CN103996120A - Information interaction method and system - Google Patents

Information interaction method and system Download PDF

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Publication number
CN103996120A
CN103996120A CN201410209025.2A CN201410209025A CN103996120A CN 103996120 A CN103996120 A CN 103996120A CN 201410209025 A CN201410209025 A CN 201410209025A CN 103996120 A CN103996120 A CN 103996120A
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transaction
information
card
described transaction
system server
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CN103996120B (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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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

The invention provides an information interaction method and system. The information interaction method includes the steps that a transaction terminal generates transaction information, obtains identification information of a transaction card, and sends the transaction information to the transaction card; the transaction card conducts verification calculation on the transaction information and obtains transaction verification values to the transaction terminal; the transaction terminal generates transaction request information and sends the transaction request information to a background system server; the background system server executes a transaction according to the transaction request information and generates transaction completing information after the transaction is completed to send the transaction completing information to the transaction terminal; the transaction terminal sends inquire request information to the background system server, the background system server judges whether the identification information of the transaction card is in a transaction card black list or not, and the judgment result is sent to the transaction terminal if the identification information of the transaction card is in the transaction card black list; the judgment result is received by the transaction terminal, a prompt information is generated, and the prompt information is prompted. By means of the information interaction method and system, on the premise that it is guaranteed that the normal transaction procedure is not influenced, whether the transaction card is a risk card or not can be detected by the background system server.

Description

Information interacting method and system
Technical field
The present invention relates to a kind of electronic technology field, relate in particular to a kind of information interacting method and system.
Background technology
Now, the phenomenon that bank card was replicated, stole brush takes place frequently, and causes holder's fund loss, has increased the risk that uses bank card to conclude the business.
And existing swiping the card in mechanism is badly in need of proposing a solution, for example, verify with the card (: copy card, pseudo-card etc.) of realizing there is risk, ensure holder's fund security, improve the security that uses bank card to conclude the business.
Summary of the invention
The present invention is intended to deal with problems.
Fundamental purpose of the present invention is to provide a kind of information interacting method;
Another object of the present invention is to provide a kind of information interaction system.
For achieving the above object, technical scheme of the present invention is specifically achieved in that
One aspect of the present invention provides a kind of information interacting method, comprising: transaction terminal generates Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of described transaction card; Described Transaction Information is sent to transaction card by described transaction terminal; Described transaction card receives described Transaction Information, according to transaction key, described Transaction Information is carried out to verification calculating, obtains transaction proof test value; Described transaction proof test value is sent to described transaction terminal by described transaction card; Described transaction terminal receives described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card; Described background system server receives described transaction request information, according to described transaction request information and executing transaction; Described background system server, after transaction completes, generates the information of having concluded the business; Described background system server completes information by described transaction and is sent to described transaction terminal; Wherein, after described transaction request information is sent to background system server by described transaction terminal, described method also comprises: described transaction terminal sends inquiry request information to described background system server, wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card; Described background system server receives described inquiry request information, and whether the identification information that judges described transaction card is in transaction card blacklist, and wherein, described transaction card blacklist is stored in described background system server; If the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal by described background system server, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card; Described transaction terminal receives described judged result, generates information, and points out described information.
In addition, described method also comprises: if the identification information of described transaction card in described transaction card blacklist, described background system server is sealed this transaction up for safekeeping.
In addition, described inquiry request information also comprises: described transaction proof test value; If the identification information of described transaction card in described transaction card blacklist after, before judged result is sent to described transaction terminal by described background system server, described method also comprises: described background system server is verified described transaction proof test value, and after the described transaction proof test value of checking passes through, carry out the operation that judged result is sent to described transaction terminal.
The present invention provides a kind of information interacting method on the other hand, comprising: transaction terminal generates Transaction Information, carries out the operation of swiping the card to transaction card, and described transaction terminal and transaction terminal inquiry external member are obtained respectively the identification information of described transaction card; Described Transaction Information is sent to transaction card by described transaction terminal; Described transaction card receives described Transaction Information, according to transaction key, described Transaction Information is carried out to verification calculating, obtains transaction proof test value; Described transaction proof test value is sent to described transaction terminal by described transaction card; Described transaction terminal receives described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card; Described background system server receives described transaction request information, according to described transaction request information and executing transaction; Described background system server, after transaction completes, generates the information of having concluded the business; Described background system server completes information by described transaction and is sent to described transaction terminal; Wherein, after described transaction terminal and transaction terminal inquiry external member are obtained respectively the identification information of described transaction card, described method also comprises: described transaction terminal inquiry external member sends inquiry request information to described background system server, wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card; Described background system server receives described inquiry request information, and whether the identification information that judges described transaction card is in transaction card blacklist, and wherein, described transaction card blacklist is stored in described background system server; If the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal inquiry external member by described background system server, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card; Described transaction terminal inquiry external member receives described judged result, generates information, and points out described information.
In addition, described method also comprises: if the identification information of described transaction card in described transaction card blacklist, described background system server is sealed this transaction up for safekeeping.
In addition, described inquiry request information also comprises: described transaction proof test value; If the identification information of described transaction card in described transaction card blacklist after, before judged result is sent to described transaction terminal inquiry external member by described background system server, described method also comprises: described background system server is verified described transaction proof test value, and after the described transaction proof test value of checking passes through, carry out the operation that judged result is sent to described transaction terminal inquiry external member.
