CN107122822B - A kind of visual financial IC card and the offline transaction method based on visual financial IC card - Google Patents

A kind of visual financial IC card and the offline transaction method based on visual financial IC card Download PDF

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Publication number
CN107122822B
CN107122822B CN201710290999.1A CN201710290999A CN107122822B CN 107122822 B CN107122822 B CN 107122822B CN 201710290999 A CN201710290999 A CN 201710290999A CN 107122822 B CN107122822 B CN 107122822B
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Prior art keywords
card
client
record
treatment options
order
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CN107122822A (en
Inventor
陆舟
于华章
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Feitian Technologies Co Ltd
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Feitian Technologies Co Ltd
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Priority to CN201710290999.1A priority Critical patent/CN107122822B/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • G06K19/07707—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual the visual interface being a display, e.g. LCD or electronic ink
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • G06Q20/357—Cards having a plurality of specified features

Abstract

The invention discloses a kind of visual financial IC card and the offline transaction method based on visual financial IC card, methods described include：Visual financial IC card carries out Bluetooth pairing with client and is connected, and receives the order that client issues；Application is selected when receiving the first pre-set commands；Terminal data is obtained when receiving the second pre-set commands, limitation is performed and checks, obtain Treatment Options；When receiving three pre-set commands, card record is read, electronic cash balances is updated, generates and preserve transaction log, above-mentioned pre-set commands are identical or different order.The visual financial IC card includes：Receiving module, generation module, authentication module, display module, link block, sending module, execution module.The beneficial effects of the present invention are：Using technical scheme provided by the invention, it is not necessary to be the offline transaction that financial IC card can be achieved by transaction terminals such as POSs, it is possible to increase the security and convenience of financial IC card offline transaction.

Description

A kind of visual financial IC card and the offline transaction method based on visual financial IC card
Technical field
The present invention relates to information security field, more particularly to a kind of visual financial IC card and taking off based on visual financial IC card Machine method of commerce.
Background technology
With the continuous improvement of IT application of financial industry degree, requirement of the financial industry to safe class is also growing, Domestic and international each big bank all falls over each other to release financial IC card, to substitute traditional magnetic stripe card comprehensively.
Financial IC card is also known as chip bank card, is the bank card using chip as medium, chip card capacity is big, Ke Yicun The information such as key, digital certificate and fingerprint are stored up, after the Display Techniques such as loading Electronic Paper, electronic cash balances can be shown, handed over The non-sensitive informations such as easily detailed and credit card issuer self-defining data.
Merchandised however, existing financial IC card needs to realize by transaction terminals such as POSs, security and convenience compared with Difference.
The content of the invention
The purpose of the present invention is the defects of overcoming prior art, there is provided a kind of visual financial IC card and based on visual financial IC The offline transaction method of card, is realized especially by following technical scheme.
On the one hand, the present invention provides a kind of visual financial IC card, including：
Receiving module, for receiving Bluetooth pairing request, checking request and the order of client transmission；
Generation module, for when receiving module receives Bluetooth pairing request, generation pairing to identify；
Authentication module, for when receiving module receives checking request, being verified to client；
Display module, for show generation module generation pairing mark, and when authentication module checking not by when show Show corresponding prompt message；
Sending module, for returning to Bluetooth pairing response to client when authentication module is verified；
Link block, for establishing bluetooth connection with client；
Above-mentioned visual financial IC card also includes：
Execution module, for when receiving module receives the first pre-set commands, selection to be applied；For being connect when receiving module When receiving the second pre-set commands, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options；For working as When receiving module receives three pre-set commands, card record is read, electronic cash balances is updated, generates and preserve the day of trade Will.
Wherein, execution module specifically includes：Card record reading unit, for application file where determining card record The recording mechanism of short file identification and card record, acquisition is corresponding with the short file identification to apply constituent instruments, reads institute State using card record corresponding with the recording mechanism in constituent instruments.
In some embodiments, execution module is specifically used for：When the receiving module receives select command, selection Using；The execution module specifically includes：First acquisition unit, for determining whether to perform answering in the select command Applied corresponding to mark；The sending module is additionally operable to：When the first acquisition unit judges to allow to perform, to client Return and apply response chosen successfully；When the first acquisition unit judges not allowing to perform, selection failure is returned to client Response；
Further, Treatment Options data can be included in the application response chosen successfully that sending module returns to client List object；
In some embodiments, execution module is specifically used for：When receiving module receives offline transaction order, selection Using；Execution module specifically includes：First acquisition unit, candidate list is applied for establishing, is selected according to using candidate list Using；Sending module is additionally operable to：When first acquisition unit selects application failure application selection failure response is returned to client.
Further：
In some embodiments, receiving module is additionally operable to：Sound chosen successfully is applied when sending module returns to client Ying Hou, receive the dealing money that client is sent；Execution module is specifically used for：Treatment Options life is obtained when receiving module receives When making, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options；Execution module specifically includes：Second Acquiring unit, for obtaining terminal data according to Treatment Options data object list, limitation is performed according to terminal data and checked, if Check by then obtaining Treatment Options；Sending module is additionally operable to：When second acquisition unit inspection passes through, return and obtain to client Take Treatment Options success response；When second acquisition unit check not by when, to client return obtain Treatment Options unsuccessfully ring Should；
In some embodiments, execution module is specifically used for：When receiving module, which receives, obtains Treatment Options order, Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options；Execution module specifically includes：Second obtains Unit, for obtaining terminal data from acquisition Treatment Options order, limitation is performed according to terminal data and checked, is passed through if checking Then obtain Treatment Options；Sending module is additionally operable to：When second acquisition unit inspection passes through, returned to client and obtain processing choosing Item success response；When second acquisition unit check not by when, to client return obtain Treatment Options failure response；
Further, in the present invention, can be wrapped in the acquisition Treatment Options success response that sending module returns to client Containing Treatment Options；
In some embodiments, execution module is specifically used for：When receiving module receives offline transaction order, obtain Terminal data, limitation is performed according to terminal data and checked, obtains Treatment Options；Execution module specifically includes：Second acquisition unit, For obtaining the dealing money in offline transaction order, terminal data is obtained according to Treatment Options data object list, according to end End data performs limitation and checked, Treatment Options are obtained if if checking；Sending module is additionally operable to：When second acquisition unit inspection Not by when, to client return obtain Treatment Options failure response.
Further：
In some embodiments, execution module is specifically used for：When receiving module receives offline transaction order, read Card record, electronic cash balances are updated, generates and preserves transaction log；Execution module specifically includes：3rd acquiring unit, use In reading card record according to Treatment Options, according to amount of money renewal electronic cash balances are authorized, generate and preserve transaction log, and Offline data authentication operation is performed according to Treatment Options and card record；Sending module is additionally operable to：According to the 3rd acquiring unit Authentication result returns to transaction record data to client；
In some embodiments, execution module is specifically used for：When receiving module receives read record order, card is read Piece records, and updates electronic cash balances, generates and preserve transaction log；Execution module specifically includes：3rd acquiring unit, is used for Corresponding card record is read according to the read record order that receiving module receives, judges whether read record order is that the last item is read Record order, it is then to generate according to amount of money renewal electronic cash balances are authorized and preserve transaction log；Sending module is additionally operable to： The read record success response of the card record read comprising the 3rd acquiring unit is returned to client；
In some embodiments, execution module is specifically used for：When receiving module receives offline transaction order, read Card record, electronic cash balances are updated, generates and preserves transaction log；Execution module specifically includes：3rd acquiring unit, use In reading card record according to Treatment Options, according to amount of money renewal electronic cash balances are authorized, generate and preserve transaction log, and Data authentication operations are performed according to Treatment Options and card record；Sending module is additionally operable to：According to the certification of the 3rd acquiring unit As a result transaction record data are returned to client.
Yet further：
In some embodiments, execution module specifically includes：Card record reading unit, for being determined according to application file The recording mechanism of the short file identification and card record of application file, is obtained and short file identification where position device determines card record It is corresponding to apply constituent instruments, read card record corresponding with the recording mechanism in the application constituent instruments；
In some embodiments, execution module specifically includes：Card record reading unit, for from read record order The segment file mark of application file where obtaining card record and the recording mechanism of card record, are obtained and the short file identification It is corresponding to apply constituent instruments, read card record corresponding with the recording mechanism in the application constituent instruments.
On the other hand, the present invention provides a kind of offline transaction method based on visual financial IC card, it is characterised in that bag Include：
Step S1, visual financial IC card receives the Bluetooth pairing request that client is sent, and generates and shows pairing mark, when When receiving checking request, client is verified according to pairing mark, step S2 is performed if being verified, is otherwise shown Corresponding prompt message, terminate flow；
Step S2, visual financial IC card returns to Bluetooth pairing response to client, and bluetooth connection is established with client, waits And receive the order that client issues；
When visual financial IC card receives the first pre-set commands that client issues, the above method also includes：Visual gold Melt IC-card selection application；
When visual financial IC card receives the second pre-set commands that client issues, the above method also includes：Visual gold Melt IC-card and obtain terminal data, performing limitation according to terminal data checks, obtains Treatment Options；
When visual financial IC card receives three pre-set commands that client issues, the above method also includes：Visual gold Melt IC-card and read card record, update electronic cash balances, generate and preserve transaction log.
Specifically, in the present invention：
Terminal data can include：Electronic cash terminal supports indicator, authorizes the amount of money and transaction currency code；
Treatment Options can include：Using interaction feature and application file locator；
Reading card record can specifically include：The short file identification and card of application file where determining card record The recording mechanism of record, obtain it is corresponding with the short file identification apply constituent instruments, reading is described apply in constituent instruments and Card record corresponding to the recording mechanism.
In some embodiments, the first pre-set commands are specially select command；Selection application specifically includes：Judge whether Allow to perform corresponding to the application identities in select command and apply, be then to return to apply response chosen successfully to client, otherwise Application selection failure response is returned to client；
In some embodiments, the first pre-set commands are specially select command；Selection application specifically includes：Judge whether Allow to perform corresponding to the application identities in select command and apply, be then to return to arrange comprising Treatment Options data object to client The application response chosen successfully of table, otherwise return to application selection failure response to client；
In some embodiments, the first pre-set commands are offline transaction order；Selection application specifically includes：Establish application Candidate list, applied according to using candidate list selection, and return to client when selection application failure and lost using selection Lose response.
Further：
In some embodiments, after visual financial IC card returns to application response chosen successfully to client, in addition to： Receive the dealing money that client is sent；Second pre-set commands are acquisition Treatment Options order；Terminal data is obtained, according to terminal Data perform limitation and checked, obtain Treatment Options, specifically include：Terminal data is obtained according to Treatment Options data object list, According to terminal data perform limitation check, if check pass through if obtain Treatment Options, to client return obtain Treatment Options into Work(responds, and is otherwise returned to client and obtains Treatment Options failure response；Wherein, obtaining can wrap in Treatment Options success response Containing Treatment Options；
In some embodiments, the second pre-set commands are acquisition Treatment Options order；Terminal data is obtained, according to terminal Data perform limitation and checked, obtain Treatment Options, specifically include：Terminal data is obtained from obtaining in Treatment Options order, according to Terminal data is performed to limit and checked, Treatment Options are obtained if if checking, returning to acquisition Treatment Options to client successfully rings Should, otherwise returned to client and obtain Treatment Options failure response；Wherein, place can be included by obtaining in Treatment Options success response Manage option；
In some embodiments, the second pre-set commands are offline transaction order；Terminal data is obtained, according to terminal data Perform limitation to check, obtain Treatment Options, specifically include：The dealing money in offline transaction order is obtained, according to Treatment Options Data object list obtains terminal data, and performing limitation according to terminal data is checked, Treatment Options are obtained if inspection passes through, no Then returned to client and obtain Treatment Options failure response.
Further：
In some embodiments, the 3rd pre-set commands are offline transaction order；Terminal data includes authorizing the amount of money；Read Card record, electronic cash balances are updated, generates and preserves transaction log, specifically include：Card note is read according to Treatment Options Record, according to amount of money renewal electronic cash balances are authorized, generate and preserve transaction log, performed according to Treatment Options and card record Offline data authentication operation, transaction record data are returned to client according to authentication result；
In some embodiments, the 3rd pre-set commands are read record order；Terminal data includes authorizing the amount of money；Read card Piece records, and updates electronic cash balances, generates and preserve transaction log, specifically include：Corresponding card is read according to read record order Piece record, judge whether read record order is the last item read record order, be then according to authorize the amount of money renewal electronic cash more than Volume, generate and preserve transaction log, the read record success response for including the card record is returned to client, otherwise to client End returns to the read record success response for including the card record；
In some embodiments, the 3rd pre-set commands are offline transaction order；Terminal data includes authorizing the amount of money；Read Card record, electronic cash balances are updated, generates and preserves transaction log, specifically include：Card note is read according to Treatment Options Record, according to amount of money renewal electronic cash balances are authorized, generate and preserve transaction log, performed according to Treatment Options and card record Offline data authentication operation, transaction record data are returned to client according to authentication result.
