CN102568113A - Module, device, system and method for capital transfer among electronic purses of mobile terminals - Google Patents
Module, device, system and method for capital transfer among electronic purses of mobile terminals Download PDFInfo
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- CN102568113A CN102568113A CN2010105860364A CN201010586036A CN102568113A CN 102568113 A CN102568113 A CN 102568113A CN 2010105860364 A CN2010105860364 A CN 2010105860364A CN 201010586036 A CN201010586036 A CN 201010586036A CN 102568113 A CN102568113 A CN 102568113A
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Abstract
The invention discloses a module, a device, a system and a method for capital transfer among electronic purses of mobile terminals. When capital is transferred in corresponding electronic purses of one mobile terminal and another mobile terminal, the mobile terminal and the other mobile terminal exchange data through a radio-frequency identification module, transfer logs are recorded in the mobile terminals after capital transfer is completed, and the mobile terminals transmit the transfer logs to a payment account platform system through points of sale so as to update balances of electronic purse accounts of the payment account platform system. Capital transfer among the electronic purses can be realized in any time at any places by users, reliability is high, the balance of the electronic purse accounts of the payment account platform system can be kept uniform with those of the electronic purses of the mobile terminals, and existing electronic purse management modes are met.
Description
Technical field
The present invention relates to the data processing technique of stored value card, fund conversion module, device, system and method between particularly a kind of portable terminal stored value card.
Background technology
Along with the mobile payment technical development; Adopt RFID (Radio Frequency Identification; RF identification/electronic tag) the on-the-spot POS (Point-Of-Sale of technology; Point-of-sale terminal) contactless payment becomes the direction of mobile payment development gradually, and wherein the mobile phone electronic wallet is exactly a key of supporting on-the-spot POS contactless payment.The mobile phone electronic wallet is with the carrier of mobile phone SIM (Subscriber Identity Module, subscriber identification module) card as stored value card, the amount of funds of preserving the user's electronic wallet at SIM.Why make stored value card be because the user can be as using real wallet to use this stored value card; Such as only need mobile phone being accomplished payment, will in wallet, the increase fund only need use STK (SIM Tool Kit near the POS terminal when using in the wallet payment of fees on the use of funds; SIM tool box (bag)) menu just can be supplemented with money the fund in the account of backstage in the wallet, the remaining sum that will inquire about wallet only need click the STK menu and just can know or the like, and function that should existing stored value card and implementation have well been simulated the function of true wallet and kept than the better convenience of true wallet.
In existing implementation, there is not user's under a kind of scene of fine simulation use habit, scene is exactly that fund between the wallet is changeed mutually.Changeing in the method that adopts at present mutually for the fund between stored value card is two kinds:
1, the fund that adopts short message mode to accomplish between the user's electronic wallet is changeed mutually.
2, the fund that adopts the POS terminal mode to accomplish between stored value card is changeed mutually.
Need use note to accomplish the request and the affirmation of the transfer of funds for first kind of mode, and because the ageing and reliability of note self, from realizing relatively difficulty;
Then requiring to arrive one for the second way supports the POS end of the mutual rotating function of wallet to accomplish.
The deficiency of these two kinds of methods is: or realize difficulty, otherwise the user uses inconvenience, and this also causes system's great majority of present support stored value card not support the mutual commentaries on classics between the stored value card.
The mutual commentaries on classics of fund that therefore, in the use of stored value card, how can make things convenient for, carry out reliably between wallet just becomes a problem demanding prompt solution.
Summary of the invention
The technical matters that the present invention solved has been to provide fund conversion module, device, the system and method between a kind of portable terminal stored value card, in order to solve inconvenience that fund between present stored value card changes mutually, problem fast not.
Fund conversion module between a kind of portable terminal stored value card is provided in the embodiment of the invention, has comprised:
Transmitting element is used for sending transfer request through the RFID module to other portable terminals;
Receiving element is used to receive the account transfer response that other portable terminals send through the RFID module;
The wallet administration unit is used for when the account transfer response that receives other portable terminals transmissions, according to the account transfer response stored value card being carried out fund and changeing mutually, and form the daily record of transferring accounts.
Provide the fund between a kind of portable terminal stored value card mutual shifting method in the embodiment of the invention, comprised the steps:
Send transfer request through the RFID module to other portable terminals;
Receive the account transfer response that other portable terminals send through the RFID module;
When the account transfer response that receives other portable terminals transmissions, according to the account transfer response stored value card is carried out fund and change mutually, and form the daily record of transferring accounts.
