CN109615054B - Intelligent card - Google Patents

Abstract

The application discloses a smart card, which is provided with two safety chips, wherein the card has three working states under the control of a working state switching circuit; in the thermal storage state, the first safety chip is powered off, the second safety chip is powered on, and the second safety chip has the function of a cold electronic wallet; in the cold-heat exchange state, the first and second safety chips are electrified and are in an off-line state, and data interaction can be carried out between the first and second safety chips; in the thermal storage state, the second security chip is powered off, the first security chip has the functions of a conventional financial card and a hot electronic wallet, and therefore the smart card has the functions of a cold and hot electronic wallet and a conventional financial card, the expansion and the extension of the application of the conventional financial smart card to the digital currency field are greatly facilitated, when the second security chip is powered on, the smart card is in an off-line state, the security of an account in the second security chip is ensured, and in the embodiment, the cold and hot storage states of the smart card are electrically and physically isolated based on a power supply circuit, and the security is high.

Description

a smart card

Technical field

The present invention relates to the technical field of smart cards, and in particular to a smart card.

Background technique

In the digital currency system, the storage of digital currency is divided into cold storage and hot storage.

Cold storage is also called offline storage, that is, storage in a non-networked and isolated state. When there is no need to use digital currency, the currency is placed in a cold storage environment. Due to the isolation state, malicious attackers cannot steal currency or steal through the network environment. vandalize it maliciously. The advantage of cold storage is that it is isolated from the network and has high security; the disadvantage is also very prominent, that is, it requires independent construction or creation of a cold storage hardware environment. The security of the cold storage environment has led to a variety of expensive cold e-wallet (independent embedded environment equipped with a cold storage environment, which looks like an online banking shield, or a password embedded system shaped like a mobile terminal with a display) products and Applications are in the ascendant.

Hot storage is also called online storage. The application environment with hot storage is called hot e-wallet, which is used for online transfer of digital currency at any time in a networked environment, such as hot storage through computer clients, mobile terminal applications (APPs), web pages, etc. Electronic wallets can all transfer digital currencies online, and the public and private keys of digital currencies and sensitive identity information are stored in hot storage. Its advantage is that it is easy to use and can be connected to the Internet at any time to operate currency transfer (transaction) with high efficiency; its disadvantage is that it is connected to the Internet and once it suffers from malicious network attacks, such as malicious surveillance and remote control, it will directly threaten the online hot storage environment and lead to the loss of currency. , the risk is huge when the currency amount is large. Under the current technology situation, the convenience of hot storage cannot be replaced by cold storage methods.

At present, cold electronic wallets and hot electronic wallets generally exist independently. The existing technology lacks a financial device that can not only take advantage of the security advantages of cold storage, but also meet the convenience advantages of hot storage.

Contents of the invention

The main purpose of the embodiments of the present invention is to provide a smart card to improve the convenience of using cold storage technology.

In order to achieve the above object, an embodiment of the present invention provides a smart card, which includes: a first security chip, a second security chip, a working state switching circuit and a power supply circuit;

The power supply circuit is used to power the smart card;

The working state switching circuit is respectively connected to the first security chip, the second security chip and the power supply circuit. The working state switching circuit is used to switch the working state of the smart card, wherein the smart card has The following three working states: cold storage state, cold and hot exchange state and hot storage state;

Wherein, in the cold storage state, the first security chip is powered off, and the second security chip is powered on, and the second security chip stores the account information of the user's current digital currency account based on cold electronic wallet technology;

In the hot and cold exchange state, the first security chip and the second security chip are powered on, and the second security chip has the function of data interaction with the first security chip;

In the hot storage state, the first security chip is powered on and the second security chip is powered off. The first security chip has the functions of a conventional financial card and a hot electronic wallet.

