CN104598956A - Chip card and working method thereof - Google Patents
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- CN104598956A CN104598956A CN201510029412.2A CN201510029412A CN104598956A CN 104598956 A CN104598956 A CN 104598956A CN 201510029412 A CN201510029412 A CN 201510029412A CN 104598956 A CN104598956 A CN 104598956A
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Abstract
The embodiment of the invention provides a chip card and a working method thereof. The chip card is that a noncontact induction coil, a sensitive pressure switch, a safety chip controller and an intelligent chip are packaged into a chip of the chip card; the sensitive pressure switch is used for disconnecting or connecting the noncontact induction coil; the noncontact induction coil is disconnected when the sensitive pressure switch is off, and forms a closed loop when the sensitive pressure switch is on; a communication channel is formed for a terminal device through radio wave; the safety chip controller is used for receiving a transaction request from the terminal device and transferring the transaction request to the intelligent chip; the intelligent chip performs the operation corresponding to the transaction according to the transaction request. According to the scheme, the chip card has the advantage that a user can control the payment operation authority of the chip card, and thus the safety of offline payment of the chip card can be improved.
Description
Technical field
The present invention relates to chip card technical field, particularly a kind of chip card and method of work thereof.
Background technology
The security of chip card is high, have powerful extendability and many applications, chip card technology obtains promotion and application in the every field that financial telecommunications, public transport, medical insurance social security, education, the tax, road and bridge parking management, communication and logistics, gate inhibition's security etc. are closely bound up with life.In order to easy to use, the chip card of a lot of industry all supports the rapid payment mode exempting to sign a bill or exempt to input password, especially a large amount of chip card used in the industries such as public transport, mobile payment, high-speed railway.This chip card encapsulates the electronic tag of band antenna usually in common card, electronic cash is stored in card, can not by server authentication on network during use, but adopt the mode of off-line to pay, thus substantially increase payment speed, but there will be in the actual use of this card holder swipe the card mode improper cause chip card to repeat to deduct fees or chip card unintentionally near machine for punching the card by the situation of brushing by mistake, cause holder's monetary losses, lawless person is even had to utilize this leak malice to use mobile POS near holder, cause chip card brush or the robber's brush by mistake to holder, affect holder's fund security.
In addition, having the chip card of offline electronic payment function at present, is all the pattern taking stored value card substantially, this pattern, because carry out offline electronic payment, cannot go up server authentication password, so once loss just cannot be reported the loss, in card, fund is also easily usurped by other people, affects holder's fund security.
Summary of the invention
Embodiments provide a kind of chip card, to improve the security of chip card offline electronic payment.This chip card comprises: be packaged with noncontact inductive coil in the card of chip card, quickly compress switch, safety chip controller and intelligent chip, wherein, describedly quickly compressing switch, being connected with described noncontact inductive coil, for disconnecting or closed described noncontact inductive coil; Described noncontact inductive coil, for described quick compress switch close time disconnect, described quick compress switch open time formed closed-loop path, set up communication channel by radiowave and terminal device; Described safety chip controller, is connected with described noncontact inductive coil, for receiving the transaction request that described terminal device sends, and described transaction request is transmitted to described intelligent chip; Described intelligent chip, for carrying out the operation corresponding to transaction according to described transaction request.
In one embodiment, described quick compressing switch compresses switch for button is quick, press described quick compress switch after, described quick compressing switch stays open state, and described noncontact inductive coil is kept closed; When again press described quick compress switch after, the described quick maintenance closed condition that compresses switch, described noncontact inductive coil remains open state.
In one embodiment, describedly quickly compress switch as touch-tone quick the compressing switch that automatically reset, press described quick when compressing switch, described quick compressing switch stays open state, described noncontact inductive coil is kept closed, stop pressing described quick when compressing switch, described quick compressing switch automatically resets as closed condition, and described noncontact inductive coil automatically resets the state of being off.
In one embodiment, described quick compressing switch comprises: Acquisition Circuit, for gathering the human body biological characteristics of user's input; Comparer, whether the human body biological characteristics for the human body biological characteristics with storage that compare collection is consistent; Trigger, for when the human body biological characteristics gathered is consistent with the human body biological characteristics of storage, triggers described quick compressing switch and opens.
