CN102892096A

CN102892096A - System, method, business operation support system (BOSS) and equipment for realizing account recharge

Info

Publication number: CN102892096A
Application number: CN2011102024789A
Authority: CN
Inventors: 王萍; 张彪; 罗健; 张雨廷; 郭漫雪
Original assignee: China Mobile Communications Group Co Ltd
Current assignee: China Mobile Communications Group Co Ltd
Priority date: 2011-07-19
Filing date: 2011-07-19
Publication date: 2013-01-23
Anticipated expiration: 2031-07-19
Also published as: CN102892096B

Abstract

The invention discloses a system and a method for realizing account recharge, for solving the problem of incapability of realizing mutual recharge between a payment background account of an agent and a payment business account of a user by adopting the prior art. The system comprises a POS (Point of Sale) business platform, a BOSS and a central payment platform, wherein the POS business platform is used for receiving POS identification, recharge limit information, recharge type information and user card identification, determining user identification corresponding to the user card identification and agent identification corresponding to the POS identification, and sending the recharge limit information, the recharge type information, the user identification and the agent identification to the BOSS; the BOSS is used for determining the payment background account of a user and the payment background account of the agent, and sending the recharge type information, the recharge limit information, the payment background account of the user and the payment background account of the agent to the central payment platform; and the central payment platform is used for adjusting amount information of the payment background account of the user and the payment background account of the agent. The invention further discloses the BOSS and POS business platform equipment.

Description

Realize system, method, business operation support system and the equipment of account charging

Technical field

The present invention relates to communication technical field, relate in particular to a kind of system, method, business operation support system and equipment of realizing account charging.

Background technology

Along with the development of mobile communication technology, the professional mobile payment service that waits of mobile phone wallet is more and more universal.Wherein, take the mobile phone wallet business as example, it is the small amount stored value card business based on radio RF recognition technology (RFID, Radio Frequency IDentification) of Mobile Network Operator exploitation.The user is after opening the mobile phone wallet business, can change a mobile phone wallet card (usually in the Mobile Network Operator business hall, the mobile phone wallet card here can but be not limited to the special SIM card of supporting the RFID function, common integrated circuit card (IC-card, Integrated Circuit Card), paste card etc.).After this, the user utilizes the terminal (such as mobile phone) that this special SIM card is installed, just can carry out in businessman's (for example convenience store, market, supermarket, public transport) that cloth is placed with point-of-sale terminal (POS, Point Of Sale) scene (brush machine) consumption of swiping the card.

The user who opens the mobile phone wallet business has a mobile phone wallet card local account.When using mobile phone wallet card local account, need in mobile phone wallet card local account, to be filled with certain amount of money in advance, then just can carry out operations such as buying article by " brush machine " mode of the similar POS of utilization brush mass transit card.Similarly, when the user opens other mobile payment services except the mobile phone wallet business, also can correspondingly have one or more accounts, these accounts can be referred to as user's payment transaction account.Usually, user's payment transaction account comprises that card local account (such as mobile phone wallet card local account and open other mobile payment services and the local account that produces all can be regarded the card local account as) and user pay the backstage account.

User's payment transaction account of user and user's credit account are different.In the prior art, existing very ripe system support is supplemented with money for user's credit account.Finish process to the telephone expenses account charging as example take the user by the agent, this process just is based on one by user, agent and business operation support system (BOSS, Business; Operation Support System) the very ripe system that consists of is finished, and its specific implementation schematic diagram comprises the steps: as shown in Figure 1

Step 11, the user pays telephone expenses at the agent place;

Step 12, the agent is by interactive voice answering (IVR, Interactive Voice Response)/short message mode initiates aerial charging request to BOSS, comprises subscriber phone number, agent's phone number in this aerial charging request, supplements amount etc. with money;

Step 13, after BOSS receives aerial charging request, according to agent's phone number with supplement amount with money, from agent's telephone expenses account, reduce with this and supplement the corresponding amount of money of amount with money, and according to subscriber phone number with supplement amount with money, be filled with this to user's telephone expenses account and supplement the corresponding amount of money of amount with money;

Step 14, BOSS returns successful recharging by the IVR/ short message mode and responds to the agent;

Step 15, the agent after receiving successful recharging response, the prompting user successful recharging, flow process finishes.

Above-mentioned steps namely is embodied as the flow process that user's credit account is supplemented with money by the agent.Yet, for user's payment transaction account, because the agent can't be known special SIM card that the user uses and the corresponding relation of user's payment transaction account, BOSS also only knows agent's credit account and does not know that the agent pays the backstage account simultaneously, therefore, above-mentioned steps is not suitable for the agent and utilizes the agent to pay the scene that the backstage account is supplemented with money for user's payment transaction account of user.Based on identical reason, above-mentioned steps is not suitable for user's payment transaction account of utilizing the user is paid the backstage account charging for the agent scene yet.

Summary of the invention

The embodiment of the invention provides a kind of system and method for realizing account charging, adopts prior art can't realize that the agent pays the problem of mutually supplementing with money between backstage account and the user's payment transaction account in order to solve.

The embodiment of the invention also provides a kind of BOSS and POS service platform equipment.

The embodiment of the invention is by the following technical solutions:

A kind of system that realizes account charging comprises POS service platform, business operation support system BOSS and center payment platform, wherein:

The POS service platform, the subscriber card sign that be used for to receive POS sign that POS sends, supplement amount information with money, supplement type information with money, POS reads, and from the corresponding relation of pre-stored subscriber card sign and user ID, determine that the subscriber card that sends with POS identifies corresponding user ID, and from the corresponding relation that POS identifies and the agent identifies of storage, POS definite and that POS sends identifies corresponding agent and identifies; And will supplement amount information with money, supplement type information and definite user ID and agent's sign with money and send to business operation support system BOSS; BOSS, be used for paying from pre-stored user ID and user the corresponding relation of backstage account, determine that user corresponding to user ID that the POS service platform sends pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of POS service platform transmission pays the backstage account; And will supplement type information with money, supplement amount information and definite user with money and pay backstage account and agent and pay the backstage account and send to the center payment platform; The center payment platform is used for according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage.

Optionally, the center payment platform specifically comprises: supplement tactful determining unit with money, be used for the corresponding relation of supplementing type information with money and supplementing strategy with money from pre-stored, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And supplement performance element with money, be used for supplementing strategy with money when paying the backstage account charging for utilizing the agent to pay the backstage account for the user when what supplement that tactful determining unit determines with money, carry out from the agent who determines and pay deduction the account of backstage and describedly supplement the amount of money corresponding to amount information with money, pay the operation of the described corresponding amount of money of increase in the account of backstage definite user; Supplement strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what supplement that tactful determining unit determines with money, carry out from the agent who determines pay the described correspondence of deduction the account of backstage the amount of money, pay the operation that increases the amount of money of described correspondence in the account of backstage the user who determines; And pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and carry out from the user who determines and pay the amount of money of deducting described correspondence the account of backstage, the operation that in the mapping account of determining, increases the amount of money of described correspondence; Supplement strategy with money when paying the backstage account charging for the user who utilizes the user pays the backstage account for the agent when what supplement that tactful determining unit determines with money, carry out from the user who determines and pay deduction the account of backstage and describedly supplement the amount of money corresponding to amount information with money, pay the operation of the described corresponding amount of money of increase in the account of backstage the agent who determines; Supplement strategy with money when paying the backstage account charging for the card local account that utilizes the user for the agent when what supplement that tactful determining unit determines with money, pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and the operation of carrying out the amount of money of the described correspondence of deduction from the mapping account of determining; And carry out and to determine that the agent pays the operation of the amount of money of the described correspondence of middle increase of backstage account.

Optionally, described system also comprises POS, and supplementing strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what determine, POS specifically comprises: the sign reading unit is used for reading the subscriber card sign from subscriber card; The information acquisition unit is used for obtaining to supplement amount information with money, supplement type information with money; Information transmitting unit is used for the POS sign of POS self, subscriber card sign that the sign reading unit reads, the amount information of supplementing with money that the information acquisition unit obtains and supplements type information with money sending to the POS service platform; The recharging result receiving element, be used for after the center payment platform is carried out the mapping account of determining and increased the operation of the amount of money of described correspondence, the receiving center payment platform sends is used to indicate the recharging result that the agent pays current amount information in backstage account and the described mapping account; The checking request transmitting unit is used for after the recharging result receiving element receives described recharging result, sends the checking request to described subscriber card; The random number receiving element is used for receiving described subscriber card according to the random number of the checking request feedback of checking request transmitting unit transmission; The verification code information generation unit, the identifying code generating algorithm that is used for the random number that receives according to the random number receiving element and arranges with described subscriber card in advance generates the first verification code information and sends to described subscriber card; The acknowledge message receiving element is used for receiving described subscriber card and passes through acknowledge message with described subscriber card according to the consistent rear checking that sends of the second verification code information coupling of described random number and the generation of described algorithm in the first verification code information that compares the transmission of verification code information generation unit; Updating block is used for the described recharging result according to the reception of recharging result receiving element, upgrades the amount information in the card local account of storing in the described subscriber card.

Optionally, described center payment platform specifically comprises:

The information acquisition unit is used for obtaining the verification code information that POS reads from described subscriber card; The information determining unit for the corresponding relation of paying backstage account and verification code information from pre-stored user, is determined to pay verification code information corresponding to backstage account with described definite user; Whether comparing unit is used for the definite verification code information of comparison information determining unit and mates consistent with the verification code information that the information acquisition unit obtains; Amount of money adjustment unit is used for the comparative result that obtains at comparing unit when being, according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage.

