CN109064316B

CN109064316B - Method and device for recovering offline consumption limit by credit card

Info

Publication number: CN109064316B
Application number: CN201810882844.1A
Authority: CN
Inventors: 陆舟; 于华章
Original assignee: Feitian Technologies Co Ltd
Current assignee: Feitian Technologies Co Ltd
Priority date: 2018-08-06
Filing date: 2018-08-06
Publication date: 2020-10-13
Anticipated expiration: 2038-08-06
Also published as: CN109064316A

Abstract

The invention discloses a method and a device for recovering offline consumption limit by a credit card, wherein the method comprises the following steps: when the card receives a data fetching command sent by a terminal in the online transaction process, sending the offline consumption limit to a bank background server through the terminal; after the online transaction is finished, the card restores the offline consumption limit, which specifically comprises the following steps: judging whether the off-line consumption line restoring mode is a resetting mode, and if the off-line consumption line restoring mode is the resetting mode, restoring the off-line consumption line to the upper limit of the off-line consumption line; when the received script updating instruction needs to perform offline consumption limit recovery operation, executing data assignment operation; if not, judging whether a script updating instruction is received, if so, judging whether the current transaction is a credit transaction, if so, modifying the upper limit of the offline consumption amount, updating the offline consumption amount by using the modified upper limit of the offline consumption amount, otherwise, executing data assignment operation according to the received script updating instruction.

Description

Method and device for recovering offline consumption limit by credit card

Technical Field

The invention relates to the field of finance, in particular to a method and a device for recovering offline consumption amount by using a credit card.

Background

The credit card is a credit card which is given a certain credit line to a card holder by an issuing bank and can be consumed and paid in the credit line first. The credit card is a credit card in the true sense and has the functions of credit consumption, account transfer settlement, cash access and the like. It has the following characteristics: the payment is carried out after the consumption, the paying-free period is enjoyed, the lowest payment amount is set, and the customer can pay by stages independently when overdraft appears. The existing credit card only supports one currency, the use range is limited, and the recovery of the offline consumption amount needs the terminal to send the card issuing script again to the card, so the use is very inconvenient.

Disclosure of Invention

The invention aims to overcome the defects of the prior art and provides a method and a device for recovering an offline consumption amount by a credit card.

The invention provides a method for recovering offline consumption amount by a credit card, which comprises the following steps:

when the card receives a data fetching command sent by a terminal in the online transaction process, sending the offline consumption limit to a bank background server through the terminal;

when the card is finished in the online transaction, the card recovers the offline consumption amount;

the card offline consumption amount recovery method specifically comprises the following steps:

step S1: the card judges whether the mode of recovering the offline consumption limit is a reset mode, if so, the step S2 is executed, otherwise, the step S5 is executed;

step S2: the card restores the offline consumption limit to the offline consumption limit upper limit;

step S3: the card judges whether a script updating instruction is received, if so, step S4 is executed, otherwise, error information is returned to the terminal, and the transaction is ended;

step S4: the card judges whether to carry out off-line consumption amount recovery operation according to the received script updating instruction, if so, error information is returned to the terminal, the transaction is ended, otherwise, data assignment operation is carried out according to the received script updating instruction, and the transaction is ended;

step S5: the card judges whether a script updating instruction is received, if so, step S6 is executed, otherwise, error information is returned to the terminal, and the transaction is ended;

step S6: and the card judges whether the current transaction is a credit transaction, if so, the upper limit of the offline consumption amount is modified, the offline consumption amount is updated by using the modified upper limit of the offline consumption amount, the transaction is ended, otherwise, the data assignment operation is executed according to the received script updating instruction, and the transaction is ended.

Further, the step S2 includes:

step S2-1: the card determines the type of the transaction currency, and performs step S2-2 if the card is the first currency, performs step S2-3 if the card is the second currency, and performs step S3 if the card is the other currency;

step S2-2: the card restores the first currency offline consumption amount to the first currency offline consumption amount upper limit, assigns the restored first currency offline consumption amount to the card issuer application data, and executes step S3;

step S2-3: the card restores the second currency offline spending limit to the second currency offline spending limit upper limit, and step S3 is executed.

Further, the step S6 includes:

step S6-1: the card judges the type of the received script updating instruction, if the received script updating instruction is to update a first currency instruction, the step S6-2 is executed, if the received script updating instruction is to update a second currency instruction, the step S6-3 is executed, if the received script updating instruction is other, data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

step S6-2: the card judges whether the current transaction is a credit transaction, if so, the upper limit of the first currency off-line consumption amount is modified, the first currency off-line consumption amount is updated by using the modified upper limit of the first currency off-line consumption amount, the transaction is ended, otherwise, the data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

step S6-3: and the card judges whether the current transaction is a credit transaction, if so, the upper limit of the second currency off-line consumption amount is modified, the modified second currency off-line consumption amount upper limit is used for updating the second currency off-line consumption amount, the transaction is ended, otherwise, the data assignment operation is executed according to the received script updating instruction, and the transaction is ended.

Further, the step S1 is specifically: and the card judges whether the second bit of the second byte of the default behavior is a first preset value or not, if so, the off-line consumption amount recovery mode is a reset mode, and the step S2 is executed, otherwise, the step S5 is executed.

Further, the step S2-1 includes: the card judges the type of the transaction currency code temporarily stored, if the transaction currency is the first currency electronic cash application currency code, the transaction currency is the first currency, and step S2-2 is executed; if the currency code is applied to the electronic cash of the second currency, the transaction currency is the second currency, and step S2-3 is executed; if not, the step S3 is executed.

Further, the step S4 includes: and the card judges whether the third byte data and the fourth byte data in the received script updating instruction are first preset data, if so, error information is returned to the terminal, the transaction is ended, otherwise, data assignment operation is executed according to the received script updating instruction, and the transaction is ended.

Further, the step S6-1 includes: and the card judges that the third byte data and the fourth byte data in the script updating instruction are received, if the third byte data and the fourth byte data are the second preset data, the received script updating instruction is the first currency updating instruction, the step S6-2 is executed, if the third byte data and the fourth byte data are the second preset data, the received script updating instruction is the second currency updating instruction, the step S6-3 is executed, if the third byte data and the fourth byte data are other data, data assignment operation is executed according to the received script updating instruction, and the transaction is ended.

Further, the card determining whether the current transaction is a credit transaction comprises: and the card judges whether the fifth bit of the first byte of the card value-added function indicator is a first preset value, if so, the current transaction is a credit transaction, and otherwise, the current transaction is not the credit transaction.

