CN101853544A - Mobile terminal and consumption information processing method - Google Patents
Mobile terminal and consumption information processing method Download PDFInfo
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- CN101853544A CN101853544A CN 201010163386 CN201010163386A CN101853544A CN 101853544 A CN101853544 A CN 101853544A CN 201010163386 CN201010163386 CN 201010163386 CN 201010163386 A CN201010163386 A CN 201010163386A CN 101853544 A CN101853544 A CN 101853544A
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Abstract
The invention provides a mobile terminal and a consumption information processing method. The mobile terminal comprises a first communication module and a first processing module, wherein the first communication module is used for performing stored-value communication with a bank gateway through a mobile communication mode and performing consumption communication with a POS device through a short-distance wireless communication mode; and the first processing module is used for verifying the legality of the stored-value communication and/or the consumption communication and storing balance information. The method comprises the following steps that: a first mobile terminal performs the stored-value communication with the bank gateway through the mobile communication mode; and a second mobile terminal performs the consumption communication with the first mobile terminal through the short-distance wireless communication mode; and the second mobile terminal performs balance communication with the bank gateway through the mobile communication mode. By communicating with the bank gateway through the mobile communication mode, the embodiment of the invention overcomes the defects that an electronic wallet cannot be recharged immediately and a POS machine cannot be portably carried or balanced immediately in the prior art, realizes efficient and fast payment by card and enhances the user experience.
Description
Technical field
The present invention relates to wireless communication technology field, relate in particular to a kind of portable terminal with electronic purse function and have point of sale (Point Of Sales; Hereinafter to be referred as: the POS) portable terminal of machine function, and a kind of consumption information processing method.
Background technology
In actual life, people use the stored-value card with small amount payment function more and more, and promptly so-called " stored value card " is as bank card, mass transit card, campus card or supermarket stored value card etc.The user at first need be prestored into certain amount of money at bank's gateway of appointment in stored value card, directly deduct the consumption amount of money then when the POS machine carries out bankcard consumption from stored value card.On the other hand, the POS machine need be settled accounts with corresponding bank gateway behind the stored value card deduction consumption amount of money.If the POS machine is that wired POS machine then can be settled accounts in time, if being wireless POS machine, the POS machine then needs regularly or not timing ground line bank gateway, to settle accounts.
But in the existing this stored value card consumption pattern, on the one hand, the amount of money that must prestore in stored value card in advance can't in time carry out Stored Value, and then can't consume when Sorry, your ticket has not enough value; On the other hand, wired POS machine can't be carried easily, and wireless POS machine then can not be in time settled accounts with the bank gateway.Make troubles to the user thus, make user experience relatively poor.
Summary of the invention
The embodiment of the invention provides a kind of portable terminal and consumption information processing method, can't in time carry out the defective of Stored Value in order to stored value card in the solution prior art, and solution POS machine can't be by the defective of carrying easily or can't in time settle accounts, realize the bankcard consumption of efficient quick, to strengthen user experience.
The embodiment of the invention provides a kind of portable terminal, comprising:
First communication module is used for carrying out Stored Value by mobile communication and bank gateway and communicates by letter, and consumes with the POS machine by the short-distance wireless communication mode and to communicate by letter;
First processing module is used to verify the legitimacy of described Stored Value communication and/or described consumption communication, and carries out the balance amount information storage.
The embodiment of the invention also provides a kind of portable terminal, comprising:
Second communication module is used for settling accounts by mobile communication and bank gateway and communicates by letter, and consumes with electronic purse device by the short-distance wireless communication mode and to communicate by letter;
Second processing module is used to verify the legitimacy of described clearing communication and/or described consumption communication, and consumes recording storage.
