CN103020823A - Bank card payment system based on market trace platform and payment settlement method - Google Patents
Bank card payment system based on market trace platform and payment settlement method Download PDFInfo
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- CN103020823A CN103020823A CN201210527102XA CN201210527102A CN103020823A CN 103020823 A CN103020823 A CN 103020823A CN 201210527102X A CN201210527102X A CN 201210527102XA CN 201210527102 A CN201210527102 A CN 201210527102A CN 103020823 A CN103020823 A CN 103020823A
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Abstract
The invention discloses a bank card payment system based on a market trace platform and a payment settlement method. The bank card payment system comprises an external connection unit, a transaction service unit, a security policy deployment unit, an electronic scale information collection unit and a trace information service unit. A bank business system is connected with the transaction service unit through the external connection unit, and the transaction service unit is connected with the trace information service unit through the security policy deployment unit A. The payment settlement method comprises the steps of card swiping, payment information exchange between the trace platform and a bank, card legality and authenticity verification of the bank, card-card transfer and the like. On the basis of the market trace platform, a financial integrated circuit (IC) card containing trace information and an electronic scale supporting card reading are introduced to seamlessly connecting the market trace platform and the bank business system, safe and reliable finance-level payment settlement is achieved, and fund payment of contracting parties in the commerce and trade market is greatly simplified and facilitated.
Description
Technical field
The present invention relates to a kind of bank card paying system, particularly relate to a kind of bank card paying system and payment and settlement methods of reviewing platform based on market of using IC-cards of supporting more.
Background technology
The generation of traceability system results from the fear that Britain rabid ox disease in 1996 causes; the salmonella-polluted event of pork of two food safety affairs in addition---Denmark and Scotland Escherichia coli event (cause 21 people dead) are also so that the consumer of European Union lacks confidence to government's food safety Regulation, but these food security crises have also promoted the foundation of traceability system simultaneously.For this reason, the livestock products traceability system at first produces in European Union's scope and sets up.But the tracing management by food provides institute's consumer food more detailed information for the consumer.Can foretell that " can review " changes management is the certainty of future development, it will become the potential motive that promotes the agricultural trade development.
But China began to set up the tracing management system after 2000, and ensuring food safety as the emphasis of reviewing the system implementation supervision.2002, Ministry of Agriculture's issue " animal immune identity management way ", regulation pig, ox, sheep must be worn immune ear tag, set up immune file management system; 2003, State General Administration for Quality Supervision implemented " Chinese bar code forward engineer "; 2006, implement " agricultural product quality and safety method ", thereafter Department of Commerce promulgates The Measures for the Administration of Food Safety in the Circulation Sector, regulation wholesale market of agricultural products and agricultural product supply base are by setting up place (factory) hook system, voucher solicitation rope ticket system of check and acceptance, and purchase and sale ledger system etc., beginning is tentatively set up food security and can be reviewed system, in time investigating and prosecuting food-safety problem from the source, provides institutional guarantee.
In fact traceability system is exactly to adopt informationalized means, realizes the electronization of voucher solicitation rope ticket, purchase and sale ledger system, adds the responsibility control of the logical node of strong convection and operation main body, carries out electronic accounting in the wholesale market, guarantees to review the integrality of flow process.At present, medicine, food and agricultural product are as safe, the healthy three major types product of direct relation people's life, and the application development of its quality safety traceability system is very fast, has obtained good social effect.
Although the application of traceability system has obtained certain progress, in general, also be at present and do things in his own way, disperse the state that develops, particularly lack participating in directly of bank finance mechanism, restricted three stream unifications of logistics, information flow and cash flow.Because the one-level wholesale market is larger, the user is numerous, and the commodity transaction amount is large, and Capital Flow is frequent and trading volume is very large too, and mechanism participates in in the urgent need to bank finance, for users provide convenience, efficiently capital settlement service.But existing wholesale market does not have to realize the networking intercommunication with commercial bank substantially, even the market that has is provided with the bank card terminal equipment of bank finance mechanism, but the user must hold two even many IC-cards and just can finish payment and settlement, review card for one, being used for marketing information reviews, another is bank card, be used for capital settlement, although the user can turn money on the spot like this, but because market is reviewed with market clearing and is not combined, the user need to just can finish market through two stages and review and settle accounts, and brings very big inconvenience to the user.Moreover, belong to market management owing to review card, bank card belongs to bank management, so also is unfavorable for very much unified management, and because participant is many, is easy to be utilized by the opportunist, and tracing information may not be truly with accurate.Therefore, best bet is exactly that card with two kinds of functions is integrated on the card, and the existing platform of reviewing in wholesale market docked with banking system, utilize an integrated market to review IC-card with payment function, realize that quickly and easily market is reviewed and payment and settlement, so, the safety problem of payment and settlement just becomes problem demanding prompt solution.
