WO2011127687A1

WO2011127687A1 - Non-contact card terminal and abnormal state processing method thereof

Info

Publication number: WO2011127687A1
Application number: PCT/CN2010/074167
Authority: WO
Inventors: 张迪; 吴中平; 雷波; 侯晓凡; 余海峰
Original assignee: 中兴通讯股份有限公司
Priority date: 2010-04-12
Filing date: 2010-06-21
Publication date: 2011-10-20
Also published as: CN101807320A

Abstract

A non-contact card terminal and an abnormal state processing method thereof are provided, wherein, said card includes an intelligent card, and said method involves: setting and/or backing-up purse information of said intelligent card when said terminal carries out an initialization processing of a trade, setting the trade state of the purse as an initial trade state at least, sequentially updating the trade state of said purse by said terminal during a trade process, recording the trade information of said purse, and recovering normal trade or ending abnormal trade according to said trade state if said terminal or said intelligent card is in abnormal state during said trade process.

Description

Terminal for contactless card and method for processing abnormality thereof

Technical field

The present invention relates to the field of radio frequency identification application technologies, and in particular, to a terminal for a contactless card and a method for handling the abnormality thereof.

Background technique

At present, there are many kinds of consumer smart cards, and there is a radio frequency subscriber identity module (SIM) card (RFSIM), which is a mobile phone smart card capable of realizing medium and short range wireless communication; a non-contact type CPU card is a contactless integrated circuit. (IC) card for near field communication, and more. In addition, there is a contactless logic encryption card, which differs from a smart card in that: In a smart card, there is an integrated circuit with a microprocessor (MPU), in addition to having a large storage. In addition to capacity, it also has certain data processing capabilities, and the data is more secure to use; the non-contact logical encryption card only has data storage function, does not have data processing capability, and its security is easily cracked, just because of its The cost is lower, so it has not been completely replaced by smart cards.

With the development of the Internet of Things technology, the application scenarios of RFID technology are becoming more and more complex. For example, if smart cards are applied to various types of consumption, various smart cards will gradually replace the original contactless logic encryption cards. At the same time, in order to meet various consumer needs, there has been a situation in which a wallet is combined in a smart card. For example, in an enterprise, there are two wallets for the canteen consumption in the employee's smart card, one for storing the monthly payment of the enterprise. The subsidy, the other is used to store personal recharge amount and so on. In addition, there is a case where there are a variety of wallets in the smart card, such as a bus card used for bus travel, and shopping and consumption in some supermarkets. The application of the smart card to build a multi-money package has been mentioned in the patent 200910092488.4, but the patent only describes how to expand the multi-wallet from the perspective of the smart card.

In real-world applications, there are two common ways to use smart cards for consumption. One is online trading, and the other is offline trading. The account information of the online transaction is stored in the background server, and the user determines the account information on the background server by using the unique identifier of the smart card (ie, the card number of the smart card) when the transaction is performed, so the terminal does not need to be equipped with the consumer security access module ( PSAM, Purchase Secure Access Module); Account information for offline transactions is stored in the smart card, so you need to have PSAM on the terminal to secure the data in the transaction. Certification, as shown in Figure 1. Since the terminal does not need to interact with the background server frequently as in the online transaction during the transaction process, the application range of the offline transaction consumption is wider than the online transaction.

As can be seen from FIG. 1, the contactless smart card 1 communicates with the terminal 2 through the air interface. Since the transaction involves a fee payment problem, the terminal needs to securely authenticate the data through the consumer security access module PSAM21 during the transaction process. All data of the transaction is finally transmitted to the backend server 3 via the network.

In the process of conducting a transaction communication, the contactless smart card may encounter the following problems: First, during the consumption process, the terminal works normally, but the contactless smart card may abnormally leave the sensing area of the terminal;

At this time, the terminal notifies the user to put the contactless smart card back into the sensing area of the terminal. After the terminal re-searches the smart card and confirms that it is the smart card just used, the smart card verification command is used to obtain the verification data from the smart card. The required second message authentication code (MAC2, Message Authentication Code 2) information is used to verify the legality of the transaction. If the MAC2 information is successfully verified, the transaction has occurred, that is, the corresponding payment has been deducted in the account information of the smart card. At this point, the terminal stores the record in the database 22 on the terminal, and the PSAM will generate a new transaction serial number to complete the transaction.

