CN104008481A - Loading-in-air system and method based on non-contact type mobile payment mobile phone terminal - Google Patents
Loading-in-air system and method based on non-contact type mobile payment mobile phone terminal Download PDFInfo
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- CN104008481A CN104008481A CN201410253859.3A CN201410253859A CN104008481A CN 104008481 A CN104008481 A CN 104008481A CN 201410253859 A CN201410253859 A CN 201410253859A CN 104008481 A CN104008481 A CN 104008481A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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Abstract
The invention discloses a loading-in-air system and method based on a non-contact type mobile payment mobile phone terminal, and relates to the technical field of wireless communication. According to the method and system, all loading-in-air services of a mobile phone supporting data message modes can be achieved. A client side mode is adopted to be compatible with various mobile phone sim card chips capable of performing non-contact type mobile payment, a mobile user completes loading of a mobile phone electronic purse through any bank card account of himself on the mobile client side in a self-service mode.
Description
Technical field
What the present invention relates to is a kind of system and method for wireless communication technology field, specifically a kind of space transference system and method based on non-contact mobile payment mobile phone terminal.
Background technology
Circle is deposited is consumer to be claimed to cash at ordinary times from bank account be placed on the mode of consume payment in pocket and become the money in consumer's bank account is directly enclosed and deposited on (depositing in) IC wafer, that is there is a stored value card, so, consumer just exempts the risk of carrying cash small change, loss, counterfeit money, being robbed.The fund that circle is deposited is that individual carries out bankcard consumption under specific consumer environment mostly.Space transference refers to menu or cell-phone customer terminal by operating handset UTK (omnipotent test external member Universal Testing Kit)/STK (satellite kit Satellite Tool Kit), use wireless mode such as OTA (Over The Air downloads) or BIP (business integration platform Business Integration Platform) etc. and backstage payment system to communicate in the air, complete the supplementing with money of wallet in mobile phone intelligent card, inquire about, the function such as consumption.Popular be exactly by mobile phone make a phone call, the mode such as the relevant mobile phone client software of note, OTA menu or customization enclose and deposits, the instant process that the bank card account amount of money is transferred to Mobile phone card wallet.
NFC (near-field communication technology) is developed by RFID (non-contact radio-frequency identification), and its basis is the radiotelegraphy of RFID and short distance high frequency, in 13.56MHz frequency runs on 20 cm distance.Its transmission speed has three kinds of 106Kbit/ second, 212Kbit/ second or 424Kbit/ seconds.Near-field communication is by becoming ISO/IEC IS18092 international standard, ECMA-340 standard and ETSI TS102190 standard at present.NFC adopts initiatively and passive two kinds of read modes.NFC near-field communication technology is combining induction card reader, induction type card and point-to-point function on one chip, can in short distance, identify and exchanges data with compatible equipment.
Summary of the invention
The present invention is directed to the deficiency that prior art exists, propose a kind of space transference system and method based on non-contact mobile payment mobile phone terminal, meet the space transference business of all supported data short message mode mobile phones.The present invention adopts the mobile phone sim the core of the card sheet of the compatible multiple non-contact mobile payment of client mode, and mobile subscriber can both self-service completing be deposited the circle of mobile phone electronic wallet by any bank card account number of oneself in mobile client.
The present invention is achieved by the following technical solutions:
The space transference system based on non-contact mobile payment mobile phone terminal the present invention relates to, comprise: be arranged at electronic cash application module, cell-phone customer terminal and accounts information system in contactless mobile device, chip card, wherein: electronic cash application module is used for generating aerial recharging payment record unconfirmed and upgrades its state, and judge whether to carry out space transference and rush positive flow process; Cell-phone customer terminal is connected by wireless mode with electronic cash application module, output query statement, charging information, supplements initialization directive, transaction response and/or circle with money and deposits script and receive validity response, errored response or supplement instruction execution result with money; Cell-phone customer terminal is connected by wireless mode with accounts information system, and output space transference request and space transference are supplemented with money and confirmed response; Between accounts information system and electronic cash application module, be connected by data SMS mode, output space transference initialization directive and request ciphertext mac authorization information or space transference are confirmed and receive to conclude the business to respond and circle is deposited script.
Described cell-phone customer terminal is specially the client of iOS system or Android system, and it is built-in for judging the timer of the space transference request of whether receiving that in the given time accounts information system returns.
