CN103136857B - smart card and smart card transaction control method - Google Patents

smart card and smart card transaction control method Download PDF

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Publication number
CN103136857B
CN103136857B CN201210557345.8A CN201210557345A CN103136857B CN 103136857 B CN103136857 B CN 103136857B CN 201210557345 A CN201210557345 A CN 201210557345A CN 103136857 B CN103136857 B CN 103136857B
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China
Prior art keywords
information
control module
safety chip
chip
password
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CN201210557345.8A
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Chinese (zh)
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CN103136857A (en
Inventor
李东声
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Tendyron Technology Co Ltd
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Tendyron Technology Co Ltd
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Priority to CN201210557345.8A priority Critical patent/CN103136857B/en
Publication of CN103136857A publication Critical patent/CN103136857A/en
Priority to HK13112273.8A priority patent/HK1184900A1/en
Priority to PCT/CN2013/090008 priority patent/WO2014094638A1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Abstract

The invention provides a kind of smart card and smart card transaction control method, wherein, the method comprises: safety chip receives the trading instruction from card reader by antenna; Safety chip is resolved trading instruction and is obtained Transaction Information; Safety chip judges whether comprise amount information in Transaction Information; If comprise amount information in Transaction Information, then the predetermined threshold value prestored and amount information are compared by safety chip; Trading instruction is sent to intelligent card chip according to comparison result by safety chip; Intelligent card chip performs transactional operation according to trading instruction.When card reader is concluded the business to smart card; owing to can be compared with the predetermined threshold value prestored by the amount of money of swiping the card of safety chip by card reader; thus on the basis of comparison result, trading instruction sent to intelligent card chip to perform transactional operation; smart card is possessed corresponding safety precautions; even if when completing block trade, the safety of concluding the business also can be ensured.

Description

Smart card and smart card transaction control method
Technical field
The present invention relates to a kind of electronic technology field, particularly relate to a kind of smart card and smart card transaction control method.
Background technology
Current intellective IC card mostly is single function intellective IC card; such as grease cards etc., because it is not encrypted and safety precautions, therefore to be used for the transaction of small amount; and when using intellective IC card to complete block trade by non-contact transaction mode, the safety of concluding the business can not be ensured.
And existing intellective IC card is when carrying out non-contact transaction, intellective IC card chip is by noncontact antenna transmission information, when noncontact antenna induction is to steering order from card-reading apparatus (such as: POS, ATM etc.), intellective IC card will be triggered and carry out data transmission.And in the unwitting situation of user, as long as intellective IC card receives the steering order from card-reading apparatus, intellective IC card will be triggered and carry out data transmission, thus the smart card account number of user is caused to be lost.
Summary of the invention
The present invention is intended to solve the unsafe problem of existing intellective IC card.
Fundamental purpose of the present invention is to provide a kind of smart card transaction control method;
Another object of the present invention is to provide a kind of smart card.
For achieving the above object, technical scheme of the present invention is specifically achieved in that
One aspect of the present invention provides a kind of smart card transaction control method, and described method comprises: safety chip receives the trading instruction from card reader by antenna; Described safety chip is resolved described trading instruction and is obtained Transaction Information; Described safety chip judges whether comprise amount information in described Transaction Information; If comprise described amount information in described Transaction Information, then the predetermined threshold value prestored and described amount information are compared by described safety chip; Described trading instruction is sent to described intelligent card chip according to comparison result by described safety chip; Described intelligent card chip performs transactional operation according to described trading instruction.
In addition, the step that described trading instruction is sent to described intelligent card chip comprises according to comparison result by described safety chip: if comparison result is described amount information be less than predetermined threshold value, then described trading instruction is sent to described intelligent card chip by described safety chip; If comparison result is described amount information be more than or equal to predetermined threshold value, then described safety chip performs verification operation, after completing described verification operation, described trading instruction is sent to described intelligent card chip.
In addition, described safety chip performs the combination that verification operation comprises following a kind of operation or several operation: described safety chip controls display screen and shows described amount information; Described safety chip receives the confirmation instruction of input through keyboard; Described safety chip receives the password of input through keyboard, judges that described password is correct.
In addition, if the verification operation that described safety chip performs comprises the step that described safety chip receives the confirmation instruction of input through keyboard, then also comprise before described safety chip performs the step of verification operation: described safety chip controls display screen display and confirms input prompt information; Receive the password of input through keyboard if the verification operation that described safety chip performs comprises described safety chip and judge the step that described password is correct, then also comprising before described safety chip performs the step of verification operation: described safety chip controls display screen display reminding Password Input information.
In addition, described safety chip execution verification operation comprises: described safety chip controls display screen and shows described amount information; Or described safety chip receives the confirmation instruction of input through keyboard; Or described safety chip receives the password of input through keyboard, judges that described password is correct; Or described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard; Or described safety chip receives the confirmation instruction of input through keyboard, control display screen and show described amount information; Or described safety chip control display screen shows described amount information, receives the password of input through keyboard, judges that described password is correct; Or described safety chip receives the password of input through keyboard, judge that described password is correct, control display screen and show described amount information; Or described safety chip receives the confirmation instruction of input through keyboard, receive the password of input through keyboard, judge that described password is correct; Or described safety chip receives the password of input through keyboard, judge that described password is correct, receive the confirmation instruction of input through keyboard; Or described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judge that described password is correct; Or described safety chip control display screen shows described amount information, receives the password of input through keyboard, judges that described password is correct, receive the confirmation instruction of input through keyboard; Or described safety chip receives the confirmation instruction of input through keyboard, control display screen and show described amount information, receive the password of input through keyboard, judge that described password is correct; Or described safety chip receives the confirmation instruction of input through keyboard, receive the password of input through keyboard, judge that described password is correct, control display screen and show described amount information; Or described safety chip receives the password of input through keyboard, judge that described password is correct, control display screen and show described amount information, receive the confirmation instruction of input through keyboard; Or described safety chip receives the password of input through keyboard, judge that described password is correct, receive the confirmation instruction of input through keyboard, control display screen and show described amount information.
In addition, the step that described trading instruction is sent to described intelligent card chip comprises according to comparison result by described safety chip: if comparison result is described amount information be less than first threshold, then described trading instruction is sent to described intelligent card chip by described safety chip; Be more than or equal to first threshold if comparison result is described amount information and is less than Second Threshold, then described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen shows described amount information, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip; If comparison result is described amount information be more than or equal to Second Threshold, then described safety chip control display screen shows described amount information, receive the password of input through keyboard, judge that described password is correct, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judge that described password is correct, and described trading instruction is sent to described intelligent card chip.
In addition, the step that described trading instruction is sent to described intelligent card chip comprises according to comparison result by described safety chip: if comparison result is described amount information be less than first threshold, then described trading instruction is sent to described intelligent card chip by described safety chip; Be more than or equal to first threshold if comparison result is described amount information and is less than Second Threshold, then described safety chip control display screen shows described amount information, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard, and described trading instruction is sent to described intelligent card chip; Be more than or equal to Second Threshold if comparison result is described amount information and is less than the 3rd threshold value, then described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen shows described amount information, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip; If comparison result is described amount information be more than or equal to the 3rd threshold value, then described safety chip control display screen shows described amount information, receive the password of input through keyboard, judge that described password is correct, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen shows described amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judge that described password is correct, and described trading instruction is sent to described intelligent card chip.
