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Instantaneous consumption application processing method and system for intelligent card

An application processing and smart card technology, applied in the field of smart card applications, can solve problems that affect transaction security, reliability and stability, cannot meet the requirements of instantaneous consumption occasions, and prolong transaction time, so as to ensure transaction security and save transaction time , the effect of reducing processing time

Inactive Publication Date: 2011-11-23
WUHAN TIANYU INFORMATION IND
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

According to the existing application specifications, there must be 4 interactions between the card and the terminal during the transaction, and each step takes a certain amount of time, forming an accumulation that lengthens the transaction time. If the transaction process is compressed and the instructions are streamlined, it will affect the security of the transaction. Reliability and stability, so that there is a contradiction between the speed improvement and safety and reliability of smart cards in instantaneous consumption transactions
Therefore, the existing consumption application processing flow cannot meet the requirements of instantaneous consumption occasions

Method used

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  • Instantaneous consumption application processing method and system for intelligent card
  • Instantaneous consumption application processing method and system for intelligent card
  • Instantaneous consumption application processing method and system for intelligent card

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Embodiment Construction

[0049] Refer below figure 1 Describe in detail an embodiment of the smart card instant consumption application processing of the present invention; as shown in the figure, the implementation of a smart card instant consumption application processing in this embodiment mainly includes the following processes:

[0050] In the consumption initialization step S1, the terminal security control module (PSAM) calculates the temporary session key and the consumption ciphertext according to the preset encryption rules according to the random number response data obtained by the terminal from the card;

[0051] In the consumption instruction checking step S2, after receiving the instantaneous consumption instruction sent by the terminal, the card checks the transaction key data of the instantaneous consumption instruction, and verifies the consumption ciphertext;

[0052] In the consumption instruction processing step S3, after the transaction key data check and the consumption cipherte...

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Abstract

The invention discloses an instantaneous consumption application processing method for an intelligent card. The instantaneous consumption application processing method comprises the steps of: consumption initialization: a terminal safety control module is used for calculating a temporary session key and a consumption ciphertext according to the random number taking response data obtained by a terminal from a card and a preset encryption rule; consumption instruction checking: the card receives the instantaneous consumption instruction sent from the terminal, and then checks the trading key data of the instantaneous consumption instruction and verifying the consumption ciphertext; and consumption instruction processing: after the trading key data checking and consumption ciphertext validation are passed, the consumption is processed. The invention also discloses a corresponding instantaneous consumption processing system for the intelligent card. The instantaneous consumption application processing method and system for the intelligent card can be used for increasing the instantaneous trading speed and ensuring the safety, reliability and stability of trading simultaneously, and meet the requirements of various high-speed consumption occasions.

Description

technical field [0001] The invention relates to smart card application technology, in particular to a smart card instant consumption application processing method and system. Background technique [0002] With the rapid development of smart card (ie card) technology, its application fields are becoming wider and wider, especially the large-scale application in the public transportation and consumption fields in the form of electronic money. At the same time, there are increasingly higher requirements for the security and speed of the card during the transaction process. At present, the smart cards used in the fields of transportation and consumption basically follow the PBOC wallet / passbook application specification, which clearly stipulates the transaction process and instructions of the card and the terminal during the transaction. The general process is: the card executes the consumption initialization, and the terminal generates the consumption transaction Key data veri...

Claims

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Application Information

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IPC IPC(8): G06Q20/00
Inventor 莫若张俊郭懿嵩
Owner WUHAN TIANYU INFORMATION IND
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