WO2017049943A1 - 一种智能卡信息的查询方法及、装置及存储介质 - Google Patents

一种智能卡信息的查询方法及、装置及存储介质 Download PDF

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Publication number
WO2017049943A1
WO2017049943A1 PCT/CN2016/083702 CN2016083702W WO2017049943A1 WO 2017049943 A1 WO2017049943 A1 WO 2017049943A1 CN 2016083702 W CN2016083702 W CN 2016083702W WO 2017049943 A1 WO2017049943 A1 WO 2017049943A1
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WO
WIPO (PCT)
Prior art keywords
terminal
smart card
server
terminal configuration
configuration file
Prior art date
Application number
PCT/CN2016/083702
Other languages
English (en)
French (fr)
Inventor
郭懿心
汪春
于航
杜现华
Original Assignee
腾讯科技（深圳）有限公司
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Filing date
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Application filed by 腾讯科技（深圳）有限公司 filed Critical 腾讯科技（深圳）有限公司
Publication of WO2017049943A1 publication Critical patent/WO2017049943A1/zh
Priority to US15/861,425 priority Critical patent/US10268941B2/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
    • G06K19/0727—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs the arrangement being a circuit facilitating integration of the record carrier with a hand-held device such as a smart phone of PDA
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/29—Geographical information databases
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G06F16/9535—Search customisation based on user profiles and personalisation
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/326—Payment applications installed on the mobile devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/06—Protocols specially adapted for file transfer, e.g. file transfer protocol [FTP]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/10—Protocols in which an application is distributed across nodes in the network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/50—Service provisioning or reconfiguring
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Definitions

  • the invention belongs to the field of communication technologies, and in particular, to a method, a device and a storage medium for querying smart card information.
  • terminals With the rapid development of computer and Internet technologies, terminals have been widely popularized and developed. Therefore, the functions supported by terminals are also increasing.
  • a user uses a mobile terminal (such as a mobile phone) to make a payment or recharge, etc., that is, a user can use his mobile phone to complete a transaction transaction for the goods or services consumed to meet the user's needs.
  • a mobile terminal such as a mobile phone
  • NFC Near Field Communication
  • the server will read and write data to the bus card through the NFC interface of the mobile phone, and finally complete the bus card recharge.
  • the embodiment of the present invention provides the following technical solutions:
  • a method for querying smart card information including:
  • the locally cached terminal configuration file is updated according to the update file sent by the server;
  • the card information of the smart card is queried according to the updated terminal configuration file.
  • the embodiment of the present invention further provides the following technical solutions:
  • a device for querying smart card information including:
  • a sending unit configured to send a terminal configuration request to the server, so that the server determines, according to the terminal configuration request, whether the terminal configuration file that is locally cached by the terminal needs to be updated, where the terminal configuration file is configured according to a geographical area indicated by the smart card a file for querying smart card information;
  • a file receiving unit configured to receive an update file sent by the server when it is determined that the terminal configuration file that is locally cached by the terminal needs to be updated
  • An update unit configured to update a locally cached terminal configuration file according to an update file sent by the server
  • the first query unit is configured to query, according to the connection, the card information of the smart card according to the updated terminal configuration file after determining that the connection is established with the smart card by using the short-range communication manner.
  • a storage medium having stored therein processor-executable instructions, wherein the processor-executable instructions are for causing the processor to:
  • the locally cached terminal configuration file is updated according to the update file sent by the server;
  • the card information of the smart card is queried according to the updated terminal configuration file.
  • the terminal before the terminal queries the smart card, the terminal first needs to send a terminal configuration request to the server, and the server determines that the terminal configuration file that is locally cached by the terminal needs to be updated, and then sends an update file to the terminal, and the terminal uses the update file.
  • the locally cached terminal configuration file is updated, so that the smart card can be queried through the updated terminal configuration file, and the terminal configuration file is a file for querying smart card information configured based on the geographical area indicated by the smart card;
  • the third-party cooperation organization needs to cooperate with the installation package update mode.
  • the terminal is configured to be clouded, and the configuration based on the geographical area is pre-set and dynamically updated in the server for querying.
  • the terminal configuration file of the smart card information is to be unified and the terminal is delivered.
  • the terminal does not need to download and update the installation package of the third-party cooperation organization.
  • the terminal can directly query the card information of the smart card according to the delivered terminal configuration file to improve the smart card letter. Real-time performance and scalability to read and write.
  • FIG. 1a is a schematic diagram of a scenario of a smart card information query system provided by the present invention.
  • 1b is a schematic flowchart of a method for querying smart card information according to a first embodiment of the present invention
  • FIG. 2a is a schematic flowchart of a scenario in a method for querying smart card information according to a second embodiment of the present invention
  • FIG. 2b is a schematic flowchart of another scenario in a method for querying smart card information according to a second embodiment of the present invention
  • 2c is a schematic flowchart of another scenario in a method for querying smart card information according to a second embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a device for querying smart card information according to a third embodiment of the present invention.
  • module as used herein may be taken to mean a software object that is executed on the computing system.
  • the different components, modules, engines, and services described herein can be considered as implementation objects on the computing system.
  • the apparatus and method described herein are preferably implemented in software, and may of course be implemented in hardware, all of which are within the scope of the present invention.
  • the order of the following embodiments is not limited by the embodiment number, that is, the non-optimal embodiment of the first embodiment may be set according to actual needs.
  • the first embodiment may be implemented as the second preferred embodiment.
  • the third embodiment is implemented as a first preferred embodiment, and the like, and the descriptions of the first, second, and the like are merely for convenience of expression.
  • the embodiment of the invention provides a method and device for querying smart card information.
  • FIG. 1 is a schematic diagram of a scenario of a smart card information query system according to an embodiment of the present invention, where the system includes a smart card information query device and a server, wherein the smart card information query device can be integrated into a mobile terminal (such as a mobile phone).
  • the device is configured to send a terminal configuration request to the server, and the server sends the latest version of the terminal configuration file to the mobile terminal according to the terminal configuration request, and the mobile terminal establishes near field communication with the smart card (NFC, Near).
  • the terminal configuration file is queried, for example, the card information of the smart card is read, wherein the terminal configuration file is a file for querying the smart card information configured according to the geographical area indicated by the smart card, for example, based on the configuration of the city.
  • the server may first determine whether the terminal configuration file to be locally cached needs to be updated according to the terminal configuration request, and if necessary, then send the update file to update the locally cached terminal configuration file. Etc., the following is a detailed analysis.
  • the query device of the smart card information may be integrated into a mobile terminal, such as a mobile phone or a tablet computer.
  • a method for querying smart card information includes: sending a terminal configuration request to a server, so that the server determines, according to the terminal configuration request, whether the terminal configuration file that is locally cached by the terminal needs to be updated, and the terminal configuration file is configured according to the geographical area indicated by the smart card. a file for querying the smart card information; when it is determined that the terminal configuration file to be locally cached is updated, the update file sent by the server is received; and the locally cached terminal configuration file is updated according to the update file sent by the server; After establishing a connection with the smart card through the short-distance communication method, based on the connection, the card information of the smart card is queried according to the updated terminal configuration file.
  • FIG. 1b is a schematic flowchart of a method for querying smart card information according to a first embodiment of the present invention.
  • the method includes:
  • step S101 the terminal configuration request is sent to the server, so that the server determines, according to the terminal configuration request, whether the terminal configuration file that is locally cached by the terminal needs to be updated, and the terminal configuration file is configured for querying based on the geographical area indicated by the smart card.
  • a file of smart card information is sent to the server, so that the server determines, according to the terminal configuration request, whether the terminal configuration file that is locally cached by the terminal needs to be updated, and the terminal configuration file is configured for querying based on the geographical area indicated by the smart card.
  • step S102 when it is determined that the terminal configuration file cached by the terminal needs to be updated, the update file sent by the server is received.
  • the step S101 and the step S102 may be specifically:
  • the terminal configuration file refers to a file for querying smart card information configured according to the geographical area indicated by the smart card, and specifically, the configuration file for querying the bus card information or the bus card instruction, Configure in the background according to the geographical area of the bus card (such as city, town, etc.), including but not limited to apdu (Application Protocol Data Unit (application protocol data unit) instruction set, UI (User Interface) dynamic copy, business process switch, etc.
  • apdu Application Protocol Data Unit
  • UI User Interface
  • the terminal sends a terminal configuration request carrying a first version number to the server, where the first version number is a version number of the locally cached terminal configuration file.
  • the server determines that the terminal configuration file that is locally cached by the terminal is updated according to the first version number
  • the server sends an update file sent by the server, where the update file carries the latest terminal configuration file version number.
  • the terminal when the user enters an application interface of a terminal application, the terminal sends the terminal configuration request to the server to perform an initialization operation; or, when the terminal detects that the current geographic area information of the terminal changes, the terminal automatically The server sends the terminal configuration request, where the terminal configuration request carries the first version number of the terminal configuration file locally cached by the terminal.
  • the server may forward the first version number to the version number of the latest terminal configuration file. If the version number is inconsistent, the server sends an update file to the terminal.
  • the update file carries the version number of the latest terminal configuration file; that is, when the version number is inconsistent, the terminal receives the update file sent by the server, and updates the locally cached terminal configuration file to prevent the terminal from automatically stopping. Check whether the terminal configuration needs to be updated to reduce the power consumption of the terminal.
