An offline transaction method and system based on electronic cash

Abstract

The present invention discloses an offline transaction method and system based on electronic cash, the method comprising: a backend server receives transaction settlement information from at least one smart card and executes electronic cash settlement; abnormal transactions are screened from the transaction settlement information, and identification information of smart cards involved in abnormal transactions is added to an abnormal list of offline transactions of smart cards; the smart card to be traded sends a transaction information acquisition request to a transaction terminal to be traded; the transaction terminal to be traded sends the transaction information to the smart card to be traded; the smart card to be traded detects whether the identification information of the transaction terminal to be traded is in a first abnormal list of offline transactions stored in itself; if not, authentication passing information is sent to the transaction terminal to be traded; the transaction terminal to be traded detects whether the identification information of the smart card to be traded is in a second abnormal list of offline transactions stored in itself; if not, a transaction instruction is generated and the transaction instruction is sent to the smart card.

Description

Technical Field

[0001] The present invention relates to the technical field of electronic transactions, and in particular to an off-line transaction method and system based on electronic cash. Background Art

[0002] In traditional offline transaction applications such as electronic cash, since offline transactions cannot be authenticated online in real time, the backend server cannot clear the electronic cash in time. In the case of offline transactions, the payment terminal stores an electronic cash, which can be consumed repeatedly by users. After each consumption by the user, the payment terminal will deduct the corresponding consumption amount from the card balance. Therefore, there are two types of security issues: First, criminals (payers) may tamper with the card balance and continue to consume when the actual balance is insufficient. Since it is an offline transaction, it cannot be cleared in real time, and the payee and the backend server cannot verify whether the offline transaction is valid in time; second, criminals may use POS machines and other transaction terminals to illegally steal a large number of cards with electronic cash in the card. Since it cannot be cleared in real time, users cannot know in time that the electronic cash in the card has been stolen.

[0003] At present, a blacklist is usually used to prevent fraudulent card transactions. This method generally uses a blacklist set up on a backend server to store all problematic card information such as cards that have not been activated or have had illegal transaction records in the blacklist. Therefore, the amount of data in the blacklist is very large. Due to the large amount of blacklist data, it is often stored on the backend server and cannot be stored in the card. During the transaction, the user needs to connect to the backend to compare the blacklist and check whether the other party's device is on the blacklist. Therefore, there is an urgent need for a better technical solution for electronic cash offline transactions to reduce the amount of blacklist data and avoid the security issues that may arise in the above-mentioned electronic cash offline transactions. Summary of the invention

[0004] The present invention aims to solve one of the above-mentioned problems.

[0005] The main purpose of the present invention is to provide an offline transaction method based on electronic cash;

[0006] Another object of the present invention is to provide an offline transaction system based on electronic cash.

[0007] To achieve the above object, the technical solution of the present invention is specifically implemented as follows:

[0008] On one hand, the present invention provides an offline transaction method based on electronic cash, the method comprising: a backend server generates an abnormal list of offline transactions of a transaction terminal; the backend server receives transaction settlement information from at least one smart card and performs electronic cash settlement; wherein each transaction settlement information at least comprises: at least one transaction information, and the transaction information at least comprises: a transaction amount; the backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, and adds identification information of smart cards involved in abnormal transactions to the abnormal list of offline transactions of smart cards; the transaction terminal to be traded establishes a connection with the smart card to be traded without establishing a connection with the backend server, and sends electronic cash transaction application selection information to the smart card to be traded, wherein the electronic cash The electronic cash transaction application selection information at least includes: identification information of the transaction terminal to be traded; the smart card to be traded receives the electronic cash transaction application selection information without establishing a connection with the backend server, determines that the electronic cash transaction application is activated, generates a transaction information acquisition request, and sends the transaction information acquisition request to the transaction terminal to be traded, wherein the transaction information acquisition request at least includes active field information of the smart card to be traded and identification information of the smart card to be traded; wherein the active field information of the smart card to be traded at least includes: the remaining number of transactions of the smart card to be traded; the transaction terminal to be traded generates transaction information according to the transaction information acquisition request, and sends the transaction information to the smart card to be traded; the smart card to be traded detects the transaction to be traded. Whether the identification information of the transaction terminal is in the first offline transaction exception list stored in itself, wherein the first offline transaction exception list is the transaction terminal offline transaction exception list obtained and stored from the backend server when the smart card to be traded is connected to the backend server; if the identification information of the transaction terminal to be traded is in the first offline transaction exception list, the transaction process is terminated; if the identification information of the transaction terminal to be traded is not in the first offline transaction exception list, authentication pass information is generated and sent to the transaction terminal to be traded; the transaction terminal to be traded detects whether the identification information of the smart card to be traded is in the second offline transaction exception list stored in itself, wherein the second offline transaction exception list is the transaction terminal to be traded. When the terminal establishes a connection with the backend server, the smart card offline transaction exception list is obtained and stored from the backend server; if the identification information of the smart card to be traded is in the second offline transaction exception list, the transaction process is terminated; if the identification information of the smart card to be traded is not in the second offline transaction exception list, whether the active field information of the smart card to be traded is in a valid state is detected, and if the active field information of the smart card to be traded is invalid, the transaction process is terminated; if the active field information of the smart card to be traded is valid, and the transaction terminal to be traded receives the authentication pass information, a transaction instruction is generated and sent to the smart card; wherein, the active field information of the smart card to be traded is valid including: the number of remaining transactions is greater than 0;After receiving the transaction instruction, the smart card to be traded deducts the card balance and changes the active field information of the smart card to be traded according to the transaction information; the smart card to be traded establishes a connection with the backend server, generates transaction settlement information based on all transaction information generated by the smart card to be traded without establishing a connection with the backend server and the electronic cash stored in the smart card, and sends the transaction settlement information to the backend server. ;

[0009] Optionally, the active field information of the smart card to be traded also includes: tradable time, tradable currency code, tradable amount, etc.

[0010] Optionally, the method also includes: the smart card to be traded sends an active field update request to the background server; the background server sends an active field update instruction to the smart card to be traded according to the active field update request; the smart card to be traded rewrites the active field information according to the active field update instruction.

[0011] Optionally, the backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, including: the backend server determines whether the total transaction amount of all transaction information generated by the smart card to be traded without establishing a connection with the backend server is greater than the face value of the electronic cash stored in itself; if the total transaction amount of all transaction information generated by the backend server without establishing a connection is greater than the face value of the electronic cash stored in itself, the transaction settlement information is screened as an abnormal transaction.

[0012] Optionally, after the background server receives transaction settlement information from at least one smart card and performs electronic cash settlement, the method further includes: the background server sends new electronic cash to a smart card; the smart card to be traded receives the new electronic cash and adds the face value of the new electronic cash to its own card balance.

[0013] Another aspect of the present invention provides an offline transaction system based on electronic cash, the system comprising: a backend server, a smart card to be traded and a transaction terminal to be traded; the backend server is used to generate a list of abnormal offline transactions of the transaction terminal; receive transaction settlement information and perform electronic cash settlement; filter abnormal transactions from the transaction settlement information according to a preset algorithm, and add the identification information of the smart card involved in the abnormal transaction to the list of abnormal offline transactions of the smart card; wherein each transaction settlement information at least comprises: at least one transaction information, and the transaction information at least comprises: a transaction amount; the transaction terminal to be traded is used to establish a connection with the smart card to be traded without establishing a connection with the backend server, and send an electronic cash transaction to the smart card to be traded. The electronic cash transaction application selection information includes at least: the identification information of the transaction terminal to be traded; the smart card to be traded is used to receive the electronic cash transaction application selection information without establishing a connection with the backend server, determine the activation of the electronic cash transaction application, and generate a transaction information acquisition request, and send the transaction information acquisition request to the transaction terminal to be traded, the transaction information acquisition request includes at least the active field information of the smart card to be traded and the identification information of the smart card to be traded; wherein the active field information of the smart card to be traded includes at least: the remaining number of transactions of the smart card to be traded; the transaction terminal to be traded is also used to generate transaction information according to the transaction information acquisition request, and send the transaction information to the transaction terminal to be traded. to the smart card to be traded; the smart card to be traded is further used to detect whether the identification information of the transaction terminal to be traded is in a first offline transaction exception list stored in itself, wherein the first offline transaction exception list is a transaction terminal offline transaction exception list obtained and stored from the backend server when the smart card to be traded is connected to the backend server; if the identification information of the transaction terminal to be traded is in the first offline transaction exception list, the transaction process is terminated; if the identification information of the transaction terminal to be traded is not in the first offline transaction exception list, authentication pass information is generated and sent to the transaction terminal to be traded; the transaction terminal to be traded is also used to detect whether the identification information of the smart card to be traded is in a second offline transaction exception list stored in itself In the offline transaction exception list, the second offline transaction exception list is a smart card offline transaction exception list obtained and stored from the backend server when the transaction terminal to be traded establishes a connection with the backend server; if the identification information of the smart card to be traded is in the second offline transaction exception list, the transaction process is terminated; if the identification information of the smart card to be traded is not in the second offline transaction exception list, whether the active field information of the smart card to be traded is in a valid state is detected, and if the active field information of the smart card to be traded is invalid, the transaction process is terminated; if the active field information of the smart card to be traded is valid, and the transaction terminal to be traded receives the authentication pass information, a transaction instruction is generated and sent to the smart card;Among them, the active field information of the smart card to be traded is valid including: the number of remaining transactions is greater than 0; the smart card to be traded is also used to deduct the card balance according to the transaction information and change the active field information of the smart card to be traded after receiving the transaction instruction; establish a connection with the backend server, generate transaction settlement information according to all transaction information generated by the smart card to be traded without establishing a connection with the backend server and the electronic cash stored in itself, and send the transaction settlement information to the backend server. ;

