WO2015176396A1 - Intelligent card management method and system - Google Patents

Intelligent card management method and system Download PDF

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Publication number
WO2015176396A1
WO2015176396A1 PCT/CN2014/084030 CN2014084030W WO2015176396A1 WO 2015176396 A1 WO2015176396 A1 WO 2015176396A1 CN 2014084030 W CN2014084030 W CN 2014084030W WO 2015176396 A1 WO2015176396 A1 WO 2015176396A1
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WO
WIPO (PCT)
Prior art keywords
smart card
card
platform
module
making
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Application number
PCT/CN2014/084030
Other languages
French (fr)
Chinese (zh)
Inventor
姜小华
左杨眉
邓章徕
Original Assignee
中兴通讯股份有限公司
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Application filed by 中兴通讯股份有限公司 filed Critical 中兴通讯股份有限公司
Publication of WO2015176396A1 publication Critical patent/WO2015176396A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips

Definitions

  • the present invention relates to the field of communications, and in particular, to a smart card management method and system.
  • BACKGROUND With the rapid development of payment technologies, especially the rapid rise of mobile Internet services, the near-field payment methods adapted to various scenarios are developing rapidly, such as bus credit cards, supermarket credit cards, ferries, tickets, and the like. These payment methods all have one thing in common. They all use offline consumption. In different business scenarios, users need to open different types of IC card services. Each IC card opens a different wallet and needs to be recharged at different recharge points.
  • the main technical problem to be solved by the present invention is to provide a smart card management method and system.
  • an embodiment of the present invention provides a smart card management method, including: in a card making process of a smart card, a unified management platform sends a card number and a card-making key to a smart card making platform; the smart card making platform is obtained according to the The card number is used to make a smart card, and the smart card is encrypted by the card making key.
  • the smart card making platform further includes: the unified management platform sending a unified card making standard to the smart card making platform according to the obtained card number; and the smart card making platform The card is obtained according to the card number and the unified card making standard to obtain a smart card.
  • the method before the unified management platform sends the card number and the card making key to the smart card making platform, the method further includes: the smart card making platform completing registration on the unified management platform, The unified management platform configures corresponding registration information for the smart card production platform; The card making key is generated by the unified management platform according to the registration information and a card number assigned to the smart card making platform.
  • the method after the smart card making platform encrypts the smart card by using the card making key, the method further includes: creating a universal wallet in the smart card; Kind of smart card business.
  • the management method further includes: charging the universal wallet, comprising: setting an offline wallet on the short-range communication terminal; and depositing the preset amount from the unified management platform to the In the offline wallet; replenishing the universal wallet by short-distance communication through the offline wallet.
  • the short-distance communication terminal acquires a refill key of the smart card.
  • the charging of the universal wallet of the smart card by short-distance communication by using the offline wallet includes: acquiring, by the short-range communication terminal, smart card information of the smart card by short-distance communication; The distance communication terminal searches for the corresponding recharge key according to the obtained smart card information; the short-distance communication terminal recharges the smart card by issuing a refill instruction to the smart card according to the obtained recharge key and the recharge amount input by the user.
  • the embodiment of the present invention further provides a smart card management system, including a unified management platform and a smart card production platform: the unified management platform includes a smart card production platform management module, and is set in the process of manufacturing the smart card.
  • the smart card making platform sends a card number and a card-making key; the smart card making platform includes a card-making module and a card-issuing processing module, and the card-making module is configured to obtain a smart card according to the card number, and the card-issuing processing module is configured to utilize the The card key is used to encrypt the smart card.
  • the unified management platform further includes a unified standard management module, configured to send a unified card manufacturing standard to the smart card making platform before the card making module obtains the smart card according to the card number The card making module performs card making according to the card number and the unified card making standard to obtain a smart card.
  • the smart card creation platform management module is further configured to perform registration with the smart card creation platform before sending the card number and the card making key to the smart card making platform, and the smart card is The registration information corresponding to the platform configuration is generated; the card-making key is generated by the smart card creation platform management module according to the registration information and a card number allocated for the smart card creation platform.
  • the smart card making platform further includes a wallet creating module, configured to: after the card issuing processing module encrypts the smart card by using the card making key, in the smart card A universal wallet is created, and the universal wallet corresponds to a plurality of smart card services.
  • the management system further includes a short-range communication terminal, where the short-range communication terminal includes an offline wallet setting module, a payment management module, a smart card processing module, and a short-range communication module;
  • the platform further includes a financial management module;
  • the offline wallet setting module is configured to set an offline wallet on the short-range communication terminal;
  • the payment management module is configured to reserve a preset amount from the financial management module to the offline wallet
  • the smart card processing module is configured to recharge the universal wallet by using the short distance communication provided by the short distance communication module by the offline wallet.
  • the short-range communication terminal further includes a key management module, configured to acquire a recharge of the smart card before the smart card processing module recharges the universal wallet by using the offline wallet Key.
  • the smart card processing module includes a card information acquisition sub-module, a key search sub-module, and a recharge sub-module; and the card information acquisition sub-module is configured to acquire the location by using the short-range communication module.
  • Card information of the smart card is configured to search for a corresponding refill key according to the card information;
  • the recharge sub-module is configured to recharge the universal wallet by issuing a refill instruction to the smart card according to the recharge key and the recharge amount input by the user.
  • the beneficial effects of the present invention are:
  • the smart card management method and system provided by the present invention in the card making process of the smart card, the unified management platform sends the card number and the card-making key to the smart card making platform; the smart card making platform obtains the smart card according to the obtained card number And encrypting the smart card with the card-making key. That is, in the present invention, the card issuance process has been completed using the card making key in the production process of the smart card. After the smart card is shipped from the factory, it is no longer necessary to go to the designated operator to process the card issuance process, so it can be purchased as a common commodity (for example, it can be sold at various convenience stores). After the user purchases, the user can directly recharge the card, which greatly enhances the smart card. The ease of use increases the satisfaction of the user's payment experience.
  • FIG. 2 is a schematic structural diagram of a smart card management system according to Embodiment 1 of the present invention
  • FIG. 2 is a schematic structural diagram 1 of a unified management platform according to Embodiment 1 of the present invention
  • FIG. 3 is a smart card manufacturing platform according to Embodiment 1 of the present invention
  • FIG. 4 is a schematic structural diagram 2 of a unified management platform according to Embodiment 1 of the present invention
  • FIG. 5 is a schematic structural diagram 2 of a smart card manufacturing platform according to Embodiment 1 of the present invention
  • FIG. 6 is a schematic diagram of Embodiment 1 of the present invention
  • FIG. 7 is a schematic structural diagram of a smart card management system according to an embodiment of the present invention
  • FIG. 1 is a smart card management platform according to Embodiment 1 of the present invention
  • FIG. 3 is a smart card manufacturing platform according to Embodiment 1 of the present invention
  • FIG. 4 is a schematic structural diagram 2 of a unified management platform according to Em
  • FIG. 8 is a schematic flowchart of a smart card management method according to an embodiment of the present invention
  • FIG. 9 is a schematic flowchart of a smart card management method according to an embodiment of the present invention
  • FIG. 10 is a schematic flowchart of a smart card card-making process according to Embodiment 2 of the present invention
  • FIG. 11 is a schematic diagram of a smart card binding process according to Embodiment 2 of the present invention
  • the schematic diagram of the online recharge process of the smart card provided by the second.
  • the unified management platform is mainly used to implement a smart card.
  • the unified management including the management of the card making process of the smart card and the management during the subsequent use;
  • the smart card production platform is mainly set up in the card maker, and is mainly used to complete the production of the smart card according to the requirements of the unified management platform, the production includes the card
  • the manufacturing process, the processing of the card issuance process, and the creation of the wallet in the smart card (the smart card in this embodiment refers to various IC cards with offline wallets);
  • the unified encryption center is mainly used to manage various keys of the smart card (including Management of card-making keys, recharge keys, etc.).
  • the unified management platform in this embodiment includes a smart card creation platform management module, and is configured to send a card number and a card-making key to the smart card production platform during the production process of the smart card;
  • the smart card creation platform management module in the example may also be configured to manage the smart card creation platform, and only send the card number and the card-making key to the smart card creation platform registered to it.
  • the smart card creation platform in this embodiment includes a card making module and a card issuing processing module.
  • the card making module is configured to obtain a smart card according to the card number sent by the unified management platform, and the card issuing processing module is configured to use the card making key pair.
  • the smart card performs encryption processing, that is, completes the processing of the card issuance process. Therefore, after the smart card is shipped, it is no longer necessary to go to the designated operator to process the card issuance process.
  • the smart card can be purchased as a common commodity (for example, it can be sold at various convenience stores), and the user can directly perform recharge after purchase, which greatly improves the user's purchase.
  • the convenience of using smart cards increases the satisfaction of the user's payment experience.
  • the unified management platform in this embodiment further includes a unified standard management module, and is configured to send a unified card to the smart card production platform before the card making module of the smart card making platform obtains the smart card according to the obtained card number.
  • the card making module obtains the smart card according to the previously obtained card number and the unified card making standard.
  • each card manufacturer completes the production of the smart card according to the unified card manufacturing standard issued by the unified management platform, thereby shielding the difference between the various smart cards; making the obtained smart card a universal card.
  • the smart card provided by the solution can be used for payment, and the versatility is better. Different operators no longer need to repeatedly set up card issuing outlets and recharge outlets and credit card machines in a unified location, which greatly reduces the construction cost of smart cards and the cost of users, and can further improve the satisfaction of user experience.
  • the smart card creation platform management module in this embodiment is further configured to interact with the smart card creation platform before sending the card number and the card making key to the smart card creation platform.
  • Registering, and configuring the corresponding user information (the user information is the user information registered by the card maker) and the registration information for the registered smart card creation platform (the registration information is a configuration letter specifically allocated for the card maker)
  • the unified management platform only delivers the corresponding card number and card-making key for the validly-registered smart card creation platform; the card number issued in this embodiment is a unified management platform.
  • the card-making key is distributed by the unified management platform according to the registration information of each smart card making platform and the card number assigned to the smart card making platform according to a certain algorithm.
  • One of the card numbers corresponds to one card key, and the card key of each card number is different.
  • the present embodiment also creates a wallet for the obtained smart card.
  • the smart card creation platform in the embodiment further includes a wallet creation module, which is set to After the card processing module encrypts the smart card by using the card making key, a universal wallet is created in the smart card, and the universal wallet can correspond to a plurality of smart card services.
  • the universal wallet in the smart card needs to be recharged.
  • the present embodiment provides a recharging of the smart card by using a short-range communication terminal, as shown in FIG. 6.
  • the short-distance communication terminal in this embodiment refers to a mobile terminal such as a mobile phone or a tablet having a short-distance communication method such as FC or Bluetooth. Similarly, a similar fixed terminal can also be used.
