CN106997531B - Method for controlling financial IC card transaction and card sleeve - Google Patents
Method for controlling financial IC card transaction and card sleeve Download PDFInfo
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- CN106997531B CN106997531B CN201610052328.7A CN201610052328A CN106997531B CN 106997531 B CN106997531 B CN 106997531B CN 201610052328 A CN201610052328 A CN 201610052328A CN 106997531 B CN106997531 B CN 106997531B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
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- A—HUMAN NECESSITIES
- A45—HAND OR TRAVELLING ARTICLES
- A45C—PURSES; LUGGAGE; HAND CARRIED BAGS
- A45C11/00—Receptacles for purposes not provided for in groups A45C1/00-A45C9/00
- A45C11/18—Ticket-holders or the like
- A45C11/182—Credit card holders
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
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- A—HUMAN NECESSITIES
- A45—HAND OR TRAVELLING ARTICLES
- A45C—PURSES; LUGGAGE; HAND CARRIED BAGS
- A45C11/00—Receptacles for purposes not provided for in groups A45C1/00-A45C9/00
- A45C11/18—Ticket-holders or the like
- A45C11/182—Credit card holders
- A45C2011/186—Credit card holders with protection from unauthorised reading by remotely readable data carriers
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Abstract
The invention provides a method for controlling financial IC card transaction and a card sleeve, wherein a financial IC card is placed in the card sleeve, the card sleeve comprises an inner layer antenna, an outer layer antenna, an NFC control chip and a shielding layer, the shielding layer is positioned between the outer layer antenna and the inner layer antenna, the NFC control chip is communicated with a terminal through the outer layer antenna, and the NFC control chip is communicated with the financial IC card through the inner layer antenna, the method comprises the following steps: the NFC control chip intercepts a non-contact transaction instruction sent to the financial IC card by the terminal; and when the NFC control chip determines that the intercepted non-contact transaction instruction is a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is a background main account transaction mode, or when the intercepted non-contact transaction instruction is determined to be a non-contact transaction instruction except the GPO instruction, the intercepted non-contact transaction instruction is transmitted to the financial IC card. The invention facilitates the transaction of the user and improves the user experience.
Description
Technical Field
The invention relates to the technical field of payment security, in particular to a method for controlling financial IC card transaction and a card sleeve.
Background
Currently, magnetic stripe bank cards are gradually replaced by financial IC (Integrated Circuit) cards (also called chip IC cards). Financial IC cards generally support both contact (insertion of the IC card into the terminal) and contactless (bringing the IC card close to the card swipe prompt area of the terminal) transactions. Contactless transactions are convenient and quick, so many users choose to use contactless transactions.
The financial IC card is generally two accounts, one account is an electronic cash account, when a user uses the financial IC card to carry out non-contact transaction, if a background main account is selected for payment, the user can input an online password or signature to finish the payment after shaking the card swiping area of the POS machine, and the payment mode is high in safety; if the electronic cash account is selected for payment, the user shakes the financial IC card in a card swiping area of the POS machine once, payment can be completed without inputting a user name and a password, a 'flash payment' (Quick Pass) released by a bank is one type of non-contact transaction, and the user only needs to shake lightly in front of a terminal (such as the POS machine) marked with a 'flash payment' identifier during consumption, and can deduct corresponding amount of money from the electronic cash account of the financial IC card without inputting a password or a signature, so that payment is completed.
Although the flash payment transaction is fast and convenient, a machine for taking the flash payment is provided for lawbreakers, and the lawbreakers can steal the money in the card by holding the POS machine with the flash payment function and shaking the flash payment machine nearby the financial IC card of the user when the user is not paying attention.
In order to prevent the electronic cash account of the financial IC card of the user from being embezzled, the financial IC card is sleeved with a card sleeve which can shield a non-contact radio frequency signal, and the user can only take out the financial IC card from the card sleeve to perform non-contact online consumption, so that the aim of preventing the electronic account in the financial IC card of the user from being embezzled is fulfilled.
