CN101894337A - Method, system and related device for processing network transaction of intelligent value card - Google Patents
Method, system and related device for processing network transaction of intelligent value card Download PDFInfo
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Abstract
The invention discloses a method, a system and a related device for processing the network transaction of an intelligent value card, and aims to solve the problem that subsequent financial management is difficult to perform when the network transaction processing state of a network side is inconsistent with that of the intelligent value card. The method comprises the following steps that: equipment on the network side receives transaction information which contains the transaction variation value of the network transaction which is stored in the intelligent value card; and the intelligent value card modifies the stored transaction variation value of the network transaction according to a preset rule after receiving a card writing command in each network transaction process, processes the previous network transaction according to the consistency between the stored transaction variation value of the network transaction and the transaction variation value in the transaction information when the current network transaction is not finished, and modifies the stored transaction variation value of the network transaction according to the preset rule after receiving card writing success notification information.
Description
Technical field
The present invention relates to computing machine and communication technical field, relate in particular to a kind of network transaction of intelligent value card reason method, a kind of network transaction of intelligent value card reason system, a kind of stored-value card.
Background technology
Lose, sneak into the risk that counterfeit money, cash are robbed in order to exempt people carry the cash small change in process of consumption inconvenience and cash, the stored-value card technology is arisen at the historic moment, and has obtained widespread use in many industries.Stored-value card is generally used for carrying out small amount payment, and the holder deposits certain amount of money in advance in card, can realize directly deducting from stored value accounts dealing money during transaction by swiping the card.
The mass transit card in many cities is exactly the example that stored-value card is used.With Beijing is example, and the circulation of mass transit card has surpassed 1,300 ten thousand, and with the quantity sustainable growths of 1.5 ten thousand of every days.On the one hand and since stored-value card have can supplement with money, can consume, non-tangible characteristics, the user who holds stored-value card is unwilling once to charge into the more amount of money in order to avoid cause after losing than large economy and lose usually; Present on the other hand mass transit card is only supported the mode of supplementing with money of sales counter or ATM (Automatic Teller Machine), and the outlet that sales counter is supplemented with money or ATM (Automatic Teller Machine) is supplemented with money limited amount can be provided, therefore caused the user when supplementing with money, particularly in peak periods such as festivals or holidays, often have to wait in line for a long time in outlet, this has brought very big use inconvenience for the user who holds stored-value card.
In order to address the above problem, prior art has proposed network and has supplemented solution with money.Network is supplemented with money and can only be adopted circle to deposit mode, is about to hold user's the bank account of stored-value card or the certain amount of money in other third party's accounts and deposits in the account of this stored-value card correspondence.Stored-value card network charging system is shown in accompanying drawing 1a, stored-value card is connected with computing machine by card reader or USB interface, network equipment comprises supplements server, account management server and pre-process server with money, wherein supplements server with money and is used to receive circle request of depositing that process user sends and the interaction message of transmitting account management server and pre-process server.Above-mentionedly supplement server with money, the pre-process server can close and be located in the same computing machine.The basic process that primary network is supplemented with money is shown in accompanying drawing 1b:
Step 101, the user sends the request of depositing of enclosing by means of computing machine to supplementing server with money, for example the user supplements the page with money, and clicks the button of supplementing with money of supplementing with money in the page and send circle and deposit request by the web browser in using a computer visit, and the user also can adopt mode such as client to send circle and deposit request certainly.Circle is deposited card number, the recharge amount that should comprise stored-value card in the request at least, when the user also should comprise bank card number, password or the like when transferring accounts by not signatory bank card;
Step 102 is supplemented server with money and is received after circle deposits request, sends withholing request to account management server, comprises recharge amount at least in this request of withholing, and the response of withholing of sending of reception account management server correspondence;
Step 103, supplement with money server receive withhold the response after, with this withhold the response be forwarded to stored-value card by computing machine;
Step 104, stored-value card are supplemented server with money and are sent authentication request to stored-value card after receiving the response of withholing;
Step 105 after stored-value card receives authentication request, is carried at the required information of authentication to send in the authentication response and supplements server with money;
Step 106 is supplemented server with money the authentication response that receives is transmitted to the pre-process server;
Step 107, the pre-process server authenticates according to predetermined business norms, after by authentication, writes the card instruction by supplementing server with money to the stored-value card transmission, and the amount of money of will transferring accounts changes on the stored-value card;
After step 108, stored-value card receive and write card instruction, carry out the corresponding card of writing and handle, on the basis of self remaining sum, increase the amount of money of transferring accounts, and after writing card and handling successfully, write the successful notification message of card to supplementing the server transmission with money;
Step 109, supplement with money server receive write the successful notification message of card after, the state recording that this time circle is deposited transaction is saved as merit for circle, and this circle of notice pre-process server is deposited Transaction Success.
The above-mentioned network scheme of supplementing with money makes the user can be at home carry out self-recharging by the computing machine that inserts the internet, not only for the user who holds stored-value card provides convenience, and helps operator and branches out.
Yet carry out above-mentioned when supplementing process with money, because computing machine is connected by wide area network with supplementing with money between the server, compare by reliable private cable ways of connecting with supplementing with money between the server with traditional outlet, its stability and security are relatively poor, in step 108, the successful notification message of card of writing that stored-value card sends tends to lose in transmission course, remaining sum on the stored-value card is modified (at this moment from user perspective at this moment, circle is deposited and has been finished), deposit the state of transaction and also be not modified to circle and be saved as merit and supplement this circle on the server with money, to cause difficulty for follow-up stored-value card transaction processing to the different treatment state data of consolidated network transaction record in network side and the stored-value card, it is relatively poor that the mode by reconciliation manually solves this problem feasibility under a fairly large number of situation of stored-value card.Except network was supplemented with money, the network trading that other stored-value cards are relevant also existed similar problem.
Summary of the invention
The embodiment of the invention provides a kind of network transaction of intelligent value card reason method, handle state and the network trading of stored-value card in order to the network trading that solves network equipment in the relevant network trading process of existing stored-value card and handle state when inconsistent, be difficult to carry out the problem that follow-up stored-value card is concluded the business.
