CN102147943B - Service recharging device and method - Google Patents
Service recharging device and method Download PDFInfo
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- CN102147943B CN102147943B CN 201110008260 CN201110008260A CN102147943B CN 102147943 B CN102147943 B CN 102147943B CN 201110008260 CN201110008260 CN 201110008260 CN 201110008260 A CN201110008260 A CN 201110008260A CN 102147943 B CN102147943 B CN 102147943B
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Abstract
The invention provides a service recharging device and a service recharging method. The service recharging device comprises a card swiping-writing machine and a mobile terminal, wherein the card swiping-writing machine consists of a card-swiping interface and a card-writing interface; the card wiping-writing machine is used for generating first data information according to the financial service card information received from the card-swiping interface, sending the first data information, and acquiring recharging information according received second data information and sending the recharging information through the card-writing interface; and the mobile terminal is used for generating service information according to the received password information, amount information and the first data information sent by the card swiping-writing machine, sending the service information under the direction of received service confirmation information, sending the service information, and generating second data information according to the received feedback information and sending the second data information to the card swiping-writing machine. By the service recharging device and the service recharging method provided by the invention, a recharge card can be recharged any where at any time, so the convenience for service recharging is improved.
Description
Technical field
The present invention relates to service charging realization technology, relate in particular to a kind of service charging equipment and method.
Background technology
In daily life; A lot of recharging and paying business can be accomplished through bank brushing card; For example locate to supplement with money in the stored value card to electricity card, mass transit card, water card etc., generally need go to handle to the service point of appointment but these recharging and paying are professional, perhaps bank has some professional agency service.Along with the continuous quickening of rhythm of life, people hope to need not out the family and just can accomplish the recharging and paying business through convenient mode more.
Summary of the invention
The present invention provides a kind of service charging equipment and method, to improve the convenience of service charging.
The present invention provides a kind of service charging equipment, comprising:
Swipe the card and write the card device; Have the interface of swiping the card and write card; Said swiping the card write the card device and is used for generating first data message according to the financial business card information that receives from the said interface of swiping the card; And said first data message sent to portable terminal, and obtain charging information according to receiving second data message, and said charging information is sent to stored value card through the said card of writing;
Said portable terminal is write the card device and is linked to each other with said swiping the card, and is used for writing said first data message of card device transmission according to the encrypted message that receives, amount information and said swiping the card; Generate business information; And under the indication of the professional confirmation that receives, said business information is sent to the mechanism that deducts fees, and according to the feedback information that receives; Generate second data message, and said second data message is sent to said swiping the card write the card device.
Aforesaid service charging equipment, wherein, said portable terminal comprises:
The business information generation module is used for generating said business information according to the said encrypted message, said amount information and said first data message that receive;
Sending module is used under the indication of the said professional confirmation that receives, and the said business information that said business module generates is sent;
Receiver module is used to receive said feedback information;
The charging information extraction module is used for the said feedback information that receives according to said receiver module, generates said second data message.
Aforesaid service charging equipment, wherein,
Said swiping the card write the card device and comprised the first coding and decoding module; The said first coding and decoding module is used for said financial business card information is encoded; Generating said first data message, and said second data message that receives is decoded, to obtain said charging information;
Said portable terminal also comprises the second coding and decoding module; The said second coding and decoding module is used for said feedback information is encoded; To generate said second data message; And said first data message that receives decoded, and decoded first data message is sent to said business information generation module.
Aforesaid service charging equipment, wherein, said portable terminal also comprises:
Display module; Be used to show amount of money input option, password input option and trade confirmation option; And when the said amount information that receives input, said encrypted message and said trade confirmation information; Said amount information and said encrypted message are sent to said business information generation module, said trade confirmation information is sent to said sending module;
Load module is used to import said amount information, said encrypted message and said trade confirmation information.
Aforesaid service charging equipment, wherein,
Said portable terminal is write the card device and is linked to each other with said swiping the card through wired or wireless mode.
