CN101908254A - Intelligent card transaction platform, system and method - Google Patents

Intelligent card transaction platform, system and method Download PDF

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Publication number
CN101908254A
CN101908254A CN 201010260171 CN201010260171A CN101908254A CN 101908254 A CN101908254 A CN 101908254A CN 201010260171 CN201010260171 CN 201010260171 CN 201010260171 A CN201010260171 A CN 201010260171A CN 101908254 A CN101908254 A CN 101908254A
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transaction
trading
smart card
instruction
server
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CN101908254B (en
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邓斌涛
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邓斌涛
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Abstract

The invention relates to an intelligent card transaction platform. The platform comprises a POS terminal, a database, a transaction server and a link server, wherein the POS terminal initiates a transaction request according to the number of an intelligent card, receives a transaction command, and transacts according to the transaction command; the database saves information of the intelligent card; the transaction server receives the transaction request, performs transaction settlement according to the information of the intelligent card, and generates the transaction command; and the link server receives and searches the processed or preprocessed transaction request, and transmits the transaction command generated by the transaction server. The invention also relates to an intelligent card transaction system and an intelligent card transaction method based on the platform. The intelligent card transaction platform, the intelligent card transaction system and the intelligent card transaction method ensure that multiple payment and recharge functions can be realized on the platform by multiple intelligent cards due to the fact that the open transaction platform is adopted and a plurality of intelligent card transaction platforms are connected through a virtual private network, and the real-time online of the transaction platform ensures that the security of transaction is greatly improved.

Description

Intelligent card transaction platform, system and method
Technical field
The present invention relates to intelligent card payment technical field, more particularly, relate to and a kind ofly make multiple smart card carry out multiple payment, supplement the smart card interconnect transactions platform of function with money.
Background technology
Present quick small amount payment system generally uses contactless encryption storage-type IC-card technology, is the offline transaction mode.Value of money is stored on the card, and POS terminal (consumption facility) is read and write card according to key, and the security of system depends on key strength.Be mainly used in mass transit card and campus card, as Guangzhou Canton All-in-Card and Hongkong Octopus Card.Relevant business model is ripe, is also extensively received by the consumer.
Whether logical encrypt storage-type IC-card chip provides the storage space of a constant volume, come the data in the protection card to open for external reference by the check key mode.Its security and reliability depend on cryptographic key protection, generally adopt 40 symmetric key encryptions at present, comprise Mifarel S50 chip.
The technical cryptographic key protection that depends on of logical encrypt storage-type IC-card has directly formed the situation of local separatist regimes.Though card or platform that the different cities all-purpose card adopts are basic identical, because offline transaction exists the interests risk between the investment subject, objectively do not support to roam or interconnect, do not support recharging at different places especially.
Conventional art is the structure of a sealing.The security of system depends on key, and the POS machine must be preserved the key that the card issuer is provided with in advance, can not be open to the third party beyond the card issuer.The Mifare card is unsafe.After 2008, the report that a large amount of Mifare card algorithms are cracked occurred: two university students utilize common computer to pass through to send tens random numbers to card reader at card itself, and what the key that just can guess out card is.At the beginning of 2008, the issue warning of Dutch government points out that the MIFARE CLASSIC of the NXP company production of present widespread use is cracked by two university students; August in the same year, MIFARE crack and hardware is openly sold on network, price only is 500 U.S. dollars.
Summary of the invention
The technical problem to be solved in the present invention is,, provide a kind of and make multiple smart card carry out multiple payment, supplement the safe intelligent card transaction platform of the Open architecture of function with money because the defective that can not carry out the interconnected and poor stability between the platform that the Closed Architecture of its traditional IC technology causes at the smart card interconnect transactions platform of prior art.
The technical solution adopted for the present invention to solve the technical problems is: construct a kind of intelligent card transaction platform, comprising:
POS terminal: initiate transaction request according to the card number of smart card, receive trading instruction and conclude the business according to described trading instruction;
Database: the data that is used to store described smart card; With
Trading server: be used to receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of described smart card.
