TW202201281A - Smart card and verifying method thereof - Google Patents

Abstract

The invention provides a smart card and a verifying method thereof. The smart card comprises a sensing module and a smart chip having a card transaction information. The sensing module consists of a plurality of sensing units distributed separately, a group of sensing units are triggered to generate a verification password. After the verification password is verified, the card transaction information is invoked. The invention realizes the password verification of the non-contact smart card enabling the function of quick pass, thereby ensuring the security of the smart card.

Description

Smart card and its verification method

The present invention relates to the technical field of smart cards, and in particular to a smart card and a verification method thereof.

With the rapid development of network information technology, information security has become very important. The traditional magnetic stripe card has low technical level, small information storage and poor security. It is replaced by smart cards and is widely used in payment, ticket and other scenarios. For the contactless smart card with the quick pass function, you only need to bring the smart card close to the POS machine to complete the payment without signing and entering the transaction password. The use process is simple and fast.

However, it has also led to the above-mentioned characteristics of contactless smart cards used by many criminals. They use POS machines to swipe cards through clothes, handbags, etc., causing economic losses to victims. Or, once the above-mentioned non-contact smart card is lost, the card is at risk of being stolen by the person who picks up the items. Moreover, when using a contactless smart card for online consumption, generally only need to input the card number, expiration date and 3-digit PIN code to complete the transaction. The card number, expiry date and 3-digit PIN code of the contactless smart card in the prior art are directly displayed on the card. Once it is seen by others, even if the card is not lost, important information may still be stolen and used. Internet consumption.

In view of this, the present invention provides a smart card and a verification method thereof to ensure the security of the contactless smart card.

According to an aspect of the present invention, a smart card is provided. The smart card includes a sensing module and a smart chip with a card transaction message. The sensing module and the smart chip are electrically connected, and the sensing module is composed of a plurality of sensing units distributed at intervals. When a group of sensing units is triggered, a verification password is generated, and after the verification password is verified, the card transaction The message is called.

Preferably, the smart card further includes an electrochromic display. The electrochromic display and the smart chip are electrically connected. When the smart card is in an unverified state, or the verification password fails, the electrochromic display is in a first state, and the first state is to hide a preset information about the smart card. ; After the verification password is successfully verified, the electrochromic display switches from the first state to a second state, and the second state is to display preset information about the smart card.

Preferably, the card transaction information at least includes the card number, or the card transaction information at least includes the card number and the transaction password.

Preferably, the card transaction information includes at least multiple groups of card numbers and their corresponding transaction passwords, each group of card numbers and transaction passwords corresponds to a verification password, and after the verification password is verified, the corresponding group of card numbers and transaction passwords. called.

Preferably, the sensing units are all light control elements. When a group of sensing units in the sensing module does not sense light, and the rest of the sensing units in the sensing module sense light, they do not sense light. The resistance value in a group of sensing units that have detected light is different from that of other sensing units, and the smart chip generates a verification code according to a group of sensing units that have not sensed light.

Preferably, the sensing units are all pressure sensing elements, and when the external pressure intensity sensed by a set of sensing units in the sensing module is greater than a first preset threshold, the resistance inside the set of sensing units When the value changes, the smart chip generates a verification code according to a group of sensing units whose resistance value changes.

Preferably, the smart card includes a solar cell module. Solar cell modules are used to convert solar energy into electrical energy to power smart cards.

Preferably, the sensing module and the smart chip are located at opposite ends of the smart card.

According to another aspect of the present invention, a verification method for a smart card is provided for performing password verification on the smart card. The verification method includes the following steps: receiving a data connection request sent by a sensing device; in response to the data connection request, Acquire a set of triggered sensing units in the sensing module; orderly combine and encode the triggered set of sensing units to generate a verification password; after the verification password is passed, send a card transaction to the receiving sensing device message.

Preferably, the smart card further includes an electrochromic display. The electrochromic display is electrically connected with the smart chip, and the verification method further includes the following steps: after the verification of the verification password is passed, the electrochromic display displays a preset card information.

Preferably, the verification method further comprises the following steps: after the verification of the verification password fails, obtain the number of consecutive verification failures of the verification password, and determine whether the number of consecutive verification failures is greater than a second preset threshold, and if so, perform the verification on the smart card. lock and send the card transaction message to a server.

