CN109242469A

CN109242469A - Resource transfers method, system based on near-field communication, resource transfers terminal

Info

Publication number: CN109242469A
Application number: CN201810821774.9A
Authority: CN
Inventors: 刘峰; 张德金
Original assignee: Beijing Sankuai Online Technology Co Ltd
Current assignee: Beijing Sankuai Online Technology Co Ltd
Priority date: 2018-07-24
Filing date: 2018-07-24
Publication date: 2019-01-18

Abstract

Resource transfers method of the application based on near-field communication belongs to field of computer technology, solves the problem that existing usage scenario is limited, at high cost when resource transfers in the prior art.The described method includes: obtaining the payment card information of target Payment Card, then resource transfers order is generated according to the merchant identification that the order transferring resource quantity, the Payment Card are identified and be locally stored, and according to online off-line state, resource transfers are executed by corresponding manner.Resource transfers method disclosed in the present application, by the framework and workflow that rebuild resource transfers system, in the case where the card swiping terminal of trade company is online and offline, resource transfers can be accepted, the application scenarios for extending resource transfers of swiping the card, the resource transfers of swiping the card between user and trade company provide huge convenience.

Description

Resource transfers method, system based on near-field communication, resource transfers terminal

Technical field

This application involves field of computer technology, more particularly to a kind of resource transfers method based on near-field communication, are System, resource transfers terminal.

Background technique

It is logical based near field with the development of NFC (Near Field Communication, i.e. near-field communication technology) technology The data of letter are transmitted and payment progresses into daily life, for example, near-field communication accepting terminal.User can be by interior The mobile phone and near-field communication accepting terminal for setting near-field communication module pass through near-field communication transmission data or other resources.For example, with Family carries out order payment by the accepting terminal of businessman, to realize the transfer of currency resource.But in the prior art, businessman's Near-field communication accepting terminal volume is big, at high cost, furthermore, it is desirable to which connecting network could complete to pay, therefore application scenarios are limited, It is not widely used at present.

Summary of the invention

The application provides a kind of resource transfers method based on near-field communication, at least solves resource transfers in the prior art The limited problem of usage scenario existing for method.

To solve the above-mentioned problems, in a first aspect, the embodiment of the present application provides a kind of resource based on near-field communication turn Shifting method, comprising:

Obtain the payment card information of target Payment Card, wherein the payment card information includes at least: surplus resources quantity, Payment Card mark；

When the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to the order Transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate resource transfers order；

According to online off-line state, the corresponding resource transfers of the resource transfers order are executed by corresponding manner.

Second aspect, the embodiment of the present application provide a kind of resource transfers method based on near-field communication, comprising:

The resource transfers order of preset resource transfers terminal storage is received by near-field communication；

The received resource transfers order is sent to preset resource management platform by network, to apply for the money Source capsule platform completes the corresponding resource transfers of the resource transfers order；

Wherein, the resource transfers order be the resource transfers terminal obtain target Payment Card payment card information it Afterwards, when the surplus resources quantity in the payment card information is greater than or equal to the order transferring resource quantity obtained in advance, root According to the order transferring resource quantity obtained in advance, the trade company Payment Card for including mark in the payment card information and be locally stored Mark is generated and is stored.

The third aspect, the embodiment of the present application provide a kind of resource transfers system based on near-field communication and include:

Payment card information obtains module, for obtaining the payment card information of target Payment Card, wherein the payment card information It includes at least: surplus resources quantity, Payment Card mark；

Resource transfers order generation module, for turning when the surplus resources quantity is greater than or equal to the order obtained in advance When moving resource quantity, generated according to the merchant identification that the order transferring resource quantity, the Payment Card are identified and be locally stored Resource transfers order；

Resource transfers module, for executing the resource transfers order pair by corresponding manner according to online off-line state The resource transfers answered.

Fourth aspect, the embodiment of the present application provide a kind of resource transfers system based on near-field communication and include:

Resource transfers order reception module, for receiving the resource of preset resource transfers terminal storage by near-field communication Shift order；

Resource transfers order uploading module, for the received resource transfers order to be sent to resource pipe by network Platform, to apply for that preset resource management platform completes the corresponding resource transfers of the resource transfers order；

5th aspect, the embodiment of the present application provide a kind of resource transfers terminal, comprising: smart card reader module, near field Communication module and application plug, the near-field communication module further comprises: embedded security chip, wherein

The embedded security chip is for storing key and resource transfers order；And the key for passing through storage The resource transfers order is encrypted；

The near-field communication module is also used to send resource transfers order, and receives configuration information, wherein the configuration Information includes: key, operating mode, resource transfers quantity, any one or more in Payment Card blacklist；

The smart card reader module is used to execute entity card or virtual card according to the control of the application plug Read-write operation, wherein the application plug is authenticated by the card sending mechanism of the virtual card or the entity card.

6th aspect, it includes: described in the embodiment of the present application that the embodiment of the present application, which provides a kind of resource transfers system, Resource transfers terminal, resource management client, resource management platform, wherein the resource transfers terminal is for realizing above-mentioned On the one hand the resource transfers method based on near-field communication provided, the resource management client is for realizing above-mentioned the The resource transfers method based on near-field communication that two aspects provide.

7th aspect, the embodiment of the present application also disclose a kind of electronic equipment, including memory, processor and are stored in institute The computer program that can be run on memory and on a processor is stated, the processor realizes this when executing the computer program Apply for the resource transfers method based on near-field communication described in embodiment.

Eighth aspect, the embodiment of the present application provide a kind of computer readable storage medium, are stored thereon with computer journey Sequence, when which is executed by processor the step of the embodiment of the present application disclosed resource transfers method based on near-field communication.

Resource transfers method based on near-field communication disclosed in the embodiment of the present application, passes through the branch by acquisition target Payment Card Card information is paid, and is judged when the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to The order transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate resource transfers order；Then, According to online off-line state, the corresponding resource transfers of the resource transfers order are executed by corresponding manner, solve existing skill Carry out requiring the card swiping terminal of trade company must the limited problem of online caused usage scenario in art when resource transfers.The application is real Resource transfers method disclosed in example is applied by rebuilding the framework of resource transfers system, the card swiping terminal of trade company it is online and from In the case where line, resource transfers can be realized, the application scenarios for resource transfers of swiping the card are extended, between user and trade company Resource transfers of swiping the card provide huge convenience, greatly improve user experience.

Detailed description of the invention

Technical solution in ord to more clearly illustrate embodiments of the present application, below will be in embodiment or description of the prior art Required attached drawing is briefly described, it should be apparent that, the accompanying drawings in the following description is only some realities of the application Example is applied, it for those of ordinary skill in the art, without any creative labor, can also be attached according to these Figure obtains other attached drawings.

Fig. 1 is the resource transfers method flow diagram of the embodiment of the present application one；

Fig. 2 is the structural schematic diagram of the resource transfers terminal in the embodiment of the present application；

Fig. 3 is the resource transfers method flow diagram of the embodiment of the present application two；

Fig. 4 is the resource transfers method flow diagram of the embodiment of the present application three；

Fig. 5 is the resource transfers method flow diagram of the embodiment of the present application four；

Fig. 6 is one of resource transfers apparatus structure schematic diagram of the embodiment of the present application five；

Fig. 7 is the two of the resource transfers apparatus structure schematic diagram of the embodiment of the present application five；

Fig. 8 is one of resource transfers apparatus structure schematic diagram of the embodiment of the present application six；

Fig. 9 is the two of the resource transfers apparatus structure schematic diagram of the embodiment of the present application six.

Specific embodiment

Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete Site preparation description, it is clear that described embodiment is some embodiments of the present application, instead of all the embodiments.Based on this Shen Please in embodiment, every other implementation obtained by those of ordinary skill in the art without making creative efforts Example, shall fall in the protection scope of this application.

Embodiment one

A kind of resource transfers method based on near-field communication disclosed in the present embodiment, be applied to including resource transfers terminal, The resource transfers system of resource management client and resource management platform, the resource transfers terminal built-in smart card reader module And near-field communication module, for carrying out near-field communication between the resource transfers terminal and the resource management client；It is described Resource management client and resource management platform can be deployed on different physical equipments, or be deployed in a physics The different function module of different application or the same application in equipment.As shown in Figure 1, the resource transfers method includes: step Rapid 100 to step 103.

Step 100, the payment card information of target Payment Card is obtained, wherein the payment card information includes at least: residue money Source quantity, Payment Card mark.

In some embodiments of the present application, as shown in Fig. 2, the resource transfers terminal includes: smart card reader module 20, near-field communication module 21 and application plug 22, the near-field communication module 21 further comprises: embedded security chip 211, wherein the embedded security chip 211 is for storing key and resource transfers order；And by described in storage Resource transfers order described in key pair is encrypted；The near-field communication module 21 is also used to send resource transfers order, and Receive configuration information, wherein the configuration information include: key, operating mode, resource transfers quantity, in Payment Card blacklist It is any one or more；The smart card reader module 20 is used to execute entity according to the control of the application plug 22 The read-write operation of card or virtual card, wherein the application plug 22 is by the virtual card or the card sender of the entity card Structure certification.The near-field communication module can be NFC (near field communication) module.

