CN102867374A - Bank card applied to on-line banking and on-line banking safety system - Google Patents
Bank card applied to on-line banking and on-line banking safety system Download PDFInfo
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- CN102867374A CN102867374A CN201210332976XA CN201210332976A CN102867374A CN 102867374 A CN102867374 A CN 102867374A CN 201210332976X A CN201210332976X A CN 201210332976XA CN 201210332976 A CN201210332976 A CN 201210332976A CN 102867374 A CN102867374 A CN 102867374A
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Abstract
The invention provides a bank card applied to on-line banking and an on-line banking safety system. The bank card comprises a USB (Universal Serial Bus) interface, a main chip part, a card-switching control component, a USB-key control component and a display screen, wherein the main chip part comprises a card number solidifying chip used for storing bank card number information and card number check information, a user information storage which is used for storing personnel information comprising identity card information, a USB-key information storage which is used for storing a digital certificate and a reserve password for identifying the identity of a user, and a USB-key password check chip which is used for checking whether passwords put by the users are the same as the reserved passwords stored in the USB-key information storage and transmitting the checking result to the online banking; the card-switching control component is used for activating the card number solidifying chip and the user information storage and controlling the online banking to read the information of the card number solidifying chip and the user information storage by virtue of a USB interface; the USB-key control component is used for controlling and activating the USB-key information storage and the USB-key password check chip and controlling the online banking to read the information of the USB-key information storage and the USB-key password check chip by virtue of the USB interface; and the display screen is used for displaying the transaction control information.
Description
Technical field
The present invention relates to the bank card technology field, particularly, relate to a kind of novel bank card and Web bank's security system that is applied to Web bank.
Background technology
In today of computer and network technologies fast development, that the user more and more tends to is easy to use, the Self-Service mode such as Web bank realizes the management of fund efficiently.But present Web bank logins by the mode that the user inputs card number and password, this mode is very dangerous because of the use that lacks medium, concerning the user, need in addition long being not easy of bank's card number to remember, the again easily input error of manual input card number, particularly very inconvenient for aging user.But because the restriction of prior art, the user handles Internet-based banking services with the higher bank card medium of safety coefficient in the computer network at home again.Traditional bank card all is card-like, and two kinds of chip card and magnetic stripe cards are arranged, and stores card number, card verifying information etc. by chip or magnetic stripe, thereby so that concludes the business relatively safer by the bank card medium.But bank card must use special card reader arrangement just can read out information in magnetic stripe or the chip, and the user can't carry out network bank business based with bank card in the computer network at home voluntarily.
That is to say that the user can't realize the Net silver operation of simple and safe ground by bank card, this has brought inconvenience to the user.
Summary of the invention
The fundamental purpose of the embodiment of the invention is to provide a kind of bank card and Web bank's security system that is applied to Web bank, can't realize that simple and safe ground Net silver operates and the problem of making troubles to the user by bank card to solve in the prior art.
To achieve these goals, the embodiment of the invention provides a kind of bank card that is applied to Web bank, and this bank card comprises: USB interface, be connected with computing machine, and be used for the exchanges data between described bank card and the described Web bank; The master chip part comprises: the card number curing chip is used for storage bank's card number information and card number check information; User information store is for storage user's the personal information that comprises ID (identity number) card information; U shield information-storing device is used for digital certificate and reserving cipher that user identity is identified in storage; U shield cryptographic check chip, whether the password that is used for the verified users input is consistent with the reserving cipher that described U shield information-storing device is stored, and check results is sent to described Web bank, with the handling safety of assurance user in described Web bank; Card switching controls parts comprise: card information control activates the unit, is used for when being subject to pressed by external force, and control activates described card number curing chip and user information store; Card information control reading unit, be used for after activating described card number curing chip and user information store, control described Web bank and read described card number curing chip and user information store canned data by described USB interface, so that described Web bank verifies the card number curing chip and the user information store canned data that obtain; U shield control assembly comprises: the control of U shield activates the unit, is used for when being subject to pressed by external force, and control activates described U shield information-storing device and U shield cryptographic check chip; U shield control reading unit, be used for after activating described U shield information-storing device and U shield cryptographic check chip, control described Web bank and read the information of described U shield information-storing device and U shield cryptographic check chip by described USB interface, so that described Web bank carries out the Net silver operation to the U shield information-storing device that obtains and the information of U shield cryptographic check chip; Display screen is used for showing duty and the control information that described bank card is current.
Above-mentioned card number curing chip also is used for: obtain described bank card number information and card number check information by described USB interface from banking system.