In addition, before described safety chip receives the step from the trading instruction of card reader by antenna, described method also comprises: by antenna described in switch open; Or the connecting path of described antenna and described safety chip is communicated with by switch; Or open described intelligent card chip by the steering order of safety chip.
In addition, after described intelligent card chip performs the step of transactional operation according to described trading instruction, described method also comprises: close described antenna by switch; Or the connecting path of described antenna and described safety chip is disconnected by switch; Or lock described intelligent card chip by the steering order of safety chip.
The present invention provides a kind of smart card on the other hand, and described smart card comprises: safety chip, intelligent card chip and antenna; Safety chip receives the trading instruction from card reader by antenna, resolves described trading instruction and obtains Transaction Information; Described safety chip judges whether comprise amount information in described Transaction Information, if comprise described amount information in described Transaction Information, then the predetermined threshold value prestored and described amount information are compared by described safety chip; Described trading instruction is sent to described intelligent card chip according to comparison result by described safety chip; Described intelligent card chip performs transactional operation according to described trading instruction.
In addition, described safety chip comprises: receiving element, resolution unit, judging unit, comparing unit and control module; Described receiving element receives the trading instruction from card reader by antenna; Described resolution unit is resolved described trading instruction and is obtained Transaction Information; Described judging unit judges whether comprise amount information in described Transaction Information; The predetermined threshold value prestored and described amount information, when described judging unit is judged to comprise described amount information in described Transaction Information, are compared by described comparing unit; Described trading instruction is sent to described intelligent card chip according to comparison result by described control module.
In addition, described safety chip also comprises: authentication unit; Described in described comparing unit comparison, amount information is less than predetermined threshold value, and send the first comparison information to described control module, described trading instruction is sent to described intelligent card chip according to described first comparison information by described control module; Described in described comparing unit comparison, amount information is more than or equal to predetermined threshold value, send the second comparison information to described control module, described control module controls described authentication unit according to described second comparison information and performs verification operation, after described authentication unit completes described verification operation, send authorization information to described control module, described trading instruction is sent to described intelligent card chip according to described authorization information by described control module.
In addition, described smart card also comprises: display screen and/or keyboard; Described display screen receives the display information of described safety chip, and shows described display information; And/or described keyboard is to described safety chip input information; Described authentication unit at least comprises the combination of following a kind of module or several module: the first authentication module, described first authentication module sends the first authorization information to described control module, and described control module controls display screen according to described first authorization information and shows described amount information; Second authentication module, described second authentication module receives the confirmation instruction of input through keyboard, and sends the second authorization information to described control module; 3rd authentication module, described 3rd authentication module receives the password of input through keyboard, judges that described password is correct, and sends the 3rd authorization information to described control module.
In addition, if described safety chip comprises the second authentication module, then described control module also controls display screen display confirmation input prompt information; If described safety chip comprises the 3rd authentication module, then described control module also controls display screen display reminding Password Input information.
In addition, described control module at least comprises: the first control module, described first control module receives described first authorization information that described first authentication module sends, and show described amount information according to described first authorization information control display screen, described trading instruction is sent to described intelligent card chip; Or second control module, described second control module receives described second authorization information that described second authentication module sends, and according to described second authorization information, described trading instruction is sent to described intelligent card chip; Or the 3rd control module, described 3rd control module receives described 3rd authorization information that described 3rd authentication module sends, and according to described second authorization information, described trading instruction is sent to described intelligent card chip according to described 3rd authorization information; Or the 4th control module, described 4th control module receives described first authorization information of described first control module transmission and described second authorization information of described second control module transmission, and show described amount information according to described first authorization information and described second authorization information control display screen, described trading instruction is sent to described intelligent card chip; Or the 5th control module, described 5th control module receives described first authorization information of described first control module transmission and described 3rd authorization information of described 3rd control module transmission, and show described amount information according to described first authorization information and described 3rd authorization information control display screen, described trading instruction is sent to described intelligent card chip; Or the 6th control module, described 6th control module receives described second authorization information of described second control module transmission and described 3rd authorization information of described 3rd control module transmission, and according to described second authorization information and described 3rd authorization information, described trading instruction is sent to described intelligent card chip; Or the 7th control module, described 7th control module receives described 3rd authorization information that described first authorization information of described first control module transmission and described second authorization information of described second control module transmission and described 3rd control module send, and show described amount information according to described first authorization information, described second authorization information and described 3rd authorization information control display screen, described trading instruction is sent to described intelligent card chip.
In addition, described comparing unit comprises: the first comparing module, described in described first comparison module, amount information is less than first threshold, send the first comparison information to described control module, described trading instruction is sent to described intelligent card chip according to described first comparison information by described control module; Second comparing module, described in described second comparison module, amount information is more than or equal to first threshold and is less than Second Threshold, send the second comparison information to described control module, described control module controls described authentication unit according to described second comparison information and performs following operation: described authentication unit receives the confirmation instruction of input through keyboard and sends the first authorization information to described control module, described control module controls display screen according to described first authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the password of input through keyboard, judge that described password correctly and send the second authorization information to described control module, described control module controls display screen according to described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; 3rd comparing module, described in described 3rd comparison module, amount information is more than or equal to Second Threshold, send the 3rd comparison information to described control module, described control module controls described authentication unit according to described 3rd comparison information and performs following operation: described authentication unit receives the password of input through keyboard, judge that described password correctly and send described first authorization information to described control module, described control module controls display screen according to described first authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the confirmation instruction of input through keyboard and sends described first authorization information to described control module, receive the password of input through keyboard, judge that described password correctly and send the second authorization information to described control module, described control module controls display screen according to described first authorization information and described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip.
In addition, described comparing unit comprises: the first comparing module, described in described first comparison module, amount information is less than first threshold, send the first comparison information to described control module, described trading instruction is sent to described intelligent card chip according to described first comparison information by described control module; Second comparing module, described in described second comparison module, amount information is more than or equal to first threshold and is less than Second Threshold, send the second comparison information to described control module, described control module controls described authentication unit according to described second comparison information and performs following operation: described authentication unit sends the first authorization information to described control module, described control module controls display screen according to described first authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the confirmation instruction of input through keyboard and sends the second authorization information to described control module, described control module controls display screen according to described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or the 3rd comparing module, described in described 3rd comparison module, amount information is more than or equal to Second Threshold and is less than the 3rd threshold value, send the 3rd comparison information to described control module, described control module controls described authentication unit according to described 3rd comparison information and performs following operation: described authentication unit receives the confirmation instruction of input through keyboard and sends described second authorization information to described control module, described control module controls display screen according to described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the password of input through keyboard, judge that described password correctly and send described 3rd authorization information to described control module, described control module controls display screen according to described 3rd authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip;
4th comparing module, described in described 4th comparison module, amount information is more than or equal to the 3rd threshold value, send the 4th comparison information to described control module, described control module controls described authentication unit according to described 4th comparison information and performs following operation: described authentication unit receives the password of input through keyboard, judge that described password correctly and send the 3rd authorization information to described control module, described control module controls display screen according to described 3rd authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the confirmation instruction of input through keyboard and sends described second authorization information to described control module, receive the password of input through keyboard, judge that described password correctly and send described 3rd authorization information to described control module, described control module controls display screen according to described second authorization information and described 3rd authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip.
