CN103679979A - Data processing method and data processing equipment - Google Patents
Data processing method and data processing equipment Download PDFInfo
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- CN103679979A CN103679979A CN201310641392.5A CN201310641392A CN103679979A CN 103679979 A CN103679979 A CN 103679979A CN 201310641392 A CN201310641392 A CN 201310641392A CN 103679979 A CN103679979 A CN 103679979A
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Abstract
The invention discloses a data processing method and data processing equipment. The data processing method includes that a terminal determines batch-submitting offline data, needing accounting treatment, of an account to which the terminal belongs; the terminal uploads the batch-submitting offline data by means of wireless communication; the batch-submitting offline data uploaded by the terminal by means of wireless communication are received; receiving information of the batch-submitting offline data is returned to the terminal, and accounting treatment is performed on the account to which the terminal belongs according to the offline data; the batch-submitting offline data are cleared after the terminal receives returned successful receiving information of the batch-submitting offline data. By the method and the equipment, line application and using cost of acquiring merchants can be saved, online acceptance of offline transactions can be realized, and network supporting and receipt printing are not needed. During batch settlement operation, a bank network is accessed through mobile banking, so that investment on acquiring lines are greatly saved; adding of extra equipment is not needed, and only an intelligent machine with a near field wireless communication (NFC) technology function is needed, so that flexibility of acquiring service is greatly improved.
Description
Technical field
The present invention relates to field of computer technology, relate in particular to a kind of data processing method and equipment.
Background technology
POS(point of sale, point-of-sale terminal) be a kind of multi-functional terminal end, it is arranged on to the franchised business of credit card and accepts in site and be unified into network with computing machine, just can realize electronic funds and automatically transfer accounts, it has support consumption, pre-authorization, inquiry into balance and the function such as transfer accounts.Fig. 1 is that existing POS receives single system basic framework schematic diagram, PSDN(Packet Switched Data Network in Fig. 1, Packet Switch Data Network) be a kind ofly to take grouping (Packet) and carry out the communication network of exchanges data as primitive, VPN(Virtual Private Network, VPN (virtual private network)) refer to the technology of setting up dedicated network in common network, why it is called virtual net, mainly because the connection between any two nodes of whole VPN network does not have the required physical link end to end of traditional private network, but the network platform that framework provides in common network service provider, as Internet, ATM(asynchronous transfer mode), Frame Relay(frame relay) etc. the logical network on, user data transmits in logical links.As shown in Figure 1:
Wired POS102 by PSDN dial (bank specify access code) dial in, be linked into the net control device 103 of bank network, by net control device 103, be connected to the processing that the receipts list front-end system 104 of banking system is received single business.
Wireless POS 101 is the net control device 103 to bank network by VPN access via telephone line, by net control device 103, is connected to the processing that the receipts list front-end system 104 of banking system is received single business.
The electronic cash transaction of accepting for POS, needs terminal to carry out giving the single front-end system of receipts in regularly batch knot operation and completes the fund clearing to trade company.Wherein relate to the processing of inter-bank exchange system 105, security system 106, operation system 107, Unionpay 108 and bank core equipment 109.
Yet above-mentioned prior art only exists the receipts single system of these two kinds of forms, but these the two kinds thresholds of opening an account of receiving single system are higher, receive single disposal environment poor, receive single process loaded down with trivial details.
Summary of the invention
The embodiment of the present invention provides a kind of data processing method, in order to save circuit application and the cost of use of Shou Dan trade company, improves the dirigibility of receiving single business, and the method comprises:
Offline data is sent in pulling on that receiving terminal is uploaded by communication;
To terminal, return to pull on and send offline data to receive information, and according to offline data, account under this terminal is carried out to accounting processing.
In an embodiment, the method further comprises:
The application of opening an account that receiving terminal is submitted to by communication;
After audit is passed through, by pulling on of the account of this terminal appointment and this terminal, send offline data binding;
The offline data of uploading by communication according to follow-up this terminal is carried out accounting processing to this account.
