WO2014094638A1

WO2014094638A1 - Smart card and transaction control method for smart card

Info

Publication number: WO2014094638A1
Application number: PCT/CN2013/090008
Authority: WO
Inventors: 李东声
Original assignee: 天地融科技股份有限公司
Priority date: 2012-12-20
Filing date: 2013-12-19
Publication date: 2014-06-26
Also published as: HK1184900A1; CN103136857B; CN103136857A

Abstract

Provided are a smart card and a transaction control method for the smart card. The method comprises: a security chip (101) receiving a transaction instruction from a card reader (20) via an antenna (103)(S201); the security chip (101) parsing the transaction instruction, so as to acquire transaction information (S202); the security chip (101) judging whether the transaction information contains information about amount of money or not (S203); if the transaction information contains the information about amount of money, the security chip (101) comparing a pre-stored threshold value with the information about amount of money (S204); the security chip (101) sending the transaction instruction to a smart card chip (102) according to the comparison result (S205); and the smart card chip (102) executing a transaction operation according to the transaction instruction (S206). When the card reader (20) performs transaction on the smart card, because the card swiping amount of money of the card reader (20) can be compared with the pre-stored threshold value by means of the security chip (101), the transaction instruction is sent to the smart card chip (102) on the basis of the comparison result, so as to execute the transaction operation, so that the smart card has corresponding security protection measures. Therefore, the security of a transaction can also be guaranteed even when a large sum transaction is conducted.

Description

Smart card and smart card transaction control method

Technical field

The present invention relates to the field of electronic technologies, and in particular, to a smart card and a smart card transaction control method. Background technique

The current smart IC cards are mostly single-function smart IC cards, such as fuel cards, because they have no encryption and security protection measures, so that they can be used to complete small transactions, and when using smart IC cards to complete large transactions through contactless transactions. When trading, the transaction cannot be guaranteed. Moreover, when the existing smart IC card performs non-contact transaction, the smart IC card chip transmits information through the non-contact antenna, and when the non-contact antenna senses a control instruction from the card reading device (for example, POS, ATM, etc.), Trigger the smart IC card for data transmission. If the user does not know the situation, the smart IC card will trigger the smart IC card to transmit data as long as it receives the control command from the card reading device, resulting in the loss of the user's smart card account. Summary of the invention

The present invention aims to solve the problem that the existing smart IC card is not safe.

The main object of the present invention is to provide a smart card transaction control method;

Another object of the present invention is to provide a smart card.

In order to achieve the above object, the technical solution of the present invention is specifically implemented as follows:

An aspect of the present invention provides a smart card transaction control method, the method comprising: a security chip receiving a transaction instruction from a card reader through an antenna; the security chip parsing the transaction instruction to obtain transaction information; Whether the transaction information includes the amount information; if the transaction information includes the amount information, the security chip compares the pre-stored preset threshold with the amount information; the security chip according to the comparison result The transaction instruction is sent to the smart card chip; the smart card chip performs a transaction operation according to the transaction instruction.

In addition, the step of the security chip sending the transaction instruction to the smart card chip according to the comparison result comprises: if the comparison result is that the amount information is less than a preset threshold, the security chip sends the transaction instruction Up to the smart card chip; if the comparison result is that the amount information is greater than or equal to a preset threshold, the security chip performs a verification operation, and after completing the verification operation, sending the transaction instruction to the smart card chip.

In addition, the security chip performing the verification operation includes the following operation or a combination of several operations: the security chip controls the display screen to display the amount information; the security chip receives a confirmation command input by the keyboard; the security chip receives The password entered by the keyboard determines that the password is correct. In addition, if the verification operation performed by the security chip includes the step of the security chip receiving the confirmation command of the keyboard input, before the step of the security chip performing the verification operation, the method further includes: the security chip controlling the display screen to display the confirmation input If the verification operation performed by the security chip includes the step of the security chip receiving the password input by the keyboard and determining that the password is correct, the step of performing the verification operation by the security chip further includes: the security The chip control display shows the prompt password input information.

In addition, the security chip performing the verification operation includes: the security chip controls the display screen to display the amount information; or the security chip receives a confirmation command input by the keyboard; or the security chip receives the password input by the keyboard, and determines the location The security chip controls the display screen to display the amount information, and receives a confirmation command input by the keyboard; or the security chip receives a confirmation command input by the keyboard, and controls the display screen to display the amount information; or the security The chip control display screen displays the amount information, receives the password input by the keyboard, and determines that the password is correct; or the security chip receives the password input by the keyboard, determines that the password is correct, and controls the display screen to display the amount information; Or the security chip receives the confirmation command input by the keyboard, receives the password input by the keyboard, and determines that the password is correct; or the security chip receives the password input by the keyboard, determines that the password is correct, and receives a confirmation command input by the keyboard; Or the security chip controls the display screen The amount information, receiving the confirmation command input by the keyboard, receiving the password input by the keyboard, determining that the password is correct; or the security chip control display screen displays the amount information, receiving the password input by the keyboard, and determining that the password is correct, Receiving a confirmation command input by the keyboard; or the security chip receiving the confirmation command input by the keyboard, controlling the display screen to display the amount information, receiving the password input by the keyboard, determining that the password is correct; or receiving the keyboard input by the security chip Confirming the command, receiving the password input by the keyboard, determining that the password is correct, and controlling the display screen to display the amount information; or the security chip receiving the password input by the keyboard, determining that the password is correct, and controlling the display screen to display the amount The information receiving the confirmation command input by the keyboard; or the security chip receiving the password input by the keyboard, determining that the password is correct, receiving a confirmation command input by the keyboard, and controlling the display screen to display the amount information.

Further, the step of the security chip transmitting the transaction instruction to the smart card chip according to the comparison result comprises: if the comparison result is that the amount information is less than a first threshold, the security chip sends the transaction instruction To the smart card chip; if the comparison result is that the amount information is greater than or equal to a first threshold and less than a second threshold, the security chip controls the display screen to display the amount information, receives a confirmation command input by the keyboard, and Transmitting the transaction command to the smart card chip; or the security chip control display screen displays the amount information, receiving a password input by the keyboard, determining that the password is correct, and transmitting the transaction instruction to the smart card chip; If the comparison result is that the amount information is greater than or equal to the second threshold, the security chip controls the display screen to display the amount information, receives the password input by the keyboard, determines that the password is correct, and sends the transaction instruction to The smart card chip; or the security chip control display screen displays the amount information, Confirmation instruction keyboard input, keyboard input receive the password, it is determined The password is correct and the transaction command is sent to the smart card chip.

