I. Introduction
The city card is not only used in urban transportation areas such as public transportation, subway, taxis, and parking lots, but also covers areas such as water, electricity, gas, and financial services that are closely related to citizens' lives. According to the survey, nearly 90% of the city's IC card applications have been extended to small-scale consumer shopping malls, supermarkets, convenience stores, catering, fitness, theater applications; utilities such as tap water, gas, and heat, and communications. Access control of the digital community, management of parking lots, and application of garden attraction tickets.
Online trading is a high-end application for the development of the city Tongka. Under the premise of simple public transportation payment, off-line transactions are generally quick and convenient. However, once they enter the life micropayment application, there will be problems of capital security and timeliness of liquidation in the complete offline transactions. This forced the passcard companies to establish an online trading system based on their own needs.
The Ministry of Housing and Urban-Rural Development has designed and developed the “IC Card Key Management System for Construction Business†and “CA System for Urban Construction and Public Service†to ensure the security of online payment authentication and key transmission. These two systems It constitutes the security system of IC cards in the fields of housing and urban-rural development.
Under the above background, there is an urgent need to be able to realize the city's one-card online payment solution, and to realize the application of the city's one-card recharge and online payment.
SHC1515 city card online transaction terminal application implements balance inquiry, on-line recharging function, and can also realize online payment function. It is a terminal solution for urban card online payment system. Greatly facilitated the use of the city's card, to avoid the queuing problem of window recharge. For Tongka, it reduced service pressure, reduced investment and operating costs at service outlets, and facilitated the development of new businesses for Tongka.
Two system topologies
The terminal holder connects the online payment terminal to the home computer and connects the online payment system via the Internet. The terminal holder interacts with the back-end online payment system using the online payment terminal swipe card to complete the payment function on the browser interface. The back-end system can connect banks, merchants, utilities, and city card interfaces to achieve a rich business portfolio.
Three SHC1515 City Card Online Payment Terminal Solution Chip Introduction
Safe non-reading and writing chip SHC1515 built-in 8051 core, provides RSA encryption coprocessor, DES/3DES hardware algorithm, stream encryption processor, true random number generator, 168kFlash memory, 4KSRAM, with USB2.0 full-speed interface, 7816 Interfaces, SPI interfaces, and RF transceivers that support the ISO14443 typeA standard.
Hardware composition
The city's single-card payment terminal uses a single-chip solution with SHC1515 as its core. Due to the high degree of integration of the SHC515, the solution requires only a few peripheral devices. The main peripheral circuits are: (1) The power supply scheme is powered by USB, magnetic bead can be used to eliminate noise between the RF circuit and the digital circuit power supply, and (2) the RC network is adjusted. RF reader and built-in antenna matching parameters. The terminal senses and reads and writes the IC card through the inner ring antenna, and communicates with the PC through the USB interface. The hardware framework of the terminal is shown in Figure 2.
Software Architecture
The software architecture of the terminal is shown in Table 3. Terminal COS supports digital certificate encryption and decryption, SAM function (optional built-in SAM or external PSAM) and download of support service programs. The user PC interface is based on the universal WEB browser. The OCX control handles the user request. The CSP program invokes the terminal certificate authentication protection function. The PC/SC universal driver provides the hardware interface. The online business payment system server mainly provides service database, certificate database, account database and WEB application service.
SHC1515 can ensure the safety of online payment transactions
The Ministry of Housing and Urban-Rural Development has designed and developed the "IC Card Key Management System for Construction Business" and the "CA System for Urban Construction and Public Service." The features and software architecture of the SHC1515 are in line with the planning of the online payment system for the Urban Card of the Ministry of Housing and Urban-Rural Development. The built-in RSA supports the PKI system and can completely guarantee the security of transactions, which is mainly reflected in:
l When accessing the system, the RSA within the SHC1515 fully supports the required authentication.
l When the transaction occurs, the SHC1515 City Card Payment Terminal signs the transaction data through the built-in private key. The card system verifies whether the transaction data and card information have been tampered with the public key. The card system uses its own private key pair transaction permission information and transaction key. Signing, the city card payment terminal to verify the validity of the returned information by verifying the signature information l private key and sensitive data are all encapsulated inside the chip, fully guaranteeing security.
In addition to the above advantages, SHC1515 also has the following advantages:
lRF communication link encryption The application data or sensitive data on the RF link layer is cipher text transmission. Only the other party with the corresponding authority can obtain the data. During each RF communication process, the session key is used to encrypt the communication content, and the session key is obtained after the root key plus the random number is divergence, thereby improving the security of the card and the reader/writer root key.
l Physical security The chip also uses various anti-physical attack circuits to greatly improve the security and reliability of the system.
The plan can promote the city's card business
The SHC1515 One-line Online Payment Terminal Solution has a catalytic effect on the city's card business and is reflected in the following aspects:
l Improve user experience. The user can realize recharge and online payment in the home environment, which is convenient and quick.
l Relieve the pressure of traditional service outlets, reduce the construction costs of network outlets, equipment investment, and leasing costs.
l Support card companies to expand business models and conduct business innovations. Business model development and business innovation help develop users and increase business volume
Four summary
To sum up, the trend of online payment in urban card is a trend. The development of online payment business can promote the business expansion of Tongka. The SHC1515 online payment terminal solution is suitable for the needs of urban card online payment service, reducing operating costs and network pressure; perfect hardware And the software solution will ensure the successful application of SHC1515 online payment terminal for online payment in urban card, promoting the development of the construction of urban one card.