Optionally, described system also comprises POS, and POS specifically comprises:

The request message transmitting element is used for carrying the Card Reader request message that reads key to the subscriber card transmission; Card reading unit, be used for behind the notification message of the permission POS Card Reader that receives described subscriber card feedback, read described subscriber card sign, wherein, the notification message of described permission POS Card Reader be subscriber card judge the Card Reader authority that has that self prestores POS read include in the key carry in the Card Reader request message that the request message transmitting element sends read key after send; The information acquisition unit is used for obtaining to supplement amount information with money, supplement type information with money; Transmitting element is used for the POS sign of POS self, subscriber card sign that card reading unit reads, the amount information of supplementing with money that the information acquisition unit obtains and supplements type information with money sending to the POS service platform.

A kind of method that realizes account charging comprises:

The subscriber card sign that the POS service platform receives POS sign that point-of-sale terminal POS sends, supplements amount information with money, supplements type information with money, POS reads; The POS service platform is from the corresponding relation of pre-stored subscriber card sign and user ID, determine that the subscriber card that sends with POS identifies corresponding user ID, and from the corresponding relation that POS identifies and the agent identifies of storage, POS definite and that POS sends identifies corresponding agent and identifies; The POS service platform will supplement amount information with money, supplement type information with money and definite user ID and agent's sign sends to business operation support system BOSS; BOSS pays the corresponding relation of backstage account from pre-stored user ID and user, determine that user corresponding to user ID that the POS service platform sends pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of POS service platform transmission pays the backstage account; BOSS will supplement type information with money, supplement amount information and definite user with money pays backstage account and agent and pays the backstage account and send to the center payment platform; The center payment platform is according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage.

A kind of POS service platform equipment comprises: receiving element, the subscriber card sign that be used for to receive POS sign that POS sends, supplement amount information with money, supplement type information with money, POS reads; Determining unit, be used for from the corresponding relation of pre-stored subscriber card sign with user ID, determine user ID corresponding to subscriber card sign that receiving element receives, and from the corresponding relation that POS identifies and the agent identifies of storage, determine that the agent of the POS sign correspondence that receiving element receives identifies; Transmitting element, is supplemented user ID and the agent's sign that type information and determining unit determine with money and is sent to business operation support system BOSS at the amount information of supplementing with money that is used for receiving element is received.

A kind of business operation support system comprises: receiving element be used for to receive the amount information of supplementing with money that the POS service platform sends, supplements type information, user ID, agent's sign with money; Determining unit, be used for paying from pre-stored user ID and user the corresponding relation of backstage account, determine that user corresponding to user ID that receiving element receives pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of receiving element reception pays the backstage account; Transmitting element is used for supplementing type information with money, supplementing that the user who determines that amount information and determining unit determine pays the backstage account, the agent pays the backstage account and sends to the center payment platform with money what receiving element received.

The beneficial effect of the embodiment of the invention is as follows:

The such scheme that the embodiment of the invention provides is determined agent's sign by the POS service platform according to the POS sign that POS sends, determine user ID according to the subscriber card sign that POS sends, and agent sign and user ID offered BOSS, thereby BOSS just can determine that the user pays the backstage account from pre-stored user ID and user pay the corresponding relation of backstage account, and pay from agent sign and agent that definite agent pays the backstage account the corresponding relation of backstage account, at last by the center payment platform according to supplementing type information with money and supplementing amount information adjustment user with money and pay backstage account and agent and pay amount information in the account of backstage, just can realize that the user pays backstage account and agent and pays between the account of backstage and mutually supplement with money.

Description of drawings

Fig. 1 is that the user finishes process schematic diagram to the telephone expenses account charging by the agent in the prior art;

A kind of idiographic flow schematic diagram of realizing the method for account charging that Fig. 2 provides for the embodiment of the invention;

Fig. 3 a is the enforcement scene schematic diagram of embodiment 1～4;

Fig. 3 b utilizes POS to pay the idiographic flow schematic diagram of backstage account charging for user's user;

Fig. 4 is the idiographic flow schematic diagram that utilizes POS to supplement with money for user's card local account;

Fig. 5 utilizes user's user to pay the backstage account is paid the backstage account charging for the agent idiographic flow schematic diagram;

Fig. 6 utilizes user's card local account to pay the idiographic flow schematic diagram of backstage account charging for the agent;

Fig. 7 is the schematic flow sheet of mutual enciphered message between functional entity as shown in Figure 2;

A kind of concrete structure schematic diagram of realizing the system of account charging that Fig. 8 provides for the embodiment of the invention.

Embodiment

For being provided, the account charging scheme that adopts prior art to provide to realize utilizing the agent to pay the backstage account being user's payment transaction account charging of user, also can't realize utilizing user's payment transaction account to pay the problem of backstage account charging for the agent, the embodiment of the invention provides a kind of method that realizes account charging based on POS, no matter be to utilize the agent to pay the backstage account to be user's payment transaction account charging of user, still utilize user's payment transaction account to pay the backstage account charging for the agent, the scheme that adopts the embodiment of the invention to provide can both realize that those supplement demand with money.

Below in conjunction with accompanying drawing, describe the scheme that the embodiment of the invention provides in detail.

At first, the embodiment of the invention provides a kind of method based on POS realization account charging as shown in Figure 2, and the method mainly comprises following key step:

Step 21, POS service platform receive that POS sends from the POS sign, supplement amount information with money, supplement type information with money, subscriber card sign that POS reads;

Usually, POS is the above-mentioned subscriber card sign of reading and sending from the subscriber card of supporting radio RF recognition technology.

Step 22, the POS service platform is from the corresponding relation of pre-stored subscriber card sign and user ID, determine that the subscriber card that sends with POS identifies corresponding user ID, and from the corresponding relation that POS identifies and the agent identifies of storage, POS definite and that POS sends identifies corresponding agent and identifies;

Step 23, POS service platform will supplement amount information with money, supplement type information with money and definite user ID and agent's sign sends to BOSS;

Step 24, BOSS pays the corresponding relation of backstage account from pre-stored user ID and user, determine that user corresponding to user ID that the POS service platform sends pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of POS service platform transmission pays the backstage account;

Step 25, BOSS will supplement type information with money, supplement amount information and definite user with money pays backstage account and agent and pays the backstage account and send to the center payment platform;

Step 26, center payment platform be according to supplementing type information with money, supplementing amount information with money, adjusts the user who determines and pay backstage account and agent and pay amount information in the account of backstage.

For above-mentioned steps 26, its specific implementation can be supplemented type information with money and supplements with money the corresponding relation of strategy from pre-stored for: center payment platform, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And then according to supplementing strategy with money, supplement amount information with money, adjust the user who determines and pay backstage account and agent and pay amount information in the account of backstage.In embodiments of the present invention, supplement strategy with money and following several situation may occur:

Situation one: supplement strategy with money and pay the backstage account charging for utilizing the agent to pay the backstage account for the user.At this moment, the center payment platform is carried out from the agent who determines and is paid deduction is corresponding with supplementing amount information with money the account of backstage the amount of money, pays the operation of this corresponding amount of money of increase in the account of backstage definite user.

Situation two: supplement strategy with money and supplement with money for the card local account of storing in the subscriber card for utilizing the agent to pay the backstage account.At this moment, the center payment platform is carried out from the agent who determines and is paid deduction is corresponding with supplementing amount information with money the account of backstage the amount of money, pays the operation of this corresponding amount of money of increase in the account of backstage definite user.Further, the center payment platform is also paid the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with the user who determines, and then carry out from the user who determines pay deduction is corresponding with supplementing amount information with money the account of backstage the amount of money, the operation of this corresponding amount of money of increase in definite mapping account.

Situation three: supplement strategy with money and pay the backstage account charging for the user who utilizes the user pays the backstage account for the agent.At this moment, the center payment platform is carried out from the user who determines and is paid deduction is corresponding with supplementing amount information with money the account of backstage the amount of money, pays the operation of this corresponding amount of money of increase in the account of backstage definite agent.

Situation four: supplement strategy with money for to utilize user's card local account to pay the backstage account charging for the agent.At this moment, pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with the user who determines, and the operation of carrying out the amount of money that deduction is corresponding with supplementing amount information with money from the mapping account of determining; And carry out and to determine that the agent pays the operation of the middle increase of the backstage account amount of money corresponding with supplementing amount information with money.

For above-mentioned situation two, supplement strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what determine, increase the operation of the amount of money corresponding with supplementing amount information with money in the mapping account of determining after, the said method that the embodiment of the invention provides can further include following step:

At first, POS in being used to indicate of receiving that the center payment platform the sends recharging result that the agent pays current amount information in backstage account and the mapping account (usually, this recharging result is to re-send to POS's via center payment platform, BOSS, POS service platform after transmitting successively) after, send the checking request to subscriber card, and receive subscriber card according to the random number of this checking request feedback;

Then, the random number that POS sends according to subscriber card and the identifying code generating algorithm of arranging with subscriber card in advance, generate the first verification code information and send to subscriber card, and receive subscriber card and pass through acknowledge message in the checking that compares the consistent rear transmission of the second verification code information coupling that the first verification code information and subscriber card generate according to this random number and above-mentioned algorithm;

At last, POS upgrades the amount information in the card local account of storing in the subscriber card according to above-mentioned recharging result.