Disclosure of Invention
The invention provides a method for controlling financial IC card transaction and a card sleeve, which are used for solving the problem that the conventional mode for controlling financial IC card transaction is inconvenient for user payment because the financial IC card is required to be taken out from the card sleeve to pay through a background main account when the user needs to pay through the background main account in the financial IC card.
A method of controlling a financial IC card transaction, the financial IC card being placed in a card case, the card case comprising an inner antenna, an outer antenna, an NFC control chip and a shielding layer, the shielding layer being located between the outer antenna and the inner antenna, the NFC control chip communicating with a terminal via the outer antenna, the NFC control chip communicating with the financial IC card via the inner antenna, the method comprising:
the NFC control chip intercepts a non-contact transaction instruction sent to the financial IC card by the terminal;
if the NFC control chip determines that the intercepted non-contact transaction instruction is a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is a background main account transaction mode, the intercepted non-contact transaction instruction is transmitted to the financial IC card;
and if the NFC control chip determines that the intercepted non-contact transaction instruction is a non-contact transaction instruction except the GPO instruction, transmitting the intercepted non-contact transaction instruction to the financial IC card.
The method further comprises the following steps:
and if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is determined to be an electronic cash account transaction mode, returning a transaction failure prompt message to the terminal.
According to the embodiment of the invention, when the financial IC card is in the card sleeve, the financial IC card is not allowed to carry out electronic cash account transaction, so that the safety of the electronic cash account of the financial IC card of a user is ensured.
The method further comprises the following steps:
and when the response message returned to the terminal by the financial IC card is intercepted within the preset time length, the response message is transmitted to the terminal.
The method further comprises the following steps:
and when the fact that the response message returned to the terminal by the financial IC card is not intercepted within the preset time length is determined, returning a response timeout error code to the terminal.
The method for determining the transaction mode corresponding to the transaction mode identification position in the GPO instruction as an electronic cash account transaction mode specifically comprises the following steps:
determining that the response message is a select response message, and when determining that the select response message contains a preset terminal transaction attribute identifier, calculating the sum M of the lengths of data corresponding to all TAG identifiers before the preset terminal transaction attribute identifier;
and when the 6 th bit of the Mth byte of the GPO instruction is determined to be equal to 1, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode.
According to the embodiment of the invention, the sum M of the lengths of the data corresponding to the TAG mark in the select response instruction before the GPO instruction is calculated, the position of the transaction mode mark bit in the GPO instruction is determined according to the result M, and then the transaction mode is determined according to the transaction mode mark bit.
The invention also provides a card sleeve for controlling financial IC card transaction, wherein the financial IC card is placed in the card sleeve, the card sleeve comprises an inner layer antenna, an outer layer antenna, an NFC control chip and a shielding layer, the shielding layer is positioned between the outer layer antenna and the inner layer antenna, the NFC control chip is communicated with a terminal through the outer layer antenna, the NFC control chip is communicated with the financial IC card through the inner layer antenna, and the NFC control chip comprises:
the intercepting module is used for intercepting the non-contact transaction instruction sent to the financial IC card by the terminal;
the determining module is used for transmitting the intercepted non-contact transaction instruction to the financial IC card through the transmission module if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification position in the GPO instruction is a background main account transaction mode; and if the intercepted non-contact transaction instruction is determined to be a non-contact transaction instruction except the GPO instruction, transmitting the intercepted non-contact transaction instruction to the financial IC card.
In the ferrule, the determining module is further configured to:
and if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is determined to be an electronic cash account transaction mode, returning a transaction failure prompt message to the terminal.
In the ferrule, the intercept module is further configured to:
determining when a response message returned to the terminal by the financial IC card is intercepted within a preset time length; and transmitting the response message to the terminal.
In the ferrule, the intercept module is further configured to:
and when the fact that the response message returned to the terminal by the financial IC card is not intercepted within the preset time length is determined, returning a response timeout error code to the terminal.
