WO2015101166A1

WO2015101166A1 - Method for detecting false card risk and transaction processing system for implementing same

Info

Publication number: WO2015101166A1
Application number: PCT/CN2014/093830
Authority: WO
Inventors: 钟国业; 吴金坛
Original assignee: 中国银联股份有限公司
Priority date: 2013-12-30
Filing date: 2014-12-15
Publication date: 2015-07-09
Also published as: CN104751566A; CN104751566B; HK1211943A1; TW201528171A; TWI621082B

Abstract

A method for detecting false card risk comprises the following steps: a receiving step (S201), a transaction processing system receiving from a transaction terminal the data associated with the transaction which a financial IC card requests to process; an abnormity judgment step (S202), the transaction processing system judging whether the transaction processed under the request is abnormal according to the data; a false card risk determination step (S204), the transaction processing system determining that the false card risk exists on the financial IC card if the financial IC card abnormal number is greater than a first threshold or the frequency of the transaction which the financial IC card requests to process is greater than a second threshold. The method can find false card risk timely and improve the probability and efficiency of the identification of a false card. A transaction processing system is also disclosed.

Description

Method for monitoring pseudo card risk and transaction processing system implementing the method

Technical field

The present invention relates to computer technology, and more particularly to a method of monitoring the risk of a fake card and a transaction processing system implementing the above method.

Background technique

With the popularization of financial IC cards, cases of cardholders’ funds being stolen by counterfeiting cards are increasing. Such cases not only cause losses to the cardholder, but also often lead to legal and economic disputes between the card issuer and the cardholder. Therefore, the importance of technically preventing counterfeit financial IC cards has become more prominent.

At present, there are generally two methods for judging the authenticity of a financial IC card, namely offline data authentication of the transaction terminal and online authentication of the issuing bank. In the former method, the transaction terminal will perform offline authentication of the card locally, and if the user's authentication information (such as a password or biological information such as a fingerprint and an iris) matches the data stored in the card, the authentication is passed. Otherwise, the transaction is terminated. In the latter method, the transaction terminal encrypts the user's authentication information and sends it to the remote transaction processing system. The transaction terminal continues to process further after receiving the authorization request ciphertext authentication of the transaction processing system. Otherwise, Terminate the transaction. However, if the forged financial IC card is cloned based on the personalized data in the card, the authentication mechanism based on the identity information may be invalid.

It can be seen that there is an urgent need to provide a method for monitoring the risk of pseudo-cards more accurately and timely to improve the risk prevention capability of pseudo-cards.

Summary of the invention

It is an object of the present invention to provide a method of monitoring the risk of a fake card that provides a technical basis for accurate and timely identification of a fake card.

A method of monitoring the risk of a fake card in accordance with an embodiment of the present invention includes the following steps:

a receiving step in which the transaction processing system receives data associated with the transaction processed by the financial IC card request from the transaction terminal;

An abnormality determining step, in which the transaction processing system determines whether the transaction requested to be processed is abnormal according to the data;

a pseudo card risk determining step, in which, if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if the frequency of the transaction requested by the financial IC card is greater than a second threshold, the transaction processing The system determines that there is a risk of a fake card in the financial IC card.

Preferably, in the above method for monitoring the risk of a fake card, the data includes an updated ATC value in the financial IC card, and the transaction processing system performs the abnormality determining step in the following manner: if the The updated ATC value is equal to the current ATC value stored by the transaction processing system, and it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of a fake card, the transaction is an online transaction, the data includes an updated online transaction ATC value in the financial IC card, and the transaction processing system executes the method in the following manner The abnormality determining step: if the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of a fake card, the data includes a card serial number corresponding to the financial IC card, and the transaction processing system performs the abnormality determining step in the following manner: if with a financial IC card If the corresponding card serial number does not have a matching record in the valid card serial number record stored in the transaction processing system, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of a fake card, the transaction is an online transaction, the data includes an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system is in the following manner Performing the abnormality determining step: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, determining the request processing The transaction was abnormal.

