CN106096954B - Non-networking data processing device, non-networking data interaction system and method - Google Patents
Non-networking data processing device, non-networking data interaction system and method Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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- 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
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- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
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- 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
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Abstract
The invention provides a non-networking data processing device, a non-networking data interaction system and a non-networking data interaction method. The non-networked data processing apparatus includes: the interactive interface is used for realizing data interaction with an external reading device in a non-contact mode; the electronic wallet is used for carrying out electronic payment processing through the interactive interface based on the consumption command sent by the external reading device; the self-recharging module recharges the electronic wallet within a prepayable limit preset in the non-networked data processing device according to a preset condition; and the detail recording module is used for recording the electronic payment record details of the electronic wallet and the recharging record details of the self-recharging module.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a non-networked data processing device capable of realizing non-networked payment, a non-networked data interaction system and a non-networked data interaction method.
Background
At present, electronic money cards supporting non-networked operation in the market, such as smart cards for small-amount consumption, are almost all electronic wallets or electronic cash cards based on the financial IC card specification of the chinese people bank (the industry standard "the chinese financial Integrated Circuit (IC) card specification", PBOC specification for short in the industry). The structure of the system is shown in fig. 4, and comprises an electronic wallet, a charging consumption transaction detail recording module and a relevant interface. They all belong to prepaid cards, i.e. the user must first increase the balance in the card by cash charging or loading in a background account at a service network or a designated terminal. This mode of application suffers from the following disadvantages: the prepaid card recharging or earmark usually requires a card holder to go to a service network point, queue for a long time and is time-consuming and troublesome; the fund on the prepaid card is deposited in the bank account of the card issuer, and the user can not enjoy the income brought by the prepaid card; a card sender needs to invest a large amount of manpower, material resources and financial resources to build a recharging network and buy recharging machines; and when the recharging process is abnormal, disputes and complaints are easily caused.
Meanwhile, with the construction and the improvement of a credit investigation system in China, credit payment is accepted and used by more and more Chinese people. The current state of the art of domestic credit payment is: the credit transaction is a full-networking transaction, information such as the credit line, the available line and the like of a customer is stored in a bank background, and a POS machine and the like are in butt joint with a bank through a network to perform real-time interaction of data such as customer identity information, credit information and the like; moreover, the transaction flow of credit consumption is complex, the user needs to sign and confirm after the transaction, and some users need to input passwords, so that the process is complex. These current situations determine that credit payment is more suitable for large payment scenes with low requirement on payment duration, such as shopping, and is difficult to apply to small payment scenes requiring rapid transit, such as buses and subways.
Disclosure of Invention
In view of this, the present invention provides a non-networked data processing apparatus, a non-networked data interaction system and a non-networked data interaction method, which can implement fast non-networked payment.
According to a first aspect of the present invention, there is provided a non-networked data processing apparatus comprising: the interactive interface is used for realizing data interaction with an external reading device in a non-contact mode; the electronic wallet is used for carrying out electronic payment processing through the interactive interface based on the consumption command sent by the external reading device; the self-recharging module recharges the electronic wallet within a prepayable limit preset in the non-networked data processing device according to a preset condition; and the detail recording module is used for recording the electronic payment record details of the electronic wallet and the recharging record details of the self-recharging module.
According to a second aspect of the present invention, there is provided a non-networked data interaction system, comprising: a non-networked data processing apparatus as described above; and an external reading device which sends a consumption command containing information of the consumption amount to the non-networked data processing device.
According to a third aspect of the present invention, there is provided a non-networked data interaction method performed in the non-networked data interaction system as described above, comprising: a step in which the external reading device sends a consumption initialization command containing information of a consumption amount to the non-networked data processing device; the non-networking data processing device carries out pre-charging processing based on the consumption initialization command and sends information containing the result of the pre-charging processing to the external reading device; a step of transmitting a consumption command to the non-networked data processing device when the external reading device determines that there is a possibility of a transaction success based on the received result of the pre-charge process; the non-networking data processing device executes recharging confirmation processing and electronic payment processing based on the consumption command, and returns a consumption command response to the external reading device; and the external reading device judges whether the transaction is successful or not based on the consumption command response, and performs equipment transaction processing when the transaction is successful, thereby ending the transaction process.
