CN108269085A - Portable electronic card system and verification method thereof - Google Patents

Abstract

The invention provides a portable electronic card system and a verification method thereof. The portable electronic card system includes: a portable electronic device, a rewritable card and a writing device. The portable electronic device is used for obtaining an authentication code and personal information from a remote control device. After performing a two-way verification communication between the remote control device and the portable electronic device and downloading the personal information, the security code stored on the rewritable card is compared with the security code stored on the portable electronic device for verification and writing the personal information to the rewritable card, and another security code is generated to update or replace the security codes originally stored on the portable electronic device and the rewritable card.

Description

Portable electronic card system and its verification method

technical field

The invention relates to a portable electronic card system and its verification method.

Background technique

A credit card is a medium issued by a bank to its customers for payment. It allows cardholders to prepay for goods and services for them on a payment basis. The issuer of the credit card creates a revolving account and grants the cardholder a line of credit so the cardholder can borrow money to pay merchants or use as a cash advance. Based on an individual's application, banks manufacture and issue credit cards. People usually carry multiple credit cards issued by different banks, which is inconvenient to carry and easy to lose.

Contents of the invention

The invention provides a portable electronic card system. The portable electronic card system includes: a portable electronic device, a rewritable card and a writing device. The portable electronic device is used to obtain an authentication code and a personal information from a database installed in a remote control device outside the portable electronic device. The rewritable card has a rewritable storage device for storing the personal information. The writing device is electrically connected to the portable electronic device and used for writing the personal information to the rewritable card.

Wherein, a two-way authentication communication is performed between the remote control device and the portable electronic device to download the personal information from the remote control device through wireless communication.

Wherein, the portable electronic device includes a security code generating device for generating a first security code to be stored in the portable electronic device and the rewritable card.

Wherein, after the two-way verification communication, the personal information is downloaded from the remote control device to the portable electronic device, and the first security code stored in the rewritable card will be the same as that stored in the The first security code of the portable electronic device is used to verify and write the personal information to the rewritable card, and the security code generation device generates a second security code to update or replace The first security code is stored on the portable electronic device and the rewritable card.

Wherein, the first security code and the second security code are unknown to the applicant originally.

The invention further provides a verification method of the portable electronic card system. The method includes: using a portable electronic device to obtain an authentication code and a personal information from a database of the remote control device through a two-way authentication communication between the remote control device and the portable electronic device, wherein the The remote control device is installed outside the portable electronic device, and a first security code is generated by a security code generating device and stored in the portable electronic device and a rewritable card; after the two-way verification communication, the The personal information is downloaded from the remote control device to the portable electronic device, and the first security code stored on the rewritable card is compared with the first security code stored on the portable electronic device. code to verify; write the personal information to the re-writable card through a writing device electrically connected to the portable electronic device; and generate a second security code through the security code generating device to update Or instead of said first security code stored on said portable electronic device and said rewritable card, wherein said first security code and said second security code are not originally known to the applicant.

Description of drawings

FIG. 1 is a schematic block diagram of a portable electronic card system according to an embodiment of the present invention.

FIG. 2 is a schematic block diagram of a portable electronic device according to an embodiment of the invention.

FIG. 3 is a schematic diagram of a portable electronic device and a writing device according to an embodiment of the present invention.

Fig. 4 is a flow chart of the verification method of the portable electronic card system according to an embodiment of the present invention.

Fig. 5 is a flowchart of a verification method for obtaining personal information according to an embodiment of the present invention.

FIG. 6 is a flow chart of another verification method of the portable electronic card system according to an embodiment of the present invention.

Detailed ways

The protection scope of the present invention is not limited to the specific language descriptions used in the embodiments or schematic diagrams of the present invention. In the embodiments, the same component numbers can be used. When a component is "connected" or "coupled" to another component, it can be directly connected or coupled to the other component or intervening with the other component.

