CN103489099A - Electronic cash liquidation method and device - Google Patents
Electronic cash liquidation method and device Download PDFInfo
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- CN103489099A CN103489099A CN201310440120.9A CN201310440120A CN103489099A CN 103489099 A CN103489099 A CN 103489099A CN 201310440120 A CN201310440120 A CN 201310440120A CN 103489099 A CN103489099 A CN 103489099A
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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
- G06Q20/34—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
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Abstract
The invention relates to an electronic cash liquidation method and device. The electronic cash liquidation method comprises the steps of obtaining trade information, corresponding to a preset time node, of a background electronic cash account, if the electronic cash balance of the background electronic cash account is larger than the electronic cash balance uploaded by a trade terminal, obtaining a difference of the electronic cash balance of the background electronic cash account and the electronic cash balance uploaded by the trade terminal, and returning the difference to the electronic cash account in a preset mode, and if the electronic cash balance of the background electronic cash account is smaller than the electronic cash balance uploaded by the trade terminal, stopping using the electronic cash account. Therefore, the problems, such as deduction failures, recharging failures and recharging cheats, of a user can be found in the trade process when liquidation is carried out, processing can be done in time, the trade failure processing process is simple and rapid, and inconvenience caused by locking of the electronic cash account is avoided, and user experience and convenience are greatly improved.
Description
Technical field
The present invention relates to financial integrated circuit card technical field, relate in particular to a kind of method and apparatus of electronic cash clearance.
Background technology
Along with scientific and technological development, the application of electronic cash in people's life is more and more extensive, the transaction processing of contactless electronic cash has following characteristics: the electronic cash remaining sum is kept on smart card, during transaction, at first transaction terminal deducts the electronic cash transaction amount of money in the electronic cash remaining sum of smart card, after completing the processing of dealing money deduction, smart card returns to result to transaction terminal, the result that transaction terminal returns smart card is carried out the offline data authentication, the electronic cash transaction of transaction terminal end and smart card after the offline data authentication success.
When being supplemented with money, the electronic cash remaining sum in smart card easily occurs supplementing with money unsuccessfully, and the electronic cash remaining sum in smart card is carried out to dealing money when deduction easily occur that the amount of money on card deducts, but terminal facility card authentication sheet data failure, the terminal facility are thought the transaction problem such as abnormal, cause user's the remaining sum of backstage electronic cash account and the electronic cash remaining sum in smart card not to be inconsistent.Now need first the electronic cash account on user's card to be locked, Deng an all after date of clearance, go to again bank to process, after the schedule of dealing of bank's inquiring user, uncompleted dealing money is returned to the user, but treatment scheme is too loaded down with trivial details, the user can't use electronic cash between electronics cash account lockup period on card, can not process in time deduction that the user occurs when supplementing with money extremely and the problem such as Fail Transaction.
Summary of the invention
Fundamental purpose of the present invention is to provide a kind of method and apparatus of electronic cash clearance, makes easier the reaching in time of processing of supplementing failure with money and deducting abnormal problem to smart card.
The present invention proposes a kind of method of electronic cash clearance, comprising:
Obtain the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding;
If the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to Preset Time node, be greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, and there is no unliquidated Transaction Information within the default time interval, obtain the electronic cash remaining sum of the described backstage electronic cash account in this Transaction Information, the difference of the electronic cash remaining sum in the described user's who uploads with the transaction terminal in this Transaction Information smart card, return to described smart card by described difference according to default mode;
If the electronic cash remaining sum of the described backstage electronic cash account in the Transaction Information that the Preset Time node is corresponding is arranged, be less than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, stop the use of described smart card.
Preferably, also comprise after obtaining the step of Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding:
If have within the default time interval in the Transaction Information of Preset Time transaction node and have not clearing transactions, and the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to described current time node, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card;
Described difference is returned to described smart card according to default mode.
Preferably, the step of the use of the described smart card of described termination comprises:
If the carrier of described smart card is not installed the transaction control module of described smart card, when the on-line transaction request that receives described smart card, refuse the request of described smart card;
If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiates transaction and control request, to stop the use of described smart card.
Preferably, described default return mode comprises:
When the on-line transaction request that receives described electronic cash account, initiate charging request to described electronic cash account, by supplementing operation with money, described difference is returned to described smart card;
Perhaps,
Described difference is returned to the interlock account of described smart card;
Perhaps,
If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiate the on-line transaction request, after transaction control module response online request, to transaction terminal, initiate charging request, by supplementing operation with money, described difference is returned to described smart card.
Preferably, before the described step of obtaining the Transaction Information of electronic cash account within the default time interval, also comprise:
While detecting described transaction terminal to the charging request of described smart card, respond and record described charging request, and receive from the successful recharging information of described transaction terminal feedback;
If do not receive the successful recharging information of described transaction terminal feedback, the charging request mark of record supplemented with money to failure flags.
Preferably, after the described step of obtaining the Transaction Information of electronic cash account within the default time interval, the method also comprises:
If described backstage electronic cash account has the described failure flags of supplementing with money within a preset time interval, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if the difference of described the first electronic cash remaining sum and described turnover is less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.