Above-mentioned user information store also is used for: the personal information that comprises ID (identity number) card information of obtaining described user by described USB interface from banking system.
Above-mentioned U shield information-storing device also is used for: download described digital certificate, also receive the described reserving cipher that the user inputs by described USB interface from banking system by described USB interface.
The embodiment of the invention also provides a kind of Web bank security system, this system comprises: the above-mentioned bank card that is applied to Web bank, banking system and Web bank, wherein, be connected to each other between described bank card, banking system and the Web bank, described Web bank verifies to described banking system by the information of obtaining described bank card, to realize the Net silver operation.
By means of technique scheme one of at least, connect computing machine by USB interface, card switching controls parts and U shield control assembly are used for activating the master chip part, so that Web bank can obtain the Transaction Information of master chip part, by Web bank the Transaction Information that obtains is realized the Net silver operation, having overcome existing bank card needs special-purpose card reader reading information and can't realize the problem that Net silver operates, so that the user can realize the Net silver operation easily and safely.
Description of drawings
In order to be illustrated more clearly in the embodiment of the invention or technical scheme of the prior art, the accompanying drawing of required use was done to introduce simply during the below will describe embodiment, apparently, accompanying drawing in the following describes only is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain according to these accompanying drawings other accompanying drawing.
Fig. 1 is the structural representation according to the bank card that is applied to Web bank of the embodiment of the invention;
Fig. 2 is the another kind of structural representation according to the bank card of the embodiment of the invention;
Fig. 3 is the concrete structure synoptic diagram according to the bank card of the embodiment of the invention;
Fig. 4 is the bank card initialization flowchart according to the embodiment of the invention;
Fig. 5 is the process flow diagram that carries out online transaction according to the use bank card of the embodiment of the invention;
Fig. 6 is the process flow diagram that carries out bank's cabinet face transaction according to the use bank card of the embodiment of the invention;
Fig. 7 is the structural representation according to Web bank's security system of the embodiment of the invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the invention, the technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment only is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to protection domain of the present invention not making the every other embodiment that obtains under the creative work prerequisite.
Because the bank card of prior art can not be used for the Net silver operation, this has brought inconvenience to the client, therefore needs a kind of novel card media, so that the user does not need to rely on special-purpose card reader, and just can be to use easily and safely Web bank on PC.The embodiment of the invention provides a kind of bank card and system that is applied to Web bank.The present invention is described in detail below in conjunction with accompanying drawing.
The embodiment of the invention provides a kind of bank card that is applied to Web bank, and Fig. 1 is the structural representation of this bank card, and as shown in Figure 1, this bank card comprises:
Usb 11 is connected with computing machine, is used for the exchanges data between bank card and the Web bank;
Master chip part 12(is positioned at bank card inside), comprising: card number curing chip 121 is used for storage bank's card number information and card number check information; User information store 122 is for storage user's the personal information that comprises ID (identity number) card information; U shield information-storing device 123 is used for digital certificate and reserving cipher that user identity is identified in storage; U shield cryptographic check chip 124, whether the password that is used for the verified users input is consistent with the reserving cipher that U shield information-storing device is stored, and check results is sent to Web bank, with the assurance user handling safety of bank on the net;
Card switching controls parts 13 comprise: card information control activates unit 131, is used for when being subject to pressed by external force, and control activates card number curing chip and user information store; Card information control reading unit 132, be used for after activating card number curing chip and user information store, control Web bank reads card number curing chip and user information store canned data by USB interface, so that Web bank verifies the card number curing chip and the user information store canned data that obtain;
U shield control assembly 14 comprises: the control of U shield activates unit 141, is used for when being subject to pressed by external force, and control activates U shield information-storing device and U shield cryptographic check chip; U shield control reading unit 142, be used for after activating U shield information-storing device and U shield cryptographic check chip, control Web bank reads the information of U shield information-storing device and U shield cryptographic check chip by USB interface, so that carry out the Net silver operation after the information comparison information of Web bank to the U shield information-storing device that obtains and U shield cryptographic check chip;
Can be found out by above description, connect computing machine by USB interface, card switching controls parts and U shield control assembly are used for activating the master chip part, so that Web bank can obtain the Transaction Information of master chip part, after by Web bank the Transaction Information that obtains being proved to be successful, the operation of realization Net silver, thereby having overcome existing bank card needs special-purpose card reader reading information and can't realize the problem that Net silver operates, by the embodiment of the invention, the user can realize the Net silver operation easily and safely.
