CN107862607A - A kind of digital cash method of commerce and system based on financial IC card end - Google Patents
A kind of digital cash method of commerce and system based on financial IC card end Download PDFInfo
- Publication number
- CN107862607A CN107862607A CN201711193832.XA CN201711193832A CN107862607A CN 107862607 A CN107862607 A CN 107862607A CN 201711193832 A CN201711193832 A CN 201711193832A CN 107862607 A CN107862607 A CN 107862607A
- Authority
- CN
- China
- Prior art keywords
- terminal
- transaction
- data
- card end
- digital cash
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
-
- 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
-
- 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
-
- 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
- G06Q20/401—Transaction verification
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a kind of digital cash method of commerce based on financial IC card end, including：Terminal sends purse application selection instruction to IC-card end；Terminal receives the transmission request for the transaction data that IC-card end is sent；Terminal determines whether that digital cash is merchandised by sending request；If it is, terminal sends transaction data to IC-card end, so that IC-card end judges type of transaction and generates checking data；Wherein, transaction data includes application extension mark and terminal transaction attribute；Terminal receives the checking data that IC-card end is sent；The checking data that end-on receives are verified；After being verified, terminal is traded process.This method can realize purse application while support digital cash and electronic money trading, and ensure the high efficiency of digital cash transaction flow, security；The invention also discloses the digital cash transaction system and system based on financial IC card end, has above-mentioned beneficial effect.
Description
Technical field
The present invention relates to electronic technology field, more particularly to a kind of digital cash method of commerce based on financial IC card end,
The IC-card end of digital cash transaction, digital cash transaction terminal and system based on financial IC card end.
Background technology
Financial IC card is also known as chip bank card, is the bank card using chip as medium.Chip card capacity is big, Ke Yicun
Information, its operation principle such as storage key, digital certificate, fingerprint are similar to microcomputer, can handle multiple functions simultaneously, be
Holder provides the facility of one card for multiple uses.Financial IC card is issued by business bank (credit office) or payment mechanism, using collection
Into circuit engineering, it then follows national financial industry standard, there is consumer credit, the transfer and settlement of accounts, all or part of finance of cash-access
Function, there can be the financial instrument of other commerce services and social management function
PBOC is a kind of chip card standard, and the specifications of PBOC 3.0 are the professional standards formally issued in 2013《China's finance
Integrated circuit (IC) calliper model》, content include it is compatible with EMV standards borrow/credit application, non-contact IC card pay apply,
Based on the small amount payment application of debt-credit note application, the standard is that China's bank card chip establishes standard base.Current finance
IC-card meets PBOC codes and standards, pays application (qPBOC), electronic cash comprising debit/credit application, non-contact IC card
Using double coin applications of, electronic cash etc..
In order to meet requirement of the contactless payment mode in transactions velocity, QPBOC cards are in a kind of fast of China's release
Fast debit/credit contactless payment application card, meets PBOC specifications, is the PBOC cards optimized, it is ensured that connect by non-
Touch interface and carry out fast transaction.
But QPBOC is stuck in user when being traded, it may appear that digital cash, electronic money trading flow compatibility are asked
Topic, and serious safety issue be present in digital cash transaction.
Therefore, how to realize purse application in traditional financial IC while support digital cash to be handed over electronic money
Easily, and ensure the high efficiency of digital cash transaction flow, security, be those skilled in the art's technical issues that need to address.
The content of the invention
It is an object of the invention to provide a kind of digital cash method of commerce based on financial IC card end, this method can be realized
Purse application supports digital cash and electronic money trading simultaneously, and ensures the high efficiency of digital cash transaction flow, security；
It is a further object of the present invention to provide a kind of digital cash transaction system and system based on financial IC card end, has above-mentioned beneficial
Effect.
In order to solve the above technical problems, the present invention provides a kind of digital cash method of commerce based on financial IC card end, bag
Include：
The present invention discloses a kind of digital cash method of commerce based on financial IC card end, including：
Terminal sends purse application selection instruction to IC-card end；
The terminal receives the transmission request for the transaction data that the IC-card end is sent；
The terminal determines whether that digital cash is merchandised by the transmission request；
If it is, the terminal sends transaction data to the IC-card end, so that the IC-card end judges type of transaction simultaneously
Generation checking data；Wherein, the transaction data includes application extension mark and terminal transaction attribute；The checking number
According to the clearance ciphertext and dynamic signature merchandised including digital cash；
The terminal receives the checking data that the IC-card end is sent；
The checking data that the end-on receives are verified；
After being verified, the terminal is traded process.
Wherein, the terminal also includes before sending purse application selection instruction to IC-card end：
The terminal obtains the payment system environment that the IC-card end is sent；
If the payment system environment is correct, the terminal receives the purse application mark that the IC-card end is sent.
Wherein, the terminal determines whether that digital cash transaction includes by the transmission request：
The terminal judges that described send in request asks the application extension returned to identify whether as digital cash application
And judge whether the terminal transaction attribute in the transaction data that request returns supports contactless transaction.
Wherein, the checking data that the end-on receives, which verify, includes offline data certification and DDA recognizes
Card.
Wherein, the checking data that the end-on receives also include after being verified：
The terminal sends the checking data to system end, in order to which the system end is carried out to the checking data
Checking.
