CN106127462A - Method of mobile payment under the line of prepaid card account carrier - Google Patents
Method of mobile payment under the line of prepaid card account carrier Download PDFInfo
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- CN106127462A CN106127462A CN201610444155.3A CN201610444155A CN106127462A CN 106127462 A CN106127462 A CN 106127462A CN 201610444155 A CN201610444155 A CN 201610444155A CN 106127462 A CN106127462 A CN 106127462A
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- Prior art keywords
- prepaid card
- payment
- payment platform
- card account
- message
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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
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
Abstract
The invention discloses a kind of method of mobile payment under the line of prepaid card account carrier, when paying under line using prepaid card account carrier to carry out, whether prepaid card payment platform can be prejudged this prepaid card account balance and be sufficient for this time tying and pay, pay if it is not, Third-party payment platform then can be asked further to carry out knot；By that analogy, the situation that Third-party payment account balance is not enough met by Third-party payment platform, credit card issuer payment platform (i.e. bank) can be asked equally further this time to tie and pay.The technical scheme provided by the present invention, pay even if prepaid card account balance is not enough to knot, Third-party payment platform can also be continued through and bank carries out knot and pays, the knot realizing off-line transaction by payment platforms multiple on line is paid, i.e. fill i.e. use, improve the payment success rate of off-line transaction and user and to the use wish of prepaid card account carrier and use frequency.
Description
Technical field
The invention belongs to mobile payment field, be specifically related to a kind of mobile payer under the line of prepaid card account carrier
Method.
Background technology
Prepaid card, refers to what prepaid card card sending mechanism was issued with specific support and form, can prepaid card card sending mechanism it
It is used for outward buying commodity or service.The use process of prepaid card is, consumer prestores certain amount of money in the prepaid card held,
In the case of supporting that the trade company that prepaid card pays does not makes to be traded in cash, only can in advance payment in fact by prepaid card
Execute one or many Shopping Behaviors.
Promote the use of prepaid card, for trade company, mainly have following benefit: 1, enhance safety.Consumer uses prepayment
Card, businessman does not handle cash, decreases the circulation of cash, both can avoid receiving counterfeit money and cause loss, and can reduce again robber and rob
Equivalent risk；2, profit increases.Use prepaid card to add the business revenue channel of trade company in the way of increasing means of payment, and consume
When person uses prepaid card to do shopping, the desire for consumer goods is relatively strong, and trade company can be made to realize sales growth；3, improve efficiency, reduce cost.
Using prepaid card, cash is collected, account revenue and expenditure reduces in a large number, both can improve efficiency, can reduce again the artificial and expense of equipment；4、
Traveller can be stablized.Consumer after the shop of certain system prestores cash and obtains prepaid card, will within a certain period of time with other
" breaking off a friendship " in the shop of system, becomes the stable client of this systems shop；5, use infrequently or the prepaid card abandoned can be for prepaying
Card issuing brings stable financing deposition.
For using the consumer of prepaid card, also there are many benefits, show: 1, user obtains the threshold ratio of prepaid card
The acquisition credit card, bank card are low；When 2, obtaining prepaid card, if using half system of real name certification, user can be removed from and go to business hall to open
The trouble of card, formality is relatively easy；3, prepaid card is usually small amount consumption, and prepaid balance is limited, just in case losing and stolen, and loss
Less, risk is controlled；4, prepaid card on band, can without or few band cash, reduce stolen risk, safety strengthens；5, prepaid card
It is easy to carry about with one, remaining sum can be shown after shopping, bagful change will not be come to, use more convenient；6, consumer is pre-in purchase of paying
When paying card, card sending mechanism gives certain to supplement discount (such as nine foldings) with money sometimes, enhances the desire for consumer goods of consumer, preferential
Property is more preferably.
