CN103605939B - Method, device and system for writing personal data in financial IC card - Google Patents
Method, device and system for writing personal data in financial IC card Download PDFInfo
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- CN103605939B CN103605939B CN201310647948.1A CN201310647948A CN103605939B CN 103605939 B CN103605939 B CN 103605939B CN 201310647948 A CN201310647948 A CN 201310647948A CN 103605939 B CN103605939 B CN 103605939B
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Abstract
The invention provides a method, device and system for writing personal data in a financial IC card. The method comprises the steps that an existing personal device is developed into a universal preset personal device, then a target configuration file is obtained according to target financial items and a target card platform, the preset personal device is configured through the specific target configuration file to obtain a target personal device, and due to the fact that the target configuration file is specially suitable for the target financial items and the target card platform, the target personal device configured and obtained through the target configuration file has specificity, and the acquired personal data are written in the financial IC card through the target personal device. According to the method, the personal device does not need to be repeatedly developed for the specific items and the card platform, the card writing efficiency of the financial IC card is improved, and the time and effort of developers are saved.
Description
Technical field
The present invention relates to IC-card field, particularly relate to a kind of financial IC card personal data wiring method,
Apparatus and system.
Background technology
Mobile payment at present the most significantly develops, and it primarily serves the purpose of permission user and uses financial IC card
Bankcard consumption on various commercial terminals.At financial IC card before the use, need to pass through finance data
One meets the mode of China's finance integrated circuit (IC) card specification (being called for short PBOC specification) and writes IC-card
In.
At present, finance data is write the method for IC-card predominantly: concrete according to different finance operators
Monetary items determines financial application parameter, and determines card parameter (card according to the card platform of financial IC card
Sheet platform is the operating system of financial IC card), then develop specially according to financial application parameter and card parameter
Door is applicable to the personalization device of this monetary items.Personalization device is a software, by this software with
Financial IC card sets up secure access channel, and the personal data that bank provides is passed through secure access channel
In write financial IC card.
Personalization device be for various a certain detailed programs and concrete card platform develop specially soft
Part, when project difference or card platform difference, just needs software developer again to develop individual's makeup
Put, not only reduce writing card efficiency but also wasting the time of developer, energy of financial IC card, therefore existing
At a kind of financial IC card personal data wiring method of needs, it is not necessary to develop personalization device every time, make individual
People's gasifying device has versatility.
Summary of the invention
The invention provides the personal data wiring method of a kind of financial IC card, Apparatus and system, we
Method provides the universal method of a kind of financial IC card personal data write, it is not necessary to exploitation is individualized every time
Device so that personalization device has versatility.
To achieve these goals, the present invention uses techniques below means:
A kind of personal data wiring method of financial IC card, including:
Obtain the application parameter corresponding with destination financial project and the card corresponding with target card platform ginseng
Number；
Target configuration file is generated according to described application parameter and described card parameter；
After presetting personalization device according to the configuration of described target configuration file, it is thus achieved that be applicable to described target gold
Melting project and the target personalization device of described target card platform, described target personalization device includes respectively
Individual monetary items and the total program of each card platform；
Obtain personal data；
Described target personalization device is utilized to write described personal data to financial IC card.
Preferably, utilize described target personalization device to write described personal data to financial IC card to include:
Described card parameter and financial IC card is utilized to set up secure access letter by described target personalization device
Road；
The target writing mode of described personal data is determined by described application parameter；
By described target personalization device according to described target writing mode by described personal data through institute
State in secure access channel write IC-card.
Preferably, described card parameter includes:
Main security domain ISD, card key and level of security.
Preferably, described application parameter includes:
Application installation parameter and writing mode parameter.
Preferably, described personal data includes:
The personal data of bank's user-defined format；Or
The personal data of operator's user-defined format.
Preferably, target writing mode includes:
Follow the finance data writing mode of China's finance integrated circuit (IC) card specification PBOC；Or
The finance data writing mode extended according to Global Platform specification.
