CN106169091B - A kind of fiscard and its application method - Google Patents
A kind of fiscard and its application method Download PDFInfo
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- CN106169091B CN106169091B CN201610521660.3A CN201610521660A CN106169091B CN 106169091 B CN106169091 B CN 106169091B CN 201610521660 A CN201610521660 A CN 201610521660A CN 106169091 B CN106169091 B CN 106169091B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/0772—Physical layout of the record carrier
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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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
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- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Hardware Design (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a kind of fiscard and its application method, it is related to technical field of intelligent card, improve the safety and convenience of financial card paying, it include: safety chip, functional chip, wireless communication chips, display screen and power supply, wherein: wireless communication chips are communicated with external equipment, judge whether transaction request that fiscard receives is related to the processing to secure data, safety chip is sent by the transaction request for being related to secure data processing, sends functional chip for the transaction request for being related to the data processing unrelated with safety；Safety chip is handled secure data according to the transaction request received, and by treated, secure data is converted to two dimensional code to chip by wireless communication, and is sent to display screen；Display screen will receive that treated, and secure data is shown in the form of two dimensional code.The invention is used to improve the safety and convenience of financial card paying.
Description
Technical field
This application involves technical field of intelligent card, especially a kind of fiscard and its application method.
Background technique
With the rise of mobile payment, people are increasingly accustomed to paying by mobile terminals such as mobile phone, plates, just
For existing payment scheme, select the security level of the pure software means of payment low, such as mobile-phone payment and the payment of two dimensional code barcode scanning；
Selection USB electronic cipher device payment then needs to be physically connected to computer end and carries out delivery operation；And use credible performing environment, peace
The payment schemes such as full chip then need to update hardware platform.
It can be seen that existing payment scheme will receive the limitation of the factors such as handset capability, functional configuration and network, it can not be simultaneously
Meet the safety of financial card paying and facilitates sexual experience.
Summary of the invention
The purpose of the present invention is to provide a kind of fiscard and its application method, improve financial card paying safety and
Facilitate sexual experience.
In order to achieve the above objectives, the present invention provides a kind of fiscard, comprising: safety chip, functional chip, wireless communication core
Piece, display screen and power supply, in which:
Wireless communication chips are communicated with external equipment, judge whether the transaction request that fiscard receives is related to peace
The processing of total evidence sends safety chip for the transaction request for being related to secure data processing, will be related to the number unrelated with safety
Functional chip is sent to according to the transaction request of processing；
Safety chip is handled secure data according to the transaction request received, and chip will by wireless communication
Treated, and secure data is converted to two dimensional code, and is sent to display screen；
Display screen will receive that treated, and secure data is shown in the form of two dimensional code；
Functional chip is handled the data unrelated with safety, by wireless communication according to the transaction request received
By treated, data are sent to display screen to chip.
The wireless communication chips include Bluetooth chip and/or NFC chip.
The fiscard further includes multiple keys, and multiple keys include at least upturning key, downturning key, acknowledgement key, cancel key
And power key, wherein cancel key and power key are same key, and the differentiation of function is realized by the length of compressing time.
The fiscard further includes external contact, for being electrically connected in contact credit card transaction mode with card reader
It connects.
Fiscard provided by the invention is with structure as described above, and two dimensional code is output to display as element of transaction
Screen avoids the security risk of pure software payment；External equipment completes the fast exchange of information by sweeping two dimensional code and fiscard；
Wireless communication chips make to establish wireless transfer channel between fiscard and external equipment and remove physical connection from, it can be seen that, this
Invention provides fiscard and all has good user experience in terms of safety and convenience.
The application also provides a kind of application method of fiscard, and the application method of the fiscard includes online trading process,
Online trading process includes the following steps:
Step S1, it after user completes online shopping by intelligent movable equipment, is initiated from intelligent movable equipment to fiscard
Transaction request；
Step S2, user starts fiscard, and fiscard exports two dimensional code, which includes unpaired message, and user uses
Intelligent movable equipment scans the two-dimensional code, and matches intelligent movable equipment and fiscard, establishes wireless transfer channel therebetween；
Step S3, fiscard carries out user identity authentication；
Step S4, fiscard is by after authentication, safety chip according to the transaction request received to secure data into
Row processing, and display screen is returned the result to, confirm to user；
Step S5, user confirms Transaction Information, completes transaction.
