CN105184334A - Multi-industry smart card application system and method - Google Patents
Multi-industry smart card application system and method Download PDFInfo
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- CN105184334A CN105184334A CN201510424726.2A CN201510424726A CN105184334A CN 105184334 A CN105184334 A CN 105184334A CN 201510424726 A CN201510424726 A CN 201510424726A CN 105184334 A CN105184334 A CN 105184334A
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Abstract
The invention discloses a multi-industry smart card application system and method. The multi-industry smart card application system comprises a financial service management server, a social security service management server, a public transportation service management server, a data conversion device, a smart card, a financial service reading device, a social security service reading device and a public transportation service reading device. According to the multi-industry smart card application system and method of the invention, the multi-industry smart card is adopted as a carrier, and multi-industry services are integrated, and the integrated service mode of the multi-industry services can be realized, and user experience can be enhanced, and people's life can be greatly facilitated.
Description
Technical field
The invention belongs to IC-card applied technical field, particularly relate to a kind of application system and method for conglomerate smart card.
Background technology
At present, society is flooded with the trading card with management or payment function of all kinds of non-silver sector issue, because hair fastener main body is various, technical standard disunity causes the narrow of range of application, the phenomenon of " thing one is blocked, a people Duo Ka " is very general.Owing to lacking the cooperation between industry, cause the significant wastage of handling cost, internal resource, also cause very big inconvenience to user simultaneously.
Summary of the invention
Goal of the invention of the present invention is: in order to overcome the above problems, and the present invention proposes a kind of application system of conglomerate smart card.
Technical scheme of the present invention is: a kind of conglomerate application of IC cards system, comprising:
Financial service management server, stores for the treatment of financial service data;
Social security service manager server, stores for the treatment of social security service data;
Bus service management server, stores for the treatment of bus service data;
DTU (Data Transfer unit), for changing social security service data and bus service data and financial service data;
Smart card, has the IC-card of conglomerate service function concurrently;
Financial service reading device, for reading the financial service data in smart card;
Social security service reading device, for reading the social security service data in smart card;
And bus service reading device, for reading the bus service data in smart card;
Described DTU (Data Transfer unit) is connected with described financial service management server, social security service manager server and the communication of bus service management server respectively; Described financial service management server is also connected with the communication of financial service reading device, and described social security service manager server is also served reading device communication with social security and is connected, and described bus service management server is also connected with the communication of bus service reading device.
Further, in the conglomerate service function that has concurrently of described smart card, conglomerate service comprises financial service, social security service and bus service function.
Further, described smart card adopts contact and contactless pair of interface work mode.
Further, described smart card adopts contact working method to realize financial service function.
Further, described smart card adopts contactless working method to realize financial service function.
Further, described conglomerate service also comprises driver management service, medical services, Health Services, gate inhibition's service, penny ante service function.
The invention allows for a kind of conglomerate application of IC cards method, comprise the following steps:
A, the financial service data utilized in financial service reading device reading smart card, and financial service data are transferred to financial service management server; Recycling financial service management servers process financial service data also store;
B, the social security service data utilized in social security service reading device reading smart card, and by social security service data transfer to financial service management server; Recycling financial service management servers process financial service data also store, and utilize DTU (Data Transfer unit) social security service data and financial service data to be changed;
C, the bus service data utilized in bus service reading device reading smart card, and bus service data are transferred to bus service management server; Recycling bus service management servers process bus service data also store, and utilize DTU (Data Transfer unit) bus service data and financial service data to be changed.
Further, described smart card adopts contact and contactless pair of interface work mode.
Further, described smart card adopts contact working method to realize financial service function; Described smart card adopts contactless working method to realize financial service function.
Further, described financial service reading device, social security are served reading device and all adopt 13.56MHZ communication mode between bus service reading device and smart card.
