WO2018188624A1 - 基于ic卡的交易处理、信用支付授权方法、装置及系统 - Google Patents

基于ic卡的交易处理、信用支付授权方法、装置及系统 Download PDF

Info

Publication number
WO2018188624A1
WO2018188624A1 PCT/CN2018/082772 CN2018082772W WO2018188624A1 WO 2018188624 A1 WO2018188624 A1 WO 2018188624A1 CN 2018082772 W CN2018082772 W CN 2018082772W WO 2018188624 A1 WO2018188624 A1 WO 2018188624A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
credit
transaction
user
information
Prior art date
Application number
PCT/CN2018/082772
Other languages
English (en)
French (fr)
Inventor
陈星�
修超
沈凌楠
刘杨辉
陈戈
Original Assignee
阿里巴巴集团控股有限公司
陈星�
修超
沈凌楠
刘杨辉
陈戈
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司, 陈星�, 修超, 沈凌楠, 刘杨辉, 陈戈 filed Critical 阿里巴巴集团控股有限公司
Priority to JP2019525801A priority Critical patent/JP6860665B2/ja
Priority to EP18784565.6A priority patent/EP3528221A4/en
Priority to KR1020197013733A priority patent/KR102266679B1/ko
Publication of WO2018188624A1 publication Critical patent/WO2018188624A1/zh
Priority to US16/600,016 priority patent/US20200042979A1/en

