Chip card transaction abnormity diagnosis method, program product and storage medium

Abstract

The invention provides a chip card transaction abnormity diagnosis method, which comprises the following steps: when a chip card transaction is abnormal, starting a diagnosis application program on a portable terminal of a payer; acquiring feature information of the chip card and paid party information; sending a diagnosis request to a diagnosis platform, and sending the obtained feature information of the chip card and the paid party information to the diagnosis platform; in response to the diagnosis request, the diagnosis platform creates a diagnosis task and diagnoses the chip card to generate a card diagnosis result; issuing the mirror image data of the card; reproducing a transaction scene based on the mirror image data of the card to obtain transaction data of a transaction terminal; and sending the acquired transaction data to a diagnosis platform to diagnose the transaction terminal, thereby generating a diagnosis result of the transaction terminal. A program product and a storage medium are also provided.

Description

Technical Field

[0001] The present application relates to data processing, and more specifically, to a technique for diagnosing anomalies in chip card transactions. Background Art

[0002] When a cardholder encounters an abnormality in a transaction at a terminal, he or she will intuitively attribute the cause to the card. Taking chip cards as an example, in the case of abnormal transactions, the information transmission paths are usually divided into two categories:

[0003] Category 1: The interaction between the chip card and the terminal is abnormal, the transaction process is directly interrupted, and the transaction message cannot be sent. This type of transaction abnormality is sporadic, and the terminal usually terminates directly or prompts a simple abnormal error message, making it difficult for users to intuitively locate the problem.

[0004] Category 2: Transaction failure due to transaction message format or value assignment problems. In this case, the terminal usually displays an error message code, and the problem can be located and solved by checking the online message information.

[0005] For the first type of abnormal transaction problems, how to timely collect transaction feature information of abnormal transaction scenarios and locate and solve problems is an important issue in improving transaction quality and improving card usage experience.

[0006] There are currently two mainstream diagnostic methods. One is to capture the transaction log between the chip card and the terminal through professional listening tools; the other is to set the terminal to test mode and turn on the log function. The former diagnostic method has a high success rate in locating the problem, but it requires the cardholder and the diagnostic technician to be at the transaction site at the same time when the transaction is abnormal. This method requires too much immediacy of personnel on the scene and is difficult to implement. The latter method requires the terminal to turn on the log function, which is usually difficult to implement in commercial merchant scenarios. Instead, it needs to simulate the transaction abnormality scenario in a test environment, which makes it difficult to restore the real transaction abnormality scenario and accurately locate the problem.

[0007] Therefore, there is a need to provide improved diagnostic methods. Summary of the invention

[0008] According to one aspect of the present application, a chip card transaction abnormality diagnosis method is provided, which can solve at least one of the problems mentioned above.

[0009] According to the chip card transaction abnormality diagnosis method of this aspect of the present application, the method includes starting a diagnostic application on the payer's portable terminal when an abnormality occurs in the chip card transaction; obtaining the characteristic information of the chip card and the information of the payee; sending a diagnostic request to the diagnostic platform, and sending the obtained characteristic information of the chip card and the information of the payee to the diagnostic platform; in response to the diagnostic request, the diagnostic platform creates a diagnostic task and diagnoses the chip card to generate a card diagnostic result, wherein creating a diagnostic task includes creating a diagnostic task number, creating mirror data of the chip card that generates the transaction abnormality, creating a characteristic information file of the chip card, and creating a payee information file; issuing the mirror data of the card; reproducing the transaction scene based on the mirror data of the card to obtain the transaction data of the transaction terminal; sending the obtained transaction data to the diagnostic platform to diagnose the transaction terminal, thereby generating a diagnostic result of the transaction terminal. The portable terminal obtains the transaction data in the process of reproducing the transaction scene through its near field communication function.

[0010] Optionally, in the method, sending the mirror image data of the chip card includes: sending the mirror image data of the card to the portable terminal of the payer.

[0011] Optionally, in the method, reproducing the transaction scenario based on the mirror data of the card includes: the diagnostic application in the portable terminal reminding the payer to tap the card against the transaction terminal; during the card tapping process, acquiring transaction data through the near field communication function of the portable terminal, the transaction data including a transaction log.

