CN209312091U - Authentication transaction system based on pasting card - Google Patents

Abstract

The authentication transaction system based on pasting card that the utility model discloses a kind of, including pasting card, pasting card identification terminal, background server, the pasting card is set in mobile phone, the pasting card is equipped with basic module, the basic module includes safe unit, NFC near-field communication module, intelligent OS, the pasting card is additionally provided with identification module, stored value card module, financial IC card module, the identification module includes EID module, EID individualized module, the stored value card module includes stored value card module, electronic bankbook module, EDEP individualized module, the financial IC card module includes PBOC module, PBOC individualized module, the pasting card identification terminal and background server is connected to the network.The utility model fusion EID, ED, EP, IC card function are pasted on SIM cards of mobile phones using can be carried around pasting card, easy to use.

Description

Authentication transaction system based on pasting card

Technical field

The utility model relates to Internet of Things transaction technology fields, hand over more particularly, to a kind of authentication based on pasting card Easy system.

Background technique

EID be based on cryptographic technique, using intelligent and safe chip as carrier, by " Ministry of Public Security's citizen's network identity identify System " is signed and issued to the network identity mark of citizen, online under the premise of not revealing identity information can remotely identify identity. " network identification card " is not the entity certificate as " resident identification card ".It is a chip, can be mounted in any one In the cards such as a bank card, social security card, it might even be possible to bracelet be made and be worn on hand.When we are being equipped with " network identification card " When bank card is placed on card reader or the reading of the smart phone back side, the name in Submitted online oneself, address, phone, body are not needed The personal information such as part card number.

People's Bank of China has formally issued professional standard " China's finance integrated circuit (IC) calliper model " (JR/T 0025- 2005) (abbreviation PBOC2.0 in the industry), specification supplement improve stored value card/bankbook application；It increases compatible with EMV standard By means of/credit application；Increase non-contact IC card physical characteristic standard；Increase stored value card (EP) electronic bankbook (ED) expanded application Guide borrows the/contents such as the individualized guide of credit application.

People's Bank of China has also issued the financial IC card application " about the opinion for promoting financial IC card application work " Comprehensively since starting, each task growth momentum is good: the terminals such as ATM and POS equipment can all accept financial IC card, by For the accumulative distribution financial IC card in 2012 end of the year whole nations up to 1.26 hundred million, financial IC card is quick using obtaining in Public Service Field It promotes, the various new opplications based on financial IC card, new demand continue to bring out.To support financial IC card in Public Service Field comprehensively In application, adapt to the multi-field application demand of current financial IC card, People's Bank of China set about in 2012 carry out third time PBOC specification upgrade job, the formal publication on 2 5th, 2013 of the specification of PBOC 3.0.

Either EID or stored value card (EP) electronic bankbook (ED) or financial IC card, application before realize it is all base In the realization of IC card hard card, user need to carry identity card or IC card, be easy to forget, inconvenient, take now with mobile Business is goed deep into, and more people, which go out, only carries mobile phone, completes various certifications and use with mobile phone application.

Summary of the invention

The utility model is real based on IC card hard card in order to be respectively necessary for when solving the application such as existing EID, ED, EP, IC card It is existing, it need to carry, be easy to forget, problem inconvenient to use provides a kind of fusion EID, ED, EP, IC card function, using can Carry pasting card, the authentication transaction system easy to use based on pasting card.

