CN103593888B - Application method of smart IC card, terminal and smart card gray lock - Google Patents

Abstract

The invention discloses a kind of intellective IC card, terminal and smart card ash lock application process, terminal to IC-card lock order of sending out ashing initial, containing the prefreezing amount of money expected in this initial ashing lock order; The order of IC-card receiving terminal, and the actual prefreezing amount of money is set, the actual prefreezing amount of money is returned terminal; The actual prefreezing amount of money that terminal returns according to IC-card, calculates MAC1, the order of lower burnt hair lock; Whether the MAC1 that IC-card verification terminal issues is correct, and calculating GTAC, MAC2 return to terminal when verifying correct.Terminal of the present invention can according to the actual conditions of oneself, the partial amount in a prefreezing IC-card, for carrying out corresponding business.After ash lock, card can be taken away by holder, for the remaining sum removing prefreezing in card, carry out circle deposit, enclose carry, the financial transaction such as consumption operation, ensure that the card after being locked by ash, the process of concluding the business can be carried out normally, improve the convenience of user's use.

Description

Application method of smart IC card, terminal and smart card gray lock

technical field

The invention relates to a smart card, a terminal and an application method of the smart card in the field of chips, in particular to an application method of a smart IC card gray lock.

Background technique

According to the requirements of my country's bank card chip plan, on March 13, 2005, the People's Bank of China issued Document No. 55, officially promulgating the industry standard "China Financial Integrated Circuit (IC) Card Specification" (JR/T 0025-2005) (industry Abbreviated as PBOC2.0). This specification supplements and perfects the application of electronic wallet/passbook; adds debit/credit applications compatible with EMV standards; adds standards for physical characteristics of contactless IC cards; adds guidelines for extended applications of electronic wallets, personalized guidelines for debit/credit applications, etc. . This standard has laid a standard foundation for my country's bank card chip, ensuring that my country's bank card chip is universal and safe, and effectively guiding the implementation.

Among them, in the "Electronic Wallet Extended Application Guide", the methods of depositing, withdrawing, consuming, and gray-locking transactions are proposed. After the traditional payment card is gray-locked, other financial transactions or other applications such as loading can no longer be performed. The card is always in the gray-locked state, and the gray-locked state of the card cannot be released until the unlocking or online unlocking transaction is performed. Such cards have a low utilization rate, which increases the complexity of the cardholder's operation, and the gray-locked card brings inconvenience to the user.

Contents of the invention

The technical problem to be solved by the present invention is to provide a gray lock application method for a smart card. The gray locked card can normally carry out transaction processing requirements, which improves the convenience of users and solves the problem of gray lock in the prior art. The card brings inconvenience to users and technical problems.

In order to solve the above technical problems, the present invention provides a smart card gray lock application method, comprising the following steps:

Step A: The terminal sends an initialization gray lock command to the IC card, and the initialization gray lock command contains the expected pre-freeze amount;

Step B: The IC card receives the command from the terminal, sets the actual pre-frozen amount, and returns the actual pre-frozen amount to the terminal;

Step C: The terminal calculates MAC1 according to the actual pre-frozen amount returned by the IC card, and issues a gray lock command;

Step D: The IC card verifies whether the MAC1 issued by the terminal is correct, and calculates GTAC and MAC2 and returns them to the terminal when the verification is correct.

After the IC card is gray-locked on the terminal, it can go to other terminals except the terminal to carry out the transaction operation of the remaining amount in the IC card except the actual pre-frozen amount.

In step B, the IC card checks whether the balance in the electronic wallet file is sufficient for pre-freezing. If the wallet balance is less than the pre-freezing amount entered in the command, the actual pre-freezing amount is set as the balance in the wallet; otherwise, if the wallet balance is greater than or equal to input pre-freeze amount, the actual frozen amount is the expected pre-freeze amount in the command

In step D, the IC card verifies whether the MAC1 issued by the terminal is correct based on the actual pre-frozen amount. If the MAC1 is verified to be correct, calculate GTAC and MAC2 to return to the terminal, and write the transaction content into the internal gray lock transaction details file middle.

It also includes the step of issuing an unlocking command. The terminal with the unlocking function calculates the GMAC according to the actual transaction amount, issues the unlocking command, and the IC card verifies the GMAC according to the unlocking command.