The present invention discloses a kind of digital cash transaction terminal based on financial IC card end, including：
Instruction sending unit, for sending purse application selection instruction to IC-card end；
Request reception unit is sent, the transmission request of the transaction data sent for receiving the IC-card end；
Judging unit, for determining whether that digital cash is merchandised by the transmission request；
Transaction data transmitting element, for when transaction is merchandised for digital cash, transaction data to be sent to the IC-card end,
So that the IC-card end judges type of transaction and generates checking data；Wherein, the transaction data includes the application extension mark
Knowledge and terminal transaction attribute；The checking data include the clearance ciphertext and dynamic signature of digital cash transaction；
Data receipt unit is verified, the checking data sent for receiving the IC-card end；
Authentication unit, for being verified to the checking data received；
Transaction unit, for after being verified, being traded process.
The present invention discloses a kind of digital cash method of commerce based on financial IC card end, including：
The purse application selection instruction that IC-card end receiving terminal is sent；
The transmission that the IC-card end sends transaction data to the terminal asks to ask to send described in the terminal-pair
Carry out checking judgement；
The IC-card end receives the transaction data that the terminal is sent；Wherein, the transaction data expands including the application
Exhibition mark and terminal transaction attribute；
The IC-card end carries out card behavioural analysis to the transaction data；
The IC-card end sends the checking data generated by the card behavioural analysis to the terminal, so as to described
Verify that data are verified described in terminal-pair；Wherein, the checking data include the clearance ciphertext of digital cash transaction and moved
State is signed.
Wherein, the IC-card end includes to transaction data progress card behavior analysis bag：
Verify that the application extension identifies whether to match with the currency type that the IC-card end is set；
If it does, the terminal transaction attribute is verified；Wherein, the terminal transaction attribute includes the person that holds
Part checking data and dealing money.
The present invention discloses a kind of IC-card end of digital cash transaction, including：
Instruction reception unit, the purse application selection instruction sent for receiving terminal；
Transaction request transmitting element, the transmission for sending transaction data to the terminal are asked so as to the terminal-pair institute
State transmission request and carry out checking judgement；
Transaction data receiving unit, the transaction data sent for receiving the terminal；Wherein, the transaction data includes
The application extension mark and terminal transaction attribute；
Card behavior analytic unit, for carrying out card behavioural analysis to the transaction data；
Data transmission unit is verified, for the checking data generated by the card behavior analytic unit to be sent to institute
Terminal is stated, to verify that data are verified described in the terminal-pair；Wherein, the checking data include digital cash transaction
Clear ciphertext and dynamic signature.
The present invention discloses a kind of digital cash transaction system based on financial IC card end, including terminal and IC-card end；
The terminal is used to send purse application selection instruction to IC-card end；Receive the transaction data that the IC-card end is sent
Transmission request；Determine whether that digital cash is merchandised by the transmission request；Merchandised if it is, being sent to the IC-card end
Data, so that the IC-card end judges type of transaction and generates checking data；Wherein, the transaction data expands including the application
Exhibition mark and terminal transaction attribute；The checking data include the clearance ciphertext and dynamic signature of digital cash transaction；Connect
Receive the checking data that the IC-card end is sent；The checking data received are verified；After being verified, carry out
Process of exchange.
The IC-card end is used for the purse application selection instruction that receiving terminal is sent；Transaction data is sent to the terminal
Send request and carry out checking judgement to send request described in the terminal-pair；Receive the transaction data that the terminal is sent；Its
In, the transaction data includes application extension mark and terminal transaction attribute；Card row is carried out to the transaction data
For analysis；The checking data generated by the card behavioural analysis are sent to the terminal, so as to described in the terminal-pair
Checking data are verified；Wherein, the checking data include the clearance ciphertext and dynamic signature of digital cash transaction.
The request instruction for the transaction data that terminal is sent by receiving IC-card end is sentenced it can be seen from above-mentioned technical proposal
Disconnected type of transaction, type of transaction can be that digital cash transaction can also be electronic money trading；Merchandised if digital cash,
Terminal after transaction data is provided to IC-card end send transaction data, wherein, transaction data can include application extension identify with
And terminal transaction attribute；IC-card end just carries out card behavioural analysis to the transaction data received, and generates checking data and send
To terminal, wherein, the checking data include the clearance ciphertext and dynamic signature of digital cash transaction；Terminal-pair verifies data
Verified；Process is just traded after being verified to all checking data.Therefore, this method can realize that purse application is same
When support digital cash and electronic money trading, and ensure the high efficiency of digital cash transaction flow, security.
The invention also discloses a kind of digital cash transaction system and system based on financial IC card end, has above-mentioned beneficial
Effect, it will not be repeated here.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
There is the required accompanying drawing used in technology description to be briefly described, it should be apparent that, drawings in the following description are only this
The embodiment of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can also basis
The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is the flow chart of the digital cash method of commerce provided in an embodiment of the present invention based on financial IC card end；
Fig. 2 is the structured flowchart of the digital cash transaction terminal provided in an embodiment of the present invention based on financial IC card end；
Fig. 3 is the flow of another digital cash method of commerce based on financial IC card end provided in an embodiment of the present invention
Figure；
Fig. 4 is the structured flowchart at the IC-card end of digital cash provided in an embodiment of the present invention transaction；
Fig. 5 is the digital cash transaction system structured flowchart provided in an embodiment of the present invention based on financial IC card end；
Fig. 6 is that the transaction flow of the digital cash transaction system provided in an embodiment of the present invention based on financial IC card end is illustrated
Figure.
