CN107230075B - Multi-application smart card transaction method and system - Google Patents

Multi-application smart card transaction method and system Download PDF

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CN107230075B
CN107230075B CN201611101885.XA CN201611101885A CN107230075B CN 107230075 B CN107230075 B CN 107230075B CN 201611101885 A CN201611101885 A CN 201611101885A CN 107230075 B CN107230075 B CN 107230075B
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application
smart card
terminal
transaction
identification information
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CN107230075A (en
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李东声
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Tendyron Corp
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Tendyron Corp
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/356—Aspects of software for card payments
    • 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
    • G06Q20/3574—Multiple applications on card
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

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Abstract

The invention discloses a multi-application smart card transaction method and a system, wherein the method comprises the following steps: the multi-application intelligent card receives a first application activation instruction input by a user through a key and activates a first application; the multi-application intelligent card receives a card searching instruction input through the wireless communication interface and establishes communication connection with the first terminal; the method comprises the steps that a first terminal sends an application acquisition instruction to a multi-application smart card; after receiving an application acquisition instruction input through wireless communication, the multi-application intelligent card returns an application acquisition response carrying identification information of the application in the current activation state to the first terminal; a first terminal initiates a transaction request aiming at an application in an active state to a multi-application smart card, wherein the transaction request at least comprises transaction information; the multi-application intelligent card receives a transaction request received and input through wireless communication, prompts transaction information, and sends a transaction confirmation response to the first terminal after confirming that the transaction information is correct; the first terminal performs subsequent transaction operations.

Description

Multi-application smart card transaction method and system
Technical Field
The invention relates to the technical field of electronics, in particular to a multi-application smart card transaction method and a multi-application smart card transaction system.
Background
In the existing smart card, a plurality of application programs can be downloaded and installed to realize different functions on one card, and the smart card can be called a multi-application smart card. However, in the prior art, the multi-application smart card needs to be assisted by a card reader to complete the selection of the application: the multi-application smart card needs to send an application list consisting of all applications in the card to a card reader; the card reader receives the application list, displays all applications in the application list on a screen, completes application selection by a user, and notifies the multi-application card reader of the applications selected by the user. The application selection of the existing multi-application smart card needs to be carried out by an external card reader, which brings inconvenience to users, and the multi-application smart card and the card reader need to interact for many times to complete the application selection, thereby increasing the complexity of a transaction flow and reducing the efficiency of transaction operation.
Disclosure of Invention
The present invention is directed to solving one of the problems set forth above.
The invention mainly aims to provide a multi-application smart card transaction method;
it is another object of the present invention to provide a multi-application smart card transaction system.
In order to achieve the purpose, the technical scheme of the invention is realized as follows:
the invention provides a multi-application smart card transaction method, which comprises the following steps: the method comprises the steps that a multi-application smart card receives a first application activation instruction input by a user through a key of the multi-application smart card, the first application activation instruction at least comprises indication information for activating a first application, and the first application is activated; after receiving a card searching command input by the first terminal through a wireless communication interface of the multi-application intelligent card, the multi-application intelligent card returns a card searching response to the first terminal and establishes communication connection with the first terminal; after receiving the input card searching response through the wireless communication, the first terminal sends an application acquisition instruction to the multi-application smart card; the multi-application smart card receives the application acquisition instruction and returns an application acquisition response to the first terminal, wherein the application acquisition response at least carries identification information of the application in the current activation state; the first terminal receives the application acquisition response, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state, wherein the transaction request at least comprises transaction information; the multi-application intelligent card prompts transaction information after receiving the transaction request input through the wireless communication, and sends a transaction confirmation response to the first terminal after receiving a transaction confirmation instruction for confirming that the transaction information is correct; and after receiving the transaction confirmation response, the first terminal carries out subsequent transaction operation.
Optionally, the initiating, by the first terminal, a transaction request for the application currently in the active state to the multi-application smart card according to the identification information of the application currently in the active state includes: the first terminal acquires the identification information of the application in the current activation state from the application acquisition response, judges whether the application in the current activation state is the application supported by the first terminal according to the identification information of the application in the current activation state, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state if the application in the current activation state is the application supported by the first terminal.
Optionally, after the multi-application smart card activates the first application, before returning the application acquisition response to the first terminal, the method further includes: the multi-application smart card receives a second application activation instruction input by a user through a key of the multi-application smart card, wherein the second application activation instruction at least comprises indication information for activating a second application; the first application is deactivated and the second application is activated.
Optionally, the transaction request at least carries identification information of an application currently in an activated state; after the multi-application smart card receives the transaction request, before sending a transaction confirmation response to the first terminal, the method further comprises: and judging whether the identification information of the application in the activated state currently carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card, if so, executing the operation of sending a transaction confirmation response to the first terminal.
Optionally, the method further comprises: the multi-application smart card sends an application downloading request for downloading the third application to the second terminal; the second terminal receives the application downloading request and sends the application downloading request to the server; the server responds to the application downloading request and sends application loading information corresponding to the third application to the second terminal; the second terminal receives the application loading information and sends the application loading information to the multi-application smart card; and the multi-application intelligent card receives the application loading information and loads the third application.
In another aspect, the present invention provides a multi-application smart card transaction system, including: the system comprises a multi-application smart card and a first terminal; the multi-application smart card is used for receiving a first application activation instruction input by a user through a key of the multi-application smart card, wherein the first application activation instruction at least comprises indication information for activating a first application, and the first application is activated; the multi-application intelligent card is also used for returning a card searching response to the first terminal after receiving a card searching command input by the first terminal through the wireless communication interface of the multi-application intelligent card and establishing communication connection with the first terminal; the first terminal is used for receiving the card searching response and sending an application acquisition instruction to the multi-application smart card; the multi-application smart card is also used for receiving an application acquisition instruction received and input through the wireless communication and returning an application acquisition response to the first terminal, wherein the application acquisition response at least carries identification information of the application in the current activation state; the first terminal is further used for receiving the application acquisition response and initiating a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state, wherein the transaction request at least comprises transaction information; the multi-application smart card is also used for receiving the transaction request received and input through the wireless communication, prompting the transaction information, and sending a transaction confirmation response to the first terminal after receiving a transaction confirmation instruction for confirming the correctness of the transaction information; and the first terminal is also used for carrying out subsequent transaction operation after receiving the transaction confirmation response.
Optionally, the first terminal is further configured to initiate a transaction request for the application currently in the active state to the multi-application smart card according to the identification information of the application currently in the active state, where the transaction request includes: the first terminal is further configured to obtain the identification information of the application currently in the activated state from the application obtaining response, judge whether the application currently in the activated state is an application supported by the first terminal according to the identification information of the application currently in the activated state, and if so, initiate a transaction request for the application currently in the activated state to the multi-application smart card according to the identification information of the application currently in the activated state.
Optionally, the multi-application smart card is further configured to receive, after the first application is activated and before an application acquisition response is returned to the first terminal, a second application activation instruction input by a user through a key of the multi-application smart card, where the second application activation instruction at least includes instruction information for activating the second application; the first application is deactivated and the second application is activated.