  • the update file may be specifically the latest version of the terminal configuration file, or may specifically refer to a locally cached file that needs to be updated compared to the latest version of the terminal configuration file of the server.
  • the terminal configuration cloud technology can also enable the terminal to have gray control capability for the business logic.
  • the terminal can upload terminal attribute information to a server, such as a cloud server, so that the server, such as the cloud server, according to the terminal attribute.
  • Information determining whether the terminal can support the virtual resource transfer function between the smart card and the terminal, and feeding back to the terminal;
  • the server sends a first identifier to the terminal, where the first identifier is used to indicate whether the terminal can support the virtual resource transfer function between the smart card and the terminal; the terminal receives the first identifier, and displays the corresponding identifier according to the first identifier.
  • the first prompt control is used to display the judgment result of the server to the user, thereby improving the convenience of the user operation.
  • step S103 the locally cached terminal configuration file is updated according to the update file sent by the server.
  • the method may further include:
  • the local cached terminal configuration file is updated according to the update file sent by the server.
  • the update file after receiving the update file sent by the server, before using the issued update file, the update file needs to be signed and verified to prevent the file from being transformed into a security hole during the process of being delivered, thereby causing the user to Loss; if it is determined that the update file sent by the server is consistent with the update file sent to the terminal local, the update file signature verification is passed, and the file data security is improved; then the update file is used to locally cache the terminal configuration file. Update to complete the localization configuration.
  • step S104 after determining to establish a connection with the smart card by the short-range communication method, based on the connection, the card information of the smart card is queried according to the updated terminal configuration file.
  • the step S103 and the step S104 may be specifically:
  • the short-range communication method in the embodiment of the present invention mainly refers to near-field communication (NFC, Near Field). Communication, Bluetooth, infrared, and ultrasonic communication methods, the present invention is mainly directed to NFC technology.
  • NFC is made up of non-contact radio frequency identification (RFID, Radio Frequency) Identification) evolved from RFID and interconnect technology.
  • RFID Radio Frequency
  • NFC is a short-range, high-frequency radio technology that operates at a distance of 13.56 MHz over a distance of 20 cm.
  • the terminal can be configured with the cloud technology to enable the terminal to have the gray control capability for the service logic. For example, according to the area configuration information of the smart card in the updated terminal configuration file, the area configuration information is determined. Whether the geographical area can support the virtual resource transfer function between the smart card and the terminal.
  • the second identifier may indicate whether the city supports the terminal to perform a recharge function on the smart card, and the like;
  • the terminal displays the second prompt control to show the user whether the current city supports the terminal to perform the recharge function on the smart card.
  • the updated terminal configuration file for example, reading the card information of the smart card, according to the area configuration information of the smart card in the updated terminal configuration file, determining whether the geographical area corresponding to the area configuration information can be inquired by the smart card.
  • the function for example, querying the balance of the smart card, applying the identification information, etc., and reminding the user through the second prompt control whether the city supports the terminal to perform the recharging function of the smart card, which is convenient for the user to operate.
  • the third prompt control is used to indicate that the geographic area corresponding to the area configuration information cannot support the smart card query function
  • the fourth prompt control is configured to indicate that the geographic area corresponding to the area configuration information can support the smart card query function
  • the area number in the area configuration information of the query is matched with the area number of the smart card to be queried;
  • the query is Whether the area number and the area number match in the area configuration information, and whether the geographical area corresponding to the area configuration information of the query supports the smart card query function, so that the query of the smart card query function is more accurate.
  • the card information of the smart card may be directly queried according to the locally cached terminal configuration file. That is, since the terminal configuration request carries the first version number, the server can compare the first version number with the version number of the latest terminal configuration file. When the version numbers are the same, the terminal does not need to load the server terminal configuration file to improve the update. Efficiency and reduce unnecessary power consumption.
  • the terminal configuration file needs to be signed and verified to prevent the terminal configuration file from being transformed into a security vulnerability locally, causing loss to the user;
  • the locally cached terminal profile signature verification is passed, and the terminal configuration file is used to complete the localization configuration.
  • the terminal before the terminal queries the smart card, the terminal first needs to send a terminal configuration request to the server, and the server determines that the terminal configuration file that is locally cached by the terminal needs to be updated, and then sends an update file to the terminal.
  • the terminal updates the locally cached terminal configuration file by using the update file, so that the smart card can be queried through the updated terminal configuration file, and the terminal configuration file is a file for querying the smart card information configured according to the geographical area indicated by the smart card;
  • a third-party cooperation organization is required to cooperate with the installation package update.
  • the terminal configuration cloud is configured, and the terminal configuration file is preset and dynamically updated in the server. And issuing the terminal, the terminal does not need to download and update the installation package of the third-party cooperation organization, and can query the card information of the smart card in real time according to the issued terminal configuration file, thereby improving the real-time and scalability of the smart card information reading and writing.
  • the NFC bus card charging value is used as an example to describe the clouding and grayscale control capabilities of the terminal configuration in detail.
  • the background server is requested to perform some initialization work on the application.
  • One of the links is that the server needs to deliver the terminal configuration file.
  • the server does not need to be delivered every time, because it consumes the user's network traffic.
  • each time the server station sends the terminal configuration request it carries the first version number, which is the version number of the locally cached terminal configuration file, and the server passes the first version number with the latest terminal configuration file.
  • the version number is compared to determine whether to deliver the configuration to the terminal. If they are consistent, the configuration is not updated. If they are inconsistent, the server sends the latest version number and terminal configuration file to the terminal, and the terminal updates the local cache and version number.
  • the terminal configuration file sent by the server needs to be signed and verified to prevent the file from being transformed into a security hole in the process of being delivered, causing loss to the user. Thereafter, when the user performs the card swiping operation, the terminal can query the instruction of the bus card through the terminal configuration file, so that the card information can be inquired and displayed to the user.
  • FIG. 2a is a schematic diagram of determining whether the terminal can support the NFC bus card refill function, including:
  • step S201 the terminal uploads terminal attribute information to the server.
  • the terminal can be specifically a mobile phone, and the mobile phone will have a mobile phone model, rom (Read-Only Memory, read-only memory, etc. The version number is reported to the background.
  • rom Read-Only Memory
  • read-only memory etc.
  • the version number is reported to the background.
  • step S202 the server compares the terminal attribute information with the preset terminal whitelist to generate a comparison result.
  • the whitelist of the terminal is preset in the server.
  • the whitelist of the terminal may specifically include the model of the mobile phone and the version number of the rom.
  • the server determines whether the model of the mobile phone uploaded by the terminal or the corresponding rom version number is in the whitelist of the preset terminal. If it exists, it means that the mobile phone supports NFC recharge. If it does not exist, it means that the mobile phone does not support NFC recharge;
  • step S203 the server merges the comparison result into the terminal configuration file of the server.
  • the comparison result is combined with the terminal configuration file to send the configuration result to the terminal together with the terminal configuration file when the terminal sends the configuration request to the server, and the terminal determines whether the NFC refill is supported according to the comparison result.
  • step S204 the server encrypts the terminal configuration file and the first identifier according to a preset encryption format, and sends the same to the terminal.
  • the server will merge the results according to json (JavaScript Object
  • the Notation format is encrypted and sent to the terminal, where json is a lightweight data exchange format based on a subset of ECMAScript that is in a completely language-independent text format.
  • the result of the merge includes a terminal profile and a first identifier, which is used to indicate whether the mobile phone can support the NFC bus card refill function.
  • step S205 the terminal performs decryption.
  • step S206 the terminal acquires the first identifier in the decrypted result, and displays the corresponding first prompt control according to the first identifier.
  • the terminal decrypts the background protocol and searches for a grayscale logical identifier (ie, the first identifier) in the decryption protocol to determine whether the page displays a refill button (ie, the first prompt control).
  • a grayscale logical identifier ie, the first identifier
  • the server of FIG. 2a compares the terminal attribute information of the terminal with the preset terminal white list, and merges the comparison result into the terminal configuration file (server side), and delivers the indication to indicate whether the terminal can support the NFC bus card recharge.
  • the first identifier of the function is the server of FIG. 2a.
  • FIG. 2b is a schematic diagram for determining whether the city can support the NFC bus card refill function.
  • the bus card A information is read.
  • step S211 the terminal identifies the bus card A according to the city configuration information in the terminal profile.
  • the terminal configuration file includes city configuration information such as the bus card application identifier aid information and the area number such as the city number (hereinafter, the city number is taken as an example), and the city configuration information of the bus card A is identified according to the city configuration information.
  • city configuration information such as the bus card application identifier aid information and the area number such as the city number (hereinafter, the city number is taken as an example)
  • the city configuration information of the bus card A is identified according to the city configuration information.
  • step S212 the terminal acquires the second identifier according to the city configuration information of the bus card A.
  • the second identifier is used to indicate whether the city corresponding to the city configuration information can support the virtual resource transfer function between the smart card and the terminal, that is, the second identifier is used to indicate whether the city supports the function of charging the bus card.
  • step S213 the terminal displays a corresponding second prompt control according to the second identifier.
  • the terminal determines, according to the second identifier, whether the page displays a refill button (ie, the second prompt control), and the terminal displays the second prompt control to show the user whether the current city supports the terminal to perform the refill function on the smart card.
  • a refill button ie, the second prompt control
  • FIG. 2c is a schematic diagram for determining whether the city can support the bus card inquiry function.
  • the bus card A information is read.
  • step S221 the terminal determines whether the terminal configuration file delivered by the server has been cached.