Summary of the invention
First purpose of the present invention provides a kind of financial IC card that comprises the market tracing information, this card is the PBOC2.0 standard based on " China's finance integrated circuit (IC) calliper model ", adopt the high strength asymmetric encryption techniques, realize that for review platform in market payment transaction provides the safety guarantee of finance level.
Second purpose of the present invention provides a kind of electronic scales that reads the financial IC card that comprises the market tracing information, this electronic scales is except the basic function with conventional electrical scale, also match with described financial IC card, described financial IC card is carried out legitimate verification, read the information of financial IC card and be decrypted and identify, realize that for review platform in market payment transaction provides the safety guarantee of finance level.
The 3rd purpose of the present invention provides a kind of bank payment system of reviewing platform based on market, this system realizes seamless link and the comprehensive integration with banking system, and communication unimpeded, safe between platform and the banking system and exchange are reviewed in guarantee market.
The 4th purpose of the present invention provides a kind of bank card payment and settlement method of reviewing platform based on market, this payment and settlement method uses 5 markets to review the user profile of password, financial IC card, card number information and binding card number, verify holder's authenticity and the legitimacy that holds, guarantee the safety of payment transaction.
Above-mentioned purpose of the present invention is achieved through the following technical solutions: a kind of financial IC card that comprises the market tracing information, it is the PBOC2.0 standard that this financial IC card meets " China's finance integrated circuit (IC) calliper model ", it comprises financial subregion, it also comprises an expanded application subregion, and described expanded application subregion is used for record market user profile.
The described expanded application subregion of this financial IC card comprises user basic information district and customer transaction block of information, and described customer transaction block of information comprises transaction essential information piece and transaction details message block.
Described user basic information district comprises subscriber-coded territory, user's name territory, industrial and commercial registration registration card number territory or identification card number territory, user's character territory, user type territory and telephone number territory at least.
Described transaction essential information piece comprises owner of cargo's encoding domain, owner of cargo's title-domain, buyer's encoding domain, buyer's title-domain and transaction voucher territory at least;
Described transaction details message block comprises commodity code territory, trade name territory, weight territory, unit price territory and purpose region at least.
The using method of this financial IC card is: bank only reads this information of blocking financial subregion, card number and the expanded application partition information that platform reads financial subregion simultaneously reviewed in market, report higher level market to review platform the expanded application partition information, and the expanded application partition information after will putting in order transfers to cooperative bank together with financial subregion card number, and cooperative bank accordingly information finishes payment and settlement.
A kind of electronic scales that reads the financial IC card that comprises the market tracing information, it comprises a governor circuit, PSAM module, weighing and sensing module, communication interface circuit and near aware circuit, PSAM module, weighing and sensing module, communication interface circuit and be connected with governor circuit near aware circuit, communication interface circuit also is connected with host computer.
This electronic scales also comprises a display driver circuit, and an end of display driver circuit is connected with governor circuit, and the other end is connected with display.
This electronic scales also comprises a keyboard interface circuit, and an end of keyboard interface circuit is connected with governor circuit, and the other end is connected with keyboard.
The described communication interface circuit of this electronic scales is the RS232 serial interface circuit.
The described communication interface circuit of this electronic scales is usb circuit.
The described communication interface circuit of this electronic scales is the wireless communication interface circuit.
The described wireless communication interface of this electronic scales comprises that bluetooth, RFID, WIFI, Zigbee or Ultra Wideband are the UWB interface.
This electronic scales is described to be that contact is near aware circuit near aware circuit.
This electronic scales is described to be contactless near aware circuit near aware circuit.
The described governor circuit of this electronic scales is microprocessor CPU or single-chip microcomputer.