In addition, described smart card also comprises: switch; Described antenna is opened or closed to described switch-linear hybrid, on described antenna; Described safety chip connects described intelligent card chip and described antenna, and when described antenna is opened for described intelligent card chip provides information transfer path.
In addition, described smart card also comprises: switch; Described switch connects described antenna and described safety chip, is communicated with or disconnects the connecting path of described antenna and described safety chip; Described safety chip connects described intelligent card chip, and when described switch closes for described intelligent card chip provides information transfer path.
In addition, described switch is mechanical switch.
In addition, described switch is electric switch, and described switch also connects described safety chip, receives the control signal of described safety chip with closure or openness.
In addition, described smart card also comprises: switch key; Described switch key is closed or disconnect described mechanical switch.
In addition, described smart card also comprises: switch key; Described switch key exports steering order to described safety chip, and described safety chip transmits control signal to control described electric switch closure or openness according to described steering order.
In addition, described safety chip also controls described intelligent card chip and opens or locking, and when described intelligent card chip is opened for described intelligent card chip provides information transfer path.
In addition, described smart card also comprises: switch key; Described switch key exports steering order to described safety chip, and described safety chip transmits control signal to control described intelligent card chip according to described steering order and opens or locking.
In addition, described smart card also comprises: USB interface, microUSB interface, audio interface or heterointerface.
In addition, described smart card also comprises: power supply, for described smart card provides electric energy.
In addition, described safety chip is also signed to data, and by the data outgoing after signature.
As seen from the above technical solution provided by the invention; a kind of smart card provided by the invention and smart card transaction control method; when card reader is concluded the business to smart card; owing to can be compared with the predetermined threshold value prestored by the amount of money of swiping the card of safety chip by card reader; thus on the basis of comparison result, trading instruction sent to intelligent card chip to perform transactional operation; smart card is possessed corresponding safety precautions; even if when completing block trade, the safety of concluding the business also can be ensured.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing used required in describing embodiment is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
The structural representation of the smart card that Fig. 1 provides for the embodiment of the present invention 1;
The process flow diagram of the smart card transaction control method that Fig. 2 provides for the embodiment of the present invention 1;
A kind of structural representation of the smart card that Fig. 3 provides for the embodiment of the present invention 2;
The another kind of structural representation of the smart card that Fig. 4 provides for the embodiment of the present invention 2;
The structural representation of the smart card that Fig. 5 provides for the embodiment of the present invention 3;
The structural representation of the smart card that Fig. 6 provides for the embodiment of the present invention 4.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, be clearly and completely described the technical scheme in the embodiment of the present invention, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiments.Based on embodiments of the invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to protection scope of the present invention.
In describing the invention, it will be appreciated that, term " " center ", " longitudinal direction ", " transverse direction ", " on ", D score, " front ", " afterwards ", " left side ", " right side ", " vertically ", " level ", " top ", " end ", " interior ", orientation or the position relationship of the instruction such as " outward " are based on orientation shown in the drawings or position relationship, only the present invention for convenience of description and simplified characterization, instead of indicate or imply that the device of indication or element must have specific orientation, with specific azimuth configuration and operation, therefore limitation of the present invention can not be interpreted as.In addition, term " first ", " second " only for describing object, and can not be interpreted as instruction or hint relative importance or quantity or position.
In describing the invention, it should be noted that, unless otherwise clearly defined and limited, term " installation ", " being connected ", " connection " should be interpreted broadly, and such as, can be fixedly connected with, also can be removably connect, or connect integratedly; Can be mechanical connection, also can be electrical connection; Can be directly be connected, also indirectly can be connected by intermediary, can be the connection of two element internals.For the ordinary skill in the art, concrete condition above-mentioned term concrete meaning in the present invention can be understood.
Below in conjunction with accompanying drawing, the embodiment of the present invention is described in further detail.
Embodiment 1
Fig. 1 illustrates the structural representation of a kind of smart card of the present invention, and see Fig. 1, smart card 10 comprises: safety chip 101, intelligent card chip 102 and antenna 103, wherein:
Safety chip 101 receives the trading instruction from card reader 20 by antenna 103, resolves trading instruction and obtains Transaction Information; Safety chip 101 judges whether comprise amount information in Transaction Information, if comprise amount information in Transaction Information, then the predetermined threshold value prestored and amount information are compared by safety chip 101; Trading instruction is sent to intelligent card chip 102 according to comparison result by safety chip 101, and intelligent card chip 102 performs transactional operation according to trading instruction.
When card reader is concluded the business to smart card; owing to can be compared with the predetermined threshold value prestored by the amount of money of swiping the card of safety chip 101 by card reader; thus on the basis of comparison result, trading instruction sent to intelligent card chip 102 to perform transactional operation; smart card is possessed corresponding safety precautions; even if when completing block trade, the safety of concluding the business also can be ensured.
Safety chip 101 connects intelligent card chip 102 and antenna 103 respectively, safety chip 101 is except performing above-mentioned functions, also as the transparent transmission path between intelligent card chip 102 and antenna 103, to conclude the business between card reader 20 and intelligent card chip 102.
Preferably, safety chip 101 can further include: receiving element 1011, resolution unit 1012, judging unit 1013, comparing unit 1014 and control module 1015;
Receiving element 1011 receives the trading instruction from card reader 20 by antenna 103;
Resolution unit 1012 is resolved trading instruction and is obtained Transaction Information;
Judging unit 1013 judges whether comprise amount information in Transaction Information;
The predetermined threshold value prestored and amount information, when judging unit 1013 is judged to comprise amount information in Transaction Information, are compared by comparing unit 1014;
Trading instruction is sent to intelligent card chip 102 according to comparison result by control module 1015.
Concrete, in the present embodiment, safety chip also comprises: authentication unit 1016;
Comparing unit 1014 comparison goes out amount information and is less than predetermined threshold value, then send the first comparison information to control module 1015, trading instruction is sent to intelligent card chip 102 according to the first comparison information by control module 1015;
Comparing unit 1014 comparison goes out amount information and is more than or equal to predetermined threshold value, then send the second comparison information to control module 1015, control module 1015 controls authentication unit 1016 according to the second comparison information and performs verification operation, after authentication unit 1016 completes verification operation, send authorization information to control module 1015, trading instruction is sent to intelligent card chip 102 according to authorization information by control module 1015.
Thus, when can ensure that the amount of money of swiping the card in card reader is less than predetermined threshold value, card reader and smart card directly perform transactional operation, when the amount of money that card reader is swiped the card is more than or equal to predetermined threshold value, first just transaction can be completed by verification operation, the safeguard of the transaction that smart card is possessed, thus the security ensureing block trade.