FIG. 1 is a schematic block diagram of a portable electronic card system according to an embodiment of the present invention. The portable electronic card system can be used in credit cards, bank cards, automatic teller cards, membership cards, private identification cards, debit cards or key cards or hybrid smart cards. In one embodiment, the portable electronic card system 10 includes: a portable electronic device 11 , a rewritable card 12 , a writing device 13 and a reading device 14 . The portable electronic device 11 is, for example, a portable electronic device. The rewritable card 12 is, for example, a rewritable plastic card. The portable electronic device 11 obtains an authentication code and a personal information from a database installed in a remote control device 15 outside the portable electronic device 11 through wireless communication. Among them, the wireless communication is, for example, the Internet. The portable electronic device 11 can be a smart phone, a tablet computer or a notebook computer.

In this embodiment, the rewritable card 12 is, for example, a credit card. The remote control device 15 is, for example, located in a credit card company. The writing device 13 is electrically connected to the portable electronic device 11 and used for writing the personal information to the rewritable card 12 . In addition, the portable electronic device 11 includes a security code generating device 11a, wherein the security code generating device 11a is used to generate a first security code to be stored in the portable electronic device 11 and the rewritable card 12 . The security code generating device 11a is, for example, a garbled code generator.

It is worth mentioning that in this embodiment, a two-way verification communication needs to be performed between the remote control device 15 and the portable electronic device 11 to download the personal information.

Moreover, after the two-way authentication communication is completed, the personal information can be downloaded from the remote control device 15 to the portable electronic device 11 . Next, the first security code stored in the rewritable card 12 is compared with the first security code stored in the portable electronic device 11 for verification. After the verification is passed, that is, the first security code stored in the rewritable card 12 is the same as the first security code stored in the portable electronic device 11, the personal information can be written to into the rewritable card 12. Afterwards, the security code generator 11 a will generate a second security code to update or replace the first security code stored in the portable electronic device 11 and the rewritable card 12 . In this embodiment, the first security code and the second security code are not originally known to the applicant or the user.

In detail, the rewritable card 12 has a serial number, and the portable electronic device 11 reads the serial number from the rewritable card 12 through the applicant inputting an application data, and through wireless communication and said remote control device 15 communicates and sends said application data and said serial number to said remote control device 15 to perform said two-way authentication communication between said remote control device 15 and said portable electronic device 11, Further, the personal information is downloaded from the remote control device 15 through wireless communication. Wherein, the serial number of the rewritable card 12 is, for example, a chip serial number unknown to the applicant.

Wherein, when the rewritable card 12 writes the personal information through the writing device 13 for the first time after the two-way verification communication, the serial number of the rewritable card 12 will be It is compared with the serial number stored in the portable electronic device 11 for verification. After the verification is passed, that is, the serial number of the rewritable card 12 is the same as the serial number stored in the portable electronic device 11, the personal information can be written into the rewritable card 12. Enter card 12. Then, the security code generating device 11 a generates the first security code, and then stores it in the portable electronic device 11 and the rewritable card 12 .

In addition, the reading device 14 is electrically connected to the portable electronic device 11 and can read the serial number in the rewritable card 12 . Of course, the reading device 14 can also be used to read the personal information in the rewritable card. Wherein, the writing device 13 and the reading device 14 are, for example, embedded in the portable electronic device 11 .

In a preferred embodiment, the first security code generated by the security code generating device 11 a can be stored in the portable electronic device 11 , the rewritable card 12 and the remote control device 15 . Therefore, when the two-way verification communication is completed and the personal information is downloaded from the remote control device 15 to the portable electronic device 11, the first security code stored in the rewritable card 12 will be Verification is performed by comparing with the first security code stored in the portable electronic device 11 or the first security code stored in the remote control device 15 . After the verification is passed, the first security code stored in the rewritable card 12 is the same as the first security code stored in the portable electronic device 11, or stored in the rewritable card 11. The first security code rewritable to the card 12 is the same as the first security code stored in the remote control device 15 , and the personal information can be written to the rewritable card 12 . Afterwards, the security code generating device 11a will regenerate the second security code to update or replace the first security code stored in the portable electronic device 11, the rewritable card 12 and The remote control device 15.

