CN104867009A - Intelligent card, quota control system thereof, and quota control method thereof - Google Patents
Intelligent card, quota control system thereof, and quota control method thereof Download PDFInfo
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- CN104867009A CN104867009A CN201510254001.3A CN201510254001A CN104867009A CN 104867009 A CN104867009 A CN 104867009A CN 201510254001 A CN201510254001 A CN 201510254001A CN 104867009 A CN104867009 A CN 104867009A
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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
- G06Q20/30—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
- G06Q20/356—Aspects of software for card payments
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
The invention discloses an intelligent card comprising an input module, a processing module, a storage module and an interface module. The input module is used for inputting transaction quota values. The processing module is used for writing the transaction quota values in the storage module. The storage module is used for storing the transaction quota values, the intraday cumulative amount and the balance in a consumer card. The interface module is used for receiving a payment request and sending the payment request to the processing module. The processing module is also used for determining the transaction feasibility according to the current transaction amount, the intraday cumulative amount and the transaction quota values. The intelligent card can guarantee that the loss is controlled within an acceptable range under a condition that the intelligent card is quickly swiped or unauthorizedly swiped when the intelligent card of a user is lost or stolen. Furthermore, when the intelligent card makes a transaction, the identity is required to be verified, so that the security of the large-amount transaction for the user can be further guaranteed.
Description
Technical field
The present invention relates to financial transaction field, particularly relate to a kind of smart card and amount control system thereof and method.
Background technology
The trading limit of financial IC card is set, the non-safety connecing sudden strain of a muscle pair block trade can be ensured.Traditional financial IC card transaction limit is at point of sale information control system (Point Of Sales, be called for short POS, namely common POS) or ATM (automatic teller machine) (Automatic Teller Machine, be called for short ATM) and so on card fetch equipment on arrange, such card fetch equipment is expensive, not to domestic consumer's distribution, make card holder trading limit cannot be set whenever and wherever possible, lack dirigibility.
And, user is in the process of transaction, because the amount of money of transaction is not to arrange transaction limit through user oneself, indivedual illegal trade company will increase the number of times of swiping the card in the unwitting situation of user, occur that transaction repeats the situation of withholing, thus make user lose Igor Kanygin volume in unwitting situation.
In utility model " a kind of device that bank card payment is set " (application number: CN201120565501), describe a kind of method avoiding above-mentioned defect, when using bank card to pay, trade company is supplied to the main amount of money arranging limiting bank card and pay of card, before main each its bank card of use of card, will by pre-paid limit write bank card, then this bank card is used once to swipe the card payment operation, swiping the card in payment operation process, when payment is consistent with payment limit, complete payment.Avoid occurring that transaction repeats the situation of withholing, ensure that transaction security.But the trading limit that this electronic equipment must use special card fetch equipment to arrange, instead of directly operate in card, lack dirigibility, and then add the time of transaction.
In addition, when the amount of money using IC fiscard to carry out concluding the business is excessive, illegal person also likely all transfers disposable for funds all in the card of card holder, causes the massive losses of card holder.
Disclose in patent " contactless payment method and system, mobile terminal (application number: CN201010534863) based on stored value card " and utilize POS terminal to read the single Spending Limit information stored in mobile terminal, receive the request of payment.When spending amount is not more than single Spending Limit, carry out consumption process.And when spending amount is greater than Spending Limit, then need by after password authentification, and mutual with POS terminal, complete transaction processing.Although the method can improve the payment safety of block trade by protection payment cipher; avoid when block trade; the Igor Kanygin volume of card holder is by the disposable possibility transferred of lawless person; but in the program be only the amount limiting single limit; when user card lose or stolen time; illegal person still can repeatedly swipe the card operation, until all funds in card illegally transferred, card holder can be caused equally to lose the risk of Igor Kanygin volume.Meanwhile, user can not arrange payment amount voluntarily, but is arranged by the external unit such as POS or ATM, lacks dirigibility.