Wherein, in step S3 fiscard to user carry out authentication specifically includes the following steps:
S301, certificate server issue certification request to smart card；
S302, user input the PIN code of fiscard；
The safety chip generation of S303, fiscard are authenticated password and are shown on a display screen with quick response code form；
S304, scanning input two dimensional code read the certification password of fiscard, and are sent to certificate server；
S305, certificate server call fiscard account information, and generate relevant random sequence and certification password into
Row compares, and differentiates the legitimacy and authenticity of user identity.
The application method of fiscard further includes contact card-swiping mode, and contact card-swiping mode includes the following steps:
P1, card reader issue request payment signal to fiscard；
P2, contact are swiped the card, and make to be electrically connected between the external contact of fiscard and card reader；
P3, user input PIN code by the PIN PAD of card reader；
The safety chip generation of P4, fiscard authenticate password and are sent to card reader；
P5, card reader will authenticate password and be sent to certificate server by background server；
Authentication result is simultaneously returned to background server by P6, the legitimacy of certificate server differentiation user identity and authenticity；
P7, fiscard are by the way that after authentication, customer transaction information is shown on the display screen of fiscard；
P8, user confirm Transaction Information, complete transaction.
The application method of fiscard further includes contactless card-swiping mode, contactless card-swiping mode the following steps are included:
Q1, card reader issue request payment signal to fiscard；
Q2, fiscard wireless communication chips sense the signal of card reader, automatically into state of activation；
Q3, user input PIN code in the PIN PAD of card reader；
The safety chip generation of Q4, fiscard authenticate password and are sent to card reader；
Q5, card reader send certificate server by background server for the certification password information of fiscard；
Authentication result is simultaneously returned to background server by Q6, the legitimacy of certificate server differentiation user identity and authenticity；
After Q7, fiscard are by certification, customer transaction information is displayed on the display screen of fiscard；
Q8, user confirm Transaction Information, complete transaction.
The application method of fiscard further includes penny ante process, by fiscard functional chip to penny ante data into
Row processing, wherein included the following steps: by the process that intelligent movable equipment carries out penny ante
R1, user issue request payment signal to fiscard by intelligent movable equipment；
R2, fiscard export two dimensional code, which includes unpaired message, and user scans two dimension using intelligent movable equipment
Code matches intelligent movable equipment and fiscard, establishes wireless transfer channel therebetween；
After R3, fiscard receive payment request, functional chip handles penny ante data, and by processing result
It is shown on display screen with quick response code form；
R4, user scan the two-dimensional code again, read penny ante data information, and transaction results are returned to display screen；
R5, user confirm transaction results, complete transaction.
The application method of fiscard further includes penny ante process, by fiscard functional chip to penny ante data into
Row processing, wherein the process of the penny ante carried out by card reader includes the following steps:
T1, card reader issue request payment signal to fiscard；
T2, fiscard wireless communication chips sense the signal of card reader, automatically into state of activation；
After T3, fiscard receive payment request, functional chip handles penny ante data, and Transaction Information is direct
It is output on the display screen of fiscard；
T4, user confirm Transaction Information, complete transaction.
In the application method of fiscard provided by the invention, two dimensional code is output to display screen as element of transaction, by hand
The external equipments barcode scanning such as machine, Pad completes quick links；Wireless transfer channel is established by Bluetooth chip or NFC chip, makes finance
Remove physical connection between card and external equipment；The fiscard, which is increased, simultaneously carries out certification and user to transaction to user identity
The verification of information confirms process, avoids the security risk of pure software payment, improves the safety of fiscard transaction and convenient
Property.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The some embodiments recorded in application can also be obtained according to these attached drawings other for those of ordinary skill in the art
Attached drawing.
Fig. 1 is the internal structure chart of fiscard provided in this embodiment；
Fig. 2 is the appearance diagram of fiscard provided in this embodiment；
Fig. 3 is the flow chart of the online trading of fiscard provided in this embodiment；
Fig. 4 is the flow chart that fiscard provided in this embodiment carries out user authentication；
Fig. 5 is the flow chart that the contact of fiscard provided in this embodiment is swiped the card；
Fig. 6 is the contactless flow chart swiped the card of fiscard provided in this embodiment；
Fig. 7 is the flow chart that fiscard provided in this embodiment carries out penny ante by intelligent movable equipment；
Fig. 8 is the flow chart that fiscard provided in this embodiment carries out penny ante by card reader.
