WO2015070730A1 - 一种ic卡电子现金脱机圈存方法以及*** - Google Patents

一种ic卡电子现金脱机圈存方法以及*** Download PDF

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Publication number
WO2015070730A1
WO2015070730A1 PCT/CN2014/090551 CN2014090551W WO2015070730A1 WO 2015070730 A1 WO2015070730 A1 WO 2015070730A1 CN 2014090551 W CN2014090551 W CN 2014090551W WO 2015070730 A1 WO2015070730 A1 WO 2015070730A1
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Prior art keywords
electronic cash
amount
storage
pos terminal
module
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PCT/CN2014/090551
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English (en)
French (fr)
Inventor
陈成钱
周钰
郭伟
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***股份有限公司
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Application filed by ***股份有限公司 filed Critical ***股份有限公司
Priority to EP14861461.3A priority Critical patent/EP3070693A4/en
Priority to US15/033,245 priority patent/US20160300210A1/en
Publication of WO2015070730A1 publication Critical patent/WO2015070730A1/zh

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    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • 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
    • 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
    • G06Q20/30—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
    • 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

Definitions

  • the invention relates to a data processing system and a data processing method for data processing of financial data, in particular to an IC card electronic cash offline storage system and an IC card electronic cash offline storage method.
  • the existing electronic cash Since the existing electronic cash is used for offline consumption, it does not need to perform password verification during the card swiping process. If it is lost, it is equivalent to directly losing cash. Therefore, in the process of use, the user has a lower amount of electronic storage. The amount of cash, when the amount is used up, you need to re-enter the electronic cash deposit online.
  • the present invention is directed to an IC card electronic cash offline storage system and an IC card electronic cash offline storage method capable of realizing off-line storage of electronic cash of an IC card.
  • An IC card electronic cash offline storage system of the present invention comprising: an IC card, a POS terminal, and a bank back-end system,
  • the IC card has:
  • Storing an application module including a refill module and a first interaction module, wherein the refill module is configured to perform data interaction with the electronic cash and complete a deposit of electronic cash, the first interaction module being used for The POS terminal performs data interaction and is used to transfer the inventory amount data to the refill module.
  • the POS terminal is provided with a storage device, wherein the storage device includes:
  • a second interaction module configured to perform data interaction with the storage application module
  • a reloading module configured to transfer the amount of the deposit amount data sent from the storage application module to the bank backend system
  • the bank backend system is configured to perform deduction of the electronic cash refill amount of the account and confirmation of the deposit amount based on the deposit amount data transmitted from the recharge issuing module.
  • the second interaction module is further configured to implement the provision of the password box and the setting of the effective time of the application.
  • the bank backend system is further configured to implement provisioning of the effective time of the inventory application.
  • the electronic cash is connected to the first interaction module
  • the recharge module is connected to the first interaction module
  • the second interaction module is connected to the recharge application module
  • the recharge module is connected. Connected to the bank backend system.
  • the IC card electronic cash offline storage method of the present invention is a method implemented by using a storage application module installed in an IC card, a storage device of a POS terminal, and a bank back-end system, including the following steps:
  • the storage amount locking step starts a request for determining the amount of the deposit for the electronic cash refill from the storage application module, and the user inputs the amount of the deposit, and then the storage application module sends the deposit amount to the storage device through the storage device of the POS terminal to
  • the bank back-office system after the bank back-office system confirms and stores the deposit amount and the storage time, sends the deposit amount and the storage time to the storage application module through the storage device of the POS terminal;
  • the user initiates an electronic cash refill amount and an application valid time for charging the electronic cash for each time from the storage device of the POS terminal, and sets the electronic cash refill amount and The effective time of the storage application is stored in the storage application module;
  • the application module automatically initiates electronic cash refilling to the storage device of the POS terminal to recharge the electronic cash according to the electronic cash refill amount. And storing the recharge information including the electronic cash refill amount in the POS terminal;
  • the refill information is sent from the POS terminal to the bank backend system, and the bank backend system deducts the electronic cash refill amount from the deposit amount already stored by the bank backend system according to the recharge information.
  • the deposit amount locking step comprises the following sub-steps:
  • a request for determining the amount of the deposit for refilling the electronic cash is initiated from the inventory application module
  • the storage device of the POS terminal After the user inputs the amount of the deposit in the POS terminal, the storage device of the POS terminal returns the amount of the deposit to the inventory.
  • the storage application module generates the deposit amount authorization information according to the deposit amount to be sent to the storage device of the POS terminal;
  • the storage device of the POS terminal sends the deposit amount authorization information to the bank back-end system
  • the bank back-end system confirms that the balance of the user account is sufficient, and the amount of the deposit is locked in the user account for the application, and the deposit amount confirmation information is generated and sent to the POS terminal's inventory device;
  • the storage device of the POS terminal sends the deposit amount confirmation information to the storage application module.
  • the IC card key encryption is used in the information interaction between the storage device of the POS terminal and the bank backend system.
  • the inventory application setting step comprises the following sub-steps:
  • the user inputs the electronic cash refill amount and the effective time of the storage application through the storage device of the POS terminal;
  • the storage device of the POS terminal sends the electronic cash refill amount and the inventory application effective time to the storage application module;
  • the inventory application module sets the electronic cash refill amount and the effective time of the deposit application according to the electronic cash refill amount and the effective time of the deposit application.
  • the electronic cash refilling step comprises the following sub-steps:
  • the storage application module requests time from the storage device of the POS terminal
  • the storage device of the POS terminal returns the time to the storage application module
  • the circle storage application module determines whether the interval between the current recharge time and the last recharge time is in the set effective time content of the circled application, and if the valid period is exceeded, the subsequent recharge is rejected, and if it is within the valid period, the circle is updated.
