CN105405012A - Smart IC card and payment processing method - Google Patents
Smart IC card and payment processing method Download PDFInfo
- Publication number
- CN105405012A CN105405012A CN201410460920.1A CN201410460920A CN105405012A CN 105405012 A CN105405012 A CN 105405012A CN 201410460920 A CN201410460920 A CN 201410460920A CN 105405012 A CN105405012 A CN 105405012A
- Authority
- CN
- China
- Prior art keywords
- card
- intellective
- bluetooth communication
- intelligent terminal
- dynamic password
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Abstract
The invention relates to a smart IC card and a payment processing method. The smart IC card comprises a Bluetooth communication module for establishing Bluetooth communication connection with a smart terminal; and a processor module comprising a receiving unit that receives a dynamic password acquisition request transmitted by the smart terminal via the Bluetooth communication connection, a dynamic password generation unit for generating a dynamic password, and a transmitting unit for returning the dynamic password to the smart terminal. Thus, the smart IC card can establish the Bluetooth communication connection with the smart terminal via the Bluetooth communication module so that the smart IC card can communicate with a smart terminal only supporting Bluetooth communication, thereby further enabling the smart IC card to match the smart terminal so as to complete online payment via the Internet on the smart terminal.
Description
Technical field
The present invention relates to communication technical field, particularly relate to intellective IC card and payment processing method.
Background technology
Along with the development of science and technology, be embedded with the intelligent integrated circuit (IC of microchip, IntegratedCircuitCard) card obtains universal and application, wherein, particularly extensive in the application of financial field intellective IC card, in prior art, some intellective IC cards comprise radio frequency identification (RFID, RadioFrequencyIdentification) chip, support near-field communication (NFC, NearFieldCommunication) technology, wherein NFC technique is a kind of radiotelegraphy of short distance high frequency, pass through NFC technique, just can be able to communicate without any need for physical contact between card reader with intellective IC card, also just can be able to communicate without any need for physical contact between intelligent terminal with intellective IC card, thus coordinating by intellective IC card and intelligent terminal, intelligent terminal is completed on line by internet and pays.
Because NFC technique is only applicable in 10 cm distance, the communication distance be suitable for is too short, and therefore Bluetooth communication supported by some intelligent terminal, and do not support NFC communication.In prior art, intellective IC card only supports NFC communication, and do not support Bluetooth communication, cause only supporting the intelligent terminal of Bluetooth communication cannot with only support that NFC communication intellective IC card communicates, thus intellective IC card cannot be coordinated with intelligent terminal, intelligent terminal is completed on line paying by internet.
Summary of the invention
The invention provides a kind of intellective IC card and payment processing method, object cannot coordinate with intelligent terminal to solve intellective IC card, and intelligent terminal is completed by internet the problem that line pays.
For achieving the above object, on the one hand, the invention provides a kind of intellective IC card, this intellective IC card comprises: bluetooth communication and processor module; Described bluetooth communication, is connected for setting up Bluetooth communication with intelligent terminal; Described processor module connects described bluetooth communication, and described processor module comprises: receiving element, and the Bluetooth communication for being set up by described bluetooth communication connects the dynamic password acquisition request receiving intelligent terminal and send; Dynamic password generation unit, for generating dynamic password; Transmitting element, for returning the dynamic password that described dynamic password generation unit generates to described intelligent terminal; Described dynamic password is sent to certificate server by described intelligent terminal; Described certificate server carries out certification to the described dynamic password received, and sends card information acquisition request to described intelligent terminal after certification is passed through; Card image described in described intelligent terminal for reception obtains request, receives card number and the password of the described intellective IC card of user's input; Public Key Infrastructure PKI digital signature is carried out to the card number of described intellective IC card and password and obtains card image; Card image is replied to described certificate server; Described certificate server carries out digital signature authentication to described card image, and carries out payment processes after being verified.
On the other hand, the invention provides a kind of payment processing method, the method comprises: intellective IC card and intelligent terminal are set up Bluetooth communication and be connected; The dynamic password acquisition request receiving described intelligent terminal and send is connected by described Bluetooth communication; Generate dynamic password; Described dynamic password is returned to described intelligent terminal; Described dynamic password is sent to certificate server by described intelligent terminal; Described certificate server carries out certification to the described dynamic password received, and sends card information acquisition request to described intelligent terminal after certification is passed through; Card image described in described intelligent terminal for reception obtains request, receives card number and the password of the described intellective IC card of user's input; PKI digital signature is carried out to the card number of described intellective IC card and password and obtains card image; Card image is replied to described certificate server; Described certificate server carries out digital signature authentication to described card image, and carries out payment processes after being verified.