In an embodiment, the method further comprises:
The inquiry request that receiving terminal is submitted to by communication;
To terminal, return to the accounting processing result of account under this terminal.
A kind of data processing method is also provided in the embodiment of the present invention, in order to save circuit application and the cost of use of Shou Dan trade company, has improved the dirigibility of receiving single business, the method comprises:
Terminal determines under this terminal that account need carry out pulling on of accounting processing and send offline data;
Terminal is uploaded to pull on by communication and is sent offline data;
Send offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data.
In an embodiment, the method further comprises:
Terminal submits by communication the application of opening an account to;
Terminal is specified the account of sending offline data binding with pulling on of this terminal;
After audit is passed through, terminal need to be carried out pulling on of accounting processing to this account and be sent offline data to upload by communication.
In an embodiment, the method further comprises:
Under need to knowing terminal, during the accounting processing result of account, terminal is by the request of communication submit Query.
In an embodiment, described in pull on that to send offline data be terminal and IC(Integrated Circuit Card, integrated circuit) transaction data of card.
In an embodiment, described transaction data is that terminal and IC-card pass through NFC(Near Field Communication, near field communication (NFC)) mutual transaction data.
In an embodiment, terminal and IC-card comprise by the mutual transaction data of NFC:
Terminal login Mobile banking starts mobile phone and receives single application;
The Transaction Informations such as input dealing money;
After Transaction Information submits to holder to confirm, swipe the card while paying, upgrade the electronic cash amount of money;
Terminal check payment information, and will pay successful information submission holder confirmation.
A kind of data processing method is also provided in the embodiment of the present invention, in order to save circuit application and the cost of use of Shou Dan trade company, has improved the dirigibility of receiving single business, the method comprises:
Terminal determines under this terminal that account need carry out pulling on of accounting processing and send offline data;
Terminal is uploaded to pull on by communication and is sent offline data;
Offline data is sent in pulling on that receiving terminal is uploaded by communication;
To terminal, return to pull on and send offline data to receive information, and according to offline data, account under this terminal is carried out to accounting processing;
Terminal send offline data to receive after successful information receiving pulling on of returning, and pulls on described in removing and send offline data.
A kind of data processing equipment is also provided in the embodiment of the present invention, in order to save circuit application and the cost of use of Shou Dan trade company, has improved the dirigibility of receiving single business, this equipment comprises:
Wireless receiving module, offline data is sent in pulling on of uploading by communication for receiving terminal;
Data processing module, send offline data to receive information for returning to terminal to pull on, and according to offline data, account under this terminal is carried out to accounting processing.
In an embodiment, this equipment further comprises:
Application receiver module, the application of opening an account of submitting to by communication for receiving terminal;
Binding module, after passing through in audit, send offline data binding by pulling on of the account of this terminal appointment and this terminal;
The offline data that data processing module is further used for uploading by communication according to follow-up this terminal is carried out accounting processing to this account.
In an embodiment, this equipment further comprises:
Inquire-receive module, the inquiry request of submitting to by communication for receiving terminal;
Query Result module, for returning to the accounting processing result of account under this terminal to terminal.
A kind of data processing terminal is also provided in the embodiment of the present invention, in order to save circuit application and the cost of use of Shou Dan trade company, has improved the dirigibility of receiving single business, this terminal comprises:
Data processing module, need carry out pulling on of accounting processing for account under definite this terminal and send offline data;
Upper transmission module, send offline data for uploading by communication to pull on;
Remove module, for sending offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data.
In an embodiment, this terminal further comprises:
Application request module, for submitting the application of opening an account to by communication;
Account designated module, is used to specify the account of sending offline data binding with pulling on of this terminal;
Upper transmission module, after passing through in audit, need to carry out pulling on of accounting processing to this account and send offline data to upload by communication.
In an embodiment, this terminal further comprises:
Enquiry module, during for the accounting processing result of account under need to knowing terminal, by the request of communication submit Query.
