WO2009018683A1

WO2009018683A1 - A payment method and system for certification by a smart card with a display and a keyboard using one time dynamic cipher code

Info

Publication number: WO2009018683A1
Application number: PCT/CN2007/002382
Authority: WO
Inventors: Kamfu Wong
Original assignee: Kamfu Wong
Priority date: 2007-08-08
Filing date: 2007-08-08
Publication date: 2009-02-12
Also published as: HK1151651A1; CN101939945A; CN101939945B

Abstract

A system and method for pay using one time dynamic ciphers and a smart card with a keyboard and a display is provided. The same one cipher code table (7) is set in the smart card (1) and in the account system (4) of the card-issuing bank, respectively, multiple one time ciphers (701) are stored in the cipher code table (7). When paying or transferring accounts, the card holder inputs some information, like account cipher code, money etc., to the smart card (1) in advance, then the smart card (1) extracts an unused one time cipher code (701) from the cipher code table (7) in the card and encrypts the information, and the smart card (1) transmits the encrypted information to the account system (4) of the card-issuing bank through the POS machine (2) and the account system (3) of the card-receiving bank, the account system (4) of the card-issuing bank decrypts the encrypted information using the one time cipher (701) corresponding to the encrypted information. After decrypting, the account system (4) of the card-issuing bank processes the corresponding operations of bank account, like payment, virement and so on, according to the information content.

Description

One-time dynamic password authentication payment method and system with on-screen keyboard smart card

[Technical Field I

The present invention relates to a system and corresponding method for payment transfer using a smart card. 【Background technique】

With the advancement of the times, bank cards such as credit cards, debit cards, and payment cards issued by various bank financial institutions have also undergone great changes. Previously, bank cards were generally made of plastic with tape. Card, the tape on the card records the card's account number and other information. This kind of bank card with tape is easy to be copied and copied. In order to enhance the anti-counterfeiting of bank cards, many banking financial institutions have adopted smart cards instead of traditional ones. Bank cards with tapes, these smart cards generally use keys as a means of anti-counterfeiting security. Through various encryption and decryption measures, it is necessary to use many levels of resources to break the secret, making it difficult to break the secret, and ensuring that smart cards cannot It is copied by fakes, but with the development of computer technology, the computing power of computers is getting stronger and stronger. Some anti-counterfeiting security measures that were previously considered to be safe and reliable and unbreakable may also be cracked by computers with powerful computing power. The security of bank cards for these security measures is challenged to protect against these smart cards. Pseudo-security, many banking financial institutions have adopted more sophisticated anti-counterfeiting security measures, using more complex key and algorithm encryption and decryption technology, which will not only increase the cost, but with the development of computer technology, as long as several years, At present, the security measures that are regarded as safe and reliable may also be completely cracked. A security measure that can protect bank cards is an issue actively studied by financial institutions of various banks. '

[Summary of the Invention]

It is an object of the present invention to provide a payment system for a smart card having secure and reliable anti-counterfeiting security means and a corresponding payment method for realizing applications in various size payment transfer.

The object of the present invention is achieved by using such a payment system with a keyboard and a display smart card, characterized in that the system comprises a smart card (1), a POS machine (2), a card receiving bank accounting system. (3) a card issuing bank accounting system (4), a communication network (5), a merchant card (6), wherein the card collecting bank accounting system (3) is connected to the issuing bank accounting system (4), and Through the communication network (5) and the P0S machine (2) installed in each merchant, the telecommunications connection,

as well as,

The smart card (1) is a smart card with a keyboard and a display screen, and is mainly used as a certificate for the authentication card owner in transactions such as payment, transfer, and the like; The POS machine (2) is mainly used to transfer transaction data to the receiving bank accounting system (3) through the communication network (5) for processing. Each POS machine (2) has a unique POS number (201). ;

The card collection and accounting system (3) is mainly used to process transaction data, and according to the content of the transaction data, through the card issuing bank account system (4), the designated smart card account is correspondingly transferred, paid and other bank account operations;

The card issuing bank accounting system (4) is mainly used for performing bank transfer operations such as transfer and payment for the designated smart card account according to the information sent by the card collecting bank accounting system (3);

The communication network (5) may be a wired communication network, a wireless communication network, a mobile telephone network, or a fixed-line telephone network;

The merchant card (6) is a smart card built into the P0S machine (2). It is mainly used to cooperate with the P0S machine (2) to provide functions such as encryption, decryption, authentication, micropayment, renewal, and recharge.

And, in the smart card (1) and the card issuing bank accounting system (4), respectively, an identical key table (7) is provided, and the key table (7) stores a plurality of one-time keys (701); When paying or transferring, the card owner enters the account password, the amount and the like on the smart card (1) in advance, and the smart card (1) extracts an unused one-time key (701) from the card key table (7). Encrypted, then the smart card (1) transmits the encrypted data to the card issuing bank accounting system (4) through the POS machine (2) and the card receiving bank accounting system (3), which is adopted by the card issuing bank accounting system (4) The one-time key (701) corresponding to the encrypted data decrypts the encrypted data. After the decryption is successful, the issuing bank accounting system (4) performs corresponding bank account operations such as payment and transfer according to the data content.

as well as,

The main structure of the smart card (1) comprises a main chip (101), a keyboard (102), a display device (103), a communication interface (104), and a power supply (105), wherein the main chip (101) is provided with a CPU and The memory is connected to other components and operates according to a predetermined program to implement various predetermined functions, including reading data of the card main input through the keyboard (102), displaying prompt information through the display device (103), and communicating through the communication interface (104). Sending and receiving information, encrypting transaction data, storing transaction data, setting passwords, locking, unlocking, etc., and a unique card number (106) in the main chip (101), and a smart card (1) Powered by the power source (105), the power source (105) may be a battery or a solar cell.

among them,

The master chip (101) is provided with a key table (7), and the key table (7) stores a plurality of one-time keys (701) and index numbers for verifying the identity of the smart card (1) ( 702), each index number (702) corresponds to a one-time key (701).

as well as,

The card issuing bank account system (4) has a plurality of smart card accounts, and each smart card account corresponds to one The smart card (1), the smart card account stores the card number (106) of the smart card (1) corresponding to the account and an account password, and each smart card account has a key table (7), a key table (7) The content of the key table (7) in the smart card (1) corresponding to the smart card account is exactly the same, and a plurality of one-time keys (701) and index numbers for verifying the identity of the smart card (1) are also stored ( 702).

And, using such a payment transfer method with a keyboard and a display smart card, using the aforementioned payment system with a keyboard and a display smart card, wherein the method includes the card owner pre-sending on the smart card (1) Enter the account password, payment amount and other transaction data on the keyboard (102), and the smart card (1) extracts an unused one-time key (701) from the card key table (7) to encrypt the transaction data, and then the smart card (1) transmitting the encrypted transaction data to the card issuing bank accounting system (4), and decrypting the encrypted transaction data by the issuing bank accounting system (4) using the one-time key (701) corresponding to the encrypted transaction data. After the successful decryption, the issuing bank account accounting system (4) performs corresponding bank account operations such as payment and transfer according to the contents of the transaction data.

In modern cryptography, a one-time pad is considered unbreakable, the key is used only once, and is discarded, and the key is randomly generated. There is no key between the key and the key. Connected, the security of the key is guaranteed. The invention adopts the one-time key as an anti-counterfeiting security means. Before the bank issues the card to the card owner, the card issuing bank sets an identical key table in the card issuing bank accounting system (4) and the smart card (1) in advance (7). ), each one-time key (701) in the key table (7) will only be used once. It will be used up and will not be reused, as long as there is enough one-time key in the key table (7). (701), for example, 5000 one-time keys (701), calculated on average 5 times per day with the card, 5000 one-time keys (701) enough for the card owner to use 1000 days, ie about 3 years, if the smart card ( 1) The validity period is only two years as the current general credit card validity period. These 5,000 one-time keys (701) are generally sufficient for the card owner to use during the validity period. In addition, after the one-time key (701) is written into the smart card (1), it cannot be read directly from the card, and can only be used internally by the smart card (1), which can ensure that the one-time key (701) will not be cracked, As a guarantee, the smart card (1) will not be copied by fake.

[Description of the Drawings]

1 is a schematic explanatory view showing the structure of a payment system with a keyboard and a display smart card of the present invention;

Figure 2 is a schematic explanatory view showing the structure of a smart card (1) of the present invention;

Figure 3 is a schematic view showing the image of the smart card (1) of the present invention;

4 is a schematic view showing the image of another smart card (1) of the present invention;

Figure 5 is a schematic diagram of the image of a smart card (1) with a USB interface;

Figure 6 is a schematic explanatory view showing the structure of a merchant card (6) of the present invention;

Figure 7 is a schematic explanatory view showing the steps of the first embodiment of the payment method with the keyboard and the display smart card of the present invention; 8 is a schematic explanatory diagram of the steps of the second embodiment of the payment method with the keyboard and the display smart card of the present invention; FIG. 9 is a schematic explanatory diagram of the steps of the third embodiment of the payment method with the keyboard and the display smart card of the present invention; 10 is a schematic explanatory diagram of steps of a fourth embodiment of a payment method with a keyboard and a display smart card according to the present invention; FIG. 11 is a schematic explanatory diagram of a fifth embodiment of a payment method for a smart card with a keyboard and a display screen according to the present invention; 12 is a schematic explanatory diagram of a sixth embodiment of a payment method with a keyboard and a display smart card according to the present invention; FIG. 13 is a schematic explanatory diagram of a seventh embodiment of a payment method with a keyboard and a display smart card according to the present invention; 14 is a schematic explanatory diagram of the steps of the eighth embodiment of the payment method with the keyboard and the display smart card of the present invention; FIG. 15 is a schematic explanatory diagram of the ninth embodiment of the payment method with the keyboard and the display smart card of the present invention; Figure 16 is a schematic explanatory view showing the steps of a tenth embodiment of the payment method with the keyboard and the display smart card of the present invention.

【detailed description】

The method of the present invention will be further described in detail below with reference to the accompanying drawings. In the figures, the same numerals represent the same systems, devices, and components. The method steps are indicated by the number of the circle and the line with the arrow. The drawings are schematic to illustrate the main steps of the construction and method of the system of the present invention.

Referring to FIG. 1, FIG. 1 is a schematic diagram showing the structure of a payment system with a keyboard and a display smart card according to the present invention. The system shown in the figure includes a smart card (1), a POS machine (2), and a card collecting bank accounting system ( 3), card issuing bank accounting system (4), communication network (5), merchant card (6), wherein the card receiving bank accounting system (3) and the issuing bank accounting system (4) are connected by telecommunications, and pass The communication network (5) is connected to the P0S machine (2) installed in each merchant.

as well as,

The smart card (1) is a smart card with a keyboard and a display, which is mainly used as a certificate for the card holder in the payment, transfer and other transactions;

The P0S machine (2) is mainly used to transfer the transaction data to the receiving card fi ¹ accounting system (3) through the communication network (5), and the P0S machine (2) has a unique P0S machine number ( 201 ) ;

The card receiving bank accounting system (3) is mainly used to process transaction data, and according to the content of the transaction data, through the card issuing bank accounting system (4), the designated smart card account is correspondingly transferred, paid and other bank account operations;

The merchant card (6) is a smart card built into the POS machine (2), which is mainly used in conjunction with the POS machine (2). Provide encryption, decryption, authentication, micropayment, search, recharge and other functions.

as well as,

There is a same key table (7) in the smart card (1) and the issuing bank account system (4), and a plurality of one-time keys (701) are stored in the key table (7); At the time of transfer, the card owner inputs the account password, the amount, and the like on the smart card (1) in advance, and the smart card (1) extracts an unused one-time key (701) from the card key table (7) to encrypt the data. Then the smart card (1) transmits the encrypted data to the card issuing bank accounting system (4) through the POS machine (2) and the card receiving bank accounting system (3), and the card issuing bank accounting system (4) adopts the encrypted data. The one-time key (701) corresponding to the data decrypts the encrypted data, and after the decryption succeeds, the card issuing bank accounting system (4) performs bank account operations such as payment, transfer, etc. of the ffi according to the data content.

as well as,

The card issuing bank account system (4) has a plurality of smart card accounts, each smart card account corresponding to a smart card (1)', and the smart card account stores the card number of the smart card (1) corresponding to the account (106) And an account password, each smart card account has a key table (7), the content of the key table (7) is exactly the same as the key table (7) in the smart card (1) corresponding to the smart card account Also, there are multiple one-time keys (701) and index numbers (702) for verifying the identity of the smart card (1). And, the card issuing bank accounting system (4), each time the transaction data is encrypted, an unused one-time key (701) is extracted from the key table (7) according to a predetermined program, and the transaction data is encrypted, and the card is issued. Each time the bank accounting system (4) decrypts the transaction data, the transaction data is decrypted by extracting a one-time key (701) corresponding to the transaction data from the key table (7) according to a predetermined procedure, and the issuing bank After the accounting system (4) encrypts or decrypts the data, the one-time key (701) is deleted or discarded or marked as used, so that the one-time key (701) will not be issued again by the issuing bank. The accounting system (4) is used. -'

The merchant card account system (3) has a plurality of merchant card accounts, each merchant card account corresponds to a merchant card (6), and each merchant card account has a key table (8). And storing the merchant card number (606) of the merchant card (6) corresponding to the merchant card account, and the key table (8) in the content of the key table (8) and the merchant card corresponding to the merchant card account (6) The content is exactly the same, and there are also multiple one-time keys (801) and index numbers (802) for verifying the identity of the merchant card (6). And, the card receiving bank accounting system (3) encrypts the transaction data by encrypting the transaction data from the key table (8) according to a predetermined procedure each time the transaction data is encrypted, and The receiving bank accounting system (3) decrypts the transaction data each time the transaction data is decrypted, and a one-time key (801) corresponding to the transaction data is extracted from the key table (8) according to a predetermined procedure, and After the card receiving bank account system (3) encrypts or decrypts the data, the one-time key (801) is deleted or discarded or marked as used, so that the one-time key (801) will not be used again. It is used by the card collection and accounting system (3). Referring to FIG. 2, FIG. 2 is a schematic diagram showing the structure of a smart card (1) of the present invention. The main structure of the smart card (1) shown in the figure includes a main chip (101), a keyboard (102), a display device (103), and communication. The interface (104) and the power supply (105), wherein the main chip (101) is provided with a CPU and a memory, and is connected with other components, and operates according to a predetermined program to implement various predetermined functions, including reading through the keyboard (102). Receiving data input by the card main body, displaying prompt information through the display device (103), transmitting and receiving information through the communication interface (104), encrypting transaction data, storing transaction data, setting a password, locking, unlocking, etc., and A unique card number (106) is provided in the main chip (101), and the smart card (1) is powered by the power source (105), which may be a battery or a solar cell.

among them, .

