CN101201956A - Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof - Google Patents
Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof Download PDFInfo
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- CN101201956A CN101201956A CNA2007103041287A CN200710304128A CN101201956A CN 101201956 A CN101201956 A CN 101201956A CN A2007103041287 A CNA2007103041287 A CN A2007103041287A CN 200710304128 A CN200710304128 A CN 200710304128A CN 101201956 A CN101201956 A CN 101201956A
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Abstract
The invention relates to a system that realizes IC card automatic earmark of an electronic wallet, which consists of a telephone terminal, an automatic earmark POS, a telephone access gateway device, an electronic wallet IC card business center, a bank transaction gateway device and an electronic wallet telephone earmark center, wherein, the telephone access gateway device is connected with the electronic wallet telephone earmark center through a data network, the electronic wallet IC card business center is connected with the electronic wallet telephone earmark center through the data network, and the bank transaction gateway device is connected with the electronic wallet telephone earmark center through the data network. The invention provides a system of the automatic earmark POS and realizing IC card automatic earmark of the electronic wallet and a method thereof. The invention allows a user of a mobile telephone terminal to make pre-earmark to the electronic wallet through the mobile telephone, then earmark can be finished when the pre-earmark electronic wallet is directly swiped on any automatic earmark POS, therefore, the invention has obvious value in the aspects of protecting bank card information of users and being convenient for recharging the electronic wallets of the users.
Description
Technical field
The present invention relates to mobile communication technology field and financial field, particularly a kind ofly deposit POS and realize the system and method that the stored value card IC-card is deposited from moving-coil from moving-coil.
Background technology
In present financial field and E-Payment field, usually adopt stored value card IC-card mode as means of payment, be characterized in that a cash or bank card write the card device through IC and write and deposit in the stored value card IC-card, so there are some defectives, mainly show: one, electronic purse customer need arrive retainer plate and deposit agency to the stored value card gold of depositing cash, and can waste described user's time; Two, save for its stored value card when electronic purse customer needs the third party, and this moment described stored value card not in described third party's hand, and in described electronic purse customer hand the time, described third party has no idea to save etc. for described user; Three, use bank card to enclose when depositing, need the input of bank card relevant information, complicated operation and deposit the situation that card information is stolen in the bank.The inventor thinks: if overcome the defective of above-mentioned stored value card circle survival in moving, to provide convenience to electronic purse customer, safety and supplement service efficiently with money, particularly under the situation that mobile telephone network and computer internet Network are more and more popularized, people also present the trend of rising day by day gradually to safety and convenient and time saving demand.Therefore, satisfying the safety and the convenient circle of people's stored value card and deposit demand, is the scientific research task that the technician faces, and also is the service item that the financial field need provide as early as possible.
Existing computer technology, network technology and mobile communication technology, design that circle after the pre-circle that makes the inventor propose is first deposited is deposited has had possibility that realizes, that is to say to foundation provides the operation system of depositing POS from moving-coil that technical support is provided to electronic purse customer.
Do not retrieve at present the relevant relevant patent documentation of depositing POS from moving-coil as yet.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, provide a kind of and deposit POS and realize the system and method that the stored value card IC-card is deposited from moving-coil, adopt the present invention just can make the user by mobile phone safety and easily the stored value card IC-card is supplemented with money from moving-coil.
