CN103810517A - Contact-less card capable of independently enquiring balance and recharging and using method thereof - Google Patents
Contact-less card capable of independently enquiring balance and recharging and using method thereof Download PDFInfo
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- CN103810517A CN103810517A CN201410065462.1A CN201410065462A CN103810517A CN 103810517 A CN103810517 A CN 103810517A CN 201410065462 A CN201410065462 A CN 201410065462A CN 103810517 A CN103810517 A CN 103810517A
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Abstract
The invention relates to a contact-less card capable of independently inquiring balance and recharging and a using method thereof. The contact-less card comprises a universal serial bus (USB) interface module, an interface converting module, an internal processing module and a contact-less interface module, wherein the USB interface module is used for providing communication based on USB protocol; the interface converting module is used for performing protocol conversion on received messages from the USB interface module or the internal processing module so as to achieve intercommunication of the messages of the USB interface module and the internal processing module; the internal processing module is used for processing messages sent by the interface converting module and the contact-less interface module so as to achieve functions of digital certificate, balance enquiry and recharging; the contact-less interface module is used for providing contact-less communication and interacting with the internal processing module so as to achieve the function of electronic cash card swiping. According to the contact-less card capable of independently enquiring balance and recharging and the using method thereof, the function of USB KEY digital certificate is achieved for network security, the function of contact-less smart card is achieved for convenient and rapid payment, the contact-less smart card can be recharged and balance enquiry of the card can be achieved through a USB interface, and people's life is greatly convenient.
Description
Technical field
The present invention relates to electronic technology field, relate in particular to a kind of non-contact card and using method thereof that can independently query the balance and supplement with money.
Background technology
The development of electronic information technology, greatly facilitates people's life, and the business activity that people carry out on network is more and more.For the security of guarantee information, USB KEY uses more and more extensive.As, the U shield of industrial and commercial bank, Net silver shield of Construction Bank etc.
Common USB KEY is generally the digital certificate as user, for network security, but its function singleness, does not possess the function of bankcard consumption.And common non-contact card, as: the all-purpose card that public transport subway uses, generally be used in and carry out bankcard consumption, this card generally only depends on card number to distinguish difference each other, do not possess as digital certificate, the ability of identification user identity, and supplement with money and also need fixing mechanism to supplement with money, the convenience that non-contact card uses affected.
Two kinds of its things of the each row of function of USB KEY and non-contact card, the Digital Certificate Security function of USB KEY can not provide any assurance to the safety of contactless smart card, contactless smart card if supplement with money usually will go to mechanism that fix, safety, user is caused to very large inconvenience, and user can not be in and check the remaining sum of non-contact card, whether non-contact card remaining sum is sufficient in time.
Therefore, need a kind of product of development badly, both possessed the function of the digital certificate of USB KEY, for network security, possesses again contactless smart card function, for conveniently paying, can also supplement with money and inquiry into balance contactless smart card by USB interface, can greatly facilitate so people's life.
Summary of the invention
Technical matters to be solved by this invention is for the deficiencies in the prior art, a kind of non-contact card and using method thereof that can independently query the balance and supplement with money is provided, both there is the function of digital certificate, possesses again non-contact card function, convenient and swift payment, especially can realize and independently supplementing with money and inquiry into balance, needn't go to specialized agency to supplement with money and inquiry into balance.
The technical scheme that the present invention solves the problems of the technologies described above is as follows: a kind of non-contact card that can independently query the balance and supplement with money, comprises usb interface module, interface modular converter, inter-process module, non-contact interface module; Described usb interface module is connected with one end of interface modular converter, and the other end of described interface modular converter is connected with inter-process module, and the other end of inter-process module is connected with non-contact interface module;
Described usb interface module, it is for providing the communication based on usb protocol;
Described interface modular converter, it,, for the message from usb interface module or inter-process module receiving is carried out to protocol conversion, realizes the message intercommunication of usb interface module and inter-process module;
Described inter-process module, it,, for the treatment of the message of interface modular converter and the transmission of non-contact interface module, realizes digital certificate functionality, inquiry into balance and charging function;
Described non-contact interface module, for contactless communication is provided, and carries out alternately, realizing electronic cash function of swiping card with inter-process module.
