CN112036856A - Consumption execution method and device for dual-interface card, electronic equipment and storage medium - Google Patents
Consumption execution method and device for dual-interface card, electronic equipment and storage medium Download PDFInfo
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- CN112036856A CN112036856A CN202010907785.6A CN202010907785A CN112036856A CN 112036856 A CN112036856 A CN 112036856A CN 202010907785 A CN202010907785 A CN 202010907785A CN 112036856 A CN112036856 A CN 112036856A
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/38—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
Abstract
The application provides a consumption execution method and device for a dual-interface card, electronic equipment and a storage medium, and belongs to the field of electronic transactions. The method applied to the dual-interface card comprises the following steps: receiving awakening information sent by a point-of-sale terminal, wherein the awakening information comprises consumption verification information of the point-of-sale terminal; acquiring the consumption verification information from the awakening information; and when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information, executing a card swiping process to complete the current transaction. The method judges whether the double-interface card has the authority to pay for the current transaction or not through the consumption verification information of the double-interface card based on the point-of-sale terminal, thereby improving the controllability of card swiping consumption.
Description
Technical Field
The application relates to the technical field of electronic transactions, in particular to a consumption execution method and device for a dual-interface card, electronic equipment and a storage medium.
Background
With the development of the modern business level and the rapid development of electronic commerce, card swiping consumption modes are supported by most of consumption places such as shops. However, the Card-swiping consumption mode is not easy to be controlled during transaction, and a group such as minors and the like which may need to control consumption can consume at any time and any place when consuming by using an IC Card (Integrated Circuit Card), so that the consumption is not reasonable or unnecessary with a high probability.
Disclosure of Invention
In view of this, an embodiment of the present invention provides a dual interface card consumption execution method and apparatus, an electronic device, and a storage medium, so as to solve the problem of difficulty in managing and controlling card-swiping consumption in the prior art.
The embodiment of the application provides a consumption execution method for a dual-interface card, which is applied to the dual-interface card and comprises the following steps: receiving awakening information sent by a point-of-sale terminal, wherein the awakening information comprises consumption verification information of the point-of-sale terminal; acquiring the consumption verification information from the awakening information; and when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information, executing a card swiping process to complete the current transaction.
In the implementation mode, the transaction authority is judged by the wake-up information sent by the point-of-sale terminal in cooperation with the dual-interface card, so that each transaction is accurately and quickly controlled, and the fact that the juvenile and other groups which may need to control consumption perform unnecessary consumption is avoided.
Optionally, the consumption verification information includes at least one of an industry classification identifier, a space registration identifier, and a point-of-sale terminal identifier, and when it is determined that the current transaction with the point-of-sale terminal has a consumption right based on the consumption verification information, executing a card swiping process to complete the current transaction includes: determining whether the consumption verification information is matched with a preset consumption authority rule; when the consumption verification information is matched with the preset consumption authority rule, determining that the current transaction with the point-of-sale terminal has consumption authority; and when the current transaction time is the allowable execution time, executing a card swiping process to complete the current transaction.
In the implementation mode, the industry classification identifier, the space registration identifier, the point-of-sale terminal identifier and the like are used as consumption judgment bases of consumption permission, time limitation for executing transaction is matched, and accurate management and control of transaction card swiping consumption can be performed based on multi-aspect information such as time, place and merchant type of transaction, so that abnormal consumption based on card swiping consumption is further avoided.
Optionally, the consumption verification information further includes card swiping mode information and encryption algorithm information, and the executing of the card swiping process to complete the current transaction includes: determining a target card swiping mode based on the card swiping mode information; determining a target encryption algorithm based on the encryption algorithm information; and performing data interaction with the point-of-sale terminal by adopting the target card swiping mode and the target encryption algorithm so as to execute a card swiping process to complete the current transaction.