The total technical conceive of the present invention is, set up stored value card mobile phone circle and deposit the center, set up the contrast relationship of stored value card IC-card user's stored value card IC-card account and telephone number, Bank Account Number at the described stored value card mobile phone circle center of depositing, and utilize the function such as short message, phonetic dialing, data service of phone, make the user enclose the process of depositing in advance and deposit process from moving-coil by phone.Wherein, the described pre-circle process of depositing is: the circle that stored value card IC-card user sends designated amounts is deposited and is instructed described stored value card mobile phone circle to deposit the center, the described stored value card mobile phone circle center of depositing is verified the telephone number of described phone, if checking is not passed through, the method of user's transacting business of described telephone number is notified at the then described stored value card mobile phone circle center of depositing, if the verification passes, then the telephone number according to described phone retrieves its corresponding stored value card IC-card account and Bank Account Number, the fund that the described stored value card mobile phone circle center of depositing sends the described designated amounts of account transfer is deposited the instruction of stored value card IC-card account at center to the affiliated bank of described bank account to described stored value card mobile phone circle, the described return result of bank, if operate successfully, the then described stored value card mobile phone circle center of depositing notifies its stored value card IC-card of user of described telephone number can deposit the electronic money of the described designated amounts of writing direct on the POS at circle.Wherein, describedly from the moving-coil process of depositing be: stored value card IC-card user is depositing brush stored value card IC-card on the POS from moving-coil, depositing POS from moving-coil sends to deposit from moving-coil and instructs described stored value card mobile phone circle to deposit the center, described stored value card mobile phone circle is deposited the center, and whether inspection has pre-circle to deposit the amount of money according to stored value card IC-card account, if exist, then described pre-circle being deposited the amount of money returns to from moving-coil and deposits POS, describedly deposit the mechanism of POS under described electronic purse card from moving-coil and send circle and deposit the instruction that described pre-circle is deposited the amount of money, and circle is deposited the result send to after described stored value card mobile phone circle deposits the center, point out for this user.
The English full name of described POS is Point of Sale, be meant point of sales terminal, it is a kind of multi-functional terminal end, it is installed in the stored value card IC-card accepts in the site and is unified into network with computing machine, just can realize that electronic funds transfers accounts automatically, it have support that circle is deposited, inquiry into balance and function such as transfer accounts, use safety, quick, reliable.
Technical scheme of the present invention is as follows:
Realize that the stored value card IC-card is from system that moving-coil is deposited, it is characterized in that, comprise telephone terminal, deposit POS from moving-coil, telephone access gateway equipment, stored value card IC-card service center, the bank transaction gateway device, stored value card phone circle is deposited the center, described telephone terminal is by telecommunication path network and telephone access gateway apparatus interconnection, telephone access gateway equipment is deposited hub interconnection by data network and stored value card phone circle, is used to realize that stored value card phone circle deposits the information interaction between center and the telephone terminal; Described stored value card IC-card service center is deposited hub interconnection by data network and stored value card phone circle, is used to realize that stored value card IC-card service center and stored value card phone circle deposit the information interaction between the center; The bank transaction gateway device is deposited hub interconnection by data network and stored value card phone circle, is used to realize transferring accounts between bank account and the stored value card IC-card account; The described stored value card phone circle center of depositing is the Computer Database application server, be used to the telephone subscriber to set up corresponding relation between telephone number, stored value card IC-card account and the Bank Account Number, the realization bank account is transferred accounts to stored value card IC-card account, realizes stored value card IC-card account supplementing with money to the stored value card IC-card; Described telephone terminal is used for the user initiates the instruction that pre-circle deposits designated amounts and deposits the center to described stored value card phone circle, receives described stored value card phone circle and deposits the circle of the stored value card IC-card relevant with this telephone terminal of center transmission and deposit object information; Described stored value card IC-card service center is used for the stored value card IC-card is carried out management of balance and clearing, and the request of depositing of reception circle is also returned circle and deposited the result; Described bank transaction gateway device is used to receive and handle that the described stored value card phone circle center of depositing initiates to the transferring accounts and query manipulation of the bank account of described stored value card IC-card account correspondence, and operating result is returned to described stored value card phone circle deposits the center; Describedly deposit POS from moving-coil and deposit hub interconnection by data network and stored value card IC-card service center, stored value card phone circle, be used to realize deposit information interaction between POS and the stored value card IC-card service center from moving-coil, and realize that depositing POS and stored value card phone circle from moving-coil deposits information interaction between the center, be used to accept the IC-card charging request, send pre-circle and deposit and instruct stored value card phone circle to deposit the center, and finish the process of supplementing with money IC-card according to return results; Described stored value card IC-card service center is meant existing stored value card IC-card service management computer system.
A kind ofly deposit POS from moving-coil, it is characterized in that, built-in or the device or the module of setting up reading and writing IC card of described POS, when the user after its IC-card socket inserts IC-card, it sends to enclose to deposit in advance and instructs stored value card phone circle to deposit the center, if the described stored value card phone circle center of depositing is returned circle and is deposited the amount of money, then deposit the electronic money of the described amount of money to described IC-card circle, and the amount of money of pointing out this user to supplement with money; If the described stored value card phone circle center of depositing is returned and do not had pre-circle and deposit the amount of money, supplement operation again with money after then pointing out this user to use phone to enclose in advance to deposit.