Compared with the prior art, the beneficial technical effect of the present invention is that the smart card and the verification method thereof provided by the present invention are provided with a sensing module composed of a plurality of sensing units on the smart card, and the user only needs to perform a simple The gesture operation can trigger the sensing unit and generate the corresponding verification password to realize the password verification of the smart card. safety.

Exemplary embodiments will now be described more fully with reference to the accompanying drawings. Exemplary embodiments, however, can be embodied in various forms and should not be construed as limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present invention. However, one of ordinary skill in the art will recognize that the technical solutions of the present invention can be practiced without one or more of the specific details, or other methods, materials, devices, etc. may be employed. In other instances, well-known solutions have not been shown or described in detail to avoid obscuring aspects of the present invention. The same reference numerals in the drawings denote the same or similar structures, and thus their detailed descriptions will be omitted.

The terms "a", "an", "this/the", "aforesaid" and "at least one" are used to indicate the presence of one or more elements/components/etc; the terms "include", "have" and " With" is used to indicate an open-ended inclusive meaning and to mean that additional elements/components/etc may be present in addition to the listed elements/components/etc.

As shown in FIG. 1 , the present invention discloses a smart card 101 . The smart card 101 includes a sensing module 102 and a smart chip 103 having a card transaction message. The sensing module 102 and the smart chip 103 are electrically connected. The sensing module 102 is composed of a plurality of sensing units 201 distributed at intervals. When a group of sensing units 201 in the sensing module 102 is triggered, a verification password is generated. When the verification password is verified and passed, the card transaction message can be called. It should be noted that, the number of the sensing units 201 in the above-mentioned group of sensing units 201 may be one, or may be multiple, which means that a group of sensing units 201 has at least one sensing unit 201 . The present invention does not limit this. There is an interval between every two adjacent sensing units 201 .

Wherein, when the triggered group of sensing units 201 satisfies a preset combination, the generated verification password is correct, and the verification password will be verified successfully. Otherwise, it means that the group of sensing units 201 does not satisfy the above-mentioned preset combination, and the verification password will fail to be verified.

The smart chip 103 of this embodiment is composed of a microprocessor, a storage unit, an input and output port, a code conversion unit, a code comparison logic unit, and an antenna. The input and output ports, the code conversion unit, the code comparison logic unit and the microprocessor are connected in sequence, and the storage unit and the antenna are all connected with the microprocessor. The above-mentioned input and output ports are electrically connected to the sensing module 102 . However, the present invention does not limit the internal structure of the smart chip 103 . Before the smart card 101 is used for the first time, the smart card 101 needs to be initialized. That is, an initial password needs to be set, and the initial password is stored in the storage unit. Specifically, the user can use a sensing device with a short-range wireless communication (such as RFID, NFC) function, such as an ATM machine, a POS machine or a mobile phone, etc., and place the smart card 101 in the communication sensing area of the sensing device. After receiving the instruction from the sensing device, the smart card 101 enters the setting mode, and the user can set the password. When the verification password is verified, it is to compare whether the verification password is consistent with the above-mentioned initial password. If the result is the same, the verification is successful; otherwise, the verification fails.

The storage unit of the smart chip 103 also pre-stores a card transaction message. The card transaction message includes at least a card number. When the verification password is verified and passed, the card transaction information is called, and the card transaction message containing the card number is sent to a button. The fee-side (such as a bank) to achieve successful deduction.

The sensing unit 201 can be displayed on the smart card 101 in the form of dots, and can also be displayed in the form of other shapes. Specifically, when at least one sensing unit 201 is triggered by a preset condition, the smart chip 103 of the smart card 101 generates a verification password. For example, FIG. 2 is a schematic structural diagram of a sensing module 102 . Please refer to FIG. 2 , the sensing module 102 in FIG. 2 has nine sensing units 201 , and the nine sensing units 201 are distributed in a matrix form. When at least one of the nine sensing units 201 satisfies the aforesaid preset conditions, it will be triggered. The preset conditions may be, for example, triggering without sensing light, triggering upon sensing light, or pressure intensity greater than a predetermined level. The threshold pressure is triggered.

