CN101702255A - POS providing additional earmark service for electronic purse in transaction and method - Google Patents
POS providing additional earmark service for electronic purse in transaction and method Download PDFInfo
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- CN101702255A CN101702255A CN200910236410A CN200910236410A CN101702255A CN 101702255 A CN101702255 A CN 101702255A CN 200910236410 A CN200910236410 A CN 200910236410A CN 200910236410 A CN200910236410 A CN 200910236410A CN 101702255 A CN101702255 A CN 101702255A
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Abstract
The invention relates to a POS providing an additional earmark service for an electronic purse in a transaction and a method, which can ensure that users can recharge the electronic purses at an internetwork electronic purse recharge server through on-line banks or service places. When the recharged electronic purses consume on the POS, the POS can earmark recharge money to the electronic purses, realize the separation of the recharge and the earmark, solve the problem that electronic purse users earmark on site, realize the remote earmark of the electronic purses, and ensure that the electronic purse users are free from getting to electronic purse earmark service places and people can recharge the electronic purses by means of internet, client, short messages and the like anytime and anywhere; when the electronic purses consume or pay or inquire on the POS, the recharge money can be automatically earmarked to the electronic purses; in addition, the invention also provides a function for identifying the electronic purses on line, thereby providing a loss reporting service for the electronic purse users.
Description
Technical field
The present invention relates to network communications technology field, particularly a kind of POS and method that provides additional turns to deposit service to the stored value card in the transaction.Described stored value card is meant IC-card with offline electronic payment function, RFID non-contact card etc.
Background technology
In present network service and offline electronic payment field, the life of popularizing to people of stored value card has brought convenience, but defective is as follows: 1, the electronic purse customer stored value card circle that need arrive appointment is deposited service point and is deposited or supplement with money for the stored value card circle, especially for the household or friend's the stored value card circle people that deposits or supplement with money that want for oneself, must hold and to enclose the stored value card of depositing to deposit service point to the stored value card circle of appointment be that described stored value card circle is deposited; 2, when the user uses the stored value card payment,, then need user elder generation de-electromation wallet circle to deposit service point its stored value card is supplemented with money if electronic purse balance amount is not enough to the payment transaction amount of money.
The inventor thinks: deposit service by the long-range circle of stored value card is provided, just can overcome the defective that the stored value card circle is deposited, for electronic purse customer provides convenient service, but difficulty is the circle of stored value card deposits and need deposit POS by circle and finish, therefore the present invention proposes by providing the electronic remote wallet to supplement service with money, be that the user supplements with money stored value card by the internet, when stored value card is consumed on POS of the present invention, POS supplements the charging information that server obtains stored value card with money to network, supplement record with money if exist, then POS finishes follow-up process of consumption again after described stored value card circle is deposited the fund of recharge amount.
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, the franchised business that it is installed in bank card is unified into network with accepting in the site with computing machine, just can realize that electronic funds transfers accounts automatically, it has online consumption, off-line consumption, pre-authorization, inquiry into balance, the reconciliation of support and function such as transfer accounts.
Do not retrieve as yet at present about stored value card is carried out the relevant patent documentation that long-range circle is deposited.
Summary of the invention
The present invention is directed to the defective or the deficiency that exist in the prior art, a kind of POS and method that provides additional turns to deposit service to the stored value card in the transaction is provided, adopt the present invention just can make and supplement the stored value card of having supplemented with money on the server with money at network, when on POS of the present invention, consuming, can deposit the recharge amount circle in the described stored value card, realization is supplemented with money and is enclosed separating of depositing, solved electronic purse customer to the on-the-spot problem of depositing of enclosing, make electronic purse customer need not the stored value card circle and deposit service point, pass through the internet, client, means such as short message are supplemented with money for stored value card whenever and wherever possible, and when consuming on consumption POS of the present invention, recharge amount is deposited in the stored value card of having supplemented with money from moving-coil.
The total technical conceive of the present invention is, sets up stored value card and supplements gateway apparatus with money, connects the internet, and interconnects by data network with stored value card account central platform; Electronic purse customer is supplemented with money on the gateway apparatus at stored value card by means such as internet, client, short messages the fund of the designated amounts in cash or the bank account is supplemented with money in the stored value card of specifying identification code, stored value card supplement with money gateway apparatus generate described appointment identification code stored value card supplement record with money; Have circle during structure consumption and deposit the POS of search function, when stored value card is consumed on described POS, described POS and described stored value card are supplemented the gateway apparatus interactive communication with money, the circle that transmission comprises stored value card identification code field is deposited search instruction and is supplemented gateway apparatus with money to described stored value card, whether described stored value card is supplemented gateway apparatus with money and is retrieved the stored value card of described identification code and exist and effectively supplement record with money, if have, then comprise long-range circle and deposit the response message of message bag to described POS with the mutual generation of stored value card account central platform, described POS according to described long-range circle deposit the message bag to described stored value card enclose deposit after, carry out follow-up process of consumption in usefulness; If no, then return not have and supplement recording messages with money to described POS, described POS carries out follow-up process of consumption in usefulness.
