CN102110334B - Device, system and method for processing information - Google Patents

Abstract

The invention discloses an information processing device, system and method. The device includes a processing module, a monitoring module, and a storage module; the processing module establishes a communication connection with another device, and recognizes that the last transaction with the other device is based on the information of the interrupted transaction information processing process stored in the storage module. The transaction information processing process is interrupted, continue to process the interrupted transaction information processing process; the monitoring module monitors the duration of the transaction information processing process between the processing module and the other device being interrupted; the storage module monitors The module stores the information of the interrupted transaction information processing process after detecting that the duration of the transaction information processing process being interrupted reaches a predetermined value. The application of the present invention enables the interrupted transaction information processing process to be continued, avoiding losses to the user and the card issuer.

Description

An information processing device, system and method

technical field

The present invention relates to the technical field of information processing, in particular to an information processing device, system and method.

Background technique

Electronic passbook and electronic wallet are applications designed for financial IC card holders to conduct financial transactions. For a financial IC card, it can support both electronic passbook and electronic wallet, or only one of them.

The financial IC card realizes electronic payment, electronic access and other functions by exchanging transaction information with the financial transaction terminal (POS machine). The following takes the exchange of transaction information between the electronic wallet module in the financial IC card and the financial transaction terminal as an example to illustrate the process of processing transaction information. Please refer to Figure 1 for details.

Fig. 1 is a flow chart of processing electronic wallet transaction information between a financial IC card and a financial transaction terminal in the prior art.

As shown in Figure 1, the process includes:

Step 1. The POS machine sends the first SELECT command to the Purchase Secure Access Module (PSAM) card to instruct the PSAM card to select the Payment System Environment (PSE). The PSAM card is located inside the POS machine, and the PSAM card is provided with an electronic wallet module for supporting electronic wallet applications.

Step 2: After receiving the first SELECT command, the PSAM card returns the PSAM serial number, PSAM version number, key card type, instruction set version, card issuer's custom FCI data and POS machine number in the response message.

Step 3, the POS machine sends a second SELECT command to the PSAM card, which is used to instruct the PSAM card to select the electronic wallet application to process the transaction information.

Step 4: After receiving the second SELECT command, the PSAM card returns the consumption key index number, national issuer ID, receiver ID, activation date and valid date of the electronic wallet application in the response message.

Step 5, the POS machine sends a SELECT command to the user card to select the electronic wallet application.

Step 6: After receiving the SELECT command, the user card returns the issuer identifier, application type identifier, issuer application version number, application serial number, application activation date, application validity date and issuer-defined FCI data in the response message .

In step 7, the operator sets the transaction amount on the POS machine, that is, the consumption amount.

Step 8, the POS machine sends an INITIALIZE FORPURCHASE command to the user card, which includes the key index number, transaction amount and terminal number.

Step 9: After receiving the INITIALIZE FOR PURCHASE command, the user card returns the e-wallet application balance, e-wallet application offline transaction number, overdraft limit, key version number, algorithm identification and pseudo-random number on the user card side in the response message .

Step 10, the POS machine sends the INIT_PSAM_FOR_PURCHASE command to the PSAM card, which includes the pseudo-random number on the user's card side, the offline transaction number of the electronic wallet application, the transaction amount, the transaction type identification, the transaction date and time on the POS machine, and the consumption key Version number, consumption key algorithm identification, user card application serial number and dispersion factor.

Step 11: After receiving the INIT_PSAM_FOR_PURCHASE command, the PSAM card obtains the user card's electronic wallet application consumption sub-key according to the user card application serial number and dispersion factor, and uses the pseudo-random number on the user card side, the electronic wallet application offline transaction serial number and the terminal The three fields of the transaction number are concatenated into a string to obtain the process key SESPK. For example, the pseudo-random number on the user card side is 11223344, the offline transaction number of the e-wallet application is 5566, and the terminal transaction number is 7788, so the SESPK value is 1122334455667788 . The PSAM card uses SESPK to encrypt the transaction amount, transaction type identification, terminal number, transaction date and transaction time on the POS machine to obtain MAC1; return the POS machine offline transaction number and MAC1 value in the response message.

