CN101996367A - Open intelligent card payment system and method - Google Patents
Open intelligent card payment system and method Download PDFInfo
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- CN101996367A CN101996367A CN2009100417860A CN200910041786A CN101996367A CN 101996367 A CN101996367 A CN 101996367A CN 2009100417860 A CN2009100417860 A CN 2009100417860A CN 200910041786 A CN200910041786 A CN 200910041786A CN 101996367 A CN101996367 A CN 101996367A
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Abstract
The invention discloses an intelligent card payment system with an open structure, which comprises a central processing system of a card issuing company, a central processing system of a receipt-accepting company, a point of sales (POS) and a radio frequency identification device (RFID), wherein the central processing system of the receipt-accepting company and the POS are connected by a real-time data link or network. The invention also provides an intelligent card payment method. On the premise of keeping the conventional identification (IC) cards, the system and the method can realize the interconnection and intercommunication of intelligent card payment application; meanwhile, the security of the system is improved.
Description
Technical field
The present invention relates to the intelligent card payment technology of based semiconductor chip.
Background technology
Rapid payment is the conventional art of general contactless encryption storage-type IC-card at present, and value of money is stored on the card, is the offline transaction mode.Service terminal is carried out consumption or is supplemented operation with money by the stored value card on the cipher key operation IC-card; The security of system depends on key.
At present, the report that a large amount of IC-card sheet algorithms are cracked occurred, the IC-card security of system has been caused very big hidden danger.In a single day card suffers to duplicate on a large scale, and the IC-card system will face huge threat.The security of raising system is a urgent problem in the industry.2009, industry and information portion were issued " about carrying out the notice that serious security breaches work appears in reply part IC-card ", required each machine-operated and department of various places to carry out investigation and reply work to the IC-card operating position.
Conventional art is the structure of a sealing.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 interests main body of distribution card and deposit taking must and provide the interests main body of payment services consistent with installation POS.In order to reduce the card that the consumer uses, a key can only be adopted in city alive, an area, and operator, trade company, consumer have been formed the scale threshold.
The business logic of conventional art is solidificated on the POS, and the cost of increase or modification business logic is very high.
Link is many, function singleness, cost height; The service of reporting the loss generally is not provided, influences consumer's confidence, the consumer is unwilling to deposit in fund; Can not roam, can not satisfy the demand of society.
Summary of the invention
Problem solved by the invention is: existing IC-card payment technology is dangerous, do not support to interconnect, do not provide the service of reporting the loss.The invention provides the smart card payment system and the method for an open architecture, need not set in advance parameter to POS or change under the prerequisite of existing IC-card sheet, accept the card consumption that any hair fastener is used; The security of raising system.
The technical solution used in the present invention is, a kind of smart card payment system of open architecture includes the central processing system of hair fastener company, central processing system, terminating machine and the RFID of the single company of receipts.Receive between the central processing system and terminating machine of single company, connect by real-time, reliable data link or network; The central processing system of hair fastener company and receiving between the central processing system central processing system terminating machine of single company is by in real time, data link or network connect reliably.
Described RFID encrypts a kind of in storage-type IC-card sheet, non-encrypted storage-type IC-card sheet or the CPU type card.
The present invention also provides a kind of intelligent card payment method of opening, in the above-mentioned central processing system that includes hair fastener company, receive in the system of central processing system, terminating machine and RFID of single company and realize, may further comprise the steps:
(a) bankcard consumption or when supplementing with money, POS reads card number sends to the center management system of receiving single company together with the scene informations such as wallet of consumption or the amount of money of supplementing with money, selection;
(b) center management system of the single company of receipts is transmitted to above information the center management system of hair fastener company;
(c) hair fastener company checks consumption or the legitimacy of supplementing with money; If approve this transaction, then according to the model (as CPU, system architecture etc.) of POS, according to its card applied logic, be created on the read-write card-programm that this POS goes up operation, this program relates at least: the key of this card, the definition of wallet, fund flowing water etc., and issue and receive single company, receive single company and issue POS;
(d) POS downloads this read-write card-programm, packs in internal memory and carries out this read-write card-programm;
(e) POS issues execution result the center management system of receiving single company; The center management system of receiving single company writes down this transaction, is transmitted to the center management system of hair fastener company again.
