CN105117634A - Financial chip card and right control method based on same - Google Patents
Financial chip card and right control method based on same Download PDFInfo
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- CN105117634A CN105117634A CN201510582428.6A CN201510582428A CN105117634A CN 105117634 A CN105117634 A CN 105117634A CN 201510582428 A CN201510582428 A CN 201510582428A CN 105117634 A CN105117634 A CN 105117634A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
- G06F21/35—User authentication involving the use of external additional devices, e.g. dongles or smart cards communicating wirelessly
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3574—Multiple applications on card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F2221/2141—Access rights, e.g. capability lists, access control lists, access tables, access matrices
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- Credit Cards Or The Like (AREA)
Abstract
The invention discloses a financial chip card and a right control method based on the same. The financial chip card comprises a fingerprint recognition module, a CPU module, a storage module and an output module which are packaged in a card body. The fingerprint recognition module is used for collecting fingerprint information of an operator and transmitting the fingerprint information to the CPU module. The CPU module is used for matching, discriminating and reading the collected fingerprint information and pre-stored fingerprint information and sending a discriminating and reading result to the output module. The output module is used for transmitting the discriminating and reading result to a receiver corresponding to the output module to enable different terminal devices with the receiver to give the financial chip card different access rights, and the fingerprint information and matching information for being matched with the different terminal devices with the receiver are pre-stored in the storage module. The problems that in the prior art, due to the fact that a large number of chip cards are usually carried, space is occupied, and disorder is likely to occur are solved, and the use convenience of the financial chip card is improved.
Description
Technical field
The present invention relates to chip card technical field, be specifically related to a kind of financial chip card and the authority control method based on financial chip card.
Background technology
Chip card (IntegratedCircuitCard, integrated circuit card), also claim smart card (Smartcard), smart card (Intelligentcard), microcircuit card (Microcircuitcard) or chip card etc.It is embedded by a microelectronic chip to meet in the card base of standard (such as ISO7816 standard), makes card form.Chip card due to its intrinsic information security, be easy to carry, the advantage such as fairly perfect standardization, just more and more applied in fields such as authentication, bank, telecommunications, public transport, parking lot management.
Along with chip card is more and more universal, correspondingly, the value volume and range of product of everyone card also can be many.Particularly some important chip cards, as bank card, access card etc., due to the high-frequency use of needs, have to carry with at any time, while taking up room, also easily cause the confusion in use.
For the problems referred to above in correlation technique, at present solution effectively is not yet proposed.
Summary of the invention
In view of this, the embodiment of the present invention provides a kind of financial chip card and the authority control method based on financial chip card, needs often to carry that a large amount of chip card causes takes up room and easily chaotic problem to solve in prior art.
Other characteristics of the present disclosure and advantage become obvious by by detailed description below, or the acquistion partially by practice of the present disclosure.
According to an aspect of the present invention, provide a kind of financial chip card, comprise the fingerprint identification module be encapsulated in card, central processor CPU module, memory module and output module, wherein, fingerprint identification module, for acquisition operations person finger print information and be sent to CPU module; CPU module is used for the finger print information of collection to carry out mating interpretation with the finger print information of pre-stored, and sentence read result is sent to output module; Output module is used for sentence read result to be sent to the receiver corresponding with output module, give financial chip card respectively to make the different terminal device comprising receiver and possess different access rights, wherein, memory module is pre-stored with finger print information and the match information for matching from the different terminal device comprising receiver.
In an optional embodiment, output module is close range wireless communication module, for sentence read result being exported by the short distance wireless communication technology, finance chip card also comprises the power management module be encapsulated in card, for starting fingerprint identification module, close range wireless communication module and CPU module and powering.
In an optional embodiment, the different terminal device comprising close range wireless communication module receiver comprises access control terminal equipment, match information comprises the first match information, for mating with access control terminal equipment, wherein: when sentence read result is the first result, financial chip card is given by access control terminal equipment and is possessed the first access rights; When sentence read result is the second result, financial chip card is given by access control terminal equipment possesses the second access rights.
In an optional embodiment, the different terminal device comprising close range wireless communication module receiver comprises financial terminal equipment, match information comprises the second match information, for mating with financial terminal equipment, wherein: when sentence read result is the first result, financial chip card is given by financial terminal equipment and is possessed the 3rd access rights; When sentence read result is the second result, financial chip card is given by financial terminal equipment possesses the 4th access rights.
