CN102955999B - The circle deposit method of stored value card and system - Google Patents
The circle deposit method of stored value card and system Download PDFInfo
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- CN102955999B CN102955999B CN201110236720.4A CN201110236720A CN102955999B CN 102955999 B CN102955999 B CN 102955999B CN 201110236720 A CN201110236720 A CN 201110236720A CN 102955999 B CN102955999 B CN 102955999B
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Abstract
The present invention proposes circle deposit method and the system of stored value card, space transference is initiated by client, selecting different source of funds to carry out enclosing the UIM card depositing and being deposited by circle information write carrying stored value card, the present invention deposits to realize circle whenever and wherever possible, and circle deposits mode flexibly, conveniently and safe and reliable.
Description
Technical field
The present invention relates to mobile payment technical field, be the technology of a kind of mobile payment space transference,
Particularly relate to circle deposit method and the system of stored value card.
Background technology
The continuous breakthrough of mobile payment technology, drives the fast development of mobile payment industry.Consumer
Expect that mobile payment is convenient, easy to use.The circle of stored value card deposits mode in fast-developing movement
Payment industry increasingly shows single deficiency.
Present stage, the circle of the stored value card that we can see has a two ways:
First, space transference technology based on OTA technology, the aerial circle that terminal STK is initiated
Deposit, it is achieved that the facility with any place, wallet circle deposited any time.But the initiation of this mode
Mode can only be terminal STK, and funds source can only be the account bound in advance；
Second, the cash circle of POS terminal is deposited, it is achieved that the on-the-spot circle of stored value card is deposited.But accept
Fixed point, Consumer's Experience is poor.
Summary of the invention
More than in view of, the present invention proposes circle deposit method and the system of stored value card.
The present invention proposes the circle deposit method of stored value card, including:
In terminal, client software is installed, starts described client software, terminal presents circle and deposits
Login interface, on login interface, information deposited by prompting input circle, deposits the amount of money and terminal letter including circle
Breath, is sent to stored value card payment platform by space transference request；
Stored value card payment platform return source of funds select interface, client by select source of funds,
Stored value card payment platform submitted to by fund account and password；
Fund account and password are sent to source of funds by stored value card payment platform, by source of funds according to
Fund account and password authenticate, and in authentication by rear, deposit the amount of money according to circle and withhold, and
Return payment result；
Payment result is dealt into client by stored value card payment platform, and payment result is for withholing successfully；
The circle information of depositing is written on UIM card by client by machine card interface in terminal, will transaction
Result issues stored value card payment platform；
Stored value card payment platform receives transaction results, more new data.
The present invention also proposes the circle deposit system of stored value card, including:
Client, is arranged in terminal, starts described client, presents circle and deposit login in terminal
Interface, on login interface, information deposited by prompting input circle, deposits the amount of money and end message including circle,
Space transference request is sent to stored value card payment platform；By the source of funds selected, fund account
And password submits to stored value card payment platform；Receive the payment knot that stored value card payment platform returns
Really, when payment result is for withholing successful, by machine card interface in terminal, the circle information of depositing is written to
On UIM card, transaction results is issued stored value card payment platform；
UIM card, writes circle alternately by machine card interface and client and deposits information；
Stored value card payment platform, returns source of funds to client and selects interface, by fund account and
Password is sent to source of funds, receives the payment result of source of funds return and is sent to client；Receive
The transaction results of client, more new data.
The space transference that the present invention is initiated by client, it is possible to achieve circle is deposited whenever and wherever possible, selects not
Same source of funds carries out enclosing the UIM card depositing and being deposited by circle information write carrying stored value card, this
It is flexible, convenient and safe and reliable that mode deposited by invention circle.
Accompanying drawing explanation
Accompanying drawing described herein is used for providing a further understanding of the present invention, constitutes the present invention's
A part, the schematic description and description of the present invention is used for explaining the present invention, and it is right to be not intended that
The improper restriction of the present invention.In the accompanying drawings:
Fig. 1 is the circle deposit method flow chart of stored value card of the present invention.
Fig. 2 is the process stream that in the present invention, client accesses UIM card by machine card interface in terminal
Journey schematic diagram.
Fig. 3 is the schematic flow sheet of the embodiment of the present invention.
Fig. 4 is the circle deposit system structural representation of stored value card of the present invention.
Detailed description of the invention
For making the object, technical solutions and advantages of the present invention clearer, below in conjunction with specifically
Embodiment, and referring to the drawings, the present invention is described in more detail.