Embodiment
The core of the present invention is to provide a kind of digital cash method of commerce based on financial IC card end, and this method being capable of energy reality
Existing purse application supports digital cash and electronic money trading simultaneously, and ensures the high efficiency of digital cash transaction flow, safety
Property；It is a further object of the present invention to provide a kind of digital cash transaction system and system based on financial IC card end, has above-mentioned
Beneficial effect.
To make the purpose, technical scheme and advantage of the embodiment of the present invention clearer, below in conjunction with the embodiment of the present invention
In accompanying drawing, the technical scheme in the embodiment of the present invention is clearly and completely described, it is clear that described embodiment is
Part of the embodiment of the present invention, rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art
The every other embodiment obtained under the premise of creative work is not made, belongs to the scope of protection of the invention.
Fig. 1 is refer to, Fig. 1 is the stream of the digital cash method of commerce provided in an embodiment of the present invention based on financial IC card end
Cheng Tu；This method can include：
Step s100, terminal sends purse application selection instruction to IC-card end；
After terminal and IC-card end, which are established, to be communicated to connect, terminal sends the commands to select purse application to IC-card end, with reality
Stock coin process of exchange；Wherein, purse application is located in the safe unit of financial IC card, can support to control transaction flow, peace
Function, its exploitation such as full storage, publisher's management meet javacard, globalplatform technical standard.
Step s200, terminal receives the request instruction for the transaction data that IC-card end is sent；
Terminal can receive asking for the transaction data of IC-card end transmission after sending purse application selection instruction to IC-card end
Instruction is asked, general request instruction is stored in PDOL (Treatment Options data object list), and terminal can receive the return of IC-card end
PDOL.Wherein, whether PDOL substance supports digital cash to merchandise dependent on the cipher-text versions and card supported, one
As can include requesting terminal transaction attribute and application extension mark instruction, application extension mark (Tag ' DF61 ') in wrap
The indicating bit of application containing digital cash, general digital cash application indicating bit are expressed as digital cash application, digital cash application for 1
Indicating bit is expressed as nonnumeric currency application for 0；The setting of terminal transaction attribute (Tag ' 9F66 ') determines the type of transaction
Whether (qPBOC and contactless debit/credit application), terminal support online process or requirement to online process, terminal branch
Hold type or terminal-pair this requirement of holder's verification method；In addition, the PDOL data that IC-card end returns can also include
The request instruction of random number (Tag ' 9F37 ') and other and Tag unrelated FDDA, such as dealing money and terminal authentication knot
The request instruction of the parameters such as fruit；Wherein FDDA is quick DDA (Fast DDA), and DDA is Dynamic Data Authentication.
Step s300, terminal determines whether that digital cash is merchandised by request instruction；
Terminal determines whether that digital cash is merchandised after request instruction is received by request instruction, checks that terminal is deposited
The data of return whether are asked in storage data comprising request instruction, transaction can be terminated if necessary data is lacked in terminal,
Necessary data is identified, dealing money and terminal transaction attribute such as application extension, and necessary data is not limited at this.
In general, terminal determines whether that digital cash transaction can include by request instruction：Terminal judges request
Application extension in the data that instruction asks to return identifies whether that the end in transaction data is applied and judged for digital cash
Whether end transaction attribute supports contactless transaction.It is specifically as follows：Terminal judges the application extension in the data that request returns
Whether the indicated type of payment of mark is digital cash transaction, if it is, digital cash application, terminal are supported in explanation IC-card end
Digital cash application indicators can be set to support digital cash application to carry out using initialization；If not, explanation IC-card end is not
Digital cash application is supported, terminal can set digital cash application indicators not support digital cash application, in general, number
Word currency application indicators can be arranged to 1 when supporting digital cash to apply, and digital cash application indicators do not support digital cash
Using when can be arranged to 0；Then terminal transaction attribute can be checked, terminal judges by checking terminal transaction attribute (9F66)
Its type merchandised, if supporting qPBOC, the parameters such as dealing money, terminal transaction attribute are obtained, prompt user to show card
Piece, and to electric on non-contact interface；Operated if not, terminal can attempt another interface.
Step s400, if it is, terminal sends transaction data to IC-card end, so that IC-card end judges type of transaction and generates
Verify data；Wherein, transaction data includes application extension mark and terminal transaction attribute；Verify that data are handed over including digital cash
Easy clearance ciphertext and dynamic signature；
To be merchandised if digital cash, terminal card reader can send GPO and instruct and provide transaction data, and by transaction data
Send to IC-card end.Wherein, transaction data can include application extension mark and terminal transaction attribute, and application extension mark can
Whether digital cash application is supported with instruction terminal.In addition, transaction data can also include terminal random number (Tag ' 9F37 ') with
And the data of the unrelated card request of other and FDDA, such as dealing money, trading limit, the data such as transaction categories.
Terminal sends transaction data to IC-card end, so that IC-card end judges type of transaction by card behavioural analysis,
And checking data are generated to be verified to transaction data according to transaction data.
To be merchandised if not digital cash, then moneytary operations flow corresponding to execution, its detailed process do not limit herein,
Corresponding moneytary operations flow will not be repeated here.
Step s500, terminal receives the checking data that IC-card end is sent；
Step s600, the checking data that end-on receives are verified；
Terminal can be verified after checking data are received to checking data, and specific verification process is not limited at this
It is fixed.General checking data are transmitted by GPO, and terminal receives GPO return values, and GPO return values include verifying data.Eventually
End can distinguish follow-up transaction flow according to current type of transaction (digital cash, qPBOC).
