CN105205659A - Mobile payment apparatus, and mobile payment method thereof and online liquidation method thereof - Google Patents
Mobile payment apparatus, and mobile payment method thereof and online liquidation method thereof Download PDFInfo
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- CN105205659A CN105205659A CN201510538062.2A CN201510538062A CN105205659A CN 105205659 A CN105205659 A CN 105205659A CN 201510538062 A CN201510538062 A CN 201510538062A CN 105205659 A CN105205659 A CN 105205659A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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Abstract
The invention, which belongs to the technical field of mobile payment, provides a mobile payment apparatus, and a mobile payment method thereof and an online liquidation method thereof. The mobile payment apparatus comprises a safety unit, an online resetting module, an off-line transaction sum accumulation module arranged in the safety unit, an off-line transaction number accumulation module arranged in the safety unit, and/or an off-line liquidation time interval calculation module. According to the invention, transfer restriction on off-line payment can be eliminated; usage becomes convenient; the user experience is good; and the risk can be controlled completely.
Description
Technical field
The invention belongs to mobile payment technical field, particularly relate to off line and pay the mobile payment device and method of mobile payment thereof and online liquidation method that can not rely on and enclose and deposit.
Background technology
The advantages such as mobile payment technology has without the need to small change, the true and false not worrying cash, easy to carry, have been widely used in now the field such as public transport, retail, have played indispensable role in daily life.
Present mobile payment technical point can be two classes: online (Online) pays and off line (Offline) pays.
Online payment requires that accepting terminal (such as POS terminal) must possess connection ability, and, the payment medium (card, mobile phone etc.) of user stores specific information, accepting terminal can be allowed to pay the legitimacy of medium and the legitimacy of user by online confirmation, thus complete payment.The shortcoming of online payment is that accepting terminal must have connection ability when mobile payment, and may affect by network speed etc. and payment process is had some setbacks in online validation process.
Off line pays and refers to that accepting terminal does not possess connection ability, and the payment checking of medium and the checking of user complete when off line completely.
The advantage that off line pays does not have in-line procedure, payment speed fast, and be particularly useful for small amount payment, therefore, it is spendable wider, can cover the field that on-line environment is poor.Therefore, be difficult to the numerous areas ensured in on-line environment, such as public transport field, retail domain, all tend to select off line to pay and realize mobile payment.It should be noted that off line pays and do not refer to that accepting terminal is completely not online, it can under accepting terminal possesses online condition, such as, after the bus operation of some day terminates, setup times point is online by accepting terminal, uploads Transaction Information to corresponding server and carries out unifying clearance.
But off line pays existence shortcoming, needs user to enclose in advance exactly and deposits certain amount of money.Only have when pay medium payment application in circle deposit the amount of money be more than or equal to the current consumption amount of money time, offline transaction could success; And following shortcoming can be brought, the circle of such as user is deposited the amount of money and usually can not be drawn interest, and paying, the formality given for change after medium is lost is cumbersome, and circle deposits process and inconvenience (such as needing to carry out specially on sales counter or Possum).Therefore, the Consumer's Experience that the requirement of depositing greatly reduces off line payment is enclosed.
Summary of the invention
The object of the invention is to, propose a kind of circle that can not rely on and deposit and the off line payment technology that risk is controlled, Consumer's Experience is good.
For realizing above object or other objects, the invention provides following technical scheme.
According to an aspect of of the present present invention, a kind of mobile payment device is provided, comprises safe unit, also comprise:
Online replacement module, it is for being uploaded to clearance server to carry out online clearance in online condition down to major general's offline transaction record;
Be arranged on the offline transaction amount of money cumulative calculation module in described safe unit, it for calculating the accumulative offline transaction amount of money at least occurred under the null situation of the amount of money deposited by circle, and judges whether the described accumulative offline transaction amount of money and current dealing money sum are greater than the first predetermined value; And
Be arranged on the offline transaction number of times cumulative calculation module in described safe unit and/or online clearance time interval computing module;
Wherein, described offline transaction number of times cumulative calculation module for calculating the accumulative offline transaction number of times at least occurred under the null situation of the amount of money deposited by circle, and judges whether described accumulative offline transaction number of times is greater than the second predetermined value;
Described online clearance time interval computing module at least deposits the time interval apart from online clearance last time in the null situation of the amount of money at circle for calculating, and judges whether the described time interval is greater than the 3rd predetermined value;
Wherein, described circle deposits the amount of money and described first predetermined value sum for representing the primary balance value of described mobile payment device after described online clearance, and described offline transaction record at least comprises the described accumulative offline transaction amount of money.