Optionally, in embodiments of the present invention, the center payment platform is supplemented when operation with money in execution, can verify the legitimacy of subscriber card first, illegal subscriber card is supplemented with money avoiding.Particularly, the center payment platform at first can obtain the verification code information that POS reads from subscriber card; Then, the center payment platform is paid the corresponding relation of backstage account and verification code information from pre-stored user, determines to pay verification code information corresponding to backstage account with the user who determines; At last, the center payment platform mates when consistent comparing definite verification code information and the verification code information that reads, again according to supplementing type information with money, supplementing amount information with money, adjust the user who determines and pay backstage account and agent and pay amount information in the account of backstage.

Optionally, read data in the subscriber card for fear of illegal POS, POS reads the subscriber card sign from subscriber card process is specifically as follows:

At first, POS sends to subscriber card and carries the Card Reader request message that reads key;

Then, POS reads the subscriber card sign behind the notification message of the permission POS Card Reader that receives the subscriber card feedback.Wherein, the notification message of this permission POS Card Reader be subscriber card judge the Card Reader authority that has that self prestores POS read include in the key carry in the Card Reader request message read key after send.

Below take specific embodiment 1～4 as example, describe the scheme application process in practice that the embodiment of the invention provides in detail.Wherein, embodiment 1 namely utilizes the agent to pay the backstage account is paid the backstage account charging for user's user process for to utilize POS to pay the process of backstage account charging for user's user; The process of embodiment 2 for utilizing POS to supplement with money for user's card local account namely utilizes the agent to pay the process that the backstage account is supplemented with money for user's card local account; Embodiment 3 is for to utilize user's user to pay the backstage account is paid the backstage account charging for the agent process; Embodiment 4 pays the process of backstage account charging for the agent for the card local account that utilizes the user.

Before introducing each embodiment, be necessary the enforcement scene of embodiment is introduced.The enforcement scene of embodiment 1～4 is similar, its schematic diagram is shown in Fig. 3 a, the subscriber card terminal of subscriber card (or comprise) 201, POS-C 202 (being the employed POS of agent), the L-POSP 203 (i.e. the POS service platform of this locality) that mainly comprise the employed support of user RFID function, BOSS 204 and center payment platform 205.The detailed introduction of the above-mentioned functions entity that comprises under this scene is as follows respectively:

The subscriber card terminal of subscriber card (or comprise) 201: the sequence number that is used for maintenance customer's card local account and the subscriber card terminal of subscriber card (or comprise) 201, the subscriber card terminal of subscriber card (or comprise) 201 can but be not limited to personality card in the described support of background technology part RFID function, the type of card then can but to be not limited to be SIM card, usim card, IC-card etc.;

POS-C 202: i.e. the employed POS of agent, it is mainly used in reading the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 from the subscriber card terminal of subscriber card (or comprise) 201, and finish authentication, checking to the subscriber card terminal of subscriber card (or comprise) 201, and the card local account of safeguarding in the subscriber card terminal of subscriber card (or comprise) 201 carried out the function of supplementing with money and withhold etc., in addition, also realize initiating to L-POSP 203 function of charging request and payment request;

L-POSP 203: i.e. local POS service platform, charging request and payment request that it is initiated mainly for the treatment of POS-C 202, and safeguard that the sign (such as sequence number) of POS-C 202 and agent identify (such as the number of the employed landline telephone of agent, employed mobile terminal number of agent (such as phone number etc.) etc.) corresponding relation, the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 and user ID are (such as the number of the employed landline telephone of user, employed mobile terminal number of user (such as phone number etc.) etc.) corresponding relation, and according to the variation of those corresponding relations, realize dynamically updating those corresponding relations of its maintenance;

BOSS 204: the user who mainly is in charge of the user pays the backstage account, the agent pays the backstage account, and maintenance customer's the user corresponding relation, the agent that pay backstage account and user ID pays the corresponding relation of backstage account and agent's sign.The charging request and the payment that are used in addition initiating according to POS-C 202 are asked, by send the mode of corresponding charging request and payment request to center payment platform 205,205 pairs of corresponding payments of payment platform backstage, request center account is carried out the operation of withholing or supplementing with money;

Center payment platform 205: be mainly used in safeguarding payment backstage account (comprising that the user pays the backstage account and the agent pays the backstage account), and the charging request and the payment request that send according to BOSS 204, corresponding payment backstage account is carried out the operation of withholing or supplementing with money, and notified BOSS 204 with operating result.

Below introduce respectively each embodiment.

Embodiment 1

In the present embodiment 1, what realize is to utilize POS to pay the backstage account charging for user's user, namely will realize utilizing the agent to pay the backstage account and pay the backstage account charging for user's user.Based on enforcement scene as shown in Figure 2, the implementation procedure of embodiment 1 can comprise the following step shown in Fig. 3 b:

Step 31, POS-C 202 receive the agent entering POS-C 202 supplement with money menu and the input " user pays the backstage account charging " this signal after, read the sequence number of the subscriber card terminal of subscriber card (or comprise) 201, and the amount information of supplementing with money of Receiving Agent merchant input;

Step 32, the user that POS-C 202 is sent as the user to L-POSP 203 pays the request of backstage account charging, and this request carries sign (can be the sequence number of POS-C 202 such as the sign of said POS-C 202 here) of the subscriber card that the reads terminal of subscriber card (or comprise) 201 sequence number, the amount information of supplementing with money of reception, POS-C 202 self etc.;

Optionally, can also carry in this request this execution for user's user pays the serial number of backstage this operation of account charging, wherein, the serial number of different operating is different.The benefit that operation is equipped with serial number is, when supplementing operation with money when more, can search according to serial number easily and supplement accordingly operation with money.

Optionally, can also carry in this request the user in advance with the password of supplementing with money of BOSS agreement.This is supplemented password with money and can regard as and can be used for authentication information that user's legal identity is identified.

Step 33, L-POSP 203 is after receiving user for the user and paying the request of backstage account charging, from this request, parse the sign of POS-C 202, and according to the sign of pre-stored POS-C 202 and the corresponding relation of agent's phone number, determine the corresponding agent's phone number of sign of the POS-C 202 that parses;

Step 34, L-POSP 203 further parses the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 from above-mentioned request, and according to the pre-stored subscriber card terminal of subscriber card (or comprise) 201 sequence number and the corresponding relation of subscriber phone number, the corresponding subscriber phone number of sequence number of the subscriber card of determining the to parse terminal of subscriber card (or comprise) 201;

Need to prove, it will be understood by those skilled in the art that above-mentioned steps 33,34 execution sequence can be very flexible.Except first execution in step 33 as noted above being arranged again the execution sequence of execution in step 34, can also first execution in step 34 execution in step 33 again, or executed in parallel step 33,34.The embodiment of the invention is not done restriction to this.

Step 35, L-POSP 203 sends to BOSS 204 with agent's phone number of supplementing amount information with money and determining and the subscriber phone number that carries in the above-mentioned request, simultaneously, the request type of " paying the request of backstage account charging for user's user " that L-POSP 203 also sends according to POS-C 202, to BOSS 204 send one be used to indicate need to pay for user's user the backstage account charging supplement sign A with money;

Optionally, if also carry serial number in the above-mentioned request and supplement password with money, then L-POSP 203 can also and supplement password with money with serial number and send to BOSS 204.

Step 36, BOSS 204 is according to the subscriber phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored subscriber phone number and user's user, determine that user corresponding to this subscriber phone number who receives pays the backstage account, and according to the agent's phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored agent's phone number and agent, determine that agent corresponding to this agent's phone number who receives pays the backstage account, then execution in step 37;

Optionally, after determining the user and paying backstage account and agent and pay the backstage account, can also be further the user being paid the legitimacy that backstage account and agent pay the backstage account verifies, and verify out definite user pay backstage account and agent pay the backstage account all legal after, execution in step 37 again.Particularly, can require the user to input the user validation sign that it is being opened the user and is distributed by BOSS 204 when paying the backstage account, and pay user validation sign corresponding to backstage account by this user validation sign relatively and the user with this user of BOSS 204 storages and whether mate unanimously, come authentication of users to pay the legitimacy of backstage account.Similarly, pay the backstage account for the agent, agent's legitimacy sign that also can require the agent to utilize POS-C 202 input agents to be assigned with, and by the paying agent's legitimacy corresponding to backstage account with this agential agent and identify and whether mate unanimously of this agent's legitimacy sign relatively and BOSS 204 storages, verify that the agent pays the legitimacy of backstage account.

Step 37, BOSS 204 with the user who determines pay that backstage account and agent pay the backstage account, the amount information of supplementing with money that sent by L-POSP 203 and supplement sign A with money and send to center payment platform 205;

Optionally, if also carry serial number in the above-mentioned request, then BOSS 204 can also send to serial number center payment platform 205.

Step 38, center payment platform 205 according to BOSS 204 send supplement with money the sign A, supplement sign with money and supplement with money the tactful corresponding relation from what make an appointment, determine with this supplement with money sign A corresponding supplement strategy with money for after " for user's user pays the backstage account charging ", the amount information of supplementing with money that executive basis BOSS 204 sends, the agent who sends from BOSS 204 pays the account of backstage deduction and supplements the amount of money corresponding to amount information with money with this, pays in the account of backstage increase the user that BOSS 204 sends and supplement the operation of the amount of money corresponding to amount information with money with this;

Step 39, center payment platform 205 sends to BOSS 204 with recharging result, and wherein, the recharging result here generally can be paid amount information current in the account of backstage for the user that the agent pays current amount information in the account of backstage and user;

Optionally, if in step 37, BOSS 204 also sends to serial number center payment platform 205, and in step 39, center payment platform 205 also sends to BOSS 204 with corresponding serial number when recharging result is sent to BOSS 204 so.

