Method for consuming electronic wallet

Abstract

The invention discloses a method for consuming an electronic wallet, and belongs to the field of information safety. The method comprises the following steps that: a central processing unit (CPU) card enters a non-contact induction area of a terminal, is electrified and initialized, reads data in a consumption initialization command when receiving the consumption initialization command sent by the terminal and stores the data, wherein the data comprises transaction amount; the CPU card operates the transaction amount and a value in a corresponding record in a composite application dedicated file according to a predetermined algorithm to obtain new amount, reads the balance of the electronic wallet, and judging whether the new amount exceeds the sum of the balance and limit of overdrawn account of the electronic wallet or not, if so, the CPU card stops operating, and otherwise, the CPU card generates a pseudo-random number and a process key and returns a response message of the consumption initialization command to the terminal; and the CPU card receives a consumption command sent by the terminal, deducts the new amount from the balance of the electronic wallet to obtain new balance, and returns a response message of the consumption command to the terminal.

Description

technical field [0001] The invention relates to the field of information security, in particular to a method for consuming electronic wallets. Background technique [0002] The chip of the CPU card contains a microprocessor, its function is equivalent to a microcomputer, and the CPU card includes a central processing unit (CPU), a read-only memory (ROM), a random access memory (RAM), a computer Erasing programmable read-only memory (EEPROM), etc., has the advantages of large amount of information, high anti-counterfeiting security, offline operation, and multi-functional development. The CPU card adopts a powerful and stable security controller, which enhances the security of the card, and the unique internal and external authentication mechanism of the CPU card and the special authentication mechanism represented by the financial IC card specification can completely guarantee the legality and security of the transaction The application firewall function of the CPU card can...

AI Technical Summary

Problems solved by technology

[0003] In the prior art, the electronic wallet in the CPU card can realize basic transaction functions such as ordinary transfer, consumption / withdrawal, transfer, and update of overdraft limit. For promotional applications where the amount is graded and discounted, such as membership cards of shopping malls, supermarkets, restaurants, fitness clubs, etc., the ordinary loading and consumption operations of existing electronic wallets cannot meet this application

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