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A smart card and its multi-account balance sharing method in the card

A smart card and account balance technology, applied in the field of smart cards, can solve the problems of incompatibility with other terminals, high maintenance cost of smart cards, waste of resources, etc.

Active Publication Date: 2020-10-13
FEITIAN TECHNOLOGIES
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In the prior art, there are many types of smart cards, such as encrypted memory cards (M1 cards), industrial application cards supporting electronic wallet applications, and financial cards supporting electronic cash applications. Among them, encrypted memory cards store M1 account , the industry application card stores the electronic wallet account, and the financial card stores the electronic cash account, and because the account balances in various smart cards are independent, each smart card can only be used on the terminal that supports its own application, and cannot be compatible with other terminal
As a result, the smart card industry has problems such as high maintenance costs and serious waste of resources.

Method used

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  • A smart card and its multi-account balance sharing method in the card
  • A smart card and its multi-account balance sharing method in the card
  • A smart card and its multi-account balance sharing method in the card

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0036] This embodiment provides a method for sharing balances of multiple accounts in a smart card, such as figure 1 shown, including:

[0037] Step s1: the smart card receives the instruction, when the smart card receives the application selection instruction from the financial terminal, execute step s2; when the smart card receives the application transaction instruction from the financial terminal, execute step s6;

[0038] In this embodiment, step s1 may also include: after receiving the M1 consumption instruction from the M1 terminal, execute step r1;

[0039] Step r1: The smart card detects whether its own M1 transaction status flag is set, and if so, reports an error to the M1 terminal; otherwise, executes step r2;

[0040] Step r2: The smart card calculates the current M1 balance, updates the M1 balance to the current M1 balance, and returns consumption success information to the M1 terminal.

[0041] Among them, calculate the current M1 balance, update the M1 balanc...

Embodiment 2

[0092] This embodiment provides a method for sharing balances of multiple accounts in a smart card, such as figure 2 shown, including:

[0093] Step 101: The smart card waits to receive an instruction from the terminal; when receiving the M1 consumption instruction from the M1 terminal, execute step 102; when receiving the selection application instruction from the financial terminal, execute step 104; when receiving the After the electronic wallet transaction instruction, execute step 108; after receiving the electronic cash transaction instruction from the financial terminal, execute step 115;

[0094] Specifically, the smart card waits to receive an instruction from the terminal; when receiving the M1 consumption instruction from the M1 terminal through the first communication channel, execute step 102; when receiving the selection application instruction from the financial terminal through the second communication channel, execute Step 104: After receiving the electronic...

Embodiment 3

[0150] This embodiment provides a method for sharing balances of multiple accounts in a smart card, such as Figure 3-Figure 5 shown, including:

[0151] Step 201: The smart card waits to receive an instruction from the terminal. After receiving the application selection instruction from the terminal, execute step 202; after receiving the transaction initialization instruction from the terminal, execute step 301; when receiving the acquisition processing option from the terminal After the instruction, execute step 401;

[0152] In the method for sharing balances of multiple accounts in a smart card provided in this embodiment, the terminal is specifically a financial terminal.

[0153] Step 202: the smart card detects whether the M1 transaction status flag is set, if yes, then execute step 216; otherwise, execute step 203;

[0154] Step 203: the smart card obtains the M1 wallet copy address in the M1 storage area from the second storage area of ​​the virtual machine, and obt...

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PUM

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Abstract

The invention discloses a smart card and a smart card multi-account balance sharing method. The method comprises the following steps that: the smart card receives an instruction, after an application selection instruction from a financial terminal is received, whether an M1 transaction status flag is set or not is detected, the quantity relationship of an M1 balance, an electronic purse balance and an electronic cash balance is judged if the M1 transaction status flag is not set, the electronic purse balance and the electronic cash balance are independently updated to the M1 balance if the M1 balance is minimum, an application is selected, an application selection success response is returned, and the instruction is continuously received; when an application trading instruction from the financial terminal is received, a current account balance is calculated according to a trading amount in the application trading instruction, wherein the current account balance is a current electronic purse balance or a current electronic cash balance; and the M1 transaction status flag is set, the transaction is started, the M1 balance, the electronic purse balance and the electronic cash balance are independently updated into the current account balance, the transaction is closed, the M1 transaction status flag is set, and a trading success response is returned.

Description

technical field [0001] The invention relates to the field of smart cards, in particular to a smart card and a multi-account balance sharing method in the smart card. Background technique [0002] In the prior art, there are many types of smart cards, such as encrypted memory cards (M1 cards), industrial application cards supporting electronic wallet applications, and financial cards supporting electronic cash applications. Among them, encrypted memory cards store M1 account , the industry application card stores the electronic wallet account, and the financial card stores the electronic cash account, and because the account balances in various smart cards are independent, each smart card can only be used on the terminal that supports its own application, and cannot be compatible with other terminal. As a result, there are problems such as high maintenance costs and serious waste of resources in the smart card industry. Therefore, there is an urgent need for a smart card th...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/06G06Q20/10G06Q20/34
CPCG06Q20/0655G06Q20/105G06Q20/3572
Inventor 陆舟于华章
Owner FEITIAN TECHNOLOGIES