Same as the previous embodiment, in this embodiment, when the rewritable card 12 is firstly written through the writing device 13 after the two-way verification communication, the rewritable The serial number of the card 12 is compared with the serial number stored in the portable electronic device 11 to perform verification. After the verification is passed, that is, the serial number of the rewritable card 12 is the same as that stored in the portable electronic device 11, the personal information can be written into the rewritable Card 12. Then, the first security code is generated by the security code generating device 11 a and then stored in the portable electronic device 11 , the rewritable card 12 and the remote control device 15 . Wherein, the first security code and the second security code generated by the security code generating device 11a are sent to the remote control device 15 through wireless communication.

As can be seen from the above, in the present invention, the two-way verification communication includes, for example, these steps: after the portable electronic device 11 sends the application data and the serial number to the remote control device 15, it will receive and the portable electronic device 11 returns a password that the applicant does not know originally to the remote control device 15 for verification. Of course, the two-way verification communication may also include these steps: after sending the application data and the serial number to the remote control device, the portable electronic device receives a password and the authentication code; and the portable electronic device Returning the password and the authentication code that the applicant does not know originally to the remote control device for verification, wherein the password and the authentication code are originally unknown to the applicant.

In another preferred embodiment, the portable electronic card system 10 further includes a verification device 16 . The verification device 16 performs a security verification on the rewritable card 12 through a physical connection or a wireless induction. In detail, in this embodiment, the security verification is performed by comparing the second security code stored in the rewritable card 12 with the second security code stored in the remote control device 15 . Therefore, when the rewritable card is a credit card, the second security code stored in the rewritable card 12 will be the same as the second security code stored in the remote control device 15 comparison to perform the security verification. After the safety verification is passed, that is, the second security code stored in the rewritable card 12 is the same as the second security code stored in the remote control device 15, the transaction operation of the credit card will be allowed. Then, the payment transaction of the credit card is completed. In other words, the portable electronic card system 10 of this embodiment can greatly improve the security of using the card.

In particular, when the first security code stored in the remote control device 15 is not updated or replaced by the second security code, the security verification is by comparing the The first security code of 12 and the first security code stored in the remote control device 15 are executed.

FIG. 2 is a schematic block diagram of a portable electronic device according to an embodiment of the invention. Please refer to FIG. 1 and FIG. 2 , in an embodiment, the portable electronic device 11 includes, for example, an application module 111 , a communication module 112 , a program module 113 and a selection module 114 . For example, the portable electronic card system 10 can be applied to a credit card, and people first need to submit application data (including personal data) to the credit card company. In other words, the rewritable card 12 is, for example, a credit card. In addition, the remote control device 15 is, for example, located at the credit card company. The application module 111 inputs the application data and reads the serial number from the rewritable card 12 through the applicant or the user. The communication module 112 is used to communicate with a remote control device 15 located in the credit card company, and send the application data and the serial number to the remote control device 15 through wireless communication. The wireless communication is, for example, the Internet.

The credit card company verifies the application data after receiving the application data and the serial number. Then, after the remote control device 15 verifies the application data, the remote control device 15 generates a password of the applicant, and the portable electronic device 11 receives the password from the remote control device 15 . Wherein, the password is unknown to the applicant originally. The program module 113 may be a software application used in a smartphone, tablet or laptop. The aforementioned security code generating device 11 a is installed in the program module 113 , for example.

In addition, the program module 113 can be used to input the password and send the password to the remote control device 15 . Then, after the remote control device 15 verifies the password, the remote control device 15 will generate the authentication code of the applicant, and the program module 113 can receive the applicant's authentication code from the remote control device 15. The authentication code. The program module 113 can use the authentication code to communicate with the remote control device 15, and after the remote control device 15 verifies the authentication code, the program module 113 downloads the applicant's personal information. Wherein, the authentication code is unknown to the applicant originally.

