WO2012024894A1

WO2012024894A1 - Contactless smart card and method for same to support payment services of different banks

Info

Publication number: WO2012024894A1
Application number: PCT/CN2011/001402
Authority: WO
Inventors: 张龙其
Original assignee: Zhang Longqi
Priority date: 2010-08-24
Filing date: 2011-08-23
Publication date: 2012-03-01
Also published as: CN102667838A; CN101930572A

Abstract

The present invention provides a method for supporting payment services of different banks by a contactless smart card, in which the contactless smart card is bound with different accounts in different banks, so as to accomplish online transactions with the bank accounts bound with the contactless smart card by charging to the bank accounts bound with the contactless smart card to carry out a load transaction by the contactless smart card, thereby accomplishing the smart card's payment functions across multiple accounts in different banks. The method comprises the steps of: A. forming a payment system from a binding terminal, a bank host, a bank processor, a third party processor, a payment terminal and a communications network; B. establishing a binding relationship between a contactless smart card and bank accounts on the payment system; and C. accomplishing, by means of the binding relationship, payment services of the bank accounts bound with the contactless smart card by using the same.

Description

Non-contact smart card and method for supporting different bank payment services

[0001] The present invention relates to a payment method for a bank card, and more particularly to a method for realizing payment services of different banks by binding a smart card with a different bank account.

Background technique

[0002] Today, bank magnetic stripe cards are the most important electronic payment tools, and the circulation has been several billions. With the widespread use of such payment instruments, their own defects have led to security drawbacks in the financial payment field. More and more prominent. For example, since the bank magnetic stripe card itself is easily copied, in the case of a password leak, it is easy to cause a huge loss of funds on the card user account. At present, more and more financial institutions are aware of the many drawbacks of the use of bank magnetic stripe cards, which has led these financial institutions to gradually replace bank magnetic stripe cards with smart cards. Since smart cards are difficult to copy, even if the password is illegally obtained, the funds are secured. At the same time, offline payment can be realized because of the electronic wallet and electronic passbook account on the smart card. At present, many banks issue contact smart cards, but contact smart cards are not very convenient in situations where fast payment is required. For example, it is not suitable for taking buses, and not touching smart cards is more convenient for users without reducing security payments.

[0003] However, the smart cards currently used in the financial payment field are issued by different banks. When issued to users, these smart cards are generally associated with the user's bank master account, and a smart card can only be associated with one master account. The online account is consumed from the primary account associated with the smart card, and the debit is charged from the primary account associated with the smart card. In this way, the smart card cannot implement the business functions of other accounts and other banks, which limits the convenience of the card user. Confirmation [0004] In order to overcome the limitations of the above smart card usage, the present invention provides a payment method for a non-contact card to support different banking services, and realizes a cross-line and multi-account payment service of the smart card.

Summary of the invention

[0005] The technical problem to be solved by the present invention is that the smart card issued in the above prior art cannot support the technical defect of the payment service of the inter-bank and multi-account.

[0006] In order to achieve the object of the present invention, the present invention provides a method for a contactless smart card to support different bank payment services - binding of a contactless smart card to different accounts of different banks to implement binding with the contactless smart card The online transaction of the bank 3⁄4 households realizes the deposit transaction of the contactless smart card by deducting the bank account bound to the contactless smart card, thereby realizing the payment function of the smart card inter-bank multi-account. The method comprises the following steps -

A. Forming a payment system by a binding terminal, a bank host, a bank processor, a third party processor, a payment terminal, and a communication network;

B. Establish a binding relationship between the contactless smart card and the bank expansion on the above payment system;

C. The payment service of the bank account bound to the contactless smart card is implemented by using the contactless smart card by using the above binding relationship.

[θθο

The third party in the method refers to another unit relative to the card user and the bank in the payment. In this method, the third party acts as a bridge. When the card user binds the contactless smart card to the bank 3⁄4 household on the binding terminal, the bank processor sends the binding relationship to the third party processor; the card user is at the payment terminal. At the time of the payment, the third party processor sends a transaction request to the bank processor.

[0008] The contactless smart card in the method is issued by a bank in a payment system or issued by a third party, The consumer key on the contact smart card is associated with the consumer key on the SAM card in the payment terminal terminal.

