WO2020063435A1

WO2020063435A1 - Smart card

Info

Publication number: WO2020063435A1
Application number: PCT/CN2019/106601
Authority: WO
Inventors: 张翌维; 赵建; 相韶华
Original assignee: 深圳技术大学
Priority date: 2018-09-27
Filing date: 2019-09-19
Publication date: 2020-04-02
Also published as: CN109615054B; CN109615054A

Abstract

Provided is a smart card. The card is provided with two security chips, and the card has three working states under the control of a working state switching circuit (13); in a cold storage state, a first security chip (11) is powered off and a second security chip (12) is powered on, and the second security chip (12) has the function of a cold electronic wallet; in a cold and hot exchange state, the first and second security chips (11, 12) are powered on and are both in an offline state, and data exchange can be performed between the first and second security chips (11, 12); and in a hot storage state, the second security chip (12) is powered off, and the first security chip (11) has the functions of a conventional financial card and a hot electronic wallet. Therefore, the smart card has the functions of cold and hot electronic wallets and a conventional financial card, thereby greatly facilitating the expansion and extension of a traditional financial smart card application to the field of digital currency, and the smart card is in an offline state when the second security chip (12) is powered on, thereby guaranteeing the security of an account in the second security chip (12), and the cold and hot storage states of the smart card are electrically and physically isolated based on a power supply circuit, thereby achieving high security.

Description

Smart card

Technical field

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

Background technique

In the digital currency system, the storage of digital currency is divided into cold storage and hot storage.

Cold storage is also called offline storage, that is, storage in a non-network isolated state. When digital currency is not needed, the currency is placed in a cold storage environment. Due to the state isolation, malicious attackers cannot steal currency or Maliciously destroy it. The advantage of cold storage is that it is isolated from the network and has high security; the disadvantages are also very prominent, that is, the need to independently build or create a cold storage hardware environment. The security of the cold storage environment has led to a variety of expensive cold electronic wallets (independent embedded environments equipped with cold storage environments, which have the appearance of online banking Udon, or the shape of a mobile terminal with a password embedded system) products and Applications are in the ascendant.

Hot storage is also called online storage. The application environment with hot storage is called hot e-wallet, which is used to transfer digital currency online at any time. For example, computer client, mobile terminal application (APP), web page, etc. E-wallets can transfer digital currency online, and the storage of digital currency's public and private keys and sensitive identity information are all hot storage. Its advantages are easy to use, and high efficiency in currency transfer (transactions) when connected to the network at any time. The disadvantage is that it is connected to the network. Once it is subjected to malicious attacks on the network, such as malicious monitoring and remote manipulation, it directly threatens the online hot storage environment and causes currency loss. In the case of a large amount of money, the risk is huge. In the case of the prior art, the convenience of hot storage cannot be replaced by the cold storage method.

At present, cold electronic wallets and hot electronic wallets generally exist independently. In the prior art, there is a lack of a financial device that can take advantage of the security advantages of cold storage and meet the convenience advantages of hot storage.

technical problem

The main purpose of the embodiments of the present invention is to provide a smart card to improve the convenience of using the cold storage technology.

Technical solutions

To achieve the above object, an embodiment of the present invention provides a smart card, which includes a first security chip, a second security chip, a working state switching circuit, and a power supply circuit;

The power supply circuit is configured to supply power to the smart card;

The working state switching circuit is respectively connected to the first security chip, the second security chip, and the power supply circuit, and the working state switching circuit is used to switch the working state of the smart card, wherein the smart card exists The following three working states: cold storage state, cold and hot exchange state, and hot storage state;

Wherein, in the cold storage state, the first security chip is powered off, and the second security chip is powered on, and the second security chip stores user account information of a digital currency account based on a cold electronic wallet technology;

In the cold and hot exchange state, the first security chip and the second security chip are powered on, and the second security chip has a function of performing data interaction with the first security chip;

In the hot storage state, the first security chip is powered on and the second security chip is powered off. The first security chip has a function of a conventional financial card and a function of a hot electronic wallet.