In addition, smart card can further include: display screen 104 and/or keyboard 105, wherein: display screen 104 can receive the display information that safety chip 101 sends, and shows display information; Thus ensure that smart card can show the amount information of swiping the card, so that user confirms.Keyboard 105 can input information to safety chip 101, and such as user presses the confirmation button in lower keyboard 105, and with to the instruction of safety chip 101 input validation, or user presses the numerical key etc. in lower keyboard 105, to input password to safety chip 101; Thus ensure that user by keyboard 105 to safety chip 101 input validation instruction and password, can improve the security of transaction of swiping the card further.Certainly, user by the cancellation button in lower keyboard 105, to cancel instruction to safety chip 101 input, can also Cancel Transaction with indicating intelligent card.
On this basis, authentication unit 1016 at least comprises the combination of following a kind of module or several module, to perform verification operation: the first authentication module, the second authentication module, the 3rd authentication module; Namely authentication unit 1016 can comprise any authentication module in the first authentication module, the second authentication module, the 3rd authentication module, also can comprise any two authentication modules in the first authentication module, the second authentication module, the 3rd authentication module, the first authentication module, the second authentication module, the 3rd authentication module three authentication modules can also be comprised.
First authentication module, the first authentication module sends the first authorization information to control module 1015, and control module 1015 controls display screen 104 according to the first authorization information and shows amount information;
Second authentication module, the second authentication module receives the confirmation instruction that keyboard 106 inputs, and sends the second authorization information to control module 1015;
3rd authentication module, the 3rd authentication module receives the password that keyboard 106 inputs, and judges that password is correct, and sends the 3rd authorization information to control module 1015.
Certainly, if the second authentication module receives the confirmation instruction that keyboard 105 inputs, and when sending the second authorization information to control module 1015, control module 1015 can also control display screen 104 and show confirmation input prompt information, to point out user to carry out confirmation operation; If the 3rd authentication module receives the password that keyboard 105 inputs, judge that password is correct, and when sending the 3rd authorization information to control module 1015, control module 1015 can also control display screen 104 display reminding Password Input information, to point out user to input password.
Certainly, authentication unit 1016 of the present invention is not limited thereto, and the operation that of above three authentication modules or its combination in any perform also can be completed by a module.
After authentication unit 1016 completes verification operation, send authorization information to control module 1015, control module 1015 performs following operation according to authorization information: control display screen display amount information, trading instruction is sent to intelligent card chip 102 etc.Thus in the present embodiment, control module 1015 can at least comprise as lower module:
First control module, the first control module receives the first authorization information that the first authentication module sends, and controls display screen display amount information according to the first authorization information, and trading instruction is sent to intelligent card chip; Or
Second control module, the second control module receives the second authorization information that the second authentication module sends, and according to the second authorization information, trading instruction is sent to intelligent card chip; Or
3rd control module, the 3rd control module receives the 3rd authorization information that the 3rd authentication module sends, and according to the second authorization information, trading instruction is sent to intelligent card chip according to the 3rd authorization information; Or
4th control module, 4th control module receives the first authorization information of the first control module transmission and the second authorization information of the second control module transmission, and control display screen display amount information according to the first authorization information and the second authorization information, trading instruction is sent to intelligent card chip; Or
5th control module, 5th control module receives the first authorization information of the first control module transmission and the 3rd authorization information of the 3rd control module transmission, and control display screen display amount information according to the first authorization information and the 3rd authorization information, trading instruction is sent to intelligent card chip; Or
6th control module, the 6th control module receives the second authorization information of the second control module transmission and the 3rd authorization information of the 3rd control module transmission, and according to the second authorization information and the 3rd authorization information, trading instruction is sent to intelligent card chip; Or
7th control module, 7th control module receives the 3rd authorization information that the first authorization information of the first control module transmission and the second authorization information of the second control module transmission and the 3rd control module send, and control display screen display amount information according to the first authorization information, the second authorization information and the 3rd authorization information, trading instruction is sent to intelligent card chip.
Certainly, the order of above control module Receipt Validation information, and can select arbitrarily according to the order of each authorization information execution corresponding operating; If each control module receives the second authorization information, then can also control display screen 104 and show confirmation input prompt information, to point out user to carry out confirmation operation; If each control module receives the 3rd authorization information, then can also control display screen 104 display reminding Password Input information, to point out user to input password.
On the architecture basics of the smart card shown at Fig. 1, Fig. 2 illustrates the smart card transaction control method of the present embodiment, and the method comprises:
S201, safety chip receives the trading instruction from card reader by antenna;
Concrete, safety chip connects antenna and intelligent card chip, as the transparent transmission path between intelligent card chip and antenna, the trading instruction from card reader is received.
S202, safety chip is resolved trading instruction and is obtained Transaction Information;
Concrete, when operation is swiped the card in execution, comprise Transaction Information from the trading instruction of card reader, safety chip is resolved trading instruction and is obtained Transaction Information, thus the convenient information judging to comprise in Transaction Information.
S203, safety chip judges whether comprise amount information in Transaction Information;
Concrete, safety chip judges whether comprise amount information in Transaction Information, if comprise amount information, then performs step S204, otherwise only as the transparent transmission path between intelligent card chip and antenna, trading instruction is sent to intelligent card chip.
S204, if comprise amount information in Transaction Information, then the predetermined threshold value prestored and amount information are compared by safety chip;
Concrete, safety chip can judge according to the amount information comprised in Transaction Information whether this transaction belongs to the block trade exceeding predetermined threshold value, if be block trade, then needs to perform verification operation to ensure the security of block trade.
S205, trading instruction is sent to intelligent card chip according to comparison result by safety chip;
Concrete, if comparison result is amount information be less than predetermined threshold value, then the trading instruction from card reader is directly sent to intelligent card chip by safety chip; If comparison result is amount information be more than or equal to predetermined threshold value, then safety chip performs verification operation, after completing verification operation, trading instruction is sent to intelligent card chip.
Safety chip performs the combination that verification operation comprises following a kind of operation or several operation:
Safety chip controls display screen display amount information; Safety chip receives the confirmation instruction of input through keyboard; Safety chip receives the password of input through keyboard, judges that password is correct.
Namely, when comparison goes out this time transaction for exceeding the block trade of predetermined threshold value, safety chip can control display screen display amount information, to provide user to check this amount of money, and trading instruction is sent to intelligent card chip completes transaction; The confirmation instruction of user by input through keyboard can also be received, such as user presses acknowledgement key and confirms that this transaction is true, and trading instruction is sent to intelligent card chip completes transaction, the password of user by input through keyboard can also be received, and after judging that password is correct, trading instruction is sent to intelligent card chip and completes transaction; Certainly, user can also by the cancellation button in lower keyboard, and to cancel instruction to safety chip input, safety chip again indicating intelligent card Cancels Transaction.