[0009]

According to the preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the above step B includes the following steps -

Bl, the binding terminal reads the account of the bank account;

B2. The binding terminal reads the card number of the contactless smart card; sends a binding request to the bank processor, where the request information includes the card number of the contactless smart card and the account of the bank account;

B3. The bank processor receives the binding request; records a binding relationship between the card number of the contactless smart card and the account of the bank account in the request information; sends a binding request to the third-party processor, where the request information includes the binding relationship The card number of the contactless smart card and part of the account of the bank account;

B4. The third-party processor receives the binding request; records the card number of the contactless smart card in the request information and the binding account of the partial account of the bank account, wherein the content of the binding account includes the card number of the contactless smart card, and the bank account a partial account number, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and an electronic passbook balance value synchronized with the electronic passbook on the contactless smart card;

B5. The binding terminal reads the account of another bank account, and performs the above steps B2, B3, and B4; and establishes a binding relationship between the non-contact smart card and another bank account;

B6. Repeat the above step B5 to establish a binding relationship between the contactless smart card and multiple bank accounts.

[0010]

According to the preferred implementation manner of the method for supporting different bank payment services by the above-mentioned contactless smart card, the binding relationship recorded by the bank processor in the above step B3: The binding relationship includes a binding account, and the content of the binding account includes a card number of the contactless smart card, an account number of the bank account, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and a non-contact smart card The electronic passbook balance value of the electronic passbook synchronization.

[0011]

According to the preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the above step B further includes the following steps:

B7. After receiving the binding request, the bank processor sends a binding request to the bank host, where the request information includes the card number of the contactless smart card and the account number of the bank account;

B8. The bank host receives the binding request; and establishes a binding account corresponding to the card number of the contactless smart card and the account of the bank account in the request information, where the content of the binding account includes a card number of the contactless smart card, an account number of the bank account, and The electronic wallet balance value of the electronic wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card.

[0012]

According to a preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the above step B further includes the following steps -

B9. The third-party processor records, on the contactless smart card, a partial account of the bank account bound to the contactless smart card via the bank processor and the binding terminal; or the bank processor records on the contactless smart card via the binding terminal. The partial account of the bank account bound by the contactless smart card; or the binding terminal records a part of the account of the bank account bound to the contactless smart card on the contactless smart card.

[0013] According to a preferred implementation manner of a method for supporting a different bank payment service by the above-mentioned contactless smart card, the payment service of the bank account in the above step C includes -

D, online consumer business;

E, storage business;

F, offline consumer business.

[0014]

According to a preferred embodiment of the method for supporting different bank payment services by the above-mentioned contactless smart card, the online consumer service includes the following steps:

Dl. The payment terminal reads the card number information of the contactless smart card;

The payment terminal reads the list information of the account number of the bank account recorded on the contactless smart card; or the payment terminal sends a binding relationship query request containing the card number of the contactless smart card to the third-party processor, and the third-party processor and the non-contact processor The list information of the partial accounts of all the bank accounts that are contacted by the smart card is answered to the payment terminal;

The payment terminal displays partial account list information of all bank accounts bound to the contactless smart card;

The payment terminal records a part of the account of a bank account selected by the user from the account list;

D2. The payment terminal reads the consumption amount input by the card user and the password of the bound bank account selected by the user; sends an online consumption request to the third-party processor, where the request information includes the card number of the contactless smart card, part of the account of the bank account, The password of the bank account and the amount of online consumption;

D3. The third-party processor receives the online consumption request; and sends the online consumption request to the bank processor;

D4. The bank processor receives the online consumption request; according to the card number of the contactless smart card in the request information and a part of the account of the bank account, the complete account of the bank account is found in the binding relationship; and the online consumption request is sent to the bank host; The request information includes the complete account number of the bank account, the amount of consumption, and the password of the bank account;

D5. The bank host deducts the bank account; the online consumption result is answered to the bank processor;

D6. The bank processor receives the online consumption result of the bank; and sends the online consumption result to the third-party processor, where the response information includes an online consumption execution result, a card number of the contactless smart card, and a partial account of the bank account;

D7. The third-party processor receives the response message and completes the subsequent service.

