Automatic transfer method, transaction device and storage medium

Abstract

The invention provides an automatic load method, transaction equipment and a storage medium, the automatic load method is applied to the transaction equipment, and the automatic load method comprises the following steps: the transaction equipment automatically initiates load preset condition check; generating an initial load response message under the condition that a load preset condition is met, and sending the initial load response message to a service background system; receiving a load instruction generated by the business background system through performing verification processing on the initial load response message; and deducting the load amount value from the digital currency application according to the load amount value indicated by the load instruction, and adding the load amount value to a balance value corresponding to the business application. Through the method, the transaction efficiency of the transfer transaction is improved, so that the user has good experience when using the transaction equipment to carry out the transfer transaction.

Description

Technical Field

[0001] The present application relates to the technical field of electronic currency transaction, and in particular to an automatic cash-on-deposit method, transaction equipment and storage medium. Background Art

[0002] There have been many explorations of digital currency in the field of financial payment. However, digital currency transactions in application scenarios such as public transportation, subways, and small payments are subject to various restrictions on digital currency transactions in application scenarios. For example, the one-card application in business applications is a mainstream transaction application, but if digital RMB is accepted when the one-card application is used for a deposit transaction, this deposit transaction will create a transaction barrier.

[0003] At present, if digital currency is to realize automatic deposit transactions in multiple application scenarios, it is usually necessary to transform at least one of the payment equipment, acceptance equipment, and back-end systems in the upstream and downstream of the industry. This will cause problems such as high transformation costs, resource redundancy, and long processing cycles, reducing transaction efficiency in multi-scenario applications, and thus making the user experience poor when conducting deposit transactions. Summary of the invention

[0004] In view of this, the purpose of the present application is to provide an automatic deposit method, transaction equipment and storage medium. Under the premise of no or little modification of the acceptance end equipment, through the transaction equipment that simultaneously supports multiple transaction applications such as digital currency applications or business applications, when the preset conditions for deposit are met, the transaction equipment deducts the deposit amount value through the digital currency application, and adds it to the balance value corresponding to the business application, thereby realizing automatic deposit transactions in the transaction equipment without any feeling, improving the transaction efficiency of the deposit transaction, and allowing users to have a good experience when using the transaction equipment for deposit transactions.

[0005] The embodiment of the present application provides an automatic deposit method, which is applied to a transaction device; wherein the transaction device is installed with a business application and a digital currency application, and has transaction permissions for the business application and the digital currency application; the transaction device can control transaction communication between the business application and the digital currency application, and the automatic deposit method includes:

[0006] The transaction device automatically initiates a check on preset conditions for loading;

[0007] If the preset loading condition is met, an initial loading response message is generated, and the initial loading response message is sent to the business backend system;

[0008] Receiving a top-up instruction generated by the business backend system through verification processing of the initial top-up response message;

[0009] According to the loading amount value indicated by the loading instruction, the loading amount value is deducted from the digital currency application and added to the balance value corresponding to the business application.

[0010] Furthermore, the transaction device automatically initiates a check on preset conditions for loading, including:

[0011] The transaction device obtains a balance value corresponding to the business application according to a preset time interval or a preset event;

[0012] By comparing the balance value with a preset threshold, it is determined whether the balance value corresponding to the business application is less than the preset threshold.

[0013] Furthermore, after the balance value corresponding to the business application is increased, the method further includes:

[0014] Generate the top-up data corresponding to the top-up instruction, and send the top-up data to the business backend system.

[0015] Furthermore, the top-up data includes at least one of top-up update transaction information and a top-up transaction verification code.

[0016] Furthermore, when the preset loading condition is met, generating an initial loading response message includes:

[0017] When the preset loading condition is met, an initial loading instruction is generated for the business application to start the loading transaction;

[0018] Determining whether the initial credit instruction is supported by the business application;

[0019] If supported, the initial reload instruction is securely processed to generate security data for secure access by the transaction device;

[0020] An initial credit response message including the security data is generated according to the security data.

[0021] Furthermore, the security data includes at least one of a pseudo-random number, a process key and a first message authentication code.

[0022] Furthermore, before deducting the loading amount value from the digital currency application according to the loading amount value indicated by the loading instruction and adding it to the balance value corresponding to the business application, the method further includes:

[0023] By parsing the loading instruction, verifying the second message authentication code included in the loading instruction with the message authentication data corresponding to the transaction device, so as to determine whether the loading instruction is valid;

[0024] If valid, the value of the loading amount indicated by the loading instruction is determined.