Although prepaid card has above-mentioned various advantages, but still there are some drawbacks, such as, consumer uses prepaid card
During consumption, if Sorry, your ticket has not enough value to pay the current consumption amount of money for prepaid card account, it will block this prepaid card payment transaction, then
Use other means of payment.Due to consumer cannot in the case of prepaid card account balance deficiency in time/in real time to prepaid card
Supplement with money, thus can cause consumer that the enthusiasm using prepaid card consumption is weakened, be not easy to promote the use of prepaid card conduct
Preferably means of payment.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of method of mobile payment under the line of prepaid card account carrier,
When paying under line using prepaid card account carrier to carry out, prepaid card payment platform can be prejudged this prepaid card account balance and be
No be sufficient for this time tying pay, pay if it is not, Third-party payment platform then can be asked further to carry out knot；By that analogy, the 3rd
Side's payment platform meets the situation that Third-party payment account balance is not enough, can ask credit card issuer payment platform (i.e. silver equally further
OK) this time tie pay.The technical scheme provided by the present invention, even if prepaid card account balance is not enough to knot and pays, moreover it is possible to continue
Continuing and carry out knot pair by Third-party payment platform and bank, the knot realizing off-line transaction by payment platforms multiple on line is paid,
I.e. fill i.e. use, improve the payment success rate of off-line transaction and user and to the use wish of prepaid card account carrier and use frequency
Rate.
For solving above-mentioned technical problem, the present invention adopts the following technical scheme that:
A kind of method of mobile payment under the line of prepaid card account carrier, comprises the following steps:
S10. payment message is transferred to POS terminal by prepaid card account carrier；
The payment message received is sent to prepaid card payment platform by S20.POS terminal through POS operator；Wherein,
S201. judged prepaid card account balance whether to be sufficient for this time by prepaid card payment platform to tie to pay,
If sufficient, then carry out payment and settlement and return knot pair message to POS terminal through POS operator；
If not enough, then prepaid card payment platform sends third party's knot and pays request to there being the Third-party payment receiving single qualification to put down
Platform；Further,
S202. Third-party payment platform receives third party's knot pair request and judges that the third party being tied to prepaid card account props up
Pay account balance whether to be sufficient for this time tying and pay,
If sufficient, then carry out payment and settlement and return knot pay message to POS eventually through prepaid card payment platform, POS operator
End；
If not enough, then Third-party payment platform sends bank's knot pair and asks extremely to set up with Third-party payment platform have quick propping up
Pay the credit card issuer payment platform of binding relationship；Further,
S203. credit card issuer payment platform receives bank's knot and pays the bank card asking and judging to be tied to Third-party payment account
Whether account balance is sufficient for this time tying is paid,
If sufficient, then carry out payment and settlement and return through Third-party payment platform, prepaid card payment platform, POS operator
Knot pays message to POS terminal；
If not enough, refusal this time transaction.
In one preferred embodiment, described prepaid card account carrier is the prepaid card of entity.
In one preferred embodiment, described prepaid card account carrier is prepaid card payment mechanism.
In one preferred embodiment, described prepaid card payment mechanism is wearable device.
In one preferred embodiment, paid by Unionpay's payment platform between prepaid card payment platform and POS operator
Message, knot pay the transmission of message.
In one preferred embodiment, described prepaid card payment mechanism includes control module, fiscard module and launches antenna, institute
State fiscard module and generate the payment message for paying emitted antenna by payment according to the prepaid card accounts information of storage
Message sends to POS terminal.
In one preferred embodiment, described prepaid card accounts information includes paying labelling.
In one preferred embodiment, described prepaid card accounts information includes prepaid card card number information and prepaid card effect duration letter
Breath.
In one preferred embodiment, described transmitting antenna includes that magnetic field impulse launches antenna.
In one preferred embodiment, described transmitting antenna includes NFC antenna.
The present invention is used to have a following beneficial effect:
1, use payment platform on multiple line to tie in real time to pay, even if prepaid card account balance is not enough, it is also possible to pass through
The knot of the off-line transaction that Third-party payment platform and credit card issuer payment platform (bank) carry out prepaid card account carrier is paid, and compares
Traditional prepaid card transactions pays only with prepaid card account balance, and the embodiment of the present invention can be greatly improved knot and pay into
Power.