Step 310, BOSS 204 sends to L-POSP 203 with above-mentioned recharging result;

Optionally, if center payment platform 205 sends to BOSS 204 with corresponding serial number, BOSS204 sends to L-POSP 203 with this serial number so.

Step 311, L-POSP 203 sends to POS-C 202 with recharging result;

Optionally, if BOSS 204 sends to L-POSP 203 with serial number, then L-POSP 203 sends to POS-C 202 with this serial number.

Step 312, POS-C 202 shows recharging result, and prints and supplement voucher with money, flow process finishes.

Optionally, if L-POSP 203 sends to POS-C 202 with serial number, then POS-C 202 can carry out corresponding stored to this serial number and above-mentioned recharging result.

Optionally, can also further execution in step 313 among the embodiment 1.In this step 313, center payment platform 205 sends the short message that a user who is used for notifying the user pays backstage account charging success to the subscriber card terminal of subscriber card (or comprise) 201.Optionally, the user that can carry the user in this short message pays amount information current in the account of backstage, this temporal information of supplementing operation with money etc. occurs.Center payment platform 205 can be to realize sending immediately this short message after the user pays the operation of the amount of money corresponding with supplementing amount information with money of increase in the account of backstage; Also can be according to sending this short message a time of delay (depending on concrete actual conditions, can be 5s etc. this time of delay) of pre-estimating.Need to prove, for front a kind of send mode, step 313 generally is to carry out immediately after step 38, before the step 39, and for rear a kind of send mode, then according to the real-time communication conditions of time of delay length and communication network, the time of implementation of step 313 has probabilistic characteristics.

Embodiment 2

Be different from embodiment 1, what embodiment 2 will realize is to utilize POS to supplement with money for user's card local account, namely will realize utilizing the agent to pay the backstage account and supplement with money for user's card local account.Based on enforcement scene as shown in Figure 2, in order to finish the operation of supplementing with money that embodiment 2 will realize, center payment platform 205 need to be paid amount deducted the account of backstage from the agent, and the user that the corresponding amount of money is filled with the user paid the backstage account, and then pay the backstage account from user's user and deduct this amount of money, and the corresponding amount of money is filled with user's card local account in the mapping account (for convenience of description, among the embodiment 2 the card local account being paid Sub-account in the mapping account on backstage referred to as the user) on backstage.

Particularly, the specific implementation flow process of embodiment 2 comprises the steps: as shown in Figure 4

Step 41, POS-C 202 receive the agent entering POS-C 202 supplement with money menu and the input " the card local account is supplemented with money " this signal after, read the sequence number of the subscriber card terminal of subscriber card (or comprise) 201, and the amount information of supplementing with money of Receiving Agent merchant input;

Step 42, POS-C 202 is sent as the request that user's card local account is supplemented with money to L-POSP 203, and this request carries sign (can be the sequence number of POS-C 202 such as the sign of said POS-C 202 here) of the subscriber card that the reads terminal of subscriber card (or comprise) 201 sequence number, the amount information of supplementing with money of reception, POS-C 202 self etc.;

What optionally, can also carry this execution in this request supplements the serial number of this operation with money for user's card local account.Optionally, can also carry in this request the user in advance with the password of supplementing with money of BOSS agreement.This is supplemented password with money and can regard as and can be used for authentication information that user's legal identity is identified.

Step 43, L-POSP 203 is after receiving the request of supplementing with money for user's card local account, from this request, parse the sign of POS-C 202, and according to the sign of pre-stored POS-C 202 and the corresponding relation of agent's phone number, determine the corresponding agent's phone number of sign of the POS-C 202 that parses;

Step 44, L-POSP 203 further parses the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 from above-mentioned request, and according to the pre-stored subscriber card terminal of subscriber card (or comprise) 201 sequence number and the corresponding relation of subscriber phone number, the corresponding subscriber phone number of sequence number of the subscriber card of determining the to parse terminal of subscriber card (or comprise) 201;

Need to prove, it will be understood by those skilled in the art that above-mentioned steps 43,34 execution sequence can be very flexible.Except first execution in step 43 as noted above being arranged again the execution sequence of execution in step 44, can also first execution in step 44 execution in step 43 again, or executed in parallel step 43,34.The embodiment of the invention is not done restriction to this.

Step 45, L-POSP 203 sends to BOSS 204 with agent's phone number of supplementing amount information with money and determining and the subscriber phone number that carries in the above-mentioned request, simultaneously, the request type of " request of supplementing with money for user's card local account " that L-POSP 203 also sends according to POS-C 202 sends one to BOSS204 and is used to indicate and need to supplements sign B with money for what user's card local account was supplemented with money;

Step 46, BOSS 204 is according to the subscriber phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored subscriber phone number and user's user, determine that user corresponding to this subscriber phone number who receives pays the backstage account, and according to the agent's phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored agent's phone number and agent, determine that agent corresponding to this agent's phone number who receives pays the backstage account, then execution in step 47;

Step 47, BOSS 204 with the user who determines pay that backstage account and agent pay the backstage account, the amount information of supplementing with money that sent by L-POSP 203 and supplement sign B with money and send to center payment platform 205;

Step 48, center payment platform 205 according to BOSS 204 send supplement with money the sign B, supplement sign with money and supplement with money the tactful corresponding relation from what make an appointment, determine with this supplement with money sign A corresponding supplement strategy with money for after " for user's card local account is supplemented with money ", the amount information of supplementing with money that executive basis BOSS 204 sends, the agent who sends from BOSS 204 pays the account of backstage deduction and supplements the amount of money corresponding to amount information with money with this, pays in the account of backstage increase the user that BOSS 204 sends and supplement the operation of the amount of money corresponding to amount information with money with this;

Step 49, the user that center payment platform 205 is sent according to BOSS 204 pays the backstage account, pay the backstage account and the user pays the corresponding relation of Sub-account (being that the card local account is in the mapping account on backstage) from center payment platform 205 pre-stored users, user definite and that BOSS 204 sends pays user corresponding to backstage account and pays sub-account, and the amount information of supplementing with money of sending according to BOSS 204, carry out the user who sends from BOSS 204 and pay the account of backstage deduction and supplement the amount of money corresponding to amount information with money with this, pay to increase in the sub-account the user who determines and supplement the operation of the amount of money corresponding to amount information with money with this;

Step 410, center payment platform 205 sends to BOSS 204 with recharging result, and wherein, the recharging result here is generally the user that the agent pays current amount information in the account of backstage and user and pays amount information current in the sub-account;

Optionally, if in step 47, BOSS 204 also sends to serial number center payment platform 205, and in step 410, center payment platform 205 also sends to BOSS 204 with corresponding serial number when recharging result is sent to BOSS 204 so.

Step 411, BOSS 204 sends to L-POSP 203 with above-mentioned recharging result;

Step 412, L-POSP 203 sends to POS-C 202 with recharging result;

Step 413, POS-C 202 shows recharging result, and prints and supplement voucher with money;

Optionally, if L-POSP 203 sends to POS-C 202 with this serial number, then POS-C 202 can carry out corresponding stored to this serial number and corresponding recharging result.

Step 414, POS-C 202 sends the checking request to the subscriber card terminal of subscriber card (or comprise) 201;

Step 415, the subscriber card terminal of subscriber card (or comprise) 201 is after receiving the checking request, produce a random number a and send to POS-C 202, and according to the subscriber card terminal of subscriber card (or comprise) 201 and the first identifying code generating algorithm of POS-C 202 agreements and the random number a of generation, generate identifying code MAC1;

Step 416, POS-C 202 is after receiving random number a, according to first identifying code generating algorithm and this random number a of the subscriber card terminal of subscriber card (or comprise) 201 with POS-C 202 agreements, generate identifying code MAC2, and send the card local account that carries MAC2 to the subscriber card terminal of subscriber card (or comprise) 201 and supplement instruction with money;

Step 417,201 couples of MAC2 that POS-C 202 sends of the subscriber card terminal of subscriber card (or comprise) verify, whether the MAC1 that namely relatively self generates mates consistent with the MAC2 that POS-C 202 sends, if comparative result is yes, then be proved to be successful, the subscriber card this moment terminal of subscriber card (or comprise) 201 is by sending a checking by the mode of acknowledge message to POS-C 202, the modification that allows POS-C 202 to carry out its data;

Step 418, POS-C 202 is according to the recharging result that receives, the card local account of safeguarding in the subscriber card terminal of subscriber card (or comprise) 201 is upgraded, the amount information in this card local account is updated to pay amount information current in the sub-account consistent with user corresponding to recharging result;

Optionally, after the renewal of the amount information in the card local account that POS-C 202 safeguards in realizing the subscriber card terminal of subscriber card (or comprise) 201, can also generate corresponding card local account and supplement serial number and TAC code with money.Wherein, the effect of this TAC code is to indicate this and supplements operation with money, such as regarding that this supplements the trade confirmation code of operation with money as.

Step 419, the amount information in the card local account behind POS-C 202 display updates, with the card local account successful recharging of notice to the user, flow process finishes.

Optionally, can also further execution in step 420 among the embodiment 1.In this step 420, center payment platform 205 sends the short message that a user who is used for notifying the user pays sub-account charging success to the subscriber card terminal of subscriber card (or comprise) 201.Optionally, the user that can carry the user in this short message pays amount information current in the sub-account, this temporal information of supplementing operation with money etc. occurs.Center payment platform 205 can be to realize sending immediately this short message after the user pays the operation of the amount of money corresponding with supplementing amount information with money of increase in the sub-account; Also can be according to sending this short message a time of delay (depending on concrete actual conditions, can be 5s etc. this time of delay) of pre-estimating.Need to prove, for front a kind of send mode, step 420 generally is to carry out immediately after step 49, before the step 410, and for rear a kind of send mode, then according to the real-time communication conditions of time of delay length and communication network, the time of implementation of step 420 has probabilistic characteristics.