Mobile payment device according to an embodiment of the invention, wherein, also comprises:
Be arranged on the first predetermined value setting module in described safe unit; And
Be arranged on the second predetermined value setting module in described safe unit and/or the 3rd predetermined value setting module;
Wherein, the first predetermined value setting module described in described offline transaction amount of money cumulative calculation module couples and from its obtain described first predetermined value; Second predetermined value setting module described in described offline transaction number of times cumulative calculation module couples also obtains described second predetermined value from it; Described online clearance time interval computing module couples described 3rd predetermined value setting module and obtains described 3rd predetermined value from it.
In above-mentioned mobile payment device, described online replacement module is configured to after described online clearance, send the instruction described accumulative offline transaction amount of money, described accumulative offline transaction number of times and each replacement in the described time interval reset.
In above-mentioned mobile payment device, described offline transaction amount of money cumulative calculation module is also configured to the instruction sending refusal offline transaction when the described accumulative offline transaction amount of money is judged as and is greater than described first predetermined value.
In above-mentioned mobile payment device, described offline transaction number of times cumulative calculation module is also configured to the instruction sending refusal offline transaction when the described accumulative offline transaction amount of money is judged as and is greater than described second predetermined value.
In above-mentioned mobile payment device, described online clearance time interval computing module is also configured to the instruction sending refusal offline transaction when the described time interval is judged as and is greater than described 3rd predetermined value.
In above-mentioned mobile payment device, described mobile payment device is at least for communicating to carry out described offline transaction with accepting terminal.
In above-mentioned mobile payment device, when described circle deposit the amount of money be more than or equal to current dealing money, described offline transaction amount of money cumulative calculation module, offline transaction number of times cumulative calculation module and online clearance time interval computing module quit work.
Go back the mobile payment device of an embodiment according to the present invention, wherein, described offline transaction amount of money cumulative calculation module also deposits at circle the accumulative offline transaction amount of money occurred the amount of money is less than current dealing money for calculating; And
Described offline transaction number of times cumulative calculation module is also for being calculated to accumulative offline transaction number of times by depositing at circle this offline transaction occurred the amount of money is less than current dealing money.
Preferably, described mobile payment device is realized by intelligent terminal.
According to another aspect of the invention, provide a kind of method of mobile payment of above-mentioned mobile payment device, its spy comprises:
Step 1: accepting terminal sends instruction to described mobile payment device to initiate the off line payment process of offline transaction;
Step 2: judge whether the described accumulative offline transaction amount of money and current dealing money sum are greater than the first predetermined value; If be judged as "Yes", then refuse described off line and pay, described accepting terminal response transaction failure; If be judged as "No", then perform at least one in following steps 3 or step 4 further;
Step 3: judge whether described accumulative offline transaction number of times is more than or equal to the second predetermined value, if be judged as "Yes", then refuse described off line and pays, the failure of described accepting terminal (80) response transaction;
Step 4: judge whether the described time interval is more than or equal to the 3rd predetermined value, if be judged as "Yes", then refuse described off line and pays, described accepting terminal response transaction failure.
In above-mentioned method of mobile payment, also comprise: when being judged as "No" in described step 3 and/or described step 4, then allow described off line to pay, and record the transaction details of this off line payment process, described accepting terminal response transaction success.