The invention has the beneficial effects as follows: the present invention had both possessed the function of the digital certificate of USB KEY, for network security, possesses again contactless smart card function, for conveniently paying, can also supplement with money and inquiry into balance contactless smart card by USB interface, greatly facilitate people's life.
On the basis of technique scheme, the present invention can also do following improvement.
Further, described inter-process module comprises main control unit, USB KEY unit, safety loop deposit receipt unit and electronic cash unit;
Described main control unit, it starts USB KEY unit or safety loop deposit receipt unit for the command selection sending according to interface modular converter;
Described USB KEY unit, the startup command that it sends for receiving main control unit, carries out authentication with extraneous transaction platform, sets up level of security;
Described safety loop deposit receipt unit, the startup command that it sends for receiving main control unit, judge whether the level of security that USB KEY unit is set up reaches pre-provisioning request, reach the inquiry into balance order that just receiving interface modular converter sends of pre-provisioning request or supplement order with money, from electronic cash unit, obtain balance data according to inquiry into balance order, and return to interface modular converter, according to the correctness of supplementing order and extraneous transaction platform confirmation charging information with money, confirm the correct rear balance data of revising electronic cash unit;
Described electronic cash unit, it is for stored balance data, and coordinates and carry out noncontact bankcard consumption with non-contact interface module.
Further, described USB KEY unit is also for by interface modular converter, usb interface module and extraneous transaction platform consulting session key, and session key is sent to safety loop deposit receipt unit.
Further, described non-contact interface module adopts ISO14443 agreement to carry out contactless communication.
Further, described non-contact interface module adopts the combination of double-interface IC card chip or RF card reader chip and RFID chip.
Another technical scheme that the present invention solves the problems of the technologies described above is as follows: a kind of method of utilizing non-contact card to realize autonomous inquiry into balance, supplement with money and swipe the card, comprises following inquiry into balance or the step of supplementing with money:
Step 1: the main control unit of inter-process module receives by usb interface module and interface modular converter the order that extraneous transaction platform webpage sends, and judges command type, if step 2 is carried out in inquiry into balance order; If supplement command execution step 3 with money;
Step 2: directly start the safety loop deposit receipt unit of inter-process module, safety loop deposit receipt unit obtains the balance data in electronic cash unit according to inquiry into balance order, and returns to the webpage of transaction platform, execution step 9;
Step 3: start the USB KEY unit of inter-process module, USB KEY unit and extraneous transaction platform carry out safety check, and set up level of security;
Step 4: whether the level of security that the safety loop deposit receipt unit of inter-process module is differentiated in USB KEY unit reaches pre-provisioning request, if reached, performs step 5; Otherwise execution step 9;
Step 5: the webpage by transaction platform is inputted transaction data to transaction platform, sends to the safety loop deposit receipt unit of inter-process module after transaction platform is encrypted;
Step 6: the safety loop deposit receipt unit of inter-process module examines the source of transaction data, examines by return to transaction data confirmation to transaction platform;
Step 7: transaction platform is deducted the corresponding amount of money of user account after receiving transaction data confirmation, and send to the safety loop deposit receipt unit of inner processing module the information of withholing;
Step 8: the safety loop deposit receipt unit of inter-process module receives and withholds after information, revises the balance data of electronic cash unit, and return to remaining sum to transaction platform and revise information;
Step 9: finish implementation.
On the basis of technique scheme, the present invention can also do following improvement.
Further, technique scheme also comprises the step of swiping the card as follows:
Described non-contact interface module sends card using information to the electronic cash unit of inner processing module, revises the balance data of electronic cash unit.
Further, the USB KEY unit of the module of inter-process described in step 1 carries out safety check and comprises:
Operating personnel are carried out to password verification, confirm operating personnel's identity, carry out internal authentication with the preposition webpage of transaction platform, confirm the identity of preposition webpage; Preposition webpage and transaction platform carry out outside authentication by certificate, confirm the identity of transaction platform.
