Card number coding, double-identification payment card transaction method and device of one-core double-application smart card, storage medium and computer equipment

Abstract

The application provides a card number coding method and device of a one-core dual-application smart card, a dual-identification payment card transaction method, a storage medium and computer equipment. After the smart card is acquired, the BIN numbers of a first card organization and a second card organization in the chip are determined. Here, the application priority of the first card organization is higher than that of the second card organization. Then, a standard card number is allocated based on the BIN number of the second card organization, and a composite card number containing the standard card number is coded based on the BIN number of the first card organization and the standard card number. Subsequently, the standard card number and the composite card number are written into the corresponding card organizations of the chip, and the composite card number is printed on the card surface. The card surface information is simple, and when the transaction is performed, the transaction is preferentially routed to the card organization network with high priority according to the BIN number. Then, the routing can be transmitted to the card organization network with low priority through the standard card number, effectively solving the routing error problem, and thus meeting the payment use demand in various telecommunication service scenarios.

Description

Technical Field

[0001] This application relates to the field of smart card technology, and in particular to a card number encoding, dual-identity payment card transaction method, device, storage medium and computer equipment for a single-chip dual-application smart card. Background Technology

[0002] With the globalization of payments, dual-branded payment cards have emerged to meet cardholders' needs for seamless use across different card network organizations. These cards integrate two independent payment applications within a single chip, enabling multi-scenario payment functionality. In high-speed network environments such as the construction of next-generation mobile communication core and access networks and fiber optic broadband operation services, dual-branded payment cards require higher routing accuracy and transaction compatibility.

[0003] Currently, when dual-identity payment cards use a single card number scheme, the two payment applications on the card share a single physical card number. During a transaction, the chip selects the application based on priority. However, if the physical card number (BIN) does not match the card organization to which the chip selects the application, routing conflicts can easily occur, leading to transaction failures. In a dual-card number scheme, the two payment applications on the card are written with card numbers assigned by different card organizations, solving the routing problem. Although this solves the routing issue, the complexity of the card design due to the two card numbers can easily lead to confusion of user information. Summary of the Invention

[0004] The purpose of this application is to at least solve one of the aforementioned technical defects, particularly the technical defect in the prior art where dual-identity payment cards cannot guarantee accurate routing of transactions under the premise of simplified card information.

[0005] This application provides a card number encoding method for a single-chip dual-application smart card, the method comprising:

[0006] The chip integrates a first card organization and a second card organization into a single-chip dual-application smart card, and determines the first BIN number of the first card organization and the second BIN number of the second card organization; wherein the application priority of the first card organization is higher than that of the second card organization.

[0007] The standard card number of the second card organization is obtained based on the second BIN number, and the standard card number is written into the chip for the second card organization.

[0008] A composite card number is obtained by encoding the first BIN number and the standard card number, and the composite card number is written into the chip for the first card organization; the composite card number includes the standard card number.

[0009] The composite card number is printed onto the surface of a dual-application smart card after the card number has been written using printing equipment. During the printing process, the standard card number in the composite card number is visually highlighted to form a dual-identity payment card.

[0010] Optionally, the step of assigning the standard card number of the second card organization based on the second BIN number includes:

[0011] The second account identifier is assigned according to the identification allocation rules of the second card organization, and the second BIN number and the second account identifier are concatenated to obtain the concatenation result.

[0012] A verification algorithm is used to generate a second organizational verification bit in the spliced ​​result, and the spliced ​​result and the second organizational verification bit are concatenated to obtain the standard card number.

[0013] Optionally, the step of obtaining a composite card number based on the first BIN number and the standard card number includes:

[0014] The standard card number is used as the first account identifier of the first card organization and concatenated with the first BIN number to obtain the concatenation result.

[0015] A verification algorithm is used to generate the first organization check bit of the splicing result, and the splicing result and the first organization check bit are concatenated to obtain the composite card number.

[0016] This application also provides a dual-identifier payment card transaction method, the method comprising:

[0017] The transaction terminal reads the composite card number of the dual-identity payment card; the dual-identity payment card is obtained by encoding the card number of a single-chip dual-application smart card.

[0018] The first BIN number of the first card organization and the standard card number of the second card organization are obtained from the composite card number, and the first organization network corresponding to the first BIN number is determined.

[0019] Upon receiving transaction information input for the second card organization, a transaction message is generated based on the transaction information and the composite card number, and the transaction message is routed to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message;

[0020] Once the first organization network is authorized, the second BIN number of the second card organization is obtained from the standard card number, and the second organization network corresponding to the second BIN number is determined.

[0021] The transaction information and the standard card number are transmitted to the second organizational network for cross-organizational fund clearing, and the final transaction result is returned based on the clearing result.

[0022] Optionally, generating a transaction message based on the transaction information and the composite card number includes:

[0023] Authorization request data is generated based on the transaction information, and an encryption key bound to the composite card number is extracted from the chip of the dual-identity payment card;

[0024] Based on the authorization request data and the encryption key, a transaction ciphertext is generated, and the transaction terminal performs terminal packetization of the transaction ciphertext, the transaction information, and the composite card number to form a transaction message.

[0025] Optionally, routing the transaction message to the first organizational network so that the first organizational network completes the transaction authorization operation based on the transaction message includes:

[0026] The transaction message is routed to the first organization network through the transaction terminal, so that the authorization system of the first card organization can receive the transaction message through the first organization network.

[0027] The authorization system parses the transaction message to obtain the transaction ciphertext, transaction information, and composite card number. It then uses a preset encryption rule to encrypt the transaction information and the composite card number to obtain the verification ciphertext.