[0025] Further, the deducting the deposit amount value from the digital currency application according to the deposit amount value indicated by the deposit instruction and adding it to the balance value corresponding to the business application includes:

[0026] According to the credit-loading instruction, determining a response execution subject of the credit-loading instruction in the transaction device; the response execution subject includes an MCU module in the transaction device or the business application;

[0027] The response execution entity deducts the deposit amount value from the digital currency application according to the deposit amount value indicated by the deposit instruction, and adds it to the balance value corresponding to the business application.

[0028] The embodiment of the present application also provides a transaction device, which includes an MCU module, a security unit and a communication module:

[0029] The MCU module is used for the transaction device to automatically initiate a preset condition check for the loading amount; according to the loading amount value indicated by the loading instruction, the loading amount value is deducted from the digital currency application and added to the balance value corresponding to the business application.

[0030] A security unit, used to generate an initial top-up response message when a preset top-up condition is met;

[0031] The communication module is used to send the initial top-up response message to the business backend system; and receive the top-up instruction generated by the business backend system through verification processing of the initial top-up response message.

[0032] Furthermore, when the MCU module is used for the transaction device to automatically initiate a check on preset conditions for loading, the MCU module is used to:

[0033] The transaction device obtains a balance value corresponding to the business application according to a preset time interval or a preset event;

[0034] By comparing the balance value with a preset threshold, it is determined whether the balance value corresponding to the business application is less than the preset threshold.

[0035] Furthermore, the MCU module is also used for:

[0036] Generate the credit data corresponding to the credit instruction.

[0037] Furthermore, the communication module is also used for:

[0038] The deposit data is sent to the business backend system.

[0039] Further, when the security unit is used to generate an initial loading response message when the preset loading condition is met, the security unit is used to:

[0040] When the preset loading condition is met, an initial loading instruction is generated for the business application to start the loading transaction;

[0041] Determining whether the initial credit instruction is supported by the business application;

[0042] If supported, the initial reload instruction is securely processed to generate security data for secure access by the transaction device;

[0043] An initial credit response message including the security data is generated according to the security data.

[0044] Furthermore, the safety unit is also used for:

[0045] By parsing the loading instruction, verifying the second message authentication code included in the loading instruction with the message authentication data corresponding to the transaction device, so as to determine whether the loading instruction is valid;

[0046] If valid, the value of the loading amount indicated by the loading instruction is determined.

[0047] Further, when the MCU module is used to deduct the loading amount value from the digital currency application according to the loading amount value indicated by the loading instruction and add it to the balance value corresponding to the business application, the MCU module is used to:

[0048] According to the credit-loading instruction, determining a response execution subject of the credit-loading instruction in the transaction device; the response execution subject includes an MCU module or a business application in the transaction device;

[0049] The response execution subject deducts the deposit amount value from the digital currency application according to the deposit amount value indicated by the deposit instruction, and adds it to the balance value corresponding to the business application.

[0050] Furthermore, the transaction device also includes an NFC communication unit, a power supply system and a USB interface;

[0051] The power supply system is connected to the MCU module, the security unit, the communication module and the USB interface respectively; the NFC communication unit is connected to the communication module; and the USB interface is connected to the communication module.

[0052] An embodiment of the present application also provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the above-mentioned method xx are executed.

[0053] The automatic loading method, transaction device and storage medium provided in the embodiment of the present application, the automatic loading method is applied to the transaction device; wherein the transaction device is installed with a business application and a digital currency application, and has the transaction authority of the business application and the digital currency application; the transaction device can control the transaction communication between the business application and the digital currency application, and the automatic loading method comprises: the transaction device automatically initiates a loading preset condition check; when the loading preset condition is met, generates an initial loading response message, and sends the initial loading response message to the business background system; receives a loading instruction generated by the business background system through verification processing of the initial loading response message; according to the loading amount value indicated by the loading instruction, deducts the loading amount value from the digital currency application, and adds it to the balance value corresponding to the business application.

[0054] Compared with the existing method of modifying the payment equipment, acceptance machines, and back-end systems of the upstream and downstream industries and interacting through the contact between the transaction application card and the load acceptance device to perform load transactions, under the premise of no or little modification of the acceptance machine, through the transaction device that simultaneously supports transaction applications such as digital currency applications or business applications, when the preset load conditions are met, the transaction device deducts the load amount value through the digital currency application and adds it to the balance value corresponding to the business application, thereby realizing automatic load transactions in the transaction device without feeling, improving the transaction efficiency of the load transactions, and allowing users to have a good experience when using the transaction device for load transactions.