Technical scheme of the present invention is as follows:
A kind ofly provide additional turns to deposit the POS of service, it is characterized in that, comprise that basic POS functional module and circle deposit the search program module the stored value card in the transaction; Described basic POS module is the POS with stored value card interface function and stored value card reconciliation interface function, after induction or receiving the payment or consumption or query manipulation of stored value card, calls circle and deposits the search program module; It is the program module that can be called by basic POS functional module that described circle is deposited the search program module, has following feature: in invoked parameter, comprise the stored value card identification code, be called carry out after, send the circle that comprises stored value card identification code field by data network and deposit search instruction to the background support server, the described circle that wait and reception background support server return is deposited the retrieval response message, if mark the record that waiting circle deposits in the response message and comprise long-range circle and deposit information content field, then depositing the information content according to described long-range circle encloses described stored value card and deposits, and after generating circle and depositing transaction reconciliation record, turn back to basic POS functional module, if the record that response message is got the bid out and do not had waiting circle to deposit then turns back to basic POS functional module.
Described circle deposits that the search program module further comprises if after the circle that sends deposits search instruction, do not receive response message in the time period that is provided with, and then sends circle and deposits retrieval towards positive order to the background support server; It is the newer command that increases on POS communication protocol basis at the background support server that described circle is deposited search instruction, and comprises new data structure.
Described background support server is to insert the Computer Database server that stored value card is supplemented gateway apparatus with money, described stored value card is supplemented gateway apparatus with money and is connected the internet, and interconnect by data network with stored value card account central platform, electronic purse customer is supplemented the gateway apparatus communication interaction with money by internet or client or short messaging mode and stored value card, the fund of the designated amounts in cash or the bank account is supplemented with money in the stored value card of specifying identification code, stored value card supplement with money gateway apparatus generate described appointment identification code stored value card to supplement record with money be the record that waiting circle is deposited; Described stored value card account central platform is the system by managing electronic wallet circle is deposited, the computer server of account and reconciliation, clearance constitutes.
A kind of to the transaction in stored value card the online POS that distinguishes service is provided, it is characterized in that, comprise the online distinguisher module of basic POS functional module and stored value card; Described basic POS module is the POS with stored value card processing capacity and interface function, after induction or receiving the payment or consumption or query manipulation of stored value card, calls the online distinguisher module of stored value card; The online distinguisher module of described stored value card is the program module that can be called by basic POS functional module, has following feature: in invoked parameter, comprise the stored value card identification code, be called carry out after, sending the stored value card comprise stored value card identification code field by data network distinguishes and instructs the background support server, the described stored value card that wait and reception background support server return is distinguished response message, if be labeled as denial of service in the response message and comprise long-range pin card information content field, then described stored value card is carried out the operation of pin card according to described pin card information content, and after generating pin card reconciliation record, turn back to basic POS functional module, if be labeled as normal service in the response message, then turn back to basic POS functional module.
A kind of to the transaction in stored value card provide additional turns to deposit service method, it is characterized in that, may further comprise the steps:
A. stored value card is consumed or is paid or inquire about on the POS that provides additional turns to deposit service to the stored value card in the transaction;
B. after described POS collects the information of described stored value card, send the circle comprise stored value card identification code field and deposit search instruction and supplement gateway apparatus with money to stored value card;
C. described stored value card is supplemented gateway apparatus with money and is received after circle deposits search instruction, parses described circle and deposits stored value card identification code in the search instruction;
Whether D. described stored value card is supplemented gateway apparatus with money and is retrieved the stored value card of described identification code exist and effectively supplement record with money in database, if exist, and execution in step E then, if there is no, execution in step F;
E. described stored value card is supplemented the circle that gateway apparatus and stored value card account central platform communication interaction obtain described identification code stored value card with money and is deposited information, deposit the information generation by described circle and comprise the response message that long-range circle is deposited information content field, after the response message that has waiting circle to deposit record of depositing search instruction as circle sends to described POS, execution in step G;
F. described stored value card is supplemented gateway apparatus with money and is generated the circle do not have waiting circle to deposit record and deposit after the response message of search instruction sends to described POS execution in step H;
G. described POS receives described response message, from described response message, parse after long-range circle deposits the information content, to the stored value card of waiting for operation enclose deposit after, generate circle and deposit transaction reconciliation record, execution in step I;
H. after described POS receives described response message, generate circle and deposit the retrieval transaction record;
I. described POS finishes follow-up standard process of exchange.
Among the described step B, stored value card is supplemented gateway apparatus with money and can be inserted in the network computer server, maybe can insert in the computer server in the stored value card account central platform.
Further comprise in the described step e: described stored value card is supplemented gateway apparatus with money and is supplemented record to what finish that circle deposits that retrieval replys with money, and it is invalid to be labeled as in database, and produces long-range circle and deposit record.