According to the scheme of the invention, the prepayment amount is recorded on the card in advance, and the balance of the prepayment amount can be updated in a non-networked manner after each automatic recharge, so that the POS machine can directly read and operate the card during consumption without networking a bank background and the like.
The invention breaks the thinking form that the current credit transaction is the whole networking transaction, unbinds the payment and the recharging/load deposit, highlights the function positioning of the IC card as the payment means, and the user does not need to store the fund on the card, thereby ensuring that the fund of the user is not occupied by the card for a long time to influence the income and the like. The user does not need to pay attention to whether the money of the electronic wallet is enough or not, the card can be always swiped for consumption as long as the balance of the prepayable amount on the card is not used up, the trouble caused by insufficient balance is avoided, and the user experience is convenient and friendly.
According to the scheme of the invention, the self-recharging of the card under the non-networking condition can be realized. The pre-payable amount can be preset to be an amount which is large enough relative to the single transaction amount (for example, in a small amount consumption scene such as a bus card, in which the single consumption generally does not exceed 10 yuan, the pre-payable amount can be, for example, more than 1000 yuan), and when a preset condition (for example, the self-charging condition, the self-charging permission condition and the like of the embodiment) is met in the consumption process, the card can automatically transfer a smaller amount for meeting the consumption of the time to the electronic wallet, so that the balance of the electronic wallet jumps upwards immediately, and the effect of self-charging of the card is realized. Here, it is preferable that a charge command interface is not provided to the card in order to prevent confusion of the balance on the card due to the user's cash charge.
According to the scheme of the invention, the security mode and algorithm of the electronic wallet at the existing card end can not be changed, and the security level is the same as that of the existing payment mode. And the transaction flow and the command interface of consumption are the same as those of the conventional prepaid card and can conform to the PBOC electronic wallet transaction specification, so that the POS machine which conforms to the specification can accept the card without being modified, and the application and popularization of the card can be rapidly realized. And further, the self-filling value and risk control processing logic is simple, the consumed time is little, and the efficiency is high.
According to the scheme of the invention, non-networking risk control can be realized. That is, this patent stores parameters related to self-recharge and consumption control on the card, and the card itself performs risk control. For example, consumption is prohibited when the amount of prepayment is reduced to zero or the validity period has passed; the lower limit of the balance of the electronic purse controls the self-recharging triggering condition; the single self-recharge amount and the number of self-recharge times in a single day are used for limiting the self-recharge amount in a single day; the single-day consumable limit and the single maximum spending amount are used for limiting the single-day or single maximum spending amount. The technical means are all in a non-networking state, and the non-networking risk control of the patent card can be improved.
The following describes the technical solution of the present invention in detail with reference to the accompanying drawings and the detailed description, and the beneficial effects of the present invention will be further clarified.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention.
FIG. 1 shows a functional block diagram of a non-networked data processing apparatus in accordance with a preferred embodiment of the present invention.
Fig. 2 is a flowchart illustrating a non-networked data interaction method in the non-networked data interaction system according to a preferred embodiment of the present invention.
Fig. 3 is a flowchart illustrating a non-networked data interaction method in the non-networked data interaction system according to a preferred embodiment of the present invention.
Fig. 4 is a functional block diagram of a prepaid card in the prior art.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to the specific embodiments of the present invention and the accompanying drawings. It is to be understood that the described embodiments are merely exemplary of the invention, and not restrictive of the full scope of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The non-networking data processing device can be in any feasible form such as an IC card, an NFC mobile phone, intelligent wearable equipment and the like, and only needs to have the structure of the scheme of the invention and can realize the functions of the invention. The following description does not limit the specific form of the device.