In some embodiments, Treatment Options include application file locator；Card record is read to specifically include：According to Application file locator determines the recording mechanism of the short file identification and card record of application file where card record, obtain with Constituent instruments are applied corresponding to the short file identification, read card corresponding with the recording mechanism in the application constituent instruments Record；
In some embodiments, card record is read to specifically include：Card record place is obtained from read record order The recording mechanism of the short file identification and card record of application file, it is substantially literary to obtain application corresponding with the short file identification Part, read card record corresponding with the recording mechanism in the application constituent instruments.
A kind of offline transaction method based on visual financial IC card provided by the invention can also include：
Step T1, client opens bluetooth scanning, visual financial IC card is selected from the equipment scanned, to visual finance IC-card sends Bluetooth pairing request；
Step T2, client waits and receives the pairing mark of user's input, and generation includes the checking request of pairing mark, Checking request is sent to visual financial IC card；
Step T3, client waits and received the Bluetooth pairing response that visual financial IC card returns, with visual financial IC card Establish bluetooth connection；
Step T4, client obtains the dealing money of user's input, to visual financial IC card transmitting order to lower levels.
In some embodiments, client includes to visual financial IC card transmitting order to lower levels：Candidate list is applied in foundation, according to According to using candidate list select command is issued to visual financial IC card；Above-mentioned first pre-set commands are the select command；
Further, client also includes to visual financial IC card transmitting order to lower levels：Issued to visual financial IC card at acquisition Manage option order；Above-mentioned second pre-set commands are the acquisition Treatment Options order；
Wherein, client also includes before issuing acquisition Treatment Options order to visual financial IC card：Client is according to place Manage option data list object and obtain terminal data；In the acquisition Treatment Options order that client issues to visual financial IC card, The terminal data got comprising client；
Further, client also includes after issuing acquisition Treatment Options order to visual financial IC card：Client Treatment Options according to obtaining in Treatment Options success response issue read record order to visual financial IC card；Above-mentioned 3rd is default Order as read record order；
Wherein, client issues reading note according to the Treatment Options obtained in Treatment Options success response to visual financial IC card Record order, is specifically included：Application file where Treatment Options according to obtaining in Treatment Options success response determine card record Short file identification and card record recording mechanism, the reading comprising short file identification and recording mechanism is issued to visual financial IC card Record order.
In some embodiments, client includes to visual financial IC card transmitting order to lower levels：Client to it is visual finance under Send out offline transaction order；Above-mentioned 3rd pre-set commands are the offline transaction order；
Further, client includes to visual financial IC card transmitting order to lower levels：Client issues de- to visual financial IC card Machine trade command；Wherein, in the offline transaction order that client issues to visual financial IC card, dealing money is included；Above-mentioned Two pre-set commands are also the offline transaction order, or above-mentioned first pre-set commands and second it is default be also the offline transaction Order.
The beneficial effects of the present invention are：Using technical scheme provided by the invention, it is not necessary to whole by transaction such as POSs The offline transaction of financial IC card can be achieved in end, it is possible to increase the security and convenience of financial IC card offline transaction.
Brief description of the drawings
Fig. 1 is the visual gold in a kind of offline transaction method based on visual financial IC card that the embodiment of the present invention 2 provides Melt the operational flowchart of IC-card；
Fig. 2 and Fig. 3 is a kind of flow for offline transaction method based on visual financial IC card that the embodiment of the present invention 2 provides Figure；
Fig. 4 is visual finance in a kind of offline transaction method based on visual financial IC card that the embodiment of the present invention 3 provides The operational flowchart of IC-card；
Fig. 5 is a kind of flow chart for offline transaction method based on visual financial IC card that the embodiment of the present invention 3 provides；
Fig. 6 is visual finance in a kind of offline transaction method based on visual financial IC card that the embodiment of the present invention 4 provides The operational flowchart of IC-card；
Fig. 7 is a kind of flow chart for offline transaction method based on visual financial IC card that the embodiment of the present invention 4 provides；
Fig. 8 is a kind of block diagram for visual financial IC card that the embodiment of the present invention 5 provides.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.It is based on Embodiment in the present invention, those of ordinary skill in the art are obtained every other under the premise of creative work is not made Embodiment, belong to the scope of protection of the invention.
Embodiment 1
The present invention provides a kind of offline transaction method based on visual financial IC card, applied to including visual financial IC card and In the system of client, client is application program in terminal device, method include visual financial IC card perform with Lower step：
Step 11, the Bluetooth pairing request that client is sent is received, generates and shows pairing mark.
Step 12, when receiving checking request, client is verified according to pairing mark, held if being verified Row step 13, corresponding prompt message is otherwise shown, terminate flow.
Step 13, Bluetooth pairing response is returned to client, establishes bluetooth connection with client, wait and receive client The order issued；
When visual financial IC card receives the first pre-set commands that client issues, method also includes visual financial IC card Perform：Selection application；
In the present embodiment, terminal data includes：Terminal data is obtained, electronic cash terminal supports indicator, authorizes the amount of money And transaction currency code；
When visual financial IC card receives the second pre-set commands that client issues, method also includes visual financial IC card Perform：Limitation is performed according to terminal data to check, obtains Treatment Options；
In the present embodiment, Treatment Options include：Using interaction feature and application file locator；
When visual financial IC card receives three pre-set commands that client issues, method also includes visual financial IC card Perform：Card record is read, electronic cash balances is updated, generates and preserve transaction log；
In the present embodiment, reading card record includes：Determine application file where card record short file identification and The recording mechanism of card record, acquisition is corresponding with the short file identification determined to apply constituent instruments, reads and applies in constituent instruments Card record corresponding with the recording mechanism of determination.
In a kind of embodiment of the present embodiment, the first pre-set commands are select command, and the second pre-set commands are Treatment Options order is obtained, the 3rd pre-set commands are read record order；
In this specific embodiment：
Selection application specifically includes：Determine whether to perform corresponding to the application identities in select command and apply, be then The application response chosen successfully for including Treatment Options data object list is returned to client, otherwise returns to application choosing to client Select failure response；
Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specifically includes：At acquisition Terminal data is obtained in reason option order, performing limitation according to terminal data is checked, Treatment Options are obtained if inspection passes through, to Client returns to the acquisition Treatment Options success response for including Treatment Options, is otherwise returned to client and obtains Treatment Options failure Response；
Card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include：According to read record Corresponding card record is read in order, judges whether read record order is the last item read record order, is then according to the mandate amount of money Electronic cash balances are updated, generates and preserves transaction log, the read record success response for including card record is returned to client, Otherwise the read record success response for including card record is returned to client；
Or in this specific embodiment：
Selection application specifically includes：Determine whether to perform corresponding to the application identities in select command and apply, be then Returned to client and apply response chosen successfully, receive the dealing money that client is sent, otherwise return to application choosing to client Select failure response；
Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specifically includes：According to processing Option data list object obtains terminal data, and performing limitation according to terminal data is checked, processing choosing is obtained if inspection passes through , the acquisition Treatment Options success response for including Treatment Options is returned to client, is otherwise returned to client and obtains processing choosing Item failure response；
Card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include：According to read record Corresponding card record is read in order, judges whether read record order is the last item read record order, is then according to the mandate amount of money Electronic cash balances are updated, generates and preserves transaction log, the read record success response for including card record is returned to client, Otherwise the read record success response for including card record is returned to client；
In this specific embodiment, card record is read to specifically include：Card record institute is obtained from read record order In the recording mechanism of the short file identification and card record of application file, application corresponding with the short file identification got is obtained Constituent instruments, read and apply card record corresponding with the recording mechanism got in constituent instruments.
In another embodiment of the present embodiment, the first pre-set commands are select command, the second pre-set commands To obtain Treatment Options order, the 3rd pre-set commands are offline transaction order；
In this specific embodiment：
Selection application specifically includes：Determine whether to perform corresponding to the application identities in select command and apply, be then The application response chosen successfully for including Treatment Options data object list is returned to client, otherwise returns to application choosing to client Select failure response；
Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specifically includes：At acquisition Terminal data is obtained in reason option order, performing limitation according to terminal data is checked, Treatment Options are obtained if inspection passes through, to Client, which returns, obtains Treatment Options success response, is otherwise returned to client and obtains Treatment Options failure response；
Card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include：Selected according to processing Item reads card record, according to amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and according to Treatment Options Offline data authentication operation is performed with card record, transaction record data are returned to client according to authentication result；
Or in this specific embodiment：
Selection application specifically includes：Determine whether to perform corresponding to the application identities in select command and apply, be then Returned to client and apply response chosen successfully, receive the dealing money that client is sent, otherwise return to application choosing to client Select failure response；
Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specifically includes：According to processing Option data list object obtains terminal data, and performing limitation according to terminal data is checked, processing choosing is obtained if inspection passes through , returned to client and obtain Treatment Options success response；Otherwise returned to client and obtain Treatment Options failure response；
Card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include：Selected according to processing Item reads card record, according to amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and according to Treatment Options Offline data authentication operation is performed with card record, transaction record data are returned to client according to authentication result；
In this specific embodiment, card record is read to specifically include：Determine that card is remembered according to application file locator The recording mechanism of the short file identification and card record of application file where record, obtain answer corresponding with the short file identification determined With constituent instruments, read and apply card record corresponding with the recording mechanism of determination in constituent instruments.
In another embodiment of the present embodiment, the first pre-set commands are select command, the second pre-set commands It is same offline transaction order with the 3rd pre-set commands；
In this specific embodiment：
Selection application, is specifically included：Determine whether to perform corresponding to the application identities in select command and apply, be then Returned to client and apply response chosen successfully, otherwise return to application selection failure response to client；
Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specifically includes：Obtain off line Dealing money in trade command, terminal data is obtained according to Treatment Options data object list, limit is performed according to terminal data System checks, obtains Treatment Options if if checking, is otherwise returned to client and obtain Treatment Options failure response；
Card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include：Selected according to processing Item reads card record, according to amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and according to Treatment Options Offline data authentication operation is performed with card record, transaction record data are returned to client according to authentication result.
In another embodiment of the present embodiment, the first pre-set commands, the second pre-set commands and the 3rd are default Order as same offline transaction order；
In this specific embodiment, selection application specifically includes：Candidate list is applied in foundation, and foundation applies candidate list Selection application, and return to application selection failure response to client when selection application failure；
Terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specifically includes：Obtain off line The dealing money of transaction hit, terminal data is obtained according to Treatment Options data object list, limitation is performed according to terminal data Check, obtain Treatment Options if if checking, otherwise returned to client and obtain Treatment Options failure response；
Card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include：Selected according to processing Item reads card record, according to amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and according to Treatment Options Offline data authentication operation is performed with card record, transaction record data are returned to client according to authentication result.
In the present embodiment, method also includes client executing following steps：
Step 21, bluetooth scanning is opened, visual financial IC card is selected from the equipment scanned, is sent out to visual financial IC card Bluetooth pairing is sent to ask；
Step 22, wait and receive the pairing mark of user's input, checking of the generation comprising the pairing mark received please Ask, checking request is sent to visual fiscard；
Step 23, the Bluetooth pairing response that visual financial IC card returns is waited and received, is established with visual financial IC card blue Tooth connects；
Step 24, the dealing money of user's input is obtained, to visual financial IC card transmitting order to lower levels.
In a kind of embodiment of the present embodiment, the order that client issues to visual financial IC card includes：Choosing Select order, obtain Treatment Options order and read record order；
Specifically, in this specific embodiment：
Client, which is established, applies candidate list, according to select command is issued to visual financial IC card using candidate list, connects Receive the application response chosen successfully that visual financial IC card returns；According to the Treatment Options data object in application response chosen successfully List obtains terminal data, and the acquisition Treatment Options order comprising terminal data is issued to visual financial IC card, receives visual gold Melt the acquisition Treatment Options success response of IC-card return；According to the Treatment Options obtained in Treatment Options success response to visual gold Melt IC-card and issue read record order；
Or client is established and applies candidate list, selection life is issued to visual financial IC card according to using candidate list Order, receive the application response chosen successfully that visual financial IC card returns；Issued to visual financial IC card at dealing money and acquisition Option order is managed, receives the acquisition Treatment Options success response that visual financial IC card returns；Successfully rung according to Treatment Options are obtained Treatment Options in answering issue read record order to visual financial IC card；
In the present embodiment, reading is issued to visual financial IC card according to the Treatment Options obtained in Treatment Options success response Record order, is specifically included：Practical writing where Treatment Options according to obtaining in Treatment Options success response determine card record The segment file mark of part and the recording mechanism of card record, issue to visual financial IC card and identify and remember comprising the segment file determined The read record order of record number.
