CN101587612B - System and method for providing mobile payment through combining non-contact IC card - Google Patents
System and method for providing mobile payment through combining non-contact IC card Download PDFInfo
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- CN101587612B CN101587612B CN2009100832276A CN200910083227A CN101587612B CN 101587612 B CN101587612 B CN 101587612B CN 2009100832276 A CN2009100832276 A CN 2009100832276A CN 200910083227 A CN200910083227 A CN 200910083227A CN 101587612 B CN101587612 B CN 101587612B
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Abstract
The present invention provides a system and a method for providing mobile payment through combining the non-contact IC card. The prior radio frequency identification RFID non-contact IC cards with different frequencies or same frequency is combined to a mobile telephone terminal for settling the problems that the sensing distance of the 13.56MHz non-contact IC card is short and the 2.4GHz non-contact IC card POS card reader is not popular. The non-contact IC card is added to the intelligent card of the mobile telephone terminal for providing the mobile payment service of dual payment card based on the non-contact IC card application program management and control on the intelligent card of the mobile phone, namely the service of using the dual payment card on the POS for consuming and funds transferring.
Description
Technical field
The present invention relates to communication technical field, the system and method for mobile payment particularly is provided by combining non-contact IC card.The present invention is combined on the mobile telephone terminal by the existing wireless radio frequency discrimination RFID contactless IC card similar and different frequency, provides mobile payment service more easily to the mobile phone user.
Background technology
In present IC-card application, the RFID contactless IC card that multiple frequency is arranged, the RFID contactless IC card of the RFID contactless IC card of 13.56MHz antenna and 2.4GHz antenna for example, RFID contactless IC card for the 13.56MHz antenna, if paster is on intelligent mobile phone card (for example SIM card), data channel by SIM card, can provide the OTA short message of described contactless IC card to use or the data application to the mobile phone user, its defective is that the antenna induction distance of 13.56MHz is shorter, is difficult to pass through the battery of mobile phone; RFID contactless IC card for the 2.4GHz antenna, if be integrated on the intelligent mobile phone card (for example SIM card), data channel by SIM card, can provide the OTA short message of described contactless IC card to use or the data application to the mobile phone user, its defective is that the RFID contactless IC card of 2.4GHz antenna has distance of reaction feature far away, but defective is that the application POS of 2.4GHz is less, and the POS of 13.56MHz popularizes.
The English of described OTA is Over-The-Air, being meant air download, is a kind of need not directly contact with intelligent mobile phone card (SIM card, UIM card etc.) or physical connection can communicate with intelligent mobile phone card, the technology that goes up load application and intelligent mobile phone card is managed toward card.
The English name of described POS is Point Of Sales, be meant the payment point of sale terminal, it is a kind of multi-functional terminal end, it is installed in franchised business is unified into network with computing machine with accepting in the site, just can realize that electronic funds transfers accounts automatically, it have support online consumption, inquiry into balance, transfer accounts, function such as reconciliation, use safety, quick, reliable.
The inventor thinks by the RFID contactless IC card of paster 13.56MHz antenna on intelligent mobile phone card, and at the RFID contactless IC card of the back side of described mobile phone paster 13.56MHz antenna, by set up two corresponding relations between the contactless IC card in the remote application system, just can use the payment process of mobile phone through mobile communications network management 13.56 antenna RF ID contactless IC cards.
The inventor thinks by the RFID contactless IC card of integrated 2.4GHz antenna on intelligent mobile phone card, and at the RFID contactless IC card of the back side of described mobile phone paster 13.56MHz antenna, by set up two corresponding relations between the contactless IC card in the remote application system, just can use the payment process of mobile phone through mobile communications network management 13.56 antenna RF ID contactless IC cards.
By the combination of two or more contactless IC card is applied in the mobile telephone terminal, just can overcome existing contactless ic and be stuck in the defective that payment technical field exists, promote of the application of contactless IC card mobile phone in the financial payment field.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, the system and method that mobile payment is provided by combining non-contact IC card is provided, main pattern is: the RFID contactless IC card of paster 13.56MHz antenna on intelligent mobile phone card, and at the RFID contactless IC card of the back side of described mobile phone paster 13.56MHz antenna, by set up two corresponding relations between the contactless IC card in the remote application system, just can use the payment process of mobile phone through mobile communications network management 13.56 antenna RF ID contactless IC cards; The RFID contactless IC card of integrated 2.4GHz antenna on intelligent mobile phone card, and at the RFID contactless IC card of the back side of described mobile phone paster 13.56MHz antenna, by set up two corresponding relations between the contactless IC card in the remote application system, just can use the payment process of mobile phone through mobile communications network management 13.56 antenna RF ID contactless IC cards.
