CN104933461A - Financial IC card with visual Key function, trading system and trading method - Google Patents
Financial IC card with visual Key function, trading system and trading method Download PDFInfo
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- CN104933461A CN104933461A CN201510336690.2A CN201510336690A CN104933461A CN 104933461 A CN104933461 A CN 104933461A CN 201510336690 A CN201510336690 A CN 201510336690A CN 104933461 A CN104933461 A CN 104933461A
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Abstract
The invention discloses a financial IC (Integrated Circuit) card with a visual Key function, a trading system and a trading method, and relates to the technical field of financial IC cards. The financial IC card comprises a card body, wherein an input module, a display module, a data transmission module and a security module are arranged in the card body; the input module is used for receiving relevant information input by a user, activating the display module and the security module and opening/closing the Key function; the data transmission module is used for building a physical transmission channel with peripheral online trading equipment, receiving trading key information sent by the online trading equipment and sending a signature operation result and an identity recognition code to the online trading equipment; the display module is used for receiving relevant information forwarded by the data transmission module and showing the relevant information to the user for checking; and the security module is used for carrying out signature operation of the trading key information. The interface mode is expanded, and the wide popularization is facilitated; and the problem of carrying inconvenience by a user due to USB (Universal Serial Bus) Key equipment configuration of the conventional equipment is solved.
Description
Technical field
The present invention relates to financial IC card technical field, is specifically a kind of financial IC card, transaction system and method for commerce with visual Key function.
Background technology
Along with a large amount of universal and use of financial IC card, user wishes that financial IC card also has other functions more except the off-line transaction function of routine.
Increasing user completes financial transaction by Web bank and Mobile banking at present.Web bank and Mobile banking, while bringing convenience to user, also subject a lot of security risk.At present for the security threat of online trading, bank is by distribution USB Key, or there is the enhancement mode USB Key that visual and user confirms function, for guaranteeing the confidentiality of online transaction, authenticity, integrality and non-repudiation, hacker can also be resisted and utilize rogue program to carry out long-range seizing on both sides by the arms and many threats such as data tampering to the transaction of user.
But, because USB Key is a kind of hardware device with USB interface, the PC being only applicable to have USB interface at present holds and carries out online trading, Key function cannot be realized on the mobile terminal lacking USB interface, be unfavorable for extensive popularization, the equipment form of USB Key also causes user to carry inconvenience in addition.
Summary of the invention
For the defect existed in prior art, the object of the present invention is to provide a kind of financial IC card, transaction system and the method for commerce with visual Key function, the present invention extends interface mode, make this financial IC card can be applicable to different online trading equipment (comprising the equipment lacking USB interface) to realize Key function, be beneficial to extensive popularization; The user that the USB Key equipment form solving legacy equipment causes carries inconvenient problem.
For reaching above object, the technical scheme that the present invention takes is: a kind of financial IC card with visual Key function, comprise card, load module, display module, data transmission module and security module is provided with in described card, wherein load module, for receiving the relevant information of user's input, activate display module and security module, On/Off Key function; Data transmission module, for setting up physical transmission channel with the online trading equipment of peripheral hardware, receiving the transaction key message that online trading equipment sends, sending signature operation result and identity code to online trading equipment; Display module, for receiving the relevant information that data transmission module forwards, and shows user to check; Security module, for carrying out the signature computing of transaction key message.
On the basis of technique scheme, be also provided with power module in described card, described power module is used for providing power supply for load module, display module, data transmission module and security module.
On the basis of technique scheme, described power module is flexible battery.
On the basis of technique scheme, described physical transmission channel adopts wireless transmission method, comprises wireless audio frequency transmission function and wireless blue tooth transmission.
On the basis of technique scheme, described transaction key message comprises trading account, dealing money and trade date.
On the basis of technique scheme, described display module is flexible liquid crystal screen or Electronic Paper.
On the basis of technique scheme, described load module comprises physical button and biology sensor.
On the basis of technique scheme, described security module is IC-card safety chip.
The invention also discloses a kind of transaction system based on above-mentioned financial IC card, comprise online trading equipment and financial IC card, and foundation has physical transmission channel between online trading equipment and financial IC card, wherein online trading equipment is used for sending transaction key message to financial IC card, and receives signature operation result and identity code that financial IC card returns; Financial IC card is used for the transaction key message of reception to show user to check, and carries out signature computing, then the identity code of signature operation result and user's input is sent to online trading equipment.
The invention also discloses a kind of method of commerce based on above-mentioned transaction system, comprise the following steps: the load module of step S1. financial IC card receives the activation instruction of user's input, activate display module, thus open Key function; Physical transmission channel is set up between step S2. online trading equipment and the data transmission module of financial IC card; Step S3. online trading equipment sends transaction key message by described physical transmission channel to data transmission module; Step S4. display module receives the transaction key message that data transmission module forwards, and shows user to check; Step S5. load module receives the identity code of the online trading of user's input and the confirmation of transaction key message, and activate the signature computing that security module carries out transaction key message, then signature operation result and identity code are sent to data transmission module; Step S6. data transmission module sends signature operation result and identity code by described physical transmission channel to online trading equipment.