In intelligent card transaction platform of the present invention, described trading instruction is the transaction program by described POS terminal operating, described POS terminal comprises the receiver module that receives described trading instruction, moves the operation module of described trading instruction and the processing module of deleting or keep described trading instruction according to the processing instruction of described trading server.
In intelligent card transaction platform of the present invention, described trading instruction is for specifying the pointer of transaction program in the described POS terminal, described POS terminal comprises the receiver module that receives described trading instruction, loads the operation module of described transaction program and the memory module of storing described transaction program according to described pointer.
In intelligent card transaction platform of the present invention, also comprise:
Transfer server: be used for reception and search the described transaction request of processing, and handle the trading instruction that described trading server produces and send to described POS terminal according to searching result, described transfer server is connected with described POS terminal with described trading server respectively; Described POS terminal is connected by wired or wireless network with described transfer server.
In intelligent card transaction platform of the present invention, described POS terminal comprises transit module: be used for the described transaction request of pre-service, and the trading instruction that produces according to the described trading server of pre-service result treatment.
In intelligent card transaction platform of the present invention, comprising:
Described transfer server: be used for receiving and searching and handle or the described transaction request of pre-service, and described transaction request sent to the corresponding trading server of smart card, send to described POS terminal according to searching the trading instruction that the corresponding trading server of result or the described smart card of pre-service result treatment produces simultaneously; Described transfer server is connected with described POS terminal with each trading server respectively;
At least two and the corresponding described database of described smart card; With
With the corresponding described trading server of described smart card: be used to receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of corresponding smart card.
Construct a kind of smart card transaction system, wherein, described smart card transaction system comprises at least two described intelligent card transaction platforms, and the transfer server of each intelligent card transaction platform is connected with the trading server of each intelligent card transaction platform by VPN (virtual private network) respectively.
Construct a kind of smart card method of commerce, comprising step:
S1, initiate transaction request according to the card number of smart card;
S2, receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of described smart card;
S3, receive trading instruction and conclude the business according to described trading instruction.
In smart card method of commerce of the present invention,
Trading instruction is the transaction program of operation as described,
Described step S3 comprises:
S31, receive described trading instruction,
S32, move described trading instruction,
S33, receive processing instruction and according to the processing instruction deletion or keep described trading instruction;
Trading instruction is the pointer of given transaction program as described;
Then described step S3 comprises:
S31, receive described trading instruction,
The described transaction program of S32, the described trading instruction appointment of operation.
In smart card method of commerce of the present invention,
Described step S2 comprises:
S21, receive described transaction request;
S22, search and handle or the described transaction request of pre-service, produce and search result or pre-service result;
S23, carry out settlement of transactions, produce trading instruction according to the data of described smart card;
S24, basis are searched result or the described trading instruction of pre-service result treatment.
Implement intelligent card transaction platform of the present invention and method, have following beneficial effect: owing to adopt POS terminal real-time online and trading server to carry out settlement of transactions, the security of transaction improves greatly; And the difference according to trading server can produce different trading instructions, has good expandability and opening.
POS terminal and trading instruction be arranged so that the method that can adopt multiple operation transaction program, directly the download transactions program can be simplified the POS terminal, makes it more portable; Only download the pointer of given transaction program, the POS terminal is low to network requirement, can realize consumer sale more efficiently.Being provided with of transit module can be by card (receiving total key that single department has smart card) and wild card (receiving total key that single department does not have smart card) in its differentiation to realize internally blocking the different disposal of wild card in the POS terminal, the transaction that blocks in guaranteeing; Transfer server be provided with in the time of can realizing off line better faster or the data processing during suspension.The POS terminal is connected by wired or wireless network with transfer server makes that the position of POS terminal is more random, the more convenient people consumption of paying.Adopt at least two databases and corresponding trading server can realize that transfer server is connected with a plurality of hair fastener department real-time online, realized that multiple smart card carries out multiple payment, supplements function with money, hair fastener department can add at any time or delete and not influence the operate as normal of intelligent card transaction platform.
Adopt smart card transaction system of the present invention, realized the interconnected of open intelligent card transaction platform, realized that multiple smart card carries out multiple payment, supplements function with money, and have better extensibility and opening, hair fastener department and receive single department and can add at any time or delete and the operate as normal that do not influence intelligent card transaction platform.
