Offline Credit Loading for Electronic Cash Cards
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Solution Overview
Problem
Existing electronic cash card credit loading methods require online verification with the issuing bank, limiting offline recharging capabilities, especially in industries where real-time synchronization is not necessary.
Innovation Solution
An offline credit loading system that allows electronic cash cards to communicate directly with a terminal and a backstage system to update credit loading limits without online processing with the issuing bank, using a safety module for authentication and key management to facilitate offline transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If online verification with the issuing bank is performed for credit loading, then security and authenticity verification are ensured, but recharging efficiency and flexibility are reduced due to real-time communication requirements
Solution Approach 1:
The system performs preliminary actions by pre-establishing trust relationships and caching verification data offline. The terminal device stores authentication credentials and verification data locally, enabling offline credit loading without real-time bank verification. This preliminary preparation allows the system to maintain security while enabling offline recharging operations.
2Reliability
If online communication with the issuing bank is required for credit loading, then authenticity verification is ensured, but flexibility for offline transactions is limited
Solution Approach 1:
The system segments the verification process into online and offline components. The terminal device separates authentication functions by storing verification data locally and performing offline validation when online communication is unavailable. This segmentation allows the system to maintain authenticity verification through local cryptographic validation while enabling offline transaction capability.
3Measurement precision
If real-time synchronization of capital between electronic cash account and credit loading account is performed, then account accuracy is maintained, but system complexity and communication requirements increase
Solution Approach 1:
The system transitions from continuous real-time synchronization to periodic batch synchronization. The terminal device accumulates credit loading transactions locally and synchronizes with the issuing bank at scheduled intervals or when online connectivity is restored. This periodic action maintains account accuracy while reducing system complexity and communication requirements.
Data Source
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AI summary
The invention discloses an offline credit loading method and system. The offline credit loading method comprises the following steps: (A) a terminal performs update of credit loading limit of a terminal by communicating with a backstage system, wherein the credit loading limit of the terminal is a sum of capital that allows for offline credit loading; (B) an electronic card performs update of the account of electronic cash card by communicating with the terminal, wherein some capital of the credit loading limit of the terminal is transferred to the account of electronic cash card; and (C) the backstage system enables the credit loading account associated with the account of electronic cash card to be updated according to information on offline credit loading received from the terminal.