Second, during the consumption process, the terminal may suddenly lose power;

At this time, if the smart card is abnormally removed from the sensing area of the terminal, the PSAM authentication cannot be performed because the original PSAM initialization information has been lost when the terminal is powered off. Moreover, not only the current transaction cannot be determined, but also the step in which the wallet transaction is combined cannot be determined.

Here, the terminal pull-out processing refers to the practice of ensuring the consistency of the transaction when the transaction ends abnormally during the transaction. The consistency of the transaction means that the transaction information on the smart card is consistent with the transaction information on the background server through the processing of the terminal.

In the patent CN01130114.7 and the patent CN200510025030.9, the method of preventing the pull-out of the non-contact logic encryption card is described, but the above-mentioned problem still cannot solve the above-mentioned fundamental problem that the transaction cannot be continued due to the abnormality in the transaction process. :

(1) Both of these patents describe the method of preventing and removing the non-contact logical encryption card or The data recovery method, rather than the method of preventing or removing the smart card or the radio frequency SIM card, cannot be transplanted to the latter because the structure of the two types of cards is different.

(2) These two patents only deal with the transaction abnormality caused by the contactless logical encryption card being shaken out of the sensory area of the terminal, and does not include the case that the terminal is powered on.

(3) Neither of these patents mentions a method for preventing and removing the terminal of a smart card having multi-wallet consumption.

It can be seen that the existing non-contact smart card terminal and the method for handling the abnormality need to be improved, so that it can perform corresponding anti-drawing processing for the abnormality of the smart card and the terminal, and can be easily adapted to one "" In the terminal of the wallet transaction.

Summary of the invention

The technical problem to be solved by the present invention is to provide a terminal for a contactless card and a method for handling the abnormality thereof, which can perform an anti-drawing process for an abnormality of the smart card or the terminal.

In order to solve the above technical problem, the present invention provides a method for processing an abnormality of a terminal of a contactless card, wherein the card includes a smart card, and the method includes:

The terminal sets and/or backs up the wallet information of the smart card when the transaction is initialized, and sets at least the transaction status of the wallet as the transaction initial;

The terminal gradually updates the transaction status of the wallet during the transaction process, and records the transaction information of the wallet; if the terminal or the smart card is abnormal during the transaction, the terminal is restored according to the transaction status A normal transaction or termination of an abnormal transaction.

In the step of setting and/or backing up the wallet information of the smart card,

Setting and/or backing up wallet information in the smart card by a tree data structure, the root node of the tree structure is a wallet type, and the child nodes of the root node are one or more wallet types in turn, and each wallet type Included in the wallet information, the wallet information in the One or more of the total transaction amount and smart card identification information.

The step of the terminal gradually updating the transaction status of the wallet during the transaction process includes: After setting the transaction status to start the transaction, sending a transaction request to the smart card, and after receiving the security verification of the smart card, receiving a transaction response returned by the smart card;

The terminal transmits the second message authentication code MAC2 information in the transaction response to the consumption security access module PSAM, and updates the transaction status of the wallet to completion of the transaction according to the verification result of the transaction legality returned by the PSAM.

Before the step of receiving the transaction response returned by the smart card, the method further includes: the terminal re-searching for the smart card after the smart card leaves the sensing area of the terminal in the transaction process Reading, by the PSAM, the validity of the MAC 2 information, if the MAC 2 information is legal, determining that the transaction is completed, and generating new transaction information; if the MAC 2 information is not legal, determining the transaction If the wallet other than the wallet in the combined wallet is further determined to be in the smart card, the wallet other than the wallet in the combined wallet is re-traded.

