CN102486858A - Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge - Google Patents

Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge Download PDF

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Publication number
CN102486858A
CN102486858A CN2009102105007A CN200910210500A CN102486858A CN 102486858 A CN102486858 A CN 102486858A CN 2009102105007 A CN2009102105007 A CN 2009102105007A CN 200910210500 A CN200910210500 A CN 200910210500A CN 102486858 A CN102486858 A CN 102486858A
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China
Prior art keywords
money
account
mobile phone
rfid
recharge amount
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CN2009102105007A
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Chinese (zh)
Inventor
李峰
张建宇
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China Telecom Corp Ltd
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China Telecom Corp Ltd
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Priority to CN2009102105007A priority Critical patent/CN102486858A/en
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Abstract

The invention provides a radio frequency identification (RFID) mobile phone payment method and an RFID mobile phone payment system utilizing the over the air technology (OTA) to recharge. The RFID mobile phone payment method comprises the steps that: an offline account is set on a mobile phone payment platform, and the offline account is recharged through a recharging fund resource; an RFID mobile phone starts the mobile phone balance monitoring program for inquiring the account balance; whether the account balance is lower than the set value or not is judged, if so, a recharging request is sent to the mobile phone payment platform at the operator side, and the recharging request comprises the recharging amount; the mobile phone payment platform judges whether the recharging request is legal or not, and if so, the recharging amount is deducted from the set offline account; an OTA recharging platform is notified of recharging the account on the RFID mobile phone, and the notifications comprise the recharging amount and the information of the recharged mobile phone; the OTA recharging platform returns the recharging response to the RFID mobile phone after recharging; and the RFID mobile phone changes the account balance according to the recharging response issued by the OTA recharging platform. The RFID mobile phone payment method and the RFID mobile phone payment system have the advantage that users can conduct a transaction through the self offline fund account of the RFID mobile phone.

Description

RFID hand set paying method and system that a kind of OTA of utilization supplements with money
Technical field
The present invention relates to a kind of hand call payment system that is used for, the user's fund account in the mobile phone with RFID function is realized application process and the system that OTA (Over the Air Technology, air download technology) mode is supplemented with money.
Background technology
In recent years, along with the combination of technology such as the Internet, mobile communication and computing machine, arise at the historic moment as the mobile e-business of payment, instrument of exchange with mobile phone.In China, had nearly 4.2 hundred million cellphone subscribers and numerous PDA at present, these cell-phone customer terminals have constituted the mobile e-business enormous and latent market.
The RFID technology has clear superiorities such as noncontact is read, is suitable for rugged surroundings, can discern moving target, the safety encipher function is strong; Therefore obtained application widely in charge and the traffic administration automatically of the identification that comprises train and freight container, highway, warehousing management, gate control system, antitheft and aspect such as false proof; And the mobile phone that has the RFID function now is more and more universal; It combines with mobile phone and is used for electronic payment transaction system; Make mobile-phone payment outside the characteristics that have whenever and wherever possible with convenient, fast transaction, greatly strengthened transaction security.As long as the consumer has a mobile phone, just can accomplish financing or transaction safely, enjoy the facility that mobile-phone payment brings.
Yet the cellphone subscriber can only use bank account capital to conclude the business when payment transaction mostly now, can't conclude the business through the off-line fund account that the RFID mobile phone carries.
Summary of the invention
The present invention proposes RFID hand set paying method and the system that a kind of OTA of utilization supplements with money.Make the user when having the bank account transaction, also can conclude the business through the off-line fund account that the RFID mobile phone carries.