Fig. 1 is the circle deposit method flow chart of stored value card of the present invention, connecing by client terminals
Enter mode to stored value card payment platform send account personal data information and client terminals with
The transaction flow schematic diagram of the space transference operation that UIM card is mutual, the method includes following step
Rapid:
In step 101, in terminal, client software is installed, starts this client software, in terminal
On present circle and deposit login interface, on this login interface, information deposited by prompting input circle, deposits gold including circle
Volume and end message, be sent to stored value card payment platform by space transference request.
Here end message is mainly supplied to platform side for identifying that circle deposits accounts information and identity
Authentication.End message can be cell-phone number, it is also possible to be to need the information such as the card number deposited of circle.
If platform side provides ability, it might even be possible to be registration account number etc..Certainly input mode is various
, service needed when can apply according to reality is developed, and such as can allow client terminals
Actively capture card card number information and be supplied to platform side use, and be not necessarily user and be manually entered.
Return source of funds select interface (bank card or the in step 102, stored value card payment platform
Tripartite's payment account), the source of funds of selection, fund account and password are submitted to electronics by client
Wallet payment platform.
In step 103, stored value card payment platform, fund account and password are sent to source of funds,
Authenticated according to fund account and password by source of funds, in authentication by rear, deposit the amount of money according to circle
Withhold, and return payment result.
In step 104, stored value card payment platform, payment result is dealt into client, payment result
For withholing successfully.
By machine card interface in terminal, the circle information of depositing is written to UIM in step 105, client
On card, transaction results is issued stored value card payment platform.The i.e. present invention is that circle is deposited information write
On the UIM card of carrying stored value card, rather than network account.Below in conjunction with Fig. 2 to machine clamping
Mouth illustrates.
Transaction results is received, more new data in step 106, stored value card payment platform.
Fig. 2 is that client of the present invention is illustrated by the flow process of machine card interface operation UI M card in terminal
Figure, is the instruction processing pipeline of the client privately owned interface operation UIM card of use, and business deposited by non-circle
Flow process.Concrete process step is as follows:
1, the privately owned interface requests of client call carries out business operation to UIM card；
Relevant interface include APDU_IsCardInserted (), APDU_VerifyPin () and
APDU_OpenConnection (), i.e. needs to be confirmed whether card, if having permission access should
Card, data transfer logic passage is opened in application.
2, the terminal content to being transmitted by privately owned interface and requirement carry out inter-process, are construed to
Can be to the instruction of UIM card operation；
3, terminal calls the machine card interface transmission operational order to UIM card
(APDU_SendCommand())；
4, RFID UIM card Cos receives the operational order of machine card interface and carries out UIM card side and explain
Process；
5, terminal receives the result that RFID UIM card returns；
6, terminal inner processor card interface return information, and it is construed to client readable information；
7, terminal is adjusted back client process function and takes back client readable information
(APDU_CloseConnection())；
8, the readable information taken back is processed by client.
The present invention, compared with existing stored value card space transference flow process, has the advantage that
The space transference technology of existing stored value card can only be initiated by terminal STK, man-machine interaction
Interface is the most friendly, by being then based on sms technique, it is impossible to the most real-time realizes terminal and electronics
Wallet payment platform mutual, and interaction cannot real-time update, Consumer's Experience is poor.And
In the present invention, stored value card payment platform is based on public network with the information exchange of terminal, it is provided that friend
Good man-machine interface, and Consumer's Experience will not be affected because of speed.
The space transference of existing stored value card is based on OTA technology, and initiation mode can only be card
Sheet UTK mode (safety requirements based on operating card), UTK menu is to accomplish
End side unrestricted choice disburses funds source, can only be carried out by the fund account that backstage is bound in advance
Pay.And in the present invention circle of stored value card deposit can unrestricted choice, the multiple money of flexible use
Gold account is withholdd, and meets larger range of customer demand.
Prior art is to be deposited by circle on information write network account, and the present invention is the circle information of depositing to be write
Enter to carry on the UIM card of stored value card, safe and reliable.
Fig. 3 is embodiment of the present invention schematic diagram (exemplary in nature, non-limiting idiographic flow).
User selects to use ad hoc mode to start empty circle business；
Client-Prompt user inputs circle and deposits the amount of money and termination number；
User inputs circle and deposits the amount of money and termination number；
Input data are sent to stored value card payment platform by client；
Stored value card payment platform provides and is available for the source of funds selection interface that user selects, and is pushed to
Client；
Show in client and be available for the fund account that user selects；
User selects source of funds, and according to prompting input fund account and password, request circle is deposited；
Fund account and password are sent to corresponding bank by stored value card payment platform or third party props up
Pay platform；
Bank or Third-party payment platform authentication, authenticate by after withhold and return payment result give electricity
Sub-wallet payment platform；
Stored value card payment platform judges and returns payment result to client；
Client judges payment result, if success, sends circle by the machine card interface in terminal and deposits
Instruct and deposit operation to UIM card stored value card request circle；
It is mutual that UIM card stored value card carries out information by the machine card interface in terminal and client,
And complete the value added process of stored value card, return transaction results to client；
Transaction results is issued stored value card payment platform by client；
Stored value card payment platform receives transaction results, more new data, and notifies client；
Client receives confirmation, carries out interface display；
User receives circle and deposits result, completes transaction.
