CN105225107A - Based on the communication interaction method of integrated card, method for secure transactions and system thereof - Google Patents
Based on the communication interaction method of integrated card, method for secure transactions and system thereof Download PDFInfo
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- CN105225107A CN105225107A CN201510611737.1A CN201510611737A CN105225107A CN 105225107 A CN105225107 A CN 105225107A CN 201510611737 A CN201510611737 A CN 201510611737A CN 105225107 A CN105225107 A CN 105225107A
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- card
- integrated card
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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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Telephonic Communication Services (AREA)
- Mobile Radio Communication Systems (AREA)
Abstract
The invention discloses a kind of communication interaction method based on integrated card, method for secure transactions and system thereof, wherein, communication interaction method comprises: the card image of the identity information of user with corresponding multiple cards be pre-stored within integrated card, and distributes corresponding AID for each card; The non-card-reading terminal that connects is connected by responding to described integrated card, the described non-card-reading terminal that connects carries out adaptive judgement identification by sending AID to described integrated card to make integrated card, and the described non-card-reading terminal that connects reads card image corresponding with described AID in integrated card.Multiple card information integerated in a card, need not be carried multiple card, be easy to carry by the present invention.
Description
Technical field
The present invention relates to Internet communication technology field, be specifically related to a kind of communication interaction method based on integrated card, method for secure transactions and system thereof.
Background technology
There is increasing card on the market now, such as, mass transit card, supermarket card, access card and bank card etc., when being away from home, need the multiple identification password carrying various card and correspondence, inconvenience very, for user, it is also a kind of very large burden.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of communication interaction method based on integrated card, method for secure transactions and system thereof, can by multiple card information integerated in a card, multiple card need not be carried, be easy to carry, and the safety verification that can realize in process of exchange, ensure the security of process of exchange.
The technical scheme that the present invention solves the problems of the technologies described above is as follows:
Based on one aspect of the present invention, provide a kind of communication interaction method based on integrated card, described method comprises:
S11, the card image of the identity information of user with corresponding multiple cards to be pre-stored within integrated card, and to distribute corresponding AID for each card;
S12, the non-card-reading terminal that connects are connected by responding to described integrated card, the described non-card-reading terminal that connects carries out adaptive judgement identification by sending AID to described integrated card to make integrated card, and the described non-card-reading terminal that connects reads card image corresponding with described AID in integrated card.
Based on another aspect of the present invention, the invention provides a kind of communication interaction system based on integrated card, described system comprises integrated card and non-ly connects card-reading terminal;
Described integrated card, for the card image of the identity information with corresponding multiple cards that prestore user, wherein, each card image all has the AID of its correspondence;
Describedly non-ly connecing card-reading terminal, for being connected by respond to described integrated card, and carrying out adaptive judgement identification to described integrated card transmission AID to make integrated card; Also for reading card image corresponding with described AID in integrated card.
Based on another aspect of the present invention, provide a kind of method for secure transactions based on integrated card, described method comprises:
S21, when hold assistant select pay signature function time, transaction related information sends to assistant to hold by sound wave mode or bluetooth approach by mobile terminal;
S22, assistant hold according to exchange hour code and equipment SN number, generation short signature data and expressly SN number, and are encrypted formation encrypt data by the private spoon of equipment to described short signature data and plaintext SN number, and described encrypt data is generated Quick Response Code;
S23, mobile scanning terminal assistant hold the Quick Response Code of generation and resolve, and obtain the short signature data after encrypting and equipment SN number, and send to background server according to the network transmission protocol of regulation;
S24, background server are decrypted the short signature data after the encryption received and equipment SN number according to the public spoon of equipment, obtain the short signature data after deciphering and plaintext SN number, and this plaintext SN number is mated with the plaintext SN number prestored, if consistent, be then verified, allow transaction, and read the transaction fund of integrated card in assistant's end, otherwise authentication failed, refusal is concluded the business.
Based on another aspect of the invention, the invention provides a kind of affaris safety trade system based on integrated card, described system comprises mobile terminal, assistant's end and server;
Described mobile terminal, when being in payment signature status for end of giving a knee, sends to assistant to hold transaction related information by sound wave mode or bluetooth approach; Also hold the Quick Response Code of generation for scanning assistant and resolve, obtaining the short signature data after encrypting and equipment SN number, and send to background server according to the network transmission protocol of regulation;
Described assistant's end, for according to exchange hour code and equipment SN number, generation short signature data and expressly SN number, and by equipment private spoon, formation encrypt data is encrypted to described short signature data and plaintext SN number, and described encrypt data is generated Quick Response Code;
Described background server, for being decrypted the short signature data after the encryption received and equipment SN number according to the public spoon of equipment, obtain the short signature data after deciphering and plaintext SN number, and this plaintext SN number is mated, if unanimously with the plaintext SN number prestored, then be verified, allow transaction, and read the transaction fund of integrated card in assistant's end, otherwise, authentication failed, refusal is concluded the business.
