CN102855697B - Integrated circuit (IC) card with debit-credit business data interface for load and load achieving method - Google Patents
Integrated circuit (IC) card with debit-credit business data interface for load and load achieving method Download PDFInfo
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- CN102855697B CN102855697B CN201210351292.4A CN201210351292A CN102855697B CN 102855697 B CN102855697 B CN 102855697B CN 201210351292 A CN201210351292 A CN 201210351292A CN 102855697 B CN102855697 B CN 102855697B
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Abstract
An integrated circuit (IC) card with a debit-credit loading business data interface comprises an IC card standard base band processing unit, a radio frequency receiving and transmitting unit, a radio frequency antenna, an earphone insert, a converting unit, a central processing unit (CPU) and a safety processing memory unit. A shape of the earphone insert is matched with shapes of terminals in a voice frequency input-output interface channel of a network terminal, and the earphone insert serves as the debit-credit loading business data interface. When the earphone insert is connected with the network terminal, a data transmission channel for the IC card and the network terminal is built and used for finishing data information interaction. The converting unit is used for converting an analog/digital signal into a digital/analog signal. The CPU is used for processing data received and transmitted by the earphone insert, and then the CPU and the IC card standard base band processing unit finish debit-credit loading business through the safety processing memory unit according to the standard debit-credit loading business data interface in the financial industry.
Description
Technical field
The present invention relates to technical field of electronic equipment, particularly relate to and a kind ofly deposit the IC-card of debt-credit note business datum interface with circle and realize enclosing the method for depositing.
Background technology
Along with the fast development of development of Mobile Internet technology and application, the demand of user to mobile-phone payment is promoted greatly, mobile-phone payment development rapidly.Mobile-phone payment, also referred to as mobile payment (Mobile Payment), refers to and allows mobile subscriber to use its mobile terminal (normally mobile phone) to carry out a kind of method of service of account payment to consumed commodity or service.Mobile-phone payment is simple to operate, can conclude the business whenever and wherever possible, can realize numerous payment function, the stored value card really allowing mobile phone become to carry with.
At present, the solution of China's mobile-phone payment is various, one be adopt based on 13.56M(China Unionpay support) built-in NFC(Near Field Communication, i.e. near-field communication technology) Mobile-Payment Technology.NFC is a kind of non contact angle measurement and interconnection technique, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.The NFC module of embedded in mobile phone comprises RF-Transceiver(radio-frequency (RF) transceiver) and the safe handling storage unit that is connected with radio-frequency (RF) transceiver, NFC module is connected with the CPU of mobile phone by safe handling storage unit; After mobile phone and bank card binding, mobile phone CPU is connected with bank service end by internet, carries out cipher key interaction, designated amounts in bank card account number is transferred to after mobile phone CPU, import safe handling storage unit, realize circle and deposit function, just can realize payment function by radio-frequency (RF) transceiver afterwards.The weak point of the method is, must implant NFC module before mobile phone dispatches from the factory, and needs manufacturer to coordinate, and has the little of NFC function in existing mobile phone on the market.
The another kind of solution of mobile-phone payment adopts non-contact IC card technique.IC-card (Integrated Circuit Card, i.e. integrated circuit card) also claims smart card (smart card), smart card (intelligent card), microcircuit card (microcircuit card) or chip card etc. in some countries and regions.Non-contact IC card, also known as radio-frequency card, is mainly used in the automatic fare collection system of public transport, ferry, subway, is also applied in entrance guard management, proof of identification and stored value card.Non-contact IC card integrated circuit (IC) chip and antenna circuit is buried underground to be packaged in card base, makes card form (such as soft card) and be attached on phone housing, for swiping the card.Antenna in non-contact IC card only has coil, connects integrated circuit by coil, and is received and transmitting data by radio-frequency (RF) transceiver.The ultimate principle of its work is: radio-frequency (RF) transceiver sends out the electromagnetic wave of one group of fixed frequency to IC-card, have IC association of connecting to shake circuit in card, its frequency is identical with the frequency that radio-frequency (RF) transceiver is launched, like this under excitation of electromagnetic wave, LC assists the circuit that shakes to produce resonance, thus makes there has been electric charge in electric capacity; At the other end of this electric charge, be connected to the electronic pump of an one-way conduction, electric charge in electric capacity is delivered to the storage of another capacitor memory, when accumulated electric charge reaches operating voltage necessary requirement time (such as 2V), this electric capacity can be used as power supply for other circuit provides operating voltage, data in card is launched or the data of received RF transceiver.The weak point of the method is, the non-contact IC card of prior art does not have the communication interface of safe handling storage unit, circle cannot be realized and deposit function, and need to supplement with money to special voucher center or platform as existing transportation card is supplemented with money, bring very big inconvenience to user; Particularly when in IC-card, Sorry, your ticket has not enough value, and when user is inconvenient to voucher center, payment transaction just cannot complete.
Summary of the invention
Technical matters to be solved by this invention is, provides a kind of and deposits the IC-card of debt-credit note business datum interface with circle and realize enclosing the method for depositing, solving prior art when not changing mobile terminal itself, cannot realize enclosing the problem of depositing function.
