CN206147700U - Intelligent chip card - Google Patents

Abstract

The utility model provides an intelligent chip card, include: input device for supply the user to input authentication information and payment information, the chip card kernel, with input device connects for export safe verification information, safe verification information is in the authentication authentification of message passes through the dorsal radix certificate payment information obtains, display device, with safety device connects, is used for showing safe verification information. When adopting this intelligent chip card not have card transaction payment, owing to safe verification information is the dynamic verification information relevant with payment information, work as the malicious payment information that has distorted of no good trade company, safe verification information can not verify and pass through, just can not proceed the payment transaction yet, consequently, adopts this intelligent chip card not have the card and concludes the business when paying, can improve the security that the payment of nothing card fund was concluded the business, ensures the safety of user's information when the payment of nothing card fund is concluded the business.

Description

Smart chip card

Technical field

This utility model is related to technical field of integrated circuits, more particularly to a kind of smart chip card.

Background technology

With social diversity expanding economy, the consumption pattern such as Hai Tao, cross-border trip is gradually risen, and is more and more held Using bank card, overseas, website carries out the online payment funding transaction of commodity or Service Order to people.Existing fund online overseas Payment transaction is generally basede on the line of payment network service provider overseas without card payment technology, and user fills in silver in the payment page Row card card number, (CVV2 is the digital information for being printed upon Visa/Master Card cards signature area, is normally at for effect duration, CVV2 3 bit digitals after credit number) etc. information credit card issuer submitted to by payment network overseas verified.But most of country Client is limited for the identification capability of the true and false of website overseas of foreign language linguistic context, and overseas, paying website has network fraud, easily The sensitive informations such as bank card number, effect duration, CVV2 are caused to be revealed in network, cause the user is lost in a large number；On existing line During card payment transactions, the card number of user's typing, effect duration, CVV2 information be entirely it is static, with the element of transaction such as amount of money, Also easily there is the risk that element of transaction is distorted without good trade company malice without any contact in currency type；Existing bank card number, have Effect phase and CVV2 be card produce when static dump information, in card life-cycle processes, be easily stolen peep take pictures and Cause to reveal.

Utility model content

This utility model embodiment provide a kind of smart chip card, to improve prior art in without card payment funding hand over Easy safety.The smart chip card includes：

Input equipment, for for user input authentication information and payment information；

Chip card kernel, is connected with the input equipment, and for output safety checking information, the secure authentication information exists The authentication information certification is obtained by rear according to the payment information；

Display device, is connected with the safety equipment, for showing the secure authentication information.

In one embodiment, the chip card kernel is provided with clock and control circuit, for driving in the chip card Core obtains the secure authentication information.

In one embodiment, the input equipment includes：

Pressure-sensitive keys, are connected with the clock and control circuit；

Card face display screen, is connected with the clock and control circuit, under the driving of the clock and control circuit, Show the authentication information and payment information being input into by pressure-sensitive keys.

In one embodiment, the display device and card face display screen are electric paper book display screen.

In one embodiment, the smart chip card also includes：

Power supply unit, for providing electric energy for the smart chip card.

In one embodiment, the power supply unit is film battery assembly, and the film battery assembly is encapsulated in described Inside the overlay film of smart chip card.

In one embodiment, the smart chip card also includes：

Card base, wherein, the input equipment, the chip card kernel and the display device are encapsulated on the card base.

In this utility model embodiment, the input equipment of smart chip card is for user input authentication information and disbursement letter After breath, chip card kernel can be exported in authentication information certification by the rear secure authentication information obtained according to payment information；Lead to again Cross display device and show secure authentication information.Using the utility model proposes smart chip card carry out without card payment transactions when, Because secure authentication information is the dynamically verifying information relevant with payment information, when without good trade company malice distorted payment information, Secure authentication information can not be verified, and cannot also proceed payment transaction, therefore, using the smart chip card When carrying out without card transaction payment, the CVV2 of prior art chips card is solved due to for static dump information, easily revealing Technical problem, can also improve the safety without the transaction of card payment funding, ensure user's information when concluding the business without card payment funding Safety.

Description of the drawings

In order to be illustrated more clearly that this utility model embodiment or technical scheme of the prior art, below will be to embodiment Or the accompanying drawing to be used needed for description of the prior art is briefly described, it should be apparent that, drawings in the following description are only It is some embodiments of the present utility model, for those of ordinary skill in the art, in the premise for not paying creative work Under, can be with according to these other accompanying drawings of accompanying drawings acquisition.