Preferably, also include:
Described default individual's makeup is developed in advance according to each monetary items described and each card platform described
Put.
Preferably, utilize described target personalization device to financial IC card write described personal data it
After also include:
Receive the response message of described financial IC card feedback；
Show described response message.
A kind of personal data writing station of financial IC card, including:
Get parms unit, for obtain the application parameter corresponding with destination financial project and with target card
The card parameter that platform is corresponding；
Signal generating unit, for generating target configuration file according to described application parameter and described card parameter；
Dispensing unit, after presetting personalization device according to the configuration of described target configuration file, it is thus achieved that suitable
For described destination financial project and the target personalization device of described target card platform, described target
People's gasifying device includes the total program of each monetary items and each card platform；
Obtain file unit, be used for obtaining personal data；
Writing unit, is used for utilizing described target personalization device to write described individualized number to financial IC card
According to.
A kind of personal data writing system of financial IC card, including:
Processor, the card reader being connected with processor and the financial IC card being connected with described card reader；
Described processor for obtain the application parameter corresponding with destination financial project and with target card platform
Corresponding card parameter, generates target configuration file, root according to described application parameter and described card parameter
After presetting personalization device according to the configuration of described target configuration file, it is thus achieved that be applicable to described destination financial project
With the target personalization device of described target card platform, described target personalization device includes each finance
Project and the total program of each card platform, obtain personal data, utilize described target individual to disguise
Put and write described personal data to financial IC card.
The invention provides the personal data wiring method of a kind of financial IC card, Apparatus and system, the party
It is general default personalization device that existing personalization device is developed by method in advance, then according to target gold
Melt project and target card platform obtains target configuration file, concrete target configuration file configuration preset
Personalization device obtains target personalization device, owing to target configuration file is specially adapted for destination financial item
Mesh and target card platform, so the target personalization device obtained after target configuration file configures has
Specificity, the personal data write financial IC card that will be obtained by target personalization device afterwards.The method
Without for detailed programs and card platform overlapping development personalization device, not only increasing financial IC card
Write card efficiency and save the time of developer, energy.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to reality
Execute the required accompanying drawing used in example or description of the prior art to be briefly described, it should be apparent that below,
Accompanying drawing in description is only some embodiments of the present invention, for those of ordinary skill in the art,
On the premise of not paying creative work, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the flow chart of the personal data wiring method of financial IC card disclosed in the embodiment of the present invention；
Fig. 2 is the flow process of the personal data wiring method of another financial IC card disclosed in the embodiment of the present invention
Figure；
Fig. 3 is the flow process of the personal data wiring method of another financial IC card disclosed in the embodiment of the present invention
Figure；
Fig. 4 is the flow process of the personal data wiring method of another financial IC card disclosed in the embodiment of the present invention
Figure；
Fig. 5 is the structural representation of the personal data writing station of financial IC card disclosed in the embodiment of the present invention
Figure；
Fig. 6 is the structural representation of the personal data writing system of financial IC card disclosed in the embodiment of the present invention
Figure.
Detailed description of the invention
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out
Clearly and completely describe, it is clear that described embodiment is only a part of embodiment of the present invention, and
It is not all, of embodiment.Based on the embodiment in the present invention, those of ordinary skill in the art are not doing
Go out the every other embodiment obtained under creative work premise, broadly fall into the scope of protection of the invention.
The invention provides the embodiment of the personal data wiring method of a kind of financial IC card, such as Fig. 1 institute
Showing, the method comprises the following steps:
Step S101: obtain the application parameter corresponding with destination financial project and corresponding with target card platform
Card parameter；
This method is applied to the processor of personal data wiring method, and financial IC card passes through card reader and place
Reason device is connected, the application parameter first each project used before the present invention performs and card platform
The application parameter used is packaged into a special configuration file, when determining this personal data write side
After method used destination financial project and target card platform, software developer's destination financial project and mesh
Mark card platform, chooses this in special configuration file and writes application parameter and the card parameter that card is used,
And application parameter and card parameter are transmitted to processor, processor obtains corresponding with destination financial project
Application parameter and the card parameter corresponding with target card platform.