The embodiment of the invention provides a kind of consumption information processing method, comprising:
First portable terminal receives the Stored Value information that is used to identify the Stored Value amount that bank's gateway sends by mobile communication, and returns the Stored Value confirmation to described bank gateway when described Stored Value information is legal;
Second portable terminal sends authorization information by the short-distance wireless communication mode to described first portable terminal, and when receiving the authentication response information that described first portable terminal returns, send the amount of consumption information that is used to identify the consumption amount to described first portable terminal, it is legal that described authentication response information is used to identify described authorization information;
After described first portable terminal receives the described amount of consumption information of described second portable terminal transmission, verify the legitimacy of described amount of consumption information, and when described amount of consumption information is legal, send amount of consumption confirmation to described second portable terminal;
Described second portable terminal sends to described bank gateway by mobile communication and is used to ask to settle accounts the settlement request information of current consumption, and receives the clearing confirmation that described bank gateway verifies that described settlement request information is returned after legal.
The portable terminal of the embodiment of the invention and consumption information processing method, communicate by mobile communication and bank's gateway, changed in the prior art that stored value card can't in time carry out Stored Value and the POS machine can't be by the defective of carrying easily or can't in time settle accounts, realize the bankcard consumption of efficient quick, strengthened user experience.
Description of drawings
In order to be illustrated more clearly in the technical scheme of the embodiment of the invention, the accompanying drawing of required use is done an introduction simply in will describing embodiment below, apparently, accompanying drawing in describing below is some embodiments of the present invention, for those of ordinary skills, under the prerequisite of not paying creative work, can also obtain other accompanying drawing according to these accompanying drawings.
Fig. 1 is the structural representation of portable terminal one embodiment of the present invention;
Fig. 2 is the structural representation of another embodiment of portable terminal of the present invention;
Fig. 3 is the structural representation of the another embodiment of portable terminal of the present invention;
Fig. 4 is the portable terminal of the present invention structural representation of an embodiment again;
Fig. 5 is the process flow diagram of consumption information processing method one embodiment of the present invention.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention clearer, below in conjunction with the accompanying drawing in the embodiment of the invention, technical scheme in the embodiment of the invention is clearly and completely described, obviously, described embodiment is the present invention's part embodiment, rather than whole embodiment.Based on the embodiment among the present invention, those of ordinary skills belong to the scope of protection of the invention not making the every other embodiment that is obtained under the creative work prerequisite.
Fig. 1 is the structural representation of portable terminal one embodiment of the present invention.As shown in Figure 1, the invention provides a kind of portable terminal, comprising: the first communication module 11 and first processing module 12.Wherein, first communication module 11 is used for carrying out Stored Value by mobile communication and bank gateway communicates by letter, and consumes with the POS machine by the short-distance wireless communication mode and to communicate by letter; First processing module 12 is used to verify the legitimacy of above-mentioned Stored Value communication and/or consumption communication, and carries out the balance amount information storage.
In embodiments of the present invention, first processing module 12 can be integrated in mobile terminal user identification module (Subscriber Identity Module; Hereinafter to be referred as: SIM) in card, SIM expansion card (being that SIM card is pasted) or the storage card.First communication module 11 can pass through global mobile communication (GlobalSystem for Mobile Communications; Hereinafter to be referred as: GSM) mode, CDMA communication (Code Division Multiple Access; Hereinafter to be referred as: CDMA) mode, general packet radio service communication (General Packet Radio Service; Hereinafter to be referred as: GPRS) mode or 3G (Third Generation) Moblie (3rd-generation; Hereinafter to be referred as: 3G) mobile communication such as mode carries out Stored Value with the bank gateway and communicates by letter.The fund of bank account is transferred to Stored Value process in the stored value card account by bank's gateway to be called circle and to deposit.First communication module 11 can also be by passive radio frequency identification communication (Radio Frequency Identification; Hereinafter to be referred as: RFID) mode, Bluetooth communication mode, Wireless Fidelity communication (Wireless Fidelity; Hereinafter to be referred as: WiFi) short-distance wireless communication modes such as mode, over the horizon communication system or purple peak communication (ZigBee) mode are consumed with the POS machine and are communicated by letter.The communication range of short-distance wireless communication mode normally in tens meters, has the characteristics of low cost, low-power consumption and peer-to-peer communications.