Beneficial effect of the present invention is:
1, the present invention by arranging load module, display module, data transmission module and security module in financial IC card, online trading equipment can directly be communicated with financial IC card by data transmission module, therefore interface mode is extended, make this financial IC card can be applicable to different online trading equipment (comprising the equipment lacking USB interface) to realize Key function, be beneficial to extensive popularization.
2, load module, display module, data transmission module and security module are integrated into realize Key function in the financial IC card of user side's Portable belt by the present invention, and the user that the USB Key equipment form solving legacy equipment causes carries inconvenient problem.
3, the present invention is by arranging display module, whether user is distorted by the wooden horse that may exist in online trading equipment by display validation of information transaction key message, ensure that the raw data of generation transaction voucher and user see in display module consistent, resisted hacker and utilized the transaction data of rogue program to user to distort threat.
4, the present invention is by arranging security module, and the signature key in security module is write by publisher when financial IC card is issued, and can guarantee that this signature key can be obtained by outside in no instance.Simultaneously security module also retains the function of traditional financial IC-card, can complete near field payment transaction process under traditional line, ensure that the confidentiality of transaction, authenticity, integrality and non-repudiation.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of the financial IC card in the embodiment of the present invention with visual Key function;
Fig. 2 is the structured flowchart of transaction system in the embodiment of the present invention;
Fig. 3 is the process flow diagram of method of commerce in the embodiment of the present invention.
Reference numeral:
1-security module; 2-load module; 3-display module; 4-data transmission module; 5-power module.
Embodiment
Below in conjunction with drawings and Examples, the present invention is described in further detail.
Shown in Figure 1, embodiments provide a kind of financial IC card with visual Key function, comprise card, in described card, be provided with load module 2, display module 3, data transmission module 4, security module 1 and power module 5.Security module 1, load module 2, display module 3 are connected successively with data transmission module 4, data transmission module 4 is also connected with load module 2 with security module 1 respectively, and power module 5 is connected with security module 1 with load module 2, display module 3, data transmission module 4 respectively.
Wherein, load module 2, for receiving the relevant information of user's input; Activate display module 3 and security module 1; On/Off Key function; Concrete, described load module 2 comprises physical button and biology sensor, inputs relevant information for user.
Data transmission module 4, for setting up physical transmission channel with the online trading equipment of peripheral hardware, described physical transmission channel adopts wireless transmission method, comprises wireless audio frequency transmission function and wireless blue tooth transmission.Receive the transaction key message that online trading equipment sends; Signature operation result and identity code (such as PIN code, fingerprint etc.) is sent to online trading equipment; Can resist hacker utilizes rogue program can carry out long-range seizing on both sides by the arms to the transaction of user.
Display module 3, for receiving the relevant information that data transmission module 4 forwards, and shows user to check; Concrete, described display module 3 is flexible liquid crystal screen or Electronic Paper.Whether user is distorted by the wooden horse that may exist in online trading equipment by display validation of information transaction key message, ensure that the raw data of generation transaction voucher and user see in display module 3 consistent, resist hacker and utilize the transaction data of rogue program to user to distort threat.
Security module 1, for carrying out the signature computing of transaction key message.Concrete, described security module 1 is IC-card safety chip; Transaction key message comprises trading account, dealing money and trade date; The algorithm of signature computing adopts disclosed asymmetric arithmetic, comprises RSA cryptographic algorithms, ECC (Elliptic Curves Cryptography, elliptic curve encryption algorithm) etc.Signature key is write by publisher when financial IC card is issued, and security module 1 guarantees that this signature key can be obtained by outside in no instance.Simultaneously security module 1 also retains the function of traditional financial IC-card, can complete near field payment transaction process under traditional line, ensure that the confidentiality of transaction, authenticity, integrality and non-repudiation.
Power module 5 is for providing power supply for load module 2, display module 3, data transmission module 4 and security module 1.Concrete, described power module 5 is flexible battery.
Shown in Figure 2, the embodiment of the present invention additionally provides a kind of transaction system based on above-mentioned financial IC card, comprise online trading equipment and financial IC card, and foundation has physical transmission channel between online trading equipment and financial IC card, wherein, online trading equipment is used for sending transaction key message to financial IC card, and receives signature operation result and identity code that financial IC card returns; Financial IC card is used for the transaction key message of reception to show user to check, and carries out signature computing, then the identity code of signature operation result and user's input is sent to online trading equipment.Concrete, described online trading equipment comprises mobile phone, PC etc.
Shown in Figure 3, the embodiment of the present invention additionally provides a kind of method of commerce based on above-mentioned transaction system, comprises the following steps:
The load module 2 of step S1. financial IC card receives the activation instruction of user's input, and activation instruction is inputted by user by physical button or biology sensor, activates display module 3, thus opens Key function.