Summary of the invention
The present invention proposes a kind of smart card and amount control system thereof and method, user can arrange turnover angle value flexibly on smart cards, and remaining sum is kept in the memory module in card in added up on turnover angle value, the same day amount of money and smart card, when concluding the business at every turn, the first turnover angle value in turnover angle value and this dealing money is all needed to compare, the amount of money and the second turnover angle value of adding up the same day compares, and just allows transaction when meeting certain condition.Thus ensure that when user smart card lose or stolen, occur dodge pay steal brush situation time, can by the damage control within the acceptable range.Further, when concluding the business, need identity verification, thus further ensure the safety of user's block trade.
First aspect, the invention provides a kind of smart card, and this smart card comprises: load module, processing module, memory module and interface module;
Load module, for inputting turnover angle value;
Processing module, for writing memory module by turnover angle value;
Memory module, for store transaction amount value;
Interface module, pay request for receiving one, and this payment request is sent to processing module, wherein, payment request comprises this dealing money;
Processing module also for according to this dealing money and turnover angle value, judges the feasibility of transaction.
Preferably, processing module also for, checking card holder identity legitimacy.
Preferably, smart card also comprises display module, and for display reminding information, information comprises turnover angle value.
Preferred further, processing module adopts the identity legitimacy of individual recognition code to card holder to verify; Or adopt the identity legitimacy of finger print information to card holder to verify.
Preferred further, when processing module adopts the identity legitimacy of finger print information to card holder to verify, smart card also comprises finger print acquisition module, and finger print acquisition module for gathering finger print information, and is sent to processing module.
Preferably, memory module is also for storing remaining sum in added up the same day amount of money and card, and wherein, the amount of money that added up the same day comprises this dealing money.
Preferred further, processing module also for according to the amount of money and the turnover angle value of adding up the same day, judges the feasibility of transaction.
Preferred further, turnover angle value comprises the first turnover angle value and the second turnover angle value;
First turnover angle value is used for comparing with this dealing money, judges the feasibility of transaction;
Second turnover angle value is used for comparing with the amount of money that added up the same day, judges the feasibility of transaction.
Second aspect, the invention provides a kind of amount control system of smart card, described system comprises: as above give an account of the smart card and fetch equipment that continue;
Fetch equipment is used for sending to smart card the request of payment, and the request that wherein pays comprises this dealing money;
Interface module in smart card sends to processing module after receiving the request of payment, and this dealing money and the first turnover angle value compare by processing module;
When this dealing money is less than the first turnover angle value, Transaction Success.
Preferably, processing module judges that this dealing money also comprises after being less than the first turnover angle value: will add up the same day amount of money and the second turnover angle value of processing module compares; When the same day add up the amount of money be less than the second turnover angle value time, Transaction Success, wherein, the amount of money that added up the same day comprises this dealing money.
Preferred further, when Transaction Success, processing module will deduct this dealing money from remaining sum in card, and be written in memory module by the remaining sum after this dealing money of deduction;
Memory module preserves the remaining sum after this dealing money of deduction.
Preferred further, when this dealing money is greater than the first turnover angle value and/or the amount of money that added up the same day is greater than the second turnover angle value, Fail Transaction.
Preferred further, when Fail Transaction, processing module verifies the identity legitimacy of card holder again;
When the authentication succeeds, after load module resets the first turnover angle value and/or the second turnover angle value, proceed transaction.
Preferred further, when failing the authentication, stop transaction.
The third aspect, the invention provides a kind of amount control method of smart card, described method comprises:
Obtain the turnover angle value of card holder's input, and turnover angle value to be written in memory module and to preserve; Receive one and pay request, payment request comprises this dealing money; And according to this dealing money and turnover angle value, judge the feasibility of transaction.
Preferably, the method also comprises: the identity legitimacy of checking card holder.
Preferably, the method also comprises: display reminding information, and information comprises turnover angle value.
Preferred further, the identity legitimacy of checking card holder specifically comprises:
The identity legitimacy of individual recognition code to card holder is adopted to verify; Or adopt the identity legitimacy of finger print information to card holder to verify.
Preferred further, the method also comprises collection finger print information, so that adopt the identity legitimacy of finger print information to card holder to verify.
Preferably, the method also comprises: store remaining sum in added up the same day amount of money and card, wherein, the amount of money that added up the same day comprises this dealing money.
Preferred further, the method also comprises: according to the amount of money and the turnover angle value of adding up the same day, judges the feasibility of transaction.
