CN103136857A - Intelligent card and transaction controlling method of intelligent card - Google Patents

Intelligent card and transaction controlling method of intelligent card Download PDF

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Publication number
CN103136857A
CN103136857A CN2012105573458A CN201210557345A CN103136857A CN 103136857 A CN103136857 A CN 103136857A CN 2012105573458 A CN2012105573458 A CN 2012105573458A CN 201210557345 A CN201210557345 A CN 201210557345A CN 103136857 A CN103136857 A CN 103136857A
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China
Prior art keywords
control module
information
chip
safety chip
receives
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Granted
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CN2012105573458A
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Chinese (zh)
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CN103136857B (en
Inventor
李东声
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Tendyron Technology Co Ltd
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Tendyron Technology Co Ltd
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Priority to CN201210557345.8A priority Critical patent/CN103136857B/en
Publication of CN103136857A publication Critical patent/CN103136857A/en
Priority to HK13112273.8A priority patent/HK1184900A1/en
Priority to PCT/CN2013/090008 priority patent/WO2014094638A1/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Abstract

The invention provides an intelligent card and a transaction controlling method of the intelligent card. The method comprises the steps: receiving a transaction command by a safe chip through an antenna, wherein the transaction command comes from a card reader; analyzing the transaction command and obtaining transaction information by the safe chip; judging whether the transaction information contains sum information or not by the safe chip; if the transaction information contains the sum information, comparing a pre-stored preset threshold value with the sum information by the safe chip; sending the transaction command to a chip of the intelligent card by the safe chip according to a comparison result; and carrying out the transaction operation by the chip of the intelligent card according to the transaction command. When the card reader carries out transaction on the intelligent card, due to the fact that the card swiping sum of the card reader and the preset threshold value can be compared by the safe chip, the transaction command is sent to the chip of the intelligent card on the basis of the comparison result, so that the transaction operation is carried out, the intelligent card is enabled to have corresponding safety protection measures, and safety of a transaction can also ensured even when a large-denomination transaction is conducted.

Description

Smart card and smart card transaction control method
Technical field
The present invention relates to a kind of electronic technology field, relate in particular to a kind of smart card and smart card transaction control method.
Background technology
Present intellective IC card mostly is single function intellective IC card; such as grease card etc., because it is not encrypted and safety precautions, therefore in order to be used for completing the transaction of small amount; and when using intellective IC card to complete block trade by the non-contact transaction mode, can not guarantee the safety of concluding the business.
And existing intellective IC card is when carrying out non-contact transaction, the intellective IC card chip is by noncontact antenna transmission information,, will trigger intellective IC card and carry out data transmission to from the steering order of card-reading apparatus (such as POS, ATM etc.) time when the noncontact antenna induction.And in the unwitting situation of user, as long as intellective IC card receives the steering order from card-reading apparatus, will trigger intellective IC card carries out data transmission, thereby causes user's smart card account number to be lost.
Summary of the invention
The present invention is intended to solve the existing unsafe problem of intellective IC card.
Fundamental purpose of the present invention is to provide a kind of smart card transaction control method;
Another object of the present invention is to provide a kind of smart card.
For achieving the above object, technical scheme of the present invention specifically is achieved in that
One aspect of the present invention provides a kind of smart card transaction control method, and described method comprises: safety chip is by the trading instruction of antenna reception from card reader; Described safety chip is resolved described trading instruction and is obtained Transaction Information; Described safety chip judges whether comprise amount information in described Transaction Information; If comprise described amount information in described Transaction Information, described safety chip is compared the predetermined threshold value and the described amount information that prestore; Described safety chip is sent to described intelligent card chip according to comparison result with described trading instruction; Described intelligent card chip is carried out the transaction operation according to described trading instruction.
In addition, described safety chip comprises according to comparison result the step that described trading instruction is sent to described intelligent card chip: if comparison result be described amount information less than predetermined threshold value, described safety chip is sent to described intelligent card chip with described trading instruction; If comparison result be described amount information more than or equal to predetermined threshold value, described safety chip is carried out verification operation, after completing described verification operation, described trading instruction is sent to described intelligent card chip.
In addition, described safety chip is carried out the combination that verification operation comprises following a kind of operation or several operations: described safety chip control display screen display is shown described amount information; Described safety chip receives the confirmation instruction of keyboard input; Described safety chip receives the password of keyboard input, judges described password correct.
In addition, if the verification operation that described safety chip is carried out comprises described safety chip and receives the step of the confirmation instruction of keyboard input, also comprises before described safety chip is carried out the step of verification operation: described safety chip control display screen display is shown confirmation input prompt information; If the verification operation that described safety chip is carried out comprises described safety chip and receive the password of keyboard input and judge the correct step of described password, also comprise before described safety chip is carried out the step of verification operation: described safety chip control display screen display is shown the prompt cipher input message.
In addition, described safety chip execution verification operation comprises: described safety chip control display screen display is shown described amount information; Or described safety chip receives the confirmation instruction of keyboard input; Or the password of described safety chip reception keyboard input, judge described password correct; Or described safety chip control display screen display is shown described amount information, the confirmation instruction of reception keyboard input; Or the confirmation instruction of described safety chip reception keyboard input, the control display screen display is shown described amount information; Or described safety chip control display screen display shows described amount information, receives the password of keyboard input, judges described password correct; Or the password of described safety chip reception keyboard input, judge described password correct, the control display screen display is shown described amount information; Or the confirmation instruction of described safety chip reception keyboard input, receive the password that keyboard is inputted, judge described password correct; Or the password of described safety chip reception keyboard input, judge described password correct, receive the confirmation instruction of keyboard input; Or described safety chip control display screen display shows described amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct; Or described safety chip control display screen display shows described amount information, receives the password of keyboard input, judges described password correct, receives the confirmation instruction of keyboard input; Or the confirmation instruction of described safety chip reception keyboard input, the control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct; Or the confirmation instruction of described safety chip reception keyboard input, receive the password that keyboard is inputted, judge described password correct, the control display screen display is shown described amount information; Or the password of described safety chip reception keyboard input, judge described password correct, the control display screen display is shown described amount information, receives the confirmation instruction of keyboard input; Or the password of described safety chip reception keyboard input, judge described password correct, receive the confirmation instruction of keyboard input, the control display screen display is shown described amount information.
In addition, described safety chip comprises according to comparison result the step that described trading instruction is sent to described intelligent card chip: if comparison result be described amount information less than first threshold, described safety chip is sent to described intelligent card chip with described trading instruction; If comparison result be described amount information more than or equal to first threshold and less than Second Threshold, described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen display shows described amount information, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip; If comparison result is that described amount information is more than or equal to Second Threshold, described safety chip control display screen display is shown described amount information, receive the password of keyboard input, judge described password correct, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen display shows described amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip.
