CN107423804B - Smart card, smart card management system and management method - Google Patents

Smart card, smart card management system and management method Download PDF

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Publication number
CN107423804B
CN107423804B CN201710589377.9A CN201710589377A CN107423804B CN 107423804 B CN107423804 B CN 107423804B CN 201710589377 A CN201710589377 A CN 201710589377A CN 107423804 B CN107423804 B CN 107423804B
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chip
dimensional code
smart card
cloud server
data
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CN107423804A (en
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闫河
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Gaozhesi Technology Guangzhou Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/0772Physical layout of the record carrier
    • G06K19/07722Physical layout of the record carrier the record carrier being multilayered, e.g. laminated sheets
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3823Payment protocols; Details thereof insuring higher security of transaction combining multiple encryption tools for a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409Device specific authentication in transaction processing
    • G06Q20/4093Monitoring of device authentication

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Hardware Design (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention provides an intelligent card, an intelligent card management system and a management method, wherein the intelligent card comprises a card surface layer, a middle layer and a card bottom layer which are sequentially and tightly connected, the middle layer comprises an IC chip and conductive ink which is uniformly distributed, the card surface layer comprises a two-dimensional code and a chip hole through which the IC chip passes, the two-dimensional code contains coding information related to the IC chip in the system, and the two-dimensional code is uniquely corresponding to the IC chip. According to the intelligent card, the intelligent card management system and the intelligent card management method, the IC chip and the two-dimensional code uniquely corresponding to the IC chip are arranged on the intelligent card, so that financial operation can be implemented after double authentication is performed on the intelligent card, and the safety risk of user property can be reduced.