Fund interchanging device between a kind of portable terminal stored value card is provided in the embodiment of the invention, has comprised:
The RFID module is used for the RFID module interaction data with other portable terminals;
The payment processes module; Be used for sending transfer request to other portable terminals through the RFID module; When the account transfer response that receives other portable terminals transmissions through the RFID module; According to the account transfer response stored value card being carried out fund changes mutually, and after daily record is transferred accounts in formation, is uploaded to the payment account plateform system.
A kind of mutual shifting method of fund that utilizes said fund interchanging device is provided in the embodiment of the invention, has comprised the steps:
The payment processes module is sent transfer request through the RFID module to other portable terminals after receiving user's indication;
The payment processes module receives the account transfer response that other portable terminals send through the RFID module;
The payment processes module is carried out fund according to the account transfer response to stored value card changes mutually;
The payment processes module is uploaded to the payment account plateform system after daily record is transferred accounts in formation.
Provide a kind of fund to transfer from one department to another system mutually in the embodiment of the invention, comprised said fund interchanging device, also comprised:
The payment account plateform system is used for according to the daily record of transferring accounts of uploading the stored value card of portable terminal being carried out account balance and upgrades.
Provide a kind of in the embodiment of the invention and utilized said fund to transfer from one department to another the mutual shifting method of fund of uniting mutually, comprised the steps:
The fund interchanging device indicates the back to send transfer request through the RFID module to other portable terminals receiving the user;
The fund interchanging device receives the account transfer response that other portable terminals send through the RFID module;
The fund interchanging device carries out fund according to the account transfer response to stored value card to be changeed mutually;
The fund interchanging device is uploaded to the payment account plateform system after daily record is transferred accounts in formation;
The payment account plateform system carries out account balance according to the daily record of transferring accounts of uploading to the stored value card of portable terminal to be upgraded.
Provide the fund between a kind of portable terminal stored value card mutual shifting method in the embodiment of the invention, comprised the steps:
Portable terminal and other portable terminals carry out fund between stored value card separately change mutually, wherein, passes through RFID module interaction data between portable terminal and other portable terminals;
Portable terminal forms the daily record of transferring accounts after fund is changeed completion mutually;
The portable terminal daily record of will transferring accounts sends to the payment account plateform system, upgrades in order to the stored value card account of payment account plateform system is carried out account balance.
Beneficial effect of the present invention is following:
In the technical scheme that the embodiment of the invention provides, owing to just can utilize portable terminal to transfer accounts between the user through the RFID module, and generate the daily record of transferring accounts; In the time supporting that portable terminal and payment account plateform system carry out the terminal of data interaction; Carry out account balance through the payment account plateform system according to the daily record of transferring accounts through this terminal again and upgrade, so the fund that this programme can let the user carry out stored value card is anywhere or anytime changeed mutually;
On the other hand because what adopt is the communication modes of near field RFID, and reliability is very high, and the remaining sum of the stored value card of the stored value card account of the account platform of can guaranteeing payment and customer mobile terminal is consistent, and satisfies the way to manage of existing stored value card.
Description of drawings
Fig. 1 is the fund conversion module structural representation between the portable terminal stored value card in the embodiment of the invention;
Fig. 2 is the mutual shifting method implementing procedure of the fund between a portable terminal stored value card synoptic diagram in the embodiment of the invention;
Fig. 3 is the fund interchanging device structural representation between the portable terminal stored value card in the embodiment of the invention;
Fig. 4 carries out the method implementing procedure synoptic diagram that fund is changeed mutually for utilizing the fund interchanging device in the embodiment of the invention;
Fig. 5 transfers from one department to another to unite structural representation mutually for fund in the embodiment of the invention;
Fig. 6 carries out the method implementing procedure synoptic diagram that fund is changeed mutually for utilizing fund to transfer from one department to another mutually to unite in the embodiment of the invention;
Fig. 7 is the mutual shifting method implementing procedure of the fund between a portable terminal stored value card synoptic diagram in the embodiment of the invention;
Fig. 8 turns over the implementing procedure synoptic diagram between the user in the journey in the embodiment of the invention in fund mutually;
Fig. 9 is for turn over the implementing procedure synoptic diagram between user and payment account plateform system in the journey in fund in the embodiment of the invention mutually.
Embodiment
The technical scheme that the embodiment of the invention provides relates to the fund of in mobile payment, carrying out between mobile phone wallet changes mutually, can realize between the mobile phone wallet with under the mutual situation of backstage payment platform not accomplishing the mutual commentaries on classics of fund through this scheme.
