WO2017166049A1

WO2017166049A1 - Smart card service system and method

Info

Publication number: WO2017166049A1
Application number: PCT/CN2016/077665
Authority: WO
Inventors: 李昕光
Original assignee: 李昕光
Priority date: 2016-03-29
Filing date: 2016-03-29
Publication date: 2017-10-05

Abstract

A smart card service system and method, related to the field of data processing. The system comprises: an industry application system (110) used for activating and managing n industry applications; an account management system (120) used for managing a main account and subaccounts of each smart card, each subaccount corresponding to one industry application; a transaction management system (130) for managing transaction processes between each smart card and a bank system, an industry system and/or a third party payment platform and generating transaction data; a central clearing system (140) used for clearing, according to a predetermined dimension, transaction data generated by each smart card; and a security control system (150) used for generating a key for each smart card and required in the transaction processes of each smart card. The present invention solves the problem of interconnectivity between different smart cards, achieves the effect in that a transaction service between different systems can be implemented simply with one smart card so that a user simply needs to carry one smart cart to complete various transaction processes while traveling.

Description

Smart card service system and method

Technical field

The present invention relates to the field of data processing, and in particular, to a smart card service system and method.

Background technique

The smart card system, also known as the card system, is an IC (Integrated Circuit Card) card, PBOC (The People's Bank of China) card, PSAM (Purchase Secure Access Module). A system that uses a smart card such as a card or an electronic wallet to conduct transactions.

In the process of implementing the present invention, the inventor has found that at least the following problems exist in the prior art: the current smart card system usually covers only one industry, and different smart card systems cannot be interconnected, for example, the bus card can only be applied to the bus industry, and the provident fund card only Can be applied to the provident fund industry, users may need to bring multiple smart cards to travel, the use is more complicated.

Summary of the invention

In order to solve the problem that different smart cards cannot be interconnected, the embodiment of the present invention provides a smart card service system and method. The technical solution is as follows:

According to a first aspect of the embodiments of the present invention, a smart card service system is provided, the system comprising: an industry application system, an account management system, a transaction management system, a central clearing system, and a security control system;

The industry application system is used for opening and managing n industry applications, where the application is an application divided by industry and running in a smart card, n≥2;

The account management system is configured to manage a primary account and a sub-account of each smart card, and each sub-account corresponds to one industry application;

The transaction management system for interfacing with at least one banking system, an industry system, and/or a third party payment platform, managing transactions of each smart card with the banking system, the industry system, and/or the third party payment platform Process and generate transaction data;

The central clearing system is configured to use the transaction data generated by each smart card according to a predetermined dimension Performing a clearing, the predetermined dimension including an account dimension, an industry dimension, and/or a time dimension;

The security control system is configured to generate a key required for each smart card and a transaction process of each smart card, the key being used to ensure the security of the transaction process;

The industry application system includes: an application opening module, an application configuration module, and an application downloading module;

The application opening module is configured to receive an opening operation, and open at least one industry application according to the opening operation;

The application configuration module is configured to receive a configuration operation, and configure an application identifier and an application parameter for each industry application according to the configuration operation;

The application downloading module is configured to provide a download of the industry application to each smart card.

In a first possible implementation manner of the first aspect, the account management system includes:

Account management module, account storage module, account inquiry module and account binding module;

The account management module is configured to manage at least one of an account opening operation, an account freezing operation, an account cancellation operation, and an account encryption operation of the primary account and the sub account of each smart card;

The account inventory module is configured to store a specified amount from the primary account to the sub-account according to a user operation;

The account querying module is configured to receive a query request, and provide an inquiry service of each primary account and a sub-account according to the query request;

The account binding module is configured to bind different primary accounts, sub accounts, and third party accounts.

In a second possible implementation manner of the first aspect, the transaction management system includes:

Unified payment module and transaction management module;

The unified payment module is configured to interface with at least one banking system, an industrial system, and/or a third-party payment platform;

The transaction management module is configured to manage a transaction process of each smart card and the banking system, the industry system, and/or the third-party payment platform, and generate transaction data, where the transaction process includes offline consumption and online At least one of consumption, electricity service payment, gas service payment, water conservancy service payment, social security medical payment, public reserve payment and account recharge.

In a third possible implementation manner of the first aspect, the central clearing system includes:

Data clearing module, data reconciliation module, data settlement module and rule management module;

The data clearing module is configured to output the transaction data generated by each smart card according to a predetermined dimension every predetermined time, the predetermined dimension including an account dimension, an industry dimension, and/or a time dimension;

The data reconciliation module is configured to reconcile the transaction data generated by each smart card with the corresponding banking system, the industry system, and/or the third party payment platform according to an industry dimension every predetermined time. ;

The data settlement module is configured to settle the funds generated by the transaction process of each smart card with the corresponding banking system, the industry system, and/or the third-party payment platform according to an industry dimension every predetermined time;

The rule management module is configured to generate and manage report clearing rules, reconciliation rules, and/or rate rules according to industry dimensions.