[0055] In order to make the above-mentioned objects, features and advantages of the present application more obvious and easy to understand, preferred embodiments are specifically cited below and described in detail with reference to the attached drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for use in the embodiments will be briefly introduced below. It should be understood that the following drawings only show certain embodiments of the present application and therefore should not be regarded as limiting the scope. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0057] Figure 1 One of the flow charts of an automatic deposit method provided in an embodiment of the present application;

[0058] Figure 2The second flowchart of an automatic deposit method provided in an embodiment of the present application;

[0059] Figure 3 One of the structural schematic diagrams of a transaction device provided in an embodiment of the present application;

[0060] Figure 4 This is a second structural diagram of a transaction device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0061] To make the purpose, technical scheme and advantages of the embodiments of the present application clearer, the technical scheme in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all of the embodiments. The components of the embodiments of the present application usually described and shown in the drawings here can be arranged and designed in various different configurations. Therefore, the following detailed description of the embodiments of the present application provided in the drawings is not intended to limit the scope of the application claimed for protection, but merely represents the selected embodiments of the present application. Based on the embodiments of the present application, each other embodiment obtained by those skilled in the art without making creative work belongs to the scope of protection of the present application.

[0062] Research has found that at present, if digital RMB is to be accepted in the one-card application, it is usually necessary to transform at least one of the payment equipment, acceptance equipment, and back-end systems in the upstream and downstream of the industry, which will cause problems such as high transformation costs, resource redundancy, and long processing cycles.

[0063] For different application transaction scenarios, the top-up of the transaction application is performed through the contact between the transaction application card and the top-up acceptance device to interact with the top-up transaction. For example, when the balance of the one-card application included in the transaction application is too low, the user is required to take the one-card card to the top-up acceptance device for top-up, which reduces the transaction efficiency in multi-scenario applications and makes the user experience poor when performing top-up transactions.

[0064] Based on this, the embodiment of the present application provides an automatic deposit method. Under the premise of no or little modification of the acceptance end equipment, through the transaction device that simultaneously supports multiple transaction applications such as digital currency applications or business applications, when the preset conditions for deposit are met, the transaction device deducts the deposit amount value through the digital currency application, and adds it to the balance value corresponding to the business application, thereby realizing automatic deposit transactions in the transaction device without any sense, improving the transaction efficiency of the deposit transaction, and allowing users to have a good experience when using the transaction device for deposit transactions.

[0065] See also Figure 1 , Figure 1This is one of the flow charts of an automatic deposit method provided in an embodiment of the present application. Figure 1 As shown in , the automatic deposit method provided in the embodiment of the present application is applied to a transaction device; wherein the transaction device is installed with a business application and a digital currency application, and has transaction rights for the business application and the digital currency application; the transaction device can control the transaction communication between the business application and the digital currency application, including:

[0066] S101, the transaction device automatically initiates a check on preset conditions for loading.

[0067] It should be noted that the transaction device is installed with business applications and digital currency applications, and has transaction permissions for the business applications and the digital currency applications; the transaction device can control transaction communications between the business applications and the digital currency applications; illustratively, the transaction device is suitable for electronic consumer cards, smart cards or electronic certificates, etc., for various transaction scenarios including cash-on-dip transactions.

[0068] Among them, business applications are set in transaction devices and can be applied to transaction applications in transaction scenarios. Business applications include one-card applications, smart card applications or electronic certificate applications, etc.; specifically, common one-card applications can realize transaction functions such as telephone IC cards, identity IC cards, transportation IC cards, bank transaction cards and comprehensive consumption cards in multiple scenarios.

[0069] In one possible implementation of the present application, digital currency applications include but are not limited to digital RMB applications and digital bank applications, etc.; among which, digital currency applications support dual offline transactions, that is, automatic deposit transactions can still be performed when the transaction device is in an environment where the network is disconnected or the signal is poor.

[0070] For example, assume that a transaction device has a campus card application (i.e., a business application) and a bank card application (i.e., a digital currency application). When the campus card application receives a load request from the transaction device, the transaction device immediately generates a load instruction to verify whether the load instruction meets the conditions. Through the automatic load method of the transaction device, the balance of the bank card application is deducted and added to the campus card application to execute the specific instructions of the load request.

[0071] Here, the transaction device conducts a deposit transaction through the installed transaction application, which means that the user deposits the amount of money in the bank account (bank card account or digital RMB account) into a business application that may include business applications, and the deposited funds are used by the user to consume business applications in specific consumption scenarios.

[0072] In this step, the MCU module of the transaction device is the execution subject. In order to realize the automatic recharge transaction of the transaction device, in the specific implementation, first, the transaction device will have two situations, including obtaining the balance value corresponding to the business application according to a preset time interval or a preset event; then, by comparing the balance value with a preset threshold, it is determined whether the balance value corresponding to the business application is less than the preset threshold; finally, according to the judgment result, it is determined whether the preset conditions for recharge are met.

[0073] In one implementation of the present application, during specific implementation, step S101 may include:

[0074] S1011. The transaction device obtains a balance value corresponding to the business application according to a preset time interval or a preset event.

