一种非接触智能卡及其支持不同银行支付业务的方法 技术领域 Non-contact smart card and method for supporting different bank payment services
[0001] 本发明涉及银行卡的支付方法, 尤其涉及通过非接触智能卡与不同的银行账户绑 定实现不同银行的支付业务的方法。 [0001] The present invention relates to a payment method for a bank card, and more particularly to a method for realizing payment services of different banks by binding a smart card with a different bank account.
背景技术 Background technique
[0002] 当今, 银行磁条卡作为是最主要的电子支付工具, 发行量己经有几十亿张; 随着 这种支付工具的广泛使用, 其本身存在的缺陷导致金融支付领域的安全弊端越来越凸显。 例如, 由于银行磁条卡本身容易被复制,在其密码泄露情况下,很容易造成持卡用户账户 上资金的巨大损失。 目前,越来越多的金融机构意识到银行磁条卡使用的诸多弊端,从而 导致这些金融机构逐步以智能卡取代银行磁条卡。由于智能卡很难被复制,即使密码被非 法获取, 依然能确保资金安全。 同时, 由于智能卡上具有电子钱包和电子存折账户, 可以 实现脱机支付功能。 目前,很多银行发行了接触式智能卡,只是接触式智能卡在需要快速 支付场合不是很方便, 比如,不适合用于乘坐公交车,而非接触智能卡则在不降低安全支 付的同时更方便用户。 [0002] Today, bank magnetic stripe cards are the most important electronic payment tools, and the circulation has been several billions. With the widespread use of such payment instruments, their own defects have led to security drawbacks in the financial payment field. More and more prominent. For example, since the bank magnetic stripe card itself is easily copied, in the case of a password leak, it is easy to cause a huge loss of funds on the card user account. At present, more and more financial institutions are aware of the many drawbacks of the use of bank magnetic stripe cards, which has led these financial institutions to gradually replace bank magnetic stripe cards with smart cards. Since smart cards are difficult to copy, even if the password is illegally obtained, the funds are secured. At the same time, offline payment can be realized because of the electronic wallet and electronic passbook account on the smart card. At present, many banks issue contact smart cards, but contact smart cards are not very convenient in situations where fast payment is required. For example, it is not suitable for taking buses, and not touching smart cards is more convenient for users without reducing security payments.
[0003]但是, 目前金融支付领域使用的智能卡均为不同的银行发行, 发给用户时这些智 能卡一般都与用户的银行主账户关联,一张智能卡只能关联一个主账户。从与该智能卡关 联的主账户上联机消费,从与该智能卡关联的主账户上圈存扣款。这样,该智能卡不能实 现其它账户、 其它银行的业务功能, 限制了持卡用户的便捷性。 确 认 本
[0004] 为了克服上述智能卡使用的局限性, 本发明提供一种非接触卡支持不同银行业务 的支付方法, 实现智能卡的跨行、 多账户的支付业务。 [0003] However, the smart cards currently used in the financial payment field are issued by different banks. When issued to users, these smart cards are generally associated with the user's bank master account, and a smart card can only be associated with one master account. The online account is consumed from the primary account associated with the smart card, and the debit is charged from the primary account associated with the smart card. In this way, the smart card cannot implement the business functions of other accounts and other banks, which limits the convenience of the card user. Confirmation [0004] In order to overcome the limitations of the above smart card usage, the present invention provides a payment method for a non-contact card to support different banking services, and realizes a cross-line and multi-account payment service of the smart card.
发明内容 Summary of the invention
[0005] 本发明要解决的技术问题在于: 上述现有技术中发行的智能卡不能支持跨行、 多 账户的支付业务的技术缺陷。 [0005] The technical problem to be solved by the present invention is that the smart card issued in the above prior art cannot support the technical defect of the payment service of the inter-bank and multi-account.
[0006] 为实现本发明的目的, 本发明供了一种非接触智能卡支持不同银行支付业务的方 法-由非接触智能卡与不同银行的不同账户进行绑定,实现与该非接触智能卡绑定的银行 ¾户的联机交易,从与该非接触智能卡绑定的银行账户上扣款实现该非接触智能卡的圈存 交易, 从而实现该智能卡跨行多账户的支付功能。 所述方法包括以下步骤- [0006] In order to achieve the object of the present invention, the present invention provides a method for a contactless smart card to support different bank payment services - binding of a contactless smart card to different accounts of different banks to implement binding with the contactless smart card The online transaction of the bank 3⁄4 households realizes the deposit transaction of the contactless smart card by deducting the bank account bound to the contactless smart card, thereby realizing the payment function of the smart card inter-bank multi-account. The method comprises the following steps -
A、 由绑定终端、 银行主机、 银行处理机、 第三方处理机、 支付终端及通讯网络组建支付 系统; A. Forming a payment system by a binding terminal, a bank host, a bank processor, a third party processor, a payment terminal, and a communication network;
B、 在上述支付系统上建立非接触智能卡与银行胀户的绑定关系; B. Establish a binding relationship between the contactless smart card and the bank expansion on the above payment system;
C、通过上述绑定关系, 使用该非接触智能卡实现与该非接触智能卡绑定的银行账户的支 付业务。 C. The payment service of the bank account bound to the contactless smart card is implemented by using the contactless smart card by using the above binding relationship.
[θθο [θθο
本方法中所述第三方是指相对于支付中的持卡用户和银行而言的另外一个单位。在本方法 中第三方起到桥梁作用,持卡用户在绑定终端上绑定非接触智能卡与银行¾户时由银行处 理机将绑定关系发送到第三方处理机;持卡用户在支付终端上支付时,由第三方处理机向 银行处理器发送交易请求。 The third party in the method refers to another unit relative to the card user and the bank in the payment. In this method, the third party acts as a bridge. When the card user binds the contactless smart card to the bank 3⁄4 household on the binding terminal, the bank processor sends the binding relationship to the third party processor; the card user is at the payment terminal. At the time of the payment, the third party processor sends a transaction request to the bank processor.
[0008J 本方法中所述非接触智能卡, 由支付系统中的一家银行发行或者第三方发行, 非
接触智能卡上的消费密钥与支付终端终端中 SAM卡上的消费密钥关联。 [0008] The contactless smart card in the method is issued by a bank in a payment system or issued by a third party, The consumer key on the contact smart card is associated with the consumer key on the SAM card in the payment terminal terminal.