In the card sleeve, when determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode, the determining module is specifically configured to:
determining that the response message is a select response message, and when determining that the select response message contains a preset terminal transaction attribute identifier, calculating the sum M of the lengths of data corresponding to all TAG identifiers before the preset terminal transaction attribute identifier;
and when the 6 th bit of the Mth byte of the GPO instruction is determined to be equal to 1, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode.
The method for controlling financial IC card transaction and the card sleeve provided by the embodiment of the invention have the following beneficial effects: when the transaction mode between the terminal and the financial IC card placed in the card sleeve is a background main account transaction mode requiring a user signature or password, the background main account transaction can be completed without taking the financial IC card out of the card sleeve of the financial IC card by the user, so that the transaction of the user is facilitated, and the user experience is improved; when the transaction mode between the terminal and the financial IC card placed in the card sleeve is an electronic cash account transaction mode, the NFC control chip returns a transaction failure message to the terminal, so that the electronic cash account transaction mode is shielded, and the purpose of preventing the amount of money in the electronic cash account in the financial IC card from being embezzled is achieved.
Drawings
FIG. 1 is a flow chart of a method for controlling financial IC card transactions according to an embodiment of the present invention;
FIG. 2 is a second flowchart of a method for controlling financial IC card transactions according to an embodiment of the present invention;
FIG. 3 is a flowchart illustrating an embodiment of a method for controlling financial IC card transactions according to the present invention;
fig. 4 is a schematic diagram of an NFC control chip according to an embodiment of the present invention.
Detailed Description
The method for controlling financial IC card transaction and the card case provided by the invention are described in more detail with reference to the accompanying drawings and embodiments.
The embodiment of the invention provides a method for controlling financial IC card transaction, wherein a financial IC card is placed in a card sleeve, the card sleeve comprises an inner layer antenna, an outer layer antenna, an NFC control chip and a shielding layer, the shielding layer is positioned between the outer layer antenna and the inner layer antenna, the NFC control chip is communicated with a terminal through the outer layer antenna, and the NFC control chip is communicated with the financial IC card through the inner layer antenna, and the method comprises the following steps: the NFC control chip intercepts a non-contact transaction instruction sent to the financial IC card by the terminal; when the NFC control chip determines that the intercepted non-contact transaction instruction is a non-contact transaction instruction except a GPO instruction, the intercepted non-contact transaction instruction is transmitted to the financial IC card; or when the NFC control chip determines that the intercepted non-contact transaction instruction is a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is a background main account transaction mode, the intercepted non-contact transaction instruction is transmitted to the financial IC card. Further comprising: and when the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is determined to be an electronic cash account transaction mode, returning a transaction failure prompt message to the terminal.
The method for controlling financial IC card transactions provided by the embodiment of the present invention is described in detail below, and as shown in fig. 1, the method includes:
and step 101, the NFC control chip intercepts a non-contact transaction instruction sent by the terminal to the financial IC card.
In the embodiment of the invention, a financial IC card is placed in a card sleeve, the card sleeve comprises an inner layer antenna, an outer layer antenna, an NFC control chip and a shielding layer, the shielding layer is positioned between the outer layer antenna and the inner layer antenna, the NFC control chip is communicated with a terminal through the outer layer antenna, the NFC control chip is communicated with the financial IC card through the inner layer antenna, the NFC control chip is respectively connected with the inner layer antenna and the outer layer antenna, the NFC control chip is communicated with the terminal through a radio frequency signal generated by the outer layer antenna, and the NFC control chip is communicated with the financial IC card through a radio frequency information number generated by the inner layer antenna; the shielding layer is used for shielding radio frequency signals, and can prevent the radio frequency signals generated by a terminal outside the card sleeve from being received by the financial IC card in the card sleeve. In the embodiment of the invention, the NFC control chip is respectively communicated with the terminal and the financial IC card through radio frequency signals.
Specifically, the terminal sends a non-contact transaction instruction to the financial IC card through a radio frequency signal, and the financial IC card also sends the non-contact transaction instruction to the outside through the radio frequency signal.