An embodiment of the present invention proposes a smart card, which is provided with two security chips. The smart card of this embodiment has three working states under the control of the working state switching circuit; in the hot storage state, the first security chip is powered off. When the second security chip is powered on, the second security chip can provide the function of a cold e-wallet; in the hot and cold exchange state, both the first and second security chips are powered on and in a non-networked state. Data interaction is possible; in the hot storage state, the second security chip is powered off, and the first security chip has the functions of a conventional financial card and a hot electronic wallet. Based on the above settings of the smart card, the smart card of this embodiment has cold and hot functions. The functions of electronic wallets and conventional financial cards are greatly beneficial to the expansion and extension of traditional financial smart card applications into the field of digital currency. When the second security chip is powered on, the smart card is in a non-networked state, ensuring the security of the account in the second security chip. , and the cold and hot storage states of the smart card in this embodiment are based on electrical physical isolation of the power supply circuit, which can effectively resist malicious attacks from the network and has high security.

Description of drawings

In order to explain the embodiments of the present invention or the technical solutions in the prior art more clearly, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings in the following description are only These are some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without exerting creative efforts.

Figure 1 is a schematic structural diagram of a smart card provided by an embodiment of the present invention;

Figure 2 is a schematic structural diagram of another smart card provided by an embodiment of the present invention;

Figure 3 is a schematic structural diagram of another smart card provided by an embodiment of the present invention;

Figure 4 is a schematic structural diagram of another smart card provided by an embodiment of the present invention.

Detailed ways

In order to make the purpose, features, and advantages of the present invention more obvious and easy to understand, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the description The embodiments are only some, not all, of the embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative efforts fall within the scope of protection of the present invention.

Currently, digital currency projects are a very popular trading project. In digital currency transactions, cold storage is favored by users for its high security. However, the current cold electronic wallet is lacking in convenience of use and cannot be used for Provide users with a good experience.

In order to enable users to use cold electronic wallets more conveniently, an embodiment of the present invention proposes a smart card. See Figure 1. The smart card includes:

The first security chip 11 and the second security chip 12, the working state switching circuit 13 and the power supply circuit 14;

The power supply circuit 14 is used to power the smart card;

The working state switching circuit 13 is connected to the first security chip 11, the second security chip 12 and the power supply circuit 14 respectively. The working state switching circuit 13 is used to switch the working state of the smart card, where the smart card has the following three working states: cold storage state , hot and cold exchange status and hot storage status;

Among them, in the cold storage state, the first security chip 11 is powered off and the second security chip 12 is powered on. The second security chip 12 stores the account information of the user's current digital currency account based on cold electronic wallet technology;

In the hot and cold exchange state, the first security chip 11 and the second security chip 12 are powered on, and the second security chip 12 has the function of data interaction with the first security chip 11;

In the hot storage state, the first security chip 11 is powered on and the second security chip 12 is powered off. The first security chip has the functions of a conventional financial card and a hot electronic wallet.

This embodiment implements a cold electronic wallet and its cold storage environment on a smart card, as well as a safe interaction environment from the cold electronic wallet to the hot electronic wallet. In this embodiment, the cold and hot storage environments provided by the smart card are based on the electrical physics of the power supply circuit. Isolation. This physical isolation can effectively resist malicious attacks from the network and has high security. The smart card in this embodiment has the functions of cold storage and hot storage, which is more convenient.

In this embodiment, the power supply circuit 14 can be directly or indirectly connected to the first security chip 11, the second security chip 12 and the working state switching circuit 13. When necessary, the power supply circuit 14 can provide The state switching circuit 13 supplies power.

The first security chip 11 and the second security chip 12 in this embodiment can be chips with higher security, such as financial-grade security chips. Financial-grade security chips have passed hundreds of millions of security tests in the fields of finance, social security, health, etc. It has been tested by the market and can effectively resist side channel, error injection and physical intrusion attacks on integrated circuits. Even in the hot storage state, the security of financial-grade security chips is far higher than that of traditional PCs or mobile terminal APPs.

Optionally, this embodiment adopts a smart card package appearance form, which can be easily placed in the user's daily wallet and card bag for easy portability. Optionally, the thickness of the smart card in this embodiment does not exceed the thickness of a conventional financial card, and the length and width of the smart card are required to match the length and width of the conventional financial card.