  • the last recharge time in the application module is the time returned from the storage device of the POS terminal; the storage application module sends a request password box input command to the storage device of the POS terminal;
  • the storage device of the POS terminal inputs a command according to the sent request password box, and displays a password input box on the terminal in the POS so that the user inputs the password through the password input box;
  • the storage device of the POS terminal encapsulates the input storage password into a password return information and returns to the storage application module;
  • the storage application module obtains a storage password according to the password return information, and compares the stored password with a preset password preset in the storage application module, and only according to the electronic cash if the comparison is successful Recharge the amount to electronic cash;
  • the storage application module generates recharge information according to the electronic cash recharge amount and sends the recharge information to the storage device of the POS terminal;
  • the inventory device of the POS terminal stores the refill information and prompts the user to complete the electronic cash refill.
  • the inventory application module encrypts the electronic cash refill amount by using an IC card key to generate recharge information.
  • the step of deducting the amount comprises the following sub-steps:
  • the bank back-office system parses the recharge information and obtains an electronic cash refill amount therein;
  • the bank back office system deducts the electronic cash refill amount from the stored amount of the deposit.
  • the electronic cash can be offline by setting the application module in the IC card and setting the storage device at the POS terminal. It can increase the convenience of users using e-cash and improve the user experience of e-cash. Further, when the electronic cash is stored by using the storage application module provided in the IC card and the storage device provided in the POS terminal, by setting the password protection and setting the total amount of the deposit, even in the case of losing the IC card. The user does not need to worry about the amount of the application being maliciously used, and the account will not be lost, which improves the security of the account.
  • FIG. 1 is a schematic structural view of an IC card electronic cash offline storage system of the present invention.
  • Fig. 2 is a specific flow chart showing the procedure for locking the amount of deposits of the present invention.
  • 3 and 4 are specific flowcharts showing the steps of setting the storage application of the present invention.
  • FIG. 5 is a detailed flow chart showing the electronic cash refilling step of the present invention.
  • Fig. 6 is a specific flow chart showing the steps of deducting money of the present invention.
  • Figure 7 is a detailed flow chart showing the procedure for resetting the validity period of the inventory application of the present invention.
  • FIG. 8 is a specific flowchart showing the step of binding the application for deregistration of the present invention.
  • the main technical idea is to set a storage application module in the IC card, and the storage application module is bound to the user's bank account. And set a quota amount for the electronic cash application.
  • the storage application module in the IC starts to recharge the electronic cash, and encapsulates the recharge amount into data to be sent to the POS terminal, and the POS terminal follows.
  • the recharge amount data message is sent to the bank back-end system, and the bank back-office system performs the corresponding amount deduction action.
  • FIG. 1 is a schematic structural view of an IC card electronic cash offline storage system of the present invention.
  • the IC card electronic cash offline storage system of the present invention will be specifically described below with reference to FIG.
  • the IC card electronic cash offline storage system of the present invention includes an IC card 100, a POS terminal 200, and a bank backend system 300.
  • the IC card 100 includes an electronic cash 110 and a stock application module 120.
  • the electronic cash 110 stores a certain amount for the user to take offline consumption.
  • the inventory application module 120 includes a refill module 121 and a first interaction module 122.
  • the refill module 121 is configured to perform data interaction with the electronic cash and complete the enrollment of the electronic cash 110.
  • the first interaction module 122 is configured to perform data interaction with the POS terminal 200 and is used to transfer the inventory amount data to the refill module 121.
  • the POS terminal 200 is provided with a storage device 210.
  • the storage device 210 includes: a second interaction module 212 for performing data interaction with the inventory application module 120 and also for implementing provisioning of a password box and setting of an effective time of the application; and The deposit amount data sent by the module 120 is transmitted to the refilling module 211 of the bank backend system 300.
  • the bank backend system 300 is for performing a function of deducting the electronic cash refill amount of the account, confirming the deposit amount, and providing the time based on the deposit amount data transmitted from the refilling module 211.
  • the second interaction module is further configured to implement the provision of the password box and the setting of the effective time of the application.
  • the electronic cash 110 is connected to the first interaction module 122, the refill module 121 is connected to the first interaction module 122, the second interaction module 212 is connected to the refilling module 211, and the refilling module 211 and the bank backend system 300 are communicatively connected.
  • the IC card electronic cash offline storage method of the present invention mainly utilizes the circle storage application module 120 provided in the IC card 100, the storage device 210 of the POS terminal 200, and the bank backend system 300.
  • the method for IC card electronic cash offline storage of the present invention mainly comprises the following steps:
  • the deposit amount locking step a request for determining the amount of the deposit for the electronic cash refill is initiated from the storage application module 120 of the IC card 100, and the user inputs the amount of the deposit and then passes the POS of the IC card by the application module 120 of the IC card.
  • the storage device 210 of the terminal 200 sends the deposit amount to the bank backend system 300. After the bank backend system 300 confirms and stores the deposit amount and the deposit time, the deposit amount and the deposit time are passed through the circle of the POS terminal 200.
  • the storage device 210 is sent to the storage application module 120 of the IC card 100;
  • the storage application setting step the user initiates an electronic cash refill amount and a storage application effective time for charging the electronic cash each time the storage application module 120 for setting the IC card 100 is set from the storage device 210 of the POS terminal 200 and will set The good electronic cash refill amount and the inventory application effective time are stored in the circle application module 120 of the IC card;
  • the electronic cash refilling step in the case that the user uses the electronic cash for offline consumption and the balance is insufficient, the IC card storage application module 120 automatically initiates electronic cash refilling to the storage device 210 of the POS terminal 200 to cause refilling according to the electronic cash.
  • the amount is recharged to the electronic cash, and the refill information including the electronic cash refill amount is stored in the POS terminal 200;
  • Deducting the amount of money transmitting the refill information from the POS terminal 200 to the bank backend system 300, and the bank backend system 300 deducts the electronic cash refill from the deposit amount already stored by the bank backend system 300 according to the refill information. Amount.
