CN104599128A - transaction authentication card - Google Patents
transaction authentication card Download PDFInfo
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- CN104599128A CN104599128A CN201510040372.1A CN201510040372A CN104599128A CN 104599128 A CN104599128 A CN 104599128A CN 201510040372 A CN201510040372 A CN 201510040372A CN 104599128 A CN104599128 A CN 104599128A
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- authentication
- transaction
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- transaction authentication
- authentication card
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- 230000033001 locomotion Effects 0.000 claims abstract description 12
- 238000004891 communication Methods 0.000 claims description 14
- 238000012795 verification Methods 0.000 claims description 12
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- 230000001133 acceleration Effects 0.000 claims description 5
- 238000012790 confirmation Methods 0.000 abstract 1
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- 239000011435 rock Substances 0.000 description 3
- 230000007246 mechanism Effects 0.000 description 2
- 238000010295 mobile communication Methods 0.000 description 2
- 238000012360 testing method Methods 0.000 description 2
- 238000010200 validation analysis Methods 0.000 description 2
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- 238000009795 derivation Methods 0.000 description 1
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Abstract
The invention relates to a transaction authentication card, which comprises an intelligent authentication module for storing authentication action conditions, and a sensing instruction is generated in response to the request of a transaction authentication program; the intelligent authentication module compares the authentication action value received by the action sensor with an authentication action condition stored in the intelligent authentication module to generate an action authentication success instruction for the transaction authentication program to interpret when the comparison is consistent; through the technical scheme, the transaction authentication card can be integrated into a memory card or an SIM card, a user can directly plug the transaction authentication card into the portable electronic device, so that the use is more convenient, the motion action of the transaction authentication card is sensed through the action sensor to serve as double confirmation, and the safety of network transaction is improved.
Description
Technical field
The present invention relates to a kind of certification card, particularly relate to a kind of transaction authentication card of authenticated identity when concluding the business for telecommunication network.
Background technology
Along with the fast development of Mobile Communications technology, such as: the exploitation of the Mobile Communications technology such as 3G (3rd-Generation), WiMAX (Worldwide Interoperability for Microwave Access), LTE (Long Term Evolution), and the portable electronic devices such as intelligent mobile phone and flat computer is universal, utilize portable electronic devices to the business model of carrying out network electronic trade also take advantage of a situation flourish.
When general use portable electronic devices carries out network electronic trade, only need the account of input user and password to complete transact payment when paying the bill, but, this kind of Payment Methods have account number cipher by the risk having people to steal, therefore develop a kind of collocation when network trading and use digital authenticating carrier, be plugged on portable electronic devices the status key of the exclusive user of having, thus make digital authenticating carrier usually be similar to the carry-on circumscribed hardware of USB, the U shield that the such as National Industrial and Commercial Bank of China issues, must just can conclude the business by this digital authenticating carrier external when using portable electronic devices to carry out network trading simultaneously, to realize the mechanism of exchange that must be transmitted through the digital authenticating carrier utilizing hardware encipher, safety of network trade is guaranteed from Yan.
Further, in order to have better secret effect, the digital authenticating carrier of a new generation has more standby physical button, during carrying out network electronic trade, except the identity key in certification digital authenticating carrier, more to press physical button to confirm transaction program by user, make process of exchange have double authentication, and then promote the security of network trading.
But, no matter be first generation numerical digit certification carrier or numerical digit certification carrier of new generation, be all independent of outside portable electronic devices, if when user leaves behind digital authenticating carrier, then cannot carry out network trading, thus cause the inconvenience in use.
Summary of the invention
One object of the present invention is to be reached by the transaction authentication card of miniaturization to be directly placed on portable electronic devices inside, to be user-friendly to.
Another object of the present invention be transaction authentication card need through sensing physical property action to carry out certification, to improve the security of network trading.
Another object of the present invention is to provide a kind of remote transaction Verification System, carries out certification, to improve the security of network trading by the action sensing physical property.