One aspect of the present invention also provides a kind of information interaction system, comprising: transaction terminal, transaction card and background system server; Described transaction terminal, for generating Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of described transaction card, and described Transaction Information is sent to transaction card; Described transaction card, for receiving described Transaction Information, carries out verification calculating according to transaction key to described Transaction Information, obtains transaction proof test value, and described transaction proof test value is sent to described transaction terminal; Described transaction terminal, also for receiving described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card; Described background system server, also for receiving described transaction request information, according to described transaction request information and executing transaction, after transaction completes, generates the information of having concluded the business, and described transaction is completed to information and be sent to described transaction terminal; Described transaction terminal, also for after described transaction request information is sent to background system server, send inquiry request information to described background system server, wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card; Described background system server, also for receiving described inquiry request information, whether the identification information that judges described transaction card is in transaction card blacklist, and wherein, described transaction card blacklist is stored in described background system server; If the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card; Described transaction terminal, also for receiving described judged result, generates information, and points out described information.
In addition, described background system server, also during at described transaction card blacklist, seals this transaction for the identification information judging described transaction card up for safekeeping.
In addition, described inquiry request information also comprises: described transaction proof test value; Described background system server, also for the identification information judging described transaction card after described transaction card blacklist, described transaction proof test value is verified, and after the described transaction proof test value of checking passes through, judged result is sent to described transaction terminal.
The present invention also provides a kind of information interaction system on the other hand, comprising: transaction terminal, transaction terminal inquiry external member, transaction card and background system server; Described transaction terminal, for generating Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of described transaction card; Described transaction terminal inquiry external member, for carrying out at described transaction terminal after the operation of swiping the card of transaction card, obtains the identification information of described transaction card; Described transaction terminal, also for being sent to transaction card by described Transaction Information; Described transaction card, for receiving described Transaction Information, carries out verification calculating according to transaction key to described Transaction Information, obtains transaction proof test value, and described transaction proof test value is sent to described transaction terminal; Described transaction terminal, also for receiving described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card; Described background system server, for receiving described transaction request information, according to described transaction request information and executing transaction, after transaction completes, generates the information of having concluded the business, and described transaction is completed to information and be sent to described transaction terminal; Described transaction terminal inquiry external member, also for after obtaining the identification information of described transaction card, send inquiry request information to described background system server, wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card; Described background system server, also for receiving described inquiry request information, judge that the identification information of described transaction card is whether in transaction card blacklist, wherein, described transaction card blacklist is stored in described background system server, if the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal inquiry external member, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card; Described transaction terminal inquiry external member, also for receiving described judged result, generates information, and points out described information.
In addition, described background system server, also during at described transaction card blacklist, seals this transaction for the identification information judging described transaction card up for safekeeping.
In addition, described inquiry request information also comprises: described transaction proof test value; Described background system server, also for the identification information judging described transaction card after described transaction card blacklist, described transaction proof test value is verified, and after the described transaction proof test value of checking passes through, judged result is sent to described transaction terminal inquiry external member.
As seen from the above technical solution provided by the invention, by information interacting method of the present invention and system, do not affect under the prerequisite of arm's length transaction flow process in guarantee, background system server can detect whether transaction card is risk card.
Simultaneously, by information interacting method of the present invention and system, without the transaction flow that changes existing transaction terminal (as POS), and only need carry out small change (for example updating functional modules) to transaction terminal and background system server, can realize the detection of background system risk server card.
In addition, by information interacting method of the present invention and system, the detection of the touch smart card that not only can achieve a butt joint, also can realize the detection to contact type intelligent card.
Brief description of the drawings
In order to be illustrated more clearly in the technical scheme of the embodiment of the present invention, below the accompanying drawing of required use during embodiment is described is briefly described, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skill in the art, do not paying under the prerequisite of creative work, can also obtain other accompanying drawings according to these accompanying drawings.
The process flow diagram of the information interacting method that Fig. 1 provides for the embodiment of the present invention 1;
The structural representation of the information interaction system that Fig. 2 provides for the embodiment of the present invention 1;
The process flow diagram of the information interacting method that Fig. 3 provides for the embodiment of the present invention 2;
The structural representation of the information interaction system that Fig. 4 provides for the embodiment of the present invention 2.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is clearly and completely described, obviously, described embodiment is only the present invention's part embodiment, instead of whole embodiment.Based on embodiments of the invention, those of ordinary skill in the art, not making the every other embodiment obtaining under creative work prerequisite, belong to protection scope of the present invention.
In description of the invention, it will be appreciated that, term " " center ", " longitudinally ", " laterally ", " on ", D score, " front ", " afterwards ", " left side ", " right side ", " vertically ", " level ", " top ", " end ", " interior ", orientation or the position relationship of instructions such as " outward " are based on orientation shown in the drawings or position relationship, only the present invention for convenience of description and simplified characterization, instead of device or the element of instruction or hint indication must have specific orientation, with specific orientation structure and operation, therefore can not be interpreted as limitation of the present invention.In addition, term " first ", " second " be only for describing object, and can not be interpreted as instruction or hint relative importance or quantity or position.
In description of the invention, it should be noted that, unless otherwise clearly defined and limited, term " installation ", " being connected ", " connection " should be interpreted broadly, and for example, can be to be fixedly connected with, and can be also to removably connect, or connect integratedly; Can be mechanical connection, can be also electrical connection; Can be to be directly connected, also can indirectly be connected by intermediary, can be the connection of two element internals.For the ordinary skill in the art, can concrete condition understand above-mentioned term concrete meaning in the present invention.