Specifically, through the two-way verification communication between the remote control device 15 and the portable electronic device 11, the remote control device 15 verifies the password and the authentication code that the applicant does not know originally Afterwards, the personal information can be downloaded from the remote control device 15 to the portable electronic device 11 as mentioned above, and the personal information can be stored and sent to the rewritable card.

Briefly, in this embodiment, the two-way verification communication includes: after the portable electronic device 11 receives the password and the authentication code that the applicant does not know originally from the remote control device 15, the The program module 113 will return the password and the authentication code which the applicant does not know originally to the remote control device 15 for verification.

Furthermore, the portable electronic device 11 can download personal information from databases of remote control devices of various credit card companies according to various applications of users. A plurality of downloaded personal information can be stored in the portable electronic device, so the user can use the selection module 114 of the portable electronic device 11 to select one of the personal information to write to the rewritable card 12.

The rewritable card 12 has a rewritable storage device (not shown in the figure) for storing the personal information. The rewritable storage device of the rewritable card 12 may be at least one magnetic strip or at least one chip. The rewritable card 12 may further include a display screen (not shown in the figure) for displaying some information. For example, bank card number or username. The rewritable card 12 may further include an area for displaying a photo of the user. The rewritable card 12 may further include a barcode or a QR code. The rewritable card 12 can be a credit card, a bank card, an automatic teller machine card, a membership card, a private identification card, a debit card, a key card or a hybrid smart card.

The writing device 13 is electrically connected to the portable electronic device 11 and used for writing the personal information to the rewritable card 12 . In one embodiment, the writing device 13 is electrically connected to the portable electronic device 11 through wireless communication. For example, the remote control device 15 in the credit card company can send the personal information to the writing device 13 , and then write it into the rewritable card 12 through the writing device 13 . The rewritable card 12 can be a credit card.

FIG. 3 is a schematic diagram of a portable electronic device and a writing device according to an embodiment of the present invention. In one embodiment, the portable electronic device 21 is a smart phone, and the portable electronic device 21 includes a front panel 211 and a rear panel 212 . The front panel 211 is a touch panel. The writing device 22 is mounted on the back panel 212 and electrically connected to the portable electronic device 21 . The writing device 22 includes a slot 221 for receiving the rewritable card. The rewritable card can be set in the slot 221 to receive the personal information.

When using the portable electronic card system, the portable electronic device can obtain multiple personal information from multiple databases, and then the writing device can write one of the personal information into the portable electronic device according to the user's selection. Repeat writing to the card. For example, if the user wants to use a credit card issued by X credit card company (hereinafter referred to as "X"), the user can use the portable personal electronic device to select the personal information in X, and send the personal information of X to the writing device. Then, the writing device writes X's personal information to the rewritable card. The rewritable card is available as a credit card approved by X Credit Card Company for payment of goods and services.

In addition, if the user wants to use a credit card issued by Y credit card company (hereinafter referred to as "Y"), the user can use the portable personal electronic device to select the personal information in Y, and send the Y personal information to the writing device. Then, the writing device writes Y's personal information to the rewritable card to cover X's personal information. The rewritable card can then become a credit card allowed by Y credit card company, and can be used to pay for goods and services.

Therefore, the rewritable card can be used as a credit card allowed by various credit card companies. Users do not need to carry a large number of credit cards and can utilize the rewritable cards of the portable electronic card system to replace multiple credit cards. Furthermore, according to various personal information, the rewritable card can be regarded as a bank card, ATM card, membership card, private identification card, debit card or key card.

Please refer to FIG. 1 , the reading device 14 is electrically connected to the portable electronic device 11 for reading the personal information 12 in the rewritable card. In one embodiment, the reading device 14 is electrically connected to the portable electronic device 11 via wireless communication. The personal information may be sent to the portable electronic device 11 . The user can know the personal information in the rewritable card 12 through the portable electronic device 11, and decide whether the personal information should be changed.

In a preferred embodiment, the writing device 13 and the reading device 14 are embedded in the portable electronic device 11 , and both may be components of the portable electronic device 11 . Referring to FIG. 3 , the reading device can be embedded in the writing device 22 and is a part of the writing device 22 . That is, the writing device 22 with the reading device can read the personal information in the rewritable card.