Optionally, the transaction request at least carries identification information of an application currently in an activated state; and the multi-application smart card is further used for judging whether the identification information of the application in the activated state carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card or not after the transaction request is received and before the transaction confirmation response is sent to the first terminal, and if so, executing the operation of sending the transaction confirmation response to the first terminal.
Optionally, the system further comprises: a second terminal and a server; the multi-application smart card is also used for sending an application downloading request for downloading the third application to the second terminal; the second terminal is used for receiving the application downloading request and sending the application downloading request to the server; the server is used for responding to the application downloading request and sending the application loading information corresponding to the third application to the second terminal; the second terminal is also used for receiving the application loading information and sending the application loading information to the multi-application smart card; the multi-application smart card is also used for receiving application loading information and loading a third application.
According to the technical scheme provided by the invention, the multi-application intelligent card transaction method can realize the selection and activation of the application without an external first terminal, establishes communication connection with the first terminal through the card searching process, and carries out transaction with the first terminal based on the activated application, thereby reducing the complexity of the transaction process and improving the efficiency of transaction operation.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on the drawings without creative efforts.
Fig. 1 is a flowchart of a multi-application smart card transaction method according to embodiment 1 of the present invention;
fig. 2 is a schematic structural diagram of a multi-application smart card transaction system according to embodiment 2 of the present invention;
fig. 3 is another schematic structural diagram of the multi-application smart card transaction system provided in this embodiment 2.
Detailed Description
The technical solutions in the embodiments of the present invention are clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
In the description of the present invention, it is to be understood that the terms "center", "longitudinal", "lateral", "up", "down", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inner", "outer", and the like, indicate orientations or positional relationships based on those shown in the drawings, and are used only for convenience in describing the present invention and for simplicity in description, and do not indicate or imply that the referenced devices or elements must have a particular orientation, be constructed and operated in a particular orientation, and thus, are not to be construed as limiting the present invention. Furthermore, the terms "first," "second," and the like are used for descriptive purposes only and are not to be construed as indicating or implying a relative importance or quantity or location.
In the description of the present invention, it should be noted that, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.
Embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.
Example 1
As shown in fig. 1, the multi-application smart card transaction method provided in this embodiment includes the following steps (S101-S107):
s101, the multi-application smart card receives a first application activation instruction input by a user through a key of the multi-application smart card, the first application activation instruction at least comprises indication information for activating the first application, and the first application is activated.
In this embodiment, the multi-application smart card receives an operation instruction, and may determine whether the operation instruction is input by a key or by a wireless communication interface, and after determining that the operation instruction is input by the key, if the operation instruction is obtained by parsing and carries indication information for activating a first application, the operation instruction may be identified as a first application activation instruction that is input by a user through the key of the multi-application smart card, where the first application is an application currently selected by the user.
In this embodiment, the multi-application smart card refers to a smart card that can realize a plurality of different functions by downloading and installing applications. For example, applications for implementing financial, social security, and public transportation functions may be installed in the multi-application smart card, so that the multi-application smart card may be used as a financial card, a social security card, and a public transportation card, and an application program for implementing other functions may also be installed in the multi-application smart card, so that the multi-application smart card may be used as a card for implementing other functions, and in this embodiment, the functions of the applications in the multi-application smart card are not specifically limited. In the present embodiment, the type of the multi-application smart card may be a java smart card, an IC card, a CPU card, and the like, and is not particularly limited in the present embodiment.
In an actual use process, the multi-application smart card may be powered off after the multi-application smart card is used, so as to save electric power of the smart card, and when the multi-application smart card needs to be used again, the multi-application smart card needs to be powered on first, so that as an optional implementation manner of the embodiment of the present invention, before step S101, the multi-application smart card transaction method provided in this embodiment may further include the following steps: s100, the multi-application smart card receives a starting instruction, is electrified to complete initialization of the system, and activates system applications or default applications or applications activated last before the last shutdown. By the optional implementation mode, the multi-application smart card is ensured to have one application in an activated state after power-on initialization.
In the specific implementation process, if the starting is the first starting after the multi-application smart card is issued, only system applications are installed in the multi-application smart card at the moment, and the multi-application smart card can only be activated after the system initialization is completed by electrifying the multi-application smart card, wherein the system applications are the applications installed in the multi-application smart card and used for achieving functions of downloading, managing and the like of application programs. The default application refers to an application which is in an activated state by default after the multi-application smart card is started, and a user can set the most common application as the default application, so that the most common application is in the activated state after the multi-application smart card is started, and the application selection times of the user in the process of using the multi-application smart card are reduced. In the specific implementation process, the user may set, according to needs, what application of the system application or the default application is activated after power-on initialization or the application activated last before the last shutdown.
In a specific implementation process, if before the multi-application smart card receives the first application activation instruction, the multi-application smart card is in a default application activation state or a system application activation state or an application activation state that was activated last time before the multi-application smart card was turned off, after the first application activation instruction is identified as an application selection instruction (that is, the instruction includes instruction information for activating the first application), before the first application is activated, the method provided in this embodiment may further include: and deactivating the default application or the system application or the application which is activated last before the last shutdown. Deactivation refers to transitioning an application from an active state to an inactive state. The first application selected by the user is activated after the application in the activated state is deactivated, so that the failure or error of the multi-application smart card response caused by the fact that different applications are in the activated state at the same time is avoided.
In order to prevent the multi-application smart card from being used by an illegal user, in step S100, as an optional implementation manner of the embodiment of the present invention, after the multi-application smart card receives the power-on instruction, before the power-on completes the initialization of the system, the identity authentication of the user may be performed. In a specific implementation process, after the multi-application smart card receives a startup instruction, an identity authentication interface can be displayed firstly to prompt a user to perform identity authentication, and only when the identity authentication of the user passes, the multi-application smart card can be electrified to complete the initialization of the system, so that the multi-application smart card is prevented from being used by an illegal user and causing the loss of the user. The specific way of identity authentication of the multi-application smart card may be to verify whether the PIN code input by the user is correct or whether the biometric information (e.g., fingerprint, pulse, etc.) of the user is matched. And if the input PIN code is correct or the biometric information is matched, the identity authentication is passed, otherwise, the identity authentication is not passed.
In this embodiment, the first application may be at least one application of a plurality of applications installed in the multi-application smart card, for example, 4 applications of a bus card application, an identity card application, a bank card application, and an access card application are installed in the multi-application smart card, and the first application activation instruction may include instruction information for activating the bus card application so as to activate the bus card application. Therefore, the multi-application smart card can be instructed to activate the application indicated by the identification information by carrying the identification information of the first application to be activated in the first application activation instruction.
