WO2018006700A1 - 电子现金脱机支付方法与系统 - Google Patents

电子现金脱机支付方法与系统 Download PDF

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Publication number
WO2018006700A1
WO2018006700A1 PCT/CN2017/088579 CN2017088579W WO2018006700A1 WO 2018006700 A1 WO2018006700 A1 WO 2018006700A1 CN 2017088579 W CN2017088579 W CN 2017088579W WO 2018006700 A1 WO2018006700 A1 WO 2018006700A1
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WIPO (PCT)
Prior art keywords
electronic cash
amount
payment
account
application
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Ceased
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PCT/CN2017/088579
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English (en)
French (fr)
Inventor
陈成钱
周钰
郭伟
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China Unionpay Co Ltd
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China Unionpay Co Ltd
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Publication of WO2018006700A1 publication Critical patent/WO2018006700A1/zh
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/405—Establishing or using transaction specific rules

Definitions

  • the present invention relates to electronic cash related technologies and, more particularly, to electronic cash offline payment techniques.
  • E-cash can realize one-card multi-account and one-card multi-function of financial IC card, which can satisfy people's one-card, cross-industry and cross-regional small-scale fast payment.
  • the cardholder must deposit a certain amount (circle) with the electronic cash before using the electronic cash payment.
  • the amount in the electronic cash is regarded as cash, and can be consumed on all payment terminals such as POS machines and self-service vending machines that are marked with “Quick Pass”. The cardholder can complete the payment quickly without entering a password and signing.
  • the current electronic cash has a limit on the amount of offline consumption, and when the amount is used up, it is necessary to deposit cash online.
  • the existing storage means and storage equipment are very limited, and it is impossible for the user to recharge at any time and place, which brings great inconvenience to the user.
  • it is often necessary to recharge which will undoubtedly affect the user experience.
  • flash card Another problem that may be encountered in electronic cash payments is the "flash card” issue.
  • the electronic data offline consumption application last command error or the offline data authentication failure caused by the expiration of the POS terminal certificate will cause the user's electronic cash amount to be deducted but the product cannot be obtained, that is, the short result caused by the "flash card” Problem.
  • the current common solution to this problem is to resend the last command of offline authentication with a dedicated procedure, but the problem caused by the expiration of the certificate is invalid. Therefore, from a certain point of view, there is currently no effective solution to the flash card problem.
  • the present invention provides an electronic cash offline payment method, which comprises: a. an electronic cash application authenticates a payment terminal; b. in the case of passing the authentication, the electronic cash application determines the corresponding account of the electronic cash application according to the current time. Is the payable amount the balance of the preset amount or the preset to be restored? a quota, wherein the preset amount is a spending amount for a period of time preset for the account, the period of time is a spending period; c. in the case of determining to restore the preset amount, resetting the account The amount of consumption; d.
  • the subsequent payment process is performed; e. after the payment is successful, the consumption of the account is recorded. In order to generate a consumption record for the account.
  • the step b includes: the electronic cash application acquires a current time from the payment terminal; and compares the acquired current time with a start time of a latest consumption period in the electronic cash application If the time difference is longer than the consumption period, the e-cash application corresponding account's consumable amount is reset to a preset amount.
  • the electronic cash offline payment method wherein the step b comprises: the electronic cash application acquiring the current time from the payment terminal; and the obtained current time and the start of the latest consumption period in the electronic cash application Time comparison, if the time difference is longer than the consumption period, the consumable amount of the corresponding account of the electronic cash application is reset to the sum of the remaining amount and the preset amount.
  • the electronic cash offline payment method wherein the consumption period is one day or one week or two weeks or one month.
  • the electronic cash offline payment method wherein the payment terminal is a POS terminal or an electronic device having a payment terminal function.
  • the electronic cash payment method wherein the electronic cash application is implemented in a chip, in a printed circuit.
  • the electronic cash payment method wherein the electronic cash application is implemented as a software module.
  • the electronic cash payment method wherein the electronic cash application is implemented in a bank card.