If current transaction is digital cash flow, terminal can parse GPO return values, and organize message up sending clearance close
Literary project data, it can be responsible for verifying transaction data by system platform；
If current transaction is qPBOC flows, the file record that terminal is read according to GPO return values in IC-card end is carried out
Checking, the checking data that end-on receives, which carry out checking, can include offline data certification and DDA certifications.Terminal-pair is verified
The checking of data belongs to certified offline, can typically include terminal and read IC-card end by qPBOC after GPO return values are received
Record, record include public key index, then carry out offline data checking, can improve the security of verification process, judge to verify
Whether pass through.If the verification passes, terminal will deliver to system platform according to trading rules (such as T+0, T+1) on transaction data, such as
Authentication failed, terminal can prompt this Fail Transaction or initiation on-line transaction to complete the transaction according to parameter setting.
Verify that data can typically include clearance ciphertext and dynamic signature, the signed data in digital cash transaction is general
Using ECC algorithm, and signed data is different from electronic money trading.
Step s700, after being verified, terminal is traded process.
All verification process carry out digital moneytary operations process by rear, it is ensured that the peace of digital cash transaction flow
Quan Xing；If checking is not by that can refuse transaction or be set according to credit card issuer to send online request.
Based on above-mentioned technical proposal, the digital cash method of commerce based on financial IC card end that the embodiment of the present invention is provided
The request instruction for the transaction data that middle terminal is sent by receiving IC-card end judges type of transaction, and type of transaction can be numeral
Moneytary operations can also be electronic money trading；Merchandised if digital cash, terminal is after transaction data is provided to IC-card end
Send transaction data；IC-card end just carries out card behavioural analysis to the transaction data that receives, and generate checking data send to
Terminal, wherein, checking data include the clearance ciphertext and dynamic signature of digital cash transaction；Terminal-pair checking data are tested
Card；Process is just traded after being verified to all checking data.Therefore, this method can realize purse application while support
Digital cash and electronic money trading, and ensure the high efficiency of digital cash transaction flow, security.
Based on above-described embodiment, in order to ensure the security of process of exchange closely payment system environment, in terminal to IC
Card end can also include before sending purse application selection instruction：
Terminal obtains the payment system environment that IC-card end is sent；
If payment system environment is correct, terminal receives the purse application mark that IC-card end is sent.
After card and terminal establish communication, terminal sends SELECT orders to select PPSE (closely to pay to card
System environments), if card returns to status word error, or there is error format in PPSE, then can not be from FCI (file control information)
AID (application identity symbol) is obtained to obtain purse application mark, terminal should close contactless interface.
Based on above-described embodiment, in order to ensure the security of verification process, also for the safety for ensureing whole process of exchange
Property, the checking data that end-on receives can also include after being verified：
Terminal will verify that data are sent to system end, in order to which system end is verified to checking data.
Card issuing side is delivered in the data that terminal returns to card, publisher is according to transaction data (including signed data)
Verify its legitimacy, correctness.If authentification failure, error message is returned, prompts user's transaction to perform failure.
Fig. 2 is refer to, Fig. 2 is the knot of the digital cash transaction terminal provided in an embodiment of the present invention based on financial IC card end
Structure block diagram；The device can include：
Instruction sending unit 100, for sending purse application selection instruction to IC-card end；
Request reception unit 200 is sent, the transmission request of the transaction data for receiving the transmission of IC-card end；
Judging unit 300, for determining whether that digital cash is merchandised by sending request；
Transaction data transmitting element 400, for when transaction is merchandised for digital cash, transaction data to be sent to IC-card end,
So that IC-card end judges type of transaction and generates checking data；Wherein, transaction data includes application extension mark and terminal is handed over
Easy attribute；Verify that data include the clearance ciphertext and dynamic signature of digital cash transaction；
Data receipt unit 500 is verified, for receiving the checking data of IC-card end transmission；
Authentication unit 600, for being verified to the checking data received；
Transaction unit 700, for after being verified, being traded process.
Wherein, terminal can also include：
System environments judging unit, for obtaining the payment system environment of IC-card end transmission；If payment system environment is correct,
Terminal receives the purse application mark that IC-card end is sent.
Wherein, judging unit 300 can include mark judgment sub-unit and determined property subelement；
Wherein mark judgment sub-unit can be used for judging to send in request asking the application extension returned to identify whether
For digital cash application；
Determined property subelement can be used for judging whether the terminal transaction attribute in the transaction data of request return is supported
Contactless transaction.
Wherein, authentication unit 600 can include digital cash certification subelement and qPBOC certification subelements.
Digital cash certification subelement is used for, if current transaction is digital cash flow, to the checking data received
Verified.
Based on above-described embodiment, digital cash certification subelement specifically can be used for parsing GPO return values, and organize message
On send clearance ciphertext project data, by system platform be responsible for verify transaction data；
QPBOC certification subelements are used for, if current transaction is qPBOC flows, the checking data received are tested
Card.
