CN106991564B - A kind of Internet of Things Payment Card and its Transaction Information confirmation method - Google Patents
A kind of Internet of Things Payment Card and its Transaction Information confirmation method Download PDFInfo
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- CN106991564B CN106991564B CN201710216861.7A CN201710216861A CN106991564B CN 106991564 B CN106991564 B CN 106991564B CN 201710216861 A CN201710216861 A CN 201710216861A CN 106991564 B CN106991564 B CN 106991564B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
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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
- G06K19/0701—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 at least one of the integrated circuit chips comprising an arrangement for power management
- G06K19/0702—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 at least one of the integrated circuit chips comprising an arrangement for power management the arrangement including a battery
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
- G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
- G06K19/07705—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a single light or small number of lights capable of being switched on or off, e.g. a series of LEDs
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/0772—Physical layout of the record carrier
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Microelectronics & Electronic Packaging (AREA)
- Strategic Management (AREA)
- Computer Hardware Design (AREA)
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Abstract
The invention discloses a kind of Internet of Things Payment Card and its Transaction Information confirmation methods, wherein the Transaction Information confirmation method of Internet of Things Payment Card includes: that the main control chip of Internet of Things Payment Card receives the Transaction Information that payment platform is sent, after establishing connection with the secure storage chip of Internet of Things Payment Card, Transaction Information is sent to secure storage chip；Secure storage chip receives Transaction Information, and generates secure authentication information according to own key operation, is fed back to main control chip；Main control chip receives secure authentication information, and secure authentication information is fed back to payment platform.Internet of Things Payment Card in the application can be detached from third party device, payment is done directly, while designing Transaction Information confirmation method according to the characteristics of Internet of Things network interface card, to improve the safety guarantee of user's property.
Description
Technical field
The present invention relates to bank card safety of payment technical field more particularly to a kind of Internet of Things Payment Cards and its Transaction Information
Confirmation method.
Background technique
Whether payment technical field needs entity card to participate according to payment on current line, can be divided into and card branch is paid and had without card
It pays.Such as Alipay, wechat are paid for without card, is all to need to bind entity card number first.When payment, Alipay or micro- is only leaned on
The payment cipher of letter is guaranteed.Such safety of payment rank is low, has given up the anti-fake certificate that entity card itself has completely
Function also just reduces the safety of payment.In contrast, the safer another means of payment is that have card payment, still
It is existing to there is card payment to need to be connected to the network by equipment such as POS machine in payment process.This is because conventional cards without
Method itself networking, it is necessary to be paid by the networking of the external equipments such as such as POS machine.
Summary of the invention
The purpose of the present invention is to provide a kind of Internet of Things Payment Card and its Transaction Information confirmation methods, which can
Proceed without other equipment support has card payment, i.e., completes payment process by Internet of Things itself, while changing based on the speciality
Into payment process, the safely and conveniently means of payment is provided a user.
In order to achieve the above objectives, the present invention provides the Transaction Information confirmation method and Internet of Things branch of a kind of Internet of Things Payment Card
Fu Ka is adopted the following technical scheme that
A kind of Transaction Information confirmation method of Internet of Things Payment Card, comprising:
Step S1: the main control chip of Internet of Things Payment Card receives the Transaction Information that payment platform is sent, and pays with Internet of Things
The secure storage chip of card is established after connection, and the Transaction Information is sent to the secure storage chip；
Step S2: the secure storage chip receives the Transaction Information, and generates safety according to own key operation and test
Information is demonstrate,proved, the secure authentication information is fed back into the main control chip；
Step S3: the main control chip receives the secure authentication information, and the secure authentication information is fed back to institute
State payment platform.
The Transaction Information confirmation method of Internet of Things Payment Card as described above, wherein preferably, before step S1 also
Include:
Step S01: the secure authenticated information of Internet of Things Payment Card is stored in the secure storage chip.
The Transaction Information confirmation method of Internet of Things Payment Card as described above, wherein preferably, step S1 is specifically wrapped
Include: the main control chip of Internet of Things Payment Card receives the Transaction Information that payment platform is sent via Internet of Things by Internet of Things antenna,
And connection is established with the secure storage chip of Internet of Things Payment Card, the Transaction Information is sent to the safety of Internet of Things Payment Card
Storage chip.