Below in conjunction with accompanying drawing, the embodiment of the present invention is described in further detail.
Embodiment 1
The information interacting method of the embodiment of the present invention 1 is based on following system architecture, and this system comprises: transaction terminal, transaction card and background system server.
Transaction terminal can be the traction equipment with card reader that trade company provides, traction equipment can be connected to background system server by cable network or wireless network, cable network can be the network such as private line network, internet, and wireless network can be the network that wireless Internet, WIFI, cell base station etc. provide.Traction equipment is equipment independently, can be also the system that possesses trading function being formed by least two device combinations.Transaction terminal is specifically as follows: combination of combination, PC and the card reader of the POS of trade company machine, ATM, mobile phone, mobile phone and card reader with NFC etc.
Transaction card can be the existing smart card with chip, also can be with the smart card of chip and magnetic stripe.For example: bank card, mass transit card etc.Transaction card can carry out information interaction by contact mode or contactless mode with transaction terminal, for example can carry out information interaction by the contact mode that transaction card is inserted in transaction terminal, the contactless mode that also can swipe the card by NFC is carried out information interaction.
Background system server can be the background system server of bank etc., this background system server can be realized the trading function of transaction card and inquiry transaction card whether at the query function of blacklist, this trading function and query function can be realized by being integrated in a server, also can be realized respectively by trading server and querying server.
Fig. 1 has shown the process flow diagram of the information interacting method of the embodiment of the present invention 1, and referring to Fig. 1, the information interacting method of the embodiment of the present invention 1, comprising:
Step S101, transaction terminal generates Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of transaction card; Concrete, transaction terminal can be by receiving the Information generation Transaction Information of user's input, also can be according to default Information generation Transaction Information, the Transaction Information that such as POS of trade company reception cashier inputs on POS, the merchandise news that the POS of trade company obtains according to scanning generate Transaction Information in conjunction with default amount information etc., and Transaction Information can comprise: dealing money etc.; Transaction terminal, after execution operates swiping the card of transaction card, reads the identification information of transaction card, and this identification information can for example, for identifying the unique identification of transaction card: can be card number, the production time etc. of transactional cards sheet.
Step S102, Transaction Information is sent to transaction card by transaction terminal; Concrete, transaction terminal can be sent to transaction card by Transaction Information by contact mode or contactless mode.
Step S103, transaction card receives Transaction Information, according to transaction key, Transaction Information is carried out to verification calculating, obtains transaction proof test value; Concrete, transaction card receives after Transaction Information, at least Transaction Information is carried out to verification calculate acquisition transaction proof test value according to transaction key; Transaction key can be pre-stored in transaction card, can be also to generate according to the same rule of consulting in advance with background system server; Transaction key can be symmetric key or unsymmetrical key, and the private key of unsymmetrical key centering is stored in transaction card, and the PKI of unsymmetrical key centering is stored in background system server; It can be the MAC calculating of carrying out according to transaction key and/or computations and/or the signature calculation of carrying out according to transaction key etc. of carrying out according to transaction key that verification is calculated.Calculate integrality and/or security and/or the non repudiation of the card transaction that can ensure to conclude the business by verification.
Certainly, transaction card, except Transaction Information is calculated, can also carry out verification calculating to other information beyond Transaction Information.
Step S104, transaction proof test value is sent to transaction terminal by transaction card;
Step S105, transaction terminal receives transaction proof test value, generates transaction request information, and transaction request information is sent to background system server, and transaction request information at least comprises: the identification information of Transaction Information, transaction proof test value and transaction card; Concrete, transaction terminal is receiving after transaction proof test value, the generation transaction request information such as the transaction proof test value that the identification information of the Transaction Information generating according to transaction terminal, the transaction card obtaining, the transaction card receiving send are also sent to background system server, so that notice background system server is concluded the business according to transaction request information and executing.
In addition, the transaction proof test value that the identification information of the Transaction Information that transaction terminal also generates transaction terminal, the transaction card obtaining, the transaction card receiving send is stored, the card blacklist inquiry so that the above-mentioned information of later use is concluded the business.
Step S106, background system server receives transaction request information, concludes the business according to transaction request information and executing; Concrete, background system server receives after transaction request information, utilizes with the transaction key counterpart keys of transaction card transaction proof test value is verified, and carry out transaction according to Transaction Information after being verified.By transaction proof test value is verified, can ensure integrality and/or security and/or the non repudiation of transaction.
Step S107, background system server, after transaction completes, generates the information of having concluded the business;
Step S108, background system server completes information by transaction and is sent to transaction terminal; Concrete, background system server completes information by transaction and is sent to transaction terminal, to inform that transaction terminal completes.Thus, in the situation that not affecting arm's length transaction flow process, can also carry out other associative operations.
Wherein, step S105, after transaction request information is sent to background system server by transaction terminal, information interacting method of the present invention also comprises:
Step S109, transaction terminal sends inquiry request information to background system server, and wherein, inquiry request information at least comprises: the identification information of Transaction Information and transaction card; Concrete, in order to reach whether checking transaction card is the object of risk card, transaction terminal sends inquiry request information to background system server, so that background system server verifies transaction card, thereby ensures the correct verification to transaction card.
Step S110, background system server receives inquiry request information, and whether the identification information that judges transaction card is in transaction card blacklist, and wherein, transaction card blacklist is stored in background system server; Concrete, background system server is according to the identification information of the transaction card comprising in inquiry request information, in transaction card blacklist, inquire about, if the identification information of this transaction card in transaction card blacklist, judging this transaction card is risk card; In background system server, store this transaction card blacklist, in transaction card blacklist, can comprise the card image such as identification information, rise time, transaction key of risk card (for example: pseudo-card, copy card), so that background system server at least verifies according to the identification information of transaction card whether this transaction card is risk card.
