CN103295344A

Movatterモバイル変換

Info

Publication number: CN103295344A
Application number: CN2012100436717A
Authority: CN
Inventors: 刘道斌
Original assignee: Potevio Institute of Technology Co Ltd
Current assignee: Potevio Institute of Technology Co Ltd
Priority date: 2012-02-22
Filing date: 2012-02-22
Publication date: 2013-09-11

Abstract

本发明公开了一种存储卡，包括：交易接口，中央处理器和用于控制支付和收款安全的只读存储器，所述只读存储器中存储有支付逻辑、收款逻辑和安全检验逻辑；当所述交易接口接收到支付交易的指示信号后，所述中央处理器按照所述只读存储器中的支付逻辑执行支付操作；当所述交易接口接收到收款交易的指示信号后，所述中央处理器按照所述只读存储器中的安全检验逻辑进行安全检验，当通过安全检验后，再按照收款逻辑执行收款操作。本发明实施例还提供相应的终端及系统。，本发明实施例提供的存储卡，即能用于支付，又能用于收款，携带方便，而且成本低。

The invention discloses a memory card, comprising: a transaction interface, a central processing unit and a read-only memory for controlling payment and collection security, wherein payment logic, collection logic and security inspection logic are stored in the read-only memory; When the transaction interface receives the instruction signal of the payment transaction, the central processor executes the payment operation according to the payment logic in the read-only memory; when the transaction interface receives the instruction signal of the payment transaction, the The central processing unit performs a security check according to the security check logic in the read-only memory, and then executes a payment collection operation according to the payment collection logic after passing the security check. Embodiments of the present invention also provide corresponding terminals and systems. , the memory card provided by the embodiment of the present invention can be used not only for payment but also for collection, and is easy to carry and low in cost.

Description

Translated fromChinese

存储卡、终端及交易系统Memory card, terminal and transaction system

技术领域technical field

本发明涉及通信技术领域，具体涉及一种存储卡、终端及交易系统。The invention relates to the technical field of communication, in particular to a memory card, a terminal and a transaction system.

背景技术Background technique

非现金支付系统相对于现金交易，具有安全、快捷、无须找零、卫生等优势，已被广泛应用于金融、电信、交通等行业。现有的非现金支付方法有很多种，但主要可以分为两类：一类是支付方使用磁卡、集成电路卡(IC Card，(integrated circuit Card)、射频IC卡等便于携带的支付装置，在固定营业场所中的销售终端(POS，Point of Sale)机上进行支付，这类方案中的POS机通过线缆与银行的POS中心连接。第二类方案中支付所使用的装置与第一类方案中的相同，不同的是POS通过脱机工作的方式或通过无线通信信道与POS中心连接，从而使收款方具有一定的移动性。例如用于公共交通的POS系统、无线POS系统以及采用具有POS功能或射频读卡器功能的移动智能终端的收款系统等。Compared with cash transactions, the non-cash payment system has the advantages of safety, speed, no change, and sanitation, and has been widely used in finance, telecommunications, transportation and other industries. There are many kinds of existing non-cash payment methods, but they can be mainly divided into two categories: one is that the payer uses magnetic cards, integrated circuit cards (IC Card, (integrated circuit Card), radio frequency IC cards and other portable payment devices, Payment is made on a sales terminal (POS, Point of Sale) machine in a fixed business location, and the POS machine in this type of scheme is connected to the POS center of the bank through a cable. The device used for payment in the second type of scheme is the same as that of the first type The scheme is the same, but the difference is that the POS works offline or connects to the POS center through a wireless communication channel, so that the payee has a certain degree of mobility. For example, the POS system for public transportation, the wireless POS system, and the use of The collection system of mobile intelligent terminals with POS function or radio frequency card reader function, etc.

在第一类方案中，POS机不具有移动性，只能在固定场所使用，且只能使用专用设备，成本较高，因此这种方案缺乏足够灵活性，只适合于企事业单位部署。In the first type of solution, the POS machine is not mobile and can only be used in a fixed place, and only special equipment can be used, and the cost is high. Therefore, this solution lacks sufficient flexibility and is only suitable for deployment by enterprises and institutions.

