Electronic cash liquidation method and device

Abstract

The invention relates to an electronic cash liquidation method and device. The electronic cash liquidation method comprises the steps of obtaining trade information, corresponding to a preset time node, of a background electronic cash account, if the electronic cash balance of the background electronic cash account is larger than the electronic cash balance uploaded by a trade terminal, obtaining a difference of the electronic cash balance of the background electronic cash account and the electronic cash balance uploaded by the trade terminal, and returning the difference to the electronic cash account in a preset mode, and if the electronic cash balance of the background electronic cash account is smaller than the electronic cash balance uploaded by the trade terminal, stopping using the electronic cash account. Therefore, the problems, such as deduction failures, recharging failures and recharging cheats, of a user can be found in the trade process when liquidation is carried out, processing can be done in time, the trade failure processing process is simple and rapid, and inconvenience caused by locking of the electronic cash account is avoided, and user experience and convenience are greatly improved.

Description

technical field [0001] The invention relates to the technical field of financial integrated circuit cards, in particular to a method and device for electronic cash clearing. Background technique [0002] With the development of science and technology, electronic cash is more and more widely used in people's life. The transaction processing of contactless electronic cash has the following characteristics: the electronic cash balance is stored on the smart card, and the transaction terminal first records the electronic cash balance of the smart card The electronic cash transaction amount is deducted from the transaction amount. After the transaction amount deduction process is completed, the smart card returns the processing result to the transaction terminal, and the transaction terminal performs offline data authentication on the processing result returned by the smart card. cash transaction. [0003] When recharging the electronic cash balance in the smart card, it is easy...

AI Technical Summary

Problems solved by technology

[0003] When recharging the electronic cash balance in the smart card, it is easy to fail to recharge, and when deducting the transaction amount from the electronic cash balance in the smart card, it is easy to happen that the amount on the card has been deducted, but the terminal device fails to verify the card data, and the terminal device considers the transaction Anomalies and other problems lead to the discrepancy between the balance of the user's background electronic cash account and the electronic cash balance in the smart card

At this time, it is necessary to lock the electronic cash account on the user's card first, and then go to the bank for processing after a clearing cycle. The bank will query the user's transaction list and return the uncompleted transaction amount to the user. During the period when the electronic cash account on the card is locked, the electronic cash cannot be used, and the abnormal deduction and transaction failure of the user when recharging cannot be handled in a timely manner.

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