CN105741104A - Offline transaction apparatus and method based on offline transaction apparatus - Google Patents

Offline transaction apparatus and method based on offline transaction apparatus Download PDF

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Publication number
CN105741104A
CN105741104A CN201610049901.9A CN201610049901A CN105741104A CN 105741104 A CN105741104 A CN 105741104A CN 201610049901 A CN201610049901 A CN 201610049901A CN 105741104 A CN105741104 A CN 105741104A
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China
Prior art keywords
card
transaction device
offline transaction
response message
card type
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Granted
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CN201610049901.9A
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Chinese (zh)
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CN105741104B (en
Inventor
高岚
陆道如
叶文莉
郑涛
胡升跃
辛乃军
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Hengbao Co Ltd
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Hengbao Co Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3227Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

Abstract

The present application provides an offline transaction apparatus and a method based the offline transaction apparatus. The method comprises the following steps: step S1, An offline transaction apparatus receives transaction response information; and step S2, the offline transaction apparatus determines a card type according to the transaction response information. By the method, the service type of the offline transaction apparatus can be extended, and various card types and card media can be distinguished, so as to provide possibility for extension of mobile services, and the card types and card media are distinguished using special fields, and the existing fields are further utilized when the special fields cannot meet the requirements, so as to meet the requirements of rapid extension of the mobile services.

