CN112241881A

CN112241881A - Off-line transaction method and system based on electronic cash

Info

Publication number: CN112241881A
Application number: CN201910646063.7A
Authority: CN
Inventors: 李东声
Original assignee: Tendyron Corp
Current assignee: Tendyron Corp
Priority date: 2019-07-17
Filing date: 2019-07-17
Publication date: 2021-01-19

Abstract

The invention discloses an off-line transaction method and system based on electronic cash, wherein the method comprises the following steps: the background server receives transaction clearing information from at least one intelligent card and executes electronic cash clearing; screening abnormal transactions from the transaction clearing information, and adding identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card; the method comprises the steps that a smart card to be traded sends a trading information acquisition request to a trading terminal to be traded; the transaction terminal to be transacted sends the transaction information to the smart card to be transacted; the method comprises the steps that a smart card to be traded detects whether identification information of a trading terminal to be traded is in a first offline trading abnormal list stored in the smart card; if not, sending authentication passing information to a transaction terminal to be transacted; the transaction terminal to be transacted detects whether the identification information of the smart card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal to be transacted; if not, generating a transaction instruction and sending the transaction instruction to the smart card.

Description

Off-line transaction method and system based on electronic cash

Technical Field

The invention relates to the technical field of electronic transactions, in particular to an off-line transaction method and system based on electronic cash.

Background

In the traditional off-line transaction application such as electronic cash, the off-line transaction cannot be authenticated in a real-time networking manner, so that the background server cannot clear the electronic cash in time. In the case of an off-line transaction, the payment terminal stores an electronic cash which can be repeatedly consumed by the user, and the payment terminal deducts the corresponding amount of consumption from the card balance after each consumption by the user. There are therefore two types of safety issues: firstly, lawless persons (payers) may falsify the balance of the card, and still consume the card under the condition of insufficient actual balance, because the offline transaction is executed, the card cannot be cleared in real time, and the payee and the background server cannot timely verify whether the offline transaction is effective or not; secondly, lawless persons may use transaction terminals such as a POS machine to illegally swipe cards with electronic cash, and the users cannot timely know that the electronic cash in the cards is swiped away because the cards cannot be cleared in real time.

At present, a blacklist mode is usually adopted to prevent embezzlement, and the mode is generally a blacklist set in a background server, all card information which is not activated and has all problems such as illegal transaction records is stored in the blacklist, so that the data volume of the blacklist is large. Due to the fact that the data volume of the blacklist is large, a background server often exists and cannot be stored in the card, and a user needs to be connected to a background in the transaction process to compare the blacklist and inquire whether the device of the opposite side is in the blacklist or not. Therefore, a better technical solution for offline transaction of electronic cash is urgently needed to reduce the data amount of the blacklist and avoid the security problem which may occur in the offline transaction of electronic cash.

Disclosure of Invention

The present invention is directed to solving one of the problems set forth above.

The invention mainly aims to provide an off-line transaction method based on electronic cash;

another object of the present invention is to provide an electronic cash based off-line transaction system.

In order to achieve the purpose, the technical scheme of the invention is realized as follows:

the invention provides an off-line transaction method based on electronic cash, which comprises the following steps: the background server generates an offline transaction exception list of the transaction terminal; the background server receives transaction clearing information from at least one intelligent card and executes electronic cash clearing; wherein each piece of transaction clearing information at least comprises: at least one transaction message, the transaction message comprising at least: a transaction amount; the background server screens abnormal transactions from the transaction clearing information according to a preset algorithm, and adds identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card; under the condition that the transaction terminal to be transacted is not connected with the background server, the transaction terminal to be transacted is connected with the intelligent card to be transacted, and electronic cash transaction application selection information is sent to the intelligent card to be transacted, wherein the electronic cash transaction application selection information at least comprises: identification information of a transaction terminal to be transacted; under the condition that the smart card to be transacted is not connected with the background server, receiving electronic cash transaction application selection information, determining activation of the electronic cash transaction application, generating a transaction information acquisition request, and sending the transaction information acquisition request to a transaction terminal to be transacted, wherein the transaction information acquisition request at least comprises active field information of the smart card to be transacted and identification information of the smart card to be transacted; wherein, the activity field information of the smart card to be transacted at least comprises: the transaction remaining times of the smart card to be transacted; the transaction terminal to be transacted generates transaction information according to the transaction information acquisition request, and sends the transaction information to the smart card to be transacted; the method comprises the steps that a to-be-traded smart card detects whether identification information of a to-be-traded trading terminal is in a first offline trading abnormal list stored in the to-be-traded smart card, wherein the first offline trading abnormal list is the trading terminal offline trading abnormal list which is obtained and stored from a background server under the condition that the to-be-traded smart card is connected with the background server; if the identification information of the transaction terminal to be transacted is in the first off-line transaction abnormal list, terminating the transaction process; if the identification information of the transaction terminal to be transacted is not in the first offline transaction abnormal list, generating authentication passing information and sending the authentication passing information to the transaction terminal to be transacted; the method comprises the steps that a transaction terminal to be transacted detects whether identification information of an intelligent card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal, wherein the second offline transaction abnormal list is the intelligent card offline transaction abnormal list obtained and stored from a background server under the condition that the transaction terminal to be transacted is connected with the background server; if the identification information of the smart card to be traded is in the second offline transaction abnormal list, the trading process is terminated; if the identification information of the smart card to be traded is not in the second offline trading abnormal list, detecting whether the active field information of the smart card to be traded is in an effective state, and if the active field information of the smart card to be traded is invalid, terminating the trading process; if the active field information of the smart card to be transacted is valid and the transaction terminal to be transacted receives the authentication passing information, generating a transaction instruction and sending the transaction instruction to the smart card; wherein the activity field information of the smart card to be transacted effectively comprises: the remaining number of transactions is greater than 0; after receiving the transaction instruction, the smart card to be transacted deducts the balance of the card and changes the active field information of the smart card to be transacted according to the transaction information; the method comprises the steps that a to-be-transacted intelligent card is connected with a background server, transaction clearing information is generated according to all transaction information generated by the to-be-transacted intelligent card under the condition that the to-be-transacted intelligent card is not connected with the background server and electronic cash stored in the to-be-transacted intelligent card, and the transaction clearing information is sent to the background server.

Optionally, the activity field information of the smart card to be transacted further includes: tradeable time, tradeable currency code, tradeable credit, etc.

Optionally, the method further comprises: the smart card to be traded sends an active field updating request to a background server; the background server sends an active field updating instruction to the smart card to be traded according to the active field updating request; and the smart card to be traded rewrites the activity field information according to the activity field updating instruction.

Optionally, the background server screens abnormal transactions from the transaction clearing information according to a preset algorithm, including: the background server judges whether the sum of the transaction amounts of all transaction information generated by the smart card to be transacted under the condition that the smart card is not connected with the background server is larger than the face value of the electronic cash stored by the background server, and if the sum of the transaction amounts of all transaction information generated by the background server under the condition that the smart card is not connected with the background server is larger than the face value of the electronic cash stored by the background server, the transaction clearing information is screened as abnormal transaction.

Optionally, after the transaction clearing information is received from the at least one smart card at the background server, and the electronic cash clearing is performed, the method further comprises: the background server issues new electronic cash to an intelligent card; the smart card to be transacted receives new electronic cash, and the face value of the new electronic cash is added to the balance of the card.