Description of drawings
The invention will be further described below in conjunction with drawings and Examples, in the accompanying drawing:
Fig. 1 is the structural representation of first preferred embodiment of intelligent card transaction platform of the present invention;
Fig. 2 is the structural representation of second preferred embodiment of intelligent card transaction platform of the present invention;
Fig. 3 is the structural representation of the 3rd preferred embodiment of intelligent card transaction platform of the present invention;
Fig. 4 is the structural representation of the 4th preferred embodiment of intelligent card transaction platform of the present invention;
Fig. 5 is the structural representation of the 5th preferred embodiment of intelligent card transaction platform of the present invention;
Fig. 6 is the structural representation of the preferred embodiment of smart card transaction system of the present invention.
Fig. 7 is the schematic flow sheet of first preferred embodiment of smart card method of commerce of the present invention;
Fig. 8 is the schematic flow sheet of second preferred embodiment of smart card method of commerce of the present invention;
Fig. 9 is the schematic flow sheet of the 3rd preferred embodiment of smart card method of commerce of the present invention.
Embodiment
In order to make purpose of the present invention, technical scheme and advantage clearer,, the present invention is further elaborated below in conjunction with drawings and Examples.Should be appreciated that specific embodiment described herein only in order to explanation the present invention, and be not used in qualification the present invention.
As shown in Figure 1, in first preferred embodiment of intelligent card transaction platform of the present invention, described intelligent card transaction platform comprises POS terminal 1, database 2 and trading server 3.The POS terminal is used for initiating transaction request according to the card number of smart card, receives trading instruction and concludes the business according to described trading instruction; Database 2 is used to store the data of described smart card; Trading server 3 is used to receive described transaction request, carries out settlement of transactions according to the data of described smart card, produces trading instruction.In this intelligent card transaction platform when operation,, it is on-the-spot that POS terminal 1 is deployed in consumption, and the user produces consumption in POS terminal 1, and POS terminal 1 will comprise that in real time the transaction request of card number of the smart card of consumption sends to trading server 3; Trading server 3 receives this transaction request, and according to the card number of the smart card of consuming is searched the smart card of consumption in database 2 data, carries out settlement of transactions, produces trading instruction, and trading instruction is returned to the POS terminal; POS terminal 1 receives and moves this trading instruction to finish transaction.Because POS terminal 1 is for real-time online and trading server 3 carry out settlement of transactions, rather than off line carries out, and the security of transaction is improved greatly; And because each transaction all will be passed through trading server 3, realize that by change trading server 3 different smart cards is provided with the different trading instruction of withholing (as discounting, integration etc.), have good expandability and opening.
As shown in Figure 3, in the 3rd preferred embodiment of intelligent card transaction platform of the present invention, described trading instruction is the transaction program by 1 operation of POS terminal, POS terminal 1 comprises the receiver module that receives described trading instruction, moves the operation module of described trading instruction and the processing module of deleting or keep described trading instruction according to the processing instruction of described trading server.During the operation of this intelligent card transaction platform, the receiver module of POS terminal 1 receives trading instruction, then trading instruction being sent to the operation module carries out program run and finishes consumer sale, transaction is finished post-processing module and will be deleted described trading instruction or keep described trading instruction according to the processing instruction of trading server 3, reception and use in order to trading instruction next time, certainly also can be arranged to not receive the processing instruction of trading server 3 and promptly delete described trading instruction, the processing instruction that receives trading server 3 promptly keeps described trading instruction.Adopt the POS terminal 1 and the trading instruction of this set, directly the download transactions program can be simplified POS terminal 1, makes it more portable, the selection that each trading instruction has all been carried out deletion or kept, and security is better, uses convenient.
As shown in Figure 4, in the 4th preferred embodiment of intelligent card transaction platform of the present invention, described trading instruction is for specifying the pointer of transaction program in the POS terminal 1, POS terminal 1 comprises the receiver module that receives described trading instruction, loads the operation module of described transaction program and the memory module of storing described transaction program according to described pointer.During the operation of this intelligent card transaction platform, the receiver module of POS terminal 1 receives trading instruction, searches corresponding transaction program according to trading instruction in memory module then, loads this transaction program at last in the operation module and finishes consumer sale.Adopt the POS terminal 1 and the trading instruction of this set, calling program is separated with pointer data, make the application of transaction program clear, data quantity transmitted is little, so 1 pair of network requirement of POS terminal is low, can realize consumer sale more efficiently.
