CN103839339B - A kind of offline transaction message up sending method and offline transaction message up sending system - Google Patents
A kind of offline transaction message up sending method and offline transaction message up sending system Download PDFInfo
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- CN103839339B CN103839339B CN201210489796.2A CN201210489796A CN103839339B CN 103839339 B CN103839339 B CN 103839339B CN 201210489796 A CN201210489796 A CN 201210489796A CN 103839339 B CN103839339 B CN 103839339B
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Abstract
The present invention relates to a kind of offline transaction message up sending method and offline transaction message up sending system.The method comprises: offline transaction step, jointly completes offline transaction by cloud POS terminal and cloud platform; Offline transaction storing step, cloud POS terminal and cloud platform store offline transaction message respectively; Offline transaction send step, cloud platform automatically by offline transaction message up sending to receipts single system; Offline transaction forwards step, receives single system by offline transaction message repeating to card information exchange system; And offline transaction response returns step, return transaction response via receipts single system to cloud platform from card information exchange system.According to the present invention, the loss that trade company causes because lost offline transaction message can be avoided, and just can complete the message up sending of batch without the need to manual operation.
Description
Technical field
The present invention relates to microcomputer data processing, particularly relate to the offline transaction message up sending method based on cloud POS terminal and offline transaction message up sending system.
Background technology
In the prior art, along with domestic bank card EMV moves the propelling that shoots ahead, the sector application based on small amount payment is also more and more universal.
Fig. 7 represents the process flow diagram based on the offline transaction business of common POS terminal in prior art.
As shown in Figure 7, first, POS terminal selects consumer sale, then, IC-card is inserted according to prompting, by POS terminal, Card Reader process is carried out to IC-card, then, select electronic cash application, the POS terminal prompting input amount of money, input the amount of money by operator and confirm the amount of money, then entering small amount payment flow process, if pay successfully, showing Transaction Success, prompting is extracted IC-card and prints sales slip; If pay unsuccessful, display Fail Transaction go forward side by side line correlation prompting.
But, the above-mentioned offline transaction business based on PBOC2.0 specification, its message up sending environment very imperfection, conspicuous contradiction shows the following aspects:
(1) existing protocols call trade company 21:40 every day/front upper send offline transaction message, could take settlement fund at second day; And a lot of trade company has also just terminated in normal business or business at 21:40, had little time to send offline transaction message at all;
(2) manually on text body of delivering newspaper be a very loaded down with trivial details thing;
(3) if offline transaction message up sending adopts the method that " stroke by stroke " is sent, very consuming time.And a lot of public transit system, shopping center transaction data amount are large, at all cannot by complete for all message up sending before 21:40;
(4) if trade company is because POS is lost or POS fault, cause offline transaction message dropping, trade company just can not take settlement fund from credit card issuer, thus causes huge loss to trade company;
(5) if offline transaction is only stored in POS terminal, credit card issuer, receipts single file and card are organized and all there is relevant risk.
Summary of the invention
The present invention aims to provide a kind of offline transaction message up sending method that can effectively solve the problem and offline transaction message up sending system, particularly, the present invention aims to provide a kind of can sending transaction message and can prevent from causing because of POS terminal fault offline transaction message up sending method and the offline transaction message up sending system of offline transaction message dropping on receipts single system by automatic batch.
Offline transaction message up sending method of the present invention, the method is the exchanges data realizing cloud POS terminal based on cloud POS terminal and cloud platform and receive between single system, card information exchange system, it is characterized in that, comprising:
Offline transaction step, completes offline transaction jointly by cloud POS terminal and cloud platform;
Offline transaction storing step, cloud POS terminal and cloud platform store offline transaction message respectively;
Offline transaction send step, cloud platform automatically by offline transaction message up sending to receipts single system;
Offline transaction forwards step, receives single system by offline transaction message repeating to card information exchange system; And
Offline transaction response returns step, returns transaction response from card information exchange system via receipts single system to cloud platform.
Preferably, in described offline transaction storing step, cloud POS terminal by offline transaction packet storage at cloud POS terminal, cloud platform by offline transaction packet storage at cloud platform.
Preferably, described offline transaction send in step, receipts single system is delivered to by offline transaction message batch in cloud platform timing automatic ground.
Preferably, described offline transaction forwarding step comprises the steps:
Receive single system and resolve offline transaction message;
To offline transaction message checking file and record format;
Receive single system and offline transaction message batch is forwarded to card information exchange system.
Preferably, in described offline transaction step, jointly complete offline transaction by carrying out exchanges data by cloud browser between cloud POS terminal and cloud platform.