Described electronic cash application module is by aerial recharging payment record cell unconfirmed and rush original unit and form, wherein: and aerial recharging payment record cell unconfirmed is used for generating aerial recharging payment record unconfirmed, rushing positive unit is used for judging whether to carry out space transference and rushes positive flow process.
Described is also provided with aerial recharging payment database of record in aerial recharging payment record cell unconfirmed, includes but not limited to: bank card and transaction request authentication information in this database; The entry of every information record includes but not limited to: bank's card number and password, type of transaction, cipher key index.
The present invention relates to the space transference method based on said system, comprise the following steps:
A. cell-phone customer terminal sends the instruction of inquiry aerial recharging payment record unconfirmed to electronic cash application module, when aerial recharging payment unconfirmed is recorded as disarmed state, electronic cash application module generates the ATC (application transaction counter of current recharging payment, Application Transaction Counter), and the unconfirmed aerial recharging payment record that generates an effective status covers the unconfirmed aerial recharging payment record of disarmed state, generate transaction request simultaneously, and go to step B, when aerial recharging payment unconfirmed is recorded as effective status, return to errored response to cell-phone customer terminal, current electronic cash space transference finishes,
Described errored response comprises the information such as transaction counter and errored response code.
B. electronic cash application module returns to transaction validity response unconfirmed to cell-phone customer terminal;
Described validity response refers to: when aerial recharging payment unconfirmed is recorded as effective status, carry out space transference and rush positive flow process, electronic cash space transference finishes; Otherwise carry out charging request.
In the instruction of described inquiry aerial recharging payment record unconfirmed, comprise the information such as transaction counter, user's card number and account balance.
C. cell-phone customer terminal sends the initialization directive of supplementing with money that comprises that user inputs to accounts information system;
Described charging information includes but not limited to: recharge amount and payment cipher.
D. accounts information system need be enclosed to deposit to electronic cash application module feedback and be supplemented initialized response with money;
E. electronic cash application module generates initialization directive;
Described circle is deposited initialization directive and is comprised ATC and ARPC (transaction response cyphertext).
F. the ARPC that electronic cash application module feedback accounts information system has generated;
G. ATC, payment cipher and the transaction request ciphertext of accounts information system verification electronic cash application module feedback;
H. the circle described in accounts information system verification is deposited ATC, payment cipher and the transaction request of request, by after carry out accounting processing, upgrade electronic cash account balance;
I. accounts information system generates transaction response cyphertext the capable script command of tectosphere counter foil;
J. accounts information system is to the execution script of electronic cash application module feedback response;
K. in the time that the response of the space transference request that accounts information system returns is received in electronic cash application module judgement in the given time, execution step M, otherwise go to step L;
L. carry out space transference and rush positive flow process, electronic cash space transference finishes;
M. electronic cash application module is carried out and is supplemented instruction with money, upgrades electronic cash account balance, and upgrades aerial recharging payment unconfirmed and be recorded as disarmed state;
Described electronic cash application module execution is supplemented instruction with money and is further comprised checking transaction response, carries out to enclose and deposits script.
Further, described method also comprises after step M:
N. electronic cash application module returns and supplements instruction execution result response with money to accounts information system;
O. accounts information system amendment circle is deposited state for success and is fed back cell-phone customer terminal recharging result and notify;
P. cell-phone customer terminal shows recharging result.
Brief description of the drawings
Fig. 1 is invention system architecture schematic diagram.
Fig. 2 is the inventive method schematic diagram.
Fig. 3 is embodiment schematic flow sheet.
Embodiment
Below embodiments of the invention are elaborated, the present embodiment is implemented under taking technical solution of the present invention as prerequisite, provided detailed embodiment and concrete operating process, but protection scope of the present invention is not limited to following embodiment.
Embodiment 1
As shown in Figure 2, the present embodiment specifically comprises the following steps:
A. cell-phone customer terminal sends the instruction of inquiry aerial recharging payment record unconfirmed to electronic cash application module, electronic cash application module judges whether aerial recharging payment record unconfirmed is effective status, when aerial recharging payment unconfirmed is recorded as disarmed state, electronic cash application module generates the ATC of current recharging payment, and the unconfirmed aerial recharging payment record that generates an effective status covers the unconfirmed aerial recharging payment record of disarmed state, generate transaction request simultaneously, and go to step B, when aerial recharging payment unconfirmed is recorded as effective status, return to errored response to cell-phone customer terminal, current electronic cash space transference finishes,
Described errored response comprises the information such as transaction counter and errored response code.
