Chip card EMV data preparation system, rapid development method and computer readable storage medium

Abstract

The present invention provides a chip card EMV data preparation system, a rapid development method and a computer-readable storage medium. The chip card EMV data preparation system includes a cardholder information data configuration module, a key information configuration module, an application template configuration module, a card template configuration module, and a chip card making data generation module. The above modules are configured according to different card issuance requirements, and the chip card making data generation module generates chip card making data that meets the EMV standard. The present invention also provides a method for rapid development of a chip card EMV data preparation system. Based on the above chip card EMV data preparation system, a card issuing institution only needs to configure each module of the system according to its own card issuance requirements to realize the rapid development of the chip card EMV data preparation system. The computer-readable storage medium stores a computer program, and the rapid development of the above chip card EMV data preparation system is realized when the computer program is executed.

Description

Technical Field

[0001] The present invention relates to the field of financial chip card manufacturing, and in particular to a chip card EMV data preparation system, a rapid development method and a computer-readable storage medium. Background Art

[0002] In the past, magnetic stripe cards were often used as payment cards for transactions. The cardholder's account data was encoded in plain text on the magnetic stripe of the magnetic stripe card. The magnetic stripe information could be easily extracted and copied to another magnetic stripe card for fraudulent transactions.

[0003] Nowadays, magnetic stripe cards are gradually replaced by chip cards, which are also called smart cards, IC cards, etc. Chip cards have built-in integrated circuit chips, which can be bidirectionally authenticated with chip card readers during face-to-face transactions to prevent card data from being copied. At present, financial chip cards widely adopt the EMV standard. EMV is a standard set by the international financial industry for smart payment cards and POS terminals and automatic teller machines (ATMs) that can use chip cards. It is issued by EMVCo. The application of this standard effectively avoids the fraud risks brought by magnetic stripe cards and improves the security of transactions. At present, card organizations such as VISA, MasterCard, American Express, and China UnionPay have issued chip cards that meet the EMV standard. The PBOC standard widely used in China is also compatible with the EMV standard. The PBOC standard has a localized design of the application layer based on the EMV standard, but is fully compatible with the EMV standard in the contact specification layer and the contactless specification layer.

[0004] The data preparation system is an indispensable part of the work of the card issuer in issuing chip cards that comply with the EMV standard. It parses and organizes the original card-making data provided by the card issuer, and outputs chip card-making data that complies with the EMV standard for subsequent personalization operations.

[0005] At present, each card issuing institution issues financial chip cards that meet the EMV standard. The chip card data preparation systems used are all developed separately and have low reusability. For example, the Chinese invention patent application with announcement number CN102693455A discloses a fully automated system and method for data preparation based on financial IC cards. The application template configured is customized development, and the values ​​of each IC data need to be formulated according to the application requirements of the card. When the card issuance requirements change, it needs to be customized and developed again, and the generation of chip card production data is slow.

[0006] In addition, the development of chip card EMV data preparation system requires developers to understand EMV-related specifications and the specifications of each card organization, and have certain software development capabilities, but the talent pool of card issuers often lacks such technical personnel, resulting in errors in the format, data encryption and decryption, and data signature of IC-related public key certificates in the generated IC data. Some card issuers even need to spend more than half a month to deal with a problem, which prolongs the time for data coordination with card merchants and card launch, resulting in too long system development time. Due to the different EMV data preparation systems customized by various card issuers, the output chip card production data is seriously differentiated. Card issuers need to customize and develop programs to parse the chip card production data of various card issuers, which undoubtedly increases a lot of costs. Summary of the invention

[0007] A first object of the present invention is to provide a chip card EMV data preparation system.

[0008] A second object of the present invention is to provide a method for rapidly developing a chip card EMV data preparation system.

[0009] A third object of the present invention is to provide a computer-readable storage medium.