Fig. 4 is a flow chart of the verification method of the portable electronic card system according to an embodiment of the present invention. Please refer to step S41, using a portable electronic device to obtain an authentication code and a personal information from a database through wireless communication, such as the Internet. Please refer to step S42, using a writing device to write the personal information into a rewritable card. The rewritable card with the personal information is ready to use. Please refer to step S43, the method of this embodiment further includes reading the personal information in the rewritable card.

Fig. 5 is a flowchart of a verification method for obtaining personal information according to an embodiment of the present invention. Please refer to step S51 to input application data. In detail, the user can input application data or fill in an application form through the portable electronic device. Then, please refer to step S52, communicate with a remote control device through the Internet and transmit the application data to the remote control device. Then, please refer to step S53, after the remote control device verifies the application data, the password of the remote control device is received. That is, after the remote control device verifies the application data, the portable electronic device receives a password sent from the remote control device. Then, please refer to step S54, input the password and transmit the password to the remote control device. That is, the password is entered by the portable electronic device, and the password is sent to the remote control device. Then, please refer to step S55, after the remote control device verifies the password, the authentication code of the remote control device is received. That is, after the remote control device verifies the password, the portable electronic device receives the authentication code sent from the remote control device. Finally, please refer to step S56, after the remote control device verifies the authentication code, the personal information is downloaded. Therefore, the portable electronic device can obtain personal information from the remote control device, and the personal information can be written to the rewritable card.

FIG. 6 is a flow chart of another verification method of the portable electronic card system according to an embodiment of the present invention. Please refer to step S61, using a portable electronic device to obtain an authentication code and a personal information from a database through a two-way verification communication between the remote control device and the portable electronic device, and a first security code through a security A code generating means generates and stores in said portable electronic device and a rewritable card. Please refer to step S62, after the two-way verification communication, the personal information is downloaded to the portable electronic device, and the first security code stored in the rewritable card is compared with the first security code stored in the portable electronic device. The first security code of the device for verification. Please refer to step S63, writing the personal information to the rewritable card through a writing device. Please refer to step S64, a second security code is generated by the security code generating device to update or replace the first security code stored in the portable electronic device and the rewritable card.

In this embodiment, the rewritable card has a serial number that the applicant does not know, and the step of obtaining the authentication code and the personal information from the database includes: using the portable electronic device by the applicant to inputting an application data and reading the serial number from the rewritable card; connecting the portable electronic device and the remote control device through wireless communication; and transmitting the application data and the remote control device located in the portable electronic device the serial number to the remote control device to perform the two-way authentication communication between the remote control device and the portable electronic device, and to download the personal information from the remote control device by wireless communication.

In another preferred embodiment, the first security code generated by the security code generating device can also be stored in the portable electronic device, the rewritable card and the remote control device. In the verification method of the portable electronic card system in this embodiment, the first security code stored in the rewritable card is combined with the first security code stored in the portable electronic device or The first security code at the remote control is compared for verification. After the verification is passed, the first security code stored in the rewritable card is the same as the first security code stored in the portable electronic device, or stored in the rewritable If the first security code entered into the card is the same as the first security code stored in the remote control device, the personal information can be written into the rewritable card. Afterwards, the security code generating device generates the second security code to update or replace the first security code stored in the portable electronic device, the rewritable card and the remote control device. Wherein, the first security code and the second security code generated by the security code generating device will be sent to the remote control device through wireless communication.

In another preferred embodiment, the verification method of the portable electronic card system further includes a method of performing a security verification between a verification device and the rewritable card through a physical connection method or a wireless induction method step. Wherein, in this embodiment, the security verification is performed by comparing the second security code stored in the rewritable card with the second security code stored in the remote control device. On the other hand, when the first security code stored in the remote control device is not updated or replaced by the second security code, this embodiment can compare the The first security code and the first security code stored in the remote control device are used to perform the security verification.