Step S111, if the identification information of transaction card is in transaction card blacklist, judged result is sent to transaction terminal by background system server, and wherein, judged result is the whether judged result in transaction card blacklist of identification information that background system server judges transaction card; Concrete, if the identification information of transaction card is in transaction card blacklist, illustrate that this transaction card is risk card, background system server informs that this transaction card of this transaction terminal is risk card, so that the user of prompting transaction terminal concludes the business, card is risky.
Step S112, transaction terminal receives judged result, generates information, and points out this information.Concrete, transaction terminal receives the identification information of background system server judgement transaction card in the time of the judged result of concluding the business in card blacklist, generate information and point out by word or sounding, for example, showing that this card of screen display is that risk card or this card of speech play are risk card etc., so that the user of the risk-informed transaction terminal that transaction card is existed.
Certainly, what deserves to be explained is: above-mentioned steps S109 to step S112 as long as carry out after step S105, and it can carry out successively at step S106 in arbitrary step of step S108, also can after arbitrary step, carry out successively.
Thus, by information interacting method of the present invention, do not affect under the prerequisite of arm's length transaction flow process in guarantee, background system server can detect whether transaction card is risk card.Simultaneously, by information interacting method of the present invention, without the transaction flow that changes existing transaction terminal (as POS), and only need carry out small change (for example updating functional modules) to transaction terminal and background system server, can realize the detection of background system risk server card.In addition, by information interacting method of the present invention, the detection of the touch smart card that not only can achieve a butt joint, also can realize the detection to contact type intelligent card.
Further, after above-mentioned background system server is verified the identification information of transaction card, if the identification information of transaction card in transaction card blacklist, background system server is sealed this transaction up for safekeeping.Thus, in the time judging that this transaction card is in transaction card blacklist, can judge this transaction is the transaction that risk card is carried out, thereby can seal this transaction up for safekeeping, ensures the legal holder's of true card account fund safety.Meanwhile, background system server can also be preserved the Transaction Information of this transaction, traces work so that bank carries out follow-up fund to this transaction.
Further, inquiry request information can also comprise: transaction proof test value; Background system server is after the identification information of judging transaction card is in transaction card blacklist, before judged result is sent to transaction terminal by background system server, background system server can also be carried out following operation: background system server is verified transaction proof test value, and after checking transaction proof test value passes through, carry out the operation that judged result is sent to transaction terminal.Thus, by the further checking to transaction proof test value, can improve the accuracy of background system server authentication.
Fig. 2 has shown the structural representation of the information interaction system of the embodiment of the present invention 1, and referring to Fig. 2, the information interaction system of the embodiment of the present invention 1 comprises: transaction terminal 10, transaction card 20 and background system server 30; Information interaction system of the present invention adopts the information interacting method of above-described embodiment 1 to realize, and this is no longer going to repeat them, and only the structure of the information interaction system to the embodiment of the present invention 1 is briefly described:
Transaction terminal 10, for generating Transaction Information, carries out the operation of swiping the card to transaction card 20, obtains the identification information of transaction card 20, and Transaction Information is sent to transaction card 20;
Transaction card 20, for receiving Transaction Information, carries out verification calculating according to transaction key to Transaction Information, obtains transaction proof test value, and transaction proof test value is sent to transaction terminal 10;
Transaction terminal 10, also for receiving transaction proof test value, generates transaction request information, and transaction request information is sent to background system server 30, and transaction request information at least comprises: the identification information of Transaction Information, transaction proof test value and transaction card 20;
Background system server 30, also for receiving transaction request information, according to the transaction of transaction request information and executing, after transaction completes, generates the information of having concluded the business, and transaction is completed to information and be sent to transaction terminal 10;
Transaction terminal 10, also for after transaction request information is sent to background system server 30, sends inquiry request information to background system server 30, and wherein, inquiry request information at least comprises: the identification information of Transaction Information and transaction card 20;
Background system server 30, also for receiving inquiry request information, whether the identification information that judges transaction card 20 is in transaction card blacklist, and wherein, transaction card blacklist is stored in background system server 30; If the identification information of transaction card 20 is in transaction card blacklist, judged result is sent to transaction terminal 10, wherein, judged result be background system server 30 judge transaction card 20 identification information whether in the judged result of concluding the business in card blacklist;
Transaction terminal 10, also for receiving judged result, generates information, and points out this information.
Further, background system server 30, also during at transaction card blacklist, seals this transaction for the identification information judging transaction card 20 up for safekeeping.
Further, inquiry request information also comprises: transaction proof test value; Background system server 30, also, for after concluding the business card blacklist at the identification information of judging transaction card 20, verifies transaction proof test value, and after checking transaction proof test value passes through, judged result is sent to transaction terminal 10.
Thus, by information interaction system of the present invention, do not affect under the prerequisite of arm's length transaction flow process in guarantee, background system server can detect whether transaction card is risk card.Simultaneously, by information interaction system of the present invention, without the transaction flow that changes existing transaction terminal (as POS), and only need carry out small change (for example updating functional modules) to transaction terminal and background system server, can realize the detection of background system risk server card.In addition, by information interaction system of the present invention, the detection of the touch smart card that not only can achieve a butt joint, also can realize the detection to contact type intelligent card.