[0028] The authorization system verifies the consistency between the verification ciphertext and the transaction ciphertext. After successful verification, the system extracts the standard card number of the second card organization from the composite card number, performs an authorization check on the standard card number, and returns the authorization result in the form of a response message.

[0029] This application also provides a card number encoding device for a single-chip dual-application smart card, comprising:

[0030] The BIN number determination module is used to obtain the dual-application smart card with a first card organization and a second card organization integrated in the chip, and to determine the first BIN number of the first card organization and the second BIN number of the second card organization; wherein, the application priority of the first card organization is higher than that of the second card organization.

[0031] The first card number writing module is used to obtain the standard card number of the second card organization based on the second BIN number, and write the standard card number into the chip for the second card organization;

[0032] The second card number writing module is used to obtain a composite card number based on the first BIN number and the standard card number encoding, and to write the composite card number into the chip for the first card organization; the composite card number includes the standard card number.

[0033] The card number printing module is used to print the composite card number onto the surface of a dual-application smart card after the card number has been written using printing equipment, and to visually highlight the standard card number in the composite card number during the printing process to form a dual-identity payment card.

[0034] This application also provides a dual-identity payment card transaction device, including:

[0035] The card number reading module is used to read the composite card number of a dual-identity payment card through a transaction terminal; the dual-identity payment card is obtained by encoding the card number of a single-chip dual-application smart card;

[0036] The first card number parsing module is used to parse the first BIN number of the first card organization and the standard card number of the second card organization from the composite card number, and to determine the first organization network corresponding to the first BIN number.

[0037] The transaction authorization module is used to generate a transaction message based on the transaction information and the composite card number after receiving transaction information input for the second card organization, and to route the transaction message to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message;

[0038] The second card number parsing module is used to parse the second BIN number of the second card organization from the standard card number after the first organization network authorization is completed, and to determine the second organization network corresponding to the second BIN number;

[0039] The funds clearing module is used to transmit the transaction information and the standard card number to the second organizational network for cross-organizational funds clearing, and return the final transaction result based on the clearing result.

[0040] This application also provides a storage medium storing computer-readable instructions, which, when executed by one or more processors, cause the one or more processors to perform the steps of the card number encoding method for a single-chip dual-application smart card or the dual-identifier payment card transaction method as described in any of the above embodiments.

[0041] This application also provides a computer device, including: one or more processors, and memory;

[0042] The memory stores computer-readable instructions, which, when executed by the one or more processors, perform the steps of the card number encoding method for a single-chip dual-application smart card or the dual-identifier payment card transaction method as described in any of the above embodiments.

[0043] As can be seen from the above technical solutions, the embodiments of this application have the following advantages:

[0044] The card number encoding, dual-identity payment card transaction method, device, storage medium, and computer equipment provided in this application for a single-chip dual-application smart card, after obtaining the single-chip dual-application smart card, can determine the first BIN number of the first card organization and the second BIN number of the second card organization in its chip. Here, the application priority of the first card organization is higher than that of the second card organization, thus clearly defining the priority of the two card organizations and their BIN numbers, ensuring that the subsequently allocated card numbers can be accurately routed during transactions; then, a standard card number of the second card organization can be allocated based on the second BIN number, and the standard card number of the second card organization can be written into the chip, so that the card number of the lower-priority card organization has uniqueness and validity, and can be used for transactions normally when necessary; subsequently, based on the first BIN number... A composite card number is obtained by encoding the standard card number and writing it into the chip for the first card organization. This composite card number contains the standard card number of the second card organization. Therefore, after the transaction terminal prioritizes routing the transaction to the higher-priority card organization network based on the BIN number, it can also pass the route to the lower-priority card organization network through the standard card number, thus solving the routing error problem. Finally, the composite card number can be printed on the face of the dual-application smart card after the card number is written using printing equipment. During the printing process, the standard card number in the composite card number is visually highlighted. The resulting dual-identity payment card not only has concise card information but also ensures the independence and functionality of the two card organization applications, thereby meeting the payment needs of various telecommunications service scenarios. Attached Figure Description

[0045] To more clearly illustrate the technical solutions in the embodiments of this application or the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0046] Figure 1 A flowchart illustrating a card number encoding method for a single-chip dual-application smart card provided in this application embodiment;

[0047] Figure 2 A flowchart illustrating a dual-identifier payment card transaction method provided in this application embodiment;

[0048] Figure 3 A schematic diagram of the structure of a card number encoding device for a single-chip dual-application smart card provided in an embodiment of this application;

[0049] Figure 4 This is a schematic diagram of the structure of a dual-identifier payment card transaction device provided in an embodiment of this application;

[0050] Figure 5 This is a schematic diagram of the internal structure of a computer device provided in an embodiment of this application. Detailed Implementation

[0051] The technical solutions of the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some embodiments of this application, and not all embodiments. Based on the embodiments of this application, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of this application.

[0052] Currently, when dual-identity payment cards use a single card number scheme, the two payment applications on the card share a single physical card number. During a transaction, the chip selects the application based on priority. However, if the physical card number (BIN) does not match the card organization to which the chip selects the application, routing conflicts can easily occur, leading to transaction failures. In a dual-card number scheme, the two payment applications on the card are written with card numbers assigned by different card organizations, solving the routing problem. Although this solves the routing issue, the complexity of the card design due to the two card numbers can easily lead to confusion of user information.

[0053] Based on this, this application proposes the following technical solution, as detailed below:

[0054] In one embodiment, such as Figure 1 As shown, Figure 1 This is a flowchart illustrating a card number encoding method for a single-chip dual-application smart card provided in an embodiment of this application. The application provides a card number encoding method for a single-chip dual-application smart card, specifically including the following:

[0055] S110: Obtain the dual-application smart card with integrated first and second card organizations in the chip, and determine the first BIN number of the first card organization and the second BIN number of the second card organization; wherein, the application priority of the first card organization is higher than that of the second card organization.