A kind of bank card paying system of reviewing platform based on market, it comprises the electronic scales information acquisition unit, security strategy deployment unit B, tracing information service unit and security strategy deployment unit C, it also comprises and outreaches the unit, transactional services unit and security strategy deployment unit A, outreaching the unit is connected banking system with the transactional services unit, the transactional services unit is connected with the tracing information service unit by security strategy deployment unit A, the tracing information service unit is connected with the electronic scales information acquisition unit by security strategy deployment unit B, and the tracing information service unit is reviewed platform by security strategy deployment unit C with higher level market and is connected; The described unit that outreaches comprises that at least two outreach router, and one is active router, and another is standby router, and two routers access respectively the circuit of different operators, main line access active router, standby line access standby router; Described transactional services unit comprises active and standby trading server, active and standby database server and a high-capacity storage at least, and active and standby trading server and active and standby database server are used for carrying out payment transaction and data backup with banking system; Described security strategy deployment unit A comprises two fire walls at least, is used for logical division and the security control of transactional services unit and tracing information service unit; Described tracing information service unit comprises an intruding detection system and two traceability system servers at least, reviews the server superior and reviews platform tracing information is provided, and intruding detection system provides the record of abnormal access and audit; Described security strategy deployment unit B comprises a fire wall at least, is used for logical division and the security control of tracing information service unit and electronic scales information acquisition unit; Described electronic scales information acquisition unit comprises at least one electronic scales, a safety auditing system and two communication front servers, safety auditing system is responsible for the safety certification to electronic scales, and the communication front server is responsible for the information of electronic scales collection is analyzed, processed and transmits; Described security strategy deployment unit C comprises a fire wall at least, is used for tracing information service unit and higher level and reviews logical division and security control between platform.
A kind of bank card payment and settlement method of reviewing platform based on market, it may further comprise the steps:
S101: the user calculates dealing money automatically by electronic scales;
S102: the user brushes financial IC card, and reviews password by the prompting input;
S103: electronic scales reads financial IC card, call the PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S104: the binding relationship of setting up when the banking system basis is opened card finds out the card number that this user binds;
S105: if banking system inconsistent, returns the bank card number and the contrast of binding card number that receive to error message, and will move the account notice by the bank short message platform and send on the dealing user mobile phone;
S106: if card number contrast is consistent, then whether correct in checking if reviewing password, as review password bad, returns to re-enter and review encrypted message;
S107: it is correct to review password, reviews platform electronic accounting module and submits card card transfer request to banking system;
S108: banking system is finished and is snapped into the card processing of transferring accounts;
S109: banking system returns the result that transfers accounts to reviewing platform electronic accounting module, and will move the account notice by the bank short message platform and send on the dealing user mobile phone;
S110: review the platform electronic accounting module result that will transfer accounts and show at electronic scales.
In this method, when banking system is when transferring accounts failure information to what review that platform electronic accounting module returns, review platform electronic accounting module and will again send transfer request, request number of times is no more than 2 times.
This method comprises that also a financial IC card opens the card step in batches:
S201: the wholesale market is passed to bank with the user profile data file;
S202: the bank card center writes user basic information according to the user profile data file at the expanded application subregion of financial IC card;
S203: the bank card center writes bank card number information at the financial subregion of financial IC card;
S204: financial IC card is sent out to the site in the bank card center;
S205: the processing of opening an account is blocked in the site, and the financial subregion of financial IC card and the information of expanded application subregion are set up one to one relation;
S206: the user arranges the financial subregion password of financial IC card and reviews password in the site;
S207: open the card success.
This method also comprises an online card step of opening:
S301: the bank card center writes bank card number information at the financial subregion of financial IC card;
S302: financial IC card is sent out to the site in the bank card center;
S303: the user is with identity information to handle out card business to the site;
S304: the site is according to user's the identity information expanded application subregion typing user basic information at financial IC card;
S305: the processing of opening an account is blocked in the site, and the financial subregion of financial IC card and the information of expanded application subregion are set up one to one relation;
S306: the user arranges the financial subregion password of financial IC card and reviews password in the site;
S307: open the card success.
This method also comprises newly-built or reset and review a password step:
S401: the user reviews the newly-built of password or replacement with upper I.D. and financial IC card to appointed bank's site sales counter;
S402: bank confirms user's identity information, comprises the affirmation of ID (identity number) card information and user profile;
S403: bank confirms can be newly-built or reset when reviewing password, ask the user to input 5 and review password, otherwise it is newly-built or reset professional to handle password;
S404: finish.
This method also comprises a step that generates the reconciliation file, the every light terminal hour of bank generates the transaction details file, and on deliver to report server, bank outlets can download detailed file at second day and carry out reconciliation, after the detailed file generated success, adopt script to carry out cleaning and the backup of data, background data base can keep data in January.