The invention has the beneficial effects as follows: conglomerate application of IC cards system and method for the present invention is using conglomerate smart card as carrier, by conglomerate service is integrated, achieve the integration of conglomerate service, integrated service mode, improve Consumer's Experience, greatly facilitate the life of people; And conglomerate smart card of the present invention all has high security from physical Design to chip COS system, is not easily cracked.
Accompanying drawing explanation
Fig. 1 is conglomerate application of IC cards system architecture schematic diagram of the present invention.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.
As shown in Figure 1, be conglomerate application of IC cards system architecture schematic diagram of the present invention.A kind of conglomerate application of IC cards system, is characterized in that, comprising:
Financial service management server, stores for the treatment of financial service data;
Social security service manager server, stores for the treatment of social security service data;
Bus service management server, stores for the treatment of bus service data;
DTU (Data Transfer unit), for changing social security service data and bus service data and financial service data;
Smart card, has the IC-card of conglomerate service function concurrently;
Financial service reading device, for reading the financial service data in smart card;
Social security service reading device, for reading the social security service data in smart card;
And bus service reading device, for reading the bus service data in smart card;
Described DTU (Data Transfer unit) is connected with described financial service management server, social security service manager server and the communication of bus service management server respectively; Described financial service management server is also connected with the communication of financial service reading device, and described social security service manager server is also served reading device communication with social security and is connected, and described bus service management server is also connected with the communication of bus service reading device.
Smart card of the present invention adopts the Java card that application scalability is stronger, all support contact, noncontact or two interface work mode, meet domestic PBOC2.0 debit/credit (support small amount payment), non-contact application and qPBOC & MSD completely, what Intelligent CPU card adopted is a double-interface card, non-contacting part is used for realizing inter-trade function, and contact portion is used for realizing the financial function of bank.Smart card of the present invention adopts to possess and accepts finance and inter-trade system CPU card, also possesses real-time CDMA communication function simultaneously; Support the contactless CPU card (MIFAREONE, TYPEA) meeting ISO14443 international standard, support the Dual Interface based on MIFAREPRO technology completely, for city one-card application provides reliable technology to ensure; Machine, built with SAM deck, can install the PSAM card that the Ministry of Construction specifies; The read-write of data adopts DES, RAS security algorithm, ensures the security of deposit data and transmission; Adopt Large Copacity backup of memory, the data of preservation keep after a loss of power 10 years constant.Smart card of the present invention supports multistage directory management; Support multiple file types, comprise transparent file, log file, secure file, circular file, variable-length record file, key file, medical personal account file etc.; Support multiple secure access mode and authority; Support multiple safe packet transmission mode, the confidentiality and integrity of guarantee information; Support certification and password protection mode, control secure access and authority; Support SingleDES, TripleDES algorithm of Chinese human resources and Department of Social Security's accreditation; Support the close domestic SSF33 algorithm doing approval of Chinese state; The highest support 1408 RSA operation; Support T=0 asynchronous half-duplex character transmission agreement; Support PPS negotiation functionality, realize high speed communication, minimum speed limit can reach 115200bps/13.57MHz; Support Chinese human resources and Department of Social Security's Personal Account of Medical Insurance function; Support that application is expanded, new opplication can be loaded safely or apply newly-increased application data to old; Support the contact connection interface meeting ISO/7816 specification, realize the function such as the convenient application such as people's livelihood application water, electricity and gas, other vehicles taxis of city, entrance guard management, small amount payment, fast consumption.
Financial service management server of the present invention is for the treatment of financial service data and store, and social security service manager server is for the treatment of social security service data and store, and bus service management server is for the treatment of bus service data and store; Here financial service management server, social security service manager server and bus service management server all adopt LINUX/C to build, and realized by JAVA platform, accepting of inter-trade Intelligent CPU card can be met, inter-trade system-based data management, data query and report form processing function, possess the transaction processing ability of concurrent 500/second.