Standard process of exchange described in the described step I is meant the present invention's consumption or payment or polling routine in using POS before.
A kind of to the transaction in stored value card the online service method of distinguishing is provided, it is characterized in that, may further comprise the steps:
(A) stored value card is consumed or is paid or inquire about in that the stored value card in the transaction is provided on the online POS that distinguishes service;
(B) after described POS collects the information of described stored value card, send the stored value card comprise stored value card identification code field and remaining sum field and distinguish and instruct stored value card to distinguish gateway apparatus;
(C) described stored value card distinguishes that gateway apparatus sends stored value card by data network and distinguishes and instruct stored value card account central platform;
(D) stored value card account central platform receives after stored value card distinguishes instruction, parses described stored value card and distinguishes stored value card identification code in the instruction;
(E) stored value card account central platform is judged: if the stored value card of described identification code no longer provides COS or in blacklist for belonging to, then return label be denial of service and comprise the response message of long-range pin card information content field after, execution in step (F); If the stored value card of described identification code is for belonging to the normal service type or in white list, then return label is the response message of normal service, execution in step (G);
(F) described stored value card distinguishes that gateway apparatus receives described response message, and return to described POS, after described POS receives described response message, according to the long-range pin card information content in the described response message described stored value card is carried out the operation of pin card, after generating pin card reconciliation record and alarm prompt, turn back to the POS master menu, execution in step (I);
(G) described stored value card distinguishes that gateway apparatus receives described response message, and returns to described POS, after described POS receives described response message, after the generation stored value card is distinguished transaction record, finishes follow-up standard process of exchange;
(H) POS closing the transaction.
A kind of to the transaction in stored value card provide additional turns to deposit the correction method that dashes of service, it is characterized in that, may further comprise the steps:
A. providing POS that additional turns deposits service to send the circle that comprises stored value card identification code field to the stored value card in the transaction deposits retrieval and supplements gateway apparatus towards positive order with money to stored value card;
B. described stored value card is supplemented gateway apparatus with money and is received circle and deposit retrieval after positive order, parses described circle and deposits stored value card identification code in the search instruction;
Whether c. described stored value card is supplemented gateway apparatus with money and is retrieved the stored value card of described identification code exist long-range circle to deposit record in database, if exist, and execution in step d then, if there is no, execution in step e;
D. described stored value card is supplemented with money after gateway apparatus and stored value card account central platform communicate the mutual circle that dashes just described identification code stored value card and deposit, and generates circle and deposits retrieval and send to described POS, execution in step f towards positive response message;
E. described stored value card is supplemented gateway apparatus with money and is generated circle and deposit after retrieval sends to described POS towards the response message of positive order execution in step f;
F. described POS receives described response message, generates to enclose to deposit to retrieve to dash over against account record, execution in step g;
G. described POS finishes follow-up standard process of exchange.
Technique effect of the present invention is as follows:
The present invention can make at network and supplement the stored value card of having supplemented with money on the server with money, when on POS of the present invention, consuming, can deposit the recharge amount circle in the described stored value card, realization is supplemented with money and is enclosed separating of depositing, solved electronic purse customer to the on-the-spot problem of depositing of enclosing, realized that the long-range circle of stored value card deposits, make electronic purse customer need not the stored value card circle and deposit service point, pass through the internet, client, means such as short message are supplemented with money for stored value card whenever and wherever possible, when the stored value card of supplementing with money was consumed on POS of the present invention or paid or inquire about, recharge amount was deposited in the stored value card from moving-coil; In addition, the present invention also provides the online function of distinguishing stored value card, can provide the service of reporting the loss for electronic purse customer.
Description of drawings
Fig. 1 is that the present invention realizes the stored value card system architecture synoptic diagram that provides additional turns to deposit service in the transaction.
Fig. 2 is that the present invention realizes providing the online system architecture synoptic diagram of distinguishing service to the stored value card in the transaction.
Fig. 3 is the system architecture synoptic diagram of the embodiment of the invention one.
Fig. 4 is the flow chart of steps of the automatic integration of the embodiment of the invention one.
Fig. 5 is the flow chart of steps of the discount inquiry of the embodiment of the invention one.
Fig. 6 is the flow chart of steps that the integration of the embodiment of the invention one is opened an account.
