CN106096954A - Non-networked data processing equipment, non-networked data interaction system and method - Google Patents
Non-networked data processing equipment, non-networked data interaction system and method Download PDFInfo
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- CN106096954A CN106096954A CN201610686647.3A CN201610686647A CN106096954A CN 106096954 A CN106096954 A CN 106096954A CN 201610686647 A CN201610686647 A CN 201610686647A CN 106096954 A CN106096954 A CN 106096954A
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- Prior art keywords
- money
- amount
- consumption
- networked data
- data processing
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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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
Abstract
The present invention provides a kind of non-networked data processing equipment, non-networked data interaction system and method.Non-networked data processing equipment includes: interactive interface, for realizing the data interaction with external read device in the way of contactless；Stored value card, the consumption order sent based on described external read device, carry out E-Payment process by described interactive interface；From supplementing module with money, according to default condition, in the range of paid in advance the amount in being pre-set in this non-networked data processing equipment, described stored value card is supplemented with money；And detail record module, for record described stored value card pay by mails resume detailed, described from supplement with money module to supplement resume with money detailed.
Description
Technical field
The present invention relates to technical field of data processing, particularly relate to a kind of can realization at the non-networked data that non-networked pays
Reason device, non-networked data interaction system and method.
Background technology
At present, the electric bank-note card as data processing equipment of non-networked operation, such as small amount consumption are supported on the market
Smart card be almost based on People's Bank of China's financial IC card specification (industry standard " and China's finance integrated circuit (IC) block
Specification ", in the industry be called for short PBOC specification) stored value card or electronic cash card.Its structure is such as shown in Fig. 4, including stored value card,
Supplement consumer sale detail record module and relevant interface with money.They broadly fall into prepaid card, i.e. user must first be in service
Increase in card by the way of recharging by cash or background account circle are deposited on site or designated terminal and could use after remaining sum.This
Application model also exists following deficiency: prepaid card load or circle are deposited and generally required holder and go to service network, arrange for a long time
Team waits, time-consuming and trouble；Financing deposition on prepaid card is in card issuer's bank account, and user cannot enjoy its receipts brought
Benefit；Card issuer needs to put into a large amount of manpower, material resources and financial resources construction and supplements site with money, buys and supplement facility with money；And occur when supplementing process with money
Time abnormal, easily cause dispute and complaint.
Meanwhile, along with the construction of China's credit system and perfect, credit payment is accepted by increasing compatriots
And use.The present situation of Present Domestic credit payment is: transaction with credit is transaction of entirely networking, the accrediting amount of client, available amount
Being stored in bank backstage etc. information, POS etc. must dock bank by network, carries out client identity information, credit information etc.
The real-time, interactive of data；Further, the transaction flow of credit consuming is more complicated, needs user to sign confirmation after transaction, and some is also
Password to be inputted, process is comparatively laborious.These present situations determine credit payment and are more suitable for, wholesale less demanding to payment duration
Payment scene, such as shopping etc., need the small amount payment scene of fast passing to be then difficult to be suitable for for public transport, subway etc..
Summary of the invention
In view of this, the present invention provides a kind of non-networked data processing equipment, non-networked data interaction system and method, energy
Realize quick non-networked to pay.
According to the first aspect of the invention, it is provided that a kind of non-networked data processing equipment, including interactive interface, for
Contactless mode realizes the data interaction with external read device；Stored value card, sends based on described external read device
Consumption order, carry out E-Payment process by described interactive interface；From supplementing module with money, according to default condition, in advance
In the range of being set in paid in advance the amount in this non-networked data processing equipment, described stored value card is supplemented with money；And it is detailed
Logging modle, for record described stored value card pay by mails resume detailed, described from supplement with money module to supplement resume with money detailed.
According to the second aspect of the invention, it is provided that a kind of non-networked data interaction system, including non-networked as above
Data processing equipment；And external read device, send the information containing spending amount to described non-networked data processing equipment
Consumption order.
