Card information communication method, card information sending method and device

Abstract

The invention discloses a card information communication method and device and a card information sending method and device, and relates to the field of financial science and technology. The method comprises the steps that X pieces of card information are obtained from target equipment of a user through a chip in a target card, X is an integer larger than or equal to 1, and each piece of card information represents registration information of an entity card or registration information of a virtual card owned by the user; the card information transmitted between the target equipment and the chip belongs to information in an encrypted state; and sending any one piece of card information in the X pieces of card information to the card reading equipment corresponding to the card information through the chip of the target card. The technical problems that in the prior art, the number of entity cards of a user is too large, entity card management is not changed, and the use cost of card making materials is high are solved.

Description

Technical Field

[0001] The present application relates to the field of financial technology, and more specifically, to a card information communication method, a card information sending method and a device. Background Art

[0002] In the digital age, although physical cards such as bank cards, transportation cards, and access cards facilitate transactions and services in specific scenarios, with the increasing number of cards held by individuals, physical card management has become a challenge. Carrying and using traditional physical cards not only takes up space, but also increases the risk of loss. Especially for business people and travelers, carrying multiple cards with them is not only inconvenient, but may also cause economic losses and personal information leakage due to accidental loss. In addition, the mass production of physical cards consumes a large amount of plastic and other card-making materials, which not only increases the operating costs of financial institutions, but also puts a burden on the environment.

[0003] Faced with the current situation of the surge in the number of physical cards and the inconvenience of management, the existing technology attempts to digitize the physical card information through NFC (Near Field Communication) and store it in smart devices to realize the virtual card function. However, this approach does not completely solve the problem of physical card management, and has limitations in terms of security, ease of use and compatibility with application scenarios. For example, some devices such as ATMs (Automated Teller Machines) and certain types of POS (Point Of Sale) terminals still rely on the insertion of physical cards or contact card reading, making it difficult for virtual cards to replace physical cards in these scenarios.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The present application provides a card information communication method, a card information sending method and a device, so as to at least solve the technical problem in the prior art that the user has too many physical cards, resulting in unchanged physical card management and high cost of card making materials.

[0006] According to one aspect of the present application, a card information communication method is provided, comprising: obtaining X card information from a target device of a user through a chip in a target card, wherein X is an integer greater than or equal to 1, each card information represents registration information of a physical card owned by the user or registration information of a virtual card, and the card information transmitted between the target device and the chip is information in an encrypted state; and sending any one of the X card information to a card reading device corresponding to the card information through the chip of the target card.

[0007] Optionally, obtaining X pieces of card information from a target device of the user through a chip in a target card includes: establishing a wireless communication connection between the target card and the target device when it is detected that the distance between the target card and the target device is less than a preset distance; sending a card information reading request to the target device through the chip of the target card based on the wireless communication connection; and receiving, through the chip of the target card, X pieces of card information determined by the user based on the card information reading request and sent by the target device.

[0008] Optionally, sending any one of the X card information to a card reader corresponding to the card information through the chip of the target card, including: when it is detected that the distance between the target card and the card reader is less than a preset threshold, obtaining a card reading request sent by the card reader through the chip of the target card, wherein the card reading request represents a request for the card reader to obtain the card information of a physical card / virtual card of the target type; activating a wireless communication module in the chip of the target card according to the card reading request, and sending the card information of the physical card / virtual card of the target type stored in the chip of the target card to the card reader by using the wireless communication module.

[0009] Optionally, after obtaining X card information from the user's target device through the chip in the target card, the card information communication method further includes: receiving a card information update instruction sent by the target device through the chip in the target card, wherein the card information update instruction is used to notify the chip to perform an update operation on the card information carrying the target identifier; according to the card information update instruction, completing any of the following update operations on the card information carrying the target identifier stored in the chip through the chip: deleting the card information carrying the target identifier; modifying the card information carrying the target identifier; freezing the card information carrying the target identifier, wherein the chip prohibits sending the card information in a frozen state to any device.

[0010] Optionally, the card information communication method also includes: in a case where a contact card reader is provided in the target card, if it is detected that the distance between the user's physical card and the contact card reader in the target card is less than a target threshold, the card information recorded in the magnetic stripe / chip of the user's physical card is read by the contact card reader in the target card.

[0011] According to another aspect of the present application, a method for sending card information is provided, comprising: receiving a user's card selection instruction through a target device, wherein the card selection instruction is used to specify the card information selected by the user to be sent, and the card information represents the registration information of a physical card or a virtual card owned by the user; according to the card selection instruction, selecting X card information of the user from all the card information stored in the target device and sending them to a chip of the target card, wherein X is an integer greater than or equal to 1, and the card information transmitted between the target device and the chip is information in an encrypted state.

[0012] Optionally, selecting X card information of the user from all the card information stored in the target device and sending them to the chip of the target card includes: splicing Y sub-contents included in the card information into an information string according to a preset format and preset rules by the target device; performing hash encryption calculation on the information string by the target device to obtain a calculated hash value; and using the hash value as the encryption result of the card information.

[0013] According to another aspect of the present application, a card information processing system is provided, comprising: a target device, used to encrypt X card information selected by a user and send them to a chip of a target card, wherein X is an integer greater than or equal to 1, and each card information represents the registration information of a physical card owned by the user or the registration information of a virtual card; a target card, used to send any one of the X card information to a card reading device corresponding to the card information; and a card reading device, used to read the card information transmitted by the target card and perform verification processing.