Preferably, in the above method for monitoring the risk of the fake card, the transaction is an offline transaction, and the data includes a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card. And the transaction processing system performs the abnormality determining step in the following manner: if the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the last online deposit, the transaction processing system returns The electronic cash offline consumption balance of the financial IC card determines that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of the fake card, the transaction is an offline transaction, The data includes a transaction amount corresponding to the transaction, and the transaction processing system performs the abnormality determination step in the following manner: if the transaction amount is greater than a current electronic cash offline consumption balance stored by the transaction processing system, Then, it is judged that the transaction requested to be processed is abnormal.

It is another object of the present invention to provide a transaction processing system that provides a technical basis for accurate and timely identification of a fake card.

A transaction processing system in accordance with one embodiment of the present invention includes:

a communication unit, configured to receive, from the transaction terminal, data associated with the transaction processed by the financial IC card request;

a storage unit, configured to store card data associated with the financial IC card;

An abnormality determining unit, configured to determine, according to the data, whether the transaction processed by the request is abnormal;

a pseudo card risk evaluation unit, configured to determine a pseudo card risk according to the following manner: if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if the frequency of the transaction requested by the financial IC card is greater than a second threshold, Then it is determined that the financial IC card has a risk of a fake card.

Preferably, in the above transaction processing system, the data includes an updated ATC value in the financial IC card, and the abnormality determining unit performs an abnormality determination in the following manner: if the updated ATC value is equal to the The current ATC value stored in the storage unit determines that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an online transaction, the data includes an updated online transaction ATC value in the financial IC card, and the abnormality determining unit performs an abnormality determination in the following manner: If the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the storage unit, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the data includes a card serial number corresponding to the financial IC card, and the abnormality determining unit performs abnormality determination in the following manner: if the card serial number corresponding to the financial IC card is If there is no matching record item in the valid card serial number record stored by the storage unit, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an online transaction, the data includes an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system performs the following manner Abnormal judgment step: if the updated electronic cash offline consumption balance is greater than the transaction processing system returned after the last online deposit When the electronic cash offline consumption balance of the financial IC card is returned, it is judged that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an offline transaction, and the data includes a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card, and The abnormality determining unit performs abnormality judgment in the following manner: if the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the last online deposit, the transaction processing system returns to the financial IC card If the electronic cash offline consumption balance is used, it is judged that the transaction processed by the request is abnormal.

Preferably, in the above transaction processing system, the transaction is an offline transaction, the data includes a transaction amount corresponding to the transaction, and the abnormality determining unit performs an abnormality determination in the following manner: if the transaction amount is greater than The current electronic cash offline consumption balance stored by the storage unit determines that the transaction requested to be processed is abnormal.

DRAWINGS

The above and other objects and advantages of the present invention will become more fully apparent from the Detailed Description

1 is a schematic diagram of a transaction processing system in accordance with one embodiment of the present invention.

2 is a flow chart of a method of monitoring the risk of a fake card in accordance with another embodiment of the present invention.

3 is a flow chart of an abnormality determination routine in the method of FIG. 2.

detailed description

The invention will now be described more fully hereinafter with reference to the accompanying drawings However, the invention may be embodied in different forms and should not be construed as limited to the various embodiments presented herein. The various embodiments described above are intended to be complete and complete, so that the understanding of the scope of the invention is more comprehensive and accurate.

The use of terms such as "including" and "comprises" or "comprises" or "comprises" or "comprising" or "comprises" The situation of the unit and the steps.

Terms such as "first" and "second" do not denote the order of the elements in terms of time, space, size, etc., but merely for distinguishing the units, and also have no limiting effect on the number of units.

According to an embodiment of the present invention, by analyzing the trading behavior pattern of the financial IC card Identify anomalous transactions and use a customizable set of event rules to determine the risk of the fake card, thereby taking appropriate action (such as generating a warning message, rejecting a transaction, or locking a card, etc.). Since the event rules can be customized and modified according to the application, the risk of the fake card can be monitored accurately and timely.