The master chip (101) is provided with a key table (7), and the key table (7) stores a plurality of one-time keys (701) for encrypting and decrypting and verifying the identity of the smart card (1) and The index number (702), each index number (702) corresponds to a one-time key (701).

The communication interface (104) may be a wireless communication device, or a wired communication device, or a Bluetooth device, or an infrared device.

as well as,

Each time the main chip (101) encrypts the transaction data, an unused one-time key (701) is extracted from the key table (7) according to a predetermined program to encrypt the transaction data, and the main chip ( 101) Each time the transaction data is decrypted, a one-time key (701) corresponding to the transaction data is extracted from the key table (7) according to a predetermined procedure, and the transaction data is decrypted, and the main chip (101) will be traded. After the data is encrypted or decrypted, the one-time key (701) is deleted or discarded or marked as used, so that the one-time key (701) is not used again by the smart card (1).

as well as,

The main chip (101) is further provided with a card opening password. Before using the smart card (1), the card user must input the correct card opening password through the keyboard (102), so that the smart card (1) can be used for each operation. .

3 to FIG. 5, FIG. 3 is a schematic diagram of the image of the smart card (1) of the present invention, and FIG. 4 is a schematic diagram of the image of another smart card (1) of the present invention, and FIG. 5 is attached with a USB The schematic diagram of the smart card (1) of the interface, FIG. 3 to FIG. 5 show the outline drawing of the smart card (1) in different embodiments, and the smart card (1) in FIG. 3 and FIG. 4 is attached with the keyboard (102) And the display device (103), the keyboard (102) is provided with a function button of a general counting machine in addition to a numeric key, and the communication interface of the smart card (1) in FIG. 5 is a USB plug, which is particularly suitable for use. The purpose of online payment.

Referring to Figure 6, Figure 6 is a schematic illustration of the structure of the merchant card (6) of the present invention, showing the merchant card (6) The main structure includes a merchant card chip (601), a keyboard (602), a display device (603), a communication interface (604), and a power supply (605), wherein the merchant card chip (601) is provided with a CPU and a memory, and The other components are connected, operate according to a predetermined program, and implement various predetermined functions, including reading the data input by the main card of the merchant card through the keyboard (602), displaying the prompt information through the display device (603), and transmitting through the communication interface (604). Receiving information, encrypting transaction data, storing transaction data, setting passwords, locking, unlocking, etc., and having a unique card number (606) in the merchant card chip (601), and the merchant card (6) The power source (605) is powered to operate, and the power source (605) may be a battery or a solar battery supplied by the POS machine (2).

among them,

The merchant card chip (601) is provided with a key table (8), and the key table (8) stores a plurality of one-time keys for encrypting and decrypting and verifying the identity of the merchant card (6) (801). And index number (802), each index number (802) corresponds to a one-time key (801).

as well as,

Each time the merchant card chip (601) encrypts the transaction data, an unused one-time key (801) is extracted from the key table (8) according to a predetermined program to encrypt the transaction data, and the merchant card Each time the chip (601) decrypts the transaction data, it will extract a transaction key from the key table (8) by extracting a one-time key (801) corresponding to the transaction data, and the merchant card chip (601). After encrypting or decrypting the transaction data, the one-time key (801) will be deleted or discarded or marked as used, so that the one-time key (801) will not be used again by the merchant card (6) use.

as well as,

The merchant card chip (601) has an open card password, and each time the merchant card (6) is inserted into the POS machine (2), the correct card opening password must be input through the keyboard (602), the merchant card (6) After checking that the card opening password is correct, the merchant card (6) can be inserted into the POS machine (2).

Referring to FIG. 7, FIG. 7 is a schematic explanatory diagram of steps of a first embodiment of a payment method with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following group A steps, in which the card owner uses the smart card (1). The steps for the store to make the payment, the specific steps are as follows:

A1. The card owner inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the display device (103) displays the prompt message, and the prompt card The master can start using the smart card (1) and guide the card master to input the payment amount and the account password; the master chip (101) in the smart card (1) extracts a one-time key from the card key table (7) ( 701) and the corresponding index number (702), encrypting the data package A into the data package B by the one-time key (701), and encrypting the primary chip (101) from the key table (7) Key (701) deleted; The content of the package A includes the card number (106), the payment amount, the account password and the like; the main chip (101) composes the data package card number (106) and the index number (702) into the data package C;

A2. The store cashier enters the payment amount on the P0S machine (2), then the card owner! Each smart card (1) is placed on the card reader of the P0S machine (2), and the smart card (1) transmits the data package C described in step A1 to the P0S machine (2) through the communication interface (104);

A3. The P0S machine (2) reads the data package C through the card reader, and transmits the P0S machine number (201), the payment amount, the data package C and the like to the merchant card in the P0S machine (2) (6) ) ;

The merchant card chip (601) in the merchant card (6) extracts a one-time key (801) and a corresponding index number (802) from the card key table (8), and the one-time key (801) The packet D is encrypted into a packet E, and the encrypted merchant card chip (601) deletes the one-time key (801) from the key table (8); the content of the packet D includes the merchant card number (606) ), P0S machine number (201), payment amount, information package C and other information;

The merchant card chip (601) in the merchant card (6) combines the data package E, the merchant card number (606), the index number (802) and the like into the data package F, and then the data package F is transmitted through the communication interface (104). Transfer to the P0S machine (2);

The P0S machine (2) transmits the data package F to the collection bank accounting system via the communication network (5); (3) The collection and collection system (3) finds the information package from the contents of the package F, Merchant card number (606), index number (802), from the merchant card number (606), find the merchant card account corresponding to the merchant card number (606)', the key table from the index number (802) in the merchant card account (8) The one-time key (801) corresponding to the index number (802) is extracted and the data packet is decrypted and restored to the data package D. After the decryption is successful, the data package E is the merchant corresponding to the merchant card number (606). Card (6) issued, decrypted card receiving bank accounting system (3) Delete the one-time key (801) from the key table (8); Receiving bank accounting system (3) from package D Find out the data package C, the merchant card number (606), the P0S machine number (201), the payment amount, etc., and check whether the P0S machine number (201) and the merchant card number (606) belong to the same merchant, and check that the two belong to the same After the merchant is correct, the data package (:, merchant card number (606), payment amount, etc. will be transmitted to the card issuing bank. The account accounting system (4) requests the transfer payment; A5. The card issuing bank account system (4) after receiving the data package (:, merchant card number (606), payment amount and other information, find the information from the material 'package C content Packet B, card number (106) and index number (702), the smart card account corresponding to the card number (106) is found from the card number (106), and the key number (7) of the smart card account is extracted from the index number (702). The one-time key (701) corresponding to the index number (702) decrypts the data package B and restores the data package A. After the decryption succeeds, the data package B is the wisdom corresponding to the card number (106). After the card (1) is issued, the decrypted card issuing bank accounting system (4) deletes the one-time key (701) from the key table (7);

The card issuing bank accounting system (4) finds the card number (106), payment amount, account password and other information from the package A, and checks the payment amount and the payment amount are the same, the card issuing bank accounting system (4) checks the account password and After the smart card account balance of the card number (106) is verified, the money of the payment amount is transferred from the smart card account of the card number (106) to the merchant card number (606) in the card collecting bank accounting system ( 3) merchant card account;

After the transfer is successful, the card issuing bank accounting system (4) extracts another one-time key (701) and a corresponding index number (702) from the key table (7) of the smart card account, with the one-time key (701) encrypting the packet 1 into the packet 2, and after the encryption, the card issuing bank accounting system (4) deletes the other one-time key (701) from the key table (7); the packet 1 The contents include card number (106), merchant card number (606), and the amount of the transferred payment;

The card issuing bank accounting system (4) composes the data packet 2, the card number (106), the index number (702) of the one-time key (701), the merchant card number (606), the transferred payment amount and the like into the data package 3;

Card issuing bank accounting system (4) Transfer the data package 3 to the collection and payment accounting system (3);

A6. After receiving the data package 3, the receiving bank account system (3) finds the data package 2, the card number (106), the index number (702), the merchant card number (606), the transferred payment amount, etc. from the package 3. Information, knowing that the transfer was successful, and storing the transaction details of the transfer payment;

The card receiving bank accounting system (3) extracts another one-time key (801) and a corresponding index number (802) from the key table (8) of the merchant card account of the merchant card number (606), The one-time key (801) encrypts the data package 3 into the data package 4, and the encrypted receiving bank accounting system (3) deletes the other one-time key (801) from the key table (8);

The card receiving bank account system (3) will make the data package 4, the merchant card number (606), the index number (802) and other data into a data package 5;

The receiving bank account management system (3) transmits the data package 5 to the P0S machine (2) through the communication network (5); A7. After receiving the data package 5, the P0S machine (2) transmits the data package 5 to the P0S machine ( 2) The merchant card (6); The merchant card chip (601) in the merchant card (6) finds the data package 4, the merchant card number (606), the index number (802), etc. from the data package 5, from the index number (802) extracting the one-time key (801) corresponding to the index number (802) in the key table (8) of the merchant card chip (601), decrypting the data packet 4 and restoring the data packet 3, and after decrypting successfully, indicating The data package 4 is issued by the card collecting bank accounting system (3), and the data package 2, the card number (106), the index number (702), the merchant card number (606) are found in the data package 3. The information such as the amount of the payment has been transferred, the merchant card chip (601) stores the data of the transaction in the memory in the merchant card chip (601), and the decrypted merchant card chip (601) from the key table (8) Delete the one-time key (801);

Merchant Card (6) Transfer the packet 3 to the P0S machine (2);

The P0S machine (2) transmits the data package 3 to the smart card (1) through the card reader, and displays the transferred payment amount to the cashier through the display device of the P0S machine (2), and prints the receipt to the card owner;

The main chip (101) in the smart card (1) finds the data packet 2, the card number (106), the index number (702), the merchant card number (606), the transferred payment amount, and the like from the data packet 3, from the index number (702). Extracting the one-time key corresponding to the index number (702) in the key table (7) of the master chip (101)

(701) Decrypting the data package 2 to the data package 1, and after decrypting successfully, indicating that the data package 2 is sent by the card issuing bank accounting system (4), the main chip (101) stores the data of the transaction in the main chip

In the memory in (101), the decrypted master chip (101) deletes the one-time key (701) from the key table (7);

The main chip (101) finds the card number (106), the merchant card number (606), the transferred payment amount and the like from the package 1, and displays the transferred payment amount to the card owner through the display device (103), and the main chip (101) The smart card (1) is automatically locked, and the locked smart card (1) can be used only after entering the correct card opening password.

In this embodiment, the card owner inputs the account password through the keyboard (102) on the smart card (1) before the card payment, and the smart card (1) further has the card opening password, so even if the smart card is stolen by the thief ( 1), the thief can not use the smart card (1), but also can not steal the card owner's money in the smart card account of the card issuing bank account system (4).

In the present specification, for the convenience of explanation, in the related encryption and decryption process, the description about the encryption/decryption algorithm is omitted, and in the present invention, the one-time key (701) or one-time key (801) is employed. When encrypting and decrypting, some existing encryption and decryption algorithms can be used to encrypt and decrypt data, such as Data Encryption Standard (DES), Triple Data Encryption Standard (Tri- DES), RSA, One Time Pad. The public key infrastructure (PKI), etc., can well achieve the object of the present invention. In addition, in the present specification, in the process of all related encryption and decryption, the description about generating the verification data is omitted, and the verification data is generated by the verification algorithm before encrypting the data, and then the data is generated. Encrypted together with the verification data, and after decryption, the verification data can be used to detect whether the data and the verification data have been tampered with. The verification algorithm for generating the verification data can adopt some existing algorithms for verifying the data. For example, a cyclic redundancy code (CRC) algorithm, a message-digest algorithm, a message authentication code algorithm, and a Secure Hash Standard algorithm. Not in the method steps of the various embodiments of the present specification There are steps for writing these encryption and decryption algorithms and verification data, and these related descriptions are omitted for convenience of explanation, so in the encryption and decryption steps in the method steps of the embodiments, even if the encryption and decryption algorithms are not written and The steps of verifying the data are actually steps including the steps of the encryption and decryption algorithm and the verification data.

