CN101093592A - Off line value stored type gathering and paying method by hand held mobile device based on public network - Google Patents
Off line value stored type gathering and paying method by hand held mobile device based on public network Download PDFInfo
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- CN101093592A CN101093592A CNA2006100279354A CN200610027935A CN101093592A CN 101093592 A CN101093592 A CN 101093592A CN A2006100279354 A CNA2006100279354 A CN A2006100279354A CN 200610027935 A CN200610027935 A CN 200610027935A CN 101093592 A CN101093592 A CN 101093592A
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Abstract
A money collecting and paying method of off-line money-stored hand mobile device based on public network includes registering user status then carrying out transaction, using registered cipher to switch on transaction background transaction software for making payment, connecting two parties and using VNVTB to fetch user information and account balance from VNVTC then deducting /returning money when it is confirmed by both partied that the other party is device to carry out transaction, writing transaction information in client VNVTC and writing money collected amount and transaction information in computer databank after payment is deducted by VNVTB.
Description
Technical field
The present invention relates to a kind of gathering and paying method that utilizes network to conclude the business, particularly relate to a kind of off-line value stored type gathering and paying method by hand held mobile device based on public network.
Background technology
Present electronic payment means mainly concentrate on third party's payment of Internet network, as Alipay, fast money etc.This modes of payments payment time is very long, generally needs several days time.Usable range is confined to shopping at network.And the radio-frequency (RF) IC card as the public transport card need go to special place to supplement with money with special instrument, can't reimbursement, and also store transaction information is less.This radio-frequency (RF) IC card is stolen distorting and loss of information easily, do not need payment cipher during payment, lacks safety guarantee.
Summary of the invention
The technical problem to be solved in the present invention provides a kind of off-line value stored type gathering and paying method by hand held mobile device based on public network, and it can realize quick payment, information encryption, and identity validation, information security is reliable.
For solving the problems of the technologies described above, the present invention is based on the off-line value stored type gathering and paying method by hand held mobile device of public network, be to adopt following technical scheme to realize:
At first, carry out customer identity registration; Conclude the business then---enforcement bank settlement;
Described process of concluding the business is, businessman utilizes cashier to send the amount of money that need collect to VNVTB (VNVtransaction Box VNV conclude the business box), and then, VNVTB is in waiting status;
When the user pays the bill with handheld mobile device, need open transaction backstage transaction software with registered trading password; When user's the handheld mobile device that has VNVTC (VNV Transaction Chip VNV conclude the business chip) touched the trading post of VNVTB, both sides were in connection status; When both sides confirmed that the other side is the equipment that can conclude the business, VNVTB reduced/reimbursement read user profile and account balance from user's VNVTC after, then, remaining sum and the identity code of oneself and Transaction Information was write among client's the VNVTC; VNVTB is anchored to identity code and the Transaction Information that writes collection amount and VNVTC behind the money to the computer data on transaction backstage;
User's the handheld mobile device that has VNVTC writes down transaction content after transaction is finished, then with transaction background server clearance.
Described process of carrying out customer identity registration is: the number of the account that user, handheld mobile device, transaction backstage provide is bound, produce unique identity code; The debit card number of the account of bank's debit card that user's transaction backstage number of the account and user provided, credit card, businessman binding simultaneously; For producing unique identity code in that transaction backstage registered businessman is same, and the Bank Account Number binding that this identity code and this businessman are provided; The user need import trading password and payment cipher on the transaction background server after registration finishes.
The present invention utilizes handheld mobile device user such as real name mobile phone and number corresponding one by one, and utilizes the high arithmetic speed of mobile phone, high capacity storage, but radio communication, and the noncontact of radio-frequency technique can be transmitted the characteristics of information fast; The managerial ability of the large server on transaction backstage can well solve wireless supplementing with money, payment fast, information encryption, identity validation, problems such as the safe storage of information.Its beneficial effect is:
1, can utilize handheld mobile device such as mobile phone to supplement with money easily, quick, safety.
2, keep the convenient and swift of original transaction, but safer; Be not afraid of loss, lose the back data and be retained in the silver merchant telecommunications databases, can not cause and lose the consequence (the mobile phone cost is not considered) that card just loses money.