Beneficial effect

An embodiment of the present invention provides a smart card. The smart card is provided with two security chips. The smart card of this embodiment has three working states under the control of a working state switching circuit. In the hot storage state, the first security chip is powered off. The second security chip is powered on, and the second security chip can provide the function of a cold electronic wallet. In the hot and cold exchange state, the first and second security chips are both powered on and are in a non-networked state. Between the first security chip and the second security chip Data can be exchanged; in the hot storage state, the second security chip is powered off, and the first security chip has the function of a conventional financial card and the function of a hot electronic wallet. Based on the above-mentioned setting of the smart card, the smart card of this embodiment has cold and hot The functions of electronic wallets and conventional financial cards are greatly beneficial to the expansion and extension of traditional financial smart card applications to the digital currency field. When the second security chip is powered on, the smart card is in a non-networked state, ensuring the security of the account in the second security chip. And the cold and hot storage states of the smart card in this embodiment are based on the electrical and physical isolation of the power supply circuit It can be effective against malicious attacks from the network, with high security.

BRIEF DESCRIPTION OF THE DRAWINGS

In order to more clearly explain the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings in the following description are merely These are some embodiments of the present invention. For those skilled in the art, other drawings can be obtained according to these drawings without paying creative labor.

FIG. 1 is a schematic structural diagram of a smart card according to an embodiment of the present invention;

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

3 is a schematic structural diagram of another smart card according to an embodiment of the present invention;

FIG. 4 is a schematic structural diagram of another smart card according to an embodiment of the present invention.

Embodiments of the invention

In order to make the objectives, features, and advantages of the present invention more obvious and easier to understand, the technical solutions in the embodiments of the present invention will be described clearly and completely in combination with the accompanying drawings in the embodiments of the present invention. Obviously, the described The embodiments are only a part of the embodiments of the present invention, but not all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without making creative work fall into the protection scope of the present invention.

At present, the digital currency project is a very popular transaction item. In digital currency transactions, cold storage is favored by users for its high security, but the current cold electronic wallet is lacking in convenience and cannot be used for Users bring a good experience.

In order to enable users to use the cold electronic wallet more conveniently, an embodiment of the present invention proposes a smart card. Referring to FIG. 1, the smart card includes:

The first security chip 11 and the second security chip 12, an operating state switching circuit 13, and a power supply circuit 14;

The power supply circuit 14 is configured to supply power to the smart card;

The working state switching circuit 13 is connected to the first security chip 11, the second security chip 12, and the power supply circuit 14, respectively. The working state switching circuit 13 is used to switch the working state of the smart card. The smart card has the following three working states: cold storage state , Cold and heat exchange state and hot storage state;

Among them, in the cold storage state, the first security chip 11 is powered off and the second security chip 12 is powered on. The second security chip 12 stores user account information of the digital currency account based on the cold electronic wallet technology;

In the hot and cold exchange state, the first security chip 11 and the second security chip 12 are powered on, and the second security chip 12 has a function of performing data interaction with the first security chip 11;

In the hot storage state, the first security chip 11 is powered on and the second security chip 12 is powered off. The first security chip has a function of a conventional financial card and a function of a hot electronic wallet.

This embodiment implements a cold electronic wallet and its cold storage environment on a smart card, and a secure interaction environment between the cold electronic wallet and the hot electronic wallet. The cold and hot storage environment provided by the smart card in this embodiment is based on the existence of electrical physics Isolation. This physical isolation can effectively resist malicious attacks from the network, has high security, and the smart card of this embodiment has functions of cold storage and hot storage, which is more convenient.

In this embodiment, the power supply circuit 14 may be directly or indirectly connected to the first security chip 11, the second security chip 12, and the working state switching circuit 13, and when necessary, the first security chip 11, the second security chip 12, and the working The state switching circuit 13 is powered.