Embodiment 2
Information interacting method of the present invention is based on following system architecture, and this system comprises: 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, traction equipment can be connected to background system server by cable network or wireless network, cable network can be the network such as private line network, internet, and wireless network can be the network that wireless Internet, WIFI, cell base station etc. provide.Traction equipment is equipment independently, can be also the system that possesses trading function being formed by least two device combinations.Transaction terminal is specifically as follows: combination of combination, PC and the card reader of the POS of trade company machine, ATM, mobile phone, mobile phone and card reader with NFC etc.
Transaction terminal inquiry external member can be used as an external member equipment of transaction terminal, for example, and the outer sleeve of POS, the containment vessel of mobile phone, the outer sleeve of card reader etc.Meanwhile, this transaction terminal inquiry external member, in the time that transaction terminal is swiped the card operation, can also receive the information of transaction card simultaneously; Transaction terminal inquiry external member can also receive the information that transaction terminal obtains or generates.
Transaction card can be the existing smart card with chip, also can be with the smart card of chip and magnetic stripe.For example: bank card, mass transit card etc.Transaction card can carry out information interaction by contact mode or contactless mode with transaction terminal and/or transaction terminal inquiry external member, for example can carry out information interaction by the contact mode that transaction card is inserted in transaction terminal, the contactless mode that also can swipe the card by NFC is carried out information interaction.
Background system server can be the background system server of bank etc., this background system server can be realized the trading function of transaction card and inquiry transaction card whether at the query function of blacklist, this trading function and query function can be realized by being integrated in a server, also can be realized respectively by trading server and querying server.
Fig. 3 has shown the process flow diagram of the information interacting method of the embodiment of the present invention 2, and referring to Fig. 3, the information interacting method of the embodiment of the present invention 2, comprising:
Step S301, transaction terminal generates Transaction Information, carries out the operation of swiping the card to transaction card, and transaction terminal and transaction terminal inquiry external member are obtained respectively the identification information of transaction card; Concrete, transaction terminal can be by receiving the Information generation Transaction Information of user's input, also can be according to default Information generation Transaction Information, the Transaction Information that such as POS of trade company reception cashier inputs on POS, the merchandise news that the POS of trade company obtains according to scanning generate Transaction Information in conjunction with default amount information etc., and Transaction Information can comprise: dealing money etc.; Transaction terminal, after execution operates swiping the card of transaction card, reads the identification information of transaction card, and this identification information can for example, for identifying the unique identification of transaction card: can be card number, the production time etc. of transactional cards sheet.Transaction terminal inquiry external member can adopt the mode identical with transaction terminal to carry out the operation of swiping the card to transaction card, read the identification information of transaction card, certainly, transaction terminal inquiry external member also can read after the identification information of transaction card at transaction terminal, reads the identification information of transaction card from transaction terminal.
Step S302, Transaction Information is sent to transaction card by transaction terminal; Concrete, transaction terminal can be sent to transaction card by Transaction Information by contact mode or contactless mode.
Step S303, transaction card receives Transaction Information, according to transaction key, Transaction Information is carried out to verification calculating, obtains transaction proof test value; Concrete, transaction card receives after Transaction Information, at least Transaction Information is carried out to verification calculate acquisition transaction proof test value according to transaction key; Transaction key can be pre-stored in transaction card, can be also to generate according to the same rule of consulting in advance with background system server; Transaction key can be symmetric key or unsymmetrical key, and the private key of unsymmetrical key centering is stored in transaction card, and the PKI of unsymmetrical key centering is stored in background system server; It can be the MAC calculating of carrying out according to transaction key and/or computations and/or the signature calculation of carrying out according to transaction key etc. of carrying out according to transaction key that verification is calculated.Calculate integrality and/or security and/or the non repudiation of the card transaction that can ensure to conclude the business by verification.
Certainly, transaction card, except Transaction Information is calculated, can also carry out verification calculating to other information beyond Transaction Information.
Step S304, transaction proof test value is sent to transaction terminal by transaction card;
Step S305, transaction terminal receives transaction proof test value, generates transaction request information, and transaction request information is sent to background system server, and transaction request information at least comprises: the identification information of Transaction Information, transaction proof test value and transaction card; Concrete, transaction terminal is receiving after transaction proof test value, the generation transaction request information such as the transaction proof test value that the identification information of the Transaction Information generating according to transaction terminal, the transaction card obtaining, the transaction card receiving send are also sent to background system server, so that notice background system server is concluded the business according to transaction request information and executing.
In addition, the transaction proof test value that the identification information of the Transaction Information that transaction terminal also generates transaction terminal, the transaction card obtaining, the transaction card receiving send is stored, the card blacklist inquiry so that the above-mentioned information of later use is concluded the business.
Step S306, background system server receives transaction request information, concludes the business according to transaction request information and executing; Concrete, background system server receives after transaction request information, utilizes with the transaction key counterpart keys of transaction card transaction proof test value is verified, and carry out transaction according to Transaction Information after being verified.By transaction proof test value is verified, can ensure integrality and/or security and/or the non repudiation of transaction.
Step S307, background system server, after transaction completes, generates the information of having concluded the business;
Step S308, background system server completes information by transaction and is sent to transaction terminal; Concrete, background system server completes information by transaction and is sent to transaction terminal, to inform that transaction terminal completes.Thus, in the situation that not affecting arm's length transaction flow process, can also carry out other associative operations.