Comprise mobile terminal payment processing module, portable terminal RFID module, POS terminal, payment account platform etc. in this programme.
The mobile terminal payment processing module is the application on the mobile phone intelligent card, and request and processing that main realization is transferred accounts preserve the daily record of transferring accounts, and the daily record of will transferring accounts are uploaded to the POS terminal.
Portable terminal RFID module mainly realizes the RFID communication between portable terminal and other equipment.
POS is responsible at the terminal receiving the daily record of transferring accounts of uploading with processing RF ID payment mobile phone, and payment platform is issued in the daily record of will transferring accounts.
The payment account plateform system is responsible for handling the daily record of transferring accounts that upload at the POS terminal, and carries out the renewal of the remaining sum of user's electronic wallet account according to the daily record of transferring accounts, and the remaining sum of assurance stored value card account is consistent with the remaining sum in user's SIM.
Among the embodiment; Relating to the POS terminal is because in the data processing technique of existing stored value card; Portable terminal usually all can not be directly and the payment account plateform system carry out data interaction; But need could realize the data interaction between portable terminal and the payment account plateform system through specific equipment, terminal, device etc., for example through the POS terminal, so in the process that embodiment of the present invention is described; Enforcement has for a better understanding of the present invention all related to the POS terminal among the embodiment; But; In theory; So long as can the data on the portable terminal be sent to the payment account plateform system; Make the payment account plateform system can realize the object of the invention according to equipment, terminal, device that these data are carried out data processing to the data that relate to stored value card; The POS terminal only is used to instruct specifically embodiment of the present invention how of those skilled in the art, but does not mean and only can realize the present invention through the POS terminal, can combine demand in practice to confirm corresponding apparatus, terminal, device in the implementation process.
Describe below in conjunction with the accompanying drawing specific embodiments of the invention.
Fig. 1 is the fund conversion module structural representation between the portable terminal stored value card, and is as shown in the figure, can comprise in the module:
Transmitting element 101 is used for sending transfer request through the RFID module to other portable terminals;
Receiving element 102 is used to receive the account transfer response that other portable terminals send through the RFID module;
In the enforcement, the wallet administration unit further is further used for after daily record is transferred accounts in formation, and the daily record of will transferring accounts is uploaded to the payment account plateform system.
In conjunction with above-mentioned introduction, the fund conversion module between the portable terminal stored value card is equivalent to the payment processes module among the application.
Based on same inventive concept, also provide the fund between a kind of portable terminal stored value card mutual shifting method in the embodiment of the invention, describe below.
Fig. 2 is the mutual shifting method implementing procedure of the fund between portable terminal stored value card synoptic diagram, and is as shown in the figure, turns over mutually in the journey and can comprise the steps: in fund
In the enforcement, after daily record is transferred accounts in formation, can further include:
Fig. 3 is the fund interchanging device structural representation between the portable terminal stored value card, and is as shown in the figure, can comprise in the device:
Concrete, the payment processes module can be uploaded to the payment account plateform system through the POS terminal.
In the enforcement, the payment processes module can also be further used for realizing through should be used on the mobile phone intelligent card.
In the enforcement, the fund interchanging device can be positioned at portable terminal.
Accordingly, provide in the embodiment of the invention and utilized this device to carry out the method that fund is changeed mutually, described below.
Fig. 4 utilizes the fund interchanging device to carry out the method implementing procedure synoptic diagram that fund is changeed mutually, and is as shown in the figure, can comprise the steps:
Step 401, payment processes module are sent transfer request through the RFID module to other portable terminals after receiving user's indication;
Step 402, payment processes module receive the account transfer response that other portable terminals send through the RFID module;
Step 403, payment processes module are carried out fund according to the account transfer response to stored value card changes mutually;
Step 404, payment processes module are uploaded to the payment account plateform system after daily record is transferred accounts in formation.
Further, provide in the embodiment of the invention and utilized this device to carry out the system that fund is changeed mutually, described below.
Fig. 5 transfers from one department to another to unite structural representation mutually for fund, and is as shown in the figure, comprises fund interchanging device 501 in the system, also comprises:
Payment account plateform system 503 is used for according to the daily record of transferring accounts that upload at the POS terminal stored value card of portable terminal being carried out account balance and upgrades.
As previously mentioned, also can or install the daily record of to transfer accounts in the enforcement and be uploaded to the payment account plateform system, be not limited in terminal through POS through other terminal, equipment.