[0014] Optionally, the active field information of the smart card to be traded also includes: tradable time, tradable currency code, tradable amount, etc.

[0015] Optionally, the smart card to be traded is also used to send an active field update request to the background server when the remaining number of transactions in the active field information is 0; the background server is also used to send an active field update instruction to the smart card to be traded according to the active field update request; the smart card to be traded is also used to rewrite the active field information according to the active field update instruction.

[0016] Optionally, the backend server is also used to determine whether the total transaction amount of all transaction information generated by the smart card to be traded without establishing a connection with the backend server is greater than the face value of the electronic cash stored in itself. If the total transaction amount of all transaction information generated by the backend server without establishing a connection is greater than the face value of the electronic cash stored in itself, the transaction settlement information is screened as an abnormal transaction.

[0017] Optionally, the backend server is also used to issue new electronic cash to a smart card; the smart card to be traded is also used to receive the new electronic cash and increase the face value of the new electronic cash to its own card balance.

[0018] It can be seen from the technical solution provided by the present invention that the present invention provides an offline transaction method and system based on electronic cash. Using the technical solution provided by the present invention, the background server lists the identification information of the transaction device (smart card or transaction terminal) with abnormal transactions in the offline transaction abnormal list according to the past transaction settlement situation. The smart card to be traded and the transaction terminal to be traded respectively obtain the offline transaction abnormal list from the background server before the transaction, providing a basis for identity authentication for subsequent electronic cash transactions. Since the offline transaction abnormal list only stores the identification information of the transaction devices that are actively used and have abnormal transactions, compared with the traditional electronic transaction blacklist (the blacklist stores all the information of all problem cards such as all unactivated cards and those with illegal transaction records), the amount of data in the offline transaction abnormal list is greatly reduced, and thus, the offline transaction abnormal list can be stored in the transaction device. In addition, after the smart card to be traded and the transaction terminal verify that the other party is not on the offline transaction abnormal list stored in the terminal, the transaction terminal also needs to verify whether the active field information of the smart card to be traded is in a valid state, for example, whether the remaining number of transactions of the smart card to be traded is greater than zero. Only when the active field information of the smart card to be traded is in a valid state can the offline transaction of electronic cash be completed. Therefore, by limiting the number of offline transactions, on the one hand, when the criminals (payers) tamper with the card balance, that is, when the actual balance is insufficient, it can effectively prevent the criminals from making multiple illegal purchases; on the other hand, if the criminals (payees) use POS machines and other transaction terminals to illegally steal the card with electronic cash, due to the limit on the number of offline transactions of the payment card, the criminals cannot steal the electronic cash multiple times. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative work.

[0020] Figure 1 A flowchart of an electronic cash-based offline transaction method provided in Embodiment 1 of the present invention;

[0021] Figure 2 A schematic diagram of the structure of an electronic cash-based offline transaction system provided in Example 2 of the present invention. DETAILED DESCRIPTION

[0022] The following is a clear and complete description of the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the protection scope of the present invention.

[0023] In the description of the present invention, it should be understood that the terms "center", "longitudinal", "lateral", "upper", "lower", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inside", "outside" and the like indicate positions or positional relationships based on the positions or positional relationships shown in the drawings, and are only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as limiting the present invention. In addition, the terms "first" and "second" are used for descriptive purposes only, and cannot be understood as indicating or implying relative importance, quantity or position.

[0024] In the description of the present invention, it should be noted that, unless otherwise clearly specified and limited, the terms "installed", "connected", and "connected" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection, or it can be indirectly connected through an intermediate medium, or it can be the internal communication of two components. For ordinary technicians in this field, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0025] The embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.

[0026] Example 1

[0027] Figure 1 The flowchart of an offline transaction method based on electronic cash provided in this embodiment. Figure 1 As shown, this embodiment provides an offline transaction method based on electronic cash, the method comprising:

[0028] Step S1: The backend server generates a list of abnormal offline transactions of the transaction terminal;

[0029] Step S2: the backend server receives transaction settlement information from at least one smart card and performs electronic cash settlement; the backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, and adds the identification information of the smart card involved in the abnormal transaction to the smart card offline transaction abnormality list;

[0030] Each transaction settlement information includes at least: at least one transaction information, and the transaction information includes at least: the transaction amount;

[0031] Step S3: The transaction terminal to be traded establishes a connection with the smart card to be traded without establishing a connection with the backend server, and sends electronic cash transaction application selection information to the smart card to be traded;

[0032] The electronic cash transaction application selection information includes at least: identification information of the transaction terminal to be traded;

[0033] Step S4: The smart card to be traded receives the electronic cash transaction application selection information without establishing a connection with the backend server, and determines that the electronic cash transaction application is activated;

[0034] Step S5: The smart card to be traded generates a transaction information acquisition request and sends the transaction information acquisition request to the transaction terminal to be traded;

[0035] The transaction information acquisition request includes at least active field information of the smart card to be traded and identification information of the smart card to be traded; the active field information of the smart card to be traded includes at least: the remaining number of transactions of the smart card to be traded;

[0036] Step S6: The transaction terminal to be traded generates transaction information according to the transaction information acquisition request, and sends the transaction information to the smart card to be traded;

[0037] Step S7-1: the smart card to be traded detects whether the identification information of the transaction terminal to be traded is in the first offline transaction abnormal list stored in the smart card; if the identification information of the transaction terminal to be traded is in the first offline transaction abnormal list, step S7-3 is executed; if the identification information of the transaction terminal to be traded is not in the first offline transaction abnormal list, step S7-2 is executed;

[0038] The first offline transaction abnormality list is a transaction terminal offline transaction abnormality list obtained and stored from the backend server when the smart card to be traded is connected to the backend server;

[0039] Step S7-2: the smart card to be traded generates authentication information and sends the authentication information to the transaction terminal to be traded, and jumps to step S8-1;

[0040] Step S7-3: The smart card to be traded terminates the transaction process;

[0041] Step S8-1: the transaction terminal to be traded detects whether the identification information of the smart card to be traded is in the second offline transaction abnormal list stored in the terminal; if the identification information of the smart card to be traded is in the second offline transaction abnormal list, step S8-4 is executed; if the identification information of the smart card to be traded is not in the second offline transaction abnormal list, step S8-2 is executed;

[0042] The second offline transaction exception list is a smart card offline transaction exception list obtained and stored from the backend server when the transaction terminal to be traded establishes a connection with the backend server;

[0043] Step S8-2: The transaction terminal to be traded detects whether the active field information of the smart card to be traded is in a valid state; if the active field information of the smart card to be traded is invalid, step S8-4 is executed; if the active field information of the smart card to be traded is valid and the transaction terminal to be traded receives the authentication pass information, step 8-3 is executed;

[0044] The active field information of the smart card to be traded is valid including: the number of remaining transactions is greater than 0;

[0045] Step S8-3: The transaction terminal to be traded generates a transaction instruction, sends the transaction instruction to the smart card, and jumps to step S9;

[0046] Step S8-4: The transaction terminal to be traded terminates the transaction process;

[0047] Step S9: After receiving the transaction instruction, the smart card to be traded deducts the card balance according to the transaction information and changes the active field information of the smart card to be traded;

[0048] Step S10: the smart card to be traded establishes a connection with the backend server, generates transaction settlement information based on all transaction information generated by the smart card to be traded without establishing a connection with the backend server and the electronic cash stored in the smart card, and sends the transaction settlement information to the backend server.