SIM expansion card essence in the embodiment of the invention is a kind of programmable integrated circuit (IntegratedCircuit; Hereinafter to be referred as: IC) card, inside has comprised CPU (central processing unit) (Central ProcessingUnit; Hereinafter to be referred as: CPU), internal memory and handling procedure, on the external form contact conversion thin slice that designs for the screens of the SIM card that adapts to the different mobile terminal correspondence.During use the SIM card chip contacts is aimed at contact on the SIM expansion card, both are bonding, again this " bonding " card is directly inserted portable terminal SIM slot, behind the mobile terminal-opening, by using built-in handling procedure, can not change original function of portable terminal and number, can provide SIM card to paste built-in SIM tool box (SIMTool Kit to portable terminal simultaneously; Hereinafter to be referred as: STK) menu, thus the STK that has expanded portable terminal uses.In addition, if service provider's business has been carried out expansion or has been changed, can send message to customer mobile terminal, this message can be passed to SIM card and paste, handling procedure during SIM card is pasted can be made amendment to existing STK menu according to this message, thereby reaches the purpose that new service is provided to the user.STK comprises one group of instruction and is used for the mutual of portable terminal and SIM card, can make the handling procedure in the SIM card operation card like this, realizes the purpose of value-added service.Communication session between portable terminal and SIM card/SIM card is pasted is Application Protocol Data Unit (the Application Protocol Data Unit by the agreement prescribed form; Hereinafter to be referred as: APDU) instruction realizes.Storage card is to utilize flash memory (Flash Memory) technology to reach the storer of storage of electronic information, generally be applied in the small-sized digital products such as digital camera, palm PC, MP3, mobile phone, PDA as storage medium, so appearance is small and exquisite, just like a card.According to different production firms and different application, storage card probably has SM (Smart Media) card, CF (CompactFlash) card, MMC (Multi Media Card), SD (Secure Digital) card, memory stick (Memory Stick), XD (XD-Picture) card and micro harddisk (MICRODRIVE) or the like, though these storage card outward appearances, specification difference, know-why all are identical.Data transmission between storage card and the portable terminal is generally all based on MMC and two kinds of communication protocols of SPI.
The portable terminal of the embodiment of the invention has the function of stored value card, can communicate by mobile communication and bank's gateway, change the defective that stored value card in the prior art can't in time carry out Stored Value, realized the bankcard consumption of efficient quick, strengthened user experience.
Fig. 2 is the structural representation of another embodiment of portable terminal of the present invention.As shown in Figure 2, on the basis of the foregoing description, first communication module 11 can comprise: first communication unit 21 and second communication unit 22.Wherein first communication unit 21 is used for receiving the Stored Value information that is used to identify the Stored Value amount that bank's gateway sends by GSM mode, CDMA mode, GPRS mode or 3G mode, and returns the Stored Value confirmation to bank's gateway when this Stored Value information is legal; Second communication unit 22 is used for receiving the authorization information of POS machine transmission and being used to identify the amount of consumption information of consuming amount by RFID mode, Bluetooth communication mode, WiFi mode, over the horizon communication system or ZigBee mode, and when this authorization information is legal, return authentication response information, when this amount of consumption information is legal, return amount of consumption confirmation to the POS machine to the POS machine.
Further, above-mentioned first processing module 12 can comprise: first authentication unit 23 and first storage unit 24.Wherein, first authentication unit 23 is used to verify the legitimacy of the Stored Value information that bank's gateway sends, and when this Stored Value information is legal, generate the Stored Value confirmation, and be used to verify the authorization information that the POS machine sends and the legitimacy of amount of consumption information, and when this authorization information is legal, generate authentication response information, when this amount of consumption information is legal, generate amount of consumption confirmation; First storage unit 24 is used for storing this Stored Value information when Stored Value information is legal, stores this amount of consumption information when amount of consumption information is legal, and storage is used to identify the balance amount information of remaining sum amount.
