CN104268754A - USB flash disk digital certificate with NFC POS - Google Patents

USB flash disk digital certificate with NFC POS Download PDF

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Publication number
CN104268754A
CN104268754A CN201410483011.XA CN201410483011A CN104268754A CN 104268754 A CN104268754 A CN 104268754A CN 201410483011 A CN201410483011 A CN 201410483011A CN 104268754 A CN104268754 A CN 104268754A
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CN
China
Prior art keywords
nfc
usbkey
card
interface
bank card
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Pending
Application number
CN201410483011.XA
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Chinese (zh)
Inventor
谭希妤
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to CN201410483011.XA priority Critical patent/CN104268754A/en
Publication of CN104268754A publication Critical patent/CN104268754A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or operator identification provisions, e.g. password entry
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

A USB flash disk digital certificate with an NFC POS comprises a USB Key, a USB Key display screen, a USB Key - NFC interface, an NFC supporting plate and an USB Key - NFC bank card. The USB flash disk digital certificate is used for certificating the validity of a bank card user. The USB Key display screen is used for displaying a merchant name, a commodity name, a transaction amount, a payment amount, a payment card number and transaction submitting time to allow the user to check. The USB Key - NFC interface is used for enabling the USB Key and the NFC supporting plate or the USB Key - NFC bank card to be connected, and based on a special-shaped USB interface of a USB communication protocol, the USB Key - NFC interface placed on the USB Key comprises an NFC card swiping device. The NFC supporting plate is connected with the USB Key through the USB Key - NFC interface, and is used for placing of an NFC bank card. The USB Key - NFC bank card is provided with the USB Key - NFC interface, and is connected with the USB Key through the USB Key - NFC interface.