In order to achieve the above object and other object, the invention provides a kind of transaction authentication card, the transaction authentication card controller comprising a substrate and be arranged on described substrate and a transaction authentication card standard link subgroup, also comprise an action sensor and an intelligent authentication module; Wherein, described action sensor is arranged on the substrate, and it responds a sensing instructions to carry out the sensing of motion state and to produce an acts of authentication value; Described intelligent authentication module installation on the substrate, and be connected with described transaction authentication card controller and action sensor, an acts of authentication condition is stored in intelligent authentication module, the request of intelligent authentication module responds one transaction authentication program and produce this sensing instructions, and the more described acts of authentication value of action sensor reception and the acts of authentication condition of interior storage, produce an action authentication successful instruction when conforming to compare for the interpretation of transaction authentication program.
In one embodiment of the invention, described action sensor is an acceleration transducer or a gyroscope.
In one embodiment of the invention, described transaction authentication card standard link subgroup meets the communications protocol of safe digital card (Secure Digital Memory Card, SD card).
In one embodiment of the invention, described transaction authentication card standard link subgroup meets the communications protocol of subscriber identity module (Subscriber Identity Module, SIM).
In one embodiment of the invention, described intelligent authentication module and transaction authentication card controller are integrated in a chip.
For achieving the above object and other objects, the invention provides a kind of remote transaction Verification System, by an identity key of user-specific and an acts of authentication condition with the identity of certification user, described remote transaction Verification System comprises a portable electronic devices and a transaction authentication card.Described portable electronic devices has a housing, and the slot be provided with in described housing for reading data, described portable electronic devices carries out a remote transaction by a network, and portable electronic devices responds the program of this remote transaction during remote transaction, and produces a certification instruction; And described transaction authentication card system is plugged in the slot of described portable electronic devices pluggablely, described transaction authentication card pre-stored identity key and this acts of authentication condition, described transaction authentication card responds this certification instruction and carries out the sensing of motion state, and producing an acts of authentication value according to this, described transaction authentication card compares the program producing an action authentication successful instruction confession remote transaction when acts of authentication value conforms to comparison with this acts of authentication condition and carries out interpretation.
In one embodiment of the invention, described transaction authentication card comprises an action sensor, is moved and value by the certification sensing described transaction authentication card.
In one embodiment of the invention, described action sensor is an acceleration transducer or a gyroscope.
In one embodiment of the invention, between the slot of described portable electronic devices and transaction authentication card, carry out communication with the communications protocol meeting safe digital card (Secure Digital Memory Card, SD card).
In one embodiment of the invention, to meet the communications protocol of subscriber identity module (Subscriber Identity Module, SIM) to carry out communication between the slot of described portable electronic devices and transaction authentication card.
Beneficial effect after employing technique scheme is: a kind of transaction authentication card, pass through the technical program, can be incorporated in memory card or SIM card, can the memory card or SIM card that possess transaction authentication card be directly plugged on portable electronic devices (such as mobile phone, flat computer) to allow user, user is allowed to use more convenient, and the action of the physical property of transaction authentication card is sensed by the action sensor in built-in memory card or SIM card, double acknowledge is done to user identity and electronic transaction content, to promote the security of network trading.
Accompanying drawing explanation
Fig. 1 is the first embodiment schematic diagram of transaction authentication card in the present invention.
Fig. 2 is the second embodiment schematic diagram of transaction authentication card in the present invention.
Fig. 3 is the schematic diagram of medium-long range transaction authentication system of the present invention.
In figure:
1,1 ' transaction authentication card;
100 substrates;
110 intelligent authentication modules;
120 transaction authentication card controllers;
122,122 ' transaction authentication card standard link subgroup;
130 memory modules;
140 action sensors;
150 chips;
2 portable electronic devices;
20 slots;
21 display screens.
Embodiment
For fully understanding object of the present invention, feature and effect, below in conjunction with accompanying drawing, specific embodiment in the present invention is described in further detail.
First, as shown in Figure 1, the transaction authentication card that the present invention relates to, generally speaking, to be a user apply for bank's end (such as China Construction Bank, the National Industrial and Commercial Bank of China etc.) or network payment platform dealer (such as Alipay) transaction authentication card, then held by bank or network payment platform dealer make in store the transaction authentication card of exclusive user's identity key.