[0015]

According to a preferred embodiment of the method for supporting a different bank payment service by the above-mentioned contactless smart card, the foregoing ring storage service includes the following steps:

El, the payment terminal reads the card number information of the contactless smart card;

The payment terminal reads the list information of the account number of the bank account recorded on the contactless smart card; or the payment terminal sends a binding relationship query request containing the card number of the contactless smart card to the third-party processor, and the third-party processor will The list information of some accounts of all bank accounts bound by the contactless smart card is answered to the payment terminal;

E2. The payment terminal reads the type of the deposit entered by the card user, the amount of the deposit, and the password of the bound bank account selected by the user; sends a request to the third-party processor, the request information includes the card number of the contactless smart card, and the bank Part of the account, the amount of the account, the bank account password;

E3. The third-party processor receives the storage request, and sends the storage request to the bank processor;

E4. The bank processor receives the deposit request; according to the card number of the contactless smart card in the request information and a part of the account of the bank account, find the complete account of the bank account in the binding relationship; send a circle request to the bank host, and save the deposit Request The card number of the contactless smart card, the complete account number of the bank account, the amount of the deposit, and the password of the bank account;

E5. The bank host debits the bank account;

If a binding account is established on the bank host, the card number of the contactless smart card in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account are added;

The bank host responds to the bank processor with the result of the deduction;

E6. The bank processor receives the deduction result information sent by the bank host;

If a binding account is established on the bank processor, the card number of the contactless smart card in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account are added;

The bank processor answers the deduction result information to the third-party processor, and the deduction result information includes the deduction execution result, the card number of the non-contact smart card, and a part account of the bank account;

E7. The third-party processor receives the information of the deduction result;

Performing a ring operation on the contactless smart card via the payment terminal;

The card number of the contactless smart card in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the bank account part account are added; the circle storage service is completed.

[0016]

According to a preferred embodiment of the method for supporting different bank payment services by a contactless smart card, the offline consumer service includes the following steps:

Fl, the payment terminal accepts the contactless smart card to complete the offline consumption business;

F2. The payment terminal reports the offline consumption record to the third-party processor;

F3. The third-party processor verifies the integrity and validity of the offline consumption record; F4. The third-party processor reads the card number of the contactless smart card in the offline consumption record;

A part of the account of the bank account bound to the contactless smart card is found by the card number of the contactless smart card, and the electronic wallet balance value or the electronic passbook balance value of the binding relationship corresponding to the contact account of the contactless smart card and the bank account is depreciated. ;

Sending an offline consumption request to the bank processor, the request information includes a card number of the contactless smart card, a partial account number of the bank account, and a consumption amount;

F5. The bank processor receives the offline consumption request, and finds a complete account of the bank account according to the card number of the contactless smart card in the request information and a part of the account of the bank account;

If a binding account is established on the bank processor, the card number of the contactless smart card in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account are devalued;

F6. If a binding account is established on the bank host, the bank processor sends an offline consumption request to the bank host, and the request information includes the card number of the contactless smart card, the complete account number of the bank account, and the consumption amount;

The bank host receives the offline consumption request sent by the bank processor; the card number of the contactless smart card in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account; The result message is answered to the bank processor;

F7. The bank processor answers the offline consumption result to the third-party processor, and the result information includes the processing result, the card number of the contactless smart card, the partial account number of the bank account, and the consumption amount;

F8. The third-party processor receives the response message; the offline consumer service is completed.

[0017]

A preferred embodiment of a method for supporting different bank payment services according to the above-described contactless smart card, said bank account It includes the bank main expansion account corresponding to the bank passbook, the bank main account corresponding to the bank magnetic stripe card, and the bank owner 3⁄4 household corresponding to the bank smart IC card. The contactless smart card is bound to the bank master account corresponding to the bank passbook to realize the transaction, and the payment range of the bank passbook is expanded; the contactless smart card is bound to the bank master account corresponding to the bank magnetic stripe card to realize the transaction, and the bank magnetic stripe card transaction is improved. safety. The contactless smart card is bound to the bank master 3⁄4 household corresponding to the bank smart IC card, and is compatible with the payment mode that extends the bank smart IC card.

