WO2013182067A1 - 一种脱机圈存方法和*** - Google Patents

一种脱机圈存方法和*** Download PDF

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Publication number
WO2013182067A1
WO2013182067A1 PCT/CN2013/076857 CN2013076857W WO2013182067A1 WO 2013182067 A1 WO2013182067 A1 WO 2013182067A1 CN 2013076857 W CN2013076857 W CN 2013076857W WO 2013182067 A1 WO2013182067 A1 WO 2013182067A1
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WO
WIPO (PCT)
Prior art keywords
terminal
electronic cash
cash card
offline
offline storage
Prior art date
Application number
PCT/CN2013/076857
Other languages
English (en)
French (fr)
Inventor
孟宏文
万高峰
郑建宾
Original Assignee
***股份有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by ***股份有限公司 filed Critical ***股份有限公司
Priority to EP13800526.9A priority Critical patent/EP2860710B1/en
Priority to US14/402,682 priority patent/US20150339660A1/en
Publication of WO2013182067A1 publication Critical patent/WO2013182067A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/349—Rechargeable cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4033—Local solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/127—Card verification in which both online and offline card verification can take place

Definitions

  • the present invention relates to electronic cash, and more particularly to an offline storage method and system suitable for electronic cash. Background technique
  • the e-cash card stores legal cash balances that can be used for offline consumption to meet the needs of certain industries (eg, public transport, rental, rail, subway, etc.) applications.
  • industries eg, public transport, rental, rail, subway, etc.
  • an electronic cash card (card) account does not have a sufficient amount (or amount), it needs to be recharged.
  • a method of recharging is the deposit, which refers to the partial deduction of the cardholder's account (ie, the credit card, for example, the credit card, debit card, etc. associated with the card), the amount deducted (or the amount)
  • the cache in the prior art must be performed online, that is, when the card is recharged at the refill terminal, the refill terminal must communicate with the card issuing bank of the credit card and debit card associated with the card as the cache account to verify the card and hold The authenticity of the card holder and the completion of the deposit.
  • On-line storage refills the card according to the recharge script returned by the issuing bank, and completes the fund synchronization of the cardholder's electronic cash account and the deposit account in real time. Summary of the invention
  • an offline cache method comprising the steps of:
  • the terminal updates the terminal cache amount by communicating with the background system, and the terminal saves the quota. Is the total amount of funds allowed to be stored offline.
  • the electronic cash card is updated with the electronic cash card account through communication with the terminal, wherein part of the amount of the terminal credit is allocated to the electronic cash card account.
  • the backend system causes the cache account associated with the electronic cash card account to be updated based on the offline cache information received from the terminal.
  • the terminal sends a terminal cache quota update request to the background system, where the terminal cache quota update request includes an ID of the security module set in the terminal, wherein the security module is used for storing the terminal cache
  • the quota system generates a terminal cache quota update command according to the terminal cache quota update request, the terminal receives the terminal cache quota update command, and updates the terminal cache quota stored in the security module according to the terminal cache quota update command.
  • step (B) the step (B)
  • step (a) when the balance of the electronic cash card account is lower than a predetermined value, the electronic cash card sends an offline cache request to the terminal.
  • an offline cache system includes an electronic cash card, a terminal, and a background system.
  • the terminal is configured to perform terminal cache credit update by communicating with a background system, and the terminal credit limit is allowed.
  • the total amount of funds for offline storage the electronic cash card is configured to perform electronic cash card account update by communicating with the terminal, wherein part of the amount of the terminal credit amount is allocated to the electronic cash card account, and the background system is configured to be based on the slave terminal.
  • the received offline cache information causes the cache account associated with the electronic cash card account to be updated.
  • the terminal is configured to send a terminal cache quota update request to the background system
  • the terminal The cache quota update request includes an ID of a security module set in the terminal, wherein the security module is configured to store the terminal cache quota, and the background system is configured to generate a terminal cache quota update command according to the terminal cache quota update request, where the terminal is And configured to receive the terminal cache quota update command, and update the terminal cache quota stored in the security module according to the terminal cache quota update command.
  • the electronic cash card is configured to send an offline cache request to the terminal, the terminal is configured to verify the electronic cash card according to the offline cache request, and the terminal is configured to return an offline cache confirmation response to the electronic cash card, the electronic The cash card is configured to verify the terminal in response to the offline cache confirmation, the terminal being configured to send an offline cache command to the electronic cash card, the electronic cash card being configured to update the electronic cash card account in accordance with the offline cache command.
  • the electronic cash card is configured to send an offline cache request to the terminal when the balance of the electronic cash card account is below a predetermined value.
