CN102592218A - Method and system for realizing debit card transaction by mobile phone - Google Patents
Method and system for realizing debit card transaction by mobile phone Download PDFInfo
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- CN102592218A CN102592218A CN2011104583015A CN201110458301A CN102592218A CN 102592218 A CN102592218 A CN 102592218A CN 2011104583015 A CN2011104583015 A CN 2011104583015A CN 201110458301 A CN201110458301 A CN 201110458301A CN 102592218 A CN102592218 A CN 102592218A
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- mobile phone
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Abstract
The invention discloses a method and system for realizing debit card transaction by a mobile phone. The method comprises the following steps of: transmitting transaction information and unique identification information stored in a mobile phone card to a transaction information switching server; judging and identifying the unique identification information and recorded data of a mobile network operator by using the transaction information switching server; if the unique identification information is correct, switching the correct unique identification information into a mobile phone number and transmitting the mobile phone number and the transaction information to a bank withholding system; and enabling the bank withholding system to find out a debit card bound with the mobile phone number in a recorded database so as to finish the withholding of the debit card. The transaction method disclosed by the invention has the advantages of convenience in operation, simple steps and no need of operation using STK (Satellite Tool Kit) payment application program and other third-party softwares. The system disclosed by the invention has the advantages of simple structure and low cost.
Description
Technical field
The present invention relates to bank card transaction method and system, be specially a kind of method and system that realize bank card business dealing through mobile phone.
Background technology
Along with development of Communication Technique; Especially the fast development of high-speed radiocommunication 3G, 4G technology; Traditional relatively wire communication position relative fixed, radio communication has flexibly, the advantage of no space constraint, therefore uses radio communication can progressively replace the business that tradition uses wire communication to carry out.As: use at present that Web bank transfers accounts, shopping at network, diverse network consumption such as supplement with money, pay the fees; Has quick and easy advantage though pay in cash relatively; But it must depend on computing machine, especially when bank settlement, also must use the authentication information such as digital certificate of banking recognition; Therefore must carry computing machine and bank card digital certificate, otherwise also can't realize the transaction of Web bank.
Development along with mobile phone; The use mobile phone realizes that through the mode of radio communication the bank card payment embodies the superiority of its " at any time, everywhere "; Realize the dual mode that mainly contains of mobile-phone payment at present now: the one, write in the mobile phone through the magnetic track information or the required key information of bank transaction of customization mobile phone bank card; Through transmitting magnetic track information and key information, accomplish the transaction that is similar to bank card, in the method to appointed bank; Used mobile phone must be the mobile phone that is customized with bank; With the modern the personalized demand of mobile phone is disagreed fully, this scheme often can only write the magnetic track information of a tame bank simultaneously, can not satisfy the demand that present user uses how tame bank to pay.The 2nd, deposit payment through the stored value card circle, this mode is that the user passes through rechargeable card, or the form of supplementing with money on the line directly supplements with money in cell-phone number, is that trade company carries out collection charges by mobile phone operators then, promptly from cell-phone number, takes off expense.This mode makes mobile phone operators have ultra scope to manage the suspicion of financial business; And can't realize big amount payment (such as: China Mobile's mobile-phone payment); A kind of big or small amount of money payment system and method for the RF-SIM of employing card mobile phone disclosed for the Chinese patent of CN102208070A in open day; Be provided with wireless near field communication element, stored value card and STK payment application in the used RF-SIM card of this system, in stored value card, store a unique account number.Use this payment system; Must be that the user uses the STK payment application in the mobile phone open RF-SIM card earlier; Trade company uses the TD-SCDMA cash receiving terminal to read the account number of stored value card and the information of user's input then, and the TD-SCDMA cash receiving terminal is sent to affirmation and the clearing work that payment information is accomplished in China Mobile bank card paying centre with the information that reads.Deficiency below the disclosed system and method for this patent exists: the 1.RF-SIM card is provided with stored value card and STK payment application; Make in the RF-SIM card store information too much; In addition, also must let the user open STK payment application, input validation information earlier before the transaction; Make operation steps become complicated, reduced the efficient of transaction; 2. used TD-SCDMA cash receiving terminal also must in establish a TD-SCDMA mobile phone, need the cost of extra increase cash receiving terminal; 3. also there is the work of carrying out relevant payment and clearing through China Mobile bank card paying centre according to confirmation and payment information in this method; Only in the block trade process, just bank card password is dealt into issuing bank and confirms the back payment by the transfer of accounts; And in penny ante, directly accomplish money transfer transactions by China Mobile bank card paying centre; Not only there is potential safety hazard in this step, and very the person possibly violate the relevant regulations of bank card business dealing.