第二类方案中，POS机具有一定的移动性，但仍须使用专用的设备，如无线POS机等，同样具有成本较高缺点。而在移动智能终端上集成POS功能或射频功能的方案，要求移动智能终端具有与IC卡相应的读卡单元，并且需要将销售点终端安全控制模块(PSAM，Purchase Secure Access Module)集成到移动智能终端中，造成手机成本上升，而且使得用户更换手机时可选择型号受到较大的限制，造成用户不便。因此，这种方式实际上很难得到广泛的应用。In the second type of solution, the POS machine has a certain degree of mobility, but it still needs to use special equipment, such as wireless POS machines, etc., which also has the disadvantage of high cost. The scheme of integrating POS function or radio frequency function on the mobile smart terminal requires the mobile smart terminal to have a card reading unit corresponding to the IC card, and needs to integrate the point-of-sale terminal security control module (PSAM, Purchase Secure Access Module) into the mobile smart terminal. In the terminal, the cost of the mobile phone increases, and the model that the user can choose when changing the mobile phone is greatly restricted, causing inconvenience to the user. Therefore, this method is actually difficult to be widely used.

在对现有技术的研究和实践过程中，本发明的发明人发现，非现金交易中支付与收款功能所用的装置是分离的，而且收款装置要用专用设备，不仅使用不方便，而且成本高。During the research and practice of the prior art, the inventors of the present invention have found that the devices used for the payment and collection functions in non-cash transactions are separated, and the collection device needs special equipment, which is not only inconvenient to use, but also high cost.

发明内容Contents of the invention

本发明实施例提供一种存储卡，实现了同一存储卡即能支付又能收款。本发明实施例还提供了相应的终端及交易系统。An embodiment of the present invention provides a memory card, which realizes both payment and collection with the same memory card. The embodiment of the present invention also provides a corresponding terminal and a transaction system.

一种存储卡，包括：交易接口，中央处理器和用于控制支付和收款安全的只读存储器，所述只读存储器中存储有支付逻辑、收款逻辑和安全检验逻辑；A memory card, comprising: a transaction interface, a central processing unit and a read-only memory for controlling the security of payment and collection, and the read-only memory stores payment logic, collection logic and security verification logic;

当所述交易接口接收到支付交易的指示信号后，所述中央处理器按照所述只读存储器中的支付逻辑执行支付操作；After the transaction interface receives the instruction signal of the payment transaction, the central processor executes the payment operation according to the payment logic in the read-only memory;

当所述交易接口接收到收款交易的指示信号后，所述中央处理器按照所述只读存储器中的安全检验逻辑进行安全检验，当通过安全检验后，再按照收款逻辑执行收款操作。After the transaction interface receives the indication signal of the payment collection transaction, the central processing unit performs a safety inspection according to the safety inspection logic in the read-only memory, and after passing the safety inspection, executes the collection operation according to the collection logic .

一种终端，包括：读卡单元、网络通信单元、输入单元、写卡单元、和显示单元；A terminal, comprising: a card reading unit, a network communication unit, an input unit, a card writing unit, and a display unit;

所述读卡单元，用于识别用于支付及收款的存储卡；The card reading unit is used to identify the memory card used for payment and collection;

所述网络通信单元，用于在所述读卡单元读出用于支持及收款的存储卡后与交易服务器建立连接；The network communication unit is used to establish a connection with the transaction server after the card reading unit reads out the memory card used for support and collection;

所述输入单元，用于在所述网络通信单元与交易服务器建立通信连接后，接收用户按照支付或收款流程输入的指令信息；The input unit is configured to receive instruction information input by the user according to the payment or collection process after the network communication unit establishes a communication connection with the transaction server;

所述写卡单元，用于在所述输入单元接收到所述指令信息后，将所述指令信息输入给存储卡，以使所述存储卡处理所述指令信息，提供用户需要的数据；The card writing unit is configured to input the instruction information to the memory card after the input unit receives the instruction information, so that the memory card processes the instruction information and provides the data required by the user;

所述显示单元，用于在所述写卡单元230将所述指令信息输入存储卡后，显示支付或收款的操作信息。The display unit is configured to display payment or collection operation information after thecard writing unit 230 inputs the instruction information into the memory card.