In order to solve the problem, the invention provides a kind of IC-card depositing debt-credit note business datum interface with circle, comprise IC-card standard baseband processing unit, Transmit Receive Unit and radio-frequency antenna, described IC-card standard baseband processing unit is connected with described Transmit Receive Unit further, described Transmit Receive Unit is connected with described radio-frequency antenna electricity further, for realizing the payment function of IC-card; Described IC-card also comprises earphone inserted sheet, converting unit, CPU and safe handling storage unit; Described earphone inserted sheet shape matches with each terminal shape in the audio input output interface passage of a network terminal, described earphone inserted sheet deposits debt-credit note business datum interface as circle, when described earphone inserted sheet is connected with the described network terminal, set up the transmission channel of described IC-card and the described network terminal, mutual for completing data message; Described converting unit is connected with described earphone inserted sheet and described CPU respectively, and for being digital/analog signal by analog/digital signal conversion, it is mutual to carry out valid data information; Described CPU is connected with described earphone inserted sheet by described converting unit, for the treatment of the data of described earphone inserted sheet transmitting-receiving, described CPU is connected with described safe handling storage unit further by IC-card standard baseband processing unit, and described CPU manages described safe handling storage unit by described IC-card standard baseband processing unit; Numeration is deposited and borrowed or lent money to described safe handling storage unit according to carrying out encryption and decryption and checking authentication process according to financial IC card standard to circle.
Described earphone inserted sheet is provided with the first audio input end, the second audio input end and audio output, the order that arranges of all described audio frequency input/output terminals matches with each terminal setting position in the audio input output interface passage of the described network terminal, for being realized data transmission by described audio input output interface.
Described IC-card is provided with a draw-in groove closed with the matching form of described earphone inserted sheet, and described earphone inserted sheet one end is connected with described draw-in groove; Described IC-card has earphone inserted sheet and is flat condition and is embedded in the first state in draw-in groove, and earphone inserted sheet is case of bending and the second state ejected from draw-in groove.
Described IC-card comprises a keyboard further, and described keyboard is connected with described CPU electricity, for completing input operation.
Described IC-card comprises a detecting unit further, and described detecting unit is connected with described CPU and described earphone inserted sheet respectively, for detecting that described earphone inserted sheet then starts described CPU when producing larger than a preset value voltage.
Described IC-card comprises a minicell further, powers for giving described CPU.
Described minicell is a rechargeable type minicell further, and described rechargeable type minicell is connected with described earphone inserted sheet by a charging circuit, for when described earphone inserted sheet is connected with the described network terminal, is charged by described charging circuit.
In order to solve the problem, present invention also offers a kind of IC-card to realize enclosing the method for depositing, adopt the IC-card depositing interface described in claim 1 with circle, comprise the steps: that described earphone inserted sheet ejects by (1) from draw-in groove, and insert the audio input output interface of the described network terminal; (2) described CPU utilizes described earphone inserted sheet, is sent to described financial institution services end by the described network terminal by comprising the request circle deposit data information that circle deposits the amount of money; (3) described financial institution services end and described CPU carry out alternately, return and confirm circle deposit data information; (4) described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit and is decrypted and verifies authentication by described CPU, completes circle and deposits operation.
Further, described earphone inserted sheet is provided with the first audio input end, the second audio input end and audio output, the order that arranges of described all audio frequency input/output terminals matches with each terminal setting position in the audio input output interface passage of the network terminal, for being realized data transmission by audio input output interface, when described earphone inserted sheet inserts the audio input output interface of the described network terminal, it is mutual that described CPU and the described network terminal carry out data message, so by with the described network terminal and described financial institution services end mutual.
Described IC-card comprises a keyboard further, described keyboard is connected with described CPU electricity, step (2) comprises further: described CPU utilizes described earphone inserted sheet, comprising after employing transaction data being exchanged secret key encryption by the described network terminal encloses the request circle deposit data information of depositing the amount of money and is sent to described financial institution services end, and described request circle deposit data information passes through input through keyboard in advance; Step (3) comprises further: described financial institution services end encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to described CPU and IC-card standard baseband processing unit; Step (4) comprises further: described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit by described CPU, described safe handling storage unit is exchanged described in double secret key by transaction data and confirms that circle deposit data information is decrypted, user completes the password of bank card account number, the input operation of authentication certificate by keyboard simultaneously, thus the circle of specifying is deposited amount of money importing safe handling storage unit.
Described IC-card comprises one further for starting the detecting unit of described CPU, described detecting unit is connected with described CPU and described earphone inserted sheet respectively, comprise further after step (1): detect described earphone inserted sheet by described detecting unit and whether produce a voltage larger than preset value, if just start described CPU.
The invention has the advantages that, by arranging the earphone inserted sheet that has data-transformation facility on existing IC-card, and superpose cpu chip in addition on the integrated chip of existing IC-card, function deposited by the electronic cash circle that namely can realize IC-card; The all right directly integrated cpu chip in existing IC-card integrated chip of IC-card of the present invention.IC-card is mutual by the earphone inserted sheet and the network terminal with data-transformation facility, can, at any time for IC-card is supplemented with money, realize concluding the business whenever and wherever possible; Financial institution services end and CPU and the mutual data message of IC-card standard baseband processing unit are by the form transmission of encrypted packet, encryption and decryption is carried out by safe handling storage unit, authentication verification operates, thus avoids plain code bag to propagate, and ensure that the security of process deposited by circle.