The present invention provides a kind of service charging method, comprising:
Swipe the card and write the card device and generate first data message, and said first data message is sent to portable terminal according to the financial business card information that receives from the interface of swiping the card;
Said portable terminal generates business information, and under the indication of the professional confirmation that receives, said business information is sent to the mechanism that deducts fees according to the encrypted message, amount information and said first data message that receive;
Said portable terminal generates second data message according to the feedback information that receives, and said second data message is sent to said swiping the card writes the card device;
Said swiping the card write the card device and obtained charging information according to receiving second data message, and said charging information is sent to stored value card through writing card.
Aforesaid service charging method, wherein, said swiping the card write the card device and generated first data message according to the financial business card information that receives from the interface of swiping the card, is specially:
Said swiping the card write the card device the said financial business card information that the interface of swiping the card receives encoded, to generate said first data message.
Aforesaid service charging method, wherein, said portable terminal is write said first data message that the card device sends according to the encrypted message that receives, amount information and said swiping the card, and generates business information, comprising:
Said portable terminal is decoded to said first data message that receives;
Said portable terminal generates said business information according to decoded first data message, the said encrypted message that receives and said amount information.
Aforesaid service charging method, wherein, said portable terminal generates second data message according to the feedback information that receives, and is specially:
Said portable terminal is encoded to the said feedback information that receives, to generate said second data message.
Aforesaid service charging method, wherein, said swiping the card write the card device and obtained charging information according to receiving second data message, comprising:
Said swiping the card write the card device said second data message that receives decoded;
Said swiping the card write the card device and obtained said charging information according to decoded second data message.
Can know that by technique scheme service charging equipment provided by the invention and method are write the card device and be connected with portable terminal through swiping the card; Write the card device swipes the card and writing operation through swiping the card; Carry out business transaction through portable terminal with the mechanism that deducts fees, can realize whenever and wherever possible the supplementing with money of stored value card, and simple in structure; Easy to operate, improved the convenience of service charging.
Description of drawings
A kind of service charging device structure synoptic diagram that Fig. 1 provides for the embodiment of the invention;
The another kind of service charging device structure synoptic diagram that Fig. 2 provides for the embodiment of the invention;
The service charging method process flow diagram that Fig. 3 provides for the embodiment of the invention.
Reference numeral:
11-swipes the card and writes the card device; The 12-portable terminal;
The 111-interface of swiping the card; 112-writes card;
121-business information generation module; The 122-sending module;
The 123-receiver module; 124-charging information extraction module;
The 125-second coding and decoding module; The 113-first coding and decoding module.
Embodiment
For the purpose, technical scheme and the advantage that make the embodiment of the invention is clearer, will combine the embodiment of the invention below, to the technical scheme in the embodiment of the invention carry out clear, intactly describe.Need to prove that in accompanying drawing or instructions, similar or components identical is all used identical Reference numeral.
A kind of service charging device structure synoptic diagram that Fig. 1 provides for the embodiment of the invention; As shown in Figure 1; This service charging equipment comprises swiping the card writes card device 11 and portable terminal 12; Swipe the card and write card device 11 and have the interface of swiping the card 111 and write card 112, swipe the card and write card device 11 and be used for the financial business card information that basis receives from the interface 111 of swiping the card and generate first data message, and first data message is sent; And obtain charging information, and charging information is sent through writing card 112 according to receiving second data message.Portable terminal 12 is write card device 11 and is linked to each other with swiping the card; Be used for according to the encrypted message, the amount information that receive and swipe the card and write first data message that card device 11 sends, the generation business information, and under the indication of the professional confirmation that receives; Business information is sent; And, generate second data message, and second data message sent to swipe the card write card device 11 according to the feedback information that receives.