Embodiment 3

In the present embodiment 3, what realize is that the user utilizes POS and user's user to pay the backstage account to consume, and namely will realize utilizing user's user to pay the backstage account and pay the backstage account charging for the agent.When the user consumes, need in POS-C 202, input payment and payment cipher.Particularly, based on enforcement scene as shown in Figure 2, the implementation procedure of embodiment 3 can comprise following step as shown in Figure 5:

Step 51, the user terminal that comprises the subscriber card terminal of subscriber card (or comprise) 201 sends payment information and payment ciphers to POS-C 202;

Step 52, POS-C 202 reads the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 after receiving the payment information and payment cipher that user terminal sends;

Step 53, POS-C 202 pays the backstage account is paid the backstage account charging for the agent request to the user that L-POSP 203 sends by the user, and this request carries the sign of the subscriber card that the reads terminal of subscriber card (or comprise) 201 sequence number, the payment information of user terminal transmission and payment cipher, POS-C 202 self etc.;

Optionally, the user that passes through that can also carry this execution in this request pays the backstage account is paid backstage this operation of account charging for the agent serial number.

Step 54, L-POSP 203 receive pay the backstage account by the user and pay the request of backstage account charging for the agent after, from this request, parse the sign of POS-C 202, and according to the sign of pre-stored POS-C 202 and the corresponding relation of agent's phone number, determine the corresponding agent's phone number of sign of the POS-C 202 that parses;

Step 55, L-POSP 203 further parses the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 from above-mentioned request, and according to the pre-stored subscriber card terminal of subscriber card (or comprise) 201 sequence number and the corresponding relation of subscriber phone number, the corresponding subscriber phone number of sequence number of the subscriber card of determining the to parse terminal of subscriber card (or comprise) 201;

Step 56, L-POSP 203 sends to BOSS 204 with the consumption amount information of carrying in the above-mentioned request and agent's phone number of determining and subscriber phone number, simultaneously, the request type of " paying the backstage account is paid the backstage account charging for the agent request by the user " that L-POSP 203 also sends according to POS-C 202 sends one to BOSS 204 and is used to indicate and need to pays by user's user the backstage account and identify C for the agent pays supplementing with money of backstage account charging;

Optionally, if also carry serial number and payment cipher in the above-mentioned request, then L-POSP 203 can also send to BOSS 204 with serial number and payment cipher.

Step 57, BOSS 204 is according to the subscriber phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored subscriber phone number and user's user, determine that user corresponding to this subscriber phone number who receives pays the backstage account, and according to the agent's phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored agent's phone number and agent, determine that agent corresponding to this agent's phone number who receives pays the backstage account, then execution in step 58;

Step 58, BOSS 204 with the user who determines pay that backstage account and agent pay the backstage account, the consumption amount information that sent by L-POSP 203 and supplement sign C with money and send to center payment platform 205;

Step 59, center payment platform 205 according to BOSS 204 send supplement with money the sign C, supplement sign with money and supplement with money the tactful corresponding relation from what make an appointment, determine with this supplement with money sign C corresponding supplement with money strategy for " user by the user pays the backstage account and pays the backstage account charging for the agent " after, the consumption amount information that executive basis BOSS 204 sends is carried out the user who sends from BOSS 204 and is paid the deduction amount of money corresponding with this consumption amount information the account of backstage, pay the operation of the amount of money corresponding with this consumption amount information of increase in the account of backstage the agent that BOSS 204 sends;

Step 510, center payment platform 205 sends to BOSS 204 with recharging result, and wherein, the recharging result here is generally the user that the agent pays current amount information in the account of backstage and user and pays amount information current in the account of backstage;

Optionally, if in step 58, BOSS 204 also sends to serial number center payment platform 205, and in step 510, center payment platform 205 also sends to BOSS 204 with corresponding serial number when recharging result is sent to BOSS 204 so.

Step 511, BOSS 204 sends to L-POSP 203 with above-mentioned recharging result;

Step 512, L-POSP 203 sends to POS-C 202 with recharging result;

Step 513, POS-C 202 shows recharging result, and prints and supplement voucher with money, flow process finishes.

Optionally, can also further execution in step 514 among the embodiment 1.In this step 514, center payment platform 205 sends the short message that a user who is used for notifying the user pays backstage account charging success to the subscriber card terminal of subscriber card (or comprise) 201.Optionally, the user that can carry the user in this short message pays amount information current in the account of backstage, this temporal information of supplementing operation with money etc. occurs.Center payment platform 205 can be to realize sending immediately this short message after the agent pays the operation that increases the amount of money corresponding with consumption amount information in the account of backstage; Also can be according to sending this short message a time of delay (depending on concrete actual conditions, can be 5s etc. this time of delay) of pre-estimating.

Embodiment 4

In the present embodiment 4, what realize is that the user utilizes POS and user's card local account to consume, and namely will realize utilizing user's card local account to pay the backstage account charging for the agent.When the user consumes, need in POS-C 202, input payment and payment cipher.Particularly, based on enforcement scene as shown in Figure 2, the implementation procedure of embodiment 4 can comprise following step as shown in Figure 6:

Step 61, the user terminal that comprises the subscriber card terminal of subscriber card (or comprise) 201 sends payment information and payment ciphers to POS-C 202;

Optionally, distinguish for the situation that the agent pays the backstage account charging in order to pay the backstage account with the user who utilizes the user described in the embodiment 3, in embodiment 4, user terminal not only sends payment information and payment cipher to POS-C 202, can also be used to indicate to POS-C 202 one of transmission is to utilize user's card local account to pay the sign of backstage account charging for the agent at this moment, as identifies 00.Similarly, in embodiment 3, user terminal also can send one to POS-C 202, and to be used to indicate be to utilize user's user to pay the backstage account to pay the sign of backstage account charging for the agent at this moment, as identify 01.

Step 62, POS-C 202 generates identifying code MAC3 after the payment information and payment cipher that receive the user terminal transmission, and sends the consumption initialization directive that carries MAC3 to user terminal;

Step 63, user terminal is after the consumption initialization directive that receives POS-C 202 transmissions, judge whether the MAC3 that carries in this instruction is present in identifying code corresponding to the legal POS that makes an appointment, in judged result when being, determine that POS-C 202 is legal POS, thereby according to above-mentioned payment information, carry out the operation of the corresponding amount of money in the deduction subscriber card terminal of subscriber card (or comprise) the 201 card local accounts of safeguarding, and according to the second identifying code generating algorithm of making an appointment, generate identifying code MAC4;

Wherein, here identifying code MAC4 can but to be not limited to be to utilize the sequence number of the subscriber card terminal of subscriber card (or comprise) 201 and the second identifying code generating algorithm to generate.

Step 64, user terminal sends the consumption response instruction to POS-C 202, carries MAC4 in this instruction;

Step 65, POS-C 202 reads the sequence number of subscriber card in the user terminal terminal of subscriber card (or comprise) 201;

Step 66, POS-C 202 generates MAC5 according to the subscriber card that the reads terminal of subscriber card (or comprise) 201 sequence number and the identifying code generating algorithm of above-mentioned identifying code generating mode defined of making an appointment; Mate when consistent when comparing MAC4 and MAC5, POS-C 202 determines to comprise the legitimacy of the user terminal of the subscriber card terminal of subscriber card (or comprise) 201;

Step 67, POS-C 202 sends the request of paying the backstage account charging by user's card local account for the agent to L-POSP 203, this request carries the sign of the subscriber card that the reads terminal of subscriber card (or comprise) 201 sequence number, the payment information of user terminal transmission and payment cipher, POS-C 202 self etc.;

The card local account that passes through the user that optionally, can also carry this execution in this request is paid the serial number of backstage this operation of account charging for the agent.

Step 68, L-POSP 203 receive pay the request of backstage account charging by the card local account for the agent after, from this request, parse the sign of POS-C 202, and according to the sign of the POS-C202 that parses, from the corresponding relation of the sign of pre-stored POS-C 202 and agent's phone number, determine the corresponding agent's phone number of sign of this POS-C 202 of parsing, simultaneously, L-POSP203 determines the corresponding subscriber phone number of sequence number of the subscriber card that POS-C 202 the sends terminal of subscriber card (or comprise) 201 also from the pre-stored subscriber card terminal of subscriber card (or comprise) 201 sequence number and the corresponding relation of subscriber phone number;

Step 69, L-POSP 203 sends to BOSS 204 with the consumption amount information of carrying in the above-mentioned request and agent's phone number, the subscriber phone number determined, simultaneously, the request type of " paying the request of backstage account charging by user's card local account for the agent " that L-POSP 203 also sends according to POS-C 202 sends one to BOSS 204 and is used to indicate and need to identifies D for the agent pays supplementing with money of backstage account charging by the card local account;

Step 610, BOSS 204 is according to the agent's phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored agent's phone number and agent, determine that agent corresponding to this agent's phone number who receives pays the backstage account, and the subscriber phone number that sends according to L-POSP 203, pay the corresponding relation of backstage account from pre-stored subscriber phone number and user's user, determine that user corresponding to this subscriber phone number who receives pays the backstage account, then execution in step 611;

Step 611, BOSS 204 with the agent who determines pay that backstage account, user are paid the backstage account, the consumption amount information that sent by L-POSP 203 and supplement sign D with money and send to center payment platform 205;

Step 612, center payment platform 205 according to BOSS 204 send supplement with money the sign D, supplement sign with money and supplement with money the tactful corresponding relation from what make an appointment, determine with this supplement with money sign D corresponding supplement strategy with money for after " paying the backstage account charging for the agent by the card local account ", pay the backstage account and the user pays the corresponding relation of Sub-account from pre-stored user, determine that user that BOSS 204 sends pays user corresponding to backstage account and pays sub-account, and the consumption amount information sent of executive basis BOSS 204, pay the operation of the amount of money that deduction is corresponding with consumption amount information in the sub-account the user who determines, and execution is paid the operation of the amount of money corresponding with this consumption amount information of increase in the account of backstage the agent that BOSS 204 sends;

Step 613, center payment platform 205 sends to BOSS 204 with recharging result, and wherein, the recharging result here is generally that the agent pays in the account of backstage current amount information and the user pays current amount information in the sub-account;

Step 614, BOSS 204 sends to L-POSP 203 with above-mentioned recharging result;

Step 615, L-POSP 203 sends to POS-C 202 with recharging result;

Step 616, POS-C 202 shows recharging result, and prints and supplement voucher with money, flow process finishes.