[0014] According to another aspect of the present application, a card information communication device is also provided, including: an acquisition unit, used to acquire X card information from a target device of a user through a chip in a target card, wherein X is an integer greater than or equal to 1, each card information represents the registration information of a physical card owned by the user or the registration information of a virtual card, and the card information transmitted between the target device and the chip is information in an encrypted state; a communication unit, used to send any one of the X card information to a card reading device corresponding to the card information through the chip of the target card.

[0015] Optionally, the acquisition unit includes: a first establishing subunit, a first reading subunit, and a first receiving subunit. The first establishing subunit is used to establish a wireless communication connection between the target card and the target device when it is detected that the distance between the target card and the target device is less than a preset distance; the first reading subunit is used to send a card information reading request to the target device through the chip of the target card based on the wireless communication connection; the first receiving subunit is used to receive, through the chip of the target card, the X card information determined by the user according to the card information reading request and sent by the target device.

[0016] Optionally, the communication unit includes: a first acquisition subunit and a first sending subunit. The first acquisition subunit is used to acquire a card reading request sent by the card reading device through the chip of the target card when it is detected that the distance between the target card and the card reading device is less than a preset threshold, wherein the card reading request represents that the card reading device requests to acquire the card information of the physical card / virtual card of the target type; the first sending subunit is used to activate the wireless communication module in the chip of the target card according to the card reading request, and use the wireless communication module to send the card information of the physical card / virtual card of the target type stored in the chip of the target card to the card reading device.

[0017] Optionally, the card information communication device further includes: a first receiving unit and a first updating unit. The first receiving unit is used to receive a card information updating instruction sent by a target device through a chip in a target card, wherein the card information updating instruction is used to notify the chip to perform an updating operation on the card information carrying the target identifier; the first updating unit is used to perform any of the following updating operations on the card information carrying the target identifier stored in the chip through the chip according to the card information updating instruction: deleting the card information carrying the target identifier; modifying the card information carrying the target identifier; freezing the card information carrying the target identifier, wherein the chip is prohibited from sending the frozen card information to any device.

[0018] Optionally, the card information communication device also includes: a first reading unit, which is used to read the card information recorded in the magnetic stripe / chip of the user's physical card through the contact card reader in the target card if it is detected that the distance between the user's physical card and the contact card reader in the target card is less than a target threshold when a contact card reader is provided in the target card.

[0019] According to another aspect of the present application, a device for sending card information is also provided, including: a receiving unit, used to receive a user's card selection instruction through a target device, wherein the card selection instruction is used to specify the card information selected by the user to be sent, and the card information represents the registration information of a physical card or a virtual card owned by the user; a sending unit, used to select X card information of the user from all the card information stored in the target device according to the card selection instruction and send them to the chip of the target card, wherein X is an integer greater than or equal to 1, and the card information transmitted between the target device and the chip is information in an encrypted state.

[0020] Optionally, the sending unit includes: a first splicing subunit, a first calculating subunit, and a first determining subunit. The first splicing subunit is used to splice the Y sub-contents included in the card information into an information string according to a preset format and preset rules through the target device; the first calculating subunit is used to perform hash encryption calculation on the information string through the target device to obtain a calculated hash value; and the first determining subunit is used to use the hash value as the encryption result of the card information.

[0021] According to another aspect of the present application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored executable program, wherein when the executable program is executed, the device where the computer-readable storage medium is located is controlled to execute the above method.

[0022] According to another aspect of the present application, an electronic device is also provided, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the above-mentioned card information communication method or the above-mentioned card information sending method.

[0023] According to another aspect of the present application, a computer program product is also provided, comprising computer instructions, which implement the steps of the above method when executed by a processor.

[0024] In the present application, firstly, X card information is obtained from the user's target device through the chip in the target card, where X is an integer greater than or equal to 1, and each card information represents the registration information of a physical card or a virtual card owned by the user, and the card information transmitted between the target device and the chip is information in an encrypted state, and then, through the chip of the target card, any one of the X card information is sent to the card reading device corresponding to the card information, that is, one target card can replace multiple physical cards or virtual cards, which can not only reduce the card making cost, but also improve the user's centralized and unified management of multiple physical cards or virtual cards of different types, and improve the card management efficiency, thereby achieving the technical effect of reducing the use of card making materials and reducing the costs of financial institutions and users, thereby solving the technical problem in the prior art that the number of physical cards of users is too large, resulting in unchanged physical card management and high cost of using card making materials. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0026] Figure 1 is a flow chart of an optional card information communication method according to an embodiment of the present application;

[0027] Figure 2 is a schematic diagram of card information processing in an optional existing mode according to an embodiment of the present application;

[0028] Figure 3 is a schematic diagram of card information processing in an optional new mode according to an embodiment of the present application;

[0029] Figure 4 is a flow chart of an optional method for sending card information according to an embodiment of the present application;

[0030] Figure 5 is a schematic diagram of an optional card information encryption transmission according to an embodiment of the present application;

[0031] Figure 6 is a schematic diagram of an optional card information communication device according to an embodiment of the present application;

[0032] Figure 7 It is a schematic diagram of an optional card information sending device according to an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present application.