The service charging equipment that present embodiment provides can be realized the service of supplementing with money of multiple business, for example the service of supplementing with money of multiple stored value cards such as electricity card, water card and mass transit card.Concrete; Swipe the card and write card device 11 and can brush the financial business card through the interface 111 of swiping the card; To obtain the financial business card information of financial business card; The financial business fixture body can have the stored value card of financial business function for bank card or other, and the financial business card information is specially the information that includes card number or number of the account.Swipe the card and write card device 11 and generate according to the financial business card information and be applicable to first data message that carries out data interaction with portable terminal 12, and this first data message is sent to portable terminal 12.Portable terminal 12 can be terminal devices such as mobile phone, personal digital assistant and notebook computer, swipes the card to write card device 11 and specifically can pass through multiple communication modes such as USB interface, mini USB interface, COBBAIF and Bluetooth transmission and be connected with portable terminal 12.Portable terminal 12 generates business information according to first data message that receives, encrypted message and amount information; Concrete; Be provided with relevant terminal software in the portable terminal 12, can point out, to carry out the input of encrypted message and amount information the business operation flow process; Encrypted message is the corresponding fee payment service password of financial business card, and amount information is required number of supplementing with money.Portable terminal 12 generates business information according to encrypted message, amount information and first data message that includes the financial business card information, and portable terminal 12 is in the indication of the professional confirmation of user's input this business information of transmission down.If portable terminal 12 is a mobile phone; Then business information can be the information of note form; Portable terminal 12 carries out data interaction through the note mode of sending and the mechanism that deducts fees; The mechanism that deducts fees specifically can be Unionpay's server, and business information also can be for being suitable for the data layout of mobile network's transmission, and portable terminal 12 sends to Unionpay's server through the mobile network with business information.In actual application, portable terminal 12 can carry out data interaction through multiple set communication mode and Unionpay's server, does not exceed with present embodiment.Unionpay's server is after receiving service note; Obtain financial business card information, encrypted message and amount information in the service note; And communicate with the business merchant, with the fee payment service of informing that this card number user need carry out, and receive the feedback information that professional merchant sends; Unionpay's server is accomplished the operation of deducting fees to the bank account of this card number, and this feedback information is returned to portable terminal 12.Unionpay's server also need carry out the account balance inquiry usually when deducting fees operation; The amount of money if the account balance deficiency is paid the fees; Unionpay's server is understood the generation error report information, and error reporting information is returned to portable terminal 12, and is not enough with the prompting user balance.Portable terminal 12 is according to the feedback information that receives; Generate second data message; And second data message sent to swipe the card write card device 11, swipe the card and write card device 11 and obtain charging information, and charging information is write stored value card through writing card 112 according to second data message that receives.According to the difference of stored value card, writing card 112 can have a plurality ofly, is applicable to different stored value cards respectively, and a plurality of card 112 of writing can be integrated in one and swipe the card and write on the card device 11, also can be provided with respectively, to realize the function of supplementing with money of specific stored value card.
The service charging equipment that present embodiment provides is write the setting of card device 11 and portable terminal 12 through swiping the card, can realize whenever and wherever possible paying the fees and stored value card being supplemented with money; Need not the specific site transacting business of paying the fees; Simple in structure, easy to carry, improved the convenience of service charging.
The another kind of service charging device structure synoptic diagram that Fig. 2 provides for the embodiment of the invention; As shown in Figure 2; In the present embodiment, portable terminal 12 can comprise business information generation module 121, sending module 122, receiver module 123 and charging information extraction module 124.Business information generation module 121 is used for generating business information according to the encrypted message that receives, amount information and first data message.Sending module 122 is used under the indication of the professional confirmation that receives, and the business information that business module generates is sent.Receiver module 123 is used for receiving feedback information.Charging information extraction module 124 is used for the feedback information that receives according to receiver module 123, generates second data message.Portable terminal 12 is an example with the mobile phone, and is concrete, and sending module 122 can be the Anneta module of mobile phone with receiver module 123.
In the present embodiment, swipe the card and write card device 11 and can comprise that the first coding and decoding module, 113, the first coding and decoding modules 113 are used for the financial business card information is encoded; To generate first data message; And second data message that receives decoded, obtaining charging information, portable terminal 12 also comprises can the second coding and decoding module 125; The second coding and decoding module 125 is used for feedback information is encoded; Generating second data message, and first data message that receives is decoded, and decoded first data message is sent to business information generation module 121.
