CN111833046A - Digital electronic cash management method and device - Google Patents
Digital electronic cash management method and device Download PDFInfo
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- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
The invention provides a digital electronic cash management method and a device, wherein the method comprises the following steps: logging in a mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture, and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance; connecting a mobile terminal with a consumption terminal, verifying an electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end and uploading the transaction detail message to a digital electronic cash system; deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the subtracted electronic cash voucher and the off-line consumption transaction information to a digital electronic cash system; and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report.
Description
Technical Field
The invention relates to the technical field of bank transaction information processing, in particular to a digital electronic cash management method and device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
At present, an account of an electronic wallet is superposed on a bank chip card, electronic cash is pushed out by a bank for the convenience of a user without losing a password in small amount, and the electronic cash account can be selected to realize off-line consumption transaction without password small amount payment when the card is swiped.
However, due to uncertainty of interaction between the card and the terminal, card writing abnormality of the electronic cash card can be caused, the problem of account of the electronic cash account is caused, and offline consumption transactions are frequently sent in batches, so that the account entry delay is caused; with the development of mobile payment, people prefer no-card consumption, consumption based on mobile payment has great impact on off-line consumption based on electronic cash, electronic cash based on a physical card has great inconvenience, but at present, mobile payment depends on a real-time network, and once the network is not good, a user shows great discount.
For example, the current mobile payment of PAY category, such as apple PAY, samsung PAY, etc., has the following disadvantages that firstly, the real-time online transaction is adopted and needs network support; secondly, mobile payment requires password input for verification, which is inconvenient for small-amount transactions.
Therefore, how to provide a new solution, which can solve the above technical problems, is a technical problem to be solved in the art.
Disclosure of Invention
The embodiment of the invention provides a digital electronic cash management method, which realizes quick and password-free off-line consumption and comprises the following steps:
logging in a mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture, and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance;
connecting a mobile terminal with a consumption terminal, verifying an electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end, and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture;
deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture;
and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report.
An embodiment of the present invention further provides a digital electronic cash management device, including:
the electronic cash voucher acquisition module is used for logging in the mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance;
the off-line consumption module is used for connecting the mobile terminal with the consumption terminal, verifying the electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at the consumption end and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture;
the electronic cash deduction module is used for deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher with the balance of the electronic cash deducted and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture;
and the transaction report generation module is used for verifying and entering account of the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture to generate a transaction report.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the digital electronic cash management method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned digital electronic cash management method is stored in the computer-readable storage medium.
According to the digital electronic cash management method and device provided by the embodiment of the invention, the application is initiated to the digital electronic cash system based on the cloud architecture by logging in the mobile terminal, the electronic cash voucher is obtained, and the function of the electronic cash is written into the mobile terminal, so that the problem of carrying a bank entity chip card is solved, and the portability is improved; then connecting the mobile terminal with a consumption terminal, verifying the electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture; deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture; and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report. According to the invention, the electronic cash voucher is verified in a composite dynamic data authentication mode, the off-line consumption transaction is initiated after the verification is passed, a password does not need to be manually input, and the off-line consumption transaction does not need real-time network connection, so that the off-line consumption is rapidly carried out without secret, the dependence on a network is reduced, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a schematic diagram of a digital electronic cash management method according to an embodiment of the present invention.
FIG. 2 is a flow chart of a digital electronic cash management method according to an embodiment of the present invention.
Fig. 3 is a schematic diagram of an electronic cash deduction process of a digital electronic cash management method according to an embodiment of the present invention.
FIG. 4 is a schematic diagram of a computer device for executing a digital electronic cash management method according to an embodiment of the present invention.
FIG. 5 is a diagram of a digital electronic cash management device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a schematic diagram of a digital electronic cash management method according to an embodiment of the present invention, and as shown in fig. 1, an embodiment of the present invention provides a digital electronic cash management method for implementing fast and password-free offline consumption, where the method includes:
step 101: logging in a mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture, and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance;
step 102: connecting a mobile terminal with a consumption terminal, verifying an electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end, and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture;
step 103: deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture;
step 104: and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report.