Wherein, at step S301, after transaction terminal and transaction terminal inquiry external member are obtained respectively the identification information of transaction card, information interacting method of the present invention also comprises:
Step S309, transaction terminal inquiry external member sends inquiry request information to background system server, and wherein, inquiry request information at least comprises: the identification information of Transaction Information and transaction card; Concrete, in order to realize whether checking transaction card is the object of risk card, transaction terminal inquiry external member sends inquiry request information to background system server, so that background system server verifies transaction card, thereby ensures the correct verification to transaction card.
Step S310, background system server receives inquiry request information, and whether the identification information that judges transaction card is in transaction card blacklist, and wherein, transaction card blacklist is stored in background system server; Concrete, background system server is according to the identification information of the transaction card comprising in inquiry request information, in transaction card blacklist, inquire about, if the identification information of this transaction card in transaction card blacklist, judging this transaction card is risk card; In background system server, store this transaction card blacklist, in transaction card blacklist, can comprise the card image such as identification information, rise time, transaction key of risk card (for example: pseudo-card, copy card), so that background system server at least verifies according to the identification information of transaction card whether this transaction card is risk card.
Step S311, if the identification information of transaction card is in transaction card blacklist, judged result is sent to transaction terminal inquiry external member by background system server, wherein, judged result is the whether judged result in transaction card blacklist of identification information that background system server judges transaction card; Concrete, if the identification information of transaction card is in transaction card blacklist, illustrate that this transaction card is risk card, background system server informs that this this transaction card of transaction terminal inquiry external member is risk card, so that the user of prompting transaction terminal and transaction terminal inquiry external member concludes the business, card is risky.
Step S312, transaction terminal inquiry external member receives judged result, generates information, and points out this information.Concrete, transaction terminal inquiry external member is in the time receiving judged result in transaction card blacklist of identification information that background system server judges transaction card, transaction terminal inquiry external member generates information and points out by word or sounding, for example, showing that this card of screen display is that risk card or this card of speech play are risk card etc., so that the user of the risk-informed transaction terminal that transaction card is existed and transaction terminal inquiry external member.
Certainly, what deserves to be explained is: above-mentioned steps S309 and step S312 as long as carry out after step S301, and it can carry out successively at step S302 in arbitrary step of step S308, also can after arbitrary step, carry out successively.
Thus, by information interacting method of the present invention, do not affect under the prerequisite of arm's length transaction flow process in guarantee, background system server can detect whether transaction card is risk card.Simultaneously, by information interacting method of the present invention, without the transaction flow that changes existing transaction terminal (as POS), only needing increases transaction terminal inquiry external member and background system server is carried out to small change (such as module upgrade etc.), can realize the detection of risk card by background system server.In addition, by information interacting method of the present invention, the detection of the touch smart card that not only can achieve a butt joint, also can realize the detection to contact type intelligent card.
Further, after above-mentioned background system server is verified the identification information of transaction card, if the identification information of transaction card in transaction card blacklist, background system server is sealed this transaction up for safekeeping.Thus, in the time judging that this transaction card is in transaction card blacklist, can judge this transaction is the transaction that risk card is carried out, thereby can seal this transaction up for safekeeping, ensures the legal holder's of true card account fund safety.Meanwhile, background system server can also be preserved the Transaction Information of this transaction, traces work so that bank carries out follow-up fund to this transaction.
Further, inquiry request information can also comprise: transaction proof test value; Background system server is after the identification information of judging transaction card is in transaction card blacklist, before judged result is sent to transaction terminal inquiry external member by background system server, background system server can also be carried out following operation: background system server is verified transaction proof test value, and after checking transaction proof test value passes through, carry out the operation that judged result is sent to transaction terminal inquiry external member.Thus, by the further checking to transaction proof test value, can improve the accuracy of background system server authentication.
Fig. 4 has shown the structural representation of the information interaction system of the embodiment of the present invention 2, and referring to Fig. 4, the information interaction system of the embodiment of the present invention 2 comprises: transaction terminal 10, transaction terminal inquiry external member 20, transaction card 30 and background system server 40; Information interaction system of the present invention adopts above-described embodiment 2 information interacting methods to realize, and this is no longer going to repeat them, and only the structure of the information interaction system to the embodiment of the present invention 2 is briefly described:
Transaction terminal 10, for generating Transaction Information, carries out the operation of swiping the card to transaction card 30, obtains the identification information of transaction card 30;
Transaction terminal inquiry external member 20, for carrying out at transaction terminal 10 after the operation of swiping the card of transaction card 30, obtains the identification information of transaction card 30;
Transaction terminal 10, also for being sent to Transaction Information transaction card 30;
Transaction card 30, for receiving Transaction Information, carries out verification calculating according to transaction key to Transaction Information, obtains transaction proof test value, and transaction proof test value is sent to transaction terminal 10;
Transaction terminal 10, also for receiving transaction proof test value, generates transaction request information, and transaction request information is sent to background system server 40, and transaction request information at least comprises: the identification information of Transaction Information, transaction proof test value and transaction card 30;
Background system server 40, for receiving transaction request information, according to the transaction of transaction request information and executing, after transaction completes, generates the information of having concluded the business, and transaction is completed to information and be sent to transaction terminal 10;
Transaction terminal inquiry external member 20, also for after obtaining the identification information of transaction card 30, sends inquiry request information to background system server 40, and wherein, inquiry request information at least comprises: the identification information of Transaction Information and transaction card 30;
Background system server 40, also for receiving inquiry request information, judge that the identification information of transaction card 30 is whether in transaction card blacklist, wherein, transaction card blacklist is stored in background system server 40, if the identification information of transaction card 30, in transaction card blacklist, is sent to transaction terminal inquiry external member 20 by judged result, wherein, judged result is the whether judged result in transaction card blacklist of identification information that background system server 40 judges transaction card 30;
Transaction terminal inquiry external member 20, also for receiving judged result, generates information, and points out this information.