In an embodiment, upper transmission module is further used for the transaction data of terminal and IC-card to send offline data to upload as described pulling on.
In an embodiment, this terminal further comprises:
IC-card transaction modules, for passing through the mutual transaction data of NFC with IC-card.
In an embodiment, upper transmission module is further used for terminal and IC-card to upload as described transaction data by the mutual transaction data of NFC.
A kind of data handling system is also provided in the embodiment of the present invention, in order to save circuit application and the cost of use of Shou Dan trade company, has improved the dirigibility of receiving single business, this system comprises: aforementioned data treatment facility, aforesaid data processing terminal, wherein:
Data processing terminal, need carry out pulling on of accounting processing while sending offline data for account under determining this terminal, uploads to pull on send offline data by communication; And send offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data;
Data processing equipment, send after offline data for pulling on of uploading by communication at receiving terminal, and returns to pull on and send offline data to receive information, and according to offline data, account under this terminal is carried out to accounting processing to terminal.
In the embodiment of the present invention, can save circuit application and the cost of use of Shou Dan trade company, the online offline transaction of accepting, without network support, printing document.While criticizing knot operation, by Mobile banking, access bank network, greatly save the input of receiving on single line; Without newly-increased extras, only need to there is the intelligent machine that possesses NFC function, the dirigibility of receiving single business improves greatly.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.In the accompanying drawings:
Fig. 1 is that POS of the prior art receives single system basic framework schematic diagram;
Fig. 2 is the data processing method implementing procedure schematic diagram of the server side in the embodiment of the present invention;
Fig. 3 is the data processing method implementing procedure schematic diagram of the end side in the embodiment of the present invention;
Fig. 4 is the data processing method implementing procedure schematic diagram that the server side in the embodiment of the present invention is combined with end side;
Fig. 5 is that the small amount in the embodiment of the present invention is received single system overall traffic system schematic diagram;
Fig. 6 is that the small amount in the embodiment of the present invention is received the signing schematic flow sheet of single system;
Fig. 7 is that the small amount in the embodiment of the present invention is received single system payment flow enforcement schematic diagram;
Fig. 8 is that terminal and the reciprocal process between card in the embodiment of the present invention is implemented schematic diagram;
Fig. 9 is that the small amount in the embodiment of the present invention is received single system clearance flow implementation schematic diagram;
Figure 10 is the data processing equipment structural representation in the embodiment of the present invention;
Figure 11 is the data processing terminal structural representation in the embodiment of the present invention;
Figure 12 is the data handling system structural representation in the embodiment of the present invention.
Embodiment
For making object, technical scheme and the advantage of the embodiment of the present invention clearer, below in conjunction with accompanying drawing, the embodiment of the present invention is described in further details.At this, schematic description and description of the present invention is used for explaining the present invention, but not as a limitation of the invention.
Inventor is conceived to non-traditional field in realizing process of the present invention, receipts list business to little difference quotient family is analyzed and researched, the small amount having proposed based on NFC is received single system, NFC is a kind of contactless identification and interconnection technique, can carry out wireless near field communication at mobile device, consumer electronics product, PC and smart control Tool Room.From service layer, at present the positive great dynamics of national policy is helped little difference quotient family, and bank card is received single business and covered not yet on a large scale, mainly with paying in cash, is main.Present receipts list business also has certain limitation concerning little difference quotient family, as higher in received trade company's threshold of singly opening an account, and receives single disposal environment poor, receives single process loaded down with trivial details.From technological layer, by NFC close range wireless communication, in conjunction with Mobile banking, promote " APP of Wei Shoudan trade company application ", accept off line micro-electronic cash consumer sale, can meet the receipts single demand at little difference quotient family.