In addition, described safety chip comprises according to comparison result the step that described trading instruction is sent to described intelligent card chip: if comparison result be described amount information less than first threshold, described safety chip is sent to described intelligent card chip with described trading instruction; If comparison result be described amount information more than or equal to first threshold and less than Second Threshold, described safety chip control display screen display is shown described amount information, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen display shows described amount information, receives the confirmation instruction of keyboard input, and described trading instruction is sent to described intelligent card chip; If comparison result be described amount information more than or equal to Second Threshold and less than the 3rd threshold value, described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen display shows described amount information, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip; If comparison result is that described amount information is more than or equal to the 3rd threshold value, described safety chip control display screen display is shown described amount information, receive the password of keyboard input, judge described password correct, and described trading instruction is sent to described intelligent card chip; Or described safety chip control display screen display shows described amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip.
In addition, before described safety chip was by the step of antenna reception from the trading instruction of card reader, described method also comprised: by the described antenna of switch open; Or be communicated with the connecting path of described antenna and described safety chip by switch; Or open described intelligent card chip by the steering order of safety chip.
In addition, after described intelligent card chip was carried out the easy-operating step of friendship according to described trading instruction, described method also comprised: close described antenna by switch; Or disconnect the connecting path of described antenna and described safety chip by switch; Or lock described intelligent card chip by the steering order of safety chip.
The present invention provides a kind of smart card on the other hand, and described smart card comprises: safety chip, intelligent card chip and antenna; Safety chip is resolved described trading instruction and is obtained Transaction Information by the trading instruction of antenna reception from card reader; Described safety chip judges whether comprise amount information in described Transaction Information, if comprise described amount information in described Transaction Information, described safety chip is compared the predetermined threshold value and the described amount information that prestore; Described safety chip is sent to described intelligent card chip according to comparison result with described trading instruction; Described intelligent card chip is carried out the transaction operation according to described trading instruction.
In addition, described safety chip comprises: receiving element, resolution unit, judging unit, comparing unit and control module; Described receiving element is by the trading instruction of antenna reception from card reader; Described resolution unit is resolved described trading instruction and is obtained Transaction Information; Whether comprise amount information in the described Transaction Information of described judgment unit judges; Described comparing unit goes out when comprising described amount information in described Transaction Information in described judgment unit judges, and the predetermined threshold value and the described amount information that prestore are compared; Described control module is sent to described intelligent card chip according to comparison result with described trading instruction.
In addition, described safety chip also comprises: authentication unit; The described amount information of described comparing unit comparison sends the first comparison information to described control module less than predetermined threshold value, and described control module is sent to described intelligent card chip according to described the first comparison information with described trading instruction; The described amount information of described comparing unit comparison is more than or equal to predetermined threshold value, send the second comparison information to described control module, described control module is controlled described authentication unit according to described the second comparison information and is carried out verification operation, after described authentication unit is completed described verification operation, send authorization information to described control module, described control module is sent to described intelligent card chip according to described authorization information with described trading instruction.
In addition, described smart card also comprises: display screen and/or keyboard; Described display screen receives the demonstration information of described safety chip, and described demonstration information is shown; And/or described keyboard is to described safety chip input message; Described authentication unit comprises the combination of following a kind of module or several modules at least: the first authentication module, described the first authentication module sends the first authorization information to described control module, and described control module shows described amount information according to described the first authorization information control display screen display; The second authentication module, described the second authentication module receives the confirmation instruction of keyboard input, and sends the second authorization information to described control module; The 3rd authentication module, described the 3rd authentication module receives the password of keyboard input, judges described password correct, and sends the 3rd authorization information to described control module.
In addition, if described safety chip comprises the second authentication module, described control module also the control display screen display show and confirm input prompt information; If described safety chip comprises the 3rd authentication module, described control module also the control display screen display show the prompt cipher input message.
In addition, described control module comprises at least: the first control module, described the first control module receives described the first authorization information that described the first authentication module sends, and show described amount information according to described the first authorization information control display screen display, described trading instruction is sent to described intelligent card chip; Or second control module, described the second control module receives described the second authorization information that described the second authentication module sends, and according to described the second authorization information, described trading instruction is sent to described intelligent card chip; Or the 3rd control module, described the 3rd control module receives described the 3rd authorization information that described the 3rd authentication module sends, and according to described the second authorization information, described trading instruction is sent to described intelligent card chip according to described the 3rd authorization information; Or the 4th control module, described the 4th control module receives described first authorization information of described the first control module transmission and described the second authorization information that described the second control module sends, and show described amount information according to described the first authorization information and described the second authorization information control display screen display, described trading instruction is sent to described intelligent card chip; Or the 5th control module, described the 5th control module receives described first authorization information of described the first control module transmission and described the 3rd authorization information that described the 3rd control module sends, and show described amount information according to described the first authorization information and described the 3rd authorization information control display screen display, described trading instruction is sent to described intelligent card chip; Or the 6th control module, described the 6th control module receives described second authorization information of described the second control module transmission and described the 3rd authorization information that described the 3rd control module sends, and according to described the second authorization information and described the 3rd authorization information, described trading instruction is sent to described intelligent card chip; Or the 7th control module, described the 7th control module receives described the first authorization information and described second authorization information of described the second control module transmission and described the 3rd authorization information that described the 3rd control module sends that described the first control module sends, and show described amount information according to described the first authorization information, described the second authorization information and described the 3rd authorization information control display screen display, described trading instruction is sent to described intelligent card chip.
In addition, described comparing unit comprises: the first comparing module, described the first described amount information of comparing module comparison is less than first threshold, send the first comparison information to described control module, described control module is sent to described intelligent card chip according to described the first comparison information with described trading instruction; The second comparing module, described the second described amount information of comparing module comparison is more than or equal to first threshold and less than Second Threshold, send the second comparison information to described control module, described control module is controlled described authentication unit according to described the second comparison information and carried out following operation: described authentication unit receives the confirmation instruction of keyboard input and sends the first authorization information to described control module, described control module shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the password of keyboard input, judge described password correct and send the second authorization information to described control module, described control module shows described amount information according to described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; The 3rd comparing module, described the 3rd described amount information of comparing module comparison is more than or equal to Second Threshold, send the 3rd comparison information to described control module, described control module is controlled described authentication unit according to described the 3rd comparison information and carried out following operation: described authentication unit receives the password of keyboard input, judge described password correct and send described the first authorization information to described control module, described control module shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the confirmation instruction of keyboard input and sends described the first authorization information to described control module, receive the password of keyboard input, judge described password correct and send the second authorization information to described control module, described control module shows described amount information according to described the first authorization information and described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip.
