First, the system introduction:
“SmartCOS†is a CPU card operating system developed and developed by Shenzhen Minghua Aohan Technology Co., Ltd. with its own copyright. The CPU card operating system (referred to as COS), which is the core of the smart IC card application technology, is produced as the integrated circuit card evolves from a simple logic circuit to a smart card with a microprocessor. It is an operation platform that manages the resources of the CPU. Its main function is to control the secure exchange of information between the smart card and the outside world through certain data transmission methods and setting of file read and write permissions; receive external commands and complete the pair in the card. The analysis and processing of commands; managing the allocation of memory resources in the smart card to achieve hierarchical management of the file system, each layer has independent security control management, which can truly realize the security management of one card multiple applications and their applications.
After passing the test of the Bank Card Testing Center of the People's Bank of China in 1999, Minghua SmartCOS passed the hard mask inspection of the Bank of China's Bank Card Testing Center and the National Password Management Committee in 2000. This system is a complete computer security system, strictly abides by the "China Financial Integrated Circuit (IC) Card Specification" and ISO7816 standard, and has the advantages of high reliability, security, high intelligence, multi-function, high confidentiality and compatibility. At the same time, it can realize complex security certification process, which can be widely used in the fields of finance, transportation, tax collection, social insurance, and identification. A variety of applications can be created in the SmartCOS smart card to achieve one-card multi-purpose. It provides simple, convenient, fast and complete services for the realization of integrated management of banks, urban public utilities, hospitals, enterprises, campuses, residential quarters, hotels and restaurants.
Second, the main application areas of SmartCOS operating system Minghua SmartCOS application field is very extensive, the use of objects can be divided into: First, for individuals and families; Second, facing institutions such as business organizations.
1. The smart card loaded with SmartCOS used by individuals/families is widely used in the fields of electronic wallet, document information storage and identification, and various utilities (such as water, electricity, gas, property management, cable TV, etc.).
Such as: (1) application in the banking field:
The introduction of bank cards has greatly changed the way banks provide services for customers and the way customers consume. Customers can use cards instead of cash for direct consumption, thus forming a cashless transaction, which can save money, withdraw money or at any time within 24 hours. Transfers have extended the bank's opening hours. However, the traditional bank card uses a magnetic card as a carrier. Due to the limitation of the magnetic card technology level, the magnetic card has a small storage capacity and is easily copied or forged. Therefore, the magnetic card has a problem of difficulty in credit control, and now general transactions require online authorization.
At present, the reliability and security of CPU card technology have been recognized by banks in various countries. It can not only be used to realize the function of bank cards, but also bring a broader application market to banks. For independent banking applications, the CPU card can implement the function of a credit card, instead of the functions of passbook, magnetic card access, transfer, etc., which can be implemented online or offline. It can also be combined with applications in other areas, such as medical insurance, utility charges, etc., to achieve a multi-use of IC cards. This not only broadens the field of banks, but also facilitates applications in other fields. In this combination application, online transactions can be performed online or offline, and authentication and transactions can be completed in the POS terminal. Finally, the data is packaged and transmitted to the bank, and the bank performs unified transfer and clearing.
Minghua SmartCOS is a card operating system that fully complies with the "China Financial Integrated Circuit (IC) Card Specification". It can realize financial applications such as electronic passbooks and e-wallets. All transactions are protected by PIN authentication and mutual authentication to ensure transaction security. At the same time, it has a debit function and can be consumed offline at the POS terminal. The SmartCOS system has anti-plugging function, that is, the card deliberately pulls the card in case of any power failure or artificially during the transaction operation, and the card can ensure that the internal data is not lost. In line with the application of SmartCOS in the banking field, Minghua has developed a complete "key management system", which is designed in strict accordance with the "Planned IC Card Joint Pilot Key Management System Overall Plan" of the People's Bank of China. It can guarantee single-level management of keys (for regional card issuers), and can also implement multi-level management (national card issuers) for different card issuance systems.
(2) Application in social medical insurance management:
The use of smart cards to manage various social insurance information (such as medical care, pension, unemployment, etc.) can ensure the correctness of the implementation of policies, maintain the integrity and unity of individual accounts, effectively protect the legitimate rights and interests of policyholders, and reduce the number of repetitions. Labor, improve work efficiency, and facilitate citizens to seek medical care; especially important, because the patient's medical records are mostly scattered in different hospitals, there is very little information exchange between hospitals, so that when patients suddenly have an emergency, they need urgent medical treatment. At the time, it is difficult to obtain complete and accurate medical records immediately. Many of the work starts from the beginning and often delays the treatment. By using social medical insurance cards instead of medical files, citizens can receive treatment and pay fees in various hospitals in the city, which can effectively solve the above problems, and at the same time help improve the efficiency of hospitals, improve the accuracy of hospital treatment, and simplify the work. At the same time, convenient for the patient.
2. Organizations such as business enterprises and institutions, smart cards loaded with SmartCOS system also have broad application prospects. They can be used as tax cards, and store the company's declaration statements and purchase and declaration invoices in large-capacity cards. As a taxpayer's tax certificate, it effectively controls the taxpayer's tax return behavior and monitors the taxpayer's use of invoices; it can be used as an industrial and commercial registration card to record business registration information and economic contract information, etc., to strengthen the industrial and commercial administration and combat The role of fraud and forgery of documents; can be used as an account opening card granted by the People's Bank of China, as a voucher for opening an account, and record the account opening information of the enterprise, effectively manage and master the opening of the enterprise; can be used as technical supervision and management Cards, corporate loan collections and other similar card certificates, strengthen the management of the government's various functional departments to improve the management level.
Such as: (1) tax collection management:
The use of IC cards can realize the management of corporate tax collection and management. By issuing tax collection and management cards for each enterprise, the taxpayer’s tax registration information, receipt of invoice information and invoice use information, and tax declaration and taxation information are recorded in the card. The unique identity certificate of the taxpayer and the taxation authority, effectively control the taxpayer's tax declaration behavior and monitor the taxpayer's use of the invoice, improve the tax collection and management level, collect tax declaration data in a timely, accurate and fast manner, and ensure the full and timely tax payment. Storage; in this kind of application, it can be used by one card or multiple cards.
(2) Business Administration:
The IC card is used to store the industrial and commercial registration and business license information of the enterprise, and acts as the “electronic ID card†of the enterprise. It proves the legal status of the enterprise when the company engages in business dealings, and plays a role in strengthening the administrative management of industry and commerce and cracking down on fraud and forgery of documents. At the same time, information such as the annual inspection and inspection results of the enterprise can be recorded in the card, so that the industrial and commercial management personnel can check it at any time; and the IC card can be used to pay various industrial and commercial expenses; in this application, one card can be used, or one can be used. Card is used.
In short, SmartCOS is the earliest COS product in China that has passed the People's Bank Hard Mask Test and the National Secret Office certification. It is safe, confidential, reliable, compatible, and has many functions. It can realize complex security certification process and is suitable for people's social life. A wide range of card applications. In addition to the applications mentioned above, SmartCOS can also be used for personal identity card management, shopping consumption, vehicle driver management, public transportation management, utility charges and public service management, securities transaction management, enterprise attendance and payroll management. ......and many more. As a commercial password product, the system not only passed the National Password Management Committee certification in June 2000, but also issued a certificate for the commercial password research institutes and commercial password products production designated units hosted by the National Password Management Committee Office on November 8. At the conference, SmartCOS research and producers – Shenzhen Minghua Aohan Technology Co., Ltd. was approved as “the designated unit for the production of commercial cryptographic productsâ€, becoming the only smart card enterprise in the country to receive this qualification.
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