In an optional embodiment, the first access rights are the limited field allowing access access control terminal equipment, and the second access rights are the limited field of disable access access control terminal equipment.
In an optional embodiment, 3rd access rights for allow access financial terminal equipment in the corresponding financial service of financial chip card internal information, the 4th access rights be permission financial terminal equipment in general financial service or disable access financial terminal equipment.
In an optional embodiment, power management module is radio frequency induction power supply, for starting fingerprint identification module, close range wireless communication module and CPU module after response induced signal and powering.
In an optional embodiment, fingerprint identification module comprises a fingerprint recognition chip.
In an optional embodiment, close range wireless communication module is near-field communication NFC module, bluetooth module, radio-frequency (RF) identification FRID module or Wireless Fidelity WIFI module.
In an optional embodiment, be connected by Serial Peripheral Interface (SPI) between fingerprint identification module with CPU, and/or be connected by Serial Peripheral Interface (SPI) between CPU with NFC module.
In an optional embodiment, finance chip card also comprises rectification/feedback AFE module, AFE module is used for by antenna received RF signal, radio frequency signal carries out input power administration module after rectification, and for receiving the sentence read result that close range wireless communication module sends, sentence read result being tuned as radiofrequency signal and being sent to the receiver corresponding with close range wireless communication module.
In an optional embodiment, memory module comprises erasable programmable read-only register EPROM, and EPROM is connected with CPU module and close range wireless communication module, for depositing program code and finger print information is accessed for CPU module.
According to another aspect of the present invention, provide a kind of authority control method based on financial chip card, comprising: the central processor CPU module on financial chip card body receives the finger print information of user from the fingerprint identification module financial chip card body; Received finger print information carries out mating interpretation with the finger print information of the memory module pre-stored on financial chip card body by CPU module; Sentence read result is exported to output module on financial chip card body to send by CPU module, wherein, export and sentence read result is sent to the receiver corresponding with close range wireless communication module, give chip card respectively to make the different terminal device comprising receiver and possess different access rights.
In an optional embodiment, output module is close range wireless communication module, for sentence read result being exported by the short distance wireless communication technology, finance chip card also comprises the power management module be encapsulated in card, for starting fingerprint identification module, close range wireless communication module and CPU module and powering.
In an optional embodiment, the different terminal device comprising close range wireless communication module receiver comprises: access control terminal equipment, when sentence read result is the first result, gives financial chip card first access rights; When sentence read result is the second result, give financial chip card second access rights; Financial terminal equipment, when sentence read result is the first result, gives financial chip card the 3rd access rights; When sentence read result is the second result, give financial chip card the 4th access rights.
According to a further aspect of the invention, provide a kind of authority control method based on financial chip card, comprising: the fingerprint interpretation information that the output module that access control terminal equipment receives corresponding financial chip card by receiver sends; If fingerprint interpretation information shows that the finger print information of financial chip card collection mates with the finger print information prestored, give financial chip card and possess the first authority; If fingerprint interpretation information shows that the finger print information of financial chip card collection does not mate with the finger print information prestored, give financial chip card and possess the second authority, and/or, send warning.
According to a further aspect of the invention, provide a kind of authority control method based on financial chip card, comprising: the fingerprint interpretation information that the output module that financial terminal equipment receives financial chip card by receiver sends; If fingerprint interpretation information shows that the finger print information of financial chip card collection mates with the finger print information prestored, then carry out Private Banking's webpage and log in action, do not need to key in username and password, if interpretation information shows that the finger print information of financial chip card collection does not mate with the finger print information prestored, then cannot enter Private Banking's webpage, produce warning message and/or report to the police to banking system.
In the present invention, provide a kind of financial chip card, comprise the power management module be encapsulated in card, fingerprint identification module, central processor CPU module, close range wireless communication module.Central processor CPU module on finance chip card body receives the finger print information of user from the fingerprint identification module financial chip card body, carry out unique point interpretation, and sentence read result is sent to the different terminal device comprising close range wireless communication module receiver, different terminal devices is given financial chip card respectively and is possessed different access rights, use financial chip card can be realized, control the authority of multifunctional equipment (as access control equipment), efficiently solving in prior art needs often to carry that a large amount of chip card causes takes up room and easily chaotic problem, improve the convenience that financial chip card uses.