The feature major embodiment that small amount is received single system is in 5 micro-s:
1, the micro-amount of money: location is clear and definite, only for accepting the quick payment transaction of financial IC card off line small amount, IC-card, also claims smart card (Smart card), smart card (Intelligent card), microcircuit card (Microcircuit card) or chip card etc.It is that a microelectronic chip is embedded and met in the card base of ISO7816 standard, makes card form.Communication modes between IC-card and read write line can be contact, can be also contactless;
2, the PBOC(The People's Bank of China of the point-to-point safety data transmission of micro-risk: NFC, financial IC card, People's Bank of China) electronic cash safety standard, the APP of Mobile banking, triple safe guarantees;
3, micro-drops into: based on existing receipts single mass system, build completely, only need extra exploitation mobile phone A PP application program;
4, micro-equipment: receive single file and trade company all without newly-increased extras, only need to have the intelligent machine that possesses NFC function;
5, micro-cost: the online offline transaction of accepting, without network support, printing document.While only having trade company to criticize knot operation, just need network linking to receipts single file.
Small amount is received the trend of these features adaptation bank cards of single system, the IC-card based on PBOC standard.This will play a positive role to the popularization of IC-card business, and the development of IC simultaneously also will promote small amount to receive the optimized development of single system.
For addressing the above problem, in the embodiment of the present invention, provide: be positioned at server side, can be in practice for a kind of data processing method of bank, Fig. 2 is the data processing method implementing procedure schematic diagram of server side, and as shown in Figure 2, the method can comprise:
Offline data is sent in pulling on that step 201, receiving terminal are uploaded by communication;
In an embodiment, may further include:
The application of opening an account that receiving terminal is submitted to by communication;
After audit is passed through, by pulling on of the account of this terminal appointment and this terminal, send offline data binding;
The offline data of uploading by communication according to follow-up this terminal is carried out accounting processing to this account.
In an embodiment, may further include:
The inquiry request that receiving terminal is submitted to by communication;
To terminal, return to the accounting processing result of account under this terminal.
For addressing the above problem, in the embodiment of the present invention, also provide: be positioned at end side, can be in practice for a kind of data processing method at little difference quotient family, Fig. 3 is the data processing method implementing procedure schematic diagram of end side, and as shown in Figure 3, the method can comprise:
In an embodiment, may further include:
Terminal submits by communication the application of opening an account to;
Terminal is specified the account of sending offline data binding with pulling on of this terminal;
After audit is passed through, terminal need to be carried out pulling on of accounting processing to this account and be sent offline data to upload by communication.
In an embodiment, may further include:
Under need to knowing terminal, during the accounting processing result of account, terminal is by the request of communication submit Query.
In an embodiment, described in pull on that to send offline data can be the transaction data of terminal and IC-card.
In an embodiment, described transaction data can be that terminal and IC-card pass through the mutual transaction data of NFC.
In an embodiment, terminal and IC-card can comprise by the mutual transaction data of NFC:
Terminal login Mobile banking starts mobile phone and receives single application;
The Transaction Informations such as input dealing money;
After Transaction Information submits to holder to confirm, swipe the card while paying, upgrade the electronic cash amount of money;
Terminal check payment information, and will pay successful information submission holder confirmation.
For addressing the above problem, in the embodiment of the present invention, also provide that server side is combined with end side, can be in practice for the common a kind of data processing method of bank and little difference quotient family, Fig. 4 is the data processing method implementing procedure schematic diagram that server side is combined with end side, as shown in Figure 4, the method can comprise:
Step 401, terminal determine under this terminal that account need carry out pulling on of accounting processing and send offline data;
Offline data is sent in pulling on that step 403, receiving terminal are uploaded by communication;
The embodiment of receiving single system below to the present invention is directed to the small amount at little difference quotient family describes in conjunction with example again.
Fig. 5 is that small amount is received single system overall traffic system schematic diagram, and as shown in Figure 5, between holder and trade company, bank, interactive relation is:
In this process, (step 505 in figure) all can be inquired about to bank by holder and trade company.
