Summary of the invention
In view of above-mentioned the deficiencies in the prior art part, the method and system that the object of the present invention is to provide a kind of stored value card to interconnect, all-purpose card can not compatible problem in different places in the prior art to solve.
In order to achieve the above object, the present invention has taked following technical scheme:
The system that a kind of all-purpose card interconnects wherein, comprises the all-purpose card card and is used for carrying out corresponding mutual all-purpose card terminal with the all-purpose card card;
Described all-purpose card card comprises:
This locality all-purpose card application module: be used for storage subscriber's local all-purpose card identification information and subscriber's local all-purpose card Transaction Information, be applied in the transaction special cell that interconnects that interconnects the private key unit and store for the Transaction Information that will interconnect that interconnecting transaction is safeguarded comprising being used for local all-purpose card;
Application module interconnects: be used for storage user identifier information and the user transaction public information that interconnects that interconnects; The public information unit of storing comprising the public information that is used for using interconnecting the key unit that interconnects that authenticates, is used for using interconnecting and be used for interconnecting the user and be used for the specific information unit that interconnects that the local all-purpose card of sign is used when using of interconnecting;
Described all-purpose card terminal comprises:
Local all-purpose card application processing module: be used for obtaining the local all-purpose card information acquisition unit of the subscriber's local all-purpose card information that local all-purpose card application module stores and use the local all-purpose card of handling according to the local all-purpose card that user's operation is selected the user and use processing unit;
Application processing module interconnects: the transaction processing unit that interconnects that interconnects the application message acquiring unit and handle according to the application of interconnecting that user's operation is selected the user that is used for obtaining the application module canned data that interconnects.
The system that described all-purpose card interconnects, wherein, also comprise in the described local all-purpose card application module for local all-purpose card being used the local all-purpose card key unit of safeguarding, the transaction record unit that is used for holder's basic information unit (BIU) of storage cardholder information and is used for the local all-purpose card application Transaction Information that the holder carries out is recorded.
The system that described all-purpose card interconnects, wherein, described all-purpose card terminal also comprises a transaction pretreatment module, described transaction pretreatment module comprises with lower unit:
The identification card unit identifies user profile the information for the local all-purpose card application module that gets access to from described local all-purpose card information acquisition unit;
Select judging unit, described all-purpose card terminal is applied as the local all-purpose card transaction transaction of still interconnecting according to what user's operational order judged that the user selects, if that selects be local all-purpose card transaction and is local selection, then carry out local all-purpose card transaction pre-service, if the user selects to interconnect and uses and for the strange land selection then select successfully the transaction pre-service of interconnecting.
The system that described all-purpose card interconnects, wherein, also comprising in the described transaction processing unit that interconnects interconnects uses the pre-service subelement, and the described application pre-service subelement that interconnects comprises with the lower part:
Obtain the information subelement; The described application message acquiring unit that interconnects obtains the information in interconnect public information unit and the specific information unit that interconnects;
Use the validity check subelement: the information of obtaining according to the information subelement of obtaining is to the application validity check of interconnecting of this card;
Select hair fastener ground subelement: if the inspection of described application validity check subelement selects hair fastener ground all-purpose card to use for this interconnects to be applied as effectively then according to the local all-purpose card application identities symbol in the specific information unit that interconnects;
Check card validity subelement: check the validity that card uses, if effectively then the application transaction processing that interconnects, if invalid then withdraw from transaction.
A kind of described all-purpose card system of interconnecting that utilizes carries out the method that all-purpose card interconnects, and wherein, may further comprise the steps:
A, interconnect private key unit and the transaction special cell that interconnects are set in the described local all-purpose card application module of all-purpose card card, set up the application module that interconnects at the all-purpose card card, comprise in the described application module that interconnects: the key unit that interconnects, the public information that interconnects unit and the specific information unit that interconnects.
The local all-purpose card application identities symbol that B, all-purpose card terminal are obtained in the described specific information unit that interconnects selects hair fastener ground all-purpose card to use, and selects successfully then to interconnect transaction processing.
The described method that interconnects, wherein, the transaction processing that interconnects among the described step B is concrete comprises interconnect transaction pre-service and transaction processing, the described transaction pre-service of interconnecting may further comprise the steps:
B1, the described application message acquiring unit that interconnects read the information in interconnect public information unit and the specific information unit that interconnects;
B2, the application message acquiring unit obtains according to interconnecting information be to the application validity check of interconnecting of this card, if invalid then withdraw from transaction, if effectively then carry out the inspection of next step;
If B3 interconnects and is applied as effectively then selects hair fastener ground all-purpose card to use, if select successfully then the transaction processing that interconnects; If the failure would withdraw from transaction.
