CN102892096B

CN102892096B - System, method, business operation support system (BOSS) and equipment for realizing account recharge

Info

Publication number: CN102892096B
Application number: CN201110202478.9A
Authority: CN
Inventors: 王萍; 张彪; 罗健; 张雨廷; 郭漫雪
Original assignee: China Mobile Communications Group Co Ltd
Current assignee: China Mobile Communications Group Co Ltd
Priority date: 2011-07-19
Filing date: 2011-07-19
Publication date: 2015-04-22
Anticipated expiration: 2031-07-19
Also published as: CN102892096A

Abstract

The invention discloses a system and a method for realizing account recharge, for solving the problem of incapability of realizing mutual recharge between a payment background account of an agent and a payment business account of a user by adopting the prior art. The system comprises a POS (Point of Sale) business platform, a BOSS and a central payment platform, wherein the POS business platform is used for receiving POS identification, recharge limit information, recharge type information and user card identification, determining user identification corresponding to the user card identification and agent identification corresponding to the POS identification, and sending the recharge limit information, the recharge type information, the user identification and the agent identification to the BOSS; the BOSS is used for determining the payment background account of a user and the payment background account of the agent, and sending the recharge type information, the recharge limit information, the payment background account of the user and the payment background account of the agent to the central payment platform; and the central payment platform is used for adjusting amount information of the payment background account of the user and the payment background account of the agent. The invention further discloses the BOSS and POS business platform equipment.

Description

Realize the system of account charging, method, business operation support system and equipment

Technical field

The present invention relates to communication technical field, particularly relate to a kind of system, method, business operation support system and the equipment that realize account charging.

Background technology

Along with the development of mobile communication technology, the mobile payment services such as mobile phone wallet business are more and more universal.Wherein, for mobile phone wallet business, it is the small electronic wallet business based on radio RF recognition technology (RFID, Radio Frequency IDentification) of Mobile Network Operator exploitation.User is after opening mobile phone wallet business, a mobile phone wallet card can be changed (usually in Mobile Network Operator business hall, here mobile phone wallet card can be, but not limited to special SIM card, normal integrated circuit card (IC-card, Integrated Circuit Card), paste card etc. into supporting RFID function).After this, user utilizes the terminal (as mobile phone) being provided with this special SIM card, businessman's (such as convenience store, market, supermarket, public transport) that just can be placed with point-of-sale terminal (POS, Point Of Sale) at cloth carries out scene and to swipe the card (brush machine) consumption.

The user opening mobile phone wallet business has a mobile phone wallet card local account.When using mobile phone wallet card local account, needing in mobile phone wallet card local account, to be filled with certain amount of money in advance, then just can perform by " brush machine " mode of the similar POS of utilization brush mass transit card operations such as buying article.Similar, when user opens other mobile payment services except mobile phone wallet business, also can correspondingly have one or more account, these accounts can be referred to as user's payment transaction account.Usually, user's payment transaction account comprises card local account (such as mobile phone wallet card local account and the local account opening other mobile payment services and produce all can regard card local account as) and user pays background account.

User's payment transaction account of user and the credit account of user are different.In the prior art, existing very ripe system support is that the credit account of user is supplemented with money.Process to telephone expenses account charging is completed by agent for user, this process is exactly by user, agent and business operation support system (BOSS based on one, Business & Operation Support System) the very ripe system that forms completes, its specific implementation schematic diagram as shown in Figure 1, comprises the steps:

Step 11, user pays telephone expenses at agent place;

Step 12, agent is by interactive voice answering (IVR, Interactive Voice Response)/short message mode initiates aerial charging request to BOSS, and comprise subscriber phone number, agent's phone number in this aerial charging request, supplement amount etc. with money;

Step 13, after BOSS receives aerial charging request, according to agent's phone number and supplement amount with money, reduce from agent's telephone expenses account and supplement the corresponding amount of money of amount with money with this, and according to subscriber phone number and supplement amount with money, the telephone expenses account to user is filled with this and supplements the corresponding amount of money of amount with money;

Step 14, BOSS returns successful recharging by IVR/ short message mode and responds to agent;

Step 15, agent is after receiving successful recharging response, and prompting user successful recharging, flow process terminates.

The flow process that the credit account that namely above-mentioned steps is embodied as user by agent is supplemented with money.But, for user's payment transaction account, because agent cannot know the corresponding relation of the special SIM card that user uses and user's payment transaction account, BOSS also only knows agent's credit account and does not know that agent pays background account simultaneously, therefore, above-mentioned steps is not suitable for the scene that agent's utilize agent to pay user's payment transaction account that background account is user carries out supplementing with money.Based on identical reason, above-mentioned steps is not suitable for yet and utilizes user's payment transaction account of user to pay the scene that background account supplements with money for agent.

Summary of the invention

The embodiment of the present invention provides a kind of system and method realizing account charging, adopts prior art cannot realize agent pay the problem of mutually supplementing with money between background account and user's payment transaction account in order to solution.

The embodiment of the present invention also provides a kind of BOSS and POS service platform equipment.

The embodiment of the present invention is by the following technical solutions:

Realize a system for account charging, comprise POS service platform, business operation support system BOSS and center payment platform, wherein:

POS service platform, for receiving POS mark that POS sends, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads, and from the subscriber card mark prestored with the corresponding relation of user ID, determine to identify corresponding user ID with the subscriber card that POS sends, and from the corresponding relation that the POS mark stored and agent identify, determine that identifying corresponding agent with the POS that POS sends identifies; And by supplementing amount information with money, supplement type information and the user ID determined and agent's mark with money and send to business operation support system BOSS; BOSS, for paying in the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that POS service platform sends pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that POS service platform sends pays background account; And by supplementing type information with money, supplement amount information and the user that determines with money and pay background account and agent and pay background account and send to center payment platform; Center payment platform, for according to supplementing type information with money, supplement amount information with money, adjust the described user determined and pay background account and agent and pay amount information in background account.

Optionally, center payment platform specifically comprises: supplement policy determining unit with money, for supplementing type information with money from what prestore and supplement with money in the corresponding relation of strategy, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And supplement performance element with money, for when supplement that policy determining unit determines with money supplement with money strategy for utilize agent pay background account for user pay background account supplement with money time, perform and pay deduction background account from the agent determined and supplement the amount of money corresponding to amount information with money with described, pay in background account the operation increasing the described corresponding amount of money the user determined; When supplement that policy determining unit determines with money supplement with money strategy for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, perform and pay background account the amount of money deducting described correspondence, the operation paying in background account the amount of money increasing described correspondence the user determined from the agent determined; And pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and execution pays background account the amount of money deducting described correspondence, the operation increasing the amount of money of described correspondence in the mapping account determined from the user determined; When supplement that policy determining unit determines with money supplement with money strategy for utilize the user of user pay background account for agent pay background account supplement with money time, perform and pay deduction background account from the user determined and supplement the amount of money corresponding to amount information with money with described, pay in background account the operation increasing the described corresponding amount of money the agent determined; When supplement that policy determining unit determines with money supplement with money strategy for utilize the card local account of user for agent pay background account supplement with money time, pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and perform the operation of deducting the amount of money of described correspondence from the mapping account determined; And execution is determining that agent pays in background account the operation of the amount of money increasing described correspondence.

Optionally, described system also comprises POS, and when determine supplement with money strategy for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, POS specifically comprises: mark reading unit, for reading subscriber card mark from subscriber card; Information obtainment unit, supplementing amount information with money for obtaining, supplementing type information with money; Information transmitting unit, sends to POS service platform for identifying the POS of POS self, identifying the subscriber card mark of reading unit reading, the amount information of supplementing with money of information obtainment unit acquisition and supplement type information with money; Recharging result receiving element, for after payment platform execution in center increases the operation of the amount of money of described correspondence in the mapping account determined, what receiving center payment platform sent is used to indicate the recharging result that agent pays current amount information in background account and described mapping account; Checking request transmitting unit, for after recharging result receiving element receives described recharging result, sends checking request to described subscriber card; Random number receiving element, for receiving the random number of the checking request feedback that described subscriber card sends according to checking request transmitting unit; Verification code information generation unit, for the random number received according to random number receiving element and the identifying code generating algorithm of arranging with described subscriber card in advance, generates the first verification code information and sends to described subscriber card; Acknowledge message receiving element, for receive described subscriber card compare the first verification code information and described subscriber card that verification code information generation unit sends according to the second verification code information that described random number and described algorithm generate mate consistent send afterwards be verified acknowledge message; Updating block, for the described recharging result received according to recharging result receiving element, upgrades the amount information in the card local account stored in described subscriber card.

Optionally, described center payment platform specifically comprises:

Information obtainment unit, for obtaining the verification code information that POS reads from described subscriber card; Information determination unit, for paying in the corresponding relation of background account and verification code information from the user prestored, determines to pay verification code information corresponding to background account with the described user determined; Comparing unit, whether the verification code information determined for comparison information determining unit mates consistent with the verification code information that information obtainment unit obtains; Amount of money adjustment unit, during for the comparative result that obtains at comparing unit for being, according to supplementing type information with money, supplementing amount information with money, adjusting the described user determined and paying background account and agent and pay amount information in background account.