  • the background system stores a quota update master key
  • the security module stores a quota update subkey
  • the background system updates the master key by using the quota and calculates the subkey based on the ID of the security module, and uses the calculation
  • the quota update subkey encryption terminal cache quota update command
  • the terminal uses the credit update subkey to decrypt the terminal cache credit update command.
  • the security module further stores an offline cache master key
  • the electronic cash card stores an offline cache subkey
  • the offline cache request includes a first offline cache authentication code
  • the first off The machine cache authentication code is generated by the electronic cash card based on the offline cache subkey and the first type of transaction data
  • the security module is further configured to calculate the offline cache based on the electronic cash card ID and the offline cache master key. a subkey, and using the calculated offline cache subkey and the first type of transaction data to generate a second offline cache authentication code, when the second offline cache authentication code and the first offline cache authentication When the codes are the same, the security module determines to verify that the electronic cash card has passed.
  • the offline cache confirmation response includes a first offline cache confirmation code
  • the first offline cache confirmation code is generated by the security module based on the calculated offline cache subkey and the second type transaction data
  • the electronic cash card is further configured to calculate a second offline cache confirmation code based on the offline cache subkey and the second type of transaction data, when the second offline cache confirmation code and the first offline cache confirmation code the same
  • the verification terminal passes.
  • Another object of the present invention is to disclose an electronic cash card configured to be capable of transmitting an offline cache request to a terminal, verifying the terminal according to an offline cache confirmation response returned from the terminal, and receiving the release from the terminal The machine saves the command and updates the electronic cash card account according to the offline save command.
  • the electronic cash card stores a minimum balance predetermined value
  • the electronic cash card is configured to send an offline cache request to the terminal when the balance of the electronic cash card account is lower than the minimum predetermined value of the balance.
  • an offline cache terminal includes a security module, and the security module is configured to store a terminal cache quota, and the terminal is configured to send a terminal cache credit update request to the background system, the terminal
  • the cache credit update request includes an ID of the security module, and the terminal is further configured to receive the terminal cache credit update command, and update the terminal cache quota stored in the security module according to the terminal cache credit update command.
  • the terminal is further configured to be capable of receiving an offline cache request from the electronic cash card, verifying the electronic cash card according to the offline cache request, and transmitting an offline cache command to the electronic cash card, the offline cache command Used to update and update an electronic cash card account.
  • FIG. 1 is a schematic diagram of an offline cache system in accordance with an embodiment of the present invention.
  • FIG. 2 is a flow chart of an offline cache method in accordance with an embodiment of the present invention.
  • FIG. 3 is a schematic diagram of information interaction of an offline cache method according to an embodiment of the present invention.
  • FIG. 4 is a schematic diagram of information interaction of an offline cache method according to an embodiment of the present invention.
  • FIG. 5 is a schematic diagram of information interaction of an offline cache method according to an embodiment of the present invention. detailed description
  • the system includes an electronic cash card, terminal and back office systems.
  • the terminal is configured to perform terminal credit update by communicating with the backend system.
  • the terminal credit limit is the total amount of funds allowed to be stored offline.
  • the electronic cash card is configured to perform an electronic cash card account update by communicating with the terminal, wherein a portion of the amount of the terminal credit amount is allocated to the electronic cash card account, where the electronic cash card for offline storage and the background system are The deposit account is pre-associated.
  • the electronic cash card can be cached only by communicating with the terminal without having to be connected to the issuing bank of the deposit account, which will be described in more detail later.
  • the backend system is configured to cause the cache account associated with the electronic cash card account to be updated based on the offline cache information received from the terminal.
  • step A the terminal performs terminal cache credit update by communicating with the background system; in step B, the electronic cash card performs electronic cash card account update by communicating with the terminal; The backend system causes the cache account associated with the electronic cash card account to be updated based on the offline cache information received from the terminal.
  • step A here is optional, because when the terminal's terminal credit limit is insufficient to recharge the electronic cash card request refill amount, the terminal may request to update the terminal cache quota; or, the terminal may also be arbitrarily The time actively requests the terminal to save the quota update, for example, after the last electronic cash card account update, or after the cache account is updated.
  • FIG. 4 is a schematic diagram of information interaction of an offline cache method according to an embodiment of the present invention.
  • Figure 4 shows the information interaction between the terminal and the backend system in step A.
  • the terminal sends a terminal cache quota update request to the background system, where the terminal cache quota update request includes an ID of the security module set in the terminal, where the security module is configured to store the terminal cache quota.
  • backstage The system generates a terminal cache quota update command according to the terminal cache quota update request.
  • the terminal receives the terminal cache credit update command, and updates the terminal cache quota stored in the security module according to the terminal cache credit update command.
  • the background system stores a quota update master key
  • the security module stores a quota update subkey
  • the background system updates the master key by using the quota and calculates the subkey based on the ID of the security module, and utilizes The calculated credit update subkey encryption terminal cache quota update command, and the terminal decrypts the terminal cache credit update command by using the credit update subkey.
