CN107993064A - A kind of enterprise's stored-value-card issuance method and its system based on NFC - Google Patents
A kind of enterprise's stored-value-card issuance method and its system based on NFC Download PDFInfo
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- CN107993064A CN107993064A CN201711224779.5A CN201711224779A CN107993064A CN 107993064 A CN107993064 A CN 107993064A CN 201711224779 A CN201711224779 A CN 201711224779A CN 107993064 A CN107993064 A CN 107993064A
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- Prior art keywords
- nfc
- stored
- card
- mobile terminal
- user
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- 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
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- 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
- G06Q20/349—Rechargeable cards
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Abstract
The present invention provides a kind of enterprise's stored-value-card issuance method and its system based on NFC, the described method includes：User provides the identification information of subscriber identity information and the mobile terminal by mobile terminal to management server；Management server calls encryption unit generation security/encryption information；Security/encryption information is sent on the mobile terminal of user by management server；User buys enterprise's stored value card, and Sales Channel submits hair fastener request to card issuer server；Card issuer server calls security/encryption information and generates NFC stored value cards, and institute's NFC stored value cards are sent on the mobile terminal of user；The mobile terminal of user receives the NFC stored value cards and preserves；Mobile terminal close to the card-reading zone for checking and writing off terminal of businessman, is checked and write off the NFC stored value cards stored in terminal-pair customer mobile terminal and carries out consumption and check and write off operation by user.Enterprise's stored-value-card issuance method and its system operatio provided by the invention based on NFC are simple, have a safety feature, easy to use.
Description
Technical field
The present invention relates to electronic banking field, more particularly to a kind of enterprise's stored-value-card issuance method based on NFC and its it is
System.
Background technology
Enterprise's stored value card system is the system for managing corporate member's stored value card of specialty, and major function point should wrap
Include：Stored value privileges rule is arbitrarily set, and supports to reward Stored Value gold, integration or electronic coupons, during member's Stored Value, system during Stored Value
Calculated automatically by Stored Value volume and reward and be issued in card.Member's stored value card system provides the money that can be supplemented with money at any time for member and enterprise
Golden platform, member, which supplements card management platform with money and applies type of financial standard and make, to be formed, with convenient, safety, fast to account speed and write
Claim, member card recharge procedure is easy, and user-friendly for operation, fund can arrive account immediately after supplementing with money, to account after can use immediately.
But existing enterprise's stored value card is most of at present is issued in the form of magnetic stripe card or IC card, when client's use, needs
Entity card is carried, transfers to work institute personnel to carry out bankcard consumption use on POS machine tool.Meanwhile existing enterprise's stored value card peace
Full poor performance, any people for picking up this card can directly carry out bankcard consumption use, security risk brought to user and businessman.
With the popularization and application of mobile Internet, consumer increasingly tends to substitute all kinds of entity cards with mobile phone.Existing enterprise is real
Body stored value card is due to that must arrive the purchase of shops of enterprise and it is necessary to which use could be consumed by carrying card, so more and more disappearing
Expense person abandons purchase entity stored value card, causes the sales volume of enterprise's stored value card to keep falling.
Existing enterprise's stored value card system manages the problem of inconvenient in the prevalence of inconvenient for use, poor safety performance.
The content of the invention
In order to solve the above technical problems, patent purpose of the present invention is to devise a kind of enterprise's stored value card based on NFC
Distributing method and its system, it is easy to operate, have a safety feature, it is easy to use.
The present invention is realized particular by following technical scheme：
A kind of enterprise's stored-value-card issuance method based on NFC, includes the following steps：
Step S101, user provide subscriber identity information and the mobile terminal by mobile terminal to management server
Identification information；
Step S102, the management server are called encryption unit and are given birth to according to the subscriber identity information and identification information
Into security/encryption information；
The security/encryption information is sent on the mobile terminal of user by step S103, management server, the shifting of user
Dynamic terminal receives the security/encryption information and preserves；
Step S104, user buy enterprise's stored value card by Sales Channel, and Sales Channel submits hair fastener to card issuer server
Request；
Step S105, after the card issuer server receives the hair fastener request, calls the security/encryption information and life
It is sent into NFC stored value cards, and by the NFC stored value cards on the mobile terminal of user；
Step S106, the mobile terminal of user receive the NFC stored value cards and preserve；
Step S107, when user consumes to specified businessman, the Card Reader for checking and writing off terminal by mobile terminal close to the businessman
Area, checks and writes off the NFC stored value cards stored in terminal-pair customer mobile terminal and carries out consumption and check and write off operation, and generates consumption note
Record.
Specifically, the method for the invention further comprises：
The subscriber identity information, security/encryption information and NFC stored value cards are stored in the mobile terminal.
Specifically, terminal of the present invention of checking and writing off includes PSAM card modules, the terminal of checking and writing off utilizes PSAM card modules pair
The NFC stored value cards stored in customer mobile terminal carry out consumption and check and write off operation.
Specifically, Sales Channel of the present invention includes APP sale, wechat sale or retailing shop sale.
