WO2017162035A1 - 一种ic卡电子现金账户间转账的方法及系统 - Google Patents

一种ic卡电子现金账户间转账的方法及系统 Download PDF

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WO2017162035A1
WO2017162035A1 PCT/CN2017/076040 CN2017076040W WO2017162035A1 WO 2017162035 A1 WO2017162035 A1 WO 2017162035A1 CN 2017076040 W CN2017076040 W CN 2017076040W WO 2017162035 A1 WO2017162035 A1 WO 2017162035A1
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card
transfer
account
amount
transferred
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PCT/CN2017/076040
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French (fr)
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李定洲
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中国银联股份有限公司
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the invention relates to the technical field of IC cards, in particular to a method and a system for transferring funds between electronic card accounts of IC cards.
  • the present invention proposes a method and system for electronic card inter-cash transfer of an IC card, and the purpose is to require the cardholder to perform the above-mentioned misoperation or to hold the card.
  • people want to recharge their friends and family IC card electronic cash instead of going to the bank counter they can use it to better improve the cardholder's electronic cash usage efficiency and user experience.
  • the present invention provides a method for transferring funds between electronic card accounts of an IC card, the method comprising: step 1, reading the electronic cash account information of the transferred card; and step 2, performing offline consumption of the transferred card, Deducting the amount of the transferred card, generating transaction data; Step 3, reading the transfer card information, verifying whether the sum of the electronic cash balance of the transferred card and the amount of the transferred card is less than or equal to the bank authorized electronic cash limit, if less than or Equal to the bank's authorized electronic cash limit, continue to step 4; If it is greater than the bank authorized electronic cash limit, it is determined that the transfer failed, and then the real-time transfer of the bank account of the transfer card is transferred; in step 4, the transferred account and the amount of the deposit are combined into a transaction message; Step 5 Transferring the non-designated account of the card into a circular transaction, generating a circular message after the completion of the transaction, and receiving the script command of the issuing bank to complete the update of the electronic cash; in step 6, sending the transaction data to the card
  • the present invention also provides a system for transferring funds between electronic card accounts of an IC card, the system comprising: a processing module, a proxy module, and a prepaid module; wherein the processing module is configured to read the electronic card Cash account information; the withholding module is used for offline consumption of the outgoing card, deducting the amount of the transferred card, and generating transaction data; the processing module is further configured to read the transfer card information, verify the transfer card Whether the sum of the electronic cash balance and the amount of the transferred card is less than or equal to the bank authorized electronic cash limit; if it is less than or equal to the bank authorized electronic cash limit, the prepaid module will transfer the credit card account and the amount of the deposit to form a transaction report.
  • the processing module is configured to read the electronic card Cash account information
  • the withholding module is used for offline consumption of the outgoing card, deducting the amount of the transferred card, and generating transaction data
  • the processing module is further configured to read the transfer card information, verify the transfer card Whether the sum of the electronic cash balance and the amount
  • the transfer failed If it is greater than the bank authorized electronic cash limit, it is determined that the transfer failed, and the real-time transfer of the bank account of the transfer card is transferred to the bank account; the prepaid module is also used for the non-designated account deposit transaction of the transferred card, After the transaction is completed, a circular message is generated, and the script command of the issuing bank is received to complete the update of the electronic cash; the withholding module is also used for the transaction. It is sent to the card issuer, organization or liquidation.
  • the method and system for transferring funds between electronic cash accounts of an IC card proposed by the present invention can increase the application scenario of balance transfer between electronic cash accounts without affecting the existing electronic cash operation process. It not only increases the cost of retrofitting, but also improves the user experience of e-cash, and effectively solves the problems of users' false recharge, electronic cash not supporting transfer, and low turnover rate. And by increasing the effective turnover rate of electronic cash, it is expected to further increase the enthusiasm of users of electronic cash (eg, flash payment).
  • FIG. 1 is a flow chart of a method for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a system for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention
  • FIG. 3 is a schematic diagram of a specific application of a system for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention.
  • E-cash It mainly refers to a micro-payment application based on debit/credit application designed to facilitate the small-scale consumption of cardholders and their affiliated cardholders.
  • the initial balance of electronic cash account is RMB0. Yuan, the maximum balance shall not exceed RMB 1,000 (inclusive), and the amount of single offline consumption shall not exceed RMB 200 (inclusive).
