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CN105023038A - Dual-interface financial IC card having safe input function and using method thereof - Google Patents

Dual-interface financial IC card having safe input function and using method thereof Download PDF

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Publication number
CN105023038A
CN105023038A CN201510502364.4A CN201510502364A CN105023038A CN 105023038 A CN105023038 A CN 105023038A CN 201510502364 A CN201510502364 A CN 201510502364A CN 105023038 A CN105023038 A CN 105023038A
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CN
China
Prior art keywords
interface
dual
card
module
financial
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Pending
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CN201510502364.4A
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Chinese (zh)
Inventor
熊传光
董逢华
杨斐霏
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Wuhan Tianyu Information Industry Co Ltd
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Wuhan Tianyu Information Industry Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Priority to CN201510502364.4A priority Critical patent/CN105023038A/en
Publication of CN105023038A publication Critical patent/CN105023038A/en
Pending legal-status Critical Current

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Abstract

The invention, which relate to the dual-interface financial IC card field, relates to a dual-interface financial IC card having a safe input function and a using method thereof. The dual-interface financial IC card comprises an antenna module, a power supply module, a dual-interface safe chip, a touch induction module and an input processing module. The dual-interface financial IC card is in communication connection with opposite equipment. The antenna module obtains a radio frequency electromagnetic wave signal emitted by the opposite equipment and converts the signal into a current signal transmitted to the power supply module; after the power supply module carries out voltage stabilization on the current signal, power is provided for the dual-interface safe chip and the input processing module; a user inputs authentication information by the touch induction module and the information is converted into a corresponding analog signal; the input processing module converts the analog signal into a digital signal; after the dual-interface safe chip modulates the digital signal, the signal is transmitted to the opposite equipment by the antenna module; and the opposite equipment receives the digital signal and then carries out demodulation and a host program of the opposite equipment carries out processing or corresponding operations are completed based on self-actuated analyses. Therefore, safety of the individual authentication information of the user can be guaranteed.