The terminal is a terminal which extracts money from the financial IC card, and may be a terminal such as a POS machine, and a manner in which an NFC (Near field communication ) control chip intercepts a non-contact transaction instruction sent by the terminal to the financial IC card and a manner in which a response message returned by the financial IC card to the terminal are both functions of an existing NFC control chip, and details are not described here. Wherein, NFC control chip sets up on financial IC card's cutting ferrule. Specifically, the NFC control chip comprises a card mode and a card reader mode, and intercepts a non-contact transaction instruction sent by the terminal in the card mode, processes the intercepted non-contact transaction instruction, and transmits an intercepted response message from the financial IC card to the terminal; and the NFC control chip transmits the intercepted non-contact transaction instruction to the financial IC card in a card reader mode, intercepts a response message returned by the financial IC card and processes the response message.
And step 102, the NFC control chip judges whether the intercepted non-contact transaction instruction is a GPO instruction, if so, step 103 is executed, and if not, step 104 is executed.
Specifically, the NFC control chip identifies the intercepted non-contact transaction instruction, and when the identification of the GPO instruction carried in the non-contact transaction instruction is determined, the non-contact instruction is determined to be the GPO instruction. The GPO instruction is used for indicating the start of a transaction in a contactless transaction, the instruction is used for carrying data elements such as a consumption amount, a terminal transaction attribute identifier and a transaction currency code, and the transaction mode of an electronic cash account comprises transaction modes such as a flash payment transaction.
And 103, judging whether the transaction mode corresponding to the transaction mode identification bit in the intercepted GPO instruction is a background primary account transaction mode or not by the NFC control chip, if so, executing step 104, and if not, executing step 105.
Specifically, the transaction mode includes an electronic cash transaction mode and a background main account transaction mode, when the transaction mode identification bit of the GPO instruction is preset to be 1, the transaction mode is the electronic cash transaction mode, when the transaction mode identification bit of the GPO instruction is preset to be 0, the transaction mode is the background main account transaction mode,
and 104, transmitting the intercepted non-contact transaction instruction to the financial IC card.
And 105, determining the transaction mode corresponding to the transaction mode identification position in the GPO instruction as an electronic cash account transaction mode, and returning a transaction failure prompt message to the terminal.
Specifically, whether the transaction mode corresponding to the transaction mode identification bit of the GPO instruction is the background main account transaction mode is judged, if not, the GPO instruction is not transmitted to the non-financial IC card, and a transaction failure prompt message is returned to the terminal, where the transaction failure prompt message may be presented in the form of a transaction error code, that is, a transaction error code is returned to the terminal, and the transaction error code may be self-defined, for example, a two-byte hexadecimal number 0x6985, or others, and is not limited herein; if yes, the intercepted GPO instruction is transmitted to the financial IC card so that the background main account transaction can be normally carried out.
In the embodiment of the invention, the financial IC card is placed in the card sleeve, and the card sleeve comprises an inner layer antenna, an outer layer antenna, an NFC control chip and a shielding layer. The outer and inner antennas are separated by a shield to prevent interference. The NFC control chip carries out radio frequency signal interaction with external terminal through outer antenna, and similarly, the NFC control chip carries out radio frequency signal interaction with the melting IC card in the cutting ferrule through the inner antenna.
Specifically, the NFC control chip carries out instruction interaction with the terminal through the outer antenna, then transmits the intercepted non-contact instruction to the financial IC card through the inner antenna, and the outer antenna and the inner antenna are both used for generating radio frequency signals, so that the NFC control chip communicates with the terminal and the financial IC through the radio frequency signals generated by the antennas respectively. The way for the NFC controller chip to intercept the contactless transaction instruction from the terminal and to intercept the message from the financial IC card is a function of the existing NFC controller chip, and is not described in detail here.
