TWI621082B - Method for monitoring pseudo card risk and transaction processing system implementing the method - Google Patents

Abstract

The present invention relates to computer technology, and more particularly to a method of monitoring the risk of a fake card and a transaction processing system implementing the above method. The method for monitoring the risk of a fake card according to the present invention comprises the steps of: receiving a step in which the transaction processing system receives data associated with a transaction processed by the financial IC card request from the transaction terminal; an abnormality determining step, in this step, The transaction processing system judges whether the transaction processed by the request is abnormal according to the data; a pseudo card risk determining step, in which, if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if the financial IC card If the frequency of the transaction requesting processing is greater than the second threshold, then the transaction processing system determines that the financial IC card has a pseudo-card risk.

Description

Method for monitoring pseudo card risk and transaction processing system implementing the method

The present invention relates to computer technology, and more particularly to a method of monitoring the risk of a fake card and a transaction processing system implementing the above method.

With the popularization of financial IC cards, there are increasing cases of stealing cardholder funds through counterfeit cards. Such cases not only cause losses to the cardholder, but also often lead to legal and economic disputes between the card issuer and the cardholder. Therefore, the importance of technically preventing counterfeit financial IC cards has become more prominent.

At present, there are generally two methods for judging the authenticity of a financial IC card, namely, offline data authentication of a transaction terminal and online certification of a card issuing bank. In the former method, the transaction terminal will perform offline authentication on the card locally, and if the user's authentication information (such as a password or biological information such as a fingerprint and an iris) matches the data stored in the card, the authentication passes, otherwise , then terminate the transaction. In the latter method, the transaction terminal encrypts the user's authentication information and sends it to the remote transaction processing system. The transaction terminal continues to process further after receiving the authorization request ciphertext authentication of the transaction processing system. Otherwise, Terminate the transaction. But if the forged financial IC card is This identity-based authentication mechanism may fail when copied from the personalized data in the card.

It can be seen that there is an urgent need to provide a method for monitoring the risk of pseudo-cards more accurately and timely to improve the risk prevention capability of pseudo-cards.

It is an object of the present invention to provide a method of monitoring the risk of a fake card that provides a technical basis for accurate and timely identification of a fake card.

A method of monitoring a risk of a fake card according to an embodiment of the present invention includes the following steps: a receiving step in which a transaction processing system receives data associated with a transaction processed by a financial IC card from a transaction terminal; an abnormality determining step, In this step, the transaction processing system judges whether the transaction processed by the request is abnormal according to the data; a pseudo card risk determining step, in which, if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if If the frequency of the transaction requested by the financial IC card is greater than a second threshold, the transaction processing system determines that the financial IC card has a pseudo-card risk.

Preferably, in the above method for monitoring the risk of a fake card, the data includes an updated ATC value in the financial IC card, and the transaction processing system performs the abnormality determining step in the following manner: if If the updated ATC value is equal to the current ATC value stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of the fake card, the transaction is In-line transaction, the data includes an updated online transaction ATC value in the financial IC card, and the transaction processing system performs the abnormality determining step in the following manner: if the updated online transaction ATC value is less than or Equal to the current online transaction ATC value stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of the fake card, the material includes a card serial number corresponding to the financial IC card, and the transaction processing system performs the abnormality determining step in the following manner: if with the financial IC If the card serial number corresponding to the card does not have a matching record in the valid card serial number record stored in the transaction processing system, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of the fake card, the transaction is an online transaction, the data includes an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system is in the following manner Performing the abnormality determining step: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, determining the transaction to be processed Abnormal.

Preferably, in the method for monitoring the risk of the fake card, the transaction is an offline transaction, and the data includes a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card. And the transaction processing system performs the abnormality determining step in the following manner: if the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the last online deposit, the transaction processing system returns the The electronic cash offline consumption balance of the financial IC card judges that the transaction requested to be processed is abnormal.

Preferably, in the above method for monitoring the risk of the fake card, the transaction is an offline transaction, the data includes a transaction amount corresponding to the transaction, and the transaction processing system performs the abnormality determination step in the following manner: If the transaction amount is greater than the current electronic cash offline consumption balance stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal.