This method also comprises the step that queries the balance:
S501: the user brushes financial IC card at electronic scales, and reviews password by the prompting input;
S502: electronic scales reads financial IC card, call the PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S503: the binding relationship of setting up when the banking system basis is opened card finds out the card number that this user binds;
S504: if banking system inconsistent, returns the bank card number and the contrast of binding card number that receive to error message;
S505: if the card number contrast is consistent, whether password is reviewed in checking correct, reviews password bad, returns to re-enter and review encrypted message;
S506: it is correct to review password, reviews platform electronic accounting module and submits the inquiry into balance request to banking system;
S507: banking system carries out the inquiry into balance processing according to tracing information and the bank card number that market provides;
S508: banking system returns account balance to reviewing platform electronic accounting module;
S509: review platform electronic accounting module and return account balance to electronic scales;
S510: electronic scales is showing the screen display account balance.
The invention has the beneficial effects as follows:
(1) financial IC card of the present invention can be realized realizing transfer of financial resources again, for the user brings great convenience to the reviewing of merchandise news;
(2) electronic scales of the present invention is except the basic function of finishing the conventional electrical scale, also described financial IC card is carried out legitimate verification, read the information of financial IC card and carry out decryption processing, realize that for review platform in market payment transaction provides the safety guarantee of Financial information safety more than three grades;
(3) bank payment system of reviewing platform based on market of the present invention has been realized seamless link and the comprehensive integration with banking system, has ensured that market reviews communication unimpeded, safe between platform and the banking system and exchange;
(4) bank card payment and settlement method of reviewing platform based on market of the present invention, use 5 in market to review the user profile of password, financial IC card, card number information and binding card number, the authenticity of comprehensive authentication of users and the legitimacy that holds have been guaranteed the safety of payment transaction;
(5) because bank card adopts the system of real name application to get, realized system of real name as bank thereby review platform in market, ensured that market reviews authenticity and the validity of platform each side participant information, avoided by the lawless person utilize possible;
(6) the present invention does not use bank card password in the payment and settlement process, can guarantee that user's bank card password information is not revealed, and can reach the safety guarantee of Financial information safety more than three grades;
(7) financial IC card review password and bank card password is arranged to different secret, reviewing password is 5, bank card password is 6, more has to be used in the safety that ensures user account, even financial IC card is lost, also is difficult for the user is caused damage;
(8) the present invention combines traceability system and payment and settlement system, has realized information flow, logistics and cash flow three stream unifications, and the functional department that is conducive to be correlated with grasps merchandise news, price information and Capital Flow comprehensively and regulates and control.
Description of drawings
Fig. 1 is the data store organisation synoptic diagram of financial IC card of the present invention;
Fig. 2 is the electric circuit constitute block diagram of electronic scales of the present invention;
Fig. 3 is that the contact of electronic scales of the present invention is near the connection layout of aware circuit and governor circuit;
Fig. 4 is the contactless near the be connected block diagram of aware circuit with governor circuit of electronic scales of the present invention;
Fig. 5 is the block diagram of system of the present invention;
Fig. 6 is system topology block diagram of the present invention;
Fig. 7 is the process flow diagram of payment and settlement method of the present invention;
Fig. 8 is the process flow diagram of opening in batches card among the present invention;
Fig. 9 is the online process flow diagram of opening card among the present invention;
Figure 10 is the process flow diagram of inquiry into balance among the present invention.
Embodiment
Below in conjunction with accompanying drawing technical scheme of the present invention is described in further detail, but protection scope of the present invention is not limited to the following stated.
A kind of financial IC card that comprises the market tracing information, it is the PBOC2.0 standard that this financial IC card meets " China's finance integrated circuit (IC) calliper model ", it comprises financial subregion, and it also comprises an expanded application subregion, and described expanded application subregion is used for record market user profile.
The described expanded application subregion of this financial IC card comprises user basic information district and customer transaction block of information, and described customer transaction block of information comprises transaction essential information piece and transaction details message block.
Described user basic information district comprises subscriber-coded territory, user's name territory, industrial and commercial registration registration card number territory or identification card number territory, user's character territory, user type territory and telephone number territory at least.
Described transaction essential information piece comprises owner of cargo's encoding domain, owner of cargo's title-domain, buyer's encoding domain, buyer's title-domain and transaction voucher territory at least.