A kind of communication interaction method and system based on integrated card provided by the invention, the card image of multiple card is integrated in a card, and distribute corresponding AID to each card image, the non-card-reading terminal that connects reads corresponding card image by carrying out adaptive judgement identification to integrated card transmission AID, multiple card need not be carried, be easy to carry.
In addition, a kind of method for secure transactions based on integrated card provided by the invention and system, mobile terminal is communicated by sound wave mode or bluetooth approach between holding with the assistant being provided with integrated card, reduces hardware cost; Holding assistant adopts the form of encryption and generation Quick Response Code and mobile terminal to carry out data transmission, ensure that the security of data in process of exchange.
Accompanying drawing explanation
Fig. 1 is a kind of communication interaction method flow diagram based on integrated card of the embodiment of the present invention 1;
Fig. 2 is a kind of communication interaction system schematic diagram based on integrated card of the embodiment of the present invention 2;
Fig. 3 is a kind of method for secure transactions process flow diagram based on integrated card of the embodiment of the present invention 3;
Fig. 4 is a kind of affaris safety trade system schematic diagram based on integrated card of the embodiment of the present invention 4.
Embodiment
Be described principle of the present invention and feature below in conjunction with accompanying drawing, example, only for explaining the present invention, is not intended to limit scope of the present invention.
Embodiment 1, a kind of communication interaction method based on integrated card.Below in conjunction with Fig. 1, the communication interaction method that the present embodiment provides is described in detail.
See Fig. 1, S11, the card image of the identity information of user with corresponding multiple cards is pre-stored within integrated card, and distributes corresponding AID for each card.
Concrete, when multiple card, usually need to carry various card, such as, access card, mass transit card, Payment Card etc., carry various card very inconvenient.Based on this, the identity information of user prestores in integrated card with the card image of corresponding multiple cards by the present embodiment, wherein, is the corresponding relation of one-to-many between the identity information of user and card image, namely the identity information of user is one, can corresponding a lot of card images.The identity information of user and multiple card image are stored in after in integrated card, and distribute the unique identification of AID as card of its correspondence for each card.
S12, the non-card-reading terminal that connects are connected by responding to described integrated card, the described non-card-reading terminal that connects carries out adaptive judgement identification by sending AID to described integrated card to make integrated card, and the described non-card-reading terminal that connects reads card image corresponding with described AID in integrated card.
Concrete, when identifying the multiple cards in integrated card, integrated card is connected by responding to non-connecing between card-reading terminal, concrete integrated card is responded to by short-distance wireless communication be connected with the non-card-reading terminal that connects, such as, integrated card is responded to by NFC (NearFieldCommunication, the short distance wireless communication technology) or RFID (RadioFrequencyIdentification, radio-frequency (RF) identification) or infrared communication be connected with the non-card-reading terminal that connects.
Non-ly connect after card-reading terminal and integrated card establish be connected by induction, non-ly meet the AID of card-reading terminal to integrated card sending card sheet, integrated card have received non-meet the AID of card-reading terminal after, carry out adaptive judgement identification, and the card image corresponding with this AID is transferred to non-ly connects card-reading terminal.
Embodiment 2, a kind of communication interaction system based on integrated card.Below in conjunction with Fig. 2, the communication interaction system that the present embodiment provides is described in detail.
See Fig. 2, the communication interaction system that the present embodiment provides comprises integrated card 21 and non-ly connects card-reading terminal 22.Wherein, integrated card 21, for the card image of the identity information with corresponding multiple cards that prestore user, each card image all has the AID of its correspondence.Non-ly connect card-reading terminal 22, for being connected by responding to described integrated card 21, and sending AID to described integrated card 21 and carry out adaptive judgement identification to make integrated card; Also for reading card image corresponding with described AID in integrated card 21.Wherein, the non-card-reading terminal 22 that connects to be responded to described integrated card 21 by short-distance wireless communication and is connected, and such as, integrated card is responded to by NFC or RFID or infrared communication be connected with the non-card-reading terminal that connects.
Embodiment 3, a kind of method for secure transactions based on integrated card.Below in conjunction with Fig. 3, the method that the present embodiment provides is described in detail.