Offline transaction message up sending system of the present invention, is characterized in that, comprising: cloud POS terminal, cloud platform, receipts single system, card information exchange system,
Described cloud POS terminal and cloud platform are used for jointly completing offline transaction, and wherein, described cloud POS terminal and cloud platform store offline transaction message respectively,
Described cloud platform is used for offline transaction message batch to be forwarded to receipts single system,
Described receipts single system forwards the offline transaction message that comes and by message up sending to described card information exchange system for resolving from described cloud platform,
Described card information exchange system is cleared the offline transaction message received from described receipts single system and is returned transaction response message to receipts single system.
Preferably, described receipts single system is delivered to by offline transaction message batch in described cloud platform timing automatic ground.
Preferably, described receipts single system comprises:
Resolution unit, resolves offline transaction message;
Verification unit, to offline transaction message checking file and record format;
Transmission/reception unit, is forwarded to described card information exchange system by offline transaction message batch, receives the transaction returned from described card information exchange system and replys and this transaction response is forwarded to described cloud platform.
Preferably, described cloud POS terminal comprises:
For with connect between described cloud platform and coordinated the cloud browser of offline transaction with described cloud platform.
Preferably, described cloud platform comprises:
Offline transaction processing unit, for having coordinated offline transaction with described cloud browser, and for storing offline transaction message; And
Message reception/transmission unit, delivers to described receipts single system on being packed by offline transaction message.
According to offline transaction message up sending method of the present invention and offline transaction message up sending system, because cloud platform stores the message of offline transaction equally, even if so trade company lost offline transaction message, settlement fund also can not be caused cannot to arrive the such loss of account.And, message up sending action is completed in bulk by cloud platform self-timing, such trade company does not just need the problem paying close attention to message up sending again, the trade company huge concerning trading volume, without the need to occupying the time and efforts of wasting because of offline transaction message up sending in addition, meanwhile, trade company is without the need to considering the timing node of offline transaction message, even if trade company's business hours very late, the fund clearing on the same day also can not be affected.
Accompanying drawing explanation
Fig. 1 is the framework schematic diagram representing cloud POS terminal.
Fig. 2 is the process flow diagram of the key step representing offline transaction message up sending method of the present invention.
Fig. 3 is the schematic diagram of the idiographic flow representing the offline transaction step S101 jointly completed by cloud POS terminal 100 and cloud platform 200.
Fig. 4 is the structural representation representing offline transaction message up sending system of the present invention.
Fig. 5 shows the structural representation of offline transaction message up sending system medium cloud platform 200 of the present invention.
Fig. 6 represents the structural representation receiving single system 300 in offline transaction message up sending system of the present invention.
Fig. 7 represents the process flow diagram based on the offline transaction business of common POS terminal in prior art.
Embodiment
What introduce below is some in multiple embodiment of the present invention, aims to provide basic understanding of the present invention.Be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.
Offline transaction message up sending method of the present invention moves on to cloud platform by after the transaction flow operating in POS terminal (Point-Of-Saleterminal) in prior art, and POS terminal is as just interactive interface (this terminal being called " cloud POS terminal 100 " hereinafter).Fig. 1 is the framework schematic diagram representing cloud POS terminal.After move on to cloud platform these transaction flows mainly refer to following flow process:
(1) magnetic stripe card on-line transaction: the encryption and decryption etc. of transaction message assembling, message;
(2) IC-card on-line transaction: to assemble with the interaction logic of card, the online safety certification of card, transaction message, encryption and decryption etc.;
(3) IC-card offline transaction: with the interaction logic, card off-line consumption authenticating transactions depacketize, encryption and decryption etc. of card.Jointly completed by cloud POS browser 500 and cloud platform 200 at IC-card offline transaction, but do not communicate with receipts single system 300.
Wherein, in the de-card of IC based on cloud POS terminal is concluded the business, part transaction flow has also moved on to cloud platform 200 afterwards.Under regard to the offline transaction message up sending method based on cloud POS terminal of the present invention and be described.
Fig. 2 is the process flow diagram of the key step representing offline transaction message up sending method of the present invention.
Offline transaction message up sending method of the present invention realizes cloud POS terminal 100 based on cloud POS terminal 100 and cloud platform 200 and receives the method for the exchanges data between single system 300, card information exchange system 300.As shown in Figure 1, offline transaction message up sending method of the present invention mainly comprises the steps:
Offline transaction step S101: jointly complete offline transaction by cloud POS terminal 100 and cloud platform 200;
Offline transaction storing step S102, cloud POS terminal 100 and cloud platform 200 store offline transaction message in cloud POS terminal 100 and cloud platform 200 respectively;
Offline transaction send step S103: cloud platform 200 timing in bulk by offline transaction message up sending to receive single system 300;
Offline transaction forwards step S104: receive single system 300 and offline transaction message batch is forwarded to card information exchange system 400; And
Offline transaction response returns step S105: transaction response turned back to after the process of the complete swap of card information exchange system 400 and receive single system 300, then returns transaction response by receipts single system 300 to cloud platform 200.