It is another object of the present invention to provide a transaction processing system that provides a technical basis for accurate and timely identification of a fake card.

A transaction processing system according to an embodiment of the present invention includes: a communication unit for receiving data associated with a transaction processed by a financial IC card from a transaction terminal; and a storage unit for storing a card associated with the financial IC card An abnormality determining unit, configured to determine, according to the data, whether the transaction processed by the request is abnormal; the pseudo-card risk assessment unit is configured to determine the risk of the pseudo-card according to the following manner: if the number of abnormal transactions of the financial IC card is greater than the first The threshold, or if the frequency of the transaction requested by the financial IC card is greater than the second threshold, determining that the financial IC card has a pseudo-card risk.

Preferably, in the above transaction processing system, the material includes an updated ATC value in the financial IC card, and the abnormality determining unit performs abnormality determination in the following manner: if the updated ATC value or the like The current ATC value stored in the storage unit determines that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an online transaction, the data includes an updated online transaction ATC value in the financial IC card, and the abnormality determining unit performs abnormality determination in the following manner: If the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the storage unit, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the material includes a card serial number corresponding to the financial IC card, and the abnormality determining unit performs abnormality determination in the following manner: if the card serial number corresponding to the financial IC card If there is no matching record item in the valid card serial number record stored in the storage unit, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an online transaction, the data includes an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system performs the following manner Abnormal judgment step: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an offline transaction, the material includes a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card, and the The abnormality determining unit performs abnormality judgment in the following manner: if the transaction gold If the sum of the amount and the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, it is determined that the transaction requested to be processed is abnormal.

Preferably, in the above transaction processing system, the transaction is an offline transaction, the data includes a transaction amount corresponding to the transaction, and the abnormality determining unit performs an abnormality determination in the following manner: if the transaction amount is greater than The current electronic cash offline consumption balance stored by the storage unit determines that the transaction requested to be processed is abnormal.

The above and other objects and advantages of the present invention will become more fully apparent from the Detailed Description

1 is a schematic diagram of a transaction processing system in accordance with one embodiment of the present invention.

2 is a flow chart of a method of monitoring the risk of a fake card in accordance with another embodiment of the present invention.

FIG. 3 is a flow chart of the abnormality determination routine in the method shown in FIG.

The invention will now be described more fully hereinafter with reference to the accompanying drawings. However, the invention may be embodied in different forms and should not be construed as limited to the various embodiments presented herein. The various embodiments described above are intended to be complete and complete, so that the understanding of the scope of the invention is more comprehensive and accurate.

The terms "including" and "including" are used to mean that the present invention does not exclude other elements that are not directly or explicitly stated, except for the elements and steps that are directly and explicitly stated in the specification and claims. The situation of the unit and the steps.

Terms such as "first" and "second" do not denote the order of the elements in terms of time, space, size, etc., but merely for distinguishing the units, and also have no limiting effect on the number of units.

According to an embodiment of the present invention, an abnormal transaction is identified by analyzing a transaction behavior pattern of a financial IC card, and a pseudo-card risk is determined by means of a customizable event rule set, thereby taking corresponding measures (for example, generating a warning message, rejecting Trading or lock card, etc.). Since the event rules can be customized and modified according to the application, the risk of the fake card can be monitored accurately and timely.

1 is a schematic diagram of a transaction processing system in accordance with one embodiment of the present invention. As shown in FIG. 1, the transaction processing system 10 according to the present embodiment includes a communication unit 110, a storage unit 120, an abnormality determination unit 130, and a pseudo-card risk assessment unit 140, wherein the abnormality determination unit 130 and the communication unit 110 and the storage unit 120 The pseudo card risk evaluation unit 140 is connected to the communication unit 110, the storage unit 120, and the abnormality determining unit 130.