Another aspect of the present invention provides an electronic cash-based offline transaction system, including: the system comprises a background server, an intelligent card to be traded and a trading terminal to be traded; the background server is used for generating an offline transaction exception list of the transaction terminal; receiving transaction clearing information and executing electronic cash clearing; screening abnormal transactions from transaction clearing information according to a preset algorithm, and adding identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card; wherein each piece of transaction clearing information at least comprises: at least one transaction message, the transaction message comprising at least: a transaction amount; the transaction terminal to be transacted is used for establishing connection with the intelligent card to be transacted under the condition that the connection with the background server is not established, and sending electronic cash transaction application selection information to the intelligent card to be transacted; wherein the electronic cash transaction application selection information at least includes: identification information of a transaction terminal to be transacted; the system comprises a to-be-transacted intelligent card, a background server and a transaction terminal, wherein the to-be-transacted intelligent card is used for receiving electronic cash transaction application selection information under the condition of not establishing connection with the background server, determining activation of an electronic cash transaction application, generating a transaction information acquisition request, and sending the transaction information acquisition request to the to-be-transacted transaction terminal, wherein the transaction information acquisition request at least comprises active field information of the to-be-transacted intelligent card and identification information of the to-be-transacted intelligent card; wherein, the activity field information of the smart card to be transacted at least comprises: the transaction remaining times of the smart card to be transacted; the transaction terminal to be transacted is also used for generating transaction information according to the transaction information acquisition request and sending the transaction information to the smart card to be transacted; the intelligent card to be transacted is also used for detecting whether the identification information of the transaction terminal to be transacted is in a first offline transaction abnormal list stored in the intelligent card to be transacted, wherein the first offline transaction abnormal list is the transaction terminal offline transaction abnormal list which is obtained and stored from the background server under the condition that the intelligent card to be transacted is connected with the background server; if the identification information of the transaction terminal to be transacted is in the first off-line transaction abnormal list, terminating the transaction process; if the identification information of the transaction terminal to be transacted is not in the first offline transaction abnormal list, generating authentication passing information and sending the authentication passing information to the transaction terminal to be transacted; the transaction terminal to be transacted is also used for detecting whether the identification information of the smart card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal to be transacted, wherein the second offline transaction abnormal list is the smart card offline transaction abnormal list acquired and stored from the background server under the condition that the transaction terminal to be transacted is connected with the background server; if the identification information of the smart card to be traded is in the second offline transaction abnormal list, the trading process is terminated; if the identification information of the smart card to be traded is not in the second offline trading abnormal list, detecting whether the active field information of the smart card to be traded is in an effective state, and if the active field information of the smart card to be traded is invalid, terminating the trading process; if the active field information of the smart card to be transacted is valid and the transaction terminal to be transacted receives the authentication passing information, generating a transaction instruction and sending the transaction instruction to the smart card; wherein the activity field information of the smart card to be transacted effectively comprises: the remaining number of transactions is greater than 0; the smart card to be transacted is also used for deducting the balance of the card and changing the activity field information of the smart card to be transacted according to the transaction information after receiving the transaction instruction; the method comprises the steps of establishing connection with a background server, generating transaction clearing information according to all transaction information generated by the smart card to be transacted under the condition that the smart card is not connected with the background server and electronic cash stored in the smart card, and sending the transaction clearing information to the background server.

Optionally, the smart card to be transacted is further configured to send an active field update request to the background server when the remaining number of transactions in the active field information is 0; the background server is also used for sending an active field updating instruction to the smart card to be traded according to the active field updating request; the smart card to be traded is also used for rewriting the activity field information according to the activity field updating instruction.

Optionally, the background server is further configured to determine whether a total transaction amount of all transaction information generated by the smart card to be transacted without establishing a connection with the background server is greater than a face value of the electronic cash stored in the background server, and if the total transaction amount of all transaction information generated by the background server without establishing a connection is greater than the face value of the electronic cash stored in the background server, filter the transaction clearing information as an abnormal transaction.

Optionally, the background server is further configured to issue new electronic cash to a smart card; the smart card to be transacted is also used for receiving new electronic cash, and adding the face value of the new electronic cash to the balance of the card.

According to the technical scheme provided by the invention, the invention provides the off-line transaction method and the off-line transaction system based on the electronic cash. By adopting the technical scheme provided by the invention, the background server lists the identification information of the transaction equipment (the intelligent card or the transaction terminal) with abnormal transactions into the offline transaction abnormal list according to the past transaction clearing condition, and the intelligent card to be transacted and the transaction terminal to be transacted respectively acquire the offline transaction abnormal list from the background server before transaction, thereby providing the basis of identity verification for the subsequent electronic cash transaction. Since the offline transaction exception list stores only the identification information of the transaction devices which are actively used and have undergone the exception transaction, the data amount of the offline transaction exception list is greatly reduced compared with the conventional electronic transaction blacklist (the blacklist stores all the information of the problem cards which are not activated and have illegal transaction records, etc.), and thus, the offline transaction exception list can be stored in the transaction devices. In addition, after the smart card to be transacted and the transaction terminal verify that the other party is not in the off-line transaction exception list stored by the transaction terminal, the transaction terminal also needs to verify whether the active field information of the smart card to be transacted is in an effective state, for example, whether the remaining transaction frequency of the smart card to be transacted is greater than zero, and the off-line transaction of the electronic cash can be completed only when the active field information of the smart card to be transacted is in the effective state. Therefore, by limiting the number of off-line transactions, on one hand, if lawbreakers (payers) tamper with the balance of the card, namely, under the condition that the actual balance is insufficient, the lawbreakers can be effectively prevented from carrying out multiple illegal consumptions; on the other hand, if a lawbreaker (payee) uses a transaction terminal such as a POS machine to illegally swipe a card containing electronic cash, the lawbreaker cannot swipe the electronic cash several times due to the limitation of the number of times the payment card is transacted offline.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.

Fig. 1 is a flowchart of an electronic cash-based offline transaction method according to embodiment 1 of the present invention;

fig. 2 is a schematic structural diagram of an electronic cash-based offline transaction system according to embodiment 2 of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention are 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 embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.

In the description of the present invention, it is to be understood that the terms "center", "longitudinal", "lateral", "up", "down", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", and the like, indicate orientations or positional relationships based on those shown in the drawings, and are used only for convenience in describing the present invention and for simplicity in description, and do not indicate or imply that the referenced devices or elements must have a particular orientation, be constructed and operated in a particular orientation, and thus, are not to be construed as limiting the present invention. Furthermore, the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or quantity or location.

In the description of the present invention, it should be noted that, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.

Embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.

Example 1

Fig. 1 is a flowchart of an electronic cash-based offline transaction method according to this embodiment. As shown in fig. 1, the present embodiment provides an electronic cash-based off-line transaction method, including:

step S1: the background server generates an offline transaction exception list of the transaction terminal;

step S2: the background server receives transaction clearing information from at least one intelligent card and executes electronic cash clearing; the background server screens abnormal transactions from the transaction clearing information according to a preset algorithm, and adds identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card;

wherein each piece of transaction clearing information at least comprises: at least one transaction message, the transaction message comprising at least: a transaction amount;

step S3: under the condition that the transaction terminal to be transacted is not connected with the background server, the transaction terminal to be transacted is connected with the intelligent card to be transacted, and electronic cash transaction application selection information is sent to the intelligent card to be transacted;

wherein the electronic cash transaction application selection information at least includes: identification information of a transaction terminal to be transacted;

step S4: under the condition that the smart card to be transacted is not connected with the background server, receiving electronic cash transaction application selection information and determining activation of the electronic cash transaction application;

step S5: the method comprises the steps that a smart card to be traded generates a trading information acquisition request and sends the trading information acquisition request to a trading terminal to be traded;

the transaction information acquisition request at least comprises active field information of the smart card to be transacted and identification information of the smart card to be transacted; the activity field information of the smart card to be transacted at least comprises: the transaction remaining times of the smart card to be transacted;

step S6: the transaction terminal to be transacted generates transaction information according to the transaction information acquisition request, and sends the transaction information to the smart card to be transacted;

step S7-1: the method comprises the steps that a smart card to be traded detects whether identification information of a trading terminal to be traded is in a first offline trading abnormal list stored in the smart card; if the identification information of the transaction terminal to be transacted is in the first offline transaction exception list, executing step S7-3; if the identification information of the transaction terminal to be transacted is not in the first offline transaction exception list, executing step S7-2;

the first offline transaction abnormal list is a transaction terminal offline transaction abnormal list which is obtained and stored from the background server under the condition that the smart card to be transacted is connected with the background server;

step S7-2: the smart card to be transacted generates authentication passing information and sends the authentication passing information to the transaction terminal to be transacted, and the step S8-1 is skipped;

step S7-3: the smart card to be traded terminates the trading process;

step S8-1: the transaction terminal to be transacted detects whether the identification information of the smart card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal to be transacted; if the identification information of the smart card to be transacted is in the second offline transaction exception list, executing step S8-4; if the identification information of the smart card to be transacted is not in the second offline transaction exception list, executing step S8-2;

the second offline transaction abnormal list is an intelligent card offline transaction abnormal list which is obtained and stored from the background server under the condition that the transaction terminal to be transacted is connected with the background server;

step S8-2: the transaction terminal to be transacted detects whether the active field information of the smart card to be transacted is in an effective state; if the activity field information of the smart card to be transacted is invalid, executing the step S8-4; if the active field information of the smart card to be transacted is valid and the transaction terminal to be transacted receives the authentication passing information, executing the step 8-3;

wherein the activity field information of the smart card to be transacted effectively comprises: the remaining number of transactions is greater than 0;

step S8-3: the transaction terminal to be transacted generates a transaction instruction, sends the transaction instruction to the smart card, and jumps to step S9;

step S8-4: the transaction terminal to be transacted terminates the transaction process;

step S9: after receiving the transaction instruction, the smart card to be transacted deducts the balance of the card and changes the active field information of the smart card to be transacted according to the transaction information;

step S10: the method comprises the steps that a to-be-transacted intelligent card is connected with a background server, transaction clearing information is generated according to all transaction information generated by the to-be-transacted intelligent card under the condition that the to-be-transacted intelligent card is not connected with the background server and electronic cash stored in the to-be-transacted intelligent card, and the transaction clearing information is sent to the background server.

