CN108334926A - Fingerprint fiscard and fingerprint financial system - Google Patents
Fingerprint fiscard and fingerprint financial system Download PDFInfo
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- CN108334926A CN108334926A CN201810331706.4A CN201810331706A CN108334926A CN 108334926 A CN108334926 A CN 108334926A CN 201810331706 A CN201810331706 A CN 201810331706A CN 108334926 A CN108334926 A CN 108334926A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
- G06K19/07745—Mounting details of integrated circuit chips
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
- G06K7/10—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation
- G06K7/10009—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves
- G06K7/10316—Methods or arrangements for sensing record carriers, e.g. for reading patterns by electromagnetic radiation, e.g. optical sensing; by corpuscular radiation sensing by radiation using wavelengths larger than 0.1 mm, e.g. radio-waves or microwaves using at least one antenna particularly designed for interrogating the wireless record carriers
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
- G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
- G06V40/12—Fingerprints or palmprints
- G06V40/13—Sensors therefor
- G06V40/1306—Sensors therefor non-optical, e.g. ultrasonic or capacitive sensing
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Abstract
A kind of fingerprint fiscard of the application offer and fingerprint financial system, including：Fingerprint sensor, safety element, processing component and fingerprint power supply part；Wherein, the processing component is connect with the safety element, the fingerprint power supply part and the fingerprint sensor respectively, and the fingerprint sensor is connect with the fingerprint power supply part；The fingerprint power supply part, for power supply signal to be converted to direct current signal, to power to the processing component and the fingerprint sensor；The fingerprint sensor, for the finger print data of acquisition to be sent to the processing component；The processing component for carrying out fingerprint authentication according to the finger print data, and controls the working condition of the safety element according to verification result.This programme can effectively improve the safety of fiscard verification by finger print identifying, ensure the safety of fiscard.
Description
Technical Field
The application relates to the field of financial cards, in particular to a fingerprint financial card and a fingerprint financial system.
Background
Current financial cards are broadly divided into three categories: one is a bank savings card, i.e., a debit card that deposits money in advance, handled by a bank, which is the most common financial card. The second type is a bank credit card, i.e. a credit card transacted by a bank and having a debit relationship with the bank, which is a popular financial card at present, and is issued by the bank for approval and credit. The third type is the consumption card approved by the banking association, namely the consumption card transacted in the fixed business district merchant physical store and the online transaction through the non-financial payment mechanism is transacted through the mechanism with the consumption card transaction right.
In order to ensure the safety of the use of the financial card, the identity of the user of the financial card is generally verified by an authentication means such as issuing a U-shield and inputting a password. However, not only will the cost increase, but also with the continuous development of internet and computer technology, the risk of information leakage increases, so that the security of the financial card cannot be ensured by these verification schemes at present.
Disclosure of Invention
The application provides a fingerprint financial card and a fingerprint financial system, which are used for improving the safety of the financial card.
A first aspect of the present application provides a fingerprint financial card comprising: a fingerprint sensor, a security element, a processing component, and a fingerprint power supply component; wherein,
the processing part is respectively connected with the safety element, the fingerprint power supply part and the fingerprint sensor, and the fingerprint sensor is connected with the fingerprint power supply part;
the fingerprint power supply part is used for converting a power supply signal into a direct current signal so as to supply power to the processing part and the fingerprint sensor; the fingerprint sensor is used for sending the collected fingerprint data to the processing component; and the processing component is used for carrying out fingerprint verification according to the fingerprint data and controlling the working state of the safety element according to a verification result.
Preferably, the fingerprint power supply part includes: the rectifier unit and the voltage stabilizing unit;
the rectification unit is connected with the voltage stabilizing unit, and the voltage stabilizing unit is connected with the fingerprint sensor and the processing component;
the rectifying unit is used for rectifying the received power supply signal into a direct current signal and outputting the direct current signal to the voltage stabilizing unit; and the voltage stabilizing unit is used for outputting the received direct current signal to the fingerprint sensor and the processing component after voltage stabilizing processing is carried out on the received direct current signal so as to supply power to the fingerprint sensor and the processing component.