  • the e-cash account balance limit or transaction limit may be set by Party A according to the relevant provisions of the state. Circulation: It means that the consumer usually withdraws cash from the bank account in the pocket for consumption payment, and becomes the direct storage (storage) of the money in the consumer bank account on the IC chip, that is, the electronic wallet.
  • FIG. 1 is a flow chart of a method for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention. As shown in Figure 1, the method includes:
  • Step S101 setting a transfer card transfer quota and a non-designated account deposit support list; wherein, the debit card account that needs to participate in the withholding and prepaid operations in the service, and the current support for the non-designated account deposit transaction may be updated.
  • List of banking institutions that is, "non-designated account storage support list.”
  • Step S102 reading the electronic cash account information of the transfer card, verifying whether the cash balance is greater than or equal to the transfer amount, and if less than the transfer amount, updating the transfer amount to the cash balance, if the transfer amount is greater than or equal to the transfer amount, the transfer limit is not changed. .
  • Step S103 offline consumption of the transferred card, deducting the amount of the transferred card, and generating transaction data for retention.
  • Step S104 reading the transfer card information, verifying whether the sum of the transfer card electronic cash balance and the transfer card consumption amount is less than or equal to the bank authorized electronic cash limit, if less than or equal to the bank authorized electronic cash limit, proceeding to step S105 If it is greater than the bank authorized electronic cash limit, it is determined that the transfer failed, and the real-time transfer of the bank account of the transfer card is transferred.
  • step S105 the amount transferred to the card account and the deposit amount constitute a transaction message.
  • Step S106 judging whether the transfer card supports the non-designated account circle according to the non-designated account circle support list, if the non-designated account is supported, proceeding to step S107; if the non-designated account is not supported, determining that the transfer fails, In turn, a real-time transfer of the bank account of the bank card to which the card is transferred is made.
  • Step S107 performing a non-designated account deposit transaction of the transfer card, generating a circled message after the completion of the circle transaction, and receiving a script command of the issuer to complete the update of the electronic cash.
  • step S108 the transaction data is sent to the card organization or the issuing bank for clearing. Alternatively, you can print the transaction details by connecting an external printer.
  • the embodiment of the present invention further provides a system for transferring funds between electronic card accounts of an IC card, as described in the following embodiments.
  • a system for transferring funds between electronic card accounts of an IC card as described in the following embodiments.
  • the systems described in the following embodiments are preferably implemented in software, hardware, or a combination of software and hardware, is also possible and contemplated.
  • FIG. 2 is a schematic structural diagram of a system for transferring funds between electronic card accounts of an IC card according to an embodiment of the present invention.
  • the system includes: a processing module 100, a proxy module 200, a prepaid module 300, and a setting module 400.
  • the setting module 400 can provide the user with a setting of the debit card account, and the debit card can be used to receive the amount of money transferred from the outgoing card, It can be used to transfer the transferred amount transferred to the card issuing bank's main account corresponding to the transfer card.
  • the setting module 400 will also provide a "non-designated account inventory support list" for the subsequent prepaid module 300 to perform a query operation, and the "non-designated account storage support list" can be periodically performed from the designated background. Extract and update.
  • the processing module 100 is connected to an NFC module, and is responsible for receiving and processing electronic account information read from the transfer card and the transfer card. At the same time, it is also responsible for acquiring various related information input by the user on the terminal. When the processing module 100 reads the card, it needs to be clear that the first reading of the entry information is the outgoing card, and the second reading of the entry is the transfer card.
  • the storage transaction fails due to the occurrence of the abnormality of the storage, the current transaction is cancelled, and only the primary account of the bank card to which the card is transferred is generated. Real-time transfer transactions.
  • each module when the system performs a circle, the functions of each module are as follows:
  • the processing module 100 is further configured to read the transferred card information, and verify whether the sum of the electronic cash balance of the transferred card and the amount of the transferred card is less than or equal to the bank authorized electronic cash amount.
  • the prepaid module 300 converts the amount transferred into the card account and the deposit into a transaction message
  • the non-designated account deposit transaction of the transferred card is continued, the circled message is generated after the transaction is completed, and the script issuing command of the issuing bank is completed to complete the update of the electronic cash.
  • the broker module 200 is also used to send transaction data to the card organization or the issuing bank for clearing.