Preferred further, turnover angle value comprises the first turnover angle value and the second turnover angle value;
First turnover angle value is used for comparing with this dealing money, judges the feasibility of transaction;
Second turnover angle value is used for comparing with the amount of money that added up the same day, judges the feasibility of transaction.
Preferred further, the first turnover angle value is used for comparing with this dealing money, judges that the feasibility of transaction specifically comprises:
This dealing money and the first turnover angle value are compared;
When this dealing money is less than the first turnover angle value, Transaction Success.
Further preferred, when judging also to comprise after this dealing money is less than the first turnover angle value: will add up the same day amount of money and the second turnover angle value compare; When the same day add up the amount of money be less than the second turnover angle value time, Transaction Success, wherein, the amount of money that added up the same day comprises this dealing money.
Preferred further, when Transaction Success, in card, deduct this dealing money remaining sum, and preserve the remaining sum after this dealing money of deduction.
Preferred further, when this dealing money is greater than the first turnover angle value and/or the amount of money that added up the same day is greater than the second turnover angle value, Fail Transaction.
Preferred further, when Fail Transaction, again verify the identity legitimacy of card holder;
When the authentication succeeds, after resetting the first turnover angle value and/or the second turnover angle value, proceed transaction.
Preferred further, when failing the authentication, stop transaction.
The present invention proposes a kind of smart card and amount control system thereof and method, user can arrange turnover angle value flexibly on smart cards, and remaining sum is kept in the memory module in card in added up on turnover angle value, the same day amount of money and smart card, when concluding the business at every turn, all needing the first turnover angle value in turnover angle value and this dealing money to compare, just allowing transaction when meeting certain condition; In addition, to be added up the same day amount of money and the second turnover angle value can also be comprised and compare, when the two satisfies condition simultaneously, conclude the business.Thus ensure that when user smart card lose or stolen, occur dodge pay steal brush situation time, can by the damage control within the acceptable range.Further, when concluding the business, need identity verification, thus further ensure the safety of user's block trade.
Accompanying drawing explanation
Fig. 1 is the structural representation of a kind of smart card provided by the invention;
Fig. 2 is the amount Control system architecture schematic diagram of a kind of smart card provided by the invention;
Fig. 3 is the amount control method process flow diagram of a kind of smart card provided by the invention.
Embodiment
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
The structural representation of a kind of smart card that Fig. 1 provides for the embodiment of the present invention.As shown in Figure 1, this smart card comprises: load module 101, processing module 102, memory module 103 and interface module 104.
This turnover angle value for inputting turnover angle value, and is written in memory module 103 by processing module 102 by load module 101.Memory module 103 is for store transaction amount value.Interface module 104 receives one and pays request, wherein pays the dealing money that request includes this.Processing module 103 also for according to this dealing money and turnover angle value, judges the feasibility of transaction.Optionally, also comprise display module 105 in smart card, for display reminding information, wherein information comprises turnover angle value.When card holder inputs turnover angle value, display module 105 will show the turnover angle value of card holder's input.
Optionally, memory module 103 is also for storing remaining sum in added up the same day amount of money and card, and the amount of money that wherein added up the same day comprises this dealing money.Processing module 102 can also judge according to the amount of money and the turnover angle value feasibility to transaction that added up the same day.Wherein, turnover angle value comprises the first turnover angle value and the second turnover angle value.First turnover angle value is used for comparing with this dealing money, judges the feasibility of transaction; Second turnover angle value is used for comparing with the amount of money that added up the same day, judges the feasibility of transaction.
Further alternative, the processing module 102 in this smart card, also for verifying the identity of card holder.
Preferably, when card holder uses this smart card first, or card holder is at every turn before input turnover angle value, can also be verified by the identity legitimacy of processing module 102 couples of card holders.Processing module 102 can adopt individual recognition code (Personal Identification Number, be called for short PIN) identity of card holder is verified, specifically comprise: when card holder uses this smart card first, processing module 102 points out card holder to arrange PIN code by display module 105, arrange successfully, PIN code is written in the middle of memory module 103 by processing module 102, and memory module 103 stores PIN code.When user needs input turnover angle value, display module 105 points out card holder to input the initial PIN code arranged.Processing module 102 is by verifying the PIN code of this input of card holder, and when the authentication succeeds, then turnover angle value is written in memory module 103 by processing module 102; If within a certain period of time, the PIN code authentication failed of processing module 102 pairs of card holder's inputs, and when the number of times of authentication failed exceedes the number of times of regulation, this smart card will be locked, and in a period of time, card holder cannot carry out any operation to this smart card.