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Definitions

  • the present application relates to the field of IC card technology, and in particular, to an IC card-based transaction processing, credit payment authorization method, apparatus, and system.
  • IC cards such as bus cards and fuel cards are used frequently in daily life.
  • the user can swipe the card with the IC card to the bus POS machine or the refueling POS machine, and the card swiping terminal can complete the transaction by reading and writing the stored data in the IC card.
  • Such an IC card is managed by a prepaid method.
  • the user needs to pre-empt the amount, otherwise the IC card cannot be traded; on the other hand, when the amount is stored, the user needs to perform the operation on the terminal with the recharge function in advance. Or: the user goes to the business outlet of the IC card, and the staff of the IC card issuer uses the terminal with the recharge function to perform the operation. After the deposit, the IC card issuer also needs to perform the account clearing process related to recharge. Therefore, how to provide an efficient and convenient IC card management solution has become an urgent technical problem to be solved.
  • the present application provides an IC card-based transaction processing, credit payment authorization method, apparatus, and system.
  • an IC card-based transaction processing method comprising:
  • the server of the IC card issuer generates a chargeback request carrying the related information of the current transaction, and sends the chargeback request to the credit authorizer, where the credit authorizer pre-registers the IC card. Hold the user's payment account;
  • the credit licensing party performs a deduction operation on the payment account of the holding user of the IC card according to the information related to the current transaction carried in the debit request, and after the deduction is successful, the IC card is The issuer settles for the current transaction.
  • a credit payment authorization method for an IC card includes:
  • the IC card issuer obtains the user information of the application user, and initiates a credit payment authorization request for the application user to the credit authorization party, where the credit payment authorization request carries the user information of the application user;
  • the IC card issuer After receiving the authorization response, the IC card issuer establishes a binding relationship between the user information of the application user and the information related to the IC card, and completes the credit payment authorization operation of the IC card.
  • an IC card-based transaction processing method includes:
  • an IC card-based transaction processing method includes:
  • the settlement is performed with the IC card issuer for the transaction.
  • a credit payment authorization method for an IC card includes:
  • the binding relationship between the user information of the application user and the information related to the IC card is established, and the credit payment authorization operation of the IC card is completed.
  • an IC card-based transaction processing system comprising:
  • the card issuing terminal of the IC card issuer is configured to: after detecting the IC card, if it is determined that the IC card meets the preset credit payment condition, it is determined that the transaction is completed, and the relevant information of the transaction is recorded and sent to the IC card.
  • the publisher's server
  • the server of the IC card issuer is configured to: generate a chargeback request carrying relevant information of the current transaction, and send the chargeback request to a credit authorizer, where the credit authorizer pre-registers the The payment account of the user holding the IC card;
  • a server of the credit licensor configured to: perform deduction operation on the payment account of the user holding the IC card according to the information about the current transaction carried in the debit request, and after the deduction is successful And the IC card issuer settles the current transaction.
  • a credit payment authorization system for an IC card comprising:
  • a server of the IC card issuer configured to: obtain user information of the application user, and initiate a credit payment authorization request for the application user to the credit authorization party, where the credit payment authorization request carries the user information of the application user;
  • a server of the credit licensor for receiving the credit payment authorization request, registering the payment account of the application user according to the user information of the application user, and sending an authorization response to the IC card issuer;
  • the server of the IC card issuer is further configured to: after receiving the authorization response, establish a binding relationship between the user information of the application user and the information related to the IC card, and complete the credit payment authorization operation of the IC card.
  • an IC card-based transaction processing apparatus includes:
  • a transaction module configured to: after detecting the IC card, if it is determined that the IC card meets a preset credit payment condition, determining that the transaction is completed, and recording relevant information of the transaction;
  • a sending module configured to: send the related information of the current transaction to a server of the IC card issuer, where the IC card issuer requests the credit authorizer to debit the transaction, and the credit authorization The party settles for the current transaction.
  • an IC card-based transaction processing apparatus comprising:
  • the information receiving module is configured to: receive information related to the transaction sent by the card swiping terminal;
  • the debit request module is configured to: generate a debit request carrying the related information of the transaction, and send the debit request to the credit authorizer for the credit author to carry according to the debit request The relevant information of the transaction, the debiting operation of the payment account of the holding user of the IC card;
  • a settlement module for settlement with the IC card issuer for the transaction.
  • a credit payment authorization apparatus for an IC card includes:
  • the information obtaining module is configured to: obtain user information of the application user, and initiate a credit payment authorization request for the application user to the credit authorization party, where the credit payment authorization request carries the user information of the application user, for the
  • the credit licensor registers the payment account of the application user according to the user information of the application user, and sends an authorization response to the IC card issuer;
  • the binding module is configured to: after receiving the authorization response, the IC card issuer establishes a binding relationship between the user information of the application user and the information related to the IC card, and completes the credit payment authorization operation of the IC card.
  • an IC card-based transaction processing apparatus including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to:
  • an IC card-based transaction processing apparatus includes: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to:
  • the settlement is performed with the IC card issuer for the transaction.
  • a credit payment authorization apparatus for an IC card, comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to:
  • the IC card issuer After receiving the authorization response, the IC card issuer establishes a binding relationship between the user information of the application user and the information related to the IC card, and completes the credit payment authorization operation of the IC card.
  • the embodiment of the present application can provide a user-free IC card management solution for the user, the credit authorization party pre-registers the user's payment account, and the IC card issuer binds the relationship between the user and the IC card.
  • the IC card issuer can settle with the credit authorizer according to the transaction information. Since the credit authorizer pre-registers the payment account of the applicant user, the credit authorizer can deduct the transaction fee from the payment account. It can be seen that the IC card of the embodiment adopts credit payment during the transaction, and the user does not need to recharge the IC card in advance. For the IC card issuer, the processing of the recharge-related service can be reduced, and the IC card management efficiency is remarkably improved.
  • FIG. 1A is an application scenario diagram of a credit payment authorization of an IC card according to an exemplary embodiment of the present application.
  • FIG. 1B is a flowchart of a credit payment method of an IC card according to an exemplary embodiment of the present application.
  • FIG. 2A is an application scenario diagram of an IC card-based transaction processing method according to an exemplary embodiment of the present application.
  • FIG. 2B is a flowchart of an IC card-based transaction processing method according to an exemplary embodiment of the present application.
  • FIG. 3 is a hardware configuration diagram of a server in which an IC card-based transaction processing apparatus of the present application is located.
  • FIG. 4 is a block diagram of an IC card-based transaction processing apparatus according to an exemplary embodiment of the present application.
  • FIG. 5 is a block diagram of another IC card-based transaction processing apparatus according to an exemplary embodiment of the present application.
  • FIG. 6 is a block diagram of a credit payment apparatus of an IC card according to an exemplary embodiment of the present application.
  • FIG. 7 is a block diagram of a server/electronic device in which a credit payment device of an IC card-based transaction processing device/IC card is shown according to an exemplary embodiment of the present application.
  • first, second, third, etc. may be used to describe various information in this application, such information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • first information may also be referred to as the second information without departing from the scope of the present application.
  • second information may also be referred to as the first information.
  • word "if” as used herein may be interpreted as "when” or “when” or “in response to a determination.”
  • the embodiment of the present application provides an efficient and convenient IC card management solution, which relates to an IC card credit payment authorization scheme and an IC card-based transaction processing scheme.
  • FIG. 1A it is an application scenario diagram of a credit payment authorization method of an IC card according to an exemplary embodiment of the present application.
  • FIG. 1A includes an application user who applies for an IC card, a server configured by an IC card issuer, and a server configured by a credit authority.
  • an IC card (Integrated Circuit Card) is a generic name for a plastic card (usually the size of a credit card) in which a microchip is embedded. It is also called an intelligent card or a microcircuit card. ) or microchip card.
  • the IC card usually contains a microelectronic chip, and the IC card needs to perform data interaction through the read/write terminal.
  • the integrated circuit in the IC card usually includes a programmable read only memory EEPROM, a random access memory RAM, and an in-card operating system COS (Chip Operating System), etc., so that the IC card has A certain amount of processing power, can handle a certain amount of data.
  • the stored data of the memory in the card can usually be divided into external read and internal processing parts.
  • the IC card is currently adapted to the occasions where the number of ports is large and the communication speed is fast.
  • the user can complete the usual key, fund settlement, attendance and some control operations through an IC card, such as using an IC card to open the door and IC. Card dining, shopping, entertainment, meetings, parking, patrol, office, fee-based services and other activities.
  • the IC card issuer refers to the party that issues an IC card to the user and provides the IC card charging service to the user through the IC card.
  • the IC card issuer usually provides a card swipe terminal for the user to hold the IC card for card swipe operation.
  • the card swiping terminal can read and write the stored data in the IC card when the user holds the IC card, and provide the user with the card swiping service, and can also record the related card swiping information.
  • the IC card issuer is usually also configured with a server that can communicate with the card swipe terminal to obtain the relevant swipe information recorded by the card swipe terminal.
  • Credit licensor refers to the party that performs credit authorization for the user.
  • the credit licensor maintains relevant credit data of the applicant user and records one or more payment accounts of the user, which may be a bank party or a third party credit reporting agency, etc. .
  • the IC card issuer and the credit authorizer may be two separate service parties.
  • the IC card issuer and the credit licensor may be two organizations that provide different functions configured by the same servant, that is, the IC card issuer and the credit licensor may refer to the same party.
