CN103714625A - Intelligent card recharging method and system - Google Patents
Intelligent card recharging method and system Download PDFInfo
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- CN103714625A CN103714625A CN201310712864.1A CN201310712864A CN103714625A CN 103714625 A CN103714625 A CN 103714625A CN 201310712864 A CN201310712864 A CN 201310712864A CN 103714625 A CN103714625 A CN 103714625A
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Abstract
The invention discloses an intelligent card recharging method and system. The intelligent card recharging method includes the steps that a user sends a recharging request to an intelligent card recharging platform through an intelligent card recharging terminal device, the intelligent card recharging platform obtains historical recharging transaction records of the user according to the intelligent card ID and checks whether intelligent card recharging results of the historical recharging transaction records are abnormal or not, if the historical recharging transaction records are abnormal, normal recharging is carried out after intelligent card supplement recharging is carried out, and if the historical recharging transaction records are normal, normal recharging is directly carried out. When intelligent card supplement recharging is carried out, types of intelligent card recharging result anomalies are firstly determined, and then intelligent card supplement recharging is carried out according to the types of the intelligent card recharging result anomalies. According to the intelligent card recharging method and system, supplement recharging under the conditions of the intelligent card recharging operation anomalies is carried out, the fault tolerance of the recharging system is improved, the anomaly processing capacity of the system is strengthened, the uniformity of an intelligent card and the recharging platform in the recharging money amount is guaranteed, and the user satisfaction degree is improved.
Description
Technical field
The present invention relates to smart card electronic purse application technical field, be specifically related to a kind of charging intelligent card method and system.
Background technology
Along with the fast development of smart card, the variation of applying on smart card, as a kind of intelligent card payment, application is also widely used in public transport, ETC(Electronic Toll Collection, electronic charging system without parking to stored value card), the field such as consumption.Online charging system for different field, different modes also just occurs in succession, for example, pass through card reader, and terminal, wayside equipment etc. is carried out supplementing with money of stored value card.But no matter by what mode, always there will be various abnormal (such as situations such as artificial mobile smartcard, network service are unstable) all can cause supplementing with money the inconsistent of recharge amount on server platform and smart card.Will there are two kinds of situations in this, a kind of, and server connects financial sector has withholdd successfully, but charging intelligent card operation failure, and this just needs server and follow-up just punching of financial sector to operate; Another is that server connection financial sector has been withholdd successfully, charging intelligent card operates successfully, but smart card operation result fails to feed back to server, server can only judge this operation failure, and this just causes server and the inconsistent situation of the smart card amount of money.This just needs a kind of supplementary value mode badly and processes various abnormal conditions.Based on above background, this case has proposed a kind of method and system of charging intelligent card.
Summary of the invention
For the defect existing in prior art, the object of the present invention is to provide a kind of charging intelligent card method and system, the supplementary value while realizing charging intelligent card operation exception.
For achieving the above object, the technical solution used in the present invention is: a kind of charging intelligent card method, comprises the following steps:
(1) user sends charging request by charging intelligent card terminal device to charging intelligent card platform;
(2) charging intelligent card platform obtains historical recharging payment record corresponding to user according to user's smart card ID, and whether the charging intelligent card result of checking described historical recharging payment record is abnormal, if carry out smart card, supplement and to carry out again smart card after value and normally supplement with money, directly carry out if not smart card and normally supplement with money; The concrete mode of carrying out the supplementary value of smart card is:
1) confirm the type of charging intelligent card results abnormity; The type that described recharging result is abnormal comprises charging intelligent card unsuccessfully and charging intelligent card platform is not received charging intelligent card execution result;
2) according to the type of charging intelligent card result, carry out smart card and supplement value.