In addition, in smart card, also comprising finger print acquisition module 106, for gathering finger print information, and this finger print information being sent to processing module.Processing module 102 can also be verified according to the identity legitimacy of finger print information to card holder received.Specifically comprise: when using this smart card first, processing module points out card holder to input finger print information by display module 105, and is gathered by finger print acquisition module 106; Gather successfully, finger print information is saved in memory module 103.When user needs input turnover angle value, display module 105 points out card holder to input finger print information.Finger print acquisition module 106 on smart card will gather the fingerprint of card holder, and finger print information is sent to processing module 102.After processing module 102 receives finger print information, verify the identity of card holder, when the authentication succeeds, then turnover angle value is written in memory module 103 by processing module 102; If within a certain period of time, the finger print information authentication failed of processing module 102 pairs of card holder's inputs, and when the number of times of authentication failed exceedes the number of times of regulation, this smart card will be locked, and in a period of time, card holder cannot carry out any operation to this smart card.
It should be noted that, the authentication for card holder is not limited to adopt the means such as PIN code or fingerprint, and other checking means are equally applicable to the solution of the present invention, and citing repeats no longer one by one here.Simultaneously, authentication for card holder does not limit equally with when card holder uses this card first or when inputting turnover angle value, can also be defined as when card holder is when carrying out penny ante, without the need to adopting authentication, only have when carrying out block trade, use certificate.Thus ensure that the loss of user is reduced within acceptable scope.
A kind of smart card provided by the invention, user can arrange turnover angle value flexibly on smart cards, and remaining sum is kept in the memory module in card in added up on turnover angle value, the same day amount of money and smart card, when concluding the business at every turn, all needing the first turnover angle value in turnover angle value and this dealing money to compare, just allowing transaction when meeting certain condition; In addition, to be added up the same day amount of money and the second turnover angle value can also be comprised and compare, conclude the business when the two satisfies condition simultaneously.Thus ensure that when user smart card lose or stolen, occur dodge pay steal brush situation time, can by the damage control within the acceptable range.Further, when concluding the business, need identity verification, thus further ensure the safety of user's block trade.
The amount Control system architecture schematic diagram of a kind of smart card that Fig. 2 provides for the embodiment of the present invention.As shown in Figure 2, the amount control system of this smart card, includes as above-mentioned said smart card 201 and fetch equipment 202.Wherein, fetch equipment can comprise the equipment that POS or other machine for punching the card etc. can read smart card.
Fetch equipment 202, for sending to this smart card the request of payment, wherein pays in request and includes this dealing money.After interface module receives this payment request in smart card 201, this payment request is sent to processing module, this dealing money and the first turnover angle value compare by processing module, when this dealing money is less than the first turnover angle value, and Transaction Success.Optionally, when processing module judges also to comprise after this dealing money is less than the first turnover angle value: the processing module amount of money that will add up the same day compares with second time turnover angle value, when if the same day adds up, the amount of money is less than the second turnover angle value, Transaction Success.
After Transaction Success, processing module will deduct this dealing money from remaining sum in card, and be written in memory module by the remaining sum after this dealing money of deduction, and memory module preserves the remaining sum after this dealing money of deduction.And, this transaction record and the remaining sum after deducting this dealing money also can upload in background server in real time, after card is lost, user can also make up smart card according to the transaction record retained in background server and balance amount information, give the remaining sum (making up smart card etc. is prior art, repeats no more) in original card for change simultaneously.If this dealing money is greater than the first turnover angle value and/or the amount of money that added up the same day when being greater than the second turnover angle value, Fail Transaction.If Fail Transaction, card holder can also verify the identity legitimacy of card holder by above-mentioned introduced authentication mode.When the processing module checking card holder in smart card is legal holden, display module will point out card holder to reset the first turnover angle value and the/the second turnover angle value by load module.Arrange successfully, card holder can proceed transaction.If processing module is authentication failed within the regular hour, and the number of times of failure exceedes the number of times of regulation, then stop transaction.Smart card will be locked, and in a period of time, card holder cannot perform any operation to this smart card.
