CN109615054B - Intelligent card - Google Patents
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- CN109615054B CN109615054B CN201811127673.8A CN201811127673A CN109615054B CN 109615054 B CN109615054 B CN 109615054B CN 201811127673 A CN201811127673 A CN 201811127673A CN 109615054 B CN109615054 B CN 109615054B
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Classifications
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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
- G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
- G06K19/07309—Means for preventing undesired reading or writing from or onto record carriers
- G06K19/07345—Means for preventing undesired reading or writing from or onto record carriers by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
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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
- G06K19/07707—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 display, e.g. LCD or electronic ink
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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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Hardware Design (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Computer Networks & Wireless Communication (AREA)
- General Engineering & Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Storage Device Security (AREA)
- Credit Cards Or The Like (AREA)
Abstract
The application discloses a smart card, which is provided with two safety chips, wherein the card has three working states under the control of a working state switching circuit; in the thermal storage state, the first safety chip is powered off, the second safety chip is powered on, and the second safety chip has the function of a cold electronic wallet; in the cold-heat exchange state, the first and second safety chips are electrified and are in an off-line state, and data interaction can be carried out between the first and second safety chips; in the thermal storage state, the second security chip is powered off, the first security chip has the functions of a conventional financial card and a hot electronic wallet, and therefore the smart card has the functions of a cold and hot electronic wallet and a conventional financial card, the expansion and the extension of the application of the conventional financial smart card to the digital currency field are greatly facilitated, when the second security chip is powered on, the smart card is in an off-line state, the security of an account in the second security chip is ensured, and in the embodiment, the cold and hot storage states of the smart card are electrically and physically isolated based on a power supply circuit, and the security is high.
Description
Technical Field
The application relates to the technical field of smart cards, in particular to a smart card.
Background
In digital money systems, storage of digital money is classified into cold storage and hot storage.
Cold storage is also called off-line storage, i.e. storage in a non-networked quarantine state, in which when digital currency is not needed, the currency is placed in a cold storage environment, and a malicious attacker cannot steal or maliciously destroy the currency through a network environment due to the quarantine of the state. The cold storage has the advantages of being in a network isolation state and high in safety; the disadvantage is also significant, namely the need to independently build or create a cold storage hardware environment. The security of the cold storage environment has led to the development of a variety of expensive cold electronic wallets (stand-alone embedded environments equipped with cold storage environments, their appearance like internet bank and security, or password embedded systems shaped like mobile terminals with displays) products and applications.
The thermal storage is also called online storage, an application environment with the thermal storage is called hot electronic wallet, and the hot electronic wallet used for online transfer of digital money at any time in a networking environment, such as a computer client, a mobile terminal Application (APP), a webpage and the like, can be used for online transfer of digital money, and public and private keys of the digital money and storage of sensitive identity information are all thermal storage. The advantage is that it is convenient to use, networking operation money transfer (trade) efficiency is high at any time; the disadvantage is that in the networking state, once a network malicious attack, such as malicious surveillance, remote manipulation, directly threatens the online thermal storage environment, resulting in a loss of money, which is at great risk in case of a large amount of money. In the prior art, the convenience of thermal storage is not an alternative to cold storage methods.
At present, a cold electronic wallet and a hot electronic wallet generally exist independently, and a financial device capable of playing the safety advantage of cold storage and meeting the convenience advantage of hot storage is lacking in the prior art.
Disclosure of Invention
The embodiment of the application mainly aims to provide a smart card, which improves the convenience of using a cold storage technology.
To achieve the above object, an embodiment of the present application provides a smart card, including: the device comprises a first safety chip, a second safety chip, a working state switching circuit and a power supply circuit;
the power supply circuit is used for supplying power to the smart card;
the working state switching circuit is respectively connected with the first safety chip, the second safety chip and the power supply circuit, and is used for switching the working state of the intelligent card, wherein the intelligent card has the following three working states: a cold storage state, a cold heat exchange state, and a hot storage state;
the first security chip is powered off and the second security chip is powered on in the cold storage state, and the second security chip stores account information of a user using a digital currency account based on a cold electronic wallet technology;
in the cold-hot exchange state, the first safety chip and the second safety chip are electrified, and the second safety chip has the function of performing data interaction with the first safety chip;
in the thermal storage state, the first security chip is powered on and the second security chip is powered off, the first security chip having the function of a conventional financial card and the function of a hot electronic wallet.
