CN103996118B - Information interacting method, system and transaction terminal inquiry external member - Google Patents

Information interacting method, system and transaction terminal inquiry external member Download PDF

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Publication number
CN103996118B
CN103996118B CN201410209016.3A CN201410209016A CN103996118B CN 103996118 B CN103996118 B CN 103996118B CN 201410209016 A CN201410209016 A CN 201410209016A CN 103996118 B CN103996118 B CN 103996118B
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transaction
card
information
terminal
external
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CN103996118A (en
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李东声
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Tendyron Technology Co Ltd
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Tendyron Technology Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415Cards acting autonomously as pay-media

Abstract

The present invention, which provides a kind of information interacting method, system and transaction terminal inquiry external member, wherein method, to be included:Transaction terminal generates Transaction Information, performs the swiping card to card of merchandising, and transaction terminal and transaction terminal inquiry external member obtain the identification information of transaction card respectively;Transaction terminal sends Transaction Information to transaction card;Transaction card carries out Transaction Information according to transaction key verification calculating acquisition transaction check value and sends to transaction terminal;Transaction terminal generation transaction request information is sent to background system server;Background system server performs transaction according to transaction request information, and generation transaction completion information is sent to transaction terminal after completion of transactions;Transaction terminal inquiry external member judges the identification information of transaction card whether in the first transaction card blacklist, if generating prompt message and simultaneously prompting.For the present invention on the premise of ensureing not influencing arm's length dealing flow, transaction terminal inquiry external member can detect whether transaction card is risk card.

Description

Information interacting method, system and transaction terminal inquiry external member
Technical field
The present invention relates to a kind of electronic technology field, more particularly to a kind of information interacting method, system and transaction terminal Inquire about external member.
Background technology
Now, bank card be replicated, steal brush phenomenon take place frequently, cause the monetary losses of holder, add using bank Block the risk being traded.
And in existing mechanism of swiping the card, be badly in need of propose a solution, with realize to there are the card of risk (such as:It is multiple Fabrication, pseudo- card etc.) verified, ensure the fund security of holder, improve the security being traded using bank card.
The content of the invention
Present invention seek to address that the above problem.
It is a primary object of the present invention to provide a kind of information interacting method;
A further object of the present invention is to provide a kind of information interaction system;
Another object of the present invention is to provide a kind of transaction terminal inquiry external member.
To reach above-mentioned purpose, what technical scheme was specifically realized in:
One aspect of the present invention provides a kind of information interacting method, including:Transaction terminal generates Transaction Information, performs to handing over The swiping card of easy card, transaction terminal and transaction terminal the inquiry external member obtain the mark letter of the transaction card respectively Breath;The transaction terminal sends the Transaction Information to transaction card;The transaction card receives the Transaction Information, root Verification calculating is carried out to the Transaction Information according to transaction key, obtains transaction check value;The transaction card is by the transaction school Value is tested to send to the transaction terminal;The transaction terminal receives the transaction check value, generates transaction request information, and will The transaction request information is sent to background system server, and the transaction request information includes at least:The Transaction Information, institute State the identification information of transaction check value and the transaction card;The background system server receives the transaction request letter Breath, transaction is performed according to the transaction request information;After completion of transactions, letter is completed in generation transaction to the background system server Breath;The transaction is completed information and sent to the transaction terminal by the background system server;Wherein, the transaction terminal with And after transaction terminal inquiry external member obtains the identification information of the transaction card respectively, the method further includes:The transaction Terminal inquiry external member judges the identification information of the transaction card whether in the first transaction card blacklist, wherein, described the One transaction card blacklist is stored in the transaction terminal inquiry external member;If the identification information of the transaction card is described In first transaction card blacklist, then the transaction terminal inquiry external member generation prompt message, and prompt the prompt message.
In addition, if the identification information of the transaction card, in the described first transaction card blacklist, the method is also Including:The transaction terminal inquiry external member sends inquiry request information to the background system server, the inquiry request letter Breath includes at least:The identification information of the Transaction Information and the transaction card, wherein, the Transaction Information is whole for the transaction End inquiry external member is obtained from the transaction terminal;The background system server receives the inquiry request information, judges It is described transaction card identification information whether second transaction card blacklist in, wherein, it is described second transaction card blacklist It is stored in the background system server.
In addition, the method further includes:If the identification information of the transaction card is not black in the described first transaction card In list, then the transaction terminal inquiry external member sends inquiry request information to the background system server, the inquiry and asks Information is asked to include at least:The identification information of the Transaction Information and the transaction card, wherein, the Transaction Information is the friendship What easy terminal inquiry external member was obtained from the transaction terminal;The background system server receives the inquiry request information, The identification information of the transaction card is judged whether in the second transaction card blacklist, wherein, the second transaction card is black List is stored in the background system server.
In addition, when the transaction terminal inquiry external member sends inquiry request information to the background system server, it is described Transaction terminal inquiry external member also sends judging result to the background system server, wherein, the judging result is the friendship Easy terminal inquiry external member judges whether the identification information of the transaction card merchandises the judging result in card blacklist first.
In addition, the method further includes:If the identification information of the transaction card is in the described second transaction black name of card Dan Zhong, then the background system server seal this transaction up for safekeeping.
In addition, the inquiry request information further includes:The transaction check value, wherein the transaction check value is the friendship What easy terminal inquiry external member was obtained from the transaction terminal;If the identification information of the transaction card is in second transactional cards After in piece blacklist, before the background system server seals this transaction up for safekeeping, the method further includes:The background system Server verifies the transaction check value, and is verifying the transaction check value by rear, this transaction is sealed in execution up for safekeeping Operation.
In addition, whether the transaction terminal inquiry external member judges the identification information of the transaction card in the first transaction card After in blacklist, the method further includes:The transaction terminal inquiry external member will determine that result is sent to the background system Server, wherein, the judging result for the transaction terminal inquire about external member judge it is described merchandise card identification information whether Judging result in the first transaction card blacklist;If the judging result for it is described transaction card identification information in institute State in the first transaction card blacklist, then the background system server receives the judging result, seals this transaction up for safekeeping.