Before the step of receiving the transaction response returned by the smart card, the method further includes: the terminal experiencing a power failure abnormality during the transaction and reading the transaction status of the backed wallet after powering on If it is determined that the transaction status is the completion of the transaction, if it is determined that the wallet is in the process of conducting the transaction according to the transaction information, the smart card is prompted to be re-entered into the sensing area, and if it is further determined that the current transaction status of the wallet is the transaction completion, then Storing a record of the abnormality of the transaction, and terminating the transaction of the subsequent wallet; if it is further determined that the smart card has the combined wallet transaction, storing the transaction information of the wallet other than the wallet in the smart card combination wallet, for the wallet of the uncompleted transaction Then the process of re-transaction initialization is performed.

In order to solve the above technical problem, the present invention provides a terminal for a contactless card, including a transaction initialization module, a database module, a transaction execution module, and an exception processing module, wherein the card includes a smart card, wherein:

The transaction initialization module is configured to set and/or back up the wallet information of the smart card into a database module when the transaction is initialized, wherein at least the transaction status of the wallet is set to the transaction initial, and the transaction is Perform module output transaction commands;

The database module is configured to store wallet information of the smart card set and/or backed up; the transaction performing module is configured to: according to the transaction life output by the transaction initialization module Ordering a transaction, and gradually updating the transaction status of the wallet during the transaction, and recording the transaction information of the wallet;

The exception handling module is configured to: when the terminal or the smart card is abnormal during the transaction, restore a normal transaction or terminate an abnormal transaction according to the transaction status.

The transaction initialization module is configured to set and/or back up the wallet information in the smart card through a tree data structure, where the root node of the tree structure is a wallet type, and the child nodes of the root node are one or a plurality of wallet types, each wallet type includes one or n wallets, where n is an integer greater than 1; the wallet information in the smart card includes the wallet type and the wallet serial number in addition to the transaction status of the wallet One or more of the number of wallets required for the smart card, the total transaction amount, and the smart card identification information.

The transaction execution module includes a consumer security access module PSAM, wherein:

The transaction execution module is configured to set a transaction status to a second message authentication code in a transaction response returned by the smart card after the transaction status is started, the transaction request is sent to the smart card, and the smart card is subjected to security verification. The MAC2 information is verified by the PSAM for transaction legality, and according to the legal verification result of the transaction of the PSAM, the transaction status of the wallet stored in the database module is changed to completion of the transaction, and new transaction information is generated.

The exception handling module includes a first exception handling unit, where:

The first exception processing unit is configured to process an abnormality of the smart card leaving the terminal sensing area, and instruct the transaction performing module to perform a non-power-off abnormality processing;

The transaction execution module is further configured to: according to the indication of the non-power-off exception processing of the first exception processing unit, after re-searching for the smart card, read and verify the validity of the MAC2 information by using the PSAM, If the MAC 2 information is legal, it is determined that the transaction is completed, and new transaction information is generated; if the MAC 2 information is not legal, the transaction is considered not to occur, and if it is further determined that there is a combined wallet in the smart card other than the wallet The other wallet is re-traded for the wallet other than the wallet in the combined wallet.

The exception handling module further includes a second exception handling unit, wherein:

The second exception processing unit is configured to: when the transaction execution module generates a power failure abnormality and after powering on, read the transaction status of the wallet backed up in the database module, if the transaction is determined If the status is transaction completion, it is determined whether the current wallet is in the transaction according to the transaction information. If the current wallet is in the transaction, the transaction execution module is instructed to perform the first power failure abnormality processing; if it is determined that the smart card has the combined wallet transaction And instructing the transaction performing module to perform a second power failure abnormality processing;

The transaction proceeding module is further configured to: re-input the smart card into the sensing area according to the instruction of the first power-off abnormality processing, and determine whether the current transaction status of the wallet is a transaction completion, if the current transaction status of the wallet If the transaction is completed, storing a record of the transaction abnormality, and terminating the transaction of the subsequent wallet; and/or storing the transaction information of the smart card combination wallet in the smart card combination wallet except the wallet according to the indication of the second power failure abnormality processing For the wallet that has not completed the transaction, the re-transaction initialization process is performed.