[0018]

The use of contactless smart cards to bind different accounts of different banks effectively solves the problem of supporting payment services of different banks by a non-contact smart card. In the transaction business, the contactless smart card is used, and the online account service uses the master account password, so that the user bank account and the bank account password do not need to appear at the same time, thereby improving the security of the magnetic stripe card account, the passbook, and the like. It can be seen that the method reduces the cost of using the smart card, improves the security of payment, and is convenient for the user.

[0019]

DRAWINGS

1 is a network structure diagram of the present invention. among them- *

11 to 19 are a number of bank processors;

21 is a bank host connected to the bank processor 11, and 29 is a bank host connected to the bank processor 19;

311 to 319 are a plurality of binding terminals connected to the bank processor 11, and 391 to 399 are a plurality of binding terminals connected to the bank processor 19;

8 is a third-party processor;

51 is the power bureau processor, 52 is the water bureau processor, and 59 is the other unit processor; 61 to 69 are payment terminals connected to the third-party processor 8;

4 is a bank account;

9 is a contactless smart card;

11, 21, 311 ~ 319 classified as a bank, 19, 29, 391 ~ 399 classified as another bank.

[0021]

Detailed ways

[0022] Embodiment 1: The principle of the method is illustrated according to FIG. 1.

[0023] 1. The payment system is formed by the binding terminals 311 to 319 and 391 to 399, the bank hosts 21 and 29, the bank processors 11 to 19, the third party processor 8, the payment terminals 61 to 69, and the communication network;

2. Establishing a binding relationship between the contactless smart card 9 and the bank account 4 through the above payment system; the binding terminal 311 reads the account number of the bank account 4 and the card number of the contactless smart card 9, and sends a binding request to the bank processor 11; The processor 11 records the binding relationship, and sends a card number binding request including the part number of the bank 4⁄4 and the contactless smart card 9 to the third party processor 8; the third party processor 8 records part of the account of the bank account 4. Binding request with the card number of the contactless smart card 9;

3. Through the above binding relationship, the non-contact smart card 9 is used to implement the payment service of the bank 3⁄4 household 4 bound to the contactless smart card 9; the payment terminal 61 accepts the password of the contactless smart card 9 and accepts the bank account 4, and realizes online consumption transaction. The transaction terminal 61 accepts the contactless smart card 9 to implement offline consumption transactions: the payment terminal 61 sends the transaction request to the third party processor 8; the third party processor 8 will include the card number of the contactless smart card 9, bank account 4 The partial account number, the bank account number, the transaction amount of the transaction request are sent to the bank processor 11; the bank processor 找到 finds the bank account 4 according to the card number of the contactless smart card 9 in the transaction request and part of the bank account 4 account number The entire account, initiates a transaction request to the bank host 21.

[0024] Since the bank account 4 is used only once on the binding terminal 311 at the time of binding, the contactless smart card 9 is used in subsequent transactions, and the contactless smart card 9 is not easily cracked and copied, and is not easily passed through the non-contact. The smart card 9 obtains the account number of the bank account 4, which improves the security of the payment link.

[0025] The contactless smart card 9 binds different bank accounts on the payment system, and can implement payment services of different bank accounts, thereby achieving the object of the present invention.

[0026]

Embodiment 2: According to FIG. 1, the binding relationship between the contactless smart card and the bank account is established.

[0027] 1. The binding terminal 311 reads the account of the bank account 4;

2. The binding terminal 311 reads the card number of the contactless smart card 9; sends a binding request to the bank processor 11, the request information including the card number of the contactless smart card 9 and the account number of the bank account 4;

3. The bank processor 11 receives the binding request; records the binding relationship between the card number of the non-contact smart card 9 and the account of the bank account 4 in the request information; sends a binding request to the third-party processor 8, and the request information includes the The card number of the contactless smart card 9 and the partial account of the bank account 4;

4. The third-party processor 8 receives the binding request; records the card number of the non-contact smart card 9 in the request information and the binding account of the partial account of the bank account 4, wherein the content of the binding account includes the card number of the contactless smart card 9. The partial account number of the bank account 4, the electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card. The binding relationship is established.