See Fig. 3, S21, when holding selection to pay signature function assistant, transaction related information sends to assistant to hold by sound wave mode or bluetooth approach by mobile terminal.
S22, assistant hold according to exchange hour code and equipment SN number, generation short signature data and expressly SN number, and are encrypted formation encrypt data by the private spoon of equipment to described short signature data and plaintext SN number, and described encrypt data is generated Quick Response Code;
S23, mobile scanning terminal assistant hold the Quick Response Code of generation and resolve, and obtain the short signature data after encrypting and equipment SN number, and send to background server according to the network transmission protocol of regulation;
S24, background server are decrypted the short signature data after the encryption received and equipment SN number according to the public spoon of equipment, obtain the short signature data after deciphering and plaintext SN number, and this plaintext SN number is mated with the plaintext SN number prestored, if consistent, be then verified, allow transaction, and read the transaction fund of integrated card in assistant's end, otherwise authentication failed, refusal is concluded the business.
Wherein, the present embodiment is integrated with low-power consumption Bluetooth chip at assistant's end, and therefore mobile terminal can be held by sound wave mode or bluetooth approach and assistant and set up communication and realize data and transmit.In addition, the network transmission protocol in above-mentioned steps S23 is generally https (HyperTextTransferProtocoloverSecureSocketLayer, Hyper text transfer security protocol).
Embodiment 4, a kind of affaris safety trade system based on integrated card.Below in conjunction with Fig. 4, the affaris safety trade system that the present embodiment provides is described in detail.
See Fig. 4, the affaris safety trade system that the present embodiment provides comprises that assistant holds 41, mobile terminal 42 and server 43.Wherein, mobile terminal 42, when being in payment signature status for end 41 of giving a knee, sends to assistant to hold 41 transaction related information by sound wave mode or bluetooth approach; Also hold the Quick Response Code of 41 generations for scanning assistant and resolve, obtaining the short signature data after encrypting and equipment SN number, and send to server background 43 according to the network transmission protocol of regulation.Wherein, transaction related information comprises payment account number, shroff account number, bank of deposit, payee name, transfer amounts and exchange hour etc.
Assistant holds 41, for according to exchange hour code and equipment SN number, generates short signature data and expressly SN number, and by the private spoon of equipment to described short signature data and expressly SN number be encrypted formation encrypt data, and described encrypt data is generated Quick Response Code.
Background server 43, for being decrypted the short signature data after the encryption received and equipment SN number according to the public spoon of equipment, obtain the short signature data after deciphering and plaintext SN number, and this plaintext SN number is mated, if unanimously with the plaintext SN number prestored, then be verified, allow transaction, and read the transaction fund of integrated card in assistant's end, otherwise, authentication failed, refusal is concluded the business.
Wherein, hold in 41 be integrated with low-power consumption Bluetooth chip assistant, therefore mobile terminal 42 can be held 41 foundation communications to realize data by sound wave mode or bluetooth approach and assistant to transmit.In addition, mobile terminal 42 carries out communication interaction by network transmission protocol https and server usually.
A kind of communication interaction method and system based on integrated card provided by the invention, the card image of multiple card is integrated in a card, and each card is distributed to the AID of its correspondence, when identifying the multiple cards in integrated card, the non-card-reading terminal that connects is by the AID of integrated card sending card sheet to make integrated card carry out adaptive judgement identification by the AID of card, non-ly connect the card image that card-reading terminal reads card corresponding to AID in integrated card, multiple card can be integrated in a card, multiple card need not be carried, be easy to carry.
In addition, a kind of method for secure transactions based on integrated card provided by the invention and system, mobile terminal is communicated by sound wave mode or bluetooth approach between holding with the assistant being provided with integrated card, reduces hardware cost; Holding assistant adopts the form of encryption and generation Quick Response Code and mobile terminal to carry out data transmission, ensure that the security of data in process of exchange.
In the description of this instructions, concrete grammar, device or feature that the description of reference term " embodiment one ", " example ", " concrete example " or " some examples " etc. means to describe in conjunction with this embodiment or example are contained at least one embodiment of the present invention or example.In this manual, to the schematic representation of above-mentioned term not must for be identical embodiment or example.And the specific features of description, method, device or feature can combine in one or more embodiment in office or example in an appropriate manner.In addition, when not conflicting, the feature of the different embodiment described in this instructions or example and different embodiment or example can carry out combining and combining by those skilled in the art.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, 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 (10)
1. based on a communication interaction method for integrated card, it is characterized in that, described method comprises:
S11, the card image of the identity information of user with corresponding multiple cards to be pre-stored within integrated card, and to distribute corresponding AID for each card;
S12, the non-card-reading terminal that connects are connected by responding to described integrated card, the described non-card-reading terminal that connects carries out adaptive judgement identification by sending AID to described integrated card to make integrated card, and the described non-card-reading terminal that connects reads card image corresponding with described AID in integrated card.