Referring to FIG. 8, FIG. 8 is a schematic explanatory diagram of a second embodiment of a payment method for a smart card with a keyboard and a display smart card according to the present invention. The payment system with a keyboard and a display smart card further includes an ATM (9). ), the ATM machine (9) has a unique ATM number (901), and the ATM machine (9) has a merchant card (6) built in.

The system of the present invention can be applied to different applications such as ATM machine (9), online transfer, online shopping payment, mobile phone transfer, etc., in addition to applications for payment of payment by the store POS machine (2), and the following different implementations. The examples are described in detail separately.

Continuing to refer to FIG. 8, the method shown in the second embodiment includes the following group B steps, which are steps for the card owner to use the smart card (1) to perform withdrawal at the ATM (9). The specific steps are as follows:

B1. The card master inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1) and guide the card master to input the withdrawal amount and the account password; the master chip (101) in the smart card (1) extracts a one-time key from the card key table (7) ( 701) and the corresponding index number (702), encrypting the data package A into the data package B by the one-time key (701), and encrypting the primary chip (101) from the key table (7) The key (701) is deleted; the content of the data package A includes the card number (106), the withdrawal amount, the account password, and the like; the main chip (101) sets the data packet 8, the card number (106), and the index number θ2) Forming a package C;

B2. The card owner puts the smart card (1) on the card reader of the ATM machine (9), and the smart card (1) transmits the data package C described in step M to the ATM machine through the communication interface (104) (9) ) ;

B3. The ATM machine (9) reads the data package C through the card reader, and transmits the data package C together with the ATM machine number (901) to the merchant card (6) in the ATM machine (9);

The merchant card chip (601) in the merchant card (6) extracts a one-time key (801) and a corresponding index number (802) from the card key table (8), and the one-time key (801) The packet G is encrypted into a packet H, and the encrypted merchant card chip (601) deletes the one-time key (801) from the key table (8); the content of the packet G includes the merchant card number (606) ), ATM machine number (901), data package C and other information;

The merchant card chip (601) in the merchant card (6) combines the data package H, the merchant card number (606), and the index number (802) into the data package J, and then transmits the data package J to the data package J through the communication interface (104). ATM machine (9); ATM machine (9) transmits the data package J to the receiving bank accounting system through the communication network (5) (3); B4. Receiving Bank Accounting System (3) Find the package H, the merchant card number (606) and the index number (802) from the contents of the package J, and find the merchant corresponding to the merchant card number (606) from the merchant card number (606). Card account, extracting the one-time key (801) corresponding to the index number (802) from the key table (8) of the merchant card account from the index number (802), and decrypting the data package H to restore the data package G, After successful decryption, it indicates that the data package H is sent from the merchant card (6) corresponding to the merchant card number (606), and the decrypted card receiving bank accounting system (3) takes the one-time from the key table (8). The key (801) is deleted;

The card collection bank account system (3) finds the data package C, the merchant card number (606), the ATM machine number (901), the payment amount and the like from the package G, and checks the ATM machine number (901) and the merchant card number. (606) Whether it belongs to the card-receiving bank, and after verifying that both are the correcting bank, the data package (, merchant card number (606) and other materials are transmitted to the card-issuing bank accounting system (4) to request the transfer payment;

B5. Issuing bank account accounting system (4) After receiving the data package C, merchant card number (606) and other information, find the package B, card number (106) and index number (702) from the package C, and the card number (106) Finding the smart card account corresponding to the card number (106), extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702) B decrypts and restores the data package A. After successful decryption, it indicates that the data package B is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) from the key table (7) Delete the one-time key (701);

The card issuing bank accounting system (4) finds the card number (106), the withdrawal amount, the account password and the like from the package A, and checks the withdrawal amount, the account password and the smart card account balance of the card number (106), and the verification is correct. Transferring the withdrawal amount from the smart card account of the card number (106) to the merchant card number (606) in the merchant card account of the card collecting bank accounting system (3);

After the transfer is successful, the card issuing bank accounting system (4) extracts another one-time key (701) and a corresponding index number (702) from the key table (7) of the smart card account, with the one-time key (701) encrypting the packet 1 into the packet 2, and after the encryption, the card issuing bank accounting system (4) deletes the other one-time key (701) from the close table (7); The content includes the card number (106), the merchant card number (606), and the amount of the transferred withdrawal amount;

The card issuing bank accounting system (4) composes the data packet 2, the card number (106), the index number (702) of the one-time key (701), the merchant card number (606), the transferred withdrawal amount and the like into the data package 3;

Card issuing bank accounting system (4) Transfer the data package 3 to the card receiving bank accounting system (3);

B6. After receiving the data package 3, the receiving bank account management system (3) finds the data package 2, the card number (106), the index number (702), the merchant card number (606), the transferred withdrawal amount, etc. from the package 3. Information, knowing that the transfer was successful, Store the transaction details of the transfer payment;

The card receiving bank accounting system (3) extracts another one-time key (801) and a corresponding index number (802) from the key table (8) of the merchant card account of the merchant card number (606), The one-time key ( 801 ) encrypts the data package 3 into the data package 4, and the encrypted collection and payment accounting system (3) deletes the other one-time key (801) from the key table (8);

The receiving bank accounting system (3) transmits the packet 5 to the ATM (9) via the communication network (5); B7. After receiving the packet 5, the ATM (9) transmits the packet 5 to the ATM ( 9) The merchant card (6); The merchant card chip (601) in the merchant card (6) finds the data package 4, the merchant card number (606), the index number (802), etc. from the information package 5, from the index number (802) extracting the one-time key (801) corresponding to the index number (802) in the key table (8) of the merchant card chip (601), decrypting the data packet 4 and restoring the data packet 3, and after decrypting successfully, indicating The data package 4 is issued by the card collecting bank accounting system (3), and the data package 2, the card number (106), the index number (702), the merchant card number (606), and the transferred withdrawal amount are found in the data package 3. And the information, the merchant card chip (601) stores the transaction data in the memory in the merchant card chip (601), and the decrypted merchant card chip (601) removes the one-time key from the key table (8). (801) delete; - merchant card (6) transmits packet 3 to the ATM (9);

The ATM machine (9) transmits the packet 3 to the smart card (1) through the card reader, and displays the transferred withdrawal amount to the card owner through the display device of the ATM machine (9), and the ATM machine (9) spits out the withdrawal amount. Banknotes and printed receipts to the card owner;

The main chip (101) in the smart card (1) finds the data package 2, the card number (106), the index number (702), the merchant card number (606), the transferred withdrawal amount, and the like from the data package 3, from the index number (702). Extracting the one-time key corresponding to the index number (702) in the key table (7) of the master chip (101)

The main chip (101) finds the card number (106), the merchant card number (606), the transferred withdrawal amount and the like from the package 1, and displays the transferred withdrawal amount to the card owner through the display device (103), and the main chip (101) Automatically lock the smart card (1), and lock the smart card (1) to enter the correct one. The card password can only be used after it has been opened.

In this embodiment, before the ATM machine (9) withdraws money, the card owner inputs the withdrawal amount and the account password in advance on the smart card (1), and then the smart card (1) takes a card on the ATM machine (9) to transfer the withdrawal data to the ATM. The machine (9) can save the time for the card owner to input the password and the withdrawal amount on the ATM machine (9), which can reduce the operation time of the card owner on the ATM machine (9) and increase the efficiency of the ATM machine (9).

Referring to FIG. 9, FIG. 9 is a schematic explanatory diagram of steps of a third embodiment of a payment method for a smart card with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following group C steps, where the card owner uses the smart card (1). The steps to pay when shopping online, the specific steps are as follows:

C1. The card owner uses a computer terminal (12) that can be connected to the Internet to connect to the Internet and enters the shopping website (13). According to the guidance of the content of the shopping website (13), purchase the required items, and then purchase the website at the time of payment. (13) Display the payment amount and the bank account number of the shopping website;

The card master inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the display device (103) displays a prompt message, prompting the card owner to Start using the smart card (1), and guide the card master to enter the payment amount, account password, shopping website bank account number and other information;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and the one-time key (701) The packet K is encrypted into a packet L, and the encrypted main chip (101) deletes the one-time key (701) from the key table (7); the content of the packet K includes the card number (106), shopping Website bank account number, payment amount, account password, etc.; 'The main chip (101) composes the package L, the card number (106) and the index number (702) into a package M, and displays it through the display device (103) Look at the card owner;

C2. The card owner guides according to the content of the webpage of the shopping website (13), and inputs the content of the data package M displayed by the smart card (1) in step C1 through the computer terminal (12);

C3. The computer terminal (12) transmits the data package M input by the card owner to the shopping website through the internet (11) (13);

C4. Shopping website (13) The data package M, the shopping website bank account number and the payment amount are grouped into the data package N, and then the data package N is transmitted to the collection bank accounting system (3);

C5. Receiving bank account system (3) Find the data package M, the shopping website bank account number, the payment amount and other information from the package N, and find the package L, card number (106), index number from the package M ( 702) and other information; After receiving the account information system (3), the bank account number, the payment amount and the like are transmitted to the card issuing bank accounting system (4) of the card number (106) to request the transfer payment;

C6. The card issuing bank account system (4) after receiving the data package M, the shopping website bank account number, the payment amount and other information, find the data package L, the card number (106) and the index number (702) from the content of the data package M, The smart card account corresponding to the card number (106) is found from the card number (106), and the one-time key corresponding to the index number (702) is extracted from the key table (7) of the smart card account from the index number (702) (701) The data package L is decrypted and restored to the data package K. After the decryption is successful, the data package L is sent from the smart card (1) corresponding to the card number (106), and the card issuing bank accounting system (4) is decrypted. Delete the one-time key (701) in Table (7);

The card issuing bank account system (4) finds the card number (106), the shopping website bank account number, the payment amount, the account password and other information from the data package, and checks the payment amount and the payment amount are the same, the card issuing bank account system ( 4) Check the account password and the smart card account balance of the card number (106). After checking, the money of the payment amount is transferred from the smart card account of the card number (106) to the card collecting bank accounting system (3). The account of the shopping website bank account number;

C7. Issuing bank account accounting system after transfer (4) Notifying the card receiving bank account system (3) Transfer payment success; C8. Receiving bank account system (3) Notifying the shopping website (13) Transfer payment success;

C9.. The shopping website (13) transmits the transfer payment success information and the payment details to the computer terminal (12) through the internet (11), and arranges to deliver the items purchased by the card owner to the card owner. . In this embodiment, when the card owner pays, the smart card (1) inputs the payment amount, the account password, the shopping website bank account number and the like, and the smart card (1) encrypts the transaction data with the one-time key (701), and then Through the Internet (11) to the shopping website (13), even if the encrypted transaction data is intercepted by the hacker during the transmission process, since the one-time key (701) is used for encryption, each transaction data is different. The one-time key (701) is encrypted, and the hacker cannot crack the key with the encrypted transaction data, even if the hacker invades the Trojan to the card owner's computer terminal (12), because the account password is from the smart card (1) The keyboard (102) input is not input on the computer terminal (12), so the hacker uses the Trojan horse intrusion method, and can not steal the account password of the card owner.

Referring to FIG. 10, FIG. 10 is a schematic explanatory diagram of steps of a fourth embodiment of a payment method with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following group D steps, in which the card owner uses the smart card (1). The steps to transfer money online, the specific steps are as follows -

D1. The card master enters the card password (102) on the smart card (1), and the main chip in the smart card (1). (101) After verifying that the card opening password is correct, the prompting information is displayed by the display device (103), prompting the card owner to start using the smart card (1), and guiding the card master to input the transfer amount, the account password, the payee account number and the like;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet K is encrypted into a packet L, and the encrypted main chip (101) deletes the one-time key (701) from the key table (7); the content of the packet K includes the card number (106), and the payment is received. Person account number, transfer amount, account password and other information;

The main chip (101) composes the data package card number (106) and the index number (702) into a data package M, and displays it to the card owner through the display device (103);

D2. The card owner uses the Internet terminal (12) that can connect to the Internet to connect to the Internet, and logs in to the transfer page of the issuing bank's accounting system (4). According to the guidance of the content of the transfer page, the transfer amount is input through the Internet terminal (12). , the payee account number and the like, and the content of the data package M displayed by the smart card (1) in step D1;

D3. The Internet terminal (12) transmits the data package M input by the card owner to the card issuing bank accounting system (4) through the Internet (11);

D4. After issuing the data package M, the issuing bank account management system (4) finds the data package L, the card number (106) and the index number (702) from the data package M, and finds the corresponding card number (106) from the card number (106). The smart card account, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), decrypting the data package L and restoring the data package K, After successful decryption, it indicates that the data package L is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) removes the one-time key from the key table (7) ( 701) delete;

The card issuing bank accounting system (4) finds the card number (106), the payee account number, the transfer amount, the account password and the like from the data package, and checks the transfer amount, the account password and the smart card of the card number (106). The balance of the account and the amount of the transfer amount and the account number of the payee entered in step D2, and after checking the correct amount, transfer the money of the transfer amount from the smart card account of the card number (106) to the bank account of the card receivable. Within the bank account of the payee account number of the system (3);

D5. After the transfer, the bank account processing system (3) informs the issuing bank account system (4) that the transfer is successful; D6. The card issuing bank account system (4) The details of the transfer success information and transfer through the Internet (11) Transfer to the Internet terminal (12) to the card owner.