Description

Smart card, smart card management system and management method
Technical Field
The invention relates to a smart card, a smart card management system and a smart card management method.
Background
At present, the financial IC card technology is mature, and has been widely applied to finance, telecommunication, transportation, trade and trade, social security, tax, medical treatment, insurance and the like, and almost covers all public utilities. However, with the continuous improvement of information technology, the existing financial IC card is easily copied and stolen by lawbreakers, and then economic loss is brought to users.
Disclosure of Invention
The invention aims to solve the technical problem of providing an intelligent card, an intelligent card management system and a management method.
In order to solve the technical problems, the technical scheme provided by the invention is as follows:
in a first aspect, the invention provides a smart card, which comprises a card surface layer, an intermediate layer and a card bottom layer which are tightly connected in sequence, wherein the intermediate layer comprises an IC chip and uniformly distributed conductive ink, the card surface layer comprises a two-dimensional code and a chip hole for the IC chip to pass through, the two-dimensional code contains coding information related to the IC chip in a system, and the two-dimensional code is uniquely corresponding to the IC chip.
Further, the IC chip is an RFID chip, an LC series resonance circuit is arranged in the RFID chip, and the resonance frequency of the LC series resonance circuit is 13.56 MHz.
Further, the two-dimensional Code is a two-dimensional Code in the form of a QR Code.
In a second aspect, the invention provides a smart card management system for managing a smart card, comprising the smart card, a cloud server, a user terminal, a first chip recognizer, a second chip recognizer and a two-dimensional code scanner;
the intelligent card is used for the user to perform financial operation;
the first chip recognizer is used for reading chip data in an IC chip on the smart card and sending the chip data to the cloud server;
the two-dimensional code scanner is used for scanning the two-dimensional code on the intelligent card to obtain the coded information uniquely corresponding to the IC chip and sending the coded information to the cloud server;
the cloud server is used for receiving and storing the chip data sent by the first chip reader and the coding information sent by the two-dimensional code scanner, and binding the coding information with the chip data to obtain associated data;
the second chip recognizer is used for reading chip data in the IC chip on the intelligent card and sending the chip data to the cloud server;
the user terminal is used for scanning the two-dimensional code on the intelligent card and sending scanning result data to the cloud server;
and the cloud server is also used for respectively matching the chip data sent by the second chip recognizer and the scanning result data sent by the user terminal with the associated data so as to identify the authenticity of the intelligent card and judge whether financial operation can be executed or not.
Further, the cloud server comprises a first information binding module, and the first information binding module is used for recording the model information of the user terminal when the two-dimensional code is scanned for the first time.
Further, the user terminal is a mobile phone or a PC.
Further, the first chip reader is an RFID reader;
the second chip recognizer is an RFID recognizer.
In a third aspect, the present invention provides a smart card management method, including,
the first chip recognizer reads chip data in an IC chip on the smart card and sends the chip data to the cloud server;
the two-dimensional code scanner scans the two-dimensional code on the intelligent card to obtain the coded information uniquely corresponding to the IC chip and sends the coded information to the cloud server;
the cloud server receives and stores the chip data sent by the first chip reader and the coding information sent by the two-dimensional code scanner, and binds the coding information with the chip data to obtain associated data;
the second chip recognizer reads chip data in the IC chip on the intelligent card and sends the chip data to the cloud server;
the user terminal scans the two-dimensional code on the smart card and sends scanning result data to the cloud server;
and the cloud server is used for respectively matching the chip data sent by the second chip recognizer and the scanning result data sent by the user terminal with the associated data so as to identify the authenticity of the intelligent card and judge whether financial operation can be executed or not.
Further, the cloud server records the model information of the user terminal when the two-dimensional code is scanned for the first time.
Further, the user terminal is a mobile phone or a PC.
According to the intelligent card, the intelligent card management system and the intelligent card management method, the IC chip and the two-dimensional code uniquely corresponding to the IC chip are arranged on the intelligent card, so that financial operation can be implemented after double authentication is performed on the intelligent card, and the safety risk of user property can be reduced.
Drawings
FIG. 1 is a schematic structural diagram of a smart card provided by an embodiment of the present invention;
FIG. 2 is a schematic diagram of a layer structure of a smart card provided by an embodiment of the invention;
FIG. 3 is a block diagram of a smart card management system according to an embodiment of the present invention;
fig. 4 is a flowchart of a smart card management method according to an embodiment of the present invention.
Detailed Description
The invention is further illustrated by the following specific examples, which, however, are to be construed as merely illustrative, and not limitative of the remainder of the disclosure in any way whatsoever.
Example one
With reference to fig. 1 and fig. 2, the smart card 100 provided in this embodiment includes a card surface layer 1, an intermediate layer 2, and a card bottom layer 3, which are tightly connected in sequence, and the intermediate layer 2 includes an IC chip 5 and conductive ink 6 uniformly distributed, and the card surface layer 1 includes a two-dimensional code 4 and a chip hole 7 for the IC chip 5 to pass through, where the two-dimensional code 4 contains encoded information related to the IC chip 5 in the system, and the two-dimensional code 4 uniquely corresponds to the IC chip 5.