  • the IC card needs to lock a certain amount of the deposit, and this amount is used for electronic cash. When the amount of the deposit is used up, it needs to be reassigned. This process requires networking.
  • Fig. 2 is a specific flow chart showing the procedure for locking the amount of deposits of the present invention.
  • the "IC card storage application” in FIG. 2 is an abbreviation of "the storage application module 120 of the IC card 100"
  • the storage client is the abbreviation of "the storage device 210 of the POS terminal 200”
  • the “background” is The abbreviation of "bank backend system 300" is also directly referred to in the above description and the following Figs. 3 to 8 and the description thereof.
  • the deposit amount locking step includes:
  • the IC card needs to be inserted into the networkable POS terminal 200, and the POS terminal 200 is mounted with the storage device 200;
  • the IC card is stored in the application request to input the amount of the deposit
  • the IC card storage application generates the authorization information of the deposit amount, and sends it to the storage client, and the storage client forwards the authorization information of the amount to the bank background;
  • the bank confirms that the balance of the user account is sufficient, and locks the amount of the deposit in the user account (similar to the pre-authorization behavior, the recommended amount of the deposit is 10 times of the electronic cash refill amount) for the IC card. Circulating the application, and then generating the confirmation amount information (the background time included in the information) is sent to the storage client, and the storage client sends the application to the IC card storage application;
  • the IC card storage application sets the amount of the deposit and the storage time, thereby completing the locking step of the deposit amount.
  • 3 and 4 are specific flowcharts showing the steps of setting the storage application of the present invention.
  • the storage application setting step is mainly used to set the amount of the amount of the refilling of the electronic cash and the effective time of the storage application (that is, the time between the recharge and the last recharge interval), the process involves two settings. The process, one is the setting of the amount, and the other is the setting of the validity period of the application.
  • the user initiates the recharge amount setting in the storage client, that is, the user uses the circle client to open the IC card storage application setting function, and selects the electronic cash refill amount setting;
  • the IC card storage application requests the depositing client to input the electronic cash refill amount
  • the IC card storage application sets the electronic cash refill amount according to the received amount.
  • the user uses the circle storage client to open the IC card storage application setting function, selects the storage application validity period setting, and initiates a validity period setting request to the IC card storage application;
  • the IC card storage application requests the storage client to input the application validity period, for example, the effective number of months;
  • the IC card storage application sets the effective time of the application according to the number of valid months received, and sends the effective number of months to the storage client and forwards it to the background by the storage client.
  • FIG. 5 is a detailed flow chart showing the electronic cash refilling step of the present invention.
  • the balance is not enough. This is the step of starting the electronic cash refilling process for the IC card storage application. The specific process of the electronic cash refilling step will be described below with reference to FIG. 5.
  • the electronic cash refilling steps shown in Figure 5 include:
  • the IC card storage application requests time from the POS inventory device
  • the POS storage device applies an application return time to the IC card, which is obtained by the POS terminal each time interacting with the background;
  • the IC card storage application determines whether the application of the storage is expired. Specifically, the IC card storage application determines whether the interval between the recharge time and the last recharge time (the last recharge time at the first recharge time is the storage time) During the validity period of the storage application, if the validity period is exceeded, the subsequent recharging process is rejected, and if it is within the validity period, the last refilling time of the replenishing application is the time of the newly received POS terminal;
  • the IC card storage application sends a request password box input command to the POS inventory device
  • the POS terminal parses the password box input command, and displays a password input box on the POS terminal;
  • the password is encapsulated into a password return information in the POS and returned to the IC card storage application.
  • the IC card storage application obtains the password from the password return information and compares it with the pre-stored recharge password in the IC card storage application. If the comparison fails, the password error message is sent to the POS terminal, if the comparison is successful , according to the electronic cash recharge amount to recharge the electronic cash (if the amount of the deposit is not enough for the electronic cash recharge amount, then the application balance is insufficient)
  • the IC card storage application function encrypts the information such as the recharge amount by using the IC card key and generates the encrypted recharge information, and the IC card storage application sends the recharge information to the POS storage device;
  • the refilling module 211 in the POS inventory device stores the received recharge information and prompts the user to complete the electronic cash refill.
  • the above recharge process is completed in an offline state, and no networking is required. After the recharge is completed, the user can use the electronic cash for offline consumption.
  • Fig. 6 is a specific flow chart showing the steps of deducting money of the present invention. After the user uses the inventory application to complete the recharge and offline consumption, the information of the recharge amount exceeding the POS terminal needs to be sent to the background by the POS terminal at a later appropriate time (for example, during batch settlement).
  • the step of deducting the amount includes:
  • the POS storage device sends the stored recharge information to the background through the network
  • Figure 7 is a detailed flow chart showing the procedure for resetting the validity period of the inventory application of the present invention.
  • the cycle application reset period resetting steps shown in FIG. 7 include:
  • the background determines whether the account in the command has been unbound with the circled application. If not, the confirmation valid period reset command is generated (the latest time is included in the command) and is cached. The client forwards the application to the IC card storage application, and the IC card storage application updates the last recharge time according to the command to the latest time included in the hit. If it is released, the background sends the reject valid period refill command and is forwarded to the IC card by the circled client. For the storage application, the IC card storage application clears the amount of the application's inventory according to the command.
  • FIG. 8 is a specific flowchart showing the step of binding the application for deregistration of the present invention.
  • the IC card storage application sends the release account binding information command to the circled client, and the circled client forwards the release account binding information command to the background;
  • the IC card storage application clears the amount of the deposit and sends the clear result to the circled client, and the circled client forwards the clear result to the background;
  • the bank operation background cancels the binding of the user account and the application of the deposit, and releases the account amount of the user account after the current application of the deposit application is valid. If the recharge information is received in the process, Then, the deduction action is continued, and the amount of the deposit is settled after the validity period of the application is recalculated from the time.