Preferably, the fingerprint financial card further comprises: an NFC antenna;
the NFC antenna is respectively connected with the secure element and the fingerprint power supply component;
and the NFC antenna is used for carrying out non-contact communication with a card reader and generating a power supply signal under the excitation of the card reader and transmitting the power supply signal to the safety element and the fingerprint power supply component.
Preferably, the fingerprint financial card further comprises: a contact element;
the contact element is respectively connected with the safety element and the fingerprint power supply part;
the contact element is used for carrying out contact communication with a card reader and transmitting a power supply signal received from the card reader to the safety element and the fingerprint power supply component.
Preferably, the fingerprint financial card further comprises:
and the first capacitor is connected between the rectifying unit and the voltage stabilizing unit.
Preferably, the fingerprint financial card further comprises:
a second capacitor connected between the fingerprint power supply part and the fingerprint sensor, and between the fingerprint power supply part and the processing part.
Preferably, the voltage stabilizing unit is a low dropout regulator.
A second aspect of the present application provides a fingerprint finance system, including: a card reader, and a fingerprint financial card as described in any of the preceding.
Preferably, the card reader is provided with a card reading antenna;
the card reading antenna is used for carrying out non-contact communication with the fingerprint financial card.
Preferably, the card reader is provided with a card reading slot;
the card reading slot is used for the insertion of the fingerprint financial card so as to realize contact type communication with the fingerprint financial card.
In the fingerprint financial card and fingerprint financial system that this application provided, the financial card embeds has the fingerprint sensor who is used for gathering user's fingerprint, verifies the processing part that whether the result control security component worked according to the fingerprint to and fingerprint power supply part is processing part, and is used for the fingerprint power supply part for fingerprint sensor and processing part power supply. This application is special to the safety certification field of financial card, provides and can realize the financial card and the financial system that the fingerprint was verified when making the financial card communicate, and this scheme passes through the security that the fingerprint authentication can effectively improve the financial card and verify, guarantees the security of financial card.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and together with the description, serve to explain the principles of the application.
Fig. 1 is a schematic structural diagram of a fingerprint financial card according to an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of a fingerprint financial card according to a second embodiment of the present application;
fig. 3 is a schematic structural diagram of a fingerprint financial card according to a third embodiment of the present application;
fig. 4 is a schematic structural diagram of a fingerprint financial card according to a fourth embodiment of the present application;
fig. 5 is an overall architecture diagram of a fingerprint financial card according to a fifth embodiment of the present application;
fig. 6 is a schematic structural diagram of a fingerprint finance system according to a sixth embodiment of the present application.
Reference numerals:
1-a fingerprint sensor; 2-a security element; 3-a processing component;
4-a fingerprint power supply component; 41-a rectifying unit; 42-a voltage stabilizing unit;
51-an NFC antenna; 52-a contact element; 10-a card reader;
20-fingerprint financial card.
With the above figures, there are shown specific embodiments of the present application, which will be described in more detail below. These drawings and written description are not intended to limit the scope of the inventive concepts in any manner, but rather to illustrate the inventive concepts to those skilled in the art by reference to specific embodiments.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the present application, as detailed in the appended claims. The embodiments in the present application may be implemented individually or in combination without conflict.
Fig. 1 is a schematic structural diagram of a fingerprint financial card according to an embodiment of the present disclosure, and referring to fig. 1, the embodiment provides a fingerprint financial card for implementing security verification of a financial card. This fingerprint financial card includes:
a fingerprint sensor 1, a security element 2, a processing means 3, and a fingerprint power supply means 4; wherein,
the processing part 3 is respectively connected with the safety element 2, the fingerprint power supply part 4 and the fingerprint sensor 1, and the fingerprint sensor 1 is connected with the fingerprint power supply part 4;
a fingerprint power supply section 4 for converting the power supply signal into a direct current signal to supply power to the processing section 3 and the fingerprint sensor 1;
the fingerprint sensor 1 is used for sending the collected fingerprint data to the processing component 3; and the processing part 3 is used for carrying out fingerprint verification according to the fingerprint data and controlling the working state of the safety element 2 according to the verification result.