[0049] In the offline transaction method based on electronic cash provided in this embodiment, the background server includes the identification information of the transaction device (smart card or transaction terminal) with abnormal transactions in the offline transaction abnormal list according to the past transaction settlement situation. The smart card to be traded and the transaction terminal to be traded respectively obtain the offline transaction abnormal list from the background server before the transaction, providing a basis for identity authentication for subsequent electronic cash transactions. Since the offline transaction abnormal list only stores the identification information of the transaction devices that are actively used and have abnormal transactions, compared with the traditional electronic transaction blacklist (the blacklist stores all the information of all problem cards such as those that are not activated and have illegal transaction records), the data volume of the offline transaction abnormal list is greatly reduced, and thus, the offline transaction abnormal list can be stored in the transaction device. In addition, after the smart card to be traded and the transaction terminal to be traded have verified that the other party is not on the offline transaction abnormal list stored in the terminal, the transaction terminal to be traded also needs to verify whether the active field information of the smart card to be traded is in a valid state, for example, whether the remaining number of transactions of the smart card to be traded is greater than zero. Only when the active field information of the smart card to be traded is in a valid state can the offline transaction of electronic cash be completed. Therefore, by limiting the number of offline transactions, on the one hand, when the criminals (payers) tamper with the card balance, that is, when the actual balance is insufficient, it can effectively prevent the criminals from making multiple illegal purchases; on the other hand, if the criminals (payees) use POS machines and other transaction terminals to illegally steal the card with electronic cash, due to the limit on the number of offline transactions of the payment card, the criminals cannot steal the electronic cash multiple times.

[0050] The following is a detailed description of the interaction process between the smart card, the backend server and the transaction terminal in the method provided in this embodiment:

[0051] Step S1: The backend server generates a list of abnormal offline transactions of transaction terminals.

[0052] In this embodiment, the transaction terminal refers to the transaction device at the payment end, which can be a transaction device such as a mobile phone with an electronic cash offline transaction function, a POS machine, or a smart card-type transaction device. The backend server can screen abnormal transactions according to a preset algorithm, and list the identification information of the transaction terminal that caused the abnormal transaction in the abnormal list of offline transactions of the transaction terminal. The specific method for screening abnormal transactions will be described later in this embodiment.

[0053] Step S2: the backend server receives transaction settlement information from at least one smart card and performs electronic cash settlement; the backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, and adds the identification information of the smart card involved in the abnormal transaction to the smart card offline transaction abnormality list.

[0054] Each transaction settlement information includes at least one transaction information, and the transaction information includes at least the transaction amount.

[0055] In this embodiment, the smart card refers to the transaction device at the payment end. It should be noted that, as an optional implementation, the transaction terminal and the smart card can be the same model of smart card transaction device, that is, the smart card transaction device can have both payment function and payment collection function. For the convenience of explanation, in this embodiment, the smart card transaction device is called a smart card when used as a payment end, and is called a transaction terminal when used as a payment collection end.

[0056] In this embodiment, the transaction information may also include other fields besides the transaction amount, such as transaction time, identification information of the payee's smart card, identification information of the payee's transaction terminal, and the like.

[0057] As an optional implementation, in step S2, the backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, including: the backend server determines whether the total transaction amount of all transaction information generated by the smart card to be traded without establishing a connection with the backend server is greater than the face value of the electronic cash stored in itself; if the total transaction amount of all transaction information generated without establishing a connection with the backend server is greater than the face value of the electronic cash stored in itself, the transaction settlement information is screened as an abnormal transaction.

[0058] In this embodiment, after the smart card is disconnected from the backend server, it is called a smart card to be traded, and the activity field information of each smart card to be traded includes the transaction limit times.

[0059] In this embodiment, after a smart card completes an offline transaction within the transaction limit, step S10 can be executed: the smart card to be traded establishes a connection with the backend server, generates transaction settlement information based on all transaction information generated by the smart card to be traded without establishing a connection with the backend server and the electronic cash stored in the smart card, and sends the transaction settlement information to the backend server. In this way, the smart card to be traded can complete the settlement of electronic cash with the backend server.

[0060] For example, the face value of the electronic cash stored in the smart card A (hereinafter referred to as smart card A) to be traded is 100 yuan, and the transaction limit of smart card A is 3 times. Smart card A can make up to 3 consecutive offline electronic cash payments. After 3 payments, it must establish a connection with the background server and execute the electronic cash clearing process. Smart card A can record the card balance. After each payment, smart card A can deduct the transaction amount of the payment to complete the update of the current card balance. When smart card A is used normally, the total transaction amount of smart card A for 3 consecutive payments will not exceed 100 yuan. After 3 consecutive payments and entering the clearing process, the transaction clearing information sent by smart card A to the background server includes 3 transaction information corresponding to the above 3 payments and the electronic cash stored in smart card A itself; the background server calculates the total transaction amount of the above 3 payments based on the transaction amount of each transaction information received, and determines whether the total transaction amount is greater than the face value of 100 yuan of the electronic cash stored in itself. If the total transaction amount is greater than 100 yuan, the backend server will screen the transaction settlement information as an abnormal transaction and add the identification information of smart card A to the list of abnormal offline transactions of smart cards. Therefore, if the balance of smart card A is tampered by criminals, the total transaction amount of smart card A for three consecutive payments may be greater than 100 yuan. At this time, when the backend server performs electronic cash settlement, it will include the identification information of smart card A in the list of abnormal offline transactions of smart cards, so that smart card A can no longer perform the next offline transaction, effectively preventing criminals from making illegal consumption again.

[0061] As an optional implementation, after the background server receives transaction settlement information from at least one smart card and performs electronic cash settlement, the method also includes: the background server sends new electronic cash to a smart card; the smart card to be traded receives the new electronic cash and adds the face value of the new electronic cash to its own card balance.

[0062] For example, after smart card A has gone through electronic cash clearing, if smart card A is not listed as an abnormal transaction, smart card A can obtain new electronic cash from the background server. Specifically, after smart card A includes the three transaction information corresponding to the above three payments and the electronic cash (100 yuan face value) stored by smart card A itself in the transaction clearing information sent to the background server, smart card A can delete the electronic cash stored by itself, or smart card A sets the electronic cash stored by itself as unavailable. After executing the electronic cash clearing, the background server sends new electronic cash (200 yuan face value) to smart card A. Smart card A receives and stores the new electronic cash, and adds 200 yuan to its current card balance.

[0063] As an optional implementation, the method provided in this embodiment also includes: the smart card to be traded sends an active field update request to the background server; the background server sends an active field update instruction to the smart card to be traded according to the active field update request; the smart card to be traded rewrites the active field information according to the active field update instruction.

[0064] For example, after smart card A makes three consecutive payments, the remaining number of transactions in its active field information is 0. At this time, smart card A can no longer make the next offline transaction and must establish a connection with the backend server and perform electronic cash settlement. After establishing a connection with the backend server, smart card A can send an active field update request to the backend server and receive an active field update instruction sent by the backend server. Among them, the active field update instruction can include a new transaction limit number (for example, 4 times). After receiving the new transaction limit number, smart card A adds the new transaction limit number to the existing transaction limit number, that is, updates the transaction limit number to 4 times. Of course, if smart card A only makes two consecutive payments, the remaining number of transactions in its active field information is 1. At this time, smart card A can also establish a connection with the backend server to request an update of the active field. If the new transaction limit number included in the active field update instruction received by smart card A is 4 times, smart card A adds the new transaction limit number to the existing transaction limit number, that is, updates the transaction limit number to 5 times.