Adopt the beneficial effect of above-mentioned further scheme: carry out password verification, can prevent that other people from using described non-contact card to conclude the business without permission privately; Carry out internal authentication, can guarantee the security of preposition webpage identity, prevent that the preposition webpage of personation is as fishing website, personation is stolen secret information; Carry out external authentication, can guarantee the security of transaction platform identity, and then consulting session key, the information that prevents is ravesdropping and distorts in transmitting procedure; Above-mentioned multi-level authentication, has strengthened the security of transaction greatly.
Further, after also comprising in step 1 that verification is passed through, USB KEY unit and transaction platform consulting session key; Session key is sent to safety loop deposit receipt unit by USB KEY unit; Transaction data, the information of withholing that transaction platform sends to the safety loop deposit receipt unit of inner processing module, and the transaction data confirmation that sends to transaction platform of safety loop deposit receipt unit, remaining sum is revised information all by sending after session key again.
Accompanying drawing explanation
Fig. 1 is a kind of non-contact card structured flowchart that can independently query the balance and supplement with money of the present invention;
Fig. 2 is inter-process modular structure block diagram of the present invention;
Fig. 3 is a kind of method flow diagram that utilizes non-contact card of the present invention to realize and independently query the balance and supplement with money and swipe the card.
In accompanying drawing, the list of parts of each label representative is as follows:
100, usb interface module, 200, interface modular converter, 300, inter-process module, 400, non-contact interface module, 301, main control unit, 302, USB KEY unit, 303, safety loop deposit receipt unit, 304, electronic cash unit.
Embodiment
Below in conjunction with accompanying drawing, principle of the present invention and feature are described, example, only for explaining the present invention, is not intended to limit scope of the present invention.
As shown in Figure 1, a kind of non-contact card that can independently query the balance and supplement with money, comprises usb interface module 100, interface modular converter 200, inter-process module 300, non-contact interface module 400; Described usb interface module 100 is connected with one end of interface modular converter 200, and the other end of described interface modular converter 200 is connected with inter-process module 300, and the other end of inter-process module 300 is connected with non-contact interface module 400;
Described usb interface module 100, it is for providing the communication based on usb protocol;
Described interface modular converter 200, it,, for the message from usb interface module or inter-process module receiving is carried out to protocol conversion, realizes the message intercommunication of usb interface module and inter-process module;
Described inter-process module 300, it,, for the treatment of the message of interface modular converter and the transmission of non-contact interface module, realizes digital certificate functionality, inquiry into balance and charging function;
Described non-contact interface module 400, for contactless communication is provided, and carries out alternately, realizing electronic cash function of swiping card with inter-process module.
Wherein, the message that described interface modular converter 200 specifically receives usb interface module 100 carries out, after protocol conversion, sending inter-process module 300 to; Or the message that inter-process module 300 is sent carries out protocol conversion, send usb interface module 100 to; Described interface modular converter 200 can be converted to USB interface interface or the SPI interface of ISO7816 series.
Wherein, described inter-process module 300 possesses the common interfaces such as ISO7816, SPI, GPIO.
Wherein, described non-contact interface module 400 adopts ISO14443 agreement to carry out contactless communication.
Wherein, described non-contact interface module 400 adopts the combination of double-interface IC card chip or RF card reader chip and RFID chip.
Described non-contact interface module 400 can be included in inner processing module 300, as one of them logical device, also can be used as an independent device, is connected with inter-process module 300 by pin.
As shown in Figure 2, described inter-process module 300 comprises main control unit 301, USB KEY unit 302, safety loop deposit receipt unit 303 and electronic cash unit 304;
Described main control unit 301, it starts USBKEY unit 301 or safety loop deposit receipt unit 302 for the command selection sending according to interface modular converter;
Described USB KEY unit 302, the startup command that it sends for receiving main control unit 301, carries out authentication with extraneous transaction platform, sets up level of security;
Described safety loop deposit receipt unit 303, the startup command that it sends for receiving main control unit 301, judge whether the level of security that USB KEY unit 302 is set up reaches pre-provisioning request, reach the inquiry into balance order that just receiving interface modular converter 200 sends of pre-provisioning request or supplement order with money, from electronic cash unit 304, obtain balance data according to inquiry into balance order, and return to interface modular converter, according to the correctness of supplementing order and extraneous transaction platform confirmation charging information with money, confirm the correct rear balance data of revising electronic cash unit;
Described electronic cash unit 304, it is for stored balance data, and coordinates and carry out noncontact bankcard consumption with non-contact interface module 400.