In addition, described comparing unit comprises: the first comparing module, described the first described amount information of comparing module comparison is less than first threshold, send the first comparison information to described control module, described control module is sent to described intelligent card chip according to described the first comparison information with described trading instruction; The second comparing module, described the second described amount information of comparing module comparison is more than or equal to first threshold and less than Second Threshold, send the second comparison information to described control module, described control module is controlled described authentication unit according to described the second comparison information and carried out following operation: described authentication unit sends the first authorization information to described control module, described control module shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the confirmation instruction of keyboard input and sends the second authorization information to described control module, described control module shows described amount information according to described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or the 3rd comparing module, described the 3rd described amount information of comparing module comparison is more than or equal to Second Threshold and less than the 3rd threshold value, send the 3rd comparison information to described control module, described control module is controlled described authentication unit according to described the 3rd comparison information and carried out following operation: described authentication unit receives the confirmation instruction of keyboard input and sends described the second authorization information to described control module, described control module shows described amount information according to described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the password of keyboard input, judge described password correct and send described the 3rd authorization information to described control module, described control module shows described amount information according to described the 3rd authorization information control display screen display, and described trading instruction is sent to described intelligent card chip;
The 4th comparing module, described the 4th described amount information of comparing module comparison is more than or equal to the 3rd threshold value, send the 4th comparison information to described control module, described control module is controlled described authentication unit according to described the 4th comparison information and carried out following operation: described authentication unit receives the password of keyboard input, judge described password correct and send the 3rd authorization information to described control module, described control module shows described amount information according to described the 3rd authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or described authentication unit receives the confirmation instruction of keyboard input and sends described the second authorization information to described control module, receive the password of keyboard input, judge described password correct and send described the 3rd authorization information to described control module, described control module shows described amount information according to described the second authorization information and described the 3rd authorization information control display screen display, and described trading instruction is sent to described intelligent card chip.
In addition, described smart card also comprises: switch; Described switch is arranged on described antenna, opens or close described antenna; Described safety chip connects described intelligent card chip and described antenna, and provides the communication path for described intelligent card chip when described antenna is opened.
In addition, described smart card also comprises: switch; Described switch connects described antenna and described safety chip, is communicated with or disconnects the connecting path of described antenna and described safety chip; Described safety chip connects described intelligent card chip, and provides the communication path for described intelligent card chip when described switch is closed.
In addition, described switch is mechanical switch.
In addition, described switch is electric switch, and described switch also connects described safety chip, receives the control signal of described safety chip with closure or openness.
In addition, described smart card also comprises: switch key; Described switch key is closed or disconnect described mechanical switch.
In addition, described smart card also comprises: switch key; Described switch key output steering order is to described safety chip, and described safety chip transmits control signal to control described electric switch closure or openness according to described steering order.
In addition, described safety chip is also controlled described intelligent card chip and is opened or lock, and provides the communication path for described intelligent card chip when described intelligent card chip is opened.
In addition, described smart card also comprises: switch key; Described switch key output steering order is to described safety chip, and described safety chip transmits control signal to control described intelligent card chip according to described steering order and opens or lock.
In addition, described smart card also comprises: USB interface, micro USB interface, audio interface or heterointerface.
In addition, described smart card also comprises: power supply, and for described smart card provides electric energy.
In addition, described safety chip is also signed to data, and the data after signing are sent out outward.
As seen from the above technical solution provided by the invention; a kind of smart card provided by the invention and smart card transaction control method; when card reader is concluded the business to smart card; owing to can the amount of money of swiping the card of card reader being compared with the predetermined threshold value that prestores by safety chip; thereby trading instruction is sent to intelligent card chip to carry out the transaction operation on the basis of comparison result; make smart card possess corresponding safety precautions; even if when completing block trade, also can guarantee the safety of concluding the business.
Description of drawings
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, during the below will describe embodiment, the accompanying drawing of required use is done to introduce simply, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, under the prerequisite of not paying creative work, can also obtain other accompanying drawings according to these accompanying drawings.
The structural representation of the smart card that Fig. 1 provides for the embodiment of the present invention 1;
The process flow diagram of the smart card transaction control method that Fig. 2 provides for the embodiment of the present invention 1;
A kind of structural representation of the smart card that Fig. 3 provides for the embodiment of the present invention 2;
The another kind of structural representation of the smart card that Fig. 4 provides for the embodiment of the present invention 2;
The structural representation of the smart card that Fig. 5 provides for the embodiment of the present invention 3;
The structural representation of the smart card that Fig. 6 provides for the embodiment of the present invention 4.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, rather than whole embodiment.Based on embodiments of the invention, those of ordinary skills belong to protection scope of the present invention not making the every other embodiment that obtains under the creative work prerequisite.
in description of the invention, it will be appreciated that, term " " center ", " vertically ", " laterally ", " on ", D score, " front ", " afterwards ", " left side ", " right side ", " vertically ", " level ", " top ", " end ", " interior ", orientation or the position relationship of indications such as " outward " are based on orientation shown in the drawings or position relationship, only the present invention for convenience of description and simplified characterization, rather than device or the element of indication or hint indication must have specific orientation, with specific orientation structure and operation, therefore can not be interpreted as limitation of the present invention.In addition, term " first ", " second " only are used for describing purpose, and can not be interpreted as indication or hint relative importance or quantity or position.
In description of the invention, need to prove, unless clear and definite regulation and restriction are separately arranged, term " installation ", " being connected ", " connection " should be done broad understanding, for example, can be to be fixedly connected with, and can be also to removably connect, or connect integratedly; Can be mechanical connection, can be also to be electrically connected to; Can be directly to be connected, also can indirectly be connected by intermediary, can be the connection of two element internals.For the ordinary skill in the art, can concrete condition understand above-mentioned term concrete meaning in the present invention.
Below in conjunction with accompanying drawing, the embodiment of the present invention is described in further detail.
Embodiment 1
Fig. 1 has shown the structural representation of a kind of smart card of the present invention, and referring to Fig. 1, smart card 10 comprises: safety chip 101, intelligent card chip 102 and antenna 103, wherein:
Safety chip 101 is resolved trading instruction and is obtained Transaction Information by the trading instruction that antenna 103 receives from card reader 20; Safety chip 101 judges whether comprise amount information in Transaction Information, if comprise amount information in Transaction Information, safety chip 101 is compared the predetermined threshold value and the amount information that prestore; Safety chip 101 is sent to intelligent card chip 102 according to comparison result with trading instruction, and intelligent card chip 102 is carried out the transaction operation according to trading instruction.
When card reader is concluded the business to smart card; owing to can the amount of money of swiping the card of card reader being compared with the predetermined threshold value that prestores by safety chip 101; thereby trading instruction is sent to intelligent card chip 102 to carry out the transaction operation on the basis of comparison result; make smart card possess corresponding safety precautions; even if when completing block trade, also can guarantee the safety of concluding the business.
Safety chip 101 connects respectively intelligent card chip 102 and antenna 103, safety chip 101 is except carrying out above-mentioned functions, also as the transparent transmission path between intelligent card chip 102 and antenna 103, in order to conclude the business between card reader 20 and intelligent card chip 102.
Preferably, safety chip 101 can further include: receiving element 1011, resolution unit 1012, judging unit 1013, comparing unit 1014 and control module 1015;
The trading instruction that receiving element 1011 receives from card reader 20 by antenna 103;
Resolution unit 1012 is resolved trading instruction and is obtained Transaction Information;
Judging unit 1013 judges whether comprise amount information in Transaction Information;
When comparing unit 1014 comprises amount information in judging unit 1013 is judged Transaction Information, the predetermined threshold value and the amount information that prestore are compared;
Control module 1015 is sent to intelligent card chip 102 according to comparison result with trading instruction.