Optionally, described system also comprises POS, and POS specifically comprises:

Request message transmitting element, for sending the Card Reader request message carrying and read key to subscriber card; Card reading unit, for after the notification message of permission POS Card Reader receiving described subscriber card feedback, read described subscriber card mark, wherein, the notification message of described permission POS Card Reader sends after subscriber card judges to include in the reading key of the POS of the Card Reader authority had self prestored the reading key carried in the Card Reader request message that request message transmitting element sends; Information obtainment unit, supplementing amount information with money for obtaining, supplementing type information with money; Transmitting element, for identifying the POS of POS self, the amount information of supplementing with money that obtains of subscriber card mark that card reading unit reads, information obtainment unit and supplement type information with money and send to POS service platform.

Realize a method for account charging, comprising:

The subscriber card mark that POS service platform receives POS mark that point-of-sale terminal POS sends, supplements amount information with money, supplements type information with money, POS reads; POS service platform identifies the corresponding relation with user ID from the subscriber card prestored, determine to identify corresponding user ID with the subscriber card that POS sends, and from the corresponding relation that the POS mark stored and agent identify, determine that identifying corresponding agent with the POS that POS sends identifies; POS service platform by supplementing amount information with money, supplement type information and the user ID determined and agent's mark with money and send to business operation support system BOSS; BOSS pays the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that POS service platform sends pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that POS service platform sends pays background account; BOSS by supplementing type information with money, supplement amount information and the user that determines with money and pay background account and agent and pay background account and send to center payment platform; Center payment platform, according to supplementing type information with money, supplementing amount information with money, adjusts the described user determined and pays background account and agent and pay amount information in background account.

A kind of POS service platform equipment, comprising: receiving element, for receiving POS mark that POS sends, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads; Determining unit, for in the corresponding relation from the subscriber card mark prestored and user ID, determine the user ID of the subscriber card mark correspondence that receiving element receives, and from the corresponding relation that the POS mark stored and agent identify, determine agent's mark of the POS mark correspondence that receiving element receives; Transmitting element, for receiving element is received amount information of supplementing with money, supplement user ID that type information and determining unit determine with money and agent's mark sends to business operation support system BOSS.

A kind of business operation support system, comprising: receiving element, for receiving amount information of supplementing with money that POS service platform sends, supplementing type information, user ID, agent's mark with money; Determining unit, for paying in the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that receiving element receives pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that receiving element receives pays background account; Transmitting element, pays background account for the user supplementing type information with money, supplement the determination that amount information and determining unit are determined with money received by receiving element, agent pays background account and send to center payment platform.

The beneficial effect of the embodiment of the present invention is as follows:

The POS mark that the such scheme that the embodiment of the present invention provides is sent according to POS by POS service platform determines that agent identifies, user ID is determined according to the subscriber card mark that POS sends, and agent's mark and user ID are supplied to BOSS, thus BOSS just can pay the corresponding relation of background account from the user ID prestored and user and determines that user pays background account, and pay the corresponding relation of background account determine that agent pays background account from agent's mark and agent, finally paid background account and agent by center payment platform pay amount information in background account according to supplementing type information with money and supplementing amount information adjustment user with money, just can realize user to pay background account and agent and pay between background account and mutually supplement with money.

Accompanying drawing explanation

Fig. 1 is that in prior art, user completes process schematic to telephone expenses account charging by agent;

A kind of idiographic flow schematic diagram realizing the method for account charging that Fig. 2 provides for the embodiment of the present invention;

Fig. 3 a is the enforcement scene schematic diagram of embodiment 1 ~ 4;

Fig. 3 b is the idiographic flow schematic diagram that the user utilizing POS to be user pays background account and supplements with money;

Fig. 4 is the idiographic flow schematic diagram that the card local account utilizing POS to be user is supplemented with money;

Fig. 5 utilizes the user of user to pay background account for agent to pay the idiographic flow schematic diagram that background account supplements with money;

Fig. 6 utilizes the card local account of user to pay the idiographic flow schematic diagram that background account supplements with money for agent;

Fig. 7 is the schematic flow sheet of mutual enciphered message between functional entity as shown in Figure 2;

A kind of concrete structure schematic diagram realizing the system of account charging that Fig. 8 provides for the embodiment of the present invention.

Embodiment

In order to solve adopt the account charging scheme that provides of prior art cannot realize utilizing agent to pay user's payment transaction account charging that background account is user, also cannot realize utilizing user's payment transaction account to pay the problem that background account supplements with money for agent, embodiments provide a kind of method realizing account charging based on POS, it is no matter utilize agent to pay user's payment transaction account charging that background account is user, still user's payment transaction account is utilized to supplement with money for agent pays background account, adopt the scheme that the embodiment of the present invention provides, can both be realized those and supplement demand with money.

Below in conjunction with accompanying drawing, describe the scheme that the embodiment of the present invention provides in detail.

First, the embodiment of the present invention provides a kind of method realizing account charging based on POS as shown in Figure 2, and the method mainly comprises following key step:

Step 21, POS service platform receive that POS sends from POS mark, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads;

Usually, POS is from supporting the above-mentioned subscriber card mark of reading and sending the subscriber card of radio RF recognition technology.

Step 22, POS service platform identifies the corresponding relation with user ID from the subscriber card prestored, determine to identify corresponding user ID with the subscriber card that POS sends, and from the corresponding relation that the POS mark stored and agent identify, determine that identifying corresponding agent with the POS that POS sends identifies;

Step 23, POS service platform by supplementing amount information with money, supplement type information and the user ID determined and agent's mark with money and send to BOSS;

Step 24, BOSS pays the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that POS service platform sends pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that POS service platform sends pays background account;

Step 25, BOSS by supplementing type information with money, supplement amount information and the user that determines with money and pay background account and agent and pay background account and send to center payment platform;

Step 26, center payment platform, according to supplementing type information with money, supplementing amount information with money, adjusts the user that determines and pays background account and agent and pay amount information in background account.

For above-mentioned steps 26, its specific implementation can be: center payment platform is supplemented type information with money from what prestore and supplements with money the corresponding relation of strategy, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And then according to supplementing strategy with money, supplementing amount information with money, adjust the user that determines and pay background account and agent and pay amount information in background account.In embodiments of the present invention, supplement strategy with money and may occur following several situation:

Situation one: supplement strategy with money and supplement with money for user pays background account for utilizing agent to pay background account.Now, center payment platform performs and pays the amount of money that background account, deduction is corresponding with supplementing amount information with money from the agent determined, pay in background account the operation increasing this corresponding amount of money the user determined.

Situation two: supplement strategy with money and supplement with money for utilizing agent to pay background account for the card local account stored in subscriber card.Now, center payment platform performs and pays the amount of money that background account, deduction is corresponding with supplementing amount information with money from the agent determined, pay in background account the operation increasing this corresponding amount of money the user determined.Further, center payment platform also pays the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the user determined, and then perform and pay the amount of money that background account, deduction is corresponding with supplementing amount information with money from the user determined, in the mapping account determined, increase the operation of this corresponding amount of money.

Situation three: supplement strategy with money and supplement with money for agent pays background account for utilizing the user of user to pay background account.Now, center payment platform performs and pays the amount of money that background account, deduction is corresponding with supplementing amount information with money from the user determined, pay in background account the operation increasing this corresponding amount of money the agent determined.

Situation four: supplement strategy with money for utilizing the card local account of user to supplement with money for agent pays background account.Now, pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the user determined, and perform the operation of the amount of money that deduction is corresponding with supplementing amount information with money from the mapping account determined; And execution is determining that agent pays the operation of the amount of money that increase is corresponding with supplementing amount information with money in background account.

For above-mentioned situation two, when determine supplement with money strategy for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, increase the operation of the amount of money corresponding with supplementing amount information with money in the mapping account determined after, the said method that the embodiment of the present invention provides can further include following step:

First, the agent that is used to indicate that POS is receiving center payment platform transmission pays the recharging result of current amount information in background account and mapping account (usually, this recharging result re-sends to POS via center payment platform, BOSS, POS service platform after transmitting successively) after, send checking request to subscriber card, and receive the random number that subscriber card feeds back according to this checking request;

Then, the random number that POS sends according to subscriber card and in advance with the identifying code generating algorithm of subscriber card agreement, generate the first verification code information and send to subscriber card, and receive subscriber card compare the first verification code information and subscriber card mate according to the second verification code information that this random number and above-mentioned algorithm generate consistent after send be verified acknowledge message;

Finally, POS, according to above-mentioned recharging result, upgrades the amount information in the card local account stored in subscriber card.

Optionally, in embodiments of the present invention, center payment platform, when operation is supplemented in execution with money, can first be verified the legitimacy of subscriber card, to avoid supplementing with money illegal subscriber card.Particularly, first center payment platform can obtain the verification code information that POS reads from subscriber card; Then, center payment platform pays the corresponding relation of background account and verification code information from the user prestored, and determines to pay verification code information corresponding to background account with the user determined; Finally, center payment platform is when the verification code information coupling comparing verification code information and the reading determined is consistent, again according to supplementing type information with money, supplement amount information with money, adjust the user determined and pay background account and agent and pay amount information in background account.