The embodiment of the application provides a smart card, wherein two security chips are arranged in the smart card, and the smart card of the embodiment has three working states under the control of a working state switching circuit; in the thermal storage state, the first safety chip is powered off, the second safety chip is powered on, and the second safety chip can provide the function of a cold electronic wallet; in the cold-heat exchange state, the first and second security chips are electrified and are in a non-networking state, and data interaction can be carried out between the first security chip and the second security chip; in the thermal storage state, the second security chip is powered off, the first security chip has the functions of a conventional financial card and a hot electronic wallet, based on the setting of the smart card, the smart card of the embodiment has the functions of a cold and hot electronic wallet and a conventional financial card, the expansion and extension of the application of the conventional financial smart card to the digital currency field are greatly benefited, when the second security chip is powered on, the smart card is in a non-networking state, the security of an account in the second security chip is ensured, and the cold and hot storage states of the smart card in the embodiment are electrically and physically isolated based on a power supply circuit, so that malicious attacks from a network can be effectively resisted, and the smart card has high security.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are necessary for the description of the embodiments or the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the application and that other drawings may be obtained from them without inventive effort for a person skilled in the art.
Fig. 1 is a schematic structural diagram of a smart card according to an embodiment of the present application;
FIG. 2 is a schematic diagram of another smart card according to an embodiment of the present application;
FIG. 3 is a schematic diagram of another smart card according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of another smart card according to an embodiment of the present application.
Detailed Description
In order to make the objects, features and advantages of the present application more comprehensible, the technical solutions in the embodiments of the present application will be clearly described in conjunction with the accompanying drawings in the embodiments of the present application, and it is apparent that the described embodiments are only some embodiments of the present application, but not all embodiments of the present application. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
At present, digital money items are very popular transaction items, and in the transaction of digital money, cold storage is favored by users with high security, but the current cold electronic wallet is lack of convenience in use, and cannot bring good use experience to users.
In order to make it possible for a user to use the cold electronic wallet more conveniently, an embodiment of the present application proposes a smart card, see fig. 1, comprising:
a first security chip 11 and a second security chip 12, an operating state switching circuit 13, and a power supply circuit 14;
the power supply circuit 14 is used for supplying power to the smart card;
the working state switching circuit 13 is respectively connected with the first security chip 11, the second security chip 12 and the power supply circuit 14, and the working state switching circuit 13 is used for switching the working state of the smart card, wherein the smart card has the following three working states: a cold storage state, a cold heat exchange state, and a hot storage state;
in the cold storage state, the first security chip 11 is powered off, the second security chip 12 is powered on, and the second security chip 12 stores account information of a user using a digital currency account based on a cold electronic wallet technology;
in the cold-heat exchange state, the first security chip 11 and the second security chip 12 are electrified, and the second security chip 12 has the function of data interaction with the first security chip 11;
in the thermal storage state, the first security chip 11 is powered on and the second security chip 12 is powered off, the first security chip having the function of a conventional financial card and the function of a hot electronic wallet.
According to the embodiment, the cold electronic wallet and the cold storage environment thereof and the safe interaction environment from the cold electronic wallet to the hot electronic wallet are realized on one smart card, the cold storage environment and the hot storage environment provided by the smart card in the embodiment are electrically and physically isolated based on the power supply circuit, malicious attacks from a network can be effectively resisted through the physical isolation, the security is high, and the smart card has the functions of cold storage and hot storage, and the convenience is higher.
In this embodiment, the power supply circuit 14 may be directly or indirectly connected to the first security chip 11, the second security chip 12, and the operating state switching circuit 13, and supplies power to the first security chip 11, the second security chip 12, and the operating state switching circuit 13 when necessary.
The first security chip 11 and the second security chip 12 in this embodiment may be chips with higher security, for example, a financial security chip, which has been tested in the fields of finance, social security, sanitation and the like by hundreds of millions of security markets, and can effectively resist side channels, error injection, physical intrusion attacks and the like for integrated circuits, and the security of the financial security chip is far higher than that of a traditional PC or mobile terminal APP even in a thermal storage state.
