CN104318440A - IC card - Google Patents
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- CN104318440A CN104318440A CN201410621283.1A CN201410621283A CN104318440A CN 104318440 A CN104318440 A CN 104318440A CN 201410621283 A CN201410621283 A CN 201410621283A CN 104318440 A CN104318440 A CN 104318440A
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- card
- module
- information
- user terminal
- display
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
Abstract
The invention provides an IC card. The IC card comprises a Bluetooth communication module, a processing module, a mobile communication module and a display operation module, wherein the Bluetooth communication module is used for building wireless connection with a user terminal, the processing module is used for receiving identity authentication request information sent by the user terminal through wireless connection and generating identity authentication code information, the identity authentication code information is sent to the user terminal so that the user terminal can authenticate the identity of the IC card and carry out transaction processing after the IC card passes identity authentication, the mobile communication module is used for receiving related transaction information in the process of transaction processing, and the display operation module is used for displaying transaction information to a user and receives a transaction operation instruction input by the user. The functions of Bluetooth communication, mobile communication and a touch display operation screen of the IC card are used, wireless bidirectional communication between the IC card and the user terminal is realized, information receiving and transaction operation are finished based on wireless communication, and the IC card is quite convenient for the user to use.
Description
Technical field
The present invention relates to the communications field, particularly relate to a kind of IC-card.
Background technology
Along with expanding economy, the progress of science and technology, the application of integrated circuit card (Integrated Circuit Card, IC) is more and more universal, especially in financial field.
For meeting the demand of IC-card environment for use, now, some IC-cards support near-field communication (Near Field Communicat ion, NFC) technology, do not need between card reader with IC-card directly to contact, just can carry out two-way communication, card reader obtains the data in IC-card by NFC technique.
But IC-card adopts NFC technique to carry out radio communication at least exists following shortcoming: NFC technique is a kind of short distance high frequency radio technology, and the distance of radio communication is within 10cm; In actual applications, especially by user terminal, such as: computer, mobile phone, dull and stereotyped etc., when carrying out online transaction, user terminal adopts the Bluetooth technology that wireless communication distance is longer usually, and the distance of Bluetooth wireless communication is about 10m, and IC-card does not support Bluetooth communication, cause user terminal cannot carry out radio communication with IC-card, IC-card can not complete online transaction by internet at user terminal.
Summary of the invention
The invention provides a kind of IC-card, IC-card wireless communication distance be shorter in order to solve, the transaction completed by the cooperation of user terminal on internet.
For achieving the above object, the invention provides a kind of IC-card, described IC-card comprises: bluetooth communication, for setting up wireless connections with user terminal; Processing module, for by described wireless connections, receives the ID authentication request information that described user terminal sends, and generates authentication encrypted message; Authentication encrypted message is sent to described user terminal, in order to described user terminal, authentication is carried out to described IC-card, and carry out transaction processing after authentication is passed through; Mobile communication module, for receiving the Transaction Information in described transaction processing process; Display operational module, for showing described Transaction Information to user, and receives the transactional operation instruction of described user input.
Preferably, described processing module also for being encrypted by described Transaction Information operational order, and is converted into 2 D code information.
Preferably, described display operational module is also for user's two-dimensional code display information, and described 2 D code information comprises the transactional operation command information obtained after data processing is carried out in described transactional operation instruction.
Preferably, described IC-card also comprises:
Acceleration transducer, for responding to the change of described IC-card acceleration of gravity in use, according to the change of the described acceleration of gravity sensed, adjusts the display state of described flexible display.
Gyroscope, for fixing described IC-card direction in use, described direction is mutually vertical with the surface of described flexible display.
Preferably, described mobile communication module is also for GPRS online and GPRS location.
Preferably, described display operational module is specially: flexible display, and described flexible display comprises electrophoretic display device (EPD).
Preferably, described IC-card also comprises button, for opening or closing described flexible display.
Preferably, described IC-card also comprises power management module, described power management module is connected with display module respectively with described bluetooth communication, processing module, mobile communication module, for managing electric energy respectively to bluetooth communication, processing module, mobile communication module and display operational module.
Therefore, a kind of IC-card provided by the invention, by the function of Bluetooth communication, mobile communication and tangible screen display operation that IC-card has, achieve the wireless two-way communication of IC-card and user terminal, on the basis of radio communication, complete receives information and transactional operation, be very easy to the use of user.