Optionally, in order to avoid illegal POS reads the data in subscriber card, the process that POS reads subscriber card mark from subscriber card is specifically as follows:

First, POS sends the Card Reader request message carrying and read key to subscriber card;

Then, POS, after the notification message of permission POS Card Reader receiving subscriber card feedback, reads subscriber card mark.Wherein, the notification message of this permission POS Card Reader sends after subscriber card judges to include the reading key carried in Card Reader request message in the reading key of the POS of the Card Reader authority had self prestored.

Below for specific embodiment 1 ~ 4, describe the scheme application process in practice that the embodiment of the present invention provides in detail.Wherein, embodiment 1 pays for the user utilizing POS to be user the process that background account supplements with money, and namely utilize agent to pay user that background account is user pays the process that background account is supplemented with money; The process that embodiment 2 is supplemented with money for the card local account utilizing POS to be user, the process that namely utilize agent to pay card local account that background account is user is supplemented with money; Embodiment 3 pays for utilizing the user of user to pay background account for agent the process that background account supplements with money; Embodiment 4 pays the process that background account supplements with money for utilizing the card local account of user for agent.

Before introducing each embodiment, be necessary to be introduced the enforcement scene of embodiment.The enforcement scene of embodiment 1 ~ 4 is similar, its schematic diagram as shown in Figure 3 a, mainly comprise the subscriber card (or comprising the terminal of subscriber card) 201 of the support RFID function that user uses, POS-C 202 (i.e. agent use POS), L-POSP 203 (namely local POS service platform), BOSS 204 and center payment platform 205.The detailed introduction of the above-mentioned functions entity comprised under this scene is as follows respectively:

Subscriber card (or comprising the terminal of subscriber card) 201: for the card local account of maintenance customer and the sequence number of subscriber card (or comprising the terminal of subscriber card) 201, subscriber card (or comprising the terminal of subscriber card) 201 can be, but not limited to the personality card for the support RFID function described in background technology part, and the type of card then can be, but not limited to be SIM card, usim card, IC-card etc.;

POS-C 202: i.e. the POS that uses of agent, it is mainly used in the sequence number reading subscriber card (or comprising the terminal of subscriber card) 201 from subscriber card (or comprising the terminal of subscriber card) 201, and complete authentication to subscriber card (or comprising the terminal of subscriber card) 201, checking, and functions such as supplementing with money and withhold is performed to the card local account safeguarded in subscriber card (or comprising the terminal of subscriber card) 201, in addition, also realize initiating charging request to L-POSP 203 and paying the function of request;

L-POSP 203: namely local POS service platform, its charging request initiated mainly for the treatment of POS-C 202 is asked with paying, and safeguard that the mark (as sequence number) of POS-C 202 and agent identify (as agent the number of landline telephone that uses, the mobile terminal number (as phone number etc.) etc. that agent uses) corresponding relation, the sequence number of subscriber card (or comprising the terminal of subscriber card) 201 and user ID (as user the number of landline telephone that uses, the mobile terminal number (as phone number etc.) etc. that user uses) corresponding relation, and according to the change of those corresponding relations, realize dynamically updating those corresponding relations that it is safeguarded,

BOSS 204: the user of primary responsibility leading subscriber pays background account, agent pays background account, and the corresponding relation that the user of maintenance customer pays the corresponding relation of background account and user ID, agent pays background account and agent identifies.Charging request in addition for initiating according to POS-C 202 is asked with paying, by sending corresponding charging request to center payment platform 205 and paying the mode of asking, request center payment platform 205 performs the operation of withholing or supplementing with money to the corresponding background account that pays;

Center payment platform 205: be mainly used in safeguarding paying background account (comprise user pay background account and agent pays background account), and ask with paying according to the charging request that BOSS 204 sends, the operation of withholing or supplementing with money is performed to the corresponding background account that pays, and operating result is notified BOSS 204.

Below each embodiment is introduced respectively.

Embodiment 1

In the present embodiment 1, what realize is that the user utilizing POS to be user pays background account and supplements with money, and the user that namely will realize utilizing agent to pay background account is user pays background account and supplements with money.Based on enforcement scene as shown in Figure 2, the implementation procedure of embodiment 1 can comprise following step as shown in Figure 3 b:

Step 31, POS-C 202 receive agent enter POS-C 202 supplement with money menu and input " user pays background account and supplements with money " this signal after, read the sequence number of subscriber card (or comprising the terminal of subscriber card) 201, and Receiving Agent business input supplement amount information with money;

Step 32, POS-C 202 pays to the user that L-POSP 203 is sent as user the request that background account supplements with money, and this request carries sequence number, the amount information of supplementing with money of reception, the mark (can be the sequence number of POS-C 202 than the mark of POS-C 202 as used herein) etc. of POS-C 202 self of the subscriber card (or comprising the terminal of subscriber card) 201 read;

Optionally, can also carry this user for user performed in this request and pay the serial number that background account supplements this operation with money, wherein, the serial number of different operating is different.The benefit that operation is equipped with serial number is, when supplementing operation with money and being more, can search easily supplement operation with money accordingly according to serial number.

Optionally, what can also carry in this request that user arranges with BOSS in advance supplements password with money.This supplements password with money can regard the authentication information that can be used for identifying user's legal identity as.

Step 33, L-POSP 203 is receiving as after the user of user pays the request that background account supplements with money, the mark of POS-C 202 is parsed from this request, and according to the mark of the POS-C 202 prestored and the corresponding relation of agent's phone number, determine the agent's phone number corresponding to mark of the POS-C 202 parsed;

Step 34, L-POSP 203 parses the sequence number of subscriber card (or comprising the terminal of subscriber card) 201 further from above-mentioned request, and according to the subscriber card prestored (or comprising the terminal of the subscriber card) sequence number of 201 and the corresponding relation of subscriber phone number, determine the subscriber phone number corresponding to sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 parsed;

It should be noted that, it will be understood by those skilled in the art that the execution sequence of above-mentioned steps 33,34 can be very flexible.Except there being the as noted above step 33 that first performs to perform again except the execution sequence of step 34, can also first performing step 34 and performing step 33 again, or parallel execution of steps 33,34.The embodiment of the present invention does not limit this.

Step 35, the amount information of supplementing with money carried in above-mentioned request and the agent's phone number determined and subscriber phone number are sent to BOSS 204 by L-POSP 203, simultaneously, the request type of " user for user pays the request that background account is supplemented with money " that L-POSP 203 also sends according to POS-C 202, to BOSS 204 send one be used to indicate need the user for user to pay background account supplements with money supplements mark A with money;

Optionally, if also carry serial number and supplement password with money in above-mentioned request, then L-POSP 203 and can also supplement serial number password with money and sends to BOSS 204.

Step 36, BOSS 204 is according to the subscriber phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the user of the subscriber phone number prestored and user, determine that the user that this subscriber phone number of receiving is corresponding pays background account, and according to the agent's phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the agent's phone number prestored and agent, determine that the agent that this agent's phone number of receiving is corresponding pays background account, then step 37 is performed,

Optionally, determining that user pays after background account and agent pay background account, can also pay to user the legitimacy that background account and agent pay background account further to verify, and verify the user determined pay background account and agent pay background account all legal after, then perform step 37.Particularly, can require that user inputs it opening when user pays background account and identified by the user validation that BOSS 204 distributes, and by compare this user validation mark store with BOSS 204 with the user of this user pay user validation corresponding to background account identify whether mate consistent, come authentication of users payment background account legitimacy.Similar, background account is paid for agent, agent's legitimacy mark that also can require agent to utilize POS-C 202 to input agent is assigned with, and pay agent's legitimacy corresponding to background account with this agential agent and identify by what compare that this agent's legitimacy mark stores with BOSS 204 and whether mate consistent, verify that agent pays the legitimacy of background account.

Step 37, the user determined is paid background account and agent and pays background account, the amount information of supplementing with money sent by L-POSP 203 and supplement mark A with money and send to center payment platform 205 by BOSS 204;

Optionally, if also carry serial number in above-mentioned request, then serial number can also be sent to center payment platform 205 by BOSS 204.

Step 38, what center payment platform 205 was sent according to BOSS 204 supplements mark A with money, supplement mark with money from what make an appointment and supplement with money the corresponding relation of strategy, determine to supplement with money with this identify A corresponding supplement strategy with money for after " supplementing with money for the user of user pays background account ", perform send according to BOSS 204 supplement amount information with money, the agent sent from BOSS 204 pays that deduction background account supplements the amount of money corresponding to amount information with money with this, the user that sends at BOSS 204 pays the operation increasing in background account and supplement the amount of money corresponding to amount information with this with money;

Step 39, recharging result is sent to BOSS 204 by center payment platform 205, and wherein, the user that recharging result here generally can pay current amount information and user in background account for agent pays amount information current in background account;

Optionally, if in step 37, serial number is also sent to center payment platform 205 by BOSS 204, and so in step 39, corresponding serial number, when recharging result being sent to BOSS 204, is also sent to BOSS 204 by center payment platform 205.

