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CN103810517B - A kind of non-contact card that can independently query the balance and supplement with money and using method thereof - Google Patents

A kind of non-contact card that can independently query the balance and supplement with money and using method thereof Download PDF

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Publication number
CN103810517B
CN103810517B CN201410065462.1A CN201410065462A CN103810517B CN 103810517 B CN103810517 B CN 103810517B CN 201410065462 A CN201410065462 A CN 201410065462A CN 103810517 B CN103810517 B CN 103810517B
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balance
money
processing modules
internal processing
card
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CN103810517A (en
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刘宏伟
薛伟伟
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Beijing Zhongtian Xinan Technology Co Ltd
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Individual
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Abstract

The present invention relates to a kind of non-contact card that can independently query the balance and supplement with money and using method thereof, including the usb interface module for providing communication based on usb protocol;For the message from usb interface module or internal processing modules received is carried out protocol conversion, it is achieved the interface modular converter of the message intercommunication of usb interface module and internal processing modules;The message sent for Processing Interface modular converter and non-contact interface module, it is achieved the internal processing modules of digital certificate functionality, inquiry into balance and charging function;For providing contactless communication, and interact with internal processing modules, it is achieved the non-contact interface module of electronic cash function of swiping card;The present invention had both possessed the function of the digital certificate of USB KEY, for network security, possesses again contactless smart card function, for conveniently paying, by USB interface, contactless smart card can also be supplemented with money and inquiry into balance, greatly facilitate the life of people.