In the implementation manner, the card swiping mode and the encryption algorithm between the dual-interface card and the point-of-sale terminal are limited through the card swiping mode information and the encryption algorithm information, and the point-of-sale terminal can indicate the dual-interface card to adopt the card swiping mode and the encryption algorithm supported by the point-of-sale terminal, so that the dual-interface card consumes in the corresponding card swiping mode and the corresponding encryption algorithm, the problem that the card swiping mode and the encryption algorithm of the dual-interface card and the point-of-sale terminal cannot be matched is avoided, and the consumption processing efficiency and convenience are improved.
Optionally, the executing the card swiping process completes the current transaction, including: earning a specified amount from the electronic wallet into an IC card account of the dual-interface card; executing the current transaction card swiping and transferring process through the IC card account; and after the card swiping and transferring process is finished, transferring the balance in the IC card account back to the electronic wallet.
In the implementation mode, the electronic wallet is used for loading the balance of the designated amount into the IC card account only when the card swiping consumption with the corresponding authority is needed, so that the IC card account cannot be used for card swiping consumption when the transaction is not authorized, and the management and control performance of the transaction is improved.
Optionally, the earning a specified amount from the electronic wallet into the IC card account of the dual-interface card includes: generating a load instruction based on the designated amount; and the electronic wallet loads the specified amount into the IC card account of the dual-interface card based on the load instruction.
In the implementation mode, the specified amount is earmarked into the IC card account of the dual-interface card through the earmark instruction, so that the situations of embezzlement, mistaken swiping and the like of a large amount in the IC card account are avoided, and the safety of transaction is guaranteed.
The embodiment of the application also provides a consumption execution method of the dual-interface card, which is applied to a point-of-sale terminal, and the method comprises the following steps: sending awakening information to a dual-interface card, wherein the awakening information comprises consumption verification information of the point-of-sale terminal, so that the dual-interface card receives the awakening information sent by the point-of-sale terminal and acquires the consumption verification information from the awakening information; and when the double-interface card determines that the current transaction with the point-of-sale terminal has the consumption right based on the consumption verification information, performing data interaction with the double-interface card, and executing a card swiping process to complete the current transaction.
In the implementation mode, the transaction authority is judged by the wake-up information sent by the point-of-sale terminal in cooperation with the dual-interface card, so that each transaction is accurately and quickly controlled, and the fact that the juvenile and other groups which may need to control consumption perform unnecessary consumption is avoided.
The embodiment of the present application further provides a dual-interface card consumption execution device, which is applied to a dual-interface card, and the device includes: the system comprises a wakeup information receiving module, a point-of-sale terminal and a display module, wherein the wakeup information receiving module is used for receiving wakeup information sent by the point-of-sale terminal, and the wakeup information comprises consumption verification information of the point-of-sale terminal; the analysis module is used for acquiring the consumption verification information from the awakening information; and the first consumption execution module is used for executing a card swiping process to complete the current transaction when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information.
In the implementation mode, the transaction authority is judged by the wake-up information sent by the point-of-sale terminal in cooperation with the dual-interface card, so that each transaction is accurately and quickly controlled, and the fact that the juvenile and other groups which may need to control consumption perform unnecessary consumption is avoided.
Optionally, the consumption verification information includes at least one of an industry classification identifier, a space registration identifier, and a point-of-sale terminal identifier, and the first consumption execution module is specifically configured to: determining whether the consumption verification information is matched with a preset consumption authority rule; when the consumption verification information is matched with the preset consumption authority rule, determining that the current transaction with the point-of-sale terminal has consumption authority; and when the current transaction time is the allowable execution time, executing a card swiping process to complete the current transaction.
In the implementation mode, the industry classification identifier, the space registration identifier, the point-of-sale terminal identifier and the like are used as the consumption judgment basis of the consumption permission, and the accurate management and control of the card swiping consumption of the transaction can be carried out based on various information such as the time, the place, the type of a merchant and the like of the transaction, so that the abnormal consumption based on the card swiping consumption is further avoided.