Step 310, above-mentioned recharging result is sent to L-POSP 203 by BOSS 204;

Optionally, if corresponding serial number is sent to BOSS 204 by center payment platform 205, so this serial number is sent to L-POSP 203 by BOSS204.

Step 311, recharging result is sent to POS-C 202 by L-POSP 203;

Optionally, if serial number is sent to L-POSP 203 by BOSS 204, then this serial number is sent to POS-C 202 by L-POSP 203.

Step 312, POS-C 202 shows recharging result, and voucher is supplemented in printing with money, and flow process terminates.

Optionally, if serial number is sent to POS-C 202 by L-POSP 203, then POS-C 202 can carry out corresponding stored to this serial number and above-mentioned recharging result.

Optionally, step 313 can also be performed further in embodiment 1.In this step 313, center payment platform 205 sends one for notifying that the user of user pays the short message of background account successful recharging to subscriber card (or comprising the terminal of subscriber card) 201.Optionally, the user that can carry user in this short message pays amount information current in background account, the temporal information etc. that this supplements operation with money occurs.Center payment platform 205 can be realize after user pays the operation of the amount of money that increase is corresponding with supplementing amount information with money in background account, sends this short message immediately; Also can be according to sending this short message the time of delay pre-estimated (depending on concrete actual conditions, this time of delay can be 5s etc.).It should be noted that, for front a kind of send mode, step 313 is generally perform immediately after step 38, before step 39, and for rear a kind of send mode, then according to length and the real-time communication conditions of communication network time of delay, the time of implementation of step 313 has probabilistic feature.

Embodiment 2

Be different from embodiment 1, what embodiment 2 will realize is that the card local account utilizing POS to be user is supplemented with money, namely will realize utilizing agent to pay the card local account that background account is user and supplement with money.Based on enforcement scene as shown in Figure 2, operation is supplemented with money in order to what complete that embodiment 2 will realize, center payment platform 205 needs to pay amount deducted the account of backstage from agent, and the user corresponding amount of money being filled with user pays backstage account, and then pay background account from the user of user and deduct this amount of money, and the corresponding amount of money is filled with the mapping account (for convenience of description, in embodiment 2 card local account in the mapping account on backstage referred to as user is paid Sub-account) of card local account on backstage of user.

Particularly, the specific implementation flow process of embodiment 2 as shown in Figure 4, comprises the steps:

Step 41, POS-C 202 receive agent enter POS-C 202 supplement with money menu and input " card local account is supplemented with money " this signal after, read the sequence number of subscriber card (or comprising the terminal of subscriber card) 201, and Receiving Agent business input supplement amount information with money;

Step 42, the request that POS-C 202 supplements with money to the card local account that L-POSP 203 is sent as user, this request carries sequence number, the amount information of supplementing with money of reception, the mark (can be the sequence number of POS-C 202 than the mark of POS-C 202 as used herein) etc. of POS-C 202 self of the subscriber card (or comprising the terminal of subscriber card) 201 read;

Optionally, the serial number that this card local account for user performed supplements this operation with money can also be carried in this request.Optionally, what can also carry in this request that user arranges with BOSS in advance supplements password with money.This supplements password with money can regard the authentication information that can be used for identifying user's legal identity as.

Step 43, L-POSP 203 is after receiving the request of supplementing with money for the card local account of user, the mark of POS-C 202 is parsed from this request, and according to the mark of the POS-C 202 prestored and the corresponding relation of agent's phone number, determine the agent's phone number corresponding to mark of the POS-C 202 parsed;

Step 44, L-POSP 203 parses the sequence number of subscriber card (or comprising the terminal of subscriber card) 201 further from above-mentioned request, and according to the subscriber card prestored (or comprising the terminal of the subscriber card) sequence number of 201 and the corresponding relation of subscriber phone number, determine the subscriber phone number corresponding to sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 parsed;

It should be noted that, it will be understood by those skilled in the art that the execution sequence of above-mentioned steps 43,34 can be very flexible.Except there being the as noted above step 43 that first performs to perform again except the execution sequence of step 44, can also first performing step 44 and performing step 43 again, or parallel execution of steps 43,34.The embodiment of the present invention does not limit this.

Step 45, the amount information of supplementing with money carried in above-mentioned request and the agent's phone number determined and subscriber phone number are sent to BOSS 204 by L-POSP 203, simultaneously, the request type of " request that the card local account for user is supplemented with money " that L-POSP 203 also sends according to POS-C 202, to BOSS204 send one be used to indicate need the card local account for user to supplement with money supplement mark B with money;

Step 46, BOSS 204 is according to the subscriber phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the user of the subscriber phone number prestored and user, determine that the user that this subscriber phone number of receiving is corresponding pays background account, and according to the agent's phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the agent's phone number prestored and agent, determine that the agent that this agent's phone number of receiving is corresponding pays background account, then step 47 is performed,

Step 47, the user determined is paid background account and agent and pays background account, the amount information of supplementing with money sent by L-POSP 203 and supplement mark B with money and send to center payment platform 205 by BOSS 204;

Step 48, what center payment platform 205 was sent according to BOSS 204 supplements mark B with money, supplement mark with money from what make an appointment and supplement with money the corresponding relation of strategy, determine that supplementing with this strategy of supplementing with money identifying A corresponding with money is after " for the card local account of user is supplemented with money ", perform send according to BOSS 204 supplement amount information with money, the agent sent from BOSS 204 pays that deduction background account supplements the amount of money corresponding to amount information with money with this, the user that sends at BOSS 204 pays the operation increasing in background account and supplement the amount of money corresponding to amount information with this with money;

Step 49, the user that center payment platform 205 is sent according to BOSS 204 pays background account, the user prestored from center payment platform 205 pays background account and user pays the corresponding relation of Sub-account (namely card local account is in the mapping account on backstage), determine that paying user corresponding to background account with the user that BOSS 204 sends pays sub-account, and send according to BOSS 204 supplement amount information with money, execution pays deduction background account from the user that BOSS 204 sends and supplements the amount of money corresponding to amount information with money with this, the operation increasing in sub-account and supplement the amount of money corresponding to amount information with this with money is paid the user determined,

Step 410, recharging result is sent to BOSS 204 by center payment platform 205, and wherein, recharging result is here generally the user that agent pays current amount information and user in background account and pays amount information current in sub-account;

Optionally, if in step 47, serial number is also sent to center payment platform 205 by BOSS 204, and so in step 410, corresponding serial number, when recharging result being sent to BOSS 204, is also sent to BOSS 204 by center payment platform 205.

Step 411, above-mentioned recharging result is sent to L-POSP 203 by BOSS 204;

Step 412, recharging result is sent to POS-C 202 by L-POSP 203;

Step 413, POS-C 202 shows recharging result, and voucher is supplemented in printing with money;

Optionally, if this serial number is sent to POS-C 202 by L-POSP 203, then POS-C 202 can carry out corresponding stored to this serial number and corresponding recharging result.

Step 414, POS-C 202 sends checking request to subscriber card (or comprising the terminal of subscriber card) 201;

Step 415, subscriber card (or comprising the terminal of subscriber card) 201 is after receiving checking request, produce a random number a and send to POS-C 202, and the random number a of the first identifying code generating algorithm of arrange according to subscriber card (or comprising the terminal of subscriber card) 201 and POS-C 202 and generation, generation identifying code MAC1;

Step 416, POS-C 202 is after receiving random number a, the first identifying code generating algorithm of arranging according to subscriber card (or comprising the terminal of subscriber card) 201 and POS-C 202 and this random number a, generate identifying code MAC2, and send to subscriber card (or comprising the terminal of subscriber card) 201 the card local account carrying MAC2 and supplement instruction with money;

Step 417, subscriber card (or comprising the terminal of subscriber card) 201 couples of MAC2 that POS-C 202 sends verify, whether the MAC2 that MAC1 and the POS-C 202 namely comparing self generation sends mates unanimously, if comparative result is yes, then be proved to be successful, now subscriber card (or comprising the terminal of subscriber card) 201 is by sending to POS-C 202 mode that is verified acknowledge message, and permission POS-C 202 performs the amendment to its data;

Step 418, POS-C 202 is according to the recharging result received, upgraded by the card local account safeguarded in subscriber card (or comprising the terminal of subscriber card) 201, the amount information in this card local account being updated to the user corresponding with recharging result, to pay amount information current in sub-account consistent;

Optionally, POS-C 202, after the renewal realizing the amount information in the card local account safeguarded in subscriber card (or comprising the terminal of subscriber card) 201, can also generate corresponding card local account and supplement serial number and TAC code with money.Wherein, the effect of this TAC code is that indicating this supplements operation with money, such as can regard that this supplements the trade confirmation code of operation with money as.

Step 419, the amount information in the card local account after POS-C 202 display update, to notify the card local account successful recharging to user, flow process terminates.

