CN106997531A - The method and cutting ferrule of a kind of control financial IC card transaction - Google Patents
The method and cutting ferrule of a kind of control financial IC card transaction Download PDFInfo
- Publication number
- CN106997531A CN106997531A CN201610052328.7A CN201610052328A CN106997531A CN 106997531 A CN106997531 A CN 106997531A CN 201610052328 A CN201610052328 A CN 201610052328A CN 106997531 A CN106997531 A CN 106997531A
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- China
- Prior art keywords
- card
- financial
- mode
- terminal
- transaction
- Prior art date
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Classifications
-
- 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
-
- A—HUMAN NECESSITIES
- A45—HAND OR TRAVELLING ARTICLES
- A45C—PURSES; LUGGAGE; HAND CARRIED BAGS
- A45C11/00—Receptacles for purposes not provided for in groups A45C1/00-A45C9/00
- A45C11/18—Ticket-holders or the like
- A45C11/182—Credit card holders
-
- 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
-
- 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
- G06Q20/405—Establishing or using transaction specific rules
-
- A—HUMAN NECESSITIES
- A45—HAND OR TRAVELLING ARTICLES
- A45C—PURSES; LUGGAGE; HAND CARRIED BAGS
- A45C11/00—Receptacles for purposes not provided for in groups A45C1/00-A45C9/00
- A45C11/18—Ticket-holders or the like
- A45C11/182—Credit card holders
- A45C2011/186—Credit card holders with protection from unauthorised reading by remotely readable data carriers
Abstract
The present invention provides the method and cutting ferrule of a kind of control financial IC card transaction, financial IC card is placed in cutting ferrule, cutting ferrule includes internal layer antenna, outer layer antenna, NFC control chips and screen layer, screen layer is located between outer layer antenna and internal layer antenna, NFC control chips pass through outer layer antenna and terminal communication, NFC control chips are communicated by internal layer antenna with financial IC card, and this method includes：NFC control chips interception terminal is sent to the non-contact transaction instruction of financial IC card；NFC control chips determine that the non-contact transaction instruction of interception is GPO instructions, and the GPO instruction in the corresponding mode of doing business of mode of doing business flag be backstage main account mode of doing business when, or, it is determined that when the non-contact transaction instruction of interception instructs for the non-contact transaction outside GPO instructions, the non-contact transaction instruction of the interception is passed through into the financial IC card.The present invention facilitates the transaction of user, improves Consumer's Experience.
Description
Technical field
The present invention relates to safety of payment technical field, more particularly to a kind of method for controlling financial IC card transaction
And cutting ferrule.
Background technology
At present, magnetic stripe bank card is gradually blocked (again by financial IC (Integrated Circuit Card, integrated circuit)
Referred to as chip IC-card) substitute.Financial IC card is typically all supported contact (inserting IC-card in terminal) and non-connect
Touch (by IC-card close to the prompting region of swiping the card of terminal) transaction.Non-contact transaction is convenient and swift, therefore a lot
User's selection uses non-contact transaction.
General all two accounts of financial IC card, one is electronic cash account, and user is entered using financial IC card
During row non-contact transaction, if selection backstage main account payment, user by financial IC card POS brush
After the rolling of card region makes a movement, in addition it is also necessary to which user inputs on-line cipher or signature, payment could be completed, it is this
Payment method is safe；If selecting the payment of electronic cash account, user is by financial IC card in POS
Region of swiping the card rock, without inputting username and password, you can complete payment, bank release " dodge
Pay (Quick Pass) " be non-contact transaction one kind, user only needs to " dodge indicating in consumption
Pay " mark terminal (such as POS) before gently shake, without inputting password or signature, you can from gold
The corresponding amount of money is deducted in the electronic cash account for melting IC-card, completes to pay.
Although it is efficient and convenient to dodge pair transaction, opportunity also is provided to criminal, criminal only needs
Hold with the POS for dodging pair function, take advantage of and flashed when user does not note near the financial IC card of user, i.e.,
Igor Kanygin volume can be stolen.
For the stolen brush of the electronic cash account for the financial IC card for preventing user, a card is covered on financial IC card
Set, the cutting ferrule can shield Non-contact radio-frequency signal, and user takes out financial IC card only from cutting ferrule can just enter
During the online consumption of row noncontact, so that the stolen brush of electronic account in having reached the financial IC card for preventing user
Purpose, still, this method is needed by financial IC card due to shielding radiofrequency signal, user
During the main account payment of backstage, it is also desirable to financial IC card is taken out from cutting ferrule, backstage main account branch could be passed through
Pay, this just pays to user and brings inconvenience.