Step S102: generate target configuration file according to described application parameter and described card parameter；
Generating target configuration file according to the application parameter obtained in above-mentioned steps and card parameter, target is joined
Put file to use in subsequent step.
Described card parameter includes: main security domain (Issuer Security Domain, ISD), card are close
Key and level of security etc., the Main Function of card parameter is for setting up safety between processor and financial IC card
Access channel.Application parameter includes: application installation parameter and writing mode parameter, processor is according to application
Installation parameter generates installs application instruction, and sends installation application instruction to financial IC card, in order at gold
Melting IC-card and create financial application, financial application is using as the intended application receiving personal data.
The effect of writing mode parameter determines the writing mode of personal data write finance IC, writes at present
Mode includes: writing mode two: follow the finance of China's finance integrated circuit (IC) card specification PBOC
Data writing mode, writing mode three: write according to the finance data that Global Platform specification is extended
Enter mode.Writing mode parameter has two writing modes two the most corresponding and writing mode three, according to write
Parameter is appreciated that the writing mode of personal data.
Step S103: after presetting personalization device according to the configuration of described target configuration file, it is thus achieved that be applicable to
Described destination financial project and the target personalization device of described target card platform, described target individualizes
Device includes the total program of each monetary items and each card platform；
Also included before performing the present invention: according to each monetary items described and each card platform described
Develop described default personalization device in advance.Presetting personalization device is individualized program, and engineer will show
Personalization device is had to improve, by content relevant to each project and card platform in prior art,
Employing unifying identifier arrange so that preset personalization device main body program be each monetary items and each
The total program of card platform.
Processor presets personalization device according to obtaining the configuration of target configuration file in above-mentioned steps, its configuration
Default personalization device is predominantly carried out Initialize installation by process, by application ginseng in default personalization device
Number mark uses the application parameter of destination financial project to replace, and uses target card to put down card parameter mark
The card parameter of platform replaces, and after this step, default personalization device becomes being applicable to destination financial
Project and the target personalization device of target card platform.
Step S104: obtain personal data；
Personal data includes: the personal data of bank's user-defined format；Or operator's user-defined format
Personal data.
Personal data is generally what bank provided, wherein comprises data packet identifier, packet mark
Know symbol to use when target personalization device writes personal data to financial IC card, its effect predominantly target
Personalization device resolves and organizes individualized instruction stream to provide foundation.
Step S105: utilize described target personalization device to write described personal data to financial IC card.
The invention provides the personal data wiring method of a kind of financial IC card, the method is in advance by existing
Personalization device exploitation be general default personalization device, then according to destination financial project and target
Card platform obtains target configuration file, is then preset individual's makeup by concrete target configuration file configuration
Put acquisition target personalization device, owing to target configuration file is for being specially adapted for destination financial project and mesh
Mark card platform, so the target personalization device obtained after target configuration file configures has special
Property, the personal data write financial IC card that then will be obtained by target personalization device.The method without
For detailed programs and card platform development personalization device, not only increase financial IC card writes card efficiency
And save the time of developer, energy.
Present invention also offers the embodiment of the personal data wiring method of a kind of financial IC card, this enforcement
The concrete steps of example are unanimous on the whole with the step of method shown in Fig. 1, only done step S105 further
Refinement, step 105 specifically includes following steps as shown in Figure 2:
Step S201: utilize described card parameter to set up with financial IC card by described target personalization device
Secure access channel；
Target personalization device calls card parameter, sends instruction to financial IC card and sets up with financial IC card
Connecting, concrete: first to be resetted by financial IC card sheet, target personalization device sends to financial IC card
Select main security domain to instruct, choose the main security domain of financial IC card, then send Initial for update and refer to
Order, obtains the response data such as financial IC card enumerator and random number, and target personalization device utilizes card close
The response data obtained in key and above-mentioned steps, according to the discrete programming of Global Platform code requirement
It is calculated process key and terminal ciphertext with AES, generates external authentication Ext-Auth instruction, mesh
Mark personalization device sends external authentication instruction to financial IC card, and financial IC card is i.e. set up after responding successfully
Secure access channel.