  • the receiving device 2000 is configured to perform a non-designated account ring transaction of the transfer card, generate a circled message after the circle transaction is completed, and receive a script command of the card issuer to complete the update of the electronic cash; the sending device 3000 Used to send transaction data to the card organization or issuer for clearing.
  • the calculator 1000 can be a computer, a mobile terminal, a field programmable logic array (FPGA), an application specific integrated circuit (ASIC), etc.; the receiving device 2000 and the transmitting device 3000 can be an antenna; the input device 4000 can be a keyboard, a mouse, a plotter, etc. .
  • the calculator 1000 is further configured to: after reading the electronic card account information of the transfer card, verify whether the cash balance is greater than or equal to the transfer amount, wherein, if less than the transfer amount For the amount, the transfer amount is updated to the cash balance, and if it is greater than or equal to the transfer amount, the transfer amount is not changed.
  • the calculator 1000 is further configured to determine, according to the non-designated account inventory support list, whether the transferred card supports non-designated account storage, wherein if the non-designated account is supported, Specify the account to deposit, continue to transfer the non-designated account to transfer the card; if the non-designated account is not supported, determine that the transfer failed, and then transfer the real-time transfer of the bank account to the card.
  • system can be connected to an external printer, which is used to print the transaction details.
  • the method and system for transferring funds between electronic cash accounts of an IC card proposed by the present invention can increase the application scenario of balance transfer between electronic cash accounts without affecting the existing electronic cash operation process. It not only increases the cost of retrofitting, but also improves the user experience of e-cash, and effectively solves the problems of users' false recharge, electronic cash not supporting transfer, and low turnover rate. And by increasing the effective turnover rate of electronic cash, it is expected to further increase the enthusiasm of users of electronic cash (eg, flash payment).

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Abstract