According to the third aspect of the invention we, it is provided that a kind of in non-networked data interaction system as above perform non-
Networking data exchange method, including: described external read device sends containing consumption gold to described non-networked data processing equipment
The step of the consumption initialization command of the information of volume；Described non-networked data processing equipment based on described consumption initialization command,
Carry out pre-supplementing process with money, and the information containing the described pre-result supplementing process with money is sent to the step of described external read device
Suddenly；When described external read device is determined with based on the described pre-result supplementing process with money received and to conclude the business successfully probability, to
Described non-networked data processing equipment sends the step of consumption order；Described non-networked data processing equipment is based on described consumption life
Order, performs to supplement confirmation process with money and E-Payment processes, and return the step of consumption command response to described external read device；
And described external read device judges this transaction whether success based on described consumption command response, set when concluding the business successfully
Standby trading processing, terminates the step of this process of exchange.
According to the solution of the present invention, can pay amount in advance is to be previously recorded on card, and can be non-after each automatic value-charging
Networking ground updates can pay credit balance in advance, therefore card is directly read out and operates by POS when consumption, it is not necessary to networking
Bank backstage etc..
The present invention has broken the mindset that current transaction with credit is full networking transaction, supplements with money/encloses to deposit by Zhi Fuyu and unbind,
Highlight the IC-card functional localization as means of payment, user need not stored value on card such that it is able to ensure the money of user
Gold need not be taken by card for a long time and affect its income etc..User is the most enough without the money often paying close attention to stored value card, as long as
Paid in advance credit balance on card is not finished just can bankcard consumption always, it is to avoid the worry brought because Sorry, your ticket has not enough value, user's body
Proved recipe is the most friendly.
According to the solution of the present invention, it is possible to realize certainly supplementing with money under the non-networked of card.Amount can be paid in advance can preset
It is that a number sufficiently large relative to single dealing money (is such as usually no more than 10 yuan in the consumption of mass transit card such single
Small amount consumption scene under, can pay in advance amount can be such as 1000 yuan with first-class), pre-conditioned when meeting in process of consumption
Time (condition of certainly supplementing with money of such as the present embodiment, certainly supplement with money permissive condition etc.), card can the most therefrom transfer one for satisfied basis
The minor amount of secondary consumption, in stored value card, makes the instant upwards saltus step of electronic purse balance amount, it is achieved the effect that card oneself supplements with money.
Here, supplement command interface with money the most to card setting, to prevent the mixed of the upper remaining sum of the card caused because of user's recharging by cash
Disorderly.
According to the solution of the present invention, its safe mode of stored value card that can not change existing card end and algorithm, have
With the safe class as the existing means of payment.And consumption transaction flow and command interface identical with existing prepaid card,
To follow PBOC electronic-purse transaction specification, so the POS for compliant can accept this kind of card without transformation, can be fast
Speed realizes application and the popularization of card.And further, certainly supplement with money and process logic simply with risk control, the time consumed
Seldom, efficiency is high.
According to the solution of the present invention, non-networked risk control can be realized.That is, this patent will with certainly supplement with money, control of consumption has
The parameter closed is saved on card, card self carry out risk control.Such as, amount can be paid in advance be reduced to zero or spent effect duration
Time, forbid consumption；Electronic purse balance amount lower limit controls from supplementing trigger condition with money；Single can certainly be supplemented with money secondary from recharge amount and odd-numbered day
Number be used for limit the odd-numbered day from recharge amount；Odd-numbered day can Spending Limit and single maximum spending amount be used for limiting odd-numbered day or single
Maximum spending amount.These technological means all occur under non-networked state, can improve the non-networked risk of this patent card
Control.
Below in conjunction with the drawings and the specific embodiments, technical scheme is further detailed description, the present invention
Beneficial effect will be further appreciated.
Accompanying drawing explanation
Accompanying drawing described herein is used for providing a further understanding of the present invention, constitutes the part of the present invention, is used for
Explain the present invention, be not intended that inappropriate limitation of the present invention.
Fig. 1 shows the functional block diagram of the non-networked data processing equipment of one embodiment of the present invention.
Fig. 2 is the stream of the non-networked data interactive method in the non-networked data interaction system of one embodiment of the present invention
Journey schematic diagram.
Fig. 3 is the stream of the non-networked data interactive method in the non-networked data interaction system of one embodiment of the present invention
Journey schematic diagram.
Fig. 4 is the functional block diagram of prepaid card of the prior art.