Further, the step of the security chip transmitting the transaction instruction to the smart card chip according to the comparison result comprises: if the comparison result is that the amount information is less than a first threshold, the security chip sends the transaction instruction To the smart card chip; if the comparison result is that the amount information is greater than or equal to a first threshold and less than a second threshold, the security chip controls the display screen to display the amount information, and sends the transaction instruction to the a smart card chip; or the security chip control display screen displays the amount information, receives a confirmation command input by the keyboard, and sends the transaction instruction to the smart card chip; if the comparison result is that the amount information is greater than or equal to the second The threshold value is less than the third threshold, the security chip controls the display screen to display the amount information, receives a confirmation command input by the keyboard, and sends the transaction instruction to the smart card chip; or the security chip controls the display screen display The amount information, receiving a password input by a keyboard, determining that the password is correct, Transmitting the transaction instruction to the smart card chip; if the comparison result is that the amount information is greater than or equal to a third threshold, the security chip controls the display screen to display the amount information, receives a password input by the keyboard, and determines the location The password is correct, and the transaction instruction is sent to the smart card chip; or the security chip controls the display screen to display the amount information, receives a confirmation command input by the keyboard, receives a password input by the keyboard, and determines that the password is correct. And transmitting the transaction instruction to the smart card chip.

In addition, before the step of the security chip receiving the transaction instruction from the card reader through the antenna, the method further includes: turning on the antenna through a switch; or connecting a connection path of the antenna and the security chip through a switch; Or the smart card chip is turned on by a control instruction of the security chip.

In addition, after the step of the smart card chip performing a transaction operation according to the transaction instruction, the method further includes: closing the antenna by a switch; or disconnecting a connection path between the antenna and the security chip by a switch; or The smart card chip is locked by a control instruction of the security chip.

Another aspect of the present invention provides a smart card, the smart card includes: a security chip, a smart card chip, and an antenna; the security chip receives a transaction instruction from the card reader through the antenna, and parses the transaction instruction to obtain transaction information; Determining whether the transaction information includes the amount information, if the transaction information includes the amount information, the security chip compares the pre-stored preset threshold with the amount information; the security chip is compared according to the comparison As a result, the transaction instruction is sent to the smart card chip; the smart card chip performs a transaction operation according to the transaction instruction.

In addition, the security chip includes: a receiving unit, a parsing unit, a judging unit, a comparing unit, and a control unit; the receiving unit receives a transaction instruction from the card reader through an antenna; the parsing unit parses the transaction instruction to acquire a transaction The determining unit determines whether the amount of information is included in the transaction information; the comparison unit, when the determining unit determines that the transaction information includes the amount information, pre-stores a preset threshold value and the The amount information is compared; the control unit transmits the transaction instruction to the smart card chip according to the comparison result. In addition, the security chip further includes: a verification unit; the comparison unit compares the amount information by less than a preset threshold, and sends first comparison information to the control unit, where the control unit is configured according to the first ratio And sending, by the comparing unit, the transaction instruction to the smart card chip; the comparing unit compares the amount information to be greater than or equal to a preset threshold, and sends second comparison information to the control unit, where the control unit is configured according to the The second comparison information controls the verification unit to perform a verification operation, after the verification unit completes the verification operation, sends verification information to the control unit, and the control unit sends the transaction instruction to the verification information according to the verification information The smart card chip.

In addition, the smart card further includes: a display screen and/or a keyboard; the display screen receives display information of the security chip, and displays the display information; and/or the keyboard inputs information to the security chip The verification unit includes at least one of the following modules or a combination of several modules: a first verification module, the first verification module sends first verification information to the control unit, and the control unit is configured according to the first verification The information control display screen displays the amount information; the second verification module, the second verification module receives the confirmation command input by the keyboard, and sends the second verification information to the control unit; the third verification module, the third verification The module receives the password input by the keyboard, determines that the password is correct, and sends the third verification information to the control unit.

In addition, if the security chip includes a second verification module, the control unit further controls the display screen to display confirmation input prompt information; if the security chip includes a third verification module, the control unit further controls the display screen to display a prompt Password input information.

In addition, the control unit includes: a first control module, the first control module receives the first verification information sent by the first verification module, and controls the display screen to display the amount according to the first verification information. Transmitting the transaction instruction to the smart card chip; or the second control module, the second control module receiving the second verification information sent by the second verification module, and according to the second verification information Transmitting the transaction instruction to the smart card chip; or a third control module, the third control module receiving the third verification information sent by the third verification module, and according to the third verification information Transmitting the transaction instruction to the smart card chip; or the fourth control module, the fourth control module receiving the first verification information sent by the first verification module and the second sending by the second verification module Verifying information, and controlling the display screen to display the amount information according to the first verification information and the second verification information, and sending the transaction instruction The fifth control module receives the first verification information sent by the first verification module and the third verification information sent by the third verification module, and according to the smart card chip; or the fifth control module, The first verification information and the third verification information control display screen display the amount information, and send the transaction instruction to the smart card chip; or a sixth control module, the sixth control module receives the first And the second verification information sent by the verification module and the third verification information sent by the third verification module, and sending the transaction instruction to the location according to the second verification information and the third verification information The smart card chip; or the seventh control module, the seventh control module receives the first verification information sent by the first verification module, and The second verification information sent by the second verification module and the third verification information sent by the third verification module, and according to the first verification information, the second verification information, and the third The verification information control display screen displays the amount information, and sends the transaction instruction to the smart card chip.

In addition, the comparison unit includes: a first comparison module, wherein the first comparison module compares the amount information by less than a first threshold, and sends first comparison information to the control unit, where the control unit is configured according to The first comparison information sends the transaction instruction to the smart card chip; the second comparison module, the second comparison module compares the amount information to be greater than or equal to a first threshold and less than a second threshold, and sends The second comparison information is sent to the control unit, and the control unit controls the verification unit to perform the following operations according to the second comparison information: the verification unit receives the confirmation command input by the keyboard and sends the first verification information to the The control unit, the control unit controls the display screen to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip; or the verification unit receives the password input by the keyboard, and determines The password is correct and sends the second verification information to the control unit, and the control unit controls the display screen according to the second verification information. The amount information is displayed, and the transaction instruction is sent to the smart card chip; the third comparison module, the third comparison module compares the amount information to be greater than or equal to a second threshold, and sends a third comparison information. To the control unit, the control unit controls the verification unit to perform the following operations according to the third comparison information: the verification unit receives a password input by a keyboard, determines that the password is correct, and sends the first verification Information to the control unit, the control unit controls the display screen to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip; or the verification unit receives confirmation of keyboard input And transmitting the first verification information to the control unit, receiving a password input by the keyboard, determining that the password is correct, and sending the second verification information to the control unit, the control unit according to the first verification information And the second verification information control display screen displays the amount information, and sends the transaction instruction to the smart Chip.