[0065] Therefore, by limiting the number of transactions per smart card, the user of the smart card can be forced to establish a connection with the server before the remaining number of transactions reaches 0, perform electronic cash settlement and update the active field information, thereby avoiding the security issues caused by the long-term use of the smart card in an offline state. If there is an abnormal transaction with the smart card, on the one hand, when the criminals tamper with the card balance for illegal consumption, the background server can promptly discover the abnormal transaction, and include the identification information of the smart card that caused the abnormal transaction in the smart card offline transaction abnormality list to prevent the abnormal smart card from being used again. On the other hand, if the criminals (payee) use POS machines and other transaction terminals to illegally steal the smart card with electronic cash, due to the limit on the number of offline transactions of the payment smart card, after the remaining number of transactions of the smart card reaches 0, the criminals cannot steal the electronic cash multiple times.

[0066] The following is a detailed description of the interaction process between the smart card to be traded and the transaction terminal to be traded in the method provided in this embodiment:

[0067] In this embodiment, after the smart card has been cleared by electronic cash and the number of remaining transactions of the smart card is not 0, the smart card can be used as a smart card to be traded to conduct an offline transaction with the transaction terminal to be traded. The offline transaction includes steps S3 to S9:

[0068] Step S3: The transaction terminal to be traded establishes a connection with the smart card to be traded without establishing a connection with the backend server, and sends electronic cash transaction application selection information to the smart card to be traded; wherein the electronic cash transaction application selection information at least includes: identification information of the transaction terminal to be traded.

[0069] In this embodiment, the identification information of the transaction terminal to be traded is the unique identification of the transaction terminal to be traded, which can be the device serial number of the transaction terminal to be traded. The electronic cash transaction application selection information can also include: an electronic cash transaction application activation instruction, which can be used to activate the application carried on the smart card to be traded.

[0070] Step S4: The smart card to be traded receives the electronic cash transaction application selection information without establishing a connection with the backend server, and determines that the electronic cash transaction application is activated.

[0071] Step S5: The smart card to be traded generates a transaction information acquisition request and sends the transaction information acquisition request to the transaction terminal to be traded; wherein the transaction information acquisition request includes at least the active field information of the smart card to be traded and the identification information of the smart card to be traded; the active field information of the smart card to be traded includes at least: the remaining number of transactions of the smart card to be traded.

[0072] In this embodiment, the identification information of the smart card to be traded is the unique identification of the smart card to be traded, which can be the device serial number of the smart card to be traded. As an optional implementation, the active field information of the smart card to be traded can also include: tradable time, tradable currency code, tradable amount, etc.

[0073] Step S6: The transaction terminal to be traded generates transaction information according to the transaction information acquisition request, and sends the transaction information to the smart card to be traded.

[0074] In this embodiment, the transaction information at least includes the transaction amount, which can be entered by the payee into the transaction terminal to be traded, or obtained by the transaction terminal to be traded in other ways. The transaction information can also include the transaction time, the identification information of the smart card to be traded, the identification information of the transaction terminal to be traded, etc.

[0075] Step S7-1: The smart card to be traded detects whether the identification information of the transaction terminal to be traded is in the first offline transaction exception list stored in itself; if the identification information of the transaction terminal to be traded is in the first offline transaction exception list, execute step S7-3; if the identification information of the transaction terminal to be traded is not in the first offline transaction exception list, execute step S7-2; wherein, the first offline transaction exception list is an offline transaction exception list of transaction terminals obtained and stored from the backend server when the smart card to be traded establishes a connection with the backend server.

[0076] In this embodiment, when the smart card to be traded establishes a connection with the backend server, performs electronic cash clearing or updates the active field, the smart card to be traded can obtain and store the abnormal list of offline transactions of the transaction terminal from the backend server. As an optional implementation, since the transaction terminal can also be a smart card type transaction device with a payment function, when the transaction terminal to be traded is used as a payment device, similar to the electronic cash clearing process of the smart card, when the transaction terminal to be traded performs electronic cash clearing with the backend server, if there is an abnormal transaction, the identification information of the transaction terminal to be traded will be added to the abnormal list of offline transactions of the transaction terminal by the backend server. Of course, the abnormal list of offline transactions of the transaction terminal can also include the identification information of the transaction terminal included in other ways. For example, when the user is a dishonest person or has illegal behavior, the backend server can add the identification information of the transaction terminal under the user's name to the abnormal list of offline transactions of the transaction terminal, thereby refusing the user to use the transaction terminal again. Therefore, compared with the traditional bank blacklist mechanism (the traditional blacklist stores all problem card information such as all unactivated cards and cards with abnormal transaction records), and compared with the traditional electronic transaction blacklist, the amount of data in the offline transaction anomaly list is greatly reduced. Therefore, the offline transaction anomaly list can be stored in the transaction device.

[0077] In addition, as an optional implementation, the transaction terminal offline transaction abnormality list and the smart card offline transaction abnormality list can be two independent lists maintained by the background server respectively. Before the offline transaction, the smart card to be traded obtains the transaction terminal offline transaction abnormality list, and the transaction terminal to be traded obtains the smart card offline transaction abnormality list. As another optional implementation, the background server can merge the transaction terminal offline transaction abnormality list and the smart card offline transaction abnormality list into one offline transaction abnormality list. Before the offline transaction, the smart card to be traded and the transaction terminal to be traded obtain the offline transaction abnormality list from the background server.

[0078] As an optional implementation, before executing step S7-1, the smart card to be traded can also verify whether the transaction amount in the received transaction information is not greater than its own card balance; if the transaction amount is not greater than its own card balance, then execute step S7-1; if the transaction amount is greater than its own card balance, then jump to step S7-3. Of course, in actual applications, the smart card to be traded can have the function of prompting the user of the card balance, and the user can manually determine whether the card balance is sufficient to pay the transaction amount, and will not use the smart card to be traded for payment when the card balance is insufficient.

[0079] Step S7-2: The smart card to be traded generates authentication information and sends the authentication information to the transaction terminal to be traded, and jumps to step S8-1. Thus, the smart card to be traded can confirm that the transaction terminal to be traded has not had any abnormal transactions before and is a trustworthy transaction object by confirming that the identification information of the transaction terminal to be traded is not in the first offline transaction abnormality list.

[0080] Step S7-3: The smart card to be traded terminates the transaction process. Thus, by confirming that the identification information of the transaction terminal to be traded is in the first offline transaction abnormality list, the smart card to be traded can confirm that the transaction terminal to be traded has previously had an abnormal transaction and is an untrustworthy transaction object. The smart card to be traded can terminate the transaction process in time to avoid losses caused by abnormal transactions.

[0081] Step S8-1: The transaction terminal to be traded detects whether the identification information of the smart card to be traded is in the second offline transaction exception list stored in itself; if the identification information of the smart card to be traded is in the second offline transaction exception list, step S8-4 is executed; if the identification information of the smart card to be traded is not in the second offline transaction exception list, step S8-2 is executed. Among them, the second offline transaction exception list is a smart card offline transaction exception list obtained and stored from the background server when the transaction terminal to be traded establishes a connection with the background server. In this embodiment, the generation mechanism of the smart card offline transaction exception list is described in detail in the description paragraph of step S2, which will not be repeated here. Therefore, the transaction terminal to be traded can confirm that the smart card to be traded has not previously undergone abnormal transactions and is a trusted transaction object by confirming that the identification information of the smart card to be traded is not in the first offline transaction exception list.

[0082] Step S8-2: The transaction terminal to be traded detects whether the active field information of the smart card to be traded is in a valid state; if the active field information of the smart card to be traded is invalid, execute step S8-4; if the active field information of the smart card to be traded is valid and the transaction terminal to be traded receives the authentication pass information, execute step 8-3.

[0083] Step S8-3: The transaction terminal to be traded generates a transaction instruction, sends the transaction instruction to the smart card, and jumps to step S9.

[0084] Step S8-4: The transaction terminal to be traded terminates the transaction process. Thus, the smart terminal to be traded can confirm that the smart card to be traded has previously had an abnormal transaction by confirming that the identification information of the smart card to be traded is in the second offline transaction abnormality list, and is an untrustworthy transaction object. The transaction terminal to be traded can terminate the transaction process in time to avoid losses caused by abnormal transactions.