[0010] In order to achieve the above-mentioned first purpose, the present invention provides a chip card EMV data preparation system, which is connected to a key management system and is used to receive original card-making data and convert the original card-making data into chip card EMV card-making data output, wherein the system includes: a cardholder information data configuration module, which is used to configure the format and position of the original card-making data to be input, and extract and process the original card-making data from the storage space corresponding to the position according to the format to obtain the cardholder information data to be written into the chip card; a key information configuration module, which is used to configure the application key index of the chip card to be written and the ID of the application key in the key management system, and obtain the key data to be written into the chip card from the key management system according to the application key index and the ID of the application key in the key management system; an application template configuration module, which is used to configure the application template category of the card application to be written into the chip card, and select the application template to be written into the chip card according to the configured application template category; a card template configuration module, which is used to configure the card template category of the chip card to be written, the card template category matches the application template of the chip card to be written, and configure the card template according to the matched application template. The chip card making data generation module is connected to the cardholder information data configuration module, the key information configuration module, the application template configuration module, and the card template configuration module, and is used to process the cardholder information data, key data, application template, and card template to generate the chip card making data to be written into the chip card.

[0011] It can be seen from the above scheme that the card issuing institution only needs to configure the cardholder information data configuration module, key information configuration module, application template configuration module and card template configuration module of the chip card EMV data preparation system of the present invention according to its card issuing needs, so as to realize the rapid generation of chip card making data under different card issuing needs, and the knowledge and familiarity of the configuration personnel of EMV related specifications are not required to be high. In addition, the chip card EMV data preparation system can be provided to different card issuing institutions for use, with high reusability, avoiding serious differentiation of chip card making data of various card issuing institutions.

[0012] A further solution is that the original data includes first track data and second track data; the format of the original card making data includes the format of the first track data and the format of the second track data, and the position of the original card making data includes the position of the first track data and the position of the second track data.

[0013] It can be seen that the chip card EMV data preparation system can adapt to the original card making data of various chip cards.

[0014] A further solution is that the original card making data includes the chip verification code ICVV; the location of the original card making data also includes the location of the chip verification code ICVV.

[0015] It can be seen that the chip card EMV data preparation system supports the reading of different original card making data to meet the issuance requirements of different issuing institutions and different chip cards.

[0016] A further solution is that the application template includes a standard template and a custom template.

[0017] It can be seen that the application templates include standard templates and custom templates, making the chip card EMV data preparation system more flexible and able to meet more card issuance needs.

[0018] A further solution is that the key data includes the following data: issuing bank certificate data, chip card certificate data, application subkey, chip card asymmetric key.

[0019] It can be seen that the chip card EMV data preparation system can meet the key data requirements of various chip cards.

[0020] In order to achieve the above-mentioned second purpose, the present invention provides a method for rapid development of a chip card EMV data preparation system based on the above-mentioned chip card EMV data preparation system, which includes: configuring the cardholder information data configuration module: configuring the format and location of the original card making data to be input; configuring the key information configuration module: configuring the application key index to be written into the chip card and the ID of the application key in the key management system; configuring the application template configuration module: configuring the application template category of the card application to be written into the chip card; configuring the card template configuration module: configuring the category of the card template according to the application template category.

[0021] It can be seen from the above scheme that the card issuing institution only needs to configure the cardholder information data configuration module, key information configuration module, application template configuration module and card template configuration module of the chip card EMV data preparation system of the present invention according to its card issuance requirements, so as to realize the rapid development of the EMV data preparation system, and the configuration personnel's knowledge and familiarity with EMV related specifications are not required to be high. In addition, if the card issuance requirements of the card issuing institution change, it only needs to adjust the various modules of the above-mentioned EMV data preparation system to realize the development of the EMV data preparation system, which has high reusability and avoids serious differences in chip card making data of various card issuing institutions.

[0022] A further solution is that when at least one of the cardholder information data configuration module, the key information configuration module, the application template configuration module, and the card template configuration module needs to be upgraded, the configuration file of the EMV data preparation system is upgraded through the installation package.

[0023] It can be seen from this that when the card organization upgrades its specifications, the card issuer only needs to upgrade each configuration module according to the installation package provided by the system supplier, and the update and maintenance costs are low.

[0024] A further solution is that when configuring the key data category to be written into the chip card, if the chip card to be written supports dynamic data authentication, the length of the asymmetric RSA key of the chip card can also be configured when configuring the key information configuration module.