2, traditional i.e. fill i.e. with throwing away making prepaid card be finished after (usually others fills in generation) after supplementing with money first, and
The technical scheme provided according to the embodiment of the present invention, it is not necessary to supplement prepaid card carrier with money the most in advance, only need to be by prepaid card carrier
Carry out binding with Third-party payment account and bank account, formed one by consumer commonly used such as the credit card or silver
The means of payment that row card is the same.
3, the embodiment of the present invention can use prepaid card payment mechanism with mNFC (magnetic field impulse near-field communication, magnetic Near
Field Communication)/NFC (near-field communication, Near Field Communication) near field means of payment will
Paying message to send to POS terminal, user can use prepaid card payment mechanism to pay in the most all POS terminal, it is ensured that
The online lower all standing paying scene.
4, the embodiment of the present invention provide method of payment can relate to simultaneously prepaid card payment platform, Third-party payment platform and
Bank, associates the payment platform of current main-stream, it is achieved information flow between multiple payment platforms and each other
Mutual reciprocity and mutual benefit.
Accompanying drawing explanation
Fig. 1 is the flow chart of method of mobile payment under the line of prepaid card account carrier of the embodiment of the present invention；
Fig. 2 is the prepaid card payment mechanism main modular schematic diagram of the embodiment of the present invention.
Detailed description of the invention
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
Describe, it is clear that described embodiment is a part of embodiment of the present invention rather than whole embodiments wholely.Based on this
Embodiment in bright, the every other enforcement that those of ordinary skill in the art are obtained under not making creative work premise
Example, broadly falls into the scope of protection of the invention.
See Fig. 1, embodiments provide a kind of method of mobile payment under the line of prepaid card account carrier, main
Comprise the following steps:
S10. payment message is transferred to POS terminal 101 by prepaid card account carrier 100；
The payment message received is sent to prepaid card payment platform by S20.POS terminal 101 through POS operator 102
104；Wherein,
S201. judged whether prepaid card account balance is sufficient for this payment and settlement by prepaid card payment platform 104, if
Abundance, then carry out payment and settlement and return knot pair message to POS terminal 101 through POS operator 102；If not enough, then prepaid card props up
Pay platform 104 and send third party's knot pair request to there being the Third-party payment platform 105 receiving single qualification；Further,
S202. Third-party payment platform 105 receives third party's knot pair request and judges to be tied to the 3rd of prepaid card account
Whether side's payment account remaining sum is sufficient for this payment and settlement, if sufficient, then carry out payment and settlement and pays through prepaid card flat
Platform 104, POS operator 102 return knot and pay message to POS terminal 101；If not enough, then Third-party payment platform 105 sends bank
Knot is paid request and is extremely set up have the quick credit card issuer payment platform 106 paying binding relationship with Third-party payment platform；Further,
S203. credit card issuer payment platform 106 receives bank's knot and pays the silver asking and judging to be tied to Third-party payment account
Whether row card account balance is sufficient for this time settling accounts, if sufficient, then carry out payment and settlement and through Third-party payment platform 105,
Prepaid card payment platform 104, POS operator 102 return knot and pay message to POS terminal 101；If not enough, refusal this time transaction.