Described transaction authentication card 1 has a substrate 100 and adds upper shell and become a card products, and the external form of transaction authentication card 1 can be various types of card products when thickness allows, and is with Micro SD card exemplarily in embodiments of the invention one.In an embodiment of the present invention, substrate 100 comprises intelligent authentication module 110, transaction authentication card controller 120, transaction authentication card standard link subgroup 122, memory modules 130 and action sensor 140.
In the present embodiment one, transaction authentication card standard link subgroup 122 is for meeting secure digital (Secure Digital Memory Card, SD) the standard link subgroup of card communications protocol, when in the Micro SD slot that transaction authentication card 1 is plugged in a portable electronic devices and portable electronic devices carry out communication use.Transaction authentication card controller 120 is memory card controllers, transaction authentication card controller 120 is connected with transaction authentication card standard link subgroup 122, perform identity authentication function in order to one of to send steering order according to portable electronic devices, or to perform in original memory card data access function by data access in memory modules 130.
Described intelligent authentication module 110 is connected with transaction authentication card controller 120.Store outside the identity key of exclusive user in intelligent authentication module 110, more comprise an acts of authentication condition, using as condition user identity and transaction content being done to double acknowledge, validation testing can be described in detail below.Action sensor 140 is connected with intelligent authentication module 110, the motion state being used to sense transaction authentication card 1 with respond intelligent authentication module 110 one of to send sensing instructions, and produce an acts of authentication value according to producing motion state.In embodiments of the invention one, action sensor 140 can be an acceleration transducer or a gyroscope.
As shown in Figure 2, in the transaction authentication card embodiment two that the present invention relates to, transaction authentication card 1 ' is compared to transaction authentication card 1 in the embodiment of the present invention one, realize a subscriber identity module (Subscriber Identity Module, SIM), transaction authentication card standard link subgroup 122 ' is then for meeting the standard link subgroup of subscriber identity module.In embodiments of the invention two, transaction authentication card controller 120 is a SIM card controller, and intelligent authentication module 110 and transaction authentication card controller 120 are integrated in one chip 150, utilize this kind of configuration mode to be conducive to promoting the space operation efficiency of circuit layout, chip 150 performs the function of identity authentication function or original SIM card in order to the steering order sent according to portable electronic devices.As in above-described embodiment one, intelligent authentication module 110 comprises acts of authentication condition, and using as condition user identity and transaction content being done to double acknowledge, validation testing can be described in detail hereinafter.Action sensor 140 is connected with intelligent authentication module 110, the motion state being used to sense transaction authentication card 1 with respond intelligent authentication module 110 one of to send sensing instructions, and produce an acts of authentication value according to producing motion state.
As shown in Figure 3, the remote transaction Verification System that the present invention relates to, described remote transaction Verification System comprises a portable electronic devices 2 and transaction authentication card 1, in the present embodiment, portable electronic devices 2 is mobile phones, and transaction authentication card 1 is Micro SD card form is plugged in a slot 20 of portable electronic devices 2.When user apply portable electronic devices 2 carry out network trading time, during portable electronic devices carries out remote transaction, remote transaction main frame can first confirm transaction authentication card 1 preload identity key and whether be consistent with the identity (pre-stored is in this remote transaction main frame) of the account logined in transaction, complete the authentication program of first stage when identity key is consistent with logined account; And when user is before paying the bill, portable electronic devices 2 can produce a certification instruction in transaction certification card 1, the motion state sensing transaction authentication card 1 self is started with the action sensor 140 triggering transaction authentication card 1, action sensor 140 produces acts of authentication value according to motion state, again through intelligent authentication module 110 by acts of authentication value compared with acts of authentication condition, and produce the successful instruction of action authentication when comparison is consistent, be the authentication program of subordinate phase.It should be noted that, acts of authentication condition can be rocks merely portable electronic devices 2 and causes transaction authentication card 1 and then to rock with interlock transaction authentication card 1, can also be ad hoc fashion shake portable electronic devices 2, such as hand-held portable electronic devices 2 causes transaction authentication card 1 and then with ' 8 ' word pattern motions in marking one ' 8 ' word pattern in the air.
