CN104123646A - Composite type mobile uKey and electronic wallet payment system - Google Patents
Composite type mobile uKey and electronic wallet payment system Download PDFInfo
- Publication number
- CN104123646A CN104123646A CN201410348634.6A CN201410348634A CN104123646A CN 104123646 A CN104123646 A CN 104123646A CN 201410348634 A CN201410348634 A CN 201410348634A CN 104123646 A CN104123646 A CN 104123646A
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- Prior art keywords
- ukey
- mobile
- payment system
- electronic wallet
- bank
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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
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The invention provides a composite type mobile uKey and an electronic wallet payment system. The electronic wallet payment system comprises the composite type mobile uKey, a sale terminal and a bank back-end; the composite type mobile uKey comprises an electronic wallet function unit for electronic cash transaction with the sale terminal; the sale terminal is communicated with the bank back-end and used for transaction liquidation with the bank back-end after credit-card consumption of the composite type mobile uKey; the bank back-end is used for managing electronic cash accounts and cardholder main account information of users. According to the composite type mobile uKey and the electronic wallet payment system, the mobile uKey achieves an on-line payment personal identity voucher function and an off-line electronic wallet payment function simultaneously, an electronic wallet can be managed through online banking or mobile banking, and the application of the electronic wallet is expanded through the mobile uKey, so that using convenience to the users and electronic wallet management operations of the users are facilitated.
Description
Technical field
The present invention relates to pay by mails technical field, relate in particular to a kind of compound mobile uKey and Payment System of Electronic Purse.
Background technology
Along with social development, increasing people realizes the small amount payment under line with stored value card, these stored value cards for payment function are generally all arranged in corresponding smart card, as mass transit card, purchase card etc., the use of smart card greatly facilitates daily life, and all stored value cards all will meet China's finance integrated circuit card standard (being PBOC standard).
UKey (USBKey, safety certification terminal/authentication token/intelligent code key) be that a kind of USB (Universal Serial BUS, USB (universal serial bus)) of passing through or bluetooth are directly connected, have cryptographic authorization functions, reliable small-sized safety equipment at a high speed with computing machine or mobile intelligent terminal.The small and exquisite exquisiteness of design of uKey, easy to carry, the memory that uKey self possesses can be used for storing some personal information or certificate, and the inner cipher algorithm of uKey can provide safe pipeline for data transmission.UKey is the security protection product that is applicable to unit or network application.In internet payment field, uKey, as personal identification voucher, has played crucial financial security effect.
But the concept of stored value card is not outstanding in current mobile payment means; On the other hand, the function singleness of mobile uKey, only limits to carry out operational line, can not carry out business under line, if by both combinations, certainly will will greatly facilitate application.
Summary of the invention
The object of the present invention is to provide a kind of compound mobile uKey and Payment System of Electronic Purse, stored value card payment function under the personal identification voucher function while mobile uKey being had simultaneously pay on line and line, facilitates user to apply greatly.
The object of the invention is to be achieved through the following technical solutions.
A compound mobile uKey, with bank client communication connection, it comprises display unit, communication interface; Also comprise electronic purse function unit, for carrying out electronic cash transaction with point-of-sale terminal.
Preferably, described electronic purse function unit further comprises:
Stored value card storage unit, preserves electronic purse balance amount and transaction record for safety;
E-wallet implementation unit, for enclosing, deposit, enclose carry, enchashment, consume operations;
Security control unit, for controlling operating right, Spending Limit and the limit of overdrawn account management of stored value card.
Preferably, described communication interface comprises: USB interface, blue tooth interface and/or NFC interface.
A Payment System of Electronic Purse, comprises compound mobile uKey, point-of-sale terminal and bank backstage;
Described in described compound mobile uKey is as above arbitrary, for carrying out electronic cash transaction with point-of-sale terminal;
Described point-of-sale terminal, Qi Yu bank Background communication connects, and on compound mobile uKey bankcard consumption Hou Yu bank backstage, carries out clearing transactions;
Described bank backstage, for managing each user's electronic cash account and holder's main account information.
Preferably, also comprise office terminal, it is equiped with bank client, with described compound mobile uKey and bank backstage respectively communication be connected, for the stored value card to compound mobile uKey, manage.
Preferably, described point-of-sale terminal is specially POS machine, or is equiped with the intelligent terminal of POS functional software;
Described intelligent terminal comprises: mobile phone, PAD, notebook or PC computer.
Preferably, described office terminal is specially mobile phone, PAD, notebook or PC computer.
Compared with prior art, beneficial effect is in the present invention:
In the embodiment of the present invention, mobile uKey has realized stored value card payment function under personal identification voucher function while paying on line and line simultaneously, can pass through Web bank or Mobile banking's managing electronic wallet, by mobile uKey, expanded the application of stored value card, not only have great convenience for the user to use, and facilitate the bookkeeping of user to stored value card.
Accompanying drawing explanation
The principle assumption diagram of the compound mobile uKey that Fig. 1 provides for the embodiment of the present invention;
The principle assumption diagram of the Payment System of Electronic Purse that Fig. 2 provides for the embodiment of the present invention;
The transaction flow figure mono-that Fig. 3 provides for the embodiment of the present invention;
The transaction flow figure bis-that Fig. 4 provides for the embodiment of the present invention.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
Refer to Fig. 1, in the present embodiment, compound mobile uKey comprises: basic functional units, be some functional units that traditional mobile uKey has, as secure storage unit, core encryption/decryption element, display unit, communication interface (comprising USB interface, blue tooth interface and/or NFC interface) etc.; Also comprise electronic purse function unit, for realizing electronic purse function.
Particularly, electronic purse function unit comprises: stored value card storage unit, e-wallet implementation unit, security control unit, its external interface meets < < China's finance integrated circuit (IC) calliper model > >.Wherein, stored value card storage unit, preserves electronic purse balance amount and transaction record for safety; E-wallet implementation unit, for enclosing, deposit, enclose carry, enchashment, consume operations; Security control unit, for controlling operating right, Spending Limit and the limit of overdrawn account management of stored value card.
Above-mentioned NFC interface can be compatible with the excuse of the non-contact IC card of PBOC standard definition, and like this, compound mobile uKey can be used on contactless POS terminal device.
Refer to Fig. 2, in the present embodiment, Payment System of Electronic Purse comprises: compound mobile uKey, point-of-sale terminal, office terminal, bank backstage.Apply compound mobile uKey, point-of-sale terminal and bank backstage, can realize small amount payment; Utilize office terminal and bank backstage, can the stored value card in compound mobile uKey be managed.
As shown in Figure 1, its internal operation has the debit/credit application program that meets < < China's finance integrated circuit (IC) calliper model > > also to individualize, can carry out electronic cash transaction to the structure of compound mobile uKey.Utilize transaction flow figure that this compound mobile uKey carries out small amount payment as shown in Figure 3 and Figure 4.
Point-of-sale terminal, refer to that any and above-mentioned standard debit/credit applies compatible financial IC card terminal, can support or not support to carry out on-line transaction, compound mobile uKey is carried out to bankcard consumption, and clear offline transaction, authorize and clear on-line transaction with holder's main account with electronic cash account.In actual applications, this point-of-sale terminal can be POS machine, also can for operation, have the other-end equipment of POS functional software, as mobile phone, PAD, notebook or PC computer.
Bank backstage, for managing each user's electronic cash account and holder's main account, carries out communication with office terminal and point-of-sale terminal.
Office terminal, it is equiped with bank client, carry out wireless telecommunications with bank backstage, or bluetooth wired with compound mobile uKey is connected, for the stored value card of compound mobile uKey being supplemented with money, enclosing, carry, the various bookkeepings such as inquiry, specifically can adopt mobile phone, PAD, notebook or PC computer.
To sum up, utilize the above-mentioned mobile uKey with compound function, can realize on line payment function under payment function and line, the little amount of money that greatly facilitates user pays, and facilitates the management of user to stored value card.
The foregoing is only preferred embodiment of the present invention, not in order to limit the present invention, all any modifications of doing within the spirit and principles in the present invention, be equal to and replace and improvement etc., within all should being included in protection scope of the present invention.
Claims (7)
1. a compound mobile uKey, communicates to connect with bank client, and it comprises display unit, communication interface; It is characterized in that, also comprise electronic purse function unit, for carrying out electronic cash transaction with point-of-sale terminal.
2. compound mobile uKey as claimed in claim 1, is characterized in that, described electronic purse function unit further comprises:
Stored value card storage unit, preserves electronic purse balance amount and transaction record for safety;
E-wallet implementation unit, for enclosing, deposit, enclose carry, enchashment, consume operations;
Security control unit, for controlling operating right, Spending Limit and the limit of overdrawn account management of stored value card.
3. compound mobile uKey as claimed in claim 1, is characterized in that, described communication interface comprises: USB interface, blue tooth interface and NFC interface.
4. a Payment System of Electronic Purse, is characterized in that, comprises compound mobile uKey, point-of-sale terminal and bank backstage;
As described in described compound mobile uKey is as arbitrary in claims 1 to 3, for carrying out electronic cash transaction with point-of-sale terminal;
Described point-of-sale terminal, Qi Yu bank Background communication connects, and on compound mobile uKey bankcard consumption Hou Yu bank backstage, carries out clearing transactions;
Described bank backstage, for managing each user's electronic cash account and holder's main account information.
5. Payment System of Electronic Purse as claimed in claim 4, it is characterized in that, also comprise office terminal, it is equiped with bank client, with described compound mobile uKey and bank backstage respectively communication be connected, for the stored value card to compound mobile uKey, manage.
6. Payment System of Electronic Purse as claimed in claim 5, is characterized in that, described point-of-sale terminal is specially POS machine, or is equiped with the intelligent terminal of POS functional software;
Described intelligent terminal comprises: mobile phone, PAD, notebook or PC computer.
7. Payment System of Electronic Purse as claimed in claim 5, is characterized in that, described office terminal is specially mobile phone, PAD, notebook or PC computer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410348634.6A CN104123646A (en) | 2014-07-21 | 2014-07-21 | Composite type mobile uKey and electronic wallet payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410348634.6A CN104123646A (en) | 2014-07-21 | 2014-07-21 | Composite type mobile uKey and electronic wallet payment system |
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| CN104123646A true CN104123646A (en) | 2014-10-29 |
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| CN201410348634.6A Pending CN104123646A (en) | 2014-07-21 | 2014-07-21 | Composite type mobile uKey and electronic wallet payment system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN104820919A (en) * | 2015-04-20 | 2015-08-05 | 广东商联支付网络技术有限公司 | On-line and off-line mobile payment service platform |
| CN105096118A (en) * | 2015-08-21 | 2015-11-25 | 廖小谦 | Electronic currency transfer payment system and method |
| CN106327184A (en) * | 2016-08-22 | 2017-01-11 | 中国科学院信息工程研究所 | Intelligent mobile terminal payment system and intelligent mobile terminal payment method based on safe hardware isolation |
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| CN101882233A (en) * | 2010-06-02 | 2010-11-10 | 方亚南 | Multifunctional chip card |
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| CN103778713A (en) * | 2012-10-24 | 2014-05-07 | 航天信息股份有限公司 | Financial ic card system |
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2014
- 2014-07-21 CN CN201410348634.6A patent/CN104123646A/en active Pending
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| CN1845184A (en) * | 2006-04-30 | 2006-10-11 | 北京飞天诚信科技有限公司 | Intelligent key apparatus with electronic purse function |
| CN101211451A (en) * | 2007-12-21 | 2008-07-02 | 北京飞天诚信科技有限公司 | Redepositing system and method based on digital sign |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104820919A (en) * | 2015-04-20 | 2015-08-05 | 广东商联支付网络技术有限公司 | On-line and off-line mobile payment service platform |
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| CN106327184A (en) * | 2016-08-22 | 2017-01-11 | 中国科学院信息工程研究所 | Intelligent mobile terminal payment system and intelligent mobile terminal payment method based on safe hardware isolation |
| CN106327184B (en) * | 2016-08-22 | 2019-09-13 | 中国科学院信息工程研究所 | A kind of mobile intelligent terminal payment system and method based on secure hardware isolation |
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Application publication date: 20141029 |