[0025] It can be seen that the rapid development method of the chip card EMV data preparation system can meet more card issuance needs.

[0026] In order to achieve the third objective mentioned above, the present invention provides a computer-readable storage medium, wherein the computer-readable storage medium includes a computer program, and when the computer program is executed, each step of the method for rapid development of a chip card EMV data preparation system is implemented. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 14 is a system block diagram of a chip card EMV data preparation system according to an embodiment of the present invention.

[0028] Figure 2 It is a flow chart of a method for rapidly developing a chip card EMV data preparation system according to an embodiment of the present invention.

[0029] The present invention is further described below in conjunction with the accompanying drawings and embodiments. DETAILED DESCRIPTION

[0030] The chip card EMV data preparation system of the present invention can quickly convert original card making data into chip card making data output that meets the EMV standard and realize the rapid development of the chip card EMV data preparation system under different card issuance requirements through the configuration of the cardholder information data configuration module, the key information configuration module, the application template configuration module, and the card template configuration module.

[0031] Embodiment of chip card EMV data preparation system:

[0032] See also Figure 1 The chip card EMV data preparation system 11 includes a cardholder information data configuration module 1, a key information configuration module 2, an application template configuration module 3, a card template configuration module 4, and a chip card making data generation module 5. The cardholder information data configuration module 1, the key information configuration module 2, the application template configuration module 3, and the card template configuration module 4 are respectively connected to the chip card making data generation module 5, and the chip card EMV data preparation system 11 is connected to the key management system 12.

[0033] The cardholder information data configuration module 1 is used to configure the format and position of the original card making data to be input. The position of the original card making data includes the format of the first track data and the format of the second track data. The position of the original card making data includes the position of the first track data and the position of the second track data. In this embodiment, taking the UnionPay card as an example, the format of the first track data of the general UnionPay card is 79 characters and is encoded into 11 data fields in a certain order and length. The format of the second track data is 40 characters and is encoded into 8 data fields in a certain order and length. The position of the first track data and the position of the second track data are the positions of the data fields in the first track data and the second track data. The original card making data of some card issuing institutions also includes the chip verification code ICVV (Integrated Chip Card Verification Value), then the position of the original card making data also includes the position of the chip verification code ICVV. After configuring the format of the first track data and the format of the second track data, the location of the first track data, the location of the second track data and the location of the chip verification code ICVV, the cardholder information data configuration module 1 automatically extracts and processes the cardholder information data to be written into the chip card from the storage space corresponding to the location according to the format of the original card making data. According to the EMV standard, the cardholder information data at least includes the equivalent data of magnetic stripe 2 (corresponding to TAG 57), bank card number (corresponding to TAG 5A), valid date (corresponding to TAG 5F24), service code (corresponding to TAG 5F30). For different card issuance requirements, the cardholder information data also includes the custom data of magnetic stripe 1 (corresponding to TAG 9F1F), name (corresponding to TAG 5F20), etc. The data group is composed of data elements, and TAG is the label of the data element of the data group, corresponding to the value of each data element.

[0034] The key information configuration module 2 is used to configure the application key index to be written into the chip card and the ID of the application key in the key management system 12, and obtain the key data to be written into the chip card from the key management system 12 according to the application key index and the ID of the application key in the key management system 12. The key data includes the following data: the certificate data of the issuing bank, the certificate data of the chip card, the application subkey, the asymmetric key of the chip card, etc. The application key is the key corresponding to the chip card type. For example, when a UnionPay debit card uses the chip card EMV data preparation system, it is necessary to obtain the certificate data of the issuing bank, the certificate data of the chip card, the application subkey, and the asymmetric key of the chip card from the key management system. By configuring the key index on the key configuration module 2, the key index corresponds to the position of the key data in the key management system. Different IDs at the position of the key data correspond to different key data. Then, by configuring the ID of the required key data in the key management system 12, the key data is obtained from the position of the key data.