In addition, the method further includes:Transaction terminal inquiry external member renewal the first transaction card blacklist.
Another aspect of the invention provides a kind of information interaction system, including:Transaction terminal, transaction terminal inquiry external member, Transaction card and background system server;The transaction terminal, for generating Transaction Information, performs and swipes the card to transaction card Operation, obtains the identification information of the transaction card;The transaction terminal inquires about external member, in transaction terminal execution pair After the swiping card of card of merchandising, the identification information of the transaction card is obtained;The transaction terminal, is additionally operable to the friendship Easy information is sent to transaction card;The transaction card, for receiving the Transaction Information, according to transaction key to the transaction Information carries out verification calculating, obtains transaction check value, and the transaction check value is sent to the transaction terminal;The transaction is eventually End, is additionally operable to receive the transaction check value, generates transaction request information, and the transaction request information is sent to backstage and is System server, the transaction request information include at least:The Transaction Information, the transaction check value and the transaction card Identification information;The background system server, for receiving the transaction request information, performs according to the transaction request information Information is completed in transaction, after completion of transactions, generation transaction, and the transaction is completed information sends to the transaction terminal;It is described Transaction terminal inquires about external member, is additionally operable to after the identification information that transaction terminal inquiry external member obtains the transaction card, The identification information of the transaction card is judged whether in the first transaction card blacklist, wherein, the first transaction card is black List is stored in the transaction terminal inquiry external member, if the identification information of the transaction card is in the described first transaction card In blacklist, then the transaction terminal inquiry external member generation prompt message, and prompt the prompt message.
In addition, the transaction terminal inquiry external member, is additionally operable to judging the identification information of the transaction card described When in the first transaction card blacklist, inquiry request information is sent to the background system server, the inquiry request information Include at least:The identification information of the Transaction Information and the transaction card, wherein, the Transaction Information is the transaction terminal Inquiry external member is obtained from the transaction terminal;The background system server, is additionally operable to receive the inquiry request information, sentences The identification information of the disconnected transaction card whether in the second transaction card blacklist, wherein, the second transaction black name of card Singly it is stored in the background system server.
In addition, the transaction terminal inquiry external member, is additionally operable to judging the identification information of the transaction card not in institute When stating in the first transaction card blacklist, inquiry request information is sent to the background system server, the inquiry request letter Breath includes at least:The identification information of the Transaction Information and the transaction card, wherein, the Transaction Information is whole for the transaction End inquiry external member is obtained from the transaction terminal;The background system server, is additionally operable to receive the inquiry request information, The identification information of the transaction card is judged whether in the second transaction card blacklist, wherein, the second transaction card is black List is stored in the background system server.
In addition, the transaction terminal inquiry external member, is additionally operable to sending inquiry request information to the background system service During device, judging result is also sent to the background system server, wherein, the judging result is transaction terminal inquiry set Part judge it is described transaction card identification information whether first transaction card blacklist in judging result.
In addition, the background system server, it is additionally operable to judging the identification information of the transaction card described the In two transaction card blacklists, this transaction is sealed up for safekeeping.
In addition, the inquiry request information further includes:The transaction check value, wherein the transaction check value is the friendship What easy terminal inquiry external member was obtained from the transaction terminal;The background system server, is additionally operable to judging the transaction After the identification information of card is in the described second transaction card blacklist, the transaction check value is verified, and is testing The transaction check value is demonstrate,proved by rear, the operation of this transaction is sealed in execution up for safekeeping.
In addition, transaction terminal inquiry external member, be additionally operable to judge the transaction card identification information whether After in first transaction card blacklist, it will determine that result is sent to the background system server, wherein, the judging result Whether inquire about external member for the transaction terminal judges the identification information of the transaction card in the first transaction card blacklist Judging result;The background system server, is additionally operable to judging mark letter of the judging result for the transaction card When breath is in the described first transaction card blacklist, the judging result is received, seals this transaction up for safekeeping.
In addition, the transaction terminal inquiry external member, is additionally operable to update the first transaction card blacklist.
Another aspect of the present invention provides a kind of transaction terminal inquiry external member, including:Acquisition module, in the transaction After terminal performs the swiping card to card of merchandising, the identification information of the transaction card is obtained;Judgment module, in institute After stating the identification information that transaction terminal inquiry external member obtains the transaction card, judging the identification information of the transaction card is It is no in the first transaction card blacklist, wherein, the first transaction card blacklist is stored in transaction terminal inquiry set In part;Reminding module, for judging the identification information of the transaction card in first transactional cards in the judgment module When in piece blacklist, prompt message is generated, and prompt the prompt message.
In addition, the acquisition module is additionally operable to obtain the Transaction Information from the transaction terminal;The transaction terminal is looked into External member is ask to further include:Generation module, for judging the identification information of the transaction card described the in the judgment module After in one transaction card blacklist, inquiry request information is generated, the inquiry request information includes at least:The Transaction Information and The identification information of the transaction card;Transceiver module, is inquired about for sending inquiry request information to background system server.
In addition, the acquisition module is additionally operable to obtain the Transaction Information from the transaction terminal;The transaction terminal is looked into External member is ask to further include:Generation module, for judging the identification information of the transaction card not described in the judgment module After in first transaction card blacklist, inquiry request information is generated, the inquiry request information includes at least:The Transaction Information With the identification information of the transaction card;Transceiver module, is looked into for sending inquiry request information to background system server Ask.
In addition, the transceiver module, is additionally operable to when sending inquiry request information to the background system server, send Judging result to the background system server, wherein, the judging result judges the transaction card for the judgment module Identification information whether first transaction card blacklist in judging result.
In addition, the transaction terminal inquiry external member further includes:Transceiver module;The transceiver module, in the judgement Module judge it is described transaction card identification information whether first transaction card blacklist in after, will determine that result send To the background system server, wherein, the judging result judges the mark letter of the transaction card for the judgment module Breath whether first transaction card blacklist in judging result.
