CN101996442A - Method, device and system for recharging electronic purse - Google Patents
Method, device and system for recharging electronic purse Download PDFInfo
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- CN101996442A CN101996442A CN2009100914971A CN200910091497A CN101996442A CN 101996442 A CN101996442 A CN 101996442A CN 2009100914971 A CN2009100914971 A CN 2009100914971A CN 200910091497 A CN200910091497 A CN 200910091497A CN 101996442 A CN101996442 A CN 101996442A
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Abstract
The invention discloses a method, a device and a system for recharging an electronic purse, wherein the method comprises the following steps of: after electronic payment of a user card by using the electronic purse on a point of sells (POS) terminal, inquiring the account balance of the electronic purse on the user card, and comparing the inquired account balance with the recharging threshold of the electronic purse; and if the account balance of the electronic purse is less than the recharging threshold, acquiring the recharging type identification of the user card, and launching a corresponding electronic purse recharging process to the electronic purse for recharging by using the POS or a user terminal of the user card according to the required recharging type identification. The invention can be used for automatically recharging the electronic purse in various flexible modes.
Description
Technical field
The present invention relates to wireless communication field, relate in particular to stored value card recharge method and device thereof and system.
Background technology
Stored value card is a kind of financial IC card application for making things convenient for the on-the-spot small amount consumption of holder to design, and its supports circle to deposit functions such as (supplementing with money), consumption, inquiry into balance and transaction detail query.
Along with developing rapidly and technological incorporation of close range communication techniques and e-commerce technology, financial IC card can be the smart card that possesses non-contact function, for example the USIM in the portable terminal (universal subscriber identity module) card or SIM (user identification module) card.The holder deposits certain amount of money (being placed in the on-the-spot off line payment account on the card) in advance in card, when carrying out consumer sale from the account off line deduction dealing money get final product.
But, in actual use, when Sorry, your ticket has not enough value in the card, make troubles for user's daily life, the consumption such as doing shopping or ride of for example can't swiping the card.
Present stored value card technology has been for the user provides inquiry into balance or Presentation Function, and stored value card supplement function with money.When the user learns on-the-spot off line payment account on (U) SIM card of portable terminal Sorry, your ticket has not enough value by inquiry into balance or Presentation Function, the user need supplement with money in advance by phone, promptly in advance the allocation of the funds is deposited the center to stored value card phone circle, afterwards, need be at POS (Point-Of-Sale terminal, point of sales terminal) goes up in the allocation of the funds of depositing for the pre-circle of this stored value card in the heart in by the operation of swiping the card stored value card phone circle the being deposited on-the-spot off line payment account on (U) SIM card, supplement operation with money thereby finish stored value card.
As seen, existing stored value card recharge procedure needs the user initiatively to trigger, and the automatically charging for electronic purse flow process of contact or contact type intelligent card is not provided concrete implementation.
Summary of the invention
The embodiment of the invention provides stored value card recharge method and device and system, to realize automatically charging for electronic purse.
The technical scheme that the embodiment of the invention provides comprises:
A kind of stored value card recharge method may further comprise the steps:
After subscriber card uses stored value card to pay by mails by point of sales terminal POS, inquire about the account balance of this above stored value card of subscriber card, and the account balance that inquires and the threshold value of supplementing with money of this stored value card are compared;
If being lower than, the account balance of stored value card supplements threshold value with money, then obtain the type identification of supplementing with money of this subscriber card, and,, initiate corresponding stored value card recharge procedure described stored value card is supplemented with money by the user terminal at POS or this subscriber card place according to the type identification of supplementing with money that gets access to.
A kind of subscriber card comprises:
Enquiry module is used for inquiring about the account balance of this above stored value card of subscriber card after described subscriber card uses stored value card to pay by mails by POS;
Comparison module is used for the account balance of this stored value card and the threshold value of supplementing with money of this stored value card are compared;
Acquisition module, the account balance that is used for when described stored value card is lower than when supplementing threshold value with money, obtains the type identification of supplementing with money of this subscriber card;
Trigger module is used for, initiating corresponding stored value card recharge procedure described stored value card being supplemented with money by the user terminal at POS or this subscriber card place according to the type identification of supplementing with money that gets access to.
A kind of stored value card recharge method may further comprise the steps:
POS receives the type identification of supplementing with money that the stored value card account balance of subscriber card on this subscriber card is lower than this subscriber card of sending when supplementing threshold value with money;
POS supplements type identification with money according to this, initiates corresponding stored value card recharge procedure to payment system described stored value card is supplemented with money.
A kind of stored value card charging system comprises:
POS is used to receive the type identification of supplementing with money that the electronic purse balance amount of subscriber card on this subscriber card is lower than the subscriber card that sends when supplementing threshold value with money, sends charging request according to the described type identification of supplementing with money, wherein carries the described type identification of supplementing with money; And, receive the response of returning of supplementing with money, and supplement response with money according to this and supplement indication accordingly with money to described subscriber card transmission;
Payment system is used to receive described charging request and supplements processing with money, according to the described type identification of supplementing with money, returns to POS or described subscriber card and to supplement response with money.
The above embodiment of the present invention, on the one hand, by after using stored value card to pay by mails, stored value card account balance on the automatic inquiring user card, and be lower than in remaining sum under the situation of supplementing threshold value with money of this stored value card, automatically initiate the stored value card recharge procedure, thereby realized automatically charging for electronic purse; On the other hand, also be provided with on the subscriber card in the embodiment of the invention and supplement type identification with money, subscriber card can be initiated corresponding stored value card recharge procedure by POS or subscriber card place terminal according to the type identification of supplementing with money that is provided with, thereby provides flexibly stored value card to supplement mode with money.The technical scheme that the embodiment of the invention provided can be applicable to portable terminal (U) SIM card, also can be applicable to contact or contact type intelligent card.
Description of drawings
Fig. 1 is the related system architecture synoptic diagram of the embodiment of the invention;
Fig. 2 is an electronic wallet application synoptic diagram in the embodiment of the invention;
Fig. 3 is for supplementing the schematic flow sheet of prompting with money by POS in the embodiment of the invention;
Fig. 4 carries out the schematic flow sheet that supplement with money at the scene in the embodiment of the invention by POS;
The schematic flow sheet of Fig. 5 for supplementing with money in the air by the POS machine in the embodiment of the invention;
Fig. 6 is for carrying out the schematic flow sheet of supplementing with money in the air by user terminal in the embodiment of the invention;
Fig. 7 is the structural representation of the subscriber card in the embodiment of the invention.