In addition, the comparison unit includes: a first comparison module, wherein the first comparison module compares the amount information by less than a first threshold, and sends first comparison information to the control unit, where the control unit is configured according to The first comparison information sends the transaction instruction to the smart card chip; the second comparison module, the second comparison module compares the amount information to be greater than or equal to a first threshold and less than a second threshold, and sends The second comparison information is sent to the control unit, and the control unit controls the verification unit to perform the following operations according to the second comparison information: the verification unit sends the first verification information to the control unit, the control The unit controls the display screen to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip; or the verification unit receives a confirmation command input by the keyboard and sends the second verification information to the a control unit, the control unit controls the display screen to display the amount information according to the second verification information, and sends the transaction instruction to the a third comparison module, wherein the third comparison module compares the amount information to be greater than or equal to a second threshold and less than a third threshold, and sends third comparison information to the control unit, the control unit Controlling, by the third comparison information, the verification unit to perform the following operations: the verification unit receives a confirmation command input by the keyboard and sending the second verification information to the control unit, the control unit controls the display screen to display the amount information according to the second verification information, and sends the transaction instruction to the smart card The verification unit receives the password input by the keyboard, determines that the password is correct, and sends the third verification information to the control unit, and the control unit controls the display screen to display the display according to the third verification information. Amount information, and sending the transaction instruction to the smart card chip;

a fourth comparison module, wherein the fourth comparison module compares the amount information to a third threshold, and sends fourth comparison information to the control unit, where the control unit controls the fourth comparison information according to the fourth comparison information. The verification unit performs the following operations: the verification unit receives the password input by the keyboard, determines that the password is correct, and sends the third verification information to the control unit, and the control unit controls the display screen according to the third verification information. Displaying the amount information, and sending the transaction instruction to the smart card chip; or the verification unit receives a confirmation command input by the keyboard and sends the second verification information to the control unit, and receives a password input by the keyboard, Determining that the password is correct and sending the third verification information to the control unit, the control unit controls the display screen to display the amount information according to the second verification information and the third verification information, and The transaction command is sent to the smart card chip.

In addition, the smart card further includes: a switch; the switch is disposed on the antenna to turn the antenna on or off; the security chip is connected to the smart card chip and the antenna, and is The smart card chip provides an information transmission path.

In addition, the smart card further includes: a switch; the switch is connected to the antenna and the security chip, and connects or disconnects a connection path between the antenna and the security chip; the security chip is connected to the smart card chip, and The smart card chip is provided with an information transmission path when the switch is closed.

Furthermore, the switch is a mechanical switch.

In addition, the switch is an electrical switch, and the switch is further connected to the security chip to receive a control signal of the security chip to open or close.

In addition, the smart card further includes: a switch button; the switch button closes or opens the mechanical switch.

In addition, the smart card further includes: a switch button; the switch button outputs a control command to the security chip, and the security chip sends a control signal according to the control command to control the electrical switch to open or close.

In addition, the security chip also controls the smart card chip to be turned on or locked, and provides an information transmission path for the smart card chip when the smart card chip is turned on.

In addition, the smart card further includes: a switch button; the switch button outputs a control command to the security chip, and the security chip sends a control signal according to the control command to control the smart card chip to be turned on or locked.

In addition, the smart card further includes: a USB interface, a micro USB interface, an audio interface, or an alien interface.

In addition, the smart card further includes: a power source to provide power to the smart card. In addition, the security chip also signs the data and issues the signed data. It can be seen from the technical solution provided by the present invention that the smart card and the smart card transaction control method provided by the present invention, when the card reader performs the transaction on the smart card, the amount of the card reader can be swiped by the security chip and the pre-stored pre-preservation The threshold is compared to send the transaction instruction to the smart card chip to perform the transaction operation based on the comparison result, so that the smart card has corresponding security protection measures, and the transaction security can be ensured even when the large transaction is completed. . DRAWINGS

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention, Those skilled in the art can also obtain other drawings based on these drawings without any creative work.

1 is a schematic structural diagram of a smart card according to Embodiment 1 of the present invention;

2 is a flowchart of a smart card transaction control method according to Embodiment 1 of the present invention;

3 is a schematic structural diagram of a smart card according to Embodiment 2 of the present invention;

4 is another schematic structural diagram of a smart card according to Embodiment 2 of the present invention;

FIG. 5 is a schematic structural diagram of a smart card according to Embodiment 3 of the present invention; FIG. 6 is a schematic structural diagram of a smart card according to Embodiment 4 of the present invention. detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments obtained by a person of ordinary skill in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

In the description of the present invention, it is to be understood that the terms "center", "longitudinal", "transverse", "upper", "lower", "front",

The orientation or positional relationship of "post", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outside", etc. is based on the figure The orientation or positional relationship is merely for the purpose of describing the present invention and the simplification of the description, and is not intended to indicate or imply that the device or component referred to has a particular orientation, is constructed and operated in a particular orientation, and thus is not to be construed as limiting. Moreover, the terms "first" and "second" are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or quantity or location.

In the description of the present invention, it should be noted that the terms "installed", "connected", and unless otherwise specifically defined and defined. "Connection" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be directly connected or indirectly connected through an intermediate medium. , can be the internal connection of two components. The specific meanings of the above terms in the present invention can be understood in the specific circumstances by those skilled in the art.

The embodiments of the present invention will be further described in detail below with reference to the accompanying drawings. Example 1

1 is a schematic structural diagram of a smart card according to the present invention. Referring to FIG. 1, the smart card 10 includes: a security chip 101, a smart card chip 102, and an antenna 103, where:

The security chip 101 receives the transaction instruction from the card reader 20 via the antenna 103, and parses the transaction instruction to acquire transaction information. The security chip 101 determines whether the transaction information includes the amount information. If the transaction information includes the amount information, the security chip 101 will pre-store the information. The preset threshold is compared with the amount information; the security chip 101 sends the transaction instruction to the smart card chip 102 according to the comparison result, and the smart card chip 102 performs the transaction operation according to the transaction instruction.

When the card reader performs the transaction on the smart card, since the card reader can compare the card swipe amount with the pre-stored preset threshold, the transaction command is sent to the smart card chip 102 to perform the comparison result. The transaction operation enables the smart card to have corresponding security protection measures, and the transaction security can be guaranteed even when the large transaction is completed.

The security chip 101 is connected to the smart card chip 102 and the antenna 103 respectively. In addition to performing the above functions, the security chip 101 serves as a transparent transmission path between the smart card chip 102 and the antenna 103 for transaction between the card reader 20 and the smart card chip 102. .

Preferably, the security chip 101 may further include: a receiving unit 1011, a parsing unit 1012, a judging unit 1013, a matching unit 1014, and a control unit 1015;

The receiving unit 1011 receives the transaction instruction from the card reader 20 via the antenna 103;

The parsing unit 1012 parses the transaction instruction to obtain transaction information;

The determining unit 1013 determines whether the amount information is included in the transaction information;

The comparing unit 1014 compares the pre-stored preset threshold with the amount information when the determining unit 1013 determines that the transaction information includes the amount information;

The control unit 1015 transmits a transaction instruction to the smart card chip 102 based on the comparison result.