According to the smart card 100 provided by the embodiment of the invention, the IC chip 5 and the two-dimensional code 4 uniquely corresponding to the IC chip 5 are arranged on the smart card 100, so that financial operation can be implemented after double authentication is performed on the smart card 100, and the security risk of user property can be reduced.
Preferably, the IC chip 5 is an RFID chip, and an LC series resonant circuit is disposed in the RFID chip, and the resonant frequency of the LC series resonant circuit is 13.56 MHz. In this embodiment, the IC chip 5 is an RFID chip, and a chip using a radio frequency technology has better practicability, and meets social development requirements. Further, the resonance frequency of the LC series resonant circuit in the RFID chip in this embodiment is 13.56 MHz. It should be noted that, in this embodiment, the resonant frequency of the LC series resonant circuit in the RFID chip is not specifically limited, and may be selected according to actual requirements.
Further preferably, the two-dimensional Code 4 is a two-dimensional Code 4 in the form of a QR Code. In this embodiment, the two-dimensional Code 4 in the QR Code format has a high reading speed. It should be noted that, in the present embodiment, the specific form of the two-dimensional code 4 is not specifically limited, and may be set according to actual development requirements.
Example two
With reference to fig. 3, the smart card management system provided in this embodiment manages a smart card 100, which includes the smart card 100, a cloud server 200, a user terminal 300, a first chip identifier 400, a second chip identifier 500, and a two-dimensional code scanner 600;
a smart card 100 for a user to perform financial operations;
the first chip recognizer 400 is configured to read chip data in the IC chip 5 on the smart card 100 and send the chip data to the cloud server 200;
the two-dimensional code scanner 600 is configured to scan the two-dimensional code 4 on the smart card 100 to obtain encoding information uniquely corresponding to the IC chip 5, and send the encoding information to the cloud server 200;
the cloud server 200 is configured to receive and store the chip data sent by the first chip reader 400 and the encoding information sent by the two-dimensional code scanner 600, and bind the encoding information and the chip data to obtain associated data;
the second chip recognizer 500 is configured to read chip data in the IC chip 5 on the smart card 100 and send the chip data to the cloud server 200;
the user terminal 300 is configured to scan the two-dimensional code 4 on the smart card 100 and send scan result data to the cloud server 200;
the cloud server 200 is further configured to match the chip data sent by the second chip identifier 500 and the scan result data sent by the user terminal 300 with the associated data, respectively, so as to identify the authenticity of the smart card 100 and determine whether a financial operation can be performed.
According to the intelligent card management system provided by the embodiment of the invention, the IC chip 5 and the two-dimensional code 4 uniquely corresponding to the IC chip 5 are arranged on the intelligent card 100, so that the user can perform operations such as consumption and the like in a code scanning verification mode through a mobile phone while swiping the card, double authentication is performed on the intelligent card 100, and the security risk of the property of the user can be reduced.
Preferably, the cloud server 200 includes a first information binding module, and the first information binding module is configured to record model information of the user terminal 300 when the two-dimensional code 4 is scanned for the first time. In this embodiment, the model information of the user terminal 300 when the two-dimensional code 4 is scanned for the first time is recorded, so that the economic loss caused by the theft of the mobile phone of the user can be further prevented.
Further preferably, the user terminal 300 is a mobile phone or a PC.
Further preferably, the first chip reader 400 is an RFID reader; the second chip reader 500 is an RFID reader.
EXAMPLE III
With reference to fig. 4, the smart card management method provided in this embodiment includes,
step S1: the first chip recognizer 400 reads chip data in the IC chip 5 on the smart card 100 and sends the chip data to the cloud server 200;
step S2: the two-dimensional code scanner 600 scans the two-dimensional code 4 on the smart card 100 to obtain the encoding information uniquely corresponding to the IC chip 5, and sends the encoding information to the cloud server 200;
step S3: the cloud server 200 receives and stores the chip data sent by the first chip reader 400 and the coding information sent by the two-dimensional code scanner 600, and binds the coding information with the chip data to obtain associated data;
step S4: the second chip recognizer 500 reads chip data in the IC chip 5 on the smart card 100 and sends the chip data to the cloud server 200;
step S5: the user terminal 300 scans the two-dimensional code 4 on the smart card 100 and sends scanning result data to the cloud server 200;
step S6: the cloud server 200 matches the chip data sent by the second chip recognizer 500 and the scan result data sent by the user terminal 300 with the associated data, respectively, to authenticate the authenticity of the smart card 100 and determine whether a financial operation can be performed.
According to the intelligent card management method provided by the embodiment of the invention, the IC chip 5 and the two-dimensional code 4 uniquely corresponding to the IC chip 5 are arranged on the intelligent card 100, so that the user can perform operations such as consumption and the like in a code scanning and verification mode through a mobile phone while swiping the card, double authentication is performed on the intelligent card 100, and the security risk of the property of the user can be reduced.
Preferably, the cloud server 200 records model information of the user terminal 300 when the two-dimensional code 4 is scanned for the first time. In this embodiment, the model information of the user terminal 300 when the two-dimensional code 4 is scanned for the first time is recorded, so that the economic loss caused by the theft of the mobile phone of the user can be further prevented.
Further preferably, the user terminal 300 is a mobile phone or a PC.
Further preferably, the first chip reader 400 is an RFID reader; the second chip reader 500 is an RFID reader.
Although the present invention has been described to a certain extent, it is apparent that appropriate changes in the respective conditions may be made without departing from the spirit and scope of the present invention. It is to be understood that the invention is not limited to the described embodiments, but is to be accorded the scope consistent with the claims, including equivalents of each element described.

