CN101458844A - Method for implementing transaction data redundancy backup by POS terminals - Google Patents
Method for implementing transaction data redundancy backup by POS terminals Download PDFInfo
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- CN101458844A CN101458844A CNA2007101720921A CN200710172092A CN101458844A CN 101458844 A CN101458844 A CN 101458844A CN A2007101720921 A CNA2007101720921 A CN A2007101720921A CN 200710172092 A CN200710172092 A CN 200710172092A CN 101458844 A CN101458844 A CN 101458844A
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Abstract
The invention provides a method for using POS terminal to realize trade data redundancy backup, comprising: 1, initializing to build a redundancy data backup area on an IC card; 2, when the IC card trades on a POS terminal, reading the last redundancy backup data in the redundancy data backup area on the IC card by the POS terminal; 3, checking the effectiveness of the last redundancy backup data by the POS terminal, when the data is effective, entering into the step 4, or else, entering into the step 5; 4, storing the last redundancy backup data read from the IC card by the POS terminal; 5, writing the last trade data of the terminal into the redundancy data backup area of the IC card by the POS terminal; 6, judging if needs submission, when not needs, returning to the step 2; 7, uploading the information containing the last redundancy backup data and trade log to a bank computer system by the POS terminal.
Description
Technical field
The present invention relates to the method for a kind of transaction data backup in the bank finance application, especially relate to the method that a kind of transaction data that the POS terminal is produced by IC-card backs up.
Background technology
The POS terminal generally means the POS system that bank finance is used, and it is to be arranged on the credit card authorization terminating machine of commercial network or franchised business and bank computer system by the online electronic transfer service system that constitutes of Public Switched Data Network by bank.Its function provides the holder in point of sale shopping or consumption, directly detains the service of account or credit record keeping by electronic fund transfer system.In the present invention, the POS terminal refers to meet " China's finance integrated circuit (IC) calliper model (V2.0) " (hereinafter to be referred as the PBOC standard), can operate the terminating machine of IC-card.The PBOC standard is the standard that financial IC card payment is used, and design, development and the use of financial IC card and application system thereof had comparatively perfect regulation.
At present, the POS terminal is whenever finished a transaction, all will preserve these transaction data in the nonvolatile memory in the POS terminal.After closing the transaction in a day, the operator rolls account, and the POS terminal transmits the transaction details accounts on the same day to bank computer system, uses for clearance and clearing.
This contra account is easy to generate a problem: before rolling account, if since nature or artificial factor cause the POS terminal to be damaged, perhaps the POS terminal can not be networked with bank computer system, the detailed accounts that all will cause the POS terminal to be preserved can not be sent to bank computer system, thereby incurs loss through delay settlement on account and clearing between bank and trade company.And if adopt artificial nucleus's purpose method of checking account, obviously waste time and energy again, and make mistakes easily.The POS terminal that has takes to preserve at terminal inner the method for many parts of transaction details accounts, and this method to a certain degree can reduce the problem that causes the accounts loss of data because of the POS terminal fault, but can not fundamentally solve the said problem in front.
The reason that problem analysis produces can be found, its key is the storage of trading account data single-point, and promptly every POS terminal is only preserved the transaction data that this terminal produces, and has only a network path between every POS terminal and bank computer system.Like this, in case this terminal breaks down, perhaps because external cause can not be networked, the trading account data of POS terminal all can not send bank computer system to.
At present, in international and domestic bank finance was used, replacing traditional magnetic stripe card with reliability and safe IC-card had become a common recognition.Employed IC-card was a kind of CPU card during bank finance was used, and not only possesses arithmetic capability, and many application functions are arranged, and promptly can store a plurality of application on a card, and isolated mutually between using, and is safe.
Summary of the invention
At the problems referred to above, this proposes a kind of transaction data redundancy backup method, and this method is intended to overcome the storage of trading account data single-point and the problem that causes.
The transaction data redundancy backup mechanism that the present invention is designed just is being based on the characteristics of using IC-card more and is realizing.The basic thought of this mechanism is to utilize IC-card to have the advantages that to move with the user, and IC-card is used as storer, and distributed mobile memory system of the common formation of IC-card that the user holds and POS terminal; The trading account data of POS terminal can flow in this distributed mobile memory system, thereby produce a plurality of backups; Owing between every POS terminal and bank computer system network path is arranged all, thereby a plurality of backups of same transaction data can pass to bank computer system from multiple spot.