[0056] In this step, after obtaining the dual-application smart card, the computer device can determine the first BIN number of the first card organization and the second BIN number of the second card organization in the chip. Here, the application priority of the first card organization is higher than that of the second card organization, thus clearly defining the priority of the two card organizations and their BIN numbers, ensuring that the card numbers subsequently allocated can be accurately routed during transactions.

[0057] Application priority refers to an application selection rule parameter set in a multi-application payment card to distinguish the order in which multiple payment applications are used within the same chip. It indicates the priority of each payment application during a transaction. During the card personalization stage, the card issuer can configure the payment applications that it wants to use first to have a higher application priority, based on business strategies or usage scenarios. For example, setting the application priority of the UnionPay application to 01 ensures that when multiple applications are available, the application will be selected first by transaction terminals such as POS terminals to complete the transaction.

[0058] Specifically, computer equipment can parse the chip information and application configuration of the acquired dual-application smart card, identifying the card organizations (BINs) of the two payment applications, their corresponding BINs, and application priorities. The card organization with the higher application priority is defined as the first card organization, and the card organization with the lower application priority is defined as the second card organization. By clearly mapping and binding card organizations, BINs, and application priorities, consistency and predictability can be ensured for subsequent card number allocation and application selection, reducing the probability of transaction routing errors from the outset.

[0059] S120: Obtain the standard card number of the second card organization based on the second BIN number, and write the standard card number of the second card organization into the chip.

[0060] In this step, after determining the second BIN number of the second card organization through step S110, the computer device can allocate the standard card number of the second card organization based on the second BIN number, and write the standard card number of the second card organization into the chip, so that the card number of the low-priority card organization has uniqueness and validity, and can conduct transactions normally when necessary.

[0061] Understandably, given the clear application priorities and corresponding BIN numbers of each card organization, computer equipment can generate a standard card number conforming to the rules of the second card organization based on the second BIN number. During card personalization, this standard card number is written into the chip's storage area corresponding to the second card organization, ensuring that even lower-priority card organization payment applications have independent, complete, and compliant card number identifiers. Even if the payment application is not prioritized by default, it can still be correctly identified by the transaction terminal and participate in transaction processing under specific acceptance environments, transaction scenarios, or priority switching conditions, ensuring that transaction requests are routed and processed according to the correct card organization path within the corresponding network.

[0062] S130: Obtain the composite card number based on the first BIN number and the standard card number, and write the composite card number into the chip for the first card organization; the composite card number contains the standard card number.

[0063] In this step, after the standard card number is generated, the computer device can encode a composite card number based on the first BIN number and the standard card number, and write the composite card number into the chip for the first card organization. This composite card number contains the standard card number of the second card organization. Therefore, after the transaction terminal routes the transaction to the card organization network with higher priority based on the BIN number, it can also pass the route to the card organization network with lower priority through the standard card number, thereby solving the routing error problem.

[0064] Specifically, the computer device can combine and encode the standard card number according to a preset card number encoding rule based on the first BIN number corresponding to the first card organization, generating a composite card number suitable for the first card organization. During the card personalization stage, this composite card number is written into the storage area of ​​the chip corresponding to the payment application of the first card organization. While maintaining the routing of the first BIN number, this composite card number internally embeds the standard card number of the second card organization, ensuring that the card number conforms to the card number system of the first card organization at the external identification level, while internally carrying valid identification information pointing to the second card organization.

[0065] Therefore, in actual transactions, the transaction terminal can first route the transaction request to the first card organization network with higher application priority based on the first BIN number corresponding to the composite card number. After the first card organization network recognizes the second card organization standard card number contained in the composite card number, it can further transmit or transfer the transaction routing information to the second card organization network corresponding to the second BIN number in the standard card number to complete subsequent processing. This ensures the accuracy of transaction routing in the fiber broadband operation service environment and realizes the correct transaction flow across card organizations.

[0066] S140: The composite card number is printed on the surface of a dual-application smart card after the card number has been written using printing equipment, and the standard card number in the composite card number is visually highlighted during the printing process to form a dual-identity payment card.

[0067] In this step, after generating the composite card number in step S130, the computer equipment can print the composite card number on the surface of the dual-application smart card after the card number is written, and visually highlight the standard card number in the composite card number during the printing process. The resulting dual-identity payment card not only has concise card information, but also ensures the independence and functionality of the two card organizations' payment applications, thereby meeting the payment needs of various telecommunications service scenarios.

[0068] Specifically, after the computer equipment completes the writing of the card number of the dual-application smart card, it can control the printing equipment to print the corresponding composite card number on the surface of the smart card. During the printing process, the standard card number portion contained in the composite card number is differentiated, for example, by using font size, color, separators, or layout position to visually highlight the standard card number. This allows the card surface to still present a single card number structure as a whole, while clearly conveying the dual-card organization information contained in the composite card number.

[0069] Understandably, by visually highlighting the standard card number in the composite card number, dual-identity payment cards can effectively carry application information from both card organizations without increasing the number of additional card numbers or disrupting traditional card layout habits. This makes the card information more concise and intuitive, while ensuring the relative independence of the two card organizations' payment applications in terms of logic and function, providing clear identification support for cross-card organization transactions and routing.