  • an electronic cash offline payment system comprising: a first unit disposed in an electronic cash application for authenticating the payment terminal by the electronic cash application; and a second unit disposed in the electronic cash application for The electronic cash application determines, according to the current time, whether the consumable amount of the corresponding account of the electronic cash application is a preset amount of balance or a preset amount, wherein the preset amount is a preset consumption for the account for a period of time.
  • the amount, the period of time is the consumption period;
  • the third unit is set in the electronic cash application, so that the second unit determines to restore the preset amount, reset the The consumable amount of the account;
  • the fourth unit which is set in the electronic cash application and payment terminal, so as to execute after determining that the consumable amount is the balance of the preset amount or after resetting the consumable amount of the account Subsequent payment process;
  • the fifth unit is configured to record the consumption of the account after the payment is successful to generate a consumption record for the account.
  • the electronic cash offline payment system wherein the second unit comprises: a first subunit for acquiring a current time from a payment terminal; and a second subunit for using the acquired current time and The start time comparison of the latest consumption period in the electronic cash application, if the time difference is longer than the consumption period, the consumer amount of the corresponding account of the electronic cash application is reset to a preset amount.
  • the electronic cash offline payment system wherein the second unit comprises: a first subunit for acquiring a current time from a payment terminal; and a second subunit for using the acquired current time Compared with the start time of the last consumption period in the electronic cash application, if the time difference is longer than the consumption period, the consumable amount of the corresponding account of the electronic cash application is reset to the sum of the remaining amount and the preset amount.
  • the electronic cash offline payment system wherein the payment terminal is a POS terminal or a payment terminal disposed in an intelligent electronic device.
  • the electronic cash payment system wherein the electronic cash application is implemented in a chip, in a printed circuit.
  • the electronic cash payment system wherein the electronic cash application is implemented as a software module.
  • the electronic cash payment system wherein the electronic cash application is implemented in a bank card.
  • FIG. 1 is a flow chart of an electronic cash offline payment method in accordance with an example of the present invention.
  • FIG. 2 is a flow chart showing a specific example of the method shown in FIG. 1 according to the present invention.
  • an electronic cash offline payment method is provided.
  • 1 is a flow chart of an electronic cash offline payment method in accordance with an example of the present invention.
  • the electronic cash application authenticates the payment terminal.
  • the electronic cash application is communicable with the payment terminal, which is the same as the conventional electronic cash (or bank card with electronic cash function) and the POS terminal can communicate to perform the payment operation.
  • the electronic cash application first performs step 10 to authenticate the payment terminal in an offline state.
  • the way of authentication can be a combination of a conventional public key and a key. If the authentication is passed, proceed to step 12, otherwise, the offline payment is ended.
  • the electronic cash application determines whether the consumable amount of the corresponding account of the electronic cash application is the balance of the preset amount or the preset amount according to the current time, wherein the preset amount is The account is preset to a spending amount for a period of time, and the period of time is also referred to as a spending period.
  • the consumption period may be one day, one week, two weeks, or one month. This time period can be set as desired and is not limited as described herein.
  • the electronic cash application may acquire the current time from the payment terminal and compare the acquired current time with the time in the electronic cash application to determine between the time in the electronic cash application and the current time acquired. difference.
  • step 14 in the case where it is determined in step 12 that the preset amount is to be restored, the consumable amount of the account is reset.
  • step 16 in the case where it is determined in step 12 that the consumable amount is the balance of the preset amount or after the consumable amount of the account is reset, the subsequent payment process is executed.
  • the purchase of the account is recorded to generate a purchase record for the account.
  • This consumption record is generated in the payment terminal.
  • the issuing bank the bank that issued the electronic cash
  • the issuing bank can acquire the total amount of the account corresponding to the electronic cash based on the consumption record, thereby generating a repayment bill for the account.
  • step 12 if it is determined in step 12 that the difference between the acquired current time and the start time of the last consumption period in the electronic cash application is greater than the period of time, that is, longer than the consumption period, then The e-cash application corresponding account's consumable amount is reset to a preset amount regardless of the balance. In other words, in this case, the balance is cleared and the credit amount of the electronic cash in the period of time is changed back to the preset amount.