In order to realize the foregoing invention purpose, the present invention has adopted following technical scheme, a kind of method of utilizing the POS terminal to realize transaction data redundancy backup, and described method comprises: step 1, the redundant copies of data district is set up in initialization on IC-card; Step 2, when described IC-card was concluded the business on the POS terminal, described POS terminal read in the above redundant copies of data district of described IC-card last time redundancy backup data; Step 3, described POS terminal is checked the validity of described last time redundancy backup data, if effectively, enter step 4, the invalid step 5 that then enters; Step 4, described POS terminal are preserved the last time redundancy backup data that read in the described IC-card; Step 5, described POS terminal write the last transaction data of this terminal in the redundant copies of data district of described IC-card; Step 6 need to judge whether to submit to? if not, return step 2; Step 7, described POS terminal are uploaded the information that comprises redundancy backup data last time and transaction log and are given bank computer system.
Reasonable is that described redundancy backup data and last transaction data comprise: card issuer sign, IC-card application sequence number, system definition type of transaction, terminating machine numbering, terminal transaction sequence number, offline transaction sequence number, dealing money, trade date, exchange hour, transaction verification sign indicating number.
Reasonable is that in the described step 5, described POS terminal writes these transaction data in the redundant copies of data district of described IC-card in the safe packet mode after the last transaction data of reading terminals.
Reasonable is that described safe packet mode is to use the application cipher key calculation in proprietary backup district to contain the MAC sign indicating number of the APDU message of new redundancy backup data.
Reasonablely be, described step 7 further comprises, described bank computer system judges according to IC-card application sequence number, terminating machine numbering, terminal transaction sequence number, IC-card offline transaction sequence number whether described redundancy backup data repeat, if repeat, does not then enter this system.
Reasonable is that in the described step 3, described POS terminal is judged validity according to the value of the effective marker field of described redundancy backup data.
Description of drawings
Below, with reference to accompanying drawing, for those skilled in the art that, from the detailed description to the inventive method, above-mentioned and other purposes of the present invention, feature and advantage will be apparent.
Fig. 1 is a broad schematic of the present invention.
Fig. 2 realizes a process flow diagram of the present invention.
Embodiment
Fig. 1 has illustrated a system chart of being made up of POS1, POS2 and Net silver system 3, wherein a specific user adopts IC-card 10 to conclude the business on POS1, in the time of can striding again afterwards conclude the business on POS2 in the span space, for the first time after the transaction, POS1 can read Backup Data in this machine and the IC-card 10, gives Net silver system 3, for the second time after the transaction, POS2 reads the Backup Data in this machine and the IC-card 10, send Net silver system 3.In each process of exchange, IC-card 10 also will write the redundant daily record on this POS machine simultaneously.Be actually the transaction data that carries the POS machine by IC-card, in other words, the IC-card that is about to the user uses as a mobile USB flash disk, when waiting to do the next record transaction, relevant information is handed over next POS machine storage.
Introduce the implementation procedure of this method in detail below in conjunction with Fig. 2.
Field and relevant information thereof that these redundancy backup data comprise have been provided in the following table.