However, the above-mentioned embodiments are only to illustrate the principles and effects of the present invention, not to limit the present invention. Therefore, those skilled in the art can make modifications and changes to the above embodiments without departing from the spirit of the present invention. The scope of rights of the present invention should be as listed in the claims.

Claims (20)

1. a kind of portable electronic card system, which is characterized in that including：

One portable electronic device, to obtain an authentication code and a personal information from a database, the installing DB exists A remote control apparatus outside the portable electronic device；And

One writing station is electrically connected to the portable electronic device and the personal information is written to a repeatable write-in card Piece；

Wherein, bi-directional verification communication is performed between the remote control apparatus and the portable electronic device, to pass through Wireless communication downloads the personal information from the remote control apparatus；

Wherein, the portable electronic device includes a safety code generation device, to generate one first safety code to store The portable electronic device and the repeatable write-in card；

Wherein, after the bi-directional verification communicates, the personal information downloads to described portable from the remote control apparatus Formula electronic device, and be stored in the first safety code meeting of the repeatable write-in card and be stored in the portable electronic First safety code of device compares, and to verify, and the personal information is written to the repeatable write-in card, and institute State safety code generation device generate one second safety code come update or replace be stored in the portable electronic device and it is described can It is repeatedly written first safety code of card；

Wherein, first safety code and second safety code are that applicant is originally ignorant.

2. portable electronic card system according to claim 1, which is characterized in that the repeatable write-in card has one Serial number, and the portable electronic device inputs a request for data by applicant and reads institute from the repeatable write-in card State serial number and the remote control apparatus communicate by radio communication, and send the request for data and the serial number to The remote control apparatus, to perform the bi-directional verification between the remote control apparatus and the portable electronic device Communication, and by radio communication the personal information is downloaded from the remote control apparatus；

Wherein, the serial number of the repeatable write-in card is that applicant is originally ignorant.

3. the portable electronic card system according to claim 2, which is characterized in that when the repeatable write-in card is in institute When stating bi-directional verification communication will be written into later by said write device for the first time, the sequence of the repeatable write-in card It number can be compared with the serial number for being stored in the portable electronic device, to verify, and the personal information be written To the repeatable write-in card, and to generate first safety code described portable to be stored in for the safety code generation device Formula electronic device and the repeatable write-in card.

4. the portable electronic card system according to claim 2, which is characterized in that the safety code generation device generates institute The first safety code is stated to store the portable electronic device, the repeatable write-in card and the remote control apparatus；

Wherein, after the bi-directional verification communicates, the personal information downloads to described portable from the remote control apparatus Formula electronic device, and be stored in the first safety code meeting of the repeatable write-in card and be stored in the portable electronic First safety code of device or being stored in first safety code of the remote control apparatus is compared, to test Card, and the personal information is written to the repeatable write-in card, and the safety code generation device can generate described second Safety code is stored in the portable electronic device, the repeatable write-in card and the remote control to update or replace First safety code of device.

5. the portable electronic card system according to claim 4, which is characterized in that when the repeatable write-in card is in institute When stating bi-directional verification communication will be written into later by said write device for the first time, the sequence of the repeatable write-in card It number can be compared with the serial number for being stored in the portable electronic device, to verify, and the personal information be written To the repeatable write-in card, and to generate first safety code described portable to be stored in for the safety code generation device Formula electronic device, the repeatable write-in card and the remote control apparatus；

Wherein, first safety code and second safety code generated by the safety code generation device can be by wireless Communication is sent to the remote control apparatus.

6. the portable electronic card system according to claim 4, further includes a verification device, the verification device passes through one Entity connection mode or a wireless induction mode perform a safety verification to the repeatable write-in card.

7. the portable electronic card system according to claim 6, which is characterized in that be stored in by comparing described repeatable Second safety code of card is written and is stored in second safety code of the remote control apparatus to perform the peace Full verification；

Wherein, when be stored in first safety code of the remote control apparatus not by second safety code update or Substitution is stored in first safety code of the repeatable write-in card and is stored in the remote control apparatus by comparing First safety code perform the safety verification.