The content of the invention
The present invention provides the method and cutting ferrule of a kind of control financial IC card transaction, to solve existing control
The mode of financial IC card transaction when user needs to pay the bill by the backstage main account in financial IC card, it is necessary to
Financial IC card is taken out from cutting ferrule to be paid by backstage main account, to asking that user's payment is made troubles
Topic.
A kind of method for controlling financial IC card transaction, the financial IC card is placed in cutting ferrule, the cutting ferrule
Including internal layer antenna, outer layer antenna, NFC control chips and screen layer, the screen layer is located at outer layer day
Between line and internal layer antenna, NFC control chips pass through outer layer antenna and terminal communication, NFC control chips
Communicated by internal layer antenna with financial IC card, this method includes：
NFC control chips interception terminal is sent to the non-contact transaction instruction of financial IC card；
NFC control chips are if it is determined that the non-contact transaction instruction of interception refers to for GPO instructions, and the GPO
When the corresponding mode of doing business of mode of doing business flag in order is backstage main account mode of doing business, by the interception
Non-contact transaction instruct by passing through the financial IC card；
NFC control chips are if it is determined that the non-contact transaction instruction of interception is the noncontact outside GPO instructions
During trading instruction, the non-contact transaction instruction of the interception is passed through into the financial IC card.
Methods described, in addition to：
If it is determined that the non-contact transaction instruction of interception is GPO instructions, and determine in the GPO instructions
When the corresponding mode of doing business of mode of doing business flag is electronic cash account trading mode, returned to the terminal
Fail Transaction prompting message.
The embodiment of the present invention, when financial IC card is in cutting ferrule, does not allow financial IC card to carry out electronic cash
Account trading, so as to ensure that the safety of the electronic cash account of user's financial IC card.
Methods described, in addition to：
It is determined that when the response message that the financial IC card is returned to the terminal is truncated in preset duration,
The response message is passed through into the terminal.
Methods described, in addition to：
It is determined that when not being truncated to the response message that the financial IC card is returned to the terminal in preset duration,
Response timeout error code is returned to the terminal.
Methods described, determines that the corresponding mode of doing business of mode of doing business flag in the GPO instructions is electricity
Sub- cash account mode of doing business, is specifically included：
It is select response messages to determine the response message, and, determine in select response messages comprising pre-
If during terminal transaction attribute-bit, calculating all TAG marks before the default terminal transaction attribute-bit
Know the length sum M of corresponding data；
When determining that the 6th bit of the m-th byte of the GPO instructions is equal to 1, it is determined that described
The corresponding mode of doing business of mode of doing business flag in GPO instructions is electronic cash account trading mode.
The embodiment of the present invention passes through the TAG marks pair in the select response instructions before calculating GPO instructions
The length sum M for the data answered, according to result M, determines the mode of doing business flag in GPO instructions
Position, and then mode of doing business is determined according to mode of doing business flag.
The present invention also provides a kind of cutting ferrule of control financial IC card transaction, and the financial IC card is placed on described
In cutting ferrule, the cutting ferrule includes internal layer antenna, outer layer antenna, NFC control chips and screen layer, described
Screen layer is located between outer layer antenna and internal layer antenna, and NFC control chips are led to by outer layer antenna and terminal
Letter, NFC control chips are communicated by internal layer antenna with financial IC card, and the NFC control chips include：
Interception module, the non-contact transaction instruction of financial IC card is sent to for intercepting terminal；
Determining module, for if it is determined that the non-contact transaction instruction of interception is GPO instructions, and the GPO
When the corresponding mode of doing business of mode of doing business flag in instruction is backstage main account mode of doing business, described it will cut
The non-contact transaction taken is instructed by passing through the financial IC card；If it is determined that the non-contact transaction of interception
When instructing the non-contact transaction instruction outside being instructed for GPO, the non-contact transaction of the interception is instructed saturating
It is transmitted to the financial IC card.
In the cutting ferrule, the determining module is additionally operable to：
If it is determined that the non-contact transaction instruction of interception is GPO instructions, and determine in the GPO instructions
When the corresponding mode of doing business of mode of doing business flag is electronic cash account trading mode, returned to the terminal
Fail Transaction prompting message.
In the cutting ferrule, the interception module is additionally operable to：
It is determined that when being truncated to the response message that the financial IC card is returned to the terminal in preset duration；
The response message is passed through into the terminal.
In the cutting ferrule, the interception module is additionally operable to：
It is determined that when not being truncated to the response message that the financial IC card is returned to the terminal in preset duration,
Response timeout error code is returned to the terminal.
