CN103021082A - IC (Integrated Circuit) card transaction method and IC card - Google Patents
IC (Integrated Circuit) card transaction method and IC card Download PDFInfo
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- CN103021082A CN103021082A CN2012105397920A CN201210539792A CN103021082A CN 103021082 A CN103021082 A CN 103021082A CN 2012105397920 A CN2012105397920 A CN 2012105397920A CN 201210539792 A CN201210539792 A CN 201210539792A CN 103021082 A CN103021082 A CN 103021082A
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Abstract
The invention relates to the field of an IC (Integrated Circuit), in particular to an IC card transaction method and an IC card. The method comprises the steps of: before transaction of the IC card, judging whether a payment switch is switched on or not; if not, receiving a switching-on command and switching on the payment switch; and carrying out transaction. The IC card provided by the embodiment of the invention comprises a receiving unit for judging whether the payment switch is switched on or not before transaction of the IC card, wherein if the payment switch of the IC card is not switched on, the receiving unit receives the switching-on command; a starting unit for switching on the payment switch of the IC card according to the switching-on command; and a transaction unit for carrying out transaction. According to the method and IC card, a card holder can set and then transact before any transactions and actively controls the transactions, so that, not only is the benefit of the card holder ensured and fund in the card prevented from being stolen, but also the card holder actively prevents illegal stealing behaviors so as to find and restrain immediately.
Description
Technical field
The present invention relates to integrated circuit (IC:Integrated Circuit) technical field, particularly a kind of IC-card method of commerce and IC-card.
Background technology
In the present existing financial IC card payment flow, especially based on the stored value card of off-line trading, the payment flow of electronic cash, the user following risk can occur in using IC-card sheet process:
1, card risk of missing; Usually after the client loses card; even done immediately handling of card loss; blacklist is processed and is still had latency issue (blacklist generally approximately is decided to be in 48 hours to the time-delay of the transmission of terminal), if client's IC-card sheet does not have cryptoguard yet, the risk of then losing the amount of money in the card is larger.
2, for electronic cash card, owing to can not reporting the loss after the card loss, if therefore lose card, the client not only can lose the remaining sum in the card, and simultaneously owing to the characteristic of depositing from moving-coil, the client also can continue to lose the interior fund of backstage capital account.
3, the holder in the time of can leaving holder's sight line in payment process owing to maloperation or illegal operation, the especially card of trade company, causes deducted amount greater than the situation of actual value in process of exchange, brings unnecessary dispute to the client.
4, can only the risk control parameter be set by card issuer (bank or other card sending mechanism), so holder such as need change parameter information, need to locate arrange or revise to the card issuer, brought great inconvenience to the holder.
Summary of the invention
The embodiment of the invention provides a kind of IC-card method of commerce and IC-card, after be used for solving the prior art card and losing, the risk of the interior amount of money of existence loss card and holder need to arrive the card issuer place risk parameter is arranged or revises, and have brought the problem of the deuce to pay to the holder.
In the embodiment of the invention, provide a kind of IC-card method of commerce, the method comprises:
IC-card judges whether the payment switch of described IC-card is opened before concluding the business;
If described payment switch less than opening, then receives open command and opens the payment switch of described IC-card;
Conclude the business.
Above-mentioned IC-card method of commerce, wherein,
The payment switch of opening described IC-card according to described open command comprises: the pay status of described payment switch is set to the first designated value.
Above-mentioned IC-card method of commerce, wherein, described method also comprises: described IC-card is carried out authentication, after described authentication is passed through, receive described open command.
Above-mentioned IC-card method of commerce, its, carry out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition.
Above-mentioned IC-card method of commerce, wherein, before concluding the business, described method also comprises: judge whether the transaction data of described IC-card surpasses the threshold value of risk parameter;
When described transaction data surpasses the threshold value of described risk parameter, stop the concurrent Fail Transaction information of sending of transaction to merchant tenninal.
Above-mentioned IC-card method of commerce, wherein, described method also comprises: set the threshold value of described risk parameter and/or send described open command to described IC-card by user terminal.
Above-mentioned IC-card method of commerce, wherein, described IC-card is the visual intelligent IC-card, directly sets the threshold value of described risk parameter and/or sends described open command to described IC-card by described visual intelligent IC-card.