Optionally, step 420 can also be performed further in embodiment 1.In this step 420, center payment platform 205 sends one for notifying that the user of user pays the successful short message of sub-account charging to subscriber card (or comprising the terminal of subscriber card) 201.Optionally, the user that can carry user in this short message pays amount information current in sub-account, the temporal information etc. that this supplements operation with money occurs.Center payment platform 205 can be realize after user pays the operation of the amount of money that increase is corresponding with supplementing amount information with money in sub-account, sends this short message immediately; Also can be according to sending this short message the time of delay pre-estimated (depending on concrete actual conditions, this time of delay can be 5s etc.).It should be noted that, for front a kind of send mode, step 420 is generally after step 49, performs immediately before step 410, and for rear a kind of send mode, then according to length and the real-time communication conditions of communication network time of delay, the time of implementation of step 420 has probabilistic feature.

Embodiment 3

In the present embodiment 3, what realize is that user utilizes the user of POS and user to pay background account to consume, namely will realize utilizing the user of user to pay background account and supplement with money for agent pays background account.When user consumes, need to input payment and payment cipher in POS-C 202.Particularly, based on enforcement scene as shown in Figure 2, the implementation procedure of embodiment 3 can comprise following step as shown in Figure 5:

Step 51, the user terminal comprising subscriber card (or comprising the terminal of subscriber card) 201 sends payment information and payment cipher to POS-C 202;

Step 52, POS-C 202, after the payment information receiving user terminal transmission and payment cipher, reads the sequence number of subscriber card (or comprising the terminal of subscriber card) 201;

Step 53, POS-C 202 sends to L-POSP 203 that to pay background account by the user of user be the request that agent pays background account and supplements with money, the mark etc. of the payment information that this request carries the sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 read, user terminal sends and payment cipher, POS-C 202 self;

Optionally, can also carry in this request that this performs to pay background account by user be the serial number that agent pays that background account supplements this operation with money.

Step 54, to be paid background account by user be after agent pays the request that background account supplements with money to L-POSP 203 receiving, the mark of POS-C 202 is parsed from this request, and according to the mark of the POS-C 202 prestored and the corresponding relation of agent's phone number, determine the agent's phone number corresponding to mark of the POS-C 202 parsed;

Step 55, L-POSP 203 parses the sequence number of subscriber card (or comprising the terminal of subscriber card) 201 further from above-mentioned request, and according to the subscriber card prestored (or comprising the terminal of the subscriber card) sequence number of 201 and the corresponding relation of subscriber phone number, determine the subscriber phone number corresponding to sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 parsed;

Step 56, the spending limit information carried in above-mentioned request and the agent's phone number determined and subscriber phone number are sent to BOSS 204 by L-POSP 203, simultaneously, the request type of " paying background account by user is the request that agent pays background account and supplements with money " that L-POSP 203 also sends according to POS-C 202, to BOSS 204 send one be used to indicate need by the user of user pay background account be agent pay that background account supplements with money supplement mark C with money;

Optionally, if also carry serial number and payment cipher in above-mentioned request, then serial number and payment cipher can also be sent to BOSS 204 by L-POSP 203.

Step 57, BOSS 204 is according to the subscriber phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the user of the subscriber phone number prestored and user, determine that the user that this subscriber phone number of receiving is corresponding pays background account, and according to the agent's phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the agent's phone number prestored and agent, determine that the agent that this agent's phone number of receiving is corresponding pays background account, then step 58 is performed,

Step 58, the user determined is paid background account and agent and pays background account, the spending limit information sent by L-POSP 203 and supplement mark C with money and send to center payment platform 205 by BOSS 204;

Step 59, what center payment platform 205 was sent according to BOSS 204 supplements mark C with money, supplement mark with money from what make an appointment and supplement with money the corresponding relation of strategy, determine that supplementing with this strategy of supplementing with money identifying C corresponding with money is after " paying background account by the user of user to supplement with money for agent pays background account ", perform the spending limit information sent according to BOSS 204, perform the user sent from BOSS 204 and pay the amount of money that background account, deduction is corresponding with this spending limit information, the agent sent at BOSS 204 pays the operation of the amount of money that increase is corresponding with this spending limit information in background account,

Step 510, recharging result is sent to BOSS 204 by center payment platform 205, and wherein, recharging result is here generally the user that agent pays current amount information and user in background account and pays amount information current in background account;

Optionally, if in step 58, serial number is also sent to center payment platform 205 by BOSS 204, and so in step 510, corresponding serial number, when recharging result being sent to BOSS 204, is also sent to BOSS 204 by center payment platform 205.

Step 511, above-mentioned recharging result is sent to L-POSP 203 by BOSS 204;

Step 512, recharging result is sent to POS-C 202 by L-POSP 203;

Step 513, POS-C 202 shows recharging result, and voucher is supplemented in printing with money, and flow process terminates.

Optionally, step 514 can also be performed further in embodiment 1.In this step 514, center payment platform 205 sends one for notifying that the user of user pays the short message of background account successful recharging to subscriber card (or comprising the terminal of subscriber card) 201.Optionally, the user that can carry user in this short message pays amount information current in background account, the temporal information etc. that this supplements operation with money occurs.Center payment platform 205 can be realize after agent pays the operation of the amount of money that increase is corresponding with spending limit information in background account, sends this short message immediately; Also can be according to sending this short message the time of delay pre-estimated (depending on concrete actual conditions, this time of delay can be 5s etc.).

Embodiment 4

In the present embodiment 4, what realize is that user utilizes the card local account of POS and user to consume, and namely will realize utilizing the card local account of user to supplement with money for agent pays background account.When user consumes, need to input payment and payment cipher in POS-C 202.Particularly, based on enforcement scene as shown in Figure 2, the implementation procedure of embodiment 4 can comprise following step as shown in Figure 6:

Step 61, the user terminal comprising subscriber card (or comprising the terminal of subscriber card) 201 sends payment information and payment cipher to POS-C 202;

Optionally, in order to utilize the user of user to pay background account to distinguish for agent pays the situation that background account supplements with money described in embodiment 3, in example 4, user terminal not only sends payment information and payment cipher to POS-C 202, can also sending one to POS-C 202, to be used to indicate be now utilize the card local account of user to pay the mark that background account supplements with money, as identified 00 for agent.Similar, in embodiment 3, user terminal also can send one to POS-C 202, and to be used to indicate be now utilize the user of user to pay background account for agent to pay the mark that background account supplements with money, as identified 01.

Step 62, POS-C 202, after the payment information receiving user terminal transmission and payment cipher, generates identifying code MAC3, and sends the consumption initialization directive carrying MAC3 to user terminal;

Step 63, user terminal is after the consumption initialization directive receiving POS-C 202 transmission, judge whether the MAC3 carried in this instruction is present in identifying code corresponding to the legal POS that makes an appointment, when judged result is for being, determine that POS-C 202 is legal POS, thus according to above-mentioned payment information, perform the operation of the corresponding amount of money in the card local account of deduction subscriber card (or comprising the terminal of subscriber card) 201 maintenance, and according to the second identifying code generating algorithm of making an appointment, generate identifying code MAC4;

Wherein, identifying code MAC4 here can be, but not limited to be utilize the sequence number of subscriber card (or comprising the terminal of subscriber card) 201 and the second identifying code generating algorithm to generate.

Step 64, user terminal sends consumption response instruction to POS-C 202, carries MAC4 in this instruction;

Step 65, POS-C 202 reads the sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 in user terminal;

Step 66, POS-C 202, according to the identifying code generating algorithm of the sequence number of the subscriber card read (or comprising the terminal of subscriber card) 201 and above-mentioned identifying code generating mode defined of making an appointment, generates MAC5; When comparing MAC4 with MAC5 coupling and being consistent, POS-C 202 determines the legitimacy of the user terminal comprising subscriber card (or comprising the terminal of subscriber card) 201;

Step 67, it is the request that agent pays background account and supplements with money that POS-C 202 sends by the card local account of user to L-POSP 203, the mark etc. of the payment information that this request carries the sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 read, user terminal sends and payment cipher, POS-C 202 self;

Optionally, what can also carry this execution in this request is the serial number that agent pays that background account supplements this operation with money by the card local account of user.