[0009] [0009]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式, 上述步骤 B 包括以下步骤-According to the preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the above step B includes the following steps -
Bl、 绑定终端读取银行账户的账号; Bl, the binding terminal reads the account of the bank account;
B2、 绑定终端读取非接触智能卡的卡号; 向银行处理机发送绑定请求, 请求信息中包含 非接触智能卡的卡号和银行账户的账号; B2. The binding terminal reads the card number of the contactless smart card; sends a binding request to the bank processor, where the request information includes the card number of the contactless smart card and the account of the bank account;
B3、 银行处理机接收该绑定请求; 记录该请求信息中非接触智能卡的卡号和银行账户的 账号的绑定关系; 向第三方处理机发送绑定请求,请求信息中包含该绑定关系的非接触智 能卡的卡号和银行账户的部分账号; B3. The bank processor receives the binding request; records a binding relationship between the card number of the contactless smart card and the account of the bank account in the request information; sends a binding request to the third-party processor, where the request information includes the binding relationship The card number of the contactless smart card and part of the account of the bank account;
B4、 第三方处理机接收该绑定请求; 记录请求信息中非接触智能卡的卡号和银行账户的 部分账号的绑定账户,其中,该绑定账户的内容包括非接触智能卡的卡号、银行账户的部 分账号、与非接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡上的电子 存折同步的电子存折余额值; B4. The third-party processor receives the binding request; records the card number of the contactless smart card in the request information and the binding account of the partial account of the bank account, wherein the content of the binding account includes the card number of the contactless smart card, and the bank account a partial account number, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and an electronic passbook balance value synchronized with the electronic passbook on the contactless smart card;
B5、绑定终端读取另外一个银行账户的账号, 并执行上述步骤 B2、 B3、 B4; 建立该非接 触智能卡与另外一个银行账户的绑定关系; B5. The binding terminal reads the account of another bank account, and performs the above steps B2, B3, and B4; and establishes a binding relationship between the non-contact smart card and another bank account;
B6、 重复执行上述 B5步骤, 建立该非接触智能卡与多个银行账户的绑定关系。 B6. Repeat the above step B5 to establish a binding relationship between the contactless smart card and multiple bank accounts.
[0010] [0010]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式, 上述步骤 B3 中银行处理机记录的绑定关系:
所述绑定关系包括绑定账户,所述绑定账户的内容包括非接触智能卡的卡号、银行账户的 账号、与非接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡上的电子存 折同步的电子存折余额值。 According to the preferred implementation manner of the method for supporting different bank payment services by the above-mentioned contactless smart card, the binding relationship recorded by the bank processor in the above step B3: The binding relationship includes a binding account, and the content of the binding account includes a card number of the contactless smart card, an account number of the bank account, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and a non-contact smart card The electronic passbook balance value of the electronic passbook synchronization.
[0011] [0011]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式, 上述步骤 B 进一步包括以下步骤: According to the preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the above step B further includes the following steps:
B7、 银行处理机在接收绑定请求后, 向银行主机发送绑定请求, 请求信息中包含该绑定 关系的非接触智能卡的卡号和银行账户的账号; B7. After receiving the binding request, the bank processor sends a binding request to the bank host, where the request information includes the card number of the contactless smart card and the account number of the bank account;
B8、 银行主机接收该绑定请求; 建立请求信息中非接触智能卡的卡号和银行账户的账号 对应的绑定账户,所述绑定账户的内容包括非接触智能卡的卡号、银行账户的账号、与非 接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡上的电子存折同步的电 子存折余额值。 B8. The bank host receives the binding request; and establishes a binding account corresponding to the card number of the contactless smart card and the account of the bank account in the request information, where the content of the binding account includes a card number of the contactless smart card, an account number of the bank account, and The electronic wallet balance value of the electronic wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card.
【0012】 [0012]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式, 上述步骤 B 进一步包括以下步骤-According to a preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the above step B further includes the following steps -
B9、 第三方处理机经由银行处理机和绑定终端在非接触智能卡上记录与该非接触智能卡 绑定的银行账户的部分账号;或者,银行处理机经由绑定终端在非接触智能卡上记录与该 非接触智能卡绑定的银行账户的部分账号;或者,绑定终端在非接触智能卡上记录与该非 接触智能卡绑定的银行账户的部分账号。 B9. The third-party processor records, on the contactless smart card, a partial account of the bank account bound to the contactless smart card via the bank processor and the binding terminal; or the bank processor records on the contactless smart card via the binding terminal. The partial account of the bank account bound by the contactless smart card; or the binding terminal records a part of the account of the bank account bound to the contactless smart card on the contactless smart card.
【0013】
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式, 上述步骤 C 中所述银行账户的支付业务包括-[0013] According to a preferred implementation manner of a method for supporting a different bank payment service by the above-mentioned contactless smart card, the payment service of the bank account in the above step C includes -
D、 联机消费业务; D, online consumer business;
E、 圈存业务; E, storage business;
F、 脱机消费业务。 F, offline consumer business.
【0014】 [0014]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式,上述联机消费 业务包括以下步骤: According to a preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the online consumer service includes the following steps:
Dl、 支付终端读取非接触智能卡的卡号信息; Dl. The payment terminal reads the card number information of the contactless smart card;
支付终端读取非接触智能卡上记录的银行账户部分账号的列表信息;或者,支付终端向第 三方处理机发送包含该非接触智能卡的卡号的绑定关系查询请求,第三方处理机将与该非 接触智能卡绑定的所有银行账户的部分账号的列表信息应答给支付终端; The payment terminal reads the list information of the account number of the bank account recorded on the contactless smart card; or the payment terminal sends a binding relationship query request containing the card number of the contactless smart card to the third-party processor, and the third-party processor and the non-contact processor The list information of the partial accounts of all the bank accounts that are contacted by the smart card is answered to the payment terminal;
支付终端显示与该非接触智能卡绑定的所有银行账户的部分账号列表信息; The payment terminal displays partial account list information of all bank accounts bound to the contactless smart card;
支付终端记录用户从账户列表中选择的一个银行账户的部分账号; The payment terminal records a part of the account of a bank account selected by the user from the account list;
D2、 支付终端读取持卡用户输入的消费金额及用户选择的绑定银行账户的密码; 向第三 方处理机发送联机消费请求,请求信息中包含非接触智能卡的卡号、银行账户的部分账号、 该银行账户的密码、 联机消费金额; D2. The payment terminal reads the consumption amount input by the card user and the password of the bound bank account selected by the user; sends an online consumption request to the third-party processor, where the request information includes the card number of the contactless smart card, part of the account of the bank account, The password of the bank account and the amount of online consumption;
D3、 第三方处理机接收该联机消费请求; 将该联机消费请求发送到银行处理机; D3. The third-party processor receives the online consumption request; and sends the online consumption request to the bank processor;
D4、 银行处理机接收该联机消费请求; 根据请求信息中的非接触智能卡的卡号和银行账 户的部分账号在绑定关系中找到该银行账户的完整账号; 向银行主机发送联机消费请求;
请求信息中包含银行账户的完整账号、 消费金额、 该银行账户密码; D4. The bank processor receives the online consumption request; according to the card number of the contactless smart card in the request information and a part of the account of the bank account, the complete account of the bank account is found in the binding relationship; and the online consumption request is sent to the bank host; The request information includes the complete account number of the bank account, the amount of consumption, and the password of the bank account;
D5、 银行主机从该银行账户上扣款; 将联机消费结果应答给银行处理机; D5. The bank host deducts the bank account; the online consumption result is answered to the bank processor;
D6、 银行处理机接收该银行联机消费结果; 将联机消费结果应答给第三方处理机, 应答 信息中包含联机消费执行结果、 非接触智能卡的卡号、 银行账户的部分账号; D6. The bank processor receives the online consumption result of the bank; and sends the online consumption result to the third-party processor, where the response information includes an online consumption execution result, a card number of the contactless smart card, and a partial account of the bank account;
D7、 第三方处理机接收该应答信息, 完成后续业务。 D7. The third-party processor receives the response message and completes the subsequent service.