In another embodiment of the present embodiment, the order that client issues to visual financial IC card includes： Select command, obtain Treatment Options order and offline transaction order；
Specifically, in this specific embodiment：Client is established and apply candidate list, according to applying candidate list to can Select command is issued depending on financial IC card, receives the application response chosen successfully that visual financial IC card returns；It is chosen to according to application Treatment Options data object list in work(response obtains terminal data, and obtaining comprising terminal data is issued to visual financial IC card Treatment Options order is taken, receives the acquisition Treatment Options success response that visual financial IC card returns；Issued to visual financial IC card Offline transaction order, receive the transaction record data that visual financial IC card returns；
Or client is established and applies candidate list, selection life is issued to visual financial IC card according to using candidate list Order, receive the application response chosen successfully that visual financial IC card returns；Issued to visual financial IC card at dealing money and acquisition Option order is managed, receives the acquisition Treatment Options success response that visual financial IC card returns；Off line is issued to visual financial IC card Trade command, receive the transaction record data that visual financial IC card returns.
In another embodiment of the present embodiment, the order that client issues to visual financial IC card includes： Select command and offline transaction order；
Specifically, in this specific embodiment：Client is established and apply candidate list, according to applying candidate list to can Select command is issued depending on financial IC card, receives the application response chosen successfully that visual financial IC card returns；To visual financial IC card The offline transaction order for including dealing money is issued, receives the transaction record data that visual financial IC card returns.
In another embodiment of the present embodiment, the order that client issues to visual financial IC card includes： Offline transaction order；
Specifically, in this specific embodiment：Client issues the off line comprising dealing money to visual financial IC card Trade command, receive the transaction record data that visual financial IC card returns.
Embodiment 2
The embodiment of the present invention is on the basis of embodiment 1, and using the first pre-set commands as select command, the second pre-set commands are Treatment Options order is obtained, the 3rd pre-set commands is exemplified by read record orders, there is provided a kind of off line based on visual financial IC card Method of commerce, applied in the system including visual financial IC card and client, client is answering in terminal device Use program.
First, as shown in figure 1, in the method that the present embodiment provides, visual financial IC card performs following steps：
Step A1, visual financial IC card receive the Bluetooth pairing request that client is sent, Bluetooth pairing are returned to client Response, bluetooth connection is established with client.
Further, after visual financial IC card receives Bluetooth pairing request, before returning to Bluetooth pairing response to client, It can also include：
Step a1, visual financial IC card generate and show PIN code, receive the checking request that client is sent；
Step a2, visual financial IC card judge whether the PIN code of last generation is identical with the PIN code in checking request, If it is Bluetooth pairing response is returned to client, otherwise performs step a3；
Step a3, visual financial IC card show authentication failed information, terminate flow.
Further, in step a2, visual financial IC card is judged in the PIN code and checking request of last generation After PIN code differs, it can also include before performing step a3：
Step b1, visual financial IC card update authentication failed number, judge whether authentication failed number is the first preset value, If it is, perform step a3, otherwise return to step a1；
Correspondingly, in step a3, visual financial IC card judges the PIN code in the PIN code and checking request of last generation After identical, in addition to it is initial value to set authentication failed number；
For example, the initial value of authentication failed number is 0, it is that its currency adds 1 that authentication failed number is updated in step b1, First preset value is 6.
Step A2, visual financial IC card receive the order that client is sent, if receiving the select command of client transmission Step A3 is then performed, step A4 is performed if the acquisition Treatment Options order of client transmission is received, if receiving client The read record order of transmission then performs step A6, otherwise shows Fail Transaction, terminates flow.
Specifically, after visual financial IC card receives the order of client transmission, the first two byte of order is checked, if life The value of the first two byte of order is that " 00A4 " then determines to receive the select command of client transmission, if the first two byte of order Then determine to receive the acquisition Treatment Options order that client is sent for " 80A8 ", if the first two byte of order is " 00B2 " It is determined that receive the read record order of client transmission.
Step A3, visual financial IC card selection application, Response to selection, return to step A2 is returned to client.
Specifically, after visual financial IC card receives the select command of client transmission, determine whether to perform selection Applied corresponding to AID in order, be then to return to include FCI (File Control Information, file control to client Information processed) application response chosen successfully, include Treatment Options data object list (PDOL) in FCI, visual financial IC card leads to PDOL is crossed to support indicator to client request electronic cash terminal, authorize the amount of money and transaction currency code；Otherwise to client Return to application selection failure response.
Step A4, visual financial IC card obtain terminal data from acquisition Treatment Options order, performed according to terminal data Limitation checks.
In the present embodiment, terminal data includes：Electronic cash terminal supports indicator, authorizes the amount of money and transaction currency generation Code；
Visual financial IC card performs limitation according to following condition and checked：
Electronic cash terminal supports that indicator is " 01 "；
Transaction currency code matches with application currency code；
The amount of money is authorized to be no more than electronic cash balances；
The amount of money is authorized to be no more than electronic cash single trading limit；
Credit card issuer authentification failure indicator is 0；
Credit card issuer script processing failure indicator is 0；
It is not " 00 " that PIN, which attempts counter,；
Wherein, application currency code, electronic cash balances, electronic cash single trading limit, credit card issuer authentification failure refer to It is the data in visual financial IC card to show that device, credit card issuer script processing failure indicator and PIN attempt counter；
Inspection is limited if conditions above is satisfied by pass through, otherwise limitation is checked and do not passed through；
Preferably, it is " 69 85 " that use condition, which is unsatisfactory for conditional code,.
For example, the acquisition Treatment Options order that visual financial IC card receives is：“80A8 00 00 24 83 22 01 56 17 47 23 00 00 00 00 00 12 34 01 56 46 45 49 54 49 41 4E 20 53 41 46 45 20 20 20 20 20 20 20 20 ", the 13rd byte " 00 " that visual financial IC card reading obtains Treatment Options order obtains electricity Sub- cash terminal supports indicator, reads and obtains the 14th byte of Treatment Options order to the 19th byte " 00 00 00 00 12 34 " the authorized amount of money, the 20th byte to the 21st byte " 01 56 " for reading acquisition Treatment Options order are handed over Easy currency code.
Step A5, visual financial IC card obtains Treatment Options command response according to limitation inspection result generation, to client Return and obtain Treatment Options command response, return to step A2.
Preferably, perform limitation referring to Fig. 2, visual financial IC card according to the data got and check, checked according to limitation As a result generation obtains Treatment Options command response, including performs following steps：
Step c1, judge whether electronic cash terminal indicator is " 01 ", be then to perform step c2, otherwise perform step c9；
Step c2, judges whether transaction currency code is equal to application currency code, is then to perform step c3, otherwise performs step Rapid c9；
Step c3, judge to authorize whether the amount of money is more than electronic cash balances, be then to perform step c9, otherwise perform step c4；
Step c4, judge to authorize whether the amount of money is more than electronic cash single trading limit, be then to perform step c9, otherwise hold Row step c5；
Step c5, judges whether credit card issuer authentification failure indicator is equal to 0, is then to perform step c6, otherwise performs step c9；
Step c6, judges whether credit card issuer script processing failure indicator is equal to 0, is then to perform step c7, otherwise performs Step c9；
Step c7, judge that PIN attempts whether counter is equal to " 00 ", be then to perform step c9, otherwise perform step c8；
Step c8, generation include AIP and AFL acquisition Treatment Options success response；
Step c9, generation are unsatisfactory for the acquisition Treatment Options failure response of conditional code comprising use condition.
Further, limitation inspection also includes after passing through：Visual financial IC card is by CID (Cryptogram Information Data, cryptogram information data) and CVR (Card Verification Results, card the result) put Zero.
Step A6, visual financial IC card determine the client card record to be read according to read record order, obtain corresponding Card record, read record command response is generated according to the card record that gets.
Specifically, SFI (Short File Identifier, short essay part of the visual financial IC card in read record order Mark) and recording mechanism determine the client card record to be read, from the AEF (Application with the SFI Elementary Flies, using constituent instruments) in obtain card record corresponding to the recording mechanism.
Step A7, SFI and recording mechanism of the visual financial IC card in read record order judge read record order whether be The last item read record order, it is then to perform step A9, otherwise performs step A8.
Specifically, SFI and recording mechanism of the visual financial IC card in read record order judge what read record order was read Whether card record is that the client specified by AFL of visual financial IC card needs the last item in the card record that reads, It is to determine that read record order is the last item read record order, it is not the last item read record life otherwise to determine read record order Order.
Step A8, visual financial IC card return to read record command response, return to step A2 to client.
Step A9, visual financial IC card return to read record command response to client, and according to mandate amount of money renewal electronics Closing balance, generation and preservation transaction log, show success of withholing, terminate flow.
Secondly, on the basis of the above, as shown in Figures 2 and 3, the method provided in the present embodiment specifically includes：
Step 101, client opens bluetooth scanning, and visual financial IC card is selected from the equipment scanned.
Specifically, client automatic identification and visual financial IC card is selected, or the equipment that scans of client display Information, inputted according to user and determine and select visual financial IC card.
Step 102, client sends Bluetooth pairing request to visual financial IC card.
Step 103, visual financial IC card receives Bluetooth pairing request；
Step 104, visual financial IC card returns to Bluetooth pairing response to client.
Further, after visual financial IC card receives Bluetooth pairing request, before returning to Bluetooth pairing response to client, It can also include：
Step 1-1, visual financial IC card generate and show PIN code；
Step 1-2, client obtain the PIN code of user's input, and generation includes the checking request of the PIN code；
Step 1-3, client send checking request to visual financial IC card；
Step 1-4, visual financial IC card receive checking request, judge last generation PIN code whether with checking request In PIN code it is identical, if it is, perform step 104；Otherwise, step 1-5 is performed；
Step 1-5, visual financial IC card show authentication failed information, terminate flow.
Further, in step 1-4, visual financial IC card is judged in the PIN code and checking request of last generation After PIN code differs, it can also include before performing step 1-5：
Step 2-1, visual financial IC card update authentication failed number, judge whether authentication failed number is first default Value, if it is, performing step 1-5；Otherwise, return to step 1-1；
Correspondingly, in step 1-4, visual financial IC card judges the PIN code in the PIN code and checking request of last generation After identical, in addition to it is initial value to set authentication failed number；
For example, the initial value of authentication failed number is 0, it is that its currency adds that authentication failed number is updated in step 2-1 1, the first preset value is 3.
Step 105, client establishes bluetooth connection with visual financial IC card.
Step 106, client obtains the dealing money of user's input, and candidate list is applied in foundation.
Specifically, client is established using catalogs electing method or AID lists system of selection and applies candidate list.
Step 107, client selects an application as current application from application candidate list, according to current application AID generates select command.
Specifically, selection application is used as current application, or client to apply to client from application candidate list automatically Application message is shown to user in candidate list, receives user's input, and the selection information or confirmation inputted according to user is selected Select to apply and be used as current application.
Step 108, client sends select command to visual financial IC card.
For example, the AID of current application is " A0 00 00 06 32 01 01 06 ", client is under visual financial IC card Send out select command：“00A4 04 00 08A0 00 00 06 32 01 01 06”.
Step 109, visual financial IC card receives select command, selection application.
Step 110, visual financial IC card returns to Response to selection to client.
In the present embodiment, Response to selection includes application response chosen successfully and application selection failure response；Specifically, visually After financial IC card receives select command, determine whether to perform corresponding to the AID in select command and apply, be then to client Return and apply response chosen successfully, otherwise return to application selection failure response to client；
Further, using FCI is included in response chosen successfully, PDOL is included in FCI, visual financial IC card passes through PDOL To client request terminal data；
In the present embodiment, visual financial IC card includes to the terminal data of client request：Ask electronic cash terminal branch Hold indicator, authorize the amount of money and transaction currency code；
For example, the select command that visual financial IC card receives is " the 08A0 00 00 06 32 01 01 of 0,0A4 04 00 06 ", visual financial IC card returns to client：“6F 81 82 84 08A0 00 00 06 32 01 01 06A5 76 50 0B 50 42 4F 43 20 43 72 65 64 69 74 87 01 01 9F 38 12 9F 1A 02 9F 21 03 9F 7A 01 9F 02 06 5F 2A 02 9F 4E 14 5F 2D 08 7A 68 65 6E 66 72 64 65 9F 11 01 01 9F 12 0F 43 41 52 44 20 49 4D 41 47 45 20 30 30 30 31BF 0C 2D DF 11 20 09 99 10 01 FF FF FF FF 01 32 22 22 07 11 52 07 68 88 8F 01 01 00 00 01 56 10 00 10 01 The 0C 0A 90 00 of 00 01 00 9F 4D, 02 0B 0A DF 4D 02 ", wherein most latter two byte " 90 00 " is to represent to select Successful conditional code is selected, is FCI before the conditional code, " the 9F 7A 01 of 38 12 9F 1A of 9F, 02 9F 21 03 in FCI The 9F 4E 14 " of 02 06 5F 2A of 9F 02 are PDOL.