In one embodiment, described intelligent chip comprises: communication module, is connected with described safety chip controller, for receiving described transaction request, and described transaction request is transmitted to transaction modules; Financial application module, for storing default financial payment switch mark; Described transaction modules, with described communication module and described financial application model calling, for reading the default financial payment switch mark stored in financial application module according to described transaction request, and when judging described default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, do not allow chip card to conclude the business.
In one embodiment, described financial application module is also for storing default check information, and described chip card also comprises: input equipment, is connected with described safety chip controller, for receiving the check information of user's input; Described intelligent chip also comprises: cryptographic handling module, be connected with described communication module, the cryptographic check request that the described safety chip controller forwarded for receiving described communication module sends, and from described financial application module, read default check information according to described cryptographic check request, and when judging that described default check information is consistent with the check information of input, described chip card is allowed to conclude the business, otherwise, described chip card is not allowed to conclude the business, wherein, described cryptographic check request comprises the check information of input.
In one embodiment, also comprise: display, be connected with described safety chip controller, check information, described transaction modules for showing user's input that described input equipment receives judge that whether described default financial payment switch mark is that the result opened and described cryptographic handling module judge the result whether described default check information is consistent with the check information of input.
In one embodiment, described input equipment, also for receiving the request of the described default financial payment switch mark of change of user's input; Described intelligent chip also comprises: pay switch process module, be connected with described communication module, after judging that at described cryptographic handling module described default check information is consistent with the check information of input, the request of the described default financial payment switch mark of change of received communication module forwards, receive and change described default financial payment switch mark according to the order of the described default financial payment switch mark of change of user's input, and the default financial payment switch mark after change is stored in described financial application module.
In one embodiment, described input equipment, the request of check information is preset in the change also for receiving user's input; Described cryptographic handling module, also for after judging that described default check information is consistent with the check information of input, receive the request of the described default check information of change of the described safety chip controller transmission that described communication module forwards, receive and change described default check information according to the order of the described default check information of change of user's input, and the default check information after change is stored in described financial application module.
In one embodiment, also comprise: power supply, be connected with described safety chip controller, for being described safety chip controller, described input equipment and described monitor power supply.
The embodiment of the present invention additionally provides a kind of method of work of above-mentioned arbitrary chip card, to improve the security of chip card offline electronic payment.The method comprises: described quick compress switch open time, described noncontact inductive coil forms closed-loop path, sets up communication channel by radiowave and terminal device; The communication channel that described safety chip controller is set up by described noncontact inductive coil, receives the transaction request that described terminal device sends, and described transaction request is transmitted to described intelligent chip; Described intelligent chip carries out the operation corresponding to transaction according to described transaction request.
In one embodiment, state intelligent chip and carry out the operation corresponding to transaction according to described transaction request, comprise: the communication module in described intelligent chip, receive the described transaction request that described safety chip controller forwards, and described transaction request is transmitted to the transaction modules in described intelligent chip; Described transaction modules reads the default financial payment switch mark stored in financial application module according to described transaction request, and when judging described default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, do not allow chip card to conclude the business.
In one embodiment, described financial application module is also for storing default check information; The input equipment that described chip card is arranged receives the check information of user's input; Cryptographic handling module in described intelligent chip, receive the cryptographic check request of the described safety chip controller transmission that described communication module forwards, and from described financial application module, read default check information according to described cryptographic check request, and when judging that described default check information is consistent with the check information of input, described chip card is allowed to conclude the business, otherwise, do not allow described chip card to conclude the business, wherein, described cryptographic check request comprises the check information of input.
In one embodiment, check information, described transaction modules that the display described chip card arranged shows user's input that described input equipment receives judge that whether described default financial payment switch mark is that the result opened and described cryptographic handling module judge the result whether described default check information is consistent with the check information of input.
In one embodiment, described input equipment also receives the request of the described default financial payment switch mark of change of user's input; Payment switch process module in described intelligent chip, after described cryptographic handling module judges that described default check information is consistent with the check information of input, the request of the described default financial payment switch mark of change of received communication module forwards, receive and change described default financial payment switch mark according to the order of the described default financial payment switch mark of change of user's input, and the default financial payment switch mark after change is stored in described financial application module.