Further, the method further comprises:

step B0: when the card receives a command sent by a terminal in an offline state, judging the type of the command, if the command is a data storage command, executing the step B1, if the command is an application selection command, executing the step B2, if the command is a processing option acquisition command, executing the step B3, and if the command is a record reading command, executing the step B6;

step B1: the card writes the value of the application default behavior and the value of the card value-added function indicator in the data storage instruction into the card, and returns a data storage success response to the terminal; waiting for the data to be received, and returning to the step B0;

step B2: the card returns a selection application response including a processing option data object list to the terminal, waits for receiving data, and returns to the step B0;

step B3: the card is provided with a currency matching identifier and acquires a data element;

step B4: the card executes card risk management, dynamic signature data is generated according to the data elements and the card data, and an application ciphertext is generated according to the tag in the processing option data object list;

step B5: the card returns an acquisition processing option response containing the dynamic signature data, the application ciphertext and the application file locator to the terminal, waits for receiving data, and returns to the step B0;

step B6: the card judges whether the received reading record instruction is the last reading record operation instruction, if so, the step B8 is executed, otherwise, the step B7 is executed;

step B7: the card searches for a corresponding record according to the application file locator in the record reading instruction and returns the record to the terminal, modifies the value on the corresponding position in the reading identification, waits for receiving data, and returns to the step B0;

step B8: the card judges whether the transaction log needs to be recorded, if so, the transaction log is recorded, the offline consumption limit is updated, the corresponding record is searched according to the application file locator in the record reading instruction, the corresponding record and the successful response are returned to the terminal, the value on the corresponding position in the reading identifier is modified, the data is waited to be received, and the step B0 is returned; otherwise, updating the offline consumption limit, searching the corresponding record according to the application file locator in the record reading instruction, returning the corresponding record and the successful response to the terminal, modifying the value on the corresponding position in the reading identifier, waiting for receiving the data, and returning to the step B0.

Further, the step B3 includes: the card judges the type of the transaction currency according to the acquisition processing option instruction, if the transaction currency is the first currency, a currency matching identifier is set, a data element of the first currency is acquired, and step B4 is executed; if the currency matching identification is set for the second currency, acquiring a data element of the second currency, and executing the step B4; and if the currency is not matched, setting the currency to be not matched and ending.

Further, the card judges the type of the transaction currency according to the acquisition processing option instruction, and the method comprises the following steps: the card judges and acquires the value of the transaction currency code in the processing option instruction, and if the value of the transaction currency code is consistent with the value of the application currency code, the transaction currency is the first currency; if the value of the electronic cash application currency code of the second currency is consistent with the value of the electronic cash application currency code of the second currency, the transaction currency is the second currency; if the currency is not matched with the other value, returning error information to the terminal, and ending the transaction.

Further, the card performing card risk management includes: the card judges whether a currency matching identifier is set, if so, judges whether the transaction amount is smaller than the offline transaction consumption amount, if so, replaces the stored offline consumption amount by the value obtained by subtracting the current offline consumption amount from the stored offline consumption amount, and if not, returns error information to the terminal, and the transaction is ended; otherwise, returning error information to the terminal, and ending the transaction.

Further, the step B6 is specifically: the card judges whether the value of the application reading identifier is a second set value, if so, the received reading and recording instruction is the last reading and recording operation instruction, otherwise, the received reading and recording instruction is not the last reading and recording operation instruction; the initial value of each bit in the reading identification is a first set value.

Further, the modifying the value of the corresponding bit in the read identifier specifically includes: and the card sets the value on the corresponding position in the reading mark as a second set value.

Further, the card determining whether the transaction log needs to be recorded includes: and judging whether the fifth bit of the second byte data of the card attribute in the reading and recording instruction is a first set value, if so, recording a transaction log, otherwise, not recording the transaction log.

Further, the updating of the offline consumption limit specifically includes: and the card replaces the stored offline consumption limit with the value obtained by subtracting the current offline consumption amount from the stored offline consumption limit.

Further, the card searches for a corresponding record according to the application file locator in the record reading instruction, including: and the card acquires an end file identifier of the file according to the upper five bits of the fourth byte in the reading and recording instruction, acquires a recording number according to the third byte of the reading and recording instruction, and reads the recording content corresponding to the recording number in the file corresponding to the end file identifier.

The invention also provides a device for recovering the offline consumption amount by the credit card, which comprises:

the first sending module is used for sending the offline consumption limit to a bank background server through the terminal when the card receives a data fetching command sent by the terminal in the online transaction process;

the credit recovery module is used for recovering the offline consumption credit after the card finishes the online transaction;

the limit recovery module specifically comprises:

the first judgment submodule is used for judging whether the mode of recovering the offline consumption limit is a reset mode, if so, the first recovery submodule is triggered, and otherwise, the fourth judgment submodule is triggered;

the first recovery submodule is used for recovering the offline consumption line to the upper limit of the offline consumption line;

the second judgment submodule is used for judging whether a script updating instruction is received or not after the first recovery submodule recovers the offline consumption line to the offline consumption line upper limit, if so, the third judgment submodule is triggered, and if not, the return submodule is triggered;

the third judgment submodule is used for judging whether to recover the offline consumption limit operation according to the received script updating instruction, if so, the return submodule is triggered, and otherwise, the assignment submodule is triggered;

the assignment submodule is used for executing data assignment operation according to the received script updating instruction and ending the transaction;

the fourth judgment submodule is used for judging whether a script updating instruction is received or not, if so, the fifth judgment submodule is triggered, and if not, the return submodule is triggered;

the fifth judgment sub-module is used for judging whether the current transaction is a credit transaction, if so, modifying the upper limit of the offline consumption amount, updating the offline consumption amount by using the modified upper limit of the offline consumption amount, and if not, triggering the assignment sub-module;

and the return submodule is used for returning error information to the terminal and ending the transaction.

Further, the first recovery sub-module includes:

the first judgment unit is used for judging the type of the transaction currency, triggering the first recovery unit if the transaction currency is the first currency, triggering the second recovery unit if the transaction currency is the second currency, and triggering the second judgment submodule if the transaction currency is other currencies;

the first recovery unit is used for recovering the first currency offline consumption amount to a first currency offline consumption amount upper limit, assigning the recovered first currency offline consumption amount to card issuing bank application data, and triggering the second judgment sub-module;

and the second recovery unit is used for recovering the second currency offline consumption amount to the second currency offline consumption amount upper limit and triggering the second judgment submodule.

Further, the fifth judgment sub-module includes:

the second judgment unit is used for judging the type of the received script updating instruction, if the received script updating instruction is used for updating the first currency instruction, the third judgment unit is triggered, if the received script updating instruction is used for updating the second currency instruction, the fourth judgment unit is triggered, and if the received script updating instruction is used for updating the second currency instruction, the assignment submodule is triggered;

the third judging unit is used for judging whether the current transaction is a credit transaction, if so, the first modifying unit is triggered, and if not, the assignment submodule is triggered;

the first modification unit is used for modifying the upper limit of the first currency offline consumption amount, updating the first currency offline consumption amount by using the modified upper limit of the first currency offline consumption amount, and ending the transaction;

the fourth judging unit is used for judging whether the current transaction is a credit transaction, if so, the second modifying unit is triggered, and if not, the assignment submodule is triggered;

and the second modification unit is used for modifying the upper limit of the second currency offline consumption amount, updating the second currency offline consumption amount by using the modified upper limit of the second currency offline consumption amount, and ending the transaction.

Further, the first judgment sub-module is specifically configured to judge whether a second bit of a second byte to which the default behavior is applied is a first predetermined value, if so, trigger the first recovery sub-module, otherwise, trigger the fourth judgment sub-module.

Further, the first judging unit is specifically configured to judge a type of the transaction currency code that is temporarily stored, and trigger the first restoring unit if the transaction currency is the first currency if the currency code is applied to the electronic cash of the first currency; if the currency code is applied to the electronic cash of the second currency, the transaction currency is the second currency, and a second recovery unit is triggered; and if the number of the sub-modules is other, triggering the second judgment sub-module.

Further, the third determining submodule is specifically configured to determine whether the third byte data and the fourth byte data in the received script update instruction are the first preset data, if so, trigger the return submodule, and otherwise trigger the assignment submodule.