1 is a schematic diagram of a transaction processing system in accordance with one embodiment of the present invention. As shown in FIG. 1, the transaction processing system 10 according to the present embodiment includes a communication unit 110, a storage unit 120, an abnormality determination unit 130, and a pseudo-card risk evaluation unit 140, wherein the abnormality determination unit 130 and the communication unit 110 and the storage unit 120 The pseudo card risk evaluation unit 140 is connected to the communication unit 110, the storage unit 120, and the abnormality determining unit 130.

The communication unit 110 is connected to the remote transaction terminal 20 via a network, for example, which is in interactive communication with the transaction terminal 20. In a typical application scenario, when a user conducts a transaction at the transaction terminal 20, the transaction terminal 20 transmits data associated with the transaction requested by the financial IC card 30 to the communication unit 110. Such data includes, for example, but is not limited to, a card serial number of a financial IC card, a transaction certificate (TC), an application transaction counter (ATC) count value, a random number, dynamic signature data, a transaction amount, an electronic cash offline balance, and a card record. Any combination of these parameters, etc.

The storage unit 120 is for storing card data associated with the financial IC card.

The abnormality judging unit 130 parses the transaction data uploaded by the transaction terminal 20 via the communication unit 110 to determine whether the transaction is abnormal and reports the abnormality to the pseudo-card risk evaluation unit 140.

In this specification, an application transaction counter (ATC) refers to a counter for counting the number of transactions of a financial IC card, including online and offline transactions. Preferably, the financial IC card 30 is designed to configure the ATC, and the corresponding ATC is also configured for the financial IC card in the transaction processing system 10. By synchronously updating the two at the end of the transaction, the abnormality determining unit 130 can determine whether the transaction is abnormal based on the matching of the count values of the two. For example, it is assumed that the initial values of the ATC at the storage unit 120 of the financial IC card and the transaction processing system 10 are both 0. In the transaction process, the data transmitted by the transaction terminal 20 to the transaction processing system 10 is included in the financial IC card. The ATC value, at this time, the ATC value at the storage unit 10 has not been updated, and therefore should be smaller than the former. Once the abnormality determining unit 130 finds that the corresponding ATC value at the storage unit 120 is equal to the ATC value in the received data, it can be judged that the transaction is abnormal. In addition, for online transactions, it can also be gold The integrated IC card 30 is configured with a dedicated ATC (also referred to as an online transaction ATC), and correspondingly, an ATC (also referred to as a current online transaction ATC of the transaction processing system) corresponding to the online transaction ATC is also disposed in the storage unit 120. Thus, the abnormality determining unit 130 can find an abnormal transaction in the online transaction according to the matching of the count values of the two.

A unique card serial number will be assigned to each financial IC card for personalization. In the present embodiment, when the card serial number is included in the data uploaded by the transaction terminal 20 to the communication unit 110, the abnormality determining unit 130 can verify the financial IC by its matching with the record stored in the storage unit 120 in advance. Whether the card is legal and valid.

During the online inventory transaction, the transaction processing system 10 will return the electronic cash offline balance M of the card to the financial IC card after the online deposit. When the financial IC card is personalized, the electronic cash offline balance stored thereon and the online cash balance of the card after the online transaction of the transaction processing system 10 are generally set to take the same value. In the subsequent use, the electronic cash offline balance M returned by the transaction processing system 10 only changes with the amount of each online deposit transaction, that is, the electronic cash offline balance returned when the online deposit transaction is performed. M is updated to the sum of the inventory amount and the electronic cash offline balance uploaded by the inventory transaction.

In the present embodiment, the abnormality determining unit 130 may use the amount involved in the transaction process to determine whether a transaction abnormality has occurred. For example, for the offline transaction mode, when the transaction terminal 20 uploads the electronic cash offline consumption transaction amount and the electronic cash offline balance via the communication unit 110, if the sum of the two is greater than the last online deposit, the transaction processing system 10 returns The electronic cash offline balance M of the financial IC card, the abnormality determining unit 130 determines that a transaction abnormality has occurred and reports the pseudo-card risk evaluation unit 140. Or, for the online transaction mode, if the electronic cash offline balance uploaded by the transaction terminal 20 is greater than the electronic cash offline balance M returned by the transaction processing system 10 to the financial IC card after the last online deposit, the abnormality determining unit 130 determines that the transaction abnormality occurs. And the fake card risk evaluation unit 140 is reported.