When the NFC control chip is in a card reader mode, an inner layer antenna in the card sleeve generates radio frequency signals, and intercepted non-contact transaction instructions are transmitted to the financial IC card and response messages returned by the financial IC card are intercepted through the radio frequency signals generated by the inner layer antenna; when the NFC control chip is in a card mode, an outer layer antenna in the card sleeve generates a radio frequency signal, an interception response message is transmitted to the terminal through the radio frequency signal generated by the outer layer antenna, and a non-contact transaction instruction sent by the terminal is intercepted.
According to the embodiment of the invention, when the transaction mode between the terminal and the financial IC card placed in the card sleeve is a background main account transaction mode requiring a user signature or password, the background main account transaction can be completed without taking the financial IC card out of the card sleeve of the financial IC card by the user, so that the transaction of the user is facilitated, and the user experience is improved; when the transaction mode between the terminal and the financial IC card placed in the card sleeve is an electronic cash account transaction mode, the NFC control chip returns a transaction failure message to the terminal, so that the electronic cash account transaction mode is shielded, the aim of preventing the sum of money in the electronic cash account in the financial IC card from being embezzled is fulfilled, and if a user needs to transact in the electronic cash account transaction mode, the financial IC card needs to be taken out from the card sleeve of the financial IC card.
Specifically, after the NFC control chip transparently transmits a non-contact transaction instruction other than the GPO or a GPO instruction of a non-electronic cash account transaction mode to the non-financial IC card, the financial IC card returns a corresponding response message for different non-contact transaction instructions. Preferably, when a response message returned to the terminal by the financial IC card is intercepted within a preset time length, the response message is transmitted to the terminal; and when the fact that the response message returned to the terminal by the financial IC card is not intercepted within the preset time length is determined, returning a response timeout error code to the terminal.
The response timeout error code may be self-defined, but is not limited herein, and may be different from the transaction error code, such as a two-byte hexadecimal number 0x 6983. Intercepting a response message returned by the financial IC card within a preset time length, and then, considering that the financial IC card responds successfully, and at the moment, transmitting the response message to the terminal; if the response message returned by the financial IC card is not intercepted within the preset time length, the financial IC card can be considered to fail to respond, and a response timeout error code is returned to the terminal at the moment, so that the transaction is ended.
Preferably, in step 102, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode, as shown in fig. 2, specifically includes:
Specifically, the general process of performing a contactless transaction between a terminal and a financial IC card is as follows: the terminal sends a select instruction to the financial IC card, wherein the instruction carries AID (application identifier) corresponding to the selected transaction mode; the financial IC card returns a select response message aiming at a select instruction (application selection instruction) to the terminal, and the response message carries transaction attributes; the terminal generates a corresponding GPO instruction according to the transaction attribute and sends the GPO instruction to the financial IC card; and the financial IC card carries out transaction according to the GPO instruction and returns a response message whether the transaction is successful or not to the terminal. The select instruction is a contactless transaction instruction. Wherein the transaction attribute is four bytes in length, the first byte is used for indicating the transaction type (including supporting non-contact debit/credit application and not supporting non-contact debit/credit application), whether the terminal supports online and the cardholder verification method (online PIN, signature) supported by the terminal; the second byte is set by the terminal whether to need the online cryptograph and the signature according to the transaction condition (such as the consumption sum is larger than the minimum limit); the third byte is a reserved byte and is not used for the moment. The fourth byte is used for indicating whether the terminal supports the quick dynamic data authentication of the set version.
The data format corresponding to the select response message is a TLV format, T is a TAG (TAG), L is a data length, and V is data. For example, 9F6604830F0000,9F66 is T, 04 is the length L of the subsequent data, and 830F0000 is the actual data V. Determining that the select response message includes a preset terminal transaction attribute identifier, specifically including:
searching the TAG identifier in the data corresponding to the select response message; searching whether a PDOL mark exists in a data domain corresponding to the TAG mark; and when the preset transaction attribute identification is found in the data corresponding to the PDOL, determining that the select response message contains the preset terminal transaction attribute identification. The PDOL is a list of processing option data element attributes (including identification and length), and in an application initialization step, the financial IC card needs identification of data elements provided by a terminal and a list of lengths of the data elements when processing a GPO command.