In the cutting ferrule, the determining module it is determined that the GPO instruction in mode of doing business flag pair
When the mode of doing business answered is electronic cash account trading mode, specifically for：
It is select response messages to determine the response message, and, determine in select response messages comprising pre-
If during terminal transaction attribute-bit, calculating all TAG marks before the default terminal transaction attribute-bit
Know the length sum M of corresponding data；
When determining that the 6th bit of the m-th byte of the GPO instructions is equal to 1, it is determined that described
The corresponding mode of doing business of mode of doing business flag in GPO instructions is electronic cash account trading mode.
Using the method and cutting ferrule of control financial IC card transaction provided in an embodiment of the present invention, have with following
Beneficial effect：Mode of doing business between terminal and the financial IC card being placed in cutting ferrule is to need user's signature
Or password backstage main account mode of doing business when, it is not necessary to user is by financial IC card from the card of financial IC card
Backstage main account transaction can be completed by being taken out in set, so as to facilitate the transaction of user, improve Consumer's Experience；
Mode of doing business between terminal and the financial IC card being placed in cutting ferrule is electronic cash account trading mode
When, NFC control chips return to transaction-declined message to terminal, so as to shield electronic cash account trading side
Formula, has reached the purpose of the stolen brush of the amount of money in the electronic cash account prevented in financial IC card.
Brief description of the drawings
Fig. 1 is one of method flow diagram of control financial IC card transaction provided in an embodiment of the present invention；
Fig. 2 is the two of the method flow diagram of control financial IC card transaction provided in an embodiment of the present invention；
Fig. 3 is the specific implementation process stream of the method for control financial IC card transaction provided in an embodiment of the present invention
Cheng Tu；
Fig. 4 is NFC control chips schematic diagram provided in an embodiment of the present invention.
Embodiment
The method and cutting ferrule of the control financial IC card transaction provided with reference to the accompanying drawings and examples the present invention
It is described in more detail.
The embodiment of the present invention provides a kind of method for controlling financial IC card transaction, and wherein financial IC card is placed on
In cutting ferrule, the cutting ferrule includes internal layer antenna, outer layer antenna, NFC control chips and screen layer, described
Screen layer is located between outer layer antenna and internal layer antenna, and NFC control chips are led to by outer layer antenna and terminal
Letter, NFC control chips are communicated by internal layer antenna with financial IC card, and this method includes：NFC controls core
Piece interception terminal is sent to the non-contact transaction instruction of financial IC card；NFC control chips determine the non-of interception
When contacting the non-contact transaction instruction outside trading instruction instructs for GPO, the noncontact of the interception is handed over
Easily instruction passes through the financial IC card；Or, NFC control chips determine that the non-contact transaction of interception refers to
Make and being instructed for GPO, and the corresponding mode of doing business of mode of doing business flag in GPO instructions is backstage master
During account trading mode, the non-contact transaction instruction of the interception is passed through into the financial IC card.Also wrap
Include：It is determined that the non-contact transaction instruction of interception is GPO instructions, and determine the transaction in the GPO instructions
When the corresponding mode of doing business of mode flag is electronic cash account trading mode, returns and merchandise to the terminal
Failure prompting message.
The following detailed description of the method for control financial IC card transaction provided in an embodiment of the present invention, such as Fig. 1 institutes
Show, including：
Step 101, NFC control chips interception terminal is sent to the non-contact transaction instruction of financial IC card.
In the embodiment of the present invention, financial IC card is placed in cutting ferrule, and the cutting ferrule includes internal layer antenna, outer
Layer antenna, NFC control chips and screen layer, the screen layer are located between outer layer antenna and internal layer antenna,
NFC control chips pass through internal layer antenna and finance by outer layer antenna and terminal communication, NFC control chips
IC-card communicates, wherein, NFC control chips are connected with internal layer antenna and outer layer antenna respectively, also, NFC
Radiofrequency signal and terminal communication that control chip is produced by outer layer antenna, NFC control chips pass through internal layer day
The radio-frequency information number that line is produced communicates with financial IC card；Screen layer is used for shielded radio frequency signal, can prevent
The radiofrequency signal that terminal outside cutting ferrule is produced is received by the financial IC card in cutting ferrule.The embodiment of the present invention
In, NFC control chips are communicated with terminal and financial IC card respectively by radiofrequency signal.
Instructed specifically, terminal sends non-contact transaction by radiofrequency signal to financial IC card, financial IC card
Non-contact transaction instruction is outwardly sent also by radiofrequency signal.
It, with the terminal that the amount of money is extracted from financial IC card, can be the terminals, NFC such as POS that terminal, which is,
(Near Field Communication, the short distance wireless communication technology) control chip interception terminal is sent to
The response message that the mode and interception financial IC card of the non-contact transaction instruction of financial IC card are returned to terminal
Mode be function that existing NFC control chips are carried, be not detailed here.Wherein, NFC is controlled
Coremaking piece is arranged on the cutting ferrule of financial IC card.Specifically, NFC control chips include mode card and Card Reader
Two kinds of device pattern, NFC control chips under mode card, interception terminal send non-contact transaction instruction and
The instruction of the non-contact transaction of interception is handled, by the response message transparent transmission from financial IC card of interception
To terminal；The non-contact transaction instruction of interception is passed through financial IC by NFC control chips under card reader pattern
Block, intercept the response message of financial IC card return, response message is handled.