Description

Double-interface financial IC card with safety input function and use method thereof
Technical Field
The invention relates to the field of double-interface financial IC cards, in particular to a double-interface financial IC card with a safety input function and a using method thereof.
Background
The double-interface financial IC card is an intelligent card which is generally used for user identity identification in the field of financial industry at present. The safety intelligent chip in the card stores the personal account information of the user, the encrypted key and other contents, so that the user can perform identity authentication and encrypt the communication data of the user. The card utilizes the golden finger arranged on the card to carry out contact communication conforming to the ISO7816 standard, and can also utilize the coil antenna enclosed in the card to carry out non-contact communication conforming to the ISO14443 standard. The double-interface IC financial card is a main information carrier for users in the field of future financial industry.
When a user uses a dual-interface financial IC card to perform a related operation on a personal account, the user usually needs to input set authentication information, such as a password, on a corresponding POS terminal to complete the confirmation of the operation. However, because many financial POS terminals in the market are not strictly supervised by banks, there are phenomena such as anti-theft defects and even illegal modification, and an event of illegally acquiring a password of a card holder occurs. Therefore, it is highly desirable to ensure the security of the cardholder authentication information input environment.
The rapid development of the internet enables more and more users to carry out network payment through intelligent terminal equipment, the intelligent terminal equipment is used as an authentication information input carrier and is vulnerable to virus and network attack, and the safety of the personal authentication information of the users is also at risk.
Disclosure of Invention
Aiming at the defects in the prior art, the invention aims to provide a double-interface financial IC card with a safety input function and a using method thereof, so that a user can directly input authentication information on the double-interface financial IC card to ensure the safety of personal authentication information.
In order to achieve the above purpose, the invention adopts a double-interface financial IC card with a safe input function, which comprises an antenna module, a power supply module, a double-interface safety chip, a touch sensing module and an input processing module, wherein the double-interface safety chip is respectively connected with the antenna module and the power supply module; the antenna module is used for receiving and transmitting communication data; the device is also used for converting the received radio frequency electromagnetic wave signal into a current signal; the power supply module is used for receiving the current signal of the antenna module, rectifying the current signal into direct-current voltage and supplying power to the double-interface safety chip and the input processing module; the touch sensing module is used for identifying authentication information input by a user through touch and converting the authentication information into corresponding analog signals; the input processing module is used for receiving the analog signal corresponding to the authentication information and converting the analog signal into a digital signal; the double-interface security chip is used for storing security application, user data and a secret key, and is also used for encryption operation of all data and processing of transaction data.
On the basis of the technical scheme, the antenna module is an NFC antenna.
On the basis of the technical scheme, the touch input mode is a key, a touch track or a biological fingerprint.
The invention also provides a using method of the double-interface financial IC card with the safety input function, which comprises the following steps: the dual-interface financial IC card is in communication connection with opposite-end equipment, the antenna module acquires a radio-frequency electromagnetic wave signal sent by the opposite-end equipment, converts the radio-frequency electromagnetic wave signal into a current signal and transmits the current signal to the power supply module, and the power supply module supplies power to the dual-interface security chip and the input processing module after stabilizing the voltage of the current signal; a user inputs authentication information through a touch sensing module and converts the authentication information into a corresponding analog signal, an input processing module converts the analog signal into a digital signal, and a double-interface security chip modulates the digital signal and transmits the digital signal to opposite-end equipment through an antenna module; and the opposite terminal equipment receives the digital signal, demodulates the digital signal and delivers the digital signal to an upper program of the opposite terminal equipment for processing, or performs self-analysis to complete corresponding operation.
On the basis of the technical scheme, the double-interface security chip packages and modulates the digital signal according to an ISO14443 transmission protocol.
On the basis of the technical scheme, the opposite terminal device is an intelligent terminal device, an entrance guard card reader or a financial POS machine.
On the basis of the technical scheme, the opposite terminal device is an intelligent terminal device or a financial POS machine, and the opposite terminal device demodulates the digital signals corresponding to the authentication information and then delivers the demodulated digital signals to an upper program for processing.
On the basis of the technical scheme, the opposite terminal device is an entrance guard card reader, and after the opposite terminal device demodulates the digital signals corresponding to the authentication information, the opposite terminal device performs self-analysis and then completes corresponding operation.
On the basis of the above technical solution, the antenna module 15 is an NFC antenna.
The invention has the beneficial effects that:
1. the user can input authentication information through the touch sensing module, so that a password is prevented from being input on the opposite terminal device, an unsafe input keyboard of the opposite terminal device is replaced, the input is directly completed on the double-interface financial IC card, the leakage of the user authentication information is prevented, and the safety of the user authentication information is improved.
2. The touch input mode of the touch sensing module can be a key, a touch track or a biological fingerprint and the like, and the input mode is various, convenient and quick; the input mode security of the touch track and the biological fingerprint is higher.
3. The opposite terminal equipment can be intelligent terminal equipment, an entrance guard card reader or a financial POS machine, has wide application environment and function expansibility, can be used for financial transaction, and can also achieve the purposes of identity recognition, operation confirmation and the like by utilizing the safety input function of the opposite terminal equipment.
Drawings
FIG. 1 is a schematic block diagram showing the components of a dual-interface financial IC card with a secure input function according to the present invention;