As the preferred embodiment of intelligent card transaction platform of the present invention, POS terminal 1 comprises transit module, and transit module is used for the described transaction request of pre-service, and the trading instruction that produces according to pre-service result treatment trading server 3.During the operation of this intelligent card transaction platform, the total key and the corresponding card number of the part smart card in the transit module meeting data download storehouse 2 of POS terminal 1, generate the preprocessed data storehouse, when central revolving die piece receives transaction request, can comprise that the trading instruction of the key of each card is pre-service according to card number and total key generation, as successfully receiving the trading instruction that trading server 3 produces, the trading instruction of then adopting trading server 3 to produce, as the trading instruction that receives trading server 3 generations is overtime, judge then whether this smart card has carried out pre-service in transit module, if any the trading instruction of then adopting transit module to produce, as not then consumer sale failure in this locality.Being provided with of transit module can be improved the available rate that interior card is concluded the business in the POS terminal, card (receiving total key that single department has smart card) and wild card (receiving total key that single department does not have smart card) to be realizing internally blocking the different disposal of wild card in can distinguishing by it simultaneously, thereby realization is concluded the business efficiently.Certainly also can not adopt interior wild card here, and use calorie (user uses many cards) and cold card (user uses few card) to reach the overtime use that does not influence main calorie of trading server 3 transaction, make the maximizing the benefits of receiving single department when guaranteeing security.
As shown in Figure 2, in second preferred embodiment of intelligent card transaction platform of the present invention, described intelligent card transaction platform also comprises transfer server 4, transfer server 4 is used for receiving and searches and handle described transaction request, and handle the trading instruction that trading server 3 produces and send to POS terminal 1 according to searching result, transfer server 4 is connected with POS terminal 1 with trading server 3 respectively, and POS terminal 1 is connected by wired or wireless network with transfer server 4.During the operation of this intelligent card transaction platform, it is on-the-spot that POS terminal 1 is deployed in consumption, the user produces consumption in POS terminal 1, POS terminal 1 will comprise the card number of the smart card of consumption in real time, the transaction request of information such as wallet sends to transfer server 4,4 pairs of these transaction request of transfer server are searched processing, and (transfer server 4 can read the data (key and the balance amount information that comprise smart card) of the smart card of associated databases 2 at set intervals, generate this locality and search database, when transfer server 4 receives transaction request, can search and carry out settlement of transactions after searching in the process database with this locality, produce the trading instruction an of this locality, this process is called searches processing), simultaneously transaction request is sent to trading server 3, trading server 3 receives this transaction request, and the data of in database 2, searching the smart card of consumption according to the card number of smart card of consumption, carry out settlement of transactions, produce trading instruction, transfer server 4 sends to POS terminal 1 (as successfully receiving the trading instruction that trading server 3 produces according to the trading instruction of searching 3 generations of result processing trading server, the trading instruction of then adopting trading server 3 to produce, as the trading instruction that receives trading server 3 generations is overtime, the trading instruction of then adopting transfer server 4 to produce in this locality), POS terminal 1 receives and moves this trading instruction to finish transaction (as interrupting or trading server 3 then Fail Transactions of overtime response with the networking of trading server 3).Transfer server 4 relative trading servers 3 are 1 nearer from the POS terminal, network connect also more stable, in the time of therefore can realizing off line better faster or the data processing during suspension.Certainly transfer server 4 also can adopt pretreated mode to realize the transaction of off line.POS terminal 1 is connected by wired or wireless network with transfer server 4.POS terminal 1 makes that with the selection of transfer server 4 connected modes the position of POS terminal 1 can be more random, the more convenient people consumption of paying.