[0034] It should be noted that the terms "first", "second", etc. in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any of their variations are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device comprising a series of steps or units is not necessarily limited to those steps or units clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0035] It should be noted that the collected information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with relevant laws, regulations and standards, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation entrances are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions to provide users with corresponding operation entrances for users to choose to agree or refuse the results of automated decision-making; if the user chooses to refuse, the expert decision-making process will be entered.

[0036] According to an embodiment of the present application, a method embodiment of a card information communication method is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0037] Figure 1 is a flow chart of an optional card information communication method according to an embodiment of the present application, such as Figure 1 As shown, the method comprises the following steps:

[0038] Step S101, obtaining X card information from a target device of a user through a chip in a target card.

[0039] In step S101, X is an integer greater than or equal to 1, each card information represents the registration information of a physical card owned by the user or the registration information of a virtual card, and the card information transmitted between the target device and the chip is encrypted information.

[0040] It should be noted that the target card (smart card) can be used as the execution subject of the card information communication method of the embodiment of the present application. It is understandable that the card information communication method provided in the embodiment of the present application can also be executed by other systems or devices, and the embodiment of the present application does not specifically limit this.

[0041] Optionally, the target card has the same specifications and materials as the existing chip card, but has more advanced NFC data interaction capabilities and hash encryption functions (NFC technology uses electromagnetic induction to exchange data so that two devices can communicate wirelessly). The target card includes a magnetic stripe, a chip, a contact card reader, etc. Among them, the magnetic stripe: This is the earliest part used to store bank card information, mainly including card number, expiration date, verification code and other information, but due to security risks, more and more bank cards are now using chips to store information; chip: The chip stores more information, including card number, expiration date, verification code, account balance, transaction records, etc. In addition, some bank card chips store user personal information, such as name, address, etc.; contact card reader: When the physical card is close to the contact card reader, the card reader will read the physical card information through the magnetic stripe or chip.

[0042] Optionally, the target device is a smart device with NFC function, such as a smart phone, a smart watch, etc., which can store physical card or virtual card information and exchange data with the target card.

[0043] Optionally, the card information includes registration information of the physical card, such as card number, expiration date, verification code, account balance, transaction record, etc., and similar information of the virtual card. The card information can be derived from an existing physical card or a virtual card issued by a bank.

[0044] Optionally, the card information transmitted between the target device and the chip is encrypted using hash encryption technology, ensuring that even if the information is intercepted during the information transmission process, the original card information cannot be directly parsed, thereby enhancing information security.

[0045] Optionally, the target card can read multiple physical cards or virtual cards from the user's target device.

[0046] Step S102: sending any one of the X card information to a card reading device corresponding to the card information through the chip of the target card.

[0047] Optionally, the card reading device refers to a device that can read card information in a target card, including a bank's ATM machine, POS machine, access control system, etc.

[0048] Optionally, when the target card approaches or contacts the card reading device, the chip of the target card sends any one of the X card information to the card reading device corresponding to the card information.

[0049] Optionally, Figure 2 is a schematic diagram of card information processing in an optional existing mode according to an embodiment of the present application, such as Figure 2 As shown in the figure, the card information processing process in the existing mode: taking a bank card as an example, the bank card includes bank card information (including card number, cardholder name, validity period, security code, etc.). In the existing mode, the user brings the physical bank card close to the NFC card reading area of ​​the smart device (such as a smart phone), and the smart device reads the card information on the magnetic stripe or chip of the bank card through NFC technology. This operation enables the smart device to obtain the information of the physical card for subsequent virtual card storage and use. When the smart device needs to simulate a physical card for transaction, it sends the read card information to the card reader device, such as the merchant's POS terminal. The card reader device receives the card information sent by the smart device through electromagnetic induction and performs transaction verification or processing. That is, the source of the card information in the existing mode is the bank card, and the path of its information flow is from the physical bank card to the smart device, and the card information is stored in the smart device. When in use, the smart device outputs the card information to the card reader to achieve cardless operation.

[0050] Optionally, Figure 3 is a schematic diagram of card information processing in an optional new mode according to an embodiment of the present application, such as Figure 3As shown, the process of card information processing in this embodiment (new mode): the source of bank card information is smart devices such as mobile phones. The source of this information can be the current physical bank card written into the mobile phone through NFC technology, or it can be a virtual card issued in the future. The user first selects the card he needs to use on the mobile phone, and then brings the smart card close to the NFC card reading area of ​​the mobile phone, and then triggers the card reading induction. The smart device writes the card information selected by the user into the chip of the smart card through NFC technology. Different from the "existing mode", the smart card does not store any card information when it leaves the factory, but is written by the smart device when it is used. This enables the smart card to dynamically store and update card information, increasing its versatility and convenience. After receiving the write instruction from the smart device, the chip of the smart card reads and stores The smart device sends the card information, and the smart card chip will verify when reading the card information to ensure the integrity and legitimacy of the information. Then, after verifying and storing the card information, the smart card can send the card information to the card reader device, such as ATM machines, smart terminals, etc., through electromagnetic induction according to the user's needs or scenarios. This process enables the smart card to directly simulate the use of physical cards in various scenarios, making up for the blind spot in the use of virtual cards in smart devices, that is, one smart card can replace multiple physical cards, which can not only reduce the cost of card making, but also improve the user's centralized and unified management of multiple physical cards or virtual cards of different types, and improve card management efficiency. Finally, the card reader receives the card information from the smart card, verifies and processes the information, and completes transactions, identity authentication and other operations.