Referring to FIG. 11, FIG. 11 is a flowchart of a fifth embodiment of a payment method for a smart card with a keyboard and a display screen according to the present invention. Schematic diagram, the method shown in the figure includes the following E group steps, which are steps for the card owner to use the smart card (1) and the mobile phone for transfer, the specific steps are as follows -

E1. The card master inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1) and guide the card master to input the transfer amount, the account password, the payee account number and the like;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet encryption becomes the data package L, and the encrypted primary chip (101) deletes the one-time key (701) from the key table (7); the content of the data package includes the card number (106), and the payment is received. Person account number, transfer amount, account password and other information;

The main chip (101) composes the data package L, the card number (106) and the index number (702) into a data package, and displays it to the card owner through the display device (103);

Ε 2. The card owner enters the contents of the data package into the mobile phone, and then transmits the contents of the data package to the card issuing bank accounting system via the mobile phone and the mobile phone network (14) by SMS or MMS or USSD information (4);

Ε3. After issuing the data package, the card issuing bank account system (4) finds the package L, card number (106) and index number (702) from the data package, and finds the corresponding card number (106) from the card number (106). Smart card] 3⁄4 household, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), decrypting the data package L and restoring the data package Κ, after successful decryption, the packet L is sent from the smart card (1) corresponding to the card number (106), and the card issuing bank accounting system (4) decrypts the one-time secret from the key table (7). Key (701) delete;

The card issuing bank accounting system (4) finds the card number (106), the payee account number, the transfer amount, the account password and the like from the data package, and checks the transfer amount, the account password and the smart card of the card number (106). After the account balance, the payee account number, etc., after checking, the bank transfer money from the smart card account of the card number (106) to the bank of the payee account number of the card receiving bank account system (3) Within the account;

Ε4. Receiving the bank account system after transfer (3) Notifying the issuing bank account system (4) The transfer is successful;

Ε5. The issuing bank account system (4) transmits the transfer success information and the transfer details to the card owner via SMS or MMS or USSD information via the mobile phone network (14).

In the fourth and fifth embodiments, different methods are used for the transfer, in which the transfer information is input in advance on the smart card (1), and then the transfer data is encrypted by the smart card (1) with the one-time key (701), and then By different The route is transmitted to the card issuing bank accounting system (4), including transmission via the Internet (11), SMS, MMS, USSD information, etc. Since the transfer information has been encrypted, the card owner's account password will not be revealed in the transmission path. Therefore, the security requirements for the transmission route are not high, and the transfer payment method of the present invention is more secure and reliable than the current general online banking technology.

Referring to FIG. 12, FIG. 12 is a schematic explanatory diagram of steps of a sixth embodiment of a payment method for a smart card with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following group F steps, which is a card master using a smart card (1) and The steps for transferring money by mobile phone are as follows:

F1. The card master enters the card-opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card-opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1) and guide the card master to input the transfer amount, the account password, the payee's mobile phone number, and the receipt password;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet 0 is encrypted into a packet P, and after being encrypted, the main chip (101) deletes the one-time key (701) from the key table (7); the content of the packet 0 includes the card number (106), and the payment is received. Personal mobile phone number, receiving payment password, transfer amount, account password and other information;

The main chip (101)' composes the data P, the card number (106) and the index number (702) into a data package Q, and displays it to the card owner through the display device (103);

F2. The card owner inputs the content of the package Q into the mobile phone, and then transmits the data package Q to the card issuing bank accounting system via the mobile phone and the mobile phone network (14) by SMS or MMS or USSD information (4);

F3. The card issuing bank accounting system (4) after receiving the data package Q, find the data package P, the card number (106) and the index number (702) from the data package Q, and find the corresponding card number (106) from the card number (106). The smart card account, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), and decrypting the data package P to restore the data package 0, After successful decryption, the data packet P is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) removes the one-time key from the key table (7) ( 701) delete;

The card issuing bank accounting system (4) finds the card number (106), the payee's mobile phone number, the receiving money password, the transfer amount, the account password and the like from the package 0, and checks the transfer amount, the account password and the card number. (106) The balance of the smart card account and other information. After checking the correct amount, temporarily withdraw the money of the transfer amount from the smart card account of the card number (106), and wait for the payee to withdraw the money by receiving the payment password within the specified time. For example within 5 minutes; The card issuing bank accounting system (4) sends a text message or a multimedia message or USSD information to the card owner mobile phone through the mobile phone network (14), notifying the card owner that the money transfer payment has been prepared, and the payee can receive the payment password within a specified time. Withdrawal of the money;

F4. The payee transmits the transfer payment information to the issuing bank account payment system (4) by SMS or MMS or USSD information through the mobile phone network (14) within the specified time by the payee's mobile phone, the receiving The transfer payment information includes the payee account number and the receipt password of the payee in the card collecting bank accounting system (3);

F5. Issuing bank account accounting system (4) After receiving the payment and receiving payment information, the recipient's mobile phone number is found from the source phone number of the receiving transfer payment information, and the payee's mobile phone number is in the issuing bank accounting system (4) Find the record of the money for the temporary freeze transfer transfer amount described in step F3, find the payee account number and the receive payment password from the receiving transfer payment information content, and check the received payment password and the temporary After the receipt password in the record of the money for freezing the transfer amount is the same, the card issuing bank accounting system (4) transfers the money of the temporarily frozen transfer amount to the payee account in the receiving bank account system (3). Number account

F6. After the transfer, the bank account processing system (3) informs the issuing bank account system (4) that the transfer is successful; F7. The issuing bank account system (4) sends text messages or MMS or USSD information through the mobile phone network (14) To the payee's mobile phone, notify the payee that the transfer money and the transfer amount have been successfully received;

F8. The card issuing bank accounting system (4) informs the card master payee that the transfer money and the transfer amount have been successfully received by sending a text message or MMS message or USSD information to the card master mobile phone through the mobile phone network (14). In this embodiment, as long as the card owner knows the payee's mobile phone number, the transfer can be performed, and the card owner does not need to disclose his account number to the payee, and the payee can also transfer the money according to his own needs. The money is collected into the bank account of the company, and the bank account number of both parties will not be revealed during the whole process, which can protect the privacy of both parties.

Referring to FIG. 13, FIG. 13 is a schematic explanatory diagram of steps of a seventh embodiment of a payment method for a smart card with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following G group steps, wherein the card owner uses the smart card (1) and The mobile phone performs the steps of remote ATM withdrawal. The specific steps are as follows:

G1. The card master enters the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), the prompt card The master can start using the smart card (1) and guide the card master to input the withdrawal amount, the account password, the receipt password and the like;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data Packet R encryption becomes a packet S, after the encryption, the main chip (101) deletes the one-time key (701) from the key table (7); the content of the data package R includes the card number (106), the receipt password, the withdrawal amount, and the account. Password and other information;

The main chip (101) composes the data package ≤, the card number (106) and the index number (702) into a data package T, and displays it to the card owner through the display device (103);

G2. The card owner inputs the contents of the data package into the mobile phone, and then transmits the contents of the data package to the card issuing bank accounting system via the mobile phone and the mobile phone network (14) by SMS or MMS or USSD information (4);

G3. Card issuing bank accounting system (4) After receiving the information of the contents of the data package, the information package S, the card number (106) and the index number (702) are found from the information content, and the corresponding card number is found from the card number (106). (106) The smart card account, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), decrypting the data package S to restore the data Packet R, after successful decryption, indicates that the data package S is sent from the smart card (1) corresponding to the card number (106), and the card issuing bank accounting system (4) decrypts the one-time from the key table (7). The key (701) is deleted; the card issuing bank accounting system (4) finds the card number (106), the receiving money password, the withdrawal amount, the account password and the like from the data package R, and checks the withdrawal amount, the account password and the card number. (106) The balance of the smart card account and other information. After checking the correct amount, temporarily withdraw the money of the withdrawal amount from the smart card account of the card number (106), and wait for the payee to withdraw the money by receiving the payment password within the specified time. For example, within 5 minutes, if the payee fails to withdraw the payment after the specified time has elapsed, the issuing bank account payment system (4) will unfreeze the payment and return it to the smart card account; the issuing bank account system (4) Sending a text message or MMS message or USSD information to the card owner's mobile phone through the mobile phone network (14), notifying the card owner that the withdrawal amount has been prepared, and the payee can go to the ATM machine within the specified time (9) to extract the money by receiving the payment password. Payment

G4. Before the ATM arrives at the ATM (9) within the specified time, enter the card number (106) of the card master, the withdrawal amount, and the receipt password at the ATM (9);

G5. The ATM machine (9) transmits the card number (106), the ATM machine number (901), the withdrawal amount, the receipt money password and the like to the merchant card (6) in the ATM machine (9);

The merchant card chip (601) in the merchant card (6) extracts a one-time key (801) and a corresponding index number (802) from the card key table (8), and the one-time key (801) The data package U is encrypted into a data package V. After the encryption, the merchant card chip (601) deletes the one-time key (801) from the key table (8); the content of the data package U includes the card number (106). ), withdrawal amount, receipt password, merchant card number (606), ATM number (901), etc.; The merchant card chip (601) in the merchant card (6) combines the data package V, the merchant card number (606), and the index number (802) into a data package W, and then transmits the data package W to the ATM machine through the communication interface (104) ( 9); The ATM machine (9) transmits the data package W to the receiving bank accounting system via the communication network (5); (3) The receiving bank accounting system (3) finds the data package V from the data package W. , merchant card number (606) and index number (802), find the merchant card account corresponding to the merchant card number (606) from the merchant card number (606), from the index number (802) in the merchant card account key table (8) The one-time key (801) corresponding to the index number (802) is extracted and the data package V is decrypted and restored to the data package U. After the decryption is successful, the data package V is the merchant card corresponding to the merchant card number (606). (6) issued, decrypted card receiving bank accounting system (3) delete the one-time key (801) from the key table (8);

The card receiving fee accounting system (3) finds the card number (106), the withdrawal amount, the receiving payment password, the merchant card number (606), the ATM machine number (901) and the like from the data package U, and checks the ATM machine number. (901) and the merchant card number (606) belong to the card-receiving bank. After checking that both cards are correct, the card number (106), the withdrawal amount, the receiving money password, the merchant card number (606), etc. are transmitted to Card issuing bank accounting system (4) requesting transfer payment;

G7. Card issuing bank accounting system (4) After receiving the card number (106), withdrawal amount, receiving payment password, merchant card number (606), etc., the card number (106) is found in the card issuing bank accounting system (4). The record of the money for temporarily suspending the withdrawal amount described in step G3, checking whether the receipt password is the same as the receipt password in the record of the temporary frozen withdrawal amount, and checking the withdrawal amount and the temporary Whether the withdrawal amount in the record of the money for freezing the withdrawal amount is the same, and after verifying that the two are the same, the card issuing bank accounting system (4) transfers the money of the temporarily frozen withdrawal amount to the merchant card number.

(606) in the merchant card account of the card collecting bank accounting system (3), and notify the card collecting bank accounting system

(3) Successful transfer;

G8. Receiving bank account system (3) After receiving the transfer success notification, the card collection and accounting system (3) extracts another key table (8) from the merchant card account of the merchant card number (606) A one-time key (801) and a corresponding index number (802), the data packet 6 is encrypted into a data packet 7 by the one-time key (801), and the credit card receiving system (3) is obtained from the key after encryption. The other one-time key (801) is deleted in the table (8), and the content of the data package 6 includes the card number (106), the withdrawal amount, the merchant card number '(606), the ATM machine number (901), and the like. Information

The card collecting bank accounting system (3) comprises a data package 7, a merchant card number (606), an index number (802), etc., into a data package 8;

The receiving bank accounting system (3) transmits the data package 8 to the ATM machine through the communication network (5) (9); G9. After receiving the data package 8, the ATM machine (9) transmits the data package 8 to the merchant card (6) in the ATM machine (9); the merchant card chip (601) in the merchant card (6) from the data package 8 Find the data package 7, the merchant card number (606), the index number (802), etc., and extract the index number (802) from the index table (802) in the key table (8) of the merchant card chip (601). The one-time key (801) decrypts the data package 7 and restores the data package 6. After the decryption is successful, it indicates that the data package 7 is sent by the card collecting bank accounting system (3), and the card number is found from the data package 6 ( 106), withdrawal amount, merchant card number (606), ATM machine number (901), etc., the merchant card chip (601) stores the data of the withdrawal operation in the memory in the merchant card chip (601), and decrypts The post merchant chip (601) deletes the one-time key (801) from the key table (8);

Merchant Card (6) transmits the packet 6 to the ATM (9) _;

After receiving the data packet 6, the ATM machine (9) displays the withdrawal success information and the withdrawal amount to the payee through the display device of the ATM machine (9), and the ATM machine (9) spits out the withdrawal amount of the banknote and prints. Receipt to the payee;

G10. The issuing bank account payment system (4) sends a text message or MMS message or USSD information to the card owner mobile phone through the mobile phone network (14), and the card main payer has notified the ATM machine (9) to withdraw the payment within a specified time. In this embodiment, the card owner can ask others to withdraw money to the ATM machine (9) without revealing the card account password of the card owner.

The system and payment transfer method of the present invention have been described in detail in the above embodiments. Since the smart card (1) of the present invention is provided with a keyboard (102), transaction data such as account passwords are input in advance on the smart card (1). This is equivalent to moving the keyboard on the trading terminal such as the P0S machine (2), the ATM machine (9), and the Internet terminal (12) to the smart card (1), which is a smart card system for privatizing the keyboard, due to the input account. The separation of the password keyboard and the transaction terminal ensures that the security of the account password is fully guaranteed. In the future, the P0S machine (2) and the ATM machine (9) may not even need to set a password keyboard, and all operations on the password keyboard may be performed by The keyboard (102) on the smart card (1) is performed.

