CN107145932A - 基于rfid防伪的银行卡及其验证方法、制备方法 - Google Patents

基于rfid防伪的银行卡及其验证方法、制备方法 Download PDF

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CN107145932A
CN107145932A CN201710554954.0A CN201710554954A CN107145932A CN 107145932 A CN107145932 A CN 107145932A CN 201710554954 A CN201710554954 A CN 201710554954A CN 107145932 A CN107145932 A CN 107145932A
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bank card
chip
card
rfid tag
antenna
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吴柏生
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GUANGDONG CHUTIAN DRAGON SMART CARD CO Ltd
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GUANGDONG CHUTIAN DRAGON SMART CARD CO Ltd
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Priority to US15/675,170 priority patent/US20190012590A1/en
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Abstract

本发明涉及银行卡安全技术领域，具体公开了一种基于RFID防伪的银行卡及其验证方法。银行卡设置有RFID标签、IC芯片、天线、磁条，天线与IC芯片内的焊盘连接，RFID标签内设置有标签天线，银行卡还设置有卡号，IC芯片和磁条均存储有所述卡号。验证方法包括：绑定RFID标签的唯一标识号与卡号、IC芯片或/和磁条存储的数据，将绑定数据上传至鉴定服务器；读取待验证银行卡数据；将读取数据与存储的绑定数据进行匹配验证。本发明通过在银行卡中嵌入RFID标签，并利用RFID标签的唯一标识号，结合银行卡号、IC芯片/磁条存储的数据来进行匹配验证银行卡的合法性，相比于现有技术，该防伪方案简单高效且准确。