Specifically, in this embodiment, the security chip further includes: a verification unit 1016;

The comparison unit 1014 compares the amount information to be less than the preset threshold, then sends the first comparison information to the control unit 1015, and the control unit 1015 sends the transaction instruction to the smart card chip 102 according to the first comparison information; The comparison unit 1014 compares the amount information to be greater than or equal to the preset threshold, and sends the second comparison information to the control unit 1015. The control unit 1015 performs the verification operation according to the second comparison information control verification unit 1016, and the verification unit 1016 completes the verification operation. Thereafter, the verification information is transmitted to the control unit 1015, and the control unit 1015 transmits the transaction instruction to the smart card chip 102 based on the verification information.

Therefore, when the amount of the card reader is less than the preset threshold, the card reader and the smart card directly perform the transaction operation. When the amount of the card reader is greater than or equal to the preset threshold, the transaction must be completed by the verification operation, so that the transaction is completed. Smart cards have the guarantee of transactions, thus ensuring the security of large transactions.

In addition, the smart card may further include: a display screen 104 and/or a keyboard 105, wherein: the display screen 104 can receive the display information sent by the security chip 101, and display the display information; thereby ensuring that the smart card can display the amount information of the swipe card, so that The user confirms. The keyboard 105 can input information to the security chip 101, for example, the user presses a confirmation button in the keyboard 105 to input a confirmation command to the security chip 101, or the user presses a numeric key in the keyboard 105 or the like to input a password to the security chip 101; Therefore, it is ensured that the user can input a confirmation command and a password to the security chip 101 through the keyboard 105, thereby further improving the security of the card transaction. Of course, the user can also press the cancel button in the keyboard 105 to input a cancel command to the security chip 101 to instruct the smart card to cancel the transaction.

On this basis, the verification unit 1016 includes at least one of the following modules or a combination of several modules to perform the verification operation: the first verification module, the second verification module, and the third verification module; that is, the verification unit 1016 may include the first verification. The module, the second verification module, and the third verification module may also include any one of the first verification module, the second verification module, and the third verification module, and may further include a first verification module. The second verification module and the third verification module have three verification modules.

a first verification module, the first verification module sends the first verification information to the control unit 1015, and the control unit 1015 controls the display screen 104 to display the amount information according to the first verification information;

a second verification module, the second verification module receives the confirmation command input by the keyboard 106, and sends the second verification information to the control unit 1015;

The third verification module receives the password input by the keyboard 106, determines that the password is correct, and sends the third verification information to the control unit 1015.

Of course, if the second verification module receives the confirmation command input by the keyboard 105 and sends the second verification information to the control unit 1015, the control unit 1015 can also control the display screen 104 to display the confirmation input prompt information, so as to prompt the user to perform the confirmation operation; When the third verification module receives the password input by the keyboard 105, determines that the password is correct, and sends the third verification information to the control unit 1015, the control unit 1015 can also control the display screen 104 to display the prompt password input information, so as to prompt the user to input the password.

Of course, the verification unit 1016 of the present invention is not limited thereto, and one of the above three verification modules or any group thereof The operations performed together can also be done by one module.

After the verification unit 1016 completes the verification operation, the verification information is transmitted to the control unit 1015, and the control unit 1015 performs the following operations based on the verification information: the control screen displays the amount information, and transmits the transaction instruction to the smart card chip 102 or the like. Therefore, in this embodiment, the control unit 1015 may include at least the following modules:

a first control module, the first control module receives the first verification information sent by the first verification module, and controls the display screen to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip; or

a second control module, the second control module receives the second verification information sent by the second verification module, and sends the transaction instruction to the smart card chip according to the second verification information; or

a third control module, the third control module receives the third verification information sent by the third verification module, and sends the transaction instruction to the smart card chip according to the second verification information according to the third verification information; or

The fourth control module receives the first verification information sent by the first control module and the second verification information sent by the second control module, and controls the display screen to display the amount information according to the first verification information and the second verification information. Send the transaction instruction to the smart card chip; or

a fifth control module, the fifth control module receives the first verification information sent by the first control module and the third verification information sent by the third control module, and controls the display screen to display the amount information according to the first verification information and the third verification information. Send the transaction instruction to the smart card chip; or

a sixth control module, the sixth control module receives the second verification information sent by the second control module, and the third verification information sent by the third control module, and sends the transaction instruction to the smart card chip according to the second verification information and the third verification information. ; or

a seventh control module, the seventh control module receives the first verification information sent by the first control module, the second verification information sent by the second control module, and the third verification information sent by the third control module, and according to the first verification information, The second verification information and the third verification information control the display screen to display the amount information, and send the transaction instruction to the smart card chip.

Certainly, the order in which the above control module receives the verification information, and the order in which the corresponding operations are performed according to the respective verification information may be arbitrarily selected; if each control module receives the second verification information, the display screen 104 may also be controlled to display the confirmation input prompt information. In order to prompt the user to perform the confirmation operation; if each control module receives the third verification information, the display screen 104 may also be controlled to display the prompt password input information to prompt the user to input the password.

Based on the structure of the smart card shown in FIG. 1, FIG. 2 shows the smart card transaction control method of the embodiment, and the method includes:

S201, the security chip receives the transaction instruction from the card reader through the antenna;

Specifically, the security chip is connected to the antenna and the smart card chip, and is used as a transparent transmission path between the smart card chip and the antenna to receive the transaction command from the card reader. 5202, the security chip parses the transaction instruction to obtain transaction information;

Specifically, when the card swiping operation is performed, the transaction instruction from the card reader includes the transaction information, and the security chip parses the transaction command to obtain the transaction information, thereby conveniently determining the information contained in the transaction information.

5203, the security chip determines whether the transaction information includes the amount information;

Specifically, the security chip determines whether the transaction information includes the amount information. If the amount information is included, step S204 is performed. Otherwise, the transaction command is sent to the smart card chip only as a transparent transmission path between the smart card chip and the antenna.

5204, if the transaction information includes the amount information, the security chip compares the pre-stored preset threshold with the amount information;

Specifically, the security chip can determine whether the transaction belongs to a large transaction exceeding a preset threshold according to the amount information included in the transaction information. If the transaction is a large transaction, a verification operation is required to ensure the security of the large transaction.

5205, the security chip sends the transaction instruction to the smart card chip according to the comparison result;

Specifically, if the comparison result is that the amount information is less than the preset threshold, the security chip directly sends the transaction instruction from the card reader to the smart card chip; if the comparison result is that the amount information is greater than or equal to the preset threshold, the security chip performs verification. Operation, after the verification operation is completed, the transaction instruction is sent to the smart card chip.

The security chip performs the verification operation including one of the following operations or a combination of several operations:

The security chip controls the display to display the amount information; the security chip receives the confirmation command of the keyboard input; the security chip receives the password input by the keyboard, and determines that the password is correct.