Further, a kind of charging intelligent card method as above, in step 1), confirm that the concrete mode of the type of charging intelligent card results abnormity is:
During the historical recharging payment recording exceptional of smart card, if the transaction verification code TAC of this abnormal recharging payment of smart card received by charging intelligent card platform but charging intelligent card failure is confirmed in transaction verification code TAC verification failure; If intelligence is supplemented the execution result that platform is not received this abnormal recharging payment record of smart card with money, confirm that charging intelligent card result type is that charging intelligent card platform is not received charging intelligent card execution result.
Further, a kind of charging intelligent card method as above, step 2) in, if charging intelligent card results abnormity type is charging intelligent card failure, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
1. charging intelligent card platform obtains the supplementary Value Data of abnormal historical recharging payment record to charging intelligent card business core system, generates and supplements instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
2. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
Further, a kind of charging intelligent card method as above, step 2) in, if charging intelligent card results abnormity type is charging intelligent card platform, do not receive charging intelligent card execution result, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
I. charging intelligent card platform sends to smart card by the transaction authentication instruction of obtaining of abnormal historical recharging payment record;
II. smart card obtains transaction authentication instruction and reads this abnormal historical recharging payment on smart card and record corresponding transaction verification code TAC according to described, and transaction verification code TAC is sent to charging intelligent card platform by terminal device;
III. charging intelligent card platform carries out verification to transaction verification code, if verification succeeds completes smart card and supplements value, intelligent card transaction platform returns to " benefit successful recharging " sign to charging intelligent card terminal device; If verification failure, enters step IV;
IV. charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system, generates to supplement instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
V. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
Further, a kind of charging intelligent card method as above, the method also comprises: at charging intelligent card platform, smart card is set and supplements the maximum times that Value Operations allows.
Further, a kind of charging intelligent card method as above, the concrete mode that charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system is:
A. charging intelligent card platform checks whether the supplementary Value Operations request number of times of smart card is greater than smart card and supplements the maximum times that Value Operations allows, if return and supplement value failure to smart card, to charging intelligent card terminal, returns to supplementary value if not and confirms application;
B. user confirms to supplement Value Operations;
C. charging intelligent card platform obtains the supplementary Value Data of the abnormal historical recharging payment record of smart card to charging intelligent card business core system.
Further, a kind of charging intelligent card method as above, in Step II, charging intelligent card platform sends to the concrete mode of smart card to be the transaction authentication instruction of obtaining of abnormal historical recharging payment record:
I. charging intelligent card platform checks whether the supplementary Value Operations request number of times of smart card is greater than smart card and supplements the maximum times that Value Operations allows, if return to query manipulation request failure to smart card, to charging intelligent card terminal, return and supplement value confirmation application if not;
Ii. user confirms to supplement Value Operations;
Iii. charging intelligent card platform sends to smart card by charging intelligent card terminal by the transaction authentication instruction of obtaining of abnormal historical recharging payment record.
An intelligent card charging system, comprising:
Charging request module, for sending charging request by charging intelligent card terminal device to charging intelligent card platform by user;
Supplement module with money, for charging intelligent card platform, according to user's smart card ID, obtain historical recharging payment record corresponding to user, and whether the charging intelligent card result of checking described historical recharging payment record is abnormal, if carry out smart card, supplement and to carry out again smart card after value and normally supplement with money, directly carry out if not smart card and normally supplement with money; When recharging result is abnormal, supplements module with money and comprise:
Supplement Exception Type judging unit with money, for confirming the type of charging intelligent card results abnormity; The type that described recharging result is abnormal comprises charging intelligent card unsuccessfully and charging intelligent card platform is not received charging intelligent card execution result;
Supplement value cell, for carry out smart card according to the type of charging intelligent card result, supplement value.