In a fourth possible implementation manner of the first aspect, the security control system includes:

Key management module, data monitoring module and blacklist management module;

The key management module is configured to generate, manage, verify, and update each smart card and a key used in a transaction process of each smart card;

The data monitoring module is configured to generate a monitoring log according to the running condition of the smart card service system, and issue an abnormality alarm according to the monitoring log;

The blacklist management module is configured to perform blacklist addition or release operations on each smart card, a primary account or a sub-account in each smart card according to a preset rule.

In a fifth possible implementation manner of the first aspect, the smart card service system further includes:

a pre-system for receiving data requests from the terminal, the banking system, the industry system, and/or the third-party payment platform, and transmitting each data request concurrently to the industry application system according to the request type, The account management system, the transaction management system, and/or the central clearing system are processed, and the terminal is a terminal for performing read and write operations on the smart card.

In a sixth possible implementation manner of the first aspect, the smart card service system further includes:

A customer service system for providing customer service to a user of the smart card, the banking system, the industry system, and/or the third party payment platform via a website, phone, mail or text message.

In a seventh possible implementation manner of the first aspect, the smart card service system further includes:

a card-making system for generating and managing the smart card, the managing the smart card comprising: managing At least one of a card resource, a management card vendor resource, a management card task, a management card inventory, an initialization card, a load card application, an empty card, a management card expiration date, a cancellation card, and a loss report card.

According to a second aspect of the embodiments of the present invention, there is provided a smart card service method, in the system as described in the first aspect or any of the possible embodiments, the method comprising:

The industry application system opens and manages n industrial applications, which are applications that are classified according to industries and run on smart cards, n≥2;

The account management system manages a primary account and a sub-account of each smart card, and each sub-account corresponds to one industry application;

The transaction management system interfaces with at least one banking system, an industry system, and/or a third party payment platform, and manages a transaction process between each smart card and the banking system, the industry system, and/or the third party payment platform, and Generate transaction data;

The central clearing system clears the transaction data generated by each smart card according to a predetermined dimension, the predetermined dimension including an account dimension, an industry dimension, and/or a time dimension;

The security control system generates a key that is required to be used in each smart card and in the transaction flow of each smart card, the key being used to secure the transaction process.

The beneficial effects brought by the technical solutions provided by the embodiments of the present invention are:

By setting up the primary account and the sub-account in the smart card, each sub-account corresponds to an industry application and interfaces with multiple industry systems; solves the problem that different smart cards cannot be interconnected; and a smart card can achieve different Transaction services between banking systems, industry systems and/or third-party payment platforms, users only need to carry a smart card to travel to complete the effects of various transaction processes.

DRAWINGS

In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments will be briefly described below. It is obvious that the drawings in the following description are only some embodiments of the present invention. Other drawings may also be obtained from those of ordinary skill in the art in light of the inventive work.

1 is a schematic structural diagram of a smart card service system according to an embodiment of the present invention;

2 is a schematic structural diagram of a smart card service system according to another embodiment of the present invention;

3 is a schematic structural diagram of an industrial application system according to an embodiment of the present invention;

4 is a schematic structural diagram of an account management system according to an embodiment of the present invention;

FIG. 5 is a schematic diagram of the principle of an account management system according to an embodiment of the present invention; FIG.

6 is a schematic structural diagram of a transaction management system according to an embodiment of the present invention;

FIG. 7 is a schematic structural diagram of a data clearing system according to an embodiment of the present invention; FIG.

FIG. 8 is a schematic diagram of a principle of a data clearing system according to an embodiment of the present invention; FIG.

9 is a schematic structural diagram of a security management system according to an embodiment of the present invention;

FIG. 10 is a schematic diagram of a principle of a security management system according to an embodiment of the present invention; FIG.

11 is a schematic diagram of a principle of a customer service system according to an embodiment of the present invention;

FIG. 12 is a schematic diagram of a principle of a card making system according to an embodiment of the present invention; FIG.

FIG. 13 is a flowchart of a method for a smart card service method according to an embodiment of the present invention; FIG.

FIG. 14 is a schematic structural diagram of a server according to an embodiment of the present invention.

detailed description

The embodiments of the present invention will be further described in detail below with reference to the accompanying drawings.

First, several nouns related to the embodiments of the present invention are defined:

Smart card: mainly refers to contactless electronic cards, such as: IC (Integrated Circuit Card) card, PBOC (The People's Bank of China) card, PSAM (Purchase Secure Access Module) Access module) card or e-wallet, etc., also includes a special-shaped card such as a mobile phone card with similar functions.

Terminal: An electronic device capable of reading and writing smart cards, such as a POS (point of sale) machine, a self-service cash service terminal, and a mobile terminal supporting NFC (Near Field Communication) technology.