  • a service provider can configure an organization that provides IC card issuance functions (with a dedicated server to handle IC card issuance, processing, or transaction related services, providing a card-swapping terminal or a distribution network), and is configured to provide credit authorization.
  • the organization equipped with a dedicated server to handle credit authorization and other related services).
  • FIG. 1B it is a flowchart of a credit payment authorization method for an IC card according to an exemplary embodiment of the present application, which may include the following steps 101 to 105:
  • step 101 the IC card issuer acquires user information of the application user.
  • step 102 the IC card issuance direction credit authorizer initiates a credit payment authorization request for the application user, and the credit payment authorization request carries the personal information of the application user.
  • step 103 the credit licensor receives the credit payment authorization request, and registers the payment account of the application user according to the personal information of the application user.
  • step 104 the credit authorization sends an authorization response to the IC card issuer.
  • step 105 after receiving the authorization response, the IC card issuer establishes a binding relationship between the personal information of the application user and the information related to the IC card, and completes the credit payment authorization operation of the IC card.
  • the IC card issuer can provide his personal information, such as name, ID number, communication number, communication address, etc., and the specific user information can be used in practical applications.
  • this embodiment does not limit this.
  • the IC card issuer When issuing an IC card for an application user, it is necessary to determine the credit status of the user, and the IC card issuer may cooperate with one or more credit authorizers in advance, and the credit authorizer provides credit service to the user of the IC card issuer.
  • the server of the IC card issuer can communicate with the server of the credit authorizer, and the server of the IC card issuer can generate a request carrying the personal information of the application user and send it to the server of the credit authorizer.
  • the credit licensor's server After the credit licensor's server receives the credit payment authorization request, since the credit licensor maintains the user information, the user's personal information can be used to query the user's credit status. If the credit status of the user is good, the IC card credit payment service can be provided for the applicant. Specifically, the user is usually bound with one or more payment accounts on the credit authorizer side, and the credit authorizer can register a payment account for the IC card according to the user designation or default setting, and after completing the above processing, the credit The authorization sends an authorization response to the IC card issuer to notify the IC card issuer that the credit authorization process is successful.
  • the IC card issuer can establish a binding relationship between the user information of the application user and the information related to the IC card, and complete the credit payment authorization operation of the IC card.
  • the information related to the IC card may be the information such as the identifier of the IC card or the card number. The information is used to distinguish different IC cards, and can be flexibly configured in practical applications, which is not limited in this embodiment.
  • the first type the application user to the IC card's business outlets, purchases an IC card that is free of credit and can be credited.
  • the IC card issuer can set up an electronic device at the business outlet, and the application user can enter the user information in the electronic device at the business outlet, because the server of the IC card issuer needs to bind the user information of the user. And the information related to the IC card, so that the IC card related information can also be recorded in the electronic device, and the electronic device transmits the IC card related information and the user information to the server of the IC card issuer, thereby applying for the IC card for the user, and opening the communication payment.
  • the server of the IC card issuer can communicate with the server of the credit authorizer, and the credit authorization party's server authorizes the credit for the user. After that, the server of the IC card issuer establishes the user information and the IC card after receiving the authorization response. The binding relationship of the related information, thereby completing the credit payment authorization operation of the IC card.
  • the IC card Since the existing IC card does not support credit payment, when the user holds the IC card to swipe the card at the card swiping terminal, in order to make it easier for the card swipe terminal to determine that the IC card can support credit payment, in an optional implementation manner, the IC card
  • the designated storage area can store a credit payment mark. By reading the mark, the card swipe terminal can quickly judge whether the IC card can support the credit payment. If the credit payment cannot be supported, the credit transaction can be processed according to the existing transaction process, if the credit payment is supported. , the process can be processed according to the credit payment process, the above method is easy to implement, and the processing efficiency is high.
  • the application user uses the electronic device held by the user to open a communication payment function for the existing IC card.
  • the electronic device may be a smart phone, a tablet computer, a wearable device, or a multimedia device, etc.
  • the client may be installed in the electronic device, and the client may be provided by the IC card issuer or by the IC.
  • the electronic device can read and write the IC card by means of NFC (Near Field Communication) or RFID (Radio Frequency Identification).
  • the user may hold the electronic device, open the client, and the user holds the IC card to approach or release the electronic device, and reads the information related to the IC card stored in the IC card through the electronic device through NFC or RFID.
  • the client information installed by the application device can be obtained by the client installed in the electronic device (in some examples, the user may enter when applying for communication payment; in other examples, if a third party client is used) End, the user may have used the client before the application, and the personal information is registered on the third party service side corresponding to the client, the client may automatically obtain the user information, and the client may use the card information. And user information is sent to the server of the IC card issuer.
  • the server of the IC card issuer receives the IC card related information and the user information, and can query whether the IC card can be used for communication payment according to the information related to the IC card (for example, the IC card issuer may not give the IC card such as the student card or the elderly card. For the communication, the payment can be flexibly configured in the actual application, which is not limited in this embodiment.
  • the IC card issuer can initiate a credit payment authorization request for the application user to the credit licensor through the client, so that the credit payment authorization request carries the user information, so that the credit licensor can The user information is credit authorized for the application user.
  • the server of the IC card issuer establishes a binding relationship between the user information and the information related to the IC card, thereby completing the credit payment authorization operation of the IC card.
  • the method further includes: the IC card issuer notifying the electronic device to open communication for the IC card Paying; the electronic device writes the credit payment token into the IC card.
  • the server of the IC card issuer may generate a write card script and send the certificate to the client, where the write card script includes the credit payment mark, and the client receives the credit payment mark, and writes the credit payment mark to the In the IC card, the existing IC card is opened for free credit payment.
  • FIG. 2A which is an application scenario of an IC card-based transaction processing method according to an exemplary embodiment
  • FIG. 2B is an IC card-based transaction according to an exemplary embodiment of the present application.
  • a flowchart of the processing method includes the following steps 201 to 206:
  • step 201 after the card card terminal of the IC card issuer detects the IC card, if it is determined that the IC card satisfies the preset credit payment condition, it is determined that the transaction is completed, and the related information of the transaction is recorded.
  • step 202 the IC card issuer sends the relevant information of the transaction to the server of the IC card issuer.
  • step 203 the server of the IC card issuer generates a debit request carrying the relevant information of the current transaction.
  • step 204 the server of the IC card issuer transmits the chargeback request to the credit authorizer, and the credit authorizer pre-registers the payment account of the holder of the IC card.
  • step 205 the credit licensor performs a chargeback operation on the payment account of the holding user of the IC card according to the related information of the current transaction carried in the chargeback request.
  • step 206 after the credit is successfully executed, the credit authorizer settles with the IC card issuer for the current transaction.
  • the user holds the IC card to the card swipe terminal to swipe the card, and the card swipe terminal can detect the IC card. Since the credit payment is involved, the card swipe terminal needs to determine whether the IC card satisfies the preset credit payment condition.
  • the credit payment condition can be flexibly configured according to requirements, for example, whether the IC card is in the validity period, whether the IC card is a legal card, whether the IC card supports credit payment, and whether the user of the IC card is trusted.
  • the user and the like are not limited in this embodiment.
  • the credit payment condition may include: the IC card supports credit payment and the IC card is a legal card, in order to determine whether the IC card meets the preset credit payment condition. .
  • the designated storage area in the IC card may store a credit payment identifier; therefore, the determining that the IC card meets a preset credit payment condition may include: Whether the designated storage area in the IC card stores a credit payment flag, and if so, determines that the IC card supports credit payment.
  • the card swipe terminal can quickly judge whether the IC card can support credit payment. If the credit payment cannot be supported, the credit card payment can be processed according to the existing transaction process. If the credit payment is supported, the credit payment process can be processed according to the credit payment process. The above method is easy to implement and the processing efficiency is high.
  • the method may be: initiating a verification instruction to the IC card, and if receiving the verification success response returned by the IC card, determining that the IC card is a legal card .
  • the verification instruction may be processed according to a preset data format, an encryption protocol, etc., and the chip in the IC card is pre-written with a corresponding data format or an encryption protocol logic, and if the IC card cannot perform the verification and successfully responds,
  • the card swipe terminal can determine that the IC card is not a legitimate card and the transaction fails. If the IC card is a legal card, the verification command initiated by the card-sending terminal, the IC card can successfully verify the response, so the card-receiving terminal can determine that the IC card is a legal card, then it can be determined that the transaction is completed, and the transaction is recorded.
  • the information is sent to the server of the IC card issuer.
  • the verification instructions may include a zero dollar deduction instruction.
  • the transaction process of the existing IC card involves the card issuing terminal initiating the deduction instruction, and in the case that the IC card is a legal card, the IC card deducts the amount in the storage area according to the deduction instruction, and deducts it successfully. After the deduction, the response was successfully responded.
  • the existing deduction process can be used to set the verification instruction to the zero-yuan consumption deduction instruction. If the IC card is a legal card, the instruction can be successfully responded to the zero-consumption deduction instruction, and the card-swapping terminal is It can be determined that the IC card is a legal card. Since the credit payment does not involve the actual deduction of the amount, the deduction charge specified in the deduction order is zero. In this embodiment, since the existing deduction process is used to verify whether the IC card is a legitimate card, the development cost can be significantly reduced.
  • the card-swapping terminal can record the relevant information of the transaction and send it to the server of the IC card issuer periodically or in real time.
  • the server of the IC card issuer may also generate a debit request carrying the relevant information of the current transaction periodically or in real time, and send the debit request to the credit authorizer.