[0085] In this embodiment, the active field information of the smart card to be traded includes at least the number of remaining transactions, and the active field information is valid when the number of remaining transactions is greater than 0. When the transaction terminal to be traded detects that the number of remaining transactions in the received active field information is 0, the active field information is judged to be invalid and the transaction process is terminated. As an optional implementation, the active field information of the smart card to be traded can also include: tradable time, tradable currency code, tradable amount, etc. For example, the active field information of the smart card B to be traded (hereinafter referred to as smart card B) includes: the number of remaining transactions = 2 times, the tradable time = as of X month X day, 20XX, the tradable currency code = RMB, and the tradable amount = 50 yuan. After receiving the active field information sent by smart card B, the transaction terminal to be traded executes step S8-2, that is, judging whether the active field information of smart card B is valid according to the acquired transaction information. Specifically, the transaction information acquired by the transaction terminal to be traded includes at least: transaction time, transaction currency code, and transaction amount. If the transaction terminal to be traded determines that the number of remaining transactions is greater than 0, and determines that the transaction time in the acquired transaction information is on or before X / X / 20XX, the transaction currency code is RMB, and the transaction amount is not greater than 50 yuan, then the active field information of smart card B is determined to be valid. If the transaction terminal to be traded determines that any of the above transaction information is inconsistent with the active field information, then the active field information of smart card B is determined to be invalid, and the transaction process is terminated. Therefore, by verifying whether the active field information of smart card B is valid, the transaction terminal to be traded can verify whether smart card B has previously had abnormal transactions, that is, whether it is a trusted transaction object, and on the other hand, whether this transaction complies with the transaction restrictions of smart card B, such as whether the transaction amount is within the transaction limit of smart card B, etc. Only when the active field information of smart card B is determined to be valid will the transaction continue with it, thereby greatly reducing the possibility of abnormal transactions.

[0086] In this embodiment, step S7 (S7-1 to S7-3) and step S8 (S8-1 to S8-4) do not limit the execution order, that is, when implementing this method, the smart card to be traded can first verify the identification information of the transaction terminal to be traded, and after the verification is passed, the transaction terminal to be traded can verify the identification information and active field information of the smart card to be traded; or the transaction terminal to be traded can first verify the identification information and active field information of the smart card to be traded, and after the verification is passed, the smart card to be traded can verify the identification information of the transaction terminal to be traded; or, the smart card to be traded verifies the identification information of the transaction terminal to be traded and the transaction terminal to be trade verifies the identification information and active field information of the smart card to be traded at the same time, and after both parties are verified, the next step is executed.

[0087] Step S9: After receiving the transaction instruction, the smart card to be traded deducts the card balance according to the transaction information and changes the active field information of the smart card to be traded.

[0088] In this embodiment, after the smart card to be traded and the transaction terminal to be traded have both passed mutual verification, the smart card to be traded can receive a transaction instruction from the transaction terminal to be traded. After receiving the transaction instruction, the smart card to be traded deducts the corresponding transaction amount from its own card balance according to the transaction information received from the transaction terminal to be traded when executing step S7, and changes the active field information of the smart card to be traded. For example, taking the smart card C to be traded (hereinafter referred to as smart card C) as an example, the active field information of smart card C includes: the number of transactions remaining = 2 times, and the current card balance is 100 yuan. The transaction information corresponding to the transaction being executed by smart card C includes: the transaction amount is 60 yuan. Then smart card C executes step S9 specifically as follows: after receiving the transaction instruction, smart card C updates the card balance to 40 yuan, and modifies its own active field information to: the number of transactions remaining = 1 time. As a result, the smart card to be traded can immediately update its own active field information and card balance after each offline transaction, providing a basis for the next offline transaction or electronic cash settlement with the backend server.

[0089] Example 2

[0090] Figure 2 A schematic diagram of the structure of an offline transaction system based on electronic cash provided in this embodiment. Figure 2 , the structure of the system provided in this embodiment is described in detail:

[0091] This embodiment provides an off-line transaction system based on electronic cash, which includes: a background server 10, a smart card 20 to be traded, and a transaction terminal 30 to be traded.

[0092] In this embodiment, the backend server 10 can be a bank server or a server of other financial platforms; the smart card 20 to be traded refers to the transaction device at the payment end; the transaction terminal 30 to be traded refers to the transaction device at the payment end, which can be a transaction device such as a mobile phone, a POS machine, etc. with an electronic cash offline transaction function, or a smart card type transaction device. The smart card 20 to be traded can establish a connection with the backend server 10 through a network connection method such as WIFI, and the transaction terminal 30 to be traded can establish a connection with the backend server 10 through a network connection method such as WIFI. The smart card 20 to be traded and the transaction terminal 30 to be traded can establish a connection through a communication method such as Bluetooth, NFC, etc. to conduct an offline electronic cash transaction. It should be noted that, as an optional implementation, the smart card 20 to be traded and the transaction terminal 30 to be traded are also the same model of smart card type transaction devices, that is, the smart card type transaction device can have both a payment function and a payment function. For the convenience of explanation, in this embodiment, the smart card type transaction device is called a smart card when used as a payment end, and is called a transaction terminal when used as a payment end.

[0093] In this embodiment, the backend server 10 can be used to screen abnormal transactions according to a preset algorithm, and list the identification information of the transaction terminal that caused the abnormal transaction in the abnormal list of offline transactions of the transaction terminal. The specific method of screening abnormal transactions will be described later in this embodiment.

[0094] In this embodiment, the backend server 10 is used to generate an abnormal list of offline transactions of transaction terminals; receive transaction settlement information and perform electronic cash settlement; filter abnormal transactions from the transaction settlement information according to a preset algorithm, and add the identification information of the smart card involved in the abnormal transaction to the abnormal list of offline transactions of the smart card; wherein each transaction settlement information includes at least: at least one transaction information, and the transaction information includes at least: the transaction amount.

[0095] In this embodiment, the transaction information may also include other fields besides the transaction amount, such as transaction time, identification information of the payee's smart card, identification information of the payee's transaction terminal, and the like.

[0096] As an optional implementation, the backend server 10 can also be used to determine whether the total transaction amount of all transaction information generated by the smart card 20 to be traded without establishing a connection with the backend server 10 is greater than the face value of the electronic cash stored in itself. If the total transaction amount of all transaction information generated without establishing a connection with the backend server 10 is greater than the face value of the electronic cash stored in itself, the backend server 10 will screen the transaction settlement information as an abnormal transaction.

[0097] In this embodiment, after the smart card is disconnected from the backend server, it is called a smart card 20 to be traded, and the active field information of each smart card 20 to be traded includes the transaction limit times.

[0098] In this embodiment, after a smart card 20 to be traded completes an offline transaction within a limited number of transactions, the smart card 20 to be traded can also be used to establish a connection with the backend server 10, and generate transaction settlement information based on all transaction information generated by the smart card 20 to be traded without establishing a connection with the backend server 10 and the electronic cash stored in the smart card 20 to be traded, and send the transaction settlement information to the backend server 10. In this way, the smart card 20 to be traded and the backend server 10 can complete the settlement of electronic cash.

[0099] For example, the face value of the electronic cash stored in the smart card A (hereinafter referred to as smart card A) to be traded is 100 yuan, and the transaction limit of smart card A is 3 times. The smart card A can make up to 3 consecutive offline electronic cash payments. After 3 payments, it must establish a connection with the backend server 10 and execute the electronic cash clearing process. Smart card A can record the card balance. After each payment, smart card A can deduct the transaction amount of the payment to complete the update of the current card balance. When smart card A is used normally, the total transaction amount of 3 consecutive payments by smart card A will not exceed 100 yuan. After 3 consecutive payments and entering the clearing process, the transaction clearing information sent by smart card A to the backend server 10 includes 3 transaction information corresponding to the above 3 payments and the electronic cash stored in smart card A itself; the backend server 10 calculates the total transaction amount of the above 3 payments based on the transaction amount of each transaction information received, and determines whether the total transaction amount is greater than the face value of 100 yuan of the electronic cash stored in itself. If the total transaction amount is greater than 100 yuan, the backend server 10 will screen the transaction settlement information as an abnormal transaction and add the identification information of smart card A to the list of abnormal offline transactions of smart cards. Therefore, if the balance of smart card A is tampered by criminals, the total transaction amount of smart card A for three consecutive payments may be greater than 100 yuan. At this time, when the backend server 10 performs electronic cash settlement, it will include the identification information of smart card A in the list of abnormal offline transactions of smart cards, so that smart card A can no longer perform the next offline transaction, effectively preventing criminals from making illegal consumption again.