Before the above-mentioned bank card work that is applied to Web bank, also need this bank card is carried out initialization operation, specifically comprise following operation.
Above-mentioned card number curing chip also is used for: obtain bank's card number information and card number check information by USB interface from banking system.By bank's card number information and card number check information are solidificated on the chip, in the time of can realizing internet banking operation, bank system of web obtains the information on the chip and these information is verified or by these information the information of user input is verified, thereby guarantee the security of Net silver operation, also bring more facility to the user simultaneously.
Above-mentioned user information store also is used for: the personal information that comprises ID (identity number) card information of obtaining the user by USB interface from banking system.By the userspersonal information is solidificated on the chip, in the time of can realizing internet banking operation, bank system of web obtains the information on the chip and these information is verified or by these information the information of user input is verified, thereby guarantee the security of Net silver operation, also bring more facility to the user simultaneously.
Above-mentioned U shield information-storing device also is used for: the reserving cipher of user's input when handling novel bank card by USB interface from the banking system downloading digital certificate and by the USB interface reception.By the storage with digital certificate and reserving cipher, in the time of can realizing internet banking operation, bank system of web obtains the information on the chip and these information is verified or by these information the information of user input is verified, thereby guarantee the security of Net silver operation, also bring more facility to the user simultaneously.
Fig. 2 is the another kind of structural representation of the bank card of the embodiment of the invention, and as shown in Figure 2, this bank card comprises: data processing equipment 1, information display screen 2, card switching push button 3, U shield switching push button 4, USB interface 5.
In order further to understand the embodiment of the invention, below describe respectively each unit in detail.
Data processing equipment 1, be used for the built-in chip card, be responsible for storing in the mode of encrypting user's the information such as card number, check information, digital certificate and personal key, and under the triggering of card switching push button 3 and U shield switching push button 4, permission is read and write above information, pass to computer system by USB interface 5, finish relationship trading.
As shown in Figure 3, data processing equipment 1 comprises following part: card number curing module 101, subscriber information storing module 102, U shield information storage module 103, U shield cryptographic check module 104.Wherein, card number curing module 101, subscriber information storing module 102 are connected with USB interface 5, card switching push button 3 and information display screen 2 respectively; U shield information storage module 103, U shield cryptographic check module 104 are connected with USB interface 5, U shield switching push button 3 and information display screen 2 respectively.Wherein:
Card number curing module 101 be responsible for to solidify storage card number information and card number check information, and this card number information and card number check information have solidified when dispatching from the factory and be stored in the medium, and be unique corresponding with card media.Belonging card is novel bank card, and affiliated card number can be bank's sequence card number.This card number curing module is stored in the novel bank the core of the card sheet storer.
Subscriber information storing module 102 is responsible for storage user's personal information, such as: information such as ID (identity number) card No., communication modes, address, postcode etc.When the user received novel bank card media, subscriber information storing module 102 received userspersonal information's data and stores from computing machine by USB interface, solidifies simultaneously bank's card number and subscriber identity information and carries out binding relationship.This subscriber information storing module can be a storer.
U shield information storage module 103, be responsible in internal memory, producing key behind the downloading digital certificate, and the digital certificate of user identity, private key or the password that user oneself arranges are identified in preservation, private key or password are revised by the user after also can being arranged by system, simultaneously when the user receives the instruction of enquiring digital certificate of computer input, the information such as feedback digital certificate.This U shield information storage module also can be a storer.
U shield cryptographic check module 104, be responsible for the user when Net silver input U shield password, the U shield password of the storage verification of comparing in the user's that will get access to by USB interface input password and the U shield information storage module 103, if verification is passed through, then will feed back to Net silver to allow transaction to proceed by information; Otherwise report an error, then the transaction of Net silver refusal.
The function of card switching push button 3 is: press this button, card number curing module 101 in the trigger data treating apparatus 1, subscriber information storing module 102 activate, and allow computing machine by data such as USB interface 5 read-write bank card numbers, card number check information, userspersonal informations.Simultaneously, bank's card number information passes to information display screen 2 and shows through deciphering.This button is also born the user profile storage and is revised and confirm function.In practical operation, be activation bank card functionality district by this button for the first time, again pressing this button is ACK button.
The function of U shield switching push button 4 is: press this button, the U shield information storage module 103 in the trigger data treating apparatus 1, U shield cryptographic check module 104 activates, and allows computing machine to encrypt the data such as the digital certificate of storage and personal key by USB interface 5 read-writes.Simultaneously, information display screen 2 shows that current use state is " U shield ", and shows that with the symbol of encrypting the user inputs the figure place of password.In practical operation, be activation U shield functional areas by this button for the first time, again pressing this button is ACK button.
