CN104851188B - A kind of intelligent card charging system and recharge method of real-time online self-recharging - Google Patents
A kind of intelligent card charging system and recharge method of real-time online self-recharging Download PDFInfo
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- CN104851188B CN104851188B CN201410175861.3A CN201410175861A CN104851188B CN 104851188 B CN104851188 B CN 104851188B CN 201410175861 A CN201410175861 A CN 201410175861A CN 104851188 B CN104851188 B CN 104851188B
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Abstract
The present invention relates to smart card self-recharging system.It is an object of the invention to provide a kind of intelligent card charging system and recharge method of real-time online self-recharging, easier safer charging intelligent card can be realized.It is characterized in that：Read-write equipment for smart card, read-write equipment for smart card management system, smart card automatic value-charging management system can carry out data transmission each other by the wireless Internet based on digital mobile communication technology；Read-write equipment for smart card management system realizes charging function for receiving the next data of read-write equipment for smart card transmission and receiving the instruction control read-write equipment for smart card of smart card automatic value-charging management system；Smart card automatic value-charging management system carries out bi-directional data with bank settlement system docking and transmitted for realizing that the orientation of fund is transferred；Read-write equipment for smart card is arranged on the place that can be voluntarily supplemented with money for holder.The present invention can be achieved with automatic value-charging without carrying out cumbersome artificial operation again as long as card is written and read to read-write equipment for smart card.
Description
Technical field
The present invention relates to smart card self-recharging system.
Technical background
Smart card, has been widely used in the life of people, common as public transport smart card, intelligent electric meter water meter are used
It is used for the smart card supplemented with money of paying the fees in terms of smart card and telecommunication payment.
These smart cards, are supplemented with money as its characteristic, the function with stored value card with small amount, and it need not be preparation change to make people
And perplex.
In the prior art, charging system and method for the intelligent card charging system used now mostly based on desktop system,
Such as application publication number is that a kind of " public affairs based on desktop system are provided in CN102646304A application for a patent for invention disclosure
Hand over card charging system and recharge method ", it includes passing through the desktop systems that network is connected with bank and public transport, mounted in computer
Desktop mass transit card in desktop system supplement with money serviced component module, based on desktop systems have bank card function of swiping card and
Mass transit card supplements the external read-write card apparatus for writing card function with money, and the desktop mass transit card in desktop systems supplements serviced component with money
Module is connected with external read-write card apparatus, and desktop systems are connected with external read-write card apparatus, and external read-write card equipment is carried
The interface of brush bank card and the button for inputting bank card password information, external read-write equipment, which also has to be used to write to mass transit card, to be believed
The non-contact interface of breath.This bus card recharging system and recharge method based on desktop system use the side of self-recharging
Formula, i.e., oneself carry out clicking operation on the desktop systems of equipment by holder, insert bank card and input password, to put
Mass transit card in non-contact interface is supplemented with money.This mode is collected cash with conventional artificial supplement with money by staff
Then the mode that operation helps people to supplement with money on computers is compared, more simple and feasible, is saved artificial.But this mode is still
So there is problems with：Firstth, equipment is complicated, and this way of payment needs one and is provided with desktop systems and carries
The equipment that bank card function of swiping card supplements the large-scale similar ATM for the external read-write card apparatus for writing card function with money with mass transit card, into
This costliness, and floor space when installing is larger, popularization is difficult；Secondth, operation interface is relative complex, for some computer levels
Not high crowd such as the elderly etc., can only hope machine heave a sigh；3rd, degree of safety is not high, due to needing that bank card is inserted on machine
And password is inputted, easily utilized by offender and steal bank card information and password.
It is therefore desirable to research and develop a kind of more simple and easy to do, safer intelligent card charging system and recharge method.
The content of the invention
It is an object of the invention to overcome the shortcomings of that existing intelligent card charging system and method are present there is provided one kind in real time
The intelligent card charging system and recharge method of online self-recharging, easier safer can realize charging intelligent card.