Described transaction details message block comprises commodity code territory, trade name territory, weight territory, unit price territory and purpose region at least.
The data store organisation of this financial IC card as shown in Figure 1.
The using method of this financial IC card is: bank only reads this information of blocking financial subregion, card number and the expanded application partition information that platform reads financial subregion simultaneously reviewed in market, report higher level market to review platform the expanded application partition information, and the expanded application partition information after will putting in order transfers to cooperative bank together with financial subregion card number, and cooperative bank accordingly information finishes payment and settlement.
A kind of electronic scales that reads the financial IC card that comprises the market tracing information, as shown in Figure 2, it comprises a governor circuit, PSAM module, weighing and sensing module, communication interface circuit and near aware circuit, PSAM module, weighing and sensing module, communication interface circuit and be connected with governor circuit near aware circuit, communication interface circuit also is connected with host computer.
This electronic scales also comprises a display driver circuit, and an end of display driver circuit is connected with governor circuit, and the other end is connected with display.
This electronic scales also comprises a keyboard interface circuit, and an end of keyboard interface circuit is connected with governor circuit, and the other end is connected with keyboard.
The described communication interface circuit of this electronic scales is the RS232 serial interface circuit.
The described communication interface circuit of this electronic scales is usb circuit.
The described communication interface circuit of this electronic scales is the wireless communication interface circuit.
The described wireless communication interface of this electronic scales comprises that bluetooth, RFID, WIFI, Zigbee or Ultra Wideband are the UWB interface.
As shown in Figure 3, this electronic scales described near aware circuit can for contact near aware circuit, when using financial IC card, the P1 of financial IC card, P2, P3, P4 pin link to each other with governor circuit by resistance.
As shown in Figure 4, this electronic scales is described can be for contactless near aware circuit near aware circuit, contactlessly comprises antenna and aerial coupling circuit near aware circuit, and antenna links to each other with aerial coupling circuit, and aerial coupling circuit links to each other with governor circuit.
The described governor circuit of this electronic scales is microprocessor CPU or single-chip microcomputer.
Such as Fig. 5, shown in Figure 6, a kind of bank card paying system of reviewing platform based on market, it comprises the electronic scales information acquisition unit, security strategy deployment unit B, tracing information service unit and security strategy deployment unit C, it also comprises and outreaches the unit, transactional services unit and security strategy deployment unit A, outreaching the unit is connected banking system with the transactional services unit, the transactional services unit is connected with the tracing information service unit by security strategy deployment unit A, the tracing information service unit is connected with the electronic scales information acquisition unit by security strategy deployment unit B, and the tracing information service unit is reviewed platform by security strategy deployment unit C with higher level market and is connected; The described unit that outreaches comprises that at least two outreach router, and one is active router, and another is standby router, and two routers access respectively the circuit of different operators, main line access active router, standby line access standby router; Described transactional services unit comprises active and standby trading server, active and standby database server and a high-capacity storage at least, and active and standby trading server and active and standby database server are used for carrying out payment transaction and data backup with banking system; Described security strategy deployment unit A comprises two fire walls at least, is used for logical division and the security control of transactional services unit and tracing information service unit; Described tracing information service unit comprises an intruding detection system and two traceability system servers at least, reviews the server superior and reviews platform tracing information is provided, and intruding detection system provides the record of abnormal access and audit; Described security strategy deployment unit B comprises a fire wall at least, is used for logical division and the security control of tracing information service unit and electronic scales information acquisition unit; Described electronic scales information acquisition unit comprises at least one electronic scales, a safety auditing system and two communication front servers, safety auditing system is responsible for the safety certification to electronic scales, and the communication front server is responsible for the information of electronic scales collection is analyzed, processed and transmits; Described security strategy deployment unit C comprises a fire wall at least, is used for tracing information service unit and higher level and reviews logical division and security control between platform.