Step S202: determined the target writing mode of described personal data by described application parameter；
Target writing mode includes: follow the finance of China's finance integrated circuit (IC) card specification PBOC
Data writing mode；Or the finance data writing mode extended according to Global Platform specification.
From step S102, writing mode is corresponding with writing mode parameter, according in application parameter
Writing mode parameter i.e. can determine that target writing mode.
Step S203: by described target personalization device according to described target writing mode by described individual
Change data in described secure access channel write IC-card.
Target personalization device resolves and organizes individualized finger according to the data packet identifier of personal data
Order stream, each instruction is all that the APDU meeting ISO7816 standard instructs (Application Protocol
Data Unit, Application Protocol Data Unit).Instruction stream was being sent before financial IC card, target
People's gasifying device needs to send according to the application parameter in target configuration file to install to apply and instructs to finance IC
Card, in order to create financial application example in card, financial application is using as the mesh receiving personal data
Mark application.Then the instruction stream of personal data is sent by target personalization device according to target writing mode
To the financial application of financial IC card, thus realize the purpose of personal data write financial IC card.
Preferably, in above-described embodiment and other embodiments provided by the present invention, as it is shown on figure 3,
After step S105, also include:
Step S301: receive the response message of described financial IC card feedback；
Personal data is after card reader write financial IC card, and whether financial IC card writes according to self
Success, to processor feedback response information.
Step S302: show described response message.
After processor receives described response message, shown by display device, in order to peopleware
Response message can be checked, in order to understand the whether write success of personal data.
Present invention also offers the specific embodiment of the personal data wiring method of a kind of financial IC card, as
Shown in Fig. 4, comprise the following steps:
Step S401: processor judges card reader whether successful connection；If successful connection, enter step
S402, if connecting unsuccessful, terminates operation.
Step S402: receive target configuration file；
Step S403: set up secure access channel according to target configuration file and financial IC card；
Step S404: obtain the individualized file comprising personal data；
Step S405: install application example in financial IC card according to application parameter in target configuration file；
Step S406: read the next line instruction of individualized file；
Step S407: whether next line instruction is empty, the most then prompting is finished, and terminates operation,
The most then enter step S408；
Step S408: whether decision instruction is recognizable instruction format, if not can recognize that instruction format then
Entering step S406, if being commanded form, then entering step S409；
Step S409: instruction is resolved to standard APDU instruction format；
Step S410: send APDU and instruct to financial IC card；
Step S411: financial IC card whether feedback response information, if not having feedback response information, enters step
Rapid S406, if feedback response information enters step S412；
Step S412: receive and show response message.
The personal data writing station of a kind of financial IC card of the present invention, as it is shown in figure 5, include:
Get parms unit 100, for obtaining the application parameter corresponding with destination financial project and and object card
The card parameter that sheet platform is corresponding；
Signal generating unit 200, for generating target configuration literary composition according to described application parameter and described card parameter
Part；
Dispensing unit 300, after presetting personalization device according to the configuration of described target configuration file, it is thus achieved that
It is applicable to described destination financial project and the target personalization device of described target card platform, described target
Personalization device includes the total program of each monetary items and each card platform；
Obtain file unit 400, be used for obtaining personal data；
Writing unit 500, is used for utilizing described target personalization device to write described individual to financial IC card
Change data.