Wherein, described USB KEY unit 301 is also for by interface modular converter 200, usb interface module 100 and extraneous transaction platform consulting session key, and session key is sent to safety loop deposit receipt unit 302.
Wherein, safety loop deposit receipt unit 302, is mainly security and the validity of supplementing with money for guaranteeing.
The non-contact card that can independently query the balance and supplement with money of the present invention, by usb interface module 100(USB interface and usb circuit) equipment that has a USB control bus with PC etc. communicates, also can communicate as PICC and PCD by non-contact interface module 400.
The function firmware that inter-process module has comprised USB KEY, makes whole device use on external unit as USB KEY; Comprise electronic cash function firmware, made whole device communicate as contactless IC card and the outside device that contains contactless card reader; Comprise safety loop and deposited the firmware of function, after safety condition is met, the remaining sum of electronic cash has been inquired about and revised.
As shown in Figure 3, a kind of method of utilizing non-contact card to realize autonomous inquiry into balance, supplement with money and swipe the card, comprises following inquiry into balance or the step of supplementing with money:
Step 1: the main control unit of inter-process module receives by usb interface module and interface modular converter the order that extraneous transaction platform webpage sends, and judges command type, if step 2 is carried out in inquiry into balance order; If supplement command execution step 3 with money;
Step 2: directly start the safety loop deposit receipt unit of inter-process module, safety loop deposit receipt unit obtains the balance data in electronic cash unit according to inquiry into balance order, and returns to the webpage of transaction platform, execution step 9;
Step 3: start the USB KEY unit of inter-process module, USB KEY unit and extraneous transaction platform carry out safety check, and set up level of security;
Step 4: whether the level of security that the safety loop deposit receipt unit of inter-process module is differentiated in USB KEY unit reaches pre-provisioning request, if reached, performs step 5; Otherwise execution step 9;
Step 5: the webpage by transaction platform is inputted transaction data to transaction platform, sends to the safety loop deposit receipt unit of inter-process module after transaction platform is encrypted;
Step 6: the safety loop deposit receipt unit of inter-process module examines the source of transaction data, examines by return to transaction data confirmation to transaction platform;
Step 7: transaction platform is deducted the corresponding amount of money of user account after receiving transaction data confirmation, and send to the safety loop deposit receipt unit of inner processing module the information of withholing;
Step 8: the safety loop deposit receipt unit of inter-process module receives and withholds after information, revises the balance data of electronic cash unit, and return to remaining sum to transaction platform and revise information;
Step 9: finish implementation.
Safety loop deposit receipt unit and the electronic cash unit of inter-process module of the present invention, can effectively identify both parties' identity, and can be through repeatedly completing alternately the confirmation of transaction content and the encryption of Transaction Information and signature, guarantee that dealing money is not ravesdropping, distorts and non-repudiation.
Wherein, technique scheme also comprises the step of swiping the card as follows:
Described non-contact interface module sends card using information to the electronic cash unit of inner processing module, revises the balance data of electronic cash unit.
Wherein, the USB KEY unit of the module of inter-process described in step 1 carries out safety check and comprises:
Operating personnel are carried out to password verification, confirm operating personnel's identity, carry out internal authentication with the preposition webpage of transaction platform, confirm the identity of preposition webpage; Preposition webpage and transaction platform carry out outside authentication by certificate, confirm the identity of transaction platform.
Wherein, after also comprising in step 1 that verification is passed through, USB KEY unit and transaction platform consulting session key; Session key is sent to safety loop deposit receipt unit by USB KEY unit; Transaction data, the information of withholing that transaction platform sends to the safety loop deposit receipt unit of inner processing module, and the transaction data confirmation that sends to transaction platform of safety loop deposit receipt unit, remaining sum is revised information all by sending after session key again.
Non-contact card of the present invention, its can as non-contact card (mass transit card, mess card) etc. carry out bankcard consumption, can also on PC, carry out autonomous inquiry into balance by USB interface and supplement operation with money.
