CN104392347B - A kind of account application method, creation method, relevant device and system - Google Patents
A kind of account application method, creation method, relevant device and system Download PDFInfo
- Publication number
- CN104392347B CN104392347B CN201410573708.6A CN201410573708A CN104392347B CN 104392347 B CN104392347 B CN 104392347B CN 201410573708 A CN201410573708 A CN 201410573708A CN 104392347 B CN104392347 B CN 104392347B
- Authority
- CN
- China
- Prior art keywords
- user
- account
- mobile payment
- service end
- client
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Active
Links
Classifications
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The embodiment of the invention discloses a kind of account application method, creation method, relevant device and system, account creation method includes：Client obtains the mobile payment account application request of user's input；Detect whether user has available electron cash account；If the existing available electron cash account of user, mobile payment account application request is sent to service end；The information for the mobile payment account created for user that service end returns is received, service end binds the mobile payment account created for user and the existing available electron cash account of user；The information of the mobile payment account received is write into safety chip.The embodiment of the present invention can realize offline electronic payment, improve the security of fund, and avoid multiple electronic cash account maintenances with using the inconvenience brought.
Description
Technical field
The present embodiments relate to communication technical field, more particularly to a kind of account application method, creation method, correlation to set
Standby and system.
Background technology
Mobile payment is also referred to as mobile-phone payment, is to allow holder using its mobile terminal (being typically mobile phone) to being consumed
Commodity or service carry out account payment a kind of method of service.Unit or individual pass through mobile device, internet or low coverage
Directly or indirectly payment instruction is sent from sensing to bank finance mechanism and produces currency Zhi Fuyu fund displacement behaviors, so as to realize
Mobile payment function.Near-field communication (Near Field Communication, NFC) is also known as wireless near field communication, is a kind of
The high frequency wireless communication technology of short distance (being less than 10CM).Because near-field communication has natural security, therefore, NFC technique
There is very wide application prospect in mobile payment field.
At present, the mobile payment in China mainly by People's Bank of China, Unionpay, each business bank, telecom operators and
Some Internet firms are promoted, and have been proposed respective mobile payment product, can be largely classified into following several：
Without card remote payment：I.e. the Transaction Informations such as account number cipher are sent to center by holder by mobile phone client software
System, completes transaction, and safety of payment is completely dependent on mobile phone client software.
There is card remote payment：The data of financial IC card are prefabricated in mobile phone, workable medium have SD card, SIM card or
The class of memory three of person's mobile phone itself.When holder initiates transaction, mobile phone client software carries out safety certification with financial IC card
Afterwards, transaction is sent to centring system.
There is the payment of card near field：The mobile phone of prefabricated financial IC card data must also have near field interaction capabilities, such as NFC work(
Can, holder can interact by the non-equipment that connects of mobile phone and trade company POS and complete to merchandise.
According to the market survey of banking, there is the bank client to open an account in bank at home, and average everyone holds debit card 3
, credit card (credit card) 2 is held, regardless of whether debit and credit card, has an electronic cash account in every bank card, can
For carrying out near field mobile payment.Multiple bank cards can be integrated in same Zhang Shouji peaces by the aerial hair fastener technology of mobile payment card
On full chip, but so more bank cards is brought that multiple disposal environments are identical, function identical electronic cash account, to client
Bring the worry safeguarded and used.
Meanwhile electronic cash account is essential again.Existing method of mobile payment is mostly by Third-party payment
The long-range no card method of payment based on mobile Internet that company releases, first, this method of mobile payment has directly got around electricity
Sub- cash account, it is desirable to which user supplements with money into third party's account in advance or binds appointed bank's card in advance, is brought to account safety
Certain risk；Secondly, this method of mobile payment requirement mobile device when being consumed will be in networking state, otherwise
It will be unable to be consumed.Solved the above problems therefore, it is necessary to provide a kind of new method.
The content of the invention
In view of this, the embodiments of the invention provide a kind of account application method, creation method, relevant device and system,
Offline electronic payment can be realized, improves the security of fund, and avoids multiple electronic cash account maintenances and is brought not with using
Just.
In a first aspect, the embodiments of the invention provide a kind of account application method, including：
Client obtains the mobile payment account application request of user's input；
The client detects whether the user has available electron cash account；
If the existing available electron cash account of the user, the client send the mobile payment account to service end
Family application request；
The client receives the information for the mobile payment account created for the user that the service end returns, described
Service end binds the mobile payment account created for the user and the existing available electron cash account of the user；
The information of the mobile payment account received is write safety chip by the client.
Alternatively, whether the client detection user has available electron cash account and specifically includes：
The client detects the information that electronic cash account whether is preserved in the safety chip；
If so, then the client sends the verification request for the electronic cash account to the service end；
If the client receives the verification success message that the service end returns, prove that the user can use
Electronic cash account.
Alternatively, methods described also includes：
If the user does not have available electron cash account, the client sends the mobile branch to the service end
The application request for family and the electronic cash account corresponding with the mobile payment account of paying a bill；
The client receives the mobile payment account created for the user and the corresponding electricity that the service end returns
The information of sub- cash account；
The information of the mobile payment account received and corresponding electronic cash account is write the peace by the client
Full chip.
Alternatively, user profile is included in the mobile payment account application request, the user profile is used for described
Service end is that the user is audited before the user creates the mobile payment account.