  • the background system may calculate the subkey by using a predetermined algorithm to calculate the credit based on the terminal number TID, the merchant number MID, and the ID of the security module.
  • FIG. 5 is a schematic diagram of information interaction of an offline cache method according to an embodiment of the present invention.
  • Figure 5 shows the information exchange between the electronic cash card and the terminal in step B.
  • step a an offline deposit request is sent to the terminal by the electronic cash card.
  • step b the terminal verifies the electronic cash card based on the offline cache request.
  • step c the terminal returns an offline cache confirmation response to the electronic cash card.
  • step d the electronic cash card verifies the terminal according to the offline cache confirmation response.
  • the terminal sends an offline cache command to the electronic cash card.
  • the e-cash card updates the e-cash card account according to the offline cache command.
  • the security module further stores an offline cache master key
  • the electronic cash card stores an offline cache subkey
  • the offline cache request includes a first offline cache authentication code
  • the first An offline cache authentication code is generated by the electronic cash card based on the offline cache subkey and the first type of transaction data
  • the security module is further configured to calculate offline based on the electronic cash card ID and the offline cache master key Storing a subkey, and generating a second offline cache authentication code by using the calculated offline cache subkey and the first type of transaction data, when the second offline cache authentication code is first offline
  • the security module determines to verify that the electronic cash card passes.
  • the card can calculate the process key of the offline cache subkey, and organize the transaction element as the generation data of the first offline cache authentication code, that is, the first type of transaction data.
  • the transaction element can include an offline cache count.
  • the card can store an offline buffer counter for calculating the offline cache count.
  • the card can then use the process key and the data of the above organization to generate the first algorithm according to the agreed algorithm.
  • An offline authentication code is stored.
  • the terminal verifies the first offline cache authentication code from the card.
  • the terminal may calculate an offline cache subkey corresponding to the current card according to the card ID, and then calculate a process key of the card according to the calculated offline cache subkey.
  • the terminal recalculates the second offline cache authentication code of the card by using the process key and the first type of transaction data.
  • the terminal verifies the card by comparing whether the first offline cache authentication code of the card and the second offline cache authentication code are the same.
  • electronic cash cards can also be verified in other ways.
  • the offline cache confirmation response includes a first offline cache confirmation code
  • the first offline cache confirmation code is calculated by the security module based on the calculated offline cache subkey and the second type of transaction data Generating
  • the electronic cash card is further configured to calculate a second offline cache confirmation code based on the offline cache subkey and the second type of transaction data, when the second offline cache confirmation code is first offline
  • the electronic cash card judgment verification terminal passes.
  • the terminal uses the process key of the card calculated according to the calculated offline cache subkey and the second type of transaction data not used for the first type of transaction data (eg, deposit amount, transaction date, etc.) according to the agreement
  • the algorithm calculates the first offline cache confirmation code.
  • the card organizes the second type of transaction data, and calculates a second offline cache confirmation code using the process key corresponding to the offline cache subkey and the second type of transaction data, and compares the second offline ⁇
  • the verification confirmation code is the same as the first offline storage confirmation code to verify the terminal.
  • the terminal can be verified in other ways.
  • the security module provided at the terminal may be a SAM card.
  • the credit update subkey and offline cache subkey assigned by the backend system can be stored in the SAM card. Thereby, the verification of the card is completed by the SAM card.
  • the backend system causes the cache account associated with the electronic cash card account to be updated based on the offline cache information received from the terminal.
  • the offline cache information may include an offline cache detail, and a transaction authentication code or a card issuer authentication code.
  • the transaction authentication code or the issuing bank authentication code is obtained by card calculation, the transaction authentication code is used for confirmation by the background system, and the issuing bank authentication code is used for confirmation by the issuing bank.
  • the terminal can be specified by the background system
  • the time to send offline cache information, and the backend system can communicate with the issuer based on the offline cache information such that the cache account associated with the electronic cash card account is updated.
  • the back-end system can transfer the credit amount to the merchant account associated with the terminal from the inventory account associated with the electronic cash card account at the appropriate time.
  • An electronic cash card configured to be capable of transmitting an offline cache request to a terminal, verifying the terminal according to an offline cache confirmation response returned from the terminal, and receiving an offline cache command from the terminal And update the electronic cash card account according to the offline save command.
  • the electronic cash card stores a predetermined value
  • the electronic cash card is configured to send an offline cache request to the terminal when the balance of the electronic cash card account is below a predetermined value.
  • An offline storage terminal is disclosed according to an embodiment of the present invention.
  • the terminal includes a security module, and the security module is configured to store a terminal cache quota.