When personalizing the financial IC chip, the electronic cash offline balance stored at the card is generally set to the same value as the current electronic cash offline consumption balance N stored at the storage unit 120. Subsequently, the current electronic cash offline consumption balance N varies with the amount of online inventory transactions and electronic cash offline consumption, and the update method is:

1) When a loop transaction occurs, the transaction processing system 10 updates the current electronic cash offline consumption balance N to the electronic cash offline balance returned to the card after each online deposit (ie, the electronic cash offline balance described above) M).

2) When the electronic cash offline consumption occurs, the transaction processing system 10 subtracts the transaction amount of the electronic cash offline consumption uploaded by the transaction terminal 20 with the current electronic cash offline consumption balance N and updates the stored value with the obtained difference value. Current electronic cash offline consumption balance N.

In this embodiment, for the offline transaction mode, whether the transaction abnormality occurs may be determined according to the electronic cash offline consumption transaction amount uploaded by the transaction terminal 20 and the current electronic cash offline consumption balance N stored at the transaction processing system 10. Specifically, if the electronic cash offline consumption transaction amount is greater than the current electronic cash offline consumption balance N, the abnormality determining unit 130 determines that a transaction abnormality occurs and reports the pseudo-card risk assessment unit 140.

For a financial IC card in which an abnormal transaction occurs, the pseudo-card risk evaluation unit 140 determines the pseudo-card risk according to the following manner:

1) if the number of abnormal transactions of a financial IC card is greater than the first threshold, it is determined that the financial IC card has a risk of a fake card; or

2) If the frequency of the transaction requested by the financial IC card is greater than the second threshold, it is determined that the financial IC card has a pseudo-card risk.

The first and second thresholds here can be flexibly adjusted according to the actual application. In addition, the frequency of the transaction can be characterized by the number of online transactions of the same financial IC card received by the transaction processing system 10 in a unit time interval, wherein the length T of the unit time interval can be flexibly set. When the transaction frequency is large, it is basically determined that there are multiple physical cards, and multiple transactions occur at the same time, so there is a large risk of pseudo-cards.

After the pseudo-card risk assessment unit 140 determines that there is a pseudo-card risk, the transaction processing system 10 may reject the transaction request of the transaction terminal 20, or at the same time as rejecting, by launching the lock application or locking the card issuer script to lock the card application Or the application is permanently disabled. In addition, an alert message may be generated for a financial IC card that has not been determined to have a risk of a fake card but an abnormal transaction has occurred.

2 is a flow chart of a method of monitoring the risk of a fake card in accordance with another embodiment of the present invention. Illustratively, it is assumed here that the structure of the transaction processing system shown in FIG. 1 is employed, but it will be appreciated from the following description that the method of the present embodiment does not depend on a specific structure.

As shown in FIG. 2, in step S201, the communication unit 110 of the transaction processing system 10 receives data associated with the transaction requested by the financial IC card 30 from the transaction terminal 20. As described above, these data include, for example, but are not limited to, a card serial number of a financial IC card, a transaction certificate (TC), an application transaction counter (ATC) count value, a random number, and a dynamic signature number. According to the transaction amount, electronic cash offline balance and card records, and any combination of these parameters.

Next, the process proceeds to step S202 or the abnormality transaction determination routine, and the abnormality determination unit 130 determines whether the transaction is abnormal based on the data abnormality associated with the transaction requested by the financial IC card 30. The specific flow of the abnormal transaction judgment will be described in detail below with reference to FIG.

If it is determined that a transaction abnormality has occurred, the process proceeds to step S203, and the abnormality determining unit 130 reports the financial IC card 30 in which the transaction abnormality occurs to the pseudo-card risk assessment unit 140, and otherwise proceeds to the normal business process.