  • the server if the latest version of the terminal configuration file is delivered by the server, and the updated configuration file is required for the locally cached terminal configuration file, it is determined whether the terminal configuration file indicated by the update file sent by the server is cached. .
  • step S222 is performed, and if not, the flow is ended.
  • step S222 the terminal profile signature verification verified by the terminal passes.
  • the server determines whether the terminal configuration file sent by the server is consistent with the terminal configuration file sent to the terminal. If the signature is consistent, the signature verification is passed, and the signature verification can prevent the file from being transformed into a security hole during the process of being delivered. Loss to the user.
  • Step S221 and step S222 are: when it is determined that the terminal configuration file that is cached locally is consistent with the terminal configuration file sent by the server, the city configuration information for reading the bus card in the terminal configuration file, such as the bus card application identifier, is executed. Instructions, city numbers, etc.
  • step S223 If yes, go to step S223, and if no, end the flow.
  • step S223 it is read whether the application identification instruction of the bus card A is successful.
  • step S224a the application identification instruction of the bus card A is read in the terminal configuration file. If the reading is successful, step S224a is performed. If the reading is unsuccessful, step S224b is performed.
  • step S224b it is determined whether all the city configuration information in the terminal configuration file is read.
  • the configuration command of the next city of the bus card is continued to be read until all the city configuration information in the terminal configuration file is read.
  • step S224c If yes, go to step S224c, if no, go back to step S223.
  • step S224c it is determined that the city cannot support the bus card inquiry function.
  • the read city configuration information is matched with the application identification information of the bus card A. If the matching fails, the third prompt control is generated and displayed, and the third prompt control is used to indicate that the city cannot support the smart card query function; if the matching is successful, it is determined whether the read city configuration information has a city number.
  • step S224a it is determined whether there is a city number in the read city configuration information.
  • step S225 is performed, and if so, step S226 is performed.
  • step S225 it is determined that the city can support the smart card inquiry function.
  • a fourth prompt control is generated and displayed, wherein the fourth prompt control is used to indicate that the city can support the smart card query function.
  • step S2266 it is determined whether the city number of the read bus card is successful.
  • step S224b determines whether to read all the city configuration information in the terminal configuration file. If yes, proceed to step S224c to determine that the city cannot support the bus card inquiry function. If not, return to the execution step. S226.
  • step S227 is performed.
  • step S227 the city number in the read city configuration information is consistent with the city number of the bus card A.
  • step S225 determines that the city can support the bus card inquiry function
  • step S224b determines whether to read all the city configuration information in the terminal configuration file, and if yes, execute step S224c to determine that the city cannot support the bus card inquiry function.
  • the city number in the read city configuration information is matched with the city number of the bus card A; if the matching fails, the third prompt control is generated and displayed; if the matching is successful, Then generate and display the fourth prompt control.
  • the third prompt control is used to indicate that the city cannot support the smart card query function
  • the fourth prompt control is used to indicate that the city can support the smart card query function.
  • the terminal reads the AID command of the bus card, and if the reading fails, continues to read the configuration command of the next city of the bus card. If the reading is successful, it continues to determine whether there is a city number in the configuration. If there is no city number, it can only be temporarily matched according to aid. If the bus card configuration is found, the bus card supports the query.
  • the city number of the read card is compared with the city number in the configuration, and if not, the next city configuration is cyclically read. If the city number of the card is the same as the configuration, it means that the configuration of the bus card has been found, and the bus card supports the query. Since some city bus cards do not have the city number configuration, it is considered that the bus card configuration has been found for the configuration without the city number but configured by aid.
  • the terminal configuration file adopts the json format and is ansi encoding; the global version number refers to the version of the terminal file that is uploaded to the background each time the initialization request is performed; .ext is the ui configuration of all interfaces of the terminal, such as a copy and a mark. logo, etc.
  • the .data is specifically related to the bus card, including the program business process switch, the bus card instruction set, etc.; it is easy to think that the terminal configuration file structure is merely illustrative and does not constitute a limitation of the present invention.
  • the terminal configuration file can be manually edited manually, or automatically generated by a web editing management platform and then synchronized to the server.
  • the service flow is different due to the NFC bus card instruction format of different cities, and the present invention performs the back-end cloudization by abstracting the instruction format and the business process, so that the user can timely update the terminal code. Efficient access to different city bus card services, and only when there is an update configuration on the back end, the terminal will download and configure and update, otherwise the bus card service will be completed directly using the local configuration.
  • the terminal before the terminal reads the smart card, the terminal first needs to send a terminal configuration request to the server, and the server determines that the terminal configuration file that is locally cached by the terminal needs to be updated, and then sends the terminal configuration file to the terminal. Updating the file, the terminal updates the locally cached terminal configuration file by using the update file, so that the smart card can be read by the updated terminal configuration file, and the terminal configuration file is configured for querying the smart card information based on the geographical area indicated by the smart card.
  • the third-party cooperation organization needs to cooperate with the update of the installation package.
  • the terminal is configured to be clouded, and the terminal is preset and dynamically updated in the server.
  • the configuration file is delivered and the terminal is delivered.
  • the terminal does not need to download and update the installation package of the third-party cooperation organization.
  • the card information of the smart card can be read in real time according to the issued terminal configuration file, thereby improving the real-time and scalability of the smart card information reading and writing.
  • the embodiment of the present invention further provides an apparatus for querying the smart card information.
  • the meaning of the noun is the same as the method for querying the smart card information, and the specific implementation details may refer to the description in the method embodiment.
  • FIG. 3 is a schematic structural diagram of a device for querying smart card information according to an embodiment of the present invention.
  • the device for querying smart card information may be a memory and a processor, where the processor stores executable instructions.
  • the processor may include a transmitting unit 301, a file receiving unit 302, an updating unit 303, and a first query unit 304.
  • the sending unit 301 is configured to send a terminal configuration request to the server, so that the server determines, according to the terminal configuration request, whether the terminal configuration file that is locally cached by the terminal needs to be updated, where the terminal configuration file is configured according to the geographic area indicated by the smart card.
  • the file is used to query the smart card information.
  • the file receiving unit 302 is configured to receive an update file sent by the server when it is determined that the terminal configuration file that is locally cached by the terminal needs to be updated.
  • the terminal configuration file refers to a file for querying smart card information configured according to the geographical area indicated by the smart card, and specifically, the configuration file for querying the bus card information or the bus card instruction, Configure the background according to the geographical area (such as city, town area, etc.) where the bus card is located, including but not limited to the apdu command set, UI dynamic copy, and business process switch.
  • the sending unit 301 is specifically configured to: send a terminal configuration request that carries the first version number to the server, where the first version number is a version number of the locally cached terminal configuration file;
  • the file receiving unit 302 is specifically configured to: When the server determines that the terminal configuration file that is locally cached by the terminal is to be updated according to the first version number, the server receives an update file sent by the server, where the update file carries the version number of the latest terminal configuration file.
  • the terminal when the user enters an application interface of a terminal application, the terminal sends the terminal configuration request to the server to perform an initialization operation; or, when the terminal detects that the current geographic area information of the terminal changes, the terminal automatically The server sends the terminal configuration request, where the terminal configuration request carries the first version number of the terminal configuration file locally cached by the terminal.
  • the server compares the first version number with the version number of the latest terminal configuration file. If the version number is inconsistent, the server sends an update file to the terminal, where the update file carries the latest terminal configuration file version number.
  • the update file may be specifically the latest version of the terminal configuration file, or may specifically refer to a locally cached file that needs to be updated compared to the latest version of the terminal configuration file of the server.
  • the cloud configuration technology is further configured to enable the terminal to have a grayscale control capability for the service logic.
  • the processor may further include:
  • the uploading unit is configured to upload the terminal attribute information to the server, so that the server sends the first identifier according to the terminal attribute information, where the first identifier is used to indicate whether the terminal can support the virtual resource transfer function between the smart card and the terminal. That is, the server determines, according to the terminal attribute information, whether the terminal can support the virtual resource transfer function between the smart card and the terminal, and feeds back to the terminal;
  • the identifier receiving unit is configured to receive the first identifier, and display a corresponding first prompt control according to the first identifier, so as to display the judgment result of the server to the user.
  • the updating unit 303 is configured to update the locally cached terminal configuration file according to the update file sent by the server;
  • the processor may further include:
  • the determining unit is configured to determine whether the update file sent by the server is consistent with the update file sent to the local device, and the triggering unit is configured to trigger the update unit to locally cache the terminal according to the update file sent by the server.
  • the configuration file is updated.
  • the update file after receiving the update file sent by the server, before using the issued update file, the update file needs to be signed and verified to prevent the file from being transformed into a security hole during the process of being delivered, thereby causing the user to Loss; if it is determined that the update file sent by the server is consistent with the update file sent to the terminal, the update file signature verification is passed, and the locally cached terminal configuration file is updated by the update file to complete the localization configuration.
  • the first query unit 304 is configured to query, according to the connection, the card information of the smart card according to the updated terminal configuration file after determining to establish a connection with the smart card by using the short-range communication manner.
  • the short-distance communication mode in the embodiment of the present invention mainly refers to a communication method such as near field communication NFC, Bluetooth, infrared, and ultrasonic, and the present invention is mainly described for the NFC technology.
  • the terminal can be configured with the cloud technology to enable the terminal to have the gray control capability for the service logic. For example, according to the area configuration information of the smart card in the updated terminal configuration file, the area configuration information is determined. Whether the geographical area can support the virtual resource transfer function between the smart card and the terminal.