Further, the second determining unit is specifically configured to determine that the received third and fourth byte data in the script update instruction are received, if the received script update instruction is the first currency update instruction if the received script update instruction is the second preset data, trigger the third determining unit, if the received script update instruction is the second currency update instruction if the received script update instruction is the third preset data, trigger the fourth determining unit, and if the received script update instruction is the other data, trigger the assignment submodule.

Further, the third judging unit is specifically configured to judge whether a fifth bit of the first byte of the card value-added function indicator is a first predetermined value, if so, the current transaction is a credit transaction, and the first modifying unit is triggered, otherwise, the current transaction is not a credit transaction, and the assignment sub-module is triggered.

Further, the apparatus further comprises:

the first judgment module is used for judging the type of the instruction when the card receives the instruction sent by the terminal in an offline state, triggering the write-in return module if the instruction is a data storage instruction, triggering the first return module if the instruction is an application selection instruction, triggering the setting acquisition module if the instruction is a processing option acquisition instruction, and triggering the second judgment module if the instruction is a record reading instruction;

the write-in return module is used for writing the value of the application default behavior and the value of the card value-added function indicator in the data storage instruction into the card and returning a data storage success response to the terminal; waiting for receiving data, and triggering the first judgment module;

the first returning module is used for returning a selection application response comprising a processing option data object list to the terminal, waiting for receiving data and triggering the first judging module;

the setting and acquiring module is used for setting the currency matching identification and acquiring the data element;

the execution module is used for executing card risk management;

the first generation module is used for generating dynamic signature data according to the data elements and the card data and generating an application ciphertext according to the tags in the processing option data object list;

the second returning module is used for returning the dynamic signature data generated by the first generating module, the application cryptograph and the acquisition processing option response of the application file locator to the terminal, waiting for receiving data and triggering the first judging module;

the second judging module is used for judging whether the received read record instruction is the last read record operation instruction, if so, the third judging module is triggered, and if not, the searching and returning module is triggered;

the search returning module is used for searching a corresponding record according to the application file locator in the record reading instruction and returning the record to the terminal, modifying the value on the corresponding position in the reading identifier, waiting for receiving data and triggering the first judging module;

the third judging module is used for judging whether the transaction log needs to be recorded, if so, the recording module is triggered, and if not, the updating searching and returning reading module is triggered;

the recording module is used for recording transaction logs and triggering updating, searching and returning to the reading module;

the updating, searching and returning reading module is used for updating the offline consumption limit, searching a corresponding record according to the application file locator in the record reading instruction, returning the corresponding record and a successful response to the terminal, modifying the value on the corresponding position in the reading identifier, waiting for receiving data, and triggering the first judging module.

Further, the setting and acquiring module is specifically configured to determine the type of the transaction currency according to the acquisition processing option instruction, set a currency matching identifier if the transaction currency is a first currency, acquire a data element of the first currency, and trigger the executing module; if the currency is the second currency, setting a currency matching identifier, acquiring a data element of the second currency, and triggering the execution module; if the currency is not matched, the currency is set to be not matched, an error message is returned to the terminal, and the transaction is ended.

Further, the setting and acquiring module is specifically configured to determine that a value of a transaction currency code in the processing option instruction is acquired, and if the value of the transaction currency code is consistent with the value of the application currency code, the transaction currency is a first currency, and the executing module is triggered; if the value of the electronic cash application currency code is consistent with the value of the electronic cash application currency code of the second currency, the transaction currency is the second currency, and the execution module is triggered; if the currency is not matched with the other value, returning error information to the terminal, and ending the transaction.

Further, the execution module is specifically configured to determine whether a currency matching identifier is set, if so, determine whether the transaction amount is smaller than an offline transaction consumption amount, if so, replace the stored offline consumption amount with a value obtained by subtracting the current offline consumption amount from the stored offline consumption amount, otherwise, return an error message to the terminal, and terminate the transaction; otherwise, returning error information to the terminal, and ending the transaction.

Further, the second judging module is specifically configured to judge whether the value of the application reading identifier is a second set value, if so, the received read record instruction is a last read record operation instruction, and trigger the third judging module, otherwise, the received read record instruction is not the last read record operation instruction, and trigger the search return module; the initial value of each bit in the reading identification is a first set value.

Further, the updating, searching, and returning to the value on the corresponding bit in the modified read identifier in the read module specifically includes: and setting the value at the corresponding position in the reading identification as a second set value.

Further, the third determining module is specifically configured to determine whether a fifth bit of the second byte data of the card attribute in the read recording instruction is a first set value, if so, a transaction log needs to be recorded, and the recording module is triggered, otherwise, the transaction log does not need to be recorded, and the update, search, and return to the reading module is triggered.

Further, the updating, searching and returning the updated offline consumption limit in the reading module specifically comprises: and the card replaces the stored offline consumption limit with the value obtained by subtracting the current offline consumption amount from the stored offline consumption limit.

Further, the card in the update search return reading module searches for a corresponding record according to an application file locator in a record reading instruction, including: and the card acquires an end file identifier of the file according to the upper five bits of the fourth byte in the reading and recording instruction, acquires a recording number according to the third byte of the reading and recording instruction, and reads the recording content corresponding to the recording number in the file corresponding to the end file identifier.

Compared with the prior art, the invention has the following advantages:

the credit card of the technical scheme of the invention can automatically recover and update the amount in the contact online transaction process, and can also send the card issuing bank script to the card again through the terminal, so that the credit card has good compatibility and convenient use.

Drawings

FIG. 1 is a flowchart of a method for recovering an offline credit line of a credit card according to an embodiment of the present invention;

FIG. 2 is a flowchart of a method for off-line double-currency non-credit-receiving micropayment according to a second embodiment of the present invention;

FIG. 3 is a flowchart illustrating a method for recovering an offline credit line of a dual-currency credit card according to a third embodiment of the present invention;

fig. 4 is a block diagram of an apparatus for recovering offline credit limit using a credit card according to a fourth embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

Example one

The embodiment of the invention provides a method for recovering an offline consumption limit by a credit card, which is characterized in that when the card receives a data fetching command sent by a terminal in an online transaction process, the offline consumption limit is sent to a bank background server through the terminal;

when the card is finished in the online transaction, the card recovers the offline consumption amount; as shown in fig. 1, the method of the first embodiment includes:

the card offline consumption line recovery method specifically comprises the following steps:

step S1: the card judges whether the off-line consumption amount recovery mode is a reset mode, if so, the step S2 is executed, otherwise, the step S5 is executed;

in this embodiment, step S1 specifically includes: the card judges whether the second bit of the second byte of the default behavior is a first preset value, if so, the off-line consumption amount is recovered to be a reset mode, and the step S2 is executed, otherwise, the step S5 is executed;

step S2: the card restores the offline consumption limit to the offline consumption limit upper limit, and step S3 is executed;

preferably, in this embodiment, the credit card can support two currencies, and step S2 includes:

step S2-1: the card determines the type of the transaction currency, if the card is the first currency, then step S2-2 is executed, if the card is the second currency, then step S2-3 is executed, and if the card is the other currency, then step S3 is executed;

optionally, step S2-1 includes: the card determines the type of the transaction currency code temporarily stored, if the transaction currency is the first currency electronic cash application currency code, the transaction currency is the first currency, and step S2-2 is executed; if the currency code is applied to the electronic cash of the second currency, the transaction currency is the second currency, and step S2-3 is executed; if not, executing step S3;

