ dynamic password encryption techniques or other means.

[0054] 所述智能卡上的监听装置为麦克风。 The [0054] listening device is a microphone on a smart card.

[0055] 本发明的工作原理为:[0056] 举例说明:持卡人持有一张所述接触式或非接触式智能卡(如电卡,煤气卡,电视卡等),目前卡内的余额为0,持卡人希望对该卡充值10元。 [0055] The working principle of the present invention is: [0056] For example: the cardholder's contact or a contactless smart card (e.g., electrical cards, gas cards, TV card, etc.), the balance in the card is 0, cardholders want the recharge card 10 yuan. 用于支付水、电,煤等费用。 Pay for water, electricity, coal and other expenses. 持卡人拨打电话7,并通过电信网络8进入语音自动应答系统,此时持卡人通过智能卡I上的按钮和键盘6操作来释放一个包含持卡人信息和充值额度的响应声音信号,响应信号通过压电喇叭2发出,远程平台9进行响应信号的接收和解码之后,就可以确认持卡人的身份认证以及需要充值的额度。 Cardholders call 7, and the telecommunications network into the voice automated response system 8, when the cardholder is released by a button on the keyboard and I 6 smart card operating a sound signal in response to cardholder information and recharge credits include response 2 signal emitted by a piezoelectric loudspeaker, a remote platform 9 after receiving and decoding the response signal, the cardholder can confirm the identity and the amount required to recharge. 整个过程如图2所示。 The whole process as shown in FIG. 当远程平台9确认持卡人身份的合法性以及充值指令的合理性之后,远程平台9将授权10元的充值并发送一个应答信号给智能卡1,智能卡I上的麦克风5接收声音,随后智能卡I解析声音信息并确认充值,或者远程平台9平台也可以将授权10元的充值以随机密码的方式发送电子邮件或短信给持卡人,整个过程如图3所不。 When the remote platform 9 confirm the legitimacy and rationality of cardholder identity recharge instructions, remote platform 9 would authorize $ 10 prepaid and sends a response signal 1, the microphone 5 receives the voice on the smart card I to the smart card, then the smart card I parsing the voice information and confirm recharge, internet or a remote platform 9 may be authorized $ 10 recharge random manner email, or text password to the cardholder, the whole process is not shown in Figure 3.

[0057] 持卡人也可以通过在智能卡I上的键盘6上输入该随机码来实现充值。 6 enter the random number [0057] The cardholder can also on a smart card designed keyboard I recharge.

[0058] 当持卡人想减少智能卡上的余额时,也采用相同的机理。 [0058] When the cardholder wants to reduce the balance on the smart card, using the same mechanism.

[0059] 本发明的原理还有2种可供选项: [0059] principles of the invention as well as two kinds of options are available:

[0060] 1、电话号码和交互式语音应答系统(IVR)可以是一个通过个人电脑、平板电脑或者智能手机的互联网应用; [0060] 1, phone number and interactive voice response (IVR) system may be a personal computer, tablet or smart phone application through the Internet;

[0061] 2、芯片卡上的账户额的增加或减少,可以不在卡上进行存储,而是在远程的数据 [0061] 2, on account of the amount of increase or decrease in the chip card, can not be stored on the card, but the data in the remote

库存储。 Store.

[0062] 本发明的保护范围涉及任何通过互联网或电话来传输加密随机码的手段进行智能卡远程充值或卸值的技术方案。 [0062] the scope of the present invention relates to any means to transmit the encrypted random number through the Internet or a smart card phone aspect remote recharging or unloading value.

[0063] 上面所述的实施例仅仅是对本发明的优选实施方式进行描述,并非对本发明的构思和范围进行限定,在不脱离本发明设计构思前提下,本领域中普通工程技术人员对本发明的技术方案作出的各种变型和改进,均应落入本发明的保护范围,本发明请求保护的技术内容已经全部记载在权利要求书中。 [0063] The embodiments described above are merely preferred embodiments of the present invention will be described, not for the spirit and scope of the present invention are defined, without departing from the design concept of the present invention is provided, those of ordinary engineering skill in the art of the present invention various modifications to the technical solutions and improvements should fall within the scope of the present invention, the claimed technical contents of the present invention has been fully described in the claims.