Detailed description of the invention
For making the object, technical solutions and advantages of the present invention clearer, below in conjunction with the specific embodiment of the invention and
Technical solution of the present invention is clearly and completely described by corresponding accompanying drawing.Obviously, described embodiment is only the present invention one
Section Example rather than whole embodiments.Based on the embodiment in the present invention, those of ordinary skill in the art are not doing
Go out the every other embodiment obtained under creative work premise, broadly fall into the scope of protection of the invention.
Non-networked data processing equipment of the present invention can be that IC-card, NFC mobile phone, Intelligent worn device etc. are any can
The form of row, as long as possessing the structure of the solution of the present invention, realizing the function of the present invention.Hereinafter describe not to described
The concrete form of device is defined.
Fig. 1 shows the functional block diagram according to non-networked data processing equipment of the present invention.As it is shown in figure 1, institute
State non-networked data processing equipment to include: interactive interface 1, certainly supplement module 2, detail record module 3 and stored value card 4 with money.Its
In, interactive interface 1 is for realizing and the data interaction of external read device, such as card reader etc.；Stored value card 4 is for by handing over
Interface 1 and external read device carry out E-Payment process mutually；From supplementing module 2 with money according to default condition, set in advance
In the range of amount, stored value card 4 is supplemented with money；Detail record module 3 is various for minute book non-networked data processing equipment
Operation note is detailed.
Below each functional module is specifically described one by one.
Described interactive interface 1 is for being used for realizing this non-networked data processing equipment and described external read device business datum
Deng mutual interface, by this interactive interface 1, described non-networked data processing equipment is in the way of contactless, such as clap
Card or wave the mode of card realize described later pay in advance amount settings, E-Payments, detail record read-write etc. and described outside reading
The data interaction of device.
Described include from supplementing module 2 with money: amount setting module, accept and keep by the external dedicated of such as financial institution etc.
Equipment pays amount in advance via interactive interface 1 is set in advance；Supplement control module with money, be preset with from supplementing condition with money；Amount is called
Module, in the range of the remaining sum of paid in advance the amount being set at described amount setting module, supplements control module with money according to described
In preset the condition of supplementing with money certainly be that stored value card 4 is supplemented with money.Supplement with money about described herein, from the point of view of the angle that technology realizes, example
As the parameter representing digicash remaining sum in stored value card 4 can be made to increase certain numerical value, make expression can pay volume in advance simultaneously
The parameter of degree reduces corresponding numerical value.Described from supplementing condition with money, can be set in one embodiment: stored value card 4
Remaining sum is less than predetermined remaining sum lower limit, or is more than current electronic money from the spending amount specified by outside consumption order
The remaining sum of bag 4.It addition, this certainly the condition of supplementing with money can also include supplementing permissive condition with money, it can be set in one embodiment
For: can pay the remaining sum enough (more than or equal to single from recharge amount) of amount and not out of date in advance, and can certainly supplement with money the same day time
Number is not run out.
Described stored value card 4 contains the parameter of the digicash representing currently available, can be by interactive interface 1 and outside reading
Fetching puts the data interaction carrying out relating to this parameter, it is achieved electronic payment function.This stored value card can also include consumption condition
Can control module, according to default consumption permissive condition, it is judged that respond from outside consumption order, performs stored value card and disappears
Take command process.About described consumption permissive condition, can be set in one embodiment: from outside consumption order
Specified spending amount is low less than or equal to consuming total value the same day after the single spending amount upper limit preset, and this consumption
In the default odd-numbered day consumption total value upper limit.
Described detail record module 3 is detailed, such as the various operation notes of minute book non-networked data processing equipment
Can include setting detailed, for recording what described amount was called for the amount recording the described resume that can pay amount setting in advance
The amount of resume calls detail, for recording the consumption details of the resume of described consumption.Amount described herein sets detail, at least
Including the identity information of described special peripheral equipment, the date-time carrying out amount setting and set paid in advance amount.This
Locate described amount and call detail, at least include the date-time that amount is called, the concrete amount numerical value called.Described herein disappear
Take detail, identification information, the spending amount of the object-based device (the outside reading equipment such as POS) at least including carrying out consuming, disappear
Take date-time.
Here, be the integrity ensureing data, when occurring in time supplementing with money or consume, if the adjustment etc. of internal parameters data
Run succeeded, then this non-networked data processing equipment carries out atomicity renewal to various data, i.e. or all data all update
Success, otherwise a byte does not updates, without there is only updating the situation of a part.Described data include paying in advance remaining
Volume, amount call parameters, the remaining sum of amount, electronic purse balance amount and each detail etc. recorded can be paid in advance.