Banking system: The trading system used by each bank.

Industry system: trading systems used by various industries, such as: power industry systems, gas industry systems, water industry systems, provident fund industry systems, insurance industry systems, public transport systems, social security systems, etc.

Third-party payment platform: Some contract with the country where the product is located and major banks abroad, and have one A transaction support platform provided by a third-party independent organization that has strength and reputation protection, such as Alipay's Alipay platform and Tencent's Tenpay platform.

Please refer to FIG. 1, which is a structural block diagram of a smart card service system according to an embodiment of the present invention. The smart card service system 100 includes: an industry application system 110, an account management system 120, a transaction management system 130, a central clearing system 140, and a security control system 150;

The industrial application system 110 is used for opening and managing n industrial applications, and the industrial application is an application divided by industry and running in a smart card, n≥2.

The account management system 120 is configured to manage a primary account and a sub-account of each smart card, and each sub-account corresponds to one industry application.

The transaction management system 130 is configured to interface with at least one banking system, an industry system, and/or a third-party payment platform, manage a transaction process of each smart card with a banking system, an industry system, and/or a third-party payment platform, and generate transaction data.

The central clearing system 140 is configured to clear the transaction data generated by each smart card according to a predetermined dimension, and the predetermined dimension includes an account dimension, an industry dimension, and/or a time dimension.

The security control system 150 is configured to generate a key required for each smart card and each smart card transaction process, and the key is used to ensure the security of the transaction process.

The industry application system 110 includes: an application opening module, an application configuration module, and an application downloading module;

In summary, the smart card service system provided by the embodiment provides a master account and a sub-account in a smart card, each sub-account corresponding to an industry application, and docked with multiple industry systems; and the different smart cards cannot be interconnected. The problem is that a smart card can achieve transaction services with different banking systems, industry systems and/or third-party payment platforms. Users only need to carry a smart card to complete the transaction process.

Please refer to FIG. 2 , which is a structural block diagram of a smart card service system according to another embodiment of the present invention. The smart card service system 200 includes a front system 210 , an industry application system 220 , an account management system 230 , and a transaction management system 240 . Central clearing system 250, security control system 260, customer service system 270 and card making system 280;

The pre-system 210 is configured to receive data requests of the terminal, the banking system, the industry system, and/or the third-party payment platform, and send each data request to the industry application system 220, the account management system 230, and the transaction management system according to the request type. 240. The central clearing system 250, the security control system 260, the customer service system 270, and the card making system 280 perform processing, wherein the terminal is a terminal for performing read and write operations on the smart card. That is, the front-end system 210 receives the data request and then parses the data request and exchanges the message according to the predetermined protocol, which is a bridge between the terminal, the banking system, the industry system, and/or the third-party payment platform and the smart card service system 200.

When the terminal is connected to the front system 210, the front system 210 creates a corresponding session and tracks the created session to obtain the current state and information of the terminal. When the terminal is disconnected from the pre-system 210, the pre-system 210 releases the session resources that are paired with the terminal.

The industrial application system 220 is used for opening and managing n industrial applications, and the industrial application is an application divided by industry and running in a smart card, n≥2. Industry applications include, but are not limited to, power industry applications, gas industry applications, water industry applications, provident fund industry applications, insurance industry applications, bus applications, social security applications.

Specifically, the industry application system 220 includes an application provisioning module 222, an application configuration module 224, and an application download module 226, as shown in FIG.

The application opening module 222 is configured to receive an opening operation, and open at least one industry application according to the opening operation. That is, when an industry system is connected to the smart card service system 200, the corresponding industry application can be applied for, and the industry application can be run in the smart card.

The application configuration module 224 is configured to receive a configuration operation, and configure an application identifier and an application parameter for each industry application according to the configuration operation. That is, after the industry application is enabled, the application configuration module 224 configures resource planning, application identification, application parameters, and the like of the industry application.

The application download module 226 is configured to provide a download of the industry application to each smart card. The application download module 226 can provide remote downloads or local downloads of industry applications. Smart card download an industry application After that, you can apply to the corresponding business acceptance environment. For example, when a bus application is downloaded and installed in a smart card, it can be used as a bus card with a bus terminal; for example, when a gas station application is downloaded and installed in a smart card, it can be used as an oil card at a gas station.

The account management system 230 is configured to manage the primary account and the sub-account of each smart card. The primary account can be a bank account. Each sub-account corresponds to one industry application. If a smart card has m industrial applications installed at the same time, m sub-accounts can be opened accordingly.

Specifically, the account management system 230 can include an account management module 232, an account inventory module 234, an account query module 236, and an account binding module 238, as shown in FIG.

The account management module 232 is configured to manage at least one of an account opening operation, an account freezing operation, an account cancellation operation, and an account encryption operation of the primary account and the sub account of each smart card. Account activation operations, account freeze operations, account logout operations, and account encryption operations can be performed by an administrator or staff member.