A kind of smart card amount control system that the embodiment of the present invention provides, user can arrange turnover angle value flexibly on smart cards, and remaining sum is kept in the memory module in card in added up on turnover angle value, the same day amount of money and smart card, when concluding the business at every turn, all needing the first turnover angle value in turnover angle value and this dealing money to compare, just allowing transaction when meeting certain condition.In addition, to be added up the same day amount of money and the second turnover angle value can also be comprised and compare, when the two satisfies condition simultaneously, conclude the business.Thus ensure that when user smart card lose or stolen, occur dodge pay steal brush situation time, can by the damage control within the acceptable range.Further, when concluding the business, need identity verification, thus further ensure the safety of user's block trade.
The amount control method process flow diagram of a kind of smart card that Fig. 3 provides for the embodiment of the present invention, as shown in Figure 3, the embodiment of the present invention specifically comprises the following steps:
Step 301, obtains the turnover angle value of card holder's input, and turnover angle value to be written in memory module and to preserve.
Concrete, first smart card obtains the turnover angle value of card holder's input.Turnover angle value is saved in the middle of memory module, and the form of turnover angle value by information is shown.Optionally, in the same day can also the be added up amount of money and card, remaining sum is preserved in a storage module, and the amount of money that added up the same day comprises this dealing money.
Optionally, holder is when using this smart card first, or card holder is at every turn before input turnover angle value, can also first verify the identity legitimacy of holder.Further alternative, the mode of checking can comprise employing PIN code and carry out verifying or adopt finger print information to verify.Adopt PIN code to carry out verifying and specifically comprise: when card holder uses this smart card first, obtain the PIN code that card holder is arranged, and preserve.When user needs input turnover angle value, obtain the PIN code of card holder's this time input, verify the PIN code of this input of card holder, when the authentication succeeds, turnover angle value will be saved in the middle of memory module; Meanwhile, turnover angle value also can be shown by information form.If within a certain period of time, to the PIN code authentication failed of card holder's input, and when the number of times of authentication failed exceedes the number of times of regulation, this smart card will be locked, and in a period of time, card holder cannot carry out any operation to this smart card.
Verify according to the identity legitimacy of finger print information to card holder.Specifically comprise: when using this smart card first, smart card will point out user to input finger print information, and utilize the finger print information of finger print acquisition module to card holder in card gather and preserve.When user needs input turnover angle value, compare with the finger print information inputted at first to the finger print information of this input of user, when the authentication succeeds, turnover angle value will be saved in a storage module; Meanwhile, turnover angle value also can be shown by information form.If within a certain period of time, to the finger print information authentication failed of card holder's input, and when the number of times of authentication failed exceedes the number of times of regulation, this smart card will be locked, and in a period of time, card holder cannot carry out any operation to this smart card.
Step 302, receives one and pays request.
Concrete, receive the payment request in a fetch equipment, include this dealing money in this payment request, wherein, fetch equipment can comprise as POS or other machine for punching the card etc. can read the equipment of smart card.
Step 303, according to this dealing money and turnover angle value, judges the feasibility of transaction.
Wherein, turnover angle value includes the first turnover angle value and the second turnover angle value.First turnover angle value is used for comparing with this dealing money, judges the feasibility of transaction.Concrete, this dealing money and the first turnover angle value are compared, when this dealing money is less than the first turnover angle value, Transaction Success.
Optionally, according to the amount of money and the turnover angle value of adding up the same day, the feasibility of transaction can also be judged.Concrete, when judging also to comprise after this dealing money is less than the first turnover angle value: the amount of money that will add up the same day compares with second time turnover angle value, when if the same day adds up, the amount of money is less than the second turnover angle value, Transaction Success.
After Transaction Success, in card, deduct this dealing money remaining sum, and the remaining sum after this dealing money of deduction is saved in memory module.And, this transaction record and the remaining sum after deducting this dealing money also can upload in background server in real time, after card is lost, user can also make up smart card according to the transaction record retained in background server and balance amount information, give the remaining sum (making up smart card etc. is prior art, repeats no more) in original card for change simultaneously.