[0051] It can be seen from the contents of step S101 to step S102 that in the present application, firstly, X card information is obtained from the target device of the user through the chip in the target card, wherein X is an integer greater than or equal to 1, and each card information represents the registration information of a physical card or a virtual card owned by the user, and the card information transmitted between the target device and the chip is information in an encrypted state, and then, through the chip of the target card, any one of the X card information is sent to the card reading device corresponding to the card information, that is, one target card can replace multiple physical cards or virtual cards, which can not only reduce the card making cost, but also improve the centralized and unified management of multiple physical cards or virtual cards of different types by the user, and improve the card management efficiency, thereby achieving the technical effect of reducing the use of card making materials and reducing the costs of financial institutions and users, thereby solving the technical problem in the prior art that the number of physical cards of users is too large, resulting in unchanged physical card management and high cost of using card making materials.

[0052] In an optional embodiment, when it is detected that the distance between the target card and the target device is less than a preset distance, a wireless communication connection is established between the target card and the target device, and based on the wireless communication connection, a card information reading request is sent to the target device through the chip of the target card, and then the target device receives X card information determined by the user based on the card information reading request through the chip of the target card.

[0053] Optionally, when the target card and the target device (such as the user's smart device (such as a mobile phone)) are close to within a preset distance, the activation of the NFC wireless communication module is triggered, and a communication connection between the two is automatically established, providing a necessary communication bridge for subsequent card information reading and writing. After the wireless communication connection is established, the target card actively sends a card information reading request to the target device. This request is a trigger signal for NFC data exchange, prompting the target device to start the corresponding card information reading process. By sending a reading request by the target card, it is ensured that the initiative of information interaction is in the hands of the user, thereby enhancing the controllability and security of the entire interaction process. After the target device responds to the card information reading request, according to the user's choice, the selected X card information is sent to the smart encryption card in encrypted form (such as a hash value) through the wireless communication connection. The target device receives the encrypted card information and stores it in its chip, preparing for subsequent use in a physical card terminal (such as an ATM machine, a POS machine).

[0054] As can be seen from the above content, the above steps first ensure that the information exchange is carried out in a safe and controllable environment by limiting the preset distance, avoiding the risk of malicious information reading at a long distance. Secondly, the target card actively sends a read request, allowing the user to independently control the reading of information, enhancing the security and controllability of the interaction process. Users only need to carry a target card to interact with their target device through wireless communication, dynamically load the card information of multiple physical cards or virtual cards onto the target card, and realize the "multi-card integration" function, which greatly facilitates the carrying and use of cards. With the popularization of target cards, users can reduce the number of physical cards they hold, reduce the card-making costs of financial institutions, and also reduce the demand for card-making materials such as plastics, which is beneficial to environmental protection.

[0055] In an optional embodiment, when it is detected that the distance between the target card and the card reading device is less than a preset threshold, a card reading request sent by the card reading device is obtained through the chip of the target card, wherein the card reading request represents a request for the card reading device to obtain the card information of the target type of physical card / virtual card, and then the wireless communication module in the chip of the target card is activated according to the card reading request, and the card information of the target type of physical card / virtual card stored in the chip of the target card is sent to the card reading device by using the wireless communication module.

[0056] Optionally, when the user brings the target card close to the card reader, the chip on the target card will use the built-in NFC technology to detect the distance from the card reader. This process is achieved through the radio frequency identification function inside the chip, and the distance is estimated by measuring the intensity change of the electromagnetic signal. When the detected distance is less than the preset threshold, it means that the NFC communication module of the target card and the card reader has entered the effective interaction range, and information can be exchanged safely at this time. Among them, the preset threshold is a key parameter, which defines the maximum distance for effective communication between the target card and the card reader.

[0057] Optionally, when it is detected that the distance between the target card and the card reader is less than a preset threshold, the target card will automatically start the receiving function to obtain the card reading request sent by the card reader. The card reading request is a specific signal sent by the card reader to instruct the target card to release the required card information. This request includes the type of card reader device (such as ATM, POS, access control system, etc.) and the specific card information type it requires (physical card or virtual card). The reception of the card reading request ensures the purpose and security of information exchange, prevents the card from being activated on an unexpected card reader, and avoids information being read incorrectly. After the chip receives the card reading request, it will activate the internal wireless communication module based on the request. The wireless communication module is a key component that supports NFC technology. It is responsible for sending and receiving data. Activating this module is a preparatory step for data transmission, ensuring that the chip can respond to the card reading request and prepare to send encrypted card information. After activating the wireless communication module, the target card will send the card information of the target type of physical card or virtual card stored in its chip to the card reader.

[0058] Optionally, the card information of the target type physical card / virtual card here refers to the card information after hash encryption to ensure security during transmission. Through the wireless communication module, the chip transmits the encrypted card information to the card reader device. This process is efficient and secure because it utilizes the near field communication capability of NFC technology and protects the card information from eavesdropping or tampering through hash value encryption.

[0059] From the above content, it can be seen that the target card determines the timing and purpose of information exchange by detecting the distance and receiving the card reading request, ensuring the security of the information and the targeted use. Activating the wireless communication module and sending the encrypted card information effectively utilizes the advantages of NFC technology, while combining hash encryption to enhance the security of data transmission and protect user privacy and property safety. This series of steps not only simplifies the process of users using cards in different scenarios, but also improves the security level of card information exchange, laying the foundation for the widespread application of "multi-card-in-one" smart cards, and realizing the seamless transmission of physical card / virtual card information in specific scenarios.