Accordingly, the embodiment of the invention also provides a kind of network transaction of intelligent value card reason system and a kind of stored-value card.
The technical scheme that the embodiment of the invention provides is as follows:
A kind of network transaction of intelligent value card reason method comprises:
Network equipment receives transaction message, the transaction changing value that contains the described network trading of storing in the described stored-value card in the described transaction message, after described stored-value card receives in each described network trading process and writes the card instruction, according to pre-defined rule, revise the transaction changing value of the described network trading of storage, and
The state of current primary network transaction is for imperfect tense, according to the once described network trading before consistent processing the whether of the transaction changing value in the transaction changing value of the described network trading of this locality storage and the transaction message that receives, and receive that described stored-value card sends write the successful notification message of card after, according to described pre-defined rule, revise the transaction changing value of the described network trading of storage.
A kind of network transaction of intelligent value card is managed system, comprises network equipment, stored-value card and the terminal device that is connected with described stored-value card, wherein:
Described stored-value card, be used to receive described network equipment issues write the card instruction after, according to pre-defined rule, revise the transaction changing value of the described network trading of storage;
Described terminal device is used for sending transaction message to described network equipment, comprises the transaction changing value of the described network trading that reads from described stored-value card in the described transaction message;
Described network equipment, after being used to receive transaction message, at the state of preceding once described network trading for imperfect tense, according to the once described network trading before consistent processing the whether of the transaction changing value in the transaction changing value of the described network trading of this locality storage and the transaction message that receives, and receive that described stored-value card sends write the successful notification message of card after, according to described pre-defined rule, revise the transaction changing value of the described network trading of storage.
A kind of stored-value card comprises:
Network trading changing value memory module is used to store the transaction changing value of every kind of network trading;
Network trading changing value modified module is used for every kind of network trading process, receive write card instruction after, according to pre-defined rule, revise the transaction changing value of the described network trading of described network trading changing value memory module storage.
The network trading business processing scheme that the stored-value card that the embodiment of the invention proposes is relevant, all store the transaction changing value of every kind of network trading of this stored-value card correspondence separately at end side and network side, end side is being write card and is being finished dealing with in carrying out a certain network trading process after, according to pre-defined rule, revise the transaction changing value of this network trading of storage, network side receives that end side sends write the successful notification message of card after, according to same pre-defined rule, revise the transaction changing value of this network trading of storage.End side is in this network trading process of execution, in sending to the message of network side, carry the transaction changing value of this network trading of self storing, the state that network side is handled at preceding once this network trading is for imperfect tense, according to judge transaction changing value in the message that end side is sent determine with whether the transaction changing value of self storage consistent before the uncompleted reason of once described network trading, and according to the different reasons of determining before finishing described network trading, carry out different additional treatments, overcome the problem of the follow-up stored-value card transaction processing difficulty that in network side and the stored-value card consolidated network transaction record different treatment state data is caused.
Description of drawings
Fig. 1 a is existing smart card network charging system synoptic diagram;
Fig. 1 b is the schematic flow sheet of existing smart card online recharge process;
Fig. 2 is the main realization principle flow chart of the embodiment of the invention;
The structural representation of the stored-value card that Fig. 3 a provides for the embodiment of the invention;
Fig. 3 b is the synoptic diagram of the response data form that stored-value card returns to terminal device in the embodiment of the invention;
Fig. 4 deposits professional schematic flow sheet for network circle in the embodiment of the invention;
The structural representation of the another kind of stored-value card that Fig. 5 a provides for the embodiment of the invention;
Fig. 5 b is the synoptic diagram of the another kind of response data form that stored-value card returns to terminal device in the embodiment of the invention;
Fig. 6 deposits second kind of professional schematic flow sheet for network circle in the embodiment of the invention;
Fig. 7 deposits the third professional schematic flow sheet for network circle in the embodiment of the invention;
The structural representation of the terminal device that is connected with stored-value card that Fig. 8 provides for the embodiment of the invention;
The structural representation of the network equipment that Fig. 9 provides for the embodiment of the invention;
The structural representation of the performance element in the network equipment that Figure 10 provides for the embodiment of the invention.
Embodiment
When adopting the relevant network trading process of existing stored-value card, handle status data this network trading processing status data inconsistent problem corresponding owing to lose the network trading that message can cause the stored-value card record between terminal and the network equipment, and then cause difficulty for follow-up stored-value card financial management with this stored-value card of network side record.
The embodiment of the invention proposes in network trading business processing process by increasing transaction processing state and the inconsistent problem of network side transaction processing state that a transaction changing value that is used to write down every kind of network trading solves stored-value card.Particularly: the transaction changing value of all storing every kind of network trading of this stored-value card correspondence at stored-value card and network side separately.In the message that network side sends, increase a data field that is used to write down the transaction changing value of every kind of network trading in end side, and in stored-value card, increase the functional module of the transaction changing value be used to manage every kind of network trading, this functional module stored-value card issue in network trading business processing process according to network side write card instruction carry out write card processing after, transaction changing value to this network trading increases predetermined value, and when carrying out described network trading process, in any one message that sends to network side, carry the transaction changing value of this network trading of storage next time.Accordingly, network side when carrying out network trading, receive end side write that card success back sends write the successful notification message of card after, the transaction changing value of this network trading of self storing is increased described predetermined value.
When carrying out network trading, after network side receives the message of sending that comprises the network trading changing value, before executing described network trading, the corresponding previous completion status of network trading of described network trading sign of requester network side storage, and in the completion status that inquires for imperfect tense, according to whether the transaction changing value in the transaction changing value of the corresponding network trading of the described network trading sign of the network side storing that inquires and the message that receives consistent determine before the uncompleted reason of once described network trading, and according to the different additional treatments of determining of different reasons execution, in order to the described network trading of once failing before handling normally to finish, carry out this network trading again.
Be explained in detail to the main realization principle of embodiment of the invention technical scheme, embodiment and to the beneficial effect that should be able to reach below in conjunction with each accompanying drawing.