The present invention also proposes a kind of device of electronic cash clearance, comprising:
Acquisition module, for obtaining the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding;
Processing module, for the treatment of:
If the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to a Preset Time node, be greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, and there is no unliquidated transaction within the default time interval, obtain the electronic cash remaining sum of the described backstage electronic cash account in this Transaction Information, the difference of the electronic cash remaining sum in the described user's who uploads with the transaction terminal in this Transaction Information smart card, return to described smart card by described difference according to default mode;
If b has the electronic cash remaining sum of the described backstage electronic cash account in the Transaction Information that the Preset Time node is corresponding, be less than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, stop the use of described smart card.
Preferably, if also there is unliquidated transaction in described acquisition module for the Transaction Information that the Preset Time transaction node is arranged within the default time interval, and the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to described current time node, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card; Described processing module is also for returning to described smart card by described difference according to default mode.
Preferably, if described processing module is not also installed the transaction control module of described smart card for the carrier of described smart card, when the on-line transaction request that receives described smart card, refuse the request of described smart card; If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiates transaction and control request, to stop the use of described smart card.
Preferably, described default return mode comprises:
When the on-line transaction request that receives described electronic cash account, initiate charging request to described electronic cash account, by supplementing operation with money, described difference is returned to described smart card;
Perhaps,
Described difference is returned to the interlock account of described smart card;
Perhaps,
If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiate the on-line transaction request, after transaction control module response online request, to transaction terminal, initiate charging request, by supplementing operation with money, described difference is returned to described smart card.
Preferably, this device also comprises:
Respond module, while detecting described transaction terminal to the charging request of described smart card, respond and record described charging request, and receive from the successful recharging information of described transaction terminal feedback;
Mark module, if do not receive the successful recharging information of described transaction terminal feedback, supplement failure flags with money to the charging request mark of record.
Preferably, if described processing module also has the described failure flags of supplementing with money within a preset time interval for described backstage electronic cash account, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if the difference of described the first electronic cash remaining sum and described turnover is less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.
The method and apparatus of the electronic cash clearance that the present invention proposes, the method is obtained the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding, if the electronic cash remaining sum of backstage electronic cash account is greater than the electronic cash remaining sum that transaction terminal is uploaded, obtain the difference of the electronic cash account balance that backstage electronic cash remaining sum and described transaction terminal upload, described difference is returned to described electronic cash account according to default mode; If backstage electronic cash remaining sum is less than the electronic cash account balance that described transaction terminal is uploaded, stop the use of described electronic cash account, the failure and supplement the problem that unsuccessfully waits with money of withholing that can find when default timing node is cleared that the user occurs in process of exchange, processed timely, make the process of processing more simple and quick.
The accompanying drawing explanation
The schematic flow sheet of method the first embodiment that Fig. 1 is electronic cash data clearance of the present invention;
The schematic flow sheet of method the second embodiment that Fig. 2 is electronic cash data clearance of the present invention;
Fig. 3 stops the schematic flow sheet of electronic cash account in Fig. 1 and Fig. 2;
The schematic flow sheet of method the 3rd embodiment that Fig. 4 is electronic cash data clearance of the present invention;
The schematic flow sheet of method the 4th embodiment that Fig. 5 is electronic cash data clearance of the present invention;
The schematic flow sheet of device the first embodiment that Fig. 6 is electronic cash data clearance of the present invention;
The schematic flow sheet of device the second embodiment that Fig. 7 is electronic cash data clearance of the present invention.
The realization of the object of the invention, functional characteristics and advantage, in connection with embodiment, are described further with reference to accompanying drawing.
Embodiment
Below in conjunction with drawings and the specific embodiments, with regard to technical scheme of the present invention, be described further.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
With reference to Fig. 1, the schematic flow sheet of method the first embodiment that Fig. 1 is electronic cash data clearance of the present invention.
The electronic cash liquidation method that the present embodiment proposes comprises:
Step S10, obtain the Transaction Information of the backstage account that the Preset Time node is corresponding;
The consumer sale of electronic cash account is offline transaction, can be consumed at different transaction terminals.The Transaction Information of electronic cash account comprises the electronic cash remaining sum returned in primary account number (pan), account sequence number (sqc), transaction counter (atc), trade date (date), type of transaction (type), dealing money (amt), credit card issuer self-defining data (balance '), backstage electronic cash remaining sum (balance).
When credit card issuer generates the hair fastener data, add electronic cash balance data item in the credit card issuer self-defining data, the credit card issuer self-defining data of sending on making in every transaction all can comprise the electronic cash remaining sum.The credit card issuer self-defining data can be arranged voluntarily by each bank, generally comprises the electronic cash remaining sum and adds up to conclude the business total charge etc.
Predeterminable timing node, at certain timing node transaction terminal, by a upper timing node, the Transaction Information to the current time node uploads onto the server, server is cleared the Transaction Information received, in server inspection transaction, whether there are corresponding pan and sqc to exist, if do not point out the transaction data mistake, if there is server that every transaction is sorted by pan, sqc and atc, write in tran list and cleared, in the Preset Time node is inserted into historical transactional information by Transaction Information.
Step S20, judge the electronic cash remaining sum of the account of backstage electronic cash described in the Transaction Information that default timing node is corresponding, is greater than or less than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card.