  • step 12 it is determined that the current time acquired is the most in the electronic cash application If the difference between the start times of the recent consumption periods is greater than the period of time, that is, longer than the consumption period, the consumable amount of the corresponding account of the electronic cash application is reset to the sum of the remaining amount and the preset amount. For example, if the electronic cash has a remaining amount of 20 yuan and the preset amount according to the present example is 200 yuan, in this example, the consumable amount of the corresponding account of the electronic cash application will be reset to 220 yuan.
  • the payment terminal may be a POS terminal, and may also be an electronic device having a payment terminal function, such as a smartphone having a POS function or the like.
  • an electronic cash application can be implemented in a chip, in a printed circuit, or in any similar carrier medium.
  • an electronic cash application can be implemented as a software module.
  • the electronic cash can be implemented in a bank card, such as an airline card, credit card, or the like.
  • step 16 is similar to the payment process of the existing electronic cash combined POS terminal.
  • the electronic cash application subtracts the amount of the current payment from the available consumption amount, thereby generating a new consumption amount.
  • FIG. 2 is a flow chart showing a specific example of the method shown in FIG. 1 according to the present invention.
  • the electronic cash application in the method shown in FIG. 2 is implemented in a bank card, the figure is illustrated as a bank card 100, the payment terminal is a POS terminal 200, and the background is 300.
  • the background 300 includes a banknote system and a card issuing bank of the bank card 100. The first thing to note is that the process takes place in the case of offline payments.
  • step 20 for payment by the bank card 100, the bank card 100 communicates with the POS terminal 200, and the POS terminal 200 selects its electronic cash application module from the bank card 100.
  • the bank card 100 authenticates the POS terminal 200 to determine its legitimacy. After the bank card 100 is selected, the bank card 100 returns the corresponding data, and requests the POS terminal 200 to perform security authentication through the corresponding PKI mechanism, and the bank card 100 performs legality authentication on the POS terminal 200. If the authentication fails, the bank card 100 stops. The interaction with the POS terminal directly returns an error; if the authentication is passed, continue the following process.
  • the POS terminal 200 transmits a GPO command to start offline consumption. Compared with the existing GPO command, it is necessary to increase the current time of the POS terminal in the new GPO command.
  • step 25 the bank card 100 determines whether the acquired current time is greater than the time stored on the bank card 100 for one day (in this example, one day is the consumption period), and if so, the electronic cash credit is restored to a preset amount. That is to say, the electronic cash amount that the bank card 100 can use in the next day is a preset amount, and if not, the consumable amount in the electronic cash is the remaining amount in the current card, wherein, in the electronic cash In the case of the first use today, the remaining amount in the current card is the preset amount.
  • the POS terminal 200 transmits a command to read the offline authentication data.
  • the bank card 100 transmits the offline authentication data to the POS terminal 200.
  • the POS terminal 200 authenticates the returned offline data. If the authentication passes, the bank card 100 is legal. Otherwise, the offline payment fails.
  • the bank card 100 updates the remaining balance of the electronic cash of the bank card 100, specifically the amount of the current payment.
  • the POS terminal 200 transmits the offline consumption settlement to the background 300.
  • the offline consumption settlement can be sent to the background 300 on the settlement date.
  • the cardholder in the event that a bank card including electronic cash is lost, the cardholder can report the loss to the bank.
  • the bank will write the lost bank card into the list of lost cards and send the list to each acquirer.
  • a payment terminal such as a POS terminal signs in every day
  • the list of lost calls can be received to know which cards are lost, thereby preventing the card from being accidentally swiped.
  • the payment terminal finds that the bank card in which the electronic cash associated with it is located is a loss card
  • a lock card command is sent. After the card receives the lock card command, it rejects any commands and no longer responds to any consumption.
  • the issuing bank can also push the list of lost calls to the POS terminal at any time.