In a specific embodiment, this non-networked data processing equipment can be transit riding card, can pay amount example in advance
An amount of money sufficiently large relative to single spending amount, i.e. riding fee in this way, if such as single transit riding takes general 10
When unit is following, amount can be paid in advance and can be redefined for 1000 yuan etc..Described from supplementing condition with money for example: the remaining sum of stored value card
Less than 10 yuan, or concrete riding fee when swiping the card by bus is more than the remaining sum of current stored value card.Supplement with money perhaps described in it addition,
Can condition such as can be set to: the remaining sum of amount can be paid in advance enough and do not spend effect duration (such as 1 month etc.), and the same day
Can certainly supplement number of times (such as 10 times) with money to be not run out.It addition, described consumption permissive condition such as can be set to: from public transport brush
The spending amount specified by consumption order of card machine is less than or equal to the single spending amount upper limit (such as 20 yuan) preset, and is somebody's turn to do
The same day after pen consumption consumes total value less than the odd-numbered day consumption total value upper limit (such as 100 yuan) preset.
In riding process of swiping the card when meet above-mentioned from supplement condition with money time, described amount calling module is stored value card automatically
4 supplement with money, the most automatically transfer a petty set in advance (such as 20 yuan) and arrive stored value card, make electronic purse balance amount upwards jump
Become, it is achieved farecard is from the effect supplemented with money.Command interface is supplemented with money it addition, the present embodiment is not the most arranged for farecard, but
All the time make it carry out paying formula consumption in advance according to amount can be paid in advance, and go financial institution or public affairs according to some cycles (such as 1 month)
Hand over to the collective or the state and take charge of or utilize the network platform, call the unified clearing such as detail, consumption details according to the amount recorded, be therefore prevented from out
The card remaining sum now caused because of user's recharging by cash at any time is chaotic.In the case, such as when can described in described farecard
Paying the remaining sum of amount in advance when being 0, consumption hereafter will be prohibited.
According to the solution of the present invention, owing to eliminating, the daily of farecard is supplemented with money operation, thus on the one hand save and fill
The human and material resources consumption of value business, has on the other hand heightened work efficiency.
In the solution of the present invention, process being all saved in non-networked data with the parameter certainly supplemented with money, control of consumption is relevant
On device (such as farecard), it is not necessary to networking can carry out automatic value-charging, and supplement with money and consumer's risk control by himself carrying out
System.Such as, when described pay in advance amount be reduced to zero or cross effect duration time, forbid consumption；Utilize described electronic purse balance amount
Lower limit controls from supplementing trigger condition with money；Single can certainly be supplemented number of times with money from recharge amount and odd-numbered day and certainly be supplemented gold with money for limit the odd-numbered day
Volume；Odd-numbered day Spending Limit and single maximum spending amount can be used for limiting the maximum spending amount etc. of odd-numbered day or single.
Fig. 2 and Fig. 3 shows the flow chart of the non-networked data interactive method of one specific embodiment of the present invention, in this example
In, described non-networked data processing equipment is embodied in the flow process that the bankcard consumption of farecard processes.Wherein, if farecard
Certainly the condition of supplementing with money of stored value card is: carry out from supplementing with money when the remaining sum of stored value card is less than the remaining sum lower limit preset, or this
Spending amount is more than electronic purse balance amount.Supplementing permissive condition with money is: the remaining sum that can pay amount in advance is enough (more than or equal to single certainly
Recharge amount) and do not spend effect duration, and can certainly supplement number of times with money the same day and be not run out.Consumption permissive condition is: spending amount is less than
Consumed total value the same day after the default single spending amount upper limit, and this consumption less than in the odd-numbered day consumption total value preset
Limit.The step of the card proof procedure that Fig. 2 is shown in which, the step of what Fig. 3 was shown in which swipe the card process of exchange.