Fig. 1 shows a block diagram of functional modules of a non-networked data processing apparatus according to the present invention. As shown in fig. 1, the non-networked data processing apparatus includes: the system comprises an interactive interface 1, a self-charging module 2, a detail recording module 3 and an electronic wallet 4. The interactive interface 1 is used for realizing data interaction with an external reading device, such as a card reader and the like; the electronic wallet 4 is used for carrying out electronic payment processing with an external reading device through the interactive interface 1; the self-recharging module 2 recharges the electronic wallet 4 within a preset limit range according to preset conditions; the detail recording module 3 is used for recording various operation record details of the non-networked data processing device.
Each functional module is specifically described below.
The interactive interface 1 is an interface for realizing interaction between the non-networked data processing device and the external reading device, such as service data, and through the interactive interface 1, the non-networked data processing device realizes data interaction with the external reading device, such as prepayment limit setting, electronic payment, detailed record reading and writing, and the like, which will be described later, in a non-contact manner, such as a card shooting manner or a card waving manner.
The self-recharging module 2 comprises: an amount setting module for receiving and holding a pre-settable amount preset by an external special device such as a financial institution via the interactive interface 1; the recharging control module is preset with a self-recharging condition; and the amount calling module charges the electronic wallet 4 within the balance range of the prepayable amount set by the amount setting module according to the self-charging condition preset in the charging control module. In terms of technical implementation, the charging described here may be performed by, for example, increasing a parameter indicating the balance of the electronic money in the electronic wallet 4 by a certain value and decreasing a parameter indicating the amount of money that can be prepaid by a corresponding value. The self-charging condition, in one embodiment, may be set to: the balance of the electronic purse 4 is lower than a predetermined balance lower limit or the consumption amount specified by the consumption command from the outside is larger than the current balance of the electronic purse 4. In addition, the self-recharging condition may further include a recharging permission condition, which may be set to, in one embodiment: the balance of the prepayable amount is enough (more than or equal to the single self-charging amount) and is not expired, and the self-charging times on the day are not used up.
The electronic purse 4 contains parameters representing the currently available electronic money, and can perform data interaction related to the parameters with an external reading device through the interactive interface 1 to realize the electronic payment function. The electronic wallet may further include a consumption condition control module for determining whether to respond to an external consumption command according to a preset consumption permission condition, and executing an electronic wallet consumption command process. Regarding the consumption permission conditions, in one embodiment, it may be set to: the consumption amount specified by the external consumption command is less than or equal to the preset upper limit of the single consumption amount, and the total consumption amount of the current day after the consumption is lower than the preset upper limit of the total consumption amount of the single day.
The detail recording module 3 is used for recording various operation record details of the non-networked data processing device, and may include, for example, an amount setting detail for recording a history of the prepayable amount setting, an amount calling detail for recording a history of the amount calling, and a consumption detail for recording a history of the consumption. The quota setting details at least include the identity information of the special external device, the date and time for quota setting, and the set prepayable quota. The quota calling detail at this point at least comprises the date and time of quota calling and the called specific quota value. The consumption details include at least identification information of a target device (external reading device such as a POS device) that performs consumption, a consumption amount, and a consumption date and time.
In order to ensure the integrity of data, when self-recharging or consumption occurs, if the adjustment and the like of each internal parameter data are successfully executed, the non-networked data processing device atomically updates various data, namely, all data are successfully updated or one byte is not updated, and the situation that only part of data is updated does not occur. The data comprises a prepayable balance, a balance calling parameter, a balance of a prepayable limit, a balance of the electronic purse, recorded details and the like.
In an embodiment, the non-networked data processing device may be a bus card, and the pre-payable amount is, for example, an amount sufficiently larger than a single consumption amount, that is, a bus fee, and may be preset to 1000 yuan if the single bus fee is generally less than 10 yuan. The self-charging condition is, for example: the balance of the electronic purse is less than 10 yuan, or the specific riding fee when the card is swiped in a car is already larger than the balance of the current electronic purse. In addition, the charge permission condition may be set to, for example: the balance of the prepayment credit is enough and has not passed the valid period (such as 1 month, etc.), and the self-charging times (such as 10 times) of the day are not used up. In addition, the consumption permission condition may be set to, for example: the consumption amount specified by the consumption command from the public transportation card swiping machine is less than or equal to the preset upper limit of the single consumption amount (for example, 20 yuan), and the total consumption amount of the current day after the consumption is lower than the preset upper limit of the total consumption amount of the single day (for example, 100 yuan).