[0075] The following will describe in detail the methods for obtaining the balance corresponding to the business application through the transaction device according to different considerations (preset events and time intervals):

[0076] In one possible implementation of the present application, the transaction device may obtain a balance value corresponding to a business application according to a preset event; wherein the preset event includes but is not limited to a non-scheduled trigger event of the transaction device.

[0077] In the specific implementation, first, the MCU module of the transaction device determines the automatic recharge function enabled by the transaction device and triggers the preset event; then, the transaction device receives the preset event that triggers the expected recharge transaction for the business application according to the set automatic recharge function operation; finally, in response to the event, the balance value corresponding to the business application is obtained. For example, the transaction device triggers the automatic recharge transaction, that is, triggers the preset event, and the business application in the transaction device obtains the balance value corresponding to the business application as 20 yuan.

[0078] In this way, after determining that the automatic top-up function of the transaction device is enabled and triggering a preset event, the MCU module of the transaction device obtains the balance value corresponding to the business application in response to the preset event of expecting to perform a top-up transaction for the business application.

[0079] In another possible implementation of the present application, the transaction device can obtain the balance value corresponding to the business application according to a preset time interval; in specific implementation, the MCU module of the transaction device can automatically start the automatic recharge function of the transaction device according to the setting of the automatic recharge collection application balance set by the user; then, the transaction device responds to the collection time interval corresponding to the automatic recharge function and obtains the balance value corresponding to the business application. For example, according to the preset time interval of the transaction device, the automatic recharge function program setting corresponding to the business application is obtained; the business application in the transaction device periodically obtains the balance value of the business application according to the setting, for example, the balance value corresponding to the business application obtained in the first cycle is 20 yuan; the balance value corresponding to the business application obtained in the second cycle is 15 yuan, ... the balance value corresponding to the business application obtained in the Nth cycle is 25 yuan; wherein N is a positive integer.

[0080] In this way, the MCU module of the transaction device obtains the balance value corresponding to the business application in response to the collection time interval corresponding to the automatic top-up function.

[0081] Here, the preset time interval can be selected according to the actual deposit transaction scenario, and can be any time for obtaining the balance that meets the scenario requirements. This application will not limit it here.

[0082] S1012: Compare the balance value with a preset threshold value to determine whether the balance value corresponding to the business application is less than the preset threshold value.

[0083] In this step, the MCU module of the transaction device compares the balance value with a preset threshold value based on the balance value corresponding to the business application obtained by the transaction device to determine whether the balance value is less than the preset threshold value.

[0084] In one possible implementation mode of the present application, the preset threshold value may be selected according to the actual loading transaction scenario, and may be any loading threshold value that meets the scenario requirements, and the present application will not limit it here.

[0085] For example, when the preset threshold is set to 20 yuan, if the balance value corresponding to the acquired business application is 25 yuan, then the judgment result can be obtained that the balance value is not less than the preset threshold.

[0086] S102: When the preset loading condition is met, an initial loading response message is generated, and the initial loading response message is sent to the business backend system.

[0087] In this step, when the preset conditions for loading are met, first, according to the configuration of the transaction device, the security unit or business application of the transaction device can be determined as the execution subject for generating the initial loading response message; then, the execution subject generates an initial loading instruction for the business application to start the loading transaction; then, the support judgment of the business application is performed on the initial loading instruction; finally, when the initial loading instruction is supported, security data for secure access by the transaction device is generated.

[0088] Furthermore, if the preset conditions for the deposit are not met, the automatic deposit transaction of the transaction device is terminated.

[0089] In one implementation of the present application, during specific implementation, step S102 may include:

[0090] S1021. When a preset loading condition is met, an initial loading instruction is generated for the business application to start a loading transaction.

[0091] In this step, when the preset loading conditions are met, after the transaction device triggers the automatic loading function, the security unit of the transaction device will generate an initial loading instruction for the business application to start the loading transaction according to the preset loading conditions.

[0092] Here, the initial deposit instruction is an initial deposit instruction generated by the transaction device to realize automatic deposit. The initial deposit instruction is an initial instruction that has not been subjected to security processing. Only after inspection support and security processing will the subsequent automatic deposit method process be started.

[0093] S1022: Determine whether the initial credit instruction is supported by the business application.

[0094] In one possible implementation of the present application, the initial loading instruction includes a key index number used to verify whether the initial loading instruction is supported by the service application.

[0095] Here, the key index number is a unique identifier assigned in the key transaction management system, which is used to manage and track the keys of the transaction process; the status of the transaction device refers to the status information of whether the transaction device is grayed out; transaction information refers to information related to the transaction, such as the transaction object, transaction amount, transaction method, etc.