In this embodiment, after the sensing unit 201 is triggered, the internal state of the sensing unit 201 changes, for example, the internal resistance value changes. The aforementioned code conversion unit converts the code according to the changed internal state to form a corresponding verification password. Exemplarily, after the sensing unit 201 is triggered based on a preset condition, the sensing value corresponding to the encoded internal state is switched from a first sensing value to a second sensing value. For example, before being triggered, the first sensing value corresponding to the sensing unit 201 is 1; after being triggered, the second sensing value corresponding to the sensing unit 201 is 0.

It should be noted that the above distribution form is only used for exemplary description, and the present invention does not limit the distribution form of the sensing unit 201 .

In this embodiment, the sensing units 201 are all light control elements. When a group of sensing units 201 in the sensing module 102 does not sense illumination, and the remaining sensing units 201 in the sensing module 102 sense illumination, the group of sensing units that do not sense illumination The resistance value within 201 is different from the rest of the sensing units 201 . The smart chip 103 generates a verification password according to the group of sensing units 201 that do not sense light.

Specifically, referring to FIG. 2, the four sensing units 201 in the dotted frame 202 in FIG. 2 are covered by fingers and do not sense light, so the resistance values of these four sensing units 201 will change. , and is different from the resistance value of the rest of the sensing units 201 in the dotted box 203 . The aforementioned code conversion unit performs conversion coding according to the resistance values of the four sensing units 201 that have changed and the resistance values of the remaining sensing units 201 that have not changed to generate a verification password. It should be noted that, in the process of generating the verification password after conversion coding, the verification password is generated in sequence. For example, please refer to FIG. 2, firstly encode the three sensing units 201 in the first row in the order from left to right, and then encode the three sensing units 201 in the second row in the order from left to right The coding is performed sequentially, and finally the three sensing units 201 in the third row are coded from left to right.

Continuing to refer to FIG. 2 , for the remaining sensing units 201 whose resistance values in the dotted box 203 do not change, the corresponding sensing values generated by the coding are all 1. For the four sensing units 201 whose resistance values in the dotted box 202 change, the corresponding sensing values generated by the coding are all 0. Then, the nine-word code generated by the sensing module 102 in the second figure, that is, the verification password, is 111100100. If the preset initial password is also 111100100, then the verification password has passed the verification; otherwise, the verification will fail.

In this way, the user only needs to cover the position of the sensing unit 201 corresponding to the initial password with his finger to realize the function of password input, achieve a better user experience, and improve the security of the contactless smart card 10 sex. In this embodiment, the example shown in FIG. 2 uses a nine-word encoding scheme to generate a verification password, and the nine-word encoding can generate 512 different encoding schemes to ensure that the smart card 101 has sufficient security. In other embodiments, those with ordinary knowledge in the art can increase or decrease the number of sensing units 201 according to the requirements of the security level.

As a preferred embodiment of the present invention, the sensing module 102 may be composed of a plurality of sensing units 201 arranged in a dot array and distributed at intervals, or the sensing units 201 in the sensing module 102 may be two by two The lines are connected to form lines, and the lines are then connected to form a preset pattern. In this way, the smart card 101 has a certain aesthetic feeling under the premise of meeting the security requirements.

As shown in FIG. 3 , in a preferred embodiment of the present invention, the smart card 101 further includes an electrochromic display 104 , and the electrochromic display 104 is electrically connected to the microprocessor in the smart chip 103 . After the verification password is successfully verified, the electrochromic display 104 switches from a first state to a second state, and the second state is to display a preset information about the smart card 101 . The electrochromic display 104 is in the first state when the smart card 101 is in an unverified state, or after the verification password fails to be verified, and the first state is to hide the default information of the smart card 101 . In this way, the relevant card information of the smart card 101 can be prevented from being peeped by others, and the card information can be displayed only after the user successfully performs the password verification, thereby enhancing the security of the smart card 101 . The default information about the smart card includes at least the card number of the smart card.

In a preferred embodiment of the present invention, the card transaction message includes at least a card number and a transaction password. After the verification password is verified and passed, the card transaction message containing the card number and the transaction password is sent to a deduction terminal (such as a bank), thereby realizing successful deduction.