Further again, a kind of intelligent card charging system as above, when charging intelligent card results abnormity type is charging intelligent card failure, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
1. charging intelligent card platform obtains the supplementary Value Data of abnormal historical recharging payment record to charging intelligent card business core system, generates and supplements instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
2. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
Further, a kind of intelligent card charging system as above, when charging intelligent card results abnormity type is that charging intelligent card platform is not received charging intelligent card execution result, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
I. charging intelligent card platform sends to smart card by the transaction authentication instruction of obtaining of abnormal historical recharging payment record;
II. smart card obtains transaction authentication instruction and reads this abnormal historical recharging payment on smart card and record corresponding transaction verification code TAC according to described, and transaction verification code TAC is sent to charging intelligent card platform by terminal device;
III. charging intelligent card platform carries out verification to transaction verification code, if verification succeeds completes smart card and supplements value, intelligent card transaction platform returns to " benefit successful recharging " sign to charging intelligent card terminal device; If verification failure, enters step IV;
IV. charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system, generates to supplement instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
V. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
Beneficial effect of the present invention is: method and system of the present invention can the supplementary value of system in charging intelligent card operation exception situation, improved the fault-tolerance of charging system, strengthened the exception handling ability of system, guaranteed smart card and supplemented the consistance of platform on recharge amount with money, having improved user's satisfaction.
Accompanying drawing explanation
Fig. 1 adopts existing charging intelligent card method to carry out the topological structure schematic diagram of charging intelligent card in ETC charging system in embodiment;
Fig. 2 adopts existing charging intelligent card method to carry out the normal recharge procedure figure of charging intelligent card in ETC charging system in embodiment;
Fig. 3 is the structured flowchart of a kind of system of charging intelligent card in embodiment;
Fig. 4 is the process flow diagram of a kind of method of charging intelligent card in embodiment;
Fig. 5 is the schematic flow sheet that in embodiment 1, ETC charging system adopts charging intelligent card method of the present invention to supplement with money;
Fig. 6 is the schematic flow sheet that in embodiment 2, ETC charging system adopts charging intelligent card method of the present invention to supplement with money.
Embodiment
Below in conjunction with Figure of description and embodiment, the present invention is described in further detail.
The technical terms explanation relating in this embodiment:
Smart card: be responsible for carrying out instruction, return to execution result to charging intelligent card platform, as SIM card, SD card (safe digital card), PBOC card (the People's Bank's card), ETC card etc.;
Charging intelligent card terminal device: be responsible for receiving charging intelligent card platform instruction and sending instruction to smart card, as card reader, mobile phone terminal, wayside equipment, pos machine etc.;
Communication Layer: be mainly responsible for utilizing passage (passage such as GSM/GRPS/Internet) to send the instruction of charging intelligent card platform to terminal device, it can treatment S MS, BIP, HTTP(HTTPS) etc. mode;
Charging intelligent card platform: be responsible for connecting financial payment systems, complete on-line payment operation; Obtain the load value data of smart card core system, generate and supplement instruction with money, recharging result is reported to smart card core system;
Smart card core system: storage smart card accounts information, the verification of intelligent card subscriber legitimacy, generation load value data etc.;
Financial payment systems: provide payment, as online in Unionpay, Bank of Communications's on-line payment, third-party payment system (as Alipay) etc.
For a better understanding of the present invention, in present embodiment, first take ETC card as example, existing charging intelligent card method be briefly described:
Fig. 1 shows the network topology structure schematic diagram of ETC charging system, relates generally to six class network elements in this network:
The one, smart card is ETC card etc.; The 2nd, charging intelligent card terminal device; The 3rd, Communication Layer passage (GSM/GPRS/Internet); The 4th, charging intelligent card platform is that ETC supplements platform with money; The 5th, smart card core system is ETC core system; The 6th, financial payment systems.
Adopt existing recharge method to carry out flow process that ETC card supplements with money as shown in Figure 2:
1. user supplements platform by terminal device with money to ETC and sends charging request;
2.ETC supplements platform with money and sends user validation checking request, ETC core system back-checking result to ETC core system;
3. user confirms to supplement with money;
4.ETC supplements platform with money and sends and pay application to financial payment systems, and financial payment systems returns to payment result;
5.ETC supplements platform with money and obtains load value data from ETC core system, and generates and to supplement instruction with money and send to terminal device;
6. terminal device will be supplemented instruction with money and be sent smart card to, and smart card execution result is returned to ETC supplement platform with money;
7.ETC supplements platform processes recharge procedure with money, and recharging result is reported to ETC core system.