Realize the method that the stored value card IC-card is deposited from moving-coil, it is characterized in that, may further comprise the steps:
In stored value card phone circle is deposited the database at center, offer the user's telephone number account, and this telephone number number of the account and this user's a bank card account and this user's a stored value card IC-card are set up corresponding relation;
When sending pre-circle by telephone terminal, the user deposits after supplementing with money of designated amounts instruct described stored value card phone circle to deposit the center, described stored value card phone circle is deposited the center retrieves its corresponding bank card account and this user according to the telephone number of described telephone terminal stored value card IC-card number of the account, send the transfer of financial resources of described designated amounts is deposited the stored value card IC-card number of the account at center to described stored value card phone circle instruction by the bank transaction gateway device and arrive bank under the described bank account, described bank returns the operating result of transaction, if operation is unsuccessful, the described stored value card phone circle center of depositing is notified described telephone terminal unsuccessful reason, closing the transaction, if operate successfully, it is after the pre-circle of index is deposited record with stored value card IC-card number of the account that the described stored value card phone circle center of depositing produces one, notify the pre-circle of described telephone terminal to be saved as merit, described stored value card IC-card just can be deposited the electronic money of described designated amounts depositing from moving-coil to enclose on the POS;
When the stored value card IC-card encloses on the POS when depositing depositing from moving-coil, describedly deposit POS from moving-coil and send circle and deposit and instruct described stored value card phone circle to deposit the center, described stored value card phone circle is deposited the center and is verified whether exist the pre-circle that is complementary with this circle business of depositing to deposit record according to the number of the account of described stored value card IC-card, if checking is not passed through, then the transaction result that can't carry out is returned to and describedly deposit POS from moving-coil, described from moving-coil deposit POS provide the transaction unsuccessful prompting, otherwise, after the described stored value card phone circle center of depositing is deposited circle in the record and is deposited the amount of money and generate circle and deposit instruction according to the information of described stored value card IC-card and described pre-circle, send to the affiliated stored value card IC-card service center of number of the account of described stored value card IC-card, described stored value card IC-card service center returns the operating result that described circle is deposited transaction, after this operating result is preserved at the described stored value card phone circle center of depositing, this operating result returned to describedly deposit POS from moving-coil, described after moving-coil is deposited POS and handled this transaction results, closing the transaction.
Use is deposited POS from moving-coil and is enclosed the method for operating of depositing, and it is characterized in that, may further comprise the steps:
A. the user selects circle to deposit depositing from moving-coil on the POS;
B. deposit POS prompting user from moving-coil and insert the stored value card IC-card;
C. the user inserts the stored value card IC-card socket of depositing POS from moving-coil;
D. deposit POS prompting recharging result from moving-coil.
Technique effect of the present invention is as follows:
Transaction system by China Unionpay provides the automatically charging for electronic purse business on the basis that has the bank account system now in the present invention; thereby mobile telephone terminal users can be enclosed stored value card in advance by its mobile phone to be deposited; stored value card after pre-circle is deposited is deposited directly to swipe the card on the POS at any automatic circle and can be finished circle and deposit, so the present invention has tangible value at protection user's bank card information safety and convenient user's stored value card aspect supplementing with money.
Description of drawings
Fig. 1 is that the present invention realizes the system architecture synoptic diagram that the stored value card IC-card is deposited from moving-coil.
Fig. 2 is the present invention deposits POS from moving-coil a panel feature subregion synoptic diagram.
Fig. 3 is the system architecture synoptic diagram that the realization stored value card IC-card of the embodiment of the invention one is deposited from moving-coil.
Fig. 4 is the system architecture synoptic diagram that the realization polytype stored value card IC-card of the embodiment of the invention two is deposited from moving-coil.