  • the IC card electronic cash offline storage system and the IC card electronic cash offline storage method of the present invention by setting the storage application module 120 in the IC card 100 and setting the storage device 210 in the POS terminal 200, It can realize the offline storage of electronic cash, and can greatly improve the convenience of users using electronic cash, and at the same time, can improve the user experience of electronic cash. Further, when the electronic cash is stored by the storage application module 120 provided in the IC card 100 and the storage device 210 provided in the POS terminal 200, the password is protected and the total amount of the deposit is set, even if the IC is lost. In the case of a card, the user does not have to worry about the amount of the application being maliciously used, and the account will not be lost, which improves the security of the account.

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Abstract

一种IC卡电子现金脱机圈存***，包括IC卡（100）、POS终端（200）、银行后台***（300）。所述IC卡（100）具备电子现金（110）和圈存应用模块（120），其中圈存应用模块（120）包括充值模块（121）和第一交互模块（122），充值模块（121）用于与所述电子现金（110）进行数据交互并且完成对电子现金（110）的圈存，第一交互模块（122）用于与POS终端（200）进行数据交互并且用于将圈存金额数据传递到充值模块（121）；所述POS终端（200）具备圈存装置（210），其中，圈存装置（210）包括用于与圈存应用模块（120）进行数据交互的第二交互模块（212），以及用于将从圈存应用模块（120）发送来的圈存金额数据传递到银行后台***（300）的充值上发模块（211）。该***能够实现对电子现金进行脱机圈存，并且可以极大提高用户使用电子现金的便利性，同时能够提高电子现金账户的安全性。

Description

一种IC卡电子现金脱机圈存方法以及*** 技术领域
本发明涉及一种对金融数据进行数据处理的数据处理***以及数据处理方法，具体地涉及一种IC卡电子现金脱机圈存***以及IC卡电子现金脱机圈存方法。
背景技术
现有电子现金由于是用的脱机消费，在刷卡过程中也不需要进行密码验证，若丢失，则相当于直接丢失了现金，因而在使用过程中，用户一股圈存较低额度的电子现金金额，当金额用完时，则需要通过联机再度进行电子现金圈存。
然而，随着用户使用电子现金的频繁性增加，低金额的电子现金很容易就产生余额不足，用户就需要频繁地连机圈存，这无疑会造成用户使用不便，特别是当用户使用IC卡这种形式时，手上并无智能终端可联机圈存，将会造成更大的不便。
发明内容
鉴于上述问题，本发明旨在提供一种能够实现对IC卡的电子现金进行脱机圈存的IC卡电子现金脱机圈存***以及IC卡电子现金脱机圈存方法。
本发明的一种IC卡电子现金脱机圈存***，其特征在于，包括：IC卡、POS终端、银行后台***，
所述IC卡具备：
电子现金，存储有一定金额，用于用户进行脱机消费；以及
圈存应用模块，包括充值模块和第一交互模块，其中，所述充值模块用于与所述电子现金进行数据交互并且完成对电子现金的圈存，所述第一交互模块用于与所述POS终端进行数据交互并且用于将圈存金额数据传递到所述充值模块，
所述POS终端具备圈存装置，其中，所述圈存装置包括：
第二交互模块，用于与所述圈存应用模块进行数据交互；
充值上发模块，用于将从所述圈存应用模块发送来的圈存金额数据传递到所述银行后台***，
所述银行后台***用于根据从所述充值上发模块传送来的圈存金额数据进行账户的电子现金充值金额的扣除和圈存金额的确认。
优选地，所述第二交互模块还用于实现密码框的提供和圈存应用有效时间的设定。
优选地，所述银行后台***还用于实现圈存应用有效时间的提供。
优选地，所述电子现金和所述第一交互模块连接，所述充值模块与所述第一交互模块连接，所述第二交互模块和所述充值上发模块连接，所述充值上发模块和所述银行后台***通信连接。
本发明的IC卡电子现金脱机圈存方法，是利用设置在IC卡中的圈存应用模块、POS终端的圈存装置以及银行后台***来实现的方法，包括下述步骤：
圈存金额锁定步骤，从圈存应用模块发起用于向电子现金充值的圈存金额的确定请求，用户输入圈存金额后由圈存应用模块通过POS终端的圈存装置将圈存金额发送到银行后台***，由银行后台***确认并储存圈存金额和圈存时间后将所述圈存金额和圈存时间通过POS终端的圈存装置发送到圈存应用模块；