Embodiment
Below in conjunction with accompanying drawing the embodiment of the invention is described in detail.
Referring to Fig. 1, for the realization stored value card circle that the embodiment of the invention provides is deposited the related network system architecture of flow process.
As shown in Figure 1, the entity that comprises of this system architecture has: contact (or contactless) smart card, noncontact user terminal (including (U) SIM card), read/write card device and payment system.Wherein, store the main account of user's electronic wallet in the payment system, store the on-the-spot off line payment account (also claiming card to go up payment account, as follows) of user's electronic wallet on (U) SIM card of contactless user terminal.Interface between each entity comprises:
IF1: the interface between read/write card device and contact (or contactless) smart card;
IF2: the interface between read/write card device and the noncontact user terminal (including (U) SIM card);
IF3: the interface between read/write card device and the payment system;
IF4: the interface between payment system and the noncontact user terminal (including (U) SIM card).
Above-mentioned contact (or contactless) smart card, or containing on (U) SIM card in the noncontact user terminal store the file relevant with electronic wallet application, can organize these files according to the regulation of ISO/IEC 7816-4, as shown in Figure 2.Wherein, the user haves no right to change " the Card Type data element " preserved under the electronic wallet application, this data element be used to distinguish (U) SIM card in contact (or contactless) smart card or the noncontact user terminal (as, 0 expression contact (or contactless) smart card, (U) SIM card in the 1 expression noncontact user terminal).The user also haves no right to change preservation " application sequence data element " under the electronic wallet application, this data element unique identification electronic purse customer.
In the embodiment of the invention, go up payment account from main account to card and transfer certain amount fund, be called the stored value card circle and deposit process to finish the process that stored value card is supplemented with money.The stored value card circle that the embodiment of the invention provides is deposited flow process and is mainly comprised:
Subscriber card (above-mentioned smart card or (U) SIM card) after stored value card is paid by mails, is inquired about the account balance of this stored value card on this subscriber card, and the account balance that inquires and the threshold value of supplementing with money of this stored value card are compared; If being lower than, the account balance of stored value card supplements threshold value with money, show that this stored value card account balance is not enough, need supplement with money, at this moment, obtain the type identification of supplementing with money of this subscriber card, and send and to carry the charging request that this supplements type identification with money, supplement the recharge procedure of this corresponding stored value card of type identification to trigger with money with this.
Deposit the difference of the subscriber card type of process according to carrying out the stored value card circle, the embodiment of the invention is at smart card, and provides the stored value card circle to deposit mode respectively at (U) SIM card of user terminal:
For contact (or contactless) smart card, the user can set and supplement threshold value, recharge amount strategy with money, supplement type with money, the remaining sum of payment account is lower than when supplementing threshold value with money on blocking, then supplement type, recharge amount calculative strategy with money according to what set, supplement the fund of certain amount with money card from the stored value card main account and go up payment account, supplementing type with money can be provided with as required by system or user, and supplementing type with money can comprise:
0: do not carry out and supplement with money;
1: supplement prompting with money;
2: carry out the scene by POS and supplement with money.
For noncontact user terminal (including (U) SIM card), the user can set and supplement threshold value, recharge amount strategy with money, supplement type with money, the remaining sum of payment account is lower than when supplementing threshold value with money on blocking, then supplement type and recharge amount calculative strategy thereof with money according to what set, supplement the fund of certain amount with money card from the main account of stored value card and go up payment account, supplementing type with money can be provided with as required by system or user, and supplementing type with money can comprise:
0: do not carry out and supplement with money;
1: supplement prompting with money;
2: carry out the scene by POS and supplement with money;
3: supplement with money in the air by POS;
4: supplement with money in the air by user terminal.
Wherein, the recharge amount strategy can be: according to the recharge amount amount that the user sets, supplement the fund of identical amount with money card and go up (usually, the recharge amount amount is not less than supplements threshold value with money) in the payment account; Also can be: the difference of payment account remaining sum be supplemented with money blocking payment account as supplementing amount with money on recharge amount amount that the user is set and the current card.By this dual mode, can on the card of user terminal, the payment account remaining sum be lower than when supplementing threshold value with money, to supplement with money by going up payment account to card from the stored value card main account, the remaining sum that makes card go up payment account is not less than supplements threshold value with money.
Below in conjunction with respective drawings, the stored value card circle mode of depositing that above-mentioned dissimilar subscriber card is realized is described in detail.
Referring to Fig. 3, for supplement the schematic flow sheet of prompting in the embodiment of the invention with money by POS, this flow process is applicable to (U) SIM card (in this flow process above-mentioned card being referred to as subscriber card) in contact (or contactless) smart card and the noncontact user terminal, and the type of supplementing with money that subscriber card is current is 1.As shown in the figure, this flow process comprises:
Step 301, after finishing consumer sale with stored value card, POS sends GETBALANCE order (reading balance amount order) to subscriber card.
After step 302, subscriber card are received this order, the account balance of this stored value card on the inquiring user card, when account balance be lower than setting supplement threshold value with money the time, according to this subscriber card current supplement type with money, generate return message.
In this step, because the current type of supplementing with money is 1 in the subscriber card, then in return message, will to supplement the type value with money be 1, supplement the threshold value value with money is that predefined numerical value, recharge amount value are 0.
Step 303, subscriber card send GET BALANCE response to POS, wherein carry the return message of generation, also can comprise subscriber card type, application sequence number in the response message, supplement relevant information such as amount with money.
The information and executing respective handling that step 304, POS return according to subscriber card.
In this step, because the type of supplementing with money that subscriber card returns is 1, then POS can show the electronic purse balance amount of this subscriber card, also can judge whether to send and supplement prompting with money and (the corresponding judgment strategy can be set on POS, supplement prompting with money as determine whether needs according to the equal factor of the difference of subscriber card type, type of transaction), promptly point out the user need supplement (step 305) with money.Subsequent user can be initiated the stored value card recharge procedure by subscriber card.