According to an aspect of the present invention; The RFID hand set paying method that a kind of OTA of utilization supplements with money is proposed; May further comprise the steps: the off-line account is set at the mobile-phone payment platform; And can be the owned bank account of user through supplementing source of fund with money to this off-line account charging, supplementing source of fund with money, also can be that user's rechargeable card account or user has at carrier side, the integration accounts that can consume etc. are various to have the fund in the account of consumption function; RFID mobile phone starting hand-set remaining sum watchdog routine is inquired about account balance; Judge whether account balance is lower than setting value, if the mobile-phone payment platform transmission charging request to carrier side comprises recharge amount in charging request; The mobile-phone payment platform judges whether charging request is legal, if from the off-line account that has been provided with, deduct recharge amount; Notice OTA supplements platform with money the account on the RFID mobile phone is supplemented with money, in notice, comprises this recharge amount and is supplemented with money the RFID cellphone information; OTA supplements platform with money and supplements the back with money and return to the RFID mobile phone and to supplement response with money, in supplementing response with money, comprises recharge amount; The RFID mobile phone is supplemented supplementing with money that platform issues with money according to OTA and is responded the change account balance.
Further, supplement source of fund with money and comprise that bank account, rechargeable card or user have at carrier side, the fund of exchanging according to total mark of consumption.
Further, through supplementing the operation of source of fund with money, also comprise and revise the step of supplementing source of fund with money to this off-line account charging.
Further, the operation of off-line account is set, also comprises the step that the single recharge amount upper limit is set.
According to a further aspect of the invention, the RFID hand call payment system that a kind of OTA of utilization supplements with money is also proposed, wherein; The RFID mobile phone comprises: the account balance monitoring module; Account balance is inquired about, when being checked through account balance and being lower than setting value, sent charging request to the charging request sending module; The charging request sending module sends charging request to the mobile-phone payment platform of carrier side, in charging request, comprises recharge amount; Account amount of money change module is supplemented supplementing with money that platform issues with money according to OTA and is responded the change account balance, in supplementing response with money, comprises recharge amount; The mobile-phone payment platform comprises: the charging request receiver module receives the charging request that the RFID mobile phone sends; Recharge amount is provided with module, and the off-line account is set, and through supplementing source of fund with money to this off-line account charging; The charging request judge module judges whether charging request is legal, when charging request is legal, sends the legal notice of affirmation to recharge amount deduction module; Recharge amount deduction module is deducted recharge amount from the off-line account that has been provided with, and notifies OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money, in notice, comprises this recharge amount and is supplemented with money cellphone information; OTA supplements platform with money, supplements back returning to the RFID mobile phone with money and supplements response with money.
Further, supplement source of fund with money and comprise that bank account, rechargeable card or user have at carrier side, the fund of exchanging according to total mark of consumption.
Further, recharge amount is provided with module and also revises and supplement source of fund with money.
Further, recharge amount is provided with module the single recharge amount upper limit also is set.
According to a further aspect of the invention, also propose the mobile-phone payment platform that a kind of OTA of utilization supplements with money, comprising: the charging request receiver module receives the charging request that the RFID mobile phone sends; Recharge amount is provided with module, and the off-line account is set, and through supplementing source of fund with money to this off-line account charging; The charging request judge module judges whether the charging request of RFID mobile phone is legal, when charging request is legal, sends the legal notice of affirmation to recharge amount deduction module; Recharge amount deduction module is deducted recharge amount from the off-line account that has been provided with, and notifies OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money, in notice, comprises this recharge amount and is supplemented with money cellphone information.
Further, supplement source of fund with money and comprise that bank account, rechargeable card or user have at carrier side, the fund of exchanging according to total mark of consumption.
Compared with prior art; The present invention is when user's account balance deficiency; Deduct recharge amount by the mobile-phone payment platform from the source of fund of supplementing with money that has been provided with; This supplements source of fund with money can be bank account or various fund accounts such as consumption card account or integration account, and notifies OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money.Therefore, the invention enables the user when having the bank account transaction, also can conclude the business through the off-line fund account that the RFID mobile phone carries.
Description of drawings
Fig. 1 is the RFID hand call payment system structural representation that the present invention utilizes OTA to supplement with money.