Further, background system server 40, also during at transaction card blacklist, seals this transaction for the identification information judging transaction card 30 up for safekeeping.
Further, inquiry request information also comprises: transaction proof test value; Background system server 40, also, for after concluding the business card blacklist at the identification information of judging transaction card 30, verifies transaction proof test value, and after checking transaction proof test value passes through, judged result is sent to transaction terminal inquiry external member 20.
Thus, by information interaction system of the present invention, do not affect under the prerequisite of arm's length transaction flow process in guarantee, background system server can detect whether transaction card is risk card.Simultaneously, by information interaction system of the present invention, without the transaction flow that changes existing transaction terminal (as POS), only needing increases transaction terminal inquiry external member and background system server is carried out to small change (such as module upgrade etc.), can realize the detection of risk card by background system server.In addition, by information interaction system of the present invention, the detection of the touch smart card that not only can achieve a butt joint, also can realize the detection to contact type intelligent card.
Any process of otherwise describing in process flow diagram or at this or method are described and can be understood to, represent to comprise that one or more is for realizing module, fragment or the part of code of executable instruction of step of specific logical function or process, and the scope of the preferred embodiment of the present invention comprises other realization, wherein can be not according to order shown or that discuss, comprise according to related function by the mode of basic while or by contrary order, carry out function, this should be understood by embodiments of the invention person of ordinary skill in the field.
Should be appreciated that each several part of the present invention can realize with hardware, software, firmware or their combination.In the above-described embodiment, multiple steps or method can realize with being stored in software or the firmware carried out in storer and by suitable instruction execution system.For example, if realized with hardware, the same in another embodiment, can realize by any one in following technology well known in the art or their combination: there is the discrete logic for data-signal being realized to the logic gates of logic function, there is the special IC of suitable combinational logic gate circuit, programmable gate array (PGA), field programmable gate array (FPGA) etc.
Those skilled in the art are appreciated that realizing all or part of step that above-described embodiment method carries is can carry out the hardware that instruction is relevant by program to complete, described program can be stored in a kind of computer-readable recording medium, this program, in the time carrying out, comprises step of embodiment of the method one or a combination set of.
In addition, the each functional unit in each embodiment of the present invention can be integrated in a processing module, can be also that the independent physics of unit exists, and also can be integrated in a module two or more unit.Above-mentioned integrated module both can adopt the form of hardware to realize, and also can adopt the form of software function module to realize.If described integrated module realizes and during as production marketing independently or use, also can be stored in a computer read/write memory medium using the form of software function module.
The above-mentioned storage medium of mentioning can be ROM (read-only memory), disk or CD etc.
In the description of this instructions, the description of reference term " embodiment ", " some embodiment ", " example ", " concrete example " or " some examples " etc. means to be contained at least one embodiment of the present invention or example in conjunction with specific features, structure, material or the feature of this embodiment or example description.In this manual, the schematic statement of above-mentioned term is not necessarily referred to identical embodiment or example.And specific features, structure, material or the feature of description can be with suitable mode combination in any one or more embodiment or example.
Although illustrated and described embodiments of the invention above, be understandable that, above-described embodiment is exemplary, can not be interpreted as limitation of the present invention, those of ordinary skill in the art can change above-described embodiment within the scope of the invention in the situation that not departing from principle of the present invention and aim, amendment, replacement and modification.Scope of the present invention is by claims and be equal to and limit.

Claims (12)

1. an information interacting method, is characterized in that, comprising:
Transaction terminal generates Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of described transaction card;
Described Transaction Information is sent to transaction card by described transaction terminal;
Described transaction card receives described Transaction Information, according to transaction key, described Transaction Information is carried out to verification calculating, obtains transaction proof test value;
Described transaction proof test value is sent to described transaction terminal by described transaction card;
Described transaction terminal receives described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card;
Described background system server receives described transaction request information, according to described transaction request information and executing transaction;
Described background system server, after transaction completes, generates the information of having concluded the business;
Described background system server completes information by described transaction and is sent to described transaction terminal;
Wherein, after described transaction request information is sent to background system server by described transaction terminal, described method also comprises:
Described transaction terminal sends inquiry request information to described background system server, and wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card;
Described background system server receives described inquiry request information, and whether the identification information that judges described transaction card is in transaction card blacklist, and wherein, described transaction card blacklist is stored in described background system server;
If the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal by described background system server, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card;
Described transaction terminal receives described judged result, generates information, and points out described information.
2. method according to claim 1, is characterized in that, described method also comprises: if the identification information of described transaction card in described transaction card blacklist, described background system server is sealed this transaction up for safekeeping.
3. method according to claim 1 and 2, is characterized in that, described inquiry request information also comprises: described transaction proof test value; If the identification information of described transaction card in described transaction card blacklist after, before judged result is sent to described transaction terminal by described background system server, described method also comprises:
Described background system server is verified described transaction proof test value, and after the described transaction proof test value of checking passes through, is carried out the operation that judged result is sent to described transaction terminal.