Second aspect, the embodiments of the invention provide a kind of account creation method, including：
Service end receives the mobile payment account application request that client is sent；
The service end is audited to user；
When examination ＆ verification passes through, the service end is that the user creates mobile payment account, and the mobile branch that will be created
The existing available electron cash account of family and the user of paying a bill is bound；
The information of the mobile payment account created for the user is sent to the client by the service end.
Alternatively, methods described also includes：
The service end receives the mobile payment account that the client sends and corresponding with the mobile payment account
The application request of electronic cash account；
The service end is audited to user；
When examination ＆ verification passes through, the service end is that the user creates mobile payment account and corresponding electronic cash account
Family；
The service end sends out the information of the mobile payment account created for the user and corresponding electronic cash account
Give the client.
Alternatively, before the mobile payment account application request that the service end receives that client is sent, methods described
Also include：
The service end receives the verification for the existing electronic cash account of the user that client is sent and asked；
The service end verifies to the existing electronic cash account of the user, and when verifying successfully, to institute
State client and send verification success message.
Alternatively, the service end carries out examination ＆ verification to user includes：
The user profile that the service end includes in being asked according to the mobile payment account application is carried out to the user
Examination ＆ verification, or the service end are examined the user according to the user in the user profile that the service end is reserved
Core.
The third aspect, the embodiments of the invention provide a kind of client, including：
Acquiring unit, for obtaining the mobile payment account application request of user's input；
Detection unit, for detecting whether the user has available electron cash account；
Transmitting element, for when the detection unit detects the existing available electron cash account of the user, to clothes
Business end sends the mobile payment account application request；
Receiving unit, the information of the mobile payment account created for the user returned for receiving the service end,
The service end will tie up for the mobile payment account that the user creates and the existing available electron cash account of the user
It is fixed；
Writing unit, the information of the mobile payment account for the receiving unit to be received write safety chip.
Alternatively, the detection unit specifically includes：
Detection sub-unit, the information of electronic cash account whether is preserved in the safety chip for detecting；
Transmission sub-unit, for preserving electronic cash account in detecting the safety chip in the detection sub-unit
Information when, to the service end send for the electronic cash account verification ask；
Receiving subelement, the verification success message returned for receiving the service end, the verification success message card
The existing available electron cash account of the bright user.
Alternatively, the transmitting element is additionally operable to, and detects that the user does not have available electron to show in the detection unit
During golden account, the mobile payment account and electronic cash account corresponding with the mobile payment account are sent to the service end
The application request at family；
The receiving unit is additionally operable to, receive the mobile payment account created for the user that the service end returns and
The information of corresponding electronic cash account；
Said write unit is additionally operable to, the mobile payment account that the receiving unit is received and corresponding electronic cash
The information of account writes the safety chip.
Alternatively, user profile is included in the mobile payment account application request that the transmitting element is sent, it is described
It is that the user is audited before the user creates the mobile payment account that user profile, which is used in the service end,.
Fourth aspect, the embodiments of the invention provide a kind of service end, including：
Receiving unit, for receiving the mobile payment account application request of client transmission；
Unit is audited, for being audited to user；
Creating unit, for when the examination ＆ verification unit examination ＆ verification passes through, mobile payment account to be created for the user, and will
The mobile payment account created is bound with the existing available electron cash account of the user；
Transmitting element, for the information of the mobile payment account created for the user to be sent into the client.
Alternatively, the receiving unit is additionally operable to, receive mobile payment account that the client sends and with the shifting
The application request of electronic cash account corresponding to dynamic payment account；
The examination ＆ verification unit is additionally operable to, and the user is audited；
The creating unit is additionally operable to, and when the examination ＆ verification unit examination ＆ verification passes through, mobile payment account is created for the user
Family and corresponding electronic cash account；
The transmitting element is additionally operable to, by the mobile payment account created for the user and corresponding electronic cash account
Information be sent to the client.
Alternatively, the receiving unit is additionally operable to, and is receiving the mobile payment account application request of the client transmission
Before, the verification for the existing electronic cash account of the user that client is sent is received to ask；
The service end also includes：
Verification unit, for verifying to the existing electronic cash account of the user；
The transmitting element is additionally operable to, and when verifying successfully, verification success message is sent to the client.
Alternatively, the examination ＆ verification unit is specifically used for, the user included in being asked according to the mobile payment account application
Information is audited to the user, or according to the user the service end reserve the user profile to the use
Audited at family.
5th aspect, the embodiments of the invention provide a kind of account creation system, the account creation system includes the 3rd
The client provided in the optional embodiment of any one of aspect or the third aspect, and fourth aspect or fourth aspect
The service end provided in any one optional embodiment.
As can be seen from the above technical solutions, the embodiment of the present invention has advantages below：
In the embodiment of the present invention, client can be examined first after the mobile payment account application request of user's input is obtained
Survey whether user has available electron cash account, if the existing available electron cash account of user, sends to service end and move
Payment account application is asked, and is then received the information for the mobile payment account created for user that service end returns, will be received
Mobile payment account information write-in safety chip.In the embodiment of the present invention, if the existing available electron cash account of user,
Then client only asks mobile payment account to service end, and service end can be by the mobile payment account created for user and user
Some available electron cash account bindings, that is, realize multiple mobile payment accounts and share an electronic cash account, Ran Houke
Offline electronic payment is realized in family end using the electronic cash account, improves the security of fund, and avoids multiple electronic cash
Account maintenance is with using the inconvenience brought.