In addition, the transaction terminal inquiry external member further includes:Update module, for updating the first transaction black name of card It is single.
As seen from the above technical solution provided by the invention, by the present invention information interacting method, system and Transaction terminal inquires about external member, and on the premise of ensureing not influencing arm's length dealing flow, transaction terminal inquiry external member can detect Whether card of merchandising is risk card.Meanwhile external member is inquired about by the information interacting method of the present invention, system and transaction terminal, The transaction flow of existing transaction terminal (such as POS) need not be changed, need to only increase transaction terminal inquiry external member, be looked into by transaction terminal It is that the detection of risk card can be achieved to ask external member.In addition, inquired about by the information interacting method of the present invention, system and transaction terminal External member, can not only realize the detection to contact intelligent card, can also realize the detection to contact type intelligent card.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, required use in being described below to embodiment Attached drawing be briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention, for this For the those of ordinary skill in field, without creative efforts, other can also be obtained according to these attached drawings Attached drawing.
Fig. 1 is the flow chart of information interacting method provided in an embodiment of the present invention;
Fig. 2 is the structure diagram of information interaction system provided in an embodiment of the present invention;
Fig. 3 is the structure diagram that transaction terminal provided in an embodiment of the present invention inquires about external member.
Embodiment
With reference to the attached drawing in the embodiment of the present invention, the technical solution in the embodiment of the present invention is carried out clear, complete Ground describes, it is clear that described embodiment is only part of the embodiment of the present invention, instead of all the embodiments.Based on this The embodiment of invention, the every other implementation that those of ordinary skill in the art are obtained without making creative work Example, belongs to protection scope of the present invention.
In the description of the present invention, it is to be understood that term " " center ", " longitudinal direction ", " transverse direction ", " on ", " under ", The orientation or position relationship of the instruction such as "front", "rear", "left", "right", " vertical ", " level ", " top ", " bottom ", " interior ", " outer " are Based on orientation shown in the drawings or position relationship, it is for only for ease of the description present invention and simplifies description, rather than instruction or dark Show that the device of meaning or element there must be specific orientation, with specific azimuth configuration and operation, thus it is it is not intended that right The limitation of the present invention.In addition, term " first ", " second " are only used for description purpose, and it is not intended that instruction or hint are opposite Importance or quantity or position.
In the description of the present invention, it is necessary to illustrate, unless otherwise clearly defined and limited, term " installation ", " phase Even ", " connection " should be interpreted broadly, for example, it may be being fixedly connected or being detachably connected, or be integrally connected;Can To be mechanical connection or be electrically connected;It can be directly connected, can also be indirectly connected by intermediary, Ke Yishi Connection inside two elements.For the ordinary skill in the art, with concrete condition above-mentioned term can be understood at this Concrete meaning in invention.
The embodiment of the present invention is described in further detail below in conjunction with attached drawing.
The information interacting method of the present invention is based on following system architecture, which includes:Transaction terminal, transaction terminal inquiry External member, transaction card and background system server.
Transaction terminal can be the traction equipment with card reader that trade company provides, and traction equipment can pass through cable network Or wireless network connection is to background system server, cable network can be the networks such as private line network, internet, wireless network It can be the network of the offers such as wireless Internet, WIFI, cell base station.Traction equipment can be independent equipment or by What at least two equipment were composed possesses the system of trading function.Transaction terminal is specifically as follows:Trade company's POS machine, ATM machine, Combination of the combination of mobile phone, mobile phone and card reader with NFC, PC and card reader etc..
Transaction terminal inquiry external member has the function of to inquire about transaction card whether in blacklist, it can be used as and hand over One external member equipment of easy terminal, for example, the outer sleeve of POS, the protective shell of mobile phone, the outer sleeve of card reader etc..Meanwhile The transaction terminal inquires about external member when transaction terminal carries out swiping card, can also receive the information of transaction card at the same time;Transaction Terminal inquiry external member can also receive the information that transaction terminal is obtained or generated.
Card of merchandising can be the existing smart card with chip, can also carry the smart card of chip and magnetic stripe.Example Such as:Bank card, mass transit card etc..Transaction card can pass through contact mode with transaction terminal and/or transaction terminal inquiry external member Or contactless mode carries out information exchange, for example, can by by the contact mode that card of merchandising is inserted into transaction terminal into Row information interacts, and the contactless mode that can also be swiped the card by NFC carries out information exchange.
Background system server can be the background system server of bank etc., which can realize friendship The trading function and inquiry transaction card of easy card whether blacklist query function, the trading function and query function can be with Realized, can also be realized respectively by trading server and inquiry server by being integrated in a server.
Fig. 1 illustrates the flow chart of the information interacting method of the present invention, referring to Fig. 1, information interacting method of the invention, and bag Include:
Step S101, transaction terminal generation Transaction Information, performs the swiping card to card of merchandising, transaction terminal and friendship Easy terminal inquiry external member obtains the identification information of transaction card respectively;Specifically, transaction terminal can be inputted by receiving user Information generation Transaction Information, can also according to default information generate Transaction Information, such as trade company POS receive cashier exist The merchandise news that Transaction Information, the trade company POS inputted on POS is obtained according to scanning combines the generations such as default amount information and merchandises Information, Transaction Information can include:Transaction amount etc.;Transaction terminal reads and hands over after performing to the swiping card for card of merchandising The identification information of easy card, the identification information can be the unique mark of mark transaction card, such as:It can be transactional cards piece Card number, production time etc..Transaction terminal inquiry external member can be performed by the way of identical with transaction terminal to transaction card Swiping card, reads the identification information of transaction card, and certainly, transaction terminal inquiry external member can also read friendship in transaction terminal After the identification information of easy card, the identification information of transaction card is read from transaction terminal.
Step S102, transaction terminal send Transaction Information to transaction card;Specifically, transaction terminal can pass through contact Formula mode or contactless mode send Transaction Information to transaction card.