When the select response message is determined to contain the preset terminal transaction attribute identifier, calculating the sum M of the lengths of all the TAG identifiers before the preset terminal transaction attribute identifier, namely calculating the sum M of the lengths of the data (data elements) corresponding to all the TAG identifiers before the preset terminal transaction attribute identifier. The TAG identification in the embodiments of the present invention is used to represent different data (data elements). Specifically, the TAG is identified as a TAG of a data element, which may be "a 5," or others, and is not limited herein.
Specifically, if a preset terminal transaction attribute identifier exists in the select response message, the select response message carries a corresponding transaction attribute, and the transaction attribute comprises a consumption amount, a terminal transaction attribute identifier and a transaction currency code; after receiving the select response message, the terminal edits the consumption amount of the user, the terminal transaction attribute identifier and the transaction currency code into a GPO instruction according to the transaction attribute carried in the select response message and sends the GPO instruction to the financial IC card. In the embodiment of the present invention, the NFC control chip determines whether a value corresponding to a preset bit of a preset byte in an intercepted GPO instruction is a preset value, and specifically determines that a transaction mode corresponding to a transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode when it is determined that a 6 th bit of an mth byte of the GPO instruction is equal to 1.
According to the embodiment of the invention, the deviation of the transaction attribute identification position in the GPO instruction is determined through the transaction attribute identification and the TAG identification in the select response message, and whether the current transaction mode is the electronic cash account transaction mode is further determined according to whether the transaction attribute identification position is 1.
Whether the terminal transaction attribute identification exists in the SELECT command response data is checked, and the judgment rule is as follows: the data of the SELECT command response is in a composite TLV format, firstly, a TAG identifier 'A5' is searched in response data, then whether PDOL identifiers exist in a TAG identifier 'A5' data field is searched, whether terminal transaction attribute identifiers exist in a PDOL data field is searched, if yes, the lengths of all TAG identifiers before the terminal transaction attribute identifiers in the PDOL data field are added, and the terminal transaction attribute data are the offsets in the PDOL.
The method for controlling financial IC card transactions according to the embodiment of the present invention is described in detail with reference to the following specific embodiments, as shown in fig. 3, including:
The method comprises the steps of judging whether an application AID is 'A000000333010101' or 'A000000333010102', if yes, determining that the application AID is an electronic cash account application AID, and if not, determining that the application AID is an application AID of background primary account transaction.
The application AID for electronic cash account transactions is "a 000000333010101" or "a 000000333010102".
In step 303, the NFC controller chip sets the flag bit of the application processing status to 1, and executes step 304.
The application processing status flag is represented by SELECTSIGN, and SELECTSIGN ═ 1 represents that the current application AID is an electronic cash account AID. The transaction status flag PayPassSign may be set to 1, thereby indicating that the non-contact transaction instruction is transmitted to the financial IC card, and if the transaction status flag PayPassSign is set to 0, indicating that the non-contact transaction instruction is not transmitted to the financial IC card, the transaction error code is returned to the terminal.
In step 305, the financial IC card returns a select response message to the select instruction.
And step 306, the NFC control chip intercepts a select response message returned by the financial IC card, and determines whether the select response message carries a preset terminal transaction attribute identifier, if so, step 307 is executed, otherwise, step 308 is executed.
In step 307, the NFC controller chip calculates the sum M of the lengths of the data elements corresponding to all TAG identifiers before the preset terminal transaction attribute identifier, and executes step 308 after setting the application processing status flag to 2.
SELECTSIGN is 2, which indicates that the select response message carries the preset terminal transaction attribute identifier.
And step 308, the NFC control chip transmits a select response message to the terminal.
In step 309, the terminal generates a GPO command for the select response message and sends the GPO command to the financial IC card.