Description

A kind of non-contact card that can independently query the balance and supplement with money and using method thereof
Technical field
The present invention relates to electronic technology field, particularly relate to a kind of can independently query the balance and supplement with money non-connect Touch card and using method thereof.
Background technology
The development of electronic information technology, greatly facilitates the life of people, and people are carried out on network Business activity gets more and more.For the security of guarantee information, USB KEY uses more and more extensive.As, The U-shield of industrial and commercial bank, the Net silver shield etc. of Construction Bank.
Common USB KEY is usually the digital certificate as user, for network security, but its merit Can be single, do not possess the function of bankcard consumption.And common non-contact card, as: public transport subway uses All-purpose card, is commonly used in and carries out bankcard consumption, and this card is normally only distinguished difference each other by card number, do not had Standby as digital certificate, identify the ability of user's identity, and supplement the mechanism being also required to fix with money and enter Row is supplemented with money, have impact on the convenience that non-contact card uses.
USB KEY and two kinds of function its things of each row of non-contact card, the Digital Certificate Security function of USB KEY Contactless smart card can not be safely provided any guarantee, be often required to if contactless smart card to be supplemented with money Go to mechanism that fix, safe, user is caused the biggest inconvenience, and user can not be in and check The remaining sum of non-contact card, it is impossible to non-contact card remaining sum is the most sufficient in time.
Therefore, need a kind of product of development badly, both possessed the function of the digital certificate of USB KEY, for net Network safety, possesses again contactless smart card function, for conveniently paying, it is also possible to pass through USB Contactless smart card is supplemented with money and inquiry into balance by interface, then can greatly facilitate the life of people.
Summary of the invention
The technical problem to be solved is for the deficiencies in the prior art, it is provided that one can independently be looked into Ask remaining sum and the non-contact card supplemented with money and using method thereof, both there is the function of digital certificate, possessed again non- Contact card function, convenient and swift payment, especially can realize independently supplementing with money and inquiry into balance, it is not necessary to go special Mechanism carries out supplementing with money and inquiry into balance.
The technical scheme is that one can independently query the balance and supplement with money Non-contact card, connect including usb interface module, interface modular converter, internal processing modules, noncontact Mouth die block;Described usb interface module is connected with one end of interface modular converter, described interface modular converter The other end be connected with internal processing modules, the other end of internal processing modules and non-contact interface module are even Connect;
Described usb interface module, it is for providing communication based on usb protocol;
Described interface modular converter, its for receive from usb interface module or internal processing modules Message carry out protocol conversion, it is achieved the message intercommunication of usb interface module and internal processing modules;
Described internal processing modules, it sends for Processing Interface modular converter and non-contact interface module Message, it is achieved digital certificate functionality, inquiry into balance and charging function;
Described non-contact interface module, is used for providing contactless communication, and hands over internal processing modules Mutually, it is achieved electronic cash function of swiping card.
The invention has the beneficial effects as follows: the present invention had both possessed the function of the digital certificate of USB KEY, was used for Network security, possesses again contactless smart card function, for conveniently paying, it is also possible to pass through USB Contactless smart card is supplemented with money and inquiry into balance by interface, greatly facilitates the life of people.
On the basis of technique scheme, the present invention can also do following improvement.
Further, described internal processing modules includes main control unit, USB KEY unit, safety loop deposit receipt Unit and electronic cash unit;
Described main control unit, it starts USB KEY for the command selection sent according to interface modular converter Unit or safety loop memory cell;
Described USB KEY unit, it is for receiving the startup order that main control unit sends, with extraneous friendship Easily platform carries out authentication, sets up level of security;
Described safety loop memory cell, it is for receiving the startup order that main control unit sends, it is judged that USB KEY Whether the level of security that unit is set up reaches pre-provisioning request, reaches pre-provisioning request just receiving interface modular converter Send inquiry into balance order or supplement order with money, obtain from electronic cash unit according to inquiry into balance order Balance data, and return to interface modular converter, confirm to supplement with money with extraneous transaction platform according to supplementing order with money The correctness of information, confirms the correct rear balance data revising electronic cash unit;
Described electronic cash unit, it is used for stored balance data, and fits into non-contact interface module Row noncontact bankcard consumption.