In one embodiment, the request of check information is preset in the change that described input equipment also receives user's input; Described cryptographic handling module, after judging that described default check information is consistent with the check information of input, receive the request of the described default check information of change of the described safety chip controller transmission that described communication module forwards, receive and change described default check information according to the order of the described default check information of change of user's input, and the default check information after change is stored in described financial application module.
In one embodiment, the power supply in described chip card is adopted to be described safety chip controller, described input equipment and described monitor power supply.
In embodiments of the present invention, by the quick disconnection that controls noncontact inductive coil or closed that compresses switch, quick compress switch close time, noncontact inductive coil disconnects, and cannot set up communication channel, cannot realize transactional operation by radiowave and terminal device; Quick compress switch open time noncontact inductive coil form closed-loop path, noncontact inductive coil sets up communication channel by radiowave and terminal device, the transaction request that receiving terminal apparatus sends, and transaction request is transmitted to intelligent chip, and then intelligent chip can carry out the operation corresponding to transaction according to transaction request.Achieving user can by controlling the quick closedown compressed switch and the financial payment operating right opening control chip card, such as when user does not use chip card, user can control quick compress switch into close, to avoid the mistake brush of chip card or to steal brush, compared with the offline electronic payment technology of prior art chips card, improve the security of chip card offline electronic payment.
Accompanying drawing explanation
Accompanying drawing described herein is used to provide a further understanding of the present invention, forms a application's part, does not form limitation of the invention.In the accompanying drawings:
Fig. 1 is the circuit structure diagram of a kind of chip card that the embodiment of the present invention provides;
Fig. 2 is the structural drawing of a kind of intelligent chip that the embodiment of the present invention provides;
Fig. 3 is the outside drawing of a kind of chip card that the embodiment of the present invention provides;
Fig. 4 is the process flow diagram that a kind of terminal device that the embodiment of the present invention provides accepts chip card;
Fig. 5 is the process flow diagram of a kind of chip card amendment local password that the embodiment of the present invention provides;
Fig. 6 is the process flow diagram of a kind of chip card amendment financial payment switch that the embodiment of the present invention provides;
Fig. 7 is the process flow diagram of a kind of chip card method of work that the embodiment of the present invention provides.
Embodiment
For making the object, technical solutions and advantages of the present invention clearly understand, below in conjunction with embodiment and accompanying drawing, the present invention is described in further details.At this, exemplary embodiment of the present invention and illustrating for explaining the present invention, but not as a limitation of the invention.
Inventor finds, the low reason of prior art chips card offline electronic payment security is that chip card is all adopt the offline electronic payment mode exempting to sign a bill or exempt to input password, therefore the chip card that a kind of user of proposition can operate the financial payment authority of chip card is considered, to improve the security of chip card offline electronic payment.
Based on this, in embodiments of the present invention, provide a kind of chip card, as shown in Figure 1, this chip card comprises: be packaged with noncontact inductive coil 06 in the card of chip card, quickly compress switch 07, safety chip controller 02 and intelligent chip 01, wherein,
Describedly quickly compressing switch 07, being connected with described noncontact inductive coil 06, for disconnecting or closed described noncontact inductive coil;
Described noncontact inductive coil 06, for described quick compress switch close time disconnect, described quick compress switch open time formed closed-loop path, set up communication channel by radiowave and terminal device;
Described safety chip controller 02, is connected with described noncontact inductive coil, for receiving the transaction request that described terminal device sends, and described transaction request is transmitted to described intelligent chip;
Described intelligent chip 01, for carrying out the operation corresponding to transaction according to described transaction request.
Known as shown in Figure 1, in embodiments of the present invention, by the quick disconnection or closed controlling noncontact inductive coil that compresses switch, quick compress switch close time, noncontact inductive coil disconnects, and cannot set up communication channel, cannot realize transactional operation by radiowave and terminal device; Quick compress switch open time noncontact inductive coil form closed-loop path, noncontact inductive coil sets up communication channel by radiowave and terminal device, the transaction request that receiving terminal apparatus sends, and transaction request is transmitted to intelligent chip, and then intelligent chip can carry out the operation corresponding to transaction according to transaction request.Achieving user can by controlling the quick closedown compressed switch and the financial payment operating right opening control chip card, such as when user does not use chip card, user can control quick compress switch into close, to avoid the mistake brush of chip card or to steal brush, compared with the offline electronic payment technology of prior art chips card, improve the security of chip card offline electronic payment.