In a specific implementation process, when the multi-application smart card provided in this embodiment is a Java smart card, a Java Virtual Machine (JVM) may determine through which interface a received operation instruction is received, and identify what instruction is, for example, may identify that the operation instruction is received from an input interface of a key of the smart card or from a wireless communication interface, where this embodiment at least includes the input interface of the key and the wireless communication interface, and when the multi-application smart card detects that the operation instruction is input from the key, the multi-application smart card may identify that the operation instruction is a first application activation instruction (and a second application activation instruction and a third application activation instruction that are mentioned below, that is, an operation instruction that is input by the key and is used for activating a corresponding application). In this embodiment, the wireless Communication interface of the multi-application smart card may be a WIFI interface, a bluetooth interface, a Near Field Communication (NFC) interface, and the like, which is not specifically limited in this embodiment.
In step S101, after activating the first application, as an optional implementation manner of the embodiment of the present invention, the method provided in this embodiment may further include: the method comprises the steps of displaying an application list of the multi-application smart card on a display screen, wherein the application list comprises one or more application entries installed on the multi-application smart card, the content of each entry comprises application description information such as an application identifier, an application name, an application state and the like, and displaying the entry of a first application selected by a current user and the entry of an unselected application in a distinguishing manner (for example, thickening or shading the entry of the first application selected by the user and the like), so that the user can know the information of which application is the activated first application and the application state and the like.
And S102, after receiving a card searching command input by the first terminal through the wireless communication interface of the multi-application intelligent card, the multi-application intelligent card returns a card searching response to the first terminal and establishes communication connection with the first terminal.
In step S102, the first terminal may be a device (e.g., a card reader) having a card reading function for reading a multi-application smart card. The first terminal broadcasts a card searching command so as to search for card entrance, and after the multi-application smart card enters the electromagnetic field of the first terminal, the card searching command of the first terminal can be received, and a card searching response is returned to the first terminal so as to establish communication connection with the first terminal. The multi-application smart card receives an operation instruction, and when detecting that the operation instruction is received from the wireless communication interface, the multi-application smart card can determine that the operation instruction is not a first application activation instruction (an instruction input by a key), but is sent from a first terminal, namely a card reader, and identify the type of the operation instruction (for example, a card searching instruction, an application acquisition instruction in subsequent steps, and a transaction request) according to instruction description information such as identification information, the format of the operation instruction, the length of the operation instruction and the like carried in the operation instruction. Therefore, when the instruction description information of the operation instruction is the description information of the card searching instruction, the operation instruction can be identified as the card searching instruction input by the first terminal through the wireless communication interface of the multi-application smart card. In a specific implementation process, under the condition that a first terminal is a terminal supporting NFC communication, the first terminal searches for a multi-application smart card supporting NFC communication and located in an electromagnetic field of the first terminal by sending a card searching command, if a wireless communication interface of the multi-application smart card supports NFC communication, the multi-application smart card can receive the card searching command sent by the first terminal, and then the multi-application smart card returns a card searching response to the first terminal to indicate that the first terminal has a smart card capable of supporting NFC communication in the electromagnetic field of the first terminal and establish wireless communication connection with the first terminal, and if the wireless communication interface of the multi-application smart card does not support NFC communication, the card searching response is not returned to the first terminal. Under the condition that the first terminal is a terminal supporting WIFI or bluetooth communication, the card searching process may refer to the card searching process in the above example, which is not described in detail herein.
In this embodiment, the execution sequence of step S101 and step S102 is not sequential. In a specific implementation process, the step S101 may be executed first, and then the step S102 is executed, that is, the application selection is completed on the multi-application smart card first, and after the multi-application smart card activates the first application, the multi-application smart card enters the magnetic field of the first terminal, and the first terminal performs the card searching operation to establish the communication connection with the multi-application smart card; step S102 may be executed first, and then step S101 is executed, that is, the multi-application smart card enters the magnetic field of the first terminal first, and after the first terminal performs the card-searching operation and establishes the communication connection with the multi-application smart card, the application selection is completed on the multi-application smart card.
By this point, the multi-application smart card has completed the activation of the application prior to the transaction-related communication interaction with the first terminal, so that after the first terminal sends the application acquisition instruction to the multi-application smart card, the multi-application smart card can directly return the relevant information of the currently activated application to the first terminal, namely, the first terminal can complete the application selection by one-time interaction, and the multi-application smart card does not need to be used after receiving the application acquisition instruction of the first terminal, returning information of all applications of the multi-application smart card to the first terminal, prompting the user to operate the selected application on the first terminal, returning the application selected by the user to the multi-application smart card by the first terminal, instructing the multi-application smart card to activate the application selected by the user, namely, the multi-application smart card and the first terminal need to interact for multiple times to complete application selection. Therefore, the method provided by the embodiment can reduce the interaction times of the multi-application smart card and the first terminal, shorten the transaction process and improve the efficiency of transaction operation.
And S103, the first terminal receives the card searching response and sends an application acquisition instruction to the multi-application smart card.
In this embodiment, the application obtaining instruction is used to instruct the multi-application smart card to return the identification information of the application currently in the active state to the first terminal.
And S104, after receiving the input application acquisition instruction through wireless communication, the multi-application intelligent card returns an application acquisition response to the first terminal, wherein the application acquisition response at least carries the identification information of the application in the activated state.
Similar to the identification of the operation instruction in step S102, in this step, the operation instruction received through wireless communication can be identified as an application acquisition instruction from the instruction description information of the operation instruction. And after receiving the application acquisition instruction, the multi-application smart card returns an application acquisition response to the first terminal, wherein the application acquisition response at least carries the identification information of the application currently in the activated state, so that the first terminal can acquire the identification information of the application currently in the activated state in the multi-application smart card and initiate a transaction process for the application currently in the activated state to the multi-application smart card.
In this embodiment, in the process of performing a transaction using a multi-application smart card, for example, a user activates a first application of the multi-application smart card (for example, building a bank application), and after the multi-application smart card is brought close to a card reader such as a POS, the user temporarily does not want to use the first application, and switches to a second application (another application other than the first application, such as an industrial banking application), as an optional implementation manner of the embodiment of the present invention, after the multi-application smart card activates the first application, before returning an application acquisition response to the first terminal, the method provided in this embodiment may further include: and after recognizing that the second application activation instruction is the instruction input by the user through the key, the multi-application smart card deactivates the first application and activates the second application. Through the optional implementation mode, switching between different applications can be achieved on the multi-application smart card, and mutual interference caused by simultaneous activation of different applications is avoided.
In this embodiment, the second application may be at least one of a plurality of applications installed in the multi-application smart card, and the second application may be an application different from the first application, for example, the second application activation instruction may include instruction information to activate the identification card application so as to activate the identification card application. Thus, the multi-application smart card can be instructed to activate the second application by carrying the identification information of the second application to be activated in the second application activation instruction. In order to avoid mutual interference between different applications, only one application in the multi-application smart card can be in an activated state at the same time, and therefore, after the multi-application smart card recognizes that the second application activation instruction is an instruction input by a user through a key, the multi-application smart card needs to deactivate the first application in the activated state and then activate the second application.
And S105, the first terminal receives the application acquisition response, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state, wherein the transaction request at least comprises transaction information.
In this embodiment, the transaction information may include: the transaction type, transaction amount, payer account information, payee account information, etc. are not specifically limited in this embodiment.