Optionally, the consumption verification information further includes card swiping mode information and encryption algorithm information, and the first consumption execution module is specifically configured to: determining a target card swiping mode based on the card swiping mode information; determining a target encryption algorithm based on the encryption algorithm information; and performing data interaction with the point-of-sale terminal by adopting the target card swiping mode and the target encryption algorithm so as to execute a card swiping process to complete the current transaction.
In the implementation mode, the card swiping mode and the encryption algorithm between the dual-interface card and the point-of-sale terminal are limited through the card swiping mode information and the encryption algorithm information, the card swiping mode can be negotiated and determined between the dual-interface card and the point-of-sale terminal, the applicability of the method is enhanced, and meanwhile, the transaction safety of the method is improved through the determination of the encryption algorithm.
Optionally, the executing the card swiping process completes the current transaction, including: earning a specified amount from the electronic wallet into an IC card account of the dual-interface card; executing the current transaction card swiping and transferring process through the IC card account; and after the card swiping and transferring process is finished, transferring the balance in the IC card account back to the electronic wallet.
In the implementation mode, the electronic wallet is used for loading the balance into the IC card account only when card swiping consumption with corresponding authority is needed, so that the IC card account cannot be used for card swiping consumption when the transaction is not authorized, and the management and control performance of the transaction is improved.
Optionally, the earning a specified amount from the electronic wallet into the IC card account of the dual-interface card includes: generating a load instruction based on the designated amount; and the electronic wallet loads the specified amount into the IC card account of the dual-interface card based on the load instruction.
In the implementation mode, the specified amount is earmarked into the IC card account of the dual-interface card through the earmark instruction, so that the situations of embezzlement, mistaken swiping and the like of a large amount in the IC card account are avoided, and the safety of transaction is guaranteed.
The embodiment of the present application further provides a dual-interface card consumption execution device, which is applied to a point-of-sale terminal, and the device includes: the system comprises a wakeup information sending module, a point-of-sale terminal and a point-of-sale terminal, wherein the wakeup information sending module is used for sending wakeup information to the dual-interface card, and the wakeup information comprises consumption verification information of the point-of-sale terminal, so that the dual-interface card receives the wakeup information sent by the point-of-sale terminal and acquires the consumption verification information from the wakeup information; and the second consumption execution module is used for performing data interaction with the double-interface card and executing a card swiping process to complete the current transaction when the double-interface card determines that the current transaction with the point-of-sale terminal has the consumption right based on the consumption verification information.
In the implementation mode, the transaction authority is judged by the wake-up information sent by the point-of-sale terminal in cooperation with the dual-interface card, so that each transaction is accurately and quickly controlled, and the fact that the juvenile and other groups which may need to control consumption perform unnecessary consumption is avoided.
An embodiment of the present application further provides an electronic device, where the electronic device includes a memory and a processor, where the memory stores program instructions, and the processor executes steps in any one of the above implementation manners when reading and executing the program instructions.
An embodiment of the present application further provides a storage medium, where computer program instructions are stored in the storage medium, and when the computer program instructions are read and executed by a processor, the steps in any one of the above implementation manners are performed.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are required to be used in the embodiments of the present application will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present application and therefore should not be considered as limiting the scope, and that those skilled in the art can also obtain other related drawings based on the drawings without inventive efforts.
Fig. 1 is a schematic flowchart of a dual interface card consumption execution method applied to a dual interface card according to an embodiment of the present disclosure.
Fig. 2 is a schematic flow chart illustrating a card swiping process step according to an embodiment of the present application.
Fig. 3 is a flow diagram illustrating a transfer process according to an embodiment of the present application.
Fig. 4 is a schematic flowchart of a consumption execution method of a dual interface card applied to a point-of-sale terminal according to an embodiment of the present disclosure.
Fig. 5 is a schematic block diagram of a dual interface card consumption execution apparatus applied to a dual interface card according to an embodiment of the present disclosure.
Fig. 6 is a block diagram of a dual-interface card consumption execution device applied to a point-of-sale terminal according to an embodiment of the present disclosure.
Icon: 30-a dual interface card consumption execution device; 31-wake-up information receiving module; 32-a resolution module; 33-a first consumption execution module; 40-consumption execution device of double interface card; 41-a wake-up information sending module; 42-second consumption execution module.