In above-mentioned method of mobile payment, between step 1 and step 2, also comprise step:
Judge whether current dealing money is greater than circle and deposits the amount of money; If be judged as "Yes", then use circle to deposit the amount of money and carry out off line payment, mobile payment process terminates; If be judged as "No", then calculate the accumulative offline transaction amount of money at least occurred under the null situation of the amount of money deposited by circle, continue to enter step 2.
According to the present invention also on the one hand, provide a kind of online liquidation method of above-mentioned mobile payment device, wherein, user is uploaded to clearance server to carry out online clearance by online replacement module to major general's offline transaction record under online condition.
In above-mentioned online liquidation method, after described online clearance, the described accumulative offline transaction amount of money, described accumulative offline transaction number of times and each replacement in the described time interval are reset.
In above-mentioned online liquidation method, described online clearance automatically can be initiated by described online replacement module or initiatively can be initiated by user.
Technique effect of the present invention is, mobile payment device of the present invention can when enclose deposit the amount of money be 0 or circle deposit the amount of money not current dealing money can carry out off line payment, user only needs under online condition, to carry out online clearance by online replacement module to the offline transaction amount of money occurred, online clearance is simply easy to operate, and break away from and dependence has been deposited for circle, therefore it is very convenient to use, and the acceptant and off line of user pays and experiences.And risk completely can management and control, the overdraw risk that vary off-line pays is little, is particularly suitable for the small amount payment in the fields such as public transport.
Accompanying drawing explanation
From following detailed description by reference to the accompanying drawings, will make above and other object of the present invention and advantage more complete clear, wherein, same or analogous key element adopts identical label to represent.
Fig. 1 is the modular structure schematic diagram of the mobile payment device according to one embodiment of the invention.
Fig. 2 is the process flow diagram of the method for mobile payment according to one embodiment of the invention.
Embodiment
Introduce below be of the present invention multiple may some in embodiment, aim to provide basic understanding of the present invention, be not intended to confirm key of the present invention or conclusive key element or limit claimed scope.Easy understand, according to technical scheme of the present invention, do not changing under connotation of the present invention, one of ordinary skill in the art can propose other implementations that can mutually replace.Therefore, following embodiment and accompanying drawing are only the exemplary illustrations to technical scheme of the present invention, and should not be considered as of the present invention all or the restriction be considered as technical solution of the present invention or restriction.
Figure 1 shows that the modular structure schematic diagram of the mobile payment device according to one embodiment of the invention.In this embodiment, be described to carry out offline transaction between mobile payment device 10 and accepting terminal 80, now, accepting terminal 80 is off line environmental work, and therefore, its payment process is that off line pays.Mobile payment device 10 is preferably various intelligent terminal, and the smart mobile phone that such as user carries with, intelligent terminal etc. have the device with intelligent operating system and networked capabilities; And, be applied to public transport field with mobile payment device 10 of the present invention and method of mobile payment thereof and carry out example explanation, but it will be appreciated that, mobile payment device 10 of the present invention and method of mobile payment thereof are not limited to be applied to example of the present invention, those skilled in the art will appreciate that the other field in similar public transport field all can apply mobile payment device 10 of the present invention and method of mobile payment thereof.
Mobile payment device 10 mainly comprises online replacement module 110 and safe unit 120; Online replacement module 110 can be realized by APP, it is the operation interface of mobile payment device 10, user 90 can be operated by online replacement module 110, thus realizes at least being uploaded to outside clearance server 70 to carry out online clearance in online condition down to major general's offline transaction record; Need understanding to be that the function of online replacement module 110 is not limited to this, such as, can also carry out user account setting, online setting etc.
When mobile payment device 10 is realized by smart mobile phone, the in-line procedure that online replacement module 110 can realize between mobile payment device 10 and clearance server 70 by the network savvy of this smart mobile phone, but the concrete on-line mode between them is not restrictive.
Online replacement module 110 can communicate to connect with safe unit 120, and the finance account of user protects the security ensureing to conclude the business by safe unit 120; Safe unit 120 can arrange the remaining sum value of the finance account of reflection user 90, and it also reflects the remaining sum value of mobile payment device.In the prior art, this remaining sum value only to embody to this finance account enclose the circle deposited and deposit the amount of money, therefore, must can realize off line and pay by depositing certain financial volume with third party's account of this user-association to this finance account circle.