Brief description of the drawings
In order to illustrate the technical solution of the embodiments of the present invention more clearly, needed for being described below to the embodiment of the present invention
The accompanying drawing to be used is briefly described, it should be apparent that, drawings in the following description are only some embodiments of the present invention,
For those skilled in the art, other accompanying drawings can also be obtained such as these accompanying drawings.
Fig. 1 is account application method one embodiment schematic diagram of the present invention；
Fig. 2 is another embodiment schematic diagram of account application method of the present invention；
Fig. 3 is account creation method one embodiment schematic diagram of the present invention；
Fig. 4 is another embodiment schematic diagram of account creation method of the present invention；
Fig. 5 is client one embodiment schematic diagram of the present invention；
Fig. 6 is another embodiment schematic diagram of client of the present invention；
Fig. 7 is service end one embodiment schematic diagram of the present invention；
Fig. 8 is another embodiment schematic diagram of service end of the present invention；
Fig. 9 is account creation system one embodiment schematic diagram of the present invention.
Embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete
Site preparation describes, it is clear that described embodiment is only part of the embodiment of the present invention, rather than whole embodiments.It is based on
Embodiment in the present invention, the every other embodiment that those skilled in the art are obtained, belongs to the scope of protection of the invention.
The embodiments of the invention provide a kind of account application method, creation method, relevant device and system, can realize from
Line is paid, and improves the security of fund, and avoids multiple electronic cash account maintenances with using the inconvenience brought.
Referring to Fig. 1, account creation method one embodiment of the present invention includes：
101st, client obtains the mobile payment account application request of user's input；
When user needs newly to open a mobile payment account, can initiate the application of mobile payment account by client please
Ask, the client of the present embodiment can be the mobile terminals such as mobile phone, tablet personal computer.
102nd, whether client detection user has available electron cash account；
Because can be that each mobile payment account of user establishes corresponding electronic cash account in existing card sending system
Family, if user applied for other mobile payment accounts before, corresponding electronics is just stored with the safety chip of client
The information of cash account.Therefore, in the present embodiment, information that client can be stored by detecting in safety chip detects user
Whether have electronic cash account, and verify whether the existing electronic cash account of user can use by service end.This implementation
The safety chip that example is mentioned can be safe digital card (Secure Digital Memory Card) SD card or user identity
Identification card (Subscriber Identity Module) SIM card.
Specifically, a storage whether there is electronic cash application identities in the safety chip of client
(Application Identity) AID flag bit, client detects the zone bit information first, if flag bit is shown as
Electronic cash account be present, then client will also initiate the verification request of electronic cash account to service end, with examine client and
Whether consistent service client information, such as consistent, service end can send verification success message to client, thus it is considered that user
Have electronic cash account and the electronic cash account can normal use；As information is inconsistent, it is defined by servicing client information, visitor
Family end subsequently carries out flag bit replacement so that client-server end both ends synchronizing information.If flag bit shows as electronic cash
Account is not present, then it is believed that electronic cash account is not present.
103rd, when the existing available electron cash account of user, client sends the mobile payment account Shen to service end
It please ask；
If the existing available electron cash account of user, when user applies for new mobile payment account, client is with regard to only
The application of mobile payment account is sent to service end to ask, and electronic cash account no longer apply simultaneously corresponding to.
104th, client receives the information for the mobile payment account created for user that service end returns, and service end will be
The mobile payment account that user creates is bound with the existing available electron cash account of user；
After service end receives the mobile payment account application request of client transmission, the identity of user can be examined
Core.In the specific implementation, service end is examined in being asked using the application of mobile payment account comprising user's information identity
Core, these user profile need user to be inputted in the lump when initiating mobile payment account application request, in addition, service end can also
Audited using user in the user's information identity that service end is reserved, preferably second, can so improve and open an account
Efficiency.
After examination ＆ verification passes through, service end is that user creates mobile payment account, and the mobile payment that will be created for user
Account is bound with the existing available electron cash account of user, and the letter of the mobile payment account newly created is then sent to client
Breath, client receive the information for the mobile payment account that service end is sent.
105th, the information of the mobile payment account received is write safety chip by client.
The information of write-in safety chip includes the application identities AID of mobile payment account, certainly, is also included in safety chip
The AID of the existing available electron cash account of user.When the information stored in chip safe to use carries out near field payment, automatically
The specification that the equipment such as automatic teller machine ATM and point of sales terminal POS can all follow People's Bank of China PBOC is read in safety chip closely
Apart from payment system environment PPSE information, client provides the function of " setting preferred card ", can be by customer selecting electronic cash
Account is done the account paid and write the AID of the account in PPSE, the process of exchange of payment environment (ATM or POS) near field
It is that the AID of electronic cash account and consumption information are uploaded to bank service end, follow-up account action is completed by bank service end.
In the present embodiment, when user applies for new mobile payment account, client can detect whether user can use
Electronic cash account, if the existing available electron cash account of user, client only ask mobile payment account to service end,
Service end can bind the mobile payment account created for user and the existing available electron cash account of user, that is, realize more
Individual mobile payment account shares an electronic cash account, and then client realizes offline branch using the electronic cash account
Pay, improve the security of fund, and avoid multiple electronic cash account maintenances with using the inconvenience brought.
Above embodiment is described when the existing available electron cash account of user, the method for client application account,
It is explained below when user does not have available electron cash account, the method for client application account, referring to Fig. 2, this implementation
The method of example includes：
201st, client obtains the mobile payment account application request of user's input；
202nd, whether client detection user has available electron cash account；
203rd, when user does not have available electron cash account, client to service end send mobile payment account and with shifting
The application request of electronic cash account corresponding to dynamic payment account；
204th, client receives the mobile payment account created for user and the corresponding electronic cash account that service end returns
The information at family；
205th, the information of the mobile payment account received and corresponding electronic cash account is write safe core by client
Piece.