Claims (14)

  1. 1.一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于它是一种可通过远程平台利用卡上键盘或者声音信号进行账户额增加或减少的智能卡,它至少包括一个微处理芯片、一个可充电或不可充电的电池以及人机交互界面,所述人机交互界面包括键盘、压电喇叭和麦克风、一个或多个LED灯;使得通过智能卡上的键盘操作来释放一个包含持卡人信息和充值额度的响应声音信号,响应信号通过压电喇叭发出,远程平台进行响应信号的接收和解码之后,就确认持卡人的身份认证以及需要账户额增加或减少的额度;当远程平台确认持卡人身份的合法性以及充值指令的合理性之后,智能卡上的麦克风接收远程平台发送一个应答声音信号。 1. A remotely change the non-volatile memory chip stored value smart card, characterized in that it is carried out an increase or decrease in the amount of accounts smart card using the keyboard to the remote internet card or an audio signal, comprising at least one microprocessor chip, a rechargeable or non-rechargeable batteries as well as man-machine interface, the interactive interface includes a keyboard, a piezoelectric speaker and microphone, one or more LED lights; so released by a keyboard on the smart card after the sound signal containing the response cardholder information and prepaid amount, the response signal emitted by the piezoelectric speaker, remote platform receives and decodes the response signal, to confirm the identity of the cardholder account and the need to increase or decrease the amount of credit; when the remote platform to confirm the legality and reasonableness of the identity of the cardholder top command of the microphone on the smart card to receive a reply remote platform sends voice signals.
  2. 2.根据权利要求1所述的一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于所述智能卡可以是接触式智能卡或非接触式智能卡。 The one of the chip 1 can remotely change the stored value in the nonvolatile memory of the smart card as claimed in claim, characterized in that the smart card may be a contact-type smart cards or contactless smart cards.
  3. 3.根据权利要求1所述的一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于所述智能卡上的额度值通过随机声音信息手段被传输,即使用FSK或DTMF调制方式,利用压电喇叭通过电信网络或互联网传输声音信息。 1 according to one of the chip can remotely change the stored value in the nonvolatile memory of the smart card as claimed in claim, characterized in that the threshold value on the smart card is transmitted by means of random sound information, i.e. using DTMF or FSK modulation way, by using the piezoelectric speaker telecommunications networks or the Internet to transmit sound information.
  4. 4.根据权利要求1所述的一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于所述智能卡上的储值额度的更改可通过智能卡上集成的按钮或键盘操作,也可以通过电脑、智能手机、平板电脑或手机键盘操作。 1 according to one of the chip can remotely change the stored value in the nonvolatile memory of the smart card as claimed in claim, characterized in that the amount of stored value on the smart card may be changed by the integrated keyboard buttons or a smart card, You can also PC, smart phone, tablet or mobile phone keyboard.
  5. 5.根据权利·要求1所述的一种可远程更改芯片中非易失性内存储值的智能卡,其特征在于所述智能卡上还可集成电子纸或LCD屏幕,来显示存储值的更改和储值余额。 A remotely change the chip 1 in the nonvolatile memory stored value smart card as claimed in claim *, wherein said smart card can also be integrated on an electronic paper or an LCD screen, to display and change the stored values stored value balance.
  6. 6.一种可远程更改芯片中非易失性内存储值的方法,其特征是包括以下步骤: 持卡人通过信息传输网络访问远程服务平台,持卡人通过如权利要求1至5任意之一所述的可远程更改芯片中非易失内存储值的智能卡上集成的按钮或键盘向远程服务平台释放一个包含身份认证码和储值的额度值的响应信号;使得通过智能卡上的键盘操作来释放一个包含持卡人信息和充值额度的响应声音信号,响应信号通过压电喇机发出,远程平台进行响应信号的接收和解码之后,就确认持卡人的身份认证以及需要账户额增加或减少的额度;当远程平台确认持卡人身份的合法性以及充值指令的合理性之后,智能卡上的麦克风接收远程平台发送一个应答声音信号; 远程服务平台接收到上述响应信号之后,进行解码和指令识别,从而确认持卡人的身份认证以及需要充值的额度; A remotely change the stored value in nonvolatile memory chip method, which is characterized in comprising the steps of: cardholder information transmission network via a remote access service platform by the cardholder as claimed in any of claims 1 to 5 integrated on a chip according to remotely change the non-volatile memory stored value smart card release button or a keyboard comprising a threshold value and a stored value of the authentication code to the remote service platform in response to the signal; on the keyboard so that the smart card