In one embodiment of the application, the near-field communication module 21 further comprises: embedded security chip 211 (i.e. eSE, embedded Secure Element chip), non-contact front-end chip (i.e. CLF, Contactless Frontend Chip is also NFC controller) and NFC (Near Field Communication) antenna integrated chip.Or by only The embedded security chip and non-contact front-end chip of vertical encapsulation, the circuit module constituted with NFC antenna.In general, embedded peace Full chip is connect with non-contact front-end chip by I2C or SPI interface.Non-contact front-end chip is the control of NFC non-contact interface Coremaking piece is responsible for the I/O transmission of control non-contact information；Non-contact front-end chip and NFC antenna pass through inductance connection.It is embedded Safety chip is used for the key of storage resource management platform granting, such as platform validation key and/or transmission key.

The near-field communication module 21 can also include Bluetooth data transfer module, the Bluetooth data transfer module with it is embedding Enter formula safety chip 211 to connect by I2C or SPI interface.When the near-field communication module includes Bluetooth data transfer module, Power module is additionally provided in the resource transfers terminal, the power module is used to supply the Bluetooth data transfer module Electricity.

Based on the embedded security chip 211, it is provided with Chip Operating System, for carrying out adding for resource transfers order It is close.Further, application plug 22 is also preset in the resource transfers terminal, for realizing the read-write of target Payment Card Control, generation and transmission of resource transfers order etc. operate.The application plug 22 needs to authenticate by hair fastener tissue, The virtual card or entity card of the hair fastener tissue can be read and write.

The target Payment Card can be entity card, such as bus card, contactless bank card；It can also be virtual card, Realize that card mold is quasi- by NFC mobile phone.For example, being made by the embedded-type security element (Embedded SE, eSE) in NFC mobile phone NFC mobile phone work is quasi- in virtual mode card, or using software realization (Host Card Emulation, HCE) host card mold, makes NFC mobile phone works in host mode card.The information such as surplus resources quantity, Payment Card mark are stored in the entity card, it is described The information such as surplus resources quantity, Payment Card mark are equally stored in virtual card.To entity card or virtually in the embodiment of the present application The read-write operation of card follows corresponding read-write specification.The entity card or the read-write specification of virtual card are the prior art, the application It is repeated no more in embodiment.

In some embodiments of the present application, the resource transfers terminal can show for card or the portable equipment of board formula.

In some embodiments of the present application, the resource transfers terminal starts intelligence according to the triggering of resource management client Card module for reading and writing detects target Payment Card, and after detecting the target Payment Card, passes through the smart card reader module Obtain the payment card information of the target Payment Card detected.

For example, when user needs brush virtual card to carry out resource transfers, brush that trade company passes through the resource management client Card interface starts user's brush virtual card process, and the resource management client will be by the near-field communication module to the resource It shifts terminal and sends reading virtual card instruction.Then, the resource transfers terminal starts the intelligence according to reading virtual card instruction Energy card module for reading and writing detects virtual card, and obtains the payment card information of the virtual card.For another example when user needs brush entity card When carrying out resource transfers, trade company starts user's brush entity card process by the interface of swiping the card of the resource management client, described Resource management client will be sent to the resource transfers terminal by the near-field communication module and read entity card instruction.Then, The resource transfers terminal starts the smart card reader module according to reading entity card instruction and detects entity card, and obtains institute State the payment card information of entity card.In other embodiments of the application, brush that trade company passes through the resource management client Card interface starts user card punching process, and the resource management client will be by the near-field communication module to the resource transfers Terminal sends card reading instruction.Then, the resource transfers terminal instructs starting smart card reader module detection according to the card reading Entity card or virtual card are further detected by the acquisition of smart card reader module after detecting entity card or virtual card The payment card information of entity card or virtual card.

In other embodiments of the application, the resource transfers terminal starts smart card reader by way of poll Module detects target Payment Card, and after detecting the target Payment Card, is detected by the acquisition of smart card reader module The target Payment Card payment card information.

For example, the resource transfers terminal detects target Payment Card every the smart card reader module of starting in 2 seconds.When described When smart card reader module detects entity card or virtual card, the resource transfers terminal is obtained by the smart card reader module Take the payment card information of the target Payment Card detected.

In the other embodiment of the application, the resource transfers terminal built-in trigger device, the resource transfers end End starts the smart card reader module detection target Payment Card in the case where the trigger device is triggered, and is detecting To after the target Payment Card, believed by the Payment Card that smart card reader module obtains the target Payment Card detected Breath.Wherein, the trigger device includes but is not limited to: electromagnetic induction coil, key, in acceleration transducer any one or It is a variety of.

For example, when the trigger device of the resource transfers terminal built-in includes electromagnetic induction coil, if user holds simulation The NFC mobile phone of virtual card can be examined close to the resource transfers terminal, the electromagnetic induction coil of the resource transfers terminal built-in Electromagnetic field variation is measured, so that the smart card reader module for starting the resource transfers terminal built-in reads the branch of the virtual card Pay card information.For another example when the trigger device of the resource transfers terminal built-in includes electric acceleration transducer, trade company can be with Physical card or virtual card are detected to start the resource transfers terminal by shaking the resource transfers terminal, the acceleration passes After sensor detects the movement of the resource transfers terminal, will start the smart card reader module, with detected whether close to The targets Payment Card such as the entity card of the resource transfers terminal or virtual card, and after detecting the target Payment Card, pass through The payment card information of smart card reader module acquisition target Payment Card.In another example when the triggering of the resource transfers terminal built-in When device includes key, if trade company triggers the key, the built-in smart card reader module of the resource transfers terminal starting It detects whether close to the targets Payment Card such as the entity card of the resource transfers terminal or virtual card, and is detecting target payment After card, the payment card information of the target Payment Card is obtained by smart card reader module.

Wherein, the payment card information got includes at least: surplus resources quantity, Payment Card mark, the Payment Card mark Knowledge can be card number or user's signature.

Step 101, when the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to The order transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate resource transfers order.

Wherein, the order transferring resource quantity is what the resource management client was sent.

In some embodiments of the present application, mesh is obtained by the smart card reader module in the resource transfers terminal Before the step of marking the payment card information of Payment Card, order transferring resource number is inputted by the resource management client first Amount, and it is sent to the resource transfers terminal.The resource transfers terminal obtains the order by the near-field communication module Transferring resource quantity.For example, after trade company inputs the fixed order amount of money of single order by the resource management client, the money Single order Flat Amount is sent to the resource transfers terminal by source control client.Alternatively, trade company passes through the resource pipe After managing the client input current order amount of money, single current order amount of money is sent to the resource and turned by the resource management client Move terminal.

After the payment card information for getting target Payment Card, the resource transfers terminal is provided according to the order got Source transfer quantity, Payment Card mark and the merchant identification of resource transfers terminal local storage generate resource transfers and order It is single.

In some preferred embodiments of the application, the resource transfers terminal is previously stored with key, and the resource turns Shifting terminal further passes through resource transfers order described in local pre-stored key pair and is encrypted, and generates encryption and orders It is single.Wherein, the key can be platform validation key, alternatively, platform validation key and transmission key.

Step 102, according to online off-line state, the corresponding resource of the resource transfers order is executed by corresponding manner and is turned It moves.

In some embodiments of the present application, the resource transfers terminal is always presence, i.e., the described resource transfers Terminal can be by the near-field communication module and the resource management client communication, also, the resource management client It is connect by network with the resource management platform.In this case, the resource transfers terminal is by the resource transfers of generation Order is sent to the resource management client by the near-field communication module, then, will by the resource management client The resource transfers order is uploaded to the resource management platform, by the resource management platform according to the resource transfers order In merchant identification, user identifier, the resource transfers quantity etc. specified, marked from the corresponding account of the user identifier to the trade company Know the resource transfers that corresponding account carries out the resource transfers quantity.The resource management platform executed resource transfers it Afterwards, if resource transfers success, the resource transfers platform to the resource management client return execute resource transfers at The information of function；If resource transfers fail, the resource transfers platform returns to the resource management client and executes resource Shift the information of failure.The resource management client receive resource transfers success that the resource management platform returns or After the resource transfers result of failure, the resource transfers result is sent to the resource transfers terminal.

In other embodiments of the application, the resource transfers terminal is always off-line state, i.e., the described resource turns It is far apart from the resource management client to move terminal, the near-field communication module and the resource management client can not be passed through Communication.In this case, the resource transfers order of generation is stored in local by the resource transfers terminal, and is tied according to depositing out Fruit generates resource transfers result.

Then, the result for executing resource transfers is sent to the target Payment Card by resource transfers terminal.