The first security chip 11 and the second security chip 12 in this embodiment may use a chip with higher security, for example, a financial-grade security chip. The financial-grade security chip has passed billions of security in the fields of finance, social security, health, etc. The market test can effectively resist side channels, error injection and physical intrusion attacks against integrated circuits. Even in the hot storage state, the security of financial-grade security chips is much higher than that of traditional PCs or mobile terminal APPs.

Optionally, the appearance form of the smart card package is adopted in this embodiment, which can be conveniently placed in a user's daily wallet and card bag, and is convenient to carry. Optionally, the thickness of the smart card in this embodiment does not exceed the thickness of a conventional financial card, and the length and width of the smart card match the length and width requirements of a conventional financial card.

In this embodiment, the first security chip 11 and the second security chip 12 are embedded with software modules. Optionally, the second security chip 12 is embedded with software required for cold storage, such as a cold electronic wallet application. A security chip 11 stores software that implements a hot storage function (such as a hot e-wallet application) and software for some conventional financial functions. The types of smart cards with financial functions in this embodiment include, but are not limited to, bank cards, financial social security cards, resident health cards, and the like.

In this embodiment, the first security chip 11 and the second security chip 12 can be interconnected by a universal standard input / output (I / O) interface, such as a serial peripheral interface (Serial Peripheral Interface (SPI), bus interface (Inter-Integrated Circuit, I2C), etc., but it is not limited to these interfaces. It can be understood that the interconnection of the first security chip 11 and the second security chip 12 does not mean that they can communicate at any time, but only when the connection between the first security chip and the second security chip is conducted (ie, Communication during cold and heat exchange). The on and off of the connection between the first security chip 11 and the second security chip 12 is controlled by the working state switching circuit 13, and the connection between the working state switching circuit 13 and the first and second security chips 11 and 12 is controlled. The specific conditions of the circuit connection depend on the specific structures of the first security chip 11, the second security chip 12, and the working state switching circuit 13, and there is no limitation in this embodiment.

Optionally, both the first security chip 11 and the second security chip 12 in this embodiment may be installed with software for generating a random number and / or a public key password; or, the first security chip 11 and the second security chip 12 is provided with a random number generator circuit and a public key cryptographic algorithm circuit.

In this embodiment, in the hot and cold exchange state, the first security chip 11 and the second security chip 12 can communicate with each other. The data exchanged between them includes, but is not limited to, the account information of the digital currency account, such as the cold and hot In the exchange state, the second security chip 12 sends the account information of the user's stored digital currency account (denoted as A for convenience of explanation) to the first security chip 11, and then, in the hot storage state, the first security chip 11 The transaction can be completed for the user using the account information of digital currency account A. Generally, in the agreement of digital currency, the old user needs to be discarded after the transaction with the digital currency account and the new user uses the digital currency account to store the user's digital currency. Therefore, in this embodiment, the user is using digital Currency account A is abandoned after the transaction. The first security chip is to use a new user's digital currency account to store the digital currency after the transaction. In this embodiment, these new user in-use digital currency accounts may be generated by the second security chip 12 and / or by the first security chip 11, which is not limited in this embodiment.

Optionally, in the cold storage state, the second security chip 12 has a function of generating and storing account information of the backup digital currency account; and / or, in the cold and hot exchange state, the first security chip 11 and the second security chip 12 have A function to generate account information for a backup digital currency account. After the digital currency transaction, a new user in-use digital currency account for storing digital currency can choose from these backup digital currency accounts.

In this embodiment, the account information of the digital currency account includes, but is not limited to, the address and private key of the digital currency account. In one example, the account information of the digital currency account may further include a public key corresponding to the private key in the account information. . In this embodiment, the first security chip and the second security chip may first generate a public-private key pair and derive an address according to the public key to obtain account information of a digital currency account.

Optionally, when generating backup digital currency accounts in the second security chip 12 and the first security chip 11, N backup digital currency accounts can be generated at one time. For example, 100 backup digital currency accounts can be generated at a time. The specific number can be This embodiment is not limited according to actual needs or the capability settings of the second security chip 12 and the first security chip 11. Further, N is not less than the number of destination addresses where users transfer (transaction) digital currency.