Certainly, three kinds of verification operations that above safety chip performs, can combination in any, such as, can adopt any one operation following:
(1) safety chip controls display screen display amount information;
(2) safety chip receives the confirmation instruction of input through keyboard;
(3) safety chip receives the password of input through keyboard, judges that password is correct;
(4) safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard;
(5) safety chip receives the confirmation instruction of input through keyboard, controls display screen display amount information;
(6) safety chip controls display screen display amount information, receives the password of input through keyboard, judges that password is correct;
(7) safety chip receives the password of input through keyboard, judges that password is correct, controls display screen display amount information;
(8) safety chip receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that password is correct;
(9) safety chip receives the password of input through keyboard, judges that password is correct, receives the confirmation instruction of input through keyboard;
(10) safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judge that password is correct;
(11) safety chip controls display screen display amount information, receives the password of input through keyboard, judges that password is correct, receives the confirmation instruction of input through keyboard;
(12) safety chip receives the confirmation instruction of input through keyboard, controls display screen display amount information, receives the password of input through keyboard, judge that password is correct;
(13) safety chip receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that password is correct, controls display screen display amount information;
(14) safety chip receives the password of input through keyboard, judges that password is correct, controls display screen display amount information, receives the confirmation instruction of input through keyboard;
(15) safety chip receives the password of input through keyboard, judges that password is correct, receives the confirmation instruction of input through keyboard, controls display screen display amount information.
Certainly, if safety chip receives the confirmation instruction of input through keyboard, safety chip can also control display screen display and confirm input prompt information, to point out user to carry out confirmation operation; If safety chip receives the password of input through keyboard, safety chip can also control display screen display reminding Password Input information, to point out user to input password.
S206, intelligent card chip performs transactional operation according to trading instruction.
As can be seen here; adopt smart card of the present invention transaction control method; when card reader is concluded the business to smart card; owing to can be compared with the predetermined threshold value prestored by the amount of money of swiping the card of safety chip by card reader; thus on the basis of comparison result, trading instruction sent to intelligent card chip to perform transactional operation; smart card is possessed corresponding safety precautions, even if when completing block trade, also can ensure the safety of concluding the business.
Certainly, be understandable that, in the present embodiment, smart card can also comprise: power supply, and this power supply provides electric energy for smart card.
Smart card can also comprise: USB interface, microUSB interface, audio interface or heterointerface, to be powered by interface, or carries out data transmission.
The safety chip of smart card can also be signed to Transaction Information, and by the Transaction Information outgoing after signature to transaction terminal, the terminals such as such as PC, mobile phone, notebook computer, panel computer, thus make this smart card realize the function of electric signing tools.
Embodiment 2
The difference of the present embodiment and embodiment 1 is, in the present embodiment, smart card also comprises: switch 106;
See Fig. 3, switch 106 can be arranged on antenna, opens or closes antenna; Safety chip 101 connects intelligent card chip 102 and antenna 103, and when antenna is opened for intelligent card chip provides information transfer path.
See Fig. 4, switch 106 connects antenna 103 and safety chip 101, is communicated with or disconnects the connecting path of antenna 103 and safety chip 101; Safety chip 101 connects intelligent card chip 102 and antenna 103, and when switch 106 closes for intelligent card chip provides information transfer path.
Certainly, switch 106 can be mechanical switch, and certainly, when for mechanical switch, smart card can also comprise a switch key, and user is closed or disconnection mechanical switch by switch key, user-friendly, switch 106 also can be electric switch, during for electric switch, switch 106 also connects safety chip 101, receive the control signal of safety chip 101 with closure or openness, such as, can be controlled by the control module 1015 of safety chip 101, in safety chip 101, a control module can also be arranged separately control, certainly, when for electric switch, smart card also can comprise a switch key, user exports steering order to safety chip 101 by switch key, safety chip 101 transmits control signal to control this electric switch closure or openness according to steering order, user-friendly.
Certainly, safety chip 101 can also control intelligent card chip and open or locking, and when intelligent card chip is opened for intelligent card chip provides information transfer path, certainly, the steering order that the switch key that safety chip 101 can receive smart card exports, transmit control signal to control intelligent card chip according to steering order to open or locking, user-friendly.
The smart card transaction control method of the present embodiment, compared with the method for embodiment 1, its difference is: in step S201, and before safety chip receives the step from the trading instruction of card reader by antenna, the method also comprises:
By switch open antenna; Or
The connecting path of antenna and safety chip is communicated with by switch; Or
Intelligent card chip is opened by the steering order of safety chip.
In step S206, after intelligent card chip performs the step of transactional operation according to trading instruction, the method also comprises:
Antenna is closed by switch; Or
The connecting path of antenna and safety chip is disconnected by switch; Or
By the steering order locking intelligent card chip of safety chip.
Can ensure before concluding the business thus, or transaction be finished after, user can close antenna, or forbids that card reader is by concluding the business between antenna and intelligent card chip, can prevent the stolen brush of smart card thus, ensure transaction safety.
Embodiment 3
The present embodiment is compared with embodiment 1 or embodiment 2, and its difference is that setting two threshold values compares for safety chip, thus can improve the security of transaction step by step.
The present embodiment Fig. 5 is described the structure of comparing unit 1014 based on embodiment 1, and comparing unit 1014 can comprise:
First comparing module 10141, first comparing module 10141 comparison amount information is less than first threshold, and send the first comparison information to control module 1015, trading instruction is sent to intelligent card chip 102 according to the first comparison information by control module 1015;
Second comparing module 10142, second comparison module amount information is more than or equal to first threshold and is less than Second Threshold, send the second comparison information to control module 1015, control module 1015 controls authentication unit 1016 according to the second comparison information and performs following operation:
Authentication unit 1016 receives the confirmation instruction of keyboard 105 input and sends the first authorization information to control module 1015, and control module 1015 controls display screen 104 according to the first authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the password that keyboard 105 inputs, judge that password correctly and send the second authorization information to control module 1015, control module 1015 controls display screen 104 according to the second authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102;
3rd comparing module the 10143, three comparison module amount information is more than or equal to Second Threshold, sends the 3rd comparison information to control module 1015, and control module 1015 controls authentication unit 1016 according to the 3rd comparison information and performs following operation:
Authentication unit 1016 receives the password that keyboard 105 inputs, judge that password correctly and send the first authorization information to control module 1015, control module 1015 controls display screen 104 according to the first authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the confirmation instruction of input through keyboard and sends the first authorization information to control module 1015, receive the password that keyboard 105 inputs, judge that password correctly and send the second authorization information to control module 1015, control module controls display screen 104 according to the first authorization information and the second authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102.
Certainly, the present embodiment can also be described the structure of comparing unit based on embodiment 2, and this is no longer going to repeat them.
In smart card transaction control method, step trading instruction being sent to intelligent card chip according to comparison result at safety chip specifically comprises the steps:
If comparison result is amount information be less than first threshold, then trading instruction is sent to intelligent card chip by safety chip;
Be more than or equal to first threshold if comparison result is amount information and is less than Second Threshold, then
Safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard, and trading instruction is sent to intelligent card chip; Or
Safety chip controls display screen display amount information, receives the password of input through keyboard, judges that password is correct, and trading instruction is sent to intelligent card chip;
If comparison result is amount information be more than or equal to Second Threshold, then
Safety chip controls display screen display amount information, receives the password of input through keyboard, judges that password is correct, and trading instruction is sent to intelligent card chip; Or
Safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that password is correct, and trading instruction is sent to intelligent card chip.