Based on above-described embodiment, qPBOC certifications subelement specifically can be used for being read in IC-card end according to GPO return values
File record is verified.Wherein, the checking data received are carried out with checking to recognize including offline data certification and DDA
Card.Checking of the qPBOC certifications subelement to verifying data belongs to certified offline, can typically be included in after receiving GPO return values
The record at IC-card end is read by qPBOC, record includes public key index, then carries out offline data checking, can improve checking
The security of process, judgement verify whether to pass through.If the verification passes, according to trading rules (such as T+0, T+1) by transaction data
On deliver to system platform, such as authentication failed, according to parameter setting prompt this Fail Transaction or initiate on-line transaction complete the pen
Transaction.
It should be noted that in the digital cash transaction terminal based on financial IC card end in the application embodiment
Unit, its course of work refer to embodiment corresponding to Fig. 1, will not be repeated here.
Fig. 3 is refer to, Fig. 3 is another digital cash counterparty based on financial IC card end provided in an embodiment of the present invention
The flow chart of method；This method can include：
Step s110, the purse application selection instruction that IC-card end receiving terminal is sent；
After IC-card end and terminal, which are established, to be communicated to connect, the selection purse application instruction of IC-card end meeting receiving terminal transmission,
To realize moneytary operations process；Wherein, purse application is located in the safe unit at financial IC card end, can support to control transaction flow
Function, its exploitation such as journey, safety storage, publisher's management meet javacard, globalplatform technical standard.
Step s210, IC-card end sends the transmission request of transaction data so that terminal-pair transmission request is verified to terminal
Judge；
IC-card end can return to the transmission request of transaction data after the purse application selection instruction of terminal transmission is received, please
Terminal is asked to return to transaction data to IC-card end.General request instruction is stored in PDOL (Treatment Options data object list), IC
Instruction is stored in PDOL by card end is sent to terminal.Wherein, PDOL substance dependent on support cipher-text versions and
Whether card supports digital cash to merchandise, and can typically include the instruction of requesting terminal transaction attribute and application extension mark,
Digital cash application indicating bit is included in application extension mark (Tag ' DF61 '), general digital cash application indicating bit is 1 expression
For digital cash application, digital cash application indicating bit is expressed as nonnumeric currency application for 0；Terminal transaction attribute (Tag
' 9F66 ') setting determine the type (qPBOC and contactless debit/credit application) of transaction, that whether terminal is supported is online
Type or terminal-pair this requirement of holder's verification method are supported in processing or the requirement to online process, terminal；In addition, IC
The PDOL data that card end returns can also include random number (Tag ' 9F37 ') and other and Tag unrelated FDDA request refer to
Order, such as the request instruction of the parameter such as dealing money and terminal authentication result；Wherein FDDA is quick DDA (Fast DDA),
DDA is Dynamic Data Authentication.
Step s310, the transaction data that IC-card end receiving terminal is sent；Wherein, transaction data include application extension identify with
And terminal transaction attribute；
Step s410, IC-card end carries out card behavioural analysis to transaction data；
After IC-card termination receives the transaction data of terminal transmission (vanilla transaction data are transmitted with GPO), IC-card end passes through
Card behavioural analysis is taken off to judge type of transaction and ratifies transaction or refusal transaction, and the data generation dynamic transmitted using GPO is signed
Name and application cryptogram.Specific steps of card behavioural analysis are not limited at this, it is possible to achieve judge type of transaction and generate
Verify data.
The behavior at IC-card end can be controlled by a series of demands in the parameters such as card additional treatments (9F68), its
Real is exactly the inspection to currency type and amount of currency, for example dealing money is more than the single transaction upper limit；If accumulative trade gold
Volume exceedes the cumulative transaction amount upper limit, and IC-card end may terminate transaction.
Step s510, IC-card end sends the checking data generated by card behavioural analysis to terminal, so as to terminal-pair
Checking data are verified；Wherein, verify that data include the clearance ciphertext and dynamic signature of digital cash transaction.
IC-card end judges type of transaction by card behavioural analysis, takes off approval transaction or refusal transaction, and pass using GPO
The data generation dynamic signature and application cryptogram sent, are passed back to terminal.
Verify that data can typically include clearance ciphertext and dynamic signature, the signed data in digital cash transaction is general
Using ECC algorithm, and signed data is different from electronic money trading.
Corresponding to digital cash method of commerce based on financial IC card end corresponding to Fig. 3 and Fig. 1 based on financial IC card
The digital cash method of commerce beneficial effect at end is similar, will not be repeated here.
Based on above-described embodiment, IC-card end carries out card behavioural analysis to transaction data can specifically include：
Checking application extension identifies whether to match with the currency type that IC-card end is set；
If it does, terminal transaction attribute is verified；Wherein, terminal transaction attribute includes holder's authentication number
According to this and dealing money.
For example, whether the currency that the transaction currency in the transaction data that checking terminal returns is set with IC-card end matches；
Judge whether terminal possesses connection ability；Terminal transaction attribute represents that terminal has connection ability, if digital
Moneytary operations, terminal must possess online function.
Verify that holder verifies indicating bit；The holder of terminal transaction attribute verifies that indicating bit is 0, and currency matches, and hands over
The easy amount of money is less than the single limit that card is set, then the transaction is verified without holder；Otherwise need holder with input password,
The modes such as bio-identification, perfect instrument are completed to verify.
Furthermore it is also possible to the key elements such as dealing money, trade date are signed.