In the intellective IC card of the embodiment of the present invention, include bluetooth communication, pass through bluetooth communication, Bluetooth communication can be set up with intelligent terminal to be connected, thus make intellective IC card can with only support that the intelligent terminal of Bluetooth communication communicates, intellective IC card can be made further to coordinate with intelligent terminal, intelligent terminal is completed on line paying by internet; Further, because intellective IC card supports dynamic password identification authenticating and PKI digital signature, therefore by intellective IC card, on intelligent terminal, user fast and conveniently can complete authentication and payment on line.
Accompanying drawing explanation
Fig. 1 is the network architecture schematic diagram in the present invention's payment processing method embodiment;
Fig. 2 is the intellective IC card structural representation in one embodiment of the invention;
Fig. 3 is the payment processing method process flow diagram in one embodiment of the invention.
Embodiment
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
In the embodiment of the present invention, for the ease of intellective IC card with only support that the intelligent terminal of Bluetooth communication communicates, Bluetooth technology is make use of in intellective IC card, and this intellective IC card supports dynamic password identification authenticating and Public Key Infrastructure (PKI, PublicKeyInfrastructure) digital signature, thus can by the information interaction of intellective IC card and intelligent terminal, user, on intelligent terminal, fast and conveniently can complete authentication and payment on line.
Wherein, intellective IC card not only can be applied to the financial fields such as bank, such as bank card or fiscard; Also can be applicable to field of identity authentication, such as China second-generation identity card; Or, be applied to field of telecommunications, such as cell phone customer identification module (SIM, SubscriberIdentityModule) card; Or, public transport field, such as mass transit card, subway card; Or parking lot management domain, such as, for collecting the parking card of parking fee.It may occur to persons skilled in the art that, intellective IC card can be applied to multiple field, in the embodiment of the present invention, does not limit the embody rule field of intellective IC card, is only specially a bank card for intellective IC card and is described in the following examples.
Fig. 1 is the network architecture schematic diagram in the present invention's payment processing method embodiment, network comprises intellective IC card 101, intelligent terminal 102 and certificate server 103, the application program of carrying out payment processes has been installed in intelligent terminal 102, when user needs to carry out payment processes, only need operative intelligence terminal 102, set up Bluetooth communication by intellective IC card 101 with intelligent terminal 102 to be connected, the dynamic password acquisition request receiving intelligent terminal 102 and send is connected by Bluetooth communication, generate dynamic password, dynamic password is returned to intelligent terminal 102, dynamic password is sent to certificate server 103 by intelligent terminal 102, certificate server 103 carries out certification to the dynamic password received, and card information acquisition request is sent to intelligent terminal 102 after certification is passed through, after intelligent terminal 102 receives both cards information acquisition request, receive card number and the password of the intellective IC card 101 of user's input, PKI digital signature is carried out to the card number of intellective IC card 101 and password and obtains card image, card image is replied to certificate server 103, certificate server 103 pairs of card images carry out digital signature authentication, and payment processes is carried out after being verified.
Fig. 2 is the intellective IC card structural representation in one embodiment of the invention, and this intellective IC card comprises: bluetooth communication 201 and processor module 202;
Bluetooth communication 201, is connected for setting up Bluetooth communication with intelligent terminal;
Processor module 202 connects bluetooth communication 201, and processor module 202 comprises:
Receiving element 2021, the Bluetooth communication for being set up by bluetooth communication 201 connects the dynamic password acquisition request receiving intelligent terminal and send;
Dynamic password generation unit 2022, for generating dynamic password;
Transmitting element 2023, for returning the dynamic password that dynamic password generation unit 2022 generates to intelligent terminal; Dynamic password is sent to certificate server by intelligent terminal; Certificate server carries out certification to the described dynamic password received, and sends card information acquisition request to described intelligent terminal after certification is passed through; Card image described in described intelligent terminal for reception obtains request, receives card number and the password of the described intellective IC card of user's input; PKI digital signature is carried out to the card number of described intellective IC card and password and obtains card image; Card image is replied to described certificate server; Described certificate server carries out digital signature authentication to described card image, and carries out payment processes after being verified.