4. an information interacting method, is characterized in that, comprising:
Transaction terminal generates Transaction Information, carries out the operation of swiping the card to transaction card, and described transaction terminal and transaction terminal inquiry external member are obtained respectively the identification information of described transaction card;
Described Transaction Information is sent to transaction card by described transaction terminal;
Described transaction card receives described Transaction Information, according to transaction key, described Transaction Information is carried out to verification calculating, obtains transaction proof test value;
Described transaction proof test value is sent to described transaction terminal by described transaction card;
Described transaction terminal receives described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card;
Described background system server receives described transaction request information, according to described transaction request information and executing transaction;
Described background system server, after transaction completes, generates the information of having concluded the business;
Described background system server completes information by described transaction and is sent to described transaction terminal;
Wherein, after described transaction terminal and transaction terminal inquiry external member are obtained respectively the identification information of described transaction card, described method also comprises:
Described transaction terminal inquiry external member sends inquiry request information to described background system server, and wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card;
Described background system server receives described inquiry request information, and whether the identification information that judges described transaction card is in transaction card blacklist, and wherein, described transaction card blacklist is stored in described background system server;
If the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal inquiry external member by described background system server, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card;
Described transaction terminal inquiry external member receives described judged result, generates information, and points out described information.
5. method according to claim 4, is characterized in that, described method also comprises: if the identification information of described transaction card in described transaction card blacklist, described background system server is sealed this transaction up for safekeeping.
6. according to the method described in claim 4 or 5, it is characterized in that, described inquiry request information also comprises: described transaction proof test value; If the identification information of described transaction card in described transaction card blacklist after, before judged result is sent to described transaction terminal inquiry external member by described background system server, described method also comprises:
Described background system server is verified described transaction proof test value, and after the described transaction proof test value of checking passes through, is carried out the operation that judged result is sent to described transaction terminal inquiry external member.
7. an information interaction system, is characterized in that, comprising: transaction terminal, transaction card and background system server;
Described transaction terminal, for generating Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of described transaction card, and described Transaction Information is sent to transaction card;
Described transaction card, for receiving described Transaction Information, carries out verification calculating according to transaction key to described Transaction Information, obtains transaction proof test value, and described transaction proof test value is sent to described transaction terminal;
Described transaction terminal, also for receiving described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card;
Described background system server, also for receiving described transaction request information, according to described transaction request information and executing transaction, after transaction completes, generates the information of having concluded the business, and described transaction is completed to information and be sent to described transaction terminal;
Described transaction terminal, also for after described transaction request information is sent to background system server, send inquiry request information to described background system server, wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card;
Described background system server, also for receiving described inquiry request information, whether the identification information that judges described transaction card is in transaction card blacklist, and wherein, described transaction card blacklist is stored in described background system server; If the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card;
Described transaction terminal, also for receiving described judged result, generates information, and points out described information.
8. system according to claim 7, is characterized in that,
Described background system server, also during at described transaction card blacklist, seals this transaction for the identification information judging described transaction card up for safekeeping.
9. according to the system described in claim 7 or 8, it is characterized in that,
Described inquiry request information also comprises: described transaction proof test value;
Described background system server, also for the identification information judging described transaction card after described transaction card blacklist, described transaction proof test value is verified, and after the described transaction proof test value of checking passes through, judged result is sent to described transaction terminal.
10. an information interaction system, is characterized in that, comprising: transaction terminal, transaction terminal inquiry external member, transaction card and background system server;
Described transaction terminal, for generating Transaction Information, carries out the operation of swiping the card to transaction card, obtains the identification information of described transaction card;
Described transaction terminal inquiry external member, for carrying out at described transaction terminal after the operation of swiping the card of transaction card, obtains the identification information of described transaction card;
Described transaction terminal, also for being sent to transaction card by described Transaction Information;
Described transaction card, for receiving described Transaction Information, carries out verification calculating according to transaction key to described Transaction Information, obtains transaction proof test value, and described transaction proof test value is sent to described transaction terminal;
Described transaction terminal, also for receiving described transaction proof test value, generate transaction request information, and described transaction request information is sent to background system server, described transaction request information at least comprises: the identification information of described Transaction Information, described transaction proof test value and described transaction card;
Described background system server, for receiving described transaction request information, according to described transaction request information and executing transaction, after transaction completes, generates the information of having concluded the business, and described transaction is completed to information and be sent to described transaction terminal;
Described transaction terminal inquiry external member, also for after obtaining the identification information of described transaction card, send inquiry request information to described background system server, wherein, described inquiry request information at least comprises: the identification information of described Transaction Information and described transaction card;
Described background system server, also for receiving described inquiry request information, judge that the identification information of described transaction card is whether in transaction card blacklist, wherein, described transaction card blacklist is stored in described background system server, if the identification information of described transaction card is in described transaction card blacklist, judged result is sent to described transaction terminal inquiry external member, wherein, described judged result is the whether judged result in transaction card blacklist of identification information that described background system server judges described transaction card;
Described transaction terminal inquiry external member, also for receiving described judged result, generates information, and points out described information.
11. systems according to claim 10, is characterized in that,
Described background system server, also during at described transaction card blacklist, seals this transaction for the identification information judging described transaction card up for safekeeping.
12. according to the system described in claim 10 or 11, it is characterized in that,
Described inquiry request information also comprises: described transaction proof test value;
Described background system server, also for the identification information judging described transaction card after described transaction card blacklist, described transaction proof test value is verified, and after the described transaction proof test value of checking passes through, judged result is sent to described transaction terminal inquiry external member.
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