[0096] In this step, first, the security unit of the transaction device determines the key index number included in the initial loading instruction; then determines the supportable key index number corresponding to the automatic loading event in the security key class data corresponding to the transaction device; finally, determines whether the key index number is supported by the data corresponding to the transaction device.

[0097] For example, the key index number included in the initialization transaction instruction is QC35H807, and the QC-type security data corresponding to the transaction device includes QC35H807, that is, the key index number is supported by the data corresponding to the transaction device.

[0098] S1023: If supported, securely process the initial reload instruction to generate secure data for secure access by the transaction device.

[0099] Here, the security data used for secure access of the transaction device includes at least one of a pseudo-random number, a process key and a first message authentication code; wherein, a pseudo-random number refers to a pseudo-random number calculated using a deterministic algorithm, and is used for secure access or authentication; a process key refers to a key used in the process of data transmission or information processing, and is used to ensure the security and confidentiality of data transmission or processing; a message authentication code is a cryptographic authentication code used to verify the integrity of an instruction message and the identity of the sender, and a fixed-length tag is generated by hashing the instruction message and appending a key, and is used to verify the integrity and authenticity of the instruction message.

[0100] In this step, if the initial top-up instruction is supported by the business application, the security unit of the transaction device generates security data for secure access by the transaction device terminal to generate an initial top-up response message for subsequent verification processing by the business backend system.

[0101] Furthermore, if the initial loading instruction is not supported by the business application, the automatic loading transaction of the business application of the transaction device is terminated immediately.

[0102] S1024: Generate an initial credit response message including the security data according to the security data.

[0103] In this step, the transaction device generates an initial loading response message including the security data including the pseudo-random number, the process key and the first message authentication code by the security unit of the transaction device, and sends the initial loading response message to the business backend system.

[0104] Among them, the initial deposit response message is used for verification processing by the business background system to ensure the security and standardization of automatic deposit transactions; the message authentication code is a cryptographic authentication code used to verify the integrity of the instruction message and the identity of the sender. It verifies the integrity and authenticity of the instruction message by performing a hash operation on the instruction message and attaching a key to generate a fixed-length tag.

[0105] S103: receiving a credit loading instruction generated by the business backend system through verification processing of the initial credit loading response message.

[0106] Here, after receiving the initial loading response message including security data sent by the transaction device, the business backend system will verify the first message authentication code in the security data included in the initial loading response message; compare the first message authentication code with the valid message authentication code in the transaction database of the business backend system to determine whether the first message authentication code included in the initial loading response message is valid; if valid, generate a loading instruction and send it to the transaction device.

[0107] In this step, the communication module of the transaction device receives the loading instruction generated by the business background system through verification processing of the initial loading response message including the security data.

[0108] Furthermore, if the first message authentication code is invalid, the automatic recharge transaction of the business application of the transaction device is terminated immediately.

[0109] Optionally, see Figure 2 , Figure 2 The second flow chart of an automatic deposit method provided in the embodiment of the present application. Figure 2 As shown in, in addition to the automatic deposit method described in steps S101 to S103, steps S105 to S106 are also included. Specifically, steps S105 to S106 are used to illustrate a method for verifying whether a deposit instruction is valid, so as to ensure the security and reliability of automatic deposit.

[0110] S105: parsing the loading instruction, verifying the second message authentication code included in the loading instruction with the message authentication data corresponding to the transaction device, so as to determine whether the loading instruction is valid.

[0111] In this step, when it is specifically implemented, first, after the communication module of the transaction device receives the loading instruction sent by the business background system, the security unit of the transaction device parses the data of the loading instruction to perform subsequent security verification, and the second message authentication code included in the loading instruction can be obtained through the parsing operation; thereafter, the transaction device verifies and compares the second message authentication code included in the loading instruction with the message authentication data in the loading transaction database of the transaction device to determine whether the second message authentication code included in the loading instruction is valid; wherein, if the second message authentication code matches the message authentication data, the second message authentication code is valid, and if the second message authentication code does not match the message authentication data, the second message authentication code is invalid.

[0112] Here, compared with the first message authentication code, the second message authentication code is generated by parsing the loading instruction sent by the business background system after verifying the initial loading response message; while the first message authentication code is generated by the transaction device and is provided to the business background system for verification.

[0113] S106: If valid, determine the value of the loading amount indicated by the loading instruction.

[0114] In this step, if the loading instruction is valid, the security unit of the transaction device determines the loading amount value indicated by the loading instruction through instruction parsing and data extraction according to the loading instruction.

[0115] Furthermore, if the second message authentication code included in the loading instruction is invalid, the automatic loading transaction of the service application of the transaction device is terminated immediately.

[0116] S104. According to the loading amount value indicated by the loading instruction, the loading amount value is deducted from the digital currency application and added to the balance value corresponding to the business application.