After the terminal issues the unlock command, the steps for the IC card to verify the GMAC may include:

Whether the transaction amount input by the terminal is checked by the IC card is less than or equal to the actual frozen amount inside the IC card, if less than or equal to, the IC card is released, the corresponding transaction amount is deducted, and the TAC is calculated and returned to the terminal; if not, Then the IC card returns an error or other forms of prompts and exits;

After the IC card verifies the GMAC, the IC card will update the entire content of the transaction to the standard transaction details file for external query of the transaction; and set the frozen amount in the internal transaction details file to 0.

It can also include steps to get internal transaction details:

After the step of verifying the GMAC by the IC card is completed, the terminal clears the transaction verification code read flag of the internal transaction detail file to 0.

The invention provides a novel smart card using method based on a pre-freezing mechanism. According to the pre-freeze amount required by the terminal, the payment card checks whether the card has enough balance to pre-freeze, so as to gray lock the card.

A smart IC card, including

Receiving module: according to the expected pre-frozen amount contained in the initialization gray lock command issued by the terminal, set the actual pre-frozen amount of the IC card, and return the actual pre-frozen amount to the terminal;

Processing module: Receive the gray lock command issued by the terminal, and verify whether the MAC1 issued by the terminal is correct, and calculate GTAC and MAC2 and return it to the terminal when the verification is correct.

The processing module is also used to check whether the balance in the electronic wallet file is enough to pre-freeze, if the wallet balance is less than the expected pre-freeze amount in the initialization gray lock command, the actual frozen amount is placed into the balance in the wallet; otherwise if the wallet If the balance is greater than or equal to the expected pre-freeze amount, the actual frozen amount is the expected pre-freeze amount in the command.

It also includes: verification module: check whether the input transaction amount is less than or equal to the actual frozen amount of the IC card, if the transaction amount is less than or equal to the actual frozen amount of the IC card, the IC card will be unlocked and the corresponding transaction amount will be deducted.

After the IC card is gray-locked, you can go to other terminals to carry out the transaction operation of the remaining amount in the IC card except the actual pre-frozen amount.

A smart card terminal comprising

Initialization module: send an initialization gray lock command to the IC card, and the initialization gray lock command contains the expected pre-frozen amount;

Processing module: Calculate MAC1 according to the actual pre-frozen amount returned by the IC card, and issue a gray lock command to the IC card.

Verification module: verify whether the MAC2 returned by the IC card in the processing module is correct.

The processing module also calculates the GMAC according to the actual transaction amount, and issues an unlock command to the IC card.

Among them, MAC1: gray lock data message authentication code;

MAC2: gray lock completion data message authentication code;

GMAC: unlock data message authentication code;

TAC: transaction verification code;

GTAC: Gray lock transaction verification code.

The invention proposes to adopt a new type of smart card gray lock using method, terminal and IC card, so that the terminal can pre-freeze part of the amount in the card according to its own actual situation for corresponding business. After the gray lock, the cardholder can also take the card away, and perform financial transaction operations such as deposit, transfer, and consumption for the remaining amount in the card after removing the pre-frozen amount. In this way, it is ensured that the gray-locked card can normally carry out transaction processing requirements, and the convenience for users is improved. The present invention can reach following beneficial effect:

1. The gray locked card can be used for other financial transactions.

2. Cards that have been gray-locked can be unlocked for amounts less than or equal to the pre-frozen amount.

3. The actual frozen amount in the card can be read out to calculate the actual disposable amount.

4. The disposable amount in the card can be gray-locked for a pre-frozen amount less than or equal to the disposable amount.

Description of drawings

Fig. 1 is a schematic diagram of a modular structure embodiment of a terminal and a smart IC card;

Fig. 2 is the flow chart of Embodiment 1 of the gray lock application method of the present invention;

Fig. 3 is a flow chart of Embodiment 2 of the gray lock application method of the present invention.

Detailed ways

The present invention will be further described below in conjunction with the accompanying drawings. The following examples are only used to illustrate the technical solution of the present invention more clearly, but not to limit the protection scope of the present invention.

Example 1

The application method of the smart card gray lock of the present invention will be described below with reference to FIG. 1 and FIG. 2 .

The smart IC card includes a receiving module, a processing module and a verification module.

The terminal includes an initialization module, a processing module and a verification module.