Step 111, client receives Response to selection, judges whether current application is chosen successfully according to Response to selection, is then Step 113 is performed, otherwise performs step 112.
Specifically, client judges the type of Response to selection, and current application choosing is then determined if application response chosen successfully Work(is selected to, current application selection failure is then determined if application selection failure response；
Further, client checks the conditional code in Response to selection, if the conditional code in Response to selection selects for expression Successful conditional code then determines that Response to selection is to apply response chosen successfully, and it is unsuccessfully to be rung using selection otherwise to determine Response to selection Should；
Preferably, it is " 90 00 " to represent conditional code chosen successfully.
Step 112, client from application candidate list in remove current application, judge apply candidate list in whether also have Using being then return to step 107, otherwise terminate flow.
Step 113, client obtains the PDOL in Response to selection, terminal data is obtained according to PDOL, according to terminal data Generation obtains Treatment Options order.
In the present embodiment, client obtains terminal data according to PDOL to be included：Client is obtained according to dealing money and authorized The amount of money, transaction currency code is obtained according to default configuration, for example, it is RMB currency that transaction currency code is specified in default configuration Code " 01 56 "；Electronic cash terminal is obtained according to following condition and supports indicator：
Client type of transaction is consumer sale；
Client supports electronic cash transaction；
Authorize the amount of money to be less than client electronic cash transaction limit, or be not present in client electronic cash transaction limit The Shi Shouquan amount of money is less than client nil-norm；
Electronic cash terminal is obtained if conditions above is satisfied by and supports that indicator is " 01 ", it is whole otherwise to obtain electronic cash Support that indicator is " 00 " in end；
Preferably, client can perform following steps and obtain electronic cash terminal support indicator：
Step 3-1, judge whether client type of transaction is consumption, be then to perform step 3-2, otherwise obtain electronic cash Terminal supports that indicator is " 00 "；
Step 3-2, judges whether itself supports electronic cash, is then to perform step 3-3, otherwise obtains electronic cash terminal Support that indicator is " 00 "；
Step 3-3, judge that client electronic cash transaction limit whether there is, be then to perform step 3-4, otherwise perform step Rapid 3-5；
Step 3-4, judge to authorize whether the amount of money is less than client electronic cash transaction limit, be then to obtain electronic cash end End supports that indicator is " 01 ", otherwise obtains electronic cash terminal and supports that indicator is " 00 "；
Step 3-5, judge that client nil-norm whether there is, be then to perform step 3-6, it is whole otherwise to obtain electronic cash Support that indicator is " 00 " in end；
Step 3-6, judge to authorize whether the amount of money is less than client nil-norm, be, obtain electronic cash terminal and support to refer to It is " 01 " to show device, otherwise obtains electronic cash terminal and supports that indicator is " 00 ".
Further, in the present embodiment, the terminal data of visual financial IC card request can also include terminal country code, Exchange hour and name of firm etc..
For example, PDOL is the " 9F of 02 06 5F 2A of 9F 38 12 9F 1A, 02 9F, 21 03 9F 7A, 01 9F 02 4E 14 ", wherein " 9F 38 " is PDOL tag, and " 12 " represent length；Client in PDOL " 9F 1A " determine visual Financial IC card request provides tag as " value of 9F 1A " element, i.e. terminal country code, length are " 02 "；Client according to In PDOL " it is " value of 9F 21 " element, i.e. exchange hour, length that 9F 21 ", which determines that the request of visual financial IC card provides tag, For " 03 "；It is " 9F 7A " element that " 9F7A " of the client in PDOL, which determines that visual financial IC card request provides tag, Value, i.e., electronic cash terminal indicator, length are " 01 "；Client in PDOL " 9F 02 " determines visual financial IC card Request provides tag as " value of 9F 02 " element, that is, authorize the amount of money, and length is " 06 "；" 5F of the client in PDOL 2A " determines that visual financial IC card request provides tag as " value of 5F 2A " element, i.e. transaction currency code, length are " 02 "； Client in PDOL " it is " value of 9F 4E " element, i.e. business that 9F 4E ", which determine that the request of visual financial IC card provides tag, Name in an account book claims, and length is " 14 "；
Client executing PDOL processing obtains terminal data：“01 56 17 47 23 00 00 00 00 00 12 34 01 56 46 45 49 54 49 41 4E 20 53 41 46 45 20 20 20 20 20 20 20 20 ", wherein the 1st to 2nd byte is terminal country code, and the 3rd to the 5th byte is exchange hour, and the 6th byte is electronic cash terminal indicator, the 7th To 12 bytes to authorize the amount of money, the 13rd to the 14th byte is transaction currency code, and the 15th to the 34th byte is name of firm；
Client generates according to terminal data and obtains Treatment Options order：“80A8 00 00 24 01 56 17 47 23 01 00 00 00 00 12 34 01 56 46 45 49 54 49 41 4E 20 53 41 46 45 20 20 20 20 20 20 20 20”。
Step 114, client sends to visual financial IC card and obtains Treatment Options order.
Step 115, visual financial IC card, which receives, obtains Treatment Options order, and terminal is obtained from obtaining in Treatment Options order Data.
Step 116, visual financial IC card performs limitation according to terminal data and checked, is obtained according to limitation inspection result generation Treatment Options command response.
In the present embodiment, terminal data includes：Electronic cash terminal supports indicator, authorizes the amount of money and transaction currency generation Code；Obtaining Treatment Options command response includes：Obtain Treatment Options order success response and obtain Treatment Options order and unsuccessfully ring Should；
Visual financial IC card performs limitation according to following condition and checked：
Electronic cash terminal supports that indicator is " 01 "；
Transaction currency code matches with application currency code；
The amount of money is authorized to be no more than electronic cash balances；
The amount of money is authorized to be no more than electronic cash single trading limit；
Credit card issuer authentification failure indicator is 0；
Credit card issuer script processing failure indicator is 0；
It is not " 00 " that PIN, which attempts counter,；
Wherein, application currency code, electronic cash balances, electronic cash single trading limit, credit card issuer authentification failure refer to It is the data in visual financial IC card to show that device, credit card issuer script processing failure indicator and PIN attempt counter；
Inspection is limited if conditions above is satisfied by pass through, visual acquisition of the financial IC card generation comprising AIP and AFL is handled Option success response；Otherwise limitation is checked not by the way that visual financial IC card generation is unsatisfactory for obtaining for conditional code comprising use condition Take Treatment Options failure response；
Preferably, it is " 69 85 " that use condition, which is unsatisfactory for conditional code,.
Preferably, step 116 includes visual financial IC card execution following steps：
Step 4-1, judge whether electronic cash terminal indicator is " 01 ", be then to perform step 4-2, otherwise perform step 4-9；
Step 4-2, judges whether transaction currency code is equal to application currency code, is then to perform step 4-3, otherwise performs Step 4-9；
Step 4-3, judge to authorize whether the amount of money is more than electronic cash balances, be then to perform step 4-9, otherwise perform step 4-4；
Step 4-4, judge to authorize whether the amount of money is more than electronic cash single trading limit, be then to perform step 4-9, otherwise Perform step 4-5；
Step 4-5, judges whether credit card issuer authentification failure indicator is equal to 0, is then to perform step 4-6, otherwise performs step Rapid 4-9；
Step 4-6, judges whether credit card issuer script processing failure indicator is equal to 0, is then to perform step 4-7, otherwise holds Row step 4-9；
Step 4-7, judge that PIN attempts whether counter is equal to " 00 ", be then to perform step 4-9, otherwise perform step 4- 8；
Step 4-8, generation include AIP and AFL acquisition Treatment Options success response；
Step 4-9, generation are unsatisfactory for the acquisition Treatment Options failure response of conditional code comprising use condition.
Further, limitation inspection also includes after passing through：Visual financial IC card is by CID and CVR zero setting.
Step 117, visual financial IC card returns to client and obtains Treatment Options command response.
For example, visual financial IC card returns to client：" 80 0A 7C 00 08 01 02 00 18 03 03 01 ", Wherein " 7C 00 " is AIP, and " 08 01 02 00 18 03 03 01 " are AFL.
Step 118, client, which receives, obtains Treatment Options command response, judges to obtain according to Treatment Options command response is obtained Take whether Treatment Options succeed, be then to perform step 119, otherwise return to step 112.
Step 119, client determines the card record to be read according to the AFL obtained in Treatment Options command response, right Read record order should be generated.
Specifically, an AFL item in client order reading AFL is as current AFL items, according in current AFL items Hold the SFI for determining that current AFL items specify the card record to be read place application file, and the note for the card record to be read Record number, generation include the SFI currently determined and the read record order of recording mechanism.
Step 120, client sends read record order to visual financial IC card.
Step 121, visual financial IC card receives read record order, corresponding card record is read, according to the card read Record generation read record command response.
Specifically, visual financial IC card obtains AEF corresponding with the SFI in read record order, reads in the AEF and remembers with reading Card record corresponding to recording mechanism in record order.
Step 122, SFI and recording mechanism of the visual financial IC card in read record order judge the read record life received Whether order is the last item read record order, is then to perform step 123, otherwise performs step 124.
Specifically, SFI and recording mechanism of the visual financial IC card in read record order judge the read record life received Make whether the card record read is that the client specified by AFL of visual financial IC card is needed in the card record that reads most Latter bar, it is that the read record order for determining to receive is the last item read record order, otherwise determines the read record received Order is not the last item read record order.
Step 123, visual financial IC card updates electronic cash balances according to the mandate amount of money obtained in Treatment Options order, Generate and preserve transaction log, perform step 124.
Step 124, visual financial IC card returns to read record command response to client.
Step 125, client receives read record command response, judges whether the card record also to be read, is, returns Step 119 is returned, otherwise performs step 126.
Specifically, whether the card record in the read record command response that client judges to be currently received is current AFL Item specifies the last item card record read, if not then determining there be the card record to be read, if then further sentencing Whether there are untreated AFL items in the disconnected AFL obtained in Treatment Options order, determine there be the card to be read note if having Record, if without if determine without the card record to be read.
Step 126, the card record for offline data certification that client indicates according to AFL, which performs offline data, to be recognized Card, if certification is by ratifying offline transaction, generating and preserve transaction record；If certification not by, refuse offline transaction, Generate and preserve transaction record.
Specifically, the label for the card record of offline data certification is " 70 ".
Embodiment 3
The embodiment of the present invention is on the basis of embodiment 1, with the default life of the first pre-set commands, the second pre-set commands and the 3rd Make as exemplified by same offline transaction order, there is provided a kind of offline transaction method based on visual financial IC card, applied to including In the system of visual financial IC card and client, micro-control unit (Microcontroller is included in visual financial IC card Unit, MCU) and integrated circuit card (Integrated Circuit, IC) the core of the card piece, client is in terminal device Application program.
First, as shown in figure 4, in the method that the present embodiment provides, visual financial IC card performs following steps：
Step B1, visual financial IC card receives the Bluetooth pairing request that client is sent, and Bluetooth pairing is returned to client Response, bluetooth connection is established with client.
Further, after visual financial IC card receives Bluetooth pairing request, before returning to Bluetooth pairing response to client, It can also include：
Step a1, visual financial IC card generate and show PIN code, receive the checking request that client is sent；
Step a2, visual financial IC card judge whether the PIN code of last generation is identical with the PIN code in checking request, If it is Bluetooth pairing response is returned to client, otherwise performs step a3；
Step a3, visual financial IC card show authentication failed information, terminate flow.
Further, in step a2, visual financial IC card is judged in the PIN code and checking request of last generation After PIN code differs, it can also include before performing step a3：
Step b1, visual financial IC card update authentication failed number, judge whether authentication failed number is the first preset value, If it is, perform step a3, otherwise return to step a1；
Correspondingly, in step a3, visual financial IC card judges the PIN code in the PIN code and checking request of last generation After identical, in addition to it is initial value to set authentication failed number；
For example, the initial value of authentication failed number is 0, it is that its currency adds 1 that authentication failed number is updated in step b1, First preset value is 3.
Step B2, visual financial IC card receive the order that client is sent, if receiving the offline transaction of client transmission Order then performs step B3, otherwise shows Fail Transaction, terminates flow.