Step S30, if the electronic cash remaining sum of backstage electronic cash account described in Transaction Information corresponding to Preset Time node, be greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, and there is no unliquidated transaction within the default time interval, obtain the electronic cash remaining sum of the described backstage electronic cash account in this Transaction Information, the difference of the electronic cash remaining sum in the described user's who uploads with the transaction terminal in this Transaction Information smart card, return to described electronic cash by described difference according to default mode;
After clearance completes, if the electronic cash remaining sum in the smart card that the electronic cash remaining sum of the corresponding backstage of current time node electronic cash account and transaction terminal are uploaded is not inconsistent, the historical trading that the user is described has problem, if the electronic cash remaining sum of backstage electronic cash account is greater than electronic cash remaining sum in the smart card that described transaction terminal uploads, there is the problem of supplementing failure with money in explanation.
And, when the user is supplemented with money smart card by channels such as Web bank and Possums, the problem of failure may appear supplementing with money.Need to carry out on-line transaction when supplementing with money, credit card issuer to electronic cash account authentication success after, send the instruction of electronic cash remaining sum in neocaine more to card, and may appearring in terminal or Net silver, instruction carries out failed situation, now need just initiating punching, if punching just unsuccessfully, just there will be the remaining sum of the electronic cash of backstage electronic cash account to be greater than the situation of the electronic cash remaining sum in smart card.
The remaining sum of the electronic cash of backstage electronic cash account is greater than the situation of the electronic cash remaining sum of the electronic cash account in the smart card that user side uploads, obtain the difference of the electronic cash remaining sum of backstage electronic cash account and the interior electronic cash remaining sum of smart card that user side is uploaded, and this difference is returned to the user by default mode.For example, the recharge amount of 24 transaction of uploading of transaction terminal first day is atm1, the electronic cash remaining sum that user side is uploaded is balance1 ', backstage electronic cash remaining sum is balance1, this pen is with regard to the recharging payment failure, 24 dealing money of uploading of transaction second day are atm2, the electronic cash remaining sum that user side is uploaded is balance2 ', backstage electronic cash remaining sum is balance2, now balance2 is greater than balance2 ', atm1 is returned to the user, atm1=balance2-balance2 '.
When difference is returned to the user, can adopt following various ways:
1, when the on-line transaction request that receives described electronic cash account, initiate charging request to described electronic cash account, by supplementing operation with money, described difference is returned to described smart card;
In the electronic cash remaining sum that backstage electronic cash account occurs is greater than the smart card that user side uploads during the electronic cash remaining sum, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of backstage electronic cash account and smart card that payment terminal is uploaded, and record this difference, because the recharging payment of smart card is on-line transaction, can on the user, once carry out on-line transaction while for example supplementing with money, server is initiated charging request to this electronic cash account, the amount of money in charging request is recorded difference, this difference can be returned to this electronic cash account by the mode of supplementing with money.
2, described difference is returned in the interlock account of described smart card;
Some electronic cash account is provided with interlock account, can realize automatic value-charging by this interlock account, for example the remaining sum setting of electronic cash account is deposited to threshold value from moving-coil, if the remaining sum of electronic cash account deducts dealing money while being less than this threshold value, and terminal is supported on-line transaction, terminal can be initiated an on-line transaction automatically, background system is according to the electronic cash remaining sum, deposit threshold value and dealing money carries out the automatic value-charging operation from moving-coil, deduct dealing money from interlock account, upgrade the remaining sum of electronic cash account, the difference of the remaining sum of the electronic cash on backstage and electronic cash remaining sum can be returned to this interlock account, can be by mode reminding users such as transmission notes after return.
If the carrier of 3 described smart cards is equipped with the transaction control module of described smart card, to described transaction control module, initiate the on-line transaction request, after transaction control module response online request, to transaction terminal, initiate charging request, by supplementing operation with money, described difference is returned to described smart card.
Prior art can be integrated in the electronic cash account SIM card of mobile phone, or the embedded safe unit of mobile phone, transaction control module and the binding of this electronic cash account are installed on mobile phone, server can be initiated transaction request to the transaction control module, the transaction control module is after this transaction request of response, initiate charging request to background server, by supplementing with money, described difference is returned to described smart card, the amount of money in charging request is that recorded difference adds recharge amount, thereby this difference can be returned to smart card by the mode of supplementing with money.The transaction control module can be the bank client end system that is installed on mobile terminal.
Step S40, if the electronic cash remaining sum of the described backstage electronic cash account in the Transaction Information that the Preset Time node is corresponding is arranged, be less than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, stop the use of described smart card.
If the electronic cash remaining sum of backstage electronic cash account is less than the interior electronic cash remaining sum of smart card that described transaction terminal is uploaded, the problem of swindle appears supplementing with money in explanation, electronic cash is supplemented swindle with money and is referred to, the user is when being supplemented with money by Web bank and mobile phone etc., server end is carried out the electronic cash successful recharging, smart card returns to correct result after carrying out the instruction of upgrading electronic cash remaining sum in smart card, but the fraudster distorts this result, make transaction terminal think the more electronic cash remaining sum failure in neocaine of electronic cash account, just initiate punching, cause closing balance in smart card successfully to be upgraded, but the server end recharge amount is return, when payment terminal when current time node or next timing node are cleared, just there will be the electronic cash remaining sum of backstage electronic cash account to be less than the interior electronic cash remaining sum of smart card that described transaction terminal is uploaded.If find, the electronic cash remaining sum of backstage electronic cash account is less than the interior electronic cash remaining sum of smart card that described transaction terminal is uploaded, and stops the use of this electronic cash account, for example, by this electronic cash account locking.