1- safety chip；2- functional chip；3- wireless communication chips；4- external contact；5- display screen；The more a keys of 6-；
7- power supply；8- external contact；301- Bluetooth chip；302-NFC chip；701- rechargeable battery；702- wireless charging module.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen
Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall in the protection scope of this application.
Optionally, it as shown in Figure 1, fiscard further includes external contact 4, is used in contact credit card transaction mode and reading
Card device is electrically connected.Illustratively, when contact is swiped the card, hold the top of fiscard, along card reader card-brushing groove firmly to
Preceding promotion fiscard, so that fiscard is electrically connected with card reader.
Optionally, as shown in Figure 1, power supply 7 includes rechargeable battery 701 and wireless charging module 702.Illustratively, may be used
Rechargeable battery 701 can be lithium ion battery or polymer battery, be built in fiscard, provide power supply for fiscard, and can
It charges.Illustratively, wireless charging module 702 can incude the electromagnetic wave signal of card reader end sending, and by electromagnetic wave
Signal is converted into current signal, and generated induced current part works for fiscard, and remainder is filled with rechargeable battery
701。
In addition, the embodiment of the present application also provides a kind of application method of fiscard, which is applied to have as above
The fiscard of the structure, specifically, the application method of the fiscard include online trading process, as shown in figure 3, online trading
Process includes the following steps:
Step S1, it after user completes online shopping by intelligent movable equipment, is initiated from intelligent movable equipment to fiscard
Transaction request；
Step S2, user starts fiscard, and fiscard exports two dimensional code, which includes unpaired message, and user uses
Intelligent movable equipment scans the two-dimensional code, and matches intelligent movable equipment and fiscard, establishes wireless transfer channel therebetween；
Step S3, fiscard carries out user identity authentication；
Step S4, fiscard is by after authentication, safety chip according to the transaction request received to secure data into
Row processing, and display screen is returned the result to, confirm to user；
Step S5, user confirms Transaction Information, completes transaction.
Illustratively, when fiscard further includes acknowledgement key, user presses the acknowledgement key of fiscard, completes transaction.Such as nothing
Specified otherwise, text in refer to completion transaction mode all can be with upper type.
Wherein, as shown in figure 4, in step S3 fiscard to user carry out authentication specifically includes the following steps:
S301, certificate server issue certification request to smart card；
S302, user input the PIN code of fiscard；
The safety chip generation of S303, fiscard are authenticated password and are shown on a display screen with quick response code form；
S304, scanning input two dimensional code read the certification password of fiscard, and are sent to certificate server；
S305, certificate server call fiscard account information, and generate relevant random sequence and certification password into
Row compares, and differentiates the legitimacy and authenticity of user identity.
In the application method of fiscard provided in an embodiment of the present invention, two dimensional code is output to display screen as element of transaction
5, quick links are completed by the external equipments barcode scanning such as mobile phone, Pad；Wireless transfer channel is established by Bluetooth chip or NFC chip,
Make to remove physical connection between fiscard and external equipment from；The fiscard, which is increased, simultaneously carries out certification and user to user identity
Process is confirmed to the verification of Transaction Information, the security risk of pure software payment is avoided, improves the safety of fiscard transaction
And convenience.
Optionally, the application method of fiscard further includes contact card-swiping mode, as shown in figure 5, contact card-swiping mode
Include the following steps:
P1, card reader issue request payment signal to fiscard；
P2, contact are swiped the card, and make to be electrically connected between the external contact of fiscard and card reader；
P3, user input PIN code by the PIN PAD of card reader；
The safety chip generation of P4, fiscard authenticate password and are sent to card reader；
P5, card reader will authenticate password and be sent to certificate server by background server；
Authentication result is simultaneously returned to background server by P6, the legitimacy of certificate server differentiation user identity and authenticity；
P7, fiscard are by the way that after authentication, customer transaction information is shown on the display screen of fiscard；
P8, user confirm Transaction Information, complete transaction.