A further improvement of the present invention is to increase the small amount payment function. When the small amount is paid, the money is directly debited from the smart card (1) to the merchant card (6) in the POS machine (2), and the payment of the above embodiments. Compared with the method, the P0S machine (2) does not need to be connected to the card collecting bank accounting system (3) when the small amount is paid, which can save communication costs and speed up the entire payment process. The further improvement is achieved by adding a plurality of storage areas for storing small amount payment records in the smart card (1) and the merchant card (6), including multiple storages in the main chip (101) of the smart card (1). District, including small deposit area, small expenditure area, recharge record area, balance record area, other use area,

among them, The small deposit area is mainly used to store small deposit records;

Small expenditures are mainly used to store small expenditure records;

The recharge recording area is mainly used for storing the recharge record;

The balance record area is mainly used to store balance records;

Other use areas for other purposes;

as well as,

The main chip (101) stores a predetermined encryption algorithm A and a predetermined encryption algorithm B, and uses a predetermined encryption algorithm A and a predetermined encryption algorithm B to store a small deposit area, a small expenditure area, a recharge recording area, a balance recording area, and the like. The content inside is protected by encryption and decryption;

as well as,

A small amount of payment is stored in the main chip (101), and the amount of deposit or expenditure in each record written in the small deposit area or the small expenditure area cannot exceed the stated minimum payment amount. .

In the merchant card (6), the merchant card chip (601) of the merchant card (6) has a plurality of storage areas, including a collection record area, an expense record area, a recharge record area, a balance record area, and other use areas.

among them,

The collection record area is mainly used to store small deposit records;

The expenditure record area is mainly used to store small expenditure records;

The recharge recording area is mainly used for storing the recharge value;

The balance record area is mainly used to store balance records;

Other use areas for other purposes;

as well as,

The merchant card chip (601) stores a predetermined encryption algorithm A and a predetermined encryption algorithm. The predetermined encryption algorithm A and the predetermined encryption algorithm B are used in the storage area such as the payment record area, the expenditure record area, the recharge record area, and the balance record area. Content protection measures such as encryption and decryption;

as well as,

The merchant card chip (601) stores a transaction upper limit amount, and the amount of deposit or expenditure in each record written in the receipt record area or the expense record area cannot exceed the transaction limit amount.

In addition, a small-value transaction payment method with a keyboard and a display smart card is adopted, characterized in that the method includes storing, by the POS machine (2), the balance record area stored in the smart card (1) during payment. The balance of the balance transfer is equal to the balance of the payment amount to the balance amount stored in the balance record area of the merchant card (6), and, when searching or recharging, from the merchant card (6) through the POS machine (2) Balances stored in the balance record area The balance of the amount transferred and the amount paid is the balance of the balance stored in the balance record area of the smart card (1). Referring to FIG. 14, FIG. 14 is a schematic explanatory diagram of steps of an eighth embodiment of a payment method for a smart card with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following group H steps, where the card owner uses the smart card (1). The steps for the store to make a small amount of payment, the specific steps are as follows:

HI. The card owner inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1);

H2. The store cashier enters the payment amount on the P0S machine (2), and then the card owner puts the smart card (1) on the card reader of the P0S machine (2), and the P0S machine (2) reads the smart card (1). After the card number (106) is successful, the P0S machine (2) transmits the card number (106), the P0S machine number (201), the payment amount and the like to the merchant card (6) in the POS machine (2), and the merchant card (6) The merchant card chip (601) encrypts the payment data such as the card number (106), the merchant card number (606), the P0S machine number (201), and the payment amount by a predetermined encryption algorithm B, and then transmits the payment data back to the POS machine (2), by the POS. (2) transmitting the encrypted payment data to the smart card (1) through the card reader;

H3. The smart card (1) receives the encrypted payment data through the communication interface (104), and decrypts the encrypted payment data by the predetermined encryption algorithm B to restore the card number (106), the merchant card number (606), and the P0S machine number (201). After the payment card amount (106) and the payment amount are less than the small payment limit amount, the main chip (101) in the smart card (1) reads the latest balance record from the balance record area, and Check that the balance amount in the balance record is not less than the payment amount. After checking, the balance amount is subtracted from the payment amount to calculate the new balance amount, and then the new balance amount is written into the balance record area and the card number (106) ), the merchant card number (606), the P0S machine number (201), the payment amount, etc. are written into the small expenditure area, and the card number (106), the merchant card number (606), and the P0S machine number are determined by a predetermined encryption algorithm A ( 201), the payment amount and other small transaction data are encrypted, transmitted to the P0S machine (2) through the communication interface (104), and the payment amount and the latest balance are displayed to the card owner through the display device (103). And, the main chip (101) Auto smart card (1) is locked, you can use the smart card (1) after the lock to enter the correct password to open the card;

H4. The POS machine (2) reads the encrypted small transaction data through the card reader, and transmits the encrypted small transaction data to the merchant card (6) in the P0S 1⁄4 (2), the merchant card (6) The master chip (101) decrypts the encrypted small transaction data with a predetermined encryption algorithm A, and restores the card number (106), merchant card number (606), P0S machine number (201), payment amount, etc. after successful decryption. For the transaction data, after checking the information, write the card number (106), merchant card number (606), P0S machine number (201), payment amount, etc. In the receipt and payment record area, and read the latest balance record from the balance record area, calculate the new balance amount by adding the balance amount in the balance record plus the payment amount, and then write the new balance amount. Into the balance record area, and, the merchant card (6) issues a payment success message to the POS machine (2);

H5. After the payment success message is received, the P0S machine (2) prints the receipt to the card owner immediately, and the micropayment operation is completed. Referring to FIG. 15, FIG. 15 is a schematic explanatory diagram of steps of a ninth embodiment of a payment method for a smart card with a keyboard and a display smart card according to the present invention. The method shown in the figure includes the following J group steps, which is a card owner using cash payment, a merchant. The steps to deposit the change into the card's smart card (1), the specific steps are as follows -

J1. The card master inputs the card opening password on the keyboard (102) on the smart card (1), and the main chip (101) in the smart card (1) checks the card opening password, and displays the prompt message through the display device (103), the prompt card The master can start using the smart card (1);

J2. After the card owner pays the cash, the store cashier enters the payment amount and the cash amount on the P0S machine (2), the P0S machine (2) calculates the renewal amount, and then the card owner puts the smart card (1) P0S machine (2) card reader on the card, P0S machine (2) After reading the card number (106) of the smart card (1), the P0S machine (2) transmits the card number (106) and the renewal amount to the P0S machine. (2) Merchant card (6), merchant card (6) After checking that the renewal amount is less than the small payment limit amount, the merchant card chip (601) in the merchant card (6) reads the latest from the balance record area. A balance record, and check that the balance amount in the balance record is not less than the renewal amount. After checking, the balance amount is subtracted from the renewal amount to calculate the new balance amount, and then the new balance amount is written into In the balance record area, the card number (106), the merchant card number (606), the P0S machine number (201), the renewal amount, and the like are written into the expenditure record area, and the card number (106) and the merchant are determined by a predetermined encryption algorithm B. Small number of renewal information such as card number (606), P0S machine number (201), and renewal amount Dense, transmitted through the communication interface (604) to P0S machine (2);

J3. P0S machine (2) transmits the encrypted small amount of renewal data described by the card reader to the smart card (1), and the main chip (101) in the smart card (1) will encrypt the small amount with a predetermined encryption algorithm B. Find the decryption data. After the decryption is successful, restore the card number (106), merchant card number (606), P0S machine number (201), and find the renewal amount and other small amount of renewal information. After checking the data, the card number (106) and the merchant card number are verified. (606), P0S machine number (201), the renewal amount is written into the small deposit area, and the latest balance record is read from the balance record area, and the balance amount in the balance record is added. Find the new balance amount by looking for the renewal amount, then write the new balance amount into the balance record area, and display the renewal amount and the latest balance through the display device (103), and send the search success to the POS machine (2). Information

J4. P0S machine (2) After receiving the success information, the receipt will be printed to the card owner immediately, and the small amount of renewal operation is completed. Referring to FIG. 16, FIG. 16 is a flowchart of a tenth embodiment of a payment method for a smart card with a keyboard and a display screen according to the present invention. Schematic diagram, the method shown in the figure includes the following k-group step, which is a step for the card owner to use the cash payment to recharge the smart card (1) at the merchant. The specific steps are as follows:

K1. The card master inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1);

Κ2. The card owner will hand over the refilled cash to the merchant's cashier. After the store cashier picks up the cash, he enters the recharge amount on the P0S machine (2), and then the card owner puts the smart card (1) into the P0S machine (2). ) The card is picked up by the card reader. After the P0S machine (2) reads the card number (106) of the smart card (1) successfully, the P0S machine (2) transmits the card number (106) and the recharge amount to the P0S machine (2). Merchant Card (6), Merchant Card (6) After checking that the recharge amount is less than the small payment limit amount, the merchant card chip (601) in the merchant card (6) reads the latest balance record from the balance record area. And verify that the balance amount in the balance record is not less than the recharge amount. After checking, the balance amount is subtracted from the recharge amount to calculate the new balance amount, and then the new balance amount is written into the balance record area and will be Card number (106), merchant card number (606), P0S machine number (201), recharge amount and other information are written in the expenditure record area, and the card number (106), merchant card number (606), P0S machine are determined by a predetermined encryption algorithm. No. (201), recharge amount and other recharge data encryption, pass Communication interface (604) to the P0S machine (2);

Κ3. The P0S machine (2) transmits the encrypted recharge data described by the card reader to the smart card (1), and the main chip (101) in the smart card (1) decrypts the encrypted recharge data by a predetermined encryption algorithm, and decrypts After successful, the card number (106), merchant card number (606), P0S machine number (201), recharge amount and other recharge data will be restored. After checking the data, the card number (106), merchant card number (606), P0S machine number (201) will be verified. The recharge amount is written into the recharge record area, and the latest balance record is read from the balance record area, the balance amount in the balance record is added to the recharge amount to calculate the new balance amount, and then the new balance is The balance amount is written into the balance record area, and the recharge amount and the latest balance are displayed by the display device (103): and the refilling success information is sent to the P0S machine 2);

4. P0S machine (2) After receiving the refill success message, immediately print the receipt to the card owner, and the recharge operation is completed. The payment system and payment transfer method with keyboard and display smart card of the invention adopts a one-time key which is considered to be unbreakable in modern cryptography, is safe and reliable, and has low cost, and its implementation will bring about a good society. Benefits and economic benefits are beneficial to both banks and customers.

Claims

Rights request

A payment system with a keyboard and a display smart card, characterized in that the system comprises a smart card

(1), P0S machine (2), card receiving bank accounting system (3), card issuing bank accounting system (4), communication network (5), merchant card (6), among them, collecting card accounting system (3) telecommunications connection with the issuing bank accounting system (4), and telecommunications connection with the P0S machine (2) installed in each merchant through the communication network (5), and

The P0S machine (2) is mainly used for transmitting transaction data to the receiving bank accounting system (3) through the communication network (5) for processing. Each POS machine (2) has a unique POS number (201). ;

The card collection bank account system (3) is mainly used to process transaction data. According to the content of the transaction data, the bank account operation system (4) performs corresponding bank account operations such as transfer and payment for the designated smart card account; The accounting system (4) is mainly used for performing bank transfer operations such as transfer and payment for the designated smart card account according to the information sent by the card receiving bank accounting system (3);

as well as,

In the smart card (1) and the issuing bank account system (4), respectively, an identical key table (7) is provided, and the key table (7) stores a plurality of one-time keys (701); When transferring money, the card owner is in advance on the smart card

(1) Enter the account password, amount, etc., and the smart card (1) extracts an unused one-time key (701) from the card key table (7) to encrypt the data, and then the smart card (1) will be encrypted. Data through the P0S machine

(2) and the card receiving bank accounting system (3) is transmitted to the card issuing bank accounting system (4), and the issuing bank accounting system (4) uses the one-time key (701) corresponding to the encrypted data to The encrypted data is decrypted. After the decryption is successful, the card issuing bank accounting system (4) performs the corresponding bank account operations such as payment and transfer according to the data content.

2. The payment system with a keyboard and a display smart card according to claim 1, wherein the smart card (1) main structure comprises a main chip (101), a keyboard (102), a display device (103), Communication Interface (104), a power supply (105), wherein the main chip (101) is provided with a CPU and a memory, and is connected to other components, and operates according to a predetermined program to implement various predetermined functions, including reading through the keyboard (102) Card input data, display prompt information through display device (103), send and receive information through communication interface (104), encrypt transaction data, store transaction data, set password, lock, unlock, etc., and The chip (101) has a unique card number (106), and the smart card (1) is powered by the power supply

(105) Power supply operation, the power source (105) may be a battery or a solar battery.

3. The payment system with a keyboard and a display smart card according to claim 2, wherein the main chip (101) is provided with a key table (7), which is stored in the key table (7). There are a number of one-time keys (701) and index numbers (702) for encrypting and decrypting and verifying the smart card (1) identity, and each index number (702) corresponds to a one-time key (701).

4. The payment system with a keyboard and a display smart card according to claim 3, wherein the main chip (101) encrypts the transaction data each time according to a predetermined program from the key table (7). Extracting an unused one-time key (701) to encrypt the transaction data, and each time the main chip (101) decrypts the transaction data, it will extract a corresponding one from the key table (7) according to a predetermined procedure. The one-time key (701) of the transaction data decrypts the transaction data, and after the main chip (101) encrypts or decrypts the transaction data, the one-time key (701) is deleted or discarded or marked as used. , so that the one-time key (701) will not be used again by the smart card (υ).