In this embodiment, offline transaction amount of money cumulative calculation module 130 is at least provided with in safe unit 120; Wherein corresponding offline transaction amount of money cumulative calculation module 130 is also provided with the first predetermined value setting module 131, first predetermined value setting module 131 can be used for setting first predetermined value, this first predetermined value represents that this mobile payment device 10 can the amount of off-line cash advance transactions, can be set by the third-party institution, and user 90 does not have the setting authority of the first predetermined value setting module 131.Such as, the first predetermined value can be set as 100 yuan, represents that circle deposits the amount of money when equaling 0, can the amount of off-line cash advance transactions be 100 yuan.After carrying out online clearance by online replacement module 110 at every turn, the remaining sum value of the finance account of safe unit 120 shows as this first predetermined value and encloses the primary balance value of depositing amount of money (if there is), further, this primary balance value can change along with the carrying out of offline transaction or online transaction; Such as, if circle deposits that the amount of money is 10 yuan, the first predetermined value is 100 yuan, so, after online clearance, the primary balance value of this finance account is 110 yuan, and these 110 yuan can be used for and accepting terminal 80(such as POS terminal) there is off line and pay.
Due to the setting of the first predetermined value, make to deposit the amount of money equals 0 or enough not current dealing money (being namely less than current dealing money) at circle at mobile payment device 10 also can carry out off line payment, the requirement of enclosing and depositing can be broken away from.Offline transaction amount of money cumulative calculation module 130 is just used to calculate the accumulative offline transaction amount of money occurred under the null situation of the amount of money deposited by circle, and judges whether the accumulative offline transaction amount of money and current dealing money sum are greater than this first predetermined value.It will be appreciated that, under the null situation of the amount of money deposited by circle, the accumulative offline transaction amount of money that occurs is included in the overdraw part that the offline transaction occurred when the amount of money is less than current dealing money deposited by circle, also namely this dealing money deduct part that circle deposits the amount of money be also regarded as enclosing deposit the null situation of the amount of money under " the accumulative offline transaction amount of money " that occurs.
In deterministic process, offline transaction amount of money cumulative calculation module 130 couples the first predetermined value setting module 131 and obtains this first predetermined value from it, thus compares judgement with the accumulative offline transaction amount of money and current dealing money sum.If the accumulative offline transaction amount of money occurred under the null situation of the amount of money deposited by circle and current dealing money sum are greater than this first predetermined value, represent that the amount of the off-line cash advance transactions of the account is finished completely, then offline transaction amount of money cumulative calculation module 130 sends instruction to stop current off line payment process (namely refusing current offline transaction).
Illustratively, the first predetermined value is 100 yuan, circle is when to deposit the amount of money be 10 yuan, circle deposit the amount of money be 10 yuan be finished completely after, represent that circle is deposited the amount of money and equalled zero, after this, the dealing money that each off line pays all can be recorded and cumulative calculation, and is stored in mobile payment device 10 as offline transaction record; The remaining sum value of finance account also equals 100 yuan and deducts the accumulative offline transaction amount of money, if the remaining sum value of finance account is 3 yuan, represents that the accumulative offline transaction amount of money is 97 yuan; If current dealing money is 5 yuan, so (97+5) is greater than 100, then current offline transaction can be rejected, and also namely stops the off line payment process carrying out current 5 yuan, the failure of accepting terminal 80 response transaction.
Or illustratively, first predetermined value is 100 yuan, circle is when to deposit the amount of money be 10 yuan, when current dealing money is 15 yuan, represent that this offline transaction process exists circle and deposits the null situation of the amount of money, 5 yuan in the dealing money 15 yuan of this time off line payment is the accumulative offline transaction amount of money by cumulative calculation.
In other embodiments, the first predetermined value and circle are deposited the amount of money and can separately be represented, but, should be appreciated that, they and can wait " the primary balance value " that be all the application.