In this embodiment, both the first security chip 11 and the second security chip 12 are embedded with software modules. Optionally, the second security chip 12 is embedded with software required to implement cold storage, such as a cold electronic wallet application. A security chip 11 stores software for implementing hot storage functions (such as hot electronic wallet applications) and software for certain conventional financial functions. Types of smart cards with financial functions in this embodiment include but are not limited to bank cards, financial social security cards, resident health cards, etc.

In this embodiment, the first security chip 11 and the second security chip 12 can be interconnected through a universal standard input/output device (input/output, I/O) interface, such as a serial peripheral interface (Serial Peripheral Interface, SPI), bus Interface (Inter-Integrated Circuit, I2C), etc., but it is not limited to these interfaces. It can be understood that the interconnection of the first security chip 11 and the second security chip 12 does not mean that they can communicate with each other at any time, but can only be connected when the connection between the first security chip and the second security chip is turned on (i.e. Communicate during hot and cold switching status). The connection between the first security chip 11 and the second security chip 12 is controlled by the working state switching circuit 13 . The connection between the working state switching circuit 13 and the first security chip 11 and the second security chip 12 is controlled by the working state switching circuit 13 . The specific circumstances of the circuit connection depend on the specific structures of the first security chip 11, the second security chip 12 and the working state switching circuit 13, which are not limited in this embodiment.

Optionally, software for generating random numbers and/or public key cryptography can be installed on both the first security chip 11 and the second security chip 12 of this embodiment; or, the first security chip 11 and the second security chip 12 is provided with a random number generator circuit and a public key cryptographic algorithm circuit.

In this embodiment, in the hot and cold exchange state, the first security chip 11 and the second security chip 12 can communicate with each other, and the data exchanged between them includes but is not limited to the account information of the digital currency account, for example, in the hot and cold exchange state. In the exchange state, the second security chip 12 sends the account information of the user's current digital currency account (for convenience of explanation, marked as A) stored in it to the first security chip 11. After that, in the hot storage state, the first security chip 11 The transaction can be completed based on the account information of the user's digital currency account A. Generally, in a digital currency agreement, the old user's digital currency account needs to be discarded after the transaction and a new user's digital currency account is used to store the user's digital currency. Therefore, in this embodiment, the user's digital currency account is used to store the user's digital currency. Currency account A is abandoned after the transaction, and the first security chip must use a new user account digital currency account to store the digital currency after the transaction. In this embodiment, these new user digital currency accounts can be generated by the second security chip 12 and/or generated by the first security chip 11. This embodiment has no limitation on this.

Optionally, in the cold storage state, the second security chip 12 has the function of generating and storing account information of the backup digital currency account; and/or, in the hot and cold exchange state, the first security chip 11 and the second security chip 12 have Function to generate account information for backup digital currency accounts. After a digital currency transaction, a new user active account digital currency account for storing digital currency can be selected from these backup digital currency accounts.

In this embodiment, the account information of the digital currency account includes but is not limited to the address and private key of the digital currency account. In one example, the account information of the digital currency account may also include the public key corresponding to the private key in the account information. . In this embodiment, the first security chip and the second security chip can first generate a public-private key pair and derive an address based on the public key to obtain the account information of the digital currency account.

Optionally, when generating backup digital currency accounts in the second security chip 12 and the first security chip 11, N backup digital currency accounts can be generated at one time. For example, 100 backup digital currency accounts can be generated at one time. The specific number can be This embodiment does not limit this according to actual needs or capability settings of the second security chip 12 and the first security chip 11 . Further, N is not less than the number of destination addresses for users to transfer (transact) digital currencies.

In this embodiment, the smart card has the function of changing the storage state of the user's current digital currency account from cold storage state to hot storage state, or from hot storage state to cold storage state in the hot and cold exchange state; optionally, In the hot and cold exchange state, the second security chip 12 of this embodiment has the function of sending its stored account information of the user's current digital currency account and/or the account information of the backup digital currency account to the first security chip 11, and from the first security chip 11. The security chip has the function of reading the account information of a new user’s digital currency account. Correspondingly, the first security chip has the function of reading the account information of the user's current digital currency account and/or the account information of the backup digital currency account stored in the second security chip, and sending the new user's current digital currency to the second security chip. The account information function of the account.