Series technical project of the present invention is as follows:
A kind of mobile telephone terminal with combining non-contact IC card function, it is characterized in that, integrated or pasted contactless IC card on the smart card of described mobile telephone terminal, the user is by the payment function of the mobile payment application management server of the contactless ic card application in the described mobile telephone terminal in the mobile communications network antithesis payment card corresponding with the described contactless IC card identification number of control.
Described antithesis payment card is meant contactless IC card or the magnetic stripe card or the contact IC-card of plug-in or outer subsides.
Described contactless ic card application is meant the OTA application program, or client-side program; Communication mode between described contactless ic card application and the mobile payment application server comprises the OTA short message way, and/or the block data communication mode.
Described mobile payment application server is the Computer Database server, interconnect with mobile communications network, the subscriber information message that is used for contactless IC card subsidiary on the managing mobile phone smart card, set up the identification number of contactless IC card subsidiary on user's intelligent mobile phone card and the corresponding relation between the antithesis payment card identification number, be used for receiving the instruction of the payment function of management that the contactless ic card application of mobile telephone terminal sends or control antithesis payment card, be used for the contactless IC card that sends instruction is carried out authentication, for the contactless IC card that authentication is passed through, carry out described instruction and return the response message of execution result.
Described payment function comprises the payment function of closing antithesis payment card, open the payment function of antithesis payment card, the fund of setting the amount of money of transferring accounts is paid the function of supplementing with money of card account to antithesis, the function of the account balance of inquiry antithesis payment card, the function of the account trading detail of inquiry antithesis payment card.
Described mobile payment application server further connects the bank transaction gateway by data network, is used for setting up and management antithesis payment card account number, sets up the corresponding relation of antithesis payment card number of the account and Bank Account Number; And carry out following process of exchange: when the fund that transferring accounts of receiving that described mobile telephone terminal sends set the amount of money pay to antithesis the card account supplement instruction with money after, transmission is from the Bank Account Number of the antithesis payment card number of the account correspondence fund of the described amount of money bank transaction system under to the instruction of described antithesis payment card number of the account to described Bank Account Number of transferring accounts, if bank transaction system returns Transaction Success, then in described antithesis payment card number of the account remaining sum, increase the fund of the described amount of money, and return the successful respond message of transferring accounts and give described mobile telephone terminal, give described mobile telephone terminal otherwise return the bank card account response message that Sorry, your ticket has not enough value; After the consumption order that receives from the antithesis of bank transaction gateway payment card, if the payment function of described antithesis payment card is opened, and the account balance of described antithesis payment card is not less than the consumption amount of money in the described consumption order, after then in the account of described antithesis payment card, reducing the fund of the described consumption amount of money, return the response message of Transaction Success, otherwise return the unsuccessful response message of transaction; After the instruction of the account balance that receives inquiry antithesis payment card, return the response message of the account balance of described antithesis payment card; After the instruction of the account trading detail that receives inquiry antithesis payment card, return the response message of the account trading detail of described antithesis payment card; After receiving the payment function of opening antithesis payment card, open the payment function of described antithesis payment card, and echo reply message; After receiving the payment function of closing antithesis payment card, close the payment function of described antithesis payment card, and echo reply message.
Described bank transaction gateway and each commercial bank interconnect by data network, interconnect by data network with the POS of trade company, be used for the transaction request of Bank Account Number is sent to the transaction system of the affiliated bank of described Bank Account Number, and a response message of returning is sent to the requesting party; Be used to receive the transaction request message of the bank card account number that the POS of trade company initiates, the transaction request of described bank card account number is sent to the transaction system of the bank under the described Bank Account Number, and the response message that handle returns send to the described POS of trade company; Be used to receive the transaction request message of the antithesis payment card account number that the POS of trade company initiates, described transaction request is sent to the mobile payment application server, and the response message that handle returns send to the described POS of trade company.