The method of the electronic cash clearance that the present embodiment proposes, obtain the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding, if the electronic cash remaining sum of backstage electronic cash account is greater than the electronic cash remaining sum that transaction terminal is uploaded, obtain the difference of the electronic cash account balance that backstage electronic cash remaining sum and described transaction terminal upload, described difference is returned to described electronic cash account according to default mode; If backstage electronic cash remaining sum is less than the electronic cash account balance that described transaction terminal is uploaded, stop the use of described electronic cash account, the failure and supplement the problem that unsuccessfully waits with money of withholing that can find when default timing node is cleared that the user occurs in process of exchange, processed timely, make the process of processing more simple and quick.
With reference to Fig. 2, the schematic flow sheet of method the second embodiment that Fig. 2 is electronic cash data clearance of the present invention.
Propose method second embodiment of electronic cash data clearance of the present invention based on the first embodiment, in the present embodiment, also comprise after step S10:
Step S50, whether judgement has the Preset Time transaction node to have unliquidated transaction in Transaction Information accordingly within the default time interval;
Step S60, if have within the default time interval in the Transaction Information of Preset Time transaction node and have unliquidated transaction, and the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to described current time node, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card;
Step S70, return to described smart card by described difference according to default mode.
If there is no unliquidated transaction in the Transaction Information of Preset Time transaction node within the default time interval, perform step S20.
Unliquidated transaction refers in the Transaction Information table at Preset Time interval and exists certain transaction not clear, for example, after the Transaction Information that transaction counter atc is 3, the next record Transaction Information is the Transaction Information that atc is 5, think that the transaction that atc is 4 is cleared, the electronic cash remaining sum of backstage electronic cash account in the Transaction Information that atc is 5 if now find, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, , think that the situation that Fail Transaction occurred will obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card, and difference is returned to the user according to default mode.
The user problem of Fail Transaction may occur in process of consumption, and for example, card leaves or departs from the transaction terminal signal area before closing the transaction, causes the partial data read error; Perhaps because causing transaction terminal to fail, other factors reads card data; Perhaps, after the terminal reading out data, the offline data authentification failure, cause Fail Transaction.This kind of situation, the money of user's electronic cash account is deducted, and terminal thinks that this transaction is failed transactions, issuers server is in the clearance process, can this transaction information of random notes do not cleared, not clearing transactions appears, the electronic cash remaining sum of backstage electronic cash account can not deducted this transaction amount of money, when the user is cleared at next timing node, just there will be the electronic cash remaining sum that backstage electronic cash account will occur to be greater than the situation of the electronic cash remaining sum in the smart card that user side uploads, and not clearing transactions is arranged within a preset time interval.When next timing node is cleared, if find, the electronic cash remaining sum of backstage electronic cash account is greater than the electronic cash remaining sum in the smart card that user side uploads, and returns to the user by difference.
Server is when receiving the Transaction Information that transaction terminal sends at default timing node, the Transaction Information received is cleared, after having cleared, Transaction Information is inserted in historical trading, if transaction is offline transaction, according to dealing money, revise the electronic cash remaining sum of backstage electronic cash account.When if occurred when the current time, node was cleared, the interior electronic cash remaining sum of the electronic cash remaining sum of backstage electronic cash account and the smart card that transaction terminal is uploaded is not inconsistent, and the unliquidated Transaction Information of the appearance at clearance in the cycle, the explanation situation of failure that occurs withholing, obtain the difference between the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and smart card that described user side is uploaded, described difference is returned to described electronic cash account according to default mode.Default mode has multiple, as described in the first embodiment, does not repeat them here.Can determine that by this kind of mode the user occurs that the backstage electronic cash remaining sum of electronic cash account and the electronic cash remaining sum that described transaction terminal is uploaded are not inconsistent reason.
With reference to Fig. 3, Fig. 3 stops the schematic flow sheet of electronic cash account in Fig. 1 and Fig. 2.
In the first embodiment and the second embodiment, step S40 specifically comprises:
Step S41, judge whether the carrier of smart card installs the transaction control module of described smart card;
Step S42, if the carrier of described smart card is not installed the transaction control module of described smart card, when the on-line transaction request that receives described smart card, refuse the request of described smart card;
In the electronic cash remaining sum that backstage electronic cash account occurs is less than the smart card that user side uploads during the electronic cash remaining sum, think that the problem of swindle appears supplementing with money in this electronic cash account, record the fraud information of this electronic account, because the recharging payment of smart card is on-line transaction, can on the user, once carry out the on-line transaction request for example during charging request, server is refused the request of this smart card, as long as receive afterwards the on-line transaction request of this smart card, refuse this on-line transaction request.
Step S43, if the carrier of described smart card is equipped with the transaction control module of described smart card, initiates transaction to described transaction control module and control request, to stop the use of described smart card.
In prior art, a lot of electronic cash accounts is integrated on the SIM card of mobile phone, transaction control module and the binding of this electronic cash account are installed on mobile phone, server can be initiated the on-line transaction request to the transaction control module, the transaction control module is after this on-line transaction request of response, send the smart card lock instruction to the transaction control module, stop the use of this smart card.
The method can, after finding that in time smart card occurs supplementing the situation of swindle with money, stop the use of this smart card.