Beneficial effect of the present invention is: do not changing under a large amount of at present IC-card sheet prerequisites of using, with existing payment system compatibility; Need not set in advance parameter and replacing program to POS, accept the card consumption of other hair fastener companies; The remaining sum of card can be checked and check in hair fastener company in real time, takes precautions against the possibility that cracks the key of IC-card and increase emptily the card deposit, the safety of safeguards system; Based on online structure, can realize system of real name, the service of reporting the loss in real time is provided, improve consumer's confidence; Be extended to the consumption of wholesale.Can realize complicated business logic, expand diversified application.
Description of drawings
Fig. 1 is the structural drawing of smart card payment system among the present invention.
Fig. 2 is the process flow diagram of intelligent card payment method among the present invention.
Fig. 3 is among the present invention, the structural drawing of a preferred embodiment.
Fig. 4 is among the present invention, the method for payment process flow diagram of a preferred embodiment.
Embodiment
Below in conjunction with accompanying drawing and embodiment the present invention is done and to describe in further detail.
As shown in Figure 1, the smart card payment system of open architecture described in the invention includes the central processing system of hair fastener company, central processing system, terminating machine and the RFID of the single company of receipts.Receive between the central processing system and terminating machine of single company, connect by real-time, reliable data link or network; The central processing system of hair fastener company and receiving between the central processing system central processing system terminating machine of single company is by in real time, data link or network connect reliably.
As shown in Figure 2, intelligent card payment method described in the invention may further comprise the steps:
(a) bankcard consumption or when supplementing with money, POS reads card number sends to the center management system of receiving single company together with the scene informations such as wallet of consumption or the amount of money of supplementing with money, selection;
(b) center management system of the single company of receipts is transmitted to above information the center management system of hair fastener company;
(c) hair fastener company checks consumption or the legitimacy of supplementing with money; If approve this transaction, then according to the model (as CPU, system architecture etc.) of POS, according to its card applied logic, be created on the read-write card-programm that this POS goes up operation, this program relates at least: the key of this card, the definition of wallet, fund flowing water etc., and issue and receive single company, receive single company and issue POS;
(d) POS downloads this read-write card-programm, packs in internal memory and carries out this read-write card-programm;
(e) POS issues execution result the center management system of receiving single company; The center management system of receiving single company writes down this transaction, is transmitted to the center management system of hair fastener company again.
In a preferred embodiment shown in Figure 3, the central processing system of hair fastener company adopts ICP/IP protocol to be connected with the central processing system of receiving single company, can set up VPN on the basis of public network, to guarantee the reliability of communication.Receive the system that single company can accept hair fastener company adding oneself at any time, and do not need POS is made any modification or change.
Below in conjunction with Fig. 3, the method for payment of key diagram 4.
(a) bankcard consumption or when supplementing with money, POS reads card number sends to the center management system of receiving single company together with the scene informations such as wallet of consumption or the amount of money of supplementing with money, selection;
(b) center management system of the single company of receipts is transmitted to above information the center management system of hair fastener company;
(c) hair fastener company checks consumption or the legitimacy of supplementing with money; If approve this transaction, then according to the model (as CPU, system architecture etc.) of POS, according to its card applied logic, be created on the read-write card-programm that this POS goes up operation, this program relates at least: the key of this card, the definition of wallet, fund flowing water etc., and issue and receive single company, receive single company and issue POS; If do not approve this transaction, then by notifying the center management system notice POS that receives single company not accept and finishing this transaction;
(d) POS downloads this read-write card-programm, packs in internal memory and carries out this read-write card-programm;
(e) POS issues execution result the center management system of receiving single company; The center management system of receiving single company writes down this transaction, is transmitted to the center management system of hair fastener company again.