The present invention is embodied in above flow process with the difference of standard null circle flow process, embodies different conventional
The access way of client and many source of funds selection mode, it addition, client is electric with UIM card
Sub-wallet is also different conventional by the way of in terminal, machine card interface carries out communication.
Fig. 4 is the circle deposit system structural representation of stored value card of the present invention.By the access of client
Mode sends account personal data information to stored value card payment platform and circle deposits request, electronic money
Bag payment platform selects to redirect other payment account platforms (such as bank account) by user and realizes buckleing
Money operates.Relevant information is returned to client by stored value card payment platform, and by client with
UIM card mutual, it is achieved that the circle of stored value card on UIM card is deposited operation.Wherein:
Client, is arranged in terminal, starts this client, presents circle and deposit login circle in terminal
Face, on this login interface, information deposited by prompting input circle, deposits the amount of money and end message including circle,
Space transference request is sent to stored value card payment platform；By the source of funds selected, fund account
And password submits to stored value card payment platform；Receive the payment knot that stored value card payment platform returns
Really, when payment result is for withholing successful, by machine card interface in terminal, the circle information of depositing is written to
On UIM card, transaction results is issued stored value card payment platform.
UIM card, writes circle alternately by machine card interface and client and deposits information.The present invention implements
In example, UIM card is telecom intelligent card, generally refers to CPU intelligence UIM of band RFID function
Card (non-Mifare card), smart card has the operating system of oneself, and we are commonly called as COS, can be right
The instruction that card accepts processes.
Stored value card payment platform, returns source of funds to client and selects interface, and source of funds can be
By bank card or Third-party payment account, it is also possible to be other fund accounts, such as connection China OK
Card, card issuer has account etc. by oneself.Fund account and password are sent to source of funds, by source of funds root
Authenticating according to fund account and password, in authentication by rear, source of funds is deposited the amount of money according to circle and is carried out
Withhold, and return payment result；Payment result is dealt into client；Receive the transaction knot of client
Really, more new data.
Above-mentioned machine card interface, the interface API that i.e. instruction processing pipeline is called is:
APDU_VerifyPin (): use the legitimacy of this interface check card, to ensure to provide on card
The security control that source accesses；
APDU_IsCardInserted (): pass through this interface on card before resource to whether falling accessing
Card makes a decision；
APDU_OpenConnection (): client is led to card application logic by this interface
Road, for business transferring operational order；
APDU_CloseConnection (): close logical channel by this interface application, and discharge
Resource；
APDU_SendCommand (): send Business Processing order by this interface, it is achieved will
APDU order is sent to SmartCard and specifies readjustment for processing return result.
User uses the client terminal start-up sky ring manipulation flow process in terminal, by stored value card payment platform
Return source of funds and select interface.Input fund account information, completes transferring of earmark.Electronics
Wallet payment platform carries the information of withholing and is dealt into client.
Client is checked by APDU_IsCardInserted () to be needed to make the UIM card that circle is deposited
Whether power down, and utilize APDU_VerifyPin () to verify the legitimacy of this card, then, pass through
Machine card interface in terminal, deposits initialization directive to card operating system headband
(APDU_OpenConnection ()), after card operating system returns corresponding data, by visitor
Family end sends execution circle according to the information that stored value card payment platform returns to Card-terminal and deposits instruction
(by APDU_SendCommand ())；Telecom intelligent card receives execution circle and deposits order
After, sending circle to card operating system and deposit instruction, after empirical tests, UIM card stored value card adds
Money, and return corresponding data to client, client send circle to stored value card payment platform
Deposit object information.Stored value card payment platform returns result to client, if result is correct,
Client call APDU_CloseConnection () closes machine card logic passage, discharges resource,
Client display transaction results, completes transaction.
Those of ordinary skill in the field are it is understood that the foregoing is only the concrete real of the present invention
Execute example, be not limited to the present invention, all within the spirit and principles in the present invention, done
Any modification, equivalent substitution and improvement etc., should be included within the scope of the present invention.