  • the credit licensing party performs a deduction operation on the payment account of the holding user of the IC card according to the information related to the current transaction carried in the debit request, and after the deduction is successful, the IC card is
  • the issuer performs settlement for the current transaction, wherein the settlement operation may be periodically settled, or may be real-time settlement, and may be flexibly configured in an actual application, which is not limited in this embodiment.
  • FIG. 3 it is an application scenario diagram of an IC card management solution according to an exemplary embodiment of the present application.
  • FIG. 3 includes a server configured by an IC card issuer, a server configured by a credit licensor, an IC card held by an application user that does not have a credit-free credit payment function, and a smart phone held by an application user;
  • the mobile phone has an NFC function, and can interact with the IC card through the NFC technology.
  • the smart phone is also equipped with a third-party payment application, and the third-party payment application cooperates with the IC card issuer and the credit authorizer, the third-party payment application.
  • the corresponding server can communicate with the server of the IC card issuer and the server of the credit authorizer.
  • the IC card management scheme includes:
  • the third-party payment application reads the IC card information and sends it to the server of the IC card issuer through the server corresponding to the third-party payment application, and the server of the IC card issuer is responsible for checking whether the IC card supports the opening of the deposit-free credit payment ( In practical applications, this step can also be omitted, that is, all IC cards can be used for communication payment functions, and the IC card issuer can also not open the student card or the old card, and can be flexibly configured. If not supported, the third-party payment application can prompt the user why it cannot be opened. If supported, the server of the IC card issuer can send a credit payment authorization request to the server of the credit authorizer.
  • the credit licensor's server After receiving the request, the credit licensor's server queries the user's credit status to determine whether the user can open the communication payment. If supported, the user information and the IC card information association relationship may be bound, and the IC card issuer's consent and related information are returned. User information; if not supported, the reason for the rejection is returned.
  • the third-party payment application prompts the user that the user cannot be opened. If the return of the consent is received, the binding relationship between the IC card information and the user information is established, and the A write-write script (containing a credit payment token) written to the credit payment token and sent to the third-party payment application.
  • the third-party payment application After receiving the card writing script, the third-party payment application writes the credit payment flag to the IC card. Then, the IC card party is notified that the credit payment function of the IC card is successfully activated. The IC card issuing institution may notify the credit authorizing party that the credit payment function of the IC card is successfully activated.
  • the IC card is close to the card swiping terminal, and after the card swiping terminal successfully senses, the card number, available amount, historical transaction information, credit payment sign and the like of the IC card are read according to a preset data interaction protocol;
  • the card-sending terminal sends a zero-yuan consumption deduction instruction to the IC card. If the IC card successfully responds, it is determined that the deduction is completed and the transaction is completed.
  • the credit card terminal records the credit transaction log, and the transaction log includes information such as the actual consumption amount, the transaction date, the transaction time, the card number, and the card number. If the credit payment is not supported, the original transaction process of the IC card is entered: the available credit is checked, and if the balance is insufficient, the transaction is rejected. The balance is sufficient, the deduction amount is calculated, the consumer deduction order is sent, the deduction is completed, and the transaction is completed.
  • the card swiping terminal generates a credit transaction log to the server of the IC card issuer when necessary, and the server of the IC card issuer generates a debit request and transmits the debit request to the credit authorizer.
  • the credit licensing party performs a debit operation on the payment account of the holder of the IC card according to the transaction related information carried in the debit request, and after the deduction is successful, the issuer of the IC card issues the current The transaction is settled.
  • the embodiment of the present application can provide a user-free IC card management solution for the user, the credit authorization party pre-registers the user's payment account, and the IC card issuer binds the relationship between the user and the IC card, and is used by the user.
  • the transaction information is recorded by the card reader terminal, and then the IC card issuer can settle with the credit authorizer according to the transaction information. Since the credit authorizer pre-registers the payment account of the applicant user, the credit authorizer can deduct the transaction fee from the payment account.
  • the IC card of the embodiment adopts credit payment during the transaction, and the user does not need to recharge the IC card in advance. For the IC card issuer, the processing of the recharge-related service can be reduced, and the IC card management efficiency is remarkably improved.
  • the present application also provides an embodiment of an IC card-based transaction processing, credit payment authorization apparatus, and a system to which the same is applied.
  • the present application provides an IC card-based transaction processing system, the system comprising:
  • the card issuing terminal of the IC card issuer is configured to: after detecting the IC card, if it is determined that the IC card meets the preset credit payment condition, it is determined that the transaction is completed, and the relevant information of the transaction is recorded and sent to the IC card.
  • the publisher's server The publisher's server.
  • the server of the IC card issuer is configured to: generate a debit request carrying the related information of the current transaction, and send the debit request to a credit authorizing party, where the credit authorizing party pre-registers The payment account of the user holding the IC card.
  • a server of the credit licensor configured to: perform deduction operation on the payment account of the user holding the IC card according to the information about the current transaction carried in the debit request, and after the deduction is successful And the IC card issuer settles the current transaction.
  • the credit payment condition includes: the IC card supports credit payment and the IC card is a legal card.
  • the present application provides a credit payment authorization system for an IC card, and the device includes:
  • the server of the IC card issuer is configured to: obtain user information of the application user, and initiate a credit payment authorization request for the application user to the credit authorization party, where the credit payment authorization request carries the user information of the application user.
  • the server of the credit licensor is configured to: receive the credit payment authorization request, register the payment account of the application user according to the user information of the application user, and send an authorization response to the IC card issuer.
  • the server of the IC card issuer is further configured to: after receiving the authorization response, establish a binding relationship between the user information of the application user and the information related to the IC card, and complete the credit payment authorization operation of the IC card.
  • FIG. 4 is a block diagram of an IC card-based transaction processing apparatus according to an exemplary embodiment, the apparatus includes:
  • the transaction module 41 is configured to: after detecting the IC card, if it is determined that the IC card meets the preset credit payment condition, determine that the transaction is completed, and record relevant information of the transaction.
  • the sending module 42 is configured to: send the related information of the current transaction to a server of the IC card issuer, where the IC card issuer requests the credit authorizer to debit the transaction, and the credit is The authorized party settles the transaction for the current transaction.
  • FIG. 5 is a block diagram of an IC card-based transaction processing apparatus according to an exemplary embodiment of the present application, the apparatus includes:
  • the information receiving module 51 is configured to: receive related information sent by the card-sending terminal for the transaction.
  • the debit request module 52 is configured to: generate a debit request carrying the related information of the transaction, and send the debit request to the credit authorizing party, where the credit authorizing party is in accordance with the debit request Carrying the relevant information of the current transaction, and performing a chargeback operation on the payment account of the user holding the IC card.
  • the settlement module 53 is configured to settle the transaction with the IC card issuer.
  • FIG. 6 is a block diagram of a credit payment authorization apparatus of an IC card according to an exemplary embodiment of the present application, where the apparatus includes:
  • the information obtaining module 61 is configured to: obtain user information of the application user, and initiate a credit payment authorization request for the application user to the credit authorization party, where the credit payment authorization request carries user information of the application user, for The credit licensor registers the payment account of the application user according to the user information of the application user, and sends an authorization response to the IC card issuer.
  • the binding module 62 is configured to: after receiving the authorization response, the IC card issuer establishes a binding relationship between the user information of the application user and the information related to the IC card, and completes the credit payment authorization operation of the IC card.
  • the present application further provides an IC card-based transaction processing apparatus, including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to:
  • the embodiment of the credit payment authorization apparatus of the transaction processing apparatus/IC card based on the IC card of the embodiment of the present application can be applied to a server/electronic device.
  • the device embodiment may be implemented by software, or may be implemented by hardware or a combination of hardware and software.
  • the processor of the server/electronic device in which it is located reads the corresponding computer program instructions in the non-volatile memory into the memory. From a hardware level, as shown in FIG. 7, a hardware structure diagram of a server/electronic device in which the credit payment authorization device of the IC card-based transaction processing device/IC card is located, except for the processor shown in FIG.
  • the IC card-based transaction processing device / IC card credit payment authorization device / IC card credit payment authorization device 731 is located in the server /
  • the electronic device may also include other hardware according to the actual function of the server/electronic device, and details are not described herein again.
  • the present application further provides an IC card-based transaction processing apparatus, including: a processor;
  • a memory for storing processor executable instructions; wherein the processor is configured to:
  • the present application further provides an IC card-based transaction processing apparatus, including: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to:
  • the settlement is performed with the IC card issuer for the transaction.
  • the present application further provides a credit payment authorization apparatus for an IC card, comprising: a processor; a memory for storing processor executable instructions; wherein the processor is configured to:
  • the IC card issuer After receiving the authorization response, the IC card issuer establishes a binding relationship between the user information of the application user and the information related to the IC card, and completes the credit payment authorization operation of the IC card.
  • the device embodiment since it basically corresponds to the method embodiment, reference may be made to the partial description of the method embodiment.
  • the device embodiments described above are merely illustrative, wherein the modules described as separate components may or may not be physically separate, and the components displayed as modules may or may not be physical modules, ie may be located A place, or it can be distributed to multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the objectives of the present application. Those of ordinary skill in the art can understand and implement without any creative effort.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