Further, described USB KEY unit be additionally operable to by interface modular converter, usb interface module with Extraneous transaction platform consulting session key, and session key is sent to safety loop memory cell.
Further, described non-contact interface module uses ISO14443 agreement to carry out contactless communication.
Further, described non-contact interface module use double-interface IC card chip or RF card reader chip with The combination of RFID chip.
Another technical scheme that the present invention solves above-mentioned technical problem is as follows: one utilizes non-contact card to realize Autonomous inquiry into balance, the method supplemented with money and swipe the card, including following inquiry into balance or the step supplemented with money:
Step 1: the main control unit of internal processing modules is connect by usb interface module and interface modular converter Receive the order that extraneous transaction platform webpage sends, and judge command type, if inquiry into balance order is then Perform step 2;If supplementing order with money to perform step 3;
Step 2: directly initiating the safety loop memory cell of internal processing modules, safety loop memory cell is according to remaining Balance data in volume querying command acquisition electronic cash unit, and return to the webpage of transaction platform, hold Row step 9;
Step 3: start the USB KEY unit of internal processing modules, USB KEY unit is flat with extraneous transaction Platform carries out safety check, and sets up level of security;
Step 4: the safety loop memory cell of internal processing modules differentiates the level of security in USB KEY unit Whether reaching pre-provisioning request, if reached, performing step 5;Otherwise perform step 9;
Step 5: input transaction data to transaction platform by the webpage of transaction platform, transaction platform is carried out The safety loop memory cell of internal processing modules it is sent to after encryption;
Step 6: the safety loop memory cell of internal processing modules examines the source of transaction data, examines and passes through Transaction data confirmation is returned to transaction platform;
Step 7: transaction platform deducts the corresponding amount of money of user account after receiving transaction data confirmation, and Internally the safety loop memory cell of processing module sends information of withholing;
Step 8: after the safety loop memory cell of internal processing modules receives information of withholing, revises electronics The balance data of cash unit, and return remaining sum amendment information to transaction platform;
Step 9: terminate execution process.
On the basis of technique scheme, the present invention can also do following improvement.
Further, technique scheme also includes step of swiping the card as follows:
The electronic cash unit of described non-contact interface module internally processing module sends card using information, repaiies Change the balance data of electronic cash unit.
Further, the USB KEY unit of internal processing modules described in step 1 carries out safety check and includes:
Operating personnel are carried out password verification, confirms the identity of operating personnel, with the preposition net of transaction platform Page carries out internal authentication, confirms the identity of preposition webpage;Preposition webpage is carried out by certificate with transaction platform External identity certification, confirms the identity of transaction platform.
Use the beneficial effect of above-mentioned further scheme: carry out password verification, be possible to prevent other people without permitting Permitted privately to use described non-contact card to be traded;Carry out internal authentication, it can be ensured that preposition webpage identity Security, prevent the preposition webpage such as fishing website of personation, personation is stolen secret information;Carry out external authentication, May insure that the security of transaction platform identity, and then consulting session key, prevent information in transmitting procedure In be ravesdropping and distort;Above-mentioned multi-level certification, greatly strengthen the security of transaction.
Further, step 1 also includes verify by rear, USB KEY unit and transaction platform consultation meeting Words key;Session key is sent to safety loop memory cell by USB KEY unit;Transaction platform is internally located The transaction data that the safety loop memory cell of reason module sends, information of withholing, and safety loop memory cell The transaction data confirmation sent to transaction platform, remaining sum amendment information is all added by session key Retransmit after close.
Accompanying drawing explanation
Fig. 1 is a kind of non-contact card structured flowchart that can independently query the balance and supplement with money of the present invention;
Fig. 2 is internal processing modules structured flowchart of the present invention;
Fig. 3 be a kind of utilize non-contact card of the present invention realize independently query the balance and supplement with money and swipe the card Method flow diagram.
In accompanying drawing, the list of parts representated by each label is as follows:
100, usb interface module, 200, interface modular converter, 300, internal processing modules, 400, Non-contact interface module, 301, main control unit, 302, USB KEY unit, 303, safety loop memory cell, 304, electronic cash unit.
Detailed description of the invention
Being described principle and the feature of the present invention below in conjunction with accompanying drawing, example is served only for explaining this Invention, is not intended to limit the scope of the present invention.