The communication unit 110 is connected to the remote transaction terminal 20 via a network, for example, which is in interactive communication with the transaction terminal 20. In a typical application scenario, when a user conducts a transaction at the transaction terminal 20, the transaction terminal 20 transmits to the communication unit 110 the funds associated with the transaction requested by the financial IC card 30. material. Such materials include, for example, but are not limited to, card serial numbers of financial IC cards, transaction certificates (TC), application transaction counter (ATC) counts, random numbers, dynamic signature data, transaction amounts, electronic cash offline balances, and card records, and the like. Any combination of parameters, etc.

The storage unit 120 is configured to store card materials associated with the financial IC card.

The abnormality determining unit 130 parses the transaction data uploaded by the transaction terminal 20 via the communication unit 110 to determine whether the transaction is abnormal and reports the abnormality to the fake card risk evaluation unit 140.

In this specification, an application transaction counter (ATC) refers to a counter for counting the number of transactions of a financial IC card, including online and offline transactions. Preferably, the financial IC card 30 is designed to configure the ATC, and the corresponding ATC is also configured for the financial IC card in the transaction processing system 10. By synchronously updating the two at the end of the transaction, the abnormality determining unit 130 can determine whether the transaction is abnormal according to whether the count values of the two are matched or not. For example, it is assumed that the initial values of the ATC at the storage unit 120 of the financial IC card and the transaction processing system 10 are both 0. In the transaction process, the information transmitted by the transaction terminal 20 to the transaction processing system 10 is included in the financial IC card. The ATC value, at this time, the ATC value at the storage unit 10 has not been updated, and therefore should be smaller than the former. Once the abnormality determining unit 130 finds that the corresponding ATC value at the storage unit 120 is equal to the ATC value in the received data, it can be judged that the transaction is abnormal. In addition, for the online transaction, the financial IC card 30 can also be configured with a special ATC (also referred to as an online transaction ATC), and correspondingly, the storage unit 120 is also configured with the line. The ATC corresponding to the ATC (also known as the current online transaction ATC of the transaction processing system). Thus, the abnormality determining unit 130 can discover an abnormal transaction in the online transaction according to the matching of the count values of the two.

A unique card serial number will be assigned to each financial IC card for personalization. In this embodiment, when the card serial number is included in the data uploaded by the transaction terminal 20 to the communication unit 110, the abnormality determining unit 130 can verify the financial IC through its matching with the record stored in the storage unit 120 in advance. Whether the card is legal and valid.

When an online deposit transaction is made, the transaction processing system 10 will return to the financial IC card the electronic cash offline balance M of the card after the online deposit. In the personalization of the financial IC card, the electronic cash offline balance stored thereon and the online cash balance of the card after the online transaction of the transaction processing system 10 are generally set to take the same value. In the subsequent use, the electronic cash offline balance M returned by the transaction processing system 10 only changes with the amount of each online transaction, that is, when the online deposit transaction is performed, the returned electronic cash offline balance M is Updated to the sum of the inventory amount and the electronic cash offline balance uploaded by the inventory transaction.

In the present embodiment, the abnormality determining unit 130 may use the amount involved in the transaction process to determine whether a transaction abnormality has occurred. For example, for the offline transaction mode, when the transaction terminal 20 uploads the electronic cash offline consumption transaction amount and the electronic cash offline balance via the communication unit 110, if the sum of the two is greater than the last online deposit, the transaction processing system 10 returns to the financial IC card. The electronic cash offline balance M, the abnormality determining unit 130 determines that a transaction abnormality occurs and reports the pseudo-card risk evaluation unit 140. Or for online trading In the mode, if the electronic cash offline balance uploaded by the transaction terminal 20 is greater than the electronic cash offline balance M returned by the transaction processing system 10 to the financial IC card after the last online deposit, the abnormality determining unit 130 determines that the transaction abnormality occurs and reports the risk of the fake card. Evaluation unit 140.