The Transaction Information confirmation method of Internet of Things Payment Card as described above, wherein preferably, step S1: Internet of Things
The main control chip of Payment Card receives the Transaction Information that payment platform is sent, and establishes and connects with the secure storage chip of Internet of Things Payment Card
After connecing, the Transaction Information is sent to the secure storage chip of Internet of Things Payment Card, specifically includes following sub-step:
Step S11: the main control chip of Internet of Things Payment Card sends selection " contactless payment environment " instruction to Internet of Things branch
Pay the secure storage chip of card；
Step S12: the secure storage chip of Internet of Things Payment Card returns to selection " contactless payment environment " instruction response extremely
The main control chip of Internet of Things Payment Card；
Step S13: the main control chip of Internet of Things Payment Card sends selection " application identities " instruction to Internet of Things Payment Card
Secure storage chip；
Step S14: the secure storage chip of Internet of Things Payment Card returns to selection " application identities " instruction response to Internet of Things
The main control chip of Payment Card；
Step S15: the main control chip of Internet of Things Payment Card sends " obtaining Treatment Options " instruction to Internet of Things Payment Card
Secure storage chip；
The Transaction Information confirmation method of Internet of Things Payment Card as described above, wherein preferably, step S2: the peace
Full storage chip receives the Transaction Information, and generates secure authentication information according to own key operation, by the safety verification
Information feeds back to the main control chip, includes following sub-step:
Step S21: the secure storage chip receives the Transaction Information, and generates safety according to own key operation and test
Demonstrate,prove information.
Step S22: the secure storage chip of Internet of Things Payment Card returns to " obtaining Treatment Options " instruction response to Internet of Things
Secure authentication information is sent main control chip by the main control chip of Payment Card.
A kind of Internet of Things Payment Card, including card, main control chip, secure storage chip and battery, the main control chip, institute
It states secure storage chip and the battery is integrated in the card, the main control chip is electrically connected with the secure storage chip
It connects, the main control chip is electrically connected with the battery with the secure storage chip, wherein preferably:
The main control chip is used to receive the Transaction Information of payment platform transmission, and the Transaction Information is sent to described
Secure storage chip and to outside send secure authentication information；
The secure storage chip generates safety verification for receiving and parsing through the Transaction Information, and according to parsing result
Information, then the secure authentication information is fed back into the main control chip.
Internet of Things Payment Card as described above, wherein preferably, the Internet of Things Payment Card passes through Internet of Things and payment
Platform connection.
Internet of Things Payment Card as described above, wherein preferably, the Internet of Things Payment Card further include Internet of Things antenna and
Internet of Things communication chip, one end of the Internet of Things communication chip are electrically connected with the Internet of Things antenna, the other end and the master
Chip electrical connection is controlled, the Internet of Things antenna and the Internet of Things communication chip form Internet of Things signal receiving/transmission device, the master
It controls chip and external information is sended and received by the Internet of Things signal receiving/transmission device.
Internet of Things Payment Card as described above, wherein further include transaction key, the transaction key and institute preferably
Main control chip electrical connection is stated, the transaction key is for finally confirming Transaction Information.
Internet of Things Payment Card as described above, wherein preferably, the main control chip and the secure storage chip list
Solely it is arranged or becomes one.
Internet of Things Payment Card in the application can be detached from third party device, be done directly payment, while according to Internet of Things network interface card
The characteristics of and design Transaction Information confirmation method, this method can accelerate the trading processing speed of Internet of Things network interface card, while reduce object
The flow of networking occupies.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, embodiment will be described below
Needed in attached drawing be briefly described, it should be apparent that, the accompanying drawings in the following description is only of the invention some
Embodiment for those of ordinary skill in the art without creative efforts, can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is the flow diagram of the Transaction Information confirmation method for the Internet of Things Payment Card that the embodiment of the present invention one provides；
Fig. 2 is the secure authentication information of the Transaction Information confirmation method for the Internet of Things Payment Card that the embodiment of the present invention one provides
The flow diagram of generation；
Fig. 3 is the structural schematic diagram of Internet of Things Payment Card provided by Embodiment 2 of the present invention.