Wherein, when normally supplementing process with money, smart card can generate transaction verification code TAC when instruction is supplemented in execution with money.Its computation process is prior art, roughly as follows: the result of TAC sub-key (DTK) left and right octet XOR is encrypted computing to following data and produces (by listed order):
-electronic purse balance amount (after transaction);
-stored value card on-line transaction sequence number (before adding 1);
-dealing money;
-type of transaction sign;
-terminating machine numbering;
-trade date (main frame);
-exchange hour (main frame).
As long as there is the change of recharge amount in smart card electronic purse application, will generate TAC value, and TAC value is reported to ETC supplement platform with money, by supplementing platform with money, this value is carried out to verification, after verification succeeds, by supplementing platform with money, to ETC core system, report successful recharging, parallel terminal returns to " successful recharging " sign.
In actual charging intelligent card flow process, can exist financial payment systems to pay successfully, but the abnormal situation of charging intelligent card is mainly divided into two classes: the smart card execution result that runs succeeded does not turn back to charging intelligent card platform but a class is smart card; Another kind of is that smart card is carried out failure or smart card is not received the situation of supplementing instruction with money, in present embodiment, above-mentioned another kind of situation is all called to charging intelligent card failure.A kind of charging intelligent card method and system that the present invention proposes for this problem just, strengthen charging system exception handling ability, and the method and system are applicable to the charging intelligent card of different field industries such as () finance, consumption, traffic.
Fig. 3 shows the structured flowchart of a kind of intelligent card charging system of the present invention, and this system comprises charging request module 11 and supplement module 12 with money, wherein:
Charging request module 11 is for sending charging request by charging intelligent card terminal device to charging intelligent card platform by user;
When charging intelligent card results abnormity type is charging intelligent card failure, the concrete mode that supplementary value cell 122 carries out the supplementary value of smart card is:
1. charging intelligent card platform obtains the supplementary Value Data of abnormal historical recharging payment record to charging intelligent card business core system, generates and supplements instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
2. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
When charging intelligent card results abnormity type is that charging intelligent card platform is not received charging intelligent card execution result, the concrete mode that supplementary value cell carries out the supplementary value of smart card according to the type of charging intelligent card result is:
I. charging intelligent card platform sends to smart card by the transaction authentication instruction of obtaining of abnormal historical recharging payment record;
II. smart card obtains transaction authentication instruction and reads this abnormal historical recharging payment on smart card and record corresponding transaction verification code TAC according to described, and transaction verification code TAC is sent to charging intelligent card platform by terminal device; Obtain in transaction authentication instruction and understand the transaction authentication code which bar recharging payment record identification recording smart card should read, smart card reads the TAC of this record of storing in smart card according to the record identification in instruction;
III. charging intelligent card platform carries out verification to transaction verification code, if verification succeeds completes smart card and supplements value, intelligent card transaction platform returns to " benefit successful recharging " sign to charging intelligent card terminal device; If verification failure, enters step IV;
IV. charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system, generates to supplement instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
V. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
Fig. 4 shows the process flow diagram of a kind of charging intelligent card method based on charging system shown in Fig. 3, and the method mainly comprises following two steps:
Step 1: user sends charging request by smart card terminal equipment to charging intelligent card platform;
Step 2: charging intelligent card platform checks whether historical recharging payment record is abnormal, carries out when abnormal after smart card supplements value normally supplementing with money again, does not have when abnormal directly normally to supplement with money.