When the financial IC chip is personalized, the offline cash balance stored in the card and the current electronic cash offline consumption balance N stored in the storage unit 120 are generally set to the same value. Subsequently, the current electronic cash offline consumption balance N varies with the amount of online inventory transactions and electronic cash offline consumption, and the update method is:

1) When a deposit transaction occurs, the transaction processing system 10 updates the current electronic cash offline consumption balance N to the electronic cash offline balance (ie, the electronic cash offline balance M described above) that is returned to the card after each online deposit.

2) When the electronic cash offline consumption occurs, the transaction processing system 10 subtracts the transaction amount of the electronic cash offline consumption uploaded by the transaction terminal 20 with the current electronic cash offline consumption balance N and updates the stored current electronic with the obtained difference value. Cash offline consumption balance N.

In this embodiment, for the offline transaction mode, whether the transaction abnormality occurs may be determined according to the electronic cash offline consumption transaction amount uploaded by the transaction terminal 20 and the current electronic cash offline consumption balance N stored at the transaction processing system 10. Specifically, if the electronic cash offline consumption transaction amount is greater than the current electronic cash offline consumption balance N, the abnormality determining unit 130 determines that a transaction abnormality occurs and reports the pseudo-card risk assessment unit 140.

For financial IC cards with abnormal transactions, the pseudo-card risk assessment unit 140 determining the risk of the fake card according to the following manner: 1) if the number of abnormal transactions of a financial IC card is greater than the first threshold, determining that the financial IC card has a risk of a fake card; or 2) if the financial IC card requests processing If the frequency of the transaction is greater than the second threshold, it is determined that the financial IC card has a pseudo-card risk.

The first and second thresholds here can be flexibly adjusted according to the actual application. In addition, the frequency of transactions can be characterized by the number of transactions on the same financial IC card line received by the transaction processing system 10 in a unit time interval, wherein the length T of the unit time interval can be flexibly set. When the transaction frequency is large, it is basically determined that there are multiple physical cards, and multiple transactions occur at the same time, so there is a large risk of pseudo-cards.

After the pseudo-card risk assessment unit 140 determines that there is a pseudo-card risk, the transaction processing system 10 may reject the transaction request of the transaction terminal 20, or at the same time as rejecting, by launching the lock application or locking the card issuer script to lock the card application Or the application is permanently disabled. In addition, an alert message may be generated for a financial IC card that has not been determined to have a risk of a fake card but an abnormal transaction has occurred.

2 is a flow chart of a method of monitoring the risk of a fake card in accordance with another embodiment of the present invention. Illustratively, it is assumed here that the structure of the transaction processing system shown in FIG. 1 is employed, but it will be appreciated from the following description that the method of the present embodiment does not depend on a specific structure.

As shown in FIG. 2, in step S201, the communication unit 110 of the transaction processing system 10 receives the material associated with the transaction requested by the financial IC card 30 from the transaction terminal 20. As mentioned above, these materials include, for example, but not It is limited to the card serial number of the financial IC card, the transaction certificate (TC), the count value of the application transaction counter (ATC), the random number, the dynamic signature data, the transaction amount, the electronic cash offline balance and the card record, and any combination of these parameters.

Next, the process proceeds to step S202 or the abnormality transaction determination routine, and the abnormality determination unit 130 determines whether the transaction is abnormal based on the data abnormality associated with the transaction requested by the financial IC card 30. The specific flow of the abnormal transaction judgment will be described in detail below with reference to FIG.

If it is determined that a transaction abnormality has occurred, the process proceeds to step S203, and the abnormality determining unit 130 reports the financial IC card 30 in which the transaction abnormality occurs to the pseudo-card risk assessment unit 140, and otherwise proceeds to the normal business process.

Next, proceeding to step S204, the pseudo-card risk assessment unit 140 evaluates the pseudo-card risk of the card in which the abnormal transaction occurs, and generates a corresponding risk assessment report, in such a manner as described above, so that the transaction processing system 10 can This takes corresponding measures, including, but not limited to, rejecting the transaction request, locking the card application or permanently invalidating the application, and generating an alert message.

FIG. 3 is a flow chart of the abnormality determination routine in the method shown in FIG.