In the present embodiment, only when user does not have available electron cash account, client just can be simultaneously to service end Shen
Please mobile payment account and electronic cash account, avoid multiple electronic cash account maintenances with using the inconvenience that brings.
Both the above embodiment describes account application method from the angle of client, below will be with two embodiments from clothes
The angle at business end introduces account creation method, and referring initially to Fig. 3, the method for the present embodiment includes：
301st, service end receives the mobile payment account application request that client is sent；
In the specific implementation, if client only asks mobile payment account to service end, illustrate that user can electricity consumption
Sub- cash account.In this case, before service end receives the mobile payment account application request of client transmission, service
The verification for the existing electronic cash account of user that end may can also receive client transmission is asked.Service end receives
After examining request, whether verification client is consistent with the information of the existing electronic cash account of the user that service end preserves, such as
Unanimously, service end can send verification success message to client, and verification success message proves the existing electronic cash account of user
It can use, now client just sends mobile payment account application request to service end.
302nd, service end is audited to user；
In the specific implementation, can include user profile in mobile payment account application request, these user profile can be by user
When client initiates mobile payment account application request, inputted in the lump in client, service end can utilize mobile payment account
The user's information included in application request carries out identity examination ＆ verification；In addition, user also can reserve user's letter in service end
Breath, the user's information that such service end can is reserved using user carry out identity examination ＆ verification, and this method can avoid
User is inputted temporarily, and raising is opened an account efficiency, can prioritizing selection second method in practical application.
303rd, when examination ＆ verification passes through, service end is that user creates mobile payment account, and the mobile payment account that will be created
Bound with the existing available electron cash account of user at family；
This step realizes multiple mobile payment accounts and shares an electronic cash account.
304th, the information of the mobile payment account created for user is sent to client by service end.
Client can write the information of the mobile payment account received safety chip, and the packet of write-in is containing mobile branch
Pay a bill the AID at family, certainly, the AID of the existing available electron cash account of user is also included in the safety chip of client.Make
When carrying out near field payment with the information stored in safety chip, the equipment such as ATM ATM and point of sales terminal POS can all be abided by
The specification for following People's Bank of China PBOC reads the information of closely payment system environment PPSE in safety chip, and client provides
The function of " preferred card is set ", the account paid can be done by customer selecting electronic cash account and writes the AID of the account
In PPSE, near field, the process of exchange of payment environment (ATM or POS) is by the AID of electronic cash account and consumption information upload
To bank service end, follow-up account action is completed by bank service end.
In the present embodiment, in the case of the existing available electron cash account of user, service end creates newly for user
During mobile payment account, the mobile payment account created for user and the existing available electron cash account of user can be bound,
Then the information of the mobile payment account created for user is sent to client, that is, realizes multiple mobile payment accounts and share
One electronic cash account, then client realize offline electronic payment using the electronic cash account, improve the safety of fund
Property, and multiple electronic cash account maintenances are avoided with using the inconvenience brought.
When above embodiment describes user's existing available electron cash account, method that service end creates account, under
When the embodiment in face will introduce user and not have available electron cash account, method that service end creates account, referring to Fig. 4, this
The method of embodiment includes：
401st, service end receives mobile payment account and the electronic cash corresponding with mobile payment account that client is sent
The application request of account；
402nd, service end is audited to user；
403rd, when examination ＆ verification passes through, service end is that user creates mobile payment account and corresponding electronic cash account；
404th, the information of the mobile payment account created for user and corresponding electronic cash account is sent to by service end
Client.
In the present embodiment, only when user does not have available electron cash account, service end can just create for user simultaneously
Mobile payment account and electronic cash account, multiple electronic cash account maintenances are avoided with using the inconvenience brought.
Client provided in an embodiment of the present invention is described below, referring to Fig. 5, client 500 includes：
Acquiring unit 501, for obtaining the mobile payment account application request of user's input；
Detection unit 502, for detecting whether user has available electron cash account；
Transmitting element 503, for when detection unit 502 detects the existing available electron cash account of user, to service
End sends mobile payment account application request；
Receiving unit 504, the information of the mobile payment account created for user for receiving service end return, service end
The mobile payment account created for user and the existing available electron cash account of user are bound；
Writing unit 505, the information of the mobile payment account for receiving unit 504 to be received write safety chip.
Specifically, detection unit 502 includes detection sub-unit 5021, transmission sub-unit 5022 and receiving subelement 5023,
Wherein：
Detection sub-unit 5021 is used for, and detects the information that electronic cash account whether is preserved in safety chip；
Transmission sub-unit 5022 is used for, and electronic cash account is preserved in detection sub-unit 5021 detects safety chip
Information when, to service end send for electronic cash account verification ask；
Receiving subelement 5023 is used for, and receives the verification success message of service end return, the verification success message card
The existing available electron cash account of bright user.
For ease of understanding, the interaction between the unit in client 500 is specifically described below, it is specific as follows：
When user needs newly to open a mobile payment account, can initiate the application of mobile payment account by client please
Ask, acquiring unit 501 obtains the mobile payment account application request of user's input, and client can be mobile phone, tablet personal computer etc.
Mobile device.