Concrete, in the present embodiment, safety chip also comprises: authentication unit 1016;
Comparing unit 1014 is compared out amount information less than predetermined threshold value, sends the first comparison information to control module 1015, and control module 1015 is sent to intelligent card chip 102 according to the first comparison information with trading instruction;
Comparing unit 1014 is compared out amount information more than or equal to predetermined threshold value, send the second comparison information to control module 1015, control module 1015 is controlled authentication unit 1016 according to the second comparison information and is carried out verification operation, after authentication unit 1016 is completed verification operation, send authorization information to control module 1015, control module 1015 is sent to intelligent card chip 102 according to authorization information with trading instruction.
Thus, in the time of can guaranteeing that the amount of money of swiping the card in card reader is less than predetermined threshold value, card reader and smart card are directly carried out the transaction operation, the amount of money of swiping the card in card reader is during more than or equal to predetermined threshold value, at first to just can complete transaction by verification operation, make the safeguard of the transaction that smart card possesses, thereby guarantee the security of block trade.
In addition, smart card can further include: display screen 104 and/or keyboard 105, and wherein: display screen 104 can receive the demonstration information that safety chip 101 sends, and demonstration information is shown; Thereby guarantee that smart card can show the amount information of swiping the card, so that the user confirms.Keyboard 105 can be to safety chip 101 input messages, and for example the user presses the confirmation button in lower keyboard 105, and with to safety chip 101 input validation instructions, perhaps the user presses numerical key in lower keyboard 105 etc., with to safety chip 101 input passwords; Thereby guarantee that the user can by keyboard 105 to safety chip 101 input validation instruction and passwords, further improve the security of the transaction of swiping the card.Certainly, the user can also by the cancellation button in lower keyboard 105, to cancel instruction to safety chip 101 inputs, Cancel Transaction with the indicating intelligent card.
On this basis, authentication unit 1016 comprises the combination of following a kind of module or several modules at least, in order to carry out verification operation: the first authentication module, the second authentication module, the 3rd authentication module; Be that authentication unit 1016 can comprise any authentication module in the first authentication module, the second authentication module, the 3rd authentication module, also can comprise any two authentication modules in the first authentication module, the second authentication module, the 3rd authentication module, can also comprise the first authentication module, the second authentication module, three authentication modules of the 3rd authentication module.
The first authentication module, the first authentication module send the first authorization information to control module 1015, and control module 1015 shows amount information according to the first authorization information control display screen 104;
The second authentication module, the second authentication module receives the confirmation instruction of keyboard 106 inputs, and sends the second authorization information to control module 1015;
The 3rd authentication module, the 3rd authentication module receives the password of keyboard 106 inputs, judges password correct, and sends the 3rd authorization information to control module 1015.
Certainly, if the second authentication module receives the confirmation instruction of keyboard 105 inputs, and when sending the second authorization information to control module 1015, control module 1015 can also control display screen 104 shows confirms the input prompt information, so that the prompting user confirms operation; If the 3rd authentication module receives the password of keyboard 105 inputs, judge password correct, and when sending the 3rd authorization information to control module 1015, control module 1015 can also control display screen 104 display reminding Password Input information, so that the prompting user inputs password.
Certainly, authentication unit 1016 of the present invention is not limited to this, and of above three authentication modules or the operation of its combination in any execution also can be completed by a module.
After authentication unit 1016 is completed verification operation, send authorization information to control module 1015, control module 1015 is carried out following operation according to authorization information: the control display screen display is shown amount information, and trading instruction is sent to intelligent card chip 102 etc.Thereby in the present embodiment, control module 1015 can comprise at least as lower module:
The first control module, the first control module receives the first authorization information that the first authentication module sends, and shows amount information according to the first authorization information control display screen display, and trading instruction is sent to intelligent card chip; Or
The second control module, the second control module receives the second authorization information that the second authentication module sends, and according to the second authorization information, trading instruction is sent to intelligent card chip; Or
The 3rd control module, the 3rd control module receives the 3rd authorization information that the 3rd authentication module sends, and according to the second authorization information, trading instruction is sent to intelligent card chip according to the 3rd authorization information; Or
The 4th control module, the 4th control module receives the first authorization information of the first control module transmission and the second authorization information that the second control module sends, and show amount information according to the first authorization information and the second authorization information control display screen display, trading instruction is sent to intelligent card chip; Or
The 5th control module, the 5th control module receives the first authorization information of the first control module transmission and the 3rd authorization information that the 3rd control module sends, and show amount information according to the first authorization information and the 3rd authorization information control display screen display, trading instruction is sent to intelligent card chip; Or
The 6th control module, the 6th control module receive the second authorization information of the second control module transmission and the 3rd authorization information that the 3rd control module sends, and according to the second authorization information and the 3rd authorization information, trading instruction are sent to intelligent card chip; Or
The 7th control module, the 7th control module receives the first authorization information and the second authorization information of the second control module transmission and the 3rd authorization information that the 3rd control module sends that the first control module sends, and show amount information according to the first authorization information, the second authorization information and the 3rd authorization information control display screen display, trading instruction is sent to intelligent card chip.
Certainly, above control module Receipt Validation sequence of information, and can select arbitrarily according to the order of each authorization information execution corresponding operating; If each control module is received the second authorization information, can also show confirmation input prompt information by control display screen 104, so that the prompting user confirms operation; If each control module is received the 3rd authorization information, can also shield 104 display reminding Password Input information by control display, so that the prompting user inputs password.
On the architecture basics of the smart card that Fig. 1 shows, Fig. 2 has shown the smart card transaction control method of the present embodiment, and the method comprises:
S201, safety chip is by the trading instruction of antenna reception from card reader;
Concrete, safety chip connects antenna and intelligent card chip, as the transparent transmission path between intelligent card chip and antenna, will receive from the trading instruction of card reader.
S202, safety chip is resolved trading instruction and is obtained Transaction Information;
Concrete, when operation is swiped the card in execution, comprising Transaction Information in the trading instruction from card reader, safety chip is resolved trading instruction and is obtained Transaction Information, thus the information that comprises in convenient judgement Transaction Information.
S203, safety chip judge whether comprise amount information in Transaction Information;
Concrete, safety chip judges whether comprise amount information in Transaction Information, if comprise amount information, and execution in step S204, otherwise only as the transparent transmission path between intelligent card chip and antenna, trading instruction is sent to intelligent card chip.
S204, if comprise amount information in Transaction Information, safety chip is compared the predetermined threshold value and the amount information that prestore;
Concrete, safety chip can judge whether this transaction belongs to the block trade over predetermined threshold value according to the amount information that comprises in Transaction Information, if be block trade, needs to carry out verification operation to guarantee the security of block trade.
S205, safety chip is sent to intelligent card chip according to comparison result with trading instruction;
Concrete, if comparison result be amount information less than predetermined threshold value, safety chip directly will be sent to intelligent card chip from the trading instruction of card reader; If comparison result be amount information more than or equal to predetermined threshold value, safety chip is carried out verification operation, after completing verification operation, trading instruction is sent to intelligent card chip.
Safety chip is carried out the combination that verification operation comprises following a kind of operation or several operations:
Safety chip control display screen display is shown amount information; Safety chip receives the confirmation instruction of keyboard input; Safety chip receives the password of keyboard input, judges password correct.
