Technical introduction of real-time recharging of IC card and bank card system

Foreword

Since the first bank card appeared in China in 1985, especially since the implementation of the “Gold Card Project” in 1993, the application of various bank cards and non-bank cards has achieved rapid development. Bank cards have been widely used in the fields of wages, collection and deduction of various expenses, shopping malls and hotel consumption in various enterprises and institutions. At the same time, non-bank cards, especially various IC cards, have been widely used in the fields of school parks, industrial parks, residential areas, and small-scale consumption and identification because of their safety, ease of use, and adaptability. In recent years, the application of “bus card” based on IC card technology has been widely recognized in the field of public transportation.

First, the question is raised

In practical applications, most of the bank cards use magnetic stripe as the carrier, and the data is concentrated in the bank host. When using, the terminal must be connected to the bank host in real time, and the issuance management of the bank card is basically completed by the bank; not the bank IC card. The main application is in a specific, relatively closed field, which can be used online or offline after recharging. A very important part of the IC card is the need to recharge. At present, the IC card recharge method mainly includes cash recharge and IC card deposit and transfer recharge. Cash recharge requires special staff to handle cash, special venues are required, and service time and location are limited. While the storage time and location of the deposit machine can be flexible, the use of the deposit machine is limited and its use is limited.

According to the practical application of the author's development and implementation in an enterprise group, this paper introduces a technical solution for self-recharge of IC card. In practical application, the enterprise employee has both IC card and bank card, and IC card for each member T. A one-to-one binding relationship must be established in advance with your own bank card. The IC card and the bank card can be either an independent card or a joint card that is combined into one, that is, a smart card. If you use Smart Card, there are two separate accounts, one is the bank magnetic stripe account and the other is the IC chip e-wallet account. The bank is responsible for the application and maintenance management of the magnetic stripe account, and the enterprise is responsible for the application and maintenance management of the e-wallet account.

Second, the IC card self-recharge technology solution

1. The IC card terminal equipment inside the enterprise needs to form a network.

First, there must be a central database server inside the enterprise (this server preferably has backup devices, using enterprise-level database servers such as SQL Server, Sybase, etc.); secondly, Ic cards that need to provide real-time network recharge functions in various areas of the enterprise. The terminal devices are connected to the intranet of the enterprise through a protocol converter, so that the terminal devices can obtain the latest data from the server in real time.

2. Enterprise IC card management system and banking system networking

The central database server of the enterprise IC card management system must be networked in real time through the front-end machine and the communication line and the bank's computer network system to ensure that the customer system needs to exchange data with the banking system in real time when the customer needs to recharge the IC card e-wallet account.

When networking, the enterprise's front-end machine is the client of the bank front-end machine. The banking system issues the IC card to the enterprise front-end machine for identity authentication and transaction transmission encryption through the bank, so as to avoid illegal connection to the banking system. Note that the encrypted Ic card here is only used for data exchange encryption and identification of the banking system and the enterprise system, and has completely different uses from the IC card electronic wallet system. The network structure of the entire system is shown in Figure 1.

3. Establish the binding relationship between the IC card sub-wallet account and the bank card

In order to use the Ic card self-recharge function provided by the bank, the customer must first self-service and self-service through various service platforms provided by the bank, such as online banking, telephone banking, self-service terminals in the self-service bank, and bank counters, to handle Ic under my name. The binding relationship between the card e-wallet account and the bank card account transfer one-to-one. After the banking system verifies that the identity of the client is legal, the binding application is transmitted to the enterprise system in real time. The enterprise service program also verifies the legality of the binding and then feeds back to the bank, and then registers the result in the enterprise database. The process is shown in Figure 2.

4. Transfer and recharge process

From bank account transfer to IC card e-wallet account, there can be batch automatic transfer and single self-service transfer, which requires the enterprise database system and the banking system must be docked, and exchange information according to the defined data interface. According to the different transfer initiation platforms, it can be divided into two situations: transfer recharge and transfer recharge separately. The following three combinations are described separately.

(1) Single self-service transfer at the same time as transfer recharge

In this way, the IC card card holder self-initiated the transfer recharge request, and the operation is performed on the enterprise Ic card refill terminal. When the cardholder selects the recharge service on the self-service recharge terminal to sense the IC card and input the IC card password, the enterprise server determines that the IC card is a valid white card, prompts the customer to input the bank card recharge password, recharge amount, and then sends the recharge request. To the banking system; the banking system finds the corresponding bank card account according to the IC card e-wallet account. If the bank system determines that the recharge request is valid and legal, and the bank account funds are sufficient, the information is fed back to the 6-industry server. After receiving the information of the bank, the enterprise server immediately feeds back a confirmation message to the bank; at the same time, updates the current cardholder's transfer information in the enterprise database, and then transmits the recharge information to the current recharge terminal, and the current recharge terminal screen prompts the cardholder to perform the transfer. The second sensing IC card, after the cardholder senses, the current recharge terminal authenticates the IC card, and the verification is correct, that is, the bank card funds are transferred to the IC card e-wallet account. The process is shown in Figure 3.