Step S103, transaction card receive Transaction Information, carry out verification calculating to Transaction Information according to transaction key, obtain Must be merchandised check value;Specifically, after transaction card receives Transaction Information, school is at least carried out to Transaction Information according to transaction key Test calculating and obtain transaction check value;Transaction key can be stored in advance in transaction card in or according to background system The same rule generation that server is consulted in advance;Transaction key can be symmetric key or unsymmetrical key, asymmetric close The private key of key centering is stored in transaction card, and the public key of unsymmetrical key centering is stored in background system server;Verification Calculate can be according to transaction key carry out MAC calculate, and/or according to transaction key carry out computations, and/or according to Signature calculation that transaction key carries out etc..Calculated by verifying, it is ensured that the integrality, and/or safety for card transaction of merchandising Property, and/or non repudiation.
Certainly, card is merchandised in addition to calculating Transaction Information, can also be to the other information beyond Transaction Information Carry out verification calculating.
Step S104, transaction card send transaction check value to transaction terminal;
Step S105, transaction terminal receive transaction check value, generate transaction request information, and transaction request information is sent out Send to background system server, transaction request information and include at least:The mark letter of Transaction Information, transaction check value and card of merchandising Breath;Specifically, transaction terminal receive transaction check value after, according to transaction terminal generate Transaction Information, obtain transaction The generation transaction request informations such as the transaction check value that the identification information of card, the transaction card received are sent simultaneously are sent to backstage System server, to notify background system server to perform transaction according to transaction request information.
In addition, transaction terminal is also by the Transaction Information of transaction terminal generation, the identification information of the transaction card obtained, reception To transaction card send transaction check value stored, looked into so that later use above- mentioned information is traded card blacklist Ask.
Step S106, background system server receive transaction request information, and transaction is performed according to transaction request information;Tool Body, after background system server receives transaction request information, using the transaction key counterpart keys with card of merchandising to handing over Easy check value is verified, and performs transaction according to Transaction Information after being verified.By being verified to transaction check value, It can ensure the integrality, and/or security, and/or non repudiation of transaction.
Step S107, after completion of transactions, information is completed in generation transaction to background system server;
Transaction is completed information and sent to transaction terminal by step S108, background system server;Specifically, background system takes Transaction is completed information and sent to transaction terminal by business device, to inform that transaction terminal is completed.Thus, arm's length dealing stream is not being influenced In the case of journey, other relevant operations are can also carry out.
Wherein, the mark letter that external member obtains transaction card respectively is inquired about in step S101, transaction terminal and transaction terminal After breath, information interacting method of the invention further includes:
Whether step S109, transaction terminal inquiry external member judge the identification information of transaction card in the first transaction black name of card Dan Zhong, wherein, the first transaction card blacklist is stored in transaction terminal inquiry external member;Specifically, transaction terminal inquires about external member In can prestore the first transaction card blacklist, the first transaction card blacklist can also be obtained from background system server, So that whether transaction terminal inquiry external member can carry out transaction card to verify it in the first transaction card blacklist.Its In, the identification information of copy card, pseudo- identification information blocked etc. can be included in the first transaction card blacklist, so as to transaction terminal Inquiry external member identifies whether the transaction card is card there are risk according to the identification information of transaction card.
In addition, transaction terminal inquiry external member can also be updated the first transaction card blacklist.Transaction terminal is inquired about The fresh information that external member can receive background system server transmission is updated the first transaction card blacklist, background system Server can send fresh information through but not limited to following manner:Updated by wired mode or wireless mode, wherein, Wired mode includes but not limited to internet, dedicated network etc., and wireless mode includes but not limited to broadcast mode, cell base station shape Into network, wireless interconnected net mode etc..
Step S110, if the identification information of transaction card, in the first transaction card blacklist, transaction terminal is inquired about External member generates prompt message, and prompts prompt message.Specifically, transaction terminal, which inquires about external member, is judging the mark of transaction card When information is in the first transaction card blacklist, transaction terminal inquiry external member generation prompt message is simultaneously carried out by word or sounding Prompting, for example, showing that the card is risk card or the speech play card is risk card etc. on a display screen, to hand over The user of risk-informed transaction terminal existing for easy card and transaction terminal inquiry external member.
Certainly, what deserves to be explained is:As long as above-mentioned steps S109 and step S110 are performed after step slol, its It can successively perform, can also be held successively after either step while the either step of step S102 to step S108 OK.
Thus, by the information interacting method of the present invention, on the premise of ensureing not influencing arm's length dealing flow, transaction is eventually End inquiry external member can detect whether transaction card is risk card.Meanwhile by the information interacting method of the present invention, without changing Become the transaction flow of existing transaction terminal (such as POS), need to only increase transaction terminal inquiry external member, external member is inquired about by transaction terminal The detection of risk card can be achieved.In addition, by the information interacting method of the present invention, can not only realize to contact intelligent card Detection, can also realize the detection to contact type intelligent card.
Further, in step s 110 if transaction terminal inquiry external member judges the identification information of transaction card first Merchandise in card blacklist, information interacting method of the invention further includes:
Transaction terminal inquiry external member sends inquiry request information to background system server, inquiry request information and at least wraps Include:The identification information of Transaction Information and transaction card, wherein, Transaction Information is inquired about external member for transaction terminal and is obtained from transaction terminal 's;Specifically, in order to further verify whether transaction card is risk card, transaction terminal inquiry external member also sends inquiry request letter Breath is to background system server, so that background system server is further verified, so as to improve the accuracy of verification.
Whether background system server receives inquiry request information, judge the identification information of transaction card in the second transaction In card blacklist, wherein, the second transaction card blacklist is stored in background system server.Specifically, background system takes Business device is looked into always according to the identification information of the transaction card included in inquiry request information in the second transaction card blacklist Ask, if the identification information of the transaction card, in the second transaction card blacklist, it is risk card to judge the transaction card; The second transaction card blacklist is stored with background system server, can include risk card in the second transaction card blacklist (such as:Puppet card, copy card) identification information, generated time, the card image such as transaction key.Background system server can root Fresh information is sent to transaction terminal inquiry external member according to the second transaction card blacklist, transaction terminal is inquired about external member and believed according to renewal Breath renewal the first transaction card blacklist.