As shown in Figure 7, a kind of bank card payment and settlement method of reviewing platform based on market, it may further comprise the steps:
S101: the user calculates dealing money automatically by electronic scales;
S102: the user brushes financial IC card, and reviews password by the prompting input;
S103: electronic scales reads financial IC card, call the PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S104: the binding relationship of setting up when the banking system basis is opened card finds out the card number that this user binds;
S105: if banking system inconsistent, returns the bank card number and the contrast of binding card number that receive to error message, and will move the account notice by the bank short message platform and send on the dealing user mobile phone;
S106: if card number contrast is consistent, then whether correct in checking if reviewing password, as review password bad, returns to re-enter and review encrypted message;
S107: it is correct to review password, reviews platform electronic accounting module and submits card card transfer request to banking system;
S108: banking system is finished and is snapped into the card processing of transferring accounts;
S109: banking system returns the result that transfers accounts to reviewing platform electronic accounting module, and will move the account notice by the bank short message platform and send on the dealing user mobile phone;
S110: review the platform electronic accounting module result that will transfer accounts and show at electronic scales.
In this method, when banking system is when transferring accounts failure information to what review that platform electronic accounting module returns, review platform electronic accounting module and will again send transfer request, request number of times is no more than 2 times.
As shown in Figure 8, this method comprises that also a financial IC card opens the card step in batches:
S201: the wholesale market is passed to bank with the user profile data file;
S202: the bank card center writes user basic information according to the user profile data file at the expanded application subregion of financial IC card;
S203: the bank card center writes bank card number information at the financial subregion of financial IC card;
S204: financial IC card is sent out to the site in the bank card center;
S205: the processing of opening an account is blocked in the site, and the financial subregion of financial IC card and the information of expanded application subregion are set up one to one relation;
S206: the user arranges the financial subregion password of financial IC card and reviews password in the site;
S207: open the card success.
As shown in Figure 9, this method also comprises an online card step of opening:
S301: the bank card center writes bank card number information at the financial subregion of financial IC card;
S302: financial IC card is sent out to the site in the bank card center;
S303: the user is with identity information to handle out card business to the site;
S304: the site is according to user's the identity information expanded application subregion typing user basic information at financial IC card;
S305: the processing of opening an account is blocked in the site, and the financial subregion of financial IC card and the information of expanded application subregion are set up one to one relation;
S306: the user arranges the financial subregion password of financial IC card and reviews password in the site;
S307: open the card success.
Open in the card process online, the bank card center can send out simultaneously the PSAM card female when sending out financial IC card to the site, this mother PSAM jig has read-write properties, female PSAM cartoon is crossed the information of reading financial IC card by the computer terminal, and to the expanded application subregion typing user basic information of financial IC card, at electronic scales the PSAM module is arranged, this PSAM module refers to have the attribute of reading, can only read the information of financial IC card, can not typing and revise the information of financial IC card, by the asymmetric manner encryption and decryption, they have different private keys and identical PKI between female PSAM card and the PSAM module.
This method also comprises newly-built or reset and review a password step:
S401: the user reviews the newly-built of password or replacement with upper I.D. and financial IC card to appointed bank's site sales counter;
S402: bank confirms user's identity information, comprises the affirmation of ID (identity number) card information and user profile;
S403: bank confirms can be newly-built or reset when reviewing password, ask the user to input 5 and review password, otherwise it is newly-built or reset professional to handle password;
S404: finish.
This method also comprises a step that generates the reconciliation file, the every light terminal hour of bank generates the transaction details file, and on deliver to report server, bank outlets can download detailed file at second day and carry out reconciliation, after the detailed file generated success, adopt script to carry out cleaning and the backup of data, background data base can keep data in January.
As shown in figure 10, this method also comprises the step that queries the balance:
S501: the user brushes financial IC card at electronic scales, and reviews password by the prompting input;
S502: electronic scales reads financial IC card, call the PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S503: the binding relationship of setting up when the banking system basis is opened card finds out the card number that this user binds;
S504: if banking system inconsistent, returns the bank card number and the contrast of binding card number that receive to error message;
S505: if the card number contrast is consistent, whether password is reviewed in checking correct, reviews password bad, returns to re-enter and review encrypted message;
S506: it is correct to review password, reviews platform electronic accounting module and submits the inquiry into balance request to banking system;
S507: banking system carries out the inquiry into balance processing according to tracing information and the bank card number that market provides;
S508: banking system returns account balance to reviewing platform electronic accounting module;
S509: review platform electronic accounting module and return account balance to electronic scales;
S510: electronic scales is showing the screen display account balance.
The short basic communication modes of conduct that is connected of TCP/IP is adopted with bank in the wholesale market, and communication packet adopts pure character stream message, and password and message adopt double-deck cipher mode.