Accompanying drawing explanation
The structural representation of a kind of IC-card that Fig. 1 provides for one embodiment of the invention.
Embodiment
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
In the embodiment of the present invention, IC-card can be specially two interface communications fiscard, adopt Public Key Infrastructure (Public Key Infrastructure, PKI), the data security of IC-card is realized by the safety chip in IC-card, wherein, comprise dynamic password algorithm and the digital certificates program of multiple authentication, dynamic password algorithm comprises SH3, OATH etc.IC-card supports Bluetooth communication, can be connected, realize the two-way communication of user terminal and other cards of the same type with other cards of the same type such as user terminal by blue teeth wireless.User terminal can be specially computer, mobile communication product, as mobile phone, and the mobile devices such as panel computer.IC-card can also have mobile communication function, such as, adopt the communication criterion of GSM or CDMA two kinds of standards, use different chip to carry out integrated, realize IC-card and have the function such as Bluetooth communication and mobile communication simultaneously.
The structural representation of a kind of IC-card that Fig. 1 provides for one embodiment of the invention.
As shown in Figure 1, IC-card comprises: bluetooth communication 101, processing module 102, mobile communication module 103, display operational module 104 and power management module 105.
Bluetooth communication 101, for setting up wireless connections with user terminal.
Particularly, the bluetooth communication 101 of IC-card can realize especially by low-power consumption Bluetooth chip, can be connected by the Bluetooth signal of Bluetooth chip with the user terminal of support Bluetooth wireless communication function.
Optionally, when user needs to use IC-card to carry out wireless transactions, can pass through display operational module 104 and input establishment trading instruction, when showing operational module 104 and receiving establishment trading instruction, bluetooth communication 101 sends radio connection request information to user terminal.
Optionally, process for setting up wireless connections with user terminal also can be, user uses user terminal to create transaction, when user terminal receives the establishment trading instruction of user's input, user terminal, by the bluetooth communication Searching I C card established in it, completes wireless connections by the bluetooth communication 101 of IC-card.
Processing module 102 comprises identity authenticating unit, Quick Response Code processing unit.
Particularly, identity processing unit 102, for by wireless connections, receives the ID authentication request information that user terminal sends, and generates authentication encrypted message; Authentication encrypted message is sent to user terminal, in order to user terminal, authentication is carried out to IC-card, and carry out transaction processing after authentication is passed through.
The detailed process that identification authenticating unit 102 carries out authentication is: after the bluetooth communication of IC-card 101 and user terminal wireless connections, the receiving element in processing module 102 receives the ID authentication request information that user terminal sends; Identification authenticating unit generates authentication encrypted message according to ID authentication request information, and authentication encrypted message can comprise dynamic password etc.; Authentication encrypted message is sent to user terminal by transmitting element, and the authentication encrypted message received is sent to authentication server by user terminal, carries out authentication.After authentication is passed through, authentication server sends authentication success message to user terminal, and user terminal sends IC-card request of data according to authentication success message, carries out digital signature identification to IC-card, obtains the data message in IC-card.
Particularly, processing module 102 specifically comprises receiving element, identification authenticating unit and transmitting element (not shown).After the bluetooth communication 101 of IC-card and user terminal wireless connections, the receiving element in processing module 102 receives the ID authentication request information that user terminal sends; Identification authenticating unit generates authentication encrypted message according to ID authentication request information, and authentication encrypted message can comprise dynamic password etc.; Authentication encrypted message is sent to user terminal by transmitting element, and the authentication encrypted message received is sent to authentication server by user terminal, carries out authentication.After authentication is passed through, authentication server sends authentication success message to user terminal, and user terminal sends IC-card request of data according to authentication success message, carries out digital signature identification to IC-card, obtains the data message in IC-card.
Quick Response Code processing unit is used for described Transaction Information operational order to be encrypted, and is converted into 2 D code information.
The detailed process that described Transaction Information operational order is converted into 2 D code information is by Quick Response Code processing unit: user is according to the described Transaction Information of display on described display operational module 104, described wire harness operational module 104 inputs Transaction Information operational order, and described Transaction Information operational order generation Transaction Information operation instruction information is sent to described Quick Response Code processing unit, after described Quick Response Code processing unit receives described Transaction Information operation instruction information, be encrypted, the Transaction Information operation instruction information after encryption is converted into 2 D code information.