[0035] The application template configuration module 3 is used to configure the application template category of the card application to be written into the chip card, and select the application template to be written into the chip card according to the configured application template category. The application template is defined and published by the card organization. The application template defines the reference value of each data element of the chip card. The card issuer can select the application template to be used according to its own business situation. The application template includes a standard template and a custom template. The standard template is a template defined and published by the card organization, and the custom template is a template generated by the card organization in cooperation with the card issuer. The application template configuration module 3 is provided with the standard template of each card organization. The card issuer can also import a custom template and select it when configuring the application template configuration module 3. If the card application to be written into the chip card is a UnionPay debit card, select the UnionPay debit card in the application template configuration module 3, as well as the related options of the UnionPay debit card, such as the cardholder verification method, and then match the final application template. After the application template is determined, the relevant card technical data can be determined, such as the chip data corresponding to the debit card Application Identifier (AID) is A000000333010101 (the corresponding tag is Tag4F).

[0036] The card template configuration module 4 is used to configure the card template to be written into the chip card, the card template matches the application template to be written into the chip card, and configures the card template according to the configured application template. The card template is what the industry calls data grouping, which defines the card structure and the location where data is stored. When the card is personalized, it can be written according to the general personalization method. If it is determined that the application template of the card is a UnionPay debit card, the card template configuration module 4 selects the card template corresponding to the UnionPay debit card.

[0037] The chip card production data generation module 5 is used to receive and process the cardholder information data output by the cardholder information data configuration module 1, the key data output by the key information configuration module 2, the application template selected by the application template configuration module 3, and the card template selected by the card template configuration module 4, and output the chip card production data that complies with the EMV standard.

[0038] The method for realizing rapid development of chip card EMV data preparation system according to the present invention is as follows:

[0039] The card issuing institution configures the information data configuration module 1, the key information configuration module 2, the application template configuration module 3, and the card template configuration module 4 of the EMV data preparation system 11 of this embodiment accordingly according to the card issuing requirements, so as to realize the rapid development of the EMV data preparation system for different chip cards. The specific steps are as follows:

[0040] See also Figure 2Since the formats and data field locations of the original card-making data of different card issuing institutions or different chip cards are different, it is necessary to configure the cardholder information configuration module according to the format and location of the original card-making data to be input, so that the cardholder information configuration module can extract the original card-making data, that is, execute step S1 to configure the cardholder information data configuration module: configure the format and location of the original card-making data to be input.

[0041] Different chip cards have different key data to be written. For example, UnionPay cards generally do not need to write offline PIN encryption keys. At this time, the key information configuration module can be configured according to the actual needs of the chip card to obtain the required key data from the key management system, that is, step S2 is executed to configure the key information configuration module: configure the application key index to be written to the chip card and the ID of the application key in the key management system. If the chip card to be written supports dynamic data authentication, the length of the asymmetric RSA key of the chip card can also be configured when configuring the key information configuration module.

[0042] The application template configuration module has application templates of different card organizations and supports card applications such as VISA and MasterCard. The card issuing institution can also import the application templates customized with the card organization and configure the application template configuration module according to the card issuance requirements, that is, execute step S3 to configure the application template configuration module: configure the application template category of the card application to be written into the chip card.

[0043] After the application template is configured, the EMV data preparation system will match the card template according to the selected application template and configure the card template category, that is, execute step S4 to configure the card template configuration module: configure the card template category according to the application template category.

[0044] After completing the cardholder information data configuration module, key information configuration module, application template configuration module, and card template configuration module, the EMV data preparation system that meets the card issuing institution's card issuance requirements is built. If the card issuing institution changes its card issuance requirements, it only needs to reconfigure the above configuration modules.

[0045] When at least one of the cardholder information data configuration module, key information configuration module, application template configuration module, and card template configuration module needs to be upgraded, such as upgrading UICS2017 to UICS2018, the application template configuration module needs to be upgraded accordingly. At this time, the card issuer can upgrade the configuration file of the EMV data preparation system according to the installation package provided by the system supplier.

[0046] The computer readable storage medium embodiments of the present invention are as follows:

[0047] When the chip card EMV data preparation system is sold or used as an independent product in the form of software, it can be stored in a computer-readable storage medium. Based on this understanding, the chip card EMV data preparation system of the above embodiment of the present invention and all or part of the processes of the method for realizing the rapid development of the chip card EMV data preparation system of the above embodiment can be realized by a computer program, which can be stored in a computer-readable storage medium. When the computer program is executed by a processor, it can realize the various steps of the above method for realizing the rapid development of the chip card EMV data preparation system.