Accompanying drawing explanation
Fig. 1 is the Organization Chart depositing the IC-card of interface with circle of the present invention;
Fig. 2 A-C is the earphone inserted sheet view of an embodiment;
Fig. 3 A-C is the earphone inserted sheet view of another embodiment;
Fig. 4 is the structural representation of described earphone inserted sheet;
Fig. 5 is the cut-open view that described earphone inserted sheet coordinates with the network terminal;
Fig. 6 adopts the IC-card depositing interface with circle of the present invention to realize enclosing the schematic flow sheet of method deposited.
[primary clustering symbol description]
T1, IC-card; T2, the network terminal; T3, financial institution services end;
110, draw-in groove; 101, earphone inserted sheet; 102, converting unit;
103, CPU; 104, safe handling storage unit;
105, IC-card standard baseband processing unit; 106, Transmit Receive Unit;
115, detecting unit; 116, charging circuit; 117, rechargeable type minicell;
118, display unit; 119, keyboard;
411, the first audio input end; 412, the second audio input end; 413, audio output;
414, dissipating public loop end; 418, para tape; 419, metal wire;
501, terminal; 511, microphone; 512, GND;
513, R channel; 514, L channel.
Embodiment
Deposit the IC-card of interface with circle below in conjunction with accompanying drawing to provided by the invention and realize enclosing the embodiment of method of depositing and elaborate.The network terminal described in the present invention for having audio input output interface (this interface often at present the diameter of standard be the receiver J-Horner of 3.5 millimeters), can also and the terminal of internet communication, as mobile phone, panel computer, with oneself amusing products etc.In order to make description of the invention simple and clear, be only described for mobile phone in a specific embodiment, other the network terminal is identical with the principle of mobile phone.
With reference to accompanying drawing 1, the Organization Chart depositing the IC-card of interface with circle of the present invention, described IC-card T1 comprises an earphone inserted sheet 101, converting unit 102, CPU 103, safe handling storage unit 104, IC-card standard baseband processing unit 105, Transmit Receive Unit 106 and radio-frequency antenna (not shown).
Described earphone inserted sheet 101 is connected by metal wire (as shown in Fig. 4 label 419) electricity with converting unit 102.Described earphone inserted sheet 101 is sheet, and its shape and a network terminal T2(are hereinafter referred to as mobile phone) audio input output interface (referring to the earphone jack of mobile phone in this embodiment, hereinafter referred to as earphone jack) passage in each terminal shape match.Described earphone inserted sheet deposits interface as circle, when described earphone inserted sheet 101 inserts the earphone jack of mobile phone, set up the voice transfer passage of described IC-card T1 and mobile phone, again by two ends modulation /demodulation function separately, vorbal model signal and Digital Transmission Content are changed, thus the data message completing two ends is mutual.
Described converting unit 102 is connected with described earphone inserted sheet 101 and described CPU 103 respectively, and for being digital/analog signal by analog/digital signal conversion, it is mutual to carry out valid data information; Namely the simulating signal that described earphone inserted sheet 101 receives is carried out A/D conversion by described converting unit 102, convert the digital signal that CPU 103 can identify, process to, and D/A conversion is carried out to the digital signal that CPU 103 sends, sent by described earphone inserted sheet 101 after converting corresponding simulating signal to.
Described IC-card T1 has a draw-in groove 110 closed with the matching form of described earphone inserted sheet 101, described earphone inserted sheet 101 one end is connected with described draw-in groove 110, the other end can rotate an angle θ with described draw-in groove 110 connecting place for rotating shaft with described earphone inserted sheet 101, makes earphone inserted sheet 101 in case of bending and ejects from draw-in groove 110.Wherein can offer described draw-in groove 110 at the marginal position (and non-central location) of described IC-card T1, like this, enough winding spaces can be left to radio-frequency antenna.Described draw-in groove 110 can be hollow out draw-in groove, and earphone inserted sheet adopts flexible material, when earphone inserted sheet is finished using, adopts elastic recoil mode to be returned in hollow out draw-in groove; Described draw-in groove 110 can also be non-hollow out draw-in groove, earphone inserted sheet adopts the magnetic material of tool, adopt the material contrary with earphone inserted sheet magnetic with the position that earphone inserted sheet matches bottom draw-in groove, when earphone inserted sheet is finished using, adopt the attracting mode of magnetic to be returned in draw-in groove.
With reference to the earphone inserted sheet view that figure 2A-2C is an embodiment, in the present embodiment, described draw-in groove 110 is hollow out draw-in groove.Wherein Fig. 2 A is the vertical view of earphone inserted sheet closure state, and Fig. 2 B is the cut-open view along A-A line in Fig. 2 A; Fig. 2 C is the cut-open view of earphone inserted sheet opening.Fig. 2 B-2C is rough schematic, is only used for illustrating the existing to position relationship of earphone inserted sheet and IC-card under different conditions.The shape of earphone inserted sheet please refer to shown in Fig. 2 A.
See state shown in Fig. 2 A-2B, earphone inserted sheet 101 is flat condition and is embedded in draw-in groove 110, and this is first state of described IC-card T1.Earphone inserted sheet 101 can adopt integral molding techniques with the connection of draw-in groove 110, or other can make the two connected mode be connected.