Fig. 1 is a kind of smart chip card structural representation that this utility model embodiment is provided；

Fig. 2 is a kind of smart chip card internal structure and circuit diagram that this utility model embodiment is provided；

Fig. 3 is a kind of smart chip card outside drawing-reverse side figure that this utility model embodiment is provided；

Fig. 4 is a kind of smart chip card outside drawing-front elevation that this utility model embodiment is provided.

Specific embodiment

Below in conjunction with the accompanying drawing in this utility model embodiment, the technical scheme in this utility model embodiment is carried out Clearly and completely describe, it is clear that described embodiment is only a part of embodiment of this utility model, rather than the reality of whole Apply example.Based on the embodiment in this utility model, those of ordinary skill in the art institute under the premise of creative work is not made The every other embodiment for obtaining, belongs to the scope of this utility model protection.

The utility model proposes a kind of smart chip card, as shown in figure 1, the smart chip card includes：

Input equipment 101, for input authentication information and payment information；

Chip card kernel 102, is connected with the input equipment 101, for being authenticated to the authentication information, and in institute When stating authentication information certification and passing through, the first secure authentication information is generated according to the payment information；

Display device 103, is connected with the safety equipment 102, for showing first secure authentication information.

When being embodied as, Fig. 2 is the internal structure and circuit of smart chip card, as shown in Fig. 2 from terms of internal structure, intelligence Energy chip card includes dynamic signature bar 11 (display device 103), clock and control circuit 12, safety chip 13, hull cell group The nucleus modules such as part 14, card face display screen 15, pressure-sensitive keys 16, non-contact communication coil 17.

Specifically, clock and control circuit 12 and safety chip 13 are provided with chip card kernel 102.Clock and control circuit 12 is the control core of the smart chip card, is responsible for logic control, data calculating, display screen, the keyboard of whole smart chip card Deng peripheral hardware scheduling, reception and process of all kinds of inner/outer instructions etc..Safety chip 13 is the core security of the smart chip card Module, is connected with clock and control circuit 12, mainly provides the factors such as card number, key, and drives in clock and control circuit 12 It is that smart chip card generates dynamic authentication key element (secure authentication information) under control.

Safety chip 13 includes that a set of (Chip Operate System chips are grasped based on Java card hardware module and its COS Make system), it is the architecture of safety chip 13, meets the peace of international payment network (such as VISA, MASTER, PBOC) standard Standard chips card that full chip can be used as bank etc..The built-in financial application card number of safety chip 13, effect duration etc. pay Element information (being properly termed as the card parameter of smart chip card), off line PIN (Personal Identification Number, personal recognition code) and the unique binding of financial application card number a key Key, Key is used to generate safety of payment Key element, key Key is corresponding with card parameter, and key Key does not allow to read, and being only allowed under the conditions of security control is carried out more Newly, and the Java card internal applications specified are called.

Input equipment 101 includes pressure-sensitive keys 16 and card face display screen 15, wherein, pressure-sensitive keys 16 are electric with clock and control Road 12 connects, and can provide generation dynamic signature function, and the input equipment as smart chip card is present, and can be used for input card Input key element such as piece password, dealing money, currency (also referred to as authentication information and payment information).Card face display screen 15 and clock and Control circuit 12 connects, and is mainly used under the driving of clock and control circuit 12, for the echo and really of user input key element Recognize, card face display screen 15 can be merged into dynamic signature bar 11, it is also possible to be separately provided.Pressure-sensitive keys 16 are numeral keys, also may be used Preset function key.

When being embodied as, dynamic signature bar 11 (display device 103), card face display screen 15 can select but be not limited to use Electric paper book (ELNK).

When being embodied as, as shown in Figure 2, the smart chip card also includes：Power supply unit, for providing electricity for chip card Energy.The power supply unit can adopt film battery assembly 14, wherein, film battery assembly is encapsulated in covering for the smart chip card Inside film.Film battery assembly 14 includes that charge controller, inverter, accumulator and supporting integrated circuit form card inside and supply Electric system, is Dynamic Announce signature strip 11, clock and control circuit 12, safety chip 13, card face display screen 15, pressure-sensitive keys 16 Deng offer electric energy.Film battery assembly 14 can select but be not limited to the charging modes such as solar energy, NFC.Film battery assembly 14 Directly in card back overlay film, and it is packaged.

When being embodied as, Fig. 3 is wherein one side (can be described as reverse side) surface structure of the smart chip card, from outward appearance knot See on structure, the reverse side of the intelligent card chip includes dynamic signature bar region (display device 103), magnetic stripe region, static signature bar Region.Wherein, magnetic stripe region can cover magnetic stripe thin film (the black position in Fig. 3) explicitly or implicitly；Static signature bar area Domain is common signature material, can be used for user's signature or printer card key element.Fig. 4 is the another side of the smart chip card (can be described as front) surface structure, from from surface structure, the front of intelligent card chip includes display screen (card face display screen 15), pressure-sensitive keys, rechargeable thin film battery plate and Printing Zone；Printing Zone is according to industry requirement printed card relevant information.