Fig. 4 is refer to, Fig. 4 is the IC-card end of digital cash provided in an embodiment of the present invention transaction；The device can include：
Instruction reception unit 110, the purse application selection instruction sent for receiving terminal；
Transaction request transmitting element 210, the transmission for sending transaction data to terminal ask to ask so that terminal-pair is sent
Ask and carry out checking judgement；
Transaction data receiving unit 310, the transaction data sent for receiving terminal；Wherein, transaction data includes application
Extension mark and terminal transaction attribute；
Card behavior analytic unit 410, for carrying out card behavioural analysis to transaction data；
Data transmission unit 510 is verified, for the checking data generated by card behavior analytic unit to be sent to end
End, so that terminal-pair checking data are verified；Wherein, verify that data include the clearance ciphertext and dynamic of digital cash transaction
Signature.
Wherein, card behavior analytic unit 410 may further include the first checking subelement and the second checking subelement；
First checking subelement is used to verify that application extension identifies whether to match with the currency type that IC-card end is set；
Match if the second checking subelement is used for the currency type that application extension mark is set with IC-card end, to terminal
Transaction attribute is verified；Wherein, terminal transaction attribute includes holder's certificate data and dealing money.
It should be noted that the unit in the IC-card end that the digital cash in the application embodiment is merchandised,
Its course of work refer to embodiment corresponding to Fig. 3, will not be repeated here.
Fig. 5 is refer to, Fig. 5 is the digital cash transaction system provided in an embodiment of the present invention based on financial IC card end；Should
System can include terminal 700 and IC-card end 800；
Terminal is used to send purse application selection instruction to IC-card end；The transmission for receiving the transaction data that IC-card end is sent please
Ask；Determine whether that digital cash is merchandised by sending request；If it is, transaction data is sent to IC-card end, so as to IC-card end
Judge type of transaction and generate checking data；Wherein, transaction data includes application extension mark and terminal transaction attribute；Checking
Data include the clearance ciphertext and dynamic signature of digital cash transaction；Receive the checking data that IC-card end is sent；To receiving
Checking data verified；After being verified, process is traded.
IC-card end is used for the purse application selection instruction that receiving terminal is sent；The transmission that transaction data is sent to terminal is asked
Checking judgement is carried out so that terminal-pair sends request；The transaction data that receiving terminal is sent；Wherein, transaction data includes application expansion
Exhibition mark and terminal transaction attribute；Card behavioural analysis is carried out to transaction data；Tested what is generated by card behavioural analysis
Card data are sent to terminal, so that terminal-pair checking data are verified；Wherein, verify that data include the clear of digital cash transaction
Calculate ciphertext and dynamic signature.
Wherein, terminal 700 can be also used for obtaining the payment system environment that IC-card end is sent；If payment system environment is just
Really, terminal receives the purse application mark that IC-card end is sent.
Checking data are sent to system end, in order to which system end is verified to checking data.
Wherein, IC-card end can be also used for verifying that application extension identifies whether the currency type phase set with IC-card end
Match somebody with somebody；If it does, terminal transaction attribute is verified；Wherein, terminal transaction attribute include holder's certificate data with
And dealing money.
Setting transaction data is that application extension mark, terminal transaction attribute, terminal random number and other and FDDA are unrelated
IC-card end request data；Its specific work process can refer to shown in Fig. 6.
It should also be noted that, herein, such as first and second or the like relational terms are used merely to one
Entity either operates to be made a distinction with another entity or operation, and is not necessarily required or implied these entities or operate it
Between any this actual relation or order be present.
It is apparent to those skilled in the art that for convenience and simplicity of description, the device of foregoing description,
The specific work process of equipment, storage medium and unit, the corresponding process in preceding method embodiment is may be referred to, herein no longer
Repeat.
In several embodiments provided herein, it should be understood that disclosed device, equipment, storage medium and
Method, it can realize by another way.For example, device embodiment described above is only schematical, for example, single
The division of member, only a kind of division of logic function can have an other dividing mode when actually realizing, for example, multiple units or
Component can combine or be desirably integrated into another system, or some features can be ignored, or not perform.It is another, show
Show or the mutual coupling discussed or direct-coupling or communication connection can be by some interfaces, between device or unit
Coupling or communication connection are connect, can be electrical, mechanical or other forms.
The unit illustrated as separating component can be or may not be physically separate, be shown as unit
Part can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple networks
On unit.Some or all of unit therein can be selected to realize the purpose of this embodiment scheme according to the actual needs.
In addition, each functional unit in each embodiment of the application can be integrated in a processing unit, can also
That unit is individually physically present, can also two or more units it is integrated in a unit.Above-mentioned integrated list
Member can both be realized in the form of hardware, can also be realized in the form of SFU software functional unit.
If integrated unit is realized in the form of SFU software functional unit and is used as independent production marketing or in use, can
To be stored in a computer read/write memory medium.Based on such understanding, the technical scheme of the application substantially or
Saying all or part of the part to be contributed to prior art or the technical scheme can be embodied in the form of software product
Out, the computer software product is stored in a storage medium, including some instructions are causing a computer equipment
(can be personal computer, funcall device, or network equipment etc.) performs the whole of each embodiment method of the application
Or part steps.And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (Read-Only Memory,
ROM), random access memory (Random Access Memory, RAM), magnetic disc or CD etc. are various can be with storage program
The medium of code.
Each embodiment is described by the way of progressive in specification, and what each embodiment stressed is and other realities
Apply the difference of example, between each embodiment identical similar portion mutually referring to.For device disclosed in embodiment
Speech, because it is corresponded to the method disclosed in Example, so description is fairly simple, related part is referring to method part illustration
.