See state shown in Fig. 2 C, (such as user by earphone inserted sheet 101 pull-up, or other External Force Actings make it upspring) earphone inserted sheet 101 to eject from draw-in groove 110 in case of bending under external force.Such as earphone inserted sheet 101 for rotating shaft with itself and described draw-in groove 110 connecting place, rotates an angle θ, earphone inserted sheet 101 one end is risen from IC-card T1, facilitates earphone inserted sheet 101 to insert the earphone jack of mobile phone in draw-in groove 110.The anglec of rotation θ of earphone inserted sheet 101 is not changeless, and according to concrete service condition, earphone inserted sheet 101 can rotate other angles in 0 ~ 360 ° of scope.When end-of-job deposited by the circle of IC-card T1, when namely earphone inserted sheet 101 does not work, state shown in Fig. 2 B can be returned to.
With reference to the earphone inserted sheet view that figure 3A-3C is another embodiment, in the present embodiment, described draw-in groove 110 is non-hollow out draw-in groove.Wherein Fig. 3 A is the vertical view of earphone inserted sheet closure state, and Fig. 3 B is the cut-open view along A-A line in Fig. 3 A; Fig. 3 C is the cut-open view of earphone inserted sheet opening.Fig. 3 B-3C is rough schematic, is only used for illustrating the existing to position relationship of earphone inserted sheet and IC-card under different conditions.The shape of earphone inserted sheet please refer to shown in Fig. 3 A.The principle of work of present embodiment middle ear machine transplanting of rice sheet is identical with embodiment described in Fig. 2 A-C, repeats no longer one by one herein.
With reference to accompanying drawing 4, the structural representation of described earphone inserted sheet; Described earphone inserted sheet 101 is provided with the first audio input end 411, second audio input end 412, audio output 413, dissipating public loop end 414 and multiple para tape 418, and each terminal setting position in described all audio frequency input/output terminals and the setting position of dissipating public loop end and the audio input output interface passage of network terminal T2 matches.Described para tape 418 adopts insulating material to make, be arranged between the first audio input end 411 and the second audio input end 412, between the second audio input end 412 and audio output 413 and between audio output 413 and dissipating public loop end 414, for improving the anti-interference of described earphone inserted sheet 101.First audio input end 411, second audio input end 412, audio output 413, dissipating public loop end 414 are not shown with converting unit 102(Fig. 4 by metal wire 419) electricity is connected.For network terminal T2 for mobile phone, described earphone inserted sheet 101 is the headset plug of cross sectional shape; Because present mobile phone nearly all adopts ultrathin design, the terminal in earphone jack passage (i.e. contact press mutually spring leaf) is made to be all horizontal positioned, like this, the headset plug of cross sectional shape can each termination contact fully and in earphone jack, realizes data transmission.
With reference to accompanying drawing 5, the cut-open view that described earphone inserted sheet coordinates with the network terminal; For the earphone jack of mobile phone, described earphone inserted sheet 101 is the headset plug of the cross section shape coordinated with it, if each terminal (as shown in Figure 5 501) setting position in earphone jack passage is be followed successively by from socket surfaces to the direction of jack inside: microphone, GND, R channel and L channel; Setting position then on earphone inserted sheet 101 is, from earphone inserted sheet 101 and the junction of draw-in groove 110, be followed successively by microphone 511, GND512, R channel 513 and L channel 514 to port direction.Match setting, to ensure that earphone inserted sheet 101 can normally work in the two position.Market also there is another interface signal order, from earphone inserted sheet 101 and the junction of draw-in groove 110, be followed successively by GND, microphone, R channel and L channel to port direction.Can be controlled to switch by CPU by analog switch.And whether microphone is contrary with GND, can by checking the voltage of a signal in these two signals any, microphone signal generally has a bias voltage being greater than 0.9V, powers for giving the Electret condenser microphone inside External microphone.If this is GND and earth potential not have voltage to illustrate, if there is the voltage being greater than 0.9V to be Mike's signal, thus switched by two-way analog switch chip.
Continue with reference to accompanying drawing 1, described CPU 103 is connected with described earphone inserted sheet 101 by described converting unit 102, for the treatment of the data that described earphone inserted sheet 101 is received and dispatched, described CPU 103 is connected with described safe handling storage unit 104 further by IC-card standard baseband processing unit 105, described CPU 103 by described IC-card standard baseband processing unit 105 and described safe handling storage unit 104 mutual, complete the certification of standard financial IC card, identify, the encryption and decryption that read-write requires, the security algorithms such as authentication, carry out circle to deposit, the operation of debt-credit note.
Described safe handling storage unit 104 receives and dispatches circle deposit data information by IC-card standard baseband processing unit 105 and described CPU 103, and complete the operations such as circle deposit data information encryption and decryption authentication, wherein the password of circle deposit data information encryption and decryption and the certificate of authenticating user identification are also stored in described safe handling storage unit 104, thus avoid by the danger of mobile phone to issuable information leakage in circle deposit data information encryption process.