[0060] In an optional embodiment, a card information update instruction sent by a target device is received by a chip in a target card, wherein the card information update instruction is used to notify the chip to perform an update operation on the card information carrying the target identifier, and then according to the card information update instruction, the chip performs any of the following update operations on the card information carrying the target identifier stored in the chip: deleting the card information carrying the target identifier; modifying the card information carrying the target identifier; freezing the card information carrying the target identifier, wherein the chip prohibits sending the card information in a frozen state to any device.

[0061] Optionally, when the user wishes to update a card information stored on a target card, such as changing the card password, updating the card balance, or modifying the card validity period, the user can send a card information update instruction to the smart card through a target device (such as a mobile phone). This instruction includes a target identifier, which is used to uniquely identify the card information that needs to be updated. After receiving the instruction, the chip will locate the specific card information based on the target identifier and prepare for subsequent update operations.

[0062] Optionally, based on the received card information update instruction, the chip of the target card will perform any of the following update operations: Delete the card information carrying the target identifier: When the user decides not to use a card anymore, or the card information needs to be deleted for security reasons, the chip will perform a delete operation to completely remove the card information from the memory to ensure the security and privacy of user data; Modify the card information carrying the target identifier: If the card information needs to be updated, such as password change, validity period extension or balance adjustment, the chip will perform a modification operation to overwrite the original information according to the new information in the update instruction to maintain the timeliness and accuracy of the card information; Freeze the card information carrying the target identifier: In order to prevent the card information from being misused in certain circumstances, the chip can perform a freeze operation to put the card information into a frozen state. In the frozen state, the chip will prohibit the card information from being sent to any device until the user unfreezes it through legal means.

[0063] Optionally, when performing the above update operation, the chip of the target card will ensure that all operations are performed in a secure environment to prevent unauthorized access or tampering. In addition, the control mechanism inside the chip will monitor the state changes of the card information to ensure that the update instructions are correctly executed and can trace each step of the operation for subsequent audit or troubleshooting. After completing the update operation, the smart card chip will feedback the updated status to the target device. For example, after the freezing operation, the chip will send a confirmation signal indicating that the specific card information is in a frozen state, thereby preventing subsequent illegal use. This state maintenance and feedback mechanism provides a transparent and controllable interaction process between users and devices, enhancing the overall security of the system.

[0064] From the above content, it can be seen that a dynamic card information management mechanism is introduced for the target card through the above method. By receiving the card information update instruction sent by the target device, the card can respond to user needs in real time and perform operations such as deletion, modification or freezing, effectively maintaining the security and accuracy of the card information. This mechanism not only improves the user's card usage experience, but also enhances the security of smart cards during data transmission and storage, especially in high-risk environments, such as NFC transactions in public places, which can effectively prevent information leakage and card abuse.

[0065] In an optional embodiment, when a contact card reader is provided in the target card, if it is detected that the distance between the user's physical card and the contact card reader in the target card is less than a target threshold, the card information recorded in the magnetic stripe / chip of the user's physical card is read by the contact card reader in the target card.

[0066] Optionally, a contact card reader is integrated into the target card so that it not only supports NFC wireless communication but also can directly read the magnetic stripe or chip information of the physical card.

[0067] Optionally, when the user places the physical card on the contact card reader of the target card, the target card measures the distance between the two through the built-in detection mechanism to determine whether the physical card has entered the reading range. Once the distance between the physical card and the contact card reader is less than the target threshold (i.e., direct contact), the card reader will be activated and ready to read the information on the physical card. Through precise distance detection, the target card can ensure the accuracy and security of the card reading operation and avoid misreading or unauthorized reading. After detecting that the physical card is in direct contact with the contact card reader, the contact card reader in the target card will start and read the magnetic stripe or chip information of the physical card. The read card information will be processed, including possible hash encryption, to ensure the security of information transmission. This function enables the target card to simulate a physical card on a card reader device without NFC function, providing users with a wider range of card usage scenarios. In particular, on devices that only support contact reading, the target card can achieve seamless switching between virtual cards and physical cards by reading and storing physical card information.

[0068] As can be seen from the above content, the above description describes the use of a contact card reader provided in the target card. By providing a contact card reader on the target card and realizing accurate distance detection and card information reading, this embodiment expands the application scope of the target card, enabling it to flexibly switch between NFC technology and contact card reading technology. The implementation of this method improves the practicality of the target card, enabling it to adapt to more types of card reading devices, and also ensures the security of card use, especially when processing sensitive card information, it is protected by encryption technology to prevent information leakage during reading and transmission, and by reading card information through physical contact, it can ensure the accuracy and stability of information reading, avoiding signal interference or reading failure that may be caused in wireless transmission. At the same time, users no longer need to carry multiple physical cards, but only need to carry the target card to realize the reading and use of different physical card information, which not only reduces the carrying burden of users, but also simplifies the operation process of users using cards in different scenarios.

[0069] According to an embodiment of the present application, a method embodiment of a method for sending card information is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in an order different from that shown here.

[0070] Figure 4 is a flow chart of an optional card information sending method according to an embodiment of the present application, such as Figure 4 As shown, the method comprises the following steps:

[0071] Step S401: receiving a card selection instruction from a user through a target device.