一种交易系统，包括：用于支付及收款的存储卡，终端和交易服务器，所述终端识别出所述存储卡后，与所述交易服务器建立通信连接；A transaction system, comprising: a memory card for payment and collection, a terminal and a transaction server, the terminal establishes a communication connection with the transaction server after identifying the memory card;

在进行支付交易时，所述终端按照用户输入的操作指示执行支付交易操作，所述交易服务器按照所述终端显示的交易金额，从所述存储卡中扣除所述交易金额并存入所述终端指示的收款方；When performing a payment transaction, the terminal executes the payment transaction operation according to the operation instruction input by the user, and the transaction server deducts the transaction amount from the memory card according to the transaction amount displayed by the terminal and stores it in the terminal the payee of the instruction;

在进行收款操作时，所述存储卡进行安全检验，当通过安全检验后，所述终端按照用户输入的操作指示执行收款交易操作，所述交易服务器按照所述终端显示的交易金额，将所述交易金额并存入所述存储卡中。When performing a payment collection operation, the memory card performs a security check. After passing the security check, the terminal executes a payment collection transaction operation according to the operation instruction input by the user, and the transaction server sends the transaction amount according to the transaction amount displayed by the terminal. The transaction amount is deposited into the memory card.

本发明实施例提供一种用于支付及收款的存储卡，包括：交易接口，中央处理器和用于控制支付和收款安全的只读存储器，所述只读存储器中存储有支付逻辑、收款逻辑和安全检验逻辑；当所述交易接口接收到支付交易的指示信号后，所述中央处理器按照所述只读存储器中的安全检验逻辑进行安全检验，当通过安全检验后，再按照支付逻辑执行支付操作；当所述交易接口接收到收款交易的指示信号后，所述中央处理器按照所述只读存储器中的安全检验逻辑进行安全检验，当通过安全检验后，再按照收款逻辑执行收款操作。与现有技术中的存储卡相比，本发明实施例提供的存储卡，即能用于支付，又能用于收款，携带方便，而且成本低。An embodiment of the present invention provides a memory card for payment and collection, including: a transaction interface, a central processing unit, and a read-only memory for controlling payment and collection security, and the read-only memory stores payment logic, Collection logic and safety inspection logic; when the transaction interface receives the instruction signal of the payment transaction, the central processing unit performs safety inspection according to the safety inspection logic in the read-only memory. The payment logic executes the payment operation; when the transaction interface receives the indication signal of the payment transaction, the central processor performs a security check according to the security check logic in the read-only memory; The payment logic executes the collection operation. Compared with the memory card in the prior art, the memory card provided by the embodiment of the present invention can be used not only for payment but also for collection, and is easy to carry and low in cost.

附图说明Description of drawings

图1是本发明实施例提供的存储卡的一实施例示意图；FIG. 1 is a schematic diagram of an embodiment of a memory card provided by an embodiment of the present invention;

图2是本发明实施例提供的存储卡的另一实施例示意图；FIG. 2 is a schematic diagram of another embodiment of a memory card provided by an embodiment of the present invention;

图3是本发明实施例提供的存储卡的另一实施例示意图；FIG. 3 is a schematic diagram of another embodiment of a memory card provided by an embodiment of the present invention;

图4是本发明应用场景实施例示意图；Fig. 4 is a schematic diagram of an embodiment of an application scenario of the present invention;

图5是本发明应用场景实施例示意图；Fig. 5 is a schematic diagram of an embodiment of an application scenario of the present invention;

图6是本发明实施例提供的终端的一实施例示意图；FIG. 6 is a schematic diagram of an embodiment of a terminal provided by an embodiment of the present invention;

图7是本发明实施例提供的交易系统的一实施例示意图；Fig. 7 is a schematic diagram of an embodiment of the transaction system provided by the embodiment of the present invention;

图8是本发明实施例提供的交易系统的另一实施例示意图。Fig. 8 is a schematic diagram of another embodiment of the transaction system provided by the embodiment of the present invention.