First, as in figure 2 it is shown, user hold farecard near POS carry out waving card or clap card mode swipe the card transaction time,
POS sends Card Reader order (S201) to farecard, after farecard receives this Card Reader order via interactive interface 1, will comprise pre-
The card identification information (such as card number etc.) being located in this card and the Card Reader answer signal of the wallet balances information of stored value card 4 pass through
Interactive interface 1 returns to POS (S202).After receiving the Card Reader answer signal that farecard return comes, POS identifies letter based on card
Breath verifies this farecard the most authentic and valid (S203), if invalid (N), then reports an error, and represents and swipes the card unsuccessfully, it is impossible to proceed to hand over
Easily (S204)；If effectively (Y), then entering the process of exchange of swiping the card shown in Fig. 3.
At this it should be noted that the card proof procedure shown in Fig. 2 the essential features of non-invention, can basis
It is actually needed and is suitably set with nothing.
Fig. 3 illustrates the exemplary flow process of process of exchange of swiping the card.As it is shown on figure 3, when consuming every time, POS with take advantage of
The judge process of the successful probability of concluding the business is first carried out between car card.Specifically, first, POS sends to farecard and comprises this
The consumption initialization command (S301) of secondary spending amount information.Farecard receives this consumption initialization command via interactive interface 1
After, it is made whether to meet the judgement (S302) from supplementing condition with money from supplementing module with money.If judged result is no (N), i.e. represents and work as
Remaining sum in front stored value card is sufficient, then will be equal to Current electronic wallet as " the interim wallet balances " of provisional parameter more than
Volume (S304), processes (S307), via alternately then into the stored value card consumption initialization command carried out by stored value card 4
Interface 1 returns the consumption comprising " interim wallet balances " parameter to POS and initializes response (S308).
On the other hand, if being judged as YES in step s 302 (Y), i.e. represent that the remaining sum of Current electronic wallet is less than setting in advance
Fixed remaining sum lower limit, or this spending amount is more than wallet balances, then determine whether that the remaining sum that can pay amount in advance is the most enough
With, not enough if (i.e. N) via interactive interface 1 to POS return error code (S306), represent this consumption cannot continue into
OK, POS side based on this error code, such as, is pointed out " Sorry, your ticket has not enough value " etc., and terminates this consumption operation.If step S303 is sentenced
Disconnected result, for being (Y), i.e. represents that also can pay amount in advance can use, then enter step S305, will be as facing by amount calling module
Time parameter " interim wallet balances " be equal to Current electronic wallet balances and single set in advance from the conjunction of recharge amount
Evaluation, then by stored value card 4 carry out stored value card consumption initialization command process (S307), and then by interactive interface 1 to
POS returns the consumption comprising " interim wallet balances " parameter and initializes response (S308).
Here, so-called " stored value card consumption initialization command processes ", such as, can be carried out transferring electronic-purse transaction
Sequence number, take random number etc. and meet the process of PBOC China's finance integrated circuit card specification, omit it at this and illustrate.It addition,
So-called " consumption initializes response ", in addition to described interim wallet balances parameter, such as can also include electronic-purse transaction sequence number,
Random number etc..
It follows that after POS receives the consumption initialization response that this farecard returns, it is judged that interim wallet contained therein
Whether remaining sum meets this consumption (S309), if being unsatisfactory for (N), then carries out the prompting (S310) that reports an error, and represents that this consumption cannot
Proceed.If being judged as YES in step S309 (Y), then the consumption order including at least trade date temporal information is sent
To farecard (S311), start to perform to pay processing procedure by mails.
After farecard receives this consumption order via interactive interface 1, amount adjusting module judge that interim wallet balances is joined
Whether number has increment (S312), if not (N), i.e. represents that interim wallet balances is equal to Current electronic wallet balances (step S304
Path), then be directly entered stored value card consumption command process (S315), stored value card 4 perform such as to meet PBOC China
The relevant treatment of finance integrated circuit card specification.
Further, respectively by certainly supplementing module, detail record module with money to following nonvolatile data storage in step S316
Execution atomicity updates:
Electronic purse balance amount=Current electronic wallet balances+single is from recharge amount (being now 0)-this consumes gold
Volume；
Credit balance=currently can pay credit balance-single in advance from recharge amount (being now 0) can be paid in advance；
Record at least include from recharge amount, certainly supplement date-time with money certainly supplement detail (nonessential) with money；
Record at least includes this consumer sale amount of money, the consumption details of this consumer sale date-time；
The record cumulative consumption amount of money on the same day, the same day add up from supplementing number of times with money.