[0072] In step S401, the card selection instruction is used to specify the card information that the user chooses to send, and the card information represents the registration information of the physical card owned by the user or the registration information of the virtual card.

[0073] It should be noted that the target device (smart device) can be used as the execution subject of the card information sending method of the embodiment of the present application. It is understandable that the card information sending method provided in the embodiment of the present application can also be executed by other systems or devices, and the embodiment of the present application does not specifically limit this.

[0074] Optionally, the card selection instruction refers to an instruction sent by the user through an application or interface on the target device, which is used to specify the card information to be sent.

[0075] Optionally, the user can select the card information to be sent through the target device (such as a mobile phone). The user may have multiple physical cards and virtual cards. Through the card selection instruction, specific card information can be specified for subsequent communications and transactions, which enhances the user's flexibility and selectivity in using cards.

[0076] Step S402: According to the card selection instruction, select the user's X card information from all the card information stored in the target device and send it to the chip of the target card.

[0077] In step S402, X is an integer greater than or equal to 1, and the card information transmitted between the target device and the chip is encrypted information.

[0078] Optionally, after the user sends a card selection instruction through the target device, the target device selects X card information specified by the user from the stored card information library and converts the card information into encrypted information (i.e., hash value). Subsequently, the encrypted card information is sent to the chip of the target card for storage through the NFC module of the target device.

[0079] In an optional embodiment, the target device splices the Y sub-contents included in the card information into an information string according to a preset format and preset rules, and then performs hash encryption calculation on the information string to obtain a calculated hash value, and then uses the hash value as the encryption result of the card information.

[0080] Optionally, on the target device, the Y sub-contents in the card information are sequentially spliced ​​according to preset formats and rules to form a complete information string, wherein the preset format may include specific separators, character encoding methods, etc., which are used to standardize the structure of the information string for subsequent processing. The preset rules define the splicing order and combination method of the sub-contents to ensure that the generation of the information string follows consistent standards. Whether it is a combination of sub-contents of multiple physical cards or sub-information of a single virtual card, it can be correctly identified and processed. The purpose of this process is to provide a data foundation with a clear structure and unified format for hash encryption calculation. After the target device generates the information string, the information string will be encrypted using a preset hash encryption algorithm. The hash encryption calculation process converts the information string into a unique hash value. Regardless of the length and content of the original information string, the length of the hash value is fixed, and each different information string will generate a unique hash value. The purpose of this step is to convert the card information into a secure, irreversible identifier to protect the card information from eavesdropping and tampering, while ensuring that the integrity and authenticity of the information can be efficiently verified during transmission.

[0081] Optionally, the obtained hash value will be used as the encrypted card information for subsequent data transmission and verification. When the smart card communicates wirelessly with the target device, the hash value will be sent instead of the original card information. In this way, even if the hash value is intercepted during the transmission process, the sensitive card information cannot be reversely parsed, which greatly improves the security of information transmission. In addition, the hash value is also used as a storage form of card information in the smart card, avoiding direct exposure of the card information, further enhancing the security of smart card use.

[0082] It should be noted that the hash algorithm (hash encryption algorithm) refers to the process of calculating data of any length to obtain a data value of fixed length, and this process is one-way and stable. Among them, one-way means that the calculation of the hash function is one-way, and the output can only be obtained through the input, and the output cannot be reversed. The input, stable means that the same input will always get the same output.

[0083] Optionally, Figure 5 is a schematic diagram of an optional card information encryption transmission according to an embodiment of the present application, such as Figure 5 As shown in the figure, smart devices (such as smart phones, smart watches, etc.) are the center of user operations. Users can select the physical card or virtual card they want to use on this device. This selection is based on the user's current needs, such as the need to pay, withdraw money, or use access control. The smart device provides a user interface for users to make choices from stored card information. Once the user selects the card to be used on the smart device, the device will use a hash encryption algorithm to encrypt the card information. The card information must be spliced ​​into a long information string according to a certain format (such as card number + cardholder name + card expiration date + card security code) and rules, and then hash encryption is performed (this process is performed by the card issuing institution) It is also required when activating this card), and then the encrypted hash value is written into the smart card through NFC technology. After receiving these hash values, the smart card stores them in the chip, replacing the original card information for subsequent use and verification. In the usage scenario, it is the hash value and password that are verified. Finally, the verified hash value and password information will be sent by the smart card to the physical card terminal, such as a bank's ATM or a merchant's POS machine. After receiving this information, the physical card terminal will confirm the legitimacy of the hash value and the correctness of the password through an internal verification mechanism (usually a remote verification system with the issuing institution), thereby completing the authorization of the transaction or operation.

[0084] Optionally, the hash value is used instead of the original card information in the above process, which can effectively protect the card and the cardholder's information. Due to the particularity of hash encryption, even if the information is stolen during the transmission process or due to the loss of the card, only the calculated hash value is exposed, and the customer information cannot be reversed. This method can effectively protect users from the risk of information loss caused by wireless transmission of NFC technology. Reduce the amount of key information on the smart card and thus improve the security of use.

[0085] From the above content, it can be seen that this series of operations not only realizes the efficient organization and unified formatting of card information, but also provides strong security protection for card information during transmission and storage through hash encryption technology. By using hash value as the encryption result of card information, the present invention effectively prevents the risk of card information leakage in wireless communication, and at the same time ensures that smart cards are compatible with the security verification process of existing card reading devices.