In this embodiment, the first security chip 11 can store the account information of the backup digital currency account generated by itself and the account information of the backup digital currency account received from the second security chip 12 and/or the account information of the user's current digital currency account, Stored in its own non-volatile storage medium for security protection; the second security chip can store the public-private key pair and address generated by itself as well as the account information of the new user's digital currency account received from the first security chip , stored in its own non-volatile storage medium for security protection.

Optionally, in the hot and cold exchange state, the first security chip and the second security chip in this embodiment are in an offline state. This offline state is understood to mean that the first security chip and the second security chip cannot be directly or indirectly connected to the network. , the network includes but is not limited to local area network, Internet, etc., to prevent illegal users from illegally stealing the data in the first security chip and the second security chip through the network

In one example, the smart card also includes a display circuit module. As shown in Figure 2, the display circuit module includes a display 15 exposed on the smart card. The display circuit module is connected to the first security chip and the second security chip respectively. . The display screen can be used to display information in the first security chip and the second security chip, and/or the working status of the smart card, etc. It is understandable that the content displayed on the display screen is not limited to the content listed above. . Optionally, the display type includes a non-touch display (such as a quartz display) and a touch display.

According to the foregoing content, it can be seen that the smart card is in a hot and cold exchange state, the connection between the first security chip and the second security chip is conductive, and the first security chip and the second security chip can transmit information to each other. Which data is exchanged between the first security chip and the second security chip and which party the data is transmitted from to which party can be determined by the working state of the smart card before the hot and cold exchange state. For example, during the hot and cold exchange state Before the state, the smart card is in the cold storage state. After switching to the hot and cold exchange state, the second security chip sends the account information of the user's current digital currency account and/or the account information of the backup digital currency account stored in it to the first security chip. security chip; or, before the hot and cold exchange state, the smart card is in the hot storage state, then after switching to the hot and cold exchange state, the first security chip sends the account information of the new user's digital currency account stored by itself to the third Two security chips.

Optionally, what data is exchanged between the first security chip and the second security chip and which party the data is transmitted from to which party can also be determined through operations in the hot storage state, for example, in the hot storage state , when the user inputs the next hot and cold exchange state to the first security chip through the external terminal connected to the smart card, a specific instruction needs to be executed (this instruction can indicate that after switching to the hot and cold storage state, it is the first security chip that transmits data to the second security chip. Does the chip send data, such as sending a new user's digital currency account information, or does the first security chip obtain data from the second security chip, such as obtaining the user's current digital currency account information stored in the first security chip? Optional, this instruction is a one-time instruction), when the smart card switches to the hot and cold exchange state, the first security chip executes the specific instruction stored on it, sends account information to the second security chip or obtains account information from the second security chip.

Optionally, in order to more conveniently control the information interaction between the first security chip and the second security chip in the hot and cold switching state, in one example, the smart card also includes a keyboard input module, which is connected to the display circuit module Connected to the power supply circuit, the keyboard input module has buttons exposed on the smart card, so that the user can control specific data interaction between the first security chip and the second security chip by triggering the buttons. It can be understood that during actual use, a user operation interface can be displayed on the display screen. In this user operation interface, the user can select different options on the user operation interface by operating the keys on the keyboard input module, and control the smart card to execute the selected option. etc. Optionally, the functions of the keys of the keyboard input module include but are not limited to turn up, turn down, turn left, turn right, confirm, etc. Optionally, the keyboard input module in this embodiment is packaged so that the thickness of the smart card does not exceed the standard thickness of a conventional financial card. Optionally, the keys in the keyboard input module can be press keys, thermal-sensitive keys, fingerprint-sensitive keys, etc.

