CN106846664A - A kind of financial IC card circle deposits circle and puies forward test system - Google Patents
A kind of financial IC card circle deposits circle and puies forward test system Download PDFInfo
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- CN106846664A CN106846664A CN201611231571.1A CN201611231571A CN106846664A CN 106846664 A CN106846664 A CN 106846664A CN 201611231571 A CN201611231571 A CN 201611231571A CN 106846664 A CN106846664 A CN 106846664A
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- Prior art keywords
- circle
- card
- financial
- deposits
- terminals
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
A kind of financial IC card circle of present invention offer deposits circle and puies forward test system, including：Identifying device carries out next step, the end operation if recognition failures according to default protocol identification financial IC card if recognizing successfully；Financial IC card is electrically connected with PC terminals by identifying device, and external authentication and internal authentication, and PIN certifications are carried out between terminal and financial IC card, and next step is carried out if certification success, the end operation if authentification failure, and sends prompt message to PC terminals；Root carries out circle and deposits or enclose to carry in user instruction, if circle is deposited, carry out circle and deposit initialization operation, initialize failure then end operation, if initializing successfully, then show that circle deposits initialization data information, verify MAC1 values again and carry out circle and deposit after calculating the MAC2 values needed for circle is deposited, error message to PC terminals is returned if circle deposits failure, if enclose be saved as work(if the amount of money in financial IC card is accordingly deducted according to MAC2 values after end operation.The system that the present invention is provided can simultaneously provide various test function selections.
Description
Technical field
The present invention relates to a kind of test system, particularly relate to a kind of financial IC card circle and deposit circle to put forward test system.
Background technology
Financial IC card is a kind of emerging smart card, is widely used in the financial services such as quick financial settlement, payment, certification
In field.Financial IC card has integrates bank, the container characteristics using supplier, trade company and ERM, can be more just
Profit provides service for holder.In this context, it is ensured that the security of financial IC card, reliability and robustness are pushed away as it
To market and the necessary condition that gets the nod.
In electronic bankbook application function, most prominent function is exactly that circle is deposited and proposes operation.Circle deposit be by consumer usually
Claimed from bank account cash be placed in pocket carry out consume payment mode become that the money in consumer bank's account is straight
Adapter ring is deposited (be stored in) on IC-card, and consumer just exempts and carries cash small change, loss, counterfeit money, the risk robbed.It refers to hold that circle is carried
People can draw the part or all of fund in electronic bankbook and return to it in the respective account of bank.This transaction must be in gold
Melt in terminal it is online carry out and require submit to personal identification number (PIN).Only electronic bankbook application supports that circle is submitted to easily.In science skill
Under the developing rapidly of art, the function of financial IC card electronic bankbook application also has a renewal, and present circle deposits, enclose that to put forward function be main
Research direction.
And at present at home, according to the PBOC industry standard specifications that Bank of China issues, function when electronic bankbook is designed
A lot, traditional test mode is that in a R ＆ D of complex, the One function for every realization is detected to single
Individual function is detected, it is impossible to which the test of enough systematizations is entirely applied.So the statement of account one, the efficiency that operates is very low.
The content of the invention
The present invention proposes that a kind of a kind of financial IC card circle that can simultaneously provide various test function selections deposits circle and carries test system
System.
The technical proposal of the invention is realized in this way：
A kind of financial IC card circle deposits circle and puies forward test system, including：
Identifying device carries out next step according to default protocol identification financial IC card if recognizing successfully, if identification
Fail then end operation, and sends prompt message to PC terminals；
Financial IC card is electrically connected with PC terminals by identifying device, and external authentication and interior is carried out between terminal and financial IC card
Portion's certification, and PIN certifications, next step is carried out if certification success, the end operation if authentification failure, and sends prompting letter
Cease to PC terminals；
Root carries out circle and deposits or enclose to carry in user instruction, if circle is deposited, carries out circle and deposits initialization operation, and initialization failure is then
End operation, returns to error message to PC terminals, if initializing successfully, display circle deposits initialization data information, then verifies
Circle is carried out after the MAC2 values that MAC1 values and calculating are enclosed needed for depositing to deposit, error message to PC terminals is returned if circle deposits failure, if circle
It is saved as end operation after work(is then accordingly deducted according to MAC2 values to the amount of money in financial IC card；
If circle is carried, carry out circle and carry initialization operation, initialize failure then end operation, return to error message to PC ends
End；If initializing successfully, display circle puies forward initialization data information, then verify MAC1 values and calculate circle carry required MAC2,
Circle being carried out after MAC3 values to carry, error message to PC terminals being returned if circle proposes failure, MAC3 values and root are verified if circle deduction work(
According to MAC2 values to remaining sum is shifted from electronic bankbook to financial IC card after end operation.