Summary of the invention
The object of the invention is to overcome the deficiency of above-mentioned prior art and a kind of method through mobile phone realization bank card business dealing is provided, and this method may further comprise the steps:
1) mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the mobile phone card;
2) the Transaction Information adapter coupling servers is judged identification to said unique identification information; If this unique identification information mistake then returns this error message to mobile phone; If this unique identification information correctly then converts described unique identification information into the cell-phone number of said mobile phone, and this cell-phone number and Transaction Information be sent to the system that withholds of bank;
3) bank's system looks of withholing goes out the bank card of binding with said cell-phone number, accomplishes this row card withholdd closing the transaction.
In technique scheme, said mobile phone card is the SIM of band RFID, the UIM card of band RFID or the usim card of band RFID.
Further, said Transaction Information reads through the POS or the MIS terminal of band RFID reading device with the unique identification information that is stored among the RFID, and the information after POS or MIS terminal will be read is sent to the Transaction Information adapter coupling servers.
Further, said unique identification information uses two magnetic track information ciphered data information.
The present invention also provides a kind of system through mobile phone realization bank card business dealing, and this system comprises:
Mobile phone is used for the unique identification information that Transaction Information and mobile phone card store is sent to the Transaction Information adapter coupling servers;
The Transaction Information adapter coupling servers; Be used to receive said Transaction Information and unique identification information, and said unique identification information is judged identification, the unique identification information of mistake is returned mobile phone; Convert correct unique identification information the cell-phone number of said mobile phone into, and this cell-phone number is sent;
The system that withholds of bank receives the cell-phone number that said Transaction Information adapter coupling servers is sent, and seeks the bank card that cell-phone number is bound, and accomplishes withholing to this bank card.
In said system, said mobile phone card is the SIM of band RFID, the UIM card of band RFID or the usim card of band RFID.
Further, said unique identification information is stored among the described RFID.
Comprise also in the said system that this system also comprises the POS or the MIS terminal of band RFID reading device, be used for reading the unique identification information that Transaction Information and mobile phone card store, and the information after will reading is sent to the Transaction Information adapter coupling servers.
In the said system, said unique identification information is to use two magnetic track information ciphered data information.
The present invention will accomplish the binding of following information: at first; Store unique identification information among the RFID in the SIM that all has RFID, UIM card or usim card; Locate the unique corresponding binding of this unique identification information and the cell-phone number of this SIM, UIM card or usim card in mobile communication carrier, and completion is put on record at the mobile operator place.Then,, and accomplish in bank and to put on record of the corresponding binding of this cell-phone number in bank with bank card.
The process of concluding the business with the present invention is following: trade company uses the POS or the MIS terminal of band RFID read head to read the unique identification information that is stored among the RFID; And the usual required Transaction Information of process of exchange; Then information that reads and Transaction Information are sent to the Transaction Information adapter coupling servers; Transaction Information adapter coupling servers judgement Transaction Information adapter coupling servers is judged identification to said unique identification information; If this unique identification information mistake then returns this error message to mobile phone,, and this cell-phone number and Transaction Information be sent to the system that withholds of bank if this unique identification information correctly then converts described unique identification information into cell-phone number; The corresponding bank card of binding of cell-phone number is sought by the system that withholds of bank in this case database, accomplish withholing to this bank card according to dealing money.