Optionally, the smart card packaging appearance form is adopted in the embodiment, so that the smart card packaging structure can be conveniently placed in a daily wallet and a card bag of a user, and is convenient to carry. Optionally, the thickness of the smart card in this embodiment does not exceed the thickness of the conventional financial card, and the length and width of the smart card are matched with the length and width requirements of the conventional financial card.
In this embodiment, the first security chip 11 and the second security chip 12 are embedded with software modules, and optionally, the second security chip 12 is embedded with software required for implementing cold storage, such as a cold electronic wallet application, and the first security chip 11 is stored with software for implementing a hot storage function (such as a hot electronic wallet application) and software of some conventional financial functions. The types of smart cards having financial functions in the present embodiment include, but are not limited to, bank cards, financial social security cards, resident health cards, and the like.
In this embodiment, the first security chip 11 and the second security chip 12 may be interconnected by a universal input/output (I/O) interface, such as a serial peripheral interface (Serial Peripheral Interface, SPI), a bus interface (Inter-Integrated Circuit, I2C), or the like, but not limited to these interfaces. It will be appreciated that the interconnection of the first security chip 11 and the second security chip 12 does not represent any communication between them, but only when the connection between the first security chip and the second security chip is conductive (i.e. in a cold-hot exchange state). The connection between the first and second security chips 11 and 12 is turned on and off by the operating state switching circuit 13, and the specific case of the circuit connection between the operating state switching circuit 13 and the first and second security chips 11 and 12 depends on the specific structures of the first and second security chips 11, 12 and the operating state switching circuit 13, which is not limited in this embodiment.
Alternatively, software for generating a random number and/or a public key code may be installed on both the first security chip 11 and the second security chip 12 of the present embodiment; alternatively, the first security chip 11 and the second security chip 12 are provided with a random number generator circuit and a public key cryptographic algorithm circuit.
In this embodiment, in the cold-hot exchange state, the first security chip 11 and the second security chip 12 may communicate with each other, and data interacted therebetween includes, but is not limited to, account information of a digital money account, for example, in the cold-hot exchange state, the second security chip 12 transmits account information of a user in a digital money account (denoted as a for convenience of explanation) stored by itself to the first security chip 11, and then, in the hot storage state, the first security chip 11 may complete a transaction with respect to account information of the user in the digital money account a. Generally, in the digital money agreement, the old user needs to be discarded after the transaction with the digital money account and the new user is used to store the user's digital money with the digital money account, so in this embodiment, the user is discarded after the transaction with the digital money account a, and the first security chip is used to store the digital money after the transaction with the account digital money account with the new user. In this embodiment, these new user accounts may be generated by the second security chip 12 and/or by the first security chip 11 without limitation.
Optionally, in the cold storage state, the second security chip 12 has a function of generating and storing account information of the spare digital money account; and/or, in the cold-hot exchange state, the first and second security chips 11 and 12 have a function of generating account information of the spare digital money account. After the digital money transaction, a new user in-use account digital money account for storing digital money may be selected from the alternate digital money accounts.
In this embodiment, the account information of the digital currency account includes, but is not limited to, an address and a private key of the digital currency account, and in one example, the account information of the digital currency account may further include a public key corresponding to the private key in the account information. In this embodiment, the first security chip and the second security chip may generate a public-private key pair and derive an address according to the public key, so as to obtain account information of the digital currency account.
Alternatively, when the standby digital money accounts are generated in the second security chip 12 and the first security chip 11, N standby digital money accounts may be generated at a time, for example, 100 standby digital money accounts may be generated at a time, and the specific number may be set according to actual needs or the capabilities of the second security chip 12 and the first security chip 11, which is not limited in this embodiment. Further, N is not lower than the number of destination addresses at which the user transfers (transacts) digital money.
In this embodiment, the smart card has a function of changing the storage state of the user account in digital money from a cold storage state to a hot storage state or from the hot storage state to the cold storage state in the cold-heat exchange state; optionally, in the cold-hot exchange state, the second security chip 12 of the present embodiment has a function of transmitting the stored account information of the user's in-use digital money account and/or the account information of the standby digital money account to the first security chip 11, and reading the account information of the new user's in-use digital money account from the first security chip. Accordingly, the first security chip has a function of reading account information of the user in-use digital money account and/or account information of the standby digital money account stored in the second security chip, and transmitting account information of the new user in-use digital money account to the second security chip.