  • the first query unit 304 can include:
  • Extracting a subunit configured to extract area configuration information of the smart card to be queried in the updated terminal configuration file
  • the application identification information aid of the smart card and the configuration information such as the area number such as the city number;
  • Obtaining a sub-unit configured to obtain a second identifier according to the area configuration information of the smart card, where the second identifier is used to indicate whether the geographic area corresponding to the area configuration information can support a virtual resource transfer function between the smart card and the terminal ;
  • the second identifier may indicate whether the city supports the terminal to perform a recharge function on the smart card, and the like;
  • a first display subunit configured to display a corresponding second prompt control according to the second identifier.
  • the terminal displays the second prompt space to show the user whether the current city supports the terminal to perform the recharge function on the smart card.
  • the card information of the smart card is queried according to the updated terminal configuration file, and the smart card query function corresponding to the area configuration information can be determined according to the area configuration information of the smart card in the updated terminal configuration file, for example, The balance of the smart card, application identification information, etc. are queried.
  • the first query unit 304 may further include:
  • the query subunit is configured to query the area configuration information of the smart card in the updated terminal configuration file when determining that the terminal configuration file that is cached locally is consistent with the terminal configuration file indicated by the update file;
  • a matching subunit configured to match the area configuration information of the query with the application identification information of the smart card to be queried
  • a second display subunit configured to generate a third prompt control and display if the matching fails
  • the third prompt control is configured to indicate that the geographic area corresponding to the area configuration information cannot support the smart card query function
  • the determining subunit is configured to determine whether an area number, such as a city number, is included in the area configuration information of the query if the matching is successful;
  • a third display sub-unit configured to generate a fourth prompt control and display if there is no area number
  • the fourth prompt control is configured to indicate that the geographic area corresponding to the area configuration information can support the smart card query function
  • the foregoing matching subunit is further configured to: if there is an area number, match the area number in the queried area configuration information with the area number of the smart card to be queried;
  • the foregoing second display subunit is further configured to generate and display a third prompt control if the matching fails;
  • the foregoing third display sub-unit is further configured to generate and display a fourth prompt control if the matching is successful.
  • the apparatus may further include: a second query unit, configured to: according to the first version number, when the terminal configuration file that is not locally cached by the terminal is updated, according to the locally cached terminal configuration file Query the card information of the smart card.
  • a second query unit configured to: according to the first version number, when the terminal configuration file that is not locally cached by the terminal is updated, according to the locally cached terminal configuration file Query the card information of the smart card.
  • the terminal configuration file needs to be signed and verified to prevent the terminal configuration file from being transformed into a security vulnerability locally, causing loss to the user;
  • the locally cached terminal profile signature verification is passed, and the terminal configuration file is used to complete the localization configuration.
  • the foregoing units may be implemented as a separate entity, or may be implemented in any combination, and may be implemented as the same or a plurality of entities.
  • the foregoing method embodiments and details are not described herein.
  • the query device of the smart card information may be specifically integrated in a mobile terminal, such as a mobile phone or a tablet computer.
  • the smart card information query device needs to send a terminal configuration request to the server before the terminal queries the smart card, and the server determines that the terminal configuration file that is locally cached is updated, and then sends the update file to the terminal.
  • the terminal updates the locally cached terminal configuration file by using the update file, so that the smart card can be queried through the updated terminal configuration file, and the terminal configuration file is a file for querying the smart card information configured according to the geographical area indicated by the smart card;
  • the terminal configuration cloud is configured, and the terminal configuration file is preset and dynamically updated in the server.
  • the terminal does not need to download and update the installation package of the third-party cooperation organization, and can query the card information of the smart card in real time according to the issued terminal configuration file, thereby improving the real-time and scalability of the smart card information reading and writing.