  • the short-distance communication terminal provided in this embodiment can not only recharge the smart card online, but also realize the offline recharge of the smart card by using the offline wallet on the short-distance communication terminal in the no-mobile network environment, so when the smart card has the universal wallet balance Insufficient, the user does not need to complete the recharge to the designated network, and the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card.
  • the present invention will be further described below in conjunction with a short-range communication terminal. Referring to FIG.
  • the short-range communication terminal in this embodiment includes an offline wallet setting module, a payment management module, a smart card processing module, a card binding module, a account management module, a security module, and a short-range communication module;
  • the management platform further includes a permission module, a card management module, a financial management module, an APP access module, a security authentication module, and an external interface module; wherein: the offline wallet setting module of the short-range communication terminal is configured to set an offline wallet on the short-distance communication terminal
  • the payment management module of the short-distance communication terminal is set to store a certain amount from the financial management module of the unified management platform to the offline wallet, so as to be used for subsequent offline charging of the smart card; when online recharge is used, the payment management module further It is set to directly deposit a certain amount from the financial management module of the unified management platform into the universal wallet of the smart card, and specifically refers to sending the card information and the storage request to the financial management module, receiving the storage response fed back by the financial management module and
  • the financial management module is set to manage the user's fund account, each user includes at least one fund account, the fund account can be obtained when the user registers;
  • the security authentication module is set to Unite The encryption center is connected to complete the acquisition of the relevant key (including the work key, the recharge key) and the security of the management key, and the security of the obtained key is generally ensured by the temporary session key;
  • the APP access module is configured to be connected to the short-range communication terminal, receive the service information (including the circle request, the query request, and the like) sent by the short-range communication terminal, and forward the response information to the short-distance communication terminal; the external interface module is set to be external
  • the system is connected, including banks, UnionPay, third-party payment systems, etc., to realize the functions of transfer, transfer, settlement, and reconciliation of funds. It can be seen that the short-distance communication terminal provided by the embodiment can not only perform online charging for the smart card, but also can use the offline wallet on the short-distance communication terminal to perform offline charging of the smart card in the no-mobile network environment, so the smart card wallet is used.
  • the short-range communication terminal may further include a key management module, configured to acquire a refill key of the smart card before the smart card processing module recharges the universal wallet through the offline wallet.
  • the key management module may obtain the card information from the smart card according to the card information of the smart card when the online card is recharged by the online recharge function, or directly through the online query, and save it locally; of course It is also not excluded that the user directly sets the recharge key of each smart card on the key management module.
  • the smart card processing module After the key management module acquires and stores the key of the smart card, the smart card processing module performs offline charging for the smart card by using the offline wallet of the short-distance communication terminal as follows:
  • the smart card processing module includes a card information acquisition sub-module and a key search sub-module.
  • the card information acquisition sub-module obtains card information of the smart card by short-distance communication provided by the short-distance communication module; when the short-distance communication provided by the short-distance communication module is FC communication, the smart card touches short-distance communication The terminal, the short-distance communication module identifies the smart card, and obtains corresponding card information; when the short-distance communication provided by the short-distance communication module is Bluetooth communication, the smart card functions as a slave device, the short-range communication terminal functions as a master device, and the short-range communication terminal and The smart card performs non-contact pairing to complete the information interaction; the key search sub-module finds the corresponding recharge key from the key management module according to the card information of the smart card; the recharge sub-module is set to the recharge value found by the key search sub-module.
  • the recharge amount of the credit card is sent to the smart card to complete the refill of the smart wallet.
  • it can be set that the offline wallet on the short-distance communication terminal is used for offline charging of the smart card only when the short-distance communication terminal is in the environment without the mobile network, so as to improve the practicality of the offline recharge function.
  • the short-distance communication terminal in this embodiment may further include an environment determining module, configured to determine whether the short-distance communication terminal is currently in a no-mobile network environment before the smart card processing module recharges the smart card through the offline wallet; if yes, the smart card is allowed The processing module recharges the smart card through the offline wallet; otherwise, the smart card processing module is notified to recharge the smart card through the online recharge function instead of the offline recharge function.
  • Embodiment 2 This embodiment provides a smart card management method. For details, refer to FIG. 8. The method includes the following steps: Step 801: During the card making process of the smart card, the unified management platform sends the card number and the card-making key to the smart card making platform.
  • Step 802 The smart card making platform obtains the smart card according to the obtained card number;
  • Step 803 the smart card making platform encrypts the smart card by using the card making key;
  • Step 804 The smart card making platform creates a universal wallet in the smart card;
  • the wallet corresponds to a variety of smart card services, for example, it can correspond to bus credit card, time-out credit card, ticket, ferry and other services. It can be seen that, with the solution of the embodiment, the process of issuing the card and the wallet is completed before the smart card is shipped from the factory.
  • the smart card making platform obtains the smart card according to the obtained card number, and further includes: the unified management platform sends the unified card making standard to the smart card making platform; thus, each card manufacturer has a unified card issued according to the unified management platform.
  • the standard completes the production of the smart card, which in turn shields the differences between the various smart cards; making the resulting smart card a universal card.
  • the smart card provided by the solution can be used for payment, and the versatility is better. Different operators no longer need to repeatedly set up card issuing outlets and recharge outlets and credit card machines in a unified location, which greatly reduces the construction cost of smart cards and the cost of users, and can further improve the satisfaction of user experience.
  • the smart card production platform in order to achieve better management of the card maker, before the unified management platform sends the card number and the card making key to the smart card making platform, the smart card production platform also completes registration on the unified management platform, and unified management The platform configures the corresponding user information and registration information for the smart card creation platform; and then, in the subsequent management process of the card maker, the unified management platform delivers the corresponding card number and the card-making key only for the validly-registered smart card creation platform.
  • the card number issued in this embodiment is allocated by the unified management platform for each smart card making platform according to certain rules, and the card-making key is the unified management platform for the registration information according to each smart card making platform and allocated for the smart card making platform.
  • the card number is generated according to a certain algorithm.
  • the short-distance communication terminal in addition to providing a traditional recharge to a corresponding recharge point, the short-distance communication terminal is used to implement recharging of the smart card.
  • the short-distance communication terminal in this embodiment refers to a short-distance communication method such as FC and Bluetooth.
  • Mobile terminals such as mobile phones and tablets, of course, similar fixed terminals can also be used.
  • the short-distance communication terminal provided in this embodiment can not only recharge the smart card online, but also realize the offline recharge of the smart card by using the offline wallet on the short-distance communication terminal in the no-mobile network environment, so when the smart card has the universal wallet balance Insufficient, the user does not need to complete the recharge to the designated network, and the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card.
  • the present invention will be further described below in conjunction with the offline recharge function of the short-range communication terminal. Referring to FIG.
  • the method includes: Step 901: setting an offline wallet on a short-distance communication terminal; the short-distance communication terminal in this embodiment may be a mobile phone, a tablet, or the like having short-distance communication functions such as FC and Bluetooth; Step 902: Storing the preset amount from the financial system into the offline wallet of the short-distance communication terminal; Step 903: recharging the universal wallet of the smart card by short-distance communication through the offline wallet on the short-distance communication terminal.
  • the short-distance communication terminal can directly deposit the corresponding amount from the financial system into the universal wallet of the smart card through the online recharge function.
  • the short-distance communication function provided by the short-distance communication module reads the card information of the smart card, sends the card information to the financial system, and simultaneously sends a request for depositing a certain amount to the smart card to the financial system; Then, the response of the financial system is received, and the corresponding recharge instruction is sent to the smart card according to the response to complete the refilling of the smart card.
  • the method before the offline wallet of the short-distance communication terminal uses the short-distance communication to recharge the universal wallet of the smart card, the method further includes: acquiring, by the short-range communication terminal, the refill key of the smart card.
  • the short-distance communication terminal may obtain the card information from the smart card according to the card information of the smart card when the online card is recharged by the online recharge function, or directly through the online query, and save it locally; Of course, it is not excluded that the user directly sets the recharge key of each smart card on the short-distance communication terminal.
  • the offline recharge function provided by the short-distance communication terminal can be used to perform offline recharging of the smart card only in the no-mobile network environment. At this time, before the smart card is recharged by short-distance communication through the offline wallet.
  • the method further includes determining whether the short-distance communication terminal is in a no-mobile network environment, and if so, recharging the smart card by short-distance communication through the offline wallet; otherwise, using the online recharge function of the short-distance communication terminal to recharge the smart card.
  • the offline wallet of the short-distance communication terminal and the recharging of the smart card by short-distance communication include: the short-distance communication terminal acquires the card information of the smart card by short-distance communication; the short-distance communication terminal searches for the corresponding recharge key according to the acquired card information; The short-distance communication terminal issues a refilling instruction to the smart card according to the obtained recharge key and the recharge amount input by the user to complete the refill of the smart card wallet.
  • the card making process of the card manufacturer is as follows: Step 1001: Before the card maker makes the card, the smart card creation platform is used to register on the unified management platform to generate related login users and registration information; Step 1002: After the registration is successful, the unified management platform allocates the card number and the card-making key to the smart card making platform, and issues a unified card-making standard; the card-making key is obtained by the unified management platform and is connected to the unified encryption center from the unified encryption center.
  • Step 1003 the card-making company makes the card according to the obtained card-making standard and the card number, and fills the obtained card-making key into the obtained smart card, and in the smart card Create a universal wallet;
  • Step 1004 The card is complete.
  • 11 is a flow chart of the smart card binding provided by this embodiment. The main process is as follows: Step 1101: The user registers on the unified management platform, including the registration of the user account information, and the APP on the short-distance communication terminal is on the unified management platform.
  • Step 1102 The unified management platform feeds back the relevant work key and the recharge key of the smart card to the short-distance communication terminal, and the key is encrypted by the temporary session key;
  • Step 1103 The short-distance communication terminal reads through the card binding module Card information, including the card number;
  • Step 1104 The short-distance communication terminal is sent to the unified management platform by using the security module encryption card number;
  • Step 1105 The unified management platform is connected to the unified encryption center to decrypt the information sent by the short-distance communication terminal, and obtain the card number and The user's account is bound.
  • FIG. 12 is a flowchart of the online recharge of the user's arrears provided by the embodiment.
  • Step 1201 When the user pays the arrears, the short-distance communication terminal reads the card number and sends a request for the circle to the unified management platform;
  • Step 1202 The unified management platform checks the validity of the card, the account, and the short-range communication terminal, and determines whether the storage condition is satisfied (for example, whether the account balance is sufficient, etc.);
  • Step 1203 The unified management platform responds to the storage request, and feeds back the corresponding response.
  • Step 1204 The short-distance communication terminal decrypts the ciphertext after receiving the response ciphertext;
  • Step 1205 The short-distance communication terminal analyzes the decrypted instruction, encrypts the command with the relevant recharge key, and then passes the short distance The communication module sends a smart card to the smart card to complete the recharge.