Step 102, NFC control chips judge that the non-contact transaction of interception is instructed whether to be GPO instructions,
If it is, performing step 103, otherwise, step 104 is performed.
Specifically, NFC control chips are identified for the non-contact transaction instruction of interception, noncontact is determined
When the mark of GPO instructions is carried in trading instruction, it is GPO instructions to determine noncontact instruction.Wherein,
GPO instructions are the instructions for being used in non-contact transaction indicate the beginning of transaction, and the instruction is used to carry consumption gold
The data elements such as volume, terminal transaction attribute-bit, transaction currency code, electronic cash account trading mode includes
Dodge and pay the modes of doing business such as transaction.
Step 103, NFC control chips judge that the mode of doing business flag in interception GPO instructions is corresponding
Whether mode of doing business is backstage main account mode of doing business, if it is, step 104 is performed, if not, performing
Step 105.
Specifically, mode of doing business includes electronic cash transaction mode and backstage main account mode of doing business, can be pre-
When first setting the mode of doing business flag of GPO instructions as 1, expression mode of doing business is electronic cash transaction side
Formula, when the mode of doing business flag for presetting GPO instructions is 0, expression mode of doing business is the main account in backstage
Family mode of doing business,
Step 104, the non-contact transaction instruction of interception is passed through into the financial IC card.
Step 105, it is electronic cash to determine the corresponding mode of doing business of mode of doing business flag in GPO instructions
Account trading mode, and return to Fail Transaction prompting message to the terminal.
Specifically, whether the corresponding mode of doing business of mode of doing business flag for judging GPO instructions is backstage master
Account trading mode, if not, the GPO is not instructed into transparent transmission non-financial IC-card, and returns to friendship to terminal
Easily fail prompting message, and the Fail Transaction prompting message can be presented in the form of transaction errors code, i.e., to end
End returns to transaction errors code, and transaction errors code can customize, such as be two byte hexadecimal number 0x6985,
It can also be other, not limit here；If it is, the GPO instructions of interception are passed through into the finance
IC-card, so that main account transaction in backstage is normally carried out.
Financial IC card is placed in cutting ferrule in the embodiment of the present invention, and cutting ferrule includes inside and outside two layers antenna, NFC
Control chip and screen layer.Separated between outer layer antenna and internal layer antenna using screen layer, so as to prevent mutually
Interference.NFC control chips carry out interacting for radiofrequency signal by outer layer antenna with exterior terminal, similarly,
NFC control chips carry out interacting for radiofrequency signal by internal layer antenna with financial IC card in cutting ferrule.
Specifically, NFC control chips carry out instruction interaction by outer layer antenna and terminal, then pass through internal layer day
The noncontact instruction of interception is passed through financial IC card by line, and outer layer antenna and internal layer antenna are used to generation and penetrated
Frequency signal, so that the radiofrequency signal that NFC control chips are produced by antenna is entered with terminal and finance IC respectively
Row communication.Wherein, the interception of NFC control chips comes the non-contact transaction instruction and interception of self terminal from gold
The mode for melting the message of IC-card is the function that existing NFC control chips are carried, and is not detailed here.
When NFC control chips are in card reader pattern, the internal layer antenna in cutting ferrule produces radiofrequency signal, passes through
The non-contact transaction instruction of interception is passed through financial IC card and intercepts gold by the radiofrequency signal that internal layer antenna is produced
Melt the response message of IC-card return；When NFC control chips are in mode card, the outer layer antenna production in cutting ferrule
Raw radiofrequency signal, the radiofrequency signal produced by outer layer antenna will intercept response message and pass through terminal and intercept
The non-contact transaction instruction that terminal is sent.
The embodiment of the present invention, the mode of doing business between terminal and the financial IC card being placed in cutting ferrule is to need
When wanting the backstage main account mode of doing business of user's signature or password, it is not necessary to which user is by financial IC card from gold
Melt to take out in the cutting ferrule of IC-card and can complete backstage main account transaction, so as to facilitate the transaction of user, carry
High Consumer's Experience；Mode of doing business between terminal and the financial IC card being placed in cutting ferrule is existing for electronics
During golden account trading mode, NFC control chips return to transaction-declined message to terminal, so as to shield electronics
Cash account mode of doing business, has reached the stolen brush of the amount of money in the electronic cash account prevented in financial IC card
Purpose, if user needs to merchandise by electronic cash account trading mode, need from financial IC card
Cutting ferrule in financial IC card is taken out.