Claims (7)

1. A smart card management system manages a smart card and is characterized by comprising the smart card, a cloud server, a user terminal, a first chip recognizer, a second chip recognizer and a two-dimensional code scanner;
the intelligent card comprises a card surface layer, an intermediate layer and a card bottom layer which are tightly connected in sequence, wherein the intermediate layer comprises an IC chip and conductive ink which is uniformly distributed, the card surface layer comprises a two-dimensional code and a chip hole for the IC chip to pass through, the two-dimensional code contains coding information related to the IC chip in a system, and the two-dimensional code is uniquely corresponding to the IC chip;
the intelligent card is used for financial operation of a user;
the first chip recognizer is used for reading chip data in an IC chip on the smart card and sending the chip data to the cloud server;
the two-dimensional code scanner is used for scanning the two-dimensional code on the intelligent card to obtain the coded information uniquely corresponding to the IC chip and sending the coded information to the cloud server;
the cloud server is used for receiving and storing chip data sent by the first chip reader and coding information sent by the two-dimensional code scanner, and binding the coding information and the chip data to obtain associated data;
the second chip recognizer is used for reading chip data in an IC chip on the intelligent card and sending the chip data to a cloud server;
the user terminal is used for scanning the two-dimensional code on the smart card and sending scanning result data to the cloud server;
the cloud server is further configured to match the chip data sent by the second chip recognizer and the scanning result data sent by the user terminal with the associated data respectively, so as to identify the authenticity of the smart card and judge whether financial operations can be executed or not.
2. The smart card management system of claim 1, wherein the cloud server comprises a first information binding module, and the first information binding module is configured to record user terminal model information when the two-dimensional code is scanned for the first time.
3. The smart card management system of claim 1, wherein the user terminal is a mobile phone or a PC.
4. The smart card management system of claim 1,
the first chip recognizer is an RFID recognizer;
the second chip recognizer is an RFID recognizer.
5. A smart card management method, comprising,
the first chip recognizer reads chip data in an IC chip on the smart card and sends the chip data to the cloud server;
the two-dimensional code scanner is used for scanning the two-dimensional code on the intelligent card to obtain the coded information uniquely corresponding to the IC chip and sending the coded information to the cloud server;
the cloud server receives and stores chip data sent by the first chip reader and coding information sent by the two-dimensional code scanner, and binds the coding information with the chip data to obtain associated data;
the second chip recognizer reads chip data in the IC chip on the intelligent card and sends the chip data to the cloud server;
the user terminal scans the two-dimensional code on the smart card and sends scanning result data to the cloud server;
and the cloud server is used for respectively matching the chip data sent by the second chip recognizer and the scanning result data sent by the user terminal with the associated data so as to identify the authenticity of the intelligent card and judge whether financial operation can be executed or not.
6. The smart card management method according to claim 5, further comprising the cloud server recording user terminal model information when the two-dimensional code is scanned for the first time.
7. The smart card management method according to claim 5, wherein the user terminal is a mobile phone or a PC.
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CN110287743A (en) * 2019-05-01 2019-09-27 上海明我信息技术有限公司 A kind of intelligent meal card system
CN112737642A (en) * 2021-02-06 2021-04-30 深圳市租电智能科技有限公司 Smart card and control system thereof

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