Description of symbols:
1-card 2-main control chip, 3-secure storage chip
4-battery 5-Internet of Things antenna 6-switching on and shutting down keys
7-8-power supply indicator of Internet of Things communication chip, 9-transaction keys
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
Embodiment one
The Transaction Information confirmation method that the embodiment of the present invention provides a kind of Internet of Things Payment Card is as shown in Figure 1 to Figure 2, wherein
The main control chip of Internet of Things Payment Card receives the Transaction Information that payment platform is sent by Internet of Things.Due to the spy of Internet of Things itself
Property, have the characteristics that low-power consumption, low transmission rate, low data throughout, low connection amount.And Internet of Things Payment Card is in use process
In, the data volume very little of received Transaction Information, and the frequency that the user of the overwhelming majority uses daily is not too large, because
The characteristics of this these feature conforms exactly to Internet of Things network transmission.Therefore, the super low-power consumption of Internet of Things can highlight at this time
Its advantage, i.e., need to only be equipped with a baby battery can continue to use many years, thus, so that it may be Internet of Things Payment Card
Its offer basis small in size is provided.It will be appreciated by persons skilled in the art that as the entity bank card that payment uses, in order to
Easy to carry, volume cannot be too big, and Internet of Things Payment Card carries out Transaction Information reception using Internet of Things and just can solve well
Certainly capacity issue.
The Transaction Information confirmation method of the Internet of Things Payment Card includes:
Step S1: the main control chip of Internet of Things Payment Card receives the Transaction Information that payment platform is sent, and with Internet of Things branch
The secure storage chip for paying card is established after connection, and the Transaction Information is sent to the secure storage chip.
Specific steps are as shown in Figure 2, comprising:
Step S11: the main control chip of Internet of Things Payment Card sends selection " contactless payment environment " instruction to Internet of Things branch
The secure storage chip of card is paid, i.e. main control chip issues the request that information exchange will be carried out between secure storage chip.
Step S12: the secure storage chip of Internet of Things Payment Card returns to selection " contactless payment environment " instruction response extremely
The main control chip of Internet of Things Payment Card, i.e. secure storage chip respond main control chip and obtain the request for needing to carry out information exchange.
Step S13: the main control chip of Internet of Things Payment Card sends selection " application identities " instruction to Internet of Things Payment Card
Secure storage chip, i.e. main control chip, which are sent, needs the type of interactive information, specifically, including trade date, transaction amount, with
The information such as machine number and device numbering.
Step S14: the secure storage chip of Internet of Things Payment Card returns to selection " application identities " instruction response to Internet of Things
The main control chip of Payment Card, i.e. secure storage chip respond main control chip and receive the type for needing interactive information.
Step S15: the main control chip of Internet of Things Payment Card sends " obtaining Treatment Options " instruction to Internet of Things Payment Card
Secure storage chip, main control chip will need specific information, that is, particular transactions information of interaction to be sent to secure storage chip,
Specific Transaction Information includes the information relevant to this transaction such as specific exchange hour and specific transaction amount.
Those skilled in the art will also be appreciated that the information exchange between main control chip and secure storage chip is logical
It crosses what integrated circuit between the two was completed, information exchange is carried out using integrated circuit between the two, not only can guarantee that information passes
It passs speed fastly and transmitting stability is also greatly improved, while also avoiding the interaction of traditional bank card security information and being both needed to
The drawbacks of passing through network implementations, reduce user uses threshold.
Step S2: secure storage chip receives the Transaction Information, and generates safety verification letter according to own key operation
Breath, and the secure authentication information is fed back into main control chip.
Specifically, step S2 includes following sub-step (with continued reference to Fig. 2):
Step S21: the secure storage chip receives the Transaction Information, and generates safety according to own key operation and test
Demonstrate,prove information.Specifically, secure storage chip obtains specific Transaction Information, and the safety certifications such as key saved using itself are believed
Breath, encryption generate secure authentication information.The information for participating in the operation of secure storage chip includes the amount of money, country code, terminal authentication
As a result, currency code, trade date, type of transaction, unpredictable number, using interaction feature, using transaction technology device and card
Verification result etc., the mistake that the symmetric key being stored in secure storage chip used in calculating process obtains after being dispersed
Journey key, and the process key of operation is all different every time, therefore the secure authentication information generated does not have repeatability, so as to
Guarantee transaction security.