The terminal for the contactless card and the method for processing the abnormality of the invention, perform necessary data backup when the smart card is initialized by the consumer terminal, including the transaction status, the wallet type, the required number of wallets, the current wallet serial number, each time The total amount of the transaction, the smart card identification (such as the smart card serial number) and other information, and gradually modify the transaction status and its corresponding data during the transaction process; thus, the terminal can be from the transaction status after the terminal or smart card abnormality occurs The illustrated steps begin processing and restore the corresponding data so that the transaction can continue after the exception is removed.

BRIEF abstract

1 is a schematic diagram of a system structure of an existing smart card applied to an offline transaction of consumption; FIG. 2 is a schematic diagram of a data structure of a smart card information storage for a card multi-wallet according to the present invention;

3 is a flow chart of an embodiment of a transaction method of the present invention;

4 is a flow chart of an embodiment of the method for preventing and removing the power failure of the present invention;

5 is a flow chart of an embodiment of an anti-drawing treatment method after power-off and re-powering according to the present invention;

FIG. 6 is a schematic structural diagram of a terminal embodiment of a contactless smart card according to the present invention.

Preferred embodiment of the invention

The technical solution of the present invention will be described in detail below with reference to the accompanying drawings and preferred embodiments. the following The exemplified embodiments are only intended to illustrate and explain the present invention, and do not constitute a limitation of the technical solutions of the present invention.

As shown in FIG. 2, it is an embodiment of the data structure of the wallet information storage in the smart card for a card multi-wallet provided by the present invention, which is a tree structure. There may be one or more specific wallet types under the wallet type node, such as a wallet type characterized by a consumption amount, a wallet type 2 characterized by a consumption number, and a wall type 1 node. One or more wallets, such as the No. 1 wallet with corporate consumption as the main body, the No. 2 wallet with corporate consumption subsidies, and so on. Of course, in addition to the tree structure, the data structure of the wallet information storage of the present invention can also use a map structure or a mesh structure.

As shown in FIG. 3, the flow of an embodiment of a method for processing a smart card applied to a "multi-wallet" according to the present invention includes the following steps:

201, 202: The terminal sends an initialization request for the transaction to the smart card for a wallet on the smart card, and waits for an initialization response returned by the smart card;

203, 204: If the initialization response returned by the smart card is that the wallet balance is insufficient or the balance is out of date, and the card can be in the multi-wallet consumption situation (ie, there are multiple wallet type nodes in the tree structure shown in FIG. 2) Branch), the other wallet of the card also sends an initialization request for the transaction to the smart card, and according to the initialization response result returned by the smart card, it is determined whether the smart card can perform multi-wallet combination consumption. In order to make the terminal perform the anti-drawing process in time after the abnormality occurs in the smart card or the terminal, the present invention proposes to perform data backup, which is an essential part for ensuring the consistency of the data. The backup data, when it is backed up, directly affects the processing time of the terminal.

In the management of the wallet in the smart card, the present invention uses a tree structure as shown in Fig. 2, which improves the processing time of the terminal on the premise that the space for storing data can be saved. The data that needs to be backed up in this tree data structure is shown in Table 1 below.

Smart card backup data

First, when the terminal initializes the consumption, the terminal can set the transaction status of the wallet in the smart card, the type of the wallet, the number of wallets required, the total amount of each transaction, and the smart card identification (for example, by using the application serial number of the smart card), wherein , set the transaction status to the initial transaction. The terminal can gradually modify the transaction status during the transaction process, so that the terminal starts processing from the step indicated by the transaction status after the abnormality occurs, and recovers the information such as the wallet serial number, the number of wallets, and the total transaction amount according to the backup data.

205, 206: The consumption process starts, first, the terminal sends an initialization request to the PSAM, and the PSAM carries the first message authentication code (MAC1) of the verification information required by the transaction in the returned initialization response;

207-209: The terminal sends a transaction request to the smart card, and after the smart card is successfully verified, the smart card returns a transaction response;

In the previous steps, the terminal has initialized the information such as the wallet type of the smart card, the wallet serial number, the number of wallets required, the total transaction amount, and the smart card identification; before sending the transaction request to the smart card, the transaction status needs to be first Set to start trading and then send a trade request.