When the self-recharging condition is met in the card swiping and riding process, the limit calling module automatically recharges the electronic wallet 4, namely automatically transfers a preset small amount (for example, 20 yuan) to the electronic wallet, so that the balance of the electronic wallet jumps upwards, and the self-recharging effect of the riding card is realized. In addition, in this embodiment, it is preferable that a recharge command interface is not provided for the car card, but the car card is always subjected to prepayment consumption according to a prepayable amount, and the car card goes to a financial institution or a public transportation company or utilizes a network platform according to a certain period (for example, 1 month), and unified settlement such as a statement and a consumption statement is called according to the recorded amount, thereby preventing the card balance from being disordered due to cash recharge at any time of the user. In this case, for example, when the balance of the prepaid amount of the vehicle card is 0, consumption thereafter will be prohibited.
According to the scheme of the invention, the daily recharging operation of the bus card is omitted, so that the consumption of manpower and material resources of recharging service is saved on one hand, and the working efficiency is improved on the other hand.
In the scheme of the invention, parameters related to self-recharging and consumption control are stored on a non-networked data processing device (such as a bus card), automatic recharging can be carried out without networking, and recharging and consumption risk control are carried out by the self-recharging and consumption control device. For example, when the amount of prepayment is reduced to zero or the validity period is passed, consumption is prohibited; controlling a self-recharging trigger condition by utilizing the balance lower limit of the electronic wallet; the single self-recharge amount and the number of self-recharge times in a single day are used for limiting the self-recharge amount in a single day; the single-day consumable limit and the single maximum consumption amount are used for limiting the single-day or single maximum consumption amount and the like.
Fig. 2 and 3 show a flow chart of a non-networked data interaction method according to a specific embodiment of the present invention, in this case, the non-networked data processing device is embodied as a flow chart of a card swiping consumption process of a riding card. Wherein, the self-charging condition of the electronic wallet of the riding card is as follows: and the balance of the electronic purse is self-recharged when the balance is lower than the preset lower limit of the balance, or the consumption amount is larger than the balance of the electronic purse. The charging permission conditions are as follows: the balance of the prepayment amount is enough (more than or equal to the single self-charging amount) and the validity period does not pass, and the self-charging times on the day are not used up. The consumption permission conditions are as follows: the consumption amount is less than or equal to the preset upper limit of the consumption amount of a single stroke, and the total consumption amount of the current day after the consumption is lower than the preset upper limit of the total consumption amount of the single day. Figure 2 shows the steps of the card verification process therein and figure 3 shows the steps of the card swipe transaction process therein.
First, as shown in fig. 2, when a user holds a car card and approaches a POS device to conduct a card swiping transaction in a card waving or shooting manner, the POS device issues a card reading command to the car card (S201), and after the car card receives the card reading command via the interactive interface 1, a card reading response signal including card identification information (for example, a card number) preset in the card and wallet balance information of the electronic wallet 4 is returned to the POS device via the interactive interface 1 (S202). After receiving the card reading response signal returned by the bus card, the POS machine verifies whether the bus card is real and valid based on the card identification information (S203), if the bus card is invalid (N), an error is reported, which indicates that the card swiping fails and the transaction cannot be continued (S204); if it is valid (Y), the card-swiping transaction process shown in FIG. 3 is entered.
It should be noted that the card verification process shown in fig. 2 is not an essential feature of the present invention, and whether or not the card verification process is performed may be set as appropriate according to actual needs.