In practical applications, the processing unit 1 may be implemented in various forms, for example, the processing unit 1 may be an integrated circuit, or the processing unit 1 itself may also be a processing chip, such as a CPU. Specifically, the fingerprint financial card may have a related computer program stored therein in advance, and the processing unit 1 executes the computer program to instruct the fingerprint sensor 1 to collect a fingerprint of the user, perform fingerprint verification according to the fingerprint collected by the fingerprint sensor 1, and control the operating state of the security element 2 according to a result of the fingerprint verification. The storage location of the computer program may be preset, and for example, the computer program may be stored in the storage unit of the fingerprint financial card, or may be stored in the memory of the processing unit 3 itself. Specifically, the processing unit 3 can perform authentication of the user of the financial card through fingerprint authentication by reading and running a pre-stored computer program.
The Secure Element 2 (SE) is usually provided in the form of a chip, and has an encryption/decryption logic circuit in the chip to prevent external malicious analysis attack and protect data security. Due to the characteristics of safety, the safety element can be effectively applied to various fields needing safety verification, such as near field communication payment, financial card payment and the like. Specifically, the sensitive data stored in the secure element cannot be directly operated by the operating system, so that the sensitive data cannot be attacked theoretically, the security of the data can be effectively ensured, and information leakage or information stealing is avoided.
Combining the actual scene for example: when a user uses the fingerprint financial card, the fingerprint financial card may be inserted into a card reader, for example, a card reader of an Automatic Teller Machine (ATM), or may be placed in an area that can be sensed through contactless Communication, for example, Near Field Communication (NFC). Based on contact or contactless communication, the fingerprint power supply section 4 may acquire an initial power supply signal and process the power supply signal to obtain a power supply signal matching the fingerprint sensor and the processing section. Under the drive of a power supply signal provided by the fingerprint power supply part 4, the fingerprint sensor 1 collects fingerprints of a user and sends the collected fingerprints to the processing part 3, the processing part 3 performs fingerprint verification according to the fingerprints collected by the fingerprint sensor 1, and if the fingerprint verification is successful, the safety element 2 is indicated to perform normal communication so as to realize the operation of the user on the fingerprint financial card, such as balance reading, account transferring and the like; conversely, if the fingerprint authentication fails, the processing component 3 instructs the secure element 2 to refuse to communicate in order to secure the fingerprint financial card. It can be understood that the reliability of the authentication of the financial card user can be effectively improved based on the fingerprint authentication, thereby improving the security of the financial card.
In addition, in order to facilitate the implementation of the financial card based on fingerprint authentication, it is preferable that the fingerprint financial card further includes some components for implementing user interaction, such as keys, indicator lights, and a display screen. In practical application, the key may be used as an input component for a user to input, the key may be connected to the secure element 2 and/or the processing component 3 to send an instruction to the secure element or the processing component, and in addition, the fingerprint sensor may be integrated with the key, specifically, when the user presses a finger on the key, the fingerprint sensor may collect a fingerprint of the user. The indicator light may be used to prompt the user to perform an operation (for example, prompt the user to place a finger at a certain position for fingerprint collection), or may be used as a warning light (for example, to emit a warning light when fingerprint verification fails), and the like, and specifically, the indicator light may be connected to the processing component 3 and configured to emit light under the control of the processing component 3. Optionally, the indicator Light may be a Light Emitting Diode (LED). In addition, the fingerprint financial card may be provided with a display screen to display information for viewing by the user, and in particular, the display screen may be connected with the processing component 3 and/or the secure element 2 to display relevant data information (e.g., to display a fingerprint verification result).