[0070] In the above embodiments, after obtaining a dual-application smart card, the first BIN number of the first card organization and the second BIN number of the second card organization in the chip can be determined. Here, the application priority of the first card organization is higher than that of the second card organization, thus clearly defining the priority of the two card organizations and their BIN numbers, ensuring that the card numbers subsequently allocated can be accurately routed during transactions. Next, a standard card number of the second card organization can be allocated based on the second BIN number, and the standard card number is written into the chip for the second card organization, so that the card number of the lower-priority card organization has uniqueness and validity, and can be used for transactions normally when necessary. Subsequently, a composite card number can be obtained by encoding based on the first BIN number and the standard card number, and then written into the chip. A composite card number is written to the first card organization, which contains the standard card number of the second card organization. Therefore, after the transaction terminal prioritizes routing the transaction to the higher-priority card organization network based on the BIN number, it can also pass the route to the lower-priority card organization network through the standard card number, thus solving the routing error problem. Finally, the composite card number can be printed on the face of the dual-application smart card after the card number is written, and the standard card number in the composite card number is visually highlighted during the printing process. The resulting dual-identity payment card not only has concise card information, but also ensures the independence and functionality of the two card organization applications, thereby meeting the payment needs of various telecommunications service scenarios.

[0071] In one embodiment, the process of allocating a standard card number for the second card organization based on the second BIN number in step S120 may include:

[0072] S121: The second account identifier is assigned according to the identification allocation rules of the second card organization, and the second BIN number and the second account identifier are concatenated to obtain the concatenation result.

[0073] S122: Use a verification algorithm to generate the second organizational verification bit of the splicing result, and then concatenate the splicing result and the second organizational verification bit to obtain the standard card number.

[0074] In this embodiment, when allocating a standard card number, the computer device can first allocate a second account identifier according to the second card organization's identifier allocation rules, and then concatenate the second BIN number and the second account identifier to obtain the concatenation result. Then, a verification algorithm is used to generate a second organization verification bit in the concatenation result, and the concatenation result and the second organization verification bit are concatenated to obtain the standard card number.

[0075] Understandably, a payment application's card number typically consists of multiple fields with clearly defined semantics and functions, arranged sequentially. These fields together form a complete number structure that can be identified, verified, and routed by the payment system. Generally, the first part of the card number is the BIN (Bill of Invoice), which indicates the card organization to which the card belongs, providing a basis for transaction routing. Following the BIN is the account identifier, used to uniquely identify the specific cardholder account within the corresponding card organization's system. This part is usually allocated by the issuing institution according to its account management rules. At the end of the card number is a check digit, calculated using a predetermined verification algorithm based on the BIN and account identifier. This check digit is used to quickly verify the integrity and correctness of the card number during transaction acceptance, data transmission, and system processing.

[0076] Therefore, the computer equipment can first generate the corresponding second account identifier according to the identifier allocation rules pre-defined by the second card organization, then concatenate the second account identifier with the corresponding second BIN number according to the predetermined number of digits and order, and then perform a verification algorithm consistent with the second card organization specifications on the concatenation result to generate the second organization check bit. Finally, the second organization check bit can be concatenated with the above concatenation result again to obtain a standard card number that conforms to the second card organization's coding rules and verification requirements, providing a stable and reliable foundation for subsequent second card organization transactions.

[0077] In one embodiment, the process of obtaining the composite card number based on the first BIN number and the standard card number encoding in step S130 may include:

[0078] S131: Use the standard card number as the first account identifier of the first card organization and concatenate it with the first BIN number to obtain the concatenation result.

[0079] S132: Use a verification algorithm to generate the first organization check bit of the splicing result, and then concatenate the splicing result and the first organization check bit to obtain the composite card number.

[0080] In this embodiment, when encoding a composite card number, the computer device can first use the standard card number as the first account identifier of the first card organization, concatenate it with the first BIN number to obtain the concatenation result, then use a verification algorithm to generate the first organization verification bit of the concatenation result, and concatenate the concatenation result and the first organization verification bit to obtain the composite card number.

[0081] It is understood that this application does not generate completely equivalent external card numbers independently for the two card organizations. Instead, it treats the standard card number of the second card organization as a whole as the account identifier part in the card number structure of the first card organization, then concatenates it with the first BIN number, and generates the corresponding first organization check bit according to the verification rules of the first card organization, thus forming a composite card number that fully conforms to the specifications of the first card organization in appearance and structure.

[0082] Therefore, for the transaction terminal, the composite card number only represents the legitimate card number of the first card organization. Thus, during the transaction process, it can be routed to the first card organization network with priority and accuracy. In the back-end processing stage of the first card organization or its authorized branch, the embedded standard card number of the second card organization can be parsed from the composite card number, and the transaction can be further transferred or mapped to the second card organization network for processing. This fundamentally avoids the routing error problem caused by the inconsistency between the BIN number and the application in dual-identity payment cards.

[0083] In one embodiment, such as Figure 2 As shown, Figure 2 This application provides a flowchart illustrating a dual-identity payment card transaction method as an embodiment of the present application. The present application also provides a dual-identity payment card transaction method, specifically including the following:

[0084] S150: Reads the composite card number of the dual-identity payment card through the transaction terminal; the dual-identity payment card is obtained by encoding the card number of a single-chip dual-application smart card.

[0085] In this step, when a user uses a dual-identity payment card to conduct a transaction with the transaction terminal, the computer equipment can read the composite card number of the dual-identity payment card through the transaction terminal to complete the transaction using that composite card number.

[0086] Understandably, the composite card number here is generated based on a dual-application smart card using specific card number encoding rules. It contains not only the BIN number of the first card organization but also embeds the standard card number of the second card organization. Therefore, by reading this composite card number, the transaction terminal can identify the BIN number of the high-application-priority card organization and select the appropriate payment application for the transaction according to a preset application priority indicator. Simultaneously, when necessary, it can parse the standard card number of the low-application-priority card organization embedded in the composite card number to achieve transaction routing or information transmission to the second card organization.