Description

A kind of USB flash disk digital certificate with NFC machine for punching the card
Technical field
The present invention relates to E-Payment technical field, be specifically related to a kind of USB flash disk digital certificate with NFC machine for punching the card.
Background technology
The digital certificate of current most of bank is all USBKey, it provides the solution of USB interface-based plug and play, as long as standard USB interface USBKey being inserted computer just can be started working at once.The built-in chip containing CPU and internal memory of USBKey, each USBKEY must have a unique sequence number when dispatching from the factory, Web bank client falsely accuses in application numeral and writes in customer information by this sequence number (identification code) during book, client's system when downloadable authentication must judge that identification code could be downloaded after errorless, in internal memory, produce key, private key can not go out internal memory.Deposit Web bank in chip for identifying digital certificate and the private key of client identity, the CPU in chip can also complete encryption and Digital Signature Algorithm.Security algorithm in SBKey and standard are all the PKI(Public Key Infrastructure based on international standard, Public Key Infrastructure) architecture and X.509 standard design, exploitation with manufacture, the chip of use is by national associated safety Valuation Standard.At present in the world, not yet there is the normal case using USBKey to be cracked.
NFC technique is combining induction card reader, induction type card and point-to-point function on one chip, the same with RFID, NFC technique is also the electromagnetic induction coupling scheme by radio frequency section in frequency spectrum, carry out identifying and exchanges data with compatible equipment in short distance, current Unionpay has developed ripe NFC bank card machine for punching the card, and Unionpay's machine for punching the card of the overwhelming majority has supported the payment of NFC bank card.
The modes of payments of present shopping online is quick not, general payment, input account number, password, need a few minutes just can complete, and can only be used for the modes of payments faster of small amount payment, the E as the quick payment of Alipay, the fastest of industrial and commercial bank pays, owing to wanting short-message verification, all take more than one minute, and safe not, can only small amount payment be used for.
Such as: due to the inconvenience paid, to be purchased by electricity before working and to buy dinner material in the morning, comes home from work to fail to realize for cooking this net purchase pattern.
Therefore, current electric business is badly in need of one need not input account number, password, short-message verification, can complete payment in a few second, the net purchase modes of payments very safe again.
Summary of the invention
Embodiments provide a kind of convenient problem paid to solve net purchase with the USB flash disk digital certificate of NFC machine for punching the card.
An object of the present invention is, provides one need not input account number, password, short-message verification, can complete payment in a few second, the net purchase modes of payments very safe again.
The present invention is achieved through the following technical solutions above-mentioned purpose.
With a USB flash disk digital certificate for NFC machine for punching the card, comprise USBKey, USBKey display screen, USBKey-NFC interface, NFC pallet, USBKey-NFC bank card.
USBKey is a kind of USB flash disk digital certificate, by the legitimacy of certification bank card user.
USBKey display screen, for showing name of firm, trade name, the order amount of money, payment, payment card number, transaction submission time, is checked for user.
USBKey-NFC interface connects for USBKey and NFC pallet or USBKey-NFC bank card, and based on the special-shaped USB interface of usb communication agreement, the USBKey-NFC interface of position on USBKey comprises NFC brushing card device.
NFC pallet is connected with USBKey by USBKey-NFC interface, for putting into NFC bank card.
USBKey-NFC bank card has USBKey-NFC interface, is connected with USBKey by USBKey-NFC interface.
NFC brushing card device is connected with computing machine by the USB interface of USBKey, comprises control section and antenna part.
Antenna part position is outside USBKey-NFC interface.
A kind of use step of the USB flash disk digital certificate with NFC machine for punching the card.
Step 1: user applies for NFC bank card, USBKey to bank.
Step 2: user buys commodity, to paying the page.
Step 3: if common NFC bank card, inserts USBKey-NFC interface by NFC pallet, NFC bank card is put into NFC pallet.
Step 4: if USBKey-NFC bank card, inserts USBKey-NFC interface by USBKey-NFC bank card.
Step 5: USBKey is inserted the computing machine that net purchase is used.
Step 6: check whether the information of USBKey display screen conforms to purchase merchandise news.
Step 7: if conformed to, presses the OK key on USBKey.
Step 8:NFC brushing card device to be swiped the card delivery operation to NFC bank card, produces card using information.
Step 9: the key that card using information and USBKey generate delivers to the payment page of computing machine by USB interface, complete the payment of this shopping.
The beneficial effect of the inventive method is: can complete net purchase in a few second and pay, very safe again.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, be briefly described to the accompanying drawing used required in embodiment or description of the prior art below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those skilled in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to these accompanying drawings.
Figure l is the method and system process flow diagram of a kind of USB flash disk digital certificate with NFC machine for punching the card of the embodiment of the present invention.
Fig. 2 is the use block diagram of a kind of USB flash disk digital certificate with NFC machine for punching the card of the embodiment of the present invention.
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 the embodiment in the present invention, those of ordinary skill in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
The method and system of a kind of USB flash disk digital certificate with NFC machine for punching the card of EXAMPLE l.
As shown in Figure l, a kind of USB flash disk digital certificate with NFC machine for punching the card of the embodiment of the present invention, comprises USBKey, USBKey display screen, USBKey-NFC interface, NFC pallet, USBKey-NFC bank card.
USBKey is a kind of USB flash disk digital certificate, by the legitimacy of certification bank card user.
USBKey display screen, for showing name of firm, trade name, the order amount of money, payment, payment card number, transaction submission time, is checked for user.
USBKey-NFC interface connects for USBKey and NFC pallet or USBKey-NFC bank card, and based on the special-shaped USB interface of usb communication agreement, the USBKey-NFC interface of position on USBKey comprises NFC brushing card device.
NFC pallet is connected with USBKey by USBKey-NFC interface, for putting into NFC bank card.
USBKey-NFC bank card has USBKey-NFC interface, is connected with USBKey by USBKey-NFC interface.
NFC brushing card device is connected with computing machine by the USB interface of USBKey, comprises control section and antenna part.
Antenna part position is outside USBKey-NFC interface.
A kind of use step of the USB flash disk digital certificate with NFC machine for punching the card.
Step 1: user applies for NFC bank card, USBKey to bank.
Step 2: user buys commodity, to paying the page.
Step 3: if common NFC bank card, inserts USBKey-NFC interface by NFC pallet, NFC bank card is put into NFC pallet.
Step 4: if USBKey-NFC bank card, inserts USBKey-NFC interface by USBKey-NFC bank card.
Step 5: USBKey is inserted the computing machine that net purchase is used.
Step 6: check whether the information of USBKey display screen conforms to purchase merchandise news.
Step 7: if conformed to, presses the OK key on USBKey.
Step 8:NFC brushing card device to be swiped the card delivery operation to NFC bank card, produces card using information.
Step 9: the key that card using information and USBKey generate delivers to the payment page of computing machine by USB interface, complete the payment of this shopping.
 
Embodiment 2 one kinds is with the use step of the USB flash disk digital certificate of NFC machine for punching the card.
As shown in Figure 2, the use step of a kind of USB flash disk digital certificate with NFC machine for punching the card of the embodiment of the present invention.
Step 1: user applies for NFC bank card, USBKey to bank.
Step 2: user buys commodity, to paying the page.
Step 3: if common NFC bank card, inserts USBKey-NFC interface by NFC pallet, NFC bank card is put into NFC pallet.
Step 4: if USBKey-NFC bank card, inserts USBKey-NFC interface by USBKey-NFC bank card.
Step 5: USBKey is inserted the computing machine that net purchase is used.
Step 6: check whether the information of USBKey display screen conforms to purchase merchandise news.
Step 7: if conformed to, presses the OK key on USBKey.
Step 8:NFC brushing card device to be swiped the card delivery operation to NFC bank card, produces card using information.
Step 9: the key that card using information and USBKey generate delivers to the payment page of computing machine by USB interface, complete the payment of this shopping.
Apply specific embodiment in the present invention to set forth principle of the present invention and embodiment, the explanation of above embodiment just understands method of the present invention and core concept thereof for helping; Meanwhile, for one of ordinary skill in the art, according to thought of the present invention, all will change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.