Description

基于RFID防伪的银行卡及其验证方法、制备方法
技术领域
本发明涉及银行卡安全技术领域，具体公开了一种基于RFID防伪的银行卡及其验证方法、制备方法。
背景技术
目前，市场上对银行卡遭克隆盗刷的事件屡见不鲜，据媒体报道，2016年4月至2017年3月，日本国内伪造银行卡从ATM机提现的损失额高达32亿日元（约合2亿元人民币）；给持卡人带来严重的经济损失。现有的银行卡一般分为磁条卡介质（多为境外使用）和磁条与IC复合卡介质（多为境内使用）两种，这类卡片存在防伪漏洞明显、易被仿造或破解等缺点。
发明内容
为了克服现有技术中存在的缺点和不足，本发明的目的在于提供一种安全可靠、防伪性能强的银行卡，具体地，提供一种基于RFID防伪的银行卡。
为实现上述目的，本发明采用如下方案。
一种基于RFID防伪的银行卡，银行卡设置有RFID标签、IC芯片、天线，天线与IC芯片内的焊盘连接，RFID标签内设置有标签天线，银行卡还设置有卡号，IC芯片存储有所述卡号；
或者，
银行卡设置有RFID标签和磁条，RFID标签内设置有标签天线，银行卡还设置有卡号，磁条存储有所述卡号；
或者，
银行卡设置有RFID标签、IC芯片、天线、磁条，天线与IC芯片内的焊盘连接，RFID标签内设置有标签天线，银行卡还设置有卡号，IC芯片和磁条均存储有所述卡号。
作为优选实施例，RFID标签为无源标签，工作频率为13.56MHz，通信协议遵循ISO/IEC 15693。
进一步地，RFID标签嵌于银行卡内。
作为优选实施例，IC芯片为双界面通信接口芯片，工作频率为13.56MHz，通信协议遵循ISO/IEC 14443。
进一步地，天线为无源天线，无源天线嵌于银行卡内；无源天线采用超声波碰焊工艺与IC芯片内的两个焊盘连接。
本发明还提供了一种基于RFID防伪的银行卡的防伪验证方法，包括：
将RFID标签的唯一标识号与银行卡号、IC芯片存储的数据、或/和磁条存储的数据进行绑定，并将绑定后的数据存储至鉴定服务器；
读取待验证银行卡的RFID标签的唯一标识号、读取IC芯片存储的数据或/和磁条存储的数据，并发送至鉴定服务器；
鉴定服务器将接收到的数据与存储的绑定数据进行匹配验证，如果数据一致，则判定银行卡合法，否则不合法。
进一步地，还包括，鉴定服务器将验证结果反馈给读取终端。
具体地，通过智能终端读取待验证银行卡的RFID标签的唯一标识号、读取IC芯片存储的数据或/和磁条存储的数据，智能终端同时支持ISO/IEC 15693和ISO/IEC 14443通信协议。
本发明还提供了一种计算机可读存储介质，存储有计算机程序，所述计算机程序被处理器执行以实现上述的防伪验证方法。
而且，本发明还提供了一种基于RFID防伪的银行卡的制备方法，包括：
将RFID标签嵌入银行卡内；
将磁条或/和IC芯片嵌于银行卡表面，将IC芯片的焊盘与天线连接，将天线嵌入银行卡内；
将银行卡号印制于银行卡表面。
作为优选实施例，采用超声波碰焊工艺将天线与IC芯片内的两个焊盘连接。
本发明的有益效果：
本发明通过在银行卡中嵌入RFID标签，并利用RFID标签的全球唯一标识号和银行卡号，结合IC芯片存储的数据或/和磁条存储的数据来进行匹配验证银行卡的合法性，相比于现有技术，该防伪方案简单高效，并能确保防伪验证的准确性。
附图说明
图1为本发明实施例的银行卡的结构布局示意图。
图2为本发明实施例的RFID标签的结构示意图。
图3为本发明实施例的天线与IC芯片的焊盘连接的示意图。
图4为本发明实施例的磁条的布局示意图。
具体实施方式
为了便于本领域技术人员的理解，下面结合实施例及附图对本发明作进一步的说明，实施方式提及的内容并非对本发明的限定。
RFID技术因其无接触的识别和全球唯一标识的特点，已展现出识别方面的优势。具体而言，RFID标签具有一个全球唯一的ID号码，即，唯一标识号，此唯一标识号作为RFID标签的物理地址，可读不可写，在制作标签时放入ROM后，则无法修改、无法伪造，确保其自身安全性和唯一性。
本发明利用RFID标签的全球唯一性，再加上和银行卡号、银行卡的IC芯片存储信息、磁条存储信息进行绑定，从而形成一种简单、高效且准确的防伪方案。
实施例一
本实施例提供了一种基于RFID防伪的银行卡，如图1所示，银行卡设置有RFID标签1、IC芯片3、天线5，IC芯片3设有焊盘4；天线5与IC芯片3内的焊盘4连接，天线5的作用在于实现IC芯片3的非接触式读取； RFID标签1内设置有标签天线2；银行卡还设置有卡号6，IC芯片3存储有所述卡号6。
RFID标签1为无源标签，工作频率为13.56MHz，通信协议遵循ISO/IEC 15693。
RFID标签1嵌入于银行卡片内层，在卡片表面无法看到。而且，RFID标签1的分布位置须避开IC芯片3及银行卡号6的区域，作为优选实施例，RFID标签1的尺寸控制在45×20mm以内。
IC芯片3为双界面通信接口芯片，嵌于银行卡片表面，工作频率为13.56MHz，通信协议遵循ISO/IEC 14443。双界面通信接口是指包括两种读取界面，一为接触式，二为非接触式；将IC芯片3设为双界面通信接口芯片，可以实现对IC芯片3的多种读取方式。而RFID标签1也为非接触式读取，工作频率可以有多种，在本实施例中，优选13.56MHz的工作频率，并且，将RFID标签1和IC芯片的工作频率都设为13.56MHz，是为了方便智能读取终端的设置，只需设置一个工作频率即可；同时，为了防止发生读取冲突或混乱，将两者的通信协议设置为不同，本实施例中优选将IC芯片3的通信协议设为ISO/IEC 14443，RFID标签1的通信协议则设为ISO/IEC 15693，这样使得两者可同时工作于同一频率，而不发生冲突。