In embodiments of the present invention, consumer is using prepaid card account carrier 100 to carry out in the POS terminal 101 of businessman
Swiping the card or time plug-in card pays, POS terminal 101 obtains to pay and is forwarded to prepay by payment message by POS operator 102 after message
Card payment platform 104.If the prepaid card account carrier that consumer now uses is the prepaid card of entity, then prepaid card payment platform
Directly can find corresponding prepaid card account according to the payment message received.If the prepaid card account that consumer now uses carries
Body is prepaid card payment mechanism, has two kinds of situations: 1. the payment message that prepaid card payment mechanism sends out is for comprising prepaid card card
Number wait direct information time, prepaid card payment platform can directly find corresponding prepaid card account according to the payment message received；
2. the message that pays that prepaid card payment mechanism sends out is TSP (the Token Service according to prepaid card payment platform
Provider, labelling service provider) algorithm of server settings, key and payment labelling (or prepaid card card number) generate dynamic
When state pays message, after prepaid card payment platform 104 receives payment message, first pass through card BIN (Bank
IdentificationNumber, card sending mechanism identification code) identify a need for TSP parsing, then by TSP server solution
Analysis, checking POS operator 102 send the payment message of coming, to find out the prepaid card account corresponding with this payment message namely right
Pay message to carry out resolving and be mapped as primary account number information (PAN, PrimaryAccountNumber).
Further, after prepaid card payment platform finds the prepaid card account of correspondence, it is judged that more than this prepaid card account
Whether volume is sufficient for tying is paid, if sufficient, then directly carry out knot from prepaid card account and pays, and pays through POS operator 102 return knot
Message, to POS terminal 101, is exported bill information by POS terminal 101 and prints payment strip, thus realizes prepaid card and pay flat
The knot in real time of platform 104 is paid；If it is not enough, then prepaid card payment platform 104 can find out the third party being tied to this prepaid card account
Payment account, and send third party's knot pair request to Third-party payment platform 105.
Third-party payment platform 105 sends after the third party's knot come pays request receiving prepaid card payment platform 104, first
First pay request to third party's knot to resolve, verify to find out corresponding Third-party payment account, and judge more than prepaid card account
Volume the most this time tie pay, if sufficient, then from this Third-party payment account carry out knot pay, and through prepaid card payment platform 104,
POS operator 102 return knot pair message, to POS terminal 101, is exported bill information by POS terminal 101；If it is not enough, then the 3rd
Side's payment platform can be found out and be tied to the bank card account of this Third-party payment account and continue to send bank's knot pay request to sending out
Card row payment platform 106, pays to ask credit card issuer payment platform 106 to carry out knot.Wherein, technology provided by the present invention is being implemented
Before scheme pays, user needs to bind with the Third-party payment account of prepaid card account and user oneself, because of
This Third-party payment platform 105 is after receiving third party's knot pair request that prepaid card payment platform 104 transmission comes, to third party
The knot request of paying can find out moment after resolving to should the Third-party payment account of prepaid card account, and judge prepaid card account
Remaining sum is the most this time tied and is paid.
Credit card issuer payment platform 106 is after receiving bank's knot pair request that Third-party payment platform 105 transmission comes, first
Pay request to bank's knot to resolve, verify to find out corresponding bank card account, and whether judge this bank card account remaining sum
It is sufficient for this time tying and pays, if sufficient, then carry out knot from this bank card account and pay, and successively through Third-party payment platform 105, pre-
Pay card payment platform 104, POS operator 102 returns knot and pays message to POS terminal 101, POS terminal 101 export bill letter
Breath；If it is not enough, then credit card issuer payment platform 106 directly refuses this transaction request, and sequentially passes through Third-party payment platform
105, prepaid card payment platform 104, POS operator 102 return Fail Transaction information or the information such as Sorry, your ticket has not enough value to POS terminal
101, POS terminal 101 export payment failure information.Wherein, carry out paying it in enforcement technical scheme provided by the present invention
Before, user needs binding with the bank card account of third party's account user bound oneself, can be entered by bank card account
Row is quick to be paid.Credit card issuer payment platform 106 is receiving third party's knot pair request that Third-party payment platform 105 transmission comes
After, can find out moment after resolving third party's knot request of paying to set up with this third party's account has the quick bank paying relation
Card account, and judge prepaid card account balance the most this time tie pay.