Accordingly, provide in the embodiment of the invention and utilized this system to carry out the method that fund is changeed mutually, described below.
Fig. 6 utilizes fund to transfer from one department to another mutually to unite to carry out the method implementing procedure synoptic diagram that fund is changeed mutually, and is as shown in the figure, can comprise the steps:
Based on same inventive concept; Also provide the fund between a kind of portable terminal stored value card mutual shifting method in the embodiment of the invention; Because the principle that this method is dealt with problems is transfered from one department to another system mutually with above-mentioned fund conversion module, fund interchanging device, fund and method of application is similar; Therefore the enforcement of this method can repeat part and repeat no more referring to the enforcement of method.
Fig. 7 is the mutual shifting method implementing procedure of the fund between portable terminal stored value card synoptic diagram, and is as shown in the figure, can comprise the steps:
Step 701, portable terminal and other portable terminals carry out fund between stored value card separately change mutually, wherein, passes through RFID module interaction data between portable terminal and other portable terminals;
Step 702, portable terminal form the daily record of transferring accounts after fund is changeed completion mutually;
The daily record of will transferring accounts of step 703, portable terminal sends to the payment account plateform system, upgrades in order to the stored value card account of payment account plateform system is carried out account balance.
In the practical implementation of such scheme, carry out fund and transfer example mutually to A, two users of B, specifically can be:
Near putting together, distance is in 15CM with mobile phone for the A that need transfer accounts, two users of B.The menu of party A-subscriber's operating mobile terminal payment processes module is filled in concurrent request of transferring accounts of the amount of money of transferring accounts.The portable terminal that party A-subscriber's mobile terminal payment processing module is called portable terminal RFID module and party B-subscriber connects, and sends transfer request.After receiving transfer request, party B-subscriber's portable terminal RFID module submits to the mobile terminal payment processing module.Party B-subscriber's mobile terminal payment processing module is judged party A-subscriber's legitimacy.Party B-subscriber's mobile terminal payment processing module judges whether electronic purse balance amount is enough.The party B-subscriber's mobile terminal payment processing module prompting user affirmation of transferring accounts.The party B-subscriber confirms to transfer accounts.Party B-subscriber's mobile terminal payment processing module is withholdd to stored value card.Party B-subscriber's mobile terminal payment processing module writes down the daily record of transferring accounts.Daily record comprises purpose stored value card number of the account, the amount of money, time.Party B-subscriber's mobile terminal payment processing module is to party A-subscriber's portable terminal revolution account result response.Party A-subscriber's portable terminal RFID module receives transfers accounts result's response and is uploaded to the mobile terminal payment processing module.Party A-subscriber's mobile terminal payment processing module is judged party B-subscriber's legitimacy.Party A-subscriber's mobile terminal payment processing module increases electronic purse balance amount.Party A-subscriber's mobile terminal payment processing module writes down the daily record of transferring accounts.Daily record comprises source stored value card number of the account, the amount of money, time.When party A-subscriber and party B-subscriber use portable terminal to carry out on-the-spot POS payment, the mobile terminal payment processing module will at first be issued the POS terminal with the daily record of transferring accounts.The payment account plateform system is issued in the daily record of will transferring accounts of POS terminal.The payment account plateform system carries out the renewal of user's electronic wallet account balance according to the daily record of transferring accounts.
Describe with instance below.
Fig. 8 is for to turn over the implementing procedure synoptic diagram between the user in the journey in fund mutually; Fig. 9 is for turn over the implementing procedure synoptic diagram between user and payment account plateform system in the journey mutually in fund; As shown in the figure; The overall procedure that changes mutually for fund between the mobile phone electronic wallet is divided into two parts, is divided into corresponding diagram 8 and Fig. 9.Below in conjunction with accompanying drawing, fund between the mobile phone electronic wallet is changeed implementation mutually explain further details.