Accompanying drawing explanation
In order to be illustrated more clearly in the technical scheme in the embodiment of the present invention, below the accompanying drawing used required in describing the embodiment of the present invention is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite not paying creative work, other accompanying drawing can also be obtained according to the content of the embodiment of the present invention and these accompanying drawings.
Fig. 1 is the structured flowchart of the financial chip card of the specific embodiment of the invention one;
Fig. 2 is the structural representation of the financial chip card of the specific embodiment of the invention one;
Fig. 3 is the structured flowchart of the financial chip card of the specific embodiment of the invention two;
Fig. 4 is the workflow schematic diagram of the financial chip card of the specific embodiment of the invention two;
Fig. 5 is the authority control method process flow diagram based on financial chip card of the specific embodiment of the invention three;
Fig. 6 is the authority control method process flow diagram based on financial chip card of the specific embodiment of the invention three; And
Fig. 7 is the authority control method process flow diagram based on financial chip card of the specific embodiment of the invention three.
Embodiment
The technical matters solved for making the present invention, the technical scheme of employing and the technique effect that reaches are clearly, be described in further detail below in conjunction with the technical scheme of accompanying drawing to 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 skilled in the art, not making the every other embodiment obtained under creative work prerequisite, belong to the scope of protection of the invention.
Technical scheme of the present invention is further illustrated by embodiment below in conjunction with accompanying drawing.
Embodiment one
Embodiments of the invention one provide a kind of financial chip card, comprise the fingerprint identification module be encapsulated in card, central processor CPU module, memory module and output module, wherein, fingerprint identification module, for acquisition operations person finger print information and be sent to CPU module; CPU module is used for the finger print information of collection to carry out mating interpretation with the finger print information of pre-stored, and sentence read result is sent to output module; Output module is used for sentence read result to be sent to the receiver corresponding with output module, give financial chip card respectively to make the different terminal device comprising receiver and possess different access rights, wherein, memory module is pre-stored with finger print information and the match information for matching from the different terminal device comprising receiver.Preferably, output module is close range wireless communication module, for sentence read result being exported by the short distance wireless communication technology, finance chip card also comprises the power management module be encapsulated in card, for starting fingerprint identification module, close range wireless communication module and CPU module and powering.
Specifically, Fig. 1 illustrates the structured flowchart of the financial chip card of the embodiment of the present invention one, and as shown in Figure 1, the financial chip card of the present embodiment comprises:
Be encapsulated in the power management module 110 in card, fingerprint identification module 120, central processor CPU module 130, close range wireless communication module 140;
Preferably, power management module 110 is radio frequency induction power supply, for starting fingerprint identification module 120, close range wireless communication module 140 and CPU module 130 and power after induction;
Fingerprint identification module 120, for acquisition operations person finger print information and be sent to CPU module 130;
CPU module 130 is for carrying out unique point interpretation to finger print information and sentence read result being reached close range wireless communication module 140;
Close range wireless communication module 140, for sentence read result is sent to the receiver corresponding with this close range wireless communication module, is given financial chip card respectively to make the different terminal device comprising this receiver and is possessed different access rights.
In an optional embodiment, the different terminal device comprising close range wireless communication module receiver comprises access control terminal equipment, above-mentioned match information comprises the first match information, for mating with access control terminal equipment, wherein, when sentence read result is the first result, financial chip card is given by access control terminal equipment possesses the first access rights; When sentence read result is the second result, financial chip card is given by access control terminal equipment possesses the second access rights.
Preferably, the first access rights are the limited field allowing access access control terminal equipment, and the second access rights are the limited field of disable access access control terminal equipment.Specifically, when sentence read result is the first result, such as, the first result instruction CPU module to finger print information and the user fingerprints information that prestores carry out unique point comparison result match time, allow to use this financial chip card to open access control terminal equipment; When sentence read result is the second result, such as, second result instruction CPU module to finger print information and the user fingerprints information prestored carry out unique point comparison result do not mate time, do not allow to use this financial chip card to open access control terminal equipment, preferably, finger print information and the user fingerprints information prestored carry out unique point comparison result do not mate time, access control terminal equipment can give the alarm.
In an optional embodiment, the different terminal device comprising close range wireless communication module receiver also comprises financial terminal equipment, above-mentioned match information comprises the second match information, for mating with financial terminal equipment, wherein: when sentence read result is the first result, financial chip card is given by financial terminal equipment and is possessed the 3rd access rights; When sentence read result is the second result, financial chip card is given by financial terminal equipment possesses the 4th access rights.