具体实施方式Detailed ways

本发明实施例提供一种存储卡，实现了同一存储卡即能支付又能收款。本发明实施例还提供相应的终端及交易系统。以下分别进行详细说明。An embodiment of the present invention provides a memory card, which realizes both payment and collection with the same memory card. The embodiment of the present invention also provides a corresponding terminal and transaction system. Each will be described in detail below.

参阅图1，本发明实施例提供的存储卡的一实施例包括：交易接口100，中央处理器110和用于控制支付和收款安全的只读存储器120，只读存储器120中存储有支付逻辑、收款逻辑和安全检验逻辑；当所述交易接口100接收到支付交易的指示信号后，中央处理器110按照支付逻辑执行支付操作；当交易接口100接收到收款交易的指示信号后，中央处理器110按照只读存储器120中的安全检验逻辑进行安全检验，当通过安全检验后，再按照收款逻辑执行收款操作。Referring to Fig. 1, an embodiment of the memory card provided by the embodiment of the present invention includes: atransaction interface 100, acentral processing unit 110 and a read-only memory 120 for controlling payment and collection security, and payment logic is stored in the read-only memory 120 , collection logic and safety inspection logic; when thetransaction interface 100 receives the instruction signal of the payment transaction, thecentral processor 110 executes the payment operation according to the payment logic; when thetransaction interface 100 receives the instruction signal of the payment transaction, the central Theprocessor 110 performs a security check according to the security check logic in the read-only memory 120, and after passing the security check, executes a payment collection operation according to the payment collection logic.

本发明实施例中的交易接口100可以是接触式接口或非接触式接口，如安全数字(SD，Secure Digital)接口、射频(RF，Radio Frequency)接口。Thetransaction interface 100 in the embodiment of the present invention may be a contact interface or a non-contact interface, such as a secure digital (SD, Secure Digital) interface, a radio frequency (RF, Radio Frequency) interface.

提供一种用于支付及收款的存储卡，包括：交易接口，中央处理器和用于控制支付和收款安全的只读存储器，所述只读存储器中存储有支付逻辑、收款逻辑和安全检验逻辑；当所述交易接口接收到支付交易的指示信号后，所述中央处理器按照支付逻辑执行支付操作；当所述交易接口接收到收款交易的指示信号后，所述中央处理器按照所述只读存储器中的安全检验逻辑进行安全检验，当通过安全检验后，再按照收款逻辑执行收款操作。与现有技术中的存储卡相比，本发明实施例提供的存储卡，即能用于支付，又能用于收款，携带方便，而且成本低。A memory card for payment and collection is provided, including: a transaction interface, a central processing unit and a read-only memory for controlling the security of payment and collection, and the read-only memory stores payment logic, collection logic and Security verification logic; when the transaction interface receives the instruction signal of the payment transaction, the central processor executes the payment operation according to the payment logic; when the transaction interface receives the instruction signal of the payment transaction, the central processor The security check is performed according to the security check logic in the read-only memory, and after the security check is passed, the payment collection operation is performed according to the payment collection logic. Compared with the memory card in the prior art, the memory card provided by the embodiment of the present invention can be used not only for payment but also for collection, and is easy to carry and low in cost.