According to the digital electronic cash management method provided by the embodiment of the invention, the application is initiated to the digital electronic cash system based on the cloud architecture by logging in the mobile terminal, the electronic cash voucher is obtained, and the function of the electronic cash is written into the mobile terminal, so that the problem of carrying a bank entity chip card is solved, and the portability is improved; then connecting the mobile terminal with a consumption terminal, verifying the electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture; deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture; and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report. According to the invention, the electronic cash voucher is verified in a composite dynamic data authentication mode, the off-line consumption transaction is initiated after the verification is passed, a password does not need to be manually input, and the off-line consumption transaction does not need real-time network connection, so that the off-line consumption is rapidly carried out without secret, the dependence on a network is reduced, and the user experience is improved.
Fig. 2 is a flow chart of a digital electronic cash management method according to an embodiment of the present invention, and as shown in fig. 2, when a digital electronic cash management method is implemented, the method may include:
logging in a mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture, and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance; connecting a mobile terminal with a consumption terminal, verifying an electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end, and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture; deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture; and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report.
Data Authentication in offline transactions includes one or more of Static Data Authentication (SDA), Dynamic Data Authentication (DDA), or composite Dynamic Data Authentication (CDA).
The Static Data Authentication (SDA) is mainly used to prevent illegal tampering with bank card data. I.e. to verify that the important application data on the bank card has not been fraudulently modified since personalization of the bank card. The mobile terminal uses the issuer public key stored in the public key certificate on the bank card to perform recovery operation on the digital signature 0 encrypted by the issuer private key, the recovery data contains the hash value of important application data of the bank card, and if the recovered hash value is consistent with the hash value generated by the mobile terminal on the application data in the actual bank card, the bank card data is verified to be unmodified.
Offline Dynamic Data Authentication (DDA) is mainly used to prevent the data of the bank card from being illegally modified and to verify the authenticity of the bank card itself. The dynamic data authentication includes standard Dynamic Data Authentication (DDA) and composite dynamic data authentication (CDA). Both of these ways resemble an SDA in verifying the bank card static data. In standard DDA, the mobile terminal requires the bank card to generate an encrypted digital signature using dynamic data (transaction unique) from the bank card and the mobile terminal and the bank card private key, the mobile terminal decrypts the digital signature using the bank card public key recovered from the bank card data to recover, and if the recovered data matches the original data, it verifies that the card is not a pseudo card generated by data copying on a legitimate card. In composite dynamic data authentication (CDA), the generation of the dynamic signature is combined with the generation of the application cryptogram in the behavior analysis stage of the bank card to ensure that the application cryptogram comes from the legal bank card.
The embodiment of the invention applies the composite dynamic data authentication (CDA) technology applied to the bank card verification to the verification process of the electronic cash voucher, realizes the safe verification and the secret-free input of the electronic cash voucher in the off-line transaction, and ensures the safe and efficient realization of the off-line transaction.
In an embodiment of the present invention, when implementing the digital electronic cash management apparatus provided in the embodiment of the present invention, the logging in the mobile terminal initiates an application to a digital electronic cash system based on a cloud architecture to obtain an electronic cash voucher, including:
logging in the mobile terminal, initiating an application to a voucher management unit in the digital electronic cash system based on the cloud architecture, and generating an electronic cash voucher to be issued to the SE unit of the mobile terminal after the voucher management unit checks the user information.
In an embodiment, the cloud-based digital electronic cash system includes: the system comprises a certificate management unit, a transaction processing unit and a batch processing unit. The digital electronic cash system based on the cloud architecture operates at a bank server end and is connected with a database of a bank. The user logs in the mobile terminal, initiates an application to a certificate management unit in the digital electronic cash system based on the cloud architecture, and generates an electronic cash certificate and sends the electronic cash certificate to a mobile terminal SE (Secure Element) unit after the certificate management unit checks user information by using a bank server.
The mobile terminal can be a mobile phone, a pad, a personal computer and the like.
The SE unit realizes functions of data safe storage, encryption and decryption operation and the like through a safety chip and a Chip Operating System (COS). The SE may be packaged in various forms, commonly a smart card and an embedded secure element (eSE), among others. Aiming at an embedded security element (eSE) product developed by an NFC terminal product, an intelligent security chip meeting the requirements of CCEAL5+ security level is adopted, a security operating system is built in, and the requirements of a terminal on security key storage, data encryption service and the like are met. The NFC wallet can be widely applied to the fields of finance, mobile payment, urban traffic, medical treatment, retail and the like, can protect the safety of online payment, and can be used as an offline payment wallet by matching with NFC.