The described method that interconnects wherein, also comprises before the step B:
Described all-purpose card terminal is obtained subscriber's local all-purpose card application operating instruction, and this this transaction is domestic transaction, and then described local all-purpose card application processing module carries out local all-purpose card and uses pre-service and transaction processing.
The method that described all-purpose card interconnects, wherein, before step B, at first to the pre-service of concluding the business of this all-purpose card, this transaction pre-service includes following steps to the transaction pretreatment module on the all-purpose card terminal:
Obtain user profile in B01, the information from the local all-purpose card application module that described local all-purpose card information acquisition unit gets access to;
B02, described all-purpose card terminal are applied as the local all-purpose card transaction transaction of still interconnecting according to what user's operational order judged that the user selects, if that selects be local all-purpose card transaction and is local selection, then carry out local all-purpose card transaction pre-service, if the user selects to interconnect and uses and for the strange land selection then select successfully the transaction pre-service of interconnecting.
The method that described all-purpose card interconnects, wherein, the described private key location contents that interconnects comprises: the applicating maintenance sub-key that interconnects, the transaction sub-key interconnects;
The described transaction special cell content that interconnects is included as: lock transaction calibration knowledge, type of transaction, terminating machine numbering, trade date and time;
The described key unit that interconnects comprises: interconnect and use master control sub-key, the applicating maintenance sub-key that interconnects, the internal authentication sub-key that interconnects, the external authentication sub-key interconnects;
The described public information file unit that interconnects comprises: application type, application version, application series number, application start date, use date of expiration;
The specific information file unit that interconnects also comprises: interconnect the transaction sub-key index and version number, the transaction key dispersion factor that interconnects, interconnect the transaction private file identifier and the record label.
Beneficial effect: the system and method that a kind of stored value card provided by the invention interconnects, by in local all-purpose card is used, increasing interconnect private key and the transaction private file that interconnects, under all-purpose card master control file, increase the application of interconnecting, the user is when using this all-purpose card, can select to use the transaction application that interconnects to carry out the strange land transaction, thereby solved all-purpose card in problem that differently side can be compatible, the all-purpose card that the holder handles in this locality is except using in the strange land use this locality, and the user provides convenience for all-purpose card.
Embodiment
The invention provides the method that a kind of all-purpose card interconnects.For making purpose of the present invention, technical scheme and effect clearer, clear and definite, below with reference to accompanying drawing and give an actual example that the present invention is described in more detail.Should be appreciated that specific embodiment described herein only in order to explaining the present invention, and be not used in restriction the present invention.
Be illustrated in figure 1 as a kind of all-purpose card provided by the invention system that interconnects, described system comprises all-purpose card card 1 and is used for carrying out corresponding mutual all-purpose card terminal 2 with the all-purpose card card.
Described local all-purpose card application module 11, be used for storage subscriber's local all-purpose card identification information and subscriber's local all-purpose card Transaction Information, increased interconnect private key unit 111 and the special cell 112 that interconnects that need for the exchange that interconnects in the local all-purpose card application module under the master control file of the present invention's local all-purpose card in the prior art.
Private key unit 111 interconnects, being applied in interconnecting transaction for local all-purpose card safeguards, comprising: applicating maintenance sub-key and the transaction sub-key that interconnects interconnect, be used for safeguarding and the data of the circulation of concluding the business are encrypted interconnecting to use, thus guaranteed to interconnect be applied in local all-purpose card use in the security of Transaction Information.
Transaction special cell 112 interconnects, the Transaction Information that is used for interconnecting is stored, it is a variable-length record file, wherein Ji Lu content is: lock transaction calibration knowledge, type of transaction, terminating machine numbering and trade date and time, the details of using transaction that are used for interconnecting are recorded in local all-purpose card card.
Under local all-purpose card master control file, increased by the application module 12 that interconnects, should be used for storage user identifier information and the user transaction public information that interconnects that interconnects, comprising:
The key unit 121 that interconnects is used for using interconnecting and authenticates, comprising: interconnect and use master control sub-key, the applicating maintenance sub-key that interconnects, the internal authentication sub-key that interconnects, the external authentication sub-key interconnects.
The public information that interconnects unit 122 is used for the public information of using that interconnects is stored, and comprising content is: application type, application version, application series number, application start date, use date of expiration.