Claims (20)
1. financial IC card that comprises the market tracing information, it comprises financial subregion, it is characterized in that: it also comprises an expanded application subregion, described expanded application subregion is used for record market user profile; Described expanded application subregion comprises user basic information district and customer transaction block of information, and described customer transaction block of information comprises transaction essential information piece and transaction details message block;
Described user basic information district comprises subscriber-coded territory, user's name territory, industrial and commercial registration registration card number territory or identification card number territory, user's character territory, user type territory and telephone number territory at least;
Described transaction essential information piece comprises owner of cargo's encoding domain, owner of cargo's title-domain, buyer's encoding domain, buyer's title-domain and transaction voucher territory at least;
Described transaction details message block comprises commodity code territory, trade name territory, weight territory, unit price territory and purpose region at least.
2. the using method of financial IC card as claimed in claim 1, it is characterized in that: bank only reads this information of blocking financial subregion, card number and the expanded application partition information that platform reads financial subregion simultaneously reviewed in market, report higher level market to review platform the expanded application partition information, and the expanded application partition information after will putting in order transfers to cooperative bank together with financial subregion card number, and cooperative bank accordingly information finishes payment and settlement.
3. electronic scales that reads the financial IC card that comprises the market tracing information, it is characterized in that: it comprises a governor circuit, PSAM module, weighing and sensing module, communication interface circuit and near aware circuit, PSAM module, weighing and sensing module, communication interface circuit and be connected with governor circuit near aware circuit, communication interface circuit also is connected with host computer.
4. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: it also comprises a display driver circuit, and an end of display driver circuit is connected with governor circuit, and the other end is connected with display.
5. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: it also comprises a keyboard interface circuit, and an end of keyboard interface circuit is connected with governor circuit, and the other end is connected with keyboard.
6. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: described communication interface circuit is the RS232 serial interface circuit.
7. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: described communication interface circuit is usb circuit.
8. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: described communication interface circuit is the wireless communication interface circuit.
9. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: described wireless communication interface comprises bluetooth, RFID, WIFI, Zigbee or UWB interface.
10. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3, it is characterized in that: described is that contact is near aware circuit near aware circuit.
11. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3 is characterized in that: described is contactless near aware circuit near aware circuit.
12. a kind of electronic scales that reads the financial IC card that comprises the market tracing information according to claim 3 is characterized in that: described governor circuit is microprocessor CPU or single-chip microcomputer.
13. bank card paying system of reviewing platform based on market, it comprises the electronic scales information acquisition unit, security strategy deployment unit B, tracing information service unit and security strategy deployment unit C, it is characterized in that: it also comprises and outreaches the unit, transactional services unit and security strategy deployment unit A, outreaching the unit is connected banking system with the transactional services unit, the transactional services unit is connected with the tracing information service unit by security strategy deployment unit A, the tracing information service unit is connected with the electronic scales information acquisition unit by security strategy deployment unit B, and the tracing information service unit is reviewed platform by security strategy deployment unit C with higher level market and is connected; The described unit that outreaches comprises that at least two outreach router, and one is active router, and another is standby router, and two routers access respectively the circuit of different operators, main line access active router, standby line access standby router; Described transactional services unit comprises active and standby trading server, active and standby database server and a high-capacity storage at least, and active and standby trading server and active and standby database server are used for carrying out payment transaction and data backup with banking system; Described security strategy deployment unit A comprises two fire walls at least, is used for logical division and the security control of transactional services unit and tracing information service unit; Described tracing information service unit comprises an intruding detection system and two traceability system servers at least, reviews the server superior and reviews platform tracing information is provided, and intruding detection system provides the record of abnormal access and audit; Described security strategy deployment unit B comprises a fire wall at least, is used for logical division and the security control of tracing information service unit and electronic scales information acquisition unit; Described electronic scales information acquisition unit comprises at least one electronic scales, a safety auditing system and two communication front servers, safety auditing system is responsible for the safety certification to electronic scales, and the communication front server is responsible for the information of electronic scales collection is analyzed, processed and transmits; Described security strategy deployment unit C comprises a fire wall at least, is used for tracing information service unit and higher level and reviews logical division and security control between platform.
