Online transaction method, visual financial ic card, client, and server

A visual financial IC card, wherein said visual financial IC card comprises

• a receiving module configured to receive transaction transferring data and an online response package sent from a client;
• an obtaining module configured to obtain transaction data from the transaction transferring data received by the receiving module;
• an inputting module configured to receive an online PIN input by a user;
• an encrypting module configured to encrypt the received online PIN received by the inputting module to obtain online PIN ciphertext;
• a first performing module configured to perform behavior analyzing to obtain a card behavior analyzing result;
• a first setting module configured to set a first transaction result according to the card behavior analyzing result obtained by the first performing module;
• a first organizing module configured to organize message according to the first transaction result set by the first setting module, the card analyzing result obtained by the first performing module, the transaction data obtained by the obtaining module and the online PIN ciphertext obtained by the encrypting module;
• a second performing module configured to perform completing processing according to the online response package received by the receiving module to obtain a completing processing result;
• a second setting module configured to set a second transaction result according to the completing processing result obtained by the second performing module;
• a displaying module configured to display corresponding information according to the second transaction result set by the second setting module;
• a second organizing module configured to organize data package according to the second transaction result set by the second setting module and the completing processing result obtained by the second performing module;
• and
• a sending module configured to send the message organized by the first organizing module and the data package organized by the second organizing module to the client.

A client wherein said client comprises

• a first receiving module configured to receive message and data package which are sent by the visual financial IC card;
• a first determining module configured to determine whether a first transaction result in the message received by the first receiving module is an online request;
• an organizing module configured to organize online message according to the message received by the first receiving module in the case that the determining result of the first determining module is yes;
• a first sending module configured to send the online message organized by the organizing module to the server;
• a second receiving module configured to receive a response returned by the server;
• a second sending module configured to send the online response package to the visual financial IC card in the case that the response received by the second receiving module is online response package;
• a second determining module configured to determine whether transaction is approved according to the second transaction result in the data package received by the first receiving module;
• and
• a displaying module configured to display information of failed transaction in the case that the determining result of the first determining module is no;
• display corresponding error information in the case that the response received by the second receiving module is not online response package;
• display information of successful transaction in the case that the determining result of the second determining module is yes;
• display information of refusing transaction in the case that the determining result of the second determining module is no.

A server wherein said server comprises

• a receiving module configured to receive online message sent by a client;
• a determining module configured to determine whether the type of the online message received by the receiving module is correct;
• an analyzing module configured to analyze the online message received by the receiving module in the case that the determining result of the determining module is yes;
• a checking and authenticating module configured to check and authenticate the online message received by the receiving module in the case that analyzing of the analyzing module is successful, if the online message includes necessary data item and authenticating of the necessary data item is successful, checking and authenticating is successful;
• otherwise, checking and authenticating is not successful;
• a first organizing module configured to check and authenticate the online message received by the receiving module in the case that the checking and authenticating of the checking and authenticating module is successful;
• a second organizing module configured to organize error response package in the case that determining result of the determining module is no, the analyzing of the analyzing module is not successful or the checking and authenticating of the checking and authenticating module is not successful;
• and
• a sending module configured to send an online response package organized by the first organizing module and the error response package organized by the second organizing module to the client.