(2) Batch autopay for separate transfer recharge

First, customers using this transfer method must sign a written agreement with the company in advance and keep a copy for bank custody. Secondly, according to the actual situation, the enterprise initiates a transfer request to the banking system by the 6-service service program. The transfer trigger condition may be a periodic transfer such as once a month, or according to the balance of the Ic card e-wallet account, such as an account balance of less than 10 yuan. The bulk transfer process is similar to the first case, but does not require verification of the recharge password; the cardholder is not promptly recharged after the transfer is successful. Only when the cardholder holds the Ic card in the networked IC card terminal device to consume and check the balance, the enterprise service program discriminates and prompts the cardholder to recharge.

(3) Single self-service transfer separately for transfer recharge

This transfer method is initiated by the customer through the bank's service platform, such as online banking, telephone banking, self-service terminals in self-service banking, self-initiated transfer transaction request, and the bank system finds the corresponding IC card e-wallet account according to the customer's bank account number. The transfer process is similar to the first case, and the refill process is similar to the second case.

5. Data interface

The data interface between the banking system and the enterprise system uses a bank-defined Socket packet based on TCP/IP. The definition of each data field is briefly described in the following table.

Third, security control

The system uses the following measures for security control to ensure the security of client funds, banking systems and enterprise systems.

1. The network connection between the banking system and the enterprise system is connected through a dedicated line. At the same time, the IC card issued by the bank and the client program issued by the bank are installed on the front-end machine of the enterprise. The bank verifies the legal identity of the connected enterprise and recharges each account. The transaction uses the IC card for digital signature authentication and transmission encryption, and the encryption key is replaced every day by means of dynamic key download.
2. In order to use the self-service recharge function, the customer must perform a binding operation on the bank account and the IC card e-wallet account in advance, and the binding application must be confirmed by both the bank and enterprise systems. Similarly, each transfer must be confirmed by both systems to be successful.
3. The bank password entered by the customer in the IC card terminal device for self-service transfer recharge operation is a bank card recharge password, which is different from the bank card withdrawal transaction password, so as to prevent the possibility that the bank card transaction withdrawal password is intercepted in the enterprise system.
4. When the customer performs self-recharge on the IC card terminal device, the transfer and recharge prompt the customer to sense the IC card and perform related verification, which eliminates the possibility that the customer will leave the IC card that causes the funds to be filled by others without recharging after the transfer operation.
5. If a transfer transaction request cannot be transmitted to the corporate computer system for confirmation due to a communication problem, the transfer is cancelled if the transfer is not successfully processed. If the bank sends the transfer transaction request to the enterprise system, but the communication is not confirmed by the enterprise system, the banking system will query the transaction to the enterprise system when the communication is restored. If confirmed, the transaction is successful; if the enterprise system returns If the information is unsuccessful, the banking system will process the transaction and cancel the transaction.
6. The entire system requires daily reconciliation processing, that is, the enterprise system application sends the recorded successful transfer transaction to the bank as a file every day, and the bank system reads it and checks it with the successful transfer transaction recorded by itself, and then feeds the result to the enterprise system. . If there is a unilateral account, it will be manually confirmed by both the bank and the enterprise and then processed or repaid.

Fourth, the conclusion

At present, many public utilities in China, such as gas companies, power supply companies, and water companies, are actively promoting prepaid IC card charging projects, that is, combining metering and charging devices to form a new prepaid meter. The charging device in the new two-in-one device is usually a built-in Ic card terminal device. In the process of using, the recharge of the IC card is a very important link. At present, most of them require users to recharge at the bank counter. If it is limited to this traditional practice, users may have the possibility of power outage, water cut, and gas outage "outside eight hours." Even if you can purchase some fixed-valued value-added card for emergency needs, since the stored-value card is generally used once, it will increase the cost of card issuance. It can be seen that using the IC card and the bank card system to connect to the real-time recharging technology can not only facilitate the user, but also improve the service quality and work efficiency of the relevant enterprise departments, and has a very positive significance for promoting the application of the IC card in various fields.

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