Namely, comparing out this time transaction when surpassing the block trade of predetermined threshold value, safety chip can the control display screen display show amount information, checks this amount of money so that the user to be provided, and trading instruction is sent to intelligent card chip completes transaction; Can also receive the confirmation instruction that the user inputs by keyboard, for example the user presses acknowledgement key and confirms that this transaction is true, and trading instruction is sent to intelligent card chip completes transaction, can also receive the password that the user inputs by keyboard, and judge password correct after, trading instruction is sent to intelligent card chip completes transaction; Certainly, the user can also be by the cancellation button in lower keyboard, and to cancel instruction to the safety chip input, safety chip indicating intelligent card again Cancels Transaction.
Certainly, three kinds of verification operations that above safety chip is carried out can combination in any, for example can adopt following any operation:
(1) safety chip control display screen display is shown amount information;
(2) safety chip receives the confirmation instruction of keyboard input;
(3) safety chip receives the password of keyboard input, judges password correct;
(4) safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input;
(5) safety chip receives the confirmation instruction of keyboard input, and the control display screen display is shown amount information;
(6) safety chip control display screen display is shown amount information, receives the password of keyboard input, judges password correct;
(7) safety chip receives the password of keyboard input, judges password correct, and the control display screen display is shown amount information;
(8) safety chip receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges password correct;
(9) safety chip receives the password of keyboard input, judges password correct, receives the confirmation instruction of keyboard input;
(10) safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges password correct;
(11) safety chip control display screen display is shown amount information, receives the password of keyboard input, judges password correct, receives the confirmation instruction of keyboard input;
(12) safety chip receives the confirmation instruction of keyboard input, and the control display screen display is shown amount information, receives the password of keyboard input, judges password correct;
(13) safety chip receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges password correct, and the control display screen display is shown amount information;
(14) safety chip receives the password of keyboard input, judges password correct, and the control display screen display is shown amount information, receives the confirmation instruction of keyboard input;
(15) safety chip receives the password of keyboard input, judges password correct, receives the confirmation instruction of keyboard input, and the control display screen display is shown amount information.
Certainly, if safety chip receives the confirmation instruction of keyboard input, safety chip can also the control display screen display show confirmation input prompt information, so that the prompting user confirms operation; If safety chip receives the password of keyboard input, safety chip can also the control display screen display show the prompt cipher input message, so that the prompting user inputs password.
S206, intelligent card chip is carried out the transaction operation according to trading instruction.
This shows; adopt smart card transaction control method of the present invention; when card reader is concluded the business to smart card; owing to can the amount of money of swiping the card of card reader being compared with the predetermined threshold value that prestores by safety chip; thereby trading instruction is sent to intelligent card chip to carry out the transaction operation on the basis of comparison result; make smart card possess corresponding safety precautions, even if when completing block trade, also can guarantee the safety of concluding the business.
Certainly, be understandable that, in the present embodiment, smart card can also comprise: power supply, this power supply provides electric energy for smart card.
Smart card can also comprise: USB interface, micro USB interface, audio interface or heterointerface, in order to power by interface, perhaps carry out data transmission.
The safety chip of smart card can also be signed to Transaction Information, and the Transaction Information after signing sends to transaction terminal outward, terminals such as PC, mobile phone, notebook computer, panel computer, thus make this smart card realize the function of electric signing tools.
Embodiment 2
The difference of the present embodiment and embodiment 1 is, in the present embodiment, smart card also comprises: switch 106;
Referring to Fig. 3, switch 106 can be arranged on antenna, opens or close antenna; Safety chip 101 connects intelligent card chip 102 and antenna 103, and provides the communication path for intelligent card chip when antenna is opened.
Referring to Fig. 4, switch 106 connects antenna 103 and safety chip 101, is communicated with or disconnects the connecting path of antenna 103 and safety chip 101; Safety chip 101 connects intelligent card chip 102 and antenna 103, and provides the communication path for intelligent card chip when switch 106 is closed.
certainly, switch 106 can be mechanical switch, and certainly, when being mechanical switch, smart card can also comprise a switch key, and the user is closed or disconnection mechanical switch by switch key, and is user-friendly, switch 106 also can be electric switch, during for electric switch, switch 106 also connects safety chip 101, receive the control signal of safety chip 101 with closure or openness, for example, can control by the control module 1015 of safety chip 101, a control module can also be set separately in safety chip 101 to be controlled, certainly, when being electric switch, smart card also can comprise a switch key, the user exports steering order to safety chip 101 by switch key, safety chip 101 transmits control signal to control this electric switch closure or openness according to steering order, user-friendly.
Certainly, safety chip 101 can also be controlled intelligent card chip and open or lock, and when opening, intelligent card chip provides the communication path for intelligent card chip, certainly, safety chip 101 can receive the steering order of the switch key output of smart card, transmit control signal to control intelligent card chip according to steering order and open or lock, user-friendly.
The smart card transaction control method of the present embodiment is compared with the method for embodiment 1, and its difference is: at step S201, safety chip is by before the step of antenna reception from the trading instruction of card reader, and the method also comprises:
By the switch open antenna; Or
The connecting path that is communicated with antenna and safety chip by switch; Or
Steering order by safety chip is opened intelligent card chip.
At step S206, after intelligent card chip was carried out the easy-operating step of friendship according to trading instruction, the method also comprised:
Close antenna by switch; Or
Disconnect the connecting path of antenna and safety chip by switch; Or
Steering order locking intelligent card chip by safety chip.
Can guarantee thus before concluding the business, after perhaps transaction was finished, the user can close antenna, forbids that perhaps card reader by concluding the business between antenna and intelligent card chip, can prevent the stolen brush of smart card thus, guaranteed the safety of transaction.
Embodiment 3
The present embodiment is compared with embodiment 1 or embodiment 2, and its difference is to have set two threshold values compares for safety chip, thereby can improve step by step the security of transaction.
The present embodiment Fig. 5 describes the structure of comparing unit 1014 take embodiment 1 as the basis, and comparing unit 1014 can comprise:
The first comparing module 10141, the first comparing module 10141 comparison amount information send the first comparison information to control module 1015 less than first threshold, and control module 1015 is sent to intelligent card chip 102 according to the first comparison information with trading instruction;
The second comparing module 10142, the second comparing module comparison amount information is more than or equal to first threshold and less than Second Threshold, send the second comparison information to control module 1015, control module 1015 is controlled authentication unit 1016 according to the second comparison information and is carried out following operation:
Authentication unit 1016 receives the confirmation instruction of keyboard 105 inputs and sends the first authorization information to control module 1015, and control module 1015 shows amount information according to the first authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the password of keyboard 105 inputs, judge password correct and send the second authorization information to control module 1015, control module 1015 shows amount information according to the second authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102;
The 3rd comparing module 10143, the three comparing module comparison amount information send the 3rd comparison information to control module 1015 more than or equal to Second Threshold, and control module 1015 is controlled authentication unit 1016 according to the 3rd comparison information and carried out following operation:
Authentication unit 1016 receives the password of keyboard 105 inputs, judge password correct and send the first authorization information to control module 1015, control module 1015 shows amount information according to the first authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the confirmation instruction of keyboard input and sends the first authorization information to control module 1015, receive the password of keyboard 105 inputs, judge password correct and send the second authorization information to control module 1015, control module shows amount information according to the first authorization information and the second authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102.