天线5为无源天线，无源天线嵌入于银行卡内层，在卡片表面无法看到；无源天线采用超声波碰焊工艺与IC芯片3内的两个焊盘4连接，如图3所示。
银行卡号6为一组变量数据，可以通过智能设备将变量数据写入IC芯片3的存储区，从而保证被读取到的IC芯片3的存储数据与银行卡号6对应。
实施例二
目前，比较通用的银行卡有多种，IC芯片卡、磁条卡、或者IC芯片与磁条并存的银行卡，因此，可以根据不同地区的需求，制作不同种类的银行卡。
因此可以在实施例一提供的银行卡的基础上加设磁条7，可以将磁条7嵌于卡片表面，目视可见，如图4所示。优选地，磁条7为高抗磁条。
进一步地，可以通过智能设备将银行卡号6写入磁条7的磁道存储区，从而保证磁条7存储的数据、IC芯片3存储的数据与银行卡号6一一对应。
本实施例的其余特征与实施例一相同，在此不再赘述。
实施例三
如果某地区普遍选用磁条卡，那么则可以不设置IC芯片3，而只设置磁条7；即，银行卡设置有RFID标签1和磁条7、卡号6，将卡号6存储于磁条7中，RFID标签1内设置有标签天线2。
本实施例的其余特征与实施例二相同，在此不再赘述。
实施例四
本发明实施例还提供了一种基于RFID防伪的银行卡的防伪验证方法，包括：
预先，当银行发行IC芯片银行卡时，将银行卡的RFID标签1的唯一标识号与银行卡号6、IC芯片3存储的数据进行绑定，将绑定后的数据上传并存储至鉴定服务器；IC芯片3存储有银行卡号6，进一步地，银行还可以将个人信息，比如姓名、身份证号等个人标识存储于IC芯片3，并将该信息数据与RFID标签1的唯一标识号、银行卡号6进行绑定。
同理，当银行发行磁条银行卡时，则将银行卡的RFID标签1的唯一标识号与银行卡号6、磁条7存储的数据进行绑定，将绑定后的数据上传并存储至鉴定服务器。磁条7存储的数据包括但不限于银行卡号6、银行卡拥有者姓名、身份证号等。
当银行发行IC芯片加磁条的银行卡时，则将银行卡的RFID标签1的唯一标识号与银行卡号6、IC芯片3存储的数据、磁条7存储的数据进行绑定，并将绑定数据上传并存储至鉴定服务器。
当银行卡被使用时，通过智能终端（比如读卡器，或者带有读卡功能的移动终端等）读取银行卡的信息，为了实现对上述防伪银行卡信息的读取，智能终端需同时支持ISO/IEC15693和ISO/IEC14443通信协议，然后，智能终端将读取到的RFID标签1的唯一标识号、IC芯片3存储的数据、磁条7存储的数据发送至鉴定服务器。
鉴定服务器将接收到的数据与预先存储的绑定数据进行匹配验证，如果数据一致，则判定银行卡合法，否则不合法。鉴定服务器将验证结果反馈给智能终端，以便让智能读取终端及时获知银行卡是否合法，从而达到防伪效果。
本领域普通技术人员可以理解：实现上述方法实施的全部或部分步骤可以通过程序指令相关的硬件来完成，前述程序可以存储于一计算机可读取存储介质中，该程序在执行时，执行包括上述方法实施例的步骤；而前述存储介质包括：ROM、RAM、磁盘或者光盘等各种可以存储程序代码的介质。
本发明实施例通过在银行卡中嵌入RFID标签，利用RFID标签的全球唯一标识号，并结合银行卡号、IC芯片存储的数据、磁条存储的数据来进行匹配验证银行卡的合法性，该防伪验证方法简单高效且精准。
本发明实施例通过智能终端读取RFID标签的标识号和IC芯片存储的数据或者磁条存储的数据，由于RFID标签的标识ID是全球唯一且不可变的，IC芯片或磁条存储的银行卡号也是唯一的，合法的银行卡中，RFID标签的标识ID与银行卡号是一对一地对应匹配；假如是伪造的非法银行卡，在IC芯片或磁条复制其它银行卡的卡号等信息，但由于RFID标签的标识ID不可复制，因此在验证过程中也无法通过验证，对合法卡和非法卡可以给予准确判断，从而实现验证的准确性；而且，可以首先进行RFID标签标识ID的匹配验证，标识ID匹配不通过，马上可以得出银行卡为非法卡的验证结论，实现了验证的高效性。
综上，本发明实施例避免了磁条或芯片中的信息被读取、复制从而使得银行卡被伪造的风险，显著提高了银行卡的安全性和防伪性能；本发明实施例的方法直接利用RFID标识号、卡号和存储数据来进行匹配验证合法性，通过智能终端读取上述数据，一旦发生任何一个数据不匹配，则可以判定为银行卡非法；现有技术中，一般均通过各种复杂的加密验证算法来加密数据进行防伪，相比于现有技术，本发明实施例提供的银行卡及其防伪验证方法，十分简单、高效，并能确保验证的准确性。
实施例五
本发明实施例还提供了一种基于RFID防伪的银行卡的制备方法。具体包括以下步骤：
将RFID标签1和天线5嵌入银行卡内，如图1所示；其中，RFID标签1包括标签天线2（如图2所示），RFID标签1的尺寸应小于天线5的尺寸，如图1所示，右上角的条纹框为RFID标签1，与IC芯片3连接的条纹框为天线5；将RFID标签1嵌入卡片内层，因此在卡片表面无法看到；
将IC芯片3嵌于银行卡表面，如图1所示，IC芯片3的嵌入位置应符合ISO/IEC7816标准；IC芯片3一般含有两个焊盘4，将IC芯片3的焊盘4与天线5连接，如图3所示；
将银行卡号6印制于银行卡表面；卡号印制工艺可以采用凸印、平印、凹印及激光蚀刻等。
银行卡还可以设置磁条7，可以将磁条7嵌于银行卡表面，如图4所示，嵌入位置应符合ISO/IEC 7811标准。
上述步骤不分先后顺序，可根据实际需要或方便性进行操作。
一般而言，会将IC芯片3和银行卡号6放置于银行卡第1层，即，银行卡表面（也是银行卡正面）；将天线5放置于银行卡第2层，第2层位于第1层下面；将RFID标签1放置于第3层，第3层位于第2层下面；将磁条7放置于第4层，第4层位于第3层下面，第4层也是银行卡表面层，即，银行卡背面，如图4所示。
以上内容仅为本发明的较佳实施例，对于本领域的普通技术人员，依据本发明的思想，在具体实施方式及应用范围上均会有改变之处，本说明书内容不应理解为对本发明的限制。