Specific information unit 123 interconnects, being used for interconnecting the user is used for the local all-purpose card of sign and uses when using, it comprises: interconnect transaction sub-key index and version number, the transaction key dispersion factor that interconnects, transaction private file identifier and record label interconnect.
Correspondingly with above-mentioned local all-purpose card card carry out mutual described all-purpose card terminal 2, comprising:
Local all-purpose card application processing module 21: be used for obtaining the local all-purpose card information acquisition unit 211 of the subscriber's local all-purpose card information that local all-purpose card application module stores and use the local all-purpose card of handling according to the local all-purpose card that user's operation is selected the user and use processing unit 212.
Application processing module 22 interconnects: the transaction processing unit 222 that interconnects that interconnects application message acquiring unit 221 and handle according to the application of interconnecting that user's operation is selected the user that is used for obtaining the application module canned data that interconnects.
When the user uses local all-purpose card on the local all-purpose card card 1 to interconnect to use, it is according to the instruction of all-purpose card terminal 2, selection enters the application module 12 that interconnects, the application message that interconnects acquiring unit 221 obtains interconnect in the specific information unit that interconnects in the application module 12 that interconnects transaction private file identifier and record label, the application processing unit that interconnects judges with the record label whether interconnecting transaction locks by the transaction private file identifier that interconnects that obtains, if locking, then transaction stops, otherwise, the transaction of interconnecting, and with transaction record and other information that this transaction produces, store corresponding message unit into.
What can expect is, also comprise in the local all-purpose card application module 11 of the present invention for the transaction record unit of local all-purpose card being used the local all-purpose card key unit of safeguarding, the holder's basic information unit (BIU) that is used for the storage cardholder information and being recorded for the local all-purpose card application Transaction Information that the holder is carried out, thereby make local all-purpose card can finish local all-purpose card transaction and the transaction of interconnecting smoothly.
The system that all-purpose card provided by the invention interconnects, by setting up interconnect private key unit and the transaction special cell that interconnects in the local all-purpose card application module on the all-purpose card card, under the master control file, set up the application module that interconnects, comprise the key that interconnects in the described application module that interconnects, public information file and specific information file, thereby make the local all-purpose card support application of interconnecting, in the all-purpose card terminal application processing module corresponding with application module on the all-purpose card card is set, thereby when the user selects all-purpose card to interconnect application in the strange land, by the interconnected application processing module that arranges on the all-purpose card terminal its operation is controlled, finished the purpose that local all-purpose card interconnects in the strange land realization thereby reach.
As shown in Figure 2, can also be provided with transaction pretreatment module 23 in above-mentioned all-purpose card terminal, it includes with lower unit:
Identification card unit 231 identifies user profile the information for the local all-purpose card application module that gets access to from described local all-purpose card information acquisition unit.
When the user used the all-purpose card card to conclude the business, the all-purpose card terminal was at first obtained information from local all-purpose card card, and this card is identified.
Select judging unit 232, described all-purpose card terminal is applied as the local all-purpose card transaction transaction of still interconnecting according to what user's operational order judged that the user selects, if that selects be local all-purpose card transaction and is local selection, then carry out local all-purpose card transaction pre-service, if the user selects to interconnect and uses and for the strange land selection then select successfully the transaction pre-service of interconnecting.
Also comprising in the described transaction processing unit that interconnects interconnects uses pre-service subelement 2221, and as shown in Figure 3, the described application pre-service subelement 2221 that interconnects comprises with the lower part:
Obtain information subelement 22211; The described application message acquiring unit that interconnects obtains the information in interconnect public information unit and the specific information unit that interconnects.
When the user selected to interconnect application, the application processing unit that then interconnects at first obtained the storage information in the application module that interconnects, and is convenient to the inspection of next unit.
Use validity check subelement 22212: the information of obtaining according to the information subelement of obtaining is to the application validity check of interconnecting of this card.
What can expect is, beginning to interconnect when using, need check this effectiveness of application, if interconnecting of this all-purpose card card used invalid then the application of can't interconnecting, otherwise carries out next step inspection.
Select hair fastener ground subelement 22213: if the inspection of described application validity check subelement selects hair fastener ground all-purpose card to use for this interconnects to be applied as effectively then according to the local all-purpose card application identities symbol in the specific information unit that interconnects.
Be applied as effectively if interconnect, then use according to the logical all-purpose card of storing in the application module that interconnects of local all-purpose card application identities symbol Information Selection hair fastener.