Preferably, the 3rd access rights for allow access financial terminal equipment in the corresponding financial service of financial chip card internal information, the 4th access rights be permission financial terminal equipment in general financial service or disable access financial terminal equipment.Specifically, when sentence read result is the first result, such as, first result instruction CPU module to finger print information and the user fingerprints information that prestores carry out unique point comparison result match time, financial terminal equipment allows financial chip card to access user operation corresponding to user profile in this financial chip card, such as, the Private Banking's webpage carrying out the user profile in this financial chip card logs in action, does not need to key in username and password; When sentence read result is the second result, such as, second result instruction CPU module to finger print information and the user fingerprints information that prestores carry out unique point comparison result do not match time, then cannot enter Private Banking's webpage, in addition, preferably, financial terminal equipment can produce warning message at corresponding display interface, and/or reports to the police to banking system.
Fig. 2 is the structural representation of the financial chip card 200 of the embodiment of the present invention one, as shown in Figure 2, the fingerprint identification module of the present embodiment comprises a fingerprint recognition chip 212, and fingerprint recognition chip 212 for the finger print information of acquisition operations person, and is sent to CPU module and carries out unique point interpretation.
Preferably, close range wireless communication module can be near-field communication NFC module, bluetooth module, also can be radio-frequency (RF) identification FRID module, and the present invention is not limited to this, and other modules can carrying out closely data transmit-receive also can be implemented, such as, Wireless Fidelity WIFI module.
Provide a kind of financial chip card in above-mentioned preferred embodiment, comprise the power management module be encapsulated in card, fingerprint identification module, central processor CPU module, close range wireless communication module.Central processor CPU module on finance chip card body receives the finger print information of user from the fingerprint identification module financial chip card body, carry out unique point interpretation, and sentence read result is sent to the different terminal device comprising close range wireless communication module receiver, different terminal devices is given financial chip card respectively and is possessed different access rights, use financial chip card can be realized, control the authority of multifunctional equipment (as access control equipment), efficiently solving in prior art needs often to carry that a large amount of chip card causes takes up room and easily chaotic problem, improve the convenience that financial chip card uses.
Embodiment two
Fig. 3 is the structured flowchart of the financial chip card of the specific embodiment of the invention two, and as shown in Figure 3, the financial chip card of the present embodiment comprises:
Be encapsulated in the fingerprint identification module in card, as shown in Figures 1 and 2, this fingerprint identification module comprises a fingerprint recognition chip 212 (FingerprintingIC, FPIC), the circuit utilizing this fingerprint identification module to carry out fingerprint recognition checking comprises power management module 110 (PWRcontrol), fingerprint recognition chip 212 (FPIC), CPU (CentralProcessingUnit, central processing unit) module 130, NFC (NearFieldCommunication, near-field communication) module 140, AFE (ActiveFrontEnd, rectification/feedback unit) module 214, EPROM (ErasableProgrammableReadOnlyMemory, erasable programmable read-only register) module 216 and SPISlave (SerialPeripheralInterface, Serial Peripheral Interface (SPI)).
Power module is RF (RadioFrequency, radio frequency) induction power supply, adopts accumulator as power supply, for powering to fingerprint identification module, NFC module and CPU module.
Fingerprint identification module comprises a fingerprint recognition chip, and fingerprint recognition chip is used for the finger print information of acquisition operations person, and is sent to CPU module by SPISlave and carries out unique point interpretation.
Preferably, be connected by Serial Peripheral Interface (SPI) between fingerprint identification module with CPU, and/or be connected by SPISlave interface between CPU with NFC module.
CPU module is used for carrying out unique point comparison interpretation to acquisition operations person's finger print information and the user fingerprints information prestored.
NFC module is used for completing the finger print information acquisition touching fingerprint recognition chip when fingerprint identification module and after carrying out fingerprint feature point comparison interpretation by CPU module, fingerprint sentence read result being sent to the terminal device with NFC receiver.
AFE module is used for demodulation or modulation RF signal, is exported or input NFC data signal by antenna.
EPROM module is that one has erasable function, the ROM internal memory can programmed again after erasing, for depositing program code and finger print information is accessed for CPU module.
SPISlave is a kind of high speed, full duplex, synchronous communication bus, the pin of chip only takies four lines, has saved the pin of chip, be PCB (PrintedCircuitBoard simultaneously, rigid circuit board) layout save space, provide convenience.