Specifically, NFC control chips are by the non-contact transaction instruction outside GPO or by non-electronic cash
After the GPO instruction transparent transmission non-financial IC-cards of account trading mode, financial IC card can be for different non-
Contact trading instruction and return to corresponding response message.Preferably, it is determined that being truncated to the gold in preset duration
When melting the response message that IC-card is returned to the terminal, the response message is passed through into the terminal；Really
It is scheduled on when not being truncated to response message that the financial IC card is returned to the terminal in preset duration, to institute
State terminal and return to response timeout error code.
Wherein, response timeout error code can not limited here with self-defined, be with transaction errors code difference
Can, such as it is two byte hexadecimal number 0x6983.Financial IC card return is truncated in preset duration
Response message, then it is believed that financial IC card is responded successfully, now pass through terminal by the response message；
The response message of financial IC card return is not truncated in preset duration, then it is believed that financial IC card response fails,
Now response timeout error code, closing the transaction are returned to terminal.
Preferably, in step 102, determine that the mode of doing business flag in the GPO instructions is corresponding and hand over
Easy mode is electronic cash account trading mode, as shown in Fig. 2 specifically including：
Step 201, it is select response messages to determine the response message, and, determine select response messages
In comprising default terminal transaction attribute-bit when, it is all before calculating the default terminal transaction attribute-bit
The length sum M of TAG marks.
Specifically, the general flow that non-contact transaction is carried out between terminal and financial IC card is：Terminal is to finance
IC-card sends select instructions, and the corresponding AID of selected mode of doing business (application marks are carried in the instruction
Know)；Financial IC card returns to the select response messages that (applying selection instruction) is instructed for select to terminal,
Transaction attribute is carried in the response message；Terminal generates corresponding GPO instructions according to transaction attribute and is sent to gold
Melt IC-card；Whether financial IC card, which is traded according to GPO instructions and returns to transaction to terminal and successfully respond, disappears
Breath.Select instructions are non-contact transaction instruction.Wherein, the length of transaction attribute is nybble, the first byte
For representing that type of transaction (including supports noncontact debit/credit to apply and do not support noncontact debit/credit
Using), terminal whether support holder's verification method (online PIN, signature) that online and terminal is supported；
Second byte set by terminal according to terms of trade (such as spending amount be more than nil-norm) whether need it is online
Ciphertext and signature；3rd byte is reserved byte, wouldn't be used.Whether nybble props up for instruction terminal
Hold the quick Dynamic Data Authentication of setting version.
Wherein, the corresponding data format of select response messages is TLV forms, and T is mark (TAG), L
For data length, V is data.Such as 9F6604830F0000,9F66 is T, and 04 is the length of follow-up data
L, 830F0000 are real data V.Then determine in select response messages comprising default terminal transaction attribute
Mark, is specifically included：
TAG marks are searched in the corresponding data of select response messages；Corresponding data are identified in TAG
Search whether there is PDOL marks in domain；It is determined that finding default transaction category in the corresponding data of PDOL
Property mark when, determine in select response messages comprising default terminal transaction attribute-bit.Wherein, PDOL
For Treatment Options data meta-attribute (including mark and length) list, initialization step, financial IC are being applied
Card needs the mark and the length list of data element of the data element of terminal offer when handling GPO command.
When it is determined that including default terminal transaction attribute-bit in select response messages, calculate default terminal and hand over
The length sum M of all TAG marks before easy attribute-bit, i.e. calculate and be located at default terminal transaction
All TAG before attribute-bit identify the length sum M of corresponding data (data element).The present invention
TAG in embodiment is identified for representing different data (data element).Specifically, TAG is designated number
According to the label of member, it can be " A5 ", or other, not limit here.
Step 202, when determining that the 6th bit of the m-th byte of the GPO instructions is equal to 1,
Determine that the corresponding mode of doing business of mode of doing business flag in the GPO instructions is electronic cash account trading
Mode.
Specifically, there is default terminal transaction attribute-bit in select response messages, then the selcet rings
Answer and corresponding transaction attribute carried in message, transaction attribute include spending amount, terminal transaction attribute-bit,
Transaction currency code；Terminal is received after the select response messages, is taken according in the select response messages
The transaction attribute of band, the spending amount of user, terminal transaction attribute-bit, transaction currency code are edited into
Financial IC card is sent in GPO instructions.The embodiment of the present invention, NFC control chips judge the GPO of interception
Whether the corresponding value in predetermined bit position of preset byte is preset value in instruction, specifically, determining the GPO
When 6th bit of the m-th byte of instruction is equal to 1, the counterparty in the GPO instructions is determined
The corresponding mode of doing business of formula flag is electronic cash account trading mode.