In the present invention in optional embodiment, if through prepaid card payment platform 104, Third-party payment platform 105 or send out
Card row payment platform 106 to pay request or knot pay a request verify unsanctioned in the case of, Third-party payment platform 105 or
Credit card issuer payment platform 106 can directly generate the information such as Fail Transaction or refusal transaction and by prepaid card payment platform 104
It is back to POS terminal 101.
Prepaid card card sending mechanism (belonging under same mechanism with prepaid card payment platform), before providing prepaid card, can shift to an earlier date
By prepaid card accounts information (such as including that card number information and Ka Nei enclose the amount information deposited in advance) typing prepaid card payment platform
104.Additionally, before the payment process stated on the implementation, user needs prepaid card account and Third-party payment account (such as hundred
Fu Bao, wealth pay that logical, the telecommunications wing pays, the Third-party payment accounts such as payment are irrigated by UNICOM) between, Third-party payment account and bank card
Bind between account bank accounts such as () such as Construction Bank, industrial and commercial bank, Bank of China, China Merchants Banks, with will prepayment
Between card account with Third-party payment account, associate between Third-party payment account and bank card account.Optionally, one
Third-party payment account can be tied to multiple prepaid card account or bank card account simultaneously；Or a prepaid card account binding
To multiple Third-party payment accounts, and arrange and use priority accordingly；Or, by that analogy.Log in simplify and verify
Program, it is preferred that Third-party payment account and prepaid card account can arrange identical password, facilitate memory of consumers simultaneously.
In the present invention, with reference to Fig. 1, in another kind of embodiment, between prepaid card payment platform 104 and POS operator 102
Carrying out paying message, the transmission of knot pair message by Unionpay's payment platform 103, POS operator 102 is by Unionpay's payment platform
Payment message is sent to prepaid card payment platform 104 by 103, and, prepaid card payment platform 104 is by Unionpay's payment platform
Knot is paid the information such as message or Fail Transaction by 103 is back to POS terminal 101 through POS operator 102.The present invention is by accessing silver
Connection payment platform realizes inter-bank/institutional network clearance, can realize prepaid card payment platform 104 and other financial institution's payment platforms
Interconnecting and resource-sharing between system, it is ensured that prepaid card inter-bank, trans-regional and cross-border use.
In the present invention one optional embodiment, above-mentioned prepaid card account carrier 100 is the prepaid card of entity, namely in advance
Paying card can be the entity prepaid card card with magnetic stripe and/or chip, by swiping the card in POS terminal/and plug-in card receives pre-
Pay the card account carrier 100 payment message that transmission comes.Now, pay two magnetic tracks that message is static and pay message, or IC props up
Pay message.
In another optional embodiment of the present invention, above-mentioned prepaid card account carrier 100 is to include polyelectron element
Prepaid card payment mechanism.This prepaid card payment mechanism can receive the control signal of outside mobile terminal to generate and send payment
Message is to POS terminal 101, it is also possible to do not directly generated and send payment message by himself by external device to POS terminal
101.With reference to shown in Fig. 2 (exemplary conceptual diagram), this prepaid card payment mechanism includes fiscard module 10, control module 11 and sends out
Penetrating antenna, fiscard module 10 generates the payment message for paying emitted antenna according to the prepaid card accounts information of storage
Message will be paid send to POS terminal 101.Consumer is when using prepaid card payment mechanism to be simulated " swiping the card " consumption, golden
Melt card module 10 to generate the payment message for paying according to its prepaid card accounts information stored and incite somebody to action by launching antenna
Pay message to send to POS terminal 101.
Further, above-mentioned transmitting antenna can be that magnetic field impulse launches antenna 12.Magnetic field impulse launches antenna 12 with mNFC
Communication form will pay message (form of magnetic field impulse signal) send to POS terminal 101.Concrete, fiscard module 10 is raw
Become after paying message, first can send the control module 11 to prepaid card payment mechanism by paying message, will by control module 11
Paying message and be sent to magnetic field impulse transmitting antenna 12, magnetic field impulse is launched antenna 12 and is sent out paying message with the form of magnetic field impulse signal
Deliver to the induction magnetic head of POS terminal 101.In another optional embodiment, above-mentioned transmitting antenna can be NFC antenna 13,
NFC antenna 13 will pay message transmission to POS terminal 101 in the non-mode that connects of NFC.Concrete, fiscard module 10 generates and pays
After message, directly can support that the POS terminal 101 that NFC dodges pair function sends by NFC antenna 13 to outside and pay message.