In a preferred embodiment of the present invention, the card transaction message includes at least a plurality of groups of card numbers and their corresponding transaction passwords. Each group of card numbers and transaction passwords corresponds to a verification password. After the verification password is verified, the corresponding A set of card numbers and transaction passwords are called. In this way, multiple cards with different card numbers can be built in the smart card 101, including credit cards and debit cards, etc.; the user no longer needs to carry multiple cards, and each card corresponds to an initial password one-to-one. When conducting a transaction, you only need to input the verification password that is the same as the initial password, and then you can perform operations such as consumption on the card corresponding to the verification password.

In other embodiments, when a plurality of cards with different card numbers are built in the smart card 101, each card can also be in a one-to-one correspondence with a set of information including the last N digits of the card number and the initial password, that is, After the user succeeds in the last N digits of the card number and the initial password, the matching card number can be uniquely determined, and operations such as consumption can be performed.

In a preferred embodiment of the present invention, the sensing units 201 are all pressure sensing elements. When the external pressure intensity sensed by a group of sensing units 201 in the sensing module 102 is greater than a first preset threshold , the resistance value inside the set of sensing units 201 changes, and the smart chip 103 generates a verification password according to the set of sensing units 201 whose resistance values change and the remaining sensing units 201 whose resistance values do not change. The specific process of encoding and generating the verification password can be referred to the process of the embodiment corresponding to the sensing unit 201 as the light control element, which will not be repeated here. In this embodiment, the first preset threshold may be 1 N (Newton), but the present invention is not limited to this.

In a preferred embodiment of the present invention, the smart card 101 includes a solar cell module, and the solar cell module is used for converting solar energy into electrical energy to supply power to the smart card 101 . Therefore, when the user needs to display the preset information of the smart card 101 on the electrochromic display 104, it is no longer necessary to approach a specific sensing device and use the sensing device to supply power to the smart card 101 to enable the electrochromic display 104 displays information, which is more convenient for users to use.

In a preferred embodiment of the present invention, the sensing module 102 and the smart chip 103 are designed to be located at opposite ends of the smart card 101 , that is, when the sensing module 102 is located at one end of the smart card 101 , the smart chip 103 is located at the opposite end of the smart card 101, so as to prevent the perspiration or grease produced by daily finger touches from corroding the smart chip 103, which is beneficial to prolong the service life of the smart card 101; The adverse effect caused by the stability of the smart chip 103 is beneficial to ensure the stability of the smart chip 103 .

As shown in FIG. 4, the present invention discloses a verification method for a smart card, which is used to perform password verification on the smart card disclosed in some of the foregoing embodiments. The detailed structural features and advantages of the smart card can be referred to the descriptions of some of the foregoing embodiments. It will not be repeated here. The verification method of the smart card includes the following steps.

Step S401: Receive a data connection request sent by a sensing device. When consuming the smart card, the smart card needs to be placed in the communication sensing area of the sensing device, and then the sensing device sends a data connection request.

Step S402: Acquire a set of triggered sensing units in the sensing module in response to the data connection request. Wherein, the triggered group of sensing units can be triggered by light or by pressure.

Step S403: Orderly combine and encode a set of triggered sensing units to generate a verification password. Wherein, in the process of generating the verification password, the sensing units are combined in sequence and then encoded, or combined in sequence after encoding, to generate the verification password.

Step S404: After the verification of the password is passed, a card transaction message is sent to the sensing device, and the card transaction message at least includes the card number.

In another embodiment, the smart card further includes an electrochromic display, and the electrochromic display and the smart chip are electrically connected; the verification method further includes the following steps: after the verification password is verified, the electrochromic display displays a predetermined Set card information. The default card information includes at least the card number of the smart card.

In another embodiment, the verification method further includes the following steps: after the verification password fails to be verified, obtain the number of consecutive verification failures of the verification password, and determine whether the number of consecutive verification failures is greater than a second preset threshold, and if so, then The smart card is locked and the card transaction message is sent to a server. Then, the server can send it to a deduction terminal (such as a bank, etc.), which is beneficial to further ensure the security of the smart card.

To sum up, the smart card and the verification method thereof of the present invention have at least the following advantages: the smart card and the verification method disclosed in this embodiment use a sensing module composed of a plurality of sensing units on the smart card, and the user only needs to A simple gesture operation is required to trigger the sensing unit, generate the corresponding verification password, and realize the password verification before the consumption and other operations of the smart card with the QuickPass function enabled. Picking up the card will not get the card information, so as to ensure the security of the smart card.