The resource transfers terminal is by the execution resource transfers locally generated as a result, or from the resource management client The received result for executing resource transfers is sent to the target Payment Card, in order to which the target Payment Card is according to execution resource The results modification surplus resources of transfer, and/or, storage resource transfer record.For example, when the target Payment Card is entity card When, the result for executing resource transfers is written to the entity by the smart card reader module by the resource transfers terminal Card；When the target Payment Card is virtual card, the resource transfers terminal passes through the result for executing resource transfers described close Field communication module is written to the virtual card.

Embodiment two

A kind of resource transfers method based on near-field communication disclosed in the present embodiment, be applied to including resource transfers terminal, The resource transfers system of resource management client and resource management platform, the resource transfers terminal built-in smart card reader module And near-field communication module, for carrying out near-field communication between the resource transfers terminal and the resource management client.It is described Resource management client and resource management platform can be deployed on different physical equipments, or be deployed in a physics The different function module of different application or the same application in equipment.As shown in figure 3, the resource transfers method includes: step Rapid 300 to step 3011.

Step 300, the Payment Card blacklist that preset resource management client is sent is received and stored by near-field communication.

In some embodiments of the present application, before the payment card information for obtaining target Payment Card, further includes: pass through near field Communication module receives and stores the Payment Card blacklist that the resource management client is sent.

Resource management platform can be according to the completion of resource transfers order as a result, maintenance Payment Card blacklist.For example, working as some When Payment Card mark causes offline resources transfer order that can not successfully complete since surplus resources are insufficient, the resource pipe Platform will identify the Payment Card and Payment Card blacklist is added.The resource management platform passes through trade company in real time or periodically Resource management client issues Payment Card and list into the resource transfers terminal of trade company, is platform to reduce offline resources transfer With the risk of resources loss existing for trade company.The resource management client is in the branch for receiving the resource management platform transmission After paying card blacklist, it is open-minded that the Payment Card blacklist is issued to by the resource management client by near-field communication module Resource transfers terminal in.The resource transfers terminal receives what the resource management client was sent by near-field communication module Payment Card blacklist, and the Payment Card blacklist is stored in the memory space of the resource transfers terminal.

Step 301, the payment card information of target Payment Card is obtained, wherein the payment card information includes at least: residue money Source quantity, Payment Card mark.

The specific embodiment of the payment card information of target Payment Card is obtained referring to embodiment one, the present embodiment is no longer superfluous It states.

Step 302, the payment for identifying and being locally stored according to the blacklist for the Payment Card for including in the payment card information Card blacklist, judges whether the target Payment Card is put on the blacklist, if so, determining that refusal accepts resource transfers, jumps Otherwise step 303 is executed to step 3010.

In some embodiments of the present application, the payment card information further includes the blacklist mark of Payment Card, obtains mesh After the payment card information for marking Payment Card, further includes: the payment card information further includes the blacklist mark of Payment Card, obtains mesh After the step of marking the payment card information of Payment Card, further includes: when the Payment Card for being identified or being stored according to the blacklist Blacklist, when determining that the target Payment Card is put on the blacklist, refusal accepts resource transfers；It is identified when according to the blacklist With the Payment Card blacklist of storage, when determining that the target Payment Card is not put on the blacklist, execute described when described surplus When remaining resource quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to the order transferring resource quantity, institute The step of merchant identification stating Payment Card mark and being locally stored generates resource transfers order.

In other embodiments of the application, when the black name of the Payment Card for being identified or being stored according to the blacklist It is single, when determining that the target Payment Card is put on the blacklist, after the step of refusal accepts resource transfers, further includes: work as basis When the blacklist mark determines that the target Payment Card is put on the blacklist, if including in the Payment Card blacklist of storage The Payment Card mark, then remove Payment Card mark from the Payment Card blacklist of storage；When according to storage Payment Card blacklist, when determining that the target Payment Card is put on the blacklist, if blacklist mark indicates the target branch It pays card not to be put on the blacklist, then the blacklist mark of the target Payment Card is set, and the Payment Card is identified from storage Payment Card blacklist in remove.

No matter the target Payment Card is entity card or virtual card, according to smart card specification, the target Payment Card Blacklist mark can be stored in payment card information.Blacklist mark be used to indicate the target Payment Card whether by Access blacklist.

After getting the payment card information of the target Payment Card, the resource transfers terminal is according to the Payment Card The blacklist mark for including in information judges whether the target Payment Card has been put on the blacklist.If target family card Payment Card blacklist has been put into it, then the resource transfers terminal will not remain seized of the order of the target Payment Card, to institute It states target Payment Card and returns to resource transfers failure information.Meanwhile the resource transfers terminal further judges the institute being locally stored Whether include the Payment Card identify, if including, the resource transfers terminal is by the Payment Card if stating in Payment Card blacklist Mark is removed from the Payment Card blacklist being locally stored, and resource is locally stored to save.

If the blacklist mark of target Payment Card indicates that the target Payment Card is not put on the blacklist, the resource Transfer terminal further judges whether the target Payment Card is put on the blacklist according to the Payment Card blacklist being locally stored, if The Payment Card mark of the target Payment Card includes then passing through the smart card reader in the Payment Card blacklist being locally stored Module sends setting blacklist identification information to the target Payment Card, and the Payment Card is identified from the payment being locally stored It is removed in card blacklist, resource is locally stored to save.The resource transfers terminal will not remain seized of the target Payment Card Order returns to resource transfers failure information to the target Payment Card.

When it is implemented, all operation has read-write to apply in entity card and virtual card, what the calling read-write application provided is connect Mouth can realize the write-in of blacklist mark.

If the target Payment Card is not included in the Payment Card blacklist of the resource transfers terminal local storage, It is not provided with blacklist mark, then the resource transfers terminal continues to execute following resource transfer operation.

In order to solve the problems, such as that offline resources shift, the resource transfers terminal is set as the resource transfers method of the application Card form or board formula, it is small in size, it is more portable, meanwhile, in order to reduce cost and reduce volume, the resource transfers terminal it is built-in Memory space is also limited.The application utilizes the memory space of Payment Card itself by safeguarding to Payment Card blacklist Blacklist mark is stored, while removing the blacklist Payment Card for repeating storage in resource management terminal, is effectively utilized limited Memory space.

Step 303, when the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to The order transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate resource transfers order.

Wherein, the order transferring resource quantity is what the resource management client was sent, and the merchant identification is institute It states resource management platform and provides and be written when the resource transfers terminal, the merchant identification can be trade company's signature or trade company ID。

When the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to the order Transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate the specific embodiment of resource transfers order Referring to embodiment one, this embodiment is not repeated.

Step 304, it is encrypted by resource transfers order described in pre-stored key pair.

It is described according to the order transferring resource quantity, the Payment Card mark in some preferred embodiments of the application Know and after the merchant identification that is locally stored generates resource transfers order, further includes: pass through and provided described in pre-stored key pair Source transfer order is encrypted；Wherein, pre-stored key includes: preset resource management platform according to the resource management The platform validation key of the application write-in of client, and/or, preset resource management client is to preset resource management platform The transmission key applied and be written.

The resource transfers order of generation is encrypted for example, the resource transfers terminal passes through transmission key first, it Afterwards, then the encryption order by obtaining after the encryption of transmission key described in platform validation key pair carries out secondary encryption.For another example only It is encrypted by the resource transfers order that platform validation key pair generates.The money generated by pre-stored key pair Source transfer order is encrypted and is transmitted encryption order, can promote the safety of order data transmission.Also, it is tested using platform Card key pair order is encrypted, and resource management platform can be made quickly to identify whether Current resource transfer order is the platform The order that the resource transfers terminal of granting generates improves resource transfers efficiency.

Alternatively, resource transfers quantity is smaller or the secure network environments such as intranet environment in, the direct money that generates of transmission Shift order in source.

The merchant identification for identifying and being locally stored according to the order transferring resource quantity, the Payment Card generates money It shifts after the step of order in source, further includes: encrypted by resource transfers order described in pre-stored key pair；Its In, pre-stored key includes: application write-in of the preset resource management platform according to preset resource management client Platform validation key, and/or, the transmission of preset resource management client to preset resource management platform application and write-in is close Key.

In some preferred embodiments of the application, the resource transfers terminal is the resource transfers client to described Resource management platform application, the resource management terminal is previously stored with the resource management platform according to the resource management The platform validation key of the resource transfers terminal is written in the application of client.

The resource management client sends resource transfers terminal to the resource management platform according to the operation of trade company Provide application, wherein grantings is applied including at least: merchant identification, with by the resource management platform granting with it is described Merchant identification associated resource transfers terminal is previously stored with platform validation key in the resource transfers terminal.The platform Whether key is used to for resource management platform verifying resource transfers order be that the resource transfers terminal of self-management generates Order, and, resource transfers order is encrypted.In some embodiments of the present application, the resource management platform according to Merchant identification generating platform authentication secret, and the resource transfers terminal is written into the platform validation key, then, described in Resource transfers terminal is issued to the corresponding trade company of the merchant identification.Meanwhile the resource management platform stores the platform and tests The corresponding relationship of key and the merchant identification is demonstrate,proved, so as to subsequent progress resource transfers Firm Order and opens application verifying.