In flow process shown in Figure 3, the message format of the GET BALANCE order that POS sends can be as shown in table 1:
Table 1, GETBALANCE command message
| Code | Value (16 system) | Explanation |
| CLA | ‘80’ | The message data territory does not have MAC information |
| INS | ‘5C’ | " GET BALANCE " command id |
| P1 | ‘01’ | Sign expansion " reading balance amount " instruction |
| P2 | ‘02’ | Sign " stored value card " |
| L c | ‘07’ | The command message data field length |
| Data | See Table 2 | The data field content |
| L e | ‘22’ | Response message data field desired length |
Table 2, GET BALANCE command message data (Data) territory
| Explanation | Length (byte) |
| Cipher key index number | 1 |
| POS machine numbering | 6 |
Accordingly, subscriber card is after receiving this order, and performed operation can comprise:
Check the cipher key index number (promptly whether supporting this cipher key index number indicated key) that comprises in whether supporting to order, if do not support, then loopback status code ' 9403 ' (showing unsupported cipher key index), but any other data of not loopback stop the process of commands process simultaneously; If support, then produce pseudo random number (ICC), process key (SESLK) and message and sign other sign indicating number (MAC), enclose the legitimacy of depositing transaction and subscriber card for the payment system checking.
Wherein, SESLK is that the key of preserving in the electronic wallet application by subscriber card (sub-key) of supplementing with money produces, as, SESLK=pseudo random number (ICC) || stored value card on-line transaction sequence number || ' 8000 '
MAC encrypts the back by SESLK to following data (by listed order) and produces:
Electronic purse balance amount (before the transaction);
Dealing money (being recharge amount);
The type of transaction sign;
The POS numbering.
Preferably, the production method of SESLK is abideed by " China's finance integrated circuit (IC) card electronic wallet/electronic passbook standard second portion: using standard "), the computing mechanism of MAC is abideed by " China's finance integrated circuit (IC) card electronic wallet/electronic passbook standard second portion: using standard ".
In flow process shown in Figure 3, after the GET BALANCE command execution success, the data field of the GETBALANCE response message that subscriber card returns can (if the status code of card loopback is not ' 9000 ', then transaction stops) as shown in table 3:
Table 3, GET BALANCE response message data field
Referring to Fig. 4, for carrying out the schematic flow sheet that supplement with money at the scene by POS in the embodiment of the invention, this flow process is applicable to (U) SIM card (in this flow process above-mentioned card being referred to as subscriber card) in contact (or contactless) smart card and the noncontact user terminal, and the type of supplementing with money that subscriber card is current is 2.As shown in the figure, this flow process comprises:
Step 401, after finishing consumer sale with stored value card, POS sends the GETBALANCE order to subscriber card.
After step 402, subscriber card are received this order, the account balance of this stored value card on the inquiring user card, when account balance be lower than setting supplement threshold value with money the time, according to this subscriber card current supplement type with money, generate return message.
In this step, because the current type of supplementing with money is 2 in the subscriber card, then in return message, supplementing the type value with money is 2, and supplementing the threshold value value with money is predefined numerical value, the supplement amount of recharge amount value for determining according to the recharge amount strategy.
Step 403, subscriber card send GET BALANCE response to POS, wherein carry the return message of generation, can comprise subscriber card type, application sequence number in the response message, supplement relevant information such as amount with money.
The information and executing respective handling that step 404, POS return according to subscriber card.
In this step, because the type of supplementing with money that subscriber card returns is 2, expression need be carried out the scene and supplement operation with money.POS also can show this stored value card account balance information on this subscriber card.
Step 405, POS submit charging request to payment system, portable application sequence number, electronic purse balance amount in the request, supplement information such as amount with money, and supplement type identification with money.
Step 406, payment system are supplemented processing (deduction is supplemented the fund of amount with money from the stored value card main account) with money according to this charging request, and are returned recharging result.
In this step, if the payment system successful recharging is then represented to return the successful recharging response to POS according to supplementing type with money; If supplement failure with money, for example: Sorry, your ticket has not enough value for main account, application sequence number illegal, charging request validity or legitimate verification failure etc., then represents to return to POS and supplement failure response with money according to supplementing type with money.
Step 407, POS carry out corresponding operating according to the recharging result that receives.
In this step, if recharging result is a successful recharging, then POS sends CREDIT FORLOAD order to subscriber card, and indication subscriber card payment account on the card of stored value card is supplemented (depositing the fund of supplementing amount with money in) with money, and subscriber card supplement with money the operation run succeeded after, process ends; If recharging result is for supplementing failure with money, POS process ends then, and can further return to user terminal and supplement failure information with money.
In flow process shown in Figure 4, the form of GETBALANCE order and response thereof can be with table 1 to shown in the table 3, and the charging request content that POS submits to payment system can be as shown in table 3.Payment system is judged the validity of charging request, comprise: whether the MAC value that comprises in the charging request is correct, whether account balance satisfies charging request (whether enough supplementing with money as the main account remaining sum in the payment system) etc., if it is invalid to be verified as, then returns miscue information and give POS; If be verified as effectively, effectively response is to POS (wherein can comprise the MAC that trade date, exchange hour and payment system generate) then to return charging request, and wherein, the generative process of MAC is:
Payment system generation SESLK (SESLK=pseudo random number (ICC) || stored value card on-line transaction sequence number || ' 8000 '), utilize SESLK that following data encryption is produced MAC (by listed order):
Dealing money (being recharge amount);
The type of transaction sign;
POS machine numbering;
Trade date (payment system);
Exchange hour (payment system).
Preferably, the production method of SESLK is abideed by " China's finance integrated circuit (IC) card electronic wallet/electronic passbook standard second portion: using standard "), the computing mechanism of MAC is abideed by " China's finance integrated circuit (IC) card electronic wallet/electronic passbook standard second portion: using standard ".