FIG. 3 shows an illustrative flow of a card swipe transaction process. As shown in fig. 3, the process of determining the likelihood of success of the transaction is performed between the POS and the card at each consumption. Specifically, first, the POS machine transmits a consumption initiation command including the current consumption amount information to the boarding card (S301). After the car card receives the consumption initialization command via the interactive interface 1, the self-recharging module determines whether the self-recharging condition is satisfied (S302). If the result of the determination is no (N), which means that the balance in the current wallet is sufficient, the "temporary wallet balance" as the temporary parameter is set equal to the current wallet balance (S304), and then the electronic wallet consumption initialization command processing by the electronic wallet 4 is entered (S307), and a consumption initialization response including the "temporary wallet balance" parameter is returned to the POS via the interactive interface 1 (S308).
On the other hand, if it is determined in step S302 as yes (Y), that is, if the current balance of the electronic wallet is lower than the preset lower limit of the balance, or if the current consumption amount is larger than the wallet balance, it is further determined whether the balance of the prepaid amount is sufficient, and if not sufficient (that is, N), an error code is returned to the POS via the interactive interface 1 (S306), indicating that the current consumption cannot be continued, and the POS machine presents, for example, "insufficient balance" or the like based on the error code, and ends the current consumption operation. If the result of the determination in step S303 is yes (Y), which means that a pre-billable amount is available, the process proceeds to step S305, the amount calling module sets the "temporary wallet balance" as a temporary parameter to be equal to the total value of the current wallet balance and the preset single self-recharging amount, the electronic wallet 4 performs the electronic wallet consumption initialization command processing (S307), and then returns a consumption initialization response containing the "temporary wallet balance" parameter to the POS machine through the interactive interface 1 (S308).
Here, the "electronic wallet consumption initialization command processing" may be, for example, processing for calling an electronic wallet transaction number, fetching a random number, and the like, which conform to PBOC chinese financial integrated circuit card specifications, and a detailed description thereof will be omitted. The "consumption initialization response" may include, for example, an electronic wallet transaction serial number, a random number, and the like, in addition to the temporary wallet balance parameter.
Then, after receiving the consumption initialization response returned by the riding card, the POS machine determines whether the temporary wallet balance included therein satisfies the current consumption (S309), and if not (N), performs an error notification (S310), indicating that the current consumption cannot be continued. If the answer is yes in step S309, a consumption command including at least transaction date and time information is transmitted to the vehicle card (S311), and the electronic payment processing is started.
After the bus card receives the consumption command through the interactive interface 1, the amount adjusting module determines whether the temporary wallet balance parameter has an increment (S312), if not (N), the temporary wallet balance is equal to the current electronic wallet balance (step S304), the electronic wallet directly enters the electronic wallet consumption command processing (S315), and the electronic wallet 4 executes the relevant processing conforming to the PBOC china financial integrated circuit card specification, for example.
In step S316, the self-charging module and the detail recording module perform atomic update on the following nonvolatile storage data:
the balance of the electronic wallet is the current balance of the electronic wallet plus a single self-recharging amount (in this case, 0) -the consumption amount of this time;
the balance of the prepayable amount is equal to the balance of the current prepayable amount-a single self-recharging amount (in this case, 0);
record self-refill details including at least the self-refill amount, the self-refill date time (not necessarily);
recording consumption details at least comprising the amount of the current consumption transaction and the date and time of the current consumption transaction;
record the cumulative amount of consumption on the day and the cumulative number of self-charges on the day.
The balance of the electronic purse, the balance of the prepayable amount, the current accumulated consumption amount and the current accumulated self-charging times can be overwritten updating, and the self-charging details and the consumption details can be additionally updated in a log mode. In addition, since the self-charging does not occur at this time, the self-charging details may not be recorded, so as to avoid redundancy of the recorded data.
Next, the electronic wallet 4 returns a consumption command response including at least transaction verification information (e.g., a transaction verification code) for verifying the current consumption transaction and information indicating whether the electronic wallet consumption command processing is successful to the POS through the interactive interface 1 (S317), the POS determines whether the execution of the vehicle card command is successful after receiving the response (S320), if not, the POS reports an error (S321), if so, the device transaction processing is performed (S322), e.g., the vehicle card number, the consumption transaction amount, the date and time, and the like are recorded, and the whole transaction flow is ended (S323).