[0087] S160: Parse the first BIN number of the first card organization and the standard card number of the second card organization from the composite card number, and determine the first organization network corresponding to the first BIN number.

[0088] In this step, after reading the composite card number in step S150, the computer device can parse the composite card number to obtain the first BIN number of the first card organization and the standard card number of the second card organization through the transaction terminal, and determine the first organization network corresponding to the first BIN number.

[0089] Understandably, the first organization network ensures that the transaction terminal completes accurate routing for high application priority card organizations at the initial stage of the transaction, avoiding routing errors or transaction rejections caused by inconsistencies between the BIN number of the primary card number and the actual application. By obtaining the standard card number of the second card organization, the transaction terminal can provide identifiable and processable identification information for transactions of low application priority card organizations without affecting high application priority routing, thus achieving effective connection and secure transmission of cross-card organization transactions.

[0090] S170: After receiving transaction information input for the second card organization, generate a transaction message based on the transaction information and the composite card number, and route the transaction message to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message.

[0091] In this step, after receiving the transaction information input for the second card organization through the transaction terminal, the computer device can generate a transaction message based on the transaction information and the composite card number, and route the transaction message to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message.

[0092] Transaction authorization refers to a series of verification operations performed by the payment system on the cardholder's account status and transaction request during the payment transaction process to ensure the legality, enforceability and security of the transaction. These operations include verifying whether the account has sufficient credit limit or available balance to complete the transaction, and verifying whether the account has any abnormal status, such as whether it has been blacklisted, frozen or subject to other restrictions.

[0093] Specifically, the transaction terminal can associate and parse the transaction information with the composite card number in the dual-identity payment card, and construct a complete transaction message based on the transaction information and the composite card number. During the transaction message generation process, the computer equipment can encapsulate basic transaction information such as the transaction amount and terminal information to ensure that the transaction message can be correctly identified and processed during subsequent network transmission. Subsequently, the transaction terminal can prioritize routing the transaction message to the first card organization network, so that the first card organization network, upon receiving the message, can complete the transaction authorization and processing operations based on the first BIN number and transaction information contained in the message.

[0094] S180: After the first organization network is authorized, the second BIN number of the second card organization is obtained from the standard card number, and the second organization network corresponding to the second BIN number is determined.

[0095] In this step, after the transaction authorization is completed in step S170, the computer device can parse the second BIN number of the second card organization from the standard card number through the transaction terminal, and determine the second organization network corresponding to the second BIN number as the fund clearing route for transaction acceptance.

[0096] Understandably, through the second network, the transaction terminal can provide complete and accurate network routing information to the second network while keeping the transaction processing results of the first network unchanged. This ensures the correct flow and authorization of transactions between different network organizations, thereby improving the transaction success rate in a multi-network environment.

[0097] S190: Transmit transaction information and standard card number to the second organizational network for cross-organizational fund clearing, and return the final transaction result based on the clearing result.

[0098] In this step, after the second organizational network is determined through step S180, the computer equipment can transmit transaction information and standard card number to the second organizational network through the transaction terminal to carry out cross-organizational fund clearing, and return the final transaction result based on the clearing result.

[0099] Specifically, after the first card organization completes transaction authorization and confirms the transaction's validity, the transaction terminal encapsulates the transaction information along with the standard card number of the second card organization to generate a transaction message suitable for processing by the second organization's network. This message is then transmitted to the second card organization's network for cross-organizational fund clearing. During the clearing process, the second card organization's network can verify the cardholder's balance or credit limit, register transaction records, and transfer funds based on the standard card number and transaction information in the message, generating corresponding clearing results. Upon receiving the clearing results from the second organization's network, the computer equipment can integrate them with the authorization information from the first organization's network to generate a complete and final transaction result, which is then fed back to the transaction terminal, thus achieving closed-loop processing and fund transfer confirmation for the entire cross-organizational transaction.

[0100] In one embodiment, the process of generating a transaction message based on transaction information and composite card number in step S170 may include:

[0101] S171: Generate authorization request data based on transaction information, and extract the encryption key bound to the composite card number from the chip of the dual-identity payment card.

[0102] S172: Generate transaction ciphertext based on authorization request data and encryption key, and then use the transaction terminal to package the transaction ciphertext, transaction information and composite card number into a transaction message.

[0103] In this embodiment, the computer device can generate authorization request data based on transaction information, and extract the encryption key bound to the composite card number from the chip of the dual-identity payment card. Then, it generates transaction ciphertext based on the authorization request data and the encryption key, and performs terminal packetization of the transaction ciphertext, transaction information and composite card number through the transaction terminal to form a transaction message. The transaction message here can be compatible with the transmission protocol of fiber broadband operation service.

[0104] Specifically, during transaction processing, the computer equipment can generate complete authorization request data based on the transaction information received by the transaction terminal. This data may include the transaction amount, terminal identifier, transaction time, and other necessary transaction parameters for subsequent transaction authorization and fund clearing. Simultaneously, the computer equipment can extract an encryption key strictly bound to the composite card number from the chip of the dual-identity payment card. This key is written into the chip by the issuing bank during the card personalization stage, ensuring that each card's key is unique and corresponds one-to-one with the composite card number.

[0105] After obtaining the authorization request data and encryption key, the computer device can encrypt the authorization request data based on a preset encryption algorithm to generate transaction ciphertext, thereby ensuring the confidentiality and integrity of the transaction information during transmission. Subsequently, the computer device can use a transaction terminal to package the transaction ciphertext, transaction information, and composite card number into a complete transaction message that conforms to the payment system message specifications, so as to carry out subsequent routing, authorization, and settlement operations in the payment network, achieving transaction reliability and consistency.