Steps A specifically comprises:
A1. cell-phone customer terminal sends the instruction of inquiry aerial recharging payment record unconfirmed to electronic cash application module, and electronic cash application module returns to response to cell-phone customer terminal;
Whether the unconfirmed aerial recharging payment record that A2. judges electronic cash application module is effective status, when aerial recharging payment unconfirmed is recorded as effective status, goes to step A3, when aerial recharging payment unconfirmed is recorded as disarmed state, goes to step C;
A3. carry out space transference and rush positive flow process, electronic cash space transference finishes.
B. electronic cash application module returns to transaction validity response unconfirmed to cell-phone customer terminal;
Described validity response refers to: when aerial recharging payment unconfirmed is recorded as effective status, carry out space transference and rush positive flow process, electronic cash space transference finishes; Otherwise carry out charging request.
In the instruction of described inquiry aerial recharging payment record unconfirmed, comprise the information such as transaction counter, user's card number and account balance.
C. cell-phone customer terminal sends and comprises the charging request information that user inputs to accounts information system;
Described charging information comprises recharge amount and payment cipher.
D. accounts information system need be enclosed to deposit to electronic cash application module feedback and be supplemented initialized response with money;
Described response comprises ATC, user's card number, electronic cash account balance.
E. electronic cash application module generates initialization directive;
Described circle is deposited initialization directive and is comprised ATC and ARPC.
F. the ARPC that electronic cash application module feedback accounts information system has generated, concrete steps comprise:
F1. electronic cash application module sends the space transference request that comprises ATC, card number, electronic cash account balance, recharge amount, transaction request and payment cipher to accounts information system;
F2. described in accounts information system verification, circle is deposited ATC, payment cipher and the transaction request of request, by after carry out accounting processing, upgrade electronic cash account balance;
F3. accounts information system generation transaction response and circle are deposited script, and described circle is deposited script and comprised the electronic cash account balance after MAC and renewal;
F4. accounts information system is returned to the response that comprises that transaction response and circle are deposited script to electronic cash application module;
G. ATC, payment cipher and the transaction request ciphertext of accounts information system verification electronic cash application module feedback;
H. the circle described in accounts information system verification is deposited ATC, payment cipher and the transaction request of request, by after carry out accounting processing, upgrade electronic cash account balance;
I. accounts information system generates transaction response cyphertext the capable script command of tectosphere counter foil;
Described response comprises that transaction responds and circle is deposited script.
J. accounts information system is to the execution script of electronic cash application module feedback response;
K. in the time that electronic cash application module is received the response of the space transference request that accounts information system returns in the given time, carry out and supplement instruction with money, upgrade electronic cash account balance, and upgrade aerial recharging payment unconfirmed and be recorded as disarmed state;
The described instruction of supplementing with money comprises that transaction responds and circle is deposited script.
The execution of electronic cash application module is supplemented instruction with money and is further comprised checking transaction response, carries out to enclose and deposits script.
In the time that not receiving the response of the space transference request that accounts information system returns in the given time, carries out electronic cash application module space transference recharge procedure;
Described electronic cash application module execution is supplemented instruction with money and is further comprised checking transaction response, carries out to enclose and deposits script.
Described step K specifically comprises the following steps:
K1. cell-phone customer terminal sends space transference to electronic cash application module and rushes positive initialization directive;
K2. cell-phone customer terminal judges to electronic cash application module whether aerial recharging payment record unconfirmed is effective status, when aerial recharging payment unconfirmed is recorded as effective status, electronic cash application module generates transaction request and ATC, formerly supplement initialization context zero clearing with money, and go to step M3, when aerial recharging payment unconfirmed is recorded as disarmed state, return to errored response;
K3. electronic cash application module returns to the response that comprises ATC, card number, transaction request, former recharging payment ATC and former recharging payment request to cell-phone customer terminal;
K4. cell-phone customer terminal is just asked to the punching of accounts information system transmission space transference;
Described space transference punching is just asking to comprise ATC, card number, transaction request, former recharging payment ATC and former recharging payment request;
K5. accounts information system verification space transference rushes ATC and the former recharging payment ATC in just asking, and verifies that space transference rushes transaction request and the former recharging payment request in just asking;
K6. accounts information system is carried out accounting processing, and generates transaction response;
K7. accounts information system is returned and is comprised that the space transference punching of transaction response just responds to cell-phone customer terminal;
K8. cell-phone customer terminal sends and comprises that the space transference of transaction response rushes positive result notice to electronic cash application module;
K9. electronic cash application module checking transaction response, and upgrade aerial recharging payment unconfirmed and be recorded as disarmed state.