A kind of intelligent card charging system of real-time online self-recharging, the system includes read-write equipment for smart card, described
Read-write equipment for smart card includes central processing unit, read-write card module, human-computer interaction module；It is characterized in that：The smart card is read
Write device also includes communication module, and the system also includes read-write equipment for smart card management system, smart card automatic value-charging and managed
System；Between read-write equipment for smart card and the read-write equipment for smart card management system, read-write equipment for smart card management system with
By based on numeral shifting between smart card automatic value-charging management system, smart card automatic value-charging management system and bank settlement system
The wireless Internet of dynamic mechanics of communication can mutually carry out data transmission；The read-write equipment for smart card management system is used to receive
Read-write equipment for smart card transmission come data and receive smart card automatic value-charging management system instruction control smart card reader set
It is standby to realize charging function；The smart card automatic value-charging management system carries out bi-directional data transmission with bank settlement system docking and used
Transferred in the orientation for fund of realizing；The read-write equipment for smart card is arranged on the place that can be voluntarily supplemented with money for holder.
The smart card automatic value-charging management system includes：Communication module, read-write equipment for smart card management system interface mould
Block, read-write equipment for smart card access module, intelligent card data information analysis module, smart card and bank card binding management module,
Bank interface module, supplement with money day knot management module, system running state monitoring module.
The communication module be used to realizing smart card automatic value-charging management system and read-write equipment for smart card management system with
And the data double-way transmission between bank settlement system.
The read-write equipment for smart card management system interface module is used to receive the transmission of read-write equipment for smart card management system
The application modification charging intelligent card data message come, and feedback command information is set to smart card reader again after subsequent module for processing
Standby management system, the read-write equipment for smart card management system, which is received, indicates that front end read-write equipment for smart card is accordingly carried out after instruction
Write card and supplement or do not supplemented with money processing with money.
The read-write equipment for smart card access module is used to the read-write equipment for smart card management system received is transmitted
Smart card configuration information comprising card mark number, key is analyzed, it is allowed to by the data message of the smart card of access with
Data carry out next step the matching analysis in database.
The intelligent card data information analysis module is responsible for data progress in intelligent card data information and date storehouse
Judge with analysis and according to the module of default operational pattern formation result.
The smart card is responsible for swipe the card first user and user's bank card binding certification with bank card binding management module
Module, in identifying code mode by smart card after certification and bank card binding management module by user profile write into Databasce.
The bank interface module is responsible for docking bank settlement system, for realizing that the data realization with bank is exchanged, i.e.,：
It is specified to transfer instructions to bank side's transmission small rated, and receive bank's feedack.
The day knot management module of supplementing with money is to supplement the module that situation generates reconciliation form with money for tying statistics day.
The system running state monitoring module monitors the front end read-write equipment for smart card presence of access, bank in real time
Interface module state, read-write equipment for smart card management system interface module status is that the even running of whole system is monitored,
If any abnormal then Realtime Alerts.
A kind of charging intelligent card method of real-time online self-recharging, it is characterised in that：It is described to be arranged on what is voluntarily supplemented with money
The front end read-write equipment for smart card in place reads smart card information and uploads to read-write equipment for smart card management system；The smart card
Read-write equipment management system, which is managed and encrypted to the smart card information received, is sent to smart card automatic value-charging management system
Unite and write card data message to its application.
The smart card automatic value-charging management system sends it to the smart card information received by its communication module
Read-write equipment for smart card access module judges whether access, and access is then transferred to intelligent card data information analysis module and analyzed
And be compared with data in database and calculation process, if not being admitted into, simultaneously alarm has illegality equipment for inaccurate access
Access system and network.
If intelligent card data information analysis module judges intelligent card data for user and the user's bank card binding of swiping the card first
Certification, then call smart card and bank card binding management module, will write number by the user profile of certification in identifying code mode
According to storehouse.
If intelligent card data information analysis module judges intelligent card data for customer without contract, to read-write equipment for smart card
Management system sends instruction and indicates that display need to bind the interface of bank card on the human-computer interaction interface of read-write equipment for smart card.
If intelligent card data information analysis module judges intelligent card data for signed client and satisfaction supplements condition with money, pass through
Bank interface module is remitted money to docking bank settlement system request, is obtained after the information that bank settlement system is successfully responded, and is instructed
Read-write equipment for smart card management system control read-write equipment for smart card writes card, and the read-write equipment for smart card management system is to intelligence
Card automatic value-charging management system, which is returned, writes successful information, and process is supplemented in completion with money.
The present invention can bring following beneficial effect.
1st, intelligent card charging system of the invention mainly make use of the wireless Internet based on digital mobile communication technology, can
The contactless read-write equipment of smart card is supplemented with money for holder so that front end will be arranged on is made small, easy for installation, floor space
It is small, effectively save cost.