[0012] Optionally, in the method, sending the mirror data of the chip card includes: sending the mirror data of the chip card to the portable terminal of the diagnosing party; and the method further includes starting the sending of the mirror data through the following process before sending the mirror data: starting the diagnostic application in the portable terminal of the diagnosing party, searching for the diagnostic task number to start the sending of the mirror data; after the portable terminal of the diagnosing party receives the mirror data, sending the mirror data to a programmable card through the near field communication function of the portable terminal, and the programmable card is pre-provided to the diagnosing party.

[0013] Optionally, in the method, reproducing the transaction scenario based on the mirror data of the chip card includes: inserting the preprogrammed card into the transaction terminal to reproduce the transaction scenario; and obtaining transaction data by the portable terminal of the diagnosing party through its near field communication function during the process of reproducing the transaction scenario, wherein the transaction data includes a transaction log.

[0014] Optionally, in the method, the cause of the transaction abnormality is determined based on the diagnosis result of the transaction terminal and the diagnosis result of the card.

[0015] Optionally, in the method, the portable terminal is one of a mobile phone, a tablet, and a smart wearable device; the transaction terminal is one of a POS machine, a mobile phone, and a tablet.

[0016] A computer program product is also provided, comprising program instructions, wherein when the program instructions are executed, any one of the methods described above is implemented.

[0017] A computer program product is also provided, comprising program instructions, which, when executed: issue a prompt to restore a transaction scenario; during the process of restoring the transaction scenario, instruct an electronic device executing the program instructions to read transaction data through its near field communication function; and instruct the electronic device to send the read transaction data to a diagnostic platform.

[0018] A storage medium is also provided, on which program instructions are stored, and when the program instructions are executed, any one of the methods described above is implemented.

[0019] A diagnostic platform is also provided, which includes a memory and a processor, wherein the memory stores instructions, and when the processor executes the instructions: in response to a diagnostic request, a diagnostic task is created based on the received information, including creating a diagnostic task number, creating mirror data of a chip card that generates a transaction abnormality, creating a feature information file of the chip card, and creating an information file of the payee; performing card diagnosis on the chip card; issuing the mirror data of the card; and diagnosing the transaction terminal based on the received transaction data that reproduces the transaction process. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] The present application will be more fully understood by referring to the following detailed description of specific embodiments in conjunction with the accompanying drawings, wherein:

[0021] Figure 1 It is a schematic diagram of the trading system structure according to the example of this application.

[0022] Figure 2 is a flow chart of a method for diagnosing abnormal chip card transactions according to an example of the present application;

[0023] Figure 3 It is the process of handling abnormalities in contact transactions;

[0024] Figure 4 It is the process of handling exceptions in contactless transactions. DETAILED DESCRIPTION

[0025] In order to help those skilled in the art to accurately understand the subject matter for which protection is sought in the present application, the specific implementation of the present application will be described in detail below in conjunction with the accompanying drawings.

[0026] In the example of this application, the payee refers to the party that uses the chip card to make a payment; the repairer refers to the party that resolves the failure when a transaction fails.

[0027] The portable terminal may be any one of a mobile phone, a tablet, a wearable device such as a smart watch or smart glasses, or a portable computer. In the embodiment of the present application, the portable terminal has a near field communication (NFC) function. The transaction terminal for conducting transactions with the portable terminal is, for example, a POS machine, but it may also be a portable terminal of the payee.

[0028] In the examples below in this application, a mobile phone will be used as an example of a portable terminal, and a POS machine will be used as an example of a transaction terminal.

[0029] Figure 1 Schematic diagram of the trading system structure according to the example of this application. Figure 1 As shown, in the transaction scenario, the payer pays through its portable terminal 12 or directly uses a chip card to pay. When a transaction abnormality occurs in the payment transaction scenario, the portable terminal 12 can be used to obtain information related to the abnormality through the NFC of the terminal 12, and transmit the obtained information to the diagnosis platform 14, wherein the information related to the abnormality is hereinafter referred to as abnormality-related information. The diagnosis platform 14 can be a remote server that is communicatively connected to the portable terminal 12. The diagnosis platform 14 performs a first diagnosis on the transaction card based on the received information, and performs subsequent processing, including issuing a diagnosis result, etc.