Embodiment
As Fig. 1 is the system architecture synoptic diagram that realization provides additional turns to deposit service to the stored value card in the transaction; Fig. 2 realizes providing the online system architecture synoptic diagram of distinguishing service to the stored value card in the transaction;
Wherein:
POS130 is the POS that the present invention provides additional turns to deposit service to the stored value card in the transaction, connects POS access gate device 120 by communication network;
Stored value card account central platform 110 is the systems by managing electronic wallet circle is deposited, the computer server of account and reconciliation, clearance constitutes;
POS150 is that the present invention provides the online POS that distinguishes service to the stored value card in the transaction, connects POS access gate device 120 by communication network;
Stored value card is supplemented device 100 with money by data network and POS access gate device 120 and 110 interconnection of stored value card account central platform;
Stored value card condition discriminating apparatus 200 is by data network and POS access gate device 120 and 110 interconnection of stored value card account central platform;
Preferably, stored value card is supplemented " interchanger networking United Technologies standard V2.0 " agreement that the communication protocol between device 100 and the stored value card account central platform 110 adopts China Unionpay to issue with money;
Preferably, the communication protocol between stored value card condition discriminating apparatus 200 and the stored value card account central platform 110 adopts China Unionpay's issue " interchanger networking United Technologies standard V2.0 " agreement;
Preferably, the communication protocol of 110 of POS access gate device 120 and stored value card account central platforms adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, POS access gate device 120 and stored value card are supplemented " POS of China Unionpay terminal specification " agreement that the communication protocol between the device 100 adopts China Unionpay to issue with money;
Preferably, the communication protocol between POS access gate device 120 and the stored value card condition discriminating apparatus 200 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, the communication protocol between POS and the POS access gate device 120 adopts " POS of China Unionpay terminal specification " agreement of China Unionpay's issue;
Preferably, " POS of the China Unionpay terminal specification " of reference, the circle of POS is deposited search instruction message, is defined as follows,
Preferably, " POS of the China Unionpay terminal specification " of reference, the online instruction message of distinguishing of POS is defined as follows,
Under Fig. 1 system architecture, a kind of to the stored value card POS that provides additional turns to deposit service in the transaction, comprise that basic POS functional module and circle deposit the search program module; Described basic POS module is the POS with stored value card interface function and stored value card reconciliation interface function, after induction or receiving the payment or consumption or query manipulation of stored value card, calls circle and deposits the search program module; It is the program module that can be called by basic POS functional module that described circle is deposited the search program module, has following feature: in invoked parameter, comprise the stored value card identification code, be called carry out after, sending the circle comprise stored value card identification code field by data network deposits search instruction and supplements device 100 with money to stored value card, wait for and receive stored value card and supplement the described circle that device 100 returns with money and deposit the retrieval response message, if mark the record that waiting circle deposits in the response message and comprise long-range circle and deposit information content field, then depositing the information content according to described long-range circle encloses described stored value card and deposits, and after generating circle and depositing transaction reconciliation record, turn back to basic POS functional module, if the record that response message is got the bid out and do not had waiting circle to deposit then turns back to basic POS functional module.
Described circle deposits that the search program module further comprises if after the circle that sends deposits search instruction, do not receive response message in the time period that is provided with, and then sends circle and deposits retrieval towards positive order to the background support server; It is the newer command that increases on POS communication protocol basis at the background support server that described circle is deposited search instruction, and comprises new data structure.
Described stored value card is supplemented device 100 with money and can be inserted in the Computer Database server, connect the internet, and interconnect by data network with stored value card account central platform 110, electronic purse customer is supplemented gateway apparatus 100 communication interactions with money by internet or client or short messaging mode and stored value card, the fund of the designated amounts in cash or the bank account is supplemented with money in the stored value card of specifying identification code, stored value card supplement with money gateway apparatus 100 generate described appointment identification code stored value card to supplement record with money be the record that waiting circle is deposited.
Under Fig. 2 system architecture, a kind of to the transaction in stored value card the online POS that distinguishes service is provided, comprise the online distinguisher module of basic POS functional module and stored value card; Described basic POS module is the POS with stored value card processing capacity and interface function, after induction or receiving the payment or consumption or query manipulation of stored value card, calls the online distinguisher module of stored value card; The online distinguisher module of described stored value card is the program module that can be called by basic POS functional module, has following feature: in invoked parameter, comprise the stored value card identification code, be called carry out after, sending the stored value card comprise stored value card identification code field by data network distinguishes and instructs stored value card condition discriminating apparatus 200, the described stored value card that wait and reception stored value card condition discriminating apparatus 200 return is distinguished response message, if be labeled as denial of service in the response message and comprise long-range pin card information content field, then described stored value card is carried out the operation of pin card according to described pin card information content, and after generating pin card reconciliation record, turn back to basic POS functional module, if be labeled as normal service in the response message, then turn back to basic POS functional module.