In some preferred embodiments of the application, the resource transfers terminal is also previously stored with transmission key, described Transmission key is that the resource management platform application and the resource transfers terminal is written in the resource management client.

Before using the resource transfers terminal, firstly, the resource management client obtains the resource transfers end The platform validation key of end memory storage；Then, the resource management client sends the resource to the resource management platform Transfer terminal opens application, described to open application and include at least: the platform validation key, the merchant identification and the money The operating mode of source transfer terminal；It is described open application so that the resource management platform according to the platform validation key and The merchant identification is opened after application is verified to described, opens the resource transfers terminal of the affiliated trade company of the merchant identification； Wherein, the operating mode includes: read-write mode card, and the resource transfers terminal passes through the near field under readable mode card The payment card information that communication module obtains target Payment Card realizes resource transfers.

The resource management platform receives described after opening application, is marked according to the platform validation key and the trade company The merchant identification and platform authentication secret are verified in knowledge.In the case where being verified, the resource management platform is true It is set to the corresponding trade company of the merchant identification and opens resource transfers terminal, and returns and open success message.The resource management visitor After family termination receives and opens success message, the operating mode is written to the resource transfers terminal.In order to the money Shift the resource transfers mode and process that terminal is executed according to the selection of the operating mode of storage in source.

In other embodiments of the application, after being proved to be successful to the merchant identification, the resource management is flat Platform generates transmission key according to the merchant identification, and feeds back to the resource management client.Finally, the resource management visitor The transmission key received is written to the resource transfers terminal by family end.

In some preferred embodiments of the application, the resource transfers terminal is also previously stored with merchant identification, described Merchant identification can be written from the resource management platform when platform validation key is written into the resource transfers terminal, It can be written when operating mode or transmission key is written to the resource transfers terminal in the resource management client.

Step 305, judge whether the resource transfers terminal is online, if online, 306 execution that go to step provide online Source transfer；Otherwise, it gos to step 308, executes offline resources transfer.

In some embodiments of the present application, according to online off-line state, the resource transfers are executed by corresponding manner The corresponding resource transfers of order.If the resource transfers terminal is online, online resource transfer flow is executed；If the money Source transfer terminal is offline, then executes offline resources transfer flow.

Step 306, the resource transfers order is sent to preset resource management client by near-field communication, so that institute Resource management client is stated after receiving the resource transfers order, the resource transfers order is sent to preset money Source capsule platform completes the corresponding resource transfers of the resource transfers order by the resource management platform.

In some embodiments of the present application, the online off-line state of basis executes the resource by corresponding manner Shift the corresponding resource transfers of order, comprising: in the case where being determined as presence, by near-field communication to preset resource Management client sends the resource transfers order, so that the resource management client is receiving the resource transfers order Later, the resource transfers order is sent to preset resource management platform, the money is completed by the resource management platform Shift the corresponding resource transfers of order in source；The execution that the resource management platform is sent is received in the resource management client After the result of resource transfers, the knot for the execution resource transfers that the resource management client is sent is received by near-field communication Fruit.

When the resource transfers terminal is online, the resource transfers terminal will be after the resource transfers order of generation or encryption Resource transfers order be sent to the resource management client, resource pipe is further uploaded to by the resource management client Platform, to execute resource transfers.The resource transfers order that the resource management platform is received by platform validation key pair It is verified with merchant information, in the case where being verified, further the information management system with target Payment Card executes money Source transfer, by the account specified by Payment Card mark of resource specified by the resource transfers quantity for including in the resource transfers order Family is transferred to the merchant account specified by merchant identification.And resource transfers result is sent to resource management client.Meanwhile it providing The information management system of source capsule platform target Payment Card sends resource transfers to the user of target Payment Card and completes information.

Step 307, the execution resource transfers that the resource management platform is sent are received in the resource management client Result after, the result for the execution resource transfers that the resource management client is sent is received by near-field communication.

If resource transfers success, the resource management platform, which will return, executes the successful result of resource transfers to the money Source control client.Then, the successful result of the execution resource transfers is issued to the money by the resource management client Shift terminal in source.If resource transfers fail, the resource management platform, which will return, executes the result of resource transfers unsuccessfully to institute State resource management client.Then, the result of the execution resource transfers failure is issued to institute by the resource management client State resource transfers terminal.

The resource transfers terminal is receiving the success of execution resource transfers or lose that the resource management client issues After the result lost, institute is sent by the successful result of the execution resource transfers or the result for executing resource transfers failure State target Payment Card.

So far, an online resource transfer is completed.

Step 308, the resource transfers order is stored.

In some embodiments of the present application, the online off-line state of basis executes the resource by corresponding manner Shift the corresponding resource transfers of order, comprising: in the case where being determined as off-line state, store the resource transfers order；It rings Resource transfers order described in Ying Yu stores successfully, and the result that confirmation executes resource transfers is successfully.

If generation is being locally stored first in off-line state, the resource transfers terminal in the resource transfers terminal The resource transfers order or encrypted resource transfers order.

Step 309, in the case where the resource transfers order stores successful situation, confirmation executes resource transfers success, otherwise, Confirmation executes resource transfers failure.

In the case where the resource transfers order stores successful situation, the resource management client confirmation executes resource transfers Result be successfully.In the case where the resource transfers order stores and fails, the resource management client confirmation executes money The result of source transfer is failure.

Step 3010, the result for executing resource transfers is sent to the target Payment Card.

The result for executing resource transfers is sent to the specific embodiment of the target Payment Card referring to embodiment one, sheet Embodiment repeats no more.

Step 3011, the resource transfers order being locally stored is sent according to the triggering of the resource management client To the resource management client, so that the resource management client is after receiving the resource transfers order, by institute It states resource transfers order and is sent to preset resource management platform, the resource transfers order is completed by the resource management platform Corresponding resource transfers.

In some embodiments of the present application, after the resource transfers terminal is online, the resource management client The instruction for collecting offline resources transfer order is sent to the resource transfers terminal, the resource transfers terminal is according to the resource The resource transfers order being locally stored is sent to the resource management client by the triggering of management client.Then, institute It states resource management client and collected offline resources transfer order is uploaded to resource management platform, application resource management is flat Platform completes the corresponding resource transfers of the resource transfers order, and receives the result of resource transfers.The resource management platform is logical It crosses resource transfers order that platform validation key pair receives and merchant information is verified, in the case where being verified, into One step and the information management system of target Payment Card execute resource transfers, the resource transfers that will include in the resource transfers order Resource specified by quantity is transferred to the merchant account specified by merchant identification by the specified account of Payment Card mark.Then, it provides Resource transfers result is sent to resource management client by source transfer platform, to notify resource management client and resource management flat Platform carries out order clearing.Meanwhile the information management system of resource management platform target Payment Card is sent out to the user of target Payment Card Resource transfers are sent to complete information.

Resource transfers platform is in the order that process resource transfer terminal is accepted in the case where off-line state, due to order To accept with resource transfers be not synchronous carry out, it is thus possible to there is resource transfers failure (target in such as resource transfers order The surplus resources of Payment Card are insufficient) the case where, in this case, resource management platform and trade company need shared resource to damage The risk of mistake.

It is described to move Payment Card mark from the Payment Card blacklist of storage in another embodiment of the application Except later, further includes: be sent to the Payment Card removed from the Payment Card blacklist of storage mark by near-field communication Preset resource management client is remembered with being uploaded to preset resource management platform by the resource management client Record.It, then, will be from for example, the Payment Card mark that resource transfers terminal record is removed from the Payment Card blacklist of storage The Payment Card mark removed in the Payment Card blacklist of storage uploads to the resource transfers client.Later, the resource turns It moves client and the Payment Card removed in the Payment Card blacklist from storage mark is uploaded into the resource management platform, by The resource management platform removes it from Payment Card blacklist, avoids that Payment Card mark is passed through Payment Card again Blacklist is sent to resource transfers terminal, and waste of resource shifts the memory space of terminal.

Resource transfers method based on near-field communication disclosed in the embodiment of the present application, by receiving Payment Card blacklist simultaneously It is stored in resource transfers terminal, and is determining that target Payment Card is included in Payment Card blacklist, also, the target Payment Card It is not provided with blacklist mark, then target Payment Card setting blacklist is identified first, then, in the payment being locally stored The Payment Card mark of the target Payment Card is deleted in card blacklist, to save the memory space of the resource transfers terminal.Together When, by storing Payment Card blacklist, and the target being put on the blacklist based on Payment Card blacklist or blacklist mark identification Payment Card can reduce trade company and money to refuse to accept the offline resources transfer request for the target Payment Card being put on the blacklist The resources loss of source capsule platform.