The portable terminal of the embodiment of the invention has the function of stored value card, can communicate by mobile communication and bank's gateway, change the defective that stored value card in the prior art can't in time carry out Stored Value, realized the bankcard consumption of efficient quick, strengthened user experience.
Fig. 3 is the structural representation of the another embodiment of portable terminal of the present invention.As shown in Figure 3, the invention provides a kind of portable terminal, comprising: the second communication module 31 and second processing module 32.Wherein, second communication module 31 is used for settling accounts by mobile communication and bank gateway communicates by letter, and consumes with electronic purse device by the short-distance wireless communication mode and to communicate by letter; Second processing module 32 is used to verify the legitimacy of this clearing communication and/or this consumption communication, and consumes recording storage.
In embodiments of the present invention, second processing module 32 can be integrated in SIM card, SIM expansion card or the storage card of portable terminal.Second communication module 31 can be settled accounts by mobile communications such as GSM mode, CDMA mode, GPRS mode or 3G mode and bank gateway and communicate by letter.Second communication module 31 can also be consumed with electronic purse device by short-distance wireless communication modes such as RFID mode, Bluetooth communication mode, WiFi mode, over the horizon communication system or ZigBee modes and communicate by letter.
The portable terminal of the embodiment of the invention has the function of POS machine, can communicate by mobile communication and bank's gateway, having changed in the prior art POS machine can't have been realized the bankcard consumption of efficient quick by the defective of carrying easily or can't in time settle accounts, and has strengthened user experience.
Fig. 4 is the portable terminal of the present invention structural representation of an embodiment again.As shown in Figure 4, above-mentioned second communication module 31 can comprise: third communication unit 41 and four-way letter unit 42.Wherein, third communication unit 41 is used for sending the settlement request information that is used to ask to settle accounts current consumption by GSM mode, CDMA mode, GPRS mode or 3G mode to the bank gateway, and receives the clearing confirmation that bank's gateway verifies that this settlement request information is returned after legal; Four-way letter unit 42 is used for sending authorization information and being used to identify the amount of consumption information of consuming amount to electronic purse device by RFID mode, Bluetooth communication mode, WiFi mode, over the horizon communication system or ZigBee mode, and receive the authentication response information that electronic purse device verifies that this authorization information is returned after legal, receive the amount of consumption confirmation that electronic purse device verifies that this amount of consumption information is returned after legal.
Further, above-mentioned second processing module 32 can comprise: second authentication unit 43 and second storage unit 44.Wherein, the legitimacy of the clearing confirmation that second authentication unit 43 is used to verify that bank's gateway returns, and be used to verify the authentication response information that the POS machine returns and the legitimacy of amount of consumption confirmation; Second storage unit 44 is used for storing this clearing confirmation when the clearing confirmation is legal, stores this amount of consumption information when amount of consumption confirmation is legal.
The portable terminal of the embodiment of the invention has the function of POS machine, can communicate by mobile communication and bank's gateway, having changed in the prior art POS machine can't have been realized the bankcard consumption of efficient quick by the defective of carrying easily or can't in time settle accounts, and has strengthened user experience.
Fig. 5 is the process flow diagram of consumption information processing method one embodiment of the present invention.As shown in Figure 5, the embodiment of the invention provides a kind of consumption information processing method, this method has been described between portable terminal (i.e. first portable terminal) with electronic purse function and the portable terminal with POS machine function (i.e. second portable terminal) to consume by short-distance wireless communication modes such as GSM mode, CDMA mode, GPRS mode or 3G modes and has been communicated by letter, and first portable terminal and second portable terminal carry out Stored Value respectively by GSM mode, CDMA mode, GPRS mode or 3G mode mobile communication and bank gateway and communicate by letter and communicate by letter with settling accounts.This method comprises:
After step 503, first portable terminal receive the amount of consumption information of second portable terminal transmission, verify the legitimacy of this amount of consumption information, and when amount of consumption information is legal, send amount of consumption confirmation to second portable terminal;
In embodiments of the present invention, second portable terminal at first needs the amount of money of consumption by STK menu in SIM card or the SIM expansion card or the input of the application program in the storage card, second portable terminal and first portable terminal are carried out 3 handshake operation according to the bank transaction safety standard then, verify legitimacy mutually.Second portable terminal initiates to carry the consumption request of amount of consumption information to first portable terminal, and after first portable terminal checking solicited message, execution is deducted fees, and sends amount of consumption confirmation to second portable terminal.Second portable terminal is finished on-the-spot consumption after receiving amount of consumption confirmation, to bank's gateway requests clearing.After bank's gateway processes is settled accounts successfully, issue the clearing confirmation and give second portable terminal, finish whole process of consumption after second portable terminal checking clearing confirmation.