During concrete enforcement, described quick compressing switch 07 can compress switch for button is quick, press described quick compress switch after, described quick compressing switch stays open state, and described noncontact inductive coil is kept closed; When again press described quick compress switch after, the described quick maintenance closed condition that compresses switch, described noncontact inductive coil remains open state.Described quick compressing switch can also be touch-tone quick the compressing switch that automatically reset, press described quick when compressing switch, described quick compressing switch stays open state, described noncontact inductive coil is kept closed, stop pressing described quick when compressing switch, described quick compressing switch automatically resets as closed condition, and described noncontact inductive coil automatically resets the state of being off.Such as, only pin when concluding the business and quickly compress switch 07, noncontact inductive coil 06 just can close, and has concluded the business, and decontrols quickly to compress switch 07, and noncontact inductive coil 06 automatically resets the state of being off.
During concrete enforcement, safer in order to conclude the business, above-mentioned quick compressing switch 07 can also be controlled by human body biological characteristics, and above-mentioned quick compressing switch 07 comprises: Acquisition Circuit, for gathering the human body biological characteristics (such as, fingerprint) of user's input; Comparer, whether the human body biological characteristics for the human body biological characteristics with storage that compare collection is consistent; Trigger, for when the human body biological characteristics gathered is consistent with the human body biological characteristics of storage, triggers described quick compressing switch and opens.Concrete, above-mentioned Acquisition Circuit can be connected with input equipment, gather the human body biological characteristics of user's input, whether the human body biological characteristics that comparer compares collection is consistent with the human body biological characteristics of storage, the human body biological characteristics stored can be holder, when making to be only holder's input human body biological characteristics, trigger just triggers described quick compressing switch and opens.
During concrete enforcement, in order to can neatly, the financial payment operating right of diversely control chip card, in the present embodiment, can also be realized by the mode of default financial payment switch mark, as shown in Figure 1, 2, described intelligent chip 01 comprises:
Communication module 10, is connected with described safety chip controller 02, for receiving described transaction request, and described transaction request is transmitted to transaction modules;
Described financial application module 09, for storing default financial payment switch mark 08;
Described transaction modules 11, with described communication module and described financial application model calling, for reading the default financial payment switch mark stored in financial application module according to described transaction request, and when judging described default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, do not allow chip card to conclude the business.Namely user can carry out the financial payment operating right of control chip card by arranging default financial payment switch mark, such as after user does not use chip card or chip card is lost, default financial payment switch mark can be set to close by user, avoid the mistake brush of chip card or steal brush, to improve the security of chip card offline electronic payment.
During concrete enforcement, above-mentioned safety chip controller 02 is connected with noncontact inductive coil 06 and intelligent chip 01 by integrated circuit, the communication realizing between intelligent chip 01 and terminal device by using the communication protocol of similar single-wire-protocol and so on.Concrete, intelligent chip 01 is the core component realizing financial payment switching function based on chip card, intelligent chip 01 is made up of the software of support card operating system and chip circuit, chip can use the product such as Infineon, NXP semiconductor company, chip model can be P5CD041, P5CD081 etc., supports RSA Algorithm, domestic SM2 algorithm.Intelligent chip 01 detailed construction can see accompanying drawing 2.
During concrete enforcement, in order to improve the security of chip card offline electronic payment further, in the present embodiment, described financial application module 09 is also for storing default check information, as shown in Figure 1, described chip card also comprises: input equipment 03, is connected with described safety chip controller 02, for receiving the check information of user's input; As shown in Figure 2, described intelligent chip 01 also comprises: cryptographic handling module 12, be connected with described communication module 10, the cryptographic check request that the described safety chip controller forwarded for receiving described communication module sends, and from described financial application module, read default check information according to described cryptographic check request, and when judging that described default check information is consistent with the check information of input, described chip card is allowed to conclude the business, otherwise, described chip card is not allowed to conclude the business, wherein, described cryptographic check request comprises the check information of input.Namely chip card improves the security of chip card transaction further by the checking of check information, such as, check information can be local password, default check information can be the local password of user preset, local password is only open to holder, chip card security in use can be ensured, when cryptographic handling module 12 judges that the password that user is inputted by input equipment 03 is consistent with the preset password stored in financial application module 09, chip card is allowed to conclude the business, the information of Transaction Success can be returned to terminal device, otherwise, chip card is not allowed to conclude the business, the information of Fail Transaction can be returned to terminal device.The concrete form of input equipment 03 can be input keyboard.