[0030] The transaction environment system may also include a third-party terminal 16, which is in communication with the diagnosis platform 14. The third-party terminal 16 may be a terminal used by a diagnosis service personnel for diagnosis, which receives instructions and virtual card information sent by the cloud, and performs card tapping to obtain transaction information and transmit it to the diagnosis platform. Figure 1 Payment transactions that can be implemented in the system can be contactless transactions or contact transactions. The term tapping the card refers to a payment method in which a chip card is placed next to a transaction terminal and scanned, such as a POS terminal; wherein placing the chip card next to the transaction terminal may be placing the card itself next to the transaction terminal; or placing a portable terminal such as a mobile phone based on the chip card transaction next to the transaction terminal and scanning it, which may also be called tapping the mobile phone when a portable terminal with a mobile phone holder is used.

[0031] In this example, both the portable terminal 12 and the third-party terminal 16 have NFC functions and are installed with diagnostic applications. The diagnostic application can be implemented as an application by program instructions and pre-installed in the terminal. The portable terminal and the third-party terminal can be any of the following devices: a mobile phone, a tablet, a smart wearable device, a laptop, etc.

[0032] Figure 2 This is a flowchart of a method for diagnosing abnormal chip card transactions according to an example of this application. Figure 2 In the method shown, when a chip card transaction is abnormal, a diagnostic application on the payer's portable terminal is started and a diagnostic request is sent to the diagnostic platform, as shown in step S200. When or after sending the diagnostic request, the collected chip card feature information and the payee information are sent to the diagnostic platform. As an example, the chip card feature information includes the chip card number, the issuing bank, etc. Starting the diagnostic application means putting the diagnostic application into a working state. In some cases, user verification is first performed before starting the diagnostic application to ensure the security of transaction data. The chip card transaction abnormality may be a transaction abnormality occurring in a contact transaction scenario, or a transaction abnormality occurring in a contactless transaction scenario. The diagnostic application can be started by the payer. Alternatively, in a contactless transaction scenario, the diagnostic application can be automatically started in the event of an abnormal transaction. The diagnostic application guides the payer to obtain information related to the payee through the near field communication of its portable terminal. The guidance method includes any one of voice prompts, text prompts, and pattern prompts, or a combination thereof, which is intended to guide the payer to use its portable terminal to obtain the payee information. Methods for obtaining the payee's information include taking a photo and uploading a photo that can identify the payee, inputting an address and / or name that can be used to identify the payee, etc. The payee's information can be the payee's number, name, address, etc. As an example, the payee is a merchant. The diagnostic application prompts the payee to tap the card through its portable terminal, and the diagnostic application collects the characteristic information of the payment card through NFC during the card tapping process. The characteristic information of the payment card and the relevant information of the payee are transmitted to the diagnostic platform. It should be understood that

[0033] In step S202, in response to the diagnosis request, the diagnosis platform creates a diagnosis task and performs card diagnosis on the payment card. Creating a diagnosis task includes establishing a card feature information file, generating card mirror data, and establishing a payee (e.g., merchant) information file, etc. In this example, the mirror card data is a type of virtual card information. The established diagnosis task includes a task number for identifying the task for indexing, and the card feature information file helps to obtain data from it for diagnosis when the card has an abnormal transaction in the future. The diagnosis task may also include more information related to the diagnosis, which will not be listed here one by one. The diagnosis of the card includes automatically performing a diagnosis based on the card feature information file, including an exchange system transaction query. If it is not sent, it is checked according to the technical specifications, card template requirements, and the card historical transaction situation, and it also includes a traversal check of the common problem library, etc., thereby forming a diagnosis report for the card. According to some examples of the present application, the diagnosis report can be fed back to the payee or the cardholder. It should be understood that the payee may be the cardholder or may not be the cardholder.

[0034] In step S204, the cloud issues the card and restores the abnormal transaction scenario with the issued card.

[0035] The diagnostic system starts the cloud card issuance service. Cloud card issuance refers to sending the card image data to the diagnostic application so that the diagnostic application can simulate the chip card that has generated an abnormal transaction to interact with the transaction terminal. The transaction terminal is, for example, the POS machine of the payee, but it can also be other electronic terminals of the payee that can accept payment.