Continue as shown in Figure 1, offline transaction number of times cumulative calculation module 140 is also provided with in safe unit 120, it is for calculating the accumulative offline transaction number of times at least occurred under the null situation of the amount of money deposited by circle, and judge whether accumulative offline transaction number of times is greater than the second predetermined value, also namely judges that current off line adds up offline transaction number of times and whether is less than or equal to the second predetermined value when paying.In this embodiment, corresponding offline transaction number of times cumulative calculation module 140 be provided with the second predetermined value setting module 141, second predetermined value setting module 141 be used for arranging mobile payment device 10 can the number of times of off-line cash advance transactions; This second predetermined value can be set by the third-party institution, and user 90 does not have the setting authority of the second predetermined value setting module 141.
In deterministic process, offline transaction number of times cumulative calculation module 140 couples the second predetermined value setting module 141 and obtains this second predetermined value from it, thus compares judgement with accumulative offline transaction number of times.If judge that accumulative offline transaction number of times is greater than this second predetermined value, represent that this finance account is after last time online clearance, accumulative offline transaction number of times is too much, and then representing that this user exists larger credit risk at present, offline transaction number of times cumulative calculation module 140 sends instruction and stops current off line payment process (namely refusing current offline transaction).
Illustratively, second predetermined value is 10 times, if when enclose deposit the amount of money equal 0, accumulatively there occurs 10 offline transactions, then represent that this user is never initiatively carrying out online clearance by online replacement module 110 during this period, there is larger credit risk, if when again carrying out offline transaction, accumulative offline transaction number of times is less than 10, then this offline transaction is allowed to, otherwise refuse this offline transaction, off line payment process stops.
Continue as shown in Figure 1, online clearance time interval computing module 150 is also provided with in safe unit 120, it at least deposits the time interval apart from online clearance last time in the null situation of the amount of money at circle for calculating, and judges whether the time interval is greater than the 3rd predetermined value.In this embodiment, corresponding online clearance time interval computing module 150 is provided with the maximum time interval that the 3rd predetermined value setting module the 151, three predetermined value setting module 151 is used for arranging the online clearance that can allow when mobile payment device 10 carries out offline transaction under the null situation of the amount of money deposited by circle; 3rd predetermined value can be set by the third-party institution, and user 90 does not have the setting authority of the 3rd predetermined value setting module 151.
In deterministic process, the 3rd predetermined value setting module 151 couples the 3rd predetermined value setting module 151 and obtains the 3rd predetermined value from it, thus compares judgement with the accumulative time interval.If judge current calculating interval greater than the 3rd predetermined value, represent that this finance account time interval so far after last time online clearance is long, and then representing that this user exists larger credit risk at present, online clearance time interval computing module 150 sends instruction and stops current off line payment process (namely refusing current offline transaction).
Illustratively, if the 3rd predetermined value is 30 days, when enclose deposit the amount of money equal 0, if apart from last time online clearance the time interval be 20 days, then allow to carry out current offline transaction; If the time interval of online clearance was 40 days apart from last time, then this user never initiatively carried out online clearance by online replacement module 110 at these 40 days, there is larger credit risk, therefore refused this offline transaction, and off line payment process stops.
It is to be appreciated that above-described first predetermined value, the second predetermined value, the 3rd predetermined value can according to risk management require set, its concrete size is not restrictive.
And, to be uploaded offline transaction that mobile payment device 10 stores by online replacement module 110 be recorded to after clearance server 70 carries out online clearance each, online replacement module 110 is authorized to be sent instruction and resets the accumulative offline transaction amount of money, accumulative offline transaction number of times and each in the described time interval to be reset.Whether use online replacement module 110 to carry out online clearance, by user 90 ACTIVE CONTROL, such as, regularly can carry out online clearance, also can occur carrying out online clearance under off line pays unaccepted situation.Offline transaction record at least comprises the accumulative offline transaction amount of money, certainly can also but be not limited to comprise the information such as offline transaction time.It will be appreciated that, clearance server 70 is in this online clearance process, it is in fact clear three party to the third-party institution of this user's credit, the finance account of user, clearance server 70, therefore comprises the clearance between the finance account of the third-party institution.