If the display screen is a touch display screen, the display screen circuit module is a touch display screen circuit module, and the touch display screen circuit module can receive user operations through the touch display screen to control the smart card. Optionally, the function of the working state switching circuit 13 can be integrated into the touch display screen circuit. Optionally, in the hot and cold exchange state, the touch display circuit module can receive user operations through the touch display, generate control instructions and send them to the corresponding security chip (the first security chip and/or the second security chip). , wherein the control instruction can be used to instruct the second security chip to send the account information of the backup digital currency account and/or the account information of the user's current digital currency account (selected by the user by operating the touch screen) to the first security chip, Or the control instruction can be used to instruct the first security chip to send the account letter of the new user's current digital currency account to the second security chip and so on. For example, the control instruction is used to instruct the second security chip to send the account information of the user's current digital currency account A stored in it to the first security chip, or to instruct the first security chip to send the account information of the user's current digital currency account B stored in it. The information is sent to the second security chip and so on. Therefore, this embodiment can realize data interaction between the first security chip and the second security chip in an offline environment.

In the hot storage state, in order to realize the function of a hot electronic wallet or a conventional financial card, the first security chip needs to be able to interact with external terminals such as ATMs, so in another example, as shown in Figure 2, the The smart card also includes an interface circuit 16. The connection between the interface circuit 16 and the first security chip 11 can be conducted only in the hot storage state, or the connection between the interface circuit 16 and the first security chip 11 can be in the first security chip. 11 is turned on after being powered on, and the specific conduction condition depends on the specific function of the interface circuit 16. Through the interface circuit 16, the first security chip 11 can realize data interaction with the external terminal when needed.

Optionally, in the hot and cold exchange state, the first security chip 11 in the smart card can establish a connection with an external terminal through the interface circuit 16, and the first security chip 11 can transfer the information in itself and the second security chip 12 through the interface circuit 16. Sent to an external terminal, the user can set specific information about the interaction between the first security chip 11 and the second security chip 12 through the interface displayed on the external terminal. The external terminal generates a control instruction according to the user's settings and sends the control instruction to the third security chip 11. A security chip 11, wherein the control instruction carries identification information of the security chip that executes the control instruction. For example, the control instruction instructs the second security chip to send the account information of the user's current digital currency account A stored in it to the first security chip, or instructs the first security chip to send the account information of the user's current digital currency account B stored in it. Give a second security chip and so on.

Optionally, in the hot and cold exchange state, the first security chip in the smart card receives a control instruction from the external terminal through the interface circuit, and the control instruction is used to instruct the second security chip to send the account information of the backup digital currency account stored by itself and/or Or the account information of the user's current digital currency account (the account is the user's current digital currency account selected by a user through an external terminal, and the number of the user's current digital currency accounts can be one or more) to the first security chip, or Instruct the first security chip to send the account letter of the new user's digital currency account to the second security chip.

Optionally, the interface circuit 16 is a contact interface circuit (161 in Figure 2, which usually uses the ISO7816 protocol for data interaction) or a non-contact interface circuit (162 in Figure 2, which usually uses the ISO14443 protocol for data interaction). The contact interface circuit may specifically be a non-contact coupling antenna circuit module, but is not limited to this. Depending on the type of interface circuit, the smart card can be connected to the external terminal by inserting an external terminal or establishing a connection with the external terminal in a non-contact manner. In the hot and cold exchange state, the external terminal connected to the smart card needs to be offline to avoid two security chips, especially The information in the second security chip is illegally obtained through the network, for example, the account information of the user's digital currency account in the second security chip is illegally obtained, etc. Optionally, in this embodiment, in the hot and cold exchange state, the first security chip is also used to detect whether the external terminal connected to the smart card is offline. If the external terminal is offline, the user is prompted that the external terminal is connected to the Internet. status, the information in the smart card is at risk of being stolen so that users can disconnect from the network of external terminals. Optionally, the first security chip can prompt the user that the external terminal is connected to the Internet through its own display module, or the first security chip can prompt the user that the external terminal is connected to the Internet through voice, display, vibration, etc. through the external terminal connected to the smart card.

In this embodiment, the interface circuit can be integrated into the first security chip, or can be set up independently from the first security chip. This embodiment has no limitation on this.