Wherein, added up from filling on electronic purse balance amount, the remaining sum that amount can be paid in advance and the cumulative consumption amount of money on the same day, the same day
Value number of times can be that overwrite updates, and certainly supplementing with money detailed can be that the daily record adding formula updates with consumption details.Further, since
The most do not occur from supplementing with money, therefore can not also record from supplementing detail with money, in order to avoid causing record data redundancy.
It follows that stored value card 4 is returned including at least being used for verifying this consumer sale to POS by interactive interface 1
Transaction verification information (such as transaction verification code etc.) and represent stored value card consumption command process whether successfully information
Consumption command response (S317), POS judges whether farecard orders run succeeded (S320) after receiving this response, no if
Report an error (S321), when performing equipment trading processing (S322), such as record card number, the consumer sale amount of money, date by bus if being
Between etc., and terminate whole transaction flow (S323).
On the other hand, if being judged as YES in step S312 (Y), i.e. interim wallet balances parameter has increment (step S305
Path), then judge whether to meet from supplementing permissive condition (S313) with money by supplementing control module with money.If being unsatisfactory for (N of S313), then
Returning error code (S318) via interactive module 1 to POS, represent that Sorry, your ticket has not enough value, this stored value card consumption command process is not
Success.If judging to meet from supplementing permissive condition (Y of S313) with money, then by the consumption condition in stored value card 4 in step S313
Control module further determines whether to meet consumption permissive condition (S314), if being unsatisfactory for, then via interactive module 1 to POS
Returning error code (S319), sufficient consumption condition with thumb down, this stored value card consumption command process is unsuccessful.If in step
S314 judges to meet consumption permissive condition, then enters stored value card consumption command process (S315), and enter in step S316
The atomicity of the following nonvolatile data storage of row updates:
Electronic purse balance amount=Current electronic wallet balances+single (is now set in advance non-zero from recharge amount
Single is from recharge amount)-this consumer sale amount of money；
Credit balance=currently can pay in advance credit balance-single can be paid in advance from recharge amount (now for set in advance
Non-zero single is from recharge amount)；
Record at least include from recharge amount, certainly supplement date-time with money certainly supplement detail with money；
Record at least includes this spending amount, the consumption details of this consumption date-time；
The record cumulative consumption amount of money on the same day, the same day add up from supplementing number of times with money.
Similarly, wherein electronic purse balance amount, credit balance and the cumulative consumption amount of money on the same day can be paid in advance, the same day adds up
Being that overwrite updates from supplementing number of times with money, certainly supplementing with money detailed is that the daily record adding formula updates with consumption details.
Then, stored value card 4 is returned including at least for verifying this consumer sale to POS by interactive interface 1
Disappearing of command process the most successfully information consumed by transaction verification information (such as transaction verification code etc.) and expression stored value card
Taking command response (S317), POS judges whether farecard orders run succeeded (S320) after receiving this response, no if report
Wrong (S321), performs equipment trading processing (S322), such as record card number, the consumer sale amount of money, date-time by bus if being
Deng, and terminate whole transaction flow (S323).
At this it should be noted that can pay amount in advance can be that system sets for each card is unified in advance, it is also possible to be
Grade etc. according to particular user requirements or card sets respectively.It addition, in this example, single is to preset from recharge amount
Fixed numbers, but in variation, it is also possible to be not fixed value, but amount can paid in advance for meeting this consumer sale
Mobility value in the range of remaining sum, can so that single from recharge amount equal to more than this consumer sale amount of money and Current electronic wallet
The difference of volume.Thus, if this consumer sale amount of money not departing from Current electronic wallet balances with can pay credit balance in advance
Sum, the judgement of the successful probability of just disposably completing to conclude the business.
Non-networked data processing equipment and method to the present invention are described above, at the non-networked data of the present invention
Reason device such as can be embodied as transit riding card and small amount consumption and payment card etc..Describe what the present invention was had below
Advantage, at this it should be noted that advantages below is only illustrates, not represents that the present invention to be provided simultaneously with following all advantages:
According to the solution of the present invention, can pay amount in advance is to be previously recorded on card, and can after every time consumption non-networked
Ground updates can pay credit balance in advance, therefore card is directly read out and operates by POS when consumption, it is not necessary to networking bank
Backstage etc..
