CN106971127A - A kind of bank card and bank's card identification method and system - Google Patents
A kind of bank card and bank's card identification method and system Download PDFInfo
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- CN106971127A CN106971127A CN201710329449.6A CN201710329449A CN106971127A CN 106971127 A CN106971127 A CN 106971127A CN 201710329449 A CN201710329449 A CN 201710329449A CN 106971127 A CN106971127 A CN 106971127A
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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
- G06K19/072—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 the record carrier comprising a plurality of integrated circuit chips
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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
- G06K19/0723—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 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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Abstract
This application discloses a kind of bank card and bank's card identification method and system, the bank card includes card body and the magnetic stripe being arranged on card body and financial chip, in addition, radio read-write chip is additionally provided with card body, the radio read-write chip is used for the electronic tag data for storing the client for holding the bank card, and electronic tag data can typically include the customer information and accounts information of client.For traditional bank card, because the bank card in the application is provided with the radio read-write chip for the customer information that is stored with, as long as bank sets radio read-write equipment to obtain the customer information at the beginning of client enters in place of business, targetedly arranged so as to be made in advance according to customer information, so as to the help needed for arranging it for client, so as to improve the service experience of client.
Description
Technical field
The application is related to bank technology field, more specifically to a kind of bank card and bank's card identification method and
System.
Background technology
Bank card (Bank Card) is from the financial institutions such as business bank and postal deposit and remittance mechanism having to society's distribution
The credit payment instrument of all or part of functions such as consumer credit, the transfer and settlement of accounts, access cash.Bank card includes credit card and borrowed
Two kinds of note card.It is made because various bank cards are all plastics, withdrawal and payment by the transfer of account is used for again, so also referred to as " modeling
Glassware coin ".The size of bank card is generally 85.60 × 53.98mm (3.370 × 2.125 inches), also there is smaller than generic card by 43%
Mini-card and special-shaped card in irregular shape.
Since the seventies in last century, due to developing rapidly for science and technology, the particularly utilization of electronic computer makes silver
The use scope of row card constantly expands, and not only reduces the circulation of cash and check, and when making banking due to breaching
Between and space limitation and there occurs essence change.The utilization of bank card Automated Clearing House system, making one, " no check, nothing are existing
The arrival of golden society " will become a reality soon.
For at present, the magnetic stripe of be stored with personal information and accounts information is provided only with general bank card, but due to
The characteristics of magnetic stripe is intrinsic and be easily replicated so that cause because of information leakage client occur economic loss；In view of this, part
Bank starts setting up the chip similar to SIM card on new bank card, to improve the security of bank card.But above-mentioned silver
Row card is only capable of reading relevant information for the teller in window, and further just can know that by inquiry the service needed for client, but
Client enters the place of business of bank already before being exchanged with teller, typically can just sit on window by prolonged wait
Before mouthful, bank can not typically know the service needed for client within this very long time, so that can not be according to needed for client
Service and provide help for client, cause the service experience of client poor.
The content of the invention
In view of this, this application provides a kind of bank card and bank's card identification method and system, for storing and certainly
The relevant information of dynamic identification client, enables bank to be provided according to the information for client and targetedly services, so as to improve visitor
The service experience at family.
To achieve these goals, it is proposed that scheme it is as follows：
Magnetic stripe and financial chip are provided with a kind of bank card, including card body, the card body, in addition at least
One piece of radio read-write chip of block, wherein：
The radio read-write chip is arranged on the card body, the electricity for storing the client for holding the bank card
Subtab data.
Optionally, the radio read-write chip is passive radio frequency identification chip.
Optionally, the electronic tag data includes customer information and/or accounts information after encryption.
A kind of bank's card identification method, including step：
When the user for holding the bank card as described in any one of claims 1 to 3 enters bank or after entrance bank, obtain
Take the electronic tag data stored on the bank card in radio read-write chip；
Operation is decrypted to the electronic tag data, the customer information and/or accounts information of the client is obtained；
Anticipation is carried out to the required service of the client according to the customer information and/or accounts information；
There is provided and targetedly serviced to the client according to the anticipation result to the required service.
Optionally, the electronic tag data stored on the acquisition bank card in radio read-write chip, including：
Receive the preset electronic tag of the bank and read system using the electronic tag number acquired in wireless mode
According to.
Optionally, it is described that the required service of the client is carried out according to the customer information and/or the accounts information
Anticipation, including：
It will be matched after the customer information and/or account information decryption with the data in background data base, obtain institute
State the identity information of client；
The identity information is handled using default service logic, the required service is obtained.
A kind of bank's card identifying system, including：
Data acquisition module, for entering bank as the user for holding the bank card as described in any one of claims 1 to 3
When or enter after bank, obtain the electronic tag data stored on the bank card in radio read-write chip；
Data decryption module, for operation to be decrypted to the electronic tag data, obtains client's letter of the client
Breath and/or accounts information；
Anticipation module is serviced, for entering according to the customer information and/or accounts information to the required service of the client
Row anticipation；
Service providing module, for providing help to the client according to the anticipation result to the required service.
Optionally, the data acquisition module includes：
Label data receiving unit, wireless mode institute is utilized for receiving the preset electronic tag reading system of the bank
The electronic tag data obtained.
Optionally, the service anticipation module includes：
Data matching unit, for by the customer information and/or the account information and the data in background data base
Matched, obtain the identity information of the client；
Service prediction unit, for being handled using default service logic the identity information, obtains the institute
Need service.
It can be seen from above-mentioned technical scheme that, this application discloses a kind of bank card and bank's card identification method and it is
System, the bank card includes card body and the magnetic stripe being arranged on card body and financial chip, in addition, on card body also
Radio read-write chip is provided with, the radio read-write chip is used for the electronic tag data for storing the client for holding the bank card, electricity
Subtab data can typically include the customer information and accounts information of the client after encryption.For traditional bank card,
Because the bank card in the application is provided with the radio read-write chip for the customer information that is stored with, as long as bank is set in place of business
Radio read-write equipment can obtain the customer information at the beginning of client enters, and be directed to so as to be made in advance according to customer information
The arrangement of property, so as to the help needed for arranging it for client, so as to improve the service experience of client.
Brief description of the drawings
, below will be to embodiment or existing in order to illustrate more clearly of the embodiment of the present application or technical scheme of the prior art
There is the accompanying drawing used required in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of application, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
A kind of schematic diagram for bank card embodiment that Fig. 1 provides for the application；
A kind of step flow chart for bank's card identification method embodiment that Fig. 2 provides for the application；
A kind of structured flowchart for bank's card identifying system embodiment that Fig. 3 provides for the application.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present application, the technical scheme in the embodiment of the present application is carried out clear, complete
Site preparation is described, it is clear that described embodiment is only some embodiments of the present application, rather than whole embodiments.It is based on
Embodiment in the application, 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 the application protection.
Embodiment one
A kind of schematic diagram for bank card embodiment that Fig. 1 provides for the application.
As shown in figure 1, the bank card that the present embodiment is provided includes card body 10, magnetic stripe (not shown) and financial chip
11, magnetic stripe and financial chip are arranged on card body, in addition, it is critical that the bank card in the present embodiment is additionally provided with nothing
Line read-write chip 12.
Radio read-write chip is similarly disposed on the card body, its electronic tag data that is stored with, the electronic tag number
According to the client including holding the bank card Customer ID or client account ID encryption data.
Customer information refers to the identity information of client, such as name, age, address, phone, E-mail address information；And
Accounts information then reflects client in the bank account of the bank, the name of account, even account class, account balance etc..For
Customer information is protected not to be stolen, electronic tag data does not store customer information or accounts information, only the client after storage encryption
ID or account ID, the reading system decryption that the data can only be authorized to, and can be with client in banking data base or the information of account
Set up corresponding relation.The above-mentioned electronic tag data comprising the Customer ID and account ID derives from the input of read-write equipment, is needing
When wanting, the teller of bank generates above-mentioned electronic tag data by corresponding computing device, and the electronic tag data is inputted
Above-mentioned radio read-write chip.
Generally, whether bank card is by giving holder's accrediting amount and be divided into credit card and debit card.In addition bank
Card can also be divided into magnetic stripe card and chip card by information carrier difference；By issuer whether in the domestic domestic card and overseas of being divided into
Card；It is divided into personal card and unit card by target of issue difference；It is divided into RMB card, foreign currency card and double currency types by account currency type difference
Card.
Debit card is divided into card of transferring accounts, personality card, stored value card by function difference.Debit card can not be overdrawed.Card of transferring accounts, which has, to be turned
Account, access cash and consumption function.Personality card is (to refer in specific region, specific purpose beyond general merchandise, food and drink, show business
Purposes) debit card that uses, the function with cash of transferring accounts, access.Stored value card is that bank is required fund according to holder
Go to storage in card, the prepayment wallet type debit card directly withholdd during transaction out of card.
Debit card can transfer accounts and withdraw deposit in network or POS consumption or by ATM, it is impossible to overdraw, the amount of money in card is pressed
Current deposit meter pays interest.Fund is directly marked from savings account when consumption or drawing.Debit card generally requires close when in use
Code (PIN).Debit card can be divided into generic card, gold card and platinum card by grade；It can be divided into domestic card and state by using scope
Border card.
Credit card is divided into credit card and quasi- credit card again.Credit card refers to that certain line of credit is given holder by issuing bank
Degree, the credit card that holder can first consume in credit line, refund afterwards.Quasi- credit card refers to that holder is first handed over by bank's requirement
The petty cash of certain amount of money is deposited, can be in the credit overdrawed as defined in issuing bank in credit line when petty cash deficiency is paid
Card.
Credit card (Credit card), frequently referred to credit card, refer to that certain line of credit is given holder by issuing bank
Degree, holder can first consume in credit line, the credit card refunded afterwards.It has the special feature that：First consume and refund afterwards, enjoy and exempting from
Breath pays in the phase (most long up to 56 days), and provided with minimum amount to pay, and overdraw occurs in client can autonomous installment reimbursement.Client need to
The a number of annual fee of payment by banker of application, each bank differs.
Quasi- credit card is that a kind of deposit has single currency type list account credits card that breath, bankcard consumption are settled accounts with RMB, is had
The functions such as the transfer and settlement of accounts, access cash, credit consuming, internet bank trade.When bankcard consumption, Sorry, your ticket has not enough value for enchashment deposit account
During payment, holder can overdraw consumption, enchashment in defined limited credit line, and collect certain interest.In the absence of exempting from
Cease repayment period.
Quasi- credit card is a kind of credit card species with Chinese characteristics, and foreign countries do not have such credit card.80
Later stage in age, China's banking industry introduces credit cards product from foreign countries.Because at that time Chinese personal credit system be not it is very perfect,
China's banking industry has carried out certain change to external credit cards product, and external traditional credit card deposit is ex interest, thoroughly
Branch has the interest-free phase to be changed to deposit and has interest, overdraws not interest-free.
Quasi- credit card has the partial function of credit card and debit card concurrently, generally requires and pays guarantee fund or the people that tenders guarantee,
First deposit and consume afterwards when using, deposit meter pays interest.It can be carried out during holder's purchase and consumption in the amount that credit card issuer is appraised and decided
Born interest from small amount is overdrawed, but the overdraw amount of money is overdrawed certainly, debt must once be paid off, without free of interest repayment period and minimum refund
Volume, its basic function is the transfer and settlement of accounts and purchase and consumption.
Integrate, mainly have the characteristics of quasi- credit card：
(1) apply for that quasi- credit card is generally required and pay guarantee fund or the people that tenders guarantee；
(2) deposit and figure interest in quasi- credit card；
(3) quasi- credit card can be overdrawed, but overdraw fund can just calculate profit without interest-free repayment period from the overdraw same day
Breath, and must once pay off without minimum refund.
Quasi- credit card is progressively stepping down from the stage of history as the transitional product during China Credit Card's industry development,
The usage amount of quasi- credit card in our actual lives, all progressively reduced using meaning.
Initial bank card is to store corresponding information using magnetic stripe, and this bank card is called magnetic card.However, on magnetic card
Information is easily replicated, therefore its security is poor, and current bank card can be also provided with simultaneously in hair fastener in addition to magnetic stripe
Financial chip, next step bank can fully phase out magnetic stripe.
Radio read-write chip in the application on bank card reads and writes (RFID) chip for passive RF.Radio frequency read-write chip skill
Derivative product probably has three major types in art：Passive RFID product, active RFID product, semi-active RFID products.
Passive RFID production development is also to develop most ripe, the most widely used product in market earliest.Such as, mass transit card, food
Hall meal card, bank card, hotel access card, China second-generation identity card etc., this is seen everywhere in our daily life, belongs to low coverage
Class is recognized from contact.The groundwork frequency of its product has low frequency 125KHZ, high frequency 13.56MHZ, hyperfrequency 433MHZ, surpasses
High frequency 915MHZ.
Active RFID product, is slowly to grow up recent years, and the characteristic of its far distance automatic identification determines it
Huge application space and market potential quality.In far distance automatic identification field, such as intelligent prison, intelligent hospital, intelligent parking lot,
There is major application in intelligent transportation, smart city, the field such as the wisdom earth and Internet of Things.Active RFID is prominent in the different army in this field
Rise, belong to far distance automatic identification class.Product groundwork frequency has hyperfrequency 433MHZ, microwave 2.45GHZ and 5.8GHZ.
Active RFID product and passive RFID product, its different characteristic determine different application field and different
Application model, also there is respective advantage place.But in the present system, we highlight between active RFID and passive RFID it
Between semi-active RFID products, the product integrates the advantage of active RFID and passive RFID, passes in and out and manages in gate inhibition, personnel
It is accurately positioned, zone location management, circumference management, there is very big advantage in the field such as fence and security alarm.
Semi-active RFID products, with reference to the advantage of active RFID product and passive RFID product, in low frequency 125KHZ frequencies
Triggering under, allow microwave 2.45G to make the most of the advantage.Semi-active RFID technique, can also be called low frequency activation triggering technique, using low
Frequency is closely accurately positioned, and microwave far-distance identification and uploads data, is not had to solve simple active RFID and passive RFID
The function that method is realized.Briefly, it is exactly closely activation positioning, remote identification and upload data.
RFID is one and is easily manipulated, flexibility application technology that is simple and practical and being particularly suitable for Automated condtrol.
Can freely it be operated under various adverse circumstances：Short-range radio frequency product is not afraid of the rugged environments such as oil stain, dust pollution, can replace
For bar code, it is used for example on the streamline of factory and tracks object；Length is used in traffic away from radio frequency products, and identification distance is up to several
Ten meters, such as automatic charging or identification testing vehicle register.Radio-frequency recognition system mainly has the following aspects system advantage：
Read convenient and swift：The reading of data is without light source, it might even be possible to carried out through outer packing.Effectively recognize distance
When more greatly, using the active tag from charged pool, effectively identification distance can reach more than 30 meters；
Recognition speed is fast：Label one enters magnetic field, and plug-in reader can just read information therein immediately, and can be simultaneously
Multiple labels are handled, batch identification is realized；
Data capacity is big：The maximum two-dimensional bar (PDF417) of data capacity, at most can only also store 2725 numerals；
If comprising letter, amount of storage then can be less；RFID tag then can extend to several 10K according to the need for user；
Service life is long, has a wide range of application：Its radio communication system, makes it can apply to the contour dirt of dust, greasy dirt
Environment and radioactive environment are contaminated, and its closed packaging causes its life-span to substantially exceed the bar code of printing；
Label data can be changed dynamically：Data can be write to label using programmable device, so as to assign RFID tag interaction
The function of formula portable data file, and the write time is less compared to printing bar code；
More preferable security：Not only it can be embedded in or be attached on the product of different shape, type, and can be label
The read-write of data sets cryptoguard, so that with higher security；
Dynamic realtime communicates：Label is communicated with the frequency with 50~100 times per second with plug-in reader, as long as so RFID
Object accompanying by label is appeared in effective identification range of plug-in reader, it is possible to its position is carried out dynamically to follow the trail of and supervise
Control.
The information interaction of air interface communication protocol specification read write line and electronic tag, it is therefore an objective to for different manufacturers production
Interconnecting property between equipment.ISO/IEC formulates the air interface protocol of five kinds of frequency ranges, and this thought fully demonstrates standard system
One relativity, a standard is the joint demand to being quite widely applied system, but the demand of not all application system,
One group of standard can meet larger range of application demand.
It can be seen from the above technical proposal that present embodiments providing a kind of bank card, the bank card includes card body
With the magnetic stripe that is arranged on card body and financial chip, in addition, be additionally provided with radio read-write chip on card body, the nothing
Line read-write chip is used for the electronic tag data for storing the client for holding the bank card, and electronic tag data can typically include visitor
The Customer ID and account ID at family.For traditional bank card, because the bank card in the application is provided with the client that is stored with
The radio read-write chip of data, is somebody's turn to do as long as bank sets radio read-write equipment to be obtained at the beginning of client enters in place of business
Customer information, is targetedly arranged so as to be made in advance according to customer information, so as to the help needed for arranging it for client,
So as to improve the service experience of client.
Embodiment two
A kind of step flow chart for bank's card identification method embodiment that Fig. 2 provides for the application.
As shown in Fig. 2 the present embodiment provide bank's card identification method be applied to bank place of business, specifically include as
Lower step：
S101：Obtain the electronic tag data of bank card entrained by client.
Here client carries the bank card disclosed in above-described embodiment, and the bank card removes and is provided with magnetic stripe and finance
Outside chip, radio read-write chip is additionally provided with, above-mentioned electronic tag data is to be stored in the radio read-write chip.
Specifically, it is to read system to the letter in the radio read-write chip using the electronic tag set in place of business
Breath is read out.Electronic label read-write system device includes writing and reading two parts function.
Wherein, write-in functions will realize the initialization of electronic tag.In order to ensure the safety of client/accounts information, electronics
Labeling requirement, which has, perfects information protection mechanism.Mainly protected in terms of data isolation and data encryption two.One is based on spy
Determine algorithm (such as SHA-256) to encode client/account, coding rule and specific client/accounts information are decoupled, and this is encoded
As electronic tag data, the mapping of electronic tag coding and client/accounts information is realized.Client/accounts information be stored in by
In the internal database of protection.Two be to carry out asymmetric encryption to electronic tag data based on PKI Certification systems, and bank card is only deposited
Ciphertext after storage is encrypted.Specifically, electronic tag specific credentials are generated using CA, for electronic tag encryption and decryption.Generation
During electronic tag data, electronic tag data is encrypted using public key, it is close using private key to being signed after ciphertext hash operations
Text and signature are stored on bank card, and are decrypted when reading using private key, are signed using public key verifications.So as to ensure electronics
Label data can only manage it system generation by me, while system cryptanalysis can only be also manageed it by me, so as to ensure the safety of data.
In slave unit, there are " electronic tag generation machine " and " e-tag reader " two class product to be selected for site.
Electronic tag generation machine be realize gone up electronic tag coding, the equipment that encryption, read functions are integrated, by inserting
Enter bank card, you can coding, encryption and the physics laminating of electronic tag are realized, while the equipment can also read and show bank
Card attachment RFID information, verifies the correctness of electronic tag data.
E-tag reader is responsible for reading electronic tag data on bank card.Meanwhile, by e-tag reader electronics
Tag read-write equipment antenna is arranged on bank outlets' entrance, ATM operation rooms entrance or other suitable places, when being spaced 5-10 meters certainly
It is dynamic to read bank card RFID data, and reading result is sent to the processing of site customer analysis response system inquiry system.For section
About cost, such read write line can only have read functions.
S102：Operation is decrypted to electronic tag data, customer information and accounts information is obtained.
As previously described, the electronic tag data is obtained with certain encryption principle and method, is held wherein including
Block one kind or whole in the customer information and accounts information of people, therefore also need to after above-mentioned electronic tag data is obtained to carry out
Decryption oprerations, can just obtain the customer information and accounts information.
S103：Anticipation is carried out to client's required service according to above-mentioned customer information and accounts information.
After one kind or whole in obtaining the customer information and accounts information of holder, you can according to these information to visitor
Service needed for family carries out anticipation.For example, historical record show the client only deposited in the place of business, operation of paying the fees,
Always operated without withdrawing the money, can thus indicate that hall personnel provide corresponding deposit, payment document to client in advance；Or
Person, if someone is more into place of business number of times, and the amount of money of its withdrawal is larger, then can determine the holder attach most importance to
Point client.
, can be by one kind in the customer information and accounts information of the client or whole when carrying out identity judgement to client
Matched with the data in background data base, obtain the identity information of the client, for example it is general client identity, or
For emphasis client identity etc.；Then the identity information is handled using default service logic, so as to finally confirm client
Required service.Client's required service is only the most possible required service of client determined according to historical data here in fact,
It may be deviated with truth, but not influence overall situation.
S104：The client's required service gone out according to anticipation provides help to client.
After the service needed for anticipation goes out client, help is provided to client according to the result, for example, is shown from trend client
Corresponding prompt message, or instruction is sent to related service personnel, instruct the attendant to provide client help etc..
It can be seen from the above technical proposal that present embodiments providing a kind of bank's card identification method, it ought specially hold
The user of bank card described in above example is obtained on bank card in radio read-write chip into during bank or after entrance bank
The electronic tag data of storage；Operation is decrypted to electronic tag data, the customer information and/or account letter of client is obtained
Breath；Anticipation is carried out to the required service of client according to customer information and/or accounts information；According to the anticipation result to required service
Help is provided to client.So as to improve the service experience of client.
Embodiment three
A kind of structured flowchart for bank's card identifying system embodiment that Fig. 3 provides for the application.
As shown in figure 3, bank's card identifying system that the present embodiment is provided is applied to the place of business of bank, number is specifically included
According to acquisition module 20, data decryption module 30, service anticipation module 40 and service providing module 50.
Data acquisition module is used for the electronic tag data for obtaining bank card entrained by client.
Here client carries the bank card disclosed in above-described embodiment, and the bank card removes and is provided with magnetic stripe and finance
Outside chip, radio read-write chip is additionally provided with, above-mentioned electronic tag data is to be stored in the radio read-write chip.
Specifically, the module includes label data receiving unit 21, and the unit, which is used to receive, to be set in place of business
Electronic tag reads the information that system is read from the radio read-write chip.Electronic label read-write system device includes write-in and read
Two parts function.
Wherein, write-in functions will realize the initialization of electronic tag.In order to ensure the safety of client/accounts information, electronics
Labeling requirement, which has, perfects information protection mechanism.Mainly protected in terms of data isolation and data encryption two.One is based on spy
Determine algorithm (such as SHA-256) to encode client/account, coding rule and specific client/accounts information are decoupled, and this is encoded
As electronic tag data, the mapping of electronic tag coding and client/accounts information is realized.Client/accounts information be stored in by
In the internal database of protection.Two be to carry out asymmetric encryption to electronic tag data based on PKI Certification systems, and bank card is only deposited
Ciphertext after storage is encrypted.Specifically, electronic tag specific credentials are generated using CA, for electronic tag encryption and decryption.Generation
During electronic tag data, electronic tag data is encrypted using public key, it is close using private key to being signed after ciphertext hash operations
Text and signature are stored on bank card, and are decrypted when reading using private key, are signed using public key verifications.So as to ensure electronics
Label data can only manage it system generation by me, while system cryptanalysis can only be also manageed it by me, so as to ensure the safety of data.
In slave unit, there are " electronic tag generation machine " and " e-tag reader " two class product to be selected for site.
Electronic tag generation machine be realize gone up electronic tag coding, the equipment that encryption, read functions are integrated, by inserting
Enter bank card, you can coding, encryption and the physics laminating of electronic tag are realized, while the equipment can also read and show bank
Card attachment RFID information, verifies the correctness of electronic tag data.
E-tag reader is responsible for reading electronic tag data on bank card.Meanwhile, by e-tag reader electronics
Tag read-write equipment antenna is arranged on bank outlets' entrance, ATM operation rooms entrance or other suitable places, when being spaced 5-10 meters certainly
It is dynamic to read bank card RFID data, and reading result is sent to the processing of site customer analysis response system inquiry system.For section
About cost, such read write line can only have read functions.
Data decryption module is used to electronic tag data is decrypted operation, obtains customer information and accounts information.
As previously described, the electronic tag data is obtained with certain encryption principle and method, is held wherein including
Block one kind or whole in the customer information and accounts information of people, therefore also need to after above-mentioned electronic tag data is obtained to carry out
Decryption oprerations, can just obtain the customer information and accounts information.
Servicing anticipation module is used to carry out anticipation to client's required service according to above-mentioned customer information and accounts information.
After one kind or whole in obtaining the customer information and accounts information of holder, you can according to these information to visitor
Service needed for family carries out anticipation.For example, historical record show the client only deposited in the place of business, operation of paying the fees,
Always operated without withdrawing the money, can thus indicate that hall personnel provide corresponding deposit, payment document to client in advance；Or
Person, if someone is more into place of business number of times, and the amount of money of its withdrawal is larger, then can determine the holder attach most importance to
Point client.
The module includes data matching unit 41 and service predicting unit 42, and data matching unit is used to carry out to client
When identity judges, carried out by one kind in the customer information and accounts information of the client or all with the data in background data base
Matching, obtains the identity information of the client, and for example it is general client identity, or is emphasis client identity etc.；Service is pre-
Sentence unit then to handle the identity information using default service logic, so as to finally confirm client's required service.In fact
Here client's required service is only the most possible required service of client determined according to historical data, may with truth
It is deviated, but does not influence overall situation.
Client's required service that service providing module is used to be gone out according to anticipation provides help to client.
After the service needed for anticipation goes out client, help is provided to client according to the result, for example, is shown from trend client
Corresponding prompt message, or instruction is sent to related service personnel, instruct the attendant to provide client help etc..
It can be seen from the above technical proposal that present embodiments providing a kind of bank's card identifying system, it ought specially hold
The user of bank card described in above example is obtained on bank card in radio read-write chip into during bank or after entrance bank
The electronic tag data of storage；Operation is decrypted to electronic tag data, the customer information and/or account letter of client is obtained
Breath；Anticipation is carried out to the required service of client according to customer information and/or accounts information；According to the anticipation result to required service
Help is provided to client.So as to improve the service experience of client.
The embodiment of each in this specification is described by the way of progressive, and what each embodiment was stressed is and other
Between the difference of embodiment, each embodiment identical similar portion mutually referring to.To the upper of the disclosed embodiments
State bright, professional and technical personnel in the field is realized or use the application.To a variety of modifications of these embodiments to ability
It will be apparent for the professional and technical personnel in domain, generic principles defined herein can not depart from the application's
In the case of spirit or scope, realize in other embodiments.Therefore, the application be not intended to be limited to it is shown in this article these
Embodiment, and it is to fit to the most wide scope consistent with features of novelty with principles disclosed herein.
Claims (9)
1. magnetic stripe and financial chip are provided with a kind of bank card, including card body, the card body, it is characterised in that
Also include at least one piece of radio read-write chip of block, wherein：
The radio read-write chip is arranged on the card body, the electronics mark for storing the client for holding the bank card
Sign data.
2. bank card as claimed in claim 1, it is characterised in that the radio read-write chip is passive radio frequency identification chip.
3. bank card as claimed in claim 1, it is characterised in that the electronic tag data includes the client after encryption
Information and/or accounts information.
4. a kind of bank's card identification method, it is characterised in that including step：
When the user for holding the bank card as described in any one of claims 1 to 3 enters bank or after entrance bank, institute is obtained
State the electronic tag data stored on bank card in radio read-write chip；
Operation is decrypted to the electronic tag data, the customer information and/or accounts information of the client is obtained；
Anticipation is carried out to the required service of the client according to the customer information and/or accounts information；
According to the anticipation result to the required service help is provided to the client.
5. bank's card identification method as claimed in claim 4, it is characterised in that radio read-write on the acquisition bank card
The electronic tag data stored in chip, including：
Receive the preset electronic tag of the bank and read system using the electronic tag data acquired in wireless mode.
6. bank's card identification method as claimed in claim 4, it is characterised in that described according to the customer information and/or institute
State accounts information and anticipation is carried out to the required service of the client, including：
The customer information and/or account information are matched with the data in background data base, the body of the client is obtained
Part information；
The identity information is handled using default service logic, the required service is obtained.
7. a kind of bank's card identifying system, it is characterised in that including：
Data acquisition module, for when the user for holding the bank card as described in any one of claims 1 to 3 enter bank when or
Into after bank, the electronic tag data stored on the bank card in radio read-write chip is obtained；
Data decryption module, for operation to be decrypted to the electronic tag data, obtain the client customer information and/
Or accounts information；
Anticipation module is serviced, it is pre- for being carried out according to the customer information and/or accounts information to the required service of the client
Sentence；
Service providing module, for providing help to the client according to the anticipation result to the required service.
8. bank's card identifying system as claimed in claim 7, it is characterised in that the data acquisition module includes：
Label data receiving unit, system is read using acquired in wireless mode for receiving the preset electronic tag of the bank
The electronic tag data.
9. bank's card identifying system as claimed in claim 4, it is characterised in that the service anticipation module includes：
Data matching unit, for the customer information and/or the account information to be carried out with the data in background data base
Matching, obtains the identity information of the client；
Service prediction unit, for being handled using default service logic the identity information, obtains the required clothes
Business.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710329449.6A CN106971127A (en) | 2017-05-11 | 2017-05-11 | A kind of bank card and bank's card identification method and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710329449.6A CN106971127A (en) | 2017-05-11 | 2017-05-11 | A kind of bank card and bank's card identification method and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106971127A true CN106971127A (en) | 2017-07-21 |
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ID=59330650
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710329449.6A Pending CN106971127A (en) | 2017-05-11 | 2017-05-11 | A kind of bank card and bank's card identification method and system |
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| CN108830337A (en) * | 2018-06-04 | 2018-11-16 | 安徽理工大学 | Machine is returned in a kind of recycling of loss card and card returns system |
| CN111932798A (en) * | 2020-08-19 | 2020-11-13 | 中国银行股份有限公司 | Card-retaining processing method and device |
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| CN201741177U (en) * | 2010-07-21 | 2011-02-09 | 恒宝股份有限公司 | Bank card with RFID tag |
| CN202433941U (en) * | 2011-08-24 | 2012-09-12 | 上海朔阳信息科技有限公司 | Multi-interface bank card |
| CN103634412A (en) * | 2013-12-16 | 2014-03-12 | 信雅达系统工程股份有限公司 | Service information pushing system |
| CN105046840A (en) * | 2015-06-25 | 2015-11-11 | 苏州木兰电子科技有限公司 | RFID (radio frequency identification)-based non-plug-in type bank self-service terminal system |
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| CN201741177U (en) * | 2010-07-21 | 2011-02-09 | 恒宝股份有限公司 | Bank card with RFID tag |
| CN202433941U (en) * | 2011-08-24 | 2012-09-12 | 上海朔阳信息科技有限公司 | Multi-interface bank card |
| CN103634412A (en) * | 2013-12-16 | 2014-03-12 | 信雅达系统工程股份有限公司 | Service information pushing system |
| CN105046840A (en) * | 2015-06-25 | 2015-11-11 | 苏州木兰电子科技有限公司 | RFID (radio frequency identification)-based non-plug-in type bank self-service terminal system |
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Application publication date: 20170721 |