L. electronic cash application module returns and supplements instruction execution result response with money to accounts information system;
M. accounts information system amendment circle is deposited state for success and is fed back cell-phone customer terminal recharging result and notify;
N. cell-phone customer terminal shows recharging result.
Claims (8)
1. the space transference system based on non-contact mobile payment mobile phone terminal, it is characterized in that, comprise: be arranged at electronic cash application module, cell-phone customer terminal and accounts information system in contactless mobile device, chip card, wherein: electronic cash application module is used for generating aerial recharging payment record unconfirmed and upgrades its state, and judge whether to carry out space transference and rush positive flow process; Cell-phone customer terminal is connected by wireless mode with electronic cash application module, output query statement, charging information, supplements initialization directive, transaction response and/or circle with money and deposits script and receive validity response, errored response or supplement instruction execution result with money; Cell-phone customer terminal is connected by wireless mode with accounts information system, and output space transference request and space transference are supplemented with money and confirmed response; Between accounts information system and electronic cash application module, be connected by data SMS mode, output space transference initialization directive and request ciphertext mac authorization information or space transference are confirmed and receive to conclude the business to respond and circle is deposited script.
2. system according to claim 1, it is characterized in that, described cell-phone customer terminal is specially the client of iOS system or Android system, and it is built-in for judging the timer of the space transference request of whether receiving that in the given time accounts information system returns.
3. system according to claim 1, it is characterized in that, described electronic cash application module is by aerial recharging payment record cell unconfirmed and rush original unit and form, wherein: and aerial recharging payment record cell unconfirmed is used for generating aerial recharging payment record unconfirmed, rushing positive unit is used for judging whether to carry out space transference and rushes positive flow process.
4. system according to claim 3, is characterized in that, described is also provided with aerial recharging payment database of record in aerial recharging payment record cell unconfirmed, and this database comprises: bank card and transaction request authentication information; The entry of every information record comprises: bank's card number and password, type of transaction, cipher key index.
5. according to the space transference system based on non-contact mobile payment mobile phone terminal described in above-mentioned arbitrary claim, it is characterized in that, comprise the following steps:
A. cell-phone customer terminal sends the instruction of inquiry aerial recharging payment record unconfirmed to electronic cash application module, when aerial recharging payment unconfirmed is recorded as disarmed state, electronic cash application module generates the ATC of current recharging payment, and the unconfirmed aerial recharging payment record that generates an effective status covers the unconfirmed aerial recharging payment record of disarmed state, generate transaction request simultaneously, and go to step B, when aerial recharging payment unconfirmed is recorded as effective status, return to errored response to cell-phone customer terminal, current electronic cash space transference finishes;
B. electronic cash application module returns to transaction validity response unconfirmed to cell-phone customer terminal;
C. cell-phone customer terminal sends the initialization directive of supplementing with money that comprises that user inputs to accounts information system;
D. accounts information system need be enclosed to deposit to electronic cash application module feedback and be supplemented initialized response with money;
E. electronic cash application module generates initialization directive;
F. the ARPC that electronic cash application module feedback accounts information system has generated;
G. ATC, payment cipher and the transaction request ciphertext of accounts information system verification electronic cash application module feedback;
H. the circle described in accounts information system verification is deposited ATC, payment cipher and the transaction request of request, by after carry out accounting processing, upgrade electronic cash account balance;
I. accounts information system generates transaction response cyphertext the capable script command of tectosphere counter foil;
J. accounts information system is to the execution script of electronic cash application module feedback response;
K. in the time that electronic cash application module is received the response of the space transference request that accounts information system returns in the given time, carry out and supplement instruction with money, upgrade electronic cash account balance, and upgrade aerial recharging payment unconfirmed and be recorded as disarmed state;
L. electronic cash application module returns and supplements instruction execution result response with money to accounts information system;
M. accounts information system amendment circle is deposited state for success and is fed back cell-phone customer terminal recharging result and notify;
N. cell-phone customer terminal shows recharging result.
6. method according to claim 5, is characterized in that, described validity response refers to: when aerial recharging payment unconfirmed is recorded as effective status, carry out space transference and rush positive flow process, electronic cash space transference finishes; Otherwise carry out initialization;
In the instruction of described inquiry aerial recharging payment record unconfirmed, comprise transaction counter, user's card number and account balance information.