Step S22: the secure storage chip of Internet of Things Payment Card returns to " obtaining Treatment Options " instruction response to Internet of Things
Secure authentication information is sent main control chip by the main control chip of Payment Card.I.e. secure storage chip will pass through own key meter
To secure authentication information feed back to main control chip.In this way, which Transaction Information is generated safety verification by Internet of Things Payment Card
The process of information is entirely to complete inside Internet of Things Payment Card, whole process do not need by external equipment (such as POS machine,
Bluetooth etc.) data interaction is carried out, it also needs not rely on external network and carries out data transmission, to improve Internet of Things Payment Card
Use limitation.
From above step it is found that in order to adapt to low-power consumption in Internet of Things Network Communication, low transmission rate, low data throughout, low
Data communication is largely focused on the inside of Internet of Things network interface card by the characteristics of connection amount, the application, to reduce data in network
The needs of middle transmitting.
By above step, the anti-fake certificate that Transaction Information itself has the function of with Internet of Things Payment Card can mutually be tied
It closes, carries out transaction security confirmation.And it is traditional without in card payment, such as Alipay, wechat are all to need to bind entity card first
Number.When payment, only the payment cipher by Alipay or wechat is guaranteed.That has given up that entity card itself has completely anti-fake recognizes
Function is demonstrate,proved, the safety of payment is also just reduced.Therefore, with the tradition for the safety verification for only relying on payment platform offer without card branch
It pays and compares, Internet of Things Payment Card can further guarantee the property safety of user.
Step S3: main control chip receives secure authentication information, and secure authentication information is fed back to payment platform.
Specifically, main control chip receives secure authentication information, and secure authentication information is fed back to payment by Internet of Things
Platform.
Further, further include step S01 before step S1: storing Internet of Things branch in the secure storage chip
Pay the secure authenticated information of card.It will be appreciated by persons skilled in the art that secure authenticated information herein refers to entity card
The anti-fake certificate function of itself, and this secure authenticated information is written in the production of Internet of Things Payment Card, is used for the later period
The foundation of trading information safety confirmation is carried out in journey.
In the embodiment of the present invention, external Transaction Information is received by the main control chip of Internet of Things Payment Card, passes through object
The secure storage chip of networking Payment Card carries out operation, generates secure authentication information, finally leads to obtained secure authentication information
The main control chip for crossing Internet of Things Payment Card is sent to external transaction platform.In this way, which Internet of Things can be utilized in payment on line
The antiforge function of itself of net Payment Card further ensures the safety of Internet of Things Payment Card, so that the property of user obtains more
Further ensure.Meanwhile Internet of Things Payment Card uses and carries out information transmitting between Internet of Things and transaction platform, due to Internet of Things
Low-power consumption this feature, so that Internet of Things Payment Card can use lesser battery reach prolonged use, thus also to set
The Internet of Things Payment Card of meter small size provides the foundation.
Embodiment two
The embodiment of the present invention provides a kind of Internet of Things Payment Card, in the working method such as embodiment one of the Internet of Things Payment Card
Described, this is repeated no more.As shown in figure 3, the Internet of Things Payment Card includes card 1, main control chip 2,3 and of secure storage chip
Battery 4.
Wherein, main control chip 2, secure storage chip 3 and battery are integrated in card 1, main control chip 2 and secure storage core
Piece 3 is electrically connected, and main control chip 2 is electrically connected with battery 4 with secure storage chip 3, and main control chip 2 is for receiving payment platform hair
The Transaction Information sent, and Transaction Information is sent to secure storage chip 3 and sends secure authentication information to outside；Safety is deposited
Storage chip 3 generates secure authentication information for receiving Transaction Information, and according to own key operation, then secure authentication information is anti-
It is fed to main control chip 2.Further, integrated circuit is electrically connected as between main control chip 2 and secure storage chip 3.This field
Technical staff is it is understood that main control chip 2 and secure storage chip 3 can also collect individually separately as two parts
It is integrally formed.In the embodiment of the present invention, since external Transaction Information also needs anti-fake the recognizing by Internet of Things Payment Card itself
It demonstrate,proves function and carries out trading information safety confirmation, therefore substantially increase the property safety of user.Simultaneously because Internet of Things is paid
The Internet of Things that card uses transmit with external information, and the characteristic of Internet of Things is low in energy consumption, it may therefore be assured that Internet of Things
The small volume of Payment Card, it is easy to carry.