In an embodiment of the present invention, when the digital electronic cash management apparatus provided in the embodiment of the present invention is implemented specifically, the aforementioned mobile terminal is connected to the consumption terminal, the electronic cash voucher is verified in a composite dynamic data authentication manner, and the offline consumption is initiated after the verification is passed, where the method includes:
the mobile terminal is connected with the consumption terminal in an NFC mode, the consumption terminal and the electronic cash voucher in the SE unit of the mobile terminal are verified in a composite dynamic data authentication mode, and offline consumption is initiated after verification is passed.
In the embodiment, a user connects a mobile terminal with a consumption terminal in an NFC mode, the consumption terminal and an electronic cash certificate in an SE unit of the mobile terminal carry out verification in a composite dynamic data authentication mode, and offline consumption is initiated after the verification is passed.
When a digital electronic cash management apparatus provided by an embodiment of the present invention is implemented specifically, in an embodiment, the initiating of the offline consumption transaction, generating a transaction detail message at a consumption end, and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture includes:
and initiating an off-line consumption transaction, and generating a transaction detail message at a consumption end and uploading the transaction detail message to a transaction processing unit of the digital electronic cash system based on the cloud architecture through a receiving mechanism and a clearing network.
In an embodiment, the consumption end may be a POS of a merchant, the offline consumption transaction is initiated by connecting the mobile terminal and the consumption terminal, and a transaction detail message generated at the consumption end is uploaded to a transaction processing unit of the cloud-architecture-based digital electronic cash system through the acquirer and the clearing network. And the acquiring mechanism and the clearing network are used for uniformly managing the consumption end. In the embodiment, the POS machine consumption terminal uploads the transaction detail messages to the acquiring mechanism and the clearing network in real time/in a delayed mode, and the acquiring mechanism and the clearing network upload the transaction detail messages to the transaction processing unit of the digital electronic cash system based on the cloud architecture in batch.
Fig. 3 is a schematic diagram of an electronic cash deduction process of a digital electronic cash management method according to an embodiment of the present invention, and as shown in fig. 3, when a digital electronic cash management apparatus according to an embodiment of the present invention is implemented specifically, in an embodiment, the electronic cash voucher of the mobile terminal is deducted by a balance of electronic cash according to the offline consumption transaction information, and the electronic cash voucher with the electronic cash balance deducted and the offline consumption transaction information are uploaded to a digital electronic cash system based on a cloud architecture, including:
step 301: triggering a card writing script according to the off-line consumption transaction information, and deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal;
step 302: acquiring a network state of the mobile terminal;
step 303: and uploading the electronic cash voucher and the off-line consumption transaction information after deducting the balance of the electronic cash in real time or uploading the electronic cash voucher and the off-line consumption transaction information to a transaction processing unit of the digital electronic cash system based on the cloud architecture in a delayed manner according to the network state of the mobile terminal.
In the embodiment, after receiving the off-line consumption transaction information, the mobile terminal triggers a card writing script, deducts the balance of electronic cash from an electronic cash voucher of the mobile terminal, and then acquires the network state of the mobile terminal; and uploading the electronic cash voucher and the off-line consumption transaction information after deducting the balance of the electronic cash in real time or uploading the electronic cash voucher and the off-line consumption transaction information to a transaction processing unit of the digital electronic cash system based on the cloud architecture in a delayed manner according to the network state of the mobile terminal.
For example, when the network state of the mobile terminal is not good, the electronic cash voucher and the offline consumption transaction information after deducting the electronic cash balance are uploaded to a transaction processing unit of the digital electronic cash system based on the cloud architecture in a delayed manner; and when the network state of the mobile terminal is good, uploading the electronic cash voucher and the off-line consumption transaction information after deducting the balance of the electronic cash to a transaction processing unit of the digital electronic cash system based on the cloud architecture in real time.
In an embodiment of the digital electronic cash management apparatus provided in the embodiment of the present invention, in the digital electronic cash system based on the cloud architecture, the electronic cash voucher deducted by the electronic cash balance, the offline consumption transaction information, and the transaction detail message are checked and posted to generate a transaction report, which includes:
in the digital electronic cash system based on the cloud architecture, a batch processing unit extracts an electronic cash voucher, offline consumption transaction information and a transaction detail message after deducting the balance of the electronic cash from a transaction processing unit, and performs batch processing of checking and posting by combining the electronic cash voucher in a voucher management unit to generate a transaction report; the transaction statement comprises: normal transaction records and abnormal transaction records.