本申请提供一种基于IC卡的交易处理、信用支付授权方法及装置，该交易处理方法包括：刷卡终端检测到IC卡后，若确定IC卡满足信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；IC卡发行方的服务器生成携带有本次交易的相关信息的扣款请求，并将扣款请求发送给信用授权方，信用授权方预先登记有IC卡的持有用户的支付账户；信用授权方根据扣款请求，对IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与IC卡发行方针对所述本次交易进行结算。本实施例的IC卡在交易时采用信用支付，用户无需预先对IC卡充值，对于IC卡发行方来说，可减少充值相关业务的处理，显著提高了IC卡管理效率。

Description

基于IC卡的交易处理、信用支付授权方法、装置及系统 技术领域
本申请涉及IC卡技术领域，尤其涉及基于IC卡的交易处理、信用支付授权方法、装置及系统。
背景技术
目前，公交卡、加油卡等IC卡在日常生活中使用非常频繁。用户需要利用IC卡交易时，用户可以持IC卡至公交POS机或加油POS机等刷卡终端上刷卡，刷卡终端通过读写IC卡内的存储数据，可以完成该次交易。
此类IC卡采用预付费方式进行管理，一方面用户需要预先圈存金额，否则IC卡无法交易；另一方面，圈存金额时，需要用户提前在具备充值功能的终端上进行圈存操作，或者是：用户至IC卡的营业网点处，由IC卡发行方的工作人员使用具备充值功能的终端进行圈存操作。圈存之后，IC卡发行方还需要进行充值相关的账务清算过程。因此，如何提供一种高效、便捷的IC卡管理方案，成为亟待解决的技术问题。
发明内容
有鉴于此，本申请提供了基于IC卡的交易处理、信用支付授权方法、装置及系统。
根据本申请实施例的第一方面，提供一种基于IC卡的交易处理方法，所述方法包括：
IC卡发行方的刷卡终端检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息发送给IC卡发行方的服务器；
所述IC卡发行方的服务器生成携带有所述本次交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，所述信用授权方预先登记有所 述IC卡的持有用户的支付账户；
信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
根据本申请实施例的第二方面，提供一种IC卡的信用支付授权方法，所述方法包括：
IC卡发行方获取申请用户的用户信息，向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息；
信用授权方接收所述信用支付授权请求，根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
根据本申请实施例的第三方面，提供一种基于IC卡的交易处理方法，所述方法包括：
检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；
将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
根据本申请实施例的第四方面，提供一种基于IC卡的交易处理方法，所述方法包括：
接收刷卡终端发送的针对交易的相关信息；
生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作；
与所述IC卡发行方针对所述交易进行结算。
根据本申请实施例的第五方面，提供一种IC卡的信用支付授权方法，所述方法包括：
获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
根据本申请实施例的第六方面，提供一种基于IC卡的交易处理系统，所述系统包括：
IC卡发行方的刷卡终端，用于：检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息发送给IC卡发行方的服务器；
所述IC卡发行方的服务器用于：生成携带有所述本次交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，所述信用授权方预先登记有所述IC卡的持有用户的支付账户；
信用授权方的服务器，用于：根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
根据本申请实施例的第七方面，提供一种IC卡的信用支付授权系统，所述装置包括：
IC卡发行方的服务器，用于：获取申请用户的用户信息，向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息；
信用授权方的服务器，用于：接收所述信用支付授权请求，根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
IC卡发行方的服务器还用于：在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
根据本申请实施例的第九方面，提供一种基于IC卡的交易处理装置，其特征在于，所述装置包括：
交易模块，用于：检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；
发送模块，用于：将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
根据本申请实施例的第九方面，提供一种基于IC卡的交易处理装置，所述装置包括：
信息接收模块，用于：接收刷卡终端发送的针对交易的相关信息；
扣款请求模块，用于：生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作；
结算模块，用于与所述IC卡发行方针对所述交易进行结算。
根据本申请实施例的第十方面，提供一种IC卡的信用支付授权装置，所述装置包括：
信息获取模块，用于：获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
绑定模块，用于：IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
根据本申请实施例的第十一方面，提供一种基于IC卡的交易处理装置，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；
将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
根据本申请实施例的第十二方面，提供一种基于IC卡的交易处理装置，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
接收刷卡终端发送的针对交易的相关信息；
生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作；
与所述IC卡发行方针对所述交易进行结算。
根据本申请实施例的第十三方面，提供一种IC卡的信用支付授权装置，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
本申请的实施例提供的技术方案可以包括以下有益效果：
本申请实施例可以为用户提供一种免圈存的IC卡管理方案，信用授权方 预先登记用户的支付账户，IC卡发行方绑定用户与IC卡的关系，当用户使用IC卡交易时，由刷卡终端记录本次交易信息，之后，IC卡发行方可以根据交易信息，与信用授权方进行结算。由于信用授权方预先登记有申请用户的支付账户，信用授权方可以从该支付账户中扣除交易费用。由此可见，本实施例的IC卡在交易时采用信用支付，用户无需预先对IC卡充值，对于IC卡发行方来说，即可减少充值相关业务的处理，显著提高了IC卡管理效率。
应当理解的是，以上的一般描述和后文的细节描述仅是示例性和解释性的，并不能限制本申请。
附图说明
此处的附图被并入说明书中并构成本说明书的一部分，示出了符合本申请的实施例，并与说明书一起用于解释本申请的原理。
图1A是本申请根据一示例性实施例示出的一种IC卡的信用支付授权的应用场景图。
图1B是本申请根据一示例性实施例示出的一种IC卡的信用支付方法的流程图。
图2A是本申请根据一示例性实施例示出的一种基于IC卡的交易处理方法的应用场景图。
图2B是本申请根据一示例性实施例示出的一种基于IC卡的交易处理方法的流程图。
图3是本申请基于IC卡的交易处理装置所在服务器的一种硬件结构图。
图4是本申请根据一示例性实施例示出的一种基于IC卡的交易处理装置的框图。
图5是本申请根据一示例性实施例示出的另一种基于IC卡的交易处理装置的框图。
图6是本申请根据一示例性实施例示出的一种IC卡的信用支付装置的框图。
图7是本申请根据一示例性实施例示出的一种基于IC卡的交易处理装置/IC卡的信用支付装置所在的服务器/电子设备的框图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本申请相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本申请的一些方面相一致的装置和方法的例子。
在本申请使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本申请。在本申请和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本文中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本申请可能采用术语第一、第二、第三等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本申请范围的情况下，第一信息也可以被称为第二信息，类似地，第二信息也可以被称为第一信息。取决于语境，如在此所使用的词语“如果”可以被解释成为“在……时”或“当……时”或“响应于确定”。
本申请实施例提供了一种高效、便捷的IC卡管理方案，其中涉及IC卡的信用支付授权方案和基于IC卡的交易处理方案。
首先对IC卡的信用支付授权方案进行说明。如图1A所示，是本申请根据一示例性实施例示出的一种IC卡的信用支付授权方法的应用场景图。图1A中包括申请IC卡的申请用户、IC卡发行方配置的服务器、信用授权方配置的服务器。
其中，IC卡(Integrated Circuit Card，集成电路卡)是内嵌有微芯片的塑料卡(通常是一张信用卡的大小)的通称，也有称为智慧卡(Intelligent card)、 微电路卡(Microcircuit card)或微芯片卡等。IC卡通常包含有微电子芯片，IC卡需要通过读写终端进行数据交互。在某些例子中，IC卡内的集成电路通常包括可编程只读存储器EEPROM、随机存储器RAM和固化在只读存储器ROM中的卡内操作系统COS(Chip Operating System)等等，因此IC卡具有一定的处理能力，可自行处理一定数量的数据。卡中存储器的存储数据通常可分为外部读取和内部处理部分。IC卡目前适应于端口数目较多且通信速度需求较快的场合，用户通过一张IC卡便可完成通常的钥匙、资金结算、考勤和某些控制操作，如使用IC卡开启房门、IC卡就餐、购物、娱乐、会议、停车、巡更、办公、收费服务等各项活动。
IC卡发行方：是指发行IC卡给用户，通过IC卡为用户提供IC卡收费服务等各项服务的一方。在实际应用中，IC卡发行方通常提供有刷卡终端，以供用户持IC卡进行刷卡操作。刷卡终端根据IC卡数据的读写协议，可以在用户持IC卡刷卡时读写IC卡中的存储数据，并为用户提供刷卡服务，同时还可对相关刷卡信息进行记录。IC卡发行方通常也配置有服务器，该服务器可以与刷卡终端通信，以获取刷卡终端记录的相关刷卡信息。
信用授权方：是指为用户进行信用授权的一方，信用授权方维护有申请用户的相关信用数据，并记录有用户的一个或多个支付账户，具体可以是银行方或第三方征信机构等。
需要说明的是，在某些例子中，IC卡发行方和信用授权方可以是分别独立的两个服务方。在另一些例子中，该IC卡发行方和信用授权方可以是同一服务方所配置的两个提供不同功能的机构，也即是IC卡发行方和信用授权方可以是指同一方。举例来说，某个服务方可以配置专门提供IC卡发行功能的机构(配置有专用服务器处理IC卡发行、处理或交易等相关业务、提供刷卡终端或发行网点)，以及配置专门提供信用授权功能的机构(配置有专用服务器处理信用授权等等相关业务)。
本实施例中，当用户需要申请具有免圈存可信用支付的IC卡时，可以通过如下实施例为IC卡开通信用支付授权。如图1B所示，是本申请根据一示例性 实施例示出的一种IC卡的信用支付授权方法的流程图，可包括如下步骤101至105：
在步骤101中，IC卡发行方获取申请用户的用户信息。
在步骤102中，IC卡发行方向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的个人信息。
在步骤103中，信用授权方接收所述信用支付授权请求，根据所述申请用户的个人信息，登记所述申请用户的支付账户。
在步骤104中，信用授权方向所述IC卡发行方发送授权响应。
在步骤105中，IC卡发行方在接收到所述授权响应后，建立所述申请用户的个人信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
由于涉及信用支付，用户向IC卡发行方提出申请时，可以向IC卡发行方提供其个人信息，例如姓名、身份证号码、通信号码、通信地址等等，具体的用户信息在实际应用中可灵活配置，本实施例对此不作限定。
在为申请用户发放IC卡时，需要确定用户的信用状况，IC卡发行方可以预先与一个或多个信用授权方合作，由信用授权方为IC卡发行方的用户提供信用服务。具体的，IC卡发行方的服务器可以与信用授权方的服务器通信，IC卡发行方的服务器可以生成携带有申请用户的个人信息的请求并发送给信用授权方的服务器。
信用授权方的服务器接收到信用支付授权请求后，由于信用授权方维护有用户信息，因此可以通过用户的个人信息查询用户的信用状况。若用户的信用状况较好，可以为该申请用户提供IC卡信用支付服务。具体的，用户在信用授权方侧通常绑定有一个或多个支付账户，信用授权方可以根据用户指定或默认设定等方式，登记一个针对IC卡的支付账户，在完成上述处理后，信用授权方向所述IC卡发行方发送授权响应，以通知IC卡发行方信用授权处理成功。
IC卡发行方在接收到所述授权响应后，即可建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成IC卡的信用支付授权操作。其中，IC卡相关信息可以是IC卡标识或卡号等信息，该信息用以区分不同的IC卡，在实际 应用中可灵活配置，本实施例对此不作限定。
实际应用中，IC卡的信用支付授权操作的应用场景可能有多种。接下来列举两种场景进行说明。
第一种、申请用户至IC卡的营业网点处购买免圈存可信用支付的IC卡。
此种场景中，IC卡发行方可以在营业网点处设置电子设备，申请用户可以在营业网点处，在该电子设备中录入其用户信息，由于IC卡发行方的服务器需要绑定用户的用户信息和IC卡相关信息，因此还可以在该电子设备中录入IC卡相关信息，电子设备将IC卡相关信息和用户信息发送给IC卡发行方的服务器，从而为用户申请IC卡，并开通信用支付功能。IC卡发行方的服务器可以与信用授权方的服务器通信，由信用授权方的服务器为用户进行信用授权，之后，IC卡发行方的服务器在接收到所述授权响应后，建立用户信息与IC卡相关信息的绑定关系，从而完成IC卡的信用支付授权操作。
由于现有的IC卡未支持信用支付，当用户持IC卡在刷卡终端刷卡时，为了使刷卡终端更易确定IC卡能支持信用支付，在一个可选的实现方式中，所述IC卡中的指定存储区域可以存储有信用支付标记，通过读取该标记，刷卡终端可以快速地判断IC卡是否能支持信用支付，若不能支持信用支付，可按照现有的交易流程进行处理，若支持信用支付，则可按照信用支付的流程进行处理，上述方式易于实现，且处理效率较高。
第二种、申请用户利用其持有的电子设备，为现有的IC卡开通信用支付功能。