Certainly, the present embodiment can also describe the structure of comparing unit take embodiment 2 as the basis, gives unnecessary details no longer one by one at this.
In smart card transaction control method, the step that trading instruction is sent to intelligent card chip is specifically comprised the steps: according to comparison result at safety chip
If comparison result be amount information less than first threshold, safety chip is sent to intelligent card chip with trading instruction;
If comparison result is that amount information is more than or equal to first threshold and less than Second Threshold,
Safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input, and trading instruction is sent to intelligent card chip; Or
Safety chip control display screen display is shown amount information, receives the password of keyboard input, judges password correct, and trading instruction is sent to intelligent card chip;
If comparison result is that amount information is more than or equal to Second Threshold,
Safety chip control display screen display is shown amount information, receives the password of keyboard input, judges password correct, and trading instruction is sent to intelligent card chip; Or
Safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges password correct, and trading instruction is sent to intelligent card chip.
Embodiment 4
The present embodiment is compared with embodiment 1 or embodiment 2, and its difference is to have set three threshold values compares for safety chip, thereby can further improve step by step the security of transaction.
The present embodiment Fig. 6 describes the structure of comparing unit 1014 take embodiment 1 as the basis, and comparing unit 1014 can comprise:
The first comparing module 10141, the first comparing module 10141 comparison amount information send the first comparison information to control module 1015 less than first threshold, and control module 1015 is sent to intelligent card chip 102 according to the first comparison information with trading instruction;
The second comparing module 10142, the second comparing module 10142 comparison amount information are more than or equal to first threshold and less than Second Threshold, send the second comparison information to control module 1015, control module 1015 is controlled authentication unit 1016 according to the second comparison information and is carried out following operation:
Authentication unit 1016 sends the first authorization information to control module 1015, and control module 1015 shows amount information according to the first authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the confirmation instruction of keyboard 105 inputs and sends the second authorization information to control module 1015, and control module 1015 shows amount information according to the second authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102; Or
The 3rd comparing module 10143, the 3rd comparing module 10143 comparison amount information are more than or equal to Second Threshold and less than the 3rd threshold value, send the 3rd comparison information to control module 1015, control module 1015 is controlled authentication unit 1016 according to the 3rd comparison information and is carried out following operation:
Authentication unit 1016 receives the confirmation instruction of keyboard 105 inputs and sends the second authorization information to control module 1015, and control module 1015 shows amount information according to the second authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the password of keyboard 105 inputs, judge password correct and send the 3rd authorization information to control module 1015, control module 1015 shows amount information according to the 3rd authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102;
The 4th comparing module 10144, the four comparing module 10144 comparison amount information send the 4th comparison information to control module 1015 more than or equal to the 3rd threshold value, and control module 1015 is controlled authentication unit 1016 according to the 4th comparison information and carried out following operation:
Authentication unit 1016 receives the password of keyboard 105 inputs, judge password correct and send the 3rd authorization information to control module 1015, control module 1015 shows amount information according to the 3rd authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102; Or
Authentication unit 1016 receives the confirmation instruction of keyboard 105 inputs and sends the second authorization information to control module 1015, receive the password of keyboard 105 inputs, judge password correct and send the 3rd authorization information to control module 1015, control module 1015 shows amount information according to the second authorization information and the 3rd authorization information control display screen 104, and trading instruction is sent to intelligent card chip 102.
Certainly, the present embodiment can also describe the structure of comparing unit take embodiment 2 as the basis, gives unnecessary details no longer one by one at this.
In smart card transaction control method, the step that trading instruction is sent to intelligent card chip is specifically comprised the steps: according to comparison result at safety chip
If comparison result be amount information less than first threshold, safety chip is sent to intelligent card chip with trading instruction;
If comparison result is that amount information is more than or equal to first threshold and less than Second Threshold,
Safety chip control display screen display is shown amount information, and trading instruction is sent to intelligent card chip; Or
Safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input, and trading instruction is sent to intelligent card chip;
If comparison result is that amount information is more than or equal to Second Threshold and less than the 3rd threshold value,
Safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input, and trading instruction is sent to intelligent card chip; Or
Safety chip control display screen display is shown amount information, receives the password of keyboard input, judges password correct, and trading instruction is sent to intelligent card chip;
If comparison result is that amount information is more than or equal to the 3rd threshold value,
Safety chip control display screen display is shown amount information, receives the password of keyboard input, judges password correct, and trading instruction is sent to intelligent card chip; Or
Safety chip control display screen display is shown amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges password correct, and trading instruction is sent to intelligent card chip.
Describe and to be understood in process flow diagram or in this any process of otherwise describing or method, expression comprises module, fragment or the part of code of the executable instruction of the step that one or more is used to realize specific logical function or process, and the scope of the preferred embodiment of the present invention comprises other realization, wherein can be not according to order shown or that discuss, comprise according to related function by the mode of basic while or by opposite order, carry out function, this should be understood by the embodiments of the invention person of ordinary skill in the field.
Should be appreciated that each several part of the present invention can realize with hardware, software, firmware or their combination.In the above-described embodiment, a plurality of steps or method can realize with being stored in storer and by software or firmware that suitable instruction execution system is carried out.For example, if realize with hardware, the same in another embodiment, can realize with any one in following technology well known in the art or their combination: have for data-signal being realized the discrete logic of the logic gates of logic function, special IC with suitable combinational logic gate circuit, programmable gate array (PGA), field programmable gate array (FPGA) etc.
Those skilled in the art are appreciated that and realize that all or part of step that above-described embodiment method is carried is to come the relevant hardware of instruction to complete by program, described program can be stored in a kind of computer-readable recording medium, this program comprises step of embodiment of the method one or a combination set of when carrying out.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, can be also that the independent physics of unit exists, and also can be integrated in a module two or more unit.Above-mentioned integrated module both can adopt the form of hardware to realize, also can adopt the form of software function module to realize.If described integrated module realizes with the form of software function module and during as independently production marketing or use, also can be stored in a computer read/write memory medium.
The above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.
In the description of this instructions, the description of reference term " embodiment ", " some embodiment ", " example ", " concrete example " or " some examples " etc. means to be contained at least one embodiment of the present invention or example in conjunction with specific features, structure, material or the characteristics of this embodiment or example description.In this manual, the schematic statement of above-mentioned term not necessarily referred to identical embodiment or example.And the specific features of description, structure, material or characteristics can be with suitable mode combinations in any one or more embodiment or example.
Although the above has illustrated and has described embodiments of the invention, be understandable that, above-described embodiment is exemplary, can not be interpreted as limitation of the present invention, those of ordinary skill in the art is not in the situation that break away from principle of the present invention and aim can change above-described embodiment within the scope of the invention, modification, replacement and modification.Scope of the present invention is by claims and be equal to and limit.

Claims (28)

1. a smart card transaction control method, is characterized in that, described method comprises:
Safety chip is by the trading instruction of antenna reception from card reader;
Described safety chip is resolved described trading instruction and is obtained Transaction Information;
Described safety chip judges whether comprise amount information in described Transaction Information;
If comprise described amount information in described Transaction Information, described safety chip is compared the predetermined threshold value and the described amount information that prestore;
Described safety chip is sent to described intelligent card chip according to comparison result with described trading instruction;
Described intelligent card chip is carried out the transaction operation according to described trading instruction.