210, 211: The terminal transmits the MAC2 in the smart card transaction response result to the PSAM, and then receives the verification result of the transaction validity of the PSAM, and the terminal updates the transaction status to the transaction completion.

The transaction may begin with the wallet with the smallest serial number under the determined wallet type branch, or conversely, or start with any one of the serial number wallets.

If an abnormality occurs before the smart card returns the transaction response in the above step 209, the present invention performs the following anti-drawal processing according to the abnormality that the smart card leaves the sensing area of the terminal or the terminal is powered off:

(1) The terminal does not have a power failure, and the flow of the method for preventing the removal process is as shown in FIG. 4, and includes the following steps: Step 301: The terminal always searches for the smart card until the original card is found, or the operator forcibly stops the transaction. ;

Steps 302, 303: Read the original smart card MAC2 information, and verify the validity of the MAC2 information, if it is legal, go to step 304, otherwise go to step 305; Step 304: The transaction is completed, a new transaction record is generated, and the process ends;

Steps 305~307: The transaction does not occur. At this time, it is further determined whether the smart card is the No. 2 wallet in the combined wallet, and then the transaction is re-traded for the wallet, otherwise the process ends.

(2) The terminal is powered off, and the flow of the method for preventing the pull-out process is as shown in FIG. 5, and includes the following steps:

Step 401: After the terminal is powered off, the power is turned on again, and the backup file is first read;

The backup information is obtained from the backup file, and its contents are shown in Table 1.

Step 402: Determine whether the transaction is completed according to the transaction status in the read backup file, if yes, execute step 403; otherwise, end the process;

Step 403: According to the completion of the transaction, it is judged that the power-off prevention process is required;

Steps 404~406: According to the transaction record, it is determined whether the first wallet is in the middle of the transaction; if the wallet is in the middle of the transaction, the smart card is prompted to be put back into the sensing area to further determine whether the current transaction of the wallet in the smart card is completed. , is to store a record of transaction anomalies, and terminate the subsequent wallet transactions, otherwise the process ends.

The terminal determines whether the current transaction of the wallet in the smart card is completed, determines the currently used wallet according to the current wallet type, and reads the verification information MAC2 of the record in the smart card by using the serial number. If the verification information is successfully read, the smart card has been deducted, and the record in the card is inconsistent with the transaction record of the terminal. At this time, since the terminal device is powered off, the initialization information in the original PSAM is not retained, so the pen cannot be used. The transaction is verified, so that a new transaction serial number cannot be generated, and the terminal prompts that the transaction is abnormal. If the wallet is not in the process of trading (ie no transaction history), the prompt transaction does not occur and the process ends.

Step 407 410: If there is a combined wallet transaction, store the completed transaction record of the smart card other wallet (n-1, n is an integer greater than 1), and perform retransaction initialization processing for the other wallet without completing the transaction, specifically :

Step 407: If it is determined that there is a combined wallet transaction, if it continues to judge that the next wallet (such as the second wallet) is in the transaction;

Step 408: Continue to judge whether the transaction is completed, if yes, go to step 409, otherwise, perform step

410; Step 409: Store an abnormal transaction record, and end the process;

Step 410: Perform a re-transaction initialization operation on the wallet, and end the process.

The processing of the other three wallets (n-1) wallets may repeat step 407 410.

The present invention is directed to the foregoing method embodiments, and correspondingly, a terminal embodiment of a contactless smart card is provided. The structure of the terminal is as shown in FIG. 6. The terminal 500 includes a transaction initialization module 510, a database module 520, and a transaction execution module including a PSAM. 530 and an exception processing module 540, wherein: the transaction initialization module 510 is configured to set and/or back up the wallet information of the smart card into the database module 520 during the initialization process of the consumption, wherein at least the transaction status of the wallet is set as a transaction. Initially, the transaction execution module 530 outputs a transaction command;

The transaction initialization module 510 can determine the wallet transaction status, the wallet type, the wallet serial number, the number of wallets required for the smart card, the total transaction amount, and the smart card according to a tree data structure (or other data structure) of the smart card's wallet information. Information such as identification, as shown in Table 1.