In addition, when transaction terminal inquiry external member sends inquiry request information to background system server, transaction terminal inquiry External member can also send judging result to background system server, wherein, judging result inquires about external member for transaction terminal and judges to hand over The identification information of easy card whether the judging result in the first transaction card blacklist, so that background system server knows friendship Judging result of the easy terminal inquiry external member to card of merchandising.
Further, judge the identification information of transaction card whether in the first transaction in step S109 transaction terminals inquiry external member After in card blacklist, information interacting method of the invention further includes:
Not in the first transaction card blacklist, if transaction terminal inquiry external member is sent the identification information for card of merchandising Inquiry request information to background system server, inquiry request information includes at least:The mark letter of Transaction Information and transaction card Breath, wherein, Transaction Information inquires about what external member was obtained from transaction terminal for transaction terminal;Specifically, in order to further verify transaction Whether card is risk card, and transaction terminal inquiry external member also sends inquiry request information to background system server, so as to backstage System server is further verified, so as to improve the accuracy of verification.
Whether background system server receives inquiry request information, judge the identification information of transaction card in the second transaction In card blacklist, wherein, the second transaction card blacklist is stored in background system server.Specifically, background system takes Business device is looked into always according to the identification information of the transaction card included in inquiry request information in the second transaction card blacklist Ask, if the identification information of the transaction card, in the second transaction card blacklist, it is risk card to judge the transaction card; The second transaction card blacklist is stored with background system server, can include risk card in the second transaction card blacklist (such as:Puppet card, copy card) identification information, generated time, the card image such as transaction key.Background system server can root Fresh information is sent to transaction terminal inquiry external member according to the second transaction card blacklist, transaction terminal is inquired about external member and believed according to renewal Breath renewal the first transaction card blacklist.
In addition, when transaction terminal inquiry external member sends inquiry request information to background system server, transaction terminal inquiry External member can also send judging result to background system server, wherein, judging result inquires about external member for transaction terminal and judges to hand over The identification information of easy card whether the judging result in the first transaction card blacklist, so that background system server knows friendship Judging result of the easy terminal inquiry external member to card of merchandising.
Further, after above-mentioned background system server verifies the identification information for card of merchandising, if transactional cards The identification information of piece is in the second transaction card blacklist, then background system server seals this transaction up for safekeeping.Thus, when judgement should When merchandising card in the second transaction card blacklist, it can be determined that it is the transaction that risk card performs to go out the transaction, so as to To seal the transaction up for safekeeping, ensure the account fund safety of Truth cards legitimate holder.Meanwhile background system server can be with The Transaction Information of the transaction is preserved, work is traced so that bank carries out follow-up fund to the transaction.
Further, inquiry request information can also include:Transaction check value;If the identification information for card of merchandising is second After in transaction card blacklist, before this transaction is sealed up for safekeeping, background system server can also be held background system server The following operation of row:
Background system server verifies transaction check value, and in verification transaction check value by rear, execution is sealed up for safekeeping The operation of this transaction.Thus, by the further verification to transaction check value, background system server verification can be improved Accuracy.
The mode that another background system server seals this transaction up for safekeeping can also be provided below:
Judge whether the identification information of transaction card is black in the first transaction card in step S109 transaction terminals inquiry external member After in list, information interacting method of the invention further includes:
Transaction terminal inquiry external member will determine that result is sent to background system server, wherein, judging result is whole for transaction End inquiry external member judge merchandise card identification information whether first merchandise card blacklist in judging result;
If it is judged that for merchandise card identification information first transaction card blacklist in, then background system service Device receives judging result, seals this transaction up for safekeeping.
Specifically, in this mode, background system server is receiving the judgement knot of transaction terminal inquiry external member transmission After fruit, it is not repeated to judge the identification information for card of merchandising, so as to improve the effect that background system server seals transaction up for safekeeping Rate.
Fig. 2 illustrates the structure diagram of the information interaction system of the embodiment of the present invention, referring to Fig. 2, information of the invention Interactive system includes:Transaction terminal 10, transaction terminal inquiry external member 20, transaction card 30 and background system server 40;This The information interaction system of invention realizes that this is no longer going to repeat them using above- mentioned information exchange method, only the information to the present invention The structure of interactive system is briefly described:
Transaction terminal 10, for generating Transaction Information, performs the swiping card to card 30 of merchandising, obtains transaction card 30 Identification information;
Transaction terminal inquires about external member 20, after being performed in transaction terminal 10 to the swiping card for card 30 of merchandising, obtains Take the identification information of transaction card 30;
Transaction terminal 10, is additionally operable to send Transaction Information to transaction card 30;
Transaction card 30, for receiving Transaction Information, carries out verification calculating to Transaction Information according to transaction key, is handed over Easy check value, transaction check value is sent to transaction terminal 10;
Transaction terminal 10, is additionally operable to receive transaction check value, generates transaction request information, and transaction request information is sent To background system server 40, transaction request information includes at least:The mark of Transaction Information, transaction check value and card 30 of merchandising Information;
Background system server 40, for receiving transaction request information, transaction is performed according to transaction request information, is being merchandised After the completion of, information is completed in generation transaction, and transaction is completed information sends to transaction terminal 10;
Transaction terminal inquires about external member 20, is additionally operable to obtain the identification information of transaction card 30 in transaction terminal inquiry external member 20 Afterwards, the identification information of transaction card 30 is judged whether in the first transaction card blacklist, wherein, the first transaction black name of card Singly be stored in transaction terminal inquiry external member 20 in, if transaction card 30 identification information first transaction card blacklist in, Then transaction terminal inquiry external member 20 generates prompt message, and prompts prompt message.
Further, transaction terminal inquiry external member 20, is additionally operable to hand over first in the identification information for judging transaction card 30 When in easy card blacklist, send inquiry request information to background system server 40, inquiry request information and include at least:Transaction The identification information of information and transaction card 30, wherein, Transaction Information is inquired about external member 20 for transaction terminal and is obtained from transaction terminal 10 's;Whether background system server 40, is additionally operable to receive inquiry request information, judge the identification information of transaction card 30 second In transaction card blacklist, wherein, the second transaction card blacklist is stored in background system server 40.