User sends charging request by charging intelligent card terminal device to charging intelligent card platform, charging intelligent card platform is received after this request, first according to user's smart card ID, obtain historical recharging payment record corresponding to user, and whether the charging intelligent card result of checking described historical recharging payment record is abnormal, if carry out smart card, supplement and to carry out again smart card after value and normally supplement with money, directly carry out if not smart card and normally supplement with money.Wherein, historical recharging payment record may be up-to-date before user one and supplement record with money, also can be to supplement recently many of record with money, how many historical recharging payment records of concrete inquiry can be set, during inquiry, according to the time of supplementing with money, inquire about, by up-to-date one, supplement start-of-record with money and inquire about.
In addition, method and system of the present invention, can also smart card being set at charging intelligent card platform, to supplement the maximum times N(that Value Operations allows can be 1 time, 2 times or other number of times), this number of times can be supplemented with money in plateform system and once arrange in intelligence, and later all supplementary Value Operations are all used this value.
The concrete mode of carrying out the supplementary value of smart card in this embodiment is:
1) confirm the type of charging intelligent card results abnormity; The type that described recharging result is abnormal comprises charging intelligent card unsuccessfully and charging intelligent card platform is not received charging intelligent card execution result;
2) according to the type of charging intelligent card result, carry out smart card and supplement value.
Wherein, in step 1), confirm that the concrete mode of the type of charging intelligent card results abnormity is:
Charging intelligent card platform inquires the historical recharging payment of smart card when abnormal, if the transaction verification code TAC of this abnormal recharging payment of smart card received by charging intelligent card platform but charging intelligent card failure is confirmed in transaction verification code TAC verification failure; If intelligence is supplemented the execution result that platform is not received this abnormal recharging payment record of smart card with money, confirm that charging intelligent card result type is that charging intelligent card platform is not received charging intelligent card execution result.
When charging intelligent card results abnormity type is charging intelligent card failure, the concrete mode that supplementary value cell 122 carries out the supplementary value of smart card is:
1. charging intelligent card platform obtains the supplementary Value Data of abnormal historical recharging payment record to charging intelligent card business core system, generates and supplements instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
2. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
When charging intelligent card results abnormity type is that charging intelligent card platform is not received charging intelligent card execution result, the concrete mode that supplementary value cell carries out the supplementary value of smart card according to the type of charging intelligent card result is:
I. charging intelligent card platform sends to smart card by the transaction authentication instruction of obtaining of abnormal historical recharging payment record;
II. smart card obtains transaction authentication instruction and reads this abnormal historical recharging payment on smart card and record corresponding transaction verification code TAC according to described, and transaction verification code TAC is sent to charging intelligent card platform by terminal device;
III. charging intelligent card platform carries out verification to transaction verification code, if verification succeeds completes smart card and supplements value, intelligent card transaction platform returns to " benefit successful recharging " sign to charging intelligent card terminal device; If verification failure, enters step IV;
IV. charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system, generates to supplement instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
V. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
Wherein, above-mentioned steps 1. with step IV in, charging intelligent card platform obtains the concrete mode of supplementing Value Data to charging intelligent card business core system and is:
A. charging intelligent card platform checks whether the supplementary Value Operations request number of times of smart card is greater than smart card and supplements the maximum times that Value Operations allows, if return and supplement value failure to smart card, to charging intelligent card terminal, returns to supplementary value if not and confirms application;
B. user confirms to supplement Value Operations;
C. charging intelligent card platform obtains the supplementary Value Data of the abnormal historical recharging payment record of smart card to charging intelligent card business core system.
In above-mentioned steps II, charging intelligent card platform is asked according to user, by obtaining transaction authentication instruction, sends to the concrete mode of smart card to be:
I. charging intelligent card platform checks whether the supplementary Value Operations request number of times of smart card is greater than smart card and supplements the maximum times that Value Operations allows, if return to query manipulation request failure to smart card, to charging intelligent card terminal, return and supplement value confirmation application if not;
Ii. user confirms to supplement Value Operations;
Iii. charging intelligent card platform sends to smart card by charging intelligent card terminal by the transaction authentication instruction of obtaining of abnormal historical recharging payment record.