The present invention has the following advantages:
1, method of commerce of the present invention only needs to be stored in unique identification information among the RFID and is sent to the Transaction Information adapter coupling servers and carries out authentication and get final product; Other Transaction Information is the same with existing POS terminal transaction; Easy to operate; Step is simple, need not to use the operation of STK payment application and other third party software.
2, system of the present invention is simple, compares prior art, only only needs in POS or MIS terminal, to increase the device that reads RFID information and gets final product.Compare with extra increase TD-SCDMA mobile phone in the cash receiving terminal in the prior art, native system is not only simple in structure, and with low cost.
Description of drawings
Fig. 1 realizes the method flow diagram of bank card business dealing through mobile phone for the present invention.
Fig. 2 is for realizing the system architecture diagram of bank card business dealing through mobile phone.
Embodiment
Below in conjunction with accompanying drawing and specific embodiment the present invention is further described.
As shown in Figure 1, realize that through mobile phone the method for bank card business dealing may further comprise the steps:
S101: mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the mobile phone card.Wherein, present embodiment is will be stored in the unique identification information among the mobile phone card RFID through the POS or the MIS terminal of being with the RFID reading device, then the information of reading is sent to the Transaction Information adapter coupling servers through wired or wireless channel.
S102: the Transaction Information adapter coupling servers is judged identification to said unique identification information and the data that go out to put on record at mobile operator, if this unique identification information mistake then returns this error message to mobile phone, if this unique identification information correctly then carries out next step.
S103: the Transaction Information adapter coupling servers converts said correct unique identification information into cell-phone number.
S104: this cell-phone number and Transaction Information are sent to the system that withholds of bank.
S105: the bank card of binding with cell-phone number is sought out by the system that withholds of bank in the database of putting on record, accomplishes withholing or transferring accounts, closing the transaction this bank card.
As shown in Figure 2, realize that through mobile phone the system architecture of bank card business dealing comprises the system 204 that withholds of mobile phone 201, POS terminal 202, Transaction Information adapter coupling servers 203 and bank.
Transaction Information adapter coupling servers 203 receives Transaction Information and the unique identification information that send at POS terminal 202; And the data message that unique identification information and mobile communication carrier put on record judged identification, if this then is back to mobile phone 201 with the unique identification information mistake; Then convert unique identification information into its corresponding cell-phone number of binding if this unique identification information is correct, and this cell-phone number and Transaction Information thereof are sent to the system 204 that withholds of bank.
The system 204 that withholds of bank receives cell-phone number and the Transaction Information thereof that Transaction Information adapter coupling servers 203 is sent, and in the filing database of bank, seeks the corresponding bank card of binding of cell-phone number, to withholing of this bank card, accomplishes transaction.As required, bank withhold system 204 can also with the transaction details be sent to mobile phone 201.
For the safety that guarantees to conclude the business, used unique identification information all uses two magnetic track informations to encrypt among the present invention.
System architecture of the present invention is simple, only needs writing in unique identification information in the RFID of RF-SIM, RF-UIM, RF-USIM card, and carries out the corresponding binding of cell-phone number and unique identification information in mobile communication carrier, and completion is put on record in the data of mobile operator.Simultaneously cell-phone number and bank card are carried out corresponding binding, and accomplish and put on record in the data of bank.Whether through 203 pairs of cell-phone numbers of Transaction Information adapter coupling servers and unique identification information is thereby that the information of corresponding binding is judged the authentication that realizes cell-phone number consumption; And the cell-phone number through authentication is sent to the system 204 that withholds of bank, bank's bank cards that system 204 directly binds according to this cell-phone number transaction such as deduct fees, transfer accounts of withholing.