3, system of real name transaction, by trading password, payment cipher guarantees that the dealer is the authenticity of handheld mobile device user identity, can not cause and lose the stolen consequence in back.
Description of drawings
The present invention is further detailed explanation below in conjunction with accompanying drawing and embodiment:
Fig. 1 is the control flow chart that businessman uses VNVTB to conclude the business and collect money among the present invention;
Fig. 2 is the control flow chart that the user uses handheld mobile device to conclude the business and pay the bill among the present invention;
Fig. 3 is the interface synoptic diagram when using the handheld mobile device payment among the present invention;
Fig. 4 is the display interface synoptic diagram when handheld mobile device is supplemented with money among the present invention.
Embodiment
Handheld mobile device described in the present invention (being the hand-held mobile electronic device)----comprises that mobile phone, PDA (portable data assistance), CDMA, 3G etc. can communicate by public wireless network, and can obtain the various miniaturized electronicss of unique communicating number by the system of real name registration.
Transaction backstage----can provide the user clearance of networking, store transaction information, and it can be the transaction backstage that bank provides, and also can be third party's payment platforms such as " silver the merchant believe ".
The present invention is based on the off-line value stored type gathering and paying method by hand held mobile device of public network, utilize the user of real name handheld mobile device and number characteristics one to one, the number of the account (being identity code) that user, handheld mobile device, transaction backstage provide is bound the debit card number of the account of bank's debit card that user's identity code and user provided, credit card, businessman binding simultaneously.To producing unique identity code in that transaction backstage registered businessman is same, and the Bank Account Number binding that this identity code and this businessman are provided.The user need reserve trading password and payment cipher on the transaction background server after registration finishes.The proprietary software trading password that is stayed that the user needs the download transactions backstage to provide when using for the first time utilizes the transaction software of downloading to activate this software license on the transaction background server.
As shown in Figure 1, businessman at first uses trading password to open VNVTB before using VNVTB; VNVTB is in transaction backstage registration (online) or initialization (off-line).Then, the amount of money that businessman need collect in the VNVTB input, VNVTB promptly is in waiting status, waits for that the client uses the handheld mobile device that has VNVTC to carry out trade confirmation (step S110).
When the user touched the VNVTB trading post with the handheld mobile device trading post, both sides' equipment began to confirm whether the other side is specialized equipment (step S111).
If the result who judges is not a specialized equipment, then carry out audible alarm (step S112).
If the result who judges is the specialized equipment of coupling, then VNVTB goes up the remaining sum of using public keys to encrypt with user's VNVTC and reads, and deducts dealing money after using identical public keys deciphering, re-uses same public keys encryption (step S113).
Then, VNVTB generates unique trading password, and this trading password was stored on the VNVTC (step S114) together with the new balance after encrypting and time and own identity code.
VNVTB has two kinds of mode of operations: off-line mode, line model.
Described off-line mode is meant the different transaction of VNVTB backstage networking, and clear on the backstage of need regularly going to conclude the business.At this moment, VNVTB reads after the encryption remaining sum of oneself is used the public keys deciphering, again encrypt storage (the process network storage is in the storer of transaction background server or VNVTB oneself) with public keys after adding dealing money, together as the trading password that also has of flowing water storage, date, time, the identity codes of transaction content and handheld mobile device etc. are in order to remove to conclude the business backstage clearance (step S117) in the future.
Described line model is meant that VNVTB need be prior to using after the networking registration of transaction backstage.At this moment VNVTB need use from the transaction background data base and read the remaining sum of being encrypted by public keys, uses identical public keys deciphering then, uses same public keys to encrypt in the computer data that is stored in the transaction backstage behind the adding dealing money.Cun Chu the identity code that also has unique trading password and date, time and Transaction Information and handheld mobile device is as flowing water (step S115) simultaneously.
Described off-line mode, VNVTB also will be stored in Transaction Information except the calculating of handling some encryptions, deciphering on certain medium so that remove to conclude the business the backstage clearance in the future.This pattern is applicable to roving occasions such as bus Fare Collection System, taxi Fare Collection System.
Described line model does not need VNVTB storage relevant information, and VNVTB just carries out transmission information and some calculating of encrypting, deciphering.This pattern is applicable to relatively more fixing places, consumption place such as the Fare Collection System in subway station Fare Collection System, shop.