[0028] Using the different bank accounts, the above steps are repeated, and the binding relationship between the contactless smart card 9 and the plurality of bank accounts can be established. [0029] When the bank processor 11 sends the binding request to the third-party processor 8, only part of the account of the bank account 4 is included, so as to prevent the illegal agent from obtaining the complete account and password of the bank account 4 from the third party at the same time, and ensuring the system's Security, when the user selects a part of the account of the bank account 4 on the payment terminal, the complete account of the bank account 4 can be obtained in the binding relationship recorded by the bank processor.

[0030] The third-party processor 8 records the card number of the contactless smart card 9 in the request information and the binding account of the partial account of the bank account 4, and records the non-contact smart card 9 when the execution of the deposit service and the offline consumption service are recorded. Contacting the balance of the current electronic wallet and the electronic passbook of the smart card 9 can thereby determine whether the non-contact smart card 9 has an abnormal situation in which the total consumption amount is greater than the total amount of the deposit.

[0031]

Embodiment 3: According to FIG. 1, the binding relationship between the contactless smart card and the bank account is established, and part of the account of the bank account is recorded in the contactless smart card.

[0032] The binding terminal 311 reads the account number of the bank account 4;

3. The bank processor 11 receives the binding request; records the binding number of the non-contact smart card 9 and the account of the bank account 4 in the request information, and the content of the binding account includes the card number of the contactless smart card, The bank account account number, the electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card; the binding request is sent to the third party processor 8, and the request information is included The card number of the contactless smart card 9 of the binding relationship and a part of the account number of the bank account 4; the bank processor 11 sends a binding request to the bank host 21, the card number and the bank account of the contactless smart card 9 containing the binding relationship in the request information 4 account number; 4. The third-party processor 8 receives the binding request; records the card number of the non-contact smart card 9 in the request information and the binding account of the partial account of the bank account 4, wherein the content of the binding account includes the card number of the contactless smart card 9. a partial account number of the bank account 4, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and an electronic passbook balance value synchronized with the electronic passbook on the contactless smart card;

5. The bank host 21 receives the binding request; establishes a binding account corresponding to the card number of the contactless smart card and the account of the bank account in the request information, and the content of the binding account includes the card number of the contactless smart card 9, and the bank account 4 The account number, the e-wallet balance value synchronized with the e-wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card;

6. The third-party processor 8 records a partial account of the bank account 4 bound to the contactless smart card 9 on the contactless smart card 9 via the bank processor 11 and the binding terminal 61; or the bank processor 11 via the binding terminal 61 A part of the account of the bank account 4 bound to the contactless smart card 9 is recorded on the contactless smart card 9; or, the binding terminal 61 records a part of the account of the bank account 4 bound to the contactless smart card 9 on the contactless smart card 9. . The binding relationship is established.

[0033] Recording, on the bank processor 11, the binding binding account of the card number of the contactless smart card 9 and the account of the bank account 4 in the request information, for recording the execution of the non-contact smart card 9 and the offline consumption service Recording the balance of the current electronic wallet and the electronic passbook of the contactless smart card 9, so that it can be judged whether the non-contact smart card 9 has an abnormal situation in which the total amount of consumption is greater than the total amount of the deposit, or is used for the non-contact smart card of the user circle without The funds spent calculate interest.

[0034] Recording, on the bank host 21, the binding binding account of the contact card of the non-contact smart card 9 and the account of the bank account 4 in the request information, for recording the execution of the non-contact smart card 9 and the offline consumption service Record non-contact wisdom The card 9 can balance the current e-wallet and the electronic passbook, so that it can be judged whether the non-contact smart card 9 has an abnormal situation in which the total amount of consumption is greater than the total amount of the deposit, or is used for the non-contact smart card of the user circle without the consumption of funds. Calculate interest.

[0035] recording a partial account of the bank account on the contactless smart card, and the user selects the required bank account by the payment terminal directly reading the partial account list of the bank account from the contactless smart card, without processing from the third party Download on board to increase the speed of the transaction.