In this embodiment, the smart card is in a hot and cold exchange state, and has a function of changing the storage state of the user's digital currency account from a cold storage state to a hot storage state, or from a hot storage state to a cold storage state; optionally, In the hot and cold exchange state, the second security chip 12 of this embodiment has to send to the first security chip 11 the account information of the user's in-use digital currency account and / or the account information of the standby digital currency account, and The function of the security chip to read the account information of new users using digital currency accounts. Correspondingly, the first security chip has the function of reading the account information of the user in-use digital currency account and / or the backup digital currency account stored in the second security chip, and sending a new user in-use digital currency to the second security chip. The function of the account information of the account.

In this embodiment, the first security chip 11 may combine the account information of the backup digital currency account generated by itself and the account information of the backup digital currency account and / or the account information of the user's digital currency account received from the second security chip 12, Stored in its own non-volatile storage medium for security protection; the second security chip can store the public and private key pair and address generated by itself and the account information of the new user's digital currency account received from the first security chip , Stored in its own non-volatile storage medium for security protection.

Optionally, in the hot and cold exchange state, the first security chip and the second security chip in this embodiment are offline, and the offline state is understood as the first security chip and the second security chip cannot be directly or indirectly connected to the network. , The network includes, but is not limited to, a local area network, the Internet, etc. to prevent illegal users from illegally stealing data in the first security chip and the second security chip through the network

In one example, the smart card further includes a display circuit module. As shown in FIG. 2, the display circuit module includes a display 15 exposed on the smart card. The display circuit module is connected to the first security chip and the second security chip, respectively. . This display screen can be used to display the information in the first and second security chips, and / or the working status of the smart card, etc. It can be understood that the content displayed on the display screen is not limited to the previously listed content . Optionally, the type of the display includes a non-touch display (such as a quartz display) and a touch display.

According to the foregoing, it can be known that the smart card is in a hot and cold exchange state, the connection between the first security chip and the second security chip is conducted, and information can be transmitted between the first security chip and the second security chip. Which data is exchanged between the first security chip and the second security chip and from which party the data is transmitted to which party can be determined by the working state of the smart card before the hot and cold exchange state, for example, during the hot and cold exchange Before the state, the smart card is in a cold storage state, and after switching to the hot and cold exchange state, the second security chip sends the user's stored digital currency account account information and / or backup digital currency account account information to the first Security chip; or, before the hot and cold exchange state, the smart card is in the hot storage state, after switching to the hot and cold exchange state, the first security chip sends the account information of the new user's digital currency account stored in itself to the first Two security chips.

Optionally, for which data is exchanged between the first security chip and the second security chip and from which party the data is transmitted, which party can also be determined through operations in the hot storage state, such as in the hot storage state When the user inputs the next cold and hot exchange state to the first security chip through the external terminal connected to the smart card, the specific instruction needs to be executed (this instruction can indicate that when switching to the hot and cold storage state, it is the first security chip to the second security The chip sends data, such as sending new user's digital currency account information, or the first security chip acquires data from the second security chip, such as the user's digital currency account information stored in the first security chip. Optionally, this instruction Is a one-time instruction), when the smart card is switched to the hot and cold exchange state, the first security chip executes the specific instruction stored thereon, sends account information to the second security chip, or obtains account information from the second security chip.

Optionally, in order to more conveniently control the information interaction between the first security chip and the second security chip in the hot and cold switching state, in one example, the smart card further includes a keyboard input module, and the keyboard input module and the display circuit module Connected to the power supply circuit, the keyboard input module has keys exposed on the smart card, so that the user can control specific data interaction between the first security chip and the second security chip by triggering the keys. It can be understood that during actual use, the user interface can be displayed on the display screen. The user of the user interface can select different options on the user interface by operating the keys on the keyboard input module, and control the smart card to execute the selected options. and many more. Optionally, the functions of the keys of the keyboard input module include, but are not limited to, turning up, turning down, turning left, turning right, confirming, and so on. Optionally, the keyboard input module in this embodiment is packaged such that the thickness of the smart card does not exceed the standard thickness of a conventional financial card. Optionally, the keys in the keyboard input module may be press-type keys, thermal-sensitive keys, fingerprint-sensitive keys, and the like.

