OTA (over the air) charging system and method for financial IC (integrated circuit) card
An air recharge and financial technology, which is applied in the field of financial IC card air recharge system, can solve the problems that the integrity and confidentiality of transaction data cannot be guaranteed, and the credibility of the client cannot be guaranteed, so as to ensure security and legitimacy, and resist Threat effect
Active Publication Date: 2014-02-05
WUHAN TIANYU INFORMATION IND
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Problems solved by technology
[0004] At present, there are also banks that launch mobile phone air recharge services, using the reader function of NFC (Near Field Communication, short-range wireless communication) mobile phones to realize air recharge for financial IC cards. Due to the characteristics of an open environment, smartphones inevitably exist Various security threats, therefore, on the one hand, the credibility of the client cannot be guaranteed, and on the other hand, the integrity and confidentiality of transaction data cannot be guaranteed
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[0025] The present invention will be described in further detail below in conjunction with the accompanying drawings and embodiments.
[0026] like figure 1 As shown, the financial IC card air recharge system of the present invention includes an application program module 1, a terminal module 2 and a security module 3, and the application program module 1 is connected to an external business system for providing a man-machine interface, displaying recharge transaction information, and having The function of transparently transmitting information; the terminal module 2 completes the transmission of the recharge transaction data of the financial IC card through a contactless channel, and the security module 3 is connected to the terminal module 2 and the application program module 1 respectively, and the security module 3 is responsible for Encrypt and decrypt the recharge message and verify the legitimacy of the application module 1.
[0027] Wherein, the application program m...
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The invention discloses an OTA charging system and method for a financial IC card, and relates to the field of payment with a mobile phone. The system comprises an application program module and a terminal module, wherein the application program module is connected with an external business system and used for providing a human-computer interface and displaying charging transaction information, and has the function of transmitting information; the terminal module finishes transmission of charging transaction data of the financial IC card through a non-contact channel; and the system further comprises a security module which is connected with the terminal module and the application program module respectively, and the security module is responsible for encrypting and decrypting a charging message and authenticating the legality of the application program. According to the system and the method, threat to OTA charging traction of the financial IC card in the unsafe environment can be effectively prevented, security and legality of charging traction are guaranteed, and the OTA charging channel of the financial IC card is opened, so that the requirement of a user for charging the financial IC card anytime and anywhere is met.
Description
technical field [0001] The invention relates to the technical field of mobile phone payment, in particular to a financial IC card recharging system and method in the air. Background technique [0002] With the continuous popularization of IC card electronic cash and electronic wallet consumption scenarios, the recharge channels of financial IC cards have not expanded. Existing recharge methods only have limited methods such as ATM, self-service terminals and counters, which cause great inconvenience to cardholders. [0003] Based on its arbitrary installation of applications, wireless connection and expandable hardware features, smart phones become a suitable carrier terminal for over-the-air recharge services, opening up a channel for financial IC card recharge, and satisfying the needs of users to recharge IC cards anytime, anywhere need. [0004] At present, there are also banks that launch mobile phone air recharge services, using the reader function of NFC (Near Field...
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Login to View More IPC IPC(8): G07F7/12H04W4/24
Inventor 吴俊军董逢华
Owner WUHAN TIANYU INFORMATION IND