As shown in Figure 2, the main realization principle process of the embodiment of the invention is as follows:
Step 10, network equipment receives the transaction message of sending in the network trading process, comprise the sign of described network trading and the transaction changing value that identifies corresponding network trading from the described network trading that stored-value card reads in the described transaction message, described transaction changing value be described stored-value card receive in each described network trading process that network equipment issues write the card instruction after, according to pre-defined rule, the transaction changing value of the previously described network trading of modification storage obtains;
Step 20, network equipment is judged the sign of the network trading that comprises in the described message that receives according to step 10, whether the corresponding previous completion status of network trading of described network trading sign that inquires storage is finished, if enter step 30, otherwise enters step 40;
Step 30, receive in handling this network trading process that described stored-value card sends write the successful notification message of card after, according to pre-defined rule, revise the transaction changing value of the described network trading of storing;
Step 40, network equipment is according to the sign of the network trading that comprises in the described transaction message, the completion status of preceding once described network trading that inquires storage is for imperfect tense, before executing this network trading, according to whether the transaction changing value in the transaction changing value of the described network trading of the network side storing that inquires and the transaction message that receives consistent determine before the uncompleted reason of once described network trading, and according to the different additional treatments of determining of different reasons execution, in order to the described network trading of once failing before handling normally to finish, and enter step 30.
Need to prove: the transaction changing value of every kind of network trading storing in stored-value card and the network equipment when initial is identical, in above-mentioned steps 10 and the step 30, stored-value card and network equipment are revised the transaction changing value of the described network trading of storage separately according to pre-defined rule, specifically comprise following dual mode:
Mode 1, the transaction changing value of the described network trading that stored-value card or network equipment will be stored separately increases predetermined value
Mode 2, the transaction changing value of the described network trading that stored-value card or network equipment will be stored separately reduces predetermined value.
Above-mentioned additional treatments specifically comprises for mode 1: when the transaction changing value that comprises in described message is consistent with the transaction changing value that inquires, illustrate that a preceding network trading writes card crash, and do not have network side not receive and write the notification message that card is successful or fail, at this moment should before just, once conclude the business;
The transaction changing value that comprises in described message is during greater than the transaction changing value that inquires, it is successful to illustrate that a preceding network trading is write card, just network side is not received and is write the successful notification message of card, at this moment only the corresponding previous completion status of network trading of described network trading sign need be revised as and finish, the transaction changing value of storing is increased predetermined value.
Above-mentioned additional treatments specifically comprises for mode 2: when the transaction changing value that comprises in described message is consistent with the transaction changing value that inquires, illustrate that a preceding network trading writes card crash, and do not have network side not receive and write the notification message that card is successful or fail, at this moment should before just, once conclude the business;
The transaction changing value that comprises in described message is during less than the transaction changing value that inquires, it is successful to illustrate that a preceding network trading is write card, just network side is not received and is write the successful notification message of card, at this moment only the corresponding previous completion status of network trading of described network trading sign need be revised as and finish, the transaction changing value of storing is reduced predetermined value.
Below will be according to foregoing invention principle of the present invention, with the circle business of depositing is example, introducing three embodiment in detail comes the main realization principle of the inventive method is explained in detail and illustrates, in this embodiment, adopt aforesaid way 1 to revise the transaction changing value of the described network trading of storage with stored-value card or network equipment.
Please refer to accompanying drawing 3a, be the structural representation of stored-value card provided by the invention.On the basis (write card command reception module 301, write card processing module 302) of existing stored-value card, should increase network trading changing value memory module 303, network trading changing value modified module 304, wherein:
Write card command reception module 301, be used for when handling network trading, the card of writing that the reception network side issues instructs;
Write card processing module 302, be used for writing the card processing according to writing the amount of money execution of writing card instruction that card command reception module 301 receives;
Network trading changing value memory module 303 is used to store the transaction changing value of every kind of network trading, and specifically when storage, network trading changing value memory module 303 can be stored the corresponding relation of the transaction changing value of the sign of every kind of network trading and this network trading;
Network trading changing value modified module 304, be used for every kind of network trading process, write card processing module 302 execute write card and handle after, according to pre-defined rule, revise the transaction changing value of the described network trading of described network trading changing value memory module 303 storages, for example increase or reduce predetermined value, wherein predetermined value can be natural number, for brevity, predetermined value gets 1 in embodiments of the present invention.
Described stored-value card supports other-end equipment to read the transaction changing value of every kind of network trading of storage, for example read the transaction changing value of every kind of network trading of storage by Application Protocol Data Unit (APDU, Application Protocol Data Unit) instruction with the terminal device that this stored-value card is connected by USB interface.
Read the APDU instruction of transaction changing value of network trading when this stored-value card being used to of receiving that terminal device sends by the OCX control after, the form of the response data of returning is carried at the transaction changing value of network trading in the secure data territory in the response data shown in Fig. 3 b.
It should be noted that network trading changing value modified module 304 only writing of writing that card command reception module 301 receives issue when the card instruction is being carried out network trading for network equipment write card and instruct after, the transaction changing value that just carries out described network trading that will storage increases the processing of predetermined value, if and write that card command reception module 301 receives write the card instruction for having (the POS of point of sales terminal in the non-network trading process that carry out the business hall now, POS Point-Of-Sale terminal) send write card instruction after, do not carry out the processing that the transaction changing value of the described network trading of storage is increased predetermined value, stored-value card can be write card and instructs and come from network equipment or POS by including but not limited to that a kind of mode in the following dual mode is distinguished:
Mode 1: stored-value card receives when determining to exist contact to be connected (for example USB connects) with other-end equipment (for example personal computer), and to write that card instructs be that the card of writing that network equipment issues in the described network trading process instructs; And when determining not exist contact to be connected with other-end, card instructs is that the card of writing that POS issues in the non-network trading process instructs for writing of receiving when for example having contactless the connection with POS;
Mode 2: by the mode of expansion stored-value card associated instruction set, increasing a new card of writing on the basis of original instruction set instructs, the card of writing that should newly-increased write the card instruction and have now in the non-network trading process instructs different, stored-value card receives after this writes card instruction, not only to write card and handle, also the transaction changing value of the described network trading of storage will be added 1.Like this stored-value card POS issues in receiving non-network trading process existing write the card instruction after, only write card processing, do not increase the transaction changing value of the network trading of storage.