Step 12, the POS machine sends a DEBIT FOR PURCHASE command to the user card, which carries the MAC1 value and the transaction serial number, transaction date and transaction time on the POS machine.

Step 13: After receiving the DEBIT FOR PURCHASE command, the user card generates SESPK and verifies the validity of MAC1. If MAC1 is valid, use SESPK to encrypt the transaction amount to obtain MAC2, and use the first 8 bytes and the last 8 bytes of the TAC key Carry out XOR operation, use the XOR operation result to encrypt the transaction amount, transaction type identification, POS machine number, POS machine transaction serial number, transaction date and transaction time on the POS machine to generate TAC.

Step 14, the user card returns the TAC and MAC2 to the POS machine in the response message.

Step 15, the POS machine sends a CREDIT_PSAM_FOR_PURCHASE command to the PSAM card, which carries the MAC2 value.

Step 16: After receiving the CREDIT_PSAM_FOR_PURCHASE command, the PSAM card verifies the validity of MAC2.

Step 17, the PSAM card returns the verification result of MAC2 to the POS machine in the response message.

In the information processing flow shown in Figure 1, in step 13, the user card needs to calculate MAC2 and TAC values, and perform a deduction operation, if the POS machine receives MAC2 and TAC, it means that the flow shown in Figure 1 has been executed to step 14, That is, when the POS machine receives MAC2 and TAC, it can know that the user card has performed a deduction operation. However, if after step 13 is executed and before step 14 is executed, the user card loses the communication connection with the POS machine due to being pulled out from the POS machine or being away from the POS machine, etc., then step 14 cannot be executed, that is, the user card cannot set the MAC2 and the TAC value are sent to the POS machine. In this case, the POS machine cannot know whether the user card has performed a deduction operation, and the transaction information processing flow between the user card and the POS machine is interrupted. In this case, the user card needs to work normally and enter the effective working area of the POS machine again, and the POS machine sends a GET Transaction Prove command to determine whether the user card has completed the transaction.

In practical applications, when the POS machine sends a command to the user card to update the balance of the electronic passbook or the balance of the electronic wallet, after the update is completed, the user card will return the MAC value and/or TAC value to the POS machine to notify the POS machine that the balance update has been completed. Finish.

If the user card is pulled out suddenly after the user card balance update is completed and before the POS machine receives the response carrying the MAC value and/or TAC value, the POS machine will be in an uncertain state of not knowing whether the user card has completed the balance update. In this case, the POS machine is responsible for sending the GETTRANSACTION PROVE command to the user card to instruct the user card to continue the transaction information processing process.

Specifically, if the user card is suddenly pulled out while processing transaction information, the POS machine should remind the cardholder to reinsert the user card, and then the POS machine checks the card issuer ID and application serial number to confirm the inserted user card and the previously pulled out card. Whether the user card is the same card, if it is the same card, the terminal sends the GET TRANSACTION PROVE command. If the user card returns MAC or/and TAC, then the POS machine continues to perform step 15 and subsequent steps to complete the transaction information processing flow; if the user card cannot return MAC or/and TAC, it means that the balance in the user card has not been modified, In this case, it is necessary to restart the transaction information processing flow through the initialization command.

Wherein, if the balance has been restored to the value before the update when the user card works normally again, then the relevant encrypted data need not be retained. When receiving orders to change ED or EP balances, such as Debit and Credit orders, these encrypted data may be discarded.

It can be seen from the above scheme that in the prior art, when the transaction information processing flow is interrupted, the transaction information processing can be continued by reinserting the user card or making the user card close to the POS machine, and the POS machine can continue to process the transaction information after the transaction information processing flow is interrupted. Data related to transaction information processing is not saved.

For the convenience of users, there are currently plans to integrate electronic passbook and/or electronic wallet modules in user cards in handheld communication devices such as mobile terminals, for example, integrating electronic passbook modules and electronic wallet modules in 2.45G RFID-SIM cards in mobile terminals. Since the user card can only work normally when the handheld communication device has power, when the handheld communication device is out of power, even if the user brings the handheld device close to the POS machine again, the interrupted transaction information processing process still cannot continue, resulting in transaction failure. If it cannot be completed, it will cause losses to the user or the card issuer.

