"SmartCOS" is a CPU card operating system independently developed by Shenzhen Minghua Aohan Technology Co., Ltd. As the core of intelligent IC card application technology, CPU card operating system (COS for short) is produced with the development of integrated circuit card from simple logic circuit to smart card with microprocessor. It is an operating platform that manages CPU resources. Its main functions are: to control the safe exchange of information between the smart card and the outside world through a certain data transmission mode and the setting of file reading and writing permissions; Receiving external commands and completing the analysis and processing of commands in the card; Manage the allocation of memory resources in smart cards and realize hierarchical management of file systems. Each layer has independent security control management, which can truly realize the security management of one-card multi-application and its applications.
Minghua SmartCOS passed the test of Bank Card Testing Center of China People's Bank on 1999, and passed the hard mask test of Bank Card Testing Center of China People's Bank and the certification of National Password Management Committee in 2000. The system is a complete computer security system, which strictly follows the China Financial Integrated Circuit (IC) card specification and ISO78 16 standard, and has the advantages of high reliability, security, high intelligence, multifunction, high confidentiality and good compatibility. At the same time, it can realize complex security authentication process, and can be widely used in financial industry, transportation industry, tax collection and management, social insurance, identity recognition and other fields. SmartCOS smart card can create a variety of applications and realize multi-purpose of one card. To provide simple, convenient, fast and complete services for the integrated management of banks, urban public utilities, hospitals, enterprises, campuses, residential quarters and hotels.
Second, the main application fields of SmartCOS operating system
Minghua SmartCOS is widely used, and its users can be divided into: 1. Individuals and families; Second, facing organizations such as institutions and enterprises.
1. Smart cards loaded with SmartCOS used by individuals/families are widely used in electronic wallets, storage and identification of certificate information, and payment of various public utilities (such as water, electricity, gas, property management, cable TV, etc.). ) and other fields.
For example, the application of (1) in banking field:
The introduction of bank cards has greatly changed the way banks serve customers and their consumption.
In this way, customers can use cards instead of cash for direct consumption, thus forming cashless transactions, and can deposit, withdraw money or transfer money at any time within 24 hours, thus extending the business hours of banks. However, the traditional bank card is based on magnetic card. Due to the limitation of the technical level of magnetic card, the storage capacity of magnetic card is small and it is easy to be copied or forged. Therefore, it is difficult to control the credit of magnetic cards, and now general transactions need online authorization.
At present, the reliability and security of CPU card technology have been recognized by banks all over the world.
Knowledge, which can not only be used to realize the functions of bank cards, but also bring a broader application market to banks. For independent banking applications, CPU card can realize the function of credit card, instead of passbook and magnetic card for access and transfer, which can be realized online or offline. It can also be combined with other fields, such as medical insurance and utility charges. , to achieve a multi-purpose card. This not only broadens the field of banking, but also facilitates its application in other fields. In this combined application, online transactions can be conducted, and authentication and transactions can also be completed off-line at POS terminals. Finally, the data will be packaged and sent to the bank, which will transfer and settle the account in a unified way.
Minghua SmartCOS is a card operating system that fully conforms to the specifications of China Financial Integrated Circuit (IC) card, and can realize financial applications such as electronic passbook and electronic wallet. All transactions are protected by PIN authentication and mutual authentication, which ensures the security of transactions. At the same time, it has debit function and can be consumed offline at POS terminal. SmartCOS system has anti-pull-out function, that is, the card is deliberately pulled out under any power failure or transaction operation, and the card can ensure that the internal data is not lost. In order to cooperate with the application of SmartCOS in the banking field, Minghua Company has developed a complete "key management system". The design of this system is in strict accordance with "Overall Scheme of Key Management System for Bank IC Card Joint Pilot" of China People's Bank. It can not only ensure the single-level management of keys (for regional card issuers), but also achieve multi-level management (for national card issuers), facing different card issuing systems.
(2) Application in social medical insurance management:
Use smart cards to manage all kinds of 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 personal accounts, effectively protect the legitimate rights and interests of policyholders, reduce a lot of repetitive work, improve work efficiency, and facilitate citizens to seek medical treatment; More importantly, because most patients' medical records are scattered in different hospitals, there is little information exchange between hospitals. When patients need emergency treatment for sudden illness, it is difficult to obtain complete and accurate medical records immediately, and many jobs are started from scratch, which often delays treatment. Using social medical insurance card instead of medical records, citizens can receive treatment and pay fees in hospitals in the city, which can effectively solve the above problems, improve hospital efficiency, improve hospital diagnosis and treatment accuracy, simplify work links and facilitate patients.
2, institutions and other organizations, smart cards loaded with SmartCOS system are also available.
It has a broad application prospect and can be used as a tax card. In a large-capacity card, storing the enterprise's declaration report, purchase and invoice declaration information as tax payment vouchers can effectively control the taxpayer's tax declaration behavior and monitor the taxpayer's use of invoices. It can be used as an industrial and commercial registration card to record the industrial and commercial registration information and economic contract information of enterprises, and play a role in strengthening industrial and commercial administration and cracking down on fraudulent and forged documents; It can be used as an account opening card granted by the People's Bank of China, as a voucher for an enterprise to open an account, record the account opening information of the enterprise, and effectively manage and master the account opening situation of the enterprise; It can be used as technical supervision management card, enterprise loan collection card and other similar cards to strengthen the management of enterprises by various government functional departments and improve the management level.
Such as: (1) tax collection and management:
Using IC card can realize the management of enterprise tax collection and management. By issuing tax collection and management cards to enterprises, the taxpayer's tax registration information, invoice receiving information, invoice use information and tax declaration information are recorded in the cards as the only identification of taxpayers dealing with tax authorities, which can effectively control the taxpayer's tax declaration behavior and monitor the taxpayer's use of invoices, improve the management level of tax collection and management, collect tax declaration data timely, accurately and quickly, and ensure the timely and full storage of taxes. In this application, one card can be used, or one card can be used for multiple purposes.
(2) Business administration:
IC card is used to store the business registration and business license information of the enterprise and act as the "electricity" of the enterprise.
Sub-identity card ",which proves the legal identity of enterprises when they engage in business dealings, plays a role in strengthening industrial and commercial administration and cracking down on fraud and forged documents." At the same time, information such as annual inspection and annual inspection results can be recorded in the card, which is convenient for industrial and commercial managers to consult at any time; And can use IC card to calculate and pay various industrial and commercial expenses; In this application, one card can be used, or one card can be used for multiple purposes.
In a word, SmartCOS, as the earliest COS product in China that passed the hard mask test of the People's Bank of China and the certification of the State Secrecy Bureau, is safe, confidential, reliable, compatible and multifunctional, and can realize the complicated security certification process, which is suitable for people's extensive card application in social life. In addition to the application scope mentioned above, SmartCOS can also be applied to personal ID card management, shopping consumption, vehicle driver management, public transportation management, public utility charging and public service management, securities trading management, attendance and salary management of enterprises and institutions, and so on.