To achieve the goals above, the utility model uses following technical scheme: the authentication transaction based on pasting card System, including pasting card, pasting card identification terminal, background server, the pasting card are set in mobile phone, the pasting card Equipped with basic module, the basic module includes safe unit, NFC near-field communication module, intelligence OS, and the pasting card is also set There are identification module, stored value card module, financial IC card module, the identification module includes EID module, EID Peopleization module, the stored value card module include stored value card module, electronic bankbook module, EDEP individualized module, described Financial IC card module include PBOC module, PBOC individualized module, the pasting card identification terminal and background server net Network connection.The pasting card safe unit of this programme is that pasting card itself can support a variety of national secret algorithms such as SM2/3, has SE (peace Full unit) function, the multiple functions module such as authentication, finance, communication can be carried, it is possible to provide the convenient letter communicated and encrypt Breath service, and the efficiently means of payment；Pasting card NFC near-field communication module, with NFC application market environment gradually at It is ripe, it is desirable that pasting card can support the application of NFC, the i.e. pasting card with SWP interface of this programme；Pasting card intelligence OS (operation System), a variety of applications can be written in every pasting card, provide a kind of payment scheme flexibly, economic for developer, A convenient and fast platform is provided for terminal user；EID module can facilitate user to verify body when not leaking identity information Part, sign test data etc.；EID individualized module can individualize pasting card, realize encryption, decryption, modification personal identification number etc. Function；Stored value card module is the financial IC card application for facilitating user's small amount to consume and designing, it supports load, consumption etc. to hand over Easily；Electronic bankbook module: it is consumed for user, the transaction such as enchashment and the gold of support personal identification number (PIN) protection designed Melt IC card application.It supports load, circle to mention, consume and the transaction such as enchashment；EDEP (referring to electronic bankbook stored value card) is individualized Module can individualize pasting card, realize that encryption, decryption, circle mention, load, modify the functions such as personal identification number；PBOC module It standardizes and is arranged according to PBOC 3.0, facilitate the consumption of user's small amount and the inter-trade IC card application such as finance, traffic of design, it is supported The transaction such as load, consumption, payment；PBOC individualized module, which can carry out pasting card meeting 3.0 specification of PBOC, to be individualized, real It now encrypts, decryption, circle mention, load, modify the functions such as personal identification number.

Preferably, the pad pasting card thickness is not higher than 0.18mm.This programme pasting card can easily be attached to standard, In Micro and Nano SIM card and the problem of being inserted into mobile phone card slot, be not in thickness effect plug-in card, it is allowed to not allow easy to break It is bad.Card spoilage is not only greatly reduced, but also improves the easness of the plug-in card of card.

Preferably, the pasting card is multilayered structure, each layer structure bond of the pasting card is fixed, each layer Peel strength between structure is not less than 0.35N/mm.

Preferably, the pasting card identification terminal is contactless communication terminal.

Preferably, the pasting card is adhered on SIM cards of mobile phones, the pasting card is equipped with support standard ISO/IEC The circuit of 7816 agreements, the pasting card are attached control to SIM card with the identity of second 7816 interface equipment, including cold Hot reset, PPS agreement are chosen to be transmitted with I/O.This programme pasting card ensures the communication between mobile phone and original SIM not by pasting card Interference and distort, do not influence the normal work of former SIM card, be GSMA approve technical solution, ensured that the communication of user is hidden Private safety.

Pasting card is the basis of this programme authentication transaction system, and structure has been known, and the pasting card of this programme is also With used below and design feature:

A) stability of card size, card structure reliability meets defined ruler after exposure in following temperature and relative humidity It is very little, temperature: -35 DEG C~50 DEG C, relative humidity: 5%~95%；

B) operating temperature: pasting card works in -25 DEG C~85 DEG C of ambient temperature range；

C) antistatic property: under the normal use of the people of static electrification, integrated circuit should not be damaged, in any contact and Between ground, by the electrostatic for the 2500V that the capacitor of a 100pF is generated by the conductive discharge of 1500 Ω, when card is exposed wherein, Function should not reduce；

D) resist magnetostatic field characteristic: pasting card is exposed in the magnetic field of 79500A/m the failure that should not cause integrated circuit, surveys Examination should carry out in the magnetostatic field of designated value；

E) contact surface resistance: the contact resistance of pad pasting card connector assembly can be provided and be tested (example by test card Such as, when short-circuit between the contact in test card), the maximum allowable resistance of contact surface is 450m Ω；

F) the overlay coating thickness of contact and contact point: contact: Au: >=0.12um, Ni: >=3um, contact point: Au: >= 0.12um, Ni: >=3um；

G) durability: the durability of pasting card should ensure that in the condition of normal use not less than 2 years, and erasable number is not Lower than 100,000 times；

H) plug number: plug number of the pasting card in card reader (containing the read-write equipments such as mobile phone) reach 10000 times with Afterwards, it remains to work normally；

I) bent toughness: the bent toughness of ID-1 specification card should can be remembered under the conditions of normal use (be bent but do not roll over) Record or printing device displacement but the deformation of card function is not damaged, when the test device test card described with GB/T17554.1-2006 The deformation maximum of generation should be 35mm, and minimum should be 13mm, and in the 1min after removing device, card should restore initially planar State (offset is in 1.5mm)；

J) peel strength: the layers of material for constituting card structure should be bonded together, and each layer should all have 0.35N/mm's Minimum peel strength is judged to can receive automatically if being torn layer since adhesive strength is greater than layer dduring test；

K) electrical characteristic, transport protocol, logical security: meet ETSI TS 102 221.