In the offline transaction method based on electronic cash provided by this embodiment, the background server lists the identification information of the transaction device (smart card or transaction terminal) having abnormal transactions in the offline transaction abnormal list according to the previous transaction clearing condition, and the smart card to be transacted and the transaction terminal to be transacted respectively obtain the offline transaction abnormal list from the background server before transaction, so as to provide the basis for identity authentication for the subsequent electronic cash transaction. Since the offline transaction exception list stores only the identification information of the transaction devices which are actively used and have undergone the exception transaction, the data amount of the offline transaction exception list is greatly reduced compared with the conventional electronic transaction blacklist (the blacklist stores all the information of the problem cards which are not activated and have illegal transaction records, etc.), and thus, the offline transaction exception list can be stored in the transaction devices. In addition, after the smart card to be transacted and the transaction terminal to be transacted verify that the other party is not in the off-line transaction exception list stored by the other party, the transaction terminal to be transacted needs to verify whether the active field information of the smart card to be transacted is in an effective state, for example, whether the remaining transaction frequency of the smart card to be transacted is greater than zero, and the off-line transaction of the electronic cash can be completed only when the active field information of the smart card to be transacted is in the effective state. Therefore, by limiting the number of off-line transactions, on one hand, if lawbreakers (payers) tamper with the balance of the card, namely, under the condition that the actual balance is insufficient, the lawbreakers can be effectively prevented from carrying out multiple illegal consumptions; on the other hand, if a lawbreaker (payee) uses a transaction terminal such as a POS machine to illegally swipe a card containing electronic cash, the lawbreaker cannot swipe the electronic cash several times due to the limitation of the number of times the payment card is transacted offline.

The following describes in detail the interaction flow between the smart card, the background server, and the transaction terminal in the method provided in this embodiment:

step S1: and the background server generates an offline transaction exception list of the transaction terminal.

In this embodiment, the transaction terminal refers to a transaction device at a receiving end, and may be a transaction device such as a mobile phone and a POS machine with an electronic cash offline transaction function, or may be a smart card type transaction device. The background server can screen abnormal transactions according to a preset algorithm, and the identification information of the transaction terminal causing the abnormal transactions is listed in an offline transaction abnormal list of the transaction terminal. A specific method of screening abnormal transactions will be described later in this embodiment.

Step S2: the background server receives transaction clearing information from at least one intelligent card and executes electronic cash clearing; and the background server screens abnormal transactions from the transaction clearing information according to a preset algorithm, and adds the identification information of the intelligent card participating in the abnormal transactions into an offline transaction abnormal list of the intelligent card.

Wherein each piece of transaction clearing information at least comprises: at least one transaction message, the transaction message comprising at least: the transaction amount.

In this embodiment, the smart card refers to a transaction device at a payment end. It should be noted that, as an alternative implementation, the transaction terminal and the smart card may be smart card type transaction devices of the same model, that is, the smart card type transaction device may have both a payment function and a collection function. For convenience of explanation, in this embodiment, the smart card type transaction device is referred to as a smart card when used as a payment side, and is referred to as a transaction terminal when used as a payment side.

In this embodiment, the transaction information may also include other fields besides the transaction amount, such as the transaction time, identification information of the payer's smart card, identification information of the payee's transaction terminal, and so on.

As an optional implementation manner, in step S2, the background server screens the abnormal transactions from the transaction clearing information according to a preset algorithm, including: the background server judges whether the sum of the transaction amounts of all transaction information generated by the smart card to be transacted under the condition that the smart card is not connected with the background server is larger than the face value of the electronic cash stored by the background server, and if the sum of the transaction amounts of all transaction information generated under the condition that the smart card is not connected with the background server is larger than the face value of the electronic cash stored by the background server, the transaction clearing information is screened as abnormal transaction.

In this embodiment, after the smart card is disconnected from the background server, the smart card is called a to-be-transacted smart card, and the activity field information of each to-be-transacted smart card includes the transaction limit number.

In this embodiment, after a smart card completes an offline transaction within a limited number of times of the transaction, step S10 may be executed: the method comprises the steps that a to-be-transacted intelligent card is connected with a background server, transaction clearing information is generated according to all transaction information generated by the to-be-transacted intelligent card under the condition that the to-be-transacted intelligent card is not connected with the background server and electronic cash stored in the to-be-transacted intelligent card, and the transaction clearing information is sent to the background server. Therefore, the smart card to be transacted and the background server can complete the clearing of the electronic cash.

For example, the face value of electronic cash stored in a smart card a to be transacted (hereinafter referred to as a smart card a) is 100 yuan, and the transaction limit number of the smart card a is 3 times. The smart card a can continuously make 3 off-line electronic cash payments at most, and after 3 payments, a connection must be established with a background server and an electronic cash clearing process must be executed. The intelligent card A can record the balance of the card, and after each payment, the intelligent card A can deduct the transaction amount of the payment to complete the update of the current balance of the card. Under the condition that the intelligent card A is normally used, the sum of transaction amounts of continuous 3-time payment of the intelligent card A does not exceed 100 yuan. After 3 continuous payments and entering a clearing process, the transaction clearing information sent by the intelligent card A to the background server comprises 3 pieces of transaction information corresponding to the 3 continuous payments and electronic cash stored by the intelligent card A; and the background server calculates the transaction sum of the 3-time payment according to the received transaction sum of each piece of transaction information, and judges whether the transaction sum is greater than the face value of the electronic cash stored in the background server by 100 yuan. And if the sum of the transaction amount is more than 100 yuan, the background server screens the transaction clearing information into abnormal transactions, and adds the identification information of the intelligent card A into an offline transaction abnormal list of the intelligent card. Therefore, if the balance of the smart card A is tampered by a lawbreaker, the smart card A may have a situation that the sum of the transaction amounts of continuous 3-time payment is larger than 100 yuan, and at the moment, when the background server executes electronic cash clearing, the identification information of the smart card A is listed in an offline transaction exception list of the smart card, so that the smart card A cannot perform the next offline transaction, and the lawbreaker is effectively prevented from performing illegal consumption again.

As an alternative embodiment, after the background server receives the transaction clearing information from the at least one smart card and performs the electronic cash clearing, the method further comprises: the background server issues new electronic cash to an intelligent card; the smart card to be transacted receives new electronic cash, and the face value of the new electronic cash is added to the balance of the card.

For example, in the case where the smart card a is not classified as an abnormal transaction after the smart card a is cleared with electronic cash, the smart card a may acquire new electronic cash from a backend server. Specifically, after the smart card a includes 3 pieces of transaction information corresponding to the 3 payments and the electronic cash (100-dollar denomination) stored in the smart card a itself in the transaction settlement information sent to the backend server, the smart card a may delete the electronic cash stored in the smart card a itself, or the smart card a sets the electronic cash stored in the smart card a to unusable. After the background server executes the electronic cash clearing, the background server issues new electronic cash (200 yuan) to the smart card A. The smart card a receives and stores the new electronic cash and adds 200 dollars to its own current card balance.

As an optional implementation manner, the method provided in this embodiment further includes: the smart card to be traded sends an active field updating request to a background server; the background server sends an active field updating instruction to the smart card to be traded according to the active field updating request; and the smart card to be traded rewrites the activity field information according to the activity field updating instruction.