The account circle module 234 is configured to store the specified amount from the master account into the child account according to the user operation. User operations can be triggered by the user on the terminal and sent by the front system 210 to the account inventory module 234.

The account querying module 236 is configured to receive a query request, and provide a query service of each primary account and a sub account according to the query request. The query service can be used to query balances, account status, and more.

The account binding module 238 is configured to bind different primary accounts, sub accounts, and third party accounts.

In an illustrative example, referring to FIG. 5, a smart card corresponds to a primary account, an electronic wallet account, a social security card account, and other sub-accounts. The user can divide the funds in the master account into different sub-accounts by the amount. The user can also transfer funds in the e-wallet sub-account between different accounts of the smart card by means of recharging, depositing and circled. The user can also consume through the POS terminal and the smart card, and the POS terminal clears the consumption record to the corresponding account.

The transaction management system 240 is configured to interface with at least one banking system, an industry system, and/or a third party payment platform, manage a transaction process of each smart card with a banking system, an industry system, and/or a third party payment platform, and generate transaction data.

Specifically, the transaction management system 240 includes a unified payment module 242 and a transaction management module 244, as shown in FIG.

A unified payment module 242 for payment with at least one banking system, industry system, and/or third party Platform docking. That is, the unified payment module 242 is configured to provide different interfaces to connect with the banking system, interface with different industry systems, and interface with different third-party payment platforms. Each interface can adopt a protocol with the corresponding system. These interfaces are used for data interaction in the transaction process of the smart card and the banking system, the transaction process of the smart card and the industrial system, and the transaction process of the smart card and the third party payment platform.

The transaction management module 244 is configured to manage a transaction process of each smart card with a banking system, an industry system, and/or a third-party payment platform, and generate transaction data, and the transaction process includes offline consumption, online consumption, power service payment, and gas service. At least one of payment, water service payment, social security medical payment, public reserve payment and account recharge. Obviously, the types of transaction processes are related to the types of industrial systems, and will not be described in detail in this embodiment.

The central clearing system 250 is configured to clear the transaction data generated by each smart card according to a predetermined dimension, and the predetermined dimension includes an account dimension, an industry dimension, and/or a time dimension.

The central clearing system 250 includes a data clearing module 252, a data reconciliation module 254, a data settlement module 256, and a rules management module 258, as shown in FIG.

The data clearing module 252 is configured to output the transaction data generated by each smart card according to a predetermined dimension every predetermined time, the predetermined dimension including an account dimension, an industry dimension, and/or a time dimension. That is, when the transaction data is generated, it may be stored in the transaction database first, and then the database is cleared when the transaction data is timed. The data clearing module 252 clears the transaction data in the clearing database every predetermined time interval. During the clearing, the data clearing module 252 can clear the transaction data generated by each smart card according to the account, for example, according to the account A, and clear the account according to the account B; the data clearing module 252 can also set each smart card. The generated transaction data is divided according to different industries, such as clearing according to the bus industry and clearing according to the social security industry; the data clearing module 252 can also separate the smart cards according to time. For example, according to the T-day to clear the points, according to T+1 days to clear the points and so on. The data clearing system 252 can also be sorted according to the merchant. In order to ensure the efficiency of the clearing, the data clearing module 252 can pre-index and partition the transaction data.

The data reconciliation module 254 is configured to reconcile the transaction data generated by each smart card with the corresponding banking system, industry system, and/or third party payment platform by industry dimension every predetermined time.

The data settlement module 256 is configured to combine the funds generated by the transaction process of each smart card with the corresponding banking system, the industry system, and/or the third-party payment platform according to the industry dimension every predetermined time. Count. Since some of the capital flow is not real-time, the data settlement module 256 can perform fund settlement with the designated banking system, industry system, and/or third-party payment platform at predetermined times.

The rule management module 258 is configured to generate and manage report clearing rules, reconciliation rules, and/or rate rules according to industry dimensions. That is, the report clearing rules required by the data clearing module 252, the reconciliation rules required by the data reconciliation module 254, and the rate rules required by the data settlement module 256 at the time of settlement are all supported by definition. The rules management module 258 can receive management operations to generate and manage different report clearing rules, reconciliation rules, and/or rate rules in accordance with industry dimensions based on management operations.

In an illustrative example, the workflow of central clearing module 250 is illustrated in FIG.

The security control system 260 is configured to generate a key required for each smart card and each smart card transaction process, and the key is used to ensure the security of the transaction process.

Specifically, the security control system 260 includes: a key management module 262, a data monitoring module 264, and a blacklist management module 266, as shown in FIG. 9;

The key management module 262 is configured to generate, manage, verify, and update each smart card and a key that is required to be used in the transaction process of each smart card.

The key management module 262 can be a set of software systems that manage various keys in the smart card service system from the perspective of key usage, and key algorithm operations and operations are implemented by hardware cryptographic devices.