Above-mentioned IC-card method of commerce, wherein, described risk parameter comprises turnover amount and/or transaction count.
Above-mentioned IC-card method of commerce wherein, is finished information by transaction and is closed described payment switch; Perhaps close described payment switch by receiving shutdown command; Perhaps when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.
Above-mentioned IC-card method of commerce, wherein,
Closing described payment switch comprises: the pay status of described payment switch is set to the second designated value.
The embodiment of the invention also provides a kind of IC-card, and wherein, described IC-card comprises:
Receiving element is used for judging before concluding the business whether the payment switch of IC-card is opened, if the payment switch of described IC-card is not opened, then receives open command;
Start unit is for the payment switch of opening described IC-card according to described open command;
Conclude the business in the transaction unit.
Above-mentioned IC-card, wherein, the pay status that described start unit specifically is used for described payment switch is set to the first designated value.
Above-mentioned IC-card, wherein, described IC-card also comprises:
The authentication unit is used for described IC-card is carried out authentication, after described authentication is passed through, receives described open command.
Above-mentioned IC-card, wherein, described IC-card also comprises:
The authentication unit is used for described IC-card is carried out authentication, after described authentication is passed through, receives described open command.
Above-mentioned IC-card, wherein, described authentication unit carries out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition.
Above-mentioned IC-card, wherein, described IC-card also comprises:
The first judging unit is used for before concluding the business, and judges whether the transaction data of described IC-card surpasses the threshold value of risk parameter;
Transmitting element is used for when described transaction data surpasses the threshold value of described risk parameter, sends Fail Transaction information to merchant tenninal.
Above-mentioned IC-card wherein, is characterized in that setting the threshold value of described risk parameter and/or sending described open command to described IC-card by user terminal.
Above-mentioned IC-card, wherein, described IC-card is the visual intelligent IC-card, directly sets the threshold value of described risk parameter and/or sends described open command to described IC-card by described visual intelligent IC-card.
Above-mentioned IC-card, wherein, described risk parameter comprises turnover amount and/or transaction count.
Above-mentioned IC-card, wherein, described IC-card also comprises:
Closing unit is used for finishing information by transaction and closes described payment switch; Perhaps close described payment switch by receiving shutdown command; Perhaps when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.
Above-mentioned IC-card, wherein, close described payment switch and comprise: the pay status of described payment switch is set to the second designated value.
IC-card method of commerce and IC-card that the embodiment of the invention provides, by IC before concluding the business, elder generation is concluded the business by the payment switch that the holder opens IC-card again, come the ACTIVE CONTROL transaction to carry out by the holder, holder's interests have not only been guaranteed, prevent that the fund in the card is stolen, by illegally stolen the mode of the behavior of card by holder's active protection, can find early and prevent the behavior simultaneously.
Description of drawings
Accompanying drawing described herein is used to provide a further understanding of the present invention, consists of the application's a part, does not consist of limitation of the invention.In the accompanying drawings:
Fig. 1 is the process flow diagram of a kind of IC-card method of commerce in the embodiment of the invention;
Fig. 2 is the process flow diagram of a kind of IC-card method of commerce in another embodiment of the present invention;
Fig. 3 is the structural representation of a kind of IC-card in the embodiment of the invention;
Fig. 4 is the structural representation of another kind of IC-card in the embodiment of the invention.
Embodiment
For making the purpose, technical solutions and advantages of the present invention clearer, below in conjunction with accompanying drawing the embodiment of the invention is described in further detail.At this, illustrative examples of the present invention and explanation thereof are used for explanation the present invention, but not as a limitation of the invention.
The embodiment of the invention provides a kind of IC-card method of commerce, and as shown in Figure 1, described method comprises:
In a kind of better mode of the embodiment of the invention, also comprise step 104, close described payment switch; Concrete, after Transaction Success, be set to the second designated value according to the pay status of the described payment switch of the information of Transaction Success.After holder's single Transaction Success, according to the information that transaction is finished, this pay status resets to the second designated value automatically, and this moment, IC-card entered again closed condition.Therefore before each this IC-card of use is concluded the business in one embodiment of the invention, all need pay status is arranged, like this as card holder away from keyboard or when losing, not only guarantee the safety of Igor Kanygin volume, also can not lose because of the characteristic of depositing from moving-coil the fund in the account of backstage simultaneously.