此种场景中，电子设备可以是智能手机、平板电脑、可穿戴设备或多媒体设备等等，电子设备中可以安装有客户端，该客户端可以是由IC卡发行方提供，或者是由与IC卡发行方合作的第三方所提供。电子设备可以利用NFC(近距离无线通讯技术，Near Field Communication)或RFID(非接触式射频识别技术，Radio Frequency Identification)等方式读写IC卡。
具体的，可以是用户持电子设备，开启客户端，用户持IC卡接近或解除电子设备，通过电子设备通过NFC或RFID等方式读取到IC卡中存储的IC卡相 关信息。另一方面，通过所述电子设备中安装的客户端可以获取申请用户的用户信息(在某些例子中，可以是用户在申请开通信用支付时录入；在另一些例子中，若采用第三方客户端，可能用户在申请前已使用过该客户端，在该客户端对应的第三方服务方侧登记有个人信息，则客户端可以自动获取用户信息)，所述客户端可以将所述卡信息和用户信息发送给所述IC卡发行方的服务器。IC卡发行方的服务器接收到IC卡相关信息和用户信息，可以根据IC卡相关信息查询该IC卡是否可以开通信用支付(例如，可能IC卡发行方针对学生卡或老人卡等IC卡不予开通信用支付等等，在实际应用中可以灵活配置，本实施例对此不作限定)。另一方面，IC卡发行方可以通过该客户端向信用授权方发起针对所述申请用户的信用支付授权请求，令所述信用支付授权请求携带有所述用户信息，以使信用授权方根据所述用户信息为所述申请用户进行信用授权。之后，IC卡发行方的服务器在接收到所述授权响应后，建立用户信息与IC卡相关信息的绑定关系，从而完成IC卡的信用支付授权操作。
在一个可选的实现方式中，在所述建立所述申请用户与所述IC卡的绑定关系后，还可以包括：所述IC卡发行方通知所述电子设备为所述IC卡开通信用支付；所述电子设备将所述信用支付标记写入至所述IC卡中。
实际应用中，IC卡发行方的服务器可以生成写卡脚本下发给客户端，该写卡脚本中包含有该信用支付标记，客户端接收到该信用支付标记，将该信用支付标记写入至IC卡中，从而为现有的IC卡开通免圈存信用支付。
通过上述方案，用户即可持IC卡进行信用支付。接下来结合图2A和图2B描述基于IC卡的交易处理过程。如图2A所示，是本申请根据一示例性实施例示出的一种基于IC卡的交易处理方法的应用场景，图2B是本申请根据一示例性实施例示出的一种基于IC卡的交易处理方法的流程图，包括以下步骤201至206：
在步骤201中，IC卡发行方的刷卡终端检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息。
在步骤202中，IC卡发行方发送本次交易的相关信息给IC卡发行方的服务器。
在步骤203中，IC卡发行方的服务器生成携带有所述本次交易的相关信息的扣款请求。
在步骤204中，IC卡发行方的服务器将所述扣款请求发送给信用授权方，所述信用授权方预先登记有所述IC卡的持有用户的支付账户。
在步骤205中，信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作。
在步骤206中，信用授权方在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
本实施例中，用户持IC卡至刷卡终端刷卡，刷卡终端可以检测到IC卡。由于涉及信用支付，刷卡终端需要确定该IC卡是否满足预设的信用支付条件。具体的，信用支付条件可以根据需要灵活配置，例如可以是该IC卡是否在有效期内、该IC卡是否为合法卡、该IC卡是否支持信用支付、该IC卡的持有用户是否为可信用户等等，本实施例对此不作限定。
为了更为安全快速地判断IC卡是否满足预设的信用支付条件，在一个可选的实现方式中，所述信用支付条件可以包括：所述IC卡支持信用支付且所述IC卡为合法卡。
由前述IC卡的信用支付授权方案可知，所述IC卡中的指定存储区域可以存储有信用支付标记；因此，所述确定所述IC卡满足预设的信用支付条件，可以包括：读取所述IC卡中的指定存储区域是否存储有信用支付标记，若有，则确定所述IC卡支持信用支付。通过读取该标记，刷卡终端可以快速地判断IC卡是否能支持信用支付，若不能支持信用支付，可按照现有的交易流程进行处理，若支持信用支付，则可按照信用支付的流程进行处理，上述方式易于实现，且处理效率较高。
对于确定IC卡是否为合法卡，在一个可选的实现方式中，可以是：向所述IC卡发起验证指令，若接收到所述IC卡返回的验证成功响应，则确定IC 卡为合法卡。
其中，验证指令可以根据预先设定的数据格式、加密协议等方式进行处理，IC卡中的芯片预先写入有相对应的数据格式或加密协议等逻辑，若IC卡无法进行验证成功响应，则刷卡终端可确定IC卡不是合法卡，交易失败。若IC卡为合法卡，则刷卡终端发起的验证指令，IC卡能够进行验证成功响应，因此刷卡终端即可确定IC卡为合法卡，则可确定本次交易完成，并记录本次交易的相关信息发送给IC卡发行方的服务器。
对于验证指令，为了减少开发成本，所述验证指令可以包括零元消费扣款指令。相关技术中，现有IC卡的交易过程，涉及到刷卡终端发起扣款指令，IC卡为合法卡的情况下，IC卡会根据扣款指令，对存储区域中的金额进行扣除，在成功扣除后进行扣款成功响应。本实施例中，可以利用现有的扣款流程，将验证指令设定为零元消费扣款指令，若IC卡为合法卡，则可以针对零元消费扣款指令成功进行响应，刷卡终端即可确定IC卡为合法卡。由于信用支付情况下，并不涉及金额的实际扣除，因此消费扣款指令中指定的扣款费用为零元。本实施例由于采用现有的扣款流程进行IC卡是否为合法卡的验证，因此可以显著减少开发成本。
刷卡终端确定本次交易完成后，刷卡终端可以记录本次交易的相关信息，并定期或实时地发送给所述IC卡发行方的服务器。所述IC卡发行方的服务器也可以是定期或实时地生成携带有所述本次交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方。信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算，其中，该结算操作可以周期性结算，也可以是实时结算，在实际应用中可灵活配置，本实施例对此不做限定。
接下来再结合一具体实施例对本申请的IC卡管理方案进行说明。
如图3所示，是本申请根据一示例实施例示出的一种IC卡管理方案的应用场景图。图3中包括IC卡发行方配置的服务器、信用授权方配置的服务器、 申请用户所持有的一张未具有免圈存信用支付功能的IC卡、申请用户所持有的智能手机；该智能手机具有NFC功能，可以与IC卡通过NFC技术进行数据交互，另外，该智能手机还安装有第三方支付应用，该第三方支付应用与IC卡发行方和信用授权方合作，该第三方支付应用所对应的服务器与IC卡发行方的服务器、信用授权方的服务器都可以通信。
在图3所示场景中，IC卡管理方案包括：
(1)为现有IC卡开通信用支付功能
第三方支付应用读取IC卡信息，并通过第三方支付应用对应的服务器发送给IC卡发行方的服务器，由其IC卡发行方的服务器负责查询该IC卡是否支持开通免圈存信用支付(实际应用中，也可以不需进行此步骤，也即是所有IC卡都开通信用支付功能，IC卡发行方也可以针对学生卡或老年卡等不予开通，具体可以灵活配置)。若不支持，第三方支付应用可以提示用户无法开通的原因。若支持，IC卡发行方的服务器可以向信用授权方的服务器发送信用支付授权请求。
信用授权方的服务器接收到请求后，查询用户的信用状况，确定该用户是否可开通信用支付，若支持，可以绑定用户信息及IC卡信息的关联关系，返回IC卡发行方同意及相关的用户信息；若不支持，则返回拒绝的原因。
若IC卡发行机构接收到信用授权系统的拒绝信息，则通过第三方支付应用提示用户无法开通的原因，若接收到同意的返回时，建立IC卡信息及用户信息的绑定关系，生成用于写入信用支付标记的写卡脚本(包含信用支付标志)并发送给第三方支付应用。
第三方支付应用接收到写卡脚本后，将信用支付标志写入到IC卡中。然后通知IC卡方该IC卡的信用支付功能开通成功。IC卡发行机构可通知信用授权方IC卡的信用支付功能开通成功。
(2)交易处理
IC卡贴近刷卡终端，刷卡终端成功感应后，按照预设数据交互协议读取IC卡的卡号、可用金额、历史交易信息、信用支付标志等信息；
检查信用支付标志，若确定支持信用支付，刷卡终端机发送零元消费扣款指令至IC卡，若IC卡成功响应，则确定完成扣款，交易完成。刷卡终端记录信用交易日志，交易日志包括实际消费金额、交易日期、交易时间、刷卡终端编号、卡号等信息。若为不支持信用支付，则进入IC卡原交易流程：检查可用额度，若余额不足，则拒绝本次交易。余额足够，计算扣款金额，发送消费扣款指令，完成扣款，交易完成。
刷卡终端在需要时将信用交易日志发生给IC卡发行方的服务器，IC卡发行方的服务器生成扣款请求，并将所述扣款请求发送给信用授权方。
信用授权方根据所述扣款请求中携带的交易相关信息，对IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
由上述分析可知，本申请实施例可以为用户提供一种免圈存的IC卡管理方案，信用授权方预先登记用户的支付账户，IC卡发行方绑定用户与IC卡的关系，当用户使用IC卡交易时，由刷卡终端记录本次交易信息，之后，IC卡发行方可以根据交易信息，与信用授权方进行结算。由于信用授权方预先登记有申请用户的支付账户，信用授权方可以从该支付账户中扣除交易费用。由此可见，本实施例的IC卡在交易时采用信用支付，用户无需预先对IC卡充值，对于IC卡发行方来说，即可减少充值相关业务的处理，显著提高了IC卡管理效率。
与前述基于IC卡的交易处理、信用支付授权方法的实施例相对应，本申请还提供了基于IC卡的交易处理、信用支付授权装置及其所应用的系统的实施例。
相应的，本申请提供一种基于IC卡的交易处理系统，所述系统包括：
IC卡发行方的刷卡终端，用于：检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息发送给IC卡发行方的服务器。
所述IC卡发行方的服务器，用于：生成携带有所述本次交易的相关信息 的扣款请求，并将所述扣款请求发送给信用授权方，所述信用授权方预先登记有所述IC卡的持有用户的支付账户。
信用授权方的服务器，用于：根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
在一个可选的实现方式中，所述信用支付条件包括：所述IC卡支持信用支付且所述IC卡为合法卡。
相应的，本申请提供一种IC卡的信用支付授权系统，所述装置包括：
IC卡发行方的服务器，用于：获取申请用户的用户信息，向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息。
信用授权方的服务器，用于：接收所述信用支付授权请求，根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应。
IC卡发行方的服务器还用于：在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
如图4所示，图4是本申请根据一示例性实施例示出的一种基于IC卡的交易处理装置的框图，所述装置包括：
交易模块41，用于：检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息。
发送模块42，用于：将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
如图5所示，图5是本申请根据一示例性实施例示出的一种基于IC卡的交易处理装置的框图，所述装置包括：
信息接收模块51，用于：接收刷卡终端发送的针对交易的相关信息。
扣款请求模块52，用于：生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作。
结算模块53，用于与所述IC卡发行方针对所述交易进行结算。
如图6所示，图6是本申请根据一示例性实施例示出的一种IC卡的信用支付授权装置的框图，所述装置包括：
信息获取模块61，用于：获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应。
绑定模块62，用于：IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
相应的，本申请还提供一种基于IC卡的交易处理装置，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息。
将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
本申请实施例基于IC卡的交易处理装置/IC卡的信用支付授权装置的实施例可以应用在服务器/电子设备。装置实施例可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为一个逻辑意义上的装置，是通过其所在服务器/电子设备的处理器将非易失性存储器中对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言，如图7所示，为本申请基于IC卡的交易处理装置/IC卡的信用支付授权装置所在服务器/电子设备的一种硬 件结构图，除了图7所示的处理器710、内存730、网络接口720、以及非易失性存储器740之外，实施例中基于IC卡的交易处理装置/IC卡的信用支付授权装置/IC卡的信用支付授权装置731所在的服务器/电子设备通常根据该服务器/电子设备的实际功能，还可以包括其他硬件，对此不再赘述。
相应的，本申请还提供一种基于IC卡的交易处理装置，包括：处理器；
用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息。
将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
相应的，本申请还提供一种基于IC卡的交易处理装置，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
接收刷卡终端发送的针对交易的相关信息。
生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作。
与所述IC卡发行方针对所述交易进行结算。
相应的，本申请还提供一种IC卡的信用支付授权装置，包括：处理器；用于存储处理器可执行指令的存储器；其中，所述处理器被配置为：
获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应。
IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
上述装置中各个模块的功能和作用的实现过程具体详见上述方法中对应 步骤的实现过程，在此不再赘述。
对于装置实施例而言，由于其基本对应于方法实施例，所以相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的模块可以是或者也可以不是物理上分开的，作为模块显示的部件可以是或者也可以不是物理模块，即可以位于一个地方，或者也可以分布到多个网络模块上。可以根据实际的需要选择其中的部分或者全部模块来实现本申请方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
本领域技术人员在考虑说明书及实践这里申请的发明后，将容易想到本申请的其它实施方案。本申请旨在涵盖本申请的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本申请的一般性原理并包括本申请未申请的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本申请的真正范围和精神由下面的权利要求指出。
应当理解的是，本申请并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本申请的范围仅由所附的权利要求来限制。
以上所述仅为本申请的较佳实施例而已，并不用以限制本申请，凡在本申请的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本申请保护的范围之内。

Claims (21)

  1. 一种基于IC卡的交易处理方法，其特征在于，所述方法包括：
    IC卡发行方的刷卡终端检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息发送给IC卡发行方的服务器；
    所述IC卡发行方的服务器生成携带有所述本次交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，所述信用授权方预先登记有所述IC卡的持有用户的支付账户；
    信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
  2. 根据权利要求1所述的方法，其特征在于，所述信用支付条件包括：所述IC卡支持信用支付且所述IC卡为合法卡。
  3. 根据权利要求2所述的方法，其特征在于，所述确定所述IC卡满足预设的信用支付条件，包括：
    读取所述IC卡中的指定存储区域是否存储有信用支付标记，若有，则确定所述IC卡支持信用支付。
  4. 根据权利要求2所述的方法，其特征在于，所述确定所述IC卡满足预设的信用支付条件，包括：
    向所述IC卡发起验证指令，若接收到所述IC卡返回的验证成功响应，则确定IC卡为合法卡。
  5. 根据权利要求4所述的方法，其特征在于，所述验证指令包括零元消费扣款指令。
  6. 一种IC卡的信用支付授权方法，其特征在于，所述方法包括：
    IC卡发行方获取申请用户的用户信息，向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用 户信息；
    信用授权方接收所述信用支付授权请求，根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
    IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
  7. 根据权利要求6所述的方法，其特征在于，所述IC卡中的指定存储区域存储有信用支付标记。
  8. 根据权利要求6或7所述的方法，其特征在于，所述IC卡发行方向信用授权方发起针对所述申请用户的信用支付授权请求，包括：
    通过与IC卡发行方关联的电子设备读取IC卡中存储的IC卡相关信息，通过所述电子设备中安装的客户端获取申请用户的用户信息，所述客户端将所述IC卡相关信息和用户信息发送给所述IC卡发行方，所述IC卡发行方通过所述客户端向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述用户信息。
  9. 根据权利要求8所述的方法，其特征在于，在所述建立所述申请用户与所述IC卡的绑定关系后，所述方法还包括：
    所述IC卡发行方通知所述电子设备为所述IC卡开通信用支付；
    所述电子设备将所述信用支付标记写入至所述IC卡中。
  10. 一种基于IC卡的交易处理方法，其特征在于，所述方法包括：
    检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；
    将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
  11. 一种基于IC卡的交易处理方法，其特征在于，所述方法包括：
    接收刷卡终端发送的针对交易的相关信息；
    生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给 信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作；
    与所述IC卡发行方针对所述交易进行结算。
  12. 一种IC卡的信用支付授权方法，其特征在于，所述方法包括：
    获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
    在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
  13. 一种基于IC卡的交易处理系统，其特征在于，所述系统包括：
    IC卡发行方的刷卡终端，用于：检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息发送给IC卡发行方的服务器；
    所述IC卡发行方的服务器，用于：生成携带有所述本次交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，所述信用授权方预先登记有所述IC卡的持有用户的支付账户；
    信用授权方的服务器，用于：根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作，并在扣款成功后，与所述IC卡发行方针对所述本次交易进行结算。
  14. 根据权利要求13所述的系统，其特征在于，所述信用支付条件包括：所述IC卡支持信用支付且所述IC卡为合法卡。
  15. 一种IC卡的信用支付授权系统，其特征在于，所述装置包括：
    IC卡发行方的服务器，用于：获取申请用户的用户信息，向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息；
    信用授权方的服务器，用于：接收所述信用支付授权请求，根据所述申 请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
    IC卡发行方的服务器还用于：在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
  16. 一种基于IC卡的交易处理装置，其特征在于，所述装置包括：
    交易模块，用于：检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；
    发送模块，用于：将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
  17. 一种基于IC卡的交易处理装置，其特征在于，所述装置包括：
    信息接收模块，用于：接收刷卡终端发送的针对交易的相关信息；
    扣款请求模块，用于：生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作；
    结算模块，用于与所述IC卡发行方针对所述交易进行结算。
  18. 一种IC卡的信用支付授权装置，其特征在于，所述装置包括：
    信息获取模块，用于：获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
    绑定模块，用于：IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
  19. 一种基于IC卡的交易处理装置，其特征在于，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    检测到IC卡后，若确定所述IC卡满足预设的信用支付条件，则确定本次交易完成，并记录本次交易的相关信息；
    将所述本次交易的相关信息发送给IC卡发行方的服务器，以供所述IC卡发行方请求信用授权方对本次交易进行扣款，并与所述信用授权方针对所述本次交易进行结算。
  20. 一种基于IC卡的交易处理装置，其特征在于，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    接收刷卡终端发送的针对交易的相关信息；
    生成携带有所述交易的相关信息的扣款请求，并将所述扣款请求发送给信用授权方，以供所述信用授权方根据所述扣款请求中携带的所述本次交易的相关信息，对所述IC卡的持有用户的支付账户进行扣款操作；
    与所述IC卡发行方针对所述交易进行结算。
  21. 一种IC卡的信用支付授权装置，其特征在于，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为：
    获取申请用户的用户信息，并向信用授权方发起针对所述申请用户的信用支付授权请求，所述信用支付授权请求携带有所述申请用户的用户信息，以供所述信用授权方根据所述申请用户的用户信息，登记所述申请用户的支付账户，并向所述IC卡发行方发送授权响应；
    IC卡发行方在接收到所述授权响应后，建立所述申请用户的用户信息与IC卡相关信息的绑定关系，完成所述IC卡的信用支付授权操作。
PCT/CN2018/082772 2017-04-13 2018-04-12 基于ic卡的交易处理、信用支付授权方法、装置及系统 WO2018188624A1 (zh)

Priority Applications (4)

Application Number Priority Date Filing Date Title
JP2019525801A JP6860665B2 (ja) 2017-04-13 2018-04-12 Ｉｃカードベースの取引処理およびクレジット決済承認方法、デバイス、およびシステム
EP18784565.6A EP3528221A4 (en) 2017-04-13 2018-04-12 IC CARD BASED TRANSACTION PROCESSING AND AUTHORIZATION PROCEDURE FOR LOAN PAYMENTS, DEVICE AND SYSTEM
KR1020197013733A KR102266679B1 (ko) 2017-04-13 2018-04-12 Ic 카드 기반의 트랜잭션 처리 및 신용 결제 인가 방법, 디바이스 및 시스템
US16/600,016 US20200042979A1 (en) 2017-04-13 2019-10-11 Ic card-based transaction processing and credit payment authorization method, device, and system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710239908.1A CN107194681A (zh) 2017-04-13 2017-04-13 基于ic卡的交易处理、信用支付授权方法、装置及系统
CN201710239908.1 2017-04-13