Mode 2 is compared with mode 1, and is less to the change of existing stored-value card.
Embodiment one
Please refer to accompanying drawing 4 below, the embodiment of the invention is an example with the circle business of depositing, and introduces to be stored-value card network trading method for processing business provided by the invention.
Step 401, the user sends the request of depositing of enclosing by terminal device to supplementing server with money, this circle is deposited in the request card number except stored-value card, the recharge amount, also should comprise circle and deposit professional sign and the transaction changing value of depositing transaction from the circle that stored-value card reads;
Step 402, supplement with money server receive the circle deposit request after, by after resolve obtaining circle and depositing the transaction changing value of transaction, deposit professional sign according to card number that wherein comprises and circle, once enclose before the described stored-value card of inquiry storage and deposit professional completion status, if preceding once circle is deposited professional completion status for finishing, then enter step 406; If preceding once circle is deposited professional completion status for not finishing, then enter step 403;
Step 403, the circle of inquiry storage is deposited the circle that comprises in the request and is deposited the transaction changing value that the circle of transaction ID correspondence is deposited transaction, and comparison query to circle the transaction changing value of depositing transaction and the circle that step 402 receives deposit the circle that comprises in the request whether deposit the transaction changing value of transaction consistent, if enter step 404; Otherwise enter step 405;
Step 404, described circle is deposited the circle that comprises in the request and is deposited transaction changing value and the circle that inquires and deposit the changing value of concluding the business when consistent, illustrate when last circle is deposited transaction, stored-value card is write card crash, and supplement the notification message of writing card success or failure that server does not receive that stored-value card is sent with money, though promptly deposit in the transaction and from third party's account, deducted the amount of money at last circle once, but do not have actual depositing in the stored-value card, at this moment once transaction before just should dashing, the amount of money of deduction is return third party's account, enter step 406;
Step 405, described circle is deposited the circle that comprises in the request and is deposited the transaction changing value and deposit transaction during changing value greater than the circle that inquires, before the explanation once circle deposit the transaction stored-value card to write card successful, just network side is not received and is write the successful notification message of card, only needing that the circle that described circle be deposited the transaction ID correspondence is deposited the previous completion status of transaction this moment is revised as and finishes, the circle of storage is deposited the transaction changing value increase predetermined value, predetermined value can be natural number, for brevity, predetermined value is 1 in the present embodiment, enters step 406;
Supplement server with money after step 404, the step 405 and carry out subsequent treatment with reference to existing procedure, please refer among the accompanying drawing 1b shown in step 102～step 109, the difference part is that in step 108 after stored-value card was write the card success, the transaction changing value of the circle of storage being deposited transaction added 1; In step 109, supplement server with money and receive to write and also comprise that the transaction changing value that the circle of storage is deposited transaction adds 1 behind the successful notification message of card, specific as follows:
Step 406 is supplemented server with money and is received after circle deposits request, sends withholing request to account management server, comprises recharge amount at least in this request of withholing, and the response of withholing of sending of reception account management server correspondence;
Step 407, supplement with money server receive withhold the response after, with this withhold the response be forwarded to stored-value card by computing machine;
Step 408, stored-value card are supplemented server with money and are sent authentication request to stored-value card after receiving the response of withholing;
Step 409 after stored-value card receives authentication request, is carried at the required information of authentication to send in the authentication response and supplements server with money;
Step 410 is supplemented server with money the authentication response that receives is transmitted to the pre-process server;
Step 411, the pre-process server authenticates according to predetermined business norms, after by authentication, writes the card instruction by supplementing server with money to the stored-value card transmission, and the amount of money of will transferring accounts changes on the stored-value card;
After step 412, stored-value card receive and write the card instruction, carry out the corresponding card of writing and handle, on the basis of self remaining sum, increase the amount of money of transferring accounts, and after writing card and handling successfully, the transaction changing value of the circle of storage being deposited transaction adds 1, and sends and write the successful notification message of card to supplementing server with money;
Step 413, supplement with money server receive write the successful notification message of card after, the state recording that this time circle is deposited transaction is saved as merit for circle, the transaction changing value of the circle of storage being deposited transaction adds 1, and this circle of notice pre-process server is deposited Transaction Success.
Embodiment two
The inventor notices and adopts the scheme of embodiment one may have following potential safety hazard: malicious user duplicates the circle that sends when circle is deposited transaction by hacking technique and deposits request, and intercept circle deposit stored-value card in when transaction step 412 send to supplement server with money write the successful notification message of card (in fact this moment, stored-value card was write card successfully), make that supplement server and pre-process server with money does not know that for the first time circle deposits whether success of transaction, circle is deposited professional completion status and is set to not finish; After this malicious user is retransmitted the circle that duplicates and is deposited request, supplement with money so and once conclude the business before server can just dash according to step 403 step 405, therefore this malicious user can be implemented in the effect that writes the amount of money in the stored-value card, do not withhold simultaneously from third party's account, thereby financial management is sustained a loss.For this reason, the inventor has proposed a kind of improved plan, and particular content is as follows:
Please refer to accompanying drawing 5a, stored-value card is except increasing the network trading changing value memory module 303 shown in the accompanying drawing 3a, network trading changing value modified module 304, also need to increase network trading communication changing value memory module 306, network trading communication changing value modified module 307 and proof test value determination module 308, wherein:
Network trading communication changing value memory module 306, be used to store the communication changing value of every kind of network trading, specifically when storage, network trading communication changing value memory module 306 can be stored the sign of every kind of network trading and the corresponding relation of the changing value of communicating by letter of this network trading;
Network trading communication changing value modified module 307, be used for handling the network trading process, this stored-value card or the terminal device that is connected with this stored-value card add 1 with the communicate by letter communication changing value of described network trading correspondence of changing value memory module 306 storages of network trading at every turn after network side sends message;
Proof test value determination module 308, be used for based on the cryptographic algorithm of network side agreement, the transaction changing value of the network trading of the communication changing value of the sign (for example card number of stored-value card) of described stored-value card, 303 storages of network trading changing value memory module and 306 storages of network trading communication changing value memory module is encrypted the proof test value that the back obtains.