In enforcement, trade company carries out small amount and receives single business, first must hold the mobile phone that possesses NFC function, signing by bank's cell-phone customer terminal online application.After trade company applies for successfully, the payment that IC-card holder can consume, also can carry out the inquiry of historical transaction record.Trade company can receive small amount off-line file in single system every day and pull on and deliver to Bank of Communications, by Bank of Communications, is cleared; Clearance information also can be inquired about by trade company simultaneously.
Below the embodiment between three is described.
In declarative procedure, the signing process between paper trade company and bank, then introduces the clearance flow process between process of exchange, trade company and the bank between holder and trade company.Although be to describe from the enforcement of holder, trade company, bank respectively in implementation, but this does not also mean that three must coordinate enforcement, in fact, when holder, trade company, bank separately implement, it also solves the problem of holder, trade company, bank separately, when just triplicity is used, can obtain better technique effect.
One, the signing implementation Process explanation between trade company and bank.
Fig. 6 is that small amount is received the signing schematic flow sheet of single system, and the signing flow process of trade company as shown in Figure 6, comprises the steps:
After accepting applications, step 602, bank examine;
The audit of step 603, bank by after return and open an account successfully;
Step 606, login Mobile banking carry out single business of receiving;
In enforcement, trade company initiates signing application by Mobile banking, and submits necessary information to; After application is submitted to, little difference quotient family auditing flow is carried out on system backstage, notifies little difference quotient family after examining successfully, and download the IC-card parameters such as certification authority's PKI to Mobile banking of trade company client by Mobile banking.
Two, the process of exchange implementation between holder and trade company.
Fig. 7 is that small amount is received single system payment flow enforcement schematic diagram, as shown in Figure 7, when paying, comprises the steps:
The Transaction Informations such as step 702, input dealing money;
In enforcement, payment process occurs in trade company and initiates after consumer sale, and holder, after receiving the Transaction Information of trade company, need to confirm dealing money; When holder's payment of swiping the card, electronic cash remaining sum will be upgraded, Transaction Success.Wherein during electronic cash transaction without password, signature, printing sales slip.
Fig. 8 is that reciprocal process between terminal and card is implemented schematic diagram, and as shown in Figure 8, the NFC functional mobile phone that possesses of trade company is received single system and holder while accepting IC-card electronic cash, and the reciprocal process between terminal and card comprises the steps:
Step 809, merchant transaction logical process, return and write card base originally;
Three, the clearance flow implementation explanation between trade company and bank.
Fig. 9 is that small amount is received single system clearance flow implementation schematic diagram, as shown in Figure 9, when clearance, can comprise the steps:
In enforcement, after can Shi trade company closing every day, keeping under the prerequisite that cell phone network is unimpeded, online pulling on send the same day all off-line consumption records.Backstage receives the off-line consumption record sending in trade company, and a day terminal hour is cleared (if miss, cleared time point the same day, next day reliquidates), generating merchant keep accounts file and reconciliation file.
Based on same inventive concept, a kind of data processing equipment, data processing terminal, data handling system are also provided in the embodiment of the present invention, because the principle that these equipment are dealt with problems is similar to data processing method, therefore the enforcement of these equipment can, referring to the enforcement of method, repeat part and repeat no more.
Figure 10 is data processing equipment structural representation, this equipment be positioned at server side, can be in practice for bank, this equipment comprises:
Data processing module 1002, send offline data to receive information for returning to terminal to pull on, and according to offline data, account under this terminal is carried out to accounting processing.
In an embodiment, this equipment may further include:
Application receiver module, the application of opening an account of submitting to by communication for receiving terminal;
Binding module, after passing through in audit, send offline data binding by pulling on of the account of this terminal appointment and this terminal;
The offline data that data processing module is further used for uploading by communication according to follow-up this terminal is carried out accounting processing to this account.
In an embodiment, this equipment may further include:
Inquire-receive module, the inquiry request of submitting to by communication for receiving terminal;
Query Result module, for returning to the accounting processing result of account under this terminal to terminal.