In the time independently supplementing with money, first transaction platform can send the Transaction Information with signature to non-contact card, and non-contact card is received after Transaction Information, can examine the signature of Transaction Information, if determine it is that transaction platform sends, can respond response message in the mode of application cryptogram; The response message that transaction platform is received, for allowing this transaction, can be deducted the money of user account, and the result signature of withholing sends to non-contact card; What non-contact card was received withhold, and result is successfully, the electronic cash remaining sum in non-contact card is supplemented with money, and recharging result signature is sent to transaction platform; Transaction platform is received after recharging result, if card successful recharging, by demonstrations such as webpages: successful recharging; If transaction platform is not received recharging result, or supplement with money unsuccessfully,, should supplement correction with money to prompting user.User selects to supplement with money after correction, and transaction platform judges the reason of Fail Transaction, if card is supplemented with money unsuccessfully, again supplements with money.If successful recharging, and do not receive recharging result, closing the transaction.
Non-contact card of the present invention can be used as the security of USB KEY assurance account, can also carry out bankcard consumption as smart card.And again USB interface is done multiplexingly, by usb interface module and interface modular converter, carried out that safety is supplemented with money and inquiry into balance can to electronic cash account, need not allow again user go fixed mechanism to supplement with money.
USB KEY has guaranteed the security of the operation of network account, can coordinate the safety loop deposit receipt unit of inter-process module to guarantee supplementing with money to electronic cash remaining sum and the security of query manipulation simultaneously.Electronic cash can be used for carrying out fast, bankcard consumption easily.Several functions complement each other, not only easy to use, but also can guarantee safety, of many uses, and can be under identical use function, the quantity of the object that relates to function that minimizing user holds, but also substantially met user's use habit originally, and collect multiple advantage and the whole body, greatly facilitate user.
The foregoing is only preferred embodiment of the present invention, in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (9)
1. the non-contact card that can independently query the balance and supplement with money, is characterized in that, comprises usb interface module, interface modular converter, inter-process module, non-contact interface module; Described usb interface module is connected with one end of interface modular converter, and the other end of described interface modular converter is connected with inter-process module, and the other end of inter-process module is connected with non-contact interface module;
Described usb interface module, it is for providing the communication based on usb protocol;
Described interface modular converter, it,, for the message from usb interface module or inter-process module receiving is carried out to protocol conversion, realizes the message intercommunication of usb interface module and inter-process module;
Described inter-process module, it,, for the treatment of the message of interface modular converter and the transmission of non-contact interface module, realizes digital certificate functionality, inquiry into balance and charging function;
Described non-contact interface module, for contactless communication is provided, and carries out alternately, realizing electronic cash function of swiping card with inter-process module.
2. a kind of non-contact card that can independently query the balance and supplement with money according to claim 1, is characterized in that, described inter-process module comprises main control unit, USB KEY unit, safety loop deposit receipt unit and electronic cash unit;
Described main control unit, it starts USB KEY unit or safety loop deposit receipt unit for the command selection sending according to interface modular converter;
Described USB KEY unit, the startup command that it sends for receiving main control unit, carries out authentication with extraneous transaction platform, sets up level of security;
Described safety loop deposit receipt unit, the startup command that it sends for receiving main control unit, judge whether the level of security that USB KEY unit is set up reaches pre-provisioning request, reach the inquiry into balance order that just receiving interface modular converter sends of pre-provisioning request or supplement order with money, from electronic cash unit, obtain balance data according to inquiry into balance order, and return to interface modular converter, according to the correctness of supplementing order and extraneous transaction platform confirmation charging information with money, confirm the correct rear balance data of revising electronic cash unit;
Described electronic cash unit, it is for stored balance data, and coordinates and carry out noncontact bankcard consumption with non-contact interface module.
3. a kind of non-contact card that can independently query the balance and supplement with money according to claim 2, it is characterized in that, described USB KEY unit is also for by interface modular converter, usb interface module and extraneous transaction platform consulting session key, and session key is sent to safety loop deposit receipt unit.
4. a kind of non-contact card that can independently query the balance and supplement with money according to claim 1, is characterized in that, described non-contact interface module adopts ISO14443 agreement to carry out contactless communication.
5. a kind of non-contact card that can independently query the balance and supplement with money according to claim 1, is characterized in that, described non-contact interface module adopts the combination of double-interface IC card chip or RF card reader chip and RFID chip.