Under Fig. 1 system architecture, a kind of to the transaction in stored value card provide additional turns to deposit service method, may further comprise the steps:
A. stored value card is consumed or is paid or inquire about on the POS130 that provides additional turns to deposit service to the stored value card in the transaction;
After B.POS130 collects the information of described stored value card, send the circle comprise stored value card identification code field and deposit search instruction and supplement gateway apparatus 100 with money to stored value card;
C. stored value card supplement with money gateway apparatus connect 100 receive that circle is deposited search instruction after, parse described circle and deposit stored value card identification code in the search instruction;
D. whether stored value card is supplemented gateway apparatus 100 with money and is retrieved the stored value card of described identification code exist and effectively supplement record with money in database, if exist, and execution in step E then, if there is no, execution in step F;
E. stored value card is supplemented gateway apparatus 100 with money and is deposited information with the circle that stored value card account central platform 110 communication interactions obtain described identification code stored value card, deposit the information generation by described circle and comprise the response message that long-range circle is deposited information content field, after the response message that has waiting circle to deposit record of depositing search instruction as circle sends to POS130, execution in step G;
F. stored value card is supplemented gateway apparatus 100 with money and is generated the circle that does not have waiting circle to deposit record and deposit after the response message of search instruction sends to POS130 execution in step H;
G.POS130 receives described response message, from described response message, parse after long-range circle deposits the information content, to the stored value card of waiting for operation enclose deposit after, generate circle and deposit transaction reconciliation record, execution in step I;
After H.POS130 receives described response message, generate circle and deposit the retrieval transaction record;
I.POS130 finishes follow-up standard process of exchange.
Among the described step B, stored value card is supplemented gateway apparatus 100 with money and can be inserted in the network computer server, maybe can insert in the computer server in the stored value card account central platform 110.
Further comprise in the described step e: described stored value card is supplemented gateway apparatus 100 with money and is supplemented record to what finish that circle deposits that retrieval replys with money, and it is invalid to be labeled as in database, and produces long-range circle and deposit record.
Standard process of exchange described in the described step I is meant the present invention's consumption or payment or polling routine in using POS before.
Under Fig. 2 system architecture, a kind of to the transaction in stored value card the online service method of distinguishing is provided, may further comprise the steps:
(A) stored value card is consumed or is paid or inquire about in that the stored value card in the transaction is provided on the online POS150 that distinguishes service;
(B) after POS150 collects the information of described stored value card, send the stored value card comprise stored value card identification code field and remaining sum field and distinguish and instruct stored value card to distinguish gateway apparatus 200;
(C) stored value card distinguishes that gateway apparatus 200 sends stored value card by data network and distinguishes and instruct stored value card account central platform 110;
(D) stored value card account central platform 110 receives after stored value card distinguishes instruction, parses described stored value card and distinguishes stored value card identification code in the instruction;
(E) stored value card account central platform 110 is judged: if the stored value card of described identification code no longer provides COS or in blacklist for belonging to, then return label be denial of service and comprise the response message of long-range pin card information content field after, execution in step (F); If the stored value card of described identification code is for belonging to the normal service type or in white list, then return label is the response message of normal service, execution in step (G);
(F) stored value card distinguishes that gateway apparatus 200 receives described response message, and return to POS150, after POS150 receives described response message, according to the long-range pin card information content in the described response message described stored value card is carried out the operation of pin card, after generating pin card reconciliation record and alarm prompt, turn back to the master menu of POS150, execution in step (I);
(G) stored value card distinguishes that gateway apparatus 200 receives described response message, and returns to POS150, after POS150 receives described response message, after the generation stored value card is distinguished transaction record, finishes follow-up standard process of exchange;
(H) closing the transaction of POS150.
Under Fig. 2 system architecture, a kind of to the transaction in stored value card provide additional turns to deposit the correction method that dashes of service, may further comprise the steps:
A. providing POS130 that additional turns deposits service to send the circle that comprises stored value card identification code field to the stored value card in the transaction deposits retrieval and supplements gateway apparatus 100 towards positive order to stored value card with money;
B. stored value card is supplemented gateway apparatus 100 with money and is received circle and deposit retrieval after positive order, parses described circle and deposits stored value card identification code in the search instruction;
C. whether stored value card is supplemented gateway apparatus 100 with money and is retrieved the stored value card of described identification code exist long-range circle to deposit record in database, if exist, and execution in step d then, if there is no, execution in step e;
D. stored value card is supplemented with money after gateway apparatus 100 and stored value card account central platform 110 communicate the mutual circle that dashes just described identification code stored value card and deposit, and generates circle and deposits retrieval and send to POS130 towards positive response message, execution in step f;
E. stored value card is supplemented gateway apparatus 100 with money and is generated circle and deposit after retrieval sends to POS130 towards the response message of positive order execution in step f;
F.POS130 receives described response message, generates to enclose to deposit to retrieve to dash over against account record, execution in step g;
G.POS130 finishes follow-up standard process of exchange.