Step B3, visual financial IC card selection application.
In the present embodiment, selection application specifically includes：Candidate list is applied in foundation, is answered according to using candidate list selection With, perform step B4 if application success is selected, otherwise to client return application selection failure response.
Step B4, visual financial IC card obtain terminal data, and performing limitation according to terminal data checks, obtains processing choosing .
In the present embodiment, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specific bag Include：The dealing money of offline transaction hit is obtained, terminal data is obtained according to Treatment Options data object list, according to number of terminals Checked according to limitation is performed, Treatment Options are obtained if if checking, otherwise returned to the client and obtain Treatment Options failure Response.
Step B5, visual financial IC card update electronic cash balances, generate and preserve the day of trade according to card record is read Will.
In the present embodiment, card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include： Card record is read according to Treatment Options, according to amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and root Offline data authentication operation is performed according to Treatment Options and card record, transaction record number is returned to client according to authentication result According to.
Secondly, on the basis of the above, as shown in figure 5, the method that the present embodiment provides specifically includes：
Step 201, client opens bluetooth scanning, and visual financial IC card is selected from the equipment scanned.
Specifically, client automatic identification and visual financial IC card is selected, or the equipment that scans of client display Information, inputted according to user and determine and select visual financial IC card.
Step 202, client sends Bluetooth pairing request to visual financial IC card.
Step 203, visual financial IC card receives Bluetooth pairing request.
Step 204, visual financial IC card returns to Bluetooth pairing response to client.
Further, after visual financial IC card receives Bluetooth pairing request, before returning to Bluetooth pairing response to client, It can also include：
Step 1-1, visual financial IC card generate and show PIN code；
Step 1-2, client obtain the PIN code of user's input, and generation includes the checking request of the PIN code；
Step 1-3, client send checking request to visual financial IC card；
Step 1-4, visual financial IC card receive checking request, judge last generation PIN code whether with checking request In PIN code it is identical, if it is, perform step 204；Otherwise, step 1-5 is performed；
Step 1-5, visual financial IC card show authentication failed information, terminate flow.
Further, in step 1-4, visual financial IC card is judged in the PIN code and checking request of last generation After PIN code differs, it can also include before performing step 1-5：
Step 2-1, visual financial IC card update authentication failed number, judge whether authentication failed number is first default Value, if it is, performing step 1-5；Otherwise, return to step 1-1；
Correspondingly, in step 1-4, visual financial IC card judges the PIN code in the PIN code and checking request of last generation After identical, in addition to it is initial value to set authentication failed number；
For example, the initial value of authentication failed number is 0, it is that its currency adds that authentication failed number is updated in step 2-1 1, the first preset value is 3.
Step 205, client establishes bluetooth connection with visual financial IC card.
Step 206, client obtains the dealing money of user's input, and offline transaction order is generated according to dealing money.
Step 207, client sends offline transaction order to visual financial IC card.
Step 208, visual financial IC card receives offline transaction order.
Step 209, visual financial IC card selection application.
Visual financial IC card selection application specifically includes：
Step 1, MCU selects an application to be given birth to as current application according to the AID of current application from application candidate list Into select command；
In the present embodiment, also include before step 1：MCU is established and is applied candidate list；
Specifically, the selection application from application candidate list is used as current application, or MCU candidate will be applied to arrange to MCU automatically Application message is shown to user in table, receives user's input, the selection information inputted according to user or confirmation selection application As current application.
Step 2, MCU sends select command to IC card chip, receives the Response to selection that IC card chip returns, is rung according to selection It should judge whether current application is chosen successfully, be then to perform step 210, otherwise perform step 3；
Specifically, after IC card chip receives select command, determine whether to perform corresponding to the AID in select command Using, be then to MCU return apply response chosen successfully, otherwise to MCU return application selection failure response；
After MCU receives Response to selection, the type of Response to selection is judged, then determined if application response chosen successfully current Using chosen successfully, otherwise determination current application selection failure；
Specifically, MCU checks the conditional code in Response to selection, if the conditional code during selection is corresponding is chosen successfully for expression Conditional code then determines that Response to selection is to apply response chosen successfully, otherwise determines that selection mutually should be using selection failure response；Table It is preferably " 90 00 " to show successful conditional code；
Further, using FCI is included in response chosen successfully, include PDOL in FCI, IC card chip by PDOL to The terminal data of MCU requests；
Step 3, whether MCU removes current application from application candidate list, judge to apply to also have in candidate list and apply, It is then return to step 2, otherwise terminates flow.
Step 210, visual financial IC card obtains terminal data, and performing limitation according to terminal data checks, obtains processing choosing .
In the present embodiment, visual financial IC card obtains terminal data, and performing limitation according to terminal data checks, acquisition processing Option, specifically include：
Step 1, MCU obtains the PDOL in Response to selection, and terminal data is obtained according to PDOL, is obtained according to terminal data generation Treatment Options order is taken, is sent to IC card chip and obtains Treatment Options order；
In the present embodiment, IC card chip includes to the MCU terminal datas asked：Electronic cash terminal is supported indicator, awarded Weigh the amount of money and transaction currency code；MCU obtains terminal data according to PDOL to be included：MCU instructed according to offline transaction in transaction The amount of money, which obtains, authorizes the amount of money, and transaction currency code is obtained according to default configuration；Electronic cash terminal branch is obtained according to following condition Hold indicator：
Client type of transaction is consumer sale；
Client supports electronic cash transaction；
Authorize the amount of money to be less than client electronic cash transaction limit, or be not present in client electronic cash transaction limit The Shi Shouquan amount of money is less than client nil-norm；
Electronic cash terminal is obtained if conditions above is satisfied by and supports that indicator is " 01 ", it is whole otherwise to obtain electronic cash Support that indicator is " 00 " in end；
Preferably, MCU can perform following steps and obtain electronic cash terminal support indicator：
Step 3-1, judge whether client type of transaction is consumption, be then to perform step 3-2, otherwise obtain electronic cash Terminal supports that indicator is " 00 "；
Step 3-2, judges whether itself supports electronic cash, is then to perform step 3-3, otherwise obtains electronic cash terminal Support that indicator is " 00 "；
Step 3-3, judge that client electronic cash transaction limit whether there is, be then to perform step 3-4, otherwise perform step Rapid 3-5；
Step 3-4, judge to authorize whether the amount of money is less than client electronic cash transaction limit, be then to obtain electronic cash end End supports that indicator is " 01 ", otherwise obtains electronic cash terminal and supports that indicator is " 00 "；
Step 3-5, judge that client nil-norm whether there is, be then to perform step 3-6, it is whole otherwise to obtain electronic cash Support that indicator is " 00 " in end；
Step 3-6, judge to authorize whether the amount of money is less than client nil-norm, be, obtain electronic cash terminal and support to refer to It is " 01 " to show device, otherwise obtains electronic cash terminal and supports that indicator is " 00 "；
Further, the terminal data that IC card chip is asked to MCU can also include terminal country code, exchange hour and Name of firm etc.；
Step 2, IC card chip, which receives, obtains Treatment Options order, and terminal data is obtained from obtaining in Treatment Options order, Limitation is performed according to terminal data to check, Treatment Options command response is obtained according to limitation inspection result generation, returns and obtains to MCU Take Treatment Options command response；
In the present embodiment, terminal data includes：Electronic cash terminal supports indicator, authorizes the amount of money and transaction currency generation Code；IC card chip performs limitation according to following condition and checked：
Electronic cash terminal supports that indicator is " 01 "；
Transaction currency code matches with application currency code；
The amount of money is authorized to be no more than electronic cash balances；
The amount of money is authorized to be no more than electronic cash single trading limit；
Credit card issuer authentification failure indicator is 0；
Credit card issuer script processing failure indicator is 0；
It is not " 00 " that PIN, which attempts counter,；
Wherein, application currency code, electronic cash balances, electronic cash single trading limit, credit card issuer authentification failure refer to It is the data in IC card chip to show that device, credit card issuer script processing failure indicator and PIN attempt counter；
Inspection is limited if conditions above is satisfied by pass through, visual acquisition of the financial IC card generation comprising AIP and AFL is handled Option command response；Otherwise limitation is checked not by the way that visual financial IC card generation is unsatisfactory for obtaining for conditional code comprising use condition Take Treatment Options command response；
Preferably, perform limitation according to terminal data to check, Treatment Options order is obtained according to limitation inspection result generation Response, including IC card chip perform following steps：
Step 4-1, judge whether electronic cash terminal indicator is " 01 ", be then to perform step 4-2, otherwise perform step 4-9；
Step 4-2, judges whether transaction currency code is equal to application currency code, is then to perform step 4-3, otherwise performs Step 4-9；
Step 4-3, judge to authorize whether the amount of money is more than electronic cash balances, be then to perform step 4-9, otherwise perform step 4-4；
Step 4-4, judge to authorize whether the amount of money is more than electronic cash single trading limit, be then to perform step 4-9, otherwise Perform step 4-5；
Step 4-5, judges whether credit card issuer authentification failure indicator is equal to 0, is then to perform step 4-6, otherwise performs step Rapid 4-9；
Step 4-6, judges whether credit card issuer script processing failure indicator is equal to 0, is then to perform step 4-7, otherwise holds Row step 4-9；
Step 4-7, judge that PIN attempts whether counter is equal to " 00 ", be then to perform step 4-9, otherwise perform step 4- 8；
Step 4-8, generation include AIP and AFL acquisition Treatment Options command response；
Step 4-9, generation are unsatisfactory for the acquisition Treatment Options command response of conditional code comprising use condition；
Further, limitation inspection also includes after passing through：IC card chip is by CID and CVR zero setting.
Step 3, MCU, which is received, obtains Treatment Options command response, judges according to Treatment Options command response is obtained at acquisition Whether reason option succeeds, and is that then execution step 211, otherwise return perform selection application operating, reselected using candidate list In other application.
Step 211, visual financial IC card reads card record according to Treatment Options, updates electronic cash balances, generation is simultaneously Preserve transaction log；
In the present embodiment, step 211 specifically includes：
Step 1, MCU determines the card record to be read, corresponding generation according to the AFL obtained in Treatment Options command response Read record order, read record order is sent to IC card chip；
Specifically, application file where the AFL item that MCU orders are read in AFL specifies the card record to be read SFI, and the recording mechanism for the card record to be read, generation include the SFI currently determined and the read record order of recording mechanism；
Step 2, IC card chip receives read record order, reads corresponding card record, is given birth to according to the card record read Into read record command response, and the read record order that judges to receive of SFI in read record order and recording mechanism whether be The last item read record order, it is then to perform step 3, otherwise performs step 4；
Specifically, IC card chip obtains AEF corresponding with the SFI in read record order, reads in the AEF and is ordered with read record Card record corresponding to recording mechanism in order；
SFI and recording mechanism of the IC card chip in read record order judge the card that the read record order received is read Whether record is that the client specified by AFL of visual financial IC card needs the last item in the card record that reads, is then It is determined that the read record order received is the last item read record order, the read record order for otherwise determining to receive is not last One read record order.
Step 3, IC card chip updates electronic cash balances according to the mandate amount of money obtained in Treatment Options order, and generation is simultaneously Transaction log is preserved, performs step 4；
Step 4, IC card chip returns to read record command response to MCU；
Step 5, MCU receives read record command response, judges whether the card record also to be read, and is then return to step 1, otherwise perform step 212.
Specifically, whether the card record in the read record command response that MCU judges to be currently received is that current AFL items refer to Surely the last item card record read, if not then determining there be the card record to be read, if then determining whether to obtain Take in the AFL in Treatment Options command response and whether also have untreated AFL items, determine there be the card to be read note if having Record, if without if determine without the card record to be read.
Step 212, visual financial IC card performs offline data authentication operation according to Treatment Options and card record, if off line Data authentication is ratified by then offline transaction, performs step 213, and if offline data certification, not if, offline transaction is refused, and holds Row step 213.
In the present embodiment, visual financial IC card is specific according to Treatment Options and card record execution offline data authentication operation Including：The card record for offline data certification that MCU indicates according to AFL performs offline data certification；
Specifically, the label for the card record of offline data certification is " 70 "；
Step 213, visual financial IC card returns to transaction record data according to offline data authentication result to client.
Step 214, client generates according to transaction record data and preserves transaction record.
Embodiment 4
The embodiment of the present invention is on the basis of embodiment 1, using the first pre-set commands as select command, the second pre-set commands and 3rd pre-set commands is exemplified by same offline transaction orders, there is provided a kind of offline transaction method based on visual financial IC card, Applied in the system including visual financial IC card and client, MCU and IC card chip, client are included in visual financial IC card For the application program in terminal device.