[0106] In one embodiment, the process of routing the transaction message to the first organization network in step S170, so that the first organization network completes the transaction authorization operation based on the transaction message, may include:

[0107] S173: The transaction message is routed to the first organization network through the transaction terminal so that the authorization system of the first card organization can receive the transaction message through the first organization network.

[0108] S174: The transaction message is parsed through the authorization system to obtain the transaction ciphertext, transaction information and composite card number, and the transaction information and composite card number are encrypted using preset encryption rules to obtain the verification ciphertext.

[0109] S175: The authentication ciphertext and transaction ciphertext are verified for consistency through the authorization system. After successful verification, the standard card number of the second card organization is extracted from the composite card number, and the authorization is checked on the standard card number. The authorization result is returned in the form of a response message.

[0110] In this embodiment, after the computer device routes the transaction message to the first organization network through the transaction terminal, the authorization system of the first card organization can receive the transaction message through the first organization network, and then parse the transaction message to obtain the transaction ciphertext, transaction information and composite card number. The transaction information and composite card number are encrypted using preset encryption rules to obtain the verification ciphertext. The verification ciphertext and the transaction ciphertext can then be verified for consistency. After the verification is successful, the standard card number of the second card organization is extracted from the composite card number, and the authorization is checked on the standard card number. The authorization result is returned in the form of a response message, thereby adapting to the authorization response requirements of various telecommunications services.

[0111] Specifically, after receiving a transaction message, the authorization system of the first card organization can extract key data such as the transaction ciphertext, transaction information, and composite card number. Using the same encryption rules as the transaction terminal, it performs encryption calculations on the transaction information and composite card number to generate verification ciphertext. This verification ciphertext is then compared with the transaction ciphertext carried in the transaction message to confirm the integrity and authenticity of the transaction information. After successful verification, the authorization system can further parse the embedded standard card number of the second card organization from the composite card number and perform authorization checks on the second card organization account based on this standard card number. This includes verifying the account balance or credit limit, checking the account status, and verifying the existence of blacklist records to ensure that the transaction complies with account management rules. Based on the results of the authorization checks, the authorization system can generate a corresponding response message and return it to the transaction terminal.

[0112] Furthermore, if the authorization check passes, the authorization system can use the system key to generate an authorization response message containing an approval instruction; if the authorization check fails, the authorization response message generated by the authorization system contains a clear reason for rejection, so that the terminal and cardholder are aware of the reason for the transaction failure.

[0113] The card number encoding device and dual-identity payment card transaction device of the single-chip dual-application smart card provided in the embodiments of this application are described below. The card number encoding device and dual-identity payment card transaction device of the single-chip dual-application smart card described below can be referred to in correspondence with the card number encoding method and dual-identity payment card transaction method of the single-chip dual-application smart card described above.

[0114] In one embodiment, such as Figure 3 As shown, Figure 3This application provides a schematic diagram of a card number encoding device for a single-chip dual-application smart card. The application also provides a card number encoding device for a single-chip dual-application smart card, including a BIN number determination module 210, a first card number writing module 220, a second card number writing module 230, and a card number printing module 240, specifically comprising the following:

[0115] The BIN number determination module 210 is used to obtain the dual-application smart card integrating the first card organization and the second card organization in the chip, and determine the first BIN number of the first card organization and the second BIN number of the second card organization; wherein, the application priority of the first card organization is higher than that of the second card organization.

[0116] The first card number writing module 220 is used to obtain the standard card number of the second card organization based on the second BIN number, and write the standard card number of the second card organization into the chip.

[0117] The second card number writing module 230 is used to obtain a composite card number based on the first BIN number and the standard card number encoding, and write the composite card number into the chip for the first card organization; the composite card number contains the standard card number.

[0118] The card number printing module 240 is used to print the composite card number on the surface of the single-core dual-application smart card after the card number has been written through the printing equipment, and to visually highlight the standard card number in the composite card number during the printing process to form a dual-identity payment card.

[0119] In the above embodiments, after obtaining a dual-application smart card, the first BIN number of the first card organization and the second BIN number of the second card organization in the chip can be determined. Here, the application priority of the first card organization is higher than that of the second card organization, thus clearly defining the priority of the two card organizations and their BIN numbers, ensuring that the card numbers subsequently allocated can be accurately routed during transactions. Next, a standard card number of the second card organization can be allocated based on the second BIN number, and the standard card number is written into the chip for the second card organization, so that the card number of the lower-priority card organization has uniqueness and validity, and can be used for transactions normally when necessary. Subsequently, a composite card number can be obtained by encoding based on the first BIN number and the standard card number, and then written into the chip. A composite card number is written to the first card organization, which contains the standard card number of the second card organization. Therefore, after the transaction terminal prioritizes routing the transaction to the higher-priority card organization network based on the BIN number, it can also pass the route to the lower-priority card organization network through the standard card number, thus solving the routing error problem. Finally, the composite card number can be printed on the face of the dual-application smart card after the card number is written, and the standard card number in the composite card number is visually highlighted during the printing process. The resulting dual-identity payment card not only has concise card information, but also ensures the independence and functionality of the two card organization applications, thereby meeting the payment needs of various telecommunications service scenarios.

[0120] In one embodiment, the first card number writing module 220 may include:

[0121] The first character concatenation submodule is used to obtain the second account identifier according to the identification allocation rules of the second card organization, and to concatenate the second BIN number and the second account identifier to obtain the concatenation result.

[0122] The first card number generation submodule is used to generate the second organizational check digit of the concatenated result using a verification algorithm, and then concatenates the concatenated result and the second organizational check digit to obtain the standard card number.