Embodiment
Fig. 1 is a system architecture synoptic diagram of realizing that the stored value card IC-card is deposited from moving-coil, wherein:
Deposit POS140 from moving-coil and deposit center 100 and stored value card IC-card service center 110 by data network connection stored value card phone circle;
Stored value card phone circle is deposited center 100 by data network and telephone access gateway equipment 130, stored value card IC- card service center 110 and 120 interconnection of bank transaction gateway device;
Preferably, stored value card phone circle is deposited " interchanger networking United Technologies standard V2.0 " agreement that the communication protocol between center 100 and the bank transaction gateway device 120 adopts China Unionpay to issue;
Preferably, stored value card phone circle is deposited " interchanger networking United Technologies standard V2.0 " agreement that the communication protocol between center 100 and the stored value card IC-card service center 110 adopts China Unionpay to issue;
Preferably, stored value card phone circle is deposited center 100 and is deposited " POS of China Unionpay terminal specification " agreement that the communication protocol between the POS140 adopts China Unionpay to issue from moving-coil.
Following is under Fig. 1 system architecture, realizes the method that the stored value card IC-card is deposited from moving-coil, and step comprises:
In stored value card phone circle is deposited the database at center 100, set up the user's telephone number account, and this telephone number number of the account and this user's a bank card account and this user's a stored value card IC-card are set up corresponding relation;
When sending pre-circle by telephone terminal 150, the user deposits after supplementing with money of designated amounts instruct stored value card phone circle to deposit center 100, stored value card phone circle is deposited center 100 retrieves its corresponding bank card account and this user according to the telephone number of telephone terminal 150 stored value card IC-card number of the account, send the transfer of financial resources of described designated amounts is deposited the stored value card IC-card number of the account at center 100 to stored value card phone circle instruction by bank transaction gateway device 120 and arrive bank under the described bank account, described bank returns the operating result of transaction, if operation is unsuccessful, stored value card phone circle is deposited center 100 unsuccessful reason notice telephone terminal 150, closing the transaction, if operate successfully, stored value card phone circle is deposited center 100, and to produce one be after the pre-circle of index is deposited record with stored value card IC-card number of the account, the pre-circle of notice telephone terminal 150 is saved as merit, and the indication user uses its stored value card IC-card to deposit the electronic money of described designated amounts depositing on the POS140 circle from moving-coil;
When the stored value card IC-card encloses on the POS140 when depositing depositing from moving-coil, depositing POS140 from moving-coil sends circle and deposits and instruct stored value card phone circle to deposit center 100, stored value card phone circle is deposited center 100 and is verified whether exist the pre-circle that is complementary with this circle business of depositing to deposit record according to the number of the account of described stored value card IC-card, if checking is not passed through, then the result that can't carry out transaction returns to from moving-coil and deposits POS140, deposit POS140 from moving-coil and provide the unsuccessful prompting of transaction, otherwise, stored value card phone circle is deposited after center 100 deposits circle in the record and deposit the amount of money and generate circle and deposit instruction according to the information of described stored value card IC-card and described pre-circle, send to the affiliated stored value card IC-card service center 110 of number of the account of described stored value card IC-card, stored value card IC-card service center 110 returns the operating result that described circle is deposited transaction, after stored value card phone circle is deposited center 100 these operating results of preservation, this operating result returned to from moving-coil deposit POS140, after moving-coil is deposited POS140 and is handled this transaction results, closing the transaction.
Fig. 2 is a panel feature subregion synoptic diagram of depositing POS from moving-coil, and wherein: display module is used for showing supplements progress and recharging result with money; The IC-card contact region is used for the stored value card IC-card is carried out interactive operation; Data-interface is used to connect stored value card phone circle and deposits center 100.
For the ease of further understanding the present invention, be described in detail below in conjunction with specific embodiment.