Two have the method for carrying out the short range payment between the mobile telephone terminal of combining non-contact IC card function, it is characterized in that, may further comprise the steps:
A. the seller has on the mobile telephone terminal A of combining non-contact IC card function by contactless ic card application input dealing money;
B. the seller's mobile telephone terminal A senses integrated RFID contactless IC card on the buyer's the smart card of the mobile telephone terminal B with combining non-contact IC card function by RFID contactless IC card integrated on its smart card;
C. the contactless ic card application of the seller's mobile telephone terminal A sends to the identification number of the contactless IC card of mobile telephone terminal A and the affirmation message of pointing out the described buyer whether to pay described dealing money the buyer's mobile telephone terminal B;
D. whether the contactless IC card application prompts buyer of the buyer's mobile telephone terminal B finishes the payment process of described dealing money;
If e. the buyer selects not, then the contactless ic card application of mobile telephone terminal B sends to Cancel Transaction and instructs after the mobile telephone terminal A, after the contactless IC card application prompts seller transaction cancellation of mobile telephone terminal A, and execution in step g; If the buyer selects be, then the contactless ic card application of the buyer's the mobile telephone terminal B fund that sends the described dealing money of transferring accounts to the instruction of the antithesis payment card account number of the identification number correspondence of the contactless IC card of mobile telephone terminal A to the mobile payment application server;
F. the mobile payment application server carries out authentication to the buyer's that sends described instruction contactless IC card, if authentication is passed through, and the payment function of the antithesis Payment Card of described contactless IC card identification number correspondence is opened, and the account balance of described antithesis Payment Card is not less than described dealing money, then the mobile payment application server is reduced the fund of described dealing money from described antithesis payment card account, after on the antithesis payment card account number of the identification number correspondence of the contactless IC card of mobile telephone terminal A, increasing the fund of described dealing money, the response message that sends Transaction Success sends Transaction Success message to mobile telephone terminal A to mobile telephone terminal B; Otherwise, send the unsuccessful response message of transaction to mobile telephone terminal B, send the unsuccessful message of transaction to mobile telephone terminal A;
G. closing the transaction.
Mobile telephone terminal with combining non-contact IC card function is directly drawn the method for account, it is characterized in that, may further comprise the steps:
(a) user selects to transfer accounts input dealing money, input purpose Mobile Directory Number having on the mobile telephone terminal C of combining non-contact IC card function by the contactless ic card application;
(b) the contactless ic card application of the described mobile telephone terminal C fund that sends the described dealing money of transferring accounts to the instruction of the antithesis payment card account number of the identification number correspondence of purpose Mobile Directory Number user's contactless IC card to the mobile payment application server;
(c) the mobile payment application server carries out authentication to the user's that sends described instruction contactless IC card, if authentication is passed through, and the payment function of the antithesis Payment Card of described contactless IC card identification number correspondence is opened, and the account balance of described antithesis Payment Card is not less than described dealing money, then the mobile payment application server is reduced the fund of described dealing money from described antithesis payment card account, after on the antithesis payment card account number of the identification number correspondence of purpose Mobile Directory Number user's contactless IC card, increasing the fund of described dealing money, send the response message of successfully transferring accounts to mobile telephone terminal C, send and transfer accounts message informing to purpose Mobile Directory Number user; Otherwise, send the unsuccessful response message of transaction to mobile telephone terminal C;
(d) closing the transaction.
A kind of system that mobile payment is provided by combining non-contact IC card, it is characterized in that, comprise mobile telephone terminal with combining non-contact IC card function, mobile communications network, the mobile payment application server, bank transaction gateway, data network, support the POS of contactless IC card, the transaction system of bank.Described mobile payment application server is the Computer Database server, be used for setting up and management contactless IC card number of the account, set up the identification number of user's contactless IC card and the correspondence table between the antithesis payment card identification number, be used for setting up and management antithesis payment card account number, set up the corresponding relation of antithesis payment card number of the account and Bank Account Number, be used for the contactless IC card that sends instruction is carried out authentication, for the contactless IC card that authentication is passed through, carry out described instruction and return the response message of execution result; Described have the mobile telephone terminal of combining non-contact IC card function by mobile communications network and the interconnection of mobile payment application server, undertaken alternately by contactless ic card application and mobile payment application server, realize the payment function of the antithesis payment card that management is corresponding with the described contactless IC card identification number of control; Described mobile payment application server by data network and bank transaction gateway, support the POS interconnection of contactless IC card, be used to provide the transfer accounts communication process of bank card account number, the transfer accounts communication process of antithesis payment card account number to trade company's number of the account is provided to the antithesis payment card account number; The bank card business dealing gateway is by the transaction system interconnection of data network and each bank, and the transaction system that is used for bank under bank card account number is submitted transfer request to, and receives the response message of transferring accounts.
Technique effect of the present invention is as follows:
The present invention is combined on the mobile telephone terminal by the existing wireless radio frequency discrimination RFID contactless IC card similar and different frequency, solve the near problem of 13.56MHz contactless IC card distance of reaction, and the not universal problem of 2.4GHz contactless IC card POS card reader, contactless IC card is appended on the smart card of mobile telephone terminal, provide mobile payment service, the business of promptly using antithesis payment card (for example 13.56MHz contactless IC card) on POS, to consume and transfer accounts based on the antithesis payment card of contactless IC card application program management on the intelligent mobile phone card and control.
Description of drawings
Fig. 1 is the present invention provides mobile payment by combining non-contact IC card a system architecture synoptic diagram.