The fingerprint financial card provided by the embodiment is internally provided with a fingerprint sensor for collecting the fingerprint of a user, a processing component for controlling whether a safety element works or not according to a fingerprint verification result, and a fingerprint power supply component which is used for supplying power to the fingerprint sensor and the processing component. This application is special to the safety certification field of financial card, provides and can realize the financial card and the financial system that the fingerprint was verified when making the financial card communicate, and this scheme passes through the security that the fingerprint authentication can effectively improve the financial card and verify, guarantees the security of financial card.
In order to realize power supply to the processing unit 3 and the fingerprint sensor 1, fig. 2 is a schematic structural diagram of a fingerprint financial card provided in the second embodiment of the present application, and referring to fig. 2, on the basis of any embodiment, the fingerprint power supply unit 4 may include: a rectifying unit 41 and a voltage stabilizing unit 42;
the rectifying unit 41 is connected with the voltage stabilizing unit 42, and the voltage stabilizing unit 41 is connected with the fingerprint sensor 1 and the processing component 3;
a rectifying unit 41, configured to rectify the received power supply signal into a direct current signal, and output the direct current signal to a voltage stabilizing unit 42; and the voltage stabilizing unit 42 is used for performing voltage stabilizing processing on the received direct current signal and outputting the direct current signal to the fingerprint sensor 1 and the processing part 3 so as to supply power to the fingerprint sensor 1 and the processing part 3.
Specifically, based on the usage scenario of the fingerprint financial card, for example, in the non-contact communication scenario, the initial power supply signal acquired by the fingerprint power supply part 4 is usually an alternating current signal. In order to match the fingerprint sensor 1 and the processing unit 3, the rectifying unit 41 of the fingerprint power supply unit 4 first rectifies the initial power supply signal to obtain a dc signal, and then the dc signal is subjected to voltage stabilization processing by the voltage stabilizing unit 42 to become a power supply signal for supplying power to the fingerprint sensor 1 and the processing unit 3.
Alternatively, the voltage stabilizing unit 42 may be a Low Dropout Regulator (LDO). LDO has the noise low, and quiescent current is little characteristics, and its self low power dissipation can be applicable to the financial card better.
Furthermore, preferably, in order to further optimize the power supply to the fingerprint sensor and the processing component to ensure the accuracy of the fingerprint verification, the fingerprint power supply component 4 may further comprise a filtering unit connected between the voltage stabilizing unit 42 and the fingerprint sensor 1 and/or the processing component 3, said filtering unit being configured to perform a filtering process.
The fingerprint financial card that this embodiment provided carries out rectification and steady voltage processing through the power supply signal to the initial, obtains the power supply signal who matches fingerprint sensor and processing unit to realize for its power supply, thereby realize fingerprint financial card based on fingerprint verification, improve the security that the financial card was verified.
In practical application, the fingerprint financial card can be communicated in various ways. As an implementable way, the fingerprint financial card may support contactless communication, such as NFC communication. Correspondingly, fig. 3 is a schematic structural diagram of a fingerprint financial card provided in a third embodiment of the present application, and referring to fig. 3, on the basis of any embodiment, the fingerprint financial card may further include: an NFC antenna 51;
the NFC antenna 51 is connected to the secure element 2 and the fingerprint power supply section 4, respectively;
and the NFC antenna 51 is used for carrying out non-contact communication with the card reader and generating a power supply signal under the excitation of the card reader to be transmitted to the security element 2 and the fingerprint power supply part 4.
Near field communication, also called short-range wireless communication, is a short-range high-frequency wireless communication technology, which allows contactless point-to-point data transmission and data exchange between electronic devices. The near field communication service combines the near field communication technology and the mobile communication technology, and realizes multiple functions of electronic payment, identity authentication, ticketing, data exchange, anti-counterfeiting, advertisement and the like. Near field communication technology is a wireless communication technology mainly used for secure communication within a short distance, for example, 10 centimeters (cm), and its radio frequency is typically 13.56 MHz.