  • the processing of the lost card may be performed, for example, as follows: the POS terminal acquires the list of the lost card; the POS terminal sends a time to obtain the card card time to obtain the card card time (here, the bank card time may be the last of the card) The time of one consumption); determining whether the difference between the current time and the card time is greater than a preset value, and if so, the POS terminal terminates the process and issues a lock card command to the bank card; or in the process of reading offline authentication data If the read card is found to be a loss card account, the process is terminated and a lock card command is sent to the bank card; after the bank card lock card, an acknowledgement message is sent to the POS terminal, and the POS terminal transmits the account information of the locked card to the background.
  • the background can choose to remove the locked card from the list of lost calls.
  • the setting of the preset value is to prevent the problem that the card is unattended or the illegal user does not swipe the card for a long time, so that the card information cannot be recovered from the list of the lost card and the storage space is wasted.
  • an electronic cash payment system includes: a first unit disposed in an electronic cash application for the electronic cash application to authenticate the payment terminal; and a second unit disposed in the electronic cash application for the electronic cash
  • the application determines, according to the current time, whether the consumable amount of the corresponding account of the electronic cash application is a preset amount of balance or a preset amount, wherein the preset amount is a preset amount of consumption for the account for a period of time.
  • the period of time is the consumption period;
  • the third unit is set in the electronic cash application, so that the second unit determines to restore the preset amount, and resets the consumable amount of the account;
  • the fourth unit is set in the electronic In the cash application and payment terminal, in order to perform the subsequent payment process after determining that the consumable amount is the balance of the preset amount or after resetting the consumable amount of the account;
  • the fifth unit is used after the payment is successful Recording the purchase of the account to generate a consumption record for the account, wherein the fifth unit can be set at the payment terminal .