Within a schedule time, transaction authentication card is rocked as acts of authentication condition in the present embodiment, when user uses portable electronic devices 2 to carry out Internet bank's remittance, when transaction program proceeds to before by fund derivation, portable electronic devices 2 can demonstrate the account of this remittance on a display screen 21, the information such as the amount of money, and the message that reminding user completes acts of authentication condition can be demonstrated, such as, when display screen 21 demonstrates during the message of ' please to complete in 2 seconds acts of authentication to confirm remit money ', user will shake mobile phone 2 in 2 seconds after message occurs and cause transaction authentication card 1 and then to rock with interlock transaction authentication card 1 to reach acts of authentication condition, and then after meeting acts of authentication condition, portable electronic devices 2 can complete money transfer procedures, when not meeting acts of authentication condition, portable electronic devices 2 will stop/suspend remittance and cannot complete transaction program.On the other hand, when directly carrying out network trading when portable electronic devices 2 non-grafting transaction security card 1, transaction program will cannot be carried out because portable electronic devices 2 cannot obtain identity key, even if or portable electronic devices 2 be plugged with transaction security card 1 and user does not make correct acts of authentication time also can abort transactoin program, under the running that so two kind ensures, portable electronic devices 2 once user is lost when being plugged with transaction security card 1, can be provided by the checking of acts of authentication condition and further ensure, and then utilize double acknowledge mechanism to reach the effect promoting network transaction safety.
The transaction authentication card that the present invention relates to and remote transaction Verification System, (1). miniaturization is convenient for carrying, by digital authenticating vector integration in memory card or SIM card, user is allowed directly to be plugged in portable electronic devices, avoid digital authenticating carrier additionally in portable electronic devices, when leaving behind digital authenticating carrier and just cannot carry out the awkward situation of network trading; (2). double authentication, except utilizing the identity key of digital authenticating carrier hardware encipher to do the remote authentication of user's identity, also acts of authentication condition can be utilized as the second re-authentication of near-end, reaffirm user identity and electronic transaction content, to reach the effect promoting safety of network trade.
The above, be only better possible embodiments of the present invention, and be not used to limit scope of the present invention.
Claims (10)
1. a transaction authentication card, comprises a substrate and the transaction authentication card controller that is arranged on described substrate and a transaction authentication card standard link subgroup, it is characterized in that, comprising:
One action sensor, described action sensor is arranged on the substrate, and it responds a sensing instructions to carry out the sensing of motion state and to produce an acts of authentication value; And
One intelligent authentication module, described intelligent authentication block is arranged on the substrate, and be connected with described transaction authentication card controller and action sensor, an acts of authentication condition is stored in intelligent authentication module, the request of intelligent authentication module responds one transaction authentication program and produce this sensing instructions, and the more described acts of authentication value of action sensor reception and the acts of authentication condition of interior storage, produce an action authentication successful instruction when conforming to compare for the interpretation of transaction authentication program.
2. transaction authentication card according to claim 1, is characterized in that, described action sensor is an acceleration transducer or a gyroscope.
3. transaction authentication card according to claim 1 and 2, is characterized in that, described transaction authentication card standard link subgroup meets the communications protocol of safe digital card (Secure Digital Memory Card, SD card).
4. transaction authentication card according to claim 1 and 2, is characterized in that, described transaction authentication card standard link subgroup meets the communications protocol of subscriber identity module (Subscriber Identity Module, SIM).
5. transaction authentication card according to claim 1, is characterized in that, described intelligent authentication module and transaction authentication card controller are integrated in a chip.
6. a remote transaction Verification System, is characterized in that, by an identity key of user-specific and an acts of authentication condition with the identity of certification user, described remote transaction Verification System comprises:
One portable electronic devices, portable electronic devices has a housing, and the slot be provided with in described housing for reading data, described portable electronic devices carries out a remote transaction by a network, portable electronic devices responds the program of this remote transaction during remote transaction, and produces a certification instruction; And
One transaction authentication card, transaction authentication card is plugged in the slot of described portable electronic devices pluggablely, described transaction authentication card pre-stored identity key and acts of authentication condition, described transaction authentication card responds this certification instruction and carries out the sensing of motion state, and producing an acts of authentication value according to this, described transaction authentication card compares the program producing an action authentication successful instruction confession remote transaction when acts of authentication value conforms to comparison with acts of authentication condition and carries out interpretation.
7. remote transaction Verification System according to claim 6, is characterized in that, described transaction authentication card comprises an action sensor, by sensing the acts of authentication value of described transaction authentication card.
8. remote transaction Verification System according to claim 7, is characterized in that, described action sensor is an acceleration transducer or a gyroscope.
9. remote transaction Verification System according to claim 6, it is characterized in that, communication is carried out with the communications protocol meeting safe digital card (Secure Digital Memory Card, SD card) between the slot of described portable electronic devices and transaction authentication card.
10. remote transaction Verification System according to claim 6, it is characterized in that, to meet the communications protocol of subscriber identity module (Subscriber Identity Module, SIM) to carry out communication between the slot of described portable electronic devices and transaction authentication card.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW103129491A TW201608498A (en) | 2014-08-27 | 2014-08-27 | Trade certification card and remote trade certification system thereof |
| TW103129491 | 2014-08-27 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104599128A true CN104599128A (en) | 2015-05-06 |
Family
ID=53124885
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201520055982.4U Expired - Fee Related CN204463212U (en) | 2014-08-27 | 2015-01-27 | Transaction authentication card and remote transaction authentication system thereof |
| CN201510040372.1A Pending CN104599128A (en) | 2014-08-27 | 2015-01-27 | transaction authentication card |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201520055982.4U Expired - Fee Related CN204463212U (en) | 2014-08-27 | 2015-01-27 | Transaction authentication card and remote transaction authentication system thereof |
Country Status (2)
| Country | Link |
|---|---|
| CN (2) | CN204463212U (en) |
| TW (1) | TW201608498A (en) |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106557681A (en) * | 2015-09-24 | 2017-04-05 | 国民技术股份有限公司 | A kind of safety intelligent card and its using method |
| CN106228058A (en) * | 2016-07-28 | 2016-12-14 | 努比亚技术有限公司 | A kind of information processing method and equipment |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWM378583U (en) * | 2009-07-13 | 2010-04-11 | Phytrex Technology Corp | Electric wallet device for using in mobile phone |
| US20120246079A1 (en) * | 2011-03-24 | 2012-09-27 | Dave William Wilson | Authentication using application authentication element |
| EP2506201A1 (en) * | 2011-03-29 | 2012-10-03 | Research In Motion Limited | Mobile wireless communications device configured to authorize transaction based upon movement sensor and associated methods |
| US20120260311A1 (en) * | 2011-04-06 | 2012-10-11 | Kt Corporation | Method, mobile terminal and system for providing different authentication values according to contact method of mobile terminal |
| CN102831466A (en) * | 2012-07-27 | 2012-12-19 | 上海方付通商务服务有限公司 | Cell phone bank card |
-
2014
- 2014-08-27 TW TW103129491A patent/TW201608498A/en unknown
-
2015
- 2015-01-27 CN CN201520055982.4U patent/CN204463212U/en not_active Expired - Fee Related
- 2015-01-27 CN CN201510040372.1A patent/CN104599128A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWM378583U (en) * | 2009-07-13 | 2010-04-11 | Phytrex Technology Corp | Electric wallet device for using in mobile phone |
| US20120246079A1 (en) * | 2011-03-24 | 2012-09-27 | Dave William Wilson | Authentication using application authentication element |
| EP2506201A1 (en) * | 2011-03-29 | 2012-10-03 | Research In Motion Limited | Mobile wireless communications device configured to authorize transaction based upon movement sensor and associated methods |
| US20120260311A1 (en) * | 2011-04-06 | 2012-10-11 | Kt Corporation | Method, mobile terminal and system for providing different authentication values according to contact method of mobile terminal |
| CN102831466A (en) * | 2012-07-27 | 2012-12-19 | 上海方付通商务服务有限公司 | Cell phone bank card |
Also Published As
| Publication number | Publication date |
|---|---|
| CN204463212U (en) | 2015-07-08 |
| TW201608498A (en) | 2016-03-01 |
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Application publication date: 20150506 |
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