First, as shown in fig. 6, in the method that the present embodiment provides, visual financial IC card performs following steps：
Step C1, visual financial IC card receives the Bluetooth pairing request that client is sent, and Bluetooth pairing is returned to client Response, bluetooth connection is established with client.
Further, after visual financial IC card receives Bluetooth pairing request, before returning to Bluetooth pairing response to client, It can also include：
Step a1, visual financial IC card generate and show PIN code, receive the checking request that client is sent；
Step a2, visual financial IC card judge whether the PIN code of last generation is identical with the PIN code in checking request, If it is Bluetooth pairing response is returned to client, otherwise performs step a3；
Step a3, visual financial IC card show authentication failed information, terminate flow.
Further, in step a2, visual financial IC card is judged in the PIN code and checking request of last generation After PIN code differs, it can also include before performing step a3：
Step b1, visual financial IC card update authentication failed number, judge whether authentication failed number is the first preset value, If it is, perform step a3, otherwise return to step a1；
Correspondingly, in step a3, visual financial IC card judges the PIN code in the PIN code and checking request of last generation After identical, in addition to it is initial value to set authentication failed number；
For example, the initial value of authentication failed number is 0, it is that its currency adds 1 that authentication failed number is updated in step b1, First preset value is 3.
Step C2, visual financial IC card receives the order that client is sent, if receiving the select command of client transmission Step C3 is then performed, step C4 is performed if the offline transaction order of client transmission is received, otherwise shows Fail Transaction, is tied Line journey.
Specifically, after visual financial IC card receives the order of client transmission, the first two byte of order is checked, if life The value of the first two byte of order is that " 00A4 " then determines to receive the select command of client transmission, if the first two byte of order Then determine to receive the offline transaction order that client is sent for " FC25 ".
Step C3, visual financial IC card selection application, Response to selection, return to step C2 is returned to client.
In the present embodiment, selection application, Response to selection is returned to client, is specifically included：Determine whether to perform choosing Select and applied corresponding to the application identities in order, be then to return to apply response chosen successfully to client, otherwise returned to client Respond with selection failure response.
Step C4, visual financial IC card obtain terminal data, and performing limitation according to terminal data checks, obtains processing choosing .
In the present embodiment, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options, specific bag Include：The dealing money in offline transaction order is obtained, terminal data is obtained according to Treatment Options data object list, according to terminal Data are performed to limit and checked, Treatment Options are obtained if if checking, otherwise returning to acquisition Treatment Options to client unsuccessfully rings Should.
Step C5, visual financial IC card read card record, update electronic cash balances, generate and preserve transaction log.
In the present embodiment, card record is read, electronic cash balances is updated, generates and preserve transaction log, specifically include： Card record is read according to Treatment Options, according to amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and root Offline data authentication operation is performed according to Treatment Options and card record, transaction record number is returned to client according to authentication result According to.
Secondly, on the basis of the above, as shown in fig. 7, the method that the present embodiment provides specifically includes：
Step 301, client open bluetooth scanning, and visual financial IC card is selected from the equipment scanned.
Specifically, client automatic identification and visual financial IC card is selected, or the equipment that scans of client display Information, inputted according to user and determine and select visual financial IC card.
Step 302, client sends Bluetooth pairing request to visual financial IC card.
Step 303, visual financial IC card receives Bluetooth pairing request.
Step 304, visual financial IC card returns to Bluetooth pairing response to client.
Further, after visual financial IC card receives Bluetooth pairing request, before returning to Bluetooth pairing response to client, It can also include：
Step 1-1, visual financial IC card generate and show PIN code；
Step 1-2, client obtain the PIN code of user's input, and generation includes the checking request of the PIN code；
Step 1-3, client send checking request to visual financial IC card；
Step 1-4, visual financial IC card receive checking request, judge last generation PIN code whether with checking request In PIN code it is identical, if it is, perform step 304；Otherwise, step 1-5 is performed；
Step 1-5, visual financial IC card show authentication failed information, terminate flow.
Further, in step 1-4, visual financial IC card is judged in the PIN code and checking request of last generation After PIN code differs, it can also include before performing step 1-5：
Step 2-1, visual financial IC card update authentication failed number, judge whether authentication failed number is first default Value, if it is, performing step 1-5；Otherwise, return to step 1-1；
Correspondingly, in step 1-4, visual financial IC card judges the PIN code in the PIN code and checking request of last generation After identical, in addition to it is initial value to set authentication failed number；
For example, the initial value of authentication failed number is 0, it is that its currency adds that authentication failed number is updated in step 2-1 1, the first preset value is 3.
Step 305, client establishes bluetooth connection with visual financial IC card.
Step 306, client obtains the dealing money of user's input.
Step 307, client tissue select command.
In the present embodiment, also include before step 307：Client is established and applies candidate list.
Step 307 specifically includes：Client from application candidate list in select an application be used as current application, according to ought The AID generation select commands of preceding application.
Specifically, selection application is used as current application, or client to apply to client from application candidate list automatically Application message is shown to user in candidate list.User's input is received, the selection information or confirmation inputted according to user is selected Select to apply and be used as current application.
Step 308, client sends select command to visual financial IC card.
Specifically, client sends select command to MCU.
Step 309, visual financial IC card selection application.
Step 310, visual financial IC card returns to Response to selection to client.
In the present embodiment, visual financial IC card selection application, Response to selection is returned to client, is specifically included：MCU is received The select command that client issues, and select command is sent to IC card chip；
After IC card chip receives the select command of client transmission, determine whether to perform the AID in select command Corresponding application, it is that the application response chosen successfully for including FCI is then returned to MCU, includes PDOL in FCI, IC card chip passes through PDOL is to MCU requesting terminals data；Otherwise application selection failure response is returned to MCU；
If MCU is received using response chosen successfully, returned to client and represent that selection application operating successfully selects The response of order；If MCU is received using selection failure response, the choosing for representing selection application operating failure is returned to client Select the response of order.
Step 311, client receives Response to selection, judges to select whether application operating succeeds, and is then to perform step 312, Otherwise return to step 307.
Step 312, client sends the offline transaction order for including dealing money to financial IC card.
Step 313, visual financial IC card receives offline transaction order；
Step 314, visual financial IC card obtains terminal data, and performing limitation according to terminal data checks, obtains processing choosing .
In the present embodiment, terminal data includes：Electronic cash terminal supports indicator, authorizes the amount of money and transaction currency generation Code；
Specifically, MCU obtains the PDOL in application response chosen successfully, and terminal data is obtained according to PDOL.
Preferably, MCU obtains terminal data according to PDOL and included：Dealing money during MCU instructs according to offline transaction obtains The mandate amount of money is taken, transaction currency code is obtained according to default configuration；Electronic cash terminal is obtained according to following condition and supports instruction Device：
Client type of transaction is consumer sale；
Client supports electronic cash transaction；
Authorize the amount of money to be less than client electronic cash transaction limit, or be not present in client electronic cash transaction limit The Shi Shouquan amount of money is less than client nil-norm；
Electronic cash terminal is obtained if conditions above is satisfied by and supports that indicator is " 01 ", it is whole otherwise to obtain electronic cash Support that indicator is " 00 " in end；
Preferably, MCU can perform following steps and obtain electronic cash terminal support indicator：
Step 3-1, judge whether client type of transaction is consumption, be then to perform step 3-2, otherwise obtain electronic cash Terminal supports that indicator is " 00 "；
Step 3-2, judges whether itself supports electronic cash, is then to perform step 3-3, otherwise obtains electronic cash terminal Support that indicator is " 00 "；
Step 3-3, judge that client electronic cash transaction limit whether there is, be then to perform step 3-4, otherwise perform step Rapid 3-5；
Step 3-4, judge to authorize whether the amount of money is less than client electronic cash transaction limit, be then to obtain electronic cash end End supports that indicator is " 01 ", otherwise obtains electronic cash terminal and supports that indicator is " 00 "；
Step 3-5, judge that client nil-norm whether there is, be then to perform step 3-6, it is whole otherwise to obtain electronic cash Support that indicator is " 00 " in end；
Step 3-6, judge to authorize whether the amount of money is less than client nil-norm, be, obtain electronic cash terminal and support to refer to It is " 01 " to show device, otherwise obtains electronic cash terminal and supports that indicator is " 00 "；
Further, the terminal data that IC card chip is asked to MCU can also include terminal country code, exchange hour and Name of firm etc..
Correspondingly, visual financial IC card performs limitation according to terminal data and checked, obtains Treatment Options and specifically includes：
Step 1, MCU is generated according to terminal data and is obtained Treatment Options order, is sent to IC card chip and is obtained Treatment Options Order；
Step 2, IC card chip, which receive, obtains Treatment Options order, and terminal data is obtained from obtaining in Treatment Options order, Limitation is performed according to terminal data to check, Treatment Options command response is obtained according to limitation inspection result generation, returns and obtains to MCU Take Treatment Options command response；
Specifically, IC card chip performs limitation according to following condition and checked：
Electronic cash terminal supports that indicator is " 01 "；
Transaction currency code matches with application currency code；
The amount of money is authorized to be no more than electronic cash balances；
The amount of money is authorized to be no more than electronic cash single trading limit；
Credit card issuer authentification failure indicator is 0；
Credit card issuer script processing failure indicator is 0；
It is not " 00 " that PIN, which attempts counter,；
Wherein, application currency code, electronic cash balances, electronic cash single trading limit, credit card issuer authentification failure refer to It is the data in IC card chip to show that device, credit card issuer script processing failure indicator and PIN attempt counter；
Inspection is limited if conditions above is satisfied by pass through, visual acquisition of the financial IC card generation comprising AIP and AFL is handled Option command response；Otherwise limitation is checked not by the way that visual financial IC card generation is unsatisfactory for obtaining for conditional code comprising use condition Take Treatment Options command response；
Preferably, perform limitation according to terminal data to check, Treatment Options order is obtained according to limitation inspection result generation Response, including IC card chip perform following steps：
Step 4-1, judge whether electronic cash terminal indicator is " 01 ", be then to perform step 4-2, otherwise perform step 4-9；
Step 4-2, judges whether transaction currency code is equal to application currency code, is then to perform step 4-3, otherwise performs Step 4-9；
Step 4-3, judge to authorize whether the amount of money is more than electronic cash balances, be then to perform step 4-9, otherwise perform step 4-4；
Step 4-4, judge to authorize whether the amount of money is more than electronic cash single trading limit, be then to perform step 4-9, otherwise Perform step 4-5；
Step 4-5, judges whether credit card issuer authentification failure indicator is equal to 0, is then to perform step 4-6, otherwise performs step Rapid 4-9；
Step 4-6, judges whether credit card issuer script processing failure indicator is equal to 0, is then to perform step 4-7, otherwise holds Row step 4-9；
Step 4-7, judge that PIN attempts whether counter is equal to " 00 ", be then to perform step 4-9, otherwise perform step 4- 8；
Step 4-8, generation include AIP and AFL acquisition Treatment Options command response；
Step 4-9, generation are unsatisfactory for the acquisition Treatment Options command response of conditional code comprising use condition；
Further, limitation inspection also includes after passing through：IC card chip is by CID and CVR zero setting.
Step 3, MCU, which is received, obtains Treatment Options command response, judges according to Treatment Options command response is obtained at acquisition Whether reason option succeeds, and is then to perform step 315, otherwise notifies client to obtain Treatment Options failure, return to step 307, weight The other application in candidate list is applied in new selection.
Step 315, visual financial IC card reads card record according to Treatment Options, updates electronic cash according to the amount of money is authorized Remaining sum, generate and preserve transaction log.
In the present embodiment, step 315 specifically includes：
Step 1, MCU determines the card record to be read, corresponding generation according to the AFL obtained in Treatment Options command response Read record order, read record order is sent to IC card chip；
Specifically, application file where the AFL item that MCU orders are read in AFL specifies the card record to be read SFI, and the recording mechanism for the card record to be read, generation include the SFI currently determined and the read record order of recording mechanism；
Step 2, IC card chip receives read record order, reads corresponding card record, is given birth to according to the card record read Into read record command response, and the read record order that judges to receive of SFI in read record order and recording mechanism whether be The last item read record order, it is then to perform step 3, otherwise performs step 4；
Specifically, IC card chip obtains AEF corresponding with the SFI in read record order, reads in the AEF and is ordered with read record Card record corresponding to recording mechanism in order；
SFI and recording mechanism of the IC card chip in read record order judge the card that the read record order received is read Whether record is that the client specified by AFL of visual financial IC card needs the last item in the card record that reads, is then It is determined that the read record order received is the last item read record order, the read record order for otherwise determining to receive is not last One read record order.