IC-card also comprises acceleration transducer and gyroscope.
Acceleration transducer, for responding to the change of described IC-card acceleration of gravity in use, according to the change of the described acceleration of gravity sensed, adjusts the display state of described flexible display.
Gyroscope, for fixing described IC-card direction in use, described direction is mutually vertical with the surface of described flexible display.
Mobile communication module 103, for receiving the Transaction Information in transaction processing process.
Particularly, after user terminal gets IC-card data message, user terminal prompting user inputs Transaction Information, and Transaction Information comprises the information such as Transaction Account number, dealing money.
User terminal receives the Transaction Information of user's input, and Transaction Information communication is sent to IC-card.
Preferably, mobile communication module 103 is also for GPRS online and GPRS location, and GPRS positioning precision is at about 30m.
Display operational module 104 shows described Transaction Information to user, and receives the Transaction Information operational order of described user input.Transaction Information operational order specifically can comprise the operation such as confirmation, cancellation to Transaction Information.
Particularly, display operational module 104 can be flexible display, and flexible display can comprise electrophoretic display device (EPD) (Electro Phoretic Display, EPD), or other exercisable flexible displays, and EPD display has touch-screen.IC-card can also be provided with the machine open/close button (not shown) of flexible display, be touched by described button by user, perform the start to flexible display or shutdown.
In a concrete example, display operational module 104 is specially EPD display, EPD display is arranged on the front of IC-card, EPD display can occupy 4/5ths of IC-card front face area, Transaction Information clearly can show on EPD display, when user is carried out Transaction Information confirmation by EPD display or cancelled operation, can know and operate accurately.
In a specific embodiment, the length of IC-card is 85.6 millimeters, and width is 54 millimeters, and EPD display length can be 68 millimeters, and width is 40 millimeters.
When user receives Transaction Information by EPD display, user can adopt and operate transaction in two ways:
A kind of mode, user, according to the Transaction Information that EPD display shows, EPD display carries out the operation of Transaction Information operational order, has carried out transaction.
Another kind of mode, user according to the Transaction Information that EPD display shows, by carrying out the operation of Transaction Information operational order on EPD display; IC-card generates Transaction Information operation instruction information after carrying out data processing to described Transaction Information operational order, carries out record, and sends to user terminal by communication; User terminal carries out performing corresponding transaction according to the content of Transaction Information operation instruction information after receiving the Transaction Information operation instruction information of IC-card transmission.After having concluded the business, the mobile communication module 103 of IC-card, receives transaction and completes information.
In a specific embodiment, after having concluded the business, the mobile communication module 103 of IC-card is connected with the radio communication that mobile device is set up by bluetooth communication 101, directly finishes receiving Transaction Information.
In a preferred embodiment, display operational module 104 can also comprise to user's two-dimensional code display information, and described 2 D code information comprises the transactional operation command information obtained after data processing is carried out in described transactional operation instruction.
Specific works process is: the Transaction Information operational order received is changed into Transaction Information operation instruction information by EPD display, and described Transaction Information operation instruction information is sent to processing module 102; Processing module 102 is encrypted the Transaction Information operation instruction information received, and is converted into 2 D code information; Again 2 D code information is sent to EPD display to show to user.Described 2 D code information comprises the encrypted message that encryption adopts, the data message of IC-card and transactional operation command information.Described encrypted message can comprise dynamic password information.
Alternatively, user terminal can also have camera function, carries out scanning realizing especially by the camera on user terminal.User terminal, except by using the wireless communication module self possessed to obtain except the 2 D code information of IC-card, by the 2 D code information that the camera scanning EPD display of user terminal shows, can also realize certification or the transaction of information.
Power management module 105, with described bluetooth communication 101, processing module 102, mobile communication module 103 with show operational module 104 and be connected respectively, for managing electric energy respectively to bluetooth communication 101, processing module 102, mobile communication module 103 and display operational module 104.
Alternatively, power management module 105 is specially chargeable flexible lithium battery, the longer time can be used under the cooperation of EPD display, such as, in use, started shooting by the switching on and shutting down button on IC-card, when not needing to use EPD display, by switching on and shutting down button, EPD display is closed, save power supply with this.