本发明公开了一种IC卡电子现金账户间转账的方法及系统，其中，该方法包括：步骤1，读取转出卡电子现金账户信息；步骤2，对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据；步骤3，读取转入卡信息，校验电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度，如果小于或等于银行授权电子现金额度，继续执行步骤4；否则判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账；步骤4，将转入卡账户和圈存的金额组成交易报文；步骤5，进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新；步骤6，将交易数据发送至卡组织或发卡行进行清算。

Description

一种IC卡电子现金账户间转账的方法及系统
相关申请的交叉引用
本申请要求2016年03月23日递交，申请号为CN201610167877.9，标题为“一种IC卡电子现金账户间转账的方法及系统”的中国专利的优先权，上述专利申请的全部内容被引用作为参考。
技术领域
本发明涉及IC卡技术领域，尤指一种IC卡电子现金账户间转账的方法及系统。
背景技术
目前，电子现金的应用日益广泛。但是，对现有电子现金流程而言，一般只能够支持电子现金圈存、电子现金消费和脱机退货等几种基本功能，尚不能够支持电子现金的转账功能，这就导致了经常会有用户由于误操作而在ATM机之类的自助设备上误将钱圈存进IC卡的电子现金账户中。而就现有流程而言，假如用户要想将这笔钱重新取出来，就需要专门去营业厅将其电子现金账户销户才得以办理。如此大大影响了持卡人的用卡体验，也可能会让持卡人对于电子现金这一新型支付方式留下了很不好的印象，甚至影响到电子现金的进一步普及。
发明内容
为了较好地解决现有流程不支持电子现金转账的问题，本发明提出了一种IC卡电子现金间转账的方法及系统，目的是希望持卡人在发生上述误操作时，或者是持卡人希望为自己的亲朋好友IC卡电子现金充值而不想专门去银行柜台时，可以采用以便更好地提高持卡人电子现金的使用效率和用户体验。
为达到上述目的，本发明提出了一种IC卡电子现金账户间转账的方法，该方法包括：步骤1，读取转出卡电子现金账户信息；步骤2，对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据；步骤3，读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度，如果小于或等于银行授权电子现金额度，继续执行步骤4；如 果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账；步骤4，将转入卡账户和圈存的金额组成交易报文；步骤5，进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新；步骤6，将交易数据发送至卡组织或发卡行进行清算。
为达到上述目的，本发明还提出了一种IC卡电子现金账户间转账的系统，该系统包括：处理模块、代扣模块、预付模块；其中，所述处理模块用于读取转出卡电子现金账户信息；所述代扣模块用于对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据；所述处理模块还用于读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度；如果小于或等于银行授权电子现金额度，则由所述预付模块将转入卡账户和圈存的金额组成交易报文；如果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账；所述预付模块还用于进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新；所述代扣模块还用于将交易数据发送至卡组织或发卡行进行清算。
利用本发明提出的IC卡电子现金账户间转账的方法及系统，可以在不影响现有电子现金操作流程的情况下，增加电子现金账户间余额转账的应用场景。既不增加改造成本，也更好地提高电子现金的用户使用体验，进而也有效地解决了用户误充值、电子现金不支持转账、流动率不高等问题。并且通过提高电子现金的有效流转率，期望更进一步提高电子现金(如，闪付)的用户使用积极性。
附图说明
此处所说明的附图用来提供对本发明的进一步理解，构成本申请的一部分，并不构成对本发明的限定。在附图中：
图1为本发明一实施例的IC卡电子现金账户间转账的方法流程图。
图2为本发明一实施例的IC卡电子现金账户间转账的系统结构示意图；
图3为本发明一实施例的IC卡电子现金账户间转账的系统具体应用示意图。
具体实施方式
以下配合图示及本发明的较佳实施例，进一步阐述本发明为达成预定发明目的所采取的技术手段。
在本发明实施例中，涉及到一些术语的表述，此处先进行说明如下：
电子现金：其主要是指为方便持卡人及其附属卡持卡人小额消费而设计的一种基于借记/贷记应用上实现的小额支付应用，电子现金账户初始余额为人民币0元，最高余额不得超过1000元人民币(含)，单笔脱机消费金额不得超过200元人民币(含)。电子现金账户余额上限或交易限额由甲方在遵循国家相关规定的前提下，可自行按产品设定。圈存：就是将消费者平时从银行户头中提领现金放在口袋里进行消费付款的方式，变成将消费者银行户头中的钱直接圈存(存入)IC晶片上，即电子钱包。
结合图1所示，为本发明一实施例的IC卡电子现金账户间转账的方法流程图。如图1所示，该方法包括：
步骤S101，设置转出卡转账额度、非指定账户圈存支持列表；其中，可以预先通过业务中需要参与到代扣和预付操作的借记卡账户，以及更新当前支持非指定账户圈存交易的银行机构清单，即“非指定账户圈存支持列表”。另外，根据业务发展需要，还可以为每一个转账用户提供账户注册登录功能，以便为转账用户提供更便捷的用户体验。
步骤S102，读取转出卡电子现金账户信息，校验现金余额是否大于或等于转账额度，如果小于转账额度，将转账额度更新为所述现金余额，如果大于或等于转账额度，不更改转账额度。
步骤S103，对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据进行留存。