The present invention has broken the mindset that current transaction with credit is full networking transaction, supplements with money/encloses to deposit by Zhi Fuyu and unbind,
Highlight the IC-card functional localization as means of payment, user need not stored value on card such that it is able to ensure the money of user
Gold need not be taken by card for a long time and affect its income etc..User is the most enough without the money often paying close attention to stored value card, as long as
Paid in advance credit balance on card is not finished just can bankcard consumption always, it is to avoid the worry brought because Sorry, your ticket has not enough value, user's body
Proved recipe is the most friendly.
According to the solution of the present invention, it is possible to realize certainly supplementing with money under the non-networked of card.Amount can be paid in advance can preset
It is that a number sufficiently large relative to single dealing money (is such as usually no more than 10 yuan in the consumption of mass transit card such single
Small amount consumption scene under, can pay in advance amount can be such as 1000 yuan with first-class), pre-conditioned when meeting in process of consumption
Time (condition of certainly supplementing with money of such as the present embodiment, certainly supplement with money permissive condition etc.), card can the most therefrom transfer one for satisfied basis
The minor amount of secondary consumption, in stored value card, makes the instant upwards saltus step of electronic purse balance amount, it is achieved the effect that card oneself supplements with money.
Here, supplement command interface with money the most to card setting, to prevent the mixed of the upper remaining sum of the card caused because of user's recharging by cash
Disorderly.
According to the solution of the present invention, its safe mode of stored value card that can not change existing card end and algorithm, have
With the safe class as the existing means of payment.And consumption transaction flow and command interface identical with existing prepaid card,
To follow PBOC electronic-purse transaction specification, so the POS for compliant can accept this kind of card without transformation, can be fast
Speed realizes application and the popularization of card.And further, certainly supplement with money and process logic simply with risk control, the time consumed
Seldom, efficiency is high.
According to the solution of the present invention, non-networked risk control can be realized.That is, this patent will with certainly supplement with money, control of consumption has
The parameter closed is saved on card, card self carry out risk control.Such as, amount can be paid in advance and electronic purse balance amount is reduced to
Zero or cross effect duration time, forbid consumption；Electronic purse balance amount lower limit controls from supplementing trigger condition with money；Single from recharge amount and
Odd-numbered day can certainly supplement with money number of times for limit the odd-numbered day from recharge amount；Odd-numbered day can Spending Limit and single maximum spending amount be used for
Limit odd-numbered day or the maximum spending amount of single.These technological means all occur, under non-networked state, to improve this patent card
The non-networked risk control of sheet.
The foregoing is only embodiments of the invention, be not limited to the present invention, for those skilled in the art
For Yuan, the present invention can have various modifications and variations.All within the spirit and principles in the present invention, any amendment of being made,
Equivalent, improvement etc., within should be included in scope of the presently claimed invention.
Claims (11)
1. a non-networked data processing equipment, including:
Interactive interface, for realizing the data interaction with external read device in the way of contactless；
Stored value card, the consumption order sent based on described external read device, paid by mails by described interactive interface
Process；
From supplementing module with money, according to default condition, paid in advance the amount in being pre-set in this non-networked data processing equipment
In the range of described stored value card is supplemented with money；And
Detail record module, detailed, described from supplementing supplementing with money of module with money for recording the E-Payment resume of described stored value card
Resume are detailed.
2. non-networked data processing equipment as claimed in claim 1, wherein,
Described include from supplementing module with money:
Amount setting module, accepts and keeps being paid in advance volume by external dedicated equipment via described interactive interface is set in advance
Degree；
Supplement control module with money, be preset with from supplementing condition with money；
Amount calling module, in the range of the remaining sum of paid in advance the amount being preset at described amount setting module, according to
The described described condition of supplementing with money certainly preset in control module of supplementing with money is that described stored value card is supplemented with money.
3. non-networked data processing equipment as claimed in claim 2, wherein,
The described condition of supplementing with money certainly is that the remaining sum of described stored value card is less than predetermined remaining sum lower limit or from described outside reading dress
The spending amount specified by consumption order put.