Embodiment
Fig. 1 is the system architecture synoptic diagram that mobile payment is provided by combining non-contact IC card, wherein:
Mobile payment application server 100 is by mobile communications network 120 and mobile telephone terminal 110 interconnection with combining non-contact IC card function;
Mobile payment application server 100 adopts TCP/IP to communicate by data network 130 and 140 interconnection of bank transaction gateway, and preferably, communication protocol adopts " interchanger networking United Technologies standard V2.0 " agreement of China Unionpay's issue;
A kind of mobile telephone terminal with combining non-contact IC card function, integrated or pasted contactless IC card on its smart card, the user is by the payment function of the mobile payment application management server 100 of the contactless ic card application in the described mobile telephone terminal in the mobile communications network antithesis payment card corresponding with the described contactless IC card identification number of control.
Described antithesis payment card is meant contactless IC card or the magnetic stripe card or the contact IC-card of plug-in or outer subsides.
Described contactless ic card application is meant the OTA application program, or client-side program.
Communication mode between described contactless ic card application and the mobile payment application server 100 comprises the OTA short message way, and/or the block data communication mode.
Described mobile payment application server 100 is Computer Database servers, with mobile communications network 120 interconnection, the subscriber information message that is used for contactless IC card subsidiary on the managing mobile phone smart card, set up the identification number of contactless IC card subsidiary on user's intelligent mobile phone card and the corresponding relation between the antithesis payment card identification number, be used for receiving the instruction of the payment function of management that the contactless ic card application of mobile telephone terminal sends or control antithesis payment card, be used for the contactless IC card that sends instruction is carried out authentication, for the contactless IC card that authentication is passed through, carry out described instruction and return the response message of execution result.
Described payment function comprises the payment function of closing antithesis payment card, open the payment function of antithesis payment card, the fund of setting the amount of money of transferring accounts is paid the function of supplementing with money of card account to antithesis, the function of the account balance of inquiry antithesis payment card, the function of the account trading detail of inquiry antithesis payment card.
Described mobile payment application server 100 further connects bank transaction gateway 140 by data network 130, is used for setting up and management antithesis payment card account number, sets up the corresponding relation of antithesis payment card number of the account and Bank Account Number; And carry out following process of exchange: when the fund that transferring accounts of receiving that described mobile telephone terminal sends set the amount of money pay to antithesis the card account supplement instruction with money after, transmission is from the Bank Account Number of the antithesis payment card number of the account correspondence fund of the described amount of money bank transaction system 180 under to the instruction of described antithesis payment card number of the account to described Bank Account Number of transferring accounts, if bank transaction system 180 returns Transaction Success, then in described antithesis payment card number of the account remaining sum, increase the fund of the described amount of money, and return the successful respond message of transferring accounts and give described mobile telephone terminal, give described mobile telephone terminal otherwise return the bank card account response message that Sorry, your ticket has not enough value; After the consumption order that receives from the antithesis of bank transaction gateway payment card, if the payment function of described antithesis payment card is opened, and the account balance of described antithesis payment card is not less than the consumption amount of money in the described consumption order, after then in the account of described antithesis payment card, reducing the fund of the described consumption amount of money, return the response message of Transaction Success, otherwise return the unsuccessful response message of transaction; After the instruction of the account balance that receives inquiry antithesis payment card, return the response message of the account balance of described antithesis payment card; After the instruction of the account trading detail that receives inquiry antithesis payment card, return the response message of the account trading detail of described antithesis payment card; After receiving the payment function of opening antithesis payment card, open the payment function of described antithesis payment card, and echo reply message; After receiving the payment function of closing antithesis payment card, close the payment function of described antithesis payment card, and echo reply message.
Described bank transaction gateway 140 interconnects by data network 160 with each commercial bank, interconnect by data network 150 with the POS170 of trade company, be used for the transaction request of Bank Account Number is sent to the transaction system 180 of the affiliated bank of described Bank Account Number, and a response message of returning is sent to the requesting party; Be used to receive the transaction request message of the bank card account number that the POS170 of trade company initiates, the transaction request of described bank card account number is sent to the transaction system 180 of the bank under the described Bank Account Number, and the response message that handle returns send to the described POS170 of trade company; Be used to receive the transaction request message of the antithesis payment card account number that the POS170 of trade company initiates, described transaction request is sent to mobile payment application server 100, and the response message that handle returns send to the described POS170 of trade company.