Resource transfers method based on near-field communication disclosed in the embodiment of the present application, is in offline shape in resource transfers terminal Under state, by completing accepting for the resource transfers order in resource transfers terminal storage resource transfers order, and turn in resource When shifting terminal is online, the corresponding resource transfers of resource transfers quantity in the resource transfers order accepted are completed, are finally completed Order can realize off-line transaction in the case where resource transfers terminal is offline, greatly facilitate trade company.For example, for flowing Breakfast cart businessman, the resource transfers terminal can not connection resource management client (such as cash register computer) in the case where, it is described Breakfast cart businessman is flowed by entity card or virtual card with resource transfers terminal read-write customer, and the breakfast for accepting customer is ordered Single, breakfast order is stored in local by the resource transfers terminal.Then, flowing breakfast cart businessman can terminate breakfast After selling, the resource transfers terminal is taken near the resource management client (such as cash register computer), the resource pipe Reason client collects the resource transfers order stored in the resource transfers terminal by near-field communication module.Later, by described The resource transfers order being collected into is uploaded to the resource management platform by resource management client (such as cash register computer), completes institute State the corresponding resource transfers of resource transfers order.

On the other hand, for resource transfers Terminal Design disclosed in the embodiment of the present application at card form or board formula, structure is simple, It is at low cost.Also, a resource management client can apply for multiple resource transfers terminals, effectively reduce businessman's cost.

Embodiment three

A kind of resource transfers method based on near-field communication disclosed in the present embodiment, be applied to including resource transfers terminal, The resource transfers system of resource management client and resource management platform, the resource transfers terminal built-in smart card reader mould Block, the resource management client includes near-field communication module, is used for the resource transfers terminal and the resource management client Near-field communication is carried out between end.The resource management client and resource management platform can be deployed in different physical equipments On, or the different function module of the different application or the same application that are deployed on a physical equipment.Such as Fig. 4 institute It states, the resource transfers method includes: step 400 to step 401.

Step 400, the resource transfers order of preset resource transfers terminal storage is received by near-field communication.

The resource management client is after resource transfers terminal connects network, can be with or when reaching predetermined period The instruction for collecting offline resources transfer order is sent to the resource transfers terminal.Then, the resource management client passes through Near-field communication module receives the resource transfers order for the resource transfers terminal local storage that the resource transfers terminal is sent.

Wherein, the resource transfers order be obtain target Payment Card payment card information after, wherein the Payment Card Information includes at least: surplus resources quantity, Payment Card mark；Turn when the surplus resources are greater than or equal to the order obtained in advance When moving resource quantity, by the resource transfers terminal according to the order transferring resource quantity, Payment Card mark and institute obtained in advance The merchant identification for stating the storage of resource transfers terminal locals is generated and is stored.

The resource transfers order of the resource transfers terminal storage be when the resource transfers terminal is in off-line state by The order of reason.The resource transfers order of the resource transfers terminal storage there is no really carry out resource transfers, therefore, it is necessary into One step completes resource transfers by the defend the doctrine resource management platform of the resource management client.

The generation method of the resource transfers order is referring to embodiment one and embodiment two, and this embodiment is not repeated.

Step 401, the received resource transfers order is sent to preset resource management platform, to apply for the money Source capsule platform completes the corresponding resource transfers of the resource transfers order.

The received resource transfers order is sent to resource by network by network by the resource management client Platform is managed, the corresponding resource transfers of the resource transfers order are completed by the resource management platform.The resource management visitor The received resource transfers order is sent to resource management platform by network by family end, to apply for the resource management platform The specific embodiment of the corresponding resource transfers of the resource transfers order is completed referring to embodiment two, the present embodiment is no longer superfluous It states.

Resource transfers method based on near-field communication disclosed in the embodiment of the present application, by the resource transfers terminal from In the case where line, resource transfers order is accepted by the resource transfers terminal first, and be stored in the resource transfers terminal sheet Ground, and when the resource transfers terminal is online, it is whole that the resource transfers are collected by the resource management client The resource transfers order being locally stored is held, then, it is right in the resource transfers order further to complete by resource management platform The resource transfers answered, solving the card swiping terminal for carrying out requiring trade company when resource transfers in the prior art caused online must make The problem being limited with scene.Resource transfers method disclosed in the embodiment of the present application is by rebuilding the frame of resource transfers system Structure can realize resource transfers, extend resource transfers of swiping the card in the case where the card swiping terminal of trade company is online and offline Application scenarios, the resource transfers of swiping the card between user and trade company provide huge convenience, greatly improve user experience.

Example IV

Based on embodiment three, a kind of resource transfers method based on near-field communication disclosed in the present embodiment, applied to including The resource transfers system of resource transfers terminal, resource management client and resource management platform, the resource transfers terminal built-in Smart card reader module, the resource management client includes near-field communication module, for the resource transfers terminal and described Near-field communication is carried out between resource management client.The resource management client and resource management platform can be deployed in difference Physical equipment on, or the different function mould of the different application or the same application that are deployed on a physical equipment Block.As described in Figure 5, the resource transfers method includes: step 500 to step 504.

In some embodiments of the present application, the resource management client passes through near-field communication module to the resource transfers Terminal is sent before the instruction of resource transfers order collection, further includes:

Step 500, the granting application of resource transfers terminal is sent to preset resource management platform.

Wherein, the granting application includes at least: merchant identification, to pass through the resource management platform granting and the quotient Family identifies associated resource transfers terminal, and the flat of the resource management platform write-in is previously stored in the resource transfers terminal Platform authentication secret, the platform validation key are used for as the resource transfers terminal by providing described in the platform validation key pair Source transfer order is encrypted.

When trade company needs to the resource management platform application resource transfers terminal, the trade company passes through resource management visitor Family end inputs merchant identification, and the granting application of resource transfers terminal is sent to the resource management platform.The resource management is flat The resource transfers terminal is written according to merchant identification generating platform authentication secret, and by the platform validation key in platform, then, The resource transfers terminal is issued to the corresponding trade company of the merchant identification.Meanwhile described in the resource management platform storage The corresponding relationship of platform validation key and the merchant identification so as to subsequent progress resource transfers Firm Order and is opened application and is tested Card.

Step 501, the platform validation key stored in the resource transfers terminal is obtained by near-field communication.

For the resource transfers terminal of trade company's application, the trade company needs through the resource management client to the money Source capsule platform application is open-minded, can carry out resource transfers order by the resource transfers terminal and accept.The resource pipe Reason terminal needs to send the resource management platform for the platform validation key of the resource transfers terminal and merchant identification, with Trade company described in the corresponding merchant identification of the platform validation key is opened in application.

Step 502, send the resource transfers terminal to preset resource management platform opens application.

It is described to open application and include at least: the platform validation key, the merchant identification and the resource transfers terminal Operating mode；It is described to open application so that the resource management platform is to the platform validation key and the merchant identification After being verified, the resource transfers terminal of the affiliated trade company of the merchant identification is opened；Wherein, the operating mode includes: readable Mode card is write, the resource transfers terminal obtains the payment card information of target Payment Card under readable mode card by near-field communication Realize resource transfers.

In some embodiments of the present application, when trade company opens resource transfers terminal to platform application, the resource transfers The operating mode of terminal includes: to be read online, by any one or more in reading off-line mode, read-write mode card.Online When mode, User support network savvy is needed, trade company does not undertake transaction risk.User's off-line trading is supported by reading off-line mode, Trade company and resource management platform negotiate shared transaction risk.Read-write mode card needs resource transfers terminal to support read-write Card application, the application can accept the virtual card and entity card of the hair fastener tissue by the certification of hair fastener tissue.Hair fastener tissue can To be the different industries such as public transport, finance, campus.

What the resource management client sent the resource transfers terminal to the resource management platform opens application, makes The resource management platform is obtained after being verified to the platform validation key and the merchant identification, opens trade company's mark The specific embodiment of the resource transfers terminal of knowledge is referring to embodiment two, and this embodiment is not repeated.

In some preferred embodiments of the application, the resource transfers terminal is also previously stored with transmission key, described When transmission key is that the resource management client opens resource management terminal to the resource management platform application, the resource Management platform generates and sends to the resource management terminal.The transmission key received is written the resource management terminal The resource transfers terminal.

Step 503, the resource transfers order of preset resource transfers terminal storage is received by near-field communication.

After the resource transfers terminal opens read-write mode card, under off-line state, the resource transfers terminal can be with It accepts and storage resource shifts order, and according to the specified of the collection resource transfers order of the resource management client, send To the resource management client.

The resource management client receives the resource transfers of the resource transfers terminal storage by near-field communication module The specific real-time mode of order is referring to embodiment three, and this embodiment is not repeated.

Step 504, the received resource transfers order is sent to by the resource management platform by network, with application The resource management platform completes the corresponding resource transfers of the resource transfers order.