  • the query device of the smart card information provided by the embodiment of the present invention is, for example, a computer, a tablet computer, a mobile phone with a touch function, and the like, and the query device of the smart card information is the same as the query method of the smart card information in the above embodiment. It is conceivable that any method provided in the embodiment of the method for querying the smart card information can be run on the query device of the smart card information, and the specific implementation process is described in the embodiment of the method for querying the smart card information, and details are not described herein. .
  • a general tester in the field can understand all or part of the process of implementing the query method of the smart card information in the embodiment of the present invention, and the related program can be controlled by a computer program.
  • the computer program can be stored in a computer queried storage medium, such as in a memory of the terminal, and executed by at least one processor in the terminal, and can include, for example, the smart card during execution.
  • the storage medium may be a magnetic disk, an optical disk, a read only memory (ROM, Read) Only Memory), random access memory (RAM, Random Access Memory), etc.
  • each functional module may be integrated into one processing chip, or each module may exist physically separately, or two or more modules may be integrated into one module.
  • the above integrated modules can be implemented in the form of hardware or in the form of software functional modules.
  • the integrated modules, if implemented in the form of software functional modules and sold or used as separate products, may also be stored in a computer readable storage medium, such as a read only memory, a magnetic disk or an optical disk.

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Abstract

本发明公开一种智能卡信息的查询方法，包括:发送终端配置请求，当确定需要对本地的终端配置文件进行更新时，更新终端配置文件，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；当与智能卡建立连接后，通过终端配置文件查询智能卡的卡片信息，本发明还公开一种智能卡信息的查询装置。

Description

一种智能卡信息的查询方法及、装置及存储介质
本申请要求于2015年09月24日提交中国专利局、申请号为201510615926.6、发明名称为“一种智能卡信息的查询方法及装置”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本发明属于通信技术领域，尤其涉及一种智能卡信息的查询方法、装置及存储介质。
 背景技术
随着计算机及互联网技术的迅速发展，终端得到了相当广泛的普及和发展，因此，终端支持的功能也越来越多。
譬如，用户使用移动终端（如手机）进行支付或充值等，也就是说，用户可以使用其手机对所消费的商品或者服务完成账务交易，以满足用户的需求。比如，基于近距离无线通信（NFC，Near Field Communication）实现公交卡充值的功能；首先，将第三方合作机构的终端应用当作一个独立插件进行更新下载，其后，通过该终端应用进行支付，支付成功后，根据返回的支付结果提示用户进行刷公交卡操作，此时，服务器端会通过手机的NFC接口向公交卡进行读写数据操作，最终完成公交卡充值。
 技术问题
由于现有技术中当需要支持新增城市公交卡充值功能时，需要第三方合作机构配合进行安装包更新，也就是说，需要先由第三方合作机构修改终端代码，打包并发布新版本，再由本地终端下载更新该合作机构的安装包才能投入使用，因此会导致充值实时性低以及可扩展性差的问题。
 技术解决方案
本发明的目的在于提供一种智能卡信息的查询方法、装置及存储介质，旨在提高智能卡信息读写的实时性和可扩展性。
为解决上述技术问题，本发明实施例提供以下技术方案：
一种智能卡信息的查询方法，其中包括：
向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；
当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；
根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
为解决上述技术问题，本发明实施例还提供以下技术方案：
一种智能卡信息的查询装置，其中包括：
发送单元，用于向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；
文件接收单元，用于当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；
更新单元，用于根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
第一查询单元，用于当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
另外，一种存储介质，其内存储有处理器可执行指令，其中该处理器可执行指令用于让处理器完成以下操作：
向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；
当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；
根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
 有益效果
相对于现有技术，本实施例，终端查询智能卡前，首先需要向服务器发送终端配置请求，服务器确定需要对终端本地缓存的终端配置文件进行更新后，向终端下发更新文件，终端利用更新文件对本地缓存的终端配置文件进行更新，从而可以通过该更新后的终端配置文件查询智能卡，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；相对于现有当需要支持新增城市公交卡充值功能时，需要第三方合作机构配合进行安装包更新的方式，本发明实施例通过终端配置云化，在服务器中预先设置和动态更新基于地理区域进行配置的用于查询智能卡信息的终端配置文件，即将配置进行统一化，并下发终端，终端无需下载更新第三方合作机构的安装包，可以直接根据下发的终端配置文件实时查询智能卡的卡片信息，提高智能卡信息读写的实时性和可扩展性。
 附图说明
下面结合附图，通过对本发明的具体实施方式详细描述，将使本发明的技术方案及其它有益效果显而易见。
图1a是本发明提供的智能卡信息的查询系统的场景示意图；
图1b是本发明第一实施例提供的智能卡信息的查询方法的流程示意图；
图2a为本发明第二实施例提供的智能卡信息的查询方法中场景流程示意图；
图2b为本发明第二实施例提供的智能卡信息的查询方法中另一场景流程示意图；
图2c为本发明第二实施例提供的智能卡信息的查询方法中另一场景流程示意图；
图3为本发明第三实施例提供的智能卡信息的查询装置的结构示意图。
 本发明的最佳实施方式
请参照图式，其中相同的组件符号代表相同的组件，本发明的原理是以实施在一适当的运算环境中来举例说明。以下的说明是基于所例示的本发明具体实施例，其不应被视为限制本发明未在此详述的其它具体实施例。
在以下的说明中，本发明的具体实施例将参考由一部或多部计算机所执行的步骤及符号来说明，除非另有述明。因此，这些步骤及操作将有数次提到由计算机执行，本文所指的计算机执行包括了由代表了以一结构化型式中的数据的电子信号的计算机处理单元的操作。此操作转换该数据或将其维持在该计算机的内存系统中的位置处，其可重新配置或另外以本领域测试人员所熟知的方式来改变该计算机的运作。该数据所维持的数据结构为该内存的实体位置，其具有由该数据格式所定义的特定特性。但是，本发明原理以上述文字来说明，其并不代表为一种限制，本领域测试人员将可了解到以下所述的多种步骤及操作亦可实施在硬件当中。
本文所使用的术语「模块」可看做为在该运算系统上执行的软件对象。本文所述的不同组件、模块、引擎及服务可看做为在该运算系统上的实施对象。而本文所述的装置及方法优选的以软件的方式进行实施，当然也可在硬件上进行实施，均在本发明保护范围之内。
应当理解是，以下实施例的顺序不受实施例序号限制，即第一实施例非最佳实施例，可以根据实际需求设定，比如，可以将第一实施例作为第二优选实施例实施，第三实施例作为第一优选实施例实施等等，第一、第二之类的描述仅为便于表述使用。
本发明实施例提供一种智能卡信息的查询方法及装置。
如图1a为本发明实施例提供的智能卡信息的查询系统的场景示意图，其中该系统包括智能卡信息的查询装置和服务器，其中该智能卡信息的查询装置具体可以集成在移动终端（如手机等）中，主要用于向服务器发送终端配置请求，服务器根据终端配置请求向移动终端发送最新版本的终端配置文件，移动终端与智能卡建立近场通信（NFC，Near Field Communication）连接后，通过该终端配置文件查询，比如读取智能卡的卡片信息，其中，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件，如基于城市进行配置的用于查询公交卡指令的文件；另外，服务器可以先根据该终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，若需要，再下发更新文件对本地缓存的终端配置文件进行更新，等等，以下进行具体分析。
在本实施例中，将从智能卡信息的查询装置的角度进行描述，该智能卡信息的查询装置具体可以集成在移动终端，如手机、平板电脑等设备中。
一种智能卡信息的查询方法，包括：向服务器发送终端配置请求，以便服务器根据终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；当确定通过短距离通信方式与智能卡建立连接后，基于该连接，根据更新后的终端配置文件查询智能卡的卡片信息。
请参阅图1b，图1b是本发明第一实施例提供的智能卡信息的查询方法的流程示意图。所述方法包括：
在步骤S101中，向服务器发送终端配置请求，以便服务器根据该终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，该终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件。
在步骤S102中，当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件。
其中，所述步骤S101与步骤S102可具体为：
可以理解的是，本发明实施例中终端配置文件是指基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件，如可具体的，指查询公交卡信息或公交卡指令的配置文件，按照公交卡所在的地理区域（如城市、镇区等）为维度在后台中进行配置，包括但不仅限于apdu（Application Protocol Data Unit，应用协议数据单元）指令集、UI（User Interface，用户界面）动态文案、业务流程开关等。
比如，终端向服务器发送携带第一版本号的终端配置请求，该第一版本号为本地缓存的终端配置文件的版本号。
当服务器根据该第一版本号确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件，该更新文件携带最新的终端配置文件的版本号。
进一步可具体的，如在用户进入某一终端应用的应用界面时，终端向服务器发送该终端配置请求，以进行初始化操作；或者，当终端检测出终端当前的地理区域信息发生变化时，自动向服务器发送该终端配置请求，其中，该终端配置请求中携带终端本地缓存的终端配置文件的第一版本号。
由于终端配置请求中携带第一版本号，因此服务器可以将该第一版本号与最新的终端配置文件的版本号进行对比，若版本号不一致，则服务器会向终端下发一更新文件，其中，该更新文件携带最新的终端配置文件的版本号；也就是说，在版本号不一致时，终端才会接收服务器下发的更新文件，并对本地缓存的终端配置文件进行更新，避免终端不停自动检测终端配置是否需要更新，降低终端的功耗。
优选的，该更新文件可以具体为最新版本的终端配置文件，也可以具体指本地缓存的和服务器最新版本的终端配置文件相比，需要更新的文件。