Fig. 2 has the structural representation of the RFID mobile phone of RFID chip for the present invention.
Fig. 3 is the structural representation of mobile-phone payment platform of the present invention.
The RFID hand set paying method process flow diagram that Fig. 4 utilizes OTA to supplement with money for the present invention.
Embodiment
The present invention utilizes the client on the RFID mobile phone that the off-line trading account balance is judged, when Sorry, your ticket has not enough value, utilizes the OTA mode to start supplementing with money of off-line account in the air, and the user can utilize the account to consume in the trade company with RFID POS terminating machine simultaneously.
Provide better embodiment of the present invention according to accompanying drawing below, and describe in detail, enable technical characterictic of the present invention and function characteristics are described better, rather than be used for limiting scope of the present invention.
As shown in Figure 1, the applied hand call payment system of the present invention comprises that RFID mobile phone, mobile-phone payment platform, OTA with RFID chip supplement platform, bank or other source of fund server and operator's mobile communcations system with money.Wherein:
RFID mobile phone integrated rfid chip has subscriber's local fund account managerial ability, can carry out timing or monitoring in real time to the remaining sum of the account, and can start OTA automatically and supplement process with money, the final function that refreshes remaining sum in the account of accomplishing.
The mobile-phone payment platform has the recording user business information, and leading subscriber is supplemented source of fund and recharge amount with money, supplements the function that platform is initiated charging request with money to OTA, particularly, in charging request, should insert this recharge amount and supplemented with money cellphone information.In addition, the mobile-phone payment platform also provides to supplementing the module that source of fund and single automatic value-charging amount of money size are managed with money, to realize user's setting and modify feature.
Wherein, the recording user business information can comprise whether this RFID mobile phone has opened the off-line charging function, if not open-minded; Think that user's charging request is illegal; Notify the user not open this function, promptly send refusal and supplement the message that maybe can't supplement with money, process ends with money to the charging request sending module; Supplementing source of fund with money can be bank or other source of fund server, comprises online bank account etc.
OTA supplements platform with money and has the user of completion charging request, supplements the function that rear line mobile phone local account sends charging information with money.The OTA standard is used for mobile phone parameters is packed by certain specific form, and then forms specific short message and send to user mobile phone, supplements whether success with money to notify the user, and the recharge amount during successful recharging etc.
Fig. 2 has the RFID handset structure synoptic diagram of RFID chip for the present invention.
The account balance monitoring module, regularly or in real time the account balance of RFID mobile phone is inquired about.When being checked through the account amount of money and being lower than setting value, send charging request to the charging request sending module.
The charging request sending module starts OTA automatically and supplements process with money, and promptly the mobile-phone payment platform to carrier side sends charging request, in charging request, comprises recharge amount.
Wherein, if set remaining sum lower limit and each recharge amount, then account balance is being lower than under the remaining sum of establishing in limited time, sends charging request from the mobile-phone payment platform of trend carrier side, in charging request, comprises recharge amount.If set the remaining sum lower limit but do not set each recharge amount; Then can eject the prompting that remaining sum is lower than lower limit at mobile phone interface; This moment, handset port can point out the user to import this recharge amount, and will comprise that the charging request of recharge amount sends to the mobile-phone payment platform if the user selects to supplement with money.
Account amount of money change module is supplemented supplementing with money that platform issues with money according to OTA and is responded the change account balance, accomplishes the function that refreshes remaining sum in the account, in supplementing response with money, comprises recharge amount.
Fig. 3 is the structural representation of mobile-phone payment platform of the present invention.
The charging request receiver module receives the charging request that the RFID mobile phone sends.
Recharge amount is provided with module, and the off-line account is set, and through supplementing source of fund with money to this off-line account charging.The user can utilize this off-line account to consume in the trade company with RFID POS terminating machine simultaneously.