5. The payment system with a keyboard and a display smart card according to claim 2, wherein the main chip (101) further has an open card password, and each time the smart card (1) is used, the card user The correct card-opening password must be entered via the keypad (102) in order to use the smart card (1) for each operation.

6. The payment system with a keyboard and a display smart card according to claim 2, wherein said communication interface (104) can be a wireless communication device, or a wired communication device, or a Bluetooth device, or an infrared device. .

The payment system with a keyboard and a display smart card according to claim 2, wherein the main chip (101) is provided with a plurality of storage areas, including a small deposit area and a small expenditure area. , recharge record area, balance record area, other use area,

The small expenditure area is mainly used to store small expenditure records;

The recharge recording area is mainly used for storing the recharge record;

The balance record area is mainly used to store balance records;

Other use areas for other purposes;

as well as,

A small amount of the upper limit amount is stored in the main chip (101), and the amount of deposit or expenditure in each record written in the small deposit area or the small expenditure area cannot exceed the amount of the small payment limit. .

8. The payment system with a keyboard and a display smart card according to claim 1, wherein the main structure of the merchant card (6) comprises a merchant card chip (601), a keyboard (602), and a display device ( 603), a communication interface (604), a power supply (605), wherein the merchant card chip (601) is provided with a CPU and a memory, and is connected to other components, and operates according to a predetermined program to implement various predetermined functions, including The keyboard (602) reads the data input by the merchant card main, displays the prompt information through the display device (603), sends and receives information through the communication interface (604), encrypts the transaction data, stores the transaction data, sets the password, and locks, The unlocking function, and the merchant card chip (601) have a unique card number (606), and the merchant card (6) is powered by the power source (605), and the power source (605) can be The battery or solar cell is powered by the POS (2).

9. The payment system with a keyboard and a display smart card according to claim 8, wherein the merchant card chip (601) is provided with a key table (8) in the key table (8). A plurality of one-time keys (801) and index numbers (802) for encrypting and decrypting and verifying the identity of the merchant card (6) are stored, and each index number (802) corresponds to a one-time key (801).

10. The payment system with a keyboard and a display smart card according to claim 9, wherein the merchant card chip (601), each time the transaction data is encrypted, is from the key table according to a predetermined program. Extracting an unused one-time key (801) to encrypt the transaction data, and the merchant card chip (601) will send the transaction each time When the material is decrypted, a one-time key (801) corresponding to the transaction data is extracted from the key table (8) according to a predetermined program to decrypt the transaction data, and the merchant card chip (601) encrypts or decrypts the transaction data. , the one-time key (801) will be deleted or discarded or marked as used, so that the one-time key (801) will not be used again by the merchant card (6).

11. The payment system with a keyboard and a display smart card according to claim 8, wherein the merchant card chip (601) is provided with a card opening password, and each time the merchant card (6) is inserted into the POS machine ( 2) Before use, you must enter the correct card-opening password through the keyboard (602). After the merchant card (6) checks that the card-opening password is correct, you can insert the merchant card '(6) into the P0S machine (2).

12. The payment system with a keyboard and a display smart card according to claim 8, wherein the merchant card chip (601) is provided with a plurality of storage areas, including a collection record area, an expenditure record area, Recharge record area,

• Balance recording area, other use areas, '

among them,

The collection record area is mainly used to store small deposit records;

The expenditure record area is mainly used to store small expenditure records;

The recharge recording area is mainly used for storing the recharge record;

The balance record area is mainly used to store balance records;

Other use areas for other purposes;

as well as,

The merchant card chip (601) stores a predetermined encryption algorithm A and a predetermined encryption algorithm B, and the predetermined encryption algorithm A and the predetermined encryption algorithm B are used in the storage area such as the receipt recording area, the expenditure recording area, the recharge recording area, and the balance recording area. The content is protected by encryption and decryption;

as well as,

13. The payment system with a keyboard and a display smart card according to claim 1 or 2 or 3, wherein the card issuing bank accounting system (4) is provided with a plurality of smart card accounts, each smart card account Corresponding to a smart card (1), the smart card account stores the card number (106) of the smart card (1) corresponding to the account and an account password, and each smart card account is provided with a key table (7) and a key table ( 7) and the content The contents of the key table (7) in the smart card (1) corresponding to the smart card account are identical, and a plurality of one-time keys (701) and index numbers (702) for verifying the identity of the smart card (1) are also stored.

14. The payment system with a keyboard and a display smart card according to claim 1 or 8 or 9, wherein the card collecting bank accounting system (3) is provided with a plurality of merchant card accounts, each of which The merchant card account corresponds to a merchant card (6), and each merchant card account has a key table (8), and stores the merchant card number (606) of the merchant card (6) corresponding to the merchant card account, and the secret The content of the key table (8) is exactly the same as the key table (8) in the merchant card (6) corresponding to the merchant card account, and a plurality of the same are stored for verifying the merchant card.

(6) One-time key (801) and index number (802) for identity.

15. The payment system with a keyboard and a display smart card according to claim 13, wherein the card issuing bank accounting system (4) encrypts the transaction data each time according to a predetermined program from the key table. (7) Extracting an unused one-time key (701) to encrypt the transaction data, and the card issuing bank accounting system (4) will decrypt the transaction data each time according to a predetermined procedure from the key table (7) Extracting a one-time key (701) corresponding to the transaction data to decrypt the transaction data, and, after the card issuing bank accounting system (4) encrypts or decrypts the data, the one-time key (701) is deleted. Or discard or mark as used, so that the one-time key (701) will not be used again by the card issuing bank accounting system (4).

16. The payment system with a keyboard and a display smart card according to claim 14, wherein the card collecting bank accounting system (3) encrypts the transaction data each time according to a predetermined program. In Table (8), an unused one-time key (801) is extracted to encrypt the transaction data, and the receiving bank accounting system (3) decrypts the transaction data each time according to a predetermined procedure from the key table ( 8) Extracting a one-time key (801) corresponding to the transaction data to decrypt the transaction data, and, after the card collection and payment system (3) encrypts or decrypts the data, the one-time key will be 801) Delete or discard or mark as used so that the one-time key (801) will not be used again by the receiving bank accounting system (3).

17. The payment system with a keyboard and a display smart card according to claim 1, wherein the system further comprises an ATM machine (9), and the ATM machine (9) is provided with a unique ATM machine number. (901), and, the ATM (9) has a merchant card (6) built in.

A payment transfer method with a keyboard and a display smart card, the payment system with a keyboard and a display smart card according to any one of claims 1 to 17, wherein the method comprises a card owner In advance, the transaction data such as the account password and the payment amount are input on the keyboard (102) of the smart card (1), and the smart card (1) extracts an unused one-time key (701) from the in-card key table (7) to be traded. The data is encrypted, and then the smart card (1) transmits the encrypted transaction data to the card issuing bank accounting system (4), and the issuing card accounting system (4) adopts the one-time key (701) corresponding to the encrypted transaction data. The encrypted transaction data is decrypted. After the decryption is successful, the issuing bank accounting system (4) performs the corresponding bank account operations such as payment and transfer according to the transaction data content.

19. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following group A step, wherein the card owner uses the smart card (the step when the payment is made in the store, specifically The steps are as follows:

A1. The card owner inputs the card opening password on the keyboard (102) on the smart card (1), and the main chip (101) in the smart card (1) checks the card opening password is correct, and then displays the prompt message through the display device (103), the prompt card The master can start using the smart card α) and guide the card master to input the payment amount and the account password; the master chip (101) in the smart card (1) extracts a one-time key from the card key table (7) (701) And the corresponding index number (702), the data packet is encrypted into the data package B by the one-time key (701), and the primary chip (101) encrypts the one-time key from the key table (7). (701) deleting; the content of the data package A includes card number (106), payment amount, account password and the like; the main chip (101) composes the data package card number (106) and the index number (702) Information package C;

A2. The store cashier enters the payment amount on the P0S machine (2), and then the card owner puts the smart card (1) on the card reader of the P0S machine (2), and the smart card (1) passes the communication interface (104). The packet C described in step A1 is transmitted to the POS machine (2);

The merchant card chip (601) in the merchant card (6) extracts a one-time key (801) and a corresponding index number (802) from the card key table (8), and the one-time key (801) The packet D is encrypted into a packet E, and the encrypted merchant card chip (601) deletes the one-time key (801) from the key table (8); the content of the packet D includes the merchant card number (606) ), P0S machine number (201), payment, amount of money, information package C and other information; The merchant card chip (601) in the merchant card (6) combines the data packet E, the merchant card number (606), the index number (802)', and the like into the data package F, and then the data packet is transmitted through the communication interface (104). F is transmitted to the P0S machine (2);

The P0S machine (2) transmits the data package F to the receiving bank accounting system via the communication network (5) (3); A4. The receiving bank accounting system (3) finds the data package E, the merchant from the contents of the data package F Card number (606), index number (802), find the merchant card account corresponding to the merchant card number (606) from the merchant card number (606), and extract from the key table (8) of the merchant card account from the index number (802) The one-time key (801) corresponding to the index number (802) decrypts the data package E and restores the data package D. After the decryption succeeds, the data package E is the merchant card corresponding to the merchant card number (606). ), after decryption, the card collection system (3) deletes the one-time key (801) from the key table (8); the collection bank account system (3) finds from the package D Information packet C, merchant card number (606), P0S machine number (201), payment amount, etc., verify whether the P0S machine number (201) and the merchant card number (606) belong to the same merchant, and check that both belong to the same merchant. , will package C, merchant card number (606), payment amount, etc. The data is transmitted to the card issuing bank accounting system (4) to request the transfer payment; A5. The card issuing bank accounting system (4) after receiving the data package C, the merchant card number (606), the payment amount and the like, is found from the content of the package C The data package B, the card number (106) and the index number (702), the smart card account corresponding to the card number (106) is found from the card number (106), and is extracted from the key table (7) of the smart card account from the index number (702). The one-time key (701) corresponding to the index number (702) decrypts the data package B and restores the data package A. After successful decryption, the data package B is sent from the smart card (1) corresponding to the card number (106). , after decryption, the card issuing bank accounting system (4) deletes the one-time key (701) from the key table (7);

The card issuing bank account system (4) finds the card number (106), payment amount, account password and other information from the package A, and checks the payment amount and the payment amount are the same, the card issuing bank accounting system (4) checks the account password and After the smart card account balance of the card number (106) is verified, the money of the payment amount is transferred from the smart card account of the card number (106) to the merchant card number (606) in the card collecting bank accounting system ( 3) merchant card account;

After the transfer is successful, the card issuing bank accounting system (4) extracts another one-time key (701) and a corresponding index number (702) from the key table (7) of the smart card account, with the one-time key (701) encrypting the packet 1 into the packet 2, and after the encryption, the card issuing bank accounting system (4) deletes the other one-time key (701) from the key table (7); the packet 1 The contents include card number (106), merchant card number (606), and the amount of the transferred payment; The card issuing accounting system (4) composes the data packet 2, the card number (106), the index number (702) of the one-time key (701), the merchant card number (606), the transferred payment amount and the like into the data package 3 The card issuing bank accounting system (4) transmits the data package 3 to the receiving card accounting system (3);

The card receiving bank accounting system (3) extracts another one-time key (801) and a corresponding index number (802) from the key table (8) of the merchant card account of the merchant card number (606), The one-time key (801) encrypts the data package 3 into the data package 4, and the encrypted collection bank accounting system (3) deletes the other one-time key (801) from the key table (8);

The receiving bank accounting system (3) transmits the data packet 5 to the P0S machine (2) through the communication network (5); A7. After receiving the data packet 5, the P0S machine (2) transmits the data packet 5 to the P0S machine ( 2) The merchant card (6); The merchant card chip (601) in the merchant card (6) finds the data package 4, the merchant card number (606), the index number (802), etc. from the information package 5, from the index number (802) extracting the one-time key (801) corresponding to the index number (802) in the key table (8) of the merchant card chip (601), decrypting the data packet 4 and restoring the data packet 3, and after decrypting successfully, indicating The data package 4 is issued by the card collecting bank accounting system (3), and the data package 2, the card number (106), the index number (702), the merchant card number (606), and the transferred payment amount are found in the data package 3. And the information, the merchant card chip (601) stores the transaction data in the memory in the merchant card chip (601), and the decrypted merchant card chip (601) removes the one-time key from the key table (8). (801) delete;

Merchant Card (6) Transfer the packet 3 to the P0S machine (2);

The main chip (101) in the smart card (1) finds the data packet 2, the card number (106), the index number (702), the merchant card number (606), the transferred payment amount and the like from the data package 3, from the index number (702). Extracting the one-time key (701) corresponding to the index number (702) in the key table (7) of the main chip (101), decrypting the data package 2 and restoring the data package 1 to the data package 1 2 is issued by the issuing bank account system (4), the main chip (101) stores the transaction data in the main chip In the memory in (101), the decrypted main chip (101) deletes the one-time key (701) from the key table (7);

The main chip (101) finds the card number (106), the merchant card number (606), the transferred payment amount and the like from the package 1, and displays the transferred payment amount to the card owner through the display device (103), and the main chip (101) The smart card (1) is automatically locked, and the locked smart card (1) can be used only after entering the correct card opening password. · '

20. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following group B step, wherein the card owner uses the smart card (1) to perform withdrawal at the ATM machine (9). The specific steps are as follows:

B1. The card owner inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1) and guide the card master to input the withdrawal amount and the account password; the master chip (101) in the smart card (1) extracts a one-time key from the card key table (7) ( 701) and the corresponding index number (702), encrypting the data package A into the data package B by the one-time key (701), and encrypting the primary chip (101) from the key table (7) The key (701) is deleted; the content of the data package A includes the card number (106), the withdrawal amount, the account password, and the like; the main chip (101) sets the data packet 8, the card number (106), and the index number (702). ) constitute a package C;

The merchant card chip (601) in the merchant card (6) extracts a one-time key (801) and a corresponding index number (802) from the card key table (8), and the one-time key (801) The packet G is encrypted into a packet H, and the encrypted merchant card chip (601) deletes the one-time key (801) from the key table (8); the content of the packet G includes the merchant card number (606) ), ATM machine number (901), information package C, etc.;

The merchant card chip (601) in the merchant card (6) combines the data package H, the merchant card number (606), and the index number (802) into the data package J, and then transmits the data package J to the data package J through the communication interface (104). ATM machine (9); ATM machine (9) transmits the data package J to the card receiving bank accounting system (3) through the communication network (5); B4, Receiving Bank Accounting System (3) Find the package H, the merchant card number (606) and the index number (802) from the contents of the package J, and find the merchant corresponding to the merchant card number (606) from the merchant card number (606). The card account, from the index number (802) in the key table (8) of the merchant card account, 'extract the one-time key (801) corresponding to the index number (802) to decrypt the data package H and restore the data package G After the decryption is successful, it indicates that the data package H is sent from the merchant card (6) corresponding to the merchant card number (606), and the decrypted card receiving bank accounting system (3) will be once from the key table (8). The sex key (801) is deleted; the card receiving bank accounting system (3) finds the data package C, the merchant card number (606), the ATM machine number (901), the payment amount and the like from the package G, and checks the ATM machine. The number (901) and the merchant card number (606) belong to the card-receiving bank. After checking that both cards are correct, the data package (, merchant card number (606) and other data will be transmitted to the card-issuing bank account system (4). Request a transfer payment;

The card issuing bank accounting system (4) finds the card number (106), the withdrawal amount, the account password and the like from the package A, and checks the withdrawal amount, the account password and the smart card account balance of the card number (106), and the verification is correct. Transferring the withdrawal amount from the smart card account of the card number (106) to the merchant card number (606) of the merchant card account system (3);

After the transfer is successful, the card issuing bank accounting system (4) extracts another one-time key (701) and a corresponding index number (702) from the key table (7) of the smart card account, with the one-time key (701) encrypting the packet 1 into the packet 2, and encrypting the card issuing bank accounting system (4) deleting the other one-time key (701) from the key table (7); the packet 1 The contents include the card number (106), the merchant card number (606), and the amount of the transferred withdrawal amount;

The card issuing bank accounting system (4) transmits the data package 3 to the card collecting bank accounting system (3); B6. After receiving the data package 3, the receiving bank account management system (3) finds the data package 2, the card number (106), the index number (702), the merchant card number (606), the transferred withdrawal amount, etc. from the package 3. Information, knowing that the transfer was successful, and storing the transaction details of the transfer payment;

The receiving bank accounting system (3) transmits the packet 5 to the ATM (9) via the communication network (5); B7. After receiving the packet 5, the ATM (9) transmits the packet 5 to the ATM ( 9) The merchant card (6); The merchant card chip (601) in the merchant card (6) finds the data package 4, the merchant card number (606), the index number (802), etc. from the information package 5, from the index number (802) extracting the one-time key (801) corresponding to the index number (802) in the key table (8) of the merchant card chip (601), decrypting the data packet 4 and restoring the data packet 3, and after decrypting successfully, indicating The data package 4 is issued by the card collecting bank accounting system (3), and the data package 2, the card number (106), the index number (702), the merchant card number (606), and the transferred withdrawal amount are found in the data package 3. And the information, the merchant card chip (601) stores the transaction data in the memory in the merchant card chip (601), and the decrypted merchant card chip (601) removes the one-time key from the key table (8). (801) delete;

Merchant Card (6) Transfer the packet 3 to the ATM (9);

The ATM machine (9) transmits the data packet 3 to the smart card (1) through the card reader, and displays the transferred withdrawal amount to the card owner through the display device of the ATM machine (9), and the ATM machine (9) spits out the withdrawal amount. Banknotes and printed receipts to the card owner;

The main chip (101) in the smart card (1) finds the data packet 2, the card number (106), the index number (702), the merchant card number (606), the transferred withdrawal amount, and the like from the data package 3, from the index number (702). Extracting the one-time key corresponding to the index number (702) in the key table (7) of the master chip (101)

(701) Decrypting the data package 2 to the data package 1, and after decrypting successfully, indicating that the data package 2 is sent by the issuing bank accounting system (4), the main chip (101) stores the data of the transaction in the main chip

In the memory in (101), the decrypted master chip (101) deletes the one-time key (701) from the key table (7); The main chip (101) finds the card number (106), the merchant card number (606), the transferred withdrawal amount and the like from the package 1, and displays the transferred withdrawal amount to the card owner through the display device (103), and the main chip (101) The smart card a) is automatically locked, and the locked smart card α) can be used only after entering the correct card opening password.

21. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following C group step, which is a step for the card owner to pay when using the smart card (1) to make a purchase on the Internet. The specific steps are as follows:

C1. The card owner uses a computer terminal (12) that can be connected to the Internet to connect to the Internet and enters the shopping website (13). 'According to the guidance of the content of the shopping website (13), purchase the required items, and then shop at the time of payment. Website (13) shows the payment amount and the bank account number of the shopping website;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet encryption becomes the packet I, and the encrypted main chip (101) deletes the one-time key (701) from the key table (7); the content of the data package includes the card number (106), the shopping site Bank account number, payment amount, account password and other information;

The main chip (101) composes the data L, the card number (106) and the index number (702) into a data package M, and displays it to the card owner through the display device (103);

C3. The computer terminal (12) transmits the data package M input by the card owner to the shopping website (13) via the internet (11);

C4. Shopping website (13) The data package M, the shopping website bank account number and the payment amount are grouped into the data package N, and then the data package N is transmitted to the collection bank accounting system ' (3);

C5. Receiving bank account system (3) Find the bank account number of the package shopping website, the payment amount, etc. from the package N, and find the package L, card number (106), index number (702) from the package M. ) and other information; After receiving the correct accounting data, the card receiving bank account system (3) transmits the data package M, the shopping website bank account number, the payment amount and the like to the card issuing bank accounting system (4) of the card number (106) to request the transfer payment;

C6. The card issuing bank account system (4) after receiving the data package M, the shopping website bank account number, the payment amount and other information, find the data package card number (106) and the index number (702) from the content of the data package M, the slave card number (106) Finding the card account corresponding to the card number (106), extracting the one-time key corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702) (701) The data package L is decrypted and restored to the data package K. After the decryption is successful, the data package L is sent from the smart card (1) corresponding to the card number (106), and the card issuing bank accounting system (4) is decrypted. Delete the one-time key (701) in Table (7);

C7. Issuing the bank account book after the transfer (4) Notifying the card collection system (3) The transfer payment is successful; C8. The card collection system (3) Notifying the shopping website (13) The transfer payment is successful;

C9. The shopping website (13) transmits the transfer payment success information and the payment details to the computer terminal (12) through the Internet (11), and arranges to deliver the items purchased by the card owner to the card owner.

22. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following group D step, which is a step in which the card owner uses the smart card (1) to transfer money on the network. The specific steps are as follows:

D1. The card master enters the card opening password on the keyboard (102) on the smart card (1), and the main chip in the smart card (1)

(101) After verifying that the card opening password is correct, the prompting information is displayed by the display device (103), prompting the card owner to start using the smart card (1), and guiding the card master to input the transfer amount, the account password, the payee account number and the like;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet encryption becomes the packet L, and the encrypted main chip (101) deletes the one-time key (701) from the key table (7); The contents of the package K include the card number (106), the payee account number, the transfer amount, the account password and the like;

The main chip (101) composes the data package card number (106) and the index number (702) into a data package, and displays it to the card owner through the display device (103);

D2. The card owner uses the Internet terminal (12) that can connect to the Internet to connect to the Internet, and logs in to the transfer page of the issuing bank's accounting system (4). According to the guidance of the content of the transfer page, the transfer amount is input through the Internet terminal (12). , the payee account number and the like, and the content of the data package displayed by the smart card (1) in step D1;

D3. The Internet terminal (12) transmits the data package input by the card owner to the card issuing bank accounting system (4) through the Internet (11);

D4. After issuing the data package, the card issuing bank account system (4) finds the package L, card number (106) and index number (702) from the data package, and finds the corresponding card number (106) from the card number (106). The smart card account, from the index number (702), extracts the one-time key (701) corresponding to the index number (702) in the key table (7) of the smart card account, and decrypts the data package L to restore the data package, After successful decryption, it indicates that the data package L is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) removes the one-time key from the key table (7) ( 701) delete;

D5. After the transfer, the bank account processing system (3) informs the issuing bank account system (4) the transfer is successful; D6. The card issuing bank account system (4) The details of the transfer success information and transfer through the Internet (11) Transfer to the Internet terminal (12) to the card owner.

23. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following steps: the card owner uses the smart card (1) and the mobile phone to perform the transfer, specifically The steps are as follows:

E1. The card master enters the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. the Lord You can start using the smart card (1) and guide the card owner to enter the transfer amount, account password, payee account number and other information;

E2. The card owner inputs the content of the package M into the mobile phone, and then transmits the content of the data package M to the card issuing bank accounting system via the mobile phone and the mobile phone network (14) by SMS or MMS or USSD information (4);

E3. After issuing the data package M, the issuing bank account management system (4) finds the data package L, the card number (106) and the index number (702) from the data package M, and finds the corresponding card number (106) from the card number (106). The smart card account, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), decrypting the data package L and restoring the data package K, After successful decryption, it indicates that the data package L is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) removes the one-time key from the key table (7) ( 701) delete;

Ε4. After receiving the transfer, the bank account system (3) informs the issuing bank account system (4) that the transfer is successful; Ε5. The issuing bank account system (4) will use the mobile phone network (14) to send SMS or MMS or USSD information. The transfer success information and the details of the transfer are transferred to the card owner's mobile phone for the card owner to see.

24. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following F group step, which is a step of the card owner using the smart card (1) and the mobile phone to perform the transfer, specifically The steps are as follows: ;

F1. The card master enters the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. the Lord You can start using the smart card (1) and guide the card owner to enter the transfer amount, the account password, the payee's mobile phone number, and the receipt password;

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet 0 is encrypted into a packet P, and the encrypted main chip (101) deletes the one-time key (701) from the key table (7); the content of the packet 0 includes the card number (106), and the payment is received. Personal mobile phone number, receiving payment password, transfer amount, account password and other information;

The main chip (101) will be the data package? The card number (106) and the index number (702) constitute a data package Q, and are displayed to the card owner through the display device (103);

F2. The card owner inputs the contents of the package Q into the mobile phone, and then transmits the data package Q to the card issuing bank accounting system via the mobile phone and the mobile phone network (.14) by SMS or MMS or USSD information (4);

F3. The card issuing bank accounting system (4), after receiving the data package Q, finds the data package P, the card number (106) and the index number (702) from the data package Q, and finds the corresponding card number (106) from the card number (106). The smart card account, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), and decrypting the data package P to restore the data package 0, After successful decryption, the data packet P is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) removes the one-time key from the key table (7) ( 701) delete;

The card issuing bank accounting system (4) finds the card number (106), the payee's mobile phone number, the receiving money password, the transfer amount, the account password and the like from the package 0, and checks the transfer amount, the account password and the card number. (106) The balance of the smart card account and other information. After checking the correct amount, temporarily withdraw the money of the transfer amount from the smart card account of the card number (106), and wait for the payee to withdraw the money by receiving the payment password within the specified time. For example within 5 minutes;

The card issuing bank accounting system (4) sends a text message or a multimedia message or USSD information to the card owner mobile phone through the mobile phone network (14), notifying the card owner that the money transfer payment has been prepared, and the payee can receive the payment password within a specified time. Extract the money;

F5. Card-issuing bank account system (4) After receiving the payment and receiving payment information, the recipient's mobile phone number is found from the source phone number of the receiving transfer payment information, and the payee's mobile phone number is in the issuing bank account. In the system (4), the record of the money for temporarily suspending the transfer transfer amount described in step F3 is found, the payee account number and the receipt money password are found from the receiving transfer payment information content, and the receiving money password and the information in the information are checked. After the receipt password in the record of the temporarily frozen transfer amount is the same, the card issuing bank account system (4) transfers the money of the temporarily frozen transfer amount to the receipt bank account system (3). Account of the payee account number;

F8. The card issuing bank accounting system (4) informs the card master payee that the transfer money and the transfer amount have been successfully received by sending a text message or MMS message or USSD information to the card master mobile phone through the mobile phone network (14).