[0086] The embodiment of the present application also provides a card information processing system. It should be noted that the card information processing system of the embodiment of the present application can be used to execute the card information communication method and card information sending method provided in the embodiment of the present application. The card information processing system provided in the embodiment of the present application is introduced below.

[0087] According to an embodiment of the present application, an embodiment of a card information processing system is also provided. The system includes: a target device, which is used to encrypt X card information selected by a user and send them to a chip of a target card, where X is an integer greater than or equal to 1, and each card information represents the registration information of a physical card or a virtual card owned by the user; a target card, which is used to send any one of the X card information to a card reading device corresponding to the card information; and a card reading device, which is used to read the card information transmitted by the target card and perform verification processing.

[0088] The embodiment of the present application also provides a card information communication device. It should be noted that the card information communication device of the embodiment of the present application can be used to execute the card information communication method provided by the embodiment of the present application. The card information communication device provided by the embodiment of the present application is introduced below.

[0089] According to an embodiment of the present application, a card information communication device is also provided. Figure 6 is a schematic diagram of an optional card information communication device according to an embodiment of the present application, such as Figure 6 As shown, an acquisition unit 601 and a communication unit 602.

[0090] Optionally, the acquisition unit 601 is used to obtain X card information from the user's target device through the chip in the target card, where X is an integer greater than or equal to 1, each card information represents the registration information of a physical card owned by the user or the registration information of a virtual card, and the card information transmitted between the target device and the chip is encrypted information; the communication unit 602 is used to send any one of the X card information to the card reading device corresponding to the card information through the chip of the target card.

[0091] Optionally, the acquisition unit 601 includes: a first establishing subunit, a first reading subunit, and a first receiving subunit. The first establishing subunit is used to establish a wireless communication connection between the target card and the target device when it is detected that the distance between the target card and the target device is less than a preset distance; the first reading subunit is used to send a card information reading request to the target device through the chip of the target card based on the wireless communication connection; the first receiving subunit is used to receive the X card information determined by the user according to the card information reading request and sent by the target device through the chip of the target card.

[0092] Optionally, the communication unit 602 includes: a first acquisition subunit and a first sending subunit. The first acquisition subunit is used to acquire a card reading request sent by the card reading device through the chip of the target card when it is detected that the distance between the target card and the card reading device is less than a preset threshold, wherein the card reading request represents the card reading device requesting to obtain the card information of the target type of physical card / virtual card; the first sending subunit is used to activate the wireless communication module in the chip of the target card according to the card reading request, and use the wireless communication module to send the card information of the target type of physical card / virtual card stored in the chip of the target card to the card reading device.

[0093] Optionally, the card information communication device further includes: a first receiving unit and a first updating unit. The first receiving unit is used to receive a card information updating instruction sent by a target device through a chip in a target card, wherein the card information updating instruction is used to notify the chip to perform an updating operation on the card information carrying the target identifier; the first updating unit is used to perform any of the following updating operations on the card information carrying the target identifier stored in the chip through the chip according to the card information updating instruction: deleting the card information carrying the target identifier; modifying the card information carrying the target identifier; freezing the card information carrying the target identifier, wherein the chip is prohibited from sending the frozen card information to any device.

[0094] Optionally, the card information communication device also includes: a first reading unit, which is used to read the card information recorded in the magnetic stripe / chip of the user's physical card through the contact card reader in the target card if it is detected that the distance between the user's physical card and the contact card reader in the target card is less than a target threshold when a contact card reader is provided in the target card.

[0095] The embodiment of the present application also provides a card information sending device. It should be noted that the card information sending device of the embodiment of the present application can be used to execute the card information sending method provided in the embodiment of the present application. The card information sending device provided in the embodiment of the present application is introduced below.

[0096] According to an embodiment of the present application, a device for sending card information is also provided. Figure 7is a schematic diagram of an optional card information sending device according to an embodiment of the present application, such as Figure 7 As shown, the device includes: a receiving unit 701 and a sending unit 702.

[0097] Optionally, the receiving unit 701 is used to receive a card selection instruction of the user through the target device, wherein the card selection instruction is used to specify the card information selected by the user to be sent, and the card information represents the registration information of a physical card or a virtual card owned by the user; the sending unit 702 is used to select X card information of the user from all the card information stored in the target device according to the card selection instruction and send them to the chip of the target card, wherein X is an integer greater than or equal to 1, and the card information transmitted between the target device and the chip is information in an encrypted state.

[0098] Optionally, the sending unit 702 includes: a first splicing subunit, a first calculating subunit, and a first determining subunit. The first splicing subunit is used to splice the Y sub-contents included in the card information into an information string according to a preset format and preset rules through the target device; the first calculating subunit is used to perform hash encryption calculation on the information string through the target device to obtain a calculated hash value; and the first determining subunit is used to use the hash value as the encryption result of the card information.

[0099] According to another aspect of the present application, a computer-readable storage medium is provided, the computer-readable storage medium including a stored executable program, wherein when the executable program is executed, the device where the computer-readable storage medium is located is controlled to execute the above method.

[0100] According to another aspect of the present application, an electronic device is provided, including: a memory storing an executable program; and a processor for running the program, wherein the above method is executed when the program is running.

[0101] According to another aspect of the present application, a computer program product is also provided, comprising computer instructions, which implement the steps of the above method when executed by a processor.