步骤S104，读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度，如果小于或等于银行授权电子现金额度，继续执行步骤S105；如果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
步骤S105，将转入卡账户和圈存的金额组成交易报文。
步骤S106，根据非指定账户圈存支持列表，判断转入卡是否支持非指定账户圈存，如果支持非指定账户圈存，继续执行步骤S107；如果不支持非指定账户圈存，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
步骤S107，进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新。
步骤S108，将交易数据发送至卡组织或发卡行进行清算。另外，还可以通过连接外部打印机，以打印交易明细。
基于同一发明构思，本发明实施例中还提供了一种IC卡电子现金账户间转账的系统，如下面的实施例所述。尽管以下实施例所描述的系统较佳地以软件来实现，但是硬件，或者软件和硬件的组合的实现也是可能并被构想的。
以下实施例将以NFC智能终端为例进行说明，但实施方式并不仅限于此，也可以包括蓝牙或其他实施方式。
结合图2所示，为本发明一实施例的IC卡电子现金账户间转账的系统结构示意图。如图2所示，该系统包括：处理模块100、代扣模块200、预付模块300、设置模块400。
为了能够较好的协助电子现金消费和圈存流程，设置模块400中可以为用户提供借记卡账户的设置，该借记卡可以用于接收来自于转出卡所消费的金额转入，也可用于将转出卡所转入金额转存到转入卡所对应的发卡行主账户中。
同时，设置模块400中还将提供一份“非指定账户圈存支持列表”以供后续预付模块300执行圈存操作时进行查询，该“非指定账户圈存支持列表”可定期从指定后台进行提取和更新。
处理模块100对接一NFC模块，负责接收和处理来自转入卡和转出卡读取到的电子账户信息；同时，还负责获取用户在终端上输入的各种相关信息。处理模块100在读卡时，需要明确的是，第一次读取录入信息为转出卡，而在第二次读取录入则为转入卡。
代扣模块200，用于在用户进行电子现金转账的时候，接收来自处理模块100的转出卡相关交易信息，并根据该交易信息生成相应的交易数据，此交 易数据应该包含转出卡电子现金账户信息、本次消费授权金额等。而在代扣模块200接收到该交易数据后，可将该交易数据及相关的交易证书密文发送给转接清算组织或者发卡行进行清算。
预付模块300主要用于对转入卡执行圈存操作。由于电子现金交易可能会存在一定的清算期，在转出卡消费清算前，这笔金额或许无法立即到达转入卡。对此，可以通过设置模块400所设置的默认借记卡来完成对转入卡的预付款操作，该操作将采用非接圈存进行，并采用现有非指定账户圈存流程进行交易。在完成预付款圈存后，预付模块300还将此次圈存交易的交易明细进行留存以以备将来出现争端时可提供证据。
需要说明的是，在预付模块300执行非指定账户圈存时，会先根据转出卡电子现金账户信息判断该转出卡所属发卡行是否支持非指定账户圈存，判断依据为设置模块400中的“非指定账户圈存支持列表”。如不支持则该预付模块300即对该发卡行发起两笔交易，一笔为设置模块400中借记卡账户对该转出卡所属银行卡主账户发起的实时转账交易，一笔则为持卡人根据该转出卡电子现金账户所发起的指定账户圈存交易，最终间接地完成对该转入卡的非接圈存交易。待交易完成后，预付模块300还将在收到发卡行命令后，继续转发相应脚本命令至卡片中以便完成最后对电子现金余额的更新操作。
进一步的，在预付模块300进行圈存操作的过程中，如果由于出现圈存异常的情况导致圈存交易失败时，则取消本次圈存交易，只发生对转出卡所属银行卡主账户的实时转账交易。
另外，在处理模块100处理完某笔转账交易后，处理模块100还将额外生成本次转出转入交易的交易明细，该交易明细应包括转出卡电子现金账户号、转入卡电子现金账户号以及交易金额等，并可根据用户需求通过无线连接外部打印机对此次转账的交易明细进行打印。
根据图1所示的流程，该系统进行圈存时，各个模块的实现的功能如下：
设置模块400，用于设置转出卡转账额度、非指定账户圈存支持列表。
处理模块100，用于读取转出卡电子现金账户信息，校验现金余额是否大于或等于转账额度，如果小于转账额度，将转账额度更新为现金余额，如果大于或等于转账额度，不更改转账额度。
代扣模块200，用于对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据。
处理模块100，还用于读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度。
如果小于或等于银行授权电子现金额度，则由预付模块300将转入卡账户和圈存的金额组成交易报文；
如果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
进一步的，预付模块300，还用于根据非指定账户圈存支持列表，判断转入卡是否支持非指定账户圈存。
如果支持非指定账户圈存，继续进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新。
如果不支持非指定账户圈存，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
代扣模块200，还用于将交易数据发送至卡组织或发卡行进行清算。
图3为本发明一实施例的IC卡电子现金账户间转账的系统具体应用示意图，如图3所示，该系统包括：计算器1000、接收装置2000、发送装置3000和输入装置4000。其中，所述计算器1000用于读取转出卡电子现金账户信息。所述计算器1000还用于对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据。所述计算器1000还用于读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度；其中，如果小于或等于银行授权电子现金额度，则将转入卡账户和圈存的金额组成交易报文；如果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。所述接收装置2000用于进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新；所述发送装置3000用于将交易数据发送至卡组织或发卡行进行清算。计算器1000可以为计算机、移动终端、现场可编程逻辑阵列(FPGA)、专用集成电路(ASIC)等；接收装置2000和发送装置3000可以为天线；输入装置4000可以为键盘、鼠标、绘图仪等。