The key management module 262 supports key multi-level scatter and key two-level management. The multi-level decentralization of the key means that the key written to the smart card at the time of card issuance may be a sub-key after the main key is dispersed multiple times. The multi-level decentralized key system can ensure that the keys between different decentralized areas are independent of each other and can be mutually common; and the two-level management of the keys refers to the management at the headquarters level and the management at the branch level. Headquarters level management can be managed by the operating company. The headquarters is responsible for the custody of the main card. The master key card and the master transport card of the smart card service system are generated by the master card, and the master key is imported into the encryptor. The branch-level management is managed and operated by the financial IC card key management center set up by the subordinate organization authorized by the operating company headquarters. The branch-level key management is performed by using the branch master key card and the main transport card issued by the headquarters to issue various card-issuing cards required for the branch or directly into the encryption machine of the branch.

The data monitoring module 264 is configured to generate a monitoring log according to the running condition of the smart card service system, and issue an abnormal situation alarm according to the monitoring log.

The monitoring log generated by the data monitoring module 264 can perform update, delete, add, export, and play Printing operation. When an abnormal situation occurs, the data monitoring module 264 performs an alarm by any one of mail, short message, telephone, and voice message.

The blacklist management module 266 is configured to perform blacklist addition or cancellation operations on each smart card, the primary account or the sub-account in each smart card according to a preset rule. When a smart card or an account generates a violation, the smart card or account is added to the blacklist, and the smart card or account added to the blacklist cannot be used. The smart card or account can continue to be used only after the smart card or account has been removed from the blacklist or entered the whitelist.

In an illustrative example, referring to FIG. 10, the data monitoring module 264 can monitor the running status of the smart card service system, can monitor and monitor each port in the smart card service system, and send a text message or mail in the event of an abnormal situation. Early warning. Based on the monitoring data of the data monitoring module 264, the blacklist management module 266 can perform black/white list addition, blacklist logout, and blacklist warning, etc. The key management module 262 performs key generation and master key distribution to obtain a subkey. , key security verification and key-based transaction data verification.

Preferably, the security control system 260 may further include: a rights management module. The rights management module can authorize different operation rights according to the role of the operator, and then manage and establish the roles of each operator; and assign the operation menu to operators with different rights.

The customer service system 270 is used to provide customer service to the smart card user, the banking system, the industry system, and/or the third party payment platform through a website, phone, mail or text message. Customer service includes card business, account business, data query service, information release service and integrated service, as shown in Figure 11. among them,

Card business includes card purchase, industry application cartoon, card recharge, card withdrawal, and card loss.

Account business includes account application entry, account opening, account freezing, account thawing, account circling and account trading.

The data query service includes personal consumption bill inquiry, merchant information inquiry, application service inquiry and the like.

The information publishing business includes the release of preferential information, notice of matters, adjustment of service content, corporate promotion and comments.

The card-making system 280 is configured to generate and manage a smart card. The management smart card includes: managing card resources, managing card supplier resources, managing card-making tasks, managing card inventory, initializing cards, loading card applications, emptying cards, managing card expiration dates, and deregistering cards. And at least one of the lost cards.

In an illustrative example, referring to FIG. 12, card making system 280 can include a card making data center, a security control platform, and a security card making terminal. When the blank card is purchased, the card making system 280 performs card merchant management. When the blank card is stored in the warehouse, the card making system 280 performs inventory management and resource management. When the blank card is being produced, the card data center and the security control platform generate smart card data, the smart card data includes the smart card identifier and the corresponding key, and then the smart card data is transmitted to the security card terminal through the dedicated line or the digital circuit in an encrypted transmission manner. The security card terminal writes the smart card data into the blank card to obtain the finished card, and the finished card can be a special-shaped card, a mobile phone card and a citizen card. For the finished card that has been generated, the card making system 280 can also perform card washing, card real name system, and industry application loading of the smart card.

The smart card service system provided by the embodiment implements the opening, management and downloading of industrial applications through the industrial application system, and can provide different industrial applications for the same smart card, so that the same smart card can serve as different smart cards in different business links. To use it.

The smart card service system provided in this embodiment implements the management of the primary account and the sub-account through the account management system, and each sub-account can correspond to an industry application, so that the funds in the smart card can be flexibly transferred between different primary accounts and sub-accounts.

The smart card service system provided by the embodiment implements transactions between the smart card and different banking systems, between the smart card and different industry systems, and between the smart card and different third-party payment platforms through the transaction management system. Allow users to use the same smart card to complete virtual consumption such as offline consumption, online consumption, electricity service payment, gas service payment, water conservancy service payment, social security medical payment, public reserve payment, purchase of third-party payment platform, Use a third-party payment platform for payments and other operations.

The smart card server system provided in this embodiment also implements information security management of the entire smart card service system through the security control system, and ensures the security of each smart card and each smart card in the transaction process.