25. The payment transfer method with a keyboard and a display smart card according to claim 18, wherein the method comprises the following G group step, wherein the card owner uses the smart card (1) and the mobile phone to perform remote ATM withdrawal. Steps, the specific steps are as follows -

The master chip (101) in the smart card (1) extracts a one-time key (701) and a corresponding index number (702) from the card key table (7), and uses the one-time key (701) to data The packet R is encrypted into a packet S, and after encryption, the main chip (101) deletes the one-time key (701) from the key table (7); the content of the packet R includes the card number (106), and receives Money password, withdrawal amount, account password and other information;

The main chip (101) composes the data package 3, the card number (106) and the index number (702) into a data package T, and displays it to the card owner through the display device (103);

G3. Card issuing bank accounting system (4) After receiving the information of the content of the package T, the information package S, the card number (106) and the index number (702) are found from the information content, and the corresponding card number is found from the card number (106). (106) the smart card account, extracting the one-time key (701) corresponding to the index number (702) from the key table (7) of the smart card account from the index number (702), decrypting the data package S to restore the data Package R, decryption After success, it indicates that the data package S is sent from the smart card (1) corresponding to the card number (106), and the decrypted card issuing bank accounting system (4) removes the one-time key from the key table (7) (701). Delete; card issuing bank accounting system (4) find the card number (106), receiving payment password, withdrawal amount, account password and other information from the package R, check the withdrawal amount, the account password and the card number (106) After the smart card account balance and other information are verified, the money of the withdrawal amount is temporarily frozen from the smart card account of the card number (106), and the payee is allowed to withdraw the money by receiving the payment password within a specified time, for example, within 5 minutes. If the payee fails to withdraw the payment after the specified time has elapsed, the card issuing bank account system (4) will unfreeze the money and return it to the smart card account; the card issuing bank accounting system (4) through the mobile phone network (14) Send SMS or MMS or USSD information to the card owner's mobile phone, notify the card owner that the withdrawal amount has been prepared, and the cashier can receive the payment at the ATM (9) within the specified time. The password is used to withdraw the money;

The merchant card chip (601) in the merchant card (6) extracts a one-time key (801) and a corresponding index number (802) from the card key table (8), and the one-time key (801) The data package U is encrypted into a data package V. After the encryption, the merchant card chip (601) deletes the one-time key (801) from the key table (8); the content of the data package U includes the card number (106). ), withdrawal amount, receipt password, merchant card number (606), ATM number (901), etc.;

The merchant card chip (601) in the merchant card (6) combines the data package ¥, the merchant card number (606), and the index number (802) into a data package W, and then transmits the data package W to the ATM machine through the communication interface (104) ( 9); ATM machine (9) transmits the data package W to the receiving bank accounting system through the communication network (5); (3) G6. Receiving the accounting system (3) Find the data package from the data package W V, merchant card number (606) and index number (802), find the merchant card account corresponding to the merchant card number (606) from the merchant card number (606), from the index number (802) in the key table of the merchant card account (8) The one-time key (801) corresponding to the index number (802) is extracted and the data package V is decrypted and restored to the data package U. After the decryption succeeds, the data package V is the merchant corresponding to the merchant card number (606). After the card (6) is issued, the decrypted card receiving bank accounting system (3) deletes the one-time key (801) from the key table (8);

The card collection system (3) finds the card number (106), the withdrawal amount, the receipt password, the merchant card number (606), the ATM number (901), etc. from the package U, and checks the ATM number ( 901) and Whether the merchant card number (606) belongs to the card-receiving bank, and after checking that both cards are correct, the card number (106), the withdrawal amount, the receiving money password, the merchant card number (606) and the like are transmitted to the card-issuing bank account. System (4) requests a transfer payment;

G7. After issuing the card number (106), withdrawal amount, receiving payment password, merchant card number (606), etc., the card issuing bank account system (4) is in the card issuing accounting system (4). Finding the record of the money for temporarily suspending the withdrawal amount described in step G3, checking whether the receipt password is the same as the receipt password in the record of the temporary frozen withdrawal amount, and checking the withdrawal amount and the stated amount Whether the withdrawal amount in the record of the money for temporarily suspending the withdrawal amount is the same, and after verifying that the two are the same, the card issuing bank accounting system (4) transfers the money of the temporarily frozen withdrawal amount to the merchant card number (606). In the merchant card account of the card receiving bank account system (3), and notify the card receiving bank account system (3) that the transfer is successful;

G8. After receiving the transfer success notification, the card receiving bank accounting system (3) extracts another item from the key table (8) of the merchant card account of the merchant card number (606). The one-time key (801) and the corresponding index number (802), the data packet 6 is encrypted into the data package 7 by the one-time key (801), and the credit card collection system (3) from the key table is encrypted. The other one-time key (801) is deleted in (8), and the content of the data package 6 includes the card number (106), the withdrawal amount, the merchant card number (606), the ATM machine number (901) and the like;

The card receiving bank accounting system (3) transmits the data package 8 to the ATM machine (9) through the communication network (5); G9. After receiving the data package 8, the ATM machine (9) transmits the data package 8 to the ATM machine ( 9) The merchant card (6); The merchant card chip (601) in the merchant card (6) finds the data package 7, the merchant card number (606), the index number (802), etc. from the data package 8, from the index number (802) extracting the one-time key (801) corresponding to the index number (802) in the key table (8) of the merchant card chip (601), decrypting the data package 7 and restoring the data packet 6, and after decrypting successfully, indicating The data package 7 is issued by the card collecting bank accounting system (3), and the card number (106), the withdrawal amount, the merchant card number (606), the ATM machine number (901) and the like are found in the data package 6, the merchant The card chip (601) stores the data of the withdrawal operation in the memory in the merchant card chip (601), and the decrypted merchant card chip (601) removes the one-time key from the key table (8) (801). Delete

Merchant Card (6) transmits the packet 6 to the ATM (9); After receiving the data packet 6, the ATM machine (9) displays the withdrawal success information and the withdrawal amount to the payee through the display device of the ATM machine (9), and the ATM machine (9) spits out the withdrawal amount of the banknote and prints. Receipt to the payee;

G10. The issuing bank account payment system (4) sends a text message or MMS message or USSD information to the card owner mobile phone through the mobile phone network (14), and the card main payer has notified the ATM machine (9) to withdraw the payment within a specified time.

26. A small amount transaction payment method with a keyboard and a display smart card, the payment system with a keyboard and a display smart card according to any one of claims 1 to 17, wherein the method comprises At the time of payment, the balance amount stored in the balance record area of the smart card (1) is transferred by the POS machine (2) to the balance amount stored in the balance record area of the merchant card (6). And, when searching or recharging, the balance amount stored in the balance record area of the merchant card (6) is transferred from the balance amount in the merchant card (6) to the balance of the payment amount to be stored in the balance record area of the smart card (1). Within the balance amount.

27. The method of claim 26, wherein the method comprises the following group H step, wherein the card owner uses the smart card (1) to make a small amount payment in the store. The specific steps are as follows:

H2. The store cashier enters the payment amount on the P0S machine (2), and then the card owner puts the smart card (1) on the card reader of the P0S machine (2), and the P0S machine (2) reads the smart card (1) After the card number (106) is successful, the P0S machine (2) transmits the card number (106), the P0S machine number (201), the payment amount and the like to the merchant card (6) in the POS machine (2), and the merchant card (6) The merchant card chip (601) encrypts the payment data such as the card number (106), the merchant card number (606), the P0S machine number (201), and the payment amount by a predetermined encryption algorithm B, and then transmits the payment data back to the POS machine (2) by the POS. (2) transmitting the encrypted payment data to the smart card (1) through the card reader,

H3. The smart card (1) receives the encrypted payment data through the communication interface (104), and decrypts the encrypted payment data by the predetermined encryption algorithm B to restore the card number (106), the merchant card number (606), and the P0S machine number (201). After the payment card amount (106) and the payment amount are less than the small payment limit amount, the main chip (101) in the smart card (1) reads the latest balance record from the balance record area, and Check that the balance amount in the balance record is not less than the payment amount, and the balance is reduced after the verification is correct. Calculate the new balance amount by the payment amount, then write the new balance amount into the balance record area and write the card number (106), merchant card number (606), P0S machine number (201), payment amount and other information into the small amount. In the payout area, the small transaction data such as the card number (106), the merchant card number (606), the P0S machine number (201), and the payment amount are encrypted by the predetermined encryption algorithm A, and transmitted to the P0S machine through the communication interface (104) ( 2), and display the payment amount and the latest balance to the card owner through the display device (103), and, the main chip (101) automatically locks the smart card (1), and the locked smart card (1) is input correctly. The card password can only be used;

H4. The P0S machine (2) reads the encrypted small transaction data through the card reader, and transmits the encrypted small transaction data to the merchant card (6) and the merchant card in the P0S machine (2). The main chip (101) decrypts the encrypted small transaction data with a predetermined encryption algorithm A, and restores the card number (106), merchant card number (606), P0S machine number (201), payment amount, etc. after successful decryption. After the transaction data is correct, the card number (106), merchant card number (606), P0S machine number (201), payment amount and other information are written into the collection record area, and the latest one is read from the balance record area. The balance of the pen balance, calculate the new balance amount by adding the balance amount in the balance record plus the payment amount, and then write the new balance amount into the balance record area, and, the merchant card (6) to the POS machine (2) ) issue payment success information;

H5. After the payment success message is received, the P0S machine (2) prints the receipt to the card owner immediately, and the micropayment operation is completed.

28. The method of claim 26, wherein the method comprises the following J group step, wherein the card owner uses the cash payment, and the merchant will find the replacement cash. Steps to enter the card's smart card (1), the specific steps are as follows:

J1. The card master enters the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed by the display device (103), and the prompt card is displayed. The master can start using the smart card (1);

J2. After the card owner pays the cash, the store cashier enters the payment amount and the cash amount on the P0S machine (2), the P0S machine (2) calculates the renewal amount, and then the card owner puts the smart card (1) The card reader on the P0S machine (2), the P0S machine (2) reads the card number (106) of the smart card (1). After successful, the P0S machine (2) transmits the card number (106) and the renewal amount to the P0S machine. (2) Merchant card (6), merchant card (6) After checking that the renewal amount is less than the small payment limit amount, the merchant card chip (601) in the merchant card (6) reads the latest from the balance record area. A balance record, and check that the balance amount in the balance record is not less than the renewal amount. After checking, the balance amount is subtracted from the renewal amount to calculate the new balance amount, and then the new balance amount is written into In the balance record area and the card number (106), the merchant card number (606), The POS machine number (201), the renewal amount, etc. are written into the expense record area, and the card number (106), the merchant card number (606), the P0S machine number (201), the renewal amount, etc. are small by a predetermined encryption algorithm B. The amount of renewal data is encrypted and transmitted to the P0S machine through the communication interface (604) (2);

J3. The P0S machine (2) transmits the encrypted small amount of renewal data described by the card reader to the smart card (1), and the main chip (101) in the smart card (1) encrypts the small amount with a predetermined encryption algorithm B. Find the decryption data. After the decryption is successful, restore the card number (106), merchant card number (606), P0S machine number (201), and find the renewal amount and other small amount of renewal information. After checking the data, the card number (106) and the merchant card number are verified. (606), P0S machine number (201), the renewal amount is written into the small deposit area, and the latest balance record is read from the balance record area, and the balance amount in the balance record is added. Find the new balance amount by looking for the renewal amount, then write the new balance amount into the balance record area, and display the renewal amount and the latest balance through the display device (103), and send the search success to the POS machine (2). Information

J4. P0S machine (2) After receiving the success message, the receipt will be printed to the card owner immediately, and the small amount of renewal operation is completed.

29. The method of claim 26, wherein the method comprises the following K group step, wherein the card owner uses the cash payment refill smart card at the merchant (1) ), the specific steps are as follows -

K1. The card master inputs the card opening password on the keyboard (102) on the smart card (1). After the main chip (101) in the smart card (1) checks the card opening password is correct, the prompting information is displayed through the display device (103), the prompt card The master can start using the smart card (1);

K2. The card owner will hand over the refilled cash to the merchant's cashier. After the store cashier picks up the cash, he enters the recharge amount on the P0S machine (2), and then the card owner puts the smart card (1) on the POS machine (2). ) The card is picked up by the card reader. After the P0S machine (2) reads the card number (106) of the smart card (1) successfully, the P0S machine (2) transmits the card number (106) and the recharge amount to the P0S machine (2). Merchant Card (6), Merchant Card (6) After checking that the recharge amount is less than the small payment limit amount, the merchant card chip (601) in the merchant card (6) reads the latest balance record from the balance record area. And verify that the balance amount in the balance record is not less than the recharge amount. After checking, the balance amount is subtracted from the recharge amount to calculate the new balance amount, and then the new balance amount is written into the balance record area and the card number ( 106), the merchant card number (606), the P0S machine number (201), the recharge amount and other information are written into the expenditure record area, and the card number (106), the merchant card number (606), and the P0S machine number are (see) the predetermined encryption algorithm B ( 201), recharge amount and other recharge data encryption, through the communication interface (6 04) transmitted to the P0S machine (2); K3. The POS machine (2) transmits the encrypted recharge data described by the card reader to the smart card (1), and the main chip (101) in the smart card (1) decrypts the encrypted recharge data by a predetermined encryption algorithm B, and decrypts After successful, the card number (106), merchant card number (606), P0S machine number (201), and recharge amount will be restored. After checking the data, the card number (106), merchant card number (606), and P0S machine number (201) will be verified. The recharge amount is written into the recharge record area, and the latest balance record is read from the balance record area, the balance amount in the balance record is added to the recharge amount to calculate the new balance amount, and then the new balance is The balance amount is written into the balance record area, and the recharge amount and the latest balance are displayed by the display device (103), and the refill success information is sent to the POS machine (2);

4. P0S machine (2) After receiving the refill success message, immediately print the receipt to the card owner, and the recharge operation is completed.