step S2-3: the card restores the second currency off-line consumption amount to the upper limit of the second currency off-line consumption amount, and step S3 is executed;

step S4: the card judges whether to recover the offline consumption limit operation according to the received script updating instruction, if so, error information is returned to the terminal, the transaction is ended, otherwise, data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

optionally, in this embodiment, step S4 includes: the card judges whether the third byte data and the fourth byte data in the received script updating instruction are first preset data, if so, error information is returned to the terminal, the transaction is ended, otherwise, data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

step S6: the card judges whether the current transaction is a credit transaction, if so, the upper limit of the offline consumption amount is modified, the offline consumption amount is updated by using the modified upper limit of the offline consumption amount, the transaction is ended, otherwise, the data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

in this embodiment, if the credit card supports two currencies, step S6 includes:

step S6-1: the card judges the type of the received script updating instruction, if the received script updating instruction is to update a first currency instruction, the step S6-2 is executed, if the received script updating instruction is to update a second currency instruction, the step S6-3 is executed, if the received script updating instruction is not to update the second currency instruction, data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

specifically, in this embodiment, step S6-1 includes: the card judges that the third byte data and the fourth byte data in the script updating instruction are received, if the third byte data and the fourth byte data are the second preset data, the received script updating instruction is the first currency updating instruction, the step S6-2 is executed, if the third byte data and the fourth byte data are the third preset data, the received script updating instruction is the second currency updating instruction, the step S6-3 is executed, if the third byte data and the fourth byte data are the second preset data, data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

step S6-3: the card judges whether the current transaction is a credit transaction, if so, the upper limit of the second currency off-line consumption amount is modified, the modified upper limit of the second currency off-line consumption amount is used for updating the second currency off-line consumption amount, the transaction is ended, otherwise, the data assignment operation is executed according to the received script updating instruction, and the transaction is ended;

in this embodiment, the card determining whether the current transaction is a credit transaction includes: and the card judges whether the fifth bit of the first byte of the card value-added function indicator is a first preset value or not, if so, the current transaction is a credit transaction, and otherwise, the current transaction is not the credit transaction.

Optionally, the method of the first embodiment may further include an offline non-credit receipt micropayment method, including:

step B1: the card writes the value of the default behavior and the value of the card value-added function indicator in the data storage instruction into the card, and returns a data storage success response to the terminal; waiting for the data to be received, and returning to the step B0;

step B2: the card returns a selection application response including a processing option data object list to the terminal, waits for data to be received, and returns to the step B0;

step B3: the card sets a currency matching identifier and acquires a data element;

step B5: the card returns the acquisition processing option response containing the dynamic signature data, the application cryptograph and the application file locator to the terminal, waits for receiving data, and returns to the step B0;

step B7: the card searches for the corresponding record according to the application file locator in the record reading instruction and returns the record to the terminal, modifies the value on the corresponding position in the reading identification, waits for receiving data, and returns to the step B0;

Example two

The second embodiment of the present invention provides an offline double-coin non-credit-receiving micropayment method, as shown in fig. 2, including:

step 100: when the card receives an instruction sent by a terminal in an offline state, judging the type of the instruction, if the instruction is a data storage instruction, executing the step 101, if the instruction is an application selection instruction, executing the step 102, if the instruction is an acquisition processing option instruction, executing the step 103, and if the instruction is a reading recording instruction, executing the step 111;

optionally, in this embodiment, the acquisition processing option instruction includes a value of a data element specified by a PDOL (processing option data object list), including a transaction amount and a transaction currency code;

for example, the data storage instruction in this embodiment is: 0E28017590E01569F6310112233445566778800000000000000009F520282429F5601809F570201569F7602000057136228000100001117D3012201012345123999915F200F46554C4C2046554E4354494F4E414C9F360200005F 340101;

selecting the application command as follows: 00A4040007A 0000003330101;

the acquiring processing option instruction is as follows: 80A80000238321260000800000000010000000000000000156000000000001561807120026C255D 9; the transaction amount is: 000000001000, respectively; the transaction currency code is: 0156;

the read record instruction is: 00B 2011400;

step 101: writing the value of the default behavior and the value of the card value-added function indicator in the data storage instruction into the card, and returning a data storage success response to the terminal; waiting for receiving data, and returning to the step 100;

in this embodiment, if the second bit of the second byte of the value applying the default behavior is 1, the offline consumption amount is restored in the reset mode, and if the second bit of the second byte of the value applying the default behavior is 0, the offline consumption amount is restored in the script mode;

for example, the value of the application default behavior in the present embodiment is 8242; the value of the card value-added function indicator is 10; a successful response is 9000;

step 102: returning a selective application response including the PDOL to the terminal, waiting for receiving data, and returning to the step 100;

for example, the response of selecting an application in this embodiment is: 6F688407A0000003330101A55D500B50424F43204372656469748701019F38189F66049F02069F03069F1A0295055F2A029A039C019F37045F2D087A68656E667264659F1101019F120F4341524420494D4147452030303333BF0C0E9F4D020B0ADF4D020C0ADF 610110; PDOL (i.e. value of 9f 38) is: 9F66049F02069F03069F1a0295055F2a029a039C019F 3704;

step 103: judging whether the transaction currency is a first currency or not according to the acquisition processing option instruction, if so, executing a step 104, and otherwise, executing a step 105;

specifically, in this embodiment, step 103 includes: judging whether the value of the transaction currency code (5F2A) in the acquisition processing option instruction is consistent with the value of the application currency code (9F51), if so, the transaction currency code is the first currency, otherwise, the transaction currency code is not the first currency;

for example, the transaction currency code (5F2A) has a value of 0156, and the application currency code (9F51) has a value of 0156; if yes, go to step 104;

step 104: setting a currency matching identifier, acquiring a first currency data element, and executing step 107;

in this embodiment, the first currency data element includes: applying a currency code, an electronic cash balance upper limit, an electronic cash issuer authorization code, an electronic cash single-transaction limit, an electronic cash reset threshold value, and a card CVM limit;

step 105: judging whether the transaction currency is the second currency or not according to the acquisition processing option instruction, if so, executing step 106, otherwise, setting the currency not to be matched, and ending the transaction;

specifically, in this embodiment, step 105 includes: judging whether the value of the transaction currency code (5F2A) in the acquisition processing option instruction is consistent with the value of the electronic cash application currency code (DF71) of the second currency, if so, the transaction currency code is the second currency, otherwise, the transaction currency code is not the second currency;

for example, the value of the transaction code in this embodiment is 0156, and the value of the second currency electronic cash application currency code is 0344; if the two are not equal, the currency is set to be not matched, and the transaction is ended;

step 106: setting a currency matching identifier, acquiring a second currency data element, and executing step 107;

in this embodiment, the second currency data elements include: applying a currency code to the electronic cash of the second currency, the balance of the electronic cash of the second currency, the upper limit of the balance of the electronic cash of the second currency, the single-stroke transaction limit of the electronic cash of the second currency, the reset threshold of the electronic cash of the second currency and the CVM limit of a card of the second currency;

in this embodiment, if the credit card only supports one currency, step 103 and step 106 are replaced with: the card sets a currency matching identifier and acquires a data element;

step 107: performing card risk management;