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 of embodiments of the invention one, wherein:
Preferably, POS300 is the consumption POS with support electronic-purse transaction function and what's new of the present invention that Unionpay installs, and wherein, the POS access gate device places on the pos interface machine 220 of Unionpay;
Preferably, stored value card account central platform 110 is made of stored value card account center comprehensive platform 210, stored value card account center comprehensive platform 210 can be supported or transform the IC-card stored value card account central platform of supporting the long-range circle of stored value card to deposit in the back by all and constitute, and comprises oiling IC-card management platform, bus IC card management platform, city all-purpose card management platform etc.;
Preferably, device 100 supplemented with money by stored value card and the online condition discriminating apparatus 200 of stored value card places the Computer Database server, present embodiment is referred to as stored value card remote server 500, wherein: interconnect by data network between stored value card remote server 500 and the stored value card account center comprehensive platform 210, and interconnect by data network between the pos interface machine 220;
Stored value card remote server 500 is by 240 interconnection of Internet and internet computer, and the internet banking operation by internet computer 240 is that stored value card is supplemented with money on stored value card remote server 500;
Stored value card remote server 500 is by mobile operator communication network and mobile telephone terminal 400 interconnection, and the mobile phone user is that stored value card is supplemented with money on stored value card remote server 500 by modes such as short message, client, WEB/WAP through Web bank or Unionpay;
Preferably, the last increase of POS300 circle is deposited retrieval and the online synthesizer module of distinguishing, when POS300 with stored value card set up communicate by letter after, carry out before the transaction of stored value card IC-card, retrieve or the online synthesizer of distinguishing according to being provided with to call respectively to enclose to deposit; When stored value card remote server 500 receive the circle deposit the retrieval with online distinguish comprehensive instruction after, at first send online distinguishing and instruct the stored value card account central platform under the stored value card in the instruction, for the stored value card of denial of service, then directly return label is that denial of service and the response message that comprises long-range pin card information content field are given POS300; For the stored value card IC-card of normal service, then whether the stored value card of the described identification code of retrieval exists and effectively supplements record with money in database, if there is no, then generates the circle that does not have waiting circle to deposit record and deposits the response message of search instruction and send to POS300; If exist, then generate and comprise long-range circle and deposit the response message of information content field to POS300.
As Fig. 4, Fig. 5, shown in Figure 6, be the specific implementation process flow diagram of the various operations of the embodiment of the invention one.
Deposit the performing step of retrieval as Fig. 4 for circle, specific as follows:
F1: the stored value card IC-card user transaction of on POS300, swiping the card;
F2:POS300 sends circle and deposits search instruction to pos interface machine 220;
F3-F4:POS interface message processor (IMP) 220 is deposited search instruction to circle and is sent to stored value card remote server 500, the stored value card of record is supplemented in 500 pairs of existence of stored value card remote server with money, sends long-range circle and deposits the stored value card account central platform that instructs under the described stored value card;
F5: stored value card account central platform returns the capable result of long-range circle counter foil to stored value card remote server 500;
F6-F7: stored value card remote server 500 generates the response message that circle is deposited search instruction, sends to POS300 through pos interface machine 220;
F8:POS300 deposits the response message of content for containing long-range circle, the stored value card IC-card is enclosed deposit;
F9:POS300 carries out the transaction that the stored value card IC-card is initiated.
Deposit retrieval towards positive performing step as Fig. 5 for circle, specific as follows:
The circle that F1:POS300 initiates deposit search instruction overtime after, do not receive response message;
F2:POS300 sends circle and deposits retrieval towards positive order to pos interface machine 220;
F3-F4:POS interface message processor (IMP) 220 is deposited retrieval to circle and is sent to stored value card remote server 500 towards positive order, 500 pairs of stored value cards that exist the efficient remote circle to deposit record of stored value card remote server send long-range circle and deposit towards the stored value card account central platform of positive order under the described stored value card;
F5: stored value card account central platform returns long-range circle and deposits towards positive response message to stored value card remote server 500;
F6-F7: stored value card remote server 500 generates circle and deposits the response message of retrieval towards positive order, sends to POS300 through pos interface machine 220;
F8:POS300 generates to enclose to deposit to retrieve and dashes over against the account record.
As Fig. 6 is the online step of distinguishing of IC-card stored value card, specific as follows:
F1: the stored value card IC-card user transaction of on POS300, swiping the card;
F2:POS300 sends the online pos interface machine 220 that instructs of distinguishing;
F3-F4:POS interface message processor (IMP) 220 distinguishes that online instruction sends to stored value card remote server 500, and stored value card remote server 500 sends the online stored value card account central platform that instructs under the described stored value card of distinguishing;
F5: stored value card account central platform returns the online response message of distinguishing and arrives stored value card remote server 500;
F6-F7: stored value card remote server 500 generates the online response message of distinguishing instruction, sends to POS300 through pos interface machine 220;
F8:POS300 carries out the operation of pin card for the response message that contains long-range pin card content to the stored value card IC-card, returns the master menu of POS300 after the alarm;
F9:POS300 begins process of exchange for the stored value card IC of normal service.
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 (10)
1. one kind provides additional turns to deposit the POS of service to the stored value card in the transaction, it is characterized in that, comprises that basic POS functional module and circle deposit the search program module; Described basic POS module is the POS with stored value card interface function and stored value card reconciliation interface function, after induction or receiving the payment or consumption or query manipulation of stored value card, calls circle and deposits the search program module; It is the program module that can be called by basic POS functional module that described circle is deposited the search program module, has following feature: in invoked parameter, comprise the stored value card identification code, be called carry out after, send the circle that comprises stored value card identification code field by data network and deposit search instruction to the background support server, the described circle that wait and reception background support server return is deposited the retrieval response message, if mark the record that waiting circle deposits in the response message and comprise long-range circle and deposit information content field, then depositing the information content according to described long-range circle encloses described stored value card and deposits, and after generating circle and depositing transaction reconciliation record, turn back to basic POS functional module, if the record that response message is got the bid out and do not had waiting circle to deposit then turns back to basic POS functional module.