  • the processing flow of the card issuance and the wallet creation that has been completed before the smart card is shipped from the factory therefore, after the smart card is shipped, the processing of the card issuance process is no longer required to be performed by the designated operator, and the smart card can be used as Ordinary goods can be purchased anywhere (for example, can be sold at various convenience stores), and users can directly recharge after purchase, which greatly improves the convenience of using the smart card, thereby increasing the satisfaction of the user's payment experience.
  • the smart card can be recharged based on the short-distance communication module of the short-distance communication terminal (for example, a mobile phone with a FC, Bluetooth communication function, a tablet, etc.), and when the balance of the smart card is insufficient, the short-distance communication terminal can be immediately used as a smart card.
  • the short-distance communication module of the short-distance communication terminal for example, a mobile phone with a FC, Bluetooth communication function, a tablet, etc.
  • the recharging is more convenient for the user to use; at the same time, the invention deploys the offline wallet on the short-distance communication terminal, and pre-stores a certain amount from the financial system to the offline wallet; therefore, when the data of the short-distance communication terminal is abnormal, The credit card can still be recharged through the offline wallet of the short-distance communication terminal; the satisfaction of the user experience can be further improved; in addition, with the solution of the invention, the user can directly recharge the smart card through the short-distance communication terminal, so Reducing the construction of physical outlets, especially reducing the repeated deployment of network outlets and card-swapping terminals by different operators, can reduce the construction of operators and the cost of users.
  • the smart card management solution provided by the present invention in the card making process of the smart card, the unified management platform sends the card number and the card-making key to the smart card making platform; the smart card making platform obtains the smart card according to the obtained card number, and uses the card-making key The key encrypts the smart card. That is, in the present invention, the card issuance process has been completed using the card making key in the production process of the smart card.
  • the smart card After the smart card is shipped from the factory, it is no longer necessary to go to the designated operator to process the card issuance process. Therefore, it can be purchased as a common commodity (for example, it can be sold at various convenience stores). After the user purchases, it can be directly used for recharging, which greatly enhances the smart card. The ease of use increases the satisfaction of the user's payment experience.

Abstract

Disclosed are an intelligent card management method and system. During an intelligent card making process, a unified management platform sends a card number and a card making key to an intelligent card making platform; and the intelligent card making platform makes an intelligent card according to the acquired card number and encrypts the intelligent card by using the card making key. That is to say, the card issuing procedure is completed by using the card making key during the intelligent card making process in the present invention. The card issuing procedure does not need to be performed at a designated operator after the intelligent card leaves the factory. Therefore, the intelligent card can be purchased anywhere as a common commodity, and can be directly recharged and used after being purchased by a user, so that the convenience of using the intelligent card is greatly improved, and satisfaction in user experience of payment is improved.

Description

智能卡管理方法和系统 技术领域 本发明涉及通信领域， 具体涉及一种智能卡管理方法和系统。 背景技术 随着支付技术快速发展， 特别是移动互联网业务快速崛起的今天， 适应各种场景 的近场支付方式发展迅猛， 比如公交刷卡、 超市刷卡、 轮渡、 门票等。 这些支付方式 都有一个共同点， 都采用离线消费， 且不同业务场景下， 用户都需要开通不同种类的 IC卡业务， 每张 IC卡开通不同的钱包， 需要到不同的充值点进行充值。 用户要使用 支付业务则需要相应的运营商先进行发卡流程处理， 然后再到具体网点充值， 且用户 只能到相应的运营商和服务提供商处获取卡片， 是用户的使用非常不便利， 极大地降 低了用户体验的满意度。 发明内容 本发明要解决的主要技术问题是， 提供一种智能卡管理方法和系统。 为解决上述技术问题， 本发明实施例提供一种智能卡管理方法， 包括： 在智能卡的制卡过程中， 统一管理平台向智能卡制作平台发送卡号和制卡密钥； 所述智能卡制作平台根据获取的卡号制得智能卡， 并利用所述制卡密钥对该智能 卡进行加密处理。 在本发明的一种实施例中， 所述智能卡制作平台根据获取的卡号制得制得智能卡 之前还包括： 所述统一管理平台向所述智能卡制作平台发送统一制卡标准； 所述智能卡制作平台根据所述卡号和所述统一制卡标准进行制卡得到智能卡。 在本发明的一种实施例中， 所述统一管理平台向所述智能卡制作平台发送卡号和 制卡密钥之前， 还包括： 所述智能卡制作平台在所述统一管理平台上完成注册， 所述统一管理平台为所述 智能卡制作平台配置对应的注册信息； 所述制卡密钥为所述统一管理平台根据所述注册信息以及为所述智能卡制作平台 分配的卡号所生成的。 在本发明的一种实施例中， 所述智能卡制作平台利用所述制卡密钥对所述智能卡 进行加密处理后， 还包括： 在所述智能卡中创建一个通用钱包； 所述通用钱包对应多种智能卡业务。 在本发明的一种实施例中， 所述管理方法还包括为所述通用钱包充值， 其包括： 在短距离通信终端上设置离线钱包； 从所述统一管理平台圈存预设金额到所述离线钱包中； 通过所述离线钱包利用短距离通信为所述通用钱包充值。 在本发明的一种实施例中， 通过所述离线钱包利用短距离通信为所述智能卡的通 用钱包充值之前， 还包括： 所述短距离通信终端获取所述智能卡的充值密钥。 在本发明的一种实施例中， 通过所述离线钱包利用短距离通信为所述智能卡的通 用钱包充值包括： 所述短距离通信终端通过短距离通信获取所述智能卡的智能卡信息； 所述短距离通信终端根据获取的智能卡信息查找对应的充值密钥； 所述短距离通信终端根据获取的充值密钥以及用户输入的充值金额向所述智能卡 下发充值指令为所述智能卡充值。 为了解决上述问题， 本发明实施例还提供了一种智能卡管理系统， 包括统一管理 平台、 智能卡制作平台： 所述统一管理平台包括智能卡制作平台管理模块，设置为在智能卡的制作过程中， 向所述智能卡制作平台发送卡号和制卡密钥； 所述智能卡制作平台包括制卡模块和发卡处理模块， 所述制卡模块设置为根据所 述卡号制得智能卡， 所述发卡处理模块设置为利用所述制卡密钥对所述智能卡进行加 密处理。 在本发明的一种实施例中， 所述统一管理平台还包括统一标准管理模块， 设置为 在所述制卡模块根据所述卡号制得智能卡之前， 向所述智能卡制作平台发送统一制卡 标准； 所述制卡模块根据所述卡号和所述统一制卡标准进行制卡得到智能卡。 在本发明的一种实施例中， 所述智能卡制作平台管理模块还设置为向所述智能卡 制作平台发送卡号和制卡密钥之前， 与所述智能卡制作平台交互完成注册， 以及为所 述智能卡制作平台配置对应的注册信息； 所述制卡密钥为所述智能卡制作平台管理模块根据所述注册信息以及为所述智能 卡制作平台分配的卡号所生成的。 在本发明的一种实施例中， 所述智能卡制作平台还包括钱包创建模块， 设置为在 所述发卡处理模块利用所述制卡密钥对所述智能卡进行加密处理后， 在所述智能卡中 创建一个通用钱包， 所述通用钱包对应多种智能卡业务。 在本发明的一种实施例中， 所述管理系统还包括短距离通信终端， 所述短距离通 信终端包括离线钱包设置模块、 支付管理模块、 智能卡处理模块和短距离通信模块； 所述统一管理平台还包括财务管理模块； 所述离线钱包设置模块设置为在所述短距离通信终端上设置离线钱包； 所述支付管理模块设置为从所述财务管理模块圈存预设金额到所述离线钱包中； 所述智能卡处理模块设置为通过所述离线钱包利用所述短距离通信模块提供的短 距离通信为所述通用钱包充值。 在本发明的一种实施例中， 所述短距离通信终端还包括密钥管理模块， 设置为在 所述智能卡处理模块通过所述离线钱包为所述通用钱包充值之前， 获取所述智能卡的 充值密钥。 在本发明的一种实施例中， 所述智能卡处理模块包括卡片信息获取子模块、 密钥 查找子模块以及充值子模块； 所述卡片信息获取子模块设置为通过所述短距离通信模块获取所述智能卡的卡片 信息； 所述密钥查找子模块设置为根据所述卡片信息查找对应的充值密钥; 所述充值子模块设置为根据所述充值密钥以及用户输入的充值金额向所述智能卡 下发充值指令为所述通用钱包充值。 本发明的有益效果是： 本发明提供的智能卡管理方法和系统， 在智能卡的制卡过程中， 统一管理平台向 智能卡制作平台发送卡号和制卡密钥； 智能卡制作平台根据获取的卡号制得智能卡， 并利用制卡密钥对该智能卡进行加密处理。 也即， 在本发明中， 在智能卡的制作过程 中就已经利用制卡密钥完成了发卡流程。 在智能卡出厂之后， 则不再需要到指定的运 营商进行发卡流程的处理， 因此可以作为普通商品随处购买 （例如可以在各便利店出 售）， 用户购买后可直接进行充值使用， 大大提升了智能卡使用的便捷性， 进而提升了 用户支付体验的满意度。 附图说明 The present invention relates to the field of communications, and in particular, to a smart card management method and system. BACKGROUND With the rapid development of payment technologies, especially the rapid rise of mobile Internet services, the near-field payment methods adapted to various scenarios are developing rapidly, such as bus credit cards, supermarket credit cards, ferries, tickets, and the like. These payment methods all have one thing in common. They all use offline consumption. In different business scenarios, users need to open different types of IC card services. Each IC card opens a different wallet and needs to be recharged at different recharge points. If the user wants to use the payment service, the corresponding operator needs to process the card issuance process first, and then recharges to the specific network point, and the user can only obtain the card from the corresponding operator and service provider, which is very inconvenient for the user to use. The earth reduces the satisfaction of the user experience. SUMMARY OF THE INVENTION The main technical problem to be solved by the present invention is to provide a smart card management method and system. To solve the above technical problem, an embodiment of the present invention provides a smart card management method, including: in a card making process of a smart card, a unified management platform sends a card number and a card-making key to a smart card making platform; the smart card making platform is obtained according to the The card number is used to make a smart card, and the smart card is encrypted by the card making key. In an embodiment of the present invention, the smart card making platform further includes: the unified management platform sending a unified card making standard to the smart card making platform according to the obtained card number; and the smart card making platform The card is obtained according to the card number and the unified card making standard to obtain a smart card. In an embodiment of the present invention, before the unified management platform sends the card number and the card making key to the smart card making platform, the method further includes: the smart card making platform completing registration on the unified management platform, The unified management platform configures corresponding registration information for the smart card production platform; The card making key is generated by the unified management platform according to the registration information and a card number assigned to the smart card making platform. In an embodiment of the present invention, after the smart card making platform encrypts the smart card by using the card making key, the method further includes: creating a universal wallet in the smart card; Kind of smart card business. In an embodiment of the present invention, the management method further includes: charging the universal wallet, comprising: setting an offline wallet on the short-range communication terminal; and depositing the preset amount from the unified management platform to the In the offline wallet; replenishing the universal wallet by short-distance communication through the offline wallet. In an embodiment of the present invention, before the charging of the universal wallet of the smart card by using the short-distance communication, the short-distance communication terminal acquires a refill key of the smart card. In an embodiment of the present invention, the charging of the universal wallet of the smart card by short-distance communication by using the offline wallet includes: acquiring, by the short-range communication terminal, smart card information of the smart card by short-distance communication; The distance communication terminal searches for the corresponding recharge key according to the obtained smart card information; the short-distance communication terminal recharges the smart card by issuing a refill instruction to the smart card according to the obtained recharge key and the recharge amount input by the user. In order to solve the above problem, the embodiment of the present invention further provides a smart card management system, including a unified management platform and a smart card production platform: the unified management platform includes a smart