Beneficial effect of the present invention is: under the IC-card sheet prerequisites of not changing at present a large amount of uses, with existing payment system compatibility; Need not set in advance parameter and replacing program to POS, accept the card consumption of other hair fastener companies; Hair fastener company can real-time core to the remaining sum that checks card, take precautions against the possibility that cracks the key of IC-card and increase emptily the card deposit, the safety of safeguards system; Based on online structure, can realize system of real name, the service of reporting the loss in real time is provided, improve consumer's confidence; Be extended to the consumption of wholesale. Can realize complicated business logic, expand diversified application.
Claims (3)
1. the smart card payment system of an open architecture, mainly include the central processing system of hair fastener company, central processing system, POS and the RFID of the single company of receipts, it is characterized in that: receive between the central processing system and POS of single company, connect by real-time, reliable data link or network; The central processing system of hair fastener company and receiving between the central processing system of single company is by in real time, data link or network connect reliably.
2. smart card payment system according to claim 1 is characterized in that: described RFID encrypts a kind of in storage-type IC-card sheet, non-encrypted storage-type IC-card sheet or the CPU type card.
3. the intelligent card payment method of an open architecture in the central processing system that includes hair fastener company, receive in the system of central processing system, POS and RFID of single company and realize, is characterized in that, may further comprise the steps:
(a) bankcard consumption or when supplementing with money, POS reads card number sends to the center management system of receiving single company together with the scene informations such as wallet of consumption or the amount of money of supplementing with money, selection;
(b) center management system of the single company of receipts is transmitted to above information the center management system of hair fastener company;
(c) hair fastener company checks consumption or the legitimacy of supplementing with money; If approve this transaction, then according to the model (as CPU, system architecture etc.) of POS, according to its card applied logic, be created on the read-write card-programm that this POS goes up operation, this program relates at least: the key of this card, the definition of wallet, fund flowing water etc., and issue and receive single company, receive single company and issue POS;
(d) POS downloads this read-write card-programm, packs in internal memory and carries out this read-write card-programm;
(e) POS issues execution result the center management system of receiving single company; The center management system of receiving single company writes down this transaction, is transmitted to the center management system of hair fastener company again.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100417860A CN101996367A (en) | 2009-08-11 | 2009-08-11 | Open intelligent card payment system and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100417860A CN101996367A (en) | 2009-08-11 | 2009-08-11 | Open intelligent card payment system and method |
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| CN101996367A true CN101996367A (en) | 2011-03-30 |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103839339A (en) * | 2012-11-27 | 2014-06-04 | 中国银联股份有限公司 | Offline transaction message loading method and offline transaction message uploading system |
| CN104025556B (en) * | 2011-09-01 | 2018-08-10 | 艾利丹尼森公司 | Equipment, system and method for consumer's tracking |
| CN109582405A (en) * | 2017-09-29 | 2019-04-05 | 慧与发展有限责任合伙企业 | Use the safety survey of tabulating equipment frame |
| CN109582406A (en) * | 2017-09-29 | 2019-04-05 | 慧与发展有限责任合伙企业 | Use the safety survey based on drama of tabulating equipment frame |
-
2009
- 2009-08-11 CN CN2009100417860A patent/CN101996367A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104025556B (en) * | 2011-09-01 | 2018-08-10 | 艾利丹尼森公司 | Equipment, system and method for consumer's tracking |
| CN103839339A (en) * | 2012-11-27 | 2014-06-04 | 中国银联股份有限公司 | Offline transaction message loading method and offline transaction message uploading system |
| CN103839339B (en) * | 2012-11-27 | 2016-03-09 | 中国银联股份有限公司 | A kind of offline transaction message up sending method and offline transaction message up sending system |
| CN109582405A (en) * | 2017-09-29 | 2019-04-05 | 慧与发展有限责任合伙企业 | Use the safety survey of tabulating equipment frame |
| CN109582406A (en) * | 2017-09-29 | 2019-04-05 | 慧与发展有限责任合伙企业 | Use the safety survey based on drama of tabulating equipment frame |
| CN109582406B (en) * | 2017-09-29 | 2021-11-30 | 慧与发展有限责任合伙企业 | Script-based security survey using a card system framework |
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Application publication date: 20110330 |