When Transaction Success, VNVTB represents Transaction Success (step S118) with auditory tone cues.
As shown in Figure 2, when the user paid the bill at needs, the proprietary software that must use trading password to open the transaction backstage in the handheld mobile device provides was determined client identity.Then, choose the relevant option (step S210) of off-line.When the client paid the bill, the interface synoptic diagram of use handheld mobile device as shown in Figure 3.
With the close VNVTC trading post (step S211) of handheld mobile device trading post.
Both sides' equipment begins to confirm whether the other side is specialized equipment (step S212), if the result who judges is not a specialized equipment, then carries out audible alarm.
If the result who judges is a specialized equipment, VNVTC after receiving the VNVTB canned data with these information stores in the VNVTC chip, or the option by software is stored on the storage medium of handheld mobile device (step S213).
When the amount of money of user's handheld mobile device is paid inadequately, need supplement with money.Off-line type Stored Value transaction system both can have been supplemented with money also can return the remaining amount of money in the handheld mobile device when not required.The user selects to supplement with money option (display interface when handheld mobile device is supplemented with money as shown in Figure 4) when supplementing with money.Enter supplement the interface with money after, input needs recharge amount and payment cipher and confirms.With password, the amount of money with secret key encryption after together with the client identity identification code together be sent to the transaction backstage (step S214).
The user confirms to deliver to transaction backstage (step S215) together with identity code after back payment cipher, recharge amount are by secret key encryption.
Transaction is sent to successful information on client's the handheld mobile device after the background process by the SP SMS platform, then, the numeral of recharge amount is added in the remaining sum of this handheld mobile device (step S216) immediately.So far, type handhold mobile equipment is supplemented with money and is finished.
The reimbursement control procedure of returning the remaining amount of money in the handheld mobile device is a (see figure 2):
The user will supplement remaining sum with money when being fed back into the number of the account on transaction backstage oneself on the handheld mobile device if desired, only needs input to need the amount of money (must less than last remaining sum in the mobile device) the affirmation reimbursement of reimbursement to get final product (step S217).Handheld mobile device will be sent to the transaction background server after will needing the amount of money of reimbursement to encrypt, and simultaneously, handheld mobile device deducts this amount of money from remaining sum, then this time transaction will be stored in as flowing water in oneself the storer (step S218).After the transaction backstage receives that the user asks, refund amount is existed in user's corresponding account number.Again information is sent on client's the handheld mobile device by the SP SMS platform.If transaction is unsuccessful, handheld mobile device is returned to remaining sum with refund amount automatically.If handheld mobile device is not received from the message on transaction backstage (success or unsuccessful), will keep this operating result (user can rely on flowing water to go to the inquiry of transaction backstage if having problems).
In off-line value stored type trade mode, the process of exchange of user and businessman and VNV (associating is many wins) backstage transaction system is that clearance carries out other business processing more earlier.
Claims (9)
1, a kind of off-line value stored type gathering and paying method by hand held mobile device based on public network is characterized in that: at first, carry out customer identity registration; Conclude the business then---enforcement bank settlement;
Described process of concluding the business is, the amount of money that businessman need collect to the VNVTB input, and then, VNVTB is in waiting status;
When the user pays the bill with handheld mobile device, need open transaction backstage transaction software with registered trading password; When user's the handheld mobile device that has VNVTC touched the trading post of VNVTB, both sides were in connection status; When both sides confirmed that the other side is the equipment that can conclude the business, VNVTB reduced/reimbursement read user profile and account balance from user's VNVTC after, then, remaining sum and the identity code of oneself and Transaction Information was write among client's the VNVTC; VNVTB is anchored to identity code and the Transaction Information that writes collection amount and VNVTC behind the money to the computer data on transaction backstage;
User's the handheld mobile device that has VNVTC writes down transaction content after transaction is finished.
2, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 is characterized in that:
Described process of carrying out customer identity registration is: the number of the account that user, handheld mobile device, transaction backstage provide is bound, produce unique identity code; The debit card number of the account of bank's debit card that user's transaction backstage number of the account and user provided, credit card, businessman binding simultaneously; For producing unique identity code in that transaction backstage registered businessman is same, and the Bank Account Number binding that this identity code and this businessman are provided; The user need import trading password and payment cipher on the transaction background server after registration finishes.
3, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 or 2, it is characterized in that: the proprietary software trading password that is stayed that the user needs the download transactions backstage to provide when using handheld mobile device to conclude the business for the first time, utilize the transaction software of downloading to activate this software license on the transaction background server.
4, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 or 2, it is characterized in that: businessman both can with transaction background server online clearance, clear with the transaction backstage together after also can storing certain information.
5, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 or 2 is characterized in that: the process of exchange of user and businessman and VNV backstage transaction system is that clearance carries out other business processing more earlier.
6, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 or 2 is characterized in that: when the amount of money of user's handheld mobile device is paid inadequately, need supplement with money; The user selects to supplement option with money when supplementing with money, enter supplement the interface with money after, input needs recharge amount and payment cipher and confirms, password, the amount of money together are sent to the transaction backstage together with the client identity identification code after with secret key encryption;
The user confirms to deliver to the transaction backstage together with identity code after back payment cipher, recharge amount are by secret key encryption;
After the transaction background process successful information is sent to by the SP SMS platform on client's the handheld mobile device, then, the numeral of recharge amount is added in the remaining sum of this handheld mobile device immediately.
7, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 or 2 is characterized in that: when both sides confirm that the other side is not the equipment that can conclude the business, carry out audible alarm.
8, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 1 or 2, it is characterized in that: the control procedure of described reimbursement is, handheld mobile device will be sent to the transaction background server after will needing the amount of money of reimbursement to encrypt, simultaneously, handheld mobile device deducts this amount of money from remaining sum, then this time transaction is stored in the storer of oneself as flowing water; After the transaction backstage receives that the user asks, refund amount is existed in user's corresponding account number; Again information is sent on client's the handheld mobile device by the SP SMS platform.
9, the off-line value stored type gathering and paying method by hand held mobile device based on public network as claimed in claim 8 is characterized in that: if transaction is unsuccessful, handheld mobile device is returned to remaining sum with refund amount automatically; If handheld mobile device is not received from the message on transaction backstage, will be kept this operating result.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006100279354A CN101093592A (en) | 2006-06-21 | 2006-06-21 | Off line value stored type gathering and paying method by hand held mobile device based on public network |
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| Application Number | Priority Date | Filing Date | Title |
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| CNA2006100279354A CN101093592A (en) | 2006-06-21 | 2006-06-21 | Off line value stored type gathering and paying method by hand held mobile device based on public network |
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| CN101093592A true CN101093592A (en) | 2007-12-26 |
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| CNA2006100279354A Pending CN101093592A (en) | 2006-06-21 | 2006-06-21 | Off line value stored type gathering and paying method by hand held mobile device based on public network |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN103069446A (en) * | 2011-07-27 | 2013-04-24 | 网银国际股份有限公司 | Mobile device pay method |
| CN103827904A (en) * | 2011-07-28 | 2014-05-28 | Upc咨询有限公司 | Offline transaction |
| CN104680367A (en) * | 2015-03-25 | 2015-06-03 | 烟台威尔数据系统有限公司 | Off-line payment realizing method based on electronic wallet synchronous on-line consumption system |
| CN107808323A (en) * | 2012-03-02 | 2018-03-16 | 谷歌有限责任公司 | The method and system of content purchase |
-
2006
- 2006-06-21 CN CNA2006100279354A patent/CN101093592A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103069446A (en) * | 2011-07-27 | 2013-04-24 | 网银国际股份有限公司 | Mobile device pay method |
| CN103827904A (en) * | 2011-07-28 | 2014-05-28 | Upc咨询有限公司 | Offline transaction |
| CN102610043A (en) * | 2012-02-09 | 2012-07-25 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN102610043B (en) * | 2012-02-09 | 2015-06-24 | 于梦媛 | Mobile terminal with virtual card-swiping function |
| CN107808323A (en) * | 2012-03-02 | 2018-03-16 | 谷歌有限责任公司 | The method and system of content purchase |
| CN107808323B (en) * | 2012-03-02 | 2021-05-28 | 谷歌有限责任公司 | Method and system for content purchase |
| CN104680367A (en) * | 2015-03-25 | 2015-06-03 | 烟台威尔数据系统有限公司 | Off-line payment realizing method based on electronic wallet synchronous on-line consumption system |
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