Obviously, stored-value card also supports other equipment to read the transaction changing value of every kind of network trading of storage, and for example the terminal device that is connected by USB interface with this stored-value card instructs the communication changing value of every kind of network trading reading storage by APDU; In like manner terminal device also can utilize APDU to instruct and read the proof test value that proof test value computing module 308 calculates.
Read the APDU instruction of communication changing value of network trading when this stored-value card being used to of receiving that terminal device sends by the OCX control after, the form of the response data of returning is carried at communication changing value, the proof test value of network trading in the secure data territory in the response data shown in Fig. 5 b.
Accordingly, network equipment is for example supplemented server with money and is also set a communication changing value for every kind of network trading, and store the communication changing value of every kind of network trading, receiving after end side carrying out the message of sending in the described network trading process, when judging this message and not being malicious user and retransmitting the message that has sent before this of duplicating, the communication changing value of this network trading correspondence of network equipment storage be set to this message in the communication changing value consistent (also can be understood as the corresponding communication changing value of this network trading that the communication changing value of this network trading in this message is copied to the storage of network side apparatus) of this network trading.
Carrying out as shown in Figure 4 circle when depositing business, in step 401, terminal device not only comprises circle to the circle request of depositing of supplementing the server transmission with money and deposits professional sign and the transaction changing value of depositing transaction from the circle that stored-value card reads, also comprise the circle that reads from stored-value card and deposit the communication changing value and the proof test value of transaction, described proof test value be based on the cryptographic algorithm of network side agreement, the transaction changing value of the communication changing value of the sign of described stored-value card, described network trading and described network trading encrypted the back obtains.
Supplement with money server receive the circle deposit request after, the processing procedure of execution is as shown in Figure 6.
Step 601, supplement with money server receive the circle deposit request after, by after resolve obtaining circle and depositing the transaction changing value of transaction, deposit professional sign according to the circle that wherein comprises, the preceding once circle of inquiry storage is deposited professional completion status, if preceding once circle is deposited professional completion status for finishing, then enter step 606, otherwise,, enter step 602 if preceding once circle is deposited professional completion status for not finishing;
Step 602, the circle of supplementing server lookup storage with money is deposited the circle that comprises in the request and is deposited the communication changing value that the circle of transaction ID correspondence is deposited transaction, and comparison query to the circle communication changing value of depositing transaction deposit the changing value of communicating by letter that the circle that comprises in the request is deposited transaction with the circle that step 601 receives, if the circle that inquires is deposited circle that the communication changing value of transaction receives more than or equal to (being not less than) step 601 and is deposited the circle that comprises in the request and deposit the communication changing value of transaction and enter step 603, otherwise enters step 604;
Step 603, when the circle that inquires in step 602 is deposited circle that the communication changing value of transaction receives more than or equal to step 601 and is deposited the circle that comprises in the request and deposit the communication changing value of transaction, the circle that description of step 601 the receives request of depositing repeats to send after being duplicated by the malicious user interception, and the end circle is deposited transaction and got final product;
Step 604, when the circle that inquires in step 602 is deposited circle that the communication changing value of transaction receives less than step 601 and is deposited the circle that comprises in the request and deposit the communication changing value of transaction, supplement with money server based on the cryptographic algorithm of stored-value card agreement, circle is deposited the sign of the stored-value card that comprises in the request, communication changing value that circle is deposited transaction and circle deposits the transaction changing value and encrypt the proof test value that the back obtains;
Step 605, whether consistent, if enter step 606 if supplementing the proof test value that proof test value that server comparison step 604 obtains and the circles that step 601 receives deposit in the request with money; Otherwise,, enter step 607 if the proof test value that the circle that proof test value that step 604 obtains and step 601 receive is deposited in the request is inconsistent;
Step 606, the circle of storage are deposited the corresponding communication changing value of transaction and are set to deposit the circle that comprises in the request with the circle that step 601 receives to deposit the communication changing value of transaction consistent, and carry out the follow-up business shown in step 403～step 413 in the accompanying drawing 4;
Step 607, supplementing the circle request of depositing that server thinks that step 601 receives with money is distorted (after the last circle that the sends request of depositing is replicated, revise communication changing value wherein, the communication changing value that a last circle is deposited request adds that 1 back obtains), finish circle and deposit transaction.
The circle that determination step 601 receives in the step 607 is deposited the concrete reason distorted of request: supplement with money server based on the cryptographic algorithm of stored-value card agreement, to the sign of the stored-value card that comprises in the network trading request, communication changing value (adding after 1) that circle is deposited transaction and circle deposit the transaction changing value encrypt proof test value that the back obtains inevitable with distort after circle to deposit the proof test value that comprises in the request (according to the sign of stored-value card, do not add 1 circle deposit communicate by letter changing value and the circle of transaction and deposit that the transaction changing value calculates) inconsistent.
Need to prove, embodiment two has just provided an example about the communication changing value, similar with the transaction changing value, network trading communication changing value modified module 307 in the stored-value card is after sending message, the also rule that can make an appointment according to other both sides, revise the communication changing value of storage, for example network trading communication changing value modified module 307 is deposited the corresponding communication changing value of transaction with circle and is subtracted 1 after sending message, supplement with money in the step 604 communication changing value that server determines local storage greater than the communication changing value that comprises in the described transaction message after, determine based on the cryptographic algorithm of described stored-value card agreement, to the sign of the stored-value card that comprises in the transaction message, the communication changing value, and the transaction changing value to encrypt the proof test value that comprises in proof test value that the back obtains and the described transaction message consistent.