Embodiment 4
The present embodiment is compared with embodiment 1 or embodiment 2, and its difference is that setting three threshold values compares for safety chip, thus can improve the security of transaction further step by step.
The present embodiment Fig. 6 is described the structure of comparing unit 1014 based on embodiment 1, and comparing unit 1014 can comprise:
First comparing module 10141, first comparing module 10141 comparison amount information is less than first threshold, and send the first comparison information to control module 1015, trading instruction is sent to intelligent card chip 102 according to the first comparison information by control module 1015;
Second comparing module 10142, second comparing module 10142 comparison amount information is more than or equal to first threshold and is less than Second Threshold, send the second comparison information to control module 1015, control module 1015 controls authentication unit 1016 according to the second comparison information and performs following operation:
Authentication unit 1016 sends the first authorization information to control module 1015, and control module 1015 controls display screen 104 according to the first authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the confirmation instruction of keyboard 105 input and sends the second authorization information to control module 1015, and control module 1015 controls display screen 104 according to the second authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102; Or
3rd comparing module 10143,3rd comparing module 10143 comparison amount information is more than or equal to Second Threshold and is less than the 3rd threshold value, send the 3rd comparison information to control module 1015, control module 1015 controls authentication unit 1016 according to the 3rd comparison information and performs following operation:
Authentication unit 1016 receives the confirmation instruction of keyboard 105 input and sends the second authorization information to control module 1015, and control module 1015 controls display screen 104 according to the second authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the password that keyboard 105 inputs, judge that password correctly and send the 3rd authorization information to control module 1015, control module 1015 controls display screen 104 according to the 3rd authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102;
4th comparing module the 10144, four comparing module 10144 comparison amount information is more than or equal to the 3rd threshold value, sends the 4th comparison information to control module 1015, and control module 1015 controls authentication unit 1016 according to the 4th comparison information and performs following operation:
Authentication unit 1016 receives the password that keyboard 105 inputs, judge that password correctly and send the 3rd authorization information to control module 1015, control module 1015 controls display screen 104 according to the 3rd authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the confirmation instruction of keyboard 105 input and sends the second authorization information to control module 1015, receive the password that keyboard 105 inputs, judge that password correctly and send the 3rd authorization information to control module 1015, control module 1015 controls display screen 104 according to the second authorization information and the 3rd authorization information and shows amount information, and trading instruction is sent to intelligent card chip 102.
Certainly, the present embodiment can also be described the structure of comparing unit based on embodiment 2, and this is no longer going to repeat them.
In smart card transaction control method, step trading instruction being sent to intelligent card chip according to comparison result at safety chip specifically comprises the steps:
If comparison result is amount information be less than first threshold, then trading instruction is sent to intelligent card chip by safety chip;
Be more than or equal to first threshold if comparison result is amount information and is less than Second Threshold, then
Safety chip controls display screen display amount information, and trading instruction is sent to intelligent card chip; Or
Safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard, and trading instruction is sent to intelligent card chip;
Be more than or equal to Second Threshold if comparison result is amount information and is less than the 3rd threshold value, then
Safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard, and trading instruction is sent to intelligent card chip; Or
Safety chip controls display screen display amount information, receives the password of input through keyboard, judges that password is correct, and trading instruction is sent to intelligent card chip;
If comparison result is amount information be more than or equal to the 3rd threshold value, then
Safety chip controls display screen display amount information, receives the password of input through keyboard, judges that password is correct, and trading instruction is sent to intelligent card chip; Or
Safety chip controls display screen display amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that password is correct, and trading instruction is sent to intelligent card chip.
Describe and can be understood in process flow diagram or in this any process otherwise described or method, represent and comprise one or more for realizing the module of the code of the executable instruction of the step of specific logical function or process, fragment or part, and the scope of the preferred embodiment of the present invention comprises other realization, wherein can not according to order that is shown or that discuss, comprise according to involved function by the mode while of basic or by contrary order, carry out n-back test, this should understand by embodiments of the invention person of ordinary skill in the field.
Should be appreciated that each several part of the present invention can realize with hardware, software, firmware or their combination.In the above-described embodiment, multiple step or method can with to store in memory and the software performed by suitable instruction execution system or firmware realize.Such as, if realized with hardware, the same in another embodiment, can realize by any one in following technology well known in the art or their combination: the discrete logic with the logic gates for realizing logic function to data-signal, there is the special IC of suitable combinational logic gate circuit, programmable gate array (PGA), field programmable gate array (FPGA) etc.
Those skilled in the art are appreciated that realizing all or part of step that above-described embodiment method carries is that the hardware that can carry out instruction relevant by program completes, described program can be stored in a kind of computer-readable recording medium, this program perform time, step comprising embodiment of the method one or a combination set of.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, also can be that the independent physics of unit exists, also can be integrated in a module by two or more unit.Above-mentioned integrated module both can adopt the form of hardware to realize, and the form of software function module also can be adopted to realize.If described integrated module using the form of software function module realize and as independently production marketing or use time, also can be stored in a computer read/write memory medium.
The above-mentioned storage medium mentioned can be ROM (read-only memory), disk or CD etc.
In the description of this instructions, specific features, structure, material or feature that the description of reference term " embodiment ", " some embodiments ", " example ", " concrete example " or " some examples " etc. means to describe in conjunction with this embodiment or example are contained at least one embodiment of the present invention or example.In this manual, identical embodiment or example are not necessarily referred to the schematic representation of above-mentioned term.And the specific features of description, structure, material or feature can combine in an appropriate manner in any one or more embodiment or example.
Although illustrate and describe embodiments of the invention above, be understandable that, above-described embodiment is exemplary, can not be interpreted as limitation of the present invention, those of ordinary skill in the art can change above-described embodiment within the scope of the invention when not departing from principle of the present invention and aim, revising, replacing and modification.Scope of the present invention is by claims and equivalency thereof.

Claims (29)

1. a smart card transaction control method, it is characterized in that, described method comprises:
Safety chip receives the trading instruction from card reader by antenna;
Described safety chip is resolved described trading instruction and is obtained Transaction Information;
Described safety chip judges whether comprise amount information in described Transaction Information;
If comprise described amount information in described Transaction Information, then the predetermined threshold value prestored and described amount information are compared by described safety chip;
Described trading instruction is sent to intelligent card chip according to comparison result by described safety chip;
Described intelligent card chip performs transactional operation according to described trading instruction;
Wherein, the step that described trading instruction is sent to described intelligent card chip comprises according to comparison result by described safety chip further:
If comparison result is described amount information be less than predetermined threshold value, then described trading instruction is sent to described intelligent card chip by described safety chip;
If comparison result is described amount information be more than or equal to predetermined threshold value, then described safety chip performs verification operation, after completing described verification operation, described trading instruction is sent to described intelligent card chip.