Check intuitively for the ease of user and examine the information content of input, in the present embodiment, as shown in Figure 1, chip card also comprises: display 04 (such as, display screen), be connected with described safety chip controller 02, for showing the check information of user's input that described input equipment receives (such as, the local password of user's input), described transaction modules judge described default financial payment switch mark be whether the result opened (such as, when presetting financial payment switch mark for closing, show the information of Fail Transaction to user) and described cryptographic handling module judge the described default check information result whether consistent with the check information of input (such as, when the check information of default check information and input is inconsistent, the information of code error is shown) to user.
While the security of raising chip card offline electronic payment, be convenient to again user and check the surface structure of the chip card of input information and operating result as shown in Figure 3.
For the ease of user flexibility ground control chip card financial payment authority, in the present embodiment, described input equipment 03, also for receiving the request of the described default financial payment switch mark of change of user's input; As shown in Figure 2, described intelligent chip 01 also comprises: pay switch process module 13, be connected with described communication mould 10 pieces, after judging that described default check information is consistent with the check information of input at described cryptographic handling module 12, the request of the described default financial payment switch mark of change of received communication module forwards, receive and change described default financial payment switch mark according to the order of the described default financial payment switch mark of change of user's input, and the default financial payment switch mark after change is stored in described financial application module 09.
During concrete enforcement, in order to meet the different demands of user, improve user experience, in the present embodiment, described input equipment 03, the request of check information is preset in the change also for receiving user's input; Described cryptographic handling module 12, also for after judging that described default check information is consistent with the check information of input, receive the request of the described default check information of change of the described safety chip controller transmission that described communication module forwards, receive and change described default check information according to the order of the described default check information of change of user's input, and the default check information after change is stored in described financial application module.
During concrete enforcement, as shown in Figure 1, described chip card also comprises: power supply 05, is connected with described safety chip controller 02, for being described safety chip controller, described input equipment and described monitor power supply.This power acquisition intelligent chip 01 accepts the modes such as external power source charging or solar recharging.
Describe said chip card in detail below in conjunction with concrete example, Fig. 4 is the process flow diagram that terminal device accepts chip card, and as shown in Figure 4, this process comprises the following steps:
Step 401, terminal device initiates transaction request to chip card;
Step 402, the communication module 10 in the intelligent chip of chip card is obtained and the transaction request of receiving terminal apparatus by chip secure controller, and is transmitted to transaction modules 11;
Step 403, transaction modules 11 reads the financial payment switch mark be stored in intelligent chip financial application module 09, and transaction modules 11 identifies financial payment switch sign and judges, if this mark is closed, then performs 406 steps; Otherwise perform 404 steps;
Step 404, terminal reads the financial industry application data be stored in chip financial application module 09 data relevant with credit card issuer chip authentication, carries out the legitimacy of calibrating chip card.If verification is not passed through, then perform 406 steps; Otherwise perform 405 steps;
Step 405, transaction modules 11 completes transaction data process, and returns terminal device transaction data process successful result;
Step 406, transaction flow terminates, and returns terminal device transaction unsuccessful.
Fig. 5 is chip card of the present invention amendment local password (i.e. check information) process flow diagram.Need following steps be performed when representing amendment local password in figure:
Step 501, the input keyboard 03 carried by chip card carries out out electricity, after chip card energising, input keyboard 03 inputs correct local password;
Step 502, cryptographic handling module 12 reads the local password being stored in and presetting in chip financial application module 07, the password of holder's input on this password and input keyboard 03 is carried out match check, if verification is not passed through, then performs 506 steps; Otherwise perform 503 steps;
Step 503, input keyboard 03 inputs local password amendment requirement;
Step 504, after cryptographic handling module 12 identifies that local password amendment requires, return on display screen 04 and input new password, after holder inputs new password on input keyboard 03, new password covers and is kept at inside chip financial application module 09 by cryptographic handling module 12;
Step 505, returns display screen 04 password successfully modified;
Step 506, display screen 04 shows local password input error, and transaction flow terminates.