in this embodiment, the process of performing card risk management may include: judging whether a currency matching identifier is set or not, if so, judging whether the transaction amount is smaller than the offline transaction consumption amount or not, if so, replacing the stored offline consumption amount by the value obtained by subtracting the offline consumption amount from the stored offline consumption amount, if not, returning error information to the terminal, ending the transaction, otherwise, returning error information to the terminal, and ending the transaction;

step 108: generating dynamic signature data according to the data elements and the card data;

for example, the data elements in the present embodiment include: unpredictable number value 26C255D9, transaction amount value 000000001000, transaction currency code value 0156; the card data comprises a value of an application transaction counter of 0001 and a value of card authentication related data of 01B8BF 2395300010; the generated dynamic signature data is: 5139163F4D4ABCB4DF12B149F8234974692A364F9254AA6C679B53962FEB33B3AB6BF5A12E265940514F8A6954CF91BF2A11622E02811FB0105C2D0B1E51044B98348C61887740A03A65CF43C06FD46A8C04BFAD5F2FF9A9C2081B1880E17753F968802A91413CDC864AAEC055F8B399E0ADB0DC7D6B262D98612A69009612 AD;

step 109: generating an application ciphertext according to the label in the PDOL;

for example, the tags in the PDOL are: 0000000010000000000000000156000000000001561807120026C255D 97000000103900000; the generated application ciphertext is 85C1165F85A247D 0;

step 110: returning an acquisition processing option response containing the dynamic signature data, the application cryptograph and the application file locator to the terminal, waiting for receiving data, and returning to the step 100;

for example, the application locator is 10010501; the get processing options response is: 7781DF820270009404100105019F360200019F260885C1165F85A247D09F2701409F101307010103900000010A01000001400021B8F83657136228000100001117D3012201012345123999915F3401019F4B81805139163F4D4ABCB4DF12B149F8234974692A364F9254AA6C679B53962FEB33B3AB6BF5A12E265940514F8A6954CF91BF2A11622E02811FB0105C2D0B1E51044B98348C61887740A03A65CF43C06FD46A8C04BFAD5F 2A 9C2081B1880E17753F968802A91413CDC AAEC055F8B399E0ADB0DC7D6B262D98612A69009612 FF 0230009F 6C0230009F5D 0600000;

in this embodiment, the terminal receives the response of the acquisition processing option, analyzes the response to obtain a dynamic signature and an application ciphertext, respectively verifies the dynamic signature and the application ciphertext, and continues to send a record reading instruction to the card if both the dynamic signature and the application ciphertext pass the verification;

step 111: judging whether the received read record instruction is the last read record operation instruction, if so, executing the step 113, otherwise, executing the step 112;

specifically, in this embodiment, the card determines whether the value of the application reading identifier is the second set value, if so, the received reading and recording instruction is the last reading and recording operation instruction, otherwise, the received reading and recording instruction is not the last reading and recording operation instruction; the initial value of each bit in the reading identification is a first set value; for example, the first set value is 1, and the second set value is 0;

step 112: searching a corresponding record according to an application file locator in the record reading instruction, returning the record to the terminal, and modifying the value on the corresponding position in the reading identifier; waiting for receiving data, and returning to the step 100;

specifically, in this embodiment, searching for a corresponding record according to the application file locator in the record reading instruction includes: acquiring an end file identifier of the file according to the upper five bits of a fourth byte (namely p2) in the reading recording instruction, acquiring a recording number according to a third byte (namely p1) in the reading recording instruction, and reading the recording content corresponding to the recording number in a file corresponding to the end file identifier;

modifying the value at the corresponding bit in the read flag to be: setting the value on the corresponding position in the reading identification as a second set value;

for example, the corresponding records found in this embodiment are: 701B5a0862280001000011175F24033012315F25039507019F 08020030;

step 113: judging whether a transaction log needs to be recorded, if so, executing a step 114, otherwise, executing a step 115;

specifically, in this embodiment, step 113 includes: judging whether the fifth bit of the second byte data of the card attribute in the reading and recording instruction is a first set value, if so, recording a transaction log, otherwise, not recording the transaction log;

step 114: recording a transaction log, updating an offline consumption limit, searching a corresponding record according to an application file locator in a record reading instruction, returning the corresponding record and a successful response to the terminal, and modifying a value on a corresponding position in a reading identifier; waiting for receiving data, and returning to the step 100;

for example, a read record success response is 9000, corresponding records are 70149F74064543433131319F690801B8BF 2395300010;

step 115: and updating the offline consumption limit, searching for a corresponding record according to the application file locator in the record reading instruction, returning the corresponding record and a successful response to the terminal, modifying the value on the corresponding position in the reading identifier, waiting for receiving data, and returning to the step 100.

In this embodiment, the updating of the offline consumption amount specifically includes: and replacing the stored offline consumption amount with the value obtained by subtracting the current offline consumption amount from the stored offline consumption amount.

EXAMPLE III

The third embodiment of the present invention provides a method for recovering an offline consumption amount by using a credit card with two currencies, wherein the credit card in the third embodiment supports two currencies, and before recovering the offline consumption amount, the credit card further comprises: establishing connection between the card, the terminal and a bank background server;

when the card receives an acquisition processing option command sent by the terminal, temporarily storing transaction currency in the acquisition processing option command;

when the card receives a data fetching command sent by the terminal in the online transaction process, sending the offline consumption limit to the terminal;

when the card receives an application ciphertext instruction sent by a terminal in the online transaction process, the card generates an application ciphertext and returns the application ciphertext to the terminal, the terminal sends the application ciphertext and the offline consumption limit to a bank background server for verification, if the bank background server successfully verifies the application ciphertext, the stored offline consumption limit is updated by using the received offline consumption limit, the consumption amount is obtained by subtracting the offline consumption limit from the stored offline consumption limit upper limit, a new main account balance is obtained by subtracting the consumption amount from the main account balance, the stored offline consumption limit is updated by using the offline consumption limit upper limit, and success information is returned to the terminal; the terminal sends a second application ciphertext generating instruction to the card, and the card recovers the offline consumption limit after receiving the second application ciphertext generating instruction;

as shown in fig. 3, the method of the present embodiment includes:

step A1: judging whether the off-line consumption amount recovering mode is a resetting mode, if so, executing the step A2, otherwise, executing the step A8;

optionally, in this embodiment, step a1 specifically includes: judging whether the second bit of the second byte of the application default behavior (9F52) is a first preset value or not, if so, updating the quota in a reset mode, and executing the step A2, otherwise, executing the step A8; for example, the first predetermined value is 1;

step A2: judging whether the transaction currency is the first currency, if so, executing the step A3, otherwise, executing the step A4;

optionally, step a2 of this embodiment includes: judging whether the temporarily stored transaction currency is the electronic cash application currency code of the first currency or not, if so, executing the step A3, otherwise, executing the step A4; specifically, the application currency code is 9F 51;

step A3: restoring the first currency off-line consumption amount to the first currency off-line consumption amount upper limit, assigning the restored first currency off-line consumption amount to the card issuer application data, and executing the step A6;

specifically, in this embodiment, step a3 includes: modifying the value of Tag9F79 to the value of Tag9F77, modifying the value of Tag9F 10 with the value of Tag9F 79;

step A4: judging whether the transaction currency is the second currency, if so, executing the step A5, otherwise, executing the step A6;