The embodiment of the present invention, is determined by the transaction attribute-bit in select response messages and TAG marks
Skew of the transaction attribute-bit position in GPO instructions in GPO instructions, and further according to transaction attribute mark
Know whether position is 1 to determine whether current mode of doing business is electronic cash account trading mode.
Check and whether there is terminal transaction attribute-bit in SELECT command response data, judgment rule is such as
Under：The data of SELECT command responses are compound TLV forms, find TAG in response data first
Identify " A5 ", then search whether there is PDOL marks in TAG mark " A5 " data fields again,
Then search whether there is terminal transaction attribute-bit in PDOL data fields again, if in the presence of by PDOL
The length of all TAG marks in data field before terminal transaction attribute-bit is added, as terminal transaction
Attribute data is offset in PDOL.
The method of control financial IC card transaction provided in an embodiment of the present invention is entered with reference to specific embodiment
Row is described in detail, as shown in figure 3, including：
Step 301, POS sends select instructions to financial IC card.
Step 302, the select instructions that NFC control chips interception POS is sent, and judge the select
Application AID (application identities) in instruction whether be backstage main account transaction application AID, if not,
Step 303 is performed, if it is, performing step 304.
Wherein, can by judge using AID whether be " A000000333010101 " or
" A000000333010102 ", if it is, determine that this is electronic cash account application AID using AID,
Otherwise, it determines this is using the application AID that AID is that backstage main account is merchandised.
The application AID of electronic cash account trading be " A000000333010101 " or
“A000000333010102”。
Step 303, NFC control chips will be set to 1 using processing state flag bit, and perform step 304.
Step 304, select instructions are passed through into financial IC card.
Wherein, represent that SELECTSIGN=1 is represented with SELECTSIGN using processing state flag bit
Current application AID is electronic cash account AID.Stateful transaction flag bit PayPassSign can be set to
1, so as to represent non-contact transaction instruction passing through financial IC card, if stateful transaction flag bit
PayPassSign is set to 0, then it represents that non-contact transaction instruction does not pass through financial IC card, is returned to terminal
It is returned fallibility error code.
Step 305, financial IC card returns to select response messages for select instructions.
Step 306, the select response messages that NFC control chips interception financial IC card is returned, and judge to be somebody's turn to do
Whether default terminal transaction attribute-bit is carried in select response messages, if it is, step 307 is performed, it is no
Then, step 308 is performed.
Step 307, NFC control chips calculate all TAG marks before default terminal transaction attribute-bit
Know the length sum M of corresponding data element, and after 2 will be set to using processing state flag bit, perform step
Rapid 308.
SELECTSIGN=2 represents to carry default terminal transaction attribute-bit in select response messages.
Step 308, select response messages are passed through terminal by NFC control chips.
Step 309, terminal is for the generation GPO instructions of select response messages, and the GPO is instructed into hair
Give financial IC card.
Step 310, the GPO instructions that NFC control chips interception terminal is sent, and judge GPO instructions
Whether the 6th bit of m-th byte is equal to 1, if it is, performing step 311, otherwise, performs
Step 312.
Step 311, it is electronic cash to determine the corresponding mode of doing business of mode of doing business flag in GPO instructions
Account trading mode, and return to transaction errors code to terminal.
Now, stateful transaction flag bit PayPassSign is set to 0.
Step 312, it is the main account in backstage to determine the corresponding mode of doing business of mode of doing business flag in GPO instructions
Family account trading mode, and GPO instructions are passed through into financial IC card.
Now, stateful transaction flag bit PayPassSign is set to 1.
In this specific embodiment, different flag bits is set to different values, calling program can be made in reception
During to next instruction, the progress for determining currently to merchandise according to the value of flag bit, so as to carry out the finger of next step
The processing and judgement of order.
The embodiment of the present invention also provides a kind of cutting ferrule of control financial IC card transaction, and the financial IC card is placed
In the cutting ferrule, the cutting ferrule includes internal layer antenna, outer layer antenna, NFC control chips and screen layer,
The screen layer is located between outer layer antenna and internal layer antenna, and NFC control chips pass through outer layer antenna and terminal
Communication, NFC control chips are communicated by internal layer antenna with financial IC card, as shown in figure 4, the NFC
Control chip includes：
Interception module 401, the non-contact transaction instruction of financial IC card is sent to for intercepting terminal；
Determining module 402, for if it is determined that interception non-contact transaction instruction for GPO instruction, and should
When the corresponding mode of doing business of mode of doing business flag in GPO instructions is backstage main account mode of doing business, by institute
The non-contact transaction for stating interception is instructed by passing through the financial IC card；If it is determined that the noncontact of interception
When trading instruction is the non-contact transaction instruction outside GPO is instructed, the non-contact transaction of the interception is referred to
Order passes through the financial IC card.