When selection magnetic field impulse transmitting antenna is as the transmitting antenna of prepaid card payment mechanism, magnetic field impulse is launched antenna and can be sent out
Penetrate the payment message of magnetic field impulse signal form to POS terminal 101, propping up of the POS terminal 101 magnetic field impulse signal form to receiving
Paying and send after message is decoded to POS operator 102 (or claiming to receive single platform), POS operator 102 performs paying message
Being forwarded to Unionpay's payment platform 103 after checking, Unionpay's payment platform 103 continues to be sent to prepayment to paying after message is verified
Card payment platform 104, prepaid card payment platform 104 verifies two track data, and judge prepaid card account balance whether be enough to into
Row this time knot is paid, the most then carry out tying paying and returning knot through POS operator 102 and pay message to POS terminal 101；If it is not, continue
Continue and carry out follow-up step S202 and S203 (if being necessary), until transaction success or Fail Transaction.
In an optional embodiment, fiscard module 10 has safety element (i.e. SE chip), storage in safety element
Having prepaid card accounts information, control module 11 sends to fiscard module 10 and comprises the payment request paying message generation instruction,
Fiscard module 10 receives the request of payment and generates the payment message for paying according to prepaid card accounts information.
In optional embodiment, above-mentioned prepaid card accounts information includes prepaid card card number information and prepaid card effect duration letter
Breath.
In another kind of embodiment, prepaid card accounts information includes paying labelling (or prepaid card card number) and key.Fiscard
Module 10 is according to paying labelling and key generation payment message.Paying message is the TSP server according to prepaid card payment platform
What algorithm, key and the payment labelling (or prepaid card card number) set generated dynamically pays message.Wherein, fiscard module is deposited
The payment labelling of storage can be generated by Unionpay's payment platform 103 or prepaid card payment platform 104.
In order to easy to use and strengthen its safety, financial card paying device is wearable device.Certainly, this area skill
Art personnel are it is understood that financial card paying device may be alternatively provided as other example, in hardware or is arranged to biological built-in chip
Form.
Should be appreciated that exemplary embodiment as herein described is illustrative and be not restrictive.Although retouching in conjunction with accompanying drawing
State one or more embodiments of the invention, it should be understood by one skilled in the art that without departing from appended right
In the case of requiring the spirit and scope of the present invention limited, the change of various forms and details can be made.
Claims (10)
1. a method of mobile payment under the line of prepaid card account carrier, it is characterised in that comprise the following steps:
S10. payment message is transferred to POS terminal by prepaid card account carrier；
The payment message received is sent to prepaid card payment platform by S20.POS terminal through POS operator；Wherein,
S201. judged prepaid card account balance whether to be sufficient for this time by prepaid card payment platform to tie to pay,
If sufficient, then carry out payment and settlement and return knot pair message to POS terminal through POS operator；
If not enough, then prepaid card payment platform sends third party's knot and pays request to there being the Third-party payment platform receiving single qualification；Enter
One step,
S202. Third-party payment platform receives third party's knot and pays the Third-party payment account asking and judging to be tied to prepaid card account
Whether family remaining sum is sufficient for this time tying is paid,
If sufficient, then carry out payment and settlement and return knot pay message to POS terminal through prepaid card payment platform, POS operator；
If not enough, then Third-party payment platform sends bank's knot pair and asks extremely to set up with Third-party payment platform have quick payment to tie up
Determine the credit card issuer payment platform of relation；Further,
S203. credit card issuer payment platform receives bank's knot and pays the bank card account asking and judging to be tied to Third-party payment account
Whether remaining sum is sufficient for this time tying is paid,
If sufficient, then carry out payment and settlement and return knot pay through Third-party payment platform, prepaid card payment platform, POS operator
Message is to POS terminal；
If not enough, refusal this time transaction.