[0100] As an optional implementation, after the background server 10 receives transaction settlement information from at least one smart card and performs electronic cash settlement, it is also used to issue new electronic cash to a smart card; the smart card 20 to be traded is also used to receive new electronic cash and increase the face value of the new electronic cash to its own card balance.

[0101] For example, after smart card A has gone through electronic cash settlement, if smart card A is not listed as an abnormal transaction, smart card A can obtain new electronic cash from the backend server 10. Specifically, after smart card A includes the three transaction information corresponding to the above three payments and the electronic cash (100 yuan face value) stored in smart card A itself in the transaction settlement information sent to the backend server 10, smart card A can delete the electronic cash stored by itself, or smart card A sets the electronic cash stored by itself as unavailable. After executing the electronic cash settlement, the backend server 10 sends new electronic cash (200 yuan face value) to smart card A. Smart card A receives and stores the new electronic cash, and adds 200 yuan to its current card balance.

[0102] As an optional implementation, the smart card 20 to be traded is also used to send an active field update request to the background server 10; the background server 10 is also used to send an active field update instruction to the smart card 20 to be traded according to the active field update request; the smart card 20 to be traded is also used to rewrite the active field information according to the active field update instruction.

[0103] For example, after smart card A makes three consecutive payments, the remaining number of transactions in its active field information is 0. At this time, smart card A can no longer make the next offline transaction and must establish a connection with the backend server 10 and perform electronic cash settlement. After establishing a connection with the backend server 10, smart card A can send an active field update request to the backend server 10 and receive an active field update instruction sent by the backend server 10. Among them, the active field update instruction can include a new transaction limit number (for example, 4 times). After receiving the new transaction limit number, smart card A adds the new transaction limit number to the existing transaction limit number, that is, updates the transaction limit number to 4 times. Of course, if smart card A only makes two consecutive payments, the remaining number of transactions in its active field information is 1. At this time, smart card A can also establish a connection with the backend server 10 to request an update of the active field. If the new transaction limit number included in the active field update instruction received by smart card A is 4 times, smart card A adds the new transaction limit number to the existing transaction limit number, that is, updates the transaction limit number to 5 times.

[0104] Thus, by limiting the number of transactions per smart card, the user of the smart card can be forced to establish a connection with the server before the remaining number of transactions is 0, perform electronic cash clearing and update the active field information, thereby avoiding the security problems caused by the long-term use of the smart card in an offline state. If there is an abnormal transaction with the smart card, on the one hand, when the criminals tamper with the card balance for illegal consumption, the background server 10 can promptly discover the abnormal transaction, and list the identification information of the smart card that caused the abnormal transaction in the smart card offline transaction abnormal list to avoid the abnormal smart card from being used again. On the other hand, if the criminals (payee) use the POS machine and other transaction terminals to illegally steal the smart card with electronic cash in the circle, due to the limit of the number of offline transactions of the smart card for payment, after the remaining number of transactions of the smart card is 0, the criminals cannot steal the electronic cash multiple times.

[0105] In this embodiment, the transaction terminal 30 to be traded is used to establish a connection with the smart card 20 to be traded without establishing a connection with the background server 10, and send electronic cash transaction application selection information to the smart card 20 to be traded; wherein the electronic cash transaction application selection information at least includes: identification information of the transaction terminal 30 to be traded.

[0106] The identification information of the transaction terminal 30 to be traded is the unique identification of the transaction terminal to be traded, which may be the device serial number of the transaction terminal 30 to be traded. The electronic cash transaction application selection information may also include: an electronic cash transaction application activation instruction, which may be used to activate the application on the smart card to be traded.

[0107] In this embodiment, the smart card 20 to be traded is used to receive electronic cash transaction application selection information, determine the activation of the electronic cash transaction application, and generate a transaction information acquisition request without establishing a connection with the background server 10, and send the transaction information acquisition request to the transaction terminal 30 to be traded. The transaction information acquisition request includes at least the active field information of the smart card 20 to be traded and the identification information of the smart card 20 to be traded; wherein the active field information of the smart card 20 to be traded includes at least: the remaining number of transactions of the smart card 20 to be traded.

[0108] In this embodiment, the identification information of the smart card 20 to be traded is the unique identification of the smart card to be traded, which may be the device serial number of the smart card 20 to be traded. As an optional implementation, the active field information of the smart card 20 to be traded may also include: tradable time, tradable currency code, tradable amount, etc.

[0109] In this embodiment, the transaction terminal 30 to be traded is further used to generate transaction information according to the transaction information acquisition request, and send the transaction information to the smart card 20 to be traded. As an optional implementation, the transaction information at least includes the transaction amount, which can be entered by the payee into the transaction terminal 30 to be traded, or obtained by the transaction terminal 30 to be traded in other ways. The transaction information can also include the transaction time, the identification information of the smart card 20 to be traded, the identification information of the transaction terminal 30 to be traded, and the like.

[0110] In this embodiment, the smart card 20 to be traded is also used to detect whether the identification information of the transaction terminal 30 to be traded is in the first offline transaction abnormality list stored in itself, wherein the first offline transaction abnormality list is a transaction terminal offline transaction abnormality list obtained and stored from the backend server 10 when the smart card 20 to be traded is connected to the backend server 10; if the identification information of the transaction terminal 30 to be traded is in the first offline transaction abnormality list, the transaction process is terminated; if the identification information of the transaction terminal 30 to be traded is not in the first offline transaction abnormality list, authentication pass information is generated and sent to the transaction terminal 30 to be traded;

[0111] In this embodiment, when the smart card 20 to be traded establishes a connection with the backend server 10, performs electronic cash clearing or updates the active field, the smart card 20 to be traded can be used to obtain and store the abnormal list of offline transactions of the transaction terminal from the backend server 10. As an optional implementation, since the transaction terminal 30 to be traded can also be a smart card type transaction device with a payment function, when the transaction terminal 30 to be traded is used as a payment device, similar to the electronic cash clearing process of the smart card, when the transaction terminal 30 to be traded performs electronic cash clearing with the backend server 10, if there is an abnormal transaction, the identification information of the transaction terminal 30 to be traded will be added to the abnormal list of offline transactions of the transaction terminal by the backend server 10. Of course, the abnormal list of offline transactions of the transaction terminal can also include the identification information of the transaction terminal included by other means. For example, when the user is a dishonest person or has illegal behavior, the backend server 10 can add the identification information of the transaction terminal under the user's name to the abnormal list of offline transactions of the transaction terminal, thereby refusing the user to use the transaction terminal again. Therefore, compared with the traditional bank blacklist mechanism (the traditional blacklist stores all problem card information such as all unactivated cards and cards with abnormal transaction records), and compared with the traditional electronic transaction blacklist, the amount of data in the offline transaction anomaly list is greatly reduced. Therefore, the offline transaction anomaly list can be stored in the transaction device.

[0112] In addition, as an optional implementation, the transaction terminal offline transaction abnormality list and the smart card offline transaction abnormality list can be two independent lists maintained by the background server 10. Before the offline transaction, the smart card 20 to be traded obtains the transaction terminal offline transaction abnormality list, and the transaction terminal 30 to be traded obtains the smart card offline transaction abnormality list. As another optional implementation, the background server 10 can merge the transaction terminal offline transaction abnormality list and the smart card offline transaction abnormality list into one offline transaction abnormality list. Before the offline transaction, the smart card 20 to be traded and the transaction terminal 30 to be traded obtain the offline transaction abnormality list from the background server 10.

[0113] As an optional implementation, the smart card 20 to be traded can also be used to verify whether the transaction amount in the received transaction information is not greater than its own card balance; if the transaction amount is not greater than its own card balance, the transaction will continue; if the transaction amount is greater than its own card balance, the transaction process will be terminated. Of course, in actual applications, the smart card 20 to be traded can have the function of prompting the user of the card balance, for example, the smart card 20 to be traded can be provided with a display screen, and the card balance is displayed to the user through the display screen. The user can manually determine whether the card balance is sufficient to pay the transaction amount, and will not use the smart card 20 to be traded for payment when the card balance is insufficient.