The consumption information processing method of the embodiment of the invention, communicate by mobile communication and bank's gateway, changed in the prior art that stored value card can't in time carry out Stored Value and the POS machine can't be by the defective of carrying easily or can't in time settle accounts, realize the bankcard consumption of efficient quick, strengthened user experience.
One of ordinary skill in the art will appreciate that: all or part of step that realizes said method embodiment can be finished by the relevant hardware of programmed instruction, aforesaid program can be stored in the computer read/write memory medium, this program is carried out the step that comprises said method embodiment when carrying out; And aforesaid storage medium comprises: various media that can be program code stored such as ROM, RAM, magnetic disc or CD.
It should be noted that at last: above embodiment only in order to technical scheme of the present invention to be described, is not intended to limit; Although with reference to previous embodiment the present invention is had been described in detail, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that aforementioned each embodiment put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these modifications or replacement do not make the essence of appropriate technical solution break away from the spirit and scope of various embodiments of the present invention technical scheme.
Claims (8)
1. a portable terminal is characterized in that, comprising:
First communication module is used for carrying out Stored Value by mobile communication and bank gateway and communicates by letter, and consumes with the POS machine by the short-distance wireless communication mode and to communicate by letter;
First processing module is used to verify the legitimacy of described Stored Value communication and/or described consumption communication, and carries out the balance amount information storage.
2. portable terminal according to claim 1 is characterized in that, described first communication module comprises:
First communication unit, be used for receiving the Stored Value information that is used to identify the Stored Value amount that described bank gateway sends, and when described Stored Value information is legal, return the Stored Value confirmation to described bank gateway by global mobile communication mode, CDMA communication mode, general packet radio service communication mode or 3G (Third Generation) Moblie mode;
The second communication unit, be used for receiving the authorization information of described POS machine transmission and being used to identify the amount of consumption information of consuming amount by passive radio frequency identification communication mode, Bluetooth communication mode, Wireless Fidelity communication mode, over the horizon communication system or purple honeybee communication mode, and when described authorization information is legal, return authentication response information, when described amount of consumption information is legal, return amount of consumption confirmation to described POS machine to described POS machine.
3. portable terminal according to claim 2 is characterized in that, described first processing module comprises:
First authentication unit, be used to verify the legitimacy of the described Stored Value information that described bank gateway sends, and when described Stored Value information is legal, generate the Stored Value confirmation, and be used to verify the described authorization information that described POS machine sends and the legitimacy of described amount of consumption information, and when described authorization information is legal, generate authentication response information, when described amount of consumption information is legal, generate amount of consumption confirmation;
First storage unit is used for storing described Stored Value information when described Stored Value information is legal, stores described amount of consumption information when described amount of consumption information is legal, and storage is used to identify the balance amount information of remaining sum amount.
4. a portable terminal is characterized in that, comprising:
Second communication module is used for settling accounts by mobile communication and bank gateway and communicates by letter, and consumes with electronic purse device by the short-distance wireless communication mode and to communicate by letter;
Second processing module is used to verify the legitimacy of described clearing communication and/or described consumption communication, and consumes recording storage.