For example, after the smart card a continuously makes 3 payments, the remaining number of transactions in the activity field information is 0, and at this time, the smart card a cannot make the next offline transaction any more, and must establish a connection with the background server and perform electronic cash clearing. After establishing connection with the background server, the smart card a may send an active field update request to the background server, and receive an active field update instruction sent by the background server. The activity field updating instruction may include a new transaction limit number (e.g., 4), and after receiving the new transaction limit number, the smart card a adds the new transaction limit number to the remaining number of existing transactions, i.e., updates the transaction limit number to 4. Of course, if the smart card a makes two payments continuously, the remaining number of transactions in the active field information is 1, and at this time, the smart card a may also establish a connection with the background server to request the update of the active field. If the new transaction limit number included in the activity field updating instruction received by the smart card A is 4, the smart card A adds the new transaction limit number to the remaining number of the existing transactions, namely updates the transaction limit number to 5.

Thus, by limiting the number of transactions per smartcard, the user of the smartcard is forced to establish a connection with the server before the remaining number of transactions is 0, perform an electronic cash clearing and update the active field information, thereby avoiding security problems associated with long term offline usage of the smartcard. If the intelligent card has abnormal transactions, on one hand, when lawless persons falsify the balance of the card for illegal consumption, the background server can timely find the abnormal transactions, and the identification information of the intelligent card causing the abnormal transactions is listed in an offline transaction abnormal list of the intelligent card, so that the abnormal intelligent card is prevented from being reused. On the other hand, if a lawbreaker (payee) illegally swipes the smart card enclosing the electronic cash by using a transaction terminal such as a POS machine, the lawbreaker cannot swizzle the electronic cash many times after the remaining number of transactions of the smart card is 0 due to the limitation of the number of offline transactions of the paid smart card.

The following describes in detail an interaction flow between the smart card to be transacted and the transaction terminal to be transacted in the method provided by this embodiment:

in this embodiment, after the smart card is cleared by the electronic cash and the remaining transaction times of the smart card are not 0, the smart card may be used as a smart card to be transacted to perform offline transaction with a transaction terminal to be transacted. The offline transaction includes steps S3 to S9:

step S3: under the condition that the transaction terminal to be transacted is not connected with the background server, the transaction terminal to be transacted is connected with the intelligent card to be transacted, and electronic cash transaction application selection information is sent to the intelligent card to be transacted; wherein the electronic cash transaction application selection information at least includes: identification information of a transaction terminal to be transacted.

In this embodiment, the identification information of the transaction terminal to be transacted is the unique identification of the transaction terminal to be transacted, and may be an equipment serial number of the transaction terminal to be transacted. The electronic cash transaction application selection information may further include: an electronic cash transaction application activation instruction may be used to activate an application hosted on a smart card to be transacted.

Step S4: and under the condition that the smart card to be transacted is not connected with the background server, receiving the electronic cash transaction application selection information and determining that the electronic cash transaction application is activated.

Step S5: the method comprises the steps that a smart card to be traded generates a trading information acquisition request and sends the trading information acquisition request to a trading terminal to be traded; the transaction information acquisition request at least comprises active field information of the smart card to be transacted and identification information of the smart card to be transacted; the activity field information of the smart card to be transacted at least comprises: the remaining number of transactions of the smart card to be transacted.

In this embodiment, the identification information of the smart card to be transacted is the unique identification of the smart card to be transacted, and may be an equipment serial number of the smart card to be transacted. As an optional implementation, the activity field information of the smart card to be transacted may further include: tradeable time, tradeable currency code, tradeable credit, etc.

Step S6: and the transaction terminal to be transacted generates transaction information according to the transaction information acquisition request and sends the transaction information to the smart card to be transacted.

In this embodiment, the transaction information at least includes a transaction amount, and the transaction amount may be entered into the transaction terminal to be transacted by the payee, or may be acquired by the transaction terminal to be transacted in another manner. The transaction information may also include transaction time, identification information of the smart card to be transacted, identification information of the transaction terminal to be transacted, and the like.

Step S7-1: the method comprises the steps that a smart card to be traded detects whether identification information of a trading terminal to be traded is in a first offline trading abnormal list stored in the smart card; if the identification information of the transaction terminal to be transacted is in the first offline transaction exception list, executing step S7-3; if the identification information of the transaction terminal to be transacted is not in the first offline transaction exception list, executing step S7-2; the first offline transaction exception list is obtained and stored from the background server under the condition that the smart card to be transacted is connected with the background server.

In this embodiment, when the smart card to be transacted establishes a connection with the background server and executes electronic cash clearing or updates the active field, the smart card to be transacted may obtain and store the offline transaction exception list of the transaction terminal from the background server. As an optional implementation manner, since the transaction terminal may also be a smart card type transaction device with a payment function, when the transaction terminal to be transacted is used as a payment device, similar to an electronic cash clearing process of a smart card, when the transaction terminal to be transacted performs electronic cash clearing with the background server, if there is an abnormal transaction, the identification information of the transaction terminal to be transacted is added to the offline transaction abnormal list of the transaction terminal by the background server. Of course, the offline transaction exception list of the transaction terminal may further include identification information of the transaction terminal listed in other ways, for example, when the user is a distrusted person or there is illegal behavior, the background server may add the identification information of the transaction terminal under the user name to the offline transaction exception list of the transaction terminal, so as to refuse the user to use the transaction terminal again. Therefore, compared with the traditional bank blacklist mechanism (the traditional blacklist stores all the information of the card with problems such as inactive transaction records and abnormal transaction records), the data volume of the offline transaction abnormal list is greatly reduced compared with the traditional electronic transaction blacklist, and therefore the offline transaction abnormal list can be stored in the transaction equipment.

In addition, as an optional implementation manner, the offline transaction exception list of the transaction terminal and the offline transaction exception list of the smart card may be two independent lists respectively maintained by the background server, before offline transaction, the offline transaction exception list of the transaction terminal is obtained by the smart card to be transacted, and the offline transaction exception list of the smart card is obtained by the transaction terminal to be transacted. As another optional implementation, the background server may combine the offline transaction exception list of the transaction terminal and the offline transaction exception list of the smart card into an offline transaction exception list, and before the offline transaction, the smart card to be transacted and the transaction terminal to be transacted obtain the offline transaction exception list from the background server.

As an optional implementation manner, before performing step S7-1, the smart card to be transacted may also verify whether the transaction amount in the received transaction information is not greater than its own card balance; if the transaction amount is not larger than the card balance of the transaction amount, executing the step S7-1; if the transaction amount is greater than the card balance of the transaction amount, the process goes to step S7-3. Certainly, in practical application, the smart card to be transacted may have a function of prompting the card balance to the user, and the user may manually determine whether the card balance is sufficient for paying the transaction amount, and when the card balance is insufficient, the user does not use the smart card to be transacted for payment.

Step S7-2: the smart card to be transacted generates authentication passing information and transmits the authentication passing information to the transaction terminal to be transacted, and goes to step S8-1. Therefore, the smart card to be traded can confirm that the transaction terminal to be traded has not undergone abnormal transaction before and belongs to a credible transaction object by confirming that the identification information of the transaction terminal to be traded is not in the first offline transaction abnormal list.

Step S7-3: the smart card to be transacted terminates the transaction process. Therefore, the smart card to be traded can confirm that the transaction terminal to be traded has abnormal transactions before through confirming that the identification information of the transaction terminal to be traded is in the first offline transaction abnormal list, and belongs to an untrusted transaction object, the smart card to be traded can terminate the transaction process in time, and loss caused by the abnormal transactions is avoided.

Step S8-1: the transaction terminal to be transacted detects whether the identification information of the smart card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal to be transacted; if the identification information of the smart card to be transacted is in the second offline transaction exception list, executing step S8-4; if the identification information of the smart card to be transacted is not on the second offline transaction exception list, step S8-2 is performed. And the second offline transaction abnormal list is the intelligent card offline transaction abnormal list acquired and stored from the background server under the condition that the transaction terminal to be transacted is connected with the background server. In this embodiment, the mechanism for generating the offline transaction exception list of the smart card is described in detail in the description of step S2, and is not described herein again. Therefore, the transaction terminal to be transacted can confirm that the smart card to be transacted has not undergone abnormal transaction before and belongs to a credible transaction object by confirming that the identification information of the smart card to be transacted is not in the first offline transaction abnormal list.

Step S8-2: the transaction terminal to be transacted detects whether the active field information of the smart card to be transacted is in an effective state; if the activity field information of the smart card to be transacted is invalid, executing the step S8-4; and if the active field information of the smart card to be transacted is valid and the transaction terminal to be transacted receives the authentication passing information, executing the step 8-3.