As it is shown in figure 1, a kind of non-contact card that can independently query the balance and supplement with money, including USB interface mould Block 100, interface modular converter 200, internal processing modules 300, non-contact interface module 400;Described Usb interface module 100 is connected with one end of interface modular converter 200, described interface modular converter 200 The other end be connected with internal processing modules 300, the other end of internal processing modules 300 connects with noncontact Mouth die block 400 connects;
Described usb interface module 100, it is for providing communication based on usb protocol;
Described interface modular converter 200, its for receive from usb interface module or inter-process The message of module carries out protocol conversion, it is achieved usb interface module and the message intercommunication of internal processing modules;
Described internal processing modules 300, it is sent out for Processing Interface modular converter and non-contact interface module The message sent, it is achieved digital certificate functionality, inquiry into balance and charging function;
Described non-contact interface module 400, is used for providing contactless communication, and enters with internal processing modules Row is mutual, it is achieved electronic cash function of swiping card.
Wherein, the message that usb interface module 100 receives specifically is carried out by described interface modular converter 200 After protocol conversion, send internal processing modules 300 to;Or the message that internal processing modules 300 sent Carry out protocol conversion, send usb interface module 100 to;Described interface modular converter 200 can be by USB Interface conversion is interface or the SPI interface of ISO7816 series.
Wherein, described internal processing modules 300 possesses common the connecing such as ISO7816, SPI, GPIO Mouthful.
Wherein, described non-contact interface module 400 uses ISO14443 agreement to carry out contactless communication.
Wherein, described non-contact interface module 400 uses double-interface IC card chip or RF card reader chip Combination with RFID chip.
Described non-contact interface module 400 may be embodied in internal processing modules 300, as wherein A logical device, it is also possible to as a single device, by pin and internal processing modules 300 It is attached.
As in figure 2 it is shown, described internal processing modules 300 includes main control unit 301, USB KEY unit 302, safety loop memory cell 303 and electronic cash unit 304;
Described main control unit 301, it starts USB for the command selection sent according to interface modular converter KEY unit 301 or safety loop memory cell 302;
Described USB KEY unit 302, it is for receiving the startup order that main control unit 301 sends, with Extraneous transaction platform carries out authentication, sets up level of security;
Described safety loop memory cell 303, it, for receiving the startup order that main control unit 301 sends, is sentenced Whether the level of security that disconnected USB KEY unit 302 is set up reaches pre-provisioning request, reaches pre-provisioning request and just connects Receive interface modular converter 200 send inquiry into balance order or supplement order with money, according to inquiry into balance order from Electronic cash unit 304 obtains balance data, and returns to interface modular converter, according to supplementing order with money With the correctness that extraneous transaction platform confirms charging information, confirm the remaining of correct rear amendment electronic cash unit Specified number evidence;
Described electronic cash unit 304, its be used for stored balance data, and with non-contact interface module 400 Coordinate and carry out noncontact bankcard consumption.
Wherein, described USB KEY unit 301 is additionally operable to by interface modular converter 200, USB interface Module 100 and extraneous transaction platform consulting session key, and session key is sent to safety loop memory cell 302。
Wherein, safety loop memory cell 302, it is primarily used to security and the validity ensureing to supplement with money.
The non-contact card that can independently query the balance and supplement with money of the present invention, by usb interface module 100 (USB interface and usb circuit) and PC etc. have the equipment of USB control bus and communicate, also Can be communicated as PICC with PCD by non-contact interface module 400.
Internal processing modules contains the function firmware of USB KEY, but makes whole device as USB KEY External equipment uses;Contain electronic cash function firmware, but make whole device as noncontact IC-card communicates with the outside device containing contactless card reader;Contain safety loop and deposit consolidating of function Part, after safety condition is met, inquires about the remaining sum of electronic cash and revises.
Non-contact card is utilized to realize autonomous inquiry into balance, the method supplemented with money and swipe the card as it is shown on figure 3, a kind of, Including following inquiry into balance or the step supplemented with money:
Step 1: the main control unit of internal processing modules is connect by usb interface module and interface modular converter Receive the order that extraneous transaction platform webpage sends, and judge command type, if inquiry into balance order is then Perform step 2;If supplementing order with money to perform step 3;
Step 2: directly initiating the safety loop memory cell of internal processing modules, safety loop memory cell is according to remaining Balance data in volume querying command acquisition electronic cash unit, and return to the webpage of transaction platform, hold Row step 9;
Step 3: start the USB KEY unit of internal processing modules, USB KEY unit is flat with extraneous transaction Platform carries out safety check, and sets up level of security;