In this embodiment, the first security chip 11 may store the account information of the spare digital currency account generated by itself and the account information of the spare digital currency account and/or the account information of the user using the digital currency account received from the second security chip 12 in a nonvolatile storage medium of itself, so as to perform security protection; the second security chip can store the public and private key pair and address generated by the second security chip and the account information of the new user account using digital currency received from the first security chip in a nonvolatile storage medium of the second security chip so as to carry out security protection.
Optionally, in the cold-heat exchange state, the first security chip and the second security chip in this embodiment are in an off-line state, where the off-line state is understood to mean that the first security chip and the second security chip cannot be directly or indirectly connected to a network, where the network includes, but is not limited to, a local area network, the internet, and the like, so as to avoid an illegal user from illegally stealing data in the first security chip and the second security chip through the network
In one example, the smart card further includes a display screen circuit module, as shown in fig. 2, where the display screen circuit module includes a display screen 15 exposed to the smart card, and the display screen circuit module is connected to the first security chip and the second security chip, respectively. The display screen may be used to display information in the first security chip and the second security chip, and/or the operating status of the smart card, etc., it will be appreciated that the content displayed on the display screen is not limited to the content listed above. Optionally, the types of display include a non-touch display (e.g., a quartz display) and a touch display.
According to the foregoing, the smart card is in a cold-hot exchange state, the connection between the first security chip and the second security chip is conducted, and information can be transmitted between the first security chip and the second security chip. For the data exchanged between the first security chip and the second security chip and the data transmitted from which party to which party, the data can be determined by the working state of the smart card before the cold-hot exchange state, for example, before the cold-hot exchange state, the smart card is in the cold storage state, and after the smart card is switched to the cold-hot exchange state, the second security chip sends the stored account information of the user in the digital currency account and/or the account information of the standby digital currency account to the first security chip; or before the cold-hot exchange state, the smart card is in a hot storage state, and after the smart card is switched to the cold-hot exchange state, the first security chip sends the account information of the new user account in the digital currency stored by the smart card to the second security chip.
Alternatively, it is also possible to determine which data is exchanged between the first and second secure chips and from which party the data is transferred to which party, by an operation in the thermal storage state, for example, in the thermal storage state, when the user inputs the next cold-hot exchange state to the first secure chip through the external terminal to which the smart card is connected (the instruction may indicate that, after switching to the cold-hot storage state, the first secure chip sends data to the second secure chip such as sending new user account information in digital currency, or the first secure chip obtains data from the second secure chip such as obtaining user account information in digital currency stored in the first secure chip, alternatively, the instruction is a one-time instruction), and when the smart card switches to the cold-hot exchange state, the first secure chip executes the specific instruction stored thereon, sends account information to the second secure chip or obtains account information from the second secure chip.
Optionally, in order to more conveniently control information interaction between the first security chip and the second security chip in the cold-hot switching state, in one example, the smart card further includes a keyboard input module, which is connected to the display screen circuit module and the power supply circuit, and has a key exposed to the smart card, so that a user controls specific data interaction between the first security chip and the second security chip by triggering the key. It will be appreciated that in actual use, a user interface may be displayed on the display, which user interface may select different options on the user interface by manipulating keys on the keyboard input module, and control the smartcard to perform the selected options, etc. Optionally, the functions of the keys of the keyboard input module include, but are not limited to, up, down, left, right, confirm, etc. Optionally, the keyboard input module in this embodiment is packaged such that the thickness of the smart card does not exceed the standard thickness of a conventional financial card. Alternatively, the keys in the keyboard input module may be push keys, heat sensitive keys, fingerprint sensitive keys, etc.