And it should be noted that, accepting terminal 80 can be, but not limited to as POS terminal, it occurs in payment process is be in off line condition, but, accepting terminal 80 needs to carry out online clearance in predetermined point of time, and in this online clearance process, accepting terminal 80 is connected with clearance server, this online clearance process is actually, and the trade company of accepting terminal 80 correspondence, clears three party to the third-party institution of this user's credit, clearance server 70.Therefore, this online clearance process of accepting terminal 80 is different from the online clearance process of the online replacement module 110 of the application.
Mobile payment device 10 embodiment illustrated in fig. 1 when enclose deposit the amount of money equal 0, off line payment can be carried out completely, user only needs under online condition, regularly initiatively to carry out online clearance to the offline transaction amount of money occurred by online replacement module 110, break away from and dependence has been deposited for circle, therefore it is very convenient to use, and the acceptant and off line of user pays and experiences.In particular, risk management and control is carried out by arranging offline transaction amount of money cumulative calculation module 130, offline transaction number of times cumulative calculation module 140 and online clearance time interval computing module 150, the overdraw risk that vary off-line pays is little, is very suitable for the small amount payment in the fields such as public transport.
But, be to be understood that simultaneously, mobile payment device 10 also can carry out off line payment when enclosing to deposit to use the amount of money is greater than 0 completely, when enclose deposit the amount of money be greater than 0, there is not overdraw risk, therefore offline transaction amount of money cumulative calculation module 130, offline transaction number of times cumulative calculation module 140 and online clearance time interval computing module 150 can not carry out corresponding evaluation work.
In other alternative embodiment, mobile payment device 10 also only can arrange any one in offline transaction number of times cumulative calculation module 140 and online clearance time interval computing module 150, correspondingly, the second predetermined value setting module 141 and the 3rd predetermined value setting module 151 also only can set one of them.Now, relative offline transaction amount of money cumulative calculation module 130, offline transaction number of times cumulative calculation module 140 is relative with the risk control capability of the mobile payment device 10 that online clearance time interval computing module 150 three is arranged simultaneously declines.
Concrete composition graphs 2 example illustrates the method for mobile payment of the mobile payment device 10 of the embodiment of the present invention below.
Figure 2 shows that the process flow diagram of the method for mobile payment according to one embodiment of the invention.When using the mobile payment device 10 of embodiment as shown in Figure 1 to carry out offline transaction, if the amount of money deposited by the circle of finance account equal 0, mobile payment process is substantially as follows,
First, step S10: accepting terminal 80 sends instruction to mobile payment device 10 to initiate the off line payment process of offline transaction.
Further, step S20, judges whether the accumulative offline transaction amount of money and current dealing money sum are greater than the first predetermined value.If be judged as "Yes", then enter step S60, refuse this off line and pay, the failure of accepting terminal 80 response transaction; If be judged as "No", then enter following steps S30.
Further, step 30, judges whether accumulative offline transaction number of times is greater than the second predetermined value, if be judged as "Yes", then enters step S60, refuses described off line and pay, the failure of accepting terminal 80 response transaction; If be judged as "No", then enter following steps S40.
Further, step 40, judges whether the time interval is greater than the 3rd predetermined value, if be judged as "Yes", then refuse described off line and pays, the failure of accepting terminal 80 response transaction; If be judged as "No", then enter step S50, carry out off line payment, namely deduct current spending amount from this finance account, and record transaction details as offline transaction record, the success of accepting terminal 80 response transaction.
The transaction details recorded in step S50 can be used for calculating the accumulative offline transaction amount of money, accumulative offline transaction number of times, the time interval.
Understanding is needed to be that above off line payment process can repeat to occur.
Further, it should be noted that, in other alternative embodiment, the step S30 in embodiment as shown in Figure 2 or any one step in step S40 can be saved.