[0036]

Embodiment 4: According to FIG. 1, the contactless smart card 9 implements an online consumer transaction, wherein the contactless smart card 9 records a partial account of the bank account 4 of the binding relationship, and the user selects the bank account 4 to complete the transaction.

[0037] 1. The payment terminal 61 reads the card number information of the contactless smart card 9;

The payment terminal 61 reads the list information of the account number of the bank account recorded on the contactless smart card 9;

The payment terminal 61 displays partial account list information of all bank accounts bound to the contactless smart card 9; the payment terminal 61 records a partial account of the bank account 4 selected by the user from the account list;

2. The payment terminal 61 reads the consumption amount input by the card user and the password of the bank account 4 selected by the user; sends an online consumption request to the third party processor 8, and the request information includes the card number of the contactless smart card 9, and the bank account. 4 part of the account number, bank account 4 password, online consumption amount;

3. The third-party processor 8 receives the online consumption request; and sends the online consumption request to the bank processor 11;

4. The bank processor 11 receives the online consumption request; according to the card number of the contactless smart card 9 in the request information and the partial account of the bank account 4, the complete account of the bank account 4 is found in the binding relationship; the online consumption is sent to the bank host 21 Request; the request information includes the full account number of the bank account 4, the amount of the purchase, and the password of the bank account 4; 5. The bank host 21 debits the bank account 4; the online consumption result is answered to the bank processor 11;

6. The bank processor 11 receives the online consumption result of the bank; and responds the online consumption result to the third-party processor 8, and the response information includes the online consumption execution result, the card number of the contactless smart card 9, and the partial account of the bank account 4.

7. The third-party processor 8 receives the response message and completes the subsequent service.

[0038]

Embodiment 5: According to FIG. 1, the contactless smart card 9 implements a deposit transaction, wherein the contactless smart card 9 does not record the bank account account of the binding relationship, and the user selects the bank account 4 to complete the transaction.

[0039] El, the payment terminal 61 reads the card number information of the contactless smart card 9;

The payment terminal 61 sends a binding relationship query request including the card number of the contactless smart card 9 to the third party processor 8, and the third party processor 8 responds to the list information of the partial accounts of all the bank accounts bound to the contactless smart card 9. Payment terminal 61;

The payment terminal 61 displays partial account list information of all bank accounts 4 bound to the contactless smart card 9; the payment terminal 61 records a partial account of the bank account 4 selected by the user from the account list;

E2. The payment terminal 61 reads the type of the deposit entered by the card user, the amount of the deposit, and the password of the bank account 4 selected by the user; sends a request to the third-party processor 8 to include the contactless smart card 9 Card number, partial account number of bank account 4, deposit amount, bank account 4 password;

E3, the third-party processor 8 receives the storage request, and sends the storage request to the bank processor 11;

E4, the bank processor 11 receives the deposit request; according to the card number of the contactless smart card 9 in the request information and a part of the account of the bank account 4, the complete account of the bank account 4 is found in the binding relationship; the bank account 21 is sent to the bank account 21 The request, the deposit request includes the card number of the contactless smart card 9, the complete account of the bank account 4, the deposit amount, and the bank account 4 password;

E5, bank host 21 debits from bank account 4;

If the binding account is established on the bank host 21, the card number of the contactless smart card 9 in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account 4 are added;

The bank host 21 responds to the bank processor 11 with the result of the deduction;

E6. The bank processor 11 receives the deduction result information sent by the bank host 21;

If the binding account is established on the bank processor 11, the card number of the contactless smart card 9 in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the binding account corresponding to the account of the bank account 4 are added;

The bank processor 11 responds to the third party processor 8 with the result of the deduction, and the deduction result information includes the result of the deduction execution, the card number of the contactless smart card 9, and a part of the account of the bank account 4.

E7. The third-party processor 8 receives the deduction result information;

Performing a bank storage operation on the contactless smart card 9 via the payment terminal 61;

The card number of the contactless smart card 9 in the deposit request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the bank account 4 part account are added; the circle storage service is completed.

[0040]

Embodiment 6: According to FIG. 1, the contactless smart card 9 implements an offline consumer transaction, wherein the contactless smart card 9 establishes a binding relationship with the bank account 4.