Step 68, L-POSP 203 is after agent pays the request that background account supplements with money receiving by card local account, the mark of POS-C 202 is parsed from this request, and according to the mark of the POS-C202 parsed, the agent's phone number corresponding to mark of this POS-C 202 parsed is determined from the mark of the POS-C 202 prestored and the corresponding relation of agent's phone number, simultaneously, L-POSP203 is also from the sequence number of the subscriber card prestored (or comprising the terminal of subscriber card) 201 and the corresponding relation of subscriber phone number, determine the subscriber phone number corresponding to sequence number of the subscriber card (or comprising the terminal of subscriber card) 201 that POS-C 202 sends,

Step 69, the spending limit information carried in above-mentioned request and the agent's phone number determined, subscriber phone number are sent to BOSS 204 by L-POSP 203, simultaneously, the request type of " be request that agent pay background account supplement by the card local account of user " that L-POSP 203 also sends according to POS-C 202, to BOSS 204 send one be used to indicate need by card local account be agent pay that background account supplements with money supplement mark D with money;

Step 610, BOSS 204 is according to the agent's phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the agent's phone number prestored and agent, determine that the agent that this agent's phone number of receiving is corresponding pays background account, and according to the subscriber phone number that L-POSP 203 sends, pay the corresponding relation of background account from the user of the subscriber phone number prestored and user, determine that the user that this subscriber phone number of receiving is corresponding pays background account, then perform step 611;

Step 611, the agent determined is paid background account by BOSS 204, user pays background account, the spending limit information that sent by L-POSP 203 and supplement mark D with money and send to center payment platform 205;

Step 612, what center payment platform 205 was sent according to BOSS 204 supplements mark D with money, supplement mark with money from what make an appointment and supplement with money the corresponding relation of strategy, determine that supplementing with this strategy of supplementing with money identifying D corresponding with money is after " being supplemented with money for agent pays background account by card local account ", background account is paid and user pays the corresponding relation of Sub-account from the user prestored, determine that user that BOSS 204 sends pays user corresponding to background account and pays sub-account, and perform the spending limit information sent according to BOSS 204, the operation of the amount of money that deduction is corresponding with spending limit information in sub-account is paid the user determined, and perform the operation that the agent sent at BOSS 204 pays the amount of money that increase is corresponding with this spending limit information in background account,

Step 613, recharging result is sent to BOSS 204 by center payment platform 205, and wherein, recharging result is here generally agent and pays current amount information and user in background account and pay current amount information in sub-account;

Step 614, above-mentioned recharging result is sent to L-POSP 203 by BOSS 204;

Step 615, recharging result is sent to POS-C 202 by L-POSP 203;

Step 616, POS-C 202 shows recharging result, and voucher is supplemented in printing with money, and flow process terminates.

What needs stressed is, in the embodiment of the present invention, in order to guarantee information mutual between functional entity as shown in Figure 2 time fail safe, the operation that between can increasing in the such as flow process shown in Fig. 3 a ~ Fig. 6 functional entity, mutual information is encrypted, with the financial criteria making the flow process shown in Fig. 3 a ~ Fig. 6 meet existing bank--the requirement of PBOC Design of Information System Security Architecture.

For scene as shown in Figure 2, the information mutual between 201 and POS-C202 of subscriber card (or comprising the terminal of subscriber card) can be the radiofrequency signal meeting safety of physical layer standard agreement ISO14443, the information that information mutual between POS-C 202 and L-POSP 203 can be encrypted according to standard agreement ISO8583, can connect based on Special safety circuit between L-POSP 203 and BOSS 204 and between BOSS 204 and center payment platform 205, based on the connection of setting up, information mutual between L-POSP 203 and BOSS204 and information mutual between BOSS 204 and center payment platform 205 can be the information of encrypting.

In the embodiment of the present invention, the nearly all functional entity shown in Fig. 2 can prestore corresponding key, with the information and executing encryption to transmission.Such as, can prestore in subscriber card (or comprising the terminal of subscriber card) 201 the reading key of the POS-C 202 with Card Reader authority; Can be prestored in POS-C 202 the reading key of self and the POS-C key for being encrypted the information of the information read and input POS-C 202; The mark of POS-C 202 that can prestore in L-POSP 203 and the corresponding relation of POS-C key, and store L-POSP key; And payment platform key can be stored in center payment platform 205.

For the realization flow of embodiment 2 as shown in Figure 4, between functional entity as shown in Figure 2, the schematic flow sheet of mutual enciphered message as shown in Figure 7, comprises the following steps:

Step 71, POS-C 202 supplements menu with money and after " card local account is supplemented with money " this signal of input, sends carry the Card Reader request message of " reading key " to subscriber card (or comprising the terminal of subscriber card) 201 receiving agent entering POS-C 202;

Step 72, subscriber card (or comprising the terminal of subscriber card) 201 is after receiving Card Reader request message, judge whether comprise the reading key carried in this Card Reader request message in the reading key of the POS-C 202 with Card Reader authority self prestored, and when judged result is for being, feed back the notification message allowing POS-C202 Card Reader to POS-C 202, and generate identifying code MAC0;

Step 73, POS-C 202 reads sequence number and the MAC0 of subscriber card (or comprising the terminal of subscriber card) 201, and Receiving Agent business input amount information of supplementing with money and supplement encrypted message with money;

Step 74, POS-C 202 is according to the POS-C key stored, to the amount information of supplementing with money of the sequence number of the subscriber card read (or comprising the terminal of subscriber card) 201, MAC0 and agent's input with supplement with money after encrypted message is encrypted, the mark of the enciphered message obtained and this POS-C 202 is together carried in the request that the card local account for user supplements with money and sends to L-POSP 203;

Optionally, POS-C key also can be stored in POS-C 202, but by arranging the mode of special code keypad at POS-C202, inputs this POS-C key by agent by this code keypad;

Step 75, L-POSP 203 is after receiving the request of supplementing with money for the card local account of user, according to the mark parsing POS-C 202 from this request, and according in the mark of the POS-C 202 prestored and the corresponding relation of POS-C key, determine corresponding POS-C key, and utilize the POS-C secret key decryption determined to be carried on enciphered message in above-mentioned request, thus obtain the sequence number of subscriber card (or comprising the terminal of subscriber card) 201, the supplementing amount information with money and supplement encrypted message with money of MAC0 and agent's input;

Step 76, L-POSP 203 is from the mark of the POS-C 202 prestored and the corresponding relation of agent's phone number, determine the agent's phone number corresponding to mark of the POS-C 202 parsed, and from the sequence number of the subscriber card prestored (or comprising the terminal of subscriber card) 201 and the corresponding relation of subscriber phone number, determine the subscriber phone number corresponding to sequence number deciphering the subscriber card (or comprising the terminal of subscriber card) 201 obtained;

Step 77, owing to connecting based on Special safety circuit between L-POSP 203 and BOSS 204, can to a certain extent guarantee information transmission fail safe, therefore, L-POSP 203 directly can will decipher the MAC0 obtained, supplement amount information and the agent's phone number determined and subscriber phone number with money and send to BOSS 204, simultaneously, the request type of " request that the card local account for user is supplemented with money " that L-POSP 203 also sends according to POS-C 202, to BOSS 204 send one be used to indicate need the card local account for user to supplement with money supplement with money mark B,

Step 78, BOSS 204 is according to the subscriber phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the user of the subscriber phone number prestored and user, determine that the user that this subscriber phone number of receiving is corresponding pays background account, and according to the agent's phone number sent by L-POSP 203 received, pay the corresponding relation of background account from the agent's phone number prestored and agent, determine that the agent that this agent's phone number of receiving is corresponding pays background account;

Optionally, BOSS 204 can notify that user inputs it opening when user pays background account by POS-C 202 and identified by the user validation that BOSS 204 distributes, and by compare this user validation mark store with BOSS 204 with the user of this user pay user validation corresponding to background account identify whether mate consistent, come authentication of users payment background account legitimacy.Similar, background account is paid for agent, BOSS 204 also can notification agent business utilize POS-C 202 to input agent's legitimacy mark that agent is assigned with, and pay agent's legitimacy corresponding to background account with this agential agent and identify by what compare that this agent's legitimacy mark stores with BOSS 204 and whether mate consistent, verify that agent pays the legitimacy of background account.Verify user pay background account and agent pay background account all legal after, continue step 79;

Step 79, owing to connecting based on Special safety circuit between BOSS 204 and center payment platform 205, can to a certain extent guarantee information transmission fail safe, therefore, BOSS 204 directly the user determined can be paid background account and agent pay background account, the MAC0 sent by L-POSP 203, supplement amount information with money and supplement with money mark B send to center payment platform 205;

Step 710, center payment platform 205 is from paying the corresponding relation of background account and identifying code according to user, determine to pay identifying code MAC0 ' corresponding to background account with the user received, and compare the MAC0 received and whether mate consistent with the MAC0 ' determined, and when comparative result is for being, perform step 711, otherwise process ends;

Step 711, what center payment platform 205 was sent according to BOSS 204 supplements mark B with money, supplement mark with money from what make an appointment and supplement with money the corresponding relation of strategy, determine that supplementing with this strategy of supplementing with money identifying A corresponding with money is after " for the card local account of user is supplemented with money ", perform send according to BOSS 204 supplement amount information with money, the agent sent from BOSS 204 pays that deduction background account supplements the amount of money corresponding to amount information with money with this, the user that sends at BOSS 204 pays the operation increasing in background account and supplement the amount of money corresponding to amount information with this with money;

Step 712, the user that center payment platform 205 is sent according to BOSS 204 pays background account, the user prestored from center payment platform 205 pays background account and user pays the corresponding relation of Sub-account (namely card local account is in the mapping account on backstage), determine that paying user corresponding to background account with the user that BOSS 204 sends pays sub-account, and send according to BOSS 204 supplement amount information with money, execution pays deduction background account from the user that BOSS 204 sends and supplements the amount of money corresponding to amount information with money with this, the operation increasing in sub-account and supplement the amount of money corresponding to amount information with this with money is paid the user determined,

Step 713, recharging result is sent to BOSS 204 by center payment platform 205, and wherein, recharging result is here generally the user that agent pays current amount information and user in background account and pays amount information current in sub-account;

Step 714, above-mentioned recharging result is sent to L-POSP 203 by BOSS 204;