The received resource transfers order is sent to resource management platform by network by the resource management client, To apply for that the resource management platform completes the specific real-time mode of the corresponding resource transfers of the resource transfers order referring to reality Example three is applied, this embodiment is not repeated.

The resource transfers order generated by pre-stored key pair is encrypted and is transmitted encryption order, can be promoted The safety of order data transmission.

In some deformations of the present embodiment, the method also includes: the resource management client passes through near-field communication Receive the resource transfers order that the resource transfers terminal generates；Wherein, the resource transfers order is to obtain target Payment Card Payment card information after, when the surplus resources quantity in the payment card information be greater than or equal to obtain in advance order transfer When resource quantity, according to the order transferring resource quantity obtained in advance, the Payment Card for including in payment card information mark and What the merchant identification of the resource transfers terminal local storage generated；The resource management client passes through network for received institute It states resource transfers order and is sent to resource management platform, to apply for that the resource management platform completes the resource transfers order pair The resource transfers answered；The resource management client receives the result of the execution resource transfers of the resource management platform feedback； The result for executing resource transfers is sent to the resource transfers terminal by near-field communication by the resource management client, The result for executing resource transfers is sent to the target Payment Card by the resource transfers terminal.

When the resource transfers terminal is online, the resource transfers terminal is in real time by the resource transfers of generation Order is uploaded to the resource management client, by the resource management client by network by the received resource transfers Order is sent to resource management platform, is turned with applying for that the resource management platform completes the corresponding resource of the resource transfers order It moves.

In another deformation of the present embodiment, the method also includes: it is described by near-field communication to preset resource It shifts terminal and sends Payment Card blacklist；The payment card information further includes blacklist mark, the Payment Card blacklist storage In the resource transfers terminal, for being held after the payment card information for obtaining target Payment Card as the resource transfers terminal The following foundation operated of row: when the Payment Card blacklist for identifying or storing according to the blacklist, the target branch is determined Card is paid when being put on the blacklist, refusal accepts resource transfers；When the Payment Card for being identified and being stored according to the blacklist is black List when determining that the target Payment Card is not put on the blacklist, executes described when the surplus resources quantity is greater than or equal to When the order transferring resource quantity obtained in advance, is identified according to the order transferring resource quantity, the Payment Card and locally deposited The merchant identification of storage generates the step of resource transfers order.

In other embodiments of the application, when the black name of the Payment Card for being identified or being stored according to the blacklist It is single, when determining that the target Payment Card is put on the blacklist, after refusing the step of accepting resource transfers, the black name of Payment Card It is singly also used to as the foundation for executing following operation: black when determining that the target Payment Card is put into according to blacklist mark When list, if including that the Payment Card identifies in the Payment Card blacklist of storage, the Payment Card is identified from storage Payment Card blacklist in remove；When the Payment Card blacklist according to storage, it is black to determine that the target Payment Card is put into When list, if blacklist mark indicates that the target Payment Card is not put on the blacklist, the target Payment Card is set Blacklist mark, and Payment Card mark is removed from the Payment Card blacklist of storage.

The removing method identified in the transmission of Payment Card blacklist and blacklist with Payment Card, referring to embodiment two, originally Embodiment repeats no more.

In another embodiment of the application, the method also includes: by described in near-field communication module reception The Payment Card removed from the Payment Card blacklist of the resource transfers terminal storage that resource transfers terminal is sent identifies, And the Payment Card received mark is uploaded to the resource management platform and is recorded.

By the way that the Payment Card removed in the Payment Card blacklist from storage is identified by the resource transfers client The resource management platform is uploaded to, it is removed from Payment Card blacklist by the resource management platform, is avoided again Resource transfers terminal is sent by Payment Card blacklist by Payment Card mark, the storage that waste of resource shifts terminal is empty Between.

Embodiment five

A kind of resource transfers system based on near-field communication disclosed in the present embodiment, as shown in fig. 6, the system comprises moneys Terminal, resource management client and resource management platform are shifted in source, the resource transfers terminal built-in smart card reader module and Near-field communication module, for carrying out near-field communication between the resource transfers terminal and the resource management client.The money Source control client and resource management platform can be deployed on different physical equipments, or be deployed in a physics and set Standby upper different application or the different function module of the same application.The resource transfers system further comprises:

Payment card information obtains module 600, for obtaining the payment card information of target Payment Card, wherein the Payment Card Information includes at least: surplus resources quantity, Payment Card mark；

Resource transfers order generation module 601, for being ordered when the surplus resources quantity more than or equal to what is obtained in advance When single-turn moves resource quantity, according to the order transferring resource quantity, merchant identification Payment Card mark and be locally stored Generate resource transfers order；

Resource transfers module 602, for executing the resource transfers order by corresponding manner according to online off-line state Corresponding resource transfers.

Optionally, the system also includes:

Resource transfers result write-back module (not shown), for the result for executing resource transfers to be sent to the mesh Mark Payment Card.

Optionally, as shown in fig. 7, the resource transfers module 602 further comprises online resource transfer submodule 6021,

The online resource shifts submodule 6021, for passing through near-field communication in the case where being determined as presence Send the resource transfers order to preset resource management client so that the resource management client receive it is described After resource transfers order, the resource transfers order is sent to preset resource management platform, is put down by the resource management Platform completes the corresponding resource transfers of the resource transfers order；

The online resource shifts submodule 6021, is also used to receive the resource pipe in the resource management client After the result for the execution resource transfers that platform is sent, received described in the resource management client transmission by near-field communication Execute the result of resource transfers.

Optionally, as shown in fig. 7, the resource transfers module 602 further comprises offline resources transfer submodule 6022:

The offline resources shift submodule 6022, in the case where being determined as off-line state, storing the resource Shift order；

The offline resources shift submodule 6022, are also used to store in response to the resource transfers order successfully, confirmation The result for executing resource transfers is successfully.Otherwise, it is failure that confirmation, which executes the result of resource transfers,.

Optionally, as shown in fig. 7, the system also includes:

Offline resources shift order uploading module 603, for will be local according to the triggering of preset resource management client The resource transfers order of storage is sent to the resource management client, so that the resource management client is receiving After the resource transfers order, the resource transfers order is sent to preset resource management platform, by the resource pipe Platform completes the corresponding resource transfers of the resource transfers order.

Optionally, as shown in fig. 7, the system also includes:

Order encrypting module 604, for being encrypted by resource transfers order described in pre-stored key pair；Its In, pre-stored key includes: application write-in of the preset resource management platform according to preset resource management client Platform validation key, and/or, the transmission of preset resource management client to preset resource management platform application and write-in is close Key.

Optionally, as shown in fig. 7, the system also includes:

Blacklist receiving module 605 is sent for receiving and storing preset resource management client by near-field communication Payment Card blacklist；

The payment card information further includes the blacklist mark of Payment Card, blacklist maintenance module 606, for obtaining mesh After the payment card information for marking Payment Card, when the Payment Card blacklist for identifying or storing according to the blacklist, institute is determined When stating target Payment Card and being put on the blacklist, refusal accepts resource transfers；When according to identifying the blacklist and stores Payment Card blacklist when determining that the target Payment Card is not put on the blacklist, executes described when the surplus resources quantity is big In or equal to obtain in advance order transferring resource quantity when, according to the order transferring resource quantity, the Payment Card identify The step of generating resource transfers order with the merchant identification being locally stored.

In the Payment Card blacklist for identifying or storing according to the blacklist, determine that the target Payment Card is put into When blacklist, after refusal accepts resource transfers, the blacklist maintenance module 606 is also used to: when according to the blacklist mark When knowledge determines that the target Payment Card is put on the blacklist, if in the Payment Card blacklist of storage including the Payment Card mark Know, then removes Payment Card mark from the Payment Card blacklist of storage；When the Payment Card blacklist according to storage, When determining that the target Payment Card is put on the blacklist, if to indicate that the target Payment Card is not put into black for blacklist mark List, then be arranged the blacklist mark of the target Payment Card, and the Payment Card is identified the Payment Card blacklist from storage Middle removal

Optionally, the blacklist maintenance module 606 is also used to:

By near-field communication by the Payment Card removed from the Payment Card blacklist of storage mark be sent to it is preset Resource management client is recorded with being uploaded to preset resource management platform by the resource management client.

Resource transfers system disclosed in the present embodiment is for realizing resource described in the embodiment of the present application one and embodiment two Transfer method, the concrete methods of realizing of each module in the system is referring to resource described in application embodiment one and embodiment two The corresponding steps of transfer method, this embodiment is not repeated.