The city card is not only used in urban transportation areas such as public transportation, subway, taxis, and parking lots, but also covers areas such as water, electricity, gas, and financial services that are closely related to citizens' lives. According to the survey, nearly 90% of the city's IC card applications have been extended to small-scale consumer shopping malls, supermarkets, convenience stores, catering, fitness, theater applications; utilities such as tap water, gas, and heat, and communications. Access control of the digital community, management of parking lots, and application of garden attraction tickets.
Online trading is a high-end application for the development of the city Tongka. Under the premise of simple public transportation payment, off-line transactions are generally quick and convenient. However, once they enter the life micropayment application, there will be problems of capital security and timeliness of liquidation in the complete offline transactions. This forced the passcard companies to establish an online trading system based on their own needs.
The Ministry of Housing and Urban-Rural Development has designed and developed the “IC Card Key Management System for Construction Business†and “CA System for Urban Construction and Public Service†to ensure the security of online payment authentication and key transmission. These two systems It constitutes the security system of IC cards in the fields of housing and urban-rural development.
Under the above background, there is an urgent need to be able to realize the city's one-card online payment solution, and to realize the application of the city's one-card recharge and online payment.
SHC1515 city card online transaction terminal application implements balance inquiry, on-line recharging function, and can also realize online payment function. It is a terminal solution for urban card online payment system. Greatly facilitated the use of the city's card, to avoid the queuing problem of window recharge. For Tongka, it reduced service pressure, reduced investment and operating costs at service outlets, and facilitated the development of new businesses for Tongka.
Two system topologies
The terminal holder connects the online payment terminal to the home computer and connects the online payment system via the Internet. The terminal holder interacts with the back-end online payment system using the online payment terminal swipe card to complete the payment function on the browser interface. The back-end system can connect banks, merchants, utilities, and city card interfaces to achieve a rich business portfolio.
Three SHC1515 City Card Online Payment Terminal Solution Chip Introduction
Safe non-reading and writing chip SHC1515 built-in 8051 core, provides RSA encryption coprocessor, DES/3DES hardware algorithm, stream encryption processor, true random number generator, 168kFlash memory, 4KSRAM, with USB2.0 full-speed interface, 7816 Interfaces, SPI interfaces, and RF transceivers that support the ISO14443 typeA standard.
Hardware composition
The city's single-card payment terminal uses a single-chip solution with SHC1515 as its core. Due to the high degree of integration of the SHC515, the solution requires only a few peripheral devices. The main peripheral circuits are: (1) The power supply scheme is powered by USB, magnetic bead can be used to eliminate noise between the RF circuit and the digital circuit power supply, and (2) the RC network is adjusted. RF reader and built-in antenna matching parameters. The terminal senses and reads and writes the IC card through the inner ring antenna, and communicates with the PC through the USB interface. The hardware framework of the terminal is shown in Figure 2.
Software Architecture
The software architecture of the terminal is shown in Table 3. Terminal COS supports digital certificate encryption and decryption, SAM function (optional built-in SAM or external PSAM) and download of support service programs. The user PC interface is based on the universal WEB browser. The OCX control handles the user request. The CSP program invokes the terminal certificate authentication protection function. The PC/SC universal driver provides the hardware interface. The online business payment system server mainly provides service database, certificate database, account database and WEB application service.
SHC1515 can ensure the safety of online payment transactions
The Ministry of Housing and Urban-Rural Development has designed and developed the "IC Card Key Management System for Construction Business" and the "CA System for Urban Construction and Public Service." The features and software architecture of the SHC1515 are in line with the planning of the online payment system for the Urban Card of the Ministry of Housing and Urban-Rural Development. The built-in RSA supports the PKI system and can completely guarantee the security of transactions, which is mainly reflected in:
l When accessing the system, the RSA within the SHC1515 fully supports the required authentication.
l When the transaction occurs, the SHC1515 City Card Payment Terminal signs the transaction data through the built-in private key. The card system verifies whether the transaction data and card information have been tampered with the public key. The card system uses its own private key pair transaction permission information and transaction key. Signing, the city card payment terminal to verify the validity of the returned information by verifying the signature information l private key and sensitive data are all encapsulated inside the chip, fully guaranteeing security.
In addition to the above advantages, SHC1515 also has the following advantages:
lRF communication link encryption The application data or sensitive data on the RF link layer is cipher text transmission. Only the other party with the corresponding authority can obtain the data. During each RF communication process, the session key is used to encrypt the communication content, and the session key is obtained after the root key plus the random number is divergence, thereby improving the security of the card and the reader/writer root key.
l Physical security The chip also uses various anti-physical attack circuits to greatly improve the security and reliability of the system.
The plan can promote the city's card business
The SHC1515 One-line Online Payment Terminal Solution has a catalytic effect on the city's card business and is reflected in the following aspects:
l Improve user experience. The user can realize recharge and online payment in the home environment, which is convenient and quick.
l Relieve the pressure of traditional service outlets, reduce the construction costs of network outlets, equipment investment, and leasing costs.
l Support card companies to expand business models and conduct business innovations. Business model development and business innovation help develop users and increase business volume
Four summary
To sum up, the trend of online payment in urban card is a trend. The development of online payment business can promote the business expansion of Tongka. The SHC1515 online payment terminal solution is suitable for the needs of urban card online payment service, reducing operating costs and network pressure; perfect hardware And the software solution will ensure the successful application of SHC1515 online payment terminal for online payment in urban card, promoting the development of the construction of urban one card.
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