[0015] [0015]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式,上述圈存业务 包括以下步骤: According to a preferred embodiment of the method for supporting a different bank payment service by the above-mentioned contactless smart card, the foregoing ring storage service includes the following steps:
El、 支付终端读取非接触智能卡的卡号信息; El, the payment terminal reads the card number information of the contactless smart card;
支付终端读取非接触智能卡上记录的银行账户部分账号的列表信息;或者,支付终端向第 三方处理机发送包含该非接触智能卡的卡号的绑定关系査询请求,第三方处理机将与该非 接触智能卡绑定的所有银行账户的部分账号的列表信息应答给支付终端; The payment terminal reads the list information of the account number of the bank account recorded on the contactless smart card; or the payment terminal sends a binding relationship query request containing the card number of the contactless smart card to the third-party processor, and the third-party processor will The list information of some accounts of all bank accounts bound by the contactless smart card is answered to the payment terminal;
支付终端显示与该非接触智能卡绑定的所有银行账户的部分账号列表信息; The payment terminal displays partial account list information of all bank accounts bound to the contactless smart card;
支付终端记录用户从账户列表中选择的一个银行账户的部分账号; The payment terminal records a part of the account of a bank account selected by the user from the account list;
E2、 支付终端读取持卡用户输入的圈存类型、 圈存金额及用户选择的绑定银行账户的密 码; 向第三方处理机发送圈存请求,请求信息中包含非接触智能卡的卡号、银行账户的部 分账号、 圈存金额、 该银行账户密码; E2. The payment terminal reads the type of the deposit entered by the card user, the amount of the deposit, and the password of the bound bank account selected by the user; sends a request to the third-party processor, the request information includes the card number of the contactless smart card, and the bank Part of the account, the amount of the account, the bank account password;
E3、 第三方处理机接收该圈存请求, 将该圈存请求发送到银行处理机; E3. The third-party processor receives the storage request, and sends the storage request to the bank processor;
E4、 银行处理机接收该圈存请求; 根据请求信息中的非接触智能卡的卡号和银行账户的 部分账号在绑定关系中找到该银行账户的完整账号; 向银行主机发送圈存请求,圈存请求
中包含非接触智能卡的卡号、 银行账户的完整账号、 圈存金额、 该银行账户密码; E4. The bank processor receives the deposit request; according to the card number of the contactless smart card in the request information and a part of the account of the bank account, find the complete account of the bank account in the binding relationship; send a circle request to the bank host, and save the deposit Request The card number of the contactless smart card, the complete account number of the bank account, the amount of the deposit, and the password of the bank account;
E5、 银行主机从该银行账户上扣款; E5. The bank host debits the bank account;
如果在银行主机上建立了绑定账户,则对圈存请求中的非接触智能卡的卡号和银行账户的 账号对应的绑定账户的电子钱包余额值或电子存折余额值加值; If a binding account is established on the bank host, the card number of the contactless smart card in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account are added;
银行主机将扣款结果信息应答给银行处理机; The bank host responds to the bank processor with the result of the deduction;
E6、 银行处理机接收该银行主机发送的扣款结果信息; E6. The bank processor receives the deduction result information sent by the bank host;
如果在银行处理机上建立了绑定账户,则对圈存请求中的非接触智能卡的卡号和银行账户 的账号对应的绑定账户的电子钱包余额值或电子存折余额值加值; If a binding account is established on the bank processor, the card number of the contactless smart card in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account are added;
银行处理机向第三方处理机应答扣款结果信息,扣款结果信息中包含扣款执行结果、非接 触智能卡的卡号、 银行账户的部分账号; The bank processor answers the deduction result information to the third-party processor, and the deduction result information includes the deduction execution result, the card number of the non-contact smart card, and a part account of the bank account;
E7、 第三方处理机接收该扣款结果信息; E7. The third-party processor receives the information of the deduction result;
经由支付终端对非接触智能卡执行圈存操作; Performing a ring operation on the contactless smart card via the payment terminal;
对圈存请求中的非接触智能卡的卡号和银行账户部分账号对应的绑定账户的电子钱包余 额值或电子存折余额值加值; 圈存业务完成。 The card number of the contactless smart card in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the bank account part account are added; the circle storage service is completed.