Claims (10)
1. the method through mobile phone realization bank card business dealing is characterized in that, may further comprise the steps:
1) mobile phone is sent to the Transaction Information adapter coupling servers with the unique identification information that stores in Transaction Information and the mobile phone card;
2) the Transaction Information adapter coupling servers is judged identification to said unique identification information; If this unique identification information mistake then returns this error message to mobile phone; If this unique identification information correctly then converts described unique identification information into the cell-phone number of said mobile phone, and this cell-phone number and Transaction Information be sent to the system that withholds of bank;
3) bank's system looks of withholing goes out the bank card of binding with said cell-phone number, accomplishes this row card withholdd closing the transaction.
2. according to the said method through mobile phone realization bank card business dealing of claim 1, it is characterized in that: said mobile phone card is the SIM of band RFID, the UIM card of band RFID or the usim card of band RFID.
3. according to the said method through mobile phone realization bank card business dealing of claim 2, it is characterized in that: said unique identification information is stored among the RFID.
4. according to the said method that realizes bank card business dealing through mobile phone of claim 3; It is characterized in that: said Transaction Information reads through the POS or the MIS terminal of band RFID reading device with the unique identification information that is stored among the RFID, and the information after POS or MIS terminal will be read is sent to the Transaction Information adapter coupling servers.
5. according to the said method through mobile phone realization bank card business dealing of each claim of claim 1～4, it is characterized in that: said unique identification information is to use two magnetic track information ciphered data information.
6. the system through mobile phone realization bank card business dealing is characterized in that, comprising:
Mobile phone is used for the unique identification information that Transaction Information and mobile phone card store is sent to the Transaction Information adapter coupling servers;
The Transaction Information adapter coupling servers is used to receive said Transaction Information and unique identification information, and said unique identification information is judged identification, and the unique identification information of mistake is returned mobile phone; Convert correct unique identification information the cell-phone number of said mobile phone into, and this cell-phone number is sent;
The system that withholds of bank receives the cell-phone number that said Transaction Information adapter coupling servers is sent, and seeks the bank card of binding with cell-phone number, accomplishes withholing to this bank card.
7. according to the said system through mobile phone realization bank card business dealing of claim 6, it is characterized in that: said mobile phone card is the SIM of band RFID, the UIM card of band RFID or the usim card of band RFID.
8. according to the said system through mobile phone realization bank card business dealing of claim 7, it is characterized in that: said unique identification information is stored among the described RFID.
9. the said according to Claim 8 system that realizes bank card business dealing through mobile phone; It is characterized in that: this system also comprises band RFID reading device POS or MIS terminal; Be used for reading the unique identification information that Transaction Information and mobile phone card store, and the information after will reading is sent to the Transaction Information adapter coupling servers.
10. according to the described method through mobile phone realization bank card business dealing of each claim of claim 6～9, it is characterized in that: said unique identification information is to use two magnetic track information ciphered data information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104583015A CN102592218A (en) | 2011-12-31 | 2011-12-31 | Method and system for realizing debit card transaction by mobile phone |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN2011104583015A CN102592218A (en) | 2011-12-31 | 2011-12-31 | Method and system for realizing debit card transaction by mobile phone |
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| Publication Number | Publication Date |
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| CN102592218A true CN102592218A (en) | 2012-07-18 |
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| Application Number | Title | Priority Date | Filing Date |
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| CN2011104583015A Pending CN102592218A (en) | 2011-12-31 | 2011-12-31 | Method and system for realizing debit card transaction by mobile phone |
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| CN103810595A (en) * | 2014-01-26 | 2014-05-21 | 小米科技有限责任公司 | Information verification method and device |
| JP2018206430A (en) * | 2013-06-26 | 2018-12-27 | ボク インコーポレイテッド | Phone-on-file |
| CN111932697A (en) * | 2020-07-24 | 2020-11-13 | 广东交通职业技术学院 | Expressway network charging control system, method, equipment and storage medium |
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Application publication date: 20120718 |