If the display is a touch display, and the display circuit module is a touch display circuit module, the touch display circuit module can receive a user's operation through the touch display to control the smart card. Optionally, the function of the working state switching circuit 13 may be integrated into the touch display circuit and implemented. Optionally, in the hot and cold exchange state, the touch display circuit module may receive a user operation through the touch display, and generate a control instruction and send it to a corresponding security chip (the first security chip and / or the second security chip). Wherein, the control instruction may be used to instruct the second security chip to send the account information of the backup digital currency account and / or the account information of the user using the digital currency account (selected by the user by operating the touch display screen) to the first security chip, Or the control instruction may be used to instruct the first security chip to send a new user's account letter in the digital currency account to the second security chip, and so on. For example, the control instruction is used to instruct the second security chip to send the account information of the user's digital currency account A stored by itself to the first security chip, or instruct the first security chip to store the user's digital currency account B's account stored by itself The information is sent to the second security chip and so on. Therefore, in this embodiment, data exchange between the first security chip and the second security chip can be implemented in an offline environment.

In the state of hot storage, to realize the functions of a hot electronic wallet or a conventional financial card, the first security chip needs to be able to interact with information from external terminals such as ATM machines. Therefore, in another example, as shown in FIG. 2, the The smart card also includes an interface module 16. The connection between the interface module 16 and the first security chip 11 may be conducted only in a hot storage state, or the connection between the interface module 16 and the first security chip 11 may be connected to the first security chip. 11 It is turned on after power-on, and the specific conduction condition depends on the specific function of the interface module 16. Through the interface module 16, when needed, the first security chip 11 can implement data interaction with an external terminal.

Optionally, in the hot and cold exchange state, the first security chip 11 in the smart card may establish a connection with an external terminal through the interface module 16, and the first security chip 11 may connect the information in itself and the second security chip 12 through the interface module 16. Sent to an external terminal, the user can set specific information for interaction between the first security chip 11 and the second security chip 12 through the interface displayed on the external terminal. The external terminal generates a control instruction according to the user's setting, and sends the control instruction to the first A security chip 11, wherein the control instruction carries identification information of a security chip executing the control instruction. For example, a control instruction instructs the second security chip to send the account information of the user's digital currency account A stored by itself to the first security chip, or instructs the first security chip to send the account information of the user's digital currency account B stored by itself. Give the second security chip and so on.

Optionally, in the hot and cold exchange state, the first security chip in the smart card receives the control instruction of the external terminal through the interface module, and the control instruction is used to instruct the second security chip to send the account information of the backup digital currency account stored by itself and / Or the user's digital currency account (this account is a user's digital currency account selected by a user through an external terminal, and the number of user's digital currency accounts can be one or more) to the first security chip, or The first security chip is instructed to send a new user account letter in the digital currency account to the second security chip.

Optionally, the interface module 16 is a contact interface module (161 in FIG. 2, usually using the ISO7816 protocol for data interaction) or a contactless interface module (162 in FIG. 2, usually using the ISO14443 protocol for data interaction). The contact interface module may be a non-contact coupling antenna circuit module, but is not limited thereto. Depending on the type of interface module, the smart card can be connected to the external terminal by inserting it into the external terminal or contactlessly. In the hot and cold exchange state, the external terminal connected to the smart card needs to be offline, avoiding two security chips, especially The information in the second security chip is illegally obtained through the network, such as that the account information of a user in the second security chip using a digital currency account is illegally obtained, and so on. Optionally, in this embodiment, in the hot and cold exchange state, the first security chip is further used to detect whether the external terminal connected to the smart card is offline. If the external terminal is offline, the user is prompted that the external terminal is connected to the network. Status, the information in the smart card is at risk of being stolen so that the user can disconnect the network connection of the external terminal. Optionally, the first security chip may prompt the user that the external terminal is in a networked state through its own display module, or that the external terminal connected by the first security chip through the smart card prompts the user that the external terminal is in a networked state by voice, display, vibration, or the like.