When writing card device 11 when swiping the card and to carry out direct data transmission, need carry out format conversion to data, to generate the data layout that can carry out data transmission with portable terminal 12.With the COBBAIF is example, and portable terminal 12 is write card device 11 and linked to each other with swiping the card through the audio interface interface, portable terminal 12 through COBBAIF with swipe the card when writing card device 11 and carry out data interaction, also write card device 11 and supply power for swiping the card.Swipe the card and write card device 11 before the financial business card information is transferred to portable terminal 12; Need handle through 113 pairs of financial business card informations of the first coding and decoding module; The financial business card information is encoded to the data of audio format; Promptly first data message is transferred to portable terminal 12 through COBBAIF then.After portable terminal 12 receives first data message, need decode through 125 pairs first data messages of the second coding and decoding module, can the recognition data form with acquisition.Likewise; Portable terminal 12 feedback information is sent to swipe the card write card device 11 before; Need handle through 125 pairs of feedback informations of the second coding and decoding module; Feedback information is encoded to the data of audio format, and promptly second data message is transferred to swipe the card through COBBAIF then and writes card device 11.Swipe the card write card device 11 and receive second data message after, decode through 113 pairs second data messages of the first coding and decoding module, to obtain charging information.
Write card device 11 if swipe the card and carry out data interaction with portable terminal 12 through USB interface or mini USB interface, then need not to carry out the conversion of data layout, in this case, first data message is the financial business card information, and second data message is feedback information.In actual application, the USB interface of portable terminal 12 or mini USB interface model maybe be different, and it is adaptive also can to carry out interface through external conversion adapter, and external conversion adapter built-in power can be write card device 11 for swiping the card and supply power.
In the present embodiment, portable terminal 12 can also comprise display module and load module.Display module is used to show amount of money input option, password input option and trade confirmation option; And when the amount information that receives input, encrypted message and trade confirmation information; Amount information and encrypted message are sent to business information generation module 121, trade confirmation information is sent to sending module 122.Load module is used to import amount information, encrypted message and trade confirmation information.Through the setting of display module, can point out user's business transaction operating process, improved the visuality and the convenience of operation.Concrete; Display module can also be selected option by display business; Carrying out corresponding business with the prompting user selects; Mass transit card supplements with money, the electricity card is supplemented with money or the water card is supplemented with money etc., and portable terminal 12 can produce service code information according to user's selection, generate business information in the lump together with financial business card information, encrypted message and amount information.If portable terminal 12 has touch-screen, then load module can be touch-screen, and load module also can be the keyboard that is provided with on the portable terminal 12, and load module can also be arranged on to swipe the card and write on the card device 11, and the form that is provided with of load module is not exceeded with present embodiment.
In the present embodiment; Portable terminal is write the card device and linked to each other with swiping the card through wired or wireless mode, and is concrete, and portable terminal is write the card device and is provided with wireline interface with swiping the card; Like COBBAIF, USB interface or mini USB, portable terminal is write the card device and is linked to each other with swiping the card through data line.Portable terminal also can be provided with wave point with swiping the card to write on the card device, and portable terminal is through modes such as Bluetooth transmission, infrared transmission and swipe the card and write the card device to carry out wireless data mutual.Portable terminal also can be provided with wireline interface and wave point simultaneously with swiping the card to write on the card device, can select data interactive mode as required voluntarily, does not exceed with present embodiment.
Below be that mass transit card is supplemented with money, portable terminal 12 is an example for mobile phone with the stored value card, the course of work of the service charging equipment that present embodiment is provided is done detailed explanation.