[0048] Among them, the computer program includes computer program code, which can be in source code form, object code form, executable file or some intermediate form, etc. Computer readable media may include: any entity or device capable of carrying computer program code, recording medium, USB flash drive, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM), random access memory (RAM), electric carrier signal, telecommunication signal and software distribution medium, etc. It should be noted that the content contained in the computer readable medium can be appropriately increased or decreased according to the requirements of legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to legislation and patent practice, computer readable media do not include telecommunication signals of electric carrier signals.

[0049] From the above, it can be seen that the chip card EMV data preparation system of the present invention can quickly generate chip card making data according to different card issuance requirements. At the same time, for different card issuing institutions, the card issuing institutions only need to configure the cardholder information data configuration module, key information configuration module, application template configuration module, and card template configuration module of the chip card EMV card making data system of the present invention to achieve rapid development of the EMV chip card data preparation system, which has the characteristics of high reusability, convenient upgrading and maintenance, and low requirements on the chip knowledge familiarity of the configuration personnel.

Claims

1. A chip card EMV data preparation system, connected to a key management system, for receiving original card making data and converting the original card making data into chip card EMV card making data output, characterized in that: The system includes: A cardholder information data configuration module, used to configure the format and location of the original card making data to be input, extract and process the original card making data from the storage space corresponding to the location according to the format to obtain the cardholder information data to be written into the chip card; a key information configuration module, used to configure the application key index to be written into the chip card and the ID of the application key in the key management system, and to obtain the key data to be written into the chip card from the key management system according to the application key index and the ID of the application key in the key management system; An application template configuration module, used to configure the application template category of the card application to be written into the chip card, and select the application template to be written into the chip card according to the configured application template category; A card template configuration module, used to configure the card template category of the chip card to be written, the card template category matches the application template of the chip card to be written, and configure the card template according to the matched application template; The chip card making data generation module is connected to the cardholder information data configuration module, the key information configuration module, the application template configuration module, and the card template configuration module, and is used to receive and process the cardholder information data, the key data, the application template, and the card template to generate the chip card making data to be written into the chip card.

2. The EMV data preparation system according to claim 1, characterized in that: The original card making data includes first track data and second track data; The format of the original card making data includes the format of the first track data and the format of the second track data, and the position of the original card making data includes the position of the first track data and the position of the second track data.

3. The EMV data preparation system according to claim 2, characterized in that: The original card making data includes a chip verification code ICVV; The location of the original card making data also includes the location of the chip verification code ICVV.

4. The chip card EMV data preparation system according to claim 3, characterized in that: The application templates include standard templates and custom templates.

5. The EMV data preparation system according to claim 4, characterized in that: The key data includes the following data: issuing bank certificate data, chip card certificate data, application subkey, chip card asymmetric key.

6. A method for rapidly developing a chip card EMV data preparation system based on the chip card EMV data preparation system according to any one of claims 1 to 5, characterized in that: include: Configure the cardholder information data configuration module: configure the format and location of the original card making data to be input; Configure the key information configuration module: configure the application key index to be written into the chip card and the ID of the application key in the key management system; Configuring the application template configuration module: configuring the application template category of the card application to be written into the chip card; The card template configuration module is configured: the category of the card template is configured according to the category of the application template.

7. The method for realizing rapid development of chip card EMV data preparation system according to claim 6, characterized in that: When at least one of the cardholder information data configuration module, the key information configuration module, the application template configuration module, and the card template configuration module needs to be upgraded, the configuration file of the EMV data preparation system is upgraded through an installation package.

8. The method for realizing rapid development of chip card EMV data preparation system according to claim 7, characterized in that: When configuring the key data category to be written into the chip card to be written, if the chip card to be written supports dynamic data authentication, the length of the chip card asymmetric RSA key may also be configured when configuring the key information configuration module.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a computer program, and when the computer program is executed, the steps of the method for realizing rapid development of chip card EMV data preparation system according to any one of claims 6 to 8 are implemented.

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