[0114] Therefore, the smart card 20 to be traded can confirm that the transaction terminal 30 to be traded has not had any abnormal transactions before and is a trustworthy transaction object by confirming that the identification information of the transaction terminal 30 to be traded is not in the first offline transaction exception list; the smart card 20 to be traded can confirm that the transaction terminal 30 to be traded has had abnormal transactions before and is an untrustworthy transaction object by confirming that the identification information of the transaction terminal 30 to be traded is in the first offline transaction exception list. The smart card 20 to be traded can terminate the transaction process in time to avoid losses caused by abnormal transactions.

[0115] In this embodiment, the transaction terminal 30 to be traded is also used to detect whether the identification information of the smart card 20 to be traded is in the second offline transaction exception list stored in itself, wherein the second offline transaction exception list is a smart card offline transaction exception list obtained and stored from the backend server 10 when the transaction terminal 30 to be traded establishes a connection with the backend server 10; if the identification information of the smart card 20 to be traded is in the second offline transaction exception list, the transaction process is terminated; if the identification information of the smart card 20 to be traded is not in the second offline transaction exception list, detect whether the active field information of the smart card 20 to be traded is in a valid state, if the active field information of the smart card 20 to be traded is invalid, terminate the transaction process; if the active field information of the smart card 20 to be traded is valid, and the transaction terminal 30 to be traded receives the authentication pass information, a transaction instruction is generated and sent to the smart card; wherein, the active field information of the smart card 20 to be traded is valid including: the remaining number of transactions is greater than 0.

[0116] Thus, the transaction terminal 30 to be traded can confirm that the smart card 20 to be traded has not had any abnormal transactions before and is a trustworthy transaction object by confirming that the identification information of the smart card 20 to be traded is not in the first offline transaction exception list; and by confirming that the identification information of the smart card to be traded is in the second offline transaction exception list, it can be confirmed that the smart card 20 to be traded has had any abnormal transactions before and is an untrustworthy transaction object. The transaction terminal to be traded can terminate the transaction process in time to avoid losses caused by abnormal transactions.

[0117] In this embodiment, the active field information of the smart card 20 to be traded includes at least the number of remaining transactions, and the active field information is valid when the number of remaining transactions is greater than 0. When the transaction terminal 30 to be traded detects that the number of remaining transactions in the received active field information is 0, the active field information is judged to be invalid and the transaction process is terminated. As an optional implementation, the active field information of the smart card 20 to be traded can also include: tradable time, tradable currency code, tradable amount, etc. For example, the active field information of the smart card B to be traded (hereinafter referred to as smart card B) includes: the number of remaining transactions = 2 times, the tradable time = as of X month X day, 20XX, the tradable currency code = RMB, and the tradable amount = 50 yuan. After the transaction terminal 30 to be traded receives the active field information sent by the smart card B, it determines whether the active field information of the smart card B is valid according to the acquired transaction information. Specifically, the transaction information acquired by the transaction terminal 30 to be traded includes at least: transaction time, transaction currency code, and transaction amount. If the transaction terminal 30 to be traded determines that the number of remaining transactions is greater than 0, and determines that the transaction time in the acquired transaction information is on or before X / X / 20XX, the transaction currency code is RMB, and the transaction amount is not greater than 50 yuan, then the active field information of smart card B is determined to be valid. If the transaction terminal 30 to be traded determines that any of the above transaction information is inconsistent with the active field information, then the active field information of smart card B is determined to be invalid, and the transaction process is terminated. Therefore, by verifying whether the active field information of smart card B is valid, the transaction terminal 30 to be traded can verify whether smart card B has previously had abnormal transactions, that is, whether it is a trusted transaction object, and on the other hand, whether this transaction complies with the transaction restrictions of smart card B, such as whether the transaction amount is within the transaction limit of smart card B, etc. Only when it is determined that the active field information of smart card B is valid will the transaction continue with it, thereby greatly reducing the possibility of abnormal transactions.

[0118] In this embodiment, the smart card 20 to be traded can first verify the identification information of the transaction terminal 30 to be traded, and after the verification is passed, the transaction terminal 30 to be traded can verify the identification information and active field information of the smart card 20 to be traded; the transaction terminal 30 to be traded can also first verify the identification information and active field information of the smart card 20 to be traded, and after the verification is passed, the smart card 20 to be traded can verify the identification information of the transaction terminal 30 to be traded; or, the smart card 20 to be traded verifies the identification information of the transaction terminal 30 to be traded and the transaction terminal 30 to be traded verifies the identification information and active field information of the smart card 20 to be traded at the same time, and after both parties are verified, the next transaction process is executed.

[0119] In this embodiment, the smart card 20 to be traded is also used to deduct the card balance and change the active field information of the smart card 20 to be traded according to the transaction information after receiving the transaction instruction; establish a connection with the background server 10, generate transaction settlement information based on all transaction information generated by the smart card 20 to be traded without establishing a connection with the background server 10 and the electronic cash stored in itself, and send the transaction settlement information to the background server 10.

[0120] In this embodiment, after the smart card 20 to be traded and the transaction terminal 30 to be traded have both passed mutual authentication, the smart card 20 to be traded is also used to receive a transaction instruction from the transaction terminal 30 to be traded. After receiving the transaction instruction, the smart card 20 to be traded is also used to deduct the corresponding transaction amount from its own card balance according to the received transaction information, and change the active field information of the smart card to be traded. For example, taking the smart card C to be traded (hereinafter referred to as smart card C) as an example, the active field information of smart card C includes: the number of transactions remaining = 2 times, and the current card balance is 100 yuan. The transaction information corresponding to the transaction being executed by smart card C includes: the transaction amount is 60 yuan. Then smart card C executes step S9 specifically as follows: after receiving the transaction instruction, smart card C updates the card balance to 40 yuan, and modifies its own active field information to: the number of transactions remaining = 1 time. As a result, the smart card to be traded can immediately update its own active field information and card balance after each offline transaction, providing a basis for the next offline transaction or electronic cash settlement with the backend server.

[0121] In the electronic cash-based offline transaction system provided in this embodiment, the backend server 10 includes the identification information of the transaction device (smart card or transaction terminal) with abnormal transactions in the offline transaction abnormal list according to the past transaction settlement situation. The smart card 20 to be traded and the transaction terminal 30 to be traded respectively obtain the offline transaction abnormal list from the backend server 10 before the transaction, providing a basis for identity authentication for subsequent electronic cash transactions. Since the offline transaction abnormal list only stores the identification information of the transaction devices that are actively used and have abnormal transactions, compared with the traditional electronic transaction blacklist (the blacklist stores all the information of all problem cards such as those that are not activated and have illegal transaction records), the data volume of the offline transaction abnormal list is greatly reduced, and thus, the offline transaction abnormal list can be stored in the transaction device. In addition, after the smart card 20 to be traded and the transaction terminal 30 to be traded have verified that the other party is not in the offline transaction abnormal list stored in itself, the transaction terminal 30 to be traded also needs to verify whether the active field information of the smart card 20 to be traded is in a valid state, for example, whether the remaining number of transactions of the smart card 20 to be traded is greater than zero. Only when the active field information of the smart card 20 to be traded is in a valid state can the offline transaction of electronic cash be completed. Therefore, by limiting the number of offline transactions, on the one hand, when the criminals (payers) tamper with the card balance, that is, when the actual balance is insufficient, it can effectively prevent the criminals from making multiple illegal consumptions; on the other hand, if the criminals (payees) use POS machines and other transaction terminals to illegally steal the card with electronic cash, due to the limit on the number of offline transactions of the payment card, the criminals cannot steal the electronic cash multiple times.

[0122] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a specific logical function or process, and the scope of the preferred embodiments of the present invention includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present invention belong.