The present invention also provides a kind of enterprise's stored-value-card issuance system based on NFC, including mobile terminal, management server,
Encryption unit, card issuer server and terminal is checked and write off, the management server connects with the encryption unit and card issuer server respectively
Connect；Wherein,
The management server is used for the subscriber identity information and identification information for receiving user's submission, and calls the encryption
Unit generates security/encryption information, and the security/encryption information is sent to the mobile terminal and the issuer services
Device；
The encryption unit is used to generate the security/encryption information；
The card issuer server is used for the hair fastener request for receiving user's submission, and calls the security/encryption information to generate
NFC stored value cards, and the NFC stored value cards are sent on the mobile terminal of user；
The terminal of checking and writing off is used for when user consumes to specified businessman, establishes NFC with mobile terminal and is connected, user is moved
The NFC stored value cards stored in dynamic terminal carry out consumption and check and write off operation, and generate consumer record.
Specifically, mobile terminal of the present invention includes SE modules, the subscriber identity information, security/encryption information and
NFC stored value cards are all stored in the SE modules.
Specifically, terminal of the present invention of checking and writing off includes：
NFC reader module, is connected for establishing NFC with mobile terminal, and reads the letter of the NFC stored value cards in mobile terminal
Breath；
PSAM card modules, for the NFC Stored Values card information to be decrypted；
Module is checked and write off, is checked and write off for carrying out consumption to the NFC stored value cards.
The enterprise's stored-value-card issuance method based on NFC and its system that patent of the present invention provides compared with prior art, can
The sale that enterprise's stored value card is carried out by on-line off-line various Sales Channels is issued, and user's operation is simple, and consumption time is without beating
APP is opened, close to terminal is checked and write off, use is easy to operate；GPRS network is not depended on during consumption, obstructed do not interfere with of network disappears
Take, also can effectively prevent from stealing and brush, have a safety feature.
Brief description of the drawings
Embodiments of the present invention is further illustrated referring to the drawings, wherein：
Fig. 1 is a kind of flow chart of enterprise's stored-value-card issuance method based on NFC of the present invention；
Fig. 2 is a kind of structure chart of enterprise's stored-value-card issuance system based on NFC of the present invention.
Embodiment
The present invention is described in further detail with specific embodiment below in conjunction with the accompanying drawings.
The present invention proposes a kind of enterprise's stored-value-card issuance method based on NFC, referring to Fig. 1, including the following steps：
Step S101, user provide subscriber identity information and the mobile terminal by mobile terminal to management server
Identification information.
Specifically, NFC mobile terminal user carries out user's registration by APP, submit and move to NFC subscriber management servers
The uniqueness ID identification informations of the subscriber identity informations such as termination number and NFC mobile terminal.
Step S102, the management server are called encryption unit and are given birth to according to the subscriber identity information and identification information
Into security/encryption information.
The security/encryption information is sent on the mobile terminal of user by step S103, management server, the shifting of user
Dynamic terminal receives the security/encryption information and preserves.
Specifically, subscriber management server calls encryption unit, private key encryption letter safely is generated for NFC mobile terminal user
Breath, and user's NFC mobile terminal is issued to, user personalization operation is carried out, associated safety encryption information is sent to mobile whole
In end；
Step S104, user buy enterprise's stored value card by Sales Channel, and Sales Channel submits hair fastener to card issuer server
Request.
Specifically, the Sales Channel includes APP sale, wechat sale or retailing shop sale.User can pass through
The on-line off-line various Sales Channel purchase enterprise stored value cards such as retailing shop under APP, wechat public platform, line.
Step S105, after the card issuer server receives the hair fastener request, calls the security/encryption information and life
It is sent into NFC stored value cards, and by the NFC stored value cards on the mobile terminal of user.
Step S106, the mobile terminal of user receive the NFC stored value cards and preserve.
Step S107, when user consumes to specified businessman, the Card Reader for checking and writing off terminal by mobile terminal close to the businessman
Area, checks and writes off the NFC stored value cards stored in terminal-pair customer mobile terminal and carries out consumption and check and write off operation, and generates consumption note
Record.
Specifically, the terminal of checking and writing off includes PSAM card modules, the terminal of checking and writing off moves user using PSAM card modules
The NFC stored value cards stored in dynamic terminal carry out consumption and check and write off operation.
NFC mobile terminal receives NFC stored value cards and will be preserved in the SE modules of NFC stored value cards write-in mobile terminal；User
When being consumed in specified place, NFC mobile terminal is checked and write off into terminal NFC reader close to businessman；Check and write off terminal and utilize PSAM snap gauges
The stored value card that block issues the businessman in user mobile phone SE carries out consumption and checks and writes off operation, and generates consumer record.
Specifically, the method is further included：By the subscriber identity information, security/encryption information and NFC stored value cards
It is stored in the mobile terminal.
Based on same inventive concept, a kind of stored-value-card issuance system of enterprise based on NFC is additionally provided in the embodiment of the present invention
System, since the principle that said system solves the problems, such as is similar to enterprise's stored-value-card issuance method based on NFC, said system
Implementation may refer to the implementation of method.