Description

A kind of offline transaction device and the method based on this offline transaction device
Technical field
The application relates to mobile payment field, in particular to a kind of offline transaction device and the method based on this offline transaction device.
Background technology
Along with the fast development of mobile technology, increasing function will be integrated into mobile terminal, and following development trend is that the non-function connecing CPU wallet card is by by the APP software replacement of a mobile terminal.This mobile terminal only need to meet certain hardware and software requirement, for instance installs Android4.4.2 system above, supports NFC function etc., can realize using the non-function connecing CPU card of APP software replacement of mobile terminal.
At present, the mass transit card of various places, all-purpose card, wing machine lead to structure chart when implementing consumer sale as it is shown in figure 1, wherein, including the POS 101, are built in the PSAM card 103 of the POS and non-connect CPU card 102.Consumption is off-line consumption.Off-line consumption refers to and is not connected to the Internet when the POS is consumed, and during consumption, the real effectiveness of card is verified the POS 101 and what PSAM card 103 completed.Its workflow is: user by a contactless CPU wallet function card 102 near the POS 101;Card 102 and the POS 101 interact, it is achieved off-line consumption.
The mobile terminal with the non-CPU of connecing wallet card function can realize the quick distribution of card, if but to realize connecing, with non-, the POS off-line consumption that CPU card is the same, need the safety consuming key ensureing to preserve in mobile terminal, this just requires that offline transaction device such as POS is to using the consumption of the non-CPU of connecing wallet card and using the consumption that the APP software of mobile terminal carries out to be distinguish between, to ensure to use mobile terminal APP software to carry out the software and hardware structure changing existing offline transaction device that the security classification that consumes is higher and the least possible.
Summary of the invention
In view of this, the application provides a kind of offline transaction device, this offline transaction device can effectively distinguish Card Type and card media, namely differentiation is the Cartridge of entity card or mobile terminal, do not changing on the basis of workflow of existing offline transaction device, it is only necessary to do only small data transformation and just can realize introducing the function of new medium.
The application provides a kind of method based on offline transaction device, comprises the steps: that step S1, offline transaction device receive transaction response message;Step S2, offline transaction device judge Card Type according to transaction response message;Step S3, offline transaction device take different security strategies according to Card Type.
Wherein according to transaction response message, step S2, offline transaction device judge that Card Type includes: judge Card Type according to subscriber card serial number;Or according to one of key version number or algorithm identification field or both judge Card Type.
Wherein the transaction response message in step S1 includes subscriber card serial number;Wherein according to transaction response message, step S2, offline transaction device judge that Card Type includes:
Offline transaction device judges Card Type according to business processing logic according to subscriber card serial number;
Wherein above-mentioned business processing logic generates according to following steps:
Step P1, card issuer previously generate subscriber card serial number according to certain rule;
The subscriber card serial number wherein generated can use reserved word segment identification Card Type;
When step P2, card issuer are by this subscriber card serial number hair fastener in write card;
Step P3, the rule of subscriber card serial number is write offline transaction device.
Further, wherein the transaction response message in step S1 includes key version number and algorithm identification field;Wherein step S2, offline transaction device according to business processing logic according to transaction response message judge that Card Type includes: use one of key version number or algorithm identification field or both judge Card Type.Wherein above-mentioned business processing logic generates according to following steps:
One of step T1, expanded keys version number or algorithm identification field or both implications;
Key version number and algorithm identification field, when hair fastener, are write in card by step T2, card issuer;
Step T3, by step T1 regulation one of key version number or algorithm identification field or both implication rules write offline transaction device.
Present invention also provides a kind of offline transaction device, including: receive unit, receive transaction response message;Processing unit, judges Card Type according to transaction response message.
Processing unit judges Card Type according to subscriber card serial number, or according to one of key version number or algorithm identification field or both judge Card Type.
Further, processing unit receives the rule of the subscriber card serial number that card issuer sends in advance, and it is written into the business processing logic of offline transaction device, thus after receiving transaction response message, parse subscriber card sequence number information therein, according to its business processing logic, it is judged that Card Type
Further, processing unit receives one of key version number or algorithm identification field or both implications rule that card issuer sends in advance, and it is written into the business processing logic of offline transaction device, thus after receiving transaction response message, parse key version number therein and algorithm identification field, according to its business processing logic, it is judged that Card Type.
From above technical scheme, the application can reach techniques below effect:
1, do not change existing transaction flow and guarantee transaction security premise under, utilize cell phone software to realize offline transaction.
2, extending the COS of offline transaction device, multi-card type and card media are made a distinction, the extension for mobile service provides probability;
3, use special field to distinguish Card Type and card media, and consider when special field cannot meet demand further, existing field is carried out further with, meet mobile service and extend rapid demand.
Accompanying drawing explanation
In order to be illustrated more clearly that the embodiment of the present application or technical scheme of the prior art, the accompanying drawing used required in embodiment or description of the prior art will be briefly described below, apparently, the accompanying drawing that the following describes is only some embodiments recorded in the application, for those of ordinary skill in the art, it is also possible to obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structure chart of existing off-line system;
Fig. 2 is the system construction drawing of the application offline transaction device place system;
Fig. 3 is the present processes flow chart;
Fig. 4 is the structure chart of the application offline transaction device.
Detailed description of the invention
In order to make those skilled in the art be more fully understood that the technical scheme in the application, below in conjunction with the accompanying drawing in the embodiment of the present application, technical scheme in the embodiment of the present application is clearly and completely described, obviously, described embodiment is only some embodiments of the present application, rather than whole embodiments.Based on the embodiment in the application, the every other embodiment that those of ordinary skill in the art obtain, all should belong to the scope of the application protection.
Further illustrate the application below in conjunction with illustrations to implement.
The application provides a kind of offline transaction device 201, and this offline transaction device 201 is applied in off line certification, and its system applied, as in figure 2 it is shown, include offline transaction device 201, moves equipment 202 and entity card 203.Offline transaction device can be such as the device that POS etc. realizes following function, and mobile equipment can be the various equipment that can realize radio communication such as mobile phone, and entity card can be the entity cards such as mass transit card, all-purpose card, wing machine be logical.
A kind of method based on offline transaction device 201 is introduced below in conjunction with Fig. 3:
Step S1, offline transaction device receive transaction response message.
When mobile equipment 202 or entity card 203 enter in the reading range of offline transaction device 201, offline transaction device 201 initiates transaction request, mobile equipment 202 or entity card 203 send transaction response message to offline transaction device 201, and transaction response message includes the fields such as transaction sequence number, subscriber card sequence-number field, key version number and algorithm identification field.
Step S2, offline transaction device judge Card Type according to transaction response message.
Card Type is judged according to subscriber card serial number;Or use one of key version number or algorithm identification field or any two to judge Card Type.
Increase along with card quantity, there is the situation that subscriber card serial number all exhausts, at this moment will be unable to distinguish newly-increased medium and kind, cause activating business, therefore, the application is further introduced into key version number and algorithm identification field using as the technological means further discriminating between Card Type.
One, subscriber card serial number is used to judge that Card Type includes:
Offline transaction device judges Card Type according to business processing logic according to subscriber card serial number.
Offline transaction device parses subscriber card sequence number information therein, according to its business processing logic, it is judged that Card Type after receiving transaction response message.
Wherein business processing logic is pre-written at relatively low cost in offline transaction device according to following steps:
Step P1, card issuer previously generate subscriber card serial number according to certain rule;