The user is according to the information of swiping the card that shows on the mobile phone; Write the interface 111 brush financial business cards of swiping the card of card device 11 through swiping the card; Swipe the card and write the financial business card information that card device 11 reads the financial business card, and generate according to the financial business card information and to be suitable for carrying out first data message of data transmission, write card device 11 and be connected with the COBBAIF of mobile phone if swipe the card with mobile phone; Then first data message is the information of audio format, swipes the card to write card device 11 first data message is sent to mobile phone.Mobile phone is decoded to first data message after receiving this first data message, to obtain the financial business card information.Mobile phone can pass through built-in relative program, the legitimacy of card authentication at first, and whether the prompting user carries out ensuing operation.Mobile phone prompting user carries out service selection, and input financial business clip pin and recharge amount.The user operates through touch-screen or keyboard, and when user's input finished, the prompting user carried out the affirmation of this business.If the user confirms to carry out this business, mobile phone then will send with the note form according to the business information that financial business card information, encrypted message, amount information and service code information generate.When Unionpay's server receives this business information; Business information is resolved; Know that this business is the mass transit card recharging service, Unionpay's server is then notified public transport department this time recharging service information, and public transport department returns feedback information; Unionpay's server carries out deducting fees of the corresponding amount of money to the bank account of this card number, and feedback information is sent to mobile phone.Mobile phone is encoded to the information of audio format to the feedback information that receives; I.e. second data message; And send to swipe the card through COBBAIF and write card device 11; Swipe the card and write 11 pairs second data messages of card device and decode, obtaining charging information, and supplement with money through the 112 pairs of mass transit cards of card of writing of corresponding mass transit card.So far, just accomplished supplementing with money to mass transit card.
The service charging method process flow diagram that Fig. 3 provides for the embodiment of the invention; As shown in Figure 3; The service charging method that present embodiment provides can be realized through the service charging equipment that any embodiment of the present invention provides, and also can not exceed with present embodiment through other equipment realizing.This service charging method comprises:
The service charging method that present embodiment provides is write the card device through portable terminal and portable swiping the card, and just can realize accomplishing supplementing with money stored value card through brush financial business card; Need not the specific site transacting business of paying the fees; Easy to operate, saved the time, improved the convenience of service charging.
In the present embodiment, swipe the card and write the card device and generate first data message according to the financial business card information that receives from the interface of swiping the card, specifically can for:
Swipe the card and write the card device financial business card information that the interface of swiping the card receives is encoded, to generate first data message.
In the present embodiment, portable terminal is according to the encrypted message, the amount information that receive and swipe the card and write first data message that card device sends, and the generation business information comprises:
Step 201, portable terminal are decoded to first data message that receives;
Step 202, portable terminal generate business information according to decoded first data message, the encrypted message that receives and amount information.
In the present embodiment, portable terminal generates second data message according to the feedback information that receives, and is specially:
Portable terminal is encoded to the feedback information that receives, to generate second data message.
In the present embodiment, swipe the card and write the card device and obtain charging information according to receiving second data message, comprising:
Step 401, swipe the card and write the card device second data message that receives is decoded;
Step 402, swipe the card and write the card device and obtain charging information according to decoded second data message.
The service charging method that present embodiment provides specifically can carry out corresponding format conversion to the data of transmission according to the interface shape setting of service charging equipment as required, does not exceed with present embodiment.
What should explain at last is: above embodiment is only in order to explaining technical scheme of the present invention, but not to its restriction; Although with reference to previous embodiment the present invention has been carried out detailed explanation, those of ordinary skill in the art is to be understood that: it still can be made amendment to the technical scheme that previous embodiment is put down in writing, and perhaps part technical characterictic wherein is equal to replacement; And these are revised or replacement, do not make the spirit and the scope of the essence disengaging various embodiments of the present invention technical scheme of relevant art scheme.
Claims (8)
1. a service charging equipment is characterized in that, comprising:
Swipe the card and write the card device; Have the interface of swiping the card and write card; Said swiping the card write the card device and is used for generating first data message according to the financial business card information that receives from the said interface of swiping the card; And said first data message sent to portable terminal, and obtain charging information according to receiving second data message, and said charging information is sent to stored value card through the said card of writing;
Said portable terminal is write the card device and is linked to each other with said swiping the card, and said portable terminal is used for writing said first data message of card device transmission according to the encrypted message that receives, amount information and said swiping the card; Generate business information; And under the indication of the professional confirmation that receives, said business information is sent to the mechanism that deducts fees, and according to the feedback information that receives; Generate second data message, and said second data message is sent to said swiping the card write the card device.
