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System and method for financial IC (Integrated Circuit) card transaction

A financial and transaction technology, applied in the field of financial IC card transaction system, can solve the problems such as certificates and other data can not be read, increase the cost of use, etc.

Inactive Publication Date: 2011-04-06
HENGBAO
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

At this stage, the cardholder certificate and password are stored in a PCSC device called USB Key, and the certificate and other data in this device cannot be read out by any means
This method means that cardholders need to purchase this equipment, which increases the cost of use for cardholders or banks

Method used

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  • System and method for financial IC (Integrated Circuit) card transaction
  • System and method for financial IC (Integrated Circuit) card transaction
  • System and method for financial IC (Integrated Circuit) card transaction

Examples

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Embodiment Construction

[0028] Now combined with the manual figure 1 Introduce the specific embodiment of the system for financial IC card transactions of the present invention: the system includes a financial IC card 1, a client 2, a financial IC card reader 3 connected to the client 2 and connected with the client 2 Issuer server PC4.

[0029] The client 2 of the present invention is a PC or a mobile phone, and the financial IC card 1 is the security basis for transaction card users, and the financial IC card that meets the EMV specification must first support the relevant technical requirements of the People's Bank of China's financial integrated circuit IC card 2.0 specification , to realize the standard financial debit credit function.

[0030] The client 2 described in the present invention is a client 2 equipped with client middleware, and the client middleware is developed by a financial IC card issuer or developed by a financial IC card developer, and is used to realize different operating ...

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PUM

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Abstract

The invention relates to a system and a method for financial IC (Integrated Circuit) card transaction. The system comprises a financial IC card, a client side, a financial IC card reader connected to the client side and a card issuer server side PC (Personal Computer) which is connected with the client side. The system and the method can safely and effectively realize the financial transactions initiated by a financial IC card user.

Description

technical field [0001] The invention relates to a bank transaction system, in particular to a system and method for financial IC card transactions. Background technique [0002] At present, all domestic banks have implemented online banking services to facilitate their customers to conduct personal business or company business. There are generally two ways to log in to online banking. One is for cardholders to log in by entering their credit card or debit card number + password, and the other is for cardholders to log in with PFX certificate + private key password. The latter method is recognized as a more secure way to log in. At this stage, the cardholder certificate and password are stored in a PCSC device called USB Key, and the certificate and other data in this device cannot be read out by any means. This method means that the cardholder needs to purchase this device, which increases the cost of use for the cardholder or the bank. [0003] Now that the migration of ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L29/06G07F19/00
Inventor 赵再兴祝景国
Owner HENGBAO
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