CN106384146A - Financial IC card, payment system and payment method - Google Patents

Financial IC card, payment system and payment method Download PDF

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Publication number
CN106384146A
CN106384146A CN201610846785.3A CN201610846785A CN106384146A CN 106384146 A CN106384146 A CN 106384146A CN 201610846785 A CN201610846785 A CN 201610846785A CN 106384146 A CN106384146 A CN 106384146A
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CN
China
Prior art keywords
financial
card
gesture
card chip
quick response
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
Application number
CN201610846785.3A
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Chinese (zh)
Inventor
王建林
张强
陈良
靳松
胡庆格
周飞
徐翔
张炜
侯高鹏
刘建军
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Beijing Huada Zhibao Electronic System Co Ltd
Original Assignee
Beijing Huada Zhibao Electronic System Co Ltd
Priority date (The priority date 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 date listed.)
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Publication date
Application filed by Beijing Huada Zhibao Electronic System Co Ltd filed Critical Beijing Huada Zhibao Electronic System Co Ltd
Priority to CN201610846785.3A priority Critical patent/CN106384146A/en
Publication of CN106384146A publication Critical patent/CN106384146A/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record 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
    • G06K19/067Record 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
    • G06K19/07Record 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
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/0772Physical layout of the record carrier
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions

Abstract

The invention discloses a financial IC card. The financial IC card includes a card body, a financial IC card chip, a microprocessor, a display screen, a motion sensor and a battery. When a user holds the financial IC card so as to perform air signature, the financial IC card chip analyzes the movement parameter information of the financial IC card so as to determine gesture data in the process of the current air signature, judges whether the gesture data are matched with pre-stored gesture data, generates a two-dimensional code through using user information and a dynamic factor when judging that the gesture data are matched with the pre-stored gesture data, and transmits the two-dimensional code to the microprocessor; and the microprocessor controls the display screen to display the two-dimensional code. The financial IC card disclosed by the invention has a two-dimensional code payment function, the security of the payment of the financial IC card is higher, the use range of the financial IC card is wider, and the operation of the user is simple and convenient. The present invention also discloses a payment system and a payment method.

Description

Financial IC card, payment system and method for payment
Technical field
The invention belongs to electronic technology field, more particularly, to financial IC (Integrated Circuit, integrated circuit) card, Payment system and method for payment.
Background technology
With scientific and technological development, financial industry has issued multiple financial IC cards, to substitute traditional magnetic stripe card.Card user Can conveniently and efficiently be paid using financial IC card, and the safety of payment can be improved with respect to traditional magnetic stripe card Property.
At present, card user is carried out in payment process using financial IC card, first has to swiping card equipment in trade company (as POS Machine) on swipe the card, afterwards swiping card equipment input payment cipher, complete payment process after Signature Confirmation, whole payment process is relatively For complexity.In addition, if if businessman does not configure swiping card equipment, card user just cannot be carried out in this businessman using financial IC card Pay.
Can see, the means of payment of current financial IC card is still more single, how financial IC card be improved, To enrich the means of payment of financial IC card further, it is the technical barrier that those skilled in the art face.
Content of the invention
In view of this, it is an object of the invention to provide a kind of financial IC card, by changing to existing financial IC card Enter, to provide the new financial IC card means of payment.In addition, the present invention also provides a kind of payment system and method for payment.
For achieving the above object, the present invention provides following technical scheme:
The present invention provides a kind of financial IC card, including card major, financial IC card chip, microprocessor, display screen, motion Sensor and battery;
Described financial IC card chip and described display screen are arranged on described card major, the reading of described financial IC card chip Write operation face is exposed to the surface of described card major, and the display interface of described display screen is exposed to the table of described card major Face;
Described microprocessor, described motion sensor and described battery are arranged at the inside of described card major, described electricity Pond is that described financial IC card chip, described microprocessor, described display screen and described motion sensor are powered;
Described motion sensor is used for gathering the moving parameter information of described financial IC card, and by described moving parameter information It is transferred to described microprocessor, described moving parameter information includes acceleration information and angular velocity information;
Described moving parameter information is transferred to described financial IC card chip by described microprocessor;
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips institute State the gesture data that financial IC card carries out in aerial signature process, with the gesture data prestoring whether to determine described gesture data Join, in the case of determining both couplings, generate Quick Response Code using the user profile prestoring and dynamic factor, and by described two dimension Code is transferred to described microprocessor;
Described microprocessor controls described display screen to show described Quick Response Code, and described Quick Response Code is used for receiving side terminal and executes Barcode scanning delivery operation.