Above-mentioned IC-card method of commerce also provides in the preferred embodiment, and the first designated value and second designated value of this pay status are respectively 0 and 1, that is to say, when the pay status of IC-card was set to 0, the holder can carry out transaction flow; When the pay status of IC-card was set to 1, IC-card did not carry out any transaction flow.Certainly, this first designated value and the second designated value can be any form that can realize the object of the invention, not limited by the embodiment of the invention.
The method that provides by above-described embodiment increases the payment switch in IC-card, the holder can select first through the setting of payment switch is concluded the business again before carrying out any transaction, come the ACTIVE CONTROL transaction to carry out by the holder, holder's interests have not only been guaranteed, prevent that the fund in the card is stolen, by illegally stolen the mode of the behavior of card by holder's active protection, can find early and prevent the behavior simultaneously.
As mentioned above, in the IC-card method of commerce of the present invention, in its a kind of optional embodiment, after described payment transaction was finished, whether its payment switch autoshutdown, also can determine setting in advance of IC-card according to the holder; When adapting to that needs frequently use this IC-card to conclude the business in the short time, the function of autoshutdown payment switch after IC-card is set to not enable transaction and finishes in advance, and the state of maintenance payment switch open, be convenient to the operation of concluding the business frequently, minimizing repeats to open the operation of payment switch when the special deal demand, when the holder need to close the payment switch, can close by sending shutdown command.Simultaneously, in order to prevent that the holder is behind the state that the payment switch that has set in advance IC-card can not cut out and be held open after transaction is finished, finish and forget after all transaction the payment switch is set to cut out again, better, when whether the automatic closing function that sets in advance the payment switch is opened, can also have and be set in the automatic closing function of setting non-payment switch in scope interval time, after setting interval time, the automatic closing function of IC-card payment switch will be opened again, can prevent like this, just that the holder from concluding the business forgets the automatic closing function that the payment switch is set after finishing and the unnecessary loss that causes.
The method of commerce of above-mentioned IC-card provides in the preferred embodiment, and described method also comprises: described IC-card is carried out authentication, after described authentication is passed through, receive described open command.Better; the method of commerce of above-mentioned IC-card provides in the preferred embodiment; at least in the following manner carry out one of described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition have further guaranteed security and the reliability of IC-card transaction.
The method of commerce of above-mentioned IC-card provides in the preferred embodiment, and is better, and risk parameter can be the turnover amount, and described like this method also comprises: whether the turnover of judging described IC-card surpasses turnover amount threshold value; When described turnover surpasses described turnover amount threshold value, stop the concurrent Fail Transaction information of sending of transaction to merchant tenninal; When described turnover does not surpass described turnover amount threshold value, open described payment switch.Generally, when the holder carries out bankcard consumption, needing that card is transferred to trade company swipes the card, especially card is in the situation that leave holder's sight line in the payment process, probably because illegal operation or the dealing money input error of trade company, cause deducted amount greater than the situation of actual value, especially need not to input in the situation of password, the client can't take precautions against the generation of this type of risk in advance.Therefore the embodiment of the invention provides said method, the holder can arrange turnover amount threshold value in IC-card, after IC-card receives open command, whether the amount of money of judging first payment exceeds the turnover amount threshold value of setting, if when surpassing, then do not open the payment switch and carry out transaction flow, but can notify merchant tenninal to pay unsuccessfully, and judge in the flow process at this, need not the in-line processing with the card issuer, the reciprocal process of only having card and merchant tenninal not only can be avoided the generation of above-mentioned situation, has also reduced the process of carrying out telecommunication with card issuer's terminal simultaneously.Better, this turnover amount threshold value can also comprise the single amount higher limit of each transaction and the accumulative total amount higher limit in the certain hour scope, for example, when single consumption surpassed single amount higher limit, card stopped transaction; When single consumption surpassed single amount higher limit, whether the consumption total value of judging again the same day surpassed the accumulative total higher limit of concluding the business, and just carries out the subsequent transaction process when all surpassing after the judgement.This turnover amount threshold value can be made amendment at any time by the user terminal with card-reading function simultaneously, go to card sending mechanism to revise and need not the holder, brought for holder's bankcard consumption safe and convenient, so that the holder can the ACTIVE CONTROL transaction risk.