If the display screen is a touch display screen, the display screen circuit module is a touch display screen circuit module, and the touch display screen circuit module can receive the operation of a user through the touch display screen to control the intelligent card. Alternatively, the function of the working state switching circuit 13 may be integrated into the touch display screen circuit. Optionally, in the cold-hot exchange state, the touch display screen circuit module may receive the operation of the user through the touch display screen, generate a control instruction and send the control instruction to the corresponding security chip (the first security chip and/or the second security chip), where the control instruction may be used to instruct the second security chip to send account information of the standby digital currency account and/or account information of the user (selected by the user through operating the touch display screen) in use of the digital currency account to the first security chip, or the control instruction may be used to instruct the first security chip to send account information of the new user in use of the digital currency account to the second security chip, and so on. For example, the control instruction is used for instructing the second security chip to send the self-stored account information of the user in use digital currency account a to the first security chip, or instructing the first security chip to send the self-stored account information of the user in use digital currency account B to the second security chip, and so on. Therefore, the embodiment can realize the data interaction of the first security chip and the second security chip in an offline environment.
In the thermal storage state, the first security chip needs to be able to interact with information from an external terminal such as an ATM or the like in order to implement the function of a hot electronic wallet or a conventional financial card, so in another example, as shown in fig. 2, the smart card further includes an interface circuit 16, and the connection between the interface circuit 16 and the first security chip 11 may be conducted only in the thermal storage state, or the connection between the interface circuit 16 and the first security chip 11 may be conducted after the first security chip 11 is powered up, where the specific conduction condition depends on the specific function of the interface circuit 16. Through the interface circuit 16, the first security chip 11 can realize data interaction with an external terminal when necessary.
Optionally, in the cold-hot exchange state, the first security chip 11 in the smart card may establish a connection with an external terminal through the interface circuit 16, the first security chip 11 may send information in itself and the second security chip 12 to the external terminal through the interface circuit 16, a user may set specific information interacted between the first security chip 11 and the second security chip 12 through an interface displayed on the external terminal, the external terminal generates a control instruction according to the setting of the user, and sends the control instruction to the first security chip 11, where the control instruction carries identification information of the security chip executing the control instruction. For example, the control instruction instructs the second security chip to transmit the account information of the user in the digital money account a stored in itself to the first security chip, or instructs the first security chip to transmit the account information of the user in the digital money account B stored in itself to the second security chip, and so on.
Optionally, in the cold-hot exchange state, the first security chip in the smart card receives a control instruction of the external terminal through the interface circuit, where the control instruction is used to instruct the second security chip to send account information of the standby digital currency account stored by the second security chip and/or account information of a user in-use digital currency account (the account is a user in-use digital currency account selected by a user through the external terminal, and the number of the user in-use digital currency accounts may be one or more) to the first security chip, or instruct the first security chip to send account information of a new user in-use digital currency account to the second security chip.
Alternatively, the interface circuit 16 is a contact interface circuit (161 in fig. 2, which generally uses the ISO7816 protocol for data interaction) or a contactless interface circuit (162 in fig. 2, which generally uses the ISO14443 protocol for data interaction), and the contactless interface circuit may be, but is not limited to, a contactless coupled antenna circuit module. According to different types of interface circuits, the smart card can be connected with the external terminal through being inserted into the external terminal or through a non-contact mode, and the external terminal connected with the smart card needs to be in an off-line state in a cold-hot exchange state, so that information in two security chips, particularly in a second security chip, is prevented from being illegally acquired through a network, such as account information of a user in the second security chip in a digital currency account is prevented from being illegally acquired, and the like. Optionally, in this embodiment, in the cold-heat exchange state, the first security chip is further configured to detect whether an external terminal connected to the smart card is in an offline state, and if the external terminal is in the offline state, prompt a user that the external terminal is in a networking state, where information in the smart card is at risk of being stolen, so that the user disconnects the network connection of the external terminal. Optionally, the first security chip may prompt, through its own display module, that the external terminal of the user is in a networking state, or the external terminal connected to the first security chip through the smart card prompts, in a voice, display, vibration, etc. manner, that the external terminal of the user is in a networking state.
In this embodiment, the interface circuit may be integrated into the first security chip, or may be provided independently of the first security chip, which is not limited in this embodiment.