If this dealing money is greater than the first turnover angle value and/or the amount of money that added up the same day when being greater than the second turnover angle value, Fail Transaction.If Fail Transaction, card holder can also by the legitimacy of above-mentioned introduced authentication mode identity verification.When verifying that card holder is legal holden, card holder can reset the first turnover angle value and the/the second turnover angle value.Arrange successfully, proceed transaction.If authentication failed within the regular hour, and the number of times of failure exceedes the number of times of regulation, then stop transaction.Smart card will be locked, and in a period of time, card holder cannot perform any operation to this smart card.
It should be noted that, the authentication for card holder is not limited to adopt the means such as PIN code or fingerprint, and other checking means are equally applicable to the solution of the present invention, and citing repeats no longer one by one here.Simultaneously, authentication for card holder does not limit equally with when card holder uses this card first or when inputting turnover angle value, can also be defined as when card holder is when carrying out penny ante, without the need to adopting authentication, only have when carrying out block trade, use certificate.Thus ensure that the loss of user is reduced within acceptable scope.
The invention provides its amount control method of a kind of smart card of embodiment, user can arrange turnover angle value flexibly on smart cards, and remaining sum is kept in the memory module in card in added up on turnover angle value, the same day amount of money and smart card, when concluding the business at every turn, all needing the first turnover angle value in turnover angle value and this dealing money to compare, just allowing transaction when meeting certain condition.In addition, to be added up the same day amount of money and the second turnover angle value can also be comprised and compare, when the two satisfies condition simultaneously, conclude the business.Thus ensure that when user smart card lose or stolen, occur dodge pay steal brush situation time, can by the damage control within the acceptable range.Further, when concluding the business, need identity verification, thus further ensure the safety of user's block trade.
Professional should recognize further, in conjunction with unit and the method step of each example of embodiment disclosed herein description, can realize with electronic hardware, generally describe composition and the step of each example in the above description according to function.Use distinct methods to realize described function to each specifically should being used for, but this realization should not think the scope exceeding the embodiment of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
Above-described embodiment; the object of the embodiment of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only the embodiment of the embodiment of the present invention; be not intended to limit the present invention the protection domain of embodiment; within all spirit in the embodiment of the present invention and principle, any amendment made, equivalent replacement, improvement etc., within the protection domain that all should be included in the embodiment of the present invention.
Claims (28)
1. a smart card, described smart card comprises: load module, processing module, memory module and interface module;
Described load module, for inputting turnover angle value;
Described processing module, for writing described memory module by described turnover angle value;
Described memory module, for storing described turnover angle value;
Described interface module, pay request for receiving one, and this payment request is sent to described processing module, described payment request comprises this dealing money;
Described processing module also for according to this dealing money described and described turnover angle value, judges the feasibility of transaction.
2. smart card according to claim 1, is characterized in that, described processing module also for, checking card holder identity legitimacy.
3. smart card according to claim 1, is characterized in that, described smart card also comprises display module, and for display reminding information, described information comprises described turnover angle value.
4. smart card according to claim 2, is characterized in that, described processing module adopts the identity legitimacy of individual recognition code to described card holder to verify; Or adopt the identity legitimacy of finger print information to described card holder to verify.
5. smart card according to claim 4, it is characterized in that, when processing module adopts the identity legitimacy of finger print information to described card holder to verify, described smart card also comprises finger print acquisition module, described finger print acquisition module for gathering finger print information, and is sent to described processing module.
6. smart card according to claim 1, is characterized in that, described memory module is also for storing remaining sum in added up the same day amount of money and card, and wherein, the amount of money that added up the same day comprises this dealing money.
7. smart card according to claim 6, is characterized in that, described processing module also for according to the amount of money and the described turnover angle value of adding up the described same day, judges the feasibility of transaction.
8. smart card according to claim 6, is characterized in that, described turnover angle value comprises the first turnover angle value and the second turnover angle value;
Described first turnover angle value is used for comparing with this dealing money described, judges the feasibility of transaction;
Described second turnover angle value is used for comparing with the amount of money that added up the described same day, judges the feasibility of transaction.
9. an amount control system for smart card, is characterized in that, described system comprises: smart card as claimed in claim 1 and fetch equipment;
Described fetch equipment is used for sending to described smart card the request of payment, and wherein said payment request comprises this dealing money;
Interface module in described smart card sends to described processing module after receiving described payment request, and this dealing money described and described first turnover angle value compare by described processing module;
When this dealing money described is less than the first turnover angle value, Transaction Success.