Step 4: the safety loop memory cell of internal processing modules differentiates the level of security in USB KEY unit Whether reaching pre-provisioning request, if reached, performing step 5;Otherwise perform step 9;
Step 5: input transaction data to transaction platform by the webpage of transaction platform, transaction platform is carried out The safety loop memory cell of internal processing modules it is sent to after encryption;
Step 6: the safety loop memory cell of internal processing modules examines the source of transaction data, examines and passes through Transaction data confirmation is returned to transaction platform;
Step 7: transaction platform deducts the corresponding amount of money of user account after receiving transaction data confirmation, and Internally the safety loop memory cell of processing module sends information of withholing;
Step 8: after the safety loop memory cell of internal processing modules receives information of withholing, revises electronics The balance data of cash unit, and return remaining sum amendment information to transaction platform;
Step 9: terminate execution process.
The safety loop memory cell of internal processing modules of the present invention and electronic cash unit, can effectively identify friendship The easily identity of both sides, and can through the encryption of the confirmation and Transaction Information that complete transaction content the most alternately and Signature, it is ensured that dealing money is not ravesdropping, distorts and non-repudiation.
Wherein, technique scheme also includes step of swiping the card as follows:
The electronic cash unit of described non-contact interface module internally processing module sends card using information, repaiies Change the balance data of electronic cash unit.
Wherein, the USB KEY unit of internal processing modules described in step 1 carries out safety check and includes:
Operating personnel are carried out password verification, confirms the identity of operating personnel, with the preposition net of transaction platform Page carries out internal authentication, confirms the identity of preposition webpage;Preposition webpage is carried out by certificate with transaction platform External identity certification, confirms the identity of transaction platform.
Wherein, step 1 also includes verify by rear, USB KEY unit and transaction platform consulting session Key;Session key is sent to safety loop memory cell by USB KEY unit;Transaction platform internally processes The transaction data that the safety loop memory cell of module sends, information of withholing, and safety loop memory cell to The transaction data confirmation that transaction platform sends, remaining sum amendment information all passes through session key After retransmit.
Non-contact card of the present invention, it can be brushed as general non-contact card (mass transit card, mess card) etc. Card consumption, it is also possible to carry out autonomous inquiry into balance on PC by USB interface and supplement operation with money.
When independently supplementing with money, first transaction platform can send the transaction letter with signature to non-contact card Breath, after non-contact card receives Transaction Information, can examine the signature of Transaction Information, if it is determined that be that transaction is flat Platform sends, then can respond response message in the way of application cryptogram;The response letter that transaction platform receives Breath for allowing this transaction, then can deduct the money of user account, and result signature of withholing is sent to non-connecing Touch card;What non-contact card received withhold, and result is successfully, then enter the electronic cash balances in non-contact card Row is supplemented with money, and recharging result signature is sent to transaction platform;After transaction platform receives recharging result, as Really card successful recharging, then by displays such as webpages: successful recharging;If transaction platform does not receive and fills Value result, or supplement with money unsuccessfully, then, prompting user should be supplemented with money correction.User selects to supplement correction with money After, transaction platform judges the reason of Fail Transaction, if card is supplemented with money unsuccessfully, the most again supplements with money.If It is successful recharging, and does not receive recharging result, then closing the transaction.
Non-contact card of the present invention can ensure the security of account as USB KEY, it is also possible to as Smart card carries out bankcard consumption.And USB interface is done multiplexing, by usb interface module and connecing Mouthful modular converter, carry out safety can to electronic cash account and supplement with money and inquiry into balance, need not allow use again Person goes fixed mechanism to supplement with money.
USB KEY ensure that the security of the operation of network account, can coordinate internal processing modules simultaneously Safety loop memory cell ensures in the security carrying out supplementing with money and inquiring about operation to electronic cash balances.Electronics is existing Gold can be used to carry out quickly, bankcard consumption easily.Several functions complement each other, the most easy to use, Can guarantee that again safety, of many uses, and can be under identical use function, what minimizing user held relates to The quantity of the object of function, but also substantially conformed to user's use habit originally, collect multiple advantage With all over the body, significantly facilitate user.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all in the present invention Spirit and principle within, any modification, equivalent substitution and improvement etc. made, should be included in this Within bright protection domain.