进一步优选的，通过终端配置云化技术还可以让终端具备对业务逻辑的灰度控制能力，比如终端可以向服务器，比如云服务器上传终端属性信息，以使得服务器，比如云服务器根据所述终端属性信息，判断终端是否能够支持智能卡与终端之间进行虚拟资源转移功能，并反馈至终端；
比如，服务器向终端发送第一标识，所述第一标识用于指示终端是否能够支持智能卡与终端之间进行虚拟资源转移功能；终端接收所述第一标识，并根据该第一标识展示相应的第一提示控件，以便于向用户展示服务器的判断结果，提高用户操作便利性。
在步骤S103中，根据服务器下发的更新文件对本地缓存的终端配置文件进行更新。
优选的，在“根据服务器下发的更新文件对本地缓存的终端配置文件进行更新”之前，还可以包括：
判断服务器下发的更新文件与下发至终端本地的更新文件是否一致；
若一致，则触发根据服务器下发的更新文件对本地缓存的终端配置文件进行更新。
也就是说，在接收到服务器下发的更新文件之后，使用该下发的更新文件之前，需要对该更新文件进行签名验证，以避免文件在下发的过程中被篡改造成安全漏洞，对用户造成损失；若判断出服务器下发的更新文件与下发至终端本地的更新文件一致，则代表更新文件签名验证通过，提高文件数据安全性；其后利用该更新文件，对本地缓存的终端配置文件进行更新，以完成本地化配置。
在步骤S104中，当确定通过短距离通信方式与智能卡建立连接后，基于该连接，根据更新后的终端配置文件查询智能卡的卡片信息。
其中，所述步骤S103与步骤S104可具体为：
可以理解的是，本发明实施例中的短距离通信方式主要是指近场通信（NFC，Near Field Communication）、蓝牙、红外以及超声波等通信方式，本发明主要针对NFC技术来进行说明。
NFC是由非接触式射频识别（RFID，Radio Frequency Identification）演变而来，其基础是RFID及互连技术，NFC是一种短距高频的无线电技术，可在13.56MHz频率运行于20厘米距离内。
本实施例中，可通过终端配置云化技术还可以让终端具备对业务逻辑的灰度控制能力，比如，根据更新后的终端配置文件中的智能卡的区域配置信息，确定区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能。
进一步的，可以具体如下：
1、在更新后的终端配置文件中提取需查询的智能卡的区域配置信息；
如智能卡的应用标识信息aid（application identifier）、以及区域号如城市号等配置信息；
2、根据智能卡的区域配置信息获取第二标识，该第二标识用于指示区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能；
如所对应的地理区域为城市，该第二标识可以指示城市是否支持终端对该智能卡进行充值功能等；
3、根据该第二标识展示相应的第二提示控件；
终端展示该第二提示控件可以向用户展示当前城市是否支持终端对该智能卡进行充值功能。
又比如，根据更新后的终端配置文件查询，比如读取智能卡的卡片信息，还可以根据更新后的终端配置文件中的智能卡的区域配置信息，确定区域配置信息所对应的地理区域是否能够智能卡查询功能，如对智能卡的余额，应用标识信息等进行查询等，并通过第二提示控件向用户提醒城市是否支持终端对该智能卡进行充值功能，便于用户操作。
进一步的，可以具体如下：
a、当确定已缓存在本地的终端配置文件和所述更新文件指示的终端配置文件一致时，在更新后的终端配置文件中查询智能卡的区域配置信息；
b、将查询的区域配置信息与需查询的智能卡的应用标识信息进行匹配；
c、若匹配失败，则生成第三提示控件并展示；
该第三提示控件用于指示区域配置信息所对应的地理区域不能支持智能卡查询功能；
d、若匹配成功，则判断查询的区域配置信息中是否有区域号；
e、若没有区域号，则生成第四提示控件并展示；
其中该第四提示控件用于指示区域配置信息所对应的地理区域能够支持智能卡查询功能；
f、若有区域号，则将查询的区域配置信息中的区域号与需查询的智能卡的区域号进行匹配；
g、若匹配失败，则生成并展示第三提示控件；
h、若匹配成功，则生成并展示第四提示控件。
即首先通过查询的区域配置信息与需查询的智能卡的应用标识信息的匹配结果，初步确定查询的区域配置信息所对应的地理区域是否支持支持智能卡查询功能；在匹配成功的情况下，通过查询的区域配置信息中是否有区域号、区域号匹配的结果，再确定查询的区域配置信息所对应的地理区域是否支持支持智能卡查询功能，从而使得智能卡查询功能的查询更为准确。
在某些实施方式中，当服务器根据第一版本号确定不需要对终端本地缓存的终端配置文件进行更新时，可以直接根据本地缓存的终端配置文件查询智能卡的卡片信息。即由于终端配置请求中携带第一版本号，因此服务器可以将该第一版本号与最新的终端配置文件的版本号进行对比，在版本号一致时，终端无需加载服务器的终端配置文件，提高更新效率以及减少不必要的功耗。
优选的，在根据本地缓存的终端配置文件查询智能卡的卡片信息之前，还需要对该终端配置文件进行签名验证，以避免终端配置文件在本地被篡改造成安全漏洞，对用户造成损失；若判断出本地缓存的终端配置文件签名验证通过，利用该终端配置文件完成本地化配置。
由上述可知，本实施例提供的智能卡信息的查询方法，终端查询智能卡前，首先需要向服务器发送终端配置请求，服务器确定需要对终端本地缓存的终端配置文件进行更新后，向终端下发更新文件，终端利用更新文件对本地缓存的终端配置文件进行更新，从而可以通过该更新后的终端配置文件查询智能卡，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；相对于现有当需要支持新增城市公交卡充值功能时，需要第三方合作机构配合进行安装包更新的方式，本发明实施例通过终端配置云化，在服务器中预先设置和动态更新终端配置文件，并下发终端，终端无需下载更新第三方合作机构的安装包，可以根据下发的终端配置文件实时查询智能卡的卡片信息，提高智能卡信息读写的实时性和可扩展性。
根据上一实施例所描述的方法，本实施例中，以NFC公交卡充值为例，对终端配置的云化以及灰度控制能力进行详细说明。
首先，比如，当用户每次打开公交卡应用首页时，都会发起后台服务器请求对本应用进行一些初始化工作，其中一个环节就是服务器需要下发终端配置文件。当然，服务器并不需要每次都下发，因为这样很消耗用户的网络流量。基于此，每次服务器台发送终端配置请求时，都会携带第一版本号，该第一版本号为本地缓存的终端配置文件的版本号，服务器通过将该第一版本号与最新的终端配置文件的版本号进行对比，来决定是否给终端下发配置。若一致，表示本次配置没有更新，若不一致，服务器将最新的版本号和终端配置文件下发到终端，终端更新本地缓存和版本号。
进一步的，需要对服务器下发的终端配置文件进行签名验证，以避免文件在下发的过程中被篡改造成安全漏洞，对用户造成损失。此后，用户进行刷卡操作时，终端就可以通过该终端配置文件查询到该公交卡的指令，从而可以查询并向用户展示卡片信息。
在该过程中，可以通过终端配置云化技术让公交卡应用具备对业务逻辑的灰度控制能力，请参阅图2a，为判断终端是否能够支持NFC公交卡充值功能流程示意图，包括：
在步骤S201中，终端向服务器上传终端属性信息。
比如，终端可具体为手机，手机将手机型号、rom（Read-Only Memory，只读存储器）版本号等信息上报给后台。
在步骤S202中，服务器将终端属性信息与预设终端白名单进行对比，生成对比结果。
其中，该终端白名单是预先设置在服务器中的，该终端白名单可以具体包含手机型号以及rom版本号，服务器判断终端上传的手机型号或者其对应的rom版本号是否在该预设终端白名单；若存在，则代表该手机支持NFC充值，若不存在，则代表该手机不支持NFC充值；
在步骤S203中，服务器将对比结果合并到服务器端的终端配置文件。
也就是说，将对比结果与终端配置文件合并，以在终端向服务器发送配置请求时，将该对比结果与终端配置文件一并下发到终端，终端根据对比结果确定出是否支持NFC充值。
在步骤S204中，服务器将终端配置文件和第一标识按照预设加密格式进行加密，并发送至终端。
服务器将合并的结果按照json(JavaScript Object Notation)格式进行加密后发送给终端，其中，json是一种轻量级的数据交换格式，它基于ECMAScript的一个子集，是采用完全独立于语言的文本格式。
可以理解的是，合并的结果包括终端配置文件和第一标识，该第一标识用于指示手机是否能够支持NFC公交卡充值功能。
在步骤S205中，终端进行解密。
在步骤S206中，终端在解密结果中获取第一标识，并根据该第一标识展示相应的第一提示控件。
终端解密后台协议，并在解密协议中查找灰度逻辑标识（即第一标识）来决定页面是否显示充值按钮（即第一提示控件）。
也就是说，图2a服务器将终端的终端属性信息与预设终端白名单进行对比，并将对比结果合并到（服务器端的）终端配置文件，并下发用于指示终端是否能够支持NFC公交卡充值功能的第一标识。
进一步的，请参阅图2b，为判断城市是否能够支持NFC公交卡充值功能流程示意图，比如，用户打开公交卡应用首页，并进行公交卡A刷卡操作后，对公交卡A信息进行读取，可包括：
在步骤S211中，终端根据终端配置文件中的城市配置信息识别公交卡A。
比如，在终端配置文件中包含公交卡应用标识aid信息以及区域号如城市号（以下将以城市号为例进行说明）等城市配置信息，根据城市配置信息识别出公交卡A的城市配置信息。
在步骤S212中，终端根据公交卡A的城市配置信息获取第二标识。
其中，该第二标识用于指示该城市配置信息所对应的城市是否能够支持智能卡与终端之间进行虚拟资源转移功能，即，该第二标识用于指示该城市是否支持公交卡充值的功能。
在步骤S213中，终端根据该第二标识展示相应的第二提示控件。
终端根据该第二标识来决定页面是否显示充值按钮（即第二提示控件），终端展示该第二提示控件可以向用户展示当前城市是否支持终端对该智能卡进行充值功能。
更进一步的，请参阅图2c，为判断城市是否能够支持公交卡查询功能流程示意图，比如，用户打开公交卡应用首页，并进行公交卡A刷卡操作后，对公交卡A信息进行读取，可包括：
在步骤S221中，终端判断是否已缓存服务器下发的终端配置文件。
在某些实施方式中，如果服务器下发的是最新版本的终端配置文件，相对于本地缓存的终端配置文件需要更新的文件时，则判断是否已缓存服务器下发的更新文件指示的终端配置文件。
若是，则执行步骤S222，若否，则结束流程。
在步骤S222中，终端缓存的终端配置文件签名验证是否通过。
也就是说，要判断服务器下发的终端配置文件与下发至终端本地的终端配置文件是否一致，若一致，则签名验证通过，签名验证可以避免文件在下发的过程中被篡改造成安全漏洞，对用户造成损失。
步骤S221及步骤S222是指，当确定已缓存在本地的终端配置文件和服务器下发的终端配置文件一致时，才执行在终端配置文件中读取公交卡的城市配置信息，如公交卡应用标识指令、城市号等。
若是，则执行步骤S223，若否，则结束流程。
在步骤S223中，读取公交卡A的应用标识指令是否成功。
即在终端配置文件中读取公交卡A的应用标识指令，若读取成功，则执行步骤S224a，若读取不成功，则执行步骤S224b。
在步骤S224b中，判断是否读取完成终端配置文件中的所有城市配置信息。
即若读取不成功，则继续读取公交卡的下一个城市的配置指令，直至读取完成终端配置文件中的所有城市配置信息。
若是，则执行步骤S224c，若否，则返回执行步骤S223。
在步骤S224c中，确定城市不能支持公交卡查询功能。
也就是说，将所有读取的城市配置信息与公交卡A的应用标识信息进行匹配。若匹配失败，则生成第三提示控件并展示，第三提示控件用于指示该城市不能支持智能卡查询功能；若匹配成功，则判断读取的城市配置信息中是否有城市号。
在步骤S224a中，判断读取的城市配置信息中是否有城市号。
若否，则执行步骤S225，若是，则执行步骤S226。
在步骤S225中，确定城市能够支持智能卡查询功能。
若没有城市号，则生成第四提示控件并展示，其中第四提示控件用于指示该城市能够支持智能卡查询功能。
在步骤S226中，判断读取公交卡的城市号是否成功。
若不成功，则返回执行步骤S224b，判断是否读取完成终端配置文件中的所有城市配置信息，若是，则继续执行步骤S224c，确定该城市不能支持公交卡查询功能，若否，则返回执行步骤S226。
若成功，则执行步骤S227。
在步骤S227中，读取的城市配置信息中的城市号与公交卡A的城市号是否一致。
若是，则返回执行步骤S225，确定该城市能够支持公交卡查询功能；
若否，则返回执行步骤S224b，判断是否读取完成终端配置文件中的所有城市配置信息，若是，则执行步骤S224c，确定该城市不能支持公交卡查询功能。
也就是说，在有城市号的情况下，将读取的城市配置信息中的城市号与公交卡A的城市号进行匹配；若匹配失败，则生成并展第三提示控件；若匹配成功，则生成并展示第四提示控件。其中，第三提示控件用于指示该城市不能支持智能卡查询功能，第四提示控件用于指示该城市能够支持智能卡查询功能。
综上，终端读取公交卡的AID指令，若读取失败，则继续读取公交卡下一个城市的配置指令。若读取成功，则继续判断配置中是否有城市号，若没有城市号，就只能暂时按照aid去匹配，若找到该公交卡配置，该公交卡支持查询。
通过读取卡片的城市号和配置中的城市号进行比对，若不一致则循环读取下一个城市配置。若卡片的城市号和配置中的一致，则表示已找到该公交卡的配置，该公交卡支持查询。由于有些城市公交卡并没有城市号这个配置，所以对于没有城市号配置但是通过aid配置的也会认为是已查找到该公交卡配置。
为了更好的理解本发明思想，以下对终端配置文件的结构进行简单说明，比如，可具体如下：
{
'global_ver':'' , // 全局版本号
' ext':{
…..
} , // 终端 UI 配置
data:[ // 卡相关配置
{
city_code:xxx,…... // 依赖卡信息的 UI 显示
conf:{} , // 流程配置
inst:[
{
inst_type: xxx,
inst_set:[]
},{}…...
] // 公交卡指令集（如查询、圈存、存疑等）
},{}…...