A kind of financial IC card circle that the present invention is provided deposits circle and puies forward test system, by being verified to financial IC card after root again
Carry or enclose according to user instruction selection circle and deposit, qualified and test is checked in its inspection that systematization is carried out by the selection of multiple windows
Pass through, therefore it is directed to different functions and can be tested by same system, its is in hgher efficiency, and cost is lower, also may be used
To further expand according to demand.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, without having to pay creative labor, may be used also
Other accompanying drawings are obtained with according to these accompanying drawings.
Fig. 1 is the mode of checking MAC1 when present invention circle deposits operation.
Fig. 2 is the mode of generation MAC2 when present invention circle deposits operation
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than whole embodiments.It is based on
Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made
Embodiment, belongs to the scope of protection of the invention.
Fig. 1 is referred to, a kind of financial IC card circle deposits circle and puies forward test system, including：
Identifying device carries out next step according to default protocol identification financial IC card if recognizing successfully, if identification
Fail then end operation, and sends prompt message to PC terminals；(step 1)
Financial IC card is electrically connected with PC terminals by identifying device, and external authentication and interior is carried out between terminal and financial IC card
Portion's certification, and PIN certifications, next step is carried out if certification success, the end operation if authentification failure, and sends prompting letter
Cease to PC terminals；(step 2)
Root carries out circle and deposits or enclose to carry in user instruction, if circle is deposited, carries out circle and deposits initialization operation, and initialization failure is then
End operation, returns to error message to PC terminals, if initializing successfully, display circle deposits initialization data information, then verifies
Circle is carried out after the MAC2 values that MAC1 values and calculating are enclosed needed for depositing to deposit, error message to PC terminals is returned if circle deposits failure, if circle
It is saved as end operation after work(is then accordingly deducted according to MAC2 values to the amount of money in financial IC card；(step 3)
If circle is carried, carry out circle and carry initialization operation, initialize failure then end operation, return to error message to PC ends
End；If initializing successfully, display circle puies forward initialization data information, then verify MAC1 values and calculate circle carry required MAC2,
Circle being carried out after MAC3 values to carry, error message to PC terminals being returned if circle proposes failure, MAC3 values and root are verified if circle deduction work(
According to MAC2 values to remaining sum is shifted from electronic bankbook to financial IC card after end operation.(step 4)
Preferably, the identifying device is card reader.
The present embodiment is by taking card reader as an example, and a user instruction saves as example for circle, and first, card reader is according to default agreement
Identification financial IC card, next step is carried out if recognizing successfully, the end operation if recognition failures, and sends prompt message extremely
PC terminals；Financial IC card is electrically connected with PC terminals by card reader, and external authentication and inside are carried out between terminal and financial IC card
Certification, and PIN certifications, its external authentication process are as follows：
External authentication produces random number using financial IC card, and outside is calculated the data using key devices.
External authentication is the process of financial IC card certification terminal legality, and detailed process is as follows：
1. card reader sends and takes random number order to CPU card；
2.CPU cards produce a 8 byte random numbers to be passed back to card reader；
3. card reader utilizes cipher key calculation random number, obtains 8 byte random number ciphertexts；
4. 8 byte random numbers are transmitted to CPU card by card reader by external authentication order；
5.CPU is stuck in 8 byte random numbers of financial IC card inside decryption and obtains random number plain text；
6.CPU is stuck in inside financial IC card and the random number of interim storage in the random number and step 1 after decryption is compared, if
It is equal, then external authentication success.
The random number and the key of itself storage that its internal authentication is sent using terminal device carry out data authentication, and inside is recognized
Card is the process of terminal authentication financial IC card card legitimacy, and detailed process is as follows：
1. terminal produces a 8 byte random numbers to be transmitted to CPU card；
2.CPU cards internal authentication cipher key calculation random number, obtains the random ciphertext of 8 bytes, and be passed back to terminal；
3. terminal is decrypted 8 byte random number ciphertexts, obtains random number plain text；
4. the random number obtained in the random number after decryption and step 1 is contrasted, if equal, internal authentication into
Work(.
PIN PINs are one group of passwords for verifying holder's identity, are stored on card and are held the person for inspection
The legitimacy of part, basic financial IC card can all have, and PIN certifications are reached by card transmission PIN certification requests and input PIN
To the purpose of checking PIN.Detailed process is as follows：
1. holder is input into PIN in the safety keyboard of card reader；
2. PIN check commands are sent to financial IC card piece to ask；
3. financial IC card piece checking PIN and returning result.
Next step is carried out if certification success, the end operation if authentification failure, and send prompt message to PC ends
End；Root carries out circle and deposits in user instruction, starts circle and deposits initialization operation, initializes failure then end operation, returns to error message
To PC terminals, if initializing successfully, display circle deposits initialization data information, then verifies MAC1 values and calculate needed for circle is deposited
Circle is carried out after MAC2 values to deposit, error message to PC terminals is returned if circle deposits failure, according to MAC2 values to gold if circle is saved as work(
Melt end operation after the amount of money is accordingly deducted in IC-card.