  • the second unit further comprises a first subunit and a second subunit.
  • the first subunit is configured to acquire a current time from the payment terminal
  • the second subunit is configured to compare the acquired current time with a start time of a latest consumption period in the electronic cash application, if the time difference is longer than the consumption period, The e-cash application corresponding account's consumable amount is reset to a preset amount.
  • the second unit may include a first subunit for acquiring a current time from the payment terminal; and a second subunit for using the acquired current time with the start of the latest consumption period in the electronic cash application Time comparison, if the time difference is longer than the consumption period, the consumable amount of the corresponding account of the electronic cash application is reset to the sum of the remaining amount and the preset amount.
  • the electronic cash offline payment method of the present invention sets a preset amount for the account corresponding to the electronic cash, that is, the maximum in the consumption period such as one day or one week The amount of consumption), and the way to repay after the first consumption, so that users do not need to recharge when using electronic cash.
  • the user experience is greatly improved compared to existing cash payments.
  • the flash card problem is also effectively avoided.

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Abstract

一种电子现金脱机支付方法和系统，方法包括：电子现金应用对支付终端进行认证（10）；确定电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设额度（12），其中预设额度是为账户预设的针对一段时间的消费额度，一段时间指消费时段；在确定要恢复预设额度的情况下，重设账户的可消费金额（14）；确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程（16）；在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录（18）。

Description

电子现金脱机支付方法与系统 技术领域
本发明涉及电子现金相关的技术，更为具体地，涉及电子现金脱机支付技术。
背景技术
电子现金已在一定范围内使用。电子现金可以实现金融IC卡的一卡多账户、一卡多功能，满足人们一卡在手，跨行业、跨区域的小额快速支付使用。持卡人在使用电子现金闪付前，要向电子现金预存一定的金额(圈存)。电子现金中的金额视同现金，可以在所有引有“Quick Pass闪付”的POS机、自助售货机等支付终端上消费，持卡人无需输入密码和签单，可快速完成支付。
电子现金的交易方式有两种，一种是联机交易，一种是脱机交易。脱机交易时只需把卡放在读卡器附近刷卡，即可完成交易，整个过程无需输入密码、不用签名，非常方便。
然而，当前电子现金在脱机消费时有额度限制，额度用完，就需要联机圈存现金。但现有的圈存手段和圈存设备十分有限，无法让用户做到随时随地充值，对用户带来很大的不便。另外，就算可以随时随地充值，在用户使用过程中，也是经常需要充值，这无疑也会影响用户体验。
电子现金支付中可能遇到的另一问题在于“闪卡”问题。电子现金脱机消费应用最后一条命令通讯错误或POS终端证书过期造成的脱机数据认证失败，会引起用户电子现金金额已扣掉但无法获取商品的问题，即因“闪卡”所引起的短款问题。目前解决该问题比较常用的手段是用专用流程再重新发送脱机认证的最后一条命令，但对证书过期这一原因所造成的问题则无效。因此，从某一角度讲，目前针对闪卡问题尚无有效的解决方法。
发明内容