In order to further ensure the security of the data interaction between the first and second security chips in the cold and hot exchange state, the first and second security chips perform the data interaction through the encryption channel in the cold and hot exchange state, and the information encryption mode in this embodiment is not limited, for example, advanced encryption standard (Advanced Encryption Standard, AES) cryptographic algorithm is adopted. In the cold-hot exchange state, the second security chip encrypts the data to be transmitted by adopting a contracted information encryption mode and transmits the encrypted data to the first security chip, the first security chip decrypts the data transmitted by the second security chip by adopting a corresponding information decryption mode after receiving the data, and the decrypted data is stored in a nonvolatile storage medium of the second security chip; similarly, the first security chip encrypts the data to be transmitted by adopting a contracted information encryption mode and transmits the encrypted data to the second security chip, the second security chip decrypts the data transmitted by the first security chip by adopting a corresponding information decryption mode after receiving the data, and the decrypted data is stored in a nonvolatile storage medium of the second security chip.
In this embodiment, in the thermal storage state, the second security chip is powered off, where information is in an offline storage state and cannot be stolen by external devices, and the first security chip may establish connection with external devices through the interface circuit. Types of external terminals include, but are not limited to, card readers, POS devices, ATM devices, and the like.
In the thermal storage state, if the first security chip is connected with the external terminal through the interface circuit, the first security chip can realize conventional financial transactions and digital money transactions through the networked external terminal. The transaction includes depositing digital currency in an address of the spare digital currency account to obtain a new user in use digital currency account, or transferring digital currency received from the second security chip from the user in use digital currency account address to at least one spare digital currency account to obtain at least one new user in use digital currency account, and so on.
Optionally, in the thermal storage state, the first security chip 11 may be connected to the external terminal through a smart card, where on the one hand, the first security chip has an original function of the smart card where it is located (i.e. when the second security chip, the working state switching circuit and the power supply circuit are not added to the smart card, the smart card originally has a function), for example, the smart card is originally a bank card, and then the first security chip has all functions of the bank card, for example, the smart card may be inserted into an ATM for depositing/withdrawing, for example, the smart card originally is a social security card, and then the first security chip has a function of the social security card, and when the user is on the doctor, the first security chip may assist the external terminal to perform operations such as registration, payment, for example, the smart card originally has a function of the traffic card, for example, the smart card originally is a public deposit card, and then the first security chip has a function of the public deposit card, and so on.
On the other hand, the first security chip may have a function of a hot-electronic wallet, such as synchronizing money transfer (transaction) information with a digital money server through an external terminal. In order to further ensure information security and avoid that account information of the digital currency account is illegally stolen, the first security chip is optionally further used for destroying account information of the new user using the digital currency account, which is sent to the second security chip, after the digital currency transaction.
Further, the first security chip is further configured to destroy account information of the user using digital currency account and account information of the standby digital currency account sent by the second security chip after the digital currency transaction, and destroy account information of the standby digital currency account generated by the first security chip and account information of a new user using digital currency account sent to the second security chip. The manner of destruction in this example includes, but is not limited to, erasure.
Optionally, the power supply circuit in this embodiment includes a thin film battery, and the thin film battery is packaged such that the thickness of the smart card does not exceed the standard thickness of a conventional financial card.
In the cold storage state, the thin film battery supplies power to the second security chip 12; in the cold-heat exchange state, the thin film battery supplies power to the first and second safety chips 11 and 12; in the thermal storage state, the power supply connection between the thin film battery and the first security chip 11 is disconnected, the connection between the first security chip 11 and the interface circuit 16 is conducted, and if the first security chip 11 establishes communication with an external terminal through the interface circuit 16, the first security chip 11 receives power supply from the external terminal through the interface circuit 16.
Further, in the thermal storage state, if the smart card is inserted into the external terminal, the smart card establishes connection with the external terminal through the contact interface circuit, and then the first security chip receives power supply of the external terminal through the interface circuit; in the thermal storage state, if the smart card is in the magnetic field of the external terminal, the smart card establishes connection with the external terminal through the non-contact coupling antenna circuit module, and then the first security chip receives power supply of the external terminal through the non-contact coupling antenna circuit module.
Optionally, in this embodiment, the working state switching circuit 13 in fig. 1 is a key switching circuit, and the key switching circuit includes a key exposed to the smart card, so that the user switches the working state of the smart card by triggering the key.