圈存应用设置步骤，用户从POS终端的圈存装置发起用于设置圈存应用模块每次往电子现金进行充值的电子现金充值金额和圈存应用有效时间并且将设置好的电子现金充值金额和圈存应用有效时间存储在圈存应用模块中；
电子现金充值步骤，用户用电子现金进行脱机消费而余额不足的情况下圈存应用模块自动向POS终端的圈存装置发起电子现金充值以使得根据所述电子现金充值金额往电子现金进行充值，并且将包含电子现金充值金额的充值信息储存在POS终端中；以及
扣除金额步骤，将所述充值信息从POS终端发送到银行后台***，银行后台***根据所述充值信息，从银行后台***已储存的所述圈存金额中扣除所述电子现金充值金额。
优选地，所述圈存金额锁定步骤包括下述子步骤：
从圈存应用模块发起用于向电子现金进行充值的圈存金额的确定请求；
由用户在POS终端输入圈存金额后，POS终端的圈存装置将圈存金额返回到圈存 应用模块；
圈存应用模块根据所述圈存金额生成圈存金额授权信息发送到POS终端的圈存装置；
POS终端的圈存装置将所述圈存金额授权信息发送到银行后台***；
银行后台***确认用户账户的余额充足的情况下在用户账户中锁定所述圈存金额以用于圈存应用，生成圈存金额确认信息并发送到POS终端的圈存装置；
POS终端的圈存装置将所述圈存金额确认信息发送到圈存应用模块。
优选地，在所述POS终端的圈存装置和所述银行后台***之间的信息交互中，采用IC卡密钥加密。
优选地，所述圈存应用设置步骤包括下述子步骤：
用户通过POS终端的圈存装置输入电子现金充值金额和圈存应用有效时间；
POS终端的圈存装置将所述电子现金充值金额和圈存应用有效时间发送到圈存应用模块；以及
圈存应用模块根据所述电子现金充值金额和圈存应用有效时间设定电子现金充值金额和圈存应用有效时间。
优选地，所述电子现金充值步骤包括下述子步骤：
圈存应用模块向POS终端的圈存装置请求时间；
POS终端的圈存装置向圈存应用模块返回时间；
圈存应用模块判断本次充值时间与上次充值时间的间隔是否在已设定的所述圈存应用有效时间内容，若超出有效期间则拒绝后续的充值，若在有效期间内，则更新圈存应用模块中的上次充值时间为本次从POS终端的圈存装置返回的时间；圈存应用模块向POS终端的圈存装置发送请求密码框输入命令；
POS终端的圈存装置根据发送来的请求密码框输入命令，在POS中终端上显示密码输入框以便用户通过该密码输入框输入圈存密码；
POS终端的圈存装置将该输入的圈存密码封装成密码返回信息返回到圈存应用模块；
圈存应用模块根据所述密码返回信息获得圈存密码，将该圈存密码与预先设定在圈存应用模块中的设定密码比对，仅在比对成功的情况下根据所述电子现金充值金额往电子现金进行充值；
圈存应用模块根据电子现金充值金额生成充值信息并发送到POS终端的圈存装置；
POS终端的圈存装置存储所述充值信息并且提示用户电子现金充值完成。
优选地，圈存应用模块采用IC卡密钥对电子现金充值金额进行加密生成充值信息。
优选地，所述扣除金额步骤包括下述子步骤：
将所述充值信息从POS终端通过联网发送到银行后台***；
银行后台***解析所述充值信息，并获得其中的电子现金充值金额；
银行后台***从已储存的所述圈存金额中扣除所述电子现金充值金额。
根据本发明的IC卡电子现金脱机圈存***以及IC卡电子现金脱机圈存方法，通过在IC卡设置圈存应用模块以及在POS终端设置圈存装置，能够实现对电子现金进行脱机圈存，并且可以提高用户使用电子现金的便利性，同时能够提高电子现金的用户体验。并且，在利用IC卡中设置的圈存应用模块以及POS终端中设置的圈存装置对电子现金进行圈存时，通过设置密码保护以及设置总的圈存金额，即使在丢失IC卡的情况下，用户也无需担心圈存应用的金额被恶意使用，账户也不会有金额丢失，提高了账户的安全性。
附图说明
图1是本发明的IC卡电子现金脱机圈存***的构造示意图。
图2是表示本发明的圈存金额锁定步骤的具体流程图。
图3和图4是表示本发明的圈存应用设置步骤的具体流程图。
图5是表示本发明的电子现金充值步骤的具体流程图。
图6是表示本发明的扣除金额步骤的具体流程图。
图7是表示本发明的圈存应用有效期重置步骤的具体流程图。
图8是表示本发明的注销圈存应用绑定步骤的具体流程图。
具体实施方式
下面介绍的是本发明的多个实施例中的一些，旨在提供对本发明的基本了解。并不旨在确认本发明的关键或决定性的要素或限定所要保护的范围。
本发明提出的IC卡电子现金脱机圈存***和IC卡电子现金脱机圈存方法 是为了使得用户在未联网的情况下也能够完成对电子现金的圈存功能，主要技术构思是：在IC卡内设置一个圈存应用模块，该圈存应用模块绑定到用户的银行账户，并对电子现金应用设定一个圈存金额额度，当电子现金余额不足时，IC内的圈存应用模块启动对电子现金进行充值，并把充值金额封装成数据发往POS终端，POS终端在后续的批结算过程中，把该充值金额数据报文发往银行后台***，银行后台***进行相应的金额扣除动作。
图1是本发明的IC卡电子现金脱机圈存***的构造示意图。下面参照图1对于本发明的IC卡电子现金脱机圈存***进行具体说明。
如图1所示，本发明的IC卡电子现金脱机圈存***包括：IC卡100、POS终端200、银行后台***300。
IC卡100包括电子现金110和圈存应用模块120。
电子现金110存储有一定金额，用于用户进行脱机消费。
圈存应用模块120包括充值模块121和第一交互模块122。其中，充值模块121用于与电子现金进行数据交互并且完成对电子现金110的圈存。第一交互模块122用于与POS终端200进行数据交互并且用于将圈存金额数据传递到充值模块121。
