Electronic cash-based offline transaction method and system

Patent metadata

Field	Value
Publication number	US-12182806-B2
Application number	US-202217577070-A
Country	US
Kind code	B2
Filing date	Jan 17, 2022
Priority date	Jul 17, 2019
Publication date	Dec 31, 2024
Grant date	Dec 31, 2024

Abstract

Provided is an electronic cash-based offline transaction method and system. The method includes: receiving, by a back-end server from a smart card, an anti-replay factor generated by the smart card; determining, by the back-end server in accordance with a predetermined algorithm, whether an abnormal transaction occurs on the smart card, generating, by the back-end server when no abnormal transaction occurs, a security information signature by signing security information with a private key of the back-end server, and transmitting, by the back-end server, the security information and the security information signature to the smart card (S2).

First claim

What is claimed is:

1. An electronic cash-based offline transaction method, comprising:
receiving, by a back-end server from a smart card, an anti-replay factor generated by the smart card;
determining, by the back-end server in accordance with a predetermined algorithm, whether an abnormal transaction occurs on the smart card, generating, by the back-end server when no abnormal transaction occurs, a security information signature by signing security information with a private key of the back-end server, and transmitting, by the back-end server, the security information and the security information signature to the smart card, wherein the security information at least comprises an anti-replay factor and active field information, and the active field information at least comprises a term of validity of the smart card and a tradable currency of the smart card;
receiving, by the smart card, the security information and the security information signature from the back-end server, performing a signature verification, by the smart card, on the security information signature by using a public key of the back-end server, determining, by the smart card after the signature verification succeeds, whether the anti-replay factor in the security information is consistent with the anti-replay factor generated by the smart card, and storing, by the smart card, the active field information, when the anti-replay factor in the security information is consistent with the anti-replay factor generated by the smart card;
establishing, by a transaction terminal, a connection with the smart card, and transmitting, by the transaction terminal, application selection information of an electronic cash transaction to the smart card, when no connection is established between the transaction terminal and the back-end server;
receiving, by the smart card, the application selection information of the electronic cash transaction, determining, by the smart card, that an application for the electronic cash transaction is activated, and transmitting, by the smart card, the active field information to the transaction terminal, when no connection is established between the smart card and the back-end server;
generating, by the transaction terminal, transaction information, and determining, by the transaction terminal, whether the active field information is in a valid state, wherein the transaction information at least comprises the transaction amount, transaction time and a currency type identifier, wherein the determining whether the active field information is in the valid state comprises: determining that the active field information is in the valid state in response to the transaction time in the transaction information being within the term of validity of the smart card in the active field information and transaction currency corresponding to the currency type identifier in the transaction information being the tradable currency of the smart card in the active field information;
terminating a transaction process, when the active field information is invalid;
transmitting the transaction information to the smart card, when the active field information is valid;
deducting, by the smart card after receiving the transaction information, the transaction amount in the transaction information from a balance in the smart card, obtaining, by the smart card, a transaction receipt by calculating the transaction information, and transmitting, by the smart card, the transaction receipt to the transaction terminal; and
establishing, by the smart card, the connection with the back-end server, generating, by the smart card, the anti-replay factor, and transmitting, by the smart card, the anti-replay factor to the back-end server.

2. The method according to claim 1 , further comprising:
generating, by the smart card after establishing the connection with the back-end server, transaction settlement information based on electronic cash stored in the smart card and all transaction receipts generated when no connection is established between the smart card and the back-end server, and transmitting, by the smart card, the transaction settlement information to the back-end server, wherein each transaction settlement information at least comprises at least one transaction receipt; and
receiving, by the back-end server, the transaction settlement information from the smart card, and performing electronic cash settlement, by the back-end server, based on the transaction settlement information.

3. The method according to claim 2 , further comprising, subsequent to said receiving, by the back-end server, the transaction settlement information from the smart card, and performing the electronic cash settlement, by the back-end server, based on the transaction settlement information:
issuing, by the back-end server, new electronic cash to the smart card; and
receiving and storing, by the smart card, the new electronic cash, and adding, by the smart card, a denomination of the new electronic cash to the balance in the smart card.

4. The method according to claim 3 , wherein said determining, by the back-end server in accordance with the predetermined algorithm, whether the abnormal transaction occurs on the smart card comprises:
receiving, by the back-end server, the transaction settlement information transmitted by the smart card, determining, by the back-end server, whether a total transaction amount of all transaction information generated when no connection is established between the smart card and the back-end server is greater than a denomination of the electronic cash stored in the smart card, and determining, by the back-end server, that the abnormal transaction occurs on the smart card, when the total transaction amount of all transaction information generated when no connection is established between the smart card and the back-end server is greater than the denomination of the electronic cash stored in the smart card.

5. An electronic cash-based offline transaction system, comprising:
a back-end server;
a smart card; and
a transaction terminal,
wherein the back-end server is configured to receive from a smart card an anti-replay factor generated by the smart card, determine whether an abnormal transaction occurs on the smart card in accordance with a predetermined algorithm, generate a security information signature by signing security information with a private key of the back-end server, when no abnormal transaction occurs, and transmit the security information and the security information signature to the smart card, wherein the security information at least comprises an anti-replay factor and active field information, and the active field information at least comprises a term of validity of the smart card and a tradable currency of the smart card;
the smart card is configured to receive the security information and the security information signature from the back-end server, perform a signature verification on the security information signature by using a public key of the back-end server, determine, after the signature verification succeeds, whether the anti-replay factor in the security information is consistent with the anti-replay factor generated by the smart card, and store the active field information, when the anti-replay factor in the security information is consistent with the anti-replay factor generated by the smart card;
the transaction terminal is configured to establish a connection with the smart card, and transmit application selection information of an electronic cash transaction to the smart card, when no connection is established between the transaction terminal and the back-end server;
the smart card is further configured to receive the application selection information of the electronic cash transaction, determine that an application f

Assignees

• Tendyron Corp

Inventors

• Li Dongsheng

Classifications

• G06Q20/407

  Cancellation of a transaction · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• G06Q20/0655

  e-cash managed centrally · CPC title

• G07F7/125

  Offline card verification · CPC title