[0102] The serial numbers of the above-mentioned embodiments of the present application are for description only and do not represent the advantages or disadvantages of the embodiments.

[0103] In the above embodiments of the present application, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, please refer to the relevant description of other embodiments.

[0104] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0105] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0106] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0107] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present application, in essence, or the part that contributes to the prior art or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions to enable a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, disk or optical disk and other media that can store program codes.

[0108] The above is only a preferred implementation of the present application. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principles of the present application. These improvements and modifications should also be regarded as the scope of protection of the present application.

Claims

1. A card information communication method, characterized in that: include: Obtaining X card information from the user's target device through the chip in the target card, where X is an integer greater than or equal to 1, and each card information represents the registration information of a physical card or a virtual card owned by the user, and the card information transmitted between the target device and the chip is encrypted; Any one of the X card information is sent to a card reading device corresponding to the card information through the chip of the target card.

2. The card information communication method according to claim 1, characterized in that: Get X card information from the user's target device through the chip in the target card, including: When it is detected that the distance between the target card and the target device is less than a preset distance, establishing a wireless communication connection between the target card and the target device; Based on the wireless communication connection, sending a card information reading request to the target device through the chip of the target card; The X card information determined by the user according to the card information reading request and sent by the target device is received through the chip of the target card.

3. The card information communication method according to claim 1, characterized in that: Sending any one of the X card information to a card reading device corresponding to the card information through the chip of the target card includes: When it is detected that the distance between the target card and the card reader is less than a preset threshold, obtaining a card reading request sent by the card reader through the chip of the target card, wherein the card reading request represents the card information of the physical card / virtual card of the target type requested by the card reader; The wireless communication module in the chip of the target card is activated according to the card reading request, and the card information of the physical card / virtual card of the target type stored in the chip of the target card is sent to the card reading device by using the wireless communication module.

4. The card information communication method according to claim 1, characterized in that: After obtaining X card information from the user's target device through the chip in the target card, the card information communication method further includes: Receiving a card information update instruction sent by the target device through a chip in the target card, wherein the card information update instruction is used to notify the chip to perform an update operation on the card information carrying the target identifier; According to the card information update instruction, the chip performs any of the following update operations on the card information carrying the target identifier stored in the chip: Deleting the card information carrying the target identifier; Modify the card information carrying the target identifier; Freeze the card information carrying the target identifier, wherein the chip prohibits the card information in the frozen state from being sent to any device.

5. The card information communication method according to claim 1, characterized in that: The card information communication method also includes: In the case where a contact card reader is provided in the target card, if it is detected that the distance between the user's physical card and the contact card reader in the target card is less than a target threshold, the card information recorded in the magnetic stripe / chip of the user's physical card is read by the contact card reader in the target card.

6. A method for sending card information, characterized in that: include: Receiving a card selection instruction from a user through a target device, wherein the card selection instruction is used to specify card information selected by the user to be sent, and the card information represents registration information of a physical card or registration information of a virtual card owned by the user; According to the card selection instruction, X card information of the user is selected from all the card information stored in the target device and sent to the chip of the target card, wherein X is an integer greater than or equal to 1, and the card information transmitted between the target device and the chip is encrypted information.

7. The card information sending method according to claim 6, characterized in that: Selecting X card information of the user from all card information stored in the target device and sending them to the chip of the target card includes: splicing the Y sub-contents included in the card information into an information string according to a preset format and preset rules through the target device; Performing hash encryption calculation on the information string through the target device to obtain a calculated hash value; The hash value is used as the encryption result of the card information.

8. A card information processing system, characterized in that: include: The target device is used to encrypt X card information selected by the user and send them to the chip of the target card, where X is an integer greater than or equal to 1, and each card information represents the registration information of a physical card or a virtual card owned by the user; A target card is used to send any one of the X card information to a card reader corresponding to the card information; The card reading device is used to read the card information transmitted by the target card and perform verification processing.

9. A card information communication device, characterized in that: include: an acquisition unit, configured to acquire X card information from a target device of a user through a chip in a target card, wherein X is an integer greater than or equal to 1, each card information represents registration information of a physical card or a virtual card owned by the user, and the card information transmitted between the target device and the chip is information in an encrypted state; The communication unit is used to send any one of the X card information to a card reading device corresponding to the card information through the chip of the target card.

10. A card information sending device, characterized in that: include: A receiving unit, configured to receive a card selection instruction from a user through a target device, wherein the card selection instruction is used to specify the card information selected by the user to be sent, and the card information represents the registration information of a physical card or a virtual card owned by the user; A sending unit is used to select X card information of the user from all the card information stored in the target device according to the card selection instruction and send them to the chip of the target card, wherein X is an integer greater than or equal to 1, and the card information transmitted between the target device and the chip is information in an encrypted state.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium includes a stored executable program, wherein when the executable program is running, the device where the computer-readable storage medium is located is controlled to execute the card information communication method described in any one of claims 1 to 5 or the card information sending method described in 6 to 7.

12. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors execute the card information communication method described in any one of claims 1 to 5 or the card information sending method described in 6 to 7.

13. A computer program product comprising computer instructions, characterized in that: When the computer instructions are executed by the processor, the steps of the card information communication method described in any one of claims 1 to 5 or the card information sending method described in any one of claims 6 to 7 are implemented.

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