optionally, step a4 of this embodiment includes: judging whether the temporarily stored transaction currency is the electronic cash application currency code of the second currency or not, if so, executing the step A6, otherwise, executing the step A5; specifically, the application currency code is DF 71;

step A5: restoring the second currency off-line consumption amount to the upper limit of the second currency off-line consumption amount, and executing the step A6;

specifically, in this embodiment, step a3 includes: modifying the value of Tag DF79 to the value of Tag DF 77;

step A6: judging whether a script updating instruction is received, if so, executing the step A7, otherwise, returning error information to the terminal, and ending the transaction;

in this embodiment, the script update command is a PUT DATA command, and step a6 specifically includes: judging whether the first byte data and the second byte data of the received instruction are 04DA, if so, the received instruction is a script updating instruction, otherwise, the received instruction is not the script updating instruction; for example, the script update instruction in this embodiment is: 04DA9F790a0000001000008729597E, wherein the label of the specific modified object is determined by the third byte data and the fourth byte data in the instruction;

step A7: judging whether to recover the offline consumption limit operation according to the received script updating instruction, if so, returning error information to the terminal, and ending the transaction, otherwise, executing data assignment operation according to the received script updating instruction, and ending the transaction;

specifically, in this embodiment, step A8 includes: judging whether the third byte data and the fourth byte data in the received script updating instruction are 9F79 or DF79, if so, returning to 6985, ending the transaction, otherwise, executing data assignment operation according to the received script updating instruction, and ending the transaction;

step A8: judging whether a script updating instruction is received, if so, executing the step A9, otherwise, returning error information to the terminal, and ending the transaction;

step A9: judging whether the received script updating command is a command for updating the first currency, if so, executing the step A10, otherwise, executing the step A11;

specifically, in this embodiment, step a9 includes: judging whether the third and fourth byte data in the received script updating instruction is 9F77, if so, the received script updating instruction is the first currency updating instruction, otherwise, the received script updating instruction is not the first currency updating instruction;

step A10: judging whether the current transaction is a credit transaction, if so, modifying the upper limit of the first currency off-line consumption amount, updating the first currency off-line consumption amount by using the modified upper limit of the first currency off-line consumption amount, and ending the transaction, otherwise, executing data assignment operation according to the received script updating instruction, and ending the transaction;

optionally, in this embodiment, the determining whether the current transaction is a credit transaction includes: judging whether the fifth bit of the first byte of the card value-added function indicator is 1, if so, the current transaction is a credit transaction, otherwise, the current transaction is not a credit transaction;

step A11: judging whether the received script updating instruction is an instruction for updating the second currency, if so, executing the step A12, otherwise, executing data assignment operation according to the received script updating instruction, and ending the transaction;

specifically, in this embodiment, step a11 includes: judging whether the data of the third byte and the fourth byte in the received script updating instruction is DF77, if so, the received script updating instruction is the instruction for updating the second currency, otherwise, the received script updating instruction is not the instruction for updating the second currency;

step A12: judging whether the current transaction is a credit transaction, if so, modifying the upper limit of the second currency off-line consumption amount, updating the second currency off-line consumption amount by using the modified upper limit of the second currency off-line consumption amount, and ending the transaction, otherwise, executing data assignment operation according to the received script updating instruction, and ending the transaction;

optionally, in this embodiment, determining whether the current transaction is a credit transaction specifically includes: judging whether the fifth bit of the first byte of the card value-added function indicator is a first preset value or not, if so, judging that the current transaction is a credit transaction, otherwise, judging that the current transaction is not a credit transaction;

in this embodiment, after step 207, the terminal reads the offline consumption amount and the offline consumption amount upper limit from the card, determines whether the offline consumption amount is consistent with the offline consumption amount upper limit, if so, the amount is updated successfully, otherwise, the amount is updated unsuccessfully, and returns an error message to the terminal.

The credit card in the embodiment of the invention supports two currency transactions, can automatically recover and update the amount in the contact type online transaction process, and can also send the card issuing bank script to the card again through the terminal, so the credit card has good compatibility and convenient use.

Example four

A fourth embodiment of the present invention provides an apparatus for recovering offline consumption amount by using a credit card, as shown in fig. 4, including:

the first sending module 40 is used for sending the offline consumption limit to the bank background server through the terminal when the card receives a data fetching command sent by the terminal in the online transaction process;

the credit recovery module 41 is used for recovering the offline consumption credit after the card finishes the online transaction;

the credit recovery module 41 specifically includes:

the first judgment sub-module 410 is used for judging whether the way of recovering the offline consumption amount is a reset way, if so, the first recovery sub-module 411 is triggered, otherwise, the fourth judgment sub-module 415 is triggered;

in this embodiment, the first determining sub-module 410 is specifically configured to determine whether a second bit of the second byte applying the default behavior is a first predetermined value, if so, trigger the first recovering sub-module 411, otherwise, trigger the fourth determining sub-module 415;

the first recovery sub-module 411 is used for recovering the offline consumption amount to the offline consumption amount upper limit;

the second judging submodule 412 is configured to judge whether a script updating instruction is received after the first restoring submodule 411 restores the offline consumption line to the offline consumption line upper limit, if yes, trigger the third judging submodule 413, and otherwise trigger the returning submodule 417;

a third judging submodule 413, configured to judge whether to perform an offline consumption line restoration operation according to the received script update instruction, if yes, trigger the return submodule 417, and if not, trigger the assignment submodule 414;

in this embodiment, the third determining submodule 413 is specifically configured to determine whether the third byte data and the fourth byte data in the received script update instruction are the first preset data, if so, trigger the returning submodule 417, otherwise, trigger the assigning submodule 414;

the assignment submodule 414 is used for executing data assignment operation according to the received script updating instruction and ending the transaction;

a fourth judging submodule 415, configured to judge whether a script updating instruction is received, if yes, trigger the fifth judging submodule 416, and otherwise trigger the return submodule 417;

a fifth judging submodule 416, configured to judge whether the current transaction is a credit transaction, modify the offline consumption credit line upper limit if the current transaction is a credit transaction, update the offline consumption credit line with the modified offline consumption credit line upper limit, and end the transaction, otherwise, trigger the assignment submodule 414;

and a return sub-module 417, configured to return an error message to the terminal, so that the transaction is ended.

Alternatively, if the credit card in this embodiment supports two currencies, the first recovery sub-module 411 includes:

a first determining unit, configured to determine a type of the transaction currency, trigger the first recovering unit if the transaction currency is the first currency, trigger the second recovering unit if the transaction currency is the second currency, and trigger the second determining sub-module 412 if the transaction currency is the other currency;

in this embodiment, the first determining unit is specifically configured to determine a type of the transaction currency code that is temporarily stored, and trigger the first restoring unit if the transaction currency is the first currency if the currency code is applied to the electronic cash of the first currency; if the currency code is applied to the electronic cash of the second currency, the transaction currency is the second currency, and a second recovery unit is triggered; if the number is other, the second judgment sub-module 412 is triggered;

the first recovery unit is used for recovering the first currency offline consumption limit to the upper limit of the first currency offline consumption limit, assigning the recovered first currency offline consumption limit to the card issuing bank application data, and triggering the second judgment sub-module 412;

the second restoring unit is configured to restore the offline consumption amount of the second currency to the upper limit of the offline consumption amount of the second currency, and trigger the second determining sub-module 412.