7. method according to claim 5, is characterized in that, described supplement with money initialization directive comprise transaction response cyphertext and circle deposit script mac check information and upgrade after electronic cash account balance;
Described errored response comprises transaction counter and errored response code information.
8. method according to claim 5, is characterized in that, described step K specifically comprises:
K1. cell-phone customer terminal sends space transference to electronic cash application module and rushes positive initialization directive;
K2. cell-phone customer terminal judges to electronic cash application module whether aerial recharging payment record unconfirmed is effective status, when aerial recharging payment unconfirmed is recorded as effective status, electronic cash application module generates transaction request and ATC, formerly supplement initialization context zero clearing with money, and go to step M3, when aerial recharging payment unconfirmed is recorded as disarmed state, return to errored response;
K3. electronic cash application module returns to the response that comprises ATC, card number, transaction request, former recharging payment ATC and former recharging payment request to cell-phone customer terminal;
K4. cell-phone customer terminal is just asked to the punching of accounts information system transmission space transference, and described space transference punching is just asking to comprise ATC, card number, transaction request, former recharging payment ATC and former recharging payment request;
K5. accounts information system verification space transference rushes ATC and the former recharging payment ATC in just asking, and verifies that space transference rushes transaction request and the former recharging payment request in just asking;
K6. accounts information system is carried out accounting processing, and generates transaction response;
K7. accounts information system is returned and is comprised that the space transference punching of transaction response just responds to cell-phone customer terminal;
K8. cell-phone customer terminal sends and comprises that the space transference of transaction response rushes positive result notice to electronic cash application module;
K9. electronic cash application module checking transaction response, and upgrade aerial recharging payment unconfirmed and be recorded as disarmed state.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410253859.3A CN104008481A (en) | 2014-04-02 | 2014-06-09 | Loading-in-air system and method based on non-contact type mobile payment mobile phone terminal |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410131188 | 2014-04-02 | ||
| CN201410131188.3 | 2014-04-02 | ||
| CN201410253859.3A CN104008481A (en) | 2014-04-02 | 2014-06-09 | Loading-in-air system and method based on non-contact type mobile payment mobile phone terminal |
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| CN104008481A true CN104008481A (en) | 2014-08-27 |
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| CN201410253859.3A Pending CN104008481A (en) | 2014-04-02 | 2014-06-09 | Loading-in-air system and method based on non-contact type mobile payment mobile phone terminal |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105488668A (en) * | 2014-09-16 | 2016-04-13 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for uploading off-line transaction information of SIM card payment application in real time |
| CN107330683A (en) * | 2017-06-29 | 2017-11-07 | 广东舜联通信科技有限公司 | Bank based on UTK cards withholds method and system |
| CN108898388A (en) * | 2018-06-13 | 2018-11-27 | 北京小米移动软件有限公司 | Method of payment and device |
| CN109195120A (en) * | 2018-11-20 | 2019-01-11 | 四川长虹电器股份有限公司 | A method of realizing IOS system and SIM cards of mobile phones application communication |
| CN109525973A (en) * | 2018-11-06 | 2019-03-26 | 四川长虹电器股份有限公司 | The method for realizing iOS client and intelligent SIM cartoon letters |
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| CN103310557A (en) * | 2012-03-15 | 2013-09-18 | 中国移动通信集团公司 | Over-the-air electronic cash loading method, system and device for NFC (near field communication) mobile phone |
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| KR20060098024A (en) * | 2005-03-08 | 2006-09-18 | 이처닷컴 주식회사 | System and method for integrated mobile payment using mobile phone |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN105488668A (en) * | 2014-09-16 | 2016-04-13 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for uploading off-line transaction information of SIM card payment application in real time |
| CN105488668B (en) * | 2014-09-16 | 2020-03-17 | 中国移动通信集团辽宁有限公司沈阳分公司 | Method and system for reporting offline transaction information of SIM card payment application in real time |
| CN107330683A (en) * | 2017-06-29 | 2017-11-07 | 广东舜联通信科技有限公司 | Bank based on UTK cards withholds method and system |
| CN108898388A (en) * | 2018-06-13 | 2018-11-27 | 北京小米移动软件有限公司 | Method of payment and device |
| CN109525973A (en) * | 2018-11-06 | 2019-03-26 | 四川长虹电器股份有限公司 | The method for realizing iOS client and intelligent SIM cartoon letters |
| CN109195120A (en) * | 2018-11-20 | 2019-01-11 | 四川长虹电器股份有限公司 | A method of realizing IOS system and SIM cards of mobile phones application communication |
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