Preferably, in the cutting ferrule, the determining module is additionally operable to：
If it is determined that the non-contact transaction instruction of interception is GPO instructions, and determine in the GPO instructions
When the corresponding mode of doing business of mode of doing business flag is electronic cash account trading mode, returned to the terminal
Fail Transaction prompting message.
Preferably, in the cutting ferrule, the interception module is additionally operable to：
It is determined that when being truncated to the response message that the financial IC card is returned to the terminal in preset duration；
The response message is passed through into the terminal.
Preferably, in the cutting ferrule, the interception module is additionally operable to：
It is determined that when not being truncated to the response message that the financial IC card is returned to the terminal in preset duration,
Response timeout error code is returned to the terminal.
Preferably, in the cutting ferrule, the determining module it is determined that the GPO instruction in mode of doing business
When the corresponding mode of doing business of flag is electronic cash account trading mode, specifically for：
It is select response messages to determine the response message, and, determine in select response messages comprising pre-
If during terminal transaction attribute-bit, calculating all TAG marks before the default terminal transaction attribute-bit
Know the length sum M of corresponding data；
When determining that the 6th bit of the m-th byte of the GPO instructions is equal to 1, it is determined that described
The corresponding mode of doing business of mode of doing business flag in GPO instructions is electronic cash account trading mode.
Using the method and cutting ferrule of control financial IC card transaction provided in an embodiment of the present invention, have with following
Beneficial effect：Mode of doing business between terminal and the financial IC card being placed in cutting ferrule is to need user's signature
Or password backstage main account mode of doing business when, it is not necessary to user is by financial IC card from the card of financial IC card
Backstage main account transaction can be completed by being taken out in set, so as to facilitate the transaction of user, improve Consumer's Experience；
Mode of doing business between terminal and the financial IC card being placed in cutting ferrule is electronic cash account trading mode
When, NFC control chips return to transaction-declined message to terminal, so as to shield electronic cash account trading side
Formula, has reached the purpose of the stolen brush of the amount of money in the electronic cash account prevented in financial IC card.
The present invention is with reference to the production of method according to embodiments of the present invention, equipment (system) and computer program
The flow chart and/or block diagram of product is described.It should be understood that can by computer program instructions implementation process figure and
/ or each flow and/or square frame in block diagram and the flow in flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to all-purpose computer, special-purpose computer, insertion
Formula processor or the processor of other programmable data processing devices are to produce a machine so that pass through and calculate
The instruction of the computing device of machine or other programmable data processing devices is produced for realizing in flow chart one
The device for the function of being specified in individual flow or multiple flows and/or one square frame of block diagram or multiple square frames.
These computer program instructions, which may be alternatively stored in, can guide computer or the processing of other programmable datas to set
In the standby computer-readable memory worked in a specific way so that be stored in the computer-readable memory
Instruction produce include the manufacture of command device, the command device realization in one flow or multiple of flow chart
The function of being specified in one square frame of flow and/or block diagram or multiple square frames.
These computer program instructions can be also loaded into computer or other programmable data processing devices, made
Obtain and perform series of operation steps on computer or other programmable devices to produce computer implemented place
Reason, so that the instruction performed on computer or other programmable devices is provided for realizing in flow chart one
The step of function of being specified in flow or multiple flows and/or one square frame of block diagram or multiple square frames.
, but those skilled in the art once know base although preferred embodiments of the present invention have been described
This creative concept, then can make other change and modification to these embodiments.So, appended right will
Ask and be intended to be construed to include preferred embodiment and fall into having altered and changing for the scope of the invention.
Obviously, those skilled in the art can carry out various changes and modification without departing from this hair to the present invention
Bright spirit and scope.So, if the present invention these modifications and variations belong to the claims in the present invention and
Within the scope of its equivalent technologies, then the present invention is also intended to comprising including these changes and modification.
Claims (10)
1. a kind of method for controlling financial IC card transaction, it is characterised in that the financial IC card is placed on
In cutting ferrule, the cutting ferrule includes internal layer antenna, outer layer antenna, NFC control chips and screen layer, described
Screen layer is located between outer layer antenna and internal layer antenna, and NFC control chips are led to by outer layer antenna and terminal
Letter, NFC control chips are communicated by internal layer antenna with financial IC card, and this method includes：
NFC control chips interception terminal is sent to the non-contact transaction instruction of financial IC card；
NFC control chips are if it is determined that the non-contact transaction instruction of interception refers to for GPO instructions, and the GPO
When the corresponding mode of doing business of mode of doing business flag in order is backstage main account mode of doing business, by the interception
Non-contact transaction instruct by passing through the financial IC card；
NFC control chips are if it is determined that the non-contact transaction instruction of interception is the noncontact outside GPO instructions
During trading instruction, the non-contact transaction instruction of the interception is passed through into the financial IC card.