Payment system adds 1 with stored value card on-line transaction sequence number (TAC) after successfully having carried out supplementing operation with money, and depositing transaction to POS machine transmission circle and accepting message, wherein portability MAC, trade date (payment system) and exchange hour (payment system).After POS receives this message, send CREDIT FORLOAD order to subscriber card, the message format of CREDIT FOR LOAD order can be as shown in table 4:
Table 4, CREDIT FOR LOAD command message
| Code | Value (16 system) | Explanation |
| CLA | ‘80’ | The message data territory does not have MAC information |
| INS | ‘52’ | " CREDIT FOR LOAD " command id |
| P1 | ‘00’ | No additional parameter information |
| P2 | ‘00’ | No additional parameter information |
| L c | ‘0B’ | The command message data field length |
| Data | See Table 5 | The data field content |
| L e | ‘04’ | Response message data field desired length |
Data (Data) territory of table 5, CREDIT FOR LOAD command message
| Explanation | Length (byte) |
| Trade date | 4 |
| Exchange hour | 3 |
| MAC | 4 |
Accordingly, after subscriber card is received the CREDIT FOR LOAD order of POS transmission, confirm the validity of MAC; If effectively, then subscriber card adds 1 with stored value card on-line transaction sequence number (TAC), and dealing money is added on the remaining sum of stored value card, returns CREDIT FOR LOAD response message then, the data field of this message sees Table 6; If the status code of subscriber card loopback is not ' 9000 ', then transaction stops.
Table 6, CREDIT FOR LOAD response message data field
| Explanation | Length (byte) |
| TAC | 4 |
Preferably, the computing mechanism of TAC is abideed by " China's finance integrated circuit (IC) card electronic wallet/electronic passbook standard second portion: using standard ".Process key mode is not adopted in the calculating of TAC, it with TAC key (16 byte) about the result of 8 byte XORs following data carried out cryptographic calculation produce (by listed order):
Electronic purse balance amount (transaction back);
Stored value card on-line transaction sequence number (before adding 1);
Dealing money;
The type of transaction sign;
POS machine numbering;
Trade date (payment system);
Exchange hour (payment system).
After subscriber card was supplemented with money and finished, further a record that becomes with following data set upgraded transaction details:
Stored value card on-line transaction sequence number;
Dealing money;
The type of transaction sign;
POS machine numbering;
Trade date (payment system);
Exchange hour (payment system).
Referring to Fig. 5, be the schematic flow sheet of supplementing with money by the POS machine in the embodiment of the invention in the air, this flow process is applicable to (U) SIM card (in this flow process above-mentioned card being referred to as subscriber card) in the noncontact user terminal, the type of supplementing with money that subscriber card is current is 3.As shown in the figure, this flow process comprises:
Step 501, after finishing consumer sale with stored value card, POS sends the GETBALANCE order to subscriber card.
After step 502, subscriber card are received this order, the account balance of this stored value card on the inquiring user card, when account balance be lower than setting supplement threshold value with money the time, according to this subscriber card current supplement type with money, generate return message.
In this step, because the current type of supplementing with money is 3 in the subscriber card, then in return message, supplementing the type value with money is 3, and supplementing the threshold value value with money is predefined numerical value, the supplement amount of recharge amount value for determining according to the recharge amount strategy.
Step 503, subscriber card send GET BALANCE response to POS, wherein carry the return message of generation, can comprise subscriber card type, application sequence number in the response message, supplement relevant information such as amount with money, and supplement type identification with money.
The information and executing respective handling that step 504, POS return according to subscriber card.
In this step, because the type of supplementing with money that subscriber card returns is 3, then POS judges needs to carry out aerial recharge procedure.POS also can show this stored value card account balance information on this subscriber card.
Step 505, POS machine are submitted charging request to payment system, the information such as type identification, application sequence number, remaining sum, recharge amount of supplementing with money of portability subscriber card in the request.
Subscriber card in step 506, payment system and the user terminal carries out alternately, carries out the process of supplementing with money in the air.Wherein, payment system execution supplement with money in the operating process and finish supplement operation with money after, according to the type identification of supplementing with money in the recharge request message, send to the subscriber card of user terminal by wireless communication system with supplementing response with money.After if payment system successful recharging, subscriber card receive and supplement response with money, payment account is supplemented (depositing the fund of supplementing amount with money in) with money on the card of this stored value card on this subscriber card.
In flow process shown in Figure 5, the form of GET BALANCE order and response thereof can be with table 1 to shown in the table 3, and the charging request content that POS submits to payment system can be as shown in table 3.The validity of payment system checking charging request comprises: whether the MAC value that comprises in the charging request is correct, whether the main account remaining sum satisfies charging request etc., invalid as if being verified as, and then returns miscue information and gives user terminal (can pass through short message way); If be verified as effectively, then returning charging request effectively responds, this response can data short message (U) SIM card of being dealt on the user terminal of mode (wherein can comprise the MAC that trade date, exchange hour and payment system generate, wherein the generative process of MAC can be as previously mentioned), the message format of this response can be shown in table 7,8.(U) SIM card receives that the processing after this response is same to CREDIT FOR LOAD process of commands, and CREDIT FOR LOAD response is submitted to payment system in the data short message mode, and the message format of this response is as shown in table 9.
The validation verification response message format sample that table 7, payment system send to subscriber card
Table 8, payment system are supplemented the order data of response message with money
Table 9, (U) SIM card are supplemented the order data of response message with money
Referring to Fig. 6, for carrying out the schematic flow sheet of supplementing with money in the air by user terminal in the embodiment of the invention, this flow process is applicable to (U) SIM card (in this flow process above-mentioned card being referred to as subscriber card) in the noncontact user terminal, and the type of supplementing with money that subscriber card is current is 4.As shown in the figure, this flow process comprises:
Step 601, after finishing consumer sale with stored value card, POS sends the GETBALANCE order to subscriber card.
After step 602, subscriber card receive this order, return GET BALANCE response, wherein carry the balance amount information of stored value card to POS.
Step 603, when the account balance of this stored value card on the subscriber card be lower than setting supplement threshold value with money the time, subscriber card generates charging request according to the current type of supplementing with money.
In this step, because to supplement type with money be 4, then in charging request, to supplement the type value with money be 4, supplement the threshold value value with money is predefined numerical value, the supplement amount of recharge amount value for determining according to the recharge amount strategy.