In the description herein, description of the terms "one embodiment," "some embodiments," "exemplary embodiment," "example," "specific example," etc. refer to specific features described in connection with the embodiment or example , structure, material or feature is included in at least one embodiment or example of the present invention. In this document, schematic representations of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

The above content is a further detailed description of the present invention in conjunction with specific preferred embodiments, and it cannot be assumed that the specific embodiments of the present invention are limited to these descriptions. For those with ordinary knowledge in the technical field to which the present invention belongs, without departing from the concept of the present invention, some simple deductions or substitutions can still be made, which should be regarded as belonging to the protection scope of the present invention.

101: Smart Card 102: Sensing module 103: Smart Chip 104: Electrochromic Displays 201: Sensing unit 202, 203: Dotted box S401~S404: Steps

The accompanying drawings of the present invention, which are incorporated into and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description serve to explain the principles of the invention. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention, and for those with ordinary knowledge in the technical field, without creative efforts, the accompanying drawings can also be used according to the drawings. Obtain other schemas. FIG. 1 is a schematic structural diagram of a smart card disclosed in an embodiment of the present invention; Figure 2 is a schematic structural diagram of the sensing module of the smart card in Figure 1; FIG. 3 is a schematic structural diagram of a smart card disclosed in another embodiment of the present invention. FIG. 4 is a schematic flowchart of a verification method for a smart card disclosed in an embodiment of the present invention.

101: Smart Card

102: Sensing module

103: Smart Chip

Claims (10)

A smart card includes a sensing module and a smart chip with a card transaction message, the sensing module is electrically connected with the smart chip, and the sensing module is composed of a plurality of sensing units distributed at intervals, When a group of sensing units is triggered to generate a verification password, and the verification password is verified and passed, the card transaction message is invoked. The smart card of claim 1, further comprising an electrochromic display, the electrochromic display is electrically connected to the smart chip, and when the smart card is in an unverified state, or the verification password fails to be verified, the The electrochromic display is in a first state, and the first state is to hide a preset information about the smart card; after the verification password is successfully verified, the electrochromic display switches from the first state to a second state state, the second state is to display the default information about the smart card. The smart card of claim 1, wherein the card transaction information at least includes a card number, or the card transaction information at least includes the card number and a transaction password. The smart card as claimed in claim 1, wherein the card transaction information includes at least a plurality of sets of card numbers and their corresponding transaction passwords, wherein one group of the card numbers and the transaction passwords corresponds to the verification password, when the verification password is verified and passed Then, the card number and the transaction password of the group that should verify the password are called. The smart card of claim 1, wherein the sensing units are light control elements, when a group of sensing units in the sensing module does not sense light, and the rest of the sensing modules When the sensing units sense light, the resistance values in the group of sensing units that do not sense light are different from the resistance values of the other sensing units. The group of sensing units generates the verification password. The smart card of claim 1, wherein the sensing units are pressure sensing elements, and when the external pressure intensity sensed by a group of sensing units in the sensing module is greater than a first preset threshold, The resistance value inside the set of sensing units changes, and the smart chip generates the verification password according to the set of sensing units whose resistance value changes. The smart card of claim 1 further includes a solar cell module, which is used for converting solar energy into electrical energy to supply power for the smart card. A verification method for a smart card, used for password verification of the smart card as described in claim 1, the verification method comprising the following steps: receiving a data connection request sent by a sensing device; In response to the data connection request, obtain a set of triggered sensing units in the sensing module; orderly combining and coding the triggered group of sensing units to generate a verification password; After the verification of the verification password is passed, the card transaction message is sent to the sensing device. The verification method for a smart card according to claim 8, wherein the smart card further comprises an electrochromic display, and the electrochromic display is electrically connected to the smart chip, and the verification method further comprises the following steps: After the verification password is verified, the electrochromic display displays a preset card information. The verification method for a smart card as claimed in claim 8, wherein the verification method further comprises the following steps: After the verification of the verification password fails, obtain the number of consecutive verification failures of the verification password, and determine whether the number of consecutive verification failures is greater than a second preset threshold, if so, lock the smart card and send the card transaction message sent to a server.

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