Financial service reading device of the present invention is for reading the financial service data in smart card, and social security service reading device is for reading the social security service data in smart card, and bus service reading device is for reading the bus service data in smart card; Here the reading device that financial service reading device, social security service reading device and bus service reading device adopt every profession and trade corresponding respectively realizes.Financial service reading device of the present invention, social security are served reading device and are adopted 13.56MHZ communication modes between bus service reading device and smart card, by APN private network but not public network carries out the transmission of transaction data, guarantee data security, save a large amount of financial resources simultaneously.
DTU (Data Transfer unit) of the present invention is used for social security service data and bus service data and financial service data to change.When carrying out social security service and bus service, the conversion of social security service data and bus service data and financial service data can be realized, ensure real-time and the consistance of the data stored in financial service manager server, social security service manager server and bus service management server.
Conglomerate smart card of the present invention incorporates the function of financial service and social security service, and adopt the fabrication pattern of chip and recessive magnetic stripe, greatly improve the anti-counterfeit capability of conglomerate smart card, meanwhile, ensure that financial service, the independence of social security service and bus service and security.Here the financial service packet in conglomerate smart card is containing a finance account, and the social security service data in conglomerate smart card comprises a social security account, and the bus service packet in conglomerate smart card is containing a public transport account.
After social security department, public transport department and cooperative bank's joint float conglomerate smart card, social security data can be converted to capital transfer in finance data and social security account in finance account by DTU (Data Transfer unit) request by conglomerate smart card by user, communication is carried out in data shifting apparatus and financial service management server, the communication of social security service manager server, completes fund transfer request; Meanwhile, financial service management server and social security service manager server carry out Data Update.Here DTU (Data Transfer unit) can deposit machine, the at home realization such as bank, the convenience-for-people point of small amount payment by outlet any in banking system, self-aided terminal, ATM, circle.After completing capital transfer, conglomerate smart card can be read financial service data by financial service reading device by user, and financial service is carried out in request, and financial service reading device and financial service management server carry out communication, complete financial service request; Meanwhile, financial service management server carry out Data Update.Here financial service is included in that hospital registers, medical clearing time, use electronic cash bill payment correlative charges by consumption terminal; And the POS terminal that can accept IC-card electronic cash does financial consumption etc. in market, general merchandise and supermarket etc. with Unionpay's mark.Conglomerate smart card also can be read social security service data by social security service reading device by user, and social security service is carried out in request, and social security service reading device and social security service manager server carry out communication, complete social security services request; Meanwhile, social security service manager server carries out Data Update.Here social security service comprises inquiry social security and otherwise information.Here bus service is specially and carries out bankcard consumption on bus, and user can supplement with money in public transport top-up machines.When carrying out bus card-reading consumption, conglomerate smart card can be read bus service data by bus service reading device by user, and bus service is carried out in request, and bus service reading device and bus service management server carry out communication, complete bus service request; Meanwhile, bus service management server carries out Data Update.Especially, need to store certain fund in the social security account of the social security service in conglomerate smart card, ensure normally carrying out of capital transfer, thus promote the experience of user.The reading device of management server and correspondence that the present invention can also arrange other industry realizes the application of the present invention in other industry.The present invention the application of other industry and social security industry and public transit trade similar, do not repeat here.
In order to be described in further detail conglomerate application of IC cards system of the present invention, the invention allows for a kind of conglomerate application of IC cards method, it comprises the following steps:
A, the financial service data utilized in financial service reading device reading smart card, and financial service data are transferred to financial service management server; Recycling financial service management servers process financial service data also store;
B, the social security service data utilized in social security service reading device reading smart card, and by social security service data transfer to financial service management server; Recycling financial service management servers process financial service data also store, and utilize DTU (Data Transfer unit) social security service data and financial service data to be changed;
C, the bus service data utilized in bus service reading device reading smart card, and bus service data are transferred to bus service management server; Recycling bus service management servers process bus service data also store, and utilize DTU (Data Transfer unit) bus service data and financial service data to be changed.
