Design And Implementation Of Bank Card-based Chip Operating System

With the social development and accelerating pace of life, the bank card has closely combined with varieties of industry applications, and the cooperation model innovates constantly.The bank card function will become continuously enhanced, making it indispensable means of payment in people’s daily life. Currently, the bank cards in our country are mainly magnetic stripe cards, and there are also a small number of smart cards with COS (Chip Operating System, a smart card operating system), but mostly the traditional Native card development mode takes priority in the COS development field. Because of the lack of Native card in cross-platform and multi-application as well as its high difficulty and cost, the Native card has failed to meet the market needs.The Java Card is independent of the platform and supports multiple applications, whoes versatility and openness allows developers throw into different development areas, realizing a genuine multi-application card as well as making it become the best choice for the new generation of Bank Card.In this paper, the smart card operating system is studied and a deep research on Java smart card and application technology is made. By comparing with the current mainstream Native card development mode, the bank card-based chip operating system using Java smart card technology is designed. According to modular design concept in software system design, the system which based on the specification in PBOC1.0includes four modules:transmission management, command interpreter, security management and file system module and the SM4algorithm for data encryption and decryption is innovatively introduced in safety mechanism to ensure the security of the system.Besides, the electronic wallet application, which can achieve credit transation, debit transation, balance inquiry, detailed transaction inquiry and verify PIN is realized based on the system.By doing simulation test of both performance and fuction test with written script file using JCOP plug-in under Eclipse compilation environment, the results verify the efficiency and usability of the system.