It illustratively, can be by fiscard account with two dimension in order to avoid the fiscard account information that user retains in trade company
Code form is apparent on display screen 5, and in the handoff procedure of several screen messages, is dynamically completed financial card information and transaction is believed
The submission of breath.
Optionally, the application method of fiscard further includes contactless card-swiping mode, as shown in fig. 6, contactless swipe the card
Mode the following steps are included:
Q1, card reader issue request payment signal to fiscard；
Q2, fiscard wireless communication chips sense the signal of card reader, automatically into state of activation；
Q3, user input PIN code in the PIN PAD of card reader；
The safety chip generation of Q4, fiscard authenticate password and are sent to card reader；
Q5, card reader send certificate server by background server for the certification password information of fiscard；
Authentication result is simultaneously returned to background server by Q6, the legitimacy of certificate server differentiation user identity and authenticity；
After Q7, fiscard are by certification, customer transaction information is displayed on the display screen of fiscard；
Q8, user confirm Transaction Information, complete transaction.
It similarly, can be by fiscard account with two dimensional code in order to avoid the fiscard account information that user retains in trade company
Form shows on a display screen, and in the handoff procedure of several screen messages, is dynamically completed financial card information and Transaction Information
Submission.
Optionally, the application method of fiscard further includes penny ante process, the credit card transaction process of similar bus card, In
The transaction funds of certain number are prestored in card, only need to be by bus card close to card reader, then bus card senses what card reader issued
Requests transaction signal, reduced out of bus card automatically by section expense by bus, due to bus card to prestore the amount of money low, be
The agility and convenience swiped the card, therefore the control to its safety is had ignored, it is verified in entire process of exchange without PIN code,
Fiscard exempts from the application in close transaction field in small amount in order to balance, and the embodiment of the present invention passes through the function core of fiscard
Piece handles penny ante data, since entire penny ante process is not related to the access to secure data, full
Under the premise of sufficient safety, fiscard has been expanded in the application for requiring the small amount of agility and convenience to exempt from close transaction field.
Wherein, as shown in fig. 7, being included the following steps: by the process that intelligent movable equipment carries out penny ante
R1, user issue request payment signal to fiscard by intelligent movable equipment；
R2, fiscard export two dimensional code, which includes unpaired message, and user scans two dimension using intelligent movable equipment
Code matches intelligent movable equipment and fiscard, establishes wireless transfer channel therebetween；
After R3, fiscard receive payment request, functional chip handles penny ante data, and by processing result
It is shown on display screen with quick response code form；
R4, user scan the two-dimensional code again, read penny ante data information, and transaction results are returned to display screen；
R5, user confirm transaction results, complete transaction.
It similarly, can be by fiscard account with two dimensional code in order to avoid the fiscard account information that user retains in trade company
Form shows on a display screen, and in the handoff procedure of several screen messages, is dynamically completed financial card information and Transaction Information
Submission.
As shown in figure 8, the process of the penny ante carried out by card reader includes the following steps:
T1, card reader issue request payment signal to fiscard；
T2, fiscard wireless communication chips sense the signal of card reader, automatically into state of activation；
After T3, fiscard receive payment request, functional chip handles penny ante data, and Transaction Information is direct
It is output on the display screen of fiscard；
T4, user confirm Transaction Information, complete transaction.
It similarly, can be by fiscard account with two dimensional code in order to avoid the fiscard account information that user retains in trade company
Form is apparent on display screen 5, and in the handoff procedure of several screen messages, is dynamically completed financial card information and Transaction Information
Submission.
Illustratively, the upper limit that can set penny ante is stored in functional chip 2 as 100 yuan, and by the amount of money, then
Penny ante data are handled by functional chip 2, input fiscard PIN code is not needed in setting limit；When being more than
When Sorry, your ticket has not enough value when setting limit or in functional chip, it can apply for the required amount of money to safety chip 1, pass through and input fiscard
PIN code is realized.
Although the preferred embodiment of the application has been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the application range.Obviously, those skilled in the art can be to the application
Various modification and variations are carried out without departing from spirit and scope.If in this way, these modifications and variations of the application
Belong within the scope of the claim of this application and its equivalent technologies, then the application is also intended to encompass these modification and variations and exists
It is interior.