2. according to claim 1 to the transaction in stored value card provide additional turns to deposit the POS of service, it is characterized in that, described circle deposits that the search program module further comprises if after the circle that sends deposits search instruction, in the time period that is provided with, do not receive response message, then send circle and deposit retrieval towards positive order to the background support server; It is the newer command that increases on POS communication protocol basis at the background support server that described circle is deposited search instruction, and comprises new data structure.
3. according to claim 1 to the transaction in stored value card provide additional turns to deposit the POS of service, it is characterized in that, described background support server is to insert the Computer Database server that stored value card is supplemented gateway apparatus with money, described stored value card is supplemented gateway apparatus with money and is connected the internet, and interconnect by data network with stored value card account central platform, electronic purse customer is supplemented the gateway apparatus communication interaction with money by internet or client or short messaging mode and stored value card, the fund of the designated amounts in cash or the bank account is supplemented with money in the stored value card of specifying identification code, stored value card supplement with money gateway apparatus generate described appointment identification code stored value card to supplement record with money be the record that waiting circle is deposited; Described stored value card account central platform is the system by managing electronic wallet circle is deposited, the computer server of account and reconciliation, clearance constitutes.
One kind to the transaction in stored value card the online POS that distinguishes service is provided, it is characterized in that, comprise the online distinguisher module of basic POS functional module and stored value card; Described basic POS module is the POS with stored value card processing capacity and interface function, after induction or receiving the payment or consumption or query manipulation of stored value card, calls the online distinguisher module of stored value card; The online distinguisher module of described stored value card is the program module that can be called by basic POS functional module, has following feature: in invoked parameter, comprise the stored value card identification code, be called carry out after, sending the stored value card comprise stored value card identification code field by data network distinguishes and instructs the background support server, the described stored value card that wait and reception background support server return is distinguished response message, if be labeled as denial of service in the response message and comprise long-range pin card information content field, then described stored value card is carried out the operation of pin card according to described pin card information content, and after generating pin card reconciliation record, turn back to basic POS functional module, if be labeled as normal service in the response message, then turn back to basic POS functional module.
One kind to the transaction in stored value card provide additional turns to deposit service method, it is characterized in that, may further comprise the steps:
A. stored value card is consumed or is paid or inquire about on the POS that provides additional turns to deposit service to the stored value card in the transaction;
B. after described POS collects the information of described stored value card, send the circle comprise stored value card identification code field and deposit search instruction and supplement gateway apparatus with money to stored value card;
C. described stored value card is supplemented gateway apparatus with money and is received after circle deposits search instruction, parses described circle and deposits stored value card identification code in the search instruction;
Whether D. described stored value card is supplemented gateway apparatus with money and is retrieved the stored value card of described identification code exist and effectively supplement record with money in database, if exist, and execution in step E then, if there is no, execution in step F;
E. described stored value card is supplemented the circle that gateway apparatus and stored value card account central platform communication interaction obtain described identification code stored value card with money and is deposited information, deposit the information generation by described circle and comprise the response message that long-range circle is deposited information content field, after the response message that has waiting circle to deposit record of depositing search instruction as circle sends to described POS, execution in step G;
F. described stored value card is supplemented gateway apparatus with money and is generated the circle do not have waiting circle to deposit record and deposit after the response message of search instruction sends to described POS execution in step H;
G. described POS receives described response message, from described response message, parse after long-range circle deposits the information content, to the stored value card of waiting for operation enclose deposit after, generate circle and deposit transaction reconciliation record, execution in step I;
H. after described POS receives described response message, generate circle and deposit the retrieval transaction record;
I. described POS finishes follow-up standard process of exchange.
6. according to claim 5 to the transaction in stored value card provide additional turns to deposit service method, it is characterized in that, among the described step B, stored value card is supplemented gateway apparatus with money and can be inserted in the network computer server, maybe can insert in the computer server in the stored value card account central platform.
7. according to claim 5 to the transaction in stored value card provide additional turns to deposit service method, it is characterized in that, further comprise in the described step e: described stored value card is supplemented gateway apparatus with money and is retrieved the record of supplementing with money of replying finishing to enclose to deposit, it is invalid to be labeled as in database, and produces long-range circle and deposit record.
8. according to claim 5ly provide additional turns to deposit service method to the stored value card in the transaction, it is characterized in that, standard process of exchange described in the described step I is meant before the present invention with consumption or payment or polling routine among the POS.