Step 604, user terminal regularly send the STATUS order to subscriber card, so that allow subscriber card return whether to exist the order of needs execution.
Step 605, subscriber card send the 0x91XX response according to the STATUS order to user terminal, show the order that subscriber card has needs to carry out, and data length is XX.
Step 606, user terminal send the FETCH order according to this response to subscriber card, to obtain the order that subscriber card need be carried out.
Step 607, subscriber card send charging request (DATA) according to this order to user terminal.
Step 608, user terminal send terminal response (TERMINALRESPONSE) according to this charging request to subscriber card.
Step 609, user terminal send charging request to payment system.
Subscriber card in step 610, payment system and the noncontact user terminal carries out alternately, carries out the process (promptly by wireless communication system the information in the process of supplementing with money being carried out alternately) of supplementing with money in the air.Wherein, payment system complete successfully supplement operation with money after, the response of supplementing with money that runs succeeded is sent to user terminal; Subscriber card on the user terminal receives after this supplements response with money, and payment account is supplemented (depositing the fund of supplementing amount with money in) with money on the card of this stored value card on this subscriber card.
In flow process shown in Figure 6, the form of GET BALANCE order and response thereof can be with table 1 to shown in the table 3, and (U) SIM card can be as shown in table 7 to the form of the charging request of payment system submission by user terminal.The charging request command message form that user terminal is submitted to payment system can be as shown in table 10 (value of each field can referring to table 3):
The order data of table 10, (U) SIM card charging request message
After payment system is received charging request, the validity of checking charging request, comprise: whether the MAC value that comprises in the charging request is correct, whether the main account remaining sum satisfies charging request etc., invalid as if being verified as, and then returns miscue information and gives user terminal (can pass through short message way); If be verified as effectively, then returning charging request effectively responds, this response can data short message (U) SIM card of being dealt on the user terminal of mode (wherein can comprise the MAC that trade date, exchange hour and payment system generate, wherein the generative process of MAC can be as previously mentioned), the message format of this response can be shown in table 7,8.(U) SIM card is received processing after this response with to CREDIT FOR LOAD process of commands, and response can the data short message mode be submitted to payment system, and the message format of this response is as shown in table 9.
Above Fig. 3, Fig. 4, Fig. 5 and Fig. 6 are that stored value card circle under 1,2,3,4 situations is deposited flow process and is described at the type identification of supplementing with money of subscriber card respectively, supplement the situation that type identification is 0 (do not carry out and supplement with money) with money for subscriber card is current, subscriber card carries in the GET BALANCE response that returns to POS and supplements type identification 0 with money, POS responds according to this, can not initiate the recharge procedure of stored value card, but can show electronic purse balance amount.
In above-mentioned Fig. 4, Fig. 5, flow process shown in Figure 6, losing of up-downgoing message commands may appear.In order to strengthen the robustness of recharge procedure, preferably, the embodiment of the invention is taked following exception handling:
Electronic wallet application on the subscriber card (as smart card or (U) SIM card) writes down this charging request after charging request is sent.Wherein, in Fig. 4 or flow process shown in Figure 5, POS can send to subscriber card with the information of this charging request after payment system sends charging request;
If subscriber card was received and supplemented response accordingly with money after charging request was sent, then the subscriber card execution is supplemented operation with money and is deleted this and supplement the corresponding charging request of operation with money, and preserves the TAC value of a up-to-date recharging payment;
If charging request is received after sending do not supplement response accordingly with money (a kind of situation is that payment system is not carried out this charging request, another kind of situation is a payment system executed charging request, but user terminal is because the response that a variety of causes is not received charging request), in this case, subscriber card can not carried out and supplement operation with money and can not delete corresponding charging request yet.
When triggering recharge procedure once more, the charging request that writes down on the subscriber card is not still for receiving the charging request of payment system response last time, and current TAC value is the TAC value of the up-to-date recharging payment of subscriber card on the subscriber card, at this moment, subscriber card can send to payment system with the charging request information of its record and current TAC value.Wherein, if the current type of supplementing with money of subscriber card is 4, then the charging request information of its record and current TAC value are sent to payment system by wireless communication system; If the current type identification of supplementing with money of subscriber card is 2 or 3, then above-mentioned information and the current type identification of supplementing with money of subscriber card are sent to payment system by POS.
Payment system judges whether to issue again and supplements response with money according to the charging request and the TAC value that receive:
(1) if this charging request is processed, but this TAC value is not to should charging request, show that then this charging request of payment system is treated, but supplementing with money on the subscriber card operated not successful execution, payment system issues again supplements response with money, and subscriber card receives that payment system issues supplements the response back with money and carry out and supplement operation with money and delete this and supplement the corresponding charging request of operation with money.Wherein,, then this is supplemented with money response and send to POS, send to subscriber card by POS if the type identification of supplementing with money that payment system is received is 2; If the type identification of supplementing with money that payment system is received is 3, then supplements this with money response and send to subscriber card by wireless communication system;
(2) if this charging request is not processed, then show payment system this charging request that is untreated, at this moment, this charging request that payment system can notify subscriber card to delete its record also can send the response of this charging request to subscriber card after carrying out this charging request.Wherein, if the type identification of supplementing with money that payment system is received is 2, then with delete command or supplement with money the response send to POS, send to subscriber card by POS; If the type identification of supplementing with money that payment system is received is 3, then with delete command or supplement response with money and send to subscriber card by wireless communication system.
Based on identical technical conceive, the embodiment of the invention also provides a kind of structure of subscriber card, and the structure of this subscriber card can comprise as shown in Figure 7: enquiry module 71, comparison module 72, acquisition module 73, trigger module 74, supplement module 75 with money, wherein:
The supplementing type with money and can comprise foregoing severally of stored value card, the type of subscriber card also can comprise foregoing several: when subscriber card was contact or contact type intelligent card, the type of supplementing with money of stored value card can be to carry out the scene by POS to supplement with money; When subscriber card was (U) SIM card, the type of supplementing with money of stored value card can be to carry out the scene by POS to supplement, receive POS with money and supplement with money in the air or supplement with money in the air by user terminal.