Because in existing card sending system, corresponding electricity can be established for each mobile payment account of user in hair fastener
Sub- cash account, if user applied for other mobile payment accounts before, just it is stored with the safety chip of client pair
The information for the electronic cash account answered.Therefore, in the present embodiment, the mobile payment account of user's input is obtained in acquiring unit 501
After the application request of family, whether the information that detection unit 502 can be stored by detecting in safety chip is existing electric to detect user
Sub- cash account, and verify whether the existing electronic cash account of user can use by service end.
Specifically, a storage whether there is electronic cash application identities in the safety chip of client
(Application Identity) AID flag bit, detection sub-unit 5021 detect the zone bit information first, if mark
Position is shown as electronic cash account being present, then transmission sub-unit 5022 initiates the verification request of electronic cash account to service end, with
Examine client and whether service client information is consistent, such as consistent, service end can send verification success message to client, receive son
Unit 5023 receives verification success message, thus it is considered that user has electronic cash account and the electronic cash account can
Normal use；As information is inconsistent, it is defined by servicing client information, client subsequently carries out flag bit replacement so that C-S both ends
Synchronizing information.If flag bit shows as electronic cash, account is not present, it is believed that electronic cash account is not present.
When the testing result of detection unit 502 available electron cash account existing for user, transmitting element 503 just only to
Service end sends the application of mobile payment account and asked, and electronic cash account no longer apply simultaneously corresponding to.
After service end receives the mobile payment account application request of client transmission, the identity of user can be examined
Core.In the specific implementation, service end is examined in being asked using the application of mobile payment account comprising user's information identity
Core, these user profile need user to be inputted in the lump when initiating mobile payment account application request, in addition, service end can also
Audited using user in the user's information identity that service end is reserved, preferably second, can so improve and open an account
Efficiency.
After examination ＆ verification passes through, service end is that user creates mobile payment account, and the mobile payment that will be created for user
Account is bound with the existing available electron cash account of user, and the letter of the mobile payment account newly created is then sent to client
Breath, receiving unit 504 receive the information for the mobile payment account that service end is sent.Writing unit 505 receives receiving unit 504
The information write-in safety chip of the mobile payment account arrived.
In addition, when the testing result of detection unit 502 does not have available electron cash account for user, transmitting element 503
Mobile payment account and corresponding electronic cash account application request are sent to service end, receiving unit 504 receives service end and is
The mobile payment account and the information of corresponding electronic cash account that user creates, writing unit 505 receive receiving unit 504
The mobile payment account and the information write-in safety chip of corresponding electronic cash account arrived.
In the present embodiment, when user applies for new mobile payment account, detection unit can detect whether user may be used
With electronics cash account, if the existing available electron cash account of user, transmitting element is only to service end request mobile payment
Account, service end can bind the mobile payment account created for user and the existing available electron cash account of user, i.e., real
Showed multiple mobile payment accounts share an electronic cash account, then client using the electronic cash account realize from
Line is paid, and improves the security of fund, and avoids multiple electronic cash account maintenances with using the inconvenience brought.
Another embodiment schematic diagram of client of the present invention is described below, referring to Fig. 6, client 600 includes processor 601
And memory 602, memory 602 are used to deposit computer-managed instruction, processor 601 is used to perform to deposit in memory 602
Computer-managed instruction, processor 601 performs the computer-managed instruction deposited in memory 602 and client realized such as
Lower operation：
Obtain the mobile payment account application request of user's input；
Detect whether user has available electron cash account；
If the existing available electron cash account of user, mobile payment account application request is sent to service end；
The information for the mobile payment account created for user that service end returns is received, service end will create for user
Mobile payment account is bound with the existing available electron cash account of user；
The information of the mobile payment account received is write into safety chip.
Service end provided in an embodiment of the present invention is described below, the service end 700 of the present embodiment includes：
Receiving unit 701, for receiving the mobile payment account application request of client transmission；
Unit 702 is audited, for being audited to user；
Creating unit 703, for when the examination ＆ verification unit examination ＆ verification passes through, mobile payment account to be created for the user,
And the mobile payment account created and the existing available electron cash account of the user are bound；
Transmitting element 704, for the information of the mobile payment account created for the user to be sent into the client.
In addition, receiving unit 701 is additionally operable to, before the mobile payment account application request that client is sent is received, connect
The verification for the existing electronic cash account of user that client is sent is received to ask；
Service end 700 also includes：
Verification unit 705, for verifying to the existing electronic cash account of user；
Transmitting element 704 is additionally operable to, and when verifying successfully, verification success message is sent to client.
For ease of understanding, the interaction between the unit in service end 700 is specifically described below, it is specific as follows：
If client detects the existing electronic cash account of user, client can be sent for user to service end
The verification request of some electronic cash accounts, receiving unit 701 receive the verification request that client is sent, the core of verification unit 705
Whether real client is consistent with the information of the existing electronic cash account of the user that service end preserves, such as consistent, transmitting element 704
Verification success message can be sent to client.In the specific implementation, service end can be the service system of bank.
After client receives the verification success message of transmitting element transmission, mobile payment account application is sent to service end
Request, receiving unit 701 receive mobile payment account application request, and examination ＆ verification unit 702 is audited to user.
In the specific implementation, can include user profile in mobile payment account application request, these user profile can be by user
When client initiates mobile payment account application request, inputted in the lump in client, examination ＆ verification unit 702 can utilize mobile payment
The user's information included in account application request carries out identity examination ＆ verification；In addition, user can also continue to employ in advance in service end
Family information, so audit the user's information that the can of unit 702 is reserved using user and carry out identity examination ＆ verification, this method
User can be avoided to input temporarily, raising is opened an account efficiency, can prioritizing selection second method in practical application.