]
}
其中，上述终端配置文件采用json格式，并且是ansi编码；全局版本号是指每次初始化请求时一并上传到后台的终端文件版本号；.ext为终端所有界面的ui配置，如文案、标记logo等； .data具体是与公交卡相关的一些配置，包括程序业务流程开关、公交卡指令集等；容易想到的是，该终端配置文件结构仅作为举例说明，不构成对本发明的限定。
可以理解的是，该终端配置文件可以通过人工手动编辑，也可以通过一个web编辑管理平台进行自动生成然后同步到服务器。现有技术中，由于不同城市的NFC公交卡指令格式，业务流程均不同，而本发明通过把指令格式，业务流程等抽象配置化后进行后端云化，使得用户无需升级终端代码即可及时高效接入不同的城市公交卡服务，而且只有在后端存在更新配置的时候，终端才会进行下载配置并更新，否则会直接使用本地的配置完成公交卡服务。
由上述可知，本实施例提供的智能卡信息的读取方法，终端读取智能卡前，首先需要向服务器发送终端配置请求，服务器确定需要对终端本地缓存的终端配置文件进行更新后，向终端下发更新文件，终端利用更新文件对本地缓存的终端配置文件进行更新，从而可以通过该更新后的终端配置文件读取智能卡，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；相对于现有当需要支持新增城市公交卡充值功能时，需要第三方合作机构配合进行安装包更新的方式，本发明实施例通过终端配置云化，在服务器中预先设置和动态更新终端配置文件，并下发终端，终端无需下载更新第三方合作机构的安装包，可以根据下发的终端配置文件实时读取智能卡的卡片信息，提高智能卡信息读写的实时性和可扩展性。
为便于更好的实施本发明实施例提供的智能卡信息的查询方法，本发明实施例还提供一种基于上述智能卡信息的查询方法的装置。其中名词的含义与上述智能卡信息的查询的方法中相同，具体实现细节可以参考方法实施例中的说明。
请参阅图3，图3为本发明实施例提供的智能卡信息的查询装置的结构示意图，所述智能卡信息的查询装置可以存储器以及处理器，所述存储器内存储有处理器可执行指令，其中该处理器可以包括发送单元301、文件接收单元302、更新单元303以及第一查询单元304。
其中发送单元301，用于向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；文件接收单元302，用于当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件。
可以理解的是，本发明实施例中终端配置文件是指基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件，如可具体的，指查询公交卡信息或公交卡指令的配置文件，按照公交卡所在的地理区域（如城市、镇区等）为维度在后台中进行配置，包括但不仅限于apdu指令集、UI动态文案、业务流程开关等。
比如，该发送单元301具体用于：向服务器发送携带第一版本号的终端配置请求，所述第一版本号为本地缓存的终端配置文件的版本号；该文件接收单元302具体用于：当服务器根据所述第一版本号确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件，所述更新文件携带最新的终端配置文件的版本号。
进一步可具体的，如在用户进入某一终端应用的应用界面时，终端向服务器发送该终端配置请求，以进行初始化操作；或者，当终端检测出终端当前的地理区域信息发生变化时，自动向服务器发送该终端配置请求，其中，该终端配置请求中携带终端本地缓存的终端配置文件的第一版本号。
服务器将该第一版本号与最新的终端配置文件的版本号进行对比，若版本号不一致，则服务器会向终端下发一更新文件，其中，该更新文件携带最新的终端配置文件的版本号。
优选的，该更新文件可以具体为最新版本的终端配置文件，也可以具体指本地缓存的和服务器最新版本的终端配置文件相比，需要更新的文件。
进一步优选的，通过终端配置云化技术还可以让终端具备对业务逻辑的灰度控制能力，比如所述处理器还可以包括：
上传单元，用于向服务器上传终端属性信息，以使得所述服务器根据所述终端属性信息发送第一标识，所述第一标识用于指示终端是否能够支持智能卡与终端之间进行虚拟资源转移功能；也就是说，服务器根据终端属性信息，判断终端是否能够支持智能卡与终端之间进行虚拟资源转移功能，并反馈至终端；
标识接收单元，用于接收所述第一标识，并根据该第一标识展示相应的第一提示控件，以便于向用户展示服务器的判断结果。
更新单元303，用于根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
所述处理器还可以包括：
判断单元，用于判断服务器下发的更新文件与下发至终端本地的更新文件是否一致；触发单元，用于若一致，则触发所述更新单元根据服务器下发的更新文件对本地缓存的终端配置文件进行更新。
也就是说，在接收到服务器下发的更新文件之后，使用该下发的更新文件之前，需要对该更新文件进行签名验证，以避免文件在下发的过程中被篡改造成安全漏洞，对用户造成损失；若判断出服务器下发的更新文件与下发至终端本地的更新文件一致，则更新文件签名验证通过，利用该更新文件，对本地缓存的终端配置文件进行更新，以完成本地化配置。
第一查询单元304，用于当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
可以理解的是，本发明实施例中的短距离通信方式主要是指近场通信NFC、蓝牙、红外以及超声波等通信方式，本发明主要针对NFC技术来进行说明。
本实施例中，可通过终端配置云化技术还可以让终端具备对业务逻辑的灰度控制能力，比如，根据更新后的终端配置文件中的智能卡的区域配置信息，确定区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能。
进一步的，可以具体如下：
所述第一查询单元304可以包括：
提取子单元，用于在更新后的终端配置文件中提取需查询的智能卡的区域配置信息；
如智能卡的应用标识信息aid、以及区域号如城市号等配置信息；
获取子单元，用于根据所述智能卡的区域配置信息获取第二标识，所述第二标识用于指示所述区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能；
如所对应的地理区域为城市，该第二标识可以指示城市是否支持终端对该智能卡进行充值功能等；
第一展示子单元，用于根据所述第二标识展示相应的第二提示控件。
终端展示该第二提示空间可以向用户展示当前城市是否支持终端对该智能卡进行充值功能。
又比如，根据更新后的终端配置文件查询智能卡的卡片信息，还可以根据更新后的终端配置文件中的智能卡的区域配置信息，确定区域配置信息所对应的地理区域是否能够智能卡查询功能，如对智能卡的余额，应用标识信息等进行查询等。
进一步的，可以具体如下：
第一查询单元304还可以包括：
查询子单元，用于当确定已缓存在本地的终端配置文件和所述更新文件指示的终端配置文件一致时，在更新后的终端配置文件中查询智能卡的区域配置信息；
匹配子单元，用于将查询的区域配置信息与需查询的智能卡的应用标识信息进行匹配；
第二展示子单元，用于若匹配失败，则生成第三提示控件并展示；
该第三提示控件用于指示所述区域配置信息所对应的地理区域不能支持智能卡查询功能；
判断子单元，用于若匹配成功，则判断查询的区域配置信息中是否有区域号，比如城市号；
第三展示子单元，用于若没有区域号，则生成第四提示控件并展示；
该第四提示控件用于指示所述区域配置信息所对应的地理区域能够支持智能卡查询功能；
前述匹配子单元，还用于若有区域号，则将查询的区域配置信息中的区域号与需查询的智能卡的区域号进行匹配；
前述第二展示子单元，还用于若匹配失败，则生成并展示第三提示控件；
前述第三展示子单元，还用于若匹配成功，则生成并展示第四提示控件。
在某些实施方式中，所述装置还可以包括：第二查询单元，用于当服务器根据第一版本号确定不需要对终端本地缓存的终端配置文件进行更新时，根据本地缓存的终端配置文件查询智能卡的卡片信息。
优选的，在根据本地缓存的终端配置文件查询智能卡的卡片信息之前，还需要对该终端配置文件进行签名验证，以避免终端配置文件在本地被篡改造成安全漏洞，对用户造成损失；若判断出本地缓存的终端配置文件签名验证通过，利用该终端配置文件完成本地化配置。
具体实施时，以上各个单元可以作为独立的实体来实现，也可以进行任意组合，作为同一或若干个实体来实现，以上各个单元的具体实施可参见前面的方法实施例，在此不再赘述。
该智能卡信息的查询装置具体可以集成在移动终端，如手机、平板电脑等设备中。
由上述可知，本实施例提供的智能卡信息的查询装置，终端查询智能卡前，首先需要向服务器发送终端配置请求，服务器确定需要对终端本地缓存的终端配置文件进行更新后，向终端下发更新文件，终端利用更新文件对本地缓存的终端配置文件进行更新，从而可以通过该更新后的终端配置文件查询智能卡，终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；相对于现有当需要支持新增城市公交卡充值功能时，需要第三方合作机构配合进行安装包更新的方式，本发明实施例通过终端配置云化，在服务器中预先设置和动态更新终端配置文件，并下发终端，终端无需下载更新第三方合作机构的安装包，可以根据下发的终端配置文件实时查询智能卡的卡片信息，提高智能卡信息读写的实时性和可扩展性。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述的部分，可以参见上文针对智能卡信息的查询方法的详细描述，此处不再赘述。
本发明实施例提供的所述智能卡信息的查询装置，譬如为计算机、平板电脑、具有触摸功能的手机等等，所述智能卡信息的查询装置与上文实施例中的智能卡信息的查询方法属于同一构思，在所述智能卡信息的查询装置上可以运行所述智能卡信息的查询方法实施例中提供的任一方法，其具体实现过程详见所述智能卡信息的查询方法实施例，此处不再赘述。
需要说明的是，对本发明所述智能卡信息的查询方法而言，本领域普通测试人员可以理解实现本发明实施例所述智能卡信息的查询方法的全部或部分流程，是可以通过计算机程序来控制相关的硬件来完成，所述计算机程序可存储于一计算机可查询存储介质中，如存储在终端的存储器中，并被该终端内的至少一个处理器执行，在执行过程中可包括如所述智能卡信息的查询方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储器（ROM，Read Only Memory）、随机存取记忆体（RAM，Random Access Memory）等。
对本发明实施例的所述智能卡信息的查询装置而言，其各功能模块可以集成在一个处理芯片中，也可以是各个模块单独物理存在，也可以两个或两个以上模块集成在一个模块中。上述集成的模块既可以采用硬件的形式实现，也可以采用软件功能模块的形式实现。所述集成的模块如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可查询存储介质中，所述存储介质譬如为只读存储器，磁盘或光盘等。