That is, when comparing the transaction with a large transaction exceeding a preset threshold, the security chip can control the display to display the amount information, to provide the user to view the current amount, and send the transaction instruction to the smart card chip to complete the transaction; It can also receive the confirmation command input by the user through the keyboard. For example, the user presses the confirmation key to confirm the real transaction, and sends the transaction instruction to the smart card chip to complete the transaction, and can also receive the password input by the user through the keyboard, and judges that the password is correct. After that, the transaction command is sent to the smart card chip to complete the transaction; of course, the user can also press the cancel button in the keyboard to input a cancel command to the security chip, and the security chip instructs the smart card to cancel the transaction.

Of course, the three verification operations performed by the above security chip can be arbitrarily combined. For example, any of the following operations can be used:

(1) The security chip control display shows the amount information;

(2) The security chip receives the confirmation command of the keyboard input;

(3) The security chip receives the password entered by the keyboard and determines that the password is correct;

(4) The security chip control display shows the amount information, and receives the confirmation command of the keyboard input;

(5) The security chip receives the confirmation command of the keyboard input, and controls the display screen to display the amount information; (6) The security chip control display shows the amount information, receives the password entered by the keyboard, and determines that the password is correct;

(7) The security chip receives the password entered by the keyboard, determines that the password is correct, and controls the display screen to display the amount information;

(8) The security chip receives the confirmation command of the keyboard input, receives the password input by the keyboard, and determines that the password is correct;

(9) The security chip receives the password entered by the keyboard, determines the correct password, and receives the confirmation command from the keyboard input; (10) The security chip controls the display to display the amount information, receives the confirmation command from the keyboard input, and receives the password entered by the keyboard, and determines The password is correct;

(11) The security chip control display screen displays the amount information, receives the password entered by the keyboard, determines that the password is correct, and receives the confirmation command of the keyboard input;

(12) The security chip receives the confirmation command of the keyboard input, controls the display screen to display the amount information, receives the password input by the keyboard, and determines that the password is correct;

(13) The security chip receives the confirmation command input from the keyboard, receives the password input by the keyboard, determines that the password is correct, and controls the display screen to display the amount information;

(14) The security chip receives the password entered by the keyboard, determines that the password is correct, controls the display screen to display the amount information, and receives the confirmation command of the keyboard input;

(15) The security chip receives the password entered by the keyboard, determines that the password is correct, receives the confirmation command from the keyboard input, and controls the display to display the amount information.

Of course, if the security chip receives the confirmation command of the keyboard input, the security chip can also control the display screen to confirm the input prompt information, so as to prompt the user to confirm the operation; if the security chip receives the password input by the keyboard, the security chip can also control the display screen to display the prompt. Enter a password to prompt the user for a password.

S206. The smart card chip performs a transaction operation according to the transaction instruction.

It can be seen that, by using the smart card transaction control method of the present invention, when the card reader performs the transaction on the smart card, the card reader can compare the amount of the card reader with the pre-stored preset threshold through the security chip, thereby comparing the results. On the basis of the transaction command is sent to the smart card chip to perform the transaction operation, so that the smart card has the corresponding security protection measures, even when the large transaction is completed, the transaction security can be guaranteed.

Of course, it can be understood that, in this embodiment, the smart card may further include: a power source that supplies power to the smart card.

The smart card can also include: a USB interface, a micro USB interface, an audio interface, or an alien interface for powering through the interface or for data transfer.

The smart card security chip can also sign the transaction information and send the signed transaction information to the transaction terminal, such as a PC, a mobile phone, a notebook computer, a tablet computer, etc., thereby enabling the smart card to implement the function of the electronic signature tool. Example 2

The difference between this embodiment and the embodiment 1 is that, in this embodiment, the smart card further includes: a switch 106;

Referring to Fig. 3, the switch 106 can be disposed on the antenna to turn the antenna on or off. The security chip 101 connects the smart card chip 102 and the antenna 103, and provides an information transmission path for the smart card chip when the antenna is turned on.

Referring to FIG. 4, the switch 106 connects the antenna 103 and the security chip 101 to connect or disconnect the connection path between the antenna 103 and the security chip 101. The security chip 101 connects the smart card chip 102 and the antenna 103, and provides information for the smart card chip when the switch 106 is closed. Transmission path.

Of course, the switch 106 can be a mechanical switch. Of course, when it is a mechanical switch, the smart card can also include a switch button, and the user can close or disconnect the mechanical switch through the switch button to facilitate user operation; the switch 106 can also be an electrical switch, which is electrical. When the switch is turned on, the switch 106 is also connected to the security chip 101, and receives the control signal of the security chip 101 to be turned on or off. For example, it can be controlled by the control unit 1015 of the security chip 101, and a control unit can be separately set in the security chip 101. Control, of course, when it is an electrical switch, the smart card may also include a switch button, and the user outputs a control command to the security chip 101 through the switch button, and the security chip 101 sends a control signal according to the control command to control the switch to open or close, which is convenient for the user. operating.

Of course, the security chip 101 can also control the smart card chip to be turned on or locked, and provide an information transmission path for the smart card chip when the smart card chip is turned on. Of course, the security chip 101 can receive the control command outputted by the switch button of the smart card, and send a control signal according to the control command. To control the smart card chip to open or lock, user-friendly operation.

The smart card transaction control method of the present embodiment is different from the method of the first embodiment in that: before the step of the security chip receiving the transaction instruction from the card reader through the antenna, the method further includes:

Turn on the antenna through the switch; or

Connecting the antenna to the security chip through a switch; or

The smart card chip is turned on by the control instruction of the security chip.

After the step of executing the transaction operation by the smart card chip according to the transaction instruction, the method further includes: turning off the antenna through the switch; or

Disconnecting the antenna from the security chip through the switch; or

The smart card chip is locked by a control instruction of the security chip.

This can ensure that the user can turn off the antenna before the transaction is executed, or after the transaction is completed, or prohibit the card reader from transacting between the antenna and the smart card chip, thereby preventing the smart card from being stolen and ensuring the security of the transaction. Example 3

Compared with the embodiment 1 or the embodiment 2, the difference between the embodiment is that two threshold values are set for the security chip to compare, so that the security of the transaction can be improved step by step.