10. system according to claim 9, is characterized in that, described processing module judges that this dealing money described also comprises after being less than the first turnover angle value: added up the described same day amount of money and described second turnover angle value of described processing module compares; When the described same day add up the amount of money be less than described second turnover angle value time, Transaction Success, wherein, the amount of money that added up the described same day comprises this dealing money.
11. systems according to claim 9 or 10, it is characterized in that, when Transaction Success, described processing module will deduct this dealing money from remaining sum in described card, and be written in memory module by the remaining sum after this dealing money of deduction;
Described memory module preserves the remaining sum after this dealing money of deduction.
12. systems according to claim 9 or 10, is characterized in that, when this dealing money described is greater than the first turnover angle value and/or the amount of money that added up the described same day is greater than described second turnover angle value, and Fail Transaction.
13. systems according to claim 12, is characterized in that, when Fail Transaction, described processing module verifies the identity legitimacy of card holder again;
When the authentication succeeds, after described load module resets the first turnover angle value and/or the second turnover angle value, proceed transaction.
14. systems according to claim 13, is characterized in that, when failing the authentication, stop transaction.
The amount control method of 15. 1 kinds of smart cards, is characterized in that, described method comprises:
Obtain the turnover angle value of card holder's input, and described turnover angle value to be written in memory module and to preserve; Receive one and pay request, described payment request comprises this dealing money; And according to this dealing money described and described turnover angle value, judge the feasibility of transaction.
16. methods according to claim 15, is characterized in that, described method also comprises: the identity legitimacy of checking card holder.
17. methods according to claim 15, is characterized in that, described method also comprises: display reminding information, and described information comprises turnover angle value.
18. methods according to claim 16, is characterized in that, the identity legitimacy of described checking card holder specifically comprises:
The identity legitimacy of individual recognition code to described card holder is adopted to verify; Or adopt the identity legitimacy of finger print information to described card holder to verify.
19. methods according to claim 18, is characterized in that, described method also comprises collection finger print information, so that adopt the identity legitimacy of finger print information to described card holder to verify.
20. methods according to claim 15, is characterized in that, described method also comprises: store remaining sum in added up the same day amount of money and card, wherein, the amount of money that added up the same day comprises this dealing money.
21. methods according to claim 20, is characterized in that, described method also comprises: according to the amount of money and the described turnover angle value of adding up the described same day, judge the feasibility of transaction.
22. methods according to claim 20, is characterized in that, described turnover angle value comprises the first turnover angle value and the second turnover angle value;
Described first turnover angle value is used for comparing with this dealing money described, judges the feasibility of transaction;
Described second turnover angle value is used for comparing with the amount of money that added up the described same day, judges the feasibility of transaction.
23. methods according to claim 22, is characterized in that, described first turnover angle value is used for comparing with this dealing money described, judge that the feasibility of transaction specifically comprises:
This dealing money and described first turnover angle value are compared;
When this dealing money is less than described first turnover angle value, Transaction Success.
24. methods according to claim 23, is characterized in that, when judging also to comprise after this dealing money is less than described first turnover angle value: added up the described same day amount of money and described second turnover angle value compare; When the described same day add up the amount of money be less than described second turnover angle value time, Transaction Success, wherein, the amount of money that added up the same day comprises this dealing money.
25. methods according to claim 23 or 24, is characterized in that, when Transaction Success, in described card, deduct this dealing money remaining sum, and preserve the remaining sum after this dealing money of deduction.
26. methods according to claim 23 or 24, is characterized in that, when this dealing money described is greater than the first turnover angle value and/or the amount of money that added up the described same day is greater than described second turnover angle value, and Fail Transaction.
27. methods according to claim 26, is characterized in that, when Fail Transaction, again verify the identity legitimacy of card holder;
When the authentication succeeds, after resetting the first turnover angle value and/or the second turnover angle value, proceed transaction.
28. methods according to claim 27, is characterized in that, when failing the authentication, stop transaction.
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| CN201510254001.3A CN104867009A (en) | 2015-05-18 | 2015-05-18 | Intelligent card, quota control system thereof, and quota control method thereof |
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