Step 801:A, party B-subscriber with portable terminal near placing (in the 15CM);
Step 802:A user selects at the interface to transfer accounts and fill in the amount of money, initiates transfer request;
Step 803: the mobile terminal payment processing module is issued portable terminal RFID module with transfer request;
Step 804: connect between two portable terminal RFID modules, party A-subscriber's portable terminal RFID module is issued party B-subscriber's portable terminal RFID module with transfer request;
Step 805:B customer mobile terminal RFID module is submitted to the mobile terminal payment processing module with transfer request;
Step 806: the mobile terminal payment processing module is judged party A-subscriber's legitimacy.If it is legal then to step 807; Otherwise to step 818;
Step 807: the mobile terminal payment processing module judges whether electronic purse balance amount is enough.If enough then to step 808; Otherwise to step 818;
Step 808: the prompting party B-subscriber affirmation of transferring accounts;
The step 809:B user affirmation of transferring accounts;
Step 810: if the party B-subscriber confirms to transfer accounts, then arrive step 811, otherwise to step 818;
Step 811:B customer mobile terminal payment processes module is withholdd to stored value card;
The daily record of transferring accounts of step 812:B customer mobile terminal payment processes module records.Daily record comprises purpose stored value card number of the account, the amount of money, time, and this daily record is labeled as unconfirmed;
Step 813:B customer mobile terminal payment processes module is to party A-subscriber's portable terminal revolution account result response;
Step 814:A user's portable terminal RFID module receives transfers accounts result's response and is uploaded to the mobile terminal payment processing module;
Step 815: the mobile terminal payment processing module is judged party B-subscriber's legitimacy.If it is legal then to step 816; Otherwise to step 818;
Step 816:A user's mobile terminal payment processing module increases electronic purse balance amount;
Step 817:A user's mobile terminal payment processing module writes down the daily record of transferring accounts.Daily record comprises source stored value card number of the account, the amount of money, time, and this daily record is labeled as unconfirmed;
Step 818: flow process finishes.
Step 901: the user uses stored value card to pay;
Step 902: the mobile terminal payment processing module is issued the POS terminal with the unacknowledged daily record of transferring accounts;
The payment account plateform system is issued in the daily record of will transferring accounts of step 903:POS terminal;
Step 904: the payment account plateform system judges it is the side's of transferring accounts daily record or take over party's daily record according to the daily record of transferring accounts;
Step 905: if step 906 is then arrived in the side's of transferring accounts daily record, otherwise to step 907;
Step 906: the payment account plateform system reduces user's electronic wallet account balance, forwards step 908 to;
Step 907: the payment account plateform system increases user's electronic wallet account balance;
Step 908: the payment account plateform system returns result to the POS terminal;
Step 909:POS returns result to portable terminal in the terminal;
Step 910: the mobile terminal payment processing module daily record mark of will transferring accounts is confirmed;
Step 911: flow process finishes.
For the convenience of describing, the each several part of the above device is divided into various modules with function or the unit is described respectively.Certainly, when embodiment of the present invention, can in same or a plurality of softwares or hardware, realize the function of each module or unit.
Those skilled in the art should understand that embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt the form of the embodiment of complete hardware embodiment, complete software implementation example or combination software and hardware aspect.And the present invention can be employed in the form that one or more computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) that wherein include computer usable program code go up the computer program of implementing.
The present invention is that reference is described according to the process flow diagram and/or the block scheme of method, equipment (system) and the computer program of the embodiment of the invention.Should understand can be by the flow process in each flow process in computer program instructions realization flow figure and/or the block scheme and/or square frame and process flow diagram and/or the block scheme and/or the combination of square frame.Can provide these computer program instructions to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, make the instruction of carrying out through the processor of computing machine or other programmable data processing device produce to be used for the device of the function that is implemented in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame appointments.
These computer program instructions also can be stored in ability vectoring computer or the computer-readable memory of other programmable data processing device with ad hoc fashion work; Make the instruction that is stored in this computer-readable memory produce the manufacture that comprises command device, this command device is implemented in the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame.
These computer program instructions also can be loaded on computing machine or other programmable data processing device; Make on computing machine or other programmable devices and to carry out the sequence of operations step producing computer implemented processing, thereby the instruction of on computing machine or other programmable devices, carrying out is provided for being implemented in the step of the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame.
Although described the preferred embodiments of the present invention, in a single day those skilled in the art get the basic inventive concept could of cicada, then can make other change and modification to these embodiment.So accompanying claims is intended to be interpreted as all changes and the modification that comprises preferred embodiment and fall into the scope of the invention.
Claims (11)
1. the fund conversion module between a portable terminal stored value card is characterized in that, comprising:
Transmitting element is used for sending transfer request through the radio frequency discrimination RFID module to other portable terminals;
Receiving element is used to receive the account transfer response that other portable terminals send through the RFID module;
The wallet administration unit is used for when the account transfer response that receives other portable terminals transmissions, according to the account transfer response stored value card being carried out fund and changeing mutually, and form the daily record of transferring accounts.
2. fund conversion module as claimed in claim 1 is characterized in that the wallet administration unit is further used for after daily record is transferred accounts in formation, and the daily record of will transferring accounts is uploaded to the payment account plateform system.