Step 715, recharging result is sent to POS-C 202 by L-POSP 203;

Step 716, POS-C 202 shows recharging result, and voucher is supplemented in printing with money, and sends checking request to subscriber card (or comprising the terminal of subscriber card) 201;

Step 717, subscriber card (or comprising the terminal of subscriber card) 201 is after receiving checking request, produce a random number a and send to POS-C 202, and the random number a of the identifying code generating algorithm of arrange according to subscriber card (or comprising the terminal of subscriber card) 201 and POS-C 202 and generation, generation identifying code MAC1;

Step 718, POS-C 202 is after receiving random number a, the identifying code generating algorithm of arranging according to subscriber card (or comprising the terminal of subscriber card) 201 and POS-C 202 and this random number a, generate identifying code MAC2, and send to subscriber card (or comprising the terminal of subscriber card) 201 the card local account carrying MAC2 and supplement instruction with money;

Step 719, subscriber card (or comprising the terminal of subscriber card) 201 couples of MAC2 that POS-C 202 sends verify, whether the MAC2 that MAC1 and the POS-C 202 namely comparing self generation sends mates unanimously, if comparative result is yes, then be proved to be successful, now subscriber card (or comprising the terminal of subscriber card) 201 is by sending to POS-C 202 mode that is verified acknowledge message, and permission POS-C 202 performs the amendment to its data;

Step 720, POS-C 202 is according to the recharging result received, upgraded by the card local account safeguarded in subscriber card (or comprising the terminal of subscriber card) 201, the amount information in this card local account being updated to the user corresponding with recharging result, to pay amount information current in sub-account consistent;

Step 721, the amount information in the card local account after POS-C 202 display update, to notify the card local account successful recharging to user, flow process terminates.

Corresponding to the method realizing account charging based on POS that the embodiment of the present invention provides, the embodiment of the present invention also provides a kind of system realizing account charging based on POS, this system comprises component units as shown in Figure 8, be respectively POS service platform 81, BOSS82 and center payment platform 83, wherein the concrete function of each unit is as follows:

POS service platform 81, for receiving POS mark that POS sends, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads; And from the subscriber card mark prestored with the corresponding relation of user ID, determine to identify corresponding user ID with the subscriber card that POS sends, and from the corresponding relation that the POS mark stored and agent identify, determine that identifying corresponding agent with the POS that POS sends identifies; And by supplementing amount information with money, supplement type information and the user ID determined and agent's mark with money and send to business operation support system BOSS82;

BOSS82, for paying in the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that POS service platform 81 sends pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that POS service platform 81 sends pays background account; And by supplementing type information with money, supplement amount information and the user that determines with money and pay background account and agent and pay background account and send to center payment platform 83;

Center payment platform 83, for according to supplementing type information with money, supplement amount information with money, adjustment BOSS84 determines and the user sent pays background account and agent pays amount information in background account.

Optionally, center payment platform 83 specifically can be divided into following functions unit in the embodiment of the present invention, comprise:

Supplement policy determining unit with money, for supplementing type information with money from what prestore and supplement with money in the corresponding relation of strategy, determine that BOSS82 sends supplement with money type information corresponding supplement strategy with money; And

Supplement performance element with money, for when supplement that policy determining unit determines with money supplement with money strategy for utilize agent pay background account for user pay background account supplement with money time, perform and pay deduction background account from the agent determined and supplement the amount of money corresponding to amount information with money with described, pay in background account the operation increasing the described corresponding amount of money the user determined;

When supplement that policy determining unit determines with money supplement with money strategy for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, perform and pay background account the amount of money deducting described correspondence, the operation paying in background account the amount of money increasing described correspondence the user determined from the agent determined; And pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and execution pays background account the amount of money deducting described correspondence, the operation increasing the amount of money of described correspondence in the mapping account determined from the user determined;

When supplement that policy determining unit determines with money supplement with money strategy for utilize the user of user pay background account for agent pay background account supplement with money time, perform and pay deduction background account from the user determined and supplement the amount of money corresponding to amount information with money with described, pay in background account the operation increasing the described corresponding amount of money the agent determined;

When supplement that policy determining unit determines with money supplement with money strategy for utilize the card local account of user for agent pay background account supplement with money time, perform and determining that agent pays in background account the operation of the amount of money increasing described correspondence; And pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and perform the operation of deducting the amount of money of described correspondence from the mapping account determined.

Optionally, when said system also comprises POS, and determine supplement with money strategy for utilize agent pay background account for the card local account stored in subscriber card supplement with money time, this POS can be divided into following functions module, specifically comprises:

Mark reading unit, for reading subscriber card mark from subscriber card; Information obtainment unit, supplementing amount information with money for obtaining, supplementing type information with money; Information transmitting unit, sends to POS service platform 81 for identifying the POS of POS self, identifying the subscriber card mark of reading unit reading, the amount information of supplementing with money of information obtainment unit acquisition and supplement type information with money; Recharging result receiving element, after performing at center payment platform 83 increase the operation of the amount of money of described correspondence in the mapping account determined, what receiving center payment platform 83 sent is used to indicate the recharging result that agent pays current amount information in background account and described mapping account; Checking request transmitting unit, for after recharging result receiving element receives described recharging result, sends checking request to subscriber card; Random number receiving element, for receiving the random number of the checking request feedback that subscriber card sends according to checking request transmitting unit; Verification code information generation unit, for the random number received according to random number receiving element and the identifying code generating algorithm of arranging with subscriber card in advance, generates the first verification code information and sends to subscriber card; Acknowledge message receiving element, for receive subscriber card compare the first verification code information and subscriber card that verification code information generation unit sends according to the second verification code information that described random number and described algorithm generate mate consistent send afterwards be verified acknowledge message; Updating block, for the described recharging result received according to recharging result receiving element, upgrades the amount information in the card local account stored in described subscriber card.

Optionally, center payment platform 83 specifically can be divided into following functions unit in the embodiment of the present invention, specifically comprise:

Information obtainment unit, for obtaining the verification code information that POS reads from subscriber card; Information determination unit, for paying in the corresponding relation of background account and verification code information from the user prestored, determines to pay verification code information corresponding to background account with the user determined; Comparing unit, whether the verification code information determined for comparison information determining unit mates consistent with the verification code information that information obtainment unit obtains; Amount of money adjustment unit, during for the comparative result that obtains at comparing unit for being, according to supplementing type information with money, supplementing amount information with money, adjusting the user determined and paying background account and agent and pay amount information in background account.

Optionally, said system can further include POS, and this POS can be divided into following functions unit: request message transmitting element, for sending the Card Reader request message carrying and read key to subscriber card; Card reading unit, for after the notification message of permission POS Card Reader receiving subscriber card feedback, reading subscriber card identifies, wherein, the notification message of POS Card Reader is allowed to be send after subscriber card judges to include in the reading key of the POS of the Card Reader authority had self prestored the reading key carried in the Card Reader request message that request message transmitting element sends; Information obtainment unit, supplementing amount information with money for obtaining, supplementing type information with money; Transmitting element, for identifying the POS of POS self, the amount information of supplementing with money that obtains of subscriber card mark that card reading unit reads, information obtainment unit and supplement type information with money and send to POS service platform 81.

Correspondingly, the embodiment of the present invention also provides a kind of POS service platform equipment, and this equipment specifically comprises following functions unit:

Receiving element, for receiving POS mark that POS sends, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads; Determining unit, for in the corresponding relation from the subscriber card mark prestored and user ID, determine the user ID of the subscriber card mark correspondence that receiving element receives, and from the corresponding relation that the POS mark stored and agent identify, determine agent's mark of the POS mark correspondence that receiving element receives; Transmitting element, for receiving element is received amount information of supplementing with money, supplement user ID that type information and determining unit determine with money and agent's mark sends to business operation support system BOSS.

In addition, the embodiment of the present invention also provides a kind of BOSS, and it comprises following functions unit:

Receiving element, for receive POS service platform send amount information of supplementing with money, supplement with money type information, user ID, agent mark; Determining unit, for paying in the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that receiving element receives pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that receiving element receives pays background account; Transmitting element, pays background account for the user supplementing type information with money, supplement the determination that amount information and determining unit are determined with money received by receiving element, agent pays background account and send to center payment platform.

Obviously, those skilled in the art can carry out various change and modification to the present invention and not depart from the spirit and scope of the present invention.Like this, if these amendments of the present invention and modification belong within the scope of the claims in the present invention and equivalent technologies thereof, then the present invention is also intended to comprise these change and modification.

Claims

1. realize a system for account charging, it is characterized in that, comprise POS service platform, business operation support system BOSS and center payment platform, wherein:

POS service platform, for receiving POS mark that POS sends, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads, and from the subscriber card mark prestored with the corresponding relation of user ID, determine to identify corresponding user ID with the subscriber card that POS sends, and from the corresponding relation that the POS mark stored and agent identify, determine that identifying corresponding agent with the POS that POS sends identifies; And by supplementing amount information with money, supplement type information and the user ID determined and agent's mark with money and send to business operation support system BOSS;

BOSS, for paying in the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that POS service platform sends pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that POS service platform sends pays background account; And by supplementing type information with money, supplement amount information and the user that determines with money and pay background account and agent and pay background account and send to center payment platform;

Center payment platform, for according to supplementing type information with money, supplement amount information with money, adjust the described user determined and pay background account and agent and pay amount information in background account.