Please refer to FIG. 13, which is a flowchart of a method for a smart card service method according to an embodiment of the present invention. This embodiment is exemplified by applying the smart card service system shown in FIG. 1 or FIG. 2 in this method. The method comprises:

Step 1301: The industrial application system opens and manages n industrial applications, and the industrial application is an application that is classified according to the industry and runs in the smart card, n≥2;

Industry applications include, but are not limited to, power industry applications, gas industry applications, water industry applications, provident fund industry applications, insurance industry applications, bus applications, social security applications. Specifically, this step includes the following substeps:

The industry application system receives the opening operation and opens at least one industry application according to the opening operation. That is, when an industry system is connected to the smart card service system, the corresponding industry application can be applied for, and the industry application can be run in the smart card.

The industry application system receives configuration operations and configures application identification and application parameters for each industry application according to the configuration operation. That is, after the application of the industry is opened, the industry application system configures the resource planning, application identification, and application parameters of the industry application.

The industry application system provides downloads of industry applications to each smart card. Industry applications can provide remote downloads or local downloads of industry applications. After the smart card downloads an industry application, it can be applied to the corresponding business acceptance environment. For example, when a bus application is downloaded and installed in a smart card, it can be used as a bus card with a bus terminal; for example, when a gas station application is downloaded and installed in a smart card, it can be used as an oil card at a gas station.

Step 1302: The account management system manages a primary account and a sub-account of each smart card, and each sub-account corresponds to one industry application;

This step can include the following substeps:

The account management system manages at least one of an account opening operation, an account freezing operation, an account logout operation, and an account encryption operation of the master account and the child account of each smart card. Account activation operations, account freeze operations, account logout operations, and account encryption operations can be performed by an administrator or staff member.

The account management system stores the specified amount from the primary account to the sub-account according to the user operation. User operations can be triggered by the user on the terminal and sent by the pre-system to the account management system.

The account management system receives the query request and provides query services for each primary account and sub-account according to the query request. The query service can be used to query balances, account status, and more.

The account management system binds different primary accounts, sub accounts and third party accounts.

Step 1303: The transaction management system interfaces with at least one banking system, an industry system, and/or a third-party payment platform, and manages a transaction process of each smart card with a banking system, an industry system, and/or a third-party payment platform, and generates transaction data;

The transaction management system provides different interfaces to the banking system, docks with different industry systems, and interfaces with different third-party payment platforms. Each interface can adopt a protocol with the corresponding system. These interfaces are used for data interaction in the transaction process of the smart card and the banking system, the transaction process of the smart card and the industrial system, and the transaction process of the smart card and the third party payment platform.

At the same time, the transaction process includes at least one of offline consumption, online consumption, electricity service payment, gas service payment, water conservancy service payment, social security medical payment, public reserve payment and account recharge. Obviously, the types of transaction processes are related to the types of industrial systems, and will not be described in detail in this embodiment.

Step 1304: The central clearing system clears the transaction data generated by each smart card according to a predetermined dimension, where the predetermined dimension includes an account dimension, an industry dimension, and/or a time dimension;

The central clearing system outputs the transaction data generated by each smart card at a predetermined time according to a predetermined dimension, including the account dimension, the industry dimension, and/or the time dimension. That is, when the transaction data is generated, it may be stored in the transaction database first, and then the database is cleared when the transaction data is timed. The central clearing system separates the transaction data in the clearing database at predetermined intervals. In the clearing, the central clearing system can clear the transaction data generated by each smart card according to the account, for example, according to account A, and clear according to account B; the central clearing system can also generate each smart card. The transaction data is divided according to different industries, such as clearing according to the bus industry and clearing according to the social security industry; the central clearing system can also separate each smart card according to time. For example, according to the T-day to clear the points, according to T+1 days to clear the points and so on. The central clearing system can also be sorted according to the merchant. In order to ensure the efficiency of the clearing, the central clearing system can pre-index and manage the transaction data.

The central clearing system reconciles the transaction data generated by each smart card with the corresponding banking system, industry system and/or third party payment platform according to industry dimensions every predetermined time.

The central clearing system settles the funds generated by the transaction process of each smart card at a predetermined time according to the industry dimension with the corresponding banking system, industry system and/or third-party payment platform. Since some capital flows are not real-time, the central clearing system can be assigned to silver at regular intervals. Banking systems, industry systems and/or third-party payment platforms for fund settlement.

The central clearing system generates and manages report clearing rules, reconciliation rules, and/or rate rules in accordance with industry dimensions. That is, the above report clearing rules, the above reconciliation rules, and the above rate rules all support customization. The central clearing system can receive management operations and generate and manage different report clearing rules, reconciliation rules, and/or rate rules based on industry dimensions based on management operations.

In step 1305, the security control system generates a key for each smart card and each smart card transaction process that is used to secure the transaction process.