[0036] Transactions include contactless transactions and contact transactions. For contactless transactions, after the card diagnosis in step S202 is completed, the diagnostic platform sends the mirror data of the card to the diagnostic application of the portable terminal of the payer, and the diagnostic application prompts the cardholder to tap the mobile phone on the transaction terminal of the payee to restore the abnormal transaction scene so as to diagnose the transaction terminal. For contact transactions, after the card diagnosis in step S202 is completed, the diagnostic application set in the portable terminal of the diagnosing party reminds the diagnosing party to tap the programmable card on the transaction terminal of the payee to restore the abnormal transaction scene so as to diagnose the transaction terminal; wherein the programmable card includes the mirror data of the chip card that generated the abnormal transaction. The mirror data can be sent to the programmable card through the following process: start the diagnostic application in the portable terminal of the diagnosing party, search for the diagnostic task number to start the cloud card issuance service, and use the programmable card provided to the diagnosing party to tap the portable terminal of the diagnosing party to realize cloud card issuance, that is, pass the mirror data sent to the portable terminal to the programmable card. As an example, the diagnostic application in the portable terminal can be started by the diagnosing party.

[0037] It should be noted that in contactless transactions, the diagnosing party can also realize the card tapping and diagnosis of the transaction terminal. Specifically, the diagnosing party starts the diagnostic application in its portable terminal, searches for the diagnostic task number, starts the cloud card issuance service, and after the diagnostic terminal sends the mirror data of the chip card that has generated the abnormal transaction to the portable terminal of the diagnosing party, the portable terminal is used to tap the card on the transaction terminal of the payee.

[0038] In step S206, the transaction terminal is diagnosed.

[0039] In step S204, no matter it is a card tapping transaction or a transaction in which a programmable card is inserted into the payee's transaction terminal, the portable terminal reads the transaction log information of the transaction terminal during the transaction process through NFC and uploads it to the diagnosis platform for diagnosis.

[0040] Specifically, if it is a card tapping transaction, the portable terminal used for card tapping (usually the payee's portable terminal, in some cases, it may also be the diagnosing party's portable terminal) reads the transaction log information; if it is a card insertion transaction, the diagnosing party inserts the programmable card into the transaction terminal. During this process, the diagnosing party's portable terminal obtains the transaction log information through NFC.

[0041] The transaction log information read by the diagnostic application is sent to the diagnostic platform, which performs specific diagnosis and outputs a diagnostic report.

[0042] Optionally, in step S208, the abnormality of the chip card transaction is determined in combination with the diagnostic report so as to provide a solution accordingly.

[0043] In the following example, the portable terminal is a mobile phone with NFC function, the diagnostic platform is a cloud diagnostic platform, the payer is the cardholder, the payee is the merchant, and the transaction terminal is a POS machine.

[0044] Figure 3 It is the process of handling abnormal contact transactions. Figure 3 As shown, when the cardholder inserts the chip card into the POS machine for payment, a transaction exception occurs. The cardholder starts the diagnostic application in the mobile phone (S301). Under the prompt of the diagnostic application, the cardholder reads the characteristic data of the chip card through the NFC function of his mobile phone, and enters the merchant information into the diagnostic application. Further, the cardholder sends the characteristic data of the card, the merchant information and the diagnostic request to the diagnostic platform (S302). The diagnostic platform creates a diagnostic task, which includes creating a chip card characteristic information file, creating a chip card mirror data and a merchant information file (S303). The cloud diagnostic platform diagnoses the card (S304). In the case of abnormal card diagnosis, a diagnostic report is generated (S305). In the case of normal card diagnosis, the diagnostic platform performs cloud card issuance (S306). Specifically, the diagnostic party's mobile phone opens the diagnostic application, enters the diagnostic task number, and starts the cloud card issuance service. The diagnostic platform sends the mirror data of the abnormal chip card to the mobile phone of the diagnostic party, and the mobile phone of the diagnostic party is close to the programmable card provided to the diagnostic party in advance, so as to transmit the received mirror data to the programmable card via NFC (S307). The diagnosing party inserts the programmable card into the POS machine (S308). During this process, the diagnosing party's mobile phone reads (S309) the transaction data of the programmable card during the insertion of the POS machine through the NFC interface, including the transaction log. The diagnosing party's mobile phone sends the transaction data to the diagnosis terminal platform so that the diagnosis platform diagnoses the transaction terminal (S310) and generates (S311) a diagnosis report. Based on the card diagnosis report and the transaction terminal diagnosis report, the problem can be determined so as to provide a solution.