As shown in Figure 5, in the 5th preferred embodiment of intelligent card transaction platform of the present invention, described intelligent transaction platform comprise at least two databases 2 and with database 2 corresponding trading servers 3.Different here databases 2 can be different card sending mechanism with corresponding trading server 3, and database 2 is used to store the data of the smart card of corresponding card sending mechanism; Trading server 3 is used to receive described transaction request, carries out settlement of transactions according to the data of corresponding smart card, produces trading instruction.During the operation of this intelligent card transaction platform, it is on-the-spot that POS terminal 1 is deployed in consumption, the user produces consumption in POS terminal 1, POS terminal 1 will comprise that in real time the transaction request of card number of the smart card of consumption sends to transfer server 4,4 pairs of these transaction request of transfer server are searched and are handled or pre-service, find the corresponding trading server 3 of smart card simultaneously, again transaction request is sent to corresponding trading server 3, trading server 3 receives this transaction request, and the data of in database 2, searching the smart card of consumption according to the card number of smart card of consumption, carry out settlement of transactions, produce trading instruction, transfer server 4 sends to POS terminal 1 according to the trading instruction of searching processing or 3 generations of pre-service result treatment trading server, and (trading instruction that produces as trading server 3 is a Transaction Success, the trading instruction of then adopting trading server 3 to produce, as interrupting or trading server 3 overtime responses with the networking of trading server 3, judge then whether this smart card is searched processing or preprocessed data storehouse in this locality relevant data is arranged, if any the trading instruction of then adopting transfer server 4 to produce in this locality, as not then consumer sale failure), POS terminal 1 receives and moves this trading instruction to finish transaction or the Fail Transaction because of receive time-out.Between a plurality of card sending mechanism, adopt transfer server 4, realize different disposal (can have online and two kinds of disposal routes of off line as Nei Ka, and wild card can only in-line processing) the different intelligent card, thus the transaction rate of card in guaranteeing.Adopt at least two databases and corresponding trading server can realize that transfer server is connected with a plurality of hair fastener department real-time online; Further transfer server 4 can be concentrated to become and independently receive single department, thereby realize receiving the smart card that pattern that single department separates with hair fastener department and the single department of receipts can use a plurality of hair fastener department simultaneously.
The present invention has also constructed a kind of smart card transaction system, as shown in Figure 6, in the preferred embodiment of smart card transaction system of the present invention, described smart card transaction system comprises at least two intelligent card transaction platforms, and the transfer server 4 of each intelligent card transaction platform is connected with the trading server 3 of each intelligent card transaction platform by VPN (virtual private network) respectively.When described smart card transaction system is moved, it is on-the-spot that POS terminal 1 is deployed in consumption, the user produces consumption in POS terminal 1, POS terminal 1 will comprise that in real time the transaction request of card number of the smart card of consumption sends to transfer server 4, transfer server is searched this transaction request and is handled or pre-service, find the corresponding trading server 3 of smart card simultaneously, again transaction request is sent to corresponding trading server 3, trading server 3 receives this transaction request, and the data of in database 2, searching the smart card of consumption according to the card number of smart card of consumption, carry out settlement of transactions, produce trading instruction, transfer server 4 sends to POS terminal 1 according to the trading instruction of searching processing or 3 generations of pre-service result treatment trading server; POS terminal 1 receives and moves this trading instruction to finish transaction.Adopt smart card transaction system of the present invention, when having the characteristics of above intelligent card transaction platform, also realized the interconnected of open intelligent card transaction platform, realized that as long as multiple smart card carries out multiple payment, supplements function with money promptly hair fastener department and receive single department and all belong to described smart card transaction system, all smart cards can use in the single department of different receipts, have better extensibility and opening.The interconnected safety that has guaranteed that information transmits of transfer server 4 and trading server 3 has better guaranteed the security of transaction simultaneously.
Below by a specific embodiment this intelligent card transaction platform is described:
It is on-the-spot that POS terminal 1 is deployed in consumption, by wired or wireless network, sets up TCP/IP with transfer server 4 and be connected, and initiates transaction request to trading server 3; Trading server 3 is checked the transaction legitimacy, generates disposable trading instruction, issues to POS terminal 1, carries out trading instruction by POS terminal 1, finishes process of exchange.