Step 3, IC card chip updates electronic cash balances according to the mandate amount of money obtained in Treatment Options order, and generation is simultaneously Transaction log is preserved, performs step 4；
Step 4, IC card chip returns to read record command response to MCU；
Step 5, MCU receives read record command response, judges whether the card record also to be read, and is then return to step 1, otherwise perform step 316.
Specifically, whether the card record in the read record command response that MCU judges to be currently received is that current AFL items refer to Surely the last item card record read, if not then determining there be the card record to be read, if then determining whether to obtain Take in the AFL in Treatment Options command response and whether also have untreated AFL items, determine there be the card to be read note if having Record, if without if determine without the card record to be read.
Step 316, visual financial IC card performs offline data authentication operation according to Treatment Options and card record, if off line Data authentication is ratified by then offline transaction, performs step 317, and if offline data certification, not if, offline transaction is refused, and holds Row step 317.
In the present embodiment, visual financial IC card is specific according to Treatment Options and card record execution offline data authentication operation Including：The card record for offline data certification that MCU indicates according to AFL performs offline data certification；
Specifically, the label for the card record of offline data certification is " 70 "；
Step 317, visual financial IC card returns to transaction record data according to offline data authentication result to client.
Step 318, client generates according to transaction record data and preserves transaction record.
Embodiment 5
The present embodiment provides a kind of visual financial IC card, referring to Fig. 8, including：
Receiving module 41, for receiving Bluetooth pairing request, checking request and the order of client transmission；
Generation module 42, for when receiving module 41 receives Bluetooth pairing request, generation pairing to identify；
Authentication module 43, for when receiving module 41 receives checking request, being verified to client；
Display module 44, the pairing mark generated for showing generation module 42；And verify when authentication module 43 and do not lead to It is out-of-date, show corresponding prompt message；
Sending module 45, for when authentication module 43 is verified, Bluetooth pairing response to be returned to client；
Link block 46, for establishing bluetooth connection with client；
Further, the visual financial IC card that the present embodiment provides also includes：
Execution module 47, for when receiving module 41 receives the first pre-set commands, selection to be applied；For when reception mould When block 41 receives the second pre-set commands, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options； For when receiving module 41 receives three pre-set commands, reading card record, electronic cash balances are updated, generates and preserves Transaction log.
Specifically, in the present embodiment, execution module 47 includes：Card record reading unit, for determining card record institute In the recording mechanism of the short file identification and card record of application file, acquisition is corresponding with the short file identification determined to apply base This document, read get using card record corresponding with the recording mechanism of determination in constituent instruments.
In a kind of embodiment：
Execution module 47 is used for when receiving module 41 receives select command, selection application；
Specifically, execution module 47 includes：First acquisition unit, connect for determining whether to perform with receiving module 41 The corresponding application of application identities in the select command received；
Correspondingly, sending module 45 is additionally operable to：When first acquisition unit judges to allow to perform, return and apply to client Response chosen successfully, when first acquisition unit judges not allowing to perform, selection failure response is returned to client.
Further, in this specific embodiment：
Receiving module 41 is additionally operable to after sending module 45 returns to application response chosen successfully to client, receive client The dealing money of transmission；
Execution module 47 is specifically used for, when receiving module 41 receives and obtains Treatment Options order, obtaining terminal data, Limitation is performed according to terminal data to check, obtains Treatment Options；
Specifically, execution module 47 includes：Second acquisition unit, for being obtained eventually according to Treatment Options data object list End data, performs limitation according to terminal data and checks, Treatment Options are obtained if if checking；
Correspondingly, sending module 45 is additionally operable to：When second acquisition unit inspection passes through, acquisition processing is returned to client Option success response, when second acquisition unit check not by when, to client return obtain Treatment Options failure response；
Wherein, Treatment Options can be included in the acquisition Treatment Options success response that sending module 45 returns to client.
Further, in this specific embodiment：
Execution module 47 is specifically used for when receiving module 41 receives offline transaction order, reads card record, renewal Electronic cash balances, generate and preserve transaction log；
Specifically, execution module 47 includes：3rd acquiring unit, for reading card record according to Treatment Options, according to Amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and off line is performed according to Treatment Options and card record Data authentication operations；
Correspondingly, sending module 45 is additionally operable to return to transaction record to client according to the authentication result of the 3rd acquiring unit Data.
Further, in this specific embodiment, execution module 47 specifically includes：Card record reading unit, use The recording mechanism of the short file identification and card record of application file where card record is determined according to application file locator, Acquisition is corresponding with the short file identification determined to apply constituent instruments, reads using corresponding with the recording mechanism of determination in constituent instruments Card record.
In a kind of embodiment：
Execution module 47 is used for when receiving module 41 receives select command, selection application；
Specifically, execution module 47 includes：First acquisition unit, connect for determining whether to perform with receiving module 41 The application that application identities in the select command received are mutually tackled；
Correspondingly, sending module 45 is additionally operable to：When first acquisition unit judges to allow to perform, return and include to client The application response chosen successfully of Treatment Options data object list, when first acquisition unit judges not allowing to perform, to client End returns to application selection failure response.
Further, in this specific embodiment, execution module 47 is specifically used for when receiving module 41 receives acquisition During Treatment Options order, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options；
Specifically, execution module 47 includes：Second acquisition unit, the acquisition for being received from receiving module 41 handle choosing Terminal data is obtained in item order, performing limitation according to terminal data is checked, Treatment Options are obtained if inspection passes through；
Correspondingly, sending module 45 is additionally operable to when second acquisition unit inspection passes through, and acquisition processing is returned to client Option success response, when second acquisition unit check not by when, to client return obtain Treatment Options failure response.
Wherein, Treatment Options can be included in the acquisition Treatment Options success response that sending module 45 returns to client.
Further, in this specific embodiment, execution module 47 is specifically used for when receiving module 41 receives off line During trade command, card record is read, electronic cash balances is updated, generates and preserve transaction log；
Specifically, execution module 47 includes：3rd acquiring unit, for reading card record according to Treatment Options, according to Amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and off line is performed according to Treatment Options and card record Data authentication operations；
Correspondingly, sending module 45 is additionally operable to：Transaction note is returned to client according to the authentication result of the 3rd acquiring unit Record data.
Further, in this specific embodiment, execution module 47 specifically includes：Card record reading unit, use The recording mechanism of the short file identification and card record of application file where card record is determined according to application file locator, Acquisition is corresponding with the short file identification determined to apply constituent instruments, reads using corresponding with the recording mechanism of determination in constituent instruments Card record.
In a kind of embodiment：
Execution module 47 is used for when receiving module 41 receives offline transaction order, selection application；
Specifically, execution module 47 includes first acquisition unit, candidate list is applied for establishing, according to the application established Candidate list selection application；
Correspondingly, sending module 45 is additionally operable to, when first acquisition unit selects failure, application selection be returned to client Failure response.
Further, in this specific embodiment, execution module 47 is specifically used for when receiving module 41 receives off line During trade command, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options；
Specifically, execution module 47 includes：Second acquisition unit, for obtaining the dealing money in offline transaction order, Terminal data is obtained according to Treatment Options data object list, performing limitation according to terminal data checks, is obtained if inspection passes through Take Treatment Options；
Correspondingly, sending module 45 is additionally operable to：When second acquisition unit check not by when, to client return acquisition at Manage option failure response.
Further, in this specific embodiment, execution module 47 is specifically used for when receiving module 41 receives off line During trade command, card record is read, electronic cash balances is updated, generates and preserve transaction log；
Specifically, execution module 47 includes：3rd acquiring unit, for reading card record according to Treatment Options, according to Amount of money renewal electronic cash balances are authorized, generates and preserves transaction log, and data are performed according to Treatment Options and card record Authentication operation；
Correspondingly, sending module 45 is additionally operable to：Transaction note is returned to client according to the authentication result of the 3rd acquiring unit Record data.
It is described above, it is only more preferably embodiment, but protection scope of the present invention is not limited to of the invention This, any one skilled in the art the invention discloses technical scope in, change or replacement can be readily occurred in, It should all be included within the scope of the present invention.Therefore, protection scope of the present invention should the protection model with claim Enclose and be defined.

Claims (38)

  1. A kind of 1. offline transaction method based on visual financial IC card, it is characterised in that including：
    Step S1, visual financial IC card receives the Bluetooth pairing request that client is sent, and generates and shows pairing mark, works as reception During to checking request, the client is verified according to the pairing mark, step S2 is performed if being verified, otherwise Corresponding prompt message is shown, terminates flow；
    Step S2, described visual financial IC card returns to Bluetooth pairing response to the client, and bluetooth is established with the client Connection, waits and receives the order that the client issues；
    When the visual financial IC card receives the first pre-set commands that the client issues, methods described also includes：Institute State visual financial IC card selection application；
    When the visual financial IC card receives the second pre-set commands that the client issues, methods described also includes：Institute State visual financial IC card and obtain terminal data, performing limitation according to the terminal data checks, obtains Treatment Options；
    When the visual financial IC card receives three pre-set commands that the client issues, methods described also includes：Institute State visual financial IC card and read card record, update electronic cash balances, generate and preserve transaction log；
    The reading card record specifically includes：The short file identification and card record of application file where determining card record Recording mechanism, obtain it is corresponding with the short file identification applies constituent instruments, reading is described apply in constituent instruments with it is described Card record corresponding to recording mechanism.
  2. 2. the method as described in claim 1, it is characterised in that the terminal data includes：Electronic cash terminal supports instruction Device, authorize the amount of money and transaction currency code.
  3. 3. the method as described in claim 1, it is characterised in that the Treatment Options include：Using interaction feature and practical writing Part locator.
  4. 4. the method as described in claim 1, it is characterised in that first pre-set commands are select command；
    The selection application, is specifically included：Determine whether to perform and applied corresponding to the application identities in the select command, It is then to return to apply response chosen successfully to the client, otherwise returns to application selection failure response to the client.
  5. 5. method as claimed in claim 4, it is characterised in that include Treatment Options data in the application response chosen successfully List object.
  6. 6. the method as described in claim 1, it is characterised in that first pre-set commands are offline transaction order；
    The selection application, is specifically included：Candidate list is applied in foundation, according to the application candidate list selection application, and When selection application failure application selection failure response is returned to the client.
  7. 7. method as claimed in claim 4, it is characterised in that described to return to application response chosen successfully to the client Afterwards, in addition to：Receive the dealing money that the client is sent；
    Second pre-set commands are acquisition Treatment Options order；
    The acquisition terminal data, limitation is performed according to the terminal data and checked, Treatment Options is obtained, specifically includes：According to Treatment Options data object list obtains terminal data, and performing limitation according to the terminal data checks, is obtained if inspection passes through Treatment Options are taken, is returned to the client and obtains Treatment Options success response, otherwise return to acquisition processing to the client Option failure response.
  8. 8. method as claimed in claim 5, it is characterised in that second pre-set commands are acquisition Treatment Options order；
    The acquisition terminal data, limitation is performed according to the terminal data and checked, Treatment Options is obtained, specifically includes：From institute State to obtain in Treatment Options order and obtain the terminal data, performing limitation according to the terminal data checks, passes through if checking Treatment Options are then obtained, is returned to the client and obtains Treatment Options success response, otherwise returns and obtains to the client Treatment Options failure response.
  9. 9. method as claimed in claim 7 or 8, it is characterised in that comprising described in the acquisition Treatment Options success response Treatment Options.
  10. 10. the method as described in claim 4 or 6, it is characterised in that second pre-set commands are offline transaction order；
    The acquisition terminal data, limitation is performed according to the terminal data and checked, Treatment Options is obtained, specifically includes：Obtain Dealing money in offline transaction order, terminal data is obtained according to Treatment Options data object list, according to the number of terminals Checked according to limitation is performed, Treatment Options are obtained if if checking, otherwise returned to the client and obtain Treatment Options failure Response.
  11. 11. method as claimed in claim 7 or 8, it is characterised in that the 3rd pre-set commands are offline transaction order；
    The terminal data includes authorizing the amount of money；
    The reading card record, electronic cash balances are updated, generates and preserves transaction log, specifically include：According to the place Manage option and read card record, according to the mandate amount of money renewal electronic cash balances, generate and preserve transaction log, and according to The Treatment Options and card record perform offline data authentication operation, and transaction note is returned to the client according to authentication result Record data.
  12. 12. method as claimed in claim 9, it is characterised in that the 3rd pre-set commands are read record order；
    The terminal data includes authorizing the amount of money；
    The reading card record, electronic cash balances are updated, generates and preserves transaction log, specifically include：According to the reading Corresponding card record is read in record order, judges whether the read record order is the last item read record order, is then basis The mandate amount of money renewal electronic cash balances, generate and preserve transaction log, returned to the client and include the card The read record success response of record, the read record success response for including the card record is otherwise returned to the client.