8. the portable electronic card system according to claim 2, which is characterized in that the bi-directional verification communication includes：

After sending the request for data and the serial number to the remote control apparatus, the portable electronic device can be from institute It states remote control apparatus and receives applicant's ignorant password originally；And

The portable electronic device returns the applicant, and ignorant password is tested to the remote control apparatus originally Card.

9. the portable electronic card system according to claim 2, which is characterized in that the bi-directional verification communication includes：

After the portable electronic device sends the request for data and the serial number to the remote control apparatus, it is described just Portable electronic apparatus can receive a password and the authentication code from the remote control apparatus；And

The portable electronic device returns applicant's ignorant password of script and the authentication code to the long-range control Device processed is verified；

Wherein, the password and the authentication code are that applicant is originally ignorant.

10. the portable electronic card system according to claim 2, which is characterized in that the portable electronic device includes：

One application module, to input the request for data by applicant and read the sequence from the repeatable write-in card Number；

One communication module to communicate with the remote control apparatus, and sends the request for data by radio communication It, can be from described when the request for data is verified by the remote control apparatus with the serial number to the remote control apparatus Remote control apparatus receives a password, wherein the password is that applicant is originally ignorant；And

One program module, to input applicant's ignorant password, and send the password to the long-range control originally Device processed, when the password is verified by the remote control apparatus, meeting receives the authentication code from the remote control apparatus, Then it sends the authentication code to be verified to the remote control apparatus, not know originally wherein the authentication code is applicant ,

Wherein, it is communicated by the bi-directional verification between the remote control apparatus and the portable electronic device, and by It, can be from the long-range control after the remote control apparatus verification applicant ignorant password of script and the authentication code Device processed downloads the personal information to the portable electronic device, and stores the personal information and send the personal letter Cease the repeatable write-in card；

Wherein, the bi-directional verification communication includes：When the portable electronic device, reception applicant is originally ignorant described Password and the authentication code, the described program module passback applicant ignorant password of script and the authentication code are described in Remote control apparatus is verified.

11. the portable electronic card system according to claim 1, which is characterized in that further include a reading device, be electrically connected To the portable electronic device, and read the personal information in the repeatable write-in card；

Wherein, said write device and the reading device are embedded in the portable electronic device.

12. the portable electronic card system according to claim 1, which is characterized in that the repeatable write-in card has One to store the repeatable write storage device of the personal information, the repeatable write-in of the repeatable write-in card Storage device includes an at least magnetic stripe or at least one chip, and the repeatable write-in card is a repeatable write-in plastics Card.

13. the portable electronic card system according to claim 1, which is characterized in that said write device includes a slot, For accommodating the repeatable write-in card, and the repeatable write-in card is treated as credit card, bank card, automated teller Card, member card, private identification card, debit card or key card.

14. a kind of verification method of portable electronic card system, which is characterized in that including:

It is tested using a portable electronic device by the way that one between a remote control apparatus and the portable electronic device is two-way Card communication obtains an authentication code and a personal information from a database of the remote control apparatus, wherein the remote control fills It puts outside the portable electronic device, and one first safety code generates to be stored in by a safety code generation device The portable electronic device and a repeatable write-in card；

After the bi-directional verification communicates, the personal information downloads to the portable electronic from the remote control apparatus Device, and compare first safety code for being stored in the repeatable write-in card and be stored in the portable electronic device First safety code to be verified；

The writing station for being electrically connected to the portable electronic device by one is written the personal information and is write to described repeat Enter card；And

One second safety code is generated by the safety code generation device and is stored in the portable electronic dress to update or replace First safety code with the repeatable write-in card is put, wherein first safety code and second safety code are Shens It asks someone originally ignorant.