以上对本发明实施例所提供的一种智能卡信息的查询方法、装置及存储介质进行了详细介绍，本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想；同时，对于本领域的技术人员，依据本发明的思想，在具体实施方式及应用范围上均会有改变之处，综上所述，本说明书内容不应理解为对本发明的限制。

Claims (20)

  1. 一种智能卡信息的查询方法，其特征在于，包括：
    向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；
    当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；
    根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
    当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
  2. 根据权利要求1所述的智能卡信息的查询方法，其特征在于，
    所述向服务器发送终端配置请求，具体为：向服务器发送携带第一版本号的终端配置请求，所述第一版本号为本地缓存的终端配置文件的版本号；
    所述当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件，具体为：当服务器根据所述第一版本号确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件，所述更新文件携带最新的终端配置文件的版本号。
  3. 根据权利要求2所述的智能卡信息的查询方法，其特征在于，所述向服务器发送携带第一版本号的终端配置请求之后，还包括：
    当服务器根据所述第一版本号确定不需要对终端本地缓存的终端配置文件进行更新时，根据本地缓存的终端配置文件查询智能卡的卡片信息。
  4. 根据权利要求1所述的智能卡信息的查询方法，其特征在于，所述根据服务器下发的更新文件对本地缓存的终端配置文件进行更新之前，还包括：
    判断服务器下发的更新文件与下发至终端本地的更新文件是否一致；
    若一致，则触发根据服务器下发的更新文件对本地缓存的终端配置文件进行更新。
  5. 根据权利要求1至4任一项所述的智能卡信息的查询方法，其特征在于，所述向服务器发送终端配置请求，还包括：
    向服务器上传终端属性信息，以使得所述服务器根据所述终端属性信息发送第一标识，所述第一标识用于指示终端是否能够支持智能卡与终端之间进行虚拟资源转移功能；
    接收所述第一标识，并根据该第一标识展示相应的第一提示控件。
  6. 根据权利要求5所述的智能卡信息的查询方法，其特征在于，所述根据更新后的终端配置文件查询智能卡的卡片信息，包括：
    在更新后的终端配置文件中提取需查询的智能卡的区域配置信息；
    根据所述智能卡的区域配置信息获取第二标识，所述第二标识用于指示所述区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能；
    根据所述第二标识展示相应的第二提示控件。
  7. 根据权利要求6所述的智能卡信息的查询方法，其特征在于，所述根据更新后的本地缓存配置查询智能卡的卡片信息，还包括：
    当确定已缓存在本地的终端配置文件和所述更新文件指示的终端配置文件一致时，在更新后的终端配置文件中查询智能卡的区域配置信息；
    将查询的区域配置信息与需查询的智能卡的应用标识信息进行匹配；
    若匹配失败，则生成第三提示控件并展示，所述第三提示控件用于指示所述区域配置信息所对应的地理区域不能支持智能卡查询功能；
    若匹配成功，则判断查询的区域配置信息中是否有区域号；若没有区域号，则生成第四提示控件并展示，所述第四提示控件用于指示所述区域配置信息所对应的地理区域能够支持智能卡查询功能；若有区域号，则将查询的区域配置信息中的区域号与需查询的智能卡的区域号进行匹配，若匹配失败，则生成并展示所述第三提示控件；若匹配成功，则生成并展示所述第四提示控件。
  8. 一种智能卡信息的查询装置，其特征在于，包括存储器以及处理器，所述存储器内存储有处理器可执行指令，其中该处理器包括：
    发送单元，用于向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；
    文件接收单元，用于当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；
    更新单元，用于根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
    第一查询单元，用于当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
  9. 根据权利要求8所述的智能卡信息的查询装置，其特征在于，
    所述发送单元具体用于：向服务器发送携带第一版本号的终端配置请求，所述第一版本号为本地缓存的终端配置文件的版本号；
    所述文件接收单元具体用于：当服务器根据所述第一版本号确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件，所述更新文件携带最新的终端配置文件的版本号。
  10. 根据权利要求9所述的智能卡信息的查询装置，其特征在于，所述处理器还包括：
    第二查询单元，用于当服务器根据所述第一版本号确定不需要对终端本地缓存的终端配置文件进行更新时，根据本地缓存的终端配置文件查询智能卡的卡片信息。
  11. 根据权利要求8所述的智能卡信息的查询装置，其特征在于，所述处理器还包括：
    判断单元，用于判断服务器下发的更新文件与下发至终端本地的更新文件是否一致；
    触发单元，用于若一致，则触发所述更新单元根据服务器下发的更新文件对本地缓存的终端配置文件进行更新。
  12. 根据权利要求8至11任一项所述的智能卡信息的查询装置，其特征在于，所述处理器还包括：
    上传单元，用于向服务器上传终端属性信息，以使得所述服务器根据所述终端属性信息发送第一标识，所述第一标识用于指示终端是否能够支持智能卡与终端之间进行虚拟资源转移功能；
    标识接收单元，用于接收所述第一标识，并根据该第一标识展示相应的第一提示控件。
  13. 根据权利要求12所述的智能卡信息的查询装置，其特征在于，所述第一查询单元包括：
    提取子单元，用于在更新后的终端配置文件中提取需查询的智能卡的区域配置信息；
    获取子单元，用于根据所述智能卡的区域配置信息获取第二标识，所述第二标识用于指示所述区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能；
    第一展示子单元，用于根据所述第二标识展示相应的第二提示控件。
  14. 根据权利要求13所述的智能卡信息的查询装置，其特征在于，所述第一查询单元还包括：
    查询子单元，用于当确定已缓存在本地的终端配置文件和所述更新文件指示的终端配置文件一致时，在更新后的终端配置文件中查询智能卡的区域配置信息；
    匹配子单元，用于将查询的区域配置信息与需查询的智能卡的应用标识信息进行匹配；
    第二展示子单元，用于若匹配失败，则生成第三提示控件并展示，所述第三提示控件用于指示所述区域配置信息所对应的地理区域不能支持智能卡查询功能；
    判断子单元，用于若匹配成功，则判断查询的区域配置信息中是否有区域号；
    第三展示子单元，用于若没有区域号，则生成第四提示控件并展示，所述第四提示控件用于指示所述区域配置信息所对应的地理区域能够支持智能卡查询功能；
    所述匹配子单元，用于若有区域号，则将查询的区域配置信息中的区域号与需查询的智能卡的区域号进行匹配；
    所述第二展示子单元，用于若匹配失败，则生成并展示所述第三提示控件；
    所述第三展示子单元，用于若匹配成功，则生成并展示所述第四提示控件。
  15. 一种存储介质，其内存储有处理器可执行指令，其中该处理器可执行指令用于让处理器完成以下操作：
    向服务器发送终端配置请求，以便服务器根据所述终端配置请求确定是否需要对终端本地缓存的终端配置文件进行更新，所述终端配置文件为基于智能卡指示的地理区域进行配置的用于查询智能卡信息的文件；
    当确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件；
    根据服务器下发的更新文件对本地缓存的终端配置文件进行更新；
    当确定通过短距离通信方式与智能卡建立连接后，基于所述连接，根据更新后的终端配置文件查询智能卡的卡片信息。
  16. 根据权利要求15所述的存储介质，其特征在于，所述处理器可执行指令用于让处理器完成以下操作：
    向服务器发送携带第一版本号的终端配置请求，所述第一版本号为本地缓存的终端配置文件的版本号；
    当服务器根据所述第一版本号确定需要对终端本地缓存的终端配置文件进行更新时，接收服务器下发的更新文件，所述更新文件携带最新的终端配置文件的版本号。
  17. 根据权利要求16所述的存储介质，其特征在于，所述处理器可执行指令用于让处理器完成以下操作：
    当服务器根据所述第一版本号确定不需要对终端本地缓存的终端配置文件进行更新时，根据本地缓存的终端配置文件查询智能卡的卡片信息。
  18. 根据权利要求15所述的存储介质，其特征在于，所述处理器可执行指令用于让处理器完成以下操作：
    判断服务器下发的更新文件与下发至终端本地的更新文件是否一致；
    若一致，则触发根据服务器下发的更新文件对本地缓存的终端配置文件进行更新。
  19. 根据权利要求15至18任一项所述的存储介质，其特征在于，所述处理器可执行指令用于让处理器完成以下操作：
    向服务器上传终端属性信息，以使得所述服务器根据所述终端属性信息发送第一标识，所述第一标识用于指示终端是否能够支持智能卡与终端之间进行虚拟资源转移功能；
    接收所述第一标识，并根据该第一标识展示相应的第一提示控件。
  20. 根据权利要求19所述的存储介质，其特征在于，所述处理器可执行指令用于让处理器完成以下操作：
    在更新后的终端配置文件中提取需查询的智能卡的区域配置信息；
    根据所述智能卡的区域配置信息获取第二标识，所述第二标识用于指示所述区域配置信息所对应的地理区域是否能够支持智能卡与终端之间进行虚拟资源转移功能；
    根据所述第二标识展示相应的第二提示控件。
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