On the other hand, if it is determined in step S312 as yes (Y), that is, if the temporary wallet balance parameter is incremented (path of step S305), the recharge control module determines whether the self-recharge permission condition is satisfied (S313). If not (N in S313), an error code is returned to the POS via the interactive module 1 (S318), indicating that the balance is insufficient and the current electronic wallet consumption command processing is unsuccessful. If it is determined in step S313 that the self-charging permission condition is satisfied (Y in S313), the consumption condition control module in the electronic wallet 4 further determines whether or not the consumption permission condition is satisfied (S314), and if not, returns an error code to the POS via the interactive module 1 (S319), indicating that the consumption condition is not satisfied and the current electronic wallet consumption command processing is unsuccessful. If it is determined in step S314 that the consumption permission condition is satisfied, the electronic wallet consumption command processing is entered (S315), and atomic update of the following nonvolatile storage data is performed in step S316:
the electronic wallet balance is the current electronic wallet balance plus a single self-recharging amount (in this case, a preset single self-recharging amount other than 0) -the transaction amount of this consumption;
the balance of the prepayable amount is equal to the balance of the current prepayable amount-the single self-charging amount (in this case, the preset single self-charging amount is not 0);
recording self-recharge detail including at least a self-recharge amount, a self-recharge date time;
recording consumption details at least comprising the current consumption amount and the current consumption date and time;
record the cumulative amount of consumption on the day and the cumulative number of self-charges on the day.
Similarly, the balance of the electronic purse, the balance of the prepayable amount, the cumulative consumption amount of the current day, the cumulative self-charging times of the current day are overwritten updating, and the self-charging details and the consumption details are additionally journaling updating.
Then, the electronic wallet 4 returns a consumption command response including at least transaction verification information (e.g., a transaction verification code) for verifying the current consumption transaction and information indicating whether the electronic wallet consumption command processing is successful to the POS through the interactive interface 1 (S317), the POS determines whether the execution of the vehicle card command is successful after receiving the response (S320), if not, the POS reports an error (S321), if yes, the device transaction processing is performed (S322), e.g., the vehicle card number, the consumption transaction amount, the date and time, and the like are recorded, and the whole transaction flow is ended (S323).
It should be noted that the prepayable amount may be set by the system for each card in advance, or may be set individually according to the needs of a specific user or the grade of the card. In addition, in the present example, the single self-recharge amount is a fixed value set in advance, but in the modification, the single self-recharge amount may be a mobile value within the range of the balance of the prepayable amount to satisfy the current consumption transaction instead of a fixed value, that is, the single self-recharge amount may be equal to the difference between the current consumption transaction amount and the current balance of the electronic wallet. Therefore, as long as the current consumption transaction amount does not exceed the sum of the current balance of the electronic wallet and the balance of the prepayable amount, the judgment of the transaction success possibility can be completed at one time.
The non-networked data processing device and method of the present invention are described above, and the non-networked data processing device of the present invention may be embodied as, for example, a bus riding card, a small amount consumption payment card, and the like. The following describes advantages of the present invention, and it should be noted that the following advantages are only exemplary, and do not mean that the present invention simultaneously has all the following advantages:
according to the scheme of the invention, the prepayment limit is recorded on the card in advance, and the balance of the prepayment limit can be updated in a non-networked manner after each consumption, so that the POS machine can directly read and operate the card during consumption without networking a bank background and the like.
The invention breaks the thinking form that the current credit transaction is the whole networking transaction, unbinds the payment and the recharging/load deposit, highlights the function positioning of the IC card as the payment means, and the user does not need to store the fund on the card, thereby ensuring that the fund of the user is not occupied by the card for a long time to influence the income and the like. The user does not need to pay attention to whether the money of the electronic wallet is enough or not, the card can be always swiped for consumption as long as the balance of the prepayable amount on the card is not used up, the trouble caused by insufficient balance is avoided, and the user experience is convenient and friendly.