Consulting Fig. 3, is the system construction drawing that the realization stored value card IC-card of embodiments of the invention one is deposited from moving-coil, wherein:
Stored value card IC-card service center is the city sub-wallet IC-card service center of switching on, and example in practice is the campus card management server of university, or the Canton All-in-Card service center of Guangzhou etc.;
The bank transaction gateway device is the bank card business dealing main frame 220 of Unionpay's machine room;
Telephone terminal is a mobile phone 250;
Preferably, the request of depositing of the pre-circle of mobile phone 250 is to send pre-circle by short message to deposit the amount of money is deposited center 100 to stored value card phone circle short message access number, this short message sends to Mobile Access Gateway equipment 230 through mobile communications network, and Mobile Access Gateway equipment 230 sends to stored value card phone circle to this short message and deposits center 100;
Preferably, the request of depositing of the pre-circle of mobile phone 250 is to deposit the voice access code additional transactions amount of money at center 100 by dialing stored value card phone circle, this message related to calls sends to Mobile Access Gateway equipment 230 through mobile communications network, and Mobile Access Gateway equipment 210 sends to stored value card phone circle to this message and deposits center 100;
Preferably, the request of depositing of the pre-circle of mobile phone 250 is to enclose in advance by the WAP page that the WAP mode is deposited center 100 through mobile communications network login stored value card phone circle to deposit operation;
Preferably, stored value card phone circle is deposited center 100, and to finish step that pre-circle deposits be that stored value card phone circle is deposited center 100 and deposited the stored value card IC-card number of the account that telephone number in the request message retrieves its corresponding bank card account and this user according to pre-circle, send the transfer of financial resources of described designated amounts is deposited the stored value card IC-card number of the account at center 100 to stored value card phone circle instruction by bank card business dealing main frame 220 and arrive bank under the described bank account, described bank returns the operating result of transaction, if operation is unsuccessful, stored value card phone circle is deposited center 100 and is notified described telephone number user unsuccessful reason, closing the transaction, if operate successfully, stored value card phone circle is deposited center 100, and to produce one be after the pre-circle of index is deposited record with stored value card IC-card number of the account, notify the pre-circle of described telephone number user to be saved as merit, indicate this user to use its stored value card IC-card to deposit the electronic money of described designated amounts depositing on the POS140 circle from moving-coil;
Preferably, stored value card phone circle is deposited center 100 and by short message the user is sent to this user's mobile phone 250 with circle transaction number, the term of validity of depositing;
Preferably, the user brushes bank card by POS270, after input telephone number and the stored value card IC-card number of the account, POS270 sends the order of opening an account through pos interface machine 260 and deposits center 100 to stored value card phone circle, stored value card phone circle is deposited center 100 after the identity of the described bank card of bank card business dealing main frame 220 checkings, set up the corresponding relation of described stored value card IC-card number of the account, telephone number and described Bank Account Number, and return the operating result message of opening an account;
Preferably, the user deposits center 100 voice access codes by dialing stored value card phone circle, gather by Mobile Access Gateway equipment 230 and send stored value card phone circle to after the data such as bank's card number, password, stored value card IC-card number of user's telephone number and its input and deposit center 100, stored value card phone circle is deposited center 100 after the identity of the described bank card of bank card business dealing main frame 220 checkings, set up the corresponding relation of described stored value card IC-card number of the account, Mobile Directory Number and described Bank Account Number, and return the account-opening results messages;
Preferably, the user deposits the pre-circle of center 100 setting up at stored value card phone circle and deposits record and comprise that stored value card IC-card number of the account, circle are deposited the amount of money, pre-circle is deposited field informations such as time, the following is the transaction flow of depositing from moving-coil of the embodiment of the invention one:
When the stored value card IC-card encloses on the POS140 when depositing depositing from moving-coil, depositing POS140 from moving-coil sends circle and deposits and instruct stored value card phone circle to deposit center 100, stored value card phone circle is deposited center 100 and is verified whether exist the pre-circle that is complementary with this circle business of depositing to deposit record according to the number of the account of described stored value card IC-card, if checking is not passed through, then the result that can't carry out transaction returns to from moving-coil and deposits POS140, deposit POS140 from moving-coil and provide the unsuccessful prompting of transaction, otherwise, stored value card phone circle is deposited after center 100 deposits circle in the record and deposit the amount of money and generate circle and deposit instruction according to the information of described stored value card IC-card and described pre-circle, send to the affiliated stored value card IC-card service center 110 of number of the account of described stored value card IC-card, stored value card IC-card service center 110 returns the operating result that described circle is deposited transaction, after stored value card phone circle is deposited center 100 these operating results of preservation, this operating result returned to from moving-coil deposit POS140, after moving-coil is deposited POS140 and is handled this transaction results, closing the transaction.
