Non-networked data processing device, and non-networked data interaction system and method

Abstract

The invention provides a non-networked data processing device, and a non-networked data interaction system and method. The non-networked data processing device comprises an interaction interface used for realizing data interaction with an external reading device in a non-contact mode; an electronic wallet used for carrying out electronic payment processing through the interaction interface based on a consumption command sent by the external reading device; a self-charging module used for according to preset conditions, charging the electronic wallet in an advance amount range preset in the non-networked data processing device; and a detail recording module used for recording the electronic payment details of the electronic wallet and the charging details of the self-charging module.

Description

technical field [0001] The present invention relates to the technical field of data processing, and in particular to an off-network data processing device capable of realizing off-network payment, an off-network data interaction system and a method. Background technique [0002] At present, almost all electronic money cards as data processing devices that support non-networking operations on the market, such as smart cards for small consumption, are almost based on the financial IC card specification of the People's Bank of China (industry standard "China Financial Integrated Circuit (IC) Card Specification", The industry referred to as PBOC specification) electronic wallet or electronic cash card. Its structure such as Figure 4 As shown, it includes electronic wallet, top-up consumption transaction detail record module and related interfaces. They are all prepaid cards, that is, the user must first increase the balance in the card at the service outlet or designated termi...

AI Technical Summary

Problems solved by technology

This application mode has the following disadvantages: prepaid card top-up or loading often requires the cardholder to go to the service outlet and wait in line for a long time, which is time-consuming and troublesome; the funds on the prepaid card are deposited in the bank account of the issuer, and the user cannot Enjoy the benefits brought by it; the card issuer needs to invest a lot of manpower, material and financial resources to build recharge outlets and purchase recharge machines; and when the recharge process is abnormal, it is easy to cause disputes and complaints

The current status of domestic credit payment is: credit transactions are all-network transactions, and information such as credit line and available line of customers is stored in the background of the bank, and POS machines must connect to banks through the network for real-time interaction of customer identity information, credit information and other data ; Moreover, the transaction process of credit consumption is relatively complicated. After the transaction, the user needs to sign for confirmation, and some of them also need to enter a password. The process is cumbersome

These current situations determine that credit payment is more suitable for large-amount payment scenarios that do not require a high payment time, such as shopping, but it is difficult to apply to small-amount payment scenarios that require rapid transit, such as buses and subways.

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