[0045] Figure 4This is the process of handling abnormalities in contactless transactions. Figure 4 As shown, when the cardholder pays by tapping the card with his mobile phone, a transaction anomaly occurs. The diagnostic application in the cardholder's mobile phone is started (S401). Under the prompt of the diagnostic application, the cardholder reads the characteristic data of the chip card through the NFC function of his mobile phone, and enters the merchant information into the diagnostic application. Further, the cardholder sends the characteristic data of the card, the merchant information and the diagnostic request to the diagnostic platform (S402). The diagnostic platform creates a diagnostic task, which includes creating a characteristic information file of the chip card, creating the image data of the chip card and the merchant information file (S403). The cloud diagnostic platform diagnoses the card (S404). In the case of abnormal card diagnosis, a diagnostic report is generated (S405). In the case of normal card diagnosis, the diagnostic platform performs cloud card issuance (S406). Specifically, the diagnostic application in the cardholder's mobile phone reminds the cardholder to diagnose the transaction terminal, that is, the POS machine, by tapping the card. The diagnostic platform sends the image data of the abnormal chip card to the diagnostic application on the cardholder's mobile phone. The cardholder's mobile phone is close to the POS machine (S408) to perform the card tapping operation. During this process, the mobile phone reads the transaction data in the card tapping process, including the transaction log, through the NFC interface. The transaction data is sent (S409) to the diagnosis platform so that the diagnosis platform can diagnose the transaction terminal (S410) and generate (S411) a diagnosis report. In this process, if the cardholder does not perform the card tapping operation after the cloud clock-in, the diagnosis party will execute it. For example, the diagnosis party is arranged to open the diagnosis application in his mobile phone 22, enter the diagnosis task number to start (S501) the cloud card issuance service. Subsequently, the diagnosis platform sends (S502) the mirror data of the abnormal chip card to the diagnosis party's mobile phone. The diagnosis party performs the card tapping operation (S503), collects transaction data in the process and uploads the collected transaction data to the diagnosis platform (S504).

[0046] Combination of the above Figure 2 , Figure 3 and Figure 4 The examples described can be found in Figure 1 In the system shown in FIG. 1 , for example, the portable terminal of the payee may be Figure 1 In the portable terminal 12, the disconnect platform may be Figure 1 In the diagnosis platform 14 , the portable terminal of the diagnosing party may be a third-party terminal 16 .

[0047] According to an example of the present application, a diagnostic platform is also provided. The diagnostic platform includes a memory and a processor. The memory stores instructions, and the processor executes the instructions to implement the functions implemented by the diagnostic platform in any of the above examples.

[0048] According to an embodiment of the present application, after receiving a diagnostic request, the diagnostic platform establishes a diagnostic task, creates mirror data of the card for subsequent restoration of the transaction, and sends the mirror data to a portable terminal such as a mobile phone. Since a diagnostic application has been set up in the portable terminal, under the guidance of the diagnostic application, the payer or the diagnosing party can, under its guidance, trade with the transaction terminal again based on the mirror data to restore the transaction process. During the restored transaction process, the portable terminal of the payer or the diagnosing party reads the transaction data through its NFC function and uploads it to the diagnostic platform for diagnosis. In this way, there is no need to use professional listening tools to capture the transaction log between the chip card and the terminal, nor is there any need to set the transaction terminal to test mode, but it is conveniently carried out in a remote manner and the data obtained is timely and comprehensive.

[0049] The present application also provides a computer program product, including extended program instructions, which, when executed: issue a prompt to restore a transaction scenario; in the process of restoring the transaction scenario, instruct an electronic device that executes the program instructions to read transaction data through its near-field communication function; and instruct the electronic device to send the read transaction data to a diagnostic platform.

[0050] The present application also provides a computer program product, comprising program instructions, and when the program instructions are executed, any one of the methods described above is implemented.