The security control system can be a set of software systems that manage various keys in the smart card service system from the perspective of key usage. The key algorithm operations and operations are implemented by hardware cryptographic devices.

The security control system supports key multi-level scatter and key two-level management. The multi-level decentralization of the key means that the key written to the smart card at the time of card issuance may be a sub-key after the main key is dispersed multiple times. The multi-level decentralized key system can ensure that the keys between different decentralized areas are independent of each other and can be mutually common; and the two-level management of the keys refers to the management at the headquarters level and the management at the branch level. Headquarters level management can be managed by the operating company. The headquarters is responsible for the custody of the main card. The master key card and the master transport card of the smart card service system are generated by the master card, and the master key is imported into the encryptor. The branch-level management is managed and operated by the financial IC card key management center set up by the subordinate organization authorized by the operating company headquarters. The branch-level key management is performed by using the branch master key card and the main transport card issued by the headquarters to issue various card-issuing cards required for the branch or directly into the encryption machine of the branch.

In summary, the smart card service method provided by the embodiment provides a master account and a sub-account in a smart card, each sub-account corresponding to an industry application, and docked with multiple industry systems; and the different smart cards cannot be interconnected. The problem is that a smart card can achieve transaction services with different banking systems, industry systems and/or third-party payment platforms. Users only need to carry a smart card to complete the transaction process.

It should be noted that the foregoing embodiment provides a smart card service method. When the service is provided based on the smart card, only the division of each functional module is illustrated. In an actual application, the function distribution may be completed by different functional modules according to requirements. The internal structure of the device is divided into different functional modules to complete all or part of the functions described above. In addition, the smart card service device provided by the foregoing embodiment and the smart card service method embodiment are the same concept, and the specific implementation process is detailed in the device. Embodiments are not described here.

Please refer to FIG. 14, which is a schematic structural diagram of a server according to an embodiment of the present invention. One or more of the servers may constitute a front system, an industry application system, an account management system, a transaction management system, a central clearing system, a security control system, a customer service system, and a card making system in the embodiments of the present invention. The server 1400 includes a central processing unit (CPU) 1401, a system memory 1404 including random access memory (RAM) 1402 and read only memory (ROM) 1403, and a system bus 1405 that connects the system memory 1404 and the central processing unit 1401. The server 1400 also includes a basic input/output system (I/O system) 1406 that facilitates transfer of information between various devices within the computer, and mass storage for storing the operating system 1413, applications 1414, and other program modules 1415. Device 1407.

The basic input/output system 1406 includes a display 1408 for displaying information and an input device 1409 such as a mouse or keyboard for user input of information. The display 1408 and the input device 1409 are both connected to the central processing unit 1401 by an input/output controller 1410 connected to the system bus 1405. The basic input/output system 1406 can also include an input output controller 1410 for receiving and processing input from a plurality of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, input-output controller 1410 also provides output to a display screen, printer, or other type of output device.

The mass storage device 1407 is connected to the central processing unit 1401 by a mass storage controller (not shown) connected to the system bus 1405. The mass storage device 1407 and its associated computer readable medium provide non-volatile storage for the server 1400. That is, the mass storage device 1407 can include a computer readable medium (not shown) such as a hard disk or a CD-ROM drive.

Without loss of generality, the computer readable medium can include computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media include RAM, ROM, EPROM, EEPROM, flash memory or other solid state storage technologies, CD-ROM, DVD or other optical storage, tape cartridges, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art may know that the computer storage medium does not Limited to the above several. The system memory 1404 and mass storage device 1407 described above may be collectively referred to as a memory.

According to various embodiments of the present invention, the server 1400 may also be operated by a remote computer connected to the network through a network such as the Internet. That is, the server 1400 can be connected to the network 1412 through a network interface unit 1411 connected to the system bus 1405, or can be connected to other types of networks or remote computer systems (not shown) using the network interface unit 1414. .

The memory further includes one or more programs, the one or more programs being stored in a memory, the one or more programs including instructions for performing the smart card service method provided by embodiments of the present invention.

The serial numbers of the embodiments of the present invention are merely for the description, and do not represent the advantages and disadvantages of the embodiments.

A person skilled in the art may understand that all or part of the steps of implementing the above embodiments may be completed by hardware, or may be instructed by a program to execute related hardware, and the program may be stored in a computer readable storage medium. The storage medium mentioned may be a read only memory, a magnetic disk or an optical disk or the like.

The above are only the preferred embodiments of the present invention, and are not intended to limit the present invention. Any modifications, equivalents, improvements, etc., which are within the spirit and scope of the present invention, should be included in the protection of the present invention. Within the scope.