Claims (8)

1. the non-contact card that can independently query the balance and supplement with money, it is characterised in that include that USB connects Mouth die block, interface modular converter, internal processing modules, non-contact interface module;Described USB interface mould Block is connected with one end of interface modular converter, the other end of described interface modular converter and internal processing modules Connecting, the other end of internal processing modules is connected with non-contact interface module;
Described usb interface module, it is for providing communication based on usb protocol;
Described interface modular converter, its for receive from usb interface module or internal processing modules Message carry out protocol conversion, it is achieved the message intercommunication of usb interface module and internal processing modules;
Described internal processing modules, it sends for Processing Interface modular converter and non-contact interface module Message, it is achieved digital certificate functionality, inquiry into balance and charging function;
Described non-contact interface module, is used for providing contactless communication, and hands over internal processing modules Mutually, it is achieved electronic cash function of swiping card;
Described internal processing modules includes main control unit, USB KEY unit, safety loop memory cell and electronics Cash unit;
Described main control unit, it starts USB KEY for the command selection sent according to interface modular converter Unit or safety loop memory cell;
Described USB KEY unit, it is for receiving the startup order that main control unit sends, with extraneous friendship Easily platform carries out authentication, sets up level of security;
Described safety loop memory cell, it is for receiving the startup order that main control unit sends, it is judged that USB KEY Whether the level of security that unit is set up reaches pre-provisioning request, reaches pre-provisioning request just receiving interface modular converter Send inquiry into balance order or supplement order with money, obtain from electronic cash unit according to inquiry into balance order Balance data, and return to interface modular converter, confirm to supplement with money with extraneous transaction platform according to supplementing order with money The correctness of information, confirms the correct rear balance data revising electronic cash unit;
Described electronic cash unit, it is used for stored balance data, and fits into non-contact interface module Row noncontact bankcard consumption.
A kind of non-contact card that can independently query the balance and supplement with money, it is special Levying and be, described USB KEY unit is additionally operable to by interface modular converter, usb interface module with extraneous Transaction platform consulting session key, and session key is sent to safety loop memory cell.
A kind of non-contact card that can independently query the balance and supplement with money, it is special Levying and be, described non-contact interface module uses ISO14443 agreement to carry out contactless communication.
A kind of non-contact card that can independently query the balance and supplement with money, it is special Levying and be, described non-contact interface module uses double-interface IC card chip or RF card reader chip and RFID The combination of chip.
5. one kind utilizes arbitrary described noncontact that can independently query the balance and supplement with money in claim 1-4 Card realizes autonomous inquiry into balance, the method supplemented with money and swipe the card, it is characterised in that include following inquiry into balance Or the step supplemented with money:
Step 1: the main control unit of internal processing modules is connect by usb interface module and interface modular converter Receive the order that extraneous transaction platform webpage sends, and judge command type, if inquiry into balance order is then Perform step 2;If supplementing order with money to perform step 3;
Step 2: directly initiating the safety loop memory cell of internal processing modules, safety loop memory cell is according to remaining Balance data in volume querying command acquisition electronic cash unit, and return to the webpage of transaction platform, hold Row step 9;
Step 3: start the USB KEY unit of internal processing modules, USB KEY unit is flat with extraneous transaction Platform carries out safety check, and sets up level of security;
Step 4: the safety loop memory cell of internal processing modules differentiates the level of security in USB KEY unit Whether reaching pre-provisioning request, if reached, performing step 5;Otherwise perform step 9;
Step 5: input transaction data to transaction platform by transaction platform webpage, transaction platform adds The safety loop memory cell of internal processing modules it is sent to after close process;
Step 6: the safety loop memory cell of internal processing modules examines the source of transaction data, examines and passes through Transaction data confirmation is returned to transaction platform;
Step 7: transaction platform deducts the corresponding amount of money of user account after receiving transaction data confirmation, and Internally the safety loop memory cell of processing module sends information of withholing;
Step 8: after the safety loop memory cell of internal processing modules receives information of withholing, revises electronics The balance data of cash unit, and return remaining sum amendment information to transaction platform;
Step 9: terminate execution process.
A kind of realize autonomous inquiry into balance, the method supplemented with money and swipe the card, It is characterized in that, also include swiping the card as follows step:
The electronic cash unit of described non-contact interface module internally processing module sends card using information, repaiies Change the balance data of electronic cash unit.
A kind of realize autonomous inquiry into balance, the method supplemented with money and swipe the card, It is characterized in that, the USB KEY unit of internal processing modules described in step 1 carries out safety check and includes:
Operating personnel are carried out password verification, confirms the identity of operating personnel, with the preposition net of transaction platform Page carries out internal authentication, confirms the identity of preposition webpage;Preposition webpage is carried out by certificate with transaction platform External identity certification, confirms the identity of transaction platform.
A kind of realize autonomous inquiry into balance, the method supplemented with money and swipe the card, It is characterized in that, step 1 also includes verify by rear, USB KEY unit and transaction platform consultation meeting Words key;Session key is sent to safety loop memory cell by USB KEY unit;Transaction platform is internally located The transaction data that the safety loop memory cell of reason module sends, information of withholing, and safety loop memory cell The transaction data confirmation sent to transaction platform, remaining sum amendment information is all added by session key Retransmit after close.
CN201410065462.1A 2014-02-25 2014-02-25 A kind of non-contact card that can independently query the balance and supplement with money and using method thereof Active CN103810517B (en)

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CN109447627B (en) * 2018-12-19 2024-02-06 浩勉(深圳)新能源有限公司 Remote recharging device based on Lora wireless communication
CN112508159B (en) * 2020-12-22 2024-10-29 楚天龙股份有限公司 Information conversion method for rapidly converting information and smart card

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CN202058254U (en) * 2011-05-17 2011-11-30 武汉天喻信息产业股份有限公司 USB Key device with card reader function

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CN202058254U (en) * 2011-05-17 2011-11-30 武汉天喻信息产业股份有限公司 USB Key device with card reader function

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