15. according to the method for claim 14, which is characterized in that there is the repeatable write-in card applicant not know A serial number, the step of obtaining the authentication code and the personal information from the database includes:

It inputs a request for data using the portable electronic device by applicant and is read from the repeatable write-in card Take the serial number；

The portable electronic device and the remote control apparatus are connected by radio communication；And

Position is sent in the request for data of the portable electronic device and the serial number to the remote control apparatus, with Perform bi-directional verification communication between the remote control apparatus and the portable electronic device, and by radio communication from The remote control apparatus downloads the personal information.

16. according to the method for claim 15, which is characterized in that when the repeatable write-in card is in the bi-directional verification When being written into for the first time by said write device after communication, the serial number meeting and storage of the repeatable write-in card It is compared in the serial number of the portable electronic device, to verify, and the personal information is written can be weighed to described It makes carbon copies into card, and the safety code generation device can generate first safety code to be stored in the portable electronic device With the repeatable write-in card.

17. according to the method for claim 15, wherein the safety code generation device generates first safety code to deposit Store up the portable electronic device, the repeatable write-in card and the remote control apparatus；

Wherein, after the bi-directional verification communicates, the personal information downloads to described portable from the remote control apparatus Formula electronic device, and be stored in the first safety code meeting of the repeatable write-in card and be stored in the portable electronic First safety code of device or being stored in first safety code of the remote control apparatus is compared, to test Card, and the personal information is written to the repeatable write-in card, and the safety code generation device can generate described second Safety code is stored in the portable electronic device, the repeatable write-in card and the remote control to update or replace First safety code of device；

Wherein, when the repeatable write-in card will pass through said write device quilt for the first time after the bi-directional verification communicates During write-in, the serial number meeting of the repeatable write-in card and the serial number progress for being stored in the portable electronic device Compare, to verify, and the personal information is written to the repeatable write-in card, and the safety code generation device can give birth to It is filled into first safety code with being stored in the portable electronic device, the repeatable write-in card and the remote control It puts；

Wherein, first safety code and second safety code generated by the safety code generation device can be by wireless Communication is sent to the remote control apparatus.

18. it according to the method for claim 17, further includes and is existed by an entity connection mode or a wireless induction mode A step of safety verification being performed between one verification device and the repeatable write-in card；

Wherein, it is stored in second safety code of the repeatable write-in card by comparing and is stored in the remote control Second safety code of device performs the safety verification；

Wherein, when be stored in first safety code of the remote control apparatus not by second safety code update or Substitution is stored in first safety code of the repeatable write-in card and is stored in the remote control apparatus by comparing First safety code perform the safety verification.

19. according to the method described in claim 15, which is characterized in that the bi-directional verification communication includes：

After sending the request for data and the serial number to the remote control apparatus, the portable electronic device receives one Password and the authentication code；And

The portable electronic device returns applicant's ignorant password of script and the authentication code to the long-range control Device processed is verified；

Wherein, the password and the authentication code are that applicant is originally ignorant.

20. according to the method for claim 15, which is characterized in that the portable electronic device includes：

One application module, to input the request for data by applicant and read the sequence from the repeatable write-in card Number；

One communication module to communicate with the remote control apparatus, and sends the request for data by radio communication It, can be from described when the request for data is verified by the remote control apparatus with the serial number to the remote control apparatus Remote control apparatus receives a password, wherein the password is that applicant is originally ignorant；And

One program module, to input applicant's ignorant password, and send the password to the long-range control originally Device processed, when the password is verified by the remote control apparatus, meeting receives the authentication code from the remote control apparatus, Then it sends the authentication code to be verified to the remote control apparatus, not know originally wherein the authentication code is applicant ,

Wherein, it is communicated by the bi-directional verification between the remote control apparatus and the portable electronic device, and by It, can be from the long-range control after the remote control apparatus verification applicant ignorant password of script and the authentication code Device processed downloads the personal information to the portable electronic device, and stores the personal information and send the personal letter Cease the repeatable write-in card；

Wherein, the bi-directional verification communication includes：When the portable electronic device, reception applicant is originally ignorant described Password and the authentication code, the described program module passback applicant ignorant password of script and the authentication code are described in Remote control apparatus is verified.