Professional further appreciates that, with reference to the unit of each example of the embodiments described herein description
And algorithm steps, can be realized with electronic hardware, computer software or the combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software, the composition and step of each example are generally described according to function in the above description.These
Function is performed with hardware or software mode actually, application-specific and design constraint depending on technical scheme.Specialty
Technical staff can realize described function using distinct methods to each specific application, but this realization should not
Think beyond the scope of this invention.
Directly it can be held with reference to the step of method or algorithm that the embodiments described herein describes with hardware, processor
Capable software module, or the two combination are implemented.Software module can be placed in random access memory (RAM), internal memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In any other form of storage medium well known in field.
The digital cash method of commerce provided by the present invention based on financial IC card end, apparatus and system are carried out above
It is discussed in detail.Specific case used herein is set forth to the principle and embodiment of the present invention, above example
Illustrate to be only intended to help the method and its core concept for understanding the present invention.It should be pointed out that the common skill for the art
For art personnel, under the premise without departing from the principles of the invention, some improvement and modification can also be carried out to the present invention, these change
Enter and modify to also fall into the protection domain of the claims in the present invention.
Claims (10)
- A kind of 1. digital cash method of commerce based on financial IC card end, it is characterised in that including：Terminal sends purse application selection instruction to IC-card end；The terminal receives the transmission request for the transaction data that the IC-card end is sent；The terminal determines whether that digital cash is merchandised by the transmission request；If it is, the terminal sends transaction data to the IC-card end, so that the IC-card end judges type of transaction and generates Verify data；Wherein, the transaction data includes application extension mark and terminal transaction attribute；The checking packet Include the clearance ciphertext and dynamic signature of digital cash transaction；The terminal receives the checking data that the IC-card end is sent；The checking data that the end-on receives are verified；After being verified, the terminal is traded process.
- 2. the digital cash method of commerce based on financial IC card end as claimed in claim 1, it is characterised in that the terminal to IC-card end also includes before sending purse application selection instruction：The terminal obtains the payment system environment that the IC-card end is sent；If the payment system environment is correct, the terminal receives the purse application mark that the IC-card end is sent.
- 3. the digital cash method of commerce based on financial IC card end as claimed in claim 2, it is characterised in that the terminal is led to Cross the transmission request and determine whether that digital cash transaction includes：The terminal judge it is described send request in ask return application extension identify whether for digital cash apply and Judge whether the terminal transaction attribute in the transaction data that request returns is to support contactless transaction.
- 4. the digital cash method of commerce based on financial IC card end as claimed in claim 3, it is characterised in that the terminal-pair The checking data received, which carry out checking, includes offline data certification and DDA certifications.
- 5. the digital cash method of commerce based on financial IC card end as claimed in claim 4, it is characterised in that the terminal-pair The checking data received also include after being verified：The terminal sends the checking data to system end, in order to which the system end is tested the checking data Card.
- A kind of 6. digital cash transaction terminal based on financial IC card end, it is characterised in that including：Instruction sending unit, for sending purse application selection instruction to IC-card end；Request reception unit is sent, the transmission request of the transaction data sent for receiving the IC-card end；Judging unit, for determining whether that digital cash is merchandised by the transmission request；Transaction data transmitting element, for when transaction is merchandised for digital cash, transaction data to be sent to the IC-card end, so as to The IC-card end judges type of transaction and generates checking data；Wherein, the transaction data include the application extension identify with And terminal transaction attribute；The checking data include the clearance ciphertext and dynamic signature of digital cash transaction；Data receipt unit is verified, the checking data sent for receiving the IC-card end；Authentication unit, for being verified to the checking data received；Transaction unit, for after being verified, being traded process.
- A kind of 7. digital cash method of commerce based on financial IC card end, it is characterised in that including：The purse application selection instruction that IC-card end receiving terminal is sent；The transmission that the IC-card end sends transaction data to the terminal asks to carry out to send request described in the terminal-pair Checking judges；The IC-card end receives the transaction data that the terminal is sent；Wherein, the transaction data includes the application extension mark Knowledge and terminal transaction attribute；The IC-card end carries out card behavioural analysis to the transaction data；The IC-card end sends the checking data generated by the card behavioural analysis to the terminal, so as to the terminal The checking data are verified；Wherein, the checking data include the clearance ciphertext of digital cash transaction and dynamic is signed Name.
- 8. the digital cash method of commerce based on financial IC card end as claimed in claim 7, it is characterised in that the IC-card end Card behavior analysis bag is carried out to the transaction data to include：Verify that the application extension identifies whether to match with the currency type that the IC-card end is set；If it does, the terminal transaction attribute is verified；Wherein, the terminal transaction attribute is tested including holder's identity Demonstrate,prove data and dealing money.
- A kind of 9. IC-card end of digital cash transaction, it is characterised in that including：Instruction reception unit, the purse application selection instruction sent for receiving terminal；Transaction request transmitting element, the transmission for sending transaction data to the terminal are asked so as to hair described in the terminal-pair Request is sent to carry out checking judgement；Transaction data receiving unit, the transaction data sent for receiving the terminal；Wherein, the transaction data includes described Application extension identifies and terminal transaction attribute；Card behavior analytic unit, for carrying out card behavioural analysis to the transaction data；Data transmission unit is verified, for the checking data generated by the card behavior analytic unit to be sent to the end End, to verify that data are verified described in the terminal-pair；Wherein, the checking data include the clearance of digital cash transaction Ciphertext and dynamic signature.