当输入装置4000用于设置转出卡转账额度时，所述计算器1000还用于在读取转出卡电子现金账户信息后，校验现金余额是否大于或等于转账额度，其中，如果小于转账额度，将转账额度更新为所述现金余额，如果大于或等于转账额度，不更改转账额度。
当输入装置4000用于设置非指定账户圈存支持列表时，所述计算器1000还用于根据非指定账户圈存支持列表，判断转入卡是否支持非指定账户圈存，其中，如果支持非指定账户圈存，继续进行转入卡的非指定账户圈存交易；如果不支持非指定账户圈存，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
另外，系统还可以连接一个外部打印机，外部打印机用于对交易明细进行打印。
利用本发明提出的IC卡电子现金账户间转账的方法及系统，可以在不影响现有电子现金操作流程的情况下，增加电子现金账户间余额转账的应用场景。既不增加改造成本，也更好地提高电子现金的用户使用体验，进而也有效地解决了用户误充值、电子现金不支持转账、流动率不高等问题。并且通过提高电子现金的有效流转率，期望更进一步提高电子现金(如，闪付)的用户使用积极性。
以上所述的具体实施例，对本发明的目的、技术方案和有益效果进行了进一步详细说明，所应理解的是，以上所述仅为本发明的具体实施例而已，并不用于限定本发明的保护范围，凡在本发明的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本发明的保护范围之内。

Claims (10)

  1. 一种IC卡电子现金账户间转账的方法，其特征在于，该方法包括：
    步骤1，读取转出卡电子现金账户信息；
    步骤2，对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据；
    步骤3，读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度，如果小于或等于银行授权电子现金额度，继续执行步骤4；如果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账；
    步骤4，将转入卡账户和圈存的金额组成交易报文；
    步骤5，进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新；
    步骤6，将交易数据发送至卡组织或发卡行进行清算。
  2. 根据权利要求1所述的IC卡电子现金账户间转账的方法，其特征在于，该方法还包括：设置转出卡转账额度；
    在执行步骤1时，还包括：校验现金余额是否大于或等于转账额度，如果小于转账额度，将转账额度更新为所述现金余额，如果大于或等于转账额度，不更改转账额度。
  3. 根据权利要求1所述的IC卡电子现金账户间转账的方法，其特征在于，该方法还包括：设置非指定账户圈存支持列表；
    在执行完步骤4之后，还包括：根据非指定账户圈存支持列表，判断转入卡是否支持非指定账户圈存，如果支持非指定账户圈存，继续执行步骤5；如果不支持非指定账户圈存，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
  4. 根据权利要求1所述的IC卡电子现金账户间转账的方法，其特征在于，所述方法还包括：通过连接外部打印机，对交易明细进行打印。
  5. 一种IC卡电子现金账户间转账的系统，其特征在于，该系统包括：计算器、接收装置和发送装置，其中，
    所述计算器用于读取转出卡电子现金账户信息；
    所述计算器还用于对转出卡进行脱机消费，扣除转出卡消费金额，生成交易数据；
    所述计算器还用于读取转入卡信息，校验转入卡电子现金余额与转出卡消费金额之和是否小于或等于银行授权电子现金额度；其中，如果小于或等于银行授权电子现金额度，则将转入卡账户和圈存的金额组成交易报文；如果大于银行授权电子现金额度，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账；
    所述接收装置用于进行转入卡的非指定账户圈存交易，在圈存交易完成后生成圈存报文，并接收发卡行的脚本命令完成对电子现金的更新；
    所述发送装置用于将交易数据发送至卡组织或发卡行进行清算。
  6. 根据权利要求5所述的IC卡电子现金账户间转账的系统，其特征在于，所述系统还包括：
    输入装置，用于设置转出卡转账额度。
  7. 根据权利要求6所述的IC卡电子现金账户间转账的系统，其特征在于，所述计算器还用于在读取转出卡电子现金账户信息后，校验现金余额是否大于或等于转账额度，其中，如果小于转账额度，将转账额度更新为所述现金余额，如果大于或等于转账额度，不更改转账额度。
  8. 根据权利要求6所述的IC卡电子现金账户间转账的系统，其特征在于，所述输入装置还用于设置非指定账户圈存支持列表。
  9. 根据权利要求8所述的IC卡电子现金账户间转账的系统，其特征在于，所述计算器还用于根据非指定账户圈存支持列表，判断转入卡是否支持非指定账户圈存，其中，如果支持非指定账户圈存，继续进行转入卡的非指定账户圈存交易；如果不支持非指定账户圈存，判定转账失败，转而进行对转入卡所属银行卡主账号的实时转账。
  10. 根据权利要求8所述的IC卡电子现金账户间转账的系统，其特征在于，所述系统连接一外部打印机，用于对交易明细进行打印。
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