Two have the method for carrying out the short range payment between the mobile telephone terminal of combining non-contact IC card function, may further comprise the steps:
A. the seller has on the mobile telephone terminal A of combining non-contact IC card function by contactless ic card application input dealing money;
B. the seller's mobile telephone terminal A senses integrated RFID contactless IC card on the buyer's the smart card of the mobile telephone terminal B with combining non-contact IC card function by RFID contactless IC card integrated on its smart card;
C. the contactless ic card application of the seller's mobile telephone terminal A sends to the identification number of the contactless IC card of mobile telephone terminal A and the affirmation message of pointing out the described buyer whether to pay described dealing money the buyer's mobile telephone terminal B;
D. whether the contactless IC card application prompts buyer of the buyer's mobile telephone terminal B finishes the payment process of described dealing money;
If e. the buyer selects not, then the contactless ic card application of mobile telephone terminal B sends to Cancel Transaction and instructs after the mobile telephone terminal A, after the contactless IC card application prompts seller transaction cancellation of mobile telephone terminal A, and execution in step g; If the buyer selects be, then the contactless ic card application of the buyer's the mobile telephone terminal B fund that sends the described dealing money of transferring accounts to the instruction of the antithesis payment card account number of the identification number correspondence of the contactless IC card of mobile telephone terminal A to mobile payment application server 100;
F. 100 pairs of contactless IC cards that send the buyer of described instruction of mobile payment application server carry out authentication, if authentication is passed through, and the payment function of the antithesis Payment Card of described contactless IC card identification number correspondence is opened, and the account balance of described antithesis Payment Card is not less than described dealing money, then mobile payment application server 100 is reduced the fund of described dealing money from described antithesis payment card account, after on the antithesis payment card account number of the identification number correspondence of the contactless IC card of mobile telephone terminal A, increasing the fund of described dealing money, send response message to mobile telephone terminal B, send the money transfer transactions success message to mobile telephone terminal A; Otherwise, send the unsuccessful response message of transaction to mobile telephone terminal B, send the unsuccessful message of money transfer transactions to mobile telephone terminal A;
G. closing the transaction.
Mobile telephone terminal with combining non-contact IC card function is directly drawn the method for account, it is characterized in that, may further comprise the steps:
(a) user selects to transfer accounts input dealing money, input purpose Mobile Directory Number having on the mobile telephone terminal C of combining non-contact IC card function by the contactless ic card application;
(b) the contactless ic card application of the described mobile telephone terminal C fund that sends the described dealing money of transferring accounts to the instruction of the antithesis payment card account number of the identification number correspondence of purpose Mobile Directory Number user's contactless IC card to mobile payment application server 100;
(c) 100 pairs of contactless IC cards that send the user of described instruction of mobile payment application server carry out authentication, if authentication is passed through, and the payment function of the antithesis Payment Card of described contactless IC card identification number correspondence is opened, and the account balance of described antithesis Payment Card is not less than described dealing money, then mobile payment application server 100 is reduced the fund of described dealing money from described antithesis payment card account, after on the antithesis payment card account number of the identification number correspondence of purpose Mobile Directory Number user's contactless IC card, increasing the fund of described dealing money, send the response message of successfully transferring accounts to mobile telephone terminal C, send and transfer accounts message informing to purpose Mobile Directory Number user; Otherwise, send the unsuccessful response message of transaction to mobile telephone terminal C;
(d) closing the transaction.
A kind of system that mobile payment is provided by combining non-contact IC card, comprise mobile telephone terminal 110 with combining non-contact IC card function, mobile communications network 120, mobile payment application server 100, bank transaction gateway 140, data network, the POS170 of trade company of support contactless IC card, the transaction system 180 of bank.Mobile payment application server 100 is Computer Database servers, be used for setting up and management contactless IC card number of the account, set up the identification number of user's contactless IC card and the correspondence table between the antithesis payment card identification number, be used for setting up and management antithesis payment card account number, set up the corresponding relation of antithesis payment card number of the account and Bank Account Number, be used for the contactless IC card that sends instruction is carried out authentication, for the contactless IC card that authentication is passed through, carry out described instruction and return the response message of execution result; Mobile telephone terminal 110 with combining non-contact IC card function is by mobile communications network 120 and 100 interconnection of mobile payment application server, undertaken alternately by contactless ic card application and mobile payment application server 100, realize the payment function of the antithesis payment card that management is corresponding with the described contactless IC card identification number of control; Mobile payment application server 100 is by data network 130 and bank transaction gateway, by data network 150 and the POS170 of the trade company interconnection of supporting contactless IC card, be used to provide the transfer accounts communication process of bank card account number, the transfer accounts communication process of antithesis payment card account number to trade company's number of the account is provided to the antithesis payment card account number; Bank card business dealing gateway 140 is by transaction system 180 interconnection of data network 160 with each bank, and the transaction system that is used for bank under bank card account number is submitted transfer request to, and receives the response message of transferring accounts.