In another preferred embodiment that above-mentioned IC-card method of commerce provides, better, risk parameter can be transaction count, can also judge before the payment switch of opening described IC-card according to described open command whether the transaction count of IC-card surpasses the number of times threshold value; When described transaction count surpasses described number of times threshold value, stop the concurrent Fail Transaction information of sending of transaction to merchant tenninal; When described transaction count does not surpass described number of times threshold value, open described payment switch.The method that provides by this embodiment, the holder can arrange the transaction count threshold value in IC-card, after IC-card receives open command, whether the transaction count of judging first payment exceeds the number of times threshold value of setting, if when surpassing, then do not open the payment switch and carry out transaction flow, but can notify merchant tenninal to pay unsuccessfully.When described transaction count does not surpass the number of times threshold value of setting, then can carry out next step payment process.This number of times threshold value can directly be made amendment by the user terminal with card-reading function at any time simultaneously, go to card sending mechanism to revise and need not the holder, perhaps directly use visual standard intellective IC card, itself has had button, embedded battery and display screen on this card, and can off line independently use, the holder directly arranges and revises above-mentioned threshold value by this visual standard intellective IC card, thereby brought safe and convenient for holder's bankcard consumption, simultaneously when card is stolen, the transaction count of having controlled within a certain period of time.
Among the embodiment of IC-card method of commerce provided by the present invention, better, described method also comprises: finish information by transaction and close described payment switch; Perhaps close described payment switch by receiving shutdown command; Perhaps when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.Better, close described payment switch and comprise: the pay status of described payment switch is set to the second designated value.
Concrete, when for the threshold value that whether meets or exceeds risk parameter by the transaction data of judging described IC-card being: when described transaction data meets or exceeds the threshold value of risk parameter, close described payment switch; When described transaction data does not reach the threshold value of risk parameter, keep the unlatching of described payment switch.Concrete, described risk parameter can be the turnover amount, namely when described turnover surpasses turnover amount threshold value, closes described payment switch; Better, this turnover amount threshold value is the accumulative total amount higher limit in the certain hour scope.
Among the embodiment of another kind of IC-card method of commerce provided by the present invention, the risk parameter in the described method also comprises: transaction count; Concrete, the method judges also whether the transaction count of described IC-card reaches the number of times threshold value; When described transaction count reaches described number of times threshold value, close described payment switch; When described transaction count does not reach described number of times threshold value, keep the unlatching of described payment switch.Above-mentioned deterministic process can be carried out separately or be carried out after the step of judging turnover, after need not so each Transaction Success, by the judgement of transaction limit and transaction count dynamically being controlled closing of payment switch, need not when each transaction pay status to be arranged, it is convenient that this mode has been brought to it in holder's use procedure.
Below, the present invention will represent risk parameter as concrete example with turnover amount and transaction count, but this case is not as limit; Described risk parameter also can be other value.Concrete, as shown in Figure 2, the method comprises:
Step 202 judges whether the transaction count of described IC-card surpasses the transaction count threshold value; When described transaction count surpasses described transaction count threshold value, enter step 203; When described transaction count does not surpass described transaction count threshold value, enter step 204;
Step 203 stops the concurrent Fail Transaction information of sending of transaction to merchant tenninal;
Step 204 judges whether the payment switch of IC-card is opened; If, then enter step 206, then enter if not step 205;
Step 205 receives open command and opens the payment switch of IC-card; This open command can be to carry any type of message or the signal of set information;
Step 206 is concluded the business.
In the method that above-described embodiment provides, whether whether the turnover of judging successively described IC-card surpass the transaction count threshold value above turnover amount threshold value and transaction count, when any one judges the condition of the setting of not satisfying the holder, all enter step 203, stop the concurrent Fail Transaction information of sending of transaction to merchant tenninal, guaranteed so largely the safety of IC-card, and the holder grasps the consumption of card at any time.Concrete determination methods and previous embodiment are similar in the present embodiment, therefore no longer give unnecessary details.