[0117] In this step, during the specific implementation, first, within the transaction device, the responding execution subject of the loading instruction in the transaction device is determined; then, according to the loading amount value indicated by the loading instruction, the digital currency application is controlled to deduct the loading amount value and add it to the balance value corresponding to the business application, so as to perform automatic loading of the transaction device.

[0118] In one implementation of the present application, during specific implementation, step S104 may include:

[0119] S1041. Determine, according to the credit-loading instruction, a response execution subject of the credit-loading instruction in a transaction device; the response execution subject includes an MCU module or the business application in the transaction device.

[0120] In this step, the transaction device determines the response execution subject of the loading instruction in the transaction device according to the response object indication corresponding to the loading instruction or the response level of the loading transaction.

[0121] The response execution subject includes the MCU module in the transaction device or the business application.

[0122] S1042. The response execution entity deducts the loading amount value from the digital currency application according to the loading amount value indicated by the loading instruction, and adds it to the balance value corresponding to the business application.

[0123] In this step, after the response execution subject is determined, the response execution subject controls the digital currency application to deduct the deposit amount value according to the deposit amount value indicated by the deposit instruction, and adds it to the balance value corresponding to the business application to perform automatic deposit of the transaction device.

[0124] As an example, when the response execution subject is a business application, the business application sends a deduction request to the digital currency application in response to a recharge instruction to deduct money from the digital currency application; in addition, when the response execution subject is the MCU module of the transaction device, the MCU module controls the digital currency application to transfer its own balance to the business application in response to the recharge instruction.

[0125] For example, when the preset threshold is set to 30 yuan, the balance value corresponding to the business application obtained is 25 yuan. At this time, the judgment result is that the balance value is less than the preset threshold, and the second message authentication code included in the deposit instruction is valid, and other security checks have passed. The deposit amount indicated by the deposit instruction is 50 yuan. The digital currency application is controlled to deduct 50 yuan and add it to the balance value corresponding to the business application. The balance value corresponding to the business application is changed to 75 yuan, realizing automatic deposit of the transaction device.

[0126] In this way, when the preset conditions for the deposit are met, the transaction device performs a seamless automatic deposit transaction in the transaction device according to the deposit amount indicated by the deposit instruction, without the need for other devices to participate in the deposit transaction control.

[0127] Alternatively, if Figure 2 As shown in, in addition to the automatic storage method described in steps S101 to S104, step S107 is also included. Specifically, step S107 is used to illustrate a method for uploading the data generated by the automatic storage to the background system to ensure that the data of the automatic storage is complete.

[0128] S107: Generate the credit data corresponding to the credit instruction, and send the credit data to the business backend system.

[0129] Here, the loading data includes at least one of loading update transaction information and loading transaction verification code; wherein the loading update transaction information includes the online transaction sequence number of the transaction device and the updated transaction details; the loading transaction verification code is the mark data for confirming the validity of the automatic loading transaction.

[0130] In this step, after the automatic recharge of the transaction device is performed, the MCU module of the transaction device will generate recharge data including updated transaction information and recharge transaction verification code based on the automatic recharge; then, the communication module of the transaction device sends the recharge data to the business backend system to ensure the integrity of the automatic recharge data of the transaction device.

[0131] Furthermore, in addition to executing the above-mentioned automatic deposit method, the transaction device also includes a method for executing a delegated transaction; specifically, the delegated transaction method includes: the business application in the transaction device responds to the received instruction for instructing the execution of a transaction event, generates a transaction request for instructing the agent to execute the transaction event; determines whether the transaction information indicated by the transaction request meets the preset conditions; if the transaction information indicated by the transaction request meets the preset conditions, then entrusting the digital currency application in the transaction device to perform transaction processing for the transaction event to execute the transaction event.

[0132] The automatic deposit method provided in the embodiment of the present application is that the transaction device automatically initiates a deposit preset condition check; when the deposit preset condition is met, an initial deposit response message is generated, and the initial deposit response message is sent to the business background system; the business background system receives a deposit instruction generated by verifying the initial deposit response message; according to the deposit amount value indicated by the deposit instruction, the deposit amount value is deducted from the digital currency application, and added to the balance value corresponding to the business application. Under the premise of no or little modification of the acceptance terminal equipment, through the transaction device that simultaneously supports multiple transaction applications such as digital currency applications or business applications, when the deposit preset condition is met, the transaction device deducts the deposit amount value through the digital currency application, and adds it to the balance value corresponding to the business application, so as to realize the automatic deposit transaction in the transaction device without feeling, improve the transaction efficiency of the deposit transaction, and make the user have a good experience when using the transaction device to carry out the deposit transaction.

