IC card online transaction method and device and computer readable storage medium

An online transaction and computer technology, applied in computing, protocol authorization, instruments, etc., can solve problems such as poor stability and high communication times

Inactive Publication Date: 2019-08-13
SHANGHAI FUDAN MICROELECTRONICS GROUP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In the whole transaction process, the number of communications between IC cards, POS machines, and background servers is relatively high, and the stability is poor

Method used

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  • IC card online transaction method and device and computer readable storage medium
  • IC card online transaction method and device and computer readable storage medium
  • IC card online transaction method and device and computer readable storage medium

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Embodiment Construction

[0024] In the prior art, in the online transaction process, the transaction key and transaction data are provided by the background server, all the instructions of the IC card during the transaction are issued by the background server, and all returned results need to be uploaded to the background server for verification. In the whole transaction process, there are many times of communication between IC card, POS machine and background server, and the stability is poor in the mobile communication environment.

[0025] In the embodiment of the present invention, the IC card online transaction device sends a transaction application to the server during the entire transaction process of the IC card, generates a transaction instruction according to the transaction process data and the transaction key sent by the server received, and sends the transaction instruction to IC card, so as to complete the transaction process of IC card. In the whole transaction process, only the transac...

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PUM

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Abstract

The invention discloses an IC card online transaction method and device and a computer readable storage medium, and the method comprises the steps: reading the information of an IC card when the IC card is detected; generating a transaction application according to the information of the IC card, and sending the transaction application to a server; receiving transaction process data and a transaction key sent by the server, and generating a transaction instruction according to the transaction process data and the transaction key; wherein the transaction key is requested by the server to be acquired from a card sender of the IC card; and sending the transaction instruction to the IC card. According to the scheme, the number of times of communication with the server in the IC card online transaction process is effectively reduced.

Description

technical field [0001] The invention relates to the payment field, in particular to an IC card online transaction method and device, and a computer-readable storage medium. Background technique [0002] Integrated circuit (Integrated Circuit, IC) card application is based on IC technology and China's financial IC card specifications. IC electronic wallet / electronic passbook supports transactions such as transfer deposit, transfer withdrawal, cash withdrawal, and consumption. During the above transaction process, the balance of the IC card changes synchronously. When depositing or withdrawing a transaction, it is usually processed online according to the specification. During offline consumption, it is realized through a series of data interactions between IC card, POS terminal, and point-of-sale terminal Purchase Secure Access Module (PSAM), and the key of offline consumption transaction is stored in PSAM . [0003] In the prior art, in the online transaction process, the...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/34G06Q20/20G06Q20/38G06Q20/40
CPCG06Q20/201G06Q20/341G06Q20/3829G06Q20/401
Inventor 祝文君林翌桢高俊安屠琰杰
Owner SHANGHAI FUDAN MICROELECTRONICS GROUP
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