What need to stress is, in the embodiment of the invention, for the fail safe of guarantee information when mutual between functional entity as shown in Figure 2, the operation that mutual information is encrypted between can increasing functional entity in such as the flow process of Fig. 3 a～shown in Figure 6, so that Fig. 3 is a～flow process shown in Figure 6 satisfies financial standard--the requirement of PBOC Design of Information System Security Architecture of existing bank.

Take as shown in Figure 2 scene as example, mutual information can be to satisfy the radiofrequency signal of physical layer security standard protocols ISO14443 between the subscriber card terminal of subscriber card (or comprise) 201 and the POS-C202, the information that mutual information can be encrypted according to standard agreement ISO8583 between POS-C 202 and the L-POSP 203, can connect based on the Special safety circuit between L-POSP 203 and the BOSS 204 and between BOSS 204 and the center payment platform 205, based on the connection of setting up, between L-POSP 203 and the BOSS204 between mutual information and BOSS 204 and the center payment platform 205 mutual information can be the information of encryption.

In the embodiment of the invention, nearly all functional entity shown in Figure 2 can pre-stored corresponding key, with the information and executing encryption to transmission.The POS-C 202 that has the Card Reader authority such as prestoring in, the subscriber card terminal of subscriber card (or comprise) 201 reads key; Self the POS-C key that reads key and be used for the information of the information that reads and input POS-C 202 is encrypted processing can prestore among the POS-C 202; The sign of POS-C 202 that can prestore among the L-POSP 203 and the corresponding relation of POS-C key, and storage L-POSP key; And can store the payment platform key in the center payment platform 205.

Take the realization flow of as shown in Figure 4 embodiment 2 as example, the schematic flow sheet of mutual enciphered message may further comprise the steps as shown in Figure 7 between functional entity as shown in Figure 2:

Step 71, POS-C 202 sends the Card Reader request message that carries " reading key " to the subscriber card terminal of subscriber card (or comprise) 201 after receiving the agent and entering " the card local account is supplemented with money " this signal that POS-C 202 supplements menu and input with money;

Step 72, the subscriber card terminal of subscriber card (or comprise) 201 is after receiving the Card Reader request message, that judges the POS-C with Card Reader authority 202 that self prestores reads whether comprise the key that reads that carries in this Card Reader request message in the key, and in judged result when being, allow the notification message of POS-C202 Card Reader to POS-C 202 feedbacks, and generate identifying code MAC0;

Step 73, POS-C 202 reads sequence number and the MAC0 of the subscriber card terminal of subscriber card (or comprise) 201, and the amount information of supplementing with money of Receiving Agent merchant input and supplement encrypted message with money;

Step 74, POS-C 202 is according to the POS-C key of storage, to the amount information of supplementing with money of sequence number, MAC0 and agent's input of the subscriber card that the reads terminal of subscriber card (or comprise) 201 with supplement with money after encrypted message is encrypted, the sign of the enciphered message that obtains and this POS-C 202 together is carried in the request of supplementing with money for user's card local account sends to L-POSP 203;

Optionally, the POS-C key also can be stored among the POS-C 202, but by the mode of special code keypad is set at POS-C202, inputs this POS-C key by the agent by this code keypad;

Step 75, L-POSP 203 is after receiving the request of supplementing with money for user's card local account, according to the sign that from this request, parses POS-C 202, and in the corresponding relation according to the sign of pre-stored POS-C 202 and POS-C key, determine corresponding POS-C key, and the POS-C secret key decryption of utilize determining is carried on the enciphered message in the above-mentioned request, thus obtain the subscriber card terminal of subscriber card (or comprise) 201 sequence number, MAC0 and agent's input the amount information of supplementing with money and supplement encrypted message with money;

Step 76, L-POSP 203 is from the corresponding relation of the sign of pre-stored POS-C 202 and agent's phone number, determine the corresponding agent's phone number of sign of the POS-C 202 that parses, and from the pre-stored subscriber card terminal of subscriber card (or comprise) 201 sequence number and the corresponding relation of subscriber phone number, determine the corresponding subscriber phone number of sequence number of the subscriber card that deciphering the obtains terminal of subscriber card (or comprise) 201;

Step 77, because being based on the Special safety circuit between L-POSP 203 and the BOSS 204 connects, the to a certain extent fail safe of guarantee information transmission, therefore, the MAC0 that L-POSP 203 can directly obtain deciphering, agent's phone number and the subscriber phone number of supplementing amount information with money and determining send to BOSS 204, simultaneously, the request type of " request of supplementing with money for user's card local account " that L-POSP 203 also sends according to POS-C 202 sends one to BOSS 204 and is used to indicate and need to supplements sign B with money for what user's card local account was supplemented with money;

Step 78, BOSS 204 is according to the subscriber phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored subscriber phone number and user's user, determine that user corresponding to this subscriber phone number who receives pays the backstage account, and according to the agent's phone number that is sent by L-POSP 203 that receives, pay the corresponding relation of backstage account from pre-stored agent's phone number and agent, determine that agent corresponding to this agent's phone number who receives pays the backstage account;

Optionally, BOSS 204 can notify the user by its user validation sign of opening the user and being distributed by BOSS 204 when paying the backstage account of POS-C 202 input, and pay user validation sign corresponding to backstage account by this user validation sign relatively and the user with this user of BOSS 204 storages and whether mate unanimously, come authentication of users to pay the legitimacy of backstage account.Similarly, pay the backstage account for the agent, BOSS 204 also can the notification agent merchant utilize POS-C 202 to input agent's legitimacy sign that agents are assigned with, and by the paying agent's legitimacy corresponding to backstage account with this agential agent and identify and whether mate unanimously of this agent's legitimacy sign relatively and BOSS 204 storages, verify that the agent pays the legitimacy of backstage account.Verify out the user pay backstage account and agent pay the backstage account all legal after, continue step 79;

Step 79, because being based on the Special safety circuit between BOSS 204 and the center payment platform 205 connects, the to a certain extent fail safe of guarantee information transmission, therefore, BOSS 204 can directly pay the user who determines MAC0 that backstage account and agent pay the backstage account, sent by L-POSP 203, supplement amount information with money and supplement sign B with money and send to center payment platform 205;

Step 710, center payment platform 205 is from paying according to the user the corresponding relation of backstage account and identifying code, determine to pay identifying code MAC0 ' corresponding to backstage account with the user who receives, and whether the MAC0 that relatively receives mates consistent with the MAC0 ' that determines, and at comparative result when being, execution in step 711, otherwise process ends;

Step 711, center payment platform 205 according to BOSS 204 send supplement with money the sign B, supplement sign with money and supplement with money the tactful corresponding relation from what make an appointment, determine with this supplement with money sign A corresponding supplement strategy with money for after " for user's card local account is supplemented with money ", the amount information of supplementing with money that executive basis BOSS 204 sends, the agent who sends from BOSS 204 pays the account of backstage deduction and supplements the amount of money corresponding to amount information with money with this, pays in the account of backstage increase the user that BOSS 204 sends and supplement the operation of the amount of money corresponding to amount information with money with this;

Step 712, the user that center payment platform 205 is sent according to BOSS 204 pays the backstage account, pay the backstage account and the user pays the corresponding relation of Sub-account (being that the card local account is in the mapping account on backstage) from center payment platform 205 pre-stored users, user definite and that BOSS 204 sends pays user corresponding to backstage account and pays sub-account, and the amount information of supplementing with money of sending according to BOSS 204, carry out the user who sends from BOSS 204 and pay the account of backstage deduction and supplement the amount of money corresponding to amount information with money with this, pay to increase in the sub-account the user who determines and supplement the operation of the amount of money corresponding to amount information with money with this;

Step 713, center payment platform 205 sends to BOSS 204 with recharging result, and wherein, the recharging result here is generally the user that the agent pays current amount information in the account of backstage and user and pays amount information current in the sub-account;

Step 714, BOSS 204 sends to L-POSP 203 with above-mentioned recharging result;

Step 715, L-POSP 203 sends to POS-C 202 with recharging result;

Step 716, POS-C 202 shows recharging result, and prints and supplement voucher with money, and sends the checking request to the subscriber card terminal of subscriber card (or comprise) 201;

Step 717, the subscriber card terminal of subscriber card (or comprise) 201 is after receiving the checking request, produce a random number a and send to POS-C 202, and according to the subscriber card terminal of subscriber card (or comprise) 201 and the identifying code generating algorithm of POS-C 202 agreements and the random number a of generation, generate identifying code MAC1;

Step 718, POS-C 202 is after receiving random number a, according to identifying code generating algorithm and this random number a of the subscriber card terminal of subscriber card (or comprise) 201 with POS-C 202 agreements, generate identifying code MAC2, and send the card local account that carries MAC2 to the subscriber card terminal of subscriber card (or comprise) 201 and supplement instruction with money;

Step 719,201 couples of MAC2 that POS-C 202 sends of the subscriber card terminal of subscriber card (or comprise) verify, whether the MAC1 that namely relatively self generates mates consistent with the MAC2 that POS-C 202 sends, if comparative result is yes, then be proved to be successful, the subscriber card this moment terminal of subscriber card (or comprise) 201 is by sending a checking by the mode of acknowledge message to POS-C 202, the modification that allows POS-C 202 to carry out its data;

Step 720, POS-C 202 is according to the recharging result that receives, the card local account of safeguarding in the subscriber card terminal of subscriber card (or comprise) 201 is upgraded, the amount information in this card local account is updated to pay amount information current in the sub-account consistent with user corresponding to recharging result;

Step 721, the amount information in the card local account behind POS-C 202 display updates, with the card local account successful recharging of notice to the user, flow process finishes.