Claims (6)
1. the circle deposit method of stored value card, including:
In terminal, client software is installed, starts described client software, terminal presents circle and deposits
Login interface, on login interface, information deposited by prompting input circle, deposits the amount of money and terminal letter including circle
Breath, is sent to stored value card payment platform by space transference request；
Stored value card payment platform returns source of funds and selects interface, and end side can pay money by unrestricted choice
Jin Yuan, the source of funds of selection, fund account and password are submitted to stored value card and are paid flat by client
Platform, wherein, source of funds includes that bank card, Third-party payment account or card issuer have account by oneself；
Fund account and password are sent to source of funds by stored value card payment platform, by source of funds according to
Fund account and password authenticate, and in authentication by rear, deposit the amount of money according to circle and withhold, and
Return payment result；
Payment result is dealt into client by stored value card payment platform, and payment result is for withholing successfully；
The circle information of depositing is written on UIM card by client by machine card interface in terminal, will transaction
Result issues stored value card payment platform；
Stored value card payment platform receives transaction results, more new data.
The most according to claim 1, the circle deposit method of stored value card, client is by terminal
The circle information of depositing is written on UIM card by machine card interface, including with the process that gives an order:
UIM card is operated by the privately owned interface requests of client call；
The terminal content to being transmitted by privately owned interface and requirement carry out inter-process, and it is right to be construed to
The instruction of UIM card operation；
Terminal is called machine card interface and is transmitted UIM card operational order；
UIM card receives the operational order of machine card interface and carries out UIM card side interpretation process；
Terminal receives the result that UIM card returns；
The result that terminal inner processor card interface returns, and it is construed to the readable letter of client
Breath；
Terminal readjustment client process function also takes back client readable information；
The readable information taken back is processed by client.
The circle deposit method of stored value card the most according to claim 1 or claim 2, end message includes
Cell-phone number, needs enclose the UIM card number deposited or registration account number.
4. the circle deposit system of stored value card, including:
Client, is arranged in terminal, starts described client, presents circle and deposit login in terminal
Interface, on login interface, information deposited by prompting input circle, deposits the amount of money and end message including circle,
Space transference request is sent to stored value card payment platform；Described client can pay by unrestricted choice
Source of funds, submits to stored value card payment platform by the source of funds of selection, fund account and password,
Wherein, source of funds includes that bank card, Third-party payment account or card issuer have account by oneself；Receive electricity
The payment result that sub-wallet payment platform returns, when payment result is for withholing successful, passes through terminal
The circle information of depositing is written on UIM card by upper machine card interface, transaction results is issued stored value card and props up
Pay platform；
UIM card, writes circle alternately by machine card interface and client and deposits information；
Stored value card payment platform, returns source of funds to client and selects interface, by fund account and
Password is sent to source of funds, receives the payment result of source of funds return and is sent to client；Receive
The transaction results of client, more new data.
The circle deposit system of stored value card the most according to claim 4, machine card interface includes:
APDU_VerifyPin (): use the legitimacy of this interface check UIM card is right to ensure
The security control that on UIM card, resource accesses；
APDU_IsCardInserted (): pass through this interface on UIM card before resource to being accessing
No fall card make a decision；
APDU_OpenConnection (): client applies for logic by this interface to UIM card
Passage, for business transferring operational order；
APDU_CloseConnection (): close logical channel by this interface application, and discharge
Resource；
APDU_SendCommand (): send Business Processing order by this interface, it is achieved will
APDU order is sent to UIM card and specifies readjustment for processing return result.
6., according to the circle deposit system of stored value card described in claim 4 or 5, end message includes
Cell-phone number, needs enclose the UIM card number deposited or registration account number.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201110236720.4A CN102955999B (en) | 2011-08-18 | 2011-08-18 | The circle deposit method of stored value card and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110236720.4A CN102955999B (en) | 2011-08-18 | 2011-08-18 | The circle deposit method of stored value card and system |
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| Publication Number | Publication Date |
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| CN102955999A CN102955999A (en) | 2013-03-06 |
| CN102955999B true CN102955999B (en) | 2016-09-07 |
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| CN201110236720.4A Active CN102955999B (en) | 2011-08-18 | 2011-08-18 | The circle deposit method of stored value card and system |
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Families Citing this family (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103985040A (en) * | 2014-05-24 | 2014-08-13 | 中国科学院新疆理化技术研究所 | Mobile phone wallet recharging system and operation method thereof |
| CN103971233A (en) * | 2014-05-28 | 2014-08-06 | 东信和平科技股份有限公司 | Method and system for realizing Mifare air load credit based on client |
| CN107330683A (en) * | 2017-06-29 | 2017-11-07 | 广东舜联通信科技有限公司 | Bank based on UTK cards withholds method and system |
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| CN102955999A (en) | 2013-03-06 |
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