Summary of the invention
The embodiment of the invention provides a kind of storage card, has realized that same storage card can pay and can collect money.The embodiment of the invention also provides corresponding terminal and transaction system.
A kind of storage card comprises: transaction interface, and central processing unit and be used for the control payment and the ROM (read-only memory) of gathering safety stores payment logic, gathering logic and security check logic in the described ROM (read-only memory);
Receive the indicator signal of payment transaction when described transaction interface after, described central processing unit is carried out delivery operation according to the payment logic in the described ROM (read-only memory);
Receive the indicator signal of gathering transaction when described transaction interface after, described central processing unit carries out safety verification according to the security check logic in the described ROM (read-only memory), when by behind the safety verification, carries out the gathering operation according to the gathering logic again.
A kind of terminal comprises: card reading unit, network communication unit, input block, write card unit and display unit;
Described card reading unit is used for the storage card that identification is used for payment and gathering;
Described network communication unit is used for connecting with trading server after described card reading unit is read for the storage card of supporting and collecting money;
Described input block is used for after described network communication unit and trading server establish a communications link, and receives the command information that the user imports according to payment or gathering flow process;
The described card unit of writing is used for after described input block receives described command information described command information being inputed to storage card, so that described storage card is handled described command information, and the data that provide the user to need;
Described display unit, be used for described write card unit 230 with described command information input storage card after, show payment or the operation information of collecting money.
A kind of transaction system comprises: be used for the storage card of payment and gathering, terminal and trading server after described terminal recognition goes out described storage card, establish a communications link with described trading server;
When paying transaction, described terminal is carried out the payment transaction operation according to the operation indication of user's input, the dealing money that described trading server shows according to described terminal is deducted described dealing money and is deposited the beneficiary that described terminal is indicated in from described storage card;
When collecting money operation, described storage card carries out safety verification, and after passing through safety verification, described terminal is carried out the operation of concluding the business of collecting money according to the operation indication of user's input, the dealing money that described trading server shows according to described terminal is with described dealing money and deposit in the described storage card.
The embodiment of the invention provides a kind of storage card for payment and gathering, comprise: transaction interface, central processing unit and be used for the control payment and the ROM (read-only memory) of gathering safety stores payment logic, gathering logic and security check logic in the described ROM (read-only memory); Receive the indicator signal of payment transaction when described transaction interface after, described central processing unit carries out safety verification according to the security check logic in the described ROM (read-only memory), when by behind the safety verification, carries out delivery operation according to the payment logic again; Receive the indicator signal of gathering transaction when described transaction interface after, described central processing unit carries out safety verification according to the security check logic in the described ROM (read-only memory), when by behind the safety verification, carries out the gathering operation according to the gathering logic again.Compare with storage card of the prior art, the storage card that the embodiment of the invention provides can be used for payment, can be used for gathering again, and is easy to carry, and cost is low.
Embodiment
The embodiment of the invention provides a kind of storage card, has realized that same storage card can pay and can collect money.The embodiment of the invention also provides corresponding terminal and transaction system.Below be elaborated respectively.
Consult Fig. 1, one embodiment of the storage card that the embodiment of the invention provides comprises: transaction interface 100, central processing unit 110 and be used for the control payment and the ROM (read-only memory) 120 of gathering safety stores payment logic, gathering logic and security check logic in the ROM (read-only memory) 120; After described transaction interface 100 received the indicator signal of payment transaction, central processing unit 110 was carried out delivery operation according to the payment logic; Receive the indicator signal of gathering transaction when transaction interface 100 after, central processing unit 110 carries out safety verification according to the security check logic in the ROM (read-only memory) 120, when by behind the safety verification, carries out the gathering operation according to the gathering logic again.
Transaction interface 100 in the embodiment of the invention can be contact interface or non-contact interface, as secure digital (SD, Secure Digital) interface, radio frequency (RF, Radio Frequency) interface.
A kind of storage card for payment and gathering is provided, comprises: transaction interface, central processing unit and be used for the control payment and the ROM (read-only memory) of gathering safety stores payment logic, gathering logic and security check logic in the described ROM (read-only memory); Receive the indicator signal of payment transaction when described transaction interface after, described central processing unit is carried out delivery operation according to the payment logic; Receive the indicator signal of gathering transaction when described transaction interface after, described central processing unit carries out safety verification according to the security check logic in the described ROM (read-only memory), when by behind the safety verification, carries out the gathering operation according to the gathering logic again.Compare with storage card of the prior art, the storage card that the embodiment of the invention provides can be used for payment, can be used for gathering again, and is easy to carry, and cost is low.