Consulting Fig. 4, is the system construction drawing that the realization polymorphic type stored value card IC-card of embodiments of the invention two is deposited from moving-coil, wherein:
Have two stored value card IC-card service centers, one is coal gas IC-card service center 210, and another is a bus IC card service center 310;
The bank transaction gateway device is the bank card business dealing main frame 220 of Unionpay's machine room;
Stored value card phone circle is deposited in the database at center 100 one group of telephone number and bank card account number can related a plurality of stored value card IC-cards, and carry out traffic differentiation by the type of stored value card;
Preferably, the request of depositing of the pre-circle of mobile phone 250 is to send pre-circle by short message to deposit the amount of money and pre-circle to deposit type be that the information of gas cards is deposited the short message access number at center 100 to stored value card phone circle, this short message sends to Mobile Access Gateway equipment 230 through mobile communications network, and Mobile Access Gateway equipment 230 sends to stored value card phone circle to this short message and deposits center 100;
Preferably, stored value card phone circle is deposited center 100, and to finish step that pre-circle deposits be that stored value card phone circle is deposited telephone number and the pre-circle deposited in the request message according to pre-circle at center 100 and deposited the gas cards number of the account that type retrieves its corresponding bank card account and this user, send the transfer of financial resources of described designated amounts is deposited the gas cards number of the account at center 100 to stored value card phone circle instruction by bank card business dealing main frame 220 and arrive bank under the described bank account, described bank returns the operating result of transaction, if operation is unsuccessful, stored value card phone circle is deposited center 100 and is notified described telephone number user unsuccessful reason, closing the transaction, if operate successfully, stored value card phone circle is deposited center 100, and to produce one be after the pre-circle of index is deposited record with the gas cards number of the account, notify the pre-circle of described telephone number user to be saved as merit, indicate this user to use its gas cards to deposit the electronic money of described designated amounts depositing on the POS140 circle from moving-coil;
The following is the transaction flow of depositing from moving-coil of the embodiment of the invention two:
When the coal gas IC-card encloses on the POS140 when depositing depositing from moving-coil, depositing POS140 from moving-coil sends circle and deposits and instruct stored value card phone circle to deposit center 100, stored value card phone circle is deposited center 100 and is verified whether exist the pre-circle that is complementary with this circle business of depositing to deposit record according to the number of the account of described coal gas IC-card, if checking is not passed through, then the result that can't carry out transaction returns to from moving-coil and deposits POS140, deposit POS140 from moving-coil and provide the unsuccessful prompting of transaction, otherwise, stored value card phone circle is deposited after center 100 deposits circle in the record and deposit the amount of money and generate circle and deposit instruction according to the information of described coal gas IC-card and described pre-circle, send to the affiliated coal gas IC-card service center 210 of number of the account of described coal gas IC-card, coal gas IC-card service center 210 returns the operating result that described circle is deposited transaction, after stored value card phone circle is deposited center 100 these operating results of preservation, this operating result returned to from moving-coil deposit POS140, after moving-coil is deposited POS140 and is handled this transaction results, closing the transaction.
Above-described example only is a preferred implementation of the present invention; should be pointed out that for those skilled in the art, under the prerequisite that does not break away from the principle of the invention; can also make some improvements and modifications, these improvements and modifications also should be considered as protection scope of the present invention.