[0041] F1. The payment terminal 61 accepts the contactless smart card 9 to complete the offline consumption service;

F2, the payment terminal 61 reports the offline consumption record to the third-party processor 8;

F3. The third-party processor 8 verifies the integrity and validity of the offline consumption record; F4. The third-party processor 8 reads the card number of the contactless smart card 9 in the offline consumption record;

The partial account number of the bank account 4 bound to the contactless smart card 9 is found by the card number of the contactless smart card 9, and the electronic wallet balance value or the electronic passbook balance value of the binding relationship between the contactless smart card 9 and the partial account of the bank account 4 is obtained. Impairment

An offline consumption request is sent to the bank processor 11, and the request information includes a card number of the contactless smart card 9, a partial account number of the bank account 4, and a consumption amount;

F5. The bank processor 11 receives the offline consumption request, and finds the complete account of the bank account 4 according to the card number of the contactless smart card 9 and the account number of the bank account 4 in the request information;

If the binding account is established on the bank processor 11, the card number of the contactless smart card 9 in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the binding account corresponding to the account of the bank account 4 are devalued. ;

F6. If the binding account is established on the bank host 21, the bank processor 11 sends an offline consumption request to the bank host 21, the request information includes the card number of the contactless smart card 9, the complete account number of the bank account 4, and the consumption amount; The host 21 receives the offline consumption request sent by the bank processor 11; the card number of the contactless smart card 9 in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the binding account corresponding to the account of the bank account 4 are reduced. Value

Answering the result information to the bank processor 11;

F7, the bank processor 11 responds to the offline consumption result to the third party processor 8, and the result information includes the processing result, the card number of the contactless smart card 9, the partial account number of the bank account 4, and the consumption amount;

F8. The third-party processor 8 receives the response message; the offline consumer service is completed.

[0042] It is to be understood that the invention may be embodied in other embodiments without departing from the spirit and essential characteristics. Therefore, the above-disclosed embodiments are merely illustrative and not exclusive in all respects. It is to be understood that the specific embodiments of the invention are not limited to the embodiments, and all modifications within the scope of the invention or equivalent to the scope of the invention are included in the invention.

Claims

Claim

A contactless smart card and method thereof for supporting different bank payment services, characterized in that the method comprises the following steps:

A. A payment system is established by a binding terminal, a bank host, a bank processor, a third-party processor, a payment terminal, and a communication network;

B. Establish a binding relationship between the contactless smart card and the bank account on the payment system;

C. The payment service of the bank account bound to the contactless smart card is implemented by using the contactless smart card by using the contact relationship.

2. A contactless smart card and method for supporting different bank payment services according to claim 1, wherein said step B comprises the following steps:

Bl, the binding terminal reads the account of the bank account;

B2. The binding terminal reads the card number of the contactless smart card; sends a binding request to the bank processor, where the request information includes the card number of the contactless smart card and the account number of the bank account;

B4. The third-party processor receives the binding request; records the card number of the contactless smart card in the request information and the binding account of the partial account of the bank account, where the content of the binding account includes the card number of the contactless smart card, and the bank account Part of the account number, the e-wallet balance value synchronized with the e-wallet on the contactless smart card, and the electronic passbook balance value synchronized with the electronic passbook on the contactless smart card.

3. A contactless smart card and method for supporting different bank payment services according to claim 1 and claim 2, characterized in that the binding relationship recorded by the bank processor in the above step B3 is:

The binding relationship includes a binding account, and the content of the binding account includes a card number of the contactless smart card, an account number of the bank account, an electronic wallet balance value synchronized with the electronic wallet on the contactless smart card, and a non-contact smart card The electronic passbook balance value of the electronic passbook synchronization.

4. A contactless smart card and method for supporting different bank payment services according to claim 1 and claim 2, wherein said step B further comprises the following steps -

5. A contactless smart card and method for supporting different bank payment services according to claim 1 and claim 2, wherein said step B further comprises the steps of:

B9. The third-party processor records, on the contactless smart card, a partial account of the bank account bound to the contactless smart card via the bank processor and the binding terminal; or, the bank processor records on the contactless smart card via the binding terminal. a partial account of the bank account bound by the contactless smart card; or, the binding terminal records a partial account of the bank account bound to the contactless smart card on the contactless smart card number.