operating after releasing a sound signal containing the response cardholder information and the amount of recharge, the response signal emitted by the piezoelectric La machine, remote platform receives and decodes the response signal, and the need to confirm the identity of the cardholder account the amount of increase or reduce the amount; when the remote platform to confirm the legality and reasonableness of the identity of the cardholder top command of the microphone on the smart card to receive remote voice response platform to send a signal; after remote service platform receives the response signal, decode and instruction recognition, thus confirming the cardholder's identity and the amount needed to recharge; 程服务平台对持卡者身份认证校验通过后,远程服务平台得到更改储值的授权,远程服务平台发出应答信号,该应答信号通过信息传输网络传输给智能卡; 智能卡上的监听装置监听并获取上述应答信号; 最终,持卡人通过智能卡上的键盘对获得的储值的额度值进行验证确认,智能卡的储值成功; 当持卡人想减少智能卡上的信用点时,也采用相同的机理。 Cheng service platform for cardholder identity verification through the certification, remote service platform authorized to change the stored value, the remote service platforms respond with the response signal transmission of information transmitted over the network to the smart card; listening devices listening on a smart card and get the response signal; finally, cardholder verification confirmed the success of the smart card stored value amount value stored-value obtained through the keyboard on the smart card; when the cardholder wants to reduce the credits on the smart card, also uses the same mechanism .
  7. 7.根据权利要求6所述的方法,其特征在于所述信息传输网络为电话通信网络、手机通信网络或互联网。 The method according to claim 6, wherein said information transmission network is a telephone communication network, mobile communication network or the Internet.
  8. 8.根据权利要求6所述的方法,其特征在于所述远程服务平台为IVR交互式声音应答系统。 8. The method according to claim 6, wherein said remote service platform interactive voice response IVR system.
  9. 9.根据权利要求6所述的方法,其特征在于所述响应和应答信号为声音动态密码。 9. The method according to claim 6, wherein said response signal in response to sound and dynamic password.
  10. 10.根据权利要求6所述的方法,其特征在于所述智能卡,其装备了一个柔性印刷电路版,在智能卡上利用压电喇机和麦克风来传输声音信号、键盘来输入密码或信息并在智能卡上集成一个柔性显示器来显示信息,上述装置均通过一个内部电源来运行整个卡上的操作系统。 10. The method according to claim 6, characterized in that the smart card, which is equipped with a flexible printed circuit board, using a piezoelectric La and microphones on the smart card to transmit a sound signal, or the keyboard to enter a password and information integrated a flexible display to display information on the smart card, the above-described devices are to run the operating system on the whole card through an internal power supply.
  11. 11.根据权利要求6所述的方法,其特征在于所述智能卡上的储值或数据通过信息传输网络访问远程服务平台可以被反复加载或卸载。 11. The method according to claim 6, characterized in that the stored value or data on the smart card may be repeatedly loaded or unloaded through the information transmission network to access the remote service platform.
  12. 12.根据权利要求6所述的方法,其特征在于所述智能卡上的额度值可以通过电子纸或IXD显示器进行显示,或者通过互联网申请浏览,或者通过交互式应答系统查询,用于验证账户额的增加或减少以及帐户余额。 12. The method according to claim 6, characterized in that the threshold value on the smart card may be electronic or paper IXD display, application or browsing the Internet, or through an interactive query response system, for verifying the amount of the account increases or decreases and account balance.
  13. 13.根据权利要求6所述的方法,其特征在于所述信息传输网络能够采用动态密码技术或其他手段加密保护。 13. The method according to claim 6, wherein said information transmission network can employ dynamic password encryption techniques or other means.
  14. 14.根据权利要求6所述的方法,其特征在于所述芯片卡上的监听装置为麦克风。 14. The method according to claim 6, characterized in that the listening devices on the chip card is a microphone.
CN 201210285647 2012-08-10 2012-08-10 Intelligent card capable of remotely changing nonvolatile internal storage value in chip and storage value changing method thereof CN102855565B (en)

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