Consult Fig. 2, another embodiment of the storage card that the embodiment of the invention provides comprises: transaction interface 100, central processing unit 110, the ROM (read-only memory) 120 that is used for control payment and gathering safety, static RAM 130 and electrically-erasable ROM (read-only memory) 140 store payment logic, gathering logic and security check logic in the ROM (read-only memory) 120; After described transaction interface 100 received the indicator signal of payment transaction, central processing unit 110 was according to carrying out delivery operation according to the payment logic; Receive the indicator signal of gathering transaction when transaction interface 100 after, central processing unit 110 carries out safety verification according to the security check logic in the ROM (read-only memory) 120, when by behind the safety verification, carries out the gathering operation according to the gathering logic again; Described static RAM 130 is used for buffer memory central processing unit data processed; Described electrically-erasable ROM (read-only memory) 140 is used for the data that storage issues from transaction interface.
Transaction interface 100 in the embodiment of the invention can be contact interface or non-contact interface, as secure digital (SD, Secure Digital) interface, radio frequency (RF, Radio Frequency) interface.
Consult Fig. 3, in the embodiment of the invention, the ROM (read-only memory) 120 that is used for control payment and gathering safety comprises: PSAM module 1201, POS machine security module 1202 and electronic bankbook/wallet module 1203;
PSAM module 1201 is used for providing the gathering logic to central processing unit; POS machine security module 1202 is used for providing security check logic to central processing unit; Electronic bankbook/wallet module 1203 is used for providing the payment logic to central processing unit.
The storage card that the embodiment of the invention provides further illustrates with storage card of the prior art and compares, and the storage card that the embodiment of the invention provides can be used for payment, can be used for gathering again, and is easy to carry, and cost is low.
For ease of understanding, be example with a concrete application scenarios below, describe the storage card that the embodiment of the invention provides in detail, be used for the application of payment and gathering dual-use function:
Consult Fig. 4, the this application scene has provided two operating process of payment and gathering from a figure, from paying party, storage card only need use electronic bankbook/wallet module 1203, PSAM module and POS machine security module do not need to use, and the terminal of paying party and bank's back-end server establish a communications link.
From beneficiary, storage card is with after terminal is connected, just be equivalent to a POS machine, when carrying out gathering functions, storage card need use PSAM module 1201 and POS machine security module 1202, electronic bankbook/wallet module does not just need to use, and the terminal of beneficiary and bank's back-end server establish a communications link.
Consult Fig. 5, describe the flow process of consumer sale in detail:
A1, two terminals with payment and storage card of gathering functions are installed, set up escape way by two-way certificate verification.
Payment request is initiated by paying party, and at first beneficiary and paying party carry out two-way certificate verification and set up safe data channel, and two-way certificate verification is in order to confirm beneficiary and have the gathering authority and paying party is the legitimate device that bank provides.
The intelligent terminal of A2, paying party switches to the payment application model.
The intelligent terminal of A3, beneficiary switches to the gathering application model.
A4, paying party and beneficiary are carried out the consumer sale flow process that meets bank's working specification.
Paying party is initiated transaction request, the information such as the amount of money that comprise this transaction in the request message, beneficiary is after the manual confirmation transaction, and the paying party terminal switches to the payment application model, beneficiary switches to the POS terminal work mode, carries out the consumer sale flow process according to bank's working specification.
A5, paying party withdraw from the payment application model.
A6, beneficiary withdraw from the gathering application model.
The consumer sale flow process is abideed by the financial transaction related specifications, and paying party withdraws from the payment application model after the Transaction Success, and beneficiary then produces transaction record also with withdrawing from the POS terminal pattern behind the private area that is kept at intelligent memory card after the private key signature of oneself.
A7, beneficiary are uploaded transaction record to the Mobile banking center.
Beneficiary starts the software on the intelligent terminal in good time, connect bank's back-end server, transaction record is uploaded to bank's back-end server, and bank's back-end server utilizes validity and the integrality of the public key verifications transaction record of paying party card, and checking is handled the beneficiary account by the back.
In this application scene, payment and the gathering process of using the storage card that is used for payment and gathering have been described clearly.
Consult Fig. 6, an embodiment of the terminal that the embodiment of the invention provides comprises: card reading unit 200, network communication unit 210, input block 220, write card unit 230 and display unit 240.