Further, transaction terminal inquiry external member 20, is additionally operable to judging the identification information of transaction card 30 not first When in transaction card blacklist, send inquiry request information to background system server 40, inquiry request information and include at least:Hand over The identification information of easy information and transaction card 30, wherein, Transaction Information is inquired about external member 20 for transaction terminal and is obtained from transaction terminal 10 Take;Background system server 40, is additionally operable to receive inquiry request information, and whether the identification information for the card 30 that judges to merchandise is the In two transaction card blacklists, wherein, the second transaction card blacklist is stored in background system server 40.
In addition, transaction terminal inquires about external member 20, it is additionally operable to when sending inquiry request information to background system server 40, Judging result is also sent to background system server 40, wherein, judging result inquires about external member 20 for transaction terminal and judges transactional cards The identification information of piece 30 whether first transaction card blacklist in judging result.
In addition, background system server 40, is additionally operable to judging the identification information of transaction card 30 in the second transactional cards In piece blacklist, this transaction is sealed up for safekeeping.
In addition, inquiry request information further includes:Transaction check value, wherein transaction check value inquires about external member 20 for transaction terminal Obtained from transaction terminal 10;Background system server 40, is additionally operable to judging the identification information of transaction card 30 second After in transaction card blacklist, transaction check value is verified, and in verification transaction check value by rear, execution is sealed up for safekeeping originally The operation of secondary transaction.
In addition, transaction terminal inquires about external member 20, it is additionally operable to judging the identification information of transaction card 30 whether first After in transaction card blacklist, it will determine that result is sent to background system server 40, wherein, judging result is transaction terminal Inquiry external member 20 judge merchandise card 30 identification information whether first merchandise card blacklist in judging result;Backstage is System server 40, is additionally operable to judging identification information of the judging result for transaction card 30 in the first transaction card blacklist When, judging result is received, seals this transaction up for safekeeping.
In addition, transaction terminal inquires about external member 20, the transaction card blacklist of renewal first is additionally operable to.
Thus, by the information interaction system of the present invention, on the premise of ensureing not influencing arm's length dealing flow, transaction is eventually End inquiry external member can detect whether transaction card is risk card.Meanwhile by the information interaction system of the present invention, without changing Become the transaction flow of existing transaction terminal (such as POS), need to only increase transaction terminal inquiry external member, external member is inquired about by transaction terminal The detection of risk card can be achieved.In addition, by the information interaction system of the present invention, can not only realize to contact intelligent card Detection, can also realize the detection to contact type intelligent card.
Fig. 3 illustrates the structure diagram of the transaction terminal inquiry external member of the present invention, and referring to Fig. 3, transaction of the invention is whole End inquiry external member uses the transaction terminal of above-mentioned information interacting method to inquire about method used by external member, is handed over as above- mentioned information Transaction terminal inquiry external member in mutual system uses, and this is no longer going to repeat them, and only the transaction terminal of the present invention is inquired about below External member carries out simple structure explanation.
The transaction terminal inquiry external member 20 of the present invention, including:
Acquisition module 201, after being performed in transaction terminal 10 to the swiping card for card 30 of merchandising, obtains transactional cards The identification information of piece 30;
Judgment module 202, after obtaining the identification information of transaction card 30 in transaction terminal inquiry external member 20, judges Merchandise card 30 identification information whether first transaction card blacklist in, wherein, first transaction card blacklist be stored in In transaction terminal inquiry external member 20;
Reminding module 203, for judging the identification information of transaction card 30 in the first transaction card in judgment module 202 When in blacklist, prompt message is generated, and prompt prompt message.
Further, acquisition module 201 is additionally operable to obtain Transaction Information from transaction terminal 10;Transaction terminal inquiry external member 20 is also Including:Generation module 204, the identification information for judging transaction card 30 in judgment module 203 are black in the first transaction card After in list, inquiry request information is generated, inquiry request information includes at least:The mark letter of Transaction Information and transaction card 30 Breath;Transceiver module 205, is inquired about for sending inquiry request information to background system server 40.In addition, transceiver module 205, it is additionally operable to, when sending inquiry request information to background system server 40, send judging result to background system server 40, wherein, whether judging result judges the identification information of transaction card 30 in the first transaction card blacklist for judgment module Judging result.
Further, acquisition module 201 is additionally operable to obtain Transaction Information from transaction terminal 10;Transaction terminal inquiry external member 20 is also Including:Generation module 204, for judging the identification information of transaction card 30 not in the first transaction card in judgment module 203 After in blacklist, inquiry request information is generated, inquiry request information includes at least:The mark letter of Transaction Information and transaction card 30 Breath;Transceiver module 205, is inquired about for sending inquiry request information to background system server 40.In addition, transceiver module 205, it is additionally operable to, when sending inquiry request information to background system server 40, send judging result to background system server 40, wherein, whether judging result judges the identification information of transaction card 30 in the first transaction card blacklist for judgment module Judging result.
In addition, whether transceiver module 205, be additionally operable to judge the identification information of transaction card 30 first in judgment module After in transaction card blacklist, it will determine that result is sent to background system server 40, wherein, judging result is judgment module Judge merchandise card 30 identification information whether first transaction card blacklist in judging result.
In addition, transaction terminal inquiry external member 20 further includes:Update module 206, for updating the first transaction card blacklist.
Thus, external member is inquired about by the transaction terminal of the present invention, on the premise of ensureing not influencing arm's length dealing flow, handed over Easy terminal inquiry external member can detect whether transaction card is risk card.Meanwhile set is inquired about by the transaction terminal of the present invention Part, without changing the transaction flow of existing transaction terminal (such as POS), need to only increase transaction terminal inquiry external member, by merchandising eventually End inquiry external member is that the detection of risk card can be achieved.In addition, inquiring about external member by the transaction terminal of the present invention, can not only realize Detection to contact intelligent card, can also realize the detection to contact type intelligent card.