- 10. a kind of digital cash transaction system based on financial IC card end, it is characterised in that including terminal and IC-card end；The terminal is used to send purse application selection instruction to IC-card end；Receive the hair for the transaction data that the IC-card end is sent Send request；Determine whether that digital cash is merchandised by the transmission request；If it is, send number of deals to the IC-card end According to so that the IC-card end judges type of transaction and generates checking data；Wherein, the transaction data includes the application extension Mark and terminal transaction attribute；The checking data include the clearance ciphertext and dynamic signature of digital cash transaction；Receive The checking data that the IC-card end is sent；The checking data received are verified；After being verified, handed over Easy process；The IC-card end is used for the purse application selection instruction that receiving terminal is sent；The transmission of transaction data is sent to the terminal Request carries out checking judgement to send request described in the terminal-pair；Receive the transaction data that the terminal is sent；Wherein, institute Stating transaction data includes application extension mark and terminal transaction attribute；Card behavior point is carried out to the transaction data Analysis；The checking data generated by the card behavioural analysis are sent to the terminal, so as to checking described in the terminal-pair Data are verified；Wherein, the checking data include the clearance ciphertext and dynamic signature of digital cash transaction.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711193832.XA CN107862607A (en) | 2017-11-24 | 2017-11-24 | A kind of digital cash method of commerce and system based on financial IC card end |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711193832.XA CN107862607A (en) | 2017-11-24 | 2017-11-24 | A kind of digital cash method of commerce and system based on financial IC card end |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107862607A true CN107862607A (en) | 2018-03-30 |
Family
ID=61702438
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711193832.XA Pending CN107862607A (en) | 2017-11-24 | 2017-11-24 | A kind of digital cash method of commerce and system based on financial IC card end |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN107862607A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112712359A (en) * | 2020-12-31 | 2021-04-27 | 深圳市证通电子股份有限公司 | Money receiving method, money receiving device, and readable storage medium |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102117520A (en) * | 2009-12-31 | 2011-07-06 | 亿阳信通股份有限公司 | Integrated circuit (IC) card-based payment method, management device, server and mobile terminal |
| CN107230079A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of offline electronic payment are carried out using digital cash chip card |
| CN107358436A (en) * | 2017-06-26 | 2017-11-17 | 中国人民银行数字货币研究所 | Method, the system paid by the digital cash wallet of bank account access registrar |
-
2017
- 2017-11-24 CN CN201711193832.XA patent/CN107862607A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102117520A (en) * | 2009-12-31 | 2011-07-06 | 亿阳信通股份有限公司 | Integrated circuit (IC) card-based payment method, management device, server and mobile terminal |
| CN107230079A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of offline electronic payment are carried out using digital cash chip card |
| CN107358436A (en) * | 2017-06-26 | 2017-11-17 | 中国人民银行数字货币研究所 | Method, the system paid by the digital cash wallet of bank account access registrar |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112712359A (en) * | 2020-12-31 | 2021-04-27 | 深圳市证通电子股份有限公司 | Money receiving method, money receiving device, and readable storage medium |
| CN112712359B (en) * | 2020-12-31 | 2024-01-12 | 深圳市证通电子股份有限公司 | Money collection method, money collection device, and readable storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20200294031A1 (en) | Transaction processing system and method for providing per-transaction personal financial management | |
| CN104603809B (en) | Promote the system and method for transaction using virtual card on the mobile apparatus | |
| JP5518740B2 (en) | System and method for data completion including a push identifier | |
| KR101015341B1 (en) | Online payer authentication service | |
| CN101512957B (en) | Use the transaction authentication of network | |
| US10147077B2 (en) | Financial transaction method and system having an update mechanism | |
| CN103810597B (en) | mobile device, payment transaction system and payment transaction method | |
| AU2007261072B2 (en) | Consumer authentication system and method | |
| CN107851254A (en) | At utmost reduce the seamless transaction of user's input | |
| US8515815B2 (en) | Management system and method for personal per-card use subaccount transaction financial management | |
| US20080265020A1 (en) | System and method for performing payment transactions, verifying age, verifying identity, and managing taxes | |
| CN101095162A (en) | System and method for a secure transaction module | |
| CN107430730A (en) | Device with multiple identifiers | |
| CN105531730A (en) | Systems, methods, and computer program products for enabling instrument credentials | |
| MXPA05012969A (en) | Customer authentication in e-commerce transactions. | |
| JP2016076262A (en) | Method of paying for product or service in commercial website via internet connection and corresponding terminal | |
| US20210406869A1 (en) | Methods, systems and computer program products for modifying contactless payment card configurations | |
| CN106104609A (en) | Real time portable renewal of the equipment | |
| CN108537520A (en) | A kind of method and apparatus of access Third-party payment transaction | |
| CN108292376A (en) | The system for carrying out crossed card certification using purse transaction certification history | |
| CN103714624A (en) | Method, system and server for recharging electronic wallet and recharging operating terminal | |
| CN107862607A (en) | A kind of digital cash method of commerce and system based on financial IC card end | |
| CN1845184B (en) | Intelligent key apparatus with electronic purse function | |
| TWI682345B (en) | Electronic payment transaction data processing method via inter-bank financial platform | |
| TWI529640B (en) | Action payment method and action payment equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180330 |