Accordingly, the fifth judgment sub-module 416 includes:

the second judgment unit is used for judging the type of the received script updating instruction, if the received script updating instruction is used for updating the first currency instruction, the third judgment unit is triggered, if the received script updating instruction is used for updating the second currency instruction, the fourth judgment unit is triggered, and if the received script updating instruction is used for updating the second currency instruction, the assignment submodule 414 is triggered;

in this embodiment, the second determining unit is specifically configured to determine that the third and fourth byte data in the received script update instruction are received, if the received script update instruction is the first currency update instruction if the received script update instruction is the second preset data, trigger the third determining unit, if the received script update instruction is the second currency update instruction if the received script update instruction is the third preset data, trigger the fourth determining unit, and if the received script update instruction is the other data, trigger the assignment submodule 414;

a third judging unit, configured to judge whether the current transaction is a credit transaction, if so, trigger the first modifying unit, and otherwise trigger the assignment sub-module 414;

in this embodiment, the third determining unit is specifically configured to determine whether a fifth bit of the first byte of the card value-added function indicator is a first predetermined value, if so, the current transaction is a credit transaction, and the first modifying unit is triggered, otherwise, the current transaction is not a credit transaction, and the assignment sub-module 414 is triggered;

a fourth judging unit, configured to judge whether the current transaction is a credit transaction, if so, trigger the second modifying unit, and otherwise trigger the assignment sub-module 414;

and the second modification unit is used for modifying the upper limit of the off-line consumption amount of the second currency, updating the off-line consumption amount of the second currency by using the modified upper limit of the off-line consumption amount of the second currency, and ending the transaction.

Preferably, the apparatus in this embodiment further includes:

the write-in return module is used for writing the value of the application default behavior and the value of the card value-added function indicator in the data storage instruction into the card and returning a data storage success response to the terminal; waiting for receiving data, and triggering a first judgment module;

the setting and obtaining module is used for setting the currency matching identification and obtaining the data element;

optionally, if the credit card of the apparatus of this embodiment supports dual currencies, the setting and obtaining module is specifically configured to determine the type of the transaction currency according to the instruction for obtaining the processing option, and if the transaction currency is a first currency, set a currency matching identifier, and obtain a data element of the first currency, and trigger the executing module; if the currency is the second currency, setting a currency matching identifier, acquiring a data element of the second currency, and triggering an execution module; if the currency is not matched, the currency is set to be unmatched, error information is returned to the terminal, and the transaction is ended;

furthermore, the acquisition module is specifically configured to determine that the value of the transaction currency code in the processing option instruction is acquired, and if the value of the transaction currency code is consistent with the value of the application currency code, the transaction currency is the first currency, and the execution module is triggered; if the value of the electronic cash application currency code is consistent with the value of the electronic cash application currency code of the second currency, the transaction currency is the second currency, and the execution module is triggered; if the value is other value, the currency is set to be not matched, error information is returned to the terminal, and the transaction is ended;

the execution module is used for executing card risk management;

specifically, in this embodiment, the execution module is specifically configured to determine whether a currency matching identifier is set, if so, determine whether the transaction amount is smaller than the offline transaction consumption amount, if so, replace the stored offline consumption amount with a value obtained by subtracting the current offline consumption amount from the stored offline consumption amount, otherwise, return an error message to the terminal, and terminate the transaction; otherwise, returning error information to the terminal, and ending the transaction;

the second returning module is used for returning the dynamic signature data and the application cryptograph generated by the first generating module and the acquisition processing option response of the application file locator to the terminal, waiting for receiving the data and triggering the first judging module;

the second judgment module is used for judging whether the received read record instruction is the last read record operation instruction, if so, the third judgment module is triggered, and if not, the search return module is triggered;

specifically, in this embodiment, the second judging module is specifically configured to judge whether the value of the application reading identifier is a second set value, if so, the received read record instruction is the last read record operation instruction, and trigger the third judging module, otherwise, the received read record instruction is not the last read record operation instruction, and trigger the search return module; the initial value of each bit in the reading identification is a first set value;

the searching and returning module is used for searching a corresponding record according to the application file locator in the record reading instruction and returning the record to the terminal, modifying the value on the corresponding position in the reading identifier, waiting for receiving data and triggering the first judging module;

the third judgment module is used for judging whether the transaction log needs to be recorded, if so, the recording module is triggered, and if not, the updating searching and returning reading module is triggered;

in this embodiment, the third determining module is specifically configured to determine whether a fifth bit of the second byte data of the card attribute in the read recording instruction is a first set value, if so, a transaction log needs to be recorded, and the recording module is triggered, otherwise, the transaction log does not need to be recorded, and the update, search, and return to the reading module is triggered;

the recording module is used for recording the transaction log and triggering the updating, searching and returning to the reading module;

and the updating, searching, returning and reading module is used for updating the offline consumption limit, searching a corresponding record according to the application file locator in the record reading instruction, returning the corresponding record and a successful response to the terminal, modifying the value on the corresponding position in the reading identifier, waiting for receiving data and triggering the first judgment module.

Further, updating, searching and returning the value on the corresponding bit in the modified read identifier in the read module specifically includes: and setting the value at the corresponding position in the reading identification as a second set value.

Further, the updating, searching and returning the updated offline consumption limit in the reading module specifically comprises: the card replaces the stored offline consumption limit with the value obtained by subtracting the current offline consumption amount from the stored offline consumption limit.

Further, the updating, searching and returning the card in the reading module to search the corresponding record according to the application file locator in the record reading instruction includes: and the card acquires an end file identifier of the file according to the upper five bits of the fourth byte in the record reading instruction, acquires a record number according to the third byte of the record reading instruction, and reads record content corresponding to the record number in the file corresponding to the end file identifier.

The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A method for a credit card to recover an offline spending limit, comprising:

2. The method of claim 1, wherein the step S2 includes:

3. The method of claim 2, wherein the step S6 includes:

4. The method according to claim 1, wherein the step S1 is specifically: and the card judges whether the second bit of the second byte of the default behavior is a first preset value or not, if so, the off-line consumption amount recovery mode is a reset mode, and the step S2 is executed, otherwise, the step S5 is executed.

5. The method of claim 2, wherein the step S2-1 includes: the card judges the type of the transaction currency code temporarily stored, if the transaction currency is the first currency electronic cash application currency code, the transaction currency is the first currency, and step S2-2 is executed; if the currency code is applied to the electronic cash of the second currency, the transaction currency is the second currency, and step S2-3 is executed; if not, the step S3 is executed.

6. The method of claim 1, wherein the step S4 includes: and the card judges whether the third byte data and the fourth byte data in the received script updating instruction are first preset data, if so, error information is returned to the terminal, the transaction is ended, otherwise, data assignment operation is executed according to the received script updating instruction, and the transaction is ended.

7. The method of claim 3, wherein the step S6-1 includes: and the card judges that the third byte data and the fourth byte data in the script updating instruction are received, if the third byte data and the fourth byte data are the second preset data, the received script updating instruction is the first currency updating instruction, the step S6-2 is executed, if the third byte data and the fourth byte data are the second preset data, the received script updating instruction is the second currency updating instruction, the step S6-3 is executed, if the third byte data and the fourth byte data are other data, data assignment operation is executed according to the received script updating instruction, and the transaction is ended.

8. The method of claim 3, wherein the card determining whether the current transaction is a credit transaction comprises: and the card judges whether the fifth bit of the first byte of the card value-added function indicator is a first preset value, if so, the current transaction is a credit transaction, and otherwise, the current transaction is not the credit transaction.