Any process or method described otherwise above description in flow chart or herein is construed as, and represents to include Module, fragment or the portion of the code of the executable instruction of one or more the step of being used for realization specific logical function or process Point, and the scope of the preferred embodiment of the present invention includes other realization, wherein can not press shown or discuss suitable Sequence, including according to involved function by it is basic at the same time in the way of or in the opposite order, carry out perform function, this should be of the invention Embodiment person of ordinary skill in the field understood.
It should be appreciated that each several part of the present invention can be realized with hardware, software, firmware or combinations thereof.Above-mentioned In embodiment, software that multiple steps or method can be performed in memory and by suitable instruction execution system with storage Or firmware is realized.If, and in another embodiment, can be with well known in the art for example, realized with hardware Any one of row technology or their combination are realized:With the logic gates for realizing logic function to data-signal Discrete logic, have suitable combinational logic gate circuit application-specific integrated circuit, programmable gate array (PGA), scene Programmable gate array (FPGA) etc..
Those skilled in the art are appreciated that to realize all or part of step that above-described embodiment method carries Suddenly it is that relevant hardware can be instructed to complete by program, the program can be stored in a kind of computer-readable storage medium In matter, the program upon execution, including one or a combination set of the step of embodiment of the method.
In addition, each functional unit in each embodiment of the present invention can be integrated in a processing module, can also That unit is individually physically present, can also two or more units be integrated in a module.Above-mentioned integrated mould Block can both be realized in the form of hardware, can also be realized in the form of software function module.The integrated module is such as Fruit is realized in the form of software function module and as independent production marketing or in use, can also be stored in a computer In read/write memory medium.
Storage medium mentioned above can be read-only storage, disk or CD etc..
In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or the spy for combining the embodiment or example description Point is contained at least one embodiment of the present invention or example.In the present specification, schematic expression of the above terms is not Necessarily refer to identical embodiment or example.Moreover, particular features, structures, materials, or characteristics described can be any One or more embodiments or example in combine in an appropriate manner.
Although the embodiment of the present invention has been shown and described above, it is to be understood that above-described embodiment is example Property, it is impossible to limitation of the present invention is interpreted as, those of ordinary skill in the art are not departing from the principle of the present invention and objective In the case of above-described embodiment can be changed within the scope of the invention, change, replace and modification.The scope of the present invention By appended claims and its equivalent limit.

Claims (15)

  1. A kind of 1. information interacting method, it is characterised in that including:
    Transaction terminal generates Transaction Information, performs the swiping card to card of merchandising, the transaction terminal and transaction terminal are looked into Ask the identification information that external member obtains the transaction card respectively;
    The transaction terminal sends the Transaction Information to transaction card;
    The transaction card receives the Transaction Information, carries out verification calculating to the Transaction Information according to transaction key, obtains Must be merchandised check value;
    The transaction card sends the transaction check value to the transaction terminal;
    The transaction terminal receives the transaction check value, generates transaction request information, and the transaction request information is sent out Send to background system server, the transaction request information includes at least:The Transaction Information, the transaction check value and described The identification information of transaction card;
    The background system server receives the transaction request information, and transaction is performed according to the transaction request information;
    After completion of transactions, information is completed in generation transaction to the background system server;
    The transaction is completed information and sent to the transaction terminal by the background system server;
    Wherein, after transaction terminal and transaction terminal the inquiry external member obtains the identification information of the transaction card respectively, The method further includes:
    The transaction terminal inquiry external member judges the identification information of the transaction card whether in the first transaction card blacklist, Wherein, the first transaction card blacklist is stored in the transaction terminal inquiry external member;
    If the identification information of the transaction card is in the described first transaction card blacklist, the transaction terminal inquiry set Part generates prompt message, and prompts the prompt message;Transaction terminal inquiry external member sends inquiry request information to described Background system server, the inquiry request information include at least:The identification information of the Transaction Information and the transaction card, Wherein, the Transaction Information inquires about what external member was obtained from the transaction terminal for the transaction terminal;The background system service Whether device receives the inquiry request information, judge the identification information of the transaction card in the second transaction card blacklist In, wherein, the second transaction card blacklist is stored in the background system server;
    If the identification information of the transaction card is not in the described first transaction card blacklist, the transaction terminal inquiry External member sends inquiry request information to the background system server, the inquiry request information and includes at least:The transaction letter The identification information of breath and the transaction card, wherein, the Transaction Information inquires about external member from the transaction for the transaction terminal What terminal obtained;The background system server receives the inquiry request information, judges the mark letter of the transaction card Cease whether in the second transaction card blacklist, wherein, the second transaction card blacklist is stored in the background system clothes It is engaged in device.
  2. 2. according to the method described in claim 1, it is characterized in that, transaction terminal inquiry external member sends inquiry request information During to the background system server, the transaction terminal inquiry external member also sends judging result to the background system service Device, wherein, whether the judging result inquires about external member for the transaction terminal and judges the identification information of the card of merchandising the Judging result in one transaction card blacklist.
  3. 3. according to the method described in claim 2, it is characterized in that, the method further includes:
    If the identification information of the transaction card is in the described second transaction card blacklist, the background system server Seal this transaction up for safekeeping.
  4. 4. according to the method described in claim 3, it is characterized in that, the inquiry request information further includes:The transaction verification Value, wherein the transaction check value inquires about what external member was obtained from the transaction terminal for the transaction terminal;
    If after the identification information of the transaction card were in the described second transaction card blacklist, the background system service Before device seals this transaction up for safekeeping, the method further includes:
    The background system server verifies the transaction check value, and is verifying the transaction check value by rear, Perform the operation for sealing this transaction up for safekeeping.
  5. 5. according to the method described in claim 1, it is characterized in that, transaction terminal inquiry external member judges the transaction card Identification information whether first transaction card blacklist in after, the method further includes:
    The transaction terminal inquiry external member will determine that result is sent to the background system server, wherein, the judging result Whether inquire about external member for the transaction terminal judges the identification information of the transaction card in the first transaction card blacklist Judging result;
    If the judging result for it is described transaction card identification information described first transaction card blacklist in, it is described Background system server receives the judging result, seals this transaction up for safekeeping.