Contents of the invention

In view of this, the purpose of the embodiments of the present invention is to provide an information processing device, system and method, so that the interrupted transaction information processing process can be continued to avoid losses to the user and the card issuer.

In order to achieve the above purpose, the technical solutions of the embodiments of the present invention are specifically implemented as follows:

An information processing device, which includes a processing module, a monitoring module and a storage module;

The processing module establishes a communication connection with another device, and according to the information of the interrupted transaction information processing process stored in the storage module, recognizes that the last transaction information processing process with the other device was interrupted, and the continuation of the processing is interrupted transaction information processing process;

The monitoring module monitors how long the process of processing transaction information between the processing module and the other device is interrupted;

The storage module stores the information of the interrupted transaction information processing process after the monitoring module detects that the transaction information processing process has been interrupted for a predetermined value.

An information processing system, the system includes area management equipment and information processing equipment, the area management system manages more than one information processing equipment;

The information processing device establishes a communication connection with another device, processes transaction information with the other device, and monitors the duration of interruption of the process of processing transaction information with the other device, and reaches a first predetermined value when the duration is interrupted Afterwards, storing the information of the interrupted transaction information processing process, within a second predetermined period of time from when the process was interrupted, according to the stored information of the interrupted transaction information processing process, identifying the last communication with the other device The transaction information processing process is interrupted, continue to process the interrupted transaction information processing process, and report the stored information of the interrupted transaction information processing process to the regional management system after reaching the second predetermined duration;

The area management system stores the information of the interrupted transaction information processing process reported by the information processing device, recognizes that the last transaction information processing process between another device and the information processing device was interrupted, and continues to process the interrupted transaction information processing process .

An information processing method, the method comprising:

Monitoring the interrupted duration of the process of transaction information processing with another device, the duration reaches a predetermined value, and storing the information of the interrupted transaction information processing process;

It is recognized that the last transaction information processing process with the other device was interrupted, and the interrupted transaction information processing process is continued to be processed.

It can be known from the above technical solution that for the interrupted transaction information processing process, the present invention stores the information of the transaction information processing process after the transaction information processing process is interrupted for a predetermined value, and recognizes the last transaction information processing process. After the transaction information processing process of a device is interrupted, continue to process the interrupted transaction information processing process. Since the information of the interrupted transaction information processing process can be stored in time, and the interrupted transaction information processing process can be continued to be processed, the loss of the interrupted transaction information processing process can be avoided, and the interrupted transaction information processing process can be processed in a timely manner, thereby Avoid losses to users and card issuers.

Description of drawings

Fig. 1 is a flow chart of processing electronic wallet transaction information between a financial IC card and a financial transaction terminal in the prior art.

Fig. 2 is a schematic structural diagram of an information processing device provided by the present invention.

Fig. 3 is a schematic diagram of the composition of the information processing system provided by the present invention.

Fig. 4 is a flow chart of the information processing method provided by the present invention.

Detailed ways

In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below with reference to the accompanying drawings and examples.

The information processing equipment involved in the present invention refers to POS machines, including contact and non-contact POS machines in various application fields, such as cash register POS machines, subway gates, and the like.

Another device that the present invention relates to refers to various forms of user cards such as contact type and non-contact type, such as RFID-SIM card, SWP SIM card, IC card, etc.

Fig. 2 is a schematic structural diagram of an information processing device provided by the present invention.

As shown in FIG. 2 , the device includes a processing module 201 , a monitoring module 202 and a storage module 203 .

The processing module 201 establishes a communication connection with another device, and according to the information of the interrupted transaction information processing process stored in the storage module 203, recognizes that the last transaction information processing process with the other device was interrupted, and the continuation of the processing is interrupted transaction information processing process.

The monitoring module 202 monitors the duration of the interruption of the transaction information processing process between the processing module 201 and the other device.