card production platform management module, and is set in the process of manufacturing the smart card. The smart card making platform sends a card number and a card-making key; the smart card making platform includes a card-making module and a card-issuing processing module, and the card-making module is configured to obtain a smart card according to the card number, and the card-issuing processing module is configured to utilize the The card key is used to encrypt the smart card. In an embodiment of the present invention, the unified management platform further includes a unified standard management module, configured to send a unified card manufacturing standard to the smart card making platform before the card making module obtains the smart card according to the card number The card making module performs card making according to the card number and the unified card making standard to obtain a smart card. In an embodiment of the present invention, the smart card creation platform management module is further configured to perform registration with the smart card creation platform before sending the card number and the card making key to the smart card making platform, and the smart card is The registration information corresponding to the platform configuration is generated; the card-making key is generated by the smart card creation platform management module according to the registration information and a card number allocated for the smart card creation platform. In an embodiment of the present invention, the smart card making platform further includes a wallet creating module, configured to: after the card issuing processing module encrypts the smart card by using the card making key, in the smart card A universal wallet is created, and the universal wallet corresponds to a plurality of smart card services. In an embodiment of the present invention, the management system further includes a short-range communication terminal, where the short-range communication terminal includes an offline wallet setting module, a payment management module, a smart card processing module, and a short-range communication module; The platform further includes a financial management module; the offline wallet setting module is configured to set an offline wallet on the short-range communication terminal; the payment management module is configured to reserve a preset amount from the financial management module to the offline wallet The smart card processing module is configured to recharge the universal wallet by using the short distance communication provided by the short distance communication module by the offline wallet. In an embodiment of the present invention, the short-range communication terminal further includes a key management module, configured to acquire a recharge of the smart card before the smart card processing module recharges the universal wallet by using the offline wallet Key. In an embodiment of the present invention, the smart card processing module includes a card information acquisition sub-module, a key search sub-module, and a recharge sub-module; and the card information acquisition sub-module is configured to acquire the location by using the short-range communication module. Card information of the smart card; the key search submodule is configured to search for a corresponding refill key according to the card information; The recharge sub-module is configured to recharge the universal wallet by issuing a refill instruction to the smart card according to the recharge key and the recharge amount input by the user. The beneficial effects of the present invention are: The smart card management method and system provided by the present invention, in the card making process of the smart card, the unified management platform sends the card number and the card-making key to the smart card making platform; the smart card making platform obtains the smart card according to the obtained card number And encrypting the smart card with the card-making key. That is, in the present invention, the card issuance process has been completed using the card making key in the production process of the smart card. After the smart card is shipped from the factory, it is no longer necessary to go to the designated operator to process the card issuance process, so it can be purchased as a common commodity (for example, it can be sold at various convenience stores). After the user purchases, the user can directly recharge the card, which greatly enhances the smart card. The ease of use increases the satisfaction of the user's payment experience. DRAWINGS
S i为本发明实施例-一提供的智能卡管理系统结构示意图一； 图 2为本发明实施例-一提供的统一管理平台结构示意图一； 图 3为本发明实施例-一提供的智能卡制作平台结构示意图一； 图 4为本发明实施例-一提供的统一管理平台结构示意图二； 图 5为本发明实施例-一提供的智能卡制作平台结构示意图二； 图 6为本发明实施例-一提供的智能卡管理系统结构示意图二； 图 7为本发明实施例-一提供的智能卡管理系统结构示意图三； 图 8为本发明实施例:二提供的智能卡管理方法流程示意图； 图9为本发明实施例:二提供的智能卡离线充值方法流程示意图; 图 10为本发明实施例二提供的智能卡制卡流程示意图； 图 11为本发明实施例二提供的智能卡绑定流程示意图； 图 12为本发明实施例二提供的智能卡在线充值流程示意图。 具体实施方式 下面通过具体实施方式结合附图对本发明作进一步详细说明。 实施例一： 请参见图 1所示， 该图所示为本实施例提供的智能卡管理系统， 其包括统一管理 平台、 智能卡制作平台、 统一加密中心， 其中， 统一管理平台主要用于实现对智能卡 的统一管理， 包括智能卡的制卡过程的管理以及后续使用过程中的管理； 智能卡制作 平台则主要设置于制卡商方， 主要用于根据统一管理平台的要求完成智能卡的制作， 该制作包括卡片的制得、 发卡流程的处理以及智能卡 （本实施例中的智能卡是指设有 离线钱包的各种 IC卡）中钱包的创建； 统一加密中心则主要用于管理智能卡的各种密 钥 （包括制卡密钥、 充值密钥等） 的管理。 具体的， 请参见图 2所示， 本实施例中的 统一管理平台包括智能卡制作平台管理模块， 设置为在智能卡的制作过程中， 向智能 卡制作平台发送卡号和制卡密钥； 其中， 本实施例中的智能卡制作平台管理模块还可 设置为对智能卡制作平台进行管理， 只向向其注册过的智能卡制作平台发送卡号和制 卡密钥。请参见图 3所示，本实施例中智能卡制作平台包括制卡模块和发卡处理模块， 制卡模块设置为根据统一管理平台发送的卡号制得智能卡， 发卡处理模块设置为利用 制卡密钥对智能卡进行加密处理， 也即完成发卡流程的处理。因此在智能卡出厂之后， 不再需要到指定的运营商进行发卡流程的处理， 该智能卡可以作为普通商品随处购买 (例如可以在各便利店出售），用户购买后可直接进行充值使用，大大提升了智能卡使 用的便捷性， 进而提升了用户支付体验的满意度。 请参见图 4所示， 本实施例中的统一管理平台还包括统一标准管理模块， 设置为 在智能卡制作平台的制卡模块根据得到的卡号制得智能卡之前， 向该智能卡制作平台 发送统一制卡标准， 然后制卡模块根据之前获取的卡号和该统一制卡标准进行制卡得 到智能卡。这样各制卡商都根据统一管理平台下发的统一制卡标准完成智能卡的制作， 进而可屏蔽掉各种智能卡之间的差异； 使制得的智能卡成为通用卡。 针对不同的支付 业务都可采用本方案提供的智能卡实现支付， 通用性更好。 不同的运营商也不再需要 在统一地点重复设置发卡网点以及充值网点和刷卡机， 在较大程度上降低了智能卡的 建设成本以及用户的使用成本， 可进一步提升用户体验的满意度。 在本实施例中， 为了实现对制卡商的更好的管理， 本实施例中的智能卡制作平台 管理模块还设置为向智能卡制作平台发送卡号和制卡密钥之前， 与智能卡制作平台交 互完成注册， 并为注册通过的智能卡制作平台配置对应的用户信息 （该用户信息为该 制卡商注册的用户信息） 和注册信息 （该注册信息为专门针对该制卡商分配的配置信 息）； 然后在后续对制卡商的管理过程中，统一管理平台仅针对有效注册过的智能卡制 作平台下发对应的卡号和制卡密钥； 本实施例中下发的卡号是统一管理平台根据一定 的规则为各智能卡制作平台分配的， 制卡密钥则是统一管理平台为根据各智能卡制作 平台的注册信息以及为智能卡制作平台分配的卡号根据一定的算法所生成的。 其中一 个卡号对应一个制卡密钥， 每个卡号的制卡密钥都不同。 在完成上述智能卡的制得以及发卡流程的处理后， 本实施例还对得到的智能卡进 行钱包的创建， 请参见图 5所示， 实施例中的智能卡制作平台还包括钱包创建模块， 设置为在发卡处理模块利用制卡密钥对智能卡进行加密处理后， 在该智能卡中创建一 个通用钱包， 该通用钱包可对应多种智能卡业务。 例如可对应公交刷卡、 超时刷卡、 门票、 轮渡等业务。 在制得通用的智能卡之后， 还需要对该智能卡中的通用钱包进行充值处理。 本实 施例除了提供传统的到相应的充值网点进行充值外， 还提供了利用短距离通信终端实 现对智能卡的充值， 请参见图 6所示。 其中， 本实施例中的短距离通信终端是指具备 FC、 蓝牙等短距离通信方式的手机、 平板等移动终端， 当然也可采用类似的固定终 端。 本实施例提供的短距离通信终端既能实现在线为智能卡进行充值， 也可在无移动 网络环境下， 利用短距离通信终端上的离线钱包实现对智能卡的离线充值， 因此当智 能卡的通用钱包余额不足时， 用户并不需要必须到指定网点完成充值， 而可直接利用 本实施例提供的短距离通信终端立即实现对智能卡的充值， 在较大程度上提升了智能 卡使用的便利性。 为了更好的理解， 下面结合短距离通信终端对本发明做进一步的说 明。 请参见图 7和所示， 本实施例中的短距离通信终端包括离线钱包设置模块、 支付 管理模块、 智能卡处理模块、 卡片绑定模块、 账务管理模块、 安全模块和短距离通信 模块； 统一管理平台还包括权限模块、卡片管理模块、财务管理模块、 APP接入模块、 安全认证模块和外部接口模块； 其中： 短距离通信终端的离线钱包设置模块设置为在短距离通信终端上设置离线钱包； 短距离通信终端的支付管理模块设置为从统一管理平台的财务管理模块圈存一定 的金额到离线钱包中， 以留待后续为智能卡离线充值时使用； 当采用在线充值时， 则 支付管理模块还设置为从统一管理平台的财务管理模块直接圈存一定的金额到智能卡 的通用钱包中， 具体过称为向财务管理模块发送卡片信息以及圈存请求， 接收财务管 理模块反馈的圈存响应并生成对应的充值指令发给智能卡， 实现在线充值； 智能卡处理模块设置为通过短距离通信终端的离线钱包、 利用短距离通信模块提 供的短距离通信为通用钱包充值； 卡片绑定模块设置为通过短距离通信模块获取智能卡的卡片信息， 将其发给统一 管理平台实现卡片和相应账户的绑定； 安全模块设置为为交互过程的各信息提供安全保障， 主要用于对各信息进行加解 密处理； 短距离通信模块设置为提供短距离通信， 设置为和智能卡进行短距离无线通信从 而完成各种信息的交互， 具体可采用 FC、 蓝牙等方式； 权限管理模块设置为管理用户权限； 卡片管理模块设置为管理用户的通用智能卡， 包括实现账户与智能卡的绑定， 以 及对未绑定的智能卡进行权限控制； 财务管理模块设置为管理用户的资金账户， 每个用户至少包含一个资金账户， 该 资金账户可在用户注册时获取； 安全认证模块设置为与统一加密中心连接， 完成相关密钥 （包括工作密钥、 充值 密钥） 的获取以及管理密钥的安全， 一般通过临时会话密钥保证获取的密钥的安全； FIG. 2 is a schematic structural diagram of a smart card management system according to Embodiment 1 of the present invention; FIG. 2 is a schematic structural diagram 1 of a unified management platform according to Embodiment 1 of the present invention; FIG. 3 is a smart card manufacturing platform according to Embodiment 1 of the present invention; FIG. 4 is a schematic structural diagram 2 of a unified management platform according to Embodiment 1 of the present invention; FIG. 5 is a schematic structural diagram 2 of a smart card manufacturing platform according to Embodiment 1 of the present invention; FIG. 6 is a schematic diagram of Embodiment 1 of the present invention; FIG. 7 is a schematic structural diagram of a smart card management system according to an embodiment of the present invention; FIG. 8 is a schematic flowchart of a smart card management method according to an embodiment of the present invention; FIG. 9 is a schematic flowchart of a smart card management method according to an embodiment of the present invention; FIG. 10 is a schematic flowchart of a smart card card-making process according to Embodiment 2 of the present invention; FIG. 11 is a schematic diagram of a smart card binding process according to Embodiment 2 of the present invention; The schematic diagram of the online recharge process of the smart card provided by the second. BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be further described in detail by way of specific embodiments with reference to the accompanying drawings. Embodiment 1 is shown in FIG. 1 , which is a smart card management system provided by the embodiment, which includes a unified management platform, a smart card creation platform, and a unified encryption center. The unified management platform is mainly used to implement a smart card. The unified management, including the management of the card making process of the smart card and the management during the subsequent use; the smart card production platform is mainly set up in the card maker, and is mainly used to complete the production of the smart card according to the requirements of the unified management platform, the production includes the card The manufacturing process, the processing of the card issuance process, and the creation of the wallet in the smart card (the smart card in this embodiment refers to various IC cards with offline wallets); the unified encryption center is mainly used to manage various keys of the smart card (including Management of card-making keys, recharge keys, etc.). Specifically, as shown in FIG. 2, the unified management platform in this embodiment includes a smart card creation platform management module, and is configured to send a card number and a card-making key to the smart card production platform during the production process of the smart card; The smart card creation platform management module in the example may also be configured to manage the smart card creation platform, and only send the card number and the card-making key to the smart card creation platform registered to it. As shown in FIG. 3, the smart card creation platform in this embodiment includes a