By the payment switch of the embodiment of the invention by the intelligent terminal control card of binding IC-card, not only can in time grasp the consumption of card, find the unusual transaction of card, reduced the risk of the amount of money in the loss card, because the holder can independently carry out setting and the modification of parameter, make normal use card process very easy simultaneously.
Aforesaid IC-card method of commerce of the present invention, concrete, it can be finished information by transaction and close described payment switch; Perhaps close described payment switch by receiving shutdown command; Or when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.By number of ways the opening and closing of payment switch are controlled, better protected holder's transaction security.
The embodiment of the invention also provides a kind of IC-card, and as shown in Figure 3, this IC-card comprises:
Receiving element 301 is used for judging before concluding the business whether the payment switch of IC-card is opened, if the payment switch of described IC-card is not opened, then receives open command; The open command that this receiving element 301 receives can be to carry any type of message or the signal of set information;
Better, IC-card of the present invention can also comprise a closing unit in its concrete embodiment, be used for closing described payment switch after Transaction Success.Concrete, when the pay status of start unit 302 described payment switches was set to open, the holder concluded the business, after this transaction finishes, the information closing unit of finishing according to transaction can reset to this pay status closes, and this moment, IC-card entered again closed condition.
Therefore before concluding the business with this IC-card at every turn, all need pay status is arranged, as card holder away from keyboard or when losing, not only guarantee the safety of Igor Kanygin volume like this, also can not lose because of the characteristic of depositing from moving-coil the fund in the account of backstage simultaneously.
In the above-described embodiments, better, above-mentioned pay status can be set to opening by its default value of user terminal, the holder is within a certain period of time as needing frequently transaction like this, need not closing unit, will to pay switch reconfiguration be closed condition, when temporary transient time spent not, be arranged to again closed condition, this mode is convenient to having brought with the card operation of holder.In the preferred embodiment of above-mentioned IC-card, described IC-card also comprises: the authentication unit, be used for described IC-card is carried out authentication, and after described authentication is passed through, receive described open command.Better; in the preferred embodiment of above-mentioned IC-card; described authentication unit carries out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition have further guaranteed security and the reliability of IC-card transaction.
In the preferred embodiment of above-mentioned IC-card, described IC-card also comprises: the first judging unit, and this first judging unit is used for before opening the payment switch of described IC-card according to described open command, whether transaction data surpasses the threshold value of risk parameter; Transmitting element is used for when described transaction data surpasses the threshold value of described risk parameter, sends Fail Transaction information to merchant tenninal.
Better, risk parameter comprises: turnover amount and/or transaction count.Concrete, in this embodiment, described risk parameter is the turnover amount, namely, after receiving element received open command, whether the amount of money by the payment of the first judgment unit judges exceeded the turnover amount threshold value of setting first, if when surpassing, then do not notify start unit to open the payment switch and carry out transaction flow, but can notify transmitting element to send the information of Fail Transaction to merchant tenninal.Judge in the flow process at this, need not the in-line processing with the card issuer, only have the reciprocal process of IC-card and merchant tenninal, reduced the process of carrying out telecommunication with card issuer's terminal.Better, this turnover amount threshold value can also comprise single amount higher limit and the transaction of the accumulative total in the certain hour scope higher limit of each transaction, for example, when single consumption surpassed single amount higher limit, card stopped transaction; When single consumption surpasses single amount higher limit, judge that again the consumption total value on the same day whether above adding up to conclude the business higher limit, surpasses after the judgement and just carries out the subsequent transaction process when accumulative total is concluded the business higher limit.This amount threshold value is made amendment at any time by user terminal simultaneously, perhaps directly use the visual intelligent IC-card, itself has had button, embedded battery and display screen on this card, and can off line independently use, the holder directly arranges and revises above-mentioned threshold value by this visual standard intellective IC card, go to card sending mechanism to revise thereby need not the holder, brought for holder's bankcard consumption safe and convenient, so that the holder can the ACTIVE CONTROL transaction risk.