[0133] See also Figure 3 , Figure 4 , Figure 3 This is one of the structural diagrams of a transaction device provided in an embodiment of the present application. Figure 4 This is a second structural diagram of a transaction device provided in an embodiment of the present application. Figure 3 As shown in , the transaction device 300 includes: an MCU module 310, a security unit 320 and a communication module 330:

[0134] The MCU module 310 is used for the transaction device to automatically initiate a preset condition check for loading; according to the loading amount value indicated by the loading instruction, the loading amount value is deducted from the digital currency application and added to the balance value corresponding to the business application.

[0135] The security unit 320 is used to generate an initial top-up response message when a preset top-up condition is met;

[0136] The communication module 330 is used to send the initial credit loading response message to the business backend system; and receive the credit loading instruction generated by the business backend system through verification processing of the initial credit loading response message.

[0137] Furthermore, when the MCU module 310 is used for the transaction device to automatically initiate a check on preset conditions for loading a deposit, the MCU module 310 is used to:

[0138] The transaction device obtains a balance value corresponding to the business application according to a preset time interval or a preset event;

[0139] By comparing the balance value with a preset threshold, it is determined whether the balance value corresponding to the business application is less than the preset threshold.

[0140] Furthermore, the MCU module 310 is also used for:

[0141] Generate the credit data corresponding to the credit instruction.

[0142] Furthermore, the communication module 330 is also used for:

[0143] The deposit data is sent to the business backend system.

[0144] Further, when the security unit 320 is used to generate an initial loading response message when the loading preset condition is met, the security unit 320 is used to:

[0145] When the preset loading condition is met, an initial loading instruction is generated for the business application to start the loading transaction;

[0146] Determining whether the initial credit instruction is supported by the business application;

[0147] If supported, the initial reload instruction is securely processed to generate security data for secure access by the transaction device;

[0148] An initial credit response message including the security data is generated according to the security data.

[0149] Furthermore, the security unit 320 is also used for:

[0150] By parsing the loading instruction, verifying the second message authentication code included in the loading instruction with the message authentication data corresponding to the transaction device, so as to determine whether the loading instruction is valid;

[0151] If valid, the value of the loading amount indicated by the loading instruction is determined.

[0152] Further, when the MCU module 310 is used to deduct the loading amount value from the digital currency application according to the loading amount value indicated by the loading instruction and add it to the balance value corresponding to the business application, the MCU module 310 is used to:

[0153] According to the credit-loading instruction, determining a response execution subject of the credit-loading instruction in the transaction device; the response execution subject includes an MCU module or a business application in the transaction device;

[0154] The response execution subject deducts the deposit amount value from the digital currency application according to the deposit amount value indicated by the deposit instruction, and adds it to the balance value corresponding to the business application.

[0155] Further, such as Figure 4 As shown, the transaction device 300 further includes an NFC communication unit 350, a power system 340 and a USB interface 360;

[0156] The power supply system 340 is connected to the MCU module 310 , the security unit 320 , the communication module 330 and the USB interface 360 ​​respectively; the NFC communication unit 350 is connected to the communication module 330 ; and the USB interface 360 ​​is connected to the communication module 330 .

[0157] Furthermore, the power system 340 includes a battery, a low dropout voltage regulator and a charging management module.

[0158] Specifically, in one possible implementation of the present application, the battery provides continuous power supply for the transaction device so that the transaction device can have power support to actively complete some tasks; the low-dropout voltage regulator is used to reduce the voltage of the battery to a range allowed by the security unit and the medium and long-distance communication chip so that it can work normally; the charging management module is used for parameter management during charging, for example, controlling the charging current and automatically stopping charging after full charge and other management operations.

[0159] Furthermore, the communication module may use the communication service provided by the operator.

[0160] Furthermore, the USB interface 360 ​​is used as an interface for data transmission and device charging.

[0161] The transaction device provided in the embodiment of the present application automatically initiates a check of preset conditions for a rollover; generates an initial rollover response message when the preset conditions for a rollover are met, and sends the initial rollover response message to the business backend system; receives a rollover instruction generated by the business backend system by verifying the initial rollover response message; deducts the rollover amount value from the digital currency application according to the rollover amount value indicated by the rollover instruction, and adds it to the balance value corresponding to the business application. Without or with little modification to the acceptance terminal equipment, through a transaction device that simultaneously supports multiple transaction applications such as digital currency applications or business applications, when the preset conditions for a rollover are met, the transaction device deducts the rollover amount value through the digital currency application, and adds it to the balance value corresponding to the business application, so as to realize automatic rollover transactions in the transaction device without feeling, improve the transaction efficiency of the rollover transaction, and enable users to have a good experience when using the transaction device for a rollover transaction.