2. the method as described in claim 1, it is characterised in that also include：
If it is determined that the non-contact transaction instruction of interception is GPO instructions, and determine in the GPO instructions
When the corresponding mode of doing business of mode of doing business flag is electronic cash account trading mode, returned to the terminal
Fail Transaction prompting message.
3. method as claimed in claim 2, it is characterised in that also include：
It is determined that when the response message that the financial IC card is returned to the terminal is truncated in preset duration,
The response message is passed through into the terminal.
4. method as claimed in claim 3, it is characterised in that also include：
It is determined that when not being truncated to the response message that the financial IC card is returned to the terminal in preset duration,
Response timeout error code is returned to the terminal.
5. method as claimed in claim 3, it is characterised in that determine the transaction in the GPO instructions
The corresponding mode of doing business of mode flag is electronic cash account trading mode, is specifically included：
It is select response messages to determine the response message, and, determine in select response messages comprising pre-
If during terminal transaction attribute-bit, calculating all TAG marks before the default terminal transaction attribute-bit
Know the length sum M of corresponding data；
When determining that the 6th bit of the m-th byte of the GPO instructions is equal to 1, it is determined that described
The corresponding mode of doing business of mode of doing business flag in GPO instructions is electronic cash account trading mode.
6. a kind of cutting ferrule of control financial IC card transaction, it is characterised in that the financial IC card is placed on
In the cutting ferrule, the cutting ferrule includes internal layer antenna, outer layer antenna, NFC control chips and screen layer,
The screen layer is located between outer layer antenna and internal layer antenna, and NFC control chips pass through outer layer antenna and terminal
Communication, NFC control chips are communicated by internal layer antenna with financial IC card, and the NFC control chips include：
Interception module, the non-contact transaction instruction of financial IC card is sent to for intercepting terminal；
Determining module, for if it is determined that the non-contact transaction instruction of interception is GPO instructions, and the GPO
When the corresponding mode of doing business of mode of doing business flag in instruction is backstage main account mode of doing business, described it will cut
The non-contact transaction taken is instructed by passing through the financial IC card；If it is determined that the non-contact transaction of interception
When instructing the non-contact transaction instruction outside being instructed for GPO, the non-contact transaction of the interception is instructed saturating
It is transmitted to the financial IC card.
7. cutting ferrule as claimed in claim 6, it is characterised in that the determining module is additionally operable to：
If it is determined that the non-contact transaction instruction of interception is GPO instructions, and determine in the GPO instructions
When the corresponding mode of doing business of mode of doing business flag is electronic cash account trading mode, returned to the terminal
Fail Transaction prompting message.
8. cutting ferrule as claimed in claim 7, it is characterised in that the interception module is additionally operable to：
It is determined that when being truncated to the response message that the financial IC card is returned to the terminal in preset duration；
The response message is passed through into the terminal.
9. cutting ferrule as claimed in claim 8, it is characterised in that the interception module is additionally operable to：
It is determined that when not being truncated to the response message that the financial IC card is returned to the terminal in preset duration,
Response timeout error code is returned to the terminal.
10. cutting ferrule as claimed in claim 8, it is characterised in that the determining module is it is determined that described
When the corresponding mode of doing business of mode of doing business flag in GPO instructions is electronic cash account trading mode, tool
Body is used for：
It is select response messages to determine the response message, and, determine in select response messages comprising pre-
If during terminal transaction attribute-bit, calculating all TAG marks before the default terminal transaction attribute-bit
Know the length sum M of corresponding data；
When determining that the 6th bit of the m-th byte of the GPO instructions is equal to 1, it is determined that described
The corresponding mode of doing business of mode of doing business flag in GPO instructions is electronic cash account trading mode.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610052328.7A CN106997531B (en) | 2016-01-26 | 2016-01-26 | Method for controlling financial IC card transaction and card sleeve |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610052328.7A CN106997531B (en) | 2016-01-26 | 2016-01-26 | Method for controlling financial IC card transaction and card sleeve |
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| Publication Number | Publication Date |
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| CN106997531A true CN106997531A (en) | 2017-08-01 |
| CN106997531B CN106997531B (en) | 2020-06-09 |
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| CN201610052328.7A Active CN106997531B (en) | 2016-01-26 | 2016-01-26 | Method for controlling financial IC card transaction and card sleeve |
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| Publication number | Publication date |
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| CN106997531B (en) | 2020-06-09 |
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