Those of ordinary skill in the art will appreciate that, embodiment described here is to help reader understanding's principle of the present invention, should be understood to that protection scope of the present invention is not limited to so special statement and embodiment.Those of ordinary skill in the art can make various other various concrete distortion and combination of not departing from essence of the present invention according to these technology enlightenment disclosed by the invention, and these distortion and combination are still in protection scope of the present invention.
Claims (10)
1. a conglomerate application of IC cards system, is characterized in that, comprising:
Financial service management server, stores for the treatment of financial service data;
Social security service manager server, stores for the treatment of social security service data;
Bus service management server, stores for the treatment of bus service data;
DTU (Data Transfer unit), for changing social security service data and bus service data and financial service data;
Smart card, has the IC-card of conglomerate service function concurrently;
Financial service reading device, for reading the financial service data in smart card;
Social security service reading device, for reading the social security service data in smart card;
And bus service reading device, for reading the bus service data in smart card;
Described DTU (Data Transfer unit) is connected with described financial service management server, social security service manager server and the communication of bus service management server respectively; Described financial service management server is also connected with the communication of financial service reading device, and described social security service manager server is also served reading device communication with social security and is connected, and described bus service management server is also connected with the communication of bus service reading device.
2. a kind of conglomerate application of IC cards system as claimed in claim 1, is characterized in that, in the conglomerate service function that described smart card has concurrently, conglomerate service comprises financial service, social security service and bus service function.
3. a kind of conglomerate application of IC cards system as claimed in claim 2, is characterized in that, described smart card adopts contact and contactless pair of interface work mode.
4. a kind of conglomerate application of IC cards system as claimed in claim 3, is characterized in that, described smart card adopts contact working method to realize financial service function.
5. a kind of conglomerate application of IC cards system as claimed in claim 4, it is characterized in that, described smart card adopts contactless working method to realize financial service function.
6. a kind of conglomerate application of IC cards system as described in as arbitrary in claim 1-5, is characterized in that, described conglomerate service also comprises driver management service, medical services, Health Services, gate inhibition's service, penny ante service function.
7. a conglomerate application of IC cards method, is characterized in that, comprises the following steps:
A, the financial service data utilized in financial service reading device reading smart card, and financial service data are transferred to financial service management server; Recycling financial service management servers process financial service data also store;
B, the social security service data utilized in social security service reading device reading smart card, and by social security service data transfer to financial service management server; Recycling financial service management servers process financial service data also store, and utilize DTU (Data Transfer unit) social security service data and financial service data to be changed;
C, the bus service data utilized in bus service reading device reading smart card, and bus service data are transferred to bus service management server; Recycling bus service management servers process bus service data also store, and utilize DTU (Data Transfer unit) bus service data and financial service data to be changed.
8. a kind of conglomerate application of IC cards method as claimed in claim 7, is characterized in that, described smart card adopts contact and contactless pair of interface work mode.
9. a kind of conglomerate application of IC cards method as claimed in claim 8, is characterized in that, described smart card adopts contact working method to realize financial service function; Described smart card adopts contactless working method to realize financial service function.
10. a kind of conglomerate application of IC cards method as claimed in claim 7, is characterized in that, described financial service reading device, social security are served reading device and all adopted 13.56MHZ communication mode between bus service reading device and smart card.
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| CN201510424726.2A CN105184334A (en) | 2015-07-17 | 2015-07-17 | Multi-industry smart card application system and method |
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| CN106992858A (en) * | 2017-04-06 | 2017-07-28 | 四川精工伟达智能技术股份有限公司 | Data processing method and device |
| CN106993011A (en) * | 2016-01-21 | 2017-07-28 | 广东华大互联网股份有限公司 | Application of IC cards method and the application system for realizing the application process |
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| CN112767616A (en) * | 2021-01-08 | 2021-05-07 | 中裕合普(北京)软件技术有限公司 | Self-service multifunctional all-in-one machine for earmarking |
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Application publication date: 20151223 |