Alternatively, power management module 105, can by managing the duty of other modules, when correlation module is in pause mode or do not need its work, power management module 105 can be inserted dormancy, shutoff, waiting status, reduces the power consumption of IC-card with this; When certain module work, the mode of power management module 105 also by reducing frequency of operation makes it operate under low frequency state, thus reduces the power consumption of this module.
When the electricity of IC-card exhausts, carry out electricity not enough or point out user to charge by dodging the information such as screen by EPD display, the product that user can have a same size wireless charger by mobile phone or other charges.
Alternatively, power management module 105 comprises wireless charging unit, when the electricity of IC exhausts, is connected, charges to IC-card by the user terminal of Bluetooth wireless communication module 101 with support function of Bluetooth communication.
Optionally, IC-card also comprises acceleration transducer and gyroscope (not shown).Acceleration transducer, for responding to the change of IC-card acceleration of gravity in use, according to the change of the described acceleration of gravity sensed, adjusts the display state of described flexible display; Gyroscope, for fixing described IC-card direction in use, described direction is mutually vertical with the surface of described flexible display.In IC-card use procedure, user can adjust according to the state of the demand of self to IC-card, such as, user carries out vertically to IC-card, the operation such as transverse direction or reversion, the change of the acceleration transducer in IC-card and the acceleration of gravity of gyroscope induction IC-card in state change process, and the Transaction Information that in rotating, EPD display shows of fixing IC-card or closing the transaction information and user keep normally checking state, avoid the change procedure of IC-card state, the Transaction Information that EPD display shows or transaction complete information and do not change with the change of IC state, user is caused to check inconvenience EPD display showing information.In the present embodiment, acceleration induction device is described, but IC-card is not limited only to comprise acceleration transducer.
The detailed process utilizing user terminal described above and IC-card to carry out concluding the business can be as follows:
In this example, the connection of IC-card and user terminal is that wireless blue tooth connects.
User uses user terminal, carries out online transaction by internet, and described user terminal can be computer, mobile phone, panel computer etc.When user creates trading instruction by display operational module 104 input of IC-card, the bluetooth communication 101 of IC-card sends radio connection request information to user terminal; User terminal carries out wireless connections according to radio connection request information and IC-card; IC-card and user terminal, by after wireless connections, receive the ID authentication request information that user terminal sends, and generate authentication encrypted message; Authentication encrypted message is sent to user terminal, and the authentication encrypted message received is sent to authentication server by user terminal, carries out authentication.After authentication is passed through, authentication server sends authentication success message to user terminal, and user terminal, according to authentication success message, sends IC-card data request information to IC-card; After IC-card receives IC-card data request information, the data message of bluetooth communication 101 pairs of IC-cards carries out digital signature identification, after digital signature identification passes through, digital signature identification is sent to user terminal by information; User terminal receives digital signature identification by obtaining the authority obtaining IC-card data after information, thus obtains the data message in IC-card.
After user terminal gets IC-card data message, user terminal prompting user inputs Transaction Information, such as inputs dealing money; The transaction amount information that the user received inputs is sent to IC-card by user terminal, and described transaction amount information is shown to user by EPD display; The transaction amount information that user shows according to EPD display, carry out transactional operation instruction, described transactional operation instruction can be confirmation to Transaction Information, cancellation or other operations, and namely transactional operation instruction comprises trade confirmation instruction, and instruction and other trading instructions are cancelled in transaction.
In actual application, if user confirms that the transaction amount information that EPD display shows is errorless, can confirm transaction amount information, input Transaction Information confirms instruction; Transaction Information is confirmed that command information carries out data processing and generates Transaction Information confirmation command information by IC-card; IC-card confirms the content of command information according to Transaction Information, completes transaction by communication.
If user finds that the transaction amount information that EPD display shows is wrong, or will cancel this transaction, user can carry out Transaction Information and cancel operation on EPD display, and input Transaction Information cancels instruction; Transaction Information is cancelled command information and is carried out data processing generation Transaction Information cancellation command information by IC-card; IC-card cancels the content of command information according to transaction, completes transaction by communication.
In an object lesson, user, according to the Transaction Information that EPD display shows, carries out corresponding transactional operation instruction, obtains corresponding transactional operation command information after data processing; The processing module 102 of IC-card is encrypted described transactional operation command information; Trading instruction information, the data message of IC-card and the encrypted message of encryption after encryption is converted into 2 D code information by IC-card, and shows on EPD display; User terminal, by the camera function of self, by using camera to scan the 2 D code information that EPD display shows and to decipher, is concluded the business according to the respective transaction operation instruction information after deciphering accordingly.