In step 310, the NFC control chip intercepts a GPO command sent by the terminal and determines whether the 6 th bit of the mth byte of the GPO command is equal to 1, if so, step 311 is executed, otherwise, step 312 is executed.
And 311, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode, and returning a transaction error code to the terminal.
At this time, the transaction status flag PayPassSign is set to 0.
And step 312, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is a background primary account transaction mode, and transmitting the GPO instruction to the financial IC card.
At this time, the transaction status flag PayPassSign is set to 1.
In this embodiment, different flag bits are set to different values, so that when a program receives a next instruction, the program determines the progress of the current transaction according to the value of the flag bit, thereby performing processing and judgment of the next instruction.
An embodiment of the present invention further provides a card holder for controlling a financial IC card transaction, wherein the financial IC card is placed in the card holder, the card holder includes an inner antenna, an outer antenna, an NFC control chip, and a shielding layer, the shielding layer is located between the outer antenna and the inner antenna, the NFC control chip communicates with a terminal through the outer antenna, the NFC control chip communicates with the financial IC card through the inner antenna, as shown in fig. 4, the NFC control chip includes:
an intercepting module 401, configured to intercept a non-contact transaction instruction sent by the terminal to the financial IC card;
a determining module 402, configured to transmit the intercepted non-contact transaction instruction to the financial IC card through the transmission if it is determined that the intercepted non-contact transaction instruction is a GPO instruction and a transaction manner corresponding to a transaction manner identification bit in the GPO instruction is a background primary account transaction manner; and if the intercepted non-contact transaction instruction is determined to be a non-contact transaction instruction except the GPO instruction, transmitting the intercepted non-contact transaction instruction to the financial IC card.
Preferably, in the ferrule, the determining module is further configured to:
and if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is determined to be an electronic cash account transaction mode, returning a transaction failure prompt message to the terminal.
Preferably, in the ferrule, the intercept module is further configured to:
determining when a response message returned to the terminal by the financial IC card is intercepted within a preset time length; and transmitting the response message to the terminal.
Preferably, in the ferrule, the intercept module is further configured to:
and when the fact that the response message returned to the terminal by the financial IC card is not intercepted within the preset time length is determined, returning a response timeout error code to the terminal.
Preferably, in the card sleeve, when determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode, the determining module is specifically configured to:
determining that the response message is a select response message, and when determining that the select response message contains a preset terminal transaction attribute identifier, calculating the sum M of the lengths of data corresponding to all TAG identifiers before the preset terminal transaction attribute identifier;
and when the 6 th bit of the Mth byte of the GPO instruction is determined to be equal to 1, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode.
The method for controlling financial IC card transaction and the card sleeve provided by the embodiment of the invention have the following beneficial effects: when the transaction mode between the terminal and the financial IC card placed in the card sleeve is a background main account transaction mode requiring a user signature or password, the background main account transaction can be completed without taking the financial IC card out of the card sleeve of the financial IC card by the user, so that the transaction of the user is facilitated, and the user experience is improved; when the transaction mode between the terminal and the financial IC card placed in the card sleeve is an electronic cash account transaction mode, the NFC control chip returns a transaction failure message to the terminal, so that the electronic cash account transaction mode is shielded, and the purpose of preventing the amount of money in the electronic cash account in the financial IC card from being embezzled is achieved.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (8)
1. A method for controlling financial IC card transaction, wherein the financial IC card is placed in a card sleeve, the card sleeve comprises an inner layer antenna, an outer layer antenna, an NFC control chip and a shielding layer, the shielding layer is positioned between the outer layer antenna and the inner layer antenna, the NFC control chip is communicated with a terminal through the outer layer antenna, and the NFC control chip is communicated with the financial IC card through the inner layer antenna, the method comprises the following steps:
the NFC control chip intercepts a non-contact transaction instruction sent to the financial IC card by the terminal;
if the NFC control chip determines that the intercepted non-contact transaction instruction is a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is a background primary account transaction mode, the intercepted non-contact transaction instruction is transmitted to the financial IC card in a transparent mode, wherein the GPO instruction is an instruction for indicating the start of transaction in non-contact transaction;
if the NFC control chip determines that the intercepted non-contact transaction instruction is a non-contact transaction instruction except a GPO instruction, the intercepted non-contact transaction instruction is transmitted to the financial IC card, wherein the method further comprises the following steps: and if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is determined to be an electronic cash account transaction mode, returning a transaction failure prompt message to the terminal.