As an optional implementation manner of the embodiment of the present invention, the initiating, by the first terminal, a transaction request for the application currently in the active state to the multi-application smart card according to the identification information of the application currently in the active state includes: the first terminal acquires the identification information of the application in the current activation state from the application acquisition response, judges whether the application in the current activation state is the application supported by the first terminal according to the identification information of the application in the current activation state, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state if the application in the current activation state is the application supported by the first terminal. The first terminal determines whether to perform transaction or not by judging whether the application currently in an activated state in the multi-application smart card is the application supported by the first terminal, and performs transaction only under the condition of support, and if not, the subsequent transaction process is not executed (namely, the steps S106-S107 are not executed), so that the unsupported transaction can be terminated in time, the subsequent interactive operation of the first terminal and the multi-application smart card is saved, and the resource overhead of the first terminal and the multi-application smart card is saved.
And S106, the multi-application intelligent card receives the transaction request, prompts the transaction information, and sends a transaction confirmation response to the first terminal after receiving a transaction confirmation instruction for confirming that the transaction information is correct.
Similar to the identification of the operation instruction in step S102, in this step, the operation instruction received through the wireless communication can be identified as the transaction request according to the instruction description information of the operation instruction. In this step, after the multi-application smart card receives the transaction request, the transaction information can be prompted in a display screen display mode or a voice broadcast mode, and after the user confirms that the transaction information is correct, a transaction confirmation instruction can be input through a key, and the transaction information is confirmed, so that the transaction safety of the user is guaranteed. Specifically, after the multi-application smart card prompts transaction information, whether a key is pressed down is detected, if yes, a key value of the pressed key is identified, whether the key value is a transaction confirmation instruction is determined according to the obtained key value, and if yes, the transaction confirmation instruction input by the user is received. In addition, in order to further improve the security of the transaction and prevent the loss of the multi-application smart card after the multi-application smart card is started, the specific mode of inputting the transaction confirmation instruction can also be that the user inputs a transaction PIN code or provides a fingerprint of the user to the multi-application smart card, and the multi-application smart card can only send a transaction confirmation response to the first terminal after the authentication of the transaction PIN code or the fingerprint of the user input by the user is passed and shows that the identity of the user inputting the transaction confirmation instruction is legal.
And S107, after receiving the transaction confirmation response, the first terminal performs subsequent transaction operation.
In this embodiment, the transaction confirmation response may include at least the relevant information for confirming the transaction information. After the first terminal receives the transaction confirmation response, the subsequent transaction operation may include: the first terminal recombines the transaction information and sends the transaction information to the background server, the background server completes transaction according to the transaction information and sends a transaction result to the first terminal, and the first terminal sends the transaction result to the multi-application smart card.
According to the multi-application smart card transaction method provided by the embodiment, the multi-application smart card can realize the selection and activation of the application without an external first terminal, the communication connection is established with the first terminal through the card searching process, and the transaction is carried out with the first terminal based on the activated application, so that the complexity of the transaction process is reduced, and the efficiency of transaction operation is improved.
In this embodiment, if a hacker attacks the smart card, forges a transaction request and sends the transaction request to the smart card, the smart card will respond to the transaction request and complete the transaction, so as to prevent the transaction of illegal application, as an optional implementation manner of the embodiment of the present invention, the transaction request at least carries the identification information of the application currently in an activated state; after the multi-application smart card receives the transaction request and before the transaction confirmation response is sent to the first terminal, the method provided by this embodiment further includes: and judging whether the identification information of the application in the activated state currently carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card, if so, executing the operation of sending a transaction confirmation response to the first terminal. By judging whether the identification information of the application which is currently in the activated state and carried in the transaction request is matched with the identification information of the application which is currently activated by the multi-application smart card, whether the application which initiates the transaction request in the multi-application smart card is the same as the application which executes the transaction currently can be judged, so that a hacker is prevented from forging the application-activated identification and attacking the smart card, the transaction of illegal application is prevented, and the account security of a user is protected.
In this optional embodiment, if the identification information of the application currently in the activated state carried in the transaction request is not matched with the identification information of the application currently activated by the multi-application smart card, the transaction may be terminated, the multi-application smart card may further return a transaction failure response to the first terminal, and the first terminal stops subsequent transaction operations after receiving the transaction stop response.
As an optional implementation manner of the embodiment of the present invention, in any step of the multi-application smart card transaction method provided in this embodiment, the downloading and installation of the application program may be performed, where the downloading and installation of the application program includes: the multi-application smart card sends an application downloading request for downloading the third application to the second terminal; the second terminal receives the application downloading request and sends the application downloading request to the server; the server responds to the application downloading request and sends application loading information corresponding to the third application to the second terminal; the second terminal receives the application loading information and sends the application loading information to the multi-application smart card; and the multi-application intelligent card receives the application loading information and loads the third application. Through the optional implementation mode, the application downloading and installation of the multi-application smart card are realized.
In this alternative embodiment, the second terminal may be a different terminal from the first terminal, or may be the same terminal as the first terminal. Specifically, the second terminal may be a mobile terminal, a PC, a tablet computer, a transaction terminal, or the like. The application download request may include at least identification information of a third application requested to be downloaded by the multi-application smart card. After receiving the application download request forwarded by the second terminal, the server may respond to the application download request and send application loading information corresponding to the application download request to the second terminal, where the application loading information may include an application program code.
Taking a multi-application smart card as an example, the multi-application smart card is a java card, and the application downloading and installing process is as follows, after receiving an application downloading request, a server acquires java codes of applications according to identification information of the applications, requested to be downloaded, of the multi-application smart card, carried in the application downloading request, converts the java codes into class files, further converts the class files into cap files, and sends the cap files to a second terminal, the second terminal converts the cap files into Application Protocol Data Unit (APDU) files, and forwards the APDU files to the multi-application smart card, and the multi-application smart card installs the applications according to the APDU files.
In this embodiment, in the process of performing a transaction using a multi-application smart card, for example, after a user activates a first application (such as a construction banking application) of the multi-application smart card to complete a first transaction (including steps S101 to S107) on a POS machine, a second transaction needs to be performed for a fourth application (other than the first application, such as an agricultural banking application) in an activated state, and for this case, as an optional implementation manner of the embodiment of the present invention, after a subsequent transaction operation of the first transaction is completed by a first terminal, the method provided in this embodiment may further include: the multi-application smart card receives a third application activation instruction input by a user through a key of the multi-application smart card, the third application activation instruction at least comprises indication information for activating a fourth application, and the multi-application smart card deactivates the application currently in an activated state and activates the fourth application; the method comprises the steps that a first terminal sends an application acquisition instruction to a multi-application smart card; the multi-application intelligent card receives an application acquisition instruction received and input through wireless communication, and returns an application acquisition response to the first terminal, wherein the application acquisition response at least carries identification information of an application in an activated state at present; the first terminal receives the application acquisition response, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state, wherein the transaction request at least comprises transaction information; the multi-application intelligent card receives a transaction request received and input through wireless communication, prompts transaction information, and sends a transaction confirmation response to the first terminal after receiving a transaction confirmation instruction for confirming that the transaction information is correct; and after receiving the transaction confirmation response, the first terminal carries out subsequent transaction operation. With this alternative embodiment, the application switch may be performed after the first transaction is completed, and the second transaction may be completed based on the fourth application activated after the switch. The detailed process of the multi-application smart card for performing the second transaction may refer to the process of the multi-application smart card for performing the first transaction, which is not described herein again.