Preferably, in above-mentioned financial IC card, described motion sensor includes acceleration transducer and gyroscope, described acceleration Degree sensor and described gyroscope are connected with described microprocessor respectively, and described acceleration transducer is used for gathering described finance IC The acceleration information of card, described gyroscope is used for gathering the angular velocity information of described financial IC card.
Preferably, in above-mentioned financial IC card, described financial IC card chip utilizes preset algorithm to described moving parameter information It is analyzed, determine that user grips the gesture data that described financial IC card carries out in aerial signature process, specially:Described finance IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described financial IC card chip and enters Gesture path in the aerial signature process of row.
Preferably, in above-mentioned financial IC card, described financial IC card chip utilizes preset algorithm to described moving parameter information It is analyzed, determine that user grips the gesture data that described financial IC card carries out in aerial signature process, specially:Described finance IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described financial IC card chip and enters Gesture path in the aerial signature process of row, determines the sequential write data of each stroke in described gesture path, described gesture rail Any one in the writing physical strength data of specific stroke in the writing speed data of specific stroke and described gesture path in mark Or it is multiple.
Preferably, in above-mentioned financial IC card, described financial IC card chip utilizes preset algorithm to described moving parameter information It is analyzed, determine that user grips the gesture data that described financial IC card carries out in aerial signature process, specially:Described finance IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described financial IC card chip and enters Gesture path in the aerial signature process of row, determines the sequential write data of each stroke in described gesture path, described gesture rail The writing physical strength data of specific stroke in the writing speed data of specific stroke and described gesture path in mark.
Preferably, in above-mentioned financial IC card, described financial IC card chip is given birth to using the user profile prestoring and dynamic factor Become Quick Response Code, specially:Described financial IC card chip generates Quick Response Code using the user profile prestoring and the dynamic time factor.
Preferably, in above-mentioned financial IC card, described financial IC card chip is given birth to using the user profile prestoring and dynamic factor Become Quick Response Code, specially:Described financial IC card chip is completed corresponding to number of times using the user profile prestoring and payment events Numerical generation Quick Response Code.
The present invention also provides a kind of payment system, including:Any one financial IC card above-mentioned, receiving side terminal and service Device.
The present invention also provides a kind of method of payment, is applied to above-mentioned payment system, and described method of payment includes:
The microprocessor of described financial IC card obtains the moving parameter information of the motion sensor output of described financial IC card, And described moving parameter information is transferred to the financial IC card chip of described financial IC card;
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips institute State the gesture data that financial IC card carries out in aerial signature process, with the gesture data prestoring whether to determine described gesture data Join, in the case of determining both couplings, generate Quick Response Code using the user profile prestoring and dynamic factor, and by described two dimension Code is transferred to described microprocessor;
Described microprocessor control display screen shows described Quick Response Code;
Described receiving side terminal scans the Quick Response Code that the display screen of described financial IC card shows, described Quick Response Code is known Not, obtain user profile and the dynamic factor that this Quick Response Code comprises, receive the dealing money of trade company's input, generate described in carrying The request of user profile, described dynamic factor and described dealing money, and send described request to server;
The request that described server parsing receives, obtains user profile, dynamic factor and the transaction that described request carries The amount of money, in the case of determining that in current time window, user initiates deduction application, the account for described financial IC card executes button Money operates.
As can be seen here, beneficial effects of the present invention are:
Financial IC card disclosed by the invention, is provided with financial IC card chip, microprocessor, display screen and motion sensor, In addition to having traditional means of payment, when user grips financial IC card and signed in the air, financial IC card chip is to gold The moving parameter information melting IC-card is analyzed, and determines the gesture data in this aerial signature process, and determines this gesture number Whether mate according to the gesture data prestoring, in the case of determining both couplings, generated using user profile and dynamic factor Quick Response Code, Quick Response Code is transmitted to microprocessor, shows this Quick Response Code by microprocessor control display screen, so that receiving side terminal Using the execution barcode scanning delivery operation of this Quick Response Code so that financial IC card disclosed by the invention possesses Quick Response Code payment function.And, Carry out subscriber authentication using the gesture data of aerial signature and there is very high security, therefore, finance disclosed by the invention The payment process of IC-card has very high security.User is in the process being paid using financial IC card disclosed by the invention In it is not necessary to input personal identification number, insert swiping card equipment without by financial IC card, operation is more convenient.