6. utilize the method that in claim 1-5, arbitrary described non-contact card that can independently query the balance and supplement with money is realized autonomous inquiry into balance, supplements with money and swiped the card, it is characterized in that, comprise following inquiry into balance or the step of supplementing with money:
Step 1: the main control unit of inter-process module receives by usb interface module and interface modular converter the order that extraneous transaction platform webpage sends, and judges command type, if step 2 is carried out in inquiry into balance order; If supplement command execution step 3 with money;
Step 2: directly start the safety loop deposit receipt unit of inter-process module, safety loop deposit receipt unit obtains the balance data in electronic cash unit according to inquiry into balance order, and returns to the webpage of transaction platform, execution step 9;
Step 3: start the USB KEY unit of inter-process module, USB KEY unit and extraneous transaction platform carry out safety check, and set up level of security;
Step 4: whether the level of security that the safety loop deposit receipt unit of inter-process module is differentiated in USB KEY unit reaches pre-provisioning request, if reached, performs step 5; Otherwise execution step 9;
Step 5: input transaction data by transaction platform webpage to transaction platform, send to the safety loop deposit receipt unit of inter-process module after transaction platform is encrypted;
Step 6: the safety loop deposit receipt unit of inter-process module examines the source of transaction data, examines by return to transaction data confirmation to transaction platform;
Step 7: transaction platform is deducted the corresponding amount of money of user account after receiving transaction data confirmation, and send to the safety loop deposit receipt unit of inner processing module the information of withholing;
Step 8: the safety loop deposit receipt unit of inter-process module receives and withholds after information, revises the balance data of electronic cash unit, and return to remaining sum to transaction platform and revise information;
Step 9: finish implementation.
7. a kind of method that realizes autonomous inquiry into balance, supplements with money and swipe the card according to claim 6, is characterized in that, also comprises the step of swiping the card as follows:
Described non-contact interface module sends card using information to the electronic cash unit of inner processing module, revises the balance data of electronic cash unit.
8. a kind of method that realizes autonomous inquiry into balance, supplements with money and swipe the card according to claim 6, is characterized in that, the USB KEY unit of the module of inter-process described in step 1 carries out safety check and comprises:
Operating personnel are carried out to password verification, confirm operating personnel's identity, carry out internal authentication with the preposition webpage of transaction platform, confirm the identity of preposition webpage; Preposition webpage and transaction platform carry out outside authentication by certificate, confirm the identity of transaction platform.
9. a kind of method that realizes autonomous inquiry into balance, supplements with money and swipe the card according to claim 6, is characterized in that, after also comprising in step 1 that verification is passed through, and USB KEY unit and transaction platform consulting session key; Session key is sent to safety loop deposit receipt unit by USB KEY unit; Transaction data, the information of withholing that transaction platform sends to the safety loop deposit receipt unit of inner processing module, and the transaction data confirmation that sends to transaction platform of safety loop deposit receipt unit, remaining sum is revised information all by sending after session key again.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410065462.1A CN103810517B (en) | 2014-02-25 | 2014-02-25 | A kind of non-contact card that can independently query the balance and supplement with money and using method thereof |
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| CN201410065462.1A CN103810517B (en) | 2014-02-25 | 2014-02-25 | A kind of non-contact card that can independently query the balance and supplement with money and using method thereof |
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| CN103810517A true CN103810517A (en) | 2014-05-21 |
| CN103810517B CN103810517B (en) | 2016-08-24 |
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| CN112508159A (en) * | 2020-12-22 | 2021-03-16 | 楚天龙股份有限公司 | Information conversion method for quickly converting information and smart card |
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Also Published As
| Publication number | Publication date |
|---|---|
| CN103810517B (en) | 2016-08-24 |
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Effective date of registration: 20180822 Address after: 100037 room 909, block A, century economic and trade building, 72 West San Huan Road, Haidian District, Beijing. Patentee after: BEIJING ZHONGTIAN XINAN TECHNOLOGY CO., LTD. Address before: 100856 24, 22 building, 83 Fuxing Road, Haidian District, Beijing. Patentee before: Liu Hongwei |