5. portable terminal according to claim 4 is characterized in that, described second communication module comprises:
Third communication unit, be used for sending to described bank gateway and be used to ask to settle accounts the settlement request information of current consumption, and receive the clearing confirmation that described bank gateway verifies that described settlement request information is returned after legal by global mobile communication mode, CDMA communication mode, general packet radio service communication mode or 3G (Third Generation) Moblie mode;
Four-way letter unit, be used for sending authorization information and being used to identify the amount of consumption information of consuming amount to described electronic purse device by passive radio frequency identification communication mode, Bluetooth communication mode, Wireless Fidelity communication mode, over the horizon communication system or purple honeybee communication mode, and receive the authentication response information that described electronic purse device verifies that described authorization information is returned after legal, receive the amount of consumption confirmation that described electronic purse device verifies that described amount of consumption information is returned after legal.
6. portable terminal according to claim 5 is characterized in that, described second processing module comprises:
Second authentication unit, the legitimacy of the described clearing confirmation that is used to verify that described bank gateway returns, and be used to verify the described authentication response information that described POS machine returns and the legitimacy of described amount of consumption confirmation;
Second storage unit is used for storing described clearing confirmation when described clearing confirmation is legal, stores described amount of consumption information when described amount of consumption confirmation is legal.
7. a consumption information processing method is characterized in that, comprising:
First portable terminal receives the Stored Value information that is used to identify the Stored Value amount that bank's gateway sends by mobile communication, and returns the Stored Value confirmation to described bank gateway when described Stored Value information is legal;
Second portable terminal sends authorization information by the short-distance wireless communication mode to described first portable terminal, and when receiving the authentication response information that described first portable terminal returns, send the amount of consumption information that is used to identify the consumption amount to described first portable terminal, it is legal that described authentication response information is used to identify described authorization information;
After described first portable terminal receives the described amount of consumption information of described second portable terminal transmission, verify the legitimacy of described amount of consumption information, and when described amount of consumption information is legal, send amount of consumption confirmation to described second portable terminal;
Described second portable terminal sends to described bank gateway by mobile communication and is used to ask to settle accounts the settlement request information of current consumption, and receives the clearing confirmation that described bank gateway verifies that described settlement request information is returned after legal.
8. consumption information processing method according to claim 7 is characterized in that,
Described short-distance wireless communication mode comprises: passive radio frequency identification communication mode, Bluetooth communication mode, Wireless Fidelity communication mode, over the horizon communication system or purple honeybee communication mode;
Described mobile communication comprises: global mobile communication mode, CDMA communication mode, general packet radio service communication mode or 3G (Third Generation) Moblie mode.
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| CN 201010163386 CN101853544A (en) | 2010-04-28 | 2010-04-28 | Mobile terminal and consumption information processing method |
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| CN 201010163386 CN101853544A (en) | 2010-04-28 | 2010-04-28 | Mobile terminal and consumption information processing method |
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| CN102468862A (en) * | 2010-11-15 | 2012-05-23 | 上海合玉科技发展有限公司 | High frequency radio-frequency circuit embedded mobile phone expansion card sticker |
| CN103150812A (en) * | 2011-12-07 | 2013-06-12 | 国民技术股份有限公司 | Method and system for transferring money value among electronic wallets |
| CN105745678A (en) * | 2013-09-20 | 2016-07-06 | 维萨国际服务协会 | Secure remote payment transaction processing including consumer authentication |
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| US10607212B2 (en) | 2013-07-15 | 2020-03-31 | Visa International Services Association | Secure remote payment transaction processing |
| US11062306B2 (en) | 2013-08-15 | 2021-07-13 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
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| US11188901B2 (en) | 2013-08-15 | 2021-11-30 | Visa International Service Association | Secure remote payment transaction processing using a secure element |
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| CN105745678A (en) * | 2013-09-20 | 2016-07-06 | 维萨国际服务协会 | Secure remote payment transaction processing including consumer authentication |
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| US11710120B2 (en) | 2013-09-20 | 2023-07-25 | Visa International Service Association | Secure remote payment transaction processing including consumer authentication |
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