In the embodiment, when the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the balance of the electronic cash are transmitted to a digital electronic cash system based on a cloud architecture, the electronic cash voucher, the off-line consumption transaction information and the transaction detail message are stored in a transaction processing unit; when the batch processing condition is reached, for example, batch processing is carried out once at a set interval of 1 hour, the batch processing unit extracts the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the balance of the electronic cash from the transaction processing unit, and batch processing of checking and posting is carried out by combining the electronic cash voucher in the voucher management unit to generate a transaction report; the transaction statement comprises: normal transaction records and abnormal transaction records. And checking abnormal transactions of the day according to the ATC, the transaction amount and the like. Business staff can check the transaction report and process abnormal transactions.
As shown in fig. 2, when the digital electronic cash management method according to the embodiment of the present invention is executed, the method may include the following steps:
1. a user logs in a mobile terminal (an application such as a mobile banking);
2. a user initiates application, activation and cancellation of a digital electronic cash voucher at a mobile terminal, the mobile terminal initiates a request to a voucher management module of a digital electronic cash system based on a cloud architecture, and the voucher management module issues the electronic cash voucher or deletes electronic cash after the request is successfully processed;
3. the method comprises the steps that a user carries out off-line consumption in a consumption terminal in an NFC mode, the consumption terminal and an electronic cash voucher in an SE module of a mobile terminal application carry out composite dynamic data authentication to verify the voucher, an off-line consumption transaction is initiated after the verification is successful, off-line consumption transaction information is returned to the mobile terminal after the verification is successful, a card writing script is initiated by the mobile terminal application, and the physical balance of the electronic cash is deducted;
4. the POS consumption terminal uploads the transaction to a acquirer/clearing network in real time/in a delayed mode;
5. the transaction processing module can perform posting processing according to uploaded messages such as a transaction calculator ATC, card amount, consumption finance and the like;
6. the mobile terminal application can carry out loading/unloading transaction on the digital electronic cash;
7/8, when the batch processing is carried out every day, the batch processing unit processes the data of the certificate management unit and the transaction processing unit, checks the transaction of the day according to the ATC, the transaction amount and the like, and generates a transaction report;
9. business staff can check the report and process abnormal transactions.
Fig. 4 is a schematic diagram of a computer device for executing a digital electronic cash management method implemented by the present invention, and as shown in fig. 4, an embodiment of the present invention further provides a computer device including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor executes the computer program to implement the above-mentioned digital electronic cash management method.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for implementing the above-mentioned digital electronic cash management method is stored in the computer-readable storage medium.
The embodiment of the invention also provides a digital electronic cash management device, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to that of a digital electronic cash management method, the implementation of the device can be referred to the implementation of the digital electronic cash management method, and repeated details are not repeated.
Fig. 5 is a schematic view of a digital electronic cash management apparatus according to an embodiment of the present invention, and as shown in fig. 5, an embodiment of the present invention further provides a digital electronic cash management apparatus, including:
the electronic cash voucher acquisition module 501 is used for logging in the mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture, and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance;
the offline consumption module 502 is used for connecting the mobile terminal with the consumption terminal, verifying the electronic cash voucher in a composite dynamic data authentication mode, initiating an offline consumption transaction after the verification is passed, generating and storing offline consumption transaction information at the mobile terminal, generating and uploading transaction detail messages at the consumption terminal to a digital electronic cash system based on a cloud architecture;
the electronic cash deduction module 503 is configured to deduct the balance of the electronic cash from the electronic cash voucher of the mobile terminal according to the offline consumption transaction information, and upload the electronic cash voucher subjected to deduction of the balance of the electronic cash and the offline consumption transaction information to the digital electronic cash system based on the cloud architecture;
and the transaction report generation module 504 is configured to perform verification and entry processing on the electronic cash voucher, the offline consumption transaction information, and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, and generate a transaction report.
In an embodiment of the present invention, when the digital electronic cash management apparatus provided in the embodiment of the present invention is implemented specifically, the electronic cash voucher obtaining module is specifically configured to:
logging in the mobile terminal, initiating an application to a voucher management unit in the digital electronic cash system based on the cloud architecture, and generating an electronic cash voucher to be issued to the SE unit of the mobile terminal after the voucher management unit checks the user information.