  13. 13. method as claimed in claim 10, it is characterised in that the 3rd pre-set commands are offline transaction order；
    The terminal data includes authorizing the amount of money；
    The reading card record, electronic cash balances are updated, generates and preserves transaction log, specifically include：According to the place Manage option and read card record, according to the mandate amount of money renewal electronic cash balances, generate and preserve transaction log, and according to The Treatment Options and card record perform offline data authentication operation, and transaction note is returned to the client according to authentication result Record data.
  14. 14. method as claimed in claim 11, it is characterised in that the Treatment Options include application file locator；
    The recording mechanism of the short file identification and card record of application file specifically includes where the determination card record：According to The recording mechanism of the short file identification and card record of application file where the application file locator determines card record.
  15. 15. method as claimed in claim 12, it is characterised in that the short essay part for determining card record place application file Mark and the recording mechanism of card record specifically include：Application file where obtaining card record from the read record order The recording mechanism of short file identification and card record.
  16. 16. the method as described in claim 1, it is characterised in that also include：
    Step T1, the client opens bluetooth scanning, and the visual financial IC card is selected from the equipment scanned, to described Visual financial IC card sends Bluetooth pairing request；
    Step T2, described client waits and receives the pairing mark of user's input, and generation includes the checking of the pairing mark Request, the checking request is sent to the visual financial IC card；
    Step T3, described client waits and received the Bluetooth pairing response that the visual financial IC card returns, and described visual Financial IC card establishes bluetooth connection；
    Step T4, described client obtains the dealing money of user's input, to the visual financial IC card transmitting order to lower levels.
  17. 17. method as claimed in claim 16, it is characterised in that described to include to the visual financial IC card transmitting order to lower levels： Candidate list is applied in foundation, and select command is issued to the visual financial IC card according to the application candidate list；
    First pre-set commands are the select command.
  18. 18. method as claimed in claim 17, it is characterised in that described to include to visual financial IC card transmitting order to lower levels：To institute State visual financial IC card and issue acquisition Treatment Options order；
    Second pre-set commands are the acquisition Treatment Options order.
  19. 19. method as claimed in claim 18, it is characterised in that described to issue acquisition processing choosing to the visual financial IC card Also include before item order：The client obtains terminal data according to Treatment Options data object list；
    In the acquisition Treatment Options order that the client issues to the visual financial IC card, got comprising the client Terminal data.
  20. 20. the method as described in claim 1, it is characterised in that the acquisition terminal data includes：Obtain and authorize the amount of money and obtain Electronic cash terminal is taken to support indicator；
    It is described obtain authorize the amount of money be specially：Obtained according to dealing money and authorize the amount of money；
    The acquisition electronic cash terminal supports indicator to include：
    Step a1, judge whether type of transaction is consumption, be that then execution step a2, otherwise acquisition electronic cash terminal support indicate Device is the first preset value；
    Step a2, judge whether to support electronic cash, be then to perform step a3, otherwise obtain electronic cash terminal and support indicator For the first preset value；
    Step a3, electronic cash transaction limit is judged whether, is then to perform step a4, otherwise performs step a5；
    Step a4, judge whether the mandate amount of money is less than the electronic cash transaction limit, be to obtain electronic cash terminal Support indicator is the second preset value, otherwise obtains electronic cash terminal and supports that indicator is the first preset value；
    Step a5, nil-norm is judged whether, is then to perform step a6, electronic cash terminal is otherwise obtained and supports indicator For the first preset value；
    Step a6, judge whether the mandate amount of money is less than the nil-norm, be then to obtain electronic cash terminal to support instruction Device is the second preset value, otherwise obtains electronic cash terminal and supports that indicator is the first preset value.
  21. 21. method as claimed in claim 20, it is characterised in that the acquisition terminal data also includes：Obtain transaction currency Code；
    It is described that limitation inspection is performed according to the terminal data, specifically include：
    Step b1, judge that the electronic cash terminal supports whether indicator is second preset value, be then to perform step b2, Otherwise check and do not pass through；
    Step b2, judge whether the transaction currency code is equal to application currency code, be then to perform step b3, otherwise check not Pass through；
    Step b3, judge whether the mandate amount of money is more than electronic cash balances, checked not by otherwise performing step b4；
    Step b4, judge to authorize whether the amount of money is more than electronic cash single trading limit, checked not by otherwise performing step Rapid b5；
    Step b5, judge whether credit card issuer authentification failure indicator is equal to the 3rd preset value, be then to perform step b6, otherwise check Do not pass through；
    Step b6, judge whether credit card issuer script processing failure indicator is equal to the 4th preset value, be then to perform step b7, otherwise Inspection does not pass through；
    Step b7, judge that PIN attempts whether counter is equal to the 5th preset value, checked not by otherwise checking and passing through.
  22. 22. method as claimed in claim 18, it is characterised in that described to issue acquisition processing choosing to the visual financial IC card Also include after item order：The client receives the acquisition Treatment Options success response that the visual financial IC card returns；
    It is described to include to the visual financial IC card transmitting order to lower levels：Processing in the acquisition Treatment Options success response is selected Item issues read record order to the visual financial IC card；
    3rd pre-set commands are the read record order.
  23. 23. method as claimed in claim 22, it is characterised in that according to the processing in the acquisition Treatment Options success response Option issues read record order to the visual financial IC card, specifically includes：According in the acquisition Treatment Options success response Treatment Options determine application file where card record short file identification and card record recording mechanism, to described visual Financial IC card issues the read record order comprising the short file identification and the recording mechanism.
  24. 24. method as claimed in claim 16, it is characterised in that described to include to the visual financial IC card transmitting order to lower levels： Offline transaction order is issued to the visual financial IC card；
    3rd pre-set commands are the offline transaction order.
  25. 25. method as claimed in claim 16, it is characterised in that described to include to the visual financial IC card transmitting order to lower levels： Offline transaction order is issued to the visual financial IC card；
    In the offline transaction order that the client issues to the visual financial IC card, the dealing money is included；
    Two pre-set commands are the offline transaction order, and the 3rd pre-set commands are also the offline transaction order；Or Person, first pre-set commands are the offline transaction order, and second pre-set commands are also the offline transaction order, institute State the 3rd pre-set commands and be similarly the offline transaction order.
  26. A kind of 26. visual financial IC card, it is characterised in that including：
    Receiving module, for receiving Bluetooth pairing request, checking request and the order of client transmission；
    Generation module, for when the receiving module receives Bluetooth pairing request, generation pairing to identify；
    Authentication module, for when the receiving module receives checking request, being verified to client；
    Display module, for showing the pairing mark of the generation module generation；And when authentication module checking does not pass through When, show corresponding prompt message；
    Sending module, for when the authentication module is verified, Bluetooth pairing response to be returned to client；
    Link block, for establishing bluetooth connection with client；
    The visual financial IC card also includes：
    Execution module, for when the receiving module receives the first pre-set commands, selection to be applied；For when the reception mould When block receives the second pre-set commands, terminal data is obtained, performing limitation according to terminal data checks, obtains Treatment Options；With In when the receiving module receives three pre-set commands, card record is read, electronic cash balances is updated, generates and preserve Transaction log；
    The execution module includes：Card record reading unit, the short files-designated for application file where determining card record Knowledge and the recording mechanism of card record, acquisition is corresponding with the short file identification to apply constituent instruments, and reading is described to apply base Card record corresponding with the recording mechanism in this document.
  27. 27. visual financial IC card as claimed in claim 26, it is characterised in that the execution module is specifically used for：When described When receiving module receives select command, selection application；
    The execution module specifically includes：First acquisition unit, for determining whether to perform answering in the select command Applied corresponding to mark；
    The sending module is additionally operable to：When the first acquisition unit judges to allow to perform, application selection is returned to client Success response；When the first acquisition unit judges not allowing to perform, selection failure response is returned to client.
  28. 28. visual financial IC card as claimed in claim 27, it is characterised in that the sending module is answered to what client returned With including Treatment Options data object list in response chosen successfully.
  29. 29. visual financial IC card as claimed in claim 26, it is characterised in that the execution module is specifically used for：When described When receiving module receives offline transaction order, selection application；
    The execution module specifically includes：First acquisition unit, candidate list is applied for establishing, according to the application candidate row Table selection application；
    The sending module is additionally operable to：When the first acquisition unit selects application failure, application selection is returned to client Failure response.
  30. 30. visual financial IC card as claimed in claim 27, it is characterised in that the receiving module is additionally operable to：When the hair After sending module to return to application response chosen successfully to client, the dealing money that client is sent is received；
    The execution module is specifically used for：When the receiving module, which receives, obtains Treatment Options order, terminal data is obtained, Limitation is performed according to terminal data to check, obtains Treatment Options；
    The execution module specifically includes：Second acquisition unit, for obtaining number of terminals according to Treatment Options data object list According to, according to terminal data perform limitation check, if check pass through if obtain Treatment Options；
    The sending module is additionally operable to：When the second acquisition unit inspection passes through, returned to client and obtain Treatment Options Success response；When the second acquisition unit check not by when, to client return obtain Treatment Options failure response.
  31. 31. visual financial IC card as claimed in claim 28, it is characterised in that the execution module is specifically used for：When described When receiving module receives acquisition Treatment Options order, terminal data is obtained, performing limitation according to terminal data checks, at acquisition Manage option；
    The execution module specifically includes：Second acquisition unit, for obtaining terminal data, root from acquisition Treatment Options order Limitation is performed according to terminal data to check, Treatment Options are obtained if if checking；
    The sending module is additionally operable to：When the second acquisition unit inspection passes through, returned to client and obtain Treatment Options Success response；When the second acquisition unit check not by when, to client return obtain Treatment Options failure response.
  32. 32. the visual financial IC card as described in claim 30 or 31, it is characterised in that the sending module returns to client Acquisition Treatment Options success response in include Treatment Options.
  33. 33. the visual financial IC card as described in claim 27 or 29, it is characterised in that the execution module is specifically used for：When When the receiving module receives offline transaction order, terminal data is obtained, performing limitation according to terminal data checks, at acquisition Manage option；
    The execution module specifically includes：Second acquisition unit, for obtaining the dealing money in offline transaction order, according to place Option data list object acquisition terminal data is managed, performing limitation according to terminal data is checked, acquisition is handled if if checking Option；
    The sending module is additionally operable to：When the second acquisition unit check not by when, to client return obtain processing choosing Item failure response.
  34. 34. the visual financial IC card as described in claim 30 or 31, it is characterised in that the execution module is specifically used for：When When the receiving module receives offline transaction order, card record is read, electronic cash balances is updated, generates and preserve transaction Daily record；
    The execution module specifically includes：3rd acquiring unit, it is golden according to authorizing for reading card record according to Treatment Options Volume updates electronic cash balances, generates and preserves transaction log, and performs offline data according to Treatment Options and card record and recognize Card operation；
    The sending module is additionally operable to：Transaction record number is returned to client according to the authentication result of the 3rd acquiring unit According to.
  35. 35. visual financial IC card as claimed in claim 32, it is characterised in that the execution module is specifically used for：When described When receiving module receives read record order, card record is read, electronic cash balances is updated, generates and preserve transaction log；
    The execution module specifically includes：3rd acquiring unit, for the read record order received according to the receiving module Corresponding card record is read, judges whether the read record order is the last item read record order, is then according to the mandate amount of money Electronic cash balances are updated, generates and preserves transaction log；
    The sending module is additionally operable to：The reading that the card record read comprising the 3rd acquiring unit is returned to client is remembered Record success response.
  36. 36. visual financial IC card as claimed in claim 33, it is characterised in that the execution module is specifically used for：When described When receiving module receives offline transaction order, card record is read, electronic cash balances is updated, generates and preserve the day of trade Will；
    The execution module specifically includes：3rd acquiring unit, it is golden according to authorizing for reading card record according to Treatment Options Volume updates electronic cash balances, generates and preserves transaction log, and performs data authentication behaviour according to Treatment Options and card record Make；
    The sending module is additionally operable to：Transaction record number is returned to client according to the authentication result of the 3rd acquiring unit According to.
  37. 37. visual financial IC card as claimed in claim 34, it is characterised in that the card record reading unit is specifically used In：The record of the short file identification and card record of application file according to where application file locator determines card record Number, obtain it is corresponding with the short file identification applies constituent instruments, reading is described apply in constituent instruments with the recording mechanism Corresponding card record.
  38. 38. visual financial IC card as claimed in claim 35, it is characterised in that the card record reading unit is specifically used In：The recording mechanism of the short file identification and card record of application file, is obtained where obtaining card record from read record order Take it is corresponding with the short file identification apply constituent instruments, read corresponding with the recording mechanism in the application constituent instruments Card record.
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