Embodiment three
In embodiment one, the transaction changing value that the circle of stored-value card storage is deposited transaction is included in circle and deposits to send in the request and supplement server with money, supplement with money server receive the circle deposit request after, deposit professional completion status for imperfect tense at preceding once circle, depositing the circle that comprises in the request according to circle deposits the circle of the transaction changing value of transaction and self storage and deposits the processing that the transaction changing value of transaction comes execution in step 403～step 405, actual also can going up circle and deposit the transaction changing value of transaction and be included in circle and deposit that the other-end side sends in the message of network side in the business processing process with the stored-value card storage, the transaction changing value of for example in the present embodiment the upward circle of stored-value card storage being deposited transaction is included in to send in the authentication response in the step 105 among the accompanying drawing 1b supplements server with money, supplement with money after server receives this authentication response, carry out with step 403～step 405 and similarly handle, detailed process as shown in Figure 7:
Step 701, the user sends circle and deposits request to supplementing server with money by terminal device, and this circle is deposited in the request card number except stored-value card, the recharge amount, also should comprise circle and deposit professional sign;
Step 702 is supplemented server with money and is received after circle deposits request, sends withholing request to account management server, comprises recharge amount at least in this request of withholing, and the response of withholing of sending of reception account management server correspondence;
Step 703, supplement with money server receive withhold the response after, with this withhold the response be forwarded to stored-value card by computing machine;
Step 704, stored-value card are supplemented server with money and are sent authentication request to stored-value card after receiving the response of withholing;
Step 705, after stored-value card receives authentication request, card number, authentication information needed are carried to send in the authentication response and supplement server with money, and in addition, the transaction changing value that the sign of the stored-value card business of also circle being deposited and the circle of storage are deposited transaction is carried in this authentication response;
Step 706, supplement with money after server receives this authentication response, by after resolve obtaining circle and depositing the transaction changing value of transaction, deposit professional sign according to card number that wherein comprises and circle, once enclose before the described stored-value card of inquiry storage and deposit professional completion status, if preceding once circle is deposited professional completion status for finishing, then enter step 710; If preceding once circle is deposited professional completion status for not finishing, then enter step 707;
Step 707, the circle of supplementing server lookup storage with money is deposited the circle that comprises in the request and is deposited the transaction changing value that the circle of transaction ID correspondence is deposited transaction, and comparison query to the circle transaction changing value of depositing transaction and authentication response that step 706 receives in the circle that comprises whether deposit the transaction changing value of transaction consistent, if enter step 708; Otherwise enter step 709;
Step 708, described circle is deposited the circle that comprises in the request and is deposited transaction changing value and the circle that inquires and deposit the changing value of concluding the business when consistent, illustrate when last circle is deposited transaction, stored-value card is write card crash, and supplement the notification message of writing card success or failure that server does not receive that stored-value card is sent with money, though promptly deposit in the transaction and from third party's account, deducted the amount of money at last circle once, but do not have actual depositing in the stored-value card, at this moment once transaction before just should dashing, the amount of money of deduction is return third party's account, enter step 710;
Step 709, described circle is deposited the circle that comprises in the request and is deposited the transaction changing value and deposit transaction during changing value greater than the circle that inquires, before the explanation once circle deposit the transaction stored-value card to write card successful, just network side is not received and is write the successful notification message of card, only the corresponding previous completion status of network trading of described network trading sign need be revised as this moment and finish, the circle of storage is deposited the transaction changing value add 1 and get final product, enter step 710;
Step 710 is supplemented server with money the authentication response that receives is transmitted to the pre-process server;
Step 711, the pre-process server authenticates according to predetermined business norms, after by authentication, writes the card instruction by supplementing server with money to the stored-value card transmission, and the amount of money of will transferring accounts changes on the stored-value card;
After step 712, stored-value card receive and write the card instruction, carry out the corresponding card of writing and handle, on the basis of self remaining sum, increase the amount of money of transferring accounts, and after writing card and handling successfully, the transaction changing value of the circle of storage being deposited transaction adds 1, and sends and write the successful notification message of card to supplementing server with money;
Step 713, supplement with money server receive write the successful notification message of card after, the state recording that this time circle is deposited transaction is saved as merit for circle, the transaction changing value of the circle of storage being deposited transaction adds 1, and this circle of notice pre-process server is deposited Transaction Success.
The scheme that the foregoing description two, embodiment three provide also can be in conjunction with utilization, comprise also in the authentication response that stored-value card sends in embodiment three steps 705 that promptly the circle that reads from stored-value card deposits the communication changing value and the proof test value of transaction, supplement with money before the server execution in step 706～step 713, carry out with accompanying drawing 6 in the process similarly further confirmed of step 602～step 607 according to communicate by letter changing value and proof test value, write the effect that the amount of money, while are not withholdd in the stored-value card to prevent that malicious user is implemented in from third party's account.
The embodiment of the invention is to be example with the circle business of depositing, introduce stored-value card network trading business processing scheme that the embodiment of the invention provides, this scheme is applicable to that equally also networking consumption service, circle put forward the network trading business that business (deposit the amount of money in the stored-value card in the third party account, promptly circle is deposited professional reverse business) waits other stored-value cards.
The network trading business processing scheme that the stored-value card that the embodiment of the invention proposes is relevant, increased the corresponding transaction changing value of diverse network transaction of each stored-value card newly, the transaction changing value of this network trading of the transaction changing value by network trading in the intelligent stored value card and this stored-value card of network side storing solves network trading completion status and the inconsistent problem of network side network trading completion status that prior art exists, specifically: the transaction changing value of all storing every kind of network trading of this stored-value card correspondence at end side and network side separately, end side is being write card and is being finished dealing with in carrying out a certain network trading process after, transaction changing value to this network trading of storage increases predetermined value, and network side receives that end side sends writes behind the successful notification message of card the same predetermined value of transaction changing value increase to this network trading of storage.End side is in this network trading process of execution, in sending to the message of network side, carry the transaction changing value of this network trading of self storing, network side at preceding once this network trading processing state for imperfect tense, according to judge transaction changing value in the message that end side is sent determine with whether the transaction changing value of self storage consistent before the uncompleted reason of once described network trading, and according to the different reasons of determining before finishing described network trading, carry out different additional treatments, overcome the inconsistent problem that causes follow-up stored-value card financial management difficulty of preceding treatment state data of stored-value card and network side record.