According to the scheme of the invention, the self-recharging of the card under the non-networking condition can be realized. The pre-payable amount can be preset to be an amount which is large enough relative to the single transaction amount (for example, in a small amount consumption scene such as a bus card, in which the single consumption generally does not exceed 10 yuan, the pre-payable amount can be, for example, more than 1000 yuan), and when a preset condition (for example, the self-charging condition, the self-charging permission condition and the like of the embodiment) is met in the consumption process, the card can automatically transfer a smaller amount for meeting the consumption of the time to the electronic wallet, so that the balance of the electronic wallet jumps upwards immediately, and the effect of self-charging of the card is realized. Here, it is preferable that a charge command interface is not provided to the card in order to prevent confusion of the balance on the card due to the user's cash charge.
According to the scheme of the invention, the security mode and algorithm of the electronic wallet at the existing card end can not be changed, and the security level is the same as that of the existing payment mode. And the transaction flow and the command interface of consumption are the same as those of the conventional prepaid card and can conform to the PBOC electronic wallet transaction specification, so that the POS machine which conforms to the specification can accept the card without being modified, and the application and popularization of the card can be rapidly realized. And further, the self-filling value and risk control processing logic is simple, the consumed time is little, and the efficiency is high.
According to the scheme of the invention, non-networking risk control can be realized. That is, this patent stores parameters related to self-recharge and consumption control on the card, and the card itself performs risk control. For example, consumption is prohibited when the amount of prepayment and the balance of the electronic purse are reduced to zero or the validity period is over; the lower limit of the balance of the electronic purse controls the self-recharging triggering condition; the single self-recharge amount and the number of self-recharge times in a single day are used for limiting the self-recharge amount in a single day; the single-day consumable limit and the single maximum spending amount are used for limiting the single-day or single maximum spending amount. The technical means are all in a non-networking state, and the non-networking risk control of the patent card can be improved.
The above description is only an example of the present invention, and is not intended to limit the present invention, and it is obvious to those skilled in the art that various modifications and variations can be made in the present invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the scope of the claims of the present invention.
Claims (10)
1. A non-networked data processing apparatus, comprising:
the interactive interface is used for realizing data interaction with an external reading device in a non-contact mode;
the electronic wallet is used for carrying out electronic payment processing through the interactive interface based on the consumption command sent by the external reading device;
the self-recharging module recharges the electronic wallet within a prepayable limit preset in the non-networked data processing device according to a preset condition; and
a detail recording module for recording the electronic payment record detail of the electronic wallet and the recharging record detail of the self-recharging module,
the self-recharging module comprises:
the limit setting module is used for receiving and keeping a pre-settable limit preset by external special equipment through the interactive interface;
the recharging control module is preset with a self-recharging condition;
and the amount calling module charges the electronic wallet according to the self-charging condition preset in the charging control module within the balance range of the prepayable amount preset by the amount setting module.
2. The non-networked data processing apparatus of claim 1,
the self-charging condition is that the balance of the electronic purse is lower than a preset lower balance limit or a consumption amount specified by a consumption command from the external reading device.
3. The non-networked data processing apparatus of claim 1,
before executing recharging to the electronic wallet, the limit calling module firstly judges whether recharging permission conditions preset in the non-networking data processing device are met;
the recharging permission conditions are that the balance of the prepayment quota is enough and does not pass a preset validity period, and the preset self-recharging times on the day are not used up.
4. The non-networked data processing apparatus of claim 1,
the electronic wallet comprises a consumption condition control module, and the electronic wallet judges whether a consumption command from the external reading device can be responded according to a preset consumption permission condition, and executes the consumption command processing of the electronic wallet;
the consumption permission conditions are as follows: the consumption amount appointed by the consumption command is less than or equal to the upper limit of the single consumption amount preset in the non-networked data processing device, and the total consumption amount of the current day after the consumption is lower than the upper limit of the preset total consumption amount of the single day.