Figure 11 is data processing terminal structural representation, this terminal can be positioned at end side, can be in practice for little difference quotient family, as shown in figure 11, this terminal can comprise:
Remove module 1103, for sending offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data.
In an embodiment, this terminal may further include:
Application request module, for submitting the application of opening an account to by communication;
Account designated module, is used to specify the account of sending offline data binding with pulling on of this terminal;
Upper transmission module, after passing through in audit, need to carry out pulling on of accounting processing to this account and send offline data to upload by communication.
In an embodiment, this terminal may further include:
Enquiry module, during for the accounting processing result of account under need to knowing terminal, by the request of communication submit Query.
In an embodiment, upper transmission module can be further used for the transaction data of terminal and IC-card to send offline data to upload as described pulling on.
In an embodiment, this terminal may further include:
IC-card transaction modules, for passing through the mutual transaction data of NFC with IC-card.
In an embodiment, upper transmission module can be further used for terminal and IC-card to upload as described transaction data by the mutual transaction data of NFC.
Figure 12 is data handling system structural representation, and this system is that server side is combined with end side, can be in practice for bank and little difference quotient family jointly, as shown in figure 12, this system can comprise: the data processing equipment of server side, and the data processing terminal of end side, wherein:
In order better to illustrate, describe the specific embodiment of the present invention below in conjunction with the product providing on existing market.
The receipts single system that can realize the present invention's (and related invention) embodiment thereon, the Mobile banking that can look on a market can be receipts single system, the cell phone bank system providing from incorporated company of the Communications Bank of China, yet note, although related invention and discussion of the present invention are all about receiving single system, cell phone bank system, but creative concept is applicable to provide the framework of the other types of similar functions, therefore to receiving single system, only quoting of cell phone bank system do not played restriction as example.Concrete enforcement is to realize as follows:
Can carry out relevant art transformation and realize the single business of micro-receipts receiving single system and cell phone bank system.
Receive single system:
Receive single system and carry out carrying out relevant art transformation for the single business of micro-receipts, support trade company by mobile phone (trade company) application of opening an account online; And support that the IC-card off-line consumption sending in Mobile banking is detailed.
Mobile banking:
Mobile banking develops independently APP application program for " micro-receipts are single " trade company, and common customer can independently download and install; " micro-receipts are single " APP possesses following major function:
1. submit online " micro-receipts are single " business application to, and complete online whole signing process.
2. possessing on the mobile phone of NFC function, supporting to accept the IC-card electronic cash transaction of off line.
3. possessing the machine preserves safely and accepts the detailed ability of off line IC-card electronic cash transaction, this partial data encrypting storing.
4. by network, the machine is preserved to accept on the detailed file of off line IC-card electronic cash transaction and deliver to receipts single system, after data validation, to trade company, carry out capital settlement.
In enforcement, the equipment of selecting in end side at least can be selected the smart mobile phone of the different model of IOS, Android system, in enforcement, only need to possess NFC function by this smart mobile phone.
Mobile phone " micro-receipts list " APP application module, can adopt the communication modes such as bluetooth, can carry out data transmission with the IC-card of accepting.
Seen from the above description, in the technical scheme providing due to the embodiment of the present invention, by the NFC function of mobile phone, mutually combine with IC-card electronic cash, receiving single business scope innovation " micro-receipts are single " receipts single system, by mobile phone NFC function, realize single business of receiving, without extra interpolation, accept and safety equipment.Mobile phone " micro-receipts list " APP application module, possesses the local ability of storing the detailed file of IC-card off-line consumption of safety.Mobile phone " micro-receipts list " APP application module, can transmit the detailed file of IC-card off-line consumption by Mobile banking's safety.Wei Shou Dan Keyu trade company phone number bundlees, and in conjunction with suitably administrative mechanism and technology management and control, can effectively prevent business risk.Thereby make the technical scheme providing in the embodiment of the present invention can bring following beneficial effect:
1, simplify the application process of opening an account, user can submit " micro-receipts are single " business application online to, and completes online whole signing process.