fig. 2 is a schematic diagram of a dual-interface financial IC card with a secure input function communicating with an intelligent terminal device according to an embodiment of the present invention.
Reference numerals:
the system comprises an antenna module 1, a power module 2, a double-interface security chip 3, an input processing module 4, an input induction module 5, intelligent terminal equipment 6, a terminal receiving module 61 and a data processing module 62.
Detailed Description
The present invention will be described in further detail with reference to the accompanying drawings and examples.
As shown in fig. 1, the dual-interface financial IC card with a secure input function of the present invention includes an antenna module 1, a power module 2, a dual-interface security chip 3, an input processing module 4, an input sensing module 5, and an intelligent terminal device 6. The double-interface safety chip 3 is respectively connected with the antenna module 1, the power module 2 and the input processing module 4; the input processing module 4 is respectively connected with the power supply module 2 and the touch sensing module 5.
The antenna module 1 is used for receiving and transmitting communication data between the dual-interface financial IC card and opposite-end equipment, and is also used for converting a received radio frequency electromagnetic wave signal from the opposite-end equipment into a current signal and sending the current signal to the power module 2; in this embodiment, the antenna module 1 is an NFC (Near field communication) antenna.
And the power supply module 2 is used for receiving the current signal from the antenna module 1, rectifying the current signal into direct-current voltage, and supplying power to the double-interface safety chip 3 and the input processing module 4.
The touch sensing module 5 is configured to identify authentication information related to user security input by a user, and convert the authentication information into a corresponding analog signal, where the touch input may be a key, a touch trace, or a biometric fingerprint.
And the input processing module 4 is used for receiving the analog signal corresponding to the authentication information from the touch sensing module 5 and converting the analog signal into a corresponding digital signal.
The double-interface security chip 3 is used for storing security applications, user data and keys, and is also used for encryption operation of all data and processing of transaction data (including analog signals and digital signals).
The invention relates to a using method of a double-interface financial IC card with a safety input function, which comprises the following steps:
the double-interface financial IC card with the safety input function is in communication connection with opposite-end equipment, the antenna module 1 acquires radio frequency electromagnetic wave signals sent by the opposite-end equipment, converts the radio frequency electromagnetic wave signals into current signals and transmits the current signals to the power supply module 2, and the power supply module 2 supplies power to the double-interface safety chip 3 and the input processing module 4 after stabilizing the voltage of the current signals.
The user inputs the authentication information through the touch sensing module 5, converts the authentication information into a corresponding analog signal, and transmits the analog signal to the input processing module 4. The input processing module 4 converts the received analog signal of the authentication information into a corresponding digital signal and transmits the digital signal to the double-interface security chip 3. The dual-interface security chip 3 packages and modulates the digital signal according to an ISO14443 transmission protocol, and sends the digital signal to the opposite terminal equipment through the antenna module 1.
The opposite terminal equipment receives the data packet, demodulates the data packet of the digital signal, and then delivers the data packet to an upper program of the opposite terminal equipment for processing, or performs self-analysis to complete corresponding operation.
In the above steps, the peer device may be an intelligent terminal device, an entrance guard card reader, a financial POS machine, or the like. When the opposite terminal equipment is intelligent terminal equipment or a financial POS machine, the opposite terminal equipment demodulates the digital signals corresponding to the authentication information and then delivers the demodulated digital signals to an upper program for processing. When the opposite terminal device is an entrance guard card reader, the opposite terminal device demodulates the digital signal corresponding to the authentication information, and performs self-analysis to complete corresponding operation.
As shown in fig. 2, taking an opposite terminal device as the intelligent terminal device 6 as an example, the intelligent terminal device 6 includes a terminal receiving module 61 and a data processing module 62, and the specific method includes: the intelligent terminal device 6 is in non-contact communication with the double-interface financial IC card with the safety input function, the antenna module 1 acquires radio frequency electromagnetic wave signals sent by the intelligent terminal device 6, converts the radio frequency electromagnetic wave signals into current signals and transmits the current signals to the power supply module 2, and the power supply module 2 outputs stable voltage signals after stabilizing the voltage of the current signals and supplies the stable voltage signals to the double-interface safety chip 3 and the input processing module 4. When the user inputs the authentication information, the intelligent terminal device 6 prompts the user to input the authentication information on the touch sensing module 5 of the dual-interface financial IC card with the safety input function. The user can input the authentication information by means of a key, a touch track or a biological fingerprint, and the touch sensing module 5 converts the input authentication information into a corresponding analog signal and sends the analog signal to the input processing module 4. And after receiving the analog signal converted from the authentication information, the input processing module 4 converts the analog signal into a digital signal and transmits the digital signal to the double-interface security chip 3. The dual-interface security chip 3 packages and modulates the received digital signal converted from the authentication information according to the ISO14443 transmission protocol, and sends the modulated digital signal to the terminal receiving module 61 of the intelligent terminal device 6 through the antenna module 1. The terminal receiving module 61 demodulates the received data and then transfers the demodulated data to the data processing module 62 for analysis and processing. The data processing module 62 parses the authentication information input by the user, and delivers the authentication information to the upper program of the intelligent terminal device 6 for processing.
The present invention is not limited to the above-described embodiments, and it will be apparent to those skilled in the art that various modifications and improvements can be made without departing from the principle of the present invention, and such modifications and improvements are also considered to be within the scope of the present invention. Those not described in detail in this specification are within the skill of the art.