[0123] It should be understood that the various parts of the present invention can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, a plurality of steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0124] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0125] In addition, each functional unit in each embodiment of the present invention may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0126] The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0127] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0128] Although the embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and cannot be understood as limiting the present invention. Those skilled in the art may change, modify, replace and modify the above embodiments within the scope of the present invention without departing from the principles and purpose of the present invention. The scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. An offline transaction method based on electronic cash, characterized in that: include: The backend server generates a list of abnormal offline transactions of the trading terminal; The backend server receives transaction settlement information from at least one smart card and performs electronic cash settlement; wherein each of the transaction settlement information at least includes: at least one transaction information, and the transaction information at least includes: a transaction amount; The backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, and adds identification information of smart cards involved in the abnormal transactions to a list of abnormal offline transactions of smart cards; The transaction terminal to be traded establishes a connection with the smart card to be traded without establishing a connection with the backend server, and sends electronic cash transaction application selection information to the smart card to be traded, wherein the electronic cash transaction application selection information at least includes: identification information of the transaction terminal to be traded and an electronic cash transaction application activation instruction, and the electronic cash transaction application activation instruction is used to activate the application carried on the smart card to be traded; The smart card to be traded receives the electronic cash transaction application selection information without establishing a connection with the backend server, determines that the electronic cash transaction application is activated, generates a transaction information acquisition request, and sends the transaction information acquisition request to the transaction terminal to be traded, wherein the transaction information acquisition request at least includes the active field information of the smart card to be traded and the identification information of the smart card to be traded; wherein the active field information of the smart card to be traded at least includes: the remaining number of transactions, the tradable time, the tradable currency code and the tradable amount of the smart card to be traded; The transaction terminal to be traded generates the transaction information according to the transaction information acquisition request, and sends the transaction information to the smart card to be traded; The smart card to be traded detects whether the identification information of the transaction terminal to be traded is in a first offline transaction abnormality list stored in the smart card to be traded, wherein the first offline transaction abnormality list is a transaction terminal offline transaction abnormality list obtained and stored from the backend server when the smart card to be traded is connected to the backend server; If the identification information of the transaction terminal to be traded is in the first offline transaction abnormality list, terminating the transaction process; If the identification information of the transaction terminal to be traded is not in the first offline transaction abnormal list, generating authentication pass information and sending the authentication pass information to the transaction terminal to be traded; The transaction terminal to be traded detects whether the identification information of the smart card to be traded is in a second offline transaction exception list stored in the transaction terminal, wherein the second offline transaction exception list is a smart card offline transaction exception list obtained and stored from the backend server when the transaction terminal to be traded establishes a connection with the backend server; If the identification information of the smart card to be traded is in the second offline transaction abnormality list, terminating the transaction process; If the identification information of the smart card to be traded is not in the second offline transaction abnormality list, detect whether the active field information of the smart card to be traded is in a valid state. If the active field information of the smart card to be traded is invalid, terminate the transaction process; if the active field information of the smart card to be traded is valid, and the transaction terminal to be traded receives the authentication pass information, generate a transaction instruction, and send the transaction instruction to the smart card; wherein, the active field information of the smart card to be traded is valid including: the remaining number of transactions is greater than 0, and it is judged that the transaction time in the transaction information is on or before the tradable time in the active field information, the transaction currency code in the transaction information is the tradable currency code in the active field information, and the transaction amount in the transaction information is not greater than the tradable amount in the active field information; After receiving the transaction instruction, the smart card to be traded deducts the card balance according to the transaction information and changes the active field information of the smart card to be traded; The smart card to be traded establishes a connection with the backend server, generates the transaction settlement information according to all transaction information generated by the smart card to be traded without establishing a connection with the backend server and the electronic cash stored in the smart card, and sends the transaction settlement information to the backend server.

2. The method according to claim 1, characterized in that The method further comprises: The smart card to be traded sends an active field update request to the backend server; The backend server sends an active field update instruction to the smart card to be traded according to the active field update request; The smart card to be traded rewrites the active field information according to the active field update instruction.

3. The method according to claim 1, characterized in that The backend server screens abnormal transactions from the transaction settlement information according to a preset algorithm, including: The backend server determines whether the total transaction amount of all transaction information generated by the smart card to be traded without establishing a connection with the backend server is greater than the face value of the electronic cash stored in itself. If the total transaction amount of all transaction information generated by the backend server without establishing a connection is greater than the face value of the electronic cash stored in itself, the transaction settlement information is screened as an abnormal transaction.

4. The method according to claim 1, characterized in that: After the backend server receives transaction settlement information from at least one smart card and performs electronic cash settlement, the method further includes: The backend server sends new electronic cash to one of the smart cards; The smart card to be traded receives the new electronic cash and increases the face value of the new electronic cash to its own card balance.

5. An offline transaction system based on electronic cash, characterized in that: The system comprises: a backend server, a smart card to be traded and a transaction terminal to be traded; The backend server is used to generate an abnormal list of offline transactions of transaction terminals; receive transaction settlement information and perform electronic cash settlement; screen abnormal transactions from the transaction settlement information according to a preset algorithm, and add the identification information of the smart card involved in the abnormal transaction to the abnormal list of offline transactions of smart cards; wherein each of the transaction settlement information at least includes: at least one transaction information, and the transaction information at least includes: transaction amount; The transaction terminal to be traded is used to establish a connection with the smart card to be traded without establishing a connection with the backend server, and send electronic cash transaction application selection information to the smart card to be traded; wherein the electronic cash transaction application selection information at least includes: identification information of the transaction terminal to be traded and an electronic cash transaction application activation instruction, and the electronic cash transaction application activation instruction is used to activate the application carried on the smart card to be traded; The smart card to be traded is used to receive the electronic cash transaction application selection information without establishing a connection with the backend server, determine that the electronic cash transaction application is activated, and generate a transaction information acquisition request, and send the transaction information acquisition request to the transaction terminal to be traded, wherein the transaction information acquisition request at least includes the active field information of the smart card to be traded and the identification information of the smart card to be traded; wherein the active field information of the smart card to be traded at least includes: the remaining number of transactions, the tradable time, the tradable currency code and the tradable amount of the smart card to be traded; The transaction terminal to be traded is further used to generate the transaction information according to the transaction information acquisition request, and send the transaction information to the smart card to be traded; The smart card to be traded is further used to detect whether the identification information of the transaction terminal to be traded is in a first offline transaction abnormality list stored in the smart card to be traded, wherein the first offline transaction abnormality list is a transaction terminal offline transaction abnormality list obtained and stored from the backend server when the smart card to be traded is connected to the backend server; If the identification information of the transaction terminal to be traded is in the first offline transaction abnormality list, terminating the transaction process; If the identification information of the transaction terminal to be traded is not in the first offline transaction abnormal list, generating authentication pass information and sending the authentication pass information to the transaction terminal to be traded; The transaction terminal to be traded is further used to detect whether the identification information of the smart card to be traded is in a second offline transaction exception list stored in the transaction terminal, wherein the second offline transaction exception list is a smart card offline transaction exception list obtained and stored from the backend server when the transaction terminal to be traded establishes a connection with the backend server; If the identification information of the smart card to be traded is in the second offline transaction abnormality list, terminating the transaction process; If the identification information of the smart card to be traded is not in the second offline transaction abnormality list, detect whether the active field information of the smart card to be traded is in a valid state. If the active field information of the smart card to be traded is invalid, terminate the transaction process; if the active field information of the smart card to be traded is valid, and the transaction terminal to be traded receives the authentication pass information, generate a transaction instruction, and send the transaction instruction to the smart card; wherein, the active field information of the smart card to be traded is valid including: the remaining number of transactions is greater than 0, and it is judged that the transaction time in the transaction information is on or before the tradable time in the active field information, the transaction currency code in the transaction information is the tradable currency code in the active field information, and the transaction amount in the transaction information is not greater than the tradable amount in the active field information; The smart card to be traded is also used to, after receiving the transaction instruction, deduct the card balance and change the active field information of the smart card to be traded according to the transaction information; establish a connection with the backend server, generate the transaction settlement information based on all transaction information generated by the smart card to be traded without establishing a connection with the backend server and the electronic cash stored in the smart card, and send the transaction settlement information to the backend server.

6. The system according to claim 5, characterized in that The smart card to be traded is further used to send an active field update request to the backend server when the remaining number of transactions in the active field information is 0; The backend server is further used to send an active field update instruction to the smart card to be traded according to the active field update request; The smart card to be traded is also used to rewrite the active field information according to the active field update instruction.

7. The system according to claim 5, characterized in that The backend server is further used to determine whether the total transaction amount of all transaction information generated by the smart card to be traded without establishing a connection with the backend server is greater than the face value of the electronic cash stored in itself. If the total transaction amount of all transaction information generated by the backend server without establishing a connection is greater than the face value of the electronic cash stored in itself, the transaction settlement information is screened as an abnormal transaction.

8. The system according to claim 5, characterized in that The backend server is also used to issue new electronic cash to one of the smart cards; The smart card to be traded is also used to receive the new electronic cash and increase the face value of the new electronic cash on its own card balance.

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