Detailed Description
The technical solution in the embodiments of the present application will be described below with reference to the drawings in the embodiments of the present application.
Referring to fig. 1, fig. 1 is a schematic flow chart of a dual interface card consumption execution method applied to a dual interface card according to an embodiment of the present application, where the specific steps of the dual interface card consumption execution method may be as follows:
step S12: and receiving wake-up information sent by the point-of-sale terminal, wherein the wake-up information comprises consumption verification information of the point-of-sale terminal.
The double-interface card (also called combined card/double-port card) is a multifunctional card with both contact and non-contact interface communication, and it integrates the use convenience of non-contact IC card and the safety and reliability of contact IC card into one body, making it a multi-purpose excellent carrier for one card, and representing the main development direction of future IC card. The dual-interface card is not only suitable for occasions requiring convenience, such as urban public transport, highway toll collection, electronic purses and the like, but also can meet the requirements of financial services, electronic commerce and the like which pay more attention to safety and reliability. Specifically, the dual-interface card is a single-chip-based smart card integrating a contact interface and a non-contact interface, and the two interfaces share the same microprocessor, an operating system and an EEPROM. The card comprises a microprocessor chip and an antenna coil connected with the microprocessor, the electromagnetic field generated by the reader-writer provides energy, and the energy supply and the data transmission are realized in a radio frequency mode. Therefore, the embodiment can finish the judgment of the consumption right and the subsequent transaction transfer by adopting the dual-interface card, and has the advantages of convenience, rapidness, strong applicability and easy popularization.
The point-of-sale terminal can be a point-of-sale information management system (POS), is a terminal reader equipped with bar codes or OCR (optical character recognition) code technology and has cash or barter function. The main task is to provide data service and management function for commodity and media transaction, and to settle accounts without cash, and to realize automatic transfer of electronic funds.
The point-of-sale terminal in this embodiment can carry out data transmission through Low Frequency radio Frequency (LF) signal, and it can be the radio Frequency signal that is less than 125KHz, has Low-cost advantage in the data transmission of short distance, therefore the Low Frequency card also can be selected for use to the corresponding dual interface card, and this Low Frequency card can be based on technologies such as EM (electromagnetic) and prepare, has with Low costs, the characteristics that the power saving and penetrability are moderate, can satisfy the data transmission demand in the transaction.
Optionally, in addition to waking up the dual interface card through the LF signal, the wake-up information in this embodiment may also transmit consumption verification information. The consumption verification information may include at least one of an industry classification identifier, a space registration identifier, and a point-of-sale terminal identifier.
The industry classification identifier is a unique internet of things industry classification code of each point-of-sale terminal, for example, the catering industry may be 0001, the clothing industry may be 0002, and the like. Optionally, the industry classification identifier may be formatted in the data transmission as: 0x0001 (for catering industry), 0x0002 (for clothing industry).
The spatial registration identifier is geographical location information that each point-of-sale terminal has, and may also be home merchant information that is registered when the point-of-sale terminal is put into use, for example, a format in data transmission may specifically be: 0x00FA01(A Xiao Zhi), 0x000B202 (market B).
The pos terminal identifier is a unique identifier for identifying the pos terminal by the dual-interface card, for example, the format in data transmission may specifically use 0xxxxxxxx (X constitutes any binary number) to identify any pos terminal.
Step S14: and acquiring consumption verification information from the awakening information.
Optionally, in this embodiment, any commonly used radio frequency signal analysis method may be adopted to analyze the wake-up information.
Step S16: and when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information and the current transaction time is the allowable execution time, executing a card swiping process to complete the current transaction.
Based on the fact that consumption verification information sent by the point-of-sale terminal comprises an industry classification identifier, a space registration identifier and a point-of-sale terminal identifier, the dual-interface card can be matched with a preset consumption authority rule preset by the dual-interface card, and whether current transaction can be conducted or not is determined.