Fig. 3 is the schematic diagram of the detailed process representing the offline transaction step S101 jointly completed by cloud POS terminal 100 and cloud platform 200, and the data interaction between its medium cloud POS terminal 100 and cloud platform 200 is realized by the cloud browser 500 in Fig. 1.
The concrete sequential of offline transaction step S101 is as shown in Figure 2:
1. to conclude the business the request of main interface: ask POS to conclude the business main interface URL from cloud POS terminal 100 to cloud platform 200.
2. the main interface of transaction: the validity of cloud POS terminal 100 verified by cloud platform 200, judges transaction interface request type, returns to the main interface of transaction.
3. requesting consumption transaction interface: cloud POS terminal 100 asks the sub-interface URL of electronic cash consumer sale to cloud platform 200.
4. swipe the card and ask interface: cloud platform 200 judges that type of transaction is electronic cash consumer sale, sends request to cloud POS terminal 100 prompting of swiping the card.
5. user swipes the card in cloud POS terminal 100, returns card list of application to cloud platform 200.
6. card application choice request: cloud platform 200 is according to the electronic cash consumer applications in card list of application request cloud POS terminal 100 choice cards.
7. card application choice response: beam back the response of card application choice from cloud POS terminal 100 to cloud platform 200, return card data list object.
8. application initializes request cloud platform 200 returns concrete data object information according to PDOL list, and obtains the application data position on card.
9. initialization response: card stores PDOL object, and returns application message from cloud POS terminal 100 to cloud platform 200.
10. read the request of card application data: the record that cloud platform 200 is all on cloud terminal 100 acquisition request card.
11. return card application data: return all recorded informations card from cloud POS terminal 100 to cloud platform 200.
12. offline data certifications, process restriction: cloud platform 200, according to card data, is selected off line static data certification or Dynamic Data Authentication, and judged card expiration, version number etc.
13. holders verify request (PIN): cloud platform 200 selects holder's checking according to card CVM list, and request cloud POS terminal 100 inputs holder's identifying code (this option is optional).
14.PIN responds: holder, from cloud POS terminal 100 input validation code, if holder is without password, then directly enters the 15th step (this option is optional).
15. prompting input spending amount: PIN success verified by cloud platform 200, or without PIN checking, request input spending amount.
The 16. input amount of money: input spending amount cloud POS terminal 100 operator.
17. terminal risk managements, terminal behavior analysis: cloud platform 200 verifies that PIN is correct, or holder is without after password, terminal is for the follow-up for anomaly of card, and terminal is for the processing response of transaction.
18. terminal behavior results: cloud platform 200, according to terminal behavior analysis, returns off line requests transaction result to cloud POS terminal 100.
19. off-line processing requests: card request cloud platform 200 carries out off-line processing to transaction.
20. electronic cash detail inquiry offline transaction process cloud platforms 200 are concluded the business according to the process of electronic cash off-line consumption transaction process flow.
21. electronic cash consumption information: electronic cash off-line consumption information is sent to cloud POS terminal 100 by cloud platform 200.
Like this, offline transaction step S101 is jointly completed by cloud terminal 100 and cloud platform 200 by the step of carrying out above-mentioned sequential 1 ~ 21.
Offline transaction storing step S102 is carried out after completing offline transaction step S101, namely cloud POS terminal 100 and cloud platform 200 store offline transaction message in cloud POS terminal 100 and cloud platform 200 respectively, like this because cloud platform 200 stores offline transaction message, even if therefore trade company lost offline transaction message (such as, because POS terminal is damaged or fault), settlement fund also can not be caused cannot to arrive the problem of account.
Carry out offline transaction send step S103 after offline transaction storing step S102, namely cloud platform 200 timing in bulk by offline transaction message up sending to receive single system 300.Such as, can according to actual needs, the offline transaction message that the same day produced by timing every day is sent to from cloud platform 200 batch and receives single system 300.Like this, by cloud platform 200 automatically complete offline transaction message on give, trade company does not just need to pay close attention to the problem of message up sending again.For the trade company that trading volume is huge, offline transaction message is sent on the ground without the need to other spended time and do the best " stroke by stroke ", and trade company is also without the need to considering the timing node of offline transaction message, even if trade company's business till all hours, the fund clearing on the same day also can not be affected.