[0016] [0016]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式,上述脱机消费 业务包括以下步骤: According to a preferred embodiment of the method for supporting different bank payment services by a contactless smart card, the offline consumer service includes the following steps:
Fl、 支付终端接受非接触智能卡完成脱机消费业务; Fl, the payment terminal accepts the contactless smart card to complete the offline consumption business;
F2、 支付终端将脱机消费记录上报到第三方处理机; F2. The payment terminal reports the offline consumption record to the third-party processor;
F3、 第三方处理机验证该脱机消费记录的完整性和有效性;
F4、 第三方处理机读取脱机消费记录中非接触智能卡的卡号; F3. The third-party processor verifies the integrity and validity of the offline consumption record; F4. The third-party processor reads the card number of the contactless smart card in the offline consumption record;
通过该非接触智能卡的卡号找到与该非接触智能卡绑定的银行账户的部分账号,对该非接 触智能卡与银行账户的部分账号对应的绑定关系的电子钱包余额值或电子存折余额值减 值; A part of the account of the bank account bound to the contactless smart card is found by the card number of the contactless smart card, and the electronic wallet balance value or the electronic passbook balance value of the binding relationship corresponding to the contact account of the contactless smart card and the bank account is depreciated. ;
向银行处理机发送脱机消费请求,请求信息中包含非接触智能卡的卡号、银行账户的部分 账号、 消费金额; Sending an offline consumption request to the bank processor, the request information includes a card number of the contactless smart card, a partial account number of the bank account, and a consumption amount;
F5、 银行处理机接收该脱机消费请求, 根据请求信息中的非接触智能卡的卡号和银行账 户的部分账号找到该银行账户的完整账号; F5. The bank processor receives the offline consumption request, and finds a complete account of the bank account according to the card number of the contactless smart card in the request information and a part of the account of the bank account;
如果在银行处理机上建立了绑定账户,则对脱机消费请求中的非接触智能卡的卡号和银行 账户的账号对应的绑定账户的电子钱包余额值或电子存折余额值减值; If a binding account is established on the bank processor, the card number of the contactless smart card in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account are devalued;
F6、 如果在银行主机上建立了绑定账户, 银行处理机向银行主机发送脱机消费请求, 请 求信息中包含非接触智能卡的卡号、 银行账户的完整账号、 消费金额; F6. If a binding account is established on the bank host, the bank processor sends an offline consumption request to the bank host, and the request information includes the card number of the contactless smart card, the complete account number of the bank account, and the consumption amount;
银行主机接收该银行处理机发送的脱机消费请求;对脱机消费请求中的非接触智能卡的卡 号和银行账户的账号对应的绑定账户的电子钱包余额值或电子存折余额值减值; 将结果信息应答给银行处理机; The bank host receives the offline consumption request sent by the bank processor; the card number of the contactless smart card in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account; The result message is answered to the bank processor;
F7、 银行处理机向第三方处理机应答脱机消费结果, 结果信息中包含处理结果、 非接触 智能卡的卡号、 银行账户的部分账号、 消费金额; F7. The bank processor answers the offline consumption result to the third-party processor, and the result information includes the processing result, the card number of the contactless smart card, the partial account number of the bank account, and the consumption amount;
F8、 第三方处理机接收该应答信息; 脱机消费业务完成。 F8. The third-party processor receives the response message; the offline consumer service is completed.
[0017] [0017]
根据上述一种非接触智能卡支持不同银行支付业务的方法的优选实施方式,上述银行账户
包括与银行存折对应的银行主胀户、 与银行磁条卡对应的银行主账户、 与银行智能 IC卡 对应的银行主 ¾户。非接触智能卡绑定银行存折对应的银行主账户而实现交易,扩展了银 行存折的支付范围;非接触智能卡绑定银行磁条卡对应的银行主账户而实现交易,提高了 银行磁条卡交易的安全性。 非接触智能卡绑定银行智能 ic卡对应的银行主¾户而实现交 易, 兼容了扩展了银行智能 ic卡的支付模式。 A preferred embodiment of a method for supporting different bank payment services according to the above-described contactless smart card, said bank account It includes the bank main expansion account corresponding to the bank passbook, the bank main account corresponding to the bank magnetic stripe card, and the bank owner 3⁄4 household corresponding to the bank smart IC card. The contactless smart card is bound to the bank master account corresponding to the bank passbook to realize the transaction, and the payment range of the bank passbook is expanded; the contactless smart card is bound to the bank master account corresponding to the bank magnetic stripe card to realize the transaction, and the bank magnetic stripe card transaction is improved. safety. The contactless smart card is bound to the bank master 3⁄4 household corresponding to the bank smart IC card, and is compatible with the payment mode that extends the bank smart IC card.
[0018] [0018]
本发使用非接触智能卡与不同银行的不同账户进行绑定的方式,有效地解决了由一张非接 触智能卡支持不同银行的支付业务的问题。在交易业务时,使用非接触智能卡,联机业务 时使用主账户密码, 使用户银行账户与银行账户密码无需同时出现, 提高了磁条卡账户、 存折¾户等支付的安全性。可以看出,本方法降低了使用智能卡的成本,提高了支付的安 全性, 又方便了用户。 The use of contactless smart cards to bind different accounts of different banks effectively solves the problem of supporting payment services of different banks by a non-contact smart card. In the transaction business, the contactless smart card is used, and the online account service uses the master account password, so that the user bank account and the bank account password do not need to appear at the same time, thereby improving the security of the magnetic stripe card account, the passbook, and the like. It can be seen that the method reduces the cost of using the smart card, improves the security of payment, and is convenient for the user.
[0019] [0019]
附图说明 DRAWINGS
[0020] 图 1是本发明的网络结构图。 其中- * 1 is a network structure diagram of the present invention. among them- *
11〜19为若干个银行处理机; 11 to 19 are a number of bank processors;
21为与银行处理机 11连接的银行主机, 29为与银行处理机 19连接的银行主机; 21 is a bank host connected to the bank processor 11, and 29 is a bank host connected to the bank processor 19;
311〜319为与银行处理机 11连接的若干个绑定终端, 391〜399为与银行处理机 19连接 的若干个绑定终端; 311 to 319 are a plurality of binding terminals connected to the bank processor 11, and 391 to 399 are a plurality of binding terminals connected to the bank processor 19;
8为第三方处理机; 8 is a third-party processor;
51为电力局处理机, 52为供水局处理机, 59为其它单位处理机;
61〜69为与第三方处理机 8连接的支付终端; 51 is the power bureau processor, 52 is the water bureau processor, and 59 is the other unit processor; 61 to 69 are payment terminals connected to the third-party processor 8;
4为银行账户; 4 is a bank account;
9为非接触智能卡; 9 is a contactless smart card;
11、 21、 311〜319归为一家银行, 19、 29、 391〜399归为另一家银行。 11, 21, 311 ~ 319 classified as a bank, 19, 29, 391 ~ 399 classified as another bank.
[0021] [0021]
具体实施方式 Detailed ways
[0022] 实施例一: 根据图 1所示, 说明本方法的原理。 [0022] Embodiment 1: The principle of the method is illustrated according to FIG. 1.