Step S8-3: and the transaction terminal to be transacted generates a transaction instruction, sends the transaction instruction to the smart card and skips to step S9.

Step S8-4: and the transaction terminal to be transacted terminates the transaction process. Therefore, the intelligent terminal to be transacted can confirm that the intelligent card to be transacted has abnormal transaction before in the second offline transaction abnormal list by confirming that the identification information of the intelligent card to be transacted belongs to an untrusted transaction object, and the transaction terminal to be transacted can terminate the transaction flow in time, so that the loss caused by the abnormal transaction is avoided.

In this embodiment, the activity field information of the smart card to be transacted at least includes the remaining number of transactions, and the validity of the activity field information means that the remaining number of transactions is greater than 0. And when the transaction terminal to be transacted detects that the transaction remaining times in the received active field information is 0, judging that the active field information is invalid, and terminating the transaction process. As an optional implementation, the activity field information of the smart card to be transacted may further include: tradeable time, tradeable currency code, tradeable credit, etc. For example, the activity field information of the smart card B to be transacted (hereinafter referred to as smart card B) includes: the remaining number of trades is 2, the tradeable time is up to 20XX X months and X days, the tradeable currency code is RMB, and the tradeable amount is 50 yuan. And (4) after the transaction terminal to be transacted receives the active field information sent by the smart card B, executing step S8-2, namely judging whether the active field information of the smart card B is valid according to the acquired transaction information. Specifically, the transaction information acquired by the transaction terminal to be transacted at least includes: transaction time, transaction currency code, transaction amount. And if the transaction terminal to be transacted judges that the transaction remaining time is more than 0, and judges that the transaction time in the acquired transaction information is 20XX year, X month, X day, or before, the transaction currency code is RMB, and the transaction amount is not more than 50 yuan, judging that the activity field information of the intelligent card B is effective. If the transaction terminal to be transacted judges that any one of the transaction information is not in accordance with the active field information, the active field information of the intelligent card B is judged to be invalid, and the transaction process is terminated. Therefore, the transaction terminal to be transacted can verify whether the smart card B has abnormal transaction before, namely whether the smart card B belongs to a credible transaction object or not by verifying whether the active field information of the smart card B is valid or not, and can verify whether the transaction accords with the transaction limit of the smart card B or not, such as whether the transaction amount is within the transaction limit of the smart card B or not. Only when the activity field information of the intelligent card B is judged to be valid, the transaction is continued, so that the possibility of abnormal transaction is greatly reduced.

In this embodiment, the steps S7(S7-1 to S7-3) and S8(S8-1 to S8-4) do not limit the execution sequence, that is, when the method is implemented, the identification information of the transaction terminal to be transacted may be verified by the smart card to be transacted, and after the verification is passed, the identification information and the active field information of the smart card to be transacted may be verified by the transaction terminal to be transacted; the identification information and the active field information of the smart card to be transacted can be verified by the transaction terminal to be transacted, and after the verification is passed, the identification information of the transaction terminal to be transacted is verified by the smart card to be transacted; or, the identification information of the transaction terminal to be transacted can be verified by the intelligent card to be transacted, the identification information of the intelligent card to be transacted can be verified by the transaction terminal to be transacted and the active field information can be simultaneously verified, and the next step is executed after the verification of both parties is passed.

Step S9: and after the smart card to be traded receives the trading instruction, deducting the balance of the card according to the trading information and changing the active field information of the smart card to be traded.

In this embodiment, after mutual authentication between the smart card to be traded and the transaction terminal to be traded is passed, the smart card to be traded may receive a transaction instruction from the transaction terminal to be traded. After receiving the transaction instruction, the smart card to be transacted deducts the corresponding transaction amount from the balance of the card according to the transaction information received from the transaction terminal to be transacted when executing step S7, and changes the active field information of the smart card to be transacted. For example, taking a smart card C to be transacted (hereinafter referred to as a smart card C) as an example, the activity field information of the smart card C includes: the remaining number of transactions is 2 and the current card balance is 100 yuan. The transaction information corresponding to the transaction being executed by the smart card C includes: the transaction amount is 60 dollars. Then the smart card C executes step S9 specifically as: after receiving the transaction instruction, the smart card C updates the balance of the card to 40 yuan, and modifies the activity field information of the smart card C into: the remaining number of transactions is 1. Therefore, after each off-line transaction, the smart card to be transacted can immediately update the active field information and the card balance of the smart card, and a foundation is provided for the next off-line transaction or the electronic cash clearing with a background server.

Example 2

Fig. 2 is a schematic structural diagram of an offline transaction system based on electronic cash according to this embodiment, and the structure of the system according to this embodiment is now described in detail with reference to fig. 2:

the embodiment provides an off-line transaction system based on electronic cash, which comprises: a background server 10, a smart card 20 to be transacted and a transaction terminal 30 to be transacted.

In this embodiment, the background server 10 may be a bank server or a server of another financial platform; the smart card 20 to be transacted is a transaction device of the payment terminal; the transaction terminal 30 to be transacted is a transaction device at the receiving end, and may be a transaction device such as a mobile phone and a POS machine with an electronic cash offline transaction function, or may be a smart card type transaction device. The smart card 20 to be transacted can be connected with the background server 10 through network connection modes such as WIFI, and the transaction terminal 30 to be transacted can be connected with the background server 10 through network connection modes such as WIFI. The smart card 20 to be transacted and the transaction terminal 30 to be transacted can establish connection through communication modes such as Bluetooth, NFC and the like, and perform off-line electronic cash transaction. It should be noted that, as an alternative embodiment, the smart card 20 to be transacted and the transaction terminal 30 to be transacted are also smart card type transaction devices of the same model, that is, the smart card type transaction devices may have both payment function and collection function. For convenience of explanation, in this embodiment, the smart card type transaction device is referred to as a smart card when used as a payment side, and is referred to as a transaction terminal when used as a payment side.

In this embodiment, the background server 10 may be configured to filter abnormal transactions according to a preset algorithm, and list identification information of a transaction terminal that causes the abnormal transactions in an offline transaction abnormal list of the transaction terminal. A specific method of screening abnormal transactions will be described later in this embodiment.

In this embodiment, the background server 10 is configured to generate an offline transaction exception list of the transaction terminal; receiving transaction clearing information and executing electronic cash clearing; screening abnormal transactions from transaction clearing information according to a preset algorithm, and adding identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card; wherein each piece of transaction clearing information at least comprises: at least one transaction message, the transaction message comprising at least: the transaction amount.

As an optional implementation manner, the backend server 10 may further be configured to determine whether a sum of transaction amounts of all transaction information generated by the smart card 20 to be transacted without establishing a connection with the backend server 10 is greater than a face value of the electronic cash stored by itself, and if the sum of transaction amounts of all transaction information generated without establishing a connection with the backend server 10 is greater than the face value of the electronic cash stored by itself, the backend server 10 filters the transaction clearing information as an abnormal transaction.

In this embodiment, after the smart card is disconnected from the background server, the smart card is referred to as a to-be-transacted smart card 20, and the activity field information of each to-be-transacted smart card 20 includes the transaction limit number.

In this embodiment, after a smart card 20 to be transacted completes an offline transaction within a limited number of times of the transaction, the smart card 20 to be transacted may also be used to establish a connection with the background server 10, generate transaction clearing information according to all transaction information generated by the smart card 20 to be transacted without establishing a connection with the background server 10 and electronic cash stored in the smart card 20, and send the transaction clearing information to the background server 10. Thus, the smart card 20 to be transacted and the backend server 10 can complete the clearing of the electronic cash.