Optionally, the function of the key switching circuit may be implemented by the above touch display screen circuit module, and the function of the key is implemented by a touch display screen in the touch display screen circuit module, where the touch display screen circuit module is connected to the first security chip, the second security chip, and the power supply module. The touch display screen is used for receiving touch operation of a user, the user can at least realize switching of three functional states of the intelligent card through operation on the touch display screen, the processing submodule can receive the operation of the user through the touch display screen, and corresponding switching instructions are generated according to the operation of the user to control the switching of the working state of the intelligent card and the like.
Alternatively, the key switching circuit of the present embodiment may be various types of switching circuits, such as a paddle switching circuit, a film switching circuit, and the like, which is not limited thereto. Optionally, if the key switching circuit is a paddle switching circuit (131 in fig. 3), the key is a paddle in the paddle switching circuit (such as 1311 in fig. 3, the paddle is exposed to the smart card), if the key switching circuit is a membrane switching circuit (132 in fig. 4), the key is a touch module in the membrane switching circuit (such as 1321, 1322 and 1323 in fig. 4, three are exposed to the smart card), the touch module is exposed to the smart card, and the membrane switching circuit determines the working state of the smart card selected by the user by acquiring the touch condition of the user to the touch module, so as to switch the working state of the smart card.
Referring to fig. 3, the paddle switch 131 of the present embodiment may set three gear positions, where each gear position corresponds to one of three working states of the smart card, and of course, different gear positions correspond to different working states; and when the shifting piece on the shifting piece switch stays in which gear under the control of a user, the working state of the intelligent card is switched to the working state corresponding to the gear. Optionally, when the smart card adopts the toggle switch circuit, after the smart card is powered on or reset, the toggle switch on the smart card is located in which gear, and the state of the smart card is the state corresponding to the gear.
Referring to fig. 4, the membrane switch of this embodiment may be provided with three touch modules (as shown in fig. 4, 1321, 1322 and 1323 are three touch modules), each touch module corresponds to one of three working states of the smart card, of course, different touch modules correspond to the three working states, where the three touch modules are exposed to the smart card, and the touch modules may be a push type touch module, a heat induction type touch module, a fingerprint induction type touch module, or the like. The present embodiment is not limited thereto. Optionally, when the smart card adopts a thin film switch circuit, the smart card defaults to a thermal storage state after the smart card is powered on or reset.
Optionally, implementation forms of the paddle switch circuit and the membrane switch circuit of the present embodiment include, but are not limited to: a mechanical multi-way control switch circuit and a transistor type multi-way control switch circuit.
Optionally, the key switching circuit in this embodiment should not be packaged so that the smart card exceeds the standard thickness.
The embodiment of the application provides an intelligent card, which is provided with two safety chips, wherein the card has three working states under the control of a working state switching circuit; in the thermal storage state, the first safety chip is powered off, the second safety chip is powered on, and the second safety chip can provide the function of a cold electronic wallet; in the cold-heat exchange state, the first and second safety chips are electrified and are in an off-line state, and data interaction can be carried out between the first and second safety chips; in the thermal storage state, the second security chip is powered off, the first security chip has the functions of a conventional financial card and a hot electronic wallet, and therefore the smart card has the functions of a cold and hot electronic wallet and a conventional financial card, the expansion and the extension of the application of the conventional financial smart card to the digital currency field are greatly facilitated, when the second security chip is powered on, the smart card is in an off-line state, the security of an account in the second security chip is ensured, and in the embodiment, the cold and hot storage states of the smart card are electrically and physically isolated based on a power supply circuit, and the security is extremely high.
In the several embodiments provided by the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of modules is merely a logical function division, and there may be additional divisions of actual implementation, e.g., multiple modules or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or modules, which may be in electrical, mechanical, or other forms.
The modules illustrated as separate components may or may not be physically separate, and components shown as modules may or may not be physical modules, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional module in each embodiment of the present application may be integrated into one processing module, or each module may exist alone physically, or two or more modules may be integrated into one module. The integrated modules may be implemented in hardware or in software functional modules.
The foregoing describes a smart card according to the present application, and those skilled in the art will appreciate that the present application is not limited to the specific embodiments and applications described herein.