For the ease of further understanding the present invention, be described in detail as follows below in conjunction with specific embodiment:
Preferably, adopt the existing mobile communication intelligent card that adds the contactless payment IC-card, for example RF-SIM, SIMPASS and the mobile communication intelligent card of directly having pasted the IC-card sheet.Described RF-SIM is a kind of near/middle distance wireless communication technology based on SIM card, and this technology is a kind of of NFC wireless near field communication, and the module that it will have the RF radio-frequency enabled is embedded in the SIM card, uses the microwave frequency of 2.4G to carry out data communication; Described SIMpass is a kind of multi-functional SIM card, has merged DI card technique and SIM card technology, supports contact and two working interfaces of noncontact, and contact interface is realized the SIM function, and payment function, compatible a plurality of application of IC cards standards are realized in the noncontact interface.
Preferably, antithesis payment card is the contactless IC card that can paste the 13.56MHz antenna on the mobile telephone terminal.
Preferably, mobile telephone terminal with combining non-contact IC card function is realized by the mobile telephone terminal that the RF-SIM card has been installed, or by the mobile telephone terminal realization that SIMPASS has been installed, or the mobile telephone terminal realization of having pasted the mobile communication intelligent card of IC-card sheet.
Preferably, mobile payment application server 100 is by the payment application of the contactless payment IC-card on the mobile communication intelligence of OTA short message application program management mobile telephone terminal.
Preferably, in the database of mobile payment application server 100, set up the corresponding form of identification number of the contactless IC card of the Mobile Directory Number of mobile telephone terminal and described mobile telephone terminal, when described contactless IC card is carried out telemanagement, by OTA short message application program or WAP PUSH or the realization of instant messaging isotype.
Though it is pointed out that the present invention the function of the transaction system 180 of mobile payment application server 100, bank transaction gateway 140 and bank is described independently, their function can be integrated in an equipment or a plurality of equipment and realize.
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 (9)
1. mobile telephone terminal with combining non-contact IC card function, it is characterized in that, integrated contactless IC card on the smart card of described mobile telephone terminal, the user is by the payment function of the mobile payment application management server of the contactless ic card application in the described mobile telephone terminal in the mobile communications network antithesis Payment Card corresponding with the described contactless IC card identification number of control; Described antithesis Payment Card is meant contactless IC card or the magnetic stripe card or the contact IC-card of plug-in or outer subsides.
2. the mobile telephone terminal with combining non-contact IC card function according to claim 1 is characterized in that, described contactless ic card application is meant the OTA application program, or client-side program; Communication mode between described contactless ic card application and the mobile payment application server comprises the OTA short message way, and/or the block data communication mode.
3. the mobile telephone terminal with combining non-contact IC card function according to claim 1, it is characterized in that, described mobile payment application server is the Computer Database server, interconnect with mobile communications network, the subscriber information message that is used for contactless IC card subsidiary on the managing mobile phone smart card, set up the identification number of contactless IC card subsidiary on user's intelligent mobile phone card and the corresponding relation between the antithesis Payment Card identification number, be used for receiving the instruction of the payment function of management that the contactless ic card application of mobile telephone terminal sends or control antithesis Payment Card, be used for the contactless IC card that sends instruction is carried out authentication, for the contactless IC card that authentication is passed through, carry out described instruction and return the response message of execution result.
4. the mobile telephone terminal with combining non-contact IC card function according to claim 1, it is characterized in that, described payment function comprises the payment function of closing the antithesis Payment Card, open the payment function of antithesis Payment Card, transfer accounts and set the supplement function of the fund of the amount of money to the antithesis payment card account, the function of the account balance of inquiry antithesis Payment Card, the function of the account trading detail of inquiry antithesis Payment Card.
5. the mobile telephone terminal with combining non-contact IC card function according to claim 1, it is characterized in that, described mobile payment application server further connects the bank transaction gateway by data network, be used for setting up and management antithesis payment card account number, set up the corresponding relation of antithesis payment card account number and Bank Account Number; And carry out following process of exchange: when fund that transferring accounts of receiving that described mobile telephone terminal sends set the amount of money to the antithesis payment card account supplement instruction with money after, transmission is from the Bank Account Number of the antithesis payment card account number correspondence fund of the described amount of money bank transaction system under to the instruction of described antithesis payment card account number to described Bank Account Number of transferring accounts, if bank transaction system returns Transaction Success, then in described antithesis payment card account number remaining sum, increase the fund of the described amount of money, and return the successful respond message of transferring accounts and give described mobile telephone terminal, give described mobile telephone terminal otherwise return the bank card account response message that Sorry, your ticket has not enough value; After the consumption order that receives from the antithesis Payment Card of bank transaction gateway, if the payment function of described antithesis Payment Card is opened, and the account balance of described antithesis Payment Card is not less than the consumption amount of money in the described consumption order, after then in the account of described antithesis Payment Card, reducing the fund of the described consumption amount of money, return the response message of Transaction Success, otherwise return the unsuccessful response message of transaction; After the instruction of the account balance that receives inquiry antithesis Payment Card, return the response message of the account balance of described antithesis Payment Card; After the instruction of the account trading detail that receives inquiry antithesis Payment Card, return the response message of the account trading detail of described antithesis Payment Card; After receiving the payment function of opening the antithesis Payment Card, open the payment function of described antithesis Payment Card, and echo reply message; After receiving the payment function of closing the antithesis Payment Card, close the payment function of described antithesis Payment Card, and echo reply message.