14. a bank card payment and settlement method of reviewing platform based on market, it is characterized in that: it may further comprise the steps:
S101: the user calculates dealing money automatically by electronic scales;
S102: the user brushes financial IC card, and reviews password by the prompting input;
S103: electronic scales reads financial IC card, call the PASM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S104: the binding relationship of setting up when the banking system basis is opened card finds out the card number that this user binds;
S105: if banking system inconsistent, returns the bank card number and the contrast of binding card number that receive to error message, and will move the account notice by the bank short message platform and send on the dealing user mobile phone;
S106: if card number contrast is consistent, then whether correct in checking if reviewing password, as review password bad, returns to re-enter and review encrypted message;
S107: it is correct to review password, reviews platform electronic accounting module and submits card card transfer request to banking system;
S108: banking system is finished and is snapped into the card processing of transferring accounts;
S109: banking system returns the result that transfers accounts to reviewing platform electronic accounting module, and will move the account notice by the bank short message platform and send on the dealing user mobile phone;
S110: review the platform electronic accounting module result that will transfer accounts and show at electronic scales.
15. a kind of bank card payment and settlement method of reviewing platform based on market according to claim 14, it is characterized in that: when banking system is when transferring accounts failure information to what review that platform electronic accounting module returns, review platform electronic accounting module and will again send transfer request, request number of times is no more than 2 times.
16. a kind of bank card payment and settlement method of reviewing platform based on market according to claim 14 is characterized in that: it comprises that also a financial IC card opens the card step in batches:
S201: the wholesale market is passed to bank with the user profile data file;
S202: the bank card center is according to the expanded application subregion typing user basic information of user profile data file at financial IC card;
S203: the bank card center writes bank card number information at the financial subregion of financial IC card;
S204: financial IC card is sent out to the site in the bank card center;
S205: the processing of opening an account is blocked in the site, and the financial subregion of financial IC card and the information of expanded application subregion are set up one to one relation;
S206: the user arranges the financial subregion password of financial IC card and reviews password in the site;
S207: open the card success.
17. a kind of bank card payment and settlement method of reviewing platform based on market according to claim 14 is characterized in that: it also comprises an online card step of opening:
S301: the bank card center writes bank card number information at the financial subregion of financial IC card;
S302: financial IC card is sent out to the site in the bank card center;
S303: the user is with identity information to handle out card business to the site;
S304: the site ceases the expanded application subregion typing user of financial IC card substantially according to user's identity information;
S305: the processing of opening an account is blocked in the site, and the financial subregion of financial IC card and the information of expanded application subregion are set up one to one relation;
S306: the user arranges the financial subregion password of financial IC card and reviews password in the site;
S307: open the card success.
18. a kind of bank card payment and settlement method of reviewing platform based on market according to claim 14 is characterized in that: it also comprises newly-built or reset and review a password step:
S401: the user reviews the newly-built of password or replacement with upper I.D. and financial IC card to appointed bank's site sales counter;
S402: bank confirms user's identity information, comprises the affirmation of ID (identity number) card information and user profile;
S403: bank confirms can be newly-built or reset when reviewing password, ask the user to input 5 and review password, otherwise it is newly-built or reset professional to handle password;
S404: finish.
19. a kind of bank card payment and settlement method of reviewing platform based on market according to claim 14, it is characterized in that: it also comprises a step that generates the reconciliation file, the every light terminal hour of bank generates the transaction details file, and on deliver to report server, bank outlets can download detailed file at second day and carry out reconciliation, after the detailed file generated success, adopt script to carry out cleaning and the backup of data, background data base can keep data in January.
20. a kind of bank card payment and settlement method of reviewing platform based on market according to claim 14, it is characterized in that: it also comprises the step that queries the balance:
S501: the user brushes financial IC card at electronic scales, and reviews password by the prompting input;
S502: electronic scales reads financial IC card, call the PSAM module to decrypts information, obtain tracing information and bank card number, described tracing information comprises user basic information and customer transaction information, and tracing information and bank card number are transferred to banking system;
S503: the binding relationship of setting up when the banking system basis is opened card finds out the card number that this user binds;
S504: if banking system inconsistent, returns the bank card number and the contrast of binding card number that receive to error message;
S505: if the card number contrast is consistent, whether password is reviewed in checking correct, reviews password bad, returns to re-enter and review encrypted message;
S506: it is correct to review password, reviews platform electronic accounting module and submits the inquiry into balance request to banking system;
S507: banking system carries out the inquiry into balance processing according to tracing information and the bank card number that market provides;
S508: banking system returns account balance to reviewing platform electronic accounting module;
S509: review platform electronic accounting module and return account balance to electronic scales;
S510: electronic scales is showing the screen display account balance.
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| CN103020823B (en) | 2016-02-03 |
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