When the earphone inserted sheet 101 of IC-card T1 being inserted the earphone jack of mobile phone, after setting up the transmission channel of described IC-card T1 and mobile phone, CPU 103 and IC-card standard baseband processing unit 105 are started working, the request circle deposit data information comprising circle and deposit the amount of money, by earphone inserted sheet 101 and mobile phone, is sent to financial institution services end T3(and refers to bank service end in this embodiment by CPU 103).Request circle deposit data information can comprise the password etc. that circle deposits the amount of money, bank card account number, and these information can complete input by mobile phone.Mobile phone is connected to the bank service end of financial institution by the internet of itself, circle in request circle deposit data information is deposited the amount of money and is marked from this bank card account number by bank service end, returns afterwards and confirms that circle deposit data information is to CPU 103 and IC-card standard baseband processing unit 105.Circle deposit data information is sent to described safe handling storage unit 104 by IC-card standard baseband processing unit 105 by CPU 103.Safe handling storage unit 104 to after circle deposit data decrypts information, thus completes and the circle of specifying is deposited the circle that the amount of money imports in described safe handling storage unit 104 and deposit work.
Described IC-card standard baseband processing unit 105 is connected with described CPU 103, safe handling storage unit 104 and Transmit Receive Unit 106 respectively, described Transmit Receive Unit 106 is connected with radio-frequency antenna (not shown) electricity further, for realizing the payment function of the no-contact electronic wallet of IC-card T1.Wherein, described Transmit Receive Unit 106 is for meeting the 13.56Mhz Transmit Receive Unit of NFC non-contact IC card standard.Described safe handling storage unit 104 is received by IC-card standard baseband processing unit 105 and stores the circle imported by described CPU 103 deposits the amount of money; And when described Transmit Receive Unit 106 completes delivery operation synchronous balance amount information.Described Transmit Receive Unit 106 is connected with radio-frequency antenna electricity, by carrying out radio communication with payment platform and with described safe handling storage unit 104, completes delivery operation.Wherein the realization of payment function can adopt technological means of the prior art to realize delivery operation, does not repeat one by one herein.
Present embodiment CPU realizes circle by the safe handling storage unit be connected with standard IC-card baseband processing unit and deposits function and borrow or lend money and remember service data function (i.e. the function of IC-card POS).In other embodiments, CPU directly can connect an independently second safe handling storage unit, make to enclose to deposit function and borrow or lend money note service data function and realized with the second safe handling storage unit that CPU is directly connected by this, the benefit of the setting of the second safe handling storage unit does not need the original circuit of Standard modification IC-card.
In order to strengthen the security of aforesaid operations, described IC-card T1 comprises a keyboard 119 further, described keyboard 119 is connected with described CPU 103 electricity (adopts keyboard 119 can the input operation of the key message such as password, identifying code of bank card account number of completing user, and without the need to being completed the input of information by the keyboard of mobile phone, avoid input information on mobile phone stolen, thus IC-card is sent and the information that receives is all encryption).When described earphone inserted sheet 101 inserts the earphone jack of mobile phone, after setting up the transmission channel of described IC-card T1 and mobile phone, CPU 103 and IC-card standard baseband processing unit 105 are started working, CPU 103 is by earphone inserted sheet 101 and mobile phone, comprising after exchanging secret key encryption by adopting transaction data encloses the request circle deposit data information of depositing the amount of money and is sent to bank service end, wherein, request circle deposit data information is adopt transaction data to exchange secret key encryption by safe handling storage unit 104 in advance, this is comprised the request circle deposit data information that circle deposits the amount of money and is inputted by keyboard 119 in advance.Request circle deposit data information can comprise the password etc. that circle deposits the amount of money, bank card account number.Bank service end encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to CPU 103 and IC-card standard baseband processing unit 105; CPU 103 sends the confirmation circle deposit data information of the encryption received to safe handling storage unit 104 by described IC-card standard baseband processing unit 105, safe handling storage unit 104 exchanges double secret key by transaction data and confirms that circle deposit data information is decrypted, user completes the information input operations such as identifying code as required by keyboard 119 simultaneously, thus the circle of specifying is deposited the amount of money from the stored value card account data region inside bank card account number importing safe handling storage unit 104.CPU 103 and IC-card standard baseband processing unit 105 are connected by internet with bank service end, mutual data message is all by encrypted packet transmission, and the key message such as the password of bank card account number, identifying code, authentication all completes input operation by the keyboard 119 of IC-card itself, thus avoid plain code bag to propagate, ensure that the security of process deposited by circle.Wherein, the safety certificate that transaction data exchange needs and key are stored in advance in the secure data storage area of this IC-card safe handling storage unit when sending out IC-card by financial institution or the third party service organization, for verifying the legitimacy of this IC-card, ensure the security of transaction.
In other embodiments, described IC-card T1 can also comprise a display unit 118, it can be such as ultrathin flexible LCDs, described display unit 118 is connected with CPU 103, Presentation Function is provided, for showing the plain code information enclosing and deposit in process in real time, such as: the identifying code that the request circle deposit data information of user's input, the bank service end after CPU 103 deciphers send; Display unit 118 also can be used for the transaction record of display IC-card T1 and blocks interior balance amount information etc., facilitates user intuitively to obtain IC card information.
As preferred embodiment, described IC-card T1 can also comprise a minicell, and the flexible lithium battery of such as micro ultrathin, powers for giving described CPU103.Due in practical operation, it is less that the general access times of function deposited by the circle of IC-card, so minicell can provide enough battery durable abilities.In other Alternate embodiments, described minicell can be a rechargeable type minicell 117, described rechargeable type minicell 117 is connected with described earphone inserted sheet 101 by a charging circuit 116, for when described earphone inserted sheet 101 is connected to described network terminal T2 or when described earphone inserted sheet 101 inserts corresponding charger, charged by described charging circuit 116.