For example, the preset consumption authority rules of the dual-interface card store: the industry classification identifier is 0x0001, the space registration identifier is 0x00FA01, and the point-of-sale terminal identifier is 0x00000001, which means that the dual-interface card can perform card swiping and cancelling transactions on the 0x00000001 point-of-sale terminal corresponding to the catering industry of elementary school A.
Furthermore, the preset consumption authority rules of the dual-interface card can limit the transaction time and the card swiping mode, so that the transaction monitoring performance of the dual-interface card swiping consumption is further improved, and whether the holder of the dual-interface card has meals on time or not can be known based on specific consumption conditions.
The dual-interface card may store a time identifier, where the time identifier is an allowable execution time for allowing the dual-interface card to perform a transaction related behavior such as card swiping consumption, and may use any binary code rule to represent a time period.
It should be understood that the time limit for the transaction may require a clock chip to be incorporated into the dual interface card, or the point-of-sale terminal may send time data to the dual interface card.
The card swiping mode may be defined by the card swiping mode information, for example, the format in data transmission may be specifically represented by values of bits of one byte, for example, bit0 (bit 0) is 1 to indicate that IC card swiping is supported, 0 indicates that IC card swiping is not supported, bit1 (bit 1) is 1 to indicate that bluetooth card swiping is supported, 0 indicates that bluetooth card swiping is not supported, bit2 (bit 2) is 1 to indicate that NFC (Near Field Communication) card swiping is supported, 0 indicates that NFC card swiping is not supported, and the remaining bits may respectively correspond to any other card swiping modes.
For example, the preset consumption authority rules of the dual-interface card store: the industry classification identification is 0x0001, the space registration identification is 0x00FA01, the point-of-sale terminal identification is 0x00000001, and the time identification is workday 7: 00-8: 00. 12:00-13:00, 17:00-18:00, and if the value of bit1 in the card swiping mode information is 1, the card can be operated on a working day of 7: 00-8: 00. card swiping and cancelling transactions are carried out on 0x00000001 point-of-sale terminals corresponding to catering industries of elementary schools A and A of 12:00-13:00 and 17:00-18:00 in a Bluetooth card swiping mode.
In the steps, the industry classification identifier, the space registration identifier, the point-of-sale terminal identifier and the like are used as consumption judgment bases of consumption permission, accurate management and control of transaction card swiping consumption can be carried out based on multi-aspect information such as transaction time, transaction place, transaction type and the like, and accordingly abnormal consumption based on card swiping consumption is further avoided.
After the consumption authority of the current transaction is determined, a card swiping process is executed to complete the current transaction, please refer to fig. 2, where fig. 2 is a schematic flow diagram of card swiping process steps provided in an embodiment of the present application, and specific steps may be as follows:
step S161: and determining a target card swiping mode based on the card swiping mode information.
The principle of determining the target card swiping mode based on the card swiping mode information in step S161 is the same as the principle of the card swiping mode information indicating that the card swiping mode is supported, and is not described herein again.
Step S162: a target encryption algorithm is determined based on the encryption algorithm information.
Alternatively, for example, the format in the data transmission may specifically use one byte of information to indicate Encryption algorithm information, 0x00 to indicate no Encryption, 0x01 to indicate RSA Encryption algorithm, 0x02 to indicate tea (tiny Encryption algorithm) Encryption algorithm, and 0x03 to indicate aes (advanced Encryption standard) Encryption algorithm. It should be understood that in other embodiments, any other encryption algorithm suitable for data communication for card payment may be used.
Step S163: and performing data interaction with the point-of-sale terminal by adopting a target card swiping mode and a target encryption algorithm so as to execute a card swiping process and complete the current transaction.
As an alternative implementation, please refer to fig. 3, fig. 3 is a schematic flow chart of a transfer process provided in an embodiment of the present application, and the "performing a card swiping process to complete a current transaction" in step S16 may include:
step S164: generating a load instruction based on the specified amount; and the electronic wallet loads the specified amount into the IC card account of the dual-interface card based on the load instruction.