Realize the method for account charging corresponding to what the embodiment of the invention provided based on POS, the embodiment of the invention also provides a kind of system that realizes account charging based on POS, this system comprises component units as shown in Figure 8, be respectively POS service platform 81, BOSS82 and center payment platform 83, wherein the concrete function of each unit is as follows:

POS service platform 81, the subscriber card sign that be used for to receive POS sign that POS sends, supplement amount information with money, supplement type information with money, POS reads; And from the corresponding relation of pre-stored subscriber card sign and user ID, determine that the subscriber card that sends with POS identifies corresponding user ID, and from the corresponding relation that POS identifies and the agent identifies of storage, POS definite and that POS sends identifies corresponding agent and identifies; And will supplement amount information with money, supplement type information and definite user ID and agent's sign with money and send to business operation support system BOSS82;

BOSS82, be used for paying from pre-stored user ID and user the corresponding relation of backstage account, determine that user corresponding to user ID that POS service platform 81 sends pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of POS service platform 81 transmissions pays the backstage account; And will supplement type information with money, supplement amount information and definite user with money and pay backstage account and agent and pay the backstage account and send to center payment platform 83;

Center payment platform 83 is used for according to supplementing type information with money, supplementing amount information with money, adjusts that BOSS84 determines and the user that sends pays backstage account and agent and pays amount information in the account of backstage.

Optionally, center payment platform 83 specifically can be divided into the following functions unit in the embodiment of the invention, comprise:

Supplement tactful determining unit with money, be used for the corresponding relation of supplementing type information with money and supplementing strategy with money from pre-stored, determine that BOSS82 sends supplement with money type information corresponding supplement strategy with money; And

Supplement performance element with money, be used for supplementing strategy with money when paying the backstage account charging for utilizing the agent to pay the backstage account for the user when what supplement that tactful determining unit determines with money, carry out from the agent who determines and pay deduction the account of backstage and describedly supplement the amount of money corresponding to amount information with money, pay the operation of the described corresponding amount of money of increase in the account of backstage definite user;

Supplement strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what supplement that tactful determining unit determines with money, carry out from the agent who determines pay the described correspondence of deduction the account of backstage the amount of money, pay the operation that increases the amount of money of described correspondence in the account of backstage the user who determines; And pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and carry out from the user who determines and pay the amount of money of deducting described correspondence the account of backstage, the operation that in the mapping account of determining, increases the amount of money of described correspondence;

Supplement strategy with money when paying the backstage account charging for the user who utilizes the user pays the backstage account for the agent when what supplement that tactful determining unit determines with money, carry out from the user who determines and pay deduction the account of backstage and describedly supplement the amount of money corresponding to amount information with money, pay the operation of the described corresponding amount of money of increase in the account of backstage the agent who determines;

Supplement strategy with money when paying the backstage account charging for the card local account that utilizes the user for the agent when what supplement that tactful determining unit determines with money, carry out and determining that the agent pays the operation of the amount of money of the described correspondence of middle increase of backstage account; And pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and the operation of carrying out the amount of money of the described correspondence of deduction from the mapping account of determining.

Optionally, when said system also comprises POS, and determine supplement strategy with money when supplementing with money for the card local account of storing in the subscriber card for utilizing the agent to pay the backstage account, this POS can be divided into the following functions module, specifically comprises:

The sign reading unit is used for reading the subscriber card sign from subscriber card; The information acquisition unit is used for obtaining to supplement amount information with money, supplement type information with money; Information transmitting unit is used for the POS sign of POS self, subscriber card sign that the sign reading unit reads, the amount information of supplementing with money that the information acquisition unit obtains and supplements type information with money sending to POS service platform 81; The recharging result receiving element, be used for after center payment platform 83 is carried out the mapping account of determining and increased the operation of the amount of money of described correspondence, receiving center payment platform 83 sends is used to indicate the recharging result that the agent pays current amount information in backstage account and the described mapping account; The checking request transmitting unit is used for after the recharging result receiving element receives described recharging result, sends the checking request to subscriber card; The random number receiving element is used for receiving subscriber card according to the random number of the checking request feedback of checking request transmitting unit transmission; The verification code information generation unit, the identifying code generating algorithm that is used for the random number that receives according to the random number receiving element and arranges with subscriber card in advance generates the first verification code information and sends to subscriber card; The acknowledge message receiving element passes through acknowledge message in the first verification code information that compares the transmission of verification code information generation unit and subscriber card according to the consistent rear checking that sends of the second verification code information coupling of described random number and the generation of described algorithm for receiving subscriber card; Updating block is used for the described recharging result according to the reception of recharging result receiving element, upgrades the amount information in the card local account of storing in the described subscriber card.

Optionally, center payment platform 83 specifically can be divided into the following functions unit in the embodiment of the invention, specifically comprise:

The information acquisition unit is used for obtaining the verification code information that POS reads from subscriber card; The information determining unit for the corresponding relation of paying backstage account and verification code information from pre-stored user, is determined to pay verification code information corresponding to backstage account with the user who determines; Whether comparing unit is used for the definite verification code information of comparison information determining unit and mates consistent with the verification code information that the information acquisition unit obtains; Amount of money adjustment unit is used for the comparative result that obtains at comparing unit when being, according to supplementing type information with money, supplementing amount information with money, adjusts definite user and pays backstage account and agent and pay amount information in the account of backstage.

Optionally, said system can further include POS, and this POS can be divided into the following functions unit: the request message transmitting element is used for carrying the Card Reader request message that reads key to the subscriber card transmission; Card reading unit, be used for behind the notification message of the permission POS Card Reader that receives the subscriber card feedback, read the subscriber card sign, wherein, allow the notification message of POS Card Reader be subscriber card judge the Card Reader authority that has that self prestores POS read include in the key carry in the Card Reader request message that the request message transmitting element sends read key after send; The information acquisition unit is used for obtaining to supplement amount information with money, supplement type information with money; Transmitting element is used for the POS sign of POS self, subscriber card sign that card reading unit reads, the amount information of supplementing with money that the information acquisition unit obtains and supplements type information with money sending to POS service platform 81.

Correspondingly, the embodiment of the invention also provides a kind of POS service platform equipment, and this equipment specifically comprises the following functions unit:

Receiving element, the subscriber card sign that be used for to receive POS sign that POS sends, supplement amount information with money, supplement type information with money, POS reads; Determining unit, be used for from the corresponding relation of pre-stored subscriber card sign with user ID, determine user ID corresponding to subscriber card sign that receiving element receives, and from the corresponding relation that POS identifies and the agent identifies of storage, determine that the agent of the POS sign correspondence that receiving element receives identifies; Transmitting element, is supplemented user ID and the agent's sign that type information and determining unit determine with money and is sent to business operation support system BOSS at the amount information of supplementing with money that is used for receiving element is received.

In addition, the embodiment of the invention also provides a kind of BOSS, and it comprises the following functions unit:

Receiving element be used for to receive the amount information of supplementing with money that the POS service platform sends, supplements type information, user ID, agent's sign with money; Determining unit, be used for paying from pre-stored user ID and user the corresponding relation of backstage account, determine that user corresponding to user ID that receiving element receives pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of receiving element reception pays the backstage account; Transmitting element is used for supplementing type information with money, supplementing that the user who determines that amount information and determining unit determine pays the backstage account, the agent pays the backstage account and sends to the center payment platform with money what receiving element received.

Obviously, those skilled in the art can carry out various changes and modification to the present invention and not break away from the spirit and scope of the present invention.Like this, if of the present invention these are revised and modification belongs within the scope of claim of the present invention and equivalent technologies thereof, then the present invention also is intended to comprise these changes and modification interior.

Claims

1. a system that realizes account charging is characterized in that, comprises POS service platform, business operation support system BOSS and center payment platform, wherein:

The POS service platform, the subscriber card sign that be used for to receive POS sign that POS sends, supplement amount information with money, supplement type information with money, POS reads, and from the corresponding relation of pre-stored subscriber card sign and user ID, determine that the subscriber card that sends with POS identifies corresponding user ID, and from the corresponding relation that POS identifies and the agent identifies of storage, POS definite and that POS sends identifies corresponding agent and identifies; And will supplement amount information with money, supplement type information and definite user ID and agent's sign with money and send to business operation support system BOSS;

BOSS, be used for paying from pre-stored user ID and user the corresponding relation of backstage account, determine that user corresponding to user ID that the POS service platform sends pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of POS service platform transmission pays the backstage account; And will supplement type information with money, supplement amount information and definite user with money and pay backstage account and agent and pay the backstage account and send to the center payment platform;

The center payment platform is used for according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage.