When being embodied as, smart chip card also includes：Card base, wherein, input equipment, chip card kernel and display device envelope It is mounted on the card base, that is to say, that Dynamic Announce signature strip 11, clock and control circuit 12, safety chip 13, hull cell Component 14, card face display screen 15, pressure-sensitive keys 16 are connected by integrated circuit, are encapsulated on card base.Card base can adopt mesh Wide variety of PVC (Poly Vinyl Chloride) card in front production；Contactless chip and coil encapsulation are in PVC card Inside, contact chip card chip package is on chip card base.

When being embodied as, the use flow process of the smart chip card, including：

1) press power button with the head of a household and open card, the typing PIN code on pressure-sensitive keyboard 16, clock and control circuit 12 are obtained The PIN code of user input is taken, checking PIN code is sent and is instructed to the checking PIN code of safety chip 13, if PIN is verified, card Into upstate.

2) user's typing on pressure-sensitive keyboard 16 includes but is not limited to the key elements such as dealing money, currency type, and pressing generates safety Checking key element button.

3) clock and control circuit 12 obtain the local clock of input through keyboard and card storage, by the above-mentioned amount of money, currency type, when Between stamp etc. information safety chip 13 is sent to by internal circuit.

4) safety chip 13 is tested according to the dynamic that the built-in key of above- mentioned information and safety chip 13 generates 3 bit digitals Card key element (secure authentication information).

5) clock and the control dynamic signature of control circuit 12 bar 11 show that dynamic authentication key element (is equal to bank's card backside print The CVV2 of brush).

In sum, the utility model proposes a kind of smart chip card, website is carried out overseas can effectively to take precautions against user There is the risk that payment information is revealed when shopping and payment, improve the safety without card delivery operation on line.Concrete effect is as follows：

1) adopt without the crucial check information (secure authentication information) of card payment on line and once generate, first use, it is intended that when Between in window effectively, prevent from being kidnapped by malice sensitive information leakage occur.

2) bank card held by holder generates secure authentication information, and user is controlled without having to worry about the information by third party System is stolen.When this utility model user uses secure authentication information, input card PIN code is needed to be verified, by rear PIN code can be produced, CVV2 information leakages will not be produced.Secure authentication information in this utility model be according to regard to dealing money, The generations such as currency type input, prevent user when carrying out being paid without card, and dealing money or currency type are by the illegal tamper band of trade company Loss.

3) secure authentication information that this utility model is generated, complies fully with international card organizational norms, at general international Pay and used on network, can meet pay scene without card on now all of line, to paying the payment information for using tool on existing line Standby intact support.

Preferred embodiment of the present utility model is the foregoing is only, this utility model is not limited to, for this For the technical staff in field, this utility model embodiment can have various modifications and variations.It is all in spirit of the present utility model Within principle, any modification, equivalent substitution and improvements made etc. should be included within protection domain of the present utility model.

Claims (7)

1. a kind of smart chip card, it is characterised in that include：

Input equipment, for for user input authentication information and payment information；

Chip card kernel, is connected with the input equipment, and for output safety checking information, the secure authentication information is described Authentication information certification is obtained by rear according to the payment information；

Display device, is connected with the safety equipment, for showing the secure authentication information.

2. smart chip card as claimed in claim 1, it is characterised in that the chip card kernel is provided with clock and control electricity Road, for driving the chip card kernel to obtain the secure authentication information.

3. smart chip card as claimed in claim 2, it is characterised in that the input equipment includes：

Pressure-sensitive keys, are connected with the clock and control circuit；

Card face display screen, is connected with the clock and control circuit, under the driving of the clock and control circuit, showing The authentication information being input into by pressure-sensitive keys and payment information.

4. smart chip card as claimed in claim 3, it is characterised in that the display device and card face display screen are electric paper book Display screen.

5. smart chip card as claimed in claim 1, it is characterised in that the smart chip card also includes：

Power supply unit, for providing electric energy for the smart chip card.

6. smart chip card as claimed in claim 5, it is characterised in that the power supply unit is film battery assembly, described Film battery assembly is encapsulated in inside the overlay film of the smart chip card.

7. smart chip card as claimed in claim 1, it is characterised in that the smart chip card also includes：

Card base, wherein, the input equipment, the chip card kernel and the display device are encapsulated on the card base.