card making module and a card issuing processing module. The card making module is configured to obtain a smart card according to the card number sent by the unified management platform, and the card issuing processing module is configured to use the card making key pair. The smart card performs encryption processing, that is, completes the processing of the card issuance process. Therefore, after the smart card is shipped, it is no longer necessary to go to the designated operator to process the card issuance process. The smart card can be purchased as a common commodity (for example, it can be sold at various convenience stores), and the user can directly perform recharge after purchase, which greatly improves the user's purchase. The convenience of using smart cards increases the satisfaction of the user's payment experience. As shown in FIG. 4, the unified management platform in this embodiment further includes a unified standard management module, and is configured to send a unified card to the smart card production platform before the card making module of the smart card making platform obtains the smart card according to the obtained card number. Standard, and then the card making module obtains the smart card according to the previously obtained card number and the unified card making standard. In this way, each card manufacturer completes the production of the smart card according to the unified card manufacturing standard issued by the unified management platform, thereby shielding the difference between the various smart cards; making the obtained smart card a universal card. For different payment services, the smart card provided by the solution can be used for payment, and the versatility is better. Different operators no longer need to repeatedly set up card issuing outlets and recharge outlets and credit card machines in a unified location, which greatly reduces the construction cost of smart cards and the cost of users, and can further improve the satisfaction of user experience. In this embodiment, in order to achieve better management of the card maker, the smart card creation platform management module in this embodiment is further configured to interact with the smart card creation platform before sending the card number and the card making key to the smart card creation platform. Registering, and configuring the corresponding user information (the user information is the user information registered by the card maker) and the registration information for the registered smart card creation platform (the registration information is a configuration letter specifically allocated for the card maker) In the subsequent management process of the card maker, the unified management platform only delivers the corresponding card number and card-making key for the validly-registered smart card creation platform; the card number issued in this embodiment is a unified management platform. According to a certain rule, the card-making key is distributed by the unified management platform according to the registration information of each smart card making platform and the card number assigned to the smart card making platform according to a certain algorithm. One of the card numbers corresponds to one card key, and the card key of each card number is different. After the completion of the processing of the above-mentioned smart card and the processing of the card issuance process, the present embodiment also creates a wallet for the obtained smart card. Referring to FIG. 5, the smart card creation platform in the embodiment further includes a wallet creation module, which is set to After the card processing module encrypts the smart card by using the card making key, a universal wallet is created in the smart card, and the universal wallet can correspond to a plurality of smart card services. For example, it can correspond to bus credit card, time-out credit card, ticket, ferry and other services. After the universal smart card is made, the universal wallet in the smart card needs to be recharged. In addition to providing a conventional recharge to a corresponding refill outlet, the present embodiment provides a recharging of the smart card by using a short-range communication terminal, as shown in FIG. 6. The short-distance communication terminal in this embodiment refers to a mobile terminal such as a mobile phone or a tablet having a short-distance communication method such as FC or Bluetooth. Similarly, a similar fixed terminal can also be used. The short-distance communication terminal provided in this embodiment can not only recharge the smart card online, but also realize the offline recharge of the smart card by using the offline wallet on the short-distance communication terminal in the no-mobile network environment, so when the smart card has the universal wallet balance Insufficient, the user does not need to complete the recharge to the designated network, and the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card. For a better understanding, the present invention will be further described below in conjunction with a short-range communication terminal. Referring to FIG. 7 and the display, the short-range communication terminal in this embodiment includes an offline wallet setting module, a payment management module, a smart card processing module, a card binding module, a account management module, a security module, and a short-range communication module; The management platform further includes a permission module, a card management module, a financial management module, an APP access module, a security authentication module, and an external interface module; wherein: the offline wallet setting module of the short-range communication terminal is configured to set an offline wallet on the short-distance communication terminal The payment management module of the short-distance communication terminal is set to store a certain amount from the financial management module of the unified management platform to the offline wallet, so as to be used for subsequent offline charging of the smart card; when online recharge is used, the payment management module further It is set to directly deposit a certain amount from the financial management module of the unified management platform into the universal wallet of the smart card, and specifically refers to sending the card information and the storage request to the financial management module, receiving the storage response fed back by the financial management module and generating Corresponding recharge command Smart card, for online recharge; The smart card processing module is configured to recharge the universal wallet through the offline wallet of the short-distance communication terminal and the short-distance communication provided by the short-distance communication module; the card binding module is configured to acquire the card information of the smart card through the short-range communication module, and send the card information to the The unified management platform realizes the binding of the card and the corresponding account; the security module is set to provide security for each information of the interaction process, and is mainly used for encrypting and decrypting each information; the short-distance communication module is set to provide short-distance communication, and is set to The short-distance wireless communication with the smart card can complete various information interactions, specifically adopting FC, Bluetooth, etc.; the rights management module is set to manage user rights; the card management module is set to manage the user's universal smart card, including the implementation of the account and the smart card. Binding, and controlling the rights of the unbound smart card; the financial management module is set to manage the user's fund account, each user includes at least one fund account, the fund account can be obtained when the user registers; the security authentication module is set to Unite The encryption center is connected to complete the acquisition of the relevant key (including the work key, the recharge key) and the security of the management key, and the security of the obtained key is generally ensured by the temporary session key;
APP接入模块设置为与短距离通信终端相连， 接收短距离通信终端发送的业务信 息 （包括圈存请求、 查询请求等） 以及向短距离通信终端转发响应的信息； 外部接口模块设置为与外部系统相连， 包括银行、 银联、 第三方支付系统等， 实 现资金的转入、 转出、 结算、 对账等功能。 可见， 本实施例提供的短距离通信终端既能实现在线为智能卡进行充值， 也可在 无移动网络环境下， 利用短距离通信终端上的离线钱包实现对智能卡的离线充值， 因 此当智能卡的钱包余额不足时， 用户并不需要必须到指定网点完成充值， 而可直接利 用本实施例提供的短距离通信终端立即实现对智能卡的充值， 在较大程度上提升了智 能卡使用的便利性。 在本实施例中， 短距离通信终端还可进一步包括密钥管理模块， 设置为在智能卡 处理模块通过离线钱包为通用钱包充值之前， 获取该智能卡的充值密钥。 在本实施例 中， 密钥管理模块可以在通过在线充值功能为该智能卡充值时， 或直接通过在线查询 的方式， 根据该智能卡的卡片信息从财务系统查询获取到， 并将其保存在本地； 当然 也不排除用户直接在密钥管理模块上设置各智能卡的充值密钥。 在密钥管理模块获取 并存储智能卡的密钥后， 智能卡处理模块在利用短距离通信终端的离线钱包为智能卡 进行离线充值的过程如下： 智能卡处理模块包括卡片信息获取子模块、密钥查找子模块、充值子模块， 其中： 卡片信息获取子模块通过短距离通信模块提供的短距离通信获取智能卡的卡片信 息； 当该短距离通信模块提供的短距离通信为 FC通信时， 智能卡触碰短距离通信终 端， 短距离通信模块识别智能卡， 获取到相应的卡片信息； 当该短距离通信模块提供 的短距离通信为蓝牙通信时， 智能卡作为从设备， 短距离通信终端作为主设备， 短距 离通信终端和智能卡进行非接触配对完成信息交互； 密钥查找子模块根据该智能卡的卡片信息在从密钥管理模块上查找到对应的充值 密钥； 充值子模块设置为根据密钥查找子模块找到的充值密钥以及用户输入的充值金额 向智能卡下发充值指令完成智能卡通用钱包的充值。 在本实施例中， 可设置只有当短距离通信终端处于无移动网络的环境下， 才采用 短距离通信终端上的离线钱包为智能卡进行离线充值，以提升该离线充值功能实用性。 此时本实施例中的短距离通信终端可进一步包括环境判断模块， 设置为在智能卡处理 模块通过离线钱包为智能卡充值之前， 判断短距离通信终端当前是否处于无移动网络 环境； 如是， 则允许智能卡处理模块通过离线钱包为智能卡充值； 否则， 则通知智能 卡处理模块通过在线充值功能为智能卡进行充值， 而不采用离线充值功能。 实施例二： 本实施例提供了一种智能卡管理方法， 具体请参见图 8所示， 包括： 步骤 801 : 在智能卡的制卡过程中， 统一管理平台向智能卡制作平台发送卡号和 制卡密钥； 步骤 802: 智能卡制作平台根据获取的卡号制得智能卡； 步骤 803 : 智能卡制作平台利用制卡密钥对该智能卡进行加密处理； 步骤 804: 智能卡制作平台在该智能卡中创建一个通用钱包； 该通用钱包对应多 种智能卡业务， 例如可对应公交刷卡、 超时刷卡、 门票、 轮渡等业务。 可见， 采用本实施例的方案， 智能卡在出厂之前就已经完成的发卡和钱包创建的 处理流程， 因此在智能卡出厂之后， 不再需要到指定的运营商进行发卡流程的处理， 该智能卡可以作为普通商品随处购买（例如可以在各便利店出售），用户购买后可直接 进行充值使用， 大大提升了智能卡使用的便捷性，进而提升了用户支付体验的满意度。 在本实施例中， 智能卡制作平台根据获取的卡号制得制得智能卡之前还包括： 统一管理平台向智能卡制作平台发送统一制卡标准； 这样各制卡商都根据统一管理平 台下发的统一制卡标准完成智能卡的制作， 进而可屏蔽掉各种智能卡之间的差异； 使 制得的智能卡成为通用卡。 针对不同的支付业务都可采用本方案提供的智能卡实现支 付， 通用性更好。 不同的运营商也不再需要在统一地点重复设置发卡网点以及充值网 点和刷卡机， 在较大程度上降低了智能卡的建设成本以及用户的使用成本， 可进一步 提升用户体验的满意度。 在本实施例中， 为了实现对制卡商的更好的管理， 统一管理平台向智能卡制作平 台发送卡号和制卡密钥之前， 还包括： 智能卡制作平台在统一管理平台上完成注册， 统一管理平台为所述智能卡制作平台配置对应的用户信息和注册信息； 然后在后续对 制卡商的管理过程中， 统一管理平台仅针对有效注册过的智能卡制作平台下发对应的 卡号和制卡密钥； 本实施例中下发的卡号是统一管理平台根据一定的规则为各智能卡 制作平台分配的， 制卡密钥则是统一管理平台为根据各智能卡制作平台的注册信息以 及为智能卡制作平台分配的卡号根据一定的算法所生成的。 其中一个卡号对应一个制 卡密钥， 每个卡号的制卡密钥都不同。 在制得通用的智能卡之后， 还需要对该智能卡中的通用钱包进行充值处理。 本实 施例除了提供传统的到相应的充值网点进行充值外， 还提供了利用短距离通信终端实 现对智能卡的充值， 本实施例中的短距离通信终端是指具备 FC、 蓝牙等短距离通信 方式的手机、 平板等移动终端， 当然也可采用类似的固定终端。 本实施例提供的短距 离通信终端既能实现在线为智能卡进行充值， 也可在无移动网络环境下， 利用短距离 通信终端上的离线钱包实现对智能卡的离线充值， 因此当智能卡的通用钱包余额不足 时， 用户并不需要必须到指定网点完成充值， 而可直接利用本实施例提供的短距离通 信终端立即实现对智能卡的充值， 在较大程度上提升了智能卡使用的便利性。 为了更 好的理解， 下面结合短距离通信终端的离线充值功能对本发明做进一步的说明。 请参 见图 9所示， 其包括： 步骤 901 : 在短距离通信终端上设置离线钱包； 本实施例中的短距离通信终端可 为具备 FC、 蓝牙等短距离通信功能的手机、 平板等终端； 步骤 902: 从财务系统中圈存预设金额到短距离通信终端的离线钱包中； 步骤 903 : 通过短距离通信终端上的离线钱包、 利用短距离通信为智能卡的通用 钱包进行充值。 