  • the terminal is configured to send a terminal cache quota update request to the background system, where the terminal caches
  • the credit update request includes an ID of the security module, and the terminal is further configured to receive the terminal cache credit update command, and update the terminal cache quota stored in the security module according to the terminal cache credit update command.
  • the terminal is further configured to be capable of receiving an offline cache request from the electronic cash card, verifying the electronic cash card based on the offline cache request, and transmitting an offline cache command to the electronic cash card, the offline ⁇ The save command is used to update the updated electronic cash card account.

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Abstract

本发明公开一种脱机圏存方法和***。该脱机圏存方法包括以下步骤：（A）终端通过与后台***通信进行终端圏存额度更新，所述终端圏存额度是允许进行脱机圏存的资金总额，（B）电子现金卡通过与所述终端通信进行电子现金卡账户更新，其中所述终端圏存额度的部分金额被划分给所述电子现金卡账户，（C）所述后台***根据从所述终端接收的脱机圏存信息使得与所述电子现金卡账户关联的圏存账户被更新。

Description

一种脱机圈存方法和***
优先权要求
本申请要求了 2012年 6月 6 日提交的、 申请号为 201210183592.6、 发 明名称为 "一种脱机圏存方法和***" 的中国专利申请的优先权， 其全部内 容通过引用结合在本申请中。 技术领域
本发明涉及电子现金， 并且尤其涉及一种适用于电子现金的脱机圏存方 法和***。 背景技术
电子现金卡上存储有合法的可用于脱机消费的现金余额， 能够满足某些 行业（例如， 公交、 出租、 铁路、 地铁等）应用的需要。 当电子现金卡（筒 称卡片）账户没有足够的金额 （或额度） 时， 需要对其进行充值。
一种充值方法是圏存， 圏存是指将持卡人的账户 （即圏存账户， 例如， 与卡片关联的***、借记卡等）上的部分资金扣除， 扣除的金额（或额度） 被储存在卡片上的过程。 然而， 现有技术中的圏存必须联机进行， 即， 卡片 在充值终端进行充值时， 充值终端必须和作为圏存账户的与卡片关联的信用 卡、 借记卡的发卡行通信来验证卡片、 持卡人的真实性并完成圏存。 联机圏 存根据发卡行返回的充值脚本完成对卡片充值， 并且实时完成持卡人电子现 金账户和圏存账户的资金同步。 发明内容
根据本发明的一个目的公开一种脱机圏存方法， 包括以下步骤：
( A )终端通过与后台***通信进行终端圏存额度更新， 终端圏存额度 是允许进行脱机圏存的资金总额，
(B) 电子现金卡通过与终端通信进行电子现金卡账户更新， 其中终端 圏存额度的部分金额被划分给电子现金卡账户，
( C )后台***根据从终端接收的脱机圏存信息使得与电子现金卡账户 关联的圏存账户被更新。
优选地， 在步骤（A)中， 终端向后台***发送终端圏存额度更新请求， 该终端圏存额度更新请求包括设置在终端中的安全模块的 ID, 其中， 安全 模块用于存储终端圏存额度，后台***根据终端圏存额度更新请求生成终端 圏存额度更新命令， 终端接收终端圏存额度更新命令， 并且根据该终端圏存 额度更新命令更新存储在安全模块中的终端圏存额度。
优选地， 在步骤（B) 中，
(a) 由电子现金卡向终端发送脱机圏存请求，