2. the system as claimed in claim 1 is characterized in that, the center payment platform specifically comprises:

Supplement tactful determining unit with money, be used for the corresponding relation of supplementing type information with money and supplementing strategy with money from pre-stored, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And

Supplement strategy with money when paying the backstage account charging for the card local account that utilizes the user for the agent when what supplement that tactful determining unit determines with money, pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and the operation of carrying out the amount of money of the described correspondence of deduction from the mapping account of determining; And carry out and to determine that the agent pays the operation of the amount of money of the described correspondence of middle increase of backstage account.

3. system as claimed in claim 2 is characterized in that, described system also comprises POS, and supplements strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what determine, and POS specifically comprises:

The sign reading unit is used for reading the subscriber card sign from subscriber card;

The information acquisition unit is used for obtaining to supplement amount information with money, supplement type information with money;

Information transmitting unit is used for the POS sign of POS self, subscriber card sign that the sign reading unit reads, the amount information of supplementing with money that the information acquisition unit obtains and supplements type information with money sending to the POS service platform;

The recharging result receiving element, be used for after the center payment platform is carried out the mapping account of determining and increased the operation of the amount of money of described correspondence, the receiving center payment platform sends is used to indicate the recharging result that the agent pays current amount information in backstage account and the described mapping account;

The checking request transmitting unit is used for after the recharging result receiving element receives described recharging result, sends the checking request to described subscriber card;

The random number receiving element is used for receiving described subscriber card according to the random number of the checking request feedback of checking request transmitting unit transmission;

The verification code information generation unit, the identifying code generating algorithm that is used for the random number that receives according to the random number receiving element and arranges with described subscriber card in advance generates the first verification code information and sends to described subscriber card;

The acknowledge message receiving element is used for receiving described subscriber card and passes through acknowledge message with described subscriber card according to the consistent rear checking that sends of the second verification code information coupling of described random number and the generation of described algorithm in the first verification code information that compares the transmission of verification code information generation unit;

Updating block is used for the described recharging result according to the reception of recharging result receiving element, upgrades the amount information in the card local account of storing in the described subscriber card.

4. such as the arbitrary described system of claim 1～3, it is characterized in that, described center payment platform specifically comprises:

The information acquisition unit is used for obtaining the verification code information that POS reads from subscriber card;

The information determining unit for the corresponding relation of paying backstage account and verification code information from pre-stored user, is determined to pay verification code information corresponding to backstage account with described definite user;

Whether comparing unit is used for the definite verification code information of comparison information determining unit and mates consistent with the verification code information that the information acquisition unit obtains;

Amount of money adjustment unit is used for the comparative result that obtains at comparing unit when being, according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage.

5. system as claimed in claim 1 or 2 is characterized in that, described system also comprises POS, and POS specifically comprises:

The request message transmitting element is used for carrying the Card Reader request message that reads key to the subscriber card transmission;

Card reading unit, be used for behind the notification message of the permission POS Card Reader that receives described subscriber card feedback, read described subscriber card sign, wherein, the notification message of described permission POS Card Reader be subscriber card judge the Card Reader authority that has that self prestores POS read include in the key carry in the Card Reader request message that the request message transmitting element sends read key after send;

Transmitting element is used for the POS sign of POS self, subscriber card sign that card reading unit reads, the amount information of supplementing with money that the information acquisition unit obtains and supplements type information with money sending to the POS service platform.

6. a method that realizes account charging is characterized in that, comprising:

The POS that the POS service platform receives point-of-sale terminal POS transmission identifies, supplements amount information with money, supplements type information with money, the subscriber card sign that POS reads;

The POS service platform is from the corresponding relation of pre-stored subscriber card sign and user ID, determine that the subscriber card that sends with POS identifies corresponding user ID, and from the corresponding relation that POS identifies and the agent identifies of storage, POS definite and that POS sends identifies corresponding agent and identifies;

The POS service platform will supplement amount information with money, supplement type information with money and definite user ID and agent's sign sends to business operation support system BOSS;

BOSS pays the corresponding relation of backstage account from pre-stored user ID and user, determine that user corresponding to user ID that the POS service platform sends pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of POS service platform transmission pays the backstage account;

BOSS will supplement type information with money, supplement amount information and definite user with money pays backstage account and agent and pays the backstage account and send to the center payment platform;

The center payment platform is according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage.

7. method as claimed in claim 6 is characterized in that, the center payment platform is according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage, specifically comprises:

The center payment platform is supplemented type information with money and is supplemented with money the corresponding relation of strategy from pre-stored, determine that BOSS sends supplement with money type information corresponding supplement strategy with money; And

Supplement strategy with money when utilizing the agent to pay the backstage account to pay the backstage account charging for the user when what determine, carry out from the agent who determines and pay deduction the account of backstage and describedly supplement the amount of money corresponding to amount information with money, pay the operation of the described corresponding amount of money of increase in the account of backstage definite user;

Supplement strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what determine, carry out from the agent who determines pay the described correspondence of deduction the account of backstage the amount of money, pay the operation that increases the amount of money of described correspondence in the account of backstage the user who determines; And pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and carry out from the user who determines and pay the amount of money of deducting described correspondence the account of backstage, the operation that in the mapping account of determining, increases the amount of money of described correspondence;

Supplement strategy with money when paying the backstage account charging for the user who utilizes the user pays the backstage account for the agent when what determine, carry out from the user who determines and pay deduction the account of backstage and describedly supplement the amount of money corresponding to amount information with money, pay the operation of the described corresponding amount of money of increase in the account of backstage the agent who determines;

Supplement strategy with money when paying the backstage account charging for the card local account that utilizes the user for the agent when what determine, pay the corresponding relation of mapping account of backstage account and card local account from pre-stored user, determine to pay mapping account corresponding to backstage account with described definite user, and the operation of carrying out the amount of money of the described correspondence of deduction from the mapping account of determining; And carry out and to determine that the agent pays the operation of the amount of money of the described correspondence of middle increase of backstage account.

8. method as claimed in claim 7, it is characterized in that, supplement strategy with money when supplementing with money for utilizing the agent to pay card local account that the backstage account stores in for subscriber card when what determine, carry out the operation of the amount of money that in definite mapping account, increases described correspondence at the center payment platform after, also comprise:

POS receive that the center payment platform sends be used to indicate the recharging result that the agent pays current amount information in backstage account and the described mapping account after, send the checking request to subscriber card, and receive described subscriber card according to the random number of described checking request feedback;

POS according to described random number and in advance with the identifying code generating algorithm of described subscriber card agreement, generate the first verification code information and send to described subscriber card;

POS receive described subscriber card compare the second verification code information coupling that the first verification code information and described subscriber card generate according to described random number and described algorithm consistent after the checking of transmission pass through acknowledge message;

POS upgrades the amount information in the card local account of storing in the described subscriber card according to described recharging result.

9. such as the arbitrary described method of claim 6～8, it is characterized in that, the center payment platform is according to supplementing type information with money, supplementing amount information with money, adjusts described definite user and pays backstage account and agent and pay amount information in the account of backstage, specifically comprises:

The center payment platform obtains the verification code information that POS reads from subscriber card;

The center payment platform is paid the corresponding relation of backstage account and verification code information from pre-stored user, determines to pay verification code information corresponding to backstage account with described definite user;

The center payment platform mates when consistent comparing definite verification code information and the verification code information that reads, according to supplementing type information with money, supplementing amount information with money, adjust described definite user and pay backstage account and agent and pay amount information in the account of backstage.

10. such as claim 6 or 7 described methods, it is characterized in that, POS realizes reading the subscriber card sign by following step:

POS sends to subscriber card and carries the Card Reader request message that reads key; And

POS reads described subscriber card sign behind the notification message of the permission POS Card Reader that receives described subscriber card feedback; Wherein, the notification message of described permission POS Card Reader be subscriber card judge self prestore have reading of Card Reader authority include in the key carry in the described Card Reader request message read key after send.

11. a POS service platform equipment is characterized in that, comprising:

Receiving element, the subscriber card sign that be used for to receive POS sign that POS sends, supplement amount information with money, supplement type information with money, POS reads;

Determining unit, be used for from the corresponding relation of pre-stored subscriber card sign with user ID, determine user ID corresponding to subscriber card sign that receiving element receives, and from the corresponding relation that POS identifies and the agent identifies of storage, determine that the agent of the POS sign correspondence that receiving element receives identifies;

Transmitting element, is supplemented user ID and the agent's sign that type information and determining unit determine with money and is sent to business operation support system BOSS at the amount information of supplementing with money that is used for receiving element is received.

12. a business operation support system is characterized in that, comprising:

Receiving element be used for to receive the amount information of supplementing with money that the POS service platform sends, supplements type information, user ID, agent's sign with money;

Determining unit, be used for paying from pre-stored user ID and user the corresponding relation of backstage account, determine that user corresponding to user ID that receiving element receives pays the backstage account, and pay the corresponding relation of backstage account from pre-stored agent sign and agent, determine that the agent corresponding to user ID of receiving element reception pays the backstage account;

Transmitting element is used for supplementing type information with money, supplementing that the user who determines that amount information and determining unit determine pays the backstage account, the agent pays the backstage account and sends to the center payment platform with money what receiving element received.