3. the mutual shifting method of fund between a portable terminal stored value card is characterized in that, comprises the steps:
Send transfer request through the RFID module to other portable terminals;
Receive the account transfer response that other portable terminals send through the RFID module;
When the account transfer response that receives other portable terminals transmissions, according to the account transfer response stored value card is carried out fund and change mutually, and form the daily record of transferring accounts.
4. method as claimed in claim 3 is characterized in that, after daily record is transferred accounts in formation, further comprises:
The daily record of will transferring accounts is uploaded to the payment account plateform system.
5. the fund interchanging device between a portable terminal stored value card is characterized in that, comprising:
The RFID module is used for the RFID module interaction data with other portable terminals;
The payment processes module; Be used for sending transfer request to other portable terminals through the RFID module; When the account transfer response that receives other portable terminals transmissions through the RFID module; According to the account transfer response stored value card being carried out fund changes mutually, and after daily record is transferred accounts in formation, is uploaded to the payment account plateform system.
6. device as claimed in claim 5 is characterized in that, the payment processes module is further used for realizing through should be used on the mobile phone intelligent card.
7. device as claimed in claim 5 is characterized in that the fund interchanging device is positioned at portable terminal.
8. the mutual shifting method of fund that utilizes claim 5 or 6 or 7 said devices is characterized in that, comprises the steps:
The payment processes module is sent transfer request through the RFID module to other portable terminals after receiving user's indication;
The payment processes module receives the account transfer response that other portable terminals send through the RFID module;
The payment processes module is carried out fund according to the account transfer response to stored value card changes mutually;
The payment processes module is uploaded to the payment account plateform system after daily record is transferred accounts in formation.
9. a fund is transfered from one department to another system mutually, it is characterized in that, comprises like claim 5 or 6 or 7 described devices, also comprises:
The payment account plateform system is used for according to the daily record of transferring accounts of uploading the stored value card of portable terminal being carried out account balance and upgrades.
10. the mutual shifting method of fund that utilizes the said system of claim 9 is characterized in that, comprises the steps:
The fund interchanging device indicates the back to send transfer request through the RFID module to other portable terminals receiving the user;
The fund interchanging device receives the account transfer response that other portable terminals send through the RFID module;
The fund interchanging device carries out fund according to the account transfer response to stored value card to be changeed mutually;
The fund interchanging device is uploaded to the payment account plateform system after daily record is transferred accounts in formation;
The payment account plateform system carries out account balance according to the daily record of transferring accounts of uploading to the stored value card of portable terminal to be upgraded.
11. the mutual shifting method of fund between a portable terminal stored value card is characterized in that, comprises the steps:
Portable terminal and other portable terminals carry out fund between stored value card separately change mutually, wherein, passes through RFID module interaction data between portable terminal and other portable terminals;
Portable terminal forms the daily record of transferring accounts after fund is changeed completion mutually;
The portable terminal daily record of will transferring accounts sends to the payment account plateform system, upgrades in order to the stored value card account of payment account plateform system is carried out account balance.
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| CN2010105860364A CN102568113A (en) | 2010-12-13 | 2010-12-13 | Module, device, system and method for capital transfer among electronic purses of mobile terminals |
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| CN2010105860364A CN102568113A (en) | 2010-12-13 | 2010-12-13 | Module, device, system and method for capital transfer among electronic purses of mobile terminals |
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| CN105656850A (en) * | 2014-11-13 | 2016-06-08 | 腾讯数码（深圳）有限公司 | Data processing method, and related device and system |
| CN105656850B (en) * | 2014-11-13 | 2020-08-14 | 腾讯数码（深圳）有限公司 | Data processing method, related device and system |
| WO2016086723A1 (en) * | 2014-12-04 | 2016-06-09 | 苏州海博智能系统有限公司 | Bank card transfer payment method |
| US11068884B2 (en) | 2014-12-04 | 2021-07-20 | Hierstar (Suzhou)., Ltd. | E-wallet transfer payment method and system based on PKI smart card |
| CN105808905A (en) * | 2014-12-30 | 2016-07-27 | 金蝶软件（中国）有限公司 | Balance calculation method and apparatus |
| CN105808905B (en) * | 2014-12-30 | 2019-04-02 | 金蝶软件（中国）有限公司 | Remaining sum calculation method and device |
| CN112926962A (en) * | 2021-01-20 | 2021-06-08 | 北京思特奇信息技术股份有限公司 | Method and system for repairing abnormal business handling according to change of expenses |
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