2. method according to claim 1, is characterized in that, described safety chip performs the combination that verification operation comprises following a kind of operation or several operation:
Described safety chip controls display screen and shows described amount information; Described safety chip receives the confirmation instruction of input through keyboard; Described safety chip receives the password of input through keyboard, judges that described password is correct.
3. method according to claim 2, is characterized in that,
If the verification operation that described safety chip performs comprises the step that described safety chip receives the confirmation instruction of input through keyboard, then also comprise before described safety chip performs the step of verification operation: described safety chip controls display screen display and confirms input prompt information;
Receive the password of input through keyboard if the verification operation that described safety chip performs comprises described safety chip and judge the step that described password is correct, then also comprising before described safety chip performs the step of verification operation: described safety chip controls display screen display reminding Password Input information.
4. method according to claim 2, is characterized in that, described safety chip performs verification operation and comprises:
Described safety chip controls display screen and shows described amount information; Or
Described safety chip receives the confirmation instruction of input through keyboard; Or
Described safety chip receives the password of input through keyboard, judges that described password is correct; Or
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard; Or
Described safety chip receives the confirmation instruction of input through keyboard, controls display screen and shows described amount information; Or
Described safety chip controls display screen and shows described amount information, receives the password of input through keyboard, judges that described password is correct; Or
Described safety chip receives the password of input through keyboard, judges that described password is correct, controls display screen and shows described amount information; Or
Described safety chip receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that described password is correct; Or
Described safety chip receives the password of input through keyboard, judges that described password is correct, receives the confirmation instruction of input through keyboard; Or
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that described password is correct; Or
Described safety chip controls display screen and shows described amount information, receives the password of input through keyboard, judges that described password is correct, receives the confirmation instruction of input through keyboard; Or
Described safety chip receives the confirmation instruction of input through keyboard, controls display screen and shows described amount information, receive the password of input through keyboard, judge that described password is correct; Or
Described safety chip receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that described password is correct, controls display screen and shows described amount information; Or
Described safety chip receives the password of input through keyboard, judges that described password is correct, controls display screen and shows described amount information, receive the confirmation instruction of input through keyboard; Or
Described safety chip receives the password of input through keyboard, judges that described password is correct, receives the confirmation instruction of input through keyboard, controls display screen and shows described amount information.
5. method according to claim 1, is characterized in that, the step that described trading instruction is sent to described intelligent card chip comprises according to comparison result by described safety chip:
If comparison result is described amount information be less than first threshold, then described trading instruction is sent to described intelligent card chip by described safety chip;
Be more than or equal to first threshold if comparison result is described amount information and is less than Second Threshold, then
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip controls display screen and shows described amount information, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip;
If comparison result is described amount information be more than or equal to Second Threshold, then
Described safety chip controls display screen and shows described amount information, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip.
6. method according to claim 1, is characterized in that, the step that described trading instruction is sent to described intelligent card chip comprises according to comparison result by described safety chip:
If comparison result is described amount information be less than first threshold, then described trading instruction is sent to described intelligent card chip by described safety chip;
Be more than or equal to first threshold if comparison result is described amount information and is less than Second Threshold, then
Described safety chip controls display screen and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard, and described trading instruction is sent to described intelligent card chip;
Be more than or equal to Second Threshold if comparison result is described amount information and is less than the 3rd threshold value, then
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip controls display screen and shows described amount information, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip;
If comparison result is described amount information be more than or equal to the 3rd threshold value, then
Described safety chip controls display screen and shows described amount information, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip controls display screen and shows described amount information, receives the confirmation instruction of input through keyboard, receives the password of input through keyboard, judges that described password is correct, and described trading instruction is sent to described intelligent card chip.
7. the method according to any one of claim 1-6, is characterized in that, before described safety chip receives the step from the trading instruction of card reader by antenna, described method also comprises:
By antenna described in switch open; Or
The connecting path of described antenna and described safety chip is communicated with by switch; Or
Described intelligent card chip is opened by the steering order of safety chip.
8. the method according to any one of claim 1-6, is characterized in that, after described intelligent card chip performs the step of transactional operation according to described trading instruction, described method also comprises:
Described antenna is closed by switch; Or
The connecting path of described antenna and described safety chip is disconnected by switch; Or
Described intelligent card chip is locked by the steering order of safety chip.
9. a smart card, is characterized in that, described smart card comprises: safety chip, intelligent card chip and antenna;
Safety chip receives the trading instruction from card reader by antenna, resolves described trading instruction and obtains Transaction Information;
Described safety chip judges whether comprise amount information in described Transaction Information, if comprise described amount information in described Transaction Information, then the predetermined threshold value prestored and described amount information are compared by described safety chip;
Described trading instruction is sent to described intelligent card chip according to comparison result by described safety chip;
Described intelligent card chip performs transactional operation according to described trading instruction;
Described safety chip comprises: receiving element, resolution unit, judging unit, comparing unit and control module;
Described receiving element receives the trading instruction from card reader by antenna;
Described resolution unit is resolved described trading instruction and is obtained Transaction Information;
Described judging unit judges whether comprise amount information in described Transaction Information;
The predetermined threshold value prestored and described amount information, when described judging unit is judged to comprise described amount information in described Transaction Information, are compared by described comparing unit;
Described trading instruction is sent to described intelligent card chip according to comparison result by described control module;
Described safety chip also comprises: authentication unit;
Described in described comparing unit comparison, amount information is less than predetermined threshold value, and send the first comparison information to described control module, described trading instruction is sent to described intelligent card chip according to described first comparison information by described control module;
Described in described comparing unit comparison, amount information is more than or equal to predetermined threshold value, send the second comparison information to described control module, described control module controls described authentication unit according to described second comparison information and performs verification operation, after described authentication unit completes described verification operation, send authorization information to described control module, described trading instruction is sent to described intelligent card chip according to described authorization information by described control module.
10. smart card according to claim 9, is characterized in that, described smart card also comprises: display screen and keyboard;
Described display screen receives the display information of described safety chip, and shows described display information; And/or
Described keyboard is to described safety chip input information;
Described authentication unit at least comprises the combination of following a kind of module or several module:
First authentication module, described first authentication module sends the first authorization information to described control module, and described control module controls display screen according to described first authorization information and shows described amount information;
Second authentication module, described second authentication module receives the confirmation instruction of input through keyboard, and sends the second authorization information to described control module;
3rd authentication module, described 3rd authentication module receives the password of input through keyboard, judges that described password is correct, and sends the 3rd authorization information to described control module.
11. smart cards according to claim 10, is characterized in that,
If described safety chip comprises the second authentication module, then described control module also controls display screen display confirmation input prompt information;
If described safety chip comprises the 3rd authentication module, then described control module also controls display screen display reminding Password Input information.