Preferably, described bluetooth communication 201 is specially Bluetooth Low Energy (BLE, Bluetoothlowenergy) module.
Preferably, described intellective IC card also comprises:
Supply module 203, described supply module 203 connects described bluetooth communication 201 and described processor module 202, for powering for described bluetooth communication 201 and described processor module 202.
Wherein, supply module 203 specifically can comprise battery submodule and charging submodule, and in the embodiment of the present invention, charging submodule can make intellective IC card have rechargeable function.
Preferably, described intellective IC card also comprises:
Display 204, described display 204 connects described processor module 202, for showing the information that connects.
In the embodiment of the present invention, when the bluetooth communication 201 in intellective IC card and intelligent terminal are set up after Bluetooth communication is connected, the information that connects can be shown on display 204.
Preferably, described intellective IC card also comprises:
Button 205, described button 205 connects described bluetooth communication 201, for opening or closing described bluetooth communication 201.
In the embodiment of the present invention, user can when needs carry out payment processes, bluetooth communication 201 is opened by button 205, when not needing to carry out payment processes, bluetooth communication 201 is closed by button 205, can economize on electricity on the one hand, other-end can be avoided to communicate with intellective IC card on the other hand, steal intellective IC card internal information.
From the concrete structure of above-mentioned intellective IC card, in the intellective IC card of the embodiment of the present invention, include bluetooth communication 201, by bluetooth communication 201, Bluetooth communication can be set up with intelligent terminal to be connected, thus make intellective IC card can with only support that the intelligent terminal of Bluetooth communication communicates, intellective IC card can be made further to coordinate with intelligent terminal, intelligent terminal is completed on line paying by internet; Further, because intellective IC card supports dynamic password identification authenticating and PKI digital signature, therefore by intellective IC card, on intelligent terminal, user fast and conveniently can complete authentication and payment on line.
Fig. 3 is the payment processing method process flow diagram in one embodiment of the invention, and the method comprises:
Step 301, intellective IC card and intelligent terminal are set up Bluetooth communication and are connected.
Step 302, intellective IC card connects the dynamic password acquisition request receiving intelligent terminal and send by Bluetooth communication.
Step 303, intellective IC card generates dynamic password.
Particularly, dynamic password (OTP, One-timePassword) can be generated, generated one according to special algorithm every 60 seconds and combine with time correlation, uncertain random digit, each password can only use once, can produce 43200 passwords every day.
Step 304, intellective IC card returns dynamic password to intelligent terminal.
Step 305, dynamic password is sent to certificate server by intelligent terminal.
Step 306, certificate server carries out certification to the dynamic password received.
Step 307, sends card information acquisition request to intelligent terminal after step 306 certification is passed through.
Step 308, after intelligent terminal for reception obtains request to card image, receives card number and the password of the described intellective IC card of user's input.
Step 309, intelligent terminal carries out PKI digital signature to the card number of intellective IC card and password and obtains card image.
Step 310, intelligent terminal replys card image to certificate server.
Step 311, certificate server carries out digital signature authentication to card image, and carries out payment processes after being verified.
Wherein, payment processes can be, but not limited to comprise the processing procedures such as intellective IC card account balance renewal.
Preferably, intellective IC card is powered by supply module.
Preferably, intellective IC card and intelligent terminal are set up after Bluetooth communication is connected, and also comprise:
The information that connects is shown by display.
Preferably, intellective IC card and intelligent terminal are set up before Bluetooth communication is connected, and also comprise:
Obtain key information, open bluetooth communication according to key information.
In conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, generally describe composition and the step of each example in the above description according to function.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not thought and exceeds scope of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
Claims (8)
1. an intellective IC card, is characterized in that, described intellective IC card comprises: bluetooth communication and processor module;
Described bluetooth communication, is connected for setting up Bluetooth communication with intelligent terminal;
Described processor module connects described bluetooth communication, and described processor module comprises:
Receiving element, the Bluetooth communication for being set up by described bluetooth communication connects the dynamic password acquisition request receiving intelligent terminal and send;
Dynamic password generation unit, for generating dynamic password;
Transmitting element, for returning the dynamic password that described dynamic password generation unit generates to described intelligent terminal; Described dynamic password is sent to certificate server by described intelligent terminal; Described certificate server carries out certification to the described dynamic password received, and sends card information acquisition request to described intelligent terminal after certification is passed through; Card image described in described intelligent terminal for reception obtains request, receives card number and the password of the described intellective IC card of user's input; Public Key Infrastructure PKI digital signature is carried out to the card number of described intellective IC card and password and obtains card image; Card image is replied to described certificate server; Described certificate server carries out digital signature authentication to described card image, and carries out payment processes after being verified.
