广州地铁金融IC卡基于ODA技术的应用探讨
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摘要
金融IC卡在广州地铁自动售检票系统的应用,利用联机交易中卡片脱机认证过程与后台联机分异步完成的原理,创新性地提出脱机数据认证(offline data authentication,ODA)交易方案。在既有清分系统上建立金融IC卡交易管理平台,实现数据处理;金融IC卡等金融产品通过地铁专用网络把交易记录传送至清分中心,再由清分中心传送至金融IC卡交易管理平台,以处理相应的金融IC卡等金融产品的交易数据,最后根据相关接口和通信协议通过银联专用网络组织报文实现金融IC卡等相关金融产品的扣款交易。目前,广州地铁已在全线网开通受理金融IC卡,无论是本地市民还是外地游客,只要持具有银联"闪付"标识的信用卡即可刷卡过闸,进一步提升支付和出行的便捷性。
The application of financial IC cards in the Guangzhou Metro fare collection system is based on the principle of off-line card authentication in online transactions with a background of asynchronous connection. An innovative offline data authentication(ODA) transaction scheme is proposed. In the existing scavenging system for establishing a financial IC card transaction management platform for data processing, the transaction records of financial IC cards and other financial products in the dedicated subway network are sent to a clearing center and then to a financial IC card transaction management platform.Corresponding financial IC card and other financial product transaction data are finally sent to the relevant interface via a communication protocol through the UnionPay private network to organize messages and achieve financial IC card and other related financial product debit transactions. At the present, Guangzhou Metro has opened its entire network to accept financial IC cards, for both local residents and foreign visitors who swipe the UnionPay "Quick Pass" logo credit card, to further enhance the convenience of payment and travel.
The application of financial IC cards in the Guangzhou Metro fare collection system is based on the principle of off-line card authentication in online transactions with a background of asynchronous connection. An innovative offline data authentication(ODA) transaction scheme is proposed. In the existing scavenging system for establishing a financial IC card transaction management platform for data processing, the transaction records of financial IC cards and other financial products in the dedicated subway network are sent to a clearing center and then to a financial IC card transaction management platform.Corresponding financial IC card and other financial product transaction data are finally sent to the relevant interface via a communication protocol through the UnionPay private network to organize messages and achieve financial IC card and other related financial product debit transactions. At the present, Guangzhou Metro has opened its entire network to accept financial IC cards, for both local residents and foreign visitors who swipe the UnionPay "Quick Pass" logo credit card, to further enhance the convenience of payment and travel.
引文
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[2]徐高峻.金融IC卡在上海轨道交通应用的工程实践[J].城市轨道交通研究,2014,17(11):126-129.XU Gaojun.Application of financial IC card in Shanghai rail transit projects[J].Urban mass transit,2014,17(11):126-129.
[3]何光家,谢国贤.金融IC卡铁路客票系统应用研究[J].铁路计算机应用,2015,24(10):19-22.HE Guangjia,XIE Guoxian.Application of financial ICcard in railway ticketing and reservation system[J].Railway computer application,2015,24(10):19-22.
[4]中国人民银行广州分行科技处.广州地铁金融IC卡和移动支付应用方案研究[J].金融电子化,2016(11):77-78.
[5]城市轨道交通自动售检票系统技术条件:GB/T 20907-2007[S].北京:中国标准出版社,2007.Technical requirements for antomatic fare collection system of urban rail transportation:GB/T 20907-2007[S].Beijing:China Standards Press,2007.
[6]地铁设计规范:GB 50157-2013[S].北京:中国建筑工业出版社,2014.Code for design of metro:GB 50157-2013[S].Beijing:China Architecture&Building Press,2014.
[7]佳都数据服务有限公司.金融IC卡接入及云卡系统项目总体技术方案书[Z].广州,2016.
[8]中国银联.银联IC卡支持联机ODA功能技术指引[Z].广州,2016.
[9]广州地铁集团有限公司.广州地铁多元化支付情况月报(2017年6月-12月)[Z].广州,2017.
[10]蔺霖.智慧型城市视角下金融IC卡推广应用研究[J].山东工业技术,2016(14):224.