The database module 520 is configured to store the foregoing backup information of the smart card;

The transaction progress module 530 is configured to perform a transaction according to the transaction command output by the transaction initialization module 510, and gradually update the transaction status of the wallet and perform a transaction record of the wallet during the transaction;

The transaction progress module 530 sets the transaction status to send a transaction request to the smart card after the transaction starts, and after performing the security verification on the smart card, the MAC2 in the transaction response returned by the smart card is verified by the PSAM, and the return is based on the PSAM. The legal verification result is processed, the consumption status of the stored wallet in the database module 520 is changed to consumption completion, and a new transaction record is generated.

The exception handling module 540 is configured to perform a corresponding pull-out process according to the transaction status of the current wallet of the smart card read from the database module 520 when the smart card or terminal power-off abnormality occurs during the transaction process of the monitoring transaction performing module 530.

The exception handling module 540 includes a first exception handling unit 5401 and/or a second exception handling unit.

5402, where:

The first exception processing unit 5401 is configured to process the abnormality of the smart card leaving the terminal sensing area, that is, instruct the transaction performing module 530 to perform the non-power-off abnormal processing; The second exception processing unit 5402 is configured to process the transaction execution module 530 to perform the pull-out processing of the power-off abnormality, that is, read the transaction status of the smart card backup data in the database module 520 after power-on, and if it is determined that the transaction has been completed, according to the transaction The record is used to determine whether the current wallet is in the process of conducting, and the transaction execution module 530 is instructed to perform the first power failure abnormality processing; if it is determined that the smart card has the combined wallet transaction, the transaction execution module 530 is instructed to perform the second power failure abnormality processing;

The transaction progress module 530 is further configured to: according to the indication of the non-power-off exception processing of the first exception processing unit 5401, after re-searching for the original smart card, the validity of the MAC2 information is read and verified by the PSAM, and the transaction is considered as a transaction. Complete, generate a new transaction record; if it is illegal, the transaction is not considered. If it is further determined that there are other wallets in the combined wallet in the smart card, the wallet is re-traded.

The transaction progress module 530 is further configured to prompt to re-set the smart card into the sensing area according to the instruction of the first power-off abnormality processing of the second abnormality processing unit 5402, and continue to determine whether the current transaction of the wallet is completed, and the storage transaction is abnormal. Recording, simultaneously terminating the transaction of the subsequent wallet; storing the transaction record of the other wallet of the smart card according to the instruction of the second power failure abnormality processing of the second abnormality processing unit 5402, and performing the process of re-transaction initialization for the other wallet without completing the transaction.

The invention performs necessary data backup when the smart card is initialized by the consumer terminal, including transaction status, wallet type, number of wallets required, current wallet serial number, total amount of each transaction, smart card identification (such as smart card serial number) and the like. And gradually modify the transaction status and its corresponding data during the transaction; thereby enabling the terminal to start processing from the step indicated by the transaction status after the occurrence of the abnormality, and recover the corresponding data, thereby enabling the transaction to be abnormally removed Continue on.

One of ordinary skill in the art will appreciate that all or a portion of the steps above may be accomplished by a program to instruct the associated hardware, such as a read-only memory, a magnetic disk, or an optical disk. Alternatively, all or part of the steps of the above embodiments may also be implemented using one or more integrated circuits. Correspondingly, each module/unit in the above embodiment may be implemented in the form of hardware or in the form of a software function module. The invention is not limited to any specific form of combination of hardware and software.

The embodiments attached to the present specification are some typical examples embodying the inventive concept, and other embodiments embodying the design of the present invention are not excluded. Without departing from the spirit and spirit of the invention, Corresponding changes and modifications are intended to be included within the scope of the appended claims.

Industrial applicability

The terminal for the contactless card and the method for processing the abnormality provided by the invention, perform necessary data backup when the smart card is initialized by the consumer terminal, and gradually modify the transaction state and its corresponding data in the transaction process; The terminal can enable the terminal to start processing from the step indicated by the transaction state after the terminal or smart card abnormality occurs, and restore the corresponding data, so that the transaction can continue after the abnormal removal.

Claims

Claim

A method for processing an abnormality of a terminal of a contactless card, wherein the card comprises a smart card, and the method comprises:

2. The method according to claim 1, wherein in the step of setting and/or backing up the wallet information of the smart card,

3. The method according to claim 1 or 2, wherein the step of the terminal gradually updating the transaction status of the wallet during the transaction process comprises:

After setting the transaction status as a transaction start, sending a transaction request to the smart card, and after receiving the security verification of the smart card, receiving a transaction response returned by the smart card;

4. The method of claim 3, wherein before the step of receiving the transaction response returned by the smart card, the method further comprises:

If the smart card leaves the sensing area of the terminal during the transaction, the terminal searches for and verifies the validity of the MAC 2 information through the PSAM after re-searching for the smart card. If the MAC 2 information is legal, it is determined that the transaction is completed, and new transaction information is generated; if the MAC 2 information is not legal, it is determined that the transaction has not occurred, and if further determined The smart card has a wallet other than the wallet in the combined wallet, and re-transacts the wallet except the wallet in the combined wallet.

5. The method of claim 3, wherein before the step of receiving the transaction response returned by the smart card, the method further comprises:

The terminal has an abnormality of power failure during the transaction and reads the transaction status of the backed wallet after power-on, and if it is determined that the transaction status is completed, the wallet is determined to be in a transaction according to the transaction information. In progress, the smart card is prompted to be put back into the sensing area. If it is further determined that the current transaction status of the wallet is the transaction completion, the transaction abnormal record is stored, and the subsequent wallet transaction is terminated; if it is further determined that the smart card has a combination The wallet transaction stores the transaction information of the smart card combination wallet in which the wallet other than the wallet has been completed, and the re-transaction initialization process for the wallet that has not completed the transaction.

6. A terminal for a contactless card, comprising a transaction initialization module, a database module, a transaction execution module, and an exception processing module, wherein the card comprises a smart card, wherein:

The database module is configured to store wallet information of the smart card set and/or backed up; the transaction performing module is configured to perform a transaction according to the transaction command output by the transaction initialization module, and during the transaction process Gradually updating the transaction status of the wallet, and recording the transaction information of the wallet;

7. The terminal according to claim 6, wherein

The transaction initialization module is configured to set and/or back up the wallet information in the smart card through a tree data structure, where the root node of the tree structure is a wallet type, and the child nodes of the root node are one or a plurality of wallet types, each wallet type includes one or n wallets, where n is an integer greater than 1; the wallet information in the smart card includes the wallet type and the wallet serial number in addition to the transaction status of the wallet , the number of wallets required for the smart card, the total transaction amount, and One or more of the smart card identification information.

8. The terminal according to claim 6 or 7, wherein the transaction execution module includes a consumer security access module PSAM, wherein:

9. The terminal according to claim 8, wherein the exception processing module comprises a first exception processing unit, wherein:

10. The terminal according to claim 9, wherein the exception processing module further comprises a second exception processing unit, wherein:

The second abnormality processing unit is configured to: when the transaction execution module generates a power failure abnormality and after powering on, read the transaction status of the wallet backed up in the database module, and if the transaction status is determined to be a transaction completion And determining, according to the transaction information, whether the current wallet is in the process of conducting, if the current wallet is in the transaction, instructing the transaction performing module to perform the first power failure abnormality processing; if it is determined that the smart card has the combined wallet transaction, the indication The transaction execution module performs the second power failure exception processing;

The transaction performing module is further configured to: re-input the smart card into the sensing area according to the instruction of the first power-off abnormality processing, and determine whether the current transaction status of the wallet is a transaction completion, If the current transaction status of the wallet is a transaction completion, storing a record of the transaction abnormality, and terminating the transaction of the subsequent wallet; and/or storing the smart card combination wallet in addition to the wallet according to the indication of the second power failure abnormality processing The completed transaction information of the wallet, and the re-transaction initialization process for the wallet that has not completed the transaction.