有鉴于此，本发明提供电子现金脱机支付方法，其包括：a.电子现金应用对支付终端进行认证；b.在认证通过的情况下，电子现金应用根据当前时间确定该电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设 额度，其中，该预设额度是为所述账户预设的针对一段时间的消费额度，所述一段时间为消费时段；c.在确定要恢复预设额度的情况下，重设该账户的可消费金额；d.在确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程；e.在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录。
可选地，所述的电子现金脱机支付方法，所述步骤b包括：电子现金应用从支付终端获取当前时间；将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为预设额度。可替代地，所述的电子现金脱机支付方法，其中，所述步骤b包括：电子现金应用从支付终端获取当前时间；将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为剩余金额与预设额度的和。
可选地，所述的电子现金脱机支付方法，其中，所述消费时段为一天或一周或两周或一月。
可选地，所述的电子现金脱机支付方法，其中，所述支付终端为POS终端或具有支付终端功能的电子设备。
可选地，所述的电子现金支付方法，其中，所述电子现金应用被实现在芯片中、印刷电路中。
可选地，所述的电子现金支付方法，其中，所述电子现金应用被实现为软件模块。
可选地，所述的电子现金支付方法，其中，所述电子现金应用被实现在银行卡中。
还提供一种电子现金脱机支付系统，其包括：第一单元，其设置在电子现金应用中，以便该电子现金应用对支付终端进行认证；第二单元，其设置在电子现金应用中，以便该电子现金应用根据当前时间确定该电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设额度，其中，该预设额度是为所述账户预设的针对一段时间的消费额度，所述一段时间为消费时段；第三单元，其设置在电子现金应用中，以便第二单元确定要恢复预设额度的情况下，重设该 账户的可消费金额；第四单元，其设置在电子现金应用与支付终端中，以便在在确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程；第五单元，用于在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录。
示例地，所述的电子现金脱机支付系统，其中，所述第二单元包括：第一子单元，用于从支付终端获取当前时间；第二子单元，用于将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为预设额度。可替代地，所述的电子现金脱机支付系统，其中，所述第二单元包括：第一子单元，用于从支付终端获取当前时间；第二子单元，用于将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为剩余金额与预设额度的和。
可选地，所述的电子现金脱机支付系统，其中，所述支付终端为POS终端或设置在智能电子设备中的支付终端。
可选地，所述的电子现金支付系统，其中，所述电子现金应用被实现在芯片中、印刷电路中。
可选地，所述的电子现金支付系统，其中，所述电子现金应用被实现为软件模块。
可选地，所述的电子现金支付系统，其中，所述电子现金应用被实现在银行卡中。
附图说明
图1是根据本发明示例的电子现金脱机支付方法的流程图。
图2是根据本发明图1所示的方法一个具体示例的流程示意。
具体实施方式
现在参照附图描述本发明的示意性示例。相同的附图标号表示相同的元件。下文描述的各实施例有助于本领域技术人员透彻理解本发明，且意在示例而非限制。除非另有限定，文中使用的术语(包括科学、技术和行业术语)具有与本发明所属领域的技术人员普遍理解的含义相同的含义。此外，流程图中各步骤的顺序仅是示例，实际应用中，该顺序是可调整的。
根据本发明的一个示例，提供一种电子现金脱机支付方法。图1是根据本发明示例的电子现金脱机支付方法的流程图。如图1所示，在步骤10，电子现金应用对支付终端进行认证。应说明的是，电子现金应用与支付终端之间可通信，这与常规的电子现金(或称具有电子现金功能的银行卡)与POS终端之间可通信以进行支付操作是一样的。在用户通过电子现金应用进行支付的开始，电子现金应用首先执行步骤10，对处于脱机状态的支付终端进行认证。作为示例，认证的方式可采用常规的公钥与密钥结合的认证方式。如果认证通过，则进行到步骤12，否则，结束本次脱机支付。
在步骤12，在认证通过的情况下，电子现金应用根据当前时间确定该电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设额度，其中，该预设额度是为所述账户预设的针对一段时间的消费额度，所述的一段时间也称为消费时段。根据不同的示例，该消费时段可以是一天、一周、两周或一月等。该时间段可根据需要设置，并不以在此所述为限制。根据本发明的示例，电子现金应用可以从支付终端获取当前时间，并将所获取的当前时间与电子现金应用中的时间进行比较以确定电子现金应用中的时间与所获取的当前时间之间的差。
在步骤14，在步骤12中确定要恢复预设额度的情况下，重设该账户的可消费金额。
在步骤16，在步骤12确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程。
在步骤18，在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录。该消费记录生成在支付终端中。在电子现金应用和/或该支付终端联网时，发卡行(发出该电子现金的银行)即可基于该消费记录获取与该电子现金对应的账户的消费总额，从而为该账户生成还款账单。
