CN205247428U - Take fingerprint authentication's financial IC -card - Google Patents
Take fingerprint authentication's financial IC -card Download PDFInfo
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- CN205247428U CN205247428U CN201521068626.2U CN201521068626U CN205247428U CN 205247428 U CN205247428 U CN 205247428U CN 201521068626 U CN201521068626 U CN 201521068626U CN 205247428 U CN205247428 U CN 205247428U
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Abstract
The utility model provides a take fingerprint authentication's financial IC -card, including the card body, be packaged with security chip on the card body, be used for the data interaction and realize the fingerprint module that interface module, power management, paper battery, authentification of user that external power used, ability normal use's security chip was connected after its the authentication signal that sends verification of fingerprint module and receipt was passed through, fingerprint module is connected with the paper battery of inside power supply usefulness, security chip with give its normal mode power supply and be connected rather than the interface module of data interaction, the paper battery is connected its interface module who charges during in proper order with the power management going on its charging process managing, external power. The utility model discloses the security performance is high, and the commonality is good.
Description
Technical field
The utility model relates to a kind of financial IC card with fingerprint identity validation.
Background technology
From in December, 2005, since industrial and commercial bank releases domestic leader's financial IC card, financial IC card is in government and market is dual helpsUnder power, rapidly grow up. Central Bank's declaration on July 19th, 2012, on January 1st, 2013 rises, and national business bank all will issue financeIC-card. By the first half of the year in 2012, more than 4,500 ten thousand of financial IC cards were totally issued in the whole nation, compared with increasing by 2,070 10000 the end of the year 2011, amplification reaches 85%, realized financial IC card and exceed 15% in increment hair fastener accounting before the end of the year. In March, 2011, Central Bank starts silver comprehensivelyRow magnetic stripe card is to IC-card migration work. According to the timetable of Central Bank, work, agriculture, in, build, hand over and trade and investment promotion, Postal Savings bank etc. state-owned largeRow has got off the ground financial IC card. Social security card merges with financial IC card, estimates will issue 800,000,000 financial IC during " 12 "Card.
The profile of financial IC card is similar to magnetic stripe card, and different places is the medium of data storage. Magnetic stripe card is to pass throughOn card, the changes of magnetic field of magnetic stripe is stored information, and financial IC card is that the IC chip in blocking by embedding is storedData message. Compared with traditional magnetic stripe card, financial IC card has more obvious advantage:
1, possesses the revolutionary advantage of one card for multiple uses. The memory capacity of financial IC card is hundreds of times of conventional magnetic stripe card, canImplant more application program, such as social security, public transport, retail, hospital, self-service ticketing and sell goods etc. Thereby make financial IC card quiltExtensive use each area of collaboration except bank, real realization " one card for multiple uses, all-purpose card capable ".
2, level security is good. Compare magnetic stripe card, financial IC card possesses very strong anti-attack ability, is difficult to be replicated and puppetMake.
3, " dodge and pay " quick consumption. Be different from traditional magnetic stripe card and can only have an account, all right in IC-card chipIncrease electronic cash account (i.e. " stored value card "), the account 1000 yuan of the remaining sum upper limits, can realize off line by " sudden strain of a muscle pair " quickConsumption.
But the feature of one card for multiple uses also makes the risk of financial IC card generation in the time of stolen or loss and loses moreGreatly, also more need a kind of method to ensure user's property safety. At present, the financial IC card in tradition cannot be accomplished card and peopleCorresponding one by one, disabled user just can normally use financial IC card and wherein after managing to get simple 6 passwordsMajor applications. And application security does not also reach financial standard far away, Hen Duoying on current a lot of cards based on financial IC cardWith, for example electronics stored value card, stored value card, does not need password in use. In addition the credit card of, not establishing password is being lostAfter can be stolen brush by any people, and be to bear by bank the loss therefore causing at present.
Existing a kind of fingerprint bank card, is to gather user fingerprints at bank counter, writes in bank card, is using this bankWhen card, need to obtain fingerprint verification by ATM or the upper fingerprint acquisition instrument connecting of PC, confirm user, it is usingTime as shown in Figure 1. There is following shortcoming:
1,, while using card on ATM, must could realize the security guarantee to card having on external ATM,But the current quantity of ATM with fingerprint is few, owing to relating to significantly amendment and the checking of hardware and software, therefore also can notCan replace in a large number in a short time, therefore substantially not possess practical popularization significance.
2, while use on PC and fixing POS, must increase an extra fingerprint acquisition instrument and obtain fingerprint, increase hardPart cost and extra equipment control.
3, while use on mobile terminal and portable POS, mobile device mostly cannot external fingerprint acquisition instrument, if usedThe fingerprint acquisition instrument of mobile device itself can not ensure the security of whole link.
4,, between common financial IC card and finger-print card co-existence periods, all devices must compatible 2 sets of plan.
Summary of the invention
The utility model provides a kind of security performance high, the multiple functional financial IC card with fingerprint identity validation.