(b)终端根据脱机圏存请求验证电子现金卡，
(c)终端向电子现金卡返回脱机圏存确认响应，
(d) 电子现金卡根据脱机圏存确认响应验证终端，
(e)终端发送脱机圏存命令到电子现金卡，
(f) 电子现金卡根据脱机圏存命令更新电子现金卡账户。
优选地， 在步骤（a) 中， 当电子现金卡账户的余额低于预定值时， 电 子现金卡向终端发送脱机圏存请求。
根据本发明的另一个目的公开一种脱机圏存***， 该***包括电子现金 卡、 终端和后台***， 终端被配置成通过与后台***通信进行终端圏存额度 更新， 终端圏存额度是允许进行脱机圏存的资金总额， 电子现金卡被配置成 通过与终端通信进行电子现金卡账户更新， 其中终端圏存额度的部分金额被 划分给电子现金卡账户，后台***被配置成根据从终端接收的脱机圏存信息 使得与电子现金卡账户关联的圏存账户被更新。
优选地， 终端被配置成向后台***发送终端圏存额度更新请求， 该终端 圏存额度更新请求包括设置在终端中的安全模块的 ID, 其中， 安全模块用 于存储终端圏存额度，后台***被配置成根据终端圏存额度更新请求生成终 端圏存额度更新命令， 终端被配置成接收终端圏存额度更新命令， 并且根据 该终端圏存额度更新命令更新存储在安全模块中的终端圏存额度。
优选地， 电子现金卡被配置成向终端发送脱机圏存请求， 终端被配置成 根据脱机圏存请求验证电子现金卡，终端被配置成向电子现金卡返回脱机圏 存确认响应， 电子现金卡被配置成根据脱机圏存确认响应验证终端， 终端被 配置成发送脱机圏存命令到电子现金卡， 电子现金卡被配置成根据脱机圏存 命令更新电子现金卡账户。
优选地， 电子现金卡被配置成当电子现金卡账户的余额低于预定值时向 终端发送脱机圏存请求。
优选地， 后台***存储有额度更新主密钥， 安全模块存储有额度更新子 密钥， 其中， 后台***利用额度更新主密钥并且基于安全模块的 ID计算额 度更新子密钥， 并且利用该计算的额度更新子密钥加密终端圏存额度更新命 令， 终端利用额度更新子密钥解密终端圏存额度更新命令。
优选地， 安全模块还存储有脱机圏存主密钥， 电子现金卡存储有脱机圏 存子密钥， 其中， 脱机圏存请求包括第一脱机圏存认证码， 该第一脱机圏存 认证码由电子现金卡基于脱机圏存子密钥和第一类交易数据生成， 以及安全 模块进一步被配置成根据电子现金卡 ID和脱机圏存主密钥计算脱机圏存子 密钥， 并且利用该计算的脱机圏存子密钥和第一类交易数据生成第二脱机圏 存认证码， 当该第二脱机圏存认证码与第一脱机圏存认证码相同时， 安全模 块判定验证电子现金卡通过。
优选地， 脱机圏存确认响应包括第一脱机圏存确认码， 该第一脱机圏存 确认码由安全模块基于计算的脱机圏存子密钥和第二类交易数据生成， 以及 电子现金卡进一步被配置成基于脱机圏存子密钥和第二类交易数据计算第 二脱机圏存确认码， 当该第二脱机圏存确认码与第一脱机圏存确认码相同 时， 电子现金卡判定验证终端通过。
根据本发明的另一个目的公开一种电子现金卡， 电子现金卡被配置成能 够向终端发送脱机圏存请求， 根据从终端返回的脱机圏存确认响应验证终 端， 以及接收来自终端的脱机圏存命令， 并且根据脱机圏存命令更新电子现 金卡账户。
优选地， 电子现金卡存储有余额最低预定值， 电子现金卡被配置成当电 子现金卡账户的余额低于该余额最低预定值时向终端发送脱机圏存请求。
根据本发明的另一个目的公开一种脱机圏存终端， 终端包括安全模块， 安全模块用于存储终端圏存额度， 该终端被配置成能够向后台***发送终端 圏存额度更新请求， 该终端圏存额度更新请求包括安全模块的 ID, 终端进 一步被配置成接收终端圏存额度更新命令， 并且根据该终端圏存额度更新命 令更新存储在安全模块中的终端圏存额度。
优选地， 终端进一步被配置成能够从电子现金卡接收脱机圏存请求， 根 据该脱机圏存请求验证电子现金卡， 以及向电子现金卡发送脱机圏存命令， 该脱机圏存命令用于更新更新电子现金卡账户。 附图说明
在参照附图阅读了本发明的具体实施方式以后， 本领域技术人员将会更 清楚地了解本发明的各个方面。 本领域技术人员应当理解的是， 这些附图仅 仅用于配合具体实施方式说明本发明的技术方案， 而并非意在对本发明的保 护范围构成限制。
图 1是根据本发明实施例的脱机圏存***的示意图。
图 2是根据本发明实施例的脱机圏存方法的流程图。
图 3是根据本发明实施例的脱机圏存方法的信息交互示意图。
图 4是根据本发明实施例的脱机圏存方法的信息交互示意图。