5. The non-networked data processing apparatus of claim 1,
the detail recording module records the amount setting detail which represents the amount setting history of the amount setting module and can be pre-paid, the amount calling detail which represents the amount calling history of the amount calling module and the consumption detail of the electronic money payment history of the electronic wallet.
6. A non-networked data interaction system, comprising:
the non-networked data processing apparatus of claim 1; and
and the external reading device sends a consumption command containing the information of the consumption amount to the non-networked data processing device.
7. The non-networked data interaction system of claim 6, comprising:
the external reading device does not perform networking processing in the data interaction process of the electronic payment with the non-networking data processing device.
8. A non-networked data interaction method performed in the non-networked data interaction system of claim 6, comprising:
a step in which the external reading device sends a consumption initialization command containing information of a consumption amount to the non-networked data processing device;
the non-networking data processing device carries out pre-charging processing based on the consumption initialization command and sends information containing the result of the pre-charging processing to the external reading device;
a step of transmitting a consumption command to the non-networked data processing device when the external reading device determines that there is a possibility of a transaction success based on the received result of the pre-charge process;
the non-networked data processing device executes electronic payment processing based on the consumption command and returns a consumption command response to the external reading device; and
and the external reading device judges whether the transaction is successful or not based on the consumption command response, and performs equipment transaction processing when the transaction is successful, thereby ending the transaction process.
9. The non-networked data interaction method of claim 8,
the pre-charging treatment comprises the following steps:
a step of judging whether or not the self-charging condition according to claim 1 is satisfied,
when the self-charging condition is judged to be met, further judging whether the balance of the prepayable amount is larger than or equal to the preset single self-charging amount, and
when the balance of the prepayable amount is judged to be larger than or equal to the preset single self-recharging amount, the temporary wallet balance as a temporary parameter is equal to the sum of the current electronic wallet balance and the single self-recharging amount;
the external reading device determining whether there is a likelihood of transaction success based on whether the received temporary wallet balance is greater than or equal to the spending amount;
the electronic payment processing includes:
a step of judging whether the temporary wallet balance has added value,
a step of further judging whether or not the charging permission condition as claimed in claim 3 is satisfied when it is judged that the temporary wallet balance is added,
a step of further judging whether or not the consumption permission condition as claimed in claim 4 is satisfied when it is judged that the charge permission condition is satisfied, and
when the consumption permission condition is judged to be met, executing electronic purse consumption command processing, and performing the following atomic updating on at least the balance of the electronic purse and the balance of the prepayable amount:
the balance of the electronic purse is the current balance of the electronic purse plus the single self-recharging amount-the consumption amount,
the balance of the prepayable quota is equal to the balance of the current prepayable quota-the single self-recharging amount.
10. The non-networked data interaction method of claim 8 or 9,
before the external reading device sends the consumption initialization command to the non-networked data processing device, the method further comprises the following steps:
a step of the external reading device sending a card reading command to the non-networked data processing device,
the non-networking data processing device returns a card reading response signal containing self identification information to the external reading device after receiving the card reading command, and
the external reading device verifies whether the non-networked data processing device is real and effective or not based on the card reading response signal;
sending the consumption initialization command to the non-networked data processing device only when the external reading device determines that the non-networked data processing device is authentic and valid.
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| CN108229942B (en) * | 2016-12-13 | 2022-03-29 | 华为技术有限公司 | Recharging method, device and system for electronic wallet |
| CN108183959B (en) * | 2017-12-29 | 2021-09-07 | 深圳市轱辘车联数据技术有限公司 | Vehicle sharing method based on block chain, server and readable storage medium |
| CN110585728A (en) * | 2019-09-08 | 2019-12-20 | 北京智明星通科技股份有限公司 | Method, system and mobile terminal for preventing mobile phone game from excessive recharge |
| CN111476578A (en) * | 2020-04-09 | 2020-07-31 | 王海刚 | NFC payment method and system, and loading method and system |
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