6. the mobile telephone terminal with combining non-contact IC card function according to claim 6, it is characterized in that, described bank transaction gateway and each commercial bank interconnect by data network, interconnect by data network with the POS of trade company, be used for the transaction request of Bank Account Number is sent to the transaction system of the affiliated bank of described Bank Account Number, and a response message of returning is sent to the requesting party; Be used to receive the transaction request message of the bank card account number that the POS of trade company initiates, the transaction request of described bank card account number is sent to the transaction system of the bank under the described Bank Account Number, and the response message that handle returns send to the described POS of trade company; Be used to receive the transaction request message of the antithesis payment card account number that the POS of trade company initiates, described transaction request is sent to the mobile payment application server, and the response message that handle returns send to the described POS of trade company.
7. two have the method for carrying out the short range payment between the mobile telephone terminal of combining non-contact IC card function, it is characterized in that, may further comprise the steps:
A. the seller has on the mobile telephone terminal A of combining non-contact IC card function by contactless ic card application input dealing money;
B. the seller's mobile telephone terminal A senses integrated RFID contactless IC card on the buyer's the smart card of the mobile telephone terminal B with combining non-contact IC card function by RFID contactless IC card integrated on its smart card;
C. the contactless ic card application of the seller's mobile telephone terminal A sends to the identification number of the contactless IC card of mobile telephone terminal A and the affirmation message of pointing out the described buyer whether to pay described dealing money the buyer's mobile telephone terminal B;
D. whether the contactless IC card application prompts buyer of the buyer's mobile telephone terminal B finishes the payment process of described dealing money;
If e. the buyer selects not, then the contactless ic card application of mobile telephone terminal B sends to Cancel Transaction and instructs after the mobile telephone terminal A, after the contactless IC card application prompts seller transaction cancellation of mobile telephone terminal A, and execution in step g; If the buyer selects be, then the contactless ic card application of the buyer's the mobile telephone terminal B fund that sends the described dealing money of transferring accounts to the instruction of the antithesis payment card account number of the identification number correspondence of the contactless IC card of mobile telephone terminal A to the mobile payment application server;
F. the mobile payment application server carries out authentication to the buyer's that sends described instruction contactless IC card, if authentication is passed through, and the payment function of the antithesis Payment Card of described contactless IC card identification number correspondence is opened, and the account balance of described antithesis Payment Card is not less than described dealing money, then the mobile payment application server is reduced the fund of described dealing money from described antithesis payment card account, after on the antithesis payment card account number of the identification number correspondence of the contactless IC card of mobile telephone terminal A, increasing the fund of described dealing money, the response message that sends Transaction Success sends Transaction Success message to mobile telephone terminal A to mobile telephone terminal B; Otherwise, send the unsuccessful response message of transaction to mobile telephone terminal B, send the unsuccessful message of transaction to mobile telephone terminal A;
G. closing the transaction.
8. the mobile telephone terminal that has the combining non-contact IC card function is directly drawn the method for account, it is characterized in that, may further comprise the steps:
(a) user selects to transfer accounts input dealing money, input purpose Mobile Directory Number having on the mobile telephone terminal C of combining non-contact IC card function by the contactless ic card application;
(b) the contactless ic card application of the described mobile telephone terminal C fund that sends the described dealing money of transferring accounts to the instruction of the antithesis payment card account number of the identification number correspondence of purpose Mobile Directory Number user's contactless IC card to the mobile payment application server;
(c) the mobile payment application server carries out authentication to the user's that sends described instruction contactless IC card, if authentication is passed through, and the payment function of the antithesis Payment Card of described contactless IC card identification number correspondence is opened, and the account balance of described antithesis Payment Card is not less than described dealing money, then the mobile payment application server is reduced the fund of described dealing money from described antithesis payment card account, after on the antithesis payment card account number of the identification number correspondence of purpose Mobile Directory Number user's contactless IC card, increasing the fund of described dealing money, send the response message of successfully transferring accounts to mobile telephone terminal C, send and transfer accounts message informing to purpose Mobile Directory Number user; Otherwise, send the unsuccessful response message of transaction to mobile telephone terminal C;
(d) closing the transaction.