After examination ＆ verification passes through, creating unit 703 is that user creates mobile payment account, and the mobile payment account that will be created
Family is bound with the existing available electron cash account of user, is so achieved that multiple mobile payment accounts share an electronics and showed
Golden account.The information of the mobile payment account created for user is sent to client by transmitting element 704.
In addition, when user does not have available electron cash account, receiving unit 701 receives the mobile payment that client is sent
Account and electronic cash account corresponding with mobile payment account application request, create simple eye 703 examination ＆ verification unit 702 to
After family examination ＆ verification passes through, mobile payment account and corresponding electronic cash account are created for user, transmitting element 704 is by creating unit
703 be that the mobile payment account of user's establishment and the information of corresponding electronic cash account are sent to client.
In the present embodiment, in the case of the existing available electron cash account of user, creating unit creates newly for user
Mobile payment account when, the mobile payment account created for user and the existing available electron cash account of user can be tied up
Fixed, then the information of the mobile payment account created for user is sent to client by transmitting element, that is, realizes multiple movements
Payment account shares an electronic cash account, and then client realizes offline electronic payment using the electronic cash account, improves
The security of fund, and avoid multiple electronic cash account maintenances with using the inconvenience brought.
Another embodiment schematic diagram of service end of the present invention is described below, referring to Fig. 8, service end 800 includes processor 801
And memory 802, memory 802 are used to deposit computer-managed instruction, processor 801 is used to perform to deposit in memory 802
Computer-managed instruction, processor 801 performs the computer-managed instruction deposited in memory 802 and service end realized such as
Lower operation：
Receive the mobile payment account application request that client is sent；
User is audited；
When examination ＆ verification passes through, mobile payment account is created for user, and by the mobile payment account created and user
Some available electron cash account bindings；
The information of the mobile payment account created for user is sent to client.
Finally, the embodiment of the present invention additionally provides a kind of account creation system 900, including client 901 and service end
902, client 901 see client shown in Fig. 5, and service end 902 see service end shown in Fig. 7, and here is omitted.
It should be noted that, device embodiment described above is only schematical in addition, wherein described as separation
The unit of part description can be or may not be it is physically separate, can be as the part that unit is shown or
It can not be physical location, you can with positioned at a place, or can also be distributed on multiple NEs.Can be according to reality
Border needs to select some or all of module therein to realize the purpose of this embodiment scheme.It is in addition, provided by the invention
In device embodiment accompanying drawing, the annexation between module represents there is communication connection between them, specifically can be implemented as one
Bar or a plurality of communication bus or signal wire.Those of ordinary skill in the art are without creative efforts, you can with
Understand and implement.
Through the above description of the embodiments, it is apparent to those skilled in the art that the present invention can borrow
Software is helped to add the mode of required common hardware to realize, naturally it is also possible to include application specific integrated circuit, specially by specialized hardware
Realized with CPU, private memory, special components and parts etc..Generally, all functions of being completed by computer program can
Easily realized with corresponding hardware, moreover, for realizing that the particular hardware structure of same function can also be a variety of more
Sample, such as analog circuit, digital circuit or special circuit etc..But it is more for the purpose of the present invention in the case of software program it is real
It is now more preferably embodiment.Based on such understanding, technical scheme is substantially made to prior art in other words
The part of contribution can be embodied in the form of software product, and the computer software product is stored in the storage medium that can be read
In, such as the floppy disk of computer, USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), random access memory
Device (RAM, Random Access Memory), magnetic disc or CD etc., including some instructions are causing a computer to set
Standby (can be personal computer, server, or network equipment etc.) performs the method described in each embodiment of the present invention.
A kind of account application method, creation method, relevant device and the system provided above the embodiment of the present invention is entered
Gone and be discussed in detail, for those of ordinary skill in the art, according to the thought of the embodiment of the present invention, in embodiment and
There will be changes in application, therefore, this specification content should not be construed as limiting the invention.
Claims (13)
- A kind of 1. account application method, it is characterised in that including：Client obtains the mobile payment account application request of user's input；The client detects whether the user has available electron cash account；If the existing available electron cash account of the user, the client send the mobile payment account Shen to service end It please ask；The client receives the information for the mobile payment account created for the user that the service end returns, the service The mobile payment account created for the user and the existing available electron cash account of the user are bound in end, so that more Individual mobile payment account shares an electronic cash account；The information of the mobile payment account received is write safety chip by the client；Wherein, the client detection institute Stating user, whether available electron cash account specifically includes：The client detects the information that electronic cash account whether is preserved in the safety chip；If so, then the client sends the verification request for the electronic cash account to the service end；If the client receives the verification success message that the service end returns, the existing available electron of the user is proved Cash account.
- 2. the method as described in claim 1, it is characterised in that methods described also includes：If the user does not have available electron cash account, the client sends the mobile payment account to the service end The application request of family and electronic cash account corresponding with the mobile payment account；The client receives the mobile payment account created for the user of the service end return and corresponding electronics shows The information of golden account；The information of the mobile payment account received and corresponding electronic cash account is write the safe core by the client Piece.
- 3. the method as described in claim 1 to 2 any one, it is characterised in that in the mobile payment account application request Comprising user profile, the user profile is used for right before the service end is the user establishment mobile payment account The user is audited.