With reference to Fig. 4, the schematic flow sheet of method the 3rd embodiment that Fig. 4 is electronic cash data clearance of the present invention.
In the present embodiment, before step S10, also comprise:
Step S80, while detecting described transaction terminal to the charging request of described smart card, respond and record described charging request, and receive from the successful recharging information of described transaction terminal feedback;
Step S90, if do not receive the successful recharging information of described transaction terminal feedback, supplement failure flags with money to the charging request mark of record.
The recharge procedure of electronic cash account is as follows: the holder enters electronic cash on bank, Possum channel on the net and supplements menu with money; The holder inserts the IC-card card reader by smart card or is placed on contactless card reader Card Reader zone; Web bank, Possum read the application of IC cards data, initiate online charging request to issuers server, authorize successfully, generate the recharging result message, this message is divided into two parts: the instruction of supplementing electronic cash remaining sum in response and renewal card with money, if now server does not receive the successful recharging data that terminal is returned, illustrate that recharging payment makes a mistake, this recharging payment mark is supplemented with money to failure flags.So that while being checked to the rear Transaction Information to the electronic cash account in the clearance cycle, easily determine the problem occurred when transaction.
With reference to Fig. 5, the schematic flow sheet of method the 4th embodiment that Fig. 5 is electronic cash data clearance of the present invention.
Propose method the 4th embodiment of electronic cash data clearance of the present invention based on the 3rd embodiment, in the present embodiment, also comprise after step S10:
Step S100, judge whether described backstage electronic cash account has the described failure flags of supplementing with money within a preset time interval;
Step S110, if described backstage electronic cash account has the described failure flags of supplementing with money within a preset time interval, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money;
Step S120, if the difference of described the first electronic cash remaining sum and described turnover is less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.
Preset Time is spaced apart a clearance cycle, if supplement unsuccessful sign with money in described backstage electronic cash account Transaction Information within a preset time interval, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if described the first electronic cash remaining sum and described turnover be less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.For example 24 corresponding the first electronic cash remaining sums of first day are banlance1, the second electronic cash remaining sum banlance2 of the smart card after 24 corresponding clearances of second day, turnover is amt2, if banlance1-amt2<banlance2, successful recharging is described, in smart card, the electronic cash remaining sum is upgraded, but the electronic cash remaining sum of backstage electronic cash account is not upgraded.
Step S110, if described backstage electronic cash account does not have the described failure flags of supplementing with money within a preset time interval, perform step S50, judgement within the default time interval, whether have the Preset Time transaction node have accordingly the information of Fail Transaction in Transaction Information
Referring to Fig. 6, the schematic flow sheet of device the first embodiment that Fig. 6 is electronic cash data clearance of the present invention.
The device of the electronic cash data clearance that the present embodiment proposes comprises:
The consumer sale of electronic cash account is offline transaction, can be consumed at different transaction terminals.The Transaction Information of electronic cash account comprises primary account number (pan), account sequence number (sqc), transaction counter (atc), trade date (date), type of transaction (type), dealing money (amt), credit card issuer self-defining data (balance '), backstage electronic cash remaining sum (balance), when credit card issuer generates the hair fastener data, add electronic cash remaining sum self-defining data item in the credit card issuer self-defining data, the credit card issuer self-defining data of sending on making in every transaction all can go up the sub-closing balance of power transmission.The credit card issuer self-defining data can be arranged voluntarily by each bank, generally comprises the electronic cash remaining sum and adds up to conclude the business total charge etc.The transaction of electronic cash account is offline transaction, can be consumed at different transaction terminals.
Predeterminable timing node, at certain timing node transaction terminal, by a upper timing node, the Transaction Information to the current time node uploads onto the server, server is cleared the Transaction Information received, in server inspection transaction, whether there are corresponding pan and sqc to exist, if do not point out the transaction data mistake, if have server by every transaction by pan, sqc and atc are sorted, write in tran list and cleared, the total charge of concluding the business after having cleared, and the electronic account remaining sum that a nearest transaction is uploaded from the Preset Time node is inserted in historical trading.In the Preset Time node is inserted into historical transactional information by Transaction Information.
After clearance completes, if the electronic cash remaining sum in the smart card that the electronic cash remaining sum of the corresponding backstage of current time node electronic cash account and transaction terminal are uploaded is not inconsistent, the historical trading that the user is described has problem, if the electronic cash remaining sum of backstage electronic cash account is greater than electronic cash remaining sum in the smart card that described transaction terminal uploads, there is the problem of supplementing failure with money in explanation.
And smart card is supplemented with money while supplementing with money by channels such as Web bank and Possums the user, the problem of failure may appear supplementing with money, need to carry out on-line transaction when supplementing with money, credit card issuer to electronic cash account authentication success after, send the instruction of electronic cash remaining sum in neocaine more to card, and may appearring in terminal or Net silver, instruction carries out failed situation, now need just initiating punching, if punching just unsuccessfully, just there will be the remaining sum of the electronic cash of backstage electronic cash account to be greater than the situation of the electronic cash remaining sum in smart card.
The remaining sum of the electronic cash of backstage electronic cash account is greater than the situation of the electronic cash remaining sum of the electronic cash account in the smart card that user side uploads, obtain the difference of the electronic cash remaining sum of backstage electronic cash account and the interior electronic cash remaining sum of smart card that user side is uploaded, and this difference is returned to the user by default mode.For example, the recharge amount of 24 transaction of uploading of transaction terminal first day is atm1, the electronic cash remaining sum that user side is uploaded is balance1 ', backstage electronic cash remaining sum is balance1, this pen is with regard to the recharging payment failure, 24 dealing money of uploading of transaction second day are atm2, the electronic cash remaining sum that user side is uploaded is balance2 ', backstage electronic cash remaining sum is balance2, now balance2 is greater than balance2 ', atm1 is returned to the user, atm1=balance2-balance2 '.
While again difference being returned to the user, can adopt following various ways:
1, when the on-line transaction request that receives described electronic cash account, initiate charging request to described electronic cash account, by supplementing operation with money, described difference is returned to described smart card;
In the electronic cash remaining sum that backstage electronic cash account occurs is greater than the smart card that user side uploads during the electronic cash remaining sum, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of backstage electronic cash account and smart card that payment terminal is uploaded, and record this difference, because the recharging payment of smart card is on-line transaction, can on the user, once carry out on-line transaction while for example supplementing with money, server is initiated charging request to this electronic cash account, the amount of money in charging request is recorded difference, this difference can be returned to this electronic cash account by the mode of supplementing with money.
2, described difference is returned in the interlock account of described smart card;
Some electronic cash account is provided with interlock account, can realize automatic value-charging by this interlock account, for example the remaining sum setting of electronic cash account is deposited to threshold value from moving-coil, when the remaining sum of electronic cash account deducts dealing money and is less than this threshold value, if terminal is supported on-line transaction, can automatically initiate an on-line transaction, background system is according to the electronic cash remaining sum, deposit threshold value and dealing money carries out the automatic value-charging operation from moving-coil, the certain amount of money of deduction in relevant account, upgrade the remaining sum of electronic cash account, the difference of the remaining sum of the electronic cash on backstage and electronic cash remaining sum can be returned to this interlock account, can be by mode reminding users such as transmission notes after return.
If the carrier of 3 described smart cards is equipped with the transaction control module of described smart card, to described transaction control module, initiate the on-line transaction request, after transaction control module response online request, to transaction terminal, initiate charging request, by supplementing operation with money, described difference is returned to described smart card.
Prior art can be integrated in the electronic cash account SIM card of mobile phone, or the embedded safe unit of mobile phone, transaction control module and the binding of this electronic cash account are installed on mobile phone, server can be initiated the on-line transaction request to the transaction control module, the transaction control module is after this on-line transaction request of response, initiate charging request to the transaction control module, by supplementing with money, described difference is returned to described smart card, the amount of money in charging request is recorded difference, this difference can be returned to smart card by the mode of supplementing with money.The transaction control module can be the bank client end system that is installed on mobile terminal.
If the electronic cash remaining sum of backstage electronic cash account is less than the interior electronic cash remaining sum of smart card that described transaction terminal is uploaded, the problem of swindle appears supplementing with money in explanation, electronic cash is supplemented swindle with money and is referred to, the user is when being supplemented with money by Web bank and mobile phone etc., server is carried out the electronic cash successful recharging, smart card returns to correct result after carrying out the instruction of upgrading electronic cash remaining sum in smart card, but the fraudster revises this result, make transaction terminal think the more electronic cash remaining sum failure in neocaine of electronic cash account, just initiate punching, cause closing balance in smart card successfully to be upgraded, but recharge amount is return, cause payment terminal when current time node or next timing node are cleared, the electronic cash remaining sum that backstage electronic cash account occurs is less than the interior electronic cash remaining sum of smart card that described transaction terminal is uploaded.If find, the electronic cash remaining sum of backstage electronic cash account is less than the interior electronic cash remaining sum of smart card that described transaction terminal is uploaded, and stops the use of this electronic cash account, for example, by this electronic cash account locking.
The device of the electronic cash clearance that the present embodiment proposes, obtain the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding, if the electronic cash remaining sum of backstage electronic cash account is greater than the electronic cash remaining sum that transaction terminal is uploaded, obtain the difference of the electronic cash account balance that backstage electronic cash remaining sum and described transaction terminal upload, described difference is returned to described electronic cash account according to default mode; If backstage electronic cash remaining sum is less than the electronic cash account balance that described transaction terminal is uploaded, stop the use of described electronic cash account, the failure and supplement the problem that unsuccessfully waits with money of withholing that can find when default timing node is cleared that the user occurs in process of exchange, processed timely, make the process of processing more simple and quick.
In the first embodiment, if also there is unliquidated Transaction Information in acquisition module 10 for the Transaction Information that the Preset Time transaction node is arranged within the default time interval, and the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to described current time node, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card; Described processing module 20 is also for returning to described smart card by described difference according to default mode.
Unliquidated transaction refers in the Transaction Information table at Preset Time interval and exists certain transaction not clear, for example, after the Transaction Information that transaction counter atc is 3, the next record Transaction Information is the Transaction Information that atc is 5, think that the transaction that atc is 4 is cleared, the electronic cash remaining sum of backstage electronic cash account in the Transaction Information that atc is 5 if now find, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, , think that the situation that card occurred flying will obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card, and difference is returned to the user according to default mode.
The user problem of Fail Transaction may occur in process of consumption, for example, leaves before closing the transaction or departs from the transaction terminal signal area, cause the partial data read error, Fail Transaction, or read card data, Fail Transaction because other factors causes transaction terminal to fail, perhaps, after the terminal reading out data, the offline data authentification failure, cause Fail Transaction, this kind of situation, the money of user's electronic cash account is deducted, and terminal thinks that this transaction is failed transactions, terminal can will not send credit card issuer to be cleared in this transaction, cause the credit card issuer system not clearing transactions to occur, the electronic cash account of backstage electronic cash account can not deducted this transaction amount of money, when the user is cleared at next timing node, just there will be the electronic cash remaining sum that backstage electronic cash account will occur to be greater than the situation of the electronic cash remaining sum in the smart card that user side uploads, and not clearing transactions is arranged within a preset time interval.When next timing node is cleared, if find, the electronic cash remaining sum of backstage electronic cash account is greater than the electronic cash remaining sum in the smart card that user side uploads, and returns to the user by difference.
Server is when receiving the Transaction Information that transaction terminal sends at default timing node, the Transaction Information received is cleared, to conclude the business after having cleared and be inserted in historical trading by pen, for offline transaction, according to dealing money, revise the electronic cash remaining sum of backstage electronic cash account.When if occurred when the current time, node was cleared, the interior electronic cash remaining sum of the electronic cash remaining sum of backstage electronic cash account and the smart card that transaction terminal is uploaded is not inconsistent, and unliquidated transaction appears in other node at clearance in the cycle, the situation of the failure that occurred withholing is described, obtain the difference between the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and smart card that described user side is uploaded, described difference is returned to described electronic cash account according to default mode.Default mode has multiple, as described in the first embodiment, does not repeat them here.Can determine that by this kind of mode the user occurs that the backstage electronic cash remaining sum of electronic cash account and the electronic cash remaining sum that described transaction terminal is uploaded are not inconsistent reason.
In the first embodiment, if described processing module 20 is not also installed the transaction control module of described smart card for the carrier of described smart card, when the on-line transaction request that receives described smart card, refuse the request of described smart card; If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiates transaction and control request, to stop the use of described smart card.
In the electronic cash remaining sum that backstage electronic cash account occurs is less than the smart card that user side uploads during the electronic cash remaining sum, think that the problem of swindle appears supplementing with money in this electronic cash account, record the fraud information of this electronic account, because the recharging payment of smart card is on-line transaction, can on the user, once carry out the on-line transaction request for example during charging request, server is refused the request of this smart card, as long as receive afterwards the on-line transaction request of this smart card, refuse this on-line transaction request.
In prior art, a lot of electronic cash accounts is integrated on the SIM card of mobile phone, transaction control module and the binding of this electronic cash account are installed on mobile phone, server can be initiated the on-line transaction request to the transaction control module, the transaction control module is after this on-line transaction request of response, send the smart card lock instruction to the transaction control module, stop the use of this smart card.
The method can, after finding that in time smart card occurs supplementing the situation of swindle with money, stop the use of this smart card.
With reference to Fig. 7, the schematic flow sheet of device the second embodiment that Fig. 7 is electronic cash data clearance of the present invention.
Propose device second embodiment of electronic cash data clearance of the present invention based on the first embodiment, in a second embodiment, this device also comprises:
Respond module 30, while detecting described transaction terminal to the charging request of described smart card, respond and record described charging request, and receive from the successful recharging information of described transaction terminal feedback;
The recharge procedure of electronic cash account is as follows: the holder enters electronic cash on bank, Possum channel on the net and supplements menu with money; The holder inserts the IC-card card reader by smart card or is placed on contactless card reader Card Reader zone; Web bank, Possum read the application of IC cards data, initiate online charging request to issuers server, authorize successfully, generate the recharging result message, this message is divided into two parts: the instruction of supplementing electronic cash remaining sum in response and renewal card with money, if now server does not receive the successful recharging data that terminal is returned, illustrate that recharging payment makes a mistake, this recharging payment mark is supplemented with money to failure flags.So that while being checked to the rear Transaction Information to the electronic cash account in the clearance cycle, easily determine the problem occurred when transaction.
In a second embodiment, if described processing module 20 also has the described failure flags of supplementing with money within a preset time interval for described backstage electronic cash account, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if the difference of described the first electronic cash remaining sum and described turnover is less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.
Preset Time is spaced apart a clearance cycle, if supplement unsuccessful sign with money in described backstage electronic cash account Transaction Information within a preset time interval, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if described the first electronic cash remaining sum and described turnover be less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.For example 24 corresponding the first electronic cash remaining sums of first day are banlance1, the second electronic cash remaining sum banlance2 of the smart card after 24 corresponding clearances of second day, turnover is amt2, if banlance1-amt2<banlance2, successful recharging is described, in smart card, the electronic cash remaining sum is upgraded, but the electronic cash remaining sum of backstage electronic cash account is not upgraded.
The foregoing is only the preferred embodiments of the present invention; not thereby limit the scope of the claims of the present invention; every equivalent structure transformation that utilizes instructions of the present invention and accompanying drawing content to do; or directly or indirectly be used in other relevant technical fields, all in like manner be included in scope of patent protection of the present invention.
Claims (12)
1. the method for an electronic cash clearance, is characterized in that, comprising:
Obtain the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding;
If the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to Preset Time node, be greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, and there is no unliquidated Transaction Information within the default time interval, obtain the electronic cash remaining sum of the described backstage electronic cash account in this Transaction Information, the difference of the electronic cash remaining sum in the described user's who uploads with the transaction terminal in this Transaction Information smart card, return to described smart card by described difference according to default mode;
If the electronic cash remaining sum of the described backstage electronic cash account in the Transaction Information that the Preset Time node is corresponding is arranged, be less than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, stop the use of described smart card.
2. method according to claim 1, is characterized in that, the step of obtaining the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding also comprises afterwards:
If have within the default time interval in the Transaction Information of Preset Time transaction node and have unliquidated Transaction Information, and the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to described current time node, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card;
Described difference is returned to described smart card according to default mode.
3. method according to claim 1, is characterized in that, the step of the use of the described smart card of described termination comprises:
If the carrier of described smart card is not installed the transaction control module of described smart card, when the on-line transaction request that receives described smart card, refuse the request of described smart card;
If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiates transaction and control request, to stop the use of described smart card.
4. method according to claim 1 and 2, is characterized in that, described default return mode comprises:
When the on-line transaction request that receives described electronic cash account, initiate charging request to described electronic cash account, by supplementing operation with money, described difference is returned to described smart card;
Perhaps,
Described difference is returned to the interlock account of described smart card;
Perhaps,
If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiate the on-line transaction request, after transaction control module response online request, to transaction terminal, initiate charging request, by supplementing operation with money, described difference is returned to described smart card.
5. method according to claim 1 and 2, is characterized in that, before the described step of obtaining the Transaction Information of electronic cash account within the default time interval, also comprises:
While detecting described transaction terminal to the charging request of described smart card, respond and record described charging request, and receive from the successful recharging information of described transaction terminal feedback;
If do not receive the successful recharging information of described transaction terminal feedback, the charging request setting of record supplemented with money to failure flags.
6. method according to claim 4, is characterized in that, after the described step of obtaining the Transaction Information of electronic cash account within the default time interval, the method also comprises:
If described backstage electronic cash account has the described failure flags of supplementing with money within a preset time interval, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if the difference of described the first electronic cash remaining sum and described turnover is less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.
7. the device of an electronic cash clearance, is characterized in that, comprising:
Acquisition module, for obtaining the Transaction Information of the described backstage electronic cash account that the Preset Time node is corresponding;
Processing module, for the treatment of:
If the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to a Preset Time node, be greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, and there is no unliquidated Transaction Information within the default time interval, obtain the electronic cash remaining sum of the described backstage electronic cash account in this Transaction Information, the difference of the electronic cash remaining sum in the described user's who uploads with the transaction terminal in this Transaction Information smart card, return to described smart card by described difference according to default mode;
If b has the electronic cash remaining sum of the described backstage electronic cash account in the Transaction Information that the Preset Time node is corresponding, be less than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, stop the use of described smart card.
8. device according to claim 7, it is characterized in that, if also there is unliquidated transaction in described acquisition module for the Transaction Information that the Preset Time transaction node is arranged within the default time interval, and the electronic cash remaining sum of the described backstage electronic cash account in Transaction Information corresponding to described current time node, while being greater than the electronic cash remaining sum in the described user's that the transaction terminal in this Transaction Information uploads smart card, obtain the difference of the electronic cash remaining sum in the electronic cash remaining sum of described backstage electronic cash account and the described user's that described transaction terminal is uploaded smart card, described processing module is also for returning to described smart card by described difference according to default mode.
9. device according to claim 8, it is characterized in that, if described processing module is not also installed the transaction control module of described smart card for the carrier of described smart card, when the on-line transaction request that receives described smart card, refuse the request of described smart card; If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiates transaction and control request, to stop the use of described smart card.
10. according to the described device of claim 7 or 8, it is characterized in that, described default return mode comprises:
When the on-line transaction request that receives described electronic cash account, initiate charging request to described electronic cash account, by supplementing operation with money, described difference is returned to described smart card;
Perhaps,
Described difference is returned to the interlock account of described smart card;
Perhaps,
If the carrier of described smart card is equipped with the transaction control module of described smart card, to described transaction control module, initiate the on-line transaction request, after transaction control module response online request, to transaction terminal, initiate charging request, by supplementing operation with money, described difference is returned to described smart card.
11. device according to claim 7, is characterized in that, this device also comprises:
Respond module, while detecting described transaction terminal to the charging request of described smart card, respond and record described charging request, and receive from the successful recharging information of described transaction terminal feedback;
Mark module, if do not receive the successful recharging information of described transaction terminal feedback, supplement failure flags with money to the charging request mark of record.
12. device according to claim 11, it is characterized in that, if described processing module also has the described failure flags of supplementing with money within a preset time interval for described backstage electronic cash account, extract place and state the first electronic cash remaining sum of supplementing the described backstage electronic cash account that failure flags timing node of living in is corresponding with money, extract the second electronic cash remaining sum and turnover in described smart card of supplementing first described user that described transaction terminal is uploaded after failure flags timing node of living in money, if the difference of described the first electronic cash remaining sum and described turnover is less than the second electronic cash remaining sum, remove the described failure flags of supplementing with money.
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| CN201310440120.9A CN103489099A (en) | 2013-09-24 | 2013-09-24 | Electronic cash liquidation method and device |
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Application publication date: 20140101 |