After offline transaction serves step S103, carry out offline transaction forward step S104.Offline transaction forwards step S104 and specifically comprises following sub-step:
Receive single system 300 and resolve offline transaction message;
Receive single system 300 pairs of offline transaction message checking files and record format;
Receive single system 300 and offline transaction message batch is forwarded to card information exchange system 400.
After transaction forwards step S104, carry out transaction response return step S105.Transaction response returns step S105 and comprises following sub-step:
Process from card information exchange system 400 pairs of offline transaction messages;
Card information exchange system 400 receives single system 300 by turning back to the transaction response after offline transaction Message processing;
Receive single system 300 and be forwarded to cloud platform 200 by required for this transaction.
According to offline transaction message up sending method of the present invention, message up sending action is completed automatically by cloud platform 200, trade company does not need the problem paying close attention to message up sending again, cloud platform 200 stores the message of offline transaction, even if so trade company lost offline transaction message, also settlement fund can not be caused cannot to arrive the such loss of account, and, the trade company huge concerning trading volume, without the need to occupying the time and efforts of wasting because of offline transaction message up sending in addition, simultaneously, trade company is without the need to considering the timing node of offline transaction message, even if trade company's business hours very late, also the fund clearing on the same day can not be affected.
Above offline transaction message up sending method of the present invention is illustrated, under regard to offline transaction message up sending system of the present invention and be described.
Fig. 4 is the structural representation representing offline transaction message up sending system of the present invention.
As shown in Figure 4, offline transaction message up sending system of the present invention comprises: at least one cloud POS terminal 100(is schematically illustrated as 3 in the diagram, does not limit in the present invention to the number of cloud POS terminal 100), cloud platform 200, receive single system 300, card information exchange system 400.
Cloud POS terminal 100 and cloud platform 200 are for jointly completing offline transaction, and wherein, described cloud POS terminal 100 and cloud platform 200 store offline transaction message respectively.Cloud POS terminal 100 comprise for connect between cloud platform 200 and coordinated with cloud platform 200 in cloud browser 500(Fig. 4 of offline transaction not shown, have diagram in Fig. 1).
Cloud platform 200 receives single system 300 for being forwarded to by offline transaction message batch, and such as cloud platform 200 receives single system 300 by offline transaction message batch is delivered to can being set as timing automatic every day.
Fig. 5 is the structural representation representing offline transaction message up sending system medium cloud platform 200 of the present invention.As shown in Figure 5, cloud platform 200 comprises: offline transaction processing unit 201, for having coordinated offline transaction with cloud browser 500, and for storing offline transaction message; And message reception/transmission unit 202, on being packed by offline transaction message, deliver to receipts single system 300.
Described receipts single system 300 forwards the offline transaction message that comes and by message up sending to described card information exchange system 400 for resolving from described cloud platform 200.Fig. 6 represents the structural representation receiving single system 300 in offline transaction message up sending system of the present invention.As shown in Figure 6, receive single system 300 and comprise: resolution unit 301, the offline transaction message forwarded from cloud platform 200 is resolved; Verification unit 302, to the offline transaction packet parsing verification file through resolving and record format; Transmission/reception unit 303, offline transaction message batch is forwarded to card information exchange system 400, on the other hand, when can Information Exchange System 400 complete exchange settlement after receive return from card information exchange system 400 transaction response and by this transaction response be forwarded to cloud platform 200.
Described card information exchange system 400 is for clearing the offline transaction message received from described receipts single system 300 and returning transaction response message to receipts single system 300.
According to offline transaction message up sending system of the present invention, message up sending action is completed automatically by cloud platform 200, and trade company does not need the problem paying close attention to message up sending again.And cloud platform 200 also stores the message of offline transaction in the same manner as cloud POS terminal 100, even if so trade company lost offline transaction message, settlement fund also can not be caused cannot to arrive the such loss of account.In addition, due to cloud platform 200 timing automatic by offline transaction is delivered to receive single system 300, therefore, the trade company huge concerning trading volume, without the need to occupying the time and efforts of wasting because of offline transaction message up sending in addition.Meanwhile, because cloud platform 200 can be set to timing every day to the above-mentioned data of receipts single system 300, therefore, trade company is without the need to considering the timing node of offline transaction message, even if trade company's business hours very late, also can not affect the fund clearing on the same day.