根据本发明的一个示例，如果在步骤12中确定所获取的当前时间与电子现金应用中最近一次消费时段的开始时间之间的差大于所述的一段时间，即比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为预设额度，而不管有多少余额。换句话说，在这种情况下，余额被清零，电子现金在所述一段时间内的消费额度变回预设额度。
替代地，如果在步骤12中确定所获取的当前时间与电子现金应用中的最 近一次消费时段的开始时间之间的差大于所述的一段时间，即比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为剩余金额与预设额度的和。例如电子现金还有20元的剩余金额而根据本示例的预设额度为200元，则该示例中，电子现金应用对应账户的可消费金额将被重设为220元。
根据本发明的各示例，支付终端可以为POS终端，还可以是具有支付终端功能的电子设备，例如具有POS功能的智能手机等。
根据本发明的各示例，电子现金应用可以被实现在芯片中、印刷电路中、或任何类似的承载介质中。
根据本发明的各示例，电子现金应用可被实现为软件模块。
根据本发明，无论电子现金被实现为软件模块、实现在芯片中、印刷电路中、或任何类似的承载介质中，该电子现金都可被实现在银行卡中，例如借机卡、信用卡等。
在上文结合图1的描述中，需要说明的是，步骤16中提到的后续支付过程与现有的电子现金结合POS终端的支付过程是类似的。例如，在支付成功之后，该电子现金应用便从可用消费金额中减去本次支付的金额，由此生成新的消费金额。
图2是根据本发明图1所示的方法一个具体示例的流程示意。图2所示的方法中电子现金应用实现在银行卡中，图中示意为银行卡100，支付终端为POS终端200，后台为300。后台300包括银联系统与银行卡100的发卡行。首先需要说明的是，该过程发生在脱机支付的情况下。
如图2所示，在步骤20，用于通过银行卡100进行支付，银行卡100与POS终端200通信，POS终端200从银行卡100中选择其电子现金应用模块。
在步骤22，银行卡100对POS终端200进行认证，以确定其合法性。银行卡100在被选择了电子现金应用之后，返回相应数据，并请求与POS终端200通过相应的PKI机制进行安全认证，银行卡100对POS终端200进行合法性认证，若认证不通过，则停止与POS终端的交互，直接返回错误；若认证通过，继续以下流程。
在步骤24，POS终端200发送GPO命令，开始脱机消费。与现有的GPO命令相比，在新的GPO命令中需要增加POS终端的当前时间。
在步骤25，银行卡100判断获取的当前时间是否大于银行卡100上存储的时间1天(本例中1天是消费时段)以上，如果是，则使电子现金信用额恢复成预设额度，也就是说，银行卡100接下来这一天的时间里可使用的电子现金额度是预设额度，如果不是，则电子现金中的可消费金额是当前卡片中的剩余额度，其中，在电子现金在今天第一次使用的情况下当前卡中的剩余额度就是预设额度。
在步骤26，POS终端200发送读取脱机认证数据的命令。
在步骤27，银行卡100将脱机认证数据发送给POS终端200。
在步骤28，POS终端200对返回的脱机数据进行认证，若认证通过，则该银行卡100合法，否则，则脱机支付失败。
在步骤29，银行卡100更新银行卡100的电子现金的剩余余额，具体是减去本次支付的金额。
在步骤30，POS终端200将脱机消费结算发送给后台300。可在结算日，再将脱机消费结算发送给后台300。
根据本发明的示例，在包括电子现金的银行卡丢失的情况下，持卡人可向银行进行挂失。银行会将该丢失的银行卡写入挂失卡名单中，并将该名单发送给各个收单机构。由此，每当每天例如POS终端的支付终端签到时，即可收到挂失卡名单从而获知哪些卡是已挂失的卡，从而避免该卡被误刷。更为具体地，当支付终端发现与其通信的电子现金所在的银行卡为挂失卡，则发送锁卡命令。该卡片接收到锁卡命令后，即拒绝任何命令，不再响应任何消费。作为替代，发卡行也可随时向POS终端推送挂失卡名单。更进一步，对于挂失卡的处理可例如按照如下方式执行：POS终端获取挂失卡名单；POS终端发送获取银行卡卡片时间命令以获取银行卡卡片时间(在此，银行卡卡片时间可以是该卡片最后一次消费的时间)；确定当前时间与卡片时间的差值是否大于预设值，如果是，则POS终端终止流程，并向银行卡发出锁卡命令；或在读取脱机认证数据的过程中，若发现读取的卡片是挂失卡账户，则终止流程并向银行卡发送锁卡命令；银行卡锁卡之后发送确认信息给POS终端，该POS终端向后台传送已锁卡的账户信息。后台可选择将该已锁卡从挂失卡名单中去除。其中，所述预设值的设置目的在于避免卡片无人捡到或非法用户在长时间内一直不刷卡致使一直无法从挂失卡名单中该卡信息从而浪费存储空间这一问题的发生。
根据本发明的一个示例，提供一种电子现金支付系统。该电子现金脱机支付系统，其包括：第一单元，其设置在电子现金应用中，以便该电子现金应用对支付终端进行认证；第二单元，其设置在电子现金应用中，以便该电子现金应用根据当前时间确定该电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设额度，其中，该预设额度是为所述账户预设的针对一段时间的消费额度，所述一段时间为消费时段；第三单元，其设置在电子现金应用中，以便第二单元确定要恢复预设额度的情况下，重设该账户的可消费金额；第四单元，其设置在电子现金应用与支付终端中，以便在在确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程；第五单元，用于在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录，其中，第五单元可设置在支付终端中。根据本发明的示例，第二单元还包括第一子单元与第二子单元。第一子单元用于从支付终端获取当前时间，第二子单元用于将将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为预设额度。可替代地，该第二单元可以包括第一子单元，用于从支付终端获取当前时间；以及第二子单元，用于将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为剩余金额与预设额度的和。