The technical solution adopted in the utility model is:
With a financial IC card for fingerprint identity validation, comprise card body, it is characterized in that: on described card body, sealSafety chip is housed, for data interaction with realize interface module, power management, paper battery, the user that externally fed uses and authenticateWith fingerprint module, described fingerprint module with receive its authentication signal authentication of sending and pass through after could the normal peace usingFull chip connects, and the paper battery that described fingerprint module is used with in-line power is connected, and described safety chip supplies with giving its normal modeElectricity be connected with the interface module of its data interaction, described paper battery successively with the power supply pipe that its charging process is managedWhen reason, externally fed, the interface module of its charging is connected. The utility model user first pressed fingerprint before using card, passed throughAfter identification, have fingerprint module prompting user and can normally use this card; After finishing using, fingerprint module is automatically cancelled and being enabled, and usesFamily need to authenticate while once using again upper; If certification, by not using this card in rear certain hour, is cancelled and being enabled,Security performance is high. And user is the same with use financial IC card, in various occasions, all use card, versatility is high.
Further, described safety chip comprise enciphering and deciphering algorithm for realizing financial IC card function carry out district, for depositingThe sensitive data memory block of storage financial IC card function relevant sensitization information.
Further, described interface module is one or more combinations in 7816 modules, NFC module, bluetooth module.
Further, the fingerprint algorithm of described fingerprint module is stored in fingerprint module inside or safety chip, is stored in peaceIn full chip time, there is higher security.
The beneficial effects of the utility model:
1, determine legal user by finger print identifying, only have legal user could use IC-card, reduce card and loseThe risk producing during with stolen brush.
2, after certification is passed through, card uses flow process consistent with common financial IC card, does not need to upgrade or replace existing equipment.
3, in use do not need to increase any equipment.
4, the validated user of card can be many people, for example, to meet the shared demand of many people (kinsfolk).
Brief description of the drawings
Fig. 1 is the use schematic diagram of existing fingerprint bank card.
Fig. 2 is structural representation of the present utility model.
Fig. 3 is workflow diagram of the present utility model.
Detailed description of the invention
Below in conjunction with specific embodiment, the utility model is further described, but the utility model is not limited toIn these detailed description of the invention. One skilled in the art would recognize that the utility model contained within the scope of claimsAll alternatives, improvement project and the equivalents that may comprise.
With reference to Fig. 2, a kind of financial IC card with fingerprint identity validation, comprises card body 6, envelope on described card body 6Safety chip 5 is housed, for data interaction with realize interface module 1, power management 2, paper battery 3, the user that externally fed is usedThe fingerprint module 4 of certification use, described fingerprint module 4 with receive its authentication signal authentication of sending by after could normally makeWith safety chip 5 connect, the paper battery 3 that described fingerprint module 4 is used with in-line power is connected, described safety chip 5 with give itNormal mode is powered and is connected with the interface module 1 of its data interaction, and described paper battery 3 is managed successively with to its charging processWhen power management 2, the externally fed of reason, the interface module 1 of its charging is connected. The utility model user is before using cardFirst press fingerprint, point out user can normally use this card by having fingerprint module 4 after identification; After finishing using, fingerprint module 4Automatically cancel and enabling, user need to authenticate while once using again upper; If certification is not by being used in rear certain hourThis card, cancels and enabling, and security performance is high. And user is the same with use financial IC card, in various occasions, all use card,Versatility is high.
Described in the present embodiment safety chip 5 comprise enciphering and deciphering algorithm for realizing financial IC card function carry out district, forThe sensitive data memory block of storage financial IC card function relevant sensitization information.
Described in the present embodiment, interface module 1 is one or more combinations in 7816 modules, NFC module, bluetooth module.
Described in the present embodiment, the fingerprint algorithm of fingerprint module 4 is stored in fingerprint module 4 inside or safety chip 5, storageIn safety chip 5 time, there is higher security.
The utility model is mainly by interface module 1, power management 2, paper battery 3, fingerprint module 4, safety chip 5 these 5Major part composition, according to different application demands, also may increase other modules.
Wherein interface module 1 meets the hardware interface of bank card specification, comprises contact and non-contact interface, for example7816 interfaces and NFC interface. Power management 2 is for the module to battery charging and discharging management. Paper battery 3 is confessions of card insideElectricity module is mainly that fingerprint module 4 is powered. Fingerprint module 4 is mainly to embed a fingerprint identification module on card,For the certification to user, ensure that card user is validated user. Safety chip 5, as main logical block, is realized safetyApplication and safety storing function, the enciphering and deciphering algorithm comprising in safety chip 5 for realizing financial IC card function is carried out district, forThe sensitive data memory block of storage financial IC card function relevant sensitization information. Fingerprint module 4 can be realized a kind of mechanism, to guarantee peaceFull chip 5 can confirm that authentication message is for example, from fingerprint module 4 instead of outside illegal injection, 4 of fingerprint modulesWhile sending message, use asymmetric secret key private key signature, by safety chip 5, authentication information is carried out to sign test.