Wherein the fund in this off-line account can be from bank account; Can be the fund by rechargeable card, also can be that the user has at carrier side, the fund of exchanging according to user's total mark of consumption; Such as; Total mark of consumption 10000 is exchanged into 100 yuan of Renminbi, and supplements with money in the off-line account, be used for the operation of supplementing with money of mobile phone remaining sum in the future.
Whether the charging request judge module judges whether charging request is legal, be to have the user that OTA supplements function with money promptly, when charging request is legal, sends the legal notice of affirmation to recharge amount deduction module.Concrete, the user related information of charging request is sent in inspection, confirms whether the user is the legal user of this business.When charging request is illegal, notify the user not open this function, send refusal to the charging request sending module and supplement the message that maybe can't supplement with money with money.
Recharge amount deduction module is deducted recharge amount from the off-line account that has been provided with, and notifies OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money.Particularly, should notify OTA to supplement this recharge amount of platform with money and supplemented with money cellphone information.
In addition, recharge amount is provided with module and can also revises and supplement source of fund with money, has increased dirigibility, convenience that the off-line account is supplemented with money.Further, recharge amount is provided with module and can also be provided with, revises the single recharge amount upper limit.After preventing that the off-line account is stolen, other people's malice is supplemented behavior with money, thereby has ensured the security of this off-line account.
The present invention is to have the method and system that the mobile phone of RFID function is supplemented with money in the air through a cover is provided with the OTA mode.When user's account balance deficiency; Deduct recharge amount by the mobile-phone payment platform from the source of fund of supplementing with money that has been provided with; This supplements source of fund with money, such as bank account, and perhaps off-line account; Such as various off-line fund accounts such as consumption card account or integration accounts, and notify OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money.Therefore, the present invention solves the defective that present cellphone subscriber can only use bank account capital to conclude the business mostly when payment transaction, makes the user when having the bank account transaction, also can conclude the business through the off-line fund account that the RFID mobile phone carries.
RFID hand set paying method flow process as shown in Figure 4, that the present invention utilizes OTA to supplement with money comprises the steps:
In step 401, at the mobile-phone payment platform off-line account is set, and through supplementing source of fund with money to this off-line account charging.The user can utilize this off-line account to consume in the trade company with RFID POS terminating machine simultaneously.Wherein, supplementing source of fund with money can be the fund by rechargeable card from bank account, also can be that the user has at carrier side, the fund of exchanging according to user's total mark of consumption.
Further, can also revise at the mobile-phone payment platform and to supplement source of fund with money, increase dirigibility, convenience that the off-line account is supplemented with money.
In step 402, RFID mobile phone starting hand-set remaining sum watchdog routine, regularly or in real time account balance is inquired about.
In step 403, judge whether account balance is lower than setting value, if, execution in step 404, otherwise continue execution in step 402.
In step 404, the mobile-phone payment platform transmission charging request to carrier side comprises recharge amount in charging request.
Wherein, if set remaining sum lower limit and each recharge amount, then account balance is being lower than under the remaining sum of establishing in limited time, sends charging request from the mobile-phone payment platform of trend carrier side, in charging request, comprises recharge amount.If set the remaining sum lower limit but do not set each recharge amount; Then can eject the prompting that remaining sum is lower than lower limit at mobile phone interface; This moment, handset port can point out the user to import this recharge amount, and will comprise that the charging request of recharge amount sends to the mobile-phone payment platform if the user selects to supplement with money.
Whether in step 405, the mobile-phone payment platform judges whether charging request is legal, be to have the user that OTA supplements function with money promptly; If charging request is legal; Change step 406 over to,, notify the user not open this function if charging request is illegal; Promptly send refusal and supplement the message that maybe can't supplement with money, process ends with money to the charging request sending module.
In step 406, from the off-line account that has been provided with, deduct recharge amount, and notify OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money.Particularly, should notify OTA to supplement this recharge amount of platform with money and supplemented with money cellphone information.