Fig. 4 is the workflow schematic diagram of the financial chip card of the specific embodiment of the invention two, and as shown in Figure 4, the workflow of Card-terminal comprises step 411 to step 417, and the workflow of terminal device comprises step 510 to 515.
The workflow of Card-terminal 400 comprises:
Step 410, RF induction power supply, perform step 411,412 and 413.
Start NFC/CPU/FPIC after the power induction of card internal RF simultaneously.
Step 411, fingerprint recognition chip enable, perform step 414.
FPIC carries out fingerprint data reading to user's finger, and data is sent to CPU module by SPISlave carries out fingerprint feature point interpretation.
Step 412, CPU start, and perform step 415.
Step 413, NFC start, and perform step 416.
Step 414, finger print data is reached CPU, perform step 415.
Step 415, CPU carry out unique point interpretation and result are reached NFC, perform step 413.
Sentence read result is sent to NFC module by SPISlave by CPU module.
Step 416, NFC transmit judged result to NFC receiver, perform step 417.
Sentence read result is sent to computer end NFC receiver by RF signal by NFC module.
Step 417, transmission terminate.
The workflow of terminal 500 comprises:
Step 510, NFC receiver receive finger print data, perform step 511.
Whether step 511, fingerprint conform to, if then perform step 513, otherwise perform step 512.
Step 512, give a warning information, returns step 510.
Step 513, carry out unblanking or user's data logs in, perform step 515.
If terminal device is access control terminal equipment; If fingerprint interpretation is conform to the user fingerprints information prestored, allow to use this financial chip card to unblank this access control terminal equipment.
If terminal device is financial terminal equipment, if fingerprint interpretation is conform to the user fingerprints information prestored, then carry out Private Banking's webpage and log in action, do not need to key in UserName and Password again, after logging in Private Banking's webpage, Private Banking's data check can be carried out or transfer accounts, the transaction such as payment, transfer accounts, the transaction such as payment need to respond to a card again and realize; If fingerprint interpretation is do not conform to the user fingerprints information prestored, then cannot carry out Private Banking's webpage, and produce warning message or report to the police to banking system.
Step 515, end.
Finger print information and IC-card combine by the present invention, design a kind of card security system based on biological information of human body, realize " people engages one " and " both recognized password, and can recognize people again ", improve the security of IC-card, ensure the vital interests of holder.In addition, by the function i ntegration of multiple cards in integral production comprehensive card, facilitate user management and carry, simultaneously user holds a comprehensive card and can complete transaction, clearing, access and the various activities such as identity validation.
Embodiment three
Fig. 5 is the authority control method process flow diagram based on financial chip card at financial chip card end of the embodiment of the present invention three, and Fig. 6 is the authority control method process flow diagram based on financial chip card on the access control terminal equipment financial chip card being carried out to identification unblock of the embodiment of the present invention three.Fig. 7 be the embodiment of the present invention three financial chip card is being carried out to the authority control method process flow diagram based on financial chip card on the financial terminal equipment of financial transaction.
As shown in Figure 5, the authority control method based on financial chip card of the present embodiment comprises:
Central processor CPU module on step S501, financial chip card body receives the finger print information of user from the fingerprint identification module financial chip card body.
When user is by fingerprint identification module on finger contact finance chip card body, fingerprint identification module reads the finger print information of this user, sends the CPU module on financial chip card body to.
Received finger print information carries out mating interpretation with the finger print information of the memory module pre-stored on financial chip card body by step S502, CPU module.
Namely unique point interpretation is carried out according to finger print information, to obtain the fingerprint characteristic dot information of active user, terminal for carrying out financial transaction to financial chip card carries out finger print information coupling according to interpretation unique point, to determine that whether active user is the owner of this financial chip card.Further, this step can specifically comprise: CPU module carries out unique point comparison interpretation to the user fingerprints information that received finger print information and financial chip card prestore.
Sentence read result is exported to output module on financial chip card body to send by step S503, CPU module, wherein, sentence read result is sent to the receiver corresponding with output module by output module, gives chip card respectively possess different access rights to make the different terminal device comprising receiver.
Wherein, the different terminal device comprising close range wireless communication module receiver comprises:
Access control terminal equipment, when sentence read result is the first result, gives financial chip card first access rights; When sentence read result is the second result, give financial chip card second access rights; Preferably, the first access rights are the limited field allowing access access control terminal equipment, and the second access rights are the limited field of disable access access control terminal equipment.