The terminal sends an initialization gray lock command to the IC card, and the initialization gray lock command contains the expected pre-freeze amount;

The IC card receives the command from the terminal, sets the actual pre-frozen amount, and returns the actual pre-frozen amount to the terminal;

The terminal calculates MAC1 according to the actual pre-frozen amount returned by the IC card, and issues a gray lock command;

The IC card verifies whether the MAC1 issued by the terminal is correct, and calculates GTAC and MAC2 and returns them to the terminal when the verification is correct.

Example 2

The implementation scheme of the pre-freezing mechanism will be described in detail below with reference to FIG. 1 and FIG. 3 .

First, the terminal sends an "initialization gray lock command" to the card, and the data field of the initialization command contains the pre-frozen amount expected by the terminal. The card checks whether the balance in the electronic wallet file is sufficient for pre-freezing. If the wallet balance is less than the pre-freeze amount entered by the command, the pre-freeze amount will be set as the balance in the wallet; otherwise, the wallet balance is greater than or equal to the frozen amount, and the actual frozen amount is The pre-block amount entered in the command.

Subsequently, the terminal calculates MAC1 based on the actual pre-frozen amount returned by the card, and issues a "gray lock command". According to the actual pre-frozen amount returned in the initialization gray lock command, the card verifies whether the MAC1 issued by the terminal is correct. If the MAC1 is verified to be correct, then calculates GTAC and MAC2 for return, and returns the transaction content (such as: the actual pre-frozen amount etc.) into the internal gray lock transaction details file, see Table 2 for the contents of the internal transaction details file.

After the gray lock is completed, the user can take the card to other terminals to carry out the transaction operation of the remaining amount in the card except the pre-frozen amount.

Finally, the terminal calculates the GMAC based on the actual transaction amount, and issues an "unlock command". Check whether the transaction amount entered in the card check command is less than or equal to the actual frozen amount of the card’s internal transaction details. If not, the card will return an error and exit; otherwise, the card will be unlocked, the corresponding transaction amount will be deducted, and the TAC will be calculated and returned. At the same time, the card updates all the content of this transaction to the standard transaction details file for external query of this transaction; and sets the frozen amount in the internal transaction details file to 0. For the content of the internal transaction details file, see table 3.

After the terminal clears the transaction verification code read flag of the internal transaction detailed file to 0 as required, see Table 1 for the content of the internal transaction detailed file.

The following will introduce the formats of the customized initialization gray lock command, gray lock command, and unlock command of the present invention respectively. These three commands complete the entire gray lock usage method based on the pre-freezing mechanism. In addition, an auxiliary command to support the new transaction will be introduced, that is, the command to obtain internal transaction details.

The following explains the meanings of several commonly used letters:

CLA: Class byte

INS: instruction byte

P1: parameter 1

P2: parameter 2

Lc: command data field length

Le: the length of the response data field

Initialize gray lock command format

CLA INS P1 P2 Lc data fields 'E0' '7A' '08' '01' '0B' Including frozen amount

The content of the response message after the command is successfully executed includes the actual frozen amount.

Gray lock command format

CLA INS P1 P2 Lc data field 'E0' '7C' '08' '00' '13' Include MAC1

Among them, the data for calculating MAC1 in the command format needs to include the actual frozen amount.

This command has returned data, and the returned content includes: GTAC, MAC2.

Trip command format

CLA INS P1 P2 Lc data fields 'E0' '7E' '08' '01' '1B' including GMAC

This command has returned data, and the returned content includes: TAC.

Get internal transaction details command format

Among them: when P1='00', when the card is in different states, the content of the obtained internal transaction details file is defined as follows:

Table 1: Normal status response message data fields

Table 2: Gray lock status response message data fields

illustrate Actual frozen amount Status word (=01 means that the current application has been gray-locked) Gray lock transaction type identification Gray-locked EPP (01, other RFU) Gray locked EPP balance The serial number of the gray-locked EPP offline transaction The terminal number when executing GRAY LOCK Date when GRAY LOCK was executed Time when GRAY LOCK is executed MAC2 in gray lock GTAC during gray lock

Table 3: Response message data field when TAC is not read

illustrate Freeze amount (00000000) Status word (=10 means that the current application TAC has not been read)

The last unlocked transaction type identifier EPP released last time (01, other RFU) EPP balance released last time The EPP offline transaction number that was unlocked last time The number of the terminal that performed the trip last time The date of the last unblocking execution The time of the last trip Undeduct transaction amount The last unlocked TAC

The above is only a preferred embodiment of the present invention, it should be pointed out that for those of ordinary skill in the art, without departing from the technical principle of the present invention, some improvements and modifications can also be made. It should also be regarded as the protection scope of the present invention.

