Data processing method and device, and POS transaction system

A data processing device, applied to a POS terminal, comprising:

• a memory having computer-executable instructions stored thereon;
• and
• a processor, which is configured to execute the instructions to:
• read card information pre-stored in a chip card transacting with the POS terminal, wherein the card information comprises information of a program set for processing transaction data of the chip card, the program set at least comprises one or more transaction programs, each of the one or more transaction programs is configured to implement one or more businesses supported by the chip card;
• acquire one or more transaction programs matching with a current transaction in the program set according to the card information;
• and
• run the one or more transaction programs to calculate and transmit transaction data of the current transaction;
• wherein the processor is further configured to:
• inquire whether the one or more transaction programs have been installed according to the card information;
• read the one or more transaction programs installed when it is inquired by the inquiring submodule thata the one or more transaction programs have been installed;
• when it is inquired by the inquiring submodule that the one or more transaction programs have not been installed, send a download request of the one or more transaction programs to a POS management server communicatively connected to the POS terminal, and
• receive an installation package returned by the POS management server in response to the download request;
• and install the one or more transaction programs by using the installation package, which comprises:
• verifying a digital signature include in the installation package;
• decrypting the installation package to obtain an installation data plaintext after the digital signature is verified successfully;
• and
• verifying a data format of the installation data plaintext, and
• intalling the one or more transaction programs by using the installation data plaintext verified successfully.

A data processing device, for processing card-swiping transaction data, comprising:

• a memory having computer-executable instructions stored thereon;
• and
• a processor, which is configured by the instructions to implement at least one of:
• acquire transaction data uploaded by a POS terminal, wherein the transaction data corresponds to a chip card transacting with the POS terminal, card information pre-stored in the chip card comprises information of a program set for processing the transaction data, the program set at least comprises one or more transaction programs, each of the oine or more transaction programs is configured to implement one or more businesses supported by the chip card;
• determine a target transaction background server corresponding to the transaction data;
• transmit the transaction data to the target transaction background server, such that an authorization operation is performed on the transaction data by the target transaction background server;
• and
• receive an authorization response message of the target transaction background server in response to the transaction data and forward the authorization response message of the target transaction background server in response to the transaction data to the POS terminal;
• wherein the processor is further configured to:
• receive a download request of one or more transaction programs send by the POS terminal, to determine the one or more transaction programs from a pre-stored program set according to the download request, to encrypt the one or more transaction programs to generate an installation package in response to the download request, and to send the installation package to the POS terminal, such that the POS terminal:
• verifies a digital signature included in the installation package,
• decrypts the installation package to obtain an installation data plaintext after the digital signature is verified successfully,
• verifies a data format of the installation data plaintext, and
• installs the one or more transaction programs by using the installation data plaintext verified successfully.

A non-transitory computer-readable medium comprising a computer program including instructions stored thereon, which when the instructions of the computer program is executed by a processor of a POS terminal, the processor is configured to configures the POS terminal to perform a data processing method comprising acts of:

• reading card information pre-stored in a chip card transacting with the POS terminal, wherein the card information comprises information of a program set for processing transaction data of the chip card, the program set at least comprises one or more transaction programs, each of the one or more transation programs is configured to implement one or more businesses supported by the chip card;
• acquiring one or more transaction programs matching with a current transaction in the program set according to the card information, which comprises:
• inquiring whether the one or more transaction programs have been installed according to the card information;
• if yes, reading the one or more transaction programs installed;
• and
• if no, sending a download request of the one or more transaction programs to a POS management server communicatively connected to the POS terminal, receiving an installation package returned by the POS management server in response to the download request, and installing the one or more transaction programs by using the installation package, which comprises:
• verifying a digital signature included in the installation package;
• decrypting the installation package to obtain an installaition data plaintext after the digital signature is verified successfully;
• and
• verifying a data format of the installation data plaintext, and installing the one or more transaction programs by using the installation data plaintext verified successfully;
• and
• running the one or more transaction programs to calculate and transmit transaction data of the current transaction.