Claims (10)

1.一种基于RFID防伪的银行卡，其特征在于，
银行卡设置有RFID标签、IC芯片、天线，天线与IC芯片内的焊盘连接，RFID标签内设置有标签天线，银行卡还设置有卡号，IC芯片存储有所述卡号；
或者，
银行卡设置有RFID标签和磁条，RFID标签内设置有标签天线，银行卡还设置有卡号，磁条存储有所述卡号；
或者，
银行卡设置有RFID标签、IC芯片、天线、磁条，天线与IC芯片内的焊盘连接，RFID标签内设置有标签天线，银行卡还设置有卡号，IC芯片和磁条均存储有所述卡号。
2.根据权利要求1所述的基于RFID防伪的银行卡，其特征在于，RFID标签为无源标签，工作频率为13.56MHz，通信协议遵循ISO/IEC 15693。
3.根据权利要求1所述的基于RFID防伪的银行卡，其特征在于，IC芯片为双界面通信接口芯片，工作频率为13.56MHz，通信协议遵循ISO/IEC 14443。
4.根据权利要求1所述的基于RFID防伪的银行卡，其特征在于，RFID标签嵌于银行卡内；天线为无源天线，无源天线嵌于银行卡内；无源天线采用超声波碰焊工艺与IC芯片内的两个焊盘连接。
5.一种基于RFID防伪的银行卡的防伪验证方法，其特征在于，包括：
将RFID标签的唯一标识号与银行卡号、IC芯片存储的数据、或/和磁条存储的数据进行绑定，并将绑定后的数据存储至鉴定服务器；
读取待验证银行卡的RFID标签的唯一标识号、读取IC芯片存储的数据或/和磁条存储的数据，并发送至鉴定服务器；
鉴定服务器将接收到的数据与存储的绑定数据进行匹配验证，如果数据一致，则判定银行卡合法，否则不合法。
6.根据权利要求5的防伪验证方法，其特征在于，还包括，鉴定服务器将验证结果反馈给读取终端。
7.根据权利要求5的防伪验证方法，其特征在于，通过智能终端读取待验证银行卡的RFID标签的唯一标识号、读取IC芯片存储的数据或/和磁条存储的数据，智能终端同时支持ISO/IEC 15693和ISO/IEC 14443通信协议。
8.一种计算机可读存储介质，存储有计算机程序，所述计算机程序被处理器执行以实现权利要求5至7任意一项所述的防伪验证方法。
9.一种基于RFID防伪的银行卡的制备方法，其特征在于，包括：
将RFID标签嵌入银行卡内；
将磁条或/和IC芯片嵌于银行卡表面，将IC芯片的焊盘与天线连接，将天线嵌入银行卡内；
将银行卡号印制于银行卡表面。
10.根据权利要求9的银行卡制备方法，其特征在于，采用超声波碰焊工艺将天线与IC芯片内的两个焊盘连接 。
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