Fig. 6 is that the present invention assigns to chip card amendment financial payment switch process flow diagram.Need following steps be performed when representing amendment financial payment switch in figure:
Step 601, the input keyboard 03 carried by chip card carries out out electricity, after chip card energising, input keyboard 03 inputs correct local password;
Step 602, cryptographic handling module 12 reads the local password being stored in and presetting in chip financial application module 09, the password of holder's input on this password and input keyboard 03 is carried out match check, if verification is not passed through, then performs 606 steps; Otherwise perform 603 steps;
Step 603, input keyboard 03 inputs financial payment switch amendment requirement;
Step 604, after payment switch process module 13 in intelligent chip identifies that the amendment of financial payment switch requires, return on display screen 04 and point out input switch order, holder after input switch order, pays switch process module 13 and is covered by switch sign and be kept at inside chip financial application module 09 on input keyboard 03;
Step 605, returns display screen 04 password financial payment switch successfully modified;
Step 606, display screen 04 shows local password input error, and transaction flow terminates.
Based on any one chip card above-mentioned, the embodiment of the present invention additionally provides a kind of method of work of chip card, and as shown in Figure 7, the method comprises:
Step 701: described quick compress switch open time, described noncontact inductive coil forms closed-loop path, sets up communication channel by radiowave and terminal device;
Step 702: the communication channel that described safety chip controller is set up by described noncontact inductive coil, receives the transaction request that described terminal device sends, and described transaction request is transmitted to described intelligent chip;
Step 703: described intelligent chip carries out the operation corresponding to transaction according to described transaction request.
In one embodiment, described intelligent chip carries out the operation corresponding to transaction according to described transaction request, comprise: the communication module in described intelligent chip, receive the described transaction request that described safety chip controller forwards, and described transaction request is transmitted to the transaction modules in described intelligent chip; Described transaction modules reads the default financial payment switch mark stored in financial application module according to described transaction request, and when judging described default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, do not allow chip card to conclude the business.
In one embodiment, described financial application module is also for storing default check information; The input equipment that described chip card is arranged receives the check information of user's input; Cryptographic handling module in described intelligent chip, receive the cryptographic check request of the described safety chip controller transmission that described communication module forwards, and from described financial application module, read default check information according to described cryptographic check request, and when judging that described default check information is consistent with the check information of input, described chip card is allowed to conclude the business, otherwise, do not allow described chip card to conclude the business, wherein, described cryptographic check request comprises the check information of input.
In one embodiment, check information, described transaction modules that the display described chip card arranged shows user's input that described input equipment receives judge that whether described default financial payment switch mark is that the result opened and described cryptographic handling module judge the result whether described default check information is consistent with the check information of input.
In one embodiment, described input equipment also receives the request of the described default financial payment switch mark of change of user's input; Payment switch process module in described intelligent chip, after described cryptographic handling module judges that described default check information is consistent with the check information of input, the request of the described default financial payment switch mark of change of received communication module forwards, receive and change described default financial payment switch mark according to the order of the described default financial payment switch mark of change of user's input, and the default financial payment switch mark after change is stored in described financial application module.
In one embodiment, the request of check information is preset in the change that described input equipment also receives user's input; Described cryptographic handling module, after judging that described default check information is consistent with the check information of input, receive the request of the described default check information of change of the described safety chip controller transmission that described communication module forwards, receive and change described default check information according to the order of the described default check information of change of user's input, and the default check information after change is stored in described financial application module.
In one embodiment, the supply module in described chip is adopted to be described safety chip controller, described input equipment and described monitor power supply.