When the type identification of supplementing with money that acquisition module 73 gets access to is represented to be undertaken that the scene is supplemented with money or when representing to supplement with money by POS in the air by POS, trigger module 74 sends this to POS and supplements type identification with money, send charging request to trigger POS to payment system, wherein carry this and supplement type identification with money;
Supplement type identification with money when representing to supplement with money by user terminal in the air when what acquisition module 73 got access to, trigger module 74 sends charging request by wireless communication system to payment system.
Above-mentioned subscriber card also can comprise memory module 76, is used to store the charging request of not receiving response; Trigger module 74 is further used for, and sends the information carry the charging request that memory module 76 write down and the request of the last on-line transaction sequence number of stored value card; Supplementing module 75 with money is further used for, in the response that receives for the charging request corresponding response of described memory module 76 records the time, supplement this charging request of operation and deletion record accordingly with money, wherein, payment system judges that the charging request of this charging request information correspondence is treated, but this charging request and this on-line transaction sequence number issue the response of this charging request again not at once; Perhaps, when the response that receives is delete command, delete this charging request of its record, wherein, payment system is judged transmission delete command when the charging request of this charging request information correspondence is untreated.
In sum, the above embodiment of the present invention allows user flexibility that the type of supplementing with money of subscriber card is set, support simultaneously common smart card and (U) on the SIM card stored value card deposit and supplement with money prompting from moving-coil.At stored value card on (U) SIM card, support simultaneously to supplement with money and supplement with money in the air by user terminal by POS machine scene.In addition, the embodiment of the invention is really supplemented the abnormal conditions (as above the downlink message order is lost) that may occur in the processing procedure with money, has taked to increase whole mechanism of supplementing the process robustness with money.The technical scheme that the embodiment of the invention provided, little to the change of existing procedure, process of exchange safety, reliability height.
Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.
Claims (20)
1. a stored value card recharge method is characterized in that, may further comprise the steps:
After subscriber card uses stored value card to pay by mails by point of sales terminal POS, inquire about the account balance of this above stored value card of subscriber card, and the account balance that inquires and the threshold value of supplementing with money of this stored value card are compared;
If being lower than, the account balance of stored value card supplements threshold value with money, then obtain the type identification of supplementing with money of this subscriber card, and,, initiate corresponding stored value card recharge procedure described stored value card is supplemented with money by the user terminal at POS or this subscriber card place according to the type identification of supplementing with money that gets access to.
2. the method for claim 1, it is characterized in that, described subscriber card is contact or contact type intelligent card, perhaps is universal subscriber identity module usim card or user identification module SIM card, and the described type identification of supplementing with money represents that carrying out the scene by POS supplements with money; By the stored value card recharge procedure that POS initiates, comprising: described subscriber card will be represented to send to POS by the type identification of supplementing with money that POS carries out supplementing with money at the scene; POS sends charging request according to the described type identification of supplementing with money to payment system, and the response of supplementing with money that payment system is returned is sent to described subscriber card;
Perhaps, described subscriber card is usim card or SIM card, and the described type identification of supplementing with money is represented to supplement with money in the air by POS; By the stored value card recharge procedure that POS initiates, comprising: described subscriber card will be represented to send to POS by the type identification of supplementing with money that POS supplements with money in the air; POS sends charging request according to the described type identification of supplementing with money to payment system, wherein carries the described type identification of supplementing with money; Payment system is returned to described subscriber card and is supplemented response with money according to the described type identification of supplementing with money;
Perhaps, described subscriber card is usim card or SIM card, and the described type identification of supplementing with money is represented to supplement with money in the air by user terminal; By the stored value card recharge procedure that user terminal is initiated, comprising: described subscriber card sends charging request by wireless communication system to payment system, receives the response of supplementing with money that payment system returns.
3. method as claimed in claim 2 is characterized in that described subscriber card also records the charging request of not receiving response, and this method also comprises:
Described subscriber card sends the request of the charging request information and the last on-line transaction sequence number of described stored value card that carry its record, and receives this request responding;
If the response of receiving is the supplement response corresponding with this charging request information of its record, then described subscriber card is supplemented this charging request of operation and deletion record accordingly with money; Wherein, payment system judges that the charging request of described charging request information correspondence is treated, but this charging request and described on-line transaction sequence number issue the response of this charging request again not at once;
If the response of receiving is a delete command, then described subscriber card is deleted this charging request of its record; Wherein, payment system is judged when the charging request of described charging request information correspondence is untreated, and sends delete command.
4. method as claimed in claim 3, it is characterized in that, described subscriber card is current supplements type identification with money when representing to supplement with money by POS, described subscriber card will carry the charging request information of its record and the request of the last on-line transaction sequence number of described stored value card sends to POS, send to described payment system by POS;
The described type identification of supplementing with money is when representing to supplement with money in the air by user terminal, and described subscriber card will carry the charging request information of its record by wireless communication system and the request of the last on-line transaction sequence number of described stored value card sends to payment system; And, receive described response by wireless communication system from payment system.
5. as claim 2,3 or 4 described methods, it is characterized in that when the account balance of described stored value card is lower than when supplementing threshold value with money, described subscriber card also is carried on the amount of supplementing with money of described stored value card in the charging request of transmission; Described stored value card supplement the operation of supplementing with money that this subscriber card carries out in the operation with money, comprising: increase the described amount of money of supplementing amount with money in the account of the described stored value card on this subscriber card;
Perhaps, when the account balance of described stored value card is lower than when supplementing threshold value with money, described subscriber card also is carried on the threshold value of supplementing with money of described stored value card account balance on this subscriber card and described stored value card in the described charging request; Described stored value card supplement the operation of supplementing with money that this subscriber card carries out in the operation with money, comprising: calculate described difference of supplementing with money between threshold value and the account remaining sum, increase and this difference equal amount payment in the account of the described stored value card on this subscriber card.
6. a subscriber card comprises the module of supplementing with money that is used to supplement with money operation, it is characterized in that, also comprises:
Enquiry module is used for inquiring about the account balance of this above stored value card of subscriber card after described subscriber card uses stored value card to pay by mails by POS;
Comparison module is used for the account balance of this stored value card and the threshold value of supplementing with money of this stored value card are compared;
Acquisition module, the account balance that is used for when described stored value card is lower than when supplementing threshold value with money, obtains the type identification of supplementing with money of this subscriber card;
Trigger module is used for, initiating corresponding stored value card recharge procedure described stored value card being supplemented with money by the user terminal at POS or this subscriber card place according to the type identification of supplementing with money that gets access to.