2. the system as claimed in claim 1, is characterized in that, center payment platform specifically comprises:

Supplement policy determining unit with money, for supplementing type information with money from what prestore and supplement with money in the corresponding relation of strategy, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And

When supplement that policy determining unit determines with money supplement with money strategy for utilize the card local account of user for agent pay background account supplement with money time, pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and perform the operation of deducting the amount of money of described correspondence from the mapping account determined; And execution is determining that agent pays in background account the operation of the amount of money increasing described correspondence.

3. system as claimed in claim 2, it is characterized in that, described system also comprises POS, and when supplementing with money of determining tactful for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, POS specifically comprises:

Mark reading unit, for reading subscriber card mark from subscriber card;

Information obtainment unit, supplementing amount information with money for obtaining, supplementing type information with money;

Information transmitting unit, sends to POS service platform for identifying the POS of POS self, identifying the subscriber card mark of reading unit reading, the amount information of supplementing with money of information obtainment unit acquisition and supplement type information with money;

Recharging result receiving element, for after payment platform execution in center increases the operation of the amount of money of described correspondence in the mapping account determined, what receiving center payment platform sent is used to indicate the recharging result that agent pays current amount information in background account and described mapping account;

Checking request transmitting unit, for after recharging result receiving element receives described recharging result, sends checking request to described subscriber card;

Random number receiving element, for receiving the random number of the checking request feedback that described subscriber card sends according to checking request transmitting unit;

Verification code information generation unit, for the random number received according to random number receiving element and the identifying code generating algorithm of arranging with described subscriber card in advance, generates the first verification code information and sends to described subscriber card;

Acknowledge message receiving element, for receive described subscriber card compare the first verification code information and described subscriber card that verification code information generation unit sends according to the second verification code information that described random number and described algorithm generate mate consistent send afterwards be verified acknowledge message;

Updating block, for the described recharging result received according to recharging result receiving element, upgrades the amount information in the card local account stored in described subscriber card.

4. the system as described in as arbitrary in claims 1 to 3, it is characterized in that, described center payment platform specifically comprises:

Information obtainment unit, for obtaining the verification code information that POS reads from subscriber card;

Information determination unit, for paying in the corresponding relation of background account and verification code information from the user prestored, determines to pay verification code information corresponding to background account with the described user determined;

Comparing unit, whether the verification code information determined for comparison information determining unit mates consistent with the verification code information that information obtainment unit obtains;

Amount of money adjustment unit, during for the comparative result that obtains at comparing unit for being, according to supplementing type information with money, supplementing amount information with money, adjusting the described user determined and paying background account and agent and pay amount information in background account.

5. system as claimed in claim 1 or 2, it is characterized in that, described system also comprises POS, and POS specifically comprises:

Request message transmitting element, for sending the Card Reader request message carrying and read key to subscriber card;

Card reading unit, for after the notification message of permission POS Card Reader receiving described subscriber card feedback, read described subscriber card mark, wherein, the notification message of described permission POS Card Reader sends after subscriber card judges to include in the reading key of the POS of the Card Reader authority had self prestored the reading key carried in the Card Reader request message that request message transmitting element sends;

Transmitting element, for identifying the POS of POS self, the amount information of supplementing with money that obtains of subscriber card mark that card reading unit reads, information obtainment unit and supplement type information with money and send to POS service platform.

6. realize a method for account charging, it is characterized in that, comprising:

The POS that POS service platform receives point-of-sale terminal POS transmission identifies, supplements amount information with money, supplements type information with money, the subscriber card mark that POS reads;

POS service platform identifies the corresponding relation with user ID from the subscriber card prestored, determine to identify corresponding user ID with the subscriber card that POS sends, and from the corresponding relation that the POS mark stored and agent identify, determine that identifying corresponding agent with the POS that POS sends identifies;

POS service platform by supplementing amount information with money, supplement type information and the user ID determined and agent's mark with money and send to business operation support system BOSS;

BOSS pays the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that POS service platform sends pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that POS service platform sends pays background account;

BOSS by supplementing type information with money, supplement amount information and the user that determines with money and pay background account and agent and pay background account and send to center payment platform;

Center payment platform, according to supplementing type information with money, supplementing amount information with money, adjusts the described user determined and pays background account and agent and pay amount information in background account.

7. method as claimed in claim 6, is characterized in that, center payment platform, according to supplementing type information with money, supplementing amount information with money, adjusts the described user determined and pays background account and agent and pay amount information in background account, specifically comprise:

Center payment platform is supplemented type information with money from what prestore and supplements with money the corresponding relation of strategy, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And

When determine supplement with money strategy for utilize agent pay background account for user pay background account supplement with money time, perform and to pay background account deduction from the agent determined and supplement the amount of money corresponding to amount information with money with described, pay in background account the operation increasing the described corresponding amount of money the user determined;

When determine supplement with money strategy for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, perform and pay background account the amount of money deducting described correspondence, the operation paying in background account the amount of money increasing described correspondence the user determined from the agent determined; And pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and execution pays background account the amount of money deducting described correspondence, the operation increasing the amount of money of described correspondence in the mapping account determined from the user determined;

When determine supplement with money strategy for utilize the user of user pay background account for agent pay background account supplement with money time, perform and to pay background account deduction from the user determined and supplement the amount of money corresponding to amount information with money with described, pay in background account the operation increasing the described corresponding amount of money the agent determined;

When determine supplement with money strategy for utilize the card local account of user for agent pay background account supplement with money time, pay the corresponding relation of mapping account of background account and card local account from the user prestored, determine to pay mapping account corresponding to background account with the described user determined, and perform the operation of deducting the amount of money of described correspondence from the mapping account determined; And execution is determining that agent pays in background account the operation of the amount of money increasing described correspondence.

8. method as claimed in claim 7, it is characterized in that, when determine supplement with money strategy for utilize agent pay background account for subscriber card in the card local account that stores supplement with money time, after payment platform execution in center increases the operation of the amount of money of described correspondence in the mapping account determined, also comprise:

POS is after being used to indicate of receiving that center payment platform sends, agent pays the recharging result of current amount information in background account and described mapping account, send checking request to subscriber card, and receive the random number of described subscriber card according to described checking request feedback;

POS, according to described random number and the identifying code generating algorithm of arranging with described subscriber card in advance, generates the first verification code information and sends to described subscriber card;

POS receive described subscriber card compare the first verification code information and described subscriber card mate according to the second verification code information that described random number and described algorithm generate consistent after send be verified acknowledge message;

POS, according to described recharging result, upgrades the amount information in the card local account stored in described subscriber card.

9. the method as described in as arbitrary in claim 6 ~ 8, is characterized in that, center payment platform, according to supplementing type information with money, supplementing amount information with money, adjusts the described user determined and pays background account and agent and pay amount information in background account, specifically comprise:

Center payment platform obtains the verification code information that POS reads from subscriber card;

Center payment platform pays the corresponding relation of background account and verification code information from the user prestored, and determines to pay verification code information corresponding to background account with the described user determined;

Center payment platform is when the verification code information coupling comparing verification code information and the reading determined is consistent, according to supplementing type information with money, supplementing amount information with money, adjust the described user determined and pay background account and agent and pay amount information in background account.

10. method as claimed in claims 6 or 7, is characterized in that, POS realizes reading subscriber card mark by following step:

POS sends the Card Reader request message carrying and read key to subscriber card; And

POS, after the notification message of permission POS Card Reader receiving described subscriber card feedback, reads described subscriber card mark; Wherein, the notification message of described permission POS Card Reader be subscriber card judge self to prestore there is in the reading key of Card Reader authority the reading key including and carry in described Card Reader request message after send.

11. 1 kinds of POS service platform equipment, is characterized in that, comprising:

Receiving element, for receiving POS mark that POS sends, supplement amount information with money, supplement type information with money, subscriber card mark that POS reads;

Determining unit, for in the corresponding relation from the subscriber card mark prestored and user ID, determine the user ID of the subscriber card mark correspondence that receiving element receives, and from the corresponding relation that the POS mark stored and agent identify, determine agent's mark of the POS mark correspondence that receiving element receives;

Transmitting element, for receiving element is received amount information of supplementing with money, supplement user ID that type information and determining unit determine with money and agent's mark sends to business operation support system BOSS.

12. 1 kinds of business operation support systems, is characterized in that, comprising:

Receiving element, for receive POS service platform send amount information of supplementing with money, supplement with money type information, user ID, agent mark;

Determining unit, for paying in the corresponding relation of background account from the user ID prestored and user, determine that user corresponding to user ID that receiving element receives pays background account, and pay the corresponding relation of background account from the agent's mark prestored and agent, determine that agent corresponding to user ID that receiving element receives pays background account;

Transmitting element, pays background account for the user supplementing type information with money, supplement the determination that amount information and determining unit are determined with money received by receiving element, agent pays background account and send to center payment platform.