Relation between each module is as follows:
1, interface module 1 and safety chip 5 can form traditional financial IC card, realize the general application of financial IC card,While having externally fed, chip operation, based on externally fed, is operated in normal mode.
2, paper battery 3 can be powered to fingerprint module 4, ensures that card can make in the situation that there is no externally fedUser is authenticated with fingerprint module 4.
3, can charge to paper battery 3 by interface module 1, charging process is by power management 2 management and control.
4, safety chip 5 is only in the case of receiving authentication that fingerprint module 4 sends by just execution signalNormal function, otherwise cannot normally use this card.
5, in fingerprint module 4, be kept at safety chip 5 for sensitive informations such as the user fingerprints compared, make fingerprint authenticationProcess be subject to the protection of financial security rank.
6, fingerprint algorithm can be realized in fingerprint module 4 or safety chip 5, in safety chip 5, realizes and obviously having moreHigh security.
Typical workflow of the present utility model, as shown in Figure 3, is described as follows:
Before step 1, the use that accesses terminal, user inputs fingerprint on card;
Step 2, if the verification passes, enables card, and terminal can be accessed;
Step 3, user in terminal with use the same this card that uses of common financial IC card;
Step 4, finish using after card leave terminal, card forbidden energy access.
Wherein:
If 1 in step 1 authentication failed, user can continue repeating step 1, until unsuccessfully exceed continuously number of times,Card is locked, cannot enable, and must go to bank to reactivate.
If 2 are proved to be successful in step 1, but do not use the actual card that uses, card will be after certain hour certainlyMoving forbidden energy.
3, this card all needs authentication before each use, ensures that user is validated user.
Claims (4)
1. the financial IC card with fingerprint identity validation, comprises card body, it is characterized in that: on described card body, encapsulateHave safety chip, for data interaction with realize interface module, power management, paper battery, the user that externally fed uses and authenticate useFingerprint module, described fingerprint module with receive its authentication signal authentication of sending and pass through after could the normal safety usingChip connects, and the paper battery that described fingerprint module is used with in-line power is connected, and described safety chip is powered with giving its normal modeBe connected with the interface module of its data interaction, described paper battery successively with the power management that its charging process is managed,When externally fed, the interface module of its charging is connected.
2. a kind of financial IC card with fingerprint identity validation as claimed in claim 1, is characterized in that: described safety chip bagDraw together enciphering and deciphering algorithm for realizing financial IC card function carry out district, for storing the quick of financial IC card function relevant sensitization informationSense data storage area.
3. a kind of financial IC card with fingerprint identity validation as claimed in claim 1 or 2, is characterized in that: described interface mouldPiece is one or more combinations in 7816 modules, NFC module, bluetooth module.
4. a kind of financial IC card with fingerprint identity validation as claimed in claim 3, is characterized in that: described fingerprint moduleFingerprint algorithm is stored in fingerprint module inside or safety chip.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201521068626.2U CN205247428U (en) | 2015-12-18 | 2015-12-18 | Take fingerprint authentication's financial IC -card |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201521068626.2U CN205247428U (en) | 2015-12-18 | 2015-12-18 | Take fingerprint authentication's financial IC -card |
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| CN205247428U true CN205247428U (en) | 2016-05-18 |
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| CN201521068626.2U Active CN205247428U (en) | 2015-12-18 | 2015-12-18 | Take fingerprint authentication's financial IC -card |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107993064A (en) * | 2017-11-29 | 2018-05-04 | 深圳消费物联科技有限公司 | A kind of enterprise's stored-value-card issuance method and its system based on NFC |
| CN111488961A (en) * | 2020-05-14 | 2020-08-04 | 南阳理工学院 | Intelligent student card and student management cloud platform |
| CN114358223A (en) * | 2021-12-23 | 2022-04-15 | 深圳市魔力信息技术有限公司 | Method and device for realizing non-contact fingerprint bank card |
| US11308495B2 (en) * | 2017-12-11 | 2022-04-19 | Feitian Technologies Co., Ltd. | Financial card with function of fingerprint verification and working method therefor |
-
2015
- 2015-12-18 CN CN201521068626.2U patent/CN205247428U/en active Active
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107993064A (en) * | 2017-11-29 | 2018-05-04 | 深圳消费物联科技有限公司 | A kind of enterprise's stored-value-card issuance method and its system based on NFC |
| US11308495B2 (en) * | 2017-12-11 | 2022-04-19 | Feitian Technologies Co., Ltd. | Financial card with function of fingerprint verification and working method therefor |
| CN111488961A (en) * | 2020-05-14 | 2020-08-04 | 南阳理工学院 | Intelligent student card and student management cloud platform |
| CN114358223A (en) * | 2021-12-23 | 2022-04-15 | 深圳市魔力信息技术有限公司 | Method and device for realizing non-contact fingerprint bank card |
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