- A kind of 4. account creation method, it is characterised in that including：Service end receives the mobile payment account application request that client is sent；The service end is audited to user；When examination ＆ verification passes through, the service end is that the user creates mobile payment account, and the mobile payment account that will be created Family is bound with the existing available electron cash account of the user, so that multiple mobile payment accounts share an electronic cash account Family；The information of the mobile payment account created for the user is sent to the client by the service end；Wherein, in institute Before stating the mobile payment account application request that service end receives client transmission, methods described also includes：The service end receives the verification for the existing electronic cash account of the user that client is sent and asked；The service end verifies to the existing electronic cash account of the user, and when verifying successfully, to the visitor Family end sends verification success message.
- 5. method as claimed in claim 4, it is characterised in that methods described also includes：The service end receives mobile payment account and the electronics corresponding with the mobile payment account that the client is sent The application request of cash account；The service end is audited to user；When examination ＆ verification passes through, the service end is that the user creates mobile payment account and corresponding electronic cash account；The information of the mobile payment account created for the user and corresponding electronic cash account is sent to by the service end The client.
- 6. the method as described in claim 4 to 5 any one, it is characterised in that the service end carries out examination ＆ verification bag to user Include：The user profile that the service end includes in being asked according to the mobile payment account application is audited to the user, Or the service end is audited according to the user in the user profile that the service end is reserved to the user.
- A kind of 7. client, it is characterised in that including：Acquiring unit, for obtaining the mobile payment account application request of user's input；Detection unit, for detecting whether the user has available electron cash account；Transmitting element, for when the detection unit detects the existing available electron cash account of the user, to service end Send the mobile payment account application request；Receiving unit, the information of the mobile payment account created for the user returned for receiving the service end are described Service end binds the mobile payment account created for the user and the existing available electron cash account of the user, with Multiple mobile payment accounts are made to share an electronic cash account；Writing unit, the information of the mobile payment account for the receiving unit to be received write safety chip；Wherein, institute Detection unit is stated to specifically include：Detection sub-unit, the information of electronic cash account whether is preserved in the safety chip for detecting；Transmission sub-unit, for preserving the letter of electronic cash account in detecting the safety chip in the detection sub-unit During breath, the verification request for the electronic cash account is sent to the service end；Receiving subelement, the verification success message returned for receiving the service end, the verification success message prove institute State the existing available electron cash account of user.
- 8. client as claimed in claim 7, it is characterised in thatThe transmitting element is additionally operable to, when the detection unit detects that the user does not have available electron cash account, to The service end sends the mobile payment account and the application of electronic cash account corresponding with the mobile payment account please Ask；The receiving unit is additionally operable to, and receives the mobile payment account created for the user that the service end returns and correspondingly Electronic cash account information；Said write unit is additionally operable to, the mobile payment account and corresponding electronic cash account that the receiving unit is received Information write the safety chip.
- 9. the client as described in claim 7 to 8 any one, it is characterised in that the shifting that the transmitting element is sent User profile is included in dynamic payment account application request, the user profile is used to create institute in the service end for the user The user is audited before stating mobile payment account.
- A kind of 10. service end, it is characterised in that including：Receiving unit, for receiving the mobile payment account application request of client transmission；Unit is audited, for being audited to user；Creating unit, for when the examination ＆ verification unit examination ＆ verification passes through, creating mobile payment account for the user, and will be created The mobile payment account built is bound with the existing available electron cash account of the user, so that multiple mobile payment accounts share One electronic cash account；Transmitting element, for the information of the mobile payment account created for the user to be sent into the client；Wherein, institute State receiving unit to be additionally operable to, before the mobile payment account application request that the client is sent is received, receive client hair The verification for the existing electronic cash account of the user sent is asked；The service end also includes：Verification unit, for verifying to the existing electronic cash account of the user；The transmitting element is additionally operable to, and when verifying successfully, verification success message is sent to the client.
- 11. service end as claimed in claim 10, it is characterised in thatThe receiving unit is additionally operable to, receive mobile payment account that the client sends and with the mobile payment account pair The application request for the electronic cash account answered；The examination ＆ verification unit is additionally operable to, and the user is audited；The creating unit is additionally operable to, it is described examination ＆ verification unit examination ＆ verification pass through when, for the user create mobile payment account and Corresponding electronic cash account；The transmitting element is additionally operable to, by the letter of the mobile payment account created for the user and corresponding electronic cash account Breath is sent to the client.
- 12. the service end as described in claim 10 to 11 any one, it is characterised in thatThe examination ＆ verification unit is specifically used for, and the user profile included in being asked according to the mobile payment account application is to the use Family is audited, or the user is audited in the user profile that the service end is reserved according to the user.
