Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card

A smart card and multi-functional technology, applied in the field of remote payment, can solve the problems of difficult wide-scale promotion and use, poor versatility, etc., and achieve the effect of reducing transaction risks, convenient connection and high security

Inactive Publication Date: 2013-10-23
SHENZHEN EXCELSECU DATA TECH
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Problems solved by technology

[0003] In order to save costs, the prior art also proposes a multi-function IC card, which can realize the security authentication function of USBKEY through the smart chip of the IC card, but the existing multi-function IC card still needs to use a dedicated card reader to communicate with the payment terminal. Connection and communication, poor versatility, difficult to promote and use on a large scale

Method used

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  • Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card
  • Multifunctional intelligent card and identity authentication method and operation method of multifunctional intelligent card

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Embodiment Construction

[0043] The technical solutions of the present invention will be further described below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0044] refer to figure 1 and figure 2 , figure 1 It is a structural schematic diagram of a preferred embodiment of the multifunctional smart card of the present invention, figure 2 It is a schematic diagram of the connection between the USB module of the microprocessor in the multifunctional smart card of the present invention and the ISO7816 interface.

[0045] This embodiment proposes a multifunctional smart card, including a microprocessor 10, a communication unit 20 connected to the microprocessor 10, and a security processor 30. Keys and digital certificates are stored in the security processor 30, and the communication unit 20 includes The bluetooth commun...

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Abstract

The invention relates to a multifunctional intelligent card and an identification method and an operation method of the multifunctional intelligent card. The multifunctional intelligent card is connected with a client through a Bluetooth interface when internet banking transaction is carried out; since Bluetooth communication is in a one-to-one communication mode, the safety is high, and incorrect transmission of data cannot be caused, and the transaction risk is reduced; the connection is in a wireless mode, the connection is convenient, and thus the application of the multifunctional intelligent card is wider; and since a safety processor at the inner part of the multifunctional intelligent card is utilized by the multifunctional intelligent card for storing a secret key and a digital certificate, the multifunctional intelligent card not only can be used as a common card for paying at a payment terminal, but also can be used as a USBKEY for online paying, the function is diversified, and the cost is saved.

Description

technical field [0001] The invention relates to the technical field of remote payment, in particular to a multifunctional smart card and its identity authentication method and operation method. Background technique [0002] With the development of Internet technology and e-commerce, users are increasingly inclined to use convenient and fast self-service methods such as online banking to manage funds. Because there are certain risks in online banking, USBKEY is generally used in the prior art to implement security authentication, which is similar to a USB flash drive and is only used for identity authentication in online banking with a single function. [0003] In order to save costs, the prior art also proposes a multi-function IC card, which can realize the security authentication function of USBKEY through the smart chip of the IC card, but the existing multi-function IC card still needs to use a dedicated card reader to communicate with the payment terminal. Connection a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L9/32H04B5/00G06K19/07
CPCY02D30/70
Inventor 陈柳章
Owner SHENZHEN EXCELSECU DATA TECH
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