The storage module 203 stores the information of the interrupted transaction information processing process after the monitoring module 202 detects that the transaction information processing process has been interrupted for a predetermined value.

The processing module 201 recognizes that the transaction information processing process with the other device was interrupted last time, and sends a command to obtain the transaction information processing status to the other device, and the command carries the information of the interrupted transaction information processing process , continuing to process the interrupted transaction information processing process according to the processing status information returned by the other device.

The command for obtaining the processing state of transaction information is a Get Transaction Prove command; the information of the interrupted transaction information processing process includes transaction type and transaction sequence number. That is to say, the other device returns the processing state information of the corresponding transaction information processing process to the information processing device according to the transaction type and transaction number, and the information processing device continues to process the interrupted transaction information processing process according to the processing state.

The processing module 201 judges whether the processing status information returned by the other device carries a MAC value or a TAC value, and if so, confirms that the interrupted transaction information processing process has completed the balance update, and deletes the interrupted transaction information from the storage module. If not, re-initiate the transaction information processing process with the other device or stop the transaction information processing process with the other device.

According to the introduction of FIG. 1, it can be known that the other device needs to complete the balance update operation before calculating the MAC value and TAC value. Therefore, if the other device returns the MAC value and TAC value to the processing module 201 of the information processing device, It means that the other device has completed the balance update operation, and the processing module 201 can perform the transaction information processing process after the balance update operation with the other device.

The present invention also provides an information processing system, which includes the information processing device shown in FIG. 2 , please refer to FIG. 3 for details.

Fig. 3 is a schematic diagram of the composition of the information processing system provided by the present invention.

As shown in FIG. 3 , the system includes a central management system 301 , an area management system 302 and an information processing device 303 . The central management system 301 manages one or more area management systems 302 , and the area management system 302 manages one or more information processing devices 303 . The central management system 301 is an optional system, that is, the information processing system provided by the present invention may only include the area management system 302 and the information processing device 303 .

Among them, the central management system 301 and the regional management system 302 can be realized by one device, and can also be realized by being divided into two or more devices. Below, the central management system 301 includes the central management device 3011, the central information processing device 3012, and the regional management system. The system 302 includes an area management device 3021 and an area information processing device 3022 as an example to describe the information processing system of the present invention, please refer to FIG. 3 for details.

Among them, the information processing device 303 establishes a communication connection with another device, processes transaction information with the other device, monitors the duration of interruption of the process of processing transaction information with the other device, and when the duration reaches the first predetermined After the value, store the information of the interrupted transaction information processing process, and within the second predetermined period of time from when the process is interrupted, according to the stored information of the interrupted transaction information processing process, identify the last contact with the other device The transaction information processing process is interrupted, continue to process the interrupted transaction information processing process, and report the stored information of the interrupted transaction information processing process to the regional management system 302 after reaching the second predetermined time length.

The area management system 302 stores the information of the interrupted transaction information processing process reported by the information processing device, recognizes that the last transaction information processing process between another device and the information processing device was interrupted, and continues to process the interrupted transaction information processing process.

The area management system 302 includes an area management device 3021 and an area information processing device 3022 .

The regional management device 3021 stores the information of the interrupted transaction information processing process reported by each information processing device 303 it manages in the regional information processing device 3022 .

The regional information processing device 3022 recognizes that another device's transaction information processing process with the information processing device managed by the regional management device 3021 was interrupted last time, and continues to process the interrupted transaction information processing process.

Each information processing device 3022 managed by the area management device 3021 can also share the information of the interrupted transaction information processing process, and identify another device's last transaction with any information processing device 3022 among the information processing devices 3022 After the information processing process is interrupted, continue to process the interrupted transaction information processing process.

The central management system 301 stores the information of the interrupted transaction information processing process reported by each regional management system 302, recognizes that the last transaction information processing process between another device and the information processing device was interrupted, and continues to process the interrupted transaction information processing process.

The central management system 301 includes a central management device 3011 and a central information processing device 3012 .