Example 2
The present embodiment provides a multi-application smart card transaction system, as shown in fig. 2, the transaction system includes: a multi-application smart card 21 and a first terminal 22.
The multi-application smart card 21 is used for receiving a first application activation instruction input by a user through a key of the multi-application smart card, wherein the first application activation instruction at least comprises indication information for activating a first application, and the first application is activated; the multi-application smart card 21 is further configured to receive a card searching instruction input by the first terminal through the wireless communication interface of the multi-application smart card, return a card searching response to the first terminal 22, and establish a communication connection with the first terminal 22; the first terminal 22 is used for receiving the card searching response and sending an application acquisition instruction to the multi-application smart card 21; the multi-application smart card 21 is further configured to receive an application acquisition instruction received and input through wireless communication, and return an application acquisition response to the first terminal 22, where the application acquisition response at least carries identification information of an application currently in an activated state; the first terminal 22 is further configured to receive an application obtaining response, and initiate a transaction request for the application currently in the active state to the multi-application smart card 21 according to the identification information of the application currently in the active state, where the transaction request at least includes transaction information; the multi-application smart card 21 is further configured to receive a transaction request received and input through wireless communication, prompt transaction information, and send a transaction confirmation response to the first terminal 22 after receiving a transaction confirmation instruction for confirming that the transaction information is correct; the first terminal 22 is further configured to perform subsequent transaction operations after receiving the transaction confirmation response.
Through the multi-application smart card transaction system provided by the embodiment, the multi-application smart card 21 can realize the selection and activation of the application without the help of the external first terminal 22, establishes communication connection with the first terminal 22 through the card searching process, and performs transaction with the first terminal 22 based on the activated application, thereby reducing the complexity of the transaction and improving the efficiency of the transaction operation.
In this embodiment, the multi-application smart card receives an operation instruction, and may determine whether the operation instruction is input by a key or by the wireless communication interface, and after determining that the operation instruction is input by the key, if the operation instruction is obtained by parsing and carries indication information for activating a first application, the operation instruction may be identified as a first application activation instruction that is input by a user through the key of the multi-application smart card, where the first application is an application currently selected by the user.
The multi-application smart card 21 is a smart card that can realize various functions by downloading and installing applications. The first application may be at least one application of a plurality of applications installed in the multi-application smart card 21, for example, 4 applications of a bus card application, an identification card application, a bank card application and an access card application are installed in the multi-application smart card 21, and the first application activation instruction may include instruction information for activating the bus card application so as to activate the bus card application. Thus, the multi-application smart card 21 may be instructed to activate the application indicated by the identification information by carrying the identification information of the first application to be activated in the first application activation instruction. In a specific implementation process, when the multi-application smart card 21 provided in this embodiment is a Java smart card, a Java Virtual Machine (JVM) may identify through which interface a received operation instruction is received, and identify what kind of instruction the operation instruction is received, for example, may identify that the operation instruction is received from an input interface of a key of the multi-application smart card 21 or from a wireless communication interface, where the multi-application smart card 21 in this embodiment includes at least an input interface of the key and a wireless communication interface, and when the multi-application smart card 21 detects that the operation instruction is input from the key, the instruction may be identified as a first application activation instruction (and a second application activation instruction and a third application activation instruction mentioned below, that is, an instruction for activating a corresponding application that is input from the key). In this embodiment, the wireless Communication interface of the multi-application smart card 21 may be a WIFI interface, a bluetooth interface, a Near Field Communication (NFC) interface, and the like, which is not specifically limited in this embodiment.
In the actual use process, the multi-application smart card 21 may be powered off after the use is completed to save the power, and when the multi-application smart card 21 is used again, the multi-application smart card 21 needs to be powered on first to be used. By the optional implementation mode, the multi-application smart card 21 can be ensured to have one application in an activated state after power-on initialization.
In a specific implementation process, if the starting is the first starting after the multi-application smart card 21 issues the card, only the system application is installed in the multi-application smart card 21 at this time, and the multi-application smart card 21 is used for activating the system application after the system initialization is completed by powering on, wherein the system application is the application installed in the multi-application smart card 21 and used for realizing functions of downloading, managing and the like of the application program. The default application refers to an application which is in an activated state by default after the multi-application smart card 21 is started, and a user can set the most common application as the default application, so that the most common application is in the activated state after the multi-application smart card 21 is started, and the frequency of application selection performed by the user in the process of using the multi-application smart card 21 is reduced. In the specific implementation process, the user may set, according to needs, what application of the system application or the default application is activated after power-on initialization or the application activated last before the last shutdown.
In a specific implementation process, if the multi-application smart card 21 is in the default application activation state or the system application activation state or the application activation state that was activated last before the multi-application smart card 21 receives the first application activation instruction, the multi-application smart card 21 is further configured to deactivate the default application or the system application or the application that was activated last before the multi-application smart card was turned off last after recognizing that the first application activation instruction is the application selection instruction (i.e., the instruction includes the instruction information for activating the first application), before activating the first application. Deactivation refers to transitioning an application from an active state to an inactive state. And after the application in the current activation state is deactivated, the first application selected by the user is activated, so that the failure or error of the multi-application smart card 21 in response caused by the simultaneous activation of a plurality of different applications is avoided.
In order to prevent the multi-application smart card 21 from being used by an illegal user, as an optional implementation manner of the embodiment of the present invention, the multi-application smart card 21 is further configured to perform identity authentication on the user before the power-on completes initialization of the system after receiving the power-on instruction. In a specific implementation process, after receiving the power-on instruction, the multi-application smart card 21 may be configured to display an identity authentication interface to prompt the user to perform identity authentication, and only when the identity authentication of the user passes, the multi-application smart card 21 may be powered on to complete initialization of the system, so as to prevent the multi-application smart card 21 from being used by an illegal user and causing user loss. The specific way in which the multi-application smart card 21 is used for identity authentication may be to verify that the PIN code entered by the user is correct, or to verify that the biometric information (e.g., fingerprint, pulse, etc.) of the user matches. And if the input PIN code is correct or the biometric information is matched, the identity authentication is passed, otherwise, the identity authentication is not passed.
As an optional implementation manner of the embodiment of the present invention, the multi-application smart card 21 is further configured to display, on the display screen, an application list of the multi-application smart card 21 after the first application is activated, where the application list includes entries of one or more applications installed in the multi-application smart card 21, and the contents of the entries include application description information such as an application identifier, an application name, and an application state, and display the entry of the first application selected by the current user and the entries of the unselected applications in a differentiated manner (for example, the entry of the first application selected by the user is bold or shaded), so that the user can know what application the activated first application is and information such as the application state.