As shown in FIG. 3, the process proceeds to step S301. The abnormality determining unit 130 determines whether the ATC value uploaded by the transaction terminal 20 is equal to the corresponding ATC value stored at the storage unit 120. If they are equal, it is determined that the transaction is abnormal and proceeds to step S203, otherwise Then, the process proceeds to step S302.

In step S302, the abnormality determining unit 130 determines whether the data uploaded by the transaction terminal 20 includes the card serial number, and if so, proceeds to the step S303, otherwise proceeds to step S304.

In step S303, the abnormality determining unit 130 determines whether the storage unit 120 has a record matching the card serial number uploaded by the transaction terminal 20, and if so, determines that the financial IC card is legally valid and proceeds to step S304, otherwise, proceeds to step S203.

In step S304, the abnormality determining unit 130 determines whether the transaction requested to be processed is the electronic cash offline consumption mode, and if so, proceeds to step S305, otherwise proceeds to step S306.

In step S305, the abnormality determining unit 130 determines whether the sum of the electronic cash offline consumption transaction amount and the electronic cash offline balance uploaded by the transaction terminal 20 is greater than the electronic cash offline balance M returned to the financial IC card by the transaction processing system 10 after the last online deposit. If yes, it is determined that the transaction is abnormal and proceeds to step S203, otherwise, the process proceeds to step S307.

In step S307, the abnormality determining unit 130 determines whether the electronic cash offline consumption transaction amount uploaded by the transaction terminal 20 is greater than the current electronic cash offline consumption balance N stored at the storage unit 120, and if so, determines that the transaction is abnormal and proceeds to step S203; otherwise, Then move to the normal business process.

Referring to FIG. 3, in another branching step S306 of step S304, the abnormality determining unit 130 determines whether the online transaction ATC value uploaded by the transaction terminal 20 is greater than the corresponding current online transaction ATC value stored at the storage unit 120, and if it is greater than, enters Step S308, otherwise, it is judged that the transaction is abnormal and proceeds to step S203.

At step S308. The abnormality determining unit 130 determines whether the data uploaded by the transaction terminal 20 includes an electronic cash offline balance, and if included, advances Go to step S309, otherwise, go to the normal business process.

In step S309, the abnormality determining unit 130 determines that the electronic cash offline balance uploaded by the transaction terminal 20 is greater than the electronic cash offline balance M returned to the financial IC card by the last online online transaction processing system 10 stored by the storage unit 120. If it is greater, it is judged that the transaction is abnormal and proceeds to step S203, otherwise, it is transferred to the normal business process.

Embodiments in accordance with the present invention have the following advantages.

As a supplement to the original risk control measures of the transaction processing system, it can help the issuing bank to detect the risk of the fake card in advance.

The issuing bank can use the system to determine the risk of the fake card in real time or afterwards according to the actual situation and can improve the probability and efficiency of identifying the fake card.

In determining the risk of a fake card or discovering a transaction anomaly, the transaction processing system can take various measures to prevent the risk from spreading.

The present invention has been described by way of example only and not by way of limitation. The scope of the present invention is defined by the scope of the appended claims, and the various changes and modifications of the embodiments described above are within the scope of the appended claims.

Claims (12)