After having concluded the business, the mobile communication module 103 of IC-card receives transaction and completes information, and completes information by EPD display to described transaction and show to user.Wherein, the information of having concluded the business is comprised account and to be taken in by online transaction or amount paid, prompting customer transaction such as to be successfully completed at the information.User receives after the transaction that EPD display shows completes information, and the wireless connections of IC-card and user terminal can be disconnected, ensure the safety of IC card information with this, be also IC-card saving electric energy simultaneously.
In addition, IC-card of the present invention with can carry out contact between card reader and communicate.Wherein, preferably, carrier band IC-card being exposed card face is arranged on the back side of IC-card, also can occupy the size of card face area according to EPD display, select the front or the side that carrier band are arranged on card.
Therefore, a kind of multifunction IC card provided by the invention, by using the function of Bluetooth communication, mobile communication and tangible display function screen that IC-card has, achieve the wireless two-way communication of IC-card and user terminal, on the basis of radio communication, complete receives information and transactional operation, be very easy to the use of user.
Professional should recognize further, in conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, generally describe composition and the step of each example in the above description according to function.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not thought and exceeds scope of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
Above-described embodiment; object of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only the specific embodiment of the present invention; the protection domain be not intended to limit the present invention; within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (8)
1. an IC-card, is characterized in that, described IC-card comprises:
Bluetooth communication, for setting up wireless connections with user terminal;
Processing module, for by described wireless connections, receives the ID authentication request information that described user terminal sends, and generates authentication encrypted message; Authentication encrypted message is sent to described user terminal, in order to described user terminal, authentication is carried out to described IC-card, and carry out transaction processing after authentication is passed through;
Mobile communication module, for receiving the Transaction Information in described transaction processing process;
Display operational module, for showing described Transaction Information to user, and receives the Transaction Information operational order of described user input.
2. IC-card according to claim 1, is characterized in that, described processing module also for being encrypted by described Transaction Information operational order, and is converted into 2 D code information.
3. IC-card according to claim 2, is characterized in that, described display operational module is also for user's two-dimensional code display information, and described 2 D code information comprises the transactional operation command information obtained after data processing is carried out in described transactional operation instruction.
4. IC-card according to claim 1, is characterized in that, described IC-card also comprises:
Acceleration transducer, for responding to the change of described IC-card acceleration of gravity in use, according to the change of the described acceleration of gravity sensed, adjusts the display state of described flexible display;
Gyroscope, for fixing described IC-card direction in use, described direction is mutually vertical with the surface of described flexible display.
5. IC-card according to claim 1, is characterized in that, described mobile communication module is also for GPRS online and GPRS location.
6. IC-card according to claim 1, is characterized in that, described display operational module is specially: flexible display, and described flexible display comprises electrophoretic display device (EPD).
7. IC-card according to claim 1, is characterized in that, described IC-card also comprises button, for opening or closing described flexible display.
8. IC-card according to claim 1, it is characterized in that, described IC-card also comprises power management module, described power management module is connected with display module respectively with described bluetooth communication, processing module, mobile communication module, for managing electric energy respectively to bluetooth communication, processing module, mobile communication module and display operational module.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410621283.1A CN104318440A (en) | 2014-11-06 | 2014-11-06 | IC card |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410621283.1A CN104318440A (en) | 2014-11-06 | 2014-11-06 | IC card |
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| CN104318440A true CN104318440A (en) | 2015-01-28 |
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| CN104933461A (en) * | 2015-06-17 | 2015-09-23 | 武汉天喻信息产业股份有限公司 | Financial IC card with visual Key function, trading system and trading method |
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| CN105974450A (en) * | 2016-04-27 | 2016-09-28 | 武汉天喻信息产业股份有限公司 | Active card possessing positioning function |
| CN110992581A (en) * | 2019-10-24 | 2020-04-10 | 北京智慧中网科技有限公司 | City all-purpose card with dual identification code |
| CN115065745A (en) * | 2022-06-02 | 2022-09-16 | 北京万家互联科技有限公司 | Near field communication method based on Bluetooth SIM card |
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Application publication date: 20150128 |