Claims (11)

1. a smart card ash lock application process, is characterized in that, comprise following steps:

Steps A: terminal to IC-card lock order of sending out ashing initial, containing the prefreezing amount of money expected in this initial ashing lock order;

The order of step B:IC card receiving terminal, and the actual prefreezing amount of money is set, the actual prefreezing amount of money is returned terminal;

Step C: the actual prefreezing amount of money that terminal returns according to IC-card, calculates MAC1, the order of lower burnt hair lock;

Whether the MAC1 that step D:IC card verification terminal issues is correct, and calculating GTAC, MAC2 return to terminal when verifying correct.

2. smart card ash lock application process according to claim 1, it is characterized in that, after described IC-card completes ash lock on the terminal, other terminal that can arrive outside this terminal of removing carries out the remaining sum transactional operation of the actual prefreezing amount of money of removing in IC-card.

3. smart card ash lock application process according to claim 1, it is characterized in that, in step B, IC-card checks whether the remaining sum in stored value card file enough carries out prefreezing, if wallet balances is less than the prefreezing amount of money inputted in order, just the actual prefreezing amount of money is set to the remaining sum in wallet; If otherwise wallet balances is more than or equal to the prefreezing amount of money of input, then the actual amount of money that freezes is the prefreezing amount of money expected in order.

4. the smart card ash lock application process according to any one of claim 1-3, it is characterized in that, also comprise the step issuing order of triping, calculate GMAC by the terminal with function of triping according to the dealing money of reality, issue order of triping, IC-card is according to the order checking GMAC that trips.

5. smart card ash lock application process according to claim 4, is characterized in that, after terminal issues order of triping, the step of IC-card checking GMAC is:

Check whether dealing money that terminal inputs is less than or equal to the actual of IC-card inside and freezes the amount of money by described IC-card, and when being less than or equal to, IC-card is triped, deduct corresponding dealing money, and calculate TAC and return to terminal.

6. smart card ash lock application process according to claim 5, it is characterized in that, after IC-card verifies that the step of GMAC terminates, this full content of concluding the business is updated in standard transaction details file by IC-card, for external inquiry this time transaction.

7. an intellective IC card, is characterized in that, comprises

Receiver module: according to the prefreezing amount of money of the expectation contained in the initial ashing lock order that terminal issues, the actual prefreezing amount of money of IC-card is set, and the actual prefreezing amount of money can be returned terminal;

Processing module: the ash lock order that receiving terminal issues, and whether the MAC1 that verification terminal issues is correct, and calculating GTAC, MAC2 can return to terminal when verifying correct.

8. intellective IC card according to claim 7, it is characterized in that, described processing module, also for checking whether the remaining sum in stored value card file enough carries out prefreezing, if wallet balances is less than the prefreezing amount of money expected in the order of initial ashing lock, just the actual amount of money that freezes is set to remaining sum in wallet; If otherwise wallet balances is more than or equal to the prefreezing amount of money of expectation, then the actual amount of money that freezes is the prefreezing amount of money expected in order.

9. the intellective IC card according to claim 7 or 8, is characterized in that, also comprises:

Authentication module: check whether the dealing money of input is less than or equal to that IC-card is actual freezes the amount of money, if when dealing money is less than or equal to that IC-card is actual freezes the amount of money, IC-card is triped, and deducts corresponding dealing money.

10. a smart card terminal, is characterized in that, comprises

Initialization module: to IC-card lock order of sending out ashing initial, containing the prefreezing amount of money expected in this initial ashing lock order;

Processing module: the actual prefreezing amount of money returned according to IC-card, calculates MAC1, to burnt hair lock order under IC-card;

Authentication module: whether the MAC2 that checking IC-card returns in processing module is correct.

11. smart card terminals according to claim 10, is characterized in that, described processing module also calculates GMAC according to the dealing money of reality, issues to IC-card order of triping.