USB interface 5: be responsible for carrying out exchanges data between bank card and the computing machine.
Below provide the initialization flow process of above-mentioned bank card, as shown in Figure 4, this flow process comprises:
Step 401: the user provides perfect instrument at the novel bank card of bank counter application, and the teller inserts bank preposing terminal USB interface with novel bank card, presses card switching push button 3, starts card number curing module 101, subscriber information storing module 102;
Step 402: novel bank cartoon is crossed USB interface 5 and is received user's personal information from the computing machine that is connected with banking system, for example: and ID (identity number) card No., communication modes, address, postcode etc., and in the storing subscriber information memory module 102;
Step 403: again press card switching push button 3, data processing equipment 1 is with the user profile of storage in the subscriber information storing module 102, and bank's card number of card number curing module 101 storages is bound;
Step 404: press U shield switching push button 4, start U shield information storage module 103, download personal user's digital certificate from banking system, and generate private key;
Step 405: the user arranges U shield password, and when again pressing U shield switching push button 4, U shield encrypted message is stored in the U shield information storage module 103.
A following embodiment for using novel bank card to carry out online transaction, idiographic flow be as shown in Figure 5:
Step 501: the user orders goods to businessman from network;
Step 502: businessman passes to the user with overall quotation information;
Step 503: the system prompt user-pay, the user inserts computer USB interface with novel bank card;
Step 504: the user opens Web bank, presses card switching push button 3, activates card number curing module 101, automatically reads the bank's card number that solidifies storage, automatically reads the card number input frame on the list webpage; And read the card number check information and be submitted to system and carry out verification;
Step 505: verification is passed through, and system prompt inserts the U shield and verifies that the user presses U shield switching push button 4, starts U shield information storage module 103, reads digital certificate and personal key information;
Step 506: system prompt input U shield password, the user inputs U shield password, the verification of comparing of the U shield password of 104 pairs of inputs of U shield cryptographic check module and reserving cipher;
Step 507: the verification password is correct, submits payment instruction to, finishes online payment; Otherwise refusal transaction.
A following embodiment for using novel bank card to carry out bank's cabinet face transaction, idiographic flow be as shown in Figure 6:
Step 601: the operation of concluding the business of bank cashier input transaction code, bank's card number is inputted in the transaction system prompting;
Step 602: the user inserts USB interface with novel bank card;
Step 603: press card switching push button 3, activate card number curing module 101, automatically read the bank's card number that solidifies storage, be input to the card number input frame in the computer transactions picture; And read the card number check information and be submitted to system and carry out verification;
Step 604: the card number verification is passed through, and the teller proceeds the transaction operation;
Step 605: when transaction need to be carried out cryptographic check (such as: the transaction such as transfer accounts, withdraw the money), the U shield is inserted in the banking system prompting, and the user presses U shield switching push button 4, starts U shield information storage module 103, reads digital certificate and personal key information;
Step 606: system prompt input U shield password, the user inputs U shield password, the verification of comparing of the U shield password of 104 pairs of inputs of U shield cryptographic check module and reserving cipher;
Step 607: the verification password is correct, finishes transaction processing; Otherwise refusal transaction.
The novel bank card that the embodiment of the invention provides, because the built-in information such as bank card number, check information and personal certificate, private key, U shield password, so that the user can be connected bank card by USB interface with computing machine, broken away from the dependence of traditional bank card media to card reader special, not only provide easy-to-use for the user, the more important thing is to have strengthened the go to bank security of self-service dealing of user network, promoted the application of bank card in the Internet bank.
The embodiment of the invention also provides a kind of Web bank security system, as shown in Figure 7, this system comprises the bank card 701 in above-described embodiment, banking system 702 and Web bank 703, bank card, be connected to each other between banking system and the Web bank, bank card carries out the initialization setting by banking system, the user is by bank card on the net after bank's verification succeeds afterwards, the operation of realization Net silver, need the operation of specific card reader ability check information than bank card of the prior art, the embodiment of the invention can be implemented in carries out the Net silver operation safely on the computing machine, bring more facility to the user.
Bank card in the embodiment of the invention; card number information curing is stored in the medium; personal certificate and private key have been stored simultaneously; and carry out data interaction by USB interface and Web bank; accomplish the perfect adaptation of bank card and U shield, thereby from according to solving user's fund security problem, protect user's fund to be inviolable; having overcome bank card of the prior art must come Card Reader by special reader device, can't be widely used in the shortcoming in the internet bank trade.