2. intellective IC card as claimed in claim 1, it is characterized in that, described intellective IC card also comprises:
Supply module, described supply module connects described bluetooth communication and described processor module, for powering for described bluetooth communication and described processor module.
3. intellective IC card as claimed in claim 1, it is characterized in that, described intellective IC card also comprises:
Display, described display connects described processor module, for showing the information that connects.
4. intellective IC card as claimed in claim 1, it is characterized in that, described intellective IC card also comprises:
Button, described button connects described bluetooth communication, for opening or closing described bluetooth communication.
5. a payment processing method, is characterized in that, described method comprises:
Intellective IC card and intelligent terminal are set up Bluetooth communication and are connected;
The dynamic password acquisition request receiving described intelligent terminal and send is connected by described Bluetooth communication;
Generate dynamic password;
Described dynamic password is returned to described intelligent terminal;
Described dynamic password is sent to certificate server by described intelligent terminal;
Described certificate server carries out certification to the described dynamic password received, and sends card information acquisition request to described intelligent terminal after certification is passed through;
Card image described in described intelligent terminal for reception obtains request, receives card number and the password of the described intellective IC card of user's input; Public Key Infrastructure PKI digital signature is carried out to the card number of described intellective IC card and password and obtains card image; Card image is replied to described certificate server; Described certificate server carries out digital signature authentication to described card image, and carries out payment processes after being verified.
6. method as claimed in claim 5, is characterized in that:
Described intellective IC card is powered by supply module.
7. method as claimed in claim 5, is characterized in that, described intellective IC card and intelligent terminal are set up after Bluetooth communication is connected, and also comprise:
The information that connects is shown by display.
8. method as claimed in claim 5, is characterized in that, described intellective IC card and intelligent terminal are set up before Bluetooth communication is connected, and also comprise:
Obtain key information, open described bluetooth communication according to described key information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410460920.1A CN105405012A (en) | 2014-09-11 | 2014-09-11 | Smart IC card and payment processing method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410460920.1A CN105405012A (en) | 2014-09-11 | 2014-09-11 | Smart IC card and payment processing method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN105405012A true CN105405012A (en) | 2016-03-16 |
Family
ID=55470484
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410460920.1A Pending CN105405012A (en) | 2014-09-11 | 2014-09-11 | Smart IC card and payment processing method |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN105405012A (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106022177A (en) * | 2016-05-11 | 2016-10-12 | 新智数字科技有限公司 | Data processing method and intelligent card |
| CN106022176A (en) * | 2016-05-11 | 2016-10-12 | 新智数字科技有限公司 | Card recharging method, terminal, intelligent card, and card recharging system |
| CN106411961A (en) * | 2016-12-14 | 2017-02-15 | 深圳市万通顺达科技股份有限公司 | Connection method of Bluetooth traffic card |
| CN107231603A (en) * | 2017-05-11 | 2017-10-03 | 新智数字科技有限公司 | A kind of intelligent terminal and the method for opening smart bluetooth card online |
| WO2017206510A1 (en) * | 2016-05-31 | 2017-12-07 | 中兴通讯股份有限公司 | Nfc payment method and device |
| CN110516779A (en) * | 2019-08-28 | 2019-11-29 | 中国建设银行股份有限公司 | A kind of IC card |
| WO2021073300A1 (en) * | 2019-10-18 | 2021-04-22 | 飞天诚信科技股份有限公司 | Bluetooth device and operating method thereof |
Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101414909A (en) * | 2008-11-28 | 2009-04-22 | 中国移动通信集团公司 | System, method and mobile communication terminal for verifying network application user identification |