Financial terminal equipment, when sentence read result is the first result, gives financial chip card the 3rd access rights; When sentence read result is the second result, give financial chip card the 4th access rights.Preferably, the 3rd access rights for allow access financial terminal equipment in the corresponding financial service of financial chip card internal information, the 4th access rights be permission financial terminal equipment in general financial service or disable access financial terminal equipment.
As shown in Figure 6, the authority control method based on financial chip card of the present embodiment comprises:
Step S601, access control terminal equipment receive the fingerprint interpretation information of corresponding financial chip card transmission by receiver.
Step S602, judge that fingerprint interpretation information shows whether the finger print information of financial chip card collection mates with the finger print information prestored.
If step S603 fingerprint interpretation information shows that the finger print information of financial chip card collection mates with the finger print information prestored, give financial chip card and possess the first authority.
If step S604 fingerprint interpretation information shows that the finger print information of financial chip card collection does not mate with the finger print information prestored, give financial chip card and possess the second authority, and/or, send warning.
Preferably, the first access rights are the limited field allowing access access control terminal equipment, and the second access rights are the limited field of disable access access control terminal equipment.
As shown in Figure 7, the authority control method based on financial chip card of the present embodiment comprises:
Step S701, financial terminal equipment receive the fingerprint interpretation information of corresponding financial chip card transmission by receiver.
Step S702, judge that fingerprint interpretation information shows whether the finger print information of financial chip card collection mates with the finger print information prestored.
If step S703 fingerprint interpretation information shows that the finger print information of financial chip card collection mates with the finger print information prestored, then carry out Private Banking's webpage and log in action, do not need to key in username and password.
If step S704 interpretation information shows that the finger print information of financial chip card collection does not mate with the finger print information prestored, then cannot enter Private Banking's webpage, produce warning message and/or report to the police to banking system.
The financial chip card provided based on the embodiment of the present invention one and embodiment two based on the authority control method of financial chip card that the present embodiment provides, possesses the beneficial effect corresponding to financial chip card.
All or part of content in the technical scheme that above embodiment provides can be realized by software programming, and its software program is stored in the storage medium that can read, storage medium such as: the hard disk in computing machine, CD or floppy disk.
Note, above are only preferred embodiment of the present invention and institute's application technology principle.Skilled person in the art will appreciate that and the invention is not restricted to specific embodiment described here, various obvious change can be carried out for a person skilled in the art, readjust and substitute and can not protection scope of the present invention be departed from.Therefore, although be described in further detail invention has been by above embodiment, the present invention is not limited only to above embodiment, when not departing from the present invention's design, can also comprise other Equivalent embodiments more, and scope of the present invention is determined by appended right.
Claims (14)
1. a financial chip card, is characterized in that, comprises the fingerprint identification module be encapsulated in card, central processor CPU module, memory module and output module, wherein,
Described fingerprint identification module is used for the finger print information of acquisition operations person and is sent to described CPU module;
Described CPU module is used for the described finger print information gathered to carry out mating interpretation with the finger print information of pre-stored, and sentence read result is sent to described output module;
Described output module is used for described sentence read result to be sent to the receiver corresponding with described output module, give described financial chip card respectively to make the different terminal device comprising described receiver and possess different access rights, wherein, described memory module is pre-stored with finger print information and the match information for matching from the different terminal device comprising described receiver.
2. financial chip card as claimed in claim 1, it is characterized in that, described output module is close range wireless communication module, for described sentence read result being exported by the short distance wireless communication technology, described financial chip card also comprises the power management module be encapsulated in card, for starting described fingerprint identification module, described close range wireless communication module and described CPU module and power.
3. financial chip card as claimed in claim 1 or 2, is characterized in that,
The described different terminal device comprising receiver comprises: access control terminal equipment, described match information comprises the first match information, for mating with described access control terminal equipment, wherein: when described sentence read result is the first result, described financial chip card is given by described access control terminal equipment and is possessed the first access rights; When described sentence read result is the second result, described financial chip card is given by described access control terminal equipment possesses the second access rights;
The described different terminal device comprising described receiver also comprises: financial terminal equipment, described match information comprises the second match information, for mating with described financial terminal equipment, wherein: when described sentence read result is the first result, described financial chip card is given by described financial terminal equipment and is possessed the 3rd access rights; When described sentence read result is the second result, described financial chip card is given by described financial terminal equipment possesses the 4th access rights.