Resource transfers system based on near-field communication disclosed in the embodiment of the present application, passes through the branch by acquisition target Payment Card Card information is paid, and is judged when the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to The order transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate resource transfers order；Then, According to online off-line state, the corresponding resource transfers of the resource transfers order are executed by corresponding manner, solve existing skill Carry out requiring the card swiping terminal of trade company must the limited problem of online caused usage scenario in art when resource transfers.The application is real Resource transfers system disclosed in example is applied by rebuilding the framework of resource transfers system, the card swiping terminal of trade company it is online and from In the case where line, resource transfers can be realized, the application scenarios for resource transfers of swiping the card are extended, between user and trade company Resource transfers of swiping the card provide huge convenience, greatly improve user experience.

Resource transfers system based on near-field communication disclosed in the embodiment of the present application, is in offline shape in resource transfers terminal Under state, by completing accepting for the resource transfers order in resource transfers terminal storage resource transfers order, and turn in resource When shifting terminal is online, the corresponding resource transfers of resource transfers quantity in the resource transfers order accepted are completed, are finally completed Order can realize off-line transaction in the case where resource transfers terminal is offline, greatly facilitate trade company.

On the other hand, resource transfers Terminal Design disclosed in the embodiment of the present application is portable at card form or board formula, and Structure is simple, at low cost.Also, a resource management client can apply for multiple resource transfers terminals, effectively reduce quotient Family's cost.

Resource transfers system based on near-field communication disclosed in the embodiment of the present application, by receiving Payment Card blacklist simultaneously It is stored in resource transfers terminal, and is determining that target Payment Card is included in Payment Card blacklist, also, the target Payment Card It is not provided with blacklist mark, then target Payment Card setting blacklist is identified first, then, in the payment being locally stored The Payment Card mark of the target Payment Card is deleted in card blacklist, to save the memory space of the resource transfers terminal.Together When, by storing Payment Card blacklist, and the target being put on the blacklist based on Payment Card blacklist or blacklist mark identification Payment Card can reduce trade company and money to refuse to accept the offline resources transfer request for the target Payment Card being put on the blacklist The resources loss of source capsule platform.

Embodiment six

A kind of resource transfers system based on near-field communication disclosed in the present embodiment, as shown in figure 8, including that resource transfers are whole End, resource management client and resource management platform, the resource transfers terminal built-in smart card reader module, the resource pipe Managing client includes near-field communication module, for carrying out near field between the resource transfers terminal and the resource management client Communication.The resource management client and resource management platform can be deployed on different physical equipments, or deployment The different function module of different application or the same application on a physical equipment.The resource transfers system includes:

Resource transfers order reception module 800, for receiving preset resource transfers terminal storage by near-field communication Resource transfers order；

Resource transfers order uploading module 801, it is pre- for being sent to the received resource transfers order by network If resource management platform, to apply for that the resource management platform completes the corresponding resource transfers of the resource transfers order；

Optionally, as shown in figure 9, the system also includes:

Resource transfers terminal application module 802, for sending the granting of resource transfers terminal to the resource management platform Application；Wherein, the granting application includes at least: merchant identification, to pass through the resource management platform granting and the trade company Associated resource transfers terminal is identified, the platform of the resource management platform write-in is previously stored in the resource transfers terminal Authentication secret, the platform validation key are used to pass through resource described in the platform validation key pair as the resource transfers terminal Transfer order is encrypted；

Platform validation key read module 803 stores in the resource transfers terminal for being obtained by near-field communication Platform validation key；

Resource transfers terminal opens module 804, for sending the resource transfers terminal to the resource management platform Open application；Wherein, described to open application and include at least: the platform validation key, the merchant identification and the resource turn Move the operating mode of terminal；It is described to open application so that the resource management platform is to the platform validation key and the quotient After family identity verification passes through, the resource transfers terminal of the affiliated trade company of the merchant identification is opened；Wherein, the operating mode packet Include: read-write mode card, the resource transfers terminal obtain the branch of target Payment Card under readable mode card by near-field communication It pays card information and realizes resource transfers.

Optionally, as shown in figure 9, the system also includes:

Online resource shifts order reception module 805, generates for receiving the resource transfers terminal by near-field communication Resource transfers order；Wherein, the resource transfers order is the resource transfers terminal in the payment for obtaining target Payment Card After card information, when the surplus resources quantity in the payment card information is greater than or equal to the order transferring resource number obtained in advance When amount, according to the order transferring resource quantity obtained in advance, the Payment Card for including in payment card information mark and local deposit What the merchant identification of storage generated；

Online resource shifts order uploading module 806, for being sent the received resource transfers order by network To the resource management platform, to apply for that the resource management platform completes the corresponding resource transfers of the resource transfers order；

Resource transfers result receiving module 807, for receiving the execution resource transfers of resource management platform feedback As a result；

Resource transfers result sending module 808, for being sent the result for executing resource transfers by near-field communication To the resource transfers terminal, the result for executing resource transfers is sent to the mesh by the resource transfers terminal Mark Payment Card.

Optionally, as shown in figure 9, the system also includes:

Payment Card blacklist update module 809, for sending Payment Card to the resource transfers terminal by near-field communication Blacklist；

The Payment Card blacklist is stored in the resource transfers terminal, for obtaining as the resource transfers terminal The following foundation operated is executed after the payment card information of target Payment Card: when according to identifying the blacklist or stores Payment Card blacklist, when determining that the target Payment Card is put on the blacklist, refusal accepts resource transfers；When according to the black name Single Payment Card blacklist identified and store, when determining that the target Payment Card is not put on the blacklist, works as described in execution When the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to the order transferring resource number The step of amount, Payment Card mark and the merchant identification being locally stored generate resource transfers order.

Optionally, the Payment Card blacklist update module 809, is also used to receive the resource transfers by near-field communication The Payment Card removed from the Payment Card blacklist of the resource transfers terminal storage that terminal is sent identifies, and will receive To Payment Card mark be uploaded to the resource management platform and recorded.

Resource transfers system is disclosed in the present embodiment for realizing resource described in the embodiment of the present application three and example IV Transfer method, the concrete methods of realizing of each module in the system is referring to resource described in application embodiment three and example IV The corresponding steps of transfer method, this embodiment is not repeated.

Resource transfers system based on near-field communication disclosed in the embodiment of the present application, by the resource transfers terminal from In the case where line, resource transfers order is accepted by the resource transfers terminal first, and be stored in the resource transfers terminal sheet Ground, and when the resource transfers terminal is online, it is whole that the resource transfers are collected by the resource management client The resource transfers order being locally stored is held, then, it is right in the resource transfers order further to complete by resource management platform The resource transfers answered, solving the card swiping terminal for carrying out requiring trade company when resource transfers in the prior art caused online must make The problem being limited with scene.Resource transfers system disclosed in the embodiment of the present application is by rebuilding the frame of resource transfers system Structure can realize resource transfers, extend resource transfers of swiping the card in the case where the card swiping terminal of trade company is online and offline Application scenarios, the resource transfers of swiping the card between user and trade company provide huge convenience, greatly improve user experience.

Correspondingly, a kind of resource transfers system based on near-field communication disclosed in the present embodiment, comprising: the embodiment of the present application Resource transfers terminal described in one, resource management client, resource management platform, wherein the resource transfers terminal is used for Realize the resource transfers method based on near-field communication described in the embodiment of the present application one and embodiment two, the resource management client End is for realizing the resource transfers method described in the embodiment of the present application three and example IV based on near-field communication.

Correspondingly, disclosed herein as well is a kind of electronic equipment, including memory, processor and it is stored in the memory Computer program that is upper and can running on a processor, the processor are realized when executing the computer program as the application is real Example one is applied to the resource transfers method described in example IV based on near-field communication.The electronic equipment can be PC machine, movement Terminal, personal digital assistant, tablet computer etc..

Disclosed herein as well is a kind of computer readable storage mediums, are stored thereon with computer program, which is located Manage the step that the resource transfers method based on near-field communication as described in the embodiment of the present application one to example IV is realized when device executes Suddenly.

All the embodiments in this specification are described in a progressive manner, the highlights of each of the examples are with The difference of other embodiments, the same or similar parts between the embodiments can be referred to each other.For Installation practice For, since it is basically similar to the method embodiment, so being described relatively simple, referring to the portion of embodiment of the method in place of correlation It defends oneself bright.

Above to a kind of resource transfers method based on near-field communication provided by the present application, system and resource transfers terminal into It has gone and has been discussed in detail, specific examples are used herein to illustrate the principle and implementation manner of the present application, the above implementation The explanation of example is merely used to help understand the present processes and its core concept；Meanwhile for the general technology people of this field Member, according to the thought of the application, there will be changes in the specific implementation manner and application range, in conclusion this explanation Book content should not be construed as the limitation to the application.

Through the above description of the embodiments, those skilled in the art can be understood that each embodiment can It realizes by means of software and necessary general hardware platform, naturally it is also possible to pass through hardware realization.Based on such reason Solution, substantially the part that contributes to existing technology can embody above-mentioned technical proposal in the form of software products in other words Come, which may be stored in a computer readable storage medium, such as ROM/RAM, magnetic disk, CD, including Some instructions are used so that a computer equipment (can be personal computer, server or the network equipment etc.) executes respectively Method described in certain parts of a embodiment or embodiment.