2. method according to claim 1, is characterized in that, described safety chip comprises according to comparison result the step that described trading instruction is sent to described intelligent card chip:
If comparison result be described amount information less than predetermined threshold value, described safety chip is sent to described intelligent card chip with described trading instruction;
If comparison result be described amount information more than or equal to predetermined threshold value, described safety chip is carried out verification operation, after completing described verification operation, described trading instruction is sent to described intelligent card chip.
3. method according to claim 2, is characterized in that, described safety chip is carried out the combination that verification operation comprises following a kind of operation or several operations:
Described safety chip control display screen display is shown described amount information; Described safety chip receives the confirmation instruction of keyboard input; Described safety chip receives the password of keyboard input, judges described password correct.
4. method according to claim 3, is characterized in that,
If the verification operation that described safety chip is carried out comprises described safety chip and receives the step of the confirmation instruction of keyboard input, also comprises before described safety chip is carried out the step of verification operation: described safety chip control display screen display is shown confirmation input prompt information;
If the verification operation that described safety chip is carried out comprises described safety chip and receive the password of keyboard input and judge the correct step of described password, also comprise before described safety chip is carried out the step of verification operation: described safety chip control display screen display is shown the prompt cipher input message.
5. method according to claim 3, is characterized in that, described safety chip is carried out verification operation and comprised:
Described safety chip control display screen display is shown described amount information; Or
Described safety chip receives the confirmation instruction of keyboard input; Or
Described safety chip receives the password of keyboard input, judges described password correct; Or
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input; Or
Described safety chip receives the confirmation instruction of keyboard input, and the control display screen display is shown described amount information; Or
Described safety chip control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct; Or
Described safety chip receives the password of keyboard input, judges described password correct, and the control display screen display is shown described amount information; Or
Described safety chip receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct; Or
Described safety chip receives the password of keyboard input, judges described password correct, receives the confirmation instruction of keyboard input; Or
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct; Or
Described safety chip control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct, receives the confirmation instruction of keyboard input; Or
Described safety chip receives the confirmation instruction of keyboard input, and the control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct; Or
Described safety chip receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct, and the control display screen display is shown described amount information; Or
Described safety chip receives the password of keyboard input, judges described password correct, and the control display screen display is shown described amount information, receives the confirmation instruction of keyboard input; Or
Described safety chip receives the password of keyboard input, judges described password correct, receives the confirmation instruction of keyboard input, and the control display screen display is shown described amount information.
6. method according to claim 1, is characterized in that, described safety chip comprises according to comparison result the step that described trading instruction is sent to described intelligent card chip:
If comparison result be described amount information less than first threshold, described safety chip is sent to described intelligent card chip with described trading instruction;
If comparison result is that described amount information is more than or equal to first threshold and less than Second Threshold,
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip;
If comparison result is that described amount information is more than or equal to Second Threshold,
Described safety chip control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip.
7. method according to claim 1, is characterized in that, described safety chip comprises according to comparison result the step that described trading instruction is sent to described intelligent card chip:
If comparison result be described amount information less than first threshold, described safety chip is sent to described intelligent card chip with described trading instruction;
If comparison result is that described amount information is more than or equal to first threshold and less than Second Threshold,
Described safety chip control display screen display is shown described amount information, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, and described trading instruction is sent to described intelligent card chip;
If comparison result is that described amount information is more than or equal to Second Threshold and less than the 3rd threshold value,
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip;
If comparison result is that described amount information is more than or equal to the 3rd threshold value,
Described safety chip control display screen display is shown described amount information, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip; Or
Described safety chip control display screen display is shown described amount information, receives the confirmation instruction of keyboard input, receives the password of keyboard input, judges described password correct, and described trading instruction is sent to described intelligent card chip.
8. according to claim 1-7 described methods of any one, is characterized in that, before described safety chip was by the step of antenna reception from the trading instruction of card reader, described method also comprised:
By the described antenna of switch open; Or
The connecting path that is communicated with described antenna and described safety chip by switch; Or
Steering order by safety chip is opened described intelligent card chip.
9. according to claim 1-7 described methods of any one, is characterized in that, after described intelligent card chip was carried out the easy-operating step of friendship according to described trading instruction, described method also comprised:
Close described antenna by switch; Or
Disconnect the connecting path of described antenna and described safety chip by switch; Or
The described intelligent card chip of steering order locking by safety chip.
10. a smart card, is characterized in that, described smart card comprises: safety chip, intelligent card chip and antenna;
Safety chip is resolved described trading instruction and is obtained Transaction Information by the trading instruction of antenna reception from card reader;
Described safety chip judges whether comprise amount information in described Transaction Information, if comprise described amount information in described Transaction Information, described safety chip is compared the predetermined threshold value and the described amount information that prestore;
Described safety chip is sent to described intelligent card chip according to comparison result with described trading instruction;
Described intelligent card chip is carried out the transaction operation according to described trading instruction.
11. smart card according to claim 10 is characterized in that, described safety chip comprises: receiving element, resolution unit, judging unit, comparing unit and control module;
Described receiving element is by the trading instruction of antenna reception from card reader;
Described resolution unit is resolved described trading instruction and is obtained Transaction Information;
Whether comprise amount information in the described Transaction Information of described judgment unit judges;
Described comparing unit goes out when comprising described amount information in described Transaction Information in described judgment unit judges, and the predetermined threshold value and the described amount information that prestore are compared;
Described control module is sent to described intelligent card chip according to comparison result with described trading instruction.
12. smart card according to claim 11 is characterized in that, described safety chip also comprises: authentication unit;
The described amount information of described comparing unit comparison sends the first comparison information to described control module less than predetermined threshold value, and described control module is sent to described intelligent card chip according to described the first comparison information with described trading instruction;
The described amount information of described comparing unit comparison is more than or equal to predetermined threshold value, send the second comparison information to described control module, described control module is controlled described authentication unit according to described the second comparison information and is carried out verification operation, after described authentication unit is completed described verification operation, send authorization information to described control module, described control module is sent to described intelligent card chip according to described authorization information with described trading instruction.
13. smart card according to claim 12 is characterized in that, described smart card also comprises: display screen and/or keyboard;
Described display screen receives the demonstration information of described safety chip, and described demonstration information is shown; And/or
Described keyboard is to described safety chip input message;
Described authentication unit comprises the combination of following a kind of module or several modules at least:
The first authentication module, described the first authentication module sends the first authorization information to described control module, and described control module shows described amount information according to described the first authorization information control display screen display;
The second authentication module, described the second authentication module receives the confirmation instruction of keyboard input, and sends the second authorization information to described control module;
The 3rd authentication module, described the 3rd authentication module receives the password of keyboard input, judges described password correct, and sends the 3rd authorization information to described control module.
14. smart card according to claim 13 is characterized in that,
If described safety chip comprises the second authentication module, described control module also the control display screen display show and confirm input prompt information;
If described safety chip comprises the 3rd authentication module, described control module also the control display screen display show the prompt cipher input message.