6. The contactless smart card and the method for supporting different bank payment services according to claim 1, wherein the payment service of the bank account in the above step C comprises:

D, online consumer business;

E, storage business;

F, offline consumer business.

7. A contactless smart card and method for supporting different bank payment services according to claim 1 and claim 6, wherein said online consumer service comprises the following steps:

The DK payment terminal reads the card number information of the contactless smart card;

The payment terminal reads the list information of the account number of the bank account recorded on the contactless smart card; or, the payment terminal sends a binding relationship query request containing the card number of the contactless smart card to the third-party processor, and the third-party processor will The list information of some accounts of all bank accounts bound by the contactless smart card is answered to the payment terminal;

The payment terminal displays partial account list information of all bank accounts bound to the contactless smart card; the payment terminal records a partial account of a bank account selected by the user from the account list;

D2. The payment terminal reads the consumption amount input by the card user and the password of the bank account selected by the user; sends an online consumption request to the third-party processor, where the request information includes the card number of the contactless smart card, part of the account of the bank account, The password of the bank account and the amount of online consumption;

D3. The third-party processor receives the online consumption request; and sends the online consumption request to the bank processor; D4. The bank processor receives the online consumption request; according to the card number of the contactless smart card in the request information and a part of the account of the bank account, find the complete account of the bank account in the binding relationship; send an online consumption request to the bank host; request information Contains the full account number of the bank account, the amount spent, and the bank account password;

D5, the bank host deducts the bank account; the online consumption result is answered to the bank processor; D6, the bank processor receives the bank online consumption result; the online consumption result is answered to the third party processor, and the response information includes the online The result of consumption execution, the card number of the contactless smart card, and part of the account of the bank account;

8. A contactless smart card and a method for supporting different bank payment services according to claim 1 and claim 6, wherein said deposit service comprises the following steps:

E2. The payment terminal reads the type of the deposit entered by the card user, the amount of the deposit, and the password of the bound bank account selected by the user; sends a request to the third party processor, and the request information includes the contactless intelligence. Card number of the card, part of the account number of the bank account, the amount of the deposit, the password of the bank account;

E4. The bank processor receives the deposit request; according to the card number of the contactless smart card in the request information and a part of the account of the bank account, find the complete account of the bank account in the binding relationship; send a circle request to the bank host, and save the deposit The request includes the card number of the contactless smart card, the complete account number of the bank account, the amount of the deposit, and the password of the bank account;

E5. The bank host debits the bank account;

The bank host responds to the bank processor with the result of the deduction;

The bank processor answers the deduction result information to the third-party processor, and the deduction result information includes the deduction execution result, the card number of the contactless smart card, and a part account of the bank account;

E7. The third-party processor receives the information of the deduction result;

The card number of the contactless smart card in the ring request and the binding account corresponding to the bank account part account The value of the e-wallet balance or the electronic passbook balance is added; the business of the deposit is completed.

9. A contactless smart card and method for supporting different bank payment services according to claim 1 and claim 6, wherein said offline consumer service comprises the following steps:

F3. The third-party processor verifies the integrity and validity of the offline consumption record;

F4. The third-party processor reads the card number of the contactless smart card in the offline consumption record;

The part number of the bank account bound to the contactless smart card is found by the card number of the contactless smart card, and the electronic wallet balance value or the electronic passbook balance value of the binding relationship corresponding to the contact account of the contactless smart card and the bank account is depreciated. ;

F6. If a binding account is established on the bank host, the bank processor sends an offline consumption request to the bank host, and the request information includes the card number of the contactless smart card, the complete account number of the bank account, and the consumption amount; The bank host receives the offline consumption request sent by the bank processor; the card number of the contactless smart card in the offline consumption request and the electronic wallet balance value or the electronic passbook balance value of the bound account corresponding to the account of the bank account;

Answering the result information to the bank processor;

10. A contactless smart card and method for supporting different bank payment services according to claim 1, wherein:

The bank account includes a bank master account corresponding to the bank passbook, a bank master account corresponding to the bank magnetic stripe card, and a bank master account corresponding to the bank smart IC card.