The subscriber card serial number generated can use reserved word segment identification Card Type, for instance card is divided into entity card and virtual card, uses a certain field of subscriber card serial number, for instance the first byte, identifies different cards type.
When step P2, card issuer are by this subscriber card serial number hair fastener in write card;
Card issuer is when hair fastener, for instance when generating entity card or issuing virtual card by network, by subscriber card serial number write card.
Step P3, the rule of subscriber card serial number is write offline transaction device;
Can will change the software code of rule write offline transaction device when offline transaction device dispatches from the factory and initializes, or connection network will carry out software code upgrading, or carry out off-line software code upgrading by special equipment.
Two, use one of key version number or algorithm identification field or both judge that Card Type includes:
Offline transaction device judges Card Type according to business processing logic.
Offline transaction device parses key version number therein and algorithm identification field, according to its business processing logic, it is judged that Card Type after receiving transaction response message.
Business processing logic therein is previously written in offline transaction device according to following steps:
One of step T1, expanded keys version number or algorithm identification field or both implications;
The 6-8 position of key version number such as can be used to represent Card Type, or the 6-8 position using algorithm mark represents Card Type, whether the 8th bit-identify that can also use key version number extends it uses implication, such as when being 1 for the 8th, represent the corresponding field tag card type of algorithm mark;When key version number the 8th is 0, represent that the corresponding field of algorithm mark is not used in tag card type.
Key version number and algorithm identification field, when hair fastener, are write in card by step T2, card issuer.
Card issuer is when hair fastener, for instance when generating entity card or issuing virtual card by network, key version number and algorithm identification field is write in card.
Step T3, by step T1 regulation one of key version number or algorithm identification field or both implication rules write offline transaction device business processing logic;
Can will change the software code of rule write offline transaction device when offline transaction device dispatches from the factory and initializes, or connection network will carry out software code upgrading, or carry out off-line software code upgrading by special equipment.
Step S3, offline transaction device take different security strategies according to Card Type.
Such as judge it is mobile equipment according to transaction response message, then take the security strategy for mobile equipment, specify security strategy in advance according to the feature of mobile equipment;Or according to transaction response message judges it is entity card, then it is processed by the security strategy according to the entity card pre-established.
Describe the workflow of this offline transaction device above according to Fig. 2-3, below in conjunction with Fig. 4, introduce the cut-away view of this offline transaction device.
This offline transaction device includes:
Receive unit 401: receive transaction response message.
When mobile equipment 202 or entity card 203 are in the reading range entering offline transaction device, the reception unit 401 of offline transaction device initiates transaction request, mobile equipment 202 or entity card 203 send transaction response message to receiving unit 401, and transaction response message includes the fields such as transaction sequence number, subscriber card sequence-number field, key version number and algorithm identification field.
Processing unit 402: judge Card Type according to transaction response message.
Card Type is judged according to subscriber card serial number;Or use one of key version number or algorithm identification field or both judge Card Type.
Increase along with card quantity, there is the situation that subscriber card serial number all exhausts, at this moment will be unable to distinguish newly-increased medium and kind, cause activating business, therefore, the application is further introduced into key version number and algorithm identification field using as the technological means further discriminating between Card Type.
One, processing unit 402 uses subscriber card serial number to judge that Card Type includes:
Processing unit 402 receives the rule of the subscriber card serial number that card issuer sends in advance, and be written into the business processing logic of offline transaction device, thus after receiving transaction response message, parse subscriber card sequence number information therein, according to its business processing logic, it is judged that Card Type.
Wherein card issuer previously generates subscriber card serial number according to certain rule, the subscriber card serial number generated can use reserved word segment identification Card Type, for instance card is divided into entity card and virtual card, uses a certain field of subscriber card serial number, such as the first byte, identifies different cards type.Card issuer by this subscriber card serial number by card issuer's hair fastener time write card in, card issuer is when hair fastener, for instance generating entity card or when issuing virtual card by network, in the write of subscriber card serial number being blocked.
Wherein the business processing logic that the rule of subscriber card serial number writes offline transaction device is included by processing unit 402:
Two, processing unit 402 use one of key version number or algorithm identification field or both judge that Card Type includes: processing unit 402 receive in advance card issuer send one of key version number or algorithm identification field or both implications rule, and it is written into the business processing logic of offline transaction device, thus after receiving transaction response message, parse key version number therein and algorithm identification field, according to its business processing logic, it is judged that Card Type;And take different security strategies according to Card Type.
Wherein card issuer one of expanded keys version number or algorithm identification field in advance or both implications:
The 6-8 position of key version number such as can be used to represent Card Type, or the 6-8 position using algorithm mark represents Card Type, whether the 8th bit-identify that can also use key version number extends it uses implication, such as when being 1 for the 8th, represent the corresponding field tag card type of algorithm mark;When key version number the 8th is 0, represent that the corresponding field of algorithm mark is not used in tag card type.
Key version number and algorithm identification field, when hair fastener, are write in card by card issuer.
Card issuer is when hair fastener, for instance when generating entity card or issuing virtual card by network, key version number and algorithm identification field is write in card.
Processing unit 402 takes different security strategies according to Card Type further, including:
Such as processing unit 402 judges it is mobile equipment according to transaction response message, then take the security strategy for mobile equipment, specifies security strategy in advance according to the feature of mobile equipment;Or processing unit 402 is according to transaction response message judges it is entity card, then it is processed by the security strategy according to the entity card pre-established.
It will be understood by those skilled in the art that embodiments herein can be provided as method, device (equipment) or computer program.Therefore, the application can adopt the form of complete hardware embodiment, complete software implementation or the embodiment in conjunction with software and hardware aspect.And, the application can adopt the form at one or more upper computer programs implemented of computer-usable storage medium (including but not limited to disk memory, CD-ROM, optical memory etc.) wherein including computer usable program code.
The application describes with reference to flow chart and/or the block diagram according to the method for the embodiment of the present application, device (equipment) and computer program.It should be understood that can by the combination of the flow process in each flow process in computer program instructions flowchart and/or block diagram and/or square frame and flow chart and/or block diagram and/or square frame.These computer program instructions can be provided to produce a machine to the processor of general purpose computer, special-purpose computer, Embedded Processor or other programmable data processing device so that the instruction performed by the processor of computer or other programmable data processing device is produced for realizing the device of function specified in one flow process of flow chart or multiple flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and can guide in the computer-readable memory that computer or other programmable data processing device work in a specific way, the instruction making to be stored in this computer-readable memory produces to include the manufacture of command device, and this command device realizes the function specified in one flow process of flow chart or multiple flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, make on computer or other programmable devices, to perform sequence of operations step to produce computer implemented process, thus the instruction performed on computer or other programmable devices provides for realizing the step of function specified in one flow process of flow chart or multiple flow process and/or one square frame of block diagram or multiple square frame.
Although having been described for the preferred embodiment of the application, but those skilled in the art are once know basic creative concept, then these embodiments can be made other change and amendment.So, claims are intended to be construed to include preferred embodiment and fall into all changes and the amendment of the application scope.Obviously, the application can be carried out various change and modification without deviating from spirit and scope by those skilled in the art.So, if these amendments of the application and modification belong within the scope of the application claim and equivalent technologies thereof, then the application is also intended to comprise these change and modification.