In order to further ensure the security of data interaction between the first and second security chips in the hot and cold exchange state, the first and second security chips exchange data through the encrypted channel in the hot and cold exchange state. The information encryption method in this embodiment is No limit, for example, the Advanced Encryption Standard (Advanced Encryption Standard, AES) encryption algorithm is used. In the hot and cold exchange state, the second security chip uses the agreed information encryption method to encrypt the data to be sent and then sends it to the first security chip. After receiving the data sent by the second security chip, the first security chip uses the corresponding Decrypt the information using decryption method and store the decrypted data in its own non-volatile storage medium; similarly, the first security chip uses the agreed information encryption method to encrypt the data to be sent and then sends it to the second security chip. After receiving the data sent by the first security chip, the second security chip decrypts the data using a corresponding information decryption method, and stores the decrypted data in its own non-volatile storage medium.

In this embodiment, in the hot storage state, the second security chip is powered off, and the information in it is in an offline storage state and cannot be stolen by external devices. The first security chip can establish a connection with the external device through the interface circuit. Types of external terminals include but are not limited to terminal equipment such as card readers, POS machines, and ATM machines.

In the hot storage state, if the first security chip is connected to an external terminal through an interface circuit, the first security chip can implement conventional financial transactions and digital currency transactions through the connected external terminal. The transaction includes depositing digital currency in the address of the backup digital currency account to obtain a new user's current digital currency account, or transferring the digital currency in the address of the user's current digital currency account received from the second security chip to at least A backup digital currency account gets at least one new user using the digital currency account, etc.

Optionally, in the hot storage state, the first security chip 11 can be connected to an external terminal through a smart card. On the one hand, the first security chip has the original function of the smart card where it is located (that is, the second security chip is not added to the smart card to work. When the state switching circuit and power supply circuit are used, the smart card originally has the functions). For example, the smart card was originally a bank card, and the first security chip has all the functions of the bank card. For example, the smart card can be inserted into an ATM machine to deposit/withdraw money. For example, the smart card was originally a social security card. , then the first security chip has the function of a social security card. When the user is seeking medical treatment, the first security chip can assist the external terminal to complete operations such as registration and payment. For example, the smart card was originally a transportation card, then the first security chip has the function of a transportation card. Functions, for example, the smart card was originally a provident fund card, and the first security chip has the functions of a provident fund card, etc.

On the other hand, the first security chip may have the function of a hot electronic wallet, such as synchronizing currency transfer (transaction) information with the digital currency server through an external terminal. In order to further ensure information security and prevent the account information of digital currency accounts from being illegally stolen, optionally, the first security chip is also used to at least send the second security chip to new users after digital currency transactions. Account information of digital currency accounts is destroyed.

Furthermore, the first security chip is also used to destroy the user's current digital currency account information and the account information of the backup digital currency account sent by the second security chip after the digital currency transaction, and destroy the backup digital currency account generated by itself. The account information and the account information of the new user's digital currency account sent to the second security chip are destroyed. The methods of destruction in this example include but are not limited to erasure.

Optionally, in this embodiment, the power supply circuit includes a thin film battery, and the thin film battery should be packaged so that the thickness of the smart card does not exceed the standard thickness of a conventional financial card.

In the cold storage state, the thin film battery supplies power to the second security chip 12; in the cold and hot exchange state, the thin film battery supplies power to the first security chip 11 and the second security chip 12; in the hot storage state, the thin film battery and the first security chip 11 The power supply connection is disconnected, and the connection between the first security chip 11 and the interface circuit 16 is turned on. If the first security chip 11 establishes communication with the external terminal through the interface circuit 16, the first security chip 11 accepts the external terminal through the interface circuit 16. of power supply.

Further, in the hot storage state, if the smart card is inserted into the external terminal, the smart card establishes a connection with the external terminal through the contact interface circuit, and the first security chip receives power from the external terminal through the interface circuit; in the hot storage state, if the smart card is in the external terminal In the magnetic field, the smart card establishes a connection with the external terminal through the non-contact coupling antenna circuit module, and the first security chip receives power from the external terminal through the non-contact coupling antenna circuit module.