[0162] The present application also provides a computer-readable storage medium on which a computer program is stored. When the computer program is executed by a processor, the computer program can execute the above-mentioned Figure 1 as well as Figure 2 The steps of the automatic credit method in the illustrated method embodiment and the specific implementation thereof can be found in the method embodiment, which will not be described in detail here.

[0163] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the systems, devices and units described above can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0164] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. The device embodiments described above are merely schematic. For example, the division of the units is only a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some communication interfaces, and the indirect coupling or communication connection of devices or units can be electrical, mechanical or other forms.

[0165] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0166] In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit.

[0167] If the functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a non-volatile computer-readable storage medium that is executable by a processor. Based on this understanding, the technical solution of the present application can essentially be embodied in the form of a software product, or in other words, the part that contributes to the prior art or the part of the technical solution. The computer software product is stored in a storage medium, including several instructions for a computer device (which can be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present application. The aforementioned storage medium includes: various media that can store program codes, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0168] Finally, it should be noted that the above-described embodiments are only specific implementation methods of the present application, which are used to illustrate the technical solutions of the present application, rather than to limit them. The protection scope of the present application is not limited thereto. Although the present application is described in detail with reference to the above-mentioned embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-mentioned embodiments within the technical scope disclosed in the present application, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present application, and should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. An automatic deposit method, characterized in that: Applied to a transaction device; wherein the transaction device is installed with a business application and a digital currency application, and has transaction permissions for the business application and the digital currency application; the transaction device can control transaction communication between the business application and the digital currency application, and the automatic recharge method includes: The transaction device automatically initiates a check on preset conditions for loading; If the preset loading condition is met, an initial loading response message is generated, and the initial loading response message is sent to the business backend system; Receiving a top-up instruction generated by the business backend system through verification processing of the initial top-up response message; According to the loading amount value indicated by the loading instruction, the loading amount value is deducted from the digital currency application and added to the balance value corresponding to the business application.

2. The method according to claim 1, characterized in that The transaction device automatically initiates a check on preset conditions for loading, including: The transaction device obtains a balance value corresponding to the business application according to a preset time interval or a preset event; By comparing the balance value with a preset threshold, it is determined whether the balance value corresponding to the business application is less than the preset threshold.

3. The method according to claim 1, characterized in that After the balance value corresponding to the business application is increased, the method further includes: Generate the top-up data corresponding to the top-up instruction, and send the top-up data to the business backend system.

4. The method according to claim 3, characterized in that The top-up data includes at least one of top-up update transaction information and a top-up transaction verification code.

5. The method according to claim 1, characterized in that The generating of the initial top-up response message when the preset top-up condition is met includes: When the preset loading condition is met, an initial loading instruction is generated for the business application to start the loading transaction; Determining whether the initial credit instruction is supported by the business application; If supported, the initial reload instruction is securely processed to generate security data for secure access by the transaction device; An initial credit response message including the security data is generated according to the security data.

6. The method according to claim 5, characterized in that The security data includes at least one of a pseudo-random number, a process key and a first message authentication code.

7. The method according to claim 1, characterized in that Before deducting the loading amount value from the digital currency application according to the loading amount value indicated by the loading instruction and adding the loading amount value to the balance value corresponding to the business application, the method further includes: By parsing the loading instruction, verifying the second message authentication code included in the loading instruction with the message authentication data corresponding to the transaction device, so as to determine whether the loading instruction is valid; If valid, the value of the loading amount indicated by the loading instruction is determined.

8. The method according to claim 1, characterized in that The deducting the amount of the deposit from the digital currency application according to the amount of the deposit indicated by the deposit instruction and adding the amount of the deposit to the balance corresponding to the business application includes: According to the credit-loading instruction, determining a response execution subject of the credit-loading instruction in the transaction device; the response execution subject includes an MCU module in the transaction device or the business application; The response execution entity deducts the deposit amount value from the digital currency application according to the deposit amount value indicated by the deposit instruction, and adds it to the balance value corresponding to the business application.

9. A transaction device, characterized in that: The transaction device includes an MCU module, a security unit and a communication module: The MCU module is used for the transaction device to automatically initiate a load-up preset condition check; according to the load-up amount value indicated by the load-up instruction, the load-up amount value is deducted from the digital currency application and added to the balance value corresponding to the business application; A security unit, used to generate an initial top-up response message when a preset top-up condition is met; The communication module is used to send the initial top-up response message to the business backend system; and receive the top-up instruction generated by the business backend system through verification processing of the initial top-up response message.

10. The transaction device according to claim 9, characterized in that: The transaction device also includes an NFC communication unit, a power supply system and a USB interface; The power supply system is connected to the MCU module, the security unit, the communication module and the USB interface respectively; the NFC communication unit is connected to the communication module; and the USB interface is connected to the communication module.

11. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the automatic credit method according to any one of claims 1 to 8 are executed.

Images