Claims (11)

1. the method based on offline transaction device, it is characterised in that comprise the steps:
Step S1, offline transaction device receive transaction response message;
Step S2, offline transaction device judge Card Type according to transaction response message.
2. the method for offline transaction device as claimed in claim 1, also includes:
Step S3, offline transaction device take different security strategies according to Card Type.
3. the method based on offline transaction device as claimed in claim 1, according to transaction response message, step S2, offline transaction device judge that Card Type includes: judge Card Type according to subscriber card serial number;Or according to one of key version number or algorithm identification field or both judge Card Type.
4. the method based on offline transaction device as claimed in claim 1, wherein the transaction response message in step S1 includes subscriber card serial number;Wherein according to transaction response message, step S2, offline transaction device judge that Card Type includes:
Offline transaction device judges Card Type according to business processing logic according to subscriber card serial number;
Wherein above-mentioned business processing logic generates according to following steps:
Step P1, card issuer previously generate subscriber card serial number according to certain rule;
The subscriber card serial number wherein generated can use reserved word segment identification Card Type;
When step P2, card issuer are by this subscriber card serial number hair fastener in write card;
Step P3, the rule of subscriber card serial number is write offline transaction device.
5. the method based on offline transaction device as claimed in claim 1, wherein the transaction response message in step S1 includes key version number and algorithm identification field;
Wherein step S2, offline transaction device according to business processing logic according to transaction response message judge that Card Type includes: use one of key version number or algorithm identification field or both judge Card Type.
6. the method based on offline transaction device as claimed in claim 5, wherein above-mentioned business processing logic generates according to following steps:
One of step T1, expanded keys version number or algorithm identification field or both implications;
Key version number and algorithm identification field, when hair fastener, are write in card by step T2, card issuer;
Step T3, by step T1 regulation one of key version number or algorithm identification field or both implication rules write offline transaction device.
7. an offline transaction device, it is characterised in that including:
Receive unit, receive transaction response message;
Processing unit, judges Card Type according to transaction response message.
8. offline transaction device as claimed in claim 7, wherein processing unit judges Card Type according to subscriber card serial number.
9. offline transaction device as claimed in claim 7, wherein processing unit according to one of key version number or algorithm identification field or both judge Card Type.
10. offline transaction device as claimed in claim 8, wherein processing unit receives the rule of the subscriber card serial number that card issuer sends in advance, and it is written into the business processing logic of offline transaction device, thus after receiving transaction response message, parse subscriber card sequence number information therein, according to its business processing logic, it is judged that Card Type.
11. offline transaction device as claimed in claim 9, wherein processing unit receives one of key version number or algorithm identification field or both implications rule that card issuer sends in advance, and it is written into the business processing logic of offline transaction device, thus after receiving transaction response message, parse key version number therein and algorithm identification field, according to its business processing logic, it is judged that Card Type.
CN201610049901.9A 2016-01-25 2016-01-25 Off-line transaction device and method based on same Active CN105741104B (en)

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