IC card transaction exception processing method and acceptance terminal for realizing the processing method

Abstract

The invention relates to a processing method for IC card transaction abnormity. The method comprises: a transaction abnormity preprocessing step, a terminal determining whether a last IC card transaction record is read successfully or not, if the last IC card transaction record is not successfully obtained, determining that transaction is abnormal and storing transaction information of current transaction and entering the next current transaction re-swiping step, on the other hand, if the last IC card transaction record is successfully obtained, determining that abnormal transaction does not occur; a current transaction re-swiping step, if current transaction re-swiping is performed in first set time and the last IC card transaction record is read, performing offline data authentication, when the offline data authentication is successful, prompting that transaction is successful, when the offline data authentication is failed, prompting that transaction is failed. According to the method, when abnormal transaction occurs, flash card processing can be performed immediately, and the method realizes flash card processing on part of cards to which balance is not returned.

Description

technical field [0001] The invention relates to data processing technology, in particular to a transaction abnormal processing method and an acceptance terminal for realizing the above-mentioned method when abnormality occurs in reading IC card data by a transaction terminal. Background technique [0002] In the prior art, the offline consumption transaction of contactless electronic cash is relatively sensitive to the residence time of card swiping. If the time for swiping the contactless IC card is too short, it will easily lead to transaction failure; if the time for swiping the card is too long, the customer experience will be poor. The following situations may occur within a certain time window: when the non-contact IC card leaves the transaction terminal or machine, the transaction on the card side is successful (for example, the non-contact IC card has been successfully debited), but the transaction terminal does not receive the card The latest transaction record ret...

AI Technical Summary

Problems solved by technology

However, this solution is not suitable for stock cards that have already been issued, especially in the real environment where the amount of stock cards is huge, and the transformation cost is huge

[0004] It can be seen that in the existing market, although electronic cash flash cards often occur, there is actually no suitable method to effectively solve them. Until now, the terminal still mainly does not process flash cards, which greatly affects the transaction success rate. and the experience of cardholders, it puts pressure on the error handling of card issuing banks and acquiring banks, and also affects the enthusiasm of merchants to accept IC cards

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