In addition, financial IC card disclosed by the invention utilizes user profile and dynamic factor to generate Quick Response Code, this makes not With payment process in, what financial IC card produced is dynamic Quick Response Code rather than changeless, it can be avoided that Quick Response Code quilt Other people maliciously imitate, thus improving the security of payment.And, financial IC card disclosed by the invention does not need in payment process Using network it is not necessary to worry because not having network to lead to not transaction or the security hidden trouble bringing because of network, therefore using model Enclose more extensive, compared with present mobile-phone payment mode, user only need to grip financial IC card signed in the air just permissible Paid it is not necessary to be executed the operation opening payment software, operating process is simpler.
Brief description
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing Have technology description in required use accompanying drawing be briefly described it should be apparent that, drawings in the following description be only this Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis The accompanying drawing providing obtains other accompanying drawings.
Fig. 1 is a kind of structural representation of financial IC card disclosed by the invention;
Fig. 2 is the schematic diagram of the payment system being built based on financial IC card shown in Fig. 1;
Fig. 3 is the structural representation of another kind financial IC card disclosed by the invention;
Fig. 4 is a kind of schematic diagram of payment system disclosed by the invention.
Specific embodiment
Purpose, technical scheme and advantage for making the embodiment of the present invention are clearer, below in conjunction with the embodiment of the present invention In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described it is clear that described embodiment only It is only a part of embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, ordinary skill The every other embodiment that personnel are obtained under the premise of not making creative work, broadly falls into the scope of protection of the invention.
The present invention provides a kind of financial IC card, by improving to existing financial IC card, to provide new financial IC The card means of payment.
Referring to Fig. 1, Fig. 1 is a kind of structural representation of financial IC card disclosed by the invention.This financial IC card includes card Main body 1, financial IC card chip 2, microprocessor 3, display screen 4, motion sensor 5 and battery 6.
Wherein:
Financial IC card chip 2 is arranged on card major 1, and the read-write operation face of financial IC card chip 2 is exposed to card master The surface of body 1.In enforcement, in financial IC card chip 2, the structure in addition to read-write operation face can embed card in whole or in part Piece main body 1 is it is also possible to be located at the surface of card major 1.
Display screen 4 is arranged on card major 1, and the display interface of display screen 4 is exposed to the surface of card major 1.Implement In, in display screen 4, the structure in addition to display interface can embed card major 1 in whole or in part it is also possible to be located at card The surface of main body 1.
Microprocessor 3, motion sensor 5 and battery 6 are arranged at the inside of card major 1.Battery 6 is financial IC card chip 2nd, microprocessor 3, display screen 4 and motion sensor 5 are powered.As a kind of embodiment, battery 6 respectively with financial IC card chip 2nd, microprocessor 3, display screen 4 and motion sensor 5 electrically connect, and are that each part is powered.As another embodiment, battery 6 It is connected with microprocessor 3, battery 6 is directly powered for microprocessor 3, financial IC card chip 2, display screen 4 and motion sensor 5 Feeder ear is connected with microprocessor 3, and battery 6 is financial IC card chip 2, display screen 4 and motion sensor 5 by microprocessor 3 Power supply, microprocessor 3 carries out power management.
Motion sensor 5 is used for gathering the moving parameter information of financial IC card, and the moving parameter information collecting is passed It is defeated by microprocessor 3, wherein, moving parameter information includes acceleration information and angular velocity information.
Microprocessor 3 obtains the moving parameter information of motion sensor 5 output, and moving parameter information is transferred to finance IC card chip 2.Financial IC card chip 2 is analyzed to moving parameter information using preset algorithm, determines that user grips financial IC Card carries out the gesture data in aerial signature process.Afterwards, financial IC card chip 2 determines this gesture data and the gesture number prestoring According to whether mating, in the case of determining both couplings, generate Quick Response Code using the user profile prestoring and dynamic factor, and will Quick Response Code is transferred to microprocessor 3.Microprocessor 3 control display screen 4 two-dimensional code display.This Quick Response Code is held for receiving side terminal Row barcode scanning delivery operation.Need exist for illustrating, the gesture data in aerial signature process is mated with the gesture data prestoring, Refer to difference between gesture data and the gesture data prestoring in aerial signature process in the range of allowable error.
Wherein, user profile includes but is not limited to name, account information and the card sending mechanism title of holder.
With reference to the payment system shown in Fig. 2, the payment process of financial IC card disclosed by the invention is carried out briefly Bright:
When user needs to carry out delivery operation, grip financial IC card 100 and signed in the air.Motion sensor 5 gathers The moving parameter information of financial IC card 100, and the moving parameter information collecting is transferred to microprocessor 3.Microprocessor 3 obtains Take the moving parameter information of motion sensor 5 output, and moving parameter information is transferred to financial IC card chip 2.
