China Unionpay Co., Ltd.

Jinyao Xu

Chunhuan Li

Chunye Hui

Hongwen Meng

Kun Jiang

Tao Hai

Tianshu Ma

Jianning Bo

Fengjun Liu

Yanmei Zhou

Denfeng Han

Linrun Ding

The present invention discloses a device and method for security information interaction. The device for security information interaction includes: an interface circuit, configured to connect the device for security information interaction to an internet terminal; an information input unit, configured to allow user to input security information; a secure encryption/decryption unit, configured to store and process the security information; an information reader, configured to read information data from an external information carrier; wherein the secure encryption/decryption unit processes the security information in connection with the information data, and complete a business function on the secure channel through the interaction with the security information processing server. The device and method for security information interaction disclosed in the present invention improves the flexibility and efficiency of the information processing system, enhances the security of the information processing system, and extending new applications of an external information carrier in an open network environment.

Internet based security information interaction apparatus and method

A payment system and method of IC card and a multi-application IC card as well as payment terminal are proposed in the present invention. The terminal and the IC card perform off-line data authentication using an asymmetric key algorithm during an off-line transaction, and if the transaction is not approved in manner of off-line, the terminal and the IC card performs an on-line transaction via a host. Therefore, the payment system and method of IC card and the multi-application IC card as well as payment terminal disclosed in the present invention can be used both in machinery without on-line transaction environment and in standard merchant machinery with on-line transaction environment.

Payment system and method of IC card and a multi-application IC card as well as a payment terminal

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Shanghai, China

Jinyao Xu