| Field name | Form | Length | Explanation |
| Effective marker | Uchar | 1 | A5 (sexadecimal): effectively; Other: invalid |
| Card issuer's sign | BCD | 8 | |
| IC-card application sequence number | BCD | 10 | |
| The system definition type of transaction | Uchar | 1 | Refer to ordinary consumption/cellular telephone rate etc. |
| Terminating machine numbering (PSAM) | BCD | 6 | |
| Terminal transaction sequence number (PSAM) | UINT | 4 | |
| The offline transaction sequence number | USHORT | 2 | |
| Dealing money | UINT | 4 | |
| Trade date (terminal) | BCD | 4 | Example: 20070709, represent on July 9th, 2007 |
| Exchange hour (terminal) | BCD | 3 | Example: 162345, represent 16: 23: 45 |
| The transaction verification sign indicating number | UINT | 4 |
What need further specify is, to the POS terminal,, when writing Backup Data, adopts IC-card the safe packet mode of PBOC standard defined for guaranteeing the safety of IC-card and Backup Data, this mode will be encrypted and verification data, to prevent that data are destroyed or to distort; Specifically, Backup Data comprises the transaction verification sign indicating number that can not forge; According to the regulation of PBOC standard to the payment transaction flow process, IC-card uses internal key that the element of transaction data of key are encrypted, and generates the transaction verification sign indicating number; In addition, the security mechanism that IC-card itself possesses guarantees to isolate mutually between each application, therefore can not have influence on the financial application of IC-card to the operation of IC-card back-up application;
Step 26, the POS terminal is carried out the financial payment transaction flow according to the PBOC standard;
The application of the transaction data redundancy backup mechanism that adopts among the present invention, be based upon use on the IC-card basis more, and the characteristics of utilizing IC-card to move with the user, transaction data is carried out multi-point backup storage, thereby solve transaction data single-point storage mode causes loss of data or can not transmit to bank computer system under failure condition problem.Simultaneously, the not influence of security that this mechanism is used the IC-card bank finance, because a plurality of application of storing on the CPU card are isolated mutually, transaction that certain carries out on using or operation and other are used irrelevant.
According to the regulation of PBOC standard, IC-card will be preserved nearest 10 transaction records at least.When each transaction is finished, IC-card will be preserved these transaction records, and its content mainly comprises transaction sequence number, dealing money, date and time etc.These transaction records are preserved voluntarily by IC-card, and can only be read by external system, can not revise.The transaction data redundancy backup mechanism of the present invention's design is that the useful of PBOC standard replenished, be embodied in following two aspects: the one, the transaction data that the PBOC regulation and stipulation is preserved can not use as Backup Data, because these transaction data do not contain the transaction verification sign indicating number, though these transaction data cannot be modified in card inside, but after can not guaranteeing to read in card, these data are not modified; The 2nd, the transaction that recording card is carried out self of the transaction data of card inside, narrow range has bigger limitation.
For existing POS system, using transaction data redundancy backup mechanism can have 2 improvement: at first, the transaction data of POS system has the storage backup of a plurality of separation, has reduced the risk of system; Secondly, a plurality of backups of same transaction data can pass to bank computer system (referring to Fig. 2) from multiple spot, effectively avoid problem former because of network line thereby that cause data not upload.
The front provides the description to preferred embodiment, so that any technician in this area can use or utilize the present invention.Various modifications to these embodiment are conspicuous to those skilled in the art, can be applied to other embodiment to total principle described here and not use creativeness.Thereby, the embodiment shown in the present invention will be not limited to here, and the wide region of principle that should disclose and new feature according to meeting here.
Claims (6)
1, a kind of method of utilizing the POS terminal to realize transaction data redundancy backup, described method comprises:
Step 1, the redundant copies of data district is set up in initialization on IC-card;
Step 2, when described IC-card was concluded the business on the POS terminal, described POS terminal read in the above redundant copies of data district of described IC-card last time redundancy backup data;
Step 3, described POS terminal is checked the validity of described last time redundancy backup data, if effectively, enter step 4, the invalid step 5 that then enters;
Step 4, described POS terminal are preserved the last time redundancy backup data that read in the described IC-card;
Step 5, described POS terminal write the last transaction data of this terminal in the redundant copies of data district of described IC-card;
Step 6 need to judge whether to submit to? if not, return step 2;
Step 7, described POS terminal are uploaded the information that comprises redundancy backup data last time and transaction log and are given bank computer system.
2, the method for utilizing the POS terminal to realize transaction data redundancy backup according to claim 1 is characterized in that,
Described redundancy backup data and last transaction data comprise: card issuer sign, IC-card application sequence number, system definition type of transaction, terminating machine numbering, terminal transaction sequence number, offline transaction sequence number, dealing money, trade date, exchange hour, transaction verification sign indicating number.
3, the method for utilizing the POS terminal to realize transaction data redundancy backup according to claim 1 and 2 is characterized in that,
In the described step 5, described POS terminal writes these transaction data in the redundant copies of data district of described IC-card in the safe packet mode after the last transaction data of reading terminals.
4, the method for utilizing the POS terminal to realize transaction data redundancy backup according to claim 3 is characterized in that,
Described safe packet mode is to use the application cipher key calculation in proprietary backup district to contain the MAC sign indicating number of the APDU message of new redundancy backup data.