9. The method of claim 3, further comprising:

10. The method of claim 9, wherein said step B3 includes: the card judges the type of the transaction currency according to the acquisition processing option instruction, if the transaction currency is the first currency, a currency matching identifier is set, a data element of the first currency is acquired, and step B4 is executed; if the currency matching identification is set for the second currency, acquiring a data element of the second currency, and executing the step B4; and if the currency is not matched, setting the currency to be not matched and ending.

11. The method of claim 10, wherein the card determining the type of currency of the transaction based on the acquire processing option instructions comprises: the card judges and acquires the value of the transaction currency code in the processing option instruction, and if the value of the transaction currency code is consistent with the value of the application currency code, the transaction currency is the first currency; if the value of the electronic cash application currency code of the second currency is consistent with the value of the electronic cash application currency code of the second currency, the transaction currency is the second currency; if the currency is not matched with the other value, returning error information to the terminal, and ending the transaction.

12. The method of claim 9, wherein the card performing card risk management comprises: the card judges whether a currency matching identifier is set, if so, judges whether the transaction amount is smaller than the offline transaction consumption amount, if so, replaces the stored offline consumption amount by the value obtained by subtracting the current offline consumption amount from the stored offline consumption amount, and if not, returns error information to the terminal, and the transaction is ended; otherwise, returning error information to the terminal, and ending the transaction.

13. The method according to claim 9, wherein the step B6 is specifically: the card judges whether the value of the application reading identifier is a second set value, if so, the received reading and recording instruction is the last reading and recording operation instruction, otherwise, the received reading and recording instruction is not the last reading and recording operation instruction; the initial value of each bit in the reading identification is a first set value.

14. The method of claim 13, wherein the modifying the value at the corresponding bit in the read flag is specifically: and the card sets the value on the corresponding position in the reading mark as a second set value.

15. The method of claim 9, wherein the card determining whether a transaction log needs to be recorded comprises: and judging whether the fifth bit of the second byte data of the card attribute in the reading and recording instruction is a first set value, if so, recording a transaction log, otherwise, not recording the transaction log.

16. The method of claim 9, wherein the updating of the offline spending limit specifically comprises: and the card replaces the stored offline consumption limit with the value obtained by subtracting the current offline consumption amount from the stored offline consumption limit.

17. The method of claim 9, wherein the card locating a corresponding record according to an application file locator in a record reading instruction comprises: and the card acquires an end file identifier of the file according to the upper five bits of the fourth byte in the reading and recording instruction, acquires a recording number according to the third byte of the reading and recording instruction, and reads the recording content corresponding to the recording number in the file corresponding to the end file identifier.

18. An apparatus for crediting a card to recover an off-line credit value unit, comprising:

the limit recovery module specifically comprises:

19. The apparatus of claim 18, wherein the first recovery submodule comprises:

20. The apparatus of claim 19, wherein the fifth determination sub-module comprises:

21. The apparatus of claim 18, wherein the first determining submodule is further configured to determine whether a second bit of the second byte to which the default behavior is applied is a first predetermined value, if so, trigger the first recovery submodule, and otherwise, trigger the fourth determining submodule.

22. The apparatus according to claim 19, wherein the first determining unit is specifically configured to determine a type of the transaction currency code temporarily stored, and if the currency code is applied to the electronic cash of the first currency, the transaction currency is the first currency, and the first restoring unit is triggered; if the currency code is applied to the electronic cash of the second currency, the transaction currency is the second currency, and a second recovery unit is triggered; and if the number of the sub-modules is other, triggering the second judgment sub-module.

23. The apparatus according to claim 18, wherein the third determining submodule is specifically configured to determine whether the third byte data and the fourth byte data in the received script update instruction are the first preset data, if so, trigger the return submodule, and otherwise trigger the assignment submodule.

24. The apparatus according to claim 20, wherein the second determining unit is specifically configured to determine that data of third and fourth bytes in the script update command are received, if the received script update command is the first currency update command for the second preset data, trigger the third determining unit, if the received script update command is the second currency update command for the third preset data, trigger the fourth determining unit, and if the received script update command is the other, trigger the assignment submodule.

25. The apparatus according to claim 20, wherein the third determining unit is specifically configured to determine whether a fifth bit of the first byte of the card value-added function indicator is a first predetermined value, if so, the current transaction is a credit transaction, and trigger the first modifying unit, otherwise, the current transaction is not a credit transaction, and trigger the assignment submodule.

26. The apparatus of claim 20, further comprising:

the execution module is used for executing card risk management;

27. The apparatus of claim 26, wherein the setting and obtaining module is specifically configured to determine a type of the transaction currency according to the obtaining processing option command, set a currency matching identifier for the first currency, obtain a data element of the first currency, and trigger the executing module; if the currency is the second currency, setting a currency matching identifier, acquiring a data element of the second currency, and triggering the execution module; if the currency is not matched, the currency is set to be not matched, an error message is returned to the terminal, and the transaction is ended.

28. The apparatus according to claim 27, wherein the setting acquisition module is specifically configured to determine to acquire a value of a transaction currency code in the processing option instruction, and if the value of the transaction currency code is consistent with the value of the application currency code, the transaction currency is a first currency, and the execution module is triggered; if the value of the electronic cash application currency code is consistent with the value of the electronic cash application currency code of the second currency, the transaction currency is the second currency, and the execution module is triggered; if the currency is not matched with the other value, returning error information to the terminal, and ending the transaction.

29. The apparatus of claim 26, wherein the execution module is specifically configured to determine whether a currency matching identifier is set, if so, determine whether the transaction amount is smaller than an offline transaction consumption amount, if so, replace the stored offline consumption amount with a value obtained by subtracting the current offline consumption amount from the stored offline consumption amount, otherwise, return an error message to the terminal, and terminate the transaction; otherwise, returning error information to the terminal, and ending the transaction.

30. The apparatus according to claim 26, wherein the second determining module is specifically configured to determine whether the value of the application read flag is a second set value, if so, the received read record instruction is a last read record operation instruction, and trigger the third determining module, otherwise, the received read record instruction is not the last read record operation instruction, and trigger the search returning module; the initial value of each bit in the reading identification is a first set value.

31. The apparatus of claim 30, wherein the updating lookup returns the value on the corresponding bit in the modified read flag in the read module, specifically: and setting the value at the corresponding position in the reading identification as a second set value.

32. The apparatus according to claim 26, wherein the third determining module is specifically configured to determine whether a fifth bit of the second byte data of the card attribute in the read record instruction is a first set value, if so, a transaction log needs to be recorded, and the recording module is triggered, otherwise, the update lookup is triggered to return to the read module without recording the transaction log.

33. The apparatus of claim 26, wherein the update lookup returns the updated offline spending limit in the reading module, specifically: and the card replaces the stored offline consumption limit with the value obtained by subtracting the current offline consumption amount from the stored offline consumption limit.

34. The apparatus of claim 26, wherein said updating the search return to read module searches for a corresponding record according to an application file locator in a record reading instruction, comprising: and the card acquires an end file identifier of the file according to the upper five bits of the fourth byte in the reading and recording instruction, acquires a recording number according to the third byte of the reading and recording instruction, and reads the recording content corresponding to the recording number in the file corresponding to the end file identifier.