Claims (4)

1. with a USB flash disk digital certificate for NFC machine for punching the card, it is characterized in that, comprise USBKey, USBKey display screen, USBKey-NFC interface, NFC pallet, USBKey-NFC bank card;
Described USBKey is a kind of USB flash disk digital certificate, by the legitimacy of certification bank card user;
Described USBKey display screen, for showing name of firm, trade name, the order amount of money, payment, payment card number, transaction submission time, is checked for user;
Described USBKey-NFC interface connects for USBKey and NFC pallet or USBKey-NFC bank card, and based on the special-shaped USB interface of usb communication agreement, the USBKey-NFC interface of position on USBKey comprises NFC brushing card device;
Described NFC pallet is connected with USBKey by USBKey-NFC interface, for putting into NFC bank card;
Described USBKey-NFC bank card has USBKey-NFC interface, is connected with USBKey by USBKey-NFC interface.
2. NFC brushing card device according to claim 1, is characterized in that, described NFC brushing card device is connected with computing machine by the USB interface of USBKey, comprises control section and antenna part.
3. antenna part according to claim 2, is characterized in that, described antenna part position is outside USBKey-NFC interface.
4. the use step with the USB flash disk digital certificate of NFC machine for punching the card:
Step 1: user applies for NFC bank card, USBKey to bank;
Step 2: user buys commodity, to paying the page;
Step 3: if common NFC bank card, inserts USBKey-NFC interface by NFC pallet, NFC bank card is put into NFC pallet;
Step 4: if USBKey-NFC bank card, inserts USBKey-NFC interface by USBKey-NFC bank card;
Step 5: USBKey is inserted the computing machine that net purchase is used;
Step 6: check whether the information of USBKey display screen conforms to purchase merchandise news;
Step 7: if conformed to, presses the OK key on USBKey;
Step 8:NFC brushing card device to be swiped the card delivery operation to NFC bank card, produces card using information;
Step 9: the key that card using information and USBKey generate delivers to the payment page of computing machine by USB interface, complete the payment of this shopping.
CN201410483011.XA 2014-09-19 2014-09-19 USB flash disk digital certificate with NFC POS Pending CN104268754A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201410483011.XA CN104268754A (en) 2014-09-19 2014-09-19 USB flash disk digital certificate with NFC POS

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201410483011.XA CN104268754A (en) 2014-09-19 2014-09-19 USB flash disk digital certificate with NFC POS

Publications (1)

Publication Number Publication Date
CN104268754A true CN104268754A (en) 2015-01-07

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106326790A (en) * 2015-06-30 2017-01-11 国民技术股份有限公司 Account verification device and method

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101719211A (en) * 2009-11-30 2010-06-02 李东声 IC card reader and method for safely reading and writing IC card
CN201600745U (en) * 2009-12-09 2010-10-06 高文龙 Electronic payment terminal and service equipment provided with same
CN102136170A (en) * 2011-01-05 2011-07-27 深圳市文鼎创数据科技有限公司 Mobile payment device
CN103093160A (en) * 2011-10-27 2013-05-08 普天信息技术研究院有限公司 Device assisting intelligent storage card in achieving multiple functions
WO2013124579A1 (en) * 2012-02-23 2013-08-29 Edevice Electronic equipment for the replication of ports and the routing of digital signals
CN103501191A (en) * 2013-08-21 2014-01-08 王越 Mobile payment device and method thereof based on NFC technology

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101719211A (en) * 2009-11-30 2010-06-02 李东声 IC card reader and method for safely reading and writing IC card
CN201600745U (en) * 2009-12-09 2010-10-06 高文龙 Electronic payment terminal and service equipment provided with same
CN102136170A (en) * 2011-01-05 2011-07-27 深圳市文鼎创数据科技有限公司 Mobile payment device
CN103093160A (en) * 2011-10-27 2013-05-08 普天信息技术研究院有限公司 Device assisting intelligent storage card in achieving multiple functions
WO2013124579A1 (en) * 2012-02-23 2013-08-29 Edevice Electronic equipment for the replication of ports and the routing of digital signals
CN103501191A (en) * 2013-08-21 2014-01-08 王越 Mobile payment device and method thereof based on NFC technology

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106326790A (en) * 2015-06-30 2017-01-11 国民技术股份有限公司 Account verification device and method
CN106326790B (en) * 2015-06-30 2024-03-01 国民技术股份有限公司 Account verification device and method

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Application publication date: 20150107