In embodiments of the present invention, the noncontact inductive coil of chip card sets up communication channel by radiowave and terminal device, the transaction request that the communication channel receiving terminal apparatus that the safety chip controller of chip card is set up by noncontact inductive coil sends, and transaction request is transmitted to intelligent chip, the transaction request that communication module forwards to receive safety chip controller is provided with in this intelligent chip, and described transaction request is transmitted to transaction modules, transaction modules then reads the default financial payment switch mark stored in financial application module according to transaction request, and when judging default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, chip card is not allowed to conclude the business, achieve user can carry out control chip card financial payment operating right by arranging default financial payment switch mark, such as after user does not use chip card or chip card is lost, default financial payment switch mark can be set to close by user, to avoid the mistake brush of chip card or to steal brush, compared with the offline electronic payment technology of prior art chips card, improve the security of chip card offline electronic payment.
Obviously, those skilled in the art should be understood that, each module of the above-mentioned embodiment of the present invention or each step can realize with general calculation element, they can concentrate on single calculation element, or be distributed on network that multiple calculation element forms, alternatively, they can realize with the executable program code of calculation element, thus, they can be stored and be performed by calculation element in the storage device, and in some cases, step shown or described by can performing with the order be different from herein, or they are made into each integrated circuit modules respectively, or the multiple module in them or step are made into single integrated circuit module to realize.Like this, the embodiment of the present invention is not restricted to any specific hardware and software combination.
The foregoing is only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the embodiment of the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any amendment done, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (17)
1. a chip card, is characterized in that, comprising: be packaged with noncontact inductive coil in the card of chip card, quickly compress switch, safety chip controller and intelligent chip, wherein,
Describedly quickly compressing switch, being connected with described noncontact inductive coil, for disconnecting or closed described noncontact inductive coil;
Described noncontact inductive coil, for described quick compress switch close time disconnect, described quick compress switch open time formed closed-loop path, set up communication channel by radiowave and terminal device;
Described safety chip controller, is connected with described noncontact inductive coil, for receiving the transaction request that described terminal device sends, and described transaction request is transmitted to described intelligent chip;
Described intelligent chip, for carrying out the operation corresponding to transaction according to described transaction request.
2. chip card as claimed in claim 1, is characterized in that, described quick compressing switch compresses switch for button is quick, press described quick compress switch after, described quick compressing switch stays open state, and described noncontact inductive coil is kept closed; When again press described quick compress switch after, the described quick maintenance closed condition that compresses switch, described noncontact inductive coil remains open state.
3. chip card as claimed in claim 1, it is characterized in that, describedly quickly compress switch as touch-tone quick the compressing switch that automatically reset, press described quick when compressing switch, described quick compressing switch stays open state, and described noncontact inductive coil is kept closed, and stops pressing described quick when compressing switch, described quick compressing switch automatically resets as closed condition, and described noncontact inductive coil automatically resets the state of being off.
4. chip card as claimed in claim 1, it is characterized in that, described quick compressing switch comprises:
Acquisition Circuit, for gathering the human body biological characteristics of user's input;
Comparer, whether the human body biological characteristics for the human body biological characteristics with storage that compare collection is consistent;
Trigger, for when the human body biological characteristics gathered is consistent with the human body biological characteristics of storage, triggers described quick compressing switch and opens.
5. the chip card according to any one of Claims 1-4, is characterized in that, described intelligent chip comprises:
Communication module, is connected with described safety chip controller, for receiving described transaction request, and described transaction request is transmitted to transaction modules;
Financial application module, for storing default financial payment switch mark;
Described transaction modules, with described communication module and described financial application model calling, for reading the default financial payment switch mark stored in financial application module according to described transaction request, and when judging described default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, do not allow chip card to conclude the business.
6. chip card as claimed in claim 5, it is characterized in that, described financial application module is also for storing default check information, and described chip card also comprises:
Input equipment, is connected with described safety chip controller, for receiving the check information of user's input;
Described intelligent chip also comprises:
Cryptographic handling module, be connected with described communication module, the cryptographic check request that the described safety chip controller forwarded for receiving described communication module sends, and from described financial application module, read default check information according to described cryptographic check request, and when judging that described default check information is consistent with the check information of input, described chip card is allowed to conclude the business, otherwise, do not allow described chip card to conclude the business, wherein, described cryptographic check request comprises the check information of input.
7. chip card as claimed in claim 6, is characterized in that, also comprise:
Display, be connected with described safety chip controller, check information, described transaction modules for showing user's input that described input equipment receives judge that whether described default financial payment switch mark is that the result opened and described cryptographic handling module judge the result whether described default check information is consistent with the check information of input.