Optionally, the specified amount can be flexibly set according to the consumption amount of the dual-interface card, for example, when the industry classification of the current transaction is identified as the catering industry, the specified amount can be set to 1000 yuan, 500 yuan, 100 yuan or any other suitable amount.
Step S165: and executing the card swiping and transferring process of the current transaction through the IC card account.
Step S166: and after the card swiping and account transferring process is finished, the balance in the IC card account is transferred back to the electronic wallet.
In the steps, the electronic wallet is used for loading the balance into the IC card account only when card swiping consumption with corresponding authority is needed, so that the IC card account cannot be used for card swiping consumption when the transaction is not authorized, and the management and control performance of the transaction is improved.
In order to cooperate with the above dual-interface card consumption execution method applied to the dual-interface card, the embodiment further provides a dual-interface card consumption execution method applied to a point of sale terminal. Referring to fig. 4, fig. 4 is a schematic flowchart of a consumption execution method for a dual interface card applied to a point-of-sale terminal according to an embodiment of the present application, where the method includes the following specific steps:
step S22: and sending awakening information to the dual-interface card, wherein the awakening information comprises consumption verification information of the point-of-sale terminal, so that the dual-interface card receives the awakening information sent by the point-of-sale terminal and acquires the consumption verification information from the awakening information.
Step S24: and when the double-interface card determines that the current transaction with the point-of-sale terminal has the consumption right based on the consumption verification information, performing data interaction with the double-interface card, and executing a card swiping process to complete the current transaction.
According to the embodiment, the transaction authority is judged based on the wake-up information sent by the point-of-sale terminal and the double-interface card through the double-interface card and the point-of-sale terminal, so that each transaction is accurately and quickly controlled, and unnecessary consumption of groups such as minors and the like which may need to control consumption is avoided.
As an optional implementation manner, after the point-of-sale terminal or the dual-interface card completes the transaction, the information such as the industry classification identifier, the space registration identifier, and the point-of-sale terminal identifier may be sent to a designated device, such as a pre-bound mobile phone, a tablet computer, a personal computer, and the like, so as to perform real-time control on card swiping consumption under certain necessary circumstances, for example, when the card swiping person is a minor, a guardian needs to know the consumption behavior of the minor in time.
In practical application, the double-interface card consumption execution method can determine the consumption position, category, time and the like of transaction through industry classification identification, space registration identification, point-of-sale terminal identification and the like, can limit the card swiping range to a certain shop, effectively prevents a user (such as a minor) who needs to receive supervision from swiping card consumption, and meanwhile controls the specific time of transaction by combining the time identification of transaction, and can supervise and urge the minor to develop good life rules.
In order to match the dual interface card consumption execution method applied to the dual interface card provided in the present embodiment, the present embodiment further provides a dual interface card consumption execution apparatus 30 applied to the dual interface card, please refer to fig. 5, and fig. 5 is a schematic block diagram of the dual interface card consumption execution apparatus applied to the dual interface card provided in the present embodiment.
The dual interface card consumption execution device 30 includes:
a wake-up information receiving module 31, configured to receive wake-up information sent by a point-of-sale terminal, where the wake-up information includes consumption verification information of the point-of-sale terminal;
the analysis module 32 is configured to obtain consumption verification information from the wake-up information;
and the first consumption execution module 33 is used for executing a card swiping process to complete the current transaction when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information.
Optionally, the consumption verification information includes at least one of an industry classification identifier, a space registration identifier, and a point-of-sale terminal identifier, and the first consumption execution module 33 is specifically configured to: determining whether the consumption verification information is matched with a preset consumption authority rule; when the consumption verification information is matched with a preset consumption authority rule, determining that the current transaction with the point-of-sale terminal has consumption authority; and when the current transaction time is the allowable execution time, executing a card swiping process to complete the current transaction.