参阅图2，本发明实施例提供的存储卡的另一实施例包括：交易接口100，中央处理器110，用于控制支付和收款安全的只读存储器120，静态随机存储器130和电可擦写只读存储器140，只读存储器120中存储有支付逻辑、收款逻辑和安全检验逻辑；当所述交易接口100接收到支付交易的指示信号后，中央处理器110按照按照支付逻辑执行支付操作；当交易接口100接收到收款交易的指示信号后，中央处理器110按照只读存储器120中的安全检验逻辑进行安全检验，当通过安全检验后，再按照收款逻辑执行收款操作；所述静态随机存储器130，用于缓存中央处理器处理过的数据；所述电可擦写只读存储器140，用于存储从交易接口下发的数据。Referring to Fig. 2, another embodiment of the memory card that the embodiment of the present invention provides comprises:transaction interface 100,central processing unit 110, is used to control the read-only memory 120 of payment and collection security,SRAM 130 and electric erasable Write the read-only memory 140, and the read-only memory 120 stores payment logic, collection logic and safety verification logic; when thetransaction interface 100 receives the instruction signal of the payment transaction, thecentral processing unit 110 executes the payment operation according to the payment logic ; After thetransaction interface 100 receives the indication signal of the collection transaction, thecentral processing unit 110 performs a safety inspection according to the safety inspection logic in the read-only memory 120, and after passing the safety inspection, then executes the collection operation according to the collection logic; TheSRAM 130 is used for caching the data processed by the CPU; theEEPROM 140 is used for storing the data sent from the transaction interface.

参阅图3，本发明实施例中，用于控制支付和收款安全的只读存储器120包括：PSAM模块1201，POS机安全模块1202和电子存折/钱包模块1203；Referring to Fig. 3, in the embodiment of the present invention, theROM 120 for controlling the security of payment and collection includes:PSAM module 1201, POSmachine security module 1202 and electronic passbook/wallet module 1203;

PSAM模块1201，用于向中央处理器提供收款逻辑；POS机安全模块1202，用于向中央处理器提供安全检验逻辑；电子存折/钱包模块1203，用于向中央处理器提供支付逻辑。PSAM module 1201 is used to provide collection logic to the central processor;POS security module 1202 is used to provide security verification logic to the central processor; electronic passbook/wallet module 1203 is used to provide payment logic to the central processor.

本发明实施例提供的存储卡，进一步说明了与现有技术中的存储卡相比，本发明实施例提供的存储卡，即能用于支付，又能用于收款，携带方便，而且成本低。The memory card provided by the embodiment of the present invention further illustrates that compared with the memory card in the prior art, the memory card provided by the embodiment of the present invention can be used for both payment and collection, is easy to carry, and has low cost. Low.

为便于理解，下面以一个具体应用场景为例，详细说明本发明实施例提供的存储卡，用于支付和收款双重功能的应用：For ease of understanding, the following uses a specific application scenario as an example to describe in detail the application of the memory card provided by the embodiment of the present invention for the dual functions of payment and collection:

参阅图4，本应用场景从一个图中给出了支付及收款的两个操作过程，从付款方来看，存储卡只需要使用电子存折/钱包模块1203，PSAM模块和POS机安全模块都不需要使用，付款方的终端与银行后端服务器建立通信连接。Referring to Figure 4, this application scenario shows two operation processes of payment and collection from one figure. From the perspective of the payer, the memory card only needs to use the electronic passbook/wallet module 1203, and the PSAM module and the POS machine security module are both No need to use, the payer's terminal establishes a communication connection with the bank's back-end server.

从收款方来看，存储卡与终端连接后，就相当于一个POS机，执行收款功能时，存储卡需要使用PSAM模块1201和POS机安全模块1202，电子存折/钱包模块就不需要使用，收款方的终端与银行后端服务器建立通信连接。From the perspective of the payee, after the memory card is connected to the terminal, it is equivalent to a POS machine. When performing the payment collection function, the memory card needs to use thePSAM module 1201 and the POSmachine security module 1202, and the electronic passbook/wallet module does not need to be used. , the payee's terminal establishes a communication connection with the bank's back-end server.

参阅图5，详细说明消费交易的流程：Refer to Figure 5 for a detailed description of the consumption transaction process:

A1、安装有具有支付及收款功能的存储卡的两终端，通过双向证书认证建立安全通道。A1. Two terminals installed with memory cards with payment and collection functions establish a secure channel through two-way certificate authentication.