The data exchange modes of near field communication are mainly divided into two modes, namely an active mode and a passive mode. In the passive mode, the device that initiates the near field communication, also called the initiating device (master device), e.g. a card reader, provides a radio frequency field (RF-field) throughout the communication. Another device, called the target device (slave), e.g. a fingerprint financial card, does not generate a radio frequency field but uses load modulation techniques to transmit data back to the initiating device. In the active mode, both the initiator and target devices generate their own rf fields for communication. The present embodiment mainly applies the passive mode.
In practical applications, the card reader provides a radio frequency field (e.g., an alternating magnetic field) with a certain frequency in a certain area range, and when the fingerprint financial card enters the area range, the fingerprint financial card can realize contactless communication based on the radio frequency field with the certain frequency through the NFC antenna 51. Meanwhile, in the process of realizing the non-contact communication, the fingerprint verification is carried out together, that is, the scheme supplies power to the fingerprint sensor 1 and the processing component 3 while carrying out the non-contact communication.
It can be understood that in the non-contact communication process of the fingerprint financial card, various data need to be transmitted, that is, the communication signal needs to carry the data, so the radio frequency field emitted by the card reader is usually a discontinuous signal, for example, some bytes transmitted are 0, and the card reader does not generate a magnetic field in the period corresponding to the byte. Accordingly, the electrical signals generated upon such communication signal excitation are also discontinuous and therefore often unavailable for power supply. However, in combination with the application scenario of the fingerprint financial card, when the user uses the fingerprint financial card in a non-contact communication manner, power needs to be supplied to the fingerprint sensor and the processing component during the communication process to realize fingerprint verification.
In contrast, in one embodiment of the present invention, the problem of power supply due to a discontinuous communication signal is solved by providing a capacitor having a charge/discharge function, so that stable power supply to the fingerprint sensor and the processing unit can be realized also in the process of performing non-contact communication. Optionally, in an embodiment, the fingerprint financial card further includes: a first capacitor connected between the rectifying unit 41 and the voltage stabilizing unit 42.
In the embodiment, the power supply for the fingerprint sensor and the processing component of the fingerprint financial card is realized by utilizing the signal which is sent by the card reader and is used for realizing the non-contact communication. Specifically, in the present embodiment, a capacitor having a charge/discharge function is connected between the rectifying unit 41 and the voltage stabilizing unit 42. For a signal carrying transmission data, an electrical signal generated by excitation of the signal also carries the transmission data, and there may be a case where a certain byte of the transmission data is 0, and the electrical signal is disconnected, so that continuous power supply cannot be realized.
In contrast, in the present embodiment, under the excitation of the radio frequency field signal, an electrical signal, that is, an initial power supply signal is generated in the NFC antenna, and when the power supply signal exists, the initial power supply signal is subjected to rectification processing by the rectification unit 41 and voltage stabilization processing by the voltage stabilization unit 42 to supply power to the fingerprint sensor 1 and the processing unit 3, and simultaneously can also charge the capacitor; when the power supply signal is switched off, the charged capacitor starts to discharge, thereby compensating for the discontinuous power supply signal and achieving stable power supply to the fingerprint sensor 1 and the processing part 3.
Optionally, in another embodiment, the fingerprint financial card further includes: a second capacitor connected between the fingerprint power supply means 4 and the fingerprint sensor 1, and between the fingerprint power supply means 4 and the processing means 3.
Similarly, in the embodiment, the power supply to the fingerprint sensor and the processing component of the fingerprint financial card is realized by using the signal which is sent by the card reader and is used for realizing the non-contact communication. Specifically, in the present embodiment, capacitors having charge and discharge functions are connected between the fingerprint power supply member 4 and the fingerprint sensor 1, and between the fingerprint power supply member 4 and the processing member 3. When a power supply signal exists, the initial power supply signal is subjected to rectification processing of the rectification unit 41 of the fingerprint power supply part 4 and voltage stabilization processing of the voltage stabilization unit 42, so that power is supplied to the fingerprint sensor 1 and the processing part 3, and meanwhile, a capacitor can be charged; when the power supply signal is switched off, the charged capacitor starts to discharge, thereby compensating for the discontinuous power supply signal and achieving stable power supply to the fingerprint sensor 1 and the processing part 3.