In this embodiment, the interface module may be integrated on the first security chip, or may be provided separately from the first security chip, which is not limited in this embodiment.

In order to further ensure the security of data exchange between the first and second security chips in the hot and cold exchange state, the first and second security chips exchange data through the encrypted channel in the cold and hot exchange state. The information encryption method in this embodiment No limit, for example, using Advanced Encryption Standard (AES) cryptographic algorithms. In the hot and cold exchange state, the second security chip encrypts the data to be transmitted by using the agreed information encryption method and sends it to the first security chip. After receiving the data sent by the second security chip, the first security chip adopts the corresponding The information is decrypted in a decryption manner, and the decrypted data is stored in its own non-volatile storage medium; similarly, the first security chip encrypts the data to be transmitted using the agreed information encryption method and sends it to the second security chip. After receiving the data sent by the first security chip, the second security chip uses the corresponding information decryption method to decrypt, and stores the decrypted data in its own non-volatile storage medium.

In this embodiment, in the hot storage state, the second security chip is powered off, and the information therein is offline and cannot be stolen by external devices. The first security chip can establish a connection with an external device through an interface module. The types of external terminals include, but are not limited to, terminal devices such as card readers, POS machines, and ATM machines.

In the hot storage state, if the first security chip is connected to an external terminal through an interface module, the first security chip can implement conventional financial transactions and digital currency transactions through a networked external terminal. The transaction includes depositing digital currency in the address of the alternate digital currency account to obtain a new user's digital currency account, or transferring the digital currency in the address of the user's digital currency account received from the second security chip to at least Obtain at least one new user in a standby digital currency account using a digital currency account and so on.

Optionally, in the hot storage state, the first security chip 11 may be connected to an external terminal through a smart card. On the one hand, the first security chip has the original function of the smart card in which it is located (that is, the second security chip is not added to the smart card, and the When the state switching circuit and power supply circuit, the smart card originally had functions). For example, if the smart card was originally a bank card, the first security chip has all the functions of the bank card. , The first security chip has the function of a social security card. When the user is in the hospital, the first security chip can assist external terminals to complete operations such as registration and payment. For example, the smart card was originally a transportation card. Function, for example, the smart card was originally a provident fund card, then the first security chip has the function of provident fund card and so on.

On the other hand, the first security chip may have a function of a hot electronic wallet, such as synchronizing currency transfer (transaction) information with a digital currency server through an external terminal. In order to further ensure the security of information and avoid illegal theft of account information on digital currency accounts, optionally, the first security chip is also used to send at least new users who use the second security chip after digital currency transactions. Destroy account information for digital currency accounts.

Further, the first security chip is also used to destroy the digital currency account information and the account information of the backup digital currency account sent by the second security chip after the digital currency transaction, and destroy the backup digital currency account generated by itself. The account information and the new user sent to the second security chip are destroying the account information of the digital currency account. The methods of destruction in this example include, but are not limited to, erasure.

Optionally, the power supply circuit in this embodiment includes a thin film battery, and the packaging of the thin film battery should be such that the thickness of the smart card does not exceed the standard thickness of a conventional financial card.

In the cold storage state, the thin film battery powers the second security chip 12; in the cold and heat exchange state, the thin film battery powers the first security chip 11 and the second security chip 12; in the hot storage state, the thin film battery and the first security chip 11 The power connection is disconnected, and the connection between the first security chip 11 and the interface circuit 16 is conducted. If the first security chip 11 establishes communication with the external terminal through the interface circuit 16, the first security chip 11 receives the external terminal through the interface circuit 16. Power supply.