  6. 6. method according to any one of claims 1 to 5, it is characterised in that the method further includes:
    Transaction terminal inquiry external member renewal the first transaction card blacklist.
  7. A kind of 7. information interaction system, it is characterised in that including:Transaction terminal, transaction terminal inquiry external member, transaction card and Background system server;
    The transaction terminal, for generating Transaction Information, performs the swiping card to card of merchandising, and obtains the transaction card Identification information;
    The transaction terminal inquires about external member, after being performed in the transaction terminal to the swiping card for card of merchandising, obtains The identification information of the transaction card;
    The transaction terminal, is additionally operable to send the Transaction Information to transaction card;
    The transaction card, for receiving the Transaction Information, verification calculating is carried out according to transaction key to the Transaction Information, Transaction check value is obtained, the transaction check value is sent to the transaction terminal;
    The transaction terminal, is additionally operable to receive the transaction check value, generates transaction request information, and the transaction request is believed Breath sends to background system server, the transaction request information and includes at least:The Transaction Information, it is described transaction check value and The identification information of the transaction card;
    The background system server, for receiving the transaction request information, transaction is performed according to the transaction request information, After completion of transactions, information is completed in generation transaction, and the transaction is completed information sends to the transaction terminal;
    The transaction terminal inquires about external member, is additionally operable to obtain the mark letter of the transaction card in transaction terminal inquiry external member After breath, the identification information of the transaction card is judged whether in the first transaction card blacklist, wherein, first transaction Card blacklist is stored in the transaction terminal inquiry external member, if the identification information of the transaction card is handed over described first In easy card blacklist, then the transaction terminal inquiry external member generation prompt message, and prompt the prompt message;The transaction Terminal inquiry external member, is additionally operable to judging the identification information of the transaction card in the described first transaction card blacklist When, send inquiry request information to the background system server, the inquiry request information and include at least:The Transaction Information With it is described transaction card identification information, wherein, the Transaction Information for the transaction terminal inquire about external member from it is described transaction eventually What end obtained;
    The transaction terminal inquires about external member, is additionally operable to judging the identification information of the transaction card not in the described first transaction When in card blacklist, send inquiry request information to the background system server, the inquiry request information and include at least: The identification information of the Transaction Information and the transaction card, wherein, the Transaction Information inquires about external member for the transaction terminal Obtained from the transaction terminal;The background system server, is additionally operable to receive the inquiry request information, judges the friendship The identification information of easy card whether in the second transaction card blacklist, wherein, the second transaction card blacklist is stored in In the background system server.
  8. 8. system according to claim 7, it is characterised in that
    The transaction terminal inquires about external member, is additionally operable to, when sending inquiry request information to the background system server, also send out Judging result is sent to the background system server, wherein, the judging result inquires about external member for the transaction terminal and judges institute State transaction card identification information whether first transaction card blacklist in judging result.
  9. 9. system according to claim 7, it is characterised in that
    The background system server, is additionally operable to judging the identification information of the transaction card in the described second transaction card In blacklist, this transaction is sealed up for safekeeping.
  10. 10. system according to claim 9, it is characterised in that
    The inquiry request information further includes:The transaction check value, wherein the transaction check value is looked into for the transaction terminal Ask what external member was obtained from the transaction terminal;
    The background system server, is additionally operable to judging the identification information of the transaction card in the described second transaction card After in blacklist, the transaction check value is verified, and is verifying the transaction check value by rear, execution seals this up for safekeeping The operation of secondary transaction.
  11. 11. system according to claim 10, it is characterised in that
    Whether the transaction terminal inquires about external member, be additionally operable to judging the identification information of the transaction card in the first transactional cards After in piece blacklist, it will determine that result is sent to the background system server, wherein, the judging result is the transaction Terminal inquiry external member judge it is described transaction card identification information whether first transaction card blacklist in judging result;
    The background system server, is additionally operable to judging identification information of the judging result for the transaction card in institute When stating in the first transaction card blacklist, the judging result is received, seals this transaction up for safekeeping.
  12. 12. according to claim 7 to 11 any one of them system, it is characterised in that
    The transaction terminal inquires about external member, is additionally operable to update the first transaction card blacklist.
  13. 13. a kind of transaction terminal inquires about external member, it is characterised in that including:
    Acquisition module, after being performed in the transaction terminal to the swiping card for card of merchandising, obtains the transaction card Identification information;
    Judgment module, for after the identification information that transaction terminal inquiry external member obtains the transaction card, judging institute The identification information of transaction card is stated whether in the first transaction card blacklist, wherein, the first transaction card blacklist is deposited Storage is inquired about in external member in the transaction terminal;
    Reminding module, for judging the identification information of the transaction card in the described first transaction card in the judgment module When in blacklist, prompt message is generated, and prompt the prompt message;
    The acquisition module is additionally operable to obtain Transaction Information from the transaction terminal;The transaction terminal inquiry external member further includes: Generation module, for judging the identification information of the transaction card in the described first transaction black name of card in the judgment module Dan Zhonghou judges the identification information of the transaction card not in the described first transaction black name of card in the judgment module Dan Zhonghou, generates inquiry request information, and the inquiry request information includes at least:The Transaction Information and the transaction card Identification information;Transceiver module, is inquired about for sending inquiry request information to background system server.
  14. 14. transaction terminal according to claim 13 inquires about external member, it is characterised in that the transceiver module, is additionally operable to The judgment module judge it is described transaction card identification information whether first transaction card blacklist in after, will determine that As a result send to the background system server.
  15. 15. the transaction terminal inquiry external member according to claim 13 or 14, it is characterised in that
    The transaction terminal inquiry external member further includes:
    Update module, for updating the first transaction card blacklist.
CN201410209016.3A 2014-05-16 2014-05-16 Information interacting method, system and transaction terminal inquiry external member Active CN103996118B (en)

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