Claims (8)
1. A smart card, comprising: the device comprises a first safety chip, a second safety chip, a working state switching circuit and a power supply circuit;
the power supply circuit is used for supplying power to the smart card;
the working state switching circuit is respectively connected with the first safety chip, the second safety chip and the power supply circuit, and is used for switching the working state of the intelligent card, wherein the intelligent card has the following three working states: a cold storage state, a cold heat exchange state, and a hot storage state;
the first security chip is powered off and the second security chip is powered on in the cold storage state, and the second security chip stores account information of a user using a digital currency account based on a cold electronic wallet technology;
in the cold-hot exchange state, the first safety chip and the second safety chip are electrified, and the second safety chip has the function of performing data interaction with the first safety chip;
in the thermal storage state, the first security chip is powered on and the second security chip is powered off, and the first security chip has the functions of a conventional financial card and a hot electronic wallet;
in the cold storage state, the second security chip has a function of generating and storing account information of a spare digital money account; and/or, in the cold-hot exchange state, the first security chip and the second security chip have a function of generating account information of a standby digital money account;
in the cold-hot exchange state, the first security chip and the second security chip are electrified and are in a non-networking state, data interaction can be carried out between the first security chip and the second security chip, and the second security chip has the functions of sending account information of the user in-use digital currency account and/or account information of the standby digital currency account to the first security chip and reading account information of a new user in-use digital currency account from the first security chip;
the second security chip is embedded with software required for realizing cold storage, and the software required for cold storage comprises cold electronic wallet application software; the first security chip has stored therein software implementing a thermal storage function and software implementing a financial function, the software of the thermal storage function including a hot electronic wallet application.
2. The smart card of claim 1 wherein the smart card further comprises an interface circuit, the power supply circuit comprising a thin film battery;
in the cold storage state, the thin film battery supplies power to the second safety chip; in the cold-heat exchange state, the thin film battery supplies power to the first safety chip and the second safety chip; and in the thermal storage state, the power supply connection between the thin film battery and the first safety chip is disconnected, the connection between the first safety chip and the interface circuit is conducted, and if the first safety chip is connected with an external terminal through the interface circuit, the first safety chip receives the power supply of the external terminal through the interface circuit.
3. The smart card of claim 1, further comprising a display screen circuit module including a display screen exposed to the smart card, the display screen circuit module being connected to the first secure chip and the second secure chip, respectively.
4. A smart card according to any one of claims 1-3, wherein said operating state switching circuit is a key switching circuit comprising keys exposed to said smart card for a user to switch said operating state of said smart card by activating said keys.
5. The smart card of claim 4, wherein the key switching circuit is a membrane switch circuit, the key is a touch module in the membrane switch circuit, and the smart card is in a thermal storage state after the smart card is powered on or reset.
6. A smart card according to any one of claims 1-3, wherein in the cold-hot exchange state the first secure chip and the second secure chip are in an off-line state, data transfer being performed between the first secure chip and the second secure chip via an encrypted channel.
7. A smart card according to any one of claims 1-3, wherein the first security chip is further adapted to destroy account information of at least a new user-in-use digital money account sent to the second security chip after a digital money transaction.
8. A smart card according to any one of claims 1-3, wherein the first security chip and the second security chip are financial-grade security chips.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811127673.8A CN109615054B (en) | 2018-09-27 | 2018-09-27 | Intelligent card |
| PCT/CN2019/106601 WO2020063435A1 (en) | 2018-09-27 | 2019-09-19 | Smart card |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811127673.8A CN109615054B (en) | 2018-09-27 | 2018-09-27 | Intelligent card |
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| CN109615054A CN109615054A (en) | 2019-04-12 |
| CN109615054B true CN109615054B (en) | 2023-11-24 |
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| CN201811127673.8A Active CN109615054B (en) | 2018-09-27 | 2018-09-27 | Intelligent card |
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| CN109615054B (en) * | 2018-09-27 | 2023-11-24 | 深圳技术大学 | Intelligent card |
| CN110097347A (en) * | 2019-05-05 | 2019-08-06 | 北京飞纳泰科信息技术有限公司 | A kind of visual card transaction system of wireless charging digital cash |
| CN115909979B (en) * | 2021-09-23 | 2024-10-08 | 恒宝股份有限公司 | Video card and method for displaying delay display information thereof |
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| WO2020063435A1 (en) | 2020-04-02 |
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