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Process-type transaction card processing method

A processing method and card processing technology, which is applied in the field of smart cards, can solve problems such as increased card swiping time, complexity and cumbersomeness, and increased probability of reprocessing, so as to increase the success rate and pass rate, save storage space, and reduce transaction time.

Inactive Publication Date: 2011-07-20
天津渤海化学股份有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] However, the above-mentioned use of composite consumption transactions to process process-type transactions has the following disadvantages. 1. In order to record the complete information including the last unfinished card swiping in the terminal when withholding the last consumption, it is necessary to record the last transaction time in the composite transaction record , the terminal number of the last swiped card, the last operator and other information will inevitably occupy the storage space in the card; 2. The two-time combined consumption increases the card swiping time compared with ordinary consumption. As a non-contact card, the success rate of card swiping is also reduced after the time is extended, and the probability of reprocessing increases, which reduces the passing speed of the cardholder; 3. The terminal software needs to carry out withholding. After the deduction, the withholding record is kept, and then a new composite consumption is started. For this kind of card that needs to be withheld, the operation of the terminal is equivalent to two operations, which is complicated and cumbersome; 4. After the withholding record is uploaded to the background, it needs to adjust the account and transfer. The existing city pass card is often used in multiple industries and enterprises, such as subway, bus, small payment, etc. Adjusting the account will inevitably involve manpower, material resources and all parties. Benefit

Method used

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Experimental program
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Embodiment 1

[0019] Embodiment 1: The typical process transaction of multi-ticket bus is now described.

[0020] To complete a process-based consumer transaction, it is first necessary to set the terminal type in advance. For the public transport industry, there are settings for getting on and off the doors, the boarding terminal setting only handles revocable consumption transactions, and the disembarking terminal setting only handles undoable consumption transactions.

[0021] Consumption starts S10, the cardholder gets on the car and swipes the card, after the terminal judges the legitimacy of the card, calculates the revocable consumption amount, issues an initialization reversible consumption transaction command S20, and initializes the reversible consumption transaction command S30 for transaction card processing, the terminal issues Revocable consumption buffer command S40, transaction card processing cancelable consumption buffer command S50, terminal / PSAM processing generates MAC1...

Embodiment 2

[0026] Embodiment 2: Now take the case where the cardholder of the transaction card misses the ticket as an example and only performs reversible consumption transactions for illustration.

[0027] Set the amount in the cardholder's consumption card to 100 yuan. There are 11 bus stops in total. The consumption method is 1 yuan at every stop. The cardholder starts from the first stop, and the terminal performs a revocable consumption command on the transaction card. The consumption amount is calculated according to the maximum possibility of missing tickets. The distance between the 1st station and the 11th station is 10 stations, which is 10 yuan. If 10 yuan is subtracted, the amount in the transaction card becomes 90 yuan. When the cardholder gets off at the third station, the terminal calculates that the cardholder is actually from 1 station to 3 stations, with a total distance of 2 stations. The consumption should be 2 yuan, and the cancellation order is calculated as 10 yuan...

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Abstract

The invention discloses a process-type transaction card processing method. The process-type transaction comprises two parts, namely revocable consumer transaction and revocatory consumer transaction, wherein the revocable consumer transaction comprises the following steps of: initializing a revocable consumer transaction command, processing the revocable consumer transaction command, sending a revocable consumption buffer command, processing the revocable consumption buffer command, and performing the revocable consumer transaction command and processing; and the revocatory consumer transaction comprises the following steps of: initializing a revocatory consumer transaction command, processing the revocatory consumer transaction command, and performing the revocatory consumer transaction command and the processing. The method has the advantages that: the loss of an operation unit caused by card swiping missing at the end section of the consumption of a card holder and processing difficult problems that: 1, withholding information processing parts of a card, a machine and a clearing system are saved, and 2, an existing part of a system is not involved when the system expands to a process-type transaction field are solved. By the method, the defects of the central processing unit (CPU) card process-type transaction are overcome; therefore, the method is particularly suitable for industries such as financial and non-financial integrated circuit (IC) cards.

Description

technical field [0001] The invention relates to a smart card, the operating system in the card is specially designed for processing process transactions, that is, it relates to a processing method of a process transaction card that can cancel consumption and cancel consumption. Background technique [0002] Smart cards are widely used in various fields, such as the non-contact CPU card on the bus, which can realize the operation of single deduction; according to the PBOC2.0ED / EP standard and the technical requirements of the CPU card operating system of construction enterprises, today All smart cards are processed by basic consumption transactions, with high speed and strong security, and are widely used in single ticket system and small consumption. [0003] In addition to the commonly used consumption transactions of single ticket system and small consumption, there is also a typical transaction: this transaction is a process-based transaction mode. This transaction mode ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G07G1/12
Inventor 纪鸿舜
Owner 天津渤海化学股份有限公司