| CN101222333B (en) * | 2007-12-24 | 2010-11-10 | 北京握奇数据系统有限公司 | Data transaction processing method and apparatus |
| CN102611551A (en) * | 2011-01-20 | 2012-07-25 | 深圳市文鼎创数据科技有限公司 | Physical authentication method, physical authentication device, and dynamic password token |
| CN103368743A (en) * | 2013-07-08 | 2013-10-23 | 深圳市文鼎创数据科技有限公司 | Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card |
-
2014
- 2014-09-11 CN CN201410460920.1A patent/CN105405012A/en active Pending
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101222333B (en) * | 2007-12-24 | 2010-11-10 | 北京握奇数据系统有限公司 | Data transaction processing method and apparatus |
| CN101414909A (en) * | 2008-11-28 | 2009-04-22 | 中国移动通信集团公司 | System, method and mobile communication terminal for verifying network application user identification |
| CN102611551A (en) * | 2011-01-20 | 2012-07-25 | 深圳市文鼎创数据科技有限公司 | Physical authentication method, physical authentication device, and dynamic password token |
| CN103368743A (en) * | 2013-07-08 | 2013-10-23 | 深圳市文鼎创数据科技有限公司 | Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106022177A (en) * | 2016-05-11 | 2016-10-12 | 新智数字科技有限公司 | Data processing method and intelligent card |
| CN106022176A (en) * | 2016-05-11 | 2016-10-12 | 新智数字科技有限公司 | Card recharging method, terminal, intelligent card, and card recharging system |
| WO2017206510A1 (en) * | 2016-05-31 | 2017-12-07 | 中兴通讯股份有限公司 | Nfc payment method and device |
| CN106411961A (en) * | 2016-12-14 | 2017-02-15 | 深圳市万通顺达科技股份有限公司 | Connection method of Bluetooth traffic card |
| CN107231603A (en) * | 2017-05-11 | 2017-10-03 | 新智数字科技有限公司 | A kind of intelligent terminal and the method for opening smart bluetooth card online |
| CN107231603B (en) * | 2017-05-11 | 2023-03-24 | 新智数字科技有限公司 | Intelligent terminal and method for opening intelligent Bluetooth card online |
| CN110516779A (en) * | 2019-08-28 | 2019-11-29 | 中国建设银行股份有限公司 | A kind of IC card |
| WO2021073300A1 (en) * | 2019-10-18 | 2021-04-22 | 飞天诚信科技股份有限公司 | Bluetooth device and operating method thereof |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN105405012A (en) | Smart IC card and payment processing method | |
| CN103259667B (en) | The method and system of eID authentication on mobile terminal | |
| CN105144670B (en) | Enable the person identifier system of Wireless Networking | |
| CN102737308B (en) | The method and system of a kind of mobile terminal and inquiry smart card information thereof | |
| US20160012272A1 (en) | Fingerprint authentication system and a fingerprint authentication method based on nfc | |
| CN103778705A (en) | Realization method and system of NFC (near field communication) electronic lock and NFC electronic lock card reader | |
| CN105550928B (en) | System and method for remote account opening of commercial bank network | |
| CN103268547A (en) | NFC (Near Field Communication) mobile phone payment system with fingerprint authentication mechanism | |
| CN103577983A (en) | Load method of electronic currency for off-line consumption | |
| JP2016500173A (en) | A system and method for secure remote access and payment using a mobile device and a powered display card. | |
| CN112424842A (en) | System and method for secure read-only authentication | |
| CN104504563A (en) | Mobile information safety equipment and working method thereof | |
| KR101760502B1 (en) | Payment system and method using dynamic track 2 | |
| TWI626607B (en) | Smart card with dynamic token OTP function and working method thereof | |
| JP2023539633A (en) | Use of NFC field from phone to power card to phone Bluetooth communication | |
| CN102034307A (en) | Electronic wallet-based dynamic password authentication system and method | |
| CN104318440A (en) | IC card | |
| CN105354518B (en) | Virtual chip card system based on mobile intelligent terminal soft excitation electromagnetic near field mutual inductance | |
| CN104320261B (en) | Identity authentication method, financial smart card and terminal are realized on financial smart card | |
| CN105427102A (en) | Financial IC card based authentication method and corresponding device and system | |
| CN103544598A (en) | Financial transaction safety certification system | |
| CN106779672A (en) | The method and device that mobile terminal safety pays | |
| Dang et al. | Large-scale invisible attack on AFC systems with NFC-equipped smartphones | |
| CN203104483U (en) | Fingerprint authentication platform and NFC application terminal | |
| CN103942686A (en) | Data security interactive system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20160316 |