15. smart card according to claim 13 is characterized in that, described control module comprises at least:
The first control module, described the first control module receives described the first authorization information that described the first authentication module sends, and shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
The second control module, described the second control module receives described the second authorization information that described the second authentication module sends, and according to described the second authorization information, described trading instruction is sent to described intelligent card chip; Or
The 3rd control module, described the 3rd control module receives described the 3rd authorization information that described the 3rd authentication module sends, and according to described the second authorization information, described trading instruction is sent to described intelligent card chip according to described the 3rd authorization information; Or
The 4th control module, described the 4th control module receives described first authorization information of described the first control module transmission and described the second authorization information that described the second control module sends, and show described amount information according to described the first authorization information and described the second authorization information control display screen display, described trading instruction is sent to described intelligent card chip; Or
The 5th control module, described the 5th control module receives described first authorization information of described the first control module transmission and described the 3rd authorization information that described the 3rd control module sends, and show described amount information according to described the first authorization information and described the 3rd authorization information control display screen display, described trading instruction is sent to described intelligent card chip; Or
The 6th control module, described the 6th control module receives described second authorization information of described the second control module transmission and described the 3rd authorization information that described the 3rd control module sends, and according to described the second authorization information and described the 3rd authorization information, described trading instruction is sent to described intelligent card chip; Or
The 7th control module, described the 7th control module receives described the first authorization information and described second authorization information of described the second control module transmission and described the 3rd authorization information that described the 3rd control module sends that described the first control module sends, and show described amount information according to described the first authorization information, described the second authorization information and described the 3rd authorization information control display screen display, described trading instruction is sent to described intelligent card chip.
16. smart card according to claim 11 is characterized in that, described comparing unit comprises:
The first comparing module, described the first described amount information of comparing module comparison sends the first comparison information to described control module less than first threshold, and described control module is sent to described intelligent card chip according to described the first comparison information with described trading instruction;
The second comparing module, described the second described amount information of comparing module comparison is more than or equal to first threshold and less than Second Threshold, send the second comparison information to described control module, described control module is controlled described authentication unit according to described the second comparison information and is carried out following operation:
Described authentication unit receives the confirmation instruction of keyboard input and sends the first authorization information to described control module, described control module shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the password of keyboard input, judge described password correct and send the second authorization information to described control module, described control module shows described amount information according to described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip;
The 3rd comparing module, described the 3rd described amount information of comparing module comparison sends the 3rd comparison information to described control module more than or equal to Second Threshold, and described control module is controlled described authentication unit according to described the 3rd comparison information and is carried out following operation:
Described authentication unit receives the password of keyboard input, judge described password correct and send described the first authorization information to described control module, described control module shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the confirmation instruction of keyboard input and sends described the first authorization information to described control module, receive the password of keyboard input, judge described password correct and send the second authorization information to described control module, described control module shows described amount information according to described the first authorization information and described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip.
17. smart card according to claim 11 is characterized in that, described comparing unit comprises:
The first comparing module, described the first described amount information of comparing module comparison sends the first comparison information to described control module less than first threshold, and described control module is sent to described intelligent card chip according to described the first comparison information with described trading instruction;
The second comparing module, described the second described amount information of comparing module comparison is more than or equal to first threshold and less than Second Threshold, send the second comparison information to described control module, described control module is controlled described authentication unit according to described the second comparison information and is carried out following operation:
Described authentication unit sends the first authorization information to described control module, and described control module shows described amount information according to described the first authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the confirmation instruction of keyboard input and sends the second authorization information to described control module, described control module shows described amount information according to described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
The 3rd comparing module, described the 3rd described amount information of comparing module comparison is more than or equal to Second Threshold and less than the 3rd threshold value, send the 3rd comparison information to described control module, described control module is controlled described authentication unit according to described the 3rd comparison information and is carried out following operation:
Described authentication unit receives the confirmation instruction of keyboard input and sends described the second authorization information to described control module, described control module shows described amount information according to described the second authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the password of keyboard input, judge described password correct and send described the 3rd authorization information to described control module, described control module shows described amount information according to described the 3rd authorization information control display screen display, and described trading instruction is sent to described intelligent card chip;
The 4th comparing module, described the 4th described amount information of comparing module comparison sends the 4th comparison information to described control module more than or equal to the 3rd threshold value, and described control module is controlled described authentication unit according to described the 4th comparison information and is carried out following operation:
Described authentication unit receives the password of keyboard input, judge described password correct and send the 3rd authorization information to described control module, described control module shows described amount information according to described the 3rd authorization information control display screen display, and described trading instruction is sent to described intelligent card chip; Or
Described authentication unit receives the confirmation instruction of keyboard input and sends described the second authorization information to described control module, receive the password of keyboard input, judge described password correct and send described the 3rd authorization information to described control module, described control module shows described amount information according to described the second authorization information and described the 3rd authorization information control display screen display, and described trading instruction is sent to described intelligent card chip.
18. according to claim 10-17 described smart cards of any one is characterized in that described smart card also comprises: switch;
Described switch is arranged on described antenna, opens or close described antenna;
Described safety chip connects described intelligent card chip and described antenna, and provides the communication path for described intelligent card chip when described antenna is opened.
19. according to claim 10-17 described smart cards of any one is characterized in that described smart card also comprises: switch;
Described switch connects described antenna and described safety chip, is communicated with or disconnects the connecting path of described antenna and described safety chip;
Described safety chip connects described intelligent card chip, and provides the communication path for described intelligent card chip when described switch is closed.
20. according to claim 18 or 19 described smart cards is characterized in that, described switch is mechanical switch.
21. according to claim 18 or 19 described smart cards is characterized in that, described switch is electric switch, and described switch also connects described safety chip, receives the control signal of described safety chip with closure or openness.
22. smart card according to claim 20 is characterized in that, described smart card also comprises: switch key;
Described switch key is closed or disconnect described mechanical switch.
23. smart card according to claim 21 is characterized in that, described smart card also comprises: switch key;
Described switch key output steering order is to described safety chip, and described safety chip transmits control signal to control described electric switch closure or openness according to described steering order.
24. according to claim 10-17 described smart cards of any one is characterized in that, described safety chip is also controlled described intelligent card chip and is opened or lock, and provides the communication path for described intelligent card chip when described intelligent card chip is opened.
25. smart card according to claim 24 is characterized in that, described smart card also comprises: switch key;
Described switch key output steering order is to described safety chip, and described safety chip transmits control signal to control described intelligent card chip according to described steering order and opens or lock.
26. according to claim 10-17 described smart cards of any one is characterized in that, described smart card also comprises: USB interface, micro USB interface, audio interface or heterointerface.
27. according to claim 10-17 described smart cards of any one is characterized in that, described smart card also comprises: power supply, and for described smart card provides electric energy.
28. according to claim 10-17 described smart cards of any one is characterized in that described safety chip is also signed to data, and the data after signing are sent out outward.
CN201210557345.8A 2012-12-20 2012-12-20 smart card and smart card transaction control method Active CN103136857B (en)

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