Referring to Fig. 2, a kind of enterprise's stored-value-card issuance system based on NFC, including mobile terminal, management server plus
Close unit, card issuer server and terminal is checked and write off, the management server is connected with the encryption unit and card issuer server respectively；
Wherein,
The management server is used for the subscriber identity information and identification information for receiving user's submission, and calls the encryption
Unit generates security/encryption information, and the security/encryption information is sent to the mobile terminal and the issuer services
Device；
The encryption unit is used to generate the security/encryption information；
The card issuer server is used for the hair fastener request for receiving user's submission, and calls the security/encryption information to generate
NFC stored value cards, and the NFC stored value cards are sent on the mobile terminal of user；
The terminal of checking and writing off is used for when user consumes to specified businessman, establishes NFC with mobile terminal and is connected, user is moved
The NFC stored value cards stored in dynamic terminal carry out consumption and check and write off operation, and generate consumer record.
Specifically, mobile terminal of the present invention includes SE modules, the subscriber identity information, security/encryption information and
NFC stored value cards are all stored in the SE modules.
Specifically, terminal of the present invention of checking and writing off includes：
NFC reader module, is connected for establishing NFC with mobile terminal, and reads the letter of the NFC stored value cards in mobile terminal
Breath；
PSAM card modules, for the NFC Stored Values card information to be decrypted；
Module is checked and write off, is checked and write off for carrying out consumption to the NFC stored value cards.
The embodiment of present invention described above, is not intended to limit the scope of the present invention..Any basis
The various other corresponding changes and deformation that the technical concept of the present invention is made, should be included in the guarantor of the claims in the present invention
In the range of shield.
Claims (7)
- A kind of 1. enterprise's stored-value-card issuance method based on NFC, it is characterised in that include the following steps：Step S101, user provide the identification of subscriber identity information and the mobile terminal by mobile terminal to management server Information；Step S102, the management server call encryption unit and according to the subscriber identity informations and identification information generation peace Full encryption information；The security/encryption information is sent on the mobile terminal of user by step S103, management server, the mobile end of user End receives the security/encryption information and preserves；Step S104, user buy enterprise's stored value card by Sales Channel, and Sales Channel submits hair fastener request to card issuer server；Step S105, after the card issuer server receives the hair fastener request, calls the security/encryption information and generates NFC Stored value card, and the NFC stored value cards are sent on the mobile terminal of user；Step S106, the mobile terminal of user receive the NFC stored value cards and preserve；Step S107, when user consumes to specified businessman, by mobile terminal close to the card-reading zone for checking and writing off terminal of the businessman, core The NFC stored value cards stored in pin terminal-pair customer mobile terminal carry out consumption and check and write off operation, and generate consumer record.
- A kind of 2. enterprise's stored-value-card issuance method based on NFC according to claim 1, it is characterised in that the method Further comprise：The subscriber identity information, security/encryption information and NFC stored value cards are stored in the mobile terminal.
- 3. a kind of enterprise's stored-value-card issuance method based on NFC according to claim 1, it is characterised in that described to check and write off Terminal includes PSAM card modules, and the terminal of checking and writing off stores up the NFC stored in customer mobile terminal using PSAM card modules Value card carries out consumption and checks and writes off operation.
- A kind of 4. enterprise's stored-value-card issuance method based on NFC according to claim 1, it is characterised in that the sale Channel includes APP sale, wechat sale or retailing shop sale.
- 5. a kind of enterprise's stored-value-card issuance system based on NFC, it is characterised in that including mobile terminal, management server, encryption Unit, card issuer server and terminal is checked and write off, the management server is connected with the encryption unit and card issuer server respectively；Its In,The management server is used for the subscriber identity information and identification information for receiving user's submission, and calls the encryption unit Security/encryption information is generated, and the security/encryption information is sent to the mobile terminal and the card issuer server；The encryption unit is used to generate the security/encryption information；The card issuer server is used for the hair fastener request for receiving user's submission, and calls the security/encryption information generation NFC storages Value card, and the NFC stored value cards are sent on the mobile terminal of user；The terminal of checking and writing off is used for when user consumes to specified businessman, establishes NFC with mobile terminal and is connected, user is moved eventually The NFC stored value cards stored in end carry out consumption and check and write off operation, and generate consumer record.
- A kind of 6. enterprise's stored-value-card issuance system based on NFC according to claim 5, it is characterised in that the movement Terminal includes SE modules, and the subscriber identity information, security/encryption information and NFC stored value cards are all stored in the SE modules.
- 7. a kind of enterprise's stored-value-card issuance system based on NFC according to claim 5, it is characterised in that described to check and write off Terminal includes：NFC reader module, is connected for establishing NFC with mobile terminal, and reads the NFC Stored Value card informations in mobile terminal；PSAM card modules, for the NFC Stored Values card information to be decrypted；Module is checked and write off, is checked and write off for carrying out consumption to the NFC stored value cards.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711224779.5A CN107993064A (en) | 2017-11-29 | 2017-11-29 | A kind of enterprise's stored-value-card issuance method and its system based on NFC |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711224779.5A CN107993064A (en) | 2017-11-29 | 2017-11-29 | A kind of enterprise's stored-value-card issuance method and its system based on NFC |
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ID=62034308
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