A method for monitoring a risk of a fake card, comprising the steps of: receiving a step in which the transaction processing system receives data associated with a transaction processed by a financial IC card from a transaction terminal; an abnormality determining step at which The transaction processing system judges whether the transaction processed by the request is abnormal according to the data; the pseudo card risk determining step, in which, if the number of abnormal transactions of the financial IC card is greater than a first threshold, or if the financial IC card If the frequency of the transaction requested to be processed is greater than the second threshold, the transaction processing system determines that the financial IC card has a risk of a fake card; wherein the data includes the updated ATC value in the financial IC card, and the transaction processing system follows The abnormality determining step is performed in the following manner: if the updated ATC value is equal to the current ATC value stored by the transaction processing system, it is judged that the transaction requested to be processed is abnormal. The method for monitoring the risk of a pseudo-card as described in claim 1, wherein the transaction is an online transaction, the data further includes an updated online transaction ATC value in the financial IC card, and the transaction processing system further performs the following manner The abnormality determining step: if the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal. The method for monitoring the risk of a fake card according to claim 1, wherein the data further includes a card serial number corresponding to the financial IC card, and the transaction processing system further performs the abnormality determining step according to the following manner: If there is no matching record in the card serial number corresponding to the financial IC card in the valid card serial number record stored in the transaction processing system, it is judged that the transaction requested to be processed is abnormal. The method for monitoring the risk of a pseudo-card as described in claim 1, wherein the transaction is an online transaction, the data further includes an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system further follows the following manner The abnormality determining step is executed: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, it is determined that the transaction requested to be processed is abnormal. The method for monitoring the risk of a pseudo-card as described in claim 1, wherein the transaction is an offline transaction, the data further includes a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card, and The transaction processing system further performs the abnormality determining step in the following manner: if the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the electronic cash returned by the transaction processing system to the financial IC card after the last online deposit If the balance is consumed offline, it is judged that the transaction processed by the request is abnormal. The method for monitoring the risk of a pseudo-card as described in claim 1, wherein the transaction is an offline transaction, the data further includes a transaction amount corresponding to the transaction, and the transaction processing system further performs the abnormality determining step according to the following manner: If the transaction amount is greater than the current electronic cash offline consumption balance stored by the transaction processing system, it is determined that the transaction requested to be processed is abnormal. A transaction processing system, comprising: a communication unit, configured to receive, from a transaction terminal, data associated with a transaction processed by a financial IC card; and a storage unit configured to store card data associated with the financial IC card; An abnormality determining unit, configured to determine, according to the data, whether the transaction processed by the request is abnormal; the pseudo-card risk assessment unit is configured to determine the pseudo-card risk according to the following manner: if the number of transactions in which the financial IC card has an abnormality is greater than a first threshold, or If the frequency of the transaction requested by the financial IC card is greater than the second threshold, determining that the financial IC card has a pseudo-card risk; wherein the data includes the updated ATC value in the financial IC card, and the abnormality determining unit The abnormality judgment is performed in the following manner: if the updated ATC value is equal to the current ATC value stored by the storage unit, it is judged that the transaction requested to be processed is abnormal. The transaction processing system of claim 7, wherein the transaction is an online transaction, the data further includes an updated online transaction ATC value in the financial IC card, and the abnormality determining unit further performs abnormality determination in the following manner: If the updated online transaction ATC value is less than or equal to the current online transaction ATC value stored by the storage unit, it is determined that the transaction requested to be processed is abnormal. The transaction processing system of claim 7, wherein the data further includes a card serial number corresponding to the financial IC card, and the abnormality determining unit further performs abnormality determination in the following manner: if with financial If the card serial number corresponding to the IC card has no matching record item in the valid card serial number record stored in the storage unit, it is determined that the transaction requested to be processed is abnormal. The transaction processing system of claim 7, wherein the transaction is an online transaction, the data further includes an updated electronic cash offline consumption balance in the financial IC card, and the transaction processing system further performs the abnormality in the following manner Judgment step: if the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, it is determined that the transaction requested to be processed is abnormal. The transaction processing system of claim 7, wherein the transaction is an offline transaction, the data further includes a transaction amount corresponding to the transaction and an updated electronic cash offline consumption balance in the financial IC card, and the abnormality determination The unit further performs an abnormality judgment according to the following manner: if the sum of the transaction amount and the updated electronic cash offline consumption balance is greater than the electronic cash offline consumption balance returned by the transaction processing system to the financial IC card after the last online deposit, It is judged that the transaction processed by the request is abnormal. The transaction processing system of claim 7, wherein the transaction is an offline transaction, the data further includes a transaction amount corresponding to the transaction, and the abnormality determining unit further performs an abnormality determination according to the following manner: if the transaction amount is greater than the The current electronic cash offline consumption balance stored in the storage unit determines that the transaction requested to be processed is abnormal.