5, the method for utilizing the POS terminal to realize transaction data redundancy backup according to claim 4 is characterized in that,
Described step 7 further comprises, described bank computer system judges according to IC-card application sequence number, terminating machine numbering, terminal transaction sequence number, IC-card offline transaction sequence number whether described redundancy backup data repeat, if repeat, does not then enter this system.
6, the method for utilizing the POS terminal to realize transaction data redundancy backup according to claim 5 is characterized in that,
In the described step 3, described POS terminal is judged validity according to the value of the effective marker field of described redundancy backup data.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2007101720921A CN101458844B (en) | 2007-12-11 | 2007-12-11 | Method for implementing transaction data redundancy backup by POS terminals |
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| CN2007101720921A CN101458844B (en) | 2007-12-11 | 2007-12-11 | Method for implementing transaction data redundancy backup by POS terminals |
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| CN101458844A true CN101458844A (en) | 2009-06-17 |
| CN101458844B CN101458844B (en) | 2010-09-29 |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102096779A (en) * | 2009-12-14 | 2011-06-15 | 精工爱普生株式会社 | Electronic apparatus and method of controlling electronic apparatus |
| CN102419721A (en) * | 2011-09-28 | 2012-04-18 | 山东神思电子技术股份有限公司 | Method for scatter storing, centralized backing up and restoring metro card consumption data |
| CN104572352A (en) * | 2015-01-12 | 2015-04-29 | 福建升腾资讯有限公司 | POS terminal key data backup recovery method |
| CN105741104A (en) * | 2016-01-25 | 2016-07-06 | 恒宝股份有限公司 | Offline transaction apparatus and method based on offline transaction apparatus |
| CN111935158A (en) * | 2020-08-12 | 2020-11-13 | 盐城工学院 | Financial data management method of remote network consumption system |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1284683A (en) * | 1999-08-11 | 2001-02-21 | 国际商业机器中国有限公司 | Method and system of integrating kernel business of bank |
| CN100424687C (en) * | 2004-06-18 | 2008-10-08 | 中国建设银行股份有限公司 | On-line processing system and method based on network |
| CN1949278A (en) * | 2005-10-11 | 2007-04-18 | 上海华虹集成电路有限责任公司 | Contactless smart card wallet operating method |
-
2007
- 2007-12-11 CN CN2007101720921A patent/CN101458844B/en not_active Expired - Fee Related
Cited By (10)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102096779A (en) * | 2009-12-14 | 2011-06-15 | 精工爱普生株式会社 | Electronic apparatus and method of controlling electronic apparatus |
| CN102096779B (en) * | 2009-12-14 | 2015-08-26 | 精工爱普生株式会社 | The control method of electronic equipment and electronic equipment |
| CN102419721A (en) * | 2011-09-28 | 2012-04-18 | 山东神思电子技术股份有限公司 | Method for scatter storing, centralized backing up and restoring metro card consumption data |
| CN102419721B (en) * | 2011-09-28 | 2015-09-16 | 山东神思电子技术股份有限公司 | The dispersion of all-purpose card consumption data stores, the method for centralized backup and recovery |
| CN104572352A (en) * | 2015-01-12 | 2015-04-29 | 福建升腾资讯有限公司 | POS terminal key data backup recovery method |
| CN104572352B (en) * | 2015-01-12 | 2018-02-23 | 福建升腾资讯有限公司 | A kind of POS terminal critical data back-up restoring method |
| CN105741104A (en) * | 2016-01-25 | 2016-07-06 | 恒宝股份有限公司 | Offline transaction apparatus and method based on offline transaction apparatus |
| CN105741104B (en) * | 2016-01-25 | 2020-12-22 | 恒宝股份有限公司 | Off-line transaction device and method based on same |
| CN111935158A (en) * | 2020-08-12 | 2020-11-13 | 盐城工学院 | Financial data management method of remote network consumption system |
| CN111935158B (en) * | 2020-08-12 | 2021-02-26 | 盐城工学院 | Financial data management method of remote network consumption system |
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| Publication number | Publication date |
|---|---|
| CN101458844B (en) | 2010-09-29 |
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