Optionally, in this embodiment, the working state switching circuit 13 in Figure 1 is a key switching circuit. The key switching circuit includes keys exposed on the smart card, so that the user can switch the working state of the smart card by triggering the keys.

Optionally, the function of the key switching circuit can be realized by the above-mentioned touch display circuit module, and the function of the button is realized by the touch display in the touch display circuit module. The touch display circuit module is connected with the first safety The chip is connected to the second security chip and the power supply module. The touch display screen is used to receive the user's touch operations. The user can switch at least three functional states of the smart card through operations on the touch display screen. The processing sub-module can receive the user's operations through the touch display screen. And according to the user's operation, the corresponding switching instructions are generated to control the switching of the working status of the smart card, etc.

Optionally, the key switching circuit in this embodiment can be various types of switch circuits, such as a paddle switch circuit, a membrane switch circuit, etc., which is not limited in this embodiment. Optionally, if the key switching circuit is a paddle switch circuit (131 in Figure 3), then the key is a paddle in the paddle switch circuit (1311 in Figure 3, the paddle is exposed on the smart card). If the key The switching circuit is a membrane switch circuit (132 in Figure 4), and the button is a touch module in the membrane switch circuit (1321, 1322 and 1323 in Figure 4, three are exposed on the smart card), the touch module is exposed on the smart card, and the membrane switch The circuit determines the working state of the smart card selected by the user by acquiring the user's touch status on the touch module, so as to switch the working state of the smart card.

Referring to Figure 3, the paddle switch 131 of this embodiment can be set to three gears. Each gear corresponds to one of the three working states of the smart card. Of course, different gears correspond to different working states; the paddle switch Whichever gear the paddle on the smart card stays at under the user's control, the working state of the smart card switches to the working state corresponding to that gear. Optionally, when the smart card uses a paddle switch circuit, after the smart card is powered on or reset, whichever gear the paddle switch on the smart card is in, the state of the smart card will be the state corresponding to that gear.

Referring to Figure 4, the membrane switch of this embodiment can be provided with three touch modules (as shown in Figure 4, 1321, 1322 and 1323 are three touch modules), and each touch module corresponds to one of the three working states of the smart card. Of course, different touch modules correspond to different working states. These three touch modules are exposed on the smart card. The touch modules can be push-type touch modules, thermal-sensitive touch modules, fingerprint-sensitive touch modules, etc. This embodiment has no limitation on this. Optionally, when the smart card uses a membrane switch circuit, after the smart card is powered on or reset, the smart card defaults to the hot storage state.

Optionally, the implementation forms of the paddle switch circuit and the membrane switch circuit in this embodiment include but are not limited to: mechanical multi-way control switch circuits and transistor-type multi-way control switch circuits.

Optionally, the packaging of the key switching circuit in this embodiment should not make the smart card exceed the standard thickness.

The embodiment of the present invention proposes a smart card with two security chips. The card has three working states under the control of the working state switching circuit; in the hot storage state, the first security chip is powered off and the second security chip is powered on. , the second security chip can provide the function of a cold e-wallet; in the hot and cold exchange state, the first and second security chips are powered on and both are offline, and data interaction can be carried out between the first and second security chips; in the hot storage state, When the second security chip is powered off, the first security chip has the functions of a conventional financial card and a hot electronic wallet. Therefore, the smart card has the functions of a cold and hot electronic wallet and a conventional financial card, which is greatly beneficial to the transformation of traditional financial smart card applications into digital In the expansion and extension of the currency field, when the second security chip is powered on, the smart card is in an offline state, ensuring the security of the account in the second security chip. In this embodiment, the cold and hot storage states of the smart card are based on electrical physical isolation of the power supply circuit. Extremely safe.

In the several embodiments provided in this application, it should be understood that the disclosed device can be implemented in other ways. For example, the device embodiments described above are only illustrative. For example, the division of modules is only a logical function division. In actual implementation, there may be other division methods. For example, multiple modules or components may be combined or integrated. to another system, or some features can be ignored, or not implemented. On the other hand, the coupling or direct coupling or communication connection between each other shown or discussed may be through some interfaces, indirect coupling or communication connection of devices or modules, and may be in electrical, mechanical or other forms.