Above example mainly describes offline transaction message up sending method of the present invention and offline transaction message up sending system.Although be only described some of them the specific embodiment of the present invention, those of ordinary skill in the art should understand, and the present invention can implement with other forms many not departing from its purport and scope.Therefore, the example shown and embodiment are regarded as illustrative and not restrictive, when do not depart from as appended each claim define the present invention spirit and scope, the present invention may contain various amendments and replacement.
Claims (10)
1. an offline transaction message up sending method, the method realizes cloud POS terminal based on cloud POS terminal and cloud platform and receives the method for the exchanges data between single system, card information exchange system, it is characterized in that, comprising:
Offline transaction step, completes offline transaction jointly by cloud POS terminal and cloud platform;
Offline transaction storing step, cloud POS terminal and cloud platform store offline transaction message respectively;
Offline transaction send step, cloud platform batch by offline transaction message up sending to receive single system;
Offline transaction forwards step, receives single system by offline transaction message repeating to card information exchange system; And
Offline transaction response returns step, returns transaction response from card information exchange system via receipts single system to cloud platform.
2. offline transaction message up sending method as claimed in claim 1, is characterized in that,
In described offline transaction storing step, cloud POS terminal by offline transaction packet storage at cloud POS terminal, cloud platform by offline transaction packet storage at cloud platform.
3. offline transaction message up sending method as claimed in claim 1, is characterized in that,
Described offline transaction send in step, receipts single system is delivered to by offline transaction message batch in cloud platform timing automatic ground.
4. offline transaction message up sending method as claimed in claim 1, is characterized in that,
Described offline transaction forwards step and comprises following sub-step:
Receive single system and resolve offline transaction message;
To offline transaction message checking file and record format;
Receive single system and offline transaction message batch is forwarded to card information exchange system.
5. the offline transaction message up sending method as described in Claims 1 to 4 any one, is characterized in that,
In described offline transaction step, jointly complete offline transaction by carrying out exchanges data by cloud browser between cloud POS terminal and cloud platform.
6. an offline transaction message up sending system, is characterized in that, comprising: cloud POS terminal, cloud platform, receipts single system, card information exchange system,
Described cloud POS terminal and cloud platform are used for jointly completing offline transaction, and wherein, described cloud POS terminal and cloud platform store offline transaction message respectively,
Described cloud platform is used for offline transaction message batch to be forwarded to receipts single system,
Described receipts single system forwards the offline transaction message that comes and by message up sending to described card information exchange system for resolving from described cloud platform,
Described card information exchange system is used for clearing the offline transaction message received from described receipts single system and returns transaction response message to receipts single system.
7. offline transaction message up sending system as claimed in claim 6, is characterized in that,
Described receipts single system is delivered to by offline transaction message batch in described cloud platform timing automatic ground.
8. offline transaction message up sending system as claimed in claim 6, is characterized in that,
Described receipts single system comprises:
Resolution unit, resolves offline transaction message;
Verification unit, to offline transaction message checking file and record format;
Transmission/reception unit, is forwarded to described card information exchange system by offline transaction message batch, receives the transaction returned from described card information exchange system and replys and this transaction response is forwarded to described cloud platform.
9. the offline transaction message up sending system as described in claim 6 ~ 8 any one, is characterized in that,
Described cloud POS terminal comprises:
For with connect between described cloud platform and coordinated the cloud browser of offline transaction with described cloud platform.
10. offline transaction message up sending system as claimed in claim 9, it is characterized in that, described cloud platform comprises:
Offline transaction processing unit, for having coordinated offline transaction with described cloud browser, and for storing offline transaction message; And
Message reception/transmission unit, delivers to described receipts single system on being packed by offline transaction message.
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| CN104036386B (en) * | 2014-06-12 | 2017-07-07 | 长沙麓云信息科技有限公司 | A kind of POS based on virtual platform is credible transaction system and method |
| CN105608576A (en) * | 2014-11-24 | 2016-05-25 | 中国移动通信集团公司 | Method, device and terminal for processing information |
| CN105590208A (en) * | 2015-03-24 | 2016-05-18 | 中国银联股份有限公司 | Mobile terminal having offline transaction notification function and notification method |
| CN112215596A (en) * | 2019-07-10 | 2021-01-12 | 南京赛凯斯信息科技有限公司 | Bidirectional fault-tolerant control method for off-line electronic wallet transaction |
| CN111833046B (en) * | 2020-07-28 | 2024-02-23 | 中国银行股份有限公司 | Digital electronic cash management method and device |
| CN113191769B (en) * | 2021-06-03 | 2024-10-15 | 中国银行股份有限公司 | Transaction data synchronization method, bank background system and transaction terminal |
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