2, save circuit application and the cost of use of Shou Dan trade company, the online offline transaction of accepting, without network support, printing document.While only having trade company to criticize knot operation, just need network linking to receipts single file.
3, " micro-receipts are single " accesses bank network by Mobile banking, greatly saves the input of receiving on single line.
4,, all without newly-increased extras, only need to there be the intelligent machine that possesses NFC function in " micro-receipts are single " receipts single file and trade company, and the dirigibility of receiving single business improves greatly.
5, " micro-receipts are single " builds based on existing receipts single mass system completely, only needs extra exploitation mobile phone A PP application program.
6, " micro-receipts are single " transaction voucher is electronic, greatly saves the maintenance cost of terminal.
7, " micro-receipts are single " system adopts the point-to-point safety data transmission of NFC, the PBOC electronic cash safety standard of financial IC card, the APP of Mobile banking, triple safe assurance, and transaction security is high.
Those skilled in the art should understand, embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt complete hardware implementation example, implement software example or in conjunction with the form of the embodiment of software and hardware aspect completely.And the present invention can adopt the form that wherein includes the upper computer program of implementing of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code one or more.
The present invention is with reference to describing according to process flow diagram and/or the block scheme of the method for the embodiment of the present invention, equipment (system) and computer program.Should understand can be in computer program instructions realization flow figure and/or block scheme each flow process and/or the flow process in square frame and process flow diagram and/or block scheme and/or the combination of square frame.Can provide these computer program instructions to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, the instruction of carrying out by the processor of computing machine or other programmable data processing device is produced for realizing the device in the function of flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame appointments.
These computer program instructions also can be stored in energy vectoring computer or the computer-readable memory of other programmable data processing device with ad hoc fashion work, the instruction that makes to be stored in this computer-readable memory produces the manufacture that comprises command device, and this command device is realized the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame.
These computer program instructions also can be loaded in computing machine or other programmable data processing device, make to carry out sequence of operations step to produce computer implemented processing on computing machine or other programmable devices, thereby the instruction of carrying out is provided for realizing the step of the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame on computing machine or other programmable devices.
Above-described specific embodiment; object of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the foregoing is only specific embodiments of the invention; the protection domain being not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (20)
1. a data processing method, is characterized in that, the method comprises:
Offline data is sent in pulling on that receiving terminal is uploaded by communication;
To terminal, return to pull on and send offline data to receive information, and according to offline data, account under this terminal is carried out to accounting processing.
2. the method for claim 1, is characterized in that, further comprises:
The application of opening an account that receiving terminal is submitted to by communication;
After audit is passed through, by pulling on of the account of this terminal appointment and this terminal, send offline data binding;
The offline data of uploading by communication according to follow-up this terminal is carried out accounting processing to this account.
3. method as claimed in claim 1 or 2, is characterized in that, further comprises:
The inquiry request that receiving terminal is submitted to by communication;
To terminal, return to the accounting processing result of account under this terminal.
4. a data processing method, is characterized in that, the method comprises:
Terminal determines under this terminal that account need carry out pulling on of accounting processing and send offline data;
Terminal is uploaded to pull on by communication and is sent offline data;
Send offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data.
5. method as claimed in claim 4, is characterized in that, further comprises:
Terminal submits by communication the application of opening an account to;
Terminal is specified the account of sending offline data binding with pulling on of this terminal;
After audit is passed through, terminal need to be carried out pulling on of accounting processing to this account and be sent offline data to upload by communication.
6. method as claimed in claim 4, is characterized in that, further comprises:
Under need to knowing terminal, during the accounting processing result of account, terminal is by the request of communication submit Query.
7. the method as described in claim 4 to 6 any one, is characterized in that, described in pull on that to send offline data be the transaction data of terminal and integrated circuit IC-card.
8. method as claimed in claim 7, is characterized in that, described transaction data is that terminal and IC-card pass through the mutual transaction data of near field communication (NFC) NFC.