支付请求由付款方发起，首先收款方和付款方进行双向证书认证并建立安全数据通道，双向证书认证用以确认收款方具有收款权限以及付款方是银行发放的合法设备。The payment request is initiated by the payer. First, the payee and the payer conduct two-way certificate authentication and establish a secure data channel. The two-way certificate authentication is used to confirm that the payee has the authority to collect money and that the payer is a legal device issued by the bank.

A2、付款方的智能终端切换为付款应用模式。A2. The smart terminal of the payer switches to the payment application mode.

A3、收款方的智能终端切换为收款应用模式。A3. The payee's smart terminal switches to the payment collection application mode.

A4、付款方和收款方执行符合银行操作规范的消费交易流程。A4. The payer and the payee implement the consumer transaction process that complies with the bank's operating specifications.

付款方发起交易请求，请求报文中包含本次交易的金额等信息，收款方在手动确认交易后，付款方终端切换至支付应用模式，收款方切换至POS终端工作模式，按照银行操作规范执行消费交易流程。The payer initiates a transaction request, and the request message contains information such as the amount of the transaction. After the payee manually confirms the transaction, the payer’s terminal switches to the payment application mode, and the payee switches to the POS terminal working mode, as the bank operates Standardize and execute the consumption transaction process.

A5、付款方退出支付应用模式。A5. The payer exits the payment application mode.

A6、收款方退出收款应用模式。A6. The payee exits the payment collection application mode.

消费交易流程遵照金融交易相关规范，交易成功后付款方退出支付应用模式，收款方则产生交易记录并用自己的私钥签名后保存在智能存储卡的私密区后退出POS终端模式。The consumption transaction process follows the relevant regulations of financial transactions. After the transaction is successful, the payer exits the payment application mode, and the payee generates a transaction record and signs it with its own private key, saves it in the private area of the smart memory card, and then exits the POS terminal mode.

A7、收款方上传交易记录至手机银行中心。A7. The payee uploads the transaction records to the mobile banking center.

收款方适时启动智能终端上的软件，连接银行后端服务器，将交易记录上传到银行后端服务器，银行后端服务器利用付款方卡的公钥验证交易记录的有效性及完整性，验证通过后对收款方账户进行处理。The payee timely starts the software on the smart terminal, connects to the bank’s back-end server, and uploads the transaction record to the bank’s back-end server. The bank’s back-end server uses the public key of the payer’s card to verify the validity and integrity of the transaction record, and the verification passes. Then process the payee's account.

本应用场景中，清楚的描述了使用用于支付及收款的存储卡的支付及收款过程。In this application scenario, the payment and collection process using the memory card used for payment and collection is clearly described.

参阅图6，本发明实施例提供的终端的一实施例包括：读卡单元200、网络通信单元210、输入单元220、写卡单元230和显示单元240。Referring to FIG. 6 , an embodiment of a terminal provided by an embodiment of the present invention includes: acard reading unit 200 , anetwork communication unit 210 , aninput unit 220 , acard writing unit 230 and adisplay unit 240 .

所述读卡单元200，用于识别用于支付及收款的存储卡；Thecard reading unit 200 is used to identify the memory card used for payment and collection;

所述网络通信单元210，用于在所述读卡单元200读出用于支持及收款的存储卡后与交易服务器建立通信连接；Thenetwork communication unit 210 is used to establish a communication connection with the transaction server after thecard reading unit 200 reads out the memory card used for support and collection;

所述输入单元220，用于在所述网络通信单元210与交易服务器建立通信连接后，接收用户按照支付或收款流程输入的指令信息；Theinput unit 220 is configured to receive instruction information input by the user according to the payment or collection process after thenetwork communication unit 210 establishes a communication connection with the transaction server;

所述写卡单元230，用于在所述输入单元220接收到所述指令信息后，将所述指令信息输入给存储卡，以使所述存储卡处理所述指令信息，提供用户需要的数据；Thecard writing unit 230 is configured to input the instruction information to the memory card after theinput unit 220 receives the instruction information, so that the memory card processes the instruction information and provides the data required by the user ;

所述显示单元240，用于在所述写卡单元230将所述指令信息输入存储卡后，显示支付或收款的操作信息。Thedisplay unit 240 is configured to display payment or collection operation information after thecard writing unit 230 inputs the instruction information into the memory card.

