Bluetooth financial card and working method thereof

Abstract

The invention discloses a Bluetooth financial card and a working method thereof, and belongs to the field of information security. The Bluetooth financial card disclosed by the invention comprises a receiving module, an obtaining module, a first execution module, a selection module, a card holder verification module, a second execution module, an online transaction message organization sending module, an authorization response receiving module and a transaction confirmation message organization sending module. According to the technical scheme, the defect of inconvenient operation of existingcontact type financial card and non-contact type financial card in a transaction process is overcome; the working efficiency is improved; and the manufacturing cost is reduced. The Bluetooth financialcard communicates with an upper computer through Bluetooth, so that the transaction operation is more convenient; and when a card holder verification method of a fingerprint verification type is adopted, the transaction is more convenient and securer.

Description

technical field [0001] The invention belongs to the technical field of information security, and in particular relates to a bluetooth financial card and a working method thereof. Background technique [0002] With the rapid development of electronic information technology, electronic transactions are becoming more and more common in daily life. In the prior art, there are two types of financial cards, one is a contact financial card, which communicates with a transaction terminal through a chip contact or a magnetic strip; the other is a non-contact financial card, which communicates with a transaction terminal through an antenna coil. receive communication. In the prior art, in order to improve the security of electronic transactions, cardholder verification is required in the electronic transaction process. Most of the existing cardholder verification methods are offline verification code verification methods or online verification code verification methods. Offline verif...

AI Technical Summary

Problems solved by technology

[0003] Existing financial cards have the following disadvantages in electronic transactions: contact-type financial cards need to contact and communicate with transaction terminals. In the process of electronic transactions, poor contact between financial cards and transaction terminals often occurs so that transactions cannot be carried out. The operation of pulling out the card leads to inconvenient operation and low work efficiency; when the non-contact financial card communicates with the transaction terminal, it must be ensured that the non-contact financial card is within the effective communication range of the transaction terminal, otherwise the transaction cannot be carried out. In order to ensure the normal progress of the transaction, the non-contact financial card must be close to the transaction terminal, which makes the transaction operation inconvenient;

[0004] When verifying the cardholder, the user needs to enter the verification information of the offline verification code or the online verification code on the transaction terminal. There is a risk of verification information leakage, which brings opportunities for illegal theft of verification information.

Moreover, the verification information in the form of offline verification code and online verification code is easy to forget. When the verification information is forgotten, the electronic transaction cannot continue, and the user experience is not good;

[0005] In addition, the transaction terminal and the financial card are separated. In the production process, the manufacturer of the financial card and the manufacturer of the transaction terminal need to coordinate and cooperate, which increases the communication cost; and the financial card and the transaction terminal are two independent devices. The cost of construction is high, resulting in an increase in the cost of equipment for manufacturing electronic transactions

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