The invention provides the personal data writing station of a kind of financial IC card, this device is in advance by existing
Personalization device exploitation be general default personalization device, then according to destination financial project and target
Card platform obtains target configuration file, is then preset individual's makeup by concrete target configuration file configuration
Put acquisition target personalization device, owing to target configuration file is for being specially adapted for destination financial project and mesh
Mark card platform, so the target personalization device obtained after target configuration file configures has special
Property, the personal data write financial IC card that then will be obtained by target personalization device.The method without
For detailed programs and card platform development personalization device, not only increase financial IC card writes card efficiency
And save the time of developer, energy.
The personal data writing system of a kind of financial IC card of the present invention, as shown in Figure 6, including:
Processor 600, the card reader 700 being connected with processor and the financial IC being connected with described card reader
Card 800；
Described processor 600 for obtain the application parameter corresponding with destination financial project and with target card
The card parameter that platform is corresponding, generates target configuration file according to described application parameter and described card parameter,
After presetting personalization device according to the configuration of described target configuration file, it is thus achieved that be applicable to described destination financial item
Mesh and the target personalization device of described target card platform, described target personalization device includes each gold
Melt the total program of project and each card platform, obtain personal data, utilize described target to individualize
Device writes described personal data to financial IC card.
Processor 600 preferably can use the personal data write dress of financial IC card as shown in Figure 6
The mode put realizes.
If the function described in the present embodiment method realizes and as independent using the form of SFU software functional unit
When production marketing or use, a calculating device-readable can be stored in and take in storage medium.Based on so
Understanding, part or the part of this technical scheme that prior art is contributed by the embodiment of the present invention can
Embodying with the form with software product, this software product is stored in a storage medium, if including
Dry instruction with so that calculating equipment (can be personal computer, server, mobile computing device
Or the network equipment etc.) perform all or part of step of method described in each embodiment of the present invention.And it is front
The storage medium stated includes: USB flash disk, portable hard drive, read only memory (ROM, Read-Only Memory),
Random access memory (RAM, Random Access Memory), magnetic disc or CD etc. are various can
To store the medium of program code.
In this specification, each embodiment uses the mode gone forward one by one to describe, and each embodiment stresses
Being the difference with other embodiments, between each embodiment, same or similar part sees mutually.
Described above to the disclosed embodiments, makes professional and technical personnel in the field be capable of or uses
The present invention.Multiple amendment to these embodiments will be aobvious and easy for those skilled in the art
See, generic principles defined herein can without departing from the spirit or scope of the present invention,
Realize in other embodiments.Therefore, the present invention is not intended to be limited to the embodiments shown herein,
And it is to fit to the widest scope consistent with principles disclosed herein and features of novelty.
Claims (9)
1. the personal data wiring method of a financial IC card, it is characterised in that including:
Obtain the application parameter corresponding with destination financial project and the card corresponding with target card platform ginseng
Number；
Target configuration file is generated according to described application parameter and described card parameter；
After presetting personalization device according to the configuration of described target configuration file, it is thus achieved that be applicable to described target gold
Melting project and the target personalization device of described target card platform, described target personalization device includes respectively
Individual monetary items and the total program of each card platform；
Obtain personal data；
Described target personalization device is utilized to write described personal data to financial IC card；
Wherein, described utilize described target personalization device to financial IC card write described personal data bag
Include:
Described card parameter and financial IC card is utilized to set up secure access letter by described target personalization device
Road；The target writing mode of described personal data is determined by described application parameter；By described target
Described personal data is write through described secure access channel by personalization device according to described target writing mode
Enter in IC-card.
2. the method for claim 1, it is characterised in that described card parameter includes:
Main security domain ISD, card key and level of security.
3. the method for claim 1, it is characterised in that described application parameter includes:
Application installation parameter and writing mode parameter.
4. the method for claim 1, it is characterised in that described personal data includes:
The personal data of bank's user-defined format；Or
The personal data of operator's user-defined format.