当然， 在本实施例中， 短距离通信终端可通过在线充值功能， 直接从财务系统中 将相应的金额圈存到智能卡的通用钱包中。 此时其通过短距离通信模块提供的短距离 通信功能读取智能卡的卡片信息， 将该卡片信息发给财务系统并向同时向财务系统发 送用于圈存一定金额到该智能卡的圈存请求； 然后接收财务系统的响应， 根据该响应 向智能卡发送对应的充值指令完成对智能卡的充值。 本实施例中， 通过短距离通信终端的离线钱包利用短距离通信为智能卡的通用钱 包充值之前， 还包括： 短距离通信终端获取所述智能卡的充值密钥。 在本实施例中， 短距离通信终端可以在通过在线充值功能为该智能卡充值时， 或直接通过在线查询的 方式， 根据该智能卡的卡片信息从财务系统查询获取到， 并将其保存在本地； 当然也 不排除用户直接在短距离通信终端上设置各智能卡的充值密钥。 在实施例中， 可设置仅在无移动网络环境下， 才使用短距离通信终端提供的离线 充值功能实现对智能卡的离线充值， 此时， 在通过离线钱包利用短距离通信为所述智 能卡充值之前， 还包括判断短距离通信终端是否处于无移动网络环境， 如是， 才通过 离线钱包利用短距离通信为所述智能卡充值； 否则， 利用短距离通信终端的在线充值 功能实现为智能卡充值。 其中， 通过短距离通信终端的离线钱包、 利用短距离通信为 智能卡充值包括： 短距离通信终端通过短距离通信获取智能卡的卡片信息； 短距离通信终端根据获取的卡片信息查找对应的充值密钥； 短距离通信终端根据获取的充值密钥以及用户输入的充值金额向所述智能卡下发 充值指令完成智能卡通用钱包的充值。 为了更好的理解本发明， 下面结合智能卡的制卡流程、 智能卡的绑定流程以及智 能卡的充值流程对本发明作进一步的说明。 请参见图 10所示， 制卡商的制卡过程如下： 步骤 1001 : 制卡商制卡前， 利用智能卡制作平台在统一管理平台上注册产生相关 登陆用户和注册信息； 步骤 1002: 注册成功后， 统一管理平台为该智能卡制作平台分配卡号以及制卡密 钥， 并下发统一的制卡标准； 制卡密钥由统一管理平台连接统一加密中心从统一加密 中心获取， 且制卡密钥通过临时会话密钥保护； 步骤 1003 : 制卡商根据获取的制卡标准、 卡号制卡， 并将获取的制卡密钥灌入制 得的智能卡中， 并在该智能卡中创建通用钱包； 步骤 1004: 制卡完成。 图 11是本实施例提供的智能卡绑定流程图， 主要流程如下： 步骤 1101 : 用户在统一管理平台上注册， 包括用户账户信息的注册 ， 同时通过 短距离通信终端上的 APP在统一管理平台上注册 APP ； 步骤 1102: 统一管理平台向短距离通信终端反馈相关工作密钥和智能卡的充值密 钥， 密钥通过临时会话密钥进行加密； 步骤 1103 : 短距离通信终端通过卡片绑定模块读取卡片信息， 包括卡号； 步骤 1104: 短距离通信终端通过安全模块加密卡号发送到统一管理平台； 步骤 1105 : 统一管理平台连接统一加密中心将短距离通信终端发送过来的信息解 密后获取卡号并与该用户的账户进行绑定。 图 12是本实施例提供的用户欠费在线充值的流程图， 主要流程如下： 步骤 1201 : 用户支付欠费情况下， 通过短距离通信终端读取卡号， 并发送圈存请 求到统一管理平台； 步骤 1202: 统一管理平台检验卡片、 账户、 短距离通信终端的有效性， 并判断满 足圈存条件 （例如账户余额是否足够等）； 步骤 1203 : 统一管理平台响应圈存请求， 并反馈相应的响应的密文； 步骤 1204: 短距离通信终端收到响应密文后将密文进行解密； 步骤 1205 : 短距离通信终端将解密的指令进行分析， 用相关充值密钥进行命令加 密， 然后通过短距离通信模块发往智能卡完成充值。 可见， 通过本发明提供的方案， 在智能卡在出厂之前就已经完成的发卡和钱包创 建的处理流程， 因此在智能卡出厂之后， 不再需要到指定的运营商进行发卡流程的处 理， 该智能卡可以作为普通商品随处购买（例如可以在各便利店出售）， 用户购买后可 直接进行充值使用， 大大提升了智能卡使用的便捷性， 进而提升了用户支付体验的满 意度。 另外， 可基于短距离通信终端 （例如具有 FC、 蓝牙通信功能的手机、 平板等） 的短距离通信模块实现对智能卡进行充值， 当智能卡的钱包余额不足时， 可立即通过 短距离通信终端为智能卡进行充值， 用户使用更为方便； 同时， 本发明在短距离通信 终端上部署离线钱包， 并预先从财务系统中圈存一定金额到该离线钱包中； 因此当出 现短距离通信终端数据上网异常时， 仍然可以通过短距离通信终端的离线钱包完成向 智能卡的充值； 可进一步提升用户体验的满意度； 另外， 通过本发明的方案， 用户可 直接通过短距离通信终端实现对智能卡的充值， 因此可以减少实体网点建设， 特别减 少不同运营商的充分对网点、 刷卡终端的重复部署， 可降低运营商的建设以及用户的 使用成本。 以上内容是结合具体的实施方式对本发明所作的进一步详细说明， 不能认定本发 明的具体实施只局限于这些说明。 对于本发明所属技术领域的普通技术人员来说， 在 不脱离本发明构思的前提下， 还可以做出若干简单推演或替换， 都应当视为属于本发 明的保护范围。 工业实用性 本发明提供的智能卡管理方案， 在智能卡的制卡过程中， 统一管理平台向智能卡 制作平台发送卡号和制卡密钥； 智能卡制作平台根据获取的卡号制得智能卡， 并利用 制卡密钥对该智能卡进行加密处理。 也即， 在本发明中， 在智能卡的制作过程中就已 经利用制卡密钥完成了发卡流程。 在智能卡出厂之后， 则不再需要到指定的运营商进 行发卡流程的处理， 因此可以作为普通商品随处购买（例如可以在各便利店出售）， 用 户购买后可直接进行充值使用， 大大提升了智能卡使用的便捷性， 进而提升了用户支 付体验的满意度。 The APP access module is configured to be connected to the short-range communication terminal, receive the service information (including the circle request, the query request, and the like) sent by the short-range communication terminal, and forward the response information to the short-distance communication terminal; the external interface module is set to be external The system is connected, including banks, UnionPay, third-party payment systems, etc., to realize the functions of transfer, transfer, settlement, and reconciliation of funds. It can be seen that the short-distance communication terminal provided by the embodiment can not only perform online charging for the smart card, but also can use the offline wallet on the short-distance communication terminal to perform offline charging of the smart card in the no-mobile network environment, so the smart card wallet is used. When the balance is insufficient, the user does not need to complete the recharge to the designated network, and the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card. In this embodiment, the short-range communication terminal may further include a key management module, configured to acquire a refill key of the smart card before the smart card processing module recharges the universal wallet through the offline wallet. In this embodiment, the key management module may obtain the card information from the smart card according to the card information of the smart card when the online card is recharged by the online recharge function, or directly through the online query, and save it locally; of course It is also not excluded that the user directly sets the recharge key of each smart card on the key management module. After the key management module acquires and stores the key of the smart card, the smart card processing module performs offline charging for the smart card by using the offline wallet of the short-distance communication terminal as follows: The smart card processing module includes a card information acquisition sub-module and a key search sub-module. And a recharge sub-module, wherein: the card information acquisition sub-module obtains card information of the smart card by short-distance communication provided by the short-distance communication module; when the short-distance communication provided by the short-distance communication module is FC communication, the smart card touches short-distance communication The terminal, the short-distance communication module identifies the smart card, and obtains corresponding card information; when the short-distance communication provided by the short-distance communication module is Bluetooth communication, the smart card functions as a slave device, the short-range communication terminal functions as a master device, and the short-range communication terminal and The smart card performs non-contact pairing to complete the information interaction; the key search sub-module finds the corresponding recharge key from the key management module according to the card information of the smart card; the recharge sub-module is set to the recharge value found by the key search sub-module. Key and user input The recharge amount of the credit card is sent to the smart card to complete the refill of the smart wallet. In this embodiment, it can be set that the offline wallet on the short-distance communication terminal is used for offline charging of the smart card only when the short-distance communication terminal is in the environment without the mobile network, so as to improve the practicality of the offline recharge function. The short-distance communication terminal in this embodiment may further include an environment determining module, configured to determine whether the short-distance communication terminal is currently in a no-mobile network environment before the smart card processing module recharges the smart card through the offline wallet; if yes, the smart card is allowed The processing module recharges the smart card through the offline wallet; otherwise, the smart card processing module is notified to recharge the smart card through the online recharge function instead of the offline recharge function. Embodiment 2: This embodiment provides a smart card management method. For details, refer to FIG. 8. The method includes the following steps: Step 801: During the card making process of the smart card, the unified management platform sends the card number and the card-making key to the smart card making platform. Step 802: The smart card making platform obtains the smart card according to the obtained card number; Step 803: the smart card making platform encrypts the smart card by using the card making key; Step 804: The smart card making platform creates a universal wallet in the smart card; The wallet corresponds to a variety of smart card services, for example, it can correspond to bus credit card, time-out credit card, ticket, ferry and other services. It can be seen that, with the solution of the embodiment, the process of issuing the card and the wallet is completed before the smart card is shipped from the factory. Therefore, after the smart card is shipped, the processing of the card issuance process is no longer required to be performed by the designated operator, and the smart card can be used as a common Goods can be purchased anywhere (for example, can be sold at various convenience stores), and users can directly recharge after purchase, which greatly enhances the convenience of using smart cards, thereby increasing the satisfaction of the user's payment experience. In this embodiment, the smart card making platform obtains the smart card according to the obtained card number, and further includes: the unified management platform sends the unified card making standard to the smart card making platform; thus, each card manufacturer has a unified card issued according to the unified management platform. The standard completes the production of the smart card, which in turn shields the differences between the various smart cards; making the resulting smart card a universal card. For different payment services, the smart card provided by the solution can be used for payment, and the versatility is better. Different operators no longer need to repeatedly set up card issuing outlets and recharge outlets and credit card machines in a unified location, which greatly reduces the construction cost of smart cards and the cost of users, and can further improve the satisfaction of user experience. In this embodiment, in order to achieve better management of the card maker, before the unified management platform sends the card number and the card making key to the smart card making platform, the smart card production platform also completes registration on the unified management platform, and unified management The platform configures the corresponding user information and registration information for the smart card creation platform; and then, in the subsequent management process of the card maker, the unified management platform delivers the corresponding card number and the card-making key only for the validly-registered smart card creation platform. The card number issued in this embodiment is allocated by the unified management platform for each smart card making platform according to certain rules, and the card-making key is the unified management platform for the registration information according to each smart card making platform and allocated for the smart card making platform. The card number is generated according to a certain algorithm. One of the card numbers corresponds to one card key, and the card key of each card number is different. After the universal smart card is made, the universal wallet in the smart card needs to be recharged. In this embodiment, in addition to providing a traditional recharge to a corresponding recharge point, the short-distance communication terminal is used to implement recharging of the smart card. The short-distance communication terminal in this embodiment refers to a short-distance communication method such as FC and Bluetooth. Mobile terminals such as mobile phones and tablets, of course, similar fixed terminals