POS终端200具备圈存装置210。圈存装置210包括：用于与圈存应用模块120进行数据交互并且还用于实现密码框的提供和圈存应用有效时间的设定的第二交互模块212；和用于将从圈存应用模块120发送来的圈存金额数据传递到银行后台***300的充值上发模块211。
银行后台***300用于根据从充值上发模块211传送来的圈存金额数据进行账户的电子现金充值金额的扣除和圈存金额的确认以及提供时间等的功能。所述第二交互模块还用于实现密码框的提供和圈存应用有效时间的设定。
电子现金110和第一交互模块122连接，充值模块121与第一交互模块122连接，第二交互模块212和充值上发模块211连接，并且充值上发模块211和银行后台***300通信连接。
下面，对于本发明的IC卡电子现金脱机圈存方法进行说明。
本发明的IC卡电子现金脱机圈存方法主要利用设置在IC卡100中的圈存应用模块120、POS终端200的圈存装置210以及银行后台***300来实现的方 法，本发明的IC卡电子现金脱机圈存方法主要包括下述包括步骤：
圈存金额锁定步骤：从IC卡100的圈存应用模块120发起用于向电子现金充值进行的圈存金额的确定请求，由用户输入圈存金额后由IC卡的圈存应用模块120通过POS终端200的圈存装置210将圈存金额发送到银行后台***300，由银行后台***300确认并储存圈存金额和圈存时间后将所述圈存金额和圈存时间通过POS终端200的圈存装置210发送到IC卡100的圈存应用模块120；
圈存应用设置步骤：用户从POS终端200的圈存装置210发起用于设置IC卡100的圈存应用模块120每次往电子现金进行充值的电子现金充值金额和圈存应用有效时间并且将设置好的电子现金充值金额和圈存应用有效时间存储在IC卡的圈存应用模块120中；
电子现金充值步骤：在用户用电子现金进行脱机消费而余额不足的情况下IC卡的圈存应用模块120自动向POS终端200的圈存装置210发起电子现金充值以使得根据所述电子现金充值金额往电子现金进行充值，并且将包含电子现金充值金额的充值信息储存在POS终端200中；以及
扣除金额步骤：将所述充值信息从POS终端200发送到银行后台***300，银行后台***300根据所述充值信息，从银行后台***300已储存的所述圈存金额中扣除所述电子现金充值金额。
下面，对于各步骤进行具体说明。
首先，对于圈存金额锁定步骤进行说明。
IC卡需要锁定一定的圈存金额，这个圈存金额用于向电子现金。当圈存金额用完之后，需要重新指定，这个过程需要联网。
图2是表示本发明的圈存金额锁定步骤的具体流程图。图2中的“IC卡圈存应用”是“IC卡100的圈存应用模块120”的简称、“圈存客户端”是“POS终端200的圈存装置210”的简称、“后台”是“银行后台***300”的简称，在图2的说明以及之后的图3～图8及其说明中也直接采用上述的简称。
下面参照图2对于圈存金额锁定步骤的具体过程进行说明。如图2所示，圈存金额锁定步骤包括：
(1)首先需要把IC卡***到可联网的POS终端200上，POS终端200上安装有圈存装置200；
(2)IC卡圈存应用请求输入圈存金额；
(3)用户在POS终端200上输入一定金额的圈存金额；
(4)圈存客户端把该圈存金额返回给圈存应用；
(5)IC卡圈存应用生成圈存金额授权信息，发送给圈存客户端，圈存客户端将该金额授权信息转发给银行后台；
(6)银行后台确认用户账户的余额充足，并在用户账户中锁定该圈存金额数(类似于预授权行为，推荐圈存金额数为电子现金充值金额数10倍以上)以用于IC卡圈存应用，再生成确认圈存金额信息(信息中包括后台时间)发给圈存客户端，圈存客户端发给IC卡圈存应用；
(7)IC卡圈存应用设定好圈存金额和圈存时间，由此完成圈存金额锁定步骤。
图3和图4是表示本发明的圈存应用设置步骤的具体流程图。
圈存应用设置步骤主要用于设置圈存应用每次往电子现金进行充值的金额数和圈存应用的有效时间(即本次充值与上次充值间隔的时间)，该过程涉及到两个设置流程，一个是金额的设定，另一是圈存应用有效期的设定。
如图3所示，金额设定的具体地步骤如下：
(1)用户在圈存客户端发起充值金额设定，即用户使用圈存客户端打开IC卡圈存应用设置功能，并选择电子现金充值金额设定；
(2)IC卡圈存应用向圈存客户端请求输入电子现金充值金额；
(3)用户在圈存客户端输入电子现金充值金额，圈存客户端把该金额返回给IC卡圈存应用；
(4)IC卡圈存应用根据收到的金额设定电子现金充值金额。
如图4所示，圈存应用有效期设定的具体地步骤如下：
(1)用户使用圈存客户端打开IC卡圈存应用设置功能，选择圈存应用有效期设定，向IC卡圈存应用发起有效期设定请求；
(2)IC卡圈存应用向圈存客户端请求输入应用有效期，例如有效月数；
(3)用户在圈存客户端输入有效月数，例如3个月等，圈存客户端将有效月数返回到IC卡圈存应用；
(4)IC卡圈存应用根据收到的有效月数，设定圈存应用有效时间，并且将有效月数发送给圈存客户端并由圈存客户端转发给后台。
图5是表示本发明的电子现金充值步骤的具体流程图。当用户用电子现金进行脱机消费时，余额不够，这是IC卡圈存应用开始启动电子现金充值步骤，下面参照图5对于电子现金充值步骤的具体过程进行说明。
如图5所示电子现金充值步骤包括：
(1)IC卡圈存应用向POS圈存装置请求时间；
(2)POS圈存装置向IC卡圈存应用返回时间，该时间由POS终端每次在与后台联系交互时获得；
(3)IC卡圈存应用判断圈存应用是否过期，具体地IC卡圈存应用判断本次充值时间与上次充值时间(第一充值时的上次充值时间为圈存时间)的间隔是否在圈存应用有效期内，若超出有效期，则拒绝后续的充值过程，若在有效期内，则更新圈存应用的上次充值时间为新收到的POS终端的时间；