本发明实施例中提供的终端，包括读卡单元200识别用于支付及收款的存储卡，网络通信单元210在所述读卡单元200读出用于支持及收款的存储卡后与交易服务器建立通信连接；输入单元220在所述网络通信单元210与交易服务器建立连接后，接收用户按照支付或收款流程输入的指令信息；写卡单元230在所述输入单元220接收到所述指令信息后，将所述指令信息输入给存储卡，以使所述存储卡处理所述指令信息，提供用户需要的数据；显示单元240在所述写卡单元230将所述指令信息输入存储卡后，显示支付或收款的操作信息。本发明实施例提供的终端，可以读出存储卡并使存储卡实现支付及收款功能。The terminal provided in the embodiment of the present invention includes acard reading unit 200 to identify the memory card used for payment and collection, and thenetwork communication unit 210 communicates with the transaction after thecard reading unit 200 reads out the memory card used for support and collection. The server establishes a communication connection; after thenetwork communication unit 210 establishes a connection with the transaction server, theinput unit 220 receives the instruction information input by the user according to the payment or collection process; thecard writing unit 230 receives the instruction at theinput unit 220 After receiving the information, the instruction information is input to the memory card, so that the memory card processes the instruction information and provides the data required by the user; after thecard writing unit 230 inputs the instruction information into the memory card, thedisplay unit 240 , to display the operation information of payment or receipt. The terminal provided by the embodiment of the present invention can read out the memory card and make the memory card realize payment and collection functions.

在上述图6对应的实施例的基础上，所述终端的另一实施例还包括：On the basis of the above embodiment corresponding to FIG. 6, another embodiment of the terminal further includes:

所述输入单元220，还用于接收用户输入的账户查询的指令信息；Theinput unit 220 is also used to receive instruction information for account inquiry input by the user;

所述写卡单元230，还用于在所述输入单元220接收到所述账户查询的指令信息后，将所述账户查询的指令信息输入给存储卡；Thecard writing unit 230 is further configured to input the account query instruction information to the memory card after theinput unit 220 receives the account query instruction information;

所述显示单元240，还用于显示所述账户余额。Thedisplay unit 240 is also used to display the account balance.

参阅图7，本发明实施例提供的交易系统的一实施例包括：用于支付及收款的存储卡10，终端20和交易服务器30，终端20识别出所述存储卡10后，与所述交易服务器30建立通信连接；7, an embodiment of the transaction system provided by the embodiment of the present invention includes: amemory card 10 for payment and collection, a terminal 20 and atransaction server 30. After the terminal 20 recognizes thememory card 10, it communicates with theThe transaction server 30 establishes a communication connection;

在进行支付交易时，所述存储卡10进行安全检验，当通过安全检验后，所述终端20按照用户输入的操作指示执行支付交易操作，所述交易服务器30按照所述终端显示的交易金额，从所述存储卡中扣除所述交易金额并存入所述终端指示的收款方；When performing a payment transaction, thememory card 10 performs a security check. After passing the security check, the terminal 20 executes the payment transaction operation according to the operation instruction input by the user, and thetransaction server 30 follows the transaction amount displayed by the terminal, deducting the transaction amount from the memory card and depositing it into the payee indicated by the terminal;

在进行收款操作时，所述存储卡10进行安全检验，当通过安全检验后，所述终端20按照用户输入的操作指示执行收款交易操作，所述交易服务器30按照所述终端显示的交易金额，将所述交易金额并存入所述存储卡中。When performing a payment collection operation, thememory card 10 performs a security check. After passing the security check, the terminal 20 executes a payment collection transaction operation according to the operation instruction input by the user, and thetransaction server 30 executes the payment collection transaction operation according to the transaction displayed on the terminal. amount, depositing the transaction amount into the memory card.