In other embodiments, described IC-card T1 can also comprise a detecting unit 115, described detecting unit 115 is connected with described CPU103 and described earphone inserted sheet 101 respectively, for detecting that described earphone inserted sheet 101 then starts described CPU 103 when producing larger than a preset value voltage.Such as, after earphone inserted sheet 101 is inserted into the earphone jack of mobile phone, have the bias voltage of MIC, be about 0.9 ~ 1.8V, start described CPU 103 when described detecting unit 115 detects this voltage, described CPU 103 starts working power consumption, CPU 103 not power consumption at ordinary times.
With reference to accompanying drawing 6, adopt the IC-card depositing interface with circle of the present invention to realize enclosing the schematic flow sheet of the method for depositing, described IC-card realizes enclosing the method for depositing and comprises the following steps.
S61: described earphone inserted sheet is ejected from draw-in groove, and inserts the audio input output interface of the described network terminal.
Described earphone inserted sheet 101 is connected with CPU 103 by described converting unit 102, for realizing the transmission of data message.Described earphone inserted sheet 101 is sheet, and its shape matches with each terminal shape in the audio input output interface passage of a network terminal T2.Open described earphone inserted sheet 101, its audio input output interface with the described network terminal is connected, sets up the transmission channel of described IC-card T1 and network terminal T2; Described earphone inserted sheet 101 is by network terminal T2 and internet, receive the data message that described financial institution services end T3 sends, and the data message of described CPU103 and IC-card standard baseband processing unit 105 is forwarded to financial institution services end T3, the data message completing described CPU103 and IC-card standard baseband processing unit 105 and financial institution services end T3 is mutual.
Described earphone inserted sheet 101 can adopt has flexible flexible material, when earphone inserted sheet is finished using, adopts elastic recoil mode to be returned in IC-card plane; Described earphone inserted sheet 101 can also adopt the magnetic material of tool, adopts the material contrary with earphone inserted sheet magnetic in IC-card and the position that earphone inserted sheet matches, and when earphone inserted sheet is finished using, adopts the attracting mode of magnetic to be returned in IC-card plane.
Described earphone inserted sheet 101 is provided with the first audio input end 411, second audio input end 412, audio output 413, dissipating public loop end 414 and multiple para tape 418, and each terminal setting position in described all audio frequency input/output terminals and the setting position of dissipating public loop end and the audio input output interface passage of network terminal T2 matches.Described para tape 418 adopts insulating material to make, be arranged between the first audio input end 411 and the second audio input end 412, between the second audio input end 412 and audio output 413 and between audio output 413 and dissipating public loop end 414, for improving the anti-interference of described earphone inserted sheet 101.First audio input end 411, second audio input end 412, audio output 413, dissipating public loop end 414 are connected with converting unit 102 electricity by metal wire 419.When described earphone inserted sheet 101 ejects from draw-in groove 110, and when inserting the audio input output interface of the described network terminal, described CPU 103 and described IC-card standard baseband processing unit 105 set up voice transfer passage with described network terminal T2, again by two ends modulation /demodulation function separately, vorbal model signal and Digital Transmission Content are changed, thus the data message completing two ends is mutual.And then it is mutual to carry out data message by described network terminal T2 and described financial institution services end T3.For network terminal T2 for mobile phone, described earphone inserted sheet 101 is the headset plug of cross sectional shape; Because present mobile phone nearly all adopts ultrathin design, the terminal in earphone jack passage (i.e. contact press mutually spring leaf) is made to be all horizontal positioned, like this, the headset plug of cross sectional shape can each termination contact fully and in earphone jack, realizes data transmission.
S62: described CPU utilizes described earphone inserted sheet, is sent to described financial institution services end by the described network terminal by comprising the request circle deposit data information that circle deposits the amount of money.
When after the data transmission channel that IC-card is set up with network terminal T2, CPU 103 and IC-card standard baseband processing unit 105 are started working, the request circle deposit data information comprising circle and deposit the amount of money, by earphone inserted sheet 101 and network terminal T2, is sent to described financial institution services end T3 by CPU 103; Described request circle deposit data information can comprise circle and deposit the amount of money, bank card password etc.
S63: described financial institution services end and described CPU carry out alternately, returns and confirms circle deposit data information.
Circle in request circle deposit data information is deposited the amount of money and is marked from bank card account number by described financial institution services end T3, backward CPU 103 and IC-card standard baseband processing unit 105 return and confirm circle deposit data information.
Described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit by S64: described CPU to be decrypted and to verify authentication, completes circle and deposits operation.
The circle of specifying in the confirmation circle deposit data information received is deposited the amount of money by described IC-card standard baseband processing unit 105 and is imported safe handling storage unit 104 from bank card by CPU103, after safe handling storage unit 104 is decrypted circle deposit data information and verifies authentication, thus complete and the circle of specifying deposited the circle that the amount of money imports described safe handling storage unit 104 from bank card and deposit work.The standard (PBOC) operating the financial IC card transaction specifically issued according to People's Bank of China described in this step is implemented, and repeats no longer one by one herein.
