ONLINE TRANSACTION METHOD, VISUAL FINANCIAL IC CARD, CLIENT, AND SERVER

摘要

An online transaction method comprises: a visual financial IC card receives transaction transmission data sent by a client, and obtains transaction data from the transaction transmission data (S1); the visual financial IC card receives an online PIN inputted by a user, and performs encryption to obtain an online PIN ciphertext (S2); the visual financial IC card performs behavior analysis to obtain the card behavior analysis result, sets a first transaction result according to the card behavior analysis result, organizes a packet according to the transaction data, the online PIN ciphertext, the card behavior analysis result and the first transaction result, and sends the packet to the client (S3); the visual financial IC card receives an online response packet sent by the client, performs completion processing according to the online response packet so as to obtain the completion processing result, sets a second transaction result according to the completion processing result, and displays corresponding information according to the second transaction result (S4); and the visual financial IC card organizes a data packet according to the second transaction result and the completion processing result, and sends the data packet to the client (S5). The method has the beneficial effects: an online transaction can be implemented without requiring a transaction terminal such as a POS machine, and accordingly, the security and the convenience of a financial IC card transaction can be improved.