Further, in the hot storage state, if the smart card is inserted into the external terminal and the smart card establishes a connection with the external terminal through the contact interface module, the first security chip receives power from the external terminal through the interface circuit; in the hot storage state, if the smart card is in the external terminal In the magnetic field of the magnetic card, the smart card establishes a connection with the external terminal through the non-contact coupling antenna circuit module, and the first security chip receives power from the external terminal through the non-contact coupling antenna circuit module.

Optionally, in this embodiment, the working state switching circuit 13 in FIG. 1 is a key switching circuit. The key switching circuit includes keys exposed on the smart card so that the user can switch the working state of the smart card by triggering the keys.

Optionally, the function of the key switch circuit may be implemented by the above-mentioned touch display circuit circuit module, the function of the key is implemented by the touch display circuit in the touch display circuit module, and the touch display circuit module and the first safety The chip is connected to the second security chip and the power supply module. The touch display is used to receive the user's touch operation. The user can switch at least three functional states of the smart card by operating on the touch display. The processing sub-module can receive the user's operation through the touch display. According to the operation of the user, a corresponding switching instruction is generated to control the switching of the working state of the smart card and the like.

Optionally, the key switch circuit in this embodiment may be various types of switch circuits, such as a paddle switch circuit, a membrane switch circuit, and the like, which is not limited in this embodiment. Optionally, if the key switch circuit is a paddle switch circuit (131 in FIG. 3), the key is a paddle in a paddle switch circuit (such as 1311 in FIG. 3, the paddle is exposed on the smart card). The switching circuit is a membrane switch circuit (132 in FIG. 4), the keys are touch modules in the membrane switch circuit (such as 1321, 1322, and 1323 in FIG. 4, three are exposed to the smart card), the touch module is exposed to the smart card, and the membrane switch The circuit determines the working state of the smart card selected by the user by acquiring the touch condition of the touch module by the user to switch the working state of the smart card.

Referring to FIG. 3, the paddle switch 131 of this embodiment can be set with three gear positions, each gear position corresponding to one of the three working states of the smart card. Of course, different gear positions correspond to different working states; Under which user's control the upper paddle stays in which gear, the working state of the smart card is switched to the working state corresponding to the gear. Optionally, when the smart card uses a paddle switch circuit, after the smart card is powered on or reset, in which gear position the paddle switch is located, the state of the smart card is the state corresponding to the gear position.

Referring to FIG. 4, the membrane switch of this embodiment may be provided with three touch modules (as shown in FIG. 4, 1321, 1322, and 1323 are three touch modules), and each touch module corresponds to one of three working states of the smart card. Of course, different touch modules correspond to different working states. The three touch modules are exposed on the smart card. The touch modules may be a push-type touch module, a thermal-sensitive touch module, a fingerprint-sensitive touch module, and so on. This embodiment is not limited to this. Optionally, when the smart card uses a membrane switch circuit, the smart card defaults to a hot storage state after the smart card is powered on or reset.

Optionally, the implementation forms of the paddle switch circuit and the membrane switch circuit of this embodiment include, but are not limited to, a mechanical multiplex control switch circuit and a transistor multiplex control switch circuit.

Optionally, the package of the key switch circuit in this embodiment should not make the smart card exceed the standard thickness.

An embodiment of the present invention proposes a smart card having two security chips. The card has three working states under the control of a working state switching circuit. In a hot storage state, the first security chip is powered off and the second security chip is powered on. The second security chip can provide the function of a cold electronic wallet; in the hot and cold exchange state, the first and second security chips are powered on and are offline, and the first and second security chips can exchange data; in the hot storage state, The second security chip is powered off, and the first security chip has the functions of a conventional financial card and a hot electronic wallet. Therefore, the smart card has the functions of a cold and hot electronic wallet and a conventional financial card, which is greatly beneficial to the application of traditional financial smart cards to digital The expansion and extension of the currency field. When the second security chip is powered on, the smart card is offline, ensuring the security of the account in the second security chip, and the cold and hot storage status of the smart card in this embodiment is based on the electrical and physical isolation of the power supply circuit. Extremely safe.