Financial IC card chip 2 is analyzed to the moving parameter information of financial IC card 100 using preset algorithm, determines user Grip financial IC card and carry out the gesture data during aerial gesture signature.In addition, being previously stored with conjunction in financial IC card chip 2 Method user is signed produced gesture data in the air.Financial IC card chip 2 determines this gesture data and the gesture number prestoring According to whether mating, if both couplings are it is determined that pass through subscriber authentication.Determining the situation by subscriber authentication Under, financial IC card chip 2 generates Quick Response Code using the user profile prestoring and dynamic factor, and Quick Response Code is transferred to microprocessor Device 3.After microprocessor 3 receives Quick Response Code, control display screen 4 shows this Quick Response Code.
Receiving side terminal 200 scans the Quick Response Code of display screen 4 display of financial IC card 100, the Quick Response Code that scanning is obtained It is identified, obtains user profile and the dynamic factor that this Quick Response Code comprises, receiving side terminal 200 receives the transaction of trade company's input The amount of money, rear send request to server 300, this request carries aforesaid user profile, dynamic factor and dealing money.
After server 300 receives the request of receiving side terminal 200 transmission, this request is parsed, obtains this request User profile, dynamic factor and the dealing money carrying, afterwards server 300 judge in the range of current time window, whether user sends out Play deduction application if it is determined that user initiates deduction application in current time window, then the account execution being directed to this user is withholdd Operation.
Certainly, the financial IC card shown in Fig. 1 of the present invention is also equipped with the means of payment that existing ordinary financial IC-card has.
1st, swipe the card payment.The swiping card equipment of trade company is swiped the card using contact and the non-mode that connects, user sets swiping the card afterwards Standby input payment cipher, completes to pay after Signature Confirmation.
2nd, online payment.The pre- first to file of user simultaneously opens the electronic bank accounts associating with financial IC card, and user passes through electricity Sub- bank account is paid.
Financial IC card disclosed by the invention, is provided with financial IC card chip, microprocessor, display screen and motion sensor, In addition to having traditional means of payment, when user grips financial IC card and signed in the air, financial IC card chip is to gold The moving parameter information melting IC-card is analyzed, and determines the gesture data in this aerial signature process, and determines this gesture number Whether mate according to the gesture data prestoring, in the case of determining both couplings, generated using user profile and dynamic factor Quick Response Code, Quick Response Code is transmitted to microprocessor, shows this Quick Response Code by microprocessor control display screen, so that receiving side terminal Using the execution barcode scanning delivery operation of this Quick Response Code so that financial IC card disclosed by the invention possesses Quick Response Code payment function.And, Carry out subscriber authentication using the gesture data of aerial signature and there is very high security, therefore, finance disclosed by the invention The payment process of IC-card has very high security.User is in the process being paid using financial IC card disclosed by the invention In it is not necessary to input personal identification number, insert swiping card equipment without by financial IC card, operation is more convenient.
In addition, financial IC card disclosed by the invention utilizes user profile and dynamic factor to generate Quick Response Code, this makes not With payment process in, what financial IC card produced is dynamic Quick Response Code rather than changeless, it can be avoided that Quick Response Code quilt Other people maliciously imitate, thus improving the security of payment.And, financial IC card disclosed by the invention does not need in payment process Using network it is not necessary to worry because not having network to lead to not transaction or the security hidden trouble bringing because of network, therefore using model Enclose more extensive, compared with present mobile-phone payment mode, user only need to grip financial IC card signed in the air just permissible Paid it is not necessary to be executed the operation opening payment software, operating process is simpler.
As an example, in present invention financial IC card disclosed above, motion sensor 5 includes acceleration transducer 51 and gyroscope 52, as shown in Figure 3.Wherein, acceleration transducer 51 is used for detecting the acceleration information of financial IC card, gyroscope 52 are used for detecting the angular velocity information of financial IC card.Acceleration transducer 51 and gyroscope 52 are connected with microprocessor 3 respectively, by Battery 6 is acceleration transducer 51 and gyroscope 52 is powered.
In present invention financial IC card disclosed above, as an example, financial IC card chip 2 utilizes preset algorithm pair The moving parameter information of motion sensor collection is analyzed, and determines that user grips financial IC card and carries out in aerial signature process Gesture data, including:Financial IC card chip 2 is analyzed to moving parameter information using preset algorithm, determines that user grips gold Melt IC card chip and carry out the gesture path in aerial signature process.
Accordingly, financial IC card chip 2 determines the gesture data in this aerial signature process and the gesture data prestoring Whether mate, specially:Financial IC card chip 2 determines gesture path and the gesture data prestoring in this aerial signature process In gesture path whether mate, if it does, then determine pass through subscriber authentication.
In the above-mentioned example of the present invention, the gesture path being carried out using user in aerial signature process carries out user identity Checking, passes through PIN (personal identification number, personal identification number) or fingerprint with existing financial IC card The scheme carrying out subscriber authentication is compared, and the fingerprint due to PIN and user is easily stolen by other people, and the aerial signature of user It is difficult to be imitated by other people, financial IC card therefore disclosed by the invention can effectively improve the security of payment process.
In present invention financial IC card disclosed above, as another example, financial IC card chip 2 utilizes preset algorithm The moving parameter information of motion sensor collection is analyzed, determines that user grips financial IC card and carries out in aerial signature process Gesture data, including:Financial IC card chip is analyzed to moving parameter information using preset algorithm, determines that user grips gold Melt the gesture path that IC card chip carries out in aerial signature process, determine each stroke in this gesture path sequential write data, Appointing in the writing physical strength data of specific stroke in the writing speed data of specific stroke and this gesture path in this gesture path Meaning is one or more.
Accordingly, financial IC card chip 2 determines the gesture data in this aerial signature process and the gesture data prestoring Whether mate, specially:Financial IC card chip 2 determines gesture path and the gesture data prestoring in this aerial signature process In gesture path whether mate, each stroke in the gesture path that financial IC card chip 2 determines in this aerial signature process In the writing physical strength data of sequential write data, the writing speed data of specific stroke and specific stroke any one or many Individual, whether mate with corresponding data in the gesture data prestoring, in the case that aforementioned data is all mated, determine and pass through user Authentication.
There are a lot of differences in the writing style writing same character process in different people, for example:Different people is writing During same Chinese character or character, in this Chinese character or character, the sequential write of each stroke is probably different;Different people exists During writing same Chinese character or character, in this Chinese character or character the writing speed of each stroke and writing physical strength generally have larger Difference.Each in the sequential write of each stroke in gesture path during user's signature, and this gesture path, this gesture path In the writing speed of stroke and this gesture path, the writing physical strength of each stroke almost cannot be imitated by other people.Therefore, in the present invention In above-mentioned example, carry out writing of each stroke in the gesture path in aerial signature process, and this gesture path using user The writing speed number of specific stroke in the writing speed data of specific stroke and this gesture path in alphabetic data, this gesture path According to one or more of carry out subscriber authentication, the security of payment can be greatly enhanced.
It should be noted that the writing speed data of specific stroke refers in gesture path:Whole strokes in gesture path Or the writing speed data of previously selected some stroke.In gesture path, the writing physical strength data of specific stroke refers to:Hand The writing physical strength data of whole strokes or previously selected some stroke in gesture track.
As a kind of embodiment, financial IC card chip 2 is analyzed to moving parameter information using preset algorithm, determines User grips the sequential write of each stroke in gesture path and the gesture path that financial IC card chip carries out in aerial signature process Data.Accordingly, financial IC card chip 2 determines whether are gesture data and the gesture data prestoring in this aerial signature process Coupling, specially:Financial IC card chip 2 determines in gesture path and the gesture data prestoring in this aerial signature process Whether gesture path mates, and in the gesture path in financial IC card chip 2 this aerial signature process of determination, each stroke writes Whether alphabetic data is mated with the sequential write data of each stroke in the gesture path in the gesture data prestoring, in aforementioned data In the case of all mating, determine and pass through subscriber authentication.
As another embodiment, financial IC card chip is analyzed to moving parameter information using preset algorithm, really Determine user and grip the writing of specific stroke in gesture path and the gesture path that financial IC card chip carries out in aerial signature process Speed data.Accordingly, financial IC card chip 2 determines the gesture data in this aerial signature process and the gesture data prestoring Whether mate, specially:Financial IC card chip 2 determines gesture path and the gesture data prestoring in this aerial signature process In gesture path whether mate, financial IC card chip 2 determine this aerial signature process in gesture path in specific stroke Writing speed data whether mate with the writing speed data of specific stroke in the gesture path in the gesture data prestoring, In the case that aforementioned data is all mated, determine and pass through subscriber authentication.
As another embodiment, financial IC card chip is analyzed to moving parameter information using preset algorithm, really Determine user and grip the writing of specific stroke in gesture path and the gesture path that financial IC card chip carries out in aerial signature process Dynamics data.Accordingly, financial IC card chip 2 determines the gesture data in this aerial signature process and the gesture data prestoring Whether mate, specially:Financial IC card chip 2 determines gesture path and the gesture data prestoring in this aerial signature process In gesture path whether mate, financial IC card chip 2 determine this aerial signature process in gesture path in specific stroke Writing physical strength data whether mate with the writing physical strength data of specific stroke in the gesture path in the gesture data prestoring, In the case that aforementioned data is all mated, determine and pass through subscriber authentication.
As a kind of preferred embodiment, financial IC card chip is analyzed to moving parameter information using preset algorithm, Determine user grip the gesture path that financial IC card carries out in aerial signature process, in this gesture path each stroke sequential write The writing physical strength data of specific stroke in the writing speed data of specific stroke and this gesture path in data, this gesture path.
Accordingly, financial IC card chip 2 determines the gesture data in this aerial signature process and the gesture data prestoring Whether mate, specially:Financial IC card chip 2 determines gesture path and the gesture data prestoring in this aerial signature process In gesture path whether mate, each stroke in the gesture path that financial IC card chip 2 determines in this aerial signature process Whether sequential write data is mated with the sequential write data of each stroke in the gesture data prestoring, and financial IC card chip 2 determines Gesture in the writing speed data of specific stroke and the gesture data prestoring in gesture path in this aerial signature process In track, whether the writing speed data of specific stroke mates, and financial IC card chip 2 determines the hand in this aerial signature process In gesture path in the writing physical strength data of specific stroke and the gesture data prestoring in gesture track, specific stroke writes power Whether degrees of data mates, and in the case that aforementioned data is all mated, determines and passes through subscriber authentication.
Based on present invention preferred embodiment disclosed above, the aerial signature that other people imitate financial IC card user passes through to use The probability of family authentication is similar to 0, can farthest improve the security of financial IC card payment process.
As an example, in the present invention each financial IC card disclosed above, dynamic factor can be the time, also It is to say that this dynamic factor is the dynamic time factor.It is, financial IC card chip 2 is using the user profile prestoring and dynamic factor Generate Quick Response Code, specially:Financial IC card chip 2 generates Quick Response Code using the user profile prestoring and the dynamic time factor.
As another example, in the present invention each financial IC card disclosed above, payment events are completed number of times pair The numerical value answered is as dynamic factor.It is, financial IC card chip 2 generates two dimension using the user profile prestoring and dynamic factor Code, specially:Financial IC card chip 2 completes the numerical generation two corresponding to number of times using the user profile prestoring and payment events Dimension code.
After user gets financial IC card, financial IC card is also paid, and therefore payment events complete number of times and are 0, complete afterwards once to pay, just payment events are completed number of times and add 1.Financial IC card chip 2 server in financial IC card In all preserve payment events and complete number of times and the mapping table of corresponding numerical value, as shown in table 1.
Table 1
Financial IC card chip 2 is determining after subscriber authentication, determines that the payment events of financial IC card complete number of times, Search corresponding numerical value in the mapping table preserving, using user profile and the numerical generation Quick Response Code finding.
The Quick Response Code of display screen 4 display to financial IC card for the receiving side terminal is scanned, the Quick Response Code that scanning is obtained It is identified, obtains user profile and the numerical value that this Quick Response Code comprises, receiving side terminal is inputted in the machine using trade company afterwards Dealing money and aforesaid user profile and numerical generation request, and send this request to server.
Server, after the request receiving receiving side terminal transmission, parses to this request, obtains this request and carry User profile, dealing money and numerical value.Server determines that the payment events of this financial IC card complete number of times, pre-save Corresponding numerical value is searched in mapping table.Whether the numerical value that server comparison parsing obtains is consistent with the numerical value finding, such as Unanimously it is determined that user initiates deduction application in current time window, the account for this user executes operation of withholing to fruit.
In the present invention each financial IC card disclosed above, display screen 4 preferably employs electronic-paper display screen.
Electronic-paper display screen is a kind of ultra-thin, ultralight display screen, and it has following characteristics:
Very power saving when the 1st, using, even if in the event of a power failure it is also possible to keep display for a long time.
2nd, content is rewritable.Arbitrarily word or image can be written over, update.
3rd, it is suitable for naked eyes to read.Because contrast is higher, so word, image clearly, and no matter in terms of which direction All it is not changed in, reading comfort.
4th, portability.Because film weight is light, it is convenient for carrying, can appropriateness fold, curling.
Because electronic-paper display screen has the advantage of power saving, therefore can greatly increase the use time of battery, extend gold Melt the useful life of IC-card.
In addition, in the present invention each financial IC card disclosed above, battery 6 preferably employs flexible battery.
Invention additionally discloses a kind of payment system, including the present invention any one financial IC card 100 disclosed above, receive Square terminal 200 server 300, its structure is as shown in Figure 4.
Wherein, receiving side terminal 200 scans the Quick Response Code that the display screen of financial IC card 100 shows, this Quick Response Code is carried out Identification, obtains user profile and the dynamic factor that this Quick Response Code comprises, and receiving side terminal 200 receives the trade gold of trade company's input Volume, generates the request carrying user profile, dynamic factor and dealing money, and sends this request to server 300.
The request that server 300 parsing receives, obtains user profile, dynamic factor and the trade gold that this request carries Volume, in the case of determining that in current time window, user initiates deduction application, the account for financial IC card 100 executes the behaviour that withholds Make.
In being embodied as, receiving side terminal 200 can be using the mobile terminal being provided with barcode scanning software, such as mobile phone and flat board Computer, it would however also be possible to employ the swiping card equipment such as POS with barcode scanning function that bank provides.
Below the method for payment being applied to above-mentioned payment system is illustrated.
The microprocessor 3 of financial IC card 100 obtains the moving parameter information of motion sensor 5 output of financial IC card, and Moving parameter information is transferred to the financial IC card chip 2 of financial IC card 100.Financial IC card chip 2 utilizes preset algorithm to dock The moving parameter information receiving is analyzed, and determines that user grips financial IC card 100 and carries out the gesture number in aerial signature process According to, determine this gesture data and whether mate with the gesture data prestoring, determine both coupling in the case of, using the use prestoring Family information and dynamic factor generate Quick Response Code, and Quick Response Code is transferred to microprocessor 3.Microprocessor 3 control display screen 4 shows Quick Response Code.
Receiving side terminal 200 scans the Quick Response Code that the display screen of financial IC card 100 shows, Quick Response Code is identified, obtains Take this Quick Response Code to comprise user profile and dynamic factor, and receive the dealing money of trade company's input, generate carry user profile, Dynamic factor and the request of dealing money, and send this request to server 300.
After server 300 receives the request of receiving side terminal 200 transmission, parse the request receiving, obtain request and take The user profile of band, dynamic factor and dealing money, in the case of determining that in current time window, user initiates deduction application, pin Operation of withholing is executed to the account of financial IC card 100.
It should be noted that financial IC card, the processing procedure of receiving side terminal server may refer in payment system Associated description previously for the embodiment part of financial IC card.
In this specification, each embodiment is described by the way of going forward one by one, and what each embodiment stressed is and other The difference of embodiment, between each embodiment identical similar portion mutually referring to.
Described above to the disclosed embodiments, makes professional and technical personnel in the field be capable of or uses the present invention. Multiple modifications to these embodiments will be apparent from for those skilled in the art, as defined herein General Principle can be realized without departing from the spirit or scope of the present invention in other embodiments.Therefore, the present invention It is not intended to be limited to the embodiments shown herein, and be to fit to and principles disclosed herein and features of novelty phase one The scope the widest causing.

Claims (9)

1. a kind of financial IC card is it is characterised in that include card major, financial IC card chip, microprocessor, display screen, motion Sensor and battery;
Described financial IC card chip and described display screen are arranged on described card major, the read-write behaviour of described financial IC card chip It is exposed to the surface of described card major as face, the display interface of described display screen is exposed to the surface of described card major;
Described microprocessor, described motion sensor and described battery are arranged at the inside of described card major, and described battery is Described financial IC card chip, described microprocessor, described display screen and described motion sensor are powered;
Described motion sensor is used for gathering the moving parameter information of described financial IC card, and described moving parameter information is transmitted To described microprocessor, described moving parameter information includes acceleration information and angular velocity information;
Described moving parameter information is transferred to described financial IC card chip by described microprocessor;
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described gold Melt the gesture data that IC-card carries out in aerial signature process, determine described gesture data and whether mate with the gesture data prestoring, In the case of determining both couplings, generate Quick Response Code using the user profile prestoring and dynamic factor, and by described Quick Response Code It is transferred to described microprocessor;
Described microprocessor controls described display screen to show described Quick Response Code, and described Quick Response Code is used for receiving side terminal and executes barcode scanning Delivery operation.
2. financial IC card according to claim 1 it is characterised in that described motion sensor include acceleration transducer and Gyroscope, described acceleration transducer and described gyroscope are connected with described microprocessor respectively, and described acceleration transducer is used In the acceleration information gathering described financial IC card, described gyroscope is used for gathering the angular velocity information of described financial IC card.