7. subscriber card as claimed in claim 6, it is characterized in that, described subscriber card is that contact or contact type intelligent card, the described type identification of supplementing with money are represented to carry out the scene when supplementing with money by POS, perhaps, described subscriber card is that usim card or SIM card, the described type identification of supplementing with money are when representing to supplement with money in the air by POS, described trigger module sends the described type identification of supplementing with money to POS, sends charging request to trigger POS to payment system, wherein carries the described type identification of supplementing with money;
Perhaps, described subscriber card is usim card or SIM card, the described type identification of supplementing with money when representing to supplement with money in the air by user terminal, and described trigger module sends charging request by wireless communication system to payment system.
8. subscriber card as claimed in claim 7 is characterized in that described acquisition module is further used for, and when the account balance of described stored value card is lower than when supplementing threshold value with money, obtains the amount of supplementing with money of described stored value card;
Described trigger module is further used for, and sends the described amount of supplementing with money;
The described module of supplementing with money is further used for, and after the response that receives described charging request, increases the described amount of money of supplementing amount with money in the account of the described stored value card on described subscriber card.
9. subscriber card as claimed in claim 6 is characterized in that described acquisition module is further used for, and when the account balance of described stored value card is lower than when supplementing threshold value with money, obtains the threshold value of supplementing with money of described stored value card account balance and described stored value card;
Described trigger module is further used for, and sends the threshold value of supplementing with money of described stored value card account balance and described stored value card;
The described module of supplementing with money is further used for, and after the response that receives described charging request, increases and this difference equal amount payment in the account of the described stored value card on described subscriber card.
10. as claim 7,8 or 9 described subscriber cards, it is characterized in that, also comprise: memory module is used to store the charging request of not receiving response;
Described trigger module is further used for, and sends the information of the charging request that carries described memory module record and the request of the last on-line transaction sequence number of described stored value card;
The described module of supplementing with money is further used for, in the response that receives for the charging request corresponding response of described subscriber card record the time, supplement this charging request of operation and deletion record accordingly with money, wherein, payment system judges that the charging request of described charging request information correspondence is treated, but this charging request and described on-line transaction sequence number issue the response of this charging request again not at once; Perhaps, when the response that receives is delete command, delete this charging request of its record, wherein, payment system is judged transmission delete command when the charging request of described charging request information correspondence is untreated.
11. a stored value card recharge method is characterized in that, may further comprise the steps:
POS receives the type identification of supplementing with money that the stored value card account balance of subscriber card on this subscriber card is lower than this subscriber card of sending when supplementing threshold value with money;
POS supplements type identification with money according to this, initiates corresponding stored value card recharge procedure to payment system described stored value card is supplemented with money.
12. method as claimed in claim 11 is characterized in that, the described type identification of supplementing with money represents that carrying out the scene by POS supplements with money; The stored value card recharge procedure of initiating comprises:
POS sends charging request according to the described type identification of supplementing with money that receives to payment system, wherein carries the described type identification of supplementing with money;
Payment system is carried out stored value card according to this charging request and is supplemented operation with money, and supplements type identification returns response from this charging request to POS with money according to described;
POS responds according to this, indicates described subscriber card to carry out stored value card and supplements with money;
The described type identification of supplementing with money is represented to supplement with money in the air by POS; The stored value card recharge procedure of initiating comprises:
POS sends charging request according to the described type identification of supplementing with money that receives to payment system, wherein carries this and supplements type identification with money;
Payment system is carried out stored value card according to this charging request and is supplemented operation with money, and supplements type identification with money according to this, returns the response of this charging request by wireless communication system to described subscriber card, carries out the operation of supplementing with money of stored value card with the indication subscriber card.
13. method as claimed in claim 12 is characterized in that, also carries the amount of supplementing with money of described stored value card in the described charging request; The stored value card that payment system is carried out is supplemented operation with money, comprising: the described amount of money of supplementing amount with money of deduction in the account of described stored value card from it;
Perhaps, also carry the threshold value of supplementing with money of described stored value card account balance and described stored value card in the described charging request; The stored value card that payment system is carried out is supplemented operation with money, comprising: calculate described difference of supplementing with money between threshold value and the account remaining sum, deduction and this difference equal amount payment the account of the described stored value card on payment system.
14., it is characterized in that POS also receives the charging request that carries described subscriber card and the request of on-line transaction sequence number, sends to payment system, and the response that payment system is returned is sent to described subscriber card as claim 12 or 13 described methods; Wherein, described charging request is described subscriber card charging request record, that do not receive respective response, and described on-line transaction sequence number is the last on-line transaction sequence number of the described stored value card of described subscriber card record;
If payment system judges that according to described request described charging request is treated, but this charging request is not corresponding with described on-line transaction sequence number, then issue the response of this charging request again, supplement this charging request of operation and deletion record with the indication subscriber card accordingly with money;
If payment system judges that according to described request described charging request is untreated, then notify subscriber card to delete this charging request of its record; Perhaps, supplement operation with money, and send the response of this charging request, supplement operation accordingly with money to indicate described subscriber card to described subscriber card according to this charging request.
15. a stored value card charging system is characterized in that, comprising:
POS is used to receive the type identification of supplementing with money that the electronic purse balance amount of subscriber card on this subscriber card is lower than this subscriber card of sending when supplementing threshold value with money, sends charging request according to the described type identification of supplementing with money, wherein carries the described type identification of supplementing with money; And, receive the response of returning of supplementing with money, and supplement response with money according to this and supplement indication accordingly with money to described subscriber card transmission;
Payment system is used to receive described charging request and supplements processing with money, according to the described type identification of supplementing with money, returns to POS or described subscriber card and to supplement response with money.
16. system as claimed in claim 15 is characterized in that, the described type identification of supplementing with money represents that carrying out the scene by POS supplements with money, and described payment system is returned the described response of supplementing with money according to the described type identification of supplementing with money to POS;
The described type identification of supplementing with money is represented to supplement with money in the air by POS, and described payment system is according to describedly supplementing type identification with money, returning to described subscriber card by wireless communication system and supplement response with money.