4. non-networked data processing equipment as claimed in claim 2, wherein,
Described amount calling module, before performing to supplement described stored value card with money, first judges whether to meet to default in this non-networked
Data processing equipment supplements permissive condition with money；
Described permissive condition of supplementing with money is the described remaining sum effect duration that is enough and that the most excessively preset that can pay amount in advance, and default working as
Day can certainly be supplemented number of times with money and is not run out.
5. non-networked data processing equipment as claimed in claim 1, wherein,
Described stored value card includes consumption condition control module, according to default consumption permissive condition, it is judged that can respond from
The consumption order of described external read device, performs stored value card consumption command process；
Described consumption permissive condition is: the spending amount specified by described consumption order processes less than or equal to this non-networked data
It is total less than the odd-numbered day consumption preset to consume total value the same day after the default single spending amount upper limit in device, and this consumption
The volume upper limit.
6. non-networked data processing equipment as claimed in claim 1, wherein,
Described detail record module record represents that the amount of paid in advance the amount setting resume of described amount setting module sets bright
Carefully, represent that the amount of described amount calling module is called the amount of resume and called detail and the electronic money of described stored value card
Coin pays the consumption details of resume.
7. a non-networked data interaction system, including:
Non-networked data processing equipment described in claim 1；And
External read device, sends the consumption order of the information containing spending amount to described non-networked data processing equipment.
8. non-networked data interaction system as claimed in claim 7, including:
Described external read device is not being entered in the data exchange process of the E-Payment of described non-networked data processing equipment
Row networking processing.
9. the non-networked data interactive method performed in non-networked data interaction system as claimed in claim 7, bag
Include:
The consumption that described external read device sends the information containing spending amount to described non-networked data processing equipment is initial
Change the step of order；
Described non-networked data processing equipment, based on described consumption initialization command, carries out pre-supplementing process with money, and will be containing described
The information of the result supplementing process in advance with money is sent to the step of described external read device；
When described external read device is determined with based on the described pre-result supplementing process with money received and to conclude the business successfully probability, to
Described non-networked data processing equipment sends the step of consumption order；
Described non-networked data processing equipment, based on described consumption order, performs E-Payment and processes, and reads to described outside
Device returns the step of consumption command response；And
Based on described consumption command response, described external read device judges that this transaction is the most successful, set when concluding the business successfully
Standby trading processing, terminates the step of this process of exchange.
10. non-networked data interactive method as claimed in claim 9, wherein,
Described pre-supplement process with money and include:
Judge whether to meet the step certainly supplementing condition with money as claimed in claim 2,
When judging to meet in time supplementing condition with money, determine whether that the described remaining sum that can pay amount in advance is whether more than or equal to presetting
Single from the step of recharge amount, and
When the remaining sum that judgement can pay amount in advance is more than or equal to default single from recharge amount, make facing as provisional parameter
Time wallet balances equal to Current electronic wallet balances and described single from the step of recharge amount sum；
Whether described external read device, is sentenced more than or equal to described spending amount based on the described interim wallet balances received
Fixed successfully probability of whether concluding the business；
Described E-Payment processes and includes:
Judge whether described interim wallet balances has value-added step,
When judging that described interim wallet balances has increment, further determine whether to meet and supplement with money as claimed in claim 4 perhaps
Can the step of condition,
When supplementing permissive condition with money described in judgement meets, further determine whether to meet and consume license as claimed in claim 5
The step of condition, and
When judging to meet described consumption permissive condition, perform stored value card consumption command process, and at least to more than stored value card
Volume and the described remaining sum paying amount in advance carry out the step of following atomicity renewal:
Electronic purse balance amount=Current electronic wallet balances+single from recharge amount-spending amount,
The remaining sum of amount=currently can pay credit balance-single in advance from recharge amount can be paid in advance.
The 11. non-networked data interactive methods as described in claim 9 or 10, wherein,
In described external read device before described non-networked data processing equipment sends described consumption initialization command, also wrap
Include:
Described external read device sends the step of Card Reader order to described non-networked data processing equipment,
After described non-networked data processing equipment receives this Card Reader order, the Card Reader answer signal comprising its own identification information is returned
Back to the step of described external read device, and
Based on described Card Reader answer signal, described external read device verifies that described non-networked data processing equipment the most truly has
The step of effect；
When described external read device judges that described non-networked data processing equipment is authentic and valid, just to described non-networked data
Processing means sends described consumption initialization command.
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