can also be used. The short-distance communication terminal provided in this embodiment can not only recharge the smart card online, but also realize the offline recharge of the smart card by using the offline wallet on the short-distance communication terminal in the no-mobile network environment, so when the smart card has the universal wallet balance Insufficient, the user does not need to complete the recharge to the designated network, and the short-distance communication terminal provided by the embodiment can be used to immediately recharge the smart card, thereby improving the convenience of the smart card. For a better understanding, the present invention will be further described below in conjunction with the offline recharge function of the short-range communication terminal. Referring to FIG. 9, the method includes: Step 901: setting an offline wallet on a short-distance communication terminal; the short-distance communication terminal in this embodiment may be a mobile phone, a tablet, or the like having short-distance communication functions such as FC and Bluetooth; Step 902: Storing the preset amount from the financial system into the offline wallet of the short-distance communication terminal; Step 903: recharging the universal wallet of the smart card by short-distance communication through the offline wallet on the short-distance communication terminal. Of course, in this embodiment, the short-distance communication terminal can directly deposit the corresponding amount from the financial system into the universal wallet of the smart card through the online recharge function. At this time, the short-distance communication function provided by the short-distance communication module reads the card information of the smart card, sends the card information to the financial system, and simultaneously sends a request for depositing a certain amount to the smart card to the financial system; Then, the response of the financial system is received, and the corresponding recharge instruction is sent to the smart card according to the response to complete the refilling of the smart card. In this embodiment, before the offline wallet of the short-distance communication terminal uses the short-distance communication to recharge the universal wallet of the smart card, the method further includes: acquiring, by the short-range communication terminal, the refill key of the smart card. In this embodiment, the short-distance communication terminal may obtain the card information from the smart card according to the card information of the smart card when the online card is recharged by the online recharge function, or directly through the online query, and save it locally; Of course, it is not excluded that the user directly sets the recharge key of each smart card on the short-distance communication terminal. In an embodiment, the offline recharge function provided by the short-distance communication terminal can be used to perform offline recharging of the smart card only in the no-mobile network environment. At this time, before the smart card is recharged by short-distance communication through the offline wallet. The method further includes determining whether the short-distance communication terminal is in a no-mobile network environment, and if so, recharging the smart card by short-distance communication through the offline wallet; otherwise, using the online recharge function of the short-distance communication terminal to recharge the smart card. The offline wallet of the short-distance communication terminal and the recharging of the smart card by short-distance communication include: the short-distance communication terminal acquires the card information of the smart card by short-distance communication; the short-distance communication terminal searches for the corresponding recharge key according to the acquired card information; The short-distance communication terminal issues a refilling instruction to the smart card according to the obtained recharge key and the recharge amount input by the user to complete the refill of the smart card wallet. In order to better understand the present invention, the present invention will be further described in conjunction with the card-making process of the smart card, the binding process of the smart card, and the refilling process of the smart card. Referring to FIG. 10, the card making process of the card manufacturer is as follows: Step 1001: Before the card maker makes the card, the smart card creation platform is used to register on the unified management platform to generate related login users and registration information; Step 1002: After the registration is successful, the unified management platform allocates the card number and the card-making key to the smart card making platform, and issues a unified card-making standard; the card-making key is obtained by the unified management platform and is connected to the unified encryption center from the unified encryption center. And the card-making key is protected by the temporary session key; Step 1003: the card-making company makes the card according to the obtained card-making standard and the card number, and fills the obtained card-making key into the obtained smart card, and in the smart card Create a universal wallet; Step 1004: The card is complete. 11 is a flow chart of the smart card binding provided by this embodiment. The main process is as follows: Step 1101: The user registers on the unified management platform, including the registration of the user account information, and the APP on the short-distance communication terminal is on the unified management platform. Registering the APP; Step 1102: The unified management platform feeds back the relevant work key and the recharge key of the smart card to the short-distance communication terminal, and the key is encrypted by the temporary session key; Step 1103: The short-distance communication terminal reads through the card binding module Card information, including the card number; Step 1104: The short-distance communication terminal is sent to the unified management platform by using the security module encryption card number; Step 1105: The unified management platform is connected to the unified encryption center to decrypt the information sent by the short-distance communication terminal, and obtain the card number and The user's account is bound. FIG. 12 is a flowchart of the online recharge of the user's arrears provided by the embodiment. The main process is as follows: Step 1201: When the user pays the arrears, the short-distance communication terminal reads the card number and sends a request for the circle to the unified management platform; Step 1202: The unified management platform checks the validity of the card, the account, and the short-range communication terminal, and determines whether the storage condition is satisfied (for example, whether the account balance is sufficient, etc.); Step 1203: The unified management platform responds to the storage request, and feeds back the corresponding response. Step 1204: The short-distance communication terminal decrypts the ciphertext after receiving the response ciphertext; Step 1205: The short-distance communication terminal analyzes the decrypted instruction, encrypts the command with the relevant recharge key, and then passes the short distance The communication module sends a smart card to the smart card to complete the recharge. It can be seen that, through the solution provided by the present invention, the processing flow of the card issuance and the wallet creation that has been completed before the smart card is shipped from the factory, therefore, after the smart card is shipped, the processing of the card issuance process is no longer required to be performed by the designated operator, and the smart card can be used as Ordinary goods can be purchased anywhere (for example, can be sold at various convenience stores), and users can directly recharge after purchase, which greatly improves the convenience of using the smart card, thereby increasing the satisfaction of the user's payment experience. In addition, the smart card can be recharged based on the short-distance communication module of the short-distance communication terminal (for example, a mobile phone with a FC, Bluetooth communication function, a tablet, etc.), and when the balance of the smart card is insufficient, the short-distance communication terminal can be immediately used as a smart card. The recharging is more convenient for the user to use; at the same time, the invention deploys the offline wallet on the short-distance communication terminal, and pre-stores a certain amount from the financial system to the offline wallet; therefore, when the data of the short-distance communication terminal is abnormal, The credit card can still be recharged through the offline wallet of the short-distance communication terminal; the satisfaction of the user experience can be further improved; in addition, with the solution of the invention, the user can directly recharge the smart card through the short-distance communication terminal, so Reducing the construction of physical outlets, especially reducing the repeated deployment of network outlets and card-swapping terminals by different operators, can reduce the construction of operators and the cost of users. The above is a further detailed description of the present invention in connection with the specific embodiments, and the specific implementation of the invention is not limited to the description. It will be apparent to those skilled in the art that the present invention may be made without departing from the spirit and scope of the invention. Industrial Applicability The smart card management solution provided by the present invention, in the card making process of the smart card, the unified management platform sends the card number and the card-making key to the smart card making platform; the smart card making platform obtains the smart card according to the obtained card number, and uses the card-making key The key encrypts the smart card. That is, in the present invention, the card issuance process has been completed using the card making key in the production process of the smart card. After the smart card is shipped from the factory, it is no longer necessary to go to the designated operator to process the card issuance process. Therefore, it can be purchased as a common commodity (for example, it can be sold at various convenience stores). After the user purchases, it can be directly used for recharging, which greatly enhances the smart card. The ease of use increases the satisfaction of the user's payment experience.