8. chip card as claimed in claim 6, is characterized in that,
Described input equipment, also for receiving the request of the described default financial payment switch mark of change of user's input;
Described intelligent chip also comprises:
Pay switch process module, be connected with described communication module, after judging that at described cryptographic handling module described default check information is consistent with the check information of input, the request of the described default financial payment switch mark of change of received communication module forwards, receive and change described default financial payment switch mark according to the order of the described default financial payment switch mark of change of user's input, and the default financial payment switch mark after change is stored in described financial application module.
9. chip card as claimed in claim 6, is characterized in that,
Described input equipment, the request of check information is preset in the change also for receiving user's input;
Described cryptographic handling module, also for after judging that described default check information is consistent with the check information of input, receive the request of the described default check information of change of the described safety chip controller transmission that described communication module forwards, receive and change described default check information according to the order of the described default check information of change of user's input, and the default check information after change is stored in described financial application module.
10. the chip card according to any one of claim 7 to 9, is characterized in that, also comprises:
Power supply, is connected with described safety chip controller, for being described safety chip controller, described input equipment and described monitor power supply.
The method of work of the chip card according to any one of 11. 1 kinds of claims 1 to 10, is characterized in that, comprising:
Described quick compress switch open time, described noncontact inductive coil forms closed-loop path, sets up communication channel by radiowave and terminal device;
The communication channel that described safety chip controller is set up by described noncontact inductive coil, receives the transaction request that described terminal device sends, and described transaction request is transmitted to described intelligent chip;
Described intelligent chip carries out the operation corresponding to transaction according to described transaction request.
12. methods as claimed in claim 11, is characterized in that, described intelligent chip carries out the operation corresponding to transaction according to described transaction request, comprising:
Communication module in described intelligent chip, receives the described transaction request that described safety chip controller forwards, and described transaction request is transmitted to the transaction modules in described intelligent chip;
Described transaction modules reads the default financial payment switch mark stored in financial application module according to described transaction request, and when judging described default financial payment switch mark for opening, chip card is allowed to conclude the business, otherwise, do not allow chip card to conclude the business.
13. methods as claimed in claim 12, is characterized in that,
Described financial application module is also for storing default check information;
The input equipment that described chip card is arranged receives the check information of user's input;
Cryptographic handling module in described intelligent chip, receive the cryptographic check request of the described safety chip controller transmission that described communication module forwards, and from described financial application module, read default check information according to described cryptographic check request, and when judging that described default check information is consistent with the check information of input, described chip card is allowed to conclude the business, otherwise, do not allow described chip card to conclude the business, wherein, described cryptographic check request comprises the check information of input.
14. methods as claimed in claim 13, is characterized in that,
Check information, described transaction modules that the display that described chip card is arranged shows user's input that described input equipment receives judge that whether described default financial payment switch mark is that the result opened and described cryptographic handling module judge the result whether described default check information is consistent with the check information of input.
15. methods as claimed in claim 13, is characterized in that,
Described input equipment also receives the request of the described default financial payment switch mark of change of user's input;
Payment switch process module in described intelligent chip, after described cryptographic handling module judges that described default check information is consistent with the check information of input, the request of the described default financial payment switch mark of change of received communication module forwards, receive and change described default financial payment switch mark according to the order of the described default financial payment switch mark of change of user's input, and the default financial payment switch mark after change is stored in described financial application module.
The method of work of 16. chip cards as claimed in claim 13, is characterized in that,
The request of check information is preset in the change that described input equipment also receives user's input;
Described cryptographic handling module, after judging that described default check information is consistent with the check information of input, receive the request of the described default check information of change of the described safety chip controller transmission that described communication module forwards, receive and change described default check information according to the order of the described default check information of change of user's input, and the default check information after change is stored in described financial application module.
17. methods according to any one of claim 14 to 16, is characterized in that,
The power supply in described chip card is adopted to be described safety chip controller, described input equipment and described monitor power supply.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510029412.2A CN104598956A (en) | 2015-01-21 | 2015-01-21 | Chip card and working method thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510029412.2A CN104598956A (en) | 2015-01-21 | 2015-01-21 | Chip card and working method thereof |
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| CN104598956A true CN104598956A (en) | 2015-05-06 |
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