图 5是根据本发明实施例的脱机圏存方法的信息交互示意图。 具体实施方式
下面参照附图， 对本发明的具体实施方式作进一步的详细描述。
图 1是根据本发明实施例的脱机圏存***的示意图。 如图所示， 该*** 包括电子现金卡、 终端和后台***。 终端被配置成通过与后台***通信进行 终端圏存额度更新。 这里， 终端圏存额度是允许进行脱机圏存的资金总额。 电子现金卡被配置成通过与终端通信进行电子现金卡账户更新，其中终端圏 存额度的部分金额被划分给电子现金卡账户， 这里， 用于脱机圏存的电子现 金卡与后台***中的圏存账户预先关联。 根据本发明的实施例， 电子现金卡 仅仅通过与终端通信就能进行圏存， 而无需与圏存账户的发卡行联机， 后文 将对此进行更详细的描述。后台***被配置成根据从终端接收的脱机圏存信 息使得与电子现金卡账户关联的圏存账户被更新。
图 2是根据本发明实施例的脱机圏存方法的流程图。 这里将结合图 3-5 所示的信息交互示意图， 说明根据本发明实施例的脱机圏存方法。 如图 2和 图 3所示， 在步骤 A中， 终端通过与后台***通信进行终端圏存额度更新； 在步骤 B中， 电子现金卡通过与终端通信进行电子现金卡账户更新； 在步骤 C中， 后台***根据从终端接收的脱机圏存信息使得与电子现金卡账户关联 的圏存账户被更新。 可以理解的是， 这里的步骤 A是可选的， 因为当终端的 终端圏存额度不足以充值电子现金卡请求的充值额度时， 终端会请求更新终 端圏存额度； 或者， 终端也可以在任意的时间主动请求终端圏存额度更新， 例如可以在上一次的电子现金卡账户更新之后， 或者在圏存账户被更新之 后。
图 4是根据本发明实施例的脱机圏存方法的信息交互示意图。 图 4所示 是在步骤 A中的终端与后台***的信息交互示意。其中， 首先由终端向后台 ***发送终端圏存额度更新请求， 该终端圏存额度更新请求包括设置在终端 中的安全模块的 ID, 其中， 安全模块用于存储终端圏存额度。 然后， 后台 ***根据终端圏存额度更新请求生成终端圏存额度更新命令。 然后， 终端接 收终端圏存额度更新命令， 并且根据该终端圏存额度更新命令更新存储在安 全模块中的终端圏存额度。在一个示例中，后台***存储有额度更新主密钥， 安全模块存储有额度更新子密钥， 其中， 后台***利用额度更新主密钥并且 基于安全模块的 ID计算额度更新子密钥， 并且利用该计算的额度更新子密 钥加密终端圏存额度更新命令， 终端利用额度更新子密钥解密终端圏存额度 更新命令。 例如， 后台***可以根据终端号 TID、 商户号 MID 以及安全模 块的 ID, 利用预定的算法计算额度更新子密钥。
图 5是根据本发明实施例的脱机圏存方法的信息交互示意图。 图 5所示 是在步骤 B中的电子现金卡与终端的信息交互示意。 在步骤 a中， 由电子现 金卡向终端发送脱机圏存请求。 在步骤 b中， 终端根据脱机圏存请求验证电 子现金卡。 在步骤 c中， 终端向电子现金卡返回脱机圏存确认响应。 在步骤 d中， 电子现金卡根据脱机圏存确认响应验证终端。 在步骤 e中， 终端发送 脱机圏存命令到电子现金卡。 在步骤 f †， 电子现金卡根据脱机圏存命令更 新电子现金卡账户。
在一个示例中， 安全模块还存储有脱机圏存主密钥， 电子现金卡存储有 脱机圏存子密钥， 其中， 脱机圏存请求包括第一脱机圏存认证码， 该第一脱 机圏存认证码由电子现金卡基于脱机圏存子密钥和第一类交易数据生成， 以 及安全模块进一步被配置成根据电子现金卡 ID和脱机圏存主密钥计算脱机 圏存子密钥， 并且利用该计算的脱机圏存子密钥和第一类交易数据生成第二 脱机圏存认证码， 当该第二脱机圏存认证码与第一脱机圏存认证码相同时， 安全模块判定验证电子现金卡通过。
例如， 卡片可以计算脱机圏存子密钥的过程密钥， 并且组织交易元素作 为第一脱机圏存认证码的产生数据， 即， 第一类交易数据。 该交易元素可以 包括脱机圏存计数。 这里， 卡片可以存储脱机圏存计数器用来计算脱机圏存 计数。 然后卡片可以使用过程密钥和上述组织的数据按照约定的算法产生第 一脱机圏存认证码。 另一方面， 终端验证来自卡片的第一脱机圏存认证码。 终端可以根据卡片 ID计算出当前卡片对应的脱机圏存子密钥， 然后根据该 计算的脱机圏存子密钥计算卡片的过程密钥。终端通过使用该过程密钥和第 一类交易数据重新计算卡片的第二脱机圏存认证码。 终端通过比较卡片的 第一脱机圏存认证码和第二脱机圏存认证码是否相同来验证卡片。本领域的 技术人员可以理解的是， 还可以采用其它方式验证电子现金卡。