In an embodiment of the invention, when the digital electronic cash management apparatus provided in the embodiment of the present invention is implemented, the offline consumption module is specifically configured to:
the mobile terminal is connected with the consumption terminal in an NFC mode, the consumption terminal and the electronic cash voucher in the SE unit of the mobile terminal are verified in a composite dynamic data authentication mode, and offline consumption is initiated after verification is passed.
In an embodiment of the digital electronic cash management apparatus according to an embodiment of the present invention, the offline consumption module is further configured to:
and initiating an off-line consumption transaction, and generating a transaction detail message at a consumption end and uploading the transaction detail message to a transaction processing unit of the digital electronic cash system based on the cloud architecture through a receiving mechanism and a clearing network.
In an embodiment of the invention, when the digital electronic cash management apparatus provided in the embodiment of the present invention is implemented, the electronic cash deduction module is specifically configured to:
triggering a card writing script according to the off-line consumption transaction information, and deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal;
acquiring a network state of the mobile terminal;
and uploading the electronic cash voucher and the off-line consumption transaction information after deducting the balance of the electronic cash in real time or uploading the electronic cash voucher and the off-line consumption transaction information to a transaction processing unit of the digital electronic cash system based on the cloud architecture in a delayed manner according to the network state of the mobile terminal.
In an embodiment of the invention, when the digital electronic cash management apparatus provided in the embodiment of the present invention is implemented specifically, the transaction report generation module is specifically configured to:
in the digital electronic cash system based on the cloud architecture, a batch processing unit extracts an electronic cash voucher, offline consumption transaction information and a transaction detail message after deducting the balance of the electronic cash from a transaction processing unit, and performs batch processing of checking and posting by combining the electronic cash voucher in a voucher management unit to generate a transaction report; the transaction statement comprises: normal transaction records and abnormal transaction records.
To sum up, the digital electronic cash management method and device provided by the embodiment of the invention initiate an application to a cloud-architecture-based digital electronic cash system by logging in a mobile terminal, obtain an electronic cash voucher, and write the function of electronic cash into an SE module of the mobile terminal, so that the problem of carrying a bank entity chip card is avoided, and the portability is improved; then connecting the mobile terminal with a consumption terminal, verifying the electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture; deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture; and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report. The electronic cash voucher is verified in a composite dynamic data authentication mode, the off-line consumption transaction is initiated after the verification is passed, a password does not need to be manually input, the off-line consumption transaction does not need to be connected with a real-time network, a card writing script is verified and generated in the composite dynamic data authentication mode, the fast off-line consumption is realized, and the connection with the network and the carrying of an entity card are not needed; after the terminal transaction is successful, the real-time/delayed uploading transaction to the background cloud architecture system can be realized according to the network condition of the terminal, the offline consumption without secret is realized quickly, the dependence on the network is reduced, and the user experience is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (14)
1. A digital electronic cash management method, comprising:
logging in a mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture, and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance;
connecting a mobile terminal with a consumption terminal, verifying an electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at a consumption end, and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture;
deducting the balance of electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher subjected to deduction of the balance of the electronic cash and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture;
and verifying and entering account processing are carried out on the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture, so as to generate a transaction report.
2. The method of claim 1, wherein logging into a mobile terminal, initiating an application to a cloud-based digital electronic cash system, and obtaining an electronic cash voucher, comprises:
logging in the mobile terminal, initiating an application to a voucher management unit in the digital electronic cash system based on the cloud architecture, and generating an electronic cash voucher to be issued to the SE unit of the mobile terminal after the voucher management unit checks the user information.
3. The method of claim 2, wherein connecting the mobile terminal to the consuming terminal, verifying the electronic cash voucher by means of composite dynamic data authentication, and initiating offline consumption after verification, comprises:
the mobile terminal is connected with the consumption terminal in an NFC mode, the consumption terminal and the electronic cash voucher in the SE unit of the mobile terminal are verified in a composite dynamic data authentication mode, and offline consumption is initiated after verification is passed.
4. The method of claim 2, wherein initiating an offline consumption transaction, generating a transaction detail message at a consuming end and uploading the transaction detail message to a cloud-based digital electronic cash system comprises:
and initiating an off-line consumption transaction, and generating a transaction detail message at a consumption end and uploading the transaction detail message to a transaction processing unit of the digital electronic cash system based on the cloud architecture through a receiving mechanism and a clearing network.