2nd, the present invention takes full advantage of bank the by smart card automatic value-charging management system and bank settlement system docking
Tripartite's small amount payment function, sets supplementing with money bank card password is inputted in equipment in public in front end without user, uses
The risk of card is preferably minimized.
3rd, the charging intelligent card method of real-time online self-recharging of the invention, realize according to agreed terms and quota,
The capital settlement of orientation, makes the settlement process of fund safe and reliable quick and convenient；As long as holder contracts with bank and bound, any
When, all without carrying out cumbersome artificial operation again, it can be achieved with automatically as long as card is written and read to read-write equipment for smart card
Supplement with money, also can easy manipulation even if the holder without computer basic.
Brief description of the drawings
Fig. 1：The system principle diagram of the present invention.
Fig. 2：Read-write equipment for smart card system principle diagram.
Fig. 3：The theory diagram of smart card automatic value-charging management system.
Fig. 4：The flow chart of the present invention.
Fig. 5：The contactless read-write equipment of smart card of the present invention lays schematic diagram in mounting location.
Embodiment
The present invention is described in further detail with reference to the accompanying drawings and examples.
As shown in figure 1, multiple smart card readers can be arranged by gathering place such as bus-stop, cell doorway in personnel
Equipment, equipment volume is small, and convenient to install, read-write equipment for smart card can be that contact read-write equipment or contactless read-write are set
It is standby.
As shown in figure 1, between read-write equipment for smart card and read-write equipment for smart card management system, read-write equipment for smart card pipe
Pass through base between reason system and smart card automatic value-charging management system, smart card automatic value-charging management system and bank settlement system
Data transmission is mutually carried out in the wireless Internet such as 3G network of digital mobile communication technology.
The present embodiment supplementing with money applied to mass transit card for the present invention, will realize that mass transit card remaining sum is less than 5 yuan and the public transport
It is when blocking for bank's third party's small amount payment signing card, i.e., automatic to realize in the small amount amount of money to the mass transit card for transferring agreement amount.Such as
Shown in Fig. 5：The place such as bus that the present embodiment is placed on self-recharging using the contactless read-write equipment cloth of smart card is stood
On post, the equipment is compact to be easily installed, can arrange it is multiple gather place in bus-stop, personnel, eliminate users
The worry queued up by bus, can facilitate numerous holders at any time in waiting for bus, be supplemented with money with regard to that can complete the payment of mass transit card card
Operation, is that user has saved time and efforts.Only need to provide power supply during arrangement, network can be real by 3G VPNs
It is existing.
As shown in Fig. 2 the contactless read-write equipment of the smart card of the present embodiment includes central processing unit, communication module, reading
Write card module, display and input module, sound and signal lamp module and print module；Central processing unit cyclic query reads and writes snap gauge
Whether block has card, if it find that there is card, and reading card information is wirelessly transferred by communication module sends back read-write equipment for smart card pipe
Reason system（Backstage）Processing, display and input module, sound and signal lamp module and print module, are to receive central processing unit
To background process information by different modes be presented to holder（It has been shown that, sound and signal lamp）, each is fed back to holder
The object information of process.
With reference to referring to Fig. 3, Fig. 4, in the present embodiment, the contactless read-write equipment of smart card of front end reads mass transit card and held
The data message of load, is sent to read-write equipment for smart card management system by 3G network and handles and encrypt, be then transferred to intelligence
Card automatic value-charging apparatus management system, the intelligent card data information that the analysis of smart card automatic value-charging apparatus management system is received,
Take out and block mark, balance amount information, and call database data to compare, such as block for signing and remaining sum is less than 5 yuan, then the silver with docking
Row settlement system carries out data exchange, orientation and transferred accounts；And send instructions to read-write equipment for smart card management system, smart card reader
Equipment management system control read-write equipment for smart card enters remaining sum and voice broadcast that row write card is supplemented with money and shows successful recharging；If
Smart card automatic value-charging apparatus management system calls database data to find that no signing information is then pointed out to holder after comparing
Bank's card interface need to be bound.
The content of storage binding information includes but is not limited to：
1st, card mark（Card number）：Character type 30
2nd, hair fastener unit：Character type 60
3rd, condition is supplemented with money：Numeric type 8.2
4th, recharge amount：Numeric type 8.2
5th, bank card number：30
6th, bank of deposit's title：60
7th, bank of deposit's line number：20
8th, other
9th, remarks
10th, check bit：16 record is encrypted.