Better, IC-card of the present invention also provides a kind of preferred embodiment, wherein said the first judging unit, also be used for before opening the payment switch of described IC-card according to described open command, whether the transaction count of judging described IC-card surpasses the transaction count threshold value, when described transaction count does not surpass described transaction count threshold value, the payment switch of notifying described start unit to open described IC-card, and conclude the business; Transmitting element is used for when described transaction count surpasses described transaction count threshold value, sends Fail Transaction information to merchant tenninal.By the described IC-card of this embodiment, the holder can arrange the transaction count threshold value by the user terminal of binding in IC-card, this number of times threshold value also can be made amendment at any time by user terminal simultaneously, go to card sending mechanism to revise and need not the holder, brought safe and convenient for holder's bankcard consumption, simultaneously when card is stolen, the transaction count of having controlled within a certain period of time.Below, judging unit of the present invention will be in order to judging with turnover amount and/or the transaction count risk parameter as concrete example, but this case is not as limit; Described risk parameter also can be other value.
As shown in Figure 4, be the another kind of IC-card structural representation that the embodiment of the invention provides, described IC-card comprises:
The first judging unit 401 is used for before concluding the business, and judges whether the transaction data of described IC-card surpasses the threshold value of risk parameter, when described transaction data does not surpass the threshold value of described risk parameter, and notice receiving element 401; Better, the holder can arrange the risk parameter threshold value by the user terminal of in advance binding in IC-card, first judge by the first judging unit 402 whether transaction data exceeds the threshold value of the risk parameter of setting, if when surpassing, then do not notify receiving element 402 and start unit 404 to open the payment switch and carry out transaction flow, but can notify transmitting element 403 to send the information of Fail Transaction to merchant tenninal.Judge in the flow process at this, need not the in-line processing with the card issuer, only have the reciprocal process of IC-card and merchant tenninal, reduced the process of carrying out telecommunication with card issuer's terminal.Better, risk parameter can comprise the turnover amount, and this turnover amount can also comprise single amount higher limit and the transaction of the accumulative total in the certain hour scope higher limit of each transaction, for example, when single consumption surpassed single amount higher limit, card stopped transaction; When single consumption surpasses single amount higher limit, judge that again the consumption total value on the same day whether above adding up to conclude the business higher limit, surpasses after the judgement and just carries out the subsequent transaction process when accumulative total is concluded the business higher limit.This turnover amount threshold value is made amendment at any time by user terminal simultaneously, goes to card sending mechanism to revise and need not the holder, has brought for holder's bankcard consumption safe and convenient, so that the holder can the ACTIVE CONTROL transaction risk; Risk parameter can also comprise the transaction count of IC-card, therefore the first judging unit 401 can be used for also judging whether transaction count surpasses the transaction count threshold value, when described transaction count does not surpass described transaction count threshold value, notify described start unit 404 to open the payment switch of described IC-card, and conclude the business; Better judges by the first judging unit 402 whether the turnover of described IC-card surpasses turnover amount threshold value first in the present embodiment, when not surpassing, whether the transaction count of judging again described IC-card surpasses the transaction count threshold value, the sequencing of above-mentioned two deterministic processes also can be exchanged, and it does not affect the realization of the embodiment of the invention.When the resulting judged result of any one judging unit does not satisfy holder's the condition of setting in the above-described embodiments, all can stop transaction, and send Fail Transaction information to merchant tenninal by transmitting element, guaranteed so largely the safety of IC-card, and the holder grasps the consumption of card at any time.The first judging unit judges that specifically flow process and previous embodiment are similar in the present embodiment, therefore no longer gives unnecessary details.Better, this turnover amount threshold value and transaction count threshold value all arrange by unique user terminal of in advance binding.Before arranging in order to guarantee holder's interests, also can carry out necessary external authentication to the holder by user terminal, authentication mode comprises: input password, utilize key, use fingerprint or iris to do authentication and facial recognition techniques etc., these authentication modes are prior art, no longer describe in detail herein.。
Transmitting element 403, be used for when described transaction data surpasses the threshold value of described risk parameter, send Fail Transaction information to merchant tenninal, this consumption of notice merchant tenninal is the consumption of abnormal conditions, avoid trade company to sustain a loss, also guarantee the safety of the amount of money in the card simultaneously.