Claims (7)
1. a kind of fiscard characterized by comprising safety chip, functional chip, wireless communication chips, display screen and power supply,
Wherein:
Wireless communication chips are communicated with external equipment, judge whether the transaction request that fiscard receives is related to safety number
According to processing, the transaction request that will be related to secure data processing is sent to safety chip, will be related to at unrelated data safely
The transaction request of reason is sent to functional chip；
Safety chip is handled secure data according to the transaction request received, and chip will be handled by wireless communication
Secure data afterwards is converted to two dimensional code, and is sent to display screen；
Display screen will receive that treated, and secure data is shown in the form of two dimensional code；
Functional chip is handled the data unrelated with safety, by wireless communication chip according to the transaction request received
By treated, data are sent to display screen；
Fiscard further includes external contact, for being electrically connected in contact credit card transaction mode with card reader；
User starts fiscard, and fiscard exports two dimensional code, which includes unpaired message, and user uses intelligent movable equipment
It scans the two-dimensional code, matches intelligent movable equipment and fiscard, establish wireless transfer channel therebetween；
Fiscard carries out user identity authentication；
After fiscard passes through authentication, safety chip is handled secure data according to the transaction request received, and will
As a result display screen is returned to, is confirmed to user；
User confirms Transaction Information, completes transaction；
Certificate server issues certification request to smart card；
The PIN code of user's input fiscard；
The safety chip of fiscard is generated certification password and is shown on a display screen with quick response code form；
Scanning input two dimensional code reads the certification password of fiscard, and is sent to certificate server；
Certificate server calls the account information of fiscard, and generates relevant random sequence and be compared with certification password, sentences
The legitimacy and authenticity of other user identity；
The penny ante amount of money is stored in functional chip, penny ante data are handled by functional chip, are being set
Penny ante monetary limit in do not need input fiscard PIN code, when be more than setting penny ante monetary limit or function
When storing that Sorry, your ticket has not enough value in chip, to the amount of money needed for safety chip application, realized by inputting the PIN code of fiscard.
2. fiscard as described in claim 1, which is characterized in that wireless communication chips include Bluetooth chip and/or NFC core
Piece.
3. fiscard as described in claim 1, which is characterized in that fiscard further includes multiple keys, and multiple keys at least wrap
Upturning key, downturning key, acknowledgement key, cancel key and power key are included, wherein cancel key and power key are same key, when passing through pressing
Between length realize function differentiation.
4. a kind of application method of fiscard, which is characterized in that including online trading process, online trading process includes following step
It is rapid:
Step S1, it after user completes online shopping by intelligent movable equipment, initiates to trade from intelligent movable equipment to fiscard
Request；
Step S2, user starts fiscard, and fiscard exports two dimensional code, which includes unpaired message, and user uses movement
Smart machine scans the two-dimensional code, and matches intelligent movable equipment and fiscard, establishes wireless transfer channel therebetween；
Step S3, fiscard carries out user identity authentication；
Step S4, fiscard is by after authentication, safety chip according to the transaction request received to secure data at
Reason, and display screen is returned the result to, confirm to user；
Step S5, user confirms Transaction Information, completes transaction；
It further include contact card-swiping mode, contact card-swiping mode includes the following steps:
P1, card reader issue request payment signal to fiscard；
P2, contact are swiped the card, and make to be electrically connected between the external contact of fiscard and card reader；
P3, user input PIN code by the PIN PAD of card reader；
The safety chip generation of P4, fiscard authenticate password and are sent to card reader；
P5, card reader will authenticate password and be sent to certificate server by background server；
Authentication result is simultaneously returned to background server by P6, the legitimacy of certificate server differentiation user identity and authenticity；
P7, fiscard are by the way that after authentication, customer transaction information is shown on the display screen of fiscard；
P8, user confirm Transaction Information, complete transaction；
S301, certificate server issue certification request to smart card；
S302, user input the PIN code of fiscard；
The safety chip generation of S303, fiscard are authenticated password and are shown on a display screen with quick response code form；
S304, scanning input two dimensional code read the certification password of fiscard, and are sent to certificate server；
S305, certificate server call the account information of fiscard, and generate relevant random sequence and compared with certification password
It is right, differentiate the legitimacy and authenticity of user identity；
The penny ante amount of money is stored in functional chip, penny ante data are handled by functional chip, are being set
Penny ante monetary limit in do not need input fiscard PIN code, when be more than setting penny ante monetary limit or function
When storing that Sorry, your ticket has not enough value in chip, to the amount of money needed for safety chip application, realized by inputting the PIN code of fiscard.