For example, the face value of electronic cash stored in a smart card a to be transacted (hereinafter referred to as a smart card a) is 100 yuan, and the transaction limit number of the smart card a is 3 times. The smart card a can continuously make up to 3 offline electronic cash payments, and after 3 payments, must establish a connection with the backend server 10 and perform an electronic cash clearing process. The intelligent card A can record the balance of the card, and after each payment, the intelligent card A can deduct the transaction amount of the payment to complete the update of the current balance of the card. Under the condition that the intelligent card A is normally used, the sum of transaction amounts of continuous 3-time payment of the intelligent card A does not exceed 100 yuan. After 3 continuous payments and entering a clearing process, the transaction clearing information sent by the smart card A to the background server 10 comprises 3 pieces of transaction information corresponding to the 3 continuous payments and electronic cash stored by the smart card A; the background server 10 calculates the sum of the transaction amounts of the 3 payments according to the transaction amount of each piece of received transaction information, and judges whether the sum of the transaction amounts is larger than the face value of the electronic cash stored in the background server by 100 yuan. If the sum of the transaction amount is larger than 100 yuan, the background server 10 filters the transaction clearing information as abnormal transactions, and adds the identification information of the intelligent card A into an offline transaction abnormal list of the intelligent card. Therefore, if the balance of the smart card A is tampered by a lawbreaker, the smart card A may have a situation that the sum of the transaction amounts of continuous 3-time payment is larger than 100 yuan, and at this time, when the background server 10 executes electronic cash clearing, the identification information of the smart card A is listed in an offline transaction exception list of the smart card, so that the smart card A cannot perform the next offline transaction, and the lawbreaker is effectively prevented from performing illegal consumption again.

As an alternative embodiment, the background server 10 is also used for issuing new electronic cash to a smart card after receiving transaction clearing information from at least one smart card and performing electronic cash clearing; the smart card 20 to be transacted is also used to receive new electronic cash, and the value of the new electronic cash is added to the balance of the card.

For example, in the case where the smart card a is not classified as an abnormal transaction after the smart card a is cleared with electronic cash, the smart card a may acquire new electronic cash from the backend server 10. Specifically, after the smart card a includes 3 pieces of transaction information corresponding to the 3 payments and the electronic cash (100-dollar denomination) stored in the smart card a itself in the transaction settlement information sent to the backend server 10, the smart card a may delete the electronic cash stored in the smart card a itself, or the smart card a may set the electronic cash stored in the smart card a to unusable. The background server 10 issues new electronic cash (200 dollar value) to the smart card a after performing electronic cash clearing. The smart card a receives and stores the new electronic cash and adds 200 dollars to its own current card balance.

As an alternative embodiment, the smart card 20 to be transacted is further configured to send an active field update request to the backend server 10; the background server 10 is further configured to send an active field update instruction to the smart card 20 to be transacted according to the active field update request; the smart card 20 to be transacted is also configured to overwrite the live field information according to the live field update instruction.

For example, after the smart card a continuously makes 3 payments, the remaining number of transactions in the activity field information is 0, and the smart card a cannot make the next offline transaction again, and must establish a connection with the background server 10 and perform the electronic cash clearing. After establishing a connection with the backend server 10, the smart card a may send an active field update request to the backend server 10, and receive an active field update instruction sent by the backend server 10. The activity field updating instruction may include a new transaction limit number (e.g., 4), and after receiving the new transaction limit number, the smart card a adds the new transaction limit number to the remaining number of existing transactions, i.e., updates the transaction limit number to 4. Of course, if the smart card a makes two payments consecutively, the remaining number of transactions in the active field information is 1, and the smart card a may also establish a connection with the background server 10 to request the update of the active field. If the new transaction limit number included in the activity field updating instruction received by the smart card A is 4, the smart card A adds the new transaction limit number to the remaining number of the existing transactions, namely updates the transaction limit number to 5.

Thus, by limiting the number of transactions per smartcard, the user of the smartcard is forced to establish a connection with the server before the remaining number of transactions is 0, perform an electronic cash clearing and update the active field information, thereby avoiding security problems associated with long term offline usage of the smartcard. If the smart card has abnormal transactions, on one hand, when lawless persons falsify the balance of the card for illegal consumption, the background server 10 can timely find the abnormal transactions, and the identification information of the smart card causing the abnormal transactions is listed in an offline transaction abnormal list of the smart card, so that the abnormal smart card is prevented from being reused. On the other hand, if a lawbreaker (payee) illegally swipes the smart card enclosing the electronic cash by using a transaction terminal such as a POS machine, the lawbreaker cannot swizzle the electronic cash many times after the remaining number of transactions of the smart card is 0 due to the limitation of the number of offline transactions of the paid smart card.

In this embodiment, the transaction terminal 30 to be transacted is configured to establish a connection with the smart card 20 to be transacted and send electronic cash transaction application selection information to the smart card 20 to be transacted, without establishing a connection with the background server 10; wherein the electronic cash transaction application selection information at least includes: identification information of the transaction terminal 30 to be transacted.

The identification information of the transaction terminal 30 to be transacted is the unique identification of the transaction terminal to be transacted, and may be the device serial number of the transaction terminal 30 to be transacted. The electronic cash transaction application selection information may further include: an electronic cash transaction application activation instruction may be used to activate an application hosted on a smart card to be transacted.

In this embodiment, the smart card 20 to be transacted is configured to receive the electronic cash transaction application selection information, determine that the electronic cash transaction application is activated, generate a transaction information obtaining request, and send the transaction information obtaining request to the transaction terminal 30 to be transacted, where the transaction information obtaining request at least includes the active field information of the smart card 20 to be transacted and the identification information of the smart card 20 to be transacted, without establishing a connection with the background server 10; the activity field information of the smart card 20 to be transacted at least includes: the remaining number of transactions of the smart card 20 to be transacted.

In this embodiment, the identification information of the smart card 20 to be transacted is the unique identification of the smart card to be transacted, and may be the device serial number of the smart card 20 to be transacted. As an alternative embodiment, the activity field information of the smart card 20 to be transacted may further include: tradeable time, tradeable currency code, tradeable credit, etc.

In this embodiment, the transaction terminal 30 to be transacted is further configured to generate transaction information according to the transaction information obtaining request, and send the transaction information to the smart card 20 to be transacted. As an optional implementation manner, the transaction information at least includes a transaction amount, which may be entered into the transaction terminal 30 to be transacted by the payee, or may be obtained by the transaction terminal 30 to be transacted by other means. The transaction information may also include the time of the transaction, identification information of the smart card 20 to be transacted, identification information of the transaction terminal 30 to be transacted, and the like.

In this embodiment, the smart card 20 to be transacted is further configured to detect whether the identification information of the transaction terminal 30 to be transacted is in a first offline transaction exception list stored in the smart card 20, where the first offline transaction exception list is a transaction terminal offline transaction exception list acquired and stored from the background server 10 when the smart card 20 to be transacted is connected to the background server 10; if the identification information of the transaction terminal 30 to be transacted is in the first offline transaction abnormal list, terminating the transaction process; if the identification information of the transaction terminal 30 to be transacted is not in the first offline transaction abnormal list, generating authentication passing information and sending the authentication passing information to the transaction terminal 30 to be transacted;

in this embodiment, when the smart card 20 to be transacted establishes a connection with the background server 10, executes electronic cash clearing or updates the active field, the smart card 20 to be transacted may be used for obtaining and storing the transaction terminal offline transaction exception list from the background server 10. As an alternative embodiment, since the transaction terminal 30 to be transacted may also be a smart card type transaction device with payment function, when the transaction terminal 30 to be transacted is used as a payment device, similar to the electronic cash clearing process of a smart card, when the transaction terminal 30 to be transacted performs electronic cash clearing with the background server 10, if there is an abnormal transaction, the identification information of the transaction terminal 30 to be transacted is added to the transaction terminal offline transaction abnormal list by the background server 10. Of course, the offline transaction exception list of the transaction terminal may further include identification information of the transaction terminal listed in other ways, for example, when the user is a distrusted person or there is illegal behavior, the background server 10 may add the identification information of the transaction terminal under the user name to the offline transaction exception list of the transaction terminal, so as to refuse the user to use the transaction terminal again. Therefore, compared with the traditional bank blacklist mechanism (the traditional blacklist stores all the information of the card with problems such as inactive transaction records and abnormal transaction records), the data volume of the offline transaction abnormal list is greatly reduced compared with the traditional electronic transaction blacklist, and therefore the offline transaction abnormal list can be stored in the transaction equipment.

In addition, as an alternative implementation manner, the offline transaction exception list of the transaction terminal and the offline transaction exception list of the smart card may be two independent lists respectively maintained by the background server 10, before the offline transaction, the smart card 20 to be transacted obtains the offline transaction exception list of the transaction terminal, and the transaction terminal 30 to be transacted obtains the offline transaction exception list of the smart card. As another alternative, the background server 10 may combine the offline transaction exception list of the transaction terminal and the offline transaction exception list of the smart card into an offline transaction exception list, and before the offline transaction, the smart card 20 to be transacted and the transaction terminal 30 to be transacted obtain the offline transaction exception list from the background server 10.