Receiving element 402 is used for judging before concluding the business whether the payment switch of IC-card is opened, if the payment switch of described IC-card is not opened, then receives open command;
Above-mentioned deterministic process can be carried out separately or be carried out after the step of judging turnover, after need not so each Transaction Success, by the judgement of turnover transaction limit and/or transaction count dynamically being controlled closing of payment switch, need not when each transaction pay status to be arranged, it is convenient that this mode has been brought to it in holder's use procedure.
By the payment switch of the embodiment of the invention by the intelligent terminal control card of binding IC-card, not only can in time grasp the consumption of card, find the unusual transaction of card, reduced the risk of the amount of money in the loss card, simultaneously because the holder can independently carry out setting and the modification of parameter, need not to specify the card issuer to make amendment, the user is oversimplified in the normal process of card of using.
Aforesaid IC-card of the present invention, concrete, it closes described payment switch after can finishing by transaction; Perhaps close described payment switch by receiving shutdown command; Or when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.By number of ways the opening and closing of payment switch are controlled, better protected holder's transaction security.
Those skilled in the art can also recognize the various illustrative components, blocks (illustrative logical block) that the embodiment of the invention is listed, the unit, and step can pass through electronic hardware, computer software, or both combinations realize.Be the clear replaceability (interchangeability) of showing hardware and software, above-mentioned various illustrative components (illustrative components), unit and step have been described their function generally.Such function is to realize depending on the designing requirement of specific application and whole system by hardware or software.Those skilled in the art can be for every kind of specific application, and can make ins all sorts of ways realizes described function, but this realization should not be understood to exceed the scope of embodiment of the invention protection.
Method described in the embodiment of the invention or the step of algorithm can directly embed hardware, the software module of processor execution or the two combination.Software module can be stored in the storage medium of other arbitrary form in RAM storer, flash memory, ROM storer, eprom memory, eeprom memory, register, hard disk, moveable magnetic disc, CD-ROM or this area.Exemplarily, storage medium can be connected with processor so that processor can be from storage medium reading information, and can deposit write information to storage medium.Alternatively, storage medium can also be integrated in the processor.Processor and storage medium can be arranged among the ASIC, and ASIC can be arranged in the user terminal.Alternatively, processor and storage medium also can be arranged in the different parts in the user terminal.
In one or more exemplary designs, the described above-mentioned functions of the embodiment of the invention can realize in hardware, software, firmware or this three's combination in any.If realize in software, these functions can be stored on the medium with computer-readable, or are transmitted on the medium of computer-readable with one or more instructions or code form.The computer-readable medium comprises the computer storage medium and is convenient to so that allow computer program transfer to other local telecommunication media from a place.Storage medium can be the useable medium that any general or special computer can access.For example, such computer readable media can include but not limited to RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage device, or other anyly can be used for carrying or storage can be read by general or special computer or general or special processor the program code of form with instruction or data structure and other medium.In addition, any connection can suitably be defined as the computer-readable medium, for example, if software is by a concentric cable, optical fiber computer, twisted-pair feeder, Digital Subscriber Line (DSL) or also being comprised in the defined computer-readable medium with wireless way for transmittings such as infrared, wireless and microwave from a web-site, server or other remote resource.Described video disc (disk) and disk (disc) comprise Zip disk, radium-shine dish, CD, DVD, floppy disk and Blu-ray Disc, and disk is usually with the magnetic duplication data, and video disc carries out the optical reproduction data with laser usually.Above-mentioned combination also can be included in the computer-readable medium.
Above-described embodiment; purpose of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the above only is the specific embodiment of the present invention; the protection domain that is not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (24)
1. an IC-card method of commerce is characterized in that, described method comprises:
IC-card judges whether the payment switch of described IC-card is opened before concluding the business;
If described payment switch less than opening, then receives open command and opens the payment switch of described IC-card;
Conclude the business.
2. IC-card method of commerce according to claim 1 is characterized in that,
The payment switch of opening described IC-card comprises: the pay status of described payment switch is set to the first designated value.
3. IC-card method of commerce according to claim 2 is characterized in that, described method also comprises: described IC-card is carried out authentication, after described authentication is passed through, receive described open command.