2. according to the method for mobile payment under the line of prepaid card account carrier described in claim 1, it is characterised in that described
Prepaid card account carrier is the prepaid card of entity.
3. according to the method for mobile payment under the line of prepaid card account carrier described in claim 1, it is characterised in that described
Prepaid card account carrier is prepaid card payment mechanism.
4. according to the method for mobile payment under the line of prepaid card account carrier described in claim 3, it is characterised in that described
Prepaid card payment mechanism is wearable device.
5., according to the arbitrary described method of mobile payment under the line of prepaid card account carrier of Claims 1-4, its feature exists
In, carry out paying message, the transmission of knot pair message by Unionpay's payment platform between prepaid card payment platform and POS operator.
6. according to the method for mobile payment under the line of prepaid card account carrier described in claim 3 or 4, it is characterised in that
Described prepaid card payment mechanism includes control module, fiscard module and launches antenna, and described fiscard module is according to storage
Prepaid card accounts information generates the payment message for paying and emitted antenna will pay message and send to POS terminal.
7. according to the method for mobile payment under the line of prepaid card account carrier described in claim 6, it is characterised in that described
Prepaid card accounts information includes paying labelling.
8. according to the method for mobile payment under the line of prepaid card account carrier described in claim 6, it is characterised in that described
Prepaid card accounts information includes prepaid card card number information and prepaid card effect duration information.
9. according to the method for mobile payment under the line of prepaid card account carrier described in claim 6, it is characterised in that described
Launch antenna and include that magnetic field impulse launches antenna.
10. according to the method for mobile payment under the line of prepaid card account carrier described in claim 6, it is characterised in that institute
State transmitting antenna and include NFC antenna.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610444155.3A CN106127462A (en) | 2016-06-20 | 2016-06-20 | Method of mobile payment under the line of prepaid card account carrier |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201610444155.3A CN106127462A (en) | 2016-06-20 | 2016-06-20 | Method of mobile payment under the line of prepaid card account carrier |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106127462A true CN106127462A (en) | 2016-11-16 |
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| CN201610444155.3A Pending CN106127462A (en) | 2016-06-20 | 2016-06-20 | Method of mobile payment under the line of prepaid card account carrier |
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Cited By (5)
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| CN107808287A (en) * | 2017-11-21 | 2018-03-16 | 艾体威尔电子技术(北京)有限公司 | A kind of aggregate payment system |
| CN108717652A (en) * | 2018-03-30 | 2018-10-30 | 北京三快在线科技有限公司 | Order processing system and method, order placement service end, the second client |
| CN109118369A (en) * | 2018-08-18 | 2019-01-01 | 柳州市嘉乐投资有限公司 | A kind of internet socialization investment system |
| CN110956469A (en) * | 2019-11-21 | 2020-04-03 | 北京三快在线科技有限公司 | Payment method, device, equipment and storage medium |
| CN112714921A (en) * | 2018-09-18 | 2021-04-27 | 比邻系统株式会社 | Real-time recharge payment system, real-time recharge payment device, real-time recharge payment method, and real-time recharge payment program |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107808287A (en) * | 2017-11-21 | 2018-03-16 | 艾体威尔电子技术(北京)有限公司 | A kind of aggregate payment system |
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| CN112714921A (en) * | 2018-09-18 | 2021-04-27 | 比邻系统株式会社 | Real-time recharge payment system, real-time recharge payment device, real-time recharge payment method, and real-time recharge payment program |
| CN110956469A (en) * | 2019-11-21 | 2020-04-03 | 北京三快在线科技有限公司 | Payment method, device, equipment and storage medium |
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