[0123] In one embodiment, the second card number writing module 230 may include:

[0124] The second character concatenation submodule is used to concatenate the standard card number as the first account identifier of the first card organization with the first BIN number to obtain the concatenation result.

[0125] The second card number generation submodule is used to generate the first organizational check digit of the concatenated result using a verification algorithm, and then concatenates the concatenated result and the first organizational check digit to obtain the composite card number.

[0126] In one embodiment, such as Figure 4 As shown, Figure 4 This application provides a schematic diagram of the structure of a dual-identity payment card transaction device according to an embodiment of the present application. The present application also provides a dual-identity payment card transaction device, including a card number reading module 250, a first card number parsing module 260, a transaction authorization module 270, a second card number parsing module 280, and a funds clearing module 290, specifically comprising the following:

[0127] The card number reading module 250 is used to read the composite card number of a dual-identity payment card through a transaction terminal; the dual-identity payment card is obtained by encoding the card number of a single-chip dual-application smart card.

[0128] The first card number parsing module 260 is used to parse the first BIN number of the first card organization and the standard card number of the second card organization from the composite card number, and to determine the first organization network corresponding to the first BIN number.

[0129] The transaction authorization module 270 is used to generate a transaction message based on the transaction information and composite card number after receiving the transaction information input for the second card organization, and to route the transaction message to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message.

[0130] The second card number parsing module 280 is used to parse the second BIN number of the second card organization from the standard card number after the first organization network authorization is completed, and to determine the second organization network corresponding to the second BIN number.

[0131] The funds clearing module 290 is used to transmit transaction information and standard card numbers to the second organizational network for cross-organizational funds clearing, and return the final transaction result based on the clearing result.

[0132] In one embodiment, the transaction authorization module 270 may include:

[0133] The key extraction submodule is used to generate authorization request data based on transaction information, and to extract the encryption key bound to the composite card number from the chip of the dual-identity payment card.

[0134] The message generation submodule is used to generate transaction ciphertext based on authorization request data and encryption key, and to assemble the transaction ciphertext, transaction information and composite card number into a transaction message through the transaction terminal.

[0135] In one embodiment, the transaction authorization module 270 may further include:

[0136] The network routing submodule is used to route transaction messages to the first organization network through the transaction terminal, so that the authorization system of the first card organization can receive the transaction messages through the first organization network.

[0137] The ciphertext verification submodule is used to parse transaction messages through the authorization system to obtain transaction ciphertext, transaction information and composite card number, and to perform encryption calculations on transaction information and composite card number using preset encryption rules to obtain verification ciphertext.

[0138] The authorization check submodule is used to verify the consistency between the verification ciphertext and the transaction ciphertext through the authorization system. After the verification is successful, the standard card number of the second card organization is extracted from the composite card number, and the authorization check is performed on the standard card number. The authorization result is returned in the form of a response message.

[0139] In one embodiment, this application also provides a storage medium storing computer-readable instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of the card number encoding method for a single-chip dual-application smart card or the dual-identifier payment card transaction method as described in any of the above embodiments.

[0140] In one embodiment, this application also provides a computer device storing computer-readable instructions that, when executed by one or more processors, cause the one or more processors to perform the steps of the card number encoding method for a single-chip dual-application smart card or the dual-identifier payment card transaction method as described in any of the above embodiments.

[0141] Indicatively, such as Figure 5 As shown, Figure 5 This is a schematic diagram of the internal structure of a computer device 300 provided in an embodiment of this application. The computer device 300 can be provided as a server. (Refer to...) Figure 5 The computer device 300 includes a processing component 302, which further includes one or more processors, and memory resources represented by memory 301 for storing instructions, such as application programs, that can be executed by the processing component 302. The application programs stored in memory 301 may include one or more modules, each corresponding to a set of instructions. Furthermore, the processing component 302 is configured to execute instructions to perform the card number encoding method or dual-identity payment card transaction method of any of the above embodiments.

[0142] The computer device 300 may also include a power supply component 303 configured to perform power management of the computer device 300, a wired or wireless network interface 304 configured to connect the computer device 300 to a network, and an input / output (I / O) interface 305. The computer device 300 may operate on an operating system stored in memory 301, such as Windows Server™, Mac OS X™, Unix™, Linux™, Free BSD™, or similar.

[0143] Those skilled in the art will understand that Figure 5 The structure shown is merely a block diagram of a portion of the structure related to the present application and does not constitute a limitation on the computer device to which the present application is applied. Specific computer devices may include more or fewer components than those shown in the figure, or combine certain components, or have different component arrangements.

[0144] Finally, it should be noted that in this document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. Furthermore, the terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising one..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes said element.

[0145] The various embodiments in this specification are described in a progressive manner. Each embodiment focuses on the differences from other embodiments. The various embodiments can be combined as needed, and the same or similar parts can be referred to each other.

[0146] The above description of the disclosed embodiments enables those skilled in the art to make or use this application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of this application. Therefore, this application is not to be limited to the embodiments shown herein, but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A card number encoding method for a single-chip dual-application smart card, characterized in that, The method includes: The chip integrates a first card organization and a second card organization into a single-chip dual-application smart card, and determines the first BIN number of the first card organization and the second BIN number of the second card organization; wherein the application priority of the first card organization is higher than that of the second card organization. The standard card number of the second card organization is obtained based on the second BIN number, and the standard card number is written into the chip for the second card organization. A composite card number is obtained by encoding the first BIN number and the standard card number, and the composite card number is written into the chip for the first card organization; the composite card number includes the standard card number. The composite card number is printed onto the surface of a dual-application smart card after the card number is written using printing equipment, and the standard card number in the composite card number is visually highlighted during the printing process to form a dual-identity payment card. The process of obtaining the standard card number of the second card organization based on the second BIN number includes: The second account identifier is assigned according to the identification allocation rules of the second card organization, and the second BIN number and the second account identifier are concatenated to obtain the concatenation result. A verification algorithm is used to generate a second organizational verification bit in the spliced ​​result, and the spliced ​​result and the second organizational verification bit are concatenated to obtain the standard card number.