2. a kind of communication interaction method based on integrated card as claimed in claim 1, is characterized in that, the non-card-reading terminal that connects to be responded to described integrated card by short-distance wireless communication and is connected.
3. a kind of communication interaction method based on integrated card as claimed in claim 2, is characterized in that, described short-distance wireless communication is NFC or infrared or RFID communication.
4. based on a communication interaction system for integrated card, it is characterized in that, described system comprises integrated card and non-ly connects card-reading terminal;
Described integrated card, for the card image of the identity information with corresponding multiple cards that prestore user, wherein, each card image all has the AID of its correspondence;
Describedly non-ly connecing card-reading terminal, for being connected by respond to described integrated card, and carrying out adaptive judgement identification to described integrated card transmission AID to make integrated card; Also for reading card image corresponding with described AID in integrated card.
5. the communication interaction system of a kind of integrated card as claimed in claim 4, is characterized in that, the non-card-reading terminal that connects to be responded to described integrated card by short-distance wireless communication and is connected.
6. based on a method for secure transactions for integrated card, it is characterized in that, described method comprises:
S21, when hold assistant select pay signature function time, transaction related information sends to assistant to hold by sound wave mode or bluetooth approach by mobile terminal;
S22, assistant hold according to exchange hour code and equipment SN number, generation short signature data and expressly SN number, and are encrypted formation encrypt data by the private spoon of equipment to described short signature data and plaintext SN number, and described encrypt data is generated Quick Response Code;
S23, mobile scanning terminal assistant hold the Quick Response Code of generation and resolve, and obtain the short signature data after encrypting and equipment SN number, and send to background server according to the network transmission protocol of regulation;
S24, background server are decrypted the short signature data after the encryption received and equipment SN number according to the public spoon of equipment, obtain the short signature data after deciphering and plaintext SN number, and this plaintext SN number is mated with the plaintext SN number prestored, if consistent, be then verified, allow transaction, and read the transaction fund of integrated card in assistant's end, otherwise authentication failed, refusal is concluded the business.
7. a kind of method for secure transactions based on integrated card as claimed in claim 6, it is characterized in that, the described network transmission protocol is https host-host protocol.
8. based on an affaris safety trade system for integrated card, it is characterized in that, described system comprises mobile terminal, assistant's end and background server;
Described mobile terminal, for end of giving a knee be in pay signature status time, by sound wave mode or bluetooth approach by transaction related information) send to assistant to hold; Also hold the Quick Response Code of generation for scanning assistant and resolve, obtaining the short signature data after encrypting and equipment SN number, and send to background server according to the network transmission protocol of regulation;
Described assistant's end, for according to exchange hour code and equipment SN number, generation short signature data and expressly SN number, and by equipment private spoon, formation encrypt data is encrypted to described short signature data and plaintext SN number, and described encrypt data is generated Quick Response Code;
Described background server, for being decrypted the short signature data after the encryption received and equipment SN number according to the public spoon of equipment, obtain the short signature data after deciphering and plaintext SN number, and this plaintext SN number is mated, if unanimously with the plaintext SN number prestored, then be verified, allow transaction, and read the transaction fund of integrated card in assistant's end, otherwise, authentication failed, refusal is concluded the business.
9. a kind of affaris safety trade system based on integrated card as claimed in claim 8, is characterized in that, described assistant's end is integrated with low-power consumption Bluetooth chip.
10. a kind of affaris safety trade system based on integrated card as claimed in claim 8, it is characterized in that, the described network transmission protocol is https host-host protocol.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510611737.1A CN105225107A (en) | 2015-09-23 | 2015-09-23 | Based on the communication interaction method of integrated card, method for secure transactions and system thereof |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201510611737.1A CN105225107A (en) | 2015-09-23 | 2015-09-23 | Based on the communication interaction method of integrated card, method for secure transactions and system thereof |
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| US20120323781A1 (en) * | 2003-03-19 | 2012-12-20 | Sony Corporation | Communication system, settlement management apparatus and method, portable information terminal and information processing method, and program |
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| CN102013035A (en) * | 2010-09-27 | 2011-04-13 | 钱袋网（北京）信息技术有限公司 | Card storing multi-account information |
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Application publication date: 20160106 |