Physical transmission channel is set up between the data transmission module 4 of step S2. online trading equipment and financial IC card.
Step S3. online trading equipment sends transaction key message by described physical transmission channel to data transmission module 4, comprises trading account, dealing money and trade date.
Step S4. display module 3 receives the transaction key message that data transmission module 4 forwards, and shows user to check.
Step S5. load module 2 receives identity code (the such as PIN code of the online trading of user's input, fingerprint etc.) and transaction key message confirmation, and activate the signature computing that security module 1 carries out transaction key message, then signature operation result and identity code are sent to data transmission module 4.
Step S6. data transmission module 4 sends signature operation result and identity code by described physical transmission channel to online trading equipment.
The present invention is not limited to above-mentioned embodiment, and for those skilled in the art, under the premise without departing from the principles of the invention, can also make some improvements and modifications, these improvements and modifications are also considered as within protection scope of the present invention.The content be not described in detail in this instructions belongs to the known prior art of professional and technical personnel in the field.
Claims (10)
1. one kind has the financial IC card of visual Key function, comprise card, it is characterized in that: be provided with load module (2), display module (3), data transmission module (4) and security module (1) in described card, wherein
Load module (2), for receiving the relevant information of user's input, activates display module (3) and security module (1), On/Off Key function;
Data transmission module (4), for setting up physical transmission channel with the online trading equipment of peripheral hardware, receiving the transaction key message that online trading equipment sends, sending signature operation result and identity code to online trading equipment;
Display module (3), for receiving the relevant information that data transmission module (4) forwards, and shows user to check;
Security module (1), for carrying out the signature computing of transaction key message.
2. there is the financial IC card of visual Key function as claimed in claim 1, it is characterized in that: be also provided with power module (5) in described card, described power module (5) is for providing power supply for load module (2), display module (3), data transmission module (4) and security module (1).
3. there is the financial IC card of visual Key function as claimed in claim 2, it is characterized in that: described power module (5) is flexible battery.
4. there is the financial IC card of visual Key function as claimed in claim 1, it is characterized in that: described physical transmission channel adopts wireless transmission method, comprise wireless audio frequency transmission function and wireless blue tooth transmission.
5. there is the financial IC card of visual Key function as claimed in claim 1, it is characterized in that: described transaction key message comprises trading account, dealing money and trade date.
6. there is the financial IC card of visual Key function as claimed in claim 1, it is characterized in that: described display module (3) is flexible liquid crystal screen or Electronic Paper.
7. there is the financial IC card of visual Key function as claimed in claim 1, it is characterized in that: described load module (2) comprises physical button and biology sensor.
8. there is the financial IC card of visual Key function as claimed in claim 1, it is characterized in that: described security module (1) is IC-card safety chip.
9. based on the transaction system of financial IC card described in any one of claim 1-8, it is characterized in that: comprise online trading equipment and financial IC card, and between online trading equipment and financial IC card, foundation has physical transmission channel, wherein
Online trading equipment is used for sending transaction key message to financial IC card, and receives signature operation result and identity code that financial IC card returns;
Financial IC card is used for the transaction key message of reception to show user to check, and carries out signature computing, then the identity code of signature operation result and user's input is sent to online trading equipment.
10. based on the method for commerce of transaction system described in claim 9, it is characterized in that, comprise the following steps:
The load module (2) of step S1. financial IC card receives the activation instruction of user's input, activates display module (3), thus opens Key function;
Physical transmission channel is set up between the data transmission module (4) of step S2. online trading equipment and financial IC card;
Step S3. online trading equipment sends transaction key message by described physical transmission channel to data transmission module (4);
Step S4. display module (3) receives the transaction key message that data transmission module (4) forwards, and shows user to check;
Step S5. load module (2) receives the identity code of the online trading of user's input and the confirmation of transaction key message, and activate the signature computing that security module (1) carries out transaction key message, then signature operation result and identity code are sent to data transmission module (4);
Step S6. data transmission module (4) sends signature operation result and identity code by described physical transmission channel to online trading equipment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510336690.2A CN104933461A (en) | 2015-06-17 | 2015-06-17 | Financial IC card with visual Key function, trading system and trading method |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510336690.2A CN104933461A (en) | 2015-06-17 | 2015-06-17 | Financial IC card with visual Key function, trading system and trading method |
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| CN104933461A true CN104933461A (en) | 2015-09-23 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN201510336690.2A Pending CN104933461A (en) | 2015-06-17 | 2015-06-17 | Financial IC card with visual Key function, trading system and trading method |
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| CN106529925A (en) * | 2016-10-27 | 2017-03-22 | 飞天诚信科技股份有限公司 | Bluetooth visual card and method of realizing electronic cash transactions |
| WO2020063796A1 (en) * | 2018-09-28 | 2020-04-02 | 新明华区块链技术（深圳）有限公司 | Method, apparatus and system for implementing remote signing by controlling security chip |
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Application publication date: 20150923 |
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| RJ01 | Rejection of invention patent application after publication |