Claims (4)
1. realize that the stored value card IC-card is from system that moving-coil is deposited, it is characterized in that, comprise telephone terminal, deposit POS from moving-coil, telephone access gateway equipment, stored value card IC-card service center, the bank transaction gateway device, stored value card phone circle is deposited the center, described telephone terminal is by telecommunication path network and telephone access gateway apparatus interconnection, telephone access gateway equipment is deposited hub interconnection by data network and stored value card phone circle, is used to realize that stored value card phone circle deposits the information interaction between center and the telephone terminal; Described stored value card IC-card service center is deposited hub interconnection by data network and stored value card phone circle, is used to realize that stored value card IC-card service center and stored value card phone circle deposit the information interaction between the center; The bank transaction gateway device is deposited hub interconnection by data network and stored value card phone circle, is used to realize transferring accounts between bank account and the stored value card IC-card account; The described stored value card phone circle center of depositing is the Computer Database application server, be used to the telephone subscriber to set up corresponding relation between telephone number, stored value card IC-card account and the Bank Account Number, the realization bank account is transferred accounts to stored value card IC-card account, realizes stored value card IC-card account supplementing with money to the stored value card IC-card; Described telephone terminal is used for the user initiates the instruction that pre-circle deposits designated amounts and deposits the center to described stored value card phone circle, receives described stored value card phone circle and deposits the circle of the stored value card IC-card relevant with this telephone terminal of center transmission and deposit object information; Described stored value card IC-card service center is used for the stored value card IC-card is carried out management of balance and clearing, and the request of depositing of reception circle is also returned circle and deposited the result; Described bank transaction gateway device is used to receive and handle that the described stored value card phone circle center of depositing initiates to the transferring accounts and query manipulation of the bank account of described stored value card IC-card account correspondence, and operating result is returned to described stored value card phone circle deposits the center; Describedly deposit POS from moving-coil and deposit hub interconnection by data network and stored value card IC-card service center, stored value card phone circle, be used to realize deposit information interaction between POS and the stored value card IC-card service center from moving-coil, and realize that depositing POS and stored value card phone circle from moving-coil deposits information interaction between the center, be used to accept the IC-card charging request, send pre-circle and deposit and instruct stored value card phone circle to deposit the center, and finish the process of supplementing with money IC-card according to return results; Described stored value card IC-card service center is meant existing stored value card IC-card service management computer system.
2. deposit POS from moving-coil for one kind, it is characterized in that, built-in or the device or the module of setting up reading and writing IC card of described POS, when the user after its IC-card socket inserts IC-card, it sends to enclose to deposit in advance and instructs stored value card phone circle to deposit the center, if the described stored value card phone circle center of depositing is returned circle and is deposited the amount of money, then deposit the electronic money of the described amount of money to described IC-card circle, and the amount of money of pointing out this user to supplement with money; If the described stored value card phone circle center of depositing is returned and do not had pre-circle and deposit the amount of money, supplement operation again with money after then pointing out this user to use phone to enclose in advance to deposit.
3. realize the method that the stored value card IC-card is deposited from moving-coil, it is characterized in that, may further comprise the steps:
In stored value card phone circle is deposited the database at center, offer the user's telephone number account, and this telephone number number of the account and this user's a bank card account and this user's a stored value card IC-card are set up corresponding relation;
When sending pre-circle by telephone terminal, the user deposits after supplementing with money of designated amounts instruct described stored value card phone circle to deposit the center, described stored value card phone circle is deposited the center retrieves its corresponding bank card account and this user according to the telephone number of described telephone terminal stored value card IC-card number of the account, send the transfer of financial resources of described designated amounts is deposited the stored value card IC-card number of the account at center to described stored value card phone circle instruction by the bank transaction gateway device and arrive bank under the described bank account, described bank returns the operating result of transaction, if operation is unsuccessful, the described stored value card phone circle center of depositing is notified described telephone terminal unsuccessful reason, closing the transaction, if operate successfully, it is after the pre-circle of index is deposited record with stored value card IC-card number of the account that the described stored value card phone circle center of depositing produces one, notify the pre-circle of described telephone terminal to be saved as merit, described stored value card IC-card just can be deposited the electronic money of described designated amounts depositing from moving-coil to enclose on the POS;
When the stored value card IC-card encloses on the POS when depositing depositing from moving-coil, describedly deposit POS from moving-coil and send circle and deposit and instruct described stored value card phone circle to deposit the center, described stored value card phone circle is deposited the center and is verified whether exist the pre-circle that is complementary with this circle business of depositing to deposit record according to the number of the account of described stored value card IC-card, if checking is not passed through, then the transaction result that can't carry out is returned to and describedly deposit POS from moving-coil, described from moving-coil deposit POS provide the transaction unsuccessful prompting, otherwise, after the described stored value card phone circle center of depositing is deposited circle in the record and is deposited the amount of money and generate circle and deposit instruction according to the information of described stored value card IC-card and described pre-circle, send to the affiliated stored value card IC-card service center of number of the account of described stored value card IC-card, described stored value card IC-card service center returns the operating result that described circle is deposited transaction, after this operating result is preserved at the described stored value card phone circle center of depositing, this operating result returned to describedly deposit POS from moving-coil, described after moving-coil is deposited POS and handled this transaction results, closing the transaction.