在另一个示例中， 脱机圏存确认响应包括第一脱机圏存确认码， 该第一 脱机圏存确认码由安全模块基于计算的脱机圏存子密钥和第二类交易数据 生成， 以及电子现金卡进一步被配置成基于脱机圏存子密钥和第二类交易数 据计算第二脱机圏存确认码， 当该第二脱机圏存确认码与第一脱机圏存确认 码相同时， 电子现金卡判定验证终端通过。
例如， 终端使用根据该计算的脱机圏存子密钥计算的卡片的过程密钥和 不用于第一类交易数据的第二类交易数据 （例如， 圏存金额、 交易日期等） 按照约定的算法计算第一脱机圏存确认码。 另一方面， 卡片组织第二类交易 数据， 并且使用对应于脱机圏存子密钥的过程密钥和第二类交易数据计算第 二脱机圏存确认码， 以及比较第二脱机圏存确认码与第一脱机圏存确认码是 否相同来验证终端。 本领域的技术人员可以理解的是， 还可以采用其它方式 验证终端。
在上述实施例中， 设置在终端的安全模块可以是 SAM卡。 由后台*** 分配的额度更新子密钥和脱机圏存子密钥可以被存储在 SAM卡中。 由此， 由 SAM卡完成卡片的验证。
在一个实施例中， 在步骤（C ) 中， 后台***根据从终端接收的脱机圏 存信息使得与电子现金卡账户关联的圏存账户被更新。 这里， 脱机圏存信息 可以包括脱机圏存明细， 以及交易认证码或者发卡行认证码。 其中， 交易认 证码或者发卡行认证码通过卡片计算得到， 交易认证码用于供后台***进行 确认以及发卡行认证码用于供发卡行进行确认。终端可以在由后台***指定 的时间发送脱机圏存信息， 以及后台***可以根据该脱机圏存信息与发卡行 通信使得与电子现金卡账户关联的圏存账户被更新。后台***可以在适当的 时间从与电子现金卡账户关联的圏存账户内将圏存金额划转到终端所关联 的商户账户。
根据本发明实施例公开一种电子现金卡， 其被配置成能够向终端发送脱 机圏存请求， 根据从终端返回的脱机圏存确认响应验证终端， 以及接收来自 终端的脱机圏存命令， 并且根据脱机圏存命令更新电子现金卡账户。 在一个 示例中， 电子现金卡存储有预定值， 电子现金卡被配置成当电子现金卡账户 的余额低于预定值时向终端发送脱机圏存请求。
根据本发明实施例公开一种脱机圏存终端， 终端包括安全模块， 安全模 块用于存储终端圏存额度， 该终端被配置成能够向后台***发送终端圏存额 度更新请求， 该终端圏存额度更新请求包括安全模块的 ID, 终端进一步被 配置成接收终端圏存额度更新命令， 并且根据该终端圏存额度更新命令更新 存储在安全模块中的终端圏存额度。 在一个示例中， 终端进一步被配置成能 够从电子现金卡接收脱机圏存请求， 根据该脱机圏存请求验证电子现金卡， 以及向电子现金卡发送脱机圏存命令， 该脱机圏存命令用于更新更新电子现 金卡账户。
通过以上实施方式的描述， 本领域中的普通技术人员能够理解， 在不偏 离本发明的精神和范围的情况下， 还可以对本发明的具体实施方式作各种变 更和替换。 这些变更和替换都落在本发明权利要求书所限定的范围内。

Claims

权 利 要 求
1. 一种脱机圏存方法， 其特征在于， 包括以下步骤：
( A )终端通过与后台***通信进行终端圏存额度更新， 所述终端圏存 额度是允许进行脱机圏存的资金总额， 所述终端圏存额度的部分金额被划分给所述电子现金卡账户，
( C )所述后台***根据从所述终端接收的脱机圏存信息使得与所述电 子现金卡账户关联的圏存账户被更新。
2. 如权利要求 1所述的方法， 其特征在于， 在步骤（A ) 中， 所述终端向所述后台***发送终端圏存额度更新请求， 该终端圏存额度 更新请求包括设置在终端中的安全模块的 ID, 其中， 所述安全模块用于存 储终端圏存额度，
所述后台***根据所述终端圏存额度更新请求生成终端圏存额度更新 命令，
所述终端接收所述终端圏存额度更新命令， 并且根据该终端圏存额度更 新命令更新存储在所述安全模块中的终端圏存额度。
3. 如权利要求 2所述的方法， 其特征在于， 在步骤（B ) 中，
( a ) 由所述电子现金卡向所述终端发送脱机圏存请求，
( b )所述终端根据所述脱机圏存请求验证所述电子现金卡，
( c )所述终端向所述电子现金卡返回脱机圏存确认响应，
( d )所述电子现金卡根据所述脱机圏存确认响应验证所述终端， ( e )所述终端发送脱机圏存命令到所述电子现金卡， ( f )所述电子现金卡根据所述脱机圏存命令更新电子现金卡账户。
4. 如权利要求 3所述的方法， 其特征在于， 在步骤（a ) 中，
当所述电子现金卡账户的余额低于预定值时，所述电子现金卡向所述终 端发送脱机圏存请求。