Therefore, the utility model has the following beneficial effects: having merged EID, ED, EP, IC card function, using can take with oneself Band pasting card, is pasted on SIM cards of mobile phones, easy to use.

Detailed description of the invention

Fig. 1 is a kind of identification principle assumption diagram of the utility model.

Fig. 2 is a kind of stored value card electronic bankbook principle assumption diagram of the utility model.

Fig. 3 is a kind of financial IC card principle assumption diagram of the utility model.

Fig. 4 is the circuit principle structure schematic diagram of the utility model.

Specific embodiment

The utility model is further described with reference to the accompanying drawing.

As shown in Figures 1 to 4, the authentication transaction system based on pasting card, including the identification of pasting card, pasting card is eventually End, background server, pasting card are set in mobile phone, and pasting card is equipped with basic module, and basic module includes safe unit, NFC close Field communication module, intelligence OS, pasting card are additionally provided with identification module, stored value card module, financial IC card module, identification Module includes EID module, EID individualized module, and stored value card module includes stored value card module, electronic bankbook module, EDEP Individualized module, financial IC card module include PBOC module, PBOC individualized module, pasting card identification terminal and background server Network connection；

Pad pasting card thickness is not higher than 0.18mm；

Pasting card is multilayered structure, and each layer structure bond of pasting card is fixed, and the peel strength between each layer structure is not small In 0.35N/mm；

Pasting card identification terminal is contactless communication terminal；

Pasting card is adhered on SIM cards of mobile phones, and pasting card is equipped with the circuit of 7816 agreement of support standard ISO/IEC, pad pasting Card is attached control, including cold and hot reset, the selection of PPS agreement and I/O to SIM card with the identity of second 7816 interface equipment Transmission.

Specifically used process is, firstly, intelligence OS is written in the pasting card tentatively to complete, then by EID/ED/EP/ After pasting card is written in PBOC module application, according to user's demands of individuals, EID/ED/EP/PBOC is individualized and forms EID people Change module, EDEP individualized module, PBOC individualized module, then pasting card can be adhered on SIM cards of mobile phones, with mobile phone It carries together.

Encounter authentication scene, shopping payment scene, bank card are deposited when borrowing scene, it is only necessary to by mobile phone close to Corresponding pasting card identification terminal, pasting card identification terminal combination background server can automatic identification and user individual's binding Pasting card, by certain verifying means (such as password identification, recognition of face) determination be user operation after Complete authentication, debt payment, bank's deposits and loans business etc..

Claims (5)

1. a kind of authentication transaction system based on pasting card, including pasting card, pasting card identification terminal, background server, It is characterized in that, the pasting card is set in mobile phone, the pasting card is equipped with basic module, and the basic module includes Safe unit, NFC near-field communication module, intelligence OS, the pasting card are additionally provided with identification module, stored value card module, gold Melt IC card module, the identification module includes EID module, EID individualized module, and the stored value card module includes Stored value card module, electronic bankbook module, EDEP individualized module, the financial IC card module include PBOC module, PBOC Individualized module, the pasting card identification terminal and background server are connected to the network.

2. the authentication transaction system according to claim 1 based on pasting card, characterized in that the pasting card is thick Degree is not higher than 0.18mm.

3. the authentication transaction system according to claim 1 based on pasting card, characterized in that the pasting card is Each layer structure bond of multilayered structure, the pasting card is fixed, and the peel strength between each layer structure is not less than 0.35N/ mm。

4. the authentication transaction system according to claim 1 based on pasting card, characterized in that the pasting card is known Other terminal is contactless communication terminal.

5. the authentication transaction system according to claim 1 based on pasting card, characterized in that the pasting card is viscous It is attached on SIM cards of mobile phones, the pasting card is equipped with the circuit of 7816 agreement of support standard ISO/IEC, and the pasting card is with second The identity of a 7816 interface equipment is attached control to SIM card, including cold and hot reset, PPS agreement are chosen and transmitted with I/O.