Optionally, the consumption verification information further includes card swiping mode information and encryption algorithm information, and the first consumption execution module 33 is specifically configured to: determining a target card swiping mode based on the card swiping mode information; determining a target encryption algorithm based on the encryption algorithm information; and performing data interaction with the point-of-sale terminal by adopting a target card swiping mode and a target encryption algorithm so as to execute a card swiping process and complete the current transaction.
Optionally, the first consumption execution module 33 is specifically configured to: earning the appointed amount from the electronic wallet to an IC card account of the dual-interface card; executing a card swiping and account transferring process of the current transaction through an IC card account; and after the card swiping and account transferring process is finished, the balance in the IC card account is transferred back to the electronic wallet.
Optionally, the first consumption execution module 33 is specifically configured to: generating a load instruction based on the specified amount; and the electronic wallet loads the specified amount into the IC card account of the dual-interface card based on the load instruction.
In order to cooperate with the above-mentioned consumption execution method for a dual interface card applied to a pos terminal provided in this embodiment, the present embodiment further provides a consumption execution device 40 for a dual interface card applied to a pos terminal, please refer to fig. 6, and fig. 6 is a schematic block diagram of the consumption execution device for a dual interface card applied to a pos terminal provided in this embodiment of the present application.
The dual interface card consumption execution device 40 includes:
the wake-up information sending module 41 is configured to send wake-up information to the dual-interface card, where the wake-up information includes consumption verification information of the pos terminal, so that the dual-interface card receives the wake-up information sent by the pos terminal and obtains the consumption verification information from the wake-up information;
and the second consumption execution module 42 is configured to perform data interaction with the dual-interface card when the dual-interface card determines that the current transaction with the point-of-sale terminal has the consumption right based on the consumption verification information, and execute a card swiping process to complete the current transaction.
The embodiment of the present application further provides an electronic device, which includes a memory and a processor, where the memory stores program instructions, and when the processor reads and executes the program instructions, the processor executes steps in any one of the dual interface card consumption execution methods provided in this embodiment.
It should be understood that the electronic device may be a Personal Computer (PC), a tablet PC, a smart phone, a Personal Digital Assistant (PDA), or other electronic device having a logical computing function.
The embodiment of the application also provides a readable storage medium, wherein computer program instructions are stored in the readable storage medium, and the computer program instructions are read by a processor and run to execute the steps in the dual-interface card consumption execution method.
To sum up, the embodiment of the present application provides a dual interface card consumption execution method and apparatus, an electronic device, and a storage medium, where the method applied to the dual interface card includes: receiving awakening information sent by a point-of-sale terminal, wherein the awakening information comprises consumption verification information of the point-of-sale terminal; acquiring the consumption verification information from the awakening information; and when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information, executing a card swiping process to complete the current transaction.
In the implementation mode, the transaction authority is judged by the wake-up information sent by the point-of-sale terminal in cooperation with the dual-interface card, so that each transaction is accurately and quickly controlled, and the fact that the juvenile and other groups which may need to control consumption perform unnecessary consumption is avoided.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. The apparatus embodiments described above are merely illustrative, and for example, the block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of devices according to various embodiments of the present application. In this regard, each block in the block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams, and combinations of blocks in the block diagrams, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
In addition, functional modules in the embodiments of the present application may be integrated together to form an independent part, or each module may exist separately, or two or more modules may be integrated to form an independent part.
The functions, if implemented in the form of software functional modules and sold or used as a stand-alone product, may be stored in a computer readable storage medium. Therefore, the present embodiment further provides a readable storage medium, in which computer program instructions are stored, and when the computer program instructions are read and executed by a processor, the computer program instructions perform the steps of any of the block data storage methods. Based on such understanding, the technical solution of the present application or portions thereof that substantially contribute to the prior art may be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a usb disk, a removable hard disk, a Read-Only Memory (ROM), a RanDom Access Memory (RAM), a magnetic disk, or an optical disk.
The above description is only an example of the present application and is not intended to limit the scope of the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application. It should be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures.
