Patent ID: 11868985
Assignee: FEITIAN TECHNOLOGIES CO., LTD.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method of an online transaction using a visual financial chip card which can store information and display information of a cardholder and a client which is an application installed in a terminal device of the cardholder without requiring a transaction terminal, so as to improve security and convenience of the online transaction, wherein said method comprises the following steps of:
issuing the visual financial chip card to the cardholder;
S1) receiving, by the visual financial chip card which displays information with an electronic paper, transaction transferring data sent from the client, and obtaining transaction data from the transaction transferring data;
S2) receiving, by the visual financial chip card, an online PIN entered by the cardholder with a key in the visual financial chip card, encrypting the online PIN to obtain online PIN ciphertext;
S3) performing, by the visual financial chip card, behavior analyzing analysis to obtain a card behavior analyzing result, setting a first transaction result data according to the card behavior analyzing result, organizing a message according to the first transaction result data, the card behavior analyzing result, the transaction data and the online PIN ciphertext, and sending the message to the client;
S4) receiving, by the visual financial chip card, an online response package sent from the client, executing a first operation according to the online response package, so as to obtain a first operation result, setting a second transaction result data according to the first operation result, and displaying a prompting information according to the second transaction result data; and
S5) organizing, by the visual financial chip card, a data package according to the second transaction result data and the first operation result, and sending the data package to the client;
wherein the card behavior result comprises application ciphertext;
setting the first transaction result data according to the card behavior analyzing result specifically comprises: checking, by the visual financial chip card, the application ciphertext in the card behavior analyzing result, setting the first transaction result data as an online requirement in the case that the application ciphertext is authorization request ciphertext; and setting the first transaction result data as refusing transaction in the case that the application ciphertext is application authentication ciphertext;
wherein the first operation result comprises application ciphertext;
setting the second transaction result data according to the first operation result specifically comprises: checking, by the visual financial chip card, the application ciphertext in the first operation result, setting the second transaction result data as transaction approval in the case that the application ciphertext is transaction certificate, while setting the second transaction result data as refusing transaction in the case that the application ciphertext is application authentication ciphertext;
wherein after Step S4, the method further comprises the following steps:
3-1) checking, by the visual financial chip card, whether card issuer script is included in the online response package, if yes, executing step 3-2; otherwise, executing Step S5;
3-2) executing, by the visual financial chip card, the card issuer script, if executing is successful, executing step 3-3; while if executing is error, displaying error information and executing step 3-3; and
3-3) organizing, by the visual financial chip card, the data package according to the second transaction result data, executing card issuer script result and the first operation result, sending the data package obtained by organizing to the client, then ending a process; and
the method further comprises the following steps:
T1) receiving, by the client, the message sent by the visual financial chip card, determining whether the first transaction result data in the message is online request, if yes, executing Step T2, otherwise, displaying information of failed transaction, ending;
T2) organizing, by the client, online message according to the message and sending the online message to a server, receiving a response returned by the server, if the response returned by the server is online response package, sending the online response package to the visual financial chip card, executing Step T3;
otherwise, displaying an error information, then ending; and
T3) receiving, by the client, the data package sent by the visual financial chip card, determining whether transaction is approved according to the second transaction result data in the data package, if yes, displaying information of successful transaction; otherwise, displaying information of refusing transaction, then ending.