Claims

1. a kind of resource transfers method based on near-field communication, which is characterized in that

When the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, shifted according to the order Resource quantity, Payment Card mark and the merchant identification being locally stored generate resource transfers order；

2. the method according to claim 1, wherein the online off-line state of the basis, is held by corresponding manner The step of row resource transfers order corresponding resource transfers, comprising:

In the case where being determined as off-line state, the resource transfers order is stored；

It is stored successfully in response to the resource transfers order, the result that confirmation executes resource transfers is successfully.

3. according to the method described in claim 2, it is characterized by further comprising:

The resource transfers order being locally stored is sent to the resource according to the triggering of preset resource management client Management client, so that the resource management client is after receiving the resource transfers order, by the resource transfers Order is sent to preset resource management platform, completes the corresponding resource of the resource transfers order by the resource management platform Transfer.

4. method according to any one of claims 1 to 3, which is characterized in that described according to the order transferring resource number After the step of amount, Payment Card mark and the merchant identification being locally stored generate resource transfers order, further includes:

It is encrypted by resource transfers order described in pre-stored key pair；Wherein, pre-stored key includes: default Resource management platform according to preset resource management client application write-in platform validation key, and/or, preset money Transmission key of the source control client to preset resource management platform application and write-in.

5. method according to any one of claims 1 to 3, which is characterized in that the Payment Card for obtaining target Payment Card Before the step of information, further includes:

The Payment Card blacklist that preset resource management client is sent is received and stored by near-field communication；

The payment card information further includes the blacklist mark of Payment Card, the step of the payment card information for obtaining target Payment Card After rapid, further includes:

When the Payment Card blacklist for identifying or storing according to the blacklist, determine that the target Payment Card is put into black name Dan Shi, refusal accept resource transfers；

When the Payment Card blacklist for identifying and storing according to the blacklist, it is black to determine that the target Payment Card is not put into When list, execution is described when the surplus resources quantity is greater than or equal to the order transferring resource quantity obtained in advance, according to The order transferring resource quantity, Payment Card mark and the merchant identification being locally stored generate the step of resource transfers order Suddenly.

6. according to the method described in claim 5, it is characterized in that, when the payment for being identified or being stored according to the blacklist Card blacklist, when determining that the target Payment Card is put on the blacklist, after refusal the step of accepting resource transfers, further includes:

When determining that the target Payment Card is put on the blacklist according to blacklist mark, if the Payment Card of storage is black Include that the Payment Card identifies in list, then removes Payment Card mark from the Payment Card blacklist of storage；

When the Payment Card blacklist according to storage, when determining that the target Payment Card is put on the blacklist, if the black name Single mark indicates that the target Payment Card is not put on the blacklist, then the blacklist mark of the target Payment Card is arranged, and will The Payment Card mark is removed from the Payment Card blacklist of storage.

7. according to the method described in claim 6, it is characterized in that, the Payment Card by the Payment Card mark from storage is black After the step of being removed in list, further includes:

The Payment Card removed from the Payment Card blacklist of storage mark is sent to preset resource by near-field communication Management client is recorded with being uploaded to preset resource management platform by the resource management client.

8. a kind of resource transfers method based on near-field communication characterized by comprising

The received resource transfers order is sent to preset resource management platform, to apply for that the resource management platform is complete At the corresponding resource transfers of the resource transfers order；

Wherein, the resource transfers order is the resource transfers terminal after the payment card information for obtaining target Payment Card, When the surplus resources quantity in the payment card information is greater than or equal to the order transferring resource quantity obtained in advance, according to pre- Include in the order transferring resource quantity that first obtains, the payment card information Payment Card mark and the merchant identification that is locally stored It generates and stores.

9. according to the method described in claim 8, it is characterized in that, described receive preset resource transfers end by near-field communication Before the step of holding the resource transfers order of storage, further includes:

The granting application of resource transfers terminal is sent to the resource management platform；Wherein, the granting application includes at least: quotient Family mark, with by the resource management platform granting and the associated resource transfers terminal of the merchant identification, the resource turns The platform validation key that the resource management platform write-in is previously stored in terminal is moved, the platform validation key is used for by institute Resource transfers terminal is stated to be encrypted by resource transfers order described in the platform validation key pair；

The platform validation key stored in the resource transfers terminal is obtained by near-field communication；

Send the resource transfers terminal to the resource management platform opens application；Wherein, described open applies at least wrapping It includes: the operating mode of the platform validation key, the merchant identification and the resource transfers terminal；It is described open application so that The resource management platform opens the merchant identification after being verified to the platform validation key and the merchant identification The resource transfers terminal of affiliated trade company；Wherein, the operating mode includes: read-write mode card, and the resource transfers terminal exists Resource transfers are realized by the payment card information that near-field communication obtains target Payment Card under readable mode card.

10. method according to claim 8 or claim 9, which is characterized in that further include:

Payment Card blacklist is sent to the resource transfers terminal by near-field communication；

The payment card information further includes blacklist mark, and the Payment Card blacklist is stored in the resource transfers terminal, is used In the foundation for executing following operation after the payment card information for obtaining target Payment Card as the resource transfers terminal: working as root The Payment Card blacklist for identifying or storing according to the blacklist is refused when determining that the target Payment Card is put on the blacklist Resource transfers are accepted absolutely；When the Payment Card blacklist for identifying and storing according to the blacklist, the target payment is determined When card is not put on the blacklist, execute described when the surplus resources quantity is greater than or equal to the order transferring resource obtained in advance When quantity, resource is generated according to the merchant identification that the order transferring resource quantity, the Payment Card are identified and be locally stored and is turned The step of moving order.

11. according to the method described in claim 10, it is characterized in that, the Payment Card blacklist is also used to when according to described black List mark or the Payment Card blacklist of storage, when determining that the target Payment Card is put on the blacklist, refusal accepts money After the transfer of source, as the foundation for executing following operation:

12. according to the method for claim 11, which is characterized in that further include:

The black name of Payment Card from the resource transfers terminal storage that the resource transfers terminal is sent is received by near-field communication The Payment Card mark removed in list, and the Payment Card received mark is uploaded to the resource management platform and is carried out Record.

13. a kind of resource transfers system based on near-field communication characterized by comprising

Payment card information obtains module, for obtaining the payment card information of target Payment Card, wherein the payment card information is at least It include: surplus resources quantity, Payment Card mark；

Resource transfers order generation module, for being greater than or equal to the order obtained in advance transfer money when the surplus resources quantity When the quantity of source, resource is generated according to the merchant identification that the order transferring resource quantity, the Payment Card are identified and be locally stored Shift order；

Resource transfers module, for it is corresponding to execute the resource transfers order by corresponding manner according to online off-line state Resource transfers.

14. a kind of resource transfers system based on near-field communication characterized by comprising

Resource transfers order reception module, for receiving the resource transfers of preset resource transfers terminal storage by near-field communication Order；

Resource transfers order uploading module, for the received resource transfers order to be sent to preset resource by network Platform is managed, to apply for that the resource management platform completes the corresponding resource transfers of the resource transfers order；

Wherein, after payment card information of the resource transfers order for resource transfers terminal acquisition target Payment Card, when When surplus resources quantity in the payment card information is greater than or equal to the order transferring resource quantity obtained in advance, according to preparatory The Payment Card mark for including in the order transferring resource quantity of acquisition, the payment card information and the merchant identification being locally stored are raw At and store.

15. a kind of resource transfers terminal characterized by comprising smart card reader module, near-field communication module and application program Plug-in unit, the near-field communication module further comprises: embedded security chip, wherein

The embedded security chip is for storing key and resource transfers order；And the key pair institute for passing through storage Resource transfers order is stated to be encrypted；

The near-field communication module is also used to send resource transfers order, and receives configuration information, wherein the configuration information It include: key, operating mode, resource transfers quantity, any one or more in Payment Card blacklist；

The smart card reader module is used to execute the read-write of entity card or virtual card according to the control of the application plug Operation, wherein the application plug is authenticated by the card sending mechanism of the virtual card or the entity card.

16. a kind of resource transfers system based on near-field communication, which is characterized in that the system comprises as claimed in claim 15 Resource transfers terminal, resource management client, resource management platform, wherein the resource transfers terminal for realizing such as weigh Benefit requires 1 to 7 described in any item resource transfers methods based on near-field communication, and the resource management client is for realizing such as The described in any item resource transfers methods based on near-field communication of claim 8 to 12.

17. a kind of electronic equipment, including memory, processor and it is stored on the memory and can runs on a processor Computer program, which is characterized in that the processor realizes any one of claim 1 to 12 institute when executing the computer program The resource transfers method based on near-field communication stated.

18. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the program is by processor The step of resource transfers method described in claim 1 to 12 any one based on near-field communication is realized when execution.