Deposit the security of operating process to strengthen circle, described IC-card T1 comprises a keyboard 119 further, and described keyboard 119 is connected with described CPU 103 electricity.Adopt keyboard 119 can the input operation of the key message such as password, identifying code, authentication of bank card account number of completing user, and without the need to being completed the input of information by network terminal T2, thus IC-card is sent and the information that receives is all encryption.When described earphone inserted sheet 101 is connected with the data message IO interface of network terminal T2, after setting up the data transmission channel of described IC-card T1 and network terminal T2, CPU 103 and IC-card standard baseband processing unit 105 are started working, CPU 103 utilizes earphone inserted sheet 101 and network terminal T2, comprising after exchanging secret key encryption by adopting transaction data encloses the request circle deposit data information of depositing the amount of money and is sent to financial institution services end T3, wherein, request circle deposit data information is adopt transaction data to exchange after secret key encryption by safe handling storage unit 104 in advance, this is comprised the request circle deposit data information that circle deposits the amount of money and is inputted by keyboard 119 in advance.Request circle deposit data information can comprise circle and deposit the amount of money, bank card password etc.Financial institution services end T3 encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to CPU 103 and IC-card standard baseband processing unit 105; CPU 103 sends the confirmation circle deposit data information of the encryption received to safe handling storage unit 104 by IC-card standard baseband processing unit 105, safe handling storage unit 104 exchanges double secret key by transaction data and confirms that circle deposit data information is decrypted, simultaneously user completes the input operation of the information such as authentication certificate of identifying code, user as required by keyboard 119, thus the circle of specifying is deposited the amount of money and import safe handling storage unit 104 from bank card.When CPU 103 and IC-card standard baseband processing unit 105 carry out in the mutual process of data message with financial institution services end T3, when the identifying code needing user to input to specify or other authorization informations, also input operation can be completed by keyboard 119.Like this, CPU 103 and IC-card standard baseband processing unit 105 are connected by internet with financial institution services end T3, mutual data message is all by encrypted packet transmission, and the key message such as the password of bank card account number, identifying code, authentication all completes input operation by the keyboard 119 of IC-card itself, thus avoid plain code bag to propagate, ensure that the security of process deposited by circle.
In other embodiments, described IC-card comprises one further for starting the detecting unit 115 of described CPU 103, described detecting unit 115 is connected with described CPU 103 and described earphone inserted sheet 101 respectively, then: comprise a step further after step (1): detect described earphone inserted sheet by described detecting unit and whether produce a voltage larger than preset value, the voltage larger than described preset value just starts described CPU if detect.Such as, after earphone inserted sheet 101 is inserted into the earphone jack of mobile phone, have the bias voltage of MIC, be about 0.9 ~ 1.8V, start described CPU 103 when described detecting unit 115 detects this voltage, described CPU 103 starts working power consumption, CPU 103 not power consumption at ordinary times.
The present invention by arranging the earphone inserted sheet that has data-transformation facility on existing IC-card, and superposes cpu chip in addition on the integrated chip of existing IC-card, and function deposited by the electronic cash circle that namely can realize IC-card; The all right directly integrated cpu chip in existing IC-card integrated chip of IC-card of the present invention.IC-card is mutual by the earphone inserted sheet and the network terminal with data-transformation facility, can, at any time for IC-card is supplemented with money, realize concluding the business whenever and wherever possible; Financial institution services end and CPU and the mutual data message of IC-card standard baseband processing unit are by the form transmission of encrypted packet, encryption and decryption is carried out by safe handling storage unit, authentication verification operates, thus avoids plain code bag to propagate, and ensure that the security of process deposited by circle.
The above is only the preferred embodiment of the present invention; it should be pointed out that for those skilled in the art, under the premise without departing from the principles of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (10)
1. deposit the IC-card of debt-credit note business datum interface with circle for one kind, comprise IC-card standard baseband processing unit, Transmit Receive Unit and radio-frequency antenna, described IC-card standard baseband processing unit is connected with described Transmit Receive Unit further, described Transmit Receive Unit is connected with described radio-frequency antenna electricity further, for realizing the payment function of IC-card; It is characterized in that,
Described IC-card also comprises earphone inserted sheet, converting unit, CPU and safe handling storage unit;
Described earphone inserted sheet shape matches with each terminal shape in the audio input output interface passage of a network terminal, described earphone inserted sheet deposits debt-credit note business datum interface as circle, when described earphone inserted sheet is connected with the described network terminal, set up the transmission channel of described IC-card and the described network terminal, mutual for completing data message; Described IC-card is provided with a draw-in groove closed with the matching form of described earphone inserted sheet, described earphone inserted sheet one end is connected with described draw-in groove, described IC-card has earphone inserted sheet and is flat condition and is embedded in the first state in draw-in groove, and earphone inserted sheet is case of bending and the second state ejected from draw-in groove;
Described converting unit is connected with described earphone inserted sheet and described CPU respectively, and for being digital/analog signal by analog/digital signal conversion, it is mutual to carry out valid data information;
Described CPU is connected with described earphone inserted sheet by described converting unit, for the treatment of the data of described earphone inserted sheet transmitting-receiving, described CPU is connected with described safe handling storage unit further by IC-card standard baseband processing unit, and described CPU manages described safe handling storage unit by described IC-card standard baseband processing unit;
Numeration is deposited and borrowed or lent money to described safe handling storage unit according to carrying out encryption and decryption and checking authentication process according to financial IC card standard to circle.