9. method as claimed in claim 8, is characterized in that, terminal and IC-card comprise by the mutual transaction data of NFC:
Terminal login Mobile banking starts mobile phone and receives single application;
The Transaction Informations such as input dealing money;
After Transaction Information submits to holder to confirm, swipe the card while paying, upgrade the electronic cash amount of money;
Terminal check payment information, and will pay successful information submission holder confirmation.
10. a data processing method, is characterized in that, the method comprises:
Terminal determines under this terminal that account need carry out pulling on of accounting processing and send offline data;
Terminal is uploaded to pull on by communication and is sent offline data;
Offline data is sent in pulling on that receiving terminal is uploaded by communication;
To terminal, return to pull on and send offline data to receive information, and according to offline data, account under this terminal is carried out to accounting processing;
Terminal send offline data to receive after successful information receiving pulling on of returning, and pulls on described in removing and send offline data.
11. 1 kinds of data processing equipments, is characterized in that, this equipment comprises:
Wireless receiving module, offline data is sent in pulling on of uploading by communication for receiving terminal;
Data processing module, send offline data to receive information for returning to terminal to pull on, and according to offline data, account under this terminal is carried out to accounting processing.
12. data processing equipments as claimed in claim 11, is characterized in that, further comprise:
Application receiver module, the application of opening an account of submitting to by communication for receiving terminal;
Binding module, after passing through in audit, send offline data binding by pulling on of the account of this terminal appointment and this terminal;
The offline data that data processing module is further used for uploading by communication according to follow-up this terminal is carried out accounting processing to this account.
13. data processing equipments as described in claim 11 or 12, is characterized in that, further comprise:
Inquire-receive module, the inquiry request of submitting to by communication for receiving terminal;
Query Result module, for returning to the accounting processing result of account under this terminal to terminal.
14. 1 kinds of data processing terminals, is characterized in that, this terminal comprises:
Data processing module, need carry out pulling on of accounting processing for account under definite this terminal and send offline data;
Upper transmission module, send offline data for uploading by communication to pull on;
Remove module, for sending offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data.
15. data processing terminals as claimed in claim 14, is characterized in that, further comprise:
Application request module, for submitting the application of opening an account to by communication;
Account designated module, is used to specify the account of sending offline data binding with pulling on of this terminal;
Upper transmission module, after passing through in audit, need to carry out pulling on of accounting processing to this account and send offline data to upload by communication.
16. data processing terminals as claimed in claim 14, is characterized in that, further comprise:
Enquiry module, during for the accounting processing result of account under need to knowing terminal, by the request of communication submit Query.
17. data processing terminals as described in as arbitrary in claim 14 to 16, is characterized in that, upper transmission module is further used for the transaction data of terminal and IC-card to send offline data to upload as described pulling on.
18. data processing terminals as claimed in claim 17, is characterized in that, further comprise:
IC-card transaction modules, for passing through the mutual transaction data of NFC with IC-card.
19. data processing terminals as claimed in claim 18, is characterized in that, upper transmission module is further used for terminal and IC-card to upload as described transaction data by the mutual transaction data of NFC.
20. 1 kinds of data handling systems, is characterized in that, this system comprises: the data processing equipment as described in as arbitrary in claim 11 to 13, and the data processing terminal as described in as arbitrary in claim 14 to 19, wherein:
Data processing terminal, need carry out pulling on of accounting processing while sending offline data for account under determining this terminal, uploads to pull on send offline data by communication; And send offline data to receive after successful information receiving pulling on of returning, pull on described in removing and send offline data;
Data processing equipment, send after offline data for pulling on of uploading by communication at receiving terminal, and returns to pull on and send offline data to receive information, and according to offline data, account under this terminal is carried out to accounting processing to terminal.
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| CN201310641392.5A CN103679979B (en) | 2013-12-03 | 2013-12-03 | Data processing method and data processing equipment |
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