It should be noted that, if the amount of money deposited by the circle of finance account be greater than 0, mobile payment process is substantially as follows:
Judge whether current dealing money is greater than circle and deposits the amount of money; If be judged as "Yes", then use circle to deposit the amount of money and carry out off line payment, mobile payment process terminates; If be judged as "No", then calculate the accumulative offline transaction amount of money at least occurred under the null situation of the amount of money deposited by circle, enter step S20.
The present invention also provides the online liquidation method of mobile payment device 10 as shown in Figure 1.In online liquidation method, all offline transaction records stored in the application of mobile payment device 10 read and are uploaded to clearance server 70 by online replacement module 110, so that clearance server 70 can be remitted money with payer reconciliation clearance.Wherein, the bank card that the liquidated amount of money can be bound according to user by clearance server 70 or payment account are remitted money, and complete truly withholing of background account.
The operation of online clearance initiatively can be initiated by the APP realizing online replacement module 110, also can be initiated by user.When mobile payment device 10 can be networked, the initiation of clearance operation can be that user's unaware ground initiatively completes, and can not only experience by optimizing user like this, can also reduce the loss caused after mobile phone is lost as far as possible.Once this equipment of discovering server is registered as lost condition, online replacement module 110 can applies by active lock, refuse any offline transaction.
After online clearance success, correlator accumulator and the state thereof of offline transaction amount of money cumulative calculation module 130, offline transaction number of times cumulative calculation module 140 and online clearance time interval computing module 150 can be reset, namely, the accumulative offline transaction amount of money, accumulative offline transaction number of times and each replacement in the described time interval are reset, thus makes user to proceed offline transaction.
Above example mainly describes mobile payment device of the present invention and method of mobile payment thereof and online liquidation method.Although be only described some of them embodiments of the present invention, those of ordinary skill in the art should understand, and the present invention can implement with other forms many not departing from its purport and scope.Therefore, the example shown and embodiment are regarded as illustrative and not restrictive, when do not depart from as appended each claim define the present invention spirit and scope, the present invention may contain various amendments and replacement.
Claims (16)
1. a mobile payment device (10), comprises safe unit (120), it is characterized in that, also comprise:
Online replacement module (110), it is for being uploaded to clearance server (70) to carry out online clearance in online condition down to major general's offline transaction record;
Be arranged on offline transaction amount of money cumulative calculation module (130) in described safe unit (120), it for calculating the accumulative offline transaction amount of money at least occurred under the null situation of the amount of money deposited by circle, and judges whether the described accumulative offline transaction amount of money and current dealing money sum are greater than the first predetermined value; And
Be arranged on offline transaction number of times cumulative calculation module (140) in described safe unit and/or online clearance time interval computing module (150);
Wherein, described offline transaction number of times cumulative calculation module (140) for calculating the accumulative offline transaction number of times at least occurred under the null situation of the amount of money deposited by circle, and judges whether described accumulative offline transaction number of times is greater than the second predetermined value;
Described online clearance time interval computing module (150) at least deposits the time interval apart from online clearance last time in the null situation of the amount of money at circle for calculating, and judges whether the described time interval is greater than the 3rd predetermined value;
Wherein, described circle deposits the amount of money and described first predetermined value sum for representing the primary balance value of described mobile payment device after described online clearance, and described offline transaction record at least comprises the described accumulative offline transaction amount of money.
2. mobile payment device as claimed in claim 1, is characterized in that, also comprise:
Be arranged on the first predetermined value setting module (131) in described safe unit (120); And
Be arranged on the second predetermined value setting module (141) in described safe unit (120) and/or the 3rd predetermined value setting module (151);
Wherein, described offline transaction amount of money cumulative calculation module (130) couples described first predetermined value setting module (131) and obtains described first predetermined value from it; Described offline transaction number of times cumulative calculation module (140) couples described second predetermined value setting module (141) and obtains described second predetermined value from it; Described online clearance time interval computing module (150) couples described 3rd predetermined value setting module (151) and obtains described 3rd predetermined value from it.