(4)IC卡圈存应用向POS圈存装置发送请求密码框输入命令；
(5)POS终端解析该密码框输入命令，在POS终端上显示密码输入框；
(6)用户输入圈存密码；
(7)POS中将该密码封装成密码返回信息返回到IC卡圈存应用。
(8)IC卡圈存应用从密码返回信息中获取密码并与IC卡圈存应用中预先保存的充值密码解析比对，若比对失败，则向POS终端发送密码错误信息，若比对成功，则根据电子现金充值金额往电子现金进行充值(若圈存金额不够电子现金充值金额的话，则提示圈存应用余额不够)；
(9)IC卡圈存应用功能利用IC卡密钥对充值金额等信息进行加密并生成加密后的充值信息，IC卡圈存应用将该充值信息上发到POS圈存装置；
(10)POS圈存装置中的充值上发模块211储存收到的充值信息，并提示用户电子现金充值完成。
上述的充值过程是在脱机的状态下完成，无需联网，充值完成后，用户可用电子现金进行脱机消费。
另外，在上述充值过程中因为圈存应用有效期过期引起无法充值的问题，需要在圈存客户端上进行有效重置流程或者POS终端也可以通过加入有效期重置流程加以避免。但是，一股有效期是由用户设定的，使用电子现金频繁的用户，在这个有效期内会产生充值行为，圈存应用就会不断更新上次充值时间，从而不 会引起因为超出有效期而无法充值的问题，因而这个功能并不强制POS终端实现。
图6是表示本发明的扣除金额步骤的具体流程图。用户使用圈存应用完成充值并进行脱机消费之后，超出在POS终端内的充值金额信息需要POS终端在后期适当的时间(例如做批结算时)联网发送给后台。
下面参照图6对于扣除金额步骤的具体过程进行说明。
如图6所示，扣除金额步骤包括：
(1)POS圈存装置把储存的上发充值信息通过联网发送到后台；
(2)后台解析该充值信息，获得其中的充值金额，并在用户账户中锁定的圈存金额中扣除该充值金额，则扣除金额过程完成。
接着，对于本发明的IC卡电子现金脱机圈存方法中的两个可选的步骤，即圈存应用有效期重置步骤和注销圈存应用绑定步骤进行说明。
图7是表示本发明的圈存应用有效期重置步骤的具体流程图。当用户因为长时间圈存应用无充值过程，这个时间过程超过了用户设定好的圈存有效时间时，用户需要在圈存客户端上进行圈存应用有效期重置过程。
下面参照图7对于圈存应用有效期重置步骤的具体过程进行说明。
如图7所示圈存应用有效期重置步骤包括：
(1)用户在圈存客户端发起有效期重置请求；
(2)圈存应用生成请求有效期重置命令(包含用户账户信息)发送到圈存客户端；
(3)后台收到有效期重置命令后，判断命令中的账户是否已经跟圈存应用解除绑定，若未解除，则生成确认有效期重置命令(该命令中包含最新时间)并由圈存客户端转发给IC卡圈存应用，IC卡圈存应用根据命令更新上次充值时间为命中包含的最新时间，若已解除，则后台发送拒绝有效期充值命令并由圈存客户端转发给IC卡圈存应用，IC卡圈存应用根据命令清零圈存应用的圈存金额。
图8是表示本发明的注销圈存应用绑定步骤的具体流程图。当用户需要解除圈存应用绑定的账户时，有两种情况：一种是用户主动发起，一种是用户丢卡被动发起。
下面参照图8对于注销圈存应用绑定步骤的具体过程进行说明。对于用户 主动发情况下的解除账户过程，如图8所示包括：
(1) 用户从圈存客户端发起解除账户请求；
(2) IC卡圈存应用发送解除账户绑定信息命令到圈存客户端，由圈存客户端将该解除账户绑定信息命令转发到后台；
(3) 后台根据该解除账户绑定信息命令解除该账户与圈存应用的绑定，并且将确认解除结果由圈存客户端转发给IC卡圈存应用；
(4) IC卡圈存应用收到确认解除结果后，清零圈存金额，并上发清零结果到圈存客户端，圈存客户端将该清零结果转发到后台；
(5) 后台收到清零结果后，解锁用户账户的圈存金额。
另外，对于用户丢卡造成解除的情况下的步骤如下：
(1) 用户向银行申请解除绑定申请；
(2) 银行操作后台解除用户账户与圈存应用的绑定，并在即日算其的圈存应用有效起后解除用户账户的圈存金额，若在这个过程中有收到充值上发信息，则继续完成扣款动作，并从该时间再重新算起的圈存应用有效期后结算圈存金额。
如上所述，根据本发明的IC卡电子现金脱机圈存***以及IC卡电子现金脱机圈存方法，通过在IC卡100设置圈存应用模块120以及在POS终端200设置圈存装置210，能够实现对电子现金进行脱机圈存，并且可以极大提高用户使用电子现金的便利性，同时，能够提高电子现金的用户体验。而且，在利用IC卡100中设置的圈存应用模块120以及POS终端200中设置的圈存装置210对电子现金进行圈存时，通过设置密码保护以及设置总的圈存金额，即使在丢失IC卡的情况下，用户也无需担心圈存应用的金额被恶意使用，账户也不会有金额丢失，提高了账户的安全性。
以上例子主要说明了本发明的IC卡电子现金脱机圈存***以及IC卡电子现金脱机圈存方法。尽管只对其中一些本发明的具体实施方式进行了描述，但是本领域普通技术人员应当了解，本发明可以在不偏离其主旨与范围内以许多其他的形式实施。因此，所展示的例子与实施方式被视为示意性的而非限制性的，在不脱离如所附各权利要求所定义的本发明精神及范围的情况下，本发明可能涵盖各种的修改与替换。

Claims (11)

  1. 一种IC卡电子现金脱机圈存***，其特征在于，包括：IC卡、POS终端、银行后台***，
    所述IC卡具备：
    电子现金，存储有一定金额，用于用户进行脱机消费；以及
    圈存应用模块，包括充值模块和第一交互模块，其中，所述充值模块用于与所述电子现金进行数据交互并且完成对电子现金的圈存，所述第一交互模块用于与所述POS终端进行数据交互并且用于将圈存金额数据传递到所述充值模块，
    所述POS终端具备圈存装置，其中，所述圈存装置包括：