[0023] 1、 由绑定终端 311〜319和 391〜399、 银行主机 21和 29、 银行处理机 11〜19、 第三方处理机 8、 支付终端 61〜69及通讯网络组建支付系统; [0023] 1. The payment system is formed by the binding terminals 311 to 319 and 391 to 399, the bank hosts 21 and 29, the bank processors 11 to 19, the third party processor 8, the payment terminals 61 to 69, and the communication network;
2、 通过上述支付系统建立非接触智能卡 9与银行账户 4的绑定关系; 绑定终端 311读取 银行账户 4的账号和非接触智能卡 9的卡号, 向银行处理机 11发送绑定请求; 银行处理 机 11记录该绑定关系, 并将包含银行 ¾户 4的部分 ¾号和非接触智能卡 9的卡号绑定请 求发送到第三方处理机 8; 第三方处理机 8记录银行账户 4的部分账号和非接触智能卡 9 的卡号的绑定请求; 2. Establishing a binding relationship between the contactless smart card 9 and the bank account 4 through the above payment system; the binding terminal 311 reads the account number of the bank account 4 and the card number of the contactless smart card 9, and sends a binding request to the bank processor 11; The processor 11 records the binding relationship, and sends a card number binding request including the part number of the bank 4⁄4 and the contactless smart card 9 to the third party processor 8; the third party processor 8 records part of the account of the bank account 4. Binding request with the card number of the contactless smart card 9;
3、 通过上述绑定关系, 使用非接触智能卡 9实现与非接触智能卡 9绑定的银行 ¾户 4的 支付业务; 支付终端 61接受非接触智能卡 9与接受银行账户 4的密码, 实现联机消费交 易、圈存交易,支付终端 61接受非接触智能卡 9实现脱机消费交易:支付终端 61将交易 请求发送到第三方处理机 8; 第三方处理机 8将包含非接触智能卡 9的卡号、 银行账户 4 的部分账号、 银行 ¾户 4密码、 交易金额的交易请求发送到银行处理机 11 ; 银行处理机 Π根据交易请求中非接触智能卡 9的卡号和银行张户 4的部分账号找到银行账户 4的完
整账号, 向银行主机 21发起交易请求。 3. Through the above binding relationship, the non-contact smart card 9 is used to implement the payment service of the bank 3⁄4 household 4 bound to the contactless smart card 9; the payment terminal 61 accepts the password of the contactless smart card 9 and accepts the bank account 4, and realizes online consumption transaction. The transaction terminal 61 accepts the contactless smart card 9 to implement offline consumption transactions: the payment terminal 61 sends the transaction request to the third party processor 8; the third party processor 8 will include the card number of the contactless smart card 9, bank account 4 The partial account number, the bank account number, the transaction amount of the transaction request are sent to the bank processor 11; the bank processor 找到 finds the bank account 4 according to the card number of the contactless smart card 9 in the transaction request and part of the bank account 4 account number The entire account, initiates a transaction request to the bank host 21.
[0024] 因为银行账户 4只在绑定时候在绑定终端 311上使用一次, 在后续的交易中都是 使用非接触智能卡 9, 非接触智能卡 9不容易被破解与复制, 不容易通过非接触智能卡 9 获取银行账户 4的账号, 提高了支付环节的安全性。 [0024] Since the bank account 4 is used only once on the binding terminal 311 at the time of binding, the contactless smart card 9 is used in subsequent transactions, and the contactless smart card 9 is not easily cracked and copied, and is not easily passed through the non-contact. The smart card 9 obtains the account number of the bank account 4, which improves the security of the payment link.
[0025] 非接触智能卡 9在支付系统上绑定不同的银行账户, 则可以实现不同银行账户的 支付业务, 从而实现本发明的目的。 [0025] The contactless smart card 9 binds different bank accounts on the payment system, and can implement payment services of different bank accounts, thereby achieving the object of the present invention.
【0026】 [0026]
实施例二: 根据图 1所示, 建立非接触智能卡与银行账户的绑定关系。 Embodiment 2: According to FIG. 1, the binding relationship between the contactless smart card and the bank account is established.
[0027] 1、 绑定终端 311读取银行账户 4的账号; [0027] 1. The binding terminal 311 reads the account of the bank account 4;
2、绑定终端 311读取非接触智能卡 9的卡号; 向银行处理机 11发送绑定请求,请求信息 中包含非接触智能卡 9的卡号和银行账户 4的账号; 2. The binding terminal 311 reads the card number of the contactless smart card 9; sends a binding request to the bank processor 11, the request information including the card number of the contactless smart card 9 and the account number of the bank account 4;
3、银行处理机 11接收该绑定请求;记录该请求信息中非接触智能卡 9的卡号和银行账户 4的账号的绑定关系; 向第三方处理机 8发送绑定请求, 请求信息中包含该绑定关系的非 接触智能卡 9的卡号和银行账户 4的部分账号; 3. The bank processor 11 receives the binding request; records the binding relationship between the card number of the non-contact smart card 9 and the account of the bank account 4 in the request information; sends a binding request to the third-party processor 8, and the request information includes the The card number of the contactless smart card 9 and the partial account of the bank account 4;
4、 第三方处理机 8接收该绑定请求; 记录请求信息中非接触智能卡 9的卡号和银行账户 4的部分账号的绑定账户, 其中, 该绑定账户的内容包括非接触智能卡 9的卡号、 银行账 户 4的部分账号、与非接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡 上的电子存折同步的电子存折余额值。 绑定关系建立完成。 4. The third-party processor 8 receives the binding request; records the card number of the non-contact smart card 9 in the request information and the binding account of the partial account of the bank account 4, wherein the content of the binding account includes the card number of the contactless smart card 9. The partial account number of the bank account 4, the electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card. The binding relationship is established.
[0028] 使用不同的银行账户, 重复以上步骤, 则可以建立非接触智能卡 9与多个银行账 户的绑定关系。
[0029] 银行处理机 11向第三方处理机 8发送绑定请求时只包含银行账户 4的部分账号, 目的是避免不法份子可以从第三方同时得到银行账户 4的完整账号和密码,保证系统的安 全性,用户在支付终端上选择银行账户 4的部分账号时,由银行处理机记录的绑定关系中 又可以得到银行账户 4的完整账号。 [0028] Using the different bank accounts, the above steps are repeated, and the binding relationship between the contactless smart card 9 and the plurality of bank accounts can be established. [0029] When the bank processor 11 sends the binding request to the third-party processor 8, only part of the account of the bank account 4 is included, so as to prevent the illegal agent from obtaining the complete account and password of the bank account 4 from the third party at the same time, and ensuring the system's Security, when the user selects a part of the account of the bank account 4 on the payment terminal, the complete account of the bank account 4 can be obtained in the binding relationship recorded by the bank processor.
[0030] 第三方处理机 8记录请求信息中非接触智能卡 9的卡号和银行账户 4的部分账号 的绑定账户,用于记录非接触智能卡 9的执行圈存业务与脱机消费业务时记录非接触智能 卡 9当前电子钱包和电子存折的余额,从而可以判断非接触智能卡 9是否出现消费总金额 大于圈存总金额的异常情况。 [0030] The third-party processor 8 records the card number of the contactless smart card 9 in the request information and the binding account of the partial account of the bank account 4, and records the non-contact smart card 9 when the execution of the deposit service and the offline consumption service are recorded. Contacting the balance of the current electronic wallet and the electronic passbook of the smart card 9 can thereby determine whether the non-contact smart card 9 has an abnormal situation in which the total consumption amount is greater than the total amount of the deposit.
