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A bluetooth smart card and its method for controlling transaction risk

A smart card and Bluetooth technology, applied in the field of smart cards, can solve the problems of poor security and convenience, and achieve the effect of improving security and convenience

Active Publication Date: 2018-05-04
FEITIAN TECHNOLOGIES
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] In the prior art, the smart card needs to pass through the financial terminal (for example: POS machine) to complete the financial transaction, and there are many risks in the transaction process, and the security and convenience are poor

Method used

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  • A bluetooth smart card and its method for controlling transaction risk
  • A bluetooth smart card and its method for controlling transaction risk
  • A bluetooth smart card and its method for controlling transaction risk

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0038] This embodiment adopts a method for controlling transaction risk of a bluetooth smart card, such as figure 1 shown, including:

[0039] Step s1: establishing a Bluetooth connection between the Bluetooth smart card and the mobile terminal;

[0040] Step s2: the Bluetooth smart card receives the transaction instruction from the mobile terminal through the Bluetooth channel;

[0041] Step s3: The Bluetooth smart card performs transaction preparation according to the transaction instruction and its own transaction preparation method to obtain the transaction preparation result, and updates the terminal verification result according to the transaction preparation result;

[0042] In this embodiment, updating the terminal verification result according to the transaction preparation result may specifically be: if the transaction preparation result is a failure, then update the data on the risk bit in the terminal verification result to the second value to obtain the updated t...

Embodiment 2

[0138] This embodiment provides a method for Bluetooth smart card control transaction risk, such as figure 2 shown, including:

[0139] Step 101: establishing a Bluetooth connection between the Bluetooth smart card and the mobile terminal;

[0140] In this embodiment, the mobile terminal may be, but not limited to, a mobile phone.

[0141] Step 102: The Bluetooth smart card receives the transaction instruction from the mobile terminal through the Bluetooth channel;

[0142] For example, the transaction instruction received by the Bluetooth smart card from the mobile terminal through the Bluetooth channel is: 7e 43 00 0039 00 00 00 00 00 00 00 15 12 24 17 09 28 1F 61 06 13 81 11 11 23 4F 1F 62 0612 34 56 78 9A BC 1F 63 06 19 21 68 00 12 12 1F 64 07 66 65 69 74 69 61 6E 1F65 04 01 04 00 04.

[0143] Step 103: The Bluetooth smart card obtains risk control data and transaction information from the transaction instruction;

[0144] In this embodiment, the risk control data is ...

Embodiment 3

[0309] This embodiment provides a method for controlling transaction risks with a Bluetooth smart card, including:

[0310] Step 301: establishing a Bluetooth connection between the Bluetooth smart card and the mobile terminal;

[0311] In this embodiment, the mobile terminal may be, but not limited to, a mobile phone.

[0312]Step 302: The Bluetooth smart card receives the transaction instruction from the mobile terminal through the Bluetooth channel;

[0313] Step 303: The Bluetooth smart card obtains risk control data and transaction information from the transaction instruction;

[0314] In this embodiment, the risk control data is the risk control data of the Bluetooth smart card during the execution of the transaction, which may include, but is not limited to: the hardware serial number of the mobile terminal, the communication number of the mobile terminal, the Bluetooth MAC address of the mobile terminal, the mobile terminal’s At least one of information such as IP ad...

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PUM

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Abstract

The invention discloses a Bluetooth intelligent card and a method for controlling transaction risks through the Bluetooth intelligent card. The Bluetooth intelligent card can complete financial transactions without financial terminals; after transaction orders are received, whether transaction risks exist or not is judged according to the transaction orders; if the risks exist, the transaction preparation mode is updated as a safer level to be used for transaction preparation, and the terminal behavior result is updated according to the transaction preparation result, and / or terminal behavior codes are updated before behavior analysis is carried out; then behavior analysis is carried out according to the terminal verification result and the terminal behavior codes to obtain the behavior analysis result, and if the behavior analysis result is an authorization request cryptogram, the transaction authorization result is set as on-line processing, and on-line transactions are carried out through on-line processing and mobile terminals; if the behavior analysis result is an application authentication cryptogram, the transaction authorization result is set as transaction rejection, the Bluetooth intelligent card refuses the transactions, and therefore the safety and the convenience of the transactions are improved.

Description

technical field [0001] The invention relates to the field of smart cards, in particular to a bluetooth smart card and a method for controlling transaction risks. Background technique [0002] In the prior art, the smart card needs to pass through a financial terminal (for example: POS machine) to complete the financial transaction, and there are many risks in the transaction process, and the security and convenience are poor. Contents of the invention [0003] The invention provides a bluetooth smart card and a method for controlling transaction risks, which solve the above technical problems. [0004] The present invention provides a method for controlling transaction risk of a bluetooth smart card, comprising: [0005] Step s1: establishing a Bluetooth connection between the Bluetooth smart card and the mobile terminal; [0006] Step s2: the Bluetooth smart card receives a transaction instruction from the mobile terminal through a Bluetooth channel; [0007] Step s3: ...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40H04W4/80
CPCG06Q20/401H04W4/80
Inventor 陆舟于华章
Owner FEITIAN TECHNOLOGIES