Specifically, the power is supplied to the fingerprint sensor 1 and the processing component 3 based on a power supply signal generated by the NFC antenna 51 under the excitation of a radio frequency field provided by the card reader, and a battery specially used for power supply does not need to be arranged in the fingerprint financial card, so that the cost can be effectively saved, and the structure can be simplified.
The fingerprint financial card that this embodiment provided can make fingerprint verification be applicable to the financial card that supports non-contact communication well, carries out non-contact communication's in-process, guarantees to carry out stable power supply for fingerprint sensor and processing part to realize fingerprint financial card based on fingerprint verification. The embodiments in the present embodiment may be implemented individually or in combination.
In practical applications, as another practicable mode, the fingerprint financial card can also support contact communication. Correspondingly, fig. 4 is a schematic structural diagram of a fingerprint financial card provided in a fourth embodiment of the present application, and referring to fig. 4, on the basis of any embodiment, the fingerprint financial card further includes: the contact elements 52;
the contact element 52 is connected to the security element 2 and the fingerprint power supply means 4, respectively;
a contact element 52 for contact communication with a reader and for transmitting a power supply signal received from the reader to the security element 2 and the fingerprint power supply part 4.
In practice, the contact element 52 may be a contact point provided on a fingerprint financial card. The contact communication refers to data reading and writing through contact of a contact of the card reader and a contact of the fingerprint financial card. When the fingerprint financial card is used, the integrated circuit of the fingerprint financial card is in direct contact connection with the card reader through the tangible electrode contacts, and data exchange is carried out. In addition, based on the contact point contact, the received electric signal can be transmitted to the fingerprint power supply part 4 as an initial power supply signal, and the fingerprint power supply part 4 processes the signal to obtain a power supply signal which can be used for supplying power to the fingerprint sensor 1 and the processing part 3.
The fingerprint financial card that this embodiment provided can make fingerprint verification be applicable to the financial card that supports contact communication well, carries out contact communication's in-process, guarantees to carry out stable power supply for fingerprint sensor and processing part to realize fingerprint financial card based on fingerprint verification. It should be noted that the present embodiment can be implemented in combination with the foregoing embodiments, for example, the fingerprint financial card supports both contactless communication and contact communication.
For better understanding of the present solution, fig. 5 is an overall architecture diagram of a fingerprint financial card according to a fifth embodiment of the present application, as shown in fig. 5, this embodiment is exemplarily described in combination with a fingerprint financial card supporting non-contact communication, a Reader antenna in the diagram is an antenna of a card Reader, and the Reader antenna emits a radio frequency field with a certain frequency in a certain area range.
When the fingerprint financial card enters the area range, the NFC antenna of the fingerprint financial card is excited by a radio frequency field to carry out card reader and fingerprint financial card, mainly realizes non-contact communication between the card reader and a Security Element (SE) through the NFC antenna, and a bidirectional arrow in the figure indicates that the non-contact communication is bidirectional communication. In the communication process, the NFC antenna of the fingerprint financial card generates an electric signal under the excitation of a radio frequency field, the electric signal can be directly used for supplying power to the safety element, and in addition, the electric signal can also be used as an initial power supply signal to supply power to the processing part and the fingerprint sensor through rectification and voltage stabilization processing of the LDO.
The fingerprint sensor who is supplied with power gathers user's fingerprint, and processing unit carries out fingerprint verification according to the fingerprint of gathering, if verify successfully, instructs SE to carry out normal communication, otherwise, instructs SE not to communicate to realize fingerprint financial card based on fingerprint verification, improve financial card's security.