[0031] [0031]
实施例三:根据图 1所示,建立非接触智能卡与银行账户的绑定关系, 并在非接触智能卡 记录银行账户的部分账号。 Embodiment 3: According to FIG. 1, the binding relationship between the contactless smart card and the bank account is established, and part of the account of the bank account is recorded in the contactless smart card.
[0032] 绑定终端 311读取银行账户 4的账号; [0032] The binding terminal 311 reads the account number of the bank account 4;
2、绑定终端 311读取非接触智能卡 9的卡号; 向银行处理机 11发送绑定请求,请求信息 中包含非接触智能卡 9的卡号和银行账户 4的账号; 2. The binding terminal 311 reads the card number of the contactless smart card 9; sends a binding request to the bank processor 11, the request information including the card number of the contactless smart card 9 and the account number of the bank account 4;
3、银行处理机 11接收该绑定请求;记录该请求信息中非接触智能卡 9的卡号和银行账户 4的账号的绑定绑定账户, 所述绑定账户的内容包括非接触智能卡的卡号、银行账户的账 号、与非接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡上的电子存折 同步的电子存折余额值; 向第三方处理机 8发送绑定请求,请求信息中包含该绑定关系的 非接触智能卡 9的卡号和银行账户 4的部分账号;银行处理机 11向银行主机 21发送绑定 请求, 请求信息中包含该绑定关系的非接触智能卡 9的卡号和银行账户 4的账号;
4、 第三方处理机 8接收该绑定请求; 记录请求信息中非接触智能卡 9的卡号和银行账户 4的部分账号的绑定账户, 其中, 该绑定账户的内容包括非接触智能卡 9的卡号、银行账 户 4的部分账号、与非接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡 上的电子存折同步的电子存折余额值; 3. The bank processor 11 receives the binding request; records the binding number of the non-contact smart card 9 and the account of the bank account 4 in the request information, and the content of the binding account includes the card number of the contactless smart card, The bank account account number, the electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card; the binding request is sent to the third party processor 8, and the request information is included The card number of the contactless smart card 9 of the binding relationship and a part of the account number of the bank account 4; the bank processor 11 sends a binding request to the bank host 21, the card number and the bank account of the contactless smart card 9 containing the binding relationship in the request information 4 account number; 4. The third-party processor 8 receives the binding request; records the card number of the non-contact smart card 9 in the request information and the binding account of the partial account of the bank account 4, wherein the content of the binding account includes the card number of the contactless smart card 9. a partial account number of the bank account 4, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and an electronic passbook balance value synchronized with the electronic passbook on the contactless smart card;
5、银行主机 21接收该绑定请求;建立请求信息中非接触智能卡的卡号和银行账户的账号 对应的绑定账户, 所述绑定账户的内容包括非接触智能卡 9的卡号、 银行账户 4的账号、 与非接触智能卡上的电子钱包同步的电子钱包余额值、与非接触智能卡上的电子存折同步 的电子存折余额值; 5. The bank host 21 receives the binding request; establishes a binding account corresponding to the card number of the contactless smart card and the account of the bank account in the request information, and the content of the binding account includes the card number of the contactless smart card 9, and the bank account 4 The account number, the e-wallet balance value synchronized with the e-wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card;
6、 第三方处理机 8经由银行处理机 11和绑定终端 61在非接触智能卡 9上记录与非接触 智能卡 9绑定的银行账户 4的部分账号;或者,银行处理机 11经由绑定终端 61在非接触 智能 9卡上记录与非接触智能卡 9绑定的银行账户 4的部分账号; 或者, 绑定终端 61在 非接触智能卡 9上记录与非接触智能卡 9绑定的银行账户 4的部分账号。绑定关系建立完 成。 6. The third-party processor 8 records a partial account of the bank account 4 bound to the contactless smart card 9 on the contactless smart card 9 via the bank processor 11 and the binding terminal 61; or the bank processor 11 via the binding terminal 61 A part of the account of the bank account 4 bound to the contactless smart card 9 is recorded on the contactless smart card 9; or, the binding terminal 61 records a part of the account of the bank account 4 bound to the contactless smart card 9 on the contactless smart card 9. . The binding relationship is established.
[0033] 在银行处理机 11上记录该请求信息中非接触智能卡 9的卡号和银行账户 4的账号 的绑定绑定账户,用于记录非接触智能卡 9的执行圈存业务与脱机消费业务时记录非接触 智能卡 9当前电子钱包和电子存折的余额,从而可以判断非接触智能卡 9是否出现消费总 金额大于圈存总金额的异常情况,或者用于对用户圈存在非接触智能卡上而又未消费的资 金计算利息。 [0033] Recording, on the bank processor 11, the binding binding account of the card number of the contactless smart card 9 and the account of the bank account 4 in the request information, for recording the execution of the non-contact smart card 9 and the offline consumption service Recording the balance of the current electronic wallet and the electronic passbook of the contactless smart card 9, so that it can be judged whether the non-contact smart card 9 has an abnormal situation in which the total amount of consumption is greater than the total amount of the deposit, or is used for the non-contact smart card of the user circle without The funds spent calculate interest.
[0034] 在银行主机 21上记录该请求信息中非接触智能卡 9的卡号和银行账户 4的账号的 绑定绑定账户,用于记录非接触智能卡 9的执行圈存业务与脱机消费业务时记录非接触智
能卡 9当前电子钱包和电子存折的余额,从而可以判断非接触智能卡 9是否出现消费总金 额大于圈存总金额的异常情况,或者用于对用户圈存在非接触智能卡上而又未消费的资金 计算利息。 [0034] Recording, on the bank host 21, the binding binding account of the contact card of the non-contact smart card 9 and the account of the bank account 4 in the request information, for recording the execution of the non-contact smart card 9 and the offline consumption service Record non-contact wisdom The card 9 can balance the current e-wallet and the electronic passbook, so that it can be judged whether the non-contact smart card 9 has an abnormal situation in which the total amount of consumption is greater than the total amount of the deposit, or is used for the non-contact smart card of the user circle without the consumption of funds. Calculate interest.