9. system that mobile payment is provided by combining non-contact IC card, it is characterized in that, comprise mobile telephone terminal with combining non-contact IC card function, mobile communications network, the mobile payment application server, bank transaction gateway, data network, support the POS of contactless IC card, the transaction system of bank; Described mobile payment application server is the Computer Database server, be used for setting up and management contactless IC card number of the account, set up the identification number of user's contactless IC card and the correspondence table between the antithesis Payment Card identification number, be used for setting up and management antithesis payment card account number, set up the corresponding relation of antithesis payment card account number and Bank Account Number, be used for the contactless IC card that sends instruction is carried out authentication, for the contactless IC card that authentication is passed through, carry out described instruction and return the response message of execution result; Described have the mobile telephone terminal of combining non-contact IC card function by mobile communications network and the interconnection of mobile payment application server, undertaken alternately by contactless ic card application and mobile payment application server, realize the payment function of the antithesis Payment Card that management is corresponding with the described contactless IC card identification number of control; Described mobile payment application server by data network and bank transaction gateway, support the POS interconnection of contactless IC card, be used to provide the transfer accounts communication process of bank card account number, the transfer accounts communication process of antithesis payment card account number to trade company's number of the account is provided to the antithesis payment card account number; The bank card business dealing gateway is by the transaction system interconnection of data network and each bank, and the transaction system that is used for bank under bank card account number is submitted transfer request to, and receives the response message of transferring accounts.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN2009100832276A CN101587612B (en) | 2009-04-29 | 2009-04-29 | System and method for providing mobile payment through combining non-contact IC card |
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| Application Number | Priority Date | Filing Date | Title |
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| CN2009100832276A CN101587612B (en) | 2009-04-29 | 2009-04-29 | System and method for providing mobile payment through combining non-contact IC card |
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| Publication Number | Publication Date |
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| CN101587612A CN101587612A (en) | 2009-11-25 |
| CN101587612B true CN101587612B (en) | 2011-09-07 |
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| CN101807261A (en) * | 2010-03-30 | 2010-08-18 | 上海华腾软件系统有限公司 | Device for reading and writing two different types of contactless intelligent cards and reading-writing method thereof |
| CN102214317B (en) * | 2011-05-24 | 2013-08-21 | 刘健哲 | Intelligent card combining NFC (Near Field Communication) and 2.4G double frequency band communication and double frequency band communication system |
| CN102629355B (en) * | 2012-02-27 | 2016-06-01 | 福建联迪商用设备有限公司 | Phone-payment terminal transaction method and phone-payment terminal system |
| CN103679450A (en) * | 2012-09-13 | 2014-03-26 | 卓望数码技术（深圳）有限公司 | Application using method, application using device and corresponding application terminal |
| CN103106578A (en) * | 2012-12-13 | 2013-05-15 | 张德珍 | Mobile internet payment method |
| US10163093B2 (en) * | 2013-09-19 | 2018-12-25 | Casio Computer Co., Ltd. | Information device, mobile device, and wearable information device |
| CN103489028B (en) * | 2013-09-23 | 2017-01-04 | 深圳前海君浩银通科技发展有限公司 | A kind of financial IC card, Multi-protocol communication system and method |
| CN105278943A (en) * | 2014-07-24 | 2016-01-27 | 中国银联股份有限公司 | Deposit method, smart card and remote system |
| US20160307186A1 (en) * | 2015-04-20 | 2016-10-20 | Mastercard International Incorporated | Verification of contactless payment card for provisioning of payment credentials to mobile device |
| KR101790204B1 (en) * | 2015-07-14 | 2017-11-20 | 삼성전자주식회사 | Card registration method for pament service and mobile electronic device implementing the same |
| CN107180347B (en) * | 2016-03-10 | 2021-06-29 | 中兴通讯股份有限公司 | Payment method and device and terminal |
| CN106127462A (en) * | 2016-06-20 | 2016-11-16 | 上海易码信息科技有限公司 | Method of mobile payment under the line of prepaid card account carrier |
| CN106991570A (en) * | 2017-03-24 | 2017-07-28 | 上海掌腾智能科技有限公司 | A kind of quick transaction system that bank card operation is carried out based on vena metacarpea |
| CN107808287A (en) * | 2017-11-21 | 2018-03-16 | 艾体威尔电子技术(北京)有限公司 | A kind of aggregate payment system |
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