Modules described as separate components may or may not be physically separated, and components shown as modules may or may not be physical modules, that is, they may be located in one place, or they may be distributed to multiple network modules. Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional module in various embodiments of the present invention can be integrated into one processing module, or each module can exist physically alone, or two or more modules can be integrated into one module. The above integrated modules can be implemented in the form of hardware or software function modules.

The above is a description of a smart card provided by the present invention. For those skilled in the art, there will be changes in the specific implementation and application scope based on the ideas of the embodiments of the present invention. In summary, the content of this specification does not It should be understood as a limitation of the invention.

Claims (8)

1. A smart card, characterized in that it includes: a first security chip, a second security chip, a working state switching circuit and a power supply circuit; The power supply circuit is used to power the smart card; The working state switching circuit is respectively connected to the first security chip, the second security chip and the power supply circuit. The working state switching circuit is used to switch the working state of the smart card, wherein the smart card has The following three working states: cold storage state, cold and hot exchange state and hot storage state; Wherein, in the cold storage state, the first security chip is powered off, and the second security chip is powered on, and the second security chip stores the account information of the user's current digital currency account based on cold electronic wallet technology; In the hot and cold exchange state, the first security chip and the second security chip are powered on, and the second security chip has the function of data interaction with the first security chip; In the hot storage state, the first security chip is powered on and the second security chip is powered off, and the first security chip has the functions of a conventional financial card and a hot electronic wallet; In the cold storage state, the second security chip has the function of generating and storing account information of a backup digital currency account; and/or, in the hot and cold exchange state, the first security chip and the The second security chip has the function of generating account information of a backup digital currency account; In the hot and cold exchange state, the first security chip and the second security chip are both powered on and in a non-networked state, and data interaction can be carried out between the first security chip and the second security chip. The second security chip has the function of sending the account information of the user's current digital currency account and/or the account information of the backup digital currency account to the first security chip, and reading the new user's current digital currency account from the first security chip. The function of using account information of digital currency accounts; The second security chip is embedded with software required to implement cold storage, and the software required for cold storage includes cold e-wallet application software; the first security chip is stored with software to implement hot storage functions and financial services. Functional software, the hot storage functional software includes a hot e-wallet application. 2. The smart card according to claim 1, wherein the smart card further includes an interface circuit, and the power supply circuit includes a thin film battery; In the cold storage state, the thin film battery supplies power to the second security chip; in the hot and cold exchange state, the thin film battery supplies power to the first security chip and the second security chip; In the thermal storage state, the power supply connection between the thin film battery and the first security chip is disconnected, and the connection between the first security chip and the interface circuit is conducted. If the first security chip passes through When the interface circuit establishes a connection with an external terminal, the first security chip receives power from the external terminal through the interface circuit. 3. The smart card according to claim 1, wherein the smart card further includes a display screen circuit module, the display screen circuit module includes a display screen exposed on the smart card, and the display screen circuit module is connected to the display screen respectively. The first security chip and the second security chip are connected. 4. The smart card according to any one of claims 1 to 3, wherein the working state switching circuit is a key switching circuit, and the key switching circuit includes a key exposed on the smart card, so that the user can trigger the key switching circuit. Switch the working state of the smart card by pressing the key. 5. The smart card according to claim 4, wherein the key switching circuit is a membrane switch circuit, and the button is a touch module in the membrane switch circuit. After the smart card is powered on or reset, the The smart card is in hot storage state. 6. The smart card according to any one of claims 1 to 3, characterized in that, in the hot and cold exchange state, the first security chip and the second security chip are in an offline state, and the first security chip is in an offline state. Data transmission is carried out between the security chip and the second security chip through an encrypted channel. 7. The smart card according to any one of claims 1 to 3, characterized in that the first security chip is also used to at least send the second security chip to a new user after a digital currency transaction. Account information of current digital currency accounts is destroyed. 8. The smart card according to any one of claims 1 to 3, wherein the first security chip and the second security chip are financial grade security chips.