In the present embodiment, the first terminal 22 may be a device (e.g., a card reader) having a card reading function for reading the multi-application smart card 21. The first terminal 22 may be configured to broadcast a card-searching command (i.e., a second command) to search for card entry, and after the multi-application smart card 21 enters the electromagnetic field of the first terminal 22, may receive the card-searching command of the first terminal 22 and return a card-searching response to the first terminal 22, so as to establish a communication connection with the first terminal 22. The multi-application smart card 21 receives an operation command, and detects that the operation command is received from the wireless communication interface, it may determine that the operation command is not the first application activation command (command input by the key), but is sent from the first terminal 22, i.e. the card reader, and identify the type of the operation command (e.g. card-searching command, application acquisition command in subsequent steps, transaction request) according to the instruction description information such as the identification information, format, length, etc. of the operation command carried in the operation command. Therefore, when the instruction description information of the operation instruction is the description information of the card searching instruction, the operation instruction can be identified as the card searching instruction input by the first terminal through the wireless communication interface of the multi-application smart card. In a specific implementation process, in a case that the first terminal 22 is a terminal supporting NFC communication, the first terminal 22 may be configured to search for the multi-application smart card 21 supporting NFC communication located in its own electromagnetic field by sending a card search instruction, if the wireless communication interface of the multi-application smart card 21 supports NFC communication, the multi-application smart card 21 may receive the card search instruction sent by the first terminal 22, and then the multi-application smart card 21 returns a card search response to the first terminal 22 to indicate that the first terminal 22 has a smart card capable of supporting NFC communication in its electromagnetic field and establish a wireless communication connection with the first terminal 22, and if the wireless communication interface of the multi-application smart card 21 does not support NFC communication, the card search response is not returned to the first terminal 22. In the case that the first terminal 22 is a terminal supporting WIFI or bluetooth communication, the card searching process may refer to the above example card searching process, which is not described in detail herein.
In this embodiment, the multi-application smart card receives an operation instruction through the wireless communication interface, and according to the instruction description information of the operation instruction, the operation instruction received through the wireless communication can be identified as the application acquisition instruction. The application obtaining instruction is used to instruct the multi-application smart card 21 to return the identification information of the application currently in the activated state to the first terminal 22, and the application obtaining response at least carries the identification information of the application currently in the activated state, so that the first terminal 22 may be configured to initiate a transaction for the application currently in the activated state to the multi-application smart card 21.
In this embodiment, during the transaction using the multi-application smart card 21, for example, a user activates a first application (for example, a bank application is built) of the multi-application smart card 21, and after the multi-application smart card 21 is brought close to a card reader such as a POS, the user temporarily does not want to use the first application and switches to a second application (other applications except the first application, for example, an industrial banking application), as an optional implementation manner of the embodiment of the present invention, the multi-application smart card 21 is further configured to receive a second application activation instruction after activating the first application and before returning an application acquisition response to the first terminal 22, where the second application activation instruction at least includes instruction information for activating the second application, and after recognizing that the second application activation instruction is an instruction input by the user through a key, the first application is deactivated, and activates the second application. By this alternative embodiment, switching between multiple applications can be achieved on the multi-application smart card 21 and interference between different applications due to simultaneous activation can be avoided.
In the present embodiment, the second application may be at least one of a plurality of applications installed in the multi-application smart card 21, and the second application may be an application different from the first application, for example, the second application activation instruction may include instruction information to activate the identification card application so as to activate the identification card application. Thus, the multi-application smart card 21 may be instructed to activate the second application by carrying identification information of the second application to be activated in the second application activation instruction. In order to avoid mutual interference between applications, only one application in the multi-application smart card 21 can be in an activated state at the same time, and therefore, after the multi-application smart card 21 recognizes the second application activation instruction as the application selection instruction, it is necessary to deactivate the first application currently in the activated state and then activate the second application.
In this embodiment, the transaction information may include: the transaction type, transaction amount, payer account information, payee account information, etc. are not specifically limited in this embodiment.
As an optional implementation manner of the embodiment of the present invention, the first terminal 22 is further configured to initiate a transaction request for the application currently in the active state to the multi-application smart card 21 according to the identification information of the application currently in the active state, and includes: the first terminal 22 is further configured to obtain the identification information of the application currently in the active state from the application obtaining response, determine whether the application currently in the active state is an application supported by the first terminal 22 according to the identification information of the application currently in the active state, and if so, initiate a transaction request for the application currently in the active state to the multi-application smart card 21 according to the identification information of the application currently in the active state. The first terminal 22 determines whether to perform a transaction by determining whether the application currently in an activated state in the multi-application smart card 21 is an application supported by the first terminal 22, and performs the transaction only under the condition of support, and if not, the subsequent transaction flow is not executed, so that the unsupported transaction can be terminated in time, the subsequent interactive operation between the first terminal 22 and the multi-application smart card 21 is saved, and the resources of the first terminal 22 and the multi-application smart card 21 are saved.
In this embodiment, the multi-application smart card receives an operation instruction through the wireless communication interface, and according to the instruction description information of the operation instruction, the operation instruction received through the wireless communication can be identified as a transaction request. The multi-application smart card 21 can be used for prompting the transaction information in a display screen display mode or a voice broadcast mode, and after the user confirms that the transaction information is correct, a transaction confirmation instruction can be input through a key. Specifically, the multi-application smart card 21 may be configured to detect whether a key is pressed after the transaction information is prompted, identify a key value of the pressed key if the key is pressed, determine whether the key value is a transaction confirmation instruction according to the obtained key value, and if the key value is the transaction confirmation instruction, consider that the transaction confirmation instruction input by the user is received. In addition, in order to further improve the security of the transaction and prevent the loss of the multi-application smart card 21 after the multi-application smart card 21 is powered on, the specific way of inputting the transaction confirmation instruction may be to input a transaction PIN code into the multi-application smart card 21 for the user or provide the fingerprint of the user, and the multi-application smart card 21 may send the transaction confirmation response to the first terminal 22 only after the authentication of the transaction PIN code input by the user or the fingerprint of the user is passed and indicates that the identity of the user inputting the transaction confirmation instruction is legal.
In this embodiment, the transaction confirmation response may include at least the relevant information for confirming the transaction information. The first terminal 22 may be further configured to, after receiving the transaction confirmation response, reassemble the transaction information and send the reassembled transaction information to the background server; the background server is used for completing the transaction according to the transaction information and sending a transaction result to the first terminal 22; the first terminal 22 is further configured to send the transaction result to the multi-application smart card 21.