The central management device 3011 stores in the central information processing device 3012 the information of the interrupted transaction information processing process reported by each regional management system 302 .

The central information processing device 3012 recognizes that another device's transaction information processing process with the information processing device 3012 was interrupted last time, and continues to process the interrupted transaction information processing process.

The specific structure of the information processing device 303 , the regional information processing device 3022 and the central information processing device 3012 in FIG. 3 and how to continue processing the interrupted transaction information processing process are the same as those of the information processing device in FIG. 2 .

The present invention also provides an information processing method, please refer to FIG. 4 for details.

Fig. 4 is a flow chart of the information processing method provided by the present invention.

As shown in Figure 4, the method includes:

Step 401, monitor the interrupted duration of the process of transaction information processing with another device, and store the information of the interrupted transaction information processing process when the duration reaches a predetermined value.

Step 402, recognizing that the last transaction information processing process with the other device was interrupted, and continue processing the interrupted transaction information processing process.

For the specific method of continuing to process the interrupted transaction information processing process, please refer to the description of the information processing device continuing to process the interrupted transaction information processing process in FIG. 2 .

The device, system and method of the present invention can be applied to various transaction information processing processes. For the convenience of description, the present invention only uses the consumption transaction of the electronic wallet module as an example for illustration.

In the following application examples, the electronic wallet module is located in another device described in the devices, systems and methods described in Fig. 2, Fig. 3 and Fig. 4, the other device is a user card, and the electronic wallet on different user cards The module is uniquely identified by the serial number of the electronic wallet application. The POS machine in this application example is equivalent to the information processing equipment in the devices, systems and methods shown in Fig. 2, Fig. 3 and Fig. 4 .

In the process of processing consumption transaction information, the information that the POS machine needs to record includes: electronic wallet application serial number, transaction type, online or offline transaction serial number, and expected return MAC or TAC value.

In this application example, a single POS machine processing scheme, a multi-POS machine cooperative processing scheme in a single area, a regional management system processing scheme in a single area, or a central regional management system processing scheme can be used, which are introduced below:

In the single POS machine processing scheme, when a user card fails, that is, the TAC value or MAC value is not returned to the POS machine, if the user card is not moved or inserted into the POS machine within a certain period of time, that is, the POS machine has not been entered. The POS machine operator can choose to suspend the unconfirmed transaction, that is, to transfer the information of the transaction information processing process of the transaction to the unconfirmed transaction table in the POS machine, including:

Step 11, the POS machine has not received the Debit For Purchase response returned by the user card. The response carries a MAC value or a TAC value.

Step 12, the POS machine waits for the user card to enter the effective working area.

Step 13, if the user card does not enter the effective working area of the POS machine within a certain period of time, the operator chooses to suspend the transaction, and the transaction is saved in the unconfirmed transaction table in the POS machine.

Step 14, when the user card enters the effective working area of the POS machine again, the operator can choose to execute the anti-unplug processing flow, that is, continue processing the transaction information processing flow stored in the unconfirmed transaction table due to being interrupted.

Specifically, the anti-pulling process includes:

Step 21, the POS machine sends a SELECT command to the user card to select the electronic wallet module.

Step 22: After receiving the SELECT command, the user card returns the issuer identifier, application type identifier, issuer application version number, application serial number, application activation date, application validity date and issuer-defined FCI data in the response message .

Step 23: The POS machine searches the unconfirmed transaction table according to the application serial number. If it is not found, it prompts that the transaction failed. If it is found, go to step 24.

Step 24, the POS machine sends a Get Transaction Prove command to the user card, which includes the transaction type and transaction number.

Step 25, after the user card receives the Get Transaction Prove command, judge whether the corresponding MAC value or TAC value exists, if not, execute step 26, otherwise execute step 27.

Step 26: return an error message to the POS machine, end the process, or re-initiate the transaction information processing process by the POS machine, or stop processing the interrupted transaction information processing process.

Step 27, return the designated MAC value or TAC value to the POS machine, and the POS machine deletes the transaction from the unconfirmed transaction table, and records the information that the last transaction was successful.