Next, proceeding to step S204, the pseudo-card risk assessment unit 140 evaluates the pseudo-card risk of the card in which the abnormal transaction occurs, and generates a corresponding risk assessment report, in accordance with the manner described above, so that the transaction processing system 10 can This takes corresponding measures, including, but not limited to, rejecting the transaction request, locking the card application or permanently invalidating the application, and generating an alert message.

As shown in FIG. 3, the process proceeds to step S301. The abnormality determining unit 130 determines whether the ATC value uploaded by the transaction terminal 20 is equal to the corresponding ATC value stored at the storage unit 120. If they are equal, it is determined that the transaction is abnormal and proceeds to step S203, otherwise Then, the process proceeds to step S302.

In step S302, the abnormality determining unit 130 determines whether the data uploaded by the transaction terminal 20 contains the card serial number, and if so, proceeds to step S303, otherwise proceeds to step S304.

In step S303, the abnormality determining unit 130 determines whether the storage unit 120 has a record matching the card serial number uploaded by the transaction terminal 20, and if so, determines that the financial IC card is legally valid and proceeds to step S304, otherwise, proceeds to step S203.

In step S304, the abnormality determining unit 130 determines whether the transaction requested to be processed is the electronic cash offline consumption mode, and if so, proceeds to step S305, otherwise proceeds to step S306.

In step S305, the abnormality determining unit 130 determines whether the sum of the electronic cash offline consumption transaction amount and the electronic cash offline balance uploaded by the transaction terminal 20 is greater than the electronic cash withdrawal of the transaction processing system 10 returned to the financial IC card after the last online registration. The machine balance M, if yes, determines that the transaction is abnormal and proceeds to step S203, otherwise, proceeds to step S307.

In step S307, the abnormality determining unit 130 determines whether the electronic cash offline consumption transaction amount uploaded by the transaction terminal 20 is greater than the current electronic cash offline consumption balance N stored at the storage unit 120, and if so, determines that the transaction is abnormal and proceeds to step S203. Otherwise, then Transfer to normal business processes.

Referring to FIG. 3, in another branching step S306 of step S304, the abnormality determining unit 130 determines whether the online transaction ATC value uploaded by the transaction terminal 20 is greater than the corresponding current online transaction ATC value stored at the storage unit 120, and if it is greater than, enters Step S308, otherwise, it is judged that the transaction is abnormal and proceeds to step S203.

At step S308. The abnormality determining unit 130 determines whether the electronic cash offline balance is included in the data uploaded by the transaction terminal 20. If yes, the process proceeds to step S309, otherwise, the normal business process is transferred.

In step S309, the abnormality determining unit 130 determines that the electronic cash offline balance uploaded by the transaction terminal 20 is greater than the electronic cash offline balance M returned by the transaction processing system 10 to the financial IC card stored in the last online storage after the storage unit 120. If it is greater, it is judged that the transaction is abnormal and proceeds to step S203, otherwise, it is transferred to the normal business process.

Embodiments in accordance with the present invention have the following advantages.

As a supplement to the original risk control measures of the transaction processing system, it can help the issuing bank to detect the risk of the fake card in advance.

The issuing bank can use the system to determine the risk of the fake card in real time or afterwards according to the actual situation and can improve the probability and efficiency of identifying the fake card.

In determining the risk of a fake card or discovering a transaction anomaly, the transaction processing system can take various measures to prevent the risk from spreading.

The present invention has been described by way of example only and not by way of limitation. The scope of the invention is defined by the appended claims, and various changes and modifications may be made in the scope of the appended claims.