2. The card number encoding method according to claim 1, characterized in that, The process of obtaining a composite card number based on the first BIN number and the standard card number includes: The standard card number is used as the first account identifier of the first card organization and concatenated with the first BIN number to obtain the concatenation result. A verification algorithm is used to generate the first organization check bit of the splicing result, and the splicing result and the first organization check bit are concatenated to obtain the composite card number.

3. A dual-identifier payment card transaction method, characterized in that, The method includes: The transaction terminal reads the composite card number of the dual-identity payment card; the dual-identity payment card is obtained by encoding the card number of a single-chip dual-application smart card using the card number encoding method described in claim 1. The first BIN number of the first card organization and the standard card number of the second card organization are obtained from the composite card number, and the first organization network corresponding to the first BIN number is determined. Upon receiving transaction information input for the second card organization, a transaction message is generated based on the transaction information and the composite card number, and the transaction message is routed to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message; Once the first organization network is authorized, the second BIN number of the second card organization is obtained from the standard card number, and the second organization network corresponding to the second BIN number is determined. The transaction information and the standard card number are transmitted to the second organizational network for cross-organizational fund clearing, and the final transaction result is returned based on the clearing result.

4. The dual-identifier payment card transaction method according to claim 3, characterized in that, The step of generating a transaction message based on the transaction information and the composite card number includes: Authorization request data is generated based on the transaction information, and an encryption key bound to the composite card number is extracted from the chip of the dual-identity payment card; Based on the authorization request data and the encryption key, a transaction ciphertext is generated, and the transaction terminal performs terminal packetization of the transaction ciphertext, the transaction information, and the composite card number to form a transaction message.

5. The dual-identifier payment card transaction method according to claim 3, characterized in that, The step of routing the transaction message to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message includes: The transaction message is routed to the first organization network through the transaction terminal, so that the authorization system of the first card organization can receive the transaction message through the first organization network. The authorization system parses the transaction message to obtain the transaction ciphertext, transaction information, and composite card number. It then uses a preset encryption rule to encrypt the transaction information and the composite card number to obtain the verification ciphertext. The authorization system verifies the consistency between the verification ciphertext and the transaction ciphertext. After successful verification, the system extracts the standard card number of the second card organization from the composite card number, performs an authorization check on the standard card number, and returns the authorization result in the form of a response message.

6. A card number encoding device for a single-chip dual-application smart card, applied to the card number encoding method as described in claim 1, characterized in that, include: The BIN number determination module is used to obtain the dual-application smart card with a first card organization and a second card organization integrated in the chip, and to determine the first BIN number of the first card organization and the second BIN number of the second card organization; wherein, the application priority of the first card organization is higher than that of the second card organization. The first card number writing module is used to obtain the standard card number of the second card organization based on the second BIN number, and write the standard card number into the chip for the second card organization; The second card number writing module is used to obtain a composite card number based on the first BIN number and the standard card number encoding, and to write the composite card number into the chip for the first card organization; the composite card number includes the standard card number. The card number printing module is used to print the composite card number onto the surface of a dual-application smart card after the card number has been written using printing equipment, and to visually highlight the standard card number in the composite card number during the printing process to form a dual-identity payment card. The process of obtaining the standard card number of the second card organization based on the second BIN number includes: The second account identifier is assigned according to the identification allocation rules of the second card organization, and the second BIN number and the second account identifier are concatenated to obtain the concatenation result. A verification algorithm is used to generate a second organizational verification bit in the spliced ​​result, and the spliced ​​result and the second organizational verification bit are concatenated to obtain the standard card number.

7. A dual-identity payment card transaction device, applied to the dual-identity payment card transaction method as described in claim 3, characterized in that, include: The card number reading module is used to read the composite card number of a dual-identity payment card through the transaction terminal; The dual-identity payment card is obtained by encoding the card number of a single-chip dual-application smart card using the card number encoding method described in claim 1. The first card number parsing module is used to parse the first BIN number of the first card organization and the standard card number of the second card organization from the composite card number, and to determine the first organization network corresponding to the first BIN number. The transaction authorization module is used to generate a transaction message based on the transaction information and the composite card number after receiving transaction information input for the second card organization, and to route the transaction message to the first organization network so that the first organization network can complete the transaction authorization operation based on the transaction message; The second card number parsing module is used to parse the second BIN number of the second card organization from the standard card number after the first organization network authorization is completed, and to determine the second organization network corresponding to the second BIN number; The funds clearing module is used to transmit the transaction information and the standard card number to the second organizational network for cross-organizational funds clearing, and return the final transaction result based on the clearing result.

8. A storage medium, characterized in that: The storage medium stores computer-readable instructions, which, when executed by one or more processors, cause the one or more processors to perform the steps of the card number encoding method for a single-chip dual-application smart card as described in any one of claims 1 to 2, and the dual-identity payment card transaction method as described in any one of claims 3 to 5.

9. A computer device, characterized in that, include: One or more processors, and memory; The memory stores computer-readable instructions, which, when executed by the one or more processors, perform the steps of the card number encoding method for a single-chip dual-application smart card as described in any one of claims 1 to 2, and the dual-identity payment card transaction method as described in any one of claims 3 to 5.

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