In this embodiment, if a hacker attacks the smart card, forges a transaction request and sends the transaction request to the smart card, the smart card will respond to the transaction request and complete the transaction, so as to prevent the transaction of illegal application, as an optional implementation manner of the embodiment of the present invention, the transaction request at least carries the identification information of the application currently in an activated state; the multi-application smart card 21 is further configured to, after receiving the transaction request and before sending the transaction confirmation response to the first terminal 22, determine whether the identification information of the application currently in the activated state, which is carried in the transaction request, matches the identification information of the application currently activated by the multi-application smart card 21, and if so, execute an operation of sending the transaction confirmation response to the first terminal 22. By judging whether the identification information of the application currently in the activated state carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card 21, whether the application initiating the transaction request in the multi-application smart card 21 is the same as the application currently executing the transaction can be judged, so that a hacker can be prevented from forging the application-activated identification to attack the multi-application smart card 21, the transaction of illegal application is prevented, and the account security of a user is protected.
In this optional embodiment, if the identification information of the application currently in the activated state carried in the transaction request does not match the identification information of the application currently activated by the multi-application smart card 21, the system may terminate the transaction, and the multi-application smart card 21 may be further configured to return a transaction failure response to the first terminal 22, and the first terminal 22 may be further configured to receive the transaction failure response and stop subsequent transaction operations.
As an optional implementation manner of the embodiment of the present invention, as shown in fig. 3, the system provided in this embodiment may further include: a second terminal 23 and a server 24; the multi-application smart card 21 is further configured to send an application download request for downloading a third application to the second terminal 23; the second terminal 23, configured to receive the application download request, and send the application download request to the server 24; the server 24 is configured to respond to the application download request and send application loading information corresponding to the third application to the second terminal 23; the second terminal 23 is further configured to receive the application loading information, and send the application loading information to the multi-application smart card 21; the multi-application smart card 21 is further configured to receive application loading information and load a third application. By the optional implementation mode, the downloading and installation of the application of the multi-application smart card 21 are realized.
In this alternative embodiment, the second terminal 23 may be a different terminal from the first terminal 22, or may be the same terminal as the first terminal 22. Specifically, the second terminal 23 may be a mobile terminal, a PC, a tablet computer, a transaction terminal, or the like. The application download request may include at least identification information of the third application that the multi-application smart card 21 requests to download. After receiving the application download request forwarded by the second terminal 23, the server 24 may send, in response to the application download request, application loading information corresponding to the application download request to the second terminal 22, where the application loading information may include an application program code.
Taking the multi-application smart card 21 as a java card as an example, the server 24 is configured to, after receiving the application download request, obtain java codes of the application according to identification information of the application requested to be downloaded by the multi-application smart card 21 and carried in the application download request, convert the java codes into a class file, further convert the class file into a cap file, and send the cap file to the second terminal 23; the second terminal 23 is configured to convert the cap file into an application protocol data unit APDU file, and forward the APDU file to the multi-application smart card 21; and the multi-application smart card 21 is used for installing the application program according to the APDU file.
In this embodiment, in the process of performing a transaction by using the multi-application smart card 21, for example, after a user activates a first application (for example, a construction banking application) of the multi-application smart card 21 to complete a first transaction on a POS machine, a second transaction needs to be performed for a fourth application (another application besides the first application, for example, an agricultural banking application) in an activated state, and for this case, as an optional implementation manner of the embodiment of the present invention, the multi-application smart card 21 is further configured to receive a third application activation instruction input by the user through a key of the multi-application smart card after a subsequent transaction operation of the first transaction is completed by the first terminal 22, where the third application activation instruction at least includes instruction information for activating the fourth application; deactivating the application currently in the activated state in the multi-application smart card 21, and activating a fourth application; the first terminal 22 is further configured to send an application acquisition instruction to the multi-application smart card 21; the multi-application smart card 21 is further configured to receive an application acquisition instruction received and input through wireless communication, and return an application acquisition response to the first terminal 22, where the application acquisition response at least carries identification information of an application currently in an activated state; the first terminal 22 is further configured to receive an application obtaining response, and initiate a transaction request to the multi-application smart card 21 according to the identification information of the application currently in the active state, where the transaction request at least includes transaction information; the multi-application smart card 21 is further configured to receive a transaction request received and input through wireless communication, prompt transaction information, and send a transaction confirmation response to the first terminal 22 after receiving a transaction confirmation instruction for confirming that the transaction information is correct; the first terminal 22 is further configured to receive a transaction confirmation response for performing a subsequent transaction operation. With this alternative embodiment, the application switch may be performed after the first transaction is completed, and the second transaction may be completed based on the fourth application activated after the switch. The second transaction process performed by the multi-application smart card transaction system may refer to the process performed by the multi-application smart card transaction system for the first transaction, which is not described herein again.
Any process or method descriptions in flow charts or otherwise described herein may be understood as representing modules, segments, or portions of code which include one or more executable instructions for implementing specific logical functions or steps of the process, and alternate implementations are included within the scope of the preferred embodiment of the present invention in which functions may be executed out of order from that shown or discussed, including substantially concurrently or in reverse order, depending on the functionality involved, as would be understood by those reasonably skilled in the art of the present invention.
It should be understood that portions of the present invention may be implemented in hardware, software, firmware, or a combination thereof. In the above embodiments, the various steps or methods may be implemented in software or firmware stored in memory and executed by a suitable instruction execution system. For example, if implemented in hardware, as in another embodiment, any one or combination of the following techniques, which are known in the art, may be used: a discrete logic circuit having a logic gate circuit for implementing a logic function on a data signal, an application specific integrated circuit having an appropriate combinational logic gate circuit, a Programmable Gate Array (PGA), a Field Programmable Gate Array (FPGA), or the like.
It will be understood by those skilled in the art that all or part of the steps carried by the method for implementing the above embodiments may be implemented by hardware related to instructions of a program, which may be stored in a computer readable storage medium, and when the program is executed, the program includes one or a combination of the steps of the method embodiments.
In addition, functional units in the embodiments of the present invention may be integrated into one processing module, or each unit may exist alone physically, or two or more units are integrated into one module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. The integrated module, if implemented in the form of a software functional module and sold or used as a stand-alone product, may also be stored in a computer readable storage medium.
The storage medium mentioned above may be a read-only memory, a magnetic or optical disk, etc.
In the description herein, references to the description of the term "one embodiment," "some embodiments," "an example," "a specific example," or "some examples," etc., mean that a particular feature, structure, material, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the invention. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples.
Although embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and should not be construed as limiting the present invention, and that variations, modifications, substitutions and alterations can be made in the above embodiments by those of ordinary skill in the art without departing from the principle and spirit of the present invention. The scope of the invention is defined by the appended claims and equivalents thereof.