The difference between the cooperative processing scheme of multiple POS machines in a single area and the processing scheme of a single POS machine is that when the transaction information processing flow of a user card on a certain POS machine is interrupted, the POS machine will be interrupted. The information is shared with each POS machine in the area where the POS machine is located, and the user can perform the anti-tear process on any POS machine in the area where the POS machine is located.

The difference between the regional management system processing scheme in a single area and the single POS machine processing scheme is that when the transaction information processing process of a user stuck on a certain POS machine is interrupted, the unconfirmed transaction information will be submitted to the area management of the area where the POS machine is located. system, the regional information processing device directly connected to the regional management device in the region where the POS machine is located performs the anti-plugging process.

The difference between the processing scheme of the central regional management system and the processing scheme of a single POS machine is that when the transaction information processing flow of a user stuck on a certain POS machine is interrupted, the unconfirmed transaction information is submitted to the regional management system in the area where the POS machine is located. And submitted to the central regional management system by the regional management system, the user needs to process unconfirmed transactions on the central information processing equipment (or central POS machine) connected to the central regional management system, that is, to carry out the anti-plug processing process.

In particular, the POS machine submits the unconfirmed transaction information to the POS regional management system, and the POS regional management system submits the unconfirmed transaction information to the POS central management system, which may be performed in real time or non-real time.

The Get Transaction Prove command can trigger the recovery mechanism of the user card after the user card is pulled out and reinserted during the transaction processing. See Table 1 for the command message.

Code value CLA '80' INS '5A' P1 '00' P2 The transaction type identifier corresponding to the MAC or/and TAC to be retrieved. Lc '02' Data See Attached Table 1-2 Le '08'

Table I

In short, the Get Transaction Prove command is a commonly used command when processing transaction information, and the present invention will not describe this command in detail.

The above is only a preferred embodiment of the present invention, and is not used to limit the protection scope of the present invention. Any modification, equivalent replacement, improvement, etc. made within the spirit and principles of the present invention shall include Within the protection scope of the present invention.

Claims (5)

1. An information processing system, characterized in that the system includes an area management system and information processing equipment, and the area management system manages more than one information processing equipment; The information processing device establishes a communication connection with another device, processes transaction information with the other device, and monitors the duration of interruption of the process of processing transaction information with the other device, and reaches a first predetermined value when the duration is interrupted Afterwards, storing the information of the interrupted transaction information processing process, within a second predetermined period of time from when the process was interrupted, according to the stored information of the interrupted transaction information processing process, identifying the last communication with the other device The transaction information processing process is interrupted, continue to process the interrupted transaction information processing process, and report the stored information of the interrupted transaction information processing process to the regional management system after reaching the second predetermined duration; The area management system stores the information of the interrupted transaction information processing process reported by the information processing device, recognizes that the last transaction information processing process between another device and the information processing device was interrupted, and continues to process the interrupted transaction information processing process . 2. The system according to claim 1, wherein the area management system comprises an area management device and an area information processing device; The regional management device stores the information of the interrupted transaction information processing process reported by each information processing device it manages in the regional information processing device; The regional information processing device recognizes that the last transaction information processing process between another device and the information processing device managed by the regional management device was interrupted, and continues to process the interrupted transaction information processing process. 3. The system of claim 2, wherein: Information about the interrupted transaction information processing process is shared among the information processing devices managed by the area management device, and it is recognized that the last transaction information processing process between another device and any information processing device in the information processing devices was interrupted Interrupt, continue processing the interrupted transaction information processing. 4. The system according to claim 1, further comprising a central management system; The central management system stores the information of the interrupted transaction information processing process reported by each regional management system, recognizes that the last transaction information processing process between another device and the information processing device was interrupted, and continues to process the interrupted transaction information processing process. 5. The system according to claim 3, wherein the central management system comprises a central management device and a central information processing device; The central management device stores the information of the interrupted transaction information processing process reported by each regional management system in the central information processing device; The central information processing device recognizes that the last transaction information processing process between another device and the information processing device was interrupted, and continues to process the interrupted transaction information processing process.

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