本发明示例的电子现金脱机支付方法，或根据本发明所述的电子现金脱机支付系统，针对该电子现金对应的账户设置了预设金额，(即在一天或一周等消费时段内的最大消费金额)，而且实行先消费后还款的方式，这样，用户在使用电子现金时，便无需先充值。与现有的现金支付相比，用户的体验大大改善。同时，因为采用了后还款的方式，也有效避免了闪卡问题。
尽管已结合上文描述了本发明，但应理解，文中的各示例可相互结合。在不背离本发明公开的范围与精神的情况下，对示例中各步骤或部件、单元的修改也应落入本申请所附的权利要求书的范围内。

Claims (15)

  1. 一种电子现金脱机支付方法，其包括：
    a.电子现金应用对支付终端进行认证；
    b.在认证通过的情况下，电子现金应用根据当前时间确定该电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设额度，其中，该预设额度是为所述账户预设的针对一段时间的消费额度，所述一段时间为消费时段；
    c.在确定要恢复预设额度的情况下，重设该账户的可消费金额；
    d.在确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程；
    e.在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录。
  2. 如权利要求1所述的电子现金脱机支付方法，其中，所述步骤b包括：
    电子现金应用从支付终端获取当前时间；
    将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为预设额度。
  3. 如权利要求1所述的电子现金脱机支付方法，其中，所述步骤b包括：
    电子现金应用从支付终端获取当前时间；
    将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为剩余金额与预设额度的和。
  4. 如权利要求1到3中任意一项所述的电子现金脱机支付方法，其中，所述消费时段为一天或一周或两周或一月。
  5. 如权利要求1到3中任意一项所述的电子现金脱机支付方法，其中，所述支付终端为POS终端或具有支付终端功能的电子设备。
  6. 如权利要求1到3中任意一项所述的电子现金支付方法，其中，所述电子现金应用被实现在芯片中、印刷电路中。
  7. 如权利要求1到3中任意一项所述的电子现金支付方法，其中，所述电子现 金应用被实现为软件模块。
  8. 如权利要求6或7所述的电子现金支付方法，其中，所述电子现金应用被实现在银行卡中。
  9. 一种电子现金脱机支付系统，其包括：
    第一单元，其设置在电子现金应用中，以便该电子现金应用对支付终端进行认证；
    第二单元，其设置在电子现金应用中，以便该电子现金应用根据当前时间确定该电子现金应用对应账户的可消费金额是预设额度的余额还是要恢复预设额度，其中，该预设额度是为所述账户预设的针对一段时间的消费额度，所述一段时间为消费时段；
    第三单元，其设置在电子现金应用中，以便第二单元确定要恢复预设额度的情况下，重设该账户的可消费金额；
    第四单元，其设置在电子现金应用与支付终端中，以便在在确定可消费金额是预设额度的余额的情况下或在重设该账户的可消费金额后，执行后续支付过程；
    第五单元，用于在支付成功之后，记录该账号的该次消费以便为该账号生成消费记录。
  10. 如权利要求9所述的电子现金脱机支付系统，其中，所述第二单元包括：
    第一子单元，用于从支付终端获取当前时间；
    第二子单元，用于将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为预设额度。
  11. 如权利要求9所述的电子现金脱机支付系统，其中，所述第二单元包括：
    第一子单元，用于从支付终端获取当前时间；
    第二子单元，用于将所获取的当前时间与电子现金应用中的最近一次消费时段的开始时间比较，如果时间差比消费时段长，则要将该电子现金应用对应账户的可消费金额重设为剩余金额与预设额度的和。
  12. 如权利要求9到11中任意一项所述的电子现金脱机支付系统，其中，所述支付终端为POS终端或设置在智能电子设备中的支付终端。
  13. 如权利要求9到11中任意一项所述的电子现金支付系统，其中，所述电子现金应用被实现在芯片中、印刷电路中。
  14. 如权利要求9到11中任意一项所述的电子现金支付系统，其中，所述电子现金应用被实现为软件模块。
  15. 如权利要求13或14所述的电子现金支付系统，其中，所述电子现金应用被实现在银行卡中。
PCT/CN2017/088579 2016-07-04 2017-06-16 电子现金脱机支付方法与系统 Ceased WO2018006700A1 (zh)

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CN108229942B (zh) * 2016-12-13 2022-03-29 华为技术有限公司 电子钱包的充值方法、设备及系统
CN106982202B (zh) * 2016-12-30 2021-01-19 中国银联股份有限公司 安全性信息交互方法及装置
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