[0035] 在非接触智能卡上记录银行账户的部分账号, 用于由支付终端直接从非接触智能 卡上读取银行账户的部分账号列表后由用户选择所需要的银行账户,而无需从第三方处理 机上下载, 提高交易速度。 [0035] recording a partial account of the bank account on the contactless smart card, and the user selects the required bank account by the payment terminal directly reading the partial account list of the bank account from the contactless smart card, without processing from the third party Download on board to increase the speed of the transaction.
[0036] [0036]
实施例四: 根据图 1所示, 非接触智能卡 9实现联机消费交易, 其中, 非接触智能卡 9 上记录了绑定关系的银行账户 4的部分账号, 用户选择银行账户 4完成交易。 Embodiment 4: According to FIG. 1, the contactless smart card 9 implements an online consumer transaction, wherein the contactless smart card 9 records a partial account of the bank account 4 of the binding relationship, and the user selects the bank account 4 to complete the transaction.
[0037] 1、 支付终端 61读取非接触智能卡 9的卡号信息; [0037] 1. The payment terminal 61 reads the card number information of the contactless smart card 9;
支付终端 61读取非接触智能卡 9上记录的银行账户部分账号的列表信息; The payment terminal 61 reads the list information of the account number of the bank account recorded on the contactless smart card 9;
支付终端 61显示与非接触智能卡 9绑定的所有银行账户的部分账号列表信息; 支付终端 61记录用户从账户列表中选择的银行账户 4的部分账号; The payment terminal 61 displays partial account list information of all bank accounts bound to the contactless smart card 9; the payment terminal 61 records a partial account of the bank account 4 selected by the user from the account list;
2、支付终端 61读取持卡用户输入的消费金额及用户选择的绑定银行账户 4的密码; 向第 三方处理机 8发送联机消费请求, 请求信息中包含非接触智能卡 9的卡号、 银行账户 4 的部分账号、 银行账户 4的密码、 联机消费金额; 2. The payment terminal 61 reads the consumption amount input by the card user and the password of the bank account 4 selected by the user; sends an online consumption request to the third party processor 8, and the request information includes the card number of the contactless smart card 9, and the bank account. 4 part of the account number, bank account 4 password, online consumption amount;
3、 第三方处理机 8接收该联机消费请求; 将该联机消费请求发送到银行处理机 11 ; 3. The third-party processor 8 receives the online consumption request; and sends the online consumption request to the bank processor 11;
4、银行处理机 11接收该联机消费请求;根据请求信息中的非接触智能卡 9的卡号和银行 账户 4的部分账号在绑定关系中找到银行账户 4的完整账号; 向银行主机 21发送联机消 费请求; 请求信息中包含银行账户 4的完整账号、 消费金额、 银行账户 4密码;
5、 银行主机 21从银行账户 4上扣款; 将联机消费结果应答给银行处理机 11 ; 4. The bank processor 11 receives the online consumption request; according to the card number of the contactless smart card 9 in the request information and the partial account of the bank account 4, the complete account of the bank account 4 is found in the binding relationship; the online consumption is sent to the bank host 21 Request; the request information includes the full account number of the bank account 4, the amount of the purchase, and the password of the bank account 4; 5. The bank host 21 debits the bank account 4; the online consumption result is answered to the bank processor 11;
6、 银行处理机 11接收该银行联机消费结果; 将联机消费结果应答给第三方处理机 8, 应 答信息中包含联机消费执行结果、 非接触智能卡 9的卡号、 银行账户 4的部分账号; 6. The bank processor 11 receives the online consumption result of the bank; and responds the online consumption result to the third-party processor 8, and the response information includes the online consumption execution result, the card number of the contactless smart card 9, and the partial account of the bank account 4.
7、 第三方处理机 8接收该应答信息, 完成后续业务。 7. The third-party processor 8 receives the response message and completes the subsequent service.
[0038] [0038]
实施例五: 根据图 1所示, 非接触智能卡 9实现圈存交易, 其中, 非接触智能卡 9上未记 录绑定关系的银行账户账号, 用户选择银行账户 4完成交易。 Embodiment 5: According to FIG. 1, the contactless smart card 9 implements a deposit transaction, wherein the contactless smart card 9 does not record the bank account account of the binding relationship, and the user selects the bank account 4 to complete the transaction.
[0039] El、 支付终端 61读取非接触智能卡 9的卡号信息; [0039] El, the payment terminal 61 reads the card number information of the contactless smart card 9;
支付终端 61向第三方处理机 8发送包含非接触智能卡 9的卡号的绑定关系査询请求, 第 三方处理机 8将与非接触智能卡 9绑定的所有银行账户的部分账号的列表信息应答给支付 终端 61 ; The payment terminal 61 sends a binding relationship query request including the card number of the contactless smart card 9 to the third party processor 8, and the third party processor 8 responds to the list information of the partial accounts of all the bank accounts bound to the contactless smart card 9. Payment terminal 61;
支付终端 61显示与非接触智能卡 9绑定的所有银行账户 4的部分账号列表信息; 支付终端 61记录用户从账户列表中选择的银行账户 4的部分账号; The payment terminal 61 displays partial account list information of all bank accounts 4 bound to the contactless smart card 9; the payment terminal 61 records a partial account of the bank account 4 selected by the user from the account list;
E2、 支付终端 61读取持卡用户输入的圈存类型、 圈存金额及用户选择的绑定银行账户 4 的密码; 向第三方处理机 8发送圈存请求,请求信息中包含非接触智能卡 9的卡号、银行 账户 4的部分账号、 圈存金额、 银行账户 4密码; E2. The payment terminal 61 reads the type of the deposit entered by the card user, the amount of the deposit, and the password of the bank account 4 selected by the user; sends a request to the third-party processor 8 to include the contactless smart card 9 Card number, partial account number of bank account 4, deposit amount, bank account 4 password;
E3、 第三方处理机 8接收该圈存请求, 将该圈存请求发送到银行处理机 11 ; E3, the third-party processor 8 receives the storage request, and sends the storage request to the bank processor 11;
E4、 银行处理机 11接收该圈存请求; 根据请求信息中的非接触智能卡 9的卡号和银行账 户 4的部分账号在绑定关系中找到银行账户 4的完整账号;向银行主机 21发送圈存请求, 圈存请求中包含非接触智能卡 9的卡号、银行账户 4的完整账号、 圈存金额、 银行账户 4
密码; E4, the bank processor 11 receives the deposit request; according to the card number of the contactless smart card 9 in the request information and a part of the account of the bank account 4, the complete account of the bank account 4 is found in the binding relationship; the bank account 21 is sent to the bank account 21 The request, the deposit request includes the card number of the contactless smart card 9, the complete account of the bank account 4, the deposit amount, and the bank account 4 password;
E5、 银行主机 21从银行账户 4上扣款; E5, bank host 21 debits from bank account 4;
如果在银行主机 21上建立了绑定账户, 则对圈存请求中的非接触智能卡 9的卡号和银行 账户 4的账号对应的绑定账户的电子钱包余额值或电子存折余额值加值; If the binding account is established on the bank host 21, the card number of the contactless smart card 9 in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account 4 are added;
银行主机 21将扣款结果信息应答给银行处理机 11 ; The bank host 21 responds to the bank processor 11 with the result of the deduction;
E6、 银行处理机 11接收该银行主机 21发送的扣款结果信息; E6. The bank processor 11 receives the deduction result information sent by the bank host 21;
如果在银行处理机 11上建立了绑定账户, 则对圈存请求中的非接触智能卡 9的卡号和银 行账户 4的账号对应的绑定账户的电子钱包余额值或电子存折余额值加值; If the binding account is established on the bank processor 11, the card number of the contactless smart card 9 in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the binding account corresponding to the account of the bank account 4 are added;
银行处理机 11向第三方处理机 8应答扣款结果信息,扣款结果信息中包含扣款执行结果、 非接触智能卡 9的卡号、 银行账户 4的部分账号; The bank processor 11 responds to the third party processor 8 with the result of the deduction, and the deduction result information includes the result of the deduction execution, the card number of the contactless smart card 9, and a part of the account of the bank account 4.