The method of binding bank card has following two kinds：First, intelligence can be bound by channels such as the telephone service platforms of bank
The incidence relation with bank card can be blocked；2nd, the selection that can be held on read-write equipment for smart card by display prompts is opened an account silver
OK, bank card number is inputted, input bank issues the binding short message verification code of bank's cardholder, completes the binding of information.
With reference to referring to Fig. 3, Fig. 4, smart card automatic value-charging management system is received and its smart card reader by communication module
Equipment management system interface module defines the smart card information that the read-write equipment for smart card management system transmission of docking comes.Smart card
Read-write equipment management system interface module can dock public transit system, water system or power supply system with self-defined by definition
The read-write equipment for smart card management system of system etc., expands to the application field of all use smart cards.Then read by its smart card
Write device access module judges whether access, and access is then transferred to intelligent card data information analysis module and analyze and and data
Data are compared and calculation process in storehouse, and the binding bank card of the card is believed in analysis card release flag information, searching data storehouse
Cease and supplement conditional information with money, judgement is to supplement with money or swipe the card first to wait to bind or do not supplement with money, treat that binding is then called if swiping the card first
Smart card and bank card binding management module prompting user's binding bank card, if the contracted user bound then by with bank
The bank settlement system of interface module docking communicates wirelessly and obtains the feedback information of bank, by sending an instruction to intelligence
Energy card read-write equipment management system and the feedback information for obtaining read-write equipment for smart card management system, instruct read-write equipment for smart card
Do corresponding operation.Invoked procedure and the associated processing intelligence record and write into Databasce of each module.
Invoked procedure and associated processing intelligence are recorded smart card automatic value-charging management system and write into Databasce is mainly
Data are provided for audit, management module generation form is tied day by supplementing with money.
Smart card automatic value-charging management system is not related to encryption, and the encryption of smart card is by read-write equipment for smart card management system
It is responsible for, the operation for writing smart card is controlled by read-write equipment for smart card management system.
The binding of smart card automatic value-charging management system and bank is all voluntarily arranged by bank's cardholder, and
The funds transfer of quota orientation is conditional, process is entirely supplemented with money and whole system is actively triggered by intelligent cardholder smart card
System completes operation, and client is active.
The above-mentioned description to embodiment is understood that for ease of those skilled in the art and using this hair
It is bright.Person skilled in the art obviously easily can make various modifications to these embodiments, and described herein
General Principle is applied in other embodiment without passing through performing creative labour.Therefore, the invention is not restricted to implementation here
Example, those skilled in the art do not depart from improvement that scope made and change all should be according to the announcement of the present invention
Within protection scope of the present invention.
Claims (2)
1. a kind of intelligent card charging system of real-time online self-recharging, the system includes read-write equipment for smart card, the intelligence
Energy card read-write equipment includes central processing unit, read-write card module, human-computer interaction module；It is characterized in that：The smart card reader
Equipment also includes communication module, and the system also includes read-write equipment for smart card management system, smart card automatic value-charging management system
System；Between read-write equipment for smart card and the read-write equipment for smart card management system, read-write equipment for smart card management system and intelligence
Can be between card automatic value-charging management system, smart card automatic value-charging management system and bank settlement system by based on digital mobile
The wireless Internet of mechanics of communication can mutually carry out data transmission；The read-write equipment for smart card management system is used to receive intelligence
The next data of energy card read-write equipment transmission and the instruction control read-write equipment for smart card for receiving smart card automatic value-charging management system
Realize charging function；The smart card automatic value-charging management system is transmitted with bank settlement system docking progress bi-directional data to be used for
Realize that the orientation of fund is transferred；The read-write equipment for smart card is arranged on the place that can be voluntarily supplemented with money for holder；The intelligence
Energy card automatic value-charging management system includes：Communication module, read-write equipment for smart card management system interface module, smart card reader are set
For access module, intelligent card data information analysis module, smart card and bank card binding management module, bank interface module, fill
Knot management module on duty for the day, system running state monitoring module；The communication module is used to realize smart card automatic value-charging management system
System and the data double-way between read-write equipment for smart card management system and bank settlement system are transmitted；The smart card reader is set
Standby management system interface module is used to receive the application modification charging intelligent card number that read-write equipment for smart card management system is sent
It is believed that breath, and feedback command information gives read-write equipment for smart card management system again after subsequent module for processing, the smart card is read
Write device management system, which is received, indicates that front end read-write equipment for smart card accordingly enters row write card and supplements or do not supplemented with money place with money after instruction
Reason；The read-write equipment for smart card access module is used to the read-write equipment for smart card management system received is transmitted to include card
Mark number, the smart card configuration information of key are analyzed, it is allowed to pass through the data message and database of the smart card of access
Interior data carry out next step the matching analysis；The intelligent card data information analysis module is responsible for intelligent card data information and number
The matching analysis judgement is carried out according to data in storehouse and according to the module of default operational pattern formation result；The smart card and silver
Row card binding management module is responsible for swiping the card first the module of user and user's bank card binding certification, is passed through in identifying code mode
Smart card and bank card binding management module are by user profile write into Databasce after certification；The bank interface module is responsible for docking
Bank settlement system, for realizing that the data realization with bank is exchanged, i.e.,：It is specified to finger of transferring accounts that small rated is sent to bank side
Order, and receive bank's feedack；The day knot management module of supplementing with money is to be used to day knot statistics supplement situation generation reconciliation report with money
The module of table；The system running state monitoring module monitors the front end read-write equipment for smart card presence of access in real time, silver
Line interface module status, read-write equipment for smart card management system interface module status is that the even running of whole system is supervised
Control, if any abnormal then Realtime Alerts.