2. the IC-card of debt-credit note business datum interface is deposited according to claim 1 with circle, it is characterized in that: described earphone inserted sheet is provided with the first audio input end, the second audio input end and audio output, the order that arranges of all audio frequency inputs, output terminal matches with each terminal setting position in the audio input output interface passage of the described network terminal, for being realized data transmission by described audio input output interface.
3. deposit the IC-card of debt-credit note business datum interface according to claim 1 with circle, it is characterized in that: described IC-card comprises a keyboard further, described keyboard is connected with described CPU electricity, for completing input operation.
4. the IC-card of debt-credit note business datum interface is deposited according to claim 1 with circle, it is characterized in that: described IC-card comprises a detecting unit further, described detecting unit is connected with described CPU and described earphone inserted sheet respectively, for detecting that described earphone inserted sheet starts described CPU when producing larger than a preset value voltage.
5. deposit the IC-card of debt-credit note business datum interface according to claim 1 with circle, it is characterized in that: described IC-card comprises a minicell further, powering for giving described CPU.
6. the IC-card of debt-credit note business datum interface is deposited according to claim 5 with circle, it is characterized in that: described minicell is a rechargeable type minicell further, described rechargeable type minicell is connected with described earphone inserted sheet by a charging circuit, for when described earphone inserted sheet is connected with the described network terminal, charged by described charging circuit.
7. IC-card realizes enclosing a method of depositing, and adopts the IC-card depositing debt-credit note business datum interface described in claim 1 with circle, it is characterized in that, comprise the steps:
(1) described earphone inserted sheet is ejected from draw-in groove, and insert the audio input output interface of the described network terminal;
(2) described CPU utilizes described earphone inserted sheet, is sent to financial institution services end by the described network terminal by comprising the request circle deposit data information that circle deposits the amount of money;
(3) described financial institution services end and described CPU carry out alternately, return and confirm circle deposit data information;
(4) described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit and is decrypted and verifies authentication by described CPU, completes circle and deposits operation.
8. IC-card realizes enclosing the method for depositing according to claim 7, it is characterized in that: described earphone inserted sheet is provided with the first audio input end, second audio input end and audio output, all audio frequency inputs, the order that arranges of output terminal matches with each terminal setting position in the audio input output interface passage of the network terminal, for being realized data transmission by audio input output interface, when described earphone inserted sheet inserts the audio input output interface of the described network terminal, it is mutual that described CPU and the described network terminal carry out data message, and then by with the described network terminal and described financial institution services end mutual.
9. IC-card realizes enclosing the method for depositing according to claim 7, described IC-card comprises a keyboard further, described keyboard is connected with described CPU electricity, it is characterized in that: step (2) comprises further: described CPU utilizes described earphone inserted sheet, comprising after employing transaction data being exchanged secret key encryption by the described network terminal encloses the request circle deposit data information of depositing the amount of money and is sent to described financial institution services end, and described request circle deposit data information passes through input through keyboard in advance; Step (3) comprises further: described financial institution services end encryption and decryption rule according to a preconcerted arrangement, after the enciphered message deciphering received, circle in request circle deposit data information is deposited the amount of money mark from bank card account number, return with the instruction type of encryption afterwards and confirm that circle deposit data information is to described CPU and IC-card standard baseband processing unit; Step (4) comprises further: described confirmation circle deposit data information is sent to described safe handling storage unit by described IC-card standard baseband processing unit by described CPU, described safe handling storage unit is exchanged described in double secret key by transaction data and confirms that circle deposit data information is decrypted, user completes the password of bank card account number, the input operation of authentication certificate by keyboard simultaneously, thus the circle of specifying is deposited amount of money importing safe handling storage unit.
10. IC-card realizes enclosing the method for depositing according to claim 7, described IC-card comprises one further for starting the detecting unit of described CPU, described detecting unit is connected with described CPU and described earphone inserted sheet respectively, it is characterized in that: comprise further after step (1): detect described earphone inserted sheet by described detecting unit and whether produce the voltage larger than a preset value, if just start described CPU.
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| CN201210351292.4A CN102855697B (en) | 2012-09-20 | 2012-09-20 | Integrated circuit (IC) card with debit-credit business data interface for load and load achieving method |
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| CN104077686A (en) * | 2014-07-09 | 2014-10-01 | 辽宁嘉联科技有限公司 | Device and method for safety processing and storage of mobile payment transaction data |
| CN104050563A (en) * | 2014-07-09 | 2014-09-17 | 辽宁嘉联科技有限公司 | Method and device for achieving air recharge based on mobile phone audio socket |
| CN105279545A (en) * | 2014-07-15 | 2016-01-27 | 深圳市万通顺达科技发展有限公司 | Traffic card based on audio port communication |
| CN105072001B (en) * | 2015-07-27 | 2018-12-14 | 武汉虹信通信技术有限责任公司 | A kind of multipoint service compartment system based on packet microwave |
| JP6593736B1 (en) * | 2019-04-24 | 2019-10-23 | パナソニックＩｐマネジメント株式会社 | Payment terminal |
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