Based on the fingerprint financial card, fig. 6 is a schematic structural diagram of a fingerprint financial system provided in a sixth embodiment of the present application, and referring to fig. 6, the present embodiment provides a fingerprint financial system for implementing a financial system based on fingerprint verification. The fingerprint finance system includes: a card reader 10, and a fingerprint financial card 20 as described in any of the previous embodiments.
In practical applications, the card reader 10 may be a card reader specially and separately installed, for example, a card reading device connected to a computer when a bank counter transacts business; alternatively, the card reader 10 may be integrated into other financial devices, for example, an ATM.
Combining the actual scene for example: when the user uses the fingerprint financial card, the fingerprint financial card can be inserted into the card reader, or the fingerprint financial card can be placed in an area which can be sensed by the card reader through non-contact Communication, such as Near Field Communication (NFC).
According to the scheme, in a contact type communication scene, the contact of the card reader is in contact with the contact of the fingerprint financial card to realize electric connection, so that electric signals are transmitted, for example, communication signals carrying transmission data or initial power supply signals for power supply.
Accordingly, in this embodiment, the card reader 10 is provided with a card reading slot;
the card reading slot is used for the insertion of the fingerprint financial card 20 so as to realize contact type communication with the fingerprint financial card 20.
Specifically, a conductive contact is arranged at a preset position in the card reading slot, and the position corresponds to the position of the contact of the fingerprint financial card 20 when the fingerprint financial card 20 is inserted into the card reading slot, so that when the fingerprint financial card 20 is inserted into the card reading slot, the contact in the card reading slot (i.e. the contact of the card reader 10) is in contact with the contact of the fingerprint financial card 20.
This embodiment can make fingerprint verification be applicable to the financial card that supports contact communication well, carries out contact communication's in-process, guarantees to carry out stable power supply for fingerprint sensor and processing part to realize fingerprint financial card based on fingerprint verification.
In addition, by combining the scheme, in a non-contact communication scene, the card reader can send a radio frequency field with a certain frequency in a certain area range, when the fingerprint financial card enters the area range, the NFC antenna of the fingerprint financial card generates an electric signal under the excitation of the radio frequency field, and the electric signal can be used for transmitting data to realize communication and can also be used as an initial power supply signal.
Accordingly, in this embodiment, the card reader 10 is provided with a card reading antenna;
the card reading antenna is used for carrying out non-contact communication with the fingerprint financial card 20.
Specifically, the card reader 10 sends out a radio frequency field capable of exciting the NFC antenna of the fingerprint financial card to generate an electrical signal through the card reading antenna.
This embodiment can make fingerprint verification be applicable to the financial card that supports non-contact communication well, carries out the in-process of non-contact communication, guarantees to carry out stable power supply for fingerprint sensor and processing part to realize fingerprint financial card based on fingerprint verification.
It will be appreciated that the different communication means described above may be implemented separately or in combination, for example, the card reader and the fingerprint financial card may support both contact and contactless communication.
Specifically, based on contact or contactless communication, the fingerprint power supply section may acquire an initial power supply signal and process the power supply signal to obtain a power supply signal matching the fingerprint sensor and the processing section. Under the drive of a power supply signal provided by the fingerprint power supply component, the fingerprint sensor collects fingerprints of a user and sends the collected fingerprints to the processing component, the processing component carries out fingerprint verification according to the fingerprints collected by the fingerprint sensor, and if the fingerprint verification is successful, the processing component indicates the security element to carry out normal communication (contact communication or non-contact communication) so as to realize the operation of the user on the fingerprint financial card, such as balance reading, account transferring and the like; conversely, if the fingerprint authentication fails, the processing component instructs the secure element to deny communication to secure the fingerprint financial card. It can be understood that the reliability of the authentication of the financial card user can be effectively improved based on the fingerprint authentication, thereby improving the security of the financial card.