The above description is only for the specific embodiments of the present application, but the scope of the present application is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present application, and shall be covered by the scope of the present application.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
Claims (10)
1. A consumption execution method for a dual interface card is applied to the dual interface card, and the method comprises the following steps:
receiving awakening information sent by a point-of-sale terminal, wherein the awakening information comprises consumption verification information of the point-of-sale terminal;
acquiring the consumption verification information from the awakening information;
and when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information, executing a card swiping process to complete the current transaction.
2. The method of claim 1, wherein the consumption verification information comprises at least one of an industry classification identifier, a space registration identifier, and a point-of-sale terminal identifier, and wherein upon determining that a current transaction with the point-of-sale terminal has consumption rights based on the consumption verification information, performing a card swipe process to complete the current transaction comprises:
determining whether the consumption verification information is matched with a preset consumption authority rule;
when the consumption verification information is matched with the preset consumption authority rule, determining that the current transaction with the point-of-sale terminal has consumption authority;
and when the current transaction time is the allowable execution time, executing a card swiping process to complete the current transaction.
3. The method of claim 2, wherein the consumption verification information further includes swipe card mode information and encryption algorithm information, and wherein the executing a swipe card process to complete the current transaction comprises:
determining a target card swiping mode based on the card swiping mode information;
determining a target encryption algorithm based on the encryption algorithm information;
and performing data interaction with the point-of-sale terminal by adopting the target card swiping mode and the target encryption algorithm so as to execute a card swiping process to complete the current transaction.
4. The method of any of claims 1-3, wherein the performing a card swipe process completes the current transaction, comprising:
earning a specified amount from the electronic wallet into an IC card account of the dual-interface card;
executing the current transaction card swiping and transferring process through the IC card account;
and after the card swiping and transferring process is finished, transferring the balance in the IC card account back to the electronic wallet.
5. The method of claim 4, wherein the earmarking the specified amount from the electronic wallet into the IC card account of the dual-interface card comprises:
generating a load instruction based on the designated amount;
and the electronic wallet loads the specified amount into the IC card account of the dual-interface card based on the load instruction.
6. A consumption execution method of a dual-interface card is applied to a point-of-sale terminal, and comprises the following steps:
sending awakening information to a dual-interface card, wherein the awakening information comprises consumption verification information of the point-of-sale terminal, so that the dual-interface card receives the awakening information sent by the point-of-sale terminal and acquires the consumption verification information from the awakening information;
and when the double-interface card determines that the current transaction with the point-of-sale terminal has the consumption right based on the consumption verification information, performing data interaction with the double-interface card, and executing a card swiping process to complete the current transaction.
7. A consumption execution device for a dual interface card is applied to the dual interface card, and the device comprises:
the system comprises a wakeup information receiving module, a point-of-sale terminal and a display module, wherein the wakeup information receiving module is used for receiving wakeup information sent by the point-of-sale terminal, and the wakeup information comprises consumption verification information of the point-of-sale terminal;
the analysis module is used for acquiring the consumption verification information from the awakening information;
and the first consumption execution module is used for executing a card swiping process to complete the current transaction when the current transaction with the point-of-sale terminal is determined to have the consumption right based on the consumption verification information.
8. A dual interface card consumption execution device, applied to a point-of-sale terminal, the device comprising:
the system comprises a wakeup information sending module, a point-of-sale terminal and a point-of-sale terminal, wherein the wakeup information sending module is used for sending wakeup information to the dual-interface card, and the wakeup information comprises consumption verification information of the point-of-sale terminal, so that the dual-interface card receives the wakeup information sent by the point-of-sale terminal and acquires the consumption verification information from the wakeup information;
and the second consumption execution module is used for performing data interaction with the double-interface card and executing a card swiping process to complete the current transaction when the double-interface card determines that the current transaction with the point-of-sale terminal has the consumption right based on the consumption verification information.
9. An electronic device comprising a memory having stored therein program instructions and a processor that, when executed, performs the steps of the method of any of claims 1-6.
10. A storage medium having stored thereon computer program instructions for executing the steps of the method according to any one of claims 1 to 6 when executed by a processor.
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