As an optional implementation, the smart card 20 to be transacted may also be configured to verify whether the transaction amount in the received transaction information is not greater than the card balance of the smart card; if the transaction amount is not larger than the card balance of the transaction amount, continuing to execute the transaction; and if the transaction amount is larger than the card balance of the transaction amount, terminating the transaction process. Of course, in practical applications, the smart card 20 to be transacted may have a function of prompting the card balance to the user, for example, the smart card 20 to be transacted may be provided with a display screen, and the card balance is displayed to the user through the display screen. The user can manually determine whether the card balance is sufficient to pay the transaction amount, and when the card balance is insufficient, the user does not pay by using the smart card 20 to be transacted.

Therefore, the smart card 20 to be transacted can confirm that the transaction terminal 30 to be transacted has not undergone abnormal transaction before and belongs to a credible transaction object by confirming that the identification information of the transaction terminal 30 to be transacted is not in the first offline transaction abnormal list; the smart card 20 to be traded can confirm that the transaction terminal 30 to be traded has been subjected to the abnormal transaction before by confirming that the identification information of the transaction terminal 30 to be traded is in the first offline transaction abnormal list, and belongs to an untrusted transaction object, and the smart card 20 to be traded can terminate the transaction process in time, so that the loss caused by the abnormal transaction is avoided.

In this embodiment, the transaction terminal 30 to be transacted is further configured to detect whether the identification information of the smart card 20 to be transacted is in a second offline transaction exception list stored in the transaction terminal 30, where the second offline transaction exception list is the smart card offline transaction exception list acquired from and stored in the background server 10 when the transaction terminal 30 to be transacted is connected to the background server 10; if the identification information of the smart card 20 to be transacted is in the second offline transaction abnormal list, terminating the transaction process; if the identification information of the smart card 20 to be traded is not in the second offline transaction exception list, detecting whether the active field information of the smart card 20 to be traded is in an effective state, and if the active field information of the smart card 20 to be traded is invalid, terminating the transaction process; if the active field information of the smart card 20 to be traded is valid and the transaction terminal 30 to be traded receives the authentication passing information, generating a transaction instruction and sending the transaction instruction to the smart card; wherein the activity field information of the smart card 20 to be transacted effectively includes: the remaining number of transactions is greater than 0.

Therefore, the transaction terminal 30 to be transacted can confirm that the smart card 20 to be transacted has not undergone abnormal transaction before and belongs to a credible transaction object by confirming that the identification information of the smart card 20 to be transacted is not in the first offline transaction abnormal list; and the identification information of the smart card to be transacted is confirmed in the second offline transaction abnormal list, so that the smart card 20 to be transacted can be confirmed to have abnormal transactions before, and belongs to an untrusted transaction object.

In this embodiment, the activity field information of the smart card 20 to be transacted at least includes the remaining number of transactions, and the validity of the activity field information means that the remaining number of transactions is greater than 0. When the transaction terminal 30 to be transacted detects that the remaining transaction frequency in the received active field information is 0, the active field information is determined to be invalid, and the transaction process is terminated. As an alternative embodiment, the activity field information of the smart card 20 to be transacted may further include: tradeable time, tradeable currency code, tradeable credit, etc. For example, the activity field information of the smart card B to be transacted (hereinafter referred to as smart card B) includes: the remaining number of trades is 2, the tradeable time is up to 20XX X months and X days, the tradeable currency code is RMB, and the tradeable amount is 50 yuan. After receiving the active field information sent by the smart card B, the transaction terminal 30 to be transacted judges whether the active field information of the smart card B is valid according to the acquired transaction information. Specifically, the transaction information acquired by the transaction terminal 30 to be transacted at least includes: transaction time, transaction currency code, transaction amount. If the transaction terminal 30 to be transacted judges that the transaction remaining time is more than 0, and judges that the transaction time in the acquired transaction information is 20XX year, X month, X day, and date or before, the transaction currency code is RMB, and the transaction amount is not more than 50 yuan, the activity field information of the smart card B is judged to be valid. If the transaction terminal 30 to be transacted judges that any one of the transaction information does not accord with the active field information, the active field information of the smart card B is judged to be invalid, and the transaction process is terminated. Therefore, the transaction terminal 30 to be transacted can verify whether the smart card B has undergone an abnormal transaction before, that is, whether the transaction belongs to a trusted transaction object, on the one hand, by verifying whether the active field information of the smart card B is valid, and on the other hand, can verify whether the transaction conforms to the transaction limit of the smart card B, for example, whether the transaction amount is within the transaction limit of the smart card B, and the like. Only when the activity field information of the intelligent card B is judged to be valid, the transaction is continued, so that the possibility of abnormal transaction is greatly reduced.

In this embodiment, the identification information of the transaction terminal 30 to be transacted may be verified by the smart card 20 to be transacted, and after the verification is passed, the identification information and the active field information of the smart card 20 to be transacted may be verified by the transaction terminal 30 to be transacted; or the identification information and the active field information of the smart card 20 to be transacted are verified by the transaction terminal 30 to be transacted, and after the verification is passed, the identification information of the transaction terminal 30 to be transacted is verified by the smart card 20 to be transacted; or, the verification of the identification information of the transaction terminal 30 to be transacted by the smart card 20 to be transacted, the verification of the identification information of the smart card 20 to be transacted by the transaction terminal 30 to be transacted and the verification of the active field information can be performed simultaneously, and after the verification of both parties is passed, the next transaction process is executed.

In this embodiment, the smart card 20 to be transacted is further configured to deduct a card balance and change active field information of the smart card 20 to be transacted according to the transaction information after receiving the transaction instruction; establishing connection with the background server 10, generating transaction clearing information according to all transaction information generated by the smart card 20 to be transacted without establishing connection with the background server 10 and electronic cash stored by the smart card, and sending the transaction clearing information to the background server 10.

In this embodiment, after the mutual authentication between the smart card 20 to be transacted and the transaction terminal 30 to be transacted is passed, the smart card 20 to be transacted is further configured to receive a transaction instruction from the transaction terminal 30 to be transacted. After receiving the transaction instruction, the smart card 20 to be transacted is further configured to deduct the corresponding transaction amount from the card balance of the smart card according to the received transaction information, and change the active field information of the smart card to be transacted. For example, taking a smart card C to be transacted (hereinafter referred to as a smart card C) as an example, the activity field information of the smart card C includes: the remaining number of transactions is 2 and the current card balance is 100 yuan. The transaction information corresponding to the transaction being executed by the smart card C includes: the transaction amount is 60 dollars. Then the smart card C executes step S9 specifically as: after receiving the transaction instruction, the smart card C updates the balance of the card to 40 yuan, and modifies the activity field information of the smart card C into: the remaining number of transactions is 1. Therefore, after each off-line transaction, the smart card to be transacted can immediately update the active field information and the card balance of the smart card, and a foundation is provided for the next off-line transaction or the electronic cash clearing with a background server.

In the offline transaction system based on electronic cash provided by this embodiment, the background server 10 lists the identification information of the transaction device (smart card or transaction terminal) having abnormal transactions in the offline transaction abnormal list according to the clearing condition of the past transactions, and the smart card 20 to be transacted and the transaction terminal 30 to be transacted respectively obtain the offline transaction abnormal list from the background server 10 before the transactions are performed, so as to provide the basis for identity authentication for the subsequent electronic cash transactions. Since the offline transaction exception list stores only the identification information of the transaction devices which are actively used and have undergone the exception transaction, the data amount of the offline transaction exception list is greatly reduced compared with the conventional electronic transaction blacklist (the blacklist stores all the information of the problem cards which are not activated and have illegal transaction records, etc.), and thus, the offline transaction exception list can be stored in the transaction devices. In addition, after the smart card 20 to be transacted and the transaction terminal 30 to be transacted verify that the opposite party is not in the off-line transaction exception list stored by the other party, the transaction terminal 30 to be transacted needs to verify whether the active field information of the smart card 20 to be transacted is in an effective state, for example, whether the remaining transaction frequency of the smart card 20 to be transacted is greater than zero, and the off-line transaction of the electronic cash can be completed only when the active field information of the smart card 20 to be transacted is in the effective state. Therefore, by limiting the number of off-line transactions, on one hand, if lawbreakers (payers) tamper with the balance of the card, namely, under the condition that the actual balance is insufficient, the lawbreakers can be effectively prevented from carrying out multiple illegal consumptions; on the other hand, if a lawbreaker (payee) uses a transaction terminal such as a POS machine to illegally swipe a card containing electronic cash, the lawbreaker cannot swipe the electronic cash several times due to the limitation of the number of times the payment card is transacted offline.

Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.

It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.

It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.

In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.

The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.

In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.

Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made in the above embodiments by those of ordinary skill in the art without departing from the principle and spirit of the present invention. The scope of the invention is defined by the appended claims and equivalents thereof.

Claims

1. An off-line transaction method based on electronic cash, comprising:

the background server generates an offline transaction exception list of the transaction terminal;

the background server receives transaction clearing information from at least one intelligent card and executes electronic cash clearing; wherein each of the transaction clearing information at least comprises: at least one transaction message, said transaction message comprising at least: a transaction amount;

the background server screens abnormal transactions from the transaction clearing information according to a preset algorithm, and adds identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card;

under the condition that the transaction terminal to be transacted is not connected with the background server, the transaction terminal to be transacted is connected with the intelligent card to be transacted, and electronic cash transaction application selection information is sent to the intelligent card to be transacted, wherein the electronic cash transaction application selection information at least comprises: identification information of the transaction terminal to be transacted;

under the condition that the smart card to be transacted is not connected with the background server, receiving the electronic cash transaction application selection information, determining the activation of the electronic cash transaction application, generating a transaction information acquisition request, and sending the transaction information acquisition request to the transaction terminal to be transacted, wherein the transaction information acquisition request at least comprises the active field information of the smart card to be transacted and the identification information of the smart card to be transacted; wherein the activity field information of the smart card to be transacted at least comprises: the transaction remaining times of the smart card to be transacted;

the transaction terminal to be transacted generates the transaction information according to the transaction information acquisition request and sends the transaction information to the smart card to be transacted;

the smart card to be transacted detects whether the identification information of the transaction terminal to be transacted is in a first offline transaction abnormal list stored in the smart card to be transacted, wherein the first offline transaction abnormal list is the transaction terminal offline transaction abnormal list obtained and stored from the background server under the condition that the smart card to be transacted is connected with the background server;

if the identification information of the transaction terminal to be transacted is in the first offline transaction abnormal list, terminating the transaction process;

if the identification information of the transaction terminal to be transacted is not in the first offline transaction abnormal list, generating authentication passing information and sending the authentication passing information to the transaction terminal to be transacted;

the transaction terminal to be transacted detects whether the identification information of the smart card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal to be transacted, wherein the second offline transaction abnormal list is the smart card offline transaction abnormal list acquired and stored from the background server under the condition that the transaction terminal to be transacted is connected with the background server;

if the identification information of the smart card to be transacted is in the second offline transaction abnormal list, terminating the transaction process;

if the identification information of the smart card to be transacted is not in a second offline transaction exception list, detecting whether the active field information of the smart card to be transacted is in an effective state, and if the active field information of the smart card to be transacted is invalid, terminating the transaction process; if the active field information of the smart card to be transacted is valid and the transaction terminal to be transacted receives the authentication passing information, generating a transaction instruction and sending the transaction instruction to the smart card; wherein the activity field information of the smart card to be transacted effectively comprises: the transaction remaining number is greater than 0;

after the smart card to be transacted receives the transaction instruction, deducting the balance of the card and changing the activity field information of the smart card to be transacted according to the transaction information;

the intelligent card to be transacted is connected with the background server, the transaction clearing information is generated according to all transaction information generated by the intelligent card to be transacted under the condition that the intelligent card to be transacted is not connected with the background server and the electronic cash stored in the intelligent card to be transacted, and the transaction clearing information is sent to the background server.

2. The method of claim 1, wherein:

the activity field information of the smart card to be transacted further comprises: tradeable time, tradeable currency code, tradeable credit, etc.

3. The method according to claim 1 or 2, characterized in that the method further comprises:

the smart card to be traded sends an active field updating request to a background server;

the background server sends an active field updating instruction to the smart card to be traded according to the active field updating request;

and the smart card to be traded rewrites the active field information according to the active field updating instruction.

4. The method according to claim 1 or 2, wherein the background server screens the transaction clearing information for abnormal transactions according to a preset algorithm, comprising:

the background server judges whether the sum of the transaction amounts of all transaction information generated by the smart card to be transacted under the condition of not establishing connection with the background server is larger than the face value of the electronic cash stored by the background server, and if the sum of the transaction amounts of all transaction information generated by the background server under the condition of not establishing connection is larger than the face value of the electronic cash stored by the background server, the transaction clearing information is screened as abnormal transaction.

5. The method of claim 1 or 2, wherein after the back-office server receives transaction clearing information from at least one smart card, performing electronic cash clearing, the method further comprises:

the background server issues new electronic cash to the smart card;

and the smart card to be transacted receives the new electronic cash, and the face value of the new electronic cash is added to the balance of the card.

6. An electronic cash-based off-line transaction system, the system comprising: the system comprises a background server, an intelligent card to be traded and a trading terminal to be traded;

the background server is used for generating an offline transaction exception list of the transaction terminal; receiving transaction clearing information and executing electronic cash clearing; screening abnormal transactions from the transaction clearing information according to a preset algorithm, and adding identification information of the smart card participating in the abnormal transactions into an offline transaction abnormal list of the smart card; wherein each of the transaction clearing information at least comprises: at least one transaction message, said transaction message comprising at least: a transaction amount;

the transaction terminal to be transacted is used for establishing connection with the intelligent card to be transacted under the condition that the connection with the background server is not established, and sending electronic cash transaction application selection information to the intelligent card to be transacted; wherein the electronic cash transaction application selection information at least comprises: identification information of the transaction terminal to be transacted;

the smart card to be transacted is used for receiving the electronic cash transaction application selection information, determining activation of the electronic cash transaction application, generating a transaction information acquisition request and sending the transaction information acquisition request to the transaction terminal to be transacted under the condition that the smart card to be transacted is not connected with the background server, wherein the transaction information acquisition request at least comprises active field information of the smart card to be transacted and identification information of the smart card to be transacted; wherein the activity field information of the smart card to be transacted at least comprises: the transaction remaining times of the smart card to be transacted;

the transaction terminal to be transacted is also used for generating the transaction information according to the transaction information acquisition request and sending the transaction information to the smart card to be transacted;

the smart card to be transacted is further configured to detect whether the identification information of the transaction terminal to be transacted is in a first offline transaction exception list stored in the smart card to be transacted, where the first offline transaction exception list is the transaction terminal offline transaction exception list acquired and stored from the background server when the smart card to be transacted is connected with the background server;

the transaction terminal to be transacted is further configured to detect whether the identification information of the smart card to be transacted is in a second offline transaction abnormal list stored in the transaction terminal to be transacted, where the second offline transaction abnormal list is the smart card offline transaction abnormal list acquired from the background server and stored in the background server when the transaction terminal to be transacted is connected with the background server;

the smart card to be transacted is also used for deducting the balance of the card and changing the active field information of the smart card to be transacted according to the transaction information after receiving the transaction instruction; and establishing connection with the background server, generating the transaction clearing information according to all transaction information generated by the smart card to be transacted under the condition of not establishing connection with the background server and the electronic cash stored in the smart card to be transacted, and sending the transaction clearing information to the background server.

7. The system of claim 6, wherein:

8. The system of claim 6 or 7,

the smart card to be traded is also used for sending an activity field updating request to a background server under the condition that the remaining transaction times in the activity field information are 0;

the background server is further used for sending an active field updating instruction to the smart card to be traded according to the active field updating request;

the smart card to be transacted is also used for rewriting the activity field information according to the activity field updating instruction.

9. The system of claim 6 or 7,

the background server is further configured to determine whether the sum of the transaction amounts of all the transaction information generated by the smart card to be transacted without establishing a connection with the background server is greater than the face value of the electronic cash stored in the background server, and if the sum of the transaction amounts of all the transaction information generated by the background server without establishing a connection is greater than the face value of the electronic cash stored in the background server, the transaction clearing information is screened as an abnormal transaction.

10. The system of claim 6 or 7,

the background server is also used for issuing new electronic cash to the smart card;

the smart card to be transacted is also used for receiving the new electronic cash, and adding the face value of the new electronic cash to the balance of the card.