2. a kind of charging intelligent card method of real-time online self-recharging, it is characterised in that：Using reality as claimed in claim 1
When online self-recharging intelligent card charging system；The front end read-write equipment for smart card for being arranged on the place voluntarily supplemented with money is read
Smart card information is taken to upload to read-write equipment for smart card management system；The read-write equipment for smart card management system is to receiving
Smart card information is managed and encrypted and is sent to smart card automatic value-charging management system and writes card data message to its application；Institute
State smart card automatic value-charging management system and its smart card reader is sent to the smart card information received by its communication module
Equipment access module judges whether access, and access is then transferred to intelligent card data information analysis module and analyze and and database
Interior data are compared and calculation process, if not being admitted into, inaccurate access and alarm have illegality equipment access system and
Network；Recognize if intelligent card data information analysis module judges intelligent card data for the user that swipes the card first with user's bank card binding
Card, then call smart card and bank card binding management module, will write data by the user profile of certification in identifying code mode
Storehouse；If intelligent card data information analysis module judges that intelligent card data, for customer without contract, is managed to read-write equipment for smart card
System sends instruction and indicates that display need to bind the interface of bank card on the human-computer interaction interface of read-write equipment for smart card；If intelligence
Card data message analysis module judge intelligent card data for signed client and meet supplement condition with money, then by bank interface module to
Docking bank settlement system request is remitted money, and is obtained after the information that bank settlement system is successfully responded, and instructs read-write equipment for smart card
Management system control read-write equipment for smart card writes card, and the read-write equipment for smart card management system is managed to smart card automatic value-charging
System, which is returned, writes successful information, and process is supplemented in completion with money.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410175861.3A CN104851188B (en) | 2014-04-29 | 2014-04-29 | A kind of intelligent card charging system and recharge method of real-time online self-recharging |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410175861.3A CN104851188B (en) | 2014-04-29 | 2014-04-29 | A kind of intelligent card charging system and recharge method of real-time online self-recharging |
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| Publication Number | Publication Date |
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| CN104851188A CN104851188A (en) | 2015-08-19 |
| CN104851188B true CN104851188B (en) | 2017-10-13 |
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| CN106056384A (en) * | 2016-05-27 | 2016-10-26 | 广州羊城通有限公司 | Automatic recharging method of IC card |
| CN106096925A (en) * | 2016-07-15 | 2016-11-09 | 建亿通（北京）数据处理信息有限公司 | A kind of smart card, the recharge method of a kind of smart card and system |
| CN107798523A (en) * | 2016-09-12 | 2018-03-13 | 平安科技（深圳）有限公司 | Automatic charging method and device |
| CN107451633B (en) * | 2017-08-10 | 2024-01-26 | 深圳市鹏力凯科技有限公司 | Shared read-write card device and application method thereof |
| CN109597338A (en) * | 2018-12-14 | 2019-04-09 | 成都昶艾电子科技有限公司 | A kind of plateau disperse Monitoring Oxygen Ventilation instrument supplements control system with money and its supplements method for supplying oxygen with money |
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| CN104851188A (en) | 2015-08-19 |
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