If user instruction is carried for circle, when user instruction is proposed, optional circle carries window, and the operation that its cocycle is deposited slightly has
Difference, after being mainly shown as that circle carries initialization operation, initialization failure then end operation returns to error message to PC terminals；
If initializing successfully, display circle puies forward initialization data information, then verifies MAC1 values and calculate MAC2, MAC3 value needed for circle puies forward
After carry out circle and carry, return to error message to PC terminals if circle proposes failure, verify MAC3 values and according to MAC2 if circle deduction work(
End operation after being worth to remaining sum is shifted from electronic bankbook to financial IC card.
A kind of financial IC card circle that the present invention is provided deposits circle and puies forward test system, by being verified to financial IC card after root again
Carry or enclose according to user instruction selection circle and deposit, qualified and test is checked in its inspection that systematization is carried out by the selection of multiple windows
Pass through, therefore it is directed to different functions and can be tested by same system, its is in hgher efficiency, and cost is lower, also may be used
To further expand according to demand.
Presently preferred embodiments of the present invention is the foregoing is only, is not intended to limit the invention, it is all in essence of the invention
Within god and principle, any modification, equivalent substitution and improvements made etc. should be included within the scope of the present invention.
Claims (2)
1. a kind of financial IC card circle deposits circle and puies forward test system, it is characterised in that including：
Identifying device carries out next step, if recognition failures according to default protocol identification financial IC card if recognizing successfully
Then end operation, and send prompt message to PC terminals；
Financial IC card is electrically connected with PC terminals by identifying device, carries out external authentication between terminal and financial IC card and inside is recognized
Card, and PIN certifications, next step is carried out if certification success, the end operation if authentification failure, and sends prompt message extremely
PC terminals；
Root carries out circle and deposits or enclose to carry in user instruction, if circle is deposited, carries out circle and deposits initialization operation, and initialization failure then terminates
Operation, returns to error message to PC terminals, if initializing successfully, display circle deposits initialization data information, then verifies MAC1 values
And carry out circle and deposit after the MAC2 values for calculating needed for circle is deposited, error message to PC terminals is returned to if circle deposits failure, if enclose being saved as work(
End operation after then accordingly being deducted to the amount of money in financial IC card according to MAC2 values；
If circle is carried, carry out circle and carry initialization operation, initialize failure then end operation, return to error message to PC terminals；If
Initialize successfully, then show that circle puies forward initialization data information, then after verifying MAC1 values and calculating MAC2, MAC3 value needed for circle puies forward
Carry out circle to carry, error message to PC terminals is returned if circle proposes failure, MAC3 values are verified and according to MAC2 values if circle deduction work(
End operation after to remaining sum is shifted from electronic bankbook to financial IC card.
2. a kind of financial IC card circle as claimed in claim 1 deposits circle and puies forward test system, it is characterised in that the identifying device is
Card reader.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611231571.1A CN106846664A (en) | 2016-12-28 | 2016-12-28 | A kind of financial IC card circle deposits circle and puies forward test system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201611231571.1A CN106846664A (en) | 2016-12-28 | 2016-12-28 | A kind of financial IC card circle deposits circle and puies forward test system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106846664A true CN106846664A (en) | 2017-06-13 |
Family
ID=59115330
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201611231571.1A Pending CN106846664A (en) | 2016-12-28 | 2016-12-28 | A kind of financial IC card circle deposits circle and puies forward test system |
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| CN101201956A (en) * | 2007-12-25 | 2008-06-18 | 侯万春 | Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof |
| CN101639957A (en) * | 2009-05-26 | 2010-02-03 | 深圳市安捷信联科技有限公司 | Method and terminal for realizing loading or unloading as well as banking system |
| CN104392561A (en) * | 2014-11-28 | 2015-03-04 | 张文 | Pre-input account bank card, information input device and using methods thereof |
| CN104917614A (en) * | 2015-04-21 | 2015-09-16 | 中国建设银行股份有限公司 | Bidirectional verification method and device of intelligent card and acceptance terminal |
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2016
- 2016-12-28 CN CN201611231571.1A patent/CN106846664A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2002024912A (en) * | 2000-07-12 | 2002-01-25 | Oki Electric Ind Co Ltd | Method of executing script at automated transaction device |
| US20030149664A1 (en) * | 2002-02-06 | 2003-08-07 | Fujitsu Limited | Settlement system |
| CN101201956A (en) * | 2007-12-25 | 2008-06-18 | 侯万春 | Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof |
| CN101639957A (en) * | 2009-05-26 | 2010-02-03 | 深圳市安捷信联科技有限公司 | Method and terminal for realizing loading or unloading as well as banking system |
| CN104392561A (en) * | 2014-11-28 | 2015-03-04 | 张文 | Pre-input account bank card, information input device and using methods thereof |
| CN104917614A (en) * | 2015-04-21 | 2015-09-16 | 中国建设银行股份有限公司 | Bidirectional verification method and device of intelligent card and acceptance terminal |
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| 梁晋等: "基于中国金融IC卡圈提业务的SET支付研究", 《西安电子科技大学学报》 * |
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Application publication date: 20170613 |