CN104091262A - Method of NFC handset for using prepaid phone card to carry out remote payment - Google Patents
Method of NFC handset for using prepaid phone card to carry out remote payment Download PDFInfo
- Publication number
- CN104091262A CN104091262A CN201410034198.5A CN201410034198A CN104091262A CN 104091262 A CN104091262 A CN 104091262A CN 201410034198 A CN201410034198 A CN 201410034198A CN 104091262 A CN104091262 A CN 104091262A
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- Prior art keywords
- transaction
- user
- stored value
- mobile phone
- card
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Classifications
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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
- G06Q20/085—Payment architectures involving remote charge determination or related payment 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
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- 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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/352—Contactless payments by cards
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- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method of an NFC handset for using a prepaid phone card to carry out remote payment. The method includes the following steps: a user conducts a traction through a network transaction platform and the transaction information is stored in a remote-end server; through a client application of the NFC handset, the user uses a returned transaction unique identification code to download transaction information corresponding to the transaction unique identification code from the remote-end server or all payment-unfinished transaction records which belong to a user account and establishes end-to-end communication interaction of the prepaid phone card and the remote-end server through the client application of the NFC handset and then validity verification of and deduction of a transaction record sum on the prepaid phone card by the remote-end server are further completed. The method uses the prepaid phone card to complete remote payment and has the characteristics of being high in security and convenient to use.
Description
Technical field
The present invention relates to a kind of NFC mobile phone and with stored value card, carry out the method for remote payment.
Background technology
Stored value card (Stored Value Card) is issuing bank or other to be required its fund to go to interior storage according to holder through the have the right business unit of hair fastener of central the People's Bank approval, the direct prepayment wallet type debit card from withholing in blocking during transaction.In order to pay small amount cost, be conventionally used in public service aspect, as bus ticket and phonecard etc., consumer needs first to dealer, buy the stored value card of certain amount of money, thus consumer first pay the bill to consume afterwards, different from credit card.Stored value card claims again prepaid card, consumption card, smart card, accumulating card etc., as the term suggests be exactly the card that post-pay paystation is consumed again.Stored value card may reside in the safety barrier of various ways such as SIM cards of mobile phones, with the SD card of safety chip, is embedded in smart card and non-contact IC card in mobile phone, NFC mobile phone can with the Serial Communication that sticks into of these several forms.Conventionally stored value card, because its function of value storage is on card, be take near field payment like this as main on form of payment.
Summary of the invention
The object of the present invention is to provide a kind of method of using stored value card to complete remote payment.
NFC mobile phone carries out a method for remote payment with stored value card, comprise the steps:
Step 1, user conclude the business by network trading platform, and this Transaction Information is stored in far-end server, and Transaction Information can comprise dealing money, transaction unique identification code, exchange hour, transaction content and user account; Described transaction unique identification code can be by NFC handset identity energy unique identification Transaction Information, and this transaction unique identification code can be the form that character string, sequence number, one dimension, Quick Response Code or URL connect; Described user account is the account that user opens at network trading platform, can unique identification user;
When step 2, this Transaction Information are stored in far-end server, return to transaction unique identifier to user;
Step 3, user are by the client application of NFC mobile phone, the transaction unique identifier that utilization is returned or user account number are downloaded and the corresponding Transaction Information of this transaction unique identifier or all transaction records that do not complete payment that belong to above-mentioned user account from far-end server, if many transaction records, user selects the transaction record that will pay;
Step 4, after the transaction record that obtains Transaction Information or selected to pay, user can adopt by the client application of NFC mobile phone the stored value card on any one safety barrier to pay, when if stored value card is SIM card, SD card or mobile phone built-in type chip, the client application utilization of NFC mobile phone and the communication interface of these safety barriers are set up stored value card and the end-to-end communication interaction of remote server, and further complete far-end server to the validity authentication of stored value card and the button of drawing to dealing money; When if stored value card is non-contact IC card, use the card reader pattern of NFC mobile phone, user can touch the NFC antenna reception region that snaps into NFC mobile phone and start delivery operation, by the client application of this NFC mobile phone, set up stored value card and the end-to-end communication interaction of far-end server, and further complete far-end server to the validity authentication of stored value card and the button of drawing to the transaction record amount of money;
After step 5, transaction record have paid, far-end server upgrades the pay status of transaction record in this user account, and in mode initiatively or passively, notifies above-mentioned network trading platform by the pay status of the transaction record of renewal.
Adopt technical scheme of the present invention, utilize stored value card to complete remote payment and there is following several advantage:
(1) safe low with risk
Stored value card can be anonymous, the information such as disbursement account and password are provided without user when paying, remote server can carry out end-to-end authentication to card, only have effective and have the stored value card of sufficient remaining sum just can pay, this has just been avoided in payment process, the possibility that user sensitive information is stolen;
(2) convenient
The popularity rate of stored value card is very high, and user while using stored value card to complete to pay without authentication links such as input account and passwords, simplified to a great extent payment process;
(3) very competitive transaction fee
Because stored value card is generally used for large-scale small amount payment, such as public transport etc., the ratio of the shared dealing money of its transaction fee is very little, have even without transaction fee, compared with other form of payment, have the very large market competitiveness like this.
Embodiment
A kind of NFC mobile phone of the present invention carries out the method for remote payment with stored value card, comprise the steps:
Step 1, user conclude the business by network trading platform, and this Transaction Information is stored in far-end server, and Transaction Information can comprise dealing money, transaction unique identification code, exchange hour, transaction content and user account; Described transaction unique identification code can be by NFC handset identity energy unique identification Transaction Information, and this transaction unique identification code can be the form that character string, sequence number, one dimension, Quick Response Code or URL connect; Described user account is the account that user opens at network trading platform, can unique identification user;
When step 2, this Transaction Information are stored in far-end server, return to transaction unique identifier to user;
Step 3, user are by the client application of NFC mobile phone, the transaction unique identifier that utilization is returned or user account number are downloaded and the corresponding Transaction Information of this transaction unique identifier or all transaction records that do not complete payment that belong to above-mentioned user account from far-end server, if many transaction records, user selects the transaction record that will pay;
Step 4, after the transaction record that obtains Transaction Information or selected to pay, user can select the stored value card on any one safety barrier to pay by the client application of NFC mobile phone, when if stored value card is SIM card, SD card or mobile phone built-in type chip, the client application utilization of NFC mobile phone and the communication interface of these safety barriers are set up stored value card and the end-to-end communication interaction of remote server, and further complete far-end server to the validity authentication of stored value card and the button of drawing to dealing money; When if stored value card is non-contact IC card, use the card reader pattern of NFC mobile phone, user can touch the NFC antenna reception region that snaps into NFC mobile phone and start delivery operation, by the client application of this NFC mobile phone, set up stored value card and the end-to-end communication interaction of far-end server, and further complete far-end server to the validity authentication of stored value card and the button of drawing to the transaction record amount of money;
After step 5, transaction record have paid, far-end server upgrades the pay status of transaction record in this user account, and in mode initiatively or passively, notifies above-mentioned network trading platform by the pay status of the transaction record of renewal.
The above, it is only preferred embodiment of the present invention, not technical scope of the present invention is imposed any restrictions, therefore any trickle modification, equivalent variations and modification that every foundation technical spirit of the present invention is done above embodiment all still belong in the scope of technical solution of the present invention.
Claims (1)
1. NFC mobile phone carries out a method for remote payment with stored value card, it is characterized in that comprising the steps:
Step 1, user conclude the business by network trading platform, and this Transaction Information is stored in far-end server, and Transaction Information can comprise dealing money, transaction unique identification code, exchange hour, transaction content and user account; Described transaction unique identification code can be by NFC handset identity energy unique identification Transaction Information, and this transaction unique identification code can be the form that character string, sequence number, one dimension, Quick Response Code or URL connect; Described user account is the account that user opens at network trading platform, can unique identification user;
When step 2, this Transaction Information are stored in far-end server, return to transaction unique identifier to user;
Step 3, user are by the client application of NFC mobile phone, the transaction unique identifier that utilization is returned or user account number are downloaded and the corresponding Transaction Information of this transaction unique identifier or all transaction records that do not complete payment that belong to above-mentioned user account from far-end server, if many transaction records, user selects the transaction record that will pay;
Step 4, after the transaction record that obtains Transaction Information or selected to pay, user can adopt by the client application of NFC mobile phone the stored value card on any one safety barrier to pay, when if stored value card is SIM card, SD card or mobile phone built-in type chip, the client application utilization of NFC mobile phone and the communication interface of these safety barriers are set up stored value card and the end-to-end communication interaction of remote server, and further complete far-end server to the validity authentication of stored value card and the button of drawing to dealing money; When if stored value card is non-contact IC card, use the card reader pattern of NFC mobile phone, user can touch the NFC antenna reception region that snaps into NFC mobile phone and start delivery operation, by the client application of this NFC mobile phone, set up stored value card and the end-to-end communication interaction of far-end server, and further complete far-end server to the validity authentication of stored value card and the button of drawing to the transaction record amount of money;
After step 5, transaction record have paid, far-end server upgrades the pay status of transaction record in this user account, and in mode initiatively or passively, notifies above-mentioned network trading platform by the pay status of the transaction record of renewal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410034198.5A CN104091262A (en) | 2014-01-24 | 2014-01-24 | Method of NFC handset for using prepaid phone card to carry out remote payment |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410034198.5A CN104091262A (en) | 2014-01-24 | 2014-01-24 | Method of NFC handset for using prepaid phone card to carry out remote payment |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104091262A true CN104091262A (en) | 2014-10-08 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410034198.5A Pending CN104091262A (en) | 2014-01-24 | 2014-01-24 | Method of NFC handset for using prepaid phone card to carry out remote payment |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104574047A (en) * | 2015-01-21 | 2015-04-29 | 孙国华 | Financial IC card payment platform based on Internet |
| CN108053208A (en) * | 2018-01-02 | 2018-05-18 | 阿里巴巴集团控股有限公司 | The method and apparatus that payment is realized based on Radio Frequency Identification Technology |
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| CN101136092A (en) * | 2006-08-29 | 2008-03-05 | 上海融兴网络科技有限公司 | Method for charging using saving type handhold mobile equipment |
| CN101751628A (en) * | 2008-12-05 | 2010-06-23 | 富港电子（东莞）有限公司 | Wireless trading system and trading method thereof |
| CN101887617A (en) * | 2010-07-13 | 2010-11-17 | 武汉天喻信息产业股份有限公司 | Method and system for establishing data channel of mobile payment |
| CN102117520A (en) * | 2009-12-31 | 2011-07-06 | 亿阳信通股份有限公司 | Integrated circuit (IC) card-based payment method, management device, server and mobile terminal |
| CN102496112A (en) * | 2011-11-24 | 2012-06-13 | 烽火通信科技股份有限公司 | Three-screen payment system based on intelligent SD card and realization method thereof |
-
2014
- 2014-01-24 CN CN201410034198.5A patent/CN104091262A/en active Pending
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101136092A (en) * | 2006-08-29 | 2008-03-05 | 上海融兴网络科技有限公司 | Method for charging using saving type handhold mobile equipment |
| CN101751628A (en) * | 2008-12-05 | 2010-06-23 | 富港电子（东莞）有限公司 | Wireless trading system and trading method thereof |
| CN102117520A (en) * | 2009-12-31 | 2011-07-06 | 亿阳信通股份有限公司 | Integrated circuit (IC) card-based payment method, management device, server and mobile terminal |
| CN101887617A (en) * | 2010-07-13 | 2010-11-17 | 武汉天喻信息产业股份有限公司 | Method and system for establishing data channel of mobile payment |
| CN102496112A (en) * | 2011-11-24 | 2012-06-13 | 烽火通信科技股份有限公司 | Three-screen payment system based on intelligent SD card and realization method thereof |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104574047A (en) * | 2015-01-21 | 2015-04-29 | 孙国华 | Financial IC card payment platform based on Internet |
| CN108053208A (en) * | 2018-01-02 | 2018-05-18 | 阿里巴巴集团控股有限公司 | The method and apparatus that payment is realized based on Radio Frequency Identification Technology |
| TWI729790B (en) * | 2018-01-02 | 2021-06-01 | 開曼群島商創新先進技術有限公司 | Method and device for realizing payment based on radio frequency identification technology |
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Application publication date: 20141008 |