- A kind of 13. account creation system, it is characterised in that comprising the client as described in claim 7 to 9 any one, with And the service end as described in claim 10 to 12 any one.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410573708.6A CN104392347B (en) | 2014-10-23 | 2014-10-23 | A kind of account application method, creation method, relevant device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410573708.6A CN104392347B (en) | 2014-10-23 | 2014-10-23 | A kind of account application method, creation method, relevant device and system |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN104392347A CN104392347A (en) | 2015-03-04 |
| CN104392347B true CN104392347B (en) | 2017-12-12 |
Family
ID=52610246
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201410573708.6A Active CN104392347B (en) | 2014-10-23 | 2014-10-23 | A kind of account application method, creation method, relevant device and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104392347B (en) |
Families Citing this family (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108256702A (en) * | 2016-12-26 | 2018-07-06 | 航天信息股份有限公司 | A kind of creation method of set of books acts on behalf of billed services platform and system |
| CN107657448B (en) | 2017-08-16 | 2022-03-04 | 创新先进技术有限公司 | Account creating method, account recharging method, data synchronizing method and equipment |
| CN107633399B (en) * | 2017-09-15 | 2021-04-30 | 北京红枣科技有限公司 | Offline payment method and system for network payment account |
| CN112258178B (en) * | 2018-01-23 | 2024-01-26 | 创新先进技术有限公司 | Binding method of payment card, trust evaluation method, device and electronic equipment |
| CN109598603B (en) * | 2018-10-26 | 2023-07-25 | 创新先进技术有限公司 | Account opening task processing method and account opening service system |
| CN110288337A (en) * | 2019-06-11 | 2019-09-27 | 深圳市微付充科技有限公司 | Method of mobile payment, mobile terminal, server and device |
| CN110598453A (en) * | 2019-09-20 | 2019-12-20 | 中国银行股份有限公司 | Client information data acquisition method and device |
| CN111126986B (en) * | 2019-11-25 | 2023-06-30 | 泰康保险集团股份有限公司 | Data processing method and device based on electronic wallet |
| CN113487406A (en) * | 2021-07-01 | 2021-10-08 | 深圳海付移通科技有限公司 | Data processing method, data processing device, computer equipment and storage medium |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101447037A (en) * | 2007-11-28 | 2009-06-03 | 陈静 | Control system for establishing and using user account by user terminal and method thereof |
| CN101609582A (en) * | 2008-06-18 | 2009-12-23 | 中兴通讯股份有限公司 | Be used to realize terminal, and the implementation method of terminal payment of wallet payment |
| CN102521747A (en) * | 2011-12-05 | 2012-06-27 | 中国联合网络通信集团有限公司 | Method for binding electronic wallet account, method, device and system for processing service of electronic wallet |
| CN103077456A (en) * | 2012-12-11 | 2013-05-01 | 万常诚 | Mobile payment method in off-line mode |
| US8448855B1 (en) * | 2006-09-24 | 2013-05-28 | Rich House Global Technology Ltd. | Method and apparatus for funding an electronic purse |
| CN103679528A (en) * | 2012-09-26 | 2014-03-26 | 中国银联股份有限公司 | Method and system for giving card-off account to card holding user |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2013140196A1 (en) * | 2012-03-23 | 2013-09-26 | Jetchev Dimitar | A system for electronic payments with privacy enhancement via trusted third parties |
-
2014
- 2014-10-23 CN CN201410573708.6A patent/CN104392347B/en active Active
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8448855B1 (en) * | 2006-09-24 | 2013-05-28 | Rich House Global Technology Ltd. | Method and apparatus for funding an electronic purse |
| CN101447037A (en) * | 2007-11-28 | 2009-06-03 | 陈静 | Control system for establishing and using user account by user terminal and method thereof |
| CN101609582A (en) * | 2008-06-18 | 2009-12-23 | 中兴通讯股份有限公司 | Be used to realize terminal, and the implementation method of terminal payment of wallet payment |
| CN102521747A (en) * | 2011-12-05 | 2012-06-27 | 中国联合网络通信集团有限公司 | Method for binding electronic wallet account, method, device and system for processing service of electronic wallet |
| CN103679528A (en) * | 2012-09-26 | 2014-03-26 | 中国银联股份有限公司 | Method and system for giving card-off account to card holding user |
| CN103077456A (en) * | 2012-12-11 | 2013-05-01 | 万常诚 | Mobile payment method in off-line mode |
Also Published As
| Publication number | Publication date |
|---|---|
| CN104392347A (en) | 2015-03-04 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104392347B (en) | A kind of account application method, creation method, relevant device and system | |
| CA2914042C (en) | Methods and apparatus for performing local transactions | |
| CN104504562B (en) | A kind of method of mobile payment and system | |
| CN102656599B (en) | mobile payment application architecture | |
| US11354637B2 (en) | Methods and systems for performing a financial transaction using a mobile communication device | |
| US20150095224A1 (en) | Customised Interaction With Computer Equipment | |
| US11023800B2 (en) | Hybrid computerized mobile transaction card | |
| KR20130141191A (en) | Payment method and system | |
| US10373146B2 (en) | Smart card NFC secure money transfer | |
| CN107330784A (en) | A kind of method and system for exchanging digital cash | |
| JP2016076262A (en) | Method of paying for product or service in commercial website via internet connection and corresponding terminal | |
| AU2016248346A1 (en) | Binding process using electronic telecommunications device | |
| WO2016088087A1 (en) | Third party access to a financial account | |
| US11151555B2 (en) | Code-based or token-based transfers using automated teller machines | |
| KR20200026936A (en) | Payment processing | |
| JP6487319B2 (en) | Mobile terminal for cashing deposits and savings and cashing system | |
| CN114207578A (en) | Mobile application integration | |
| CN113450093B (en) | Real-time consensus authentication method and system for digital change wallet based on cone block chain | |
| US20210326840A1 (en) | Issuing a virtual value-bearing card associated with only non-personally identifying information from a kiosk | |
| CN105247549A (en) | Secure payment system and method for bank card by using real-time communication | |
| KR20200024903A (en) | Payment processing | |
| Raja et al. | Merging multi cloud deployment with multi bank payment with security | |
| KR101469072B1 (en) | Mobile Financial Transaction Method by using Mobile Devices | |
| JP2020115296A (en) | Financial transaction service system | |
| EP3474208A1 (en) | System and method for performing transactions |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |