CN105427106A - Electronic cash data authorization processing method, electronic cash data payment processing method and virtual card - Google Patents
Electronic cash data authorization processing method, electronic cash data payment processing method and virtual card Download PDFInfo
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- CN105427106A CN105427106A CN201410474519.3A CN201410474519A CN105427106A CN 105427106 A CN105427106 A CN 105427106A CN 201410474519 A CN201410474519 A CN 201410474519A CN 105427106 A CN105427106 A CN 105427106A
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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
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The invention relates to an electronic cash data authorization processing method, an electronic cash data payment processing method and a virtual card. The authorization processing method includes the following steps: establishing a communication channel between a virtual card and a real card; sending authorization application information to the real card, the authorization application information carrying an identification code, a first virtual card carrier unique identification code, a period of validity of the virtual card and application quota data; receiving authorization data sent by the real card, and sending real card associated data application information to the real card, the authorization data including authorization sum data; and receiving real card associated data reply information returned by the real card, the real card associated data reply information including a period of validity of the real card. In this way, electronic cash data can be authorized to other users while the real card is retained by means of the authorization processing method, so other users can conduct off-line transactions after electronic cash data authorization.
Description
Technical field
The present invention relates to communication technical field, particularly relate to the authorization processing method of electronic cash data, payment processing method and virtual card.
Background technology
Current, along with the high development of infotech, people gradually bank card accustomed to using carry out bankcard consumption, can recorded electronic cash (EC, ElectronicCash) remaining sum in bank card, user can use the EC stored in bank card to consume, wherein, EC be adopt electronic form simulation cash, be usually applied to small amount payment, user use EC consumption time without the need to inputting password.EC exists with form of digital information, electronic cash data can be recorded in integrated circuit (IC, IntegratedCircuitCard) card, such as, the IC-card of current issued by banks has possessed electronic cash function, for convenience of description by the IC-card of above-mentioned issued by banks referred to as bank card.
In prior art, bank card exists with the form of entity card, the IC-card recording electronic cash data can be referred to as entity card, according to PBOC specification and QPBOC specification, electronic cash data can only be recorded in entity card, when user carries out offline transaction, will carry out information interaction by entity card and card reader, thus realize consumption, above-mentioned offline transaction refers to without the need to interconnection network and achievable transaction, wherein, card reader is not networked with other-end.If user wants the electronic cash data grant of recording in bank card to use to other users, then this bank card can only be consigned to other users.
Adopt the authorization processing method of electronic cash data of the prior art, other users can not be given when retaining entity card by electronic cash data grant, making other users carry out offline transaction after electronic cash data grant.
Summary of the invention
The invention provides a kind of authorization processing method of electronic cash data, payment processing method and virtual card, object be in order to solution must not when retain entity card by electronic cash data grant give other users, make other users after electronic cash data grant, carry out the problem of offline transaction.
For achieving the above object, first aspect, the invention provides a kind of authorization processing method of electronic cash data, the method comprises: virtual card and entity card set up communication channel, by described communication channel, send authorized application information to described entity card, in described authorized application information, carry identifying code, the first virtual card carrier unique identifier, the virtual card term of validity and application quota data, described entity card carries out certification to described identifying code, if certification is by then this mandate is legal, and generating virtual card card number, generate according to described application quota data and authorize value data and trading limit data, utilize authorization key to described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity and described trading limit data are encrypted acquisition encrypt data, utilize described virtual card card number, entity card card number, described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity, described trading limit data and described encrypt data carry out the authorized data of digital signature, described authorization data is sent to described virtual card, receive the described authorization data that described entity card sends, and to described entity card sending entity card related data application information, receive the entity card related data return information that described entity card returns, described entity card related data return information comprises the entity card term of validity.
Second aspect, the invention provides a kind of payment processing method of electronic cash data, the method comprises: virtual card and card reader set up communication channel; By described communication channel, send authorization data and the entity card term of validity to described card reader, described authorization data is that entity card utilizes virtual card card number, entity card card number, the first virtual card carrier unique identifier, mandate value data, the virtual card term of validity, trading limit data and encrypt data to carry out the authorization data that digital signature obtains; Described card reader is obtained the first virtual card carrier unique identifier by described authorization data, is authorized value data, the virtual card term of validity, trading limit data and encrypt data; Adopt authorization key to be decrypted acquisition second virtual card carrier unique identifier to described encrypt data, when described second virtual card carrier unique identifier is identical with described first virtual card carrier unique identifier, confirm that described mandate is true; Judge that whether this payment be effective according to described mandate value data, described trading limit data, the described virtual card term of validity and the described entity card term of validity, when judged result pays effective for this time, carry out the payment of electronic cash data according to described virtual card card number and described entity card card number, and send payment data to described virtual card; Receive the payment data that described card reader sends, according to described payment Data Update balance data, add transaction record information, described transaction record information comprises exchange hour data, loco data and transaction value data.
The third aspect, the invention provides a kind of virtual card, and this virtual card comprises: electronic cash authorization module and electronic cash payment module, described electronic cash authorization module, comprising: first passage sets up unit, for setting up communication channel with entity card, authorized application information transmitting unit, the communication channel set up for being set up unit by described first passage sends authorized application information to described entity card, carries identifying code, the first virtual card carrier unique identifier, the virtual card term of validity and application quota data in described authorized application information, authorization data receiving element, for receiving the authorization data that described entity card sends, described authorization data carries out certification to the identifying code that described authorized application information transmitting unit sends for described entity card, and it is legal by this mandate of rear confirmation in certification, generating virtual card card number, mandate value data and trading limit data are generated according to the application quota data that described authorized application information transmitting unit sends, utilize the first virtual card carrier unique identifier that authorization key sends described authorized application information transmitting unit, described mandate value data, the described virtual card term of validity and described trading limit data are encrypted acquisition encrypt data, utilize described virtual card card number, entity card card number, described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity, described trading limit data and described encrypt data carry out the authorization data that digital signature obtains, entity card related data application information transmitting element, for described entity card sending entity card related data application information, entity card related data return information receiving element, for receiving the entity card related data return information that described entity card returns, described entity card related data return information comprises the entity card term of validity, described electronic cash payment module comprises: unit set up by second channel, for setting up communication channel with card reader, transmitting element, for being set up the communication channel that unit is set up by described second channel, send authorization data and the entity card term of validity to described card reader, described authorization data is that entity card utilizes virtual card card number, entity card card number, the first virtual card carrier unique identifier, mandate value data, the virtual card term of validity, trading limit data and encrypt data to carry out the authorization data that digital signature obtains, described card reader is obtained the first virtual card carrier unique identifier by described authorization data, is authorized value data, the virtual card term of validity, trading limit data and encrypt data, adopt authorization key to be decrypted acquisition second virtual card carrier unique identifier to described encrypt data, when described second virtual card carrier unique identifier is identical with described first virtual card carrier unique identifier, confirm that described mandate is true, judge that whether this payment be effective according to described mandate value data, described trading limit data, the described virtual card term of validity and the described entity card term of validity, when judged result pays effective for this time, carry out the payment of electronic cash data according to described virtual card card number and described entity card card number, and send payment data to described virtual card, receiving element, for receiving the payment data that described card reader sends, updating block, for the described payment Data Update balance data received according to described receiving element, transaction record adding device, for adding transaction record information, described transaction record information comprises exchange hour data, loco data and transaction value data.
In the authorization processing method of electronic cash data of the present invention, communication channel is set up by virtual card and entity card, authorized application information is sent to entity card, identifying code is carried in authorized application information, first virtual card carrier unique identifier, the virtual card term of validity and application quota data, by entity card, certification is carried out to identifying code, if certification is by then this mandate is legal, generating virtual card card number, generate according to application quota data and authorize value data and trading limit data, utilize authorization key to the first virtual card carrier unique identifier, authorize value data, the virtual card term of validity and trading limit data are encrypted and obtain virtual card carrier unique identifier encrypt data, utilize virtual card card number, entity card card number, first virtual card carrier unique identifier, authorize value data, the virtual card term of validity, trading limit data virtual card carrier unique identifier and encrypt data carry out the authorized data of digital signature, authorization data is sent to virtual card, the authorization data that virtual card receiving entity card sends, and to entity card sending entity card related data application information, the entity card related data return information that receiving entity card returns, entity card related data return information comprises the entity card term of validity.Therefore, after adopting the authorization processing method of electronic cash data of the present invention, can when retain entity card by electronic cash data grant to virtual card, other users are equivalent to by electronic cash data grant to other users holding this virtual card carrier, so that can carry out offline transaction by this virtual card carrier after electronic cash data grant.
Accompanying drawing explanation
Fig. 1 is the physical card structure schematic diagram in one embodiment of the invention;
Fig. 2 is the authorization processing method process flow diagram of the electronic cash data in one embodiment of the invention;
Fig. 3 is the payment processing method process flow diagram of the electronic cash data in one embodiment of the invention;
Fig. 4 is the virtual card structural representation in one embodiment of the invention.
Embodiment
Below by drawings and Examples, technical scheme of the present invention is described in further detail.
Fig. 1 is the physical card structure schematic diagram in one embodiment of the invention.There is in this entity card microprocessor chip 101 and storer 102, chip operating system (COS is run in microprocessor chip 101, ChipOperatingSystem), the major function of COS is controlled entity card and extraneous message exchange, storer 102 in management entity card also completes the process of various order in entity card inside, electronic cash data are recorded in the storer 102 of above-mentioned entity card, according to the application of entity card, entity card is specifically as follows bank card, mass transit card, mess card etc., and the present invention is not specifically limited this.
Preferably, in entity card except there is microprocessor chip 101 and storer 102, communication module 103 can also be comprised, so that entity card can be communicated with card reader or other-end equipment by communication module 103, communication module 103 is specifically as follows bluetooth communication or near-field communication (NFC, NearFieldCommunication) communication module, in the embodiment of the present invention, communication module 103 can also adopt other functional module, other communication mode can be supported, and two or more communication modes can be supported.
Fig. 2 is the authorization processing method process flow diagram of the electronic cash data in one embodiment of the invention, and the method comprises:
Step 201, virtual card and entity card set up communication channel.
Wherein, virtual card will depend on certain carrier to realize, and virtual card carrier can be intelligent terminal, and such as, mobile phone, panel computer etc., also can be an entity card, virtual card carrier should support at least one in Blue-tooth communication method or NFC communication mode.
From user friendly angle, preferred smart mobile phone is as virtual card carrier, in the embodiment of the present invention, the operating system that smart mobile phone runs is not specifically limited, that is, virtual card may operate in be had on the smart mobile phone of Android operation system, also may operate on the smart mobile phone with operating systems such as WP or iOS.Virtual card can be the file of program and the particular type that virtual card carrier runs, this program can be the type such as APP, service, when virtual card carrier is smart mobile phone, to simulate entity card during programming, set up virtual card user interface, virtual card COS and authorization control logic, in virtual card, the file of particular type is mainly used in storing data required when there is transaction.
In the embodiment of the present invention, entity card can have the structure shown in Fig. 1, has bluetooth communication or NFC communication module, so that virtual card can set up communication channel by virtual card carrier with Blue-tooth communication method or NFC communication mode and entity card.
Virtual card and entity card set up communication channel, specifically can comprise: virtual card adopts NFC mode or Blue-tooth communication method and entity card to set up communication channel.
In the embodiment of the present invention, when virtual card communicates with entity card, show as card-reading apparatus.
Step 202, the communication channel that virtual card is set up by step 201, sends authorized application information to entity card, carries identifying code, the first virtual card carrier unique identifier, the virtual card term of validity and application quota data in authorized application information.
Wherein, identifying code can such as, for being preset by user and being stored in the combination of numbers in entity card, 000000; Also can be monogram, such as AA; Can also be letter and number combinatorics on words, such as A1, it may occur to persons skilled in the art that above-mentioned identifying code has multiple possible form, the present invention be not specifically limited this.
First virtual card carrier unique identifier can be the coded message that handset serial or client identification module (SIM, SubscriberIdentityModule) card number etc. uniquely can identify this virtual card carrier.
This virtual card effective time period that the virtual card term of validity can be arranged by virtual card carrier for user, such as, the setting virtual card term of validity is on September 1,1 day to 2014 August in 2014, or, the setting virtual card term of validity is on August 2,1 day to 2014 August in 2014, or, when the setting virtual card term of validity is 1 day 10 August in 2014 during 00 point of 00 second to 2014 on August 1,10 30 points 00 second, concrete setting form can have multiple, and the present invention does not limit this.By the setting virtual card term of validity, virtual card is had ageing.
Application quota data is the value data of virtual card to the electronic cash of entity card application mandate, such as, and 100 yuan.
Step 203, entity card carries out certification to identifying code.
Step 204, if step 203 certification is by then this mandate is legal, generating virtual card card number.
In the embodiment of the present invention, after mandate terminates, if user also wants the electronic cash data on virtual card to be transferred to entity card again, can be verified by above-mentioned virtual card card number by entity card, verify legal after carry out the transfer of electronic cash data again.
Step 205, entity card generates according to application quota data and authorizes value data and trading limit data.
Wherein, entity card can judge whether application quota data exceeds electronic cash balances in card, if do not exceed electronic cash balances in card, then generates the mandate value data equaling to apply for quota data, if exceed electronic cash balances in card, then virtual card sends refusal authorization message.
In the embodiment of the present invention, when applying for that quota data does not exceed electronic cash balances in card, following manner can also be adopted to generate and to authorize value data, namely according to preset rules, authorize value data can equal to apply for quota data, also can be less than or greater than application quota data.Specifically can generate according to the application quota data combined with virtual card term of validity and authorize value data, such as, the corresponding relation of application quota data, the virtual card term of validity and mandate value data can be as shown in Table 1.
Table one
As shown in Table 1, if application quota data is 30 yuan, and the virtual card term of validity is 1 month, then authorize value data to be 50 yuan; If application quota data is 200 yuan, and virtual card is valid for three months, then value data is authorized to be 500 yuan.
Step 206, entity card utilizes authorization key to the first virtual card carrier unique identifier, authorizes value data, the virtual card term of validity and trading limit data to be encrypted acquisition encrypt data.
Step 207, entity card utilizes virtual card card number, entity card card number, the first virtual card carrier unique identifier, authorizes value data, the virtual card term of validity, trading limit data and encrypt data to carry out the authorized data of digital signature.
Step 208, authorization data is sent to virtual card by entity card, the authorization data that virtual card receiving entity card sends.
Wherein, after the authorization data that virtual card sends at receiving entity card, above-mentioned authorization data can be stored.
Step 209, virtual card is to entity card sending entity card related data application information.
Step 210, the entity card related data return information that virtual card receiving entity card returns, entity card related data return information comprises the entity card term of validity.
Wherein, after the entity card related data return information that virtual card returns at receiving entity card, the entity card term of validity that entity card related data return information comprises can be stored.
From above-mentioned processing procedure, in the authorization processing method of the electronic cash data of the embodiment of the present invention, communication channel is set up by virtual card and entity card, authorized application information is sent to entity card, identifying code is carried in authorized application information, first virtual card carrier unique identifier, the virtual card term of validity and application quota data, by entity card, certification is carried out to identifying code, if certification is by then this mandate is legal, generating virtual card card number, generate according to application quota data and authorize value data and trading limit data, utilize authorization key to the first virtual card carrier unique identifier, authorize value data, the virtual card term of validity and trading limit data are encrypted and obtain virtual card carrier unique identifier encrypt data, utilize virtual card card number, entity card card number, first virtual card carrier unique identifier, authorize value data, the virtual card term of validity, trading limit data virtual card carrier unique identifier and encrypt data carry out the authorized data of digital signature, authorization data is sent to virtual card, the authorization data that virtual card receiving entity card sends, and to entity card sending entity card related data application information, the entity card related data return information that receiving entity card returns, entity card related data return information comprises the entity card term of validity.Therefore, after adopting the authorization processing method of electronic cash data of the present invention, on the one hand, can when retain entity card by electronic cash data grant to virtual card, be equivalent to electronic cash data grant to other users holding this virtual card carrier; On the other hand, due in licensing process, entity card sends in the authorization data of virtual card and comprises mandate value data, and this mandate value data can be the portions of electronics cash data of entity card, and the portions of electronics cash data in entity card therefore can be realized to license to other users.
Fig. 3 is the payment processing method process flow diagram of the electronic cash data in one embodiment of the invention, and the method comprises:
Step 301, virtual card and card reader set up communication channel.
Wherein, virtual card and card reader set up communication channel, specifically can comprise: virtual card adopts NFC mode or Blue-tooth communication method and card reader to set up communication channel.
In the embodiment of the present invention, when virtual card communicates with card reader, show as an entity card.
Step 302, the communication channel that virtual card is set up by step 301, send authorization data and the entity card term of validity to card reader, authorization data be entity card utilize virtual card card number, entity card card number, the first virtual card carrier unique identifier, authorize value data, the virtual card term of validity and encrypt data to carry out digital signature after the authorization data that obtains.
Wherein, the trading limit data the highest payment of at every turn concluding the business for limiting virtual card.
In the embodiment of the present invention, when generation is extremely concluded the business and needs " arbitration ", digital signature can be produced evidence, but does not participate in process of consumption.
Step 303, card reader is obtained the first virtual card carrier unique identifier by authorization data, is authorized value data, the virtual card term of validity, trading limit data and encrypt data.Card reader adopts authorization key to be decrypted acquisition second virtual card carrier unique identifier to encrypt data, when the second virtual card carrier unique identifier is identical with the first virtual card carrier unique identifier, confirms to authorize truly.
In the embodiment of the present invention, card reader can the legitimacy of off line identification virtual card and authenticity.
Step 304, according to mandate value data, trading limit data, the virtual card term of validity and the entity card term of validity, card reader judges that whether this payment be effective, when judged result pays effective for this time, carry out the payment of electronic cash data according to virtual card card number and entity card card number.
In the embodiment of the present invention, card reader can the validity of off line identification virtual card.
Step 305, card reader sends payment data to virtual card.
Step 306, virtual card receives the payment data that card reader sends, according to payment Data Update balance data.
Step 307, add transaction record information, transaction record information comprises exchange hour data, loco data and transaction value data.
Fig. 4 is the virtual card structural representation in one embodiment of the invention, and virtual card comprises: electronic cash authorization module 401 and electronic cash payment module 402;
Described electronic cash authorization module 401, comprising:
First passage sets up unit 4011, for setting up communication channel with entity card;
Authorized application information transmitting unit 4012, the communication channel set up for being set up unit 4011 by described first passage sends authorized application information to described entity card, carries identifying code, the first virtual card carrier unique identifier, the virtual card term of validity and application quota data in described authorized application information;
Authorization data receiving element 4013, for receiving the authorization data that described entity card sends, described authorization data carries out certification to the identifying code that described authorized application information transmitting unit 4012 sends for described entity card, and it is legal by this mandate of rear confirmation in certification, generating virtual card card number, mandate value data and trading limit data are generated according to the application quota data that described authorized application information transmitting unit 4012 sends, utilize the first virtual card carrier unique identifier that authorization key sends described authorized application information transmitting unit 4012, described mandate value data, the described virtual card term of validity and described trading limit data are encrypted and obtain virtual card carrier unique identifier encrypt data, utilize described virtual card card number, entity card card number, described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity, described trading limit data and described encrypt data carry out the authorization data that digital signature obtains,
Authorization data storage unit 4014, for storing the authorization data that described authorization data receiving element 4013 receives;
Entity card related data application information transmitting element 4015, for described entity card sending entity card related data application information;
Entity card related data return information receiving element 4016, for receiving the entity card related data return information that described entity card returns, described entity card related data return information comprises the entity card term of validity;
Wherein, authorization data storage unit 4014 is selectable unit, and electronic cash authorization module 401 can not comprise authorization data storage unit 4014.
Described electronic cash payment module 402 comprises:
Unit 4021 set up by second channel, for setting up communication channel with card reader;
Transmitting element 4022, for being set up the communication channel that unit 4021 is set up by described second channel, send authorization data and the entity card term of validity to described card reader, described authorization data is that entity card utilizes virtual card carrier unique identifier virtual card card number, entity card card number, the first virtual card carrier unique identifier, mandate value data, the virtual card term of validity, trading limit data and encrypt data virtual card carrier unique identifier carry out the authorization data that digital signature obtains;
Described card reader is obtained the first virtual card carrier unique identifier by described authorization data, is authorized value data, the virtual card term of validity, trading limit data virtual card carrier unique identifier and encrypt data; Authorization key is adopted to be decrypted acquisition second virtual card carrier unique identifier to described virtual card carrier unique identifier encrypt data, when described second virtual card carrier unique identifier is identical with described first virtual card carrier unique identifier, confirm that described mandate is true; Judge that whether this payment be effective according to described mandate value data, described trading limit data, the described virtual card term of validity and the described entity card term of validity, when judged result pays effective for this time, carry out the payment of electronic cash data according to described virtual card card number and described entity card card number, and send payment data to described virtual card;
Receiving element 4023, for receiving the payment data that described card reader sends;
Updating block 4024, for the described payment Data Update balance data received according to described receiving element 4023.
Transaction record adding device 4025, for adding transaction record information, described transaction record information comprises exchange hour data, loco data and transaction value data.
Professional should recognize further, in conjunction with unit and the algorithm steps of each example of embodiment disclosed herein description, can realize with electronic hardware, computer software or the combination of the two, in order to the interchangeability of hardware and software is clearly described, generally describe composition and the step of each example in the above description according to function.These functions perform with hardware or software mode actually, depend on application-specific and the design constraint of technical scheme.Professional and technical personnel can use distinct methods to realize described function to each specifically should being used for, but this realization should not thought and exceeds scope of the present invention.
The software module that the method described in conjunction with embodiment disclosed herein or the step of algorithm can use hardware, processor to perform, or the combination of the two is implemented.Software module can be placed in the storage medium of other form any known in random access memory (RAM), internal memory, ROM (read-only memory) (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technical field.
Above-described embodiment; object of the present invention, technical scheme and beneficial effect are further described; be understood that; the foregoing is only the specific embodiment of the present invention; the protection domain be not intended to limit the present invention; within the spirit and principles in the present invention all, any amendment made, equivalent replacement, improvement etc., all should be included within protection scope of the present invention.
Claims (5)
1. an authorization processing method for electronic cash data, is characterized in that, described method comprises:
Virtual card and entity card set up communication channel;
By described communication channel, send authorized application information to described entity card, in described authorized application information, carry identifying code, the first virtual card carrier unique identifier, the virtual card term of validity and application quota data;
Described entity card carries out certification to described identifying code, if certification is by then this mandate is legal, and generating virtual card card number, generate according to described application quota data and authorize value data and trading limit data, utilize authorization key to described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity and described trading limit data are encrypted acquisition encrypt data, utilize described virtual card card number, entity card card number, described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity, described trading limit data and described encrypt data carry out the authorized data of digital signature, described authorization data is sent to described virtual card,
Receive the described authorization data that described entity card sends, and to described entity card sending entity card related data application information;
Receive the entity card related data return information that described entity card returns, described entity card related data return information comprises the entity card term of validity.
2. the method for claim 1, is characterized in that, described virtual card and entity card set up communication channel, specifically comprise: virtual card adopts near-field communication NFC mode or Blue-tooth communication method and entity card to set up communication channel.
3. a payment processing method for electronic cash data, is characterized in that, described method comprises:
Virtual card and card reader set up communication channel;
By described communication channel, send authorization data and the entity card term of validity to described card reader, described authorization data is that entity card utilizes virtual card card number, entity card card number, the first virtual card carrier unique identifier, mandate value data, the virtual card term of validity, trading limit data and encrypt data to carry out the authorization data that digital signature obtains;
Described card reader is obtained the first virtual card carrier unique identifier by described authorization data, is authorized value data, the virtual card term of validity, trading limit data and encrypt data; Adopt authorization key to be decrypted acquisition second virtual card carrier unique identifier to described encrypt data, when described second virtual card carrier unique identifier is identical with described first virtual card carrier unique identifier, confirm that described mandate is true; Judge that whether this payment be effective according to described mandate value data, described trading limit data, the described virtual card term of validity and the described entity card term of validity, when judged result pays effective for this time, carry out the payment of electronic cash data according to described virtual card card number and described entity card card number, and send payment data to described virtual card;
Receive the payment data that described card reader sends, according to described payment Data Update balance data, add transaction record information, described transaction record information comprises exchange hour data, loco data and transaction value data.
4. method as claimed in claim 3, it is characterized in that, described virtual card and card reader set up communication channel, specifically comprise: virtual card adopts near-field communication NFC mode or Blue-tooth communication method and card reader to set up communication channel.
5. a virtual card, is characterized in that, described virtual card comprises: electronic cash authorization module and electronic cash payment module;
Described electronic cash authorization module, comprising:
First passage sets up unit, for setting up communication channel with entity card;
Authorized application information transmitting unit, the communication channel set up for being set up unit by described first passage sends authorized application information to described entity card, carries identifying code, the first virtual card carrier unique identifier, the virtual card term of validity and application quota data in described authorized application information;
Authorization data receiving element, for receiving the authorization data that described entity card sends, described authorization data carries out certification to the identifying code that described authorized application information transmitting unit sends for described entity card, and it is legal by this mandate of rear confirmation in certification, generating virtual card card number, mandate value data and trading limit data are generated according to the application quota data that described authorized application information transmitting unit sends, utilize the first virtual card carrier unique identifier that authorization key sends described authorized application information transmitting unit, described mandate value data, the described virtual card term of validity and described trading limit data are encrypted and obtain virtual card carrier unique identifier encrypt data, utilize described virtual card card number, entity card card number, described first virtual card carrier unique identifier, described mandate value data, the described virtual card term of validity, described trading limit data and described encrypt data carry out the authorization data that digital signature obtains,
Entity card related data application information transmitting element, for described entity card sending entity card related data application information;
Entity card related data return information receiving element, for receiving the entity card related data return information that described entity card returns, described entity card related data return information comprises the entity card term of validity;
Described electronic cash payment module comprises:
Unit set up by second channel, for setting up communication channel with card reader;
Transmitting element, for being set up the communication channel that unit is set up by described second channel, send authorization data and the entity card term of validity to described card reader, described authorization data is that entity card utilizes virtual card carrier unique identifier virtual card card number, entity card card number, the first virtual card carrier unique identifier, mandate value data, the virtual card term of validity, trading limit data and encrypt data virtual card carrier unique identifier carry out the authorization data that digital signature obtains;
Described card reader is obtained the first virtual card carrier unique identifier by described authorization data, is authorized value data, the virtual card term of validity, trading limit data virtual card carrier unique identifier and encrypt data; Authorization key is adopted to be decrypted acquisition second virtual card carrier unique identifier to described virtual card carrier unique identifier encrypt data, when described second virtual card carrier unique identifier is identical with described first virtual card carrier unique identifier, confirm that described mandate is true; Judge that whether this payment be effective according to described mandate value data, described trading limit data, the described virtual card term of validity and the described entity card term of validity, when judged result pays effective for this time, carry out the payment of electronic cash data according to described virtual card card number and described entity card card number, and send payment data to described virtual card;
Receiving element, for receiving the payment data that described card reader sends;
Updating block, for the described payment Data Update balance data received according to described receiving element;
Transaction record adding device, for adding transaction record information, described transaction record information comprises exchange hour data, loco data and transaction value data.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
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| PCT/CN2014/089284 WO2016041235A1 (en) | 2014-09-17 | 2014-10-23 | Electronic cash data authorization method, payment method and virtual card |
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| CN112837054A (en) * | 2021-03-26 | 2021-05-25 | 中国工商银行股份有限公司 | Online payment method and device |
| CN113205642A (en) * | 2021-04-25 | 2021-08-03 | 多点(深圳)数字科技有限公司 | Anti-theft method based on entity prepaid card |
| CN113205642B (en) * | 2021-04-25 | 2023-04-14 | 多点(深圳)数字科技有限公司 | Anti-embezzlement method based on entity prepaid card |
| CN113766429A (en) * | 2021-09-09 | 2021-12-07 | 深圳市雪球科技有限公司 | Device positioning method, device, wallet and storage medium |
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Also Published As
| Publication number | Publication date |
|---|---|
| WO2016041235A1 (en) | 2016-03-24 |
| CN105427106B (en) | 2021-07-20 |
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