5. The method of claim 4, wherein deducting the electronic cash balance from the electronic cash voucher of the mobile terminal according to the offline consumption transaction information, and uploading the electronic cash voucher deducted by the electronic cash balance and the offline consumption transaction information to the cloud-based digital electronic cash system, comprising:
triggering a card writing script according to the off-line consumption transaction information, and deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal;
acquiring a network state of the mobile terminal;
and uploading the electronic cash voucher and the off-line consumption transaction information after deducting the balance of the electronic cash in real time or uploading the electronic cash voucher and the off-line consumption transaction information to a transaction processing unit of the digital electronic cash system based on the cloud architecture in a delayed manner according to the network state of the mobile terminal.
6. The method of claim 5, wherein the verifying and posting the electronic cash voucher deducted the electronic cash balance, the offline consumption transaction information and the transaction detail message in the cloud-based digital electronic cash system to generate a transaction statement comprises:
in the digital electronic cash system based on the cloud architecture, a batch processing unit extracts an electronic cash voucher, offline consumption transaction information and a transaction detail message after deducting the balance of the electronic cash from a transaction processing unit, and performs batch processing of checking and posting by combining the electronic cash voucher in a voucher management unit to generate a transaction report; the transaction statement comprises: normal transaction records and abnormal transaction records.
7. A digital electronic cash management device, comprising:
the electronic cash voucher acquisition module is used for logging in the mobile terminal, initiating an application to a digital electronic cash system based on a cloud architecture and acquiring an electronic cash voucher; the electronic cash voucher, comprising: electronic cash and its balance;
the off-line consumption module is used for connecting the mobile terminal with the consumption terminal, verifying the electronic cash voucher in a composite dynamic data authentication mode, initiating an off-line consumption transaction after the verification is passed, generating and storing off-line consumption transaction information at the mobile terminal, generating a transaction detail message at the consumption end and uploading the transaction detail message to a digital electronic cash system based on a cloud architecture;
the electronic cash deduction module is used for deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal according to the off-line consumption transaction information, and uploading the electronic cash voucher with the balance of the electronic cash deducted and the off-line consumption transaction information to a digital electronic cash system based on a cloud architecture;
and the transaction report generation module is used for verifying and entering account of the electronic cash voucher, the off-line consumption transaction information and the transaction detail message after deducting the electronic cash balance in the digital electronic cash system based on the cloud architecture to generate a transaction report.
8. The apparatus of claim 7, wherein the electronic cash voucher acquisition module is specifically configured to:
logging in the mobile terminal, initiating an application to a voucher management unit in the digital electronic cash system based on the cloud architecture, and generating an electronic cash voucher to be issued to the SE unit of the mobile terminal after the voucher management unit checks the user information.
9. The apparatus of claim 8, wherein the offline consumption module is specifically configured to:
the mobile terminal is connected with the consumption terminal in an NFC mode, the consumption terminal and the electronic cash voucher in the SE unit of the mobile terminal are verified in a composite dynamic data authentication mode, and offline consumption is initiated after verification is passed.
10. The apparatus of claim 8, wherein the offline consumption module is further to:
and initiating an off-line consumption transaction, and generating a transaction detail message at a consumption end and uploading the transaction detail message to a transaction processing unit of the digital electronic cash system based on the cloud architecture through a receiving mechanism and a clearing network.
11. The apparatus of claim 10, wherein the electronic cash deduction module is specifically configured to:
triggering a card writing script according to the off-line consumption transaction information, and deducting the balance of the electronic cash from the electronic cash voucher of the mobile terminal;
acquiring a network state of the mobile terminal;
and uploading the electronic cash voucher and the off-line consumption transaction information after deducting the balance of the electronic cash in real time or uploading the electronic cash voucher and the off-line consumption transaction information to a transaction processing unit of the digital electronic cash system based on the cloud architecture in a delayed manner according to the network state of the mobile terminal.
12. The apparatus of claim 11, wherein the transaction statement generation module is specifically configured to:
in the digital electronic cash system based on the cloud architecture, a batch processing unit extracts an electronic cash voucher, offline consumption transaction information and a transaction detail message after deducting the balance of the electronic cash from a transaction processing unit, and performs batch processing of checking and posting by combining the electronic cash voucher in a voucher management unit to generate a transaction report; the transaction statement comprises: normal transaction records and abnormal transaction records.
13. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 6 when executing the computer program.
14. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing a method according to any one of claims 1 to 6.
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