The described transaction authentication instruction of obtaining is generated by charging intelligent card platform, and this instruction is to stipulate in existing charging intelligent card related specifications, is to have applied it to smart card to supplement in value process in present embodiment.
In Step II I, charging intelligent card platform receives after TAC, TAC is carried out to verification, if verification succeeds, charging intelligent card platform reports successful recharging to smart card core system, and return to " benefit successful recharging " sign to intelligent terminal, if charging intelligent card platform cannot obtain TAC or verification TAC failure, 1. and 2. charging intelligent card platform can be thought smart card recharging payment last time failure, and the step that the smart card when proceeding to step IV and step V(and carrying out charging intelligent card failure is mended recharge procedure).
If by once supplementing value process, still there is the abnormal situation of charging intelligent card, can again by the mode of above-mentioned supplementary value, supplement Value Operations, if surpass smart card, supplement the maximum times that Value Operations allows, charging intelligent card is still unsuccessful, charging intelligent card platform is assert this charging intelligent card operation failure, and report and supplement failure result with money to smart card core system, follow-up charging intelligent card platform need to carry out artificial or automatic punching with financial payment platform and just operate, and the fund of supplementing with money that financial payment systems is paid returns to user's financial account.
Charging intelligent card mode of the present invention, has improved the fault-tolerance of charging system, has strengthened the exception handling ability of system, has guaranteed smart card and has supplemented the consistance of platform on recharge amount with money.Supplementary value, the supplementary value of different intelligent card physical aspect (SIM card, the smart cards such as SD card, PBOC card, ETC card) and the smart card of different communication modes (SMS, BIP, HTTP) that the method and system can be applicable to the smart card electronic purse application of different field industries such as () finance, communication, traffic supplement value mode.
Below in conjunction with specific embodiment, the present invention is further detailed.
Embodiment 1
In the present embodiment with ETC card charging system for describing, charging intelligent card Exception Type is that charging intelligent card platform is not received smart card execution result.In this situation, the process flow diagram that carries out charging intelligent card by method of the present invention as shown in Figure 5:
1. first at ETC, supplement platform side with money supplementary Value Operations maximum times attribute N is set, this number of times can arrange once in system, and later all supplementary Value Operations are all used this value.
2. user is entered and is supplemented with money the page by charging intelligent card terminal device, and terminal device reads smart card ID, and to ETC, supplements platform transmission with money and supplement operation application with money.
3.ETC supplements platform with money and retrieves its system (ETC supplements the background data base of platform with money, store user's the record of supplementing with money), obtaining financial sector corresponding to this smart card ID pays successfully, but do not receive writing operation result, and supplementary Value Operations number of times is less than the abnormal history of maximum times N and supplements record with money, to terminal, return and supplement value confirmation application.
4. user confirms to supplement Value Operations, and ETC supplements platform with money and sends and obtain transaction authentication instruction to terminal device, and terminal device sends this instruction to smart card.Smart card is carried out instruction, and TAC value is returned to terminal device.
5. terminal device reports ETC by TAC and supplements platform with money, and ETC supplements platform verification TAC with money.
6. if verification succeeds, ETC supplements platform with money and reports successful recharging to ETC core system, and returns to " benefit successful recharging " sign to terminal device.If cannot obtain TAC, or verification TAC failure, ETC supplements platform with money can assert the failure of smart card recharging payment last time, enters step that smart card carries out the benefit recharge procedure of supplementing instruction failure with money 1. and 2..
Embodiment 2
In the present embodiment equally with ETC card charging system for describing, charging intelligent card Exception Type is charging intelligent card failure.In this situation, by method of the present invention, carry out process flow diagram that smart card supplements value as shown in Figure 6:
1. first at ETC, supplement platform side with money supplementary Value Operations maximum times attribute N is set, this number of times can arrange once in system, and later all supplementary Value Operations are all used this value.
2. user is entered and is supplemented with money the page by terminal device, and terminal device reads card ID, and to ETC, supplements platform transmission with money and supplement operation application with money.