Correspondingly, the embodiment of the invention also provides a kind of terminal device that is connected with stored-value card, and as shown in Figure 8, this device comprises reading unit 801 and transmitting element 802, and is specific as follows:
Reading unit 801 is used for handling the network trading process, reads the transaction changing value of described network trading from described stored-value card;
Transmitting element 802, the transaction changing value that is used for described network trading that reading unit 801 is read is carried at the message that sends to network equipment, and the message that will carry the transaction changing value sends to network equipment.
Preferably, reading unit 801 also is used for handling the network trading process, reads the communication changing value and the proof test value of described network trading from described stored-value card;
Communication changing value and proof test value that transmitting element 802 also is used for described network trading that reading unit 801 is read are carried at the message that sends to network equipment, and the message that will carry communication changing value and proof test value sends to network equipment.
The embodiment of the invention also provides a kind of network equipment, please refer to shown in the accompanying drawing 9, and this network equipment comprises receiving element 901, determining unit 902, searches unit 903, performance element 904 and the unit 905 that adds up, wherein:
Receiving element 901 is used for handling the network trading process, receives the message of the transaction changing value that includes the described network trading that reads from stored-value card;
Determining unit 902, after being used for receiving element 901 and receiving described message, determine described stored-value card before once described network trading whether finish;
Search unit 903, be used for before determining unit 902 is determined described stored-value cards once the state of described network trading imperfect tense, search the transaction changing value of described network trading of the described stored-value card of storage;
Performance element 904 is used for the transaction changing value that comprises according to described message and the comparative result of searching the transaction changing value that unit 903 finds, carries out in order to the additional treatments of uncompleted network trading once before revising;
The unit 905 that adds up, be used for this described network trading process of processing receive that described stored-value card sends write the successful notification message of card after, according to pre-defined rule, revise the transaction changing value of the described network trading of storing.
Please refer to accompanying drawing 10, when above-mentioned pre-defined rule is, when the transaction changing value of the described network trading of storage was increased predetermined value, the performance element in the accompanying drawing 9 comprised that specifically first carries out subelement 110 and second and carry out subelement 111, wherein:
First carries out subelement 110, is used for the transaction changing value that comprises in the message that receiving element 901 receives and searches transaction changing value that unit 903 finds when consistent, once concludes the business before just;
Second carries out subelement 111, be used for the transaction changing value that comprises in the message that receiving element 901 receives when searching the transaction changing value that unit 903 finds, the completion status of preceding once described network trading is revised as finishes, the transaction changing value of the described network trading of storage is increased predetermined value.
One of ordinary skill in the art will appreciate that all or part of step that realizes in the foregoing description method is to instruct relevant hardware to finish by program, this program can be stored in the computer read/write memory medium, as: ROM/RAM, magnetic disc, CD etc.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (14)
1. a network transaction of intelligent value card reason method is characterized in that, comprising:
Network equipment receives transaction message, the transaction changing value that contains the described network trading of storing in the described stored-value card in the described transaction message, after described stored-value card receives in each described network trading process and writes the card instruction, according to pre-defined rule, revise the transaction changing value of the described network trading of storage, and
The state of current primary network transaction is for imperfect tense, according to the once described network trading before consistent processing the whether of the transaction changing value in the transaction changing value of the described network trading of this locality storage and the transaction message that receives, and receive that described stored-value card sends write the successful notification message of card after, according to described pre-defined rule, revise the transaction changing value of the described network trading of storage.
2. the method for claim 1 is characterized in that, described stored-value card or described network equipment are revised the transaction changing value of the described network trading of storage according to pre-defined rule, specifically comprise:
The transaction changing value that described stored-value card will be stored increases predetermined value;
The transaction changing value that described network equipment will be stored increases predetermined value;
Described stored-value card is identical with the initial value of the transaction changing value of described network equipment storage.
3. method as claimed in claim 2, it is characterized in that, network equipment specifically comprises according to the transaction changing value of the described network trading of storing in the transaction changing value of the described network trading of this locality storage and the described stored-value card that receives once described network trading before consistent processing the whether:
When the transaction changing value that comprises in described transaction message is consistent with the transaction changing value of local storage, before just, once conclude the business; Or
The transaction changing value that comprises in described transaction message is during greater than the transaction changing value of this locality storage, the completion status of preceding once described network trading is revised as finishes, and according to pre-defined rule, revise the transaction changing value of the described network trading of storage.
4. the method for claim 1 is characterized in that, described stored-value card or described network equipment are revised the transaction changing value of the described network trading of storage according to pre-defined rule, specifically comprise:
The transaction changing value that described stored-value card will be stored reduces predetermined value;
The transaction changing value that described network equipment will be stored reduces predetermined value;
Described stored-value card is identical with the initial value of the transaction changing value of described network equipment storage.
5. method as claimed in claim 4, it is characterized in that, network equipment specifically comprises according to the transaction changing value of the described network trading of storing in the transaction changing value of the described network trading of this locality storage and the described stored-value card that receives once described network trading before consistent processing the whether:
When the transaction changing value that comprises in described transaction message is consistent with the transaction changing value of local storage, before just, once conclude the business; Or
The transaction changing value that comprises in described transaction message is during less than the transaction changing value of this locality storage, the completion status of preceding once described network trading is revised as finishes, and according to pre-defined rule, revise the transaction changing value of the described network trading of storage.
6. as the described method of arbitrary claim in the claim 1 to 5, it is characterized in that when described network trading was deposited transaction for circle, described transaction message was deposited request message or authentication response message for circle.
7. method as claimed in claim 6 is characterized in that, when described transaction message is deposited request message for circle, handles described network trading and specifically comprises:
The amount of money that from third party's account of the user that holds described stored-value card, comprises in the described network trading request message of deduction, and send authentication request to described stored-value card, and
Authentication information in the authentication response of sending according to described stored-value card correspondence is carried out authentication processing, and is sending the described card of writing to described stored-value card and instructing by authenticating the back, and
Receive described stored-value card corresponding send write the successful notification message of card.