2. service charging equipment according to claim 1 is characterized in that, said portable terminal comprises:
The business information generation module is used for generating said business information according to the said encrypted message, said amount information and said first data message that receive;
Sending module is used under the indication of the said professional confirmation that receives, and the said business information that said business module generates is sent;
Receiver module is used to receive said feedback information;
The charging information extraction module is used for the said feedback information that receives according to said receiver module, generates said second data message.
3. service charging equipment according to claim 2 is characterized in that:
Said swiping the card write the card device and comprised the first coding and decoding module; The said first coding and decoding module is used for said financial business card information is encoded; Generating said first data message, and said second data message that receives is decoded, to obtain said charging information;
Said portable terminal also comprises the second coding and decoding module; The said second coding and decoding module is used for said feedback information is encoded; To generate said second data message; And said first data message that receives decoded, and decoded first data message is sent to said business information generation module.
4. service charging equipment according to claim 2 is characterized in that, said portable terminal also comprises:
Display module; Be used to show amount of money input option, password input option and trade confirmation option; And when the said amount information that receives input, said encrypted message and said trade confirmation information; Said amount information and said encrypted message are sent to said business information generation module, said trade confirmation information is sent to said sending module;
Load module is used to import said amount information, said encrypted message and said trade confirmation information.
5. according to the arbitrary described service charging equipment of claim 1-4, it is characterized in that:
Said portable terminal is write the card device and is linked to each other with said swiping the card through wired or wireless mode.
6. a service charging method is characterized in that, comprising:
Swipe the card and write the card device and generate first data message, and said first data message is sent to portable terminal according to the financial business card information that receives from the interface of swiping the card;
Said portable terminal generates business information, and under the indication of the professional confirmation that receives, said business information is sent to the mechanism that deducts fees according to the encrypted message, amount information and said first data message that receive;
Said portable terminal generates second data message according to the feedback information that receives, and said second data message is sent to said swiping the card writes the card device;
Said swiping the card write the card device and obtained charging information according to receiving second data message, and said charging information is sent to stored value card through writing card.
7. service charging method according to claim 6 is characterized in that, said swiping the card write the card device and generated first data message according to the financial business card information that receives from the interface of swiping the card, is specially:
Said swiping the card write the card device the said financial business card information that the interface of swiping the card receives encoded, to generate said first data message.
8. service charging method according to claim 7 is characterized in that, said portable terminal is write said first data message that the card device sends according to the encrypted message that receives, amount information and said swiping the card,
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN 201110008260 CN102147943B (en) | 2011-01-14 | 2011-01-14 | Service recharging device and method |
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| CN 201110008260 CN102147943B (en) | 2011-01-14 | 2011-01-14 | Service recharging device and method |
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| Publication Number | Publication Date |
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| CN102147943A CN102147943A (en) | 2011-08-10 |
| CN102147943B true CN102147943B (en) | 2012-12-26 |
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| CN 201110008260 Expired - Fee Related CN102147943B (en) | 2011-01-14 | 2011-01-14 | Service recharging device and method |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN103002118A (en) * | 2011-09-20 | 2013-03-27 | 朱星宇 | Data transmission method based on audio input output interface |
| CN104050557A (en) * | 2014-05-19 | 2014-09-17 | 交通银行股份有限公司内蒙古自治区分行 | User card balance data processing method and system |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| KR100675416B1 (en) * | 2002-06-10 | 2007-01-29 | 가부시키가이샤 엔티티 도코모 | Electronic value transfer device equipped with non-contact ic interface |
| CN101201947A (en) * | 2006-12-13 | 2008-06-18 | J&D易多喜有限公司 | Multifunctional EC card as well as method for machine card separation payment and energy consumption control thereof |
| CN101359413B (en) * | 2008-07-25 | 2010-07-14 | 大唐微电子技术有限公司 | Wireless terminal for processing personalization smart card and method |
| CN201654900U (en) * | 2009-06-19 | 2010-11-24 | 陕西海基业高科技实业有限公司 | Electronic wallet mobile self-help recharge system |
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