FIG. 5 illustrates the structure of the comparison unit 1014 based on the embodiment 1. The comparison unit 1014 may include:

The first comparison module 10141, the first comparison module 10141 compares the amount information is less than the first threshold, sends the first comparison information to the control unit 1015, and the control unit 1015 sends the transaction instruction to the smart card chip 102 according to the first comparison information. ;

The second comparison module 10142, the second comparison module compares the amount information to be greater than or equal to the first threshold and less than the second threshold, and sends the second comparison information to the control unit 1015, and the control unit 1015 controls the verification unit according to the second comparison information. 1016 Do the following:

The verification unit 1016 receives the confirmation command input by the keyboard 105 and transmits the first verification information to the control unit 1015. The control unit 1015 controls the display screen 104 to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip 102; or

The verification unit 1016 receives the password input by the keyboard 105, determines that the password is correct, and sends the second verification information to the control unit 1015. The control unit 1015 controls the display screen 104 to display the amount information according to the second verification information, and sends the transaction instruction to the smart card chip 102. ;

The third comparison module 10143, the third comparison module compares the amount information to be greater than or equal to the second threshold, and sends the third comparison information to the control unit 1015. The control unit 1015 performs the following operations according to the third comparison information control verification unit 1016: The verification unit 1016 receives the password input by the keyboard 105, determines that the password is correct, and sends the first verification information to the control unit 1015. The control unit 1015 controls the display screen 104 to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip 102. ; or

The verification unit 1016 receives the confirmation command input by the keyboard and sends the first verification information to the control unit 1015, receives the password input by the keyboard 105, determines that the password is correct, and sends the second verification information to the control unit 1015, and the control unit according to the first verification information and The second verification information controls the display screen 104 to display the amount information and sends the transaction instructions to the smart card chip 102.

Of course, this embodiment can also be used to describe the structure of the comparison unit based on Embodiment 2, and will not be further described herein.

In the smart card transaction control method, the step of the security chip transmitting the transaction instruction to the smart card chip according to the comparison result specifically includes the following steps:

If the comparison result is that the amount information is less than the first threshold, the security chip sends the transaction instruction to the smart card chip; If the comparison result is that the amount information is greater than or equal to the first threshold and less than the second threshold, then

The security chip control display displays the amount information, receives the confirmation command of the keyboard input, and sends the transaction instruction to the smart card chip; or

The security chip controls the display to display the amount information, receives the password entered by the keyboard, determines that the password is correct, and sends the transaction instruction to the smart card chip;

If the comparison result is that the amount information is greater than or equal to the second threshold, then

The security chip controls the display to display the amount information, receives the password entered by the keyboard, determines that the password is correct, and sends the transaction instruction to the smart card chip; or

The security chip controls the display to display the amount information, receives the confirmation command from the keyboard input, receives the password entered by the keyboard, determines that the password is correct, and sends the transaction command to the smart card chip. Example 4

Compared with the embodiment 1 or the embodiment 2, the difference between the embodiment is that three thresholds are set for the security chip to compare, so that the security of the transaction can be further improved step by step.

FIG. 6 illustrates the structure of the comparison unit 1014 based on the embodiment 1. The comparison unit 1014 may include:

The second comparison module 10142, the second comparison module 10142 compares the amount information to be greater than or equal to the first threshold and less than the second threshold, and sends the second comparison information to the control unit 1015, and the control unit 1015 controls the verification according to the second comparison information. Unit 1016 performs the following operations:

The verification unit 1016 sends the first verification information to the control unit 1015, and the control unit 1015 controls the display screen 104 to display the amount information according to the first verification information, and sends the transaction instruction to the smart card chip 102; or

The verification unit 1016 receives the confirmation command input by the keyboard 105 and transmits the second verification information to the control unit 1015. The control unit 1015 controls the display screen 104 to display the amount information according to the second verification information, and sends the transaction instruction to the smart card chip 102; or

The third comparison module 10143, the third comparison module 10143 compares the amount information to be greater than or equal to the second threshold and is less than the third threshold, and sends the third comparison information to the control unit 1015, and the control unit 1015 controls the verification according to the third comparison information. Unit 1016 performs the following operations:

The verification unit 1016 receives the password input by the keyboard 105, determines that the password is correct, and sends the third verification information to the control unit 1015. The control unit 1015 controls the display screen 104 to display the amount information according to the third verification information, and sends the transaction instruction to the smart card chip 102. ;

The fourth comparison module 10144, the fourth comparison module 10144 compares the amount information to be greater than or equal to the third threshold, and sends the fourth comparison information to the control unit 1015. The control unit 1015 performs the following operations according to the fourth comparison information control verification unit 1016. :

The verification unit 1016 receives the password input by the keyboard 105, determines that the password is correct, and sends the third verification information to the control unit 1015. The control unit 1015 controls the display screen 104 to display the amount information according to the third verification information, and sends the transaction instruction to the smart card chip 102. ; or

The verification unit 1016 receives the confirmation command input by the keyboard 105 and transmits the second verification information to the control unit 1015, receives the password input by the keyboard 105, determines that the password is correct, and transmits the third verification information to the control unit 1015, and the control unit 1015 performs the second verification according to the second verification. The information and third verification information control display screen 104 displays the amount information and sends the transaction instructions to smart card chip 102.

The security chip control display displays the amount information and sends the transaction command to the smart card chip; or

The security chip control display screen displays the amount information, receives the confirmation command of the keyboard input, and sends the transaction instruction to the smart card chip;

If the comparison result is that the amount information is greater than or equal to the second threshold and less than the third threshold, then

If the comparison result is that the amount information is greater than or equal to the third threshold, then

The security chip control display shows the amount information, receives the password entered by the keyboard, determines that the password is correct, and will pay Easy instructions are sent to the smart card chip; or

The security chip controls the display to display the amount information, receives the confirmation command from the keyboard input, receives the password entered by the keyboard, determines that the password is correct, and sends the transaction command to the smart card chip. Any process or method description in the flowcharts or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a particular logical function or process. And the scope of the preferred embodiments of the invention includes additional implementations, in which the functions may be performed in a substantially simultaneous manner or in an opposite order depending on the functions involved, in the order shown or discussed. It will be understood by those skilled in the art to which the embodiments of the present invention pertain.

It should be understood that portions of the invention may be implemented in hardware, software, firmware or a combination thereof. In the above-described embodiments, multiple steps or methods may be implemented in software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, it can be implemented with any one or combination of the following techniques well known in the art: having logic gates for implementing logic functions on data signals Discrete logic circuits, application specific integrated circuits with suitable combinational logic gates, programmable gate arrays (PGAs), field programmable gate arrays (FPGAs), etc.

One of ordinary skill in the art can understand that all or part of the steps carried by the method of implementing the above embodiments can be completed by a program to instruct related hardware, and the program can be stored in a computer readable storage medium. When executed, one or a combination of the steps of the method embodiments is included.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above integrated modules can be implemented in the form of hardware or in the form of software functional modules. The integrated modules, if implemented in the form of software functional modules and sold or used as separate products, may also be stored in a computer readable storage medium.

The above-mentioned storage medium may be a read only memory, a magnetic disk or an optical disk or the like.

In the description of the present specification, the description of the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" and the like means a specific feature described in connection with the embodiment or example. A structure, material or feature is included in at least one embodiment or example of the invention. In the present specification, the schematic representation of the above terms does not necessarily mean the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in a suitable manner in any one or more embodiments or examples. Although the embodiments of the present invention have been shown and described above, it will be understood that the above embodiments are exemplary. It is to be understood that the invention may be modified, modified, substituted and modified within the scope of the invention without departing from the spirit and scope of the invention. The scope of the invention is defined by the appended claims and their equivalents.