3.ETC supplements platform searching system with money, obtains payment corresponding to this smart card ID success, but writing smart card failure, and and supplementary Value Operations number of times is less than the record of maximum times N, to terminal, returns and supplements value and confirm to apply for.
4. user confirms to supplement Value Operations.
5.ETC supplements platform with money and to ETC, supplements platform with money and obtain supplementary Value Data, and generates and supplement instruction with money and send terminal device to.Terminal device sends to smart card by instruction, smart card is carried out instruction, and execution result is returned to terminal device, and (final execution result is main is proofing state word, and 9000 represent successfully, non-9000 is unsuccessfully, supplements platform with money and can know that whether charging intelligent card is successful by status word).
6. terminal device reports ETC by smart card execution result and supplements platform with money, and ETC supplements platform with money and reports successful recharging to ETC core system, and returns to " benefit successful recharging " sign to terminal device.
7. if surpass the value's of supplementing number of times, writing smart card is still unsuccessful, and ETC supplements platform with money and records this charging intelligent card operation failure, and reports and supplement failure result with money to ETC core system
8. follow-up ETC supplements platform with money and need to carry out artificial or automatic punching with financial payment platform and just operate (be about in this operation, the fund that financial payment systems pays returns to user's financial account).
Obviously, those skilled in the art can carry out various changes and modification and not depart from the spirit and scope of the present invention the present invention.Like this, if within of the present invention these are revised and modification belongs to the scope of the claims in the present invention and equivalent technology thereof, the present invention is also intended to comprise these changes and modification interior.
Claims (10)
1. a charging intelligent card method, comprises the following steps:
(1) user sends charging request by charging intelligent card terminal device to charging intelligent card platform;
(2) charging intelligent card platform obtains historical recharging payment record corresponding to user according to user's smart card ID, and whether the charging intelligent card result of checking described historical recharging payment record is abnormal, if carry out smart card, supplement and to carry out again smart card after value and normally supplement with money, directly carry out if not smart card and normally supplement with money; The concrete mode of carrying out the supplementary value of smart card is:
1) confirm the type of charging intelligent card results abnormity; The type that described recharging result is abnormal comprises charging intelligent card unsuccessfully and charging intelligent card platform is not received charging intelligent card execution result;
2) according to the type of charging intelligent card result, carry out smart card and supplement value.
2. a kind of charging intelligent card method as claimed in claim 1, is characterized in that, in step 1), confirms that the concrete mode of the type of charging intelligent card results abnormity is:
During the historical recharging payment recording exceptional of smart card, if the transaction verification code TAC of this abnormal recharging payment of smart card received by charging intelligent card platform but charging intelligent card failure is confirmed in transaction verification code TAC verification failure; If intelligence is supplemented the execution result that platform is not received this abnormal recharging payment record of smart card with money, confirm that charging intelligent card result type is that charging intelligent card platform is not received charging intelligent card execution result.
3. a kind of charging intelligent card method as claimed in claim 2, is characterized in that step 2) in, if charging intelligent card results abnormity type is charging intelligent card failure, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
1. charging intelligent card platform obtains the supplementary Value Data of abnormal historical recharging payment record to charging intelligent card business core system, generates and supplements instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
2. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
4. a kind of charging intelligent card method as claimed in claim 2, it is characterized in that, step 2) in, if charging intelligent card results abnormity type is charging intelligent card platform, do not receive charging intelligent card execution result, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
I. charging intelligent card platform sends to smart card by the transaction authentication instruction of obtaining of abnormal historical recharging payment record;
II. smart card obtains transaction authentication instruction and reads this abnormal historical recharging payment on smart card and record corresponding transaction verification code TAC according to described, and transaction verification code TAC is sent to charging intelligent card platform by terminal device;
III. charging intelligent card platform carries out verification to transaction verification code, if verification succeeds completes smart card and supplements value, intelligent card transaction platform returns to " benefit successful recharging " sign to charging intelligent card terminal device; If verification failure, enters step IV;
IV. charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system, generates to supplement instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
V. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
5. a kind of charging intelligent card method as described in claim 3 or 4, is characterized in that, the method also comprises: at charging intelligent card platform, smart card is set and supplements the maximum times that Value Operations allows.