Claims

权 利 要 求 书 Claim
1. 一种智能卡管理方法， 包括： 在智能卡的制卡过程中， 统一管理平台向智能卡制作平台发送卡号和制卡 密钥； A smart card management method, comprising: in a card making process of a smart card, the unified management platform sends a card number and a card-making key to the smart card making platform;
所述智能卡制作平台根据获取的卡号制得智能卡， 并利用所述制卡密钥对 该智能卡进行加密处理。  The smart card making platform generates a smart card according to the obtained card number, and encrypts the smart card by using the card making key.
2. 如权利要求 1所述的智能卡管理方法， 其中， 所述智能卡制作平台根据获取的 卡号制得制得智能卡之前还包括： 所述统一管理平台向所述智能卡制作平台发 送统一制卡标准； The smart card management method according to claim 1, wherein the smart card making platform further comprises: the unified management platform sending a unified card making standard to the smart card making platform before the smart card is prepared according to the obtained card number;
所述智能卡制作平台根据所述卡号和所述统一制卡标准进行制卡得到智能 卡。  The smart card making platform performs card making according to the card number and the unified card making standard to obtain a smart card.
3. 如权利要求 1所述的智能卡管理方法， 其中， 所述统一管理平台向所述智能卡 制作平台发送卡号和制卡密钥之前， 还包括： The smart card management method according to claim 1, wherein before the unified management platform sends the card number and the card making key to the smart card making platform, the method further includes:
所述智能卡制作平台在所述统一管理平台上完成注册， 所述统一管理平台 为所述智能卡制作平台配置对应的注册信息； 所述制卡密钥为所述统一管理平台根据所述注册信息以及为所述智能卡制 作平台分配的卡号所生成的。  The smart card creation platform is registered on the unified management platform, and the unified management platform configures corresponding registration information for the smart card creation platform; the card making key is the unified management platform according to the registration information and Generated for the card number assigned by the smart card creation platform.
4. 如权利要求 2或 3所述的智能卡管理方法， 其中， 所述智能卡制作平台利用所 述制卡密钥对所述智能卡进行加密处理后， 还包括： 在所述智能卡中创建一个通用钱包； 所述通用钱包对应多种智能卡业务。 The smart card management method according to claim 2 or 3, wherein after the smart card creation platform encrypts the smart card by using the card making key, the method further includes: creating a universal wallet in the smart card The universal wallet corresponds to a plurality of smart card services.
5. 如权利要求 4所述的智能卡管理方法， 其中， 所述管理方法还包括为所述通用 钱包充值， 其包括： The smart card management method according to claim 4, wherein the management method further comprises: charging the universal wallet, comprising:
在短距离通信终端上设置离线钱包； 从所述统一管理平台圈存预设金额到所述离线钱包中；  Setting an offline wallet on the short-distance communication terminal; and depositing a preset amount from the unified management platform into the offline wallet;
通过所述离线钱包利用短距离通信为所述通用钱包充值。  The universal wallet is recharged by the offline wallet using short-range communication.
6. 如权利要求 5所述的智能卡管理方法， 其中， 通过所述离线钱包利用短距离通 信为所述智能卡的通用钱包充值之前， 还包括： 所述短距离通信终端获取所述智能卡的充值密钥。 The smart card management method according to claim 5, wherein before the charging of the universal wallet of the smart card by using the short-distance communication by the offline wallet, the method further includes: The short-range communication terminal acquires a recharge key of the smart card.
7. 如权利要求 6所述的智能卡管理方法， 其中， 通过所述离线钱包利用短距离通 信为所述智能卡的通用钱包充值包括： The smart card management method according to claim 6, wherein the charging of the universal wallet of the smart card by using the short-distance communication by the offline wallet comprises:
所述短距离通信终端通过短距离通信获取所述智能卡的智能卡信息； 所述短距离通信终端根据获取的智能卡信息查找对应的充值密钥； 所述短距离通信终端根据获取的充值密钥以及用户输入的充值金额向所述 智能卡下发充值指令为所述智能卡充值。  The short-range communication terminal acquires smart card information of the smart card by short-distance communication; the short-range communication terminal searches for a corresponding recharge key according to the acquired smart card information; the short-distance communication terminal according to the obtained recharge key and the user The input recharge amount is sent to the smart card to recharge the smart card.
8. 一种智能卡管理系统， 包括统一管理平台、 智能卡制作平台： 所述统一管理平台包括智能卡制作平台管理模块， 设置为在智能卡的制作 过程中， 向所述智能卡制作平台发送卡号和制卡密钥； 所述智能卡制作平台包括制卡模块和发卡处理模块， 所述制卡模块设置为 根据所述卡号制得智能卡， 所述发卡处理模块设置为利用所述制卡密钥对所述 智能卡进行加密处理。 8. A smart card management system, comprising a unified management platform and a smart card production platform: the unified management platform comprises a smart card production platform management module, configured to send a card number and a card key to the smart card production platform during the production process of the smart card The smart card making platform includes a card making module and a card issuing processing module, and the card making module is configured to generate a smart card according to the card number, and the card issuing processing module is configured to perform the smart card by using the card making key Encryption processing.
9. 如权利要求 8所述的智能卡管理系统， 其中， 所述统一管理平台还包括统一标 准管理模块， 设置为在所述制卡模块根据所述卡号制得智能卡之前， 向所述智 能卡制作平台发送统一制卡标准； The smart card management system according to claim 8, wherein the unified management platform further comprises a unified standard management module, configured to: create a platform for the smart card before the card making module generates the smart card according to the card number Send a unified card standard;
所述制卡模块根据所述卡号和所述统一制卡标准进行制卡得到智能卡。  The card making module performs card making according to the card number and the unified card making standard to obtain a smart card.
10. 如权利要求 8所述的智能卡管理系统， 其中， 所述智能卡制作平台管理模块还 设置为向所述智能卡制作平台发送卡号和制卡密钥之前， 与所述智能卡制作平 台交互完成注册， 以及为所述智能卡制作平台配置对应的注册信息； 10. The smart card management system according to claim 8, wherein the smart card creation platform management module is further configured to interact with the smart card creation platform to complete registration before sending the card number and the card making key to the smart card making platform. And configuring corresponding registration information for the smart card making platform;
所述制卡密钥为所述智能卡制作平台管理模块根据所述注册信息以及为所 述智能卡制作平台分配的卡号所生成的。  The card making key is generated by the smart card making platform management module according to the registration information and a card number assigned to the smart card making platform.
11. 如权利要求 9或 10所述的智能卡管理系统，其中，所述智能卡制作平台还包括 钱包创建模块， 设置为在所述发卡处理模块利用所述制卡密钥对所述智能卡进 行加密处理后， 在所述智能卡中创建一个通用钱包， 所述通用钱包对应多种智 能卡业务。 The smart card management system according to claim 9 or 10, wherein the smart card creation platform further comprises a wallet creation module, configured to encrypt the smart card by using the card issuing key at the card issuing processing module Thereafter, a universal wallet is created in the smart card, and the universal wallet corresponds to a plurality of smart card services.
12. 如权利要求 11所述的智能卡管理系统，其中，所述管理系统还包括短距离通信 终端， 所述短距离通信终端包括离线钱包设置模块、 支付管理模块、 智能卡处 理模块和短距离通信模块； 所述统一管理平台还包括财务管理模块； 所述离线钱包设置模块设置为在所述短距离通信终端上设置离线钱包； 所述支付管理模块设置为从所述财务管理模块圈存预设金额到所述离线钱 包中； 12. The smart card management system of claim 11, wherein the management system further comprises a short-range communication terminal, the short-range communication terminal comprising an offline wallet setting module, a payment management module, a smart card processing module, and a short-range communication module The unified management platform also includes a financial management module; The offline wallet setting module is configured to set an offline wallet on the short-range communication terminal; the payment management module is configured to deposit a preset amount from the financial management module into the offline wallet;
所述智能卡处理模块设置为通过所述离线钱包利用所述短距离通信模块提 供的短距离通信为所述通用钱包充值。  The smart card processing module is configured to recharge the universal wallet by short-range communication provided by the offline wallet using the short-range communication module.
13. 如权利要求 12所述的智能卡管理系统，其中，所述短距离通信终端还包括密钥 管理模块， 设置为在所述智能卡处理模块通过所述离线钱包为所述通用钱包充 值之前， 获取所述智能卡的充值密钥。 13. The smart card management system of claim 12, wherein the short-range communication terminal further comprises a key management module configured to obtain before the smart card processing module recharges the universal wallet through the offline wallet The recharge key of the smart card.
14. 如权利要求 13所述的智能卡管理系统，其中，所述智能卡处理模块包括卡片信 息获取子模块、 密钥查找子模块以及充值子模块； 14. The smart card management system of claim 13, wherein the smart card processing module comprises a card information acquisition sub-module, a key search sub-module, and a recharge sub-module;
所述卡片信息获取子模块设置为通过所述短距离通信模块获取所述智能卡 的卡片信息；  The card information acquisition submodule is configured to acquire card information of the smart card by using the short distance communication module;
所述密钥查找子模块设置为根据所述卡片信息查找对应的充值密钥； 所述充值子模块设置为根据所述充值密钥以及用户输入的充值金额向所述 智能卡下发充值指令为所述通用钱包充值。  The key search sub-module is configured to search for a corresponding recharge key according to the card information; the recharge sub-module is configured to send a recharge command to the smart card according to the recharge key and a recharge amount input by the user. The general wallet is recharged.
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