Further, can also be provided with, revise single automatic value-charging amount of money size.When remaining sum was less than recharge amount in supplementing source of fund with money, prompting was supplemented with money unsuccessfully when perhaps recharge amount was greater than setting value, can also further point out the user to change and supplemented the source of fund and/or the single automatic value-charging amount of money with money.After this operation can prevent that the off-line account is stolen, other people's malice was supplemented behavior with money, thereby had ensured the security of this off-line account.
In step 407, OTA supplements platform with money and supplements the back with money and return to the RFID mobile phone and to supplement response with money, in supplementing response with money, comprises recharge amount.
In step 408, the RFID mobile phone is supplemented supplementing with money that platform issues with money according to OTA and is responded the change account balance, accomplishes the function that refreshes remaining sum in the account.
The present invention is to have the method and system that the mobile phone of RFID function is supplemented with money in the air through a cover is provided with the OTA mode.When user's account balance deficiency; Deduct recharge amount by the mobile-phone payment platform from the source of fund of supplementing with money that has been provided with; This supplements source of fund with money can be online account, such as bank account, and perhaps off-line account; Such as various fund accounts such as consumption card account or integration accounts, and notify OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money.Therefore, the present invention solves the defective that present cellphone subscriber can only use bank account capital to conclude the business mostly when payment transaction, makes the user when having the bank account transaction, also can conclude the business through the off-line fund account that the RFID mobile phone carries.
The present invention can be applied to the mobile phone that has the RFID function in GSM/CDMA/WCDMA/TD-SCDMA and other wireless communication networks.The present invention is to have the method and system that the mobile phone of RFID function is supplemented with money in the air through a cover is provided with the OTA mode; Solve the defective that present cellphone subscriber can only use bank account capital to conclude the business mostly when payment transaction; Make the user when having the bank account transaction, also can conclude the business through the off-line fund account that the RFID mobile phone carries.

Claims (10)

1. RFID hand set paying method that utilizes OTA to supplement with money may further comprise the steps:
At the mobile-phone payment platform off-line account is set, and through supplementing source of fund with money to this off-line account charging;
RFID mobile phone starting hand-set remaining sum watchdog routine is inquired about account balance;
Judge whether account balance is lower than setting value, if the mobile-phone payment platform transmission charging request to carrier side comprises recharge amount in charging request;
The mobile-phone payment platform judges whether charging request is legal, if from the off-line account that has been provided with, deduct recharge amount;
Notice OTA supplements platform with money the account on the RFID mobile phone is supplemented with money, in notice, comprises this recharge amount and is supplemented with money the RFID cellphone information;
OTA supplements platform with money and supplements the back with money and return to the RFID mobile phone and to supplement response with money, in supplementing response with money, comprises recharge amount;
The RFID mobile phone is supplemented supplementing with money that platform issues with money according to OTA and is responded the change account balance.
2. according to the said RFID hand set paying method of claim 1, wherein, supplement source of fund with money and comprise that bank account, rechargeable card or user have at carrier side, the fund of exchanging according to total mark of consumption.
3. according to claim 1 or 2 said RFID hand set paying methods, wherein,, also comprise and revise the step of supplementing source of fund with money through supplementing the operation of source of fund with money to this off-line account charging.
4. according to claim 1 or 2 said RFID hand set paying methods, wherein, the operation of off-line account is set, also comprises the step that the single recharge amount upper limit is set.