Claims

A smart card service system, characterized in that the system comprises: an industry application system, an account management system, a transaction management system, a central clearing system and a security control system;

The industry application system is used for opening and managing n industry applications, where the application is an application divided by industry and running in a smart card, n≥2;

The account management system is configured to manage a primary account and a sub-account of each smart card, and each sub-account corresponds to one industry application;

The transaction management system for interfacing with at least one banking system, an industry system, and/or a third party payment platform, managing transactions of each smart card with the banking system, the industry system, and/or the third party payment platform Process and generate transaction data;

The central clearing system is configured to clear the transaction data generated by each smart card according to a predetermined dimension, where the predetermined dimension includes an account dimension, an industry dimension, and/or a time dimension;

The security control system is configured to generate a key required for each smart card and a transaction process of each smart card, the key being used to ensure the security of the transaction process;

The industry application system includes: an application opening module, an application configuration module, and an application downloading module;

The application opening module is configured to receive an opening operation, and open at least one industry application according to the opening operation;

The application configuration module is configured to receive a configuration operation, and configure an application identifier and an application parameter for each industry application according to the configuration operation;

The application downloading module is configured to provide a download of the industry application to each smart card.
The system of claim 1 wherein said account management system comprises:

Account management module, account storage module, account inquiry module and account binding module;

The account management module is configured to manage at least one of an account opening operation, an account freezing operation, an account cancellation operation, and an account encryption operation of the primary account and the sub account of each smart card;

The account inventory module is configured to store a specified amount from the primary account to the sub-account according to a user operation;

The account query module is configured to receive a query request, and provide each primary account according to the query request Query service for household and sub-accounts;

The account binding module is configured to bind different primary accounts, sub accounts, and third party accounts.
The system of claim 1 wherein said transaction management system comprises:

Unified payment module and transaction management module;

The unified payment module is configured to interface with at least one banking system, an industrial system, and/or a third-party payment platform;

The transaction management module is configured to manage a transaction process of each smart card and the banking system, the industry system, and/or the third-party payment platform, and generate transaction data, where the transaction process includes offline consumption and online At least one of consumption, electricity service payment, gas service payment, water conservancy service payment, social security medical payment, public reserve payment and account recharge.
The system of claim 1 wherein said central clearing system comprises:

Data clearing module, data reconciliation module, data settlement module and rule management module;

The data clearing module is configured to output the transaction data generated by each smart card according to a predetermined dimension every predetermined time, the predetermined dimension including an account dimension, an industry dimension, and/or a time dimension;

The data reconciliation module is configured to reconcile the transaction data generated by each smart card with the corresponding banking system, the industry system, and/or the third party payment platform according to an industry dimension every predetermined time. ;

The data settlement module is configured to settle the funds generated by the transaction process of each smart card with the corresponding banking system, the industry system, and/or the third-party payment platform according to an industry dimension every predetermined time;

The rule management module is configured to generate and manage report clearing rules, reconciliation rules, and/or rate rules according to industry dimensions.
The system of claim 1 wherein said security control system comprises:

Key management module, data monitoring module and blacklist management module;

The key management module is configured to generate, manage, verify, and update each smart card and each smart The key required for the card's transaction process;

The data monitoring module is configured to generate a monitoring log according to the running condition of the smart card service system, and issue an abnormality alarm according to the monitoring log;

The blacklist management module is configured to perform blacklist addition or release operations on each smart card, a primary account or a sub-account in each smart card according to a preset rule.
The system of claim 1, wherein the smart card service system further comprises:

a pre-system for receiving data requests from the terminal, the banking system, the industry system, and/or the third-party payment platform, and transmitting each data request concurrently to the industry application system according to the request type, The account management system, the transaction management system, and/or the central clearing system are processed, and the terminal is a terminal for performing read and write operations on the smart card.
The system of claim 1, wherein the smart card service system further comprises:

A customer service system for providing customer service to a user of the smart card, the banking system, the industry system, and/or the third party payment platform via a website, phone, mail or text message.
The system of claim 1, wherein the smart card service system further comprises:

a card-making system for generating and managing the smart card, the managing the smart card comprising: managing card resources, managing card vendor resources, managing card-making tasks, managing card inventory, initializing cards, loading card applications, emptying cards, managing At least one of a card expiration date, a cancellation card, and a loss card.
A smart card service method, characterized in that, in the system according to any one of claims 1 to 9, the method comprises:

The industry application system opens and manages n industrial applications, which are applications that are classified according to industries and run on smart cards, n≥2;

The account management system manages a primary account and a sub account of each smart card, and each sub account corresponds to 1 Industry applications;

The transaction management system interfaces with at least one banking system, an industry system, and/or a third party payment platform, and manages a transaction process between each smart card and the banking system, the industry system, and/or the third party payment platform, and Generate transaction data;

The central clearing system clears the transaction data generated by each smart card according to a predetermined dimension, the predetermined dimension including an account dimension, an industry dimension, and/or a time dimension;

The security control system generates a key that is required to be used in each smart card and in the transaction flow of each smart card, the key being used to secure the transaction process.