4. financial chip card as claimed in claim 3, is characterized in that, described first access rights are the limited field allowing the described access control terminal equipment of access, the limited field that described second access rights are access control terminal equipment described in disable access; Described 3rd access rights for allow access described financial terminal equipment in the corresponding financial service of described financial chip card internal information, described 4th access rights be permission described financial terminal equipment in general financial service or disable access described in financial terminal equipment.
5. financial chip card as claimed in claim 1 or 2, is characterized in that, described fingerprint identification module comprises a fingerprint recognition chip.
6. financial chip card as claimed in claim 2, is characterized in that, described close range wireless communication module is near-field communication NFC module, bluetooth module, radio-frequency (RF) identification FRID module or Wireless Fidelity WIFI module.
7. financial chip card as claimed in claim 1 or 2, is characterized in that, is connected between described fingerprint identification module with described CPU by Serial Peripheral Interface (SPI), and/or is connected by Serial Peripheral Interface (SPI) between described CPU with described NFC module.
8. financial chip card as claimed in claim 2, it is characterized in that, described financial chip card also comprises rectification/feedback AFE module, described AFE module is used for by antenna received RF signal, described power management module is inputted after rectification is carried out to described radiofrequency signal, and for receiving the described sentence read result that described close range wireless communication module sends, described sentence read result being tuned as radiofrequency signal and being sent to the receiver corresponding with described close range wireless communication module.
9. financial chip card as claimed in claim 2, it is characterized in that, described memory module comprises erasable programmable read-only register EPROM, described EPROM is connected with described CPU module and described close range wireless communication module, for depositing program code and finger print information is accessed for described CPU module.
10. based on an authority control method for financial chip card, it is characterized in that, comprising:
Central processor CPU module on finance chip card body receives the finger print information of user from the fingerprint identification module financial chip card body;
The finger print information of received described finger print information with the memory module pre-stored on described financial chip card body carries out mating interpretation by described CPU module;
Sentence read result is exported to output module on described financial chip card body to send by described CPU module, wherein, described sentence read result is sent to the receiver corresponding with described output module by described output module, gives described chip card respectively possess different access rights to make the different terminal device comprising described receiver.
11. methods as claimed in claim 10, it is characterized in that, described output module is close range wireless communication module, for described sentence read result being exported by the short distance wireless communication technology, described financial chip card also comprises the power management module be encapsulated in card, for starting described fingerprint identification module, described close range wireless communication module and described CPU module and power.
12. methods as described in claim 10 or 11, is characterized in that, described in comprise described receiver different terminal devices comprise:
Access control terminal equipment, when described sentence read result is the first result, gives described financial chip card first access rights; When described sentence read result is the second result, give described financial chip card second access rights;
Financial terminal equipment, when described sentence read result is the first result, gives described financial chip card the 3rd access rights; When described sentence read result is the second result, give described financial chip card the 4th access rights.
13. 1 kinds based on the authority control method of financial chip card, is characterized in that, comprising:
The fingerprint interpretation information that the output module that access control terminal equipment receives corresponding financial chip card by receiver sends;
If described fingerprint interpretation information shows that the finger print information of described financial chip card collection mates with the finger print information prestored, give described financial chip card and possess the first authority;
If described fingerprint interpretation information shows that the finger print information of described financial chip card collection does not mate with the finger print information prestored, give described financial chip card and possess the second authority, and/or send warning.
14. 1 kinds based on the authority control method of financial chip card, is characterized in that, comprising:
The fingerprint interpretation information that the output module that financial terminal equipment receives corresponding financial chip card by receiver sends;
If described fingerprint interpretation information shows that the finger print information of described financial chip card collection mates with the finger print information prestored, then carry out Private Banking's webpage and log in action, do not need to key in username and password, if described interpretation information shows that the finger print information of described financial chip card collection does not mate with the finger print information prestored, then cannot enter Private Banking's webpage, produce warning message and/or report to the police to banking system.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510582428.6A CN105117634A (en) | 2015-09-14 | 2015-09-14 | Financial chip card and right control method based on same |
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| CN201510582428.6A CN105117634A (en) | 2015-09-14 | 2015-09-14 | Financial chip card and right control method based on same |
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