Claims (12)

1. A multi-application smart card transaction method, wherein the multi-application smart card comprises keys and a wireless communication interface, the method comprising:
the multi-application intelligent card receives an operation instruction and judges whether the operation instruction is input by the key or the wireless communication interface;
after the multi-application smart card judges that the operation instruction is input by the key, if the operation instruction is analyzed and obtained to carry indication information for activating a first application, the multi-application smart card identifies that the operation instruction is the first application activation instruction input by a user through the key of the multi-application smart card, wherein the first application is the application currently selected by the user;
after recognizing and receiving a first application activation instruction input by a user through a key of the multi-application smart card, the multi-application smart card activates the first application;
after receiving a card searching command input by a first terminal through a wireless communication interface of the multi-application smart card, the multi-application smart card returns a card searching response to the first terminal and establishes communication connection with the first terminal;
the first terminal receives the card searching response and sends an application acquisition instruction to the multi-application smart card;
after receiving the application acquisition instruction input through the wireless communication, the multi-application smart card returns an application acquisition response to the first terminal, wherein the application acquisition response at least carries identification information of the application in the current activation state;
the first terminal receives the application acquisition response, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state, wherein the transaction request at least comprises transaction information and the identification information of the application in the current activation state;
after receiving the transaction request input through the wireless communication, the multi-application smart card prompts the transaction information, and after receiving a transaction confirmation instruction for confirming that the transaction information is correct, judges whether the identification information of the application currently in the activated state carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card, and if so, sends a transaction confirmation response to the first terminal;
and after receiving the transaction confirmation response, the first terminal carries out subsequent transaction operation.
2. The method of claim 1,
the first terminal initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state, and the transaction request comprises the following steps:
and the first terminal acquires the identification information of the application in the current activation state from the application acquisition response, judges whether the application in the current activation state is the application supported by the first terminal according to the identification information of the application in the current activation state, and initiates a transaction request aiming at the application in the current activation state to the multi-application smart card according to the identification information of the application in the current activation state if the application in the current activation state is the application supported by the first terminal.
3. The method according to claim 1 or 2,
after the multi-application smart card activates the first application, before returning an application acquisition response to the first terminal, the method further comprises:
the multi-application smart card receives a second application activation instruction input by a user through a key of the multi-application smart card, wherein the second application activation instruction at least comprises indication information for activating a second application; and deactivating the first application and activating the second application.
4. The method of claim 3,
the transaction request at least carries identification information of the application in the current activation state;
after the multi-application smart card receives the transaction request, before sending the transaction confirmation response to the first terminal, the method further comprises:
and judging whether the identification information of the application currently in the activated state carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card, if so, executing the operation of sending the transaction confirmation response to the first terminal.
5. The method according to any one of claims 1, 2, 4, further comprising:
the multi-application smart card sends an application downloading request for downloading a third application to a second terminal;
the second terminal receives the application downloading request and sends the application downloading request to a server;
the server responds to the application downloading request and sends application loading information corresponding to the third application to the second terminal;
the second terminal receives the application loading information and sends the application loading information to the multi-application smart card;
and the multi-application intelligent card receives the application loading information and loads the third application.
6. The method of claim 3, further comprising:
the multi-application smart card sends an application downloading request for downloading a third application to a second terminal;
the second terminal receives the application downloading request and sends the application downloading request to a server;
the server responds to the application downloading request and sends application loading information corresponding to the third application to the second terminal;
the second terminal receives the application loading information and sends the application loading information to the multi-application smart card;
and the multi-application intelligent card receives the application loading information and loads the third application.
7. A multi-application smart card transaction system, comprising: the system comprises a multi-application smart card and a first terminal; the multi-application smart card comprises a key and a wireless communication interface;
the multi-application smart card is used for receiving an operation instruction and judging whether the operation instruction is input by the key or the wireless communication interface;
the multi-application smart card is used for identifying that the operation instruction is a first application activation instruction input by a user through a key of the multi-application smart card if the operation instruction is analyzed and obtained to carry indication information for activating a first application, wherein the indication information is the operation instruction input by the key, and the first application is an application currently selected by the user;
the multi-application smart card is used for activating the first application after recognizing and receiving a first application activation instruction input by a user through a key of the multi-application smart card;
the multi-application intelligent card is also used for returning a card searching response to the first terminal after receiving a card searching command input by the first terminal through the wireless communication interface of the multi-application intelligent card, and establishing communication connection with the first terminal;
the first terminal is used for receiving the card searching response and sending an application acquisition instruction to the multi-application smart card;
the multi-application smart card is further configured to return an application acquisition response to the first terminal after receiving the application acquisition instruction received and input through the wireless communication, where the application acquisition response at least carries identification information of an application currently in an activated state;
the first terminal is further configured to receive the application obtaining response, and initiate a transaction request for the application currently in the active state to the multi-application smart card according to the identification information of the application currently in the active state, where the transaction request at least includes transaction information and the identification information of the application currently in the active state;
the multi-application smart card is further used for prompting the transaction information after receiving the transaction request input through the wireless communication, judging whether the identification information of the application in the current activation state carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card or not after receiving a transaction confirmation instruction for confirming that the transaction information is correct, and sending a transaction confirmation response to the first terminal if the identification information of the application in the current activation state carried in the transaction request is matched with the identification information of the application currently activated by the multi-application smart card;
and the first terminal is also used for carrying out subsequent transaction operation after receiving the transaction confirmation response.
8. The system of claim 7,
the first terminal is further configured to initiate a transaction request for the application currently in the active state to the multi-application smart card according to the identification information of the application currently in the active state, and includes:
the first terminal is further configured to obtain, from the application obtaining response, identification information of the application currently in the activated state, and determine whether the application currently in the activated state is an application supported by the first terminal according to the identification information of the application currently in the activated state, and if so, initiate a transaction request for the application currently in the activated state to the multi-application smart card according to the identification information of the application currently in the activated state.
9. The system of claim 7 or 8,
the multi-application smart card is further used for receiving a second application activation instruction input by a user through a key of the multi-application smart card after the first application is activated and before an application acquisition response is returned to the first terminal, wherein the second application activation instruction at least comprises indication information for activating a second application; and deactivating the first application and activating the second application.
10. The system according to claim 9, wherein the transaction request carries at least identification information of the application currently in the activated state;
the multi-application smart card is further configured to, after receiving the transaction request and before sending the transaction confirmation response to the first terminal, determine whether the identification information of the application currently in the activated state, which is carried in the transaction request, matches the identification information of the application currently activated by the multi-application smart card, and if so, execute an operation of sending the transaction confirmation response to the first terminal.
11. The system of any one of claims 7, 8, and 10, further comprising: a second terminal and a server;
the multi-application smart card is also used for sending an application downloading request for downloading a third application to the second terminal;
the second terminal is used for receiving the application downloading request and sending the application downloading request to the server;
the server is used for responding to the application downloading request and sending application loading information corresponding to the third application to the second terminal;
the second terminal is further used for receiving the application loading information and sending the application loading information to the multi-application smart card;
the multi-application smart card is further configured to receive the application loading information and load the third application.
12. The system of claim 9, further comprising: a second terminal and a server;
the multi-application smart card is also used for sending an application downloading request for downloading a third application to the second terminal;
the second terminal is used for receiving the application downloading request and sending the application downloading request to the server;
the server is used for responding to the application downloading request and sending application loading information corresponding to the third application to the second terminal;
the second terminal is further used for receiving the application loading information and sending the application loading information to the multi-application smart card;
the multi-application smart card is further configured to receive the application loading information and load the third application.
CN201611101885.XA 2016-12-02 2016-12-02 Multi-application smart card transaction method and system Active CN107230075B (en)

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