12. smart cards according to claim 10, is characterized in that, described control module at least comprises:
First control module, described first control module receives described first authorization information that described first authentication module sends, and shows described amount information according to described first authorization information control display screen, and described trading instruction is sent to described intelligent card chip; Or
Second control module, described second control module receives described second authorization information that described second authentication module sends, and according to described second authorization information, described trading instruction is sent to described intelligent card chip; Or
3rd control module, described 3rd control module receives described 3rd authorization information that described 3rd authentication module sends, and according to described 3rd authorization information, described trading instruction is sent to described intelligent card chip; Or
4th control module, described 4th control module receives described first authorization information of described first control module transmission and described second authorization information of described second control module transmission, and show described amount information according to described first authorization information and described second authorization information control display screen, described trading instruction is sent to described intelligent card chip; Or
5th control module, described 5th control module receives described first authorization information of described first control module transmission and described 3rd authorization information of described 3rd control module transmission, and show described amount information according to described first authorization information and described 3rd authorization information control display screen, described trading instruction is sent to described intelligent card chip; Or
6th control module, described 6th control module receives described second authorization information of described second control module transmission and described 3rd authorization information of described 3rd control module transmission, and according to described second authorization information and described 3rd authorization information, described trading instruction is sent to described intelligent card chip; Or
7th control module, described 7th control module receives described 3rd authorization information that described first authorization information of described first control module transmission and described second authorization information of described second control module transmission and described 3rd control module send, and show described amount information according to described first authorization information, described second authorization information and described 3rd authorization information control display screen, described trading instruction is sent to described intelligent card chip.
13. smart cards according to claim 9, is characterized in that, described comparing unit comprises:
First comparing module, described in described first comparison module, amount information is less than first threshold, and send the first comparison information to described control module, described trading instruction is sent to described intelligent card chip according to described first comparison information by described control module;
Second comparing module, described in described second comparison module, amount information is more than or equal to first threshold and is less than Second Threshold, send the second comparison information to described control module, described control module controls described authentication unit according to described second comparison information and performs following operation:
Described authentication unit receives the confirmation instruction of input through keyboard and sends the first authorization information to described control module, described control module controls display screen according to described first authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the password of input through keyboard, judge that described password correctly and send the second authorization information to described control module, described control module controls display screen according to described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip;
3rd comparing module, described in described 3rd comparison module, amount information is more than or equal to Second Threshold, sends the 3rd comparison information to described control module, and described control module controls described authentication unit according to described 3rd comparison information and performs following operation:
Described authentication unit receives the password of input through keyboard, judge that described password correctly and send described first authorization information to described control module, described control module controls display screen according to described first authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the confirmation instruction of input through keyboard and sends described first authorization information to described control module, receive the password of input through keyboard, judge that described password correctly and send the second authorization information to described control module, described control module controls display screen according to described first authorization information and described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip.
14. smart cards according to claim 9, is characterized in that, described comparing unit comprises:
First comparing module, described in described first comparison module, amount information is less than first threshold, and send the first comparison information to described control module, described trading instruction is sent to described intelligent card chip according to described first comparison information by described control module;
Second comparing module, described in described second comparison module, amount information is more than or equal to first threshold and is less than Second Threshold, send the second comparison information to described control module, described control module controls described authentication unit according to described second comparison information and performs following operation:
Described authentication unit sends the first authorization information to described control module, and described control module controls display screen according to described first authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the confirmation instruction of input through keyboard and sends the second authorization information to described control module, described control module controls display screen according to described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
3rd comparing module, described in described 3rd comparison module, amount information is more than or equal to Second Threshold and is less than the 3rd threshold value, send the 3rd comparison information to described control module, described control module controls described authentication unit according to described 3rd comparison information and performs following operation:
Described authentication unit receives the confirmation instruction of input through keyboard and sends described second authorization information to described control module, described control module controls display screen according to described second authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the password of input through keyboard, judge that described password correctly and send the 3rd authorization information to described control module, described control module controls display screen according to described 3rd authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip;
4th comparing module, described in described 4th comparison module, amount information is more than or equal to the 3rd threshold value, sends the 4th comparison information to described control module, and described control module controls described authentication unit according to described 4th comparison information and performs following operation:
Described authentication unit receives the password of input through keyboard, judge that described password correctly and send the 3rd authorization information to described control module, described control module controls display screen according to described 3rd authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the confirmation instruction of input through keyboard and sends described second authorization information to described control module, receive the password of input through keyboard, judge that described password correctly and send described 3rd authorization information to described control module, described control module controls display screen according to described second authorization information and described 3rd authorization information and shows described amount information, and described trading instruction is sent to described intelligent card chip.
15. smart cards according to any one of claim 9-14, it is characterized in that, described smart card also comprises: switch;
Described antenna is opened or closed to described switch-linear hybrid, on described antenna;
Described safety chip connects described intelligent card chip and described antenna, and when described antenna is opened for described intelligent card chip provides information transfer path.
16. smart cards according to any one of claim 9-14, it is characterized in that, described smart card also comprises: switch;
Described switch connects described antenna and described safety chip, is communicated with or disconnects the connecting path of described antenna and described safety chip;
Described safety chip connects described intelligent card chip, and when described switch closes for described intelligent card chip provides information transfer path.
17. smart cards according to claim 15, is characterized in that, described switch is mechanical switch.
18. smart cards according to claim 16, is characterized in that, described switch is mechanical switch.
19. smart cards according to claim 15, is characterized in that, described switch is electric switch, and described switch also connects described safety chip, receive the control signal of described safety chip with closure or openness.
20. smart cards according to claim 16, is characterized in that, described switch is electric switch, and described switch also connects described safety chip, receive the control signal of described safety chip with closure or openness.
21. smart cards according to claim 17, is characterized in that, described smart card also comprises: switch key;
Described switch key is closed or disconnect described mechanical switch.
22. smart cards according to claim 18, is characterized in that, described smart card also comprises: switch key;
Described switch key is closed or disconnect described mechanical switch.
23. smart cards according to claim 19, is characterized in that, described smart card also comprises: switch key;
Described switch key exports steering order to described safety chip, and described safety chip transmits control signal to control described electric switch closure or openness according to described steering order.
24. smart cards according to claim 20, is characterized in that, described smart card also comprises: switch key;
Described switch key exports steering order to described safety chip, and described safety chip transmits control signal to control described electric switch closure or openness according to described steering order.
25. smart cards according to any one of claim 9-14, is characterized in that, described safety chip also controls described intelligent card chip and opens or locking, and when described intelligent card chip is opened for described intelligent card chip provides information transfer path.
26. smart cards according to claim 25, is characterized in that, described smart card also comprises: switch key;
Described switch key exports steering order to described safety chip, and described safety chip transmits control signal to control described intelligent card chip according to described steering order and opens or locking.
27. smart cards according to any one of claim 9-14, it is characterized in that, described smart card also comprises: USB interface, audio interface or heterointerface.
28. smart cards according to any one of claim 9-14, it is characterized in that, described smart card also comprises: power supply, for described smart card provides electric energy.
29. smart cards according to any one of claim 9-14, it is characterized in that, described safety chip is also signed to data, and by the data outgoing after signature.
CN201210557345.8A 2012-12-20 2012-12-20 smart card and smart card transaction control method Active CN103136857B (en)

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