5. RFID hand call payment system of utilizing OTA to supplement with money, wherein:
The RFID mobile phone comprises:
The account balance monitoring module is inquired about account balance, when being checked through account balance and being lower than setting value, sends charging request to the charging request sending module;
The charging request sending module sends charging request to the mobile-phone payment platform of carrier side, in charging request, comprises recharge amount;
Account amount of money change module is supplemented supplementing with money that platform issues with money according to OTA and is responded the change account balance, in supplementing response with money, comprises recharge amount;
The mobile-phone payment platform comprises:
The charging request receiver module receives the charging request that the RFID mobile phone sends;
Recharge amount is provided with module, and the off-line account is set, and through supplementing source of fund with money to this off-line account charging;
The charging request judge module judges whether charging request is legal, when charging request is legal, sends the legal notice of affirmation to recharge amount deduction module;
Recharge amount deduction module is deducted recharge amount from the off-line account that has been provided with, and notifies OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money, in notice, comprises this recharge amount and is supplemented with money cellphone information;
OTA supplements platform with money, supplements back returning to the RFID mobile phone with money and supplements response with money.
6. according to the said RFID hand call payment system of claim 5, wherein, supplement source of fund with money and comprise that bank account, rechargeable card or user have at carrier side, the fund of exchanging according to total mark of consumption.
7. according to the said RFID hand call payment system of claim 5, wherein, recharge amount is provided with module and also revises and supplement source of fund with money.
8. according to the said RFID hand call payment system of claim 5, wherein, recharge amount is provided with module the single recharge amount upper limit also is set.
9. mobile-phone payment platform that utilizes OTA to supplement with money comprises:
The charging request receiver module receives the charging request that the RFID mobile phone sends;
Recharge amount is provided with module, and the off-line account is set, and through supplementing source of fund with money to this off-line account charging;
The charging request judge module judges whether the charging request of RFID mobile phone is legal, when charging request is legal, sends the legal notice of affirmation to recharge amount deduction module;
Recharge amount deduction module is deducted recharge amount from the off-line account that has been provided with, and notifies OTA to supplement platform with money the account on the RFID mobile phone is supplemented with money, in notice, comprises this recharge amount and is supplemented with money cellphone information.
10. according to the said mobile-phone payment platform of claim 9, wherein, supplement source of fund with money and comprise that bank account, rechargeable card or user have at carrier side, the fund of exchanging according to total mark of consumption.
CN2009102105007A 2009-11-03 2009-11-03 Radio frequency identification (RFID) mobile phone payment method and system utilizing over air technology (OTA) to recharge Pending CN102486858A (en)

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WO2017128319A1 (en) * 2016-01-29 2017-08-03 吕璇 Data sending method for electronic account monitoring technique, and prompting system
WO2017128321A1 (en) * 2016-01-29 2017-08-03 吕璇 Prompting method based on electronic account capital limit matching information, and prompting system
WO2017128320A1 (en) * 2016-01-29 2017-08-03 吕璇 Information reminding method for use when monitoring electronic account capital, and prompting system
CN109118211A (en) * 2018-08-28 2019-01-01 深圳市有钱科技有限公司 Mobile phone card recharge method, storage medium and computer equipment
CN114418593A (en) * 2021-12-23 2022-04-29 中国电信股份有限公司 Illegal behavior recognition method and device, electronic equipment and readable medium
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WO2015101238A1 (en) * 2013-12-31 2015-07-09 Tencent Technology (Shenzhen) Company Limited Automatic resource transfer method, platform, server and system
WO2017128319A1 (en) * 2016-01-29 2017-08-03 吕璇 Data sending method for electronic account monitoring technique, and prompting system
WO2017128321A1 (en) * 2016-01-29 2017-08-03 吕璇 Prompting method based on electronic account capital limit matching information, and prompting system
WO2017128320A1 (en) * 2016-01-29 2017-08-03 吕璇 Information reminding method for use when monitoring electronic account capital, and prompting system
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WO2023045501A1 (en) * 2021-09-27 2023-03-30 支付宝(杭州)信息技术有限公司 Offline payment authorization method and apparatus, offline payment method and apparatus, and collection method and apparatus
CN114418593A (en) * 2021-12-23 2022-04-29 中国电信股份有限公司 Illegal behavior recognition method and device, electronic equipment and readable medium

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Application publication date: 20120606