[0051] The present application also provides a storage medium on which program instructions are stored, and when the program instructions are executed, any one of the methods described above is implemented.

[0052] In each of the above examples, the diagnosis platform may be a cloud server communicating with the portable terminal.

[0053] The present application has described various examples, and it should be understood that the features of the various examples can be combined with each other to form new implementation methods without contradicting each other.

[0054] Although specific embodiments of the present application have been shown and described in detail to illustrate the principles of the present application, it should be understood that the present application can be implemented in other ways without departing from such principles.

Claims

1. A method for diagnosing abnormal chip card transactions, characterized in that: The method comprises: When a chip card transaction is abnormal, a diagnostic application is activated on the payer's portable terminal; Obtain characteristic information of chip card and information of the payee; Sending a diagnosis request to a diagnosis platform, and sending the acquired characteristic information of the chip card and the payee information to the diagnosis platform; In response to the diagnosis request, the diagnosis platform creates a diagnosis task and diagnoses the chip card to generate a card diagnosis result, wherein creating the diagnosis task includes creating a diagnosis task number, creating the image data of the chip card, creating a feature information file of the chip card, and creating a payee information file; Sending the image data of the chip card; Reproducing the transaction scene based on the mirror data of the chip card to obtain transaction data; Sending the acquired transaction data to the diagnostic platform to diagnose the transaction terminal, thereby generating a transaction terminal diagnostic result; The portable terminal obtains transaction data through its near field communication function in the process of reproducing the transaction scene.

2. The method according to claim 1, characterized in that: Sending the image data of the chip card includes: sending the image data of the chip card to the portable terminal of the payer.

3. The method according to claim 2, characterized in that Reproducing the transaction scenario based on the mirror data of the card includes: the diagnostic application in the portable terminal reminding the payee to tap the card against the transaction terminal; During the card tapping process, the transaction data is acquired through the near field communication function of the portable terminal, and the transaction data includes a transaction log.

4. The method according to claim 1, characterized in that: Sending the image data of the chip card includes: sending the image data of the chip card to a portable terminal of a diagnosing party; and The method further includes starting the sending of the mirror data by the following process before sending the mirror data: Starting a diagnostic application in the portable terminal of the diagnosing party and searching for a diagnostic task number to start sending mirror data; After the portable terminal of the diagnosing party receives the mirror data, the mirror data is sent to a programmable card through a near field communication function of the portable terminal, and the programmable card is provided to the diagnosing party in advance.

5. The method according to claim 4, characterized in that Reproducing a transaction scenario based on the mirror data of the chip card includes: inserting the pre-programmed card into the transaction terminal to reproduce a transaction scenario; The portable terminal of the diagnosing party acquires transaction data through its near field communication function in the process of reproducing the transaction scenario, and the transaction data includes a transaction log.

6. The method according to any one of claims 1 to 5, characterized in that The cause of the transaction abnormality is determined based on the diagnosis result of the transaction terminal and the diagnosis result of the card.

7. The method according to any one of claims 1 to 5, characterized in that The portable terminal is one of a mobile phone, a tablet, and a smart wearable device; the transaction terminal is one of a POS machine, a mobile phone, and a tablet.

8. A computer program product comprising program instructions, characterized in that: When the program instructions are executed, the method according to any one of claims 1 to 7 is implemented.

9. A computer program product comprising program expansion instructions, characterized in that: When the program instructions are executed: Issue a prompt to restore the transaction scenario; In the process of restoring the transaction scenario, instructing the electronic device executing the program instructions to read the transaction data through its near field communication function; The electronic device is instructed to send the read transaction data to a diagnosis platform.

10. A storage medium having program instructions stored thereon, characterized in that: The program instructions implement the method according to any one of claims 1 to 7 when executed.

11. A diagnostic platform, characterized in that: The diagnostic platform includes a memory and a processor, wherein the memory stores instructions, and when the processor executes the instructions: In response to the diagnosis request, create a diagnosis task according to the received information, including creating a diagnosis task number, creating mirror data of the chip card that generates the transaction anomaly, creating a feature information file of the chip card, and creating an information file of the payee; Performing card diagnosis on the chip card; Sending the image data of the chip card; The transaction terminal is diagnosed based on the received transaction data reproducing the transaction process.

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