One kind to the transaction in stored value card the online service method of distinguishing is provided, it is characterized in that, may further comprise the steps:
(A) stored value card is consumed or is paid or inquire about in that the stored value card in the transaction is provided on the online POS that distinguishes service;
(B) after described POS collects the information of described stored value card, send the stored value card comprise stored value card identification code field and remaining sum field and distinguish and instruct stored value card to distinguish gateway apparatus;
(C) described stored value card distinguishes that gateway apparatus sends stored value card by data network and distinguishes and instruct stored value card account central platform;
(D) stored value card account central platform receives after stored value card distinguishes instruction, parses described stored value card and distinguishes stored value card identification code in the instruction;
(E) stored value card account central platform is judged: if the stored value card of described identification code no longer provides COS or in blacklist for belonging to, then return label be denial of service and comprise the response message of long-range pin card information content field after, execution in step (F); If the stored value card of described identification code is for belonging to the normal service type or in white list, then return label is the response message of normal service, execution in step (G);
(F) described stored value card distinguishes that gateway apparatus receives described response message, and return to described POS, after described POS receives described response message, according to the long-range pin card information content in the described response message described stored value card is carried out the operation of pin card, after generating pin card reconciliation record and alarm prompt, turn back to the POS master menu, execution in step (I);
(G) described stored value card distinguishes that gateway apparatus receives described response message, and returns to described POS, after described POS receives described response message, after the generation stored value card is distinguished transaction record, finishes follow-up standard process of exchange; (H) POS closing the transaction.
One kind to the transaction in stored value card provide additional turns to deposit the correction method that dashes of service, it is characterized in that, may further comprise the steps:
A. providing POS that additional turns deposits service to send the circle that comprises stored value card identification code field to the stored value card in the transaction deposits retrieval and supplements gateway apparatus towards positive order with money to stored value card;
B. described stored value card is supplemented gateway apparatus with money and is received circle and deposit retrieval after positive order, parses described circle and deposits stored value card identification code in the search instruction;
Whether c. described stored value card is supplemented gateway apparatus with money and is retrieved the stored value card of described identification code exist long-range circle to deposit record in database, if exist, and execution in step d then, if there is no, execution in step e;
D. described stored value card is supplemented with money after gateway apparatus and stored value card account central platform communicate the mutual circle that dashes just described identification code stored value card and deposit, and generates circle and deposits retrieval and send to described POS, execution in step f towards positive response message;
E. described stored value card is supplemented gateway apparatus with money and is generated circle and deposit after retrieval sends to described POS towards the response message of positive order execution in step f;
F. described POS receives described response message, generates to enclose to deposit to retrieve to dash over against account record, execution in step g;
G. described POS finishes follow-up standard process of exchange.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910236410A CN101702255A (en) | 2009-10-21 | 2009-10-21 | POS providing additional earmark service for electronic purse in transaction and method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910236410A CN101702255A (en) | 2009-10-21 | 2009-10-21 | POS providing additional earmark service for electronic purse in transaction and method |
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| Publication Number | Publication Date |
|---|---|
| CN101702255A true CN101702255A (en) | 2010-05-05 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910236410A Pending CN101702255A (en) | 2009-10-21 | 2009-10-21 | POS providing additional earmark service for electronic purse in transaction and method |
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| CN (1) | CN101702255A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2011161698A1 (en) * | 2010-06-24 | 2011-12-29 | Yeldi Infracom Pvt Ltd | Mobile topup tag |
| 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 |
| CN103839339A (en) * | 2012-11-27 | 2014-06-04 | 中国银联股份有限公司 | Offline transaction message loading method and offline transaction message uploading system |
| 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 |
| CN104680367A (en) * | 2015-03-25 | 2015-06-03 | 烟台威尔数据系统有限公司 | Off-line payment realizing method based on electronic wallet synchronous on-line consumption system |
| CN112101925A (en) * | 2020-11-17 | 2020-12-18 | 赣通通信股份有限公司 | Smart campus payment management system based on real-time communication |
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2009
- 2009-10-21 CN CN200910236410A patent/CN101702255A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2011161698A1 (en) * | 2010-06-24 | 2011-12-29 | Yeldi Infracom Pvt Ltd | Mobile topup tag |
| 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 |
| CN103839339A (en) * | 2012-11-27 | 2014-06-04 | 中国银联股份有限公司 | Offline transaction message loading method and offline transaction message uploading system |
| CN103839339B (en) * | 2012-11-27 | 2016-03-09 | 中国银联股份有限公司 | A kind of offline transaction message up sending method and offline transaction message up sending system |
| 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 |
| CN104680367A (en) * | 2015-03-25 | 2015-06-03 | 烟台威尔数据系统有限公司 | Off-line payment realizing method based on electronic wallet synchronous on-line consumption system |
| CN112101925A (en) * | 2020-11-17 | 2020-12-18 | 赣通通信股份有限公司 | Smart campus payment management system based on real-time communication |
| CN112101925B (en) * | 2020-11-17 | 2021-07-27 | 赣通通信股份有限公司 | Smart campus payment management system based on real-time communication |
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Application publication date: 20100505 |