In sum, the embodiment of the invention has the following advantages:
1. bank card adopts chip PBOC2.0 technology, thereby the bank card that can prevent the user is cloned, and level of security is high;
2. the embodiment of the invention can directly read bank card number by USB interface, saved the trouble of the manual typing bank card number of user, simultaneously can read the card number check information and carry out verification by banking system, have higher security and convenience than simple input card number operation;
3. built-in U shield personal certificate and private key all can use the U shield no matter the user is Web bank or the payment of cabinet face, both effectively protected user's assets security, and the user only need remember that a password gets final product simultaneously, makes things convenient for the user to carry and uses;
4. novel bank card has increased display screen, can be with Transaction Information in the novel U shield cipher inquiry card.Such as time deposit detail, transaction details etc. in the card, make things convenient for the client to understand the card internal information of oneself;
5. novel bank card has increased self bank card information query function, and commercial bank just needn't be for the client be equipped with account book, thereby reduces widely the operating cost of commercial bank, improves commercial profit and competitiveness.
One of ordinary skill in the art will appreciate that all or part of step that realizes in above-described embodiment method can come the relevant hardware of instruction finish by program, this program can be stored in the computer read/write memory medium, such as ROM/RAM, magnetic disc, CD etc.
Above-described specific embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is specific embodiments of the invention; the protection domain that is not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (5)
1. a bank card that is applied to Web bank is characterized in that, described bank card comprises:
USB interface is connected with computing machine, is used for the exchanges data between described bank card and the described Web bank;
The master chip part comprises:
The card number curing chip is used for storage bank's card number information and card number check information;
User information store is for storage user's the personal information that comprises ID (identity number) card information;
U shield information-storing device is used for digital certificate and reserving cipher that user identity is identified in storage;
U shield cryptographic check chip, whether the password that is used for the verified users input is consistent with the reserving cipher that described U shield information-storing device is stored, and check results is sent to described Web bank, with the handling safety of assurance user in described Web bank;
Card switching controls parts comprise:
Card information control activates the unit, is used for when being subject to pressed by external force, and control activates described card number curing chip and user information store;
Card information control reading unit, be used for after activating described card number curing chip and user information store, control described Web bank and read described card number curing chip and user information store canned data by described USB interface, so that described Web bank verifies the card number curing chip and the user information store canned data that obtain;
U shield control assembly comprises:
The control of U shield activates the unit, is used for when being subject to pressed by external force, and control activates described U shield information-storing device and U shield cryptographic check chip;
U shield control reading unit, be used for after activating described U shield information-storing device and U shield cryptographic check chip, control described Web bank and read the information of described U shield information-storing device and U shield cryptographic check chip by described USB interface, so that described Web bank carries out the Net silver operation to the U shield information-storing device that obtains and the information of U shield cryptographic check chip;
Display screen is used for showing duty and the control information that described bank card is current.
2. bank card according to claim 1 is characterized in that, described card number curing chip also is used for: obtain described bank card number information and card number check information by described USB interface from banking system.
3. bank card according to claim 1 is characterized in that, described user information store also is used for: the personal information that comprises ID (identity number) card information of obtaining described user by described USB interface from banking system.
4. bank card according to claim 1 is characterized in that, described U shield information-storing device also is used for: download described digital certificate, also receive the described reserving cipher that the user inputs by described USB interface from banking system by described USB interface.
5. Web bank's security system, it is characterized in that, described system comprises: each described bank card, banking system and Web bank that is applied to Web bank in the claim 1 to 4, wherein, be connected to each other between described bank card, banking system and the Web bank, described Web bank verifies to described banking system by the information of obtaining described bank card, to realize the Net silver operation.
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| CN107231343B (en) * | 2017-04-25 | 2019-10-11 | 广东网金控股股份有限公司 | A kind of U-shield Activiation method, client and system |
| JP2019075065A (en) * | 2017-10-18 | 2019-05-16 | 聡子 荻原 | Net Bank Reader |
| CN113282939A (en) * | 2021-06-07 | 2021-08-20 | 中国电子科技集团公司第二十九研究所 | Data unloading encryption and decryption method and system based on PowerPC and detachable storage equipment |
| CN113282939B (en) * | 2021-06-07 | 2022-05-24 | 中国电子科技集团公司第二十九研究所 | Data unloading encryption and decryption method and system based on PowerPC and detachable storage equipment |
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