4. IC-card method of commerce according to claim 1 is characterized in that, described method also comprises: described IC-card is carried out authentication, after described authentication is passed through, receive described open command.
5. IC-card method of commerce according to claim 3 is characterized in that, carries out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition.
6. IC-card method of commerce according to claim 4 is characterized in that, carries out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition.
7. IC-card method of commerce according to claim 1 is characterized in that, before concluding the business, described method also comprises: judge whether the transaction data of described IC-card surpasses the threshold value of risk parameter;
When described transaction data surpasses the threshold value of described risk parameter, stop the concurrent Fail Transaction information of sending of transaction to merchant tenninal.
8. IC-card method of commerce according to claim 7 is characterized in that, described method also comprises: set the threshold value of described risk parameter and/or send described open command to described IC-card by user terminal.
9. IC-card method of commerce according to claim 7 is characterized in that, described IC-card is the visual intelligent IC-card, directly sets the threshold value of described risk parameter and/or sends described open command to described IC-card by described visual intelligent IC-card.
10. IC-card method of commerce according to claim 7 is characterized in that, described risk parameter comprises: turnover amount and/or transaction count.
11. each described IC-card method of commerce in 10 is characterized in that according to claim 1, described method of commerce also comprises: finish information by transaction and close described payment switch; Perhaps close described payment switch by receiving shutdown command; Perhaps when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.
12. IC-card method of commerce according to claim 11 is characterized in that,
Closing described payment switch comprises: the pay status of described payment switch is set to the second designated value.
13. an IC-card is characterized in that, described IC-card comprises:
Receiving element is used for judging before concluding the business whether the payment switch of IC-card is opened, if the payment switch of described IC-card is not opened, then receives open command;
Start unit is for the payment switch of opening described IC-card according to described open command;
The transaction unit is used for concluding the business.
14. IC-card according to claim 13 is characterized in that, the pay status that described start unit specifically is used for described payment switch is set to the first designated value.
15. IC-card according to claim 14 is characterized in that, described IC-card also comprises:
The authentication unit is used for described IC-card is carried out authentication, after described authentication is passed through, receives described open command.
16. IC-card according to claim 13 is characterized in that, described IC-card also comprises:
The authentication unit is used for described IC-card is carried out authentication, after described authentication is passed through, receives described open command.
17. IC-card according to claim 15 is characterized in that, described authentication unit carries out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition.
18. IC-card according to claim 16 is characterized in that, described authentication unit carries out one of at least in the following manner described authentication: cryptoguard, key, fingerprint recognition, iris recognition or face recognition.
19. IC-card according to claim 13 is characterized in that, described IC-card also comprises:
The first judging unit is used for before concluding the business, and judges whether the transaction data of described IC-card surpasses the threshold value of risk parameter;
Transmitting element is used for when described transaction data surpasses the threshold value of described risk parameter, sends Fail Transaction information to merchant tenninal.
20. IC-card according to claim 19 is characterized in that, sets the threshold value of described risk parameter and/or sends described open command to described IC-card by user terminal.
21. IC-card according to claim 19 is characterized in that, described IC-card is the visual intelligent IC-card, directly sets the threshold value of described risk parameter and/or sends described open command to described IC-card by described visual intelligent IC-card.
22. IC-card according to claim 19 is characterized in that, described risk parameter comprises: turnover amount and/or transaction count.
23. each described IC-card in 22 according to claim 13 is characterized in that described IC-card also comprises:
Closing unit is used for finishing information by transaction and closes described payment switch; Perhaps close described payment switch by receiving shutdown command; Perhaps when having met or exceeded the threshold value of risk parameter, the transaction data of described IC-card closes described payment switch.
24. IC-card according to claim 23 is characterized in that,
Closing described payment switch comprises: the pay status of described payment switch is set to the second designated value.
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| CN2012105397920A CN103021082A (en) | 2012-12-13 | 2012-12-13 | IC (Integrated Circuit) card transaction method and IC card |
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| CN2012105397920A CN103021082A (en) | 2012-12-13 | 2012-12-13 | IC (Integrated Circuit) card transaction method and IC card |
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