Check card validity subelement 22214: check the validity that card uses, if effectively then the application transaction processing that interconnects, if invalid then withdraw from transaction.
When in above-mentioned selection hair fastener ground subelement, selecting the all-purpose card application of hair fastener ground, need use this all-purpose card card hair fastener ground all-purpose card and whether effectively check, when the use of the hair fastener ground of this card is effective, the transaction processing that then just can interconnect and use, if this is stuck in hair fastener ground and uses to invalid, the transaction of then can not interconnecting.
In addition, the present invention also provides a kind of described all-purpose card system of interconnecting that utilizes to carry out the method that all-purpose card interconnects as shown in Figure 4, wherein, may further comprise the steps:
S1, interconnect private key unit and the transaction special cell that interconnects are set in the described local all-purpose card application module of all-purpose card card, set up the application module that interconnects at the all-purpose card card, comprise in the described application module that interconnects: the key unit that interconnects, the public information that interconnects unit and the specific information unit that interconnects.
Be provided for supporting to interconnect applied unit at described all-purpose card card, what can expect is to carry out also being provided with the application processing unit that interconnects that newly-increased unit is carried out information processing on the mutual all-purpose card terminal certainly with it.
The local all-purpose card application identities symbol that S2, all-purpose card terminal are obtained in the described specific information unit that interconnects selects hair fastener ground all-purpose card to use, and selects successfully then to interconnect transaction processing.
When the user selects to interconnect application, then the all-purpose card terminal is obtained local all-purpose card application identities symbol and is selected hair fastener ground all-purpose card, if hair fastener ground all-purpose card is applied as effectively, and be long-distance consuming, then select successfully, then the all-purpose card terminal reads appointed information in the transaction private file that interconnects according to interconnect private file identifier and the record label in the specific information file of interconnecting, and transaction processing interconnects.
On the basis of above-described embodiment, as shown in Figure 5, the transaction processing that interconnects among the described step S2 is concrete comprises interconnect transaction pre-service and transaction processing, and the described transaction pre-service of interconnecting may further comprise the steps:
S21, the described application message acquiring unit that interconnects read the information in interconnect public information unit and the specific information unit that interconnects.
S22, the application message acquiring unit obtains according to interconnecting information be to the application validity check of interconnecting of this card, if invalid then withdraw from transaction, if effectively then carry out the inspection of next step.
If S23 interconnects and is applied as effectively then selects hair fastener ground all-purpose card to use, if select successfully then the transaction processing that interconnects; If the failure would withdraw from transaction.
Before step S2, can also comprise:
Described all-purpose card terminal is obtained subscriber's local all-purpose card application operating instruction, and this this transaction is domestic transaction, and then described local all-purpose card application processing module carries out local all-purpose card and uses pre-service and transaction processing.
As shown in Figure 6, before step S2, at first to the pre-service of concluding the business of this all-purpose card, this transaction pre-service includes following steps to the transaction pretreatment module on the all-purpose card terminal:
Obtain user profile in S01, the information from the local all-purpose card application module that described local all-purpose card information acquisition unit gets access to.
S02, described all-purpose card terminal are applied as the local all-purpose card transaction transaction of still interconnecting according to what user's operational order judged that the user selects, if that selects be local all-purpose card transaction and is local selection, then carry out local all-purpose card transaction pre-service, if the user selects to interconnect and uses and for the strange land selection then select successfully the transaction pre-service of interconnecting.
A kind of all-purpose card provided by the invention interconnects and uses and method, and this system comprises the all-purpose card card and is used for carrying out corresponding mutual all-purpose card terminal with the all-purpose card card; Described all-purpose card card comprises: local all-purpose card application module and the application module that interconnects.Described all-purpose card terminal comprises: be provided with local all-purpose card application processing module and setting interconnect application message acquiring unit and the application processing module that interconnects.Described system and method provided by the invention is provided with the module that the application of interconnecting is handled by adding file unit and corresponding mutual all-purpose card terminal with the all-purpose card card that the application of interconnecting is supported in the local all-purpose card application module, thereby realized consuming in the strange land at local all-purpose card, for user's daily life provides convenience.
Be understandable that; for those of ordinary skills; can be equal to replacement or change according to technical scheme of the present invention and inventive concept thereof; for example; technical scheme described in the present invention can be not limited only to the all-purpose card card and use; can also be applied on smart card or the mobile payment field, and all these changes or replacement all should belong to the protection domain of the appended claim of the present invention.