4. use is deposited POS from moving-coil and is enclosed the method for operating of depositing, and it is characterized in that, may further comprise the steps:
A. the user selects circle to deposit depositing from moving-coil on the POS;
B. deposit POS prompting user from moving-coil and insert the stored value card IC-card;
C. the user inserts the stored value card IC-card socket of depositing POS from moving-coil;
D. deposit POS prompting recharging result from moving-coil.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007103041287A CN101201956A (en) | 2007-12-25 | 2007-12-25 | Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007103041287A CN101201956A (en) | 2007-12-25 | 2007-12-25 | Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101201956A true CN101201956A (en) | 2008-06-18 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007103041287A Pending CN101201956A (en) | 2007-12-25 | 2007-12-25 | Automatic authentication POS and system for implementing electronic purse IC card automatic authentication as well as method thereof |
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| Country | Link |
|---|---|
| CN (1) | CN101201956A (en) |
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| CN101908254A (en) * | 2010-08-23 | 2010-12-08 | 邓斌涛 | Intelligent card transaction platform, system and method |
| CN101587612B (en) * | 2009-04-29 | 2011-09-07 | 候万春 | System and method for providing mobile payment through combining non-contact IC card |
| CN103258387A (en) * | 2012-02-15 | 2013-08-21 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| CN101393672B (en) * | 2008-10-28 | 2013-08-28 | 侯万春 | Space self-help transference system and method for mobile phone electronic purse customer |
| CN104574530A (en) * | 2014-01-28 | 2015-04-29 | 深圳市金溢科技股份有限公司 | Method and system for recharging OBU through mobile terminal as well as mobile terminal and OBU |
| CN104637195A (en) * | 2013-11-12 | 2015-05-20 | 中国银联股份有限公司 | E-cash off-line transfer method and system of IC (integrated circuit) card |
| CN106846664A (en) * | 2016-12-28 | 2017-06-13 | 广州智慧城市发展研究院 | A kind of financial IC card circle deposits circle and puies forward test system |
| WO2019033994A1 (en) * | 2017-08-16 | 2019-02-21 | 阿里巴巴集团控股有限公司 | Method and device for account creation, account refilling and data synchronization |
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- 2007-12-25 CN CNA2007103041287A patent/CN101201956A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN101393672B (en) * | 2008-10-28 | 2013-08-28 | 侯万春 | Space self-help transference system and method for mobile phone electronic purse customer |
| CN101587612B (en) * | 2009-04-29 | 2011-09-07 | 候万春 | System and method for providing mobile payment through combining non-contact IC card |
| CN101908254A (en) * | 2010-08-23 | 2010-12-08 | 邓斌涛 | Intelligent card transaction platform, system and method |
| CN101908254B (en) * | 2010-08-23 | 2013-07-24 | 邓斌涛 | Intelligent card transaction platform, system and method |
| CN103258387A (en) * | 2012-02-15 | 2013-08-21 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| CN103258387B (en) * | 2012-02-15 | 2015-07-15 | 中国银联股份有限公司 | Method and system for swiping and loading card by bank card |
| CN104637195A (en) * | 2013-11-12 | 2015-05-20 | 中国银联股份有限公司 | E-cash off-line transfer method and system of IC (integrated circuit) card |
| WO2015070730A1 (en) * | 2013-11-12 | 2015-05-21 | 中国银联股份有限公司 | Offline loading method and system for electronic cash of ic card |
| CN104574530A (en) * | 2014-01-28 | 2015-04-29 | 深圳市金溢科技股份有限公司 | Method and system for recharging OBU through mobile terminal as well as mobile terminal and OBU |
| CN106846664A (en) * | 2016-12-28 | 2017-06-13 | 广州智慧城市发展研究院 | A kind of financial IC card circle deposits circle and puies forward test system |
| WO2019033994A1 (en) * | 2017-08-16 | 2019-02-21 | 阿里巴巴集团控股有限公司 | Method and device for account creation, account refilling and data synchronization |
| US10902412B2 (en) | 2017-08-16 | 2021-01-26 | Advanced New Technologies Co., Ltd. | Method and device for account creation, account refilling and data synchronization |
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