5. the application method of fiscard as claimed in claim 4, which is characterized in that it further include contactless card-swiping mode, it is non-
Contact card-swiping mode the following steps are included:
Q1, card reader issue request payment signal to fiscard；
Q2, fiscard wireless communication chips sense the signal of card reader, automatically into state of activation；
Q3, user input PIN code in the PIN PAD of card reader；
The safety chip generation of Q4, fiscard authenticate password and are sent to card reader；
Q5, card reader send certificate server by background server for the certification password of fiscard；
Authentication result is simultaneously returned to background server by Q6, the legitimacy of certificate server differentiation user identity and authenticity；
Q7, fiscard are by the way that after authentication, customer transaction information is displayed on the display screen of fiscard；
Q8, user confirm Transaction Information, complete transaction.
6. the application method of fiscard as claimed in claim 4, which is characterized in that further include penny ante process, by finance
The functional chip of card handles penny ante data, wherein the process packet of penny ante is carried out by intelligent movable equipment
Include following steps:
R1, user issue request payment signal to fiscard by intelligent movable equipment；
R2, fiscard export two dimensional code, which includes unpaired message, and user is scanned the two-dimensional code using intelligent movable equipment,
Intelligent movable equipment and fiscard are matched, establishes wireless transfer channel therebetween；
After R3, fiscard receive payment request, functional chip handles penny ante data, and by processing result with two
Dimension code form is shown on display screen；
R4, user scan the two-dimensional code again, read penny ante data information, and transaction results are returned to display screen；
R5, user confirm transaction results, complete transaction.
7. the application method of fiscard as claimed in claim 4, which is characterized in that further include penny ante process, by finance
The functional chip of card handles penny ante data, wherein the process of the penny ante carried out by card reader includes such as
Lower step:
T1, card reader issue request payment signal to fiscard；
T2, fiscard wireless communication chips sense the signal of card reader, automatically into state of activation；
After T3, fiscard receive payment request, functional chip handles penny ante data, and Transaction Information directly displays
Onto display screen；
T4, user confirm Transaction Information, complete transaction.
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| CN106845978A (en) * | 2017-01-16 | 2017-06-13 | 上海亚融信息技术有限公司 | IC-card self-cipher input system and IC-card self-cipher input method |
| WO2018165921A1 (en) * | 2017-03-15 | 2018-09-20 | 深圳大趋智能科技有限公司 | Pos machine password secure input method and device |
| CN106991564B (en) * | 2017-04-05 | 2019-11-08 | 恒宝股份有限公司 | A kind of Internet of Things Payment Card and its Transaction Information confirmation method |
| CN106952091B (en) * | 2017-04-05 | 2019-12-31 | 恒宝股份有限公司 | Internet of things payment equipment and working method thereof |
| CN107122972B (en) * | 2017-05-12 | 2019-11-08 | 恒宝股份有限公司 | A kind of working method and system of bluetooth card |
| CN108665267A (en) * | 2018-07-05 | 2018-10-16 | 中国工商银行股份有限公司 | Safety certification device and system |
| CN113222586A (en) * | 2021-04-28 | 2021-08-06 | 武汉天喻信息产业股份有限公司 | Active visual card supporting active and passive payment receiving and paying functions |
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| CN103747012A (en) * | 2013-08-01 | 2014-04-23 | 戴林巧 | Security verification method, device and system of network transaction |
| CN104618117A (en) * | 2015-02-04 | 2015-05-13 | 北京云安世纪科技有限公司 | Two-dimension code based smart card device identity authentication device and method |
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| CN103747012A (en) * | 2013-08-01 | 2014-04-23 | 戴林巧 | Security verification method, device and system of network transaction |
| CN104618117A (en) * | 2015-02-04 | 2015-05-13 | 北京云安世纪科技有限公司 | Two-dimension code based smart card device identity authentication device and method |
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