In the fingerprint financial system provided by the embodiment, a fingerprint sensor for collecting the fingerprint of the user is arranged in the fingerprint financial card, a processing component for controlling whether the safety element works or not according to the fingerprint verification result, and a fingerprint power supply component for supplying power to the processing component and the fingerprint sensor and the processing component are arranged in the fingerprint financial card. This application is special to the safety certification field of financial card, provides and can realize the financial card and the financial system that the fingerprint was verified when making the financial card communicate, and this scheme passes through the security that the fingerprint authentication can effectively improve the financial card and verify, guarantees the security of financial card.
Finally, it should be noted that: the above embodiments are only used for illustrating the technical solutions of the present application, and not for limiting the same; although the present application has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; and the modifications or the substitutions do not make the essence of the corresponding technical solutions depart from the scope of the technical solutions of the embodiments of the present application.
Claims (10)
1. A fingerprint financial card, comprising: a fingerprint sensor, a security element, a processing component, and a fingerprint power supply component; wherein,
the processing part is respectively connected with the safety element, the fingerprint power supply part and the fingerprint sensor, and the fingerprint sensor is connected with the fingerprint power supply part;
the fingerprint power supply part is used for converting a power supply signal into a direct current signal so as to supply power to the processing part and the fingerprint sensor; the fingerprint sensor is used for sending the collected fingerprint data to the processing component; and the processing component is used for carrying out fingerprint verification according to the fingerprint data and controlling the working state of the safety element according to a verification result.
2. The fingerprint financial card according to claim 1, wherein the fingerprint power supplying part includes: the rectifier unit and the voltage stabilizing unit;
the rectification unit is connected with the voltage stabilizing unit, and the voltage stabilizing unit is connected with the fingerprint sensor and the processing component;
the rectifying unit is used for rectifying the received power supply signal into a direct current signal and outputting the direct current signal to the voltage stabilizing unit; and the voltage stabilizing unit is used for outputting the received direct current signal to the fingerprint sensor and the processing component after voltage stabilizing processing is carried out on the received direct current signal so as to supply power to the fingerprint sensor and the processing component.
3. The fingerprint financial card of claim 2, further comprising: an NFC antenna;
the NFC antenna is respectively connected with the secure element and the fingerprint power supply component;
and the NFC antenna is used for carrying out non-contact communication with a card reader and generating a power supply signal under the excitation of the card reader and transmitting the power supply signal to the safety element and the fingerprint power supply component.
4. The fingerprint financial card of claim 2, further comprising: a contact element;
the contact element is respectively connected with the safety element and the fingerprint power supply part;
the contact element is used for carrying out contact communication with a card reader and transmitting a power supply signal received from the card reader to the safety element and the fingerprint power supply component.
5. The fingerprint financial card of claim 3, further comprising:
and the first capacitor is connected between the rectifying unit and the voltage stabilizing unit.
6. The fingerprint financial card of claim 3, further comprising:
a second capacitor connected between the fingerprint power supply part and the fingerprint sensor, and between the fingerprint power supply part and the processing part.
7. The fingerprint financial card according to any one of claims 1-6, wherein the voltage regulator unit is a low dropout linear regulator.
8. A fingerprint financial system, comprising: a card reader, and a fingerprint financial card as claimed in any one of claims 1 to 9.
9. The fingerprint financial system of claim 8, wherein the card reader is provided with a card reading antenna;
the card reading antenna is used for carrying out non-contact communication with the fingerprint financial card.
10. The fingerprint financial system of claim 8 or 9, wherein the card reader is provided with a card reading slot;
the card reading slot is used for the insertion of the fingerprint financial card so as to realize contact type communication with the fingerprint financial card.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810331706.4A CN108334926A (en) | 2018-04-13 | 2018-04-13 | Fingerprint fiscard and fingerprint financial system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810331706.4A CN108334926A (en) | 2018-04-13 | 2018-04-13 | Fingerprint fiscard and fingerprint financial system |
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| CN108334926A true CN108334926A (en) | 2018-07-27 |
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Application publication date: 20180727 |