Claims

A method for monitoring the risk of a fake card, comprising the steps of:

a receiving step in which the transaction processing system receives data associated with the transaction processed by the financial IC card request from the transaction terminal;

An abnormality determining step, in which the transaction processing system determines whether the transaction requested to be processed is abnormal according to the data;

a pseudo card risk determining step, in which, if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if the frequency of the transaction requested by the financial IC card is greater than a second threshold, the transaction processing The system determines that there is a risk of a fake card in the financial IC card.
A method of monitoring a risk of a fake card according to claim 1, wherein said data includes an updated ATC value in said financial IC card, and said transaction processing system performs said abnormality determining step in the following manner: The updated ATC value is equal to the current ATC value stored by the transaction processing system, and then it is determined that the transaction requested to be processed is abnormal.
A method of monitoring the risk of a fake card according to claim 1, wherein said transaction is an online transaction, said data comprising an updated online transaction ATC value in said financial IC card, and said transaction processing system is as follows The method performs the abnormality determining step: if the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal.
A method of monitoring a risk of a fake card according to claim 1, wherein said data includes a card serial number corresponding to said financial IC card, and said transaction processing system performs said abnormality determining step in the following manner: if If the card serial number corresponding to the financial IC card does not have a matching record in the valid card serial number record stored in the transaction processing system, it is determined that the transaction requested to be processed is abnormal.
A method of monitoring a risk of a fake card according to claim 1, wherein said transaction is an online transaction, said data comprising an updated electronic cash offline consumption balance in said financial IC card, and said transaction processing system Performing the abnormality determining step according to the following manner: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, It is judged that the transaction processed by the request is abnormal.
A method of monitoring the risk of a fake card as claimed in claim 1 wherein said transaction is Offline transaction, the data including a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system performs the abnormality determination step in the following manner: If the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, determining the request processing The transaction was abnormal.
A method of monitoring a risk of a fake card according to claim 1, wherein said transaction is an offline transaction, said data includes a transaction amount corresponding to said transaction, and said transaction processing system executes said abnormality in the following manner Judgment step: if the transaction amount is greater than the current electronic cash offline consumption balance stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal.
A transaction processing system, comprising:

a communication unit, configured to receive, from the transaction terminal, data associated with the transaction processed by the financial IC card request;

a storage unit, configured to store card data associated with the financial IC card;

An abnormality determining unit, configured to determine, according to the data, whether the transaction processed by the request is abnormal;

a pseudo card risk evaluation unit, configured to determine a pseudo card risk according to the following manner: if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if the frequency of the transaction requested by the financial IC card is greater than a second threshold, Then it is determined that the financial IC card has a risk of a fake card.
The transaction processing system according to claim 8, wherein said data includes an updated ATC value in said financial IC card, and said abnormality determining unit performs abnormality determination in the following manner: if said updated ATC value If it is equal to the current ATC value stored by the storage unit, it is judged that the transaction requested to be processed is abnormal.
The transaction processing system according to claim 8, wherein said transaction is an online transaction, said data includes an updated online transaction ATC value in said financial IC card, and said abnormality determining unit performs an abnormality in the following manner Judging: if the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the storage unit, it is determined that the transaction requested to be processed is abnormal.
The transaction processing system according to claim 8, wherein said data includes a card serial number corresponding to said financial IC card, and said abnormality determining unit performs abnormality determination in the following manner: if a card corresponding to the financial IC card Serial number in the storage unit If there is no matching record item in the stored valid card serial number record, it is judged that the transaction processed by the request is abnormal.
The transaction processing system according to claim 8, wherein said transaction is an online transaction, said data includes an updated electronic cash offline consumption balance in said financial IC card, and said transaction processing system is in the following manner Performing the abnormality determining step: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, determining the request processing The transaction was abnormal.
A transaction processing system according to claim 8, wherein said transaction is an offline transaction, said data including a transaction amount corresponding to said transaction and an updated electronic cash offline consumption balance in said financial IC card And the abnormality judging unit performs an abnormality judgment in the following manner: if the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the last online deposit, the transaction processing system returns to the financial If the IC card's electronic cash offline consumption balance is used, it is judged that the transaction processed by the request is abnormal.
The transaction processing system according to claim 8, wherein said transaction is an offline transaction, said data includes a transaction amount corresponding to said transaction, and said abnormality determining unit performs abnormality determination in the following manner: if said If the transaction amount is greater than the current electronic cash offline consumption balance stored in the storage unit, it is determined that the transaction requested to be processed is abnormal.