本发明实施例中，用于支付及收款的存储卡10，终端20和交易服务器30，终端20识别出所述存储卡10后，与所述交易服务器30建立通信连接；存储卡10即能用于支付，又能用于收款，实现了一卡多用，而且方便携带和使用。In the embodiment of the present invention, thememory card 10 used for payment and collection, the terminal 20 and thetransaction server 30, after the terminal 20 recognizes thememory card 10, establishes a communication connection with thetransaction server 30; thememory card 10 can It can be used for both payment and collection, realizing one card with multiple functions, and it is convenient to carry and use.

参阅图8，在图7对应的实施例的基础上，本发明实施例提供的交易系统的另一实施例还包括：发卡子服务器40和圈存交易子服务器50和圈提交易子服务器60；Referring to FIG. 8 , on the basis of the embodiment corresponding to FIG. 7 , another embodiment of the transaction system provided by the embodiment of the present invention further includes: a card-issuingsub-server 40 , atransfer sub-server 50 and atransfer sub-server 60 ;

所述发卡子服务器40，用于向所述存储卡10中写入支付逻辑，安全检验逻辑和收款逻辑；The card-issuingsub-server 40 is used to write payment logic, safety verification logic and payment collection logic into thememory card 10;

所述圈存交易子服务器50，用于向所述存储卡10中存入用于交易的金额；Theloading transaction sub-server 50 is used to deposit the amount for the transaction into thememory card 10;

所述圈提交易子服务器60，用于从所述存储卡10中圈提出所述用于交易的金额。Thewithdrawal transaction sub-server 60 is configured to withdraw the transaction amount from thememory card 10 .

本发明实施例提供的圈存交易子服务器50和圈提交易子服务器60可以是同一个服务器，只是在同一个服务器上实现圈存和圈提两种功能。Theloading transaction sub-server 50 and theloading transaction sub-server 60 provided by the embodiment of the present invention may be the same server, but the two functions of loading and loading are realized on the same server.

本发明实施例提供的交易系统，所述发卡子服务器40在发卡时向所述存储卡10中写入支付逻辑，安全检验逻辑和收款逻辑；所述圈存交易子服务器50向所述存储卡10中存入用于交易的金额，使所述存储卡相当于电子钱包、电子存折，所述圈提交易子服务器60从所述存储卡10中圈提出所述用于交易的金额。In the transaction system provided by the embodiment of the present invention, thecard issuing sub-server 40 writes payment logic, safety verification logic and payment collection logic into thememory card 10 when issuing a card; The amount of money used for the transaction is deposited in thecard 10, so that the memory card is equivalent to an electronic wallet or an electronic passbook, and thetransaction sub-server 60 withdraws the amount used for the transaction from thememory card 10 .

本领域普通技术人员可以理解上述实施例的各种方法中的全部或部分步骤是可以通过程序来指令相关的硬件来完成，该程序可以存储于一计算机可读存储介质中，存储介质可以包括：ROM、RAM、磁盘或光盘等。Those of ordinary skill in the art can understand that all or part of the steps in the various methods of the above-mentioned embodiments can be completed by instructing related hardware through a program, and the program can be stored in a computer-readable storage medium, and the storage medium can include: ROM, RAM, disk or CD, etc.

以上对本发明实施例所提供的存储卡、终端以及交易系统进行了详细介绍，本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想；同时，对于本领域的一般技术人员，依据本发明的思想，在具体实施方式及应用范围上均会有改变之处，综上所述，本说明书内容不应理解为对本发明的限制。The memory card, terminal and transaction system provided by the embodiments of the present invention have been introduced in detail above. In this paper, specific examples are used to illustrate the principle and implementation of the present invention. The description of the above embodiments is only used to help understand the present invention. method and its core idea; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation and scope of application. In summary, the content of this specification should not be understood as Limitations on the Invention.