Described card reading unit 200 is used for the storage card that identification is used for payment and gathering;
Described network communication unit 210 is used for establishing a communications link with trading server after described card reading unit 200 is read for the storage card of supporting and collecting money;
Described input block 220 is used for after described network communication unit 210 establishes a communications link with trading server, receives the user according to the command information of payment or the input of gathering flow process;
The described card unit 230 of writing is used for after described input block 220 receives described command information described command information being inputed to storage card, so that described storage card is handled described command information, and the data that provide the user to need;
Described display unit 240, be used for described write card unit 230 with described command information input storage card after, show payment or the operation information of collecting money.
The terminal that provides in the embodiment of the invention comprises that card reading unit 200 identification is used for the storage card of payment and gathering, network communication unit 210 described card reading unit 200 read for support and the storage card of gathering after establish a communications link with trading server; Input block 220 receives the user according to the command information of payment or the input of gathering flow process after described network communication unit 210 connects with trading server; Write card unit 230 after described input block 220 receives described command information, described command information is inputed to storage card, so that described storage card is handled described command information, the data that provide the user to need; Display unit 240 described write card unit 230 with described command information input storage card after, show the operation information of payment or gathering.The terminal that the embodiment of the invention provides can be read storage card and be made storage card realize payment and gathering functions.
On the basis of the embodiment of above-mentioned Fig. 6 correspondence, another embodiment of described terminal also comprises:
Described input block 220 also be used for to receive the command information of the account inquiries of user's input;
The described card unit 230 of writing also is used for after described input block 220 receives the command information of described account inquiries, and the command information of described account inquiries is inputed to storage card;
Described display unit 240 also is used for showing described account balance.
Consult Fig. 7, an embodiment of the transaction system that the embodiment of the invention provides comprises: be used for the storage card 10 of payment and gathering, terminal 20 and trading server 30 after terminal 20 identifies described storage card 10, establish a communications link with described trading server 30;
When paying transaction, described storage card 10 carries out safety verification, after passing through safety verification, described terminal 20 is carried out the payment transaction operation according to the operation indication of user's input, the dealing money that described trading server 30 shows according to described terminal is deducted described dealing money and is deposited the beneficiary that described terminal is indicated in from described storage card;
When collecting money operation, described storage card 10 carries out safety verification, after passing through safety verification, described terminal 20 is carried out gathering transaction operation according to the operation indication of user's input, the dealing money that described trading server 30 shows according to described terminal is with described dealing money and deposit in the described storage card.
In the embodiment of the invention, be used for the storage card 10 of payment and gathering, terminal 20 and trading server 30 after terminal 20 identifies described storage card 10, establish a communications link with described trading server 30; Storage card 10 can be used for payment, can be used for gathering again, has realized one card for multiple uses, and has been convenient for carrying and uses.
Consult Fig. 8, on the basis of the embodiment of Fig. 7 correspondence, another embodiment of the transaction system that the embodiment of the invention provides also comprises: hair fastener child servers 40 and circle are deposited transaction child servers 50 and circle is submitted easy child servers 60 to;
Described hair fastener child servers 40 is used for writing the payment logic to described storage card 10, security check logic and gathering logic;
Described circle is deposited transaction child servers 50, is used for depositing in for the amount of money of concluding the business to described storage card 10;
Described circle is submitted easy child servers 60 to, is used for proposing the described amount of money for transaction from described storage card 10 centre circles.
Transaction child servers 50 deposited by the circle that the embodiment of the invention provides and the easy child servers 60 of circle submission can be same server, just realizes that at same server circle is deposited and circle is put forward two kinds of functions.
The transaction system that the embodiment of the invention provides, described hair fastener child servers 40 writes the payment logic in described storage card 10 when hair fastener, security check logic and gathering logic; Described circle is deposited transaction child servers 50 and is deposited in for the amount of money of concluding the business in described storage card 10, makes described storage card be equivalent to stored value card, electronic bankbook, and described circle submits to easy child servers 60 to propose the described amount of money for transaction from described storage card 10 centre circles.
One of ordinary skill in the art will appreciate that all or part of step in the whole bag of tricks of above-described embodiment is to instruct relevant hardware to finish by program, this program can be stored in the computer-readable recording medium, and storage medium can comprise: ROM, RAM, disk or CD etc.
More than storage card, terminal and transaction system that the embodiment of the invention is provided be described in detail, used specific case herein principle of the present invention and embodiment are set forth, the explanation of above embodiment just is used for helping to understand method of the present invention and core concept thereof; Simultaneously, for one of ordinary skill in the art, according to thought of the present invention, the part that all can change in specific embodiments and applications, in sum, this description should not be construed as limitation of the present invention.