Method for supporting multi-bank smart card off-line trade

Abstract

The invention provides a method for supporting multi-bank smart card off-line trade, which is characterized in that two consumer keys for calculating correlation, two TAC (Terminal Access Controller) keys for calculating independence and two transfer keys for calculating correlation are set in a user card; two transmission keys for calculating correlation are set in a PSAM (Pilot Symbol Assisted Modulation) card; one of the two keys in each type is maintained by a card issuing organization, and the other one in each type is maintained by a card issuing bank; a plurality of consumer keys are set in the PSAM card, one of the consumer keys is maintained by the card issuing organization, the other one is maintained by the card issuing bank, and the others are respectively maintained by joining banks; and the consumer keys of the joining banks are set into the PSAM card after being encrypted by the two transmission keys. Through a smart card issued in a system, the off-line trade can be implemented on terminals distributed by all the banks in the system, so that the safety of a payment system is also ensured.

Description

technical field [0001] The invention relates to the field of smart card payment. Background technique [0002] The current smart card payment system can be operated by commercial banks alone. Commercial banks issue user cards and PSAM cards themselves, and arrange payment terminals. The issued user cards can only execute offline transactions on payment terminals equipped with PSAM cards issued by the bank; When the terminal of other banks is required to support the user card issued by the bank to perform offline transactions, it is necessary to configure the PSAM card issued by the bank on the terminal of the associated bank; when the terminal of the bank is required to support the user cards issued by other banks to perform offline transactions When using the bank, it is necessary to configure the PSAM card provided by the associated bank on the terminal of the bank; this method increases the cost and is inconvenient. [0003] Or, several banks are united, and the financia...

AI Technical Summary

Problems solved by technology

[0002] The current smart card payment system can be operated by commercial banks alone. Commercial banks issue user cards and PSAM cards themselves, and arrange payment terminals. The issued user cards can only execute offline transactions on payment terminals equipped with PSAM cards issued by the bank; When the terminal of other banks is required to support the user card issued by the bank to perform offline transactions, it is necessary to configure the PSAM card issued by the bank on the terminal of the associated bank; when the terminal of the bank is required to support the user cards issued by other banks to perform offline transactions , it is necessary to configure the PSAM card provided by the associated bank on the terminal of the bank; this method increases the cost and is inconvenient

[0003] Or, several banks are united, and the financial management unit issues the PSAM card and injects the consumption key into the user card, and the card-issuing bank injects the loading key into the user card, that is, the financial management unit manages the consumption key. The card-issuing bank manages the transfer key; the user card issued in this way can execute offline transactions on the terminal installed with the PSAM card issued by the financial management unit; however, when other banks other than the financial management unit need to join When using this payment system, there are the same problems as commercial banks need to provide PSAM cards when they issue cards separately

[0004] Of course, to solve the above problems, the issuing bank can provide the participating bank with the PSAM card that has been issued or even in use and the key to modify the consumption key of the PSAM card, and the joining bank can add new consumption to the PSAM card issued by the issuing bank. Key; but this method needs to take back the PSAM card in use by the user first, inject the consumption key of the bank and then issue it, which is also troublesome and affects the use of the payment terminal

[0005] The reason for the above problems is mainly due to the strict principle of key management, the key of the financial unit can only be calculated inside the system, and cannot be transmitted on the line in plain text; moreover, the key cannot be managed by other financial units , otherwise, the financial unit will take huge risks when there is a counterfeit card

[0006] In order to overcome the limitations of the above-mentioned smart card inter-bank offline transaction, the present invention provides a method for supporting multi-bank smart card offline transaction, so as to realize the smart card inter-bank offline transaction business

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