Wherein the data of smart card comprises that smart card remaining sum, key etc. leave in database 2 and the card simultaneously, to guarantee and the existing application compatibility.Under online environment, remaining sum with in the two less one be as the criterion.The specific implementation logic is: if smart card remaining sum during greater than the remaining sum in the database 2, the refusal transaction; When if the smart card remaining sum is less than or equal to remaining sum in the database 2, in smart card and database 2, carry out the transaction computing synchronously; To guarantee the fund security of hair fastener department.
During 1 pair of smart card operation of POS terminal, at first read the card number of smart card, and issue trading server 3 together with the scene parameters such as wallet of appointment in the amount of money of consuming or supplement with money, the smart card; Trading server 3 is searched the key of smart card according to card number, and the remaining sum of this trading server 3 of inquiry generates disposable trading instruction in database, contains following logic in the trading instruction: the wallet balances that reads appointment in the smart card; Legitimacy by above logical check transaction; If legal, as to carry out consumption or supplement with money numerical operation operation, the wallet balances of appointment writes transaction journal in the renewal smart card.
To the trading instruction of smart card can select to be solidificated on the POS terminal 1 or by trading server 3 or transfer server 4 real time down to POS terminal 1, carry out by POS terminal 1, the result that POS terminal 1 is carried out trading instruction feeds back to trading server 3.
The present invention has also constructed a kind of smart card method of commerce, as shown in Figure 7, in the schematic flow sheet of first preferred embodiment of smart card method of commerce of the present invention, described smart card method of commerce starts from step 701, proceed to step 702 after the step 701, initiate transaction request according to the card number of smart card; Subsequently,, receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of described smart card to next step 703; Subsequently, to next step 704, receive trading instruction and conclude the business according to described trading instruction; This method ends at step 705 at last.Because for real-time online carries out settlement of transactions, rather than off line carries out, and the security of transaction is improved greatly; And because each transaction all will be carried out settlement of transactions by trading server 3, the different trading instruction of withholing (as discounting, integration etc.) can be set at different smart cards, have good expandability and opening.
As shown in Figure 8, in the schematic flow sheet of second preferred embodiment of smart card method of commerce of the present invention, described smart card method of commerce starts from step 801, proceeds to step 802 after the step 801, initiates transaction request according to the card number of smart card; Subsequently,, receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of described smart card to next step 803; Subsequently, to step 8041 or step 8051, in step 8041, receive described trading instruction; Subsequently, to next step 8042, move described trading instruction; Subsequently, to next step 8043, receive processing instruction and according to the processing instruction deletion or keep described trading instruction; In step 8051, receive described trading instruction; Subsequently, to next step 8052, move the described transaction program of described trading instruction appointment, after step 8043 or step 8052, this method ends at step 806.Trading instruction be arranged so that the method that can adopt multiple operation transaction program, directly the download transactions program can be simplified the POS terminal, makes it more portable, the selection that each trading instruction has all been carried out deletion or kept, security is better, uses convenient; Only download the pointer of given transaction program, the POS terminal is low to network requirement, can realize consumer sale more efficiently.
As shown in Figure 9, in the schematic flow sheet of the 3rd preferred embodiment of smart card method of commerce of the present invention, described smart card method of commerce starts from step 901, proceeds to step 902 after the step 901, initiates transaction request according to the card number of smart card; Subsequently, to next step 903, receive described transaction request; Subsequently,, search and handle or the described transaction request of pre-service, produce and search result or pre-service result to next step 904; Subsequently,, carry out settlement of transactions, produce trading instruction according to the data of described smart card to next step 905; Subsequently, to next step 906, according to searching result or the described trading instruction of pre-service result treatment; Subsequently, to next step 907, receive trading instruction and conclude the business according to described trading instruction; This method ends at step 908 at last.Search and handle or pretreated the different disposal that can realize the different intelligent card (can have online and two kinds of disposal routes of off line as Nei Ka, and wild card can only in-line processing) is set, thus the transaction rate of card in guaranteeing; Other concrete beneficial effect is identical with system with intelligent card transaction platform.
The above only is embodiments of the invention; be not so limit claim of the present invention; every equivalent structure transformation that utilizes instructions of the present invention and accompanying drawing content to be done, or directly or indirectly be used in other relevant technical fields, all in like manner be included in the scope of patent protection of the present invention.