17. system as claimed in claim 15 is characterized in that, also carries the amount of supplementing with money of described stored value card in the charging request that described POS receives;
When described payment system is supplemented with money, the described amount of money of supplementing amount with money of deduction in the account of described stored value card from it.
18. system as claimed in claim 15 is characterized in that, also carries the threshold value of supplementing with money of described stored value card account balance and described stored value card in the charging request that described POS receives;
When described payment system is supplemented with money, calculate described difference of supplementing with money between threshold value and the account remaining sum, then deduction and this difference equal amount payment in the account of described stored value card from it.
19. system as claimed in claim 15 is characterized in that, described payment system also is used for:
Reception carries the request of the charging request information and the on-line transaction sequence number of described subscriber card, described charging request is the charging request that described memory module write down, do not receive respective response, and described on-line transaction sequence number is the last on-line transaction sequence number of the described stored value card of described subscriber card record;
If judge that according to described request described charging request is treated, but this charging request is not corresponding with described on-line transaction sequence number, then issues the response of this charging request again, supplements this charging request of operation and deletion record accordingly with money with the indication subscriber card;
If judge that according to described request described charging request is untreated, then notify subscriber card to delete this charging request of its record; Perhaps, supplement operation with money, and send the response of this charging request, supplement operation accordingly with money to indicate described subscriber card to described subscriber card according to this charging request.
20. system as claimed in claim 19 is characterized in that, described payment system receives described request from POS or by wireless communication system from described subscriber card; Wherein, POS receives described request and sends to described payment system from described subscriber card;
Described payment system also carries expression and carries out the type identification of supplementing with money that the scene supplements with money by POS from the request that POS receives, described payment system identifies according to the type, and described response is sent to POS, and described POS sends to described subscriber card with described response; Perhaps, described payment system also carries the type identification that expression is supplemented with money by POS in the air from the request that POS receives, and described payment system identifies according to the type, and described response is sent to described subscriber card by wireless communication system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100914971A CN101996442A (en) | 2009-08-25 | 2009-08-25 | Method, device and system for recharging electronic purse |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2009100914971A CN101996442A (en) | 2009-08-25 | 2009-08-25 | Method, device and system for recharging electronic purse |
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| Publication Number | Publication Date |
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| CN101996442A true CN101996442A (en) | 2011-03-30 |
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|---|---|---|---|
| CN2009100914971A Pending CN101996442A (en) | 2009-08-25 | 2009-08-25 | Method, device and system for recharging electronic purse |
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| CN102999841A (en) * | 2011-09-08 | 2013-03-27 | 深圳市移卡科技有限公司 | Mobile payment system |
| CN103985040A (en) * | 2014-05-24 | 2014-08-13 | 中国科学院新疆理化技术研究所 | Mobile phone wallet recharging system and operation method thereof |
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| CN105389903A (en) * | 2015-12-09 | 2016-03-09 | 定远县创新科技服务园 | Intelligentized globally-functional money machine commonly used worldwide |
| CN105488677A (en) * | 2015-12-09 | 2016-04-13 | 定远县创新科技服务园 | Global universal electronic token certificate |
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| CN106204012A (en) * | 2016-07-04 | 2016-12-07 | 中国银联股份有限公司 | Electronic cash off line method of payment and system |
| WO2017128371A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Information pushing method during credit card balance monitoring and smart prompting system |
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| CN102881091A (en) * | 2012-07-25 | 2013-01-16 | 北京数码视讯软件技术发展有限公司 | Device, method and system for controlling load credit over air, and user terminal |
| CN102881091B (en) * | 2012-07-25 | 2015-03-25 | 北京数码视讯软件技术发展有限公司 | Device, method and system for controlling load credit over air, and user terminal |
| WO2015070730A1 (en) * | 2013-11-12 | 2015-05-21 | 中国银联股份有限公司 | Offline loading method and system for electronic cash of ic card |
| CN103985040A (en) * | 2014-05-24 | 2014-08-13 | 中国科学院新疆理化技术研究所 | Mobile phone wallet recharging system and operation method thereof |
| CN105389903A (en) * | 2015-12-09 | 2016-03-09 | 定远县创新科技服务园 | Intelligentized globally-functional money machine commonly used worldwide |
| CN105488677A (en) * | 2015-12-09 | 2016-04-13 | 定远县创新科技服务园 | Global universal electronic token certificate |
| CN105741104A (en) * | 2016-01-25 | 2016-07-06 | 恒宝股份有限公司 | Offline transaction apparatus and method based on offline transaction apparatus |
| CN105741104B (en) * | 2016-01-25 | 2020-12-22 | 恒宝股份有限公司 | Off-line transaction device and method based on same |
| WO2017128370A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Method for collecting statistics about data of credit card balance monitoring technology, and smart prompting system |
| WO2017128371A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Information pushing method during credit card balance monitoring and smart prompting system |
| WO2017128372A1 (en) * | 2016-01-30 | 2017-08-03 | 郭子明 | Method for prompting credit card balance matching information and intelligent prompting system |
| CN105787727A (en) * | 2016-02-24 | 2016-07-20 | 恒宝股份有限公司 | HCE offline payment system and realization method |
| CN106203997A (en) * | 2016-06-21 | 2016-12-07 | 东信和平科技股份有限公司 | A kind of electronic purse recharging method and system |
| CN106204012A (en) * | 2016-07-04 | 2016-12-07 | 中国银联股份有限公司 | Electronic cash off line method of payment and system |
| CN109214799A (en) * | 2017-07-04 | 2019-01-15 | 优信数享（北京）信息技术有限公司 | A kind of recharge method, device and the platform with charging function |
| CN107993060A (en) * | 2017-12-25 | 2018-05-04 | 北京奇虎科技有限公司 | Online transaction pays control method, system and terminal device |
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| CN116228225B (en) * | 2023-05-09 | 2023-07-14 | 万联易达物流科技有限公司 | Matching method and system for automatic matching wallet by online recharging |
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Application publication date: 20110330 |