6. a kind of charging intelligent card method as claimed in claim 5, is characterized in that, the concrete mode that charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system is:
A. charging intelligent card platform checks whether the supplementary Value Operations request number of times of smart card is greater than smart card and supplements the maximum times that Value Operations allows, if return and supplement value failure to smart card, to charging intelligent card terminal, returns to supplementary value if not and confirms application;
B. user confirms to supplement Value Operations;
C. charging intelligent card platform obtains the supplementary Value Data of the abnormal historical recharging payment record of smart card to charging intelligent card business core system.
7. a kind of charging intelligent card method as claimed in claim 5, is characterized in that, in Step II, charging intelligent card platform sends to the concrete mode of smart card to be the transaction authentication instruction of obtaining of abnormal historical recharging payment record:
I. charging intelligent card platform checks whether the supplementary Value Operations request number of times of smart card is greater than smart card and supplements the maximum times that Value Operations allows, if return to query manipulation request failure to smart card, to charging intelligent card terminal, return and supplement value confirmation application if not;
Ii. user confirms to supplement Value Operations;
Iii. charging intelligent card platform sends to smart card by charging intelligent card terminal by the transaction authentication instruction of obtaining of abnormal historical recharging payment record.
8. an intelligent card charging system, comprising:
Charging request module, for sending charging request by charging intelligent card terminal device to charging intelligent card platform by user;
Supplement module with money, for charging intelligent card platform, according to user's smart card ID, obtain historical recharging payment record corresponding to user, and whether the charging intelligent card result of checking described historical recharging payment record is abnormal, if carry out smart card, supplement and to carry out again smart card after value and normally supplement with money, directly carry out if not smart card and normally supplement with money; When recharging result is abnormal, supplements module with money and comprise:
Supplement Exception Type judging unit with money, for confirming the type of charging intelligent card results abnormity; The type that described recharging result is abnormal comprises charging intelligent card unsuccessfully and charging intelligent card platform is not received charging intelligent card execution result;
Supplement value cell, for carry out smart card according to the type of charging intelligent card result, supplement value.
9. a kind of intelligent card charging system as claimed in claim 8, is characterized in that, when charging intelligent card results abnormity type is charging intelligent card failure, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
1. charging intelligent card platform obtains the supplementary Value Data of abnormal historical recharging payment record to charging intelligent card business core system, generates and supplements instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
2. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
10. a kind of intelligent card charging system as claimed in claim 8, it is characterized in that, when charging intelligent card results abnormity type is that charging intelligent card platform is not received charging intelligent card execution result, the concrete mode of carrying out the supplementary value of smart card according to the type of charging intelligent card result is:
I. charging intelligent card platform sends to smart card by the transaction authentication instruction of obtaining of abnormal historical recharging payment record;
II. smart card obtains transaction authentication instruction and reads this abnormal historical recharging payment on smart card and record corresponding transaction verification code TAC according to described, and transaction verification code TAC is sent to charging intelligent card platform by terminal device;
III. charging intelligent card platform carries out verification to transaction verification code, if verification succeeds completes smart card and supplements value, intelligent card transaction platform returns to " benefit successful recharging " sign to charging intelligent card terminal device; If verification failure, enters step IV;
IV. charging intelligent card platform obtains supplementary Value Data to charging intelligent card business core system, generates to supplement instruction with money, and by charging intelligent card terminal device, will supplement instruction with money and send to smart card;
V. smart card completes the supplementary value of smart card according to supplementing instruction with money, and benefit recharging result is sent to charging intelligent card platform by charging intelligent card terminal device, completes smart card and supplements value.
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