In the several embodiments provided in this application, it should be understood that the disclosed device may be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of modules is only a logical function division. In actual implementation, there may be another division manner. For example, multiple modules or components may be combined or integrated. To another system, or some features can be ignored or not implemented. In addition, the displayed or discussed mutual coupling or direct coupling or communication connection may be indirect coupling or communication connection through some interfaces, devices or modules, which may be electrical, mechanical or other forms.

The modules described as separate components may or may not be physically separated, and the components displayed as modules may or may not be physical modules, that is, they may be located in one place, or may be distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the objective of the solution of this embodiment.

In addition, each functional module in each embodiment of the present invention may be integrated into one processing module, or each module may exist separately physically, or two or more modules may be integrated into one module. The above integrated modules may be implemented in the form of hardware or software functional modules.

The above is a description of a smart card provided by the present invention. For those skilled in the art, according to the ideas of the embodiments of the present invention, there will be changes in the specific implementation and application scope. In summary, the content of this description is not It should be understood as limiting the present invention.

Claims

A smart card is characterized by comprising: a first security chip, a second security chip, a working state switching circuit, and a power supply circuit;

The power supply circuit is configured to supply power to the smart card;

The working state switching circuit is respectively connected to the first security chip, the second security chip, and the power supply circuit, and the working state switching circuit is used to switch the working state of the smart card, wherein the smart card exists The following three working states: cold storage state, cold and hot exchange state, and hot storage state;

Wherein, in the cold storage state, the first security chip is powered off, and the second security chip is powered on, and the second security chip stores user account information of a digital currency account based on a cold electronic wallet technology;

In the cold and hot exchange state, the first security chip and the second security chip are powered on, and the second security chip has a function of performing data interaction with the first security chip;

In the hot storage state, the first security chip is powered on and the second security chip is powered off. The first security chip has a function of a conventional financial card and a function of a hot electronic wallet.
The smart card according to claim 1, wherein in the cold storage state, the second security chip has a function of generating and storing account information of a backup digital currency account;

And / or, in the cold and hot exchange state, the first security chip and the second security chip have a function of generating account information of a backup digital currency account.
The smart card according to claim 2, characterized in that, in the cold and hot exchange state, the second security chip has to send the account information of the user's digital currency account to the first security chip and / Or the account information of the backup digital currency account, and the function of reading the account information of the new user's digital currency account from the first security chip.
The smart card of claim 1, wherein the smart card further comprises an interface circuit, and the power supply circuit comprises a thin film battery;

In the cold storage state, the thin film battery powers the second security chip; in the cold and heat exchange state, the thin film battery powers the first security chip and the second security chip; In the thermal storage state, the power supply connection between the thin film battery and the first security chip is disconnected, and the connection between the first security chip and the interface circuit is conducted. When the interface circuit establishes a connection with an external terminal, the first security chip receives power from the external terminal through the interface circuit.
The smart card according to claim 1, wherein the smart card further comprises a display circuit module, and the display circuit module includes a display screen exposed from the smart card, and the display circuit module is respectively connected with the first display circuit module. A security chip is connected to the second security chip.
The smart card according to any one of claims 1-5, wherein the working state switching circuit is a key switching circuit, and the key switching circuit includes keys exposed from the smart card, so that a user can trigger the keys by In a manner that switches the working state of the smart card.
The smart card according to claim 6, wherein the key switching circuit is a membrane switch circuit, and the keys are touch modules in the membrane switch circuit, and the smart card is powered on or reset after the smart card is powered on. It is a hot storage state.
The smart card according to any one of claims 1-5, wherein in the cold and hot exchange state, the first security chip and the second security chip are offline, and the first security chip Data transmission with the second security chip through an encrypted channel.
The smart card according to any one of claims 1-5, wherein the first security chip is further configured to be used by at least a new user sent to the second security chip after a digital currency transaction. Destroy account information for digital currency accounts.
The smart card according to any one of claims 1-5, wherein the first security chip and the second security chip are financial-grade security chips.