Claims (10)

1. an intelligent card transaction platform is characterized in that, comprising:
POS terminal (1): be used for initiating transaction request, receive trading instruction and conclude the business according to described trading instruction according to the card number of smart card;
Database (2): the data that is used to store described smart card; With
Trading server (3): be used to receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of described smart card.
2. intelligent card transaction platform according to claim 1, it is characterized in that, described trading instruction is the transaction program by described POS terminal (1) operation, described POS terminal (1) comprises the receiver module that receives described trading instruction, moves the operation module of described trading instruction and the processing module of deleting or keep described trading instruction according to the processing instruction of described trading server (3).
3. intelligent card transaction platform according to claim 1, it is characterized in that, described trading instruction is for specifying the pointer of the interior transaction program of described POS terminal (1), described POS terminal (1) comprises the receiver module that receives described trading instruction, loads the operation module of described transaction program and the memory module of storing described transaction program according to described pointer.
4. according to the wherein arbitrary described intelligent card transaction platform of claim 1 to 3, it is characterized in that, also comprise:
Transfer server (4): be used for reception and search the described transaction request of processing, and handle the trading instruction that described trading server (3) produces and send to described POS terminal (1) according to searching result, described transfer server (4) is connected with described POS terminal (1) with described trading server (3) respectively; Described POS terminal (1) is connected by wired or wireless network with described transfer server (4).
5. according to the wherein arbitrary described intelligent card transaction platform of claim 1 to 3, it is characterized in that,
Described POS terminal (1) comprises transit module: be used for the described transaction request of pre-service, and the trading instruction that produces according to the described trading server of pre-service result treatment (3).
6. intelligent card transaction platform according to claim 4 is characterized in that, comprising:
Described transfer server (4): be used for receiving and searching and handle or the described transaction request of pre-service, and described transaction request sent to the corresponding trading server of smart card (3), send to described POS terminal (1) according to searching the trading instruction that result or the corresponding trading server of the described smart card of pre-service result treatment (3) produce simultaneously; Described transfer server (4) is connected with described POS terminal (1) with each trading server (3) respectively;
At least two and the corresponding described database of described smart card (2); With
With the corresponding described trading server of described smart card (3): be used to receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of corresponding smart card.
7. smart card transaction system, it is characterized in that, described smart card transaction system comprises arbitrary described intelligent card transaction platform at least two claims 4 or 6, and the transfer server of each intelligent card transaction platform (4) is connected with the trading server (3) of each intelligent card transaction platform by VPN (virtual private network) respectively.
8. a smart card method of commerce is characterized in that, comprises step:
S1, initiate transaction request according to the card number of smart card;
S2, receive described transaction request, carry out settlement of transactions, produce trading instruction according to the data of described smart card;
S3, receive trading instruction and conclude the business according to described trading instruction.
9. smart card method of commerce according to claim 8 is characterized in that,
Trading instruction is the transaction program of operation as described,
Described step S3 comprises:
S31, receive described trading instruction,
S32, move described trading instruction,
S33, receive processing instruction and according to the processing instruction deletion or keep described trading instruction;
Trading instruction is the pointer of given transaction program as described;
Then described step S3 comprises:
S31, receive described trading instruction,
The described transaction program of S32, the described trading instruction appointment of operation.
10. smart card method of commerce according to claim 8 is characterized in that,
Described step S2 comprises:
S21, receive described transaction request;
S22, search and handle described transaction request, produce and search result;
S23, carry out settlement of transactions, produce trading instruction according to the data of described smart card;
S24, basis are searched result and are handled described trading instruction.
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CN103198587A (en) * 2012-01-04 2013-07-10 中国移动通信集团公司 Point of sale (POS) terminal processing method and POS terminal
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CN103679450A (en) * 2012-09-13 2014-03-26 卓望数码技术(深圳)有限公司 Application using method, application using device and corresponding application terminal
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CN110119942A (en) * 2018-02-07 2019-08-13 上海复旦微电子集团股份有限公司 Bus IC card on-line transaction method and device, computer readable storage medium
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