2. The method of claim 1, further comprising:
and when the response message returned to the terminal by the financial IC card is intercepted within the preset time length, the response message is transmitted to the terminal.
3. The method of claim 2, further comprising:
and when the fact that the response message returned to the terminal by the financial IC card is not intercepted within the preset time length is determined, returning a response timeout error code to the terminal.
4. The method of claim 2, wherein determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode specifically comprises:
determining that the response message is a select response message, and when determining that the select response message contains a preset terminal transaction attribute identifier, calculating the sum M of the lengths of data corresponding to all TAG identifiers before the preset terminal transaction attribute identifier;
and when the 6 th bit of the Mth byte of the GPO instruction is determined to be equal to 1, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode.
5. The utility model provides a card cover of control financial IC card transaction, its characterized in that, financial IC card is placed in the card cover, the card cover includes inlayer antenna, outer antenna, NFC control chip and shielding layer, the shielding layer is located between outer antenna and the inlayer antenna, and NFC control chip passes through outer antenna and terminal communication, and NFC control chip passes through inlayer antenna and financial IC card communication, NFC control chip includes:
the intercepting module is used for intercepting the non-contact transaction instruction sent to the financial IC card by the terminal;
the determining module is used for transmitting the intercepted non-contact transaction instruction to the financial IC card through the transmission module if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification position in the GPO instruction is a background main account transaction mode; if the intercepted non-contact transaction instruction is determined to be a non-contact transaction instruction except a GPO instruction, the intercepted non-contact transaction instruction is transmitted to the financial IC card, wherein the GPO instruction is an instruction used for indicating the start of a transaction in the non-contact transaction, and the determining module is further used for: and if the intercepted non-contact transaction instruction is determined to be a GPO instruction and the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is determined to be an electronic cash account transaction mode, returning a transaction failure prompt message to the terminal.
6. The ferrule of claim 5 wherein the intercept module is further to:
determining when a response message returned to the terminal by the financial IC card is intercepted within a preset time length; and transmitting the response message to the terminal.
7. The ferrule of claim 6, wherein the intercept module is further to:
and when the fact that the response message returned to the terminal by the financial IC card is not intercepted within the preset time length is determined, returning a response timeout error code to the terminal.
8. The card sleeve of claim 6, wherein the determining module, when determining that the transaction manner corresponding to the transaction manner identifier bit in the GPO instruction is an electronic cash account transaction manner, is specifically configured to:
determining that the response message is a select response message, and when determining that the select response message contains a preset terminal transaction attribute identifier, calculating the sum M of the lengths of data corresponding to all TAG identifiers before the preset terminal transaction attribute identifier;
and when the 6 th bit of the Mth byte of the GPO instruction is determined to be equal to 1, determining that the transaction mode corresponding to the transaction mode identification bit in the GPO instruction is an electronic cash account transaction mode.
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| CN201610052328.7A CN106997531B (en) | 2016-01-26 | 2016-01-26 | Method for controlling financial IC card transaction and card sleeve |
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| CN201610052328.7A CN106997531B (en) | 2016-01-26 | 2016-01-26 | Method for controlling financial IC card transaction and card sleeve |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107730230A (en) * | 2017-10-31 | 2018-02-23 | 中国银联股份有限公司 | A kind of method of payment and vendor end |
| CN109918955A (en) * | 2017-12-13 | 2019-06-21 | 西安中兴新软件有限责任公司 | One kind guidance field of swiping the card determines method, apparatus and card reader |
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