5. the method for claim 1, it is characterised in that target writing mode includes:
Follow the finance data writing mode of China's finance IC card specification PBOC；Or
The finance data writing mode extended according to Global Platform specification.
6. the method as described in any one of claim 1-5, it is characterised in that also include:
Described default individual's makeup is developed in advance according to each monetary items described and each card platform described
Put.
7. method as claimed in claim 6, it is characterised in that utilizing described target personalization device
Also include after financial IC card writes described personal data:
Receive the response message of described financial IC card feedback；
Show described response message.
8. one kind corresponding with the personal data wiring method of a kind of financial IC card described in claim 1
The personal data writing station of financial IC card, it is characterised in that including:
Get parms unit, for obtain the application parameter corresponding with destination financial project and with target card
The card parameter that platform is corresponding；
Signal generating unit, for generating target configuration file according to described application parameter and described card parameter；
Dispensing unit, after presetting personalization device according to the configuration of described target configuration file, it is thus achieved that suitable
For described destination financial project and the target personalization device of described target card platform, described target
People's gasifying device includes the total program of each monetary items and each card platform；
Obtain file unit, be used for obtaining personal data；
Writing unit, is used for utilizing described target personalization device to write described individualized number to financial IC card
According to.
9. one kind corresponding with the personal data wiring method of a kind of financial IC card described in claim 1
The personal data writing system of financial IC card, it is characterised in that including:
Processor, the card reader being connected with processor and the financial IC card being connected with described card reader；
Described processor for obtain the application parameter corresponding with destination financial project and with target card platform
Corresponding card parameter, generates target configuration file, root according to described application parameter and described card parameter
After presetting personalization device according to the configuration of described target configuration file, it is thus achieved that be applicable to described destination financial project
With the target personalization device of described target card platform, described target personalization device includes each finance
Project and the total program of each card platform, obtain personal data, utilize described target individual to disguise
Put and write described personal data to financial IC card.
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| CN201310647948.1A CN103605939B (en) | 2013-12-04 | 2013-12-04 | Method, device and system for writing personal data in financial IC card |
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| CN201310647948.1A CN103605939B (en) | 2013-12-04 | 2013-12-04 | Method, device and system for writing personal data in financial IC card |
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| CN103605939B true CN103605939B (en) | 2017-01-11 |
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| CN201310647948.1A Active CN103605939B (en) | 2013-12-04 | 2013-12-04 | Method, device and system for writing personal data in financial IC card |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103955392A (en) * | 2014-05-21 | 2014-07-30 | 东信和平科技股份有限公司 | Generation method and system for intelligent card writing-in file |
| WO2016023199A1 (en) * | 2014-08-13 | 2016-02-18 | 华为技术有限公司 | Method, device and system for security domain management |
| CN105337995B (en) * | 2015-11-29 | 2019-06-21 | 恒宝股份有限公司 | A kind of quick personalization method of smart card and system |
| CN107133539B (en) * | 2016-02-26 | 2020-08-11 | 北京数码视讯科技股份有限公司 | Smart card personalization method and related device and system |
| CN109167788B (en) * | 2018-09-07 | 2020-05-19 | 飞天诚信科技股份有限公司 | Financial IC card personalization method and system with dynamic verification code |
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| CN102800015A (en) * | 2012-06-15 | 2012-11-28 | 武汉天喻信息产业股份有限公司 | Financial IC (Integrated Circuit) card long-distance individualized method and system |
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| JP3820999B2 (en) * | 2002-01-25 | 2006-09-13 | ソニー株式会社 | Proximity communication system and proximity communication method, data management apparatus and data management method, storage medium, and computer program |
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| CN102520988A (en) * | 2011-11-30 | 2012-06-27 | 北京握奇数据系统有限公司 | Processing method and system of intelligent card individualization data |
| CN102521626A (en) * | 2011-11-30 | 2012-06-27 | 北京握奇数据系统有限公司 | Method and system for multi-application management of intelligent cards |
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