3. financial IC card according to claim 1 and 2 is it is characterised in that described financial IC card chip utilizes preset algorithm Described moving parameter information is analyzed, determines that user grips described financial IC card and carries out the gesture number in aerial signature process According to specially:
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described gold Melt IC card chip and carry out the gesture path in aerial signature process.
4. financial IC card according to claim 1 and 2 is it is characterised in that described financial IC card chip utilizes preset algorithm Described moving parameter information is analyzed, determines that user grips described financial IC card and carries out the gesture number in aerial signature process According to specially:
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described gold Melt the gesture path that IC card chip carries out in aerial signature process, determine the sequential write number of each stroke in described gesture path According to the writing speed data of specific stroke in, described gesture path and the writing physical strength data of specific stroke in described gesture path In any one or more.
5. financial IC card according to claim 1 and 2 is it is characterised in that described financial IC card chip utilizes preset algorithm Described moving parameter information is analyzed, determines that user grips described financial IC card and carries out the gesture number in aerial signature process According to specially:
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described gold Melt the gesture path that IC card chip carries out in aerial signature process, determine the sequential write number of each stroke in described gesture path According to the writing speed data of specific stroke in, described gesture path and the writing physical strength number of specific stroke in described gesture path According to.
6. financial IC card according to claim 1 is it is characterised in that described financial IC card chip is using the user's letter prestoring Breath and dynamic factor generate Quick Response Code, specially:
Described financial IC card chip generates Quick Response Code using the user profile prestoring and the dynamic time factor.
7. financial IC card according to claim 1 is it is characterised in that described financial IC card chip is using the user's letter prestoring Breath and dynamic factor generate Quick Response Code, specially:
Described financial IC card chip completes the numerical generation two dimension corresponding to number of times using the user profile prestoring and payment events Code.
8. a kind of payment system is it is characterised in that include:Financial IC card as any one of claim 1 to 7, reception Square terminal server.
9. a kind of method of payment is it is characterised in that be applied to payment system as claimed in claim 8, described method of payment bag Include:
The microprocessor of described financial IC card obtains the moving parameter information of the motion sensor output of described financial IC card, and will Described moving parameter information is transferred to the financial IC card chip of described financial IC card;
Described financial IC card chip is analyzed to described moving parameter information using preset algorithm, determines that user grips described gold Melt the gesture data that IC-card carries out in aerial signature process, determine described gesture data and whether mate with the gesture data prestoring, In the case of determining both couplings, generate Quick Response Code using the user profile prestoring and dynamic factor, and by described Quick Response Code It is transferred to described microprocessor;
Described microprocessor control display screen shows described Quick Response Code;
Described receiving side terminal scans the Quick Response Code that the display screen of described financial IC card shows, described Quick Response Code is identified, Obtain user profile and the dynamic factor that this Quick Response Code comprises, receive the dealing money of trade company's input, generate and carry described use The request of family information, described dynamic factor and described dealing money, and send described request to server;
The request that described server parsing receives, obtains user profile, dynamic factor and the dealing money that described request carries, In the case of determining that in current time window, user initiates deduction application, the account for described financial IC card executes the behaviour that withholds Make.
CN201610846785.3A 2016-09-23 2016-09-23 Financial IC card, payment system and payment method Pending CN106384146A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107220691A (en) * 2017-06-15 2017-09-29 北京大学 A kind of method and system of the expansible information code of the space-time of software definition
WO2020073412A1 (en) * 2018-10-09 2020-04-16 深圳市融智联科技有限公司 Electronic payment card supporting scan-to-pay technology
CN113572896A (en) * 2021-06-23 2021-10-29 荣耀终端有限公司 Two-dimensional code display method based on user behavior model and related equipment
CN114415991A (en) * 2022-03-30 2022-04-29 北京高德品创科技有限公司 File processing method and device, electronic equipment and storage medium

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107220691A (en) * 2017-06-15 2017-09-29 北京大学 A kind of method and system of the expansible information code of the space-time of software definition
CN107220691B (en) * 2017-06-15 2020-09-08 北京大学 Method and system for software-defined space-time extensible information code
WO2020073412A1 (en) * 2018-10-09 2020-04-16 深圳市融智联科技有限公司 Electronic payment card supporting scan-to-pay technology
CN113572896A (en) * 2021-06-23 2021-10-29 荣耀终端有限公司 Two-dimensional code display method based on user behavior model and related equipment
CN114415991A (en) * 2022-03-30 2022-04-29 北京高德品创科技有限公司 File processing method and device, electronic equipment and storage medium
CN114415991B (en) * 2022-03-30 2022-06-21 北京高德品创科技有限公司 File processing method and device, electronic equipment and storage medium

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