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US16/600,016 Continuation US20200042979A1 (en) 2017-04-13 2019-10-11 Ic card-based transaction processing and credit payment authorization method, device, and system

Publications (1)

Publication Number Publication Date
WO2018188624A1 true WO2018188624A1 (zh) 2018-10-18

Family

ID=59871701

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/082772 WO2018188624A1 (zh) 2017-04-13 2018-04-12 基于ic卡的交易处理、信用支付授权方法、装置及系统

Country Status (7)

Country Link
US (1) US20200042979A1 (zh)
EP (1) EP3528221A4 (zh)
JP (1) JP6860665B2 (zh)
KR (1) KR102266679B1 (zh)
CN (1) CN107194681A (zh)
TW (1) TWI710985B (zh)
WO (1) WO2018188624A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20220414659A1 (en) * 2019-11-22 2022-12-29 Ntt Docomo, Inc. Authorization device

Families Citing this family (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107194681A (zh) * 2017-04-13 2017-09-22 阿里巴巴集团控股有限公司 基于ic卡的交易处理、信用支付授权方法、装置及系统
CN108038686A (zh) * 2017-11-06 2018-05-15 阿里巴巴集团控股有限公司 基于信用实现支付的方法
CN107909410B (zh) * 2017-12-04 2020-11-10 广州众威能信息科技有限公司 电子结算方法、装置、存储介质和计算机设备
CN110390522A (zh) * 2018-04-19 2019-10-29 北京三快在线科技有限公司 虚拟资源管理方法与装置
CN110363511B (zh) * 2019-06-10 2023-08-11 创新先进技术有限公司 基于ic卡的业务实现方法、虚拟ic卡和移动终端
CN110414982A (zh) * 2019-07-10 2019-11-05 武汉城市一卡通有限公司 一种一卡通交易方法及系统
CN110414971B (zh) * 2019-08-02 2023-07-04 广州羊城通有限公司 一种实体ic卡余额转移的控制方法及装置
CN112749959B (zh) * 2019-10-29 2023-09-19 腾讯科技（深圳）有限公司 资源转移方法、系统、装置、设备及存储介质
CN111199393B (zh) * 2019-12-24 2023-05-26 天阳宏业科技股份有限公司 单信息交易的入账方法、装置和设备
CN112884971A (zh) * 2021-01-20 2021-06-01 指点生活科技(深圳)有限责任公司 一种公交ic卡业务处理方法
KR102630739B1 (ko) * 2021-09-08 2024-01-29 주식회사 한네트 결제관리장치 및 그 장치의 구동방법, 그리고 컴퓨터 판독가능 기록매체

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102117520A (zh) * 2009-12-31 2011-07-06 亿阳信通股份有限公司 基于ic卡的支付方法、管理装置、服务器及移动终端
WO2014168318A1 (ko) * 2013-04-12 2014-10-16 주식회사 티모넷 대표카드를 이용한 금융결제 시스템 및 그 방법
CN106408294A (zh) * 2016-08-31 2017-02-15 北京握奇数据系统有限公司 一种ic卡自动充值方法及系统
CN107093074A (zh) * 2017-04-26 2017-08-25 广州地铁设计研究院有限公司 一种城市轨道交通金融ic卡的检票支付系统及方法
CN107194681A (zh) * 2017-04-13 2017-09-22 阿里巴巴集团控股有限公司 基于ic卡的交易处理、信用支付授权方法、装置及系统

Family Cites Families (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7222097B2 (en) * 2000-01-18 2007-05-22 Bellosguardo Philippe A Anonymous credit card
IL158694A (en) * 2003-10-30 2014-11-30 Verifone Israel Ltd Prepaid card clearing system
US8636203B1 (en) * 2005-12-06 2014-01-28 Visa U.S.A. Inc. Partial authorization of a financial transaction
CN101114397A (zh) * 2006-07-28 2008-01-30 阿里巴巴公司 利用包含ic卡的身份证进行交易的支付系统及方法
US8386349B2 (en) * 2007-02-28 2013-02-26 Visa U.S.A. Inc. Verification of a portable consumer device in an offline environment
CN101324942A (zh) * 2007-06-13 2008-12-17 阿里巴巴集团控股有限公司 利用包含ic卡的身份证进行交易的支付系统及方法
TW200919210A (en) * 2007-07-18 2009-05-01 Steven Kays Adaptive electronic design
US20110276420A1 (en) * 2008-09-17 2011-11-10 Robert White Cash card system
US8341084B2 (en) * 2009-06-08 2012-12-25 Mastercard International Incorporated Method, apparatus, and computer program product for topping up prepaid payment cards for offline use
KR20100057152A (ko) * 2008-11-21 2010-05-31 한국정보통신주식회사 충전/사용 카드 정산 방법 및 시스템과 이를 위한 기록매체
TWM389896U (en) * 2009-05-27 2010-10-01 Network Security Tech Co A payment device integrating electronic monies payment and traditional monies payment
US8255330B2 (en) * 2009-10-09 2012-08-28 U.S. Bank National Association Overdraft protection and forgiveness
US10445723B2 (en) * 2010-04-09 2019-10-15 Paypal, Inc. NFC-transaction processing systems and methods
US8380177B2 (en) * 2010-04-09 2013-02-19 Paydiant, Inc. Mobile phone payment processing methods and systems
US20160307186A1 (en) * 2015-04-20 2016-10-20 Mastercard International Incorporated Verification of contactless payment card for provisioning of payment credentials to mobile device
JP6096866B1 (ja) * 2015-11-11 2017-03-15 ヤフー株式会社 実行装置、実行方法及び実行プログラム
TWM533280U (en) * 2016-06-16 2016-12-01 Da Ho Marketing Co Ltd Payment integration system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN102117520A (zh) * 2009-12-31 2011-07-06 亿阳信通股份有限公司 基于ic卡的支付方法、管理装置、服务器及移动终端
WO2014168318A1 (ko) * 2013-04-12 2014-10-16 주식회사 티모넷 대표카드를 이용한 금융결제 시스템 및 그 방법
CN106408294A (zh) * 2016-08-31 2017-02-15 北京握奇数据系统有限公司 一种ic卡自动充值方法及系统
CN107194681A (zh) * 2017-04-13 2017-09-22 阿里巴巴集团控股有限公司 基于ic卡的交易处理、信用支付授权方法、装置及系统
CN107093074A (zh) * 2017-04-26 2017-08-25 广州地铁设计研究院有限公司 一种城市轨道交通金融ic卡的检票支付系统及方法

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP3528221A4 *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20220414659A1 (en) * 2019-11-22 2022-12-29 Ntt Docomo, Inc. Authorization device

Also Published As

Publication number Publication date
TW201837804A (zh) 2018-10-16
TWI710985B (zh) 2020-11-21
CN107194681A (zh) 2017-09-22
US20200042979A1 (en) 2020-02-06
KR102266679B1 (ko) 2021-06-22
KR20190073432A (ko) 2019-06-26
JP2020514849A (ja) 2020-05-21
EP3528221A4 (en) 2020-01-08
JP6860665B2 (ja) 2021-04-21
EP3528221A1 (en) 2019-08-21

Similar Documents

Publication Publication Date Title
WO2018188624A1 (zh) 基于ic卡的交易处理、信用支付授权方法、装置及系统
US12086777B2 (en) Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US11995626B2 (en) Expedited point-of-sale merchant payments
US9824355B2 (en) Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US20180268394A1 (en) Cash card system
CA2896755C (en) Systems and methods for providing secure data transmission between networked computing systems
RU2530696C2 (ru) Мобильное устройство, способ и система для выполнения платежных операций
US8812401B2 (en) Secure payment capture processes
CN104680361A (zh) 一种基于第三方平台的取现方法和系统
AU2017219057B2 (en) Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
WO2017036249A1 (zh) 使用移动终端进行支付的方法和装置
US10559041B2 (en) Conducting various actions indicated by a financial card
TW201911166A (zh) 二維條碼掃碼轉帳系統
TW201546730A (zh) 消費扣款方法及其伺服器系統
JP2000200320A (ja) 電子マネ―
AU2010257373B2 (en) Cash card system
KR20200129748A (ko) 발급된 카드를 이용하는 결제 시스템 및 결제 방법
TW201642190A (zh) 電腦程式產品與操作方法

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 18784565

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 20197013733

Country of ref document: KR

Kind code of ref document: A

Ref document number: 2019525801

Country of ref document: JP

Kind code of ref document: A

ENP Entry into the national phase

Ref document number: 2018784565

Country of ref document: EP

Effective date: 20190513

NENP Non-entry into the national phase

Ref country code: DE