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Intelligent card with financial-transaction message processing ability and its method

A technology for message processing and financial transactions, applied in the field of smart cards, can solve problems such as restricting the scope of use of financial cards, and achieve the effects of facilitating financial transaction activities, improving security, and expanding the scope of use

Active Publication Date: 2007-01-17
FEITIAN TECHNOLOGIES
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In addition, another disadvantage of this method is that financial cards can only be accepted by financial transaction terminals, which limits the scope of use of financial cards

Method used

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  • Intelligent card with financial-transaction message processing ability and its method
  • Intelligent card with financial-transaction message processing ability and its method
  • Intelligent card with financial-transaction message processing ability and its method

Examples

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Embodiment Construction

[0035] Below in conjunction with accompanying drawing and specific embodiment the present invention is described in further detail:

[0036] Such as figure 1 As shown, the current financial smart card is mainly responsible for processing EMV / PBOC standard information. The financial transaction terminal is mainly responsible for processing ISO8583 message information. The two exchange information with service providers through the network.

[0037] Such as figure 2 As shown, the smart card described in the present invention is not only responsible for processing EMV / PBOC standard information, but also responsible for processing ISO8583 message information, so that both the financial transaction terminal and the personal computer can process the financial transaction smart card, expanding its scope of use, and making things convenient for people Various financial applications are carried out on it, and the security of financial transactions is improved.

[0038] Such as i...

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Abstract

The invention comprises a CPU control module, a security control module, an input and output module, a memory module, a standard information processor of financial card and an ISO8583 message process module. Wherein, the CPU control module is separately connected to and controls the security control module, input and output module, memory module, standard information processor and ISO8583 message process module. The working method of the invention comprises the processing of the financial card standard information and the ISO8583 message information.

Description

technical field [0001] The invention relates to a financial electronic transaction system, in particular to a smart card capable of processing financial transaction messages and a method thereof. Background technique [0002] With the continuous development of financial electronics, the application of smart cards is becoming more and more popular. The name of the smart card comes from the English term "Smartcard", also known as an integrated circuit card, that is, an IC card (Integrated Circuit card). It embeds an integrated circuit chip in a plastic substrate and packages it in the form of a card, which is similar in appearance to a magnetic card covered with a magnetic strip. As soon as it appeared, it was widely welcomed for its ultra-small size, advanced integrated circuit chip technology, special security measures, and the characteristics of being unable to decipher and imitate. In some areas where smart cards are used, they simply provide protected non-volatile stora...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): H04L12/02G06F17/00G06Q40/00H04L29/02
CPCG07F7/1008
Inventor 陆舟于华章
Owner FEITIAN TECHNOLOGIES
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