3. mobile payment device as claimed in claim 1 or 2, it is characterized in that, described online replacement module (110) is configured to after described online clearance, send the instruction described accumulative offline transaction amount of money, described accumulative offline transaction number of times and each replacement in the described time interval reset.
4. mobile payment device as claimed in claim 1, it is characterized in that, described offline transaction amount of money cumulative calculation module (130) is also configured to the instruction sending refusal offline transaction when the described accumulative offline transaction amount of money is judged as and is greater than described first predetermined value.
5. mobile payment device as claimed in claim 1, it is characterized in that, described offline transaction number of times cumulative calculation module (140) is also configured to the instruction sending refusal offline transaction when the described accumulative offline transaction amount of money is judged as and is greater than described second predetermined value.
6. mobile payment device as claimed in claim 1, is characterized in that, described online clearance time interval computing module (150) is also configured to the instruction sending refusal offline transaction when the described time interval is judged as and is greater than described 3rd predetermined value.
7. mobile payment device as claimed in claim 1, it is characterized in that, described mobile payment device (10) is at least for communicating to carry out described offline transaction with accepting terminal (80).
8. mobile payment device as claimed in claim 1, it is characterized in that, when described circle deposit the amount of money be more than or equal to current dealing money, described offline transaction amount of money cumulative calculation module (130), offline transaction number of times cumulative calculation module (140) and online clearance time interval computing module (150) quit work.
9. mobile payment device as claimed in claim 1, is characterized in that, described offline transaction amount of money cumulative calculation module (130) also deposits at circle the accumulative offline transaction amount of money occurred the amount of money is less than current dealing money for calculating; And
Described offline transaction number of times cumulative calculation module (140) is also for being calculated to accumulative offline transaction number of times by depositing at circle this offline transaction occurred the amount of money is less than current dealing money.
10. mobile payment device as claimed in claim 1, it is characterized in that, described mobile payment device (10) is realized by intelligent terminal.
The method of mobile payment of 11. 1 kinds of mobile payment devices as claimed in claim 1 (10), is characterized in that, comprising:
Step 1: accepting terminal (80) sends instruction to described mobile payment device (10) to initiate the off line payment process of offline transaction;
Step 2: judge whether the described accumulative offline transaction amount of money and current dealing money sum are greater than the first predetermined value; If be judged as "Yes", then refuse described off line and pay, the failure of described accepting terminal (80) response transaction; If be judged as "No", then perform at least one in following steps 3 or step 4 further;
Step 3: judge whether described accumulative offline transaction number of times is greater than the second predetermined value, if be judged as "Yes", then refuse described off line and pays, the failure of described accepting terminal (80) response transaction;
Step 4: judge whether the described time interval is greater than the 3rd predetermined value, if be judged as "Yes", then refuse described off line and pays, the failure of described accepting terminal (80) response transaction.
12. method of mobile payment as claimed in claim 11, it is characterized in that, comprising: when being judged as "No" in described step 3 and/or described step 4, then allow described off line to pay, and record the transaction details of this off line payment process, the success of described accepting terminal (80) response transaction.
13. method of mobile payment as claimed in claim 11, is characterized in that, between step 1 and step 2, also comprise step:
Judge whether current dealing money is greater than circle and deposits the amount of money; If be judged as "Yes", then use circle to deposit the amount of money and carry out off line payment, mobile payment process terminates; If be judged as "No", then calculate the accumulative offline transaction amount of money at least occurred under the null situation of the amount of money deposited by circle, continue to enter step 2.
The online liquidation method of 14. 1 kinds of mobile payment devices as claimed in claim 1 (10), is characterized in that, under online condition, be uploaded to clearance server (70) to carry out online clearance by online replacement module (110) to major general's offline transaction record.
15. online liquidation methods as claimed in claim 14, is characterized in that, after described online clearance, the described accumulative offline transaction amount of money, described accumulative offline transaction number of times and each replacement in the described time interval are reset.
16. online liquidation methods as claimed in claim 14, is characterized in that, described online clearance is automatically initiated by described online replacement module (110) or initiatively initiated by user.
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