Further, Internet of Things Payment Card provided in an embodiment of the present invention is connect by Internet of Things with payment platform.
Further, Internet of Things Payment Card provided in an embodiment of the present invention further includes Internet of Things antenna 5 and Internet of Things Network Communication
One end of chip 7, Internet of Things communication chip 7 is electrically connected with Internet of Things antenna 5, and the other end is electrically connected with main control chip 2, Internet of Things
Antenna 5 and 7 constituent networking signals R-T unit of Internet of Things communication chip, main control chip 2 are filled by the Internet of Things signal transmitting and receiving
It sets and sends and receivees external information.It will be appreciated by persons skilled in the art that antenna 5, main control chip 2 and Internet of Things Network Communication core
Electrical connection between piece 7 is integrated circuit, can guarantee the small in size of Internet of Things Payment Card using integrated circuit, synchronous signal passes
The speed passed is faster more stable.In the present embodiment, since Internet of Things Payment Card itself has signal receiving/transmission device, carrying out
Without borrowing additional equipment when having card payment, to reduce using threshold.
Further, Internet of Things Payment Card provided in an embodiment of the present invention further includes transaction key 9, transaction key 9 and master
It controls chip 2 to be electrically connected, transaction key 9 is for finally confirming Transaction Information.Transaction Information is carried out by transaction key 9
Final confirmation, to increase one layer of property safety guarantee to user, avoids drawing due to trojan horse or maloperation etc.
The property loss risen.
Further, Internet of Things Payment Card provided in an embodiment of the present invention further includes switching on and shutting down key 6, switching on and shutting down key 6
Whether power supply for controlling battery 4.It will be appreciated by persons skilled in the art that opening for the ease of observation switching on and shutting down key 6
It is disconnected, it is additionally provided with power supply indicator 8 in the present embodiment, is used to indicate cut-offfing for switching on and shutting down key 6.Specifically, when switching on and shutting down are pressed
When key 6 is connected to, power supply indicator 8 is in bright state, and when switching on and shutting down key 6 disconnects, power supply indicator 8 does not work.And it is arranged
The purpose of switching on and shutting down key 6 is, when being paid without using Internet of Things Payment Card, can to disconnect switching on and shutting down key 6, electric at this time
Pond 4 would not power, and so as to extend the use time of battery, achieve the purpose that extend Internet of Things Payment Card service life.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can easily think of the change or the replacement, and should all contain
Lid is within protection scope of the present invention.Therefore, protection scope of the present invention should be based on the protection scope of the described claims.
Claims (10)
1. a kind of Transaction Information confirmation method of Internet of Things Payment Card characterized by comprising
Step S1: the main control chip of Internet of Things Payment Card receives the Transaction Information that payment platform is sent, with Internet of Things Payment Card
Secure storage chip is established after connection, and the Transaction Information is sent to the secure storage chip；
Step S2: the secure storage chip receives the Transaction Information, and generates safety verification letter according to own key operation
Breath, feeds back to the main control chip for the secure authentication information；
Step S3: the main control chip receives the secure authentication information, and the secure authentication information is fed back to the branch
Pay platform；
The Internet of Things Payment Card has the function of anti-fake certificate, after the Transaction Information for receiving payment platform transmission, further includes
Transaction Information is combined with the anti-fake certificate that Internet of Things Payment Card has the function of itself, carries out transaction security confirmation.
2. the Transaction Information confirmation method of Internet of Things Payment Card according to claim 1, which is characterized in that step S1 it
Before further include:
Step S01: the secure authenticated information of Internet of Things Payment Card is stored in the secure storage chip.
3. the Transaction Information confirmation method of Internet of Things Payment Card according to claim 1, which is characterized in that step S1 is specific
It include: that the main control chip of Internet of Things Payment Card receives the transaction letter of payment platform transmission by Internet of Things antenna via Internet of Things
Breath, and connection is established with the secure storage chip of Internet of Things Payment Card, the Transaction Information is sent to Internet of Things Payment Card
Secure storage chip.
4. the Transaction Information confirmation method of Internet of Things Payment Card according to claim 1, which is characterized in that step S1: object
The Transaction Information that the main control chip reception payment platform of Payment Card of networking is sent, builds with the secure storage chip of Internet of Things Payment Card
After vertical connection, the Transaction Information is sent to the secure storage chip of Internet of Things Payment Card, specifically includes following sub-step:
Step S11: the main control chip of Internet of Things Payment Card sends selection " contactless payment environment " instruction to Internet of Things Payment Card
Secure storage chip；
Step S12: the secure storage chip of Internet of Things Payment Card returns to selection " contactless payment environment " instruction response to Internet of Things
The main control chip of net Payment Card；
Step S13: the main control chip of Internet of Things Payment Card sends the safety of selection " application identities " instruction to Internet of Things Payment Card
Storage chip；
Step S14: the secure storage chip of Internet of Things Payment Card returns to selection " application identities " instruction response to Internet of Things and pays
The main control chip of card；
Step S15: the main control chip of Internet of Things Payment Card sends the safety of " obtaining Treatment Options " instruction to Internet of Things Payment Card
Storage chip.
5. the Transaction Information confirmation method of Internet of Things Payment Card according to claim 4, which is characterized in that step S2: institute
It states secure storage chip and receives the Transaction Information, and secure authentication information is generated according to own key operation, by the safety
Verification information feeds back to the main control chip, includes following sub-step:
Step S21: the secure storage chip receives the Transaction Information, and generates safety verification letter according to own key operation
Breath；
Step S22: the secure storage chip of Internet of Things Payment Card returns to " obtaining Treatment Options " instruction response to Internet of Things and pays
Secure authentication information is sent main control chip by the main control chip of card.
It is the main control chip, described 6. a kind of Internet of Things Payment Card, including card, main control chip, secure storage chip and battery
Secure storage chip and the battery are integrated in the card, and the main control chip is electrically connected with the secure storage chip,
The main control chip is electrically connected with the battery with the secure storage chip, it is characterised in that:
The main control chip is used to receive the Transaction Information of payment platform transmission, and the Transaction Information is sent to the safety
Storage chip and to outside send secure authentication information；
The secure storage chip generates secure authentication information for receiving the Transaction Information, and according to own key operation,
The secure authentication information is fed back into the main control chip again；
The Internet of Things Payment Card has the function of anti-fake certificate, after the Transaction Information for receiving payment platform transmission, further includes
Transaction Information is combined with the anti-fake certificate that Internet of Things Payment Card has the function of itself, carries out transaction security confirmation.
7. Internet of Things Payment Card according to claim 6, which is characterized in that the Internet of Things Payment Card by Internet of Things with
Payment platform connection.
8. Internet of Things Payment Card according to claim 6, which is characterized in that the Internet of Things Payment Card further includes Internet of Things day
Line and Internet of Things communication chip, one end of the Internet of Things communication chip are electrically connected with the Internet of Things antenna, the other end and institute
Main control chip electrical connection is stated, the Internet of Things antenna and the Internet of Things communication chip form Internet of Things signal receiving/transmission device, institute
It states main control chip and external information is sended and received by the Internet of Things signal receiving/transmission device.
9. Internet of Things Payment Card according to claim 6, which is characterized in that further include transaction key, the transaction key
It is electrically connected with the main control chip, the transaction key is for finally confirming Transaction Information.
10. according to the described in any item Internet of Things Payment Cards of claim 6-9, which is characterized in that the main control chip with it is described
Secure storage chip is separately provided or becomes one.
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| CN201710216861.7A CN106991564B (en) | 2017-04-05 | 2017-04-05 | A kind of Internet of Things Payment Card and its Transaction Information confirmation method |
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| US9741033B2 (en) * | 2012-12-31 | 2017-08-22 | Piyush Bhatnagar | System and method for point of sale payment data credentials management using out-of-band authentication |
| CN205375541U (en) * | 2016-01-14 | 2016-07-06 | 深圳市华移科技有限公司 | Intelligent bank card of many blocks no. 1 |
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