Claims

claims

1. A smart card transaction control method, characterized in that the method includes:

The security chip receives transaction instructions from the card reader through the antenna;

The security chip parses the transaction instructions to obtain transaction information;

The security chip determines whether the transaction information contains amount information;

If the transaction information contains the amount information, the security chip compares the pre-stored preset threshold with the amount information;

The security chip sends the transaction instruction to the smart card chip according to the comparison result;

The smart card chip performs transaction operations according to the transaction instructions.

2. The method according to claim 1, wherein the step of the security chip sending the transaction instruction to the smart card chip according to the comparison result includes:

If the comparison result is that the amount information is less than the preset threshold, the security chip sends the transaction instruction to the smart card chip;

If the comparison result is that the amount information is greater than or equal to the preset threshold, the security chip performs a verification operation, and after completing the verification operation, sends the transaction instruction to the smart card chip.

3. The method according to claim 2, wherein the verification operation performed by the security chip includes one of the following operations or a combination of several operations:

The security chip controls the display screen to display the amount information; the security chip receives confirmation instructions input from the keyboard; the security chip receives the password input from the keyboard and determines that the password is correct.

4. The method according to claim 3, characterized in that,

If the verification operation performed by the security chip includes the step of the security chip receiving a confirmation instruction input from the keyboard, then the step of performing the verification operation by the security chip further includes: the security chip controls the display screen to display confirmation input prompt information. ;

If the verification operation performed by the security chip includes the step of the security chip receiving the password input from the keyboard and judging that the password is correct, then the step of performing the verification operation by the security chip also includes: the security chip controls the display. The screen displays prompts for password input.

5. The method according to claim 1, wherein the step of the security chip sending the transaction instruction to the smart card chip according to the comparison result includes:

If the comparison result is that the amount information is less than the first threshold, the security chip sends the transaction instruction to The smart card chip;

If the comparison result is that the amount information is greater than or equal to the first threshold and less than the second threshold, the security chip controls the display screen to display the amount information, receives the confirmation instruction input from the keyboard, and sends the transaction instruction to the The smart card chip, or the security chip controls the display screen to display the amount information, receives the password input from the keyboard, determines that the password is correct, and sends the transaction instruction to the smart card chip;

If the comparison result is that the amount information is greater than or equal to the second threshold, the security chip controls the display screen to display the amount information, receives the password input from the keyboard, determines that the password is correct, and sends the transaction instruction to The smart card chip or the security chip controls the display screen to display the amount information, receives the confirmation instruction input from the keyboard, receives the password input from the keyboard, determines that the password is correct, and sends the transaction instruction to the smart card chip.

6. The method according to claim 1, wherein the step of the security chip sending the transaction instruction to the smart card chip according to the comparison result includes:

If the comparison result is that the amount information is greater than or equal to the first threshold and less than the second threshold, the security chip controls the display screen to display the amount information, and sends the transaction instruction to the smart card chip, or the The security chip controls the display screen to display the amount information, receives the confirmation instruction input from the keyboard, and sends the transaction instruction to the smart card chip;

If the comparison result is that the amount information is greater than or equal to the second threshold and less than the third threshold, the security chip controls the display screen to display the amount information, receives the confirmation instruction input from the keyboard, and sends the transaction instruction to the The smart card chip, or the security chip controls the display screen to display the amount information, receives the password input from the keyboard, determines that the password is correct, and sends the transaction instruction to the smart card chip;

If the comparison result is that the amount information is greater than or equal to the third threshold, the security chip controls the display screen to display the amount information, receives the password input from the keyboard, determines that the password is correct, and sends the transaction instruction to The smart card chip or the security chip controls the display screen to display the amount information, receives the confirmation instruction input from the keyboard, receives the password input from the keyboard, determines that the password is correct, and sends the transaction instruction to the smart card chip.

7. The method according to any one of claims 1 to 6, characterized in that, before the security chip receives the transaction instruction from the card reader through the antenna, the method further includes:

turning on the antenna via a switch; or

Connect the connection path between the antenna and the security chip through a switch; or

The smart card chip is turned on through the control instructions of the security chip.

8. The method according to any one of claims 1 to 6, characterized in that: when the smart card chip is configured according to the communication After the step of executing the transaction operation via the Yi instruction, the method further includes:

turning off said antenna by means of a switch; or

Disconnect the connection path between the antenna and the security chip through a switch; or

The smart card chip is locked through the control instructions of the security chip.

9. A smart card, characterized in that the smart card includes: a security chip, a smart card chip and an antenna; the security chip receives transaction instructions from the card reader through the antenna, and analyzes the transaction instructions to obtain transaction information; the security chip determines Whether the transaction information contains amount information, if the transaction information contains the amount information, then the security chip compares the pre-stored preset threshold with the amount information;

10. The smart card according to claim 9, characterized in that the security chip includes: a receiving unit, an analysis unit, a judgment unit, a comparison unit and a control unit;

The receiving unit receives transaction instructions from the card reader through the antenna;

The parsing unit parses the transaction instructions to obtain transaction information;

The judgment unit judges whether the transaction information contains amount information;

When the comparison unit determines that the transaction information contains the amount information, the comparison unit compares the pre-stored preset threshold with the amount information;

The control unit sends the transaction instruction to the smart card chip according to the comparison result.

11. The smart card according to claim 10, characterized in that, the security chip further includes: a verification unit; the comparison unit compares the amount information to be less than a preset threshold, and sends the first comparison information to the Control unit, the control unit sends the transaction instruction to the smart card chip according to the first comparison information;

The comparison unit compares the amount information to be greater than or equal to a preset threshold, and sends second comparison information to the control unit. The control unit controls the verification unit to perform a verification operation based on the second comparison information, After the verification unit completes the verification operation, it sends verification information to the control unit, and the control unit sends the transaction instruction to the smart card chip according to the verification information.

12. The smart card according to claim 11, wherein the smart card further includes: a display screen and/or a keyboard;

The display screen receives the display information of the security chip and displays the display information; and/or the keyboard inputs information to the security chip;

The verification unit includes at least one of the following modules or a combination of several modules:

The first verification module sends the first verification information to the control unit, and the control unit Control the display screen to display the amount information according to the first verification information;

A second verification module, the second verification module receives the confirmation instruction input from the keyboard, and sends the second verification information to the control unit according to the confirmation instruction;

The third verification module receives the password input from the keyboard, determines that the password is correct, and sends the third verification information to the control unit.

13. The smart card according to claim 12, characterized in that the control unit also controls the display screen to display confirmation input prompt information and/or controls the display screen to display prompt password input information.