8. the method for claim 1 is characterized in that, when the state of a preceding network trading of storing in the described network equipment when finishing, described network equipment is handled this network trading according to the described transaction message that receives.
9. method as claimed in claim 8 is characterized in that, described network equipment is handled this network trading according to the described transaction message that receives, and specifically comprises:
Described network equipment is write the card instruction according to the described transaction message that receives to described stored-value card transmission;
Described stored-value card receive described write card instruction after, according to pre-defined rule, revise the transaction changing value of the described network trading of storage;
Described network equipment receive described stored-value card feedback write card success message after, according to pre-defined rule, revise the transaction changing value of the described network trading of storing, and the state that is stored in this described network trading wherein is set to finish.
10. the method for claim 1, it is characterized in that, the communication changing value and the proof test value that also comprise the described network trading of from stored-value card, storing in the described transaction message, when described stored-value card sends message at the described network trading of each execution, the communication changing value of the described network trading of storage is increased predetermined value, described proof test value be stored-value card based on the cryptographic algorithm of network side agreement, the transaction changing value of the communication changing value of the sign of described stored-value card, described network trading and described network trading encrypted the back obtains;
Network equipment,, also comprises before the network trading changing value of the local storage of inquiry for imperfect tense at the state of a preceding network trading:
The communication changing value of the described network trading of the local storage of inquiry, when the communication changing value of the described network trading of described local storage was carried out the transaction message that described network trading sends for receive described stored-value card at every turn, the communication changing value of the described network trading of this locality storage was set to obtain consistent with the communication changing value in the described transaction message;
The communication changing value of determining local storage less than the communication changing value that comprises in the described transaction message after, determine based on the cryptographic algorithm of described stored-value card agreement, it is consistent that sign, communication changing value and the transaction changing value of the stored-value card that comprises in the transaction message are encrypted the proof test value that comprises in proof test value that the back obtains and the described transaction message.
11. the method for claim 1, it is characterized in that, the communication changing value and the proof test value that also comprise the described network trading of from stored-value card, storing in the described transaction message, when described stored-value card sends message at the described network trading of each execution, the communication changing value of described network trading of storage is reduced predetermined value, described proof test value be stored-value card based on the cryptographic algorithm of network side agreement, the transaction changing value of the communication changing value of the sign of described stored-value card, described network trading and described network trading encrypted the back obtains;
Network equipment,, also comprises before the network trading changing value of the local storage of inquiry for imperfect tense at the state of a preceding network trading:
The communication changing value of the described network trading of the local storage of inquiry, when the communication changing value of the described network trading of described local storage was carried out the transaction message that described network trading sends for receive described stored-value card at every turn, the communication changing value of the described network trading of this locality storage was set to obtain consistent with the communication changing value in the described transaction message;
The communication changing value of determining local storage greater than the communication changing value that comprises in the described transaction message after, determine based on the cryptographic algorithm of described stored-value card agreement, it is consistent that sign, communication changing value and the transaction changing value of the stored-value card that comprises in the transaction message are encrypted the proof test value that comprises in proof test value that the back obtains and the described transaction message.
12. a network transaction of intelligent value card reason system is characterized in that, comprises network equipment, stored-value card and the terminal device that is connected with described stored-value card, wherein:
Described stored-value card, be used to receive described network equipment issues write the card instruction after, according to pre-defined rule, revise the transaction changing value of the described network trading of storage;
Described terminal device is used for sending transaction message to described network equipment, comprises the transaction changing value of the described network trading that reads from described stored-value card in the described transaction message;
Described network equipment, after being used to receive transaction message, at the state of preceding once described network trading for imperfect tense, according to the once described network trading before consistent processing the whether of the transaction changing value in the transaction changing value of the described network trading of this locality storage and the transaction message that receives, and receive that described stored-value card sends write the successful notification message of card after, according to described pre-defined rule, revise the transaction changing value of the described network trading of storage.
13. a stored-value card is characterized in that, comprising:
Network trading changing value memory module is used to store the transaction changing value of every kind of network trading;
Network trading changing value modified module is used for every kind of network trading process, receive write card instruction after, according to pre-defined rule, revise the transaction changing value of the described network trading of described network trading changing value memory module storage.
14. stored-value card as claimed in claim 13 is characterized in that, also comprises:
Network trading communication changing value memory module is used to store the communication changing value of every kind of network trading;
Network trading communication changing value modified module, be used for handling every kind of network trading process, after network side sent message, according to pre-defined rule, the communication changing value that described network trading communication changing value memory module is stored described network trading increased or reduces predetermined value at every turn;
The proof test value determination module, be used for based on the cryptographic algorithm of network side agreement, the transaction changing value of the described network trading of the communication changing value of the described network trading of the sign of described stored-value card, the storage of network trading communication changing value memory module and the storage of network trading changing value memory module is encrypted the back obtains proof test value.
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| Application Number | Priority Date | Filing Date | Title |
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| CN2010102158755A CN101894337A (en) | 2010-06-22 | 2010-06-22 | Method, system and related device for processing network transaction of intelligent value card |
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| CN2010102158755A CN101894337A (en) | 2010-06-22 | 2010-06-22 | Method, system and related device for processing network transaction of intelligent value card |
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| CN102831735A (en) * | 2012-07-25 | 2012-12-19 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
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| CN102831735A (en) * | 2012-07-25 | 2012-12-19 | 北京数码视讯软件技术发展有限公司 | On-air credit-for-load control device, control method and on-air credit-for-load system and user terminal |
| CN103927562A (en) * | 2013-01-11 | 2014-07-16 | 中国银联股份有限公司 | Method and device for modifying intelligent card data |
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| CN103714625A (en) * | 2013-12-20 | 2014-04-09 | 北京握奇数据系统有限公司 | Intelligent card recharging method and system |
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| CN104318287A (en) * | 2014-11-04 | 2015-01-28 | 南京联创科技集团股份有限公司 | Subsection inheriting method of service unification between isomerism IC card systems |
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