    第二交互模块，用于与所述圈存应用模块进行数据交互；
    充值上发模块，用于将从所述圈存应用模块发送来的圈存金额数据传递到所述银行后台***，
    所述银行后台***用于根据从所述充值上发模块传送来的圈存金额数据进行账户的电子现金充值金额的扣除和圈存金额的确认。
  2. 如权利要求1所述的IC卡电子现金脱机圈存***，其特征在于，
    所述第二交互模块还用于实现密码框的提供和圈存应用有效时间的设定。
  3. 如权利要求1所述的IC卡电子现金脱机圈存***，其特征在于，
    所述银行后台***还用于实现圈存应用有效时间的提供。
  4. 如权利要求1所述的IC卡电子现金脱机圈存***，其特征在于，
    所述电子现金和所述第一交互模块连接，
    所述充值模块与所述第一交互模块连接，
    所述第二交互模块和所述充值上发模块连接，
    所述充值上发模块和所述银行后台***通信连接。
  5. 一种IC卡电子现金脱机圈存方法，是利用设置在IC卡中的圈存应用模块、POS终端的圈存装置以及银行后台***来实现的方法，包括下述步骤：
    圈存金额锁定步骤，从圈存应用模块发起用于向电子现金充值的圈存金额的确定 请求，用户输入圈存金额后由圈存应用模块通过POS终端的圈存装置将圈存金额发送到银行后台***，由银行后台***确认并储存圈存金额和圈存时间后将所述圈存金额和圈存时间通过POS终端的圈存装置发送到圈存应用模块；
    圈存应用设置步骤，用户从POS终端的圈存装置发起用于设置圈存应用模块每次往电子现金进行充值的电子现金充值金额和圈存应用有效时间并且将设置好的电子现金充值金额和圈存应用有效时间存储在圈存应用模块中；
    电子现金充值步骤，用户用电子现金进行脱机消费而余额不足的情况下圈存应用模块自动向POS终端的圈存装置发起电子现金充值以使得根据所述电子现金充值金额往电子现金进行充值，并且将包含电子现金充值金额的充值信息储存在POS终端中；以及
    扣除金额步骤，将所述充值信息从POS终端发送到银行后台***，银行后台***根据所述充值信息，从银行后台***已储存的所述圈存金额中扣除所述电子现金充值金额。
  6. 如权利要求5所述的IC卡电子现金脱机圈存方法，其特征在于，
    所述圈存金额锁定步骤包括下述子步骤：
    从圈存应用模块发起用于向电子现金进行充值的圈存金额的确定请求；
    由用户在POS终端输入圈存金额后，POS终端的圈存装置将圈存金额返回到圈存应用模块；
    圈存应用模块根据所述圈存金额生成圈存金额授权信息发送到POS终端的圈存装置；
    POS终端的圈存装置将所述圈存金额授权信息发送到银行后台***；
    银行后台***确认用户账户的余额充足的情况下在用户账户中锁定所述圈存金额以用于圈存应用，生成圈存金额确认信息并发送到POS终端的圈存装置；
    POS终端的圈存装置将所述圈存金额确认信息发送到圈存应用模块。
  7. 如权利要求6所述的IC卡电子现金脱机圈存方法，其特征在于，
    在所述POS终端的圈存装置和所述银行后台***之间的信息交互中，采用IC卡密钥加密。
  8. 如权利要求7所述的IC卡电子现金脱机圈存方法，其特征在于，
    所述圈存应用设置步骤包括下述子步骤：
    用户通过POS终端的圈存装置输入电子现金充值金额和圈存应用有效时间；
    POS终端的圈存装置将所述电子现金充值金额和圈存应用有效时间发送到圈存应用模块；以及
    圈存应用模块根据所述电子现金充值金额和圈存应用有效时间设定电子现金充值金额和圈存应用有效时间。
  9. 如权利要求8所述的IC卡电子现金脱机圈存方法，其特征在于，
    所述电子现金充值步骤包括下述子步骤：
    圈存应用模块向POS终端的圈存装置请求时间；
    POS终端的圈存装置向圈存应用模块返回时间；
    圈存应用模块判断本次充值时间与上次充值时间的间隔是否在已设定的所述圈存应用有效时间内容，若超出有效期间则拒绝后续的充值，若在有效期间内，则更新圈存应用模块中的上次充值时间为本次从POS终端的圈存装置返回的时间；圈存应用模块向POS终端的圈存装置发送请求密码框输入命令；
    POS终端的圈存装置根据发送来的请求密码框输入命令，在POS中终端上显示密码输入框以便用户通过该密码输入框输入圈存密码；
    POS终端的圈存装置将该输入的圈存密码封装成密码返回信息返回到圈存应用模块；
    圈存应用模块根据所述密码返回信息获得圈存密码，将该圈存密码与预先设定在圈存应用模块中的设定密码比对，仅在比对成功的情况下根据所述电子现金充值金额往电子现金进行充值；
    圈存应用模块根据电子现金充值金额生成充值信息并发送到POS终端的圈存装置；
    POS终端的圈存装置存储所述充值信息并且提示用户电子现金充值完成。
  10. 如权利要求9所述的IC卡电子现金脱机圈存方法，其特征在于，
    圈存应用模块采用IC卡密钥对电子现金充值金额进行加密生成充值信息。
  11. 如权利要求10所述的IC卡电子现金脱机圈存方法，其特征在于，
    所述扣除金额步骤包括下述子步骤：
    将所述充值信息从POS终端通过联网发送到银行后台***；
    银行后台***解析所述充值信息，并获得其中的电子现金充值金额；
    银行后台***从已储存的所述圈存金额中扣除所述电子现金充值金额。
PCT/CN2014/090551 2013-11-12 2014-11-07 一种ic卡电子现金脱机圈存方法以及*** WO2015070730A1 (zh)

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