5. 一种脱机圏存***， 该***包括电子现金卡、 终端和后台***， 其 特征在于，
所述终端被配置成通过与后台***通信进行终端圏存额度更新， 所述终 端圏存额度是允许进行脱机圏存的资金总额， 新， 其中所述终端圏存额度的部分金额被划分给所述电子现金卡账户， 所述后台***被配置成根据从所述终端接收的脱机圏存信息使得与所 述电子现金卡账户关联的圏存账户被更新。
6. 如权利要求 5所述的***， 其特征在于，
所述终端被配置成向所述后台***发送终端圏存额度更新请求， 该终端 圏存额度更新请求包括设置在终端中的安全模块的 ID, 其中， 所述安全模 块用于存储终端圏存额度，
所述后台***被配置成根据所述终端圏存额度更新请求生成终端圏存 额度更新命令，
所述终端被配置成接收所述终端圏存额度更新命令， 并且根据该终端圏 存额度更新命令更新存储在所述安全模块中的终端圏存额度。
7. 如权利要求 6所述的***， 其特征在于，
所述电子现金卡被配置成向所述终端发送脱机圏存请求, 所述终端被配置成根据所述脱机圏存请求验证所述电子现金卡， 所述终端被配置成向所述电子现金卡返回脱机圏存确认响应， 所述电子现金卡被配置成根据所述脱机圏存确认响应验证所述终端， 所述终端被配置成发送脱机圏存命令到所述电子现金卡，
所述电子现金卡被配置成根据所述脱机圏存命令更新电子现金卡账户。
8. 如权利要求 6所述的***， 其特征在于，
所述电子现金卡被配置成当所述电子现金卡账户的余额低于预定值时 向所述终端发送脱机圏存请求。
9. 如权利要求 8所述的***， 其特征在于，
所述后台***存储有额度更新主密钥，
所述安全模块存储有额度更新子密钥，
其中， 所述后台***利用额度更新主密钥并且基于所述安全模块的 ID 计算额度更新子密钥， 并且利用该计算的额度更新子密钥加密所述终端圏存 额度更新命令，
所述终端利用额度更新子密钥解密所述终端圏存额度更新命令。
10. 如权利要求 9所述的***， 其特征在于，
所述安全模块还存储有脱机圏存主密钥，
所述电子现金卡存储有脱机圏存子密钥，
其中， 所述脱机圏存请求包括第一脱机圏存认证码， 该第一脱机圏存认 证码由所述电子现金卡基于脱机圏存子密钥和第一类交易数据生成， 以及 所述安全模块进一步被配置成根据所述电子现金卡 ID和所述脱机圏存 主密钥计算脱机圏存子密钥， 并且利用该计算的脱机圏存子密钥和第一类交 易数据生成第二脱机圏存认证码， 当该第二脱机圏存认证码与第一脱机圏存 认证码相同时， 所述安全模块判定验证所述电子现金卡通过。
11. 如权利要求 10所述的***， 其特征在于，
所述脱机圏存确认响应包括第一脱机圏存确认码， 该第一脱机圏存确认 码由所述安全模块基于计算的脱机圏存子密钥和第二类交易数据生成， 以及 所述电子现金卡进一步被配置成基于脱机圏存子密钥和第二类交易数 据计算第二脱机圏存确认码， 当该第二脱机圏存确认码与所述第一脱机圏存 确认码相同时， 所述电子现金卡判定验证所述终端通过。
12. 一种电子现金卡， 其特征在于，
所述电子现金卡被配置成能够向终端发送脱机圏存请求，根据从所述终 端返回的脱机圏存确认响应验证所述终端， 以及接收来自所述终端的脱机圏 存命令， 并且根据所述脱机圏存命令更新电子现金卡账户。
13. 如权利要求 12所述的电子现金卡， 其特征在于，
所述电子现金卡存储有余额最低预定值， 所述电子现金卡被配置成当所 述电子现金卡账户的余额低于该余额最低预定值时向所述终端发送脱机圏 存请求。
14. 一种脱机圏存终端， 其特征在于，
所述终端包括安全模块， 所述安全模块用于存储终端圏存额度， 该终端被配置成能够向所述后台***发送终端圏存额度更新请求， 该终 端圏存额度更新请求包括安全模块的 ID,
所述终端进一步被配置成接收所述终端圏存额度更新命令， 并且根据该 终端圏存额度更新命令更新存储在所述安全模块中的终端圏存额度。
15. 如权利要求 14所述的终端， 其特征在于，
所述终端进一步被配置成能够从电子现金卡接收脱机圏存请求，根据该 脱机圏存请求验证电子现金卡， 以及向所述电子现金卡发送脱机圏存命令， 该脱机圏存命令用于更新更新电子现金卡账户。
PCT/CN2013/076857 2012-06-06 2013-06-06 一种脱机圈存方法和*** WO2013182067A1 (zh)

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