Claims (9)

1. A double-interface financial IC card with a safe input function comprises an antenna module, a power supply module and a double-interface safety chip, wherein the double-interface safety chip is respectively connected with the antenna module and the power supply module; wherein,
the antenna module is used for receiving and transmitting communication data; the device is also used for converting the received radio frequency electromagnetic wave signal into a current signal;
the power supply module is used for receiving the current signal of the antenna module, rectifying the current signal into direct-current voltage and supplying power to the double-interface safety chip and the input processing module;
the touch sensing module is used for identifying authentication information input by a user through touch and converting the authentication information into corresponding analog signals;
the input processing module is used for receiving the analog signal corresponding to the authentication information and converting the analog signal into a digital signal;
the double-interface security chip is used for storing security application, user data and a secret key, and is also used for encryption operation of all data and processing of transaction data.
2. The dual-interface financial IC card with secure input function of claim 1, wherein: the antenna module is an NFC antenna.
3. The dual-interface financial IC card with secure input function of claim 1, wherein: the touch input mode is a key, a touch track or a biological fingerprint.
4. The use method of the double-interface financial IC card with the secure input function according to claim 1, characterized in that:
the dual-interface financial IC card is in communication connection with opposite-end equipment, the antenna module acquires a radio-frequency electromagnetic wave signal sent by the opposite-end equipment, converts the radio-frequency electromagnetic wave signal into a current signal and transmits the current signal to the power supply module, and the power supply module supplies power to the dual-interface security chip and the input processing module after stabilizing the voltage of the current signal;
a user inputs authentication information through a touch sensing module and converts the authentication information into a corresponding analog signal, an input processing module converts the analog signal into a digital signal, and a double-interface security chip modulates the digital signal and transmits the digital signal to opposite-end equipment through an antenna module;
and the opposite terminal equipment receives the digital signal, demodulates the digital signal and delivers the digital signal to an upper program of the opposite terminal equipment for processing, or performs self-analysis to complete corresponding operation.
5. The method for using a dual-interface financial IC card with a secure input function as claimed in claim 4, wherein: and the double-interface security chip packages and modulates the digital signal according to an ISO14443 transmission protocol.
6. The method for using a dual-interface financial IC card with a secure input function as claimed in claim 4, wherein: the opposite terminal equipment is intelligent terminal equipment, an entrance guard card reader or a financial POS machine.
7. The method for using a dual-interface financial IC card with a secure input function as claimed in claim 6, wherein: the opposite terminal equipment is intelligent terminal equipment or a financial POS machine, and after demodulating the digital signals corresponding to the authentication information, the opposite terminal equipment is handed to the upper program for processing.
8. The method for using a dual-interface financial IC card with a secure input function as claimed in claim 6, wherein: the opposite terminal device is an entrance guard card reader, demodulates the digital signal corresponding to the authentication information and performs self-analysis to complete corresponding operation.
9. The method for using a dual-interface financial IC card with a secure input function as claimed in claim 4, wherein: the antenna module is an NFC antenna.
CN201510502364.4A 2015-08-14 2015-08-14 Dual-interface financial IC card having safe input function and using method thereof Pending CN105023038A (en)

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Application Number Priority Date Filing Date Title
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Application Number Priority Date Filing Date Title
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CN106845996A (en) * 2017-01-26 2017-06-13 上海浦江智能卡系统有限公司 Visual intelligent card and the certification method of payment based on the visual intelligent card

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Application publication date: 20151104

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