14. The smart card according to claim 13, characterized in that the control unit includes:

The first control module receives the first verification information sent by the first verification module, controls the display screen to display the amount information according to the first verification information, and sends the transaction instruction. to the smart card chip; or

second control module, the second control module receives the second verification information sent by the second verification module, and sends the transaction instruction to the smart card chip according to the second verification information; or

A third control module, the third control module receives the third verification information sent by the third verification module, and sends the transaction instruction to the smart card chip according to the third verification information; or

The fourth control module receives the first verification information sent by the first verification module and the second verification information sent by the second verification module, and based on the first verification information and the second verification information controls the display screen to display the amount information, and sends the transaction instructions to the smart card chip; or

The fifth control module, the fifth control module receives the first verification information sent by the first verification module and the third verification information sent by the third verification module, and based on the first verification information and the third verification information controls the display screen to display the amount information, and sends the transaction instructions to the smart card chip; or

The sixth control module, the sixth control module receives the second verification information sent by the second verification module and the third verification information sent by the third control module, and based on the second verification information and the third verification information sends the transaction instruction to the smart card chip; or

The seventh control module receives the first verification information sent by the first verification module, the second verification information sent by the second verification module, and the third verification module. the third verification information, and control the display screen to display the amount information according to the first verification information, the second verification information and the third verification information, and send the transaction instruction to the smart card chip.

15. The smart card according to claim 10, characterized in that the comparison unit includes:

The first comparison module compares the amount information to be less than a first threshold, and sends the first comparison information to the control unit. The control unit compares the amount information according to the first comparison information. The above transaction instructions are sent to the intelligent card chip;

The second comparison module compares the amount information to be greater than or equal to the first threshold and less than the second threshold, and sends the second comparison information to the control unit. The control unit determines the amount information according to the first threshold. The second comparison information controls the verification unit to receive the confirmation instruction input from the keyboard and send the first verification information to the control unit. The control unit controls the display screen to display the amount information according to the first verification information, and displays the amount information. The transaction instructions are sent to the smart card chip; or the control unit controls the verification unit to receive the password input from the keyboard according to the second comparison information, determines that the password is correct and sends the second verification information to the control unit, the control unit controls the display screen to display the amount information according to the second verification information, and sends the transaction instruction to the smart card chip;

The third comparison module compares the amount information to be greater than or equal to the second threshold, and sends the third comparison information to the control unit. The control unit controls according to the third comparison information. The verification unit receives the password input from the keyboard, determines that the password is correct and sends the first verification information to the control unit, and the control unit controls the display screen to display the amount information based on the first verification information, and send the transaction instruction to the smart card chip, or the control unit controls the verification unit to receive the confirmation instruction input from the keyboard according to the third comparison information and sends the first verification information to the control unit , receiving the password input from the keyboard, determining that the password is correct and sending second verification information to the control unit, and the control unit controls the display screen to display the amount based on the first verification information and the second verification information. information, and sends the transaction instructions to the smart card chip.

16. The smart card according to claim 10, characterized in that the comparison unit includes:

The first comparison module compares the amount information to be less than a first threshold, and sends the first comparison information to the control unit. The control unit compares the amount information according to the first comparison information. Send the transaction instructions to the smart card chip;

The second comparison module compares the amount information to be greater than or equal to the first threshold and less than the second threshold, and sends the second comparison information to the control unit. The control unit determines the amount information according to the first threshold. The second comparison information controls the verification unit to send the first verification information to the control unit, the control unit controls the display screen to display the amount information according to the first verification information, and sends the transaction instruction to the Smart card chip; or the control unit controls the verification unit to receive the confirmation instruction input from the keyboard according to the second comparison information and sends the second verification information to the control unit, and the control unit controls the verification unit according to the second verification information. Control the display screen to display the amount information, and send the transaction instructions to the smart card chip; or

The third comparison module compares the amount information to be greater than or equal to the second threshold and less than the third threshold, and sends the third comparison information to the control unit. The control unit determines the amount information according to the third comparison module. The third comparison information controls the verification unit to receive the confirmation instruction input from the keyboard and send the second verification information to the control unit, the control unit controls the display screen to display the amount information according to the second verification information, and Send the trading instructions to the smart phone The card chip, or the control unit controls the verification unit to receive the password input from the keyboard according to the third comparison information, determines that the password is correct and sends the third verification information to the control unit, the control unit The unit controls the display screen to display the amount information according to the third verification information, and sends the transaction instruction to the smart card chip; a fourth comparison module, the fourth comparison module compares the amount information to be greater than is equal to the third threshold, and sends the fourth comparison information to the control unit. The control unit controls the verification unit to receive the password input from the keyboard according to the fourth comparison information, determines that the password is correct and sends the third The verification information is sent to the control unit, the control unit controls the display screen to display the amount information according to the third verification information, and sends the transaction instructions to the smart card chip, or the control unit controls the amount information according to the third verification information. The four comparison information controls the verification unit to receive the confirmation command input from the keyboard and send the second verification information to the control unit, receive the password input from the keyboard, determine that the password is correct and send the third verification information to The control unit controls the display screen to display the amount information according to the second verification information and the third verification information, and sends the transaction instruction to the smart card chip.

17. The smart card according to any one of claims 9 to 16, characterized in that, the smart card further includes: a switch; the switch is provided on the antenna to turn on or off the antenna;

The security chip connects the smart card chip and the antenna, and provides an information transmission path for the smart card chip when the antenna is turned on.

18. The smart card according to any one of claims 9 to 16, characterized in that, the smart card further includes: a switch; the switch connects the antenna and the security chip, and connects or disconnects the antenna and the security chip. The connection path of the security chip;

The security chip is connected to the smart card chip and provides an information transmission path for the smart card chip when the switch is closed.

19. The smart card according to claim 17 or 18, characterized in that the switch is a mechanical switch.

20. The smart card according to claim 17 or 18, characterized in that the switch is an electrical switch, the switch is also connected to the security chip, and receives the control signal of the security chip to open or close.

21. The smart card according to claim 19, wherein the smart card further includes: a switch button; the switch button closes or opens the mechanical switch.

22. The smart card according to claim 20, characterized in that, the smart card further includes: a switch button; the switch button outputs a control instruction to the security chip, and the security chip sends a control signal according to the control instruction to Control the electrical switch to open or close.

23. The smart card according to any one of claims 9 to 16, characterized in that the security chip also controls the opening or locking of the smart card chip, and provides information transmission for the smart card chip when the smart card chip is opened. path.

24. The smart card according to claim 23, characterized in that, the smart card further includes: a switch button; The switch button outputs a control instruction to the security chip, and the security chip sends a control signal according to the control instruction to control the smart card chip to be opened or locked.

25. The smart card according to any one of claims 9 to 16, characterized in that the smart card further includes: a USB interface, a micro USB interface, an audio interface or a special-shaped interface.

26. The smart card according to any one of claims 9 to 16, characterized in that the smart card further includes: a power supply to provide electrical energy for the smart card.

27. The smart card according to any one of claims 9-16, characterized in that the security chip also signs the data and sends the signed data out.