E7、 第三方处理机 8接收该扣款结果信息; E7. The third-party processor 8 receives the deduction result information;
经由支付终端 61对非接触智能卡 9执行圈存操作; Performing a bank storage operation on the contactless smart card 9 via the payment terminal 61;
对圈存请求中的非接触智能卡 9的卡号和银行账户 4部分账号对应的绑定账户的电子钱包 余额值或电子存折余额值加值; 圈存业务完成。 The card number of the contactless smart card 9 in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the bank account 4 part account are added; the circle storage service is completed.
[0040] [0040]
实施例六: 根据图 1所示, 非接触智能卡 9实现脱机消费交易, 其中, 非接触智能卡 9 与银行账户 4建立了绑定关系。 Embodiment 6: According to FIG. 1, the contactless smart card 9 implements an offline consumer transaction, wherein the contactless smart card 9 establishes a binding relationship with the bank account 4.
[0041] F1、 支付终端 61接受非接触智能卡 9完成脱机消费业务; [0041] F1. The payment terminal 61 accepts the contactless smart card 9 to complete the offline consumption service;
F2、 支付终端 61将脱机消费记录上报到第三方处理机 8; F2, the payment terminal 61 reports the offline consumption record to the third-party processor 8;
F3、 第三方处理机 8验证该脱机消费记录的完整性和有效性;
F4、 第三方处理机 8读取脱机消费记录中非接触智能卡 9的卡号; F3. The third-party processor 8 verifies the integrity and validity of the offline consumption record; F4. The third-party processor 8 reads the card number of the contactless smart card 9 in the offline consumption record;
通过非接触智能卡 9的卡号找到与非接触智能卡 9绑定的银行账户 4的部分账号,对非接 触智能卡 9与银行账户 4的部分账号对应的绑定关系的电子钱包余额值或电子存折余额值 减值; The partial account number of the bank account 4 bound to the contactless smart card 9 is found by the card number of the contactless smart card 9, and the electronic wallet balance value or the electronic passbook balance value of the binding relationship between the contactless smart card 9 and the partial account of the bank account 4 is obtained. Impairment
向银行处理机 11发送脱机消费请求, 请求信息中包含非接触智能卡 9的卡号、 银行账户 4的部分账号、 消费金额; An offline consumption request is sent to the bank processor 11, and the request information includes a card number of the contactless smart card 9, a partial account number of the bank account 4, and a consumption amount;
F5、 银行处理机 11接收该脱机消费请求, 根据请求信息中的非接触智能卡 9的卡号和银 行账户 4的部分账号找到银行账户 4的完整账号; F5. The bank processor 11 receives the offline consumption request, and finds the complete account of the bank account 4 according to the card number of the contactless smart card 9 and the account number of the bank account 4 in the request information;
如果在银行处理机 11上建立了绑定账户, 则对脱机消费请求中的非接触智能卡 9的卡号 和银行账户 4的账号对应的绑定账户的电子钱包余额值或电子存折余额值减值;If the binding account is established on the bank processor 11, the card number of the contactless smart card 9 in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the binding account corresponding to the account of the bank account 4 are devalued. ;
F6、 如果在银行主机 21上建立了绑定账户, 银行处理机 11向银行主机 21发送脱机消费 请求, 请求信息中包含非接触智能卡 9的卡号、 银行账户 4的完整账号、 消费金额; 银行主机 21接收该银行处理机 11发送的脱机消费请求;对脱机消费请求中的非接触智能 卡 9的卡号和银行账户 4的账号对应的绑定账户的电子钱包余额值或电子存折余额值减 值; F6. If the binding account is established on the bank host 21, the bank processor 11 sends an offline consumption request to the bank host 21, the request information includes the card number of the contactless smart card 9, the complete account number of the bank account 4, and the consumption amount; The host 21 receives the offline consumption request sent by the bank processor 11; the card number of the contactless smart card 9 in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the binding account corresponding to the account of the bank account 4 are reduced. Value
将结果信息应答给银行处理机 11 ; Answering the result information to the bank processor 11;
F7、 银行处理机 11向第三方处理机 8应答脱机消费结果, 结果信息中包含处理结果、 非 接触智能卡 9的卡号、 银行账户 4的部分账号、 消费金额; F7, the bank processor 11 responds to the offline consumption result to the third party processor 8, and the result information includes the processing result, the card number of the contactless smart card 9, the partial account number of the bank account 4, and the consumption amount;
F8、 第三方处理机 8接收该应答信息; 脱机消费业务完成。 F8. The third-party processor 8 receives the response message; the offline consumer service is completed.
[0042】
由技术常识可知, 本发明可以通过其它的不脱离其精神实质或必要特征的实施方案来实 现。 因此, 上述公开的实施方案, 就各方面而言, 都只是举例说明, 并不是仅有的。 不能 认定本发明的具体实施只局限于这些实施用例,所有在本发明范围内或在等同于本发明的 范围内的改变均被本发明包含。
[0042] It is to be